Capital One Credit Card Customer Service Issues

Dear Capital One, I mailed a check to your company on October 4, [redacted], from my local New York post office. This is not the first time I have experienced delays in your acknowledgment of my payments, resulting in unwarranted delinquency charges. I find this pattern of inefficiency unacceptable. In the past, I was even charged a stop-payment fee for a check that was sent well before the due date. I urge you to address this issue promptly to prevent further inconvenience and financial penalties. Sincerely, Paul D Quatrochi PhD President of Quatrochi Fine Art Agents, Ltd.

I have been a Capital One credit card holder for several years with a flawless payment history. In September, my account was restricted after adding authorized users due to missing personal information. Despite submitting all the required documents twice as instructed, my account remained frozen. Even after speaking with supervisors and managers at the Fraud Department, new requests to resend information kept coming. Despite verbal confirmations and approvals from multiple agents, the issue persisted. After multiple calls and assurances that the issue was resolved, I was informed that mistakes had been made and all documents needed to be resent individually by each user. The back and forth communication and changing requirements have been frustrating and confusing.

Stephen Hunt 4 The Knoll, Uley Gloucestershire GL115SR 30/11/[redacted] Email: [redacted] Subject: Regarding Capital One Account Dear Sir or Madam, I am writing to address the outstanding payment for my Capital One account for August [redacted]. Due to my recent separation from my wife, I am currently experiencing financial hardship. I am temporarily residing at the mentioned address until I secure alternate accommodation. Coping mentally and financially has been challenging, and I am doing my best to manage my situation. Acknowledging that I am now in arrears, I propose to make a monthly payment of £50 for the next four months until I stabilize my financial standing. This is the maximum amount I can afford presently. After this period, I plan to reassess my finances and potentially increase the payments to clear the arrears promptly. While I understand this is not an ideal circumstance, I prefer this payment plan over considering bankruptcy. I regret any inconvenience caused by this situation. For future correspondence, kindly reach out to me via the provided email address. Sincerely, Stephen Hunt

Hello, I have previously set up alerts to notify me of payments due in 10 days, yet I ended up missing a payment. My Walmart card was switched to Capital One, and this has led to a late payment. I have always been punctual with my payments and haven't been late on anything since returning from Iraq in [redacted]. This situation with the late payment is frustrating, especially after working hard to maintain an [redacted] credit score. I hope this can be resolved promptly. Thank you. - RET [redacted] Breckenridge St Mayville, WI [redacted] Account ending in [redacted]

On Wednesday, October 30th, I received notice that my two Capital One credit cards were closed. A representative mentioned sending a letter explaining the closure within 7-10 business days but didn't provide details on the reason, citing a violation of Terms and Agreement. I requested the Terms and letter via email, which I received at 5:37 pm on the same day, yet it still lacked clarity on the closure reason. Coincidentally, I had contacted a representative on Sunday, October 27th regarding a payment issue due to a system error. After researching, it seems Capital One's closure of accounts without specified reasons is not uncommon. I've held these cards since [redacted] & [redacted], maintaining excellent payment history. I am puzzled by the sudden account closures and feel let down by a company I trusted. I urge Capital One to either reinstate my accounts or provide a detailed explanation for the closure. I also hold a checking, savings, and auto loan with Capital One. Best, Wanda K. Simmons

Capital One Customer Service Director [redacted] Capital One Dr. McClean, Va. [redacted] Oct 24, [redacted] Case No. [redacted][redacted] Dear Director, I am writing to express both praise and concern regarding my recent experience. During a cruise with Royal Caribbean on Sep. 15-22, [redacted] in St. Kitts, V.I., I encountered an issue with my Capital One Venture card. After purchasing jewelry for my wife totaling $[redacted], I discovered that a $56,[redacted] charge had been added to my card without my authorization. This caused significant stress as I had to navigate the situation upon returning on the 22nd. I commend the professionalism of Valerie (ext. [redacted]), Kawanze (Agent ID WEG353), and Liz (Agent No. FPY496) for their assistance during this ordeal. Liz, in particular, demonstrated exceptional care and communication throughout. However, I am deeply concerned about the lack of communication and oversight that allowed such a large unauthorized charge to occur, resulting in a negative impact on my health and credit rating. I urge Management to address this issue promptly. Since then, I have reduced my credit line, and I appreciate the increased communication from Capital One regarding my transactions. Sincerely, Brian Armstrong Tele. [redacted]-[redacted]-[redacted] Email: [redacted]

I applied for the 15-month no-interest cash back credit card with a minimum line of $15,[redacted] twice but got rejected. I currently have a Quick Silver card with a $5,[redacted] limit. The rejection I received from the Las Vegas, NV office cited a credit score of [redacted], but my actual scores are as follows: Experian [redacted], Equifax [redacted], and TransUnion [redacted]. There have been multiple hard inquiries due to ongoing home improvements, and my good accounts involve banks making inquiries. I have never missed a payment. I kindly request a thorough review of my credit report with the correct scores in consideration. I believe my credit reports are in front of you, and I urge for a fair assessment. Please do not transfer my application to the Philippines. Thank you. - Ronald F., Quick Silver Capital One cardholder and Walmart Capital One credit cardholder.

My husband, aged 79, is a Purple Heart recipient and [redacted]% Disabled Vietnam Veteran. Due to his service-related health issues, he cannot fly. We reside in Ecuador where he no longer needs continuous oxygen. Unfortunately, we are unable to access our Capital One credit card online as we lack a USA driver's license, State ID, or a US smartphone. On 11/30/[redacted], a Capital One representative mentioned that a USA Military ID would grant us access. Despite providing extensive documentation, including various US and Ecuadorian IDs, the Capital One fraud department insists on a USA driver's license or State ID. Regrettably, without online access, I am forced to discontinue making payments as I am unable to monitor the account effectively.

I am extremely disappointed in the customer service and website assistance I received regarding my Walmart card. I have spent a month on the phone attempting to make a payment, only to be met with unfulfilled promises of return calls and misinformation about payment options. I urge you to consider retraining or replacing employees to uphold company values and enhance customer service levels. Customer service is a vital aspect of maintaining customer satisfaction and fostering business growth. Support should encompass various communication channels to ensure a seamless experience for customers. Upholding brand promises and delivering quality support is essential in today’s competitive market. Sincerely, J.P. Last 4 of Walmart card: [redacted]

I have noticed that the web store Supreme NY has 14 pending charges on my new card ending in [redacted]. This happened because I repeatedly received a message on my screen declining the card. The message also suggested that if I believe I received the message in error, I should try again. I have already discussed this matter with customer service. I would like to attach a screenshot of the message to help clarify the situation. Thank you, Kevin L. [redacted]

I cannot access my credit account without a cell phone for the security number verification. My landline is not accepted, and I need an alternative method. While I receive paper bills, I sometimes need to check postings online. The customer service call was difficult to hear, and the agent's clarity was lacking. Kindly consider adding another security option for account access.

I recently switched to Capital One from Synchrony Bank Walmart card. When the switch happened, I had to update my password to meet Capital One's requirements but kept my original login ID. However, despite making a couple of payments with the new password, I couldn't log in to add my office bank account for payments. I tried to reset my password, thinking that was the issue, but now Capital One says my username is actually my password, not the ID I have been using. How can this confusion be resolved? I would like to change my username back to my email address and then address any issues with the password if it continues to not work.

Capital One keeps running hard inquiries on my personal account, which I am disputing once more. I attempted to apply for a business credit card to substitute my Venture One Card, but they informed me they were unable to provide one and instead proposed another inquiry to check if I could qualify. I endured a hold for more than 20 minutes. Although each representative was polite, none could assist me. It's extremely frustrating to be unable to secure a business credit card, especially when I have had a successful business for 15 years with a good credit history.

To Whom It May Concern at Capital One Bank, My name is Nguyen Nguyen, and I am reaching out regarding my Capital One Credit account with a $[redacted] limit. This limit is insufficient for my needs, particularly when shopping at Walmart with its Credit Capital One card offering a 5% discount. I am requesting an increase in my credit limit to $1,[redacted] so I can purchase monthly essentials for my family with the associated discounts. I have a positive credit history with Wells Fargo, where my credit limit exceeds $5,[redacted]. However, I prefer using the Capital One card at Walmart due to the discount offered. I aim to manage my expenses better with a higher credit limit on my Capital One account, ensuring I utilize it responsibly and pay off the balance promptly each month. Thank you for your time and consideration.

I'd like to provide an update on my accounts with you. Recently, I faced challenges due to a category 5 hurricane that hit us on October 10, [redacted]. Despite having our roof replaced on September 15, [redacted], we experienced extensive damage, leaving us without ceilings. Dealing with insurance and construction issues has been overwhelming, leading us to enlist the help of a lawyer. I want to inform you that payments for both of my cards have just been sent out. Thank you for your understanding during this challenging time.

I applied for a Venture card on October 19th, but as of today, December 20th, it remains unactivated. Despite speaking to 8 friendly representatives, the issue persists. After contacting a supervisor and providing photos of my driver's license, I was informed a new card was being sent, but it hasn't arrived after 10 days. I can't access my online account due to additional verification requirements they say are needed, even though I've had my cell phone for over a year. My patience is wearing thin.

I found myself struggling with my finances due to misusing my credit card while battling addiction. Unfortunately, I exceeded my credit limit, and my account got restricted. I wonder if this restriction indicates a permanent closure or just until I settle the balance. While I am diligently making payments, I am unsure if I will regain access to my account once I clear the debt. Is there a possibility to arrange a structured payment plan and potentially have my credit card reinstated in the future?

I recently applied for a Capital One credit card with a promised $49 fee upon card receipt and online activation. Despite not having received the card, the $49 fee was already deducted from my bank account, resulting in an overdraft charge. I am seeking assistance to dispute the charges, obtain a refund, and cancel any automatic subscriptions. Payments were not supposed to occur prior to receiving and activating the actual credit card. I kindly request the removal of all my account information from your records. Thank you.

To Whom It May Concern, I am Carl Thoreson with joint account number [redacted], opened on 12/13/16. After my previous company was sold, I had difficulties finding employment in Colorado, leading me to move back to South Carolina for better job opportunities. Since stabilizing here, I have been able to keep my payments current for almost a year. I am now looking to buy a home and regret falling behind. I have always had a good experience with Capital One and hope to continue using your services. Any assistance in resolving my late payments for January and February [redacted] would be greatly appreciated as I move forward. Thank you for your time and consideration. Carl Thoreson

I made a $[redacted] deposit over the phone with a car dealer for an older truck after being assured it had no accidents. The VIN history reports showed it had been declared a “total loss” due to a severe accident. Despite providing evidence to Capital One for a refund, they keep reversing the charge without reviewing my documents properly. I feel frustrated by their automated responses and lack of human oversight in my case, which is a clear "item not as described" situation. I never received the truck, signed any contracts, or paperwork. I'm hoping for a fair resolution.