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I paid off my auto loan nearly a year ago. Cap One has not released the lien on my title, altho I have called them numerous times. I have been assured my loan is paid in full and title will be sent in 30 days over & over. A year later what can I do? I can't...
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8 comments
Anonymous
#1634287

Same problem on two different cars. This is ***

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Review
#137952 Review #137952 is a subjective opinion of poster.
I have been a Capital One Credit card holder for many years have never defaulted until now where I have fell into a hardship. I have 2 capital one credit cards and one Capital One car loan. I have fallen 1 month behind on my card payments with the situation I am in...
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2 comments
Anonymous
#325223

I know this will probably get deleted, but here's an idea... PAY YOUR BILLS.

I have no doubt that you weren't behind forever, but if you fall into a hardship, don't use borrowed money to pay your bills. If you can't pay for it, you don't put it on a credit card that you can't pay either...

your asking for trouble. Moral of the story: Spend what you can afford, and don't use your credit card as a crutch

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#137540 Review #137540 is a subjective opinion of poster.

CAPITAL ONE--NOT A REAL BANL

THEY CAN'T GIVE INDIVIDUALS THE ABILITY TO WIRE FUNDS..ONLY COMPANIES. DEPOSITS WITH CHECKS OVER 5000.00 ARE HELD FOR 7 BUSINESS DAYS... THIS IS ONLY MY FINDINGS IN 3 BUSINESS DAYS... THE EDUCATION LEVEL OF THE EMPLOYEES WAS EMBARRASING.. THE MANAGEMENT WAS NO MORE EDUCATED THAN THE TELLERS AND OFFICERS THEY DIDN'T CALL BACK ON MORE THAN 1 OCCASION. AND WHEN I CONFRONTED THEM WITH THE SITUATION THAT ALL HAD AN ATTITUDE. THERE HAS TO BE A BETTER BANK OUT THERE FOR PEOPLE WHO NEED SERVICES. WITH TODAY'S FAILING BANKS I WOULD AND HAVE STAYED AWAY FROM THIS PIGGY BANK STAY AWAY FROM THE BANK
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4 comments
Anonymous
#41324

haha Props to the COF team, not to burst your bubble here but COF is 1 of 6 stocks on the recommended buy list right now because of how WELL they are doing. Go put all your money is WaMu or Wachovia see how far that gets you.

Anonymous
#41079

to all people who have a banking account: when you have an issue with your account keep in mind that the employees that are trying to help you are doing there utmost best to try to get it resolved in a timely manner. The more you yell and scream and act like an utter FOOL does not make me want to help you any more.

Grow up and act mature I swear If you do that life will be alot better for you.

When a financial institution puts a hold on your check they are trying to protect YOU and the bank. So SIMMA DOWN !

Anonymous
#41075

Oh yeah and hey *** you think that the education level is bad with us well at least I can spell BANK real simple

Anonymous
#41072

Seriously all banks opperate the same, I've worked for many so this is from experience, yes with anything you have to read the fine print not just in banking and just so you know all financial institutions have separate divisions meaning you go into the bank and that is just the bank and they service banking needs not credit card and not auto finance and its that way every bank. Holds on checks well there is alot of fraud people, work one day dealing with it and maybe you would understand.

Step out of your box and realize that there is more behind the policies and laws made for banks its not because we hate people and want to take their money because trust me we as the tellers, managers, bankers dont get any of it and I have no reason to make the bank money when I'm not getting it. Duh!

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Review
#137525 Review #137525 is a subjective opinion of poster.

Don't use any Capital One credit card!

The worst credit card I ever experienced. I applied for their credit card with 1 year 0 apr promotion which would expire in November. But they began to charge finance fees in August. I called them in August and they credited back the finance charge and their manager admitted that 0 apr should expire in November. However, I noticed they still charge finance fees for September statement. I called them again, but they told me that 0 apr had expired in August and the last credit back was only courtesy continuation of the promotion. They could do nothing for me but apologized. I did not keep the offer letter, and they don't admit what they said. I was really pissed off, paid off the debt and closed the account immediately. Never Never apply for capital one credit card no matter how good the promotion looks. They cheat on customers and try to stole money from you. The customer service is very terrible.
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4 comments
Anonymous
#52073

I love my capital one card

powerfulwoman
#45153

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry!

For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number.

Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years.

Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined.

I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-***" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities.

What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card.

Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what?

Card is still declined and the phone goes dead! Unbelievable!

Anonymous
#38423

Love How they Say " NO HASSLE CARD" They forgot to leave the word "No" off of thier logo. The worst credit card company I have dealt with.

I also had been a customer with them for a long time. They dont care....

Anonymous
#38265

:? I too can tell you never to do business with Capital One.

I had my identity stolen, reported it to the police, had affadavits to support the fact that I had not taken out a card with them. They still were the only company that did not have any sense about this. Their fraud dept. didn't give a ***.

Don't do business with them. They stink@!

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Review
#137427 Review #137427 is a subjective opinion of poster.
This company needs to go out of business!! We hit a deer with or vehicle that is financed through them . Our insurance company made the check out to them and us. Their policy of course. They will not endorse the check and send it back so we can fix it anywhere we want....
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5 comments
Anonymous
#58666

Wow after reading your story, I am nervous for my own vehicle, and scared that what may happen. I have fallen behind in my payments, worked out payment arrangements with them but had jokingly said to friends "I hope I don't get caught up in payments and have them take it anyway!" Now I'm scared that may actually happen! Last time I scheduled a payment with them they claimed I had broken 4 "commitments" already, I thought to myself that sounded like alot but didn't question it....now I think I should.

Sorry to hear about your story but thank you for sharing.

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#137423 Review #137423 is a subjective opinion of poster.
Loss
$2200

Capital One Stole Money from Me

I opened an account over four years ago with their predessor Hibernia Bank which came with a free one year safe deposit box. After one year Hibernia called me to pay them for the box I didnt need it so I went in to close the box. Today I was charged for those three years and was told I couldn't prove the box was closed since I don't remember who helped me and am now short $135. The bank must be on hard times to do something like this. No one even works there from 3 years ago!!!
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#137041 Review #137041 is a subjective opinion of poster.
Loss
$135
capitol one is the absolute worst financial insitution out ther they try to devise ways to make you fail, I have been paying a car loan for five years without fail on time they then at the end of the loan lifr coun days you did not pay exactly on the due date (due date...
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3 comments
Anonymous
#41331

it's called simple interest loan. look it up for details but those 1 or 2 days where costing you a few bucks every time in additional interest.

be very lucky it's only 87.00 I see them day after day where its 4 thousand, 5 thousand even as high as 6 or 7 thousand as a final payment. people think by paying every month 30 or 60 days late is ok but that 600 payment end up going to late interest only every month.

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Review
#136886 Review #136886 is a subjective opinion of poster.

Capital One in Long Beach, California - Capitalone is uncaring

I have a personal loan with Capitalone. The payments come out of my checking each month, so they know they are going to get paid. There was an accident in front of my house and two of the family cars were totaled which made finances tight. I ask if they would defer a payment until the end of the loan. Do you think they would, of course not. They didn't even look at my account to see that I had been paying double on everything for over a year. They are uncaring individuals. I am very unhappy with them.
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#136822 Review #136822 is a subjective opinion of poster.
I recently received a "special offer" for 0% APR for 12 months from Capital One. The letter stated that if I used any of the three attached checks by the deadline, I would receive this low interest rate for a year. So I used two checks (both of which were...
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#136800 Review #136800 is a subjective opinion of poster.

Capital One Must be hurting too.

I have had numerous credit card accounts with Capital ONe. (personal , 2 businesses etc) AND Have been a customer for years, paid bills on time, have never faltered paying on time, and they are unreasonable on a request a simple as reopening a Credit Card that I HAVE had for years, which happened to have an interest rate of 7% . I shut 1 OUT OF 3 Visa cards down in error, since I had too many, and when I called back within minutes of what I had done, (shutting down the one with longevity) they declined/could not be reasoned with, making the consumer feel insulted for even having used them. They refused to reinstate, guessing it was too good of a rate, and also not letting me know this while in the process of cancelling. Mistakes are made by consumers. The economy is horrible, the debts are high, yet to not allow a consumer that has had a perfect track record with these folks for over 10years by not allowing one to reinstate the card one has for years (wanted to keep it due to longevity...not so much interest rate, although that is inticing...) is an insult. I feel Capital ONe needs to revamp their phone call center also . They all hide behind generic phone #'s. The supervisors are no help, the customer service reps get all the blunt, and are forced to shuffle requests on to too many (incompetent) management levels . I will now cancel ALL of our Capital One cards after this ridiculous ordeal. Good Luck Capital One. Your impeccable service has fallen on the way-side. The 90's are over and you are now feeling it too, by insulting your good clients . I will make sure anyone who even thinks about using Capital One goes on to the many COMPLAINT web pages you are starting to accumulate, and understands up front that the customer service is poor. All they want is cards to be opened, do not care for the clients with longevity that helped build the company... AMerican Express here we come!!!
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#136214 Review #136214 is a subjective opinion of poster.