I was VERY dissatisfied with the way I was treated by the Capital One representatives with regard to some fraudulent charges on my credit card statement and I am very suspicious about the way they handle business. By the way, I am an excellent customer.

In November/December 2007, I received a call from Capital One stating that someone was attempting to make charges to my credit card from Hong Kong. My card was cancelled and a new card was issued. This was the first time anything like this ever happened to me. There were no suspicious charges on my current bill and I never really made it a habit to scrutinize my bills on a monthly basis since I have never had fraudulent charges appear before. So when I received my end of year SUMMARY from Capital One in January/February 2008, I noticed that there were three charges made to my credit card that I know nothing about. One was on May 1, 2007 for the amount of $21.40, one was on July 4, 2007 for the amount of $123.90, and one was on August 6, 2007 for the amount of $123.90, for a total amount of $269.20. I immediately made copies of the charges and sent a letter explaining the suspicious charges. On Friday, April 11, 2007 I was transferred and put on hold numerous times. More often than not you could not understand the people you are talking to. I spoke with Florine, Charine (ID XNZJ966), Elizabeth, John, and finally Rudy (ID FQK130) who told me that a credit would be issued, my credit card would be cancelled, and a new one sent out. On Saturday April 12, I called Capital One again, and discovered what Rudy told me was a lie. My credit card was not cancelled and the charges were not removed. Again, I was transferred numerous times, to Sergio (WWE444), Alan (OPG134) and Mohammed (LAE734). I have reason to believe the names and ID numbers are all fictitious b-c you could never track anyone down again once you hung up from them. Since nobody would help me and since this was the worst customer experience I have ever had, I told the last person I spoke with to cancel my credit card once and for all. But I am not done. I demanded credit for $269.20 for charges I did not make, and I wanted a letter of apology for the way I was treated from every person that transferred me and threw me back in Q. I intend on exposing Capital One and telling my story to as many people as possible and to shed light on the corrupt behavior of Capital One in an effort that it lessens the number of victims in the future.

A letter to the Comptroller of the Currency Administrator of National Banks at 1301 McKinney St Suite 3450 Houston, Texas 77010 quickly helped resolve my issue. I was issued a credit from Capital One.

Captial One, please quit sending out offers you can't follow through with. We were sent a letter in the mail that we were preapproved to refinance out auto loan and you turned us down although we have 2 long good standing credit card accounts with you. We will most likely be closing both of our credit cards with you and will make sure everyone we know knows how corrupt you are. It would be greatly apprecitiated if you would quit sending us bogus offers in the mail.

Thanks for nothing

I can't get a live person to speak with at customer service ,this is terrible what number do I call to speak with a live person Thank You

My account was paid off as requested by a Capital One supervisor who stated the pay off amount be more than due to cover any additional charges that might be presented over the 30 day account inactivity time required to close the account. The over pay ammount was to be refunded after the account was inactive for 30 days. After about fifty days I called Capital One to ask why the refund was not processed after the required 30 day account inactivity. They promply moved on sending the overage back to me and it was received within seven working days.
Guess what, the account remained open after I received the refund and a PC software bill that was not approved hit the account (around five days after receiving the refund). I was made aware of this when I recieved a billing statement from Capital One for the charges.
I called Capital One again and was routed to five different agents. The fourth agent advised me that
even after the refund the account had to be at a zero balance for another 30 days before it could be closed.
The fifth agent that I spoke with had to deal with transactions disputes against Capital One accounts. The agent stated that she had notice these transactions on other accounts and were being submitted by DRI PC Tool.Com 800 764 5783 MIN. This will take the dispute department 45 days to resolve.
Back at the ranch, Capital One failed to refund my over pay on the account after the inital 30 days the account was inactive, after the refund was shipped out the account was not closed and a transaction that was not approved was allowed to hit the account. This will require I start account close process all over again.
This company is evil and uses any excuse to keep the accounts open, potentially allowing unapproved transactions to hit accounts requested closed even when the consumer has gone above and beyond to pay account balances.
My credit card was cut up and discarded four months ago and the closing process started that long ago. I am not in the mood to continue to bang heads with this out of control financial institution of which the Federal Government has not gotten involved to audit. Where is the Attorney General of the United States that needs to weigh in on these lending institutios.
I bailed out of this card as their charges for services were to much and penalties came in from unknown areas including holding payement received until the following billing cycles in order to penalize the account holder. My interest rates increased without notification and when I closed the account an agent quickly asked if I would keep the account open she would authorize dropping account interest rate from 21.9% to 14.9%. I said no, I just want the account closed and asked if my account was good for them (regarding timely payments) why wasn't I automatically given the lower interest rate. This same agent was the one who worked with me on sending the overage on my last payment and never stated that the account had to be zero not over in order to close the account.
What a circus and at this point they can eat this account as I will not respond to any billing from them as I don't get paid to take time out of my day to be routed through the Capital One staff in order to be frustrated by their seemingly creative and negligent account management practices.

I have been getting bills after I cleared out my capital one credit card. Then, some strange $1.83 charge showed up and another bill was sent. Then, the next month, a $15 charge was on for finance. After I tried and tried to get a real human on the phone for days and days, to no avail, I finally pay the $16.83 bill only now to get my mail and get yet another $15 charge! I have not used this card in months. It is cut up. Will this ever end? What do I have to do to get rid of this horrible company? They are committing a crime by stealing from me. I don't want their services and will tell anyone I can that they are not the credit card that anyone should use. I am writing the Better Business Bureau and any other organization that will take my complaint.