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Capital One in New Orleans, Louisiana - Drop interest rate on Credit Cards

I have been a customer of Capital One for over sixteen years and throughout my transaction has paid more than enough in fees because good and bad years but now my situation has gotten better now and after 12 months of good standing with capital One they still will not reduce my interest rates on my cards. after telling me how valuable I am as a customer and how well I have been paying my monthly payments above the minimum due and how they appreciate my commitment. However I need to go through a review period. Each time I call after six months I get the same statements on that I must go through a review process still today I call and was given the same speech after sixteen years I ready to move on. Capital One has not been fair with me and I'm looking for someone to do better than what is being offer by capital one
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#209907 Review #209907 is a subjective opinion of poster.

Capital One in Bellevue, Washington - Unwanted Service Charges -$100

Advice for anybody with a kid: manage their bills for them for the first few months. Don't give them the responsibility to do it themselves. They may be older but it's still a new experience and they won't know any better. Capital One is known to screw people over. That's why they hand out credit cards to anybody. They WILL trick you/force you into paying them back. For months I've been being charged for services I specifically said I didn't want. The only time I ever talked to a human was last year to setup my new credit card. I was 18 when I got this and was new to it and am currently 19. On the bills, I didn't know what the charges were. I thought they were a code for something I paid for and I just didn't recognize it. I also have 2 jobs, full time college student, and have elderly parents and their house I need to care for. It's tough to free several hours in that kind of schedule to search for a loophole to reach a human being. I don't have time to spend playing around. EVERY 1-800/1-866 number they give did the same thing. "Please enter 16-digit pin and verify with last four digits of your social security." Then they give you your balance and tell you to choose from several different options. None of the options were "speak with a representative." I exhausted EVERY OPTION on EVERY HOTLINE. I also emailed several times and received more computer automated responses. I've been charged with almost $100.00 in charges for services I never wanted and they said they'd only refund me $5.99 for this month and followed with "I am extremely sorry for your inconvenience. My system will only allow me to compensate for this month. You're stuck paying the rest." Why should I pay for something I said I DO NOT WANT? We went at this for a good hour. What annoyed me the most was that the woman who tried to "help" canceled the service, compensated only $5.99 out of the $100.00 and then tried to PERSUADE ME to keep paying for these services. I'm not so irresponsible that I need backup insurance on my card. I'll never lose it, never give out my number or information, etc. I'm the daughter of an accountant and tax professional - a financial genius. I've picked up from him and KNOW how to manage money. Anyway, summed up, I'm stuck paying off the charges but at least I'll be seeing my bill go down each month when I send in a monthly payment.
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#209707 Review #209707 is a subjective opinion of poster.
Capital One acquired Chevy Chase Bank whom I banked with years ago and closed my account back in 2005. Now Capital One has frozen funds in my current Capital One account to collect what they claim is a "charged off" amount on the now closed Chevy Chase account. I...
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1 comment
Anonymous
#256595

Im in how can someone with a 300 credit limit owe anyone 3K, capital one is a rip off

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#209674 Review #209674 is a subjective opinion of poster.
Loss
$400

Capital One in Bronx, New York - Hold on credit card

I recently got approved for capital one credit card after using it 4 times or so they put a security hold totally which I was not aware of. when I used it to pay it was denied. asked to submit documents to them which I did it will take up to 4 business days to resolve. issue has yet to bed resolved. They left me on a lurch. I would never recommend this card to anyone. and I faxed it 2 times. very very frustrating. and all they can offer you is an apology that does not help me at all
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2 comments
Anonymous
#231800

i have been fighting with capital one for 3 years someone got one in my name when i was 16 used my birthday but wrong year they keep telling me its in your social so you have to pay it no i dont talked to one of there lawers was told i would get a court date still waiting

Capital One
#217373

Hi, it's Trudi here with Capital One. I might be able to help you straighten this out.

Please send an email to me at social@capitalone.com with your name, street name and zip code so we can get started. Thank you!

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#209476 Review #209476 is a subjective opinion of poster.

Capital One has the worst customer service ever!

I filled a dispute over a month ago. It was credited back to my account. Then last week I recieved a letter saying it was being recharged so I called back to let them know I got the letter and asked why I was being charge for something I didn't authorize. They said I was supposed to send back a dispute form which I never got. The man I talked to on the 23rd of November told me I would have the letter resent and it would be "in my mailbox within 4 business days". I was recharged the unauthoized vendor charge since that point and am now over my credit limit because of this. I called back today and was told that it will take another 10 business days to get the letter. I asked to talk to a supervisor and the supervisor was told by a female agent who transfered me that she had already redisputed the charge. The supervisor stayed on the line with me while I was transfered back to the disputes department again and I was told with her on the line that the female dispute agent lied to the supervisor about fixing in for me and it's still a pending dispute. I am so frustrated with the situation I am about ready to just close the account and tell everyone I know to stop banking with your company too! The disputes people are totally rude and don't give out accuate infromation even to the reps in their company. I am feed up with being blown off and told to "just be paient" or "argueing will not change anything mama". These people are supposed to be helping the customers not like idots and lying to them. My credit is being negatively effected by this because my card is now over limit thanks to this. Come tax season I am paying off this card and Capital One will no longer be "what's in my wallet". This company has the worst customer service I have ever experianced in my life! Never get a card with them they are horrible!
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#209457 Review #209457 is a subjective opinion of poster.

Capital One in Charlotte, North Carolina - Capital will not let me access my online account.

I have been a Capital One customer for many years.I do ALL of my business, payments and updating my credit cards on my account on-line. From time to time when I try to log in, Capital One will block my account access and not let me in my own freeaking account. When you call to explan your comcern, you in up talking to someone you CANNOT understand!!! That is just *** If they want to continue my business leave my account alone and since they wont let my pay for my bills............I'll let them pay for it! Jerks!
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#208960 Review #208960 is a subjective opinion of poster.

Capital One

I got a capital one card to rebuild credit. Started out ok, then i was wracked by all these so called maintaince fees. Finally, I stopped using the card, and paying it down. But alas their fing wallets were not large enough that right before my wedding they claimed I said to close the card and closed the card on me. I used to work for a call center for Capital One. #1 you cannot close the card with out the customer on the phone and acceptance. They closed it and after going through 4 supervisors/ so called managers. Still unresolved. Now In collections..I am resolving it. If your thinking of a cap one card..don't look else where...what's in your wallet? more of your money out of their hands.
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#208576 Review #208576 is a subjective opinion of poster.
I recently opened a Capital One InterestPlus Online Savings account! I elected to have my initial deposit funding my electronic transfer from my bank account. Everything was going fine until I get a call a couple days later saying they couldn't verify my identity. ...
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#208119 Review #208119 is a subjective opinion of poster.
I opened an InterestPlus Savings account with Capital One online. They called and said they could not verify me and require me to fax them ID card, SS# and utility statement. But then I found out they have already took my money which I transferred from my other bank....
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4 comments
Anonymous
#262410

They recently told me they could not "locate" 5figures of my passbook balance. Said my passbook did not match their computers. I am currently still at war with them to find my vanished balance!

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#207301 Review #207301 is a subjective opinion of poster.

Capital One in Menomonee Falls, Wisconsin - They did so many things wrong, they lied and decieved

We are small business owners in the construction field light commercial mason company, at the end of spring things were very scary and being with capital one for 10 years i thought the right thing to do was call and let them know what is going on just in case, well doing the right thing really can ***, we have been locked out of are account for 6 months they won't give us access. On aug 10th are real scary month i made to payment over the phone for aug and sept but instead we sent them 4000.00 my husband was in the middle of doing a line of credit for are company on aug 18th we called capital one to see if we could use one of the checks they sent us for 3000.00 i was told yes there was no problem but we also confronted them that the company for the line of credit said they had reported us over 30 days for aug the supervisor said to give him 3 days to check and he would get back to us which he never did but on aug 24 my bank called and informed me they sent the check back draining are checking an savings account and in the whole thousands, on aug 25th my bank and i called them the bank manager talked with a supervisor and she said it was a mistake and to take another check it's good no problems and make it for 3500.00 on aug 31st my bank called again they sent the check back again, this time we were hit with late fee's returned fee's again and nobody would do anything they really broke us i'm 100% disabled and no money for my meds, food, they turned off my electric cause i was on a plan i had 5days to come up with 700.00. The worst was we were declined the line of credit, we did receive a letter dated sept 13th that they let the credit company's know but it take about 60 days to come off no one will touch us now I'm leaving a lot out but it has been *** i have called to try and work this out and nothen but they had the nerve to call for my oct payment. They have gotten very sloppy in there notes when you call and it says your being recorded they don't but they have no idea the letters they sent me and i am looking for an attorney and i am going to bury them they expected us to eat all the bank fee's late fee's i still can't even get a amount to what we lost but I'm going for breach of contract 2x's they gave us permission to use the checks and didn't honor, defamation, fair credit reporting act. If anyone of you have the chance to do a settlement do it and run otherwise this is what is going to happen to you we were going to do the right thing cause it was are bill and like i said what did it get us
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#207206 Review #207206 is a subjective opinion of poster.