Capital One Reviews

I complain about a bill of a service I did not received. They returned me the money and then rebilled me again after few months even after providing them the letter and proof they requested. Very unsatisfied.

Capital One Credit Cards are the worst. This company has the worst customer service. They want to fight and argue with customers. I have made my payments on time. When I paid my account in full they put a 7 day hold. They called my bank and the funds were verified and Capital One still held the account. I had to call the bank and Capital One 5 different times in 2 days to get the issue resolved. Beware of this company. I would have gave them 0 for the stars but it would not let me. Do not waste your time with this company. They are the worst.

This is the worst most unprofessional experience I've ever had with a company. I applied for a card (with excellent credit). I received a letter saying they needed more information and that I could fax it to them, which I did. Four weeks passed and I called and got a recording that said I would hear something in 10 days. Today I got a letter saying it was denied because they didn't have all the information.

My son is stuck in the middle of India right now with his Capital One debit card locked because of one fraudulent charge. He can text, but cannot make phone calls while traveling. I have a join account with him and access to his account, but there is no way for him to authorize me to call on his behalf to temporarily unlock his card so he can withdraw funds to buy himself a bus ticket. He tried to chat with bank agent and borrowed somebody else’s phone to call collect the bank, but guess what, that’s for credit card holders only. I am very frustrated and worried for my son, who is 21 and does not deserve this. Capital One does not have the customers’ back at all as they boldly claim!

Just experienced a situation that cost me $60 down the drain. Scamming streaming service offers a free trial and says they will alert when the trial is up. They never alert you, it's well documented by many other people with this experience (Fubo.tv is the service). And then they also refuse to refund even if you cancel day 1 of the service, nobody does this anymore. Extremely sketchy business practices. And capital one takes their side and refuses to dispute it even though they broke their own terms by not alerting the user when the trial is up. I'll be switching to American Express as soon as possible.

Applied for Walmart card MasterCard. Sent them paper work that they asked for then they called and said could not read it. It was too dark. Very rude. I said ok, "I will send it again." She said oh sorry she already cancelled the application and was reported to credit agency.

Capital One recently took over the Walmart credit card and in doing so the process shut down my online account. No notification was sent on how to access the account or who to contact for payments until after the due date. Upon calling customer service, I was placed on hold and had to repeat myself numerous times. After being sent to a “specialist,” I was read some statement that was supposedly sent out and justified them charging me a late fee. Capital One failed with their lack of communication, ridiculous fee, and incompetent customer service.

This rating is 0 stars. I will admit that I am not the best customer. I forget to pay my bills on time. But I wanted to grow up and stop paying all these extra fees and interest so I decided on auto bill pay. Made a payment over the phone in May and requested Auto bill pay to start for the month of June. June goes by, beautiful weather, until I look at my bank account and realize that auto pay hasn’t gone thru on the date it should have been taken out.

Opened a credit card with Walmart August 2019, initially serviced by Synchrony and all payments made on time. Oct 2019 Walmart partnered with Capital One and moved over all of their accounts To be serviced by them. Capital One without notice closed my Walmart credit card account a few days ago, increasing my available credit ratio and lowering my credit score. They just made this switch with all of their accounts so I'm sure within the next few weeks thousands of people will be experiencing the same scenario. Capital One can do whatever they want when they want and do not care about their customers. Stay away from Capital One, when you need it most they will not help you.

I was charged an interest charge on when my card had a zero balance. I had a balance the month before and they told me the interest was on my prior balance from the past billing cycle. Very shady practices. After almost a decade I closed my account. There are far better options anyway. DO NOT get one of their cards -- and if you already have one, close it!

I have been a customer for over a year and as usual I deposit my Capital One payroll check every two week. I make my deposit on Friday and is always available the next day.. For no apparent reason they just decided to place a hold on my payroll check, a check that I always deposit every two weeks and is a Capital One check. I don’t think is fair for them to change their deposit policy just because they feel like it. This caused tremendous inconvenience for me. Is very unfair because the majority of single hard working moms depend on this paycheck.

The worst credit card ever!! Customer Service is the worst! I disputed a charge and it took almost two months to be resolved. Crazy! I've called several times about the same issue. Problem still not resolved.

Over a period of 5 days have spent probably about 45 minutes trying to get to a human and probably another 15 minutes talking with untrained customer services reps. Early on was told Chrome was the only supported browser. [What about Apple? - but I use Windows.] "The department I needed to speak with" (to find out that I needed to use Chrome) "wasn't available until Monday." I.e., no real help outside normal business hours. Still have a lengthy prompting procedure where the computer says it "needs to identify your account" but it does not accept account numbers, only Federal IDs. Eventually you get to a person who gives you a number he repeatedly insists will solve your problem when they open in the morning.

I have been a Capital One customer for almost 10 years, always paying on time and mostly paying in full, recently had $28K balance on an $80K limit card for a couple of months and still paying on time, suddenly I get a stupid silly e-mail that they have lowered my credit limit to $30K (from $80k) because of high balances! Stupid and irresponsible act that lowers my credit score for no reason whatsoever. They look at you as a number not as a valued customer as they claim in their TV commercials.

The Walmart Credit Card has been taken over by Capital One. You should be aware of this prior to giving them your information. Capital One just had a breach of 106 million customers personal information. See article: **. Currently you will be routed to a call center in India to get your personal bank account information from you, as Capital One does not have an automated system where you can pay. Human beings in India will make judgements about what you say to them and note your account accordingly...a computer system is direct and nonjudgemental. You will spend more than twice the amount of time trying to make a payment this way, as you will have to answer all kinds of personal questions.

I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On September the 30th, thieves made online purchases on Walmart AR (I live in Oklahoma City). I was notified 2 later and immediately disputed the charges. Of the charges, $303.06 were effectively charged to my card and another $303.06 were declined due to being over the card's limit. After spending around 1h speaking to a non-native English-speaking representative ("fraud department specialist") I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made.

I received a letter from Capital One today stating I was 2 months past due! I checked my bank statement and I made payments in September and October (I always pay more than the minimum required). I called Capital One to see what the problem was and they told me I missed a payment in August and as a result of late payment fees for August, my payment in September did not hit the minimum required by $5! Capital One never contacted me to inform me I missed a payment (no phone call or mail), but they did contact the credit bureaus to report me 30 days past due! When I spoke to Capital One they offered no assistance and actually scolded me for not checking my on-line statement - they don't send me paper bills anymore. I have never been late or missed a payment with Capital One, but they are content to collect late payment fees and destroy my credit over a payment that was $5 less than the minimum required. Closing the account.

When my credit was bad had bankruptcy 600. I filled out a credit card application for Capital One. Received two credit cards from capital one. Since then I have gotten my credit score to over a 720. I paid off all my Debt. Asked Capital One for a credit line increase. They declined my request. My account was never late. Paid them off which let me know their priority is the consumer with bad credit. Credit line only 3500.

I have been a multifaceted consumer with them for years. I had a credit card, and made payments monthly. For some reason a payment was reversed. I was not notified until the credit reporting agencies let me know. I immediately logged on and corrected it, paid everything and reached out to my bank account to figure out the issue. My bank was confused just like me. Capital One never notified me that the payment was past due. I contact them and was advised there was nothing they could do. I filed a complaint with the CFPB and spoke with Janina at Capital One. The company came back and said they are not required to notify me of past due payment or payment due, even though I signed up for alerts, so they will not reverse the credit report.

Capital One arbitrarily migrated my account from a Classic account to a 360 account. Have been a Capital One customer since Capital One acquired my old bank, Chevy Chase. Went into Bowie, MD bank branch to make my account payable on death to my Trust. Capital One will not allow POD to my Trust. I now have to have my direct deposit sent to another bank that does allow for POD to my Trust and also with have to migrate my online bill payments as well. Major hassle and inconvenience.

After 1 1/2 with a Capital card with our business--PAWN SHOP embossed on the front, we received a letter cancelling the card. 'Evaluated the business associated with this account and determined that it does not align with our policy.' Never once did we run past the 30 days. How is this NOT discrimination? They never complained about all the fees they collected when I used the card! Mark **

After putting 300.00 in my bank from my credit card they call it "cash in hand". So, they charge $6.60 for this action. The charge continues each month even if you take $1.00 cash. Also if you take a second cash out then it adds another 6.60 a month to your bill. The $6.60 per month for me has been 47 months to date "since 11/2015". The supposed cash was $300.00. Their charge alone exceeds the amount I took in cash and continues each month until the card is brought to a zero balance.

Capital One is not Crystal Clear: I had a bad experience with capital one. I sent my payment on time on October 2 thru my Chase checking account. My bank tried to do a wire transfer from October 4 thru October 9. The wire transfers didn't go thru then my Chase bank sent a paper check via mail on October 9 (my due date). The payment was late and they charge me late fees. I called Capital One to explain the situation and they told me that the wire transfer from other banks don't go thru 90% of the time. Capital One should inform the customers that they have issues getting transfers from others bank so we can made our payments thru different sources.

Had Capital One credit card. Recently have had 8 harassment phone calls repeating asking to verify my age and gender demanding copies of legal documents as proof. After submitting documents the credit card of 10 years was cancelled. They are denying discrimination of my age and gender, only possible reason for cancellation. Many articles of Capital One discrimination of old woman with lawsuits regarding the above.

I opened a new card with CapitalOne and paid my first payment early. I check my account when they state it should have been processed and it has not come out of my bank and while it shows posted on the credit card’s balance it shows what appears to be a pending return payment message. Naturally I call customer service to investigate. I authorize through the system and get a rep who does not give me her name and gives me very general information at lightning speed. I ask her if she can verify any specifics and she tells me she doesn’t have my account up. All payment questions are the same she says. If it isn’t in on time it’s a late fee. Granted she has no idea of my due date or if I’m reading the pending charge correctly or anything, but who cares about giving out correct information, right?

I called over 2 weeks ago to have a new card mailed to me because it had been a few years since I had used this card. I have 2 cards by them, but was traveling and wanted a card with no balance for emergencies. I was told it would take 4-6 business days to receive it. I waited over 2 weeks because I understand that business days does not include weekends. I was told that there was a system glitch that could not be explained and that they'd send another request. I told her that I left town in 2 days. The customer service representative said that there would be a $15 charge for that.

Refunded an item with an eBay vendor. It didn't go through. So spoke with an eBay vendor who tried to refund the charge, but it did not go through for whatever reason. I talked to PayPal but they were not sure why it did not go through and said to contact my bank or credit card company I made the transaction with. Called Capital One in May or June regarding a dispute with a transaction.They handled it well. Unfortunately, on their end they got the wrong charge and instead of crediting $99.99, they credited 96.00. First mistake. So they adjusted it later and everything was fine, until... The charge came back in the form of a "transaction rebill". I called them to dispute it. That's when they made several more mistakes.

Had Capital One cards for a long time and I thought all was ok. I requested a lower interest rate because of my history with them and my FICO Score (FICO is at max score possible). Unfortunately, they refused to even consider my request. I immediately closed all of my accounts with them. They simply don't care....

I still haven't received my credit card. It's been over one and a half month!! The funny part is I received my pin number for credit card already and haven't got my card yet!! And then their shipment is delayed!! So if the shipment is delayed how come the pin number mail arrived so early and not credit card!! So I doubt I am gonna have any credit card from them!! They are a big scam I guess.

Applied online and after a really fast vague signup process I got my card in the mail for $300. They immediately slapped me with an $80 signup fee so 25% just for obtaining the card. By the end of the process I spent around $160 and owed $345. I tried going online to pay it off multiple times and everytime they couldn't verify my information within their system and when I called on the phone they couldn't receive payments. Basically robbed me off $200 and seriously damaged my credit.

Do not ever apply for retail credit card at any store. Owned a Maurice's credit card and did not know Capital One was the bank owner on it. Was late on a payment within an hour and refused to wave late fee/interest charge telling me they already had done this for me when the same exact thing happened. Also got major attitude telling me if they were to waive again I would still get another late fee because it takes 2 days to process credits and that day was my due date (for the late fee and interest). Told me if I had called on the 1st (was due on the 4th) it would not have applied. Spoke with a manager who was unwilling to bend at all about this so I closed the account. BS and NOT WORTH any store discount. I will not longer shop at Maurice's either for this horrible experience. I will challenge any mark on my credit too.

I applied for Capital One Mastercard from Costco. I wanted to add my wife as a user on the same account as we share same Costco account too. The first customer service rep at Costco told that my wife can have her card on the same account when she comes next time to the store to take her photo. When she went there, the store told her that there is no application for her. I called Capital One, they told me that I have to go to the store with my wife. Today we went together, and the store asked us to call the call center in India again.

I booked 2 round trip flights through Capital One Travel for myself and my partner on 8/14/19 for $545.43 to travel from LAX to PHL on 9/18/19 and from PHL to LAX on 9/22/19. On 9/13/19, my partner was informed that he had to leave on a business trip from LAX to ORD on 9/17/19. He called American Airlines on 9/13/19 to try to change his outbound flight. American Airlines told him that since we booked the trip through Capital One, they could not help and he would need to change the flight through Capital One.

Not very pleased with this company either! So since transferring $150 over to the Citibank I tried to contact Capital One to ask if there was anything that they could do to help me. They told me there was nothing they could do except refuse the funding and basically claim that I didn’t authorize the transaction at Citibank. At the end of the day it was a huge runaround. And I got absolutely nothing accomplished. There is nothing they can do to help me is all they said. I truly have appreciating being the one that has to be patient. I’m not good at this. I really want to freak out on them.

I have been a Credit Card Customer of Capital One for quite some time and Truthfully I have the Best Credit Card In The World! No foreign transaction fees. A great credit limit. 1.5% cashback. What more can I ask for in a credit card? Today being Wednesday, October 2, 2019, I received Outstanding Service from Marie (Employee #**). She went out of her way to listen to my needs and find a resolution and I am Not sure what I would have done if it were Not for her. I personally want to Thank Marie for providing ME with Top Class, First Rated Customer Service.

Their customer service people are very nice and try to be helpful. Their Customer Service Process is the "classic runaround until you give up" experience. I am existing customer. I have concerned that my credit data at Capital is corrupted. After 12 plus phone calls in the last 48 hrs, I have given up. Their process worked.

I signed up for the Capital One Platinum. First got approved for 300 after making a 100 dollar deposit and my credit score was 580???? Well after 5 months my credit went from bad to fair!! And they raised my credit limit to 500 with on time payments. Which allowed me to get the capital one quick silver card no downpayment with a credit limit of 300! I couldn't be happier!

Capital One froze my account because they said my check from the US Treasury was not real, but it was good enough to take out the money to bring my account out of the negative. I deposited it, via mobile just like I have several other times. The woman “Xazia” was very rude and with a smart ** attitude wouldn’t listen to anything I would say. She told me that the FSA does not give refund checks thru the US Treasury and that the US Treasury only does checks for housing! FSA is federal and I can’t wait until capital one gets to speak with the Federal Government!! Just say no to Capital One.

Made payment of $16000 from a new checking account. Cap One accepted payment. Then froze all payment activity on the card the same day. Demanded I show statement mailed to my house within 14 days. Issue is it was a brand new checking account that can't send statement until mid-October. 6 weeks later. No amount of of explanation was acceptable, including being present at a Capital One bank with rep in Wyckoff today. No give. No acceptance of identity. No appearance to help solve the issue. Customer for 20 years. Doesn't matter. They will screw you when they get the chance.

Capital One used to have the best customer service. Now is very frustrating to deal with rude customer service. I disputed a charge for a scam artist merchant and Capital One did not accept the charge back. Very rude customer service. I will not use Capital One Credit card.

Deposited money and account maintained for duration of 120 days to avail the $500 bonus. Spoke to customer rep and was informed that money was deposited to the wrong account and therefore Capital One wouldn’t be able to give the $500 bonus. Upon opening account, I spoke with customer rep and was told everything was in order. I could have invested that money in another way/form and not lose time to earn interest. I lost 4 precious months to earn and grow my hard earned money. I’ve been a capital one credit card customer since 2013. Capital One ——- you just lost another customer. Poor service!!!!

I banked with Capital One since I was 18. I’m now 31. I “HAD” 4 savings accounts and 2 checking accounts and a credit card with them. All in great standing....On July 2nd (2019) I did my first transaction with my brand new microblading business using the Quickbooks merchant app. It was for $220. Everything went through great, no problems and 2 weeks later I moved $100 from the acct. The money was in over to another acct. When I did that I immediately get an email saying my $220 transaction wasn’t submitted - or something like that. I call Quickbooks and they say they’re closing my acct because It looks like fraud was reported on my first transaction. That I need to contact my bank because everything on their end processed and went through.

Another giant shady financial company that has no repercussions to losing the identities of millions of people. Data breach in March of 2019 led to roughly 100 MILLION accounts being leaked to a hacker. Capital One is "unsure" if any of this info was sold off already before the guy got arrested. Worst part? THEY DIDN'T NOTIFY ANY OF THEIR CUSTOMERS!! I had to CALL THEM about a suspicious transaction in order to find out about this and ONLY THEN did they offer free credit monitoring for two years. But even then, it is only through TransUnion and only for two years. If my identity was stolen that affects me for LIFE. Not just two years. Piece of crap company that should have billions in fines but gets away with a slap on the wrist. GOD this world is so corrupt.

To all credit card consumers out there, please be advised that this credit card company NEVER stops charging you interest even after you pay your balance off in full AND get the current payoff amount from Capital One themselves. Paid the next interest payment even though my card is closed and no charges were made. Next month I received ANOTHER bill for interest that was even higher. When you call you get a robot type person that basically says, "Pay it or else we will ding your credit." I also paid off my deceased father's Capital One credit card and wouldn't you know, just received a bill for interest! Is this legal???? Well I am going to the ends of the earth to find out how to stop this insanity.

I have been a loyal customer over 10 years and never had to contact them for any problem until now. There is a charge from Thirsty's Wine and Spirits that I did on my phone based on advertised price. I never received any response, email, receipts or ordered merchandise. I disputed the charge and their representatives (I could not understand where they did the outsourcing) keep asking me to provide supporting documents. I asked them to get supplier supporting document, I have nothing and did not receive anything. Their Rep. were repeating themselves like recorder. it was very unpleasant experience. I will cancel my card and filed complaint with CFPB. Even one Star is too much.

After being a card holder for over 16 years, I filed my first fraud claim. We were charged $510 in Mexico for a purchase that was $25. Capital One initially refunded the money to only charge it back once they completed their investigation. They claim no fraud happened despite the fact I was overcharged $485 and the company having no signature from me for the charges. I guess if you know how to run a scam, you can get away with fraud!

I had card for a while. Interest higher on card had to make two payments for a while! But after 20 years in business a bad fraud dispute hit then another then another another etc... I told them at Spark I had to close my business account I had for almost 30 years and move my whole business in town next door! They said they would help! They didn’t nor bill still very high payment 700 it’s been like that since I called them so the monies I’ve been paying to turn to save account is not going to work. All monies went to who’s knows what? I’m giving up now????

Do not use this company. They are liars, full of crap and will profile you and do not care at all period. They are discriminatory, do not care about their customers. They treat you like crap, unfair treatment and need to be talked to. I will be closing my account with them.

As a Platinum One member since 2002 I was forced to close my account today. I am a full-time medical student living on student loans and even Medicaid. I will not be using this card this year - I can't justify spending $79 for these "benefits" when I will never swipe this card this calendar year. Next year, or when I finish school, I would not have an issue with this. I spoke with Angel today and then Ian, a supervisor, and explained I can not see myself using $79 of my student loans to pay them for nothing. They gave me no other option but to close my account.

Updated on 09/30/2019: I haven’t even received my card yet and I’ve had it. End of August I received a letter to go to Canada Post to prove my identity. I did and then September 2nd I called Capital One and asked if everything was ok and a male representative said, "Yes your card as been mailed out. You will receive it in 7-10 business days." Well sure as ** no card. So I call back and they say there is problems so I need to contact a different department. Well got transferred then on hold for 48 minutes. To talk to a lady who says it was their mistake. They missed my middle initial so they had to send me another letter to confirm it matches my Id. Ok so as of September 27th still no letter. Call back again and talked to not 1 rep but 4 different rep.

To begin I paid off the card. Was given a pay off amount. Shortly thereafter - received a bill. Was told it wasn't available to the person I spoke to when I asked for a payoff. I paid it. 2 weeks later received another bill - 33.00. Asked why??? Was told it was the interest on the first amount. I asked how many payoffs are there? The person answering the phone was polite but offered no solution and the only option I was offered was to close the account. I never missed a payment and had have been a customer for many years. Lesson - there are much better credit card companies out there. I'm expecting another "Bill" next month with another pay off. Stay tuned.

I was on the phone for approximately an hour to dispute charges. Just got the Card and actually I am writing this review while she has me on Hold. She embodies the whole reason why people hate Clerk type customer representatives who provide the worst Service ever. I am still on hold and we're at 50 minutes and counting. Sheryl is a Failure in the company and actual does more stuttering. Now with Jenny a manager trying not to fail me but an hour of my life is wasted!!

I am spending two years overseas and Capital One has cut me off because I don't have a U.S. phone number. So, basically I was told "tough luck" and asked if I know someone in the U.S. who they could send my code to so that I could regain access to my account. This credit card company is NOT equipped to assist customers who live in a different country because I cannot use Capital One online. I called them and went through supervisors, but they tell me that the "system" does not allow overseas telephone numbers for verification -- unlike my US bank, which seamlessly changed my phone number to my London cell phone. However, they continue to let me charge G NT things while I am in London, but I am NOT able to use frequent flyer miles or see my statements. How do I book passage home? How do I find mistakes in my account?

I ordered items from overseas and 2 of the 3 items I received had burn holes in them. I have tried multiple times for the merchant to refund or replace the items and they just did not care. I opened the claim with Capital One and instructions were given to me by the claim agent. The merchant provided proof of purchase and nothing else and I provided a letter with details and evidences.

Their online banking system is a horror show that reflects everything wrong with American capitalism. No accountability. Minimal customer support. A weird format. Self-congratulatory tripe. God forbid you have to consolidate card accounts to repay a Quicksilver credit card payment. I get the feeling they are intentionally making life difficult for customers, in order to rake in those sweet penalty windfalls.

I was a customer for over three years. One day they decided to block all of my cards for no reason that I could see, I monitor my accounts regularly. I tried on several occasions to get them to lift the restrictions and they kept telling me they needed verification. I sent in the verification. I was told they were unable to verify my identity. One the last time they told me that I needed to send in copy of the front and back of my driver's license, front and back of my social security card, and two utility bills. They refused to tell me why the cards were restricted in the first place. This company is not worth your time. They are a complete joke. None of their communication centers are located in the United States.

As embarrassed as I am to admit I fell for an email scam, I did. I received an email from what I thought was my client asking me to purchase gift cards that I would be reimbursed for. Knowing my client (I have known him for 40 years) and his personality, this not a request that would put up red flags. In hindsight, I wish I had questioned it more but long story short, I spent $3500 (I admit I used the card and allowed the charges) that I will now never get back. I did everything I could do to report the issue (contacted the company the gift cards were purchased from, filed a police report and reported it to the FTC). I supplied all this documentation to Capital One's fraud department in hopes they would help me out in recouping this money. I am by no means a wealthy person and losing $3500.00 from my SMALL business account was a real financial blow.

The membership fee was reversed.

After having forgotten my password I called Capital One to lend me support. Since I live overseas they were unable to help me since I don't have a U.S. phone number. So, basically I was told "tough luck" and asked if I know someone in the U.S. who they could send my code to so that I could regain access to my account. This credit card company is not equipped to assist customers who live in a different country.

Don't ever trust Capital One!! You are penalized as if you are a criminal if you mail a check to pay off your card taking away their precious interest payments. They refuse to release your payment and open up your available credit for over a week to make sure your payment "is real". They don't know how to speak to you as a human and read from a script word for word refusing to help you with your request to close the card.

About two years ago I obtained a secured credit card through Capital One. Since that time I have improved my credit over 800. I have other credit cards with limits around $20,000. They will not graduate my secured card even though it's been a while and my credit is excellent. I would not recommend getting stuck in a secured card with Capital One.

Customer service is awful. I have spent over 2 1/2 hours sitting in the bank over the past few weeks trying to open a CD for a non-profit organization. Our organization already had a savings account with the bank, so you would think this wouldn’t be that difficult. I was wrong. Nobody knew how to do it. First they could find our file and it took them 45 minutes to find it.

I had the misfortune of decreasing my use of credit cards and I hadn't used my CapitalOne card for 3 years. I wanted to keep it open because the interest rate is really good. They notified me by email that they were closing my account due to inactivity. I called them to activate my card and I asked an agent what I needed to do. They said you simply have to use it before a certain date and it will be fine. Same day I tried to use it and had the embarrassment of a declined card. I live in a small town and it was humiliating.

This has got to be the worst credit card company I have ever used! I recd my card 3 days ago and was very excited about the card. After activating it and adding it to my Samsung Pay, later in the day I decided to try and buy something on Samsung Pay and it was declined. I recd emails and texts saying it was suspicious activity, so I called them. I thought it was going to be a simple call since I recently activated the card, maybe they do this for protection of the customer I thought to myself. Martha attempted for several minutes, then several more minutes. She reset everything and asked that I try again, I tried and it was declined. Martha tried everything again, it has been well over 30 minutes with no resolution and it was after 10:30 at night, so I said I will just try the card tomorrow.

In a nutshell, they don't send you the card you applied for. I applied for a card with 0% interest on balance transfers. I got my card in the mail and tried to do a balance transfer online. It was showing there was an astronomical interest rate on the transfer. I DID NOT COMPLETE THE TRANSFER. I immediately called Capital One and I was assured that my interest rate was 0% on balance transfers and the issue would be resolved. I received my first statement and there was a $87 interest charge. I called again. They promised me I would receive credit and would honor the 0% interest. I received my 2nd statement. NO CREDIT and and $86 interest charge. I called again. This time they say there is nothing they can do and I'm not allowed to speak with whomever made the decision to deny my request. DISGUSTING BUSINESS PRACTICE!

Unbelievable! I have had this business credit card for years and have NEVER had a late payment! I paid the total card balance of over $10, 000 a few days before autopay was due. Then autopay deducted over $8500. So the card had a negative $7000 balance. I asked them to return my money as I obviously did not want that deducted since I had paid off the full balance. They talked to my bank Chase to make sure the funds had been deducted. Then told me it would be 5 days for them to reissue the funds!!!! It took them 2 hours to get the funds from Chase and they are taking 5 days and then said Chase may take 5 days. And I need the funds now!!!! **!!!! Predatory Lending!!!

Shocked to see my Mastercard has gone 5 times my credit limit! I only have 300$ credit limit on my Mastercard so I barely use it. Just for emergency purposes. 3 weeks ago, my car got a problem so the insurance company gave me a rental car. The rental car, took 150 for security deposit fee. I returned the car after 22 days, nothing seems happened. 3 days later, I got my statement of account from Capital One and it blows my mind, I was charged $1586 by the car rental. So I went to the car rental to take a breakdown of the money and took a receipt to deal with the insurance company.

I have had a pre-paid Capital One card 8 or 9 years. I signed on to pay my bill and a pop up screen jump up and says "check to to if you qualify for a new card, this won't affect your credit". Sure nuff, I was qualified to get one of two cards. But only if I "applied now". So I did. And Was turned down cold... And now have three inquires lowering my already hurting Credit Score. Boooooooo today.

A few days ago I received information from Capital One, that my data including my sin # and other personal data was taken in the 106 million breach of personal data. After calling being explained that we will offer a 2 year free credit monitoring my credit, we already get this service free, then 3 days later being charged $79 for having the card. What a joke. I called after being on hold for 1 hour 4 mins, got them to ask a manager to call me back. Explaining WHAT SERVICE did you provide and my personal data been STOLEN, then just is they have done nothing at all, and will continue do so. This will affect their bottom line, not your service. Most certainly not your personal data. I canceled my account and encourage others to do so.

Capital One is terrible. I have had a secured credit line for 5 years through them, and they have yet to refund my security deposit. They hold your money forever. I went through school with a bad credit score and now I make upwards of 100k a year with a 750 credit score. They do not raise the credit limit and charge you interest against your OWN money. It's pathetic, I have another credit line with them that they raise by like $50 every year, when I have other cards with 10k-20k limits. DO NOT DEAL WITH CAPITAL ONE IF YOU ACTUALLY WANT HIGHER LIMITS, OR IF YOU DONT WANT TO BE CHARGED INTEREST against your OWN money. Worst bank in North America.

I had requested for a billing update request, and I received a confirmation letter in the mail verifying that the request had been completed. I went to schedule a payment and noticed that the billing due date did not change, so I called Customer Support to schedule the payment and to have the Past Due Fee waived due to receiving a confirmation letter in the mail. After speaking to Customer Support and a Supervisor, they stated that they could not honor the Refund Request because it takes 1-2 billing cycles for the billing update to process.

I have been a Capital One customer since 1999. I recently asked to have my membership fee of $39.00 waived. I have more than one card and since I've been a long time member I did not think that was a unrealistic request. They said no, they could not do that for me. I asked to speak to a Supervisor who reiterated customer service's answer. When I said I would cancel my cards, they were more than happy to do that. So I am no longer a Capital One card holder. I also canceled my Walmart card as Capital One is taken them over. If you want a credit card company that values their customers, do not go to Capital One.

Capital One/worst bank ever. I agree 100%. I was suspected of depositing a fraudulent check from Wells Fargo. Which turns out to be a great bank. Capital One gave me the runaround and did not offer a solution to the situation. I had just had a major surgery and not fully recovered. Capital One blocked my online access and proceeded to place their foot on my neck hoping I would fall. Wells Fargo stepped right in, ran an investigation, offered a solution and took care of the matter from beginning to end as well as paid any fees I may have accrued. STAY AWAY FROM THE BANK CAPITAL ONE. CAPITAL ONE IS NOT A MAJOR BANK ON THE PLAYING FIELD AND THE CUSTOMER SERVICE AS WELL AS SECURITY ARE BELOW STANDARDS!

Making a payment w/ my Capital One credit card, it was denied. I called, they suspected fraud, which it wasnt'. I missed out on the reward point of a $600 purchased. I wanted the points that I would have received, refused. It was not my fault that they denied as I have used this vendor MANY times and have spent thousands of dollar, so there was no reason to expect fraud. If the vendor typed it in incorrectly, still not the customer's fault. I had to use my American Express credit card. This has happened before they gave me the points that I would have received. Talked with a supervisor and asked them to do the right thing and they denied. Very poor customer service. It encourages me to use another card. I am a excellent customer and have NEVER paid late.

I applied for this card as it had 0 percent interest for 15 mos and 0 percent foreign transaction fees. We were going to Fiji in November and planned to use it here and there. I was approved for $15000 but restricted as they need to verify. Sent my Drivers License with my picture which I really hated to do as they already had my social security #. Anyway, get my card and go to activate and it is still restricted!

I have been a credit card holder with Capital One for 16 years and was interested in opening up a Capital One checking account but after applying for other products and being denied I decide my local bank is worthy having the funds in my checking account. I have used Spark credit from Capital One for a couple years but they just can’t meet up with Discover. Discover also has a better point system. Redeeming points is very good! Capital One will only give you 3/4 point per point transferred. I highly recommend Discover. A lot easier to work with. They appreciate their customers and show it by being very workable and considerate to existing customers. Thank you Discover.

I have never dealt with a more deceitful and greedy company as Capital One. I have been a card member for over 14 years and have been treated like absolute garbage. Upon paying off my VERY LARGE credit card balances in full, I had been working with a representative who offered me a credit courtesy of 2 months interest taken off my bill if I could pay my credit cards in full. Excited about that, I made it happen but when it came time to pay off the balances in full, that offer was retracted. I have dealt with Capital One for almost 2 months dealing with this issue and now they claim that I never made that phone call because it’s not showing in THEIR records, yet it shows in mine... to top it off, out of frustration of being treated horribly on the phone by numerous reps, and being lied to, I decided to just pay off the full balance and not deal with this company anymore.

I used this card once, and inadvertently signed up for ONLINE only statements... bad idea. They charged off $35 as I never saw the statements -- once the collection agency called, I paid it. I see that is is shown on credit report as a charge off. After calling Cap One today, they stated they do not remove this type of account at the request of the customer. So this once $35 charge off, and PIF 2 mos later --- will be on my credit report for 5-10 yrs. =[ I have done business with them on other cards over the years, and have an otherwise excellent credit score.

I've had a Capital One Visa for over 20 years and called to see if they would lower my APR (which I've never done before). Their "records" showed me as a customer only since 2002, while I've had this card since the mid-90s. This card is actually one of the first credit cards I ever had, but okay, 2002. Whatever. When I asked to have my APR lowered, they said they would give me a promotional rate for 6 months to lower my APR and then I could call back to get a new promotional rate. If I didn't, then my standard rate would apply. So, I'm supposed to jump through hoops every six months to get a lower interest rate? Yup, they wouldn't budge. They didn't care that I'm going to take my business elsewhere, even though I didn't really want to. I guess they've got enough customers that losing one who has been with them for 20 years is of no concern. Thanks for the appreciation, Capital One.

For a number of years, I have spent several thousand of dollars per month using my Capital One Mastercard (from CostCo) and paid it in full every month. Today, I received an automated email from Capital One notifying me that an "international transaction" in the amount of $1.38 was made to my card. I subsequently called the number on the back of my card to inform them that the card was invalid. After being transferred to 5 different representatives (and, according to my phone, 28 min 14 sec), I was told that they would have to call me back in 2 or 3 days. Is the time and effort that I spent this morning WORTH $1.38??? I utilize the bonus savings associated with use of the card to make purchases at CostCo. IF NOT for that, I would cancel the card immediately. Think very carefully BEFORE you apply for a Capital One Mastercard, particularly if you might need some customer support in the future.

Capital One is awesome. I never an issues with this credit company at all. None whatsoever. They have very very excellent customer service. Anytime I have an problem with my card they fix it right away. 100% I won’t be ever leaving Capital. I have two cards with them and I’m glad I’m a customer.

Capital One Secured Visa is awful. Applied and approved for a credit card in May. Made my deposit in May. Still no card after calling every week. It was July 30 when I decided I just wanted to get my deposit back. Now it's August, no refund of deposit. Customer service says to "call back next week." Every time I call, complete waste of time. Serious language barrier. Rude customer service. This has been a complete nightmare. Now I also have 2 inquiry on my credit report from Capital One and all I wanted to do was built my credit. Stay far away from this one.

Terrible customer service. They recently had a huge data breach I read about and didn't even tell their customers yet. Several times I have had issues with their card in the past and coincidentally, I had 3 different cards hacked from this company in a one year span. They are a sketchy business that provide nothing unique. Please try a different company with better reviews.

I have been with Capital One for over 15 years and have a credit line of over $12000 on this card. In a matter of days my trust in this company has vanished completely. I have been traveling abroad and using this card almost daily for 3 months without issue. I attempted to book an Airbnb room and the purchase was suddenly declined. Keep in mind I have booked rooms with Airbnb with this very card 3 times in this country already.

I have been a good customer for about 20 years. They have increased my interest rate. I have not had a credit limit increase in over 17 years even though I have a good record with them. I have brought at least 2 customers to them. I am highly disappointed with this company. They say that my account will be reviewed but never is.

BEWARE of not having ONLINE access to your ONLINE Capital ONE 360 money. Today Capital ONE deactivated my credit card WITHOUT notifying me . After a call to Capital One credit card section and getting no satisfactory answers, I wanted to transfer money out of my other Capital One account, my Capital ONE 360 ONLINE account. Now mysteriously, ALL of my Capital One 360 ONLINE account functions work EXCEPT the TRANSFER money out function. I am now blocked from using the TRANSFER MONEY OUT function of my account. I can see all charges, deposits, all history in my account so I know the account is working quite well, I am just BLOCKED from transferring money. Is this against banking laws? Are they changing their name to WELLS FARGO?

Beware of this company, pure scam on their miles reward program! Here is the truth everyone, that mile you earn is not a real mile, it is only $.01. That's 1 cent 1 penny per mile, so in all reality you are not earning 1 real mile, you are earning one one hundred of a mile that's 1 percent of a mile. So when they lie to you and tell you "Sir if you spend $3000 in a period of 90 days you will earn 50.000 miles." You are only earning 500 miles, that's it, yes what a scam.

I spoke with Hezekiah a billing manager about some fees added to my account and he refused to remove said fees and or let me speak with his superiors. Poor service that should be addressed asap. What a mess.

I have never had a real problem with this bank as an online bank. They don't have very many branches but I have been able to do most of what I need to do online. My only issue has been that I could not apply a DBA to my personal account. I don't make enough money to have a business account. It was easy to sign up. When my son was in college, I was able to share an account with him and quickly transfer money to him. There were times when I needed a second account, as an example to put my rent money into escrow or to save money for a vacation.

Wanted to close the account but was not able to do so online. Needed to call in where I was asked to say my full social security number to the rep more than once. Would not need to do that if they'd allow cancellation by logging into account. This is after the data breach incident. Does not appear they take your information seriously still.

I’ve used ING from before it was acquired by Capital One. It has a good interest rate and is easy to use. Now that it’s part of Capital One it is just as easy to use. It allows me to connect to my bank accounts and earn high interest. I like how they verify that your bank account is yours; by giving you two small deposits and asking you how much they gave you. It seems like such a hands on workaround but it makes so much sense. I will keep using ING for keeping my money pretty much out of reach.

Online banking for me is more convenient, flexible, and more straightforward to manage than traditional banking (walking into the bank and doing everything at the counter; deposits, withdraws, bank account balances, etc.). I can transfer money between accounts, pay bills from the comfort of anywhere. I use my bank's mobile applications, which allow me to scan and deposit checks wherever I happen to be. Online banking also allows me 24/7 anytime access to my balances and transaction records, and they will at times send me text message alerts of possible fraud, or a purchase that exceeds my preset limit amount, and much, much more.

When you try to order a new card and they ask you to sit on the phone for over an hour just to ask you for more info (SSN) and any info to deal with your identity. There should be no reason they need all that info to send you a new card. They worse credit card company out there. Just looking to steal identity for people living in foreign countries....

This company allows fraudulent charges to be deducted and does not care about the customer and blame it on Visa or some other entity. What a scam and they should be ashamed and embarrassed for supporting thieves and allowing these fraudulent charges to passed on to 'their" customers....

I had no trouble getting started, I entered all my information and it was saved on the website for Capital One under my user name and password. No problems. They had no trouble getting the $99 start-up fee, then..., 2 weeks later, they hit my account for two more $99 charges which threw my bank account into overdraft status. I get that straightened out, Capital One refunds the 2 $99 charges, then adds the overdraft fees to my credit card account... not my bank account. I did get it back, just not the way it was taken.

I can not send online checks because they don’t offer that service. I can’t access cash. No atms. Difficult to make deposits because there is no ATM. NOT easy to do my banking. I’m in search of a new bank.

I started using Capital One a few years ago and would definitely recommend. The APR is much higher than regular banks and some others. I am able to have funds transferred to and from the bank within 1-2 days. If I have any questions there is someone to respond right away.

2% interest rate on savings account. Interest paid on checking account. Multiple accounts. 1. 360 checking 2. Business credit card with 1.5% and 2% cash back. GM credit card. Online alerts and online account viewing.

Wife has an account. I have a gold card. We use MS money and OFX files. Download the wife's transactions no issues. Download mine. The dialogue is different, but I get a file. But the financial software pukes and says the transactions are in the wrong currency. Compare the 2 files. They sent and they are formatted differently. Talk to chat. They say I have to call. I call. First rep doesn't understand the issue. Clearly suggests I download a CSV and has no clue what I'm trying to say, this goes on for almost an hour. I ask to escalate this. It gets escalated to his supervisor who barely speaks English and we go round and round for another half hour, and then he says there is a known issue on the OFX downloads. No idea when it will get fixed. That was a waste of 2 hours.

Capital One has been the best bank I have ever done business with. Never an issue and no complaints. The credit card rewards are reason enough to open an account. The competitive rates on their accounts is much better than other banks.

The online app is easy to maneuver through. The customer service representatives are pleasant and courteous, and was very informative when I had questions regarding my account. I would highly recommend this company. It also explains my credit score and tips to help me improve my score.

I have been a loyal customer of Capital One credit card for a very long time (more than a decade); However, I recently terminated my relationship with Capital One because they refused to address the duplicate charge issue that I have reported (for the amount of $34.22 from UBER). When I pointed out to Capital One the duplicate charges, their manager from Transaction Support department named Ian told me that charges are not duplicate because the fact that charges show up twice is an evidence that UBER billed Capital One twice (UBER presented me with evidences that charges were only made once; not twice as Capital One claims). I've really enjoyed my relationship with Capital One because I have found their mobile app to be absolutely superb. However, my experience with their new overseas call center quite irrational and unpleasant. So, why continue the relationship???

The interest rate is much higher than you’ll receive from local bank account which is a plus. The only thing that is bad is that they limit your withdrawals from your account to five a month. If you go over that they will close your account. That’s about the only thing you really have to be careful with when you’re having a online bank account.

The website and mobile apps are user friendly and intuitive. Other banks I use seem to lag in this area and activities are posted immediately and alerts of fraud charges happen instantaneously. When you call for customer, you can easily get to a live person without a lot of navigation through the menu system. The card gives me money back on my purchases and the interest rate is inline with other banks.

I have had my account hacked and money stolen many and many of times... I recently had $1300 taken from my account. I have not worked in over 4 months and just recently received my first paycheck. I have my account set up to decline purchases if funds aren't available, I had .63 cents in my account and had $1300 worth of charges allowed to come through. The customer service department could not give me a reason on why these charges were even allowed to come through in the first place. The customer service rep told me "things fall through crack". Another SUPERVISOR told me the system failed. I am a single parent and have no one who can help me with financial things. I have been now on day 3 with no money, and have 3 kids... I also have school supplies coming up to buy and also a brother who has been in the hospital in ICU. And have had no way to go be with my family during this time.

Very reliable website management. Customer service is always available and prompt in helping you with. My accounts are updated in real time with no delays. My account is safe with fraud protection. The only draw back with an online bank such as Capital One is that you don't have a local bank for deposits. Written checks, however can be scanned and deposited using your phone and the deposit is available the next day.

I always get the help I need with knowledgeable people who want to help. I never have had any issue and appreciate the services they provide. Would recommend them to anyone who wants to use an online banking service.

There needs to be better security protection, and faster turnaround with disputes and issues. Credit lines should be raised if you are not delinquent and pay on time without a hit to your credit. You should...

I have been with this bank for almost 20 years, love the great customer service. The manner by which they alert you when there is a problem surpasses others! The convenience of the branch locations also make the bank very accessible.

Capital One online banking is a fast and easy way to track my banking and credit card account, pay bills, transfer money and making changes and additions. It has been very flexible and safe, and I can do most things from the phone app too.

I think it's very easy to use and make my payments. It also alerts me when I have things coming out of money spent and makes sure I'm the one doing it. Also if I have more than one card it puts them all in the same area.

There are no banks anywhere near me, and it's virtually impossible to close your bank acct. Great credit cards not the banking though..although good rates on the debit card for traveling out of the country.

I’ve been extremely happy with Capital One online but after hearing about the recent data breach I’m starting to wonder if any of these ‘secure online banking’ are foolproof. I do appreciate the customer services from them, I just hope they’ve secured all data breach issues.

Capital One uses their system of algorithms to discriminate against their customers by deciding who they offer benefits and services to and those of whom they don’t. They use your personal information for unscrupulous reasons. Please be cognizant of what you reveal to them.

I have been Banking online with Capital One formerly ING, I have had a mortgage with them a few savings accounts, it's great to work with them. I bought stocks on the website. Very great customer service and easy transfer funds.

I have had my Capital One card for about 18 months. Over the 18 months, they have increased my credit by $300. My husband and I both have jobs and make decent money. Last time I asked for a credit line increase they approved it for $100. I didn’t even know they made increases that low. When I called to ask about it I was told that “the system makes the decisions” that was it. I was not able to speak to ANYONE about it.

The lack of transparency allowing our financial and personal data to be compromised is without reasoning. With today's technology and software and prudent security, this should not have happened. The board of directors need to hold people accountable to this and place prudent measures in place as well as better communication to the customers.

Capital One is the best bank I have bank with in a long Time. They are quick to help you. No long waiting on hold or online for a response. Opening a account online was easy. They are always happy to help and you can hear it in their voice they are sincere. I really enjoy banking with them.

My due date was changed abruptly. I called and no one can explain why. The best the service department could say is if they changed the due date I am sure they have a very good reason for doing so. Their system to get to actually speak with a person is very poor. Capital One is not concerned with Customer satisfaction or service. They do not need me to be their customer and they do not need you to be their customer.

Their rates are good plus their bonus when offered. Help is very good. When setting up account to add PODs they walked me through everything. I like them. Interest is paid monthly, and you always have full access to your funds even if you should close the account, no closing or hidden fees.

Really for people working up their credit. Does not have great credit card rewards. They give you really low available balances. It's a good company to start out with when you have no credit but it's really not good after that. You can find way better deals elsewhere.

While reviewing my bill through Capital One’s app., it stated that my due date had changed from the August 24 to September 9th???? I didn’t make this request! THIS ONLY MEANS ONE THING! How can we incur more interest from our consumers! After speaking to Capital One first line of defense (Representatives) she stated that there was a system update and my due date of the 24th was no longer available????

Ease of use and quick access balances and recent transactions make me feel comfortable that my money is safe and secure. The app is very easy to use as well and the customer service is excellent. I highly recommend.

Because I am a secured card customer it is my opinion that the service received is sub par. I call and am unable to reach customer service without extended wait time. It takes them almost three days to post a payment. Even after making the payment, the balance is wrong.

The inability to transfer an account to a parent is ridiculous. I initiated an phone call to have my daughter account transferred to her father. Was denied. I am unsure why. It would make a lot of sense to transfer.

They won't mess up your acct because it never happened. They should however take preventive measures against hackers & continuously with law enforcement officers on a daily basis.They should work with the FBI & the CIA.

I opened a Capital One 360 checking account in addition to my regular credit union accounts, because it allowed me to have an additional checking account that did not charge a fee or require a direct deposit, or minimum balance. It even pays a small amount of interest. I found it very easy to deposit money, transfer money from my credit union accounts and pay my bills quickly from this online account. They do not have a designated ATM in my area, but they do have a list of places that do not charge you the ATM fee. I love having this extra little account for my vacation and gift fund.

Their online banking app is easy to use and makes sense. I use other online banking apps and Capital One is on the top of my list in terms of ease of use. It is clear, simple and offer access to many features. They also offer zero fees on international purchases and this is amazing. Their security is also wonderful. My card has been breached and this company knows before I do that there is a problem. Their customer service is always very helpful and informative. I highly recommend them. I had an auto loan and currently have their credit card. They are great.

I have had a Capital One Credit Card & online account for several years and had no problems until June 2019. Capital One Fraud dept called me and after a very elaborate long winded verification process, told me there were suspicious charges on my Chipped credit card and so they cancelled it, and said that they would the next day FedEx me a replacement card. Sure enough it arrived next day around 12 pm and I immediately went online and phoned in to activate the new card. The activation line put me through to the fraud dept before I even activated it, the fraud dept who said they wanted to verify some charges. I explained it wasn't activated and I had just taken it out of of the Fed Ex envelope and thus had not used it at all. I then noticed a charge of about $9 at a Subway in Georgia, I'm at my home in South Florida BTW.

My account was closed due to inactivity without giving any notice. I called to have reopened because I’ve been a long time account holder. I was told to reapply because they can’t reopen. I find it hard to believe they cannot go into their system and reopen the account. Will never be a Cap One customer ever again.

I have been a C1 credit card holder for about 10 years. I have only positive things to say. When they detected a fraud about twice in the past decade or so, they immediately called and lately also send emails. I get on the horn and they correct it, immediately send out a new card, etc. Spotless. Every time I talked to a representative, they were pretty good and seem to be knowledgeable and helpful.

I have been with Capital One since they bought North Fork Bank... so it's been a long time. I can honestly I have not had a bad experience with Capital One. From their bank services to their credit card, they have been a wonderful partner for me. I have heard stories from other people, but I honestly cannot relate. Whenever I have had to contact them, I always received great customer service and they immediately addressed and handled whatever was of concern to me. I know they just announce a breach, which really sucks, but for now, I am staying put with them.

Great customer service and very responsive to problems. Calls and follows up on banking discrepancies and keeps me up to date on possible acts of fraud. Money market account maintains one of the highest interest rates with an easy to use website.

I'm extremely unhappy with Capital One's customer service. I opened this account maybe 3 years ago. I linked an account and attempted to perform transfer. It failed with a message saying I should call a toll-free number. The first time I called, I got disconnected while the associate was investigating the problem. I called again and had to start over. So I asked to give a callback number in case of getting cut off again. The associate said no to that. Also said there was not a way for me to call and reach her again. I asked for a reference number I could use to refer to my case, and she said they don't do that either.

This review is 100% accurate and true. I opened an account for me and my teenage daughter. I messed up when entering her social security number and my finger hit a 3 not a 4 so she was locked out of her account while I completed an IRS form to verify her social.... This part was completely MY FAULT, but what ensued after was a horrible ordeal I pray no one else goes through. We were in the middle of a move and while driving a 26’ van, moving 465 miles and 2 states away, Capital One closed both accounts with NO warning only to leave me to find out when my debit card was declined to fill up for gas. I figured this was a security measure as I had just used it leaving VA and was now in NC so I called their fraud department to validate the gas transaction only to find out both accounts were closed due and they would never do business with me again, so they not only closed my bank accounts but also my credit cards.

I CHANGED BANKS FROM BANK OF AMERICA TO CAPITAL ONE and regret it. Having many difficulties adding a joint account holder. I have been trying for one month. Visited the branch, chatted with agents and get different answers every time. The worst is that nobody know when this can be done. My partner opened 360 account and business accounts and has had many issues connecting the two since apparently they are on two different platforms. We are both very frustrated with running to the branches and chatting with agents regarding different issues that don't get resolved. Do NOT JOIN Capital One.

Absolutely horrible company - they did not honor my reward miles. Even after 7 calls, Capital One has still done nothing to fix this. If you plan to sign up to any company in regards to rewards, go somewhere else. It isn’t worth the risk.

I had an account with Capital One for a year paying with my checking account monthly with no problems. Upon calling to complain that Capital One applied a statement on my credit report causing a 60 decrease my account was then deleted - alleged to be fraud. Executive offices lied terribly to me and I was able to explain in detail that facts. Capital One will not reverse their actions and will not approve a new card application they advised me to apply for. The alleged investigation they took never reached out to me prior to closing the account to prove any identity issues between myself and Capital One. I have been treated very poorly and 2 complaints filed by myself to the CFPB seem to bear no effect with them expediting the process as it's causing hardship.

I trusted Capital One to be my main card while traveling. This was a nightmare. I contacted the rep to share that I could not pay my bill due to not having the same sim card while traveling internationally, which their site required me to authenticate with due to it recognizing that I was overseas. They responded with questions, including some which I had no way of knowing from very old public records, and then when I could not remember my address from a home I lived in 10 years ago for 3 months in Grass Valley, locked me out of my card use and account, leaving me in a foreign country with no money, after I had literally put far too much trust in this company for being my solid financial card during my travels.

I filed a dispute with Capital One well within the requested time limit after a failed attempt with the merchant. The merchant sent an e-mail stating they sent the wrong product but would only refund me 50 percent. I thought this was case closed as the merchant admitted to the error. I sent a copy of this letter on to Capital One only for them to come back and say they couldn’t verify the letter was sent from the merchant and now the time to dispute the charge had expired. Even though a week went on with no correspondence from Capital One regarding the documentation that I sent. “Calvin” the agent I dealt with was the most useless person I’ve have ever spoken with, and definitely needs some Customer Service training.

On vacation unable to access account online. Computer locked out for no reason. This is a ruse to force me to give them my cell phone number, which I do not give out. Terrible customer service. Took 5 min to get to someone who told me they will not unlock my account unless I give them my cell. Extortion! There are other rewards cards. It's time to cancel.

Has been playing games since the 9 of July 2019. Ordered new card that was suppose to be here in 4 to 6 business days. Is not here 9 days later. I just moved and my credit card is not here! Not a happy camper and I need to buy some important things to complete my move. I wanna try Chime or VARO - not a lot of hidden fees. Capital One you have lost my love and praise.

I’ve received my card February 2019, I was told I would have to fill out an SSA form which was no problem. I was told it will take 7-10 business day to come in the mail, and 2 weeks later nothing. I constantly called the company and representatives keep telling me they’ll send it out and will notify the department, it’s going on July 18 and no forms. When I called in June I was told the person who was supposed to send me the forms never started on it even when they keep sending notice to do so. So I have a credit card that I’ve had from February until July 18, which I have not been able to use due to lack of contact from their departments, nor have I’ve been compensated for their inconvenience. End of complaint, I ended up getting an Discover credit card which I love and it haves awesome rewards and was able to use as soon as I receive the card.

I have never had a positive customer service experience with this company. You would think they would be more knowledgeable but the treating of the agent sucks because they know nothing and instead of figuring out what is best to help you they will just transfer you from person to person. They have never delivered on anything they say and I have not had 1 positive experience. I'm closing this card and severing all ties.

I spent 3 hours on the phone with Capital One last night and was lied to and manipulated. I asked for a customer retention specialist and told Capital One has no retention specialist. I was told three different stories why my line of credit was reduced from 100k to 20k, from I called and requested, to Capital One saying they sent a letter, to Capital One just did it. Have been a customer since 2011. Capital One is what I call the AI experience! 829 credit score. Never missed a payment on my end!

Capital One is charging outrageous interest and fines to their customers. From a quick search on the web you'll find they are involved in several class action lawsuits. Be warned. Unfortunately I didn't figure any of this out until I noticed a 29$ fine for an item posted the same day as the fine. Customer service was a joke.

I work for IBM, we get paid on the 15th and end of month. I have paperwork stating if a payday falls on a Saturday, Sunday, or Monday we get paid the Friday before. Here it is Friday the 12th... Monday being the 15th and I have no direct deposit. This is the third time this has happened. All my co-workers got paid just fine but Capital One refuses to release direct deposit funds on time. They say they aren't holding it but HR stated they sent it, everyone who doesn't have Capital One got paid... You do the math.

I would give ZERO stars if I could. I received a letter in the mail indicating they closed my account since my credit card hadn’t been used in 3 years. There was no warning, no recourse. I called and they refused to reopen my account. And why exactly can’t you reopen an account for your customers? Because you can’t make any money off me?!?! They said if I would like to continue doing business with them I would have to apply for a new card. I will absolutely NOT!

BEWARE. THIS COMPANY IS TERRIBLE WITH FRAUDULENT CHARGES!!! I made a purchase at Ulta for $78.99 and left my card in the reader. The next customer in line used my card and charged $193.00. Someone found the card and it ended up in Ulta’s safe and they destroyed it. When I contacted the store they said “oh her name is Rita” so they know it was a different person than me using the card. If you compare the receipts you will see the rewards number on her purchase and not on mine. I was credited the charge and issued a new card when it happened and then over 2 months later they are saying the investigation proved it was not fraud and they put the charge back on my card. I have spent hours on the phone talking with supervisors at Capital One and at Ulta and am now working with a detective. They said I had to prove I was not the one who used the card.

I have been a card holder for 20 years. I DO NOT recommend this card! There is no fraud security, or accountability when fraud is detected. A few years ago someone was able to hack into my account and add her name as a user on my account. Then she called Capital One and was “allowed” to change my address, email, and phone number to hers, and asked for a new card. ALL RED FLAGS, you would think. The lady proceeded to charge hundreds of dollars at a Walmart, all caught on tape. When I called Capital One customer service, they reviewed the account, noted the fraud, closed that card and sent me a new one. All was good, until later when I noticed they had filed a 30 day late payment to the credit bureau. They will not budge, even though the fraud was their fault. Now I have a negative item on my credit file. My next step is an attorney.

I have been a customer for 15 months. I have two credit cards. I am what most business considered a millennial customer. I have an excellent customer history. Pay 98% of the time in full, however for the first time I paid my bill after 8pm which I did not know was the deadline. After 15 months first time I forget. Paid it on the date it was due by but just missed a time deadline by a couple of hours. As a result I did not get my increase on my new card. Which the rep I spoke to after the payment was made said would not happen. He even told me that he would refund my late fee which he did. I feel lied to and unvalued. I hate that I have no experience with credit and finance agencies and such. I don't recommend this company at all that do not value their customers and they lie and misinform. If you like dealing with poor customer service than you chose the right people.

I have had a Capital One credit card for over 3 years and took a cash advance back in 2016 for $103. I called today to inquire as to why I am being charged interest for cash advances when I have not taken any cash advances. After being on the phone for an hour and having the Capital One manual on interest read to me, no one has been able to tell me what my money is going towards. After dealing with the language barrier I am told that the reason I am still paying the cash advance interest fee is because I have not paid the card off in full. Doesn't a part of my payment get applied to the principle balance? If that is the case why hasn't that $103 been paid in full. I was tired of the aggravation and asked for the Consumer Relations Department.. The representative didn't know what I meant, placed me on hold and then disconnected the call.

I banked with WF for years, simply because that was the bank that my parents used and my very first account. Two years ago, I lost my job and started looking for ways to save money. That's when I discovered Capital One and decided to open a Money Market account with them, since a friend referred me and explained that I would get a $100 credit by signing up with her code, in addition to a 2% interest rate. I decided to try it and obtained $180 after the first 30 days of opening the account; $80 as interest, and $100 from my friend's referral code. I can't believe that I had spent so many years banking with institutions that only offered %0.01 for my money!

I opened up a checking account in May. Everything was fine until they didn’t have my social security number correctly because of a number missing so they locked my account. I had to send in w-9 documents confirming my identity like three times already. Each time I called they always needed the same documents or telling me that it’s still in process. They even made me have to call the social security administration office, the representative said that everything was fine, my records are clean.

Beware of this company should you have a credit issued to a closed acct. I am still waiting on a refund on my deceased father's acct that was electronically transferred to his closed acct on 4/18/19. I contacted them regarding refund on 4/30/19 and was told 30 to 60 days from the time I contacted them (not since they received the credit on a closed acct). I called today 7/5/2019 and the refund was processed on 6/29 but can still take an additional 14 days to mail. They charge us a horrendous late fee if we are 1 day late but can use our money for up to 3 months. Something is wrong with a company who treats their customers in this manner. I'm only one person but I am going to cancel my personal credit card and encourage family and friends to use a more customer service friendly company.

Opened up a brand new Capital One 360 checking account after being duped into believing how easy and simple money transfers and bill-paying transactions were. The account was funded through a relative's bank account in the amount of $10,000 ACH. Never even got to use the account. They immediately froze the account, would not give me any reasons as to why. They wouldn't speak to the relative even after confirming her identity. We went to the sending bank, same thing. They claim the transfer moved flawlessly, and once the money was no longer at their institution, there was nothing they could do.

I called to update my account information and after I provided all my personal details, they still asking me for a bunch of documents to send to prove my identity and locked my card. I spoke with several customer services representatives from all over India without any resolution, so I finished with my card locked and my data not updated.

Capital One sucks! They charged me interest after I paid the balance off in full. Last month they charged me interest which was my fault 'cause I didn’t pay it off fully but this month I did. I won’t be doing business with them again. I will pay off my card use my miles and cancel the card. The manager would not refund me a $6 interest charge after I put a $800 payment to my card the day before it was due! Last month they charged me $11 which I could understand in interest for not paying the balance off in full. But this month it is unacceptable when I put my entire paycheck towards Capital One! I’ve been a customer since 2017. They have not waived one interest charge for me. Other credit card companies I have such as Chase, Discover, Citi has. Do not do your business with Capital One! Plus I paid the yearly fee for the Capital One Venture card and they still would not waive a $6 interest charge.

I have been a long time member and, according to my record, have always made my payments on time and would pay more than the minimum requested. Although a member, I still receive "pre-approved"credit card offers from Capital One by mail and email, constantly. Now, that I requested a small increase to my credit limit, I was declined. Not because of late payments, bad credit score, or for exhausting my line of credit, of which I have not, but for these reasons--- "average" (not minimum) low payments, and too many recent credit inquiries. I am sure these are their legal reasons for declining my request, but, imagine if you come across an unexpected urgency and need a small increase... Capital One is not there when you need them. Very disappointed customer.

I called today Tuesday morning to ask one question- call was transferred to another rep. Still on hold for the last 45min. Could send you snap of my mobile showing the call time. It is still saying “ Thanks for holding - we are experiencing high volume of calls - A rep will be shortly with you.“ The first girl picked my phone was Hunny I believe.

My interest rate is an absurd 25.24%. I simply called to get my interest rate lowered seeing as I can only afford 150.00 a month but they are charging me 101.00 a month in interest and I will never be able to get that amount down at this rate. I am basically paying 50.00 on my actual account and it is barely budging while they are making over 1,000 on me a year. I have explained to them I am a single mom and have had recent hardships with medical bills and education bills and I have never made ONE late payment and have had an account with them for almost 3 years now. I was transferred 4 separate times on the phone. The second guy I talked to was so rude and basically asked me how do I manage being a single mom but not be able to make my payments when that's not AT ALL WHAT I SAID. He said there was NO upper supervisor that would take my call....

After reporting that someone was using my credit card, canceling such credit card, etc. I tried to get my new card number so I could inform my recurring merchants who are contacting me because they are getting charges rejected. I was kept on the phone 45 minutes - the first girl tried very hard but kept getting the wrong information, a second girl, Valentina from I.T. didn't have a clue about anything and when I finally got a supervisor, I was told that it was impossible for me to get that information until the new card arrived. Why wasn't I informed of that in the first place? Shouldn't agents know about this? I'm very disappointed and will seriously consider one of the many other credit card companies that every month request my business.

I have been a Capital One account holder for some time, my husband as well for over 5 years. I received an auto increase once for making on time payments. My husband hasn't received any increases the entire 5 years. My denials state too many inquiries which is absurd considering it's the lowest percentage of relevance credit decisions are based on. I use my card monthly and PIF every month. My credit score isn't perfect. It's a 680 but then again Capital One isn't a prime card. All my other cards have significantly higher limits especially my Discover card yet Capital one won't increase my line when I'm sure they see the much higher limits I have on my other cards.

Capital One Quicksilver use to be my favorite credit card for the last 20 years until now. For the 1st time I have a problem with one merchant and Capital One turn their back on me and support the merchant. Their customer service was so bad the only thing they know is to say, "sorry for the inconvenience," but what's even worse is that nobody on that company care about their loyal customers. Until now I don't have any answer from that company. I believe that is one of the reason that leaving this company and every time I have an opportunity I will let the people know how bad is their customers service care.

This is the worst company do business with. They do not take ownership. They have horrible customer service. Would never recommend this product. They employ rude arrogant people. They don't value your business at all.

Capital One does not care about customers at all. Without notice, they closed my account for inactivity. Spineless management, unwilling to work with customers, push customers away and just a terrible company. Being told my opinions will be noted and provided to management is nonsense too, they don’t care about anyone or anything even when it’s hurting their business and bringing negative attention.

After being a customer since 2012, I was suddenly told via email that my account would be closed to inactivity. I called and was told there's nothing they can do. Stupid decision. If they had told me it would be closed, I would have used it again to retain the account. Instead, they won't be getting my business and my credit score goes down. Lose-lose for everyone. Never get a credit card here or use Capital One for anything.

Everything was going great then all of a sudden my account was restricted that tells me one thing. They do not like VETERANS. After being with these people for so many years these people are very disrespectful. I advise people not to do business with these people. They won't even contact you. Very very poor customer service.

I have CLEARED funds in a Cap One Svgs A/C that they will not verify. I only asked for a letter stating I have the funds in my account. $50,000. that was wired, NOT an uncleared check and it shows all available on my acct. online. I needed a funds verification letter to be sent for a real estate purchase. This is VERY COMMON occurrence. Unfortunately, the cst svc agent was not allowed to do this simple request. After talking to a supervisor, she was unable also. I do NOT understand how this can happen with a national bank.

Our Spark Cash card was approved, but never delivered. Capital One support wouldn't discuss the issue with us unless they talk to CEO. Well guess what, our CEO has other things to do. They refused to put a hold on the card for our safety. They easily communicated via email before, but now it apparently was not possible. THEY DON'T CARE ABOUT THE SECURITY OF THEIR CUSTOMERS! I wish I never applied for this card.

I have been using Capital One credit card for more than 2 years and I maintain my account in good standards. I have other couple of other credit cards whose limit was increased without even asking. But, this is the only card which did not do any change in my account. The lowest credit limit card I have and the worst.

I was very hesitant getting a Capital One card because of the reputation. I got frauded within a few days of receiving my card. I only used it once online at home and never even took it out with me. After their investigation they concluded it's not a fraud because a pin was used. As if it's a hard thing to obtain for those who fraud.

I went over my limit with these guys, and after paying quite a bit more to rectify this, I still had no available credit, even after it said I did. I didn't understand why so I called, the representative misunderstood me twice saying that it takes 2-3 days for the payments to show up, but they did already, and I just just wanted to know why I couldn't access my credit. It was painful, and I was getting frustrated. So we end the call with no resolution. He said try again and call back if it doesn't work.

I paid off my online balance in full. Then I find that I am build interest after having paid it off in full. They charge interest by the day I found out and while they prorated it they refused to eliminate the $6.36 charge even though it's a small charge. Talk about greed when somebody makes an effort to pay off an account and still gets charged after the fact. No other credit card company has done this to me. Stay away from this company.

I have been a customer since 99. Today I noticed my APR was 30% so I called for a rate reduction. My credit score is over 700 with income over 100k. They said the rate is set from when I opened the account not current credit worthiness. My rate is higher than the cash advance rate. This is a card I use for everyday purchases but they refuse to help. Shocked they would treat a customer of 20 years like this. I was only asking for the rate my other Capital One card has, nothing special.

Absolutely horrible customer service that do not know what they are doing. When I applied for the card 4 months back, my initial credit line was $1000. I have 750 credit score and my other credit card has a lot higher credit line. After couple of months, I called Capital One to see if I could get them to increase the credit line. They told me only way to check if I am eligible for credit line increase is to do a hard check. Normally other credit card companies can check right away without hard inquiring. Knowing how my credit is, I thought this wouldn't be a big issue. Guess what. I was denied and was told I have no credit history and will not be able to increase my credit line.

The worst service of all credit cards I have ever used. I called them so many times about interest charge waiver and they said they can waive it if I call them back. I called again and again but finally, they did not waive. I would never recommend it.

TOLD REP AND “SUPERVISOR” I WAS UNCOMFORTABLE SHARING BANK INFO. Capital One has the worst customer service! Unless you speak Japanese or feel like having a conversation with a toddler, spare yourself the headache of dialing that useless number on the back of your card!! Do yourself a favor and just start a conversation with the wall!! It’s much less frustrating!!! It’s a sad day when a virtual assistant is more competent than a human being with a brain... Or maybe like KFC with chicken???? Perhaps they grow their customer service team in a lab somewhere, no brain included????

Do NOT get a Capital One Visa credit card! They are scammers! I was 3 days late on my payment because I honestly completely forgot about it. I work 7 days a week and have 3 kids and I’m just always on the go. Anyway, they charged me a $25 late fee plus they charge a $10.35 interest fee every month on top of that. I called crying because I have kids and that is taking food away from them and it’s money I do not have. I have never been late in the almost 2 years I’ve had this card and they refused to waive the late fee. Robin was very unsympathetic and could have cared less if my kids starved or not. Do not, I repeat do NOT give them your business! You will regret it! I know I definitely do!

Their credit cards offer no customer protection whatsoever. Their dispute process is a joke. They refuse to do a thorough investigation into any dispute and just make up any excuse to deny the claim. Just hope that you don't run into a situation where you need to dispute a charge. Otherwise, you are on your own and they will not make an effort to help you.

I did a survey at Costco and they asked for my card to pay for my free gift. I never received anything from this company but Capital One charged me. I called and informed them it was a scam and they removed the money, only for a month. Then I was charged another 370.00 charge in April. I called and canceled on April 8 and on April 9 they charged me again. I have been fighting with Capital One for 3 months and they are supposed to be on my side. I have to cut up my card to stop them from changing me any more money (unbelievable).

After I married and reported to Capital One my new name and address, they blocked me from access to my account. I cannot see nor pay any charges that had occurred in the previous month nor can I get access to a refund of $65.00 from the US Postal Service that had been credited to my credit card. My phone calls are answered by representatives outside the United States who have required I send them photocopies of my Social Security card (I've verified the SS number), Proof of new address (don't know what they want), and they have illegally asked me to send them a photocopy of my new Georgia Driver's license.

My complaint is regarding: Kimberly ID#** as well as the company. After being in banking for over 9 years in management it was literally the worst service I have ever received. Not only was I told no about any and all requests from an annual fee being waive to getting an upgrade due to my credit score, loyalty, tenure, and income, but was told that there was no one in your company with the power to do anything about any of my requests and I was SOL. It’s great to know that after having a card for over 7 years which has a limit 7000 lower than even my worst other card, my only card without rewards, and my only card with an annual fee that I was then treated poorly and just repeatedly told all my requests were “impossible” despite being a manager and making these requests happen several times myself.

I think it is sad, I been a customer for over 30 years and I ask a customer service women there for coin wrappers cuz I have A LOT of change to wrap to put in my account, and she told me no, they didn't have enough for me, and I had to go buy my own... I been getting them here for years, and now they didn't have enough for me, go buy my own, such rude people, gonna pull my account yall...

I recently got a new credit card. I failed to activate it online. I then called customer service. The agent asked for all pertinent details for identity verification such as SSN, DOB, etc. which was provided. Then after keeping me waiting for eternity, he wanted me to provide driver's license. This was a ridiculous demand which, in my experience, no other credit card company has ever asked for. As a matter of fact, their card activation process is extremely simple and sometimes automatic by dialing a toll-free number. In frustration, I asked the agent to cancel my card which I no longer wanted to use.

I have been recently having issues logging onto my account from Capital One's web page. Reference: **.. I called Capital One and after being transferred multiple times the operator said "let me get you over to someone that can help you with that." I was transferred to the call hanging up. After the third call I expressed immediately the runaround I was being put on and asked that "if you must transfer me PLEASE put me through to the right person." I was transferred to a computer that wouldn't let me get to an operator. Garbage customer service! If I could put 0 stars I would.

This location only has Mexican employees that know nothing about customer service. Did you know they don't cash payroll checks for their own members unless you have the money already in the account to cover the check. Why have a bank if they won't cash your check on payday. Ultimately they told me they do that on a case by case issue meaning they did NOT do it because I am **. I asked for a Manager and of course he or she was not in today. Something has to be done because ** people are being mistreated at this location and denied service. OH and did I mention they called security on me the account holder. I will be cancelling my account!!!!

Received pre qualified offer with application codes. Nowhere did it say this was a hard ding on the credit score. First, I was denied, then checked my credit score and it went down 16 points due to this. I'll never recommend Capital One. Will never trust them again. I worked hard over the last year to raise my credit score in order to get offers like this.. Now, I'll trust no bank! Run, don't walk from Capital One.

As a card holder for over 30 years, always paying on time we decided to close some of the revolving credit accounts when we retired. I contacted Cap 1 on May 13, 2019 requested PAY-OFF amount through May 22. On May 15 I mailed the check to Cap 1 to pay off card, the exact amount they said would pay off the card. I kept checking to see if payment had been applied. The pay due date was May 22, and my check had not been credited. I called and basically was told that the checks are opened, scanned and applied by equipment not people. That occasionally it eats paper. That I need to call my bank see if check had cleared, if not cleared cancel check and pay online or send another check. The bank said it had cleared, so I called and gave the banking info, they said they would have to research. They also said they would make a notation on the account. The entire time I feel like they don't believe me.

I have been a loyal Capital One customer for many years. They helped me build my credit starting in college, I have always paid my bill on time, I have never had an issue with fraud until several months ago. I reported a fraudulent charge and received a new card and life went on. Later, they sent me a letter saying they had investigated my claim and had found no evidence of fraud. I am an honest person. I am not trying to steal $180 from Capital One, but despite my excellent history with them and their supposed "Zero Percent Fraud Liability" policy, they decided my word was not good enough and placed the charge back on my account.

I was not informed about the switch to Capital One from Bank of America for the Bass Pro Shops card. Therefore I sent my payment Bank of America as usual. As soon as I was aware of the bank change I paid my balance in full immediately. Due to new purchases on my next statement a 38.46 unpaid balance resulted in 98 in finance charges. Why would anyone knowingly not pay $38. When I contacted Capital One to explain the mix up I was curtly informed that no interest would be adjusted. I can not believe banks are not required to have a burn in period when the store changes banks for their credit cards. I would never knowingly have an account with Capital One!

Be very careful with Capital One! Even though they say they will be in your corner, that is not the truth. I took a taxi from JFK to Manhattan, which by law is a $55-$65 dollar taxi. I was charged $345. I immediately took my card without signing, nor did I give my 3 digit security code. I immediately called Capital One and they did nothing, other than support the crook. I am filing an official complaint with AG and BBB. Capital One should do a much better job of supporting their clients.

I just want to acknowledge Capital One for the customer service I always receive. They value even the little people and the interest rate I pay 24% or something like that doesn’t even bother me because It is a small price to pay for great care. They always fix any issue — fast on unauthorized charges even crediting your account before determining your disputes validity.

My payment of $3,500.00 was due on the 24th. I was traveling and I made my payment on the morning of the 25th and paid it in full. A month later I noticed an interest charge of $142.00 and called them. They said that they do not care that it was paid in full and that they will charge interest for two months. I said, "Why would you do that. I do not owe anything on the card. It is paid off." They said this does not matter. They will charge interest for two months. I asked them to waive the charge and she said no.

First off, please read my complete story before making your decision. I started with Capital One back in '08 and loved that they were helping me fix my credit and of course I paid my monthly dues on time at which I was employed. Come in 2016, I fell ill and lost my job but still managed to make my monthly dues until I could no more. I struggled to make ends meet for a yr. I finally landed a job and caught up with all my bills including Capital One. Needless to say Capital One placed me on restriction for not making a payment for 120 days last yr in April 2018, which I did not receive any notice of. But since April of last yr I have made more than my monthly dues to finish off my installments sooner.

I had gotten frauded for 1500 dollars and at the end of it 2 of their employees both told me, "Sorry it's your problem. We are not going to help you." Worst employees ever. They were both extremely rude and didn't even care to help me. Anne Marie - employer no. **; Vladimir- manager ID **.

I put Zoosk services on hold and did not login in or use their services. They continued to bill me because they say you have to pay even when your account is on hold. Capital One agrees that you should. What's the point of putting account on hold if you still have to pay. I had to cancel credit card to ensure that they stop billing me after cancellation. If you want a credit card that looks out for you, then my opinion is don't go with Capital One.

The customer service reps are ill informed and give wrong information. I have just become a customer and regret applying for a line of credit with them. Since applying for the card, took 20 points off my credit score. I really have no other choice than to keep the account. GO ANYWHERE ELSE BUT HERE!

Capital One mailed my bill to the wrong address 3 months in a row so I did not receive it. When I called them and discovered the error, I paid the bill in full and canceled the card. Three months later they began billing me for late charges with interest which totals over $200 now. My credit score began to plummet. I filed complaints with the credit bureaus and provided copies of the 3 bills with the wrong address. They made no ruling and did nothing. Then I called Capital One to plead my case. I sent them all the appropriate documents as requested. They responded with a very short letter stating none of it mattered and they would make no changes to their actions. I will NEVER do business with this company again and I recommend others do the same. They have customer service in name only.

Capital One is the worst credit card to have, they have all these hidden fees. They aren't upfront with the interest they charge. Make sure to read the fine print on your interest rate. Oh and if you call the customer service department they don't have a complaint department. You can speak to the manager and they claim they will escalate, and there's no one to follow up with, which leads me believe NOTHINGS happens with complaints. They really do not care about their customers.