Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I applied for a new card a week ago and was approved. Capital One then sent me a letter in the mail saying that there may have been a fraudulent account opened in my name and to please call them. I did, I answered all of the questions and security questions, as I already have a card with them as does my husband. After that the rep asked me to scan and email the front and back of my DL to them... ha ummm NO... when asked why they were needing this, they go into this long script about how something on my application didn't match exactly what was on my credit report but wouldn't say what... Sorry but I am not sending that, they said well they wouldn't activate the card even though I had a link emailed to me, a text and 2 phone calls. I am not sending copies of my state ID to anyone. So long story short, I cancelled that card, paid the other 2 off. They only had small balances and cut them both up after closing them.

I've had this card for three years. Once a year I request a credit line increase. In May of 2018, I had a lot of fraudulent activity in my checking account (used to make my Capital One payments) and so, when I made a payment, it was returned. I was not in the US during this time, so my bank couldn't reach me. I always make my payment as soon as the statement is available. When I made the second payment (after I was issued a new debit card) it was a few weeks before the payment was due. Due to a returned payment, the Capital One system rejected my credit line increase due to this issue. When I called Capital One, a manager says it is out of their hands and it's up to the system.

When contacting customer service you would find yourself extremely lucky to get in contact with someone that could actually help you with your issue let alone talk to someone you can understand. Just terrible customer service. While having this card I also received tons of phone calls from bogus callers trying to bleed me out of money. These places had way too much of my information without my ever contacting them. One of them told me they got it from my credit card company. So if you want your personal info secure don't get a card through Capital One. Remember if you think you're getting a great deal it's rare that there aren't some sort of consequences.

I just had to wait today, July-20-2018 for 1.5 hours (one and half hours) for someone to answer the phone. This and that: they rarely increase your credit limit, I have an excellent credit limit, but gets very low limit from Capital One. I do not suggest to get any service from Capital One.

Can't understand a lick of what the reps are saying and overall just plain having this card is useless! They charge an excessive amount of fees and they hardly ever raise limits even for long time customers. Capital One should be ashamed of themselves! With all their bad practices and complaints I'm still trying to figure out why this company is still in business!!

If you forgot password they make you enter your name, SS, DOB, then answer 3 background questions, all of which I passed. Then it says it will contact you via email or text or phone call, but they haven't done either. I tried calling but gave up after 20 minute hold. What have I just stepped into?

I received my Captial One Credit Card bill and noticed I was charge 20 percent interest on my purchases. I called their Customer Service, after trying to find someone who actually knew how to speak English I could understand I was told this is their new policy. I cut my cards up and sent them back.

Credit Karma suggested that I apply for a Capital One secured credit card which I did and they took the security deposit out my account. The next day I called and they stated that it takes 10 days to post to my account. That was the 26th of June and I called back on the 5th of July to see if it posted. They stated that the clearing house hadn't released the payment. Now it's the 16th of July and they can't find my payment and don't know where my money is. I withdrew my application and they still don't know what's going on. The customer service sucks because on don't know what the other is doing.

I applied for the Capital One credit card as a suggestion from Credit Karma to rebuild my credit. My issue is why suggest a card that could help with my low score but penalize you for using the card! Then they constantly change your score up 20 points down 6 then up again. They hit you with a hard inquiry after they suggest you to apply??? You're given a credit limit based off your deposit yet if you use anywhere near your limit it affects your credit score??? I've had the card for months now and never missed a payment, pay before the due date in full. I'm new to this whole credit card world and I don't understand the purpose of having a card that you get penalized for using. I've read I may be eligible for a credit increase after a good payment history, why would I need a higher limit I can't use??? Makes no sense. If I can only use $40 dollars of a $200 limit why would I want to increase. (I know, utilization.)

I informed Capital One Quicksilver about my one-year sabbatical stint overseas. They noted that and for a couple of months, it was great to have a credit card that does not charge foreign transaction fees. Then they froze and restricted my credit card usage without telling me until I could not use my Visa Quicksilver at the local vendors, I called up and discovered that they were doing it because of possible fraud. I gave all my personal information as is usually required including my DOB, SSN etc. That was not enough. They asked that I send the original social security card (1st time I have been asked to do that) and a proof of address. I did and a couple of weeks later, (after a 2nd overseas call) that those documents were not enough. They wanted a bank statement - I dutifully sent it.

Capital One just denied me for a new credit card with them, even though I've had a different Capital One credit card for over 20 years now and have a top tier credit score. Additionally my assets are high, my debt to equity ratio is extremely low and I have never made a late payment in my life. I also pay off all my credit cards in full every month and always have.

TL; DR summary: customer service impossible to contact, inconsistent from one agent to the next. Not willing to listen to you or trust you. Makes decisions for you without your permission and threatens you. And that's when they pick up your call, after hours on hold. After having one credit card (the first one) from Capital One and using it for no problems for 2.5 years, I decided to apply for a second one. Right around this time, they switched their online banking system (summertime 2017 in Canada), and I needed to re-register for an account. Their automated online registration wouldn't approve me, and I got directed to live chat. The live chat agent told me I needed to call, so I did. After four separate calls and waiting as long as 1.5 hours one time WITHOUT EVER REACHING AN AGENT, I gave up. I stopped using my first credit card, let it expire, and never activated my second card.

Capital One has a policy of not transferring points to a spouse when the other one dies. Their reasoning is that there is only one main Vantage cardholder and that cardholder is the only one allowed to use the points or "give permission" for them to be used. When I questioned this they said that is the law. Why? We pay our account off every month and were charge to accrue points. What a surprise when I found out I cannot use the points due to the death of my husband. They said he isn't around to "give you permission." Something is wrong with this picture! Shame on them.

Watch out from Capital One Mobile iPhone App. It's 0---0. Watch out very horrible to access your account compare to AMEX APP 5 Star. Discover Mobile App 5 Star. Chase APP 5 Star. Capital One Mobile App is Horrible. Not even One Star. Very bad for consumer. Even their customer service very incompetent. I end up change my password and create new password then change my email address on desk to get new access to mobile app. The consumer service after I call them twice with no result. I figure it out who to go around their incompetent poor system, I feel I am in Dinasour age with Capital One.

Capital One is charging it's customers a penalty rate and jacking up the interest rate to 22.99% on the spark business credit card if the customer is 3 days late. That is not only unfair and absurd, it's very bad business. I don't know any CC company that penalizes it's customers when they're less than 30 days late. I've had an AMEX platinum business card for 13 yrs and have never paid a late fee unless I was 30 days late. I absolutely will move my business account elsewhere. Their customer service is horrible as well.

Spent 20 minutes waiting on line while the clerks at the 59th & 3rd branch discussed her personal business with a customer that was being served by another clerk. When I asked is something me working I received an attitude from the manager and clerk. Both became irate and very unprofessional. I closed out both of my accounts being that this is the 3rd time I came to this branch (closest to my house) and got disrespected. It won't happen again, at least not at Capital One!

Last October I noticed interest and fees on my credit card. I ALWAYS pay the FULL balance each month and never pay any kind of fees. I have now called 4 times (at least an hour each time on the phone) and get instructions of what I am to do. I do it and the next month here comes another bill with interest and fees on top of interest and fees. I just wrote a letter to the President/CEO and don't expect to get any response. I have closed the account and it would be my advice that you go elsewhere if you need a credit card... DON'T USE CAPITAL ONE. I think their phone people are very poorly trained but it appears their jobs are on the line if they don't collect every bogus charge they can... They must be on an incentive program and get rewarded for collecting ALL charges whether they are bogus or not. A supposed supervisor today (name Joe) actually yelled at me on the phone... What kind of business allows their employees to do this?

Capital One Bank is the worst financial organization in the US. For those that were not aware of the banking oligarch business practice, I am advising everyone to please stay away from patronage of this company. Their advertisement is racial targeted to ** and Latino groups. I got cash advance based on the advice from the staff that I can easily paid off my cash advance once I am making payment over my monthly due and all overpayment will help to pay off the cash advance. I got $1000 cash advance since 2016 and every months I have making regular payment and above but my cash advance remained with balance of $900 as at July 2018.

Waited a long time for a phone rep, then you get customer no service rep that thinks she's right and has the power to your savings account. NOT. Closing out my account and take my 200k somewhere else. PLUS their online account HAS NO secure email feature. They made it hard to communicate with them once we deposited $$$$ to their online savings. It took me 5 mins to write this complaint and almost an hour to stay on phone with one.

I made my Capital One credit card payment by mistake. So called customer card to cancel that payment. They told me it's in process so they cant cancel that right now but they will take care and return the money once it's completed. So I waited for 24 hours as per their expert opinion and now when I calling them they for money they telling me it's not their policy. I made payment of 5000$ and now it's gone, it is very frustrating. Don't fall for their offers, just use other financial services, very unprofessional and not trustworthy business institution CAPITAL ONE.

After receiving an annual fee notice on my bill I called and cancelled the card on April 9, 2018. I got the balance on that day and paid it off that day. The payment cleared on April 10th. They are continuing to send me bills against a card that was closed on 4/9 and refuse to fix it. I spoke with 3 alleged levels today on the phone for over 50 minutes. I owe them nothing and they refuse to correct this.

Capital One turned Me down when I applied for the same (Quicksilver) Credit Card that I paid off after using it for more than 4 Years without a single late Payment and I had a $5000.00 Credit Line!!! Knowing that I still have a Car Loan with them that I had since more than 5 Years and paid more than $17000.00 without any late payments, always paid more and early, and I owe less than $500.00 Now. The reasons for the Decline is because I only have One other Credit Card Which by the way is in good standing. And when I called them and after I was routed from a couple Countries Overseas, their Supervisor said they cannot reverse the Decision!!! So here I join the Flood of Bad Reviews about Capital One to declare that never again I will even think about dealing with Capital One because they don’t care about keeping their loyal good Customers!!!

I have enough money on my accounts, however they for some reason blocked my lease automatic payments. I tried to call them so they could explain what is that they are doing. I spent 67 min on the phone before one agent pick up and then she sent me to listen to more of their annoying music.

OK. Now I completely understand all the negative reviews with Capital One. I purchased a small lab grown diamond to replace a side stone that fell out in a ring. Online purchase. It was $700. The company charged $700 on the date of purchase, then charged $700 AGAIN the next day. I called the company and they would not answer. (numerous tries). I investigate the company the day after the purchase and find out that this company is in Israel. Yes I should have done my homework first, and that's all on me. I call Capital One Immediately and tell them to investigate this, as the company charged me twice and will not communicate with me. The agent on the phone put me on hold, then came back to say "these charges are pending, we have to wait until the charges are posted and complete before we can do anything, but do not worry, we will take care of this".

I've banked with Capital One for over 3 years. Had a great review up until today. My husband and I got scammed by what seemed like a legitimate company and turned out to be fraud. The person sent a check which looked authentic. I went to deposit it into the ATM, 2 days later found out it was fake. I cooperated with capital as best I could to get these people. I was assured the investigation would end shortly and my account would be placed active again. Today I called to see if there was an update on the status and was informed that the investigator response was that they will close all accounts and no new accounts considered which if you ask me, is unprofessional.

Capital One card allows you to accumulate points and redeem them in different ways. However, I redeemed my points to apply the equated amount to my card. My reason was to make that month's payment because I don’t have a job at the moment and needed to make my next payment until I get a check. Well Capital One doesn’t allow that, which is stupid. My redeemed points can’t apply to my payment. Think again about the card you apply for.

I have made payments to my credit card on time every month. I noticed today my min payment went from $30.00 to $66.00. I am so confused as to why this drastic change. The card is NOT over the limit... I need answers.

If I could give 0 stars I would. We opened this card and spent a large amount of money on it in the first month of having it. On the day the bill was due we connected our bank account to the card and paid $5000 towards it, $2000 more than what was due for that period. The system online said the routing/account number was approved. We received multiple emails saying, "Thank you for your payment" and that the payment was posted. 4 days later we received an email saying that the payment did not go through because the routing number was entered in incorrectly - which we of course would never have known.

I am a college student with stellar grades. I've worked the past two summers and filed a tax return in 2017 since my income was high enough to remove me from my parents' income tax as a deduction. For the past year, I've received numerous pre-screened offers from Capital One that deemed me "prequalified" for a credit card.

I have been trying unsuccessfully to have Capital One close out my deceased husband's Capital One savings account. They have received copies of his probated Will, death certificate, etc. and still they will not issue payment to close out the account. My attorney is beyond frustrated since there are no other documents that can be provided to Capital One and the answers I get from my phone calls are that their "death unit" is handling the matter and, no, there is no way I can talk to someone in the unit. I firmly believe that the unit gets their "jollies" by constantly reminding their customers that someone they loved is now dead. If you have a Capital One savings account I strongly recommend you consider closing it and moving your money to another firm who is more customer friendly.

I am saddened by my latest and unfortunately last time I will contact Capital One. I currently have 4 accounts (2 car loans and 2 credit cards) with Capital One and never really have had any issues and am a very loyal customer. I have been with the company for years. I would always recommend the company because both the credit cards and car loans I had was fantastic. I was under the impression that the company cared for their customers and would be more understanding when assistances is needed. The issue was today, I called because a few weeks back I had totaled my car and my insurance company had cut a check to Capital One. I also had GAP insurance which would pay the difference not covered by my insurance company. All this information was already submitted to Capital One.

I've had their card for 15 years. I use automatic bank withdrawals to pay. On a $343 dollar balance, they increased my min payment from $20-$25, and when the auto payment came in, it was $5 short and they charged a $25 late fee! Compared to my Chase Visa, where the balance is $1200 and the min payment is only $25!!! Customer service refused to waive the fee because they had waived in once in the past year (due to a disputed charge that they removed, and then put back on and again, increasing my ZERO balance). AFTER 15 YEARS of always paying on time...for $25 late fee they were willing to lose all future business from me. That's called being GREEDY and OPPORTUNISTIC.

If I could give it negative stars I would. THE WORST CUSTOMER SERVICE EVER and THEY DON'T HAVE ANY ANSWERS. First of all I sent in a big payment to pay my monthly bill and the rest on the principal. These people took the money and put it towards June's bill and July's bill and the rest on the principal. Well, I called them up an told them the problem and to put July's payment on the principal which was $432.25. Well, the first girl I talked to gave me the correct figure it should be. When it finally posted my principal had only gone down $58.58, which was only 2 days later. I then called back and of course nobody knows about only applying to the principal and nobody can tell me why it only went down $58.58 when the whole $432.25 was to go towards the principal. And after 5 more phone calls to their very rude customer service I still have not gotten any answers or results.

Had a Quicksilver card for 7 months. Trying to use it today was declined. Never missed a payment. Was told there was a discrepancy in my application. What application? What discrepancy? You sent me a pre-approved card. There was no application just my address and social security number. Very disappointed in how they handled this.

HORRIBLE CUSTOMER SERVICE. Capital One Quicksilver Credit card has been my go to card for years now. But after having fraud on my card on two different occasions, the customer service I received while dealing with the fraud has now caused me to NEVER use this card again. Most credit cards, when fraud occurs, will immediately credit your account as to make sure you have the proper funds available that you need and/or expect to have. But Capital One decides that they will hold that available credit for anywhere from 30 to 90 days while they investigate the fraud. This is the only credit card that has this policy and it is absolutely horrible. They are basically saying you are responsible for the fraud until we decide otherwise. On top of that their customer service reps are absolutely horrible and are never willing to help out the customer. Do not get a Capital One credit card!

So I have had the worst experience ever with this customer service. I accidentally made a payment of 400 instead of 40. I called the day I noticed and the rep just transferred me to Capital One 360 who provided me options to resolve this issue. I called on Playstation card on Monday to verify that they do not reprocess payments after they have been returned. They said once. I called Capital One 360 and they verified the payment was returned. So I put my money back in so that I could pay rent.

I paid off my card and noticed I have points. I went the website and after being routed to sign in over 7 times still did not get any information on what I can use the points for or how. Over 30 minutes; they got to update all of my info and I got nothing. I am so upset and disappointed feeling like the quick silver points is a scam. All I wanted to know was how I can use my simple $18 in rewards.

I had my card for 5 yrs. I paid my balance in full. Asked to close my account. I asked if there would be additional costs. Was told pay extra $20 should be more than enough. Never heard another word. I went apply for a loan and was told my credit score tanked due to not paying them and I was 60 days late in 5 yrs. I never missed any nor were any of them late. So my credit is ruined for $20 I never knew I owed. They never called or sent late payment letter or email even.

I was helped today by a representative by the name of Sam. He was awesome. He was courteous very patient and thorough. He talked with me as if he knew me. He even gave me tips for purchasing auto insurance when I do get a car. I have never experienced such great conversation with a representative like Sam ever. I wish there were many many more representatives like him. Capital One thank you for approving me and saving me a heap of money from purchasing insurance through the rental company itself. Thank you Sam.

The process to get my card took over a month to receive after I sent $300 to them as I had no credit and needed a secured card to start establishing credit. I was told that it would take 24 hours for my payments to be posted to my account, this has never happened and usually takes 3 to 5 days to show up. I recently returned an item to a store and had a credit back on my card. This should be immediately. I contacted Capital One and they told me it could take up to 15 days to show up on my card. I find their excuses are always blaming the merchant for the delay. I don't believe them as everything they have told me has been a lie. I don't trust this company and will be canceling my card as soon as I have a different one. I feel that this company screws their customers over more than it helps them.

I know this is going to look like a book but this is a lengthy story. I am an eBay seller. Recently I received an email from Paypal stating someone has filed an "unauthorized charge" on their account. The amount was for $480.00. I had been talking with the customer during the time period he purchased and he seemed to be very happy with the item he bought. We even chatted back and forth several times before and after the transaction took place. I can't really blame this on PayPal because it's Capital One's fault. They illegally instigated this entire thing. When I got this email I was kind of bewildered and after talking with PayPal, even more disconcerted. Pay told me that "The customer had filed a charge back stating they had not AUTHORIZED the charge:" And then they stated, "Sometimes the customer doesn't know that the DISPUTE HAD BEEN FILED"... Meaning that they randomly do this of their own free will.

I submitted an application to Capital One for a balance transfer in the amount of $9000 to pay off another credit card. This request was approved by Capital One and the balance transfer was said to be completed on April 28, 2018 and my account was debited. The payment was to be received by the other credit card company by May 24, 2018 or I would be charged accrued interest (This was a 0% promotional interest rate for 12 months. If not paid by the deadline a 30% interest rate would be applied, which amounted to approximately $8000). On May 26, 2018, 2 days after my payment deadline I received a letter from Capital One stating that the payment had not gone through because the check was returned.

Capital One is excellent on the customer service. If I have an unjustified payment, Capital One will help me to get my money back, e.g. one for $125, the other, $2000.

First time in decades that we did not receive paper bill, so missed payment. As soon as it was discovered, we paid in full and asked for interest forgiveness which was granted. Received more interest on next bill even though bill was paid on time according to paper bill received. Spoke with JoLisa who was VERY rude. Said that due date was changed for next bill although we did not receive notification. She said that there was nothing she could do to help. When asked to speak with someone else, she said that there was no on else to speak to.

I do not appreciate the sound 'mmmmm' coming through the phone cutting me off every time she asked me a question. I had the worst customer service experience with these people. They are rude and do not care at all about their customers. Do not bother with Capital One. NOT WORTH IT.

I have spent many years on the internet reading reviews by people whom say they have done business with others, and were treated falsely. While a minority of those internet postings preclude other important factors. Some are honest. Years ago I had a Capital One account, and for unforeseen reasons I defaulted on amounts I owed. Enough years went by that eventually all of the credit reporting agencies purged every record of all of my accounts Which included finance companies, loans, major credit cards, closed store cards, and gas cards. I decided to apply for a Capital One credit card, expecting to be declined, considering I have no accounts showing.

I have been a Capital One customer for about 15 years. Never was late with a payment, never posted any complaints. My interest rate was in the 6% range for years. Then they raised in to 12% in one jump with no explanation. The next raise went to 16% and when I called to ask why I was told and I quote: "Because we can." I called today to ask for a realistic rate and was told there was nothing available. The rep went into a spiel about regulations and current economy... Didn't take me too long to shut that down. When I told her to close the account she said, "Sure, no problem," like my business over the last 15 years didn't matter. And you know what? It really didn't... these people are greedy and nasty. Loyalty meany nothing. Stay away from Capital One. By the way, Capital One: I have another card at 6% and they're great!

I paid the card balance and was still charged $17.11 in interest. I called and spoke with a supervisor and the response I got "Unfortunately, I can see your intention was to pay the card off, however, the interest was incurred and there's nothing we can do". REALLY, I've never had any late charges or overdrawn the account and Capital One is not willing to write off $17. I will never use their services again!! What's in my wallet - NOT Capital One...

My claim against Special Ops Moving Service was denied without any correspondence from Capital One. Alexis was the processor. She failed to investigate the claim to ensure that it was valid. She basically just went through the process without using critical thinking. She lied in her notes stating that she contacted me by phone and didn't receive a response. She decided that the contract agreement Special Ops Moving Service sent was valid. I spoke to her and based on our conversation, it was determined that she didn't read the contract agreement thoroughly, never mailed out a claim form, never research to make sure that the address on file was correct, and never asked for supporting documents to assist her in her decision. I will be looking for another bank and will be leaving Capital One. It's clear that they aren't going to support their customers.

I have two business which both use American Express credit cards. Not thrilled with the rewards and the fees, I switched one business over to a Capital One Spark card last year. The card has been great and the rewards are much better. That being said, I decided to replace my American Express cards for my other business with Spark cards. Here's where the problems began. I couldn't activate my new cards once I received them. I was told that I had to call the Fraud Dept because my identity might have been stolen (BS). I called and got the immediate run around. I was put on hold and transferred to four different people who each read me a boiler plate statement.

This company takes a chance on consumers. Even after having financial issues involving this company, they took a chance on me. I have 3 credit cards through Capital One as well as an auto loan with a very decent interest rate. I waited a long time and slowly brought up my credit score to ask for an auto loan. I walked into dealership, and I told them I had financing. They encouraged me to look at other sources, then told me they could not help me. I brought out my Capital One pre-approval, and my financing went through in minutes on my brand new vehicle. The interest was .44 more than quoted, but I had no complaints.

I deposited a check, the teller said 100 was available and my funds would be available the next day. So of course it was not. Ok then. So I go into the branch and the banker had to call the phone banking and I was transferred to a security dept. Now I’m already frustrated, this rep is busy laughing and have convo with her coworkers... nothing was explained. So I called myself and the next rep said the whole check will be held till the five business days is up. Ok. Now why does the balance keep going down... if the check is on freeze. My balance with this bank always goes from low to highs and I don’t understand this. 'Cause I closely monitor my spending and funds. The bankers rely on phone support 'cause they don’t what they are doing. And phone support sounds like they make up as they go along. Worst bank ever!!

I had to make a second request to Capital One for a new credit card. The first time, even though I did give them a new address, it wasn't updated within the system. This is why I have another credit card for instances like this anyways. In this latest request, I received nothing but the utmost professionalism and assistance from Rochelle when calling into a live representative. The spin off of Signet Bank was one of the first adopters of utilizing data science, so I know that they would probably benefit more from giving discounts for customer retention over trying to pull in a new customer to take my space, so I asked if she was able to assist in reducing the fee for the late payment I accrued as I was absent minded and forgot about the card that I wasn't using for two months.

I have had several different accounts with Capital One since 2008 and have always keep them in good standing. In March I found out that my information was leaked due to the Equifax breach and I was one of the 5% that were immediately affected. During this process I found out that I had some fraudulent charges showing up on my bank accounts in the form of ACH bank drafts. In return my bank suspended any bank drafts until we knew everything was taken care of. I had 2 payments scheduled and they were both returned due to the freeze on drafts, which the bank had initially said they would allow but long story short they didn’t. No big issue in my mind, I will just schedule a debit card payment.

I have to agree with everything that I have read about Capital One. It's really nearly impossible to deal with these people. I filed a dispute over an eBay purchase where I got ripped off and Capital One makes the process so long and drawn out that it's impossible to get anything done. You have an eBay sellers selling illegal seeds and according to eBay's own policy, these people are not following the guidelines NOR state and Federal law. And even eBay's own person with whom I spoke admitted that this seller wasn't following policy but neither eBay, nor Paypal NOR Capital One made her refund my money. eBay's making too much money off allowing the illegal sell of seeds and PayPal is owned by eBay so they'll back anything they do. Capital One gave me no protection either even when they agreed with me.

I went on to their site paid the current balance on both mine and my husband's account. Balance says 0 due then I get another statement stating I owed finance charges so I called them. They said finance charges accrues daily. I said okay but I paid it and it said 0 balance due. They would not waive the finance charges and they didn't care that I close both accounts. I would not recommend using Capital One.

I’ve been a customer with Capital One since 2015. I started out with a secured account and was offered an unsecured account. I got the Quicksilver account and within six months my limit was increased due to good payment history. In April, I had identity fraud on my checking account with Wells Fargo and it was restricted by them after my payment was scheduled, so Wells Fargo blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but Wells Fargo rejected the transaction twice so Capital One restricted my account and closed it. This is after years of exceptional payment history and no returned payments.

I am very unhappy with the way Capital One handles credit card. I applied for a credit card and got approved but with very low credit limit. I was trying to talk to customer support to increase and she goes forward and cancels my card as they can assess my account to increase my credit limit. When you can access my account to increase my credit limit how on earth can you access to cancel my card. Such a rude service and irresponsible and unprofessional people. I wish I knew her name or something. I will never recommend Capital One to anyone. I got credit check on my record literally for nothing and now there is going to be cancellation reported to credit history. Such annoying and very unprofessional service I have ever encountered.

I have Capital One Venture credit card which had a limit of $20,000. I got a mail from Capital One stating they are decreasing the limit to $10,000 and they gave me below reason: "Current account not used enough for assigned credit limit." I have a spotless payment history with them. The reason is unacceptable and none of other credit card companies ever done this. I called the customer service department and they were unhelpful. They couldn't understand the simple math that it could have adverse effect on my credit score. I have had trouble in past with Capital One. I highly discourage people from using Capital One services. Two of my friends had the same issue and their terrible customer representatives made it even worse. There are other great alternatives, opt for them.

Where is disappointed. Capital One declined me for a credit card. The reason they're telling me I open my account eight month ago. I will never carry Capital One card anymore. Got the hard inquiry for nothing and I'm going to close my existing card. I would not recommend Capital One cards.

So I applied for a credit card and was approved. I provided them with my banking information. Two weeks later I received a letter in the mail stating that they have yet to have received my deposit money. So I call and speak to someone on the phone who takes my money out of my savings account directly. I wait another month. The card arrives. I try to activate the card and the account has been closed. Apparently it was closed when they took the money out of my savings account because they don't do debit accounts.

I had my card for 16 years old and paid the card. Call Capital One to ask to lower my interest rate. They stated it could not be done. I was paying 24% and I guessing for the whole 16 years. Silly me, huh, I know. I will never apply for credit with Capital One again; and I will tell others not do so as well. What's in your wallet; shouldn't be Capital One.

I am writing an update to my review: I am wondering if the "stalls" may have just been a poor internet connection on my part. My bookkeeper was able to get my rewards redeemed pretty quickly with a stronger internet connection.

This is one of the worst banking experiences I’ve ever had. These people don’t do their jobs, and they don’t care about their customers, or retaining them. About three weeks ago, I responded to a text message offering lucrative $500 weekly payment for them to put advertising script on my car. When a check for $2,550 drawn on Capital One arrived in my mailbox, it seemed suspicious, so I deposited it in my Capital One checking account and told them it would take 10 business days to clear. Capital One cleared the funds right away, but a few days later the check bounced. I could have taken that money out in cash, and left Capital One holding the bag. I chose not to do this.

After having been with Capital One for several years (20+) I was sent an email stating that my credit card was going to be blocked unless I called the company with my physical address. I had been using my PO Box for years, as many residents in Hawaii don't receive regular mail delivery to their homes. So after many years, Capital One thought it was imperative to have this updated information. I called and gave my address and was told everything would be taken care of on their end. A few weeks later I received another email from Capital One indicating that my account had been closed for not having provided a physical address. I called again. I was told that it would be approximately 7-10 days for them to review my information and they would decide then if they will reopen my card. I was sent a letter stating they would not be reopening my account.

You guys are the worst company. I was stranded overseas and you did nothing to assist me. Your customer service representatives were less than helpful. The one customer service representative even refused to continue answering my questions and hung up. I finally spoke with one CSR from Capital One who helped me when I had to call Mastercard directly who then assisted me. I have two credit cards with you. You only replaced one card.

After six months of being patient trying to work through a dispute with Expedia I ended up closing the account. This is not a company that will fight for its customers. I paid to have a flight rescheduled that was then cancelled by the airline. Neither the airline nor Expedia would work with me on a refund. Capital One drag this out for SIX MONTHS and I patiently worked with them (shame on me). After six months they told me that it was too long to pursue this any further and washed their hands of it. I cancelled the card with $130 in points left on the card which they would not refund me. Hopefully they use it for personality training for the supervisor who handled my case because she has NONE.

I have been a customer for Capital One Bank for many years. I have checking, savings and venture card. This past week I have been super disappointed with their banking. I have deposited 6K check on the 26th which is still being reviewed. They are telling me they have some concerns with the amount, while the check was from my husband’s account and it cleared his bank the same day on the 26th. I wonder what do they do with all these deposit checks and why do they hold them from us? I will be moving all my accounts to a better bank that will have my funds available within reasonable time.

I have been with Capital One for many years. Although I haven't used their cards much recently I was surprised to see that my interest rate was almost 25% for my two (2) credit cards. I use them when I order online and travel as they are not connected with my banking institution and therefore help in minimizing fraud. My interest rates started out at less that 10%. I subscribe to automatic payments in addition to paying extra each month. I called today to inquire about the 25% interest rate and was advised that Capital One adjust rates every six (6) months and that no adjustment to my rate could be made now. I cancelled both of my accounts and will pay them off within the next two (2) months. What a parasitic operation.

I have been a Capital One customer since 2007. It was bad enough when they jacked up my interest rates (for NO reason) literally the day before the Predatory Lending Act was signed in to law (from 7.9% to 17.9%, and from 8.9% to 18.9%), but they have consistently refused to lower my interest rates ever since. After my husband suffered a stroke and congestive heart failure, my high deductible insurance made it necessary to carry a balance on the cards for the first time. As a result, I ended up with $6,500 on one card and $4,600 on the other. After yet another failed attempt to have them lower my interest rates, I took out a personal loan to pay the balances, and then I shredded the cards. Didn't close the accounts because I don't want to impact my credit score, but it will be a cold day in hell before I do business with Capital One again.

Capital One is a ripoff company. CreditWise is a fraud. They're not reporting accurately about your credit report. CreditWise is telling you your credit report is one thing when it's really another. Call the credit reporting company. That's what I did. They told me I had a student loan. I didn't. They told me my credit score was 500. It was a lie. A lot of what Capital One tells you is not true. I knew it was not true because my credit is locked so how can you report on my credit if my credit is locked. That company commits fraud all day every day. I advise everybody to close their credit card. Pay it off as soon as possible and close it. They're not helping your credit score. They are damaging it. Their representatives can't answer common sense question. Get rid of them ASAP.

I have not been able to get through to customer service in 3 months, unable to access online, was rebuilding credit after divorce. This company does not help rebuild credit. Balance has been paid in full, I have not used the card in over 4 months. Last check I sent was for a piddly $100.00 just in case I somehow was incurring some random charge? I couldn't give them a payment over the phone without incurring a fee. I did a few times just to be done with it. I had no statement sent by mail, unable to access online and unable to reach an account representative, so I just sent the $ by Pony Express just in case I was somehow responsible for some monthly fee.

This company is HORRENDOUS!!! My husband and I have been disputing a fraudulent charge since December of $1,000. We have had this credit card since 1991 and spend a minimum of $100K per year and always pay our balance in full. WE have NEVER disputed a claim. They refuse to believe us, listen to us or put us in touch with a manager. We speak to uneducated clueless telephone operators who put us on hold and hang up. DO NOT use this company for a credit card. WE are cancelling. They are disgusting and deplorable.

On April 14th I paid the balance $4,998.50 to pay off the credit card in full. However I was still charge today interest of $84.56. After reading other Consumer's Reviews I called Capital One to close the credit card and paid the interest $84.56. I am so appreciated for other Consumer's Review. It helped me make a very good decision to close out the account.

For weeks I was getting cash advance charges on my card from ISPA/PIMDS, some back to back within mere seconds. The charges resulted in over $1000 on my card in addition to cash advance charges and interest charges. Numerous phone calls resulted in absolutely nothing. Finally, I spoke with a manager who informed me that none of my complaints had been followed through. My case was handed over and I finally received credit for the charges and fees, however, did not receive interest charge credits.

I was an avid Capital One user... Loved my Capital One card. I decided when my husband got sick to pay it off in full and close the account for the time being. I planned on reopening it in the future... Called them. They have me a total owing and I had my bank pay them the total amount requested. Next bill I was excited because it should be zero... Nope they charged me interest for the days it took the check to arrive! I asked them to waive the interest and they refused! Never made a late payment in my life, still haven't. But Capital One lost my account... my husband's... and all four of my children's. All over being greedy over 31.07! I closed several other accounts that day. Not one charged me interest! So check out American Express every day Blue and Chase Disney!

This is in relation to BUYPOWERCARD from Capital One. There is supposed to be protection from wrong charges on your credit card. There is not with this card. Customer service is worthless. I plan to cancel this one. Case in point: Charges from a store - merchandise never received. Capital One reversed the charge and re-charged it 10 days later. In the meantime I had received forms to fill out. I did this promptly and faxed it to them. Customer service claimed to never have received it. I had verification that the forms were received on Capital One's end. Capital One refused to remove the charge.

Capital One Mastercard - I was late by 3 days after the company tried to contact me, by mail to an old address, and as soon as they called me I paid twice the amount owing and updated my mailing address. I then got a report from Credit Karma by email that my credit had dropped drastically because of Capital One. When I phoned them they were not helpful at all so I paid off my prepaid account, as it did not have a very big balance, and they now owe me 3 times the amount back from the security deposit I had paid to open the account. All this over $ 34 payment 3 days late... Do not deal with this company. There are other companies a lot more forgiving and tolerant than this company. They claim to assist in building credit but will tank it over $ 34. Protect yourself and find another company. It will be interesting to see if I get my money owing back to me in 3 days. I wondering if I can file a claim to the credit bureau if they send it past 3 days late.

I am not getting a bill and I am getting charged a late fee and interest. I have requested the bill several times and received the wrong bill. Today I spoke with a supervisor and she was not very interested in resolving the problem.

Stay away. Have had this card for years. Recently I have been getting late fees even though I’m making payments on time. I pay them the day is due but they don’t process it until another day. Then they refuse to waive the late fee. Last March 23rd called several times to make a payment. Was on hold for 2 hours. Got them on the phone. I made my payment on the due date. Was told that I was getting a late fee. Spoke to supervisor Page. She told me that I had to pay a late fee. I asked, "Why? This is my due date." The answer I got was they had no offers to remove the late fee. Will never use this credit card again. Don’t recommend Capital One. Use Chase. It’s a better credit card.

I have had this card since 2004. I have had Black status (>$25,000 per year) for many years. When it was owned by World's Foremost Bank the customer services was exceptional. With the acquisition of Cabela's by Bass Pro Shops, the credit card business was transferred to Capital One. Now the customer services is unbelievable poor. I am working on scheduling international travel and my card continues to get blocked as suspected fraud for simple transactions. I have called customer service three times in the last two weeks in an attempt to resolve this. Each time I am told the problem is fixed but it has yet to be addressed at all. Seriously considering canceling card. I like the cash back for Cabela's purchases and also like keeping card turnover to a minimum but need at least D minus customer service commitment and see Capital One as a long way from even getting there or caring about getting there.

On 4/7/18 I paid off a large credit card debt to Capital One credit card. I looked up the balance and paid it off according to what the balance showed. On 4/18/18 I made a payment of $1.00 because I was short by $1.00. On 4/16/18 I get a bill from Capital One for $62.00 for interest. I called them and told them I paid it off according to the balance and they told me that the 62.00 was interest that was accrued that wasn’t included. I ask them to waive in and they refused. They said there were no offers on my account to allow them to waive it.

I really needed to repair my credit... I did some damage with student loans. Within 5 months of using my Capital One credit card, my score improved so much that I was able to apply for a Scotia Bank Visa online with no problem! Within 5 days I had a new Visa with the limit I requested. Great card to rebuild credit!

I made an agreement with Capital One for payments to bring my balance down. After I paid a certain amount, my card would be unrestricted. I made the first payment. Then, I was able to make a payment to bring my balance down a considerable amount, more than the agreed amount to get it unrestricted. They told me once I did that my funds would be available the next day at 8 am. That morning they weren't available so I called. The person told me they would be available the next day at the same time. Well, they weren't! So, I called again and the person told me of course the next day. I must have asked him 10+ times if he was positive and he said yes. What do you know they weren't available! For six days I've called them and every single time they say the next day at 8 am and the funds aren't available.

DON'T TRUST CAPITAL ONE - QuickSilver - ZERO STAR - BAD EXPERIENCE. They are a liar. They said if I open my account and spend $500 on purchases within 3 months, they will give me one-time $150 cash bonus and cash rewards for every dollar I spent. I did, I met the spending and time requirement. They decided to close my account and said my cash bonus or cash reward was forfeited because the account is closed. They lost their credibility with me. How can a big company do such thing, no integrity. They are FRAUD! I called them, they said there's nothing they can do about it. They said it states in the user policy that they can forfeit anytime, knowing that most consumers don't read or understand them when they read the policy. They set us up so they can fraud us. Please pass this along to your friends and family to educate them for being taken advantage of.

Recently after paying a credit card balance in full to these people, I was contacted by their fraud division. They couldn't tell me what it was about until I jumped through their "hoops". As I live in a cell phone "dead zone" and have limited computer capability, I could not comply with most of their requests. They settled for a FAX of driver's licenses. The following day we were notified that this was inadequate and they needed repeat faxes of identification, social security card and proof of residence. For several days now, my account has been frozen. I just want to them to return any overpayments and close my account, but they refuse to do so. I have an impeccable credit record and I am not used to being treated like a criminal. Stay away!

My debit card dated 05/19 as expiration was declined when I tried purchasing goods and Capital One bank is telling me the card expired about a day or two ago, when I called nothing could be done, the only Capital One bank in my area is closed, so am supposed to wait for 5 days before I could feed my family.

Very bad customer service. About 4 years ago when I was rebuilding credit I got a card with them with a very low credit limit. It was about $300. I kept it for months charging a few things on it and making payments. My credit rating had jumped way up since I got the card and I was getting offers for cards with much higher credit limits. I called to ask for a credit line increase. They declined saying my balance on the account was too much based on my credit limit. I had about a $75 balance. Since my credit limit was $300 they considered my balance too high. I thought I was doing good keep a balance to make payments and keeping it low. So then I kept my balance at less than 10% of my credit limit or $300 so I had to keep my balance below $30... ridiculous.

I've been a loyal customer of Capital One for years and have paid a substantial amount in interest and have not scared because I love them; however, I reached out to try and get a little assistance and three different people one of which was a supervisor lied to me saying they don't provide the type of help I asked for. This completely blew my mind with frustration and just cannot believe that they were not able to help in any way, shape or form and lie about the whole situation. Just completely unprofessional and makes me don't even want to utilize my Capital One account any longer or recommend this to anyone again. I really hope that someone might be able to take into consideration and maybe at least reach back out to me and maybe trying to explain why I was lied to and just treated like a un-valued customer. Truly sad!

I have informed Capital One I am not working but plan to return in early May. Apparently this is not enough. Relentless calling even after 9 PM. I am at my wit's end with these people, but I guess that is what they want so as to break you down and even borrow the money to pay THEM. Also they have totally destroyed my credit rating.

How awful to just throw a good customer away simply because they entered their payment incorrectly. First, I live with & share expenses with someone. I told them NOT to touch the $ in my bank because I had paid an extra payment to CO to generate reward. It was returned because they did remove money. Then, this month my income tax was coming in so I hurried and paid off both of my cards. I selected the wrong day and it didn’t clear. As SOON as I found out I resubmitted and it cleared. Now... That being said, my payment was NOT even due, I have NEVER been late, and I almost always pay it off or above minimum. Well... They closed both of my accounts. I am brand new to credit. I only got my first card in June of 2017. I didn’t know it was a big deal. I looked at it like an extra payment to help establish credit and if something went wrong and it didn’t clear then I could just re-do it.

I made a payment this evening, during the call the automated system said my payment wouldn't post until tomorrow but it's due today. I spoke with a csr who informed me that there was no late fee already posted to my account but there may be one in the morning. Wtf?! My bill is due the 12th, paid the 12th and on the 13th, I'll have a late fee. Great way to treat your customers!

My husband passed away in January 2018. My husband received a bill from Capital One. I called and they said I was not responsible for the bill, my name was not on it. Because of this bill Capital One put a lien on my husband's motorcycle that I am trying to sell. They told me I would have to make some payment on the credit card. I offered 500.00 (having just lost my husband, many medical bills and a mortgage, it would be tough.) They refused my offer and said I had to pay half the bill. I asked them to send me a letter per our conversation, that if I sent them half the money I would get the title. They refused. It's not their policy. I was advised by my attorney not to send the money. I tried to work with Capital One and they just wouldn't work with me. They won't even repo the bike. I was willing to make a payment on a bill that is not mine, and you guys wouldn't help. I hope to hear back from someone, if Capital One cares at all. Thanks.

My experience with this company has been like the majority of other reviews left by their other dissatisfied customers. Capital One recently sent me an email approving new car financing. This is a new tactic. Up to this point they were just wasting paper by sending me these loan offers. Most of these offers were sent with postage paid envelopes that I promptly filled with all the paper they sent me, not filled in of course, along with the envelope they sent it to me and mailed it back to them. I don’t care how much it cost them in postage. I am so disgusted with this company. You see about 7 years ago my mother passed away unexpectedly. I needed an increase of my credit limit as my limit is a low 1500.00. My interest rate is so high and it has been very hard to pay more than the minimum amount each month. I only asked for the amount of a plane ticket. That’s it. Nothing more.

My normal credit card payment was posted March 23rd. Decided to pay off the amount on the 28th; with a post date of March 29th. Between March 29th when I paid the balance in full; I was charged $90.26 interest AFTER I paid the balance. The customer service Rep., Kevin, stated that since it was my first time paying it off (which it wasn't - I did pay it off in a large lump in 2008/2009) that I was required to pay another full month's interest. The interest was as of April 5th (one week after I paid the balance in full). I had been a member for decades. Thank you Capital One for making it easy to use a different company.

Capital One is a terrible credit card company. I had a zero balance at the end of the billing cycle. When I called to inquire why, I could not understand anything the representative was saying. The dialect was horrible. I asked to speak to a supervisor and explained that I had a zero balance and was still being charged interest. The bill was actually paid almost 2 weeks prior to the end of the billing cycle. Mind you, I have never been late and I always paid double and sometimes triple what the amount due would be. I was told that the interest was from the prior month.

Capital One Quicksilver card - Capital One has extremely awful customer service. I have been given misleading information multiple times, outright lies & falsehoods. The Outsourcing to third world countries to answer the phone is unacceptable in Today's Times. You don't understand what they're saying & they don't understand what you're saying. That's Awful. I have nothing against the Hindu Indians from India but I am a United States citizen & we speak English here in the great old USA and if you want my business I expect more when I'm calling in to ask question.

Capital One Bank customer service has gone from Great to horrible. Last 3 phone calls I made to their customer service team has been horrific particularly with employee number **. His manager Henry employee number ** act like he was helpless, no empowerment and no demonstrated no real remorse. I guess this is their norm now treat customers like they don't really matter.

You idiots updated my account address 5 months after I asked you to and now you're telling me I can't change the payment date 3 days after you guys chose one for me. I'm paid Friday 2 and you chose a Tuesday. Who the hell is that convenient for? I get direct deposit and no way will I ever be paid on a damn Tuesday. Stop ** up everyone's credit and help. No one wants a creditor out to get you, you idiots. You don't even have cashback and perks on this damn card and I had it for over 5 ** years! Treat your customers with care idiots.

I have been with Capital One for a year, and they keep denying a credit line increase due to a returned payment they say I have on my account. I have never had a late payment posted to my account, and have had a 35,000 car paid off through them. They have also pre-approved financing for another new car. This is so ironic because there is no returned payment and you can approve a new car but deny a request for a credit line increase. You cannot speak to anyone who can review account to resolve this issue. I am so disappointed in Capital since I have two credit cards with them.

In 2015 my father passed away. My mother who is now 93yo had only one credit card (VISA) she wanted and we worked to get her set as the primary on that card. My folks had several other credit cards, many of them expired or dormant. My sister and my wife both returned those cards cut in two to the respective card companies. One of them was a Capital One GM World Mastercard, that had been dormant since 2010. I remember that card because my folks got it specifically to use points to buy a GM car. When they were told it could not be used to buy a Saturn they stopped using the card. I am the POA for my Mom as she is 93 yo and has vision and hearing problems and cannot write checks or pay bills. I now pay all her bills, they come to me, I live 250 miles from her. We both live in Florida. She barely leaves her condo.

They recently closed my BuyPower card because there were a 2 or 3 payments that got returned, right? I was pissed about that because I had been making payment successfully and on time for over a year. Wrote a review about that card and I won't get into it because it'll just make me ever more upset, cause they obviously care nothing about your loyalty. But when I spoke to them about it, I SPECIFICALLY asked, "Will my other card be affected by this?", they said "no". Then, much to my surprise, I wake up this morning to find that my other card has been closed. When I asked about it, they said that if one card is closed, so are the other cards as well.

Terrible card. Customer service is all scripted. You have to pay your card earlier than the due date. You get late fees for paying the day of. Customer service can't help you because they are only allowed to read their script. I'm so frustrated!

I got this card to build my credit, instead, they cost my credit points because they wouldn't replace money on my card that was stolen by a criminal company. Four times over four months they allowed another company to take $25.00 out of my account. My card was MasterCard Canada; the company that kept on taking my money out was MasterCard U.S. Go figure!

Thanks for taking a small chance on me as your card holder! I wanted a card that could help me build trust and credit at the same time. Keep up the thoughtful customer service Capital One, always good to know y'all have the customer in mind when developing products. Yes! I’m loving the APP, and how easy you can personalize it, I’m all about customization!

I called Capital One for assistance in January for a charge I was disputing for a camping reservation I canceled. Never received my credit. Have called back 8 times since January 16th only to be told today they need me to submit my original charge of which they should have since I can access it online. If you needed that information, do not wait 3 months to ask me for it. Still going around and around over a charge that should be super simple to take care of. Capital One does not have your back or provide the consumer with the protection we deserve. Everyone should cancel their cards and pick another service provider that cares about their customers.

Back in September of 2016 I lost my job and became unemployed and did not receive unemployment benefits. I expressed this to Capital One being that I had a credit card with them with a 500 credit limit and they insisted that my account will be fine. I missed December & January 2017 30.00 payments and once I got a job and paid them on 1/28/17 I realized my credit score went from 680 to 450! So I called all three credit agencies and they told me there is nothing that will bring my score up to 680 besides Capital One removing those 2 missed/late payment of your credit report!

Called Capital One to request a lower interest rate as every few months they are increasing my credit limit. 7 years a customer, never a missed or late payment, paid off over 8,000 and carrying a zero balance when I called. Their offer? 20% APR for 7 months... Then back to 24.9%. They have raised my lines of credit to almost 10,000! Would charge any significant amount on a 20 - 24% rate? My credit union is offering 7.9 - 14% Thanks for the insult Capital One! I closed both credit accounts, am transferring my Roth IRA and closing my Capital One investment account and will close my Kohl's account that is also through Capital. I won't appreciate any company who doesn't appreciate my hard earned! My credit union thanks you too... They're getting the new business!

I got charge $205.92 from a merchant for professional services, but the merchant did not do what they were supposed to do on their behalf. Capital One have to credit the amount charge to my account, but never did that's why I'm posting this review. On top of that after I paid the whole balance on my account they still charge me interest! Now I call them to close my account, get Citibank cards. They don't charge annual fee. No interest for 18 months. Forget Capital One.

We traded in our car and Capital One has been giving us the runaround and not paying the car off so the dealership can get the title. The dealership has sent 2 checks and Capital One keeps returning the check and not just paying the car off.

Overall, I have had a 4 to 5 star experience holding a Capital One credit card for several years. However, I am not of the “kick ‘em when they’re down” mentality, & I find the practice offensive, whether personal or business. When my finances shifted for the worse about a year and a half ago, I tried to “maintain.” When I acknowledged the degree to which I was challenged to do so, I reluctantly decided to enter a debt management program. I am dedicated to expunging my consumer debt and have honored my contract to abstain from obtaining credit elsewhere.

Capital One has been my bank for many years. Last year I came into a lot of money with the sale of my mother’s house. The Banker named Christine ** at my branch in Staten Island kept harassing me each time I came into the bank, urging me to "Do something with my money-It is too much money and Nobody keeps savings accounts anymore-It is old-fashioned". I told her that I will be buying a home in North Carolina by the fall (2017) and that it doesn't pay to embroil myself with C.O Bank anymore as I will be leaving NY soon; I need the money for expenses and there are no CO Banks in NC. She looked up the zip code in NC and told me there was one right in the town where I was looking which turned out to be false!

After trying to work through a payment schedule supporting my daughter who lost her husband, is unemployed and the mother of four children under 12, I am too exhausted to write the details of this horrid company. I have spoken with too many representatives, all with different plans, none which help in any way. The only benefit for anyone is the company racks up interest and late fees. DO NOT DO BUSINESS with this company. I score them minus any star rating.

On 3/244/15 I called Capital One Credit Card Division at 1:15 pm as instructed by an email from them regarding a fraudulent charge. The initial customer representative wanted to speak to the primary cardholder, who is unable to speak due to health. I explained that information to Capital One representative and stated the charge was fraud and please take the steps necessary to secure my account; adjust, freeze or close - I don't care. Just protect my account. He still insisted on speaking to the primary cardholder. At that point we had been on the call for 26 minutes. I requested a supervisor; he put me on hold for 57 minutes!! When the supervisor came on the line we had the same conversation to no avail. I will close my accounts. I will not pay one cent for any fraud.

I have called Capital One multiple times, asking for status updates because I cannot access the account but even though it was flagged for security - they withdrew the $10k from my grandmother's checking account. So, the money was hostage.

I have been a customer with Capital One for almost two years and I called in reference to a credit limit increase and had the worst customer service experience I have ever had. I was told that there was no one to talk to or ask questions about anything to do with a credit limit increase. I asked to speak to the supervisor and was put on hold for about thirty seconds and the same person came back on and said they were the supervisor and gave the same name, Kay, as the first person and had the exact distinctive accent. The pronunciation of her words were exactly the same. So I was lied to twice. I don't believe for a second that a company as large as Capital One doesn't have a dept for this and then for "Kay" to come back on the line and pretend to be the supervisor. It was really obvious that it was the same person, really obvious.

I have had this credit card for over ten years and it had been good for points and travel. Recently their customer service representatives are unreasonable, uninformed, and ignorant. In one instance my username was changed without my consent and they would not help me to access the account. After two phone calls with stupid and stubborn I was so angry I have decided to cancel my longstanding account. I pay $35 a year for the pleasure of being treated by people that don't know anything about customer service. Not anymore.

I HAVE BEEN A CUSTOMER WITH CAPITAL ONE FOR OVER 2 YEARS AND I CALLED AND REQUEST A CREDIT LINE INCREASE BECAUSE MY DAD passed away and my family and I didnt have the money for burial expenses, after 2 years of on time payments they denied it. All they said was sorry they couldn't help. This is the worsest card ever and after this I will be closing my account and paying them off, please find another credit card. They are not what they appear to say they are.

Capital One took money out of my account to open my secured credit card only to come back a week after taking the money from my account to say my account was flagged as fraud. On March 13th I called to see what I needed to do to get my account activated I was told only my driver's license was needed and it would be cleared up within 72 hours. On March 17th I had not heard anything from them so I gave them a call only to be hung up on twice before getting to the 3rd person and them telling me I needed to provide more information. While the representative was on the phone I sent a copy of my utility bill, bank statement to prove proof of address and also my social security card. Once again the representative was working to get everything approved. Everything was going fine and the representative hung up after having had me on hold for an extended amount of time.

Went to redeem points to apply on card account. Told me that they can’t- they have gave me the runaround because someone stole my identity and they will not let me apply my points on remaining balance 380.00 worth of points. They will steal them any way they can.

Contacted Capital One to discuss interest charges added to statement. I contacted customer service last month to verify our payment had arrived because it had not been posted to our account on the due date. The representative confirmed receipt of check. It was not posted on the due date instead it was posted 1 day late. We were charged a late fee and interest on the previous month's average daily balance. I called again to discuss. Was informed that they apply payments the same day they received them and that no adjustments were available. So I set up auto payment for our next statement. I was nervous that the payment might not get posted on time because the only option for auto payments is on the actual due date, you cannot set the auto payment to pay early.

I used Capital One app to make a payment with interest saver. Paid over 2000 dollars and they still charge me interest for the billing. Called Capital One and I was told since it was my first time using interest saver I was charged.

I never write reviews in a negative fashion, but Capital One has complete ** policies. I have had a card with them for many years, but have not purchased anything on their card for at least 5 years. I requested balance transfers. But they seemed to never have had a promotional rate. So now, as I am in the process of trying to purchase a home, they decide to cancel my card... No advance notice. In fact, they sent the letter in March that they closed the account in February. That simple move dropped my credit score at least 30 points... And dropped my FICO score category down one level.

Waiting 52 min...credit card department to pick up the phone!!! After 52 min gave up...I am giving "0" for customer service over the phone!!! Capital One ruined Hibernia Bank in a big way! This is not only worst company to work for, but as a customer now, I feel like no one can help me either. Next week I will take all my money and will go to open accounts in smaller local bank...I am DONE. RUN AWAY from this bank as fast as you can.

This is a terrible credit card. It has a limit of $5k. That $5k limit is for both cardholders - my wife and I. That is $2.5k each. Ridiculous limit especially for booking any travel. We have asked multiple times for a slight - moderate increase. We have a great credit score and always pay our bills on time. That makes no difference, they always declined the requests. The last time they told us "You cannot ask for a increase, you have to be invited." What nonsense. We are getting rid of this card and warn everyone to stay away.

I have always made my payments on time and most of the time made two payments a month on both of my cards. I have requested twice now for a higher limit and I keep getting turned down... (reasoning is because I don't make higher payments on my cards) lol. For a valued customer. That does not miss a payment on any of my bills. I will no longer be doing business with Capital One. I have now locked both of my cards. And will pay them both off next month with my bonus check. They should not treat customers that are loyal this way. I'm going on vacation and that's why I requested a credit increase. I am very disappointed with their services and will no longer require them. I could understand if I ever missed a payment or even 2. But I've now had both of my cards for almost 4 maybe 5 years. Going forward I'll read reviews first and find the right card for me.

A few months ago, Capital One has modified the website. Before the changes were made, I could select my language (French) and each time I was opening the website it was posted in French. Now, every time I access the Capital One website, the page always appears with US and English. Even if I choose Canada and French, and I click on "Remember me", it always comes back to United States and English. I am not able to keep my internet page on Canada and French. I have already phoned Capital One, but nothing changes. The computer programmers who work for Capital One are totally incompetent. I conclude that Capital One has no respect for credit card customers.

I made a substantial early payment on my March bill and the auto pay came out on top of that. When I realized what had happened, my checking account was overdrawn and I incurred $175 of overage charges! When I asked for help in straightening out the situation they said they was nothing they could do. If you love working with big banks with no consideration for those who don't read the fine print, these jerks are the way to go.

On October 4 Capital One denied CC charges for fraud while in Fort Lauderdale. After contacting them they approved the charges. This cycle repeated itself 3x that day with each new purchase. Finally they acknowledged that the card was compromised. I decided to close my account because of poor customer service. They sent me a check for $1795 dollars for the remaining points I had accumulated. They refunded my annual fee. I was locked out of my account. Three charges appeared after the account was closed in the amount of $695. I was not notified until an email I received on December 26, 2016. Despite acknowledging this was their error and removing the late charges and interest expense for all charges associated with this late payment they reported the matter to all credit bureaus as a late payment.

I have been a Capital One customer for 5 years and have had really good experiences with them up until this last year. I suddenly find that it's extremely hard to get in touch, and when you do manage to you are spoken down to as if you were a small child getting on their nerves. I had a fraudulent charge taken out of my account and it's been a nightmare to sort out, the last representative I spoke to was so rude I put down the phone. I have savings and my wages paid in, and a credit card, but I'm going to switch to Discover. Perhaps when their customers start leaving in droves they'll improve.

I was in trouble and a lady named Violet was a bliss. She stayed on the phone with me for 2 hours almost and she is the only reason I will continue my business with this bank. Capital One bank you rock just cause of her...

Capital One deactivated our credit card without warning while we were traveling because we had not paid the previous month's bill. The only reason we did not pay the bill was because it never arrived in the mail. Prior to the missed payment, we had paid our bill off in full every month for over 10 years. So yeah, we missed one payment, but what happened to the bill? And why no heads up before deactivating the card.

I received an offer in the mail that I was pre-approved (not pre-qualified) for QuicksilverOne with no interest the first 8 months. It was a classic, illegal bait and switch. I received the card, however they did not give me the promised 8 months with no interest, but conveniently failed to inform me of such. They further perpetuated the scam by not charging me interest the first month, making me think they were true to their word. So imagine my shock when there was interest charged on my second billing statement!

They strive to make more money off interest because you can not pay on time unless you do online banking. I have a paid bookkeeper to pay my bill and I now had to pay more interest than the $524 I got back in "cash back" last year.

Two years ago I disputed transactions made on my account. My dispute was denied. When I called in to see why a representative told me that it should have been approved due to my account being a part of the password reset 2016 she told me to tell the security agent she was transferring me to. Well that explained why I had to reset my password for 3 months straight and I was never informed ahead of time. Also if you plan to overdraw your account and you intentionally do 5 small transactions and then a week later do one large transaction Capital One will process your transactions out of order to charge you 4 overdraft fees instead of one. Or will deny one large transaction but will allow you to make 4 small ones.

Capital One spends millions of dollars to lure customers in and then doesn't take care of them. United Airlines put on 2 charges of $700.00 each on my card that I did not know about, I was not informed of the charges and I did not authorize them. I charge over $100,000 per year on my Capital One card and I have a $50,000 credit line on the card and I verified that I had not authorized the charge and Capital One still charged me. I disputed it and gave Capital One all of the information and they still let United Airlines charged me. I have now cut up my business and personal cards with Capital One and I am now switching to a Chase card.

Had a Capital One Credit card for many years. Always have some balance in the card. I used it a lot! I paid off my balance. Changed my password and moved one time. They (Capital One credit card service) put a restriction on my card without notifying me of any restriction. How embarrassing if I was going to use the card in public and would be declined. I called customer service and always get a strong accents rep. That individual did nothing for me so asked for a supervisor. Another very strong accent. Why? Anyway, they tell me that my card was restricted because I updated my address and changed my password and I needed to go to a bank to verify my identity. If not send copies of license, social security card, utility bill, etc.

Miserable customer service. Tried to get online banking to set up business online today. Their instructions on their site very clearly say "or put in account number"...didn't work. Tried calling. 3 hours on hold various numbers... called my local branch who directed me to the same damn number. NOT THEIR DEPT. 3 hours later I decided to try and activate the new debit card they gave me. Called the number automated voice says PIN number and account don't match... transferred to person... explain. She tells me the online banking "oh, it says put account number but that won't work, you have to use social security number."

This week my accounts at Capital One were close with no prior warning or reason. I called customer service and they couldn't give me any clarification. I assume the reason was due to inactivity on the accounts, but if that is the case I would have appreciated a warning. I had been a customer about 7 years and I had a sizeable amount in the savings account. I would never recommend this bank to anyone. Horrible practice and clueless customer service.

Capital One froze my deposit accounts for over 2 months without even informing me citing suspicious activity. While I respect them taking due diligence to prevent fraud, I would expect them to inform the customer before making that stupid decision. In addition, once they verified the suspicious transaction, I was told my account would be closed and I would be getting my money via check. Obviously, I suspect racial profiling and feel bad that at this age and time big organisations like Capital One would act in such disgusting manner. I sure would never do business with them anymore. Potential customers RUN AWAY from this bank. They are a mess. Note: My accounts were frozen for just a $2000 Walmart to Walmart transfer I made to my friend in PA.

Last Thursday I applied for a credit card via the recommendation of Credit Karma. WORST CUSTOMER SERVICE EXPERIENCE EVER. Thursday after applying online I received a link to take a photo of my ID. It kept saying it didn't recognize it. I gave up. Friday, I got a call from a rep and I explained what happened on Thursday. He sent another link. Tried it with him several times. Said he received it and would try to manually upload but wasn't able to. Before advising me on other options he says, "I'll deny this application due to lack of documentation". Here's the kicker, he then tells me I can reapply and to fax my documents. WTF!!!

There are many credit cards, but Capital One is known for no foreign transaction fee and that's why we got the card in the first place, to use it on our trips. Called the company before the trip abroad, were assured that it would be ok because the card had a chip. Get to the foreign country and the card gets declined every time. So we call Capital One and they tell us they can't unblock the card because they are protecting us. Seriously!

Hello my name is Alfreda **. I've been with Capital One since November of 2011. I have always made my payments on time and I'm in good standing with Capital One. My credit limit is $1,500. It took seven years to get there. In 2017 Capital One offered me $35,000 to buy a car from Kia or Hyundai. These were my only choices so I passed. I didn't think Capital One should choose my car. In March of 2018 I want to go to Ashley furniture store and buy me a bedroom set. I saved up $4,000 and I was $3,000 short so I ask Capital One for increase on my Capital One credit card. They told me No. Come November of 2018 I will be with Capital One for 8 years and I have never asked them for increased in all this time. So much for loyalty.