Capital One Customer Service Issues

To whom it may concern, I am writing to address my concerns regarding my Capital One account. My name is J.P., and I have been a member since May [redacted]. Despite normally paying my balances in full, due to a hardship in October, I missed my November 1st payment. After receiving a letter about a $25 late fee, I contacted Capital One to resolve the issue. During a call on November 12th, a polite agent offered a forgiveness agreement if I commit to never missing payments again and pay a $63 minimum balance by December 1st. I ensured a $[redacted] payment at a store location to prevent further bounces on November 28th. Surprisingly, my account was closed on November 26th before the deadline. I aim to reopen my account, as I have always made full payments and demonstrated responsibility with an increased credit limit. I am fully prepared to clear my balance immediately. Thank you.

I recently got my first Capital One card and decided to make a transfer to my Bank of America account to pay off my credit card balance, which amounted to $1,[redacted].00. I initiated this transfer on 11/21 but was surprised to discover on 11/27 that the money had not yet arrived in my account. I contacted Capital One and was informed that it takes 15 days for the transfer to be completed, leaving me in a challenging situation. Unfortunately, I had relied on this transfer and did not make an additional payment on my Bank of America Visa card before its due date on 11/25. I was frustrated by the lack of communication from Capital One regarding this timeframe, and it resulted in me being charged for a late payment on my Visa card.

I am experiencing difficulty reaching online support about my account ending in [redacted]. I have incurred a late fee for a payment due on November 28th, which was my oversight. While managing multiple Capital One accounts and redeeming rewards, I mistakenly missed finalizing a payment on this specific account. Although I recorded the confirmation for the rewards redemption, I failed to complete the actual card payment. Upon reconciling my payments today, I realized my mistake and the subsequent $27 late fee. I take full responsibility for this error but wanted to provide a written explanation to clarify the situation. I have since made today's payment, which has been confirmed. Thank you, Michelle A Hancock

Hi there, this is Kayla Burns. I have two accounts with your company, and I am reaching out regarding the Journey card. I encountered difficulties making payments toward the card, as they kept getting returned. There seemed to be an issue with Capital One not being able to locate my account. However, after involving my TD Bank manager, they confirmed that my account was in good standing with no issues. As a result of my account not being found, I had charges over my credit limit due to the declined payments. I have a history of timely payments and have never had insufficient funds to cover them. I kindly request the reopening of my account without restrictions, as this problem arose from the account not being located, despite using it successfully for other bill payments on the same days without any problems. Your assistance in resolving this confusing issue would be greatly appreciated.

A few days ago, I requested a credit line increase which unfortunately got declined due to my recent credit score drop. Capital One cited my FICO score and explained the reasons for the decline. Despite my current financial situation being overstretched, I will be back on track soon after finalizing a home refinance and paying off debts. I've been helping family members affected by recent hurricanes, which strained my finances. Although I appreciate the pre-approval offers, I'm perplexed by the denial. I've always been a diligent payer and never missed a payment. I sought the increase due to unexpected expenses like pet surgery. Rest assured, I will pay off all owed amounts promptly, especially after our refinance. Please refrain from sending more car loan offers as I currently have no need. Despite my concerns being unlikely to be taken seriously, I hope Capital One considers the broader customer base and individual circumstances. Wishing you a happy holiday season. - Richard G. [redacted]

I am extremely disappointed with Capital One. Earlier today, on December 2nd, I purchased a plane ticket for my brother so he could come see our terminally ill mother who has limited time left. He boarded the plane with his bags checked, all set to come visit us. However, the airline removed him from the plane, claiming the ticket was fraudulent. This was not only incredibly upsetting but also embarrassing. When I contacted Capital One, they initially blamed the airline. In a three-way call, the airline pointed the finger at Capital One, citing an incorrect address. However, Capital One argued it was due to my apartment number not being included in the airline's records, despite the fact that my monthly statements are successfully delivered with the correct address. My brother is now stranded without a place to stay, as the airport is closed and the person who dropped him off lives far away. This situation is unacceptable, and Capital One offered no assistance. I am utterly disappointed and frustrated, especially considering I have only had this card for less than a year. Shame on you, Capital One. I am completely done and unsatisfied with this experience.

Dear Capital One, I appreciate your user-friendly website, but I am disappointed that my account ending in [redacted], which was supposed to be a rewards account, is not earning rewards as promised. I contacted a representative previously who was supposed to follow up with me, but I never heard back. Today, I am taking the time to address this issue. Initially, I had a credit card ending in [redacted] (Capital One Platinum). A representative convinced me to close this account and switch to a rewards card, resulting in the creation of account number [redacted]. However, when I inquired about rewards for [redacted], I was informed that this card does not offer rewards. This was not what I was told when I made the switch. I have been using this card less frequently due to the lack of rewards. Please rectify this situation. I believe a review of phone records and notes from previous calls will confirm the details of our conversation. Thank you, Christine Taylor

I have noticed a discrepancy with my account regarding past due fees in September, October, and November. I had previously discussed and resolved the September fee with Capital One, but it reappeared without my knowledge. Additionally, I was charged two past due fees in October, which seems excessive. Despite making an on-time payment in November, I received another past due fee. This has caused frustration as my card is now unusable. Another concern is the sudden increase in my payment amounts. While I typically pay $50 with a $10 buffer, December's payment is now expected to be at least $[redacted]. I am unhappy with the accumulating interest and multiple past due fees over the past three months. I urgently request a resolution by tomorrow, as my next payment is due soon. If not addressed promptly, I am considering switching to Discover to avoid these issues. I intend to clear the balance and close this account unless a satisfactory solution is reached.

Request for Assistance with Late Payments Dear Customer Service, Between January and March [redacted], I faced significant challenges, including the passing of my father-in-law, a fractured arm, and assuming care for my mother-in-law. Unfortunately, these events led me to miss payments on my Capital One account. As I am currently applying for a housing loan, I am concerned about the impact of these late payments on my credit score. I am kindly requesting if it would be possible for Capital One to adjust these three late payments on my credit report to deferred payments rather than late payments. Your understanding and assistance during this difficult period in my life would be greatly appreciated. Thank you for considering my request. Sincerely, William H., Jr.

I recently had my savings account that received direct deposits closed, causing my paycheck not to be deposited into my new checking account. Despite updating my information with my employer, the money didn't transfer. After trying to contact customer service without success, I was surprised to receive an email stating that my paycheck couldn't be deposited because it was still set up for my closed savings account. I am frustrated that they can email me but I can't respond to resolve this issue. Capital One logo Sign In Dear Mary, We regret to inform you that we were unable to process a withdrawal request from Dallas / Fort Wo for $3,[redacted].26 on 12/14/[redacted]. This was due to the closure of the associated account. Please sign in to capitalone.com to review your current accounts. Thank you.

I discovered that my mother opened a credit card with Capital One in my name, maxed it out, and left me with the debt, impacting my credit score. I am 20 years old and had excellent credit before this happened. I took responsibility for the debt, paid it off without assistance, all while attending school and living independently. I believe transferring the account solely to my mother's name could resolve this issue. I prefer not to pursue fraud charges against her but want to highlight that she made all the purchases, and I ended up paying for them. It would also be helpful if I could potentially receive reimbursement for some of the debt I cleared on her behalf.

Hello, I couldn't find an appropriate email address to express my thoughts, so I hope this message reaches the right person. Several years ago, I faced financial difficulties that affected both myself and my son, who has since grown into a young man. During that challenging time, all my credit cards were maxed out and no longer usable. Despite my efforts to improve my situation, Capital One was the only company willing to give me a second chance. Capital One provided me with a credit card that allowed me to live more comfortably and begin rebuilding my credit. I simply wanted to express my gratitude for the opportunity they gave me. I will always appreciate their trust in me and remain a dedicated customer. Sincerely, E. Mincieli

Account Number: [redacted]06 I am writing to address the recent dismissal of the lawsuit without prejudice after receiving confirmation from both you and the court. While I understand this allows for the possibility of the lawsuit being reissued in the future, I kindly request your consideration in forgiving and writing off my debt of $[redacted].32, thereby removing it permanently from my credit report. Unfortunately, my financial circumstances, solely reliant on Social Security Disability income, do not enable me to make debt repayments. Regrettably, the shift to this limited income source resulted in my inability to meet the credit card payments. Given that my financial situation is unlikely to improve and I lack assets for debt clearance, I find myself unable to propose a settlement agreement due to financial constraints. I respectfully ask for a written response to this letter at the provided address regarding the possibility of debt forgiveness. I sincerely appreciate your time in reviewing my situation and hope for a positive outcome. Sincerely, Bradley M.

I've been attempting to access my Capital One credit card account without success. Despite multiple phone calls totaling over an hour, I was informed that I couldn't access it. I am located outside the U.S. and do not own a U.S. smart phone. The email option for a security code is no longer available. I require access to view and print past statements and pending charges. I was dissatisfied when representatives stated they couldn't assist me. I'm certain there are other Capital One customers who travel frequently and lack a U.S. smart phone, including some within the U.S. who do not own smart phones.

I have a question regarding Capital One covering TSA Precheck fees. If you are a member of certain organizations, you may be eligible to have part or all of the TSA Pre✓® application fee covered. You could also potentially pay with frequent flyer miles or points. To get more information, reach out to your credit card company or loyalty program. TSA offers these links just for convenience and does not endorse any specific companies or their services. Keep in mind that this information might change without notice. TSA cannot ensure its accuracy or current status. The Bank of America® Premium Rewards® credit card, BB&T Spectrum Travel Rewards card, and Capital One® Venture® Card are examples of credit cards and loyalty programs that cover the TSA Pre✓® application fee in various ways, such as a member benefit or statement credit.

I would like to close my account since I owe $[redacted]. I am unable to pay it currently, even with my taxes, as I am in a different state and do not want to file. I prefer the $[redacted] to be reported on my credit rather than accrue interest. I will pay it when possible. I have relocated and left my Capital One card behind. I have closed all bank accounts except for the Capital One account. I no longer have a phone of my own and am using someone else's. I will be closing my email account as well. Please close my account with the last four digits of the card being [redacted] under Irene D. I will settle the balance in a few months. Any mail sent will be returned as I have requested a mail stop.

I recently received the teen ATM card and I am not happy with its appearance. Having the word "MONEY" in gigantic letters on the front seems inappropriate for a first-time teen cardholder. This design gives the impression that the ATM card itself is money, which could be misleading. Adult cards typically do not have such a design, so why should a teen card be any different? I believe the card should have a more standard look, similar to most Mastercards. A simple design with a small debit Mastercard logo, account number, and name on the back would be more appropriate. There is no need for the word "MONEY" to be so prominently displayed on the front of the card. It's important to consider the message this design sends to young cardholders.

On August 20, [redacted], an unauthorized person used my company’s Capital One Spark Business card without permission. They made six fraudulent purchases on www.SamsClub.com. Subsequently, on August 31, [redacted], someone again without my authorization made eight identical purchases using the same card information on www.Walmart.com. Each transaction consisted of buying the same two items. Upon receiving Capital One’s September statement and discovering the fraud, I reported the incidents to Capital One. Despite following their instructions and contacting Customer Fraud Protection three times, no representative returned my calls. On November 7, [redacted], after speaking to a representative at the Transaction Support Center, who was unable to assist, I have yet to receive a call back as promised. Despite sending an email to Customer Service in December, only one voice-mail message from Jasmine Smith was received, with no follow-up. I am disappointed by Capital One’s lack of communication and failure to address the fraudulent charges totaling $[redacted].32. I am requesting a full credit of $[redacted].32 to resolve the issue.

I was thinking about opening a CD with Capital One until their spokesperson, Samuel Jackson, made degrading and vulgar comments about President Donald Trump. I found it inappropriate and disrespectful. I will be spreading the word to boycott Capital One. It's important to show respect towards the office and I don't need to support a bank that allows such behavior. I am truly disappointed. I cannot support a company that shares such views and pays someone who insults the citizens.

I am eager to learn about the timeline for the arrival of our new credit cards in the mail as my wife's and my Capital One credit cards are expiring in January [redacted]. It is important for me to communicate with a Capital One representative based in the United States, rather than in the Philippines or another country, as there have been challenges in understanding the 'foreign' representatives. Kindly provide a phone number that will connect me with a U.S. representative so I can discuss further concerns related to our Capital One credit cards.