Capital One

I appreciate Capital One for acknowledging me as a person and not just one of million of card holders. You know how it is when family can base your character on your past. I had a horrible year 2019, car accident, therapy, etc. so I had a difficult time keeping up with my payments, two out of 3 cards were restricted, including my precious biz card that I worked so hard for. I've had these accounts for approx 5 years or more in good standing prior to 2019. Different than a couple of my other card companies with the same history, same faithfulness, they didn't care, immediately sent my accounts to collections. My good score plummeted over 140 points to 540. Capital One did not leave me high and dry. I called in and the CSR told me my accounts were restricted. I had no idea what that meant, but after talking more with her, it was over, a done deal with the credit.

I was lucky enough to call in to Capital One for assistance with questions and concerns regarding my pre-approval and I had the pleasure of working with a rep named Hema **. This representative went above and beyond to make sure that all of my questions were answered and that I was well taken care of. What could have been an extremely stressful process was made so easy and seamless that it truly made myself and my husband feel like we were being specially cared for. Not only did she do her job beyond expectations but she actually took interest in me, as a person, and she paid attention to our conversation as if I was a part of her family.

I've always hated the 5 star system, because to me you either love them (5) or not (1). That is how I see it. If I am a longtime customer of a company and I have been a good consumer, then of course anyone would expect for that company to help out in a sitch like ours, today. I talked with Steve at the call center today regarding my 2 open accounts and the APRIL payments that I WILL have a problem paying, due to being laid off work. I appreciate the consideration and help that they offered to me. I thank the company as a whole, for taking it on a case by case basis when determining assistance. GREAT JOB Steve and CAP1!

I had multiple credit cards and accounts and a perfect payment history for years, then one month my direct deposit didn't go in and none of my bills get paid, I found the issue had it fixed but things quickly spiraled since it wasn't fixed right away, I contacted all my creditors and out of four only two worked with me. Capital One was exceptional in reaching out to me and offering numerous ways to get back on track, easy plans and even gave me the option of suggesting to them what I could do which I did not take advantage of. I took one of their offers and In two months was back on track, I was still overdrawn but my payments were back on track, once a plan was set they didn't charge me any overdraft fees, late fees, I was only charge the first non-payment fees from the two missed payments before my deposits were fixed and my regular interest.

I've had a problem with fraud twice and Capital One never hesitated to help me. The professionalism of their employees is one of the basic reasons in them being the leaders in the Financial arena. If every company operated like this giant they probably would drive in business. I'd like to thank a Supervisor named Brad that has helped several times. I'd like to thank Rayline (customer service) who helped me today and also David who assisted in helping me today. They corrected my situation with no hesitation. I appreciate Capital One and will continue to do business with them. I will also encourage others to try them as well. I can personally attest to their wonderful customer service.

Bought custom rims and they did not ship me the correct rims I ordered so I disputed the purchase. I gave Capital One more than enough evidence to prove my dispute. They sent me a letter saying I did not give them a document from another wheel dealer telling what the original merchant did wrong so they closed the case with no warning. When I called them they admitted I gave them a lot of evidence but no letter from another merchant. They would not allow me to reopen that case or open a new case. THEY WILL NOT BACK YOU UP IF YOU HAVE A DISPUTE!!!!

If you are trying in any way to build your credit or make your credit score go up this is not the company for you. One main issue is with all their technology all of their online shopping tools, Twitter, Facebook, Instagram etc... all that stuff but there is no secure messaging? There is no email for existing customers? REALLY? I thought only the most crooked operated that way.

Very disappointed in their high interest (22%) but mostly my frustration is from them charging me interest AFTER I paid my balance off. I was very surprised to receive an email stating that I had a payment due when I knew that the previous month I had paid the entire balance off. When I looked at my transactions, I had paid my entire balance off on 9/3 and on 9/16 Capital One charged me $71.15 of interest on an account with a $0 balance. Calling them was a waste as they refused to waive the fee. I just hope that this will not happen next month too.

I tried to deposit a check using their on line tools. My deposit was rejected because it is from the same payor and same amount as a previous check. The new check is dated past the date of the other deposit, and has a different check number. Capital One advised me to either mail the check into deposit, or open an account with a local bank and have the money transferred. What is the point in using Capital One if I need another local institution to cover for Capital One’s inefficiencies? I might as well simply use a local bank and skip the hassle. Get it together Capital One. It is not uncommon to have like checks from month to month. To make matters worse, calling for assistance and being told I should have a local banking option shows Capital One is aware, but doesn’t care enough to have a solution for their customers.

I've had a Capital One card for 3 years and haven't had any problems with them hardly until Covid hit. I thought they were helping me out but because they don't accept payments on Sundays which is ludicrous. My payment was made on time but was pushed to the next day and a past due fee was assessed. You all need to be ashamed for charging hardworking and dedicated people who pay their bills on time although we might not have it. After I pay this card off. I will be closing my account. I'm very disappointed. I spoke to 2 managers and they were no help and the manager today stated I will never be refunded that past due fee although I've been on the Covid repayment plan since March 2020.