Capital One Reviews

I called to settle a late payment, today 030707. They said they would process it and wave the next months late fee. I received a call just 20min later by another rep stating that they will not wave the fee and they where going to charge my account for 29.00. nyway $21. Then I receive a bill for about $52 minimum. So I pay it. the next month I receive a bill that states I have late charges that I need to pay because I didn't include the normal monthly payment (52 + 21).

We had a funding company cut a check in the amount of $4,285.00 to Capitol One to pay off the balance of the check. Capitol One processed the check as $1,285.00. When I called to straighten this out I was told I had to get in touch with th3 bank that the check was written on and get a reference number so Capitol one could correct this.

I've had a long relationship with them (5 years) and always have paid in full every month. They've attempted to negate my rewards points. Claimed false late fees and done just about every ridiculous thing in the book. Then when I review their supposed "loan" requirements I notice that it's now saying you've had a business card with at LEAST a 5,000 limit...they have my limit set at 3500 but yet I've done over 60,000 in business with them and another 30 through their auto loans.

i have tried for two days to close my account each day i sat on hold for over an hour each time the first day after waitnig for for an hour i hung up and called back later talked to an actual person then was transfered to another department just to find out that they were closed, the second day was the same situation but i ended the call before i was to be transfered again because the gentleman told me that the department would be closing in 10 minutes.

I had a $4,000 loan in 2001. I Had emergency surgery in September of 2004. I was on disability for 2 months. Could not pay. The attorney made arrangements to pay when back to work. I was told instead of paying $105.00 a month, I could just pay half, about $50.00 a month. I owed $800.00 only. In between getting better in two months from Sept to November I was harassed daily up to 7 times a day even on weekends about the money. They would call at 6 a.m. PST until after 9:30 at night. I am now on Credit Foundation Consumer Debt Program. All bills including the 3 Capital One credit cards i have on the list. I paid off one Capital One credit card last year and still making payments on the other two at $30.00 a month each. For the loan payments, I was yelled at, screamed at, cussed at, Capital One made calls to my job. I wrote them to please do not call my job and they continued. The Lawyer called last month to say Cap One is suing me. I called the Lawyers (Winn & Sims in Fullerton, CA) i don't want to go to court. They refused to cooperate. I get a letter a week or two more and says that we can solve this problem.. I was informed I owe from $800.00 now over $3,700.00 from 'fees' over the last two years and court costs. I had a bonus, which I sent them in a cashier's check of $1,000.00. I am now to pay $175.00 per month till this is paid off. This was originally a $4,000.00 loan. I only owed $800.00. Cap One will not give me information on all the payments I made automatically over the years. So now I'm stuck paying $175.00 a month and.

I opened one of the mailings that said my account was changing. In the letter I found a statement that included a bill for payment protection and there was a number to call beside the company that was billing me. I called the number. Apparently Capitol One gave my credit card number to some payment protection company and they have been billing me for a service that I did not purchase. I have never signed any contract with the company, which I found out was named Stonebridge out of Plano, Texas. I spoke with a lady at the number beside the payment protection listing on my statement. I told her I didn't by any payment protection and she wanted to know if I knew what it was, I told her I didn't, she then explained it to me. I told her that I would never buy anything like that and that I wanted my money back from them. She told me that she was only authorized to credit back two months and that I would have to write Stonebridge in Plano Texas. This has caused me economic damage as I've been billed for approximately 7 years at $29 something a month for a product that I have not purchased. Along with what they billed me, Capitol One of course tacks on interest.

I opened a direct money market savings account and setup the auto transfer for the 20th of the month. When they took the transfer I went to verify it on line and the account was gone. When I called they said it has gone past the 30 days since I opened it. They had to wait 10 business days before I would see the money again or before I could remove it.

Every month we mail our payment on time to Capital One. (At least 10 days prior to due date). Every month they state that they have not received the payment until 3 - 5 days after the due date. In turn they have taken an APR of 6.99% and jumped it to 29.99%. We have a rather hefty balance with them (20k) and that interest is destroying us.

I have an account with Capitol One. At first there was no interest, and then they started making it totally impossible to pay them off. I pay my bill online on the 3rd. of each month (It's due on the 6^th). I usually pay up to double the about owed but always more than is required. I pay on time and they still add late pays, over the limit charges and high interest. It is totally impossible to pay this bill off or even pay it down because it’s like my payments mean nothing at all. They do not count my payments until the following month.

I called Capital One to increase my credit limit and was denied the limit increase, but qualified for a new card. I never activated the new card. A few months later I pulled my credit report. Capital One was reporting me for failing to pay a membership fee (under $20.00).

I received a Capital One credit card in 1998. I had several times when I received my statement 2 days before it was due. Making me have to pay over the phone in order to avoid their RIDICULOUS late fees. In 2003 I was having a hard time keeping up w/ payments. I called Capital One to close my account and was told it would be taken care of, but I still needed to pay the balance. I agreed. However, on my next statement I was shocked to have found that I had gone over my limit (due to them charging me the annual fee). There should have been NO charge. The card was canceled and cut up.

I have had a Capital One low amount Visa since about 2003. The payments I send are usually much more than the minimum- but if the bill is due in two days, even if I have sent say 200. when all that is due is 30, I still get a late fee. I would like to send them a moneygram today but can't get in touch with anything but a robot- the robots can't answer any real questions for me like how I can wire a payment by giving me a routing number etc. It is as if the whole thing is set up so we will continue to be late and pay extra fines. I plan to pay it off and not charge anymore and see what happens.

In January of 2005, I noticed a charge on my Capital One statement from a credit protection offer that I had declined when I first applied for the credit card. I tried several times to contact the company that provided the service, but I was unsuccessful in canceling. No problem, I thought, I'll just tell C1 to deny the charges.

I am trying to refinance my house. When a credit report was pulled I found out that Captal One had reported me to all of the creit bureaus as delinquent. I was told by Capital one that we are delinquent if the payment is one day late. I don't believe that. After 6 years with them at 19.90% intrest and always paying early, they reported me.

I had (3) small credit cards from Capitol One for several years. I didn't use the cards anymore so I destroyed the cards by fire. Then waiting a month called to get the balances and paid them off over the phone. Shortly after that I called their payment protection insurers to cancel them.

Capital one charges you over $10 to pay by phone using one of their human customer service people. They also put a payment due date on your statement that might be a Sunday, so that when you call to pay you're late b/c the payment won't post until the following day.

I have a Capital One account. I just recently started having problems with Capital One. Capital One has accepted my online payments for November and December. I have paid them before the due date. I check my bank account and keep finding the payment has not been taken out of my account. About 5 days layer on the Capital One website when I check my account it shows the payment has been returned. I have had more than enough money in my account and there is no reason the money couldn't be drawn. I have tried contacting Capital One to no avail. Try their customer service number and all you get is a canned menu.

My father, who is 63 years old, has always taught me that there is great responsibility involved with credit. Leading by example, he was never late to pay a bill in his entire life. He never had any issues with credit, that is... until he tried to consolidate with Capital One. After receiving an offer in the mail for a low-interest consolidation loan, my dad applied via telephone to consolidate 5 separate balances. The customer service rep informed him that he would receive his information by mail. A little over 2 months had passed, and he received nothing. Also, one of the loans he had consolidated had not shown a payment.

I took out a $500 dental loan last spring. I paid it off early to avoid penalties. I am being harassed daily about not paying the loan off completely. I get phone calls constantly and sometimes they do not even say anything but caller id shows it is Capital One.

A balance transfer promising to be "accurate service without hassle" was anything but that. I was approved for the transfer on Oct 15, 2006. GE Money never received the payment.

I had applied for a possible credit card through Capital One and received an offer to open an account. Upon receipt of a confirmed offer, I decided against opening any account and never activated it. However, Capital One is attempting to bill me for the $39 annual fee. After several attempts to clear the issue via telephone, I was able to speak to a representative (Erma) on Sept 18, '06 and she confirmed to me the account was inactive and would be closed. They are still attempting to collect a $39 annual fee for this account that was never activated or in existence to begin with.

I made a purchase on vacation for $1230.00 but before taking possession of the items I changed my mind. NOTE: I never had possession of the clothing. The store would not give me a refund so I called capitalone to see what I should do. They told me not to worry and that they would take care of it. Well that was in July and guess who had to pay the $1230. and never got the merchandise. This process to fight with Capital one took many, many phone calls and caused an enormous amount of stress in my life for several months. May they rot in hell!!

Capital One charged me a $600 fee for a check I wrote against my Line of Credit Account. The first time I called them I was on the phone for 90 min. before they even found my acct. After filing a complaint with the Attorney General in Maine, they contacted me and reduced the fee to $450. I still felt that the offer was fraudulant because it was compared to a home equity line of credit acct. The difference being that with a home equity acct you're not chared a 3% fee every time you write a check.

I called Capitol One to request a balance transfer based on an piece of mail promising 5.9% interst. The person on the phone verified this as a valid offer. I went ahead and did my balance transfer of $2,800. Upon recieving my first statement, I noticed that the rate was at my standard 14.9%. When I called in to inquire about this error, I was informed that this offer had expired two days prior to my request. Even with this considered I was promised by the representative during the balance transfer that this was a valid offer.

Capital One has turned in a person with the same names as me for collection. I have repeatedly tried to convince them that they have the wrong person. They do not have a branch anywhere near my vicinity allowing me to walk in and prove myself, and I'm reluctant to divulge to much information over the phone, they assure me that no credit card has been issued under my name,yet they continue to harasse me. This has continued for a month, and I wish it to stop!

I have on several occasions had deposits held from hitting my account causing me to have up to 300 dollars worth of NSF charges. I also often use on line banking. On several occasions I have checked the online site to make sure that checks and payments have cleared my account. When I checked back the next day or so those same payments have been altered and I have been charged NSF fees. I am not sure as to why after a pmt is showed as cleared, that it would later reflect a nsf charge. I have called several branches and the associates are not friendly. I know of other people in the area that have had the same or similar problem with deposits being held for excessive amounts of time even when they are drawn on another capital one account. They are purposely changning account information to be able to charge nsf fees to their customers.

I signed to have my teeth financed by Capitol One Health Financing. I was lent $24,000.00 interest free for a year. I started to pay it off because they demanded payments during the year I was at zero interest. Well after I received more money because the dentist, Eastern Dental in Clifton, NJ said he was changing the plan of the implants for me I called Capitol One and asked what was the balance on my account. They told me it was around $16,050.00 and I was going to pay that but the girl said Oh, you want to pay it off? I said, Yes. She told me in that case the payoff was $18,600.00. I said how can I amass so much interest in ten days? I had just paid them $1,000.00 on July 07, 2006. She said I will have to pay because I have to pay for the year that was supposed to be free.

I noticed my monthy loan interests going up dramatically for no reason that I could identify. Eventually I was forced into a cash flow insolvency.

I've had a Capital One credit card for 3 months and am desperately trying to close same. While on vacation in May, I made the big mistake of taking a cash advance on the credit card for $300.00 - I'm still paying interest on this even though I pay the full balance each month. I have contacted the company several times and have had no success in getting the issue resolved. I have one payment left that they again have pro-rated up to the next billing cycle (with a finance charge attached) to pay this card off. My understanding from their own paperwork is that if you pay your new balance each month, there are no finance charges attached. God forbid, but it isn't true with Capital One - they are rude, they do not work with you - do not want you to close the account, etc., etc.

I signed up for online statements. I've noticed two times now that the online statement notification is sent the day AFTER the payment due date. I incurred $29 late payments fee ($58 total)

I received an offer from Capital One for an unsecured $50,000 loan at 6.99%. I applied and received a check for $50,000 at 9.99%. When I called them they said it was because I did not qualify for the lower rate. I checked the credit companies and I have no adverse reports. I called Capital One again and they said just don't cash the check. I put it in a file. I feel that this is a bait-and-switch tactic. But that's not all. For 2 months I have gotten bills for the interest. Each time I call and they tell me to ignore the bills. Why can't they just stop sending them? Each time I call it is 10-20 minutes on hold to get an unhelpful rep. I asked one rep to transfer me to a manager. His reply was, No. I don't need to do that. I have handled your question.

Capital One is consistently sending statements late. This month I discovered that I have a bill due tomorrow, and I have not received the statement yet. This has happened at least twice this year. When I call them they say it's probably a problem with the post office - but I seem to receive my other bills in time to pay them. I'm wondering if they are doing this purposely for late fees and interest charges. I have seen other postings on this site of a similar nature.

We have had 3 Capitol One cards that we though we had paid off. One in particular was a $500 card. We paid it off the first time, we thought. Then we started getting collection notices. We called and they convieniently forgot to give usthe total including the late charges and penalties. We paid it off again. Unfortunately, I am not a great bookeeper and could not find the reciept so, once again we have paid the same credit card off. I wonder how long it will take until they start calling again. Can we all band together and hire a lawyer? This is causing me a lot of stress and I'm afraid what I'll do if they contact me again.

On May 1, 2006 I was looking through my credit report to make sure all was in order. I was planning on refinancing a home and getting into a more fuel efficient car. Unfortunately all was not as it should have been on my credit report. I have been a loyal Capital One card member for over 7 years. During this time I have NEVER ONCE made a late payment. I have never made a late payment on any of my credit cards. This however was not reflected in my credit bureau report.

Let me first say, we are deep deep in credit card debt which is no ones fault but ours! we received a solitation from Capitol One promoting balance transfers and fixed interest rates. On July 5th I called to see what it was all about. I told them I wanted to pay off a $30,000.00 balance I had on a CitiBank Master Card. She told me to give her some personal information and she could do a credit check while we were talking. She read me the long agreement terms and when she was through she said I was approvedfor the #30,000. and did I want to do it. I said yes but first I wanted to know what my monthly payment would be.

You can never be connected to a customer service representative, unless they are calling you. The automated answering system is for Capital One's benefit,only. Recently, when you attempt to pay your bill online, the system suddenly is not currently working. This way, you will have to call in your payment by phone and pay Capital One an additional $10.00 for a payment by phone. I am almost paid in full. I can't wait to cancel with this company. They don't seem on the up and up.

While trying to make my monthly payment I was informed that Capital One had decided to cancel the program in which my card belonged to. I later found out that the accounts were being handled by another bank who I can only assume purchased the accounts. Everytime they claim I am being transferred to that bank I get disconnected. I then tried to call the number on my card and it states the program had been canceled. It did not give an alternate # or anything.

I had credit with Capitol One and found that thier credit practices were less than desirable. I closed my account by paying the balance in full. I sent a letter to them with the final check to express how dissatisfied I was with their credit charges. In short, I explained how I borrowed $425.00 and paid well over $1600.00 payments. Capitol One had all thse hidden charges that ended up on my bill. After I sent them the letter I noticed that they reported me to the Credit Bureau for being late. Problem is they reported different late dates to three different bureaus. When I complained about that I noticed that they made changes to two of the bureaus and one bureau still has a different late reporting period.

Capital One can not be reached by phone. There was a charge which I wished to dispute, but it was not possible to contact a person by phone. You can only interact with a computerized selection system! Furthermore, it is nearly impossible to redeem point miles. I call them, Capital One, the all hassle card!

I had a capital one card 4 yrs ago, that unfortunatly went into arrears due to a disabling accident. I made arrangements to pay $269.00 and the rest was to be written off, which was about $460. it is still being reported as an outstanding debt on my credit reports, I have disputed this and called and wrote the company with proof of payment and they refuse to acknowledge the payment. When I do get a hold of a customer service person, they are rude they and condesending, and one even attempted to lecture me about paying my bills.

We have several Capital One credit cards and just about every month at least one of them gets an over-limit fee. I write to them every month to complain since it would be impossible for us to keep track of our purchases to stay under the limit (we have 4 businesses that we use the credit cards for). They shouldn't allow the transaction if it's going to put the card over the limit! For awhile they would credit the fee but now I've received a letter saying they will no longer credit these fees. I'm planning to close all of my Capital One accounts and stick with CitiBank.

I thought I was going crazy and imagining things until I found other consumer complaints about not being able to close Capital One Accounts.

My father passed away 1-2 years ago. We subsequently paid off all his bills including the Capital One Credit Card. We then cancelled the card but not for some months after the payoff of the card and that was due to our oversight. After cancelling the card, we(my father) then a few months later got a bill from them that there owed another $3700 in charges that were accrued after the cancellation. It seems that someone got a hold of the number after the cancellation and ordered a replacement card in my deceased fathers account and Capital One sent the card to another address so the thief could run up all the charges.

I am a US Citizen receiving disability which is SSDI Social Security Benefits and SSI benefits. I have 2 capital one credit cards that I used to use but could not keep up with the payments. Capital One continues to charge high interest of about 20 percent on these 2 credit cards so the balance is increasing of this debt alone at rate of over 180 dollars per month by my calculation of the data from successive credit reports.

For the past 8 weeks I have been receiving phone calls from the Capital One collection people asking for a person who is not in my household. While trying to be polite I have talked with your supervisory people on 3 different occasions and have each time been assured that my number would be taken off of the call list.

I have power-of-attorney of my aging father's account. Last month, I managed to get the membership fee waived after 30 minutes on the phone. This month, suprise, the fee was still on the account, plus a late charge of $29 and intereste that had accrued since last month. So again I had to dispute the membership and the late payment fee.

I was a happy credit card user even with the outrageous interest rates, I'm living in Mexico, so I have no social security number, when I first get the promotional about the credit card I filled up and sent it, a person called me at that time and said it was not a problem so they gave me a credit for 300 USD which I received, my credit was increased couple of times so I reached the limit of 2500 USD which worked just fine for me since I do some business using the credit card, I use to pay on time with no problems at all, so this year I get the advise that my credit card was promoted to a platinum credit card, nice uhh?

I recently applied for a car loan and after being turned down numerous times I sent in for a copy of my credit report. I found out that Capital One bank was on my report as an outstanding debt since 1999. I disputed these charges with Expierian, but they said Capital One said the debit was legitimate.

We have just built and moved into a stilt house on a canal with direct access to the Gulf. We now understand that no inurance agency will write a homeowner's policy for us except through Citizens. Citizens is governed by the state of FL.

When I applied for a credit card in December of 2004, I was charged a membership fee of $49. I was unaware I would be charged this fee and after complaining about the fee they agreed to reduce it to $24.50 and told me that I wouldn't have to pay a membership fee in the future.

A derogatory comment was placed on all three credit bureaus and I do not have the account listed!

I have a low limit ($500) Capital One credit card. I hadn't had any problems with them crediting my payments, until I was involved in a "phishing" scam. I tried to contact the Capital One customer service, but the way they are set up it is IMPOSSIBLE to reach a human being on the phone. The only way to talk to someone was to pick the option to "pay by phone" and agree to a $10 charge.

I had a Capital One credit card with a $1000 limit. I was paying it and getting my payments there on time. Then one month they added a late fee and said that my payment did not get there on time when the statement clearly showed the payment arrived at least two days before the due date. I kept trying to pay off this account and they kept adding charges.

I first got my card when I was right out of high school. I never had a credit card before and I thought it was a good idea to start establishing a credit record. My limit was only $200. My balance had gotten up to about $180.00. I sent them a check for the whole $180 about the same time I moved to a new apartment. I was going to call the company and give them my new address, but I kept on putting it off, since I knew I had paid them off and I had not charged anything else new on the card, I wasn't that worried about receiving my statements. About 2 months after moving, I had almost completly settled in to my new address and thought to call the company with my new information. When I called, I learned that I owed almost $300! This came as a total shock as I knew I had paid them off and made no new charges.

In January of 2004, I had a Capitol one credit card stolen from my vehicle. I was not aware of the situation until I received my credit card statement. I had recently paid off 100% of my estimated $1900.00 credit debt with Capitol One, and was astonished that I was being charged with $3542.90 of transactions. Transactions that I did NOT create, nor did I authorize.

I have been battling Capital One for quite some time now. I discovered that someone used my information to obtain one of their credit cards, the funny thing is that according to Capital One they actually made payments on the card and then defaulted. I've been disputing this account through the credit bureaus and through Capital One. Each time I disput through the credit bureaus I get a response of "this account has been verified, no change".

I had an account with Capitol One Bank with a $250 limit. I used the card but did not get a statement for 2 months. When I finally got the statements 3 months later there were 3 $35.00 late charge fees even as I continued to call and find out how come I have all these service charges no one could give a good reason. I fought back and forth with the company. It was removed only to show up again 5 months later.

I applied on-line; credit limit $500 in 2002. I live on disability and part-time jobs. I was not properly made aware of Membership Fee. I went over my limit in 2003, just in time for my membership dues to be paid. Then they hit me with finance fees. Now, my debt to them is $1012+ and I've tried to close my account and even cut up my card.

I had an electronic funds transfer done through my bank to pay off my credit card balance. This was on 1/23/2004 and as of 1/30/2004 they have not credited my account. My bank faxed them all electronic information including tracer numbers showing where Capitol One had received my payment and they still have not applied the payment of 216.00. The funds have already been taken from my bank account and every time I contact them or fax them they do not take care of this problem. They still have not applied the payment. I spoke to Customer Service on 1/29/04 and was told funds would be credited by 1/30/04 and this still has not happened.

In February of 2003 I signed up with a Credit Counseling Service - they told me to send them all my bills and they would negotiate a payment plan with each of my creditors for a large fee. I paid the fee and sent my paperwork. At that time my Capital One bill was $947.96 and I had a credit limit of $1000.00. While the credit counseling service was negotitating a payment plan with Capital One it came time for my payment to them - which was never made. Because the payment wasn't made they added $35.00 for a late fee, $17.29 for finance charges which put me at $1000.25 so they tacked on $29.00 for overlimit fee.

I got a loan from my Credit Union to pay the two credit cards off. Then they turn around and send me a pre-approved Platinum Visa card. Nowhere in their information or applications do they disclose that they charge the annual fee to the card right away. I sent them a letter telling them in no uncertain terms that they are to remove that charge and close the account. They ignored that letter and are now trying to extort money from me.

Capitol One is applying similar tactics as Direct Merchant's Bank. I have faithfully paid my bill on my K-Mart MasterCard each month. Recently I started receiving "Late Fees" even though I had sent my payment 7 or more days prior to the due date. When I contacted Capitol One their reply was, "You need to send your payments sooner. If we do not receive it on the due date you will incur the late fee."

They have reported me to the credit bureaus for an account that I did not open, Despite seven requests by fax & letter, they will not send proof that this account belngs to me.

Capitol One keeps calling and harassing my mom. She's made arrangements with them and they still keep calling. Also she sent them the card back cut up and said she wanted to cancel the account. They said they couldn't cancel the account till the total bill is paid off. But they keep raking up charges on the bill every month even admitting to my mom that they put $700.00 worth of finance charges on the bill. Mom says how can I get it paid off when they keep adding finance charges on it every month. Is there anything my mom can do to get them to stop calling and adding more to the bill each month? It's crazy.

This was a new gold Mastercard with a $200.00 credit limit, no cash advances, a $49.00 deposit (billed with the first month) and a $39.00 annual membership fee (billed with the second month) and 0% apr for the first 6 months. I charged a total of $183.82 and when I got my bill it was for $381.07. Before I received the first bill they were calling and telling me I was over my limit and I told them, no they were mistaken, let me get the bill and see.

I have been trying to cancel my Visa and Mastercard accounts with Capital One and stop accruing charges since October of 2001. They are continuing to assess charges to J. C. Penney Insurance, membership fees, and late charges made after they acknowledged that the accounts were closed. I stated very clearly in my closure letter that I had stopped authorization for any additional charges on my account and called J. C. Penney and the credit care protection company ensuring any direct charge accounts to them were closed by 11/05/01.

After long suspecting delays by Capital One of either not sending statements or delaying posting of received payments,I decided to close the account. On 02APR2001 I checked my account balance online, confirmed it with a call to customer service and made an electronic transfer of funds for the complete current balance ($1149.15). Since this took place in the evening, I knew that thae actual transaction would not take place until 03APR2001, the due date on my last statement. I believed this would be the end of it.

We mailed our check of $40.99 on May 17, the payment due date was 5/27. They held my check until june 8. Then charged me 1.66 resulting in three more months they added 77.00 on something the 1.66 that appeared when they held my check.

I received a Capitol One credit card
More