Capital One
Reviews and Complaints
www.capitalone.com
Anonymous
Opelika, Alabama
Bad Economy will bankrupt Capital One
The unscrupulous credit card practices will lead to Capital One to bankruptcy and the current bad economy their consumers just walk from their bills. The recent news of credit card defaults reached double digit percentages by many credit card companies. They are on their way just like Providanian credit card company which took down one the largest bank in the Midwest. This Chicago bank was bought by Providaian credit card company. Their line of business included pay day loans. When the 1990-**** recession came it took down the bank. As a result, consumers could not pay their bills. The company could not collect because high unemployment rate. Finally,another example of company on the *** of collapse of taking too much risk.
6 comments
desertrose A
Palm Springs, California
Capital One interest from zero to 14.90%
Early May I discussed getting a balance transfer in the amount of $5,000. The rep told me this would be at zero percent interest. She assured me the interest rate would only change if I were late with two payments. Now on my 2nd billing, I was charged at an interest rate of 14.90%. In discussing my problem with a "Senior accountant" at Capital One, I was advised that the rep was unaware that a letter had been mailed to me in Feb indicating that my interest would be changing. They refuse to reduce my interest rate. I will be writing a letter to their office in UT. I have truly been defrauded!
saynoto
Weston, Florida
Another Capital One Rip Off
My mother was hospitalized for 6 months, company refused to take that into account, would not talk to me or take mail from me as I am not account holder, since then they sky rocketed her interest rate, kept dangling a permanent payment plan in front of her that today - 6-8-09 she was finally told was non existent for her. What kind of company advertises "What's in your wallet, see what we can do for you?" and then screw people to the wall. Capital One appears to a company that is great for taking money, not working with its custumers when they are hospitalized and require long term care, and, to add insult to injury they will gladly jack up interest rates and late fees for you. They also have a nasty habit of changing due dates on your credit card statements so watch your statement date. My next letter is to the Attorney Gens. Office to make him aware of this attrocity.
Anonymous
Germantown, Maryland
5178-****/1254-****
capital one is still charging overlimit/past due fees on a credit card account 5178-05-**-**54-8875, which was opened 11/2001 paid and closed 11/15/2002. capital one reported the credit as charged-off which is a lie. in addition because of greed capital one issued fraudlent credit cards in my name.
in the past capital one as congress, news media and the federal reserve has sited capital one as one of the most corrupt credit card issuer in history
of the industry.
I, am joining the class action lawsuit against capital one today july 1, 2009.
Loss:
$3
1 comment
Anonymous
Phoenix, Arizona
Capital One - rips off disabled vet.
I just wish to thank Capital One for giving me the privilage of paying for Payment Protection for 6 years and then denying a 100% disabled veteran Payment Protection as advertised. I also wish to thank Stonebridge Benefit Services Inc for it's part in violating my civil rights granted under federal law. If you have ever signed one of Capital One's Payment Protection Activation forms, It is a blanket authorization for both Stonebridge Benefit services Inc, and Capital One. As required by law, these forms do NOT disclose that they are optional. If you signed one of these forms, I would contact your Attorney General for your state, And tell them the story. Companies that thrive on STEALING and VIOLATING peoples rights that are unemployed, disabled and unable to work, need to be made to pay for thier actions. If you need a copy of this form, send email to bob408_****@***.com . This form even allows Capital One to full access of your medical records EVEN prescriptions!! I think it would be safe to say that it just might be a violation of your rights under the Codes of Federal Regulations, which is also a violation of your privacy. When a company has to TRICK you into signing a form, isn't that a SCAM ?
Chanta Qta
Baltimore, Maryland
CAPITOL ONE IS DISHONEST
Beware if you owe money to Capitol One, and they call you to set up a payment. While there's nothing wrong or illegal about this, be careful. While your caller ID may read that the call is coming from the United States or Canada, when you answer the phone it will transfer you to their NEW collections department in India or the Phillipines. Always ask which country the person is calling from regardless of what your caller ID reads. When you say "helllo" two or three times, their phone systems is set up to transfer you to their collectiosn office in India. Not to mention a rude person, with a thick accent. Usually the caller ID will read something like, "215" or "919", which both are in the United States, but wil transfer you to a person in India. While I'm all for paying off my bill and not doing business with them again, I don't think it's right that someone ten thousand miles away should be calling me about my Capitol One account in Maryland. If you do business in America, then DO IT FROM AMERICA, not from a country ten thousand miles away. If your really fed up with Capitol One, like I am, Then write directly to their Board of Directors, and tell them your not paying your bill until you speak with an OFFICE IN THE UNITED STATES, with a PERSON YOU CAN UNDERSTAND, who doesn't have a thick accent and speaks quickly.
4 comments
Anonymous
Anderson, Indiana
Capital One should be avoided at all costs.
I had been a customer in good standing for years with Capital One and enjoyed a low rate on my cards. 2 months ago they sent me a rate change in the mail wanting to raise my raise to over 17%. I called cancelled the cards froze the rate at my low rate and continued to pay them off. I was the victim of theft with my checking account which I made my payments so my bank put a Hold on the account. Well an automatic payment went through to my Cap 1 card but was returned because of the hold and Cap 1 raised my interest to a default rate of 23.3 %. Even though I had never missed a payment and kept the account in good standing they raised the rate. I even called and explained what happen and offered to fax copies of the banks affidavits and police report and they still refuse to do anything to assist me. They want me to wait 90 days before they will consider a rate change when I had never been late before. Scoundrels at best is how I would describe them, what's worse is that these criminals took T.A.R.P funds from the American people then turned right around and started screwing them on their interest rates. The new consumer credit protection legislation won't help either as it doesn't go into effect until next year. Congress likes to pretend they did the American people a favor by passing it but the fact is they wanted to give their campaign contributors enough time to nail customers with fees and interest hikes before the legislation would take effect that's why it doesn't take effect for 9 months. Its practices like this that gives the free market a bad name. I am going to hold off getting another credit card until after the legislation takes effect. You can be sure it won't be with Capital One too. Sincerely, Another Cap 1 victim
Anonymous
Saint Charles, Missouri
Capital One are crooks
I am a long standing customer and had my intrest rate increased. I payed the balance and disputed the charge. They blaughed it off and blew me off and now after I paid the entire balance a new chage of $17 dollars was added to punish me. Stay away from this company and any one that has contact with this company. They refuse to correct anything or give back money "stolen" form my account. Remember I have a paid off account and they want $17 dollars more and refuse to give back my overcharge. Run , run fast and do not allow them to get into your life.
5 comments
Anonymous
Santa Clara, California
Quit crying
guess what dumbas*es, if you live within your means, this wont happen to you, sorry life is not fair, be a little more responsible, you create your own problems, and you need to be pissed at yourself, noone cares how pissed you are at capital one, they have millions of happy responsible consumers capital one gives me compound interest on my bank accounts, and they have always been fair with me is there things i would like to buy instead of putting my money in the bank?? yes of course stop living like pigs, wake up america, be responsible, quit looking for handouts
11 comments
Anonymous
Plano, Texas
SKIM SCAM SUM
Cash deposit made before 3:00 and still no acess to my money after 4 days!!! Is the banking system really sound? Since our company was changing deposit days I was confident they would screw it up... They did ok but a 1000 CASH deposit was messed up. I got an ATM balance and THEN confirmed it at the bank tellers window and was told NO fees could be charged for the use of the money. Found out later by chance they were showing a -661 balance!!! When I asked them they were also charging 31 dollars that escalated to 35 the next day!!! I got the dated CASH reciept from the BANK and they still want to pass it on to someone else to make the decision... I tryed to tell them that MADDOFF no longer was in charge but they would not listen!!! BS
Loss:
$1000
paula v Mhy
Los Angeles, California
Turned me down for a credit card. I havnt dealt with you for more then 8 years.
I had a prepaid credit card from you and kept up paying so my limit went up. I then vanished for 8 years and had no use of the credit card. I havnt had any use of any credit card in over 8 years. Why was I turned down. according to the letter I was deliquent on payments. Not so I had no payments. Is there any way we can come up with an agreement on what I owe or owed you years ago, im trying to establish credit in my name. If my card was used after August 2001 then it wasnt me using it. I at least deserve a free credit report. Can you at least send me that?
Loss:
$500
1 comment
hueralli
Idaho Falls, Idaho
Capital One raised my interest rate to 27%
I was always happy with Capital One until about two months ago when they raised our interest rate from 9.9% to 27%! When I called, I was told that the area I live in is considered high risk and therefore they could not lower my interest rate. I paid off my balance in full thinking that my original interest rate would be reestablished. Again, I was told by customer service that my interest rates could not be lowered. I immediately closed that account and will never do business with them again. Their business practices are predatory. I am done with them.
KennethCanady
Latrobe, Pennsylvania
Unjustified late fee charged by Capital One
i payed my monthly payment plus an additional $62.00. My authorization code was dated 01May. Capital One charged me $38.00 late payment fee. I called Capital One customer service and was offered half off the late fee to make things right. I informed the representative I expected full $38.00 credit. She refused to offer me anything over half. I am pissed and intend to transfer my balance A.S.A.P. I told the phone person of my intentions and she was unconcerned. I have used this account since 2006,but NO MORE. Good-bye Mr. One and all your greedy predator ways.
Loss:
$38
3 comments
Anonymous
Wentzville, Missouri
Capotol One is raising my interest 100%
After 14 years with Capitol One they've decided to jack up my interest rate 100% this coming January 2010. I have NEVER been late with a payment in all that time and almost always pay well over the minimum due. My credit score hovers 800 give or take. I've had 4 or 5 bank loans within the past 14 years and ALL are paid off and paid years before the term of said loans. When January gets here I will have finished paying off that card and be finished with the idiots that govern Capitol One's policies.
4 comments
Joe C Cni
Chicago, Illinois
Capital One when a bill isn't the bill
I had a balance of 206.72 with capital one so I paid the entire amount on time believing I was finished..right. I just received my new statement with a finance charge of 3.18 on the bill I already had paid. When I called the customer service I was told I should have called for the pay out amount. What a racquet that the bill is really not all the bill. I will never use this card again what an incredible rip off. I did asked the representive if I was going to be billed finance charges on the finance charges but of course she couldn't answer that one Joe Chicago
5 comments
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You sureissed the boat on this prediction. They are still going.
They charged me a bunch of fees - and they had their dates wrong. I bought capitalonesteals.com once - called them - told them I was going to put it up on the internet and explain - with scanned copies of evidence - how they were stealing from me - and probably thousands of others - and put it EVERYWHERE I could.
They refunded ALL my fees 30 days later - then I cancelled the fricking card
They raised my interest rate for no reason. I hope those sob's get screwed right to the ground.
All business that treat customers so poorly SHOULD GO BANKRUPT. GOOD RIDDENS
They are now looking for happy customer to join their community. They wanted me to take a survey and when I did they said do to my responses I did not qualify to be on the community. The only happy customers they will find at the moment won't have a balance.
If you are on Facebook...join the group "Boycott Capital One." Unfortunately there is more than one of these groups so join the one that is the largest.
Good...I hope they DO go bankrupt! I am sick of these big corporations screwing their loyal, long time customers! From now on it is small local banks and credit unions for me.