Capital One Credit Card Customer Service Issues

Subject: Settlement Offer for Capital One Credit Card Dear Capital One, I recently received a court summons from you for a hearing on 7/2/18. A friend shared their experience of settling their debt with their credit card company for a reduced lump sum payment, avoiding court proceedings. Considering my financial struggles, I am unable to afford monthly payments or legal fees. Another friend suggested offering a one-time payment of $1,[redacted] to settle the debt entirely. They are willing to make the payment on my behalf if this is acceptable to you. I kindly request your consideration of this settlement offer to resolve the matter efficiently. Please let me know if we can proceed with this arrangement. Thank you for your attention to this matter. Sincerely, G.G. [redacted] Capital One Credit Card 5[redacted]-6[redacted]

As the head of underwriting standards for a large mortgage company, I have encountered a concerning issue with Capital One credit card payments being reported as late due to automatic payment failures. Despite my initial disbelief in such claims, I personally experienced these unauthorized stoppages, resulting in a 32-day late payment. Upon investigating and reinstating the auto payment, Capital One simply attributed the issue to my lack of recent account activity. When disputing the late payment's impact on my credit report, the lack of support and acknowledgment from the dispute department was frustrating. I strongly believe that Capital One's operational failures should not reflect negatively on the cardholders. This practice of generating revenue through late fees and interest at the expense of customers, especially those who diligently maintain a zero balance, is concerning. Given recent scandals in the financial industry, it is surprising that Capital One is not taking proactive steps to address and rectify these issues to avoid potential repercussions in the future.

[Date] [Your Name] [Your Address] [Creditor] [Creditor Address] Re: Unauthorized Credit Inquiry Dear Creditor, Upon reviewing my recent Experian credit report, I noticed an unauthorized credit inquiry made by your company. I have no recollection of authorizing this inquiry. I am aware that any inquiry on my credit file should have been authorized by me. Kindly remove this inquiry promptly as it is impeding my ability to obtain credit. I have sent this letter via certified mail to ensure a swift resolution to this matter. Please provide documentation once the unauthorized inquiry has been removed. If it turns out that there was a misunderstanding and you had my authorization for the inquiry, kindly provide me with evidence of this. Thank you in advance, [Signature] [Printed Name] [SS#]

I contacted Capital One today to arrange a payment plan for my overdue account since my job situation drastically declined in January. Despite closing most of my auto-pay accounts, some unauthorized larger payments continued from my closed Chase bank account. I did not intend for any payments to bounce. I am diligently working to repair my credit and finances. I was surprised to find my Capital One account closed, considering my two other accounts are in good standing. I am working hard to cover the outstanding balance of $[redacted]. I am also working with Chase to resolve the issues they caused from December to February. I hope that by reaching out, I can regain access to my Capital One account, as I have been a loyal customer for years and have recommended Capital One to others. I am eager to restore my account and continue my positive relationship with Capital One.

Good morning, I am writing today about my husband's account, on which I am also listed, ending in [redacted][redacted]. We were recently informed that the account has been closed. After reaching out to customer service and eventually speaking with the fraud department, we were informed that there was nothing that could be done. My husband was thrilled to have been approved for this card as we are in the process of rebuilding our credit following a challenging period. On July 9, I made an additional payment in an effort to reduce our balance and boost his credit score. Unfortunately, I mistakenly used the wrong account for this payment, resulting in it being returned. We only realized this a few days later and promptly made another payment from the correct account. We are eager to work on improving our credit as we approach retirement and would greatly appreciate if you could reconsider reopening our account. We are more than willing to set up automatic payments moving forward. Thank you for your time. A. Durette

I ordered two gifts from the Smithsonian gift catalog on July 20, totaling $93.98. I paid $11.90 for gift wrapping. Unfortunately, the gifts arrived without gift wrapping. After multiple unsuccessful attempts, I spoke to a supervisor who promised the same shipping label that was never sent. I am requesting a refund of $93.98 and an additional $11.50 for the return shipment fee I assume will be incurred due to Smithsonian’s failure to provide the necessary shipping label. Thank you.

On 7/29/18, I booked a stay at City Place St. Louis. Upon arrival, I found the handicapped entrance was inaccessible, causing concern as a wheelchair user. The check-in process was chaotic with a long queue, and guests were complaining about cleanliness and safety. After deciding not to stay, I contacted the reservation vendor with my friend and a Capital One representative named Shaka on the line. I was promised a $[redacted].84 refund, but only received $[redacted].42. Since I cannot speak, my friend, who lives an hour away, acted on my behalf, but I need to confirm her permission. Please investigate this matter and reply via email promptly. Best regards, Melissa B.

I am currently making over 10 payments a month on my Cap1 QS card. I applied for a credit limit increase due to the low credit amount getting quickly maxed out. Unfortunately, I was not approved because of a returned payment from about 4-5 months ago in May, caused by switching bank accounts and the system processing 2 payments. I understand I am at fault, but it was an honest mistake. I would like to inquire about the possibility of having the returned payment status removed from my account so it does not affect future credit limit increase requests. You can review my account history; I have been a loyal Cap1 customer for years, and this situation has never occurred before. Thank you for your attention to this matter.

Hello, I recently applied for the Capital One Venture card based on a pre-approval letter I received. My reservation number is [redacted]-2[redacted]1 with access code [redacted]. As my husband and I have seen an increase in disposable income due to recent promotions, we are looking to add more co-branded credit cards for travel benefits. Despite having a credit score over [redacted], my application was denied. I am keen on establishing a relationship with Capital One and would appreciate a re-evaluation of the decision. Thank you, Beth B.

I made a payment on my account using the Capital One app that I recently downloaded. I paid at 8:22, and was surprised to see a late charge. When I inquired, I was informed that payments after 8:00 incur a late fee. I believe being charged for a mere 22-minute delay is unreasonable, especially as a loyal customer. Although I was advised to use the app for its convenience, the 8:00 deadline was not clearly communicated there compared to paper statements. Not having checked a paper statement since using the app, I am requesting the late fee to be waived due to this lack of clarity.

In April, I forgot to set up autopay for my Capital One Mastercard ending in [redacted]. A charge of $8.95 from Audible.com went unnoticed until October when I saw a balance of $70.86. After resetting my password, I realized I was 4 months late in paying the original $8.95. I promptly paid it on October 22nd and accept responsibility for the oversight. I kindly request Capital One to consider removing any past due marks from my credit reports. While my credit history includes a past short sale in [redacted], this minor oversight seems disproportionate. The card, with a $[redacted] limit, was closed after the payment. Though I accept the consequences, I find it disheartening to have a negative mark for such a small amount. Thank you for your assistance and understanding. - Mike

I am writing to address an issue with my Capitol One Venture Credit card ending in [redacted] which I enrolled in last year. After discovering it carries a membership fee, I called immediately upon seeing the charge on my account today. I requested to either cancel the card or switch to a non-fee card to have the $95 fee refunded. Despite being offered a change to a Quicksilver account, I was informed the fee would not be canceled. I argued that being billed in advance for a service not yet rendered, and receiving the card in November, justified a $95 credit to my account. I expressed reluctance to switch to a lesser account while still being charged for unused services. Following discussions with a representative who promised to revert the account changes, I await resolution within 7-10 days. My contact information is [redacted] and [redacted] Your prompt assistance in crediting the account and resolving this matter is greatly appreciated. Thank you, Brenda Prosser

I am Michael J Defibaaugh, and I would like to add an authorized user to my new account to help us both build credit. However, my friend doesn't live at the same address. I am wondering if the cards can be sent separately to each of our addresses. Additionally, I have not received my card yet, which was supposed to arrive on the 22nd. I expected to see it in the app or the Eno app by now. I realize the issue might be because I don't have any bills in my name from a major provider currently. My phone is not working, and I need a new one to access my accounts. Even though I pre-qualify for another card, I am hesitant to change my mailing address and risk any account issues. I hope we can find a solution to verify my identity and add an authorized user soon.

I am encountering issues with the app. I am experiencing significant difficulty accessing my account through the app. Frequently, I am prompted to "update now," but I encounter difficulties when attempting to do so. Despite my efforts to download the iPad app, I continue to receive messages stating I require an update to iOS 10.0. I have verified that my iPad is running on the latest version available, which is iOS 9.3.5. As I heavily rely on the app for making payments, it is crucial that this issue is resolved. Additionally, I am unable to log into my account online, even though it is set up for online access. Recently, I discovered that I was being directed to the U.S. when I tried to sign in, instead of the U.K. Unfortunately, my attempts to change the location were unsuccessful. Your assistance with this matter would be greatly appreciated.

A friend abroad, Rafael, settled my credit card dues using his accounts. My account got locked because my name isn't on the checking account he used. Rafael is away on business in Switzerland. The transactions were approved by his banker and done through his phone and app. I can provide our discussions and Rafael's details if needed. He authorized the payments for me without any problems. If documents are required for clarification, I can provide them.

I obtained a Capital One Platinum card right after my Chapter 7 bankruptcy. Initially, I was issued a $[redacted] limit and have consistently used and paid it off in full for 6 months. The original agreement stated that after 6 months, my limit would increase to $[redacted], but when I checked online, it shows $[redacted]. My due date for the increase is 12-2-18. I'm unsure why the amount decreased, given my responsible use. Since my bankruptcy discharge, I have no outstanding debts except for my car payment and two other cards with no balances. I earn over $6.5k per month and believe a higher limit would aid in rebuilding my credit. I hope Capital One can raise my limit as promised or at least to the original $[redacted]. I appreciate Capital One for extending credit to me during a tough period and aspire to continue using the card responsibly in the future.

I had two accounts with Capital One as I was rebuilding my credit. Both started with $[redacted] limits. The Quicksilver card was increased to $[redacted]. Unfortunately, due to errors at my previous bank, three payments were returned to one of the Capital One accounts. Despite the other account (Quicksilver) always being paid on time and in full, both accounts were restricted. After paying off the balances and closing the accounts, my credit score significantly dropped. I tried contacting both Capital One and my bank, but Capital One requested written proof from the bank, which I couldn't provide since the account was closed. Despite my efforts to resolve the issue, Capital One refused to reopen the accounts, affecting my credit score. I am unsure of how to proceed to have the accounts reinstated.

While working on improving my credit with Capital One through the Quicksilver One and Platinum cards, I encountered issues with my local credit union resulting in multiple returned payments on the Platinum Account. Despite this, I promptly informed Capital One each time and made sure to resubmit the payment once my funds were available after the deposit account's waiting period. Recently, Capital One notified me that both cards were closed, although I have since maintained a flawless payment record without any returns. I hope this situation prompts a reconsideration of the account closures, as I appreciate Capital One's services and value the relationship we've built. Thank you for your prompt attention to this issue, and I eagerly await your response. Best regards, Brian T. Scott

Good morning, my name is Rev. Dr. James Jacob Showers, Jr. I recently made my final payment to Capital One for the Quicksilver credit card on [redacted]8. I believe my initial account was set up with a partial security deposit. The last payment was processed through American Consumer Credit Counseling Services. I am inquiring about the timeline for receiving a refund for the security deposit now that the final payment has been made. Unfortunately, I do not have the full account number as I have not been receiving statements at my physical address: [redacted] North McCarran Blvd, Apt H158, Reno, Nevada 89[redacted]. Your assistance is appreciated. Thank you, Rev. Dr. James Jacob Showers, Jr. I would also like to inquire how long it will take to update my credit report after the final payment made through American Consumer Credit Counseling Services. Thank you.

My husband mistakenly paid $42,[redacted].00 to my Capital One credit card instead of $19.00. The payment was made on January 16, [redacted]. After contacting customer service, we were promised a refund by check twice, but have not received it. I am disappointed by the delay and the conflicting information from representatives. I expect prompt resolution and will close my account once this matter is settled due to the poor handling of the situation. I have lost trust in Capital One. I will seek assistance from consumer protection agencies if necessary. I anticipate a resolution and the check in my possession soon.