Capital One review: prepaid card 61

i just wrote this long review and erased it by accident, long story short...get your money out quickly...go elswhere, if you need prepaid go to RUSH card. they are the most reliable prepaid out there, bankcorp is the bank and JP morgan/Chase is the account holder...GET AS FAR AWAY FROM CAPITALONE AS YOU CAN AND AS FAST AS YOU CAN!
THEY HAVE SCREWED WITH MY MONEY FOR THE LAST 3 PAY PERIODS, CAUSED ME EXTREME STRESS AND FEE'S BY BEING LATE ON FINANCIAL COMMITMENTS DUE TO THEIR NEGLIGENCE!

I have been a customer of Capital One for atleast two years and the way your customer service reps handle business is horrible. Last night i was on the phone with them for 4 hours. I talked to about 24 different people (no exhageration). I don't know how you train your employees but i can tell you from my experiance the value of your customers and customer satisfation goals are non existant. I was directly lied to, hung up on, and was spoken to the in the rudest and most disrepectful way than any company i have ever came in contact with. I have worked in the customer service industury for many years and i can honestly say i have never seen a company with such a disreguard to customer satisfaction until Capital One. The worst part was that the whole reason i had to deal with your so called "customer service" for so long last night was because Capital One was at fault. I am extremely and sincerely disgusted with the events that occured let me assure you that this will never be happening again because I am no longer a Capital One customer and will make sure that I NEVER am a customer again. Not only will i inform anyone i come into contact with about what happened and how poorly i was treated but you can be sure i will advise them to take their business elsewhere as well. Further more i am currently in the process of taking legal action not only for all the fraudulent services conducted but for pain and suffering of my step daughter for the consquences suffered on your behalf. I certaintly hope there is at least one person employeed who cares and respects your customers otherwise im positive the ignorance and negitive business practices your company portrays will directly result in much more detrimental loss of business.

I never had a Capital One credit card. When I found out about it, I sent them everything, including a police report, information about the arrest made on the case and the full confession rendered by the person responsible for the fraud. Capital One has continued to insist that I am the person responsible for the indebtedness. After one year, they have not changed their absurd position and they have ruined my credit. meanwhile, I have harassing calls on my cell and at home 3/4 times a day. There's something terribly with this. They are betting that I will cave in and pay a debt that is not mine rather than do the right thing. They are CROOKS.

That finance charge you are seeing is the interest of the balance of your card. It should be getting charged a finance charge every month.

From my experience, customer service at Capital one is perhaps worse than any other credit card company I have dealt with. In my experience they intentionally made it difficult for me to cancel my card after I saw the yearly fee. They agreed to wave the fee if I kept the card open. When I refused and demanded a refund for the annual charge, they made asked me to Fax them their own TOS regarding cancellation, and also a written request for cancellation. Jeeez!

So what is the actual complaint here besides that fact you didn't get your way...

Capital One intentionally makes makes things difficult. I should not have to fax them their own TOS (terms of service). That is ridiculous and obstructionist. If I ask to cancel my account, just do it and be thankful for the interest you've earned. Customer Service, Customer Care? Yeah right.

My Interest rate with Capital One has been 8.9% fixed for several years. recently, with proper notification, they raised my rate to 17.9%. they properly notified me of this change. However, they have applied the rate to previous balances which is in violation of current and recently passed federal regulations. My State states" your promotional rate has expired" I never had a promotional rate and they are using this statement to skirt the current law.

Between August and November I did a series of balance transfers from Capital One to pay off higher interest loans. Around $8, 000 was added to existing balance totaling around $23, 000 balance at 10.9% . Beginning in February 2017 the interest for the entire amount changed to 17.9%. When I call they said I was sent a notice. First of all we had an agreement as to interest rate, I borrowed additional amounts and transferred monies to higher interest rate accounts based on the fact my interest rate was 10.9%. I was in good standing and making payments on time. Second, I did not receive this notice. If a company is going to make a significant change to my account, I think I should be notified, perhaps even with a return receipt proving delivery. When I called and complained, I was told that's just too bad. After pursuing it further they did come down to the original rate on the $8, 000 transfer. This is still an unfair situation. If I had in fact got the notice I would have been able to cancel the plan and pay off the balance at the lower interest rate. I think that maybe, I didn't get this notice or perhaps it got disguised as some other type of document so that this deadline would be missed?
It is unfortunate that they will forever loose me as a customer, and if there is a way to publicize and/or legally pursue their greedy dealings, I will be very motivated.

Pls check out this website you will find it to be totally amazing what these credit card companies do

http://www.pbs.org/wgbh/pages/frontline/shows/credit/

I was late on my capital one card payment and received a phone call in March 2017 from a woman by the name of Phyllis representing Capital One and their claims department. She asked me if I wanted to enroll in a program that would get me back down to my original balance (3, 500) so I would be charged additional fees. We came to an agreement that I would pay 293.34 for months April, May and June. This would then bring my told from the 4, 200+ down to 3, 500 (my credit limit) I was told that everything was include, late fees, overdraft fees, finance charges etc. But the finance charges were not included. I was really upset because at the end of the 3 months my balance still was above 3, 500 like almost 3, 800. That means my next payment had to be well over 300 just to get it to the 3, 500 and thus the program I enrolled in was a fraud. I tried to call Phyllis back at least 3 times and no one would let me speak to her. I tried call different numbers at capital one and no one was willing to help me. It was a tough luck and I had been duped. My payment for the month of July should have been a little of 100.00. Mind that fact that I really sacrificed a lot to pay this bill down. I worked as an AmeriCorps making on 627.51 per paycheck. My rent was $812 and I was paying capital one 293.34. This is just right that I was duped like this. I want to know why would Capital One enroll me into a program to get back on track and update to get me back to my original balance and this is not what happened. I fulfilled my part back paying the 293.34 for three months and was going to start paying the on the original balance starting in July, but how could if I had to make another payment of over $300 and I had already made plans to visit home so there was no way I was going to have the money to pay $300+ and then I would end up late, over the limit and additional fees. This is really terrible that I was duped into this.

Was lied to by a Capital One agent
Balance transfer application

Oct 05 2017 6:42P Phoned 1.866.543.0808 Capital One to do a balance transfer and the phone agent assured me I would not get a hard hit on my credit score and within 60 seconds a decision would be known.
Well, the 60 seconds passed and he said that I would know within two weeks by letter. That's not what we agreed on, and to please WITHDRAW my application. He said it's too late, it already went through.
Irate to learn that he lied to me.
At 10:30P restless, unable to sleep phoned 1.866.543.0808 and Amy sugested I phone customer service 1.866.548.4593 talked with Lime who connected me with Steve listened to my grievance and said he'd have a conference with his colleague with a decision to withdraw my application, after a few minutes at 11:02P I get Sasha ID: UKL027 who repeats Steve's response, after a few minutes, tells me the system is updating and for me to call back tomorrow.
I phone at 11:08P and Katrina cannot transfer me "unfortunately that department is closed, to call back tomorrow".
I will phone tomorrow and pray this unpleasantness is put to a close.

I wanted to work on my credit a bit so I applied for the capital one secured card. I was approved and as soon as I deposited 20ousd into my secured account they would issue my secured card within 7 days. I deposited the 200usd on sept 28th. It was deposited out of my checking account to their account (ach). On the 6th of Oct. I called to see the status of my card. The representative I spoke to 1st said the money was just deposited on the 5th of Oct. so I said no it was taken out of my account on the 28th. He kept telling me it takes several days for them to get the money so I decided to just close the account. Well he talked me out of closing it and guaranteed it would be at my residence no later then monday or tuesday. Also keep in mind we had Columbus Day no mail. So I waited til Friday until I called, now the 15th of Oct. I called again and said nevermind I just want to close the account. Now I have received to letters from them saying the card is on the way or when I make a deposit it will be on its way so they have my address right? Now they say my zipcode is wrong and that is why it has not arrived. I am furious and I wanted to get my money back. They could not, would not do anything for me at all. They said they keep the money for 2 billing cycles and then will send me a check. Also they said it will negatively effect my credit for opening an account and closing it so fast. Now think about this had I known they were not getting me the card by that monday when I was told I was going to get it, I would have close the account before it became an active credit account. I am looking for answers... I know this has happened to other people by reading some of the threads online... my fault I did not do that first. Please be advised that this company has only call centers in the philipines and basically none of them can truly help you out..

I have been a customer with Capital one for three momths. I came from a credit card that was designed to help with credit. High Intrest Rate, Annual Fee and took them a long time to process payments they made.

Capital One offer was much better, so I switched. My first Payment with Capital One was due, I payed. Within 10-Days I recieved a letter statting my Checking Account with my bank was invalid.

I called Capital One to find out what was wrong. I had actually copied and pasted my account information from my online account. After getting this letter I called my bank to insure I had the right number. The Account number and routing number I gave was accurate.

After making two more additional attempts to pay with the same account number, finally a payment went through.

It is now a month later, paying my next payment and Capital One again flags me for an invalid account.

They wont let me send them a voided Check. Their Call center, per their Senior Rep cannot escalate the issue any further. There is nothing they can do. I asked them how am I supposed to make my payments? She tells me to mail a check. If I mail a check with the same account number, it wont resolve the issue.

According to this Senior Rep in the call center, she cannot escalate or advise how to fix it. Her only suggestion when I told her I would seek legal advise was I could send a letter to their general mail address.

I should have stuck with the company with the higher charges. My payments were always on time and never had an issue.

You are right. The process of getting the card is slow and a lot of hoops. It is because they do not have a branch in Canada and because of that they have to do a great deal more paperwork in order to legally operate in Canada. I know that doesn't matter to someone waiting for their card, but hopefully that explains why.

I would also check with your bank to make sure they report regularly. I love my bank but when I went to get a secured card to rebuild my credit I found out they report bi-monthly and they had a much higher minimum deposit. I decided to get the Cap One card and despite the wait and all the extra paperwork I love it. They report monthly and my credit score has improved so much in less than a year that I should be able to get a regular credit card from my bank soon. And the fee is high for my card but my interest dropped in 6 months because I used it wisely so it ended up balancing out.

Captiol One is just another company out to take advantage of people. I had one of those cards for rebuilding my credit and it further dug my grave.I tried to start to get credit after a messy divorce and defaulted on this stupid $300 limit card. I ended up paying over 2, 500 in court for this 300 dollar card. Plus I paid $50 for the card. So they actualy gave me $250 and made well over 2, 000. I to had to deal with the computer generated collection calls, I would say hundreds of calls. Plus they looked up everyone with my last name, that lived in WI. They called them to and asked if they were related to me, and if they knew me. The process server came to my house at 9pm and went to my 3 Daughters window and whispered come here, scaring them to death.My neighbors told me the day before he was at my home knocking on the door for a half hour, walking around my house, taking pictures, looking in windows. All this for $250 dollars. On Halloween I had family over and all the kids were ready to go trick or treating when this server comes flying up in his car, jumps out, starts walking towads us with his hands up like he was afraid of us, and hands me these court papers and walks backward real slowly, like we are going to attack him. I swear this guy was wearing shorts, that were tight cotton, and his package could be seen clearly, he had on black dress socks, a jacket, and tennis shoes, and his hair was sticking up all over. This guy acted like he was the swat team making a series bust, in actual its a poor divorced lady, with a debt of $300 to this stupid Capitol One.

I stopped reading after you wrote " I defaulted"

"I swear this guy was wearing shorts, that were tight cotton, and his package could be seen clearly, he had on black dress socks, a jacket, and tennis shoes, and his hair was sticking up all over. " ROTFLMAO @ this comment, hilarious!
Capital One is a rip off anyways...you defaulted...wow must have been a long time because you had to pay that much? That's crazy. Hey ppl run into hard times, it happens to a LOT of ppl...

Whoa, package? WTF does that matter? You defaulted.

I had a car accident on 10/02/13 The loan was $15849.00 the insurance pay a 12761.00 and NCA agreement paid 1600 and I made 3400 in payment. I was told that I had a balance of 2500 interest fee. But the payment was setting on someone desk for two weeks . never got they post until I start complaint about the the phone calls then they post post the payment. I know there is someone at Capital one who wh acre about their customer. And see this car is paid in full. Who can help the consumer? this not fair

I am being harassed by Capital One. They call me every half hour regarding bills my daughter has allegedly incurred. They have her number but continue to harass me. What can I do?