My credit card has been paid off since November of 2010. For the last two months, Capital One has continued to charge me interest and a monthly membership fee on a card that has no balance. When I called to close the account, the representatives supervisor named Laura would not credit my account the $5. It is deceptive that they charge you a monthly fee on a credit card that does not have a balance because if you forget to pay it, they hit you with a $5 late fee. I want the $5 waived off of my account.
Consumer Complaints & Reviews
In early July 2011, my social security number, birth date and other identity information was stolen from my employer. When I learned of this, around July 20 2011, I checked my credit report and made phone calls to the companies who had made inquiries of my credit based on fraudulent applications. I called Capital One about one such inquiry around July 22, 2011. The representative I spoke with assured me that he could not find a new application. But he would note in my file that my identity had been stolen and that they should not grant credit to any applicants using my personal information.
On August 14, I received an alert from Equifax that a new account had been opened at Capital One under my name. When I called the fraud department, I was told that they were unable to close my account, because the address information I provided did not match the information they had for the new account. I explained that my identity had been stolen. And that the reason the address did not match was that someone had been using an address different from mine to apply for credit. I reiterated that I had spoken with someone in mid July to inform them of the potential fraud. And I had been reassured that the problem was taken care of. The woman I spoke with on August 13th informed me that they had sent me information. If I did not have it, she could not help me (the information was presumably sent to the address of the identity thief). I am aghast and appalled at the lack of responsiveness to clear fraud. I hope that this can be resolved soon.
I paid off this credit card and closed it. They would not let me close the card! They said they needed my address, social security number, mother's maiden name, all information that was submitted. They keep making up fake charges and wanting to collect money for nothing. I told them over the phone that I had paid the card off and that any further charges are not from any purchases but just for their profit.
They constantly call me and think I will give them money for no reason.
Capital One received full payment for the balance of my account with my written and signed letter (forwarded by my credit union.) They immediately cashed the check, but didn't close my account. I emailed them a couple of weeks later to tell them they still need to close my account, referencing the letter they received weeks earlier. The email reply I received ordered me to phone them, which I won't do simply because a phone call doesn't protect my legal rights.
Two more weeks later, I received an envelope from them containing a new credit card. I haven't opened the envelope and plan to return it (signature required) unopened, with yet another letter asking them to close the account. Closing this account was a condition of the increased credit limit and improved terms with my credit union. And, I agreed to close the account because they had just suddenly and without reason, doubled the interest rate they were charging me. Also, one of my credit reports all of a sudden states that having any account with Capital One (a finance agency) adversely affects my credit score.
What I am about to describe will speak volumes to the integrity of Capital One. On April 9th, I payed off my credit card and closed my account. On April 10th, I phoned to check my balance and it was zero dollars and zero cents. On April 21st, I received a bill for 82 dollars. I called to dispute the charge and two employees insist I must pay. I mail a check for 82 dollars and 26 cents the next morning.
On May 21st, I received a statement that I have a credit of 82 dollars and 28 cents. I called to hear I will receive a check in three to five days. After a week, I did not receive my check so I called to hear it will be sixty to ninety days! After another week, I called to speak with the highest ranking employee possible. That was Jason ID# DNV961. Evidently there was no urgency on their part to return my money. He said he would draft the check then and I will receive it in three to five days. That was yesterday and I'm sure it's on it's way. It shouldn't have come to that!
I have a low limit ($500) Capital One credit card. I hadn't had any problems with them crediting my payments, until I was involved in a "phishing" scam. I tried to contact the Capital One customer service, but the way they are set up it is IMPOSSIBLE to reach a human being on the phone. The only way to talk to someone was to pick the option to "pay by phone" and agree to a $10 charge.
I requested that my account be closed and a new credit card issued. Fourteen days later I get an identical card with the SAME account number. I called Capital One again and had to agree to pay another $10 in order to speak to a person. They admitted it was an error on Capital One's part and said a new card would be issued in about ten days.
I used to think this was a great credit card company, but now you have to pay to speak to a customer service rep.
Damages: When I asked Capital One if they were aware of the problem of reaching customer service, they acknowledged it and said they were "working" on it.
I had 2 Capital One credit cards so I sent a check in full, along with a close-account-now letter so I thought they closed the account. I was paying on my other card regularly and was getting overdue ballances late fees and didn't know why. Come to find out they never closed the other account and were charging me all the fees (late fees, overdue balances, membership fees) -- you name it, they tacked them on.
BUT they cashed the pay off check and never closed the account. I called and they said they never got the close-out letter. That's funny they got the check
I have been trying to cancel my Visa and Mastercard accounts with Capital One and stop accruing charges since October of 2001. They are continuing to assess charges to J. C. Penney Insurance, membership fees, and late charges made after they acknowledged that the accounts were closed. I stated very clearly in my closure letter that I had stopped authorization for any additional charges on my account and called J. C. Penney and the credit care protection company ensuring any direct charge accounts to them were closed by 11/05/01.
I do not believe that it is coincidental that the companies that Capital One is making the charges for are affiliates of Capital One. Capital One has continued to accrue charges and issue statements to me for unauthorized charges since I received their own letter acknowledging the accounts were closed. They are also attempting to assess late fees because I refused to pay for unauthorized charges.
I just received another statement on 02/25/02 stating that the account would not be closed until I paid the outstanding charges that were made without my authorization after I ensured all accounts with these organizations were closed. Thank you for your time and continue to keep posted the activities of this unscrupulous organization to help other victims of its tactics.
