Capital One Customer Service Issues

I recently noticed an interest charge of $21.44 on my Mar/April statement for my account. After calling customer service, I spoke with two reps and eventually, Amber ID#WQ054, who identified as a supervisor, informed me the charge couldn't be reversed due to a late payment in March. I explained that the late payment wasn't intentional as I had set up an auto payment from my Capital One [redacted] checking account following the instructions of a previous customer service representative. Trusting the process, I didn't monitor my statements closely until I saw the recent charge. Despite always paying my credit cards in full and ensuring sufficient funds in my checking account, I found the situation unfair. I kindly ask for a higher-level manager to review my case and provide a resolution. My account number ends in [redacted]. Thank you. - E.S.

I tried to deposit a check from a company that emailed me, instructing me to keep some money and give the rest to their 'car wrap specialist'. Capital One caught onto the scam, held the check, and reversed it. Unfortunately, my account got restricted when trying to deposit a legit check from my company. Capital One hasn't released the funds or sent them back. Even though my company has contacted Capital One, the funds are still held. This situation is causing a lot of trouble, and I hope for a quick resolution. I'm willing to provide any information needed to move forward. It's concerning, given recent Capital One account compromises, that my money might be lost. Hopefully, the funds can be released to an external account. This would end the ordeal and prevent further issues for me and my company. I ask for transparency and prompt action to resolve this issue. Thank you for your attention.

I encountered an issue where I disputed one purchase with Camboticket but it registered as four separate disputes due to difficulties tracking them on the website. Despite reaching out to customer service, I have yet to receive any resolution options as promised. I have exhausted all online avenues for assistance with no success, causing increased worry and frustration. Unfortunately, I am now facing the potential of a $[redacted] arbitration fee from Camboticket. I urgently need guidance on halting this process and obtaining a refund. Regrettably, I have been unable to find a helpful contact to address my concerns. I seek immediate assistance in this matter.

On August 26, my statement balance showed $[redacted].16 due. I made a $[redacted] payment before the statement date and covered the remaining amount after the statement reflected $[redacted].16. Despite clearing the bill to $0, the balance still shows as $[redacted].16 due. I'm confused as to why this is happening. Do I need to pay an additional $[redacted].16? It seems like more money is being deducted, and I don't understand why. This discrepancy is affecting my credit score as it shows I still owe this amount. I've made payments, so I shouldn't have any outstanding balance.

My name is Dale Zigler, and on September 1st, Capital One conducted a hard inquiry on my credit report for someone other than myself. I am concerned as to why this took place and who it was done for. I am troubled by the fact that this inquiry will remain on my credit history for 2 years. What troubles me even more is the unauthorized use of my personal information. The address linked to this inquiry is [redacted] Sunnyslope Dr., Martinsville, Indiana, [redacted], a place I do not reside in or have any association with. Despite my attempts to reach out via various phone numbers, I have been unable to make contact and find myself stuck in a frustrating loop of automated messages. Please reach out to me via email at [redacted] Thank you, Dale Zigler

Hello! I am considering opening a checking account with Capital One and have a couple of questions before proceeding. Firstly, I would like to open a joint [redacted] checking account with my partner. Can I achieve this during the account opening process? Secondly, we are planning to travel to Aruba in October. I'm wondering if there would be any fees associated with using the card abroad since we will be outside the United States. Thank you for your help! - PM

In the last 2 weeks, we incurred 4 NSF fees. The initial 2 led to insufficient funds to cover our withdrawals, creating financial strain on our bank account. While we acknowledge responsibility, I seek clarity on whether Capital One offers any form of assistance or leniency for loyal, long-standing customers like us. My spouse and I have faithfully banked with Capital One for over 8 years collectively. Even before combining our finances, I personally held an account for 3 years. Our family relationship with Capital One spans over a decade. Facing these NSF charges amidst increased expenses due to a new baby born in July and several birthdays in August and September, coupled with a reduced paycheck, has proven challenging. We're hopeful for any potential support or waiver on some of the accrued NSF fees during this financially trying time. Your consideration and assistance would be greatly valued. Thank you.

I received my card and proceeded to activate it, but was unexpectedly asked for more verification details. Even after providing my social security number, address, and birthdate, they requested additional information. As an 88-year-old with limited mobility, I am unable to easily obtain additional documentation like a new driver's license from the DMV for verification purposes. When I initially applied for the card, I assumed they had enough information to approve my application. However, upon receiving the card, I was informed that it would not be activated until a month after sending them a photo of it. The process outlined in the packet only mentioned three steps, but now they are asking for more, which seems misleading. I simply want to activate my card without facing more obstacles, or I may need to take my business elsewhere due to my excellent credit history.

Subject: Payment Clarification and Login Issues Hello, I am confused about the request for me to catch up on payments as I have made regular payments, such as £59 on 12/08, £59 on 15/07, and £59 on 17/06. To address the supposed missing payment, I have today paid £40 at my bank. Additionally, I've been unable to log in to the website due to a persistent red warning stating "Login is currently unavailable" for months. Sincerely, Gerald Cornish

In July, I applied for a Capital One card and was approved for a secured card. I sent the $75 security deposit and was instructed to provide ID at the post office. After doing so, I was informed that my card would arrive within ten to twelve business days. When it didn't arrive, I contacted Capital One and they said they would issue a new card. Again, I had to verify my ID at the post office, but the card still didn't arrive by August 23rd. Despite multiple calls and attempts through their chat option, Capital One has not provided any helpful information or returned my security deposit. They are blaming the post office, but I have not had any other mail go missing. I am feeling very frustrated and need assistance resolving this issue.

I am Hector P. Mahady, with last four digits of my SSN being [redacted], and checking account ending in [redacted]. I am attempting to update my mailing address with the Department of Education, but I am facing difficulties. Previously, I had a details line available for each account to send a check, but now the details are not visible. When I click on the account name to access the details, it hangs up and displays an error message stating VOID (0). I am using my long-standing Safari browser and have never encountered this issue before. Despite my efforts, I am unable to add a new account or edit addresses via my phone. The error message received when trying to add a new account is the same as when attempting to access account details. Customer service tried to assist me for 45 minutes, but the issue remains unresolved due to the distance between their location and the IT team. Although I appreciate the cost-saving concept of directing customers to an Assist Information Technology manual, having direct assistance would be more beneficial. If this problem persists, I may have to close my account although I have been an online banking user since the early '90s and need to make payments to the DOE. This issue has persisted for two months despite using the same browser on Apple computers without any problems previously. H.

About two months ago, a document was sent to you stating that Elizabeth Craft was appointed as the Power of Attorney for my Savings Account. However, there has been no acknowledgment of receiving this document from your end. When trying to reach out by phone, I keep getting redirected to another number, leading to lengthy wait times and no resolution. Despite my request for a call back, I am advised that this is not possible. Therefore, I will be contacting you on Monday, 9/23 at [redacted] to address this issue. I expect prompt assistance with all details regarding my account and a resolution by the end of Monday. If further information is needed, I expect a call back once you have it. If not resolved, all funds will be transferred elsewhere by Tuesday. You can reach me at [redacted] or [redacted], and my email is [redacted]

I have encountered difficulties activating my new GMC Power Card because Capital One requested additional identification beyond the usual requirements, even after verifying my identity with the dealership. I believe they should consider my existing credit history and card ownership before requesting more documentation. I am unable to proceed with the activation through the standard process and wonder if this is an overreaction to any past issues they may have had. This seems to deviate from normal banking practices, and I am eager to have my card activated promptly. Case #[redacted][redacted].

Subject: Credit Card Account Assistance Needed Hello, my name is Andrew Rivera, and I am experiencing difficulty with my credit card account with your company. I am frustrated by the restrictions placed on my card without any explanation. I was particularly upset by the poor treatment I received when I had to activate the card through the Fraud Department. The representative I spoke with was rude and made me feel uncomfortable and foolish. Despite providing the required verification documents, such as a paystub and a copy of my SS card, I have not received any updates or assistance for almost two months now. I find it unfair that I am being treated this way when trying to establish my credit with your company, especially when compared to my experience with another credit card provider I recently acquired. I hope we can resolve these issues promptly, so I can either continue using the card to improve my credit or close the account without further complications. Thank you for your attention to this matter. Andrew R. Card Number: [redacted] Expiration Date: 03/24

Subject: Regarding an Issue with Capital One Dear Mr. Fairbank, I am a Capital One client and I am facing an issue with the refund of an overpayment, amounting to approximately $85. Despite assurances from Capital One over the past 5 weeks, the refund has not been processed. The lack of communication regarding the overpayment and the repeated false promises of refund have caused me considerable stress, impacting my health. I intend to address this issue on my website, FraudByCapitalOne.com, to expose the unethical business practices and warn other consumers. I am determined to shed light on how Capital One has mishandled this situation and the impact it has had on me. I urge Capital One to rectify this situation promptly and reconsider their approach to customer service. Sincerely, Harry S. Bloch

I am quite disappointed with the recent experience I had with customer service. I was promised a review of my account on 9/19/19 due to my urgent need while being out of the country. However, after following up multiple times and sending requested documents, my account remains restricted. Providing documentation such as a valid passport, bank statement, personal check, and medical directive should have been sufficient to prove my loyalty and cooperation. The inconsistency in the verbal verification process and the inability to provide a SS card for another 30 days has left me feeling frustrated. Despite offering to open a new account that doesn't require a SS card, a resolution has not been reached. As a loyal cardholder who pays balances in full, it is disheartening to be left without a viable option in this situation.

I recently noticed an unauthorized charge on my Capital One statement for a purchase I did not make. When I contacted Capital One, they provided me with conflicting company names and phone numbers, which raised red flags for me. I believe Capital One may have been compromised, as I have strong security measures in place on my end. I am disappointed to be out $[redacted] and am requesting a refund from Capital One given the situation.

I obtained this card to establish credit since I am a resident alien without prior credit history in this country. We have been using it solely for gas purchases and promptly paying it off either on or before the due date each month. However, our credit score unexpectedly decreased after buying a tank of gas even though no payments were imminent. Consequently, we ceased using the card to prevent further impacts on our credit score, even though we always settle the balance on time. Despite maintaining a zero balance, our credit score has been gradually improving. We suspect there may be an error regarding the recorded payment due date, causing any usage early in the month to be perceived negatively. I am considering reaching out to them to clarify and potentially correct any inaccuracies on their end. Finding the time to make a call and endure the wait on hold is challenging due to my busy schedule as a full-time teacher, coach, and parent.

I need assistance with a credit card charge dispute with Capital One. Their handling of the issue was disappointing. The staff seemed indifferent and didn't even appear to read the information provided. I was not given a chance to discuss the matter with anyone involved in resolving the dispute. I feel the need to escalate this and file a formal complaint with senior management at Capital One, as well as contacting the FTC and relevant state and federal agencies that oversee the credit card industry. It seems like their dispute system favors online fraudulent transactions and protects their own interests. I would appreciate it if anyone could provide me with contact numbers for Capital One's Corporate office and the appropriate government departments. Thank you for your help.

Hello, I recently spoke with customer service regarding a deal on my account. According to the agreement from July, making 3 consecutive payments would remove the restriction. I made payments in July, August, and September. They mentioned my August payment was returned, canceling the deal. I paid over $[redacted] in 3 months and find this situation unfair. I wasn't informed of the returned payment and would not have continued paying if I had known. This credit card is essential to me as my only one, especially as a single individual with two jobs. It's frustrating to be denied access after following the terms. I request a review of my case for a fair resolution, considering I fulfilled the commitment despite the issue with August's payment. I hope to hear back soon to alleviate my concerns as I planned my budget counting on regaining access to the card.