MCLEAN, VIRGINIA -- WAY TO GO CAPITAL One CREDIT CARD COMPANY - First off Capital One is only out to destroy people! And what you are doing is condoling Capital One and all the financial company to do so by this action. As far as I am concern Capital One raised the credit limit on their own! I found out that Capital One seized my account by attempting to buy groceries for myself. Not only was I surprised I was humiliated by Capital One's their actions by doing this! I also do not have any money to put gas in my car nor attempt to pay bills. Also, not able to have food on my table until this issue is resolved. I have not eaten since Saturday May 2nd.
I would like to know what you are going to do about this. It burns me up that these people as humans can condole this! As far as I am concern, this financial company is out to destroy people. I do wonder how you can personally live with yourself as a person. I do not wish harm on anyone since I am not God to judge! But I will pray for these people to be judged. Not only have you frozen my account, but you have frozen my pension money! I am very upset that Capital One has not even returned my call for the last three days with answers to this matter. I have been told with one conversation that they will return my call within five to ten days.
I am not sure what it take to have compassion for people. With no food, not being able to get to work! I would never be a customer of Capital One as a whole ever again. Capital One seem to be very proud of what they are doing! All they have to do is really look on the Internet and search many of the negativity about Capital One! I have seen a very unbelievable complaint about Capital One about a family losing everything and are homeless because of Capital One. I have to say that I do believe what people write about Capital One as review! The only reason is what they have done to me! Please everyone boycott Capital One as a whole! Stay away from these people!
I opened a secured card 33 months ago, made every payment on time and decided I no longer needed the card. I called Dec 16th to cancel and ask for my deposit to be returned. I was told 14 days, however I needed to call back in 5 days to verify the account had closed. I did that. I was then told no refund would be issued until 15 Business days. I called back and was told "No sorry that was incorrect." I needed to wait 9 more business days. A complete mind game as they continue to lie and apologize for the fact that they have my $2,500 dollars and I will get it when they feel like it's time for the game to end. NEVER USE THIS SERVICE, THEY ARE DISHONEST LIARS.
ATLANTA, GEORGIA -- It started out with a $300 Visa offer with a opportunity to bump after 5 months. After 5 months got a bump to 2300. Then another within 5 months to $4300.00. Next, I was sent a pre approval for a Quicksilver Visa with a CL of 3000.00, then a Venture One with a CL higher than the other two combined!!! My credit score has increase by 100 points since I started my relationship with Capital One and I'm so loyal to them!!!
One thing I will point out, I paid my bill sometimes twice a month and at a much higher amount than the minimum payment. I have read that paying higher than the minimum also shows a creditor that you are able to pay more if your credit line is increased... it worked for me! I'm so grateful that Capital One gave me a chance! My interest rate is in the middle... definitely under 18 percent! I have always been handled with respect and professionalism! I love what's in my wallet!!!!!
I have been a Capital One customer for years. I have always paid my credit card bill on time and normally a payment well beyond the required payment. On January 7th 2011 I was contacted by the Fraud Division of the bank. They were inquiring about 2 large charges that I had made. I confirmed that I had made the charges, so everything was business as usual. I later received an email confirming my conversation with the Fraud Department.
On January 14th I attempted to charge $135 worth of rodeo tickets by telephone but my Capital One card was declined. I contacted Capital One and was transferred to the Fraud Division. They informed me they had placed a hold on my card due to suspicious charges on my card beginning January 12th and continuing almost to the time I contacted them.
The charges were for a rental car in Arkansas,(I live in Texas) and then on the same day several charges in the United Kingdom. This is what set off the bells in the Fraud Department and a hold was placed on my card. I informed them I did not make any of the charges, that I had been scammed, (them too) and that I fully understood why a hold had been placed on my card and happy they had.
I was informed my current cards would be canceled and new ones re-issued, and since I was such a good customer the cards would be sent out in 2 days instead of the normal 5-7 days, and I would be given an extra 1000 "Bonus Points" for my trouble. I was satisfied with the whole experience until the Fraud representative told me my account showed to be out for collections. He could not explain why as I had never been late with a payment, and in fact it showed they had received a payment of $2000 the day before, which is true.
Here is where things really go down hill fast, and makes me think that someone at Capital One is the actual scam artist. I'm transferred to the Collection Department to ascertain why my account is in collections. I'm informed by them that I, (yes, I) have placed a "Cease and Desist" order on the bank not to contact me, so my account automatically went to collections. I informed them I never did that, and why should I, since my account was, and always has been in good standing. The representative had no answers for me, but would have to once again transfer me to another department to have the order removed.
This time I'm transferred to a gal who is the type you always read about as the service representative from Hell, a customers worst nightmare, someone that would be better suited in life working with dead people in a morgue so as not to torture the living. First she comes off with an attitude that I'm some kind of deadbeat as I put a "Cease and Desist" order on my account which I had not. Then she wants to know why I had placed such an order, which I had not. Then she refuses to tell me when and who placed such an order because of "Security Reasons".
Then she refuses to give me the name of her supervisor for "Security Reasons", and also refuses to transfer me to that person, "as they won't be able to help you anyway". It was obvious she was trying to control me and the conversation, but having been a police officer for over 30 years in a large city that wasn't going to happen, so she finally let it slip that the order was placed on my account August 30, 2010, but refused to say who placed it, only saying it may have been placed in error.
By this time I was worn out, having been on the phone for 1 1/2 hours. I finally convinced her to remove the order, but then she had to add insult to injury and told me I would have to speak with Customer Service to have my new cards re-issued. I told her of my conversation with the Fraud Dept. and they said they would be sent out in the next 2 days. She informed me (like she was doing me a favor) that she would authorize new cards to be sent out instead of customer service but my waiting time would be 5-7 days, not two, take it or leave it.
If a "Cease and Desist" order was placed on my account why was I contacted twice by the Fraud Division and also sent emails by them, even though I hadn't placed the order in the first place? Why have I been able to use my card since August 30, 2010 if my account had been sent to collections at that time?
Why was I refused the name of the person who placed the cease and desist order, or even the date when it was placed, even though I am the only account holder? Why was I refused to speak with a supervisor, or even their first name? Is there someone within Capital One that placed the cease and desist order setting be up for future scams? If anyone out there can answer any of these questions, I'll be glad to listen. Thanks. Confused in Texas.
CITY OF INDUSTRY, CALIFORNIA -- Oct 5, 2013 my brother was beaten to death by 4 men, one with brass knuckles. His wallet and cell phone were missing when ambulance and police arrived. I called Capital One Bank and requested an increase so I could purchase a ticket to get to my brothers funeral and support my mother and father since I'm the oldest. I have had this account since Apr 2007, never late and I was just asking because I needed to get home. My brothers body was held for two weeks because it was part of a crime scene. I finally borrowed the money to get home.
As consumers we have to stop doing business with those that only lets the money flow one way, into their coffers. I called a few days later and I canceled both accounts. I have been a great, on time paying customer for 7 yrs on the one card and only two on the second. I know they won't go out of business by me taking mine away, but at least their bottom line won't keep getting fat by me since I'm so undervalued. I have a credit card still, but not with them, that's a personal problem I know but I still feel as though since I have been paying bills on time I shouldn't have to wait ten days as I was told by the rep. Since my brothers body was held I did get to attend his funeral.
My mother has lost it and cries nightly about this senseless act. I don't know how I got through it, but I know I don't care for Capital One anymore. Sorry experience, very sorry customer care I think, a multibillion dollar company can't see to take care of those responsible customers that's the reason for their solid growth, not good at all.
I have had a Capital One card since 2003. I recently moved to a different town and received a forwarded bill from Capital One informing me that I owed a $39.00 membership fee by July 21st. I immediately contacted them to update my new mailing address and was informed that now since I did not pay my membership fee on time, I was now being charged a late fee!! I explained that I had just received the letter in the mail that day and that there was a post office delay due to my forwarding address, I also explained that I did not have a chance to update my new address yet but had a zero balance on the account so was not worried about it.
Despite never having paid them late in the 10 years I had the card, they treated me very rude and unprofessional and told me I should have known my membership fee would be due. When I told them that I was a single parent and did not have the extra money to pay for fees I was told that there is nothing they can do to help me. One supervisor hung up on me because she could not effectively justify the fees and her script did not have answers to my questions. I had asked her if she had a Capital One card with a yearly fee and if she felt that it was fair to make me pay a fee in addition to the interest I have paid over the years when I have used the card.
They deducted $10 from the membership fee, but I still had to pay them $29.00 by phone to avoid getting a negative report to my credit bureau. I had told the Capital One representative that I was going to be voicing my horrible experience and cancelling the card. She responded that it was my choice to do that but it wouldn't change my balance that was immediately due. Unfortunately one of my other credit cards was recently bought out by Capital One and I am not happy. I am making this card my first priority to pay off and never ever do business with them again.. ever.
LOS ANGELES, CALIFORNIA -- WARNING: DO NOT USE CAPITAL ONE CREDIT CARDS (Venture Card). I had the CapitalOne Venture card for 4 years for the promise of no annual payment, no foreign transaction fee, and award miles for Travel. First of all, they ran my credit twice on the application - which does negatively affect your credit score - and then could do nothing to fix it. When that ordeal was done with and I was excited that I had used the card and built up a little more than 35,000 award points to redeem I was disappointed to discover that they were next to useless, and far less valuable than advertised and hoped.
I might been OK with the fact that I was getting next to nothing out of the loyalty program (where anywhere else 35,000 miles was enough for a round trip ticket in the US and then still have 10,000 miles to spare) since I didn't have to pay anything to keep the card open, but then the customer service, was absolutely awful. By far the most unprofessional people I have ever spoken with, and didn't even care to assist me with an error they made because I made a payment after day-30 on my account - which they automatically report to a collections agency the day that you do not send payment, so it immediately affects your credit score.
Word of advice, if you are going to use this card, be very careful to never be even a day late, because your rates will instantly skyrocket (despite what they might tell you when you're signing up for the account). They cannot reverse it, one it is sent to collections, and will not warn you no matter how many hears you have been there, or how small the amount.
I recently went through this over $7.25. Frustrating to say the least when there is not so much as a call or letter advising that a payment is past due after having had an account with them and paying on-time, in full for over 4 years. They have my email, my cell, and my address, and advised that they do not notify you unless you specifically requested to receive these types of notifications in advance, and they do not care about hitting your credit score, even if you are just one day late on the month, regardless of the reason.
There are a lot of great credit card options out there, and tons with travel benefits, no annual fee, nor foreign transaction fees. Use a company that you can trust. Personally, I love Wells Fargo or Chase and will keep my accounts there. Even the credit cards that do have the annual fee are worth it, just for the piece of mind that you and your finances are in good hands. AVOID CAPITAL ONE AND PROTECT YOUR FINANCES AND CREDIT.
I have a Capital One 360 savings account that I am closing because of how awful the Capital One Credit Card treats people. I would have never believed this would happen to me. I went to use my card and found that it was in collections. I had paid my card off 8 months prior and had the card sitting to the side. They allowed deductions to be made to my card and never sent me a paper bill. It came to me via email which since I have the other account with them had been automatically filtered to my savings folder. They did not try to collect the money owed from me - I never received a phone call. It turned out that these charges were auto deductions as I am told by the card services representative.
One of the auto deduction was from QVC and was for a two time purchase - in other words it came through 6 months after first purchase. This is not a charge you think about. It was a mistake on my part that I must have signed up for emails instead of paper but once you have a person who consistently pays on time why wouldn't a red flag pop up that something is wrong here? They wrote off the $$ amount and put my card in something called a charge off and then reported me for an n9.
To this day I have never seen a bill. I did pay the entire amount off immediately. However, they ruined my credit by not corresponding with me. I was someone who made payments regularly for large amounts $700-$1200 payoffs. Then 50-60$ charges start coming through and they don't shut my card down they let it build while no payments are made. Awful company to deal with - I wish I had known how bad that they were - I hope someone sues this company for what they do to people.
My theory is that they can write off non paid debt under $1000 and that they somehow get tax credit. It must be worth more to them to not collect and tarnish a persons credit record than to collect when it is such a minimal amount. I had an 8000$ credit limit with them and a perfect credit report. Please do not open a card with this company. They do not care about you. I am closing my savings account with this company.
LOS ANGELES, CALIFORNIA -- I'll start by saying I have had a Capital one card for at least 10 years. I've been happy using it overseas, but unhappy about the APR issue and finally challenged them over it several times this week. I think you should be made aware that the 11.9-19.9% APR range is a scam. That's the only way I can describe it, seeing as it doesn't appear to be possible to get it lowered below 19.9%.
When I called to ask why my APR was 19.9% even though my credit score is about 825, they told me it was because it was all they could offer me. No 'body' on the phone would even discuss the 11.9% or tell me what I had to do aside from having a good credit score to get it. I called several times over several days about the issue just to be thorough, and I got the same stonewalling each time.
I eventually had to hang up and call the 'new cards' line pretending to be a new customer wanting the card to be told anything about the APR. They told me that the APR was decided based on my credit. Surprise surprise! So, the application line says its given based on my good credit, but the customer service line says I can't get it lowered from 19.9% even with my 825 credit score.
I just want to share my very disturbing personal experience with everyone. When I call each time, I get an overseas call office that sound like they just want to read off the screen. When I repeated my question clearly asking "what does it take to get a lower APR" the lady at the other end would just get confused and say they were giving me all they could give me. Total Stonewalling... and as I hope you are starting to pick up.. pathetic excuse for customer service.
I emailed them at my account on their website too and they said they couldn't help me but to call the number. I did that 3 times just to give them a chance. I have a witness who was even on one of the phone calls with me (who, after hearing their bizarre treatment of me as a customer, no longer wants to get one of their cards by the way!) I think everyone should be fully aware of the TRUTH rather than the facade. Thank you.
LOS ANGELES, CALIFORNIA -- I have a platinum Capital One card I wanted to used to rent a car because it provided insurance saving me $20 a day with the rental agency. At the airport while out of town I called the credit card company to pay down my balance enough in order to have the funds for the rental transaction. I was told the only way for it to go through immediately was to pay Western Union or moneygram and call them back with the transaction number, all other methods would be the next day.
I was fine with this and found an airport terminal with a Western Union where I set up this transaction paying over $400. I called back with the number for it to go through to be told it would not go through for two more days. My account had been over balance for 28 days which could not be released. So the lie by the first agency was in order to trick me into paying off my entire balance when I could have just paid them $80 as my regular payment. They tricked me into spending all of my travel money on the card that was not unavailable to me.
Also I had to pay for the rental car agencies scam insurance (I don't own a car and have private insurance). This cost me another $20 a day for the length of my trip adding up to another 200. I can't split the rental into different transactions and it must go on that scam of a card with Capital One in order to get the insurance. The agents the second time around told me first it would be available tomorrow then realized they were again correct and it would be available in a few more days because of the cut off time and weekend.
In response to stealing $600 dollars from me and ruining my vacation they gave me a $35 credit. If I had not been lied to in the first call I would have just had to pay the expensive insurance and be done with it. Now I have paid off a credit card and paid for the expensive insurance because they are scam artists.