Capital One Reviews

I got a helpful review indeed. First in formost Walmart is stupid for combining with Capital One. Walmart was perfectly fine without it. It's dumb that I am forced to use this sorry excuse of a credit card system because I go to Walmart. Secondly, Capital One is trash. I have never seen any credit card system force you to pay before 8 pm. Aren't they supposed to make you feel comfortable paying them? Like CITI does? Last but not least, everyone who is looking to using Captial One, I suggest CITI. I've had better experience with them. TLDR: Capital One is trash, use CITI.

I have been a customer of Capital One for about 10 yrs and may I add to it I've never been late. I called capital one during this time of the Covid 19 and ask if I can have my interest charged waived because I lost my job. Their answer was "NO. There is nothing I can do." But I called Discover and ask the same question, Discover did accommodate my request and waived "ALL" interest charges since February. Capital One you're garbage and inconsiderate of your loyal customers that need help during these time. I highly recommend anyone looking for a credit card to APPLY FOR Discover. They rock.

As a person affected by the coronavirus, I was unemployed as of March 19th 2020. I maintained my account with Capital One and once I received unemployment in May I begin to pay off my cards, including this one. I paid my card in full on June 12th, but on June 17th I received an interest charge. As a customer of 6 or 7 years and now with a balance paid in full, I asked for a courtesy to waive or credit my account on June 18th to two representatives. I was told no by the first representative and then asked for a manager. I was given to a supervisor who was rude and told me I cannot speak with a manager and that they would not do anything for me even with me being a long time customer who is unemployed and had just paid the card off in full.

To whom it may concern,

Stay away from Capital One. They do have 0 professionalism, I got my credit card and have not received my pin. Called Capital One to generate pin and reset my pin. I was on the phone 2 hrs. I was throw out from one Department to another one like ball. At the end they said can't do this. Do not get any products from them. Never.

I have come to this site for a very good purpose. And that purpose is to warn other good responsible customers not to get involved with Capital One Credit Cards. I didn't apply for a Capital One card account, I inherited from another good company name Synchrony Bank. They managed my Walmart card very well. Now Capital One is the manager and it's just terrible. They are dishonest, unorganized and uncaring. I used my Walmart card to order kids furniture for Christmas. Once arrived the furniture was defective. I called Walmart and they stated they would send second furniture and credit my account. Once second furniture arrived the headboard was missing and was told that this piece of furniture wasn't for sale and shouldn't been shipped out to me. They stated they would have all the merchandise picked up and my account credited.

I went to Capital One auto finance site. I was pre-approved in minutes. The journey to my new car was unbelievably easy. When I finally pulled up to the dealership my car was parked by the front door ready for pickup!

I had been with Capital One 360 for years, ever since it was ING Banking, and I used it for so long because it was a convenient option for saving money. I always thought that the service was convenient, until last year when I had to jump through several hoops in order to open up a credit card with them. Capital One 360 made me verify my identity online because I couldn’t verify it via phone line on account of the fact that I live in China and have been living here for almost seven years. I told the employee this and there seemed to be no problem with where I lived, but the verification process took days to process and ended up being declined because I needed more documentation that I could’ve originally provided had they told me.

I highly doubt I'm the only one who's experiencing this as I am sure there are thousands of other U.S citizens who temporarily live outside of the U.S and do not have U.S phones. I haven't had trouble accessing my accounts online until fairly recently when they eliminated the option to be verified via registered email address. Instead it now keeps redirecting me to verify myself by receiving a code to a registered phone number. How am I supposed to review my credit card statements and my credit score when I'm being denied access simply for not having a registered U.S phone?

Good afternoon to all the people who use Capital One. Just to let you know they made the worst bank list in New York now. Let me explain. We are in the midst of a pandemic. People are not working. People are still staying home and some are disable like me. And because my account was overdrawn they have the audacity to charge you $35 with people still unemployed and people starving and as I explain to the representative my wife is a front line worker a nurse so I asked is there any remedies for Frontline workers or disabled people and they told me no so in my opinion this is a bank That doesn’t help the community. They suck the blood out of the community “” so you decide what bank you would like to use because capital one is not the one!!!

I paid off an auto loan and credit card in full that had previously had a past due balance due to a job loss. I sent a request a request to Richard ** to have the auto trade line removed from all credit reports, because the Capital One credit card trade line was removed. The deletion was needed due to secure a new home after being told by the owner of my home I had less than two weeks to move or he’d have as many people as he chose to enter the home during COVID19 without masks and expose my health to anyone carrying the virus.

I have had a Capital One credit card for 16 years. Have had 3 open accounts as of this year. I paid all of the balances in full. I have had two pay cycles of revolving interest due on my card based on payment date and due date. This last month I called to have the $3 of interest on interest due removed from the account and my request was denied by the agent and supervisor. I have cancelled all 3 accounts.

I was approved for a Capital One platinum card. Received the card and made 4 purchases on it paid all of the purchases off in the amount of 72.00. I was told the account was closed by Credit One because my bank disputed and denied a duplicate charge made on the account. This was in March. I then receive a statement saying I owe 96.53 for interest, past late fees but when I call the account is closed.

I have been a Capital One member for over 30 years. I had an emergency in my home and needed repairs, I decided to use my Capital One card for $3,000 it was declined! I didn't understand why because I had plenty of credit and I have never missed a payment however when I called the company to find out why the transaction was declined they told me I had not made the payment. After looking further at my records they realize the payment was made but I was short by $4 on the payment. Well that was a mistake on my part because I mixed up my money orders.

I contacted Capital One today after paying off a large credit card debt 2 weeks ago. I had gotten a bill for $67.00 in interest. I had lost a job in March due to the virus after 19 years of employment. I borrowed money from my family to pay off the card so I wouldn’t have more bills to worry about without my income. I got ahold of someone finally after about 30 minutes of holding.

I hope in the Capital One credit card two years ago. This is my second credit card that are open for capital one. I asked the representative if I could change transfer my current balance from the open capital one credit card to the new capital one credit card with a lower APR and a higher balance and I was told I could not so needless to say I have not use that credit card since I opened it and today I received the email that my account was just closed due to inactivity. I think this is a sorry excuse for a corporation To give no due process to the consumer that they are doing adverse action on an open account of theirs to me. This is irreconcilable. They also told me, "Well this account cannot be re-opened." I used to have very high regard for capital one but no longer. I’m in process of moving any balance to AE.

I opened a personal credit card with CapitalOne 15 years ago. I got notice that they elected to close my account without notice. When I called CapitalOne I was told there was nothing that they could do, they did not care that they were going to adversely affect my credit. When I asked to speak to a manager, I was told I was speaking to one and there was no one above the person I could talk to. I was then told, I could apply for a new credit card as a solution to my issue. I have been a loyal customer to them for 15 years, I have another credit card and several CD accounts with CapitalOne, I pay my bills on time. I am very disappointed in the practices of this company and lack of customer service. I will not be doing any further business with this business.

I had a credit card with Capital One for about 10 years. They became uncompetitive over the years by never modifying the rewards for my card so I stopped using about 2 years ago. I still kept it in my wallet for emergencies though. No biggie right? Nope, I received an email saying my account is formally closed. When I called and asked if they could reopen they said, No." I use Capital One for my businesses too and told them I will go out and find new credit for my business and close them down too and they said, "OK."

I have been trying to get my $302.74 back from a scam company since November 2019, this scam company sent me an email in December 2019 informing me that they had put the money back on my card but this was an absolute lie....I was May 19,2020 told by Capital One that they are not refunding my money to me because I had to copy and paste this email to send in to Capital One due to being confined to my home during Covid-19 and as soon as I was able to go to my office I faxed the document to them with an explanation and still they will not refund me this money. I contacted Capital One three times in March-May 2020 requesting a call back from a manager and did not get a call.

So I am a small business owner and was FORCED to close down my business. I had to use my money saved to pay rent and store rent, food, etc. Cap 1 was last in line. Well I was late April and May. I finally was able to get open and paid everything past due and became current again. Well I finally was able to have a rep call me back after 3 hours. They stated we can only remove one fee. Not both. What a scumbag company. Please if you read this, remember they DO NOT care. They 100% do not care about COVID-19 business close downs. THINK ABOUT THIS. If you are late and call in and have never been late, what do they do, they remove a late fee as a courtesy right! Well they had the opportunity to step up and help and waive both, but no. I will pay off this card and tell them to shove it up the **. POS company.

I pay my credit card every month. I have been paying higher amount the last two months. Typically my payment posts as available by the end of the day. Twice now this month, my payment take 14 days to post. I've never had this issue. I've never heard of "this is our policy on occasion". I'm not sure you can have an occasional policy. It seems more like you're holding my payment so you can collect interest because I've been paying my card off. I've tried calling, I'm told sometimes this happens. Well it's happened my last 3 consecutive payments so it's all the time and it just started when covid hit.

I had a rough year last year and had gotten behind on some payments. I was told make 3 consecutive payments at any time and my cards restriction would be removed. I not only made 3 consecutive payments, I managed to pay off the card during the pandemic, thinking in case I need to use it I’ll have it. After I make 3 consecutive payments and pay the card off they tell me that unfortunately they can not lift the restriction. So, I was lied to during this pandemic just to get my money. They kept saying they wished they could help but unfortunately they couldn’t. I hate that phrase. Don’t tell me you wish to help if you can’t help me. And don’t lie to me to tell me that if I do make 3 consecutive payments that you will turn off the restrictions and once I do say I’m sorry. Don’t trust them and what they say.

I have spent at least 14 hours over the last 3 days on-hold and being transferred from one inept call center employee to the next with no resolution as to my miles being reimbursed for a flight that was booked through Capital One on their app. The amount totaling almost $800 in value doesn't seem to be their concern. I've had an employee, (Cathy) hang up on me for asking her why she was lying and then requesting to speak with her supervisor. I've been put back on indefinite hold after having just gotten off of hold and being told I was sent to the wrong department (this has happened several times but most notably and blatantly by Nick). I've been told by Deanne that she not only did not have an employee ID number but also did not have a supervisor - so apparently she's the top of the food chain. I'm sure Warren Buffett would love to know that, since in a roundabout way he actually owns Capital One.

Overall my experience has been good with Capital One until today. I am on hold for two hours to report possible fraud on my credit card. They need to provide much more customer service and ensure that timely reporting is possible.

This company continues to amaze me. My card is relatively new and my account balance is $0 and it is showing no available credit. When I called to speak to an agent, the automated system said my wait time was 1 hour. I waited for over an hour and twenty minutes and finally gave up. This was the second time that I called in to reach an agent and wasted over two and a half hours total on hold. Still no resolution.

Don't get a Capital One credit card! During COVID-19 crisis they continued to charge interest and fees and state that zeroing out a payment is the best that they can do, this action helps them assess more interest on your balance, and makes your balance grow even though you are not making charges! Capital One takes advantage of the customer by taking advantage through the COVID-19 crisis! They use a natural disaster to make more money! Don't be a victim of greed. Honestly I do have one great thing to say about them, they are extremely excellent at apologies! Take that to the bank!

I was disputing a charge to my card and called the customer support number that was given. I had a very difficult time understanding the individual that I was speaking with and asked where she was located. She said she was in Costa Rica. I then asked to speak with her supervisor and was on hold for two or three minutes. The person that was connected to spoke very clearly, but without a helpful attitude. I explained to her that I was not able to understand the woman in Costa Rica and asked her about the call center.

I had been a Capital One cardholder for 19 years, with a perfect payment history and an excellent credit score. When I checked my account today, it had been unexpectedly closed. A representative told me it had been closed for inactivity, and he refused to reinstate the account. I was never notified in advance, and the bank clearly took this action due to the COVID-19 crisis. This is a horrible way for this bank to treat its longtime customers at this time of crisis when it should be going to huge lengths to be a good corporate citizen.

I did an online order for a credit card. They sent an email to sent a security deposit and in 5 day show get a verify package but never received it. So when I called them they say it is still in process and someone will call. It had been 10 days later and still no call.

On 4/28/2020 my wife answered an ad offering $500 bonus and a 1.5% interest for opening an account with new money. We went through the fairly easy process to set up the account, the suggested promo code was pre-populated, my wife's information was gleaned from an account she opened in 2016, set up a transfer of the funds from a different bank. When we got the 'success' screen it also said that the promo code was not accepted. We called the 800 number and got assurances that it is a computer glitch and we need to call in August to start a review to manually apply the promo (the $500 bonus). My wife then called a local branch and they informed us that she is not eligible because she already had a promotional account opened in 2016??? We wrote an email to: Shelley **, Director of Complaints, Richard D. Fairbank, Chief Executive. Of course no answer has been provided yet.

I entered into a settlement arrangement to pay Citi on my account ending in **. The LAW provides for 90 days once entering the agreement, regardless of proposed installment dates. 2/26 - I paid $250 3/26 - I paid $250 4/26 - Final Payment tentatively to be paid for $751. After being affected by Covid 19, I called to get this final payment date RESCHEDULED, and they flat out refused. I know for a 1000% FACT that they can do it, and that provisions of settlements allow in regulations for a 90-day payment period. I also know this to be true, because AmEx, Citi Financial, and Discover all allowed me to do it. I asked to pay it on May 15 (still less than 90 days from start of plan to finish) and they flat out refused. I requested time to pay due to Covid 19 income loss and they flat out refused. I requested another settlement for the remaining $751 and they flat out refused.

I had a Capital One Venture card and canceled in less than a year. NEVER would I recommend this card. Trying to get my refund on a flight canceled by the airline was absolute ++++. HOURS on the phone with Capital One, hours on the phone with Capital One Rewards, hours on the phone with Capital One Travel, hours on the phone with the travel booking company they use. My longest hours of waiting was about 7, there were the hangups after hours, there were the transfers and disconnect, there were the transfers then more hours of waiting. Then the BROKEN ASSURANCES. Add to the insults, they "lost" the airline refund only to find it after more calls and more transfers. The airline refund went to the booking company then to Capital One Travel then to Capital One Venture card.

Was told high call volume would mean a twenty minute wait and so far have been on hold for an hour and 20 minutes. Capital One has always been a great company to me but very annoyed today. The company needs to hire more staff obviously.

Awful customer service with this company. This is my everyday credit card but I see now why people review their service so horribly. I spoke to a supervisor after I was told I couldn’t take my interest charge off and he proceeded to belittle my situation. He told me I didn’t read the guidelines. He then said there’s no one else to speak to other than the administrator and that he was hired so that we could talk to him because the administrator has more important things to do. He then told me to stop cutting him off, kept talking over me, didn’t listen to how unfair my situation was. This is all during the crisis of COVID 19 as well. He then tells me he cannot take this “correctly charged” interest off.

I have 2 Capital One credit cards. During these hard time I've made several payments to bgg through the help of my family. The payment are posted now. They want to hold my funds for 8 days. They tell you make a payment and your funds will be available immediately which is not the case. They are rude, very unprofessional and do not care about their customers. Sat on hold for 2 1/2 hours for them to say I can't do nothing which isn't true because last month a manager helped me out and released my funds. I wouldn't recommended capital one credit cards without getting proper information on the process but that will be hard because every representative has a different answer for you. Calling Better Business and false advertising on them. These are very hard times and capital one is the worst.

I had quit using the card after finding a much better rate, pretty much forgot about it. One day I find they've sent my account in for collection due to a charge and balance I hadn't paid. I had cut the card up over a year ago. I couldn't speak to anyone about it, customer service was non-existent. I tell everyone who will listen to not use this company, they just don't care about their customers or what they do to them. Worst credit card company I have had the displeasure of dealing with. You are a number and they don't care.

I have been a Capital One customer for many years and this company does not care about helping its customers through the pandemic. It's impossible to sign up for relief on any of their websites, but they make you think you can, so you end up having to get through to their call center. I spent hours trying to get through to anyone who will help, only to have to do it again in a few weeks because they want to be irritating. Capital One would really benefit their customers if they took a look at how other credit card companies are working together with us. We are all in this together -- FYI, take a look at how Apple Card is handling things and learn how to be better.

A fraud for $1,479 was charged to my card. They gave me temporary credit to then charge it back. They have no proof this charge was legit and still kept the charge. When they asked I fax receipts that I paid for such charge with other cards, they claim they never got my fax. I faxed this 3 times. In fact the merchant said they never got paid by CapOne. So Capital one is keeping this money! I also know they’ve done this to 3 other people I know.

I have been a customer of Capital One for almost 7 years. Recently I have had identity theft that has caused some issues with people trying to open accounts. Capital one has by far been the worse to deal with! There was a second account opened using my personal information in my name with different employers and home addresses. When Capital one opened this account it caused the fraudulent address and employers to appear on my credit report. Now if those people apply for additional credit the credit bureaus show their information on my credit report.

I am locked out of my online accounts. After a total of four hours on the phone with technical support. Nobody seems to be able to fix this. They supposedly filed a ticket but then couldn't give me a ticket number or case number, so I have no idea if the ticket was even submitted. Overall I have to say that I've had a very unprofessional experience with customer service/technical support. I have been a customer of Capital One for 20 years and it took them only four hours to destroy my trust.

Capital One Credit Card says you can earn $150 rewards after three months of spending $500. I did not receive it and they said I forfeited when I signed up!! Why would anyone do that!! They ripped me off! Called customer service many times and did not get anywhere.

I've been a customer with Capital One since 2011. I at one point loved the customer service and the company overall up until September of last year. The customer service was so horrible I decided to close my account. Through the past several months I've been doubling up payments to clear out my balance. Unfortunately, Covid-19 has affected everyone including myself. I called today April 15th and waited on hold for 32 minutes to see if there was anything that they can do to assist me. Their response was NO. I asked for lower interest rate for a couple of months or any type of assistance. The rep again replied NO. I never asked to skip payments, I just asked for them to work with me. This is by far the worst company that I've ever encountered. I will NEVER apply for anything related to Capital one again.

Capital One would not tell the merchant to refund my money even though traveling from US internationally during COVID is impossible with Level 4 travel advisory. Shame on them for not fight for me during this time of crisis.

I am very dissatisfied with Capital One after they withdrew $3400 from my bank account using AutoPay for charges I did not make. They sent me a letter indicating potential fraud a few months ago and asked that I call, which I did. The fraud department was very vague and secretive, and did not provide any details of any charges, but indicated I could no longer use my credit card. I also checked my online account, but I was locked out. I was later notified by letter my account was closed. I found this peculiar because with other credit cards, they simply sent me a new credit card with a different number.

Two issues: Trip was cancelled by airline and they would only offer credit. Called many times to see about refund through card. Was told no, I asked to have it “bumped up” to a higher level and have not been called back now in 10 days. Today I tried to ask for a decreased interest rate (9.9% for three months is what other companies are offering) and was told NO. But they could waive my minimum payment? Who cares about that? It’s a relatively useless concession from them. I know these companies don’t really care but at the end of this I will be making decisions about which companies were helpful and which were not and will keep the cards that were helpful.

Looks like Capital One Business Customers are SOL when it comes to the PPP Corona Loan Program. As of April 10th there is no avenue for Capital One Business customers to apply through for the PPP. Sure, you can get a cup of coffee there but that is it. CAPITAL ONE...DO YOU EVEN HAVE ONE SINGLE LOAN OFFICER THERE??? I think not! When this is all over Capital One...I will be closing my account!!

I incorrectly attributed the recent loss of my Earnings to a Capital One policy. Got my $50 today, and found out GM has set the policy for my Capital One account. GM took the $34 away from my earns, NOT CAPITAL ONE. SORRY CAPITAL ONE..

I have been a loyal customer for over fifteen years and have never missed a payment. I have an excellent credit history with capital one. I lost my job in December and because of Covid-19 I have been having some difficulties with bills. I call Capital One to see if they can help me because my other credit cards like American Express were able to help until I get a job so I don't ruin my credit. Capital One refuse to help and said that there is nothing they can do. As long as you are able to make your payments they love you but if you are going through a hardship don't count on them. They want you to miss payments so they can report it the credit Borrows. The best card to get is American Express because they care about there customers.

Capital One bought the Walmart Credit Accounts from Synchrony in Oct 2019. My credit rating was above 800. I have worked hard to have good credit. Sometimes it is not easy and here is an good example of it. I never miss a payment, but Capital One canceled all AutoPays. I tried to set up AutoPay. I changed to their system after talking to the C1 Account rep in both November and December 2019. A payment was made on time in November but the tried to draft a Bank Account that I had closed over a year ago. The payment was returned of course.

Upon contacting Capital One today concerning my unemployment status due to Covid 19 and requesting some type of assistance since I have never made a late payment and have always paid my monthly balance in full, the only option offered was one month zero minimum payment while interest continued to accrue. No lowered interest rate for a few months, nothing! Really, how much help do you think it is to defer one $25 payment for one month! While mortgage companies are helping by deferring up to 3 months in payment, Capital One is fleecing their customers. Shame on you Capital One! I will be canceling my card as soon as possible.

There is an illegal $1,650 charge on my Capital One Quicksilver card. I have explained to them that it is an illegal charge and provided all the necessary evidence to prove that. However, for reasons that I am still unsure, they are not removing the charge from my account. I wouldn't recommend getting a credit card from them. They are not very helpful if there are disputes or some kind of issues with your credit card. Go to a different company. I have wasted an incredible amount of time waiting on the phone to speak with their supervisors, different departments to no avail. Hopefully, I won't have to deal with this company in the future.

We tried to find out why a recent purchase at Walmart on Hudson, N.Y. was declined. We pay the account in full, every month, way before the due date. After waiting on hold, seemingly forever, we could NOT get an answer. They seem to employ the mentally handicapped. I will NEVER use their card again. Capital One sucked from the second they took over my bank decades ago. It's nice to see nothing has changed.

I just closed both of my credit card account due to the ACCOUNT MANAGER DOES NOT know the TIME, it must be ReEducated. He/she said 8:01pm - 11:59 pm is consider the next DAY, haaa haaa haaa, how S...illy is this person, WAKE UP. Are you sure you are one TOP executive??? I will report this to local TV also, Channel 12 News, NY, NJ CT, ... **

Dishonest! In this time of COVID-19, this company is withholding my ability to use the $5k I have saved up in rewards points to use for gift cards. They tell me I can use it later when it becomes available again or cld use it for travel! They are "unable" to provide the gift card through email as well. While other companies are stepping it up and contributing, Capital One is yanking out the rug from under its clients.

Capital One charged a finance fee on my card that was at a zero balance and refused to resolve the issue over $3.28. Auto finance team was also not very helpful on several aspects. I have done lots of business with this company and will no longer. Do yourself a favor and choose a different credit card company! Plus, their benefits aren't all that great.

Their mobile app. is horrible. It keeps freezing, crashes very often. If you activate the two step verification, you will be only limited to access your account through their mobile phone app. for only twice a day. After that it will lock you out for 24 hours! They don't have enough ATM locations. Their customer service department is horrible! Although, Capital One is offering free checking but they lack in providing excellent customer service and technology.

I was approved for a Capital One platinum credit card and everything was going smoothly until I made my first payment, they were quick to take the money out of my checking account and show that it had gone through but did not credit the payment within that time. When I called them to see what was going on the person on the phone told me they would have a 7-day hold to first confirm with my bank, if it wasn't because I have had Discover customer support tell me that they can contact my card issuer (in the past) to confirm the payment I would've most likely left it at that but when the agent took me through going into my Chase bank and still didn't contact my bank instead tried to create a report through their side, I was left wondering why they needed that information, then they tell me that their system wouldn't let them credit my payment because they couldn't confirm if it went through with my bank.

So in December of 2019 I was abroad and wanted to send a payment to my Capital One credit card. So I call customer service requesting instructions on how to send you payment. To make the story short I did as I was told and I never received the money that I sent. So I open an investigation and during the so call investigation I was asked multiple times to submit paperwork I faxed them 3 times called them to confirmed receipt. Every time I called I am placed on hold for a long time. Now 3 months later I received a letter saying that because I didn't supply them with any documentation they closed the case. It is terrible.

I have been a loyal customer for 2 years. I never missed a payment. I never had a payment returned. Always kept my payments on a great balance ratio like I’m supposed to. Capital One is holding my recent payment due to me successfully paying my balance too much as explained by the account supervisor. I can’t use this card until they release my funds.

I'm on the phone with a rep trying to make my Credit Card payment and have it post the same day. I keep having to tell the rep Padro ID** to have the payment post today. He keep placing me on hold and transfer me to someone name Sean and he had no idea what is going on. I go to Walmart to pay my Cap credit card every month I'm not sure if Cap 1 is doing something new but this is terrible.

I have been a Capital One customer for about 15 years. I normally pay my balance every month but with the current economic crisis due to Coronavirus I will need to switch to smaller payments for awhile. I called Capital One who claimed they were there for their customers and would work with people during this time. I requested a lower interest rate. My current rate is over 19%. They said they could do nothing. That was the best rate they were offering. I have excellent credit and have never had a late payment. This is the best you can do!? Nothing!? Shame on you Capital One!

Tried to open an account but was sent an electronic identity verification process. After filling out the process, received another email indicating the documents were approved, and to log on online to finish the application. However, the system seemed to have none of the information entered previously, and was required to fill out everything again, restarting the identity verification cycle. Tried to call customer service who was extremely rude, so forget it, going to BofA.

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!

UPDATED (04/26/2020): Capital One provided me a credit card in 2019. I used it, never used the amount allowed, paid my balance of what I used, and if paid I believe 7 payments you get an increase. I always paid more than expected before due dates, paid off and they granted me an increase. Shortly after that I received an email my card was restricted, I call they tell me what I already knew, restricted and said they had no additional information for me except I will get a letter explaining why. I still have letter and it said nothing but that they made a mistake in giving me three credit card.

I just called 2 days ago because I have a restaurant that I needed to close due to the virus and it’s only temporary until we are allowed to reopen. I asked what can they do to help with my 4 credit cards and the response was, "I’m sorry there is nothing we can do at the moment. We are monitoring the situation." I cant believe they are still monitoring it since everything is closing and 500,000 + are out of work but my co-worker has had his payments suspended temporarily. Why not mine. DO I NEED TO GO TO THE ATTORNEY GENERAL IN RHODE ISLAND.

I paid off my Capital One credit card and they still charged me interest, On zero balance, They are crooks, When I called they explained I had a balance for 3 days, The 3 days it took them to apply my payment.

I understand that the world is in crisis with the virus. But my own crisis in my home is trying to get ahold of Capital One, I waited today for 3 hours and 40 minutes with no one answering. I’m very frustrated. Unacceptable. I am pulling all my accounts.

My experience with Capital One 360 banking today they reminded me that I’m a ** man in America. A customer wrote me two checks in a week from their bank. Cap one contacted me and force me to give them the customers number to verify if they wrote me the check. That was embarrassing that the bank I do tons of transactions they had the checks for over a week to verify it thru the customer account.. Please share. We keep America moving.

During corona times, I got laid off from my job, I called auto finance in Capital One to defer my payments for 2 months, they give me one month with INTEREST. I told them guys why you wanna charge a guy who is setting home an INTEREST. They said: it's a system. I think it's a shame and shame and shame to charge a client an interest during hard times. So I asked him what's the interest 15 dollars a day( 450 a month) haha. Plus 707, so once I finish with corona, I will pay them 1150, really haha..never deal with you scumbags again, and make sure everybody knows that.

Good day, A few months ago I forgot my Visa card at home but I had the Capital One Master Card in my wallet. I was purchasing laptops for work which totaled $3500. The Capital One card was declined multiple attempts even though I knew I overpaid the card and had $9000 to $1000 available credit. After a 1.5 hour wait on the phone and more than one agent, my card was unblocked and the purchase went through. It was an embarrassing experience and painfully long wait, all because of prior major Capital One breach and tougher measures were imposed.

Not there for you during a pandemic. We live in an area of high tourism. Called to ask them to waive the annual membership fee just for a few months. That money can be used for groceries while we wait for unemployment. After having this card for a couple of years and paying on time, they said no. Asked for a credit line increase in the amount of $200... oh that decision will take 10 business days. What a poor company during this time. When all is said and done I will pay this card off and never use them again....

I've been a very, very long time Capital One Credit Card holder, 18 years to be exact. I've ran into two times in my life where I became financially distressed and today is one of them. I am a very engaged customer and am always on top of my payments and usage of the card. Once I was diagnosed with Renal Cell Carcinoma, working full time became difficult. I even got laid off a few months back and have been practically begging Capital One to be understanding and work with me so that I can not continue to get drowned in interest charges while accruing driving up the actual balanced owed.

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.

Earlier this month, after receiving a notification my credit cards that were expiring were being replaced in April, I waited to receive them. After waiting over a month I called to check on them as they were not received. After Calling in and speaking to an agent they apologised for the inconvenience and said they were having new cards sent to me. They just needed to put me on hold for a few minutes. At this time the cards I had were active and functional with no issues for another 45 days. After being in hope for maybe 2-3 minutes, the line dropped. I called back re-explained my issue and was hopeful this last call would fix the issue. To my surprise the 2nd agent told me that my cards were cancelled and I would not be able to use the service until the new cards arrived.

I would never get the Venture card. Raised my interest to 20%. I called customer service and asked to have my interest rate verified. And sure enough it has been raised to 20%. So I asked if they could lower it due to the fact they're getting their money at less than 1%. They not only said no but they would be raising the rate next month. Guess that what you get for being loyal to a brand. Going to close all my Capital One accounts. They can keep their greedy money.

Capital One has taken over the Walmart credit card. I had the Walmart card for nine years, and never had a problem. Then, on the first capital One statement, there were two almost identical $ 150.00 charges made four days apart that I did not recognize. I notified Capital One, and a new card was sent. A week later I get a letter that stated the "investigation," which took one day, showed that I, or another account holder (?) benefited from the transactions. I am the " only," one on the account. When I asked what was purchased, I was told: " We don't know". What kind of way is that to run a credit card company. " We don't know?" Really Horrible customer service. I didn't ask for a Capital One credit card, but got one anyway.

Needed help with my bill when I fell on hard times. I wasn't late on a payment yet so I was trying to be proactive. Tried to get a payment plan or lower interest rate but they refused. They actually wouldn't help me unless my account wasn't in good standing anymore. Reps were condescending and unhelpful, also kept transferring me back and forth between departments. Literally no other bank had an issue offering a hardship program even smaller banks. As soon as I pay off this card I will be closing my accounts with them.

My wife and I are on a mini trip to boston to see the Celtics. Before we went on this trip we paid her card off in full to have in case of emergencies... well that happened. Don't want to go into details..We still have my wife's card. Go to use it. And it wont work. We get a call for fraud which was fine mind you as we appreciated the heads up. My wife told them we are at the celtics game and need to use the card he said no problem it will be on shortly. We wait a little while try to use the card again. And it wont work. We leave the game call explain the situation and they tell us they cannot do anything without us sending in 3 forms of id.we explained we are on vac. We told the last gentleman that he said no problem. Well they never put the card on and we are still waiting to speak with a supervisor to figure out the situation... the best part is we have another capital one card and the lady said she couldnt guarantee if we used that card in boston to help get home it might get restricted also. Jokes. Wish nothing but the worst.

I pay them on a 500 Card anywhere between 2-3k a month in full 2-3 wk of which they have now nuked the relationship by holding ALL Payments and now have directed Fraud to handle all Transactions and approve them. Seriously over 6-7 mo paying 3-4x over the amount of Card and now you want to play games with the Card. How about letting me do my Job instead calling the Fraud Department to “Authorize” the Funds and release all the holds you guys have done. This is ridiculous, discrimination, defamation of Character not to mention hurting my Credit Score because of your ignorance. How about putting the Card back to normal status and let me do what I need to do which is give you as much money as I can and you let me use the card so I can build my Business instead of asking for Permission like a kid. I’m not your kid. Now knock the nonsense garbage Mickey Mouse games and let me do my Job.

My 16 yrs old daughter was scammed by a man on Snapchat that had her deposit a check from him into her account. She did and now the bank tells me she can never bank with Capital One again! So for her deposit of the scam check she has to pay for that the rest of her life at 16? It doesn't make sense to me because we all know teenagers tend to make bad decisions and hopefully learn from them! But Capital One doesn't give you that chance! I think it's ridiculous to ban her for life at such a young age for hoping she would receive some money!! We may know better that a stranger won't send you money but a teenager really doesn't! Now I have to switch banks for my daughter to have an account with me! Sad that it has to be handled this way!

I cannot express how utterly disappointing and frustrating trying to block payment of a disputed "pending" charge was. It had not been paid by Capital One, the charge was merely pending. No description. I googled the charging vendor--it came up as a scam. I told the CapOne representative on the phone that I did not want the alleged charge paid. He first tried, with me on the line, to call the charging vendor. That resulted in 5 minutes of automated call waits until it threw us over to voice mail, and then the call hung up on the vendor's end before a message could be left.

I applied for a Capital One credit card a little over a month ago. The next day I received word that I had been approved and that the card was in the mail. 3 days later I received word via a phone number I had not included on my account that my account application (which they had somehow pulled via some 3rd party nonsense without trying my listed number) that they were going to run a fraud verification to ensure I was who I said I was. Fair enough. This started a 15 day journey of waiting on hold, being talked down to, and receiving unclear or incorrect instructions.

I signed up for my Capital One Venture card through Credit Karma because they offered unlimited airline mileage PLUS 20,000 bonus miles. When I met the requirement for the bonus miles I did not receive them. I called customer service and they said a supervisor would call me in a week. They did today. Guess what? Because I signed up through Credit Karma they would not honor this. EXCUSE ME! They are your representative AND advertised the bonus miles on your behalf!! She was very rude and you would think that since I signed up in good faith that Capital One would honor this. They did not and would not. BAIT AND SWITCH!! She said they have asked Credit Karma to stop doing this. Something Funny here. I will be cancelling this card as there are other cards offering airline miles. Maybe not bonus miles but I can't do business with a company that defrauds its customers in this fashion.

I’ve had the Capital One card for more than a year. So on Jan my wallet was stolen. I called capital one to request a new one after. They requested documents to verify my identity so I did. They sent me a email for the attachments and I thought I sent it but due to poor service the email canceled the request, so I waited 3 days and they called me back saying they reviewed my documents and for whatever reason that they wouldn’t say lol decided to cancel my card and I asked them if I had sent the right documents they requested (knowing they didn’t have it cause it failed to send lol) and he said they reviewed it and made the decision and I started laughing saying I didn’t send anything and he hung up on me. So please please don’t even consider this card !! Or the Walmart one. You will regret it!!

Paid in the balance in full with the representative and I asked that it right we're at zero. She said, "Yes your balance is at zero. No surprise charges." And what happened they added almost 36 dollars afterwards. Called in again to see what it’s about. To get one courtesy waived fee. They said no. That was the weekend. Monday I call. I speak to Kevin. He explained the whole thing him. He said no problem. He took care of it. Fee waived. But guess what - it wasn’t. And now I call again. Spoke to a supervisor who wouldn’t give me a number to speak to someone higher than her. She said, "Go to the website and look it up yourself." Rude and very unprofessional. I guess me being with them for 19 years and never late on payment does not count. Bad business.

While Capital One offers cash back cards and no annual fees, they have terrible customer service. I have a few examples but will provide two. After a few years of having my card and paying off the entire balance every month on time, I requested a limit increase and was denied. They agreed I had A1 credit but said I never exceeded my existing limit so they couldn’t increase it. Seemed dumb to me but no big deal, I just used another card for a large purchase I was making. Then more recently I had a fraudulent charge on my statement and they refused to investigate it. Said the card wasn’t maxed out therefore it couldn’t have been fraudulent. But it was. And not every fraudster acts the same. This is a company who has unreasonable policies, very poor customer service, and doesn’t care about retaining a good customer. I don’t recommend Capital One. Go somewhere else.

I have has this account less than 30 days and I'm over it already. I had a large amount deposited into my account from a divorce settlement. I purchased a home and I am closing tomorrow, went to wire the funds to the title company and it wouldn't let me, so I called and they said "oh you cant wire funds for such a new account". Thats not what they told me when I opened the account. They also said, "You can get a cashier's check at a local branch." The nearest one is 172 miles away!

I recently lost my entire family within a year's time. On too of everyone in my immediate family dying, the house I grew up in had 2 major insurance claims. After one full year of not having running water, the insurance company finally cut a check for water to be restored. I deposited this check into Capital One mobile checking.

I have been a loyal Capital One credit card holder for nearly 30 years. Recently there have been changes to security that make this a very bad card to use when traveling. Recently I was in Australia and needed to purchase airline tickets. When I went to pay I was transferred to a Capital one site that tried to verify my purchase by sending a code to my USA mobile phone number which when traveling is impossible for me to receive outside of the USA. I phoned customer service and was told 1. They can do nothing to stop this "automatic" process, and 2. it isn't possible to add a foreign telephone number or to use an email address for such a purpose. End of story! Too bad!!

I am in Europe on vacation, trying to buy air tickets through Air France and my card is denied/blocked. There is no email asking me if the charge is valid. I call and go through the normal authentication and then they want to text me a six digit code to my phone on record to make sure it's me. I don't have my US phone with me, when in Europe I use a local mobile phone. However, the CapitalOne system does not allow me to enter a foreign phone number into my profile so there is no way for me to get this six digit phone. I tell them to send me the code through my email like my online account does. No, they can't do that either and we are done.

I just received a bill for $ 14.98 from Capital One. I have been a loyal customer for years, always on time and always more than minimum. I paid my last statement in full, $ 1,100. Then, I get a bill for $ 14.98 (interest)??? Why? I paid my last bill --- all of it, ON TIME. No interest charges listed on that bill. I called to get this waived. I was told, "sorry". I asked to speak to a supervisor, again, "sorry". Willing to give up a loyal customer over $ 15? When I posed that question to the Capital one supervisor, her answer was "sorry you feel that way". Seriously? Then I posed it to the CEO: Are you willing to lose a loyal customer over $ 15? right...you only make billions per year.

I had this card for about 18 months. They raised the CL twice to $3500. My balance was about $2000 and I was making $200 - $300 monthly payments. Never missed one. Never late. Last month they asked for income verification. I complied: had been no changes. Last week they emailed me saying the account had been "opened in error" and was now closed. I was pretty steamed and gave customer "service" a piece of my mind. Today I looked at the account and they have cancelled the entire balance. It's 0 and shows a "balance adjustment" of.... $2200. Are these folks crazy? Close an account in perfect standing and then cancel the balance???? Obviously this is much better for me than a closed account with a $2200 balance left for me to pay off. But what was their reasoning? I haven't a clue.

I received a message my new card replacement was being charged for Microsoft account Xbox account. I called Capital One supervisor (Ann). Asked why my new card received billing when I never added to my Microsoft account? She stated Capital One does this automatically with companies they have an agreement with and the only assistance she could give was to 3 way call Microsoft and have my account closed!? I don't want my Microsoft account closed. I want Capital One to not give access to my accounts to companies without my approval! I think this is wrong. I don't need Capital One to manage my accounts!!!!

I would give zero stars if I could. I just decided to try out having a credit card with Capital One. When I made my first payment and scheduled auto pay apparently they didn't accept my payment because they said when I called you can't set up auto pay and make a payment on the same day... What on earth, how ridiculous. I am sorry I ever chose such an incompetent company. I spoke with a supervisor that could waive my "past due" fee.

I paid my statement in full before the generation of my statement on the 16th of February 2020. Capital One levied interest charges against my account that are not warranted. I’ve spoken to a customer service agent and a manager who nonchalantly ignored my concerns. She refused to provide simple answers when asked, but disrespectfully continued to say “mmhmm” (whatever that is or means) when asked direct questions. I asked her numerous times for a simply yes or no answer but she refused. She neglected to address any concerns nor advise me on where to review payment polices per the terms of this credit card. Her name is Greta ID ** (I doubt that’s accurate due to her inability to address anything that I stated). I’ve been a customer of Capital One for a number of years and this is totally unacceptable. I want the interest charge removed! Thank you.

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.

A few years ago I had some medical issues and I had gotten a little behind on a few credit cards. I was around three months late, once and my cards were placed in a restricted status. The website stated that if I made 6 payments on time that the restriction would be removed. I caught up the accounts and placed them on auto pay. I never missed a payment for much time longer than six months. It's been about three years and those accounts are still restricted. They continued to charge me a 5.00 a month account fee while I paid them off even though I had met the criteria they gave me to get back in good standing. This is dishonest and downright theft if you ask me. I will never do business with them again. I recommend Ollo, seems the honest people from Capital One broke away and started an honest credit card company. Beware of their deceptive practices and outright dishonesty!

They should offer a basic customer service to their employees. I called and spoke with Rafika from Montreal, my god as if she was doing a favour by answering me. She was reading on the phone as if it was a pain for her. Shame of you Capital One. First time I am experiencing a bad service. It's Even 40min she put me on hold to get a supervisor (that I requested to talk).

I have had my account for a year. Recently I received an email stating Capital One opened my account by mistake and will be closing it. I called and of course they have no answers while they are "reviewing" its status. They gave no way to appeal what is their mistake. Please don't make my mistake.

I learned today that a spouse with a joint checking account with Capital One can not obtain access to their bank statements unless designated the "Primary Holder". My spouse is designated "Primary" so I can not obtain my tax forms or bank statements from Capital One. Soon finding a new bank.

Yesterday I got a bill for $426 which I paid in December. It took one hour and 39 minutes speaking to somebody overseas in the disputes department to rectify the situation. Now it’s going to take three business days for them to reverse it and send me a corrected letter. I made a dispute for $120 a portion of my bill because of the incident with United airlines. They told me if they don’t hear back from United airlines within 60 days they will allow that $120 to be in my favor. Unfortunately they didn’t hear back from United airlines. They took it upon themselves to make that decision not to allow it for their reasons.

I lost my job so I got behind on credit card. Filed taxes, Turbo Tax gave me a refund advance on prepaid Green Dot card. So I decided to finally pay this card off with my new money and right my wrongs. But wowwwww, how that bit me in the **. I paid the balance down to 0 (450$ later) just for them to restrict the account because of “possible fraud”. They wanted me to send the bank statement with my account number on it. Can’t send a bank statement for this prepaid card because they only have transaction histories with the last 4 digits of the card displayed. Plus I only had the card for 3 days. And that's wasn’t enough for them. Rep told me I could send in a direct deposit form- turns out that was false. I even 3 wayed with them and green dot bank. Wasn’t enough. So I talked to a Sup to see if there were any other ways to prove I made the payment through my own account. No. Bank statements.

I call today to ask some help on how to create and log in on the online account, I call the customer service to seek some help so it was Brittney answer me who sound very lousy voice, I continue asking and first and only thing she ask is to confirm my number for verification, then I ask her anything she can suggest. I can't able to log in, she answer me in very upset voice telling me the instruction is very straightforward and doesn't take her long to anyone she assisted where we just talking for 2 mins. She doesn't sound helpful and not happy with her job. I hope her manager show her proper way training in this kind of job. I'm not even asking stupid question and this is the reason why you have this for any assistance client might need.

I have had all my credit cards in autopay every month on the due dates and never missed a single payment, this month they charged me a late fee and when I called them I was told it was a glitch in their system since the payment due date fall on the weekend. They said they would remove the charge but didn't, I had to call them again and they finally got the message. One thing that bothered me was, they said this would be a one time charge reversal, lol, WTF!! I told them, "You made the mistake not me, one time charge reversal is not at my expense and should not be mentioned."

I have been a customer even before Cap One took over. Now it is called Capital one 360. I have several savings accounts and everything has been working well. User friendly, pretty efficient. Until last week, when Capital one decided to do what laughably they are calling "an update". NOTHING WORKS. They removed the following.

This company can give unpleasant unexpected surprises. Nowhere on the chat, I went to, I received a message which mentioned I would be charged a fee of 10 for a bet on a lottery ticket that was worth less than $10. I was charged $ 10 for tickets sometimes worth less than $ 5.50. I was charged a total of USD$ 100: The chat mentions cash ATM Withdrawals, wire transfers, and international wire transfers. The Receipt I signed did not show I was to pay a fee. I will avoid using the card and report the issue to the Better Business Bureau. The ticket I signed should have shown the advanced fee.

Hard to locate a contact number in the first place on the bank account web page. Googled it and call dropped twice and no one called me back. Called a 3rd time and the rep, with a thick accent was as dumb as a doorknob and thick! Kept repeating the same thing and not listen to what I was saying. Asking me irrelevant questions. Repeating information that was obvious - like my husband is an authorized user on my account - DUH! Needless to say, NOTHING was resolved. Total WASTE OF TIME!

I have had a Capital One credit card for over 20 years or so. I made a payment on my capital one credit card. The vendor classified it as a cash advance payment without my authorization, so I was charged a cash advance fee and a 26% interest fee from capital one. All this was done without any approval from myself. I called capital one and they were rude and said they couldn't do anything about it. They pretty much told me that the fine print in the application lets them do about anything they want!

Capital One treated me unprofessionally the other month. They took four hours to try to figure out how to resolve a simple issue. Several of the staff had not been trained appropriately and gave me misinformation. They never resolved the issue. When I sent a letter of complaint, it was ignored. Prior to this experience, I was pleased with the company for 10 years. Now, I avoid using their services and have since signed up for Discover. I had even tried to speak with the manager at head office and she was completely arrogant. This was extremely disappointing. I am a customer who always pays my bills on time. I had even referred a friend. They told me I would receive credit for referring a friend and then they never gave me the credit. Therefore, I will never recommend anyone to this company.

WE purchased a mattress online, the mattress never came. We contacted Capital One and they refunded the money back to our account. After 1 month we cancelled our cards and paid the account in full. On Dec.12 we received a letter say the merchant requested more information and if we did not reply by Dec.7 they would re-bill. I talked to the merchant, they said they made no such response and sent me documents saying I did not receive the mattress. When I contacted capital one they said it was too late. The cutoff date was Dec. 7. I did not get the request until Dec.12. I have been calling for over a month. Still my account shows nothing done. Very frustrating.

Billed me for some new membership fee for 60 dollars, in which case they never told me about! They just billed me a week or 2 ago, I received my bill and requesting to cancel the card in which case I should be refunded the membership fee and I'll pay the balance. The supervisor said she cannot waive the membership fee, but they will put me into a new card with no fee, but they want me to still pay for this entire year on the card they are closing. OUTRAGED. Terrible customer service, I would never come back to this company in a million years, and I will never recommend them too anymore. Terrible service, website server always down. TERRIBLE PLACE TO DO BUSINESS, I was with them for 10 years!

Hadn’t used my card in a while but decided to use it to go grocery shopping at the store near my house since I still had a week till pay day. Prior to leaving for the store, I logged into the app to verify everything looked good since I hadn’t used it in a while. Everything looked good so I left, got the groceries and went to check out to have the card declined. Right then got the email saying they had suspended the card due to “suspicious activity” and to call them ASAP. So here I am in the check out line with a cart full of groceries and a frustrated toddler calling Capital One to verify my identity. Get put on hold and at the end of all of it told I need to upload documents to prove my identity.

14 Days still no returned payment! WORST customer service. Capital One credit card: I made an extra payment by accident through my checking account. This resulted in $930.00 in overage payment to Capital One, and a negative balance on my credit card. Unfortunately, since it went through my bank could not recall the payment. I called Capital One on January 11th to have the money sent back to my checking account. I was given a 4-5 business day period for the ACH to go through. I had to call back on the 18th and it was still not processed. They had to submit another request for another 5 business days.

I have had the worst experience dealing with Capital One Auto Finance account representatives. I am doing a Lemon Law buyback deal with Nissan USA, and in order to begin the process, Nissan provided me with some information that I need to get from Capital One Auto Finance about my account, such as a detailed payment history from them and a Completed Lienholder Information Request Form.

I have no words how I can explain my extreme frustration with Capital One and its Platinum Credit Card. I have this card for almost 2 years now. I have good credit, good credit history, and no derogatory issues with my credit. I have been trying to increase my credit limit from the LITTLE limit they gave me. Tried several times in a year but never been successful once. I have cards from Bank of America, Amex and Discover. Never had an issue. I am so surprised. Communication with Capital One is almost impossible. Always machine, no human contact. I wonder why they are in business in the first place. In this market with hundreds of options, I now learn I made a huge mistake having a card with capital One. Anyone who is trying to get their card has to think twice.

My bank sent a cashier's check to Capital One in November of 2019 of over 3,000.00 and the check had my name and the last 4 digits of my card number. Capital one cashed the check but to this date January 2020 still has not applied to my account. I have contacted them 3 times about this and to no avail have they corrected. They sent me a letter asking for a copy of the front and back of the check and I faxed this to them. When I called them today I was told they had attached the copy of the check to someone else’s file. This is leaving a very bad taste in my mouth that a company this size can not resolve this in a timely manner. I am definitely reconsidering my business with them.

I have been dealing with Capital one for the past 5 years, surprising to me how poor their customer service is. Even when asked to speak with a supervisor, the rudeness was just un-call for. Well I have to find another online bank with good interest rates once my CD's mature. I will definitely be closing my 360 money market accounts. I had to remind "James" more than once that he was speaking with a individual and needed to be professional. The supervisor told me that I could make a complaint to her if I wanted but that is as far as it will go because she was the supervisor.

I rented a car from Zigzag rental car in Miami fl. I was supposed to receive my full deposit of $600. I was only refunded $273. When I called Capital to report fraud on my card I was told that I didn't need to send any papers. So we we waited a month and called back. Capital said that Zigzag car rental said we damaged the car. However no damage report was provided. So Capital one sent me an email on December 4th asking for paperwork. I submitted it. I don't the report of the analysis of the returned rental car. Paperwork stated there was no damage.

I recently purchased a new gate opener to replace my old one. The salesman at the gate company assured me that the opener I was getting from them was compatible with the remotes and keypad from my other opener, when I received the new opener I tested them and they were not compatible. The gate company charged a 50% restocking fee which didn’t make sense seeing that I returned it in good condition and very promptly and the fact that they misled me to believe the two were compatible. I called Capital One to dispute the charge, they took the merchant's side and I was out $285. That’s not taking care of the consumer. Needless to say capital one is not in wallet anymore.

Lousy customer service, unable to help me access account while traveling in Switzerland, they want to send me a code to my US mobile phone, which does not work outside the US. Tech service is deplorable to say the least, keep asking same question over and over, and admit they cannot do anything to help me. I've been a customer for 15 years, had no problems so far, but that means I'm looking for another Master Card, and not with CapitalOne.

This is the absolute worst experience I have ever had with anyone. The company is supposed to been there to help with any issues yet all I have had is ISSUES. I’m going to global news and have every single recording. I am not the only customer in my family. Both my brothers, my mother and my father all have had it with this stupid company. WE WILL BE GOING TO GLOBAL NEWS!!!!!

I'm 57 yrs old and I have had plenty of bad experiences by Capital One has been the worse! 2019 has been a bad year. My wife has stage 4 brain cancer and the company I work for was bought out. Needlessly to say I fell way behind on my bills. I was in communication with Capital One letting them know I realized I have a debt and I'll pay it. Capital One called almost daily telling me that they are going to repo my car. On Sunday January 12th I told them I have an eviction to pay or I'd be put out I could make a payment Friday January 17. They asked if I was in possession of the car and of course I say yes. Within two hours the car was repossessed! I just felt if the person on the phone couldn't make the decision to give me 5 more days she should have found someone who could. This company is now going to be forever ???? a bad choice!

Just cancelled my 0% credit card with Capital One. When I tried to access my account online it required a phone number, which has been changed. It is a landline. Because capital one could not verify my old number, landline, or send me a text with a cell phone I don't own (no service), a FRAUD HAS BEEN PLACED ON MY ACCOUNT. The only thing I want-- the rewards for signing up with your company to begin with. I hate this company and will never use anything associated with capital one again. All this hassle just to change a phone number so I can access my account online. Capital one -- I have enough hassles and never again from your company.

Capital One has a terrible referral system. You have to wait for weeks for your referral link. I was really excited about the Capital One Venture card and referred the card to one of my friends. Unfortunately, I had a difficult time accessing the referral link, the link to access my referral link was dead, but I told them to sign up anyways. A few months after they signed up I opened up my account to find that the referral link now works. Unfortunately, my friend already signed up and I missed out on $100. I call customer service and their only solution was to ask another friend to sign up. I wish they told me that I could wait for my referral link to work or inform me when they were going to get me a referral link.

I had a simple question which was "Do I have to re-enter my bank account every time I buy a 360 CD?" The simple and direct answer is "yes." It seems that info must be entered each time. Fine. The rep walked me through the steps (and not in a personable way) to get to the place I already was before I called (which I had already explained). When I got to that place, I said, "I already did all of this before and it's the same result, it's still asking me for my bank info which is already linked," and he said, "oh, it won't (pre-populate, reenter, whatever his exact words were) all the information, 'you will still have to enter some.'"

I've been trying to clean up my credit for 2 years and Capital One still reports late payments to Transunion and Experian since 2015. I have paid off my accounts in full, I have no balance at all for 3 years and they still report late payments every month. Last year 2019 Transunion suggested to send a dispute directly to Capital One Dispute dept. I did that and they didn't do anything about it. I have to hire an attorney to look into the situation. At the present time I have sent another dispute but I don't think they care... If I could give lass than one star I would do that. They really damaged my credit.

First let me say I've been a fan and customer of Capital One for many years and have several accounts with them. Second I'm a global cybersecurity advisor and work with the G100 companies to establish the most secure processes possible. I'm currently in a middle east country which doesn't have secure infrastructure such as internet or cellular systems. Today I went to use my phone app to check on my account and instead of using biometrics to access my account, they said I needed to use my password.

I have had at least 2 of my 3 credit cards with Capital One restricted in the last 6 months 3 different times. Their link to scan Drivers license is useless and they are not willing to help. Rude etc.

I’ve been having really bad experiences with Capital One customer service representative and their IT tech guys, Last two years they block my online account so I can’t see what’s my charges and I request for paper statements and still nothing but I continue to be faithful customer and just paying them every month they say, "You owed us this much." I spoke with 7 different IT tech guys and they can’t unblock my online Account, they would keep me on the phone for couple of hours sometimes. And when I spoke with the manager she gave me some code to access my last five statements And it didn’t even work. Still can’t access to my account but they keep on asking me to pay cause I’m late but I don’t know what they’re charging me.. I told them to stop reporting me that I’m late cause I need to see my statements, so they freeze my account.

Great customer service but your level of security is too high: when logging in from overseas, your system tries to verify me via text instead of email. I do not have access to my American number and the system does not allow me to enter my foreign number... so I can’t log in! To access my account, I have to call Capital One but my phone provider in Spain does not allow Collect calls... And it ends up costing me $30 to call you!!! Just do what other credit card companies do and send a verification call via email instead of text. I will try publishing this review online in order to help you provide us with a better service. In the meantime, can you please forward this to the appropriate department please? It is really a problem! Thank you so much!

I got the Cap One Quicksilver card with the understanding that after I used 500 dollars I would get 150 bonus rewards. Never got them. When I called cap one I was told I did not qualify for the 150 dollar bonus. I was also not told why. All I can say is stay away from cap one cards. Just get a Discover card. They treat you good.

Please share my story.. I want it to spread so everyone can see what type of company Capital One is. My soon be be Ex husband kicked me out of our house the night of my father’s birthday dinner.. I had a stack of credit cards so I took them with me.. He reached out to me telling me that I had his Capital One card and it was for his account, so I gave the card back to him.. I filed for divorce and had him served.. Lo and behold that card was under my account and he changed 3500 for his lawyer fees to my account.. I did not know he had open a card under my account with his name on it.. I called Capital One and disputed the charges.. They took it off but he was able to call them and told them he was an authorize user.. So they put the change back on to my account..

I paid off the full balance of my credit card with Capital One before the due date, on the understanding that paying the balance means no interest charge. Not the case - they charged $90 in interest and then said you only avoid interest by paying off the full balance two months in a row. What a scam - beware that they're shady with this.

I've been with Cap One since around 2006. Alas, we had to move to the UK 2008 in the hopes of returning; although I absolutely want to come home, this has not been possible as yet. Cap One has now decreed that because they cannot call me outside the US - too many digits? - that I am an space alien...although I continue to make repayments once a month (very good of me, no?). They have put a restriction on my account that not only impacts my credit status but means I cannot use nor renew my card.

We are long-time customers of CO. In the summer of 2019, we sold our home of 13+ years to move our family into a larger home and serve my parents. My father has Parkinson's Disease with Advanced Dementia and my mother has severe arthritis. We encouraged them to shift funds to CO in preparation for our move, so they placed over $240,000 in one of these accounts for the specific purpose of purchasing their half of the home we had placed under contract. At no time were they given any inclination that there would be an issue when it came time to wire these funds which we entrusting CO to manage for them.

Was scammed by "Ultra Fast Keto Boost" and my card was charged. When I contacted Capital One, they investigated and then took scammers side. Even "Shark Tanks" Lori Greiner had a show with Dr. Oz saying the company is a scammer.

So frustrated with them right now. I paid off my balance 5 days ago so that I could use my account for a large purchase. They are holding my credit limit and not allowing me to use it saying they cannot verify the payment has cleared. This is ridiculous. In this day and age electronic payments never take 5 days to clear. They say they cannot contact the bank to verify funds - this is an outright lie. I have worked in banking and finance for over 30 years. All banks have a line that merchants can call to verify funds on a transaction. Capital One just doesn't want to do it even when asked by a Long- Time customer! They have failed in customer service!

You're able to have up to 10 authorized users on your account so I added my children however I asked Capital One not to send any additional cards out and to lock the one I have. I then received a call from the fraud department of capital one and said they need to see social security cards and licenses of my authorized users although they don't have a card. I have never heard of this process. Is this valid for them to asked of me. Going on 5 years with capital one.

I want to thank Capital One and all employees for giving a good guy a chance to rebuild. Thank you!!! And may all y'all have the best New Year!!! I will be sure to give credit where credit is due!! Awesome!!

Paid off billed balance online. I realized that account would have accumulated additional interest. So I called to get the payoff for the interest. They could not calculate the interest nor could they accept an estimated payment amt from me as they repeatedly told me that I must wait until the billing cycle ends in order to pay off the interest. So I said, "No I want a payoff as of this date, so that I get no additional interest."

I was told by Capital One customer service that they would be able to lower my APR if I call back after my past due payment was caught up. I called back and they said they would not be able to offer me a lower interest rate, but that they would "leave a note" on my account and to call back in 6 months when they may offer this deal again. I call back and am given the same "no" and run around. They tell me they can waive my late fee if I have a problem with making payments on time, but continued to evade when I brought how I was told several times that they could lower my APR and even got a notification that this option became available for my account. This company wants to keep customers in debt instead of have loyal customers.

My Husband is traveling in Bulgaria. I went to log in on our laptop to make a payment at my Grandma’s home. CapitalOne’s server must have noticed that the I.P. Address was different from our homes and asked for verification via one of three options. Each of the options, however, required a smart phone’s texting feature. Unfortunately, he was not able to perform any of the options due to very limited service. There is a tollfree number for this situation posted on the bottom of the webpage’s verification page.

This is to lodge my complaint against Capital One in regards of allowing repeated identity thieves’ attempt to open credit cards and my repeated calls made into Capital One to the Fraud Dept. Over a course of 2 months, I have had 6 hard inquiries of individuals trying to open a credit card application; each time the application was denied due to suspected fraud. While I’m relieved an account never opened, I'm beyond belief there were no attempts to review internal records to if a submission was previously denied and reason why. Had it this been flagged, more vigilant questions could have been posed, perhaps it would have stopped BEFORE you submitted a hard inquiry for that application.

I’ve been a Capital One patron for about 10 years, and was very happy with their service until recently. Capital One’s changed the due date on their customer's Credit Cards to the first week of the month when most pay their mortgages/rent. This caused my bank account to overdraw, then when I called to complain they said it takes 2 or so pay cycles before it would adjust, in the meantime I would still be responsible for paying on the conflicting date, and they would not waive the fees they caused, they said I received emails in advance telling me this was going to take place...some people don’t check their emails every day, I never seen it, and I never received a letter. Their policies on fees are so strict, they are willing to sacrifice veteran customers. I’m very disappointed in Capital One. C. **

My husband was gravely ill and in ICU. I did not know if and when he would recover. Twice I called Capital One to see if they could give me a temporary reduction on my interest rate until my husband was well. The first time I called the agent informed me that I still had $500 credit on the account that I could spend and she could not help me. When I called back to speak to a supervisor, they put me on hold for an hour and then hung up on me. I have since applied for a credit card with another company and will be transferring my balance. Other companies waived service charges etc to help me out during my husband's illness but Capital One would not even talk to me. I recommend taking your business to MBNA.

This company is terrible. I was buying a Christmas present across the street from my house and the card was declined for security, for a $70 charge. I had to use a different card. ACROSS THE STREET FROM THE ADDRESS I HAVE ON FILE AT A MAJOR RETAILER. Then the agent hung up on me for being upset about the incident. I cancelled the account immediately and will never use this company again. The agent tried to manage my "feelings" rather than solving the problem, typical lousy customer service.

I wouldn't even rate Capital One a "1 star", I would rate them in the negatives a hundred times over!!!! I called the customer service line 4 times and was left on hold and then disconnected when I was to speak with a customer service representative. I have been on hold for over an hour and still haven't had my issue resolved. When I tried to connect online through Chat the representative could barely write in English. I am not impressed with Capital One right now and am considering cancelling my card. This is very frustrating and a waste of time. I pay my bills on time and am a valued customer. Don't get a Capital One card, opt for a different company, as this one does not stand behind their product.

I spoke to ** agent ID. This boy never understood the reason why I called. He kept on cursing and arguing with me. This was the issue "Maybe people reading can understand and help me." I have always been charged overlimit fees. Before I called to dispute this overlimit charges, I was told to pay 78:40. So I called. Spoke to an Account Manager, she understood why I called. Then she gave me a credit of 120 dollars. But she also instructed me to pay the minimum amount owing - which I did pay on that same day.

I been faithful to this lousy service for a decade. I get sick and tired of their lack of professionalism. I decided to cancel. I PAID FULL AMOUNT INCLUDING LATEST INTERESTS IN FULL. The only Outstanding bill is $59 (Member Fee) for 2020 Which I guess we still 2019 in Canada..LOL..so I told them I destroyed the card and Don't want to hear anything of them. Well, guess what, they are more way more than Greedy. In most cases they charged 25.90%. They are charging me Interests On the Membership fee. What's in Your Wallet Sr. Are you Insane..?? NEVER AGAIN. And to make it the joke of the year they sent me an application for a Gold Card with 19.99 Interests and No Annual Fee. LMAO

I will not recommend Capital One to anyone. Recently I applied for CC. Got accepted. Card was sent. I activated it. But it was restricted so I called capital one. After 90 minutes of wait time I was told to send them proof of ID, which I was happy to do as it helps protecting identity theft. I was happy that Cap One is taking these steps to protect me. This is as far as my happiness goes.

I looked online for a zero interest credit card and found Capital One. I know at times account agreement information is in very small print, so I called and spoke with Marvin who assured me that Venture One was the card for me. On my very first statement was a $35.00 charge and I thought, must be a one time transfer fee, then in the second statement, $107.00, oh my gosh, I live on a fixed income! I called and spoke with Andrea whose answer was, "Unfortunately you received bad information and I'm sorry, we are unable to assist with ANY of those fees." I ask to speak with her supervisor, Jazelle, who basically gave me the same information, I'm sorry, I hear you and unfortunately, which aren't answers, just a way to get around an uncomfortable conversation. Very disappointed with the way this company does business and treats the customer once they have them "on board". I for one refuse to do business this way.

I’ve been repeatedly charged for services I attempted to cancel with a merchant. When I found the number for merchant sent me back to the web and visa versa. I called Capital One! It’s done no good! They have told me at least twice they put a block onto my acct against the merchant! They even did a 3 way call with me and the merchant. During the call the merchant even REFUNDED my money! However even AFTER that Capital One added the amount Back onto my acct!

I couldn't access my account and tried to reset my password/phone number so I could. After 3 calls and over 45 minutes of wait time I finally was able to change something so simple as my phone number.

The situation has been resolved; what concerns me is that it never should have happened. A company was making unauthorized charges on my credit card and I was told that these charges could be blocked. They were not and I've been going around in circles for the last two months trying to straighten this out.

Of all my credit providers Capital is the least used and most subject to Fraud. They prolong investigation processes until the "small print" time frame expire to cover fraudulent charges, even if immediately identified, and if you're paying additional fees for protection. They use multiple delay tactics to have client ending up paying fraudulent charges. Be very careful, and if you have other options, use those. Capital One is off my list of providers. Absolutely shameful service. I don't wish their services on others in any circumstances, look elsewhere.

This company is dishonest and will take advantage of you as a customer. I overpaid my account accidentally and was issued a refund check. I forgot to deposit it within the 180 day window. I subsequently called Capital One to have the check reissued. It has now been 5 months and I have not received the check. Capital One claims the matter is "under review". For 5 months? Makes me think they're waiting for me to forget so they can keep the money. Don't get taken advantage of and steer clear of Capital One.

Capital One refuses to work with their existing customers. I have been a long-time customer with Capital One and had one of their credit cards for years. I spend a large amount on the card every month and do not keep a balance on the card. I called Capital One a few months ago to ask about an interest rate reduction. The representative on the phone stated there was nothing they could do. I spoke to a supervisor and was given the same answer. When I told them I was taking my business elsewhere, the supervisor just said "okay".

Horrible customer service. Been with them for 2 years. I pay my bills on time and have a great credit score. Being treated like a criminal with their fraud division. I can't use the card, had to send in a driver's license. I still can't use my card. I will be moving to a better company. Stay away!

Last year, I made a purchase from a merchant oversea in the amount of a little bit more than $1,000. The amount was not approved and locked. I had to call the rep up and unlocked it. This year, learning from the previous experience, I called in advanced to make sure the transaction would be approved. Rebecca was the person who I talked to. Told me I do not need to call to get approval since it has a chip (really?) but she can not guarantee the transaction would go through??? I have been authenticated before talking to her, went through another screening, have enough funds in my card, called in advanced to get approval and still would not guarantee my purchase would go through? Then what would? Basically, they just do not care.

I had called Capital One Credit Card Customer Service. The called to directed in Philippines. The representative was rude. She could not speak even ONE sentence properly. When asked to speak a Supervisor, I was promised to receive my replacement card in 2-3 days. More than 10 days have passed, no card has arrived. I have called the Customer Service people on 4 different occasions, but my request have been ignored.

On November 4, I called Capital One to ask what my payoff balance was. They gave me the $ amount. On November 11, I paid the balance in full and where there were no pending charges. On November 16, I checked my account to make sure payments were applied. Lo and behold there is a balance of 51.21. At that time I called and asked them to close the card and immediately paid the $51.21. I looked at my account on December 8, and discovered $9.94 in interest which is due January 1st. How can they add interest if the balance has been paid in full. I paid the interest, but I am so disappointed that they did this.

I've been a Capital One Visa holder since 1999 and it's only been in the last several years, after moving abroad, that I've had the most trouble with them. This last was the tipping point which has me looking for a new card. Due to work, I live abroad and come home to the US every year or so. I also travel quite a bit. However, in the last 2 years not only have they made it so that those living overseas can longer access their website, any attempt to use the card outside of the US immediately locks the card so it cannot be used.

Quicksilver card with 0 interest for several months. I maxed out the card, paid the minimum every month, and in the month the promotional period ended paid off the card on the due date, yet was charged. I called and they refused to reverse the charge, even tho nothing in my statements indicated I would be charged interest if I didn't pay before the due date. I will never again use Capital One, but if you use them and have a promotional interest rate, realize they will never inform you of when you have to pay off the balance. Keep your own records.

I received my Capital One Signature Visa credit card on 11/4 and went on-line to activate. 31 days later it is still not activated despite 10 documents submitted, including a list of their emails to me congratulating me on my new card and such and many calls to my landline and cell phone by Cap One. I am done with them. What is even more comical is that in the 31 days I've been waiting to have this card activated they actually mailed me another offer to obtain their Miles Card!!! Never will happen.

Capital One has attempted to enter the business arena with their Spark Business products. My experience has been a caution to other business owners. This is not your typical business account and not at all business friendly. While the interest rate is nice, you pay for it elsewhere. They don't have the capabilities to offer any standard business account tools and good luck getting a wire done - it's not happening. I've tried to sent 3 at various times and each and every one has been messed up. Basically the account is great so long as you never need them to do anything. Words of warning - stay away!

Capital One needs to review their customer service response. I noticed discrimination in their response to their inquiries. I have been trying to call them for over a week and never was I able to talk to one of the supervisor regarding my credit limit. In term of financial institution, they have the worst customer service and also I felt discrimination. This matter needs to be taken seriously. I do not recommend Capital One to anyone as their membership fees are high, credit limit super low, and an unresponsive customer service. The worst in financial institutions.

In my opinion, for an institution that was hacked once already, they are seriously deficient when it comes to protecting their customers against financial fraud. When it comes to checking accounts, all they pretty much offer is merchant per merchant block, reimbursement (which, based on many reports online, they have been known to reverse after weeks), closing the hacked account and opening a new account (sure, so we open a new one when my "new" account is hacked again and on and on and on?) which misses the whole point: lack of proper and efficient fraud protection for their customers.

I was advised by Capital One that my info was compromised by the massive data breach in the in States when hackers stole account information. I didn't get a replacement card. However I was given 2 years free credit monitoring from Trans Union. Since the breach had already accrued and I am in Canada, I noticed that I was advised by my credit card and my loyalty cards to change my passwords because my info was compromised. Unfortunately my medical history for chronic medication prescription was also compromised by 3 suppliers which has never occurred. I had to send hours searching for users name and resetting my password. But what really got me upset was my medical history and my prescription drugs being compromised.

After depositing the same payroll check on the same day of the week, by the same employer for years, I could not get Capital One to release the hold on check nor get them to give me activity statement saying that the check is PENDING. Their lack of understanding and lack of help delayed the closing date on a home purchase. Very Very sad. Will be closing my checking account and credit card account with them after all said and done.

I have been a Capital One customer for close to 20 years; for both my business and personal cards. Up until now I would have given them 4 or 5 stars for customer service; however, I believe the application process deserves -3 stars! I accidentally applied for the wrong card, and I called and immediately told Customer Service that it was not the one I wanted and they cancelled the card. This was done within minutes of the on-line approval. I was told to just re-apply for the one that I wanted the next day. I did, and was declined; I called and the agent said I needed to wait a week. I re-applied and was declined. I called and the agent said to wait a month. I re-applied and was declined. I have an excellent credit rating, and could not figure out why I was being declined. Then I was told that Capital One does not allow anyone to apply for another card for 6 months after an application.

I loved my Capital One credit card for over 12 years. Today, I requested a replacement credit card. Due to their excessive requests to prove my identify in numerous ways, I asked them to cancel my request for a replacement credit card. I was informed they cannot cancel such a request. Now, my credit card is frozen for TWO WEEKS because my government ID is too new; they cannot verify it. The manager refused to let me speak with his superior. The manager refused to give me the CEO's email address. The manager just repeated that he could not help me and my credit card will remain frozen for two weeks.

Capital One was easy to deal with in getting approved through their prequalify page. And I tried to prequalify for a Kohls' card thru them as well. But was shot down for that but approved for there platinum card and Walmart card. And I only had a 580 fico score and a 645 vantage score. So don't give up easy and use the prequalifying page before getting a hard inquiry, cause with this option it does a soft pull. And after 5 on time payments they increase your limit from 300 to 500 dollars.

I am writing to refer an incredibly bad experience of customer service support I just had with one of the representatives at the Capital One’s call center. I have posted a transaction via my credit card last night on an unsecured website for the amount of $75. I only noticed that this website was not secured after I had inserted my card details and processed the transaction. This happened at 11/29/19, 01.30am. I tried to call the merchant to cancel my transaction, however the number on their website is not working. My concern is that a) I inserted my card details on a website that is not secured and there might be a possibility of fraud and b) i needed to protect my account and cancel the transaction before it gets posted to the merchant to avoid further implications.

Capital One takes advantage of people in need. They give more credit than you can afford to pay off and then attack you when you get behind on payments. I’ve had a card with them for 10 years. And have always kept up with it. I’ve become seriously ill and have been unable to keep up with payments. There is no program set up to assist for illness or accident. Even though I have contacted them many times explaining what has happened, they continue to harass me day after day with texts and phone calls. They are causing me undue stress in a time that I am struggling for my life. STAY AWAY. You will regret getting a credit card from capital one.

Have had the card for the past year and have had nothing but issues since about the second month. Problems came about when I paid the same bill twice and had requested to have the amount credited back to my Capital One account. All was well for about 2 weeks, I faxed them the required bank statements and worked with them. They credited me back the amount and then about 3 weeks later, without warning, took the amount back causing my card to go way over balance.

This bank is the worse when trying to talk to anyone on their service department and ones you do get a hold of someone they will click the call and you will have to waste more time to get a hold of someone just not to be help, and do not ask to speak to a supervisor. They will immediately click or they're not available.. I used other banks for car loans and never had to deal with so much stupidity to make a payment or to fix a late payment in my life.. First and last time I'm using this bank. Stay away....

I had a problem where my account was restricted. I called up their customer service line and the girl mispronounced the street names which led me to get the questions wrong. Now I was sent to the fraud department where they ask me for a copy of my state id, my ss card and a bank statement. I do not have a state id or a driver's license as I have a passport. I included a photo of the passport and the ss card. I tried to include my bank statement but they refused to accept it. They were complaining because of the bank account number is blacked out.

I had an issue with Capital in December 2015, where I promptly paid off my outstanding balance and asked them cancel my card and close my account. My card was then charged in November 2016 - almost a year later. I called and was told my account was closed. My card was then charged in November 2017...and November 2018...and November 2019. Even though my credit card was closed in 2016. Each year it’s charged by a different vendor, gets declined the first two times the vendor tries to charge my card and gets put through the third time the vendor charges the card. Capital One has been unable to explain how they can decline payments twice and let them go through the third time and also are unable to tell me how a card that was closed years ago still continues to be active. I have the same conversation with them every year and am on the hook every year for a payment I didn’t authorize with a credit card I do not own.

Riddle me this Capital One - If I take advantage of PROMOTIONAL OFFERS - Where the CONSUMER has the understanding that they need to pay it off by a certain time frame - Why do you then get to determine how MY PAYMENTS are being applied?? Why why why do you have the right to apply MY MONTHLY PAYOFF FOR PURCHASES? Why the hell DO YOU GUYS SPREAD THAT PURCHASE PAYMENT to the balance transfers??!!

On October 28, I found out that Capital One switched my Essential checking account out for a Simple Checking Account without my permission. Their excuse was that it was upgraded to a online 360 account. My direct deposit prior to this migration to an unwanted would be deposited on Saturday. I was informed by my employer, a Capital One Rep, and an FAQ on the Cap One Bank website that nothing should change but that was untrue. Three deposits later I am still getting my deposit according to my employer on Saturday but Capital One has changed their tune. I spoke to a Capital One bank manager name Ms. **, who thought it was a great idea to be patronizing, to explain that not only will they not resolve this issue but my deposits will come in between Monday and Friday.

Capital One sucks!!! The hateful unprofessional woman who answered my call when I called to find out why my above the minimum payment was not reflected on my card tried to tell me that it was normal for them to hold a payment for 7 days after they released the funds from my bank. When I told her that it wasn't normal and no other bank or credit card did this, she then proceeded to say that it was a Federal law to hold access for 7 days. I told her that she was a liar and that I should know because I worked for Bank of America for several years and that neither Chase or Wells Fargo does that and they're both major banks. She then said that she was just following the rules. I told her that I was going to pay them off and send them back the card in pieces!!! If you apply for this card prepare to be treated like Dirt, which is what this company and card is worth!!!

I had card for a year. Need to change phone number to my account. After 5 calls to customer service was finally told they couldn’t do it. Spoke to supervisor. She was very rude so I was locked out of my phone account And my computer account so I closed my account. This customer service department sucks. Worst card I have ever had. Don’t call customer service. They can’t help you. Full of excuses.

On 11/8 my bank sent a certified cashier's check to them to pay my entire balance as part of a loan. They received 11/18. On 11/23, I tried to make a purchase for well within my credit limit. It was declined. Called. They wouldn't release the credit for 8 days (until 11/26) unless they verify check cleared. I was an hour away from home so I didn't have check number to provide the bank. So lady basically tells me too bad so sad. "You will get your credit on the 26th" since she couldn't see the check number in their system supposedly. Ridiculous. A certified cashier's check is like handing them cash. To get declined when I know I have a zero balance is unacceptable. Seriously considering canceling the card.

I applied for a Capital One business card no problem, received the email to tell me it was on the way, no problem. The credit card arrived and I put it away for safe keeping and lo and behold, I received a call from the fraud department asking me to upload some documents online, no problem. I never received the email link the lady said she would send and I called them back 7 days later to get it. I finally upload the documents they requested and I received another phone call to tell me on a Sunday when nothing is open they will call me back on Monday to verify the utility bill. No phone call was received so I called them back twice over the additional 7 days and now they want more documents.

Got an email offer: open a Cap One 360 Performance Savings account, get a nice bonus. Tried to do this on-line. Form wouldn't let me use a middle initial, which I always use. There was no provision to make this a joint account with my wife. Phone number offered little or no help, as all they wanted me to do was to use the on-line application process again. Was told that if I went into a Cap One Cafe to open the account in person, I'd just be helped to use the same on-line application process. But, the form was quick to ask me to fund the account. Why would Cap One bombard me with mailings and emails, and then make it so difficult, if not impossible, to do what I wanted? I have their credit card, and am very happy with that service, but this banking thing is a total disaster.

On Oct 5 I contacted Capital One to have them deny a payment for a purchase I had just made over internet. The supplier advertised buy 3 get 2 free at a discounted rate. After purchase made I was charged full price, no discount price from Website nor free bottles advertised on their website. Although supplier has return policy they refused to give me an RMA on two occasions. I called Capital One & asked they deny charges because supplier were charging me more than advertised. To me that is a fraudulent charge. I don't speak Capital One-eese so I didn't know that I should never mentioned the word fraud (even though that is the crime that went down.) I didn't know which department to send the claim. Since the pricing charged versus what they advertised were different it seemed fraud was their game.

I looked into doing a balance transfer because of the interest. I researched on a few websites that compared different credit cards, looking into 0% balance transfer offers. I went with Capital One & that was a horrible decision!! It says on their own website & 3rd party websites that they have 0% APR on purchases & balance transfers for 15 months. I signed up, got approved, & transferred my balance from my old CC to the Quicksilver card.

For years Capital One has been harassing me with email and mailers to join their bank services. So, when I finally cave in and submit an application for a credit card with my excellent credit I might add, they apparently couldn't process it because one of my identification copies was "identifiable" which could have happened copy machines can be faulty at times, however that's not the reason my application was dismissed apparently Capital One forgot to notify me, just like that, that was their excuse literal excuse "Oops we forgot to let you know" no email, no letter or anything and my application was cancelled. So, now they're harassing me again to re-apply. Well pardon my French but SCREW YOU! Worst bank ever!

I am using Capital One Walmart credit card. I set up my automatic payment for card balance. And also check out statement that it shows only due date Dec 2th for payment. Capital one never demand for payment before due date. I got a notification for I didn't pay balance on Nov 17th. My credit score dropped down 6 points. I have checked out everything that I may overlooked for payment. But no. Capital one only says that Dec 2th is payment date.

The take advantage of people in need of credit with insane interest rates. I paid my balance off expecting to have a zero balance, and I did. I checked back a few days later and it said I owed like three dollars. No big deal. I figured extra interest as my payment in full took a few days to post. So I paid the three dollars. This all paid before the due date. So I was at zero balance.

I actually opened a Capitol One quick silver credit card in 2015 which has an annual fee of $39 and APR of 24.7%. I then went on to obtain another Capital one card and financed a Infiniti SUV and a Acura sedan within the past 2 years in which I've made all payments early. I contacted them to see if they would remove the annual fee or cut the interest rate and was to no! That they do periodic analysis and had no offer for me. I explained that I can open another quick silver card with $0 annual fee and was informed that it possible I would be approved but they can't help me at this point. I informed the representative that within 6 months I'm trading in the Infiniti SUV for the bigger one and will not use Capital One which is sad because they've been good to me in the past but I will move on.

For over a month they've been told that when you click to edit the payee account #, the link comes up with a blank Recaptcha box. The feature is completely unavailable and it's obviously a glitch in their web page, but they insist all we need to do is clear the cache, use a different browser, or log in Incognito. None of this works.

I have had questions regarding my account and when you talk to a representative they never answer questions. They always seem to have to talk to a manager and can not think for themselves. I will never use Capital One ever again. Closed my account forever and they still send me offers even though I told them to never contact me again...

I cancelled my card after, 12 years, Sept 30 because of their poor customer service. Since then I have had 2 questions regarding their breach of security and the fact that when I call I am told that they have multiple accounts associated with me. Capital One refuses to engage me after 6 weeks of being lied to, promises of calls returned not kept, being left on hold for literally hours and writing a letter and getting no reply. ANY POSITIVE REVIEW IS A LIE AND WRITTEN BY A FRIEND OR EMPLOYEE.

I applied for a card back in March of this year... The amount of times I’ve had to call because I never received my card is a gong show! It is now November and I’ve had to call over 5 times and each time you cancel the card and send a new one out, or tell me to wait a bit longer for my mail to arrive, your timeline is 7-10 buisness days... This is the worst service and experience that I’ve ever had with a credit card company. I’ve been needing this card and the fact you can’t provide me with one after I’ve gone through all the steps and post office trips to verify myself and still can’t be mailed to my address is **. I’m very disappointed with Capital One and their service and I will not be recommending them to anyone I know, Because of this. when it shouldn’t ** take 8 months to get a card... I’ll be calling them AGAIN today because I’m fed up and ready to go elsewhere and ** your services!

Capital one bought my account from Walmart without prior approval. I do not wish to do business with Capital One. When I refused to activate the card because they told me I didn't qualify for the %5 bonus program, my Credit card score dropped 42%. The most rude person I have ever talked to at a business. Not my first bad experience with Capital one. Thankfully, I have been keeping records and I believe I have a case with the FTC. However, my advice to anyone thinking about opening an account with Capital One, think twice. They are very unfair in their actions about your accounts.

NO NO NO! There is a huge scam going on...either Capital One is paying off writers to give good reviews or I don't know. This is NOT a real bank, they do NOT comply with standard banking practices. Let me explain: Paycheck/Salary direct deposits take 1-2 days to clear with any other bank. Capital One will credit your electronically deposited salary (direct deposit) after 5-7 business days - how is that even legal? Manually deposited checks or mobile check deposits can take easily 7-10 days to clear. Their app and web interface is terrible, confusing, it uses non-standard language making it often impossible to figure out what is actually going on and what your real balance is.

I have a Capital One Credit card for 3 years and I do have another credit card from different bank. I do have the highest Interest Rate on my capital one credit card which is %26 and I basically paying interest on this card and I probably cannot pay off my 4000 dollar credit card soon because I pay $150 interest on it every month for 3 years so I call the customer service and I talked to Marine ** ID: ** and talked to her to see if they can lower my interest like my other credit card which is %16 and she didn't even listen to me and said no. That's it, that's the way Capital One customer service is. I'm not happy with them at all. People using the credit card because they sometimes need money and I have a great credit score and it's not fair to pay %26 APR for me.

On my previous review I was reviewing Synchrony Bank. They offer 36 months interest free, but start charging interest at 24 months. No notice, and added late fee. Capital One let me transfer to them. Capital One has the best cards and service!

No other bank is as secure as Capital One. Hands down. Unfortunately it is so secure that even I can't access my money. I spent 8 hours verifying I am me, then gaining access to my accounts but finally gave up when I was unable to add my fiance to my account. Their online system has more bugs than the Smithsonian entomology exhibit.