State: New York City: New York Product: Capital One Account Clear all filters (7 of 263 reviews match)
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Capital One - Account Review from New York, New York

1.5
Details
I got behind on my capital one card due to an emergency medical situation. I was sent a letter offering a three payment option to bring card current. I called and set up auto payments. I was told that once the third payment was made the account would be current and the card could be used. Following the third payment I called and was to the card is closed and if I wanted a capital one card I needed to apply for a new card. When I questioned this the associate said he was sorry I was given misinformation. I believe that they are trained to say what they did to get the payments made. I believe this is an illegal activity (illegal collection activity)!
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1 comment
Anonymous
#907485

Nope, not illegal. They don't have to keep your account open. And if you stop paying before you zero out your balance, they will sue you and garnish your paycheck.

Review
#563218 Review #563218 is a subjective opinion of poster.
Product
Capital One Account
Reason of review
Problems with payment
Page One Sender: Tarek Elabsy On File Phone: 718-284-2006 On File Zip Code: 11225 Recipient: Richard - ID No. LBS824 Dear Mr. Richard, Based on the phone conversation I had with you yesterday's evening and based on the letter you sent to me on my...
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Review
#445907 Review #445907 is a subjective opinion of poster.
Product
Capital One Account
Loss
$300

CAPITAL ONE WANTS TO KNOW WHATS IN YOUR WALLET

I WAS PAYING A FEW OF MY BILLS ONLINE. SOME AUTOMATICALLY AND SOME MANUALLY.THERE WAS AN ISSUE WITH MY AUTOMATIC PAYMENT TO MY CAR INSURANCE , WHEN THE PAYMENT RAN MY ACCOUNT HAD A NEGATIVE .I IMMEDIATELY WENT TO THE BANK AND MADE THE NECESSARY DEPOSIT TO COVER THE NEGATIVE CHARGE.WHEN I DID SO I NOTICED THAT ANOTHER CHARGE WAS MADE, SO ONCE AGAIN AT THAT TIME I DEPOSITED CASH TO COVER THAT CHARGE. I SPOKE TO A SUPERVISER ABOUT THE CHARGES AND SHE INSISTED THAT I WAS GOING TO BE CHARGED THE INSUFFICIENT AMOUNT OF 35.00 BECAUSE I DID THE TRANSACTION IN THEIR ATM AND THEY HAD NO WAY OF VERIFYING WHAT WAS DEPOSITED,MEAN WHILE THEIR RECEIPT SAYS THAT IT WAS THEY ARE SCAMMERS THAT IS WHY THEY WANT TO KNOW WHATS IN YOUR WALLET SO THEY CAN TAKE IT !!!!!
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1 comment
Anonymous
#507190

First of all, why the ALL CAPS???!!!

Second of all, why do you make payments AT AN ATM? When you could just go into the bank and make a payment, with a record of the payment from the teller? Do people even think anymore?

Review
#329144 Review #329144 is a subjective opinion of poster.
Product
Capital One Account

Decliend for a credit card by Capital One

I had a company credit with Chase so I applied for a credit card with Capital One. I was approved. On September of last year the card I had with Chase was now offered by Capital One. I called to close my Capital One credit card account. I was told that they could not change the credit card I had for the one I wanted. They told me since my credit scores and report were very good I should have no problem getting the new card. I waited for 3 months to make sure my account was reported as closed to the credit Bureau's. I applied for the new card on the Capital One website. They told me they could not take my application over the phone. I was declined. When I received my denial letter the main reason was that I did not use my other open Credit Card from Capital One. Ever since then every time I reapplied for the card I want I get the same denial letter. I have spoken to customer support they told me they could not help me with my denial and even though my credit report shows no credit or other accounts with Capital One they say if the letter says I have an open account with Capital One I must have one.
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1 comment
Anonymous
#343037

I used to work in a call center representing Capital One, in the department known as Acquisitions (which meant I helped sign people up for credit cards). During my time there, I got a few calls similar to your situation, so I'll help explain what I know:

For one, Capital One outsources most (if not all) of its phone-based business to call centers (like the one where I worked). We were even told to lie if asked directly, "Are you working directly for Capital One or for an outsourcing call center," which was just one of the many annoyances I had working there, but I digress. The point here is that being in an outsourcing call center, we are very limited with what information we can access. The department I was in uses a different system than the others, so Acquisitions can't access ANYTHING about your previous or current accounts--we couldn't even transfer you to someone who could, because we were an inbound-only department. All we could do was give you the phone number for Customer Service and tell you to call them.

Now, any phone agent who says they're looking at your credit report or credit score is a liar. Sorry to break it to you, but it's true--some people in call centers will say anything just to get a sale, which is major BS. It's emphasized by our supervisors and trainers that we're not credit counselors and we can't tell customers how signing up for a credit card, closing a credit card, using a credit card, or anything else may affect the customer's credit.

That being said, that doesn't mean that many of us never learned a thing or two about the basics of how credit works. The letter you're getting likely means that the account you had with Capital One before--the one you closed--wasn't used enough for Capital One to warrant opening up a new line of credit for you. The reason behind this goes something like this: When you open up a credit card, your credit line is essentially a loan. Being a financial institution, Capital One has to pay certain business taxes on every loan they give out. They earn that tax money back plus profit based on the APR and fees associated with the account. So, if a customer gets a credit card and never uses it, then Capital One is paying taxes on a loan that isn't seeing any returns--it's just a bad investment for the business.

It's possible that your misreading the letter and it's talking about your closed account--not one that they're saying is still open--because they will still have records of your history as a customer with them even if the account(s) are closed. Of course, it's also possible that Capital One is messing up and still thinks your account there is open for some reason, because when you serve hundreds of thousands (if not millions) of clients, you're bound to run into some clerical errors here and there because of some oversight by some personnel somewhere in the corporation. It sucks, but it's a reality of business.

My best advice to you is to find a reliable credit counselor or financial adviser and see what other options you may have. Continuing to reapply for the same card over and over again after you keep getting denied may be hurting your credit, and I can guarantee you that if you try to apply for a Capital One card within 45 days of having filed another card application with them, it will be automatically denied.

Hope this has been helpful.

Review
#252458 Review #252458 is a subjective opinion of poster.
Product
Capital One Account

Capital One

THE WORST experience ever with the Capital One - that should be in their add. They really tyrannize people with the rates and fees and charges, when people really didn't deserve it. I've heard thousands of stories from "black mailing" when they send 10 letters per day with proposals to open the account to the story when people having troubles closing that account. The customer service is really awful and hopeless! to reach out to them is another story...There is NO WAY you can reach the right person to talk to or the person to talk to at all, cuz everything is just *** machine, which has the goal to *** you off so you hang up the phone and give up with whatever idea you had...It is disgusting and to go back in time, i would never even look that way where the bank is...the only reason i did was to start the credit as i'm not american. well, i guess for that you have to suffer! Anyone who wants to open an account, think twice, or actually 3 times...and my suggestion: run away as fast as possible so you want get yourself a headache for many days to come....
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Review
#181311 Review #181311 is a subjective opinion of poster.
Product
Capital One Account
Because it has a a very low credit limit, I use a Capital One credit card for Internet purchases (about $20/month on average) so as to isolate my Internet purchases from my main accounts. Recently I inadvertently made a $5000 mortgage payment to my Capital One Credit...
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1 comment
Anonymous
#302259

Did you ever get your refund? We recently made a similar mistake (double-payment) and was wondering if there was something that you did that got Capital One to make the refund. Thanks.

Review
#141157 Review #141157 is a subjective opinion of poster.
Product
Capital One Account
capital one bank has no clue - their customer service people told me incorrect information for over two weeks on four separate occasions. They held my money and did not give me interest on it for those two weeks and then told me they could not accept the check becasue...
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5 comments
Anonymous
#582269

Tried to get time sensitive documents notarized. I was told.they will.not notarize powers of attorney, trusts or refi docs.

Great what else is there?

Then called cust service to ask what the rules where exactly and was told "you have called customer service, you need to ask your branch manager" Huh????? Great answer I know so much mote now.

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Review
#121167 Review #121167 is a subjective opinion of poster.
Product
Capital One Account
Loss
$1

Contact Capital One Customer Service

Mailing Address:
Capital One Financial Corporation
15000 Capital One Dr
Richmond, Virginia 23238-1119
United States
Phone:
(800) 955-7070
All Capital One Contacts

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