Capital One
Reviews and Complaints

I called to get information regarding my auto loan payment. My car was totaled on 9/9/22. I made the payment the following day, on 9/10/22, even though I had no car and had to get a rental car and payment for insurance. I called today to inquire about not being obligated to make the payment for October due to the car being totaled and the insurance will be paying it off. The representative hung up on me in the middle of me asking a question. I was told that she could not send me anything in writing and that I should just wait until the insurance company pays the car off. Meanwhile, my credit reflects nonpayment for each day that it's not paid off. When I asked what position Capital One is taking regarding me not being obligated to make the payment, the representative hung up on me. It was extremely difficult understating her due to the heavy accent, and I had to ask the representative to slow down and to repeat herself numerous times throughout the call. She had zero reluctance when expressing her impatience by sighing along with long pauses. I have only had a few encounters with the representatives at Capital One because I have paid this account on time for the life of the loan. However, those encounters have been difficult and unpleasant. The language barrier was exhausting and time consuming.

- Booked flights for xmas return on Dec 28, using points.

- Paid an additional $63.00 for the reservation to be refundable/cancelable (not a word)

- Logged on to make a change to the flight due to it now showing a layover. It was originally a direct flight from PDX to PHL on Delta and I HAVE PROOF!

- Spoke to Grey, the top Supervisor (so they say) and was informed if I cancel, I will only receive 80% back. Well, this was NEVER disclosed when I paid the money to make it cancelable/refundable, I told them. This person also said it's in your terms and conditions. NOPE, no mention of 80% is in my terms and conditions. Vague verbiage is there however Capital One Travel is committing Fraud and a switch and bait here by advertising that this can be canceled for a fee and they DO NOT disclose how much you will get back. And NO it's not in my terms and conditions on the ticket. This is what it states:

Terms and Conditions

The option to cancel a flight for any reason purchased through Capital One Travel is subject to the following Terms and Conditions. Availability of this service may vary, and not all services are available to all customers or on all bookings. Capital One Travel may revise these Terms and Conditions at any time by updating this posting.

Some of the services made available through Capital One Travel are offered by Hopper (USA) Inc. and its affiliated companies (“Hopper”). Your use of the services offered by Hopper, and other third-parties that may be linked to from the Sites, will be governed by their respective Terms and Conditions and Privacy Policies.

With Capital One Travel, you may be eligible to purchase the option to cancel your flight purchase for any reason, up to three (3) hours prior to your first scheduled departure, and receive a partial refund from Capital One Travel, as set forth in these terms. You may also be eligible for a travel credit from your respective airline carrier, without purchasing the option to cancel for any reason. The ability to cancel for any reason is subject to the following terms:

Purchases. The option to cancel for any reason with Capital One Travel may only be purchased at the time of booking, and may not be added after the booking. The option to cancel for any reason must be purchased for all passengers on the booking, and for all segments or legs of such booking. Capital One reserves the right to deny purchases of the option for any reason permitted by law (e.g., fraud or misuse).

Non-refundability. The cost of the option to cancel for any reason with Capital One Travel is non-refundable and is only valid for the booking for which the option to cancel for any reason was purchased. The option to cancel for any reason is not transferable and cannot be carried over to any future bookings.

Refund or Credit. By purchasing the option to cancel for any reason, you are eligible to receive a partial refund from Capital One Travel. Prior to purchasing the option to cancel for any reason, your flight may be eligible for a travel credit provided by the respective airline carrier. If eligible, this option will be available to you regardless of whether you purchase the option to cancel for any reason. In that case, however, if you purchased the option to cancel for any reason through Capital One Travel, you will not be charged any additional cancellation or rebooking fees when you use the travel credit from the respective airline carrier to rebook through Capital One Travel. When you exercise the option to cancel for any reason, you will have the option to choose between a partial refund or a travel credit from the airline, if applicable. In the event your underlying flight purchase is serviced by multiple airline carriers, you may be required to contact Capital One Travel at [protected] to exercise your option to cancel for any reason.

Additional Information. For more detailed information regarding your existing cancellation policy from the respective airline carrier, visit the airline’s website.

Coverage. Refunds cover the base fare and related taxes and fees and do not entitle you to a full refund of all trip costs. Any paid add-ons, such as baggage, seat or boarding order selection, and cancel for any reason, are not included in the refund.

Airlines may offer a travel credit for add-ons when the travel credit option is chosen. If offered, such travel credit will be provided separately from the base fare travel credit. Contact the respective airline carrier to inquire about receiving an additional travel credit for the add-ons.

Exercise process. If you have purchased the option to cancel for any reason for a flight purchased through Capital One Travel, you may cancel that purchase by visiting Capital One Travel, navigating to My Trips and selecting the itinerary. No documentation or reason will be required in order to cancel.

Cancellation. Exercising your option to cancel for any reason for any flight in the booking will result in a cancellation of all purchased flights for that traveler for all legs or segments (i.e., outbound and return flights). If multiple travelers are on the flight booking, you can cancel the flight for individual travelers by calling Capital One Travel, or for all passengers by canceling online. Cancellations cannot be reversed.

Exercise window. Except as provided in Section 10 below, you must exercise your purchased flight cancellation through Capital One Travel’s travel booking site or via phone agent at least three (3) hours prior to your first scheduled departure. After this deadline has passed, the option to cancel for any reason will expire and any changes or cancellations to your purchased flight will be subject to the fare rules imposed by the respective airline carrier for your ticket.

Refund. Upon a valid exercise of your option to cancel for any reason, Capital One Travel will refund to you a portion of the flight cost (including taxes and fees), or, if offered by the respective airline carrier for your ticket and you so select, a travel credit, subject to the airline’s terms and conditions.The refund portion is specified upon your purchase of the cancellation option. Reimbursements should be processed within 1-2 billing cycles. If assessed by the respective airline carrier, Capital One Travel will cover any applicable cancellation fees for the travel credit option. Airlines are responsible for fulfilling travel credits.

Exclusions. The option to cancel for any reason does not apply following the earlier of:

a. A cancellation of any flight by an airline carrier for any reason, including the result of a force majeure event;

b. Any voluntarily cancellation or change requested by you directly with any airline, or, if applicable, through Capital One Travel’s rapid rebooking service, of any tickets subject to the cancel for any reason;

c. A declaration of an “emergency” or similar “extraordinary measures” taken by any governmental authority in the destination city, region, or country of your Capital One Travel trip, or issuance of a Safety and Security Alert by the United States Department of State or a Travel Health Notice Warning by the United States Centers for Disease Control and Prevention (CDC) for such destination; or

d. A designation by the World Health Organization (WHO) that the destination city, country, or region of your trip is at risk from COVID-19.

In the event of such cancellation, or declaration of emergency, alert, notice, designation, or other similar government action, your option to cancel for any reason shall expire immediately and a refund of your Capital One Travel purchase will be subject to the fare rules imposed by the respective airline carrier for your ticket.

Travel Credit. When elected, you will be provided a travel credit subject to the terms and conditions of the respective airline carrier. Travel credit restrictions can include limitations to availability, flight routes, and passengers. A full description of terms and conditions can be found on the respective airline carrier’s website.

Refund Reductions. If you purchased the option to cancel for any reason from a price you froze through Capital One Travel, the cost of your cancel for any reason option, and the amount of any refund in the event you elect to cancel, will be based on the final price you paid for your frozen flight. Similarly, if you received a price drop protection refund after purchasing the flight subject to the option to cancel for any reason, the amount of any refund in the event you elect to cancel will be reduced by the amount of the price drop protection refund you previously received.

Modifications. If your purchased Capital One Travel trip has been modified at your request after booking, the “cancel for any reason” will apply only to the original amount of the purchased trip. Certain modifications, such as changes to a passenger name or changes not applicable to all passengers on a multi-passenger booking, may require that you contact Capital One Travel at [protected] in order to exercise your option to cancel for any reason.

Not insurance. The option to cancel your flight purchase for any reason ensures that the respective airline carrier’s tickets purchased on the Sites can be canceled for any reason without incurring additional fees. Capital One Travel provides its customers with this option to provide a more seamless and flexible experience for travel booked through the Sites. The option to cancel for any reason and the related terms and conditions are not intended to constitute an offer to insure, do not constitute insurance or an insurance contract, and do not take the place of insurance obtained or obtainable by you.

Contact. For any questions, please contact Capital One Travel at [protected].

A consumer MUST be informed of what charges they will incur prior to agreeing to anything!

Then I went onto the website and under the Cancel for any reason this pops up! I was not informed prior to paying the $63 for this feature? Well I can't attach the proof I have so that makes this really hard to detail?

Capital one is misleading travel consumers big time. All this Grey person did was argue with me.

Also the refundable fee, it was not explained that it was only on Delta? Really?

ANother item is also false advertising because you will be looking at flights and they want you to lock in a price. So let's say it's American Air or Delta and you say okay I would like to freeze that. You do and then they send you Spirit airlines crap. It's not okay to mislead consumers like this travel dept is. It's a scam and it's fraud

I am nearly 60 with a credit rating over 800 and have had a CapOne CC for many years. I use it daily as my first form of payment. I just provide that to let you know that this complaint is not facetious.

Over the past month or two have experienced multiple "Card Declined" issues at businesses that I frequent often. For example, every week I spend $80 to $200 at Walmart or buy a pizza at Dominoes.

The first time my card was declined, I was in another state that I visit annually and buying groceries at a store. OK. I get that particular red flag.

The remaining occurrences have been at Walmart within 10 miles of my home for typical amounts. The first couple, I got the test and email asking if the purchase was valid. Of course, this was after several payment attempts and embarrassment each time.

Today was again at my usual Walmart for an amount of $145. I just called customer support and was connected with a fraud "specialist". They needed to confirm this and two other transactions on my account over the past month. A Dominoes' charge of $13 and a Home Depot charge of $19. All of stores are within 5 miles of my home! The specialist said that I shouldn't have any more trouble since we cleared the "questionable" transactions. I was not able to get any particular communication escalated through the specialist

I'm logging this review because I want CapOne Fraud to know that something is wrong with their algorithm and it needs to be addressed.

This is a copy of my email to Capital One requesting an investigation. Mr. Newkirk is head of small business credit card division. I have not received any correspondence since sending it, not even an email confirming receipt of it. Since I hadn't heard back, I sent a copy to Richard Fairbank, the founder & CEO of Capital One. No confirmation of receipt once again.

Allan Kalish

Mon, Sep 19, 5:15 PM

to chris.newkirk

9/19/2022

Re: Dispute - Case number: [protected] and Case number: [protected]

Dear Mr. Newkirk:

For the brief version . . . following my original dispute for $140- emanating @ this time from a current statement, & for which the dispute was made timely, your representative, Ms. Ashanti, ID #OST986, had me change the disputed amount to the initial $192- because this was the actual total of the credit generated from the initial purchase. Ms. Ashanti failed to disclose how by doing this, it would result in a negative outcome as it all began so long ago. We shouldn't have to be burdened for being mislead by one of your seasoned staff members.

For the longer version . . .my husband, Allan, purchased 2 tickets for $192- from Sunrise Theatre to see musician/composer, David Foster & authorized Sunrise Theatre to charge $192- to our Capital One Mastercard. The show was cancelled; Mr. Foster required heart surgery & needed time to recover. When we were notified it was rescheduled many months later, Allan called the box office with the full understanding that Sunrise Theatre would use our credit to cover the cost of the tickets. Instead, I discovered our Capital One credit card was charged a 2nd time & without our authorization.

Allan called the merchant however he was refused a refund. The representative suggested he use the credit towards a future performance. Although he wasn't too happy with this response, he purchased tickets sometime later for another performance & insisted on using our credit as they indicated they would, they charged our credit card a 3rd time. (It became a pattern & the approach they used to force us to keep purchasing tickets for more & more performances). After I saw the charges on our statement, I spoke directly with the box office manager. I was given the exact same response that Allan received & realized we're being taken advantage of by this merchant's unethical business practices. I complained to the manager that Allan followed these exact instructions which hadn't worked & resulted in unauthorized charges. I then insisted on being sent something in writing. The box office manager proceeded to send us an email admitting to the unethical conduct. Now that I had the supporting documentation necessary, I felt it was time to dispute the current $140- charge & immediately contacted Capital One to report it. Under the Fair Credit Billing Act (FCBA) settlement procedures, unauthorized charges are the reason listed which apply here. I cooperated fully & provided Capital One with all documents as requested.

I called to follow up & on 5/14/2022, I spoke with your representative, Ashanti, ID #OST986, who encouraged me to change the disputed amount to the initial $192- as this was the actual total of the credit emanating from the initial purchase, although Ashanti failed to disclose how by doing this, it would result in a negative outcome (the initial purchase was made about a year prior). I recall saying that I wasn't aware I could go back so long ago to dispute the initial amount however she misled me to believe this could be done & indicated she had assigned a different/new case number to the dispute. I called again to follow up & was told the merchant hadn't responded & by this time it more than likely meant they weren't going to & I could most likely expect to receive a favorable final letter shortly. Again I followed up earlier this month & the representative requested I resend documents (this was the 3rd or 4th time I submitted the same items & I have kept receipts & confirmations of when I mailed & faxed documents). Thereafter, I did request to speak with a supervisor or two again. I certainly wasn't pleased with being told after all this time passed that it's been denied due to the amount of time that had lapsed from the initial purchase & told I should go back to work it out with the merchant. As I thought it was unusual that the Capital One representatives were requesting I resend the same information over & over again, that perhaps they were the ones who were delaying on purpose only to be able to deny it. And, why hadn't any other Capital One representative tell me I couldn't expect anything from the initial charges due to the original date of the charges?

It's also evidenced that our attempts to approach the merchant wasn't successful; hence the reason for the dispute in the first place.

Based on the inappropriate guidance by Ms. Ashanti, why should I bear the burden for her misguidance or lack of knowledge? Maybe it's mismanagement or a lack of training, but I have no control over this. This is costing me even more time to bring it to your attention. Credit Card protection shields us against liability for unauthorized use of our credit card. I sent the email from the merchant at least 3 times wherein she admitted fault.

I'm requesting your assistance in resolving this matter as it wasn't handled properly; there otherwise would've been a favorable outcome.

This is my good faith attempt to reach an amicable resolution & I thank you for your time & consideration with doing so.

Sharon Kalish

To begin with I have been working in the UAE since march of this year. On July 15th I was charged a 19 dollar annual membership fee from Capital One for a credit card. I was not aware of this charge until 3 months later when the late charges had accumulated to 77 dollars via my normal email that I've had for the last 20 years. I have not used this card in literally years So I contacted them the next day to resolve the issue to which they said nothing could be done. That's their prerogative. So I paid the fee closed my account and assumed that was the end of it. Then the next week my credit score dropped 63 points only to find out it was because capital one filed some deragatory filing against my credit. So the complaint is if they had the ability to contact me three months into this why didn't they contact me the first month? I didn't have a 800 Plus credit score by accident. So I'm asking for this deragatory filing against my credit to be removed.

Thank you,

Jay

James Pifer

Walmart refunded my checking account at Capital One Bank. 72 hours before today's date.

Capital One bank hasn't issued the refunded total. I spoke with a CSR and a claims department supervisor. I was informed that it was Walmart that only refined half the amount.

Walmart stated they sent the refund to the bank. It should have the total amount.

Capital One supervisor named Aberna was aggressive and unprofessional when speaking with her. She over talking and would not allow me the customer to ask questions. She was very dismissive in her reply. She stated she is the highest personnel within Capital One Banking. Furthermore she hang-up on the conversation when I was asking a questions..

Abena has a nasty disposition and should be allowed to speak with customers.

This is the worst experience I have ever had with Capital One Bank.

Capital One Bank is holding my refund; for an unknown explanation.

On 9/27/22 I scheduled a payment from my Credit Union to be made to Captial One through the Captial One app like I have always done. Captial One sent an email to me saying the payment was returned.

Well, I then used their app to try and find out why. Well, they just INSULT you through the app by suggesting you may have had insufficient funds. I have plenty of funds available. FYI: If you look through the Captial One app you'll notice one thing missing... A contact phone number.

Well the Captial One robo-text app tells me it's my bank. I head over to my bank and they show me my account and not to my amazement it shows that Captial One never requested the payment from my bank. Back home I have to do a search on the web just to get a Customer Service number for CAPTIAL ONE.

I call the number. I get a woman that knows the American/English language but can't speak it to well. I explain to her that I scheduled a payment BEFORE the due date but Captial One didn't pull the payment. After a back and forth talk about which month came first September or October, I told her September comes before October but she proceeded to tell me that was incorrect, October before September? Really? All she would say after that was "What can we do for you today.

She, herself told me she could see that I had scheduled the payment on 9/27/22 and that THEY, C A P T I A L O N E had input my bank account number incorrectly. I then informed her that was not my fault that as it happened on their side, it was Captial Ones fault. She said it wasn't. I have 3 different Captial One cards and I have never been late with a payment. I told her to look back through my accounts and she would see that the payments have always been made BEFORE the due date.

I should not have a late fee. My account should not show that I was late paying. She said they would waive the fee but the issue is that my account will still show I had a late payment when I DID NOT HAVE A LATE PAYMENT.

I keep receiving a call from a Michael Jones claiming he's with Capital One Mortgage (Telephone# [protected]) about foreclosing on my mortgage, I know for a fact Capiral One does not handle mortgages anymore because they transferred my account to Rushmore Loan Mgmt 5 years ago.

Please look into this for my Mother, Brenda Marie Hayward. The calling started 10/2/2022. They made 5 calls to her cell.

I have had problem getting an outside bank account connected with the capital one checking account and have tried several times.

Today I called the number on the back of the debit card and the rep was rude, short and at times literally non responsive when I asked questions. Or he would respond with I'm trying to tell you but you are interupting. To which I would reply I need step by step, not the run down since I am doing this while we are on the call.

At some point he told me he would have to end the call because they only stay on calls for 2 minutes, what the hell customer service is that. I spent more time on hold than 2 minutes! Im so upset with this bank.

It would not have come to this I anticipate if it was easier to find an actuall ATM or branch to deposit money, one that is actually convenient or one that doesn't ONLY provide cash withdrawal and balance summaries. SOOO, disappointed in this bank and that last rep was the final straw. To frustrating to try to figure out it's not worth the headache.

I am lawrence castle attoney of law about my client dean williams ending #2707 card number had apply back.Then he is being charge $411.31-$165.00-credit limit $300.00 fee charge

he was told that he will not be charge any fee.We are looking ninto this matter investigation.Legal.Department

information on document file with.Us thank.You.

My client had.No statement by postal.Mail.Any payment owe.

To him please look into matter futher investigation

corporate headquarter look into this account this account is closed reason that the customer.Services told him that

the payment on this account was not vald

October 1, 2022

Capital One Auto Loan

Account # [protected]

Vehicle: [edited]
[edited]

Dear Capital One:

I have several critical issues and problems.

I’ve called your toll free number at least 5 times in the last two months and your staff is not able to help me. Maybe this is too complicated for your junior staff to solve, but I need your help. I require a seasoned, knowledgeable troubleshooter, an expert.

My issues have been going on far too long.

ISSUE #1 – Your Operators Are Not Trained to Handle These Issues

I need a SENIOR, PERFECT ENGLISH SPEAKING person to handle all of these issues. Your operators do no seem to comprehend how to solve my issues. I do not want a person to whom I have to explain over and over again what my problems are.

ISSUE #2 - My Name is Wrong on My Account Info

NOTE the spelling of my name - it’s [edited].

Your records have me as [edited]; which is INCORRECT.

There is NO HYPHEN in my name. Can you change that please?

ISSUE #3 – Cannot Logon to My Account

I have both a Capital One Credit Card and a Capital One Auto Loan. I used to be able to

logon to your website to pay my bills. Now I cannot. I have not been able to for months; ever since I got your auto loan refinance.

Something is wrong with either the data you have for me or the account number, or the name. But I can’t seem to pay online.

I need a SENIOR, PERFECT ENGLISH SPEAKING person to handle this now. I’m getting tired and bored of this.

Issues Continued

ISSUE #4 – Cannot Pay Via Telephone

I’ve called your operators numerous times in the last few months and tried to pay over the phone.

They put me on hold and say “sorry for the inconvenience.” Time and time again they are not able to solve my problem. Time and time again I am tremendously inconvenienced.

I’m put on hold, I’m transferred, I’m told to be patient. Once I was told to call back in two hours because the trouble shooters were not available during work hours.

I’m tired, Capital One.

I just want to pay my bill on time.

ISSUE #4 - Please Remome Any and All Late Fees

As a result of the above, you have charged me late fees.

I’ve tried to pay, but was not able to. MANY TIMES and I just give up.

Please have a SENIOR, PERFECT ENGLISH SPEAKING person to handle all the above issues now and remove my late fees.

My email is [protected]@gmail.com

[edited]
Account # [protected]

Vehicle: [edited]

on july 25,I paid my metropcs phone bill as per usual in person at the store in Anneville Pa. The representative made a simple mistake and entered the incorrect number by one digit. my number is [protected]. The number the person entered was [protected]. This was confirmed on my next visit the following Monday by a different person. I fail to understand how metro chooses to contest this. That has been my only number for quite some time. Also your records will show that i use your card to pay it. Thank you for your attention to this matter. i would like to have the 127.00 refunded.

We now have three incorrect charges on our account. Your second level security system blocks are access to our account online. If we have to wait until we return home to the United States from Italy. These charges will become paid. On September 24 we were double charged $510.37 fo a car rental. On September 20 we were charged twice, for $9.63, for train tickets that we ended up having to pay cash for. The ticket machine was, obviously, malfunctioning. My name is George C Walker III. My email address is [protected]@comcast.net. We could really use your help.

We booked an airline trip from SeaTac Airport, WA to South Korea using Capital One rewards back in May of 2022.

My wife and I arrived at the airport on Wednesday (9/21/22) at 10am. This was 3 hours prior to the scheduled departure time for my wife. When she checked in at the airline counter, she was told that she would have to refile the required Korean Government E-visa as her birthday month was incorrect. They couldn't do anything there to correct it. I went online, using a computer in the airport USO to get a replacement E-Visa. There was a $45.00 charge for the application, which I applied against my Capital One Venture Card ending in 1991. Then, I waited for the approval. At 10:58am I got an Eno Text message from Capital One asking me about attempting to use my credit card for the charge. It also notifying me that it had been declined. I responded back yes, it had been me. I then got a second message to retry it, if declined. I had to start from the beginning again and go through the entire application process to reapply for the E-visa. I did that with another credit card. It kept asking for a passport picture and current picture, as well as other information. This took a great amount of time to obtain. It wouldn't accept the information I had submitted the first time, so it all had to be redone. In the mean time, enough time elapsed that the ticket counter closed, and my wife missed the flight. The final E-visa approval was received at 12:40pm. I am convinced that had the Capital One card not been declined we would have gotten the E-visa in time for my wife to make the flight.

The airline said we would have to contact the booking agent (Capital One Travel) for a flight change. I contacted the travel people, and talked options for over an hour with a Carolina. We re-booked the flight for Friday, 9/23/22 which was the least expensive flight available in a short amount of time. To do this there was a $120 airline change fee as well as $348.10 difference for the new flight ticket for a total of $468.10.

I strongly believe that Capital One should cover the additional expenses, as I'm sure we would have made the original flight and not incurred the fees had the card not been declined.

In this whole process, it has created a large amount of stress on both my wife and me. This also involved driving 4 hours through Seattle traffic and over 200 mile round-trip to the airport and back home as well as parking fees. In addition my wife will loose two days of her time in Korea visiting her 93 year old elderly mother. She hasn't been able to do this sooner due to COVID-19 issues.

I am greatly upset about this whole issue. I have been a Capital One Credit Card user since January 1998 and also have a large amount of money invested in your 360 Savings.

In my opinion, this whole trip (time, money for gas & parking) was wasted energy, and we yet need to do it all over again on the 23rd, because you declined my card.

I had previously checked on your website site about travel notification needs, and it stated that it wasn't necessary to notify you about traveling overseas. Yet, my charge for $45 was declined as the merchant's name for the charge was: KOREAETA.

After a recent 4 day trip to Pittsburg (from Canada):

1) We received email alerts stating 'An international transaction has been charged to your account'. The amounts shown on these transactions did not match anything actually posted to our account!

2) Pittsburg transactions which were actually posted to our account only showed amounts in CAD. Nowhere was there an amount which matched what was shown on my receipt slips or the actual exchange rate used (as was done on previous foreign trips)!

These deficiencies make reconciliations and error/fraud vigilence virtually impossible.

On 9/7/2022 I received my 401K transfer because I started a new job and needed to transfer the funds to my account. I also started a new career on 8/22/2022 and have my payroll check sent to my account. Now my $5000 has been held, hostage by the bank and no one will follow up. It's going on for a month and I am now facing eviction because the bank refuses to release my month for bills paid to the account. I am seeking legal help at this point. Dorthy in the Fraud Protection Dept spoke to me like I was discarded trash on 9/7/2022.

August 2022 - I had previously signed up for paperless billing. In order for that to work, CapitalOne must send me a text or email that my bill is due. This month, I did not receive this alert so I missed the payment date. When I checked the website, I saw that i was charged a $28 late fee and $26 in interest. As soon as I saw that, I paid it off. I did not use the card for the rest of August and September, so I was shocked to see that they charged me another $26 interest after I had already paid the bill off. When I called, the person did not speak clearly in English - must be offshore in India. - so I couldn't understand what they were saying when I asked for an explanation. I would like to have the late fee removed and the 2 interest charges removed.

dear sir

i was the credit card holder of capital one in 2020 which was closed in December 2020.

by mistake send payments to the closed account. by reference # [protected] security account.

1. payment of $200. on 7th, Septembet.2021.

2.payment of $100. on 28th, Febuary.2022.

3. payment of $300. on 15th, September.2022.

all payments are made through cibc bank account # [protected]

payments made by bank reference numbers is as under

1. 273102 dated 7th, september.2021

2. 127782 dated 28th , febuary.2022

3. 116685 dated 15th, september.2022

please look into the closed account and refund the @ $600. to

Hussain Riaz

1557 Harwood Drive

Milton. ON . L9T 5K1

Phone # [protected]

Sunday September 18th 2022 Mary J Blidge concert at the Capitol Arena was an disappointment overall. First I would like to say it was suppose to start at 7p. Doors wasn’t opened to enter on time. We were able to get to our seats after 745p. Show just started with the Artist Queen Nija which I love her songs but wasn’t the actual sound I wanted to here. Second NO ELLA MAI performance was a disappointment because that’s why I bought the tickets to see including Mary. Disappointing to me the sound and the no show Ella Mai. Third Mary I love her Omg 😳 Sound given horrible and the performance she gave was exhausting to see and see her exhausted “lip singing” sound wasn’t great at all and the multiple 15-20 breaks without her singing just a screen playing “unexceptional”. Watching the stage get prepared was the show. Never again will I purchase Capitol One Concert Tickets. This show was an surprise for my fiancé soon to be wife and I was embarrassed to continue the show. Couldn’t swallow the $600 pay.

Greetings, I hope you are well.

For the past two years, I have been building my credit.

In the past I have had late payments (had to buy medication for a sick child))with Capital One. I have written letters and called many times to get a goodwill letter to remove the late payments from 2017 April-August and January 2018. I have not been successful. I have not had any late payments since 2018 and would like to have the late payments removed from my credit report.