Capital One Customer Service Issues

I am currently facing financial difficulties and acknowledge that I am behind on my payments. I plan to begin making monthly payments starting in April, although I will not be able to pay the existing arrears. I intend to pay more than the minimum amount due. I hope this arrangement is acceptable. In a past similar situation, contacting customer service was a negative experience involving threats and aggression. I want to reiterate that I cannot settle the arrears immediately, but I am committed to starting monthly payments in April. Thank you for your understanding. Initials J.D.

I recently noticed a charge on my Capital One Mastercard statement from last October that I had already paid, but Capital One insists the charge is accurate. This has resulted in me paying extra for a hotel charge, exceeding the original amount by almost $[redacted]. This is not the first time this has happened; previously, I was out $4,[redacted] due to fraud that Capital One failed to acknowledge. If Capital One wishes to resolve this, they should refund both the $4,[redacted] and the recent $[redacted] charges. I am considering closing my Capital One account due to these issues. In contrast, my VISA card provider acknowledged fraud in the past and forgave a similar charge, earning my loyalty. Capital One can improve their customer service significantly.

I have tried multiple times to obtain a statement without success. I will not pay any late fees until I get the statement. I prefer not to make payments over the phone for security reasons. My address is [redacted] Cleveland Street, Lansing, MI [redacted]. Please send me the statement so I can clear the balance. Despite making four calls requesting the statement in the past month, I have yet to receive it. Please send the statement to the address provided. Thank you, James F. McGaugh, a disabled American veteran. PS: Despite Capital One's calls and emails asking me to contact them, I have already called multiple times with no resolution. Today, I was informed of late charges due to non-payment, which was caused by not receiving a statement.

The Capitol One Fraud Department contacted my husband claiming AirBnB tried to charge my expired card while I was in Greece. The Department mistakenly believed my credit card was expired (expiration date 09/24) and cancelled it, causing me stress during my travel back to the USA. Fortunately, my local bank debit card saved the day, but this error should not occur again in the future.

Dear Capital One, I wanted to bring to your attention that due to the recent state-mandated closure of health clubs and gyms in New York, my business, which falls under this category, has been severely affected. I have been laid off and advised to apply for unemployment benefits as our revenue streams have ceased. Given our current situation of being unable to charge members for services, our finances are strained. With dwindling income, meeting fixed expenses including credit card payments seems unsustainable. I am in the process of requesting temporary suspensions for other expenses like mortgage, auto payments, and insurance until we can resume operations. I kindly request your assistance in either waiving or prorating our credit card charges for the period mandated by the State of New York's closure order. I look forward to your prompt response to determine our next steps. Thank you for your attention and support. Sincerely, Anthony & Julie Alberti

I bought a gift for around $[redacted] at Lord and Taylor and opened a new account. Despite never receiving my new credit card or a bill, I got a bill today with a late fee and interest. After speaking with four individuals, including a Sr. Acct. Rep, for over an hour, they explained an address mistake led to me not getting the card or bill. I questioned what compensation I could get for the inconvenience caused by their error. Despite being a loyal customer spending thousands at L&T for over 20 years through AMX, the previous reps focused only on payment dates and card receipt. I anticipated a gesture of goodwill like a gift card or a more meaningful apology rather than just acknowledging my wasted time. Thank you, Dr. Neal Z.

March 21, [redacted] Capital One Attn: General Correspondence PO Box [redacted] Salt Lake City, UT 84[redacted] To Whom It May Concern, I am writing to request your kind consideration and forgiveness regarding a delinquency on my credit report. I, Minh N. Ho, residing at [redacted] Yokohama Ct., San Diego CA [redacted], have been a loyal Capital One customer with 2 credit cards: 4[redacted] 3[redacted], and 4[redacted] 6[redacted]. I have diligently maintained a stellar payment history on the [redacted] account, boasting a credit score exceeding [redacted]. Recently, I was dismayed to discover a [redacted]-point drop in my credit score attributed to a delinquency report on the [redacted] card, which has been inactive for quite some time. The [redacted] card was originally linked to Progenesis, INC, Tax ID 47-[redacted], and was authorized for use by my associate, Dr. Nabil Arrach. However, since I have since parted ways with the company, and Dr. Arrach has assumed control over the account to which the oversight leading to delinquency can be attributed. I have promptly informed Dr. Arrach to settle the outstanding balance. I respectfully ask for your assistance in rectifying or withdrawing the negative report on my credit history, considering my impeccable payment record on the alternate card. Moreover, given the challenging circumstances posed by the ongoing coronavirus pandemic, where many businesses are facing difficulties, several credit card companies are extending leniency towards loyal customers for late payments. Furthermore, as I am no longer affiliated with Progenesis, INC, I request the immediate closure of this account. I am sincerely appreciative of your understanding and cooperation in this matter. Please do not hesitate to reach out to me should you require any further clarification. Warm regards, Minh N Ho, M.D.

I am Anthony M. Giglio. I have two credit card accounts that are charged off, one ending in [redacted], and the other I am unsure of the last 4 digits. I have paid over half of what I owed on both cards. Given the current uncertainties due to the pandemic, I kindly request that the interest charges on my accounts be waived as a gesture of goodwill, especially since I am making an effort to pay off the full balances. I made payments back in August, which have not yet reflected on my credit reports. I urge you to update my credit report accordingly and remove the "charged off" status. If possible, I request for the accounts to be reopened, as they are beneath the credit limits. This assistance is crucial for me during these challenging times, as I am struggling to meet basic needs and potentially facing eviction. Your understanding and cooperation would be greatly appreciated. Thank you for considering my situation. Stay safe. Sincerely, Anthony M. Giglio.

Hello, my name is TSgt Jacob McQuillen, I am the Noncommissioned Officer in Charge (NCOIC) of the Aviano Pass and Registration office in Italy. I handle the registration of vehicles temporarily imported into the Italian government at Aviano Air Base. Currently, we have a situation with a customer who appears to have abandoned their vehicle in Aviano Square, and we are looking to salvage the vehicle. The challenge is that the customer, David E. Padgett-Carter, has a lien from Capitol One in City of Industry, California. Unfortunately, Capitol One appears to be permanently closed during their operating hours. The vehicle in question is a [redacted] Audi A4 with the VIN #WAUAFAFL5DA150094. I am reaching out to inquire if there is interest in repossessing the vehicle. If not, could you please provide written confirmation so that we can proceed with salvaging the vehicle. Thank you.

Due to the COVID-19 situation, my scheduled trip was canceled, and I used my Cap One mileage points for a new trip in [redacted]. When I attempted to modify my travel plans by calling the service center, I encountered long wait times. Over three days, I spent a total of 18 hours on hold without reaching a helpful representative. Despite being transferred multiple times, the calls ended in disconnection after excessive waiting, even when I tried a specialist's direct number provided by a kind rep. Starting at 8 am, I held on calls until noon, then again until 3:15 pm, facing the frustration of unresolved issues. I seek guidance on contacting CapOne to address this matter promptly as I rightfully deserve assistance, understanding the high call volume challenges, yet struggling through lengthy waits totaling 18 hours in three days.

Hello Capital One team, I am reaching out to request the balance of my account # 4[redacted]-1[redacted] as my account has been blocked without notification, preventing me from accessing it online. I have been diligently making my credit card payments but unfortunately cannot determine the available balance. I have not missed any payments and would like to settle any outstanding amount promptly. Kindly send me the statement as soon as possible via online means, as I am residing in Nicaragua. For any personal information, please contact me on my cell phone at +[redacted]8. Thank you, Gonzalo A. N.

I recently received a FedEx card about four or five days ago, just as I started having issues with bots on my Chromebook and Google Pixel phone. Both devices rely on the internet for connectivity, so I couldn't even make an internet call, let alone a phone call. My VPN got disconnected and I need the exact day and card number I used to pay for NordVPN in May [redacted] to reconnect. My name is Kevin Michael O'Shea, and my last known card number was 5[redacted]-5[redacted], expiring on [redacted] with a CVV of [redacted]. My date of birth is February 14, [redacted], and the last four digits of my social are [redacted]. You can reach me at [redacted] or [redacted] I didn't get a chance to activate the new card I have, but I used the old card that ended in [redacted] at a taco shop on March 10 around 7:30 p.m., while attending a concert. The new card expires in May [redacted] with a CVV of [redacted]. I hope this information helps you understand my situation, as I urgently need NordVPN to get back online.

March 25, [redacted] Re: Account # [redacted][redacted] for Jacqueline B. To Whom It May Concern, I am writing to inquire about the insurance coverage for my account # [redacted][redacted] that may assist with my monthly payments in case of work disability. On March 23, [redacted], my employer Lucy K. from "Kaua'i Vacation Rentals" laid me off due to the Covid19 situation and the new laws mandating quarantine and social distancing. Since I work as a Reservation Specialist, my job has been greatly affected and I am now unemployed for the entire month of April [redacted] and potentially longer. I am hopeful for a response regarding the insurance coverage for my account, which could provide assistance for my future monthly payments. Thank you and have a great day! Sincerely, Jacqueline D. B.

I have been receiving emails indicating a missed payment, which is not accurate as I have always been on time. I have tried to reach out to correct this error, but have had no success. It has been frustrating to be unable to get through by email or phone, and today my Capital One Mastercard was declined at a store, causing me inconvenience. I am requesting to speak with a senior manager immediately to address this issue. Please contact me at [redacted] in B.C. My name is Steve Rickaby, and my card ends in [redacted]. I need it to be reactivated promptly. Avoid contacting me by text as I cannot respond that way efficiently.

I am hoping you will reconsider my credit application. Over the past 12 months, I have diligently researched and employed proper credit practices, successfully raising my score by nearly [redacted] points. I currently face a situation where I need credit to continue improving my financial standing. I feel as though I am on the outside looking in, and I am eager for the opportunity to demonstrate my creditworthiness. Despite facing challenges in the past, I am now focused on a better future and am determined to achieve a solid credit score of [redacted], with or without assistance from Capitol One. Thank you for considering my request. Sincerely, L Nunez

I believe I have been a victim of a scam. Please do not authorize any charges on this card until further notice. I contacted Walmart customer service regarding an email I received today falsely stating that my package had arrived. When I called to inquire about it, I discovered that the package was not due for another week. I was directed to follow instructions online and subsequently transferred to another website where an individual named David, who had an Indian accent, claimed there was a virus issue complicating things. He promised a refund and to reorder for me. After realizing something was wrong, I gathered information to report to the authorities, whom I can't reach until Monday. The scammers utilized Western Union and Amazon in their scheme, obtaining my information through Amazon. Please contact me at [redacted], B. Jeanette D., regarding my credit card ending in [redacted]. I am 77 years old and unsure how to handle this situation. Thank you.

April 2, [redacted] Dear Sirs/Madams, I am reaching out to provide you with some important information. My wife is in the final stages of cancer and is currently under Hospice care. I have transferred all my financial obligations to Alleviate Financial Solutions LLC (TriPoint Lending) due to the circumstances. I apologize for any inconvenience this may cause. At this point, my focus is on my wife and the difficult times ahead. The emotional burden I am carrying is immense, and I hope for a peaceful resolution. You are welcome to reach out to Alleviate Financial Solutions LLC for any necessary communication. I appreciate your understanding and prayers, although the depth of my situation may be hard to comprehend. I pray that none of you ever have to endure what I am going through. Sincerely, Gregory A. Contact Consultant: Chris Noriega 1-[redacted] Alleviate Financial Solutions LLC (TriPoint Lending) 4 Park Plaza, Suite [redacted] Irvine, California 92[redacted] 1-[redacted]

Dear Sirs/Madams, I am reaching out to provide you with the necessary details regarding my current circumstances. My wife is terminally ill with cancer and has approximately one month left. She is under hospice care, and I have transferred all my financial obligations to Alleviate Financial Solutions LLC (TriPoint Lending) due to the situation. I sincerely apologize for any inconvenience this may cause. I am struggling immensely with the impending loss of my wife and find it challenging to see a purpose in life without her. The emotional burden is overwhelming, and I pray for a peaceful resolution every day. Your understanding and prayers are appreciated, though I acknowledge that it may be hard to comprehend the depth of my grief. For any further communication, please reach out to the provided contact information for Alleviate Financial Solutions LLC. Thank you for your consideration during this difficult time. Gregory A. Barber [redacted] West Cherokee Street Springfield, Missouri [redacted] ***************************************************** Chris Noriega/Contact Consultant 1-[redacted] Alleviate Financial Solutions LLC (TriPoint Lending) 4 Park Plaza Suite [redacted] Irvine, California 92[redacted] 1-[redacted]

Last month, I was charged a late fee on my credit card ending in [redacted] for being a couple of hours late with my payment. Typically, late fees are applied the day after the due date, so I was surprised to see it on the same day. Today, when I went to pay, I noticed the late charge, and I am hoping for forgiveness as it was only a small delay, and I paid promptly. It's a tough time financially, and the minimum payment is really challenging for me right now. Being just a couple of hours late, I hope for a one-time exception as I have always been in good standing with my accounts. Being charged a fee for such a small delay feels unfair, especially when I strive to pay on time. Any help in this matter would greatly improve my financial situation, and I kindly ask for the $35 fee to be waived as I aim to keep a clean record.

Subject: Issue with Account Activation Dear Capital One, I recently received my credit card and attempted to set up my online account as instructed. However, I have encountered a persistent issue when trying to input my phone number, resulting in a recurring error message stating there was a problem. Additionally, I have noticed a caution symbol indicating that my account is restricted. Despite installing the mobile app and attempting to verify my phone number through it, I encountered further complications and had to resort to email verification instead. My phone number, [redacted], was previously associated with Verizon in NJ before I moved to Florida and switched to Sprint. Interestingly, the number was once linked to an individual named Axel Rodriguez, leading to frequent calls for him, even years later. I am unsure why I am experiencing these difficulties, especially since I was approved for the credit card. I kindly request assistance in resolving these issues promptly. Thank you for your attention to this matter. Sincerely, Jacqueline C. K. Evans [redacted] Key Lime Blvd. The Acreage West Palm Beach, FL [redacted] P.S. I attempted to contact customer service via phone, but the long wait times prompted me to send this letter instead for a quicker resolution. Thank you!