Reviews and Complaints
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8 ISSUES RESOLVED
Capital One Reviews
I will never do business with Capital One again and here's why...
Below is my letter written to Capital One on January 21, 2009: Capital One Attn: Customer Relations Ref: 2 Capital One Credit Card Account #'s To whom it may concern: My name is (spit on the floor) and I have two Capital One credit cards that I've had for over 10 years. On December 23, 2008... I sent a payment in the amount of $100.00 for my Capital One Credit Card #1. The balance on the credit card at that time was $21.40 and yea... I overpaid but I've had credit balances with Capital one for awhile now. Capital One mistakenly applied my $100.00 payment to my Capital One Credit Card #2 which had a $0.00 balance. So.... there is a $100.00 credit balance on #2. Now for the "fun" part: Capital One has harassed me at home for over two weeks now with constant phone calls saying that I was past due on #1 credit card. You've threatened me with everything from ruining my credit to closing my account BECAUSE OF YOUR ERROR. I've wasted over 9 hours on the phone with you people (from a foreign country that can't EVEN speak ENGLISH) trying to get someone to listen to me. I've been ASSURED 3 TIMES NOW that you've fixed the problem and have applied my $100.00 payment to credit card #1. In the mean time... I've now received a statement for credit card #1 (it's all red and threatening and I'm soooo scared) showing a $15.00 PAST DUE FEE and a $39.00 Capital One Member Fee. I officially dispute your $15.00 PAST DUE FEE for account #1 (see attached statement copy) I officially dispute your $39.00 Capital One Member Fee as I am closing all accounts with Capital One as of this date (see attached statement copy) I officially request that you apply my $100.00 credit... mistakenly applied to #2 and apply $27.34 as payment to #1. By correcting YOUR ERROR... this will make both credit card accounts have a $0.00 balance. I officially request that you refund me the credit balance of $72.66 immediately. I officially request that you close account #1 immediately. I officially request that you close account #2 immediately. You've lost a long standing and loyal customer because of your extremely poor and rude customer service, very bad record keeping and because you are wasting my time. Sincerely, Me ************ I'm just waiting for Capital One to screw with me one more time. I'll bring them before every courthouse in this country if I have to and I'll do it by myself if nobody will fight back with me. I'm sick of these rip off, *** artist, loan shark liars and we don't have to take it anymore!
Capital One Rip off
Scamers who can legally rape the us people and get away with it!! they jack there rates and move payments into the red so they can scam money from people so the can pay there CEOs millions. I was scamed starting at $5.00 that they jacked up to $1200.00. Why does USA laws let this company rip us off? They should be fired!!Ran out of this country, so there bank in other countries cant force US tax payers to pay up on false bills.Let us stop the bail outs to these rip off banks and jail the COE of this company, stand up US and fight this company run them out of this world close there doors. This is why so many are out of work--scams like this is black mail to give CEO there jets and keep working people in debt. when will it end? There a big company --that is allowed to ruin lives as our gov sets back and does nothing--call them --no one can speak english there
Capital One Credit card rip off
Don't, and I mean don't let your 18-20 year old kids sign on to a capital one credit card. Exorbitant interest rates and $39.00 fee for any amount over their limit. This is legalized loansharking and should be stopped! This company needs to be stopped and should be put out of business. Profits are one thing , preying on the young and uneducated is despicable. Capital one is definately not a company I would recommend to anyone. Rates of 24% and $39.00 a month over limit fee, does not allow any kid paying low and or minimum payments to ever see daylight again.
GOT CHARGES AFTER THE ACCOUNT WAS CLOSED!!!!
I HAD a credit card through this "company." A $250 limit. Just to build my credit. Well, HUGE mistake. I closed this credit card account in June 2007, asked for a letter stating that the account had a $0.00 balance and it will be closed after their standard 3 month time period, and the same day, cut up the credit card. Well, I get a call from collections stating that I owe CapOne over $200!!!! Why? Cause CapOne accepted a charge that I never did in NOVEMBER!!! Wasn't the account supposed to be closed by SEPTEMBER?????? I faxed the letter 4 times and they say that they never received it. IT"S A *** SCAM!!!!!!!!!!!
Capital One Auto Finance
This company has FDCPA violations galore!! They are still violating consumer/customer rights. Verbal agreements mean nothing to these people. Now they have subcontracted their phone calling out to another country and I cannot understand one word these people are saying and they have no idea of the facts surrounding this loan. They call anywhere from 2-3 minutes apart AND claim that since they are in another country that our laws here in the U.S. do not apply to them. Our car payment was deferred for 6 months due to Hurricane Ike. NOW the people who call from India and the Phillipines, etc., have no idea of what a hurricane is or about damages from. Capital One has subcontracted them to collect monies regardless of what way they have to do it and have most likely subcontacted them for pennies on the dollar. I have told them the same thing (per verbal agreement) over and over and over but they see nothing except what Capital One wants them to see. We, the consumer are the ones who are ending up among the Capital One "throw aways" Capital One Auto Finance is the very worst auto finance in the United States and why they have not been investigated for federal violations is beyond me. They have plenty to go around many times over. From now on I will be recording each and every call that comes to my home and the time of day these people call will be double logged in. What greed the CEO's of this company must have!!! I hope I live to see the day Capital One Auto Finance and their "Mickey Moue" credit card company goes down and their CEO's with it!! They call and harrass people so much they put people at a breaking point. My husband and I are not in good health and this harrassment has not helped our situation. We have no peace inside our own home due to these people and their constant calling. Each time we get calls that are 3-4 minutes apart that breaks any peace we may try to have. These people will not stop. Last night I had 3 calls within 5 minutes. The total for the day was 25. Fron here I will turn them into the Federal Trade Comission, Texas Attorney General, Better Business Bureau, U.S. Attorney General's office and will ask that federal charges be filed against them for FDCPA violations. THIS SO-CALLED COMPANY HAS TO BE STOPPED AND IT WILL TAKE THE PEOPLE WHOSE RIGHTS ARE BEING VIOLATED TO DO IT!!
Capital one--rips off the consumer
terrible company--been ripping off consumers for years--taking tarp money and victimizing the consumers--they work with a bunch of shady lawyers that will take a small debt and run it up to thousand of dollars very quickly--in late fees etc--then take you to small claims court and get a judgement and attach wages and your bank account--they are thieves- when they take you to court the shady lawyer says he wants 60% of an outrageous amount to clear the debt before the hearing---when you say no he says you dont know what life is about--really --i thought it was about being fair and honest----maybe i missed something along the way---they are like mafia---consumers come forth and put this company to account for their fraud--they belong in jail--they use district justices which may be on their payroll to create this crime against innocent comsumers--lets put a stop to this--i am going to start a web sit based on helping the consumer--lets stop complainging and do someting about it--we the people have the power--hey that reminds me-"WE THE PEOPLE"--did i hear that somewhere before--america lets roll!!! and take our rights back--dont let people say you dont know and have to listen to us or else--tell them perhaps "you" are wrong and "we are the people"--thanks for reading--rick
Carrie B Wyo
Capital one bank
capital one has the worst web site. every few days the web page will not load up or there is some issue with it. i have contacted the banks main branch and they refuse to believe there is a problem. but i can go to all other web sites fine. capital one says it has to be my computer or my connection. but when i go to library and try to access capital one it has same issue. but they refuse to fix or admit there is a problem. the real problem is the don't care about the consumer.
sondra v Zre
Capital one auto finace
i got a car from 1800 bar none capital one auto finace is the bank im a little behind only 2 payments they call all the time i sent them some money but they keep calling if you pick up noones there if your not home they dont leave messages and on the off chance that someone is there when you pick up 9 time out of 10 its a recording if you do get someone they keep asking how much are you going to send i try to explain that i have to see how much my check is i dont know they get snotty ive never not paid if i get behind i catch up but the keep harrassing me or threaten to take my car im close to paying it off i oew only 9000
San Diego, California
Minimum payment doesn't even cover interest, balance only increasing.
The minimum payment of this loan prohibits me from ever paying it off. The amount of interest associated with this loan is criminal and is in aline with organized crime. I can't really see the difference. I attempted to negociate a way to pay this loan off with their customer service representatives with no avail whatsoever. All that was said that we can't help you and the interest rate is fixed. The criminal amount of interest prohibits me from ever paying the loan off. Therefore can't see the reason for paying anything. I really don't see any difference in this practice with that of a ponzi scheme, or Bernie Madoff stuff. It would be nice if these guys would work with me to pay off this loan, it looks like they'd rather break my legs than work with me on it.
Knoc off time on Friday
I called Asset Acceptance because I received a letter stating that I owed a credit card, I have never had a credit card. When I called in I was very rudely hung up on before I was finished speaking, I called back and asked for the manager and the gentleman I was speaking with said "OH GOD MAN TAKE CARE OF THIS!" I was then put on the phone with the "manager" who was equally as rude. She informed me it was their closing time and I was their last call. I expect the same respect at 7:00pm as 8:00am, she did not seem to agree and hung up on me. I am a victim of fraud and I need the correct information as to what I need to do. I do not need to be told to file a police report on a matter that is over five years old. I am very PISSED and I will pursue this further with my lawyer and that little lady and gentleman's supervisor.
Los Angeles, California
Capital One Credit Cards
I have used 2 Capital One Credit Cards for over 10 years. I have always paid on time and at least twice the minimum due. I have an excellent credit rating as well. I have now recieved a letter informing me that my interest rate is going up due to the economy. I find this to be totally unacceptable. Why should I be punished for being a upstanding customer? I will no longer be using these cards, and will pay them off in full in a short amount of time and cancel the accounts. It is not my responsibility to bail out this conpany.
Park River, North Dakota
10 year customer and they more than doubled my rates!!
Terry E Tkb
Capital One is just greedy
Well after being a customer for 9 years with never missing a payment or being late, this company sent me a letter stating that they are raising my interest rate from 6 percent to 16.5 percent because of the economic situation. I called and talked to their $3.00 a day/very poor speaking Indian woman who could not believe that I would even question this move on Capital One's part. She tried to explain that this was not personal and that I should be honored that my 750 credit score should be included with those that have a 400 score and have not paid their bills on time. I was then transferred to a senior account person who again apologized that I was unhappy and that this was nothing personal, and after I asked her what Capital One did with those billions of dollars that they got from good ol Uncle sam this professional Capital One person hung up on me I cancelled my account and Capital One lost a good paying 9 year customer, so can some one please tell me how this made any sense on their part, to jack around a good customer so they lose that customer and thus they make nothing off that 9 year customer? How does that make any sense?
New York, New York
Capital One Credit Card Ripoff!
I've had a Capital One Credit Card on and off for about 9 years. I've just now noticed they often conveniently forget to send a bill. I am a busy person and don't always remember when each of my bills are due, and I pay them as I get them. (never late) They than charge me a late fee. I thought it was me. Perhaps my I misplaced it? NO! It is only Capital One. I never have this problem with my other bills. I finally confronted Capital One. They didn't deny this and instead told me that it is still my obligation to pay on time, even if the bill does not make it to my mailbox. That is true. So in order to gaurantee my Capital one payment is never late again, I'm cutting up this card and sending the pieces back to them.
Capital One Harassment of OAP 68 Years Old
In Oct of 2006 I paid of capital one with a Cheque and a letter to end my account with them, That was the last statement ever received from capital one, early this year I see they never canceled my direct debit and had taken over Â£500 out of my account, and now sending me Default charges of Â£12 to a debt that they cannot prove exists, I ask for prove of account and why they never sent statements since October 2006 all l get is excuses to why thy cannot, send them, all I need is prove of a account, Think before dealing with Capital one
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