Capital One Customer Service Issues

I started a new job in September and only had a few sick days left. Unfortunately, I got sick and had to be hospitalized twice in December [redacted] and January [redacted]. As a result, I missed work and fell behind on my bills. At the moment, my phone is disconnected, and I am unable to make my car payments. I am hoping to explore the possibility of moving the payments I have missed to the end of the loan, as I won't have any funds until February to make at least one payment and catch up from there. Losing my car is not an option as I am in a very difficult situation. Your assistance in resolving this matter would be greatly appreciated.

I contacted customer service on January 13 regarding two unauthorized charges on my debit card. I spoke with a representative, but the issue was not resolved, and I was advised to get a new card due to security risks. Despite explaining I was traveling and needed the card, it was blocked without prior notice. When I tried to use it, the transactions were rejected. Upon calling today, I was informed that the block was due to the fraud investigation. This lack of communication and inconvenience could have been avoided. I requested a new card, wanting it expedited, but was told it would take 2 to 3 days as I live far from the bank. This whole situation could have been handled better. I hope the bank can reimburse me for the inconvenience. This experience has been frustrating, and I expect better service given my long history with the bank.

I seem to have misplaced my driver's license, so I am wondering if I can use my work ID from the VA hospital or my passport as alternative forms of identification. I also want to authorize my daughter on the account. Unfortunately, my wife has taken most of my belongings including my license, login information, and phones. I am concerned for my safety and prefer not to contact her. I am currently in a difficult situation and need access to my Virtual Quicksilver account. I appreciate your assistance in this matter.

Hello, I am William L. Goldstein from Barnesville, GA. I am writing to acknowledge a mistake I made on December 30, [redacted], where I accidentally exceeded my cash advance limit on my Credit Card ending in [redacted]. I take full responsibility for this error and assure you that it will be paid in full on time. I kindly request that this oversight does not impact my credit score, as I strive for perfection in all my banking transactions. I greatly value the trust Capital One has placed in me by issuing me a credit card and aim to maintain an impeccable record with them. If you need further details, please contact me at [redacted] or email me at [redacted] I apologize for this incident and assure you it will not recur. Thank you for your understanding and professionalism. Sincerely, William L. Goldstein of [redacted] Cannafax Road, Barnesville, GA [redacted].

I recently opened a new [redacted] account with Capital One Bank and transferred funds from my old Chase account. During the transfer process, an unrelated payment caused my Chase account to go negative. Capital One suspected fraud, locked my new account, and did not return the money. Despite multiple attempts to contact them by phone and through the Capital One Café, I have been unable to resolve the issue. I am trying to close the account and have my funds returned as soon as possible.

Subject: Request for Goodwill Adjustment of Late Payments on Capital One Credit Account Dear Sir/Madam, I am writing to address the recent late payments reported on my Capital One credit account for November and December [redacted]. Despite my dedication to meeting financial obligations, these unforeseen circumstances arose due to personal difficulties when my family and I faced challenges with our newborn’s health last year. This led to oversight in managing the card, resulting in these late payments. I take full responsibility for the lapse and have since cleared the overdue balance and set up automatic payments to prevent future occurrences. As my wife and I are pursuing a mortgage for our first home, I kindly request your consideration in making a goodwill adjustment by removing the 30 and 60-day delinquencies from my credit report. These incidents have significantly impacted my credit score, despite maintaining a strong financial record with Capital One over the past 13 years. I sincerely believe that this does not reflect my creditworthiness and assert my commitment to honor all financial obligations diligently. Your support in rectifying this matter would be greatly appreciated as it would aid in securing a favorable loan for our family’s future. Thank you for your time and understanding. I am hopeful for a positive resolution to my request. Sincerely, [Your Initials]

Hello, I am currently attempting to contact customer support via email. I sent messages to [redacted], [redacted], and [redacted] without receiving a response. My phone is broken, and the speaker is malfunctioning. To replace it, I need my account access reinstated by confirming my identity with an ID card. I lack a driver's license and vehicle, relying on my state-issued ID for verification. Living away from family, I cannot use services like Uber until I access my funds, making it impossible to visit a branch for identity confirmation. Even after submitting my phone number and a picture online, there has been no change to my account. Please assist me in promptly reinstating my account access or provide information on whom to contact. Thank you, C Corcoran

I've been trying to resolve my restricted account issue with Capital One for a while now. I received an email saying my account would be closed and a check sent, but now I doubt that will happen soon. I previously spoke with customer support who temporarily lifted the restrictions, only to have them re-imposed 2 days later. Now, when I try to reach out, I'm directed to leave a message for a callback in 48 hours. I prefer email as I can't always answer unknown numbers on my phone. Fixing this via email, like others have done for ID verification, would be great. Please contact me at [redacted] to help me remove the restrictions on my [redacted] savings account. Thank you. - Colt K.

I recently lost my job and have applied for unemployment, which is pending. I was expecting a severance package on my last day at work, but it did not come through. I will soon receive a significant sum of money and plan to pay off my credit cards in full. Unfortunately, my account is currently overdrawn by $[redacted], with upcoming automatic payments due and no funds to cover them. Additionally, I had to refile my taxes, requiring me to return my refund to the IRS, but the payment was unsuccessful due to insufficient funds. This situation has left me feeling anxious and overwhelmed.

I am having trouble accessing my account on both my phone and laptop using my username and password. The system is requiring a 2-step verification, but I have been using these devices for months without any issues. I am currently traveling, unable to make calls or receive text messages. My only means of communication are via email or WhatsApp. I am concerned that CapitalOne may restrict my access to my card due to the 2-step verification problem. How can I resolve this issue?

I noticed that a credit of $[redacted] was applied to my previously closed account when I logged in. However, the account disappeared from my online dashboard, which I assumed meant that the check was being processed. I received a letter from Capital One regarding the refund, and I am now checking for any updates on when I can expect to receive the funds. The closed account in question is a Venture CC with the last four digits being [redacted].

I've been attempting to make a significant purchase on Airbnb. They necessitate payment authentication through Capital One to the phone number on my profile. However, I've recently moved to New Zealand for a few months and have changed my phone number to a New Zealand one. When I try to update the phone number on my account to my current one, the system rejects it as it's not a US number. I'm unsure how to proceed, but I urgently need to change my phone number.

Capitol One - Proceed with Caution I purchased a vehicle through Capitol One finance a few years back and maintained timely payments until encountering difficulties due to health issues. Despite seeking assistance, they repossessed my vehicle while I was trying to make a partial payment. This setback undermined my credit rebuilding efforts as I strive to recover. Now, Capitol One is enticing me with invitations to buy another vehicle, a crucial necessity. However, I am hesitant to trust Capitol One after my negative experience. Despite my loyalty over almost 6 years, the company's actions have left me questioning their integrity. Facing challenges such as losing my car and my wife's passing within a year, I am cautious about Capitol One's reliability as a finance provider. Trust is essential, and Capitol One has left me with doubts. Best, James T. Jr.

I made three recent payments: two for $[redacted] and one for $[redacted]. The first payment was processed after some delay as I made it on a Friday. Despite waiting for three business days, my balance hasn't updated. Concerned, I made another payment of the same amount. Typically, my balance updates immediately after a payment, but this time it was still processing the next day. Frustrated, I made another payment with the remaining funds in my account to cover my credit card bill. Strangely, the payments are still processing even though they show on my bank statement. My credit line was $4,[redacted] and is now $3,[redacted], but my available credit hasn't been updated. I'm unsure if the issue lies with the Capital One app, a system glitch, or if there's a problem with the transactions. As I need the card to pay my school bills and other expenses, I hope to resolve this soon.

I have been trying to apply for credit cards, but unfortunately, I never seem to get approved. Some mentioned pre-approval, but it seems like I am always denied before I even have a chance for a fresh start. I feel like I am on a list where as soon as my name comes up, I am already not approved. A friend of mine with a credit score of [redacted] and bad credit got approved for a Capital One credit card with no annual fee and a $[redacted] limit, which was impressive. However, when I tried to apply, I didn't even finish the application before getting denied. It's disheartening to feel like I am being treated unfairly in the process. Mary T. Feia [redacted] Street South Apt [redacted] St. Cloud, MN [redacted].

I am currently in Taipei and unable to access Capital One Bank's overseas website to transfer funds due to not receiving the necessary verification code. I urgently need to transfer money for an IRS tax payment of about $80,[redacted] by April 14. Since I cannot receive the code on my cellphone, utilizing my Chinese Telecom number ending in [redacted], I risk facing IRS penalties. Please contact me at [redacted] or email me at [redacted] for assistance. Thank you. Note: Capital One Bank's collect call service at 1-[redacted] is currently unavailable for help. - Shirley Y.

As an employee of American Family Insurance, I am reaching out regarding our insureds who have Capital One as a lien holder on their vehicles. Despite our efforts to send proof of insurance to Capital One, the mail has been returned undelivered. We urgently require a valid mailing address to send this information to. Without the correct address, Capital One will not receive the necessary proof of insurance, jeopardizing our insureds' coverage. It has been challenging to reach a human representative at Capital One, making it difficult to resolve this issue promptly. This communication serves as our final attempt to establish direct contact and ensure the smooth delivery of essential insurance documentation. Please prioritize providing us with an accurate address so we can proceed accordingly. Thank you.

Since August 5, [redacted], I have noticed monthly charges of $5.99 for Apple and since December 5, [redacted], a $11.99 charge for Spotify totaling $56.90 and $59.95 respectively. I apologize for not monitoring my statement sooner. I have cleared the account balance. I am struggling to connect to both services. I plan to use the account again later this year. Please ensure there are no overdrafts on the account. Despite my oversight, I accept responsibility for the delay in addressing this matter. If you prevent the payments from processing, I will handle it directly with the companies. Account number: [redacted]1, Card number: 4[redacted] 9[redacted]. My name is P. J. Hoffman.

Hello, I am writing because I will be late sending in my payment. It was due today, May 5th. Three coworkers and I were sent home due to Covid, and we have to stay home for 7 to 10 days. I am upset because we won't be paid for our time off, and I've been on time with my payments since I received my card. I am unsure what to do, but once I receive my paycheck, I will send you the payment. I apologize for this delay, and I hope this situation will not have any negative impact.

Dear Capital One, I recently received a notification that my new credit card is on its way to my address. However, as of today, I still haven't received it. Please find my address details below for easy reference: Raj K Pradhan [redacted] Main St, Brookview Commons Apt unit 212W, Danbury, CT Zip: [redacted] I appreciate your assistance in ensuring I receive my new card promptly. Thank you for your attention to this matter. Sincerely, Raj K Pradhan