Capital OneConsumerAffairs Unaccredited Brand
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This is a terrible credit card. It has a limit of $5k. That $5k limit is for both cardholders - my wife and I. That is $2.5k each. Ridiculous limit especially for booking any travel. We have asked multiple times for a slight - moderate increase. We have a great credit score and always pay our bills on time. That makes no difference, they always declined the requests. The last time they told us "You cannot ask for a increase, you have to be invited." What nonsense. We are getting rid of this card and warn everyone to stay away.
I have always made my payments on time and most of the time made two payments a month on both of my cards. I have requested twice now for a higher limit and I keep getting turned down... (reasoning is because I don't make higher payments on my cards) lol. For a valued customer. That does not miss a payment on any of my bills. I will no longer be doing business with Capital One. I have now locked both of my cards. And will pay them both off next month with my bonus check. They should not treat customers that are loyal this way. I'm going on vacation and that's why I requested a credit increase. I am very disappointed with their services and will no longer require them. I could understand if I ever missed a payment or even 2. But I've now had both of my cards for almost 4 maybe 5 years. Going forward I'll read reviews first and find the right card for me.
A few months ago, Capital One has modified the website. Before the changes were made, I could select my language (French) and each time I was opening the website it was posted in French. Now, every time I access the Capital One website, the page always appears with US and English. Even if I choose Canada and French, and I click on "Remember me", it always comes back to United States and English. I am not able to keep my internet page on Canada and French. I have already phoned Capital One, but nothing changes. The computer programmers who work for Capital One are totally incompetent. I conclude that Capital One has no respect for credit card customers.
I made a substantial early payment on my March bill and the auto pay came out on top of that. When I realized what had happened, my checking account was overdrawn and I incurred $175 of overage charges! When I asked for help in straightening out the situation they said they was nothing they could do. If you love working with big banks with no consideration for those who don't read the fine print, these jerks are the way to go.
On October 4 Capital One denied CC charges for fraud while in Fort Lauderdale. After contacting them they approved the charges. This cycle repeated itself 3x that day with each new purchase. Finally they acknowledged that the card was compromised. I decided to close my account because of poor customer service. They sent me a check for $1795 dollars for the remaining points I had accumulated. They refunded my annual fee. I was locked out of my account. Three charges appeared after the account was closed in the amount of $695. I was not notified until an email I received on December 26, 2016. Despite acknowledging this was their error and removing the late charges and interest expense for all charges associated with this late payment they reported the matter to all credit bureaus as a late payment.
My credit rating was 830 before and is 740 after as a result of this malicious act on their part. I have appealed to them and have an executive case file. Instead of accepting responsibility they have blamed me and seek to diminish my standing in the credit community. I had an account with them for over 5 years and paid every balance every month in full on time. This is the first of many actions I am going to take to expose them for their malicious consumer practices- they created this problem and retaliated against a top customer with a near perfect credit rating because I closed my account. All balances are paid in full. They refuse to acknowledge their error and remove the missed payment report to credit bureaus.
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I have been a Capital One customer for 5 years and have had really good experiences with them up until this last year. I suddenly find that it's extremely hard to get in touch, and when you do manage to you are spoken down to as if you were a small child getting on their nerves. I had a fraudulent charge taken out of my account and it's been a nightmare to sort out, the last representative I spoke to was so rude I put down the phone. I have savings and my wages paid in, and a credit card, but I'm going to switch to Discover. Perhaps when their customers start leaving in droves they'll improve.
I was in trouble and a lady named Violet was a bliss. She stayed on the phone with me for 2 hours almost and she is the only reason I will continue my business with this bank. Capital One bank you rock just cause of her...
Capital One deactivated our credit card without warning while we were traveling because we had not paid the previous month's bill. The only reason we did not pay the bill was because it never arrived in the mail. Prior to the missed payment, we had paid our bill off in full every month for over 10 years. So yeah, we missed one payment, but what happened to the bill? And why no heads up before deactivating the card.
When we contacted Customer Service, they flat out refused to reactivate the card until we made a payment, a truly ** thing to do to people who are traveling and having to pay for hotels, gas, food, etc. And, BTW, we had over $50,000 in our Capital One 360 account at the time, so we were obviously good for it. So why make life needlessly difficult for your customers and treat them like garbage? We have since cancelled the Capital One credit card and closed our 360 account. Also, lesson learned. Now we keep two credit cards, in case one is deactivated without warning.
I received an offer in the mail that I was pre-approved (not pre-qualified) for QuicksilverOne with no interest the first 8 months. It was a classic, illegal bait and switch. I received the card, however they did not give me the promised 8 months with no interest, but conveniently failed to inform me of such. They further perpetuated the scam by not charging me interest the first month, making me think they were true to their word. So imagine my shock when there was interest charged on my second billing statement!
I called them and all they did was lie and give me the runaround. I even spoke to a supposed supervisor, and he was an ** as well. I explained that I'm a disabled widow, and cannot afford to pay interest, and that I never would've charged 85% of my credit limit if I had known there was going to be interest. The only reason I charged it up so high is because I was forced to move because a neighbor had tried to kill me several times. My credit record clearly shows that I DO NOT PAY ONE PENNY OF INTEREST, EVER!!! All of this fell on cold-hearted deaf ears. SERIOUSLY??!!
I paid my balance in full the next month to avoid any further interest fees. I also did not use the card again after their bogus, criminal interest charges. THEY CHARGED ME INTEREST AGAIN THIS MONTH, ON A ZERO BALANCE! Again I called, and, again, I got the run-around. Got transferred to a supposed supervisor, but I doubt it really was a supervisor, because it was a ** female who mumbled like she had marbles in her mouth. They were such **, I had to cancel my card. No attempt whatsoever on their part to make things right. No humanity, no scruples, no ethics. WORST CUSTOMER SERVICE AND COMPANY EVER! STAY AWAY! You will end up losing money and regretting dealing with thieves. Straight up CRIMINALS!
They strive to make more money off interest because you can not pay on time unless you do online banking. I have a paid bookkeeper to pay my bill and I now had to pay more interest than the $524 I got back in "cash back" last year.
Two years ago I disputed transactions made on my account. My dispute was denied. When I called in to see why a representative told me that it should have been approved due to my account being a part of the password reset 2016 she told me to tell the security agent she was transferring me to. Well that explained why I had to reset my password for 3 months straight and I was never informed ahead of time. Also if you plan to overdraw your account and you intentionally do 5 small transactions and then a week later do one large transaction Capital One will process your transactions out of order to charge you 4 overdraft fees instead of one. Or will deny one large transaction but will allow you to make 4 small ones.
They told me three weeks ago they were closing my account due to me abusing my banking privileges. They waited until my disability went into account and now they are charging me a $20 to expedite the check yet they still haven't sent it and me and my three kids are now evicted due to not being able to pay my rent because they refuse to release my money to me. DO NOT BANK WITH THEM AT ALL. THEY WILL STEAL YOUR MONEY.
Capital One spends millions of dollars to lure customers in and then doesn't take care of them. United Airlines put on 2 charges of $700.00 each on my card that I did not know about, I was not informed of the charges and I did not authorize them. I charge over $100,000 per year on my Capital One card and I have a $50,000 credit line on the card and I verified that I had not authorized the charge and Capital One still charged me. I disputed it and gave Capital One all of the information and they still let United Airlines charged me. I have now cut up my business and personal cards with Capital One and I am now switching to a Chase card.
Had a Capital One Credit card for many years. Always have some balance in the card. I used it a lot! I paid off my balance. Changed my password and moved one time. They (Capital One credit card service) put a restriction on my card without notifying me of any restriction. How embarrassing if I was going to use the card in public and would be declined. I called customer service and always get a strong accents rep. That individual did nothing for me so asked for a supervisor. Another very strong accent. Why? Anyway, they tell me that my card was restricted because I updated my address and changed my password and I needed to go to a bank to verify my identity. If not send copies of license, social security card, utility bill, etc.
Ok so I moved one time in several years update my password one time and paid my balance and now for the first time in being harassed with all this garbage of identity. Never had I have any issues with this card or others but as soon as there is no balance they harass me. I request to close the account and guess what!! They did that immediately without any verification!! Why? Need to verify to use the card but don't need to verify to close the account. It's like they did not even care! So I went through and closed the account.
There are many other legit bank credit cards that are far superior to Capital One credit card services. They are mean, rude and very broken English. They do not take care of their long term customers and had no care in the world that I closed my account. I would not ever recommend Capital One credit card services to anyone! Ever! Too many other options. What happened to good customer service where they are respectful and care about their customers??
Miserable customer service. Tried to get online banking to set up business online today. Their instructions on their site very clearly say "or put in account number"...didn't work. Tried calling. 3 hours on hold various numbers... called my local branch who directed me to the same damn number. NOT THEIR DEPT. 3 hours later I decided to try and activate the new debit card they gave me. Called the number automated voice says PIN number and account don't match... transferred to person... explain. She tells me the online banking "oh, it says put account number but that won't work, you have to use social security number."
EXCUSE ME. WHAT THE FREAK DOES IT SAY PUT IN ACCOUNT NUMBER. 3 PLUS HOURS. Next... she tries to activate my card. "Oh, you'll have to go into the branch for the pin... but I HAVE A PIN I PUT IN at that very branch." She then proceeds to DEACTIVATE THE CARD THAT I HAVE AND ACTIVATE THE NEW ONE WHICH I CAN'T USE WITHOUT THE PIN. So now... have no way to pay for my parking tonight since I cannot get cash thanks to this freaking stupid bank.
This week my accounts at Capital One were close with no prior warning or reason. I called customer service and they couldn't give me any clarification. I assume the reason was due to inactivity on the accounts, but if that is the case I would have appreciated a warning. I had been a customer about 7 years and I had a sizeable amount in the savings account. I would never recommend this bank to anyone. Horrible practice and clueless customer service.
Capital One froze my deposit accounts for over 2 months without even informing me citing suspicious activity. While I respect them taking due diligence to prevent fraud, I would expect them to inform the customer before making that stupid decision. In addition, once they verified the suspicious transaction, I was told my account would be closed and I would be getting my money via check. Obviously, I suspect racial profiling and feel bad that at this age and time big organisations like Capital One would act in such disgusting manner. I sure would never do business with them anymore. Potential customers RUN AWAY from this bank. They are a mess. Note: My accounts were frozen for just a $2000 Walmart to Walmart transfer I made to my friend in PA.
Last Thursday I applied for a credit card via the recommendation of Credit Karma. WORST CUSTOMER SERVICE EXPERIENCE EVER. Thursday after applying online I received a link to take a photo of my ID. It kept saying it didn't recognize it. I gave up. Friday, I got a call from a rep and I explained what happened on Thursday. He sent another link. Tried it with him several times. Said he received it and would try to manually upload but wasn't able to. Before advising me on other options he says, "I'll deny this application due to lack of documentation". Here's the kicker, he then tells me I can reapply and to fax my documents. WTF!!!
I'm like so you deny the application which gets reported to the credit bureau and now you're telling me to reapply and fax the documents. I asked, "Why wouldn't you make that suggestion before denying the application?" I asked, "Why wouldn't you say well since the link doesn't work, fax the documentation and then we'll process the application." Now is it just me or is that the most asinine thing to do? I mean seriously, I have a hard inquiry and denial on my credit because a Capital One representative was too stupid to think of giving me the option to fax the documents and then process the application... and you think I would want to still do business with you? I sent an email to the following **.
I got an email back from an email with the name of Capital One Web Information. Which by the way, was a uniformed generated email. Whether that went to a person or not I just replied I'm not interested in any further dealings with your company. Which in my opinion adds insult to injury because even if I'm not a customer, a company that's interested in gaining more customers rather than word of mouth bad reviews would reach out to that person via phone and not via email. Big companies forget that more than 90% of people won't complain but will tell about 20 people about their bad experience with the company.
Now with social media, well that negative experience gets shared with even more people. All I know is, I will NEVER deal with Capital One ever again and anyone who mentions them I would strongly advise against. Because if my experience shows the competence and intelligence of their reps (which we as customers will be mainly dealing with), then I'd really hate to see what happens if there is a problem with your account.
There are many credit cards, but Capital One is known for no foreign transaction fee and that's why we got the card in the first place, to use it on our trips. Called the company before the trip abroad, were assured that it would be ok because the card had a chip. Get to the foreign country and the card gets declined every time. So we call Capital One and they tell us they can't unblock the card because they are protecting us. Seriously!
After much deliberation on the phone, they unblock the card. We had to make an emergency medical purchase, which was quite large, but way in line with the credit limit. Try to use the card - blocked again. Call again (at least good thing we had wifi calling) - they are still protecting us from fraud and would not unblock the card. After 20 minutes on the phone, still can't use the card and now it's blocked for both small and large purchases - supposedly for our protection. What's the point of using the stupid card if you don't have access to your money when traveling? Canceling the card, withdrawing funds from our accounts and looking for a new credit card with no foreign transaction fee.
Hello my name is Alfreda **. I've been with Capital One since November of 2011. I have always made my payments on time and I'm in good standing with Capital One. My credit limit is $1,500. It took seven years to get there. In 2017 Capital One offered me $35,000 to buy a car from Kia or Hyundai. These were my only choices so I passed. I didn't think Capital One should choose my car. In March of 2018 I want to go to Ashley furniture store and buy me a bedroom set. I saved up $4,000 and I was $3,000 short so I ask Capital One for increase on my Capital One credit card. They told me No. Come November of 2018 I will be with Capital One for 8 years and I have never asked them for increased in all this time. So much for loyalty.
Capital One would rather loan me $35,000 for a car I don't want before increase my credit card limit to $3,000 for a bedroom set. I guess they feel like I should just keep sleeping on the floor. Now that my credit card is paid off I will never use this credit card again or would I recommend Capital One to anyone. I feel like Capital One is being bias in this situation. If I'm in such good standing and a loyal customer why couldn't you give me a $3,000 increase on my credit card. I know a lot of people who have unlimited credit line with Capital One and they file bankruptcy???⭐
Being proactive, I called Capital One today to notify their company of a family holiday to CUBA. Their response is it cannot be used. The response is because the parent company is a US Company and we are unable to utilize our credit card. Their advice is to take out extra cash. Ironically. I called my emergency credit card company who is also US based notified me that the card can be used. The reason is because they operate in Canada. They cannot restrict access to CUBA and US Government does not govern travel for Canadians. Anyways, just another hurdle. So for anyone planning a trip to CUBA go to another credit card company.
They give you credit, and you use it and before you even make to your first statement you are restricted because of fraud that isn't. In the first week anything I tried to purchase with this card was declined for fraud, had to call like 3 or 4 different times to unblock - You can trust or rely on its availability, thank God was not on a vacation away from home. Lastly I had car repaired and was going to pay with my card, it was declined. The charge was well below not even a third - so in other words I had plenty of available credit - so I call again this time they say it's restricted. I have to send in ID and bill of bank statement and social security card copy front and back.
I wish they had alerted me but they did not just left me hanging. Second time trying them, there will not be a third. And their customer service and foreign fraud department are cold. At first was really upset and disappointed but wanted to channel that in a way to help others of their shenanigans. What's in your wallet, burning like a bad flame? Capital One? Do NOT rely on them for trips/vacations, they will without notice leave you in a bind that could have you facing jail because you were expecting to use your Capital One card for a service to only find out it's restricted - after the service has been rendered to you.
We have been Capital One customers for over ten years. We have both personal and business accounts. We always keep very positive balances in all accounts. We had personal and Spark Business credit cards. We always paid balance due monthly. Recently applied for Savor Card. Sent me card with $10,000 limit. Capital One put restriction on new card, for proof of my ID. I sent driver's license, SS card and passport. They indicated 72 hour waiting period to remove restriction.
We had a CC declined for $16.00, which had a $20,000 limit, with current balance of $2,700, which has since been paid. When I called the bank about the decline, they said all my cards were on fraud alert, due to the Savor Card restriction. After several calls to the bank, I ask them to just cancel the Savor Card, as I have plenty other cards. This was after my several contacts with customer service, over the past week. I was informed that they would just cancel all my Credit Cards. I agreed, as I was tired of being jacked around. Yes, just an account number, with zero effort for customer retention. My checking accounts will be closed soon, and so long CAPITAL ONE!!
Today is March 2nd, 2018. I have been trying to log in all day to my account to make a payment on this credit card and have been getting messages that they are "down". I'm not sure how long this company has been "down", but not having the ability to make my payment for the last 10 hours is not acceptable. I am wondering just how much money the company makes in one day on interest off all the customers that were not able to make their payment due to their issue.
They also have moved on from their own, fully functioning P2P system and started using Zelle. Because Zelle would like to send verification codes it will have a meltdown if you are using a family plan and your billing addresses don't match making it completely impossible for me to use the system. I used to tell everyone how amazing they were but at this point I can't wait to leave them.
After getting my credit score up through careful use of my credit cards and loans, I asked for an increase to the paltry $700 limit they allowed me as a teen. I understand why the limit was low back then, but I'm 30 now and my credit score is usually between 780 and 820. They denied my request to increase the limit. My other cards allow me limits between 5k and 10k and I keep the balance on them below 10% to optimize my credit score but I couldn't even buy groceries with a limit of only $70 to keep it under 10% usage. So I had planned on waiting a few months and asking again when my score was better, but they closed my account this month with no warning.
I lost a credit card with a 10 year history because they wouldn't increase my limit to a usable amount without taking negative hits to my credit score. And they wouldn't increase the limit because I didn't use it enough. I hated them as a teen because they would hit me with nickel and dime fees constantly and the only reason I kept them this long was for the credit history boost. But when I called them they informed me that once an account is closed it cannot be reactivated. In a small part I'm glad to be rid of them, but I'm also angry that my credit score took a bump down because of their stupidity. Hassle free? They're the biggest hassle of any creditor I've ever had to deal with!
Whatever you do DON'T get a Capital One credit card!!! If you have any issues with fraud, they will not protect you, but will protect the company that took your money! Also, their computerized answering system is the most frustrating experience you will have. It is AWFUL. They do everything they can to avoid talking with their customers. Stay far, far away from Capital One. They are the worst financial company I have ever had the displeasure to deal with.
If I could give Capital One 0 stars, I would. They have no regard for their customers whatsoever or care about customer satisfaction or retention. Called Capital One today to ask if they could reverse a $25 late fee as a courtesy since my husband and I were on vacation. My husband and I have 5 Capital One credit cards between us and are always on time with our payments, however, the agent refused to honor my request and so did her supervisor who informed me they no longer have the ability to do that. As a result I closed out my accounts with them, screw them! American Express is #1!!!!
Thank you Capital One for your effort in understanding that different people have different situations. Capital One took a chance with me despite my credit history when no other company would. You have waited with patience and consideration as my circumstances changed and I couldn't fulfill my part of our arrangement. I will, I would, and I do, recommend People to talk with an agent at Capital One for All your financial needs, before you go anywhere else. This Bank really gets it. I haven't seen this kind of service since I was a young girl, watching my Mother open lines of credit in stores, wow. I wish you all the success you offer to your clients, Capital One, you are Standing Tall in my eyes. Thank you.
I am not allowed to view my transactions online because I did not set up our Visa account. Only the one who set up the account may go online for their Visa account. My name is on the card; I am an authorized user; I pay the bills and earn the money. I went to the Chat forum and was told to get my husband, the account holder. This is from the stone age! I will definitely terminate my Visa with Capital One since I cannot view my bill!!! Ridiculous.
I am not at liberty to provide any details, but I can attest vehemently to the fact that Capital One has the most archaic, poorly-conceived, stupidity-driven set of processes in the collective History of the World, for any organization of any type. They have taken collective, aggressive ignorance to an art form. ATT and Comcast can only dream of being this corporately inept. If you have any Capital One services, cancel them. If anyone you know has Capital One services, tell them to cancel them.
Capital One expert review by Beverly Harzog
Capital One, a Fortune 500 company, is one of the most recognized brands in America. It is one of the nation's top 10 largest banks and has locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia.
Travel rewards: Capital One offers great rewards on flights that can be redeemed anytime, with no blackout dates. Use miles for tickets, hotels, rentals and more.
Credit builders: Capital One has a specialty in helping customers establish or rebuild their credit with credit cards targeted to those with fair or poor credit.
Secured credit card: This is one of the most popular secured cards on the market. Capital One sometimes offers a cardholder a partially-secured card, which means that the customer gets a credit limit that’s higher than the deposit.
Cash back: A few of Capital One's cards offer unlimited cash back on every purchase, and this feature is available on both consumer and business cards.
Spark-branded small business credit cards: There are rewards cards for cash back and airline miles. Capital One also offers corporate credit cards.
Clear and concise website: This company does a good job being transparent and explaining the rates, fees and rewards for its credit cards.
Best for: Consumers and business owners who have good-to-excellent credit who want a rewards credit card. Also, consumers who need to build credit or repair bad credit. They also offer commercial corporate cards.
Capital One Company Information
- Company Name:
- Capital One
- Year Founded:
- 1680 Capital One Drive
- Postal Code:
- United States
- (800) 227-4825