Review and analysis of over 266 complaints against Capital One
Capital One consumers have reported over 266 official complaints related to Credit line increase/decrease. Out of the 266 consumer complaints against Capital One, 26% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 100% were processed in a timely manner. 7% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 15% resulted in non-monetary compensation.
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Capital One Credit card credit line increase/decrease December 22, 2016 - At age of - in -/-/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.... |
Capital One Credit card credit line increase/decrease December 14, 2016 - I have a CapitalOne - Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she... |
Capital One Credit card credit line increase/decrease December 14, 2016 - I rented a car from - and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( - ) said they would not accept cash so I gave them a different card ( - - ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well... |
Capital One Credit card credit line increase/decrease December 9, 2016 - Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the - about this and Capital One replied w/ a scripted re... |
Capital One Credit card credit line increase/decrease December 1, 2016 - i have a credit card with capital one and when i called in i was told that my credit line went up to - and it only went up to -... |
Capital One Credit card credit line increase/decrease November 20, 2016 - I have - credit cards with Capital One. I have always been given a credit line increase every six months for the past 4 years or so. This month I should have been given a credit line increase on - of my cards. They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me,... |
Capital One Credit card credit line increase/decrease September 18, 2016 - I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above - based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the - other cards that increased my limit by -- within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I... |
Capital One Credit card credit line increase/decrease September 13, 2016 - We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them - checks. I confirmed they received - check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a lette... |
Capital One Credit card credit line increase/decrease August 16, 2016 - I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other - companies increased from $800.00 to $6000.00. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is $25.00 and I was paying $60.00. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my accou... |
Capital One Credit card credit line increase/decrease August 10, 2016 - Capital One keeps denying me for a Credit Line Increase for a credit card i have had with them for several years. The reason behind it according to them is " We were unable to obtain your most recent monthly payment data from credit reporting agency '' I decided to check with the - credit reporting agencies and all - are reporting with no issues. I have never missed a payment with Capital One and my balance is less than $500.00 on a $2000.00 limit. I keep getting offers to open a new card with them on the mail but somehow they insist they can not get access to my payment data when I ... |
Capital One Credit card credit line increase/decrease August 7, 2016 - I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On - my mother, the cardholder, called customer service. She spoke to -, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on - we called customer service again and talked to - in -. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming thi... |
Capital One Credit card credit line increase/decrease July 24, 2016 - Hello CapitalOne Team, Hopefully you will be able to assist in treating me like a valued and respected customer. I have had your cards in excess of a year +. - card, I opened as a Secured card to help in rebuilding my credit and the other card, a Quicksilver - was a regular approved CL. Recently I had been asking about increasing my limits to more respectable limits and have only been told that : 1, I ca n't increase limits on secured cards ; that there is no longer a way to make deposits to the program. That only Capital One Proactively reviews accounts for good history and determines th... |
Capital One Credit card credit line increase/decrease July 22, 2016 - Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( - ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ -/month. I typically send $ -- $100.00 a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is th... |
Capital One Credit card credit line increase/decrease July 3, 2016 - Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is -. I make the payment in the amount of - dollars and my credit card account shows - dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amoun... |
Capital One Credit card credit line increase/decrease June 26, 2016 - I have a MasterCard with CapitalOne -/-/- they offered me a $50.00 a month or more payment plan to increase my credit limit from $ -- $900.00, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my - card through them, in -/-/- I personally requested - increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ -- $1500.00 and I was supposed to still receive my increase automatically for capitalone on -/-/16 I did not receive my increase so I ca... |
Capital One Credit card credit line increase/decrease May 26, 2016 - Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to - dollars on -/-/-. They then increased the limit on this card to - dollars on -/-/-. That is a span in time of about a year and a half. Keep in mind I started out at a - dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchar... |
Capital One Credit card credit line increase/decrease May 24, 2016 - I have been a customer of Capital One for a few years now and have - credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. - was receiving a message of denial stating that my payments were - small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my othe... |
Capital One Credit card credit line increase/decrease May 22, 2016 - I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.... |
Capital One Credit card credit line increase/decrease May 10, 2016 - This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about - -, - which is when I filed for Chapter - bankruptcy ( which was dismissed ) and after the - -, - - Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to poten... |
Capital One Credit card credit line increase/decrease April 8, 2016 - Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for - credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave - message, if they leave a message at all, explaining -. I ca n't call them back t... |
Capital One Credit card credit line increase/decrease March 5, 2016 - Capital One sent me an approved credit card with a - - dollar limit. This sounded like a good idea since my - credit score was obliterated due to a house staying on the market for twenty months from -/-/- to almost -/-/- while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our fin... |
Capital One Credit card credit line increase/decrease February 23, 2016 - I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPRO-IMATELY - 2015. ON - -, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED - OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # -, # -, # - ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # - ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT ... |
Capital One Credit card credit line increase/decrease February 23, 2016 - I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE ... |
Capital One Credit card credit line increase/decrease February 18, 2016 - Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ - for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane t... |
Capital One Credit card credit line increase/decrease December 29, 2015 - I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit - cards with Capital One at that time. I had a credit line of over $10000.00 on the first card. No sooner had my husband died, the credit limit on that card was brought down to $500.00. I also noticed Capital One was using my $85000.00 mortgage on my house toward - credit, which I understand is not supposed to be used for these purposes. I closed that first card. Two weeks ago I... |
Capital One Credit card credit line increase/decrease December 23, 2015 - I contacted Capitol One so that i could do a balance transfer for $6000.00 from another card. I had a credit limit of $4000.00 and was calling to ask for a $2000.00 credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for - years and my credit score is - and my income is $100000.00 annually.... |
Capital One Credit card credit line increase/decrease November 24, 2015 - i started a secure credit card with $400.00 with capitol one. after a $49.00 fee i had $350.00 of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after -/-/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. - to tell them this fact, we were disconnected. they did say i could increase it until -/-/2016. when i informed them that legally this was not able to be done only new accounts i was cut off. ... |
Capital One Credit card credit line increase/decrease November 18, 2015 - I have - unsecured credit card accounts with Capital One Bank. In - 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my ac... |
Capital One Credit card credit line increase/decrease October 18, 2015 - CapitalOne Bank advertisement is false and misleading. On -, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a - balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement. ... |
Capital One Credit card credit line increase/decrease September 24, 2015 - I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some - - - of theirs without my consent. The program consists of the customer making - on time payments to their accounts of the minimum payment due in which I 've made more than - payments and ... |
Capital One Credit card credit line increase/decrease September 17, 2015 - Capital One is charging me excessive fees and reporting late payments to -.- and -. Capital One approves me - credit cards but company denies me credit increase over $700.00 and $500.00. Why approve me on another credit and gives me denial on credit increase. Is it to charge me high annual fees for both cards? Late fees are included also. I am on - - - and Retired. I am a Military Veteran. Capital One practices needs to be regulated by Federal Government. ... |
Capital One Credit card credit line increase/decrease September 16, 2015 - I have - credits with Capital One and each - of them charges me $55.00 dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and - - years old. ... |
Capital One Credit card credit line increase/decrease July 9, 2015 - I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit. ... |
Capital One Credit card credit line increase/decrease June 15, 2015 - I have been an excellent Capital One multiple credit card account holder customer for many years and I have always conducted the best of what is expected as a client with this bank and handled my accounts always in a positive and excellent manner of operations but I am contacting and filing a complaint against Capital One after I have notified and tried to resolve my issue with them for quite some time. I have asked for a credit limit increase on my accounts and they will not grant me my requests month after month and has been close to - years or longer on some of my accounts. They send me ... |
Capital One Credit card credit line increase/decrease May 21, 2015 - - - - - - - - - # -, -, CA-- -/-/-To : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # -I am member since -/-/- and I keep my account good standing all the times.-/-/- I requested credit line. My credit line request has been denied due to - payment retuned credit card account. ( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # - I made a deposed $570.00 on -/-/-.Same day I process payment $28.00 mycredit card account... |
Capital One Credit card credit line increase/decrease March 20, 2015 - I recently sent an online secure message to Capital One asking if they can lower the interest rate on a - because they approved another - with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new - with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I ha... |