CapOne will take your money...and not give it back

I had a long standing money market account with Capital One. I called to order checks. My mail box was broken into and I called to cancell the checks. I was informed since I had no sig card, no checks could ever have been sent and there was no record of checks being printed for my account. A few weeks later....checks were cashed. I called, we froze the account. I signed and returned and affidavate to get my money back...it was outsite their "ten day period" and now they will not give me my money for an error THEY made and could have prevented. HOURS were wasted on the phone. horrible customer service. bank elsewhere
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ID
#136049 Review #136049 is a subjective opinion of poster.
Location
Washington, District Of Columbia
New Reviewer

Capital one is suing for a debt 7 years old

I took out a secured account with Capital One 14 years ago and the account was closed 7 years ago and now they are suing me for the balance they kept my 3,500.00 deposit and is now suing for 12,000 almost 10,000.00 of this is fees. I tried to work with them by sending payments but they still added late fees no matter when the payment arrived. One more I paid 1,000. in monthly payments but instead of deducing my deposits and 1,180 dollars from the balance they added it to the balance. I tired telling them this error several months and they refused to do anything about it, they simply send letters saying I owed them 3,000 and something dollars. I tried calling, writing and everything under the sun them to apply the amount to the balance due which would have cleared the entire debt but they refused and here it is almost 8 years after they closed the account and kept all deposits they are suing me. I know this is illegal but what do you do about it. Even after they closed the account they still continued to add late fees to it.
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3 comments
#38796

That's crazy, I'm from Florida and I was told that Creditors only had 4 years to sue a person for outstanding debt.

#36288

I have not paid them since Feb 2001, that what makes the account 7 years old. They closed it in March 2001 and they haven't gotten a payment from me since they closed it. My deposit covered the entire balance due, that is why I refuse to continue to pay them.

#35778

I had a similar dealing with Capital One last year. I closed the account and after I closed the account they demanded full payment of my balance. They did not want to work anything out.

Unfortanately you made a mistake by making any payments, at least in Texas that's a mistake. Creditors only have 7 years to collect debt, after which they cannot collect, harrass, or put it on your credit report. BUT, since you made payments that starts the 7 year cycle over again.

If you really owe the debt from that long ago then ask them to PROVE that they tried to contact you regarding it. The only way they can do that is if they sent you a certified letter. If they cannot prove they had contacted you that goes a long way to helping with fees, although you will still owe the original amount.

My advice is to get a lawyer who specializes in this sort of thing. If they can help you keep this off of your credit report it will be worth it in the future and worth a couple of thousand for their fee!

I would avoid any debt counseling or consolidating places, not that they are inherently bad, but each person pulling your credit for things like a car loan or home mortgage will view that differentaly and usually not favorably to you.

Also, pull your credit report and see if they have put it on there yet. If not, there is hope. Continue to work with them and work out a settlement and payment plan in the full amount of your original balance (you can negotiate fees and charges but if you dispute and settle a lesser amount of the original balance that could haunt you later on your credit report). If so, negotiate to keep it off your credit report and GET IT IN WRITING. Yes, they will send you a letter with your verbal agreement, but you have to ask.

Good Luck.

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ID
#135998 Review #135998 is a subjective opinion of poster.
Location
Florissant, Missouri
Loss
$3
New Reviewer

How can a credit card company report a card that didn't exist!?

So I am trying to purchase my first home and my credit report was pulled. Capital One came up on my credit and I have never had an account with them. When I called they looked up my ssn and names and phone numbers and they couldn't find anything! When I asked how this was possible they said when they report to the credit bureau they just report your first initial and last name so whoever has a similar name or ssn could be the one who gets assigned the credi. WHAT? I am so confused, have any thoughts?
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ID
#134718 Review #134718 is a subjective opinion of poster.
Location
Cleveland, Ohio
Loss
$101
New Reviewer

Can Capitol One garnish a closed Checking account

In 2003 I started having Medical Issues.I called Capitol One and closed out my credit card and made a payment which left me a balance of approx. 250.00 I am now drawing a small SSI check.I did not ask to get sick, and I surely didnt know they could take a 245.00 balance and turn it into 2200.00 they first got a judgement on me for 1600.00,a few wks ago they tried to garnish a checking account that was closed and now I owe them 2200.00. Is there anything I can do? Is there anything i can do? Please Help Me.
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1 comment
#128804

get this: my home branch is good..they do not bother me...

i made the mistake of going into the 176 broadway branch .. i opened a new checking account because the old had totals coming in like crazy. when you do a one time payment these companies still leak in.

anyway...the dingbat manager says to me you have a balance of 1900 i said are u sure? that does no sound right-i fill out the affadavit for the transfer into the new account...

so gee what's next..you write a couple of bills..balance is now 1623..another day passes she without my authorization transfers the 1623 into the old account...

sammy(we'll call her sammy) said she told me she told me nothing...she opened the new account, she didn't shut the old account, the bad totals creeped in..she took the money from the new account to cover the old account....

5 days of this *** and she still never owned up to it...she's nasty, rude, and talks to you in a downward way....i wrote a letter to the regional manager saying i want her hands off the account...

176 broadway branch manager does not pay attention, she is always in a rush and all she does is blame you.

:eek

ID
#134444 Review #134444 is a subjective opinion of poster.
Location
Macon, Georgia
Loss
$2200

I was gonna post a complaint, but I realized

This is sad but true: These credit card money changers, such as Capital One and the others are no better. They are all the same. They just have different colored credit/debit cards and different signs and checks. There is no such thing as a "neighborly bank", these corporations are in the business for the big buck and to intimidate as many people as possible by showing you, the consumer, just how powerful they really are in fact. Scary isn't it.? I dont know what all of you are going to do, but for me I will put my trust in the Lord and let him take care of Satan his way.
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3 comments
#36289

I understand what you are saying and agree with you. But if we consumers don't complaint loud and clear how will anyone know we have a problem with the service we are receiving?

#34093

I owed 11k to Capital One on my car loan when I filed bk, now my credit report shows balance 0 and the credit statement is: 'legally paid in full for less than full balance' does anybody knows what that means? They have not tried to get the car or communicate with me so far.

#30908

While you put your trust and faith in a higher power, consider contacting your state reps, as I have.

Currently there is a fight to nullify Binding Mandatory Arbitration as it is used by banks and credit cards, and is becoming an American business standard. Why? It defeats the U.S. constitution, and blocks victims from legal recourse, by using a justice system paid for by the credit card companies or businesses they represent.

As is, the credit card companies you speak of are barely regulated, in part because they're above a constitutional based justice system. I believe in prayer, but also that faith without works is dead. These are evil greedy people stealing away our country, and our constitution.

We have to do something to show our faith. Write your state reps and if and when we get a real president that's for the people, write them...endlessly.

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ID
#133138 Review #133138 is a subjective opinion of poster.
Location
Dallas, Texas
New Reviewer

Capital One adds on finance charge even if paid on time

Capital One has been adding a finance charge to my billing even if I have paid amount in full, on time. I complained, they returned amount. Next billing, same finance charge tacked on again. I have also asked them to remove a charge for item I did not sign up for. I have stopped using this credit card. I did not expect any statement for last month. They added the finance charge, then the item I asked to be removed, then added $15 late payment. When I emailed them, they told me to go to the merchant. But my dispute is with them, not with any merchant. I am frustrated!!!!
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1 comment
#30735

This is the old "nickel and dime" technique that many company's in today's times do on a daily basis. The companies figure that if they post a few cents or more on a bill that many people will not notice it and pay the balance due.

In turn if one hundred thousand people pay a phony charge of $1.00 that is $100,000.00 bucks they just made for FREE. Many companies do this all I can say is WATCH your BILL

ID
#133008 Review #133008 is a subjective opinion of poster.
Location
Atlanta, Georgia
New Reviewer

Beware of Capital One!

I obtained a Capital One VISA card because they claim not to charge any fee when their credit cards are used outside of the US, and I frequently travel internationally. I used this VISA card occasionally. About three weeks ago I noticed by chance that the mailing address and telephone number on my account had been changed. Since I did not request the change, I telephoned Capital One to reverse the change and to find out who had requested the change. Capital One’s CSR told me that the change was requested by the US Post Office. I could not fathom why the Post Office would or was able to change my credit card address. Nevertheless, I asked the address on my account be changed back to the original correct address. The CSR assured me that the address has been corrected. Two days later, when I tried to use the VISA card, I found out that the address has not been corrected. So I telephoned Capital One again. This whole process repeated for five times before the address on my account was corrected to the original address. I thought the problem was finally resolved. How wrong I was! A week later, the VISA card was rejected again when I tried to make a purchase. In addition, my online access to the account was frozen as well. I can’t view any information online. I can’t even make a payment to Capital One to pay off my current balance online. I telephoned Capital One again several times and was told that their Fraud Department was “concerned” over “certain activities” on my account and therefore, has placed an “identity restriction” on my account. I asked them what were these suspicious activities. The CSR said she could not tell me unless I could prove to them my identity and get the restriction lifted. To get this restriction lifted, I must fax them my driver’s license, my social security card, and my most-recent bank statement. I told them the request sounded very suspicious and I would never fax these documents over. Instead, I asked them to close the account and cancelled the VISA card. The CSR said the account couldn’t be closed because there was still a balance. I said I would pay off the balance immediately online, as I have always done in the past. The CSR said she could not let me pay off the balance online until I fax them those documents to get the restriction lifted. The CSR suggested that I could pay off the balance using their automatic phone system. However, the system will charge a $10 fee, which will be charged to my VISA account. So that defeats the whole purpose paying off the current balance. The only other alternative is to send Capital One a check via regular mail. Overall, I spoke to about 20 people from Capital One during a two-week period, ranging from regular customer service representatives to supervisors to Fraud Department personnel. Most people don’t have a clue how to answer any of my questions. At least 75% of the people have such heavy accent that I could not understand what they were saying. Toward the second week I grew more and more suspicious of Capital One, and so I would call multiple times but ask for the same information. Not to my surprise, each time I got a different answer. For example, each time I asked for the fax number where I’m supposed to fax over my driver’s license, social security card, and bank statement, I get a different fax number. Similarly, each time I asked for the address to send in my payment, I get a different address, which is also different from the address given at Capital One’s website. At the moment, I very much suspect it is Capital One who is trying to get my personal and financial information all this time.
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ID
#132992 Review #132992 is a subjective opinion of poster.
Location
Washington, District Of Columbia

Be Careful With CapOne Credit

I would just want to state that everyone should be careful with CapOne and their credit guidelines. The biggest complaint for me was with their Overlimit and Past Due Fees which I felt were really ridiculous. They were very quick to add on Overlimit and Past due fees but not so quick to offer solutions when there was a reall issue. I explained initially that a due date on the 1st would not be possible as I never received income until the 3rd of each month. I had a limit of $500 which was quickly used by the Overlimit and Past due charges. When I asked customer service for assistance they offered none. I didn't know I could change the payment date until another customer advised me. At the juncture the bill had reached an amount that I couldn't meet each month to bring it under limit. That meant that each month I was paying $40 overlimit and never being able to under the limit because the additional fee each month put the payment out of reach. It was just crazy. I finally got tired of arguing and filed Bankruptcy. Do you think that was what they wanted....
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3 comments
#469733

I have been a card holder for TWO years and been lied to tons of times. This this person who wrote this HAS NOT told you about the card.

Almost EVERY payment I've made has been held for upto 6 days even when the money is taken from my acct. Don't think you will get a unsecured card quickly only way is if your over all score goes up and had NOTHING to do with your history of your secured card. I ve also have them report to the cr compaines late payments because of their 6 day hold of my payments. One more thing almost EVERY agent has a diff story and most lie lol Im going to look into another card this week.

Can't wait to see how long it takes to get my 1,000 back lol DO NOT GET THIS CARD UNLESS YOU DONT MIND A COMPANY PLAYING HEAD GAMES.

Best of luck :> I typed this on my phone hope there is not too many typo's. :( :( :( :( :( :(

#38603

Capital one tried to screw me by not responding to a disputed charge. They send correspondence and even statements to incorrect addresses and kept adding late fees and interest.

I filed a suit in small claims court and won a judgement against them.

Now I'm sending copies to the credit bureaus to have their negative info removed. Don't wait, take them to court.

#36290

You wrote:

"I had a limit of $500 which was quickly used by the Overlimit and Past due charges."

Yes, they pile on the fees even if they have their money in their account they set aside for you.. It wouldn't have mattered had you paid them on the first or the third they were still going to keep adding fees until your entire credit limit was gone. They did this to me even when I sent them 3 times the amount needed to cover the monthly payment so it won't matter how much you pay them they are a very greedy company.

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ID
#132967 Review #132967 is a subjective opinion of poster.
Location
Cleveland, Ohio
New Reviewer

Capitol one

GOT CHECKS FROM CAPITOL ONE, USED ONE AS A GIFT TO A FRIEND. HER BANK HELD IT FOR 3 DAYS, NEXT THING I KNOW I RECEIVE A LETTER AND THE COPY OF THE CHECK THAT SAID REFER TO MAKER. CALLED CAPITOL, EXPLAINED WHAT I HAD DONE, ALL THEY SAID IT COULD HAVE BEEN THE BANK PROCESSING TWICE. THIS IS WHEN MY NIGHTMARE BEGIN WITH THEM. 7 DIFFERENT TIMES I CALLED AND EACH TIME I SPOKE TO ALEAST 3 PEOPLE EXPLAING THE STORY OVER AND OVER. DID A 3 WAY WITH MY FRIENDS BANK TWICE, STILL NO ANSWER OF WHAT HAD HAPPEN. MY FRIENDS ACCOUNT GOT FROZEN DUE TO THIS ISSUE. I NEVER WANT TO HEAR FROM THEM AGAIN.
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2 comments
#40755

:( :( Capitol One embarassed the hjeck out of me. I had an approved loan for up to $13M on a used vehicle, not specified what to buy. I bought one from a dealer, but they came back saying the car didn't value that much on the market and stopped the transaction.

#30643

is this investment worth it

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ID
#132951 Review #132951 is a subjective opinion of poster.
Location
Worcester, Massachusetts
Loss
$900
New Reviewer

Capitol one

i made a payment and they want to hold it for 14 days? but why? my son is 300 miles from me and he needs cash fast but capitol one wants too hold my money for 14 days, what kind of company i'm i dealing with?i am so pissed this makes ni sense to me where is your money when you really need it and your told its a company rule when they want to have you heard anything so ***?pissed,pissed, ***, ***. i want my money applied to my account now not in 14 days why pay our bills when we get no service?
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2 comments
#120249

Yes, This mother *** Capital one bank did the same thing to me, I transfer money $1000 from my checking account to the credit card, the money is already transferred dirctly from my checking account to the credit card, they have no reason at all to hold it for seven days, while I need the credit cards to pay for the hotel, dinner. It was annoying when my credit card is turned down by the resturant, hotel.

I closed that *** credit card immediately. First, they only give out $1000 credit line, high interest rate, rate keep going up from the beginning of 9.9% for no reason at all.

Everytime you complain, your inter rate went up!!!! MOTHER ***!!!!

#30372

Same thing is happening to me..I paid off my credit card in full so i could put all of my college books on it. I went to go buy my books and it declined...extremely embarrassing and fusterating because I had just paid off my bill a week ago...now its been 11 days and available credit has not been reposted..dont know what to do...late assignments and missed tests...I just dont understand and they arent answering my emails and keep hanging up on me when i call...ughghg :(

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ID
#132755 Review #132755 is a subjective opinion of poster.
Location
Greenville, South Carolina

Reporting complaints

This website is great but it's also important for everyone to report these cases to their local political officials including their state's attorney general(especially near election time.) Keeping accounts open after someone request it closed could be a signed of false record keeping. Attempting to converse with customer service but being transferred to sales could be a type of bait and switch. To paraphrase a saying, evil flourishes when good people do nothing. Please help stop financial institution from taking advantage of ours. With enough complaints Capital One and others will be investigated for fraudalent behavior. Please act now.
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ID
#132653 Review #132653 is a subjective opinion of poster.
Location
Rochester, New York

Captiol one rewards ***

I finally got enough rewards to cash in for a trip to Hawaii for my wife and I. Made the reservation in March with flights on Hawaiin air lines. Went to Hawaiin air lines web site today (August 22nd) and there was nothing for my reservation. After calling Capitol One and Hawaiin I found out that I do have a reservation but cannot pick seats like you normally would. You cannot get a seat until you arrive at the airport and check in, then you have to pick from what is left. This means that on a six hour flight my wife and most likely will not be allowed to sit together. I could cashed in my rewards (100,000 points = $1,000) made my own reservations ($848) picked my seats and pocketed the $152 difference. I thought this time I would let Capitol one take care of it. Never again!
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ID
#132430 Review #132430 is a subjective opinion of poster.
Location
Las Vegas, Nevada

Capital One Credit - Deducting money from me without authorization

I have an account with Capital One Credit Card. That I told them to close out 7 months ago. Well, they didn't. And some sort of charge accrued on the account, which I was unaware of. They have made no attempt to contact me via mail or telephone. Now they have been deducting money from my checking account without authorization from myself. In LARGE amouts of $200+ at random times. How do they do it?! I have no clue at all!!! Because I know they don't have a court order to take my money. They showed it in my checking account as an authorized payment by phone. Hmmm. Fishy???
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ID
#132146 Review #132146 is a subjective opinion of poster.
Location
Cleveland, Ohio
New Reviewer

Crapital One: Why is there no states attorneys involved???

If anyone is starting a class action against *** 1 auto scam artists I'd love to join. Am 1 month behind on my car payments. They call before 7 am and after 10 pm. They call at my work, a call center, even when I tell them I can't get calls there. I'm now worried after reading the other posts about extra fees, and never receiving the title after it's finally paid off. I really need to wonder why no state's attorney or consumer protection agency helps people get out of this Cap 1 ***.
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1 comment
#58667

I have the MagicJack phone on my computer, the phone number assigned to me has the exchange of another state and they found that number! I don't even know the number to it!!

LOL Got home one day and there was a message on it, the same day I made a payment arrangement with them(after they contacted my work phone, my cell phone and apparently my MagicJack phone).

Oh, and this was less than a week after I had made a $500 payment!

Greedy is right....

ID
#131942 Review #131942 is a subjective opinion of poster.
Location
Orlando, Florida
Loss
$600

Fraudulent advetisement to lure new consumers.

Avoid being duped into applying for an unbelievable offer that was too good to be true. Capital One credit card offered: "A 0% special transfer annual percentage rate that would apply for the life of any balances transferred at the time of application." Instead, 4 mos later, I am being charged a near 6% fee on a $5000 transfer and has caused my monthly payments to go up. The stress of their Financial mangers telling me that "I must deal with it", tells me to take action, if any thing to help others from being pulled in over fraudulent advertisement.
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ID
#131211 Review #131211 is a subjective opinion of poster.
Location
Reston, Virginia
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