Capital OneReviews 967

Thanks to an ill-fated flirtation with a company called Asian Date not only was I scammed but ridden down to the ground like a rodeo calf with fees, charges, and credit card debt thanks to a fraudulent illusion!

When I finally realized that the little Chinese princesses that wanted me so badly were just staff writers probably getting commissions for writing letters and getting replies I contacted Capital One customer service and told them what had happened. They weren't very optimistic about being able to help but they did allow me to send evidence of the Asian Date scam. Luckily after months, numerous letters, phone calls, rebuffs, and finally the question of criminal fraud by Asian date getting pushed up to their corporate services division I got a response, a conscientious employee who fought for me, and they refunded all charges and cleared my credit record. They did send 2 checks to me that I had to disregard that were supposed to be kicked out automatically by the system, but after getting the cleared up and telling them I would take legal action for having been sent checks they would not honor, I at least got the debt cleared and the balance removed from my account with my charge privileges restored.
Advice: Whoever you do business with check reviews online. 2) Do not trust or do business with Asian Date, China Love, Charmerly, Asia Charm, or any other of the Russian owned Asian dating or overseas bride service clones all created by the same bloodthirsty vampires who would exploit you like a blind prostitute in a whore House!

I had a Capital One saving account which was converted into a debit card. I later learned they were applying the payments on the account as debits and not credits. The amount I was paying was increasing the balance not paying it down. They and I debate about this for months so to get them off my back I borrowed money from a friend to pay the balance in full although I had made much more than the minimum payment each month and had not used the card. Instead they closed the account and turned it over to a collection firm which somehow 500.00 dollar balance has ballooned to 10,000 in the last 15 years. No one still hasn't explained how that happened. It makes no sense at all in no form of legality. They kept the deposit and my payments and plus turn it over to a collection agency when it was they who owed me money back. Not the other way around.

In February 2017 a person in Fort Worth, Texas, bought a blender at Office Depot and charged it to my credit card without my knowledge or consent. I have had numerous contacts with Capital One about this, and yet the charge remains on my account (5 months later), and each month a late fee and interest is added to my account. Capital One knows the name of the person who charged the blender; Office Depot knows the name of the person, yet I am saddled with the charge. I will never knowingly do business with Capital One again nor will I ever darken the door of an Office Depot. This has been a 5 month nightmare, and I fully expect it will continue.

Sometimes it is hard to believe I am calling a real credit card company when I have dealt with multiple employees that are so unprofessional that when there is a language barrier that is severe enough that it requires asking them to repeat themselves that they in return pretend they are not on the line and even hang up. Multiple times I have called with simple inquiries and am on hold for 20minutes or more while they " check" their system. The last person I spoke to was "JB" that was the only information he would give. No customer service representative number or anything and when he couldn't answer my questions he decided to hang up on me. He did this after twenty minutes of pretending he could not hear me as I asked him to repeat himself. Also in the past I was escalated to the top level of management and left her multiple voicemails to NEVER have my calls returned. She did however send me a letter apologizing for the customer service issues and encouraged me to call if I needed help- only to never answer or return my calls when I called her. If there is any other option for your credit - CHOSE another company!

Cap1 decided they no longer want to manage IRA accounts, so I made the arrangements to have mine transferred to my regular bank. I just got a letter from Cap 1 that simply states my account has been closed and if I have any questions, call them. Lots of helpful info... right? So I called to find out when my funds were sent out and how. Turns out the cheap greedy morons sent it SNAIL MAIL! 7 to 10 biz days to reach my bank! NO TRACKING INFO! Given how messed up USPS service is, there is no telling where it is, when or even IF it will arrive! Too cheap to Fedx it or even send it Priority. All the money Cap 1 has and this is the terrible customer service they give? I will NEVER use them again for ANYTHING!

I have been a Capital One customer for many years and have enjoyed great rewards and pretty good service. The customer service experiences have been positive as a whole. Have never had any problems with reporting fraudulent charges and with charge backs. Sometimes it takes a little big longer than I would expect to report some problems and to clear up automatic blocking of my card for unusual activity.

Biggest complaint I have with the credit card online system (and the reason I cannot rate this website as "Heart") is that I cannot schedule automatic monthly payment to pay on the due date and for the total amount. (I can only schedule for a set date each month for a set amount which seems really stupid to me. With American Express and Chase credit cards, I am able to schedule full or minimum payment on the due date each month automatically.)