Capital One Reviews

So after verifying a few charges, we then came to one charge that I wasn't sure about. I said I'd have to check with my husband to see if it was something he ordered, as there was no identifying name in the charge (it was ZZYXX Sales or something like that). She said she had to put a hold on our card until we figured it out. I was not pleased, but understood. She then told "me" to call back as soon as I found out. After getting off the phone with her, I remembered that I had ordered a Christmas gift for my husband's grandmother the day before and it was for that amount in question. So within minutes, I immediately called back to verify the charge and get the hold lifted. I got someone different on the phone, a guy this time. He asked me my name; I told him. He asked who the primary account holder was; I told him my husband's name. He then said, "For security purposes, can you please verify your husband's birthdate and last 4 of his social security number." So I gave him that information as well. He then started to discuss the charge.

I verified that it was a charge that "I" had made, and that’s when he told me that he was sorry, but that he couldn't lift the hold from our account without speaking to the primary account holder. At this point, I was mad. They had just called "me" on "my cell" to verify the amounts. It was a charge that "I" made, not my husband, and now they were telling me that the hold was going to stay on my account until my husband verified it. My husband works 12-hour shifts at nighttime and was sleeping, not to mention he was sick! So my only option was to either wake him up mid-morning and interrupt his sleep, or not have my credit card for who knows how long.

I was furious. I asked to speak with a manager, who told me that they were sorry, but there was nothing they could do. So I had to march upstairs, wake my sick and tired husband up only 2 hours after he had gone to bed, and get him to verify the charge so I could continue using my credit card for the Christmas shopping that I was in the middle of. My husband said, "Look, my wife does everything for the account. She makes the purchases. She pays the bills. Can you just switch her to be the primary cardholder? Or give her access to make these decisions?" They said, "No, you would have to close the account and have her open another account."

This is just beyond ridiculous! I can understand trying to protect your customers against fraud, but they called me! I verified my husband’s important information, and they were going to let me validate the charges the first time anyways. So I wasted hours dealing with them over some stupid issue that could have been resolved in 2 seconds. They have the worst customer service of any company I know. We are very loyal customers, and I am so disappointed at the way this is handled. I will be looking for a new credit card company now.

During this period of time, I have acquired cards with much higher limits, which indicates that there is no problem with my credit report. The lenders who have given me these lines of credit are much more conservative than Capital One, and the limits are up to 5 times that of the limit that I have. I have read the reports from Experian, Equifax, and TransUnion which clearly indicate that one of the limitations to my credit score is based on the fact that I have accounts with low limits. The accounts that I have with low limits are with Capital One. I have closed one account with them losing the length of history for my credit bureau in an attempt to make them take notice of this account. I closed that account with perfect history with them and in no way abused said account.

I spoke with their 'Office of the President' about my HSCB account they acquired, and I was told by that department that there are two types of accounts: Type A and Type B. One type may never get a credit limit increase. In their policies and agreements with me, they do not state this aspect of their internal rules. When I established the account with them, I did so under the impression that I would be treated fairly as a customer and that the relationship would include credit limit increases. The department that I spoke with was not able to speak with me about my Capital One account, only my HSBC account, which had been acquired in the merger.

If they don't want to let you speak to a live person, then why give me the option? To say I'm angry is an understatement. I can't cancel my mom's card at this point because she's 78. Really, what would be the point? I can tell you I previously canceled my account with them years ago because I didn't like their customer service and I can see that they haven't improved. Tell your friends to dump them. They are not worth the hassle and there are plenty of other choices out there. They are a joke.

I did not go with Nova, so I wrote Capital One a letter explaining to them that I did not go with Nova and that I was sending them a check for $150.00 for my October payment and if they did not wish to accept it, they can send it back to me so I can file for bankruptcy. They did accept the check. On October 20, 2012, a three-sentence letter from Capital One, which reads "We have received your request concerning your account issued by Capital One. Your efforts to pay off your account are appreciated; however, we are unable to accept payment for any amount less than the entire outstanding balance."

I would like you to know I have always had a good credit rating even after being laid off my job. I am a firm believer that if you make the debt, pay the debt. Why is Capital One trying to force me to file bankruptcy? That's the last thing I want to do. I do not want to do this to my other creditors. Can you help me find a solution?

If it weren't illegal, I'd find them and teach them a lesson myself. I've never ever dealt with such a terribly run company, and I strongly hope that they go out of business and every single employee is fired with no pay. That's how I feel about people who steal money. I hope if you’re considering a Capital One card, you read this and don't go through with it. It would be my pleasure to take any and every customer of theirs away with no remorse. I strongly hate Capital One and all of their employees.

This is where the nightmare begins. I called about a month after to confirm if I'll be receiving paper statements with my detailed transaction info and that's when I found out that my balances are due with interest at the beginning of next month! You can imagine just how furious I was, especially after calling and confirming. I felt that I was being lied to. So after talking to many supervisors, going back and forth, calling and repeating my situation to many agents at Capital One, I finally grew tired and made peace with their two month interest-free extension offer.

This nightmare doesn't end. I got online banking to check on my credit balance status and guess what? There goes a $47 of interest charge on my account! Are you serious?! And the cycle repeats, called back, explained the situation to many different people again and the manager at that time was super nice, said they will credit the interest charge, just give it a few days for it to be reflected on the account. So, I ended the conversation thanking the manager and told him I'll check my online account in a week just to be on the safe side. It's been over 3 weeks and that ugly interest charge is still there.

I'm so fed up with Capital One at this point, but still I have to call back and explain my situation once more and this time, the agent doesn't even want to transfer me to a supervisor, which I was extremely irritated by, and finally a supervisor got on the phone and told me that the two month interest-free extension was never approved! **?! So someone at Capital One has been feeding me lies this whole time? And get this, I was not only being charged the $47, oh no. When I told them that I have gathered enough money to pay off the balance, they told me I was going to have to pay additional interest being accrued since then!

This story has no ending because this last manager I spoke with told me to pay off the entire balance (with the $47 interest charge) and that will stop additional interest from posting to my account. After the final payment clears, then he will make sure to credit the $47 interest charge and then cut a refund check, which will take at least another three weeks for me to receive in the mail. You tell me, is Capital One not the worst credit card company ever for any consumer to deal with?

A point the rep missed completely or was unwilling to address before hanging up on me was as soon as the account is unfrozen, I would like the additional funds returned. While I have been told that I "need" a credit card to re-establish my credit rating, I'm wondering if this nonsense is worth it. Their response was: "Thanks for contacting us about your Capital One account. We are unable to fulfill your request through written correspondence. If you contact the number indicated below, an agent will be happy to assist you with your request to provide the information regarding the account." Capital One's "secured" card seems only to secure them additional funds. I would have been better off with one of the $100 a year blatant ripoff cards.

So I contacted them again and they told me now to submit my bank statement showing refundable deposit was deducted from my own account. Once they have activated my CC, why are they asking for my bank statement afterwards? However, I faxed my statement as instructed. After that I wait for 3 days, but my card was not activated. So I again called them and they said to submit the address page of the bank statement. This way every time they are asking for new things. Really, Capital One is the worst. Nobody should apply for a credit card with Capital One.

I called and they said they would credit back a late fee of $35 but then turned around and charged another $35 late fee so it resulted in no credit. They continue to tell me that my minimum is $100 a month or more because they keep charging $35 late fee and $35 over limit fee (balance was $310). I argue with them but they offer nothing. Back in 2008 when I lost my job, they were the only credit card that would not help me at all. In fact, this balance is still ongoing since 2008 and here it is almost 2013.

So, basically, being an authorized user on the card doesn't grant my mother access to the nearly 300,000 frequent flier miles, but it does bind her the responsibility of paying off the outstanding balance. The fact that Capital One could do something so despicable to any customer just makes me ill. But that they could do something so deplorable to a grieving widow absolutely disgusts me. 280,000 frequent flier miles!

Think about how much business my stepfather must have given Capital One in order to accumulate so many miles! My stepfather often had balances totaling over ten grand and he always paid it off in full. And their thanks for such faithful business is to deny my mother his accumulated miles and stick her with the bill. It's absolutely heinous that they treat people that way and I hope no one else applies for one of their cards and gets screwed as my grieving mother has. Shame on you, Capital One!

Two months go by, and everything was going fine, till we noticed they started charging us interest for purchases. I called and spoke to a customer service rep, and they said they were sorry, and would make changes to the account and fix the error. The interest charge was credited back to the account. The next month, the same thing happened. So again, I had to call and speak to them about it. This time I got the runaround! They said our account had no such agreement. We did not qualify for 0% APR on purchases, only balance transfers. I asked to speak to a supervisor. I got the same thing.

Again, they wouldn’t do anything about agreeing to the terms of the offer we received in the mail. They kept telling us that we never took an offer, and the card was opened in 2010. Yes, it was opened in 2010, but we quit using it months after then, which they can see there is no activity for a few months in early 2012. That’s when the interest rate got too high and they wouldn’t change it, so we quit using the card. That’s when they sent us the offer to come back to them with the 0% APR on purchases and balance transfers. But again they wouldn’t budge.

So I closed my Capital One account, told them the reason why I am doing this. The account which we accepted the offer for in May, we are in the process of paying off and will be closing that account as well after that is paid off. Never again will we ever do business with Capital One. You would think with the economy going downhill, they would want to please the customers and make them happy, and want their business. But apparently getting all the money they can, even if they won’t accept the terms and conditions they send out to people in their offers, is more important to them. Well, I’m done with them!

I called and spoke to a supervisor and this person told me that the hold will be released shortly as he got a successful confirmation. Still, funds were not released to update balance. I am now told that I have to wait 24 hours before they can attempt another hold release attempt. The issue I have is that the representatives misrepresented a financial transaction which seemed to be fraudulent. I need to pay for transactions and need to use a credit card but with this hold, I will be charged late fees. The issue I have with Capital One is trust. How can I trust anything else I am told by these people? Once this transaction got cleared, I will close this account.

This is not the first time where the online banking system has given me incorrect information, nor is it the first time where I made a large deposit, yet after making that deposit was somehow charged with multiple mysterious overdraft charges. Capital One almost always holds some charges in the pending file, seemingly just for moments like this, where they can take your money without permission, perform essentially no service, and keep you from having any recourse against them. Banking with Capital One has ensured that I can never escape any financial traps, and has honestly been one of the worst decisions I have ever made. I would recommend anyone who has any alternative including hiding money in shoe boxes underground to avoid this bank as if it were Satan incarnate.

Needless to say, I asked to speak to a supervisor who wasn't helpful to me at all. He said my account was suspended for lack of payment. I told him I made the payment so he should lift the suspension off. He said he couldn't do that and I had to wait. I even asked for a one-time courtesy and he said no. I was furious and gave them a piece of my mind for their lack of customer service. They have my money and I don't have access to it until tomorrow which totally threw my plans off for travel. I advised him that his employees are the ones that should be punished for giving me wrong information, not me. He said he was sorry but he cannot override the system. I will not be doing business with this company ever again because they do not believe in customer service. This is a take your money type of company.

One month recently, I called Capital One to complain that they weren't being responsible in processing my payments. I was given an answer that I couldn't believe. It was that they aren't responsible to credit it right away. Then, out of disbelief (and without resolve), the customer service agent dares to ask if I'm satisfied with the customer service. No is an understatement. The following month we were going on vacation, so I paid the card off one week before we left. They recorded in my account that they received the money in one day, but again they waited 6 days to actually reduce my balance. I sent an email (got tired of sitting on hold and getting someone that didn't speak my language well) and I got a response from Capital One as follows:

“We are writing to you in response to your inquiry regarding your account ending in XXXX issued by Capital One Bank (USA), N.A. and Capital One, N.A. We can certainly understand your concern regarding the payment. Unfortunately, we are unable to handle your request through email; therefore, it is necessary for you to contact one of our customer service representatives at 1-855-227-4161 so that we may further assist you with your concerns. You are important to us and we appreciate your business.”

Is this the answer you would accept? I called again - out of desperation - and the agent was not helpful at all. I got the runaround and an unresolved issue that they won't escalate. I feel like Capital One doesn't care about the customer. They feel that the customer owes everything to them. Capital One has lost a customer! The question in my mind is whether they are getting some sort of underhanded financial benefit by delaying the reducing of my payments that are in limbo every month for a week.

Seeing that the funds were withdrawn on the date they were due, this confused me. I called Capital One and they had no idea what to do, no suggestions. I requested they call my credit union and inform them that in good faith I paid my payment on time. In the meantime, they were supposed to send another check. After another 4 days and still no payment, and now my Credit Union has put a freeze on my funds there, about $4,000, I'm out $4,600 with the double payment. I called Capital One to tell them not to send another check because I was going to pay it myself. I wanted my account credited immediately! I got their scripted response, "the money will be credited back to your account in 2-4 days."

Six days later no credit, I called once again, asking for someone that could help me. Guess what, you cannot talk to anybody other than customer service to make a complaint - you have to write to them. Long story short, 21 days later I got my money back, 9 days after I paid it a second time. Now, they sent the 2nd check anyway, my credit union deposited it and it's returned for stop payment. I now get charged by my CU $15 for returned check. I wrote to Capital One online to request a refund for their error in sending a 2nd check out. Their reply is that they do not feel responsible for the charge, that my CU should not have cashed it. So, I got stuck with the charge. I explained that this whole situation had been nothing but a nightmare and I will consider moving my account elsewhere if not refunded. Guess what? Nobody cares! Definitely a first ever for me with banking!

I must have stayed on the phone with the manager for a while, who advised me my account is closed. Several years later down the road, I was issued a garnishment in which I had contacted both the FTC and attorney general's office regarding the harassment by Capital One and the attorney on their behalf Nudelman, Klemm & Golub, PC, 425 Eagle Rock Avenue Ste. 403 Roseland, NJ 07068. I kept asking both Capital One and the attorney who sued me for copies of any purchase that I made other than a bus ticket but to date, I have been unsuccessful. You call, leave messages, they lie and say they will have someone get back with you and they don't. Now I haven't really taken the time to follow through with all of them because my mother's health borders death and I just didn't want to deal with this. But I feel like someone needs to step in and investigate Capital One because if they did this to me, they are getting away with this with others.

I have just completed a garnishment where I didn't owe them anything, but they collected $1,447.56 and then added interest on a garnishment that dated back to 2003. Now I know there is supposed to be a statute of limitations because who would hold on to paperwork that far back on a closed matter? I want copies of everything from Capital One that makes me liable and I want the attorney to be held accountable for not listening when I advised them of the situation and pursued a lawsuit that was not valid.

The next day, 7/18/2012, I wrote a Capital One promotion check #** of $1800 and deposited to my checking account at Bank of America. However, until 5 days later, on 7/23/2012, I knew the check was denied. Bank of America charged back $12 for returned check and subtracted $1,800 from my bank account. I also suffered fees from other cancelled checks due to insufficient checking account at BOA. On 7/24/2012, my account balance is $0. My available credit $2,000. I wrote another check #** of $1820. Still, again my account is on hold due to other bank's deposit of $3,000 into my account on 7/26/2012. I contacted Capital One five times about this problem. They said, "An account will be put on hold if there is (1) large amount of payment or (2) multiple payments. It is automatically in the system, they cannot change it. These are wrong reasons because Capital One accepts large amount and multiple payments from customers.

Why did they accept payment and then put on hold their customer account? They can put on hold the amount deposited until it is cleared, but they should not put on hold consumer credit line or their entire credit account. Put on hold credit line and put on hold the check is different matter. Capital One said they want to make sure the amount received is cleared. However, the amount should be cleared before posting the transaction. They should post only after the amount is cleared and should give the accurate balance on their customer credit accounts. For example, it is very confusing for customer having balance negative -$90 after paying $2,000, but credit is not available as if they're paying late. The payment from customer in large amount to Capital One is not the customers' fault. Customers do not spend over limit on their account. Instead, customers pay to increase the amount available on their account. It is different from late payment.

Capital One also failed to notify me about their decline as they stated in section "Important Information About this Offer" on the info how to use Capital check promotion. I believe hundred thousand customers have been suffered such wrong and unfair practice. Please investigate to protect other citizens from this error. I want Capital One pay back any charge back fee by Bank of America, other cancelled check fees, and other lost due to Capital One system error.

The bike is worth more than what I owe and they are going to make it worse for me by not letting me pay the past due plus fees for the bike. I won't be able to pay Capital One if they auction the bike and I am definitely not going to pay for an asset that is not in my possession anymore. All I want is my motorcycle back. I was also unemployed for four months and I have a job now and I just have been catching up with bills I have to pay and keeping up with family needs.

I pointed out that all the while I was unemployed, then in graduate school and subsequently serving with AmeriCorps (domestic Peace Corps), I was never late with a payment. She demanded to know if my contact information was correct. I have always been conscientious about updating my contact information with relevant parties. I have two issues with them: 1. I had previously paid off and cancelled a Capital One card due to customer service issues in the past; and 2. I am insulted by the lack of empathy and the tone which was used to address an issue that is clearly out of character based on my client profile.

Rather than helping me with a solution, I was insulted, abused and harassed - all for less than $100. There are many card companies to choose from. As soon as I am in a position to do so, I intend to close this account and find a company who can appreciate my business and follow through with their public relations claims that the company backs its clients in time of need. So, so disappointed.

All these fraudulent activities happened for 11 days (6/11/12 to 6/22/12), and Capital One did not detect fraud? I have lived in California all my life. I've had the same phone number for over 25 years. Capital One changed my address to an address in Pennsylvania without contacting me. Capital One changed my phone number to a number in Texas without notifying me. Capital One authorized a new user and activated and sent out cards to the criminals without notifying me. My credit limit is $15,000, and the criminals were able to charge over $18,300 without detection!

When Capital One contacted me on 6/22/12 about all these fraudulent activities, they refused to call HP Homestore or Lenovo to cancel the orders on 6/20/12 and 6/21/12. I had to beg for the two companies' phone numbers, and I called them and cancelled the orders. I saved Capital One over $8,300.00 in purchases made by the criminals. Capital One explained to me that once an investigator was assigned to my case in 4 to 6 business days, then the investigator would handle the HP Homestore and Lenovo purchases! By then, the criminals would have had over $14,600.00 in purchases! Both HP Homestore and Lenovo thanked me for stopping the fraudulent purchases from being shipped. Unfortunately, the Lenovo purchases made on 6/15/12 was sent to an address in Pennsylvania by UPS. The criminals got the package on 6/21/12. If Capital One was able to detect the fraud on 6/18/12 when Walmart detected fraud, then I would have been able to intervene and call Lenovo to stop the shipment before 6/21/12.

I can't believe that these fraudulent activities were not detected sooner than 11 days. Capital One told me that their computers did not detect the fraud! I very rarely use my Capital One credit card. I may use it 2 to 4 times a year and for purchases of maybe $100 to $200. I don't know how Capital One was not able to detect fraud. The recent changes and purchases are not my normal credit card activity.

I believe Capital One was negligent when it comes to fraud detection. In their mailings, they say that they have an "early fraud detection program." Capital One says that they have a team of specialists who monitor accounts 24/7 for suspicious activity. I guess the team was asleep or on vacation during the time my credit card was used fraudulently for 11 days! I don't know how they were not able to detect all the red flags on my credit card and they never called me regarding any of the changes.

I have a Bank Of America credit card and ATM card, and they call me for every little thing. I get messages from BofA to call the fraud department whenever they see any unusual purchases or purchases out of my area. Also, none of my other credit cards, credit union, savings, or checking account were touched by the criminals. The criminals only focused on my Capital One credit card for 11 days! That is very suspicious.

I am a very, very disappointed and unsatisfied customer of Capital One. I am the one making the calls to Capital One after 6/22/12. I finally got a personal call from the "investigator" on 7/3/12 telling me that my case had been closed! They decided to close my case without talking to me or asking me any question! Capital One also told me that they were not going to pay Lenovo the $6354.70 and that Lenovo was going to have to suffer with the fraud loss. I believe it was Capital One's fault for the fraud and not Lenovo. Yet, Lenovo is going to pay for the fraud. It's unbelievable!

I was not able to go to work on the day that they reported the fraud, because I had to spend countless hours on the phone to report the fraud to different agencies and I had to go to my local Police Department to report the ID theft/fraudulent use of my credit card. I wish Capital One would care more about their customers. I only got one phone call from them to tell me that my case was closed, and I got one generic letter telling me of "possible fraud." I feel Capital One does not care much about Customer Service. It's so sad.

I immediately called and was informed that since I didn't list him to have a card issued in my application one would not be issued. I tried to have his name added at that point, but was told their computer would not allow this and I would just have to wait until the other cards arrived to add any other card holders. All of the cards were then incorrectly mailed to the owner’s personal address and not the business address itself. When I called to change it, I was of course told that I couldn't have any access to any account info. I requested to speak to a manager (waited 10 minutes for him to answer) and spent another 10 minutes to make him understand that the mailing address error was on their part, not mine, and that the correction should be made using the application and should not require special permission.

Because I did need to make other changes to the account, we did end up contacting the owner to request his approval, but that this approval would only be for the day. At that point I wanted to confirm that I would be able to increase our credit limit, as was I was told in a previous call to Capital One prior to my application submittal. I was put on hold for 5 minutes and was then told it had been denied and that I would get the reason why in the mail in 5-7 business days. I needed to okay that with the owner and asked if I could call him right back. He refused to give me his direct line, but assured me that he would make all the notes in our file and that I could speak to any customer service agent.

When I called back 5 minutes later, I was once again told that I didn't have access to our account and the owner would have to call in himself. I immediately asked to speak to a manager who also said he couldn't give me any info and that there were no notes in my file saying that I had previously called. He just kept saying that he would have to be contacted by the owner. Are you kidding? I made him check a few times and he insisted that I had never called. There are some serious employee problems at Capital One’s customer service - no one seems to be on the same page. Everyone has different answers to the same question. Honestly, this is the first complaint I have ever written. I like to give everyone the benefit of the doubt, but this was just plain incompetence! Their award should be changed to “incompetent customer service award.”

At one point, when my husband was in Wal-Mart, our cell phone rang. It as a Capital One rep asking if one of us was having problems using our credit card. About that time, my husband returned to the vehicle and said the transfer of funds wouldn't go through. The Capital One rep stayed on the phone with my husband while he walked back into the store to make sure he was able to complete the transaction. We also have automatic deduction from our local checking account and every transaction has taken place in a timely manner. I'm sorry all these folks have had such problems, but I hope that others who have received the quality of service we have received will also write. We could not ask for better service from Capital One.

Ha! I was in for a rude awakening. I faced a combination of issues. I have had Capital One for two years now. Not necessarily in perfect order: First, statements came some months but not others. I always update address. Second, I set up automated payments using Chase Bank account as I had done many times before with other banks/credit cards. The system acknowledged that recurring payments were set up. One payment came out, yet two months later, I noticed the account was suspended, past due. It's not because my bank account didn't have funds, there is plenty. It was affecting my credit. I called them; they don't tend to care. Their system shows it's not set up for automated payments. And they do not give room for error on their part. You are treated as if you are an idiot and you did not do something right. I know the difference between onetime payment and recurring. And when I read, "Thank you for setting up automatic payments" I know what that means.

Third, I paid for payment protection for both cards. It is an insurance product. Now, I believe it to be a joke. I have cancelled it multiple times, yet it tends to end up back on my account. When I signed up for payment protection initially after they encouraged me to do so, I was told "If you are ever unemployed, call us. We will help you connect with payment protection, and your payments will be taken care of." So, I was charged for the service to both business and personal accounts.

Unfortunately, many months later, I became unemployed, was sick with some health issues, because of this, work and business cut out, I wasn't being paid. So, I called to activate payment protection benefits, went through the process, made it known I was talking about both cards. They confirmed both the business and personal. They told me, "Okay, sir, I have payment protection benefits activated for both of your accounts, business ending in ** and personal ending in **. It is activated for one year because of unemployment. Don't worry. We will take care of you." I thought, wow, great company! Ha!

I called Capital One just to confirm that benefits were activated about a month or so later and they said, "Yes sir. Payment protection benefits are activated for both accounts." So I am not getting statements at this point. I haven't moved or anything. PO Box is active. No one has access to my mail. I am getting everything else, from everyone else. Months passed, I check my credit and I noticed the business account was charged off. What? I started inquiring and Capital One said payment protection wasn't paying on the business account. Yet, it was paying on the personal.

At that point, I was told all kinds of different things. I tried fighting that with them. They apologized but they said, "The policy is this and we're sorry but there's no way to reverse the charge off!" I talked with supervisors, spent hours on the phone. No resolve. Then the payment protection cut out for personal, and then they reactivated it saying sorry. There is so much more. But in conclusion, they are just unprofessional. Some reps would say payment protection is owned by Capital One. Some would say it's a different company and has nothing to do with Capital One; yet, I signed up for it through Capital One and they transfer and talk to payment protection (department) on my behalf.

I guess, I could go on and on but the issue is that account should never have been charged off. Capital One acknowledged their error verbally; yet, they pin it on me by ruining my credit. I am more than happy to pay my bills, pay on time, pay just debts, and settle. However, I have a problem with settling a debt that is negatively affecting my credit at the company's error when the balance is made of their fees from their errors. The balance is small, but I want it off my credit or I don't pay a dime. It seems they are more interested in screwing people over, not resolving issues, not accepting responsibility, than providing basic customer service for their product.

I spoke with an agent on June 17, 2012 to ask how the account had gone over the limit since I had, as the primary cardholder, specifically requested that not be allowed. I had to call them two times in two years to make this same request before it was honored. Now, the account has been reported as a bad debt to the credit bureau and will remain that way until the amount is paid in full. Capital One needs to train its agents in how to communicate clearly when they call. I was not given the opportunity to correct this until it was too late. I suspect this is how they go about fleecing their customers.

In my case, my billing address is a PO box which they won't accept but they demand a mailing. Hello, PO boxes are official mailing addresses. So I closed my account and will use another company. I would avoid them. Even during the years I had them, calling them means speaking to India and Philippines, where they try and sell you credit score programs and force you to listen to almost an hour of nonsense. Their fees are outrageous and so are their interest levels.

The customer service rep would not even admit that there is a serious flaw in their website to associate a personal checking account with a business credit card (the business credit card does not even show up on my personal log in) and then said it would take 3-5 business days to refund the money to my account. Odd, how an online payment can be posted within an hour (and removed from my bank account), but a refund to my over-drafted account takes 3-5 days. The representative, Victor, refused to let me speak to a supervisor and had no remorse for the impact of Capital One's error. It’s an absolutely pitiful customer service!

I immediately contacted Capital One and it became a nightmare. I spent day and night on the phone to get transferred to different people after repeating my story like 30 times a day. They refuse to give you corporate number and they all say the same thing, "we will dispute it and it should be fixed." I even asked them to pull the recorded conversation, only for them to tell me that those conversations are only saved for two weeks. Then, when they put in a dispute request, it also goes on your credit as this account is being disputed by consumer. I am pissed because they didn't remove the negative reporting; they just added to it. This has been a total nightmare and I am fed up at this point, spending months on the phone with them. This is causing emotional stress and it plays a role in my daily work and home affairs.

Considering I was misled in establishing an account with your institution, which allured my finances without the promised special offer, there were no follow up calls pertaining to my business participation and return call. In addition, my inquiries have been unattended to by the Vice President Mrs. ** via in person and phone illustrating her unprofessional integrity. I had received a coupon in my movers package distributed from the United States Post Office for this offer ending October 31, 2011. I submitted the flyer to Ms. ** with another code at higher reward. She mentioned to me that she would call the following day to let me know if the code given was valid. But to no avail, I had never heard from her.

I have called to inquire regarding the time span for posting the credit and was informed it takes six months and later, I arrived at your Frederick Branch (where I commenced my transaction) to find Ms. ** transferred out. The Vice President of the Monocacy Branch, Mrs. ** was not able to establish full service due to several interruptions of incoming calls, but said she would look into the matter of my account and call me the next day considering I had given the coupon to Ms. ** and did not have a copy of the promotion offer. But to no avail, I have not received any call pertaining to this issue.

The issue is still unresolved and this is my third attempt to resolve this issue with your business. I would like to continue to do business with your bank, though not under these circumstances. I need my checking account credited as promised with any accrued interest from January to present. I strongly believe her goal was to get a credit, not valuing the customer interest by upholding business principles. I am looking forward upon receipt of this letter that you will investigate this matter and take the necessary measures at your earliest convenience, in that, this issue does not affect any other individuals and this situation does not repeat itself in the near future.

After a week of going back and forth, I decided to cancel the card. Why did Capital One transfer me back and forth to different departments? Each represent did not verify my information but reviewed my account with me. As I type, I have been on the phone with 3 or Capital One's representatives and three supervisors to cancel an account that was never activated but yet they have my money. This is truly ridiculous, extremely poor customer service. After speaking with the final manager today, she indicated that they do not have to close this account. I need legal assistance with this.

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!

Essentially, I guess, I was too responsible when making good faith payments while all these reps were stringing me along about how there was a solution upcoming. I read the terms and agreements pertaining to the protection plan and found nothing about a one year filing period and after getting denied benefits, I was still getting monthly charges for this plan that was essentially useless when I really needed it. Logically, it makes no sense. I made my payments too long? - "You were too responsible so we will now report you to the credit agencies in an attempt to portray you as an irresponsible person who doesn't care to pay his bills on time." It's just not right on so many levels. I have extensive documentation that will support everything that I've explained.

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 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.

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!

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.

This is how my nightmare began. I contacted Capital One on 3.22.12, and the main rep transferred me to "hardship," where a rep told me I could leave the DMP and pay Capital One directly and still maintain a low 7.4% interest rate. She asked me several questions, told me dates I needed to make payments online, and assured me that I was now in a "hardship" program with Capital One. This would save me about $8 per month that I would not have to pay in fees to the DMP.

When I was a day late making a payment due to illness on 4.18.12 and called Capital One to make a payment on the phone and ask for the late fee to not be applied since I was ill, I was told I was still paying via the DMP according to Capital One records and that if I did indeed drop the DMP, my interest rate would skyrocket to around 30%. I was outraged.

The rep I was speaking with, Fernando, eventually routed me to a supervisor after a lot of making excuses and implying that I didn't understand. The supervisor fiddled around and also implied I did not understand the rep on the original call, at which point, I told her she needed to escalate the case and have her superiors listen to the recording of the call. She acted like that was not an option, but she would not come right out and say that they did not have a recording of the call.

Eventually, she told me I would receive a call back on 4.19 12. When I missed that call, I attempted to call back and it took three times to finally reach someone who would talk to me. The first rep gave me a number to call, and it was the number of my DMP. The second rep hung up on me. Finally, I was routed to someone who was supposedly a supervisor. She contradicted her self during the call, saying she could see in the record that I was routed to "hardship" on the 3.22.12 call then claiming a couple of sentences later that Capital One "does not have a hardship program."

I asked her directly why I was lied to on that original call and why she was saying now that there was no program, and she had no answer, saying only that she would talk to the supervisor of the original rep who told me I was in a "hardship program" directly with Capital One. Again, she seemed to imply that there was no recording of the original call and they could not document what happened.

I don't know if I was lied to, got an inexperienced rep, or what in that first call. But it was a blatant misrepresentation of Capital One policy and has cost me hours of time on the phone. Luckily, the DMP had not yet dropped Capital One from my plan, as I had asked them to do based on that first conversation. If they had done that, I would be stuck paying Capital One 30% interest!

So, was I lied to to trick me into dropping my DMP so that Capital One could make more money? I think so. I think this is a common practice, and they are ripping off consumers all the time. And the reps and supervisors you get on the phone are trained to be confusing and imply that you are stupid, so you just take it and silently pay. How can they get away with this? I say stay away from this company. Don't give them your business. I wish I never had.

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.

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.

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.

When I received my first statement, the special promotion and monthly transactions were added together as the total amount due. I contacted Capital One and spoke to a rep and was told to pay my monthly charges and the minimum due amount, and any extra I wanted to apply to the promotion to avoid any interest charge. I complied and when I received my statement I was charged interest. I called back and was told I would be charged interest if I did not pay the entire amount off. When I asked how can they call this promo "0% interest for 12 months" if I have to pay off the entire balance to avoid interest, I was told they weren't charging me interest on the special promo, just my monthly transaction, even though I was paying these in full. I asked to speak to a supervisor and was told there was no one else to speak with because he was the senior account rep. I plan to pay off Capital One and close the account right away. I will be their worst walking advertisement! I am mad as hell!

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'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.

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.

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.

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 have a check that is signed by them as paid in full. They now refuse to remove it from my credit. This is part of why USA is in the position it is in. Call Capital One anytime, get the call center and no one knows what they are doing, how to respond and refuses to resolve any issue. They are not allowed to go back and take care of anything, investigate anything. They are the most fraudulent credit card company around.

So what happened is there were 2 other charges, plus the purchase on the 25th and the withdrawal still pending. Capital One processed the withdrawals from largest to smallest, and processed the deposit last. So basically they did it this way so they could maximize fees. And because they hit me with the overdraft charges that day, I got hit with two more because of other charges that cleared; there would have been enough money to cover the charges if it wasn't for the $140 in overdraft charges, so total Capital One just decided to steal $210 from me.

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 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.

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 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.

The card finally arrives a week before Christmas. I went to Walmart to use it once. I went to use it for the second time at a Kmart, on the same day and, instantly, it's off. They call and Greg from Capitol One asked if I just made a purchase. I said yes and gave them the total and store. The lift never came off. He put a fraud alert on my account.

Meanwhile, they ask for all kinds of legal documentation to prove I am who I say I am. I mailed in the documents that they requested, but nothing happened. Now, it's 2011, and still nothing. I sent them all in again, but nothing! The hold is still on the card. I call and say that I'm moving, but they don't update my account. I am not moved until June, 2011.

I sent my paperwork again, including les forms, utility bills, ss card, marriage license, deed to my house, military id, picture id. However, they still refuse to remove the lift. It is now 2012 and they continue to charge me for a card that I can't use. They won't refund my money and still won't fix their errors in my account, like change my phone number and address. Meanwhile, I have this mark on my credit and a card that I can't use and I'm out of $2,000. They refuse to work with me and I am beyond annoyed. I'm pissed!

Well today, I chatted online with a C.S. rep first and they said I qualified but when I called the C.S. number, after being disconnected the first time, they tell me the same old story that I don't qualify and would give me no ways to reduce my rate. So I got back online and chatted again with a C.S. Rep. This time when she said I did qualify I printed off the conversation. I have a hard copy now. So I called the C.S number back and they proceeded to tell me I did not qualify even though this paper I have says I did.

They keep telling me I can do a balance transfer for my balance for a 3.9% interest for 6 months. Now tell me what good would that do other than increase you balance you owe them! It's a win-win situation for them. I will never recommend them for business to anyone. I will make sure everyone of my friends and family stay away from Capital One and its affiliates.

I have other cards that reduced the rates when I called. These people have never reduced my rate. I am a single parent of two teenagers and want to get this thing paid off before I die. But at this rate, it will not happen. I am going to cut up my card and pay it off. When I do, I will close this account out. Their customer service representatives are just robots...they read from a script and will not answer your questions at all.

These checks that total $780.00 have never been applied to our account as of date. The next statement that arrived said we had missed a payment and we had in fact paid early. Customer service was worse than nothing for helpfulness. Payment investigations is a laugh. We were given a man by the name of Mike (I'm sure that is his real name) who called me and gave me a fax and phone number to get ahold of him. The only problem is the number and extension he gave us just goes to an answering machine and the messages are not acknowledged. The Ombudsman must be related to Mike, they are just as helpful. Who would have thought these thieves would have created this? Shame on the ** who represent Capital One. Take off that veil from your face so you can find the missing checks that you lost on purpose so you could charge illegal interest. Double shame.

I called customer service and explained to the rep I talked with that I knew the payment would come back because my bank had informed me of what had happened. The rep said that the payment shows that it went through and that I should not make another payment until this one came back. She told me to call back the next day, and once the payment came back then I could make it again.

I called the next day, which would have been Feb. 2, but the rep told me that the payment had not come back again. I would have to wait and try and call back again the next day. When I called back again, my account had come back, but my account needed to be updated before I could make another payment. On February 6, I called to make sure the payment finally could be made, but I was informed that I had late and return fees.

I tried to explain that I made several attempts and that there would not have been a return fee if my payments had just been taken on the three previous times I had called. A supervisor, by the name of Zakee, was placed on the call and I explained to him my situation. He did nothing but tell me that after my payment was made, then he would maybe help me but not until he got the payment.

Is this how you treat people? No matter what their concerns are, it's all about the money you receive? Anyway, I wouldn't be on the phone calling over and over if I was not making the payment, so I do not think I should be paying any late or return fees when I'm calling over and over. Mr Zakee made no attempt to address my problem but only told me he might help after I made the payment!

I told him that if he could not help me, then I need to speak with a manager. He began to tell me that he would transfer me to the management team. I waited on hold for about 5 minutes, then he came back over the line and said that the management team had left. He told me that a voicemail was available and he would transfer me to that. Again, I waited for about 10 minutes. When he saw that I wasn't hanging up, he came back on the line and told me that he made a false statement and that there was no management team voicemail so he apologized for making a false statement!

I dont appreciate being basically lied to in my face by a supervisor, especially when it cost me just to call and sit on the phone while I was being laughed at. Is this how Capitol One handles their business? If this is the case, I will take this to the FTC. I did try and make my payment and I felt like a mockery is being made out of hard working citizens. My time was completely wasted and all just to secure a payment that I've been clearly trying to make since Feb. 1st.

Is your policy to lie and cheat people out of late fees and then make them out to feel bad? As an extra smack in my face, I was hung up on by Alejandro when I called back, and Eric tells me he is unwilling to help at all. Not knowing that I realized that there was a conversation going on between them the whole time then Eric told him to hang up on me! Although I cannot prove that every other part of this email is in every recorded call including all the calls made on Feb 1,2, and 3, and when all I wanted was my account to be corrected, I will not be disrespected and treated like I'm nothing since I pay Capitol One every month.

After a few weeks, we got a call from a Capital One agent, saying "they" made a mistake and needed us to send in $72.00 and this $72.00 would be deducted from the payment of $573 on December 3, 2011, so that payment would now become $503.00, instead of $573 for December 3, 2011. After all of this was taken care of, and my husband and I did what was asked by Capital One, Capital One was "continually" taking the promised amount from our bank, as scheduled on the dates stated, and we "thought" everything was settled, and back on track. For the last 2 weeks, Capital One has been calling our house almost 7 times a day. I work the midnight shift, and I am usually not home when they call. My husband is on disability from a stroke, and having a tumor removed from his brain recently. So, they usually get my answering machine.

Someone reached me yesterday, on Superbowl Sunday, after I came in from the church! This man from customer service/Capital One told me we where "40 days past due", and that we still owed them more than $600. I had him go over my account history, then he tells me that the 'other agent' who set up our payment arrangements didn't do it correctly". I requested a copy of my payment history to be sent to me, because they had just gotten a payment of $216.95 on the 28th of January 2012, and another $216.95 is scheduled to come out of our bank account on the 10th of January 2012! My husband and I feel like Capital One waited until we got caught up on our payment, then started calling, finding fees that they claim we owe! How is this, when their customer service agent set-up everything, beginning with the two bug payments, and then begin January 10, 2012/scheduled payments of $216.95 every 2 weeks.

When I got home from work early morning, I look at my answering machine, and Capital One shows on my caller ID and they are calling and calling, instead of leaving just 1 message, and wait for someone to call them back. My husband has told me they have called all the way up to 8PM! I go to bed at 7PM, because I get up so early for work! We are very frustrated and angry at this point with Capital One auto finance. We will never ever have them finance anything for us again! The agents don't talk to each other. They don't read the latest updates on the account. They just call! I am waiting on the letter from Capital One, so I can call them back, and possibly get this settled. Because of the treatment we have gotten from them, hopefully this year, I will trade that car in for something else! I don't even want to deal with them again! People don't need to be harassed, when times now are even harder for consumers. Especially I am the only one working right now!

Capital One is the only vendor that specifies electronic delivery, yet still shows up as a five day delivery time. I had E*Trade research this problem. The answer from the E*Trade research department was that Capital One has told E*Trade they must list them as five days to process. Because E*Trade guarantees me delivery in the specified time, they are forced to follow Capital One's instructions.

I then contacted Capital One and spoke to a supervisor named Frances. Her answer was that five days was their policy, but sometimes it takes less. She had no answer as to why every other company in the country can process an electronic transfer in three days, but they can not. I then went back and looked at some of my past payments, and the time it took to get processed at Capital One. One took three days, the rest took four or five days.

It is clear why Capital One is adding extra days. For every extra day they have your money, and don't post it, they get to charge you finance charges on your money, and increase the chances that you will be assessed a late charge on your account. In my mind, this is clearly a scam.

What is more disgusting is the response from a Capital One customer service rep. I have copied the information below from our chat. They need to train their reps below better because a lame duck answer like "I apologize, we have had the flexibility to waive this fee in the past, we no longer have that flexibility due to changes in the economy and waiving this fee is no longer an option for us."

I was not told this at sign up, nor at any point, before all my funds were deposited. I feel as if this company has committed fraud. I received no email or info implying I would need to send in additional verification, neither at sign up, nor when I called to activate the card. Why accept the deposit? How do you accept a deposit if the account is on "hold" status? I still have no access to my money, and will not, until I fax in documentation. I do not have access to fax. I find it absolutely horrendous that I received no notification of such a procedure, and they are telling me I cannot be verified using the manual verification process. I will never again use anything with the Capital One name to it, and I am going to suggest to anyone thinking of using their services, to find a different choice.

I am very unhappy, and I think it is outrageous for you to be able to do such a thing, without prior notification. Had I known this is what I would have to endure, I would've never opened this account. I thought capital one would be a good company. I was 100% wrong. I am also reporting this incident to the BBB, so they are able to warn any other unsuspecting victims like myself. It's just not fair. I have been waiting on my paycheck for a while, and I still cannot access it.

They had no right to transfer the account to me, no right to accept charges on my behalf after me specifically instructing them to cancel the card and not accept any charges or no right to now hassle me about something I was not responsible for. Capital One is fraudulently trying to collect a dead woman's debt. Public beware!

Whenever I got the phone call, I got the same run around, the apology, but they never keep their word. To me, this is harassment, mine and my husband's next payment isn't due until February. We are both so angry with Capital One, that we have destroyed the cards and will just keep paying our payments until our accounts are paid off. I am at the point that I won't answer my phone when I see their number light up. Is there any way these harassing phone calls can be stopped. I can understand if they call if my payment is late but it's not. Please help me with any information

I have now had these two cards for almost 8 months, never been late, and always paid in full each month and never maxed them out. I have had zero CLI and when I called to request one, they told me they do not offer and have never offered this. I then asked how close I was to transforming these cards into unsecured cards and the rep. over the phone practically laughed at me and told me in a not-so-polite tone that this is impossible because they do not nor have they ever offered to transform a secured card into an unsecured card. Wow. What a slap in the face.

Until the next month where I was billed by Capitol One again, this time with interest. I got on the phone again with both parties on a 3 way call and was told again it was settled. But the next month, the credit card sent another bill with late charges. So I got on the phone with the credit card again and they sent me verification from AOL that the charge from November was wrong and not valid. Last week, I got another charge from Capital One. The bill is escalating and I'm a senior and have been annoyed enough.

I have cancelled the card, but no matter what the operators tell me, the escalating bill for a charge that was false in the first place, keeps coming. I have no faith in anyone I talk to at Capital One anymore. This is borderline harassment. I have proof they sent me notice from AOL that the charge from November was wrong, but when I called the number, the card refuses to erase the charge from the system. As long as that escalating charge is there, I'll keep getting a bill. Help me. Please.

Every time I apply, they say I am not qualified. I have called them, told them that I am on disability, and have cancer, and I am up to date, but I need a credit increase. They turned me down. I want to know why, if I don't qualify, do they keep sending me mailings. When I was not ill, they gave me increases. This is discrimination. I don't see any other reason for it. I would like them to increase my credit limit, based on my past payments, always on time and as I said, I have paid them in advance, so in my time of need, I would like an increase.

So I decided to accept the offer and keep the account as a secondary card. After a few months, I received a call from Capital One asking me whether or not I withdrew $200 from my card and my answer was "No"! They assured me that they will remove any charges related to that transaction and that I was not obligated of any payment.

After a month, I received another call informing me that they didn't find that transaction to be fraud and I have to pay that $200! I tried to give them different reasoning that the transaction was not done by me and based on the policy of the card, they must remove all the fees. However, they said that someone had called them 18 hours before that transaction and set a pin. And if I believe that further investigations are needed, a police report must be filed.

Today, after calling them a zillion time and filing a police report and a million other forms and reports, I haven't been able to resolve this problem! The funniest thing is that the "agent" who is assigned to work on my case doesn't even reply to my messages, and any time I call Capital One, they say that Ms. so and so "is not available we'll leave a message for her"! I wish I had closed my account that day and didn't accept their freaking offer.

On December 29, 2011, I made a payment to CO using their online payment method. Like every month since I've been a customer, I pay my bill on time and in full, to avoid interest charges. Not only do I remember making the payment, but 2 things of importance were present when I made the payments. Firstly, although I receive a paper statement, it gets sent to my permanent home address (I am in grad school). When I made my December payment, I was surprised my bill was lower than I knew it should be, because I was aware of how much I spent that month. I figured I was credited for a late payment fee that was erroneously added to my account the month before. It turns out I was charged twice for my December payment. I was never notified.

Another important factor was what was actually on my statement. I had lost my dog 5 days before I made my payment and I was eager to get that charge off my statement because I did not want to be reminded of his vet bill.

I had used my card twice in December and made a payment for $120 (this total includes my credit). Even though I received a confirmation number after I processed my bill, I only received it on their website (and not through an email) after making the payment. Since I'd never had any reason to keep my confirmation number before, I closed the site after I saw the payment was scheduled to be made (Never again will I not keep the confirmation number due to this incident).

Not more than a week later, I was traveling in Florida and went to use my credit card, only to find out I was denied. When I called and inquired why, they said I had reached my limit. When I tried to dispute this, they said they would only refund me if it showed up on my bank account that I had been debited the money, since it wasn't showing on their records. This was unfortunate for me because not only was CO delayed on their proof of payments and online statements, but so was Bank of America. It showed it was never debited from my account. When I called BofA to discuss this with them, they said they never even received a request from CO to confirm the payment, which left me SOL.

When I called CO, again, I asked for them to review my account activity, to show that I had logged in on 12/29/2011. They told me that they don't keep records of that type of activity because "it would be a burden on their account files and storage on their computers." The only record of account activity they could access was from the current day. That means that no matter what, they can only tell you if you've been on the site that day, not even the last day you've logged in. Seriously? I am appalled at the lack of due diligence this company is practicing!

Not only that, but I was on the phone for over an hour, placed on hold, and then hung up on. All of their calls are outsourced out of the US. I understand it might be cheaper for them to do so, but when a US customer has a complaint they need to dispute and the numerous people they are trying to speak to barely speak English, it is extremely frustrating. Not only that, but all of their employees are programmed to go through the same routine conversation, and even if you try to tell them what you are calling for, they still go through the whole rehearsed routine of going through your activity where you made them. There is a difference between effective protocol and wasting my time, and this is the epitome of the latter.

At the end of 2 hours of trying to get someone to understand what I was trying to accomplish, I was left defeated. CO told me they couldn't even check to see if anyone even attempted to connect with BofA to make a payment to my account, nor could they even tell me if it was done manually or if a computer program just did it automatically. BofA had encouraged me to ask about this process because one of its (BofA) associates told me that often, credit card companies enter in routing and account numbers incorrectly, so that would explain why BofA never had a record of an attempted payment by CO.

Even though it's only $120, that is besides the point. It's the principle of it. This card was only for emergencies, hence the vet bill, and had a max of $200. As a grad student, paying a bill once is hard enough on such a limited budget. But when it makes you feel like you're being taken advantage of, that is just too much. If I was never notified of my credit, who's to say I won't be notified that they mysteriously found my previous payment. I'd been a loyal, prompt and reliable customer for 3 years and this was how they repaid me. This company needs to be exposed for how they exploit their customers, and it needs to happen asap!

I transferred my entire balance on the card to another credit card and requested the card to be closed at the same time. I found out later that they did not close the account, and they are still accepting all transactions that are from "yearly and monthly" type of accounts.

It's always been my understanding that if an account is requested to be closed, it's closed and no "New" transactions are to be accepted. If there had been a balance when the account was closed, then yes the balance must be paid. This seems to me to be a "tad" illegal.

We have a newborn baby that we need to buy formula for and we can't do that with a bank account that is negative $300. It's not like Capital One even cares though. There should be no problems with me faxing them my bank statement and they refunding me immediately but according to the supervisor, she cannot do that. I call ** on that one. I will be cancelling my Capital One card and never getting any form of credit from them again!

It has now been 3 weeks since Sony received the wrong item back and they have not shipped anything to me. I called them a few days ago and the representative could not tell me when my order of the 3 items will come since the one they made a mistake on has not even been shipped. The representative told me that they received the wrong item back and don’t know when they will ship the correct one to me. They also don’t know where the other two items are.

Sony Rewards has taken the points away, and although they promised last month in their advertisement to deliver by Christmas this is false advertisement and theft of points. The points are like cash and these points can only be used to redeem items listed in the Sony Rewards catalogue. Sony has not given me what I redeemed my points for and I am out of the points and don’t have any of the 3 items. Sony feels that they can get away with this because these items were not technically purchased; if this is the service, I would receive through credit card purchase and by now my credit card company would be involved. But since this is only a points redemption, Sony feels that they can act unprofessionally and unethically by taking my points away and not providing me with any items.

I had contacted Capital One credit card and they stated they cannot help me. I keep calling Sony and neither the customer support nor the managers are able to assist me. I want my 3 items sent to me or the points that Sony has taken away returned to my account. Sony Rewards has not shipped anything to me. Sony Rewards cannot tell me when my items will be shipped. Sony had promised early last month in their ad to have items before Christmas and have not followed through. Sony Rewards has taken my points but have not provided me with the items I redeemed points for. Capital One credit card that is associated with the Sony rewards program refuses to help me.

The debt management company paid the bill on 9/24. On 10/8, we called and spoke to Joel, to have the $25 late fee that did show on our statement removed. He said that he would remove it, never stating that there was a problem since we were on the debt management program. On 11/21, in the midst of our grandson's funeral, we received an email notification from Equifax of a credit change. We missed the email due to the family emergency, and then the holidays.

We received another notification on 12/29 from Experian of another charge. When we checked the credit bureaus, we discovered that Capital One had reported us as 2 months past due, because the payment had gone up to $92 and the debt management only paid $85. This created a delinquency in Capital One's eye of $7, and had never been paid, therefore they reported it. This report caused my credit score to drop 93 points. We called Capital One on 1/2/12 and spoke to Andrew, to ask why the late fee was never removed and why we were reported as 2 months past due.

He said that we missed the September payment and that the late fee could not be removed because of that. My wife told him payments were posted for Sept, Oct, Nov and Dec between the 24th and 26th, which was on time by the 28th due date as previously requested and agreed upon. Therefore, the $7 they are claiming we are late on, should have never been had the late fee been removed.

We wanted the late fee removed and the negative comments retracted, so my credit score would be reinstated back to what it was prior to 11/21 submission. After going through all the conversations and payments again, Andrew said, that it appears that the company had made an error. However, he could not remove the late fee, only a manager could do so, and no one was available that day. The only thing he could do was to submit an investigation to the credit bureaus. He suggested that we pay the $7 to bring the account current. so he could correct the due date.

He suggested it be moved to the 2nd that way the payment made by the 28th would be on time. He would also request that a supervisor or manager call us to discuss the issue with the late fee. My wife gave him her cell phone and the house phone. She requested that they call the cell number first, then the house phone number. We only had 1 call to our house phone, from them, no messages were left. (We have caller ID ND voicemail)

We called back on 1/4, 3 times only to be hung up on twice. The last time we spoke to Pam, who claimed a supervisor had indeed called us 3 times but we never answered the phone. She also would not transfer my wife to a supervisor because I was not at home to give my "approval". My wife asked her to make sure a supervisor calls her back on her cell phone. To date, no one has called her. We called again on 1/9/12 and spoke to Carla. She also claims that a supervisor has called us 3 times, no one answered and said that a message is never left for privacy purposes. Carla also told my wife that she only has authorization to discuss the account, she cannot make any changes. It has to come from the card holder. (I have given my approval every time she has called to make a change.)

Carla said that the late fee could not be removed because we are in a debt management program and that the inquiry to the credit bureaus probably will not change anything. Per their computer records, we were delinquent and therefore the comments will probably stand. We went into this debt management program in order pay our bills and keep our credit score good. Had we known that one credit card -- will do what they want and file a negative comment to drop our score, we would have just filed bankruptcy. It just does not pay to do the right thing anymore because corporations apparently do what they want to. No one makes them do the right thing. I think we the people need to start fighting back. This has to stop!

I contacted Capital One online and am told to call the next day during business hours. After being transferred five times, I spoke with a "fraud agent" who informed me my account was put on hold because of suspected fraud. I inform the man of my situation and am told the only way to undo the hold is to fax in one form of government issued ID, a pay stub, and a utility bill to prove my address.

After they received the documents, it would take an additional 3-5 days for them to review the documents and take the hold off my account. Why was my card declined in the first place? I was not provided any answers except that I needed to provide these documents and wait patiently. Wake up people. Capital One has a long history of doing the exact same thing to new card holders. Don't waste your time. I will be reporting them to BBB also.