Capital One Customer Service Issues

I recently faced medical issues that caused me to fall behind on payments, resulting in two closed/restricted Capital One accounts. The stress of this situation is impacting my credit report. I aim to resolve this by paying at least the minimum amounts due to reopen the accounts. Despite receiving conflicting information, my statement suggests there is a path to getting back on track. I've attempted to contact customer service but was informed it's not possible. I am seeking assistance from a manager or someone with the authority to help me resolve this matter promptly.

Dear Capital One, I appreciate your assistance with my application. I apologize for not providing my mailing address when I first applied for my security card. I submitted a second application with my mailing address, which was a mistake. I received two letters from you, with the first stating my application is in the approval process and the second stating it could not be approved. I recently married and obtained my green card this year. Although I have excellent credit in China, I aim to establish credit in the USA. I am concerned that the second letter may negatively impact my credit score. Additionally, I need to update my application with my mailing address as my residential address cannot receive mail. I plan to call you on Monday, but I hope you understand that this is my first time applying for a security card, and I am eager to build my credit in the USA to begin my new chapter. Thank you for your attention. Sincerely, Jing Shao

Hello Cap One, During my trip to England and Italy, I faced multiple rejections of my Capital One Visa credit card when trying to use it at restaurants and stores. Despite attempting to contact Cap One for assistance, I encountered issues with the provided phone number. I would appreciate a customer service representative reaching out to me on my cell today at [redacted]. I am eager to resolve this matter promptly, as I heavily rely on my credit card for purchases during this trip. Your help in addressing this problem would be greatly valued. Thank you, David J.

Months ago, I submitted two disputes for unauthorized charges made in December by HWP Trucking and Sterling Electronics, which turned out to be the same person. This individual has committed theft against several people, including myself, using card information from previous authorized transactions. I have not received any updates from Capital One regarding these disputes. Consequently, I have struggled to pay my bills, and the accumulating interest and late fees have become overwhelming. Recently, I received physical mail from Barclay indicating a reduction in my credit line on my JetBlue card due to a decline in my credit score, which was previously excellent, reflecting my history of timely and full payments. I urgently seek assistance with this matter as it is significantly impacting my credit and causing distress. I have always been diligent in meeting my payment obligations promptly.

Months ago, I submitted * disputes regarding unauthorized charges in December made by HWP Trucking and Sterling Electronics (both linked to the same person). This individual has engaged in fraudulent activities affecting many individuals, including myself. Despite my efforts, I have not received any communication from Capital One regarding the matter. Consequently, I have fallen behind on my bills, resulting in accumulating interest and late fees. Recently, I received correspondence from Barclay indicating a reduction in my credit line on my JetBlue card due to a dip in my credit score, which was previously stellar due to my consistent on-time and full payments. This situation is severely impacting my credit and overall financial stability. Urgent attention to this matter is requested, as it has put me in a desperate position. I have always been diligent about timely payments.

On April 17th, I initially received two denial letters, both dated the same. The next day, I got an acceptance letter also dated April 17th, congratulating me but requesting $[redacted] before sending the card. Capital One confirmed this and offered a higher credit limit for $[redacted] more. After sending the money with a confirmation number on April 23rd at 8:20 AM, I waited three weeks for the card. To my surprise, without notice, they terminated my account upon receiving the card and informed me that I would be refunded in 2 to 5 working days. However, they later stated it would take 60 to 70 days after closing the case. Despite speaking to multiple representatives and supervisors, including one named Sheri, who contacted my bank for verification, I have been given conflicting information and delays. I was assured the refund would be in my account by 6/3/19, which is my SSI check, and I am extremely frustrated by the situation and lack of clarity.

I am applying for a home mortgage, and during the credit check, an account from [redacted] with a balance of three dollars was listed with your company, which does not exist. Despite numerous attempts, no one in your company can locate this account. I do have an existing account with a credit of 1.18. I require an email from Capital One confirming that there is no account ending in [redacted] and that I do not owe any debt on any account. I have faced multiple challenges trying to resolve this matter over the phone, including being disconnected, encountering poor customer service, and not receiving a solution. Even a helpful representative was disconnected by two others while assisting me. Your prompt assistance in providing the necessary documentation is greatly appreciated.

I recently received a call from the Capital One team regarding removing a permanent restriction on my account after settling my bill. Two advisors mentioned similar options; one said I could keep my account open after payment, while the other mentioned appealing my cancellation. Unfortunately, another advisor informed me today that this was not feasible. Despite making a payment on the 3rd to clear the dues, my account remains permanently restricted. I urgently need clarity on the situation as I rely on the card. Additionally, a new bill was added just before my payment was processed, causing confusion. The conflicting information from different advisors is frustrating, and I seek swift resolution to this issue.

I notified Capital One about my trip to Europe before departing the U.S. I am unable to access my account online to check my activity and balance because the login process requires a text or phone message, and I don't have a phone. This leaves me no means to contact you. Please review the call alert from before my trip and provide an alternative method to reach Cap One. Otherwise, I won't be able to know when my next bill is due, how much it is, or set up a payment without my bank information. P.S. I won't accept any late fees for bills during my vacation, as I informed Capital One beforehand. Thank you for the unnecessary complication.

Regarding my outstanding account with ID [redacted], I am unable to pay my balance due to unforeseen and ongoing medical issues that have prevented me from working for the past year. I am currently receiving public assistance, qualified for the Safelink/Tracfone wireless free phone program, and have benefited from special programs for individuals at the poverty level offered by companies like AT&T. As a U.S. Navy Veteran receiving care through the VS, I am also participating in a specialized program at Owensboro Regional Health Foundation where I am not billed for medical expenses. I am not proud to be in this situation, but this is the reality I am facing. I have disposed of the Capital One card ending in [redacted]. Richard A. S.

I applied for a lien release on the physical title for my [redacted] Hyundai Elantra in Arizona in early April. I just spoke with ADOT and was informed that a paper copy was sent to Capitol One's title department on 4/24/19. I am waiting for confirmation that my title has been sent to Jefferson City, Missouri, so I can renew my plates. This situation has caused a significant inconvenience, as I requested the lien release when I moved from Tempe, AZ to St. Louis, MO in July [redacted]. My plates have expired, and I have received tickets and have a court date tomorrow night due to this issue. For the past month, I have been attempting to reach a live person to determine the status of my title to present to the judge and renew my Missouri plates promptly. I would greatly appreciate an immediate response. Thank you, Julie B.

I recently received my replacement card via FedEx and used it a few times, one being a purchase over $1,[redacted] at the airport car rental. However, my card was declined at Walgreens, causing me embarrassment. I had completed identity verification when I opened the account months ago and was told the replacement card was already active. It is unacceptable that my account was restricted without any notification via email or text. I have a family emergency, my mother is undergoing surgery for cancer and I may miss it now due to this issue. The card is essential for traveling. I am upset and frustrated that my card was blocked without prior communication, potentially affecting my presence during this critical time. I urgently need my card reactivated without any further interruptions. Kindly show me the courtesy of informing me before taking such actions in the future to prevent similar situations.

Hello, my name is Gary Goodwin. I was approved for a Capital One card back in February or March, but due to a family death, I never got around to paying the deposit to open the account. I am very interested in the card to help rebuild my credit, as my score is currently around [redacted]. I have never had a credit card before and would really like the chance to get this one based on the positive reviews I have heard. However, every time I apply now, I am denied, and the reason given is that I have an open or pending application, which I assume is the one mentioned about the security deposit. If there is any way to remove this from my file or assist me in making the deposit, I would greatly appreciate it. It was just a difficult time before. The application issue is now preventing me from being approved, and I am eager to improve my credit with this card. Thank you for your help.

I have a question regarding rewards points, completely separate from my husband's account. I have contacted customer service twice in the past two days. The first representative was helpful, but I needed more information. The second representative had a strong accent that made it hard to understand her fast speech, along with an echo on the line. She mentioned that having my name on my husband's account wasn't sufficient for generic information on using rewards points. My husband is traveling from MA to NJ, and I need to provide him with this information upon his arrival. Essentially, I was informed that travel points are redeemed in increments - the first being 33,[redacted] points and the next possibly 66,[redacted] points. When he inquired about using these points, he was advised to keep the cost under $[redacted] and pay the remaining amount in cash. However, we recently discovered that the total, including taxes and fees, is $[redacted]. My query is whether he can charge the entire amount to Capital One, utilize only 33,[redacted] rewards points, and have the remainder billed to the card. This would streamline the process and minimize the need to monitor charges closely. If applying 66,[redacted] points is necessary, then he should consider paying cash for taxes and fees right away, despite the inconvenience. Thank you!

Hello, I am Michael Thibodeaux. You can reach me at mikethibodeaux70[at]gmail.com or [redacted]. My card number is 5[redacted] 1[redacted]. I believe there might have been unauthorized purchases in my online account, which is now closed. I kindly request assistance to investigate and resolve this issue. Could I please have a new online account, replacement debit card with a different 16-digit number, and a new set of checks with updated routing and transit numbers? I also need a different account number for Capital One Online Account. Your help with my online banking concerns would be greatly appreciated. Thank you.

I recently received approval for a CapitalOne Mastercard but have been experiencing issues trying to activate it. After being told that I needed to verify my identity due to suspected fraud activity, I tried to upload the necessary documents without success. Despite multiple attempts, the documents were rejected each time with varying explanations. After numerous frustrating calls and faxes, even speaking to a supervisor did not resolve the problem. I simply want to activate my card, or if not possible, to cancel it. It has become quite frustrating dealing with these activation issues.

A few years back, I experienced a similar issue with your customer service department. Despite a lengthy phone call, the problem wasn't resolved. Hoping for a better outcome, I reapplied recently and was approved for a new card. However, upon trying to activate it, I encountered the same issue - the card is restricted. I am unwilling to go through this process again. If I am unable to utilize the card, then why send it in the first place? I kindly request that the approved credit be provided without further inconvenience. Thank you, Zaidi.

The Credit-Wise box on your website indicated my credit info would be updated on June 17th, but when I checked, there was no change. I cleared my balance over a week before the 17th, so it should have been updated. I'm puzzled why my credit info hasn't reflected the new balance. The new date displayed is the 24th, but I need the update today as originally promised. It's disappointing to have to ask for something expected to be done. Why was it not updated as anticipated? Is this a common issue? It's crucial for me to have my credit information accurate today. Thank you, T.S.

I have spent over a year diligently working on improving my credit score, which had reached [redacted]. Following the advice from Capital One Credit Wise to open a new account to further enhance my score, I eagerly took the step. However, to my dismay, instead of improving, my score plummeted to [redacted]. I am utterly puzzled and frustrated by this unexpected outcome. I followed the guidance given, and it had a detrimental effect on my credit. Now, I am left in a predicament. I only opened one new account with a minimal balance of $[redacted], yet it had such a significant negative impact. It's disheartening that a single new inquiry and account, as recommended by Credit Wise, could result in such a drastic drop. I urgently require assistance to rectify this situation and restore my credit score to its previous level.

While in Madrid, Spain, I am unable to access my account to schedule a credit card payment due on 7/20. Despite informing about my international trip beforehand, I encountered an issue with logging in, receiving a request to call from my NH landline, which I cannot do as I lack phone access. Please assist via email promptly, as I refuse to incur a late fee for a situation originating from your end. Urgent resolution is needed as it's already 4:42 PM in Madrid. Thank you, RoseMarie Fordham.