Capital One
Reviews and Complaints

Re: Dispute of Late Payment Reporting on Auto Loan Account #[protected]

I am writing this letter to formally dispute the late payment reporting on my auto loan account, #[protected], with Capital One. This account was included in my bankruptcy case, #19-70525-grs, which was duly processed and finalized in accordance with all legal procedures. I believe that Capital One's ongoing reporting of late payments to the credit bureaus is in direct violation of the Fair Credit Reporting Act (FCRA) and requires immediate correction.

I am aware that the FCRA mandates accurate and fair reporting of credit information by creditors, ensuring that consumers' credit histories remain free from erroneous and misleading data. According to my understanding of the FCRA, any information regarding an account included in a bankruptcy proceeding should reflect the account's discharged status. In light of this, I was alarmed to discover that Capital One has continued to report late payments on the aforementioned auto loan account, despite the discharge of the debt through the bankruptcy process. This has caused receiving a mortgage, reasonable credit card rates, and vehicle loans due to the false reporting of late payments.

I kindly request that Capital One promptly take the necessary steps to rectify this situation. Specifically, I request the following actions:

Immediate Removal of Late Payments: I request that Capital One promptly remove any and all late payment entries associated with the auto loan account #[protected] from my credit reports.

Accurate Account Status Reporting: I further request that Capital One update the account status on my credit reports to accurately reflect the account's discharge through bankruptcy case #19-70525-grs.

Written Confirmation: I kindly request written confirmation from Capital One once the necessary corrections have been made. This confirmation should specify the exact date of the corrections and any further actions taken to ensure the accurate reporting of my credit history.

I believe that resolving this matter promptly and in compliance with the FCRA is in the best interest of both parties. Failure to address this dispute in a timely and appropriate manner may necessitate further legal action to ensure that my rights under the FCRA are fully protected.

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute. Should you have any questions or require further information, please do not hesitate to contact me at [protected] or [protected]@gmail.com. Kindly respond to this dispute within 30 days of receiving this letter, as stipulated by the FCRA.

Dear complaints board, please assist me with Capital One trying to tell me which type of funds I can use to pay my bill. This is insane! Cash is cash if I pay by debit or checking, they don’t have the audacity to tell me how I’m going to pay my money for a bill, this is a complaint, one of many that I will fight a company telling me how to pay a bill (which method) SEND THIS COMPANY TO HELL!

Found out about unauthorized capital one credit card account since Dec 2022. Filed it to the Capital one fraud department immediately and sent a few certified mails including evidences to support that the account was not opened by me.

First the capital one seemed helping and cooperate to resolve but never listened or acknowledged what I said and sent. They knew the card was sent to an address which I have no knowedge and they knew the card was opened with my previous/old name. I did everything I can to prove that it wasn't me. I sent all my ID copies with previous addresses, auto insurance copies, my house lease contracts and legal name change copy too. I filed a police report also and this 8 months battle was in vain.

Since it was a identity theft issue, there were other credit cards were illegally opened such as Discover, First Bank and TBOM. These companies worked with me and got rid of the wrongfully opened accoutns but not the Capital one.

They still sent me letters and emails saying that their investigation is completed and I'm responsible for the fraud account activities.

I have now contacted to get any legal help and I was told that Capital one is known for the above types of bad fraud department reputation and I should negotiate with them to pay. I do not know what to do but definately not want to pay for what I'm not responsible for.

Joel Nando Bertorelli. August 9th, 2023

Attention: Complain Department of Capital One Company of Canada.

The removal of my inscribed and owed monetary debt of $1,000.00 CAD on a defunct Capital One Low Rate Credit Card in association with Mastercard company of America, USA. To have the inscribed monetary debt, stricken from the files/records in all formats, owed to the Capital One Company of Canada. Since, 2014 to 2023, including a two year hiatest peroid, not included as the primary and separate seven year waiting period, after financial "Discharge", starting from the date of July xxth, 2014. This is equal to a nominal waiting period of completed solvency, and nonreinactment of repeated debt, and or further debt with said company. This process should leave, (apart from nominal means of which the Capital One Company is allowed to undertake for future business credit applications) a clear and blank record of all past credit accounts, (that fall into the disclosed ruling stated by myself, but taken from the Government Standard), a right to have this process sustained, as well as a right to conduct with absolute fairness and ethical business practices the continued business from myself with the Capital One Company, in the future from today's dated compaint letter. Please begin my requested process, and confirm with me, via personal email address, for my electronic records, and proof of closure of account to standard practice under the stated ruling law of Canada. For your references my personal email address is [protected]@hotmail.com, and my current residential address, (in case of the need to mail any hard copies of the formal reporting closure of my Capital One Low Rate Credit Card Matercard) is [protected] Anderson Road, Richmond, B.C. V6Y-0J5, Canada. I thank you for the time that my compliant letter will take to resolve.

Sincerely,

Joel Nando Bertorelli.

[protected].

My account has been put into restriction. I have tried to get a hold of this number [protected]. I have left several messages to that number. (45 messages). I have not received a call back or some kind of communication with Capital One. This is not right and is unprofessional. Your bank has $910.00 that is my money and belongs to me. I am filing a complaint to the BBB and FTC for the abuse and negligence of your bank.

8/01/2023 I just found out today that my 360 money market account is receiving .8% interest instead of the 4.3% interest offered to other 360 accounts. Since Capital One no longer offers the 360 money market account why would they not switch my account to their newer offering. I have lost hundreds of $ in interest. I get emails, texts, and see adds every time they raise their rates but not once have I received notice that I should move my money to a new account to take advantage of the higher interest rate. I can't help but believe there are many other old time account holders that are being screwed out of additional interest because Capital One failed to do what was in the best interest of their clients. I have been a supporter of Capital One for over forty years but I can't forgive them for what they've done. This is a slap in the face for all their old account holders that have put their trust in Capital One.

I had stopped subscription to TOTAL AV months ago on my Capital App.They tried several times to take payment of £149 but was refused as it would show on my messages from capital card.Two weeks ago I also spoke to a lady at capital card please make sure no payment goes out to Total Av as I had cancelled the subscription .The lady confirmed I can see this was stopped and no payment will go out. Today I was updating the new phone and saw that capital card has paid out on 18th July 2023.I have spoken to Vishal in capital card help line who has promised to stop further attempts from Total Av and will put a request of the amount taken.

I had also emailed Total Av few weeks back on their web site email :[protected]@totalav.com to inform them that the subscription was cancelled and they should not keep attempting to take the money from my account.

[protected]

My Name is Frank Castro, I went to BJ, s and shopped. When I went to pay, I learned My MC Visa., [protected]). I called the Capitol one help line.

This was the start of a nightmare. I've done everything I was asked to do. Only after I called that I learned that the documentation I sent was illegible. What's going on? I have multiple cards with Capitol one. They asked for the Caballa's card number. I read it to the representative. She said it was OK. I have waited several weeks to have a replacement sent to me. I never received the first one.

Can you look into this, Please. I'm done tto

Capital One needs to seriously consider increasing one’s credit limits. I requested a credit limit increase for not one but two cards and was denied for both. The reasons they came up for the denials was ridiculous and the report that they showed for my credit through Equifax was a report from May. I have been with Capital One for a while but I am honestly considering no longer doing business with them in the future. I also would not recommend them to anyone I care about either.

On 7/5/23 I called more than 10 times to pay on credit card, it didn't recognize my entries...kept saying what was that? Please speak a little louder. I finally got through the web login and paid. But because it was after 8pm got charged late fee! My first call was 4:49pm my time in Az. This is wrong and your system is screwed up! I tried calling today, and it's still like that! Very frustrating and pissed customer! I don't agree with your $40 late fee.

Capital One has refused on several occasions to return any phone calls or emails. Now you have a robot answering emails and when I called the number in the email, I was disconnected twice. I need information to pay the cc even though you have already written it off. You have been holding my money hostage for ove a year and capital one refuses to address the issue. I want someone to call me and give me my money back and the information I need immediately

I was scammed by what I thought was a debt consolidation that was going to roll all my cards into one payment. I was asked for my credit card information much like a transaction being processed. They then got into my account online and made a full payment thru my online banking account with an account that was not mine. I only realized it was a scam when they asked me to purchase a money gram card and send that to them. I immediately called and reported the scam and it has been a year battle now on trying to get new cards. Every time I call they need a statement from the account that is not mine. I have never made any of my payments thru that account. The scammer made that payment. Reporting a scam has definitely not helped me in anyway. The payment should of came back rejected due to account not recognized or not authorized transaction. The bank is not going to give me anything because it is not my account. We don't even have a Wells Fargo in NH as far as I know. Had I never reported it I would have my cards and the payment would have been just a rejected payment.

I mailed all my payments in one envelope and they aren't being put on they're accounts like they should be. I've got proof of them. If you got one you got the rest now please put them on my accounts before I call a lawyer this is getting out of hand. One pussed off customer

Robin Pardon

275 white Blossom dr shepherdsville ky 40165

[protected]@yahoo.com

The inability to successfully answer questions is ridiculous..it seems the answers vary to who ever picks up tge phone never really answering but dodging the answer thru side stepping. No consistent response to any thing..very poor ...today it took me 83 minutes and 7 calls to pay a bill ..each time you get a different answer 1 out of 4 supervisors was able to process my payment..just poor really ..must be a different capital one processing system in every state county and city.

SBA Granted me a loan in 2020 and was reversed by Capital One in 2021 stating fraud. As explained by representatives it was reversed and was put in a general ledger as it was described to me within Capital One and was to be given back to the government. It is now 2023 I have been receiving phone calls from SBA stating I need to pay the loan back along with interest on this loan. as if I had the loan and it was given back. I have been calling the customer service line for support as i have been receiving phone calls from them. I had enough with the run around with the same information 3 years later as my credit is under an attack of this loan that I have no even used. I been calling asking for a tracking number to provide SBA with and I have yet to receive it. I have been provided with a case number and still no one has reached out to me about a solution on my account i had with this bank 3 years ago.

Case number: 20230515000248Q

My phone is broken and im trying to order a replacement phone through Google, which only places a temporary hold on my card until i turn the old phone back in. YOU BLOCKED ME from ordering my replacement phone. I cant change credit cards on Google because i have 2FA on it, WHICH IS TIED TO MY PHONE. I CANT CALL YOU BECAUSE MY PHONE IS BROKEN. Please for the love of god use your brains!

When I got this card I was working part time. Since then my Parkinsons got worse and I have a speech impediment and even loosing vision neurologically. I was forced to completely halt working for many reasons. I need a customer service email that is not provided easily for email for my speech impediment. I cant find so I post this here. When I used CHAT it stated I could not switch from the 20th to the 30th for my ODSP comes once a month and to my great dismay, the company that aided my credit is NOW every month reporting me as BAD or delinquent because they would NOT change my payment date to aide me above. I cannot help this matter as it would be re-occurring every month that I do not get a change and hurting my credit instead of helping it.

I've used their bill pay service for years. They just replaced it, 6/20/23, with the WORST bill pay service imaginable.

Half the payees I set-up were deleted.

When trying to pay one that remained, the service wouldn't even work. I entered the info, and it looks like it worked, but it just fails without any warning!. I got an email later saying it was canceled.

Calling customer service was of no help.

Trying to log into capitalone.com when I received an email on 17Jun23 to check an alert on Creditwise.

uBlock Origin has prevented the following page from loading:

https://itxqzymj.micpn.com/p/cp/c6ecf1f67f0daf89/r?url=https%3A%2F%2Fverified.capitalone.com%2Fauth%2Fsignin%3FrelationshipId%3D1&mi_u=386833fb6e79746782b816cb12a52f68581bd6dc

Because of the following filter:

micpn.com

Found in:

EasyPrivacy