Latest review first
I HATE CAPITAL ONE
We have had a Capital One card for years. Recently (last several months), they have been "holding payments for 4 busness days." I have also always used the automated phone payment system which has now become frustrating and cumbersome. These 2 events seem to have coincided. The auto pay system takes you all the way through very smoothly until you get to the account you wish to use, which is incorrect. I give the routing # & account number all over again, it then am asked if I would like this number to be the permanent acct number on file. I answer "yes" & get transferred to a foreign customer service rep & have to give all of the info AGAIN!! The 4 business days extrends beyond that time frame also. I have never, ever had this much trouble making payments on any account. It is certainly motivation to close out the account.
Capital One: All Up In Your Wallet!
I received a notice from one of Capital One's collection agencies indicating I owe Cap One past debt. I responded in writing, as directed, to dispute the assertion. Cap One's attorneys then promptly sued me without an attempt to solve the problem. Now I'm stuck going to court this week. I have no doubt that I'll get the shaft; I'm very ignorant in court matters. Apparently greed runs the show at Capital One rather than ethical operations and customer care. It's no wonder they have the lowest customer service rating of any credit card. Alex Oren
Capital One has reported me deceased since 2005 any actions to correct it temporary as it repeats at an alarming rate of return from yearly, to quarterly then monthly and etc. Here is the issue they do this and everything requires a background check which includes...
Capital One is never to be trusted
An account with Capital One in 2003 discovered that via letter they declared me dead in 2005 well the credit card reporting agencies said this is their doing and open the account under a dead social security number not mine. I resolve as a good customer but it repeated the hiccup of reporting me dead first yearly, quarterly then monthly and finally in a matter of weeks clearing the matter. They deny monthly calls acknowledge ones they unfortunately sent letters proof in black in white. My financials ruined closed bank accounts & cant pass background checks for work! I use to work in telemarketing they don't have legitimate claims as well they their third party customer call center use digital and analog nullifiers that prevent recordings and try calling them you get hung up on, transfered to dead numbers they dont' care only time you get a live operator it's do you want to make a payment how can you if your reporting is closing out my bank accounts!!!!! or preventing me from working!!! yes, reutors and wall street journal reports that they receive the highest complaints and they have to pay two settlements for anti-american activities - such as foreclosures, seizures and debt discharge on active duty service members in the Iraqi and Afghan wars plus the other settlement is for fraud sales practices via their customer service agents. The bad part I know more gory details as they are located in my home town of Richmond, VA only 12 minutes from my home and know people that work for them and yes worked for a third party subcontractor with them- their response oh, um I work in a different division ....well capital ones classic response oh sorry I don't know about the incident have you ever called us we have not record I don't know! Frauds, crooks and liars unfortunately largest employer in my area and those that work for them the same! As a word of caution avoid them I fear that their activities will catch up with them and they will close and thousand in my area unemployed - two legal settlements and media reports plus many consumers with their experience such as mine possible permanent financial future damage I can't ever get credit or buy a car or home again please spare yourself misery leave them now!
Capital One in Maumee, Ohio - Capitol One unnecessary information?
I recently was approved credit from Capitol One. After I made my first purchase ($6.88) my card ended up being restricted the next day. I called customer service and they said I needed to fax them my drivers licence, social security card, and bank statements to "prove" that I am who I claim to be. A normal 18 year old probably would have let that fly over their head and just send it right away, but I actually have some sense and think that has identity theft written all over it. I may just be paranoid. I told them to just cancel my account because I refused to send that information, and they told me they could not cancel it WITHOUT that information. That seemed a little sketchy as well. I don't know if that has happened to anyone else, but if it has I would like for you to let me know what you did to resolve it, or anyone just post for advice, thank you!
Capital One in Houston, Texas - WORST CUSTOMER SERVICE
I have had the worst customer service through Capital One that I have ever experienced in my 32 years of banking. Unfortunately after Wachovia was bought out I moved my account of 20 plus years to Capital One. They have a lot to offer as far as their services, but their Customer Service is absolutely HORRIBLE! I pay my bills through the online banking. I have 2 auto loans going to the same place and due on the same date. Capital One took the money from my account the day it was due, but according to them, they actually send an electronic draft. My credit union did not receive one of the checks, so after 10 days I received a late notice. Seeing that the funds were withdrawn on the date they were due, this confused me. I called Capital One and they had no idea what to do, no suggestions. I requested they call my credit union and inform them that in good faith I paid my payment on time. In the mean time, they were supposed to send another check. After another 4 days, and still no payment, and now my Credit Union has put a freeze on my funds there, about $4000, I'm out $4600 with the double payment. I called Capital One to tell them NOT to send another check because I was going to pay it myself. I wanted my account credited immediately! I got their scripted response, "the money will be credited back to your account in 2 - 4 days. Six days later no credit, I call once again, asking for someone that could help me. Guess what you cannot talk to anybody other than customer service to make a complaint, you have to write to them. Long story short, 21 days later I get my money back, 9 days after I paid it a second time. NOW....they sent the 2nd check anyway, my credit union deposits it and it's returned for stop payment. I now get charged by my CU $15 for returned check. I write Capital One online to request a refund for their error in sending a 2nd check out. Their reply is that they do not feel responsible for the charge, that my CU should not have cashed it. So...I get stuck with the charge. I explain that this whole situation has been nothing but a nightmare and I will consider moving my account elsewhere if not refunded. Guess what??? NOBODY CARES!! Definitely a first ever for me with banking!!
I have been with Capital One since 2000. Admittedly there were a couple of yearas when I was going through some financial troubles, and they my life a living you know what. Since 2008, my bills have not only been paid on time, but I have made several in full payments...
Capital One in Doylestown, Pennsylvania - Capitol One - Deceptive Practices
2011 I made a purchase at best buy using the credit card with defered interest. two monts later I made another purchase. the first had to be paid off by may 17 2012. So after making all payments early on May 14 I made an extra Payment of $800 to pay off the first purchase which should have paid off the first purchase plus a little just to be safe. may 29 I finished paying off the balance as shown on my statement. today Aug. 10, 2012 I get a call that I am 2 months behind and owe 652 on the account. They say I was $74 short on paying of fthe first purchase. So for thier incorrect calculations I had to pay 600 to keep them from fraudulantly damaging my credit further. The rep said several times "pay now or we will continue to damage your credit". He knew up to this point I had PERFECT credit , never even a late payment in over 20 years. So I paid but when he was recording my authorization of the payment he would not accept it when I said " Yes I agree to the payment but under deress". He siad I could only say yes......can you say "SCAM" and they know it. They are as crooked as they come. And don''t bother asking to speek to a supervisor because they do not call you back as promised. Yet another example of their worthless customer service. I hope they see this and call but I know they wont because they DO NOT CARE as long as they get thier money even if it is by telling thier reps to threaten the consumers credit score...WAY TO GO..also Best Buy just lost a good paying customer.
Capital One ruined my credit right as I was buying my house. I paid my card off three months ago and checked my account the following month verifying my zero balance. The month after that they managed to charge interest of $3.03 after showing zero balance over a...
Capital one - this company sucks
Paid my balance off in full yesterday and my bank cleared it. Today, capital one still had not brought the available credit up to date. I had to call and they said the account would be frozen for a week until the payment showed up. Liars!!! They called my bank to verify that the payment had been made (embarrassing). After they credited my account, I wanted to close the account. I've had it only about two months and this was the first transaction I did with them. When I told the capital one rep. I wanted to close the account, she said it would take 60 days to get my money back to me. This company is such a scam.
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