Capital One reviews and complaints 4
View all 1031 complaintsCapital One - bad policies regarding charge disputes
I ordered a product via online through my phone for $206 in September, 2019. A day or so later, I received an order confirmation which concerned me because it came from overseas. I then researched the company further online to see that it is a company that scams the consumer.
I refused the package and it was returned. I put in a claim thru the Capitol One website to dispute the charge. The merchant had invoiced me for the total of $206, BUT split the charge to my credit cards on 2 separate charges.
The merchant supplied documentation to Capital One to show the charge was valid but provided incomplete information by not showing that the item was returned to them. (In actuality it was). Part of the same 'scam' approach.
The issue with Capital One is ... I provided documentation to them that the merchant actually did receive the package in return, because I did refuse delivery in accordance with the merchants policy. Capitol One gave me credit for one charge and re-billed for the other. They split the issue into 2 different investigations because the merchant the one invoice into two charges.
I contacted Capital One by phone and I explained to them the situation. And even though I made them understand that they cleared the one charge with the merchant for the same issue, they informed me that I will need to provide the same evidence again for the other charge because that is their policy. This is utter nonsense. They have the evidence in their system to show the package was returned but I have to provide it again for the other charge.
It seems to me the merchants know how to manipulate the system to their favor; and in doing so, hope that the consumer does not take notice on their bill. This issue has taken is going into its fourth month from me and has taken well over 6 hours of my time.
Now I have reached the point that I have to ask myself ...
"Whats in my wallet?"
and...
"Do I really want it there?"...
Capital One - Banking/credit card
I just got phone with customer care regarding my credit card with capital one. I have been a customer since at least 2004 and have never had an issue until today. And it's making me think I should just all together switch banks. I have had this credit card since 2004 and I believe I have about 1800 in credit available. Every other card I have is at least over 5000 up to 23000 and none charge me a yearly fee and offer no incentive to use it such as cash back or travel rewards. I need someone with the Authority to waive this "membership fee" or u really have no choice but to switch to another bank. Maybe perhaps Bank of America where I work but have been loyal to capital one because until now I've always been taken care off. Thanks so much and please feel free to reach out via email [protected]@yahoo.com or my direct line [protected]
I have had my credit card since 2004, I have never had a line increase and I have paid a membership fee for 16 years. I called last year to ask to have the yearly fee waived and was flat out told no, I asked to speak to a manager and was also told no. I then called back a few days later and spoke with someone who was able to upgrade my account to one that was supposed to have at least cash back and no annual fee. Today I logged into my account and saw a fee for my credit card, this card has not been used since 2016, it is absolutely absurd that I should be paying an annual membership fee after 16 years loyalty via my credit card and checking and savings. I called customer service today and was told they have no record of that call and there was nothing they could do to help me. So, during covid and with all the years I have been with capital one, no one is willing to bend slightly. I asked the rep to cancel the card and she had to transfer me to someone else, this was a cold switch so I had to again explain myself and then be told no again. She started to close my credit card and magically the call got disconnected and of course no one called me back. I actually work for a very large competitor and at this point I think I will be switching everything over, not just because I would be covered as an employee but because capital one clearly has no interest in keeping long term customers.
To sum up, I have had this card for 16 years and never had a line increase, the limit to this card being 1800 is completely useless as every one of my other credit cards have at least 8000 and at max 26000. They all provide adequate rewards programs; my line of credit is increased almost every year and no annual membership fees. If someone can’t get back to me to save customer soon, I am just closing it up and moving one. I never ask for anything from this banking institutions and I'm realizing capital one is nothing but a toxic relationship.
Capital One - payment plans
First of all I am appalled at the employees that work in your call centers at Capital One. Not only do they not listen (or care to), but they are completely unwilling to be helpful or even kind. My understanding of a “Customer Service” Rep was just that – to help customers. Apparently this is not the case at Capital One.
I recently got a 2nd salary cut ON the same day my Capital One raised my interest rate to 22.9%. I had been going thru a hardship for almost 6 months now. I have mortgage that I am trying to modify and now my 2nd salary cut that I am trying to deal with. I have stopped using the card as of Dec 2009.
On March 23rd I spoke with Neele and told her I was unable to pay the minimum payment at such a high rate and would need to discuss a payment plan with someone. I told her I was only able to afford $100 a month. She said that was fine and would adjust the account.
On March 26th I went online to pay and payment was still $195. I called again and spoke with Anna (R4aE015) who wasn’t listening to what I was saying and was robotic in her answers. She said there was nothing she could do and transferred me to an Account Manager
I than spoke with the rudest, unhelpful employee I have ever dealt with, John (PKX791 – he was hesitant to give this to me by the way) who was not listening either. I explained my situation once again and told him I was being proactive and trying to set a payment plan so CP One could get there money. He informed me that if I didn’t make the minimum payment of $195 – EVEN IF I MADE THE EFFORT TO PAY AT LEAST $100 – after 90 days my account would be considered delinquent. I wanted to clarify this with him, because I can’t imagine ANY company not wanting to work something out with a customer WHO was at least trying to pay off her debt. He clarified that there was no point in me making a partial payment, since if I didn’t pay the minimum my account would still be delinquent.
After that, I realized that there was no point in wasting my lunch in talking to someone as unhelpful as John, and that is why I am writing a letter to CP One and the OCC.
I can make $100 payments until the account is paid off. I have been a member of CP One for more than ten years now. At the time with a mortgage and a car payment, I can’t afford anything else. I am trying to do the right thing and pay off my debt, but at now making $20/hr – this is all I can afford at the time. My other credit card Bank of America was more than willing to help me out and put me on a payment plan.
If Capital One refuses to work with me than I don’t know what else to do.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree. I also owe Capital One and I was over my limit. I am making at least more than the minimum payment each month. I was working in a temp job, which became full time recently and I could only afford a little over the minimum. However, their so called call centers, WHO ARE NOT CALLING IN THE UNITED STATES BUT IN INDIA, kept harrasing me and putting a proverbial gun to my head to force me to make a decision regarding how much to pay and to set me up in an unrealistic payment plan. I have several times hung up on them and threathened them with a call to my attorney general's office, which kept them off my back for a while. Now even with a little over the minimum being paid and I'm still over the limit because of these bs fees, these ### have put me in collections. Plus the collection agency when they called me asked outright after asking if they were talking to me for my DATE OF BIRTH! I don't believe this is right and I told the women twice that I don't believe in giving that information over the phone. She still was able to pull it up. At the moment I am ready to start paying this sucker off and to tell them to go to hell in a handbasket. Their customer service reps in INDIA are disrespectful, inconsiderate and unwilling to help or understand the situations that some of us may have. I worked for a rival financial institution which does not exist anymore for three years and I can tell you this...CAPITAL ONE SUCKS and all of their employees should go back to training for manners and how they treat their customers. That's my two cents.
I also owe Capital One Bank. I have tried calling them and set up a re-payment plan so that my payments would be lower and all late fees would stop. And th APR would be lower. The other three cerdit cards have agreed to the payment plan. Capiital One will not agree to a payment plan. The people at customer service do not understand and really do not care about the customers. When I do get them paid off and get my other credit cards paid off I am going to close out the accounts and just start using cash. The banks just do not care about their customers any more.
Capital One - terrible service and company in hole
I found a couple of charges on my Capitalone credit card that were not written in the terms when I signed in online. First one is Payment protection service. It charged me 1 % of what I spent on the credit card. I found this charge on my third day and immediately called [protected] to cancel the service, so the damage was comparably small and was around $2, but if I was too late, the damage could be insane. The more you spend, the more you pay.
Second one is Creditinform service which charged me $5.99/ month. I found this on my second month, and called [protected] immediately. The phone operator surely agreed to cancel and refund. It's been three weeks since then, but I haven't received the refund yet. I called them again and they told me that it is in process and takes around one billing cycle (it means probably a month, but they can't promise...) to refund. I recommend asking the name of phone operator, confirmation# and when you can get the refund.
If you got a Capitalone credit card, first thing to do is to call [protected](Payment protection) and [protected] (Creditinform) to cancel these things in advance unless you want these services. Don't forget to ask his/her name and confirmation#, and watch your online account at least twice a week to make sure that there is no other unexpected charges. The customer service was quite annoying. Probably the phone operators are paid for taking at least 5 minutes to tell you all merits of these services, so be patient if you can.
I am going to cancel this card. I can not trust them after these two unexpected charges and am tired to watch the online statement everyday and calling the customer service every week, too much work just to make it right. One more thing, their due date of payment is very random. I asked them the rule of the due date, but they could not tell it. If you enrol to online statement, they don't give you any notice and the due date just sneaks up randomly. I asked them to e-mail me to notify the due date though, the answer was No. My other credit cards do this though I didn't ask. That's another reason that you have to check online statement pretty often.
The complaint has been investigated and resolved to the customer’s satisfaction.
We received an email (!) from Bank of America announcing that our mortgage had been transferred to Capital One. We contacted Capital One and asked for information on this and were promised a welcome packet. Which never arrived. Now we're getting phone calls telling us that our November payment has not been received and asking us to provide payment info on the phone. We don't even have an account number! And we're not going to hand over personal info to someone calling us. We asked for a number to call back. It does NOT match the contact number on the Capital One website, but we thought we could get them to send the welcome packet. They would not do so until we provided the personal information! And became extremely rude from the moment we reached them. We tried to call the number on the website, and they pushed us through all kinds of phone menus, finally stymied when we were asked to enter our credit card number (we don't HAVE a credit card with Capital One.) If this isn't emblematic of what's wrong with banking in America, I don't know what is.
I am receiving numerous calls every day from Capital One Auto Finance since June, 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. The person they are looking for 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 are never going to get a dime from the person they are looking for because they are not calling him, they are calling me, and they are certainly not going to get a dime from me!
Capital one used fake marketing schemes to apply for credit card .
while talking to one of the agent, he assured me the card is 0% on everything for 12 months
i even asked him to check it and he gave me the link and encouraged me to apply for it . I got the card in the mail and called them to make a balance transfer and they told me it is not 0% on the balance transfer .
They use false techniques to make people attracted towards their card, and make people apply for it and once after the account is created they say differernt things .
My wife & I have a Capital One Visa and a Mastercard. We have had these cards for a long time. I make our payments online and am NEVER late. I also pay at least 3 to 4 times the minimal payment amount. We just received notification that Capital One is raising our APR by over 4%. This is absolutely ridiculous. Because of the current state of our economy, I could maybe understand a raise of 1%. It seems to me that they are trying to make up their losses by ripping off the people that pay their bills on time! I was told that if I didn't agree with the change, they would simply cancel my cards! I also believe that because of the changes in laws to control credit card companies that are supposed to be coming, they are getting their gouging in early. I doubt that the new laws will be retro-active and they won't have to reduce the APR.
This is one credit card that is the biggest rip-off of the American public...I guess that's how they can afford to air all those commercials on television. I paid off the balance on my credit card and was still charged $76.00 more for interest. THIS IS ONE CARD I WILL NEVER HAVE AGAIN...They are nothing but thieves. Oh yeah, one more thing...if you ever have to talk to them via phone...you can just about make out their english...WHAT DOES THAT TELL YA ?
made payment from ameriquest morgage co of california to capitol one they cut the check and send it direct to them capitol one mortaged my house back in 90 to pay all bills over 10, 000 worth they ameriquest wrote all checks out payable to all diffirent companys inc capitol one and mailed them direct to them in there name check with ameriquest for all details about full payment frank majewski bx 137 ft hunter ny 12069 acc no52910713611009323 prplroz3@gmail.com thank you
I still have my papers for when I started my account with Capital One "No Hassel" credit card in October 2003. I signed up for a fixed rate of 4.99% for the life of the card. I started looking closer to my statements this month and noticed that the rate was 9.90%. I called customer service and got this spill about them sending out a notice in February of this month regarding this matter. They said they never got a response from me, so they went ahead and discontinued the 4.99% rate and started the 9.90% rate. I told them that I would have been stupid not to respond to something like that in order to keep my fixed rate of 4.99%. The would not refund me any of my interest over the last 6-7 months where they charged me 9.90%. I did not think they could do this without my written signed consent or something. I am livid and very upset. I will never use Capital One again. Is there anything that I can do? They should not be able to do this to any customer. Especially when we have proof from the papers that I have stating 4.99% fixed rate. They should be made to keep this agreement. They sure would expect me to keep an agreement.
Thank you,
Marty E. Ault
I had cancelled my card back in 2010 once it was paid off. They never cancelled and then proceeded to charge an annual fee along with monthly late charges. I have asked over and over again for transaction details being account is closed not able to pull of line and there is not one person at that company that will provide me with this. Now... they are garnishing my wages weekly in the amount of $141.00. Over $1500 in annual fees and late charges. I am not able to get anywhere with their customer service team and extremely rude every time i have contacted. Next step... Attorney Generals Office to file a consumer complaint. I have heard of them doing this to many people i know personally. Sad Sad Sad company!
i have written and called about me accountsthe poeple are not very helpful and they do not care. I have canceled both of my cards I have sent them back, they were not actived amd they are adding charges to my account every month that i do not owe. they are charing a over the limit fee which they are causeing how can they do . I have not use these accounts for three years. I have paid anywhere from 50 to 75 dollars every month please can you help me as I am 69 and retired. iam paying this bill every month and getting nowhere
Consumer beware...Capital one loan and credit card, started as a low interest rate and very good company to borrow money from.(At least I thought).
It started when I went on Vacation and I was blocked from using my Capital One, credit card.I was never over the limit and always paid triple on the account.
Out of no where, the interest rate was double ...I paid the balance off quickly, only to find out they wanted back interest.The interest had gone from 9.65 to 26.6%.
This company is not rational and should have been regulated, to stop practices like this.
I called and told them to take the card and cancel it and I also found to my surprize, a better interest rate with my Bank on a loan.
The consumer needs protection and should be protected from outragous companies, like this.
Just beware of Capital One.I'm sure we will be reading a lot about them.
Can anyone tell me if Capital One is American based company and why the Government doesn't step in and get control of businesses, that tries to rip the consumer off?
I haven't figured out why a business like Capital One, would want to run away, someone in good standing...
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