Capital One Reviews

They have asked me to send a picture of my drivers lic. over the phone for everyone to to see. Never send your lic. over a phone. All IO wouldn't is to know how much I owed and when my payment was due. Then I found out my account was restricted can be used. Just got my new card a couple of days ago. Do not go there.

I had a similar situation as another reviewer. I deposited my paycheck through the app. Capital One determined it was high risk and froze my entire account (all funds, not just the deposited check). I have spent more time than I have on the phone and with the online chat trying to resolve this issue. They have offered NO assistance and say they need to verify my employer, but have made no effort to do so. As a previous reviewer said, they are holding my account hostage. This issue has yet to be resolved and I cannot access any of my funds at this bank. I do not recommend banking with Capital One. This has been a nightmare.

Someone, and I think it was my ex-husband, reported the card as fraudulent. He had all my information and pretended it was me, so my account was frozen. Instead of actually utilizing the contact information that Capital One had on file and saying, "Hey, we have a report of fraud. Is that correct?" They simply chose to freeze me out of my own account. The way they handled this situation is despicable. They don't care about their own customers. I have every single authentication and verification that they need and I am the account holder. Yet because someone claiming to be me reports it as fraud, I'm the one left hanging out to dry. Fine, Capital One. Claim the whole damn account as fraud and I won't be liable for a penny. Good luck to you.

Capital One froze my entire bank account due to a check I deposited that they said had an increased risk of fraud. That is not my complaint, I understand that part. However, I contacted them and spent an entire day trying to get it cleared up. I gave them the phone number of the person that wrote me the check and they called and spoke with them. I sent in a picture of my driver's license, everything they asked for. I was told that is was cleared up and I could use the account again. Well, when I tried to buy groceries today, the account is still frozen. Not only the amount of that check, but the entire thing including my other deposits. They said there is nothing they can do. They are holding every dime we have hostage for some strange reason. They can not even explain why. I have wasted a substantial amount of time dealing with this. They have not made any attempt to help me with this problem. This is by far the worst banking experience I have ever had.

If you're looking for a credit company that takes care of its customers then look elsewhere! I disputed a charge with Capital One for $1,935.00. They gladly credited my account for the full amount and I thought, "WOW, that was easy!!!" A month later and boom the bombshell! Capital One REBILLED me for the full amount of $1,935.00. When I called to ask what was going on they claimed that they will ALWAYS credit their customers, regardless of the elapsed time between purchases. But what they don't tell you is that if your claim is passed 120 days then you automatically lose the claim because your claim doesn't meet the TIME parameter. THEN WHY ACCEPT THE ** CLAIM!?!?

For months I have been getting pre-approval letters from Capital One Quicksilver. I decided to apply with a 780 credit score and over 100k in liquid assets and was denied. Scam. Why pre-approve me to deny me and put a hard inquiry on my credit report. I would not recommend. Something is seriously wrong with them. Don't fall for their marketing ploys.

I have had a Quicksilver account for years and used it off and on as needed. I decided to restart all my charging through them. I was able to get online and update some information yesterday. I went to the grocery store today and used my card. It was rejected so I used another card. When I arrived home I tried to contact them. Could not find anywhere for email contact. Just telephone numbers. My spouse recently passed away and I stopped telephone service to get rid of robo calls and people asking about my wife in my grieving period, leaving me with PC for contact. If I cannot notify them of card refusal, guess I don't need this card.

I have this card for business and charge $3-4K per month and pay my balance in full every month. In April I accidentally paid $3,424 instead of $3,442. I underpaid the bill by $18. So they assessed me $45 in interest for underpaying by $18. I accepted this because it was my error. So in May I paid my $4,353.60 bill in full and have another $47.84 interest because it needs to be paid off 2 months in a row to avoid interest. So for accidentally underpaying my bill by $18 I have $90 in interest charges. I think that adds up to about 550% interest. I called customer service and asked them to at least waive the $47.84 2nd month interest and they refused. So now I will be using my Amex and Citicard for my $4K a month in business charges instead of Capital One.

Three or four month ago I applied for one of their credit cards but never agreed to the terms and I'm not their customer and never been. Since that day, my wife (I didn't give them her name though) and I are getting one or two fancy marketing mails EVERY DAY, every each of them going to the trash - a funny ritual for our baby. So, roughly $100-$200 have been already lost on a family which has obviously decided to stay away from the company, and they did it a long long time ago. To me, that's an extremely bad marketing and management, and guess who's paying for it? Their existing and potential customers are.

I have a Cap One M/C, I recently used it to buy tix to see Madonna. when I found out my request for Madonna tickets had been approved, I received an alert from Cap One that my cc was charged for $X, when I checked my account the $X increased by $71.06. I called them to clarify why I was being charged more... After being on hold for quite a while, Maria came back to tell me my amount in the alert charge doesn't mean that's what they are charging? It took 2 days for them to post the charge and the exchange rate changed so now the charge is more. I argued that just because it takes them 2 days why should I pay for that?

Capital One charged my bank account twice for my April monthly auto-payment. On the day of the charge I called immediately because my balance was $1,153.69. So I had essentially had a $2,307.38 charge to my checking account. When I called on Monday (day of charge), I was assured this would put back on by Friday, which seemed reasonable to me. Saturday I noticed there was no refund to my checking account so I called again, and the woman on the phone told me she was going to "reprocess this". Finally, I called again today (Tuesday) after getting my student loans notification that my auto-payment was going to be processed soon - which means if my student loans company draws the monthly $600, there will be an overdraw and overdraw charge on my checking account.

The Capital One staff have been great to reverse unexpected late fees and have been very understanding. I am a converted Costco supporter who in life decided to join the rest of the world to earn dollars for purchases. I cancelled my MBNA of 14 years to join CapitalOne to carry one card for Costco. My limit was very secure with MBNA but I was only awarded 3000 for Capital One. Capital One did not solicit my business. I volunteered and was offered no perks.

Capital One are scammers. They open account without my permission. They have use my social security, and post late payment on my credit report. I’ve never open account with them. Once I find out on Credit Karma the day of opened two accounts on my name, I called them and they’re saying “oh we are so sorry. We will close those accounts if it wasn’t you.” Eventually they close one account and the other account they’re saying they don’t see in the system. They’ve got me in trouble. I couldn’t take apartments on my name. “The supervisor is busy.” There is no one to talk with. If they’re not going to clean it on my credit report I will sue this bank. Quick advice for you guys, record them. The service they give is ridiculous.

My payments fell behind due to personal issues, so I set up a payment arrangement to get back on track. My card was fine and they said everything would be ok as long as I paid as agreed. I did just that and got caught up and now they have restricted the card. Called to ask why and they said because I fell behind in payments and explained to them that I followed the payment arrangement and have been making on time payments since then and below my credit limit by a lot! They said my restriction will not be removed and may just stay on there until paid off while at the same time they still are able to charge me interest each month?? Why aren't they restricted from charging me interest if I cannot use my card? They said even if it restricted they can still charge the interest which is ridiculous since my card should have never been in a restricted status in the first place.

Worst Bank In The WORLD! In May 17th, 2019 I logged in to my Capital One accounts, only to learn that both of my credit cards were “Restricted” which means closed. I call in to customer service, and no one has any answers why, even the supervisor can’t find anything. They can, they just can’t say. So I’m transferred to this voice mail from the “Executive Office of Resolutions” nobody answers, it’s leave a voice mail and someone will call you back. A few hours later, an email from the 360 banking dept. “We are closing your account” again, I called, no explanation. It would seem Capital One made a business decision to end the relationship.

Worst customer service. Capital canceled my card without telling me and never sent a replacement. Found out after my card was denied repeatedly. Their solution a senior acct. specialist by the name Edgar, was to ship me a card next day. Great this was on Thursday so he says it will arrive Monday or Tuesday of the next week. So case in point no customer service no legit solution and they themselves had the fraudulent activity by replacing my card that I never agreed to it or requested.

I have had 2 Capital One credit cards for 13 years. I have been paying an annual fee on both since I’ve had them. I decided to call and see if I can have my cards converted to ones that have no annual fee. I was told that in 2006 when I got them I agreed to the terms and conditions. I agreed that I had however as a long time customer I wanted to see if they could reward my loyalty over never having had any late payments. I was told that “there are no upgrades available to you” and basically it is what it is. So I could apply now....as a new customer and get a card with no annual fee but since I’ve been a long time customer I’m stuck with the fee? This is a terrible message you’re sending to your long time customers. Why am I showing loyalty to a company that doesn’t show any to me?

A little over a year ago I applied for a Capital One credit card. I was approved and sent a card. Upon arrival of the card I contacted Capital One. I told the representative over the phone I was no longer interested. I asked for it to be noted on the account, to close the account and I was mailed a letter stating the closure. Fast forward to today, out of the blue I received a statement. It showed my line of credit and a zero balance. Immediately I contacted Capital One. After going round and round with the manager on duty the card was closed. Not one time in over a year did I ever receive a statement of any kind. I had no relationship with Capital One. How is this even possible and how can I trust this won't happen again?

I've put well over a hundred thousand dollars through this credit card over the past 10 years. In this case, I bought an item which arrived not as described (broken). Filed a dispute, got a chargeback. The seller got 45 days to respond. On April 10th I saw that this charge was rebilled on April 01, called in and was told that I only had until April 23rd to respond (which means that even if I saw this right away, they still only gave me 23 days vs the 45 days the seller received). I said that this can't be right and that I would dispute this discrepancy once I received an actual letter statement to this effect from Capital One. The letter arrived on April 17th and stated the case was already closed! So the seller got 45 days to respond, I was told over the phone that I would get 23 days for my response and then by the time an actual letter arrived 17 days later - the case had already been closed!

On May 8 I was browsing through my reward points looking at pricing for a potential vacation. I was doing some comparisons and mistakenly clicked to redeem 44,000 points with JetBlue. Immediately after I realized my error I contacted customer service at Capital One to alert them of my error. In conversation with the level one rep they understood my concern but we’re unable to assist. I then requested to speak to a manager and was transferred accordingly. In conversation with the manager he stated that there was nothing he could do to correct the issue. When I asked to speak to his manager he claimed there was no one higher than him then I could talk to. He was a little rude in his tone and suggested we contact JetBlue directly.

If you plan to open an account and use it right away, this is NOT the choice for you. I opened a 360 savings account 1st, on 05/02 and transferred $5 from my already established non 360 checking account. They do the verification with 2 small deposits into your current account to verify. This finally happened on 5/7. I verified the amounts and thought ok cool I'm good to go finally, and transferred a larger amount. I had opened a 360 checking account in between transferring another $5 to start. I read up online and kept seeing check deposits are usually available the next day. So I went ahead and deposited my paycheck into the 360 checking. Nope, they are holding my paycheck for a WEEK before it will be available.

Omg, I just had the worst day dealing with Capital. Few days ago I used my card purchasing online. Then notice from the company that I purchased from stating I was denied. The another company stating I was denied. So then I finally called Capital One asking them why I was denied? Then the drama start. Questioning all kinds. Wtf. I was just using my card to purchased online. What is the credit card for. I look up online. I did not see anything suspicious charges. I verified my purchased to the Capital One agent.

I spoke to a gentleman I believe his name was Kerry? Or Terry? Point is he was absolutely amazing. I was helped as soon as I found out someone else was using my card. Even though it was 11:30 at night! I have never on the phone had someone as helpful professional, and just plain awesome at handling a stressful situation for a customer. He reminded me multiple times that everything will be alright and that Capital One will take care of everything. His kind words and EXTREMELY professional demeanor were refreshing and amazing to see. He definitely deserves this review, and represented his company so well that I have a completely new view and will be keeping my card for a very long time. A++++++++ service! Thank you!!!!

Updated on 06/10/2019: I tried a couple more times to reach a supervisor and one was never available and they claimed I could only speak to a supervisor. They made no effort to speak to me and threw up roadblocks every step of the way. I wanted to try to get the late fee removed. So I cancelled the credit card online before they could not harm my high credit rating. Got a new one from CitiBank ASAP. Fortunately my payment was only a couple days late so legally they could not report it unless it was over 30 days late. Never do business with Capital One. Horrendous treatment of an excellent customer.

We closed our money market account to move to a bank with a better interest rate. We waited 11 business days for our final check for funds held. I called and they could not even tell me if they mailed the check but they would have to take 3 days to stop payment and then take another 10 business days to issue another check which they would NOT send with tracking so NO ONE could ever prove that they ever sent check.

They just don't care... they will tell you that all they can do apologize. The only one that can make decision is the president of the bank Michael **. Actually the last Customer Representative I spoke to Monae ** told me that the only person above her was the president and she was only allowed to apologize for the terrible service.

WARNING! SCAM ALERT! DO NOT GET A CAPITAL ONE CREDIT CARD. If you make your payment early they charge you twice. I just got a card from them on April 14, 2019. My first payment was not due until May 28, 2019 so I decided to make my payment early so I wouldn't have to worry about it at the end of the month and made my payment on April 25, 2019 for more than the amount due. Now they are telling me I still have to make my first payment on May 28 even though I already paid it. That is like paying your electric bill early and then when the bill gets there they charge you for it again. Capital One is a rip off.

I have been with the company for 2 years and got about it $200 increase. I have never been late, I've paid my card off in full several times and have built my credit to over 650 from under 550. I just got a $15,000 line of credit from a different company but they won't even increase me to a $1000?!? It's pitiful and it's sad. If it wasn't for me trying to get a home I would cancel this crappy card a long time ago!

Everything I was promised re this co has been a 100% LIE. My balance was always at zero, and I have automatic payments. For NO reason, I could not use my card at my local, regular grocery store. HOURS of calls later, to reps & managers who REFUSED to escalate my call yet could NOT speak fluent, understandable English, I finally got a woman who gave the most ridiculous excuses re why my purchase was denied ie it was an unusual sale. NO, it wasn't.

I have had an issue with accessing my account online for several months now. I've called back well over a dozen times to get help with this. ZERO support has been given. There have been numerous excuses and promises to fix the issue and I've been told to call back in a week. Capital One does not return phone calls supposedly. It has been a very VERY frustrating issue and rather appalling at how little Capital One cares on fixing an issue with their products. This Credit Keeper app keeps trying to get me to sign up. It has been horrible. I would not waste my time with such a terrible product.

For years I never obtained a credit card due to my credit score. I kept getting all these ads in the mail for preapproval so I finally decided to apply due to me going out of town. Was approved for $300 credit limited which I was grateful. I kept trying to sign up to pay online and it kept saying can’t verify. So I called to made a payment and asked about why I couldn’t pay online. He asked for my Social Security stated that my Social Security number was inputted incorrectly per Capital One. He proceeded to tell me he would have to get me over to the fraud department. Mind you I was not happy with the customer service person. She kept me on hold for 45 minutes. She stated I would need to verify who I was. Sent the information.

I called in last week to verify the debit card I had active from a previous Capital 360 checking account will transfer over the recently new checking account that I opened and was told by a customer service agent that it will. So I called again on 05/02/2019 to verify that the card will work because I will be receiving my direct deposit on Friday and was informed by a different customer service agent that it was closed and could not be reopened.

I received an invitation to open a credit card account with Capital One. I applied and was approved. Fast forward 6 months, in that time, I ended up getting a new phone with a new number. I went to pay my bill for its most recent cycle. Upon using my new phone, it did not recognize my IP address. The only way to sign in was to verify from my old phone number. It is not in service. I call the number provided. Fast forward almost an hour of being on hold, they could not authorize me to change my phone number. I do not have an I.D. Granted, they never bothered asking for one when I applied and was approved. I got this credit card without an I.D. I am 86 years old. I don’t drive. I have no need for one. So I have been making due as is.

Capital One gave me a second chance when nobody else would with a credit card with a $300 limit, and after 6 months of my prompt monthly payments they raised my limit to $500. Later I got an offer for a car loan (which I desperately needed)! Thank you so much to Capital One for giving me the opportunity to rebuild my credit and my car loan when I desperately needed it!

Applied for Spark business credit card, received the card, told them had to have paper statements mailed to business, instead statement was received online. Bill was not paid on time because they screwed up, charged late fee and interest charge. Next month more problems. Long story short, bill got paid twice. I cancelled card. They sent info to collections dept. Now they say I will have to wait up to 90 days to receive a check for 2100 dollars that was overpaid. Chase credit cards are the way to go.

Saw ad on TV for Savor card. Applied and got the card. Used it for five months, and was able to get great $$$$ on Rewards as I purchased Season Tickets for Cardinals baseball. Out one day, tried to use card and it was declined. Called customer service and was told the account was closed, and decision was not reviewable. Was given no reason for the action taken, and was told I would receive a letter in the mail, which after a month I have not received. Only thing I can guess, is they did not like the $$$ paid out, as I did not carry any balance, so they got no interest income. If they want to offer the 4% then live with the cost of the offering. POOR way to treat a customer!

I have a checking and 2 savings account with Capital One. Yesterday I made too many transfers from my savings account to my checking account. This resulted in Capital One closing my savings account, they transferred my remaining balance to my old, closed Bank of America!! You would think that they would bother to notify me before taking this action and may transfer my money into one of my existing Capital One accounts. The lack of communication is appalling.

Apparently Capital One is suppose to notify you if you have reached or are reaching your withdraw limit from a savings account. Never received a email or text alert as they claimed on the phone is suppose to happen. I logged into my account today to check if a transfer had gone through and found out they had closed out my account without notice. I would as they claimed be getting a check in the mail in about 7 business days. However, I live in an major city where both packages and mail get stolen all the time and this check for several thousands of dollars won't require a signature. I have had this same account for over 10 years and I will be promptly switching banks. I personally think it's bad business closing a large sum account with no notice.

At its inception, I applied for and received a Capital One Savor Card. I heavily relied on the fact that this card was conceived and promoted based on the fact that it provided its users the ability to earn 4% Rewards on purchases of "DINING and ENTERTAINMENT". I have now found out that "category code" that the merchant supplies Capital One, determines the reward level of benefits that the Savor Card will pay the cardholder. Specifically, two of the merchants among many others, that I question are NETFLIX and DIRECTV. These items were classified as "phone/cable" not Entertainment! My purchase of both Netflix and DirecTV were purchased directly from the merchant and included no phone or cable cost packaging. Both of these merchants now pay a rewards of 1% not 4%!

Capital One credit card for approximately a year and a half. The first payment that I made unfortunately bounced because the bank that I was using the prepaid debit card they charge me a drawing of use and sometimes when I made my payment if the company didn’t take the pay within five days they would take the fee at the bank and then leave it short. The debit card even charge me a dollar to call for questions. My account showed the payment posted and they doubled my credit on the card and I spent it because I didn’t know that that it happened and that happened the very first month.

I recently was injured off my job. I will be out of work for three weeks. I contacted all of my creditors including Capital One. I was able to defer all accounts but Capital One. 44 payments on time, 3 car loans, 0 bal, 3 CC 0 bal. They all tell me the computers are making the Email rich.fairbank@capitalone.com. Telephone 703-720-1000. Switchboard 703-720-1000. Website https://www.capitalone.com. No help or word from the CEO. Sold my stock and contacted news media and BBB.

I went online and printed off Capital One's Hardship page. I was very encouraged to see what they do for their customer's who are having some financial difficulty. I called my 2 other credit card companies first explaining that I had 7 documented disabilities. I had been denied disability only because the judge had a negative relationship with my physician. My case is now in the US District Court & it could be another year before the judge reads my Brief. I said I needed some help since I have been waiting for Disability for over 7 years. I have never had a late payment in over 47 years. Both companies helped me more than I ever thought they would.

I have been a loyal customer of Capital One Bank since the time they took over Chevy Chase Bank. I recently had major fraud on my account. I was told the investigation would take up to 90 days. They came back in a week denying my claims. I then called again and asked them to reopen my claim. Initially they told me they were not going to reopen it. Every time I have contacted Capital One they have given me the runaround and have not done anything to correct this issue. I also asked were cameras looked at? Their response was we don’t always review cameras and they hadn’t looked at them. This is the worst customer service I have ever received. I plan on closing my account and going to another bank that takes care of their customers.

I signed up for this Capital One Platinum Mastercard back in Sept. 2018. I had recently been discharged off chapter 7. This card had no annual fee. No high interest rates. And the plus was it offered a credit increase after 5 on time monthly payments. I had paid this card off every month. No little amounts. PAID IN FULL each month. Back in March, I noticed that I was still at $200.00 available credit. This actually hurts your credit because 1. It's such a low balance that every time you use it, it will show up as 78% used credit showing that your over using your available credit. So, I was told that April is the month that I would receive a credit increase. Well, here it is April and what do you know? No credit increase!

Made a charge on April 8 2019. I paid it off. On April 27 they charged me again. I called them. They said it only posted on the 8th but charged on the 27th. I explained I already paid and I asked how it was dropped off so I could not see it anymore. They did not explain this to me so I canceled the card. These people are shady. Be very careful doing business with these people.

Capital One is the best credit card company you can have a card with in my opinion. They approved me for a platinum card with only one credit score out of three. Anytime I have any questions ever and call Capital One, they are extremely nice and answer any and all questions. After only 6 months have the platinum card I called and they upgraded me to the Quicksilver card without even having to do another inquiry. I just love Capital One!

A car loan that was paid off in 2016 had a lien with Capital One but never released with the state of Kentucky. The local Jefferson County Transportation Cabinet removed form TC 96-187 from the State website because of form hacking. The local DMV requested Capital One to call the DMV for obtain the form TC 96-187 directly from them to complete and fax back.

I got a Capital One card in the mail. My last name was spelled wrong. I called them and they put my card on hold. I had to send 3 forms of ID. I did little by little. They said they didn't get them. Then the last time I called they said I needed to send all my documents to them again. They lost them. Then one time they did call they said a few words and hung up on me. I spend money on sending them IDs. All I wanted was new card spelled right. Not happy at all.

I carry Capital One ASPIRE card and pay annual fees of $150. I've had this card for several years and paid all my bills on time. All of sudden today these scam artists block my card. I called to follow up and they told me they ran a credit report and some inconsistent info is showing up on my file and they refuse to confirm. Now they need me to send in 2 pieces of government issued IDs, proof of address and such. I need to re-confirm my identity. They claim that they tried to contact me several time, which is completely inaccurate. Never seen a call from them. They just blocked my card and waited for me to call them. What I been told by others is they're purposely trying to piss people off who are using their ASPIRE cards with good benefits. If they give them hard time, they will go away. Exactly what came to my mind so their plan is working... NOT.

Less than 2 months after opening a 360 money market account with Capital One I received an email informing me that my account was being closed for not having met requirements of the account. That is incorrect so I called the bank and was informed that my account was being closed for “business decision” and that they are terminating their relationship with me. No reason was given as to why. I understand that they have a right to terminate and close accounts for whatever reason however even a business decision would have a solid reason for this. If a bank plans to close an account in good standing then they owe the account holder a proper and factual reason for closing said account. All in all a very disappointing experience and definitely would not recommend business with them.

Two nights ago, upon realizing I was a day late with my Capital One payment, I called a payment in on my phone for $100, which has always been foolproof. Surprise for me next morning to get a confirmation email from Capital One for my payment of $2100!! Called the company to cancel the payment and pay the $100 I wanted to pay, and was informed I couldn't stop the payment. I am living on a fixed income, and I would be cleaned out if this went through, with payments into my checking acct being cancelled, and bounce-check fees left and right. My option was to call my bank and put a stop order on the payment, which has a hefty fee attached. Also, I can't pay my Cap One bill out of this account for 6 months (?). So, the repercussions will make it hard to pay this bill for half a year. Called Cap One as a courtesy to explain this, and the representative didn't understand why it would be a problem.

Capital One Bank is shady! I just canceled my card. Don’t let these greedy bankers do to you what they did to me. After years of never missing a payment, they un-enrolled me from auto pay and didn’t notify me until I was delinquent. No emails letting me know. Dropped my credit score over 120 points. All for a $38 dollar late fee. Not even a tank of gas for the CEO’s helicopter. Don’t spend it all in one place, **. They fooled me once, NEVER AGAIN!

DISCLAIMER: The following review is MY OPINION of the events that took place from last night through today and MY OPINION of my experiences with Capital One support, website, and services. I am not responsible for anyone else's decision as a result of my writing my opinion below. By reading this review you agree to the above terms. Last night, I received an email from Capital One stating that someone has requested my account username. I navigated to CapitalOne.com using my saved favorite and changed my password from a 29 character random password to the max (only 32 characters allowed) randomly generated password.

I am customer since 2011 and very proud to be a Capital One credit card holder. For the first time, I been in a situation which I did not know what to do. I decided to call Customer Service help center and I lay out the problem and they work it out with me step and step to reach my goal. I will recommend everyone to do business with CAPITAL ONE, or be a card holder. I am very satisfied and proud to CAPITAL ONE card holder. When you deeply need it in your darkest, they will make you see the light. Once again, thank you CAPITAL ONE, may God bless your business.

Called to replace my card with no problems. Then instead of a new card I received a letter telling me they decided to close my account. I opened it a year ago. Never late. My credit score is over 700. The letter said it was 550 which is a lie.

Capital One increased their miles so I earn 1.25 miles per dollar spent. It used to be 1 mile per dollar. This would be a great benefit that they advertise all over the place. The problem is they also increased the points needed to redeem the miles on most items by about 25%. It is extremely deceitful to me, and I had many points earned at 1 per dollar that now will not allow me to redeem for as much rewards. For example I previously could have got a $100 gift card for 10,000 points. Now it is 12,500. Now I will have to spend more points to get the same gift card. I am very disappointed with this company and will be cancelling my card. There are many, many better options available.

I was logged into Experian to look at my credit. There was an ad that said that I qualified for a Capital One Visa. I clicked O.K. and they sent me a Visa. I never used it and 3 months later I get a call from them telling me that my account was overdue and that they had sent me 3 bills that I did not respond to. I get credit card solicitations in the mail almost every day. Since I had not used the card I wasn't aware of the fact that I owed them money and didn't recognize the company when I received the bills so I must have shredded them because I didn't think I owed them anything and mistook the mail as a solicitation. After all, I had not used the card.

My account was behind and I tried to make a payment plan with a debt consolidation company IN 2011 OR 2012. Capital One REFUSED THIS OFFER and MARCH 27 2014 FIVE YEARS AGO my account was charged off. This is still on my credit report and is causing me a lot of issues. With Capital One refusing to help me pay my debt this needs to be removed immediately since it is over 5 years old. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.

I had a charge on my banking account. I spent 1 hour and 15 minutes, got switched to 9 people and never got a straight answer. A waste of time. I am pulling my money out of their bank. I am sure they don’t care. I have a company with over 32,000 employees. Maybe they will care after they lose all that businesses and money.

I like the points you can earn with this card and the minimum which I pay over the amount but very unhappy with the fact they did not uphold their end of the agreement. I was supposed to get $150 bonus if I spent $500 in 3 months. Which I did. No bonus though with repeated calls about it. Not sure where to turn with this issue. It's not so much the money but that this is misleading advertising that some might consider predatory lending practices. I'm interested in meeting others with similar complaints as collectively our voices can make a difference.

I submitted a payment 2 days ago. The payment cleared both at my bank and on my Capital One account. I checked my bank account and noticed I made an incorrect payment amount. Instead of $175, I paid $1750.00. I've had the account in great standing for over 4 years. I called to inform them, and to have the payment reversed, minus the intentional $175. After waiting for 30 minutes, they said they couldn't do it. It can only be done when payments haven't been posted. Some years ago, I had a similar situation, and without any problems, it was reversed. I was extremely frustrated and discontent with their inability to work with my situation. At the end of the call, I insisted to close my account and they did that within seconds. Obviously, they have no intention to keep good, loyal customers. Customer Service is not a pillar of their mission. "HASSLE FREE" should not be their motto or brand.

After using my card for several months and paying it off some months or most of it the last month before it became restricted, they informed me that I was given the card accidentally. I was given a card I applied for and was deemed credit worthy of $15k accidentally? With 58k SkyMiles built up - they canceled out my card. While I was following their instructions on how and who to plead my case, I got a letter saying it's their policy not to reinstate... before they even heard me out. On my last call, they didn't know anything about my registered mail or received my faxes. THEY STOLE MY 58K MILES!!!

They have no desire to serve or make life easy for you. They lie and have no idea how THE SYSTEM is set up. I tried many times to get a hold of someone in a higher position, but no luck. I hope there's A CLASS ACTION SUIT against these crooked people. I'll be one of the first to join the group.

On Thursday I go pay pay my Snap-on tool guy as I would every other week to find out my card is declined. Meanwhile no email, no phone call from them saying they're fraudulent charges. So I call. They say my card has been deactivated due to a fraudulent charge from Snap-on that I was trying to make so they have to send me a new card which will be 3-4 business days. Monday get an email. I will get my new card between Friday and Monday which Friday would be the 7th day. It was the only card I had so I call them back and tell them what an inconvenience it has been and their only answer to me is, "I'm sorry but that is how the Capital One automated system works. We have no control over it."

I paid off my balance of 7,000. A month later I get a bill of 26.00 charged for interest. Even though I received a email stating I had a zero balance. Moving forward I won’t be using this card anymore.

I have been a card hoarder Now for a about 4 years. I've paid off my balance several times and had no issues. However this past 6 months I have kept a balance on my card But always paid my payments on time and paid more than the minimum payment. My bill was due April 6th. I was Finally able to pay off my balance Which I was very excited about. I paid my current balance not my statement balance so which means all interest in any charges should have been wrapped up in that. However 2 weeks later I get a notification on my phone that $27 in interest has been charged. I'm not really sure how interest gets charged on a $0 balance. I've paid off my card several times before and this has never happened. However when I called they said that's because they are a month behind on Interest charges. I believe they were just saying whatever that's why you have a statement balance and a current balance.

Capital One has removed the option to combine accounts. However it seems they now want the members to continue to check back consistently rather than send out a notification that the issue is fixed or removed indefinitely. This is not a great a form of customer service as they are essentially advising members to do "homework" daily. This should be changed. It’s not the fault of the one who advised this but clearly there can be a email notification sent to all members advising of the issue once it is resolved.

I paid off my account after having this card for 13 years and they charged me interest of 27.27 and I paid $10 towards it and then they sent a report to my credit union stating I missed two payments. I find it highly suspect that as soon as I pay off this account after having a high balance for 13 years they suddenly penalize me for having a $27.27 balance and only paying $10 on it.

Requested an 400 increase on my ATM. Was put on hold for 20 minutes then was told can't be done. When I explained it was done before, they gave me a supervisor and he hung up on me.. Call back. Spoke to another rep. Was placed on hold for 30 minutes. This time came back and said, "Cant be done." I work for Chase Manhattan Bank and I never had this problem.. I have two other accounts with TD Bank and Bank of America and when I request an increase it's completed. This is unacceptable for a company as large and well known to treat their customers this way. I will inform all my media friends and followers about this.

Got card from Capital One....Never used it ....All these game charges came up..I called them and they sent another card.. I DID NOT ACTIVATE THE CARD...More game charges....DO NOT GET CAP 1 CREDIT ...NOT WORTH IT.

A little more than a week ago, I had lost my wallet. I used the Capital One App to look up my card number to make a digital payment and proceeded with the payment. A few days later, I noticed my card was locked due to "fraudulent activities". When I called to follow up with this account lock, they refused to give me any information about my account unless I provided them with a Photo ID. I informed them that my wallet is lost and that I do not have such documentation. They told me that until I provide them with a picture of my Photo ID the account will remain locked for my safety.

I’ve been a customer of Capital One credit cards for 6 years. As of last year I consolidated all of my banking with Capital One. That was my first mistake. On 3/31 I purchased a vehicle, it was a Sunday so the dealership asked that I remit payment no later than Monday 4/1. On Monday I go to my nearest Capital One cafe to request a banker's check to pay the dealership. They inform me that it takes 48 hours. The dealership informed me that was unacceptable. I asked the employee at the cafe for cash, not possible in the amount I needed. Then I asked for a wire transfer, and was also told not possible. I begged the dealership to accept a late payment and they were kind enough to accept.

My previous credit card with this store was updated into Capital One credit card. They transferred my paperless option into this new account, so I was not to receive any paper statements. They also blocked my access to online account which took a few months and about 12 calls to resolve. Meanwhile the old account was still accessible and showing zero balance, misleading me that no payment was due.

I applied to a secured credit card about 2 months ago and I paid $300. I did all I needed to do at my end (going to Canada Post to show ID, etc.) and I haven't received the card yet. I called them today to ask for my money back since they took so long already. The guy who answered told me that I needed to wait for 2 billing cycles (2 months) to receive my money back. I was like WHAAT??? It is not my fault, the card was never activated and I never received it! The guy says (in barely understandable English) "Well, since that's the case, I am closing the card and please call us back in 10 business days to request a cheque for the amount you paid." I was like, "No way! I need you to refund my credit card immediately, I am not waiting for that long! It is not my fault." Then he hung up on me.

I went to deposit a credit card check via mobile deposit in my Capital One account. This whole process was a complete nightmare! My funds should be made available within 3-5 business days only to find they flagged the check as fraud and put a hold on it for weeks! I asked them to just cancel the deposit since they had to hold the check for that long and they refused. I put the money in the account to clear the check I wrote and put a stop on that credit card check. They added the charge back amount and the amount on hold and now my account was negative for twice the amount even though my credit line was 3700.00 which is ridiculous.

Apparently paying off your credit cards for 4 years with no late payments and making them thousands of dollars in interest off me doesn't matter. I paid off my cards in FULL and unlike every other card I have they insist on charging interest still on cards well out from the due date after being paid in full. Capital One is very hard up for the millions they need to pay Charles Barkley, Samuel L. Jackson, Spike Lee and others for all those commercials during the NCAA Tournament... I will never do business with Capital One again... Their business sense is garbage and having just seen their HUGE cafe in Glendale, CA with NO banking business being done they are literally pouring money down the drain with those huge leased spaces making no money... IDIOTS!!!

I have had Capital One for years and I’ve always made payments way before the due date and nothing owed. I haven’t used the card in almost a year and I’m still being charged every month for the balance. It’s ridiculous! Horrible horrible, they won’t work with you on it either. I’ve had Chase and other credit cards and they don’t charge you for the money you owe. ESPECIALLY WHEN YOU'RE MAKING PAYMENTS EVERY MONTH AND AREN’T using the card. Can’t wait to leave them.

I applied for a credit card. Was approved so they sent me one. I used it 1 time then they flagged it for fraud. I got a call from fraud department and they wanted a copy of my driver's license. After sending that then they wanted a copy of my Social security card. Nowhere in the fine print does it say I will need to send a copy of my social security card that is compromising my Credit and identity. After refusing to send this crucial information to them they said they have the right to ask for any information which is fine except for a copy of my social security card. How can you send someone a card and let them use it if you have never validated who they are. So after many phone calls I was forced to close my account to protect my identity and now they have reported to the credit Bureau and my score has dropped 70 points.

This is the worst card ever. In mid-March I had my card turned off by the fraud dept with no notice while I was overseas, when I need it most. They did not even give me a phone call to discuss any fraud or to give me any notice it was being turned off. After being declined by several merchants overseas, I gave them a call. They said my card was turned off. I asked, "Why?" They said, "Because of fraudulent activity in Dec '18." While it is true I did have fraudulent activity in Dec '18, a new card was issued at that time and it was old news.

I apply for a credit card. Got approved. Pay the money Capital One requires. I been waiting from March until to receive my card. I called numerous to find out what is really going on. Some of the staff was so rude. When I asked to speak with a manager they put me on hold for almost 2/half hours. Still never got a manager on the phone. I called back the few days later. Still the same. Eventually now I got a manager. He told me there was a problem with my name. It was too long. I never heard that in my life. What so funny my other credit card has my full name with from RBC. Sadness about this situation. My uncle passed away. I have family here visiting from the Caribbean and it a damn shame I can not take them anywhere cause I been waiting on Capital One to sent me my card form March 13.

I have had Capital One credit card for over ten years and never once have I had the issues that I have with them now. Maybe I’m older and wiser but they a complete fraud company that is designed to keep the consumer on a ** stick while they continue their business as usual attitude. I have been charged purchase charges for about 6 months not and I’ve used the card once. But every month I’m being charged and I haven’t made any purchases. Pay the bill on time but still getting ** by this company. I’m pissed and need answers in why are you charging purchases charges and no purchases are being made.

I was wrongly charged a late payment that Capital One insisted I pursue extensively with my bank payment provider before they would investigate. Bottom line, Capital One finally acknowledged months later that they received the payment on time but only after considerable efforts on my part, both with my bank and Capital One. Despite my contacting and discussing the investigation with Capital One's executive offices they could not answer directly what error occurred in their process. I conclude that other customers are subject to the same dismal treatment from Capital One.

I was getting Comcast Cable. Had to pay a deposit. Paid it then they called and said my house is not eligible for Comcast after they took my money off my Capital One. Well I disputed it told Capital One what happened and we did not get service. So they gave me a credit. Well a month later I got a rebill charge for that same one. Now put my card over the limit. How did they reverse that again when I don't even have Comcast. Never received service and paid money for nothing. Don't get Capital One. I am going to pay them off and throw the whole card away. I wish I would have did research before going with this company!

Spent a week at the bank trying to open a 360 online CD which could not be completed online. In short, nothing worked and the problems continued with the assistance of the employees who tried to help. Kept calling the people in charge for assistance, no resolving the problem. While working online one account was allocated to the wrong family member (multiple accounts were attempted) in closing this account a day after, a penalty of 6 months interest was charged, why? (And this after being told that penalties under one year are 3 months interest,), BULL! Bank demanded all children, beneficiaries, trustees and sharers of the accounts be physically present at the time of opening the account/s. Ridiculous!

I made the hundred dollar payment. The online showed, on time. Got a receipt. Showed paid properly. Then I was charged a $38 late fee and damaged credit because Capital One somehow decided the proper amount was one hundred and five dollars. I wasted a lot of time on hold and punching their 40,000 question drill to try and reach a human. When I eventually did, each time that person was powerless to do anything about correcting the error. It appears Capital One may set up such a scenario often, then makes it impossible and time-consuming to get it corrected. All to steal a large late fee while damaging my credit rather than their own. Multiply that fee by millions of people and it means Wells Fargo isn't the only large bank that deliberately steals from its customers.

My card was suspended. They say my account is past due of the amount of 244.00 that was due on April 23rd 2019. Ermm, humm... We are April 1st 2019. I have tried to ask to speak to a manager. Rather than to place me on hold for the manager. The rep place me back on queue. That was confirmed by the second rep. I tried with the second rep and again she refuses to let me talk to a manager. The 3rd lady, finally told me that managers are not available before 10:00 am.

I was in Los Angeles when I lost my card on March 17th. I reported my card lost on March 26th. There were over $1,000 in charges made in Los Angeles while I was in Utah and New York by vendors I've never even heard of (and should have been flagged) with my actual card (which has my name and there was no signature, such that the cardholder was clearly not me). First, I spoke to a Capital One representative who indicated the fraudulent charges would be removed from my account.

Their website is so bad that I feel strongly enough to tell everyone I know to not use Capital One credit cards. Worst online experience I have ever had with anything! I used the card for a balance transfer & cannot wait until I pay it off so I can burn my card. Capital One is saying "We here at Capital One will only give access to our website during normal business hours. So we do not care about anyone who does not work normal business hours." Normal business hours are whatever Capital One says. I am writing this after I could not access my account online. This month alone I have not been able to access my account at least 5 times. Pretty bad for a company whose entire business revolves around computer related transactions.

My husband made payments on my credit cards on March 26th. I have three accounts with them and only one was updated. They are trying to tell me that they placed the payment on hold because it came from his bank account. I explained to them that one of my accounts were updated, and they were all paid on the same day from the same account. They were no help so now my other two accounts are not updated and they keep saying they place the payments on hold which I know is a lie. They are horrible and don't care about their customer satisfaction.

Capital One gave my account to a law firm after I was told that I could either continue payments or make a large payment!! Then they lied and said they called me but didn't get an answer!! Bunch of bull! I paid my Quicksilver card off and was in the process of paying my platinum card off once I went back to work and they were well aware of it! Now I am receiving threatening garnishment letters from my county municipal court, and the law firm they sold my account to won't even return my calls! I hate Capital One, and I am going to fight this! They will not bully me!!!

I called to let Capital One know that I will be in Tokyo on these dates and where I will be using the card. I went to Tokyo and the card was declined. I was not able to go to the show because of no credit cards. I have three Capital One cards. I am back in the States now and I called Capital One to inquire as to why. They said it will always be declined out of the country then Capital One will send you an email and you have to respond to the email and or call Capital One and they have the merchant call Capital One. Customer service states that is how they do it and that other credit cards are easier to use out of the country but just not Capital One.

First, I purchased merchandise online. After not being able to communicate with the merchant I became suspicious. I found the merchant's phone number was from California and their place of business was in New Jersey. Hmmm. I called Capital One to not only report my suspicion of fraud but to also cancel the card I used for the purchase. I was credited with the $72.00 and was told the case will be closed. To my surprise 2 days later I was again charged the $72.00. I was told by Capital One that is was a "Dispute", not a "fraud" and Therefore I was liable for the charge. I spent 2 hours on the phone explaining that I neither received a shipping confirmation # or have been able to reach anyone at their customer service dept. This company was a shell that did not exist. How is that not fraud.

I am also finished with my loan paid 21,000 and they pick up my car. Yes I was behind and been in contact with the Department however they pick up the car and asking me to pay 1,500 in fees! Now I have to find extra money to retrieve my car and if it goes to a auction I have to pay those fees too. I would not recommend Capital One to anyone.

I have 2 cards from Capital One and as I usually pay online, I mistakenly clicked on pay the full amount which I didn't want to do so I called customer service immediately and they told me since the payment was processing they couldn't help till the next day when the payment hit my account, so as what customer service told me to do I called back the next day as told to now that the payment hit my account and now Capital One has my money so I called them back and they said there was nothing they can do.

I've had the worst customer service I've ever experienced with Capital One. I spent hours on the phone with them and found them to be generally incompetent, give you the wrong information, they say they'll do things and then don't do them, etc. It's extremely frustrating to deal with them and I hope I never have to do so again. My account was suspended and I couldn't get it unsuspended for about 3 months because they kept giving me the wrong information and were generally incompetent. They also didn't seem take notes as every time I called I had to explain the situation all over again. They put me on hold for long periods of time. Sometimes hung up on me while I was on hold. A manager gave me her employee ID so that I could get back in contact with her if I called again. And when I tried to do that the rep on the phone said he couldn't put me through to her. Just. Utterly. Useless.

I can't stress this enough. Do not bother paying your card on time and for godsakes do not pay it early. This company simply cannot handle that!!! I have paid my bill on BOTH cards either early or on time for over a year. I only get paid every two weeks, so most of the time it's early. So on Feb 23rd for March which was due March 20th I paid my $30.00 bill, on March 23rd. On March 23rd I get a notice saying my bill was overdue. I quickly sent $30...thinking that I must have forgotten to pay it. Later when I had time to follow up...they took $30 out of my bank account on Feb 23rd. So I call them.

I've been a card holder for years. Within the last 6+ months I've asked them to waive all yearly fees and crappy interests. Yet... The person over chat told me there're no new offers to do this. I then told them, I am done with Crappy One and done making payments. I'll start paying the $140+ a month towards my other credit cards or loans I've. This is the worst credit card company! DON'T APPLY FOR A CREDIT CARD THROUGH CRAPPY ONE!!

My Phone was hacked and my information stolen recently, including the login to my Capital One account. I called Capital One customer service. They locked my account right away. But everything else about the experience was a disaster. The worst customer service experience you can imagine. I'm trying to explain phone "Porting" hack to non-native English speaker with just a basic comprehension of English.

After being a loyal customer for over a decade, I made a horrible mistake and overpaid my account by $17,500.00. They just kept applying charges against it and refused to send a refund until I closed the account. It's been OVER 3 WEEKS!!! I need my money back. I've spent hours on the phone with them. DON'T DO BUSINESS WITH CAPITAL ONE.

I'm a small business owner. I opened a checking account with Spark Business Capital One. It has been nothing short of a nightmare, I can't access my funds -- they are holding them and indicating I need to change a form. I submitted the form now over four times to which they've given me the response that it wasn't legible and needed to be resubmitted, however, they are behind on reviewing forms from over two weeks so I'll just have to wait. And even once they do review, they have a 7-10 day waiting period for me to receive my funds and close my account.

This is by far the worst encounter I had with a bank. I was assist by Valerie **. Worst experience of my life, unprofessional and snotty attitude. I’ve been with Capital one for many years, business account and personal account and I will be moving my business to another bank. Client service is everything. Capital one can do better.

I called because they charge me an annual fee on the day that my credit card was reporting and I wanted it to report at 1% but it ended up reporting higher than that because of their annual fee. I asked them if they would waive the fee or if they had a different option. The guy on the phone was so arrogant and said fine, "I'll just cancel your credit card" like he was actually threatening me so I told him, "Fine go ahead."

I make monthly minimum payments as of my income now and with the finance charge less than the payment I receive no available balance. Every time I call I get a foreign person with no knowledge of subject. It’s disturbing of getting foreigners instead of someone who speaks English basically knowing the questions better. I’ve had this account for about 15 years with better results then as now. The interest rate is astounding, I’m trying to buy a home and my card balance is high. I am trying to fixing this so my credit score goes up but as of reading reviews I’m very questionable. I want to close this card but it might affect my credit score, every time I call I ask to speak to a manager for better understanding of the subject. Any help would be very appreciated.

Capital One is a fraud!! My wife and I have had a Capital One Venture card since 1992 and have never been late on our account. We recently paid our balance of $8,385.27 in full three weeks before the payment due date and still received a bill for $37.48 the next month. I spoke with several representatives and two supervisors and no one would waive the fee. They call this trailing interest even if you pay your entire balance. What a ripoff!! Needless to say, I can tell you what card WILL NOT be in my wallet. James **.

I have had a Capitol One Sparks Business Card for many years and had accumulated 280,000 miles. Sunday evening I booked a flight for a business trip that I was taking in two weeks. Monday morning when I got to work and checked my email confirmation somehow they had the traveler name as our company name. I called the travel center to get it changed and they told me that the only thing that I could do was to cancel the ticket and rebook at the current rate. The ticket price had gone up $140 overnight. I told the lady that I was not going to pay the difference as it was not my mistake.

I give Capital One the worst review of any CC company. Paid off my account in full, took them almost a month to report it and then charged interest after account was paid off. When I paid account to zero balance (almost 5k), they were barely willing to help where other companies were more than willing to help. Have been given poor service by their reps, had to call multiple times just to get accurate information. I would never recommend them to anyone and would advise any potential consumers to look elsewhere.

Capital One close my Menards account due to incorrect information that was through one of their departments. I was told that I had a Bankruptcy and they closed the account. I told them that I had NO Bankruptcy. They told me to get in contact with the Credit Bureau and I did and pulled my credit. There was no Bankruptcy on my report. I just wanted them to correct their mistakes and straighten out my Credit Cards and fix my Credit Report to not show these mistakes they made. Thank You.

I was in car crash in mid July 2018 leaving me without a income for nearly 9 months. I fell behind on my bills. My account fell behind. When I return to work this month first thing I did was call Capital One. My first check back I paid my balance in full. After speaking with the agent taking my payment they told me my account would be back to normal status once my payment cleared - to call back tomorrow to verify. This morning called requesting why I had a new balance. Yesterday I told the agent to run a full payoff and they did and it cleared. I ask to speak with the supervisor. She refused to assist me in any way stating my account wasn't paid off although we were on a recorded line with their agent stating, "Your account is in good standing and zero balance." This company has no integrity, and very shady. Stay clear of this company.

I cannot believe how horrible CO is! I went to my diabetes Dr yesterday. I have to take insulin several times a day now. I called to try to work with you to get an available amount put on my account. I was told I had a few dollars with rewards. I was told it would be applied as an available amount and would be done in a day or two. I called tonight to find out where it was and was told it was applied to my balance instead. I asked the rep yesterday to confirm that it would not be applied to my balance. He said that it would be an available amount. I needed that money for my diabetes supplies. You LIED TO ME! I can't use the language I'd like to because it could get me booted from Facebook.

Horrible website updates. All changes have interrupted all feeds with accounting software. Locked out of all accounts and can't get a "by when" I'll be able to access my accounts. Never had these problems with ING!

March 19. Had to call a second time to close my now merged Cabela's and Bass Pro Shops account. Paid off entire balances on Feb 26. (Overpaid actually. They stated to me, "that's just how things work here.") They proceeded by stating that they would be sending me a check for the credit balance on my account. Now three weeks later, the accounts are still not closed and that my account had accrued interest since. Dealing with customer service is a joke. Then they transfer you to a supervisor that even more ridiculous. They just read off a cue card and don't care about the consumer. They are like robots.

A few years ago I applied for a Capital One Platinum Card and was approved. I put a few charges and paid it off within a couple of months then put a few more small charges paid it off etc. I then put my dishwasher on the card a paid about 4 to 5 months in a minimum payment but couldn't stand to keep paying the small amount so I paid it off.

I just closed my 3 Capital One 360 Online Savings accounts. There was a glitch that was not allowing me to name the accounts (nicknames). Since the balances are sometimes similar I need to be able to distinguish between them at a glance. After months of this & multiple calls to tech support, I closed my accounts. Not because of the glitch per se but because of this response, more than once: “we see no issue on our end, the back end, so we will not create a trouble ticket and we will not pursue this any further. We see no reason that this should be happening”. Translation to their customer of over 10 years: “This shouldn’t be happening therefore it isn’t happening”. Unacceptable.

I am beyond furious with Capital One!! We needed to change a phone number on our account so they could send me a temporary code to access my account online to pay a bill and I was told they couldn’t change our number and couldn’t tell us why. I called late last week and if the change would have happened then, I could have viewed my bill and made my payment online then. I was then told they had an issue with the system and to call back today. I spent another hour on the phone with them tonight to get nowhere. I was told I couldn’t make the number change again tonight but to try back in a week. Wtf?? How is it our account and I can’t make a change to my phone number? The phone number they had on file was no longer in use so tell me how I am able to view my bill before paying it if I can’t access the account? All they kept saying repeatedly as they couldn’t share any information with me but they understand our frustration.

They got our statement mailing address wrong on the statements. Postal service cannot delivery statements in a timely manner. When confronted, they refused to waive all interest and late fees even though they screwed up our mailing address. By the way, this is a BUSINESS credit card and we actually are charged a yearly membership fee as well. As the result, we have been charged over $400 in interest and $100 in late fees that they are not taking responsibility for. We will be cancelling our Capital One business credit card at our earliest opportunity.

On March 18, 2018 at 1630 hours I called Customer Service for Capital One and spoke to a Keisha who would not provide any more info on herself. I asked about a fee they charged and when I heard it was from the bank - I told them I am taking my business elsewhere, she said OKAYYY?! The lady was rude and very condescending on the phone. Not the type of business I want from people who are holding over 85k a year of my money. I will be moving over to CHASE Bank. 4 Years of service down the drain over. Do not recommend!!!

I applied for a Quicksilver credit card, with zero percent interest for 15 months, knowing I had Excellent credit. They sent me a card, and a report with my credit score and APR after the introductory interest rate. The report gave an incorrect, much lower, credit score that is much different from Equifax, where they supposedly got my score from. No help from customer service or supervisors to remedy the situation.

They sent the card to my street address instead of my mailing address. I contacted customer service twice to correct it and got the runaround for nearly an hour. I never activated the card but I was pleased to send it back with a note explaining they have the worst customer service ever.

First, don't go with Capital One at all! Here is why, they have 0 customer care. The supervisor I finally spoke to on the phone was great but so hand tied they are useless to help. I asked for a credit line increase, this is the response "Recent use of this account's existing credit line has been too low". For over a year I have paid my account on time, been a great customer.

On February 5, 2019, I called into the customer service department in order to inquire about a new application for a credit card. I have my credit frozen for security purposes. I specifically asked the customer service agent which Credit Reporting Agency was used for checking “credit worthiness” for new applicants and I was told that TransUnion was the only one used.

My mother passed away in 2004. She left credit card debt with Capital One and for some reason, my father didn't pay it. Not sure if he didn't realize it, couldn't pay it due to living on social security, not sure. In 2008 they took my father to court over my mothers defaulted credit card from 2004, because he was her spouse. I do not know what type of arrangement he made with them, whether to pay a small amount each month, etc.

I have been a customer with Capital One for 6 years and have 100% on-time payments during that time. Recently, an authorized user on my card was involved in a scam, which I found out too late that caused fraudulent charges on my account. I was told that because I "willingly gave a third party my information" it was not fraud and they would not reopen my account. I don't think they understand what fraud means, but okay. I was then told that I was welcome to re-apply for a new credit card. So you can charge me new fees and pretend I haven't been a customer for as long as I have? No, thanks. Don't expect to get any help from customer service without a runaround if they even decide to do something for you at all. Absolutely zero customer loyalty. Don't forget you're just a dollar sign to them, nothing more.

I pay all bills for my father who has a Capital One account. Several times I have had to dispute charges and since the account holder has to be on the line, it was a huge inconvenience as my father does not live with me. Capital One asked us to send a signed power of attorney via fax. All the documents they requested were sent, I have fax confirmations but yet Capital One claims they never received it both times it was faxed. I gave up on faxing the documents, however, I am still trying to dispute a charge and this morning when I called to get their fax number to send the supporting documents, they said they could not give out their fax number either, as if a fax number is confidential information. I gave this company one star rating because lower doesn't exist. I am glad that I am not a customer.

Capital One spammed my email and physical mail with a pre-approved 0% card for months, so I figured why not. Keep in mind I have a checking account with them and a card for years that has a limit of almost double this one, and $0 balance on it at the moment. Step 1: Call to activate, done activated. Step 2: Your card needs fraud check and you can't use it. Step 3: Submit 5 million documents all over the internet proving my identity, yet their link doesn't allow me to submit them all so I have to resize and do other stuff.

I pay off my Capital One credit Card Balance off every month. About a year ago I sent 2 check payments in one envelope to Capital One. The balance would have been paid off. They reportedly only received the small check. I had to stop payment on the second check, for a fee at my bank. I was convinced to stay with Capital One.

I have had a Cap One Visa card for over a decade and always found their telephone reps to be knowledgeable, helpful, fluent and conversant. However, something has changed since March 2019. On previous calls to consolidate my two credit cards into one, I received the usual high-quality service I've come to expect. I was told I would have to wait until March 6th to do this since my newest card was opened last October; the card needs to be open for 6 months before I could consolidate.

I used Capital One card for my business for years. I had someone contact me wanting to sell some items to me for my business. Was nervous that it may be a scam, so I called Capital One before I made the purchase and expressed my concerns about it may be a scammer. I was reassured to go ahead and make purchase as I would be completely covered under their fraud protection plan if I did not receive merchandise. Well, I didn’t receive the merchandise, and the seller was arrested for scamming, but Capital One would not cover this under their fraud protection plan, as I was told they would.

Beginning in early 2018, someone has been calling in to Capital One with my SSN, and DOB, to update the mailing address on my credit card, so they can then request a new credit card. This has happened 4 times now, and Capital One has ZERO security in place to protect victims of identity theft. When I spoke with the "manager" in the fraud department, he told me that Capital One has "layered" security, but if the person calling can provide a full SSN and DOB, then they will make any updates that person requests. When I question them about why they do not offer any kind of 2 factor authentication, like just about every other company in the world, they can't give me any answers. I've spent countless hours on the phone with Capital One trying to get everything corrected each time this happens. Beyond Frustrated.

My husband and I have cards with Capital One. We recently sent in a check to payoff off the balance on his card. I sent it by Priority Mail on Monday March 4th. Per tracking, it was picked up on Thursday and now they think the check is lost. How do you lose a $3800 check once it’s in your building? As far as customer service-nonexistent. Their answer is to send them another check—seriously? If you lost one, how many does it take before you find it and post it?

Originally obtained this card as a Cabela’s card. It was wonderful from 2012 till the end of 2018 WHEN CAPITAL ONE TOOK OVER. As soon as they took over, I began having issues with statements being send, and payment processing. I was diligent and never made a late payment or let a balance carry over. One payment in particular was never received by Capital one. I called them several times and they said It had not been received. So, I redid the payment online a few days before it was due. Also, since they did not receive the check (at least said they did not) I put a stop payment on it. Then 1 month later they tried to cash the check!!!! All the while I am having to deal with people who barely speak English and are following a prompted script of what to say (IE: No rational thought).

Hello, My name is Anthony **. Capital One is the worst company to do business with! They are simply the worst!!! Don't get trapped. Go elsewhere. Run! Hide if you must... But do NOT go to Capital One. Why? Because when you want to cancel a recurring payment, they cannot guarantee the merchant will not charge you again in 15 months. What kind of non-arbitrary garbage is this? Pfft. Get real... There are not even any limits to the levels of disrespect and skullduggery this company is trying to convey, and sometimes...conceal.

My husband made a cash deposit in an ATM and we did not get credit. We had to file a claim and waited a week to get our money. Therefore I will never put cash in an ATM. Today I was depositing checks and the ATM did not record my deposit. It can take up to 45 days to resolve this. As soon as I get my money I am closing this account and finding a new bank. No way it should take even 24 hours to open that ATM and give me my checks back. Capital One does not care one bit about its customers.

Since Cabela's sold out to Capital "zero" card I have experienced nothing but billing errors and incompetence from C.O. customer service reps. They clearly demonstrated they do not care about customers and stated I have to prove they made mistakes! In addition, most do not even speak/understand English! Never again with C.O. and closing card and Cabela's will never get another card out of me either!

Horrible company. Not professional. Just a scam. Don't get involved with them. They harass you with advertisements, about 20 letters a month. Horrible. Then they hang up on you on the phone. It's the most difficult thing to get ahold of them. They are so unprofessional. Save your time, and do not apply. They are horrible. They don't even TRY to help you. Took me an HOUR to finally get things fixed because their employees SUCK. Especially Ben who hung up on me. Horrible man.

I have been using this card for 5 years and missed one payment by mistake. They did not waive the interest charge even though I called them immediately. Horrible policy and no customer service when in need.

A charge of $5100 was put onto my card while in Mexico. I was alerted to the fact via email from Capital One. I immediately reported it as fraud but after the "investigation" they said it was not fraud and that the merchant could charge this money. Their fraud guidelines do not back their claim of no risk! DO NOT USE THIS CREDIT CARD COMPANY!

I have been a loyal customer from Capital One since 2015. I paid off my credit card of $5020 BEFORE the billing cycle was due and was still charged interest. DON’T get a card from Capital One. I have never asked for anything to be waived on my account before and to be treated this way really upsets me. I will be cancelling all my cards with them.

I fell for one of their no interest 18 months loan for a small house project. I have always made my payments on time using their online payment. However, I went to make March payment and noticed the February payment didn't go through and they charged me interest plus late fees which of course now will continue. I never received any kind of notice that it didn't go through. I called and got no help but had to spend an hour to listen to the idiot read the cancellation procedure. Paid it off, done, never again will I deal with these arrogant **.

I applied for the offer of $150 rewards when the new customer spends $500 within 3 months. I spent that within the first week of receiving the card and activating it. Shortly after I received the statement and when I called to have the rewards applied to my account, I was told that they had a fraud alert on the account. That was the first I had heard of that and have NEVER experienced that with any other card. They wanted proof of who I was. I sent them 2 different documents, but when they wanted copy of my SS card I said no. The offer appears to be a scam to get new accounts with the promise of rewards, but not intend to deliver the rewards. I have filed complaint with the government consumer agency. I think this may be like the Wells Fargo scam to get new accounts. Just think of how much they will make with new accounts spending at least $500 and they have no intention to honor the rewards promised.

Applied for my first credit card of 300$, my name is long and somehow they got it incorrect to display on card. LONG STORY SHORT, it's been a 3-month long battle sending them every piece of photo ID. To no avail, I have been responded with requests to now submit MY PASSPORT pictures (after sending them a Canadian residency card, Medicare card, and phone bill). The worst part of it is, I had to pay 75 of the 300$ credit upfront in order to be accepted. Simply put, DO NOT APPLY for this trash credit card! Terrible service and there is a reason why there are 400 negative reviews and almost no 5-star reviews in comparison.

I paid off my credit card balance $4170 dollars. Payment due date was the 28th of February, they received it on February 25th. When I called them on February 19th to get the exact payoff it did match my statement balance. When I called on March 4th to cancel my credit card, they said I still owe $64 dollars for a finance charge? I was so upset I couldn't see straight! I had to ask for someone who spoke English, as I always get agents from India or Pakistan? My banker from a large bank here in the Midwest told me Capital One is the worse. "Pay them off and close your account," she said. I will never do business again with Capital One as long as I'm alive. And I will bad mouth them to death to everyone I meet. I'm also closing my Cabela's credit card which was taken over by Capital One. They are greedy **.

I put a deposit for a boat on my Capital One credit card and was told by the representative that opened my account if I paid with a bank check it would be treated the same as cash. That was not the case. They held the payment for 8 days even after they spoke with my bank and confirming it was a bank check and it was good. After spending almost an hour on hold and being transferred back and forth I got nowhere and felt like I was just a number. Each representative that I talked to gave me a different excuse but at the end of the day it tied up the sale and I lost a bunch of the rebates because of the delay. Thanks.

I have been with Capital One 12 years checking savings and credit card. Never overdraft or missed a payment. The bank double charged my card and has held my card up for 4 days now. It's amazing how payments made to them post immediately but to outsiders pend for so long. I've spoke with numerous representatives and they all say they can't do anything until it post. The businesses I was paying received their funds yet I can't seem to get the funds they owe me. I'm very disappointed that I'm having to put off my responsibilities because of their error.

Just came to write a review and interestingly enough found another consumer had the exact same issue as I did. Paid over $3K in full 2 weeks before the due date only to receive another bill for interest. Called and was told this is how it is. They are thieves for doing this... I will surely contact the banking department. BEWARE, BEWARE, BEWARE... JUST WHEN YOU THINK YOU'RE DONE...HERE COMES THEIR LAST GRAB!

If I could give ZERO stars I would. I've been a loyal, excellent card holder for years with Capital One. I've never missed a payment and I've never been late on a payment. I have great credit. I paid off my balance of almost $5,000. A month later they tacked on a $50 interest charge. REALLY?? I called and waited on hold for 30 minutes only to get some woman who barely spoke English. I went through the whole story with her and I could not understand her, so I requested to speak to a supervisor. Waited an additional 15 minutes on hold.

When I went to log in my online account to Capital One the screen said it was locked. I called customer service and was online for an hour. They stated they had to escalate the problem. It has been a month and several calls and the online access has not been resolved. I cannot check charges before payment. I received a statement in the mail but it is 20 days old. I always pay my balance every month. I cannot do this since I do not want to pay if my card number has been stolen. I am to the point of just canceling the card and getting another one with someone else.

Capital One representatives are so poorly trained they make it obvious during a phone call. I paid off my Capital One Platinum Card on 2/26/19 for the balance that Capital One showed was owed. On 2/27/19 the idiots still auto-drafted another $60 payment! They showed a credit of $60 on my card. Then on 3/02/19 they charge me a $20.99 for an "interest charge" on a credit card that I paid off four days prior!!! I called them and spoke with a male rep that was completely clueless. I could tell he was merely reading prompts from his computer screen like a drone.

When I activated my card and I set up autopay on it. For all the previous bills it worked well. But at last bill it didn't charge to my account automatic. After 1 month I received the phone call from them. Got told own them 36 dollars. I paid right the way at the same day and they still reported to the credit bureau. This is ** company.

My credit was stolen and called in to cancel my card and dispute a charge. My purse was stolen as well which contained my driver's license. They could not identify me even though they all pertinent info like ASN address, mother's maiden name, etc... They asked me questions that were over 30 years old to try and establish my Identity. The questions were where I lived 30 years ago. I couldn't remember so they wouldn't help me. I asked them to mail me documentation to prove who I was. They couldn't do that either. My card was cancelled but the dispute was never addressed. Customer service and the fraud department was a joke. I had no problems with any of my other credit cards. Stay away from Capital One credit. Horrible, Horrible service.

The Quicksilver 15 Month 0% APR is deceptive. It should say "Up to 15 months", or have an asterisk that you may receive something less than that, but nowhere does it indicate this, as other reviews have expressed as well. Not only that, they do their best to hide the terms and still call it legal. I applied for the Quicksilver card and was approved with about 760 credit score, never a late payment on any credit card, never defaulted on any credit card, never broke any agreement or violated any contract with a credit card. 9 Months later I started getting charged interest on a 10k balance at 25% interest rate. Why? The first rep I talked to couldn't even figure it out. He tried to connect me with someone else who could help, but said they were too busy and gave me a different number to call back with a different time.

If you use Capital One for your credit score, you're absolutely lost. They submit the accumulated monthly statement to the credit score bureaus without taking into account payments you make to settle your balance. Their service is horrible. Email support is nonexistent. Phone support gives you a heart attack fighting with a computer voice until you get to speak to a real person after 15-30 minutes. Now the person you reach in an outsourced call center keeps praising your business relation with Capital One with memorized phrases in every sentence they start, usually without being competent enough to help you with your problem. Better ask for a supervisor right away to slightly enhance your chance to get a problem solved. Instead of spreading wannabe lifestyle cafés all over the country they'd be better off with improving their service system. For now it’s truly HORRIBLE!!!

Absolutely disappointing. The worst credit card. Horrible customer service. I have a venture card. My credit score is 820. I pay off my card in full. They are holding funds already for 8 days and my available credit card balance is 0. I can't use my card. In my account it's showing that it's paid. Transaction posted (not pending). My checking account also showing that that Capital One withdrew money from my account. I received emails from Capital One that they received my payments (I even overpaid). No one in customer service wants to help. I have called multiple times. Every time they move funds release day. And at the meantime I can't use my credit. Horrible experience!!! Wish I never got this card!!! Choose another card. STAY AWAY. You will be disappointed.

Capital One Savor card is fraudulent advertisement. If you shop at a grocery store the Savor card is supposed to earn you 2% cash back. If you call Capital One they will tell you that you were shopping at a supermarket and not a grocery store so they only reward 1% even though the charge clearly says grocery store on the website.

Beware - it messed up both PayPal and Amazon accounts. PayPal is so concerned about this that they opened a fraud investigation. When I linked the Eno to PayPal, my payment settings were changed. How on earth can it change my settings on PayPal? Even PayPal was mystified but that is when the change occurred. I had reoccurring payments bounce because they were sent to an account I had closed. Eno had changed my backup payment to it. I never authorized Eno to change my payment methods. I assumed (wrongly I guess) that I could specify the virtual card if that is what I wanted to use. I never thought it would change all the payment settings on PayPal. As I said earlier, PayPal is as concerned about this as I am.

If I could give no stars I would. I've been with Capital One ever since I was 17, now in my 30s and I've never had a late payment! This last December they gave me a wrong minimum payment and yet my account never reflected that. I kept going in and paying my minimum payment until today I went in and it said my account was past due (mind you this is February) waaay past December. I had 3 late fees and my next payment due was over 120 dollars! I called them and the person on the phone gave me the runaround for 45 mins, finally talked to her supervisor and they both tried to say it's my fault for their app's mess up!

I plan on closing my Citibank account and opening up a free account like Capital One. That means no Citicard credit card. I need a new one. In an attempt to apply for one, I was denied twice. Trying to talk to someone is very hard. Chat is accessible, but they cannot do everything via chat. On hold for very long times. Upon speaking to customer service they cannot tell me why nor help me find a credit card - not personalized at all! She kept asking me what my credit was "good or excellent?" When I asked what she meant, she could not tell me. I plan on starting a business (recent grad). Again, there is no personalization. Running into walls like this was a big red flag, so I decided to close my checking and savings account.

Just stopped off at the Capital One on Union Blvd in West Islip. It was close to 5:00, but we had a few minutes. I went in because I needed to cancel out my Debit card and get a replacement. Sure, it was close to 5:00 BUT it was really disappointing when I asked the teller if she could help me. She said she had to go somewhere so she wouldn't help us. That was really disappointing. It is all about customer service after all! Now I know why they are closing this location!!!

One of my vendors processed the wrong amount on a charge. When I received a fraudulent charge email that states, "Do you recognize this charge." Of course I answered, "No..." So they graciously suspended my card. After calling to get my card reactive the charge remained on my account. I called them back to explain I was traveling and needed access to my funds and this large pending transaction was eating into my available credit.

Capital One MasterCard recently replaced my Cabela’s Club Visa that I had for many years after Cabela’s was bought out by Bass Pro. The former Visa card had great customer service. Recently called to question some issues with the new Capital One account and ran up against a terrible automated phone triage system that ultimately patched me through to incompetent and indifferent human operators who could easily be replace by an AI system that would do a better job. First operator put me on indefinite hold. Called again and second operator hung up on me. Called a third time and used the automated system to cancel my card. Will never do business with them again. I had been with Cabela’s Club Visa for over 10 years without any problems. With Capital One I lasted less than 6 months.

In 2015 a fraudulent application for a credit card was submitted in my name to Capital One. With a Fraud Alert attached to my credit report, Capital One contacted me and inquired whether I, in fact, submitted the application. I had not and asked to not honor the request and to provide me with any info related to the application for law enforcement prosecution. In addition, would they also please provide the 3 credit bureaus with the necessary information and request their hard inquiry be removed from my credit reports. After TWO YEARS, countless phone calls to and numerous promises by Capital One customer service representatives to rectify the issue, nothing happened. I was eventually told the application documentation was sent to the address of the person who submitted the fraudulent application and I was asked to provide Capital One with identity verification of which I had been a card member of theirs for close to 16 years!

This morning I was on-line making a purchase and the charge was declined. About the same time I got a text from Capital One asking if I was attempting to make a purchase with the basic "Respond Yes" if you are. So I responded YES. 2nd text follows "Great. You're all set to go." Try the purchase again, still declined (and for the record, I'm nowhere near my spending limit). Called Capital One, explained what was going on, was told the purchase was flagged as: "Possible Fraud" (even though I confirmed and got the "Great. You're all set to go" message). Was then told they would need to speak with the primary cardholder (my husband). He called them and was told they would need a copy of his ID and sent a link to which this document could be uploaded.

One star is being generous at this point. If I could give negative stars, I would! We paid off our car loan at the end of December 2018. The title was mailed to us and I thought that was that... until we never received it. A couple of weeks went by and I called to see what the holdup was. I was told the title has been mailed and I should be receiving it any day now.

Capital One has an excellent feature called "ENO" on its credit card that allows for codifying a credit card number in a way that keeps the actual number from being recorded on a company's records. But it doesn't work at many sites; maybe a quarter of the time. A pop-up will indicate that the site should be reloaded always followed by a message to "try later" but it never works on those internet sites. An explanation of why ENO does not work with some sites would be useful, to avoid wasting time using the system at those sites. Maybe a pop-up that explains that some sites don't allow for the encryption ENO uses.

Everything was perfect. Paying my bill on time, never incurred interest charges. Till I got scammed 2 mths ago. As the first reviewer said, they acted like it was all taken care off. I even called several times the day I got scammed, explained everything. The pending fraud charges turned green, I thought it was taken care of. 2 mths later they call wanting to hear what happened, also putting an added $450 to my monthly bill! That's the amount I got scammed for!!! Since then I've spoke to customer service at least 20 times, have been getting the runaround, excuses, and now it turns out I'm responsible since I got scammed, and it wasn't their definition for "fraud". Even though I have hardcore evidence of getting scammed (fake confirmation text messages, RECORDED PHONE CALLS).

Last year I was on my way back from California and my car which was financed through Capital One broke down in Arizona. I was stranded and the only reasonable option I could think of to park the vehicle was a nearby hyundai dealership (the vehicle that broke down was also a hyundai). I talked to them and they told me I could hold it there until I figured things out. I ended up being homeless and stranded for a few days during this escapade. Luckily, as last resort (I exhausted many options), I called my family to ask for help. I don't come from a financially well off family but they managed to pull together some money to help me pay for a rental car to make it back home.

About a year ago, I fell into some financial hardship and fell behind on my payments on a credit card from this company. I was put in restricted status, meaning I couldn’t use the card, which I think is completely understandable. However, I learned later from the company that this status is PERMANENT. That means that even with the account in good standing and completely paid off, it is restricted for LIFE. I have a better chance at killing someone and getting off sometime in my life than I do of being forgiven by Capital One. It is a ridiculous policy and I will never work with them again.

I got scammed by this company. I put $400 down on a pre-paid credit card which I used for several years. Then I moved to Australia and wanted to cancel the card and get my deposit back, and after 2 years and several phone calls (very challenging due to time difference and no landline, so calling on Skype from a remote community where I worked), each time they told me they mailed the check to a confirmed address (my mom) in Canada, and the check never being received. I have finally given up as it's not worth my time and the stress to keep calling from abroad.

Capital One Customer service makes it very very difficult to pay off and close a Capital One account! I was charged per day after closing my account and paying the balance. They cheated me because they kept my account open with a small 4 cent debt. I had to call wait almost an hour just so they wouldn't keep up the 'day to day overcharge' in hopes to build on interest and charge me with it by the end of the year.

This company Capital One has continually proven to be the worst customer service company I have ever experienced. I have dealt with them over many issues that clearly shows their goal has nothing to do with customer service, it has everything to do with their own benefit. I needed something simple today, password reset and it took over 47 minutes with 6 transfers. Started with on-line chat with Veronica who told me that this would require a phone call. Then from there I had to be transferred 6 times because the person didn't deal with that. It is companies like this that don't deserve customers at all.

This is what comes from outsourcing customer service! People who don't understand, take a lot of time trying things that don't work. I called twice and spoke with a live person, they couldn't help and kept transferring me. Then chatted with two people online from another country also, it turns out my social was off by one digit. How could they qualify me for a credit card with my name on it! What if this was someone trying to steal my identity!!! My bill generates in 3 days and I can't enroll to pay them until then so I will also incur interest which is why I wanted to enroll so I could pay the bill BEFORE!!!

Customer service of Capital One is going down. Terrible and rude lately. I have 2 account with Capital One but I made decision to close it all because of 1. They not give me all information that I have to know when I closing it. 2. Rude, terrible in management team. ** I don't understand at all what you said because of I don't follow up with you at all! WOW. She is the winner. KIM from supervisor team. ** After I have to tell her the same story for 3-4 times. Hahaha. Well done and good job. 3. Wasting time and not value any customer as they used to be.

Beware. I had a Capital One account. I would often have $60 or $70 thousand charged on it. I pay bills by receiving statements, like most businesses. January 2019 I received no statement so I neglected a payment I owed. I found I owed the money when a charge was refused. I immediately called & dispatched the entire balance. I paid the charges refused by Capital One with another credit card. After all my years of history Capital One treated me like a criminal. I have to say I was very offended. After years of history with them with vast amounts of money they had no personal relationship with me whatsoever. After calling them, dispatching payment in full & sharing the bank transaction processing number they put me in with all their other flight risks who don't pay.

Capital One has helped me financially and in so many other ways. Not only am I able to have a 360 checking and saving account, but also two credit cards with seven limits on them as well. Also, they recently approved me for Auto financing and I was able to get a new car that I always wanted!!! Thank you Capital One!

I decided to "cash in" my cash rewards as credit towards my balance. Capital One states that it takes 2-3 business days for this credit to go through, so I submitted this transaction 5 days before my payment was due and I received an email confirming this transaction. 5 days later the credit was still not posted. I called Capital One. They admitted that it was strange and saw that 5 days earlier I had this particular amount of cash rewards and that I no longer have them. They said that would expedite the matter but it would not be resolved for another 5 days and would not be able to use it towards my balance. They barely apologized. I immediately closed my 2 separate Capital One accounts. Their customer service was despicable even though it was entirely their mistake!

Navigating the mechanized prompts completely frustrating. When keying in answers to questions the system doesn't recognize. Finally got to a live body as transferred to Philippines. Representative spoke broken English and it sounded as if there was a party ongoing in the background. Asked for a supervisor and was put on hold for over 35 min with no update and then ultimately disconnected. Capital One is dysfunctional and inept and would recognize customer service if it slapped them in the face. Next time I need to call Capital One customer service and get transferred to the Philippines will be the last time I do business with Capital One.

I am upset with the practice of residual interest billing when one calls and request full pay off balance payment one month and then gets billed hundreds of dollars the next. $234.87 I owed Capital One AFTER I was told pay off balance. I was quoted another payoff balance and everything was great until I asked if there was another balance next month. Yes, $38.00 and I had to laugh. How many times to pay off the account. It must be paid twice for two months straight. It appears to be a scam but really the lesson is DON'T USE CAPITAL ONE. They really are in your wallet. I will be advocating to all who listen about this business practice. It's shameful. It's wrong.

I called and spoke with Michael on the due date of my business credit card and received a waiver of that month's payment and finance charges due to the fact that I have clients affected by the federal government budget freeze who couldn't pay my invoices. I appreciate it. Good to know that they understand our businesses are about people who have everyday issues that affect us running the business.

I never thought that a Credit Card could be so bad and ancient! For two months, they have not been able to provide me access to my online account citing technical issues. I am not able to view transactions, make payments or redeem rewards online. I have to wait for my paper statements to view transactions and send a check for payments! They don't show my rewards on my statement again citing technical issues, so I don't know how many points I have earned or how can I redeem them. This is by far the worst credit card ever. I had a Checking Account also with them and closed it as the service was poor, but I thought I should give them a chance with the credit card. No, never again! I just want to get my bonus points and close this account for good. Even after escalating the issue and sending in a formal complaint, they don't take any action.

Opened my credit card account 5 months ago. Payment due date was on the 8th every month. Just checked and they changed my due date to the 4th of each month without any notification. Glad I caught it. Be careful!

Customer came into ** Motel, card was present, swiped the card. Customer signed the receipt. Customer had no complaints about anything. Capital One refused to pay the ** Motel because the card was swiped not used the chip. Motel was not set up for reading the chip and Capital One knew this, refused to pay based on only that the chip was not used. Customer had not filed any complaints, this was all on Capital One. Warning to all merchants, if you take Capital One cards, you may not get paid for your services. Owner ** Motel Oklahoma.

I set up autopay on the mobile app to pay my balance in full 14 days BEFORE my actual due date. I was going on vacation and wanted to settle it. An error occurred with the account info and it was returned. I called customer service 2 days later and was told the account was closed due to the returned check. I paid the account in full (because it was the only option I was given), keep in mind it is 7 days before the due date and currently waiting for a review to reopen the account. I have only had the card for a month. $300 credit limit with the $39 fee assessed and only being notified a few days before the statement notification and my account is closed because of an error that was cleared 7 days before the due date. Seems surreal to me right now. I was advised, this is detailed on the terms of agreement and subject to review. I’m not sad the account is closed, I’m sad I was trying to rebuild credit while trusting this company.

I'd avoid it like the plague. We were on our annual trip to Costa Rica when I received an email questioning a charge made locally for $12.64 from Capital One. As I'm not opposed to security, I clicked the link saying it was our purchase. However, it did make me nervous as we'd already been in Costa Rica for a week and had made perhaps 20 charges already. What was going on? When we returned to the United States, I went to log into my account at Capital One. When I did so, I got a pop-up message saying that they did not recognize the location of my computer, and consequently were locking me out of MY account. They allowed 3 ways to get access. One was a text message sent to me with a code; I do not have texting capability. Another was to phone an automated number; I would be given the code. The third was to call Capital One -- they listed a number.

DO NOT GET A CAPITAL ONE CREDIT CARD. Today, I cancelled my Capital One Credit Card because after I paid off my credit card in full. They charge me $16.65 interest. When I called to find out about the charge, the person was not helpful and I had a hard time communicating because he spoke limited English. I will never do business with Capital One, be careful about getting a credit card from this bank... They are a RIP OFF.

I purchased a flight on a Friday night, but Saturday comes and I find a better deal (+$800 in savings). I called the next morning and the first lady said since the cancellation policy is within 24 hrs of a business day that I can cancel it. I said I shall double check if the tickets are still available before making the choice. The second lady and her supervisor said this is wrong. But if the option shows on their screen in the first place, this means = it's possibly but we would lose $ out on it, therefore we are forcing your hand. I am just going to churn my points and revert to their Venture One for Hotels.com and never use this card for anything else. Also, their portal makes everything more expensive.

Have only had my card for a couple of weeks. Used it one time to pay a bill. Noticed that that transaction was "pending" for a few days. Called Capital One to investigate. They told me that my account was restricted for fraudulent charges. (They said that the one and only charge I made was suspect.) Sent them numerous forms of ID per their link and still can't convince them that it was me who made the payment. Sigh. So my account is still restricted. Cutting my loss and going with a more professional company. Customer service is a joke. Truly seems as if they don't have a clue.

Unfortunately, Capital One failed to protect their customer identity and privacy until it feels like Capital One itself is just a big Fraud. Banking with Capital One is really headache and waste of time. Customer service is hard to find. When it is found, it is unskilled. It is not a 21st century banking solution. Forget it.

On August 2018 I saw a Capital One commercial about new customers we can open accounts with them online and whatever I am. I was called to the Capital One Customer Service Representative to ask if they have branches in Florida. They are said: "Yes, we have a Capital One cafes and you can go to resolve your problem with the account. You can receive wire transfers and direct deposits in your account without problems." On September 2018 I was open my account. Capital One bank never sent my documents, never registered my signature, and tell me about the benefits of the account. Only send me a debit card without a checkbook. Later I requested a checkbook and I apply for to credit card with them.

Whatever you do, do NOT be ONE day late. My payment was due on the 18th. When I went to my account on the 19th they had tagged on a $25 late fee. I usually set my bill every month to pay automatically on the due date and deduct from my checking but I busted my phone and could not see to sign in. When I called to pay it it was a 9.95 fee that's why I decided to pay it on the next day when I could get on a computer and pay it for free. I have always paid on time or sometimes early and to do this is unethical. No grace period. Pay on due date or pay them $25 for nothing.

Capital One cancelled both of my accounts for a payment that was returned. I have never been late on payments or missed payments. I didn't receive any mail or emails stating that my accounts were going to be restricted. I called customer service and explained what happened. I was told that they were submitting an appeal to reopen my cards and that I would hear back within 7 to 10 business days. I received two letters on 01/29/19 stating that my accounts were closed due activity not being consistent with their expectations. What does that mean? For someone who has great payment history, you would think a mishap would be understood, right?

I just recently found out that a credit card was opened in my name and fully maxed out with no payments for months. The only reason I found out about this was due to looking at my credit score which has always been in good standing. The only credit cards that I have are shared with my husband and both of our names are on it. Never once have I received any notice about this account in the mail.

I am currently on a one week vacation. I received an email from Capital ONE this week indicating that a new card had been mailed to my home address. Today, the card I am carrying was deactivated! No call, no notice. All transactions refused. Apparently when a new card is delivered, the old card is deactivated -- despite the fact that the expiration date of the card I have in hand is 2 months from now. So here I am, in another state without a credit card to bill lodging, transportation and meals. No way to make this card work. This is the second time they have done this to me. This time, I was on the other side of the country. Last time, I was on the other side of the world. I called customer service - they were unhelpful and not sympathetic. As soon as I get home, I will cash in my rewards, pay off my balance, and cancel this card. If I can't rely on it when I travel, I don't need it.

They closed out my account because of inactivity and maintaining a $0 balance. They NEVER sent out any notification that the account was about to be closed. They never mentioned it to me when I called in 2 months ago to get assistance with logging into my online account. When I called in, the representatives advised that "because of the way the account was closed, it can not be re-opened, and that I would have to just re-apply and open a new account." This is ridiculous after maintaining this account for 5 years +/- and never missing a payment. Always paying on time... They decide to just close it out without even sending a notification in the mail stating that a closure is pending unless the account is used.

I have a total of 5 accounts. I recently got married & applied for a new credit card with my new last name & the customer service reps were AWFUL & sarcastic. When I tried to figure out why I couldn’t activate my card the rep told me it was under fraud alert for “some unknown reason” when I pointed out, "Hey I just got married. Do I need to send my marriage license?" I already sent my new social security card through the email link they sent me when I first applied. He purposely misspelled my email address so I couldn’t get a link to identify myself. He couldn’t understand my phone # although the info is the exact same on ALL 5 ACCOUNTS.

Stay away from these guys. I have had my credit card requested to 6 different addresses in a year, they have no security passwords for your account anymore so anybody that might have some of your info can change your address. I had a new card sent and before it reached me someone called in and changed the address. I have decided to take the credit score loss and close my account, it's just not worth the headache. Worse customer service ever also!

AVOID Capital One. Received damaged goods from vendor. Vendor stopped communicating and would not provide return address and authorization for refund, per the vendor's policy. After getting the 2nd opinion that the goods were damaged and irreparable Capital One ONLY REFUNDED 50% of value as I still had the damaged goods even though I would be willing to ship back if I had an address. Once my miles are used I will be very happy to leave Capital One. WORST CUSTOMER SERVICE EXPERIENCE EVER!

I have been a loyal customer of Capital One for years, but my recent experience with their rewards program leaves me wanting to cut up the card and switch to another. It began simply enough, I have 2 cards, and I wanted to transfer my reward dollars from one card to another. They promote the ability to transfer rewards easily, and when I do the transfer it just tells you that you are transferring money. No indication that anything else will happen. But if the account that receives the money is not set up for the same rewards program, in my case it was set up for miles, the incoming money converts to miles at a reduced value. Then if you want to redeem what is now miles for dollars, to pay part of your bill for example, you end up with 1/2 the money. In one click they take 1/2 your reward money and there is no way to undo it. Customer service is no help, actually quite nasty. Time to move on!

Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". My experience as a Capital One customer was an unpleasant one, an unpleasant experience that went on for several days, placing me in a position where one's professional composure could be saturated, provoking unprofessional behavior.

Been a customer for 10 years. Never missed or had a late payment. Have a large credit limit and only a few hundred were currently on the card. Was on vacation and used it for dinner just fine. Then went out after dinner and card was declined. I got a text message on my phone warning me of a fraudulent attempt and asking me to approve. I approved it and text message back said I could then charge it. I got denied again.

My partner has a Capital One 360 money market and sent me an invitation to become a joint owner. When I click on the link that comes from Capital One email, it refers to content that simply is not there. When I try to complete the application, it says I already have an account. This was opened 2 years ago from a crook who stole my identity and was immediately closed when I learned about it. Capital One said 3 weeks ago they had to "escalate" this to "close the fraudulent account" and someone would "contact me" but this never happened, the account is still open, and I can't become the joint owner of the 360 account. They simply are failures on all accounts. Be advised, run, do not walk, to another provider.

I opened one credit card with own money. It’s say secured credit card in 2015 but last month I closed that card. I told them to return my security deposit money & from 40 days they are playing with me. When call them they giving me reply, "Sir you will 7/8 business day." After 8 days again same thing. Till now I didn’t get my money. If we pay them late money they charge us late fee interest & report to credit company. For them everything fair because they are big companies & one more thing I open more one credit card from other bank & same time I close also but they send me money back on time. Thanks to Citibank for their service. Shame on Capital bank. I will suggest to my all friends & family never open any account with this bank.