Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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...

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.

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.

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.

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.

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.

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.

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????

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.

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.

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.

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.

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 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.

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.

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 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.

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.