Capital One

This card is my oldest account which is the only reason I'm keeping it. I've never been late on a payment, never gone over my limit, or had another negative mark on my account. I was recently able to pay off most of my debt, including this card, and was planning on keeping it for emergencies only, the interest rate is high and the rewards aren't great. But even with it being completely paid off they just cut my credit limit by half, by over $5,000. So after a divorce and working really hard to get my credit score to over 800 it's dropped to 740 just from this. And I still have to pay an annual fee for it. I wouldn't recommend Capital One to anyone.

They took TWO ACH payments which would overdraw my bank acct l and when I called to make sure only one would be processed, it was too late to stop. I understand that but when they told me the process in which they refund payments, I was beside myself. It would take about THREE WEEKS to receive it. They told me that it would take 5 business days to confirm it cleared my bank, 10 business days before they issue the check and another 5 to actually mail it out. Like REALLY?! This process is absurd. 1984 called and they want their pony express back. And the guy on the phone just kept repeating himself over and over and over. It was beyond annoying and frustrating.

Horrible interest rates! My credit score is a 780 and I've had the same card with Capital One for over 10 years. They continue to raise my credit limit but have me locked in with a ridiculous interest rate. I pay my bill before time and have never missed a payment. Yet, they are not willing to lower the interest rate. This should be a crime.

I have been a customer of Capital One for many years. I have always paid my account off in full and in time. Without warning Capital One put a stop on my charge account. I had no idea what the issue was. In February I sent a check for $1438.70 made out to Capital One. The check was cashed by Citibank using my Capital One account number. I have spent hours on the phone with Capital One and Citibank. Nobody will help. Capital One told me there's nothing they can do. They added interest charges to my bill. Citibank told me they could not identify the cashed check without a Citibank account number. There is no Citibank account number.

Hello everyone, I created an account just to text here so that people can see what happened and know what they can face if things won't get fixed. I needed a credit card and applied for two different banks, one of them was Capital One. I got two credit cards and have used them till now (4 months total till today). This is such a great review because you can compare and see the difference! Both banks give cash bonus for new customers, I'm eligible for all requirements.

I have been using their credit card to run my business for several years as 2% cash back is very attractive. I spend 30k a month or so and pay the balance monthly. I have a 780 credit score as well. This well run (sarcasm) organization froze my accounts with a 0 balance because they said they sent a letter last month asking for some tax info. I of course did not receive this letter, phone call or text. I provided the info they asked for and they will active the account 7-10 business days after receipt. This is ridiculous when trying to run a business. No phone call and they admit it, no text and they admit it as well although they will text you fraud alerts and call to offer me more credit services. I will be opening a Wells Fargo credit card as they offer 2% cash back as well. I am sure it will be delivered prior to Capital One unfreezing my current card.... Morons.

I mailed Capital One check to MetLife to pay the Insurance, Met life did not receive it, But the check cashed on on Jan 9, 2023. MetLife need me to show them the copy of the returned check, I got the copy, but the back check did not show any deposit information, no Met Life stamp in the back of the check. I called Capital One twice, they don't know where the fund deposit to. They don't know how long it will take to find out. I repaid MetLife already. 2 months, still no response from CapitalOne.

I have been with CC since 2015 with multiple CC and Checking accounts. I became behind on one of my CC, which I admit, I paid off my $1149.00 balance to 0 last night via my cap 1 360 checking account, the payment cleared last night and posted to my account with a 0 balance, when I looked at my account this morning it said "restricted" and to call customer service.

Received a promo email to add a second user to an existing account and spend $1,000 by April 28, 2023 and receive $100. Conditions were satisfied and no $100 appeared in the account. 3 calls and no satisfaction. Escalation to supervisor level and nothing has changed. Beware of Capital One and their bogus fraud promotions.

I have never encountered such harassment, discrimination and bumbling incompetence as I have with the fraud dept of Capital One 360. My wife was offered a Savor credit card after YEARS of checking and savings with debit card, etc. When the card arrived she tried to activate it but they ignorantly demanded that she send a photo of her driver's license. We decided that level of harassment and incompetence was over the line so the new $5000 limit credit card went into the shredder.