Review and analysis of over 61 complaints against Capital One
Capital One consumers have reported over 61 official complaints related to Overlimit fee. Out of the 61 consumer complaints against Capital One, 13% 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. 48% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 2% resulted in non-monetary compensation.
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Capital One Credit card overlimit fee December 22, 2016 - accepted 0 % balance -fr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to ... |
Capital One Credit card overlimit fee July 15, 2016 - In -/-/- my credit card was reported over the spending limit and i lost - points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in -... |
Capital One Credit card overlimit fee March 10, 2016 - I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( $75.00 ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! It is essentially a pay day loan pretending to be a credit card. ... |
Capital One Credit card overlimit fee December 11, 2015 - My Capital One credit card was written off -/-/-. The debt was sold to a bill collector. The bill collector ( - ) says they are Collecting for Capital One. I just verified this statement with one of - agents over the phone on -/-/-. I have been paying on this account to - for over 4 years. On my credit reports the capital one bill decreases with payments made to -. Also, the account with Capital One E-CEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see... |
Capital One Credit card overlimit fee November 26, 2015 - I owned a business back in 2008 that I took a credit card out from capital one with a credit limit of - everything went well for the first 6 months then I started getting charged over the limit fees each month in the amount of - each month i called and was told they would not remove them after a year i gave up paying on it they had doubled what i owed them raised my interest rate now they have hired an attorney which has put - judgement 's against me for it - on my checking account - on my state taxes and the - - is on my house which has a mortgage on it all for the amount... |
Capital One Credit card overlimit fee November 24, 2015 - I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until - -.Im trying to buy a house, this is hurting me! good bye ... |
Capital One Credit card overlimit fee November 2, 2015 - Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. This is a record of what has happened since -/-/- ( the last time I purchased anything with this card ) : -/-/-Minimum due $... |
Capital One Credit card overlimit fee October 20, 2015 - Opened a Capital One - Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to - 2013 - 22 month ) I have been charged $ -/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice. ... |
Capital One Credit card overlimit fee May 20, 2015 - My daughter ordered some underwear using my credit card. For some reason - has been charging my credit card - every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only -. Now I ca n't get my money back and I have paid - on the - of every month for nothing. ... |