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Capital One in New York, New York - Froze my line of credit

When CapitalOne bought out North Fork I was assured nothing would change. I had a line of credit for years that was cancelled by CapitalOne because they didn't like that I wasn't paying down. I thought banks made money by lending. My credit rating is 800 so there is no problem. I have called and e-mailed the officer that made this decision for an explanation but have never been favored with a response.To make matters worse I must receive 2-3 mailing from them to borrow money. Since I am retired and living on a fixed income the burden of paying down the line of credit at what was $10,000 per month is a hardship.
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Review
#418809 Review #418809 is a subjective opinion of poster.
Tags
  • Mr Golf
  • Mrffgolf

Capital one is losing !

Its about 3 years that I have capital one credit card and the credit limit is $750. Now after 3 years I asked them to increase my credit limit, but their response was a negative answer to me ! they told me that they can not increase the limit ! I told them why? even I talked to 3 different people in this company (A rep. a supervisor and a manager) but there was not a specific reason for their action. as far as I remember always I was on time to pay my bills and even other payments (other credit cards) I did the same. so, this shows that something wrong in their system and they can not make a right decision. I do not recommend this credit card company. There are better credit card companies that they may have a better a service for you.For sure they are loser and they can not compete with other credit companies. . Stay away from Capital one. Have a great day!
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Review
#418412 Review #418412 is a subjective opinion of poster.
I just spoke with a customer service rep by the name of "jay" with the id number of "jwk"( if that even was his real number and name! Back in march our car got repossessed on a fri or sat night and we called monday to get all fees for our car, we were able to get that...
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1 comment
Anonymous
#886182

The repo fee is billed to the customer because the towing company bills said company for this fee so in since this is a valid fee and you do have until the end of the loan to pay this in full and is not credit assessing and will not put your account past due

Review
#415650 Review #415650 is a subjective opinion of poster.

Capital One in San Francisco, California - Most frustrating customer service

We had used our Capitol One credit card for a few years with no significant issues. When we attempted to use it to pay for a meal, it was declined. When we attempted to find out the problem (or any other information about the account), we would be transferred to a "fraud" representative. The "fraud" representatives were extremely rude and unhelpful. They would first say that they would help us, but then they would provide no information on the problem. We are still trying to close the account, but the account never gets closed. We still have no clue what caused the problem or why it is not being addressed. I would not recommend a Capitol One credit card to anyone, especially if you expect helpful customer service representatives. As far as I know, we have not yet lost any money because of this, but we have wasted a great deal of time and energy.
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#415235 Review #415235 is a subjective opinion of poster.
After making arrangements to pay for my van which was only two months behind, a repo man showed up. He must have been following me because I parked my van and walked inside my place of employment ON THE PHONE WITH CAPITOL ONE ALREADY and JUST FINISHING UP when about 5...
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2 comments
Anonymous
#1103165

Thats a lie. I used to work for capital one.

I left after my husband got a job offer in a different state.They will not repo your car at being only 2 months past due. Only if you never made a payment at all. They give more time for a person being late than any other company i know.

I wish my loan was with them but it's with a scam of a company called Santander. Now they are the worst.

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Review
#414530 Review #414530 is a subjective opinion of poster.
Loss
$20000

Capital One in Boston, Massachusetts - Robert

I financed though cap one i made 54 consecutive payments never missed a payment febuary 2012 i had a stroke and could not work i called Capone to let them know of my cituation along with medical records for solid prove they told me i did not qualify for there hardship program u needed to be 90days behind so i started makeing half payments till i herd from the hardship department never did that happen received a phone call on a Friday Sunday night car was gone i told the collection department that i could make a full payment on Monday finally hardship department called and was told that they would reduce my payment from 412.50 to 370 and add the difference along with repo fees on the back end of the loan.then i was told that the process takes 10 to fifteen business day unexcepticalas I was being charged 45 per day storage fee capone made it impossible for me to get my car back they are lying *** bags they already got there money on my loan as i made 54 payments out of 72 i hope no one finances a car with them and the government never bails them out they do not work with you under any conditions
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1 comment
Anonymous
#880034

Why is it that people who missed payments could always mysteriously make full payment when the repo man shows up?

Review
#413870 Review #413870 is a subjective opinion of poster.
Loss
$15000
Tags
  • saab 97x

Capital One in Newark, New Jersey - Capitol One... Who's in your call center!?!

I contacted capitol one today to try to lower my interest rate, which had just gone up for some reason. I was transferred to someone obviously not from this country. Although very difficult to understand him I provided all the acct details. He then asked me for a password.... I have a password for on-line banking but not for the phone I told him .. He then placed me on an extended hold. Another employee came on from the fraud department, again asking for a password... I still don't have one I said.. All I am trying to do is lower my interest rate, and it was becoming a federal offense!~!! I only wish someone would *** my credit card info and lower my interest rate for me!!!! How awesome would life be!!! I think that this is absolutely ridiculous of them not to allow someone to lower the rate with out a password. When did this start? Is this something new to make it more difficult for people to do this to their accounts. I am so going to cancel both of my capitol one accounts. Hey capitol one, hire some Americans!!!
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2 comments
Anonymous
#830391

Please learn how to spell CAPITAL ONE. Just saying is correct.

You can add a pw to your account for an extra Layer of security. You probably forgot you added one.

Anonymous
#827457

You are such an ***.. Credit Card account companies allow you to put a password on your account to protect to your account information, no Credit Card company is going to speak with you unless you verify the password that you setup with them.

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Review
#413608 Review #413608 is a subjective opinion of poster.
This bank (Capital One) took over services from HSBC Bank last year and canceled my memberships without any OK from me. When I called CreditKeeper I spoke to Matt who was nice and friendly, but told me my 2 services were canceled but there was no reason given. He works...
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3 comments
ushowednomercy
#762811

Do not use this service, the credit reports are wrong, the scores are way off and all they do is take your money for nothing in return. Stay away!!!

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Review
#411675 Review #411675 is a subjective opinion of poster.
I maintained a credit card with Capitol One for 7 years. One month before the CardAct of 2009 went into effect they increased my credit limit without me making any requests by $5000.00! In the Card Act there is a stipulation that a card issuer my not open or INCREASE...
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3 comments
Mom22many
#667780

I filed a compliant with consumer protection and am going through the process. This was an example of predatory lending and a violation on SEC 105 of The CARD ACT of 2009 titled "Ability to Pay."

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Review
#411033 Review #411033 is a subjective opinion of poster.
Loss
$7000
Tags
  • Devious practice
  • malicious

Capital One in Hagerstown, Maryland - SCREW THEM, there are other sources....

Had a balance of 17.00 on card, never late for the two years I've had it, asked to have card increased to $1000.00 because I need to make an emergency trip. No I do not do credit cards....they refused me. So making last 17.00 payment and cutting card. Just got another banks card, lower rate and they wanted to give me a $15,000. credit limit, I settled for $1000.00 Screw Capital One, never again.....the banking industry took are tax money, been sitting on it for years now and just screwing us with are pants on everyday!!!!
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Review
#411001 Review #411001 is a subjective opinion of poster.
Tags
  • lousy banks