Capital One

Can't understand a lick of what the reps are saying and overall just plain having this card is useless! They charge an excessive amount of fees and they hardly ever raise limits even for long time customers. Capital One should be ashamed of themselves! With all their bad practices and complaints I'm still trying to figure out why this company is still in business!!

If you forgot password they make you enter your name, SS, DOB, then answer 3 background questions, all of which I passed. Then it says it will contact you via email or text or phone call, but they haven't done either. I tried calling but gave up after 20 minute hold. What have I just stepped into?

I received my Captial One Credit Card bill and noticed I was charge 20 percent interest on my purchases. I called their Customer Service, after trying to find someone who actually knew how to speak English I could understand I was told this is their new policy. I cut my cards up and sent them back.

Credit Karma suggested that I apply for a Capital One secured credit card which I did and they took the security deposit out my account. The next day I called and they stated that it takes 10 days to post to my account. That was the 26th of June and I called back on the 5th of July to see if it posted. They stated that the clearing house hadn't released the payment. Now it's the 16th of July and they can't find my payment and don't know where my money is. I withdrew my application and they still don't know what's going on. The customer service sucks because on don't know what the other is doing.

I applied for the Capital One credit card as a suggestion from Credit Karma to rebuild my credit. My issue is why suggest a card that could help with my low score but penalize you for using the card! Then they constantly change your score up 20 points down 6 then up again. They hit you with a hard inquiry after they suggest you to apply??? You're given a credit limit based off your deposit yet if you use anywhere near your limit it affects your credit score??? I've had the card for months now and never missed a payment, pay before the due date in full. I'm new to this whole credit card world and I don't understand the purpose of having a card that you get penalized for using. I've read I may be eligible for a credit increase after a good payment history, why would I need a higher limit I can't use??? Makes no sense. If I can only use $40 dollars of a $200 limit why would I want to increase. (I know, utilization.)

I informed Capital One Quicksilver about my one-year sabbatical stint overseas. They noted that and for a couple of months, it was great to have a credit card that does not charge foreign transaction fees. Then they froze and restricted my credit card usage without telling me until I could not use my Visa Quicksilver at the local vendors, I called up and discovered that they were doing it because of possible fraud. I gave all my personal information as is usually required including my DOB, SSN etc. That was not enough. They asked that I send the original social security card (1st time I have been asked to do that) and a proof of address. I did and a couple of weeks later, (after a 2nd overseas call) that those documents were not enough. They wanted a bank statement - I dutifully sent it.

Capital One just denied me for a new credit card with them, even though I've had a different Capital One credit card for over 20 years now and have a top tier credit score. Additionally my assets are high, my debt to equity ratio is extremely low and I have never made a late payment in my life. I also pay off all my credit cards in full every month and always have.

TL; DR summary: customer service impossible to contact, inconsistent from one agent to the next. Not willing to listen to you or trust you. Makes decisions for you without your permission and threatens you. And that's when they pick up your call, after hours on hold. After having one credit card (the first one) from Capital One and using it for no problems for 2.5 years, I decided to apply for a second one. Right around this time, they switched their online banking system (summertime 2017 in Canada), and I needed to re-register for an account. Their automated online registration wouldn't approve me, and I got directed to live chat. The live chat agent told me I needed to call, so I did. After four separate calls and waiting as long as 1.5 hours one time WITHOUT EVER REACHING AN AGENT, I gave up. I stopped using my first credit card, let it expire, and never activated my second card.

Capital One has a policy of not transferring points to a spouse when the other one dies. Their reasoning is that there is only one main Vantage cardholder and that cardholder is the only one allowed to use the points or "give permission" for them to be used. When I questioned this they said that is the law. Why? We pay our account off every month and were charge to accrue points. What a surprise when I found out I cannot use the points due to the death of my husband. They said he isn't around to "give you permission." Something is wrong with this picture! Shame on them.

Watch out from Capital One Mobile iPhone App. It's 0---0. Watch out very horrible to access your account compare to AMEX APP 5 Star. Discover Mobile App 5 Star. Chase APP 5 Star. Capital One Mobile App is Horrible. Not even One Star. Very bad for consumer. Even their customer service very incompetent. I end up change my password and create new password then change my email address on desk to get new access to mobile app. The consumer service after I call them twice with no result. I figure it out who to go around their incompetent poor system, I feel I am in Dinasour age with Capital One.

Capital One is charging it's customers a penalty rate and jacking up the interest rate to 22.99% on the spark business credit card if the customer is 3 days late. That is not only unfair and absurd, it's very bad business. I don't know any CC company that penalizes it's customers when they're less than 30 days late. I've had an AMEX platinum business card for 13 yrs and have never paid a late fee unless I was 30 days late. I absolutely will move my business account elsewhere. Their customer service is horrible as well.

Spent 20 minutes waiting on line while the clerks at the 59th & 3rd branch discussed her personal business with a customer that was being served by another clerk. When I asked is something me working I received an attitude from the manager and clerk. Both became irate and very unprofessional. I closed out both of my accounts being that this is the 3rd time I came to this branch (closest to my house) and got disrespected. It won't happen again, at least not at Capital One!

Last October I noticed interest and fees on my credit card. I ALWAYS pay the FULL balance each month and never pay any kind of fees. I have now called 4 times (at least an hour each time on the phone) and get instructions of what I am to do. I do it and the next month here comes another bill with interest and fees on top of interest and fees. I just wrote a letter to the President/CEO and don't expect to get any response. I have closed the account and it would be my advice that you go elsewhere if you need a credit card... DON'T USE CAPITAL ONE. I think their phone people are very poorly trained but it appears their jobs are on the line if they don't collect every bogus charge they can... They must be on an incentive program and get rewarded for collecting ALL charges whether they are bogus or not. A supposed supervisor today (name Joe) actually yelled at me on the phone... What kind of business allows their employees to do this?

Capital One Bank is the worst financial organization in the US. For those that were not aware of the banking oligarch business practice, I am advising everyone to please stay away from patronage of this company. Their advertisement is racial targeted to ** and Latino groups. I got cash advance based on the advice from the staff that I can easily paid off my cash advance once I am making payment over my monthly due and all overpayment will help to pay off the cash advance. I got $1000 cash advance since 2016 and every months I have making regular payment and above but my cash advance remained with balance of $900 as at July 2018.

Waited a long time for a phone rep, then you get customer no service rep that thinks she's right and has the power to your savings account. NOT. Closing out my account and take my 200k somewhere else. PLUS their online account HAS NO secure email feature. They made it hard to communicate with them once we deposited $$$$ to their online savings. It took me 5 mins to write this complaint and almost an hour to stay on phone with one.

I made my Capital One credit card payment by mistake. So called customer card to cancel that payment. They told me it's in process so they cant cancel that right now but they will take care and return the money once it's completed. So I waited for 24 hours as per their expert opinion and now when I calling them they for money they telling me it's not their policy. I made payment of 5000$ and now it's gone, it is very frustrating. Don't fall for their offers, just use other financial services, very unprofessional and not trustworthy business institution CAPITAL ONE.

After receiving an annual fee notice on my bill I called and cancelled the card on April 9, 2018. I got the balance on that day and paid it off that day. The payment cleared on April 10th. They are continuing to send me bills against a card that was closed on 4/9 and refuse to fix it. I spoke with 3 alleged levels today on the phone for over 50 minutes. I owe them nothing and they refuse to correct this.

Capital One turned Me down when I applied for the same (Quicksilver) Credit Card that I paid off after using it for more than 4 Years without a single late Payment and I had a $5000.00 Credit Line!!! Knowing that I still have a Car Loan with them that I had since more than 5 Years and paid more than $17000.00 without any late payments, always paid more and early, and I owe less than $500.00 Now. The reasons for the Decline is because I only have One other Credit Card Which by the way is in good standing. And when I called them and after I was routed from a couple Countries Overseas, their Supervisor said they cannot reverse the Decision!!! So here I join the Flood of Bad Reviews about Capital One to declare that never again I will even think about dealing with Capital One because they don’t care about keeping their loyal good Customers!!!

I have enough money on my accounts, however they for some reason blocked my lease automatic payments. I tried to call them so they could explain what is that they are doing. I spent 67 min on the phone before one agent pick up and then she sent me to listen to more of their annoying music.

OK. Now I completely understand all the negative reviews with Capital One. I purchased a small lab grown diamond to replace a side stone that fell out in a ring. Online purchase. It was $700. The company charged $700 on the date of purchase, then charged $700 AGAIN the next day. I called the company and they would not answer. (numerous tries). I investigate the company the day after the purchase and find out that this company is in Israel. Yes I should have done my homework first, and that's all on me. I call Capital One Immediately and tell them to investigate this, as the company charged me twice and will not communicate with me. The agent on the phone put me on hold, then came back to say "these charges are pending, we have to wait until the charges are posted and complete before we can do anything, but do not worry, we will take care of this".

I've banked with Capital One for over 3 years. Had a great review up until today. My husband and I got scammed by what seemed like a legitimate company and turned out to be fraud. The person sent a check which looked authentic. I went to deposit it into the ATM, 2 days later found out it was fake. I cooperated with capital as best I could to get these people. I was assured the investigation would end shortly and my account would be placed active again. Today I called to see if there was an update on the status and was informed that the investigator response was that they will close all accounts and no new accounts considered which if you ask me, is unprofessional.

Capital One card allows you to accumulate points and redeem them in different ways. However, I redeemed my points to apply the equated amount to my card. My reason was to make that month's payment because I don’t have a job at the moment and needed to make my next payment until I get a check. Well Capital One doesn’t allow that, which is stupid. My redeemed points can’t apply to my payment. Think again about the card you apply for.

I have made payments to my credit card on time every month. I noticed today my min payment went from $30.00 to $66.00. I am so confused as to why this drastic change. The card is NOT over the limit... I need answers.

If I could give 0 stars I would. We opened this card and spent a large amount of money on it in the first month of having it. On the day the bill was due we connected our bank account to the card and paid $5000 towards it, $2000 more than what was due for that period. The system online said the routing/account number was approved. We received multiple emails saying, "Thank you for your payment" and that the payment was posted. 4 days later we received an email saying that the payment did not go through because the routing number was entered in incorrectly - which we of course would never have known.

I am a college student with stellar grades. I've worked the past two summers and filed a tax return in 2017 since my income was high enough to remove me from my parents' income tax as a deduction. For the past year, I've received numerous pre-screened offers from Capital One that deemed me "prequalified" for a credit card.

I have been trying unsuccessfully to have Capital One close out my deceased husband's Capital One savings account. They have received copies of his probated Will, death certificate, etc. and still they will not issue payment to close out the account. My attorney is beyond frustrated since there are no other documents that can be provided to Capital One and the answers I get from my phone calls are that their "death unit" is handling the matter and, no, there is no way I can talk to someone in the unit. I firmly believe that the unit gets their "jollies" by constantly reminding their customers that someone they loved is now dead. If you have a Capital One savings account I strongly recommend you consider closing it and moving your money to another firm who is more customer friendly.

I am saddened by my latest and unfortunately last time I will contact Capital One. I currently have 4 accounts (2 car loans and 2 credit cards) with Capital One and never really have had any issues and am a very loyal customer. I have been with the company for years. I would always recommend the company because both the credit cards and car loans I had was fantastic. I was under the impression that the company cared for their customers and would be more understanding when assistances is needed. The issue was today, I called because a few weeks back I had totaled my car and my insurance company had cut a check to Capital One. I also had GAP insurance which would pay the difference not covered by my insurance company. All this information was already submitted to Capital One.

I've had their card for 15 years. I use automatic bank withdrawals to pay. On a $343 dollar balance, they increased my min payment from $20-$25, and when the auto payment came in, it was $5 short and they charged a $25 late fee! Compared to my Chase Visa, where the balance is $1200 and the min payment is only $25!!! Customer service refused to waive the fee because they had waived in once in the past year (due to a disputed charge that they removed, and then put back on and again, increasing my ZERO balance). AFTER 15 YEARS of always paying on time...for $25 late fee they were willing to lose all future business from me. That's called being GREEDY and OPPORTUNISTIC.

If I could give it negative stars I would. THE WORST CUSTOMER SERVICE EVER and THEY DON'T HAVE ANY ANSWERS. First of all I sent in a big payment to pay my monthly bill and the rest on the principal. These people took the money and put it towards June's bill and July's bill and the rest on the principal. Well, I called them up an told them the problem and to put July's payment on the principal which was $432.25. Well, the first girl I talked to gave me the correct figure it should be. When it finally posted my principal had only gone down $58.58, which was only 2 days later. I then called back and of course nobody knows about only applying to the principal and nobody can tell me why it only went down $58.58 when the whole $432.25 was to go towards the principal. And after 5 more phone calls to their very rude customer service I still have not gotten any answers or results.

Had a Quicksilver card for 7 months. Trying to use it today was declined. Never missed a payment. Was told there was a discrepancy in my application. What application? What discrepancy? You sent me a pre-approved card. There was no application just my address and social security number. Very disappointed in how they handled this.