Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.