Capital One Customer Service Issues

I have been a Cap 1 customer for 10 years. However, I spend most of each year in Central America. Over the past couple of years, Cap1 has introduced 2-step verification. Unfortunately, they do not accept my US Skype number for verification, although it is successfully used by everyone else, including the US government. Additionally, they will not allow my Guatemalan phone to be used for this purpose. I attempted to use a friend's phone for verification, but it cannot be in a different name. Despite reaching out to Cap1 representatives multiple times, I am unable to access my account activity. While I pay my balance over the phone and via email, I am currently unable to review my charges to determine if they are legitimate or potentially fraudulent. Any assistance with this matter would be greatly appreciated.

I bought a set of Hearing Assist hearing devices from walmart.com in February of this year. Unfortunately, they do not fit properly and sometimes do not work as advertised. I have been trying to return the item through both Walmart.com and Walmart stores, as well as contacting Hearing Assist, but I have been told that I cannot return them and get a refund since it has been more than 60 days since the purchase. However, the receipt I have downloaded does not mention this policy. The payment for this product was made with my card ending in [redacted] through Walmart, not Hearing Assist. My order number from Walmart is [redacted]-[redacted]. I am hoping someone can assist me in resolving this situation as I am stuck in a cycle of unhelpful responses from both companies.

Capital One has been charging late fees to customers who mail their payments on time, causing me frustration. Despite mailing my payment postmarked on July 28th for an August 5th due date, I was still charged a late fee. I've experienced this twice now. I've reached out to three supervisors at Capital One to request the removal of this late fee, but have not received assistance. I believe the US Postal Service should not take 8 days to deliver mail. In the future, I will pay my bill online to prevent further issues. Thank you, - T. Kirkwood.

I am Terrance G., and I need to contact the correct department at Capital One regarding my inability to make advance payments. For the past five years, I have been thinking about why I haven't seen much progress despite having a significant amount of money. I realized that instead of letting my money sit idle, I could use it to make advance payments on my credit card to maintain a positive standing with Capital One. I want to make every dollar I have work for me by investing in credit. I have always strived to be in good standing with Capital One, and I hope to continue this positive relationship. Thank you for your time, and I wish you a blessed day.

I need to change the return date on my existing trip to a month later. I have called the [redacted] number four times at different times of the day. The first person answers quickly, but then transfers me to hold for the trip specialist. I have waited on hold for 45 minutes to one hour each time and still haven't spoken to anyone. I was informed that the change cannot be made online, so I have to call in. Are there trip specialists at the bank locations? Is there a different number to call? Should I try the emergency number? Even the robot holding my place didn't result in a call back. When I responded to their email about my robo call experience, I mentioned I never received a call, which prompted a call from them in 20 minutes. The Representative promised to get a trip specialist on the line, but after waiting for a while and being asked if I was still on hold, I eventually had to give up as I couldn't hold any longer. Goodbye. -CH

I recently opened a Capital One credit card account, and had a seamless experience being prompt with payments. However, upon opening a Capital One Walmart credit card, issues began. My access to my original account has been revoked without explanation, citing system problems. Despite multiple calls and promises of resolution within 72 hours, I still lack online access after 2 months. This led to a missed payment as I wasn't able to keep track. I urgently need this rectified as it's unjust.

I was charged $[redacted] for my Motley Fool subscription renewal, and I cannot disable auto-renewal as I am unable to log in to my account or reset my password. The issue is compounded by not receiving the password reset email from Motley Fool. Unfortunately, I am struggling to find human support from Motley Fool, Capital One, or Cabelas. Even the phone number listed on my credit card statement for Motley Fool has not been answered.

I accidently paid $[redacted] to my wife's credit card with a balance of only $61. After spending over an hour on the phone, I couldn't resolve the issue. It was frustrating to be transferred twice then disconnected. I'm even considering cancelling the card due to this confusion. I want to ensure the credit balance is sent to my address and no extra interest is charged. If more issues arise, I'll switch to a Delta Fly Miles card after using up my miles. Capital One's customer service has been extremely disappointing. Additionally, my wife noticed a pending charge of $[redacted] on her card today that needs verification.

I attempted to make a payment using my girlfriend's bank account, something I've done before. However, I encountered issues. I may have mistakenly used the debit card number instead of the bank account number, or there might have been insufficient funds at one point. I believe there was also an instance where the payment couldn't be located, which was flagged as fraudulent. These were unintentional mistakes on my part. I recall an error made by your company in [redacted] during a security breach incident. I'm puzzled as to why I was not given the opportunity to rectify the situation by using another payment method. I was unaware that this would lead to complications. I would appreciate the chance to demonstrate my creditworthiness and resolve this matter by making the payment from my own bank account.

Hello, I am seeking assistance regarding a series of events in Michigan and Illinois. I have intricate tattoos and specific identifiers. I have experienced challenges with my credit history due to past incidents back in [redacted], which I believe were wrongly attributed to me. I am hoping to clear my name and rectify these issues related to the misuse of my personal information. I assert my innocence and request a thorough investigation into these matters as they have affected me for far too long. Thank you.

I am frustrated with my account situation. I have always made payments on time. Recently, I requested a balance transfer from Discover Card, but it was incorrectly applied to another account. Consequently, I have been unknowingly paying someone else's credit card. Meanwhile, Capital One has been charging me late and interest fees, negatively impacting my credit score. I contacted customer service, and they assured me they would investigate. I need these charges removed as I am not accountable for the mistakes in the balance transfer. Discover Card should transfer the balance correctly to my account, clearing the balance and please remove all fees and derogatory marks on my credit report. Thank you, S. Del Sole

My ATM debit card was compromised. I filed a dispute and submitted a police report. Capital One deducted my social security disability check, leaving me unable to pay my rent. After evacuating from Lake Charles to Lafayette, Louisiana during hurricane Laura, I faced challenges due to my disability and illness. This unfortunate situation started after my relocation. I am reaching out to request Capital One to review my case with the provided police report detailing the scam I fell victim to while dealing with the aftereffects of the hurricane. Being disabled and on a fixed income, it's been a struggle. I am looking forward to a prompt resolution to this urgent matter and hope for a thorough investigation from the bank. Your attention to this issue is greatly appreciated.

I have contacted your office multiple times regarding charges from Microsoft amounting to an unauthorized charge of $89.27 on my card account. Initially, Microsoft's first charge was resolved, and I followed the advice to cancel the card and obtain a new card number, which I promptly did. However, within a few days (less than a week), a second charge attempt of $89.27 from Microsoft was made to the new account. Upon discovery, I immediately called and was informed by your office that Microsoft could access the new account information, which raises concerns about the legality and constitutes fraud. Despite my explicit instruction to cancel the card, the charge amount at the time was $89.55 (including the $89.27 Microsoft charge), leaving $0.28 due on the account. I emphasized the need to cancel the card in my final call to your company, reiterating my refusal to pay for unauthorized transactions from Microsoft on a canceled card account. Please ensure that this recorded conversation is escalated to your managers/bosses. Respectfully, K. Borshuk.

I sent a letter concerning the cancellation of my Capital One credit card due to inactivity after not using it for over 2 years. I removed the card from my wallet during Covid when I lost my job to prevent accidental usage. The letter mentioned the cancellation of the card and I was unaware of this action. Despite Capital One claiming to have contacted me, I only received a credit limit reduction letter in August [redacted]. As my card had reward points close to $[redacted], I believe they should be redeemed since I was not informed of the cancellation. If I owed the company money, I would be held responsible, so Capital One should honor the reward points owed to me. I hope this matter will be resolved promptly and fairly. Thank you. - M. D.

I found Capital One's process to replace a lost credit card to be less efficient compared to a few years ago. Today, the method felt cumbersome without a secure online option to report the lost card. While the agents were friendly and tried to help, the process seemed unnecessarily complex for security. I appreciate being notified of any potential fraud but would prefer not to be contacted for random offers. Unfortunately, there is no clear way to separate these communication preferences. It's frustrating that there's no direct email option for contacting Capital One. Despite hearing positive feedback about Capital One recently, this experience has left me feeling uneasy. I've already spent quite some time on the phone today, so I hope to avoid calling again.

I noticed a duplicate payment for my November statement on my account ending in [redacted]. I contacted customer support on November 30 regarding this issue. I explained that I made a $[redacted] payment over the phone on November 26, but Capitol One also processed an automatic payment of $[redacted].42. During the call, we had a three-way conversation with my bank, Wells Fargo, and both payments went through. Capitol One assured me they would send a $[redacted] check to resolve the duplicate payment. However, I have not received the check yet. I am still waiting for the $[redacted] refund.

I'm having trouble accessing my online account since the verification code is being sent to my US phone number, which I no longer have access to as I am currently in Europe. Is there any way to verify my account through email instead? Additionally, I'm now using a European SIM card in my phone. Could you please provide me with alternative toll-free numbers I can call for assistance? Thank you, Lee O.

I've noticed a recurring charge from Verizon Wireless on my card that I disputed with Capital One. Unfortunately, I haven't received any resolution yet. I'm struggling to contact Verizon as I no longer have an account with them. I face difficulties reaching them online or by phone due to a continuous loop. Visiting their stores is not an option as I choose not to wear a mask. I need assistance with this issue to prevent them from trying to collect an invalid bill. After closing my account, they billed me erroneously. Additionally, I've been unable to reach Capital One successfully due to a frustrating phone system that disconnects me after transferring the call. The ongoing dysfunction is incredibly frustrating for me.

On November 29, [redacted], there was a hard inquiry on my credit report. I have been attempting to obtain a letter confirming the withdrawal of my application from that day. I unknowingly applied for a secured card and no longer wish to proceed with it. I simply require a note stating that April W. withdrew the application that led to the inquiry on 11/29/21 and that no credit was extended to me. This information is crucial for a pending loan essential to my emergency situation. Despite my urgency, the company insists on providing the document via mail rather than email.

I made a booking with Exottica for a trip to Morocco on November 5 and 6. I made a partial payment of $[redacted] on November 5. However, Capital One mistakenly added another payment of $[redacted] to Exottica, which was not yet due. Exottica claims they did not receive this $[redacted] payment and now say I only owe them $[redacted].60. I am puzzled by this discrepancy and hesitant to pay the remaining $[redacted].60 until the $[redacted] issue is resolved. I hope this can be cleared up soon before my upcoming trip. The Exottica contact email is [redacted]