Capital One Customer Service Issues

I spent around 2 hours on the phone with Capital One Customer Service on October 10, [redacted], to resolve issues with my Costco/Capital One Mastercard and access my statements online. While my online access is now working, my card was declined when I attempted to make a purchase on the same day. I contacted Capital One again today, and was informed my new card had never been activated. Upon activation, I tried to use the card once more, but it was declined again. I am feeling frustrated with the back and forth communication from Capital One. I have been eagerly waiting to buy groceries and join an exercise program. After previously dealing with fraud on my old card, waiting for a replacement, and now facing this issue, I am seeking a resolution to this ongoing problem.

Hello, I recently received a response to my PPI complaint with Resolver Case RES[redacted]. Unfortunately, the message came in as HTML code and I couldn't read the content properly. It seems that a letter was sent regarding the matter, but I have not received it. Could you please email me the details of your reply instead? For reference, the last 4 digits of the cards involved are [redacted] and [redacted]. Thank you.

While traveling abroad with a local SIM card, I encountered issues trying to buy airline tickets online due to the verification process sending texts to my suspended US number. After unsuccessful attempts with Capital One customer service, I suggest they provide alternative verification methods and allow non-US numbers on accounts for travelers abroad. It's frustrating that this hasn't been addressed, as it impacts my ability to make necessary purchases during my month-long stay in India. The current workaround of a friend buying tickets is not sustainable. Credit card companies should better accommodate travelers in similar situations in our interconnected world.

Dear Concerned Party, I am writing as a representative of CapitalOne Investments to address a serious matter brought to my attention by my legal team regarding discrepancies in my credit card report. I am currently under investigation for suspected misuse of financial data, a claim I vehemently deny. I want to assure you that I am cooperating fully with the authorities, including the State Office Fraud Alert and Special Whistleblowing Agency Bureau. As per the guidelines outlined in the Congress Francis Bacon Act, I am committed to rectifying any potential misunderstandings and have engaged the services of a third-party entity, First Consumer Financial, to facilitate this process in accordance with all applicable regulations. I must emphasize that I deeply regret any inconvenience caused and stress that I am taking all necessary steps to address the situation promptly and transparently. I am grateful for the unwavering support of my family and legal representatives who are assisting me in navigating this challenging period. Rest assured, I am dedicated to upholding the integrity of my financial obligations and am actively working to restore any affected accounts, including undergoing credit checks and implementing security measures to safeguard against future incidents. Your cooperation and understanding in this matter are greatly appreciated. Please feel free to contact me should you require any further information or have insights to share that could help expedite the resolution process. Your continued support is invaluable, and I look forward to a swift and amicable resolution. Thank you for your attention to this matter. Sincerely, Harrison O. S. Email: [redacted] Phone: +1 [redacted]

I utilize Quincy Credit Union as my account aggregator to manage all my accounts conveniently. Lately, CapitalOne has restricted my bank's access to view my periodic balances. Maintaining a credit score of [redacted] reflects my commitment to managing my finances effectively. I request that Quincy Credit Union regains regular access to my CapitalOne balance. Feel free to review my monthly CapitalOne utilization through my email. I am also exploring the option of opening an Amazon account for their reward system, in addition to my existing cards. If necessary, I will shift to using my other cards more frequently should my bank's access remain limited. I anticipate your response by the end of the month to determine my next steps. Thank you, Tom M.

I have been experiencing issues with my card since I received it. I used it once, then it stopped working. After contacting customer service, I was informed it is under review for fraud, which is confusing to me. I am unable to log in now, adding to my stress as I am currently recovering from throat surgery in the hospital and have difficulty speaking. I acknowledge the need for a discussion to resolve this matter, but I kindly request it to be scheduled for next week when my voice has improved post-surgery. Despite attempting to reach out through NGT Lite, I have been unsuccessful. Please address this matter promptly or make a note on my account for a follow-up call next week. I am prepared to provide medical documentation if needed. Thank you. Sincerely, D. Dobson

I have been trying to reach you regarding payment issues that I was unaware of. I am unable to make calls but can communicate via email. I have reached out through Instagram and Facebook in hopes of resolving this. I received emails stating I am 6 months behind on payments, which was surprising to me. Unfortunately, I cannot access my account due to login issues. My username, password, old phone number, and birthdate are not working. I am unsure why this is happening. Also, calls are going to a family member instead of me; I would like to update my contact information to my boyfriend's number. Thank you.

Please cease sending me pre-approval letters. I do not wish to receive any correspondence from your company. If I continue to receive mail, I will take legal action for harassment. I am frustrated with the three letters I receive every week containing your misleading offers. I am fed up with the constant influx of unwanted mail from your organization. Kindly remove my name and home address from your mailing list immediately. Here are the details you require to remove from your records: Recipient: MFlores Address: [redacted] Meadowbrook Drive, Garland, TX [redacted] I request a letter of confirmation via email to confirm my removal from your mailing list. Once I receive this email, I also expect to be removed from your email distribution list. Thank you, MFlores

When attempting to reply to your email, I encountered an issue with the delivery. Please ensure that future emails allow for direct replies as it is more convenient than using alternative methods to communicate. If replying directly via email is not feasible, consider sending correspondence via regular mail with a pre-addressed, stamped envelope for responses. I hope this message reaches you successfully. Thank you. From: S.G. <[redacted]> To: Capital One <[redacted]> Cc:  Bcc:  Date: Sun, 3 Nov [redacted] 01:02:39 -[redacted] Subject: Re: Please update your card information with COX NEW ORLEANS COMM I have rectified the error by updating the correct card number after the initial mistake. I received a verification code confirming the correct use of my latest credit card for the Cox payment. Following the error, a subsequent transaction of $72.72 from Cox was processed and approved by your team. I possess extensive experience in computer repairs, programming, and troubleshooting since the early days pre-dating the IBM boom in the 1980s. Thank you. Southern

Regarding Case Number: [redacted][redacted]: On June 24, [redacted], I purchased a scooter online from Walmart with Order #[redacted]. Upon realizing the same scooter was available elsewhere for half the price, I immediately tried to cancel the order, but Walmart stated it was not possible. Despite requesting a price match, Walmart refused. After over a week passed and the scooter had not shipped, I inquired about its status. On July 15, three weeks later, Walmart informed me the scooter was stuck in processing. Numerous requests to cancel the order were denied until a call was received stating it would finally be canceled due to the long delay. However, to my surprise, on July 24th, I received an email confirming the scooter had been shipped. Despite not being home to receive it, the item was charged to my account. I request an immediate credit as I did not receive the scooter, and the UPS data provided is inconclusive without proof of delivery.

I am Mariama Massaquoi. I have a past due amount on my credit card and need to arrange a payment plan to clear the balance. I unfortunately lost my job a few months ago and couldn't make payments during that time. Now that I've started a new job recently, I am committed to resolving this issue. My priority was to keep up with my rent to avoid being evicted with my children. Although I understand the importance of timely loan payments, I had to prioritize our housing situation. Apologies for any inconvenience caused. I have misplaced my card but if I can retrieve my account details, I will begin making payments promptly. Thank you for your understanding. Best, Mariama Massaquoi.

Subject: Credit Card Account Issue To Whom It May Concern, My name is Donald Grider, and last month my girlfriend of 9 years and I both obtained Capital One credit cards. However, we've been facing issues with our account being locked each time my girlfriend, Brenda, withdraws money. Despite providing all necessary information to Rocky, the fraud officer, we continue to face restrictions on our account. The matter remains unresolved after multiple calls and instances of having to verify my identity. I feel discriminated against and offended by Capital One as this problem persists for two weeks. I am considering escalating this matter to Rocky's supervisor. The repeated account suspensions, 5 times in a month, are affecting our financial activities significantly. It is important to note that our billing address should remain in Mississippi with Brenda, not in Alabama. I urge someone from Capital One to address this issue promptly to avoid further dissatisfaction and account closure. Please contact me via email at [redacted] to resolve this matter efficiently. Thank you for your attention to this matter. Sincerely, Donald Grider

I regularly monitor the GBP charges on my CapitalOne Venture card by comparing them to the GBP/USD mid-rate. Previously, the charges were consistently less than 1%. However, in the last few transactions, they have been consistently over 2% of the simultaneous GBP/USD mid-rate. I kindly request CapitalOne to revert to the previous lower exchange rate that I was accustomed to. I am unsure if this recent change is permanent or if it will be the new standard going forward. William R. Card ending in: [redacted] Exp: 04/21

I'm having trouble redeeming my rewards at checkout; the page freezes and I can't get a confirmation. I'm in Germany and can't call for assistance. I've been trying to use my miles to book a hotel. I received a refund on a purchase made with a cancelled debit card and need help with ensuring the refund is processed correctly. I received a notification of a suspicious charge on my card and need help resolving it. I'm having trouble logging in and updating credit card details as previously advised. I can't remember my password and the system won't allow me to reset it. I need assistance with reopening my account and getting a new card issued. I experienced recent overdrafts on my checking account and need clarification on those charges. I'm encountering errors while making a purchase in Japan and need support in completing the transaction. Thank you.

Hello, I am writing to inquire about my missing automobile loan statement. I have not received any communication regarding my payment obligations, which makes it difficult for me to make timely payments. I am concerned about possible charges due to the approaching due date. My name is Nhut Le, and I kindly request that the necessary information be sent to me via mail. Please ensure that future statements are mailed to my home address at [redacted] Straw Bridge, Olive Branch, MS [redacted]. Thank you for your assistance.

I recently attempted to change my password while sick in a motel, but I made several mistakes. I am looking forward to returning to the Bay Area soon. All my funds are in Cap One, and my pension is scheduled for autopay soon. I just want to ensure my errors can be easily fixed. If needed, you can reach me at my usual number, which is likely on file ([redacted]). Thank you for your understanding, and I apologize for the confusion. Despite being a retired ER RN, I rarely get sick. Thank you for any assistance you can provide. Sincerely, Patricia Anne Kidd. Another way to contact me is by calling [redacted] if you need further details or have any questions.

I have been informed of a $[redacted].00 past due amount on account ending in [redacted], even though my payment is not due until November 27th. Last month, I only managed to pay $[redacted] out of the $[redacted] due, explaining that my work hours had been reduced and I couldn't afford the full amount. I was given approval to pay the remaining $38 this month, but now I am facing a late charge. Is it possible to lower my payments temporarily until my financial situation improves? Could the late charge for the $38 be waived, considering I was told I could pay it this month? I apologize for the oversight and am diligently working to catch up, especially since my work hours have been reduced. Thank you for your attention. C. B. [redacted]

I have requested the closure of my account and the credit amount to be mailed to 7 Rothesay St, Simpsonville, SC, [redacted]. Thank you, Alton. --- Subject: Your Capital One® Statement Regarding account [redacted] Dear Alton Lanier, Your statement is now available online. The statement balance is $([redacted].46), and no payment is currently due. View Your Statement Thank you for being a Capital One customer. For assistance, please contact us. Your privacy and preventing fraud are our priorities. To ensure receipt of our emails, please add [redacted] to your address book. This email was sent to [redacted] and contains information relevant to your account and subscribed services. A basic statement notification email version is also available; you can switch by signing in to your account and adjusting the settings.

In late October, I received an email from Capital One saying they had mailed our new Walmart Rewards cards. However, the cards never arrived despite several reminders to activate them. Despite our cards not being received, Capital One sent a letter to our address urging us to activate the new cards. Upon contacting Capital One, I encountered an unhelpful representative who seemed confused. They mentioned sending a new card on October 25th, although we never got it. They also referred to a new card for my wife with a different number, which caused further confusion. My wife and I have shared the same cards before Capital One's involvement, with myself being the primary account holder and my wife as the secondary. The support representative repeatedly asked for the same information and seemed unable to understand my concerns. They later contradicted themselves by saying no cards had been sent, despite previously mentioning the sending date. Capital One's persistent emails prompting us to activate the unseen new card are frustrating. We will activate it when it actually arrives. The situation with Capital One has been quite exasperating due to the misunderstanding and lack of card delivery.

I recently received a call from Capital One concerning my Walmart Card. I've had Auto Pay set up on my Walmart account for several years. The payments have been smoothly deducted from my checking account without any issues. Upon calling the number provided in the voicemail, I was connected to a collections representative. I was informed that my account was past due due to Capital One canceling the Auto Pay without notifying me. The collections agent waived the late fee but mentioned that a late payment might be reported to the credit bureau. I was given a mailing address to send a letter to dispute this issue. I plan to pay off the balance soon and may consider closing the card, which I intended to use for holiday purchases. Feel free to contact me at [redacted] to address this matter.