Capital One Reviews

Being proactive, I called Capital One today to notify their company of a family holiday to CUBA. Their response is it cannot be used. The response is because the parent company is a US Company and we are unable to utilize our credit card. Their advice is to take out extra cash. Ironically. I called my emergency credit card company who is also US based notified me that the card can be used. The reason is because they operate in Canada. They cannot restrict access to CUBA and US Government does not govern travel for Canadians. Anyways, just another hurdle. So for anyone planning a trip to CUBA go to another credit card company.

They give you credit, and you use it and before you even make to your first statement you are restricted because of fraud that isn't. In the first week anything I tried to purchase with this card was declined for fraud, had to call like 3 or 4 different times to unblock - You can trust or rely on its availability, thank God was not on a vacation away from home. Lastly I had car repaired and was going to pay with my card, it was declined. The charge was well below not even a third - so in other words I had plenty of available credit - so I call again this time they say it's restricted. I have to send in ID and bill of bank statement and social security card copy front and back.

We have been Capital One customers for over ten years. We have both personal and business accounts. We always keep very positive balances in all accounts. We had personal and Spark Business credit cards. We always paid balance due monthly. Recently applied for Savor Card. Sent me card with $10,000 limit. Capital One put restriction on new card, for proof of my ID. I sent driver's license, SS card and passport. They indicated 72 hour waiting period to remove restriction.

Today is March 2nd, 2018. I have been trying to log in all day to my account to make a payment on this credit card and have been getting messages that they are "down". I'm not sure how long this company has been "down", but not having the ability to make my payment for the last 10 hours is not acceptable. I am wondering just how much money the company makes in one day on interest off all the customers that were not able to make their payment due to their issue.

They also have moved on from their own, fully functioning P2P system and started using Zelle. Because Zelle would like to send verification codes it will have a meltdown if you are using a family plan and your billing addresses don't match making it completely impossible for me to use the system. I used to tell everyone how amazing they were but at this point I can't wait to leave them.

After getting my credit score up through careful use of my credit cards and loans, I asked for an increase to the paltry $700 limit they allowed me as a teen. I understand why the limit was low back then, but I'm 30 now and my credit score is usually between 780 and 820. They denied my request to increase the limit. My other cards allow me limits between 5k and 10k and I keep the balance on them below 10% to optimize my credit score but I couldn't even buy groceries with a limit of only $70 to keep it under 10% usage. So I had planned on waiting a few months and asking again when my score was better, but they closed my account this month with no warning.

Whatever you do DON'T get a Capital One credit card!!! If you have any issues with fraud, they will not protect you, but will protect the company that took your money! Also, their computerized answering system is the most frustrating experience you will have. It is AWFUL. They do everything they can to avoid talking with their customers. Stay far, far away from Capital One. They are the worst financial company I have ever had the displeasure to deal with.

If I could give Capital One 0 stars, I would. They have no regard for their customers whatsoever or care about customer satisfaction or retention. Called Capital One today to ask if they could reverse a $25 late fee as a courtesy since my husband and I were on vacation. My husband and I have 5 Capital One credit cards between us and are always on time with our payments, however, the agent refused to honor my request and so did her supervisor who informed me they no longer have the ability to do that. As a result I closed out my accounts with them, screw them! American Express is #1!!!!

Thank you Capital One for your effort in understanding that different people have different situations. Capital One took a chance with me despite my credit history when no other company would. You have waited with patience and consideration as my circumstances changed and I couldn't fulfill my part of our arrangement. I will, I would, and I do, recommend People to talk with an agent at Capital One for All your financial needs, before you go anywhere else. This Bank really gets it. I haven't seen this kind of service since I was a young girl, watching my Mother open lines of credit in stores, wow. I wish you all the success you offer to your clients, Capital One, you are Standing Tall in my eyes. Thank you.

I am not allowed to view my transactions online because I did not set up our Visa account. Only the one who set up the account may go online for their Visa account. My name is on the card; I am an authorized user; I pay the bills and earn the money. I went to the Chat forum and was told to get my husband, the account holder. This is from the stone age! I will definitely terminate my Visa with Capital One since I cannot view my bill!!! Ridiculous.

I am not at liberty to provide any details, but I can attest vehemently to the fact that Capital One has the most archaic, poorly-conceived, stupidity-driven set of processes in the collective History of the World, for any organization of any type. They have taken collective, aggressive ignorance to an art form. ATT and Comcast can only dream of being this corporately inept. If you have any Capital One services, cancel them. If anyone you know has Capital One services, tell them to cancel them.

I have a cc with a credit limit of $3.000.00 and I made a payment of $1998.38 on time and the money was electronically withdrawn from my account on the due date. I've been on the phone with my bank which gave me a confirmation number that I gave Nick ** (specialist manager) through an online chat setup. Nick claims there is no evidence of the payment that I made on their website and they took from my bank. They added a late fee and keep sending me notices to make payment. I paid on time. They took my money on the due date. Their website states that all payments made on their site will be posted same day or the next except Sundays. I had one manager lie to me about that. He told me payments take 3-5 days to post. I called him on his lie. Is the culture at Capital One customer service? Lie if you have to? This was a manager!

Never got the card and returning my funds will take almost 2 months! I won't make rent this month, thanks Capital One. I sent $300 security funds to Capital One on February 3. On the same day I received an email stating that an identity verification letter would be sent to me in 7-10 business days. I never received this letter because they somehow had a completely wrong address for me. I contacted CS on FB msg on the 17th and was told to allow up to 14 business days for mailing. On the 25th I'd had enough and called to cancel the account and get my $300 back.

Beware you fully understand what you're getting into. You will be billed immediately for a $75 annual fee. You will have a very hard time getting anyone on the phone to answer any questions you have about your account. You will not be able to direct pay from your bank account - the free payment option. It will cost you $9.95 per payment to pay using an ATM. You will pay this for each payment. By the time you figure this out you'll have paid late and be charged $35 for late payment fee.

I would not recommend anyone to get a Capital One credit card. I have had illegal activity going on with my 2 credit card accounts with this bank. They, initially remove the charges, but they always find a reason to put them back on. For the last 12 months a company named TMA has been billing me .99 cents. Okay, that's not much money but sometimes they charge me 5-6 times a day. There are well over $150.00 worth of charges that are removed from my account and then put back on. I told them to call the company. When you look the company up a black screen comes up and states "this site contains spyware." Capital One doesn't care. Who is on the fraud investigators team? What a joke... They don't understand English and I am starting to believe that they take part in this fraudulent activity!!

Capital One is the worst company ever! I paid my account in full, then combined all accounts to one. I didn't use the card so I'd have it for my daughter's wedding. I went onto my account to set the travel notification and was told it was restricted. I talked to customer service who told me to call, pay the $20 fee assessed to account a month after combining accounts (that I was unaware of), and they'd reinstate the account. I called, spoke to agent who basically told me I was an idiot; spoke to another agent who said I'd have to talk to supervisor and after 20 minutes on hold was disconnected. Called again, supervisor said, "Too bad for you. We refuse to reinstate the account." I've been with this company for over 15 years and this is how I'm treated! I stated I NEVER received a certified letter indicating they were closing account (federal law), they said they sent an email (not an acceptable form of communication in regards to closing a financial account)!

Capital One has no regard for its customers. They made an offer to me to suspend my payments for three months due to the 2017 hurricanes. During those three months, they reported missed payments to the credit bureau. I received no calls and absolutely no notifications that they were making these reports. Again, they made this offer to me! I would never have signed up for this "program" if I'd known how dubious and fraudulent Capital One truly is. I would NEVER recommend opening a credit account with Capital One. There are much better credit card companies that actually care about their customers and who will actually provide competent customer service.

Capital One has horrible customer service, I called today to dispute an interest charge on an account that I had paid off, I was on the phone for 25 minutes and the customer service rep kept saying, "Hold on. I need to speak to my supervisor," He finally gets back on the phone and said his supervisor wants to do a conference call, he said to just explain that I paid my card off in full and would like the $50.50 interest charge removed.

They sent me a "pre-approved" notice in the mail. Went to their website to apply, "CONGRATULATIONS! YOU'RE APPROVED!" I got my MasterCard in the mail, called to activate it and BAM! "We need a copy of your Driver's License." "We also need a copy of your Social Security card." "We'll also be needing a copy of a recent utility bill in your name." I jumped thru their hoops, then... "we need you to send us MORE information before we can approve you." (Funny, I thought this was "pre-approved"!) After wasting HOURS of my cell phone minutes dealing with these idiots, I told them to LOSE MY PHONE NUMBER and remove me from your mailing lists.

Capital One is the worst Credit Card company on the market! I made a very large payment to pay off my credit card balance, when Capital One sent out the new statements instead of a zero balance that I was expecting, I get a statement with an interest charge, even though I paid off the account 2 weeks prior. I called and asked if the interest could be written off since I had paid off the card, never missed a payment, always paid more than the amount due and had been a customer for 4 years. I spoke with a supervisor and she said that there was nothing they could do. I owed the interest. I immediately told her to close my account and I would never do business with them again. Beware of this company. They will find any way they can to get extra money from you. When you get their continuous junk mail offers throw them away and don't bother getting yourself involved with Capital One. You will regret the experience!!!

Capital One Representatives are always polite and helpful. My issue is with unfair business practices that enable Capital One to reap unethical profits. I live on West Coast and payments must be made by 8 pm EST. Reps are available by phone to take payments after their 8 pm cutoff so makes no fair sense that payments can't be made up until end of day my time zone. Deserves class-action lawsuit.

The new Capital One website simply doesn't work. It will only let me log in occasionally - otherwise it's "sorry, something went wrong". It's been this way for months. What's the point of a credit card company that can't run a website?

I have had a Capital One card for years. My 360 account links to it. I noticed an issue. Called Capital One. They said, “the problem is you have not activated your new card.” I said, “I did not receive one.” They said, “we will mail you a new one.” The evening it arrived I went to activate it and it said closed. I called Capital One. They said, “we see the record of the call but your card closed the evening it was sent. We can not reopen it per our new system.” I have worked for a financial institution for years and know there is a workaround if they wanted to accommodate me as a customer. They don’t want to. Hence the rating of one star. This is an older card and for credit reasons I would prefer it not be closed. The company is not willing to work with you. I can see if I had been a previously poor customer, but I guess I did not make them enough money in fees or interest for me to remain a customer.

I placed an order online and thought everything was ok, so when two weeks went by I called the merchant I bought the product from, they informed me that it was canceled due to credit card rejection. So I call Capital One and they say, "you haven't activated your card." I say, "I just used it on Amazon and it went through, my card has an expiration of 3/21." This Indian guy just kept saying, "You need to activate!" So I ask for a supervisor and she's a **, I said, "Cancel the account," she said, "Why?" "Because you denied a charge and never notified me." By the way I have a credit line of 10 thousand with a zero balance. They suck!

I set my card up to make the minimum payment of $35.00. Apparently my minimum payment changes at their discretion. They tried to go through a long drawn explanation as to why my payment but the bottom line is for no apparent reason my payment changed from 35 to 36.00. They slapped a $40.00 late fee for being $1.00 off on for the first month which led to fees totaling 160 00 because the first fee drove the payment up even more. When I called them they refused to do anything. What really bothers me if there is no reason the minimum payment went up my current balance is only $50.00 less then the balance that drove my minimum payment up and the payment is 35.00. Previous balances with 35.00 payment were higher than the balance that triggered the fee. They buried something in the terms and conditions that allows them to be you.

Capital One has decided to stop the ING rate renewal program. They supposedly sent out letters last January. I never received that letter. They are now screwing me on my mortgage. Turn and run from Capital One. They are making up the new rates in house. They are not going off the LIBOR like ING bank did. Turn and run from these criminals on all accounts.

Stay far away... I did a balance transfer from Capital One. They sent the check for the transfer to the wrong address and after 2 months telling me there is nothing else they can do - Really? I've been a customer for years and there's nothing else you can do? Meanwhile, I am out quite a bit of money. Don't use them for anything - especially a balance transfer (that they still keep sending me offers for as well!)

I was put on hold 6 times at 15 minute intervals calling conclusively today, 1 right after the other??? I don't know how the people got to speak to managers??? The place has had my security deposit since January 29th 2018 and I've had like 11 pieces of mail from them but still no card??? No one seems to know what's up as I've been told 3 different dates my card has been mailed to me but it has yet to be mailed and I just want to know why???

I am in an experience where Capital One put my payments into someone else's acct. They then restricted my acct due to non-payment. When the situation was fixed (months and months later) the acct was never unrestricted. I had to get my credit fixed as well due to this mistake made on Capital One's end (which never really got restored where it was due to Capital One's mistake). I was told they would unrestrict my acct, but even after speaking with someone today, they will not unrestrict it due to the nonpayment that was on the acct (which was their mistake). So, now the money in the rewards bank... I cannot get to because of the restriction. I had a big issue years ago with Capital One again, and aside from my better judgment, I gave the company another chance. Bad decision. All they do is take your money, ruin your credit, and tell you there is nothing that can be done.

Every time I try to use the card it was refused! Saying fraudulent charges. Sent me through a 3-hour long process to prove who I was and then still refused transaction! Customer services are the worst I have ever experienced! Please understand people! Stay away from Capital One!!

Not one person has been able to answer any of my questions. I have set up the payment catch up plan several times and paid extra on top of my monthly payments several times, yet somehow I am never actually caught up and no one can tell me why. They transferred me to someone in an "executive office" but still she was unable to actually help or tell me what exactly was going on with my account. The staff is lazy and no one wants to actually solve anything. If I owe money I am more than happy to pay it, but because I just keep paying more and continue to be behind without someone being able to explain why I will most certainly be taking my business elsewhere, and seeking legal counsel from a lawyer.

DO NOT USE CAPITAL ONE! They Flipping Suck!! I am beyond infuriated with my first experience trying to redeem my reward points. I tried last night to book a trip with my available rewards and kept getting an error message to call their support number. I decided to circle back around this morning thinking the system would be fine.

Closed my account with no explanation and spoke to me very rudely when I rang to ask why. Used them for over 2 years paid on time stayed within my limit and this is how I get treated? Customer services and complaints team were absolutely awful. Woman basically said, "I’m getting bored of repeating myself. The account is closed and I don’t have to explain why." Considering this is now going to have a huge impact on my credit score which I have worked so hard to get good to get a Mortgage. I have emailed their CEO but would advise anyone to not take a credit card with this company.

Beware Capital One’s card customer service and fine print. They are happier to lose a customer than to try to make a customer happy. Also be careful to note that payments after a certain time on your due date (I won’t say the time here in case it were to change or be different for someone potentially reading this post) are still considered late and assessed a late fee. So having a mobile app to pay 24/7 really isn’t that helpful when you go to pay the evening of your due date and find that your payment is already late. So much for 24/7 convenience. If you have to call customer service, they aren’t going to try to keep you either. They’ll be happy to close your account and move on to the next person who doesn’t mind being treated poorly. Needless to say my card is closed now. Save your time and get a card from someone who lets you pay on your due date and values you as a customer. It’s not Capital One.

I have been with Capital One bank for 4 years and would like them to know how much I appreciate their service. Each and every time I call I get the same customer service on my good and bad days! Most of the time you have a verity of customer service actions. Capital One makes sure that anything you need and I mean anything from Balance questions, concern transactions, credit update, credit increases they will help you 24/7. There has never been a time I couldn’t call. They don’t charge you extra fees to pay your bill. They just simply want to help you and if they can’t they surely will get you to someone that will. Thanks Capital One Credit card!

I had logged on to my account just the other day and had noticed a charge of 2.63. I then looked at it further to discover it was an interest charge??? Are you really kidding me at this point. I have spent an exorbitant amount of money with these people and only to be charged exorbitant amount of charge of interest during the months?? This really is a hard slap to the face. Yes, obviously I can pay this insulting charge but it’s the principle behind it.

How many others were promised a flat 9% rate after the 12 month introductory period. I received a call from a listed Capital One number that had all my personal account information and told me after I paid the account down to a zero balance at 11 months, that if I kept the account open they would set it at 9%. So the next month I took my daughter to Disney World for vacation to only find out after getting the next bill in the mail it wasn't 9% but 29%.

On December 28, 2017, I submitted a payment for $923.09. This was the total amount due at that time. On December 29 2017, I had surgery on the cervical portion of my spine. On January 3, 2018, I received notice from Capital One that my payment had been returned. When asked why, they stated that I input the checking account number wrong and that is why my bank refused it. I have spent over seven hours of my time in the last five weeks, which included two trips to my bank, a conference call while at the bank and multiple calls to Capital One from home.

I originally wrote a review back on 12/9/17 stating I disputed a charge that was inaccurately described on eBay. I opened up a claim on both eBay and Capital One which eBay made a judgment in my favor but explained that nothing could be done about shipment charges due to the fact that capital one was in the process disputing it with PayPal. I called and asked for assistance from capital one and was told to keep the merchandise on hand even though eBay said I could return it because they were disputing it, well time passed and capital one reapplied the charges and basically said, "Oh well we didn’t tell you that" even after I supplied all the documentation that judgment from eBay was in my favor.

If you're looking for help to re-establish your credit, I wouldn't suggest this company. This company has been a nightmare for me. I've seen some unorganized, contrary people before, but these people take the cake. I paid my accounts on time every single time and suddenly I get locked out of my accounts and can't get back in. Not even to make a payment. Due to what they say was a "fraud alert". I have no idea what happened but I'm glad I paid both of my accounts off. I'm just saying. As long as it was working it was fine but when this happens, you can pretty much kiss your card goodbye because no matter whether you're paying on it or not, once they do this, there seems to be no way out. Too many foreigners to talk to. Too many people that don't seem to know what they're doing.

I called Customer Service. I spoke with rep name BEN. He was very rude, I ask him why they are increasing my minimum payment every month, they should leave it in one flat rate at least for few month. No increasing every month. Then Ben came rudely way telling me that I should not use my credit card. If I cannot make my minimum payment. I also ask him that if I make the same payment I did last month, his answer was "you will receive a late fee for not making your minimum payment".

I have been a Capital One customer for over 20 years. Recently they changed their website making it impossible to get in to make a payment. I tried several times and have been locked out 4 months in a row. I have never missed a payment in 20 years. But due to the new website I was unable to make a payment in December. I tried to call customer service and was put on hold forever. Finally I had to hang up for work and decided to try again later. NO ONE ever contacted me regarding this payment until the next month. Only by this time they dinged my credit report.

Just plastic not a real credit card, so cannot be activated, with unnatural reason done not by other credit card, I think just to lying to the user only. It was asked to driver licensed uploads on the link they sent, but when I uploaded 40 minutes did not look finished or stak. Then I reduced 50% also the same result. Last I reduced to only 25% about 17 kb also not clear finished or not. 7 days I call him he say the document not clear. There I am angry, I better throw this card.

The only reason I am not giving this a one star review is because of Tristy in the Military Hotline Dept. She was so amazing and was on the phone with us for over 20 minutes trying to help my husband out. She even had our back when other representatives (Duncan from Auto Financing... yeah, we're onto you buddy) were completely rude and made us feel like they couldn't be bothered with us. We were transferred over 10 times, back and forth between the same departments. Tristy thanked my husband several times for his service to our country and was persistent in getting us the proper help. Tristy, you're amazing and deserve a raise! Thank you for treating us like humans beings.

Capital One Bank is the biggest bunch of crooks I've ever encountered. One of their ATMs took our cash and did not deposit it back on December 4th. I immediately called and started a claim while still standing in front of the ATM. Gave them all detailed information... they denied our claim saying they did not detect a problem with the ATM. I told them they needed to reopen the claim because it's easy to verify seeing as the ATM has a camera and so does the Target the ATM was located at.

Their customer service is the absolute worst. I called because I paid my balance in full however to my surprise they said I had a remaining balance - interest for the previous balance that I paid in full. The agent told me there were "no new waivers" that she could offer me and that I was responsible for paying the interest. Spoke to her "supervisor" whom gave me the same song and dance. Neither of which could speak proper English or sounded intelligent in any way - they must have been reading from the screen. I received a customer service survey that when I clicked on was "expired". Shady company that preys on their customers, what a shame.

Being a young adult, not a lot of Credit Card companies would accept me. Young naive me sent one in for Capital One, I was accepted. Me and my father read through everything before opening my account, everything looked fine, the interest didn't look that bad. I of course used it for books and stuff for college, buy now, pay later when I had the money. Fast forward a year and here I am, now in shock as I finally do the calculations. I have to pay a certain min amount each month, a little more if I feel like I'm doing good that month, and behold as I slowly come to realize for every min amount I put in, their interest is so high, it's about half of that min payment that is put back on once the interest hits every month. Yes, EVERY MONTH THEY CHARGE ME HALF OF WHAT I PUT IN.

When you send over six thousand dollars they should not keep telling you that you owe them 98 dollars! These people are not worth it. Go to another credit card company and stay away from Capital One. I have this idiot computer message saying I owe them money and need to contact them. I paid these losers in full and they are still charging me for nothing. There are much better credit card companies out there - use them instead of Capital One and their 98 dollars!

Capital One Bank has one of the worst customer services. They keep you on hold over 45 minutes each time I call. I have to explain the nature of my problem each time with the different agent. They do not want me to speak to the same person. They don't follow up or inform you the status of their investigation. I had to go to the office of the President before anything was done. Even then, I had to do my investigation to walk them through the process. They never apologized for their mishandling nor accommodate me for their mistake. Truly disappointed and disgusted with the culture of this company from top down.

Reading some of the other reviews it seems to be a pattern of Capital One for charging high interest, not wanting to lower an interest rate, ever since I opened my account, I paid on time, paid more than the minimum due and never went over the set credit limit but those money hungry greedy and rude snobbish representatives this includes supervisors and executive relations team are not willing to work with ANY of their CUSTOMERS as my account is now CLOSED but carries a balance I am simply striving to pay it down.

Although this is a new account I have paid all my charges in full before my statement and Capital One still holds my payments for 5 business days. Although they get my money by the next day. And when you call I feel I should not have to do a bank verifying call when they have gotten my money. MY banking and what's on my account is my business as long as I have not had one payment to be reversed. I'm only using this card to build my credit and once that's done I plan to close my account in good standing. No card should be able to hold your money when they take it so freely.

My experience with Capital One was horrible. Their dispute department is a joke. I had a mechanic shop rip me off and Capital One did not stand behind me. Discover card and Barclays both ruled in my favor. Capital One come up with a lame excuse for the simple fact they knew they had a better chance of getting the money from me than the corrupt that rip me off.

If I could give them zero I would. I've been doing good building my credit and I feel like I made a major mistake getting this card. I paid my bill my early checked the account to make sure everything was paid. It said paid off. 0 balance. I check my bank. No withdrawals so I'm like what the heck. I call. Can't speak to anyone but it still says paid so I'm thinking maybe they take a long time to deduct the cash. Long story short they later posted overdue balance and return check. My bank said no payment was never issued from them. I'm hit with a late fee on my first bill and I can't talk to anyone. I enter in another payment and they're doing the same thing. I'm so hurt right now.

Your total balance due on your account is paid off in full by due date, but you still get another interest bill. That is wrong, something I have never had on any of my credit card bills, ever! Capital One manager I spoke with will not accommodate addressing my concern at all. Be careful in accepting and using their credit cards. This was a promotional transfer balance that was paid-off by the due date. I am filing a complaint with the BBB. They do not address this type of concern by anyone that works for Capital One.

I had a zero balance for 30 days. I had a charge for $21.11 on the 2nd of January, I paid it off on the 11th of January which is 4 days before my due date. I was charged over 13.00 in interest. Now I have to go back and make sure I wasn’t overcharged interest the past 18 years I have had this account. I have also tried getting my interest rate lowered with them and have been in good standing for several years. They will not budge, they don’t have a problem increasing my credit limit regularly, but won’t lower interest or even cancel the annual fee. After over 18 years, I guess I have to rethink my options.

I use the app to make my payments. It does not allow me to make my payment on the 1st, the 2nd or the 3rd. Only on the due date of the 4th. I pick this and it gets paid on the 4th every month. Capital One then charges me a $35 late fee every month for over a year for making my payments on time! I feel this is criminal, but when I called them there is nothing they can do! Sounds like a Class Action?

I called Capital One today again! (This would be the 3rd Year I have called.) Issue: I've had the Capital One Platinum Card for years, with an annual fee at inception and wanted to know if this annual fee could now be taken off my account! Because for the past 2 years I noticed that the card no longer has an annual fee and I am in good standing to have my credit balance increased. Why is it that I am not in good standing when it comes to removing the annual fee? I spoke to a supervisor today, bc I was tired of hearing so many different explanations from other reps.

Capital One has an account that is not mine. For the specifics #** for $500. I am citizen of the United States of America, would like to make a complaint against Capital One for account & amount above. They seem not care about consumers' rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).

Limited use of English by reps, background noise on reps' phones, website difficulties resulting in late payments, fees not refunded as promised by rep, payments not processed accurately, inaccurate information from reps, inaccurate information on website, use of script obvious and irrelevant resulting in prolonged time on phone.

Well I just got the account, paid deposit $49 $200 credit, 30 days to get card was told 7 -10, no problem. I got the card but could not use the card anywhere in my city. The card has a chip which means you have to have a pin, I contacted Cap One who said they didnt send one as courtesy, I explained they should have sent me one with the card to save time, the rep explained I could generate one on their site to use the card right now!! I spent hours trying to do this just for the site to tell me to call back in the end.

I've had Capital One credit card for over 10 years and for a while I was in school with a part time job and couldn't make the payments. They decided to restrict my account and I thought it was temporary. By this time I graduated, got a better paying job and started making bi weekly to monthly higher payments to lower my debt and make the account good standing again. I call customer service after six months of payment and ask when "will they unrestricted my account?", I was told "I'm not sure but soon or when higher ups decide to make you an offer."

I had placed an order for merchandise and notice that my card was charged then it disappeared. I called the merchant and they could not find my order through email, name, phone number or item number. I placed another order. After I received my first order and that was charged on my account another charged showed up. I disputed it as I should have. Wrote a letter explaining what happen. They removed the charge again. They just put the charge back on b/c UPS said they delivered it to my front door... no signature. So now I am charged $500 and Capital One Master Card said "Oh well." You have to prove you didn't receive it and even then they can't do anything. Four months later I am suppose to contact the police to find my box. How do you prove a negative??? Sorry... I have extremely disappointing and will never use Master Card or Capital One again. I've decided to write a review on every site I can find.

For every since I had my auto loan I have been getting my payments either delayed or flat out rejected/refused even when I had the money for the payments. I had myself set up since last October of 2017 For automatic payments and now I'm finding out that that I am in default on my loan. Even worse when I called them. They yelled at me for being a ** male and called me all kinds of derogatory things and hung up on me. I'm going to lose my much-needed car for sure.

My boyfriend and I recently traveled to Italy and had an issue with a $150 charge from a taxi service we never took in September 2017. Fast forward to Jan 2018 and we are still no closer to resolving the issue than we were when it arose. Back in Sept, my boyfriend called Capital One and disputed the fake charge as soon as he noticed it back in the States. We ended up getting a letter back from Capital One saying they sided with the merchant because we didn't send any documentation! How could we send documents over the phone?? So we called again and they suggested appealing the decision with documents over email.

For the eighth time a payment has been declined! Extremely embarrassing when standing in a line at the checkout. Each time I phone Capital One to find out what is wrong with my card... (I pay full amount owing each month, NEVER carry a balance, always pay on time) I'm told that it's been used "FRAUDULENTLY"!!! Like Fry's, CVS, my insurance company, my internet/cable supplier, my home security company, - regular monthly payments, Safeway, etc. would be considered questionable places of business! NO ONE that I'm able to contact has been the least bit helpful. I'm always told that the 'warning' would be removed, but it hasn't! I'm completely fed up with Capital One Costco!

Capital One Bank for credit cards is very disgusting, terrible and horrible service! Do not Bank with them or get a card from them. They are very inconsiderate people & they do not waive any late fees for no reason. My credit card bill was due on the 8th of every month and they would not consider the fact that I didn't pay it on Eastern Time like they said it was due. Well I explained to them that I paid on the 8th at 7:50pm my time. They still wouldn't waive my late fee and they upcharged my minimum up to $35 from $25 These people don't play. YOU MIGHT WANT TO SWITCH TO REGIONS OR CHASE BANK. THEY ARE AWESOME!!! I switched over and had no issues with them.

I have three cards with Capital One. Never been late once then one day they closed my accounts for no reason. No explanation. Nothing. I’m beyond frustrated and I’ll never go through this company again.

I have been with Capital One for about 10 years now, over the years I have tried to get them to lower my interest rate which is very high, probably the highest rate they give. I have excellent credit, pay my bill on time, and don't deserve to pay such a high rate. If anything you would think that I would not have a yearly fee considering how long I have been with the company and the interest rate that they continue to screw me over with. I recently asked for them to remove the yearly fee and was told that because they waived it last year that would not be possible. Really, they aren't taking enough of my money with their bloated interest charges, give me a break. I am so done with them and will be taking steps to leave them forever and telling every person I come across not to do business with these foreign thieves.

I attempted to pay my bill while away on vacation. I was told I needed to do a 2-step verification process that I was unable to do without my phone that was not with me. As a result I was unable to log in and pay my bill. Immediately upon returning home a few days later I attempted to login and was able to do so after several frustrating attempts. I contacted customer service as my bill was paid a few DAYS late and thus had incurred late fees. I was told that I was lying and had not attempted to access my account and that I was responsible for the late fee. Apparently now they can prevent you from logging in and then can charge you a late fee and interest charges? Absolutely ridiculous.

I’m stuck with a negative balance due to a “glitch” wherein debits have been posted twice. Their little giggles about the situation, paired with their “I know, I know. It’s bad.” is ridiculous and unacceptable. They should NOT leave people with no access to funds because they screwed up.

I have been a long time customer of Capital One and paid my card off in full on December 5, 2017 and now I see an interest fee of 79.14. I requested a courtesy one time credit (which I have NEVER requested before) and they said that they can't. I asked for a reason and they stated that no one would be able to provide anything specific as there are several different factors that go into play. Seriously? I asked are you willing to lose a long time consumer not to help? They then provided me with instructions on how to go about closing my account online. What kind of customer service is this? There are A LOT of reviews from people having this same issue. Why is no one doing anything about this? My account is now cancelled with Capital One and I certainly hope there are a lot more that will stand up.

I opened a secured account with Capital One in March of 2017. I made the deposit over the phone using my ach. The transaction was successful. I made my first payment also using the same ach account. The payment was successful processed but was returned because Capital One entered the wrong ach transaction. This happened on my account over and over again. I would always have to call Capital One and have a Supervisor handle the payment process. When I first contacted Capital One to open the account, I was told you would receive a increased credit limit after making 5 payments on time. My first payment was made on time but returned due to the payment being applied wrong. I was told by a Supervisor in April that since Capital One Process the payment wrong, it would not affect the status on my account.

Had a new card sent in May. Good through 2022 as I was going to start using it as my primary on 1/1/18. Just called and found out they permanently closed the account in September! The excuse... Had been too long since the last transaction, yet they issued a new card with the understanding it was going to be my primary card.

I rarely write reviews but Capital One has me so frustrated I am writing. I am serving as an administrator for a small estate and have been trying unsuccessfully to get the account details for the estate and have hit nothing but frustration, long phone hold times, broken promises on call-backs and changing requirements. I have carefully followed all rules for Estate execution, have appropriate documentation and have successfully resolved all other accounts with other banks. Capital One has been unique in their obstruction and difficulty. I will never bank with them and urge others not to either.

Capital One deserves NO STARS!!! Now that I am retired and on a fixed income, I contacted Capital One about lowering my interest rate which is close to 25%. I contacted them one year ago and the answer was NO. I wrote to them on Facebook several months ago and they were unwilling to reduce my rate. I applied for one of their lower interest rate cards and was declined. This is the only credit card I own. They are total bastards. I absolutely DESPISE this banking organization. I have never been late for ONE payment. I have a very good credit score. So, screw them. They are not going to win this one. My husband will pull the money from his 401K and this will be paid off. I cannot wait to close this account.

Don't get this card unless you want every vendor in your city to think you don't pay your bills, or if you actually need to rely on a card. We've been card members for over a decade and they continue to randomly deny charges and/or put a hold on our card, for things we've purchased before, for amounts that are well within our limits and spending patterns. When we call them, they tell us "Just call before you make big purchases." Here's a shocker - we don't want to call you every time we buy something. And, on an account where we regularly rack up thousands of dollars a month in purchases, a $300 appliance is not a "big purchase". They've also screwed up our account to the point where we now need "extra security measures" every time we call them.

I opened a Capital One bank account for a few different reasons. They just built and opened a new branch near me and there were a few other branches not far from my residence. I already had a credit card and wanted to maximize earning points towards travel. They were offering a one year free safety deposit box. Things were okay for a while. Then they decided to start closing the branches around me. The customer service reps don't know bank policy. You call up three different times with the same issue and you get three different answers. Finally the third time the issue gets resolved. They left one branch opened like 20 minutes to half hour away depending on traffic. Since it's the ONLY branch in the whole region, I can never get a bank manager. There's none available. I don't have an hour to wait.

When signed up for paperless statements, they never send you a bill via E-mail. You are expected to go to their website to view your statement. Once you are 30 days past due you finally get an E-mail.

I had some unauthorized charges from Lyft. I have called every day this week since the charges posted on Monday. When I originally called on Saturday a representative told me to dispute online. I called Monday once charges were posted and confirmed there was nothing else to do. I called last night and a supervisor told me he can escalate the claim process if I called back during claim business hours. After wasting 2 hours of my time this morning I'm still being told I have to wait 10 business days. I can only imagine if I had all of my money with this bank. Capital One is horrible!!! I do not recommend, I wish I would have known beforehand. They inconvenience you and act like they can't do a provisional credit while the claim is being processed. I will be contacting my lawyer if this isn't resolved. I will never deal with them again.

I have had a credit card with them for 20+ years and a second card for about 10 years. They had always been great. They changed their websites and combined my business cards with my personal cards into one online site. I had major issues logging into their new set up. Long story short I missed a payment and they dinged my credit for a $25 missed payment. My credit score dropped 100+ points. I was promised by a Capital One senior supervisor that they would dispute and get the negative ding removed. I received a letter a couple weeks later stating that they would do nothing. I again called to inquired about fixing this issue and was told that they would not help me. With a heavy heart I cancelled both of my credit cards accounts with Capital One. A 20+ year relationship destroyed for $25. Whats in my wallet, NOT Capital One!!

I have a good credit score and always paid in time; still, my interest in purchases is 22.99%. When I contacted the bank, I was told: there are a lot of factors that go into factoring the rate; I just could not understand why the higher rate and the way these people want the most of your money; other than they really are loan sharks. A wise person should avoid them at any rate. Avoid, avoid, avoid.

I just paid off one of my Capital One credit cards IN FULL and BY THE DUE DATE and couldn’t believe it that I was charged additional interest after the fact. I have always been made to understand that if you do not pay the total balance by the due date, then you will be assessed interest. Not HEY! PAY IT OFF AND WE WILL CONTINUE CHARGING INTEREST!

First of all I have been with Capital One over 10 years and I've been paying on time. They want you to pay the minimum. Not a dollar more so for the longest I have been paying $45. All of a I decided I wanted to pay $5 more so what they did they added a dollar on there to make me be late and pay late fees on top of that. I got that straightened out and took care of it so I had the representative to make it $60 so I can be ahead. I guess you know they turned around. Made me late again saying my minimum payment was $75 then you look again my minimum payment $100. Turn around the next night a hundred and $24 all the way from $45 minimum payment up to $124. They saying I have been late every month and I cannot get no answer from anyone. They laugh. They hang up.

They did deposit the money back to my account but it took almost 7 days to resolve the issue that is 3 days on top what they promised and also after I called them third time. The actual issue was the rude behavior and lack of assistance by one of the rep that I mentioned in my complaint. I hope they have better people for the job!

I was overcharged on multiple "cash advance fees" for a purchase I made online, I never used the card at an ATM or requested any Cash Advance. First, they have no chat support option. The website is terrible, the contact section just loops. Called them and the first lady was nice but could not give me a refund. I asked for a manager and some really rude lady did nothing to help and did not seem liked she care, just said could not give me my money back. Told her lost a customer and she could care less. Another greedy bank with rude service.

I have been a Capital One Venture Card customer for over 10 years. They sent a letter informing me that they were changing the reward system of their program from what I signed up for (from 2 points per dollar to 1.5 miles per dollar). I called the company and told them I wanted to cancel the card if I could not remain on the same program. They told me I could stay with the same rewards program and gave me a contact person and case number for my records. Four years later, I find they never made the change.

It's been almost close to a year and they still cannot figure out where they went wrong. I've proven it to them but having all these unprofessional youngsters working for them and laughing on the phone putting me on hold 4 hours has made this a nightmare. I have spoken to supposedly manager but to me they all seem to be high school students that really do not know how to treat matters that are very important to any consumer that has their credit on the line because of these mistakes. I have also read the other consumer complaints and I've noticed that this problem is a ongoing mistakes or maybe they're not mistakes. Maybe that's just the way this company works because I've seen other consumer reviews with the same problems same situations but in different states.

Paid off my bill in full. Only to get a statement in the mailbox that I owed $2.33 in interest because payments was received prior to calculation of fees. Called twice to different supervisor. Was told by one can write a letter to complain but wouldn't remove the fee. Second supervisor said, "You can only provide feedback. No complaint line or address available. Can't make complaints about bad customer service only feedback to your account." Then I was told, "All cards are different. If you had one of our better cards maybe we could waive the fee." Very bad service.

I just paid off one of my Capital One credit cards and was met with shock when I saw that I was charged additional Interest after the fact. I have always been made to understand that if you do not pay the total balance by the due date, then you will be assessed interest. Not HEY! PAY IT OFF AND WE WILL CONTINUE CHARGING INTEREST!

I have experienced perfect OLS & customer service from application until active card services. Working for a bank I personally witness subpar OLS, unfortunately. Capital one’s OLS exceeds any expectation you could ever have. Prompt timelines that are not only promised but executed are simply the most appreciated & efficient “adult life” activities I’m required to maintain. Thank you Capital One for making a part of my life painless. I wish all my apps/business affairs would run so effectively.

I make monthly purchases of $5000-$6000/month (ASPIRE Travel Black Card) and I pay it at the end of every month. Some of their practices drive me crazy. Like for instance I buy a $6 lotto ticket maybe 5-10 times/year but I just found out they're charging me a $5 "cash advance fee" for making this $6 purchase... like wtf!?! Secondly they send me a card with a much lower limit than my previous card. There have been months I've tried to make larger purchases hit a roadblock at Capital One because they refuse to up my credit limit despite having a credit rating in the upper 1% of Canadians. Apparently they don't review limits like every other Mastercard company on the planet. I'm strongly considering going back to American Express.

Me and my husband share an account with Capital One and he is a primary cardholder. It's been more than few times we had a problem to access online account to see the balance and print out the statements. The system update was not working properly and almost each time we had to change password, because the previous one somehow did not work, which caused to late payments and penalties. Last time when we had to change the password again it looked liked it worked, but then another window open with note: "The specified URL cannot be found". It takes too much time just to figure out my balance??? My husband left and I ended up calling customer service for my balance.

I have had a 20K credit limit and have always had an excellent credit rating and paid anything owed on time. Because I haven't spent on Credit lately - Capital One lowered it by $10K! When I called them - the manager said "it's because we are a conservative company" (as if my zero balance was high risk!) The employees and management were completely clueless as to the reason they actually do things. The other line was "It's because it's our policy" - so no one knows the real reasons for the bank's decisions. I don't recommend them.

Do not get a credit card with Capital One - They don't try and help anyone. I went through Hurricane Harvey and they would not refund a late fee during this period because I wasn't "eligible". Terrible, just terrible.

Went to pay bills today and my account password isn't working. So I tried it three times and then the system locked me out. Which is weird because I know I was using the right password. I use the same password for everything. I then call Capital One who proceed to tell me that even though they have my Social Security number, my birthday and all of my information that I’m able to verify they can’t verify me unless I give them my license number, which is now different from the license I had when I signed up for years ago. Long story short without that number they are unable to verify me and I am completely locked out of my account and my money for the weekend.

I am writing to express my disappointment in how my very simple request was handled today. My request for a credit limit increase on a Capital One credit card that, for the past number of years, has been on pre-authorized debit to pay the balance owing in full each month was declined for no comprehensible reason. What a shabby way to treat customers who generate little to no revenue. Shame on Capital One Canada.

I do not recommend banking with Capital One. I went to file a BBB complaint & a note asked that consumers first contact a specific individual in the Capital One Office of the President. Going that route, Capital One ended up stringing me along for several weeks, until I gave them a deadline and said if they hadn't corrected the issue by a certain date, I would file suit. The rep, Leiah, contacted me by my deadline and stated they would be crediting my account the $300 in losses their actions cost me. One week later, Leiah went silent, and I got a call from another employee, David, who stated Capital One would NOT be crediting me the $300 they cost me.

It seems that after a month of trying to resolve my issue and after them telling me that I was stuck with the bill I wrote a review here and within 24 hours they changed there decision again.

I paid my full balance on Dec 6, 2017 and the same day they charged me interest rates for the amount due that I had just paid off for the credit card, called twice and both representative gave me two different stories, these people are full of BS. I do not recommend Capital One to anyone. Go for Credit One that is the best credit card to build credit.

I got my card about 8 months ago and my card has been hacked twice now. My card got hacked less than 3 months after I received my card and again today (12/7/17). Both times the card was used for online purchases. At least this time they blocked the charge. But are you kidding me? Getting hacked even once is a joke. I have had cards from 10 years ago that have never been hacked. This is such a pain to have to reconnect all my accounts that I have put on auto-pay with this card. If it happens again I'm switching to a different company. Not worth having to go through this hassle every few months.

I booked a flight via Capital One Travel using points and also $371.00 and had to cancel due to Hurricane Irma. Their policy was that if you call to cancel within 24 hours of booking, you will get a full refund. I called within the 24 hr time period multiple times and was continually left on hold for over an hour each time. Finally, went to bed, called the next morning and they apologized but phones were busy due to Irma but will not get a refund and they would not return my points. After telling them I would have to close my account, they said they didn't care since they are not Capital One but rather a third party. HORRIBLE company and cannot believe Capital One uses them for their travel. Shame on Capital One and Capital One Travel. Will NEVER use this company for anything.

I have always made above the minimum payment, paying through my bank account, all of a sudden two payments returned for unknown transaction, lol. Funny part is I have been using the same bank account to make payments for a year, so long story short, they restricted my account indefinitely and I owe more than my credit limit, which I have never gone over. I am not upset because It could have been worst. I will pay this off and good riddance, I have another account with them, so I'm going directly to the local branch close this account and never look back. This is a scam.

This company is garbage. Stay far far away. Go through anyone else. We literally have been customers for over six years, and as soon as there is one little hiccup, these minions won't help you out. My wife forgot to put auto payment to her new bank account and they tried to take money out of our old account. The problem with this is we already paid the monthly minimum prior to this occurrence. Now, these soulless cretins won't immediately put money onto our account when our car has broke down and we need a credit card to rent the car I booked. Six ** years and we already paid! I hate this company and I hope it gets sued to death. I will jump on that bandwagon. SCREW YOU CAPITAL ONE!

Signed up for a credit card at the beginning of August 2017. Waited a month the card never showed up... I got the card issued 2 times after that and it never showed up so I kept calling for them to remain it. I cancelled the card and they were supposed to send me my security funds back and they never did so I called them at the end of September. They were suppose to send my funds then I called them October 13th cause they still were not there so I called and got them to remain it again and it never showed up in November... Then I called today December 5th and it's still not here and the person I talked to said they would reissue it... ** I want my money... The worst customer service and experience ever. Does not help that every person I talked to doesn't speak English properly and when asked to speak to a manager I got told there was none to talk to. Now I am getting a lawyer involved.

In August, 2017, I disputed a charge by a merchant due to their failure to perform house cleaning duties I hired them to do. Initially, I sent in screenshots of text messages exchanged with the merchant wherein they admitted they failed to perform the duties, not once but twice and they even offered a free carpet cleaning service after the second incident. These screenshots were sufficient enough for Capital One to issue a "temporary" credit to my account. The merchant then submitted documentation which resulted in the charge being applied to my card again. (I have asked for this documentation twice, once was in writing, and I have yet to receive anything.)

I'm going to cut to the CHASE here (ironically I'm switching back to CHASE BANK) - this is the most irritating bank account I have ever had. Every time I pay the rent or my credit cards or even swipe my card to make a purchase they take the money out, then it shows as a pending transaction, and it tells me the "available balance" but then, they put the money back into the account where it doesn't show like you ever made those transactions at all. A few days later it goes back to pending and you have a different "available balance" because we went on with your life assuming that your initial available balance under pending is what you have to spend.

This was my first credit card. I’ve had it for almost a year and it only has a $300 limit on it. I’ve CONTINUOUSLY asked for a credit limit increase which would go to $500. Which is more than enough for my emergencies. But every time they turn me down. It’s just funny that I can apply for a BRAND NEW credit card and instantly get a $1500 limit but I can’t get my limit raised to $500 on this one? Capital One customer support doesn’t help either. I’ve paid my bill on time every single month, my credit has even gone up almost 150 points! I am very displeased with this company and wouldn’t recommend to anyone.

After an hour and a half on the phone trying to report a fraudulent charge, I was told there was nothing I could do and that I just needed to make the balance current. I asked who I go to next and they said, “Hold please” and left me for another half hour. Once they returned I was told there was nothing they could do. I live in the United States and the charge happened in Hong Kong. Evidence was there and they would do nothing to help.

"Thank you for contacting Capital One about the credit card account number shown above. We looked into your claim and found that it is fraudulent." The above statement is what this stupid company wrote to me about a credit card I've been using in uninterrupted fashion for 25 years. I never contacted them to complain that the card was fraudulent, and no matter how many times I called to explain that they must have made a mistake, they in their infinite stupidity refused to believe me or re-activate my card. Eventually they told me I needed to submit a fraud form and include copies of my SSN card and driver's license. Huh?? To fix their mistake?? No thanks. If anyone from General Motors reads these reviews, this was a GM Rewards Card. Guess I won't be buying a GM car. Ever. "Capital One. What's not in your wallet?"

I applied for the Venture Rewards card and mentioned to the agent on the phone I had a fraud alert on my credit report. When we completed the process she told me my application was on hold due to the fraud alert and that Capital One would be contacting me. Days later I get a letter in the mail saying I was denied because my consumer alert was not verified. When I called them I was told there wasn't a phone number listed on my Equifax account and they couldn't use the phone number I had provided during the application process to resolve this. I've had this fraud alert placed for years and have never an issue with anyone verifying my identity. I find it very hard to believe they're denying someone with a credit score of almost 800 because of some technicality, very poor service!

Wow, just seen the prior cases and in resolved issues. Still waiting on mine to be realized since September 2017. Take money, bill money but want it back to your account or cancel? The agents are great but it's the account specialist who will make an excuse or try to confuse you then record your request but really won't submit one. They say "It will take 3-5 business days" or "3-5 days business days is really 10 business days??? The request is passed on, let the computer deal with it or it sits in computer until account is in the rears. But your bill cycle and fees are going up daily. By the end of today if nothing is done, I will be closing my account. I will be waiting by today & "CEO OF Capital One in USA/Canada" as well Costco members. This has to be fixed and I advised all customers to CLOSE THEIR ACCOUNT IMMEDIATELY and join their competition, you know who!

I had this credit card account with Capital One for a year and a half and I had no history of late payment. When I left the US, I paid off my bill in full from my bank account through the Capital One portal. My bank account was active for a long time and you know what? The payment I made from the Capital One portal got failed due to a technical error on their end and I didn't even know about it (Of course I didn't track my bank account for a while after returning to my home country). No emails from Capital One about the failure of payment or the bill amount due. It looks like they sent letters to my postal address (where I wasn't living anymore LOL). I made sure I sent them an email about my leaving the country and that I have made my payment, of course I didn't receive any response for that.

They keep on that in late fees and I keep on paying it on time but they keep on getting stuff mixed all up so they love charging people late fees for no reason. Not a great company. Wish I never would have signed up for them.

I’ve had a Capital One checking account for about 25 months now. All was well until a hold was placed on my account. I’ve taken all of the necessary steps needed to have this hold removed from my account however, Capital One hasn’t responded to my case, I’ve been calling for over a month now and the only answer I get is, "We will get back to you in 24-48 hours". Well it’s been just over 330 hours since and my account is still on hold.

I was on hold for an extended period of time before Customer service submitted my complaint. I then had to wait a week before receiving a message that my funds had been released after 3 days and there was no error. This was not true and after another extended hold customer service had me hold even longer so a manager could tell me hold was normal and despite not being notified of it, the bank was still not at fault.

Capital One had been great until the last past two months. I had surcharged of $80 and they waived it $50. Then following month, I got charged again for $38. I called the customer service about my concern as well the virtual customer service, yet I did not receive any help. I mentioned I usually got call notification as well automatic payment in the account. REALLY disappointed, and I closed my account.

I recently got a Capital One Quicksilver Mastercard to use for travel and to get cash back on my purchases. In preparing for a trip to Europe, I charged Euros at a cash exchange. Capital One not only charged me interest but also a "cash advance" fee. Bottom line is that I paid over 4% for the use of the cash for 3 weeks. That's roughly 65% annually. So the good news for Capital One is that they got a LOT of money for this transaction. The bad news is that they won't get their returns on about $9k in charges each month. Way to go Capital One!

I called for a third time in 3 months because they were charging me interest for a third time. The first time, I had a balance of $8000. I paid by mistake $7950 instead of the $8000. So because of that balance of $50, they charged me $165 in interest. The second time, they charged me $113 that they gave me back, because they changed their system, and all the alerts I used to received were gone. Because of that, when I finally paid the balance, they charged me interest one more time, because the difference in the statement date and the pay date (another 20 days). All three times, their customer service experience was deplorable. Very unfriendly guys. It is the first time that I had so much troubles with a credit card. I have several other and no one gave this type of issues.

Unless your credit is in the basement, and even if it is, you should not be doing business with this predatory company. I knew Capital One was the most complained about company and should have known better. Accepted a card I was approved for online and used it. Then suddenly my card was mysteriously rejected for “fraudulent activity” as happens often to Capital One credit users. They insisted I send in my driver's license after I answered security questions correctly, which no other credit card requires and you should never do.

My 18-year old daughter received funds from her college, and attempted to reverse the funds to go on a recent bank account, and this was in September. Capital One has not even called her back after several attempts. Their fraud "team" is suppose to contact her, but must be very busy, because it's 2 months later. Never have I seen such a corrupt credit card company. It is sad and pathetic what people have to do to get their own money. We are still waiting, and it's pushing December. Sick!

After almost 20 years of being a Capital One customer, my mother closed her account (and opened another) at the recommendation of a Capital One employee after the death of my father. Before a bill had even been sent (2 weeks later) she started receiving collection calls. Their credit has always been in good standing and pay off the card with Capital every month. This is despicable as far as I'm concerned as a business. Someone else will be getting our business now.

I detected fraud on my account and called Capital One. The woman was helpful and told me my credit number was now deactivated and she would send me a new card in a few business days. I said I'm sorry I can not wait that long I want it overnight. She told me she is unable to overnight it she needs to speak to a supervisor. I said ok please put in a order for a new card and speak to a supervisor regarding when it can come and just send it out because I need it. Three days later, still no card received. I log in online and see it says Account Restricted. I received no notice of this by phone or email. It was just by chance that I logged in. I called up Capital One and after being on the line with an incompetent representative, I asked for a supervisor and was transferred. While I was on hold, the call disconnected.

I recently made 2 payments on my Capital One credit card. Only 1 payment showed up. I tried calling customer service and was on hold for a very long time and then got disconnected. This happened several times. I finally got through after 40 minutes on hold without getting disconnected. The service rep said my payment was received. I was very concerned that it didn't show on my account. She assured me it would show up the next day even though that payment was made 2 days before the other payment that did show up. She also said the balance showing online was the true balance but it didn't add up.

I have been a loyal Capital One credit card user for almost two decades. I HAVE NEVER been late with a payment and have ALWAYS paid my account off monthly. Yesterday I received a letter in the mail that they are decreasing my credit card limit because I do not charge enough on my card each month. I telephoned immediately to speak with someone that could explain this to me. A loyal, RESPONSIBLE, customer that always pays on time is being dinged on a credit rating because of a credit decrease. Of course the Capital One customer representative could offer no explanation! This is RIDICULOUS. I guess this shows what Capital One thinks of their LOYAL, RESPONSIBLE customers. Thank you very much Capital One. Your true colors show in how you do not respect your customers!!!

I am soon closing my Cap One 360 checking account and withdrawing all my money with their investment service. I needed to wire money to a company and Cap One refused to wire the money unless it was to my own personal bank account which is useless. I had to open up a bank acct with Chase and when I did they then told me it would take 30 days for them to approve a transfer into my personal bank acct. Absolutely unacceptable Cap One and Adieu!

Called to pay off my Capital One BuyPower Credit Card and close the account. I asked what the final amount would be and that I had no outstanding purchases, charges etc. I paid off the account and requested that it would be closed. A month later I receive a statement showing interest charges. I called and told them I paid off the account and now I have interest charges. They informed me there was nothing they could do about it, that I closed the account before the next statement due date. What a way to do business, just trying to inform the public, beware of this company.

Wow - where to begin? I haven't ever had a problem with Capital One card services or customer service until October-November of 2017; they have waived late fees, eliminated erroneous interest charges, adjusted billing cycles, and allowed overlimit purchases. I always pay my balance in full every month, and have had pleasant experiences with employees and supervisors. Recently, due to the hurricanes in the Gulf and Southeast, Capital One deferred credit reporting to the bureaus due to many people's inability to make their payments; that's nice, but they did not notify their customers and the result for me has been a failure to report accurate information since July, 2017. Because of this, my credit score has stagnated.

I was unable to get online and check my account due to some computer issues, so I accept that responsibility. When I was able to contact CO and get online, I saw that I had been charged multiple late fees (and I am sure bad credit reports). Because my payment was arriving within some "two day window" it was deemed late for one month but not early for the next! When I spoke with someone about this, they did offer to refund one month of fees, but not the others - even though I had sent more than the minimum payment every month.

For 6 months consistently I paid more than what was due on my account never settling to pay the minimum balance. I recently requested a credit increase and was denied which I don't understand as my credit is OK and I never missed a payment. Since this occurred I'm simply gonna pay off my credit card and get a better one with another company. I don't recommend financial services from them at all.

When frauded by a company online and charged a lot of money for a product I never received, I called Capital One and they took off the charges and issued me a new card. But 2 weeks later they sent me a letter reinstating the charges because the company said I did receive it and I had signed a contract. I never signed anything and never received the product. I told Capital One this was a scam but they said they couldn't do anything else for me, so now I'm out 200 dollars. Don't count on Capital One to help you if you get frauded.

Let me begin by saying I am relatively new to the whole credit card world out there and my experience for some people might be like "It is no big deal". But I want a place to voice my opinion and hope that the experience I share will probably be of help to another novice like me. I was pre-approved for a CO credit card and decided to accept the offer. A couple of days later, I was asked to send my documents (Driver's License & SSN card) for verification. I sent the documents via Fax as suggested by one of their customer care representative for speedy processing. Nevertheless, I still mailed my documents as well just to be sure about it. I called CO to let them know that I Faxed my documents and wanted to know if they received it but the customer care representative told me someone has to update it on file and she is not sure if CO has received my documents. She asked me to wait for a few days and I patiently did.

I paid off in full 5 credit cards, over 12,000, and the following month charged me interest again. When I called them they told me I’m playing a game that I don’t know the rules to. I would not recommend this cards to anybody. Capital One will rip you off.

I am giving this credit card a one star review. I've had a Capital One Rewards credit card for over 15 years. I've never missed a payment, the credit score they give me on their own website is 831, yet they still charge me $19.00 year fee. I called to see if they could waive this as I have been a customer all these years and they refused. They offer the same credit card and other cards on their website for no fee. They even called me a few years ago telling me that the interest rate was going up and I said okay, and didn't give them a hard time like I'm sure other customers would do.

I recently moved to the Dallas area and needed to open a local bank account and the checking 360 account seemed like a good option. Several things happened which made me close my account after one month. First, because I recently moved I did not have direct deposit set up for work right away so I needed a bank account to access my first paycheck. I specifically asked if the funds would be available within two business days and the banker said "yes," but I was disappointed when it took 10 business days to access any of my deposit. The bank manager was apologetic about the miscommunication her team had given me but that's all she could offer.

In my time of hardship Cindy was very kind and understanding and helped me more than she will ever know. I felt relief from my situation and she brought a smile to my face by the end of our conversation. Then did something remarkable about a week later that once again made me smile and changed my bad day into a good one. Thank you Cindy ** @ Capital One.

Been with them for two years. The promise they make about getting your security deposit back after you have established positive history is bull! They won’t release your funds until you close the account. They will not increase your credit limit even with a flawless history. They lie and customer service sucks.

On June 30, 2017, Capital One sent us a letter asking for us to update my wife's street address as per government regulations. The letter said that we had until August 17, 2017 to reply or our MasterCard account would be closed. On July 5, 2017 we contacted Capital One at their 1-800-227-4825 number listed on the letter. We spoke with Randall, at 12:51 pm. We updated the street information on the card and Randall informed us that he would be sending out new credit cards to us within 4-6 days. The Cards were shipped out to us on July 15, 2017. Randall was an overseas operator and now no longer works for the company.

Made one late payment and they reported me to the credit bureau. Been a good customer for 10 years, made one late payment back in 2014. Have made contact with Capital One and asked them to remove this from my credit report. They said NO! Pretty childish over one late payment in 10 years! So this is the thanks I get for being a good customer? I cut my card up into the shape of a suppository so you know exactly where to stick it when I send it back! Thanks for nothing!

I signed up for a Capital One card to boost my credit, they gave me a $200 limit. My credit card was hacked at a gas station and when I reported the issue I was issued a new card. My credit score dropped almost 50 points, I contacted Capital One and they told me my credit is being ruined due to reporting fraud on the account. This is not what I expected from such an established company. Very disappointed.

I've had Capital One for a little over a year now. I have a limit of $300 and make monthly payments of $25. Nothing I can't handle. Well, I am in Florida and was in the direct path of Hurricane Irma. My kitchen flooded, power was out for a few days, fence almost went through the window but thankfully it was boarded. Capital One offered financial help. They gave me $100 in credit and took $50 off of my total. They did the same for my sister. I had the money in my account for a few days, about a week- when I bought a pot/pan set since our kitchen suffered quite a bit of damage.

Lost my job. Bills piled up. Cancelled my credit card with CO due to their hidden fees. Was with them for about 6-7 months. Told them I would only make a payment as much as I can every month. Made 2 payments past 2 months $58 and $25 and still add more fees! Damn crooks, debit cards are better. You don't have to worry about paying back. Put some money aside for ERS. That's it.

I applied for my MC, got my credit line, and got an increase the following year. Everything seemed fine. Throughout that second year, I made purchases almost every month, but paid everything off (not the entire balance, but something like this: (example) buy $20 shoes, pay them $50 more than the minimum; spend $45 on we, pay them back the minimum plus $150 more. And yet, every month, the minimum due would increase until it was $59 every month JUST to keep my credit afloat, along with an "interest charge: purchases" of almost $40. Even though I always paid back for my purchases??

I have had my identity stole with Capital One only. I have not had issues with any other company. In 2012 it first happened. They replaced the card. Then again in 2015 and again in November 2016. I have had to file police reports, put pins on my account, Filed for a 1 year stop with each credit company to ensure nothing opens, and pay for identity alert. However Capital One continues to allow for inquiries and accounts to be opened. As recent as today 11/10/17... Police report #** (borough of Sayreville Police Department).

WORST company I have ever dealt with. I went abroad as a student for 4 mos. and every couple of days Capital One found a reason to place my account on HOLD. I paid my bill a couple times a month which I was told is a problem. I paid the balance from a couple different bank accounts. I was told this was a problem. I made too large of a payment. I was told this is a problem. AND, It takes 6 DAYS from the time I pay the balance until the time it posts to the account. SIX DAYS - are you kidding me? DO NOT RECOMMEND CAPITAL ONE at all.

This is the worst company to ever get credit with. I made some purchases and I made a cash advance. I could not believe that barely a fifth of my payment was going towards my principal. I inquired why is this and they explained that I'm paying 2 separate interest rates for 2 separate balances for one credit card. They were charging me extreme interest rate for my purchases and another interest rate for my advanced cash. That's ridiculous. I decided to pay the $4100 balance off and a month later they sent me a bill for closing interest rate charges indicating that even though I paid off my balance and closed my account, I had 3 weeks of interest rates that continued to accumulate and I was responsible for. What a dang fool I was to initially ** with this capitalistic mafia greed money laundering scam company. Please do not let this company screw you with their degrading inhumane tactics. BUYER BEWARE.

I was attempting to purchase an appliance online when my purchase was flagged as fraud and my card denied. When I called, they insisted on speaking to my husband and going through security questions and steps before allowing the purchase.

I was approved for a credit card soon after Hurricane Harvey, which I was extremely affected considering I live in Houston. The money was well needed. I strive to always pay any loans/credit on time. I signed up for auto pay 4 days before my payment due date, to ensure I did not forget. I did not pay ahead of time because I was waiting to get paid again the Thursday before my due date.

Booked my travel using points to Mexico for Feb 2018. Mind you this is my first time using services. Issues with website. Website booked for wrong date home. Called Oct 26 and spoke to Sam with promise a callback with 3 business days and no return call. November 6th and no callback from Sam or any rep. Called back today. Transferred 5 times repeating myself 5 times and states can't help me. I paid over 15k to them prior to purchase and telling me I have to pay 200 per ticket to change.

Good Morning - Last month I contacted Capital One to pay off my entire balance in full. Last week I received statements to pay 49.18 and 27.80 of interest accrued on the account. I spoke with a representative from their organization and was not informed that I would continue to received interest after paying them $2858.60 ($49.18) and $3798.77 ($27.80). I contacted their office today and spoke with a supervisor and he advised me he was unable to waive the fees and he apologizes for me being provided the incorrect pay off balance. I asked to speak with a manager or administrator and he disconnected the call. I worked hard to pay off the balances and I am not happy with their customer service. I ask to speak with someone and was disconnect. I have been in Customer Service for over 30 years and I strongly recommend their operations be reviewed and evaluated.

I wanted to pay my 13000 bill off today and asked to have their outrageous interest rate waived and got ZERO help! I was NEVER late with payments and been with Capital One for 3 years!!! I will definitely close my account with them!!!

I was thrilled when Capital One accepted me as a customer for credit. Today I am absolutely heartbroken. After a returned payment 2 of my accounts, they closed my accounts. I made the payments on the accounts when I found out what had happened. I am embarrassed and heartbroken. I would NOT recommend opening any credit lines with them unless you are a perfect paying customer. It is not worth the damage to your credit.

Over a month ago I discovered I had dropped my MC card in Costco. No one turned it in so I called to stop the card and order ordered a replacement card. After 45 minute wait I was put through hoops for ID because I didn't have the card number and then told they would have to talk to my husband because he was the main cardholder! We asked it be expedited, was told it would be rushed. One month later it had still not arrived. We called customer service and were on hold for 20 minutes. The rep finally came on and said there had been an error AND mailing delay and tried to connect me with a supervisor. Another 20 minutes later still no supervisor - I was very angry by that time but the poor guy kept checking back and was doing his best. Another 10 minutes till one came on.

In 2009, I paid off Capital One Bank. I have copies of a check that they paid on a closed and transferred account. They took me to court in 2011 and I showed them the cashed checks and police report of a credit scam that I was involved in. I also had an attorney. I wasted 2 years going in a big circle in court. It is a racket to find attorney ** put a judgement on me behind my back. Which he is no longer in business. Now, in 2017 my wages are garnished by a unethical and criminal activity. Do not get trapped in white collar crime. I do not recommend Capital One and I was traumatized by the court system.

As I write this I’m on hold with Capital One. I have been on the phone an average of 3 hours and 30 minutes pertaining to an offer I was given. I had fallen into delinquency due to unemployment and had recently reached out to Capital One in order to make a payment and find out about relinquishing the restriction on my account. A woman with a thick Spanish accent had said that I am in luck and she had an offer for me that I would not be able to refuse. She continued to give me a disclaimer saying that this was a program that not everyone received and if I had met my minimum payment by a date we had set I would have my credit card restored.

I made a payment the month of this complaint, I'm $500 under my credit limit, but due to the timing of when the last payment was made and when the next was due, my account gets locked. They don't tell me it is. I travel to another state, went to eat for 14 bucks, tried paying with my credit card that isn't capped and can't. I'm on the phone with them for 1 hour and 46 minutes now and STILL on the phone, and still haven't spoken to a manager about this problem. I only spoke to the customer service representative by the name of Tasha, who found a million reasons for why she is sorry, meanwhile, the restaurant still hasn't been paid yet. That, some really, really bad service. 1 hour, and 46 minutes... and they can't fix a $14 bucks worth of a problem.

After being a customer of Capital One for 5 years I lost my card and my card was used for fraudulent transactions and they refused to refund the money claiming that I was involved in this fraud activity, really what kind of customer service is this? In addition they never offer credit limit increases though I pay my balance in full every single month. My advice to you never apply for it, it's a big headache.

Lying, manipulative, and unreliable. I was manipulated into believing I was applying for something I wasn't. Called multiple times per day to assure the reps to not ship out card unless matter was corrected. Was told every time they would make a note of concern and take care of the matter. Woke up today to email that card was being shipped against my wishes without resolving the problem. Top 2 worst companies I have ever dealt with. Stay clear, save yourself the trouble. Go with Discover, Chase, or any other company except Capital One.

After 10 years with Capital One, and excellent credit, I learned today that CO doesn't upgrade to other cards! Have to submit new application! TERRIBLE company. BAD BAD BAD deal. Look for another company! AmEx has excellent customer service!

Deny a increase because I have too much credit not use. If I use too much then they tell me I overuse my credit. Damn if you do damn if you don’t. Never call me back. Waiting 5 days had to call them 5 times find out what’s up. Customer service sucks bad.

After talking with bank representative and she confirming my account officially closed, I checked my credit report which stayed COB reported I was 39 days late on a payment. I called and was told there was $93 balance. After talking with a supervisor she took off charges, balance zero and confirmed account closed. She said COB could not redact negative reporting of a late payment! I am still furious! Avoid this bank like the plague for myriad of reasons!

We had our Capital One Mastercard for 3 years. We never carried a balance and have excellent credit rating. In 2016 they sent us a letter saying that we could not use it for business use. Why I am not sure. However we complied. Then a month ago my husband went to get gas and his card was declined. When he called me and I looked into it, I was told that Capital One had deactivated my account. The reason was business use. I explained that we actually were just in the middle of building our personal cabin and the expenses were not for business at all. I explained I thought it was horrible that we had not received a letter or a call to even discuss this. My husband could have been left stranded.

My October statement from Capital One, Costco Mastercard showed a statement due date of the 27th of the month, 5 days earlier than previously. As a Federal Retiree, pension amts. are not deposited until the 28th of the month. This was an onerous change. I contacted Capital One and they said the new date reflected a change in their grace period from 25 to 20 days. I asked for a change of billing dates. No, they could NOT change the payment cycle. Excuses ranged from "system inflexibility" to "something may be in the works". "Sorry for the inconvenience." Not acceptable. If Costco and Capital One can't manage such a reasonable request, then I'll drop the card. Pay debit or use other cards. Here's a thought - why not get a US Costco membership and then they will honor any Mastercard?

Paid my bill 6 days ahead of due date. Used my usual bank account. Their system decided to draw from another, non-existent account (yes, really)! I called them, discussed the issue with several levels from customer service to IT. I was to get a response in 24-48 hours (hah!). To add insult to injury, they're charging ME a late fee.

I made a hotel reservation using BedandBreakfast.com after the sales rep told me he could reduce the total cost of the reservation by applying a $100 FREE GIFT card. This was declined. He then offered an additional $300 FREE gift card. I accepted. I called back 22 minutes later to cancel as this sale made no sense. 3 Minutes later I received an Email stating the ENTIRE sale HAD BEEN CANCELLED. They proceeded to bill my card $168 for the cancelled reservation and $300 for the cancelled Free "gift card." The $100 Free gift card disappeared. As requested, I sent documentation to Capital One - but they want to Accept the vendor's lies!!! They still want me to pay $300 to them when I've been obviously scammed.

Sept 29 Capital One cancelled my credit card without me asking for it to be cancelled. They claimed they sent a new replacement which I never received. It's now Oct 19. They never informed me they were replacing it. No email, no text msg, no phone call. Nothing! The worst part is I didn't realize till now it was the old card I was trying to use until it got declined. So I called to find out what the hell is going on. They gave me some sob story which I did not care to hear. This is the second time Capital One has done this. And probably be their last time to me.

I had Capital One Venture card. Just open 2 months ago, paid my credit on time and in full. I travel to another state and use the card (of course for everything, car, hotel, air ticket, food...) and of course the card was closed suddenly due to fraud (we received no call, no email, no warning). The card is restricted at first, and when we call they said the card is closed due to fraud activity. We can't reopen the card, the reward (40,000 miles) was redeemed as cash reward ($200) instead of travel reward ($400). Just great.

Worst customer service ever. Charged me 9 dollars and refused to return it for a flaw in their system, which allowed me to submit a payment and then charged me a fee for it. The explanation from the manager on the phone is that this is how they "keep the business checking accounts free". With that logic, I wouldn't be surprised if they have employees who try to steal your wallet when you walk out of their branches, too. Because they essentially steal from their customers. Their customer service is disgraceful, and rather than refund the 9 dollars, the manager offered to immediately close my account. That's a business you definitely want to stay with, right? Wrong.

I received the Capital One Credit Card as a result of Costco switching to them and all I can say is I'm gravely disappointed with Costco and Capital One. Costco what were you thinking... I never had issues like those listed below when American Express was the credit card of choice. The credit limit provided is often too small for most families. When you ask for an credit increase it can take up to a year even when you pay your bill in full each month and have impeccable credit history. Heavens forbid you wait until the last days before the bill is due to pay off your card. We made this mistake once and it took between 5 and 10 days for our bank transfer to reach Capital One.

I have a Capital One Platinum card and when I first got it 11 years ago they charged me an annual fee of $19. Now people who get the very same card do not get any annual fee at all but they expect me to continue paying the $19 a year. How can they do that? I would get rid of the card but it will hurt my credit because of how long I have had the card. I WILL NOT USE MY TWO CAPITAL ONE CARDS AGAIN. I WILL KEEP THEM UNTIL I CAN GET RID OF THESE CARDS when they won’t hurt my credit.

Capital One On-line access to be removed. Yes, they are modernising their site security. Which means (I have one of their credit cards) that I can only go online if I can give them my mobile number. But I don't have a mobile, don't need one and don't want one. Their response? "Tough luck. We don't want you". There must be thousands in my position. I've not come up against this anywhere else.

I took credit card in 2013 and only spent 355£, paid total 480£ since 2013 and have not used the card since July 2013 only to be informed that I still owe 295£. It's a rip off to customers struggling with finances. How much profit does Capital One wish to make, it means it'll take me another 4 years to pay off making their profit triple than what I borrowed. Ripping off customers. I WILL NEVER RECOMMEND IT TO ANYONE.

I've been a customer for over 20 years. In May of 2017, I overdrew my account for the first time ever. When I called to see if there was an Overdraft protection plan, the man I spoke to told me yes. And he told me I could sign up and any time I was overdrawn, the bank would pay my shortage and then let me know so I would not be charged a $35.00 overdraft fee. He explained "We do authorize and pay overdrafts for your checking account and Automatic bill payments." That was it. I was all signed up. In September, I was overdrawn again, but I was charged $35.00. I called and said that I thought they were supposed to cover the amount I was over and let me know, so I would be able to correct it.

I have had a Capital One Spark business card for about 10 years. Never had much reason to contact them and card always seemed to work fine. I use Quicken to manage banking and credit cards and on Friday the 6th a charged of $15 was applied to the account for a missed payment. I spent more than an hour both on hold and getting cut off trying to reach someone but to no avail. By the way this was on a balance of $62. I finally got fed up and closed the account online. The total payment will arrived electronically today the 10th. This morning an interest charge of 5 cents posted to my account. Yes I missed making a payment due to an oversight but the fees charged are absurd and the lack of customer support availability is really bad. All of the ads on TV are questionable. Never again will I have anything to do with them or any company associated with them.

I applied for a HELOC and provided all financial information asked for except I had one loan which is to be paid off next year in October 2018 and Capital One asked me to produce bank statements evidencing that I had more than $180,000 on account to make sure I could pay off the loan. They strung me along until the last minute and then denied the HELOC. I asked for 65K HELOC on real property worth $850,000 with a first of $415,000 and was told my account balance was too high and therefore an equity loan could not be given. They knew from day one that those were the balances, yet made me go through all their hoops and I wasted valuable time and effort and provided financial documents I would not have released otherwise but for their pre-approval.

I signed up for the BuyPower card where there was a 0% intro APR. The intro APR expired and I noticed that every month they charged an interest fee of $27.15 for 10 months. I signed up for auto pay therefore, thinking it is good that I am making the payments. When I checked the last statement I received I was in shock!! I was charged a total of $269.99 for a purchase balance of $1274. This is ridiculous!! I called the customer service and asked them if they can waive the fee- other banks that I work with does not have any issues with this!!

Unable to access my checking/savings accounts. This is unacceptable. In light of the recent hack on another large corporation, I have decided it's not worth it to continue with Capital One online. Too risky. They have my money and I cannot get it. They need to change their online websites BACK to the way they were. All you get is a blank page. And I do not TWEET. Sorry Capital One. You lost my business.

Capital One Mastercard has the one of the worst customer experiences on this planet we call earth. I honestly don't know how they are in business. Also, they have tens of thousands of 5 star reviews on their website. Do they know it's illegal to write and publish fraudulent reviews? It can lead to jail time in New York State. I've been placed on hold day after day while trying to activate my Capital One Costco Mastercard. If I didn't like Costco so much I would have bailed. I fear Capital One is hurting Costco's reputation by offering horrid service while being attached to Costco's brand. In summary, Capital One sucks. They must hate their customers with a passion.

Cheating lying **. Signed up for a $500 limit credit card, approved, sent a $300 card. They wouldn't fix it, told me I had to work for what they promised. First payment goes through then two days later gets cancels by them and not even sent back, so they stole my payment and decided they were going to keep it anyway. Then they added late fee to my account because they decided my payment wasn't good enough. Definitely suing these stupid horrible people. I didn't bust my butt fixing my credit for some low life worthless scumbag to ruin it for literally no reason. Can't wait to see them in court.

When you book a flight with Capital One Reward Miles, be very sure that your plans will not change. I had to cancel a flight booked with Capital One miles, and it took me an extra $200 and several hours on the phone (most of the time I was on hold, or being transferred to yet another person), to accomplish this. I've never had this experience with other airline miles plans. The best way to go is to keep the credit card offered by the airline you usually fly. I will be cancelling my Capital One credit card. It is not worth the "no hassle" hassle.

I am preparing for a surgery that will have an extended hospital stay. I proactively called to ask if they had a temporary plan that would not negatively impact me if I was late on a payment while in the hospital. I was given a plan option as my BEST option. What I was not told was that plan would immediately negatively impact my credit report and that in taking the program my credit card would be suspended and I would have to earn it back after 3 months of on time payments. I didn't have a problem making the payment due. I just wanted to be safe while I was in the hospital IF I missed a payment due to any circumstance of complication. Again I was just being proactive in my call to explore options.

High fees, unexplained payments; Null, null, null, and one of the most disorganized customer services I have ever experienced. All in all, I have nothing good to say about this credit card company. Every time I call for help the customer service reps seem uninformed and will often times offer contradictory information. That is of course, when I can actually make out what they're saying, as many of them have such heavy accents that it is near impossible to understand what they are saying.

I have been a Capital One customer for about 5 years. The card was to help me build my credit. I always tried to make my payments on time, and occasionally, I was a day late or a day early; but did my best. This past March, I called the Customer service department to let them know that I was having surgery and that I would be off of work for 8 weeks. I asked that she please leave a note on my account, as I would miss a few payments because I would not be at work. In the next 8 weeks, I got a few bills stating that my account was behind for payments, and to pay as soon as possible. Once I was feeling better, I called and explained that I did call before my surgery, but was receiving these notices. The gentleman at their end stated that no note was on my account and I needed to pay as soon as possible. I asked for the collection department and we were cut off.

I have been a Capital One customer for more than 10 years. I used to highly recommend them and appreciated them always being on the lookout for fraudulent activity and contacting me when necessary. However, in the last year, I have been highly disappointed. It has been a hassle to call Capital One for a variety of questions or to get answers. This was my most recent experience: I got on to pay my bill due in August 2017 on the day it was due. However, the website was down. I kept trying throughout the day and when it finally allowed me through, I was 2 hours past the closing time of 5 pm E.T.

I will make a long story short. I just needed to add my new wife as an account holder to 2 accounts. This took 90 minutes and 4 phone calls. Their common excuse was that they have a new web-site. Ever heard about testing your new web-site before going public? I have these accounts set up as alimony for a previous marriage. As soon as this support is fulfilled I am also divorcing Capital One. Try Discover bank, they are great!

This is the shadiest credit card company I have ever dealt with and they could care less. For starters, I have excellent credit and have been a good customer for years. On Aug 25th of this year I had a balance of around $6300 and was charged an interest fee of $61. The next month I checked my balance and sent a payment to cover the entire balance plus any interest that may have accrued which gave me a negative balance on the account as of Sept 12. Now follow this! If I never used the card again they would have sent me a check for the overpayment which was around $130. I used the card 11 more times in Sept which was about $400 so if you subtract the money that was overpaid it leaves a balance of $270. Here’s the bottom line! On Sept 25 they gave me a finance charge of $29 dollars??? That is about half of the finance charge I paid when I had $6000 owing. Does this make SENSE to ANYONE?

I did a balance transfer from Chase to a Capital One credit card using the blank check they sent me in mail for zero interest for 18 months. They never notified me to tell me I was approved. Never sent me account info or anything. They contact me via email three months later to tell me I am overdue. My credit was wrecked from this! They did the transfer and put it on my old credit card with 28% interest. $5,500!!! Horrible! I am now paying three months late fees and interest and they tell me on phone because I was set up for paperless billing that there is nothing they can do! I NEVER SET UP PAPERLESS BILLING. Now I have to pay $400 minimum payment this month and have messed up credit! All because of their errors! Company are crooks. Do not recommend to anyone and will never use again. How dare YOU mess up and tell me it's my problem! GTFO here! LIVID!

On August 22, 2017 I emailed customer service to change my address and phone number. (I couldn't find an email contact for them anywhere on their website. So I responded to an old message I have from them on my inbox.) It is now September 29, 2017 and I am still waiting for them to respond. I sent them an email again for the same matter.

On the last week of August I went online to Capital One and selected a credit card balance transfer with a 0% interest rate for 18 months. The balance transfer request was completed okay but the computer system at Capital One coded it as a purchase with an interest rate charge of 16.65%. Now one month and 5 phone calls later their story is still "We cannot make any adjustments until we have a case number assigned to your complaint and investigate what happened". I spent an hour and 46 minutes with a member of their Executive Team today and he would NOT even attempt to help me. I then emailed Rich Fairbank, the CEO, and still NO response. They even accused me of selecting the wrong option online. Please stay AWAY from any online offers at Capital One. I told a friend and he laughed and said they did the same thing to him 5 or 6 years ago.

Aug 3rd I sent a notarized letter to close out a checking account. The amount is $55,000.00. The bank admitted they sent the check, in error, to my FLA home address, not my Mass home. The notarized letter directed them where to send it. The check was sent to wrong address Aug 16 or 17. That check was never presented for payment. On or about 9/11/17 I got thru to branch to get a replacement check. Was told by them & 2 other bank customer service depts I'd get a check sent to me. I was told they re-opened my acct. & $ was there (It wasn't). They don't do wire transfers.

Once, as ING Direct was 5+ bank, since becoming Capital One, been sliding downhill. Recently eliminated on-line check deposit other than through phones. Tonight I tried to link to another bank. For verification they sent Email security code, which when I entered they refused to recognize (copied perfectly though). Then I tried to get new code as text on my dumb phone, they refused to recognize my phone as mine and valid. Next they froze my on-line account due to "suspicious activity". Result? Need to call the bankers during bankers hours. Why have an on-line account if you're always "calling". I knew this would happen when ING sold us out. Big banking in America just doesn't understand about service. Personally, I'm trying Ally Bank, though I'm just getting started, but at least they offer 24/7 live help and on-line check depositing.

Have had a Capital One credit card for several years. When I decided to use the card to purchase gas 5 months ago because the card had not been used in over a year. About 2 months later I found out I was getting late charges when the autopay had been turned off by the company for maintenance reason they told me. So then I made the payment of the original purchase of $28.05 and got them to drop the late charges. 2 months later I discovered the payment had not gone through, and I was getting 2 more late charges of about $30 each.

I've been a customer since ING Direct days. Capital One 360 recently (Sept 2017) updated their website, which is requiring me to relearn it. Some things you can no longer do, like modify and existing scheduled transfer (you now have to delete it and re-enter it). And the feedback link at the bottom of the page would not work in Firefox; I had to switch to Edge to leave feedback. Capital One 360 has been gradually losing my business, (moved my person to person payments to Huntington and my savings to Goldman Sachs). I'm looking for an alternative as Capital One doesn't seem to consider my use of their website when they make changes.

I live in the Orlando/Kissimmee area of Florida and was just a recent victim of the effects of hurricane Irma. I had contacted Capital One and explained my situation that I was a flood victim, we lost power for five days, I haven't been able to return to work so once my minimal cash supply runs out then I will have no way to feed my family or animals nor even attempt to fix the damage that we just sustained from the flooding of our home. I spoke to a representative on Wednesday 9/13/2017 and then a supervisor who said he was submitting an emergency increase request and he would personally call me within 24 hours.

Capital One has inadequate security procedures. My mom is a long time credit card client of Capital One. Unfortunately, Capital One allowed some unknown fraudster to add her name to mom's account as an "additional authorized user" without contacting my mom first to confirm this was acceptable! My mom is 85 and has Alzheimer's. My sister and I have been taking care of her financial affairs for years. I have a POA which was "uploaded" to Capital One's website. From what we can tell, the fraudster obtained just enough information to pose as me or my mom and make a call into Cap One, getting herself added to the account as an additional authorized user.

I called asking a simple question on how I was charged interest on a zero balance and I am sure there was an explanation. But after talking with a representative Colleen for 10 minutes and she could not explain it I asked to speak to someone else. She attempted to place me on a brief hold to obtain an answer and 45 minutes later I am still holding. She doesn't know I will wait her out. She is hoping I hang up but I will tie up the queue and she keeps taking me off hold and putting me back on because she doesn't know her job and can't explain my money. We aren't talking a huge amount. Good customer service would never do this. Great customer service would have explained it or removed it but clearly Capital One has neither. I am a Frustrated customer. You can stop blowing my mailbox up with offers to my children as I would never let them get in business with such an uninformed, trifling company! Very disappointed.

Balance is false. If I could, I would give it Zero stars. I usually lay the entire balance on my credit card. And I expect to see a Zero balance. Last month I decided to make all my purchases on my card. When it was time to pay, I paid in full, So I was expecting a zero balance. I didn't that it wasn't a zero, because it was scheduled to pay a one time auto payment. But I checked a few days later and noticed my new balance was much larger than it should have been. I started counting. The math was wrong, I called customer service, their answer was that some payments were still pending and only reflected on the statement after the payment date. I didn't have time to do the math of the entire statement for the month so I just took her word for it.

In July of 2017 I purchased a drone using my credit card with Capital One. Shortly after buying the drone I had sent it for repairs. At the same time because the person that sold me the drone on eBay said the drone was covered under warranty. So when I sent the drone in to the manufacturer I notified the seller I wanted my money back. Called Capital One. Explained the issue with them. Capital One said, "Do not take the drone back. We have you covered." I sent the seller the invoice for the repair. Seller paid for repair and had the drone shipped back to him.

I'd give them zero stars if I could. I'm only in my second month with the card as I got it for a BT. I paid my first bill early, but I had my account number wrong (my error). I never got a notification the payment did not go through until after the due date. I got a late fee. They actually waived the fee. Month two. I paid my minimum early. I got a late payment notice. I paid what both the app and website showed as my minimum payment. Customer service told me that even though they waived my late fee (on the same day it posted), my minimum payment was increased due to the late fee so despite paying it early, I did not pay the correct amount. When I told them I paid the minimum shown online, he told me I could not trust their website. THEIR OWN EMPLOYEE told me I couldn't trust their website or app. As soon as my 0% interest promotion runs out, I'm closing this card and running faaar away from their scam.

I paid my credit card on day they requested. The next day I tried to use my money. Capital One declined me saying my funds were not available. This happens a lot. This company treats their customers like dirt yet they charge high card fees. Sick of being treated so badly. Don't waste your time applying for this card, you will be sorry if you do.

I had opened a secure card with (I'm not sure) in 1995 for 500 bucks to build good credit, as time went on this card turned into a unsecured card (not sure when) it was sold to at least 5 different creditors. On December of 2016 I was denied a car loan for, too high of credit balances, so I ordered all three credit reports. Upon examining them I found that Capital One had a 8263 dollar high balance, but I had a 500 dollar credit limit. Chase bank was also on there with the same high credit balance of 8263 dollars and a 500 dollar credit limit, Cap one bought this card from chase bank in 2011, chase started reporting on it in 2004 with a high credit balance of 8263 dollars with a credit limit of 500 bucks (I to this day, never been late, or over the 500 dollar limit).