Capital One’s earns a 4.3-star rating from 5168 reviews, showing that the majority of clients are very satisfied with financial services.
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worst company ever!!!
Here is the exact explanation I sent to the better business bureau upon filing my complaint, I don't mind sharing (And I urge you to file a complaint with them by going to WWW.BBB.ORG):
To preface the current issue, I must say that I was laid-off in kentucky, therefore I had to re-locate to florida where I was unable to find work for two to three months.in this time I was unemployed I was unable to make payments on my capital one credit card, which even at that time was under a closed account. I had already cut up and disposed of my credit card.
So, as I am not the only one this has happened to, my interest rate skyrocketed to 29.99%, and unfortunately, presently, that is the least of my worries. Though a sufficient problem, I cannot comprehend the entire ordeal this company has put me through.
In the process of finding a job, acquiring one, and saving my money accordingly to pay my bills and get things situated, capital one was calling me every day, all day, sometimes up to 15 times a day. Even on sundays. That is harassment by any means. They would ask inappropriate questions to the effect of, "why did you lose your job?", "how long have you been out of work?", "do you plan on getting a job sometime soon?", "do you have any plans to work in the future?", "are there other family members who can pay your bills?"
They even tried to contact my parents in kentucky, and when they wouldn't answer the phone, they began calling numbers of the addresses on their street asking neighbors if they'd seen my parents at the house. That is beyond harassment, that is extreme stalking. Inappropriate behavior that is inexcusable for no one.
I had explained to numerous capital one employees to cease the calls and they retorted that I must begin making payments for the calls to stop. I again said I would call them when I had enough money to keep up with monthly payments. My first call to set things right again was on june 29, 2009 in which I asked them when my next payment was scheduled to be due. According the the person in which I was speaking to it would be due the 14th of july. I have bank statements to prove that I made a $69 payment on july 14, 2009. I recorded the id of the employee who took that over-the-phone payment: nfv122. Please note, because my account is "delinquent" I am denied access to my online account. I do not receive paper statements anymore and they will not allow anyone to change the email on that account to my current one. So I no longer can receive, nor ever have, received online statements through email. Needless to say, I am completely in the dark and cannot view my statements at all.
I called between that july 14th payment and my next scheduled payment in august because I wanted to inquire about getting on some form of a debt liquidation program. They flat out told me they offered no such service. I explained to them the other credit card company I dealt with offered me not only an incredible program where I have fixed payments, 0.00% interest and no more fees of anything whatsoever, they also offered me sympathy. They were and continue to be supportive and reasonable in my determination to eliminate my debt.
Capital one offered nothing more than extremely less than poor customer service. I finally get on the phone with an employee who I felt possibly, truly was trying to help me. She said there was a loose "3-month" program where they would basically take my "past-due fees" and divvy them up into three equal payments. Then, after three months my account would be brought current and I could begin making regular payments again. She asked if i'd like to receive a letter stating those specific dates and the amount due and I gladly said yes. The dates were as follows:
Payment 1 - august 20, 2009 $105.67
Payment 2 - september 20, 2009 $105.67
Payment 3 - october 20, 2009 $105.67
Here is where it starts getting really tricky. I have on record my first payment was made on august 17, 2009 in the amount of $105.67, and I was proud, feeling as if finally, I was getting back on track.
So, next month comes around and I had money earlier than expected and decided to pay early, again, feeling accomplished. I call to make "payment 2" in the amount of $105.67 on september 3, 2009. That is 17 days before their expressed due date in the letter I received in the mail. The employee (Id: ucx826) explains to me that I received a late fee in the amount of $39.99 for my previous month's payment. Her reason was, they told me it was due on the 17th, not the 20th. I asked why? How was that possible when I received a letter clearly showing august 20th was my due date. Employee ucx826 proceeds to say to the effect, "i'm sorry, it was late. Your bill was due the 17th." well, regardless of this first blatant lie, if they're now telling me over the phone it was due the 17th, it was still paid on the 17th. So 20th? 17th? Who cares at this point, it was still on time. I ask this employee to see that which is the truth and fix the problem, thus waiving the fee. She relented, after about 45 minutes on the phone. She asks if she could help me with anything else and I said yes, I would like to go ahead and pay september's bill early. She accepts my payment, 17 days early, and thus tells me I would need to call back next month and have my late fee waived! She flat out told me I was going to be charged $39.99 again for paying two and a half weeks early!
By this point, as I dearly hope you understand, I was fed up. To say the least.
October. Now it's time for the "third installment" of my payments. I call once again, on october 17th (Just to be sure of course!) that even though it technically, by written letter, wasn't due until the 20th, I was paying on the 17th, just to cover myself. I made the "last" payment of $105.67 and I asked if I had received the "i-paid-early-so-i-get-a-late-fee-anyway" late fee and the employee said, "no." I did not take this employees id because I thought everything was settled.
It is now november. I called yesterday to find out where I stood with my balance. I was told it was $2, 234 - which basically, is around the same amount it was before I made that first payment of $69 back in july! Now granted, I understand with a virtual 30% interest rate, and my account being past-due, this could very well be a legitmate reason for me not having made any break in my balance. But, I was told those "three payments" would bring me back into current status and everything would be fine. I was told yesterday, I owed $314 and then my account would be current. I said no way, I was taking further action and would not pay them until certain conditions on my end were met.
So here I am, better business bureau. I'd greatly appreciate your help in this matter. I hope to resolve this issue as soon as possible. I would absolutely love to pay off capital one in the amount that I have borrowed from them. My conditions are as follows:
They allow me to view every statement on that account since the time it was closed, they waive every fee that brought me into overdraft, which caused overdraft fees, late fees, and anything else which is causing my account to be past-due. I want them to lower my interest rate to something reasonable, in the range of 6-9% and once these conditions are met, I will continue to make payments. I do not want any money from this company, all I want is a payment plan that makes sense, that is reasonable and something that doesn't waste my hard earned cash.
Even after writing and explaining most of this situation, I cannot verbally express my absolute and utter dissatisfaction with capital one. I vow to never, in any way, do business with this company again. I should not be punished for something that was out of my control and something I am making a very notable and dedicated effort to correcting. I feel that every time I correspond with them, they make a mockery of me, they insult my intelligence and I want them to know that I will not take it anymore. They have lied, stolen and cheated me. I want it to stop. And I want to fairly pay back the $2, 000+ I owe to them, and be done with it.
Thank you for your time and consideration.
Sincerely,
J. J. Ross
The complaint has been investigated and resolved to the customer’s satisfaction.
hired a repo company that acts like an private investigator
Capital One hired a company called Camping Companies, Inc to steal my car. This company acts like a investigation company. They went to my grandparents home to indirectly harrass me. I have contacted my attorney general because we have constitutional rights to fight these thugs. CCI Investigations is what the business card says but my research found differently. They do not have authority to operate in NM and they are violating my right to privacy. I have challenged Capital One because they charged me late fees for no reason. Also, I lost my job and could not make payments. This CCI company website says they have advanced technology to give their customers satisfaction. I say we sue the hell out of Capital One for violating our rights to due process as guaranteed by the Constitution.
The complaint has been investigated and resolved to the customer’s satisfaction.
Can give you number to good attorney if interested
EXACTLY! I agree that they are [censored]s, but pay your bill. OOH Capital one wants my car back because i dont pay for it!
You are not paying for it - it is theirs and now you are going to cost us money by filing a lawsuit?
atm fraud
When looking for account balance on atms they are designed to misrepresent the balance and then charge you for overdrafts.
Paying online a bill for time warner is approved by the bank and leads you to believe approval means it is deducted from your balance, it is not. It is only deducted when the company posts the bill with the bank which can be a week later even though they threaten to turn your service off the day you pay your bill. Which again creates the supposition that the transaction has to be immediate.
Then you may proceed to use your atm card with the balance without the amount paid to time warner. Beong careful not to go over you still do when the bill is finally posted. You are then charged 35. Oo dollars for an 8.25 purchase, a 12.00 purchase for food! Watching the account closely not to over draft a fraudulent balance misrepresented by the bank when the time warner bill is posted you are charged for 5 over drafts od 35.00 apiece plus the bill putting you in 500. Oo or more dollars minus! Ifeel this is terribly misleading and when the bills are o. K. D by the bank they should be withdrawn from the account
The complaint has been investigated and resolved to the customer’s satisfaction.
fraud & deception
In January 2008, I transfered a balance to Capital One because their offer was good - 0% for the life of the balance transfer. Things were fine with them until 2 months ago when they decided to raise my interest from 0% to 19.8%.
When i called to complain, I was first told that it was an error and they would fix it. When I called back to verify 10 days later, they told me that the 0% for Life never existed and that my offer was for 12 months.
i called again. The next person said that my offer was actually for 18 months. When i called again, they said the offer was for 6 months and that i should be happy i received 0% for 20 months.
A very long story made short, they will not honor the 0% anymore and unless i can prove that i had 0% for life, i am screwed - now accruing 19.8% interest.
They lie and this is fraud, deception and breach of contract.
The complaint has been investigated and resolved to the customer’s satisfaction.
poor business ethics
We have doing what ever they expect for payments. We made our payments on time. They were not documented as on time. Every time we made payment arrangements with them, they did not document so that the next collector would know what they had previoiusly done. We get several calls every day by several different people. We have never had the same account Rep. We are now fighting to keep our vehicle from getting repossessed and it is not all our fault. We were told something is better than nothing. That is not what they think. We are very frustrated with trying to do business with a company that doesn't do business. We keep hearing that there are hardship offers. But we never qualify for any of those programs. We make the payments and they continue to tell us we are behind. There is no way that we will ever use this finance company ever again. Someone needs to get Obama to pay attention to these types of finance companies and attack them like he is attacking credit card companies and auto dealers. He wants the economy to go up, using finance companies like this one will only continue to drive the economy right down into the depths of Satans world. When do we get the politicians involved?
I recently had my vehicle repoed because of a conversation with an account rep. Several months ago i was in the hospital, i had received a call from cap 1 on my cell. I had been making my payments each month but sometimes not the full amount. I'm on SSID, I'm a bilateral amputee and i have luous, my ex husband is the main borrower in the account but he hasn't helped me with the payments in over two years.
Anyway this conversation i told the account rep that i have received several callous already, that i was in the hospital and that they were harrassing me. Well a cease and desist order was placed on account which i did not authorize, the payment plan i had set up with them was removed, so since they didn't receive the scheduled payment nor could they contact me because of the order, they repo the car.
I got the car back within 48 hours. It cost $2200 fortunately my mother was able to help with the cost, but cap 1 says that because i said the word `harrassement` was grounds for putting the cease and desist order on. By law it must be in writing and i didn't do this and also they said they had no record of on order in writting on file.
Cap 1 has very poor business practices, the reps aren't properly trained. Something definitely needs to be done to correct them. Over the life of my loan i can't count how many times i had set up payment arrangement whenever i had a financial issue and the information isn't documented.
Due to the recession, I was forced to take a job in Ontario Canada, and was current on my car payments when I left. I have spent every month since my arrival in Ontario, in conversations with Capitol One representatives simply trying to find a way to make a payment on this account. Every time we think we have found a means that will work something happens. Usually it is the fact that their accounting system will not accept payments in any form if it is not keyed to a zip code and my address is in Canada and has a postal code. The payments attempts have involved all forms of US credit cards, western union, money gram and US dollar checking accounts. However the last mess up has come because the person at the office of Montery CA, decided that the postal order from Canada Post sent in US dollars (a form of payment carefully researched and negotiated with a special representative at Cap One Auto Finance) - was in Canadian dollars. This was despite the circled underlined US dollar amount, and despite the note attached saying this was in US dollars. The check has been returned to me according to an account rep, but it has not arrived in my mail box yet. This means that the funds that are invested in the money order are unavailable to me. I have spent numerous hours on the phone, going to places that agents have recommended, and as well have lost funds in transfers from US to Canadian and back based on the varied solutions this company offers. Now I back at square one dealing with agents who want to be helpful but seem disabled by a fragmented, antiquiated, and disconnected finanacial system that is not able to solve problems and forces its workers to operate in ways that make them unhappy - as I think they are as frustrated as we are.
I am stunned by this behavior by an internationally prominent company, particularly regards Canada which is currently doing far better than the US in the recession due their high fiscal management skills and financial reputation. I am a US citizen and would be happy to participate in a class action suit, as it seems to me that something is really wrong at Capitol One Auto Finance JP
completely agree! i will start doing some leg work on this end to see what we can do about CAPITAL ONE...i thought i was losing my mind when i was going over the printout of payments i have sent in...it is just a joke...
I agree with the settlements of Class Action lawsuits. However, my ultimate goal is to cease the unfair business practices of Capital One. I have a full week this week but I plan to consult a Civil attorney on next week. Please keep me abreast of your progress and I will do the same.
I agree but would it financially benefit all of us that have been affected. Alot of times with class action suits there are so many people involved that everybody gets paid off with some pocket change and it is more work than it is worth. I have had my name in alot of class actions and I have never gotten a dime. You have to think, we are all in over our heads for atleast a minimum of $10, 000 up to (I know I am in to them for $18, 000) and higher. If there is a lawyer out there that can prosecute and financially help all of us out and FINANCIALLY RUIN AND TAKE OUT OF BUSINESS CAPITAL ONE AUTO FINANCE, I am in whole heartedly. I would be glad if all of our loans would be cancelled and reported to our credit reports as PAID IN FULL AND CURRENT so that our credit reports could get some help. I have a friend at work that has a husband that is a prosecuter, county. I will ask him and I will write a letter to the NE Attorney General. Lets throw it out to everyone and see who can file the first claim for all of us.
ctaulbee69
I am in Alabama and I too share your sentiments. I think we should start a class action lawsuit. if you read all of the complaints on this page and the following pages I am sure a lawyer would take our case.
We spent the last 6 months keeping our car from getting repossessed by Capital One Auto Finance. To the point where I put our house in jeopardy. I had been making our payments on time to the point of over drafting our checking account and making the full amount. We were in upside down so far, I told my husband it was going to be his casket when he died. One night at around 11:00 p.m. the repo guy showed up. He said if I could prove that the payments were current that he would return the vehicle the next day. Every month we got a new account rep, every month the other person knew nothing about the other person, they did no documentation on their computers. They would call us both about 10 times a day. I think everyone should contact their state attorney general and turn these people in and get them stopped. As for anyone that is making the attempt to keep from getting their vehicle repossessed and having to fight every month to keep it, go ahead and let it go. Otherwise some unexpected night, they will show up any way, even after you get the payments, so called, caught up. If you are having to fight wit repossession people, your credit is already shot because the payments are behind. Save yourself the headache, go out finance a different vehicle and let the other one go. As long as you have one good finance going on your credit rating, a repossession whon't hurt so bad on the credit rating.
I too have been a "victim" of capital ones debauchery. As most of you due the economy i fell behind in my payments to the point that they were going to reposses my explorer. I called capitol one and aske how much do i owe to bring my account current. It was about 2000.00 which i was able to pay. Now that the end of my loan is maturing the mysterious late charges are appearing. I have called the company and pleaded my case saying if you tell me how much i owe and i pay it, how do i owe you more? Needless to say i have got the run around like you wouldnt believe. Just yeaterday, 10/30/09 i spoke to a Jennifer in one of the departments, she informed me that she is not in customer service, but if you are helping a customer, isnt that customer service? After some discussion i asked to speak to her supervisors' supervisor and you wouldnt believe the response i got. She told me "they do not have time to deal with customers" At wich time i informed her that customers are the reasons they have thier jobs. Folks if one person reads this and turns away from capital one than my effort will be worth it. The part that really gets me is i have asked for an office where i can meet face to face and the representative Jennifer told me that they do not have an office. Go figure.
interest forgot paid and poor service
It was a nightmare for the experience I recently dealt with Capital One bank.
At the beginning I had two CD accounts, one has balance about $16K, matured in July, another about $44k., matured in August. After CDs expired, I transfer both CDs’s balance into a new opening Money Market account (actually the bank reused a zero balanced years old old MM account).
On 08/12/2009, a $15 penalty charge was applied to my MM account for the lower balance. I made about threes customer calls to finally get back the $15 wrong charge. Per customer representative, it was the beginning zero balance that caused the mistake. I still don’t know understand how that mistake could happen. Isn’t that every account always starts with zero balance.
While I was trying to correct the incorrect penalty charge, I found that my MM account have never got interest paid so far. For MM account, the interest is posted by the end of the month. I called the customer service to report the problem, and my nightmare started here.
- In first two calls, they seemed they just wrote down my problem but never resolved it.
- About one month later I made the third call to the branch where I opened account, the person promised to check my account and call me back, but I never get the call back.
- I made the forth call to customer service again, the problem finally got settled and I was told that the interest would be posted to my account a couple days later.
- Later I checked and I found the $33.79 IOD interest was paid to my account on 10/13/2009.
- $33.79, Is it correct for the total interest earned in my MM account? It doesn’t look right, not mention July, per the bank statement, the average balance is about $60k in August, > 1% interest rate and $58K in September, 1.01% interest rate.
- On 10/15/2009, I made another customer call to report the interest calculation mistake. The customer representative very impatiently answered my question about the interest calculation mistake, and insisted, “Yes, It is correct, $33.79 is the year-to-day interest for the account. If you don’t believe, please come to the local branch to discuss it.” I don’t know exactly how the interest is calculated, but I know the basic math and the basic concept about interest rate. So I suggested the customer representative to do a simple calculation to see why the bank’s icalculation was not right. For the balance $60k, interest rate 1%, the monthly interest would be about $50 (($60, 000 * 1% / 12 = $50). But the customer representative didn’t buy it and insisted “That is correct.”
The interest is not big money. I am just so surprised on the bank’s banking mistake and poor customer service.
closed account and still withdrawing money from bank account
I finished paying off my Capital One card September 3, 2009.
I told them that the account is now closed and nothing should be added to that account.
Much to my horror and surprise, they withdrew 150.00 from my husband's checking account.
I even had the bank go into the computer and stop the transaction, but Capital One still got 150.00 for nothing.
I told them over the phone that I was to have the 150.00 put back into the account and they started giving me the run around and I told them I would file all kinds of complaints.
The complaint has been investigated and resolved to the customer’s satisfaction.
awful bank
I refinanced my home with Capital One Bank, about a year ago and I had the money for the payment taken out of my savings account. Every thing went fine for a while, then my mortgage was sold to Chase Bank. To have my payment automatically taken from savings account I filled out the paperwork with the help of a Capital One bank employee, and it was mailed to Chase Bank, by Capital One. I confirmed the proper amount was being taken out when I got my bank statement the next month, every thing was fine. February of 2008 things changed. Without my authorization and without my knowledge Chase Bank or Capital One started taking my mortgage note out of Checking account.
I have always maintained a good amount in my checking, so it wasn't real obvious to me. I made sure money was going in the account and thats what was important to me, I'm a working stiff not a trained banking person, I don't scrutinize bank statements the way a professional would, I missed noticing the change. I had been out of work for the previous four months, my funds were drooping, and I was about to go on a trip with friends (1-7Oct'08)so I made sure I had enough money in my checking to cover expenses for the trip. A week after I got back from the trip( 13 Oct 2008 )I received a letter from Capital One saying that every purchase I made on the trip "bounced".
On Monday I went to the bank and put more money in my checking to cover everything. The bank had paid all my purchases and charged me $32.00 for each NSF. What happened was that my mortgage note, $551.73, was taken out of my checking, unknown to me, this action created a snowball effect down the line and fouled everything up. I went to Capital bank to find out what happened. The bank confirmed that the mistake was theirs, but because I did not catch the mistake sooner, the charges would stand.
That's 23 NFSs times $32.00= $736.00 that the bank is charging me because I didn't bring it to their attention, according to their time frame. This whole thing was brought about by one incident that was not my fault, but the banks fault, but I'm being severely penalized for their mistake. And I don't know how to fight them, this is the first time something like this has happened and it will be the last. Now I have to go back through all the wickets to get my mortgage back on track.
I would greatly appreciate any help or advice to get my money back, I can not afford to walk away from this and lose $736.00 to a cold hearted bank.
The complaint has been investigated and resolved to the customer’s satisfaction.
no customer service
I decided, after making one car payment via automated voice prompts over the phone which lost a transaction to try something different. I set my Capital One Auto Finance account up on my Capital One Bank account to where I could make car payments online to save time and money (so I thought). After making two payments to Capital One on consecutive days (Dec. 20, 2007 and Dec. 21, 2007) I thought my problem was solved. The Capital One bank account showed that the two payments came out of my checking account but they never showed up on my automobile finance account.
All of a sudden, about a month ago, Capital One started calling me saying that I had not made my November payment. When I told the person at Capital On Auto Finance that I had not only paid November but December as well. They asked me if I had any proof of that to which I said yes, I have my bank statement showing that two payments came out of my bank account and went to Capital One. They gave me the fax number and I faxed a copy of the bank statement to them expecting this to take care of it.
Not only did they NOT call me back, but when I called them to see if they had received the fax and taken care of my account the woman told me that what I sent was not good enough. She said that I needed the bank to send a copy of an endorsement or a pipeline report. So I took off early and drove from Oklahoma where I am currently working to Capital One bank in Keller, Texas, got with the operations manager of the bank and she wrote them a letter with dates, transaction numbers, a copy of my bank statement and other pieces of information that should have been sufficient to resolve this problem, but it hasn't.
As of this writing, I have talked to dozens of people at Capital One Auto Finance, including managers, without resolve. Meanwhile, late charges are accruing, my credit rating is declining, my aggravation level is increasing and nobody has stepped up to the plate to try and help me.
I have never had so much trouble giving my money to somebody in my life. I'm wondering if every month with Capital One Auto Finance is going to be a Nightmare with them like this one has been.
The complaint has been investigated and resolved to the customer’s satisfaction.
odd collection practices?
So this notice was sent to a friend, who passed it on to me thinking i'd find it funny... and I do. but it begs the question - has anyone else received such a notice?
=
balance: $xxx. xx
amount due: $0.00
payment (s) past due: 0
dear xxxxxxx,
your account is 0 payment (s) past due and we know that can happen to anyone. if you’re having problems making your monthly payments, we’d like to help. that’s why we wanted to let you know that it’s not too late to put your account back in good standing. and you can now click here to make a payment online.
making a payment of $0.00 by 09/05/2009 will make your account current. this will keep us from having to report your account as past due to the credit reporting agencies.
and remember, the better your credit, the more likely you may be approved for new credit and lower rates in the future. depending on your situation, even a partial payment may help keep your account in better standing with capital one.
we understand your financial situation is unique. but finding the right solution to help you get through life’s little financial hiccups is what our specially trained associates do every day.
so please don’t miss another payment – call us monday – friday, 8 a. m. – 9 p. m. (et), at 1-800-*-* or click here to make a payment online today.
sincerely,
capital one bank (usa), n. a.
The complaint has been investigated and resolved to the customer’s satisfaction.
LOL I havent gotten one from capital one however one day I got a letter from hyvee grocery store and on the letter it said I bounced a check for $0.00 so I have to pay the bad check fee of $30 for a total balance of $30.00 I called the company and the did not know what I was talking about so they said it must be a computer error, dont worry about it. I have never shopped nor do I know what a hyvee is yet they have my info. Long story short tell your friend to be careful of someone using his identity and not call number given on letter but find another phone number to capitol one to verify the letter.
harrassment
My car was totalled on August 21, 2009 by someone who ran a red light. I amazingly was not badly injured because I was hit on the driver's side. I had been paying on time every month including the month of August to Capital One like agreed. I had the car since November 2008. When I purchased the car, I also purchased GAP insurance and of course I had full coverage. My insurance paid everything to Capital One less $1900 which
GAP would be paying the balance.
I have been harrassed at home, at work, my cell phone everyday including Sunday demanding I pay them the balance. It has not been even a month since the accident. It was very scary and something I still have nightmares. They have received the insurance check and know GAP is paying within the next week, yet they are making my life a living hell. They have made me feel like I was the one who caused the accident! Is there anything I can do to stop this kind of treatment?
The complaint has been investigated and resolved to the customer’s satisfaction.
I have an auto loan with Captial One Auto Finance which is one of four car loans that I have, plus a new house loan. We have had the loan for about three years and have never been more then 30 days late. We have been a few days late about 3-4 times during the entire three years. Our most recent experience with this company has been terrible. At this time, we are about 7 days late and have been recieving daily calls from them regarding payment. When we speak with the representative, whose is not even American (from India), they are very rude and seem to not even care about what we have to say. They simply want to know when we are going to make the payment. Incidentally, today we recieved four phone calls from them even after we informed them that the payment had been made. They wanted to know more about the payment; when we made it, how much it was, etc.
What I find troubling about the situation and the company is that, they are recieving payments and have for three years, and yet if you are a few days late, they find it necessary to harass you about getting their money which has never been more then 30 days late, just a few days. Not one of the other three loan companies have ever called us regarding payment. I guess that Capital One has to pay for a college football game. The second problem I have is that the calls are always from India. I guess Americans aren't good enough to work for Capital One. With the economy being in the shape it is one would think that big businesses would try to keep their jobs in the country. I image though that the CEO wouldn't get a big bonus if he had to spend more money to keep jobs here in the states. Plus, sending the jobs to other countries helps establish resentment between the US and the other countires, which is also good business, right.
One thing is for sure. I will never use Capital One again to finance anything. I think that they are rude, inconsiderate, un-American, and nothing more than a money grubbing company.
So, I decided to refinance my auto loan with Capital One. I had been a card holder for 10 years and, based upon my experience, they would be a good partner. Well, I received the loan and paid the bill on time. Unfortunately, the economy made it such that I missed a payment. In addition, I decided that I wanted to pay off the loan ahead of schedule. So, I called Capitalone and agreed to a payment of $ 375.00 on the 2nd and 16th of each month. They would debit my checking account. Mind you, my monthly payment is $ 528.00. Well, then, the phone calls started and increased and the E-mail notifications of "handy ways to make your payment" started appearing. I called them and they kept telling me I was past due. I proceeded to tell them that, in the 2 month period, I paid 1875.00 when only $ 1, 056. was due. No one. Not even the SUPERVISOR understood what I was explaining to them. I had my lawyer send them a cease and decist letter. That didn't work either. I am getting approximately 10 calls a day, . 7 days a week and 2 E-mails each day. They tell me it's an Accounting problem but they cannot, as COLLECTORS, call Accounting. I am not allowed to call Accounting. So, now I am going to write to the hot shots and see if that brings any resolution. In the mean time, I have stopped the payments and will be issuing checks for the EXACT amount of the monthly payment and will send put the extra money in MY bank until such time as I can accumulate enough money to pay off the damned loan. They must hire uneducated people. It's a damn shame.
You people are [censor]s.. Just pay your bills and you won't have anything to worry about. WOW what a weird concept...
1. if u owe cap one auto then is there a chance you owe others? if so then its probably not cap one calling u 10-40 times per day as people claim. I am a current employee of theirs and can tell u all that there are laws in place to keep that from happening..
2. from what you were describing LT sounds like for the entirety of this ordeal you still have yet to pay the month that u missed. While making one monthly payment at a time is great u self admittedly missed one yes? if so then all you are doing is continually running past due and accumulating more interest on the loan for that one month... on top of that if you look at how your loan breaks down your payments are applied as follows:
1. interest is paid first!
2. after interest is paid then comes your principal
this could explain why the system shows that you owe more then you think also by now you have late fees etc... all those are taken into account as well.
Once people get this through their heads the better they will be. What I would do is call, the number is [protected] and ask for a printout detailed copy of your transaction history. This may better assist you in finding out what the accounting "snafu" was. Good Luck!
Tude,
I agree with keeping jobs in america. I am an employee of C0apital One Auto Finance. All i have to say to that is... the CEO is Sanjiv Yajnik...hint hint? Also, we start "courtesy calling" at three days past due, if u tell the rep when, amount, and how payment is being made they will place a promise on the account and get the calls to stop as long as u meet that promise.
Mej,
That is impossible no account may be contacted more then 15 combined attempts over any and all numbers in one business day... if u owe anyone else they may be calling, don't blame Cap One Auto we actually have systems in place to keep that from happening.
I have received more than 25 calls in one day...they use 13 differente areas codes...
We should start a Class Action lawsuit against this company. I think this will get their attention.
You are lucky...I get between 15 to 20 calls per day from Capital Auto finance. starting from 830am and not ending until 9pm, and this is on my cellphone. So my cellphone bill is so high from their daily harrassing calls. I wish there was a way we could sue them for harrassment.
Capital One Auto Finance has hired a investigation company or so called investigation company called CCI and they are unlawfully going to my parents home and digging up information on my personal life. I refuse to give up my car because of fraudulant late fees that Capital One has charged to my account. I have written to COAF to get more information and this is when they hired the Phoenix based company CCI aka Camping Companies, Inc.,
scam charges
I pay my Capital One bill online. I always pay on time. I haven't worked in over a year, so regretfully, I pay the minimum. I don't enter an amount, I just click "pay minimum".
Today I got a notice in the mail stating I was a month behind, so I called. I was told 2 months ago I paid $15 when I owed $16. I was charged a $39 fee, which happened again the next month even though I paid what was posted as the minimum!
I called and said I paid what their website said I owed. The man tolded me the bills and the internet isn't always accurate. The only way to get an accurate amount due was to call Capital One before I make my payment! How is this legal? I've been charged $78 because the website had misinformation.
The complaint has been investigated and resolved to the customer’s satisfaction.
I have been getting daily phone calls from Capital One, regarding a relative. They will not tell me what the issue is, they just ask for this person. More recent calls have not even asked for the relative, I say hello one or two times, then they hang up. Capital One is calling my work cell phone! The relative does not live with me, and I have no business in this person's life. When I called to complain, I said these calls could be considered harrassment...the manager I talked to in the Philipinnes said it was more unethical!
repo man discloses my finance information to third party
Capital one without sending any notice of default sent a repo man to get my vehicle. On there second attempt to repo the vehicle, they banged on my front door at one in the morning and then they proceeded to disclose detailed information about my payment history and told them that i was a liar. And i don't think they had a right to disclose that type of information. If anyone knows what if any claims i may have against them. They have called claiming to be a real estate agent the next day i receive regular payment due notice with remittance stub, no mention of any default or requirement to cure a default.
The complaint has been investigated and resolved to the customer’s satisfaction.
Capital One hired a CCI company who claims to be an investigation company to tap into my personal life. CCI is a repo company in AZ called The Camping Companies, Inc. They have no lawful authority to take your care unless there is a court order and they cannot trespass unto your property without your permission. They cannot lie about who they are. Contact your attorney general and write to them immediately.
will not remove from credit report
I don't understand why Capital One keeps applying penalties and interest on an account that they charged off over 9 (nine) years ago. Isn't there some type of statue of limitations for consumers and their credit when almost ten years has passed? Well apparently not for Capital One, because they keep updating this same, old, closed, charged-off account on my report and I need to know how to STOP them...Someone please help me.
Signed, desperate in Texas
The complaint has been investigated and resolved to the customer’s satisfaction.
unauthorized credit checks
I did an annual free credit report and found 3 inquiries from Capital One Auto Finance listed on my credit report in the past year. I did not apply for any type of loan from Capital One. I called the 800 number I found online and was told that unless I gave them my social security number they could not help me. I refused to give them my social security number and asked to speak to a supervisor. I was then transferred to a voice mail. I left a message but still have not received any call back.
I just want to warn others that this company seems unscrupulous in it's policies. I did have a Capital One credit card about 10-12 years ago and they charged me a late fees which then placed my account over limit thereby adding ridiculously high overlimit fees. I paid them off and shredded the card.
My advice is to anyone reading this, Do not deal with Capital One for any type of loan or credit card and be sure to check your credit records regularly.
The complaint has been investigated and resolved to the customer’s satisfaction.
they could have been doing a soft check as well to pre qualify you for a card. like the other person said, write a letter to the credit bureau see what happens. Good Luck
I would write a letter to the company you received the credit report from, hopefully it was either one of these; equifax, experian, transunion, to see if you can have to removed. Good luck
title to car
My name is Yvonne Taylor-Rice, my address is 2423 larose ave memphis, tn telephone # is [protected]. I have made several attempts to contact Capital One Auto Finance in regards to the title to my car. In 2/23/2005, I was unter chapter 13. I have my paper work from the courts were Capital One Auto Finance requested $4, 923.45 as the amount that I owe them on my car. This amount was paid to them in full. No additional amount was filed by them. I have to this date never received any other billing from Capital One Auto Finance. Paid in full means paid in full. If I owed any additional money why was it not filed? I have documentation on all of the above information.
In addition to the problem of being unable to get my title for my car. They have made my credit rating not in good standing, therefore I am unable to purchase a new car. I had to repair my car several times, spending money that I could have used to put down on a new car. I need some type of resolution to this problem. I also have a cell phone where I can reach, it is [protected]. All I am trying to do is purchase a new car under this old car law which ends by the end of September. I need my title and my account cleared on my credit report.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am in Louisiana and also am trying to get my title for my car after bankruptcy was completed and Capital One was paid off.
I have sent letters and a copy of my registration to many addresses that were listed online and also sent an email but I have
not heard from anyone yet. Why is it so difficult to contact a consumer who has paid you off and would just like to have their title
to their vehicle?
I forgot to mention that they also gave me false information regarding the location of my car. They informed me it was in md, so when I returned to maryland they later told me sorry they made a mistake, the car was still in the other state. I fully believe they did this so they could hold me up and auction the car to give me a deficiency balance. They are the most miserable business entity, this only verifies that greed and money does not bring happiness, only heart attacks.
They clearly displayed unreasonable harassment and unethical actions.
call all 3 credit reporting agencies and the bbc, as long as you have all the verifications to support your claim, they will correct this.
then sue them, they are all about fraud from start to finish, they tried the title scam on me, called me at least 10 times a day for 2 years. paid a creepy repo man to follow me almost 100 miles out of state to take my care in the midde of the night from a resort.hotel for a $2000 loan which is about equal to the value of the car which was only 30 days late, had made a payment the day before they illegaly repossessed my car.
I am suing the hell out of those freaks.
Hy, I'm from NJ and l now im havin nightmare with this ### of capital one auto finance, like 40 days ago i had ben paid the total of my finance, so a had call them to conform that my title is gona be in my door an 1 week, so they said of course, and i was wait the frist 2 weeks and nothing again, I call them to see what's going on, they said that i have to wait cause they have to prepaired every papper work, and i said ok, what can i do, wait...now i call them everysingle day to claim about the title and I'm stil have a problem e to get my title for my car, I have never had so much trouble having busines with a bank in my life. capital one autoloan bank, costumer service and title department is the worst that l see in my life, hopefully tha bank get bankruptcy like others, and I m not gonna feel bad for the people who working there, because the bank is a piece of crap, and the workers is the same ###...they dont help, who pay they salaries.(MANADA DE IMCOMPETENTES)
auto loan paid off?
We had a 66 month contract with Capital One Auto Finance which began with the first payment due on 11/1/2003. Somewhere along the way (hurricanes and evacuations/no power or phones) the contract was extended to 68 months. On June 1, 2009 I knew that my balance was $1138.47 plus $643.76 for the late charges that we had accumulated over the course of the loan. I had been paying my $559.99 payment to them on line or through my bank since 2005. On 6/19/09 I went on line and Capital One was stating that my payment of $559.99 was due on 6/1/09. I paid the $559.99. After this payment had cleared my bank account I went back on line and Capital One is now stating that on 6/1/09 another payment of $559.99 was due and now the total due on the account is $589.76. This amount did NOT include the late charges. I called Capital One Auto Finance and was told that my contract had expired on 6/1/09 and that I was required to pay the entire $1138.47 and I had only paid $548.71 toward that amount ($11.27 had been applied to interest). I asked this agent that if we indeed did owe them $1138.47 on 6/1/09 why, when I went on line to pay our June payment did it not state that my 6/1/09 payment due was $1138.47 instead of the $559.99 that the on line account wanted for payment. I was told that my payment was applied to interest first and then to principal. I then asked why I still owed money on a loan when I had made all of my 66 payments. I was told that the additional $589.76 that I still owed was interest accrued (on a daily basis) over the course of the loan because I didn't always pay my payment on the day it was due. I agreed to pay them the $589.76 on 7/20/09 and on 8/20/09 I would pay the $643.76 in late charges. I received two sets of transaction history reports, both of them showing that my loan balance due was $589.76. On 7/20/09 I paid the loan balance due of $589.76 on line. On 7/25/09 I went back to Capital One's web site and my balance due is still $589.76 but my payment history shows that my payment of $589.76 was received on 7/20/09. I sent them a message on their web site asking why, if I paid the $589.76 on 7/20/09, was my balance owed still $589.76. Their reply on 7/26/09 was that they took my $589.76 and applied it to my late charges. I still owe them the balance of 589.76, interest on the 589.76 of 9.45 plus $54.00 in late charges.
They took my loan balance due payment and applied it to late charges because that way they could still charge me interest on the balance due. They can NOT charge interest on the late charges but they can on the balance due. Their payoff figure is only good until 8/5/09 whereupon they can, on 8/6/09 start charging me more interest on the loan balance due figure of $589.76.
Can I legally get them to reverse where they applied my 589.76 so that they can NOT charge me interest?
Susan Linton
[protected]@yahoo.com
The complaint has been investigated and resolved to the customer’s satisfaction.
Just paid off my car loan. I purchased a car last July 17 and paid it off, with $2000 of interest. Have two credit cards with Capital One, If you pay on time you will not have any issues.
My wife and I have made every payment on time and most of the time payed extra. Got someone to buy vehicle from us for payoff after my wife lost her job a year and a half after loan origination. I called to see what the procedure was for paying off vehicle the fastest way so I could transfer the title to new buyer. Called four times to make sure what I had been told was accurate and every customer service rep. said the same thing; pay with certified funds, send it overnight and title will be released in five business days! So the buyer gives me a cashiers check(certified funds), we overnight to Capital One Payment Processing in Monterrey Park, CA, called two days later, [protected], to see if they had gotten it and when it will be processed and title released, some foreigner tells me that since its certified funds it will take 7 to 10 days to process. I'm like WTF? Then I begin to explain to her what the customer service rep's. had told me and all she can keep saying is, "I apologize, but they were misinformed." I speak to her supervisor, who is also a foreigner tells me the same thing! I don't want your apology, I want the title to the vehicle I just overnighted a cashiers check for. Then she says, "After they process it, it will take another five days to release title." OMG! 15 freakin days when I was told 5? REALLY? By this time all I can do is cuss this ### out! How hard is it to follow your own policies! I will never deal with these idiots again; once they release my title! I foresee this going to litigation, bunch of stupid, foreign, unethical, asinine crooks.
MAY GOD HAVE MERCY, if you get a loan through Capital One Auto Finance.
Everybody's comments sound like what were getting ready to go through. Were down to the end of our payments, but being told we
owe more than the term agreement, But i have not seen anyone answer if there is any legal action that you could take.
Someone please answer if we need to get an attorney. thanks
I had a loan that was always paid on time. When the residual balance was 1540.59. I called to verify the pay off amount - they confirmed it was correct if paid by due date. I made the payoff before the due date. Expected to see the vehicle title the following month, received another bill stating "14.03 due with an account balance of 13.99"? promptly paid another $15. The following month no title rather another bill "14.12 due with a 14.07 balance" All the checks have cleared and these guys are fools and crooks. Now acting BBB and an law firm to extract a title for a car that was paid off. Capitol 1 Auto Finance Crooks to the core!
Thank you! We will try this and keep you posted!
We had a 72 month auto loan with this bottom feeder company back in 2006 (had to go with them because of another bottom feeder self insured workers compensation company). We had our payments automatically set up through our bank to be paid every month, and they were. At one time, we were 2 months ahead, because of making an extra payment when we could. They called on Oct. of 2012 congratulating us on meeting the obligation of the loan. Since that call, we get many harassing phone calls daily, telling us to disregard that phone conversation, and that we owe anywhere fron 975.00 to 1300.00 (can't get their story straight). They said that they found one payment not made, changing from in 2006 to June of 2012, to October of 2012. They also said there was a deferment from 2006 or 2008 "they are not sure". What they are probably referring to was way back when they said a payment was not made, and my bank had the proof that it was, and even spoke with them on the phone during a three way conversation. I called and called about the "late fees" on this pseudo skipped payment that turned into a late payment. I also wrote notes regarding it on their inaccurate statements until they stopped sending us statements. Bottom line is that we financed a 16, 000.00 truck and on our original paperwork stating that with interest would be paying little over 20, 000.00, and we have paid them almost 35, 000.00 and cannot get our title. We speculate they will claim we will never have them paid in full. They even changed the original paperwork to my husbands loan to my loan. There is a lawyer that will look at the records for a discounted cost of 40.00, then submit other charges from there. It is a sin that our honestly earned income helped bail these criminals out, and they are still calling the shots. What type of attorney could help assist us in obtaining our title?
I got a auto loan with Capital One February 2006. Over the course of the loan, I took advantage around the holidays of deferring some payments. This pushed my loan mature date back to June 21, 2012. Around the beginning of June, I called Capital One to see if I could possible get an extension because if I paid my regular payment, $584, I would need until Sept. 2012 to pay off loan. The agent was very nice and even told me as long as I set up automatic payments for my June, July, Aug. and Sept. payments then I would be fine. No late charges would be assessed. Then noticed that he could only to 3 out at a time and told me to call back to set up final payment. After June payment came out and July rolls around, I get a letter from Capital One stating that if I didn;t pay balance in full that my vehicle would be repossessed. Called Capital One and this agent told me this was a letter basically stating that if I don't follow through with payment arrangement my vehicle would be repossessed. After July payment came out I called back to check on status because repo letter scared me. This agent tells me that the first agent had not businesses telling me that I was granted a 3 month extension because they don't do that, but needed to set up my final payment to avoid the repo. She could not promise me my credit would be affected. Checked my credit the end of July, and I am now 30 days late. Called Capital one. Even got a late charge on account. Agent removed late fee because she didn't know why it appeared because I was not late due to extension. August payment comes out and I get a 60 day late on credit report, but no late charge with Capital One on account. Sept. payment comes out paying loan off in full and now a 90 day late appears on credit report. I have disputed this with Capital One 3 times and each time they tell even though no late charges appeared on account, it was still late and there is nothing that can be done about it. What rights do I have and what should I do?
codan7225@yahoo.com
Listen, I have been dealing with Capital One for the same amount of time, maybe a year longer. Our loan sounds exactly like ours except the dollar amount. My husband is not a very good money manager. We have separate checking accounts and I am solely responsible for making sure that rebuilding our credit is my department. I pay all our bills early (generally the day I receive the bill) it gets paid. Anyway, my husband used to allow Capital One to automatically withdraw his monthly car payment from his checking account until last March, 2011, when I had him pay a one time $30 fee at Security Bank (his bank) to rescind this automatic authorization. A couple of months ago, my husband was doing his daily banking and discovered that he was bouncing checks right and left. He said he hadn't written any checks, and he knew where his balance was supposed to be after he put his paycheck in. Long story short, if anyone rescinds Capital One's authorization to automatically debit your account for a car payment, make sure that your bank honors this legal document. They have been allowing Capital One to take the car payment out on the 3d of the month. I pay this car payment on the 16th of every month from my online checking account at another bank. Anyway, not only is Capital One breaking a federal law by continuing to get their hands on his money and me making a payment two weeks later, they are greedy sons-of-@$(hes! I have talked with his bank and they supposedly have this resolved now...but Capital One is charging my husband a $25 NSF fee and a $25 late fee because they now cannot take it out on the 3d of each month. If anyone USED to pay their car payment this way and changed it for whatever reason, please, please, please...go into your online account and check your statements and make sure that they haven't got a little top heavy on Capital One's end...and less on your end. It is a federal law and if they try to dodge this notice next month...really I am ALMOST HOPING THEY DO TRY TO DO IT AGAIN then maybe someone will finally take notice of my ongoing persistent complaints regarding Capital One's sleezy business behavior and their ruthless ways of conducting business. I am currently trying to track down the last six months since this was put in place and see how many times they have gotten away with this and we just happened to catch onto it two months ago! My husband is not a very good money manager and relies on my persistence in getting the record straight and paid according to original terms. We even pay more than what originally was in the loan payment amount...but, I cannot wait until we can pay off this note and I hope I am dead in my grave before ever coming cross dealing with Capital One ever again. BUYERS BEWARE...CHECK YOUR ACCOUNTS. I also tried to check his loan account (Capital One) online, but got locked out because I tried one too many times ... and do you think they are going to help me in anyway to reactivate this account? I think I will try to set it up again and go look. They started charging late fees from the very first day the loan was authorized thru the car dealership (big mistake there)...you know how you have a month until you are required to make your 1st car payment (after the initial sticker shock) and dealings...they started the late fees since the day we signed the loan agreement. I will not go quietly into the night until this is resolved...this is my mission in life to get my justice (not necessarily revenge ) and make Capital One Auto Finance honor a legal binding agreement. I will not give up until I am satisfied that I owe no more than I am legally responsible for and nothing more! Thanks for letting me vent...sometimes, I just have to go to the shout out board and let loose. If anyone ever learns anything by being associated with Capital One...you appreciate the important of safeguarding your credit...it is as pure as one's virginity!
I cannot agree more. Capital One is ruthless and unscrupulous...we used to have the monthly payment taken out of my husband's bank account...and 16 days early to boot! Then he changed to a new bank and I stopped the automatic debit from his account in March, 2011. Well, low and behold, he couldn't figure out why his account was always overdrawn and NSF fees being charged. He paid the bank $30 to stop Capital One being authorized to automatically help themselves as it were. I pay them on the 17th of every month (the original due date) and I also pay a couple of dollars more a month despite the loan agreement. Well, low and behold, despite Capital One being notified that they no longer had authorization to take the automatic monthly car payment out (this was March 2011) this is September 2011...they continue every month to take it out and the bank has been caught not honoring their own legal notice to cease transactions. Capital One receives their payment ON TIME in FULL AMT and they charge us a $25 late fee for NSF fees, as well as my husband's bank charging him $30 for NSF fees. Totally unacceptable. I am trying to figure out just how long this has been allowed/going on because he throws away his statements. We have separate accounts, he doesn't know how to manage money. I am the bookkeeper regarding all the household bills. Just want you all to be on the look out if you had automatic withholding for your car payment and you thought you paid to cancel that authority ... you might want to check your bank's records and make sure that no funny business has been going on. OR you may owe less than you think! But since we are all here and we all deal with Capital One, we know that can't be the case...they never cheat themselves now do they!? I am waiting on a PI settlement and want to pay them off, but I am going to have my attorney handle this for us because I have read on the Complaint Board that people who paid off their loan, had an extremely difficult time in receiving the title to the vehicle, if they ever did! I will hopefully be dead before I ever have to deal with this outfit again!
When you receive any statement from a legitamite company that bills you for an account, it clearly states the amount that is owed with late fees. Also, late fee amounts are stated at the time of purchase of vehicle. If you pay any account late * (If there is a late fee) that amount will be noted and requested with payment. When you send your payment including that stated late fee, it should be clearly used as such. If it is your intention to send $21. 00 to be applied to principal then there would be no need to add it as a late fee. I can clearly distinguish a late fee from a principal payment, there is no way i would send a $21. 00 payment to be used on the "principal". Especially when billing statement clearly states that a $21. 00 late fee is due and added to current payment due. I always indicate how much i am paying and why! That's how i handle my business. Capital one auto finance deliberately does not post late fees in order for it to accrue and they make profit! Don't just wash your hands of any unfair situation, make others aware and contact others to try and make a difference! (Businesses can make a profit with out ripping off consumers)
interest accruing on a 0% offer
I recently took advantage of a 0% balance transfer offer on my Capital One card. My card had no balance on it prior to the transfer, so I thought it would be a good deal. After the transfer, it started accruing interest. I emailed the customer service on their website, and I got a response confirming I have 0% on balance transfers. That didn't answer my question, so I asked again why there is interest accruing when there is 0% interest. I got the exact same response, down to the letter. They didn't even read my email. Then I called them. A guy who spoke poor English did not have the answer. He tried to explain the interest was from past purchases which had long since been paid off. It still made no sense to me, so he tried to transfer me to someone else but in the process, he disconnected me. I emailed them again asking to please explain why my balance transfer is accruing interest. I got no reply for four days. Enraged, I just paid off the balance, and the very next day I got an email back saying there is no balance on my account so they don't know what I'm talking about. It's astonishing to even think about their complete disregard and reckless faulty advertising they provide their customers.
The complaint has been investigated and resolved to the customer’s satisfaction.
i took advantage of a 0% interest offer from Capital One 2 years ago, when I accepted the offer it was for 12 months. during the 12th month I recieved a letter from Capital One stating "...we have decided to renew your promotional rate period. You'll continue to enjoy the same promotional purchase rate you are paying today until January 2011." In July 2010 I began recieving interest charges on the account so I called the company and after talking with 3 reps I finally got an interest credit, only to have to repeat the whole cycle every month for the next 3 months. Last month (October) I went through the whole thing again, including being disconnected, and did not recieve a credit. The rep I spoke with gave no regard whatsoever to the letter in my hand. There surely should be some stiff penalty for false business practices of this sort. Will I stay with Capital One? - Why not pay interest to a company that will be straight up honest about the interest charges to start with?
calling me on my job!!!
On July 28, 2009 a agent from Capital One Auto Finance called me on my job. The last time I checked it was against the law for a company to call someone on there job about a late payment.
The complaint has been investigated and resolved to the customer’s satisfaction.
There is not a law stating they cannot call you while you are at work. If you owe them a debt, they can call whatever number you provided them with at the time of application, including your job. Although there is not a law that prohibits them from calling you, if you tell them you cannot take personal calls at work the calls should stop.
If you dont want to be called at work dont give them your work number. If you have no other choice but to give your work number, give them your work number than call customer service to have the number removed.
Your wrong. A creditor is allowed to call you at your work.
hold lien of paid off vehicles too long
I have paid my Capital One Auto Loan in full, having never missed a payment in nearly 4 years, and sold the vehicle. Now, they say they cannot release the Lien on the vehicle as I used "unsecured funds" to pay off the loan. I paid the loan at their web site, using their system to draw the funds electronically from my account. The money is gone, and I have...
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About Capital One
Capital One's mission is to help people succeed by providing innovative financial solutions and exceptional customer service. The company offers a variety of credit cards, including cash back, travel rewards, and business cards, as well as personal and business loans, auto loans, and home loans. Additionally, Capital One provides online banking services, mobile banking apps, and investment products.
One of the key features of Capital One's products and services is their focus on simplicity and transparency. The company strives to make banking easy and accessible for everyone, with clear terms and conditions and no hidden fees. Capital One also offers a range of tools and resources to help customers manage their finances, including budgeting tools, credit monitoring, and financial education resources.
In addition to its commitment to customer service, Capital One is also known for its innovative use of technology. The company has invested heavily in digital banking solutions, including mobile apps and online banking platforms, to make banking more convenient and accessible for customers. Capital One has also been a leader in using data analytics and machine learning to improve its products and services, providing personalized recommendations and insights to help customers make better financial decisions.
Overall, Capital One is a trusted and reliable financial services provider that offers a wide range of products and services to meet the needs of consumers, small businesses, and commercial clients. With its focus on simplicity, transparency, and innovation, Capital One is well-positioned to continue to grow and succeed in the years ahead.
1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.
2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.
3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".
4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:
- Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
- Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
- Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
- Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
- Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
- Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.
6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.
7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.
8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.
9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.
Overview of Capital One complaint handling
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Capital One Contacts
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Capital One phone numbers+1 (800) 481-3239+1 (800) 481-3239Click up if you have successfully reached Capital One by calling +1 (800) 481-3239 phone number 5 5 users reported that they have successfully reached Capital One by calling +1 (800) 481-3239 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 481-3239 phone number 4 4 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 481-3239 phone number11%Confidence scoreUSA and Canada+1 (877) 383-4802+1 (877) 383-4802Click up if you have successfully reached Capital One by calling +1 (877) 383-4802 phone number 1 1 users reported that they have successfully reached Capital One by calling +1 (877) 383-4802 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (877) 383-4802 phone number 8 8 users reported that they have UNsuccessfully reached Capital One by calling +1 (877) 383-4802 phone numberGeneral Customer Service+1 (800) 227-4825+1 (800) 227-4825Click up if you have successfully reached Capital One by calling +1 (800) 227-4825 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 227-4825 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 227-4825 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 227-4825 phone numberCredit Card Accounts+1 (800) 867-0904+1 (800) 867-0904Click up if you have successfully reached Capital One by calling +1 (800) 867-0904 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 867-0904 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 867-0904 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 867-0904 phone numberSmall Business Banking Products+1 (888) 810-4013+1 (888) 810-4013Click up if you have successfully reached Capital One by calling +1 (888) 810-4013 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (888) 810-4013 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (888) 810-4013 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (888) 810-4013 phone numberCapital One Bank Products+1 (800) 289-1992+1 (800) 289-1992Click up if you have successfully reached Capital One by calling +1 (800) 289-1992 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 289-1992 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 289-1992 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 289-1992 phone numberCapital One 360 Products+1 (800) 946-0332+1 (800) 946-0332Click up if you have successfully reached Capital One by calling +1 (800) 946-0332 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 946-0332 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 946-0332 phone number 31 31 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 946-0332 phone numberAuto Financing+1 (877) 464-2151+1 (877) 464-2151Click up if you have successfully reached Capital One by calling +1 (877) 464-2151 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (877) 464-2151 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (877) 464-2151 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (877) 464-2151 phone numberHome Loans+1 (866) 435-6299+1 (866) 435-6299Click up if you have successfully reached Capital One by calling +1 (866) 435-6299 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (866) 435-6299 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (866) 435-6299 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (866) 435-6299 phone numberHome Equity+1 (800) 926-1000+1 (800) 926-1000Click up if you have successfully reached Capital One by calling +1 (800) 926-1000 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 926-1000 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 926-1000 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 926-1000 phone numberPersonal Loan+1 (855) 780-5047+1 (855) 780-5047Click up if you have successfully reached Capital One by calling +1 (855) 780-5047 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (855) 780-5047 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (855) 780-5047 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (855) 780-5047 phone numberInvesting Products+44 800 952 5267+44 800 952 5267Click up if you have successfully reached Capital One by calling +44 800 952 5267 phone number 4 4 users reported that they have successfully reached Capital One by calling +44 800 952 5267 phone number Click down if you have unsuccessfully reached Capital One by calling +44 800 952 5267 phone number 22 22 users reported that they have UNsuccessfully reached Capital One by calling +44 800 952 5267 phone numberUnited Kingdom+44 344 481 4814+44 344 481 4814Click up if you have successfully reached Capital One by calling +44 344 481 4814 phone number 1 1 users reported that they have successfully reached Capital One by calling +44 344 481 4814 phone number Click down if you have unsuccessfully reached Capital One by calling +44 344 481 4814 phone number 25 25 users reported that they have UNsuccessfully reached Capital One by calling +44 344 481 4814 phone numberUnited Kingdom+1 (800) 304-9102+1 (800) 304-9102Click up if you have successfully reached Capital One by calling +1 (800) 304-9102 phone number 0 0 users reported that they have successfully reached Capital One by calling +1 (800) 304-9102 phone number Click down if you have unsuccessfully reached Capital One by calling +1 (800) 304-9102 phone number 0 0 users reported that they have UNsuccessfully reached Capital One by calling +1 (800) 304-9102 phone numberCapital One Recruiting
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Capital One emailscapitalone@capitalone.com100%Confidence score: 100%Supportdavid.musial@capitalone.com94%Confidence score: 94%julia.greco@capitalone.com94%Confidence score: 94%caroline.finnell@capitalone.com94%Confidence score: 94%fabrice.guillaume@capitalone.com94%Confidence score: 94%Managementdamon.reed@capitalone.com94%Confidence score: 94%Executivekevin.michel@capitalone.com94%Confidence score: 94%james.partridge@capitalone.com94%Confidence score: 94%Executive
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Capital One address15000 Capital One Dr., Richmond, Virginia, VA23238, United States
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Capital One social media
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Checked and verified by Laura This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreNov 12, 2024
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LESLIE CHARLES GILROY (corrupt cop)
in company with
LLOYD STEPHEN GANZERLA
BELINDA JANE GANZERLA
EUGENE CLEVELAND GANZERLA
TRACEY ANNE GANZERLA
and others, robbed my wife and I
See the whole story here
http://austlawpublish.com/forum/viewforum.php?f=2