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Capital One Payroll- The Worst Payroll Company

Consistantly the systems are down. No one ever answers their help lines you have to leave messages. It has happened to us on two payroll days in the last month alone! It took them Friday Saturday Sunday and finally Monday we received a call! They don't work weekends or days after holidays or apparently the hours stated on their websites. Thanks to them our employees won't be able to Christmas shop today. No paychecks. No one available to help or answer questions either. It is not an inexpensive service - we will be looking for a different payroll company this week.
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#162952 Review #162952 is a subjective opinion of poster.

Capital One in Newark, New Jersey - Am being penalized for family members credit card on my credit report

Capital One put a family members info on my credit report. They listed me as an authorized user without my permission. Originally my son had asked if it would be okay for his mom to take and relay info regarding his account while he was at work. They then put me down as a user thus when payments were late it went on my credit report and I had my score drop 57 pts. I never signed anything either. It's too easy for these companies to ruin your life,where are my rights in this? This will take months to straighten out I'm sure.
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#162861 Review #162861 is a subjective opinion of poster.
Loss
$3

Capital One is horrible.

I got a letter from Citibank about going up on my interest and they were closing my MC account after it is paid out (I have perfect credit with them). I decided to get a Capital One card and close the MC account. I decided to transfer my MC balance to Capital One at a lower interest rate. After making that mistake and realizing after reading how horrible Capital One is to do business with, I decided I would not activate the card when I got it. Get this: They transferred the balance from my MC account BEFORE I even got the card or activated it PLUS they transferred a larger amount than was even owed on the MC account. I am one angry gal.
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#162775 Review #162775 is a subjective opinion of poster.
This time, it's my turn. Capital One will no longer lie, cheat or steal from me. I've reported them to the Better Business Bureau, I've contacted my state's House and Senate representatives. I will be sending letters to EVERY single address known to Capital One...
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14 comments
Anonymous
#169986

I use Capital One for an insurance policy that I have on my daughter...it's a fixed monthly charge and I always pay it off...but let me tell you what these *** did to me 2 years ago. First of all, I've been with Capital One for 15 year, and NEVER made a late payment. NEVER. In fact, I usually paid more than the minimum due. 2 years ago, out of the blue, my 6.99% interst rate skyrocketed to 25.99%. That's a 400% increase! I called them and asked them what was up; they told me they had sent me a notice with the offer of my "opting out." What the *** does "opting out" mean? Cancel the *** card?

I kept the card, but I will never, ever, EVER run a balance. In fact, I really don't need them at all, since I have 2 other cards with better rates. But I delight in making them do the paperwork and log my payment every month; knowing that they aren't making a dime on my balance...because it's very small (less than $40 a month) and because I pay if off completely.

All these credit card companies are pure ***. I'd love it if the American people would band together and boycott all of them; I'd happily cut up all my credit cards; but only if EVERYONE did it, so it really HURT them.

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#162674 Review #162674 is a subjective opinion of poster.

Capital One in Westlake Village, California - Shady practices

Please see this review on Yelp (search for Capital One in McLean, VA) and contribute there! Capital One uses some shady tactics. I've noticed an uptick in complaints on consumer advocacy sites. I don't know the law but, at best, they're skirting that line. Even if what they're doing is not illegal, it is at least immoral and annoying to customers. While I will look into class actions for patterns that emerge here, we still have a recourse as customers to simply walk with our feet and to get as many people as possible not to become a customer. Remember that "No Hassle" card with "fixed" rates they teased in front of you when times were good? Well, it should've been branded the "Capital One No Hassle (when it's convenient for us) and Full Hassle (when we need to) Card." Apparently, they just have to send a tri-folded piece of cheap paper self-mailer (all the more easy to ignore) that says, "We're upping your rate and if you don't like it, decline it and you can pay off your balance under your old terms." What they bank on is that it gets lost in the shuffle and you neglect to decline the new terms. Oh yeah - you have to do it in WRITING. With a STAMP and the POST OFFICE. Why? That's to make it as hard as possible. That's the same reason most rebates have to be mailed in. Legal? Probably. Should we ever trust a "fixed" rate again? Never. They can, at will, send a letter and change the terms of the agreement. Of course people don't think of that when they sign up for a new credit card. Remember those 0% fixed for the life of the balance teasers? For one of my accounts, I caught the "we're changing your interest rate" letter and sent one back saying, "No thanks - I'm just going to pay off my balance under the original terms." Guess what they do? They double, triple the minimum payment. Pretty slick, right? Again, probably legal, but definitely immoral. 0% interest, but they can make you pay it back really fast. Back to the "we're changing your interest rate" letter that I didn't catch. Well, I didn't catch it because it was an account I never used. But since the credit crunch started, I dug it up again because it was a "low, fixed" rate and started using it. For months, my empty statements still said 6.9% on it. Once I started using it, my rate hit 16%. And I only know that *after* I get my bill, *after* I've made the decision to use the card under the assumption that I'm paying just 6.9%. Again, legal? Maybe. Immoral, yes. Yep, there's more. I was late by one day on several consecutive payments. Why? Not because I'm irresponsible - I put the due date in my Google Calendar and set a reminder that texts and emails me. What they do is they change the due date randomly each month in hopes that you miss a few and they can rack up the late fees. Nope, it's not "every 9th of the month but if it's a weekend, it's Monday or Friday adjacent to it." It's not every 4 weeks. It's not anything like that. They even admitted as much when I called to ask what the logic was. So, instead of the very easy thing to program, "Albie L has to pay every 9th of the month," they go out of their way to program into the system, "Albie L has to pay every (9+random number)th of the month" JUST to ***. I understand that times are tough. And maybe Capital One is just fighting for survival. Fine. But they made the choice to screw their customers and I hope that we've got long enough memories to stay away when times get good again. i.e., don't become a Capital One customer once the dust clears and they start offering low rates, etc. You WILL be screwed if and when the *** hits the fan. Stick with a small, local credit union. Even though my interest rate at Affinity Federal Credit Union was 9.9% during good times, it's *still* 9.9% today. No teasing. No changing rates. No changing due dates. Just good, honest, business.
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2 comments
Anonymous
#416488

I was screwed on one of their 0% balance transfers. Apparently, their balance transfers that state "0% until May 2011", for example, means that the 0% ends on the day of your statement closing date, and NOT the end of the month.

So basically, if your statement date ends on the 3rd of the month where your 0% ends, the interest will start accruing on the 4th of that month. I called them, and the shady rep told me it was in the fine print.

I told him to send it to me, and there was no wording at all stating what he said. Just another shady way for Capital One to nickel and dime the working man.

Anonymous
#103772

I also have had the problem of CRAPital One randomly changing my billing date. When I first got my account, the bill was on the 15th of every month, as I had requested originally and agreed to with the contract.

Later, without informing me, the due date changed to the 12th. Today I was charged a late penalty because they changed the date to the 11th this month. In reviewing statements, OVER THE LAST YEAR, MY PAYMENT DATE HAS BEEN DIFFERENT NEARLY EVERY MONTH :( :?

How does Capital One plan to keep customers? I got a Capital Once Platinum MasterCard 2 years ago in hopes of building credit, and did, but now their policies are killing the 716 credit score I had built up.

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Review
#162498 Review #162498 is a subjective opinion of poster.

Capital One in Newport News, Virginia - Beware of finance charges acrued after cc is paid off!

We have been Capital One customers for a while now and have a $15,000+ credit limit. Last month we paid off ALL our credit cards including this one. I called to find out what the payoff balance was and they told me the same amount as in the statement. I immediately submitted payment and considered it one Credit Card paid off!. Today I was opening mail and filing as necessary when I came across their last statement. I opened it knowing it was paid off and to my surprise, there was a "finance charge of $106.73!! I immediately called customer service since the bill was due today and this is pretty much what it boiled down to: I nicely asked them to waive that charge and he insisted he can only wave $10.00. I tried negotiating half way and once again he offered the $10.00. By now I told him how disappointed I was and if the issue was not resolved I would gladly pay the fee and close the account to which he responded " your balance is... and I can close the acct. after the payment clears!!" Wow, I am not to react when overly upset (you would have never guessed by the tone of my voice) but I truly was upset. I told him I would call back. Just a little while ago, I called back and by now, I was also being assessed a late fee of "15.00!! Still keeping my cool, I spoke to acct. manager who also offered to close the account since they can't negotiate on finance charges!!.. So, I am paid off and closed off with Capital One!! WARNING: if you are about to pay off credit card, when you call for your PAY OFF BALANCE, ask the name and of the person giving you info and write it down in a secure place!!.. Capital One has NO record of me calling and that is the reason they have for not waving the charge!! GOODBYE CAPITAL ONE!! One less headache in my life!!
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3 comments
Anonymous
#523035

:cry i am losing my money.why capital bank

Anonymous
#118648

well i had a capital one card all most 10 year's ago with a 1000 credit limit it went into collections now all most 10 year's later i received a summons from a law firm saying they want 3300.00 and they will not lower it i had 2 credit card's with them in very good standing's as of today i paid them off and canceled them both i have had spin surgery as of late 2009 and the doc are unsure if i will ever return to work i told the law office this and all they said is you owe this bill you can get a lawyer pay the 3300 or go to court and may have to pay court fee's and lawyer fee's i am on worker's comp witch is only 60% of what i made they didn't care if you have a cap one credit card i would advice one thing GET RIDE OF THEM they will *** to the wall in any way that they can

Anonymous
#100845

Oh my gosh! I never knew how bad Capital One was at screwing over their own customers.

My husband had a credit card when he was 18 years old. Now, three years later, he received a collections letter. I was furious because he said he paid that off three years ago. I asked him about it and he said that he did pay it off.

Well he just called them and what happened was that there is a $15 cancellation fee...well guess what now they want $900! How can they justify that. He was not contacted at all. I don't know what happened with the bill that is supposedly out there somewhere.

Three years later they contact him and screw up our good credit!!! I'm furious!

They said they can do nothing for us! Any advice?

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#162247 Review #162247 is a subjective opinion of poster.

Capital One trial subscriptions

Several years ago I signed up for a Capital One credit card. They actually sent me two...one with several trial subscriptions with it. When it came time to cancel all the trials (I should have done it right away!) I was in the hospital. I had a low credit limit, and the subscriptions that were charged to my account put me over that limit. So I was left with a maxed out credit card and over the limit fees. I called and wrote letters and they refused to reverse the charges. When I finally was able to pay the card off, I sent the check directly to their CEO with a nasty letter.
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#162132 Review #162132 is a subjective opinion of poster.

Capital One in Syracuse, New York - Consumer Opinion

To all complainants: We are all aware of the deviant business practices of Capital One; CapitalOne even refuses to identify their home offices and contact numbers, further shielding themselves from complaints and scrutiny. Warning: Under no circumstances provide your full ssn to anyone in India for charge card/auto loan inquiries! When inquiring, you'll be told your loan number doesn't come up; they are stealing id's. Only provide last four digits st most. I urge everyone to file their complaint with us Atty General at U.S. Department of Justice, 950 Pennsylvania Avenue, nw, Washington, DC 20530. http://www.justice.gov/ Enough complaints will initiate a federal investigation. Also check your state's banking laws, they're strict!
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1 comment
Anonymous
#94995

Haha geeze you must work for the i have the same program and they didnt cover me unless i was hospitalized or completely out of work apparently having you hrs cut (40hr a wk to 24hrs ever 2wks) so much that you cant feed you child isnt good enough for help

Review
#161618 Review #161618 is a subjective opinion of poster.
Loss
$7500

Capital One in Spirit Lake, Iowa - Captial one refused to close my account

I called on 11/9/09 to close my existing account with Capital One credit card and they refused to close it until it has a Zero balance. I understand that the balance would remain until paid off, I just no longer want to do business with them. I want it to be reported to the credit Bureaus that it is was an account closed at consumer's request on 11/9/09. I do intend to have it paid off by the end of the year. I am upset that they refuse to honor my request. They said that it would close AFTER the statement is printed with a ZERO balance. The card will be paid off before the end of the next cycle and I didn't want to wait to close it. It makes me angry that they refuse to close it when I requested to have it closed.
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2 comments
Anonymous
#90338

contact the BBB I have always found them very helpful and companies are ,more likely to work with them than you

Anonymous
#89698

It gets worse.

I paid off and cancelled a BofA credit card months ago. They are still processing auto-charges against the card even though I terminated the financing relationship. Yes, they refuse to stop re-opening the card even though I told them they are not authorized to do so.

Here's the 'worse' part...

As long as my credit card information is in Bank of America's system (at least 7 years...'maybe longer') they will automatically reinstate an auto pay arrangement, even if requested to do so BY A COMPANY WHO WAS FORMERLY AUTHORIZED TO CHARGE THE ACCOUNT. BofA will not contact you to get your approval. Rather, they will just re-open the account and pay the charges. You only have 60 days to dispute them, regardless of if you knew about the situation or not.

I have a friend who's having a similar problem with HNBC. She and her husband were being defrauded under an auto-pay arrangement. They were told by the bank that they couldn't de-authorize the vendor. If the company that was defrauding them re-submitted charges they would be paid.

Think there's a problem here?

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#161592 Review #161592 is a subjective opinion of poster.

Capital One in Washington, District Of Columbia - Cap One Payment Protection

I was laid off 8 months out of 2009 and had it not been for payment protection I would have drowned. Say what you will about them, they have been GREAT to me and my credit score. They paid promtly, left me alone other than the occasional "are you working yet" form letter. I didn't even know I had it until a Cap One Collector called me to advise at which time they (Payment Protection) not only paid the minimum but also the arrears and fees the month past and brought my account current. This service was a savior to me when I needed it most and I would recommend (especially in the day and age) everyone get it when opening any unsecured LOC. Don - Columbia, MD.
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#161512 Review #161512 is a subjective opinion of poster.