Capital One review: unfair interest practice 43

I have been trying to closed one of my Credit Card Acct with capitaone bank, for " 3 month, sending registered letters (& phone calls, but they keep saying the same , that is "in process of being closed", I had to speak to a Mgr. in the "outsource center in India" & talk to the them very angry & requested to sending me a letter that the account should be closed. I already closed other 2 accounts I had with them.

Capitalone Bank, "socks" & it should be investigated & charged accounted for "illegal & tricky practices, with its customers.

Thank you.

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

I used to work in one of their out sourcing centers here in the states. It literally made me sick (physically ill) and I ended up quitting the job.

Anyways, what they don't tell you about bank transfers and your current balance is that the money you send it gets divided over different "owed" balances on your card and you do not get to pick where the money gets spent.

These percentages are off, but here's an explaination of it:

Say you owe $200 and have a $500 balance transfer. Both those have different interest rates... the $200 is at 10% so you have $20 due in interest on it and the $500 is at 0% so you have 0 due on it. Your payment of $100 is divided up among those four things in some convoluted way (despite asking for clarification several times to tell the customers, I was never given any).. so that $80 of it goes towards paying the balance transfer...and $20 of it towards the other interest amount. Now you're left with $200 that's still gaining interest, $420 on your balance transfer, and $0 in interest to pay.

Ideally, the amount you paid would be used to pay on the amount that was gaining interest. However, Capital One is in the banking business to make as much money as possible. Stay away from the scam that's this card.

You can file a complain with http://www.helpwithmybank.gov/faqs/credit_interest.html. Please file all complain against capitol one. We all and all for one. The more people file complains the better we all will be.
Lets not let them step on us. Together we can make a diffrence. Lets stick together on this.

I paid my balance in full and Received a bill for 33 the following month for interest.

On nov 17 around 2.00 oclock park my car on 317 central ave jersey city on capital one bank parking lot bank manager also park his car next to me i go to ATM machine and after 5 min when i come back bank manager locked gate and my car inside the bank gate for nov 17 and nov 18 . I filed police report and also i filled small claim case against capi

my credit report shows a loan from a car I never owned. financed through capital one auto finance. what proof do I need to argue that I ever had possession of this vehicle.

Please remove that total loser Samuel L Jackson from your commercials. He is a foul mouthed POS jerk.

A 90 years old person bombarded with credit card offers at list 2-3 times a week. Opt out several times, requested over the phone to remove from a mailing list but no luck.
I will file a complaint with BBB if I receive one more offer from them.

Our company at one time carried a

My savings account closed and I'm was 1) not notified and 2) completely oblivious as to why it was closed without proper notification. Left me with no way to pay my bill or even get cash. Called them they didn't even care. Do not bank with Capital One.

I called the credit card department and I am highly disappointed on this the way they answered my needs. a supervisor couldn't help me.after I get these cards paid off will I use them.. so thank ms Karen UHF793

I am a Lexington law firm customer, I was advised that i have a account with you guys and I don't, so someone is using my name what can we do to clear this matter up

I moved to Belize 15 months ago and always have trouble when trying to use my card.
Is it being blocked because I am in Belize? I live on the northern border of Belize in Corozal town and reside only 30 minutes from Chetumal Mexico. I wish to use my credit card in both Belize and Mexico. Please help!

Fraud victim

This effect will considerably impair my obligation to make current and future loan payments. I am obtaining an attorney who will serve as my communication and representative. You will be contacted.

Regards-Brian Mercill

I just got off the phone with capital one customer service. I've had their card 4 years now always pay on time and more then amount due. I paid $50.00 on my card august 14,2022 a Sunday the date that its due. I noticed I have a late fee of $25.00 I was told it was after due date an there not going to remove the fee. I'm pissed never late was late

So i have a due date of the 9th of each month for my walmart credit card so because i forgot to pay $3 before 8pm on said due date they want to charge me this late fee i refuse to pay a late fee on a missed $3 for my september payment

I think capital one is fraudulent.. I got a credit card from them but it doesn’t do me any good if they will not activate it..I’m so disgusted with them

I cancelled my card because you were charging me a yearly fee. I see that you have given me a low credit score. I always paid my bill on time. You are useless obtuse bottom feeding, crappy company. I will see you in hell before I have anything to do with you in the future. [censored] off

I have been trying to contact Capital One via E-Mail and there is absolutely no way to do so! My funds have been held up again, So my payment will be late again due to circumstances out of my control again!

i ordered a virus scan but it wont load onto my laptop so its useless to me.so im not going to pay for something i cant get sincerlly shelly sturmey

I am a capital one card. But having very much difficulty with my card. I had to change phone numbers in doing so my card is in limbo

I lost all my account information in a fire in November. I did not have my account number. The customer service could not verify my ID with the phone app. They did not offer or have an alternative method. I am very frustrated and need my money.

iv,e appiled and keep turning me down but you still keep sending me approvel letters,so quit telling me i can ,when i can,t

I'm trying to communicate with capital one via email or chat so that the conversation is documented, instead of a phone call, but they refuse to communicate with me that way, even though they send me emails that I can't respond to. One-one communication is the problem.

My account was charged on March 23rd i have no idea please help me...

Credit is been restricted. Customer service refised to send me a letter stating why credit is under restrictions while I make payments.Also tgey are asking for sscard, drivers license and three bank account statements from 3 months.

In the middle of March I received a phone call from Capital One Bank about security risk of my CD. The agent said that my CD will be terminated. I left countless messages to call me back, so far no one returned my call. My account is restricted, I have no access to my money and have no idea what is happening with my CD account.

They close my blc of Zelle transaction it very bad and worst bank

I ordered my first checkbook from capital one but I haven't received it. It said shipping will take about 10 days and now its been more than 3 weeks and still no sign of checkbook

I called on June 26 and made a payment over the phone. Capital one never deducted the payment. Capital one reported me to transunion. The payment was made to them. The representative gave me my balance as well.

I'm being charged membership fee for account no longer have since upgrade promise by supervisor would wave membership fee haven't wave yet keep saying they can't wave unless get okay. Which told them someone already Promise would be able courtesy wave. Thanks

I received 2 small deposits in order to link an external account. the amount was debited from from account. the deposits are accurate. When I enter them I get a message that they are the incorrect amounts. I have been trying to get a live agent to help me but can't get through.

Capital One has changed their Bill Pay system and now Payees are shown as a payment sent for just the month and day and not the year.

This makes it very confusing because payments made in previous years are shown as sent with just the Month and Day.

The attachment shows a Bill Pay was sent on July 6 and it was actually in 2021 and this is 2023!

Not allowing debit card purchases is going to result in more late fees because of less payment methods available. Think this may be the start of a class action if it's not resolved.

Purchased a CD on July 6th for 88 year old Mother to go to her Utilities. When first payment came they stuck it into CD and not where we filled out to go in banking acct. NOW they ignore us with a Not real person" Maddie" who says they have contacted us. BIG Lie. Not getting any Satisfaction with this so called Maddie so will file with AG office.

They closed all of my credit card accounts even though I verbally was getting help to pay them because of medical bills. And then they closed the accounts. They ruined my credit in the process.

Why do you [censored]ing [censored] keep changing my password to my capital one account? it is getting [censored] old retyping the same password and keeping the same password...Do you [censored]ing understand i am pissed?

robbie guerrero

I am a Canadian speaking plain English calling Capital one.

How do I communicate with a rep. of their company that can't speak so I can understand them.

I have submitted a claim to claims department they never called me it was a business account I told them someone had stolen my information and I am missing over 5000 nothing ever done the let account go into negative and im stuck trying pick up the peices. NO HELP