Capital One Customer Service Issues

I have a secured credit card with a $[redacted] limit. I started using credit in April [redacted] and became a member of Capital One bank in [redacted], opening my secured line in December [redacted]. Despite my $[redacted] limit, I end up spending over $[redacted] each month. I've never missed a payment, but had a couple returned due to timing issues with Amazon charges. I promptly corrected these mistakes and ensured there were sufficient funds. By consistently lowering my balance, my credit limit goes up based on what I pay. As a result, I end up paying more than $[redacted]. My TransUnion credit score is [redacted], and I have 11 months of on-time payments with other credit accounts. My Equifax score is [redacted], but Capital One uses TransUnion. If a credit limit increase isn't possible, can I deposit more into my secured account to achieve an increase? Any guidance would be appreciated. Thank you.

Hello, I'm Ramsey Petrouske. I recently applied for the Capital One secured credit card that advertises low deposit options starting at $49. I made an initial deposit of $75 and added $24 more to reach $99, as I couldn't afford the $[redacted] option. After approval, I was asked to deposit $[redacted] which I couldn't withdraw. I kept the funds in for credit building purposes. With my unemployment funds arriving, I tried to deposit the remaining $[redacted], but I'm now unable to deposit more, and my initial deposits were not refunded. I am unsure what to do as the wait times for calling exceed 2 hours. I either need a refund or the opportunity to make my final deposit. Thank you for addressing this issue.

I am seeking assistance with my account. I usually receive a paper bill and have never accessed my account online until today, May 5, [redacted]. When I logged in to check on a recent purchase, I inadvertently answered some questions that may have altered my account settings. I want to ensure that nothing has changed: 1) I do not want any modifications; 2) I prefer to keep my current account; 3) I wish to retain the same account number; 4) I do not want new credit cards issued; 5) I want to keep my husband's name on the account; 6) I do not want my credit line adjusted. I would like my account to return to its original state. I have a balance of $1,4XX.XX and plan to pay $1,[redacted].00 upon receiving the paper bill. I appreciate your help and regret my error. I understand the challenges you face, but I kindly request that my account be restored. Thank you for your assistance. Sorry for any inconvenience.

I recently switched over to your services and followed all the setup instructions provided. However, my automatic payment was not processed as requested, resulting in a late fee on my bill. I reached out and was advised to make a payment to avoid additional charges. After making the payment, $80.00 was unexpectedly deducted from my account, causing confusion. This experience has been frustrating since the transition. My credit history with Walmart demonstrates that I am diligent with payments. Please review my account and refund the $39.00 charged on March 12. The lack of a functional email communication system is disappointing. I have never encountered issues like this with Walmart. Please address these concerns promptly with a thoughtful response.

I purchased masks for $52.98 from a company called Snatpro I found on Facebook on April 27th. The company promised the item would ship within 1 day. When it didn't ship, I reached out to them and was told it would ship soon. However, their website went down for several days, causing concern. Recent comments on their Facebook page suggest customers are being scammed. I paid through PayPal and have opened a case with them. I received an email today with a tracking number that doesn't work. If PayPal doesn't refund me, I fear I won't receive the masks I ordered. Any assistance is welcome.

I am extremely disappointed and upset because on April 4, [redacted], scammers accessed my account without authorization and took $[redacted]. Immediately upon noticing this unauthorized transaction, I contacted Capital One to stop it. Despite my insistence that it was fraudulent and not approved by me, they stated they could not act until the transaction was completed in 4-5 days. Over the next 4 days, I called daily to request action, but was only assured by representatives that it would be resolved. When the money cleared on the 5th day, I was informed that it was credited back to my account, but no further communication or investigation updates were provided. A letter dated April 17 informed me that the money would be taken back on April 28 as I hadn't provided evidence. Although I promptly sent all evidence, I did not hear back about their decision. I demanded to know the scammers' information and even asked for a contact number, which turned out to be incorrect. Eventually, a helpful individual named Jackie contacted me the next day and assured me that they would assist me after understanding that I did not authorize the transaction. I am deeply dissatisfied with Capital One's handling of the situation and their failure to protect my funds from scammers immediately.

My girlfriend received a call from a number claiming to be from the fraud department. Upon calling back, after the standard prompts for language and the last four digits of the card, we were directly connected to a representative without the usual menu options. The representative immediately asked for the three digits on the back of the card, something we hadn't encountered before. We declined to provide the number and were not offered any alternative method to verify our identity. It's concerning that we weren't given the usual self-select options or additional verification choices. Could there be a scam related to fraud going on currently?

After misplacing my Capital One card, exceeding my credit limit, missing two payments, and failing to update my contact information, my account was rightfully restricted. Capital One initiated a two-month repayment plan with the assurance of reactivating my account afterward. Even though I have paid double the agreed amount for double the time and cleared my balance, my account is still restricted. I have not received any updates on reactivation, and contacting customer service has been unsuccessful due to outdated information. I understand the situation I caused and accept the consequences, but I am looking for resolution or closure on my account, preferably with updated information and reactivation.

I have noticed a charge on my recent statement from Paypal related to Allentimus for $34.98. I made a purchase for a facemask, but it has not arrived after 3 weeks. Upon researching Allentimus, all the reviews point to it being a fraudulent online store. I am concerned as they are using Paypal, post my credit card transaction ending in [redacted]. Even though I have a tracking number written down, they allege they cannot locate my order. The transaction date on my credit card statement is April 11, [redacted], with the description: PAYPAL * PTE LTD[redacted] for $34.98. This is a bogus charge, and I do not wish to pay for a product I have not received. I request a credit of $34.98 on my account. I hope you receive this message and can assist me in resolving this issue. Phone support had an excessive wait time, so I am reaching out to you this way. There are suspicions that the Paypal mentioned could also be deceitful based on comments I've read.

Due to the impact of COVID-19, I believed my account was set up for a 3-month payment deferral without any late fees, interest charges, or credit bureau reports due to our business shutdown and lack of income. However, I was still charged a late fee. I have been attempting to reach customer service at various times but faced long wait times of over 3 hours. Despite speaking with customer service previously to address this per the CARES Act guidelines, I am still confused about the situation. Can someone provide assistance?

My name is Susan P. I believe the city listed is Cleveland, Mayfield Heights, or Shaker Heights in Ohio. About nine years ago, I opened a card which is now closed. Although I don't have the account number, I recall it had a zero balance. I disputed a payment discrepancy back then which has since been resolved, but the dispute needs to be removed as it's impacting my ability to secure a mortgage. My mortgage company stated the dispute is a hindrance. When I contacted your customer service, I was told I was not in the system. Please assist me with this matter urgently. Thank you!

I am having trouble accessing my new savings account. When setting it up, I entered a username, but it seems to have defaulted to an old one from many years ago. I'm unable to recall the old password, and the "Forgot Password" option is not working for me. The contact number on file is a landline, so I can't receive a text verification. I've tried entering my number which has remained the same for over 25 years, but the system keeps stating there is an issue and advises me to retry.

Hello, I'm Michael Self, and I own a [redacted] Nissan Frontier financed through Capital One. Due to COVID-19, I am currently unemployed. I have fallen behind on my auto payments and am concerned about it going into default. I am requesting a short extension to catch up; I anticipate being able to pay at least $1,[redacted] of the total amount owed by the end of May. Despite my less-than-perfect payment history, I genuinely make an effort to stay current. My truck is essential for my work, and I hope you can grant me some flexibility. Thank you for your time and consideration; I am eager to hear back from you soon.

I am disappointed with the inconsistent assistance provided by your representatives during this pandemic. My mother called initially to make a payment and was offered a lower payment plan due to the current situation. However, after a disconnection and reconnecting with another representative, the new agent seemed unwilling to explore options for reduced payment. Consequently, my mother ended up paying the full amount without being informed beforehand. This lack of clarity is frustrating, especially given the global circumstances. The second representative's unhelpful attitude towards finding a suitable payment plan, contrasted with the initial offer, was concerning. It seems there was a miscommunication between representatives, leaving us with a sense of confusion and frustration. I have evidence of your commitment to helping during COVID-19, yet the service provided did not align with this message. I hope for a resolution and a follow-up on this matter promptly.

I recently opened an account online and encountered issues during the verification process when trying to have the code sent to my wife's cell phone instead of my non-existent phone or email. Despite my efforts, I was told the house phone linked to the account is not in my name, which it is, as it's a Spectrum number. There's a pending deposit from my local bank to this new account, leaving me with restricted access. It's frustrating that my wife, a long-time customer, has never faced these complications. Frustrated by the inability to access my account details, I'm considering canceling everything and exploring other service providers.

I purchased two masks on 04/09/20 from VikingsBrand. I have tried contacting them through email and phone, but have not received any response. The tracking information for my shipment stopped progressing on 04/26/20 after showing it was shipped. I paid $73.98 using my Capital One card. As a paramedic working on the front lines of the pandemic, I needed the masks to protect myself and my fiancé who is a nurse. Due to tight finances, I had to use my credit card for this purchase. I would appreciate a refund as a last resort to resolve this issue.

I'm struggling to close my account due to fraudulent activity. I have been on the phone for over an hour with no response. I am unable to get the website to work or get a reply to my emails. Please assist me. Contact me at [redacted] or provide a working code. It's frustrating that customer service is unresponsive, and I need help promptly. The company where the charge was made confirmed it was an unauthorized online purchase. My account has a zero balance and has been secure. I am eager to close the account once I am able to speak with someone or get assistance.

My name is Anthony Morassi. I have a card ending in [redacted] with a reported 30-day late payment from September. I made the payment on time, but it was returned the next day due to a banking error. I have evidence in my bank statements showing the withdrawal on the due date. My payment history is excellent, and this $25 late payment is out of the ordinary. I am concerned because I am trying to improve my credit to buy a house. Kindly consider removing this late payment from my record. Thank you for your attention to this matter.

I need help reaching out to Capital One regarding a $67.80 charge from Postmates. I used the Postmates app to order food for my family, but the driver never picked up the order from the restaurant. Postmates support promised to contact the driver and get back to me, but after 2 hours, I heard nothing. When I followed up, they refused to refund the order, claiming the items were already prepared. Despite this, we never received our food.

I recently made a payment on my credit card account, but it was not applied correctly. Even though the balance appears lower, my card is being declined. Last week, I was on hold for 2 hours and 7 minutes only to be disconnected. Tonight, I called at 10:30pm EST, waited 30 minutes, and when someone finally answered, they couldn't hear me and disconnected the call. My phone was not on mute, and I was not using a headset. This is extremely frustrating. If this issue is not resolved promptly, I will have to share my experience on all my social media platforms.