They are good for lowering your credit limit for non usage which causes you credit score to be affected. Capital one should not be able to change credit lone without consumers requests.
Horrible service. I paid off my card but my available credit still said 0 I called and was told I had to wait another 3 days before my available credit was updated even though the payment posted from my bank account I asked to speak to a supervisor and was hung up on. I called back finally got someone after waiting another 15 minutes and was told they couldnt do anything. Im over capital one and would never recommend getting a card with them. If youre looking to build credit just go through another cc company because this one isnt right.
This was the first time I went on a long trip and my card didn’t get blocked forcing me to make an international call so I went into this review wanting to give a 5 star review. But their first service rep ruined it. 10 minute wait on hold. First rep too incompetent to look up something simple that a car rental deposit from Australia dropped. She had me on hold looking it up for 15 minutes. I think she was ESL. I had to call back. On hold again 10 minutes. Second rep helpful but first rep already ruined my mood with incompetence. Need good people on the phones.
REPORT CAPITAL ONE TO: Consumer Financial Protection Bureau EVERYONE! The Better Business Bureau would be likely better. Capital One ignores all complaints as you can see. How they score higher in the UK is beyond me. Since their score is 1.3 and the minimum star is 1 this means that there real score is 0.3 which is extremely poor. They charge over 30% on some of their credit cards yet their best savings account pays 3.90%. Are you protecting your assets from the coming CBDC surveillance money that can be shut down with the press of a button?
Horrible company I was trying to build my credit put up a $200 deposit made 3 payments in on month of $25 for total of $75 somehow my balance went over my credit limit so they closed my account saying I was not using card according to policy. WTF I would NOT suggest them in any shape form or fashion!!! I know others who went through the same type of situation with Capital One
If your thinking of joining capital one dont. There is a cost of living crisis and still they love to charge £12 charges when you have gone over your balance. They already earn interest off what you have spent. I am disabled have chronic heart failure and still charging me £12 charges. I am letting the prime minister know about this company they prey on vulnerable people who struggle. With that in mind think twice before taking a card out. If you cant afford one dont take it out. As this company loves slapping you with £12 charges. If you read this review capital one stop the 2 cards I have with you. Wont be using them no more cutting them up. You dont understand what the cost of living is like. £12 is a lot of money to find for me. It takes food out of my mouth. All you think about is making money. Shame on you.
Absolutely horrible customer service. You can tell the phone reps are reading from a computer script and are almost robotic, at times even patronizing. No brick and mortar branches within 100 miles of me, so no way to actually visit with a knowledgeable banking professional. We have had to call them five times since November 8 for the same issue, and each time we have gotten a different answer, and none of them correct, it seems, since our issue has still not been resolved by Capital One. Steer clear!
I have been a loyal consumer for several years, and never missed a single payment. I was trying to rebuild my credit because it was in the poor range so they gave me a high APR. Several years later, I have excellent credit, I called them to lower my APR and they refused. They will NOT honor the credit system. Once you are locked into the APR they will not make it reflect your hard work. Its clear they dont care about your loyalty they only care about money. Im out.
Horrible, worst credit card ever . I paid more than the balance due every month and they close my account saying it was suspicious payments. How is it wrong to pay more each months????????????????
I opened up a credit card account with this bank. I used the card for a month, and made sure I made my payment ahead of the due date. Capital One out the blue locked my account and told me that they needed to verify that I had open the account. I told them there hasn’t been any fraudulent activity and I did infact open the account. They told me to submit A ton of documentation that I deemed to be unnecessary. Whenever I call to verify my account they game me the run around. I then decided to cancel my account. I can’t work with a bank that’s unreliable and who doesn’t value the customer experience. ZERO STARS!!!
I signed up for a Bass Pro Card. Used it once. $8k limit. Went to use it again with my daughter, a shirt for her and a flannel for me. Denied. Denied denied. They claimed suspicious activity. BS. They are now demanding a copy of my DL, which was verified at the store. A copy of my Social Security card, which I’ve bought homes without, and a most recent bill showing my current address. Total BS. Good luck understanding the cuc on the phone too. Complete Trash and Liars.
If I could give this company zero stars, I would. I opened a checking account for my daughter, who was having her small checks from part-time employment direct deposited. Without notice, Capital One locked her accounts and requested additional verification via standard mail (who does that anymore). Not allowing my daughter access to her money is unacceptable. After weeks of back and forth, we’ve resolved the issue and closed the account. We’ll never bank with Capital One again and I suggest you avoid this company as well.
C1 started out as an okay company, but it has gotten worse over these last year. My final straw was the harassment for something I never got before and them not updating their system, when the update has been done in the app. Poor customer service representatives that think they know about a person by treating me like I dont know anything. An refusing to fix a problem that was very fixable just 1 years ago. Taking over a major brand credit holders but not providing them adequate customer service for them. All accounts will be closed, including those on individuals I referred to C1.
Redeemed points for two $200 digital gift cards last week to take advantage of a 25% discount in points. So, instead of 50,000 points, it was only 37,500 – great right? Not so fast. Capital One botched the digital delivery and after a week of aggravation, decided to reinstate the 37,500 to my account. But, I still wanted the 2 gift cards. Promotion no longer in effect, so now the same gift cards set me back 50,000 points. When I pointed out the inherent unfairness imposed on me by their mistake, they were unmoved – awful customer service!
Trashy Capital one. They been trash since I been with them. Two years of headaches. Please dont get with these scammers. This is thee worst credit card company ever. I cant stand them. The lue due lie to everyone. I cant wait to get away from these low lifes. If you dont want no headaches dont got with these scammers
I received a notification through my online banking app (capital one) that if I downloaded this and installed, then gave full permissions, I would receive a $45 bonus…. Well, I added the Capital One shopping app and extension to my Safari to claim the $45 bonus. I gave all permissions and complete freedom of the app/extension, yet I have not received any of the compensation advertised. It’s a fraudulent joke. And a poor one at that. They don’t give anything. They just want to waste your time and collect as much information from your phone as possible.
I mean this is a junk financial operation. Complete trash, customer support has Filipino heavy breathers with barely legible English, while the fat yanks who make the money cant be contacted in the US. Crapital Ones app and automated telephone system are beyond infuriating, which VP or which bellend set this up? Complete madness.
They offered me a new card online to replace my existing card I chose the saver card with 3% cash back It chose the venture card with 1% and travel miles. I dont travel I had to call they said theres nothing they can do and immediately they were ordering this new card even though it was their mistake I chose savor and they gave me venture. Its a website glitch apparently and they said that they were having a problem on their end but they couldnt fix it So thats giving me a card I dont want I could have just kept what I had Why even offer me a choice if youre not going to give me what I chose. Very very disappointed in them
I am a new Customer, just opened an Account. They provide false and contradicting instructions. A small part of their service is ok. A much larger majority of their service is not good. Capital One had a published good rating online for an over all comparison of competing banking, but I found that not to be accurate, and I noticed that nearly 90% of Customers rate them as 1-star poor Customer Service. I agree.
Capital One offers an outstanding experience across both its banking and credit card services. The credit cards come with competitive benefits and easy account management, while their banking services are reliable and user-friendly. The app ties everything together, providing seamless access to accounts, real-time updates, and helpful tools. Capital One stands out for its convenience, innovation, and customer-focused approach.
Is Capital Bill Pay Legit? Understanding This Controversial Debt Collector
Debt collection is never a fun process. But when a debt collector starts contacting you to pay up, it pays to understand their reputation. Capital Bill Pay is one such controversial debt collector that consumers need to research.
I’ve done the homework for you in this article. Here’s what we’ll cover:
- What is Capital Bill Pay?
- Complaints against Capital Bill Pay
- Steps to take when Capital Bill Pay contacts you
- How to respond to a Capital Bill Pay lawsuit
- Strategies for negotiating with Capital Bill Pay
- Is Capital Bill Pay a scam?
Let’s dive in!
What is Capital Bill Pay and how does it work?
Capital Bill Pay LLC is a debt collection agency based in Franklin, Tennessee. They specialize in collecting unpaid medical bills, credit cards, personal loans, and other consumer debts.
Here’s some background on Capital Bill Pay:
- Founded in 2003
- Privately-owned company
- 300+ employees
- Collects over $100 million per year
- Member of the Association of Credit and Collection Professionals (ACA International)
Capital Bill Pay uses aggressive tactics to collect debts including
- Telephone calls – They may call multiple times a day.
- Letters – Send collection notices in the mail.
- Credit reporting – Report delinquent accounts to credit bureaus.
- Lawsuits – Take consumers to court for unpaid debts.
While debt collection is legal, some of Capital Bill Pay’s practices have drawn consumer complaints and lawsuits. We’ll cover that next.
Complaints against Capital Bill Pay’s debt collection practices
Capital Bill Pay has been in business for a long time and has over 200 complaints with the Better Business Bureau. They’ve also faced over 1,100 grievances filed at the Consumer Financial Protection Bureau.
Here are some of the most common complaints against Capital Bill Pay:
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Harassment – Consumers accuse them of excessive calls, sometimes 10+ times a day. This violates the Fair Debt Collection Practices Act.
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Deceptive practices – Collecting debts consumers don’t owe, inflated balances, adding unauthorized fees.
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Failure to verify debts – Not responding to consumers’ written requests to validate the debt details. Required by law.
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False statements – Threatening arrest, wage garnishment, or lawsuits they don’t intend to file.
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Use of obscene language – Cursing, racial slurs, and belittling remarks during calls.
While these complaints represent a fraction of Capital Bill Pay’s overall business, they highlight serious issues in their collection processes. Consumers being pursued for debts should know their rights.
Steps to take when Capital Bill Pay contacts you
If Capital Bill Pay starts calling about an unpaid bill, don’t panic. Take these smart steps:
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Request a debt validation letter. This forces Capital Bill Pay to verify details like the original creditor and exact balance owed. Send the request via certified mail.
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Dispute inaccuracies. If the amount or details are wrong, send a dispute letter. Make Capital Bill Pay investigate and provide proof.
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Record calls & save letters. This documentation helps if you need to sue for illegal practices later.
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Limit communications. Per FDCPA, send a cease-and-desist letter telling them to only contact you in writing. Stop calls.
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Report violations. File complaints with the Consumer Financial Protection Bureau and your state attorney general.
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Consult an attorney. For serious cases like harassment or fraudulent debts, get professional legal help responding.
Following up disputes with debt validation letters or cease-and-desist notices can force Capital Bill Pay to prove the legitimacy of their collection efforts. Don’t let them steamroll you.
How to respond to a Capital Bill Pay lawsuit
Sadly, Capital Bill Pay sues thousands of consumers annually when debts remain unpaid. If you get hit with a lawsuit over an old bill, here are some tips:
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Don’t ignore the court summons. You must respond within the required window (often 20-30 days) or risk an automatic default judgment against you.
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Review court documents. The summons and complaint from Capital Bill Pay should explain the history of the account. Check for errors.
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Meet response deadlines. Ask the court clerk for details on responding and whether you can get an extension. Miss the deadline and you’ll almost certainly lose.
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File an answer. In your response, address each claim point-by-point. Deny allegations that are false. Raise affirmative defenses like expired statute of limitations.
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Consider legal help. Though not required, consulting a lawyer skilled in debt defense can really strengthen your case against Capital Bill Pay. Or use legal software like SoloSuit for an affordable DIY option to generate court forms.
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Negotiate a settlement. If Capital Bill Pay makes you a reasonable settlement offer to avoid trial, you may want to take it. Get any payment/dismissal deals in writing.
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Show up for court. If your case isn’t resolved beforehand, be sure to arrive early on your hearing date, dress nicely, and bring all your evidence and witnesses.
With the right response strategy, you can potentially get the lawsuit dropped or settled favorably – even when up against a large debt collector like Capital Bill Pay. Don’t let them win by default.
Strategies for negotiating debt settlement with Capital Bill Pay
If you can’t afford to pay off the full balance demanded by Capital Bill Pay, you may be able to settle your account for less. Here are tips to get the best possible deal:
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Act fast. The best settlements come early in the process, before Capital Bill Pay files a lawsuit. They are more incentivized to compromise.
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Get terms in writing. Have Capital Bill Pay sign a settlement contract detailing the lump-sum payment amount and deadline. Get the signed contract before paying anything.
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Look for errors. Review account records for any discrepancies, unauthorized fees or interest that you can leverage in negotiations.
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Raise defenses. For example, expired debts past the statute of limitations have more leverage since suing over them is illegal.
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Report problems. Complain to the CFPB and state attorney general if Capital Bill Pay uses unethical leverage like threats.
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Start high. Many experts recommend beginning settlement offers around 25-50% of the total you allegedly owe. Capital Bill Pay will likely counter higher.
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Get tax implications. Settled credit card debts can potentially be reported as taxable income. Understand the costs before accepting a deal.
With some preparation and negotiating savvy, you could settle your Capital Bill Pay debt for a fraction of what they demand. Don’t rush into any agreement without examining it closely first.
Is Capital Bill Pay a scam?
With all the complaints and controversy surrounding Capital Bill Pay’s tactics, it’s reasonable to ask: Are they a legitimate business or some kind of scam?
The truth is, Capital Bill Pay is a real debt collection company that’s been in business for many years. However, some of their practices walk a fine ethical line. Some key facts:
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They are an accredited and licensed debt collector.
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Capital Bill Pay collects on behalf of many well-known creditors and financial institutions.
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Many alleged debts they collect on are legally owed by consumers.
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They have obtained thousands of court judgments against debtors.
So Capital Bill Pay as a company is not a scam or fraud. But some of their collection methods could be deemed illegal or unethical consumer abuses:
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Aggressive and deceptive calls/letters from collectors
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Trying to collect expired or already paid debts
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Adding unauthorized fees and interest
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Harassing family members or coworkers
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Empty threats about jail time or asset seizure
While every debt collector to some degree faces consumer complaints, Capital Bill Pay seems to have more frequent and severe grievances than average. They walk a fine line between forceful collection and harassment.
The bottom line on Capital Bill Pay
Dealing with Capital Bill Pay as they pressure you to pay off an old debt can be stressful. Their reputation for aggressive tactics means you must be proactive about standing up for your rights.
Don’t let them bully you into paying a debt that’s not yours, expired, or has errors. Follow up disputes with written validation requests. Record interactions. Turn to regulators if they cross legal boundaries.
If sued, take it seriously and respond on time. With legal guidance, you may be able to get the case dismissed or settled favorably. Don’t just ignore the problem – know your debt collection rights.
So is Capital Bill Pay legit? Yes, but that doesn’t mean you shouldn’t proceed carefully in handling debts they claim you owe. With the right precautions, you can handle them legally and limit any financial damage.
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Capital One 360 Review 2024 – One of the Best Bank Accounts?
FAQ
Is bill pay safe to use?
Does Capital One bill pay send a check?
Does bill pay send actual checks?
How fast is Capital One bill pay?
Is Capital One a scam or a legit company?
Scammers pose as a legitimate company (like Capital One) or a utility company and request personal information or a payment transfer in order to make things “right” on your account. They might also use a fake caller ID that could show up as a legit company’s number and/ or request remote access to your device.
Is a debt collection call a scam?
Here are a few red flags signaling a debt collection call could be a scam: The debt collector threatens you with criminal charges. There are only a few circumstances when a debt can lead to an arrest. Legitimate debt collectors should not claim that they’ll have you arrested.
Can a debt collector impose a threat to a legitimate debt?
While failure to pay legitimate debts can lead to legal consequences, collectors should not issue threats they cannot enforce. The FDCPA forbids debt collectors from behavior that aims to “harass, oppress or abuse” individuals to collect a debt, regardless of whether the debt is legitimate or not.
Does Capital One pay monthly interest?
Interest is paid monthly, and you always have full access to your funds even if you should cl Capital One issues personal and small business credit cards that earn rewards and come with other perks and benefits, including 0% introductory APR periods and fraud liability protection.