Capital One Customer Service Issues

I recently applied for a SAvor card, hoping for an instant approval due to my high credit score of [redacted], stable financial status, and excellent credit history. Despite providing additional information such as my social security card, bank statements, and driver's license on Aug 22 along with the application reference # [redacted][redacted], I was surprised to receive an email stating I was denied without any explanation or clarity. Wanting to understand the reasons behind the denial, I reached out to [redacted] on Aug 25, but unfortunately, have not received a response yet. I am keen on getting clarification on the denial or alternatively, obtaining the card if possible.

Hello, I'm reaching out because I'm unhappy with the closure of my friend, I.H.'s account. There was a situation where a check I sent to him for a car purchase was mistaken for fraudulent activity. The check has been cleared without any issues, so there seems to be no valid reason to keep his account closed without permission. I kindly request the immediate reopening of his account at the Eldridge Branch in Houston, TX so the car transaction can proceed smoothly. It's been frustrating dealing with the bank's actions, especially with the communication barriers I face due to hearing impairments. The bank's reluctance to resolve the matter is causing unnecessary stress. If the branch continues to delay, I would like a refund. I've involved my own bank to assist, but have not had success in resolving this matter. It's essential for I.H. and me to have access to the account or receive a refund promptly to avoid legal action. Thank you.

In my household, we manage three checking accounts - one for my boyfriend, one for myself, and one for household expenses. Unfortunately, two of these accounts are with capitalone360. Recently, I discovered that capitalone360 does not allow two debit cards on one bank account. As a workaround, I was informed that I could either share his card for the household account and hope that a store doesn't require ID, or I could switch my debit card between accounts using a computer but not through the app, causing inconvenience especially when shopping. Given that we are both working individuals, I believe I should have my own debit card for the household account to manage my expenses independently. The current setup is cumbersome and creates unnecessary challenges in our daily lives. I wanted to share this experience to raise awareness about the limitations and difficulties imposed by capitalone360's policies to prevent others from facing similar issues unwittingly.

I received an email confirming my approval for a secured MasterCard and was instructed to fund my account with a $[redacted] deposit, which I completed on Friday, 09/14/18. However, I was surprised when I received an email at 8:41AM the next day stating that my credit card application had been denied, along with a letter explaining the reason for the denial. I am worried about what will happen to my $[redacted] deposit now that my application has been rejected. As a college student, this money is crucial for me, and I need to know how to get it back promptly. I hope to have this issue resolved as soon as possible to avoid any financial difficulties.

Hello, my name is Jacob H. I have an auto loan and I am reaching out to see if it's possible to receive some assistance. I apologize for not getting back to you sooner or returning calls. I recently discovered that I have colon cancer and have been undergoing draining chemotherapy sessions twice a week. As a result, I have fallen behind on my car payments. I am trying my best to provide what I can and catch up to avoid losing my car. I am determined to get back on my feet despite the challenges I am facing. I will make sure to contact a representative on a day when I am not in chemotherapy. I hope to still have your trust and explore any available options. Thank you for your understanding. Here are my details: Jacob H., SSN: [redacted], DOB: 01/18/[redacted], Address: [redacted] Dover Ridge. Your prompt assistance is greatly appreciated.

I am facing significant challenges meeting my minimum payments due to high medical bills. The growing debt has pushed me to consider bankruptcy, though I wish to explore other options with your support to avoid this step. I am seeking assistance in reducing my interest rate to make payments more feasible. Additionally, I am requesting a balance adjustment considering the possibility of bankruptcy. I hope to find a solution that benefits both parties and ensures some balance repayment. Your cooperation in addressing this issue would be greatly valued. Thank you. - Marc B.

I used my Cabela's card without issue last Friday. On Monday, October 8, my mom and I encountered problems at local stores where my card was declined, while my mom's Cabela's card worked fine. Upon calling customer service and enduring a lengthy wait, I struggled to communicate with a representative regarding the issue. Frustrated by the lack of assistance and instructed to call back from a different phone, I then discovered a restriction on my account online, with a $0.00 credit limit displayed. Later that evening, the restriction was lifted, and the credit limit appeared corrected. Despite not receiving any follow-up communication, the experience led to my frustration, exacerbated by a multiple sclerosis attack triggered by stress. I expect a prompt resolution or clarification on the status of my card and account within the next few days, as I have been a satisfied Cabela's customer for 14 years until recent changes with Capital One. The delayed and unhelpful customer service I encountered is disappointing, and I demand a timely response to this ongoing matter.

Every month, I receive an email reminding me of a payment due. Once paid, I get a confirmation email. However, these emails contain a man's name, account number, payment amount, and due date. I've contacted Capital One for over a year to stop sending me someone else's account details. Despite reassurances that it will be resolved, I continue to receive them. I've shared my experience on various review platforms to raise awareness that Capital One sends sensitive information to the wrong recipients and fails to address the issue when notified.

I am receiving another person's account details from Capital One every month despite my efforts to stop it. The emails include the individual's name, account number, payment amount, and due date. Despite contacting Capital One monthly for over a year to address this issue and being assured it will be resolved, I continue to receive the sensitive information. I have taken to various review platforms to share my experience as a cautionary tale about Capital One's mishandling of personal data.

I have held my Capital One card for 2 years without missing a payment. Despite updating my income and requesting a credit line increase multiple times, I have been consistently denied. The card has remained at a $2,[redacted] limit since opening. While I am encouraged to apply for various loans, I can't secure a credit limit increase despite my spotless payment history. Even though my credit report shows a perfect payment history, every request for an increase is rejected with vague explanations. Customer service claims to be unable to assist with credit limit increases due to automation, leaving me frustrated and disappointed with Capital One.

I received an email on the 18th thanking me for my payment, and then on the 20th, I got another email saying I am past due. I usually have auto-withdrawals set up, so I am confused about why this happened. I even made a payment today to ensure it went through. Can you refund the late fee quickly? Thank you, Chris Christopher H. R. Classic Auto Parts Restoration Inc. Offices: [redacted] Lisa Lane Newburgh, IN [redacted] Fax: [redacted] Email: [redacted] My Direct: [redacted]

I need to update my address on my Capital One [redacted] checking account. The current address listed is outdated, and I have been unable to receive my debit card at the correct address. My Capital One credit card account is linked to the checking account online, and it has the accurate address. However, I am unable to edit the checking account details myself. Capital One requires me to contact them to align the information between the two accounts. I have tried reaching out via mail and fax without success, faced challenges with online chat, and am unable to use the phone due to a disability.

I recently realized that my Walmart debit card couldn't be used to make a payment when my account payment didn't process. After speaking with Customer Service, I found out about the issue and promptly loaded a different card at ACE Cash Checking/Meta Bank to successfully make the payment. Unfortunately, my account was closed due to this error, even though I usually use my Walmart debit card for bill payments. I value my relationship with Capital One and believe this was an unfair situation, as I rectified the payment issue promptly and have a history of on-time payments. I kindly request to have this error removed from my credit and to continue doing business with Capital One. Thank you for your understanding and assistance.

I am frustrated with the lack of assistance regarding the transition issues with my Cabela's Visa credit card. I have not received statements in a timely manner, and the login to access the statements is not working properly. Customer service representatives are not properly documenting calls and have been unable to provide the missing statements due to the transition. Despite my good credit history and timely payments in full every month, I feel unsupported. I urge for better customer service and accountability for errors on their end. My experience with Capital One has left me very dissatisfied. I am contacting Cabela's Corp to address this issue as I cannot find a way to reach Capital One Corp to file a formal complaint. - Glenn and Theresa J.

I am unsure for how long I have held your card as it has always been my favorite. The interest rate has increased from 6.99% to 7.99% and now to over 8%. Recently, I missed the due date on my Capital One account. Despite not receiving an email reminder, I paid it immediately upon realizing the oversight. However, I was still charged a late fee. I believe this issue could negatively impact my credit, which concerns me greatly. As a retired 65-year-old, I rely on email notifications to help me remember important dates. I checked my account settings and noticed that I should have received a reminder five days before the due date. I attempted to adjust it to seven days but encountered technical difficulties with the website. After several attempts, I was able to update it to seven days. I believe Capital One is at fault for not sending the reminder and would appreciate a prompt response. Thank you, Terry K.

I have a Cabela's Visa Club card issued by World's Foremost Bank. Capital One contacted me today via email regarding a charge at Walmart for $[redacted].94. I confirmed the charge but raised a concern. Currently in Costa Rica, I was notified that all card transactions have been halted. However, when trying to file a fraud claim online, I encountered difficulties with the website. The phone number given on the card for international collect calls is not feasible for me. Capital One supposedly has sent a new card, yet the old card balance seems to show a discrepancy of around $[redacted] from my last usage in Costa Rica on October 23. Any assistance would be appreciated.

I am Jesse Edwards, and I am reaching out regarding my credit accounts ending in [redacted] & [redacted], as well as my checking account ending in [redacted]. I find myself in a difficult situation with my accounts being over the limit, making it hard for me to make payments as the interest continues to accrue. Following my wife's departure, I am struggling to financially support my two sons and prevent us from facing potential homelessness. I am inquiring whether your company offers any assistance programs that could aid me during this desperate time. My credit has suffered due to my wife exceeding the card limits before leaving, burdening me with the resulting debt. If my wife, Gretchen Edwards, is associated with any of my accounts, I kindly request her immediate removal without any repercussions against her. I am looking for ways to halt the interest accumulation so I can focus on gradually repaying the debts incurred by my wife's actions. I am committed to settling my dues and maintaining a positive relationship with your company, which has previously provided excellent service. I plead for your support in resolving this matter promptly and restoring my financial standing. For communication, please reach out via email as my phone is unavailable during business hours due to work commitments. Alternatively, I can coordinate a suitable time to receive a call. I sincerely appreciate any assistance in resolving this issue and repairing my credit. Thank you.

I mistakenly used the wrong card to make a payment, and it got returned. I re-paid using the correct card, but now my account is showing a negative balance. Although the payment appears to be posted, the money has not been deducted from my bank account. Previously, there was a tracking bar indicating when my credit increase would occur, suggesting it would be between November 25th and December 25th after the last payment. However, the tracking bar has vanished, and the payment I made isn't reflected, despite stating it is posted. The funds for the payment are still in my bank account, causing concern as the credit increase tracking feature is now missing.

I'm Jesse Edwards, reaching out regarding my credit accounts ending in [redacted] & [redacted], and my checking account ending in [redacted]. These accounts have exceeded their limits, making it challenging for me to make payments while accumulating interest. Coping with my wife leaving with our two boys has put me in financial distress. I seek assistance from any available programs to alleviate my situation. My credit has suffered due to my wife maxing out the cards before departing, leaving me with the debt burden. I kindly request the removal of Gretchen Edwards from any joint accounts for a smoother financial management process. I am eager to halt the interest accrual as I work diligently over the following months to tackle my debts that arose from my wife's actions. I am committed to resolving the outstanding payments and maintaining a positive relationship with your company, which has served me well until these recent trying times. Email communication is preferable for me due to work commitments affecting my availability over the phone during business hours. Please assist me in rectifying my credit situation. Thank you for your attention to this matter.

I mistakenly used the wrong card for a payment, causing it to be returned. I re-submitted the payment with the correct card but now my account shows a negative balance. Although it indicates the payment posted, the funds haven't been deducted from my bank account. Previously, there was a time tracking bar displaying when my credit limit increase would occur, indicating it would be between November 25th and December 25th after the last payment. This tracking bar has now vanished and does not reflect my recent payment. I'm concerned as the money for the payment is still in my bank account, not withdrawn by Capital One.