Capital One

I know this is going to look like a book but this is a lengthy story. I am an eBay seller. Recently I received an email from Paypal stating someone has filed an "unauthorized charge" on their account. The amount was for $480.00. I had been talking with the customer during the time period he purchased and he seemed to be very happy with the item he bought. We even chatted back and forth several times before and after the transaction took place. I can't really blame this on PayPal because it's Capital One's fault. They illegally instigated this entire thing. When I got this email I was kind of bewildered and after talking with PayPal, even more disconcerted. Pay told me that "The customer had filed a charge back stating they had not AUTHORIZED the charge:" And then they stated, "Sometimes the customer doesn't know that the DISPUTE HAD BEEN FILED"... Meaning that they randomly do this of their own free will.

I submitted an application to Capital One for a balance transfer in the amount of $9000 to pay off another credit card. This request was approved by Capital One and the balance transfer was said to be completed on April 28, 2018 and my account was debited. The payment was to be received by the other credit card company by May 24, 2018 or I would be charged accrued interest (This was a 0% promotional interest rate for 12 months. If not paid by the deadline a 30% interest rate would be applied, which amounted to approximately $8000). On May 26, 2018, 2 days after my payment deadline I received a letter from Capital One stating that the payment had not gone through because the check was returned.

First time in decades that we did not receive paper bill, so missed payment. As soon as it was discovered, we paid in full and asked for interest forgiveness which was granted. Received more interest on next bill even though bill was paid on time according to paper bill received. Spoke with JoLisa who was VERY rude. Said that due date was changed for next bill although we did not receive notification. She said that there was nothing she could do to help. When asked to speak with someone else, she said that there was no on else to speak to.

I do not appreciate the sound 'mmmmm' coming through the phone cutting me off every time she asked me a question. I had the worst customer service experience with these people. They are rude and do not care at all about their customers. Do not bother with Capital One. NOT WORTH IT.

I have spent many years on the internet reading reviews by people whom say they have done business with others, and were treated falsely. While a minority of those internet postings preclude other important factors. Some are honest. Years ago I had a Capital One account, and for unforeseen reasons I defaulted on amounts I owed. Enough years went by that eventually all of the credit reporting agencies purged every record of all of my accounts Which included finance companies, loans, major credit cards, closed store cards, and gas cards. I decided to apply for a Capital One credit card, expecting to be declined, considering I have no accounts showing.

I have been a Capital One customer for about 15 years. Never was late with a payment, never posted any complaints. My interest rate was in the 6% range for years. Then they raised in to 12% in one jump with no explanation. The next raise went to 16% and when I called to ask why I was told and I quote: "Because we can." I called today to ask for a realistic rate and was told there was nothing available. The rep went into a spiel about regulations and current economy... Didn't take me too long to shut that down. When I told her to close the account she said, "Sure, no problem," like my business over the last 15 years didn't matter. And you know what? It really didn't... these people are greedy and nasty. Loyalty meany nothing. Stay away from Capital One. By the way, Capital One: I have another card at 6% and they're great!

I paid the card balance and was still charged $17.11 in interest. I called and spoke with a supervisor and the response I got "Unfortunately, I can see your intention was to pay the card off, however, the interest was incurred and there's nothing we can do". REALLY, I've never had any late charges or overdrawn the account and Capital One is not willing to write off $17. I will never use their services again!! What's in my wallet - NOT Capital One...

My claim against Special Ops Moving Service was denied without any correspondence from Capital One. Alexis was the processor. She failed to investigate the claim to ensure that it was valid. She basically just went through the process without using critical thinking. She lied in her notes stating that she contacted me by phone and didn't receive a response. She decided that the contract agreement Special Ops Moving Service sent was valid. I spoke to her and based on our conversation, it was determined that she didn't read the contract agreement thoroughly, never mailed out a claim form, never research to make sure that the address on file was correct, and never asked for supporting documents to assist her in her decision. I will be looking for another bank and will be leaving Capital One. It's clear that they aren't going to support their customers.

I have two business which both use American Express credit cards. Not thrilled with the rewards and the fees, I switched one business over to a Capital One Spark card last year. The card has been great and the rewards are much better. That being said, I decided to replace my American Express cards for my other business with Spark cards. Here's where the problems began. I couldn't activate my new cards once I received them. I was told that I had to call the Fraud Dept because my identity might have been stolen (BS). I called and got the immediate run around. I was put on hold and transferred to four different people who each read me a boiler plate statement.

This company takes a chance on consumers. Even after having financial issues involving this company, they took a chance on me. I have 3 credit cards through Capital One as well as an auto loan with a very decent interest rate. I waited a long time and slowly brought up my credit score to ask for an auto loan. I walked into dealership, and I told them I had financing. They encouraged me to look at other sources, then told me they could not help me. I brought out my Capital One pre-approval, and my financing went through in minutes on my brand new vehicle. The interest was .44 more than quoted, but I had no complaints.

I deposited a check, the teller said 100 was available and my funds would be available the next day. So of course it was not. Ok then. So I go into the branch and the banker had to call the phone banking and I was transferred to a security dept. Now I’m already frustrated, this rep is busy laughing and have convo with her coworkers... nothing was explained. So I called myself and the next rep said the whole check will be held till the five business days is up. Ok. Now why does the balance keep going down... if the check is on freeze. My balance with this bank always goes from low to highs and I don’t understand this. 'Cause I closely monitor my spending and funds. The bankers rely on phone support 'cause they don’t what they are doing. And phone support sounds like they make up as they go along. Worst bank ever!!

I had to make a second request to Capital One for a new credit card. The first time, even though I did give them a new address, it wasn't updated within the system. This is why I have another credit card for instances like this anyways. In this latest request, I received nothing but the utmost professionalism and assistance from Rochelle when calling into a live representative. The spin off of Signet Bank was one of the first adopters of utilizing data science, so I know that they would probably benefit more from giving discounts for customer retention over trying to pull in a new customer to take my space, so I asked if she was able to assist in reducing the fee for the late payment I accrued as I was absent minded and forgot about the card that I wasn't using for two months.

I have had several different accounts with Capital One since 2008 and have always keep them in good standing. In March I found out that my information was leaked due to the Equifax breach and I was one of the 5% that were immediately affected. During this process I found out that I had some fraudulent charges showing up on my bank accounts in the form of ACH bank drafts. In return my bank suspended any bank drafts until we knew everything was taken care of. I had 2 payments scheduled and they were both returned due to the freeze on drafts, which the bank had initially said they would allow but long story short they didn’t. No big issue in my mind, I will just schedule a debit card payment.

I have to agree with everything that I have read about Capital One. It's really nearly impossible to deal with these people. I filed a dispute over an eBay purchase where I got ripped off and Capital One makes the process so long and drawn out that it's impossible to get anything done. You have an eBay sellers selling illegal seeds and according to eBay's own policy, these people are not following the guidelines NOR state and Federal law. And even eBay's own person with whom I spoke admitted that this seller wasn't following policy but neither eBay, nor Paypal NOR Capital One made her refund my money. eBay's making too much money off allowing the illegal sell of seeds and PayPal is owned by eBay so they'll back anything they do. Capital One gave me no protection either even when they agreed with me.

I went on to their site paid the current balance on both mine and my husband's account. Balance says 0 due then I get another statement stating I owed finance charges so I called them. They said finance charges accrues daily. I said okay but I paid it and it said 0 balance due. They would not waive the finance charges and they didn't care that I close both accounts. I would not recommend using Capital One.

I’ve been a customer with Capital One since 2015. I started out with a secured account and was offered an unsecured account. I got the Quicksilver account and within six months my limit was increased due to good payment history. In April, I had identity fraud on my checking account with Wells Fargo and it was restricted by them after my payment was scheduled, so Wells Fargo blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but Wells Fargo rejected the transaction twice so Capital One restricted my account and closed it. This is after years of exceptional payment history and no returned payments.

I am very unhappy with the way Capital One handles credit card. I applied for a credit card and got approved but with very low credit limit. I was trying to talk to customer support to increase and she goes forward and cancels my card as they can assess my account to increase my credit limit. When you can access my account to increase my credit limit how on earth can you access to cancel my card. Such a rude service and irresponsible and unprofessional people. I wish I knew her name or something. I will never recommend Capital One to anyone. I got credit check on my record literally for nothing and now there is going to be cancellation reported to credit history. Such annoying and very unprofessional service I have ever encountered.

I have Capital One Venture credit card which had a limit of $20,000. I got a mail from Capital One stating they are decreasing the limit to $10,000 and they gave me below reason: "Current account not used enough for assigned credit limit." I have a spotless payment history with them. The reason is unacceptable and none of other credit card companies ever done this. I called the customer service department and they were unhelpful. They couldn't understand the simple math that it could have adverse effect on my credit score. I have had trouble in past with Capital One. I highly discourage people from using Capital One services. Two of my friends had the same issue and their terrible customer representatives made it even worse. There are other great alternatives, opt for them.

Where is disappointed. Capital One declined me for a credit card. The reason they're telling me I open my account eight month ago. I will never carry Capital One card anymore. Got the hard inquiry for nothing and I'm going to close my existing card. I would not recommend Capital One cards.

So I applied for a credit card and was approved. I provided them with my banking information. Two weeks later I received a letter in the mail stating that they have yet to have received my deposit money. So I call and speak to someone on the phone who takes my money out of my savings account directly. I wait another month. The card arrives. I try to activate the card and the account has been closed. Apparently it was closed when they took the money out of my savings account because they don't do debit accounts.

I had my card for 16 years old and paid the card. Call Capital One to ask to lower my interest rate. They stated it could not be done. I was paying 24% and I guessing for the whole 16 years. Silly me, huh, I know. I will never apply for credit with Capital One again; and I will tell others not do so as well. What's in your wallet; shouldn't be Capital One.

I have tried several times to redeem my cash rewards - over the course of many, many days. Each time their website stalls and indicates bogus data which precludes them from cutting me a check, such as my address on file is inaccurate (it is accurate), that the service is unavailable at present, etc. I am just getting this very bad feeling that their website is rigged to stall and be unavailable to redeem cash rewards. The other thing is that engaging with their "real" customer service team is a horrendous experience: unknowledgeable, unhelpful, and downright unprofessional. IS THIS COMPANY FOR REAL? I am getting a very bad feeling about doing business with them.

This is one of the worst banking experiences I’ve ever had. These people don’t do their jobs, and they don’t care about their customers, or retaining them. About three weeks ago, I responded to a text message offering lucrative $500 weekly payment for them to put advertising script on my car. When a check for $2,550 drawn on Capital One arrived in my mailbox, it seemed suspicious, so I deposited it in my Capital One checking account and told them it would take 10 business days to clear. Capital One cleared the funds right away, but a few days later the check bounced. I could have taken that money out in cash, and left Capital One holding the bag. I chose not to do this.

After having been with Capital One for several years (20+) I was sent an email stating that my credit card was going to be blocked unless I called the company with my physical address. I had been using my PO Box for years, as many residents in Hawaii don't receive regular mail delivery to their homes. So after many years, Capital One thought it was imperative to have this updated information. I called and gave my address and was told everything would be taken care of on their end. A few weeks later I received another email from Capital One indicating that my account had been closed for not having provided a physical address. I called again. I was told that it would be approximately 7-10 days for them to review my information and they would decide then if they will reopen my card. I was sent a letter stating they would not be reopening my account.

You guys are the worst company. I was stranded overseas and you did nothing to assist me. Your customer service representatives were less than helpful. The one customer service representative even refused to continue answering my questions and hung up. I finally spoke with one CSR from Capital One who helped me when I had to call Mastercard directly who then assisted me. I have two credit cards with you. You only replaced one card.

After six months of being patient trying to work through a dispute with Expedia I ended up closing the account. This is not a company that will fight for its customers. I paid to have a flight rescheduled that was then cancelled by the airline. Neither the airline nor Expedia would work with me on a refund. Capital One drag this out for SIX MONTHS and I patiently worked with them (shame on me). After six months they told me that it was too long to pursue this any further and washed their hands of it. I cancelled the card with $130 in points left on the card which they would not refund me. Hopefully they use it for personality training for the supervisor who handled my case because she has NONE.

I have been a customer for Capital One Bank for many years. I have checking, savings and venture card. This past week I have been super disappointed with their banking. I have deposited 6K check on the 26th which is still being reviewed. They are telling me they have some concerns with the amount, while the check was from my husband’s account and it cleared his bank the same day on the 26th. I wonder what do they do with all these deposit checks and why do they hold them from us? I will be moving all my accounts to a better bank that will have my funds available within reasonable time.

I have been with Capital One for many years. Although I haven't used their cards much recently I was surprised to see that my interest rate was almost 25% for my two (2) credit cards. I use them when I order online and travel as they are not connected with my banking institution and therefore help in minimizing fraud. My interest rates started out at less that 10%. I subscribe to automatic payments in addition to paying extra each month. I called today to inquire about the 25% interest rate and was advised that Capital One adjust rates every six (6) months and that no adjustment to my rate could be made now. I cancelled both of my accounts and will pay them off within the next two (2) months. What a parasitic operation.

I have been a Capital One customer since 2007. It was bad enough when they jacked up my interest rates (for NO reason) literally the day before the Predatory Lending Act was signed in to law (from 7.9% to 17.9%, and from 8.9% to 18.9%), but they have consistently refused to lower my interest rates ever since. After my husband suffered a stroke and congestive heart failure, my high deductible insurance made it necessary to carry a balance on the cards for the first time. As a result, I ended up with $6,500 on one card and $4,600 on the other. After yet another failed attempt to have them lower my interest rates, I took out a personal loan to pay the balances, and then I shredded the cards. Didn't close the accounts because I don't want to impact my credit score, but it will be a cold day in hell before I do business with Capital One again.

Capital One is a ripoff company. CreditWise is a fraud. They're not reporting accurately about your credit report. CreditWise is telling you your credit report is one thing when it's really another. Call the credit reporting company. That's what I did. They told me I had a student loan. I didn't. They told me my credit score was 500. It was a lie. A lot of what Capital One tells you is not true. I knew it was not true because my credit is locked so how can you report on my credit if my credit is locked. That company commits fraud all day every day. I advise everybody to close their credit card. Pay it off as soon as possible and close it. They're not helping your credit score. They are damaging it. Their representatives can't answer common sense question. Get rid of them ASAP.