Capital One

After I purchased a brand new 2007 Lincoln Navigator, my employment circumstances changed dramatically. I managed to make my payments on time for almost one year, but when the payments fell behind, the phone calls came in non-stop - some days in excess of 10 to 20 times! Although I have not counted, it would not surprise me if someone counted the calls and they exceed 2,000 calls in three years. Even when I make payment arrangements and repeatedly mention that I drive trucks and should not talk while driving, they still call.

While continuing to make payments in March 2011, they approved me for their "hardship program" which would lower my payments and add the balance to the end of the loan. The rep told me my next payment would be April 21st. My vehicle was repossessed on April 13th and was sold on the 20th. I don't know if any of their collection actions were illegal or not. However, if payments were made within the weeks leading up to the repossession, they could at least have the decency to work with me. After all, it would not have been in my possession for four years if they did not see consistent effort. All I can say to the collections department at Capital One auto finance is be careful how you treat people! I paid almost $50,000 on that vehicle before they came and took it!

My interest rate skyrocketed last year from around 15% to 22.90%! I called them to complain because I have a credit rating between 680-720, depending on the agency, had the account for 9 years and never missed a payment. They reduced it temporarily to 12.9% for the next 7 months. Now, as it jumped up again to 22.90%, they wouldn't do anything. Because I had been holding onto this balance while I was paying another off at higher than 12.9%, I simply decided to close the account and seeing as the interest is 22.90%, I will just make it my priority to pay this one off first.

What was really funny though was that they didn't even try to save the relationship. I just said, "Okay, if you are not willing to budge, I will close my account." Then they said, "Okay, we can do that now if you'd like." Then I complained a bit more and she blamed it on the prime rate, to which I explained to her that I have a couple other CC's at between 13.9-16% and so 22.90% is not due to the prime rate. I am sure that I will be happier now without my AmEx!

Wow, flabbergasted at the lack of willingness to work with customers. Just want to say I am very happy that I am getting rid of Capital One. Horrible customer service when mistakes happen. I was TDY with the military and paid off credit card beforehand. The vendor, which was not supposed to be billing my card messed up, which they owned up to it which is good and I am willing to pay it even if they messed up. Capital One was unwilling to work with me on the late charges, even when I have been a longtime customer and others messed the transactions up. Even when this customer has been with Capital One for 10+ years. I paid off the card and closed it down. I will never work or do business with Capital One again. Please take me off from all advertisements, offers, etc. In the past, Capital One has not been helpful, had to open another card with another company that gave me what I needed. Very dissatisfied with Cap One policies.

I am going to see what I can do legally about harassing phone calls as amusement, I guess, by your inadequate employees who call people at home that don't even have a account with you. I have documented 127 as of these last two months. I have told them several times that the person they are harassing me about does not live here. So I want someone to tell me, why in the ** are you, morons, calling my number for?

This is harassment in the most vicious way because either you're brain dead - inadequate, poor excuse for an ambulance chaser bill collector - whatever your titles are there at Capital One. That is a joke on its own - claiming you're number one, the number one sorriest company in the world. Hey, you have found yourselves. I am going to document everything I have in regards to this matter and contact a lawyer. I don't care what it cost me but I assure you, scumbags, this: I will try to inform everybody I can what a sorry bunch of trash your workers are. I use workers loosely as I don't know what their position could be titled as.

I got a Venture card in the mail that I applied for and the day I got it, I called to have it activated but was transferred all around. So, I called the next day and they said that my account is closed because I didn't open the account. I have my valid ID, a work ID, my social security card, my medical card, also my JC Penny's and Kohl's card, not to mention my Don Roberto's card. I could have faxed them copies of one or all my info but the representative didn't want to hear any of that. She took it upon herself to decide and say it was fraud and closed my account.

I am not the first person that this happened to. There are 6 units here and my other roommates and neighbors say the same thing. I have been hung up on several times. That is bad business for this company and I will never recommend this company to anyone.

My vehicle was repossessed over a misunderstanding, but I paid everything that I was supposed to pay in fees. When I received my car statement, it had a fee of $365. When I inquired to Capital One about the fee, I did not receive a response. I would seriously like to know why I am being charged this fee. I have another fee that I have to pay which is late fees which is much less and I understand, even though I did not know that they charge you when you are late. But the bottom line is the $365. I want to know why do I have to pay this fee.

I activated my card and attempted to use it. It was declined not just once. But I tried again after speaking with RJ (he doesn't speak nor understand English) and it was declined. He could not understand that I had the travel planner on the phone while working with him. He wanted me to manually enter the number. Duh, how else was I going to do it? I plainly explained that I was on the phone with the company. After multiple attempts to clearly explain to him that I was on the phone with the merchant and that they would block all credit cards if I continued to get declined on this card, I just used a different card and said to just cancel my card. Again, he didn't understand this. I would much rather use a dependable merchant than this credit card. Also, that was over 30 minutes of my time that was wasted as well as the time of the merchant that I was doing business with.

I called back and spoke to another representative, who again just didn't seem to understand why I might be upset by the previous call. I just want to cancel this card. Finally, they transferred me to yet another rep who cancelled the card but advised that I would lose my rewards points. The card is not that rewarding and the Capital One commercials where they just keep transferring you is exactly how you are treated! When trying to explain to the last rep why I would want to cancel this card, I told her to remove my name from any mail lists and my phone number from any call list. She decided that I wasn't worthy of her time and hung up on me. Customer service at Capital One is horrible!

I obtained a secured Master credit card from Capital One in the amount of $800 limit. Two weeks prior to the payment due date, I was receiving email notices to make a payment, which I declined to do. Payment was due on April 6, 2012 and I paid the entire balance of $731.80 on April 3, 2012. The next time I tried to use the card, it was rejected. After a couple of online chats with bank personnel and a couple of phone calls, I was informed that a temporary hold had been placed on my card. Since I had no prior notice or reason for this action, I cancelled the card.

A week later, I received a notice from the bank that no part of my security deposit would be allowed to pay off any further debt transactions and my deposit would be refunded to me after sixty days of $0 balance. The card has been paid off since April 3, 2012 and since there was a hold placed on it, no further transactions were possible. Since this incident, I have closed my savings and checking accounts with Capital One. I am now with a local credit union.

I was in drive-thru cashing my payroll check from Lufkin Lanes, in which I'm a signer on that account. There was a new lady in the drive-thru. I did not have my tax DL with me, left it out the house this morning. She would not cash my check. That's cool, she did not know me but Nina who was standing beside did not tell her who I was. It made me come inside when it's pouring down rain outside. Nina had a bad attitude, dry person as usual. On top of it, I go to this bank everyday and it is the slowest drive-thru bank in Texas. I know it. You guys should really look into this, as well as your employees being friendly. If this doesn't change, we will take our business to BancorpSouth. Your choice.

I have been with Capital One for quite a few years now. I have almost always paid on time and paid more than the minimum amount. I've been late maybe 3 times in 5 years; once because their website was having difficulties, once getting back from vacation and once just screwed up. The screw up was this month, so my complaint actually is from before that.

I have called almost bi-monthly to ask if my interest can be lowered, for being a good customer. I got the run around every time. I'm switching my balance to another bank ASAP and I will never get involved with or recommend Capital One to anyone. In fact, I have become quite vocal to anyone and everyone about never becoming a customer of Capital One. Save yourself from corporate obnoxiousness and support a local credit union. They actually reward you for being a good customer. All my interest and everyone else's is just paying for the ridiculous amount of commercials that suck people in the first place.

I was trying to rebuild my credit. I had a Capital One card for a full year with a balance of $200, which I paid in full every month. Since my 1 year of service had gone so well, I decided to up my credit limit to $2,000. They said it was "quick fast and easy!" That is where the nightmare began.

First of all, they held the funds to "verify the funding source" for 10 days, which was ridiculous in view of the fact that I had been using the same bank for over a year. They said that this was for my "protection". How is it protecting me? The funds were transferred from my bank! The same bank I had been using. Nevertheless, my funds were restricted and a fraud alert was put on my card, which I didn't find out until my card was denied at an establishment. How embarrassing! I figured this was a onetime incident since I had jumped from $200 to $2,000 so I let it pass.

The next month, I go to make my payment in full once again, which was $2,000. I made the deposit on a Friday before noon and the site says my money would be available the same day. It wasn't. After waiting all weekend, I call that Monday. My bank had already taken the money out of my account, but Capital One had once again put a fraud alert on my account and I could not access my money. Capital One said it would be another 7-8 days before I could access my money.

In the meantime, they needed to be on a 3 way call with my bank, myself and them. I was furious, what a waste of time! During the 3 way call, I decided to just close the account. Fast safe and easy? This was not. I asked Capital One to lower my credit limit back to $200 since it seemed $2,000 was causing them issues. They said they could only take it back down to $300. I was like **, whatever. I said forget it. While still on the phone call, I told my bank to reverse my payment (cost me $25.00).

On the Capital One website, it said to close the account, to remove my funding source, which I did. 2 weeks later, I checked to see if it was closed. What they had done was imposed an $84.00 late fee and put, you guessed it, a fraud alert on the account. I called Capital One again. I was told I had to pay $84 to close the account. Sigh. What a mess. I'll never use Capital One again.

I made several purchases nowhere close to the $500.00 that was given to me. One day, I made a $45.00 payment; and they took out $450.00. It took almost 12 days to get my money back. Now when I make a payment on my bill, if the minimum due is $16.00, $10.00 or $12.00 goes toward interests and a small portion goes toward the balance. I think it should be the other way around. How come, card holders, they continue to rip you off? I hear a lot of complaints about Capital One, and when I tried to get my money back, some of them were very rude to me. They offered $10.00. I want an attorney to contact me.

I own and operate two businesses and am preparing to start a third. I write Capital One checks for purchases of materials and supplies for one of my companies. On April 3rd, I checked my credit limit on my card and the amount available to me was in excess of $6,200.00. I wrote a check and deposited into my bank account. I then purchased several thousand dollars of materials. On Sunday, I received an email from Capital One stating they would not be honoring their check and the check was returned as insufficient funds. My credit has now been adversely affected. I have been a member with Capital One for over 10 years and never - never has there been an issue of me not paying my debt on time and in full.

CAP1 stated my limit was decreased on April 3rd. I have a document from CAP1 that shows I had over $6,200.00 of credit available to me. I tried for over 24 hours to get someone to call me back from CAP1 and finally, after I was passed around for 7 hours, I was told too bad, so sad we cannot do anything to help you. This has crippled my business. I do not understand how a company can arbitrarily take something away without even a courtesy phone call. I have, or I should say had, excellent credit before this situation. Now, I have overdrawn fees at my bank, I have over the limit fees with Capital One.

My credit worthiness at my bank was so good checks I wrote were never held for 10 days. The check is deposited and funds are made available immediately. Now, I have no idea how long it will take for the bank to return my account to that status. Now funds will be held ten days. This can really hurt a small business. One of my businesses is running charter boats I have now placed a statement on my website that we will not accept Capital One credit cards. I wish more businesses would do this, perhaps then Capital One would understand what it means to be crippled business wise.

I have a Capital One credit card. I called and gave twice the amount of the minimum. I have two credit cards from my banking institution (one Visa and one MasterCard). I called and spoke to a live advisor and told him that I wanted to make a payment double the usual payment. They said I had insufficient funds, even though both cards are for one account. This is the second time I went through this with Capital One. So, now I'm stuck with over the limit fees with double the minimum. I am sick of it. I like to pay all my bills on time and it's affecting my credit rating. Please never get Capital One - not even to buy a roll of toilet paper.

I called to request my interest rate be lowered from the despicable 18% it currently is. The representative would not accommodate my request, and when requesting to speak to her supervisor, she flat out refused my request to speak to someone higher. She basically stated that she runs the place and that her boss didn't know how to handle customer service issues! I requested over 5 times to speak to someone higher, and she nastily would not cooperate. She even went on to say "You can call back and speak to someone else who will tell you no too!" What a nerve! she basically was trying to pass the buck onto another customer service agent, because she refused to escalate my call!

I used to manage a call center, and if one of my agents was to deny a customer an escalation of their call, they would be severely reprimanded. I am disgusted with the behavior and lack of customer service I received.

I was a very happy Chase Credit Card customer. Capital One bought out Chase last June. Customers were told all scheduled Chase payments would go to Capital One during the transition. I had a Chase payment returned to me so I made several payments to Capital One in a recent time frame. I made one $3,500 payment and then made a $3,000 and $500 payment on another day. Capital One did not credit me initially so they gave me a temporary credit (payment adjustment) for $3,500 until the money cleared the bank. I called Capital One when the amount cleared my Bank of America Checking account because I appreciated they temporarily adjusted my balance in the good faith that my payment was on its way. After my call, Capital One removed their credit twice.

I've been in communication with them since August 2011. I thought this was just a clerical error and I informed them they took back $3,500 too much. They actually blamed me for making payments in the same amount. I've spent countless hours trying to resolve this. Capital One has spoken to my bank and has received faxes from them showing what payments that I have made. Capital One even said that they returned a payment to my bank and the $3,500 credit should be in the account. The bank has continually told them that this is not the case.

While I realize the two payments of $3,500 and $3,000 + $500 have the same total, the accountants are unable to realize they (big company) owe us (every day consumer) $3,500. I can give dates, details and full access to my bank account and Chase/Capital One statements if you are interested in covering the story. Thank you for listening.

That may be the law, but reality at least at Capital One is another matter entirely. I opened a prepaid MasterCard debit card in the fall of 2011. Although I wasn't using it because I was approaching 45K points on my Amazon card and that translates to a Caribbean air ticket for up to $600, I kept adding $500 each month to the MasterCard so I would avoid the $5 monthly fee.

After three months, I was either prompted or I elected to change my password. After doing so, even it was automatically stored in my encrypted password manager, it wouldn't work when I tried to log back in. Apparently, their website only accepted a truncated portion of the long password I used, although my password manager can save a password of virtually any length. Of course, their website didn't tell me I used a password which was too long for them to accept. Even after several attempts to use the "Forgot my password" function to regain access, I was denied. I called customer service and told them I had been locked out of my account after too many wrong passwords, because that's what the screen told me. They said I wasn't locked out and they wouldn't change my password for me. I would have to use the method which had already failed several times. It failed again.

BTW, I'm an IT consultant and programmer. I have been designing and coding user interfaces and websites since before Windows 95 was introduced. I know how to use the forms on a website. In frustration, I gave up. After being hit with another $5 monthly fee, I decided to call and tell them to close the account. They asked if I wanted to spend down the balance (of course, because the collect a percentage from the merchant that way). I said no, I just want a refund check for my balance of over $1,000. I was told to expect the check within 7-10 days and that is precisely what they said. They never tell you to count only business days until after the check seems to be overdue.

Instead, I received a letter on March 23rd, the same day an email arrived, and both told me, "Thank you for choosing the Capital One Prepaid MasterCard." (Then in BOLD): Even though your card was recently approved, our subsequent reviews have triggered an alert and locked your prepaid card ending in ***. Until the restriction is removed, you cannot load funds onto the card or log into online servicing." Of course, I called to inform them that it wasn't recently approved, it was recently closed and to ask where my refund check was. Coincidentally, they told me an adjustment had been made on the day before (March 22nd) and a check would be going out the day we spoke, the 23rd, so I could expect it within 7-10 days from 3/22, again no mention of business days. After all, the USPS isn't that slow!

Instead, they mailed the same letter again on March 27th, and waited until the day the letter was delivered on April 2nd, to send me an email telling me the same thing again, "Thank you for choosing the Capital One Prepaid MasterCard." (Then in BOLD): Even though your card was recently approved, our subsequent reviews have triggered an alert and locked your prepaid card ending in ***. Until the restriction is removed, you cannot load funds onto the card or log into online servicing."

Why do they bother using email if they wait as long as it takes to deliver the mail before sending the email message anyway? Again I called, and after waiting 15 minutes on all 4 calls before I would speak with a person for 5-10 minutes to explain all of this, I was placed on hold, only to wait several more minutes before getting a busy signal. On the 4th call, I was told that I should wait until April 5th, which they claim is 10 business days from March 22nd. I haven't bothered to confirm their math, because their logic escapes me anyway. Why would a letter postmarked March 27th arrive on April 2nd, if the check, supposedly mailed on March 23rd, isn't expected to arrive until April 5th?

On the last call, I refused to be placed on hold until they had taken my phone number for a manager to return my call. Of course that may take up to 24 to 48 hours, but that would still be faster than anything else Capital One has done to refund my balance of over $1,000. I won't be surprised to learn later that she meant the call would come after 24 to 48 business hours. If I don't have my refund by April 5th, I will drive the 71 miles to the nearest Capital One and walk through the doors shortly after they open. I won't need a bullhorn for everyone in the building to here me, and I won't leave until I have my refund. Although the round trip is 142 miles and the travel time will be about 3 hours for the round trip, that's just how angry they have made me feel, even for only a little over $1,000!

Needless to say, I will never be doing any business with Capital One again. With all of the money the banks are paying their executives in bonuses, why can't they employ enough people to answer calls in less than 15 minutes. After all, they're already forcing us to wade through several layers of menus, trying to feed us pre-recorded or automated scripts, before we can even request a live representative. Better to waste our time than to pay a phone receptionist to answer the call and direct it to the appropriate department. That's what customer service is all about, wasting the customers time, as long as it saves the bank a few shillings.

There was unauthorized transaction made to my credit card. I put a dispute to the charges. Within 60 days, the dispute was closed; and Capital One Bank credit card company re-billed back to my account. I am dissatisfied with the dispute decision, and that company re-billed me again. I spoke with several managers at solution department, but no one helped me to resolve problem. Everyone was telling that I must pay the dispute amount and that there was nothing that could be done.

If I do not pay that amount, the interest would be applied every month; and finally, it would go to collection and my good credit history will become very bad. In order to avoid that from happening, I had no choice but to make a decision to close an account and no longer have Capital One Bank credit card, which I really enjoyed using and was very convenient. I like that card very much.

As courtesy and being a loyal customer, I asked to waive, remove, or give a credit for that unauthorized charge made to my credit card account. I was denied in very rude form from managers, who represent the great company Capital One. I am trying to get help from you in order to resolve the issue. Please help me to rehabilitate my credit history. I am asking a big favor to waive those unauthorized charges put on my account. Thank you very much in advance.

On November 21, 2011, my 2005 Dodge Caravan was repossessed. Arrangements were made for me to get my vehicle back. Upon receiving vehicle back, I noticed paint damage to front and rear bumpers. I advised Capital One and had a notarized affidavit, pictures (of damage), and written estimate mailed to Capital One via certified by USPS. When I called to follow up on my case, they said they couldn't find my correspondence. Now we're in March and Capital One is showing no sense of responsibility at all. My credit report also shows repossession even though I got my vehicle back.

There is apparently a finance charge on my account each month my balance is not paid in full. On March 8th, a payment was made to my account exceeding my minimum due by a sum of sixty dollars, yet my balance is only 20 dollars less a mere 2 weeks later. Now I ask how can this even be legal? I am responsible and make my payments on time, usually more than the minimum due and I only used my card for mostly emergencies such as propane for my house.

I signed up and received a Capital One credit card in late 2009. It has only a $200 limit, mind you. I used it up, paid it off. I have not used the card since October of 2010. Oh, may I add that during that time, the statements were mailed intermittently. I had to request address change at least 3 times. They charged the account with late fees, over the limit fees, of which I paid.

Then in September of 2011, I got a collection call to pay my account past due of which I have had no purchases since October of 2011. What the **!? So I asked this person to cancel my account on 9/10/11. Close it and pay off. Then he said I couldn't "cancel" because there is a fee or a 14 day payoff amount that is required. I'm not aware of such a thing on a credit card? Anyhow, I proceeded to make a payment. By the way, this tiny monstrosity of a $200 balance has ruined my credit! That they call past due, over the limit, on their own charges again, nothing of my actual purchases.

On February 2012, I wrote them a letter when I received a random bill in the mail stating I was 4 payments behind! Really?! I thought this account was closed. Again I did not receive any correspondence from Capital One since September 2011. In my letter, I proceeded to ask them to cancel my account effective 9/10/11 and waive all over the limit/late fees they have attached and to reconcile this account accordingly. They had the audacity to write me a letter explaining they are unable to fulfill my request through written correspondence. I must contact them by phone. To date, they have not waived any fees or closed the account. Who will win here? Will I have to pay for fees on an account that are not truly my purchases?

I tried to use my ATM and was denied. I found out that a $9,000 transfer never went into my account. It was later found to be in an overdraft account by accident. Capital One informed me that they were closing my account for reasons they refused to give. They would only say that they had that right. When I tried to retrieve my money, I was informed that it would take five days to get the fund out of the overdraft account. Now I have to wait five days to get another account and change all the direct deposits and bill payments. The bank manager informed me to call customer service and they informed me to contact the branch manager.

I received a call this morning and had a very disrespectful man by the name of James (ID is **) contact me about a late payment. He said, "Why you got an attitude when I'm trying to help you pay your bill, etc." This is because I asked him if he looked in the system to see that I made my payment last night. This man insisted that I had an attitude and began to make obnoxious humor of the situation and advised me to contact someone else if I had a problem with his customer service. Nothing got accomplished and I will inform everyone that I know to never go with Capital One! This agent should be reprimanded!

On Saturday 02/25/2012, I was taking my wife and 21 month old baby to Atlantic city for the weekend. We had a complimentary stay by the Casino (The Borgata). On my arrival trying to check-in, I was told that my debit card did not work. I did not put much though into it, thinking they need a credit card. I used my wife's credit card instead. We went to dinner that evening trying to pay the bill of $160.00 with my debit card again, declined. This was very strange, knowing that I have money in my account and I withdrew $300.00 from a local branch in my area earlier that day. The next morning (Sunday), I called Capital One. I was told that my card was reported stolen. I never called to report my card lost or stolen, my card was always with me. From reading some of the blogs, it seems this happen to a lot of Capital One customers.

My husband and I live in a small rural community. My husband had surgery on February 9 in Flagstaff, AZ. We stayed in a hotel overnight, etc. On February 15 I paid the balance on my Capital One Secured Master Card in full (approximately $900). On February 18 & 19 we went to Phoenix to do some shopping, etc. I bought a new computer, we stayed in a hotel, etc. and charged approximately $1400 worth of charges. When I arrived home on 2/20 I paid the balance in full. I went online on February 21 to make sure my payment was posted. I had already checked with my bank and the payment had been debited from my account and cleared. I found out by logging on my account that it had been suspended for suspected fraudulent activity. I had received no notification whatsoever from Capital One, even though I supposedly have electronic alerts in place. Both the payments on 2/15 and 2/20 were paid through their website. After spending over 1/2 hour on the phone with a 'fraud specialist' I was told I have to prove ownership of the account from which the payments were made. This baffles me. How is it fraud to pay your account balance?

I can't sit on the phone with them while they get my bank on the phone. I actually work for a living. They said my only other option is to fax them a statement of my checking account proving I own the account from which the payments were made. Mind you, this is the same account I have always used to make my payments, and the same account from which I made the initial secured deposit. They surely didn't question that $2000 transaction or where that money came from. I'd like to cancel the card, but I'm trying to rebuild my credit.

I am a business owner and an expert in ultra-precision machine bearing. I purchased over $3000.00 in bearings from LocateBallBearing and paid with my Capitol One Visa card. The bearings shipped days after my card was billed, although my complaint is that the bearings were damaged from old surplus inventory and could not be used as intended. The merchant was contacted and refused to admit that the merchandise was bad. I sent the bearings back and they signed for them. Next, I contacted Capitol One on the phone and they explained a charge back would take place; more than likely the merchant would dispute it and the charge would be put back on my card and I would need to dispute it again in "phase 2" of the process.

I provided detailed photos to the merchant and he would not have them looked at by his quality shaft as to my claim that they were corroded, the boxes were smashed and the manufacturer who viewed my photos sent a letter identifying the bearings as being at least 20 years old and beyond their expiration data. Also, the packaging that some of the bearings came in were not original packaging from the manufacturer. I called VISA and they said that they would open a case because they have had a lot of complaints about Capitol One and provide a case number, only to later say it was Capitol One's responsibility to handle the dispute process. It has gone on for several months now. A lady from Capitol One said that the information I provided clearly shows that the merchant should have been charged back but time expired and they can not do anything. We responded as directed. Capitol One instructed us SMA Technologies, Inc. to return the product before 30 days, then they said I did not follow there instructions and have them physically inspected by a third-party after they insisted I return them.

I documented the problem with detailed photo and received the letter from the manufacturer that the product was inferior. I am an expert in the field. I had to repurchase the bearings from another source to complete my job. Today, my bill is due and I surely don't want to pay it. I have a perfect credit record. I am not looking to hire an attorney to find out what I can do. I have put in countless hours and sent over 50 pages of documentation to Capitol One showing lies that the merchant made in his emails back to me. The merchant sent a one-page letter to Capitol One that had no information to support his defense. Capitol One never kept us up to date on the merchant's rebuttals to our claim until we asked to see a copy. All they could show was the one-page letter.

Title of My Car Never Released - Capital One Auto Finance is holding my car's title. They say that I owe $100.00 that was waived by a customer service representative in the English department. When I tried to pay the last balance, that $100.00 supposed to be late fees. That day, the person told me to pay $341.00 to cancel my debt and he waived the late fees in that time. My account was #** and I do not have my title.

Between late December and early January, I went to use my credit card and it was declined. When I called Capital One to find out what was going on, I was told that they have placed my account in to bankruptcy. I inquired why this would happen, and I could not get any answer because this was not the case and I had my account paid in full every single month. After making several phone calls, cancelling a vacation to Las Vegas because my credit card could not confirm my hotel room, and emailing the ombudsman of Capital One, I finally came to a resolution on my account and they give me a $100 credit for my inconvenience.

I spent about $100 in phone charges alone. This resolution only occurred after contacting the company ombudsman which I had to do on 2 occasions to get an answer. I was unable to use my card for almost 6 weeks until I finally came to this resolution. In this whole process, I spoke to many account supervisors; some tried to help, some treated me like a total pig and made me feel as if I was a deadbeat. I began taking employee ID numbers and reporting them to senior management once I got in contact with them. So all was good for a period of 2 weeks.

I got in a McDonald's drive-thru with no wallet and only my credit card which was in my cup holder. I went to use my credit card with no fear, and it was declined. What a total embarrassment. It has been now another 2 weeks of getting the runaround from Capital One without a resolution to my account. Latest conversation I had was with an account supervisor who told me he couldn't do anything for me because my account is in bankruptcy. I had asked to speak with a manager 2 weeks ago. They told me that within 24-48 hours, I will receive a call. This is 2 weeks later, nothing. I continue to make phone calls daily because if not, I will definitely not get a resolution. My most recent attempt for a resolution is an email to the company ombudsman yet again.

This has been a total disaster for me, a total embarrassment and a total inconvenience. Having to cancel vacation, make calls that incur expense to my cell phone bill, Capital One people are not treating me as a customer and are not providing any means of customer service to me. I'm paying an annual fee on this card and I cannot use it. I am absolutely in such disgrace of the service I've received to date.

If this were my fault, I would understand. However, they are the ones who've "accidentally placed my account in to bankruptcy".

I had my federal and state refunds processed to go to my debit card account this year. My paycheck also goes to this debit card account, which I have had for over 2 years. My date for deposit of my federal refund, was originally 2/7/2012. The state refund (PA) deposit date was not projected. My next payday was 2/8/2012. The IRS changed the deposit date to the 8th, and my check, state, and federal deposit all go to Capital One, on the 8th, making my daily balance and allowable deposits for the day over the allowed amount. Capital One returned my IRS deposit, even though they told me it would be held and processed the next day. I contacted the IRS, which told me the money could not be redeposited, but would be issued in the form of a paper check, when they received the money back.

I call everyday, and the money is not back from Capital One. It has been 2 weeks now. Capital One puts me on hold, and then I am usually disconnected, when I try to follow up, as to why money has not been sent back to IRS. I am a single mother who depended on this money to pay bills, and catch up on my rent. No one seems to believe that a deposit could just be in limbo somewhere. I am in danger of losing my car and being evicted. I live payday to payday, and recently have had car repairs, and large heating bills, that have put me further in debt. My refund was going to help alleviate some of this, but now it's gone, and I don't know where to turn.

Capital One calls me nine times a day asking for a person that used to have this number. I advise them my son and I was just assigned this number. The customer rep tells me that I must be that person because I answer my phone. I advise them to check with the phone company to see who owns this number now and they refuse to remove this number. The next step is I'm going to a lawyer and I will sue! Stop these calls now.