On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account. Ing Direct became Capital One and I was an Ing Direct customer. I had qualms so I left some money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began. Before March 2014, I bought a few things here & there. Mostly gas. Few online purchases from reputable companies. In March Facebook decides to get into the banking arena. With their all new encompassing Policy Agreement, they pretty much say that all or any financial data, including private data used by an FB member on their site becomes theirs also to use when they see fit.
Enter Capital One 360 via iTunes and my money began to be systematically siphoned out every other day, sometimes three and four times a day. How? I would put my Capital One card into iTunes when I used it and then removed it via settings on my iPad. I had been playing a particular game and needed play cash. The $9.99 charge became a $19.99 charge: $24.99; $14.99; $1.99; $2.99; .30cents (yes, .30 cents). These were almost daily charges. Why didn't I know? My mother became ill. I was distracted, driving 250 miles back and forth, helping Hospice and my step father. Plus, I wasn't using the card frequently. Before March 2014 there had been little activity. After March, which coincides with Facebook's new Policy, I was supposedly glued to the internet racking up charges on one, yes...one game. No, not Candy Crush. A game called Pearl's Perils. Did I buy anything? Yes. Unfortunately for me, I bought some play cash to open up land. Was I buying play cash daily? No.
There wasn't any need to buy play cash except occasionally. After my mother's death, I checked my balance on my Capital One 360 card. I almost keeled over. iTunes, iTunes, iTunes. Every single date had iTunes on it. I immediately called iTunes. They didn't even hesitate. They could only reverse 90 days worth. iTunes was obviously very used to reversing online game charges. iTunes had become so alarmed at the extent of the charges, they blocked the game and stopped paying. Now this becomes bizarre. I go into my FB settings to remove the game App and notice PayPal as my FB Account mode of payment. PayPal? How did Facebook get my PayPal Account information? I never used PayPal for anything on FB! How did they get my password? My email associated with PayPal? It gets worse. I log into Paypal and see iTunes charges in there. But next to them, it read "Denied." One line down, it reads: Facepay (or something similar).
Again: $14.99; $9.99; $24.99 etc. 50 charges, 100 charges. My PayPal Account was being systematically drained. And PayPal had my main bank attached to it. I was beyond myself. To make a very long, horrifying story as short as I can, I called PayPal and was told I had an Agreement with Facebook. I did? When? When I bought something from an online clothing store off of Facebook. What? I immediately called said store. Yes, I bought a tank top there months and months ago on their private website. What did Facebook have to do with where I shop off of their domain? Well, I came across an obscure news article that PayPal's CEO now works for FB. Excuse me? It all came together. PayPal let Facebook in without my knowledge, consent, password or email address. Guess who wouldn't block Facebook Payer? PayPal and Capital One 360. PayPal at least reimbursed me. However, after 3 days of filing the disputed charges, Capital One 360 decides there were no errors.
Despite my sending them a receipt I found from FB saying the charge was unauthorized. I didn't make it. A hacker was non-existent. The developers of the game were padding my account and iTunes w/my Capital One card, not on file, paid them. They, however, reversed all of the charges for a 90 day period. PayPal reversed the whole year. Capital One? Not one penny. Dispute Closed, read their email after 3 days! Really? I don't think so. I've closed PayPal. I've transferred all money left to another bank. I've changed all of my passwords and closed all online banking except for one online bank that will block On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account.
Direct Ing became Capital One and I was an Ing Direct customer. I had qualms so I left little money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began. Before March 2014, I bought a few things here & there. Mostly gas. Few online purchases from reputable companies. In March Facebook decides to get into the banking arena. With their all new encompassing Policy Agreement, they pretty much say that all or any financial data, including private data used by aan FB member on their site becomes theirs also to use when they see fit. Enter Capital One 360 via iTunes and my money began to be systematically siphoned out every other day, sometimes three and four times a day. How? I would put my Capital One card into iTunes when I used it and then removed it via settings on my iPad. I had been playing a particular game and needed play cash. The $9.99 charge became a $19.99 charge: $24.99; $14.99; $1.99; $2.99; .30cents (yes, .30 cents).
These were almost daily charges. Why didn't I know? My mother became ill. I was distracted, driving 250 miles back and forth, helping Hospice and my step father. Plus, I wasn't using the card frequently. Before March 2014 there had been little activity. After March, which coincides with Facebook's new Policy, I was supposedly glued to the internet racking up charges on one, yes...one game. No, not Candy Crush. Another game. Did I buy anything? Yes. Unfortunately for me, I bought some play cash to open up land. Was I buying play cash daily? No. There wasn't any need to buy play cash except occasionally. After my mother's death, I checked my balance on my Capital One 360 card. I almost keeled over. iTunes, iTunes, iTunes. Every single date had iTunes on it. I immediately called iTunes. They didn't even hesitate. They could only reverse 90 days worth. iTunes was obviously very used to reversing online game charges. iTunes had become so alarmed at the extent of the charges, they blocked the game and stopped paying.
Now this becomes bizarre. I go into my FB settings to remove the game App and notice PayPal as my FB Account mode of payment. PayPal? How did Facebook get my PayPal Account information? I never used PayPal for anything on FB! How did they get my password? My email associated with PayPal? It gets worse. I log into Paypal and see iTunes charges in there. But next to them, it read "Denied." One line down, it reads: Facepay (or something similar). Again: $14.99; $9.99; $24.99 etc. 50 charges, 100 charges. My PayPal Account was being systematically drained. And PayPal had my main bank attached to it. I was beyond myself. To make a very long, horrifying story as short as I can, I called PayPal and was told I had an Agreement with Facebook. I did? When? When I bought something from a clothing store off of Facebook. What? I immediately called said clothing store. Yes, I bought a tank top there months and months ago on their private website.
What did Facebook have to do with where I shop off of their domain? According to that online store, they never sell customer's information. I did more research. Well, I came across an obscure news article about how PayPal's CEO now works for FB. Excuse me? It all came together. PayPal let Facebook in without my knowledge, consent, password or email address. Guess who wouldn't block Facebook Payer? PayPal and Capital One 360. PayPal at least reimbursed me. However, after 3 days of filing the disputed charges, Capital One 360 decides there were no errors. Despite my sending them a receipt I found from FB saying the charge was unauthorized that I didn't make it, Capital one doesn't care. A hacker was non-existent. The developers of the game were padding my account and iTunes w/my Capital One card Not on File paid them. They, however, reversed all charges for a 90 day period. PayPal reversed the whole year. Capital One? Not one penny. Dispute Closed read their email after 3 days. Really? Ya think?
I opened a capital one 360.checking account in September 2014. During that short time my checkbook and debit card were stolen. I contacted capital one to let them know what happened. I asked that they cancel my debit card and checkbook to keep from any fraudulent activity happening on my account. The representative cancel the debit card but not the check book. When I realized this I contacted them back. They reviewed the phone call and realized that the rep I spoke with failed to cancel out everything. Due to there mistake there were several checks written on my account that bounced. I spent a month trying to fix this by disputing all of the transactions which they found in my favor. On October 21 2014 I received a call from Mike a rep from the customer security management. He informed me that my account was going to be closed if I failed to keep my account from going into a negative. That was ALL he told me. I said ok and also let him know about the fact my checkbook and card were stolen and that I had been trying to rectify this situation. On November 7 2014 I received another call from Mike explaining that they were closing my account because of too many declines on my account. I was confused by this since that wasn't told to me beforehand. I tried to appeal this decision with the customer satisfaction team who didn't do anything about this either. In fact they agreed to close my account. They all knew I was dealing with stolen and fraudulent activity yet they could care less. My disability for my son was being deposited into this account now leaving me to find another option at such a short notice. THEY ARE CARELESS INSENSITIVE ME AN AND THEY DONT CARE AT THE FACT MY PERSONAL ACCOUNT WAS COMPROMISED. THEY HELD ME ACCOUNTABLE FOR WHAT SOME ONE ELSE DID TO MY ACCOUNT. THEY ARE NOT WORTH IT THEY DO NOT HAVE A NY CUSTOMERS BEST INTERESTS AT HEART. IF THEY LOOSE MONEY WELL YOU LOOSE YOUR ACCOUNT.
My elderly father recently passed away (September 6, 2013). Prior to his death, he gave me several checks from his checking accounts to deposit into my own accounts so that I could take care of his bills, final expenses, and so on. Since I was at his side day and night for several weeks leading to his death, I did not deposit the checks right away. I deposited a total of 5 checks from my father after his death to my Capital One 360 accounts - two deposits going into my checking and three going into my savings. Four of the five checks were drawn on Citibank, one on Wells Fargo. The Citibank checks cleared as expected, but the Wells Fargo check was returned. My bank, Capital One 360 immediately froze both of my accounts, and asked me to contact them. I contacted them and was told by Capital One's Loss Prevention department that the Wells Fargo check was returned because Wells Fargo reported the checkbook as "stolen". I explained that the check was from my father and he subsequently passed away. The person I spoke with at Capital One 360 Loss Prevention was named "T" and would not give me her last name. "T" told me she needed to “Investigate" and would call me back in 24 to 48 hours to let me know the status of the freeze on my accounts.
While I waited for "T" to call me back, I contacted Wells Fargo by going into my father's branch with copies of his will, the working copy of his death certificate and his advance directive and all his check books and other documentation he left me. I asked what we needed to do to close out the account and also told them that my father wrote a check from that account to me and my bank claims it was returned due to "checkbook stolen". The branch manager confirmed that there was a hold on the account that Wells Fargo placed due to inactivity and the inability to contact my father to verify his ownership of the account and that is why the check was likely returned.
I contacted my Capital One 360 again the following day, and Capital One's representative "T" stated that she "confirmed with someone that Mr. **** is deceased, and he has NO daughter". I asked her who gave her that information, and she stated she could not tell me who. She said my accounts would be closed, and all the monies from the checks my father previously gave me would be returned to the originating banks as they were "fraudulent". I hung up in disbelief and very angry.
I called Capital One 360 back again when I had calmed down and asked for the name of the supervisor of the Loss Prevention department as well as a mailing address and a fax number then proceeded to fax Ms. "T" a copy of my father's death certificate, my birth certificate showing he DID have a daughter, and a copy of his last will and testament reflecting that all his belongings, home, car and accounts were left to me. I have not received a response from Ms. "T" to confirm she received or reviewed the faxed documentation.
I believe that Ms. "T" never spoke to ANYONE to confirm ANYTHING at either Wells Fargo, my father’s home phone number (she did call his number and leave a message on his answering machine --- I picked up the message!!!) or the country recorder to confirm he was deceased and arbitrarily made a decision to freeze my accounts --- of which I have held for over 7 years without so much as an overdraft - based on her own misguided "hunch". Had she actually reached out to the county recorder of Los Angeles where my father’s death certificate was filed and mailed out to ME as confirmed by the Mortuary who filed the certificate, she would have found that the certificate was mailed to HIS DAUGHTER, ME, on September 23, 2013 by Los Angeles Country itself.
Ms. “T” made a decision to freeze accounts without proof of wrongdoing. She made a family’s grief into a much bigger nightmare for absolutely NO REASON and WITHOUT CAUSE. No one who is grieving the loss of a loved one should be treated in this manner - as though they are a criminal and to tell a daughter a blatant OUTRIGHT LIE that her father had “no daughter” is immoral and criminal in and of itself. The decision that some kind of “fraud” was committed by an accountholder depositing checks made payable to her prior to the payor’s death was made unilaterally by Ms. "T" and Ms. "T" alone without a shred of solid evidence to back it up. Ms. “T” of Capital One 360’s so called “Loss Prevention” department is the REAL FRAUD. This is NOT the way to treat a long time customers of 7 years.
Capital One 360 Reviews
On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account. Ing Direct became Capital One and I was an Ing Direct customer. I had qualms so I left some money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began. Before March 2014, I bought a few things here & there. Mostly gas. Few online purchases from reputable companies. In March Facebook decides to get into the banking arena. With their all new encompassing Policy Agreement, they pretty much say that all or any financial data, including private data used by an FB member on their site becomes theirs also to use when they see fit.
Enter Capital One 360 via iTunes and my money began to be systematically siphoned out every other day, sometimes three and four times a day. How? I would put my Capital One card into iTunes when I used it and then removed it via settings on my iPad. I had been playing a particular game and needed play cash. The $9.99 charge became a $19.99 charge: $24.99; $14.99; $1.99; $2.99; .30cents (yes, .30 cents). These were almost daily charges. Why didn't I know? My mother became ill. I was distracted, driving 250 miles back and forth, helping Hospice and my step father. Plus, I wasn't using the card frequently. Before March 2014 there had been little activity. After March, which coincides with Facebook's new Policy, I was supposedly glued to the internet racking up charges on one, yes...one game. No, not Candy Crush. A game called Pearl's Perils. Did I buy anything? Yes. Unfortunately for me, I bought some play cash to open up land. Was I buying play cash daily? No.
There wasn't any need to buy play cash except occasionally. After my mother's death, I checked my balance on my Capital One 360 card. I almost keeled over. iTunes, iTunes, iTunes. Every single date had iTunes on it. I immediately called iTunes. They didn't even hesitate. They could only reverse 90 days worth. iTunes was obviously very used to reversing online game charges. iTunes had become so alarmed at the extent of the charges, they blocked the game and stopped paying. Now this becomes bizarre. I go into my FB settings to remove the game App and notice PayPal as my FB Account mode of payment. PayPal? How did Facebook get my PayPal Account information? I never used PayPal for anything on FB! How did they get my password? My email associated with PayPal? It gets worse. I log into Paypal and see iTunes charges in there. But next to them, it read "Denied." One line down, it reads: Facepay (or something similar).
Again: $14.99; $9.99; $24.99 etc. 50 charges, 100 charges. My PayPal Account was being systematically drained. And PayPal had my main bank attached to it. I was beyond myself. To make a very long, horrifying story as short as I can, I called PayPal and was told I had an Agreement with Facebook. I did? When? When I bought something from an online clothing store off of Facebook. What? I immediately called said store. Yes, I bought a tank top there months and months ago on their private website. What did Facebook have to do with where I shop off of their domain? Well, I came across an obscure news article that PayPal's CEO now works for FB. Excuse me? It all came together. PayPal let Facebook in without my knowledge, consent, password or email address. Guess who wouldn't block Facebook Payer? PayPal and Capital One 360. PayPal at least reimbursed me. However, after 3 days of filing the disputed charges, Capital One 360 decides there were no errors.
Despite my sending them a receipt I found from FB saying the charge was unauthorized. I didn't make it. A hacker was non-existent. The developers of the game were padding my account and iTunes w/my Capital One card, not on file, paid them. They, however, reversed all of the charges for a 90 day period. PayPal reversed the whole year. Capital One? Not one penny. Dispute Closed, read their email after 3 days! Really? I don't think so. I've closed PayPal. I've transferred all money left to another bank. I've changed all of my passwords and closed all online banking except for one online bank that will block On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account.
Direct Ing became Capital One and I was an Ing Direct customer. I had qualms so I left little money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began. Before March 2014, I bought a few things here & there. Mostly gas. Few online purchases from reputable companies. In March Facebook decides to get into the banking arena. With their all new encompassing Policy Agreement, they pretty much say that all or any financial data, including private data used by aan FB member on their site becomes theirs also to use when they see fit. Enter Capital One 360 via iTunes and my money began to be systematically siphoned out every other day, sometimes three and four times a day. How? I would put my Capital One card into iTunes when I used it and then removed it via settings on my iPad. I had been playing a particular game and needed play cash. The $9.99 charge became a $19.99 charge: $24.99; $14.99; $1.99; $2.99; .30cents (yes, .30 cents).
These were almost daily charges. Why didn't I know? My mother became ill. I was distracted, driving 250 miles back and forth, helping Hospice and my step father. Plus, I wasn't using the card frequently. Before March 2014 there had been little activity. After March, which coincides with Facebook's new Policy, I was supposedly glued to the internet racking up charges on one, yes...one game. No, not Candy Crush. Another game. Did I buy anything? Yes. Unfortunately for me, I bought some play cash to open up land. Was I buying play cash daily? No. There wasn't any need to buy play cash except occasionally. After my mother's death, I checked my balance on my Capital One 360 card. I almost keeled over. iTunes, iTunes, iTunes. Every single date had iTunes on it. I immediately called iTunes. They didn't even hesitate. They could only reverse 90 days worth. iTunes was obviously very used to reversing online game charges. iTunes had become so alarmed at the extent of the charges, they blocked the game and stopped paying.
Now this becomes bizarre. I go into my FB settings to remove the game App and notice PayPal as my FB Account mode of payment. PayPal? How did Facebook get my PayPal Account information? I never used PayPal for anything on FB! How did they get my password? My email associated with PayPal? It gets worse. I log into Paypal and see iTunes charges in there. But next to them, it read "Denied." One line down, it reads: Facepay (or something similar). Again: $14.99; $9.99; $24.99 etc. 50 charges, 100 charges. My PayPal Account was being systematically drained. And PayPal had my main bank attached to it. I was beyond myself. To make a very long, horrifying story as short as I can, I called PayPal and was told I had an Agreement with Facebook. I did? When? When I bought something from a clothing store off of Facebook. What? I immediately called said clothing store. Yes, I bought a tank top there months and months ago on their private website.
What did Facebook have to do with where I shop off of their domain? According to that online store, they never sell customer's information. I did more research. Well, I came across an obscure news article about how PayPal's CEO now works for FB. Excuse me? It all came together. PayPal let Facebook in without my knowledge, consent, password or email address. Guess who wouldn't block Facebook Payer? PayPal and Capital One 360. PayPal at least reimbursed me. However, after 3 days of filing the disputed charges, Capital One 360 decides there were no errors. Despite my sending them a receipt I found from FB saying the charge was unauthorized that I didn't make it, Capital one doesn't care. A hacker was non-existent. The developers of the game were padding my account and iTunes w/my Capital One card Not on File paid them. They, however, reversed all charges for a 90 day period. PayPal reversed the whole year. Capital One? Not one penny. Dispute Closed read their email after 3 days. Really? Ya think?
I opened a capital one 360.checking account in September 2014. During that short time my checkbook and debit card were stolen. I contacted capital one to let them know what happened. I asked that they cancel my debit card and checkbook to keep from any fraudulent activity happening on my account. The representative cancel the debit card but not the check book. When I realized this I contacted them back. They reviewed the phone call and realized that the rep I spoke with failed to cancel out everything. Due to there mistake there were several checks written on my account that bounced. I spent a month trying to fix this by disputing all of the transactions which they found in my favor. On October 21 2014 I received a call from Mike a rep from the customer security management. He informed me that my account was going to be closed if I failed to keep my account from going into a negative. That was ALL he told me. I said ok and also let him know about the fact my checkbook and card were stolen and that I had been trying to rectify this situation. On November 7 2014 I received another call from Mike explaining that they were closing my account because of too many declines on my account. I was confused by this since that wasn't told to me beforehand. I tried to appeal this decision with the customer satisfaction team who didn't do anything about this either. In fact they agreed to close my account. They all knew I was dealing with stolen and fraudulent activity yet they could care less. My disability for my son was being deposited into this account now leaving me to find another option at such a short notice. THEY ARE CARELESS INSENSITIVE ME AN AND THEY DONT CARE AT THE FACT MY PERSONAL ACCOUNT WAS COMPROMISED. THEY HELD ME ACCOUNTABLE FOR WHAT SOME ONE ELSE DID TO MY ACCOUNT. THEY ARE NOT WORTH IT THEY DO NOT HAVE A NY CUSTOMERS BEST INTERESTS AT HEART. IF THEY LOOSE MONEY WELL YOU LOOSE YOUR ACCOUNT.
My elderly father recently passed away (September 6, 2013). Prior to his death, he gave me several checks from his checking accounts to deposit into my own accounts so that I could take care of his bills, final expenses, and so on. Since I was at his side day and night for several weeks leading to his death, I did not deposit the checks right away. I deposited a total of 5 checks from my father after his death to my Capital One 360 accounts - two deposits going into my checking and three going into my savings. Four of the five checks were drawn on Citibank, one on Wells Fargo. The Citibank checks cleared as expected, but the Wells Fargo check was returned. My bank, Capital One 360 immediately froze both of my accounts, and asked me to contact them. I contacted them and was told by Capital One's Loss Prevention department that the Wells Fargo check was returned because Wells Fargo reported the checkbook as "stolen". I explained that the check was from my father and he subsequently passed away. The person I spoke with at Capital One 360 Loss Prevention was named "T" and would not give me her last name. "T" told me she needed to “Investigate" and would call me back in 24 to 48 hours to let me know the status of the freeze on my accounts.
While I waited for "T" to call me back, I contacted Wells Fargo by going into my father's branch with copies of his will, the working copy of his death certificate and his advance directive and all his check books and other documentation he left me. I asked what we needed to do to close out the account and also told them that my father wrote a check from that account to me and my bank claims it was returned due to "checkbook stolen". The branch manager confirmed that there was a hold on the account that Wells Fargo placed due to inactivity and the inability to contact my father to verify his ownership of the account and that is why the check was likely returned.
I contacted my Capital One 360 again the following day, and Capital One's representative "T" stated that she "confirmed with someone that Mr. **** is deceased, and he has NO daughter". I asked her who gave her that information, and she stated she could not tell me who. She said my accounts would be closed, and all the monies from the checks my father previously gave me would be returned to the originating banks as they were "fraudulent". I hung up in disbelief and very angry.
I called Capital One 360 back again when I had calmed down and asked for the name of the supervisor of the Loss Prevention department as well as a mailing address and a fax number then proceeded to fax Ms. "T" a copy of my father's death certificate, my birth certificate showing he DID have a daughter, and a copy of his last will and testament reflecting that all his belongings, home, car and accounts were left to me. I have not received a response from Ms. "T" to confirm she received or reviewed the faxed documentation.
I believe that Ms. "T" never spoke to ANYONE to confirm ANYTHING at either Wells Fargo, my father’s home phone number (she did call his number and leave a message on his answering machine --- I picked up the message!!!) or the country recorder to confirm he was deceased and arbitrarily made a decision to freeze my accounts --- of which I have held for over 7 years without so much as an overdraft - based on her own misguided "hunch". Had she actually reached out to the county recorder of Los Angeles where my father’s death certificate was filed and mailed out to ME as confirmed by the Mortuary who filed the certificate, she would have found that the certificate was mailed to HIS DAUGHTER, ME, on September 23, 2013 by Los Angeles Country itself.
Ms. “T” made a decision to freeze accounts without proof of wrongdoing. She made a family’s grief into a much bigger nightmare for absolutely NO REASON and WITHOUT CAUSE. No one who is grieving the loss of a loved one should be treated in this manner - as though they are a criminal and to tell a daughter a blatant OUTRIGHT LIE that her father had “no daughter” is immoral and criminal in and of itself. The decision that some kind of “fraud” was committed by an accountholder depositing checks made payable to her prior to the payor’s death was made unilaterally by Ms. "T" and Ms. "T" alone without a shred of solid evidence to back it up. Ms. “T” of Capital One 360’s so called “Loss Prevention” department is the REAL FRAUD. This is NOT the way to treat a long time customers of 7 years.