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Capital one fail to talk

Almost two years ago I was laid off. Talked to State Farm credit, Wells Fargo Credit, and Capital One Credit. Strange State Farm Reduced the amount if I paid it off right away. Wells Fargo reduced the interest to 0 with auto pay from Bank. Capital One nothing. They did not want to talk about figuring a way to pay them back if even a little at a time. Recently I received a letter from a lawyer that the hired to try and collect this. Blood from a turnip. At this time I do not even receive unemployment anymore but they want to take you to court and sue. Last time I ever have a Capital One card and hope they are look at carefully by state legal as to their practice seeing I thought they were suppose to work with the consumer under these conditions of LARGE UNEMPLOYMENT in this country.
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Anonymous
#274442

same thing happened to me .had a capital one card for over 5 yrs .Never missed a payment .Now I am unemployed and cant pay them .They sent it to a lawyer .last I heard they are putting a lein on my house .

Review
#228078 Review #228078 is a subjective opinion of poster.

Capital One

I have paid my credit card bill a few days late, they tack on their next month bill and expect me to pay it. I paid what I owed and then the finance charge, but they keep contacting me several times a day. I talked to an agent and she said she would mark that I would pay the bill on the day due, oh no, they keep calling! Ridiculous! I told the agent that they were harassing me and finally hung up on the ***! But I am sure they will be calling me again today. The calls are from Florida and Cap one...
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Anonymous
#261901

Dont pay your bill late, and you wont get charged late fees.

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#227215 Review #227215 is a subjective opinion of poster.
I teach lesson and bring in 4 or 5 checks a week. I have had a personal account with Chevy Chase Bank for 12 years and now it is Capitol One. First Chevy Chase and Now Capitol one keep bugging me to open a business account. They keep at it so much its *** me off....
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Anonymous
#310540

I work for the bank. We are supposed to ask every customer about opening accts.

etc. We are chastised if we do not get enough "referrals" each month. The bankers make good money for opening accts.

and selling other products to customers. Do not be so hard on the tellers(lowest paid employees).

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#227196 Review #227196 is a subjective opinion of poster.

Capital One in Washington, District Of Columbia - Rubin Rothman refused my payment arrangement.

I recieved a letter from Rubin Rothman asking me to call to make payment arrangement. I called and spoke with Ms. Santos. She tried to ask me personal questions until I asked her what it had to do with me setting up a payment plan. I told her I could afford $100.00 dollars a month and she said that is NO GOOD that the min payment was $200.00 a month and they will file a judgement and that I was being recorded I told her I was recording her and she said that I had to advise her that I was recording her and she then said my payment is REFUSED. I guess I have to wait for them to file court papers unless someone else has any information for me
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Anonymous
#267570

If it goes to court, your recording will be inadmisible because you failed to advise Ms Santos PRIOR to the conversation. You may as well take your recording to the nearest incinerator and burn it. When you're in *** STOP DIGGING!

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#226726 Review #226726 is a subjective opinion of poster.

What's in your wallet Hopefully not Capital One Took 5 days to solve a simple problem

Took over 5 days to solve a simple balance problem. Not even the supervisor could authorize a simple balance adjustment. So much time wasted. Frustration with Capital One personnel and its far away call centers. Capital One needs to train its staff in the use of good common sense. I did receive 5 letters explaining that the situation had been cleared up. There are other credit card carriers that provide much better service. One might try using American Express or Discover card, or a credit union. The commercial "what's in your wallet" is a total time waste. Stay away from Capital One
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#226464 Review #226464 is a subjective opinion of poster.

Capital One in Austin, Texas - Lied to me about a 0% finance offer

I spoke to a customer rep in Jan about a 0% finance offer for 13 months. A month later they're charging me interest and saying that they have no record of the offer. They refused to help me or let me elevate my complaint to a manger, saying that the managers "don't take calls" and "there is no one here who can help you" and that I could write a snail mail letter to see if someone would be able to investigate my claim. Unbelievable. I have been a customer for 10 years and now I'm going to cancel my card.
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#226395 Review #226395 is a subjective opinion of poster.

Capital One in Chicago, Illinois - Capitol One Harrassment

Over the past 2 months I am being harrassed by Capitol One who is trying to collect a debt from my brother in law who does not live me, has never lived with me and who I am not resposible for nor cosigned anything for. They won't stop!!! What &^%$%&**. Does anyone else have this problem?? I cant even talk with a live person. All I ever get is a recorded message and the ability to leave a message. I guess maybe we can post something on Youtube and hope it goes viral. I will never do business with Capitol One.
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Anonymous
#348471

Send them a cease and desist letter explaining this (you can find them online). They MUST stop calling your house if you send this letter under the Fair Debt Collection Practice Act.

If they they send something to you via mail, write in big, bold letters "Return to Sender, address does not reside here". Keep in mind they may sue your brother-in-law and get a judgment against him but it will have nothing to do with you. If they try and serve papers on you and cannot get to you they may put a Complaint (filed lawsuit) in your mailbox, without an envelope, call the Post Master General and report them, THIS IS A FEDERAL OFFENSE. Do not let them get away with it.

They are being sued currently for deceptive practices so just be aware they are not a nice company. Good luck.

Review
#225901 Review #225901 is a subjective opinion of poster.

Capital One charged $3.99/mo for stolen card protection

I found an unauthorized charge of 3.99 per month on my Capital One credit card for "stolen card protection." When I called to report the fraud, they at first acted like they were calling the company that was charging me. After about half an hour I got them to admit that it was Captital One itself that was charging me. It took another half hour with me having to endure two sales pitches from the "Fraud Division" before they finally agreed to refund all of the charges. BUT...they said it would take up to three billing cycles. What a scam. Don't get a card from this awful company.
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#225742 Review #225742 is a subjective opinion of poster.

Capital One Penalized me for paying off card

I had a Capital One Credit card that I used for over 6 years. I was never late and never went over the credit limit. I paid off the card and right after it was paid off they changed all the terms of the card and charged me a new $45 annual fee. The card never had an annual fee before. They changed the terms to penalize me for paying off the card. Do not do business with Capital One. They will charge you for being a responsible customer. I will be canceling this card soon even though it will hurt my credit score to do so.
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Anonymous
#326381

I had a $2,000 balance that I racked up in one month. I went to use my card after I paid the $2,000 and it was declined.

They put a hold on my account for 10 days because I paid my bill! In other words, i'm being penalized for paying off my card. They said it was because if you pay over $2,000 that was a red flag.

You've got to be kidding me! Capital One sucks

Review
#225463 Review #225463 is a subjective opinion of poster.
Loss
$45
Capital One ***!!!!!They have a License to Steal. Just got off the phone with Capital One.........too mad to even think straight. We have had an account with this company for many years, always paying on time or early and always paying more than the minimum amount. ...
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Anonymous
#257644

I suggest you play their game. If your credit is good, get a balance transfer with 0% interest (Discover has a great one for 2 years).

Have Discover pay off the capital one balance. Then call Capital One and tell them if they don't lower your interest rate, you will pay off the card to 0 balance, and then not use the card but will keep it open. Insist on talking to a supervisor, because first person never says yes (usually take 3 tries to get them to relent).

Then, whether they lower it or not, follow through. The next time you call them (say, in 6 months), I bet Capital One will be a lot more reasonable.

Review
#225447 Review #225447 is a subjective opinion of poster.