Capital One Customer Service Issues

25 Leafhaven Drive, Tewantin, [redacted] Queensland, Australia [redacted] [redacted] [redacted] [redacted] April 29th, [redacted] Dear Sir or Madam, Subject Access Request I, Kay Levy, am requesting access to any personal data held under my name between 1[redacted]. My birthdate is 06.02.[redacted]. Please provide me with the data related to my personnel file and all credit and loan products as entitled to me under data protection law. If you require additional information, kindly let me know promptly. Please be advised that data protection law mandates a response within one calendar month. Communication via email is acceptable for me. If you are not the designated contact for such requests, please forward this letter to your Data Protection Officer. For guidance, the Information Commissioner’s Office at ico.org.uk or 0[redacted] can offer assistance. Yours faithfully, Kay Levy

Dear Capital One, I am writing to request a release from my obligation to repay any loans associated with this account. Kindly review the account and determine my eligibility for co-signer release. If I do not qualify, please explain the reasons for ineligibility, steps needed to qualify for release, your current co-signer release policy, and any anticipated changes to the requirements in the future. If I am currently ineligible, please update the account to reflect my intention to apply for release as soon as possible. Kindly contact me when I become eligible for co-signer release. If you are unable to provide the requested information or do not comply with this request, please explain. Thank you for your assistance. Sincerely, Rachel Mcleod [redacted] Northwood Cir Unit E Concord, California [redacted]

Hello, my name is Rich B. I recently noticed two warnings regarding charges on two of my credit cards. I typically use my account ending in [redacted] for online purchases and monthly bills, such as TV charges. Although the charges were valid, I appreciate your efforts in identifying them and reaching out to me. It gives me peace of mind knowing you are monitoring my credit card activity. I often hear about large banks using algorithms, but regardless of how the warnings are generated, I am grateful for the simplicity of being able to halt suspicious charges while we investigate further. I just wanted to take a moment to express my gratitude for your diligence. Thank you, Rich & Dora B.

I would like to address an issue with recent overdraft charges on my account. I am disappointed by the lack of communication regarding a returned check to my utility company. This resulted in an unexpected $9 fee that I was unaware of until receiving an email notification in the evening. I believe this practice is unfair and deceptive. I request the $9 fee to be refunded promptly. Moving forward, I intend to close my account if such incidents continue. I urge you to revisit your policies and provide better notification procedures to prevent similar occurrences in the future. Thank you for your attention to this matter.

I recently applied for a secured credit card from Capital One and quickly received an approval letter. To secure my $[redacted] credit limit, I paid a $49 deposit over the phone on April 29, [redacted]. However, the initial payment was rejected on April 15, [redacted]. After resolving the issue with my bank, I attempted to make a payment several times by calling Capital One, but each time I was put on hold for 30-40 minutes. When I tried to make the payment online using my customer number, zip code, and last 4 digits of my Social Security number, I received an error message saying my credentials were incorrect. Despite verifying my personal information multiple times, I still cannot access my account to complete the deposit. I kindly request assistance in resolving this temporary issue. Thank you. Additional information: Name: D. Williams Customer#: [redacted][redacted] Zip code: [redacted] Last 4 of SS: [redacted]

Hello, I am Deionta D. Williams, and I am contacting Capital One's customer service regarding a hard inquiry on my credit report that appeared when I applied for a credit card. Upon approval for a credit line, I was given a deadline of May 17, [redacted], to make a full deposit to access my approved credit line. Although a credit check was necessary, I did not decline the offer, yet a hard inquiry was still registered on my credit report. I am requesting to reach a resolution to remove this inquiry from my credit report. Please reach out to me with any information on how we can settle this matter. Thank you, Deionta D. Williams [redacted] Overview Dr. Apt.[redacted] Arlington, TX [redacted] Email: [redacted] Phone: [redacted]

I had to pay $1,[redacted] for rental car damages on April 25th to Drivelia. The damage was minor scuff marks on the trunk, but they insisted on replacing the plastic side panels unnecessarily. Despite explaining, I was eventually made to pay after over 1.5 hours. The agent was unyielding about the damage's extent. I seek your help in getting $[redacted] credited to my account, as I wish to cover legitimate damages only. I couldn't contact you earlier due to lack of phone or internet access. I trust Capital One will assist me in resolving this issue. Thank you for your attention to this matter.

Dear Capital One team, Since receiving my Capital One card, I have consistently made early and full payments, which led to an increase in my credit limit from $[redacted] to $[redacted]. However, after utilizing 90% of my available credit, my request for another increase was denied. Subsequently, I struggled to make only minimum payments due to personal challenges including family tragedies and severe illnesses that required hospitalization and extended bed rest. I acknowledge my lapse in communication and regret falling behind on payments. Could we explore the possibility of waiving some of the late and interest charges to reduce my outstanding balance? This assistance would significantly aid me in settling the bill, although it might deplete my resources. Furthermore, I have upcoming surgery on June 5th that will impact my financial situation until at least August 1st. I hope for your understanding of my circumstances, particularly the unexpected events that contributed to my current predicament. I have always maintained a flawless payment record on my bills, and the recent difficulties have adversely affected my credit score. I seek your support in reestablishing my timely payment history and restoring my financial stability. Thank you for your attention to this matter. I am looking forward to a favorable response. Sincerely, Andrea Chapel

On April 24, [redacted], I made transactions in Nanjing, China using my Capital One Debit Card and Credit Card. When withdrawing 3,[redacted] RMB with my debit card, $[redacted].87 was deducted from my checking account based on an exchange rate of 1 USD = 6.[redacted] RMB. Meanwhile, the credit card was used to pay a hotel charge of [redacted] RMB, resulting in a charge of $58.94 at an exchange rate of 1 USD = 6.[redacted] RMB. I'm puzzled by the significant difference in the RMB amount received for the same USD amount between the two cards. I had expected both to offer similar exchange rates. Despite Capital One's claim of providing the best rates, my experience suggests otherwise. I'm inclined to inquire which card, between my Capital One credit card and debit card, is more favorable for future hotel payments in foreign currency.

I encountered a problem with PayPal when making 2 purchases on StubHub. After the transactions were mistakenly processed as cash advances, Capital One charged me $20 in service fees and $1.69 in interest. Although the transactions were quickly reversed and refunded, Capital One claimed they couldn't help due to their policy on cash advances. Despite my efforts to explain the situation over the phone, the representative was not able to reverse the fees.

To whom it may concern, I would like to address the U.S.-sourced TV advertisement named "Capital One Eno City Center" that can be viewed at the following link: [redacted]. I believe this ad displays extremely irresponsible behavior. The scene where the girl is checking her phone in the movie theater illustrates poor phone etiquette and a lack of consideration for other moviegoers. Have you ever experienced someone next to you or in front of you in a dark theater using their bright phone screen, causing distractions for you and others nearby? It's frustrating to confront them, especially when some individuals may even respond defensively. This is one of the reasons why I prefer to avoid going to the movies, especially during peak times. I urge Capital One's advertising team to be more mindful and considerate in their creative choices. Sincerely, NB

I apologize for the communication issues I've been experiencing. I have three Capital One cards from your company, and I appreciate your service. Unfortunately, last year, I was out of work due to illness, and this year, I had surgery, impacting my credit score. I am unable to get a loan to catch up on my bills, which includes my overdue house payments. My home is my main priority, and I hope you understand. I had an 8-year relationship end abruptly, leaving me with a mountain of bills, including the house payments, which I am struggling to manage alone. I kindly request some time to get back on track. Thank you for your understanding. Joann G. [redacted] Smithfield Road North Providence, RI [redacted]

I am experiencing a challenging situation with unauthorized charges appearing on my account. After my cards were stolen from me while I was in the hospital, individuals used them to make fraudulent transactions, which I reported as soon as I recovered my cards. However, I faced difficulties with my card payments and experienced a repeated incident of theft. Moreover, there have been discrepancies with Capital One regarding my credit increase and the amount I owe. Despite my efforts to address these issues, I have encountered obstacles, including being told conflicting information about my owed balances and having my account details shared with a purported collections agency. These challenges have negatively impacted my credit score and financial well-being, creating additional stress in my life.

After closing my credit card account due to unauthorized charges, a new card was issued to me. To my surprise, the fraudulent charges from a company named "Mepco" attempted to withdraw $[redacted].33 from my new card without my authorization. Initially, Capital One assured me they would prevent this, but now they admit the merchant might obtain updated information. I expected Capital One's security measures to block such merchants and prevent these issues with a new account number, but it seems their protections are lacking. Once my account is refunded, I plan to cease using credit cards altogether and close my accounts permanently.

To whom it may concern, I, Gary W. York, want to explain my delay in payments. I apologize for this situation. My wife's health issues necessitate frequent medical visits, ER trips, and hospital stays, accumulating substantial bills. Coupled with rising medication costs and increased insurance premiums, our fixed income from Social Security is strained. This financial strain is unprecedented for me. I am seeking advice from a financial advisor and discussing options with my lawyer, Mr. Michael O'Donnell. While creditors have been accommodating, our expenses exceed our income. Please understand that despite needing medical attention myself, my focus is currently on my wife's well-being. I appreciate your patience as I work towards resolving these challenges. Thank you, Gary W. York P.S. The account is under my wife's name, Linda D. York. Acct.# [redacted]

I'm Virgie S Ray. I opened a credit card account a month ago and could use it initially. Suddenly, my account got restricted, and I haven't been able to use it for about three weeks. I was asked to provide my driver's license, social security card, and proof of residence, which I did. Despite sending these repeatedly for two weeks, my account remains restricted due to suspected fraud. I've spoken to numerous Capital One representatives, but no one has been able to assist me. My credit card bill is due soon, and I'm frustrated with the lack of resolution or communication. If the issue persists, I see no point in keeping the account open. Please investigate and help remove the restriction. Thank you.

Subject: Frustration with Personal Capital One Website I initially found the ease of using the Personal Capital One credit card website delightful, with quick access after setting up my sign-in details. However, for the past month, I've encountered repeated error messages prompting me to go through a frustrating two-step verification process. Despite being certain of my login information, the site continually disrupts my experience. I have even reset my password, but the issue persists, forcing me to go through the extra step every time, which has become exasperating. I'm hesitant to contact customer service as explaining the problem seems like another hassle. I simply wanted to share my frustration in writing. While I don't expect a resolution from this platform, I appreciate the opportunity to vent. Thank you for any assistance provided. Best regards, J. L. New Jersey

I am interested in accepting the offer to make payments on my account. I was assured that my account would not be closed, and I am willing to pay $27.40 per month. Instead of using my bank account or debit card, I prefer to send personal checks. I don't see the option to pay by check in the offer. I can start on or after the 3rd of the month when my funds are deposited. I am currently in a difficult situation, homeless with 2 dogs. At 55, I am working to improve my circumstances and repay my debts. If you are open to receiving monthly checks around the 10th, I am committed to paying what I owe. Thank you, Kathleen Hudock.

When traveling abroad, I have always been able to access my Capital One account online from my computer to manage transactions and pay my bill. Recently, I am unable to log in because the security check requires a phone number verification, which is only linked to my US landline. Even if I provided my US mobile number, it wouldn't work with the SIM card of the country I am currently in. Customer service suggested downloading a mobile app for access, but this incurs additional costs compared to using the computer browser for free. I prefer not to pay bills over the phone. Previously, Capital One had a travel notification feature that worked seamlessly. This new security protocol seems unnecessary and inconvenient. Is there an alternative solution besides the costly mobile phone method or changing credit card providers? It's frustrating having to deal with this while abroad, and I'm concerned about how it will affect my family members who also travel extensively. I value Capital One's commitment to security but believe requiring more than a user ID and password for login is excessive, especially for international customers.

I have had a checking account with Capital One Bank in New York City for many years. Now at the age of 73 and retired in Asia, I rarely visit New York. When I try to access www.capitalone.com to check my account balance, I struggle. My monthly social security check is directly deposited into this account, and I need to monitor it. While I understand the security measures, I often face difficulty as my Password is not always accepted. Contacting the bank by phone is inconvenient for me. I am hopeful that they can provide a solution via email to help me access and manage my checking account balance. Your assistance in resolving this matter would be greatly appreciated. Thank you. - Leticia B.