Capital One

I was very pleased with the availability of this card and how quickly it was approved. I found the process of getting it to be a little tedious. It was approved online, then I had to wait to get a letter through registered mail where I had to go to the post office and provide identification. After that I received the card and again had to wait for the pin to come in the mail. Finally I was able to activate it. Then I had to pay $59/annual fee! I understand the importance of keeping a step ahead of the thieves, but it took a really long time between the approval and the ability to use it! I think the fee is pretty high considering the lack of benefits, but it is a reestablishing credit type card, so I’m grateful for the opportunity.

I appreciate Capital One for acknowledging me as a person and not just one of million of card holders. You know how it is when family can base your character on your past. I had a horrible year 2019, car accident, therapy, etc. so I had a difficult time keeping up with my payments, two out of 3 cards were restricted, including my precious biz card that I worked so hard for. I've had these accounts for approx 5 years or more in good standing prior to 2019. Different than a couple of my other card companies with the same history, same faithfulness, they didn't care, immediately sent my accounts to collections. My good score plummeted over 140 points to 540. Capital One did not leave me high and dry. I called in and the CSR told me my accounts were restricted. I had no idea what that meant, but after talking more with her, it was over, a done deal with the credit.

I was lucky enough to call in to Capital One for assistance with questions and concerns regarding my pre-approval and I had the pleasure of working with a rep named Hema **. This representative went above and beyond to make sure that all of my questions were answered and that I was well taken care of. What could have been an extremely stressful process was made so easy and seamless that it truly made myself and my husband feel like we were being specially cared for. Not only did she do her job beyond expectations but she actually took interest in me, as a person, and she paid attention to our conversation as if I was a part of her family.

I've always hated the 5 star system, because to me you either love them (5) or not (1). That is how I see it. If I am a longtime customer of a company and I have been a good consumer, then of course anyone would expect for that company to help out in a sitch like ours, today. I talked with Steve at the call center today regarding my 2 open accounts and the APRIL payments that I WILL have a problem paying, due to being laid off work. I appreciate the consideration and help that they offered to me. I thank the company as a whole, for taking it on a case by case basis when determining assistance. GREAT JOB Steve and CAP1!

I had multiple credit cards and accounts and a perfect payment history for years, then one month my direct deposit didn't go in and none of my bills get paid, I found the issue had it fixed but things quickly spiraled since it wasn't fixed right away, I contacted all my creditors and out of four only two worked with me. Capital One was exceptional in reaching out to me and offering numerous ways to get back on track, easy plans and even gave me the option of suggesting to them what I could do which I did not take advantage of. I took one of their offers and In two months was back on track, I was still overdrawn but my payments were back on track, once a plan was set they didn't charge me any overdraft fees, late fees, I was only charge the first non-payment fees from the two missed payments before my deposits were fixed and my regular interest.

So I am widowed and disabled and I used to be able to pay my credit cards on time until Covid19 hit and my hearing was delayed twice but anyhow I got approved back in December 2020 and I just got my back pay and paid all my credit cards off in full And guess what Capital One did to me?! They lowered my credit limit and even shut off my checking account after I deposited 100.00 in it. I think I am being discriminated against for real. This was no fault of mine yet here they are punishing me after they ruined my FICO score. I put 3 of my 5 cards right in the freaking shredder because if I can't pay with my debit card or cash then I don't need their damn cards after what this place did to me! I am furious! Don't ever bank with this place especially now. Was this Covid19 my fault? Nope. Thank God for Biden because at least he gives us food stamps SMDH. Dems keep them poor and always at war..I'm so salty right now..

So booking housing for frontline healthcare and the housing was $388.90 over my card limit. The person on the phone would not work with me at all. It's very frustrating and felt racism was at work....

Worst customer service by Capital One during a pandemic!!!!! The worst! Not helpful & NOT ethical. Miscommunication, lazy! Do not assist a customer with an issue. Capital one Actually referred to a merchant as liars and then sided with them in a dispute after I obtained written resolution.

Nowhere in the terms and conditions does it say that you cant have a credit card w/ Capital One if you have had charges in the past. I was approved for a card and have used it. They decided to close it because I have had drug charges in my past. That has nothing to do with my card that I pay on time. This is discriminating and nowhere did they ask could they do a criminal background check on me or did I approve it. Wouldn't this be illegal? They said they have investigators investigating all applicants now. Has everyone signed a criminal background check with capital one? Very unprofessional service. I would not suggest using this company.

I have been a Capital One customer for over 18 years and up until about 3 years ago they were great, the best, I used no other card and I had plenty. Now the customer service is just awful, I'm disgusted every time I have to call them and since Covid and new technology I have more fraud on my credit card than ever before. Capital One says they're on your side and going to resolve issues but they don't. I now use any other card, Capital One rewards are not worth the hassle you will go thru when a problem hits you and your card.