Capital One Customer Service Issues

I recently purchased a car in Hayward, CA from an individual who has the proper licensing to buy cars at auction. The car I bought was financed through Capitol One. The individual used the car as a down payment, but Capitol One has not filled out a form called 'lien satisfied/legal owner/title holder release'. The DMV requires this form to complete the paperwork under my name. Can you assist me with this process? Where can I send the form for it to be filled out? Do you have an address I can visit to resolve this issue, or can I send it by regular mail? I reside in Hayward, CA [redacted]. I appreciate your help and look forward to your response. Thank you. Sincerely, Vicente R. Wishing you a blessed weekend.

In November [redacted], I assisted my mom, who was in her early 70s, in reporting her lost credit card with a $[redacted] balance and getting a new card. She also added me as an authorized user on the new card with a new card number. Sadly, my mom passed away on December 11, [redacted]. I continued to use the card and accumulated a balance close to $[redacted] within a year, learning about credit cards the hard way. Fast forward to July [redacted], I have managed to reduce the balance to under $[redacted], decreasing my monthly payments from $[redacted] to $38. Despite missing one payment during this time, Capital One even rewarded me with a $[redacted] credit increase. My query is regarding the old card with the initial $[redacted] balance that I was not initially associated with. Given my efforts to repay what I borrowed over the past 4 and a half years, am I still responsible for the balance on the card I was not initially linked to? Thank you for your attention and response.

Dear Customer Service, I have been a member of Capital One for 2 years and 5 months, and I am delighted with my choice. The competitive rates and rewards programs you offer, along with superior customer service, set you apart from your competitors. Regrettably, in May [redacted], I unintentionally missed a payment during a hectic time in my life, as I was welcoming a new baby and dealing with issues with my credit union account. I have since resolved these issues and returned to making timely payments as when I initially became a Capital One member. I kindly ask for a second chance to improve my credit score by revising the late payment reported on my credit files with the major bureaus. I believe in Capital One's commitment to its customers and sincerely request your support in pursuing my dream career. Thank you for your time, and I eagerly await a positive decision from your team. Best regards, Robert R. Jr. Card Number: [redacted]

Dear Customer Service, I am having trouble accessing my account as I am unable to receive the temporary verification code required for login. Although I remember my username and password, I can't receive texts or calls on my broken phone. I can only access and send emails. I need assistance to log in to pay bills and review my statements. Thank you for your help, [redacted] C.R. Burgess

I have inquiries regarding my credit card. Unfortunately, there is no text service available, so I attempted to contact the phone number provided. After spending approximately 30 minutes using the AI feature without success, I opted to speak to a representative. I waited on hold for an unreasonable one hour and fifty-one minutes before ending the call. Can you clarify if I can make a large transaction next week without needing to make a payment by August 14th, considering I made two payments this month and do not have a scheduled payment date? Additionally, my current balance is -$2.14, and I am unsure why since I do not possess a cash back card. Lastly, due to this unsatisfactory experience, I am contemplating switching to a Discover card.

I've raised a dispute regarding a custom dress order that wasn't fulfilled correctly and was not received after making a $[redacted] deposit for a $[redacted] dress. Despite providing evidence to Capital One, they seem confused about the situation. We even submitted a detailed packet with a picture and a statement from another dressmaker confirming the dress is unrecoverable. Capital One mistakenly thought we had the dress, insisting we prove we don't. I've contacted them multiple times without much help, and they claim $[redacted] of the deposit is non-refundable. It's frustrating that they overlooked the information we sent and asked for it again. I'm seeking to escalate this issue to a higher management level for resolution.

Good afternoon, I hope you are doing well. I recently applied for a credit line increase on my Venture Card and unfortunately, it was denied due to a returned payment. Let me explain what happened. The returned payment was a result of an error with my bank. The required payment had already been made when this return occurred, and I was attempting to pay an additional $[redacted] towards the balance, which was eventually resolved with my bank, and the extra payment was processed a few days later. It was an issue with my bank not linking my various accounts. I am reaching out today to request a reconsideration of your decision. My payment history shows [redacted]% on-time payments, and I always pay more than the minimum amount due. When the payment was returned, the initial required payment had already been settled. I kindly ask you to review the specific date of this incident to verify my account of what occurred. I am currently overseas on vacation, and I was looking forward to utilizing my Venture Card, as I find it ideal for vacationing. Thank you for your attention to this matter. Sincerely, Marisol H. (Phone number) Email: [redacted]

I'm experiencing several issues with the new CapitalOne accounts pages that are causing frustration: 1. The chat feature is hard to find as there is no visible button. 2. A closed account is displayed on the Accounts page and is not removable. 3. The total value of all accounts is not shown as it was on the old page. 4. Switching between accounts is inconvenient as the back button doesn't always lead to the desired account. 5. Contacting representatives through Twitter is mentioned, but not everyone has a Twitter account. 6. The EASE system for disputing credit card charges seems limited compared to previous options. I find the new pages difficult to navigate and less user-friendly. Reverting to the old system seems like a preferable solution. I hope these concerns can be addressed by CapitalOne's management.

I recently transferred $[redacted] from my checking account ending in [redacted] to my credit card account ending in [redacted] on May 14, [redacted]. However, I expected it to show as a positive transaction in my credit card account but it displays as a negative sign (-). It appears as an anomalous double negative between the two accounts, and I'm confused about why this happened. All my payments are typically highlighted in green, and this $[redacted] amount stands out with a negative sign.

I wanted to share my experience with this company. I have been a loyal customer for over a decade, consistently using and paying off my card. Unfortunately, due to a lengthy hospital stay without the ability to make payments and no family support, I returned home to pay the balance in full only to find my account closed without any discussion or consideration. This lack of customer service and abrupt decision has left me feeling disappointed and unappreciated. As a result, I have decided not to return to this company in the future.

I drafted an email seeking forgiveness from Capital One for missing payments in Florida in [redacted]. However, I struggled to locate their email address online and contacting customer service only led me to the payment prompt. Having been a customer for nearly 4 years, I believe I should have the means to rectify my account errors promptly. Any help in obtaining the correct email address for submitting my forgiveness request would be greatly valued. Thank you for your assistance. P.T.

As a long-time Capital One credit card holder, I am frustrated by a recent experience. Despite always paying on time, my charge for $2.25 gas was declined due to a shortage of 21 cents in available credit. This left me feeling embarrassed and disappointed. Even after contacting customer service, I was not satisfied. I was advised to request a credit line increase to prevent this in the future, but my request was denied. Despite my excellent payment history, I cannot comprehend why such a small amount led to a decline. The interest charges I incur monthly seem excessive compared to this incident. I hope for a resolution to this issue promptly. Thank you for your cooperation in addressing this matter.

I am reaching out regarding the closure of my Capital One account due to a returned payment. I spoke with a representative over the phone, who confirmed the payment with my bank, but my account remains closed. I recently discovered that the payment was made from a now-closed bank account after my father's passing. This oversight led to the returned payment. I have a strong payment history and am grateful for the opportunity to rebuild my credit with your assistance. I kindly request a reconsideration to reinstate my account, as I plan to purchase a house in the future. I acknowledge the concern over the returned payment but assure you of my commitment to resolving this issue. I am willing to provide documentation from my bank or workplace if necessary. My account number is [redacted]. Thank you, Venus C. W.

I am experiencing issues with Capital One as they have wrongly reported disputes to credit bureaus, resulting in delays in closing on our home loan. Incorrect information about late payments was shared, causing denial of the loan after months of building our house. Despite never being late with Capital One, their escalation department has been unhelpful, with staff even laughing at our situation. While late fees were removed, supervisors assisted in reporting disputes from Capital One rather than us, the consumers. Employee ID#'s TNB333, KNE656, XOR416 were involved, along with case number [redacted]. I have detailed records of payments and am prepared to take further action with legal support. Urgent resolution is needed.

Capital One has violated the Fair Credit Reporting Act by reporting a dispute on my behalf to the three bureaus. This caused a delay in closing on our home. They inaccurately reported that we were late two months in a row, leading to our loan denial after spending 6 months building our home. We have never been 30 days late on Capital One or any other accounts. Despite apologies and late fee removal, the issues persist. The escalation department's conduct was unprofessional, with employees even laughing at me. Employee ID#'s TNB333, KNE656, XOR416, and case number [redacted] were involved. I have documented all payments and am prepared with a lawyer for resolution.

I made travel reservations on July 29, [redacted], for City Place St. Louis, MO. When I arrived, the handicapped entrance was broken (I'm in a wheelchair) and there was a line of 75-[redacted] people waiting to check in. People were leaving and saying it was dirty and not to stay. My friend contacted the vendor and they agreed to credit my credit card for $[redacted].84, but they only credited $[redacted].42. My friend needs my permission to speak to Capital One. I can't speak for long periods of time due to my situation. Please assist and look into this matter. Sincerely, Melissa B.

Subject: Reopening of Capital One Credit Card Account To whom it may concern, I am writing to address the recent closure of my Capital One credit card account (Account #[redacted]96) under my name, Kelly J. Taylor. I initiated this account on October 5, [redacted], in an effort to improve my credit score following a prior bankruptcy. Throughout the two years of account ownership, I diligently maintained a $[redacted] credit line, ensuring prompt monthly payments without any missed deadlines. Despite an incident involving returned payments earlier this year, attributed to delays in my bank's direct deposit processing, I promptly rectified these issues upon awareness with Capital One's fraud department, preserving my account's positive standing. In an attempt to streamline payment processes, I recently connected my American Express Savings account to facilitate transactions. Regrettably, a payment exceeding the permissible monthly withdrawal limit inadvertently led to one returned transaction - an oversight promptly corrected with an immediate reissue. However, the subsequent notification of account closure due to perceived misuse has raised concerns. The abrupt termination not only impacts my credit report negatively as "Closed by Credit Grantor," but also jeopardizes my family's ongoing endeavor to secure a home loan, with only marginal credit score improvements needed for pre-approval. I respectfully request a reconsideration of this decision, emphasizing my adherence to account terms, regular payments, and the demonstrated efforts to rectify any shortcomings promptly. As a loyal customer who values the credit relationship with Capital One, I believe in fair treatment and seek the reactivation of my account to maintain financial stability for my family's future. Thank you for your attention to this matter. Sincerely, K. Taylor

I recently had a frustrating experience with a customer service representative and their supervisor, Geraldine, who was disrespectful. The interactions left a bad impression on me. I decided to cancel my credit card with the company due to this encounter. Despite trying to use the app to re-establish my credit, I faced challenges and received unhelpful responses from two individuals during a recent call. My first payment was deemed late, resulting in a $25 charge, though I made the payment on the date provided to me earlier. Initially, I deposited $99 and was charged a fee out of my own money. This experience has been disappointing as I trusted Capital One to assist with my credit journey. The inconsistency and lack of clarity in communication have led me to believe that the company prioritizes profit over customer satisfaction. Although my decision to close my account may not impact the company significantly, I feel compelled to share my perspective on their practices.

My account has been restricted due to the need for verification of personal information. I received an email requesting a photo ID for verification, but when I tried to use my Social Security card, it was not recognized. Despite numerous attempts, I was unable to proceed with the verification process. I am requesting for my account to be unrestricted, and I am willing to provide alternative forms of identification such as sending pictures of my Social Security card or providing the card number in text. I am also open to verifying my identity through other means, like a screenshot of my bank account on the app. I had no issues until now, as I completed all required steps during the initial account setup. I am expecting my debit card soon and need to activate it, but this restriction is causing delays in my plans. Please assist in resolving this issue.

I have a major complaint against Capital One. Please stop putting 11-day holds on my payments. If you are counting only business days, the delay is unreasonable. I am frustrated as it shouldn't take a bank this long to process transactions. Electronic payments typically clear within 1-5 days. If this continues, it could lead to financial difficulties for me, especially regarding medical needs. I am considering reducing my credit line if the issue persists. I expect a quicker payment process, like using a debit card that allows immediate access to funds. I have a good payment history and make payments well before the due date. If this is not resolved, I will have to warn others about Capital One's slow payment processing.