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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.

Capital One in Washington, District Of Columbia - 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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#136049 Review #136049 is a subjective opinion of poster.

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
Anonymous
#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.

Anonymous
#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.

Anonymous
#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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Review
#135998 Review #135998 is a subjective opinion of poster.
Loss
$3

Capital One in Cleveland, Ohio - 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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Review
#134718 Review #134718 is a subjective opinion of poster.
Loss
$101

Capital One in Macon, Georgia - 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
Anonymous
#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

Review
#134444 Review #134444 is a subjective opinion of poster.
Loss
$2200

Capital One in Dallas, Texas - 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
Anonymous
#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?

Anonymous
#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.

Anonymous
#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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Review
#133138 Review #133138 is a subjective opinion of poster.

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
Anonymous
#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

Review
#133008 Review #133008 is a subjective opinion of poster.
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...
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#132992 Review #132992 is a subjective opinion of poster.