Capital One Reviews

I made the hundred dollar payment. The online showed, on time. Got a receipt. Showed paid properly. Then I was charged a $38 late fee and damaged credit because Capital One somehow decided the proper amount was one hundred and five dollars. I wasted a lot of time on hold and punching their 40,000 question drill to try and reach a human. When I eventually did, each time that person was powerless to do anything about correcting the error. It appears Capital One may set up such a scenario often, then makes it impossible and time-consuming to get it corrected. All to steal a large late fee while damaging my credit rather than their own. Multiply that fee by millions of people and it means Wells Fargo isn't the only large bank that deliberately steals from its customers.

My card was suspended. They say my account is past due of the amount of 244.00 that was due on April 23rd 2019. Ermm, humm... We are April 1st 2019. I have tried to ask to speak to a manager. Rather than to place me on hold for the manager. The rep place me back on queue. That was confirmed by the second rep. I tried with the second rep and again she refuses to let me talk to a manager. The 3rd lady, finally told me that managers are not available before 10:00 am.

I was in Los Angeles when I lost my card on March 17th. I reported my card lost on March 26th. There were over $1,000 in charges made in Los Angeles while I was in Utah and New York by vendors I've never even heard of (and should have been flagged) with my actual card (which has my name and there was no signature, such that the cardholder was clearly not me). First, I spoke to a Capital One representative who indicated the fraudulent charges would be removed from my account.

Their website is so bad that I feel strongly enough to tell everyone I know to not use Capital One credit cards. Worst online experience I have ever had with anything! I used the card for a balance transfer & cannot wait until I pay it off so I can burn my card. Capital One is saying "We here at Capital One will only give access to our website during normal business hours. So we do not care about anyone who does not work normal business hours." Normal business hours are whatever Capital One says. I am writing this after I could not access my account online. This month alone I have not been able to access my account at least 5 times. Pretty bad for a company whose entire business revolves around computer related transactions.

My husband made payments on my credit cards on March 26th. I have three accounts with them and only one was updated. They are trying to tell me that they placed the payment on hold because it came from his bank account. I explained to them that one of my accounts were updated, and they were all paid on the same day from the same account. They were no help so now my other two accounts are not updated and they keep saying they place the payments on hold which I know is a lie. They are horrible and don't care about their customer satisfaction.

Capital One gave my account to a law firm after I was told that I could either continue payments or make a large payment!! Then they lied and said they called me but didn't get an answer!! Bunch of bull! I paid my Quicksilver card off and was in the process of paying my platinum card off once I went back to work and they were well aware of it! Now I am receiving threatening garnishment letters from my county municipal court, and the law firm they sold my account to won't even return my calls! I hate Capital One, and I am going to fight this! They will not bully me!!!

I called to let Capital One know that I will be in Tokyo on these dates and where I will be using the card. I went to Tokyo and the card was declined. I was not able to go to the show because of no credit cards. I have three Capital One cards. I am back in the States now and I called Capital One to inquire as to why. They said it will always be declined out of the country then Capital One will send you an email and you have to respond to the email and or call Capital One and they have the merchant call Capital One. Customer service states that is how they do it and that other credit cards are easier to use out of the country but just not Capital One.

First, I purchased merchandise online. After not being able to communicate with the merchant I became suspicious. I found the merchant's phone number was from California and their place of business was in New Jersey. Hmmm. I called Capital One to not only report my suspicion of fraud but to also cancel the card I used for the purchase. I was credited with the $72.00 and was told the case will be closed. To my surprise 2 days later I was again charged the $72.00. I was told by Capital One that is was a "Dispute", not a "fraud" and Therefore I was liable for the charge. I spent 2 hours on the phone explaining that I neither received a shipping confirmation # or have been able to reach anyone at their customer service dept. This company was a shell that did not exist. How is that not fraud.

I am also finished with my loan paid 21,000 and they pick up my car. Yes I was behind and been in contact with the Department however they pick up the car and asking me to pay 1,500 in fees! Now I have to find extra money to retrieve my car and if it goes to a auction I have to pay those fees too. I would not recommend Capital One to anyone.

I have 2 cards from Capital One and as I usually pay online, I mistakenly clicked on pay the full amount which I didn't want to do so I called customer service immediately and they told me since the payment was processing they couldn't help till the next day when the payment hit my account, so as what customer service told me to do I called back the next day as told to now that the payment hit my account and now Capital One has my money so I called them back and they said there was nothing they can do.

I've had the worst customer service I've ever experienced with Capital One. I spent hours on the phone with them and found them to be generally incompetent, give you the wrong information, they say they'll do things and then don't do them, etc. It's extremely frustrating to deal with them and I hope I never have to do so again. My account was suspended and I couldn't get it unsuspended for about 3 months because they kept giving me the wrong information and were generally incompetent. They also didn't seem take notes as every time I called I had to explain the situation all over again. They put me on hold for long periods of time. Sometimes hung up on me while I was on hold. A manager gave me her employee ID so that I could get back in contact with her if I called again. And when I tried to do that the rep on the phone said he couldn't put me through to her. Just. Utterly. Useless.

I can't stress this enough. Do not bother paying your card on time and for godsakes do not pay it early. This company simply cannot handle that!!! I have paid my bill on BOTH cards either early or on time for over a year. I only get paid every two weeks, so most of the time it's early. So on Feb 23rd for March which was due March 20th I paid my $30.00 bill, on March 23rd. On March 23rd I get a notice saying my bill was overdue. I quickly sent $30...thinking that I must have forgotten to pay it. Later when I had time to follow up...they took $30 out of my bank account on Feb 23rd. So I call them.

I've been a card holder for years. Within the last 6+ months I've asked them to waive all yearly fees and crappy interests. Yet... The person over chat told me there're no new offers to do this. I then told them, I am done with Crappy One and done making payments. I'll start paying the $140+ a month towards my other credit cards or loans I've. This is the worst credit card company! DON'T APPLY FOR A CREDIT CARD THROUGH CRAPPY ONE!!

My Phone was hacked and my information stolen recently, including the login to my Capital One account. I called Capital One customer service. They locked my account right away. But everything else about the experience was a disaster. The worst customer service experience you can imagine. I'm trying to explain phone "Porting" hack to non-native English speaker with just a basic comprehension of English.

After being a loyal customer for over a decade, I made a horrible mistake and overpaid my account by $17,500.00. They just kept applying charges against it and refused to send a refund until I closed the account. It's been OVER 3 WEEKS!!! I need my money back. I've spent hours on the phone with them. DON'T DO BUSINESS WITH CAPITAL ONE.

I'm a small business owner. I opened a checking account with Spark Business Capital One. It has been nothing short of a nightmare, I can't access my funds -- they are holding them and indicating I need to change a form. I submitted the form now over four times to which they've given me the response that it wasn't legible and needed to be resubmitted, however, they are behind on reviewing forms from over two weeks so I'll just have to wait. And even once they do review, they have a 7-10 day waiting period for me to receive my funds and close my account.

This is by far the worst encounter I had with a bank. I was assist by Valerie **. Worst experience of my life, unprofessional and snotty attitude. I’ve been with Capital one for many years, business account and personal account and I will be moving my business to another bank. Client service is everything. Capital one can do better.

I called because they charge me an annual fee on the day that my credit card was reporting and I wanted it to report at 1% but it ended up reporting higher than that because of their annual fee. I asked them if they would waive the fee or if they had a different option. The guy on the phone was so arrogant and said fine, "I'll just cancel your credit card" like he was actually threatening me so I told him, "Fine go ahead."

I make monthly minimum payments as of my income now and with the finance charge less than the payment I receive no available balance. Every time I call I get a foreign person with no knowledge of subject. It’s disturbing of getting foreigners instead of someone who speaks English basically knowing the questions better. I’ve had this account for about 15 years with better results then as now. The interest rate is astounding, I’m trying to buy a home and my card balance is high. I am trying to fixing this so my credit score goes up but as of reading reviews I’m very questionable. I want to close this card but it might affect my credit score, every time I call I ask to speak to a manager for better understanding of the subject. Any help would be very appreciated.

Capital One is a fraud!! My wife and I have had a Capital One Venture card since 1992 and have never been late on our account. We recently paid our balance of $8,385.27 in full three weeks before the payment due date and still received a bill for $37.48 the next month. I spoke with several representatives and two supervisors and no one would waive the fee. They call this trailing interest even if you pay your entire balance. What a ripoff!! Needless to say, I can tell you what card WILL NOT be in my wallet. James **.

I have had a Capitol One Sparks Business Card for many years and had accumulated 280,000 miles. Sunday evening I booked a flight for a business trip that I was taking in two weeks. Monday morning when I got to work and checked my email confirmation somehow they had the traveler name as our company name. I called the travel center to get it changed and they told me that the only thing that I could do was to cancel the ticket and rebook at the current rate. The ticket price had gone up $140 overnight. I told the lady that I was not going to pay the difference as it was not my mistake.

I give Capital One the worst review of any CC company. Paid off my account in full, took them almost a month to report it and then charged interest after account was paid off. When I paid account to zero balance (almost 5k), they were barely willing to help where other companies were more than willing to help. Have been given poor service by their reps, had to call multiple times just to get accurate information. I would never recommend them to anyone and would advise any potential consumers to look elsewhere.

Capital One close my Menards account due to incorrect information that was through one of their departments. I was told that I had a Bankruptcy and they closed the account. I told them that I had NO Bankruptcy. They told me to get in contact with the Credit Bureau and I did and pulled my credit. There was no Bankruptcy on my report. I just wanted them to correct their mistakes and straighten out my Credit Cards and fix my Credit Report to not show these mistakes they made. Thank You.

I was in car crash in mid July 2018 leaving me without a income for nearly 9 months. I fell behind on my bills. My account fell behind. When I return to work this month first thing I did was call Capital One. My first check back I paid my balance in full. After speaking with the agent taking my payment they told me my account would be back to normal status once my payment cleared - to call back tomorrow to verify. This morning called requesting why I had a new balance. Yesterday I told the agent to run a full payoff and they did and it cleared. I ask to speak with the supervisor. She refused to assist me in any way stating my account wasn't paid off although we were on a recorded line with their agent stating, "Your account is in good standing and zero balance." This company has no integrity, and very shady. Stay clear of this company.

I cannot believe how horrible CO is! I went to my diabetes Dr yesterday. I have to take insulin several times a day now. I called to try to work with you to get an available amount put on my account. I was told I had a few dollars with rewards. I was told it would be applied as an available amount and would be done in a day or two. I called tonight to find out where it was and was told it was applied to my balance instead. I asked the rep yesterday to confirm that it would not be applied to my balance. He said that it would be an available amount. I needed that money for my diabetes supplies. You LIED TO ME! I can't use the language I'd like to because it could get me booted from Facebook.

Horrible website updates. All changes have interrupted all feeds with accounting software. Locked out of all accounts and can't get a "by when" I'll be able to access my accounts. Never had these problems with ING!

March 19. Had to call a second time to close my now merged Cabela's and Bass Pro Shops account. Paid off entire balances on Feb 26. (Overpaid actually. They stated to me, "that's just how things work here.") They proceeded by stating that they would be sending me a check for the credit balance on my account. Now three weeks later, the accounts are still not closed and that my account had accrued interest since. Dealing with customer service is a joke. Then they transfer you to a supervisor that even more ridiculous. They just read off a cue card and don't care about the consumer. They are like robots.

A few years ago I applied for a Capital One Platinum Card and was approved. I put a few charges and paid it off within a couple of months then put a few more small charges paid it off etc. I then put my dishwasher on the card a paid about 4 to 5 months in a minimum payment but couldn't stand to keep paying the small amount so I paid it off.

I just closed my 3 Capital One 360 Online Savings accounts. There was a glitch that was not allowing me to name the accounts (nicknames). Since the balances are sometimes similar I need to be able to distinguish between them at a glance. After months of this & multiple calls to tech support, I closed my accounts. Not because of the glitch per se but because of this response, more than once: “we see no issue on our end, the back end, so we will not create a trouble ticket and we will not pursue this any further. We see no reason that this should be happening”. Translation to their customer of over 10 years: “This shouldn’t be happening therefore it isn’t happening”. Unacceptable.

I am beyond furious with Capital One!! We needed to change a phone number on our account so they could send me a temporary code to access my account online to pay a bill and I was told they couldn’t change our number and couldn’t tell us why. I called late last week and if the change would have happened then, I could have viewed my bill and made my payment online then. I was then told they had an issue with the system and to call back today. I spent another hour on the phone with them tonight to get nowhere. I was told I couldn’t make the number change again tonight but to try back in a week. Wtf?? How is it our account and I can’t make a change to my phone number? The phone number they had on file was no longer in use so tell me how I am able to view my bill before paying it if I can’t access the account? All they kept saying repeatedly as they couldn’t share any information with me but they understand our frustration.

They got our statement mailing address wrong on the statements. Postal service cannot delivery statements in a timely manner. When confronted, they refused to waive all interest and late fees even though they screwed up our mailing address. By the way, this is a BUSINESS credit card and we actually are charged a yearly membership fee as well. As the result, we have been charged over $400 in interest and $100 in late fees that they are not taking responsibility for. We will be cancelling our Capital One business credit card at our earliest opportunity.

On March 18, 2018 at 1630 hours I called Customer Service for Capital One and spoke to a Keisha who would not provide any more info on herself. I asked about a fee they charged and when I heard it was from the bank - I told them I am taking my business elsewhere, she said OKAYYY?! The lady was rude and very condescending on the phone. Not the type of business I want from people who are holding over 85k a year of my money. I will be moving over to CHASE Bank. 4 Years of service down the drain over. Do not recommend!!!

I applied for a Quicksilver credit card, with zero percent interest for 15 months, knowing I had Excellent credit. They sent me a card, and a report with my credit score and APR after the introductory interest rate. The report gave an incorrect, much lower, credit score that is much different from Equifax, where they supposedly got my score from. No help from customer service or supervisors to remedy the situation.

They sent the card to my street address instead of my mailing address. I contacted customer service twice to correct it and got the runaround for nearly an hour. I never activated the card but I was pleased to send it back with a note explaining they have the worst customer service ever.

First, don't go with Capital One at all! Here is why, they have 0 customer care. The supervisor I finally spoke to on the phone was great but so hand tied they are useless to help. I asked for a credit line increase, this is the response "Recent use of this account's existing credit line has been too low". For over a year I have paid my account on time, been a great customer.

On February 5, 2019, I called into the customer service department in order to inquire about a new application for a credit card. I have my credit frozen for security purposes. I specifically asked the customer service agent which Credit Reporting Agency was used for checking “credit worthiness” for new applicants and I was told that TransUnion was the only one used.

My mother passed away in 2004. She left credit card debt with Capital One and for some reason, my father didn't pay it. Not sure if he didn't realize it, couldn't pay it due to living on social security, not sure. In 2008 they took my father to court over my mothers defaulted credit card from 2004, because he was her spouse. I do not know what type of arrangement he made with them, whether to pay a small amount each month, etc.

I have been a customer with Capital One for 6 years and have 100% on-time payments during that time. Recently, an authorized user on my card was involved in a scam, which I found out too late that caused fraudulent charges on my account. I was told that because I "willingly gave a third party my information" it was not fraud and they would not reopen my account. I don't think they understand what fraud means, but okay. I was then told that I was welcome to re-apply for a new credit card. So you can charge me new fees and pretend I haven't been a customer for as long as I have? No, thanks. Don't expect to get any help from customer service without a runaround if they even decide to do something for you at all. Absolutely zero customer loyalty. Don't forget you're just a dollar sign to them, nothing more.

I pay all bills for my father who has a Capital One account. Several times I have had to dispute charges and since the account holder has to be on the line, it was a huge inconvenience as my father does not live with me. Capital One asked us to send a signed power of attorney via fax. All the documents they requested were sent, I have fax confirmations but yet Capital One claims they never received it both times it was faxed. I gave up on faxing the documents, however, I am still trying to dispute a charge and this morning when I called to get their fax number to send the supporting documents, they said they could not give out their fax number either, as if a fax number is confidential information. I gave this company one star rating because lower doesn't exist. I am glad that I am not a customer.

Capital One spammed my email and physical mail with a pre-approved 0% card for months, so I figured why not. Keep in mind I have a checking account with them and a card for years that has a limit of almost double this one, and $0 balance on it at the moment. Step 1: Call to activate, done activated. Step 2: Your card needs fraud check and you can't use it. Step 3: Submit 5 million documents all over the internet proving my identity, yet their link doesn't allow me to submit them all so I have to resize and do other stuff.

I pay off my Capital One credit Card Balance off every month. About a year ago I sent 2 check payments in one envelope to Capital One. The balance would have been paid off. They reportedly only received the small check. I had to stop payment on the second check, for a fee at my bank. I was convinced to stay with Capital One.

I have had a Cap One Visa card for over a decade and always found their telephone reps to be knowledgeable, helpful, fluent and conversant. However, something has changed since March 2019. On previous calls to consolidate my two credit cards into one, I received the usual high-quality service I've come to expect. I was told I would have to wait until March 6th to do this since my newest card was opened last October; the card needs to be open for 6 months before I could consolidate.

I used Capital One card for my business for years. I had someone contact me wanting to sell some items to me for my business. Was nervous that it may be a scam, so I called Capital One before I made the purchase and expressed my concerns about it may be a scammer. I was reassured to go ahead and make purchase as I would be completely covered under their fraud protection plan if I did not receive merchandise. Well, I didn’t receive the merchandise, and the seller was arrested for scamming, but Capital One would not cover this under their fraud protection plan, as I was told they would.

Beginning in early 2018, someone has been calling in to Capital One with my SSN, and DOB, to update the mailing address on my credit card, so they can then request a new credit card. This has happened 4 times now, and Capital One has ZERO security in place to protect victims of identity theft. When I spoke with the "manager" in the fraud department, he told me that Capital One has "layered" security, but if the person calling can provide a full SSN and DOB, then they will make any updates that person requests. When I question them about why they do not offer any kind of 2 factor authentication, like just about every other company in the world, they can't give me any answers. I've spent countless hours on the phone with Capital One trying to get everything corrected each time this happens. Beyond Frustrated.

My husband and I have cards with Capital One. We recently sent in a check to payoff off the balance on his card. I sent it by Priority Mail on Monday March 4th. Per tracking, it was picked up on Thursday and now they think the check is lost. How do you lose a $3800 check once it’s in your building? As far as customer service-nonexistent. Their answer is to send them another check—seriously? If you lost one, how many does it take before you find it and post it?

Originally obtained this card as a Cabela’s card. It was wonderful from 2012 till the end of 2018 WHEN CAPITAL ONE TOOK OVER. As soon as they took over, I began having issues with statements being send, and payment processing. I was diligent and never made a late payment or let a balance carry over. One payment in particular was never received by Capital one. I called them several times and they said It had not been received. So, I redid the payment online a few days before it was due. Also, since they did not receive the check (at least said they did not) I put a stop payment on it. Then 1 month later they tried to cash the check!!!! All the while I am having to deal with people who barely speak English and are following a prompted script of what to say (IE: No rational thought).

Hello, My name is Anthony **. Capital One is the worst company to do business with! They are simply the worst!!! Don't get trapped. Go elsewhere. Run! Hide if you must... But do NOT go to Capital One. Why? Because when you want to cancel a recurring payment, they cannot guarantee the merchant will not charge you again in 15 months. What kind of non-arbitrary garbage is this? Pfft. Get real... There are not even any limits to the levels of disrespect and skullduggery this company is trying to convey, and sometimes...conceal.

My husband made a cash deposit in an ATM and we did not get credit. We had to file a claim and waited a week to get our money. Therefore I will never put cash in an ATM. Today I was depositing checks and the ATM did not record my deposit. It can take up to 45 days to resolve this. As soon as I get my money I am closing this account and finding a new bank. No way it should take even 24 hours to open that ATM and give me my checks back. Capital One does not care one bit about its customers.

Since Cabela's sold out to Capital "zero" card I have experienced nothing but billing errors and incompetence from C.O. customer service reps. They clearly demonstrated they do not care about customers and stated I have to prove they made mistakes! In addition, most do not even speak/understand English! Never again with C.O. and closing card and Cabela's will never get another card out of me either!

Horrible company. Not professional. Just a scam. Don't get involved with them. They harass you with advertisements, about 20 letters a month. Horrible. Then they hang up on you on the phone. It's the most difficult thing to get ahold of them. They are so unprofessional. Save your time, and do not apply. They are horrible. They don't even TRY to help you. Took me an HOUR to finally get things fixed because their employees SUCK. Especially Ben who hung up on me. Horrible man.

I have been using this card for 5 years and missed one payment by mistake. They did not waive the interest charge even though I called them immediately. Horrible policy and no customer service when in need.

A charge of $5100 was put onto my card while in Mexico. I was alerted to the fact via email from Capital One. I immediately reported it as fraud but after the "investigation" they said it was not fraud and that the merchant could charge this money. Their fraud guidelines do not back their claim of no risk! DO NOT USE THIS CREDIT CARD COMPANY!

I have been a loyal customer from Capital One since 2015. I paid off my credit card of $5020 BEFORE the billing cycle was due and was still charged interest. DON’T get a card from Capital One. I have never asked for anything to be waived on my account before and to be treated this way really upsets me. I will be cancelling all my cards with them.

I fell for one of their no interest 18 months loan for a small house project. I have always made my payments on time using their online payment. However, I went to make March payment and noticed the February payment didn't go through and they charged me interest plus late fees which of course now will continue. I never received any kind of notice that it didn't go through. I called and got no help but had to spend an hour to listen to the idiot read the cancellation procedure. Paid it off, done, never again will I deal with these arrogant **.

I applied for the offer of $150 rewards when the new customer spends $500 within 3 months. I spent that within the first week of receiving the card and activating it. Shortly after I received the statement and when I called to have the rewards applied to my account, I was told that they had a fraud alert on the account. That was the first I had heard of that and have NEVER experienced that with any other card. They wanted proof of who I was. I sent them 2 different documents, but when they wanted copy of my SS card I said no. The offer appears to be a scam to get new accounts with the promise of rewards, but not intend to deliver the rewards. I have filed complaint with the government consumer agency. I think this may be like the Wells Fargo scam to get new accounts. Just think of how much they will make with new accounts spending at least $500 and they have no intention to honor the rewards promised.

Applied for my first credit card of 300$, my name is long and somehow they got it incorrect to display on card. LONG STORY SHORT, it's been a 3-month long battle sending them every piece of photo ID. To no avail, I have been responded with requests to now submit MY PASSPORT pictures (after sending them a Canadian residency card, Medicare card, and phone bill). The worst part of it is, I had to pay 75 of the 300$ credit upfront in order to be accepted. Simply put, DO NOT APPLY for this trash credit card! Terrible service and there is a reason why there are 400 negative reviews and almost no 5-star reviews in comparison.

I paid off my credit card balance $4170 dollars. Payment due date was the 28th of February, they received it on February 25th. When I called them on February 19th to get the exact payoff it did match my statement balance. When I called on March 4th to cancel my credit card, they said I still owe $64 dollars for a finance charge? I was so upset I couldn't see straight! I had to ask for someone who spoke English, as I always get agents from India or Pakistan? My banker from a large bank here in the Midwest told me Capital One is the worse. "Pay them off and close your account," she said. I will never do business again with Capital One as long as I'm alive. And I will bad mouth them to death to everyone I meet. I'm also closing my Cabela's credit card which was taken over by Capital One. They are greedy **.

I put a deposit for a boat on my Capital One credit card and was told by the representative that opened my account if I paid with a bank check it would be treated the same as cash. That was not the case. They held the payment for 8 days even after they spoke with my bank and confirming it was a bank check and it was good. After spending almost an hour on hold and being transferred back and forth I got nowhere and felt like I was just a number. Each representative that I talked to gave me a different excuse but at the end of the day it tied up the sale and I lost a bunch of the rebates because of the delay. Thanks.

I have been with Capital One 12 years checking savings and credit card. Never overdraft or missed a payment. The bank double charged my card and has held my card up for 4 days now. It's amazing how payments made to them post immediately but to outsiders pend for so long. I've spoke with numerous representatives and they all say they can't do anything until it post. The businesses I was paying received their funds yet I can't seem to get the funds they owe me. I'm very disappointed that I'm having to put off my responsibilities because of their error.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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