Capital One Customer Service Issues

Hello, I received notifications about suspicious activity on my account ending in [redacted]. My account is currently restricted. Despite providing my social security number and birthdate, my credit card remains on hold until I submit various documents, including a copy of my social security card. I am uncomfortable sharing this sensitive document due to identity theft risks. I am willing to provide my driver's license and a utility bill. I recently traveled to Europe from 12/20/19 to 1/2/20, using and paying off my card. The last transaction was on 1/5 at Target in San Diego, where my card was declined. I hope this information proves my ownership of the card and helps release the hold. I appreciate your protection but feel sending my SS card is excessive. Thank you for understanding. Sincerely, Lowella V.

My account was closed unexpectedly, and I failed to monitor it because the card did not reflect on my credit report. It seems there was an annual fee in either June or July [redacted], leading to accumulating late charges due to my oversight. I am concerned about how this situation impacts my credit score since it does not show up on the credit monitoring platforms I use. I am seeking guidance on how to address this issue promptly to prevent any negative impact on my credit score.

I opted to keep my Money Market account for its 2.0% interest rate. However, it dropped to 1.7% and then to 1.5%. When I inquired about this, I was informed that moving to the [redacted] Performance Savings would grant me a 1.7% rate. I have since made this switch online. I am dissatisfied that my money remained in the Money Market as the rate decreased; I believe I should have been notified of these changes promptly. Having been a longtime customer of Cap One, I feel this situation was mishandled. I noticed you offer a 2% rate on a 1yr CD, but I am contemplating transferring my funds to another bank that provides a 2% rate on savings or Money Market accounts without requiring a CD. Would you consider compensating for the lost interest on my account since the rate fell from 2% to retain my business? - R. P.

Hello, I believe my payment is due on January 15, but today is January 9, [redacted]. Could you please confirm and ensure that any possible late fees or extra charges are removed? Thank you, Irene H. --- Irene H., We've noticed a missed payment on your mymaurices VIP Credit Card account. Your payment is due on January 15, and your account shows a past due status. Please make a payment to bring your account up to date today. You can pay online, by phone, or send a check. Thank you, Maurices

I recently opened a new account and have a fixed income. Unfortunately, my January *th, **** payment to Capital One was one day late. I have arranged to pay my February *th, **** payment on time. Due to my negligence, I was charged a $25 late fee on January *th, ****. I am kindly requesting a one-time credit for this fee as I am committed to making timely payments moving forward to avoid impacting my credit reports negatively. I appreciate your understanding and cooperation in this matter. Thank you. C. Michele Baker Boal *****-****-****-****

There was an unauthorized charge on my card by my son. I have the card in Shelby and am willing to return it if I have the address. Let me know who I should pay back to resolve this matter. My son, J.C., and his friend look very similar. Please stop any fraud procedures. I have disciplined my son for his actions. Please forward this to the fraud department at [redacted] Steadman Rd, Shelby, NC. I prefer not to face fraud charges, just guide me on whom to repay. My son has confessed, and I will handle the restitution. Thank you.

After Walmart/Synchrony transitioned to Walmart/Capital One, I was not notified of the change or issued a new card. Upon figuring out the transition, I set up an account with my Walmart account number but encountered issues. I made a payment and was charged a late fee unfairly. Despite making another payment promptly, I keep running into problems. I have been unable to obtain my account number or a card, and I face persistent issues with my password during payment attempts. I aim to settle the entire balance, foregoing the need for a physical card. My priority is having the late fees removed, paying off the balance completely, and concluding this matter. My name is A. Logstrom, and you can contact me at [redacted] or [redacted]*[redacted].

I feel incredibly disrespected and frustrated. I am currently taking care of my ailing mother in Michigan while residing in Texas, dedicating myself to her well-being. I entrusted you with opening a secured card account, deposited my hard-earned money into it, linked it to my personal bank account, and set up automatic bill payments without encountering any issues. However, the sudden restriction on my account demands that I show my license over the phone. Despite having verified my identity through the app and website, your insistence on this additional step feels like an unnecessary burden. I am willing to provide any personal information needed to resolve this matter promptly, as I urgently require these funds for my mother's medical expenses. If my account remains restricted by the end of today, I request a full refund and the closure of my account. Your cooperation is greatly appreciated.

Hello, I need assistance with my Capital One Visa credit card. Currently in a small city in China, I used my credit card at a Bank of China ATM three times in a row to withdraw money. However, after the third withdrawal of [redacted] rmb, the machine stopped working correctly and I was unable to withdraw more funds. Despite contacting customer service prior to traveling to China and being assured there would be no issues, I am now facing a block on my card. As I don't have international phone service and cannot locate assistance locally, I hope to resolve this situation urgently. Thank you, Stan T. #4[redacted] 8[redacted].

Dear Customer Service, I am reaching out about my situation with the [redacted] Mercedes C250. Over the past three years, I have not received any communication from your company regarding the status of my loan on this vehicle. Despite numerous calls made inquiring about the loan, the information provided seemed inconsistent, with the latest call confirming that the car was discharged in bankruptcy. Recently, on the 16th, the car was repossessed, which led me to contact the authorities and my insurance company. However, upon verification by the police, no towing record was found for the vehicle, leaving me in a challenging situation. Given the circumstances, I urgently request a copy of my contract and all related correspondence pertaining to this car. It is important to note the passing of Michael Wright (co-owner) in May [redacted] and the subsequent lack of communication regarding the outstanding balance on the loan. I strongly believe that there has been misinformation leading to the repossession, as I was under the impression that the loan was settled. I am now being asked for a significant sum to retain the vehicle, which I find unreasonable. It is crucial that I receive the requested documentation promptly to address this matter effectively. Thank you for your attention to this issue. Sincerely, Jacqueline S.

Yesterday, I reached out regarding some texts I received asking about a $6.93 purchase. Initially, I thought it was a gift I bought on my Amazon CA account. However, upon closer inspection, I realized my recent purchases were for $19.88 USD and $16.99 USD, not $6.93. Therefore, it seems there may be a mistake in the charges being questioned. Now, I am uncertain who I should speak to about this, but I wanted to clarify that I did not make any additional purchases apart from the ones previously mentioned. Thank you for your attention to this matter.

I recently received an email from you informing me that my survey statement is available online. The email address is correct, but the name on the email is not mine at all. I have captured a screenshot of the email, but I am unsure where I can upload this file for your review. Thank you in advance for looking into this issue. Best regards, F. Lloyd

I have multiple homes in the United States and Mexico. When leaving Pacifica to fly to Mexico, I accidentally left my debit card on my bed. I realized this after arriving and now need assistance in retrieving it. Whether a new card needs to be issued is not a concern as I am a new customer. Additionally, I've recently switched to Capital One and am dissatisfied with the prolonged clearing time for deposited checks compared to my previous bank, Wells Fargo. I usually deposit pension and medical insurance checks. I am reaching out for someone to contact me via email to arrange shipping to my Mexico address for my debit card. Thank you.

Recently, my account was flagged for potential fraud after being held for over three weeks. My longtime business partner, who has held the account for more than a decade, was required to submit multiple personal documents including a driver's license, social security card, and a utility bill for verification. The customer service representatives have been unhelpful and disrespectful towards our situation. Despite all bills being paid promptly, they have shown little regard for our business. I am seeking to escalate this matter to corporate compliance or the customer service management team due to the unprofessional treatment we have received. Allegedly, the ongoing fraud alerts were triggered by errors in transaction verification codes by a Capital One representative, resulting in a system failure that other representatives are unwilling to address. I am considering reporting this issue to the Federal Trade Commission and FDIC if necessary, and may involve legal representation. My contact number is [redacted].

Capital One recently froze my credit card account after I attempted to update my U.S. phone number from overseas, which triggered a security alert. Currently, the number on file belongs to my elderly grandmother, making it difficult for her to assist with verifications. I have contacted your customer service team multiple times to resolve this issue. They informed me that the only way to lift the restriction on my account is by submitting a U.S. driver's license or state-issued ID. However, since I have never resided in the U.S., I only possess a Social Security Number and a U.S. passport (my driver's license is from South Africa, and I have never held a state-issued ID). It seems unfair to request documents that were not initially needed when I opened my account. I am willing to provide verification using my SSN, U.S. passport, and South African driver's license.

Good morning. I contacted earlier today to report a lost credit card. After speaking with customer service and confirming multiple unauthorized transactions, I was transferred to the appropriate department. However, after being on hold for 40 minutes, I had to hang up as I couldn't continue to wait due to work restrictions. I will have to call back after 3 pm. I understand the procedure but waiting over 50 minutes is too long. Please email me and send a replacement card urgently. I will call back later or you can reach me after 3:30 pm Pacific time. Thank you. -Rosmery Carrasco

I have a Capital One Checking [redacted] account. I made a mobile deposit for my first check, and it took 10 days to clear. I contacted customer service, and they explained the delay was due to it being a new account and assured it wouldn't happen again. My second check also took seven days, and they advised it would improve after a month. Unfortunately, this delay caused me to miss my January child support payment, leading to serious consequences. Despite my plea to release a portion of the funds before the check cleared on February 1st, they didn't do it. I even offered to provide my court order, but they were unhelpful. This situation is extremely frustrating. I need to escalate this matter with someone higher up at Capital One [redacted] to address this unacceptable banking experience.

While in Vietnam, I'm attempting to monitor my account using my iPad. A message on the screen is prompting me for a second authentication method due to a perceived difference with my sign-in. Unfortunately, I do not possess a cell phone to resolve this issue. Although I receive email notifications for withdrawals from my [redacted] account, my husband, who is a joint account holder, did not receive notification for a recent transaction using his card, causing concern for us.

I am experiencing difficulties updating my contact information with Capital One as they still have my old phone numbers and email on file. Despite numerous attempts, I was unable to verify my identity through their system. I would like to provide my new contact details: my new cell phone number is [redacted] and my updated email is [redacted] I no longer use the phone numbers [redacted] or [redacted], as well as the email [redacted] Kindly request Capital One to update their records accordingly.

I want to bring something to Capital's attention - I am a long-time customer and was very frustrated by the recent incident with my card being declined. Despite my proactive call to Capital yesterday to inform them about the overdue payment (which I clarified I would settle upon my return), my card was still rejected today. This was not only inconvenient but also embarrassing. It would have been evident to anyone reviewing my account that I have always been prompt with payments and maintain a substantial balance of $40,[redacted] in another Capital account. Wouldn't it have made sense for a Capital representative to simply check my accounts and acknowledge my call, which was documented, before blocking my card? Unfortunately, big banks are renowned for their lack of customer care, and this experience only seems to reinforce this reputation. While I understand that banks are profit-driven, it is disheartening to see customer service taking a back seat. I will continue to shop around in the hopes of finding better service. In the meantime, I urge Capital to exercise more diligence and conduct a brief review before suspending accounts.