Capital One Customer Service Issues

Subject: Assistance Needed Regarding Interest Charges on Capital One Credit Card Dear Customer Service, I am writing to address the recent recurring interest charges on my Capital One credit card. My name is Michael K., and the last four digits of my card are [redacted]. My SSN ends in [redacted]. While I understand my oversight in missing a payment led to an initial interest charge, receiving another one on the subsequent bill was unexpected and concerning. Despite contacting customer service, I was informed the additional charge must be paid. As a loyal customer who consistently pays the full balance, I find this policy unjust. I kindly request a review of my account history with Capital One to rectify this situation promptly. If the $41 interest charge is not credited this month, I will have no choice but to terminate my card. Thank you for your attention to this matter. Sincerely, Michael K.

I've had a credit card for nearly a year. I've always paid on time and even paid it off in full several months. However, this month, I could only make the minimum payment due to Christmas expenses. Surprisingly, my application for a Capital One Walmart credit card was denied. I'm puzzled as I have a checking and savings account with direct deposit. I feel overlooked as a loyal customer. I'd appreciate an explanation for my rejection. My circumstances have not changed since I was last approved, except for varying payment amounts.

Hello, I'm having trouble reaching you by phone to address a billing matter on my account. I'm disappointed that there isn't an option to email or chat live with an agent. I would appreciate more diverse communication options instead of just calls or mail. Could you please advise on how I can speak with someone regarding my account? I remember there used to be live chat agents, but now I'm only getting 'Eno,' who hasn't been helpful with my inquiry. Thank you for your help.

I am requesting a no lien letter for a [redacted] Kawasaki that was originally purchased through HRSI, which I understand has been acquired by Capitol One. I was advised to send the necessary information by mail, which I promptly did, but I have not received any communication since then. Additionally, the state of Kansas has also reached out to Capitol One regarding this matter, yet I have not received any confirmation. I believe it is important to respond promptly to customer inquiries, and I am hopeful that we can address this matter efficiently. The purchase date was 6/28/[redacted], and the Vin No. is JKBVNAJ17XA002052. I appreciate your assistance in resolving this issue. Thank you.

I recently tried to make a payment to my Capital One credit card from my bank account, but my bank declined it twice. Despite having a $20 overdraft option, my bank is now saying I cannot use it for payments to Capital One. The automated phone system at Capital One is not helping, and I cannot get through to a real representative. My bank advised me to use my debit card for the payment, but the automated system insists I must use my bank account. I've attempted to log into my account multiple times, but encountered various issues. With my work facing a minor shutdown, I'm facing financial difficulties with a reduced paycheck. I'm considering emailing Capital One to explain my situation and request help since I can't reach them by phone. I'm working on improving my credit, and this situation has me feeling overwhelmed and unsure of how to proceed.

I am Lori E., and I encountered issues setting up my online account before receiving my card, resulting in my account getting locked. Despite submitting all the requested information, my account remains inaccessible. When I initially called after receiving my card, I was incorrectly informed that the information was needed from the start. This misinformation has been frustrating, especially since I had counted on this card for Christmas expenses, which is now delayed. This situation is particularly difficult as my husband is hospitalized with COVID-19. The delay, extending beyond the promised 7-10 days, and the repetitive responses from customer service have left me dissatisfied with the company's handling of the matter. Regrettably, this experience has soured my perception of the company, and I will not be recommending it to others.

I am having trouble setting up my online account as my wife listed me as an authorized user on her credit card. The information is accurate, but there seems to be an issue verifying my phone number for two-factor authentication. After several unsuccessful attempts, my account is now locked. I urgently need to resolve this matter as it has been ongoing for 24 hours. My name is Matthew J O'Mara, and my wife is Christina Hardin. Phone number: [redacted].

I am seeking clarification regarding the $5.44 interest charge appearing on my recent statement. My previous ending balance was $3,[redacted].62. Over the last month, I have made payments totaling $7,[redacted].62 and also used a $[redacted].60 travel credit. Therefore, I believe that I have not only settled my previous bill but also made significant prepayments towards the current statement period. Hence, I am unclear as to why any interest charge has been applied, as it seems both inaccurate and unnecessary.

I have a complaint regarding Capital One. My debit card is expiring this month, and I contacted them to inquire about the new card. The representative confirmed that a new card would be sent via FedEx within 3 days but mistakenly blocked my current card, thinking it was lost or stolen. When I called to have it unblocked, a manager named Carolyn informed me that she couldn't assist after 7 PM. I find myself unable to access my funds just days before Christmas due to this mistake. I believe there should be an exception made by Capital One for this error. As a customer service representative myself, I am aware that exceptions can be made in such cases. I am now facing the possibility of not receiving my replacement card until 12/24. I hope this matter can be resolved promptly. Thank you.

I am still experiencing issues with making deposits using the mobile app. The monthly payments are getting declined, and the customer service representatives on the helpline seem unaware of this matter. I am located [redacted] miles away from the nearest CVS Pharmacy or ATM where Capital One deposits can be made. Even after trying to uninstall and reinstall the mobile app, I am unable to find it on Google Play. There seems to be confusion among customers facing similar problems, and we need clarity on this matter.

I recently noticed an unauthorized cash app withdrawal from my account and suspect that it may have been a result of someone hacking into our cash app information. The withdrawals were for $[redacted] and $55 from my Capital One account. I am requesting to verify the email address and cash app linked to my bank account to confirm if these transactions were made by me or my wife. Kindly contact us promptly to confirm if this activity is fraudulent. For my wife, please reach her at [redacted] or [redacted]. You can contact me at [redacted] or [redacted]. Thank you.

I was charged an annual membership fee on my account ending in [redacted]. In July when I paid off the account, I was assured that when the renewal fee was due in December, my account would be reviewed. Today, speaking to customer service, I was informed that the only way to waive the fee was to close the account. I chose to close it, but I feel this should not have been the only option. I've maintained a positive relationship with Capital One, always paying on time, and boasting a strong credit rating. I am disappointed with how this situation was handled.

I wanted to express my gratitude to Capital One for extending my credit during a difficult time. Despite challenges with illness and losses in my family due to COVID-19, they supported me as I worked to catch up on my credit card payments. I am a single mom with four kids, and their assistance means a lot to me. I hope for more credit in the future and acknowledge that I fell behind on payments. I appreciate their patience and understanding, and wanted to thank them sincerely for their help.

I recently received a Capital One QuickSilver card, but when I tried to activate it online, I was directed to Fraud Protection. They requested a copy of my Driver's license, which I found frustrating since Capital One already has my information from my Capital One Platinum Card and prior car financing. Despite providing the required documents once, they claimed not to have received them. I refused to resend them and asked to cancel the QuickSilver card ending in [redacted]. The agent assigned me Case Number: [redacted][redacted]. Kindly remove the hold on the card and proceed with the cancellation as one card suffices for my needs.

Dear Madam or Sir, I resided and worked in Louisiana from [redacted] to [redacted], and during that time, I opened a Capital One account with a debit card. Amidst infrequent visits to the US, I maintained an approximate balance of $[redacted] in the account. Recently, I received a notification that my account, due to being associated with a non-US address, will be closed on December 30th. Unfortunately, I only found this letter in my mailbox on January 10th, rendering it impossible to resolve directly through my account. My wish is to permanently close the account and receive the remaining $[redacted]. Kindly advise on the procedure to follow, where to direct my communication, and the necessary documentation required. Thank you for your prompt assistance.

Hello, I am still dealing with a restricted account issue. I have verified my deposit twice with the payee and was assured the restrictions would be lifted, but they persist. The payee even made a humiliating comment during a recent call. It has been nearly 30 days, causing my credit account to become delinquent with overages and non-payment fees. I am unsure what steps to take next as I have been cooperative and understanding throughout this process. The account has been restricted for almost 30 days now. Thank you, Tara J.

I'm experiencing difficulty logging into my account because the website is not recognizing my new location. I recently relocated my computer to another room, and now I am unable to log in. They are trying to send a temporary code to my previous phone number or call it, but it's a VoIP number which they do not recognize. The other option is to send a text, but we do not use text messages, and our mobile phone has a faulty answer button. Unlike other companies, they are unable to send the temporary code to my email. After contacting two representatives, the second one assured me they would send it to our current VoIP phone and call us back. Unfortunately, we only received background noise on the voicemail and no one called us back. I urgently need access to my Capital One account, and this situation is extremely frustrating.

My name is James Truesdel, and I have been with Capital One for about 20 years. My login information is "jtruesdel/Goodbad4!". I have not changed my computer in 4 years, and I have never changed my login details. Recently, every time I try to access my account, I am required to receive an entry code via phone call. This process is cumbersome, and I believe it should not be necessary every time I log in. I have contacted technical support, but they were unable to assist me. Last year, a helpful individual resolved a similar issue I had. However, this time, I have not found anyone capable enough to fix the problem. I have excellent credit and promptly pay my bills. At 83 years old, I should be able to access my account without these unnecessary obstacles. I hope someone at Capital One can address and resolve this matter promptly. Thank you for your assistance.

Please be informed that Credit Card payments for account CAPITAL ONE X-[redacted] are delayed due to issues with payroll deposits in Chicago on 1/21/22. The account is past due because of delayed client consulting payments, which have now been approved. We expect all accounts to be current within the next 72 hours. We do not foresee any further disruptions in payment cycles after receiving outstanding invoice payments. Attached, please find details of the pending transactions. Thank you for your patience. Global Funding Corp. (GFAC) has shared correspondence from client Valerie King, managing partner at Declan Global Petroleum, LLC, regarding the approval of invoices for consulting services. Your fees and expenses will be settled in the next few days. The client has faced delays due to various challenges including weather conditions and the pandemic but is working to resolve payment issues. For any inquiries, please contact them directly at the provided number. Sincerely, Valerie King, Managing Member, DGP, LLC

I was unaware that accepting this offer would require a phone call, as I was expecting an email. I appreciate the assistance offered, but I would prefer to handle this matter through email for clarity's sake. I completed an application for a pre-approved card and was initially approved. I did not proceed with the final step of providing my ID. Subsequently, I was notified of my approval. Initially, I reconsidered due to the high interest rate and requested cancellation. The representative advised me not to activate the card upon receipt, mentioning it wouldn't work either way. This left me uncertain whether the cancellation was processed or if the instruction was to simply not activate it for closure. After contemplating, I found the 0% interest for 15 months appealing and decided to keep the card. Assuming it was not finalized since I hadn't submitted the ID verification and had requested cancellation, I reapplied using the pre-approved offer. Unfortunately, I was declined this time with a message about receiving an explanatory letter. The confusion persists regarding whether the denial was due to an existing account or the status of my applications. The situation is convoluted, leaving me uncertain about my approval status, pending applications, and the requirement for ID verification. As the offer expires in two days, I seek guidance on how to proceed given these circumstances.