Capital One Customer Service Issues

I recently noticed a charge of $[redacted] on my credit card when my balance was over $[redacted]. I contacted customer service on April 3rd and also made a $[redacted] payment. My account should have displayed a balance of $[redacted], but then a valid charge of $[redacted] came in the same day. With the deduction of the $[redacted] payment, my balance should have been $[redacted] on April 5th. However, it still reflects $[redacted]. I made the payment for the invalid charge, but why wasn't the address where the card was sent recorded? Capital One, you should have verified if I requested a new card, not placed the blame on me. It's concerning that someone made a purchase at Best Buy in Atlanta, GA, [redacted] miles away from me, and I am held responsible. I feel uneasy about the gaps in security measures causing stress and unease for me.

My name is Koren H. I have had a Capital One card for a while now. Recently, my card expired, and I never received a new one. After contacting customer service, they assured me a new card would arrive by the 25th. However, a few days past that date, I discovered the card had been used and maxed out. After reporting this as fraud, I received a statement showing I owed $10.50. Despite not having the card in my possession, I was told I couldn't close my account until the investigation was over. When questioning why I should continue with Capital One, a supervisor explained the charge was automated and that I was not obligated to pay it. Though quick in recovering the funds, I am disappointed with the service and now wish to close my account due to these security issues.

My credit card number is [redacted]. Assistance required! I am disputing a claim by Capital One stating I was 30 days late on my November [redacted] payment. Despite making a $25.00 payment on 12-10-18 (only 16 days late) through my bank's Bill Pay, it was refunded, not credited. The same happened with my December payment of $50.00. Previous payments were accepted without issues. Why couldn't my payments be credited based on my name and address, considering the refunds process had no trouble identifying me? This 30-day late payment is hindering my home refinance process, and I've sent 39 pages of documentation to the Dispute department without a satisfactory response. I deeply desire a successful resolution. Desperate for assistance.

I am in urgent need of assistance regarding an issue with a payment on my Credit Card #5[redacted]-2[redacted]. Capital One reported me as 30 days late on my November [redacted] payment, which I dispute. I made the $25.00 payment on 12-10-18, just 16 days late, using my bank's Bill Pay. However, due to an incorrect card number, the payment was refunded instead of credited, along with the December payment of $50.00. Despite previous accepted payments, these were not credited according to my name and address. I sent detailed documentation to Capital One's Dispute department, but only received a generic response, which makes me feel my case was not thoroughly examined. This error is affecting my efforts to refinance my home, as the 30-day late payment is the only obstacle in my credit report. I am determined to resolve this issue, hoping for a fair consideration from Capital One. Your help is greatly appreciated.

Ten days ago, my wife, Dolores J. Drewniak, contacted Capital One to notify them about our move to Costa Rica. They assured us there would be no issues using our QuickSilver card, which has been accurate thus far. However, when I attempted to log into our account last night to review our balance and make a payment, the system didn't recognize our new location and requested verification via our U.S. phone number at [redacted]. Unfortunately, this phone number is not operational in Costa Rica. We are currently at a standstill and would appreciate any assistance you can provide. Thank you.

Subject: Issue Accessing Dolores J. Drewniak's Capital One Account I have made attempts to reach Capital One through Get Human with no success after waiting for over an hour for a response. Approximately 10 days ago, I informed Capital One of my move from the U.S. to Costa Rica, and they assured me there wouldn't be any issues. While my husband and I have been able to use our cards without problems, I am unable to access my account online from Costa Rica due to Capital One not recognizing my new location. I need to check my balance and make a payment. The system is requesting confirmation through a U.S. phone number, [redacted], via voice or text, which is not functional in Costa Rica. Unfortunately, I only have a local phone service here, so contacting Capital One directly is not possible. I am unable to continue waiting in front of my computer using Get Human due to other commitments. Kindly contact me via email at [redacted] to assist with regaining access to my account once I am back home. Thank you.

I was speaking with Capital One about a payment made on 4/5/19 which posted on the 5th. My direct deposit was on 4/3/19, so I paid my bills early. Usually, I have no problem paying the rest of my bills once Capital One payment posts, but this time my bank shows no transaction even though Capital One and I confirmed the payment. I received a confirmation email, but now both my bank and Capital One claim it's my fault. Customer service tried to call my bank, but someone on the line denied being my bank and the Capital One employee disappeared. I've tried calling but can't get through. Now I have a $25 late fee and a $25 due fee, with no one to talk to. This situation is frustrating as I always try to pay before the due date. - Shannon S.

I recently received a quick check form from Capital One, even though I haven't applied for a credit card. I entered the code on the form and provided the required details. The response stated that if I applied, I would be approved. After applying, I was only given a £[redacted] credit limit and later received a rejection letter. I retried the quick check later and was told I didn't qualify for the £[redacted] limit but for a starter card with a £50 limit. I accepted this, hoping to prove myself, but I have yet to receive my sign-in details after three days. I fear another rejection letter is on the way. I am frustrated by the discrepancies and the impact on my credit score. If this issue persists, I will share my experience on social media to bring attention to the misleading practices.

This morning, a late payment fee was added to my account. I am requesting Capital One to consider waiving this fee as a one-time exception. Despite being a customer for over a year, this is the first time I missed a payment. Although the payment was due on April 13th, I made the payment on April 14th around 6 am, less than 24 hours late. Upon realizing my error, I paid the minimum amount and set up automatic bill payment to prevent recurrence. I recently developed an autoimmune condition affecting my memory and cognitive abilities, leading to this oversight. The auto-payment feature will help prevent future mishaps as I manage my health. I would greatly appreciate Capital One's understanding and assistance. Thank you.

I keep encountering an "Access Denied" message whenever I attempt to visit the Capital One website. Despite reaching out to technical support for assistance, they were unable to resolve the issue. Given that I conduct all my business transactions with Capital One online, it is crucial to find a solution. Can someone kindly investigate the reference number provided (18.cff31[redacted][redacted]f74) in order to identify and address the problem?

In February [redacted], I was alerted about hard credit inquiries via Credit Karma, one for a jeweler and one for a Neiman Marcus card from Capital One, without clear company details. Following this, I received a letter from Cap One with my name but the wrong middle initial and an unresponsive phone number. I took action by restricting my credit info access with Trans Union. Later, my Lowe's card showed a suspicious $1,[redacted] charge in a town I've never visited, with my social security number changed. Synchronicity Bank requested proof of my number via mail for correction, a process I deemed insecure; consequently, I closed the account. Shortly after, an unauthorized charge on my Sam's card, also managed by the same bank, surfaced. Despite initiating a fraud investigation and the charge vanishing, I canceled and had the card reissued. These issues were resolved by the end of March. However, on April 16, a Capital One Auto notice addressed to me under my married name (seldom used since [redacted]) but associating me with an unknown individual prompted further concerning developments. Efforts to address this matter with Capital One and law enforcement agencies led to dead-ends and considerable frustration. Despite my persistent attempts to rectify the situation, the source of these security breaches remains unclear.

Dear Capital One Customer Service, I was advised by one of your advisors to write you a letter regarding my remaining credit card balance. Unfortunately, I lost my credit card and was unable to pay the balance over the phone as my details could not be found in the system. I have not received any letters from Capital One due to me moving to a new address, which the advisor on the phone was unable to update. I would appreciate it if you could contact me via phone or email. If calling between 8am-6pm, please leave a voicemail. I am looking to settle my balance in full and cancel my card after payment. Below are my details: Name: Alexander Lewis Furniss Date of Birth: 21/06/[redacted] Previous Address: [redacted] High Road, Chilwell, Nottingham, NG9 5DL New Address: 39 Charlton Avenue, Long Eaton, Nottingham, NG10 2BX Email: [redacted] New Phone Number: [redacted]7 I received an email mentioning my account number ends in [redacted], which is all the card details I have. I eagerly await your response. Kind regards, Alexander Furniss

I've been experiencing issues with my Capital One credit card since my bank account was compromised last autumn. Despite what I thought was a resolution, I discovered in February while trying to make a health insurance payment that my card had expired in January [redacted], and I had not received a replacement. Upon calling customer service, I was informed it would take several days to send a new card due to the breach. After unsuccessful attempts to obtain the new account number online and through their mobile app, I spoke to a supervisor who was unhelpful and condescending. Despite finally receiving a replacement card in March, my account number remained the same. The time wasted trying to get my "new" account number when all that was needed was the expiration date has been incredibly frustrating. The poor customer service experience has me contemplating using up my points and closing the account.

Regarding Individual Voluntary Agreement (IVA), Dear [redacted], I am writing to inform you of my updated contact details and changes regarding my credit card/loan account. My new address is as follows: View Talay Condo 5, Building C Thappaya RD, Nongprue Banglamung, Chonburi Thailand Please note my new telephone number: 07[redacted]90 and my updated name, Ms. Marilyn Softer. I have encountered health issues, including undergoing a gender transition, which led me to lose my jobs in the UK. As I plan to embrace my new identity, I am exploring the option of an IVA. I have considered managing the IVA independently if the majority of my creditors are in agreement. I can commit to a monthly payment of £90 over the next five years from my income, approximately 5%. I am seeking your cooperation and feedback on participating in this IVA. Your response is crucial, as an alternative would be declaring bankruptcy on my return to the UK. Awaiting your response, Marilyn

Regarding the unauthorized transactions on 4/21/[redacted] charged to the account ending in [redacted], I appreciate your efforts to credit back 4 of the unauthorized charges we discussed. However, it seems that one charge is missing from your note. The omitted charge was made on 10/10/18 by basilplay.com for $34.95. Best regards, Fernando Duran

Capital One conveniently sends important notifications through email, including privacy policies and other details. If I can receive emails from them to meet their notification requirements, then I should be able to respond via email to request being added to their “do not call” list. Having to go out of my way to visit their website, sign up, and adjust default settings seems unnecessary. Simply replying to their email should suffice to keep my information private. The lack of an email contact for them appears to be a discrepancy. If I must have an email address, why don’t they? This situation might lead to a potential class-action lawsuit in the future.

In the past months, I've made payments on my account before the due date. The payments are acknowledged, but they don't seem to be subtracted from my balance. Last month, my bill was $11,[redacted].69. I made payments totaling $8,[redacted].99 before the due date. After subtracting this amount, I owed $2,[redacted].70, which I paid. I don't believe any interest should be charged. I am looking for assistance in ensuring these prior payments are credited to my account correctly. Your help in this matter would be greatly appreciated. Thank you, Esther H.

My accounts have been restricted for over two months. I have contacted Capital One's fraud department numerous times without any resolution. Despite sending my identity verification documents three times, following their requests, such as enlarging and sending my driver's license, I have yet to regain access. Each time, I was promised a response within 72 hours, but the call came 10 days later on my home phone instead of my specified work or cell number. They are now claiming my utility bill is past the acceptable 60-day mark, even though the last bill I submitted was dated March 26, [redacted]. After requesting to speak with a supervisor multiple times, they mentioned only Ashley can unlock my account, but I have had no luck contacting her. I am considering closing my accounts due to the unhelpful and frustrating experience. I believe the Capital One Fraud department has been misleading and dishonest in their dealings. I am in need of assistance from this individual in charge of unlocking my accounts to resolve this ongoing issue.

I bought a travel contract from Pueblo Bonito in January [redacted]. When attempting to use it in March, I found out that the terms and guarantees given to us were inaccurate. We were led to believe it was a 20-year service based on the documentation we received. However, when we tried to redeem it, we were informed it was only valid for 5 years, expiring on December 31, [redacted]. The total cost of $[redacted] was split into two payments made using our Capital One card. One payment of $[redacted] was for a "free cruise for 2," and the other $[redacted] was for 20 years of discounted stays at Pueblo Bonito properties. Unfortunately, there were no available properties when we attempted to book in March, and the "free cruise" offer turned out to be nonexistent upon further investigation. Realizing now that this was likely a scam, I contacted the seller via email and included Capital One in the communication. I have requested a refund to be credited back to my Capital One account, but I am unsure of their response at this point. Appreciate any assistance. Best regards, BD JS

I attempted to call multiple times from 7:30 ET onwards to address my payment issue. I needed to change my payment method, but the online platform did not offer me that option. Despite trying all the Capital One numbers, I received constant busy signals. To ensure it wasn't just my phone, I called from another device but encountered the same issue. Realizing it was 8pm ET already, I couldn't reach anyone to process my payment over the phone. Resorting to the online portal, I had to use the undesired account and was marked as late. I made a total of 24 calls and can provide evidence of this. Given the phone and site problems at Capital One, I believe no late fees should be applied to either account.