Capital One Customer Service Issues

I mistakenly used the wrong card to make a payment, resulting in a returned payment. I corrected this by using the right card to pay again. However, my account now shows a negative balance, indicating the payment is posted but the money hasn't been deducted from my bank account. Previously, there was a time tracking bar predicting my credit increase between November 25th and December 25th after making the last payment. Now, the tracking bar is gone, and even though it shows the payment as posted, the money remains in my bank account without being deducted by Capital One. This situation has left me feeling confused and worried about the missing information regarding the credit increase timeline.

Since November 1st, whenever I try to log in to my Capital One credit cards account, I am prompted to set up 2-Step Verification for added security. After choosing to receive a code via SMS and successfully entering it, I am asked to create a new password multiple times. Despite creating over five new passwords, both with and without special characters, the issue persists. I have even spent significant time on the phone with Capital One Support about this matter. However, I keep encountering the same cycle of being prompted for 2-Step Verification every time I try to log in, leading me back to step two in an endless loop.

Since November 1st, I've been having trouble logging into my Capital One credit card account. Once I input my details, I'm prompted to go through a 2-step verification process by receiving a code on my phone. Despite creating multiple new passwords, the site keeps asking me to create a new one each time I try to sign in. I've spent hours on the phone with customer support and experimented with different password formats, but the issue persists. I've experienced this problem on both Chrome 70.x.x and Internet Explorer 11. I'm looking for a solution to stop the constant password resets every time I log in.

Subject: Regarding Declined Payment and Credit Concerns I am puzzled as to why my recent payment was declined when I had set up a minimum payment arrangement. Additionally, I am dismayed that my creditworthiness remains low despite my efforts to rectify it. Your system's actions following this incident have left me frustrated. I urge you to address these issues promptly and provide some clarity. Please contact me at 07[redacted]89 to discuss these matters further. Thank you. Best, Simon Hunt

November 9, [redacted] Subject: Recent Issues with my CapitalOne Card To Whom It May Concern, I was informed a few weeks ago that my card was blocked, and I specifically requested it to remain blocked. However, charges continued to go through, notably from my wife, Marie W. Haynes, at Food City in Blaine, TN, and other locations in East Tennessee. Due to uncertainties regarding the charges and a significant $50 fee for non-payment, I have decided to cease using my CapitalOne card. I recently moved from <[redacted] Low Gap Rd, Elizabethton, TN [redacted]> to our new address at Kenneth & Marie W. Haynes [redacted] Hwy [redacted], Washburn, TN [redacted]. Unfortunately, a lack of internet and phone service at my new residence caused delays in receiving my mail and led to these penalty fees, which have impacted me greatly. Until these issues are resolved and if the penalty fees can be refunded, I am hesitant to use the card. I appreciate your attention to this matter. Sincerely, Kenneth R. & Marie W. Haynes

I recently discovered that I have been charged a $59 annual fee on my credit card for the past 3 years without my knowledge and consent. This fee was not present when I initially obtained the card. I am dissatisfied with this unauthorized charge, especially considering the existing transaction fees imposed by Credit Card companies. I have decided to switch to a different card free of such fees unless: (1) I am refunded the accumulated fee for the last 3 years and (2) I am assured that no such charges will occur in the future.

Subject: Request for Credit Line Increase Hello, I recently received a denial for a credit line increase, which left me disappointed considering my good credit score (currently at [redacted]) and positive credit history with 21 accounts. Despite having credit cards with higher limits elsewhere, my Capital One limit remains at $3,[redacted] after years of loyalty, which I find unsatisfactory. I believe I deserve a more substantial credit increase. I would appreciate a reconsideration of this decision without a hard credit check as my creditworthiness should justify this adjustment. Thank you for your attention to this matter. Best regards, C. Sanchez

I have filed a report with the Better Business Bureau against Capitol One. Several months ago, I encountered banking issues, leading Capitol One to incorrectly mark my account as delinquent with a 30-day late payment. Despite numerous calls to their customer service, it was confirmed that no late payment occurred. However, the 30-day late label remains on my credit report, impacting my ability to secure loans for a car and for college. This error by Capitol One has significantly affected my plans for the future, as this negative mark will linger on my credit report for 7 years unless rectified. I am seeking a resolution to clear this mark from my credit report and possibly receive compensation for the stress caused. Alternatively, I would consider a reasonable car loan. If prompt action is not taken to address this issue and remove the delinquent account flag, I will pursue legal action against Capitol One.

I reside in Pineville, Louisiana. Central Louisiana has significant distances between towns and services. Previously, with multiple Capital One banks offering teller services, banking was pleasant and convenient. However, consolidating to one location for teller services has made it inconvenient for our rural community. Living in Pineville, conducting business with a teller now requires traveling a considerable distance to Alexandria rather than using electronic services. Many others in our community have to travel even farther. It was not a wise decision to centralize the service. I recommend having tellers in at least one location in Pineville (north), one to the south, and one to the west to accommodate our spread-out community. Thank you.

Hi, my name is Oris S. Hinson, and I am reaching out regarding my auto loan with you. In [redacted], I filed for bankruptcy, and according to my vehicle balance, there is an issue with the amount owed, which is $[redacted].00 and some change. I made a payment of $[redacted].28 on 12/28/[redacted], but when I obtained a transaction history from the company managing bankruptcy accounts, it only shows a payment of $6.10, which does not match my bank statement indicating the correct payment. I have been trying to contact them for months without success, and they seem incompetent in addressing the discrepancy. I aim to pay off the vehicle by the end of the week and wish to resolve this balance discrepancy promptly. I appreciate your assistance in rectifying this matter. Thank you. Oris S. Hinson.

I signed up for Credit Wise to check my credit before applying for a card. After filling out the pre-qualification, I applied for the Savor Rewards card and got approved for a $30,[redacted] limit. However, when asked to enter my Credit Wise password and cell number, I encountered an error message asking me to wait. I tried requesting verification codes via email multiple times but received none. I'm unsure why my prepaid cell number might be causing issues. Could you assist me with this situation?

I recently deposited a check from my mortgage company into my [redacted] Checking account #[redacted]7 on December 15, [redacted]. After an initial verification call with a representative from DITECH, my account was unrestricted. However, within 2 hours, my account was restricted again, and I have been getting the run-around from the security team. I believe my rights are being violated without a court judgment, which is against federal consumer protection laws. I have a complaint letter prepared to send to the Better Business Bureau, Comptroller of the Currency, Attorney General, and the Federal Reserve Consumer unless this issue is resolved promptly without litigation. Thank you, Claude Smith.

I would like to address the issue regarding a recent payment that was verified and credited to my account, followed by another payment that was also verified but not yet credited. Despite confirming the payments, only a portion of my available funds was taken without crediting the full amount. Even smaller payments have not been processed. I diligently followed the required steps as instructed, with the understanding that future payments would not encounter delays. After several attempts to resolve this over the phone, the issue remains unresolved. The repetitive nature of the customer service responses from overseas representatives has not been helpful. I am reaching out in hopes of receiving the assistance needed to finalize the crediting of my account promptly. Thank you for your attention to this matter. - Ruth K., Account Ending in [redacted], Birthdate 01-09-[redacted]

Dear Customer Service, I am reaching out because I recently received a voicemail from Darnell at Capital Tech Support regarding some issues with a mobile product. Unfortunately, I have been unable to reach Darnell after trying to contact him through the call center. Darnell mentioned that a resolution has been found for my case and requested that I call back at [redacted]. I would appreciate it if someone could assist me with this matter promptly. Thank you. Best, Carl M.

I recently received a call from [redacted], claiming to be Capital One's Fraud Department, providing me with an account number: [redacted][redacted] to call back. They inquired about my recent credit card application on Wed. Nov. 14 or Thurs. Nov. 15, and requested verification of the last 4 digits of SSN and birth date. I shared this information without much consideration. They mentioned my pre-qualification application was pending, and I would receive communication soon. I am unsure if this is a legitimate outreach from Capital One and am concerned about potential identity theft. Could you please clarify if this call was genuine? If not, I seek advice on next steps to safeguard my information. Thank you for your help.

Subject: Application Status and Credit Decision Dear Capital One Bank (USA), N.A., I am writing to seek clarification regarding my recent credit card application with Application ID: [redacted][redacted]. I find it challenging to understand why my application was declined when considering my solid payment history and robust FICO score of [redacted]. Upon reviewing the provided details, it seems that the denial decision hinged on the number of bank card tradelines I opened in the last 24 months according to the credit report from TransUnion. However, I must highlight a discrepancy in my application. Specifically, there appears to be a duplicate entry for the "WF CRD SVC" card applied for on two different dates, 5/1 and 5/10. Furthermore, one of the rejections was from a card that your institution actively sought to initiate based on the solicitation letter I received. I hope for a prompt response addressing these concerns and a reconsideration of my application. Sincerely, M. J. Marek

I have not received my Capital One bill. Upon checking online, I noticed that the address on my account is incorrect. Although the "Residential" address is accurate, the "Mailing" address is outdated. This discrepancy resulted in my account being past-due, which I believe is not my fault as I expected the bill to be sent to the residential address. Unfortunately, I did not receive the bill at either address. The old address listed under "mailing" no longer belongs to me, and the current tenant confirmed they did not receive any mail addressed to me. I have updated the address now, but I have incurred late fees that I believe were unjust. I have made a payment to address the outstanding balance, but I request assistance in ensuring my account is in good standing promptly.

Hello, I am encountering an error when I fill out your company's form. The state field is causing issues for India. I need this fixed promptly as I have been trying to complete this for 4 days now. I need the credit to be processed within 2 days. Please address this quickly as any state in India leads to an error. I previously reached out but did not receive a response. I am hoping for a swift resolution. Please understand my situation; I started this process 4 days ago. Please credit the money to my account within 2 days. My phone number is +[redacted]53. I've been trying to get help for 4 days now, and the deadline is approaching soon. Your prompt attention to this matter would be greatly appreciated. Thank you.

I recently deposited a $[redacted] check into my new [redacted] account from UNITED BANK Wv for employment with ArrowedgeShoppers. However, I received a suspicious letter from the postal service indicating it may be a scam. As I rely on SSI/SSDI, I cannot afford any issues with bounced checks, so I am reaching out to the bank to ensure my account remains in good standing. Despite attempts to contact [redacted], I have not received a response, so I am being cautious and proactive. Please contact me, Michael Jackson, at [redacted]. Thank you for your help.

I am seeking assistance to move a car payment or two to the end of my payment schedule. Recently, I changed jobs, but my situation took a turn a month ago when I fell ill with the flu, leading me to miss work for ten days. My hours were subsequently reduced, making it challenging to catch up on my bills. In an effort to make ends meet, I am actively looking for a second job. Managing my finances has been tough, and I am struggling to avoid overdraft fees while ensuring I can maintain my residence and insurance coverage. It would be a huge relief if I could delay the upcoming payment and the next one as well. Despite handling past challenges like last year's hurricane on my own, the current circumstances have proven to be overwhelming, and I am doing my best to navigate through this difficult time.