Capital One Reviews

I left the country after I talked to my credit card co, which is Capital One and put myself on an automatic draft so I wouldn't be late on my payments. I came back home a year later, checked my credit report and find out that there are some late payments. I called and asked why? They told that l have to call them every six months to renew my automatic draft, otherwise they will stop drafting the money. Now no one told me that I have to every six months to renew the draft and the company has been very unhelpful with fixing the situation.

Opened a Capital One credit card 5 months ago. Paid on time every month. Even paid a month in advance. Closing date was on 14th. They told me they report to credit bureaus 2-3 business days which will make it on the 17th. Paid the bill on the 14th with checking account payment registered on 15th. They told me they would be reporting 0 balance. Instead they had already reported a high balance and my scores dropped 25 points so they lied. I ask them to re-report like Discover does. They said they cannot so I closed the account. Don't believe capital one. They’re sinking and fraud mentality. Go to discover. They’re great.

I give Capital One Quicksilver five stars! My credit score and history was just bad! Capital One started me on with my Capital One Quicksilver with a $250.00 credit line. I paid my payments before the due date! And without requesting a credit line increase, Capital One raise my credit limit to $500.00. And when you go online to make payments you get to see your credit score for free!

Around 2 to 3 years ago, I opened my first account with Capital One. I had credit issues previously due to medical issues and I was in the process of trying to re-establish credit for myself. At that time I was happy that Capital One allowed me to have a card. Since that time, I've never been late on payment. A year or so later, they sent me another card and I was approved. Then they approved me for a third card. In around the end of 2016, I started having problems with one of my accounts. For some reason Capital one put a lock on my account after I tried to use it on eBay with my eBay account. I continued to pay on the account for months from the same bank account using the same address and same information I always had. I paid from the same bank account on all of my accounts, my own personal checking account.

This is the worst bank I have ever seen. They had offered me a credit card with additional credit line increase if I make payments on time for 5 months. For first 2 month I had paid my bills manually and opted for auto payments. Unfortunately Auto pay didn't work for that month and realized that next day after payment date. I had made payment immediately and charged me late fee. I got an email from Capital One stating that I had missed payment and however, they will increase the credit line if I make payments on time for 5 months. So totally 8 months wait. This bank is cheat and make great insults to customers. Best way to avoid this frustration is try searching other banks and they make you much better deal than this stupid bank. I will stop using this credit card and switch to good banks like Bank of America.

Okay, once you read this I think you would agree on how crazy this situation is. I have a 745 credit score to be exact. Get TONS of junk mail from Capital One asking to apply for a new card. Ignored most of the time. But this time in question I started to have an obsession of wanting a credit score over 800 in particular closer to 850 as possible. Why? No reason in particular, some people collect stamps, some collect lint, I want the highest credit score possible. Apply online, get notice that additional information is needed to verify my identity. Print out letter, copy of drivers license & social security card NOTARIZED, mail certified mail. They receive, long wait, no follow. Call them asking what's going on? Said, "Oh... we'll get back to you in a few days."

I reported the car stolen and Capital One did not reimburse $1400 on my account. They offer 0 percent liability but in this case they did care and made pay 1400 dollars that some idiot spent at Bloomingdale's. Be careful. They will leave you hanging. Thank you.

Capital One are a bunch of straight out crooks. I had a situation in which a rental company fraudulently took $800 out of my Cap 1 card with a forged signature as they claim they had given me a deal that was too good. I charged back and provided Cap 1 with all email correspondence, flight ticket stubs, flight and car bookings. Basically the rental company added 7 days to my rental. Even though I booked my flight tickets ages ago (why would I rent a car for 7 days beyond my stay in the country?), my emails and original booking was for 21 days and not 28 days.

I am so livid. I had gotten an offer that I thought stated it was 0% interest on a balance transfer for 15 months as well as purchases. Great. I was approved and when I got the card called and activated it. Again, verified with the rep that it was 0% on balance transfers. She stated I had to wait 11 days. Great, fell a week before my payments with balance transfer cards were due.

This bank (if you can call them that?) doesn't know how to treat the senior citizens of this country with respect. I have been with them for many years and without notice my interest rate went from 19.99 to 39.99. I can't afford that and they think there is nothing I can do about it. I'll pay my credit card off and tell everyone that I come into contact with how terrible they are. NEVER TRUST THIS BANK!!!

So when talking to a customer service after being on hold for a second time after they hung up on me the first time I waited about 30 minutes so that I could find out why I could not access my online account. When I finally got on to only find that my account is restricted and no one can tell me why I can't get it off restriction until they say or until I pay it off. Don't make any sense since I have been making my payments. What a load of ** crap for them to do that and not give a really reason why they won't unrestrict it. Really great banking services not ** customer service skills at all on how to fix or address the problem to make it right for the consumer but I guess that is too difficult for them to do. PS. Go back to school and maybe you will learn better people and business skills but then again that might be too much to ask for. Peace. I'm out.

Today, June 1st, 2017 at 5:47 PM I went to my Capital One Bank in Journal Square, Jersey City and I was extremely happy with the service provided by Ms. Sandra! I had an issue and she was very professional and helpful. REF: **. She is an OUTSTANDING employee at Capital One Bank who did everything possible to help me today. Great Job!

Terrible customer service experience speaking with Labarbera agent ** in Virginia. A general customer service issue that we contacted them in prior was not completed. This agent was not helpful nor would she transfer the call to her supervisor as I requested. Very displeased with this agent and the fact multiple calls on one issue have to be made. Still yet to be resolved.

I've been a customer with Capital One since 2008. I have perfect credit and I've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas this morning when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their "expectations of personal, family, or household purposes". They said that they sent me a letter about it yesterday, but that it wouldn't have made it to me yet, which they said was the only reason they were willing to even tell me about it because I hadn't actually been notified about it yet. I tried to find out what they meant that I wasn't using my account for personal use, and they wouldn't tell me anything about it. I asked to talk to a manager and they said it would be 24-48 hours before someone would contact me.

My bank returned 2 payments even though the money was available in my account. Capital One closed my account. I provided proof of the incorrect returns. Capital one didn't even considered it was at no fault of my own. And why not restrict me to cash in bank / money order / certified check / Western Union or Moneygram payments only. It doesn't make sense. I'm not the bank or the banking computer.

Here's a fascinating (in my view at least) interaction I just completed with Capital One. Back Feb 23, 2017, I received a slew (15 in all) of fraudulent charges on my Capital One credit card. All were for exactly $3, all on the same day, and all from someone's named **. To Capital One's credit, the charges were immediately flagged as fraudulent. They sent me a text asking me to confirm one of the charges and of course I replied back that it was fraudulent. I immediately called them on the phone and declared all of the $3 charges to be fraudulent. Capital One then said that they would deactivate the card, send me a new card (it would arrive in 7 to 10 business days), and credit the charges back to the account while the fraud charges were "investigated."

After a few months of using the card, I went to S America. Upon return, noticed a couple charges I didn't recognize. I asked Capital One to send me a new card and tear the one I took to S America, as I suspected fraud. Once I got the new card, I spoke to the people with the suspicious charges, who I found out were after all legit (they had used other vendor's portal for the charges but were OK).

A BIG THANKS TO JESSIE WHO STAYED ON THE PHONE AND HELPED US FOR MORE THAN 1 HOUR. My BF and I have tried to book 4 tickets on Travelocity for a trip. But their website was acting weird and it kept changing the rates then asking us to confirm. I tried to confirm the transaction for 10 times, while having my Capital One credit card number saved for the moment. After 9 times, no tickets confirmed. We thought that something was wrong with my card, so my BF used his to confirm the transactions, and sure enough, he could not confirm the transaction after 10 trials. At the end: No tickets.

My Capital One credit card was canceled because someone tried to pay a bill or deduct a large amount from my card, over 2000.00. I have always paid on time usually far above the required amount. For the past several months, I noticed a restriction had been placed on my account. I stupidly thought I had maybe charged too much and was being penalized for charging too much at one time. So I continued to pay my bill on time every month on time before due date. I decided on May 27, 2017 to try a purchase a home, thinking my credit was in good standing. Realtor ran a credit check and on my report, Capital One, account closed by credit grantor.

Capital One held up use on my credit card without telling me or asking about a purchase they had a question about. Fortunately I have other credit cards I can use. I will get rid of this credit card as soon as I use up the points.

I've been with Capital One for almost a decade now since they acquired my local bank. I've never overdrafted or paid any bills late. I've banked with them exclusively and I've been happy enough with their services for banking, and their credit card services. But today I'm writing about my experience with their QuickSilver credit card. This past weekend my card was closed due to a fraudulent attempt - first time happening to a personal credit card and an inconvenience, but no big deal- none of the charges hit, I just needed a new card and life could move on.

This was absolutely the WORST CUSTOMER SERVICE I have EVER had! I have never submitted an online review for ANYONE in my life but I really felt the need to with this company. I am a bank teller and I called to verify that a check that was being presented to me was in good standing. After talking to several "agents" I was still unable to verify funds. I was told by a few that my number wasn't showing up on their end as the number I had given for verification of my identity! I explained they could call the institution themselves to verify since my number apparently wasn't doing the job.

I called in this morning and spoke with Lynn regarding some charges to my account. It was a wonderful experience. I feel that she really went above and beyond to assist me. She answered all of my questions and treated me like a person, which can be a bit rare in this day and age. Not only that, but she advised me of a late fee and reversed it because of my previous good standing with the account. I would highly recommend Capital One to any of my friends or family. I know that people tend to leave reviews after bad experiences, so I really wanted to share my good experience. Thank you so much.

Disgusting credit card company when you pay on payment date and still charge you late fee. Worst of the worst. Watch them. They will get you in any unethical way they can. Worst experience you probably will have with CC company. Scum.

I was trying to rebuild my credit, I heard about the prepaid card and thought I'd try it. Big mistake! They had my money for 11 weeks before I got a card, then when I finally received it, they had restrictions on it which I had to phone about, sit in hold while their card reading customer service reps gave me a big story without answering my questions.

I planned my trip to California, and needed to rent a car. I typically use my debit card for everything and develop credit via car payments, but renting a car requires a credit card for anyone under 25 and out of state. I applied for Capital One of April 28th. I was approved right away. I received an email on May 4th that my card has been shipped. It is now May 20th and still no card has arrived. I called on May 15th asking if they have the correct address. The representative confirmed my address, stating it is correct, and that it takes 8 business days to receive the card and that I should just wait. I called today because it has been 12 business days which is ridiculous. Upon calling, I was informed they had the WRONG ADDRESS ON FILE. They sent my card to STREET instead of PLACE. A block over, there is a house with the exact same address as mine, and the only different is that they live in a street and I live on a Place.

I received a call from a representative of Capital One and after first asking me to verify my personal details, informed me that my account had been compromised. (May 17th, 2017 at 3:37 PM) She then asked me to verify the last 2 transactions and I replied that those were approved by myself and are not fraudulent. The representative of Capital One then informed me that she had to close my account (cancel my credit card) immediately and a new one would be arriving in the mail.

I am writing about Capital One Journey Credit Card. I wish you could leave zero stars but I have to leave at least one star so ** you. I will give you one star. I opened up a account as it would be my first credit card ever. I had good faith that it would work out but it doesn't look like it. I received my bill for April so it said I had to make a minimum payment of $25 so I went to the bank and put the money in. I sent the minimum payment in through my Pinnacle Bank account. The bank is with Bank of Colorado. I sent the money and like 2 days later they sent the money back with some kind of ACH payment **. I sent $25 minimum payment to the credit card company and they decline it and charge me a ** fee on top of it.

TERRIBLE UPMOST WORST COMPANY EVER!! This is the worst ever company. They issue a card then immediately close it. If you don't want a person or company to have a card don't approve them. I wouldn't recommend this company to a snake.

The Capital One Fraud Department has placed both of my accounts on restricted status and guess why? All because I did an e-mail change. Outrageous. They want copies of the SSN, proof of residency, and my driver's license all for an e-mail change. This I will not do. Not for an e-mail change. What in God's name is wrong with you. Keep your damn accounts. Now I will not be informing you of any phone or address changes. I worked in banking for 27 years and this is a first. Simply because your program did not recognize an e-mail you put an account on restricted status. As a financial company you do have to provide some level of consumer service.

I am with Capital One Bank 24 years, actually I started with Chevy Chase Bank the same account number transferred to Capital One when they bought Chevy Chase around 10 years back. I regret that I stayed with Capital One, everyday I noticed the system efficiency, customer service, reliability & proficiency is deteriorating day by day. I would recommend to do substantial research to open account in Capital One Bank. After my long stay I am leaving Capital One. Hope you will not do the same mistake.

Last week I tried to open 5 CDs as part of a CD ladder on the Capital One website. I entered in information for the first CD (a 1-year CD); when I tried to do the same for the second CD it asked me to repeat much of the same information, including my bank information for funding the CD. I called customer service and they told me that I needed to enter that information for each CD. I grit my teeth and reentered the information for 2, 3, 4 and 5 year CDs. What with various screens and popups, it took around 30 minutes.

I applied for a secured credit card and got denied. I wrote a letter explaining that my wife is fighting serious cancer, we are trying to buy a home, and I'm trying to raise my credit. And I have a card now in good standing, I just need another. I also promised that I would take it very seriously. The disgusting people in management sent an email to some 6$/hr. uneducated person who called me asking that I return her call twice. When I did call back, all I got told was the decision will stand and it was based on my credit. Well what the flipping heck do you think I'm trying to do here, REBUILD MY CREDIT!! I DIDN'T BOTHER explaining because I could see the uneducated numbskull got off in telling people they are denied.

Back in September of 2016 I lost my job and became unemployed and did not receive unemployment benefits. I expressed this to Capital One being that I had a credit card with them with a 500 credit limit and they insisted that my account will be fine. I missed December & January 2017 30.00 payments and once I got a job and paid them on 1/28/17 I realized my credit score went from 680 to 450! So I called all three credit agencies and they told me There is nothing that will bring my score up to 680 besides CAPITAL ONE REMOVING THOSE 2 MISSED/LATE PAYMENT OF YOUR CREDIT REPORT!

The customer service department is awful. A credit was applied to my account then reversed within an or so. When I called to inquire as to why the payment was reversed, I was made aware by two supervisors that the credit I was given had to be used within a three hour period. How would I have known this as the consumer if this information was not shared with me when the credit was applied. I was interrogated, hung up on, inquired about their policy and procedures and still seeking answers. When a credit is given and or applied you expect the credit to remain until it's used, however they reversed the credit before I could utilize it and later told the credit would be available the following day, a day after I actually needed it. I'm highly disappointed speaking with several individuals who were unable to assist and after holding on all evening for answers.

After many more phone calls with many more people, including someone named Kaye who said she was from Capital One's Executive office, I hesitantly say I am satisfied that my situation has been resolved. I waited two billing cycles to make sure that it was for real. The only thing I can say to all of the rest of you out there who are having a hard time getting through to Capital One to try to get them to work with you is just keep trying. I think my review here on Consumer Affairs finally reached someone in Capital One who mattered, too.

I have been a customer now for about 11 months. The original credit line was $3000, without me asking they raised my credit limit after 3 months to $12,500. Today they increased it to $18,000. I never carry a balance but I do use my card in the amount of $8000 to $9000 a month. My statement cuts off on the 22nd of each month so I log onto the site on the 20th and pay it in full, so when it reports on the 22nd it shows a zero balance. I do this on all my credit cards. Two years ago my FICO score was 680 - it is now 838. I read these complaints about Capital One and most seem to be frivolous. If you maintain your account properly like I do you will never have a problem with Capital One or any other bank.

I am done with Capital One! I personally closed my account with them over five years ago because I caught them messing around with my APR and my due date! I have a written letter from them stating that if I closed my account the APR would remain the same until the account was paid off. I have never missed a payment. At closing it was a little over 5%; as of 5/2017 it is now over 6%. When I called the woman could barely speak English and was very rude. She said they could raise it whenever they want according to the law without notice and that my letter from them means nothing.

Capital One has a problem posting credits. I have had three credits issued to my account from three different merchants in three different months and it takes them over two weeks to post them. They claim it can take over two weeks to post. I just think they are delaying intentionally.

Capital 1 fixed my situation and I'm now very satisfied with their service and credit card! Thanks Capital 1!

Wow buyer beware!!! I am a business owner and made a payment late, as soon as that payment went late they jacked my interest rate to 30.15%. Wow what crooks. When I called to inquiry they said it's in the 9 page paperwork they sent. Buyer beware!!! I think they are the most dishonest company around. I have excellent credit and will pay this card off and NEVER do business with them again.

I rented a car from Budget Rent A Car and they overcharged me over $600. After unsuccessfully trying to get the company to fix the problem many times, I disputed the charge with Capital One. I sent all evidence and paperwork to Capital One within the time period given to me. After three months of back and forth between Capital One via letters and phone calls, they sent me a letter stating that the time had run out for them to do anything about the charge. I eventually was able to resolve the overpayment with Budget but only after seeking legal advice and threatening to file a lawsuit.

Never once have we ever had any type of problems with debt. This Capital One credit card that we opened started climbing fast so we called them at about $2,500 approximate balance and said we thought there was fraud because the card started climbing fast without us using like that. They said, "Do you live in ** town"? We said, "Well I work there." They left the card opened until it went to 10,000 dollars and started high interest and late fees, etc. Now, they sold it to their collection company and we will be headed to court I'm sure shortly. But, what they don't know, we will be taking this to the top court until it's resolved. We won't stop at our local county court because, this isn't the only card that did this at the time.

I have been receiving their stupid letter for over 6 months now. I read their brochure and not interested. I read reviews of many unsatisfied credit card holders. From that note I had no desire to be bullied by this bank. After receiving numerous letters I finally got fed up and contacted them. Usually promising to stop sending them. Never stopped. Even spoke with bubble headed management and still they send their stupid letter. This lets me know never to do business with such a corporate business. I still receive these stupid brochures. Anyone have any advice to get them to stop? They don't even have a complaint department so I was that told by management. Either they are lying or they don't want to hear how cruddy they are.

Capital One credit card services are committing fraud with reporting incorrect information to the credit agencies!! April 7, 2017 I paid the entire amount owed on the account. Capital One decides they will withhold the payment until April 13 with the most OUTLANDISH statement, "WE froze your payment because this isn't the usual method of payment you pay?!" The company has reported false information not once but twice on April 16 & 26 stating I have no available credit line, states the entire account is unpaid?! WTH?! This is a gross miscarriage in justice!! Beware of Capital One and their fraudulent processing of customers payments!! This is incomprehensible?!

Capital One is the worst card company people wants to go with. They have no sympathy for any member, no issue resolution, their interest raise every month, you will start good 'till you get to 23% Apr. I hate Capital One with a passion, their whole staff is **, supervisor are worst than agent. They send you to collection a couple days after your due date with no letter. Stay away from Capital One. That's all I can say to anyone that's planning on open a Capital One card.

Applied for a Capital One credit card on March 17, 2017 and was sent out a letter on March 22 to fax over info. Faxed over same day, called 24 hours later, was advised from a rep that received documents and was clear and wait about 10 to 15 days. Ok I waited, called then called back April 15. Almost 15 days later called back and was advised it was still in review. Ok now I'm thinking this cannot be real so I just happen to wait and today is April 25th and was advised after I call and was placed on hold for 10 min. my SSN on my application does not match what was faxed in...

The women that could barely speak English, was rude. I closed my account because of her. She has my social s #, email, etc. Now nothing in my life is not working. No email, etc what did she do? I know for a fact she's involved, I wanna press charges against Capital One for hiring barely speaking English crooks!!!

I had a MasterCard one month, I paid with my checking account but I missed one number, so it returned as soon as I found out, fixed and paid 250.00 on a 300.00 limit. After they received the money they closed my account, and even though I explained I am slightly dyslexic from a stroke and I have trouble with numbers, but I had sent the payment two weeks ahead and still made my payment on time. But they refused to reopen my account with no good real reason just a returned payment, and I even explained I am handicapped but they did not even care. They were all very heartless cold people who could have cared less. They just ruined a credit rating I have spent years repairing, they undid years of work over an honest mistake, I would not do business again with people who treat you so coldly. Every dept says, "I understand your problem. Sorry I can't help you."

I had been customer with them for almost 6 years. My apr is 23.57%. I call them every years to see if they can lower my interest rate but not even one time they will lower my interest rate. Can you believe that? Their purchase apr like cash advance fees apr compare to other company. Stay away from this company. They wont do no good but give a ** interest rates and cranky credit limit. Stay awayyy.

I wish I could just give 0 starts. Capital One is corrupt. I have pristine credit and never use the card, and was charged annual fees. I was told they would waive them, and once they forgot and don't have record of that promise. More recently, I was out of town and they assessed late fees on the membership fee--mind you, I never use the card, I have not used it in years but have been worried about canceling it as I did not want it to impact my credit. At any rate, when I talked with them, they promised me the late fees would not impact my credit nor would canceling the account, so they waived the late fee and membership fees and closed the account. Today, I found out my credit score went from 819 to 709 because of capital one. Nothing I did, this was all on their end. So, now I have to do a bunch of work to try and restore my credit and I never use the card. Unbelievable.

I was surprised my APR was so high after my 9% Capital One card skyrockets to almost 22%. I was using it to buy materials for a new house and getting what I thought were a nice rewards bonus, not so much. I called in to request them lower my rate and they said they could go down to 19%. I was not very happy with the 3% decrease and having no late payments, and being a loyal customer for 5 years. Paying my card off many times before and having no issues on my account whatsoever. I am pretty surprised at the company at this point with the competitive rates from other credit companies. I would have thought they would be there to take care of their loyal clientele. Unfortunately, I will most likely pay my card off and cancel Capital One. I have since educated other friends and family about this and they have looked at their statements to their surprise the same results. A 9% to 22 % APR increase and no lates or issues on their accounts.

They closed my both accounts, how their witch manager said because of "low activity", really??? I have excellent credit and never had any late payments and I used both accounts, but fortunately I have lots of other banks credit cards which have more rewards. Never again will accept anything from Capital One! Stay away from that bank.

I purchased a new $700 AV receiver from Walmart.com but the purchase was from a marketplace provider DiscountsJungle (a very unethical company). DiscountsJungle sent me a bubble wrapped used AV Receiver (not the styrofoam end caps and plastic bag protection in a new item). I attempted to setup and use it in my home theater and discovered the HDMI ports don't work. So I contact Walmart.com to return the item and request a prepaid shipping label because they didn't send new. Then, I discover that Walmart doesn't handle the return and I have to negotiate with DiscountsJungle. DiscountsJungle said their records show a new device was sent. I sent pictures of the AV receiver in bubble wrap and the remote scratched up on both sides - it was loose in the box and not in a plastic bag. From an unboxing video and online user manual, batteries were included and the end cap packaging was missing.

Recently I began receiving emails in regards to someone else's account. Same last name, different first name and I called and was on hold for almost 2 hours going back-and-forth with different people trying to figure out what I was going to do next. It's very concerning because just recently I had looked into applying for a credit card with Capital One however decided to go with someone else.

I received a past due charge for late payment on May 5th...today is April 10th. That put my account negative. So then they charge me another fee for that. I call customer service, ask them what's happening with my account. I explain I made two payments in Feb totaling almost 400.00 one at the beginning of the month and one your days before the end of the month. I was told I have a window of 3 days from the 5th through the 8th. If I pay sooner it is too soon and will not be applied to the next month. If it's past the 8th I get a late fee. The 400.00 worth of payments has been completely erased by their fees. There is no point in paying them! They refused to do anything about the late charges. Or set anything right! Consumers have no way to protect themselves against these horrific business practices. IT'S NOT RIGHT!!!

So about a month ago I call to see if my payment posted for one of my credit cards with them in which I took out a loan to pay off. I was told that my cc was used for fraud charges and was turned off. Cool, awesome. So fast forward to Today... I had to make a payment after paying off the credit card of $861.00 and they tell me it's still under investigation and I need to fill out the forms for the investigation which they never sent and then said they put a hold on investigation until I send them in.

I get three letters a week from these people where I am "pre-approved" for a $35,000.00 auto loan but I can't get a credit limit increase on my Capital One credit card. It seem that they will loan someone an amount that lets the car dealers make $5000 and them as financiers make $5000 over the course of a loan but a $500 credit limit increase on a credit card is out of the question.

I have had my card for less than a month and already regret the decision to open it. After not using credit cards for over 5 years, I opened one solely for the purpose of business expenses after I changed jobs. I read ratings prior to applying for the card, and it was praised for being a great means in building your credit score. In addition to the ease in building great credit, the 1.5% cash back is what appealed to me the most given the amount of business expenses I incur.

I had my card with them for about 2 months and used less than $70. As of today, I owe them $180. I tried logging into their online site, but to only be denied. I didn't get a statement in the mail to see my transactions or a bill. I had to ask for a statement that cost me $2. I sent in a payment via money order 'cause I don't trust giving out my banking info. They constantly calling my phone starting at 8am and my caller i.d on my call always says... suspected spam. This company needs to be reported to the Federal Gov't..

I have a few Capital One accounts and I was trying to build my credit. I have a Capital One 360 savings and checking account. I also have a Capital One Investing account. I have a Platinum credit card and recently acquired a Quicksilver card. Payments went well until I paid my entire balance down to zero ($486). Then they put a hold on my account. Okay, no problem. I called them and we did a three way conference call to my other bank (Wells Fargo) and got it straightened out. Then without me ever using my card, fraud prevention locked my account the next day. They said I had to verify my identity.

I've been a customer with Capital One for years and never late on my payment. I overpaid my credit card and have a credit in my balance. What they did was sent the refund check with the amount back to me but I never get a check. So I had to call them but they kept on giving me the different day that the check was sent me to and told me that it take up to 10 business day which is ok and then I waited, call back again. This time they told me that it take up to 15 business day, I'm tired of different story every time... This is a big corporation and they somehow can't fix the problem, all they have to do is cancel the check and do a refund to my checking account... I spoke with the senior account her name is Bonnie, she's RUDE!!! As soon as I get my refund... I will NEVER again do any business with capital one ever again.

I paid on my credit card $150 what should have gave me a balance of at least $60. They were credited me $65. My husband tried to use the card and got declined which was very embarrassing. I called in and said I was going to make a payment of $100. They would refund the $65 of late fees. The next day my husband tried to use his card and he got declined. I called. They told me that the card was restricted and that the $65 was revoked, we cannot use the card and they do not know when they can remove the restrictions. They do not inform you or tell you that your card is restricted until you have paid. I am very unsatisfied with them. I called to fix the situation and was informed that it was revoked and we cannot use the card and they do not have a date when we can use it. Granite we paid this with paying rent at the same time. They have no respect for their customers to inform them. I would not use them again.

Please do not sign up with this company. I have paid on time with this company and received an increase. Some fraud happened on my acct, so I call and Patricia with Capital One, Work ID ** told me there was nothing they could do about a fraud on a secured card. They canceled my card and would not even offer to help fix the issue.

Misgendered, dead-named, put on hold for 20+ minutes then disconnected. Called back, third employee wouldn't reconnect me with previous person, had to go over everything two more times all the while being misgendered and dismissed. Ridiculous. They literally have the information in their hands and refuse to update the second account when they updated the first one from the same page.

I purchased some materials from Fairbank Lumber who didn't deliver the items. I asked Capital One to reverse the charges on my credit card as it's an obvious case of fraud from a dodgy company. The Capital One located in Scarborough Ontario is a joke of an operation and the Manager "David" is rude and nasty. Their Complaints division sits next to their ombudsman. There is no chance of a fair resolution to a complaint. These Banksters are only accountable to their profits. When they advertise what's in your wallet. Their only interest is to steal your money. Rotten to the core.

I would like to say that Capital One is the worst company to have a credit card with. I have had a card with them for four years and I decided to requested a credit limit increase. This request was made four days ago. They told me I would have a response within 2 to 3... I had to call them to get them to even give me their response. Found they couldn't tell me over the phone, they had to resend it. When I did get their response I found that they denied me a credit increase. Not because I have horrible credit because I don't I have very good credit being over 750. Not because I make late payments, because I have not made late payments with them and in fact my balance is zero with them with payments being made on time. No...I was denied because they State I don't use my card enough!!! These people are pathetic!!! I suggest you get a card from someone else.

Bad bank. I'm scared I'm going to lose my franchise over them. I've delayed payments twice and it holds money longer than it says it will. It promises it will show a deposit from an outside account through showing the date it will be accepted. Then it doesn't go through. No good. They take forever to process a deposit. I waited for days and days before I could initially buy my franchise due to the money not showing up. I have (2) other banks I use. I was loving the "free" account thing. And it's not worth the headache. Don't get this bank.

Capital One without authorization withdrew for payment over $700.00 from my checking account. They said it will take 5 to 10 business day for a refund. Company had no explanation for withdraw of funds nor offer of immediate resolution. In return payments I made are now coming back with added fees. Never use Capital One.

I have been a Capital One banking customer for a little over 7 years and a Capital One credit card customer for close to 5 years. I have had issues with Capital One banking prior that were usually resolved quickly but never had an issue with credit card services. Today I received a letter in the mail stating my credit card account was closed and discontinue use of the card. I called Capital One to find out why my card was closed, apparently my card was already closed for a week or more and the letter was dated on March 24, 2017. They informed me that my card was closed because my last three payments bounced back even though I later manually went in to pay the accounts before the due date.

Tried their Platinum credit card for a couple months. Based on my experience so far, I will no longer be using it much (except for one tiny purchase each month to help add to my credit). I will use my Chase credit cards instead. Chase seems much more reliable, organized, and appear to have much more competent and better-trained staff. Issues with my experience: Capital One repeatedly took money out of my checking accounts (upon my request, when I made online payments), but was not crediting those payments to my Capital One balance.

I have been with Capital One for several years. I applied for their card to improve my credit. I've always paid my bill in full well before the due date. I called to see if they would waive the annual fee. They said no. Then said "Let's see if we can upgrade you". Then they said no offers available. I mentioned just closing my account since I don't really use it and it's ridiculous to pay for a card I don't use. Did they offer to try to keep me as a loyal customer??? Hell no! Don't give me crap that you care about your loyal customers because clearly you DO NOT!!! All you could say is "Well I'm sorry to lose you as a customer, but you are more than welcome in the future to apply for another card". Are you FREAKING kidding me!!! I WILL NEVER apply for another card from your company. Go fly a freaking kite!!! Your appreciation for your loyal customers SERIOUSLY needs to be reevaluated!!! I don't think it means to you what it means to most companies.

The worst credit card company I ever dealt with. I will not recommend it to anybody unless you would like tell all your contacts (companies you deal with that you are a bad credit manager when you have done anything wrong and you pay your bills on time and keep your card clear of any debt). Their system ** up and you get the bad wrap. With the merchant you dealt even over $ 2.56 charge with eBay. Capital One Mastercard staff is trained to do nothing to satisfy you after they ** up. I have a credit balance instead of money owing and I have decided to disown that card and to go back to my American Express. I really do not want to be insulted anymore.

Capital One stopped my card because of fraud and said "we will send you out a card replacement". Well in about a 3 week and no card. Well that night the lady said she would guarantee I would have a replacement card and it would be express mailed. Still no card. And today March 29, 2017 they said they would send another card. So I told them no more phone calls from me to you and your customers service and a vacuum have a lot in common. They both suck.

My husband recently passed away and I contacted Capital One Visa Credit Card to resolve Estate issues and unexpected fraud on his card. After endlessly trying to resolve such issues, I realized that along with Capital One Visa's rote statement, "First, may I offer you our sincere condolences?" should be, "We no longer want you as a customer!" I mistakenly thought my deceased husband and I would have been considered to be ‘valued’ Capital One Visa clients, having paid our/my bill each month in its entirety – both before and after my husband's recent death. Extenuating circumstances (like death) were irrelevant to them; they canceled my card, his card, and rescinded half of the points that we accumulated together.

I got a Capital One credit card back in 2007 in the amount of $500.00 dollars. I only used the card one time and by 2008 I myself, my mother and father had paid the capital one credit card off, and I asked for them several time to shut said card off and they refused and keep charging me and my parents and I kept paying even though the account was paid in full and it was unfair that they wouldn't shut the card off per my request of asking several time and still charging me. They've went as far as putting it on my credit report and I no longer owe them. They finally shut my card off in 2009 after being asked several times, but the account is still open.

I recently called Capital One concerning a credit increase that I was told I would get being on the supposed "credit step program". I was just told that I had 2 late payments and that was their ** reason why I was removed from this program. I ask the customer service rep to review my account, that person got back on the phone and said that my account show that I was never late but they have no way of changing it but if I waited until Sept. I could apply for another increase.

I recently got approved for a Capital One Secured card and I was browsing on their website when I came across CreditWise. Naturally, I got interested because it said the credit monitoring service is FREE even if you weren't a card holder. So I signed up and after surpassing verifying all of my personal information, behold my credit profile populated. I had Credit Karma on the next tab to compare and everything was virtually identical. I know that these sites only use TransUnion Vantage Score to determine your "credit score" but it still gives me an idea of where I am at. I am very pleased with this service and I am looking forward to the next update since paying down my credit card balance to lower my utilization rate!

After 14 years of owning a Capital One credit card. I had to dispute some charges when I used the card to pay the ransom fee to a crooked dealership to get my truck out of their shop after they just almost emptied my pockets and closed down my business. I'm a owner operator and my 18 wheel truck is my livelihood for living. I'm not accustom to disputing charges and was relying on Capital One dispute service to help and guide me through the process. LET ME TELL ALL WHO READ THIS. DON'T WASTE YOUR TIME. If you want to be patronized, lied to, frustrated to know end for 2 months straight of jumping through hoops and being treated like a circus act then be my guest. The chances for you to get satisfaction by this department is .000001%. Need I say more.

Opened Kohl's account this past summer, Capital One is Kohl's creditor. Received letter a couple months ago from Mike **, Capital One Executive Office, informing me they were closing this Capital One credit card account. Reason: "We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes." Had a balance of $580 from household purchases, don't know what was wrong with expectations for usage. Called Kohl's, said they would call back, never did. Wasn't going to charge anymore at Kohl's anyway, so didn't think much about it.

I have always paid the loan amount and additional amount. I also make two payments a month. The loan payment amount is only 191.98. I will always pay 200.00 plus I will pay the additional 50.00 to 70.00 to cover whatever % interest that has accumulated for both payments. So in short I am paying a minimum of 500.00 a month on a loan with a payment of 191.00 a month. However, the non-transparent loan will keep you from seeing how the payment is distributed. This is a red flag. Books are not a new thing and payment statements are not new, therefore there should be no issue in transparent loan payment documentation. I would say a financial industry that does not have full disclosure is in need of a audit. No bank is too big as Wells Fargo and FINRA. That is my next avenue.

In 2016, I had fraud charges on my cc. After days of this person making these charges, it maxed out my cc. I had to let Capital One know about the fraud charges because they did not catch it until my card was maxed out. The charges negatively impacted my credit score, but they assured me that once the investigation is resolved, that my credit would be fine. They resolved the investigation, but my credit did not recover. Now, over 8 months later, that dispute still places a flag on my credit and I was made aware of this when I tried to refinance my home. Capital One told me they need to file a new dispute to get rid of the old one. Seriously? After months of dealing with this, I finally just cancelled my card because Capital One obviously doesn't provide any kind of protection for their customers.

If I could rate them negative stars I would. I had a zero percent interest rate on my Capital One credit card, and had my account set for automatic payments to be withdrawn on the 20th of each month. In December, I lost my checkbook and had to cancel that account, as well as open a new one. While this happened, Capital One issued the automatic payment to my old account and the funds were rejected even though my bank assured me that recurring payments would still go through. Two days later, I went online to make a payment that would cover my tuition cost. The information available online indicated that the minimum payment posted for that month and no messages or notifications were issued to me regarding the funds that were rejected. At that time, I also changed the information for my automatic payment account.

I have been a Capital One cc holder for at least 7 years and up until now everything was fine. I generally don't carry a balance so I am actively making my monthly payments on time and I pay in full. Since we got the card we have paid out of one specific bank, but about 8 months ago we started using a new bank account to pay. By default Cap One selects the old bank account when making a payment. About 6 months ago I accidentally did not change to the new account when making my payment and of course that caused an issue. I called and followed their instructions to remedy the issue. Well I did it again this month, I realized that I did it again... Long and short, Capital One cancelled my account. I called, spoke to the customer service rep, the supervisor and the manager. Did not matter, they still cancelled my account. Because I failed to select the right bank account in the online banking app. Urghhhh.

As many of the reviews on here, mine is very similar. I had two Capital One accounts since 2014. Both were always paid on time and paid off often throughout my history. I never had one payment returned, or over limit on either one card. This last month, I made full payment to pay off one of the cards, so that I could use the card to purchase 2 International Airline Tickets. I made payment on a Monday.

I had a lot of problems with Capital One 360 before, so that I don't use it for banking business anymore. I have only invested in 5 year CD that has been locked for a high rate. CO 360 has been paid interest on time until today, blaming the storm, and again telling me that it would be paid at the end of the month. As soon as I mentioned my intention of CFPB filing, I was told that it would be paid at the end of the day for sure, and then I was paid right before 12 AM. No other banks pay interest at the end of the day. I have been watching this beguiled bank carefully for so long that it didn't come as a surprise.

The customer service team management team and security team are very rude. I have a bad learning disability and didn't know I couldn't use the Capital One 360 app to cash my cousin's employee check from his job. He had no other way to cash it at that moment and he owed me for cleaning his yard. Well Capital One locked my account, told me to have my cousin cancel check but he wouldn't cause it's a hassle so I had to pay him what was left of the check and no have nothing except funds capital one won't release. I don't know what to do. My mom usually helps me but they refuse to speak to her. I really need my money. It's 200 dollars. I have drs and meds to pay for. I need help please. Thank you.

I had made a payment like usual on my account and almost 5 days later I noticed every time I tried to use my Capital One card it was declined. So I called the company and they said when they tried to get the money from my account it came back insufficient funds, so we called the bank and the payment was schedule for the 21st of the month and come to found out the money was taken out the 23rd and the funds was release. I mistake on Capital One side. Ok fine, next this month, I paid my card in full once again on the 8th and on the 9th the funds was taken from my account. And my Capital one card doesn't show it was paid, doesn't show that a made a payment, anything. So when I called in to find out what was happening they bring up the 23rd payment and try to make it seem like my fault, saying, "We have to contact your bank." I told her, "It's the 11th, the payment was posted the 8th and taken out the 9th, I'm pretty sure you can see it."

A man set up a fake email address, obtained some personal information and established a Capital One credit card in my name in October 2016. I initially mistook this for an account I had requested 5 1/2 years ago and used it for a minor amount. Capital One sent statements to the fake email address, accepted information from this man with no appropriate verification and approved his expenditures of approximately $11,000. Since they never sent the statements to me which showed the purchases I have no idea what he bought or the exact amount. Capital One contacted me saying they suspected fraud. One of his purchases was sent to me in error so I was able to obtain the erroneous email address and the cellphone number for this man. I provided this information to Capital One. I wrote them more than once and indicated I was agreeable to paying the nominal amount I charged.

I got this credit card because I was going abroad-it was recommended to me by many people. There are no charges for international use, and you get miles for the money you spend. The two times I interacted with customer service, the experience was amazing. They were very friendly both times, asked how I was doing and made everything easy to understand. I was able to get everything I needed worked out quickly. I have never worked with such positive customer service! The only problem I have with Capital One is that the website is a little bit difficult to navigate. Other than that, They are Wonderful!

I am frustrated beyond belief with Capital One as a company and their customer service is unacceptable. About three months ago I received a pre-approval invitation in the mail and applied for the card and in transit they continued to send me pre-approvals and I did fill them out believing they, yet have been a type of different credit card. Long story short I ended up holding three MasterCards from Capital one whom approved all three and whom originally sent me all of the invitations. I didn't go out and seek them because I do have poor credit but I am not going to lie of course. I always look for another opportunity to get back on the right track as it applies to my credit. While holding these three cards I have made all my payments and have paid way more than the minimum payments. Of course I am now trying to build my credit and use this new opportunity to my advantage.

I've been a customer of Capital One since 2012 and never was late til last year. I was late two months because I was having some financial difficulties. I called Capital One and ask if they could help me get back on track. The representative said, "Yes we can help and Capital One has a program that can lower your monthly payments and restrict your account until you get back on track." I said, "That's great. Let's start this program." So I've been making my monthly payments on time and lowered my balance significantly and was now my card will be unrestricted.

I opened a secured credit card account with Capital One bank and after more than three months in good standing. One of my credit card payments did not go thru and they ate the secured money. After I made a more than the monthly required payment, closed my account, said I would need to reapply and there was nothing they could do. RIP OFF... I will pay them their freaking 11.00 and call it NEVER call me again. Why would you close an account in good standing? Ate my $500 security deposit and said have a nice day pretty much. So ** You, Capital One... They are a bad. They do not stand for the consumer. They will take your money and keep it. Anyone that applies to get a secured account do not do it with them. This bank is a crook and a rip off. They are nothing but problems. Never again!

I changed my email on my Capital One charge card. Just like Todd's complaint, the Fraud Department called and suspended my account. To reactivate they wanted copies of social security card, driver's license, and a utility bill. No way was I sending them this. I then went to the Capital One branch and we called together. Still said I had to send these things. I cancelled the card. I called and spoke to a fraud manager and asked how I should have changed my email. He could tell me nothing. This is ridiculous. Thanks Verizon. If you had not dropped email service I would not have had this problem.

I had a payment due on my Capital One credit card which was due on the 14th of the month. I made that payment (early) on the 2nd day of the month. Then, when I had a little extra money, I figured I would make my payment (early) for the following month on the 17th. Two payments within 15 days. Well, when I contacted their Customer Service and inquired as to why I was still showing a payment due for the 14th of that following month, they stated that it had been applied to my balance but I had paid it too EARLY so it had not been applied to cover THAT payment.

I have always been skeptical about credit cards but I must say Capital One has been the best credit card company I have always had. The best customer service experience, they have always made any issues I've had right. I highly recommend this card. I have the venture card. I do pay an annual fee for this card but I get 5 times that back just in the rewards I receive. Any credit card has its high interest rates. To avoid this pay your card off monthly. Think about it. You buy food, gas or whatever. Use your card for all your purchases and pay your card off. I love it. Right now I can get $300 free money just using my card for 6 months or get rental cars, hotels, even free airfare.

I have a Capital One credit card that I rarely use. In the last two years I haven't used it at all. I gladly pay the annual fee. My last "statement" went to my junk email folder that only had my annual fee on it. I didn't see it and received a late fee. I gladly paid the late fee and the annual fee. I tried to talk to customer service to ensure that this would not show up on my credit report. I don't have anything negative on my credit report and I wanted it to stay that way. They told me there is nothing they can do and now I have a "late 30 days" on my report. I informed them that I wanted to close my account so they are refunding my annual fee and $17 in rewards. So basically I received a "late payment" on my credit report for money that I'm getting back anyway. They could have continued getting an annual fee from me for doing nothing if they would have just worked with me a little bit. They had no concern about closing my account.

Won't roll over my IRA. I contacted them several times requesting form to roll over IRA. They told me the receiving institution is responsible for the paperwork. The receiving bank sends in the request. Capital One immediately sends me a form to have filled out and submitted. On top of that they charge me $75.00. Run from this bank. They steal your money.

In December you guys notified me that someone opened a credit card with my SS# and DOB. In January I filed a police report to investigate this since I had a pretty good idea who did it. The local police submitted a written request to your fraud department for documents to investigate. The officer was sent enough information to bring in a suspect for questioning and they confessed. He has been waiting over 2 weeks for a copy of the online application the person filled out so he can go arrest this person. I have called your fraud department several times without getting any help. So, my question is what do I need to do to get your fraud department to work with my local police to arrest this person? You say you take fraud seriously, but that has not been my experience.

I have had this card the six months and have paid in full every month from my husband's business account. He called in and played their game. The first month verified get to allow payment. Six months later they froze my account due to fraud suspicion. I told them I not only have used this account from beginning and that it was already obeyed but I use and pay off several times a month. They claim they need approval to unlock my card and at the same time wanted to pay my remaining bill on my card so I went and got a Wells Fargo Account thinking ok they do not need college degrees. Here is a account with only my name and they say they can not use that one. Now this bank is a joke and a headache. Beware.

I've had a Capital One 360 account for quite awhile. My husband, who is a British national, was coming over to the United States as we were getting married and he was to go for citizenship. He saved $1300 and transferred the money into my account. I didn't want any issues with mistaking spending the money so I called and attempted to have another savings only account set up. Pay attention to the fact that my English fiancé was able to transfer money.

Capital One is a terrible company with no regards for customer services. My wife had three credit cards with them and she simply wanted to change her email on her profile update. However when she did so the cards were suspended until she sent them a copy of her driver's license, phone bill, and social security card. When she tried to find out why she had to send these items she was made to feel like a criminal. She ended up sending the requested items and after three days they finally decided to start her review to allow her to change her email. Sad thing is is that I have two credit cards with them and will never use them because of this situation. We will pay her accounts off and also never use the cards again.

I received six fraudulent charges on my card by a company ($1000) using one shipping ticket and charging twice to my card on three different times, by changing shipper name three different times. I called Capital One and wrote letter explaining and showing the shipping tickets were the same etc. CAPITAL ONE DID NOTHING, DID NOT PROTECT ME, DENIED MY CREDIT BACK TO MY CARD. The worst card ever. Do not apply. Do not use. You'll be sorry. Tell Jennifer and her Dad in the commercials to quit ** America.

I have officially opted out of receiving any credit cards offers. If I want a card I will contact the company I choose. Capital One continues to send me invites about twice a month! I read their paperwork and it has a way to stop their offers. So I call the number and it wants my name, address, etc. Then it asks for my Social Security Number. Wait... they don't need that to stop mailing me their card offers. They are trying to trick me into applying for a card! Scammers! Wonder how many people fall for that?

Simply put... HATE IT! Hate that I even applied for an unsecured credit card with these crooks. They are the worse... literally. The fees? OH MY FREAKIN' GOODNESS... OUTRAGEOUS! If you do not pay off the whole balance each month (because PLEASE don't leave a lingering balance) you'll only be paying towards the fee itself and not the principal. I can't wait to pay off this balance that I owe so that I can permanently shut their behinds down. I'm sick of them to the utmost because they are a highway-robbery type of credit card to have. DON'T APPLY WITH THESE PEOPLE/COMPANY!... unless you love only paying toward that never-gonna-go-away fee each and every month that's tacked on. You've been warned.

My problem started in 2014 after attending a Real Estate seminar guru named Armando Montelongo. I had a great credit score, life was going my way until 2014 after joining Armando Montelongo Real Estate course my life went downhill fast. The promise from AM seminar They promised within 90 days we would be doing a house flip and the money would pay off the credit cards and all other money I used to enroll in the course and that they would send a mentor to my area for 3 days to do that flip, the course cost me my life savings to the tune of almost $50,000.00. They said, "Call your credit card companies if you don't have enough money to join and ask for a credit increase," so I did. It's 2017 and NO HOUSE FLIP, so I'm out $50,000.00 and ruined credit. I Called Capital One asking them to help me go after this scam artist.

I had a terrible bad experience when I want to close my account in Capital One. I went to branch and the branch guy took over 30 minutes to contact their back-end office for releasing my account. Then the back-end office guy asked to fax a document to them. I did it immediately. But I could not go through that number again. Each time it will take at least 30 minutes to go through that number. After two weeks, I went to the same branch again and they said that they did not receive my faxed document. So I faxed again but after I called that number, the back-end office guy said it was not the document they want and asked me to call back on next Tuesday. What ** of this kind service is!!! I totally lost patience to this bank and I suggest you guys never open account at this trash bank.

I was recently scammed by MICROSOFT IT SUPPORT LLC. I contacted CAPITAL ONE within two hrs after scam occurred. Telling CAP ONE it was not a legit company. So they reversed the charges at first. I received a letter saying that if I wanted to open a dispute I could. So I went to Bank of America, stating that, MICROSOFT IT SUPPORT LLC, was in fact a scam. I sent 19 pages of documents stating how they are a scam. I just received a letter. From CAPITAL ONE. Saying that they're not approving my documents and that I have to pay for the scam. My boyfriend tried putting the charge on his Bank of America card. But they didn't accept it because they knew it was a scam. I explained all of this to CAP ONE. I said why didn't CAP ONE realize this? I have been with CAP ONE for 18+years. My credit score is over 800. This is tragic to me. And CAP ONE does not care!!!

Capital One does a lot of false advertising!!! I just discovered that Capital One have charged a member fee amount for my platinum credit card. If you go to their website you will see that $0 fee is advertised. However, do not get fooled. In the terms and conditions there is a fee and without notice you will get enrolled in a credit card with no benefits and on top of that you will be paying a fee!!! I will definitively fill a complaint in the BBB.

While I am happy they finally credited my account, I am not happy with their response. Specifically about how they did not have the business - getaroom.Com - refund this. My 5 year old son was bitten head to toe by bedbugs. I have to use a cane to walk and in my dress clothes I had to sit on a dirty sidewalk every time I returned to my hotel room. We had to pay another vacation for my sons birthday after he recovered. We lost our tickets staying up all night opening and closing the door to have ac in hot humid weather with asthma. I could not get on the internet and I could not shower for a week because there was no handicapped shower. The waterpark was not open normal hours. Capital One needs to get a new legal department from USA as I did call an attorney. Get a room cannot refuse to refund when they made absolute fraudulent representation about a hotel that was not even habitable for farm animals. 3 star hotel my **!

I am traveling in Africa from the States. Lost my wallet due to my being stupid in Joburg. ALL MY FAULT NO QUESTION. I have a credit card and a separate debit card with Capital. The day I lost the cards I called them up.. I have no phone and use skype and notified them... then the problems began. They wanted to send new cards to the States... I was in Joburg headed for Cape Town so I wanted cards sent there. They could not comprehend what was going on and made me jump through hoops to even send the cards out. I answered more questions than you can believe and passed every test they threw at me.

I had applied for a credit card with very good credit score, well it won't happen with this company! I was denied... Not sure how because I read what you need to have to qualify and I was in those limits. I have other credit cards with very good limits and never have issues and these guys (CAPITAL ONE). They preach online, commercial ads, emails, and whatever else for advertisement spending billions of dollars telling everyone how important it is to HAVE your credit report and to apply for their best card. How can you when they only cares to the rich and wealthy? How can you apply when there is false advertisement on the website and they are proud to do this? You will approved in 60 SECONDS. This bank needs to have a large surprise audit done. It's okay Capital One. Enjoy sleeping around. I'll build my credit with some other company and never use you again!!!! If possible I will give you "0" STARS.

After our account being delinquent, Capital One had placed us on a 3 month hiatus, and earlier this week we received an email letting us know our charging privileges had been reinstated. A few days later we attempted to use the card with no luck, and we're confused as to why this happened. Around 9pm we called Customer Service (love that they always have someone available 24 hrs!).

I been a Capital One customer for almost 4 years now and have a credit limit of $25k+. I have ALWAYS made my payment on time with no issues, but one day my card was declined and I called in to see why and was told my account was restricted. They told me they made a business decision to closed my account due to "expenses not within their guidelines". I ask "what transactions are they referring to?" I use my credit card to pay bills, grocery, gas, etc. The rep said he could not give me an exact answer on the specific transaction but the company made this decision and it's final and could not be change.

Capital One is allowing accounts to be open without proper information. I do not have any accounts with this institution nor will I ever. This is troubling as I am in the process of refinancing my house and the lack of due care and due diligence from Capital One is causing me problems. I have credit and personal monitoring and about every two-three months Capital One allows a new account which requires me to contact them and my real financial institutions to resolve the fraudulent account. Capital One will open accounts with minimal information.

So I called Capital One to make a payment for the full balance on the card. The guy named Zach informed me that he was recording our conversation and that the full amount would be taken from my checking account leaving a zero balance and no interest would be charged for paying within 30 days. A week later I called capital one just to be told that Zach had only withdrew the minimum payment; leaving me with all the interest... I do believe it was all intentionally done just to make more money for Capital One... Very upsetting. Will not use capital one card again.

Capital One has been a nightmare for years, I have been encouraged by family to not close my account because it is the longest standing account I have. SO I paid it to $0 and just left it opened. I was recently contacted by them and offered 0% interest for 12 months on new purchases so I gave them another shot. They honored the no interest for ONE month then hiked it to 24.9%. When I spoke to them they said there was never a 0% offer extended to me. And couldn't explain anything even though clearly it was honored for a month. I was told it was my word against theirs (AGAIN) and that there was nothing they could do.

Capital One is the biggest con artists around. They charge you for fees that go against their own rules. The cutoff time for deposits is 9:00PM daily. These ** will charge you overdraft fees when you put the money through the ATM before the 9PM cutoff time. Even though your receipt shows the money is available and current as a positive balance, these con artists will play games and deliberately manipulate the deposit times online to purposely show you overdrafted your account. Have 3 ATM receipts that show prior to 9PM I had a positive balance, put money in the account before 9PM cash to cover a negative balance. These ** charged me $70 for 2 overdrafts charges claiming I had no money in the account and yet I was able to withdraw funds directly off the same account that so called had the negative balance.

I have been a customer with Capital One for over 12 years. In November 2016 and December 2016 I noticed payments not charged being made to my accounts. The totals were several hundred dollars and I only owed under 100 dollars on watch one. This was not anything that I had done so I disputed the payments. I first called Capital One and they said there was nothing they could reverse. "Please talk to your bank". So I did and within 24 hrs my charges were credited to my checking account because I did not authorize them and these payments were then marked as disputed and returned due to fraudulent activity.

I opened a checking account with Capital One bank and the next day they decided to do an internal review and close the account and not give me back the money I deposited. They gave me some lame excuses of why they decided to continue the banking relationship. They are a bad bank. They will take your money and keep it. Anyone that applies to get a checking account do you not do it. This bank is a crook and a rip off. They are nothing but problems. Now my fiancé and I have lost $40 and have to pay a $25 fee to put a stop payment on a check because they couldn't deny the account in the first place.

I've had this card 2 years with no issues. Last month I saw a membership fee and was confused, because I know I have a $0 annual fee, one of the reasons I chose the card. I didn't do anything at the time, but checked it today and found that my feeling was correct, that there was no fee and is stated specifically with no asterisk or superscript next to it, no fine print. So I call and speak to a representative and she tells me that there is a membership fee and she can waive it once, but never again. I said, "no, there is no annual fee, I don't ever want it appearing on the bill." She got hostility with me telling me that's the way it is and I will be charged here on out. She put me on hold and while waiting I doubted myself on the no asterisk or fine print so I hung up, went over my papers again and verified I was right, again.

I loved Capital One and have an account with them for many years. All customer service that I spoke to by phone or in person are outstanding service. They help me a lot in my financially and very dependable company for me. The Banker at Carrollton, Old Denton Road are very nice people and helpful. Thomas and Obaldos. The environment is very nice and clean and no too much line once you go inside the bank. I love the service and last week Saturday someone help me and gave me a credit of over $200. Wow. That never expect. Thank you so much. I forgot his name but this Banker worked at Carrollton Old Denton. Even I called 800 number all are very helpful to help me to resolve any issue. For me Capital One is the best bank I ever have in my life and it's a blessing to be partner with you. Thank you for taking care my account and very satisfied with your service.

I'm so disheartened by this complaint. I have had this account for almost two years now NEVER NOT ONCE been late on a payment. I opened this account to rebuild my credit and now this company has takened that away from me. I decided to pay off my remaining balance of $530 and made a payment through my bank account giving them my route number and account number. They ran payment and it went through. Two days later I checked to make sure payment was processed and it says my payment was returned. I immediately called to find out why my payment was returned. The representative told me my bank account was invalid. I said let's double check to make sure my bank account number is correct. It wasn't it was off by ONE number so we corrected it and gave them the corrected account number and processed payment again.

I called Capital One to send an additional card for my son. A card was sent but the same time a fraud case was opened on an account. 4 phone calls, 4 types of documents were uploaded from my side to prove that I am what I am. After 14 days more requirements to prove my identity. Not in USA currently but working on contract in China. All my requests to communicate over e-mail were ignored. All documents what are eligible for the rest of world not good enough for Capital One. If you try to make a purchase outside of USA be prepared to deal with fraud case and spend hours to deal with them to prove that you are what you are. They are asking you to provide you all info about your travels outside of USA and in additional time could not exceed 30 days. WTF?!!

I have been a Capital One customer for probably about 10 years now. The interest rate has spiked up to 23.15% (CRAZY). My minimum payments hardly took anything off the principal of the card; so I called to see if I could get a better interest rate (after years and years of paying this amount). And they were not willing to work with me at all. I got automated messages on the online chat saying "Sorry, nothing is offered at this time." When I told them I will likely change carriers to a bank with lower interest rates they said "I will be right with you." I waited about 4 minutes and received a message saying "I haven't heard from you in a few minutes, are you still with me?" What the heck?? I played around with automated messages for quite some time before I closed the chat, and now seeking a new credit card carrier. Terrible customer service!

I was required to make a $500 secured deposit to get a mastercard. After using this card for a while they told me that my payment record is good and I am ok to upgrade to a non secured visa card. After trying to return/Refund my $500 deposit for 2 years now, they can not find it. How come they can report us for a bad credit to trans union etc. But we can not do anything to them? Anyone???

I was really excited to get the venture card after all the great buzz about it. When it arrived I went to activate it and was surprised to see that there was ALREADY a fraud issue (although nobody ever told me what it actually was, and the card had obviously never been used by myself or anybody else). I was on the phone with a customer service rep who asked me to upload a photo of my drivers license and email it to them, so I did. I heard nothing from them for weeks until I got a bill for my un-activated card. I called again and spoke with a very rude woman who said that she wanted me to now email a picture of the front and back of my drivers license and social security card. She still would not tell me why they were making it so difficult to activate, and also would not tell me why they hadn't contacted me regarding the issue for over a month now.

I got a phishing scam in my inbox from someone with a disposable gmail address claiming to be Capital One. Clearly the goal was to sign into his fake site so he could get my credentials and clean me out. Fortunately, not only am I smart enough to see this coming from a mile away, but I don't even have a Capital One account. So, as you do when you get phishing scam Emails, I contacted Capital One per the instructions on their website. Of course, the address they tell you to send fraud reports to is dead. Called the call centre, didn't care. Emailed the CEO himself. He fake bounced my Email back. How do I know he received it and fake bounced it? Because I can tell the difference between a real bounce and a fake one.

I had applied for a card to help my credit score to possibly get a house one day, well it won't happen with this company! I was denied... Not sure how because I read what you need to have to qualify and I was in those limits. They preach online, commercial ads, emails, and whatever else for advertisement spending billions of dollars telling everyone how important it is to check your credit report and to apply for their best card. How can you when they only cater to the rich and wealthy? How can you apply when there is false advertisement on the website and they are proud to do this? This bank needs to have a large surprise audit done but we all know this company is sleeping with the federal government so they will just get away with it. It's okay Capital One. Enjoy sleeping around. I'll build my credit with some other company and never use you again like you use the federal government!!!

Capital One bank recently bought out Maurice's Credit card owned by Comenity Bank. While with Comenity Bank I made all payments online and was enrolled in paperless statements. Capital One bought and switched over from Comenity on December 28th. I only found this information after logging into my online account to make a payment and the website was closed with a message reading "Capital One has bought out Comenity and you will receive a new card with new payment information in the mail". I have yet to receive anything by email or by paper mail and just received a phone call from them to collect a payment that was due and a late fee had been added.

Writing this review to report how crappy the customer service is at Capital One and how unfriendly the website/online agents are. I was reviewing my account and saw that a disputed amount that I filed a dispute for was re-billed to my account. Tried to access or respond to the merchant's response, but the Capital One site do not provide that opportunity to their customers. Accessed the online account specialist s/w Selena and then passed on to Paul, both of whom were not very helpful and after writing back and forth about my issue, I was asked to call the dispute #, which could have saved me some characters/time, if I was just told that from the beginning. Called the dispute#, s/w Len who obviously needed more training and cannot understand correct English or how to answer a customer's question effectively.

I am dissatisfied with Capital One and their customer service in dealing with fraud. A payment was made out of my checking account to a Capital One account using their automated phone system. When I called to report it, they told me they could not research the issue and I had to take it to my bank. I talked with 3 different customer service reps and a Supervisor and they pushed me off to my bank. But they were very quick to let me know that I had a payment due in 4 days. Never have I had a credit card company tell me that they had no way to research my issue, especially when I had the date, amount and 16-digit code used when the payment was made. It was like they got their money, so who cares where it came from.

I have tried to get into my credit card account, electronically. However, when I try to do so, Capital One says they need to verify that the account is really me, and promise to send a 6 digit code to my email. The code never arrives, so I cannot get into my account, electronically. I have called them several times, asking for help. The last call, they promised that the problem would be solved. However, now when I log into my account electronically, they only say they will deliver the 6 digit code to my cell number. My cell number is in Italy, and their system will not take this cell number. I have contacted Capital One over the last 2 weeks, with this complaint, and nothing has been done to solve the problem. In fact it has become worse. What can I do to get Capital One to solve this problem. Could you help me out here. I am at my wit's end. In advance, thank you for your help with this problem. I look forward to hearing from you soon.

Capital One Credit Card - I tried to arrange travel through their site. I booked a trip. I wanted to make one change to one leg of the trip, which I couldn't do online, so I called within 24 hours of booking. They were closed after 7 pm PST so I could not reach anyone. I tried 3 different phone numbers. Monday was Martin Luther King day. I didn't have time to call until after hours again so I called the next day. They said they could not help me because I was after the 24 hour change window or waive the fees. IF I had called on Monday, they could have helped me.

I've told this company numerous times that I was having a problem. I've always pay my bill because one I just got the card I've paying my bill and the payment always got screwed up. I finally get the payment to go through and to find out they cancel my account. WTF!

I have been with Capital One for about 4 years and have never had a problem till now. All of a sudden last week both my accounts were closed without any warning or explanation. I had just paid off one of my cards the day before and was planning on using that card for household expenses. When I call customer service the first time I got a very rude representative. The next call I spoke to a supervisor who informed me that the reason my account was closed was because of a returned payment on December 28th.

I had this account opened with a merchant that I RARELY used but ALWAYS did my payments on time. I moved my residence in 2015 end and MADE SURE that I updated it in my online credit card profile. I got my account closed early 2016 and even called the company to confirm that it was closed. Everything was fine UNTIL ONE DAY when I applied for a mortgage, and TURNS OUT it's affecting my credit score, according to my profile, the payment was late by 120 days so ACCOUNT WAS CLOSED BY CREDITOR?? When I called Capital One to ask about this, the agent mentioned that A FEW CENTS WERE PENDING???

Associates working in physical branches are educated to either (1) tell people that there is no limit to mobile check deposits when you open a business account, or (2) tell people that they can initially mobile deposit up to $10,000 on a 30 day rolling average into your business account. I was told number "1" when I went to open a business account. After opening an account and depositing approximately 8500 in checks that day, I was unable to mobile deposit a $7000 check or even a 3200 check to pay my employees approx 30 days later. I was out of town on the west coast and had no physical Capital One bank to go to deposit my funds. We could not pay employees before the holidays! Thanks Capital One!

My experience with Capital One was great until I had to file a dispute after being ripped off by a 3rd party travel Agency. The people in Capital One dispute department mislead me and also lied to me several times. They are unorganized and in the end it appeared to me that they were on the side of the merchant which is unfortunate. I submitted all of the documentation they requested which showed that I had clearly been defrauded by this company. They didn't even read through it or submit it. Every time I spoke with someone in their dispute department they would tell me something that completely contradicted what the last person told me. Words cannot describe my level of frustration.

I am currently going through a divorce and am going through my accounts to make sure everything is in good standing. My ex-wife was managing this account before and I was surprised to find out when I called that it was delinquent. They said, “No problem... Make this payment and call back in the morning after the payment has posted and we can issue you a new card (Because I wanted to cancel the card my wife had and get a new one).” So I did. Then I went online and found out they had just quoted me the minimum payment and I saw that there was a higher balance on the account. So I paid the remainder off. Then I called back this morning and they informed me that the previous person had lied to me in order to receive a payment and that they cannot in fact issue me a new card and that I now have an open account with a zero balance that I can no longer charge to...

I have had a Master Card for many years from my union, which has been serviced by other banks, but is now with Capital One. They have issued several fraud alerts, usually on small purchases, which really makes no sense. The latest is a $43 charge for a Fresh Direct delivery, something I do almost every week! Why should that trigger a fraud alert? This has happened other times and I have spoken with their customer service, but I'm now going to gradually discontinue my use of this card. The time it takes to straighten out a fraud alert is not worth it. And I have other cards that never do this. (They say it's for my protection, but it's really for theirs!)

I opened a checking account with Capital One and everything seemed fine. Then I direct deposited money from PayPal to fund the account. When I checked to see whether the money had been deposited, Capital One told me that there was a problem with my account. It had been unilaterally closed. No one could explain why. And the money I deposited? Capital One claims to have no record of it. They are "investigating" to see what has happened. No one should do business with Capital One ever. PayPal tells me I will simply have to be patient.

Joy to visit this bank. Not sterile and informal. Sign in you will be seen promptly. They even ask if you want fresh coffee. These people understand that good customer service is everything and give their all to any problems or concerns. It doesn't matter how minute it is ie. setting up online account, explaining bank statement, etc. Whether it's a pro or con result from my visits I still feel like I am a VALUED CUSTOMER.

I had a merchant who kept making monthly charges to my Capital One credit card, after I told them to stop because I was no longer a member. I asked Capital One to stop accepting their charges, but they refused to step in to help, and allowed the merchant to keep making these charges to my credit card. At the time I had acquired quite a bit of travel credit, so I am guessing they didn't feel like they need to help me because they had me trapped with the travel credit. If I closed my account I would lose my travel credits. This company is a scam.

When charges appeared on my credit card that were clearly not charged by me, I reported this to Capital One and the charges were removed and the card cancelled. This happened in October 2016. In December 2016 the charges were reapplied to my card! The paperwork stated that the merchants verified that the products were sent. I called Capital One to report that on the paperwork sent to me the three separate charged items went to three different addresses (in other states not mine), had three different email addresses and had different credit card numbers! Yes, the credit card numbers to which these items were charged do not even match my cancelled card number! This has been so frustrating that I am ready to turn it over to an attorney.

I have been with Capital One for at least two years. I have not missed a payment on my card until 2016, my financial situation put me in a bind. My daughter was almost kicked out of her home, and I need to help her. I could not make any of my payment on the regular basis. I put a deposit on this card of 500.00, so I could build my credit rating. When they closed my account they sent me a letter telling me I owe 501.00.

I'm writing today due to the full disgust with the customer service provided by Capital One bank. I have a business checking account with them and a business credit card. I also have my personal accounts with them. I wanted to merge my business checking account and business credit card together so I can manage these accounts from one login. The representatives that I spoke with kept putting me on hold and transferring me from one department to another until finally one told me that I can merge my account by linking them. I didn't get her name but I told that I did not want to see any of my business accounts on my personal login. She assured me that it would be as I wanted and as soon as I clicked on the tab to merge I lost my old login for my personal accounts and got a login for the business credit card instead. This I was told couldn't be undone because I as the customer initiated the change!!! This is the madness that happens with this bank.

I was traveling in Florida, 900 miles from home. I got one fraud alert a few days ago because I had been making some contributions to charity... and I had just started using my new VPN provider. Cap One called me and we were able to resolve the issue quickly. I told the rep that I was in Florida and working behind a VPN. But two days later another fraud alert after I had made two purchases in two separate stores in Florida. I called again to fix the alert. It took me ONE WHOLE HOUR to fix it because Cap One's staff would only accept the last four of my social sec nor (it is against federal law to use the number for identification), would put me on interminable hold, would not call me back so as to minimize the hold.

I have been a Capital One customer since 2002. I don't use this card because of the extremely low limit. I asked to increase it and they can't until I use if for 5 month straight. Asinine methodology because it's hard to use when your limit is low. Will be closing it and I will use my Amex Platinum. Capital One, big mistake!

My colleague and I went to Poland and rented an apartment three days before we were to go on a tour. The property manager gave us the codes to get in the apartment. All different codes. We were both Flight Attendants so we know about safety! She put an alarm on the door. The second night of our visit the alarm went off at 4:30 am and what did I see when I jumped up but a strange man in our room!!! My colleague scream at him "to get out of here" and he was shocked by the noise of the alarmed and backed out. We immediately called the property manager and she and her husband came over at 5 am to change the locks immediately.

All of a sudden my card was closed yesterday without any warning. I've been a loyal customer for 3+ years. Always pay card on time, in full and never even leave any balance on the card. This card has higher limit ($25k) so I use it on everything, shopping, grocery, travel... I never miss payment, never default, use minimal (around $2k/month for living expenses, and more when I travel). And without warning they simply closed it permanently along with another Capital One card that I had but haven't been using. I will never apply for Capital One card again. Not worth the trouble and the embarrassment when your card decline trying to spend $20 at Kroger.

Shame on Capital One!!! Beware customers if you lose your job or have financial hardships within your household!!! I have 3 credit card accounts with them. I fell behind in payments on 2 cards due to my husband being out of work about 8 months and I made payment plans with both accounts. However couldn't make payment on time for one of the credit card plan and they closed the account with NOTHING IN WRITING AND NO PHONE CALL TO DISCUSS THE SITUATION!!! There are people all over the world having financial difficulties Capital One. Be more compassionate with helping your customers. If it wasn't for us you would have no business!!! Very disappointing in all communication from your end!

I am having issues applying for a credit card. I keep getting the reason that I have too many accounts. I called Capital One and had to be transferred three times as no one was able to assist me with my issue. I then learn with the fourth person I spoke to, that the account that I HAD has been cancelled over a year ago. So if I dont even have an account... how can I have too many to apply for a new card???

Just received our November card statement and found two charges of unknown sources. One for $1000 and another a few days later for $6000. I called Capital One to report this and the guy said there was another charge not showing on the statement for $20,000! I have this account preferences set for email alert whenever I use it. If I use it for gas I usually get an email in seconds. My balance is almost always under $1000 but never received a phone call or email alert on these charges. You think that they would have thought something was odd with a $20,000 overseas charge?? They told me the charges were being taken off and the card closed. I don't plan to use one again. They want a cashless society - good luck with that.

After over 10 years with Capital One with an excellent credit rating and never late - our card was terminated. The "reason" was past, present or pending litigation. We have never - not now - and have no pending litigation against us! We were instructed to go to our local courthouse and check with them. Nothing! We are 65 and 67 years old - never been in trouble - my husband is former military with a high security clearance - I think we would have known if we were ever or are currently being sued! We were not allowed to speak to anyone as it was a final decision made by the company attorneys and we were told that they do not make mistakes. Obviously they had us mixed up with someone else! We have since moved on to a much better credit card company but I wanted to warn anyone considering Capital One that you could be inconveniently dropped without warning for a vague unexplained reason.

If you ever have a dispute with a merchant, Capital One will not only not assist you, they will actively mislead and lie to you as to the status and resolution. We were defrauded by a Travel Agency, for over $6,000; the fraud was in writing and clearly evident. Yet, Capital One did not protect its customers and transferred the $6,000 to the merchant despite our timely protest. When push comes to shove, Capital One will screw its own customers.

I phoned in to report 2 disputes. One being a fraudulent charge for an item which was never received. 45 days later I discover that they lost the details on one of the disputes and we start all over again with potentially up to 90 days to resolve!!! Incompetence! Oh and when I first reported the disputes they also spent the first 45 minutes trying to convince me that I'd probably done something wrong on the vendor's website and that it was all my fault. The fact that no item was received was obviously too complicated for them to grasp. Useless. Can't wait for this to be resolved so that I can cancel this card and get it OUT OF MY WALLET.

This company cancelled my credit card I had for over 5 years due to suspected fraud. I used my 2 checking acct make payments and they were verified with the bank. They did the exact same thing to my husband. It's other companies out there and I will not be using this company again. The people are rude and don't know what they are doing.

92 year old widow who does not drive or travel approved for card, received card and cannot get activated because she does not have a license to drive or passport. Contacted by the most rude people who fail to accept the fact that member of the silent generation are too old to drive or travel and that some never have. Capital One gets a major FAIL for her treatment.

I have been a loyal Cap1 customer for many years. Both a credit card and auto-loan customer. Recently I made a payment on my credit card using the Cap1 app on my mobile device. Unfortunately, on accident I selected an old/closed checking account that was saved in the app. I attempted it twice before I realized I was using the old account. Both payments were returned to Cap1 with an error saying that the bank account was closed. Once I realized this, I immediately called to make payment with the correct account only to find out that they closed my card and there was no way to re-open! I was never notified via phone, through the app or by any other means that there was a problem with my payment. I would have immediately taken care of the situation had I been aware. I am very disappointed and will be making it a priority to tell people about this terrible experience!

My credit card was charged $600 on November 28th 2016 without my permission. I called Capital One and complained about this charge on Dec 1 2016 when I saw the charge on my statement. The agent was refusing to reverse the charges and put me on to the fraud department. I spoke with the agent and explained to him that this company does not have my authorization to charge my card. He told me that if I gave the card my credit card to them over the phone they can charge me as many times as they want and whatever amounts they feel like. I told him to cancel my card immediately. He told me that he was canceled my card and issued me new cards. He informed me that the old cards no longer worked.

BEWARE!!! Today, 12/15/2016, my Capital One credit card account was cancelled without warning and left me stranded out-of-town without a credit card!!! At first I thought that my card was denied because I forgot to notify them that I was on travel. However, when I called customer service, they told me that my Capital One made a business decision to terminate my account and it is irreversible. I was shocked and asked them why the account was closed as I always paid my bill on time and in full, but they can only vaguely tell me that my spending activities was outside of their expectation for a personal account! Having been a Capital One banking customer for nearly 30 years, needless to say I was angry and will look for another bank as soon as I get back in town.

I was locked out of my account due to too many incorrect passwords so I called the number to unlock it. First off they treat you as a thief trying to break into someone's account instead of a person who is trying to recover and or fix your account. I got asked my phone number at least 7 times. Even though they had it on caller ID as a rep confirmed for me. I was on the phone for over 50 minutes maybe longer, I stopped the rep at some point to say "do you not believe that I am who I say I am trying to access my account? Would you like my social security number to verify." She then asked for my email and my birth date.

I was approved for a top credit with Capital One however I had to send in my prepaid light bill as ID and driver license. After going through all of this they said it was not enough. It was like once they saw I was ** they did everything they could not to activate the card yet they are still sending me preapproved letters every week. So if am not who I say am why are they still sending me offers. Please don't get a Capital One card. The people are rude and they will just keeping asking you for all this information but they are not going to approved you once they see your ID.

I am totally, totally disappointed with this card company. I was blindly mislead and taken for a ride of my life. I had no idea the interest rate would be so high and unreasonable, especially for someone trying to rebuild credit. This company is crude and uncaring about people. I am paying almost double my monthly payment. Nothing they can do about it. (Sorry) they said... Lesson learned... Never again will I trust that companies want to help people. Just their business only... Signed. Disgusted!

I have been a customer with Capital One for many years. On 12/10/16, I submitted my monthly credit card payment using their website for $163.00. I received the confirmation number and documented it in my records. The payment posted to Capital One on 12/11/16. I checked my bank balance on 12/12/16 to find I had a balance of 0.00 in checking! I checked my account to see which transactions had cleared, only to see that Capital One had debited my account for $5,980.03 instead of the $163.00 I authorized!

I finally had to destroy this card after over 10 years being a member of Capital One. It is impossible to travel internationally with it. Capital One set me a card with a chip embedded in it, telling me that no travel alerts need to be made. Last year, I had the same trouble, so I set a travel date anyway, just in case. That didn't work either. I made a purchase for a ticket back to the USA, it was declined, for no reason. China Air is not a small company, yet it was declined, I was stuck at the airport for a day because of Capital One. It has happened before several times. I called the phone number on the back of the card. It's almost impossible to make a collect call in China, so I made a toll call to their fraud department to clear this up. But, I couldn't, I had to listen to their recording for at least 10 minutes, each time, for hours. They said it was a direct number, another lie.

I got approved for a Capital One card. When I tried to activate the card it said fraudulent activity suspected on the card. How's that possible when my card was never activated. I FAX them my social security number, driver license, proof of address. They still didn't remove the false hold on my card... I'm tell you people don't get this card. Just because this happen to you, that doesn't mean it won't. This is uncalled for. Orchard Bank needs to get their money back from Capital One. I hate they sold out to them.

I had a credit card open and current for over ten years. I paid the card off and forgot about it. The card represented my oldest credit history. Because I hadn't used the card in 18 months they closed the card. No phone call, no letter of notification, nothing. I'm in the process of qualifying for a home loan. Closing my longest standing card dropped my score significantly.

I called Capital One to see if I could get a $39.00 Annual Fee waived. An associate informed me last year that due to my excellent payment history (Never Late and always paid in full) and the length of time that I have been a customer (11 years) that I should be able to get it waived going forward but that they didn't have a card for me that didn't have an Annual Fee. I called and I was told that they couldn't waive the fee, that even though I have a great credit score and excellent payment history and have been with them 11 years the fee would still apply. Capital One is the only card I have with a fee and the lowest credit line but I kept them because I had them for a long time. I asked to close the account and they were quick to close it. They truly DO NOT care about their customers. I will never open another Capital One credit card again and I certainly would NOT recommend them to anyone.

Got a Capital One Credit Card to use only for one recurring item. After reading about the different accounts Capital One offers, I decided to open a savings account (September 22) and checking (November 17) - to put some cash into periodically to facilitate making payments on the credit card. I received checks in the mail. I received a debit card in the mail. On November 28, I received an email stating that my account was closed and funds would go to the account I had automatic funds transferred from. After speaking to an agent on the phone, she said it was closed because I had not responded to a 'verification letter' mailed to me dated November 21. I never received it. Shredded the checks and debit card because the account could not be reinstated once closed.

I think it's been almost 3 or 4 months since I opened and used my Capital One 360 checking account. My personal information especially my SSN that I gave them was true. My SSN I got it from my lawyer who was fixing my papers when my first employer filed a petition for me. But the only problem is I haven't tried to use it whenever I worked. Anyway, I know if ever your information can't verify or didn't match, whatever you're applying especially opening a bank account or applying credit card; they won't approve it. But they approved my checking and savings account. November 28, 2016 my friend decided to have a joint account. They approved the joint account and that same day my friend deposited her check $2828 on her tablet.

I recently opened up a new credit card to clean up my credit. I used a new bank account to make the payments. But when the payments went through, the account defaulted to an old account I shut down. I've have since made payments from my current bank account to bring it current. But the strange thing about it is, the old account it defaulted to, is nowhere to be found on my Capital One account. When I asked a representative about it, they tried to blame it on me. I asked if it would report to my credit, and the girl said, "I don't know. I'm no credit expert." I am so frustrated with Capital One. Credit is just not something you mess with. I would definitely stay away from ever using them.

I've been with Capital One for many years and have never had any cause to be concerned but did run into an issue with transferring of monies from my 360 account to my credit card. After speaking with an agent, I was promised that, as a one-time courtesy, my $59 would be waived but for me to call beforehand to confirm. I called to confirm and was told that, yes, that would happen. It did not happen and I was charged the $59. I phoned and spoke with three different agents but the bottom line was: The first agent didn't know about the changes to their governing practices, i.e., was either incompetent, or lied or was a nice person and they, themselves were just greedy and really not understanding what Customer Service is. Do NOT do business with these people. Ever.

Was approved for a card and as soon as it came in it automatically said it had fraud on it. I submitted my photo i.d., ss card, bank statements, utility bill, lease and my rent notice. None of this was good. They still wanted more information. This company is a ripoff and kept saying they wanted to protect me. How are you protecting me by gathering all my information and then saying it's not good enough. My cooperation should be good enough especially when I hadn't even activated the card. I now have a hard hit on my credit report for a card I have and will never use. Do not apply for one of their cards.

After having this card over 4 years with excellent credit and payment history, we had 2 incidents of a "late payment" this past year. It seems when a check is mailed through the post office, there is a very long time until the check is posted, with the check arriving at the facility and not being processed right away. This resulted in 2 "lates" from them. We requested a credit increase due to doubling our annual business income, and they flat out refused. They would not remove the late marks from our account, and when I asked to discuss with other levels of management , they put me on hold, then asked if I would like to close my account.

I am working on rebuilding my credit and so I applied for Capital One Quicksilver and was notified that I was approved for 1k. I later receive an email stating I need to first prove my identity by submitting two forms of ID. I successfully upload my documents and even receive confirmation. Then I get an email and phone call saying there was fraudulent activity on my account, I never even got to activate my card!! So shady, I will NEVER deal with this company again. I received the new credit card and could not activate it although I was approved. They said I needed to reapply due to a discrepancy. Awful awful company. I now have a hard inquiry on my credit for nothing!!

I went on Capital One website to pay my bill and an ad popped up for this skin cream $4.95 for a 'trial'. It arrived and I saw a $188.94 charge on my credit card. I disputed this to no avail. Tried to send it back unopened. No luck. I was told they would call me. Never did. Capital one offered minimum help. In the end I couldn't get out of it. Capital One shouldn't allow this on their website. Buyer beware.

CAPITAL ONE AND PROSPERITY BANK HOLDING HOSTAGE HARD WORKING SINGLE MOTHER AND DISABLED SON’S $4,500.00. This mother works 6 days a week to completely support her family!! She deposited $4,500.00 Cashier’s Check into the night deposit so that she could have money to move herself and her disabled son from San Antonio to Tyler. The Cashier’s Check (which is to be just like CASH) well the Cashier’s check was deposited into the account and then the mother noticed the next day it was gone out of the account. The mother went immediately to branch of CAPITAL ONE BANK in Tyler, Texas where the Cashier’s Check was deposited and asked for her cashier’s check. They expressed to her that they are unable to give her the check and they will mail the check to the address on the account.

I applied for my first credit card with Capital One, and received a student credit card with a $500 limit. When using the online banking app I entered my account number incorrectly and made two payments without noticing. I called customer service several times to make sure the correct account number was now on my account. After calling customer service I was informed the balance was going to be on a freeze for five days, and I could pay it off as soon as the balance shows in my account. When the balance was available five days later I paid the full amount and there were no problems. After discussing my concerns about my account number and actively trying to fix the problem I was informed everything was fixed and my account looked fine.

Capital One has actually been great. Right up till there was a problem. I pay off my card every month and have been for 5 years. I have a pretty good credit score. I happen to be on vacation at payment time and neglect to make a payment to them. My fault: I'll have to pay interest and a penalty... OK, I screwed up. To my surprise, a week after the due date my card was not approved at the cash register. BOTH my Capital One cards had been deactivated. I had to activate a card I never use via phone to get thru the cashier's line. When I called them, they said I had better pay quickly because in another week I would be reported to the credit Bureaus as a delinquent customer. So, they got $80 in interest and penalties and I got NOTHING but bad mouthed. They have earned WAY too much money from me to be treated that way. I'm looking for another card.

After being with Capital One for many years now and making my payments on time always, I requested a small increase for Christmas. Was rejected with some lame excuse that I couldn't even understand. They are truly a rip off. I will be shopping for a new card ASAP.

Be ready for a overdraft fee of $35 even if the account is overdrawn by just .05. That is their words not mine. I will say that most of my experience with them has been okay. But this policy is just terrible and really can have a big effect on a person. I will be switching very soon.

By far the worst banking institution I have ever dealt with. They will straight up take money out of your deposits when using an atm. It's completely unheard of. Then you have to make a claim (it seriously happened 3 times) and months later they will very casually just take the money from your account back without telling you. So basically they are complete thieves. The atm took $200 in cash from me the third time and they credit my account 21 days later, around 45 days after that they just took it back and said they couldn't find my money... WTF.

Fighting with these people is getting old when you lock me out of my account after it was paid and I used it 4 times the day you lock me from using it and then to go through my bank not 1 but 2 times because there uniformed employees that need to speak fricking English.

I've tried to cancel my Capital One card today am. I was on hold, two times for app: 40 mins each time, I couldn't connect with them. I left a message, saying, "I want to cancel my card and Do Not add another year membership fee." I even sent a message through Facebook Capital One, and left a message with one of their advisers, with the same message, "Cancel card, and don't add another membership fee." I couldn't believe a call I got this evening. I got a message from Capital One, saying, I have 3 days to make a payment, because my card is way over its limit, which it was under its limit just after last week's payment.

Credit card issues - They have horrible customer service. Everyone gives you a different answer. No one explains anything to you when you have a problem. They lock up accounts and charge you late fees. They have high interest rates and the reps are extremely disrespectful and unhelpful.

Credit fraud services stopped usage on credit card. When my husband called to rectify the issues they demanded a copy of his social security card. We did not feel comfortable making a copy so we went to the local Capital One bank with a bank manager verifying his identity and called the credit card services. 5 days later they still demanded the social security card and said that this was normal practice. I've had Capital One credit cards for 8 years and banking services for 1 year. I never had this problem and even the Capital One bank manager said he never heard of this before. Capital One's Credit Card repeatedly told my husband it wasn't his account so they closed his account. Then they send a bill asking him to pay, but per their customer service they even stated he could not be verified this was his account.

This bank sucks like no other. They charge about the highest interest rates of any bank and my wife and I are now eating it up. If your balance is near your maximum it will cost you heavy. And once you've paid off any card you wind up paying about double your credit limit. Many years ago I had Capital One and once I paid off card they begged me even offering me a fixed interest and I said "shove it".

I was approved for a Capital One Secured Mastercard and added an additional deposit on 10/19 to increase my credit limit. There is a 10 day hold on any deposit and it had been 3 weeks on 11/8 when I called. Customer Service said they would need to send an e-mail to the Secured Department which will take up to 3 business days for a response and then would take an additional 7 to 10 business days before I can see the money in my account. So at best case, it will be November 23 to see the money in my account and could be November 29th before I see the money. So, 5 to 6 weeks to see a deposit clear is totally unacceptable.

I was locked out of my account. Had to argue to make a payment and was charged a $25 late fee when they locked my account. When I called the person working with me didn't speak English I could understand to unlock my account. Worst customer service ever!!!

I changed my credit card to prevent LA Fitness from charging my credit card for services I did not receive. Capital One gave them access to my new card and even after I canceled the card they added charges to the card. After I called Capital One I was told that MasterCard allow merchants access to credit cards even if the consumer blocks them or change the card. I asked them if their loyalty is to me their customer or the merchant. I was told that's just how Mastercard works and there is nothing they can do.

I am pleased to say that Capital One was able to help me not in the way I had planned, but I definitely have a positive opinion of them now.

I have 4 different bank accounts: BBVA Compass, Chase, Paypal, Capital One Bank. From all the mobile apps Capital One bank has the best mobile app. And also I haven't got any overdraft fees with Capital One. However, I have got 18$ from Chase and 78$ from BBVA Compass for overdraft fees [TRUE STORY]! Whenever I report my card was lost they gave me a new card for free. Other banks have extra fees on it, like 5$. Easy money transfer between checking accounts and I can easily lock my card in case if it is stolen from the mobile app. The customer service is also great! I never had problems with Capital One. Simply it is best!

I called Capital One and got the corporate switchboard. I call and asked for executive service and I kept getting transfer to customer service. I kept calling back. I asked them to transfer me to executive service and they refuse. Capital One is a rip-off and have bad customer service. None of them need a job.

I made a P2P transfer from my checking account. It has been many days, money never reached the intended recipient. Contacted CapitalOne360, the 'manager' to whom I escalated bluntly said I should check with the recipient bank and/or the clearinghouse. Now, I am pursuing this issue with governmental regulatory agencies. I was an ING Direct customer. Capital One killed all the greatness of ING Direct! Such careless, inhumane, customer service. I have a long term relation with them but, now, deciding to retire everything.

They opened me a Quicksilver Visa card in May 2016 with a $3,000 credit line. I have had past credit problems. Originally they said after 5 on time payments they would increase my credit line. On my October 2016 statement they increased my credit line without me asking to $12,500. I was NOT expecting that but it was a good surprise. They did just what they said they would do and went way beyond what I was expecting. GREAT JOB Capital One.

We recently rented a vacation rental. After a few hours of being in the rental, we had a water leak running down the wall and discovered mice (I had one run out in front of me). We called Capital One right away to find out what our options were. We were told repeatedly not to worry, that everything would be fine and that we were covered by our credit card. We were told to take lots of pictures to document our case. Based on this information, we left the residence the following day and the owner refused to give us a refund for the other 6 nights we did not use.

I have had this card for since 2008 and had this account balance coverage premium charge on my statements which appears to be part of the credit card charges. It is a separate company of which they are partners of Capital One. The company is called Canadian Premier Life Insurance. If you have this on your card cancel it immediately as you don't have to have this and they very rarely pay out the claims. The phone number is next to the charge. Capital One is a very disgusting example of company that puts you deeper into financial slavery. Pay off your card and cancel it!!!

Capital One bought out my airline ccard after using it for over 15 years. I continued using it. I made a payment that CapOne said wasn't received, they shut down the card within 2 days & sent notification to EACH CREDIT REPORTING AGENCY that I was delinquent. I'm grateful that I wasn't in a foreign country at this time & had only their card to pay for things. I proved it was sent on time, had my bank provide copies that it was cashed & provided that to CapOne. It took about two weeks to accomplish this.