Capital One – Page 43

I received an offer from Capital One for convenience checks with a promotional rate of 5.99% as long as checks posted by 11/15/2010. So I wrote two checks on 11/7. The first posted to Capital One within a few days and I received the promotional rate on it. The second posted to the Capital One card on 11/15. When I received my statement though, I did not get the promotional rate even though the mailing clearly stated in multiple places the offer was good through 11/15. Thankfully I kept all the paperwork. So Capital One is INCORRECTLY charging the wrong interest rate on this transaction, a much higher one of 17.9%. I phoned Capital One and was on the phone for 30 minutes with a representative stationed God-knows-where who could not help. The supervisor he transferred me to was better; she is sending this over to another department to review. Just in case that is not enough to get this corrected, I just wrote their "disputes" department, and am sending copies of all the paperwork I saved, including the initial offer which clearly states "must post by 11/15. Here's what I am sending them, minus of course the dollar amount and other information that is personal. And my caveat to you reader, is to save paperwork and check your statements carefully, especially when dealing with Capital One. I am writing to notify you that you have made an error in the interest rate being applied to the transaction dated November 15, 2010. That check qualified for a special transaction rate. Please see the following attachments: Attachment A – copy of letter from you “Dated Notification” . It states “Act by 11/15/2010 and get a 5.99% APR for 12 months. It also says “limited-time”…. “must post to your account by November 15, 2010. Attachment B – copy of second part of letter from you, right above the checks you sent. See the section titled “Use-by-date”; it clearly states “these checks must post to your account by November 15, 2010 for the promotional APR to apply. Attachment C – copy of statement from you showing that the check for $xxx posted on November 15, which means it qualifies for the 5.99% interest rate. Please rectify your error immediately, adjust the interest rate retroactively to the 5.99% rate that should have been charged. Otherwise, I will be taking legal action.

Since capital one bank somehow took over chevy chase bank, they first said they wouldn't be changing anything. Wrong. They changed everything! They run debits before deposits every evening run, and they do it in a way that they can bilk every cent from every customer they can get. One chaek for $125 resulting in a $12 overdraft, cost $70 in fees, as the very next night my paychexk went into the bank, and they ran debits before deposits, collecting again for online bill payments that normally would not overdraft my account. They do debits before deposits and by paying bills online, they get you every time. They are the # of the earth, thiever and crooks.

Do not do business with them, if you do, find another bank, these thieves will eventually get you

I was a customer of Chevy Chase Bank. CCB merged with Capital One Bank and I was transferred to Capital One Bank. Ever since this transfer I have had trouble with the Bill pays. This month I notice a Bill pay scheduled for Dec 15 to my Mobile Phone company had been debited to my account on Dec 13. Additionally, I was charged 35$ for not having adequate funds to meet the bill pay. When I called the Bank to ask why I had been charged 35$ and why the Bill had been paid out before the sceduled date, they referred me to clause 7 of the Bill pay agreement which says that laser transfers can be paid out before the actual scheduled date. I told the Bank this is not good enough, because a customer cannot plan their financial portfolio if the Bank is paying out bills before they are due - all at their whim and fancy (because they do have a choice to reject the payment if it comes in too early). This is just not good enough in a competitive banking world. I never had this problem with Chevy Chase.

Orchard Bank sends me several emails a day regarding my account with them and I never have had an account with them or never will. They also send emails simply to try to get me interested in their credit card. I have written them several times over the past few months, asking them to stop the emails. They always write back and say to be removed from their list I need to write them a letter with my name, address, telephone number, and signature. I then write back asking them "why would I supply you with even MORE information so you can harrass me with regular mail and calling too?!" They do not have a right to email to begin with, so no customer should have to write them anything and waste a stamp! Even though I tell them to remove me and that I will not write them, they just send the same email. There is nothing that can be done, as far as I know, regarding this company.

I have been living in Thailand for over 3 years. We came over here with an Orchard Bank credit card and told them we were moving here. After 2 weeks here, we tried to use the card and it was declined. Every single time we have tried to use it (over 30), it has been declined due to high security risk and we have to call so the transaction can go through. This is very inconvenient and the last time we tried, we called first and tried to pre-authorize the transaction we would be making in the next ten minutes and the rep said it would be fine. We used the card, declined again, and we called. They said we would have to wait an hour until the security department got in. That doesn't work when you are at a restaurant. This is absolutely the worst card I have ever had. I emailed customer service with this complaint and their response was to call Orchard Bank credit customer service, which I have done over 30 times. AVOID THIS CARD IF YOU PLAN ON USING IT OUTSIDE THE U.S. WORST INTERNATIONAL CARD EVER!

I've been a customer of Orchard mastercard for yrs.now.never late, good rating.Said I would receive periodic increases accordingly.Never got such.called to inquire & was told I'd have to "Pay"for any increases given to me.I established this card after a bankruptcy to build it up.it's doing anything but.and Now...If I close it it's held against me.The advice I have is wait & get a REAL credit card through a legitimate co.if needed that bad.if it isn't I'd suggest you to pay cash!or do without.

We are behind in our capital one payments and we are financially struggling due to a recent job loss. We are trying to get capital one to lower our interest rate and they will have no part of it. They want us to make 9 payments before they will lower our interest payments and i have expressed to them that we cannot make the 9 payments at the current dollar amount. We are working with a financial consultant who said we should ask capital one to work with us but we are getting nowhere. The fact that we cannot make the minimum payments is hurting our credit rating. Is there anyway i can get them to work with us? Your help is appreciated.

In February of 2007, I purchase a vehicle from Capital One Auto Finance. My payments was due on the 25th of each month before my due date I would recieve Harassing phone calls two weeks prior to my due date for payment on this car. I was told be a repersentive that I was place on a call register for payment on this vehicle and that they didn't have a way to cancel me off this register. How its 2010 in my financing is not what it has been I talk to a repersentive in the repo dept and told them I would like to volunteer to return this vehicle to them I was told I could apply for the hardship program if the vehicle was 60 days late and that they would send me an application to apply. Since then I have recieved harassing phone calls at lease 3-4 times a day from the same dept that said they would help in this matter. This is very disturbing and annoying to have someone say that they will help and still have their dept continue to harass you in the precess. I feel that Capital One have a very unhealth business practice to the consumer in the matter of doing business with them and this practice sould stop.

Dear Capital One, I have asked numorous times to quit calling me every day! I will not answer the phone! I have no job! Car, House-which was foreclosed on due to the death of my Husband. I dO NOT WORK! I have nothing! Not even a bank account! I am tired of being harrassed every day! and I'm tired of all the foreigners taking us Americans jobs! When you call I can't even understand You foreigners! So, don't call! You won't get any money out of me because I have none! I can't help the situation I am in! That was uncontolable! You don't care about the consumer at all! I will never get a loan thru you again in life!You have made me mad, angy, hostile and I'm not a hostile person! You have harrassed me for over a year! So, please give it a rest! You can't squeeze blood out of a turnip! Can u understand that? I am asking you again quit calling me---Peggy Palazzola! If, you do not quit calling me, I will take futher action even, if that means getting a Lawyer!

I canceled my merchant services account after 8 months because 2 credit card readers went bad.Refurbished machines..And I had to pay 4 new ones..I paid $800.00 for 2 defective machines ..then I wrote a letter canceling my account. I sent back equipment and was supposed to receive back the additional $400.00 dollars that was a deposit on the machines credited back into my account..still waiting on that !I have been charged $20.00 dollars every month since then (a year now) for my merchant services account that I canceled in writing. I left a couple of hundred in that account and quit using it was waiting for refund of deposit...Now that account went into over draft because of those charges and I recieved a $325.00 bill for them..Unreal... I have reported this to the attorney generals office ..Now i guess I wait...

To Whom It May Concern: That holds or has a Capital One Credit of any kind

If anyone in this world has a Capital One credit card account either a Visa or a Master card account. I suggest you stop doing business with them and to close out all your credit card account or banking you are doing them. Because if you don’t you are going to be in for a major surprise and taken for your hard money you make. So everyone, be ready to get an all notification in your mail boxes. Where they will and are going to try to charge people twice for annual membership fees to hold an account with them, even though Capital One has already charged you their one time a yearly membership fee this year.

On October 1, 2010, I received a small letter in the mail from Capital One Credit Card Company. That on November 14, 2010 that they are going to be increasing all credit card account holders with a new Annual Membership fee to have an account with them. They are raising their membership fees from $39.00 dollars a year to $59.00 a year. When I called nicely and ask them about this letter. They stated that they had ever right to increase the Annual Membership fee without justifiable reasons, because the way the economy is and said that our U.S. government has passed a new law. Allowing all the major credit card companies to charge all their faithful and on time costumers. Two annual membership fees a year to keep an account with them.

When I called to speak to an account specialist they tried to give me all this song and dance and excuses to charge me twice for a yearly membership fee and even though they already charged me $39.00 in a membership fee in August of 2010. They told me that they where going to charge me a second Annual Membership Fee on November 14, 2010 of $59.00 dollars unless I opted out of this change and the letter said that if I opt out of this new change that then they would close my account and they would stop reporting to the credit agency’s of all my on time payments I made to them after I closed my account and declined these new changes. When I called on September 30, 2010, I asked them that being. I’m closing my visa credit card account with them. Because I disagreed with these new changes and felt that they had no right to double charge me or their faithful paying customers two membership fees in one year. Because this is unlawful and a very shady business practices, I asked them if they would also be willing to refund this year’s yearly membership fee. Being that my account with them is going to be closed. They told me that it was past the 30 days and would not. I told them the yearly fee only is to apply if the costumer choices to keep their card open. But, they still refused to refund my membership fee this year even though my credit card account is going to be closed on November 14, 2010. They refuse to credit back the yearly membership fee that they charged me in August 16, 2010 and told me that they where going to charge me still the $59.00 dollar in November. Card holder beware and stay clear of Capital One.

I have an upside down mortgage with capital one. I have tried for 2 years to be proactive and fix this. I have written letters, spoke to attorney's, called the bank upteen times, visited branches etc. Currently I hold a mortgage that is over $500, 000. I had a forensic audit done on my appraised used in 2007 to fund my loan. This appraisal was fraudulent. Square footage was made up. All comps were fraudulent etc... Capital one's underwriting department failed to flag this prior to funding the loan. I went to re-fiance my home and uncovered all this information which I had documented per forensic audit. Capital one refuses to work with me. They refuse to connect me with anyone at the bank other than a customer service representive to fix this issue. A national bank committed FRAUD and is getting away with it. How is this possible. Please HELP!

Low Interest Rate Credit Card From Capital One is a Scam.

Avoid Capital One Secured Credit Card like the plague. Here's their corrupt procedure:

1) Tell you to send in $300 (or greater amount for higher limit).

2) Once they receive your money they send you a snail mail telling you they got your money and that they will be sending out a identity confirmation package. (Why not just send it to save time?)

3) A few weeks drip by, then you receive the snail mail identity package.

4) You have to fill out a form and go to the post office and show id, to confirm identity, then snail mail the form back to them.

5) They then send you out a notification that your identity has been confirmed and you will be receiving your pre-paid card shortly. (Again, why not just send the damn card.)

6) A few weeks later your card arrives.

The whole process takes close to 3 months, during which time they are earning millions in interest using your money combined with tens of thousands of other customers.

Once you spend the deposit amount, you'd think your balance would be $0, but no. They post your balance as (ex: $300) then when you charge say $21, the balance goes to say $321).

You then receive a statement stating your balance of $321, and showing a minimum payment of $21. So you pay the $21 and on your next statement see that they charged you say $5.01 in interest. So even though you made the minimum payment of $21, they charge you an over-limit fee of $29 because the INTEREST charges sent you over-limit. Now remember, this is a pre-paid credit card, so in reality you only actually owe them $5.01 in interest, but they ding you for $29 anyway.

So then you figure out they're a bunch of crooks, so decide to close the account. You make a final payment sufficient to cover all current charges and interest and a few days future interest, for good measure. You even record the conversation using Skype Recorder of their rep telling you that the account is closed and there will be no further charges posted. You assume that with your payment of $ 31.01 ($21 + $5.01 for interest + $5 for a few days interest, just in case), that your total statement balance of $326.01 will be paid out ($300 of credit coming from the $300 deposit you gave them when you opened the account).

But no. Capital One Pre-Paid Credit Card has more dirty tricks up their sleeve. They then continue to post charges to your account, then charge you the $29 overlimit fee and punch you in the face by telling you they won't close the account until your balance is paid off in full. i.e. Even thought they have $300 of your money, they want you to send them $300 + the $5.01 for the unauthorized charge, plus the $29 they illegally charged you on an account their rep. told you was closed when you called in to close it.

So they expect you to pay them $334.01 out of pocket to close the account, and then wait for them to send you back your deposit of $300. Capital One Pre-Paid Mastercard are a bunch of evil ### who should rot in hell forever for intentionally plotting how to maximize their thefts from people who are struggling to rebuild credit by using a pre-paid mastercard. Avoid Capital One Credit Cards like the plague.

In the take over of Chevy Chase bank I was forced to be a Capital one customer.
Although I talked several hours with 5-8 representatives for several days the bank could not provide me an internet access to my account.
Till now I do not have such access, and I became a prisoner of Capital One bank.

I talked to capital one auto loan that I have a car loan through. I asked for a extinction they said I am eligible. They had me sign a paper which I did. They said I had to pay a 35 dollar fee. I said I would call back last week to pay which I did call back, the agent said don't worry about it. But then they took out my pymt. I talked a agent today sept 16th they said oh you didn't pay the fee, plus your not eligible. I am having surgeries is why I asked for help in the first place. Everytime I call they are Ruid I got hung up on by a supervisor today. I am so sick of the way I get treated by them. I wish somebody would call me that is over the supervisors that are over the agents.

Capital One has just taken over Chevy Chase Bank in the WDC area offically this Monday Sep 13, 2010. Being a former CCB customer, I have been experiencing nothing but problems this week. They include, missing acounts in my online profile, failure to close a matured CD, large balance requirements and service charges to two of my accounts without warning, and accounts frozen for no apparent reason. In addition I am also not able to use my ATM card which was supposed to be valid till I get the new Capital One card. Since Tuesday, I have been on the phone with various bank personnel as well as visiting the local branch all without success in resolving the issues. I've been told by the bank staff that I am not alone, that many CCB customers have been affected by similar problems. I have never seen a takeover that is this problematic and the worst is I don't know if there will be an end to it or if it's just the beginning of many more problems to come.

For the past two months Capital One has NOT sent us a billing statement on our credit cards...we've had these cards for several years and have never been late last month I caught it and paid by phone this month it got past me..and I didnt realize I had'nt paid until it was late...I don't know what's going on...I'm asking them to remove any negative statements from my accts if they don't I can live with out their Credit cards...anybody else experiencing this... not recieving your statements? Thanks

The protection play from capital, made two unauthorized charges on my credit card. I pay 10 dollars a month for that plan, and when I lost my job on 2009 then help me pay the penments till I got a new job it was arount 300 dollars but when I started pay my account again the charge me every single panny yhe had put on my account.

I have received numerous calls from Capital One Auto Finance since June, 2010 (I'm writing this August 4, 2010). They call my home beginning around 8:00 a.m. until late in the evening. They are looking for a person who I've never heard of and who does not live at my home. This person has the same last name as I do, which is a very common last name as common as Smith or Jones. I've told them several times that the person they are looking for does not live here so take my phone number off of their list. Of course, they continue to call! I've never had an account with Capital One or Capital One Auto Finance (and I never will)! What's ridiculous is that they're never going to get a dime from the person they're looking for because they're not calling him, they're calling me and they're certainly not going to get a dime from me! I'm taking photos of the calls as they come in and recording all of their messages so that when I have enough to prove harrassment, I'll turn all the info over to an Attorney. Keep the calls coming Capital One Auto Finance!