Report: #1362547

Complaint Review: Capital One 360

  • Submitted: Sat, March 18, 2017
  • Updated: Sat, March 18, 2017
  • Reported By: Jesse — Visalia California USA
  • Capital One 360


Capital One 360 Stolen money lost $200 false notifications lying scam overage charges Internet

*Consumer Comment: I love my Capital One accounts

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 I bank with Capital One 360 I deposited my paycheck. Later that day I received a notification stating that $200 in my funds were available immediately and that the remaining deposited funds would be made available on the coming Tuesday. I took used the $200 that was available on my debit to pay towards my credit card for the same company I then received a statement stating that my payment was received. Upon trying to use that credit card which had a $300 credit limit and a standing $100 balance which should have leave me with $200 credit however that is not the case it said I had $100 balance and zero available credit limit. The mobile app stated that my funds were available and now they are not available nor can I find the funds that were reportedly available to me. I have since incurred overage fees for late payment after receiving notification that payment was accepted. And the $200 which apparently was made available and then was not made towards my credit is not since appeared on my debit card where it originated from after being notified of the available 200 dollars from my initial $441 deposit. I've been called customer service because I have no gas stranded on the side of the road and was declined at a gas station and declined at an ATM contrary to what my mobile banking app said. On the phone with her for over an hour with Representatives being handed off from one person to the next each saying that they were going to help me and everything was okay and my funds will be made available but to no avail I cannot get access to those funds nor can anybody explain to me where the available $200 has gone the money is missing it's not on my debit account it's not on my credit card it's just vanished Into Thin Air in the only thing that I could get from the customer service was that nobody had the ability to override the program the funds would be made available on the coming Tuesday the 21st. This company is doing absolutely nothing in terms of convenience for me as is the intention of the company all they have done so far is help themselves by charging me overage fees by saying that payments have been received and then declining them after the payment date which is causing me to incur additional charges for late fees and then falsely notifying me of available funds only to be declined too much Social anguish and embarrassment and I'm stranded on the side of the road and there's nothing I can do about it absolutely whatsoever I'm losing money because I'm not at work because they are screwing me and I'm losing money because I'm late charges because they are giving me false information saying funds are available and then denying allocation of those funds and then when I inquire as to where the funds are nobody has an answer the funds are missing I am incredibly upset with this something must be done I am pissed off capitalone360 is a scam I want absolutely nothing to do with them but I want my money. I am literally screwed I trusted this bank with my money and they have literally left me stranded on the side of the road with not a dollar to my name and no way. Instead I'm losing money because I'm not at work I might lose my job because I'm not at work and the best thing that they can tell me is that oh they'll have my money on Tuesday which is 3 days away after already saying that I had funds available. They have literally f**** me in the a*s I am f***** on all ends I mean the day of literally put me in a boat with no paddle I have no there's nothing I can do I am stuck this is the biggest disservice I've ever experienced and I banked with Wells Fargo.

All they were able to do was offered to personally call me on Tuesday when my funds are guaranteed to be made available. What the f*** is a personal phone call going to do for me that's not paying the overage fees that I'm incurring do their lack of confidence and it's not replacing the $200 that is just magically f****** disappeared. And I find it very hard to believe after speaking with 4 different people over an hour while sitting on the side of the road that nobody has the ability to override this decision that apparently the computer is just making on its own the Graham is written by a f****** person. And some magical way you mean to tell me that there's nobody who can f****** override the program that they wrote nobody I insisted I requested many times to speak to somebody who could do something about this and I was just giving the same line of bulls*** conferred for over an hour on the phone but for different people telling me the same thing only two only to have me off to the next person who says they are going to help you they have the ability to help you have a good day we've got this worked out only to hear the same thing repeatedly over and over again I will Slender the f*** out of this company I will post everywhere that Capital One is Crooks I will go to every one of their Mobile locations all of their f****** ATM locations and I will post signs safety not bank with Capital One they are Crooks is fraudulent do not give them that your money because they do not have the confidence to to handle your money they will lose it you're better off just giving your money to some child that you've never met before this is incredibly mind-blowing I may actually I may want to take legal action against this company for lost wages English falsely incurred charges I mean skimming this is this is fraud this is absolutely 1% fraud and they think that they can get away with it because they've got Deep Pockets I mean what do they care if I take my business elsewhere you know I'm only what I have to offer this company is pennies compared to all the millions of customers that they have aside for me so they think they can just scan me for $25 here and $25 there and lose $200 here and f*** me and leave me on the side of the road and get away with that s*** I don't f***** think so this is the real world if this was a face-to-face situation somebody would get their a***** whipped but no they're hiding behind a telephone into digital format they think they can get away with this s*** I don't think so if somebody doesn't help me I will burn this s*** to the ground.

This report was posted on Ripoff Report on 03/18/2017 10:40 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

I love my Capital One accounts

AUTHOR: Chell8711 - (USA)

  I've been a victim of credit card fraud from Capital One. Three times now and just recently last month. I don't know, I guess the internet loves my Capital One. My experience has been wonderful every penny return to me without question. They did say they would do an investigation and if they found out that the merchant deserved the money then I would be repaying. I called scolding them I thought they hadn't removed a certain fraudulent item, I hadn't read where they did Quietly.... They waited until I was done. They find out that the merchant had refunded me, and the bank refunded me. Now we have to refund the merchant and I owe the bank money. Money is always spot on - if there was a problem they would put their money in my account until they investigated the issue. A comment on your report. You were, even if you didn't spell the word out, you were still swearing a lot . You were threatening, name calling, I believe there may have been some slander in there. I just wonder did it just happen? were you angry at the moment you wrote your report? Can you sit back and see some culpability on your part? You rambled on and on the same topic I just wonder if there's something that you may have done I can't imagine Capital One for $200 would put you through that. I'm not saying it didn't happen or couldn't happen but most banks excellent record-keeping. I found the mobile app is not always up-to-date you have to call the number and get the balance information

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