Capital One

I spoke to a gentleman I believe his name was Kerry? Or Terry? Point is he was absolutely amazing. I was helped as soon as I found out someone else was using my card. Even though it was 11:30 at night! I have never on the phone had someone as helpful professional, and just plain awesome at handling a stressful situation for a customer. He reminded me multiple times that everything will be alright and that Capital One will take care of everything. His kind words and EXTREMELY professional demeanor were refreshing and amazing to see. He definitely deserves this review, and represented his company so well that I have a completely new view and will be keeping my card for a very long time. A++++++++ service! Thank you!!!!

I am customer since 2011 and very proud to be a Capital One credit card holder. For the first time, I been in a situation which I did not know what to do. I decided to call Customer Service help center and I lay out the problem and they work it out with me step and step to reach my goal. I will recommend everyone to do business with CAPITAL ONE, or be a card holder. I am very satisfied and proud to CAPITAL ONE card holder. When you deeply need it in your darkest, they will make you see the light. Once again, thank you CAPITAL ONE, may God bless your business.

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.

I would like to rate my experience MUCH higher. My nightmarish financial situation started spiraling downhill two years ago. I've had my Platinum MasterCard card for over 5 yrs and had maintained an excellent payment history until just about a year and a half ago. Medical costs started piling up, my husband went on FMLA and lost 40% of his income, then went on SS Disability and lost another 20%. Through it all, Capital One had my back. Sure, late fees and finance fees started piling up until it wasn't long until I was over my credit limit. I was PROACTIVE and called them as the signs of trouble with being able to meet my payments FIRST began.

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.

My payments fell behind due to personal issues, so I set up a payment arrangement to get back on track. My card was fine and they said everything would be ok as long as I paid as agreed. I did just that and got caught up and now they have restricted the card. Called to ask why and they said because I fell behind in payments and explained to them that I followed the payment arrangement and have been making on time payments since then and below my credit limit by a lot! They said my restriction will not be removed and may just stay on there until paid off while at the same time they still are able to charge me interest each month?? Why aren't they restricted from charging me interest if I cannot use my card? They said even if it restricted they can still charge the interest which is ridiculous since my card should have never been in a restricted status in the first place.

Worst customer service. Capital canceled my card without telling me and never sent a replacement. Found out after my card was denied repeatedly. Their solution a senior acct. specialist by the name Edgar, was to ship me a card next day. Great this was on Thursday so he says it will arrive Monday or Tuesday of the next week. So case in point no customer service no legit solution and they themselves had the fraudulent activity by replacing my card that I never agreed to it or requested.

I have had 2 Capital One credit cards for 13 years. I have been paying an annual fee on both since I’ve had them. I decided to call and see if I can have my cards converted to ones that have no annual fee. I was told that in 2006 when I got them I agreed to the terms and conditions. I agreed that I had however as a long time customer I wanted to see if they could reward my loyalty over never having had any late payments. I was told that “there are no upgrades available to you” and basically it is what it is. So I could apply now....as a new customer and get a card with no annual fee but since I’ve been a long time customer I’m stuck with the fee? This is a terrible message you’re sending to your long time customers. Why am I showing loyalty to a company that doesn’t show any to me?

A little over a year ago I applied for a Capital One credit card. I was approved and sent a card. Upon arrival of the card I contacted Capital One. I told the representative over the phone I was no longer interested. I asked for it to be noted on the account, to close the account and I was mailed a letter stating the closure. Fast forward to today, out of the blue I received a statement. It showed my line of credit and a zero balance. Immediately I contacted Capital One. After going round and round with the manager on duty the card was closed. Not one time in over a year did I ever receive a statement of any kind. I had no relationship with Capital One. How is this even possible and how can I trust this won't happen again?

I've put well over a hundred thousand dollars through this credit card over the past 10 years. In this case, I bought an item which arrived not as described (broken). Filed a dispute, got a chargeback. The seller got 45 days to respond. On April 10th I saw that this charge was rebilled on April 01, called in and was told that I only had until April 23rd to respond (which means that even if I saw this right away, they still only gave me 23 days vs the 45 days the seller received). I said that this can't be right and that I would dispute this discrepancy once I received an actual letter statement to this effect from Capital One. The letter arrived on April 17th and stated the case was already closed! So the seller got 45 days to respond, I was told over the phone that I would get 23 days for my response and then by the time an actual letter arrived 17 days later - the case had already been closed!

On May 8 I was browsing through my reward points looking at pricing for a potential vacation. I was doing some comparisons and mistakenly clicked to redeem 44,000 points with JetBlue. Immediately after I realized my error I contacted customer service at Capital One to alert them of my error. In conversation with the level one rep they understood my concern but we’re unable to assist. I then requested to speak to a manager and was transferred accordingly. In conversation with the manager he stated that there was nothing he could do to correct the issue. When I asked to speak to his manager he claimed there was no one higher than him then I could talk to. He was a little rude in his tone and suggested we contact JetBlue directly.

If you plan to open an account and use it right away, this is NOT the choice for you. I opened a 360 savings account 1st, on 05/02 and transferred $5 from my already established non 360 checking account. They do the verification with 2 small deposits into your current account to verify. This finally happened on 5/7. I verified the amounts and thought ok cool I'm good to go finally, and transferred a larger amount. I had opened a 360 checking account in between transferring another $5 to start. I read up online and kept seeing check deposits are usually available the next day. So I went ahead and deposited my paycheck into the 360 checking. Nope, they are holding my paycheck for a WEEK before it will be available.

Omg, I just had the worst day dealing with Capital. Few days ago I used my card purchasing online. Then notice from the company that I purchased from stating I was denied. The another company stating I was denied. So then I finally called Capital One asking them why I was denied? Then the drama start. Questioning all kinds. Wtf. I was just using my card to purchased online. What is the credit card for. I look up online. I did not see anything suspicious charges. I verified my purchased to the Capital One agent.

I rarely use my card and recently placed $10 on it and never received any notice or alert via email or text that a payment was due. I happened to check the app tonight and was also charged a late fee that would harm my perfect 831 credit rating. I attempted to call and speak to someone at Capital One but was told I had to speak to a supervisor only and that rep could not speak to me. No one came onto the line when I was transferred and I tried a second time. After being on hold, I was told they could not tell me when a supervisor would be available. What a scam.

We closed our money market account to move to a bank with a better interest rate. We waited 11 business days for our final check for funds held. I called and they could not even tell me if they mailed the check but they would have to take 3 days to stop payment and then take another 10 business days to issue another check which they would NOT send with tracking so NO ONE could ever prove that they ever sent check.

WARNING! SCAM ALERT! DO NOT GET A CAPITAL ONE CREDIT CARD. If you make your payment early they charge you twice. I just got a card from them on April 14, 2019. My first payment was not due until May 28, 2019 so I decided to make my payment early so I wouldn't have to worry about it at the end of the month and made my payment on April 25, 2019 for more than the amount due. Now they are telling me I still have to make my first payment on May 28 even though I already paid it. That is like paying your electric bill early and then when the bill gets there they charge you for it again. Capital One is a rip off.

I have been with the company for 2 years and got about it $200 increase. I have never been late, I've paid my card off in full several times and have built my credit to over 650 from under 550. I just got a $15,000 line of credit from a different company but they won't even increase me to a $1000?!? It's pitiful and it's sad. If it wasn't for me trying to get a home I would cancel this crappy card a long time ago!

Everything I was promised re this co has been a 100% LIE. My balance was always at zero, and I have automatic payments. For NO reason, I could not use my card at my local, regular grocery store. HOURS of calls later, to reps & managers who REFUSED to escalate my call yet could NOT speak fluent, understandable English, I finally got a woman who gave the most ridiculous excuses re why my purchase was denied ie it was an unusual sale. NO, it wasn't.

I have had an issue with accessing my account online for several months now. I've called back well over a dozen times to get help with this. ZERO support has been given. There have been numerous excuses and promises to fix the issue and I've been told to call back in a week. Capital One does not return phone calls supposedly. It has been a very VERY frustrating issue and rather appalling at how little Capital One cares on fixing an issue with their products. This Credit Keeper app keeps trying to get me to sign up. It has been horrible. I would not waste my time with such a terrible product.

For years I never obtained a credit card due to my credit score. I kept getting all these ads in the mail for preapproval so I finally decided to apply due to me going out of town. Was approved for $300 credit limited which I was grateful. I kept trying to sign up to pay online and it kept saying can’t verify. So I called to made a payment and asked about why I couldn’t pay online. He asked for my Social Security stated that my Social Security number was inputted incorrectly per Capital One. He proceeded to tell me he would have to get me over to the fraud department. Mind you I was not happy with the customer service person. She kept me on hold for 45 minutes. She stated I would need to verify who I was. Sent the information.

I called in last week to verify the debit card I had active from a previous Capital 360 checking account will transfer over the recently new checking account that I opened and was told by a customer service agent that it will. So I called again on 05/02/2019 to verify that the card will work because I will be receiving my direct deposit on Friday and was informed by a different customer service agent that it was closed and could not be reopened.

I received an invitation to open a credit card account with Capital One. I applied and was approved. Fast forward 6 months, in that time, I ended up getting a new phone with a new number. I went to pay my bill for its most recent cycle. Upon using my new phone, it did not recognize my IP address. The only way to sign in was to verify from my old phone number. It is not in service. I call the number provided. Fast forward almost an hour of being on hold, they could not authorize me to change my phone number. I do not have an I.D. Granted, they never bothered asking for one when I applied and was approved. I got this credit card without an I.D. I am 86 years old. I don’t drive. I have no need for one. So I have been making due as is.

Capital One gave me a second chance when nobody else would with a credit card with a $300 limit, and after 6 months of my prompt monthly payments they raised my limit to $500. Later I got an offer for a car loan (which I desperately needed)! Thank you so much to Capital One for giving me the opportunity to rebuild my credit and my car loan when I desperately needed it!

Applied for Spark business credit card, received the card, told them had to have paper statements mailed to business, instead statement was received online. Bill was not paid on time because they screwed up, charged late fee and interest charge. Next month more problems. Long story short, bill got paid twice. I cancelled card. They sent info to collections dept. Now they say I will have to wait up to 90 days to receive a check for 2100 dollars that was overpaid. Chase credit cards are the way to go.

Saw ad on TV for Savor card. Applied and got the card. Used it for five months, and was able to get great $$$$ on Rewards as I purchased Season Tickets for Cardinals baseball. Out one day, tried to use card and it was declined. Called customer service and was told the account was closed, and decision was not reviewable. Was given no reason for the action taken, and was told I would receive a letter in the mail, which after a month I have not received. Only thing I can guess, is they did not like the $$$ paid out, as I did not carry any balance, so they got no interest income. If they want to offer the 4% then live with the cost of the offering. POOR way to treat a customer!

I have a checking and 2 savings account with Capital One. Yesterday I made too many transfers from my savings account to my checking account. This resulted in Capital One closing my savings account, they transferred my remaining balance to my old, closed Bank of America!! You would think that they would bother to notify me before taking this action and may transfer my money into one of my existing Capital One accounts. The lack of communication is appalling.

Apparently Capital One is suppose to notify you if you have reached or are reaching your withdraw limit from a savings account. Never received a email or text alert as they claimed on the phone is suppose to happen. I logged into my account today to check if a transfer had gone through and found out they had closed out my account without notice. I would as they claimed be getting a check in the mail in about 7 business days. However, I live in an major city where both packages and mail get stolen all the time and this check for several thousands of dollars won't require a signature. I have had this same account for over 10 years and I will be promptly switching banks. I personally think it's bad business closing a large sum account with no notice.

At its inception, I applied for and received a Capital One Savor Card. I heavily relied on the fact that this card was conceived and promoted based on the fact that it provided its users the ability to earn 4% Rewards on purchases of "DINING and ENTERTAINMENT". I have now found out that "category code" that the merchant supplies Capital One, determines the reward level of benefits that the Savor Card will pay the cardholder. Specifically, two of the merchants among many others, that I question are NETFLIX and DIRECTV. These items were classified as "phone/cable" not Entertainment! My purchase of both Netflix and DirecTV were purchased directly from the merchant and included no phone or cable cost packaging. Both of these merchants now pay a rewards of 1% not 4%!

Capital One credit card for approximately a year and a half. The first payment that I made unfortunately bounced because the bank that I was using the prepaid debit card they charge me a drawing of use and sometimes when I made my payment if the company didn’t take the pay within five days they would take the fee at the bank and then leave it short. The debit card even charge me a dollar to call for questions. My account showed the payment posted and they doubled my credit on the card and I spent it because I didn’t know that that it happened and that happened the very first month.

I recently was injured off my job. I will be out of work for three weeks. I contacted all of my creditors including Capital One. I was able to defer all accounts but Capital One. 44 payments on time, 3 car loans, 0 bal, 3 CC 0 bal. They all tell me the computers are making the Email rich.fairbank@capitalone.com. Telephone 703-720-1000. Switchboard 703-720-1000. Website https://www.capitalone.com. No help or word from the CEO. Sold my stock and contacted news media and BBB.