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Capital One in Hercules, California - No customer support for West coast people
Trying to get a lien release faxed to me at 3pm AZ time to complete a car sale. But East coast office to which I am transferred refuses to do so until Monday because the order has to be by 2p East coast time. They were very nasty and continued to explain they were closed tomorrow, so I would have to wait til Monday. Most likely losing a car sale over this as I need the lien release today. What company in this day and age doesn't have 24/7 service nor can't service their west coast customers at THEIR normal business hours.
Capital One is not billing correct interest rate
I received an offer from Capital One for convenience checks with a promotional rate of 5.99% as long as checks posted by 11/15/2010. So I wrote two checks on 11/7. The first posted to Capital One within a few days and I received the promotional rate on it. The second posted to the Capital One card on 11/15. When I received my statement though, I did not get the promotional rate even though the mailing clearly stated in multiple places the offer was good through 11/15. Thankfully I kept all the paperwork. So Capital One is INCORRECTLY charging the wrong interest rate on this transaction, a much higher one of 17.9%. I phoned Capital One and was on the phone for 30 minutes with a representative stationed God-knows-where who could not help. The supervisor he transferred me to was better; she is sending this over to another department to review. Just in case that is not enough to get this corrected, I just wrote their "disputes" department, and am sending copies of all the paperwork I saved, including the initial offer which clearly states "must post by 11/15. Here\'s what I am sending them, minus of course the dollar amount and other information that is personal. And my caveat to you reader, is to save paperwork and check your statements carefully, especially when dealing with Capital One. I am writing to notify you that you have made an error in the interest rate being applied to the transaction dated November 15, 2010. That check qualified for a special transaction rate. Please see the following attachments: Attachment A – copy of letter from you "Dated Notification" . It states "Act by 11/15/2010 and get a 5.99% APR for 12 months. It also says "limited-time"…. "must post to your account by November 15, 2010. Attachment B – copy of second part of letter from you, right above the checks you sent. See the section titled "Use-by-date"; it clearly states "these checks must post to your account by November 15, 2010 for the promotional APR to apply. Attachment C – copy of statement from you showing that the check for $xxx posted on November 15, which means it qualifies for the 5.99% interest rate. Please rectify your error immediately, adjust the interest rate retroactively to the 5.99% rate that should have been charged. Otherwise, I will be taking legal action.
Capital One, they're fishing
It is my belief that Capitol One is fishing for personal information they do not need. I do not now, nor have I ever had any business dealings with Capitol One Financial - for any reason. I am getting several calls a day to my business phone, most after hours when I am closed. The two times I actually talked to somebody, They asked for my ID, they want my SSN, date of birth and mother's maiden name (under the pretense of identifying who I am) even though I am not the person they are asking for. I am on the Do Not Call registry and have been for some time. Today, I filed a formal complaint with the State Attorney General's office, but I'm not holding my breath. Is Capitol One in such bad condition that they need to start fishing for peoples ID's to legitamize their operation and recover losses? This is ID theft as far as I'm concerned, all backed by the various Federal banking commissions.
Capital One in Missoula, Montana - Credit card fraud
Do not get a Capitol One card. I tried a secured card inorder to build credit. They locked my account up over B.S. security questions. After months of this, I told them to send my deposit back. They wanted me to do an ID verification through my bank. This isn't something they do. They finally wanted me to send more money for fees. I told them to take the fees out of the deposit, which they agreed to. Then they told me it could take sixty days to get it back. This was three months ago. I even sent them a copy of my FTC complaint. #4 customer of US postal service???????
i had a Capital One Account and had some hard time and couldn't make payments on time. I may have missed tow to three payments, next thing i knew my account was turn over to collection agency wanting 575.00 payments for 12 months to pay of the account. if i could...
Capital One erased my bonus points.
I have been a good customer, always paid in full my balance on time for eleven years. I called and asked them to waiver my membership fee, they said they could not do that. I said close my account, no wait, pay off my balance with my 15,000 bonus points and then cancel my account. They said they could not do that cause they had just pushed a button to close my account and it erased my bonus points. They could not give them back to me, they were gone for good. I could reopen my account by just swiping my card at any vendor but the points were gone. I said why would I want to reopen if my points are gone? I talked with two supervisors and they said sorry, your points are gone. I earned those points how can they erase something that belongs to you? I will never bank with them again and I recommend everyone to stay away from them.
Update by user Jun 10, 2011
All matters between myself and Capital One Bank have been resolved. Thank you for your help and this website.
If possible, I am requesting removal of my post regarding this issue.
Original review posted by user Dec 15, 2010I am a former employee of Capital One Bank, located at 3950 North Dallas...
Capital One Commerical Loan Technical Defaults
I wanted to see if anyone is has expirenced capital one putting them into a stratigic or technical default with a bunch of unproved lies, IS anyone elese fighting back with lender libalioty or class actions? This maybe an orcastred effort on there part to reduce there balance sheet, we can never speak to anyone more than once, people keep coming and going. They have lied to us and broken there work, they have acted in bad faith and we are not going to take it anymore, we are fighing back contact us at CapOneborrower@hotmail.com, thanks we will win
I recently was in a vehicle accident where my vehicle was a total loss. I have GAP insurance to cover what Nationwide will not. Every time I have called Capital One to get documents my call is sent to a land so far far far away! No one ever understands what I am...
Capital One in Los Angeles, California - Call me 30 times a day!!
I am reading all of these complaints and understand your pain. I have a loan through Capital One and they are really bad. I paid my payment on time for three years on a five year loan, then last year I lost my job and was struggling to make payments ontime. They called me 20 to 30 times a day!!! I had to turn my phone off because it was so annoying. I asked to defer a payment and they agreed, but I had to make two payments upfront since I was two pmts behind, pay a fee of 70.00 and be put on auto pay. They failed to tell me that if I was late again the deferment would cancel. I was a day late for my next payment because the date of my autopmt fell on a Sunday and didnt post until Monday, even tho I was on auto pay, they considered it late!....and they charged me late fees and showed me two months past due because the deferment cancelled. The calls started up again. These people are crooks.
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