Capital One Customer Service Issues

I have submitted a detailed explanation of my issue and provided instructions on how it can be resolved. I am seeking a phone number for Capital One that connects me with a representative based in the United States instead of in a foreign country like the Philippines. Communication with foreign representatives has led to confusion, and I believe speaking to someone in the U.S. will help resolve my problem. Please provide me with a direct phone number for a Capital One representative in the United States.

It seems someone else suspects their credit card may be compromised at this gas station, which is concerning. My card has been compromised three times in the past three months, and I always fill up at World Oil on 17th and Broadway in Santa Ana, California, [redacted]. Let's hope they catch those responsible soon. Thank you, Pat H. --- Subject: Compromises to my credit card - again Date: January 13, [redacted] From: Nextdoor West Floral Park Email: [redacted] Carol W., West Floral Park, shared that her USAA credit card was fraudulently used at gas stations multiple times, with a new card also being compromised recently. Suspecting the issue might be at World Oil on 17th/Broadway due to the timing of the fraudulent purchases, she raised a concern about possible card reader tampering. Visiting the station and discussing with a corporate representative, no reader anomalies were found.

For years, I have been receiving one-time codes via email. This time, the only option available is a phone number - why? I no longer have access to that number. I prefer using my email and do not understand why I am limited to the phone number. I keep receiving Capitol One emails, and as a customer, I am frustrated by this situation. The abuse team I contacted has not responded. I fear being charged for a late payment when I have been trying to reach out but cannot sign in. I simply want to receive the one-time code via email, as I have always done before. Not through the phone. Olga S. ......[redacted]

To Whom It May Concern, I am writing to express my gratitude for the exceptional customer service provided by Ms. Candice WVW105. She assisted me after I was carjacked in Baltimore several months ago. As a disabled Veteran, this incident was particularly distressing, as my newly financed vehicle was stolen. Despite ongoing challenges with the city of Baltimore and my insurance company, Ms. Candice's compassion, attentiveness, and the thoughtful gift of a bracelet from Amazon have been a source of comfort during this difficult time. I remain without a vehicle as my insurance company navigates the appraisal process due to underbody damage caused by the theft. Despite the emotional and financial turmoil, Ms. Candice's support has been invaluable. Please convey my heartfelt thanks to her and recognize her outstanding professionalism, empathy, and dedication to customer service. Warm regards, Carmen Allen

I would like to address a situation regarding the transfer of funds that I have not initiated. Recently, there have been occurrences where my name, Venera Nikolic, has been incorrectly associated with financial transactions involving Prince Harry and Duchess of Sussex, Dragana Zivkovic. Despite these claims, I have never visited Wells Fargo Bank to claim any money as suggested. I won a prize from Publish Clearing House in [redacted], and Prince Harry contacted me via Skype in [redacted], advising me to visit Wells Fargo to collect a substantial sum of money. However, I never acted upon this instruction. Subsequently, I learned that Duchess of Sussex, Dragana Zivkovic, allegedly signed documents with my name and DNA, which she obtained through unsanctioned means. This false representation has resulted in financial discrepancies that I was unaware of. To clarify, my true identity is Venera Nikolic from Bar, Montenegro. I can be contacted at [redacted] or via email at [redacted]. Thank you for your attention to this matter.

Subject: Reporting Identity Theft Hello, I am writing to report a case of identity theft involving an individual claiming to be me, Venera Nikolic, the [redacted] Publisher's Clearing House Winner. This person, who goes by the names Duchess of Sussex or Dragana Zivkovic, has allegedly stolen my identity, signed documents using my name and DNA, taken my clothes from my residence, and engaged in disturbing activities involving my belongings. If you need to reach me, I can be contacted at my phone number: [redacted]-67-26-16-24 or at my email [redacted] Thank you for your assistance in addressing this matter. Best regards, V.N.

Dear Sir/Madam, I need to report identity theft. A person, either Duchess of Sussex or Dragana Zivkovic, is using my face and body. I am Venera Nikolic, the [redacted] Publisher's Clearing House winner. The individual in question has taken my clothes from my apartment, soaked them in water, and placed them in intimate areas for months. They even signed my name with my DNA at St. George Church in London, where they supposedly married Prince Harry on May 19, [redacted]. This situation is alarming with possible scam, spam, harassment, and criminal activities involved. I reside in Bar, Montenegro, near the "Anto Djedovic" elementary school, just meters away from the store "Lav". For further contact, you can reach me at [redacted] or via my email [redacted]. Please disregard any information provided by individuals as they might have been influenced or bribed. Thank you. Venera Nikolic

My husband and I have been long-time users of a Capital One credit card. After selling our home in New Hampshire in October [redacted] to travel, we encountered issues, such as losing my wallet in November. When reporting the lost card to Capital One, I inadvertently provided the last four numbers of my husband's card, causing confusion when requesting new cards. Upon changing addresses multiple times during our travel, including staying with family in Florida and relocating to California, we failed to update our phone numbers with Capital One. This led to account verification issues when logging in from a new computer, resulting in restrictions and requests for photo identification. Despite efforts to comply, a minor issue with the photo submission prolonged the process. Seeking resolution, we hope to receive customer service from Capital One's Virginia headquarters to address these authentication challenges. Appreciating Capital One's fraud prevention measures, we seek a smoother process to verify ownership of our account. - Charles and Mary B.

Dear Capital One representative, I hope you're having a good evening. I have a unique request regarding my credit restoration process for purchasing a new home. There's a charge-off on my credit report from my old Capital One Card in June [redacted] under Acct #[redacted]77. I understand the importance of accurate reporting but also know Capital One has granted goodwill deletions on a case by case basis. I am not disputing the validity but simply seeking a way to remove the charge-off for credit reporting purposes. I understand this is not the norm, but I wanted to reach out and see if an exception could be made. It was one of my first cards, and due to job loss, I struggled to make payments. I am willing to settle and pay the $[redacted] as agreed over the phone. I just want assurance that the charge-off can be removed before proceeding. Please email or call me if there's a possibility to discuss this further. Thank you for considering my request. Best, J.A. Clippinger [redacted] [redacted]

Dear Capital One Representative, I hope you are doing well. I am currently working on improving my credit to buy a new home, and there is a negative charge off from my old Capital One card in June [redacted] (Account #[redacted]77) showing on my credit report. While I respect the accuracy of credit reporting, I have heard that Capital One has, in some cases, removed negative marks as a goodwill gesture. I am not disputing the validity of the charge off but kindly asking if it could be removed from my credit report for settlement purposes. This card holds sentimental value as one of my first, but due to job loss, I struggled to make payments. I am willing to pay the offered amount of $[redacted].00 if the charge off can be removed. I appreciate if you could review my case and consider removing this negative mark. Please reach out via email or phone to discuss further. Thank you for your attention to my request. Best regards, James Allen C. [redacted] [redacted]

Dear Mr. Fairbanks, I am writing to address an ongoing issue regarding my auto loan that has caused me considerable stress. In August [redacted], I obtained an auto loan with the first payment due on October 15th. As I work overseas, I inquired about making advanced payments and was assured it was permissible. Despite my proactive payments before October, I've encountered problems with several payments erroneously applied to the principal instead of the monthly installment. Despite contacting Customer Service multiple times, the issue persists, showing me as delinquent with late penalties applied. I recently spoke to individuals with the reference numbers JPN and LUV in the auto customer service team on 1-28-19 and 1-29-19 respectively. While they promised to investigate, no follow-up communication occurred, leaving me unsettled. I kindly request a thorough review of my account to rectify the discrepancies promptly, as I have upcoming overseas commitments. Your attention to this matter is greatly appreciated. Sincerely, Mark Compton

I would like to express my gratitude for the rejection notification I received earlier today. I had already come to the conclusion, based on past experiences with Capital One, that I was not interested in their card. I believe it's important for you to understand how puzzling this decision is to me, and how lacking your customer service has been, which contributed to my understanding of your rejection. Beginning in January, I made three attempts to apply for the Savor Card following a mailed offer. I receive such offers frequently, assuming they are tailored to attract potential customers like myself. Unfortunately, it seems that little to no research was done, and the decision-making process was subpar, similar to the rejection. What is particularly frustrating, aside from the three one-hour hold times during my "New Customer" calls, is that this is the first time I have ever been declined for a credit card. This is confusing given my credit scores ranging from [redacted]-[redacted], substantial liquid assets, annual retirement income of $[redacted],[redacted], and no outstanding debt. It's truly perplexing and difficult to grasp. I am now relieved that I will not be obtaining your third-tier card. I intend to share my unsatisfactory Capital One experience with friends who are in a similar financial standing. Best regards, K. Jackman

My experience with CO left me deeply disappointed and questioning whether I should continue banking with them. I called their customer service line late at night to inquire about depositing two checks. The representative assured me multiple times that the funds would be available the next morning if I deposited them via ATM that night. Despite following their instructions and depositing the checks, the funds were not available as promised. This led to a frustrating series of phone calls, transfers, and unfulfilled promises to rectify the situation promptly. The lack of follow-through and accountability from CO's representatives left me feeling dissatisfied and inconvenienced. I believe a reputable bank would compensate for such errors in a meaningful way to demonstrate genuine concern for their customers. If CO fails to address this situation appropriately, I am inclined to consider taking my business elsewhere.

I visited the Baldwin branch at 11:38 am today and waited for nearly two hours before receiving any acknowledgement from Matt Davis. During my wait, he didn't inform any of us waiting that his transactions were running behind, and the other tellers didn't attempt to assist either. Even the customers being served by Matt seemed unaware of the reason for the delay, as he kept leaving them for extended periods and seemed unfamiliar with his tasks, frequently calling the drive-through teller for guidance. I was left wondering why the drive-through teller was not the manager. Could someone please contact me regarding this issue? Thank you.

My recent experience with CO has left me contemplating whether to continue banking with them. I had two checks to deposit, hoping they would be available by the next morning. Despite assurances from a customer representative over the phone that the funds would be ready the next day if I deposited the checks into an ATM, I ended up having to wait until Monday for one and Friday for the other. Despite multiple calls, promises to rectify the situation were not followed through. The lack of follow-up and inadequate resolution has made me question the level of customer care provided by this bank. I believe a true display of concern would have been to compensate for the inconvenience caused rather than just acknowledging the mistake. Without a more substantial response from CO, I am considering taking my business elsewhere.

Hello, I am Joel, representing the only ALL GREEN janitorial service in our area. We are members of the US Green Building Council and offer cost-effective cleaning rates for facilities and worksites in Houston, Austin, San Antonio, and Dallas. Committed to reducing costs and providing a green cleaning service, Stratus uses EPA Green Seal Certified cleaning products. We aim to create healthier, cleaner, and greener buildings. Would you be interested in an appointment to discover the Stratus Difference? We can offer you a customized price quote based on the specific cleaning needs of your facility. Please feel free to contact me to schedule a meeting at your convenience. Best Regards, Joel F. New Business Development Stratus Building Solutions Houston [redacted] S. Gessner, Suite [redacted] Houston, TX [redacted] Phone: [redacted] Website: www.stratusgreenclean.com

I have been a responsible Capital One credit card holder with a consistent payment history. Recently, my payments began to be returned due to a regulation about a limit of 6 transactions per month, which was news to me. I ordered a new card due to unauthorized charges and when I tried to activate it online, it couldn't be processed, leading to the closure of my account. Despite always making timely payments and never being late, my account was closed due to the returned payments caused by the bank's transaction limit rule. This closure prevented me from paying my bills on time, resulting in late fees. I reached out to customer service to resolve this issue and am hoping Capital One can waive the late fees and lift the restrictions so I can make payments from my savings. I value being a loyal and responsible customer and hope for a positive resolution to this situation.

Dear Sir or Madam, I submitted an application for a Guaranteed Secured MasterCard and followed all the instructions, including sending the required $[redacted] cheque. However, it has been over two months, and despite multiple calls, I have yet to receive the card. As someone on CPP Disability who needs to carefully manage their finances, asking for more money is not feasible. I am extremely disappointed with the lack of assistance from a company that claims to help individuals. I have heard from others who are facing similar issues, which is disheartening. I have faced numerous health challenges and financial struggles, and the opportunity to improve my credit and have a sense of security with a credit card was important to me. I have always strived to support my family and fulfill my responsibilities, even amidst health setbacks. Thank you for your attention to this matter. Best regards, W.G. [redacted] Mariner Drive Charlottetown, PEI, C1A1M2

I made a payment from my Capital One Checking account to my linked automotive loan account on Thursday evening, February 14, [redacted], as seen on my Capital One app. However, it is now 11:13 pm on Tuesday, February 19, and the Capital One Auto Loan Payment is still showing as pending, along with several transactions from February 15, [redacted]. I believed that Capital One processes transactions from Friday through Monday on Monday night to prioritize larger payments, even if the smaller transactions were made later, to potentially incur multiple overdraft fees. I am frustrated with this delay and lack of transparency. I plan to address this with the bank tomorrow by closing three accounts, despite having courtesy overdraft protection. I would like to see documentation of this policy to understand why transactions from Thursday night have not been processed as of Tuesday evening.

Hello, I have attempted to log in to my account multiple times using two different devices. On each occasion, I was required to complete the 2-step verification process. Unfortunately, the available options to receive the temporary code are not feasible for me, especially since I am currently overseas and only have access to a foreign number. After speaking with two of your representatives, it seems there is no alternative way to proceed without the code. I find it frustrating that my access to MY account is hindered by this limited verification process. Can someone please offer a solution so I can avoid withdrawing my funds due to this access issue? Your prompt assistance is greatly appreciated. Thank you.