Capital One
Reviews and Complaints

My payments are due on the 14th of the month. I send my checks out on the 3rd of the month. My checking account was hacked in December. My bank called told them to run their check again it would be honored: they never did. 12/8 returned pyt $30. 12/14 $25 past due fee. 1/10 pyt. 1/15 $35 past due fee. Told to pay $84.82 no explanation why I said send in $38.27. $35 fees charged. 2/15 paid. (seriously wait one day past due date to post payment). 2/14 $35 past due fee. Told to pay $87.82 no explanation why. Fees Charged $35 Again $78.95 no explanation why. In April I called and asked to speak to someone to get this account straighten out. The woman referred me to someone else. She wanted me to go on some kind of program I told her No I just want to straighten out my account tell me what I owe and I'll send a PAID IN FULL check on May 3rd. She told me she would waive the fees and I owed $203.73. On May 4th payment of $203.73 was posted. Got a notice in June saying I still owe them $159.29. Filed a complaint with Consumer Financial Protection Bureau in May. On 6-20 Clinton called left a message I called back he wasn't available and never received another call. Next they send me a copy of all my statements showing what I already knew. Strangely though no one shows a record of me talking to the woman in April about paying off the account. (Gee maybe because the woman never entered the data in the first place or deleted it to protect her job). Yet stated I did agree to some program which I told the woman I was NOT interested in I just wanted to pay this account off and be done with it. Now they are saying I owe then over $187.00 for July.

I have been a customer for over a decade (joined through ING direct). I decided to open my son a MONEY account to teach him about money at a very early age. It was perfect. Now that he is 16, he has had the account for several years now. On June 20, 2018, his account has been restricted. I woke up and checked his account and noticed 2 deposits for over $900. I called Capital One fraud immediately. It appears that the deposits were mobile deposits, but the checks came from what appears to be a fake company out of Loveland, CO. The signature on the checks were signed with someone's penmanship.

What bothers me is that I had to look up all this information on my own. Capital One's investigation went as far as someone stating that my son MUST have giving someone his phone and/or sign in info. "it's not possible for this to be hacked". Today is July 13th and the company's only decision was to end their relationship with my son's account. I followed up several times and got the same response.

The response is unacceptable! I would like to know the following:

*Did anyone look up the IP address on the phone that was used to deposit the checks?
*Why are the checks showing in his account as cashed?
*Who at MAYATEK made the deposit?
*Was this compared to his history of deposits? Does it seem odd?
*Should I move all four of my accounts due to this incident?
*Is this something I should present to Michael Johnson (CISO Capital One Financial, Washington DC?

Desired resolution: We've had his account open for several years now, I'd like for the bank to stop payment on the checks, close that particular account and open another. It's especially critical now that he can work full time. For sake, HE WAS HACKED! Why is he being punished?

I'm really trying to avoid going to social media, so please help.

I had applied for a loan to consultative my credit card bills. So I provided the company advance America with all my personal information. I was faxed a letter on a letterhead (copy can be faxed) explaining interest rate.
I have 10 pages of text regarding paying my credit cards off. They started pay my credit cards and I called and said why are you paying these bills and I did not sign anything, I was told this is how they do business. The weekend of 6/9/18, I got a call from Target saying if I had just called, I said no, because I am at my mother's anniversary of her death so, I asked if I can call back. The I got a call from Merrick Bank if I had purchased a airline ticket I said no, so they transferred me to the fraud department.
I started looking for the stuff they had texted me and called the Advance America company. To my surprised the young lady I spoked to told me they are not licensed to do business in New Jersey. She further stated for me to call my bank and close my account and to call the FTC and file a complaint, which I did both the same day. Then I started calling my credit cards company to advise them of my problem. Then I found out they paid and then pull the payment out. Some they purchased a card, I was scammed and I can't believe I was stupid to believe them. Recently I received a text from Apple that I purchased a MacBook for 1900.00 ( I have a copy of text). I have called the three credit companies and I will be flagged if anyone checked my credit.
I have been flagged once.
I am on disability and I would not have 2300.00 to pay capital one, so after calling and explaining what had happened and the account was closed and a new one sent to me, I found out From a customer service representative that the account is closed because of what I did with the payment. I don't have that amount of money to pay any bill, but I did pay amount that's due every month.
I spoke to my niece who's an attorney and she told I should not be penalize for something someone did, and she advise to file a complaint with the B.B. and another with FTC, which I will be doing today also.

I am writing because I am beyond pissed off with Capital One! I made a payment on July 2 @1 am which processed the next day. My due date is July 2 so I thought I was ok. Next thing I knew I was given a $38.00 late fee on a $55.00 payment. This is BEYOND ridiculous! Not only do I have/had credit cards with Capital One, my car is also financed through Capital One. I am thinking about canceling everything and spreading the negative word about Capital One if this late fee is not waived!

I applied for and was accepted for Capital One credit card. I did everything that was required of me including sending the money switch you required to open my account. Then I had to go to the post office to pick up some form or something. I recently lost my wallet which contain all of my ID when I went to the post office they wouldn't give me whatever you sent because I didn't have proper ID. I forwarded the monies that you requested to open this account and you received them. Is my opinion that the card should have just been sent to me as you have the money he required I don't know why I had to go to the post office to pick something up or whatever. I met all the requirements that you requested and so I don't see why the card could not have just been forwarded to me I am requesting to have my account reinstated and the Capital One card sent directly to me and my address on Lorne Avenue I don't see why it wasn't sent to me anyways because I sent you the money as you want I did everything that I had to do and unfortunately then I lost all my ID. I don't understand why you would nots end that card to me once you receive my money's. no one is going to put money on account if it's not theirs so I'm asking you to forward my card as soon as possible . I'm looking forward to having a long relationship with Capital One

6/22/2018
To whom it may concern:
I have been a loyal customer with capital one for more than ten year and I thought that your company believed in its mission. Capital one states that it helps "people live their best lives." I trust that your company would deliver on these values and I used your credit card as a way to gain travel miles so that I live my "best life". I trusted that I could book my vacations with the points that I earned from money that I spent, but I learned that this is false.
On 2/16/2018, I booked a flight from san diego to denver utilizing my miles and then paying the difference (see attached email).
On 6/8/2018, I took my flight from san diego to denver (as expected), without any difficulties. However, on 6/10/2018, I arrived at the airport in denver to fly back home, and my flight information could not be found in the automated machines operated by frontier airlines. At that point, I waited in line to speak with a representative with frontier; they explained to me that my flight had been changed from 4:45 pm to 8:45 am and that I had missed my flight. I spent over an hour speaking to a manger, with frontier, and was told that frontier had notified capital one (since this was the contact information they had), and that it was capital one's responsibility to notify me. The original flight that I booked on your website never existed. Additionally, I was not notified of any changes pertaining to my trip.
I then called capital one and spoke with the travel department. From the beginning, the supervisor on the phone was not accommodating and did not take any responsibility for the mistake your company had made. The supervisor insisted that capital one had left me a voicemail on 3/1/2018 that explained that my flight had been changed. I have visual voicemail and all of my messages are saved; this call was never made to me, and I was never notified. An email was not even sent with any new flight information and nothing was confirmed with me. I explained this to the supervisor, several times, that I needed a way back home to los angeles, as my fiancé was recently diagnosed with cancer, and his caregiver would not be available the following day. The travel supervisor did not accommodate me in any way, and was not even capable to display empathy. Despite requesting assistance several times, your company refused to acknowledge any sort of mistake, and would not even book my flight back home.
On 6/10/2018, I ended up having to pay, almost $400 (out of pocked) for a flight back home to san diego - (see attached email). It is outrageous that I ended up spending this money. If I had booked this flight through south west in february it would have cost me less than what I spent to use my miles and then pay this out of pocket.
On 6/11/2018, when I returned home, I called capital one, and once again was placed on hold for over an hour, before speaking to a supervisor from your travel department. Once again, your travel department supervisor refused to listen and insisted that capital one had notified me about the change of flight. Again, nobody called me or even sent a confirmation email, and this is simply not true. This travel supervisor explained that he would transfer me to another supervisor in service who had more information regarding automated voicemails. I was then transferred to an agent that stated that his name was lee and that his employee id was "al." I had a feeling this information was not correct and asked for verification several times, but he stated that this was the correct information. It was evident that "lee" wanted to get off the phone with me; he asked me what I wanted. I told him that I was requesting a statement credit of $400 to reimburse the money that I spent on my southwest flight. He quickly stated that he would do this and that it would take two billing cycles to see this reflected on my bill, and he then got off the phone.
Several days later, I started to feel like this statement credit would probably not happen. On 6/19/2018, I called customer service, again. I was transferred from one department to the next, (first I spoke with brittany / agent # bsj382) and finally spoke with corey from the travel department). When I did this, I immediately realized that I had been lied to. "lee" had provided me a fake agent id number and incorrect information. On my account, there was no information about a $400 credit for the flight that I paid for. Corey was rude, refused to listen to me, and just once again stated that I was wrong and that capital one was reimbursing me my mileage and the original $139 I had spent on the flight to denver. Although this is a good, first step, corey did not acknowledge anything I said and refused to listen. The $139 does not cover the $400 I was forced to pay to get back home. Additionally, nobody addressed the fact that an employee had falsely identified himself and flat out lied to me about a statement credit. Please note, as of 6/22/2018, I have not received any credit to my account including the air miles.

This entire experience has been time consuming and expensive. I am outraged that capital one has refused to acknowledge any responsibility. It could have easily been resolved on 6/10/2018. Your company has an abundance of resources and could have simply booked and paid for me to get on another flight. There is no excuse. This treatment is simply unacceptable and does not reflect the goals and mission that you state you hold. While speaking to several supervisors, I found that they consistently provided poor customer service; your managers lack training, empathy, and misrepresent themselves fraudulently. This treatment is unethical and requires immediate attention. I am requesting that the money that I spent to pay for my flight back home is reimbursed - in full, since it is your company that failed to provide the service that I paid for.

Sincerely,
[removed]
xxxxxxxxxx @gmail.com

Air confirmation: tm4rk6 confirmation date: 06/10/2018

Passenger(s) rapid rewards # ticket # expiration est. Points earned

[removed] join or add #
[protected] jun 10, 2019 3198

Rapid rewards points earned are only estimates. Not a member - visit southwest.com/rapidrewards and sign up today!

Date flight departure/arrival

Sun jun 10 4528 depart denver, co (den) on southwest airlines at 07:45 pm
Arrive in san diego, ca (san) at 09:00 pm
Travel time 2 hrs 15 mins
Anytime

Cost and payment summary

Air - tm4rk6

Base fare $ 319.80
U.S. Transportation tax $ 23.99
U.S. 9/11 security fee $ 5.60
U.S. Flight segment tax $ 4.10
U.S. Passenger facility chg $ 4.50
Total air cost $ 357.99
Payment information
Payment type: discover xxxxxxxxxxxx0145
Date: jun 10, 2018
Payment amount: $357.99

I have a CD with Capital One. I called your legal department today and asked for a beneficiary form and spoke with Colton Hanson. Mr Hanson stated he would send me "Form 4" via email. I then asked if he would check to see that my wife was on the CD as co-owner. He did not know the answer and put me on hold for about 10 minutes. Someone then came on the phone and asked me how he could help. I couldn't believe it, one hold for 10 minutes and now I have to go through the whole thing again. I was too frustrated to continue the conversation and hung up. I got online and noticed Colton Hanson has sent me an email with an attachment but nowhere could I find the "Form 4" he eluded to. So this is the competent company I parked all my money in? Very scary.
Roland J Webster

I find it quite disturbing and offensive to continuously receive letters several per week from capital one saying that I am pre approved for these cards and I apply only to be denied I acknowledged that my credit history is poor but I am trying to do what I can to fix this problem. I don't feel that these companies should be sending people advertising claiming that you are pre approved for something that in all reality you are not. How is this going to affect my credit history.

Called customer service on 5/29/18 to ask about interest charges in which I did not understand, the first person I spoke with I had a hard time understanding her, I asked to be transferred to someone else which I was. The next lady was very nice and helpful until I was disconnected. I called back and was speaking to a male and explaining the situation when he said well I don't really know because I'm not that good with numbers. That concerned me so I asked to speak to someone higher up. I was transferred to a very rude and unprofessional person named Steve (6652). I was appalled at the way I was treated by Steve ( at this point, Steve was the 4th person that I spoke with and I was already very frustrated).I asked to talk to someone higher than Steve and he said that is not possible I'm the highest you can go. I have been a member of Capital One for approximately for 13 years with good standing with your company. At this point I will be keeping my Capital One account (due to points accumulated) opened but will not be using it due to the incompetent service I received. I will be receiving my new cards from Chase freedom within a week and plan on using them in place of the Capital One card. It's to bad that this situation happened because I was happy and even recommended Capital One to several friends and family members, But the way I was treated by the highest person in customer service as Steve, I can not even fathom dealing with this company. Thank you for your time. Kevin

I receive a statement from capital one, who I do not have an account with, and have not applied for this credit. The statement it's self looks fake, I called the number, as follows18009557070. It was a call center, out of country, the guy I spoke with was foreign. He had the nerve to ask for my ss#, I used very strong language with him and advised him to cancel any and all fraudulent information on me. I'm not sure what else to do, i've never had this problem before. Please help!

Please help resolve the below!

Second Request:

As I am sure you can understand, I am very disappointed by the news that I received today stating that the TWO late entries on my credit report would remain. Taking into account that I disagree with these entries, I have no other choice but to desperately yet rightfully, dispute the negative entries, on the basis of an obvious system error and at this point unreasonable procedures. I respectfully request that Capitol One promptly remove the TWO late payments on my credit report and swiftly submit this info to each Credit Bureau.

As you can see in your records, I am a long-term and loyal customer of Capital One and through no fault of my own, I have TWO late entries marked on my credit report. As I explained, I called in and made these payments. However, because your system has no record, I have to suffer the consequences.

Again: I called in and made the payments as I always do!

In closing, this error has caused me a significant amount of stress and turmoil in multiple areas of my life. I want nothing more than Capitol One to take a loyal customers word and remove the late entries. I simply cannot allow an error that is no fault of my own to destroy my life!

I purchased a Volkswagon Tourag from Auto Brokers in Cobb County, Georgia. The car is financed through Capital One Auto. The car is a lemon. I have had to put so much money into this car and it's still giving me problems. I contacted Capital One to ask for options for payments or trading the car in. I was placed on a hardship program and was making payments. Capital One still marked my credit as late (messed up my credit). Also, I purchased this car in 2012 for $16, 000. According to them, I still owe $6, 600. Unbelievable! This is a rip off. I'd like to be reimbursed and to have the late pays taken off of my credit report...Immediately!

I made a cash deposit into the Capital One ATM and the machine malfunctioned and did not provide a receipt. The deposit was for $1, 500 needed to pay my mortgage. Capital One claim that the ATM balanced and has refused to do any other investigation. As a result, I have lost my money. I provided them with proof of where the money originated, description, date, time, etc. Capital One insist that the ATM balanced and that is the extent of their investigation. So I'm left with trying to figure out how to make up for my lost funds. The customer service was the worst for fraud. I was never given a contact until I sent a complaint via BBB. I want to warn customers to do not open an account with Capital one and especially do not make cash deposits to their machines. There are no brick and mortar banks in Central VA so you are forced to use the machines. I think they rely on the machines defaulting so that your money is lost. They have camera's on the ATMs but will only use them for their advantage — not to help the customer.

It was in the understanding that Capital One would remove my lates if I paid them half of the monies and stay current which I have since this has happened. Now they are going back on there word and not removing the lates. In April 2017 I spoke to a representative and she stated that she would do this since I told her that I wanted to better my credit and fix what was wrong or else I would of just let them close it out. After calling several times each representative stated that she should of never of promised this to me which at the time I had no clue that she could not make this possible. Capital one states that they will not remove it and shows what they say is accurate but according to my on line account I have with them some of the times that I was late they never reported or if I wasn't late they would charge me a late payment.
To Whom It May Concern:
I have been a loyal card member of Capital One for 2 years and couldn't be happier with my decision to join the Capital One Family. You've always offered some of the most competitive rates and rewards programs.
Unfortunately, in November of 2016 I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in April 2017 to find out what I can do to make my relationship better with Capital One and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privilege's for using the card issued again. The amount that she asked for was $427.00 I believe, I paid half the amount and she stated she would remove the late as long as I made good on my on time payments. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with Capital one. I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and Capital One has only fulfilled half of their agreement with me.
In January, when I pulled my credit I noticed that the late payments were still on there so I call on January 22, 2018 and spoke to Rain which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On February 6, 2018 I received a letter from capital one letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with Brittany (which was a manager) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that Rain proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On February 23, 2018 I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the Capital One Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to Ikey. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now.
So this leads me to contacting you through this letter in hopes that you can help me with what I was promised and see that since I have been making good on my half of the verbal agreement. I would have made sure that I received a letter first before doing such an act in paying but I thought that since I am an honest person that she would and your company would be the same. I feel like I have regained your trust and knowing that since this happened I have not been late on any of my payments that I have with Capital One. I urge you to pull the recordings from said conversations with each representative to verify what was promised.
I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are November 2016- March 2017. I paid in full in April when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that Capital One believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.

Regards,

Kenneth Hiscocks
8957 Grand Emerald Ct
Las Vegas, NV 89149

March 14, 2018
To Whom It May Concern:
In response to the document that Capital one wrote to me stating that my account was correct, I have found some issues with the information. I enclosed the original letter where Capital one stated that the information was correct but when I went on my account on line I found other issues and I have enclosed the reports that I have found on my account. The dates that were stated were late was august 30 days, November 30 days, December 60 days, January 90 days, February 120 days, and March 150 days late.
The first proof I have is the 2016 Year end summary. It stats that I was charged late fees for the following months: July, August, October, November, and December. September was cleared up for July and August. October was never reported on my credit so that would make November 30 days and December 60 days. The 2017 year end summary shows no fee was charged for being late in January, February, March and April.
Enclosed is also a paper showing where I paid the April bill that was verbally agreed upon in the amount of @224 which was half the balance due. July 2016 summary shows never late on the credit report but was charged a $25 late charge. September 2016 summary shows I made a payment and that the amount I paid was above the new balance amount that was billed to me. October 2016 summary shows the balance is different from the September 2016. I made a payment in September so I do not understand why I was charged a late fee from the month before. November 2016 summary should be 30 days late and was charged a late fee of $35 not the regular $25. December 2016 summary should be 60 days late and was charged $35, the account was then suspended. January 2017 summary shows that no late payment was issued and the account shows suspended. I believe that if in order for Capital one to report this as being late they should charge me the late fee which they did not for this month. February 2017 summary shows that the account is restricted which I do not understand since it went from suspended to restricted and this month I was not issued the late fee again. I do not understand how Capital one can report late payments to the credit bureaus if they do not charge me a late amount. March 2017 summary shows no late charge, balance is different and it is still restricted. April 2017 summary shows the amount I promised to pay verbally and no restrictions on my card. May 2017 summary shows payments have been made on time, which was agreed upon verbally with the customer service representative. As to this day I have not been late and have made my payments in a timely matter.
I do not understand how Capital one can support these findings since it clearly shows that they sometimes charged me for late fees, sometimes didn't, and also sometimes didn't report me for being late to the credit bureaus. Capital one made my account show suspended then after still not paying switched it to restricted. I owned up to what I did wrong I just hope that Capital one will own up to their representative making me a verbal agreement and remove all the lates off my account. I have showed several documents that are attached that Capital one doesn't report accurate items to credit bureaus.

Please look into this farther and see that I held up on my part of the verbal agreement and Capital one has not and they have different information then I do in my files.

Thank you for your time.

Kenneth Hiscocks

For about a week my local branch has been without ATMs. Imagine in a New York City running to work or running errands not being able to transact because the ATM is out of service. There was no notice of when the problem would be rectified or a reason. I found out today, 1/24/2018 that it not have ATM service until this weekend. That is unacceptable as is. A day or two is convenient but manageable. Not nearly 10 days. And, to make matters worse the service within the branch is poor. I would think that the manager would have the common sense to open the branch a little earlier to accommodate the commuters going to work but no she did not. Then to find her still holding a staff meeting after 9vam when there is a line of customer waiting to conduct business they would have been able to do if the ATMs were operational is ridiculous. Someone should be held accountable. Keep your customers informed. At the very least knowing how long ATM service would be out would have been nice. Good customer service would have been to extend branch hours by 1/2 hour in the morning to accommodate the community. Great customer service would have been doing all that and having extra tellers to manage the morning rush.

On my last Capitalone quicksilver credit card statement I had a balance of $975 and on my Chase Freedom card I had a balance of $6322. I did a balance transfer for $975 to pay my CapOne account. I did a balance transfer for $2822 to Bank of America to reduce my Chase balance since the promotional rate will be expiring by my next statement date. I did another balance transfer from Barclay's Bank for $3, 500 to fully pay off my Chase account. Unfortunately when initiating the Barclay's transfer I put in my CapOne account number. The $3500 arrived yesterday and my current balance is -$3, 500. I spoke to your Customer Resolution Center at 7 am this morning and requested an expedited check issuance or ACH back to my checking account. I pleaded with the person(name unknown) to get someone to authorize a same-day ACH today or issue a check to me and send it via overnight mail( I offered to pay for the service ). Both requests were denied. My attempt to speak to a person with more authority was also denied. I then requested the ACH refund of $3, 500 to be initiated.
I was the Finance DIrector for Fleet Bank Credit Card Services and a CFO of 6 banks over a 30 year banking career. I know how things work.
I am bitterly disappointed in the performance of CapitalOne in not doing anything above and beyond the normal process to make my life easier.
I am not putting account info in this email on purpose, but want a call to [protected] from an Executive of CapOne to discuss this further.
I want better treatment.

Joel Hyman

I am a long time Capital One customer. I have Savings, Checking, Investing, MMA and Credit Card accounts with substantial balances.

I opened a Venture card in April and have spent over $37K in 9 months. I have never been late on a payment and by their own CreditWise metric I have an Excellent credit rating score.

My account was deemed Restricted and I was unable to use my card. I was not adequately informed as to what caused this transaction to occur even after multiple phone calls and inquiries.

I was told to provide a Drivers License, Social Security Card and utility bill for identify verification, which I did the same day requested. My account was then closed permanently, again without explaining what the cause of the issue was or why the documentation I provided was apparently insufficient.

While this customer service and account closure decision was extremely disappointing, the most troublesome issue is the fact the 40, 000 reward miles I've accrued on this account where also seized, and I am unable to redeem or access due to this decision.

I called today 12/28/2017 to discuss a letter that I received explaining the reason for a decline request for a line of increase on my credit card. I was transferred to an escalation dept and spoke with Candance who's the worst employee that I've spoken to since being with Capital one over a few years period. She told me that she couldn't see or discuss the letter with me and demanded that I read the letter to her. I had told her initially when she came on what the letter said in general but she wanted to hear the words verbatim. I had spoken with another rep a few days ago when I first put in the 2nd request online but had not yet received the letter and she was able to see the first letter and we went over it together and I was satisfied with her conversation. However, when I got the second letter which was identical to the first with the same reason, I decided to call back as I had contacted Equifax which was cited as the source and they denied reporting any late payments or recent delinquencies. How is it that I got a letter from Cap One but a staff at capital one cannot see the content? It doesn't make sense & I told her she was lieing and had an ugly attitude; one I'd describe now as condescending . I'd really like someone in management to listen to my conversation with Candace today 12/28 and my conversation with the other staff on 12/26/17 to see the difference in customer service. I strongly believe that she doesn't need to perform any "direct contact" with customers duties. She is NOT representing Capital One's brand. I've read a lot of negative reviews about Capital One and up until today & I've begged to differ. I've Never had a negative experience when calling about my accounts even times when I wasn't happy about an issue. Had she looked at the letter she would have understood my frustration and guided me like her co-worker did previously. Clearly there's a mistake with delinquencies being reported and I'm trying to figure out where it's coming from as I've contacted all 3 bureaus and none seem to have it on file. I'm not interested in the increase line of credit anymore but more so where Cap One is getting this data to render its decision. Sadly, after dealing with Candance today, I'm rethinking continuing my relationship with Cap One.

I have been a customer of capital one for as long as you've been capital one. I am grossly disappointed in the way my account was (Is being handled) with the exception of "tiffany" who I truly hold in high regard. However, following our resolution of a problem, no one seems to understand that and continues to allow "late payment," "past due" calls/e-mails, when — are you ready? — I don't owe you any money!
Tiffany did all she can and she was great.
Today I got a recording (british female voice) telling me to check my account (wth?)
I called to discover that, in a nutshell, capital one is driving a train at 85mph, a curve is coming up with a 30 mph limit and you are not able to stop. I am extremely angry that a public company does not have an ombudsman to respond to the "fell thru the cracks" people and correct idiotic unnecessary problems. A senior manager (Yeah, sure) named "cassie" asked me to re-hash the whole issue. I accommodated and then asked, "okay, now what?" I heard crickets. Then, I called her name, "cassie, cassie, you there? Hello?" she said in a hurried voice completely unfocused and I could tell she had not been listening, "i'm here." I then told her to try to do whatever the h* it is she does, and I would do precisely what it is that I will do. So, nothing is truly (In the purest sense of the word) "resolved." what's in my wallet, you might ask. My own money because I don't owe capital one a penny. By the way the corporation should not have a 3rd party vendor answering the corporate tel line. They don't know the meaning of the word "ombudsman" even though I told her I would define it for her. Holy moley!

This credit card company is a preditor type of company .I Marra Wallace received a preapproved card for a 300$ credit limit . I attached a 2nd card holder and opened up a payment line with an external bank account from bank of America from my 2holder the capital one card used my account holder and I to pay way too many payments and after 5 months I was to receive a line increase that was the card deal if i payed on time for 5 months I would receive an increase . well capital one closed my card off and left it open for payments only . hello how crooked is this 100% crooked well unfortunately my dear friend second card holder passes away leaves me capital one bank refused to reopen my card access and has allowed 24 payments to get pushed back caused my credit score to decline down from 630 to some awful score i want this card account to be reviewed for preditory lending practice with false advertising as well capital one is evil and there must be regulation for disabled and military vets to recover from this type of credit card company abuse