Capital One Reviews

I'm in Canada and we were lured to Capital One by Costco Canada, who is pushing this poor excuse for a customer-facing company. In short, I cannot believe the arrogance and customer-unfriendliness of this company! They gave us a measly $6000 limit for their "Platinum" card. We've tried asking several times for a credit limit increase and they refuse, each time coming up with a different flimsy excuse. We pay in full every month and occasionally need large purchases (a trip, replacing our furnace, etc.). I used to be able to get around the limit by making a big manual payment (like $8000) to get "extra" credit space for large purchases. But not now! They seemed to have closed this "loophole". I tried this trick to buy new appliances and I should've had enough for $9000 worth of products. But what do they do? They CAPPED my credit to $6000!! WTF?? Now my "balance" is only $2700, but my "available credit" is $0.

I had a perfectly operated - no problems checking account for over 15 years. I would deposit checks from another customer in the same branch and the amount of the check showed up as funds. I did this for several years. Capital One closed my account with no notice to me. When I went online I found my account closed and another in its place with a new name. Today I deposited a check from the same customer and the check was supposed to be processing. I no longer can access those funds the way I did before. My strong concern is that I was NEVER INFORMED OF THE CHANGES though I have been a customer of the bank for over 15 years! The Branch is in Laurel, Maryland, off Route 1.

So far I found Capital One US has worst customer service and website. I have been customer of Capital Canada from 2006 and noticed the huge difference between both operations. I applied for the Capital One US secured credit card and submit my documents online and got the acknowledgment. But after few days I received a letter that I need to send these documents by mail or by fax. I searched the website to check an option for the application status but surprisingly there is no option available. I called the customer services and I was on phone and listening to the pre-recorded message "due to high call volume blah blah..." for half hour and finally drop the call. Finally I sent the fax that I don't need your card and I am better off with someone else who has value for the other people time. So if you are thinking of getting Capital One card keep in mind that customer service is worst.

Been with this ** waste of time company. Can't raise limit. Won't budge a bit on small payments. Been with card 3 years. I ask for credit limit increase. They say no. Never been broke. Always paid card off in full 300 or plus increments still nothing. Do not sign up with these guys. Went all out tryna build some record with them but it seems I'm justs some 300$ chump to them while can't buy ** over 300 so use my sister's card more often than I can use mine and I always pay everything same month and more. Always put 350 to 400 on card so when my limit hits next day I have money carrying over but no, not good enough, not valuable enough client to raise limit in their books.

Where to begin, where to begin... The Capital One Quicksilver Credit Card has a very high APR. Let’s say you decide to pay $35.00 on your balance — you’d be looking at about 21 percent in interest (which is $6.00). So realistically, you’re only reducing the balance amount on the card by $29.00. The interest is applied unless you pay off the card completely. And then there’s their membership fee which is $39.00 a year. Now you’d think a membership fee sounds a bit more attractive, right? Like it would come with some perks or discounts. Yeah, no: their member fee is just an annual fee. There’s nothing for you when using this card.

A word of caution...I had a secured credit card with Capital One - I had sent them $1000. For years the experience was pretty good. They steadily increased my credit limit. Eventually I was able to get a lower interest card through my bank and closed the Capital One account. A couple of months later I remembered...they still had my thousand bucks! And they sure did nothing to remind me of that! I chased after them and they sent me a cheque. So...a word to the wise.

You guys are the best!! Always get great customer service, my cash reward points are wonderful with the Savor card. I cashed in 1400.00 the last Christmas and it financed a big part of Christmas!! I have had you guys for 4 years and never had any issues. You're the only card I use and I have about 12.

Don't get this card. We wanted to build our credit, and THOUGHT this was a reputable company. They take money from our bank without permission, and not just for a payment, 5 times this month alone, small charges between 25 and 45 dollars a time. And since they weren't authorized payments, were overdrawn and caused the bank to charge us. When we called to find out what the 5 payments in a row were for, they were unapologetic and unhelpful. Not to mention the high fees they charge us per month for the privilege of this hassle.

I am so angry, and believe me it takes a lot. I verified my ID as in Canada a lot of people do this thru post office. I verified my ID, got my letter saying I need do nothing else - card on the way. So a week later I call and they say no worries, then I call and they said my ID wasn’t good? PR? Come on, it went thru post office and I had to go to Toronto to get that, then customer service swaps no help, manager was so rude and I was so kind too. 3 hrs later they said, "Nothing can we do about it", and hung up? Isn’t that breach of a contract? TERRIBLE BUSINESS. I'M CALLING MY TRIANGLE MASTERCARD AND ASK THEM TO INCREASE MY CREDIT AND TELL THEM. They will have it on computer, I even have the card number's last 4 digits.

I verified ID with post office, was given letter stating all good, then when I call you check. Still all good. I'll get card soon, yesterday the deadline I call and was told my ID wasn't good enough? Are they for real? Was on phone for 3 hrs and now I emailed ombudsman, it's unreal, they never told me or sent a letter saying anything, they are in breach of contract and I want no part of them.

I had a problem with a purchase. The company stated it was from the UK but was actually a Hong Kong company. They wouldn't exchange the shoes that were the wrong size. I complained to Cap 1 and they refunded my money... only to take it back 3 weeks later because the merchant said it sent the shoes and showed a receipt. I told Cap 1 that I had supporting documents that would prove they are liars and bad merchants. Cap 1 said they would send me an e-mail so I could provide documentation. 2 days later, no e-mail. I call. They say they can't get the e-mail through. I said, "So will you refund my money?" They say no. I said, "Well if you won't allow my evidence, and are just going to screw a long time cardholder, I'll just pay it off and cut it up." They replied... "Ok." I don't know how they get away with staying in business. They will never get a penny from me ever again.

Worst credit card company ever! First, I made a deposit and they took that money out twice, I called they said call my bank and it was their mistake. Called my bank. They said credit card company's fault, called Cap. One back. All of a sudden there’s nothing they can do. Never gave me anything back. Now I had a refund from a deposit I made and it posted yesterday. I made ONE purchase and had more than half of the deposit left over, I woke up this morning, the deposit is as if it never happened!

I paid off my balance in full for multiple payments and over a month later received interest charges from previous months that should have been included in my first or second full balance pay off. I won’t be using Capital One going forward.

Customer service is useless. Don't use for balance transfer. Capital One will take up to 15 days to make an electronic transfer all the time charging you interest. They abuse their customers and do not value customer loyalty. STAY AWAY!

Had this card for only a month. Went over my limit by a small amount due to an error in setting up payment info. They cancelled my account to due to not following their customer agreement. So they are unwilling to work with their customers and won't answer any questions when called. Stay far far away from this company!

I have been a business card member for over twenty years. Today while on business in Chile I discovered my card had been shut down. I called to ask why and they said "because of multiple attacks on your present card we had to shut down," I have no attacks on this card. They said there was nothing they could do, so I asked if they could send the new card to Chile, they said yes but 14 business days to process before sending and another two weeks to get here. So something that normally is two to three business days is now almost over two weeks. I tried explaining to the guy this was a business trip but his only suggestions were to call a family member, smart guy! The lack of understanding and service was surprising. I would advise all business travelers to not use this card.

After paying my card off and receiving a zero balance email, I was charged an interest charge. I called to ask how an interest charge was applied to a zero balance and was told that it takes two months of payments to be at zero with no interest charged because interest is a month behind. Customer service refused to waive my interest charge even though I am currently laid off and just paid my balance a week before Christmas. Crooks...all of them!

I paid off my card in full and 4 days later autopay debited my bank account $397.05. I have a negative balance with them and they said it will take up to 2 weeks to give me my money back. I did not owe them any money and they took it anyways. I called and asked for them to expedite it and the manager said there was nothing they could do. I will have to wait to get the money back. This is called theft when anyone else does it. Mistakes are part of life, but they were unwilling to do ANYTHING extra to fix this mistake. For someone else that could have been a car payment or utilities and could have caused them more problems. I will be canceling this card. No customer service at all.

I tried setting up a mobile payment on my Capital One app. At the time I was out of the country in Mexico. 3 separate times the payment came back as returned over the course of no more than 4 days. When I got back home to San Diego I called to take care of it - I was placed on hold for close to 45 minutes. I hung up because I had to go into a meeting. Called back in the very next day because when I checked my account both of the credit cards had been closed off due to the returned payments. I had NEVER missed a payment with them. I got absolutely no call or heads up that they were going to close my account. They closed both of my accounts even when the other one had no returned fees.

I just got paid (Thursday morning) to my Capital One direct deposit checking account, I go to my shared Capital One page (checking and credit card)... Filled in payment amount, went to "choose date"... IT WON'T ARRIVE UNTIL MONDAY!! My bill is due Sunday! Why can't the same bank credit my account instantly? Next day? Saturday morning, Saturday night!! What is the use of having online banking that works at snail mail pace!?! I am going to have a late payment fee, interest and a negative mark on my credit score, because of their lack of urgency... I'm so pissed.

Capital One has horrible customer service and policies. There were $500 in fraudulent charges made via my checking account. Capital One waits 10 business days to issue a provisional credit the funds pending their investigation. Bank of America, Chase, and basically every other bank I've ever banked with credit your money back IMMEDIATELY. Meanwhile, I've already paid bills from this account. So I'm screwed. Your money WILL NOT BE SAFE AT THIS BANK.

I'm now put on wait for over 1/2 hour to help resolve a very clear dispute. I had bought a Samsung phone and had returned it as it didn't work properly as it was meant to used in another country. The business took the phone back no problem. Meanwhile, weeks later I receive a letter from Capital One that they reversed the transaction as the vendor disputed what I said. I contacted the vendor and they said that was not the case and that they had received the phone back.

Don’t buy this card. I have had more payments bounce on this card just because they are unable to accommodate even a penny over the spending limit. My Chase card or Citibank or Bank of America card never does it. And I can usually talk to someone in Bank of America or Chase or Citibank and ask them to accommodate more expenses and they usually comply. Let’s say my limit is $15000 and my payment bounced due to me being at the limit. If I make a payment with my bank account, it takes 48 hrs to post and I have to wait 48 hrs to make the purchase. I am so pissed that I just closed my account with Capital One today. Look at all these reviews here! They mean something!!

Very very very bad experience... My disputed charges have been overlooked, rebilled to my account without asking me for my letter of proof that I have been overcharged only asked the merchant never contacted me.

I have been a customer of Capital One for eight years during which time I have never made a late payment. In October of last year they reported a late payment that was made on time using their app on my Apple phone. When I called to complain they admitted to the mistake and they offer to refund the late fees and remove it for my records. Year and a half later They refuse to remove it from my credit report. I have complained several times and they honestly don’t care. This company is run by thugs and scum bags. They have no idea what customer service is. I will make it my mission to tell all my customers, friends, family to never apply or use their credit cards, bank accounts, etc.

Yes, the original error was mine -- I mistakenly paid the bill on my current card but used an out-of-date credit card number held by my now deceased husband. Called two weeks later to ask why the payment had not posted. We figured out the error. They said, "Wait 7-10 days -- it'll post within that time." It didn't. Called again. Spent 4 hours working on the problem -- calling them, calling my bank to get info they needed. Then in 1 massive 2-hour phone call, during which I kept getting put on hold, got transferred to at least 4 different folks who each talked to some other person while I was on hold, conference called with one agent to my bank, the end result was “Wait 7-10 business days and the payment will post." Tried to use the card today. It was declined — payment past due. Yeah, duh.

I purchased one year Costco membership... At the time I bought the membership they (Costco) offered me a Capital One credit card and charged me for that membership on the credit card without me activating it. I paid off the credit card... Never activated it or purchased anything else with it... Then after a year I received a bill for the second year of Costco membership. I informed them (Costco) right away that I do not need the membership and was told that the membership was canceled... I called Capital One and told them that they are sending me a bill for a service that I never asked for, on a credit card that I have never activated. Capital One keeps sending me a bill every month and is adding to the interest each time. I have contacted their customer service but what they say is that we cannot do anything about it and that I have to pay the bill otherwise it will affect my credit. I am really disappointed and angry.

I had my card with Capital One for years. Never had a bad experience with them before now. I always pay my bill on time and one day they put a restriction on my card. I still don't know why. I called and waited 12 minutes before a rep came on the line. When I finally got someone they said they wanted to put me on a brief hold while they look at my account. Came back to the line and said, "I need more time to look at your account please hold." Waited 5 more minutes.

Having both of our chip Capital One credit card stolen in the past, hubby and I use the mobile alert system for any transactions over $5 (limit we set as previous $100 alert limit and $25 turned out didn't catch thieves). My hubby is the primary and I am the authorized user. We have been able to stop theft several times within seconds from mobile alerts since and made us feel secure. We both take pride in credit score over 800 so close monitoring is a must for us. It is horrible to have one main card and to have it stolen and wait for a card for days when you have daily things needing charging. We have been with Capital One for years and up until now would give them 5 stars.

I switched banks. I made each payment in July. Capital One can’t find the payment. Each month they credit my account, then they take it away. Each time I have contacted them about the payment and send required documents. Each time they say it isn’t enough to find my payment. They say it’s my responsibility to find my payment. Today, the supervisor tells me that she has spent 11 minutes on my case. Really - I have spend 8 hours on this issue, and I am the customer. Don’t expect good service.

I found Capital One online and submitted an application for a limit of $5000 to $7000. I intended on using it as an emergency travel card. After I applied through their webpage for the specified limit, it checked my credit (which is great) and processed my application and approved it. They then asked me to etransfer a $300 deposit for the card to be issued. I transferred the payment from my chequing account to their office directly (they provide the account number to you). I didn’t receive my card within the timeline they told me it would arrive. I called to inquire and discovered they only use one mail method and there was a strike so they couldn’t reissue a card with any other delivery method. So it was a very long time before it arrived.

I'm one of the top 5% customers that has always had a credit score of over 800 and a very high income to debt ratio. I watch my credit report like a hawk and I only unlock it very rarely when I apply for a new line of credit/loan once every few years. I've never ever missed one credit card payment hence my excellent score and I've never been declined ever a new line of credit. Until now. Capital One had the audacity to hit my credit report for which I've paid in 5 points lost and a hard inquiry which is going to stay there on my report for 2 years! I'm beyond frustrated and angry with them for allowing them to hit my credit report and lower my score with their sad little business! STAY AWAY from this scam!

Me and my husband opened a Capital One Quicksilver account based on commercials from TV, 0 percent offers etc. However this turned into the worst experience we ever had with any credit card in our 20 years of owning all different credit cards from different banks! Our credit score is 791 and 780 which is considered excellent by both Equifax and TransUnion. Because we own two homes one in CT and one in FL the bank needed proof of address and started asking for documentation since October 5, 2018. We submitted everything they asked for, never had a single dispute or fraud on this account or any other account. We pay all of our accounts every month on time.

Capital One Quick Silver MasterCard is a joke. I applied online and was asked to send in my driver license and SSN card a copy which I did. I got approved. 2 weeks later I received my card and tried to activate it and it didn't work. I was on hold and they could not verify who I was. Now, mind you, they sent me the credit card. Have you ever heard of such a thing. Then the account manager calls me and stated that the card is in a hold state since they cannot verify who I am and I need to reapply "Huh," are you crazy. I said to myself. This seems like a joke because none of my information changed.

Please do not sign up for a Capital One Checking Account! I opened an account with them in December 2017 and everything was going well, never once did I not have money in my account and I always pay my credit cards in time. However, I was overcharged for a hotel by a hotel company in September. I called the company and they told me to contact my bank. I contacted Capital One right away and they started a dispute. One week later and the difference that the company overcharged me was back in my account. At first I disputed the whole charge but once they gave me the difference I was fine with it. This was on September 28th, I was happy with Capital One.

I will never get a Capital One credit card again!!! I tried to make a purchase at Lowe's. My card was declined. So I had to use another credit card. After I left the store I received a text asking if I wanted to accept a purchase or decline. Well of course I didn’t want to pay twice and they already declined my purchase. So I called the company. Explained that they declined my purchase and then I received a text asking to approve or decline.

I had a problem. They did not try to help me and then hung up on me more than once. If I were you I would look for another credit card company. Check out their customer service. Capital One is a terrible company.

I have held a Capital One credit card for 6-7 years. I have 800+ credit and none of my credit information has changed in many years. A couple months ago they offered, and I accepted, to make application for one of their new credit cards. They approved me and sent me the card and all I had to do was call and activate. The end of story after wasting my time talking to 3-4 customers reps (including fraud), faxing my very secure (driver's license), and going over my info several times they still didn't know who I was, evidently. I have never had this issue with any other card issuer (I have several other cards).

Stealth charges and with no accountability. Boycott this systematic theft machine company. After over 8 years with them they have No loyalty but always expressed like they care WITH WORDS AND BS TALK. Action speaks louder than WORDS.

I called upon departure to Peru, rep says: "No problem." I arrive to Peru...Problems!!! They cannot process MasterCard, need PIN for simple renown restaurants and after 3rd time, spoke with supervision and they say... "No problem." Yet, in real world I am worthless with a Capital One credit card. Thanks Capital One. Sure, it’s the merchant's fault, all of them. Oh, and as for telling me to look at my credit card account online, just been told, "Oops, we have a problem, pleased call." Shameful.

I have been a personal banking customer for many years with a "dba" as I am a sole proprietor of a landscaping business, as this was the advice of my banking associate when I opened my account in Chester, MD on the Eastern Shore of MD. When I opened my account there were (2) locations of Capital One Bank within 20 minutes of me. It wasn't but a year of my opening my account these locations closed allowing me little or no access to a physical banking institution. The closest Capital One Bank location is now at least an hour away. It forced me to do my banking online, which I was not so pleased about, but continued to do my banking begrudgingly until this past Monday, December 10, 2018.

ended. On my credit report it shows that I made recent payments and this is simply not true. I have reported them and the attorneys who have conspired with Capital One. They are all slimy, grimy, and dishonest. We all need to watch our credit reports and fight back all of these unscrupulous people!

I made an overpayment and ask them about the refund I made follow up almost everyday and get inconsistent information as to when I would receive it. I am very disappointed to the fact that if I miss a day to pay they will charge interest ASAP. Now that they need to refund me they are pending or using my money, I am in doubt if I would still continue to use this card or better yet find another credit card company that is satisfying and is able to provide my needs as a customer or client.

I open a Capital One account to Receive my Retired checks. Its been 6 months I know my amount I don't spend much on this saving acct. I notice recent that my money was not adding up to my Balance that I saw weeks ago and again it Happen 350.00 dollars again 400.00 more within 4 days and 255.00. I went to the Bank first time and I was told that it came out of my card paying for purchases I did over the internet. “No no way” I told them this is my second time complaining. Again I never order anything online. I told them to check the transactions on file cause it wasn't me. I don't give my card to no one. I want my money back now at once. No record of transactions at all.

Don't use Capital One for anything especially credit cards, their employees don't know anything about customer service or how to do their jobs. I don't think training will help Capital One to compete with any other institutions. They manipulate accounts and try to add fees and also they decided to not send me a new card because I have to send them my social which I'm citizen here, don't know why. Maybe they want to sell my information because there is no other reason they need a social security card to get a replacement card, never heard that in my life. Representative put me on hold over 1 hour to talk to a manager by purpose, rude, unprofessional. Go open a credit card with a company that doesnt charge 26.95 interest rate or maybe try to sell your information especially if you have good credit. I thought scams don't exist anymore. It seems you have to protect your identity even from Capital One.

I just got notified that my "free" (with direct deposit) checking account is being switched to one that charges $8.95 a month. As a Social Security recipient, I won't be able to keep the $300 minimum balance required. Two years ago, after shutting down the 4 closest branches near me, the closest branch is about 50 miles away. The latest Capital One ads show 'cafe' branches... Guess they have to pay for them some way. I'll be looking for a bank that is more supportive of the older generation - retired and on a fixed income - rather than looking to impress the younger generation with the cafe's bells and whistles.

Recently had a terrible experience, scammers hacked my WIFI and planted phony numbers for Apple Support. When I called they told me I was part of a large security breach that required buying Google Play cards for which I would be reimbursed to identify my IP address as unique from hackers. Realized in the store something couldn’t be right. Called Capital One to Stop Payment, ($4150). On the phone they indicated they would and cancelled my card and issued a new one. After 2 months they decided they couldn’t stop payments I was responsible, Google is also aware of this common scam. But since Capital One, Google and the scammers are all getting paid, their crime circle and spree continues. I regard Capital One as criminal, and needless to say not an advocate for their customer— rather an accomplice for assisting theft.

I had tried paying for school fee for an amount of $250. Unfortunately I did not know my checking acct did not have enough, I did have more than $48,000 in my savings though. Needless to say my school came back with "insufficient fund" and a $30 fee. I called Capital One and was told that since I did not have the "right settings" to allow my checking to draw from my saving for overdrafts, that there was nothing they could do. I asked if there was a way that Capital One could help with the $30 fee. I AM SO DISAPPOINTED!!!

Since June 25th 2018, Capital One 360 banking has been holding a wire transfer hostage. They have restricted my account and have not told me any information. It is now December 10th and I still know nothing. The sender recently sent me the receipt and proof that he walked into the bank and made the wire transfer. I don't understand why Capital One 360 banking and their so-called security goon squad of Crooks are holding my money hostage. This is the most ridiculous thing I've ever experienced in my life. Do not bank with Capital One ever ever ever ever. It is the worst bank in history.

"I am sorry." That is all I got from the customer service after being on hold for 2 hours. I did a balance transfer a year ago. When I made the last payment, I closed the account. The system confirmed the account was closed. Then two months later I got a bill for almost $100 with two passed dues and some interest charges. I called and complained and all I got was "I am sorry." I will never do business with this bank again.

I didn't even want to give 1 star to them. I have good credit score and never missed my payments. But on an unfortunate day, I applied for Capital One, they accepted my application, under review on SSN verification, I get my card, I gave them permission through form they provided for SSN verification and it's been a month and I still can't use my card. Reason they have a special team which created the case against me, I don't even know for what, no fraud can happen, coz I gave them papers they need, been in touch since then, and mind you, I am calling them not them.

I am so fed up with Capital One. This is why. So my husband has bad credit and a low score and was approved for a platinum card. He doesn't even work. So guess who pays the card. I do. He then applied 6 months later gets approved for the Quicksilver card. Again who pays it. I do. I have an Experian credit score of 635. Applied for Capital One and I get denied. But guess who has the car loan with them for over a year and no missed payments. Again, I do. I am so pissed. However, it's funny how this card pops up on all my credit apps with good approval odds. Such liars.

I have two complaints: (1) Deceptive advertising (2) Capital One is refusing to let me know what my balance is and debiting from a checking account I do not authorize. 1. Capital One conducts periodic account reviews. November, 2018, is my twenty fourth month of on-time payments. As a result, Capital One increased my credit limit automatically; I did not ask for a limit increase. However, Capital One informed my card is restricted and it cannot be used until all of my authorized users mail a copy of their driver’s license and social security card. I currently don’t have any authorized users and believe this is cumbersome because I use to have 7 authorized users a few months ago (I requested to have my authorized users removed in August 2018).

I've been a customer for over 2 years. Never missed a payment. I moved and changed my address. When I did, they switched my billing over to paperless. By the time I caught it, I had missed a payment. I called to find out where my bill was and was informed of the paperless switch. I submitted a dispute for late payment due to billing mishap, but I keep getting several different responses from different reps. Customer service and caring about their customers is horrible. They will not take ownership for their mistakes and refuse to send me record of when I switched to paperless billing.

I should of read the reviews for this company before setting an account with them. Earlier this year, I signed up for the Secured Credit Card in hopes to restore my credit. The first issue I had with them, was when I submitted my first payment. I submitted a full a payment to pay off the balance, since I was leaving for vacation. The day before traveling, I noticed that my credit card was "restricted." I called customer service, and after being transferred to numerous representatives, I come to find out that they restricted my card because they were having trouble "confirming" my payment. As I am on the phone with the representative, I sent copies of my bank statement showing the payment was deducted from my banking account. After going back and forth, they eventually released the restriction and I was able to use the credit card during my vacation.

Love my bank and have many good experiences at their brick and mortar branch but the bank now has a new website platform that even after a month is riddled with issues. About 80 percent of the time, the website is not functioning. Trying to reconcile is impossible because the accounts are either not up to date with postings, or you just cannot log in and then the website says, "oops hit a snag" and "working on it." As much as I love the bank, I am going to have to move to another bank which in itself is a pain since it involves several linked business accounts. After ten years with this bank, it's time to say goodbye, old friend.

I applied for a SaksFirst card and was approved on the spot. I took a week of looking around and finally made my first purchase of $424 on Christmas gifts and awaited my physical card before I was going to do any more shopping. I got my order from them and wanted to pay the order off of my card, so when I got the physical card I attempted to sign up for online access. I was given the message that my account was locked for security reasons and that I needed to call to have it unlocked. I called every day for a week and no one could explain to me what was going on. Finally after a week of calls an agent gave me the number to Capital One because she stated my account was under fraud investigation.

We opened an account 2 years ago for our Plumbing Company. Bought 3 vehicles and numerous tools totaling somewhere in the neighborhood of 100,000. So we can get points with GMAC. Huge mistake, they closed/restricted my account without warning. I have spent hours on the Phone and the reason they gave me was because one of my employees who was added as a signer is not a US Citizen. I asked them why this would come up and was told because his Last Name is ** and we need to send a copy of Social Security card and passport. After that was done they said we will get back to you in a few days. My other employees who were added at the same time did not have to supply this information. This is totally unacceptable and not right. I do not believe that it is my credit card company's job to police the validity of my employees. Please find another credit card company. This one has lost their way.

Capital One is a horrible company to work with! I've paid off my car with them and had two (2) credit cards open with them that I paid off. They closed both of my credit cards without notification after the fact that I paid them. The first rep I spoke with said due to fraud. Then I was transferred to Jeff who then transferred me to Sheia. I was then advised the cards were closed due to the return of payment. I advised I had called in the day I was aware of the return because I had paid/Set up payment online. I enter the checking acct number wrong which caused the return of payment. I was not made aware if I paid my cards off in full they would close the accts even if made aware of a human error.

We have been a Capital One Spark Business card holder for 4 years and have never missed a payment. We have spent over $349,000.00 on the card over this time period. All of a sudden one day we received a letter in the mail that they have made a decision to cancel our card due to our business classification. We are a financial company. We have been in business for 54 years. If they no longer want to business with my company because we are a financial company, does that mean they are canceling all their employee credit cards that they may have because their employer is a financial company?

I would alert people who are thinking about opening account in Capital One. Since recently, I have been Capital One's customer for more than 4 years. Situation: I was selling my couch because I was moving. Since I do 100% of my transaction online I have no experience with cashier checks. I received some checks for the couch I sold and I very innocently deposited them. I trusted "my bank" to protect me if the checks were fake. 5 days later bank without communicating anything to me closed my account. It's been 30 days I have no access to "MY MONEY" and "MY SALARY". I have no funds because this ** bank didnt even inform me that they closed my account and I have no idea where my money is. I called the customer service and they shouted at me saying I put the bank in risk. It's hilarious. Dumbest people work for this bank with no communication skills. I am for sure going to take legal actions.

I've been a Capital One customer for about 7 years. I've never gone over my credit line of $500. I've never been late on a payment. I happened to add my Capital One credit card to my Amazon Prime Account to make a purchase. Somehow I must have added it to my default payment for my Amazon Prime membership cause Amazon tried to charge my membership to it. I already have an Amazon Store card which is default payment. I get a notice from Capital One that $5.99 was denied to Amazon. 61 cents over my available credit line! Harsh! Capital One gets zero stars for this experience, but aside from that, they have been consistent. Next time I will know if my purchase goes over my credit line by 1 cent, I will be declined!

I recently received a Capital One Venture Card being foolishly enticed by the 75,000 mile bonus after spending $5,000 in 90 days. I attempted a transaction for $8,000 having a credit line of $30,000. It was denied and after 25 minutes on the phone while standing in the store I finally cleared all of their hurdles with four separate reps. After which I was told that it would take 20-30 minutes for the system to clear, then the store could then run the card again. I gave up and handed the clerk my AMEX Platinum and completed the transaction in 15 seconds. When I returned home I canceled my account with Capital One. Being approved for a card is meaningless if you cannot use it.

I try not to post a lot on social media anymore for personal reasons but I just had to speak out about this and please feel free to share. I have been a customer of Capital One for 9 years and have a perfect credit profile with them. I have repeatedly requested a credit line increase to bring that card in line with my others. Currently I have a 4500.00 line with Capital One and all other cards are double and triple that. But to no avail I keep getting denied. When I call they say, "We are sorry sir but it must go through the automated system." I politely told the woman that Capital One was the only card I had that charged a annual fee and I had a credit score of 799 (Equifax) 775/786 for Transunion and Experian. I’ve continually applied for a increase to no avail. Needless to say after December Capital One will not be in my wallet and I recommend to anyone else that wants a good credit company to steer clear of Capital One. #share #notinmywallet.

The worst company in customer services and fraud departments. They duplicate my transactions for an airplane ticket. Then when I asked them, they canceled both, as a result I lost my plan. A month later, they charged me back the entire amount without any reason. I have contacted my airplane company and they said no, as I already provide them with another method of payment. They denied yet and I do not know what should I have to do.

Capital One is the only company in my experience that keeps messing up with requests submitted through Customer Service. I had one late fee assessed in a year that I requested to remove it and they gave me three different lies why they cannot remove it (I called back to check). Even a conversation with their supervisor was a dead end: cold, no empathy, no help. The only way to submit a complain is with him, seriously?

I have been a credit card customer with Capital One for over 16 years now with not one late payment and recently I went into the hospital due to my Crohns Disease and my payment was late by 4 days. The company declined my card when I went to make a purchase. My credit card score is over 800. This is how Capital One treats a long time customer with not one late payment. Southwest Visa did not cancel my card and my Costco Visa did not cancel my card. Wonder why Capital One did that to me? As soon as my card is paid off I am going to destroy the card and cancel my account. Please do not ever sign up with this company.

I am an American living overseas. I've used my Capital One card with no problem for years overseas. The last two months I have been cut off from viewing my account online. If you don't have a US phone number you can't get past the two step verification that is now required if signing in from overseas. So for two months I haven't been able to see my charges, just phoning in to get my balance. If they don't resolve this ridiculous requirement soon I will be forced to drop the card as I can't fly blind too much longer. Who thought it was a good idea to cut off their customers from seeing their credit card activity?

I've been with Capital One over year now. I just closed my account yesterday. For the past 4 of 5 month my credit score has been going down. I do not know what the hell they are doing but I make all my payments on time. I even called them so they can explain this to me and they told me that I have to call the credit bureau. It makes no sense. They are the ones that made the mistake. Why should I have to go through all this? Hopefully we can open a class action lawsuit. This people need to learn... I'm a very unhappy customer. Their customer service suck???

Capital One credit card is a ripoff. The first time I got the card they charged me $75 and they said it's only one time annual fee, but they kept charging me $8.35 every month as fee plus their interest. When I called to close my account, they transferred me to four different supervisors to convinced me to stay and they offered me a six months free of annual fee but I rejected it and closed my account.

If I were approving credit card applications, I would want to minimize the risk of not getting paid. I would focus on credit score, income, monthly significant bills, like mortgage, credit card and car payments, etc. My credit score is almost 800, our house is fully paid (no mortgage), we pay our full balance of any bills (including credit cards) monthly. But I was rejected because I am not carrying balances, and I applied for a couple of credit cards at the same time. Seems my 6 figure income, no mortgage, no outstanding debt, high credit score don't seem to matter to the wackos that make the decisions. But in their denial they say I can subscribe to some service to improve my credit score. These people must be on some strange meds, 'cause the credit score seems to be important to raise (when it is already high), but their letter does not even mention it.

Often when I call Capital One regarding an issue with payments, the customer service cannot locate which account I have, "are you 360? Are you banking? Are you capital one bank card?" They bounce me around agent to agent, even after I have given them my phone number acct number, card number - the works. Most recently, my card does not work overseas. I travel a lot. A lot a lot. It randomly stops working. Gets blocked for fraud suspicion... And then when I try to call customer service... It's hell on earth.

Had Spark for 7 years, never missed a payment since opened. They increased line once to 1500. Past 12 months alone paid that limit back 7 times, about 10K. They refuse to increase it. If you're in business and need a REAL credit card, try Chase Inc or Bank of A. At least they don't treat you like children. Will NEVER recommend them.

My payments are due the 25th of each month. In October I mailed my payment October 20. Normally around the 25th of each month, I check my email to look for a payment confirmation. I didn't get around to doing so until October 29. I discovered a notification that my payment was late. I authorized a payment online thinking that maybe my original payment had been lost in the mail. I then put a stop-payment on my original check because I couldn't afford 2 payments. My bank charged me $34 for the stop-payment.

If you have any questions about the Philippines be sure to call 1-800-CAPITAL. I been to Manila, Puerto Princesa, very beautiful. Check out the underground river if you ever go. I'll start off by saying that I'm all about cutting costs, but like with every decision we make in life...it comes with an opportunity cost. In this case, you are able to hire on X additional people from across the Pacific to save money. Unfortunately that also means you end up providing literally the worst customer support team process I've ever came across in my entire life. [Obviously I searched on Google to find this site, just to vent on how frustrating these past 2 days have been.] We all know it's not the men and women from PI in their 20's who are responsible, it's their leadership. Capital One Philippines Support Services - Management team up to Richard ** have succeeded at establishing the most underwhelming and subpar support and verification process in the market.

I only recently opened an account with a secured credit card with Capital One to help improve upon my credit score. Immediately upon receiving my credit card I activated it and used it to pay two bills for my partner. Shortly thereafter my partner attempted to pay my balance using his bank account. We entered his routing as well as account number as listed by his bank. A few days later the payment was “returned.” We tried, once more to submit payment. Again, a few days later the payment was “returned”. Reason for returning was stated as “Incorrect Account Number”. This could not be as this information was gotten directly from his bank account mobile page.

I am so freaking upset, I have never missed a payment. Got one credit limit increase to 500.00. (At this point, was thinking oh this could be a good credit card.) Absolutely freaking not! My credit score has went up from 480 when I started to 600. Requested a Credit increase. They send me something about too many inquiries. I said "I was looking for a car!" I said, "Please challenge this decision." They said, "No sorry we can not do this." I said, "Look. I have been with you almost 2 years now. Never missed a payment, always managed to make it all the time being a good customer." They didn't care the slightest bit. I wanted a limit of 1k. This should be do-able even with my new income that I got over a month ago. I will be cutting up my card and being done with them from now on. (Listen to the reviews.) I didn't notice this tell I started to search it. God forbid they try to take care of the people taking care of them.

Cash advance fee of $10 for items purchased through Access Securepack was charged incorrectly but customer service says it cannot be refunded. It was not funds items were selected by me before check out. When I called the customer service line the rep (Bree I believe she said) told me that any merchant can code a purchase as a cash advance. I’m pretty sure that’s not true (actually I’m 100% sure that’s not true). When I asked how to know an item was coded as cash she said there was no way to know in advance.

Recently I had the experience of having two separate transactions declined by Capital One. In both cases the merchant was Amazon. Rather than repeat what happened, here is the email complaint I lodge directly with them: "FOUR TIMES I have had my credit card charge (card ending in **-1266) declined when making a purchase at Amazon.com. FOUR TIMES I have contacted you demanding to speak with a supervisor. Four times that supervisor has told me that my account showed no decline. Obviously there was, and FOUR TIMES I have asked to have your IS people look into your computer system as there is obviously a flaw. I have a credit limit of "five figures" always pay on time. Your supervisors have refused to do this, insisting that there is no problem.

Background: Rec'd a credit card (0%) 20 yrs ago from this same company. Within weeks, there were so many issues with the company. I sent back the chopped card and said we're never dealing with them again. But... We sold and bought a house this year. 1) The 1st mortgage company had a finance guy who kept erring (and we dropped them even though we used them for yrs on our last house) and in that process, we kept asking him to not make hard inquiries until we were ready to buy a house. That's not what happened. We went with a different mortgage company. Our scores dropped a couple pts. 2) We got a card (for points only) to buy a couch. We paid off the loan as soon as we got it and turned in the credit card.

I am very offended by being rejected on a credit card application. I have a very high income and no debt. I don’t understand why my application was denied. I’d recommend going to Chase instead. I am going to close my existing Capital One account.

I was recently approved for a Capital One Platinum card. I called customer service several times because a charge that was declined posted as a pending transaction and was counted against my balance for more than 48 hours. The reps that I spoke with were extremely courteous and knowledgeable, and very helpful. I feel good being a part of the Capital One family because of the stellar customer service.

Paid my card off that I have had for 18 years and got a statement showing they charged me 39.00 for member service and .50 for interest. I called customer service and the young lady said she could not do anything about it. I told her I want the 39.50 waived and she said I had to talk to her supervisor. After a 30 min hold the supervisor did not care and said they can’t waive it. I told her to cancel my card. She did and they hung up on me. I will never use Capital One again, I have a card that was bought out by Capital One that I will pay off and close as well.

I've been trying to get into my online account for days now. Every time I put in my log in details, it just says they can't recognize my device. Who cares? I never asked you to do that! They say the only way to "verify" my identity is to call them, but there is no customer service to speak of. For some ungodly reason they cannot simply send me an e-mail access code like every other civilized company would do in this situation. Frankly, I hate this company for doing things like this. Note to management: implement an online chat for your customers to get help (not this useless FAQ crap), and fix your authentication methods, because you are way behind the competition here.

I was very satisfied with Capital One for years until my card expired. They supposedly sent me a new one that I never received so I had to spend forever on the phone requesting a new one that was supposed to arrive within days, which never did. They changed the number on the card in case of fraud which interrupted all of my autopayments and since I didn't receive a new card I had to move everything onto a different credit card. I had to completely change my payments and work around different credit limits and missed loads of payments due to the interruption which still has not been resolved 3 months later. My credit score has dropped and I am stressed and frustrated because my finances are all mixed up. I'm SO disappointed with the way Capital One is set up, making it difficult for customers to speak with humans and get problems solved.

This is the worst company for either banking or credit cards. They also en masse change policies with no notice whatsoever. Unbelievably awful experience. I'll never do business with them again. I can't wait to open new accounts elsewhere.

I was asked to provide proof to change my address because of fraud. Now who would commit fraud on their own account. This is very unprofessional to ask customers to submit proof to change their address. I don’t have problems with my other credit card companies when charging my address online. The customer service is rude and unprofessional and why send in proof when you verify everything by phone when a customer calls. I will be closing my account and go where I get great customer service and not charged a yearly and monthly fee just to have a credit card.

Overlimit fee not explained. First of all, it is shameful you pick and choose when the account can over and not notify the client. I could be stranded on a desert highway without gas for my car and you won't allow a penny over... Yet you did me a favor by charging 29.00 for a 5.00 courtesy that I can not see on my statement? Horrible operations.

I believe you should always show and share your appreciation for kindness. So I need to share my experience with my Capital One credit card. Please take the time to read this, I would greatly appreciate my story being heard. With that being said I called to make my payment via phone November 1st... I was confused to hear the automated balance was $700 dollars less than my statement balance. I quickly pressed 0 for customer service. Long story short I insisted to escalate the call as to the fact I thought it was an error. It was brought to my attention that my active duty husband enrolled us in SCRA (Servicemembers Civil Relief Act). It’s a program that lowers interest rates to %4, not late fees or membership fees and no finance charges for the duration of his deployment.

Sit on hold for over an hour. Restrictions on every online purchase. Why have a card that is not convenient. Respond to calls! This company is not customer focused. It is disappointing because used to care about the consumers.

I got a secured card to increase my credit and about 2 months in was told I created fraud and had to send in all this documentation to prove that the checking account I used wasn’t mine. I sent in all docs and was told to wait 72 hrs. 72 hrs pass no call so I call. The representative states, "Oh we need more documentation and it’ll be another 72 hrs." I call yesterday and was told I have to wait another 72 hrs. So 72 *3= 216 hrs of hell. I asked the representative why would I want to build somebody’s credit and he couldn’t give me an answer so I told him, "I get it. Y’all have no answers for me and can’t answer any questions without lying. I get it." My credit score dropped due to their nonsense. I have a Citicard too and never had an issue. Capital One has been jerking me around and I’m over it. Time to find a company that has better class.

I had my identity stolen several years ago, and added additional security to every credit card, loan, and bank account I have. Capital One ended the additional protection I had, did not notify me, and sure enough, my account was compromised. My address on file was changed, and a replacement card was sent out to this new/fake address.

I called to speak to a supervisor, he gave me the name "Shaquille". What for customer service was very rude to me, had a bad attitude, raised his voice to talk over me then after refusing to give me a name number or another supervisor, he hang up on me! After being a loyal customer for 2 years I canceled my Capital One credit card thanks to his poor customer service.

I have been a customer of Capital One for nearly 6 years - I started out with a secured card, then was granted a GM card and a Quicksilver card. The top limit is $750 on the Quicksilver account. I have never missed a payment, paid more (many times a lot more) than the minimum due, and keep the utilization rates low, which is hard to do when the limits are so low. I have asked for an increase for 3 years and nothing. I have other accounts that have $10,000 to as high as $20,000 limits - my credit score averaged 736 for the past 3 years. I don't get it - it's always one excuse after another. I may just close these out soon - not worth having.

My 23 y.o daughter who already has credit score around 700 (due to paid off student loan and keeping a checking account since 15), full time job, and an account with Capital One for small car loan, has applied on-line for their credit card in response to offer sent directly to her name. Her on-line application was immediately approved but then their fraud department called and informed that they put a block on this newly issued card because my daughter's address on the card application was different from the one they found by doing hard check on her credit report. They requested proof of residence, copy of identification, and SS card to be sent to them over internet, supposedly safe URL, but who can guarantee safe transition was not their concern.

So my wife applied online and gave her bank information for a $100 deposit. TWO separate $100 debited from our account. Complained to our bank and got $100 back while still pending. Card came in mail and wouldn't work. Capital One said they mistakenly canceled both accounts and we have to wait 70 DAYS FOR OUR REFUND CHECK. 70 DAYS!!! DIRTY ROTTEN THIEF **!!!

I open my account in Capital One online and then I deposited my cheque and I wait and then they said that it is bad cheque and I call the customer care service and ask what is going in my account and they said that they restrictions on my account and also deposited my cheque. They are not given my back. They said if they will gave my money and then are going to suffer loss. I have totally bad experience.

When a customer trying so hard to make their payment on time they should appreciate them and try their best to help! Not charging them late fee for a stupid issue. When you set up an automatic payment, you are assuming that your payment will go through on time so you don't need to worry about getting charge for late fee.

I believe they should hire more professional customer services representatives. Syvia ** is a customer service representative. She was so disrespectful, unprofessional and had the worst attitude ever. I believe if Capital One wants to lose their customers, they should hire more of her.

We've been very satisfied Cabela's customers for decades under the 'old' Foremost Bank card/terms and have NEVER had issues, even when I lost my wallet on a California trip. Since the purchase of Cabela's by Bass Pro, it's been a depressing time dealing with Capital One. First a letter to each of us (his/her accounts) outlining the new terms and conditions with new DIFFERING & much HIGHER interest rates. Upon calling I was told 'something detrimental' upon my credit report was causing it. With a new home purchase and a score of 823? I thought not and canceled my account/card. The last 3 statements keep reflecting an ever increasing interest rates.

I have had Capital One Platinum card for 4 years, actually two different credit cards with Capital One. One day they call me and tell me that they have closed one account because OF fraudulent OR suspicions on where my payments were coming from. Both cards received monthly payments from the same account yet one is suspicious and the other is not. I have been calling Capital One 3 times a week FROM END OF July 2018 and now is October 26, 2018 - a phone call lasts from 45 minutes to an hour and half, each time I speak to customer service representative I am transferred to some sort of a supervisor or manager who says they will have a resolution and my refund in 3 to 5 business days. I call every week 2 or 3 times and each week I am given a different version of what is going on where the refund check is. NEVER EVER USE CAPITAL ONE SECURE CREDIT CARDS. YOU WILL NEVER GET YOUR DEPOSIT MONEY BACK.

Applied and received the Capital One Platinum Card with a $300 limit. I was very pleased because I’m 100% committed to rebuilding my credit. After 6 months of using and paying off my card every month I was rewarded with a $200 credit limit increase on 10/18/18 making my overall credit line $500. I was thrilled. Then on 10/23/18 I went to pick up a prescription at a local pharmacy and was told my lousy $10 purchase didn’t go thru??? So I called Capital One and was told I wasn’t a good credit risk and that they closed my account. Like WHAT???

Been a Capital One customer for over 15 years and recently tried to add a small business card. Easy right!? WRONG. Capital One is so incompetent, they have spent two months trying to verify my identity and I AM ALREADY A CUSTOMER! LAME!! Try to call and get put on hold for 30 - 60 minutes at a time only to reach a call center in some foreign land who cannot speak English with a bad connection. They can't do anything. I actually applied for an AMEX business card while I was waiting on hold with Capital One and it was approved instantly and I received my card in a week. WTF Capital One? Why are you sooo lame? Fire everyone!

I've been a card holder for years. I've repeatedly asked for an increase or for a lower interest rate and I was always turned down. Mind you, my credit is very good but they have always refused. I finally transferred my entire balance over to a card with 0% interest. They still charged me $4.05 interest. I asked for this amount to be waived and they repeatedly refused. This is a terrible card with terrible customer service.

Capital One REQUIRES a paper check mailed to North Carolina to pay a credit card account balance and then claim "It Must Be Lost in The Mail" Hurricane Florence? Spent 2.5 hours chasing down this story on telephone and heard several reports that Capital One has problems. I agree.

Looooong story, short. I applied for this PLATINUM Credit Card online. I was approved immediately for a, 200.00 credit line with only a, 49.00, deposit. I was planning a trip, needed this card for deposits on a rental vehicle...so, I sent a extra payment on 10/3/18, for 100.00 and also a second payment on 10/04/18, for 105.00, thinking it would be applied to my credit card, wrong.

I called to cancel my card, and after waiting two weeks, I still haven't received it. I called four times and each time the agent says that the prior person did not process it correctly. This is a shame. I will not be using their services again. I can't wait to pay off this card and be done with their crappy customer service. Worst experience of my life.

Where do I begin? Well I guess I’ll start by saying that I have a brokerage account with TD Ameritrade that also has checking account functions for bill pay purposes. Since my Capital One card would only except ACH payments I had to use the routing number and account number to make my payments. This first mix up was 100% my fault I’ll admit. I entered the routing number and my brokerage account number thinking that was the same thing. Well it wasn’t and I found out when my payment got rejected. I called TD Ameritrade to find out what was happening and they explained to me that they provide a different account number for checking purposes. She gave me that account number over the phone and we verified that I had the correct routing number which I did.

This the second time I have been rejected by Capital One for a prescreened credit card offer. The offer gives the applicant A $150.00 bonus if $500.00 is spent in the first 90 days. So I wasted my time filling out the application only to be rejected. To be clear I do not believe this was a good faith offer to begin with. I was asked if I was interested in or planned to transfer any Credit Card balances among other questions.

These one star reviews are pathetic. “Didn’t give me enough money”, “gave me a hard inquiry”, get a life! Capital One has been good to me and my business for years. Great service for a huge corporation.

So I am applying for new credit card, and I am getting $500 credit limit. You gotta be kidding me, I have 10+K credit limits with Discover, Chase, others. And these guys do hard inquiry in Equifax and TransUnion in same time - this is lowering my scores right away, so I will have low score for next 2 years basically. My score 800+, but Capital One designed their approval to crash it to lower than 700 in just one card application. I am so mad - I can't express it better than giving them 1 star - AHes! Will cancel my application ASAP, will go to Bank of America, at least they not so harmful to credit scores.

I had a Capital One credit card, made my payments on time every month. One month, due to an emergency, I missed making my usual payment via a check in the mail, so I called Capital One and made a check-by-phone payment so it wouldn't be late. I was doing very well in making on time payments and didn't want to ruin my credit rating.

My accounts were hacked by thieves thru the offered service Zelle. Since then nightmare after nightmare along with horrible customer service and I am still having problem after problem 2 1/2 months later. I keep threatening to move my banking. Well looks like that will be a reality this week. Walking away after having my account so long in one place. I have seen the bank go thru 3 buyouts and end up being Capital One. So unhappy.

A closeout check was sent to me on 3/22, received on 3/26 in the amount of 4,277.92. Someone at Capital One chose to stop payment on it prematurely rather than wait for it be received on my end. I deposited check on 3/26 to my Suntrust account, obviously not knowing the check was no good...I left for vacation the following day on 3/27, was picked up around 8:45 AM and left for Las Vegas until April 3rd. A second check was sent via UPS next day air and delivered on 3/27, intercepted and fraudulently cashed by someone else.

I have had my Capital One card for about a decade now. I use it for online purchases, out of town purchases to try to prevent fraud. Never missed a payment, never paid late. Always paid a minimum of triple the monthly payment. 3 years ago my dad was dying (and passed away 3 weeks later). I asked them for an increase to fly to see him as I need a last minute ticket. They denied me, and didn't care. I used my bank card (my own money) and went to see my dad. I am to this day ticked about the insensitivity about that. I was so mad I paid the card off, but kept it. I should of closed it. Over the last 3 years I ran it back up slowly to about $4k. So over the last 6 months I once again paid it down to now owing $850. I made payments of over $3k during that time. I am moving across the country, and don't trust my bank account card with movers which is again, the only reason I keep my one and only credit card.

Today, I called Capital One credit card services regarding a late fee of $25.55 on a recent charge of $38.59. The payment was due on 10/15/18 but was not received until 10/16/18. Having been a customer for years I called Capital One and asked if the fee could be waived as I have been a customer for years and normally pay on time or prior to the due date. I was denied. It's pretty sad when a credit card company is so greedy that they would rather I cancel my account than to offer waiving my fee. Very dissatisfied ex-customer.

I opened a credit card with Capital One a few months ago. Got a call about a claim that I never filed. Called back and spoke with a “supervisor” at the fraud department this morning and she told me my account has been closed due to fraud. Is this for real? Closed my credit card without any notice and the worst part is they can’t even tell me why!! This will wreck my credit report and I’m currently looking to purchase a car and was thinking of using them. Thank God I have not. I had no balance on this card and always paid in full. Never carried a balance. This is beyond ridiculous. I filed a complaint with the BBB and will leave this review on every credit forum.

For over 5 years when I have used my Capital One Credit card I have never paid past the due date. Today 10/18/2018 my payment is due. After a long day at work I come home, sit down to relax and pay my bills. I logged into Capital One to pay both my Capital One cards only to find out that they have added a late charge because my payment was not made before 8pm EDT! Since when is this a requirement that I have to pay before 8pm EDT!? Really!?? So I looked at my payments going back a full year and I never received a late fee for paying on the due date. ** Capital One! Shame on you for scamming your customers!!! So, I paid off both cards one with a balance of 2,200 and the other with a balance of 253.00. Not huge balances so no biggie and I will gladly wake up an hour and a half early tomorrow two close both! I will go back to my USAA and Navy Federal Credit Union cards and I will NEVER use civilian banking again!

Offers zero customer protection and support. I filed a credit card disputes after receiving a defective item and they did not reverse the charge. Horrible. Will be cancelling my card. Uncaring, rude customer service, including managers.

I was a loyal customer of Capital One credit card holder for many years. I made them money. Then out of the blue for no reason whatsoever they restrict account access to my platinum card. I called and that's when the games began. I wasted over 2 hours talking to their fraud department and the problem has never been resolved. They will not release the restriction until I go through 1001 hoops, which I refuse to do. Everything is great until this sort of thing happens to you. Just remember that. They will get you too - eventually.

When this was the GM MC it was a pretty decent card. You could use up 6 thousand towards a new car. In some cases they would double your amount. All this without a yearly fee. Now you can only use 1500 towards a purchase and there is a 39 dollar yearly fee. They clearly don't want anybody's business as there are a multitude of cards out there that pay more & you can redeem for CASH or about anything you want! Capital One **!

Prior to the latest changes. I could see my pending transfers between accounts and I could modify the amounts or change the dates. With the current system I am unable do any of that. I called customer service and was told that was the way the system now works and nothing can be done. Capital One online system is no longer user friendly. They need to fix it.

The customer service staff, Maxwell told me they do not have supervisors and hung up on me. He was so arrogant and unhelpful. I talked other staff but they told me different informations. They are so disorganized and didn’t take enough training.

Straight to the point: My payment is missing. I mailed my payment off on October 4th. It isn't due until October 16th, but I wanted to get it out earlier so it would be on time. On Saturday, October 6th, I checked my balance but the payment had not posted. I called customer service and spoke with customer service rep who assured me that they had my payment. In fact, he said, it was on his desk as we were speaking. I checked again on Monday, the 8th, but the payment still had not posted. Again, I called customer service but was told to contact Western Union to see if the money order had been cashed. That was offensive because it seemed as if she was implying some misappropriation on my part. I mean, I'm trying to rebuild my credit and she's implying that, maybe, I didn't send it in but was trying to pull one over.

Capital One accused me of fraud on my account while 1400 miles from home. They canceled my credit card after I proved I am the one using the card. Currently I am now stranded on BLM land with no money, food or water thanks to the fraud department completely getting their facts wrong! If I die in this desert, the lawyers will be coming! Capital one is absolutely unaccountable and negligent!

I have been with Capital One for almost 2 years now. I have three open accounts in good standing for the past year, meaning I've never missed a payment and never been late on a payment. My husband, is an authorized user on all of my accounts. He also has his own Capital One card where he is the primary cardholder. He applied for another Capital One card a few months later and was approved. When we got his card in the mail however, it was a totally different story. We tried to activate his card online, and was redirected to a representative who accused my husband and I of fraud.

I spoke to Sammy (employee ID **) and inquired about my interest rate. It became immediately evident that the answers to my interest rate question she provided to me were WRONG, because they did not match the amount of interest I have been paying monthly for years. I was very polite, and asked further questions about my interest rate, at which point she became EXTREMELY RUDE and CONDESCENDING. This was a red flag for me to terminate this conversation, as it seemed to me, Sammy got ANGRY and FRUSTRATED with me simply because I asked a question that she did not know the answer to.

Capital One credit cards state that they have fraud protection. What this means is that they decline every charge from an unknown vendor and freeze the customer's card. Other than very large, well-known companies, I cannot use my card. Every charge at a restaurant, boutique or salon is declined and the card is frozen until I call and go through several hoops. This has nothing to do with credit. My credit is stellar and I pay my bill off every month. Capital One is the worst credit card company I have ever used. They also have no mechanism for registering complaints.

I use my Capital One card on a regular basis for day to day purchases and pay my card off every month. I just bought a new house and wanted to buy my appliances at Costco using my Capital One card. I called Capital One to get a limit increase so that I could buy the appliances and was told that, despite the fact that I have amazing credit, my card usage was too low and was declined. I tried talking to a customer service rep, an account specialist and a manager and had the same useless message repeated to me. Nobody attempted to work with me as an individual and nobody offered any form of customer service. They essentially read from a script and said that they couldn't help me. I will be canceling my card with them and letting everyone I know NOT to use them for credit.

This company is really bad. They are super money hungry and they don’t care at all about your desires. They get so happy when they can charge you a fee. They could be really good company but they don’t seem to care to try to be care about people. Fees are super bad. I’m broke because of their annual fees and monthly fees.

They are not interested in customer happiness. I have multiple other cards, all from different companies and I haven’t had an issue with any of the others. However, I have had MANY issues with Capital One. One of my first credit card accounts and it is absolutely the worst one by far. If it wouldn’t hurt my credit, I would close my account with them.

Received an email telling me that Capital One would be there to help its customers that were impacted by Hurricane Florence. When my wife called to talk to them about deferring this month's payment to help us out since we lost all our food and had storm damage and didn't have very much money to work with, they told her that they needed to talk to me to get my permission to speak to her. I got on the phone and gave them all my information and gave them my permission to speak to my wife, because I was having problems understanding her because I don't hear very well and she was talking 90 miles an hour.

I spoke with Adrianne a supervisor and she didn't try to meet me halfway with a 3 day payment extension. She told me that I am receiving a late fee and she could not help me. My card was cancelled due to no resolution. I now have to pay on a card that I have no access.

I am a member since 2007 and I have never failed to pay single time. I forgot to pay the monthly bill just this time and paid the full current balance the day after. Yet they charged me over $50 as the interest for two months and when I called them and asked they said there is nothing to do. When I insisted that there must be something you could do, they easily said go off of the Capital One if I want to. What a customer service! I feel very disrespected and disappointed as a customer. They have no respect or value for their customers.

Everybody needs to read the Credit Card Act of 2009 which I just discovered. I am primary and I have two authorized users on my account. I contacted Capital One because on my Experian credit report they reported the wrong amount. It was $235 more. I told customer service that on my other reports and authorized users that everything was correct. They tell me I can dispute it with them. I did and what a mistake that was. They changed all credit bureau reports to the $235 more.

I would like to rate my experience MUCH higher. My nightmarish financial situation started spiraling downhill two years ago. I've had my Platinum MasterCard card for over 5 yrs and had maintained an excellent payment history until just about a year and a half ago. Medical costs started piling up, my husband went on FMLA and lost 40% of his income, then went on SS Disability and lost another 20%. Through it all, Capital One had my back. Sure, late fees and finance fees started piling up until it wasn't long until I was over my credit limit. I was PROACTIVE and called them as the signs of trouble with being able to meet my payments FIRST began.

6 months of late fees from Capital One, bank sends payment on their due date doesn't mean they get it, always got paid one day late. Capital One did not process payment even though bank sent payment on due date. Capital One did not even remove one late payment. Been a business customer for 15 years with 4 different cards, had several problems with this company. This will be my last. Stay away from their business, too many other good banks you can do business with.

8 weeks ago both mine and my spouse's checking accounts were hacked into. Via fraudulent phone call pretending to be Capital One fraud department. However, I did not give the scammer any account info. As a result, over $1,000 was stolen from my Capital One checking account. After a week or so Capital One informed me that the money will be refunded. I asked them to close my account due to the fraud as well as the fact that I moved to an area where they do not have branches. Immediately after the fraud occurred I updated my account with my new mailing address.

My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. No payment was deducted from my checking account. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee.

I recently closed my accounts after have them for over 10 years! I zeroed them out but to my surprise I was charged a fee of .31 cents! I called to let them know I have closed that I wanted to close the account, I was then informed that I wouldn’t be able to do so until I paid it! I now have to send in a money order for less than what it’ll cost to close my account! Disgusting! So glad I left this poor excuse for a bank!

I applied a new credit card online and got approved for 0% interest for purchases for 15 months. After 9 months, I received my bill with interest charges for purchases. I called and asked why I am getting billed with interest charges and Capital One said that I was only got approved for 9 months which I never saw on the letter when I received my new card. Plus there was no indication on the billing statements that my 0% will be expiring in 9 months.

I pay my bill 3 weeks ahead of time and also pay extra on it every month. I have called Capital One many times to ask to have my interest rate lower and every time they say no. I have asked repeatedly why not and also have stopped using their card. They seem to have no respect for their good customers. All they want is to ** you.

I have excellent credit and pay this bill off every month. Checking my statement I noticed the last digits of my cc number were wrong so I called to find out what happened. I was told my Visa had been converted to a Mastercard and my new card was on the way. Not one of the 5 agents there could tell me why except it was a 'business' decision... aka "You pay in full every month so we don't make money off you so screw you." The Mastercard sent 9 days ago is still not here and as soon as it gets here I'll cut it up and cancel my account. I've applied for a Visa from another company, not as many rewards... I so loved my Capital One Visa!! BUT, if I'd wanted a Mastercard I would have applied for one. I spend a lot at Costco and they don't accept Mastercard.

I've been with Capital One way before their name change. They were ING. They treated consumers much better. I fell behind in my credit card payments due to financial hardship but determined to get back on board with payments, I did. I received a letter from the bank that I was eligible for a reinstatement for 3 consecutive payments never once informed of procedure fully was late a payment in April and in September was told the offer couldn't be granted and no information if ever the opportunity. So I'm just paying this card off without positive notifications on my credit report. CAN'T WAIT TO TO PAY IT OFF. WILL NOT RECOMMEND IT AND CLOSING CHECKING OUT AS WELL.

Had a Union Plus credit card for 15 years, never missed a payment. Capital One took over and I stopped receiving statements via mail and email. I complained but they said they are sending email and Yahoo accepting. I looked through all my mail and found nothing. This company is disgusting. I was on the phone with the representatives and requested a manager, the rep was far better spoken than the manager. They easily cancelled my 15 year account without any fuss. Because I am a responsible consumer and do not incur late fees? They charged me a late fee of $3! Will not break the bank but they would not explain their billing system and how everything was fine until they took over. I no longer carry their card.

I have never really had an issue with this card till this month. Every month I get my statement on the 19th in the morning. When I wake up, it is available to view. This month it was very important for me to get it the same time as I am trying to apply for a mortgage next month and needed my score to go up a lot, I even took out money from my 401k to make sure my balance would be very low for when the statement comes out on the 19th, however this month it did not come out until the 20th. I am very upset, I called customer service numerous times and no one can give me an answer as to why it came out a day later, so all my pending transactions came out on the new statement making my balance higher than It would have been had it come out on the 19th as it was supposed to. No one there can help nor did they care.

Stupidly missed a payment. Very good about making payments with them on time, as I have two credit cards and a 360 car loan. They wouldn't reverse the $25 late fee. So I had to pay that. Before that, I got a $49 yearly maintenance fee for the honor of having their card. LOL! The $49 extra fee threw me off, things were tight, and because I didn't make a full minimum payment (my normal payment is $25, and that's what I always make, but due to the $49 fee, I was supposed to have made more). They then charged me $38 "underpayment fee." That made it so my payment due was $111. Couldn't afford it, they said they'd work out a schedule with me. Great. But that schedule included late fees as well. Crooks. I regret doing business with them. Disgusted.

I reported a fraudulent website that sent me a $1 stuffed animal instead of $500 golf clubs. They said they would check into it and submit it as "goods not delivered" but would get back with me IF they needed anything else. I offered screenshots and photos but they said "not now". A few weeks later after not getting any alerts through the APP that I use I decided to log on using a desktop and found deep inside the website after signing in I had to click on the specific account and then click "account services" and then go to "alerts and messages" then click "view messages" only to find two messages that I could not ever find in the APP. (When my car loan is due I get a big red bubble alert on the home page.)

Made a same day payment on the 9th. Check free. Capital One got it the 10th. Said check free. Capital One don't find it till the 13th. Called and talk to them 6× and email say would be fix. STILL NOT FIX 2 weeks later. Nobody there knows anything. Accountant was the rudest person. Every on app. No way to write them.

I happened to notice a very obvious double charge on my statement so I called to alert Capital One and get a refund for this double charge. But nooo, still waiting for MY MONEY a week later and numerous phone requests. NOT HAPPY.

I have been a Capital One credit card customer for many years and rarely if ever carry a balance. I had a horrible hotel stay in July and the facility did not have any on premises parking my last night there and did nothing to correct it nor did they clean my room. After providing numerous documents, statements and a witness to Capital One they want me to provide a credit voucher or second opinion which makes zero sense regarding a hotel stay. No matter whom I spoke to it fell on deaf ears and they treated the stay as a purchase of goods and could not comprehend the difference. I am now canceling my 3 accounts with them and will pay whatever they deem reasonable in both of my disputes as I have no time for nonsense or idiotic employees. I will now use my local bank card and NEVER do business with Capital One AGAIN! Anyone reading this should do yourself a favor and apply elsewhere as well. You have been warned.

I recently paid off a debt of 490 some dollars that I owed. The amount was due on the 12th and I paid it in full on the 11th. I receive a new charge of $6 that I still owe and when I called customer service, I got two answers: 1. Because they still need to charge me for the interest on the card from the previous month. When I disputed: 2. Because my payment was sent in on the 11th but the billing cycle does not close until the 15th so they have to charge me interest, even though it was paid before the due date. So all in all, all they want is %, even when you don't owe anything. Other than the mileage that I get on this card, this card services and customer service is a joke.

Capital One doesn't ensure that you are notified about your case - they 'just send notification letter' which can be lost. So you have to call them basically every week to get news. Otherwise you lost your money.

Recently applied and got approved for Capital One's Platinum credit card. The process was super easy and very clear. Got approved within 60 seconds and my card was mailed to me in about 2-3 weeks. The Capital One app is super user-friendly and functional with simple push notifications and a helpful credit monitor from Creditwise. Highly recommended credit card for individuals trying to build or re-establish their credit.

Capital One takes 3 business days to process electronic payments and then charge you interest. They charged me over $300 in interest over 3 months even though I processed the payment on the due date via e-transfer. I have an AMEX & Visa and the day I process my e-payments with them is the day they receive it. No one takes 3 days to receive funds digitally - EDI happens in minutes, if not seconds. When I called to complain they said it was a “legitimate charge but were willing to offer me $30 to satisfy me.” My response - "No thanks, I just simply won’t be doing business with you anymore." But I do have a loud voice and will be broadly communicating these archaic processes resulting in unethical consumer servicing.

I foolishly and desperately acquired a HSBC prepaid card which is now a Capital One card with 24% + interest rates, no rewards and annual fees. I have a long history of paying on time but no matter. Their lack of approval for credit line increases along with them clawing back. Almost every dollar I pay keeps my credit score low and prohibits me from being approved by other credit card companies.

Capital One's denial letter states I must be disappointed. I'm not disappointed in the least bit. Every possible credit grantor that issues a credit card has seen fit to issue me their card for the last 50 years. If Capital One chooses not to is their loss, not mine. My FICO score is 794 and I have never been a day late on any bill in my life. I guess I'm just not good enough for their high standards.

I've been a Capital One customer for a few years now, they're always very helpful & honorable folks to do business with. The only gripe I have is about the processing time for posting payments. When I submit a payment, it should be posted within a few hours, but it usually takes until the next day to post to my account GRRR LOL! Maybe I'm just too impatient? The mainframes have huge amounts of batch I/O tasks to process, other than that though I have no real complaints with Capital One, I will be with them a long time as long as they keep treating me right.

I have been banking at Capital One for 30 years. I couldn't go into the branch to make a deposit into my OWN account because I didn't have my license or debit card with me. I know my account number - they have the absolute worst service ever. I then said - "Well I go outside and drop the checks in the overnight deposit drop" - they said, "Go ahead" - what a joke this company and these managers are.

If you are thinking of getting a card from this Company you should start re-thinking your life. Don't even bother investing your time and money with them. Worst credit card lender in Canada. Why? 1. They won't resolve your issue. 2. They have a very bad customer care. (Once I talked to 7 representative just to spend 5 minutes on resolving actual issue) And it took 1:30 Hours to not actually resolve the actual issue. 3. They will screw up your first credit card statement and blame you for everything. 4. No one in the company knows how to resolve the issue. 5. Illiterate/irritating/low IQ staff. 6. Specifically don't get the Secure Card from them. It does the actual opposite of the purpose it is for. 7. Lastly, corrupt.

I called 9/9/2018 to get the annual fee taken off on one of my credit cards (I have 2 cards from Capital One) the agent told me that he will waive the $59 and he can upgrade my card to Venture or Quicksilver but I have to call back the next day to complete the process and so I did. I called back today 9/10/2018 and to find out that they cannot upgrade my card and cannot do anything with the annual fee. I don’t tell them how to do their job. But since they told me they can upgrade so I don’t have to pay for annual fee anymore I said yes... but to find out I can’t... we keep going back and forth so I decided to closed both accounts! I can take my business somewhere else! There’s more credit card companies that offers a lot more benefits for the cardholder. Now you lose a good and loyal customer!

This company is a full-blown nightmare. Something as simple as getting access to my online banking and it has been over a month of the run-around. I've had the terrible task of calling them 6 times in regards to not being able to access my account online. Every time I call they tell me they have fixed the issue and I have to wait 72 hours in order to try accessing it again. So I wait the 72 hours, still doesn't work. Call, repeat the same process (waiting on hold while they "correct the errors"), then once again they tell me I have to wait 72 hours before trying. This happens a couple more times so I call and ask to speak to a supervisor. She is not very nice to me on the phone after waiting 30 mins to talk to her. I express my frustration with being constantly told to wait 72 hours and try again - which SHE then tells me I have to wait ANOTHER 72 HOURS before trying again and this time it will for sure work.

I called and changed the account for my payments, when I did this I didn't know that the Indian lady on the phone with me didn't save my information that I had called and wasted 35 minutes of my life doing. Following month I had a returned payment. So I had to change it AGAIN, not knowing that this returned payment would cause problems. Few months later I requested a Credit increase, we are remodeling our house, I get declined due to the returned payment. That again, wasn't my fault.

I recently went into the bank to withdraw cash. I hadn’t received any letters stating that they were getting rid of the tellers? I had my checkbook & a state ID and was told I couldn’t make a withdrawal without my debit card. I had accidentally left my wallet on my boat and thought I’ll just run in so I can get cash. Because of banking mergers, I have two checking accounts, a 360 account and my business card and credit card all through Capital One. I couldn’t believe that I could not withdraw cash from my account! They said the closest bank with tellers was over 2 1/2 hours away in Houston! Out of anger I asked to close one of my accounts and they said they did issue a cashier's check which I was going to go across the street and open up a new account with a new bank.

I received an invite from Credit Karma that I was pre approved for this card and after some additional info, qualified immediately. I used it a few times but not all. I have never really needed a credit card as I use cash but being a homeowner I thought about emergencies. When I got my bill I figured I'd pay double, (always do) called the number on card ready to make my payment, then my heart drops. You have to give Credit One your routing number off your checking acct before they will accept payment! Even from your debit card. I'm 62 just bought my 1st home and all my life have never been late with my bills at all. I am very disabled and awaiting heart surgery then spine surgery after I heal. My payment is 7 days late and I am a mess, they send emails every day and basically harassment kindly.

Capital One will not provide information that they are legally required to provide. Called customer service and also spoke with a "supervisor". They never sent interest statements nor regular monthly statements. Account was closed in February 2018 and now I do not have online access to my information. I will now also be closing my Spark Business credit card. Clearly, they are incapable of providing even basic information and basic customer service. I simply need the amount that Capital One reported to the IRS or for them to email me my interest form that they filed with the IRS so that I can file my tax return. They simply could not pull this off. :/

Filed complaint re: they closed my account arbitrarily due to lack of supporting verifiable ID info. Long story short: supposedly they have decided to refund me the annual fee of $59... what about the finance charges y'all billed me for against that $59 charge? This supposed solution is not acceptable. They have ads all over the WWW for this particular credit card having NO ANNUAL FEES. I want it in writing: REFUND THE $59 from last year and DO NOT CHARGE ME THIS FEE GOING FORWARD.

I had a Spark 360 account. The app stopped working and couldn’t deposit. When you call, no one helps. You get transferred without warning and then get stuck on hold. For a business, huge waste of time.

After doing business for years with Capital One I recently had my access limited, they claim due to fraudulent activity. Demand I send a slew of personal info to verify myself. Funny I have no problem logging on and making a payment, and info I gave them, last 4 of SS, address, etc.,was same it has been for years. HA! Worst customer service I have ever dealt with, going so far as telling me they will interrupt me if they want to, and their main office is now located in the Philippines. U.S. rep could barely hear on phone. I think I am more concerned if they are fraud or not! Another company big enough to push you around and nothing you can do about it.

I have had a Capital One credit card for four years. I have made my first and every payment since from my iPad through my checking account which I have had for years. This month Capital One declined my payment saying invalid account. I called Capital One rep and was told it was my bank and I needed to talk to them. The bank said nothing had changed with my account and other payments had gone through. I called back to Capital One and was put on hold for 15 minutes and hung up and redialed and asked for supervisor. He was rude and told me I would have to fix it and did not know why it happened. He gave me a list of things I would have to do and it would then take them about 20 days to fix it after I got everything back to them. What a company! I was about to purchase a car through them but have decided not.

I have had a Money Market account at Capital One for around 12 or so years. I see they have a new account Capital One 360 with 6x the interest, so I signed up. Everything went sideways. It seems my Capital One Money Market and my Capital One 360 are somehow more or less different companies or different divisions or similar. I have had an issue transferring money between them and it IMPOSSIBLE to find anyone who can help. Resulting in my money sitting in cyberspace limbo where I cannot access for the past 10 days. You could call it theft by incompetence. Today I went into a Capital One Cafe for assistance. The person tried, but could not help me. We are on hold for about an hour and a half total and transferred 3 times, when all of a sudden we hear the support line is closed and they hung up. Wow. Just wow.

Back in September my Capital One card was frauded 1700.00$. As soon as I noticed I canceled my card and I thought everything was fine. After a lengthy investigation they call the situation theft not fraud and I would be responsible for the transactions. I called several times. After spending no less the 2 hrs trying to deal with these idiots I got nowhere. It says right on their from page that (if you didn’t authorize the transactions don’t worry you won’t be charged for them). I’ve been fighting with them since last September. When the charges were made I was in rehab. They never emailed me any receipt of the transactions and I barely used their card. All of a sudden there was 1700.00$ worth of transactions made all in one day. If you're thinking about getting a Capital One credit card DONT. Deal with a real bank when you get a credit card. Stay away from these scammers.

Totally lame bank. Registered and couldn't log in. Then they told me I had to upload copies of my DL to verify it is really me and then I would be able to log in to my account. So I uploaded my DL pics, which took dozens of times and was really annoying and after their security check finally accepted pics of my DL, I was still unable to log in. So I called customer service again, sat on the phone on hold for 30 minutes, got tired of waiting, called them back, they told me their security team needed to ask me some more questions to verify it is me, even though the last rep said the DL pics were good enough and then I sat on the phone on hold even longer waiting on their security team and then I gave up on trying to access my Capital One account. What a lame, lazy and trollish bank!

I made my scheduled payment to Capital One. I know it was received and posted because I also have a Capital One 360 account. I also received an email from Capital One that my payment was posted to my account. Go Ahead and use it! So I did. I used it twice prior and all was good. The third time I went to use it it was declined! I had no other form of payment with me. The people at the store were kind enough to let me call and find out why.

I deposited a personal check from my mother 3 weeks ago and the check has cleared but my account went into restriction until I can verify with the security team that it was me that had deposited the check. I waited for over 1 hour 57 mins and 23 seconds before I can speak with someone from the department. Once I begin speaking with the security team member, the woman was at first seem professional. More we begin talking the rudeness in her started to show and her unprofessional. She was asking me questions like "Who gave you the check? Where did they gave you the check? What are your plans with this money?" As I am answering these questions I am thinking to myself like why in the hell she needs to know what are my plans? Just unlock my account for me.

Apparently a new card was sent, which my husband never received, and as he was about to fill gas in his car, the card was declined. Card was expiring this month, therefore should've still be active. Upon calling customer service, he was told he was supposed to activate a new card and this card was no longer active, even though it was not expiring till end of this month. The new card was deactivated, so was his old one. He advised he never received a new card, then a representative told him he will get one within 48 hours. 3 days later, there is still no card, upon calling customer service he was told the new card was processing for the last 3 days and the new card was sent regular deliver, not 48 hours as he was promised.

My account was restricted due to a scam check that was deposited into my account. There was a number on my account that I was supposed to call. I called it the day that my account was restricted. I got voicemail, so I left a message and expected to be called back within 24-48 hours (like normal businesses do). So after 2 days with no callback, I called the number again. Voicemail. So I left another message, and again, no callback. I did this two more times. After waiting a couple days for someone to call me back, I noticed that my account was negative the amount the check was. Not only did they deny the check (which I wanted to happen), they also withdrew the check so that my account went into the negatives. So after all of this, I did not care that my account was restricted anymore, I just wanted to close my account because I opened a Chase account, and just wanted to be with a company that actually cared about their customers.

Tried to cancel just my deceased wife's visa card. Told to call back the next day. The next day, I was told it was too late to reach the dep't that handles it. Finally got through and eventually after 20 minutes got to the correct dept. They said my wife actually took out the card originally even though both of us were on it for 20+ years. They immediately cancelled my card along with hers. So pathetic were the agents I dealt with. I had several routine charges to the account each month so this was a real annoyance. I suggest everyone stay away from Capital One. Bad attitude folks...not helpful...couldn't care less.

I wish they had negative stars... I am beyond upset with this company... My god... And let me not even begin to explain how the customer service is when you call for help. I never leave reviews. Especially like this but someone has to do something about this company and the way they treat their costumes over the phone... I just dont understand... You literally hang up with high blood pressure with how rude and careless they treat you. I would never I mean ever... Ever ever ever suggest this company to anyone I know. DO NOT. I REPEAT... DO NOT APPLY FOR THIS CARD. THEY ARE A SCAM!

I had 2 credit cards with Capital One. They kept raising interest rate. I paid off the one and after paying it off in full I receive a bill for interest. When I talked to customer service woman was rude and said, "Even though you paid off the balance you still owe this interest." I told her I was paying off the other card and would no longer be a customer of Capital One. She did not care in the least. 12 years of being a customer, never late with 1 payment and it means nothing. Capital One does not respect or appreciate their customers.

I have 2 cards with Capital One and fell into some hard times and allowed my accounts become past due. I received several emails from Capital One on how to keep my accounts from being charged off. I set up several payment arrangements in good faith, to keep the account from being charged off. Finally after a luck of good fortune, I was able to catch my accounts up. I've been paying more than the minimum each month for the last 3 months and my cards are still in a restricted status. When I speak to a representative, I am told there is nothing they can do and that their system is what comes up with a reinstatement offer. I feel like I did my part and took responsibility for the account becoming past due by bringing the accounts back into a good standing, now I'm at the mercy of a computer system to reinstate my account. Beware if you choose Capital One. I'm thinking about talking this to my local news station to spread the word of this deceptive practice.

With credit scores in the 800-825 range for years, Cap One downgraded it to 775 ("excellent") after applying for a construction-to-mortgage loan. Said "balance on a current loan too high compared to what was initially borrowed" (it was a NEW home equity loan dummy!) AND "too many inquiries on my credit report" (that's what happens when you shop for a construction loan) AND "don't have enough experience managing a first mortgage." (I PAID OFF my first mortgage in 2000 and that wasn't even in their records!) And finally, "don't have enough experience with credit." (I've used credit for 40 years and NEVER missed a payment including student loans, credit cards, a mortgage, etc.) And they think they know what a good vs. bad credit risk is with their flawed algorithms, records and system!!

If I could give negative stars, I would give -100. I will refuse to do business with this poor excuse of a company until the day I die and I will most certainly share my personal experience with anyone that will listen. Personal Experience: Capital One approved me for a vehicle loan and then actually changed the agreement terms AFTER I signed the paperwork; which I did not even know was possible, or even legal to do. Over a month goes by with no paperwork and then the dealership contacts me about my situation. Since it had been over a month since the approval, they were forced to perform another credit check with hard inquiries, causing my credit score to drop even further. I will be in the market for another vehicle in a short amount of time (1 year) and the fact that they pulled this completely unethical, unacceptable move will take this company off of the table when my next loan is getting rates!!

Credit Card - Customer loyalty and good credit/payment history does not matter. Over $15 interest charge on a zero balance. They wish to lose customers and couldn't care less. Disgusting how these BIG banks treat good people.

I had done a balance transfer some time ago with them and the rate was Zero percent. They are the only bank that I do business with that does not advise the expiration date of the Zero interest offer on the bill each month. I had a relatively large balance in the zero percent and was blindsided when without warning the rate expired and went up to 19.9% and my next bill had a $122 interest payment included. This practice is predatory and must be illegal! They rely on you losing track of the end date of the offer and then zap you with a high interest payment before you are alerted to make a move.

Tried to open a checking account for my college-bound daughter. Repeated calls got us placed on permanent hold. After 40 minutes the last time, we gave up. Clearly, Capital One doesn't care about attracting new customers. Chalk us up as going with their competition. Nonexistent customer service.

Our son is serving a mission in Mexico and needed his card activated. We tried and tried in vain for several hours to get somebody with some kind of authority to help us!!! He has not had funds for days and what makes this so pathetic is that nobody wanted to help us. There was no compassion or understanding to try and help us get funds to our Son. I will never ever do business with this bank and we are closing all our account ASAP. I have never had such a poor experience with bank. We have never been so disappointed in a company!!!

I had a Capital One Quicksilver reward credit card for several years. Started off with a $500 limit. Worked my way up to a $2,000 limit. Never missed a payment. Sometimes paid 3 times in one month. The card comes with a one-time yearly fee. I try to get that fee waived because my credit was great. They were extremely rude. Told me they would not waive the fee. I wanted to transfer to another card. They refuse to do it so I end up canceling.

I have had a credit card with Capital One for over 15 years. Credit score of 780. Never been late on a payment and always pay my balances off. Today I got a letter in the mail from "Lisa ** - Capital One Executive Office" that said they have closed my account due to the fact that they do not like my lifestyle. They do not like the purchases made on my card. Nothing illegal or even borderline questionable. When I called, they say. "We do not have to tell you anything other than we do not like the activity on your card." No reasons. No explanations. I am baffled. My credit limit was $10,500. Guess they don't want my money.

I recently checked my credit report to find a fraudulent account. I disputed this on my credit report and Capital One refused to acknowledge it was fraudulent and the credit bureau refused to remove it despite my offering to submit a police report and other documentation showing I didn't live at the address it was opened to. They've since sold the account off to collections (or so it seems) and now I'm being sued by a shady law office with dozens of lawsuits filed against them for shady practices. Unfortunately for both, I'm not a poor schmuck they can prey on and I've hired an attorney to challenge both. I'll gladly follow up with countersuit. I strongly urge others to beware of their shady practices. I'll do my best to get a class action lawsuit going against Capital One and to put the shady law firm they supposedly use out of business.

I recently applied and was approved for one of the Quicksilver credit cards. Upon receiving my confirmation letter it was then noted that my APR was going to be at 24.74% based on the credit score they listed that they obtained from Experian. I am a member of Experian and when I checked my acct with them I noticed that 4 days prior to Capital One doing an inquiry that my credit score was 735. Capital One on the letter says that Experian reported a score of 683. That's a 50 point difference.

Just trying to find out if they received a payment from me-no dice. A while back I wanted to change my phone # and they wanted me to upload my driver’s license to them - WTF!!! I didn't know how to do that I'm sure I could have figured out but why should I have to do that and they said for security concerns - all I wanted to do is update my phone number and their response was to treat me like a terrorist. It just got worse - they put a hold on my account and won't even confirm that they received a payment from me unless I go to my bank and get some kind of ID that will satisfy them that I'm not some kind of criminal. I can't wait for my next statement for the card in question because I am going to pay it off, cut up the card and they can just go pound sand. What's in my wallet - not Capital One ever again!!!

I just checked my credit through Equifax and saw this... 07/24/2018 ** Account Review Inquiry. 05/04/2018 DISCOVER FINANCIAL Promotional Inquiry. 04/17/2018 ** Account Review Inquiry. 03/05/2018 QUICKEN LOANS Promotional Inquiry. 02/27/2018 CAPITAL ONE Promotional Inquiry. 01/23/2018 CAPITAL ONE Promotional Inquiry. 12/26/2017 CAPITAL ONE Promotional Inquiry. 12/08/2017 DISCOVER FINANCIAL SERVICE Promotional Inquiry.

I have had a Capital One Spark business card for several years and have always paid the bill on time and have no other business cards or debit and this week I received a letter that my charges were not part of their agreement. Every charge is ones that I have made on this same card for years and are ALL business related expenses. All they will say is that this is final and will not be changed. I have a credit score over 750 and do not understand how they can do this and better yet how they can treat their good customers like this. This is unbelievable!

I got a Capital One MasterCard from Costco. The website has sign in issues. Sure, everyone has tech problems once in a while, but usually they can correct it or provide a work-around. Not so Capital One. Even though I was using the correct password and username, it wouldn't sign me in to have a look at my statements. The first person who answered the phone couldn't find a solution within the time available, and by then I was over an hour into trying to sign in. A look at my statements would suffice for the moment; I needed to know the name of a firm who I made a purchase from within the last month or two. Capital One refused to email me my last couple of statements, and despite attempts by the Chat helper, I was still denied access to my account.

I have had my Capital One card for well over two years, I was very satisfied with them in the beginning. I had just started to rebuild my credit and it was a great card for me. Now, I’m so done with how they have all this predetermined interest ‘scams’. I paid my balance off in full before the due date and I was charge interest not once but on two different occasion. I accidentally linked my card to PayPal and it is considered a cash advance. I have been getting charged interest for well over a year until it's paid in full until I stopped getting charged interest. Because I made one minor mistake I have been paying more than the item I originally got. You cheat the consumer so much and I can’t wait to make this last interest payment that I shouldn’t even be paying and be done with them, I will tell everyone I know to never ever use them and to be aware of how they deceive their customer with interest rates. It’s just unbelievable!

Rate -1-Star - they deserve no stars. Trying to rebuild my credit a number of years ago - I acted on a credit card offer from HSBC - low credit limit; annual fee but I needed to get back on track. A couple years later the account was sold to CAPITAL ONE. Fast forward to March 2018 when I was asked for my home address by CAP ONE. I hesitated to provide this info since the account has been opened since 2011 w/o anyone else ever asking me for this information. I know the Patriot Act requires it however HSBC faulted in pushing the account through w/o proper vetting of who was opening the account.

On July 16, 2018 I wrote a review about this company. On 7-21, 22, 23, they left messages to call them back using yet another different phone number to return their call 1-866-953-7906. On July 24th I returned their call. I first spoke to Raena, then transferred to Sharon, an account supervisor and then she transferred me to Jessica. Incredible how they did find where I spoke to someone but there is no record stating a woman agreed to waive my $160 in late QuickSilver Credit Card fees. Finally I said, "Then ask the woman who transferred me to her. You just said you see where I spoke to her and I told her I just wanted to pay this account off and have the account deleted completely." She said she needed to transfer me to someone else and after a few seconds I was disconnected. This company will keep hounding you even after you pay them off. Then according to Credit Karma they lowered my credit score.

Let me start by saying I have been a Capital One card holder for 21 years and 3 months!!! On July 13th, I paid my balance in FULL according to Capital One's online site. On July 18th, I used my card for a Redbox rental. Not wanting to be charged interest on $1.86, I once again paid my balance in full on July 19th according to their website. On July 21, my statement was issued. I had a ZERO balance and they charged me $25.97 as interest on a ZERO balance! I called and spoke to manager George. He informed me that the charge would not be reversed and that even though I had paid the balance in FULL according to their own site, it was a "valid" charge.

Just run away from Capital. They are only interested in charging you interest. I have had their card for 7 years. After paying all the amount I owe on my card, they still charged me recurring fees. I called them but they didn’t bother to help. Meanwhile Chase, and Citibank didn’t charged me any recurring interest after paying my credit in full. I cut my card into pieces after 7 years. Please run away. They won’t help you.