Capital One

I believe you should always show and share your appreciation for kindness. So I need to share my experience with my Capital One credit card. Please take the time to read this, I would greatly appreciate my story being heard. With that being said I called to make my payment via phone November 1st... I was confused to hear the automated balance was $700 dollars less than my statement balance. I quickly pressed 0 for customer service. Long story short I insisted to escalate the call as to the fact I thought it was an error. It was brought to my attention that my active duty husband enrolled us in SCRA (Servicemembers Civil Relief Act). It’s a program that lowers interest rates to %4, not late fees or membership fees and no finance charges for the duration of his deployment.

Sit on hold for over an hour. Restrictions on every online purchase. Why have a card that is not convenient. Respond to calls! This company is not customer focused. It is disappointing because used to care about the consumers.

I got a secured card to increase my credit and about 2 months in was told I created fraud and had to send in all this documentation to prove that the checking account I used wasn’t mine. I sent in all docs and was told to wait 72 hrs. 72 hrs pass no call so I call. The representative states, "Oh we need more documentation and it’ll be another 72 hrs." I call yesterday and was told I have to wait another 72 hrs. So 72 *3= 216 hrs of hell. I asked the representative why would I want to build somebody’s credit and he couldn’t give me an answer so I told him, "I get it. Y’all have no answers for me and can’t answer any questions without lying. I get it." My credit score dropped due to their nonsense. I have a Citicard too and never had an issue. Capital One has been jerking me around and I’m over it. Time to find a company that has better class.

I had my identity stolen several years ago, and added additional security to every credit card, loan, and bank account I have. Capital One ended the additional protection I had, did not notify me, and sure enough, my account was compromised. My address on file was changed, and a replacement card was sent out to this new/fake address.

I called to speak to a supervisor, he gave me the name "Shaquille". What for customer service was very rude to me, had a bad attitude, raised his voice to talk over me then after refusing to give me a name number or another supervisor, he hang up on me! After being a loyal customer for 2 years I canceled my Capital One credit card thanks to his poor customer service.

I have been a customer of Capital One for nearly 6 years - I started out with a secured card, then was granted a GM card and a Quicksilver card. The top limit is $750 on the Quicksilver account. I have never missed a payment, paid more (many times a lot more) than the minimum due, and keep the utilization rates low, which is hard to do when the limits are so low. I have asked for an increase for 3 years and nothing. I have other accounts that have $10,000 to as high as $20,000 limits - my credit score averaged 736 for the past 3 years. I don't get it - it's always one excuse after another. I may just close these out soon - not worth having.

My 23 y.o daughter who already has credit score around 700 (due to paid off student loan and keeping a checking account since 15), full time job, and an account with Capital One for small car loan, has applied on-line for their credit card in response to offer sent directly to her name. Her on-line application was immediately approved but then their fraud department called and informed that they put a block on this newly issued card because my daughter's address on the card application was different from the one they found by doing hard check on her credit report. They requested proof of residence, copy of identification, and SS card to be sent to them over internet, supposedly safe URL, but who can guarantee safe transition was not their concern.

So my wife applied online and gave her bank information for a $100 deposit. TWO separate $100 debited from our account. Complained to our bank and got $100 back while still pending. Card came in mail and wouldn't work. Capital One said they mistakenly canceled both accounts and we have to wait 70 DAYS FOR OUR REFUND CHECK. 70 DAYS!!! DIRTY ROTTEN THIEF **!!!

I open my account in Capital One online and then I deposited my cheque and I wait and then they said that it is bad cheque and I call the customer care service and ask what is going in my account and they said that they restrictions on my account and also deposited my cheque. They are not given my back. They said if they will gave my money and then are going to suffer loss. I have totally bad experience.

When a customer trying so hard to make their payment on time they should appreciate them and try their best to help! Not charging them late fee for a stupid issue. When you set up an automatic payment, you are assuming that your payment will go through on time so you don't need to worry about getting charge for late fee.

I believe they should hire more professional customer services representatives. Syvia ** is a customer service representative. She was so disrespectful, unprofessional and had the worst attitude ever. I believe if Capital One wants to lose their customers, they should hire more of her.

We've been very satisfied Cabela's customers for decades under the 'old' Foremost Bank card/terms and have NEVER had issues, even when I lost my wallet on a California trip. Since the purchase of Cabela's by Bass Pro, it's been a depressing time dealing with Capital One. First a letter to each of us (his/her accounts) outlining the new terms and conditions with new DIFFERING & much HIGHER interest rates. Upon calling I was told 'something detrimental' upon my credit report was causing it. With a new home purchase and a score of 823? I thought not and canceled my account/card. The last 3 statements keep reflecting an ever increasing interest rates.

I have had Capital One Platinum card for 4 years, actually two different credit cards with Capital One. One day they call me and tell me that they have closed one account because OF fraudulent OR suspicions on where my payments were coming from. Both cards received monthly payments from the same account yet one is suspicious and the other is not. I have been calling Capital One 3 times a week FROM END OF July 2018 and now is October 26, 2018 - a phone call lasts from 45 minutes to an hour and half, each time I speak to customer service representative I am transferred to some sort of a supervisor or manager who says they will have a resolution and my refund in 3 to 5 business days. I call every week 2 or 3 times and each week I am given a different version of what is going on where the refund check is. NEVER EVER USE CAPITAL ONE SECURE CREDIT CARDS. YOU WILL NEVER GET YOUR DEPOSIT MONEY BACK.

Applied and received the Capital One Platinum Card with a $300 limit. I was very pleased because I’m 100% committed to rebuilding my credit. After 6 months of using and paying off my card every month I was rewarded with a $200 credit limit increase on 10/18/18 making my overall credit line $500. I was thrilled. Then on 10/23/18 I went to pick up a prescription at a local pharmacy and was told my lousy $10 purchase didn’t go thru??? So I called Capital One and was told I wasn’t a good credit risk and that they closed my account. Like WHAT???

Been a Capital One customer for over 15 years and recently tried to add a small business card. Easy right!? WRONG. Capital One is so incompetent, they have spent two months trying to verify my identity and I AM ALREADY A CUSTOMER! LAME!! Try to call and get put on hold for 30 - 60 minutes at a time only to reach a call center in some foreign land who cannot speak English with a bad connection. They can't do anything. I actually applied for an AMEX business card while I was waiting on hold with Capital One and it was approved instantly and I received my card in a week. WTF Capital One? Why are you sooo lame? Fire everyone!

I've been a card holder for years. I've repeatedly asked for an increase or for a lower interest rate and I was always turned down. Mind you, my credit is very good but they have always refused. I finally transferred my entire balance over to a card with 0% interest. They still charged me $4.05 interest. I asked for this amount to be waived and they repeatedly refused. This is a terrible card with terrible customer service.

Capital One REQUIRES a paper check mailed to North Carolina to pay a credit card account balance and then claim "It Must Be Lost in The Mail" Hurricane Florence? Spent 2.5 hours chasing down this story on telephone and heard several reports that Capital One has problems. I agree.

Looooong story, short. I applied for this PLATINUM Credit Card online. I was approved immediately for a, 200.00 credit line with only a, 49.00, deposit. I was planning a trip, needed this card for deposits on a rental vehicle...so, I sent a extra payment on 10/3/18, for 100.00 and also a second payment on 10/04/18, for 105.00, thinking it would be applied to my credit card, wrong.

I called to cancel my card, and after waiting two weeks, I still haven't received it. I called four times and each time the agent says that the prior person did not process it correctly. This is a shame. I will not be using their services again. I can't wait to pay off this card and be done with their crappy customer service. Worst experience of my life.

Where do I begin? Well I guess I’ll start by saying that I have a brokerage account with TD Ameritrade that also has checking account functions for bill pay purposes. Since my Capital One card would only except ACH payments I had to use the routing number and account number to make my payments. This first mix up was 100% my fault I’ll admit. I entered the routing number and my brokerage account number thinking that was the same thing. Well it wasn’t and I found out when my payment got rejected. I called TD Ameritrade to find out what was happening and they explained to me that they provide a different account number for checking purposes. She gave me that account number over the phone and we verified that I had the correct routing number which I did.

This the second time I have been rejected by Capital One for a prescreened credit card offer. The offer gives the applicant A $150.00 bonus if $500.00 is spent in the first 90 days. So I wasted my time filling out the application only to be rejected. To be clear I do not believe this was a good faith offer to begin with. I was asked if I was interested in or planned to transfer any Credit Card balances among other questions.

These one star reviews are pathetic. “Didn’t give me enough money”, “gave me a hard inquiry”, get a life! Capital One has been good to me and my business for years. Great service for a huge corporation.

So I am applying for new credit card, and I am getting $500 credit limit. You gotta be kidding me, I have 10+K credit limits with Discover, Chase, others. And these guys do hard inquiry in Equifax and TransUnion in same time - this is lowering my scores right away, so I will have low score for next 2 years basically. My score 800+, but Capital One designed their approval to crash it to lower than 700 in just one card application. I am so mad - I can't express it better than giving them 1 star - AHes! Will cancel my application ASAP, will go to Bank of America, at least they not so harmful to credit scores.

I had a Capital One credit card, made my payments on time every month. One month, due to an emergency, I missed making my usual payment via a check in the mail, so I called Capital One and made a check-by-phone payment so it wouldn't be late. I was doing very well in making on time payments and didn't want to ruin my credit rating.

My accounts were hacked by thieves thru the offered service Zelle. Since then nightmare after nightmare along with horrible customer service and I am still having problem after problem 2 1/2 months later. I keep threatening to move my banking. Well looks like that will be a reality this week. Walking away after having my account so long in one place. I have seen the bank go thru 3 buyouts and end up being Capital One. So unhappy.

A closeout check was sent to me on 3/22, received on 3/26 in the amount of 4,277.92. Someone at Capital One chose to stop payment on it prematurely rather than wait for it be received on my end. I deposited check on 3/26 to my Suntrust account, obviously not knowing the check was no good...I left for vacation the following day on 3/27, was picked up around 8:45 AM and left for Las Vegas until April 3rd. A second check was sent via UPS next day air and delivered on 3/27, intercepted and fraudulently cashed by someone else.

I have had my Capital One card for about a decade now. I use it for online purchases, out of town purchases to try to prevent fraud. Never missed a payment, never paid late. Always paid a minimum of triple the monthly payment. 3 years ago my dad was dying (and passed away 3 weeks later). I asked them for an increase to fly to see him as I need a last minute ticket. They denied me, and didn't care. I used my bank card (my own money) and went to see my dad. I am to this day ticked about the insensitivity about that. I was so mad I paid the card off, but kept it. I should of closed it. Over the last 3 years I ran it back up slowly to about $4k. So over the last 6 months I once again paid it down to now owing $850. I made payments of over $3k during that time. I am moving across the country, and don't trust my bank account card with movers which is again, the only reason I keep my one and only credit card.

Today, I called Capital One credit card services regarding a late fee of $25.55 on a recent charge of $38.59. The payment was due on 10/15/18 but was not received until 10/16/18. Having been a customer for years I called Capital One and asked if the fee could be waived as I have been a customer for years and normally pay on time or prior to the due date. I was denied. It's pretty sad when a credit card company is so greedy that they would rather I cancel my account than to offer waiving my fee. Very dissatisfied ex-customer.

I opened a credit card with Capital One a few months ago. Got a call about a claim that I never filed. Called back and spoke with a “supervisor” at the fraud department this morning and she told me my account has been closed due to fraud. Is this for real? Closed my credit card without any notice and the worst part is they can’t even tell me why!! This will wreck my credit report and I’m currently looking to purchase a car and was thinking of using them. Thank God I have not. I had no balance on this card and always paid in full. Never carried a balance. This is beyond ridiculous. I filed a complaint with the BBB and will leave this review on every credit forum.

For over 5 years when I have used my Capital One Credit card I have never paid past the due date. Today 10/18/2018 my payment is due. After a long day at work I come home, sit down to relax and pay my bills. I logged into Capital One to pay both my Capital One cards only to find out that they have added a late charge because my payment was not made before 8pm EDT! Since when is this a requirement that I have to pay before 8pm EDT!? Really!?? So I looked at my payments going back a full year and I never received a late fee for paying on the due date. ** Capital One! Shame on you for scamming your customers!!! So, I paid off both cards one with a balance of 2,200 and the other with a balance of 253.00. Not huge balances so no biggie and I will gladly wake up an hour and a half early tomorrow two close both! I will go back to my USAA and Navy Federal Credit Union cards and I will NEVER use civilian banking again!