Capital One Credit Card Customer Service Issues

I have faced financial challenges recently, making payments below the minimum to keep my accounts open. I hoped to eventually make a lump sum payment to catch up. Unfortunately, today I was locked out of the system due to pending charge offs. Despite making partial payments, I am considered [redacted] days delinquent. I kindly request that my accounts be reopened in goodwill so I can bring them current and restore my standing with Capital One. Thank you for your understanding. Aaron J.

Dear Team, I do not currently possess an account with you; however, my employer does. I have been instructed to retrieve and download statements from our business account only. I require view and download privileges, with no intention to establish a personal account or be added to one. This access is solely for processing transactions, updating our general ledger, and assisting with account reconciliation. Kindly provide me with the necessary link or instructions for access. For your convenience, please reply via email or send the details directly to me. I understand the company contact person is Karina, and you may include her in the correspondence for reference. Thank you for your prompt attention to this matter. Best regards, Elizabeth Unilink Transportation - Mencar [redacted] ext. [redacted] [redacted] [redacted]

Dear Capital One, I have been a loyal customer of Capital One since [redacted] and have had a positive experience overall. I am reaching out to inquire about the possibility of receiving a "goodwill" adjustment on my credit report. My account shows six late payments dating back to [redacted], despite my consistent on-time payments in recent years. I am hopeful that you may consider removing these negative marks due to my improved payment history. While I take full responsibility for the late payments, I want to emphasize that they do not reflect my current creditworthiness. At the time the payments were late, I was undergoing a job transition. I believe that removing these late payments would more accurately represent my credit behavior. I value the relationship I have with Capital One and have always been satisfied with the service I receive. I trust that Capital One understands the importance of customer relations in the competitive credit industry. I hope that you will review my request and demonstrate the exceptional customer service that sets Capital One apart. I eagerly await your response. Sincerely, D. Haynes

I recently applied for the Capital One Venture card and was unfortunately rejected. I was confident in my [redacted] credit score, $57,[redacted] total credit limit, and 0% credit utilization. With no missed payments in the last 7 years and a habit of promptly paying all charges, I felt qualified. Despite a mortgage payment of $3,[redacted] for a two-family house, my personal payment is only $[redacted] as I receive $1,[redacted] from family and $1,[redacted] from tenants. I have a flawless payment history on my mortgage and auto loans, with one loan nearly paid off. I currently have and appreciate the Savor card, acquired in September. I admire Capital One and find the Venture card enticing with its rewards. Considering opening a bank account soon, I hope my application can be reconsidered for future business collaboration. Thank you for your help.

Dear Concerned Party, I am seeking immediate action to halt a transaction dated Feb 22, [redacted] with Travelocity. I have reason to believe this transaction is fraudulent due to issues regarding the Palm Beach 2 Hotel in Nha Trang, Vietnam. I arrived at the hotel on Mar 12, [redacted], only to discover it was not operational. Despite the hotel's active website, there were no lights or staff present. Subsequently, I had to seek alternative accommodation. Visiting the site again the following day, I was informed the hotel was closed for renovations. Efforts to reach Travelocity agents have been unsuccessful. The itinerary number for the hotel reservation is [redacted][redacted]. Kindly contact me via email for any further inquiries. Thank you for your attention to this matter. Please note, my attempts to contact Capital One were hindered by running out of funds during the call waiting period. Best regards, [initials]

In October [redacted], my Capital One credit card was stolen and used fraudulently in the Philippines. I reported the incident to customer service, requested to close the account after the investigation, and assumed it was resolved. Recently, I checked my rarely used business email, linked to Capital One, and found a statement showing a balance of nearly $[redacted] on a $[redacted] credit limit. I suspect an issue with the investigation. I am currently caring for my parents with Covid-19, quit my job, and am quarantined with the virus, making it difficult to address this situation. My credit score is affected, and I fear accumulating interest. I am unable to do anything on the restricted account except view the balance. I want to close the account with a zero balance or continue using it without being responsible for fraudulent charges. If not resolved, my next step is to contact the BBB.

I recently bought an Xbox on Amazon using a nonreloadable gift card. After realizing it wasn't what my daughter wanted, I returned it. Now, I'm unsure how the refund was processed back onto the nonreloadable card. Despite multiple attempts to contact the company for clarification, I've received no response. Amazon claims the refund was issued in May, but I'm puzzled as I only have the last 4 digits of the card used. They advised me to reach out to Mastercard, who directed me to Capital One, the card issuer's bank. After a frustrating phone call with Capital One that abruptly ended, I am lost on what steps to take next. I urgently need assistance since $[redacted] of my daughter's money seems to be on a card we no longer possess. Any guidance or help would be greatly appreciated.

Subject: Refund Request for Lufthansa Airline Tickets Concerned about a pending refund request, I am a Venture Cardholder with the last 4 digits being [redacted] associated with Case # [redacted][redacted]. I am inquiring about a refund for two Lufthansa airline tickets totaling $[redacted].45 USD each, purchased on December 6, [redacted], for a roundtrip flight from Washington D.C. to Athens on May 8 & May 19. After Lufthansa canceled the flights, promising refunds within 8 weeks from May 1, I have not received any reimbursement yet. Citing recent news about Lufthansa's push to avoid issuing refunds, I raise concerns about Capital One expediting the chargeback process. Lufthansa has held onto my funds for 7 months, despite regulations mandating timely reimbursements for canceled flights. With the German government considering a bailout for Lufthansa, there is an urgent need for clarity on refund policies. Expressing disappointment in the situation where consumer interests are compromised, it is crucial to address this issue promptly to protect consumer rights in these uncertain times.

Hello, my name is Robert Campbell. The last four digits on my Capital One card are [redacted]. In July [redacted], I shopped at Costco in Brampton, Ontario. The cashier informed me that my bill was $[redacted].01. When my Mastercard payment failed, I asked the cashier to charge it to my Capital One card, which she did. However, upon checking my bank account today, I discovered two charges of $[redacted].01. The first charge was on July 9 to Capital One-MC, and the second was on July 13 to Capital One BPY/FAC. This situation is very concerning to me, as I have been a loyal customer since the days when Costco was known as PRICE CLUB. I am unsure if I can somehow receive a refund for one of the charges. Thank you, Robert Campbell.

While on vacation, I experienced issues with my credit card being locked twice. Despite unlocking it once, it was locked again three days later. The customer service process was frustrating as I had to go through lengthy verification steps each time. After providing all the required information, including my cell phone number, the problem persisted due to technical difficulties at their end. Eventually, I was told I would have to wait until I returned home to resolve the matter. I found the experience inconvenient and unreliable, especially considering that using my social security number should have sufficed. These repeated problems have made me consider seeking a more dependable alternative to using this card. Sincerely, Crystal P.

Hello, I was recently charged by Shaw Academy again and would like to flag them for this recurring issue. I am confused how a company can keep charging me without providing services or locating my enrollment. I have contacted them via email to halt further charges. ShawAcade NY in the U.S. is how it appears on my Capital One statement. I have already cancelled the card they used. If paying the $69.99 once is necessary to stop future charges, please proceed. I need guidance on preventing them from charging my new credit card. If they attempt to charge the new card, I will cancel it. Thank you for your help. I understand Capital One is not to blame. I simply require assistance in reaching out to Shaw Academy to resolve these continuous charges.

After getting a new credit card due to suspicious charges, everything seemed fine until one of the suspicious charges reoccurred, and Capital One correctly declined it. Now, my card is locked, and they are asking me to get yet another new card. The problematic $46.00 charge from "Expert" related to Microsoft appears to be causing this issue. "Expert" offered to assist me with a $1.00 web address, but I declined. However, I got stuck on the site as I couldn't progress without rating their help. Unsure if "Expert" is truly associated with Microsoft, this situation has caused all my troubles.

Hello, my name is Eldridge Ganey, and I have been a satisfied Capital One Quicksilver rewards cardholder for a few years. I am reaching out today to discuss my current financial situation due to the impact of the Covid-19 pandemic on my family. Like many others, we have faced financial challenges and are striving for better days ahead. At the moment, my Quicksilver Rewards card has a $[redacted] credit line, and I would greatly appreciate it if you could consider increasing my credit line to assist us during these tough times. An increase to $[redacted] would not only help manage my utilization percentage but would also aid in enhancing my credit score, which is a priority for me after overcoming difficulties such as a divorce. Earning an increase would not only be financially beneficial but would also provide me with a confidence boost. Thank you for your time and consideration. I eagerly anticipate your response.

I recently applied for and received a Walmart card issued by Capital One. However, upon trying to log into my online account, I encountered an error message stating, "We noticed something different about this sign-in." When I contacted customer service, they initially offered to send a verification code to a temporary phone number but later requested a copy of my ID through email, which I couldn't provide due to disabilities. Despite receiving important notices via email instructing me to log in, I'm still unable to access my account due to the same issue. During a recent call, a representative tried to link a borrowed phone number to my account, which I declined. The representative insisted on obtaining a copy of my ID for security purposes, which I refused. They claim the account was canceled six months ago, yet it remains active but inaccessible.

Capital One P.O. Box [redacted] Salt Lake City, UT 84[redacted] August 18, [redacted] RE: Inquiry About Reported Delinquency To Whom It May Concern, I am writing to address a recent delinquency on my Capital One account. My name is Joyce Monroe, and I have been a loyal customer of Capital One for 2 years with account number 5[redacted] 1[redacted]. I have always valued Capital One's exceptional customer service and have strived to maintain a strong payment record. Unfortunately, due to unforeseen circumstances including a job loss and the impact of COVID-19, I experienced financial difficulties earlier this year. Despite my best efforts, I unintentionally fell behind on my payments. However, with the help of my daughter, I have since caught up and resumed making timely payments. I acknowledge my responsibility for the oversight and have taken steps to rectify the situation. I have applied for a credit card consolidation loan to repay the outstanding balance, but my credit file reflects two late payments, hindering my ability to secure a loan. As an otherwise reliable customer, I kindly request a goodwill adjustment to remove the late payment from my credit report. I appreciate your understanding and consideration in this matter. Thank you for your attention. Sincerely, Joyce E Monroe

Hello, I have been a Venture card customer for years and have always paid my statements on time. I initially had a $15,[redacted] credit limit that I maintained for emergencies. Recently, my limit was reduced to $5,[redacted], even though I typically only use around $5,[redacted] on average. This sudden decrease in my credit limit is distressing as it could harm my credit score. When I was granted the $15,[redacted] limit, there was no credit history, yet now, with a credit score of [redacted], my limit has been lowered. I believe this decision should be reversed, and my limit should be reinstated to $15,[redacted]. Given the current challenges of the pandemic and economic uncertainty, I would expect better treatment as a loyal customer. Unfortunately, the customer service representative I spoke with only provided a generic response, which was not helpful. I am hopeful that there is someone who can address and resolve this issue promptly. I appreciate any assistance you can provide. Thank you.

I recently received a letter notifying me that my credit limit on my card ending in [redacted] will be decreased from $[redacted] to $[redacted] due to my usage patterns. I am puzzled as to why having some unused credit would be an issue, especially since I was planning to buy new appliances for my home. Over the past few years, I have diligently worked on improving my credit, with the help of Capital One. I hold two other Capital One credit cards, have a vehicle financed through Capital One, and maintain a $[redacted] balance in a Capital One [redacted] account. Capital One plays a significant role in my financial well-being, which is why I was surprised and disappointed by the recent notice. I kindly request that my credit limit on card ending in [redacted] be restored to its previous amount of $[redacted]. As a loyal customer with a strong relationship to Capital One, I hope for a prompt and favorable resolution to this matter. Thank you for your attention to this issue. Sincerely, Michael E.

Dear Customer Service, I previously closed my personal Capital One credit card account over a year ago and received an email today regarding a declined purchase on an expired card. No one from my account attempted this transaction, so it seems fraudulent. I would like to report this incident and understand what steps, if any, I should take. Thank you. Sincerely, [Initials]

Since September [redacted], I have been a loyal customer of Capital One Auto Finance and Capital One credit cards. Despite enjoying my time with the company, I am reaching out to request "goodwill" adjustments to my credit report with the three major agencies. This is due to the delinquencies that occurred while I was battling a serious illness and on the path to recovery. My relationship with Capital One began when I bought a car in September [redacted], followed by acquiring three credit cards. Until March [redacted], when I faced significant health challenges, my payment history with Capital One was impeccable. However, my health issues led to missed payments on both my car loan and credit cards as I focused on medical treatments and recovery. After undergoing a major emergency surgery and gradually getting back on my feet, I have been diligent in making timely payments ever since. Over the past three years and nine months, I have consistently met all payment deadlines. Given my prior and current excellent financial track record, I kindly request the removal of the negative entries resulting from my illness from my credit report. I urge Capital One to recognize my commitment to financial responsibility during times of good health rather than basing judgments on the period when I was unwell.

I would like assistance with the following matters: - The inability to log in - Status update on my car loan - Recent chat box issues - Car loan approval delay with a credit score above [redacted] - Hang-ups during customer service calls - Malfunctioning vehicle selection tool - Difficulty finding interest rate information - Discrepancy between approved loan amount and vehicle selection tool output - Lack of response to multiple emails - Challenges in reaching knowledgeable human support - Frustration with credit card division hang-up and lack of transfer to auto loan department I am disappointed by the service received and seek prompt resolution to these issues.