Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.