Capital One Blows! January 13, 2009, 12:23:37 PM So, I'm sitting on my couch and I receive a phone call from the Capital One payment office stating that they had not received my loan payment. Considering I dropped the check off in person to the local branch 11 days ago as I've done in the past, I found this disturbing.I call MY bank that I wrote the check from. It cleared January 6th.....I go to my bank and obtain a printout of my account activity and a copy of the cashed check and fax it to Capital One. Now I'm calling to confirm the fax was received and of course, no one can seem to give me an answer either way.Also it should be noted, Capital One has not sent me a bill since SEPTEMBER and I have paid them every month....What's more is that they changed the account number in NOVEMBER!!!!! I just found that out because of all the phone calls I've just made! [SIZE="6"]WTF! [/SIZE]According to one of their phone rep.'s it's possible that since I wrote the old account # on the check it will take longer to process, but this is ridiculous. I've been dealing with this nonsense for 3 hours now and just needed to vent. Apparently I am not alone as the call volume for their customer service is through the roof. For those of you with a Capital One credit card or loan account, I would suggest calling to make sure they haven't fVcked up your account and payment info The # is 1-800-926-1000 Quote Selected
Capital One Blows! Reply #1 – January 13, 2009, 12:34:49 PM That sucks, Paul. I've never heard of a company switching account numbers unless either the customer requests it (security breach, stolen card, fraud, etc.) or the customer closes one account and opens another. Strange.Never had any issues with my Citi Platinum Select or American Express cards. There was a fraud case about 4-5 years ago that AmEx took care of immediately. Their customer service, for me, has been exceptional; in fact I'd rate them right up there with Apple as far as taking care of my issues promptly, correctly and accurately.Might be time to think about a different company, Paul. Good luck with the resolution.What's in YOUR wallet, indeed... Quote Selected
Capital One Blows! Reply #2 – January 13, 2009, 01:07:58 PM They're too busy counting their bailout money to be bothered with the likes of customers! Sounds like you need another credit card company.... too many of them out there to waste time messing with that. Quote Selected
Capital One Blows! Reply #3 – January 13, 2009, 01:11:38 PM I had a run-in with Capitol 1 myself a few years ago. I had a credit card with 'em, and got tired of paying monthly fees with so many free cards available. I think it was Capitol 1's own "Hands in my pocket" commercial that gave me the ambition to call and gripe. I called 'em and they told me they could remove the fees for three months, but that's it. Immediately after the phone call I went online and paid the card off in full. A few days later I checked my balance and it was "0", so I called C1 to cancel the account. The person on the other end asked why and I told him. He then cancelled the account....Or so I thought. A month later I get a bill. The bill shows that I'd paid it off, but then they took another month's fees AFTER I had closed the account. I called again. The representative recorded my concerns, then reversed the fee and told me the account was closed. ...Or so I thought. The next month comes, and there's a new bill. The fee from last month is on it, plus a new fee, plus a late payment charge because I didn't make last month's payment! I went off the deep end this time and called again. Supposedly got it all straightened out again....Or so I thought. The next month... well, you get the idea. Only this time there was an "urgent reminder" that my payment was overdue. And so it went on for six months!!! It was only after threatening legal action that they finally reversed all of the charges and closed the account. I had to get a credit report done to see whether they'd done any damage to my credit rating (they hadn't, else hell would have been paid).So yeah, Capitol One sucks ass. Been happy as hell ever since with my CIBC Visa... Quote Selected
Capital One Blows! Reply #4 – January 13, 2009, 01:52:34 PM Yeah I had to get rid of them. I sent a payment into them 7 days before it was due and still got a late fee on my account. No holidays involed either... Quote Selected
Capital One Blows! Reply #5 – January 13, 2009, 01:52:47 PM whats in YOUR wallet?:D Almost makes me as sick as the Allstste commercials....are you in good hands. Hell no, just ask all the peeps in Fla and La if they received their checks for the hurricane(2004). Or how many people Allstate refused to renew despite never having a claim.:flip: to the man i say. Quote Selected
Capital One Blows! Reply #6 – January 13, 2009, 02:00:45 PM Carmen, that sounds a lot like what Angela and I are going through with Royal right now. We closed all of our accounts but one in October, and switched to Scotia to save on fees and get a better rate (our Visa has 3.5% for 3 months, and then only 7.9%). Brutal. They keep charging us the fees, sending us notices and calling us about making payments for November and December. Ange dealt with the November round, getting the charges reversed and then having the accounts properly shut down AT THE BRANCH! This friday I got a call for the same thing and kind of lost my shiznit on the guy. He tells me all of our accounts are still active, I gave him the low down and told him that he should be talking to my branch to get their own shiznit worked out. We're waiting for round three in February. Quote Selected
Capital One Blows! Reply #7 – January 13, 2009, 02:59:40 PM Chase has been playing me for the closed account/ reversed fee/ new fee/ closed & reversed fee thing for about 4 months now. It's not cool. Quote Selected
Capital One Blows! Reply #8 – January 13, 2009, 03:06:55 PM Quote from: oldraven;251514Carmen, that sounds a lot like what Angela and I are going through with Royal right now. We closed all of our accounts but one in October, and switched to Scotia to save on fees and get a better rate (our Visa has 3.5% for 3 months, and then only 7.9%). Brutal. They keep charging us the fees, sending us notices and calling us about making payments for November and December. Ange dealt with the November round, getting the charges reversed and then having the accounts properly shut down AT THE BRANCH! This friday I got a call for the same thing and kind of lost my shiznit on the guy. He tells me all of our accounts are still active, I gave him the low down and told him that he should be talking to my branch to get their own shiznit worked out. We're waiting for round three in February.Huh, must be a RBC thing, because I had a similar issue there, too. When I bought the house I closed the RBC account I had in Sackville because it's a 40 mile drive to the nearest branch from where I live. I did that in person, too, and went through a couple of "false starts" with the closing before they finally actually closed it. I did all of those dealings in person, though, unlike the C-1 account issues.Seems like it's not just C-1. All banks, it appears, suck. Quote Selected
Capital One Blows! Reply #9 – January 13, 2009, 03:38:28 PM Quote from: blu84302;251517Chase has been playing me for the closed account/ reversed fee/ new fee/ closed & reversed fee thing for about 4 months now. It's not cool.Me and my wife had similar issues with Chase as well. It became a monthly routine until we switched banks. They were shocked that we actually had the nerve to switch banks. Not to mention she's STILL getting past due mortgage statements for a house she short-sold back in July 08. I have yet to find a bank that I actually like, just a few I can tolerate for a while. I swear they think they own your money. Quote Selected
Capital One Blows! Reply #10 – January 13, 2009, 03:44:24 PM Humm...I'm not in charge of the finances, But i usualy know whats going on~and i check balances for my mom online.We have mortgage loan stuff through Wells Fargo, and they are claiming we missed a large payment in Nov/Dec.We FOR SURE paid this, as it made things very hard for us financially around here, and we still have the paperwork for it and such.They are now claiming we are behind in our payments, and are trying to be forceful with us now...I noticed in our online statements, it showed a "PMT Reversal" on a mortgage transaction, we have never seen that money again... where did it go???Is there something in common between these companies going on here? what the heck... Quote Selected
Capital One Blows! Reply #11 – January 13, 2009, 08:31:09 PM I have never had a problem with capital one credit card, customer with them since 1997 (prior MBNA). Do not ever get a loan from a credit card company though,, its a hassel to manage.When the big 4 credit card companies were up before congress a dozen or so months ago due to an SEC investigation, Capital One really didnt get many questions or any bad rap from congress. Quote Selected
Capital One Blows! Reply #12 – January 14, 2009, 06:27:39 AM Take one guess who Ange got a call from last night. I told her about this thread, and the fact that this is happening all over the US and Canada with banks and CC companies. I said that if they call again, tell them the same thing and that it looks like one big common scam to steal back some of the money they lost. And after hearing how they got off your back, Carmen, she's also going to mention them getting a phone call from a lawyer. If this is happening to so many of our small group, imagine how many people in the whole of the two countries are being ripped off here. I think we've got enough people here alone to file a class action.I can't get over your issue, Paul. The fact that the cheque was processed is frightening. "What? We didn't get any cheque." *whistles* Quote Selected
Capital One Blows! Reply #13 – January 14, 2009, 12:08:09 PM Kinda sounds like what im going through with my cable Co(time warner) they said we missed 2 mounths of payments when in fact ive paid them and i have the stubs to prove otherwise. Quote Selected
Capital One Blows! Reply #14 – January 14, 2009, 09:14:59 PM I hate big branch banks. When I started my job, they made me get a wells Fargo bank account. Worst idea ever. I signed up for a regular account and kept getting overdraft fee's. I tried to close my account with a $400 overdraft charge and they wouldn't let me. So I changed to a credit union until I could get the $400 to pay back my bank. I waited for about 3 weeks and went to the bank to close my account, and they said I owed over $1200. I told them it must be wrong and added it all up on paper with all of there daily overdraft fee's and ended up with less then half what they said. I had them print out all my papers for 6 months and left. I found a charge for $25 dollars that they charged me every 2 weeks. I went back and asked to speak to a manager and they wouldn't let me talk to one. So I sat down in the foyer for 2 hours until a manger "had time" to speak with me. I asked them what the charge was for. They told me it was for not having direct deposit. I asked them why there would be a charge for that. They told me it is required for a "premium" account. I told them I didn't sign up for it and specifically asked for the regular one.The manager asked me where my paper work was. They didn't give me a single paper when I signed up for my account. They told me I had to go to the bank I opened my account with, and speak to the person I opened it with. Well after two years, the person that opened my account no longer worked there. I asked for every paper with my name on it, and they said they don't have the capability to give it to me. And they they told me I had to write corporate and ask them to fax it to me. I told them I didn't have a fax machine and didn't own a home phone. Me and my wife both have cell phones, so we have no need for a home phone. I went back to the first bank I talked to and told them I wanted to speak with a manager, and they once again, told me there wasn't one. I sat there until they tried to close the lobby on me and weaseled my way in to talk to a manager. I explained my situation and they told me that I shouldn't have overdrawn. I told them they would be getting a call from my lawyer and expect a supena for a class action law suit, claiming I had already researched it online and found several other suits following the same lines, and stormed out the door. I showed up at open the following Saturday morning and asked to speak to a different manager. They then told me there was no other manager. I said I wanted to talk with there district manager then, and they called security to have me escorted out. Apparently they get pissed when you yell this is unconstitutional and ask why they've been stealing your money.I called the bank I opened my account with and asked to set up an appointment for a financial advisor. Luckily the financial advisor was the district manager. I complained for about an hour and 45 minutes, and got them to read over all 6 months of my account and got them to drop all the overdraft charges, as long as I agreed to never open an account there again.I hate to be the asshole that complains all day, but eventually it can get it done. I have only done it at that bank and the dmv.My wife still owed money on a credit card there. We decided to get rid of it as fast as possible. The minimum payment was $25. We through $100 a check on it for two months. When we got the bill, they charged us $25 dollars for every $25 we over paid by financing it at I higher rate and charging us.I went to a credit union and never looked back. I haven't overdrawn a single time since, and haven't had any charges for anything.*edit*, I ended up opening the account because I didn't have a credit union when I was sent out of town for 6 weeks for work, and my work apparently bounce alot of checks, and the only way they would let me cash my check was to open an account there. Quote Selected
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