Capital One

I cannot believe how horrible CO is! I went to my diabetes Dr yesterday. I have to take insulin several times a day now. I called to try to work with you to get an available amount put on my account. I was told I had a few dollars with rewards. I was told it would be applied as an available amount and would be done in a day or two. I called tonight to find out where it was and was told it was applied to my balance instead. I asked the rep yesterday to confirm that it would not be applied to my balance. He said that it would be an available amount. I needed that money for my diabetes supplies. You LIED TO ME! I can't use the language I'd like to because it could get me booted from Facebook.

Horrible website updates. All changes have interrupted all feeds with accounting software. Locked out of all accounts and can't get a "by when" I'll be able to access my accounts. Never had these problems with ING!

March 19. Had to call a second time to close my now merged Cabela's and Bass Pro Shops account. Paid off entire balances on Feb 26. (Overpaid actually. They stated to me, "that's just how things work here.") They proceeded by stating that they would be sending me a check for the credit balance on my account. Now three weeks later, the accounts are still not closed and that my account had accrued interest since. Dealing with customer service is a joke. Then they transfer you to a supervisor that even more ridiculous. They just read off a cue card and don't care about the consumer. They are like robots.

A few years ago I applied for a Capital One Platinum Card and was approved. I put a few charges and paid it off within a couple of months then put a few more small charges paid it off etc. I then put my dishwasher on the card a paid about 4 to 5 months in a minimum payment but couldn't stand to keep paying the small amount so I paid it off.

I just closed my 3 Capital One 360 Online Savings accounts. There was a glitch that was not allowing me to name the accounts (nicknames). Since the balances are sometimes similar I need to be able to distinguish between them at a glance. After months of this & multiple calls to tech support, I closed my accounts. Not because of the glitch per se but because of this response, more than once: “we see no issue on our end, the back end, so we will not create a trouble ticket and we will not pursue this any further. We see no reason that this should be happening”. Translation to their customer of over 10 years: “This shouldn’t be happening therefore it isn’t happening”. Unacceptable.

I am beyond furious with Capital One!! We needed to change a phone number on our account so they could send me a temporary code to access my account online to pay a bill and I was told they couldn’t change our number and couldn’t tell us why. I called late last week and if the change would have happened then, I could have viewed my bill and made my payment online then. I was then told they had an issue with the system and to call back today. I spent another hour on the phone with them tonight to get nowhere. I was told I couldn’t make the number change again tonight but to try back in a week. Wtf?? How is it our account and I can’t make a change to my phone number? The phone number they had on file was no longer in use so tell me how I am able to view my bill before paying it if I can’t access the account? All they kept saying repeatedly as they couldn’t share any information with me but they understand our frustration.

They got our statement mailing address wrong on the statements. Postal service cannot delivery statements in a timely manner. When confronted, they refused to waive all interest and late fees even though they screwed up our mailing address. By the way, this is a BUSINESS credit card and we actually are charged a yearly membership fee as well. As the result, we have been charged over $400 in interest and $100 in late fees that they are not taking responsibility for. We will be cancelling our Capital One business credit card at our earliest opportunity.

On March 18, 2018 at 1630 hours I called Customer Service for Capital One and spoke to a Keisha who would not provide any more info on herself. I asked about a fee they charged and when I heard it was from the bank - I told them I am taking my business elsewhere, she said OKAYYY?! The lady was rude and very condescending on the phone. Not the type of business I want from people who are holding over 85k a year of my money. I will be moving over to CHASE Bank. 4 Years of service down the drain over. Do not recommend!!!

I applied for a Quicksilver credit card, with zero percent interest for 15 months, knowing I had Excellent credit. They sent me a card, and a report with my credit score and APR after the introductory interest rate. The report gave an incorrect, much lower, credit score that is much different from Equifax, where they supposedly got my score from. No help from customer service or supervisors to remedy the situation.

They sent the card to my street address instead of my mailing address. I contacted customer service twice to correct it and got the runaround for nearly an hour. I never activated the card but I was pleased to send it back with a note explaining they have the worst customer service ever.

First, don't go with Capital One at all! Here is why, they have 0 customer care. The supervisor I finally spoke to on the phone was great but so hand tied they are useless to help. I asked for a credit line increase, this is the response "Recent use of this account's existing credit line has been too low". For over a year I have paid my account on time, been a great customer.

On February 5, 2019, I called into the customer service department in order to inquire about a new application for a credit card. I have my credit frozen for security purposes. I specifically asked the customer service agent which Credit Reporting Agency was used for checking “credit worthiness” for new applicants and I was told that TransUnion was the only one used.

My mother passed away in 2004. She left credit card debt with Capital One and for some reason, my father didn't pay it. Not sure if he didn't realize it, couldn't pay it due to living on social security, not sure. In 2008 they took my father to court over my mothers defaulted credit card from 2004, because he was her spouse. I do not know what type of arrangement he made with them, whether to pay a small amount each month, etc.

I have been a customer with Capital One for 6 years and have 100% on-time payments during that time. Recently, an authorized user on my card was involved in a scam, which I found out too late that caused fraudulent charges on my account. I was told that because I "willingly gave a third party my information" it was not fraud and they would not reopen my account. I don't think they understand what fraud means, but okay. I was then told that I was welcome to re-apply for a new credit card. So you can charge me new fees and pretend I haven't been a customer for as long as I have? No, thanks. Don't expect to get any help from customer service without a runaround if they even decide to do something for you at all. Absolutely zero customer loyalty. Don't forget you're just a dollar sign to them, nothing more.

I pay all bills for my father who has a Capital One account. Several times I have had to dispute charges and since the account holder has to be on the line, it was a huge inconvenience as my father does not live with me. Capital One asked us to send a signed power of attorney via fax. All the documents they requested were sent, I have fax confirmations but yet Capital One claims they never received it both times it was faxed. I gave up on faxing the documents, however, I am still trying to dispute a charge and this morning when I called to get their fax number to send the supporting documents, they said they could not give out their fax number either, as if a fax number is confidential information. I gave this company one star rating because lower doesn't exist. I am glad that I am not a customer.

Capital One spammed my email and physical mail with a pre-approved 0% card for months, so I figured why not. Keep in mind I have a checking account with them and a card for years that has a limit of almost double this one, and $0 balance on it at the moment. Step 1: Call to activate, done activated. Step 2: Your card needs fraud check and you can't use it. Step 3: Submit 5 million documents all over the internet proving my identity, yet their link doesn't allow me to submit them all so I have to resize and do other stuff.

I pay off my Capital One credit Card Balance off every month. About a year ago I sent 2 check payments in one envelope to Capital One. The balance would have been paid off. They reportedly only received the small check. I had to stop payment on the second check, for a fee at my bank. I was convinced to stay with Capital One.

I have had a Cap One Visa card for over a decade and always found their telephone reps to be knowledgeable, helpful, fluent and conversant. However, something has changed since March 2019. On previous calls to consolidate my two credit cards into one, I received the usual high-quality service I've come to expect. I was told I would have to wait until March 6th to do this since my newest card was opened last October; the card needs to be open for 6 months before I could consolidate.

I used Capital One card for my business for years. I had someone contact me wanting to sell some items to me for my business. Was nervous that it may be a scam, so I called Capital One before I made the purchase and expressed my concerns about it may be a scammer. I was reassured to go ahead and make purchase as I would be completely covered under their fraud protection plan if I did not receive merchandise. Well, I didn’t receive the merchandise, and the seller was arrested for scamming, but Capital One would not cover this under their fraud protection plan, as I was told they would.

Beginning in early 2018, someone has been calling in to Capital One with my SSN, and DOB, to update the mailing address on my credit card, so they can then request a new credit card. This has happened 4 times now, and Capital One has ZERO security in place to protect victims of identity theft. When I spoke with the "manager" in the fraud department, he told me that Capital One has "layered" security, but if the person calling can provide a full SSN and DOB, then they will make any updates that person requests. When I question them about why they do not offer any kind of 2 factor authentication, like just about every other company in the world, they can't give me any answers. I've spent countless hours on the phone with Capital One trying to get everything corrected each time this happens. Beyond Frustrated.

My husband and I have cards with Capital One. We recently sent in a check to payoff off the balance on his card. I sent it by Priority Mail on Monday March 4th. Per tracking, it was picked up on Thursday and now they think the check is lost. How do you lose a $3800 check once it’s in your building? As far as customer service-nonexistent. Their answer is to send them another check—seriously? If you lost one, how many does it take before you find it and post it?

Hello, My name is Anthony **. Capital One is the worst company to do business with! They are simply the worst!!! Don't get trapped. Go elsewhere. Run! Hide if you must... But do NOT go to Capital One. Why? Because when you want to cancel a recurring payment, they cannot guarantee the merchant will not charge you again in 15 months. What kind of non-arbitrary garbage is this? Pfft. Get real... There are not even any limits to the levels of disrespect and skullduggery this company is trying to convey, and sometimes...conceal.

My husband made a cash deposit in an ATM and we did not get credit. We had to file a claim and waited a week to get our money. Therefore I will never put cash in an ATM. Today I was depositing checks and the ATM did not record my deposit. It can take up to 45 days to resolve this. As soon as I get my money I am closing this account and finding a new bank. No way it should take even 24 hours to open that ATM and give me my checks back. Capital One does not care one bit about its customers.

Since Cabela's sold out to Capital "zero" card I have experienced nothing but billing errors and incompetence from C.O. customer service reps. They clearly demonstrated they do not care about customers and stated I have to prove they made mistakes! In addition, most do not even speak/understand English! Never again with C.O. and closing card and Cabela's will never get another card out of me either!

Horrible company. Not professional. Just a scam. Don't get involved with them. They harass you with advertisements, about 20 letters a month. Horrible. Then they hang up on you on the phone. It's the most difficult thing to get ahold of them. They are so unprofessional. Save your time, and do not apply. They are horrible. They don't even TRY to help you. Took me an HOUR to finally get things fixed because their employees SUCK. Especially Ben who hung up on me. Horrible man.

I have been using this card for 5 years and missed one payment by mistake. They did not waive the interest charge even though I called them immediately. Horrible policy and no customer service when in need.

A charge of $5100 was put onto my card while in Mexico. I was alerted to the fact via email from Capital One. I immediately reported it as fraud but after the "investigation" they said it was not fraud and that the merchant could charge this money. Their fraud guidelines do not back their claim of no risk! DO NOT USE THIS CREDIT CARD COMPANY!

I have been a loyal customer from Capital One since 2015. I paid off my credit card of $5020 BEFORE the billing cycle was due and was still charged interest. DON’T get a card from Capital One. I have never asked for anything to be waived on my account before and to be treated this way really upsets me. I will be cancelling all my cards with them.

I fell for one of their no interest 18 months loan for a small house project. I have always made my payments on time using their online payment. However, I went to make March payment and noticed the February payment didn't go through and they charged me interest plus late fees which of course now will continue. I never received any kind of notice that it didn't go through. I called and got no help but had to spend an hour to listen to the idiot read the cancellation procedure. Paid it off, done, never again will I deal with these arrogant **.

I applied for the offer of $150 rewards when the new customer spends $500 within 3 months. I spent that within the first week of receiving the card and activating it. Shortly after I received the statement and when I called to have the rewards applied to my account, I was told that they had a fraud alert on the account. That was the first I had heard of that and have NEVER experienced that with any other card. They wanted proof of who I was. I sent them 2 different documents, but when they wanted copy of my SS card I said no. The offer appears to be a scam to get new accounts with the promise of rewards, but not intend to deliver the rewards. I have filed complaint with the government consumer agency. I think this may be like the Wells Fargo scam to get new accounts. Just think of how much they will make with new accounts spending at least $500 and they have no intention to honor the rewards promised.