Capital One Customer Service Issues

I recently discovered a judgement on my credit report from Cap One. I contacted them to address this issue. The original amount owed was around $[redacted], but I have paid $[redacted] so far, with a remaining balance of approximately $[redacted], which I believe might be related to interest or fees. I am eager to improve my credit score to fulfill my goal of purchasing a home, where the payments would be more affordable than renting. I kindly request your assistance in rectifying this situation by removing the judgement and negative entry from my report.

I urgently need assistance to resolve my issue with a stolen credit card and to obtain a new one with an increased credit limit. I am currently working with a credit report attorney to address the theft of my credit cards. As someone who is hearing impaired, I require immediate help as someone has maxed out my credit card without my consent. I only keep these cards for emergencies and for my small business and personal use. My credit score has dropped from [redacted] to [redacted] due to fraudulent activity under my name, including unauthorized loans. I am determined to rebuild my credit.

Between 1/11/16 and 02/09/16, my business partner made payments on my Capital One card. Around 2/15/16, they locked my card and asked to speak with the two banks used for payments. There have been no chargebacks on the account, but they still insist on speaking with my partner's family members who own the accounts used for payment. This is causing unnecessary hassle as it is a family business and one account belongs to his father, and the other to his grandmother.

I am a retiree exploring the world, and my account has been locked. I reached out to customer service by phone and encountered difficulty understanding the agent due to a language barrier. After answering detailed questions about my history, I was informed my email was incorrect. Despite challenges, the verification process was completed, but I did not receive the login code via email as promised. I am hoping for improved communication with customer service staff in the future. - William D. Webster, with cards ending in [redacted] and [redacted]

On 5/9/18, I contacted customer support for assistance. The initial representative was friendly but unable to help, so I was transferred to a supervisor. Unfortunately, the supervisor was disrespectful, unhelpful, and repeatedly insisted that I had changed my address despite my protests. I was shocked by her demeanor and unprofessional behavior, especially as a supervisor of a major company. My main concern was addressing the unauthorized change of my address, which I never made. I wanted to request a change to my due date, but the system prevented me from doing so due to the alleged address change. Despite my explanation, the supervisor continued to assert that I had made the change, creating a frustrating customer service experience.

Last week, I paid off my balance and had a great conversation with a helpful representative at Capital One, although I unfortunately didn't catch her name. She provided me with the exceptional customer service I always receive from Capital One. Yesterday, my annual fee was charged, but the representative mentioned I could contact them after it appeared on my statement to possibly have it waived, considering my good standing and excellent credit. Recognizing the opportunity to upgrade to a card without an annual fee, I reached out to Dee today. While Dee was only doing her job, I hope to speak with someone who can assist me further. I'm grateful for Dee's help and am simply inquiring about the possibility of having the fee waived. Transitioning to a card with no annual fee is my goal. Thank you. - M H.

Good morning, I am Nichols Torboli, a long-standing member of your service. As an actively deployed military personnel, I am unable to call regarding my current issue. Recently, I received an email informing me of an overdue payment on my Capital One card, which surprised me as I haven't used the card for months. Despite several failed attempts to access my account, I received another email about a late payment charge. I request access to my account for review of the charges and kindly ask for the late payment fee to be waived, considering my overseas deployment and lack of card access. Thank you for your attention.

I recently took my children to a photo studio to have their pictures taken and accidentally left my tablet behind. Upon realizing, I contacted the studio, and they assured me it was safe in a drawer by the register. However, when I returned the next day to retrieve it, it had disappeared. The manager informed me that it had been moved from the drawer to the counter and was now missing. I expressed my concern due to my financial information being on the tablet. The lack of care or urgency shown by the staff was disappointing, especially considering the potential security risk. Despite receiving most of the photo order, the loss of my daily-use tablet has been stressful. I have taken precautions by freezing my accounts. I am now looking into options to recover the value of my tablet given the circumstances.

Subject: Request to Settle Debt with Capital One Credit Card [redacted] To whom it may concern at Capital One, I am writing regarding the recent court summons I received from your company for a court date on 7/2/18. After discussing my situation with friends, I learned that some individuals were able to settle their debts with their card companies for a reduced lump sum payment. Considering my current financial hardship, I would like to propose making a one-time payment of $1,[redacted] to settle the debt in full. A friend has generously offered to make this payment on my behalf if we can reach an agreement. I hope we can find a mutually beneficial solution to avoid legal proceedings and settle the matter amicably. Please contact me at your earliest convenience to discuss this further. Thank you for your attention to this matter. Sincerely, G. Germain [redacted]

I am currently deployed in Afghanistan with the UK Armed Forces. I have limited internet access and cannot use my phone for security reasons. I never received a 6-digit code needed for my online banking due to not having access to my phone. I am granted 30 minutes of phone calls weekly, which I used to pay my credit card bill, but this isn't sustainable for the remainder of my deployment. I am looking for a way to receive the code via email, through a family member's phone, or over the phone during my allotted call time. I am willing to spend an entire week's worth of calls to resolve this issue. Thank you for your help. Regards, Josh R.

I am facing financial difficulties and considering bankruptcy. Even though I am current on my payments, I would like to explore closing my account, settling the debt, and establishing a payment plan to clear the remaining balance. It is frustrating that most of my payments go towards interest. Lowering the interest rate and resolving the debt would be immensely beneficial. I value any assistance you can provide as I aim to avoid falling behind or resorting to bankruptcy. Thank you.

Recently, I called to notify you about my upcoming purchases in Puerto Vallarta, MX. Despite being assured there wouldn't be any issues, Walmart #[redacted]5 wasn't approved by my bank, and I wasn't contacted for confirmation. This purchase was for a headboard that I won't receive as planned. Although I can pay in-store, I'm leaving for the US tomorrow and won't make it to Walmart in time. Please reinstate my order and provide me with delivery details so I can arrange for someone to receive it on my behalf.

With a balance of $[redacted], I had increased my payment from $20 to $25, but this adjustment left my payment $5 short, resulting in a $25 late fee. In comparison, my Chase Visa with a balance of $1,[redacted] has a minimum payment of $25. Having held this card for fifteen years, I assumed my $20 minimum payment was enough for the $[redacted] balance. I cleared the full $[redacted] balance, including the $25 late fee, but I have decided not to use this card again. Despite my long payment history with them, I will not be paying any more interest to this company.

The choice to keep him as your spokesperson is still perplexing. He should have been let go already. Here is a link for those who may have missed it. Samuel L. Jackson is facing criticism for a recent tweet aimed at President Donald Trump. Some users on social media are denouncing the actor's words as potentially homophobic. Jackson's tweet featured a mention of knee pads and a photo of "After Dick Mints," implying inappropriate behavior at the White House for Trump's birthday. The tweet sparked controversy, with many interpreting it as insinuating that Trump was receiving a sexual favor from Republican politicians.

I was disappointed with the customer service I received after calling the 1-[redacted] number. When I inquired about a $79.42 interest charge on my credit card bill despite paying the full amount online, the representative seemed irritated. I tried to clarify that the website should reflect the correct balance after my payment, but he insisted that the interest posted on the 13th as per the contract. When I questioned why the website didn't show the accurate amount, his response was unsatisfactory. He became rude, prompting me to express my discontent, and he confirmed that the call was being recorded before I ended it. As someone who occasionally works in customer service, I found his attitude unacceptable and unprofessional. This negative experience reflects poorly on your company.

I attempted to deposit a check using your mobile app, as I am located in Tennessee where there are no branches. The app is indicating that the check is a duplicate despite it not being so. If I were to mail it in as suggested, it may be rejected. The issuer is unwilling to provide a replacement check unless a $30 stop payment fee is paid. I am unable to clarify the situation to them. Customer service hasn't been able to explain the issue adequately. They mentioned the possibility of this happening again with future checks. I'm disappointed with this experience and seek a prompt resolution. Apologies for the frustration expressed, but I'm keen on finding a solution promptly.

Recently, my credit card was placed under restricted status due to missed payments during my husband's unemployment. Despite catching up on payments and even exceeding the minimum, the restriction persists. Capital One's email promised to lift the restriction after three months of payments, but it remains. When I inquired, a customer service representative could not confirm if full payment would lift the restriction. After being placed on hold for a supervisor, none was available, resulting in no further assistance. Unfortunately, this led to a 22-minute phone call without resolution or clarity on the situation.

I've had a Capital One Platinum card for about 8 months. There was a notification on my account mentioning a credit line increase to $[redacted] on July 8, which has now disappeared. I recently changed the card to a Quicksilver last night. I am curious if the product change will affect the limit increase. I just received a Quicksilver One card in the credit steps program, and although I haven't received my statement yet, I paid down the balance this morning. I am diligently working on improving my credit for a new car purchase next December and have been preapproved for an auto loan by Capital One. I've been considering opening a checking account but will wait for now. My goal is to improve my credit score to the [redacted] range before applying for the car loan.

I am unsure where to begin or if this is the right place to communicate, but I will try. My name is Richard Reicks. The last four digits of my credit card number are [redacted], and the last four digits of my social security number are [redacted]. I am struggling with health issues, including atrial fibrillation, high blood pressure, kidney problems, and a persistent leg infection which is now improving. I have not been able to work, and I currently do not have extra money to pay off my outstanding balance of around $[redacted].00. I hope to settle this in the future. I apologize for the situation, and I ask for your understanding. I have received calls from the number [redacted], but I am uncertain how to respond. I do not have many possessions; my car is 15 years old with [redacted],[redacted] miles on it. I may end up in assisted living soon. Please keep me in your thoughts for improved health. I am sorry for my circumstances and uncertain what else to say. Thank you. Richard Reicks. If I do come into some unexpected money, I will settle the account. Please forward this to the appropriate department.

I have reviewed my credit report from CreditWise, a division of Capital Bank, which advises me to obtain more credit. I trust Capital One as the only legitimate bank for me. My mother's credit score is around [redacted], Terry S. from PO Box [redacted] Sylvester, WV, and my sister is Beatrice C. from Sylvester. Despite being repeatedly denied credit, I have only one past due account with Verizon in Romulus, Michigan, a place I have never visited. Experian is assisting me in resolving this issue since I first became aware of it in June when I checked my initial credit report. With 13 inquiries, most directed to Capital One, as you're the bank I trust due to numerous scams, I am struggling to establish credit. As per your suggestion to improve my credit by paying down the Chase Visa card, I have been on disability while supporting my three sons as a single father for the past 15 years since my wife's passing. Now that I am back to part-time work, a small Capital One credit card to demonstrate my payment reliability would be greatly appreciated. Thank you for your assistance and blessings - Bart A. Sr.