Capital One Secured Credit Card

I been a customer of Capital one world elite (black card) for over 10 years and easily have spent over 6 figures. They are terrible at disputing charges and dealing with fraud. And on top of that running their own fraud scheme since their agents have 0 accountability when the voice is recorded! I called in 3 weeks before my annual fee was up to verify there wouldn't be an annual fee of $120. The agent was very confused on whether or not there would be a fee but after problem solving and speaking with his supervisor he advised there would NOT be a fee. I told him if there is a fee, I would cancel the card now so I don't get charged the fee because there are MUCH MUCH better reward cards out there and better customer service and it's not worth the annual fee since there are no bonuses or any other perks offered for this card anymore.

I had a credit card with Walmart for years, I have a great credit score and just because I didn't use the card for a while I tried to reopen and they denied it. What makes me so angry was that I never closed my account, my account was in good standing. I wanted to reactivate my card and I was denied for no good reason just because Capital One could!!!! Well Walmart lost a very good customer. Then the fraud department had me on hold for hours to verify my identity!!! I should of sent my DNA! Once they did a rep said "Sorry ma'am we can't reopen it". I will never have anything to do with Walmart or Capital One!! They are a bunch of clowns!!! Goodbye Walmart. Hello Target.

I've always had great credit and payoff my Capital One Walmart card monthly and on time but they refuse to let me have a different Capital One credit card. When you call New Accounts to tell them, they don't care that you weren't approved and have no answers for you. That's pathetic service.

I have tried to close my Capital One credit card online; that is paid in full with an overpayment returning to me. I have been redirected to 5-6 different people since Tues. June 28, 2022 through Wed. June 29, 2022 @ 12:20 noon (ct). I have gotten the same response of "Why are you closing your account?" At this point in time I do not have to explain why I am closing my account. I want capital one to close my credit card today & for whatever reason they are not /will not close out my card. Not because I owe them any money. They actually owe me. Today is Wed. June 29, 2022 @ 12:26 noon (ct). Signed, RUTH

Date Credit card was open 04/27/2022. I made a purchase for $179.00 May 3, My first payment May 13/2022 I called and spoke with a representative, who I ask, what method of payment, the representative said bank information (PULL THE CALL). Capital One restored amount available back to $200.00. I made another purchase, this time $100.00. Received a letter Freedom Credit payment return on 03/16/2022 due to invalid account number. I have been established for 6 year with my bank. Never this problem. I could not understand why my bank information was invalid. I call my bank, the Teller said account show no electronic payment. I called capital one to receive some clarity and spoke to a Representative who couldn’t tell me no more than what I am telling her? (Pull the call) Account invalid. I told the representative that I want to clear the balance.

Specifically Brandon (would not give last name) fraud manager in the United States made me (their customer) feel disgusted with his treatment of me. Furthermore, he stated that the call was being recorded, and I let him know I was recording as well, and he said he would not allow me to record the call, but he can record me? In fact, if I kept recording (totally legal in Wisconsin), he would have to end the call. So there is of course much more, but I will be cutting up my cards and cancelling service with them. Poor customer service and a waste of time.

I booked an studio apartment in Hawaii. When I got there it was terrible, it was dirty, kitchen area was disgusting, and the furniture was dirty and old. I told the owners I could not stay there. They gave me back part of my money. I tried to dispute the rest with Capital One ($1000) and they would not honor my dispute. I had pictures and evidence. They said I needed to prove that I talked to the owner twice trying to get back the additional money. All I had was evidence of a call to her after I had left. They would not accept that. They wanted me to prove the negative, which is impossible. I appealed their decision, went through everything all over again and they still denied my dispute.

Capital one is charging me for interest fees and a late fee on an account that I closed on February 9, 2022. I paid the complete balance owed per the rep and added that the account be completely closed. The customer service reps weren't able to rectify the charges but agreed that I paid the full balance and had already paid interest fees for the balance I paid. It's easy Capital one, credit the current account charges and complete close the account please and thank you.

Terrible card. Had for 5 years 800+ credit score and would not raise my credit limit of $3500 despite zero balance and always pay off monthly. Amex gave me $20K instantly and Citi $20K as well. Cancelled this useless card.

Don't think to be backed up by the bank if for some reason you used their card to pay for services or products and you don't get what you paid for. I bought some Lifepo4 batteries from Alibaba which came banged up and not performing like advertised and after over a month disputing the transaction with Alibaba and trying to get a refund by sending back the batteries or getting a replacement, I opened a dispute using Capital One who dropped it because I couldn't provide all these:

After 7 months of correspondences, Capital One denied my dispute. They blamed it on Master Card rules and regulations. I bought a car part online in May 2021. I received the item damaged in July 2021. I filed a dispute with the seller. Having been a customer with Capital One for over 5 years, I had never needed to file a dispute, but I expected them to protect me and my purchases. I can't even begin to tell you the hoops that I needed to jump through for the process of this dispute. Hours of phone calls, faxes and letters, and pictures for evidence that was requested. After following all of their detailed instructions, I was asked to take this damaged part to a retailer of comparable experience in the automotive field as the seller and have him state on a company letterhead 1) what the seller did wrong

2) why the part was unusable.

I called Capital One regarding an account I didn’t open. This account Is no contract with my signature. The time was open I was sick. They said they send me mail which I never receive it before. I’m requesting Capital one to remove this account from my credit report. This account is affecting me. I called Capital one to talk to ask a few questions and the representative told me that I was having a stop and desist and they couldn’t do nothing with that. So I said to the representative of Capital to authorize to delete the stop and desist to talk about what happened to me Immediately. I authorized the representative of Capital one to delete the stop and desist.

On 7/23/21, my wife made reservations at the Great Neck Inn for a wedding we had on 9/4/21. On 8/22/21 my wife added an additional night. We checked in on 9/4/21. We arrived around 2:00PM and the person at the front desk said that rooms would not be ready until 3:00PM. We noticed that there were crews in the lobby cleaning up what appeared to be a flood. Large trucks were outside, which looked like they were pumping out sewage from the garage. There were terrible smells throughout the hotel lobby and especially the stairwells. There were terrible diesel oil fumes coming into the hotel from the trucks that were pumping out the water that was in the garage. It was also very noisy.

I have had a Cap One Venture card for several years. I spend several thousand dollars a month and pay off my card every month. I was traveling out of the country and was 6 days late so they declined my card for a 14 dollar payment. I have 300.000 points which would make the card payment for a couple years by itself and they canceled it!

I recently made a automated electronics payment for $50. However I received a email stating that I agreed to make a balance payment of $859.23. I immediately called Capital One and the agent said there is nothing she can do since it was made through the automated system. I ask if they record verbal payments over the phone and she giggle and said yes. "Well you can find out I said $50 not $859.23." She said I need to call my bank. The bank did not see the amount and it did not process the next day.

Opened an credit card account. Had this card for over a year then they upgraded my card but no limit increase but I had to phone about my address and the associate started changing my info on file. She said she's filling my occupation as a fire fighter when clearly I wasn't and I kept telling her all my info is the same. There was suppose to be no change. I told her that she's committing fraud so she just transferred me cutting me off and some other associate answered so I asked him to repeat all my info on my account and yes it was all changed. I told him that she was committing fraud on my account which they can use the recording as proof but after that he tells me I'm in good standing so he transfers me over to another department to increase my line of credit cause I'm in good standing.

Beware. Before you apply and get fool how they did me. First of all, the customer service sucks. They have no knowledge of what they doing or saying to you. They butt you on a so call 3 min hold that turns in to 30 minutes. They closed my account on 8/18/2021/ when I made my payment ahead of time, my first payment was due 9/7/2021 but they closed my account, talking about fraud alert. There was never no fraud on my account but please think twice before you apply for a Capital One Credit Card. A straight rip-off.

Took all my miles - 170,000. Closed account for 1 missed payment. Stay away from this company. Legalized robbery. 10 years with them. Bam all gone. No forgiveness. Off to the credit guillotine. Run away from this company.

Their customer service department is somewhere in Central America. It's like talking to a trained monkey or a trained parrot. There is something lacking in the communications. I'm not sure if they understand me and I have to interrupt them when they are reading their lines to get my point across.

They do NOT report to credit bureaus! I made my CL 1k to help w/ utilization. Only thing they contributed was an HARD INQUIRY! DON'T WASTE YOUR TIME!!! Go w/ Credit One! 40 points instantly! Capital One hasn’t even gained me a SINGLE point!!! I called and questioned the nonreporting and they talked in complete circles! Making zero sense! Trying to explain they do report. IT'S ONLY ON THEIR CREDITWISE phony app!!!! Which means absolutely nothing because lenders don’t look at “creditwise” when deciding if you get a mortgage or car or anything else! And the phony score on credit wise is NOT what’s on Experian!!! Don't trust Capital One! How can they be trusted dropping a hard inquiry but not a single positive report on your behalf? I’ll bet the min I skip a pmt or close that phony account it’ll be dropped on all 3 bureaus like that inquiry!!! TRASH **.

Capital One, credit card department, has the worst customer service. Hold is forever, Finally, reach a representative, she's rude and unknowledgeable. I want my deposit. I'm responsible. I pay my statement balance every month. I've had my card over a year. Cap1 Sent me a pre-approved silver card. I consider that an upgrade eligible for my deposit. I asked the representative when will I receive my deposit or will it be applied. In a shell, I was told whenever they feel like it. I asked for the policy in writing. I immediately disconnected and unable to get through to that department's call center again.

After 20 plus years of being a client… After 20 plus years of being a client with multiple credit accounts this crappy company could not step in to help get a refund for Bookit.com A company that went out of business because of the pandemic and we got screwed for 5 grand in travel... Pathetic!!.. Open credit card accounts elsewhere. I will be doing the same....

My husband passed away last year. We had a Capital One GM CARD. In trying to make sure all his bills were paid, I accidentally paid the last bill twice. They refused to give it back. Why? Because he’s dead and they can’t write a check to a dead person - even though I signed the check from our joint bank account.

I have used Capital One for DECADES, always had good credit, always paid ON TIME. I got a notice from Gmail.com...which shouldn't be affiliated with ANYTHING Capital One does. That my account had "suspicious activity" and they closed it. I only USED it for Youtube, but they also closed my account with Youtube. They said my comments didn't meet guidelines. Meaning if you DIFFER from their political agenda you are ousted. So I changed my email to an encrypted account for SAFETY. Well, Capital One happened to be using that former closed email and DECIDED that I was compromised. EVEN though I called and spoke to the FOOLS explaining WHY I switched my email account. But OVER and OVER they said I couldn't be verified.

My credit rating needed work so I applied for the Platinum card which is Capital One secured credit card. I was given $200 credit. I linked my checking account to my card and paid my entire bill each month. I was granted a raise in credit from $200 to $500 in 8 months. I used a lot of available credit one month but I nonetheless paid my monthly bill in its entirety. I discovered that I did something wrong. My credit rating dropped 42 points and my available credit was reduced to $100. Not long afterward I get an email telling me I am pre-approved for a Capital One Quicksilver Cash Back credit card with a $1000 credit line. I have no idea what's going on. I screwed up somehow with their Platinum card and lost a substantial amount of available credit plus lost 42 points on my credit score yet be approved for a better card with cash back.

I have had Capital One credit card since I was a kid and that was over 20 years ago. I made my payments on time and paid off large balances to keep the card clear. I am dealing with some hardship due to the Covid 19 pandemic that affected my income greatly. I contacted them early on asking if it would be possible just for this time of the pandemic to reduce my minimum balance of over $300 to something more affordable like $80 so I will not be in default and they told me no.

I have been a cardholder since 2007 and just recently is asking for my drivers license front and back, utility bill, copy of social security card. Never have I had to deal with this with any credit card company. Especially not over 13 years later. There has been no issues with the card, I pay all the bills on time. So they would be no need to ask for all this information. It sounds very fishy and a scam. I've known companies where their employees have stolen peoples identities. After 13 years why are they asking for this information? I am closing my account and will NEVER do business with them again.

My account was changed from secured to unsecured, which is fine. Instead of returning my deposit they attached to account and increased credit limit. Not enough to make a difference of any kind, after over three years of on time payments. When asked about why, I was constantly told they could not disclose information because I closed account. So, credit takes a hit, no open account, and lost initial deposit!!

Okay so I've had a Capital One credit card for two years now and always managed my account either online or through the mobile app. Now all of a sudden they updated their security on both and I'm unable to verify my information due to the 2 factor verification process. The only option they give you to verify is either a text message or a phone call which neither work for me since I've put a block on my T-Mobile cell phone 10 years ago as to not receive text or phone calls from suspected scam or promotional offers, and the only option they gave me was to call T-mobile and take off the block which I refuse to do because I have this option on my phone for a reason.

I disputed a transaction back in March from a charge 6 months prior. I did everything they asked. They temporarily credited me back the money. After that it was taken away 3 more times and credited 3 more times, even double by accident on their part. Each time I had to redispute the charge, and each time they asked me to upload documents in their so called secured email. I sent them all of the proof to show that the merchant was thieving my money. Yet after 3 times of credit and then taking away my credit I finally had to close the account. The dispute lasted a total of 1 year!