Capital One Reviews

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.

I made an agreement with a long term repayment plan. Another staff member reviewed it and changed it stating I agreed with it. Liars. I want them paid off ASAP. They lied. I want attorney if their services are free only.

I tried to open a Capital One 360 checking account (application#: **). I called them, and they refused to open the account, and even provide me the reason that they cannot open the account. I was polite with them all times, however, their CS was NOT. They hang up on me during my last call after I just said thank you! I did not have a good experience working with Capital One customer service.

I have had a Capital One credit card for a long time with a balance I've been paying on. No annual fee. Got an offer to switch to the Quicksilver card. Noticed the info said I could earn reward points and have no yearly fee. I called to make sure I was choosing the card with no annual fee because there is a different card (Venture) with a fee. I was assured that I could switch to the Quicksilver with no annual fee.

I got a Capital One credit card a couple of months ago. I made two successful payments. My funds were available the very next day for the first two payments. Now on this third payment, my funds are being held for 5 days. This is after the Capital One computer system says they have my money, and the funds are gone from my bank. They are still issuing a 5 day hold for no reason. And again, this is after the money has left my account and Capital One's computer says they have my money.

I have two Capital One credit cards both accounts in good standing. And I've been trying to use them online and every purchase I try to make is declined or says please try again. I've contacted Capital One and gotten absolutely nowhere! One of the reps said maybe I'm not using the card right or not putting the info right. I've had these cards for about 4 years and shop online regularly. Looking to switch companies now since they are doing nothing about this issue.

My Capital One card sent an E-mail and a text of potential fraudulent activity. I confirmed it WAS fraudulent activity. They had me call the fraud area, a new card was sent to me NEXT BUSINESS MORNING, and it was a pleasant experience. This, despite the fact that $488 in fraud charges were stopped, and $121 in fraud charges were actually put through. The rep assured me those $121 charges would be removed from the bill that day (they were). With very little distinguishing credit cards, customer service is all they have. Capital One also has the foresight to issue different card numbers for different individuals on the accounts. This way, while my account was cancelled, my husband's was still active. Nice touch!

My wife and I have been searching for a card that earns a decent amount of points for travel. The Venture card seemed like a nice fit since we can pay all of our bills and earn points. We applied, and got instant approval, and less than a week later, we received our cards (joint account). However, upon activation, it claimed our account was fraudulent. The scary thing is, they asked us to send our social security card through the mail. NO BUSINESS SHOULD EVER ASK FOR THIS! How ironic is it that they are protecting from frauds, yet are asking for customers to be extremely liable by sending personal information via mail. Ridiculous! We called them and canceled our account, and what a joke it was.

Made a $1.00 payment. It was returned and now I have been declined a credit limit increase. The payment was not on a due date just a random payment. They refuse to overlook the error. I will let this card sit in a sock drawer effective immediately. I have worked other cards with double the limits and same rewards. They just lost a customer. They could give a rat's ** that humans make simple errors.

Every time I pay my bill there is a hidden charge of some kind. Interest charges when I am not using the card and late charges 5 days before the end of my billing cycle. They are ruining my credit score. Don't ever, ever, ever get this card! None of these charges were in my initial paperwork.

I have been paying on time and more than the minimum due for over a year. But my interest rate is 29.4%. So I called to find out why but all they would do is set me up with a credit counselor. When I asked her to lower my interest rate, she said she couldn't do it, but she could take off the yearly $39.00 fee. I explained that my husband hasn't worked in over 2 years due to health issues and I need to talk to someone who could lower my interest rate. She transfers me to someone who says they can lower the amount due every month? I'm paying more than what's due and on time every month, so how's that going to help? Just prolongs the interest and I pay even more. I ended up closing the account. She said that Capital One doesn't look at payment history, but she doesn't know the formula they use. What a bunch of jerks!

I applied for a Capital One Spark 1.5% through their website. What I received in the mail was not the card I applied for but a different Spark card. The first rep stated I was denied but was given a similar card. I did not receive a denied application letter. The second person I spoke to said the first was wrong in her information and I got the card I applied for. Capital One and I have been going back and forth with various reps (4 total) about how they open this card I did not applied for without any notice or authorization from me.

I get an application in the mail. I reply, then get a letter that I will be getting a card in the mail. I get the card and it says to call confirm which I do. I read through the paperwork. It says after ten days of my account being open I can do a balance transfer so I do nothing further. Then about a week later I get a call from a number that does not say Capital One but is suspicious with a bad connection saying I used fraudulent information to open my account and gives a case number I can't understand due to the connection.

What they DON'T tell you, even if you ask, is that you WILL have problems depositing money into this business account! And if you can't deposit money, you can't pay bills. After several calls, I found out that Spark's business accounts have a "limit" as to how much you can deposit into your bank account each month, and the limit varies unpredictably from month to month!! What kind of business wants this headache? And why don't they disclose this up front? I have had a small business for 28 years. I found out today, mid-month, that I cannot deposit any more money into my account.

I purchased Capital One Bank card in January of 2012, and 'til this day, I still have this card. Capital One Bank card is an excellent card. Yes, I have read the agreement. And yes, Capital One Bank card charge $39.00 annual fee (which is not much). In 2012, Capital One Bank approve me of $500.00, because of my outstanding good payments, they approve me of an extra $250.00 credit increase. As time went on, Capital One Bank approve me of an extra credit increase of $750.00 because of my outstanding good payments. Again, as time went on, Capital One Bank approve me of another credit increase of $750.00. So right now, I am at $2250.00.

First, with a credit score of over 750 my credit limit has never been reviewed and increased (should not need to ask). They offer credit score monitoring so this should not be an issue. Second, system down and person on phone offered to waive late fee (first time late in 10 years and was for $8 charge). Because system down I have to call back and was told that the person I get may not agree to waive late fee. Third, had fraud charges re-occurring and Cap 1 stated they cannot prevent them from coming through even though it was identified as fraud. Consumer has to deal with issue as if brand new. Not safe. Giving two stars because the last person I dealt with actually tried very hard and put some thought into it.

Dealing with them for 1 month now. Had to Re fax papers 3 times. Now I call again and they say we don't have one of the sheets. Then they find it. Now the process starts over another month to wait. Managers are too busy to talk with their customers. It takes 48 hrs for a return call.

I had an existing account with Capital Bank in which I had my daughter as a co-signer as I authorized for college purposes.I called Capital One customer service to remove my daughter from this account and they told me they would go ahead and take care of it and that I could continue to use existing card. I called to verify of the change and I was told that my account was closed. Due to their policy rules. Not only did they close the account, they also kept the reward points accumulated with purchases I had made. I requested previous recorded call to verify previous conversation with representative and I was told that the account was now closed and that nothing could be done. I feel this is very poor customer representation and unfairness.

We got a $13.00 "rewards check" in the mail and deposited it into our small, local bank where we have over $100,000 balance. A week later the bank called us and told us the check "was NO GOOD" so we had to go in and pick it up!!! We called Capital One where we have had credit cards forever and were first told by the overseas Asian sounding man that the check "can only be cashed at a major bank like Wells Fargo" so we asked for a supervisor. She, naturally, had never heard of such a thing and told us to "mail the check back and get a credit on our account." It's now going on 3 weeks since we got the Rewards check and it's back in the mail to Capital One. If you get a Rewards check, beware! If you don't belong to Wells Fargo you can't cash it!

My husband initiated accounts with Capital One because of the ease of using the cards and money machines when we traveled. I think he did not plan a long term relationship with this company and I was not included on all the accounts as he did so carefully in all other aspects of our estate. Unfortunately he died unexpectedly leaving me to deal with this very reluctant and challenging company. I could never get past the usual circle of uninformed phone clerks and department transfers and endless stalling. This went on for months. I finally had to use the attorney working on our probate process. This cost me over $1000 in fees to simply close out these accounts. The account statements requested were never forwarded. This company is set up to avoid actual criminal behavior by just a hair.

I've been using my card on remittance site since 2012 using both VISA or MASTERCARD without problems. Until almost a year now and TODAY, I had an emergency so I woke up at 3 AM, went to 7 Online remittance site till 5 AM, spoke to their customer service and found out that my card is locked. Customer service of these remittance site asked me if they can verify my account with this bank. The CSR connected me to this bank phone number but there is "NO" 24 hours service to this bank. Answering machine will tell to need to call this bank during business hours. So I got so stressed that my migraine was hurting so bad and I end up losing my whole day workpay coz for 2 hours I was trying to send money on severe stress... I had to took my medication and went to bed. I had to call out to my work because of this stressful card issue.

As all of you could read, this was quite a frustrating experience, but today it has been resolved. Although I had received my deposits back 10 plus days ago, I was called today by David from the Office of the President of Capital One 360 apologizing for the whole experience and stated that after their investigation into the recordings of the conversations and application for the account, my information was mishandled and closed inappropriately. The conversation was handled very professionally and addressed my concerns by listening and actually took accountability of the issues. I appreciated the call and would strongly reconsider doing business with Capital One as a whole, accepting that the mistakes were with individuals and not corporate culture.

Have many credit cards and Capital One, particularly the Capital One/Neiman Marcus credit card is the worst. They overcharged without letting me know, never informed me I had a balance on my account. I found out myself via credit report (dramatic drop in my credit score). When I called, they promised to correct that, but 12 months passed, nothing happened.

On September 21, I got an email stating my email address had been updated. The next day, I received a voicemail saying my account was locked and I had to call back their security department to rectify the situation. I have, in the past 2 weeks, called this department several times, and each time the hold time was over 50 minutes, at which point I had to give up and leave a message. They seem to have no sense of urgency returning calls or rectifying problems. It is now October 4, and I am no closer to having this problem fixed, cannot log into my accounts online, or reach anyone to help me.

I jut had a very unpleasant conversation with an argumentative and pushy Capital One manager named Dan (ID **). Last time I called to make a payment, it was the weekend or some other reason for it not to go though that day, so that representative told me I could call back in a few days to have the late fee waved. However, speaking to Dan, he let me know that the fee was waived after cut-off time and because of the fee my new minimum payment had more than tripled. This is not what I was instructed on the first call, but something Dan brashly maintained was their rules.

I always made my payment on time. I had two credit cards with them, one personal and one business. My personal return a payment two times but never the business credit card so Capital One took it upon themselves to cancel both of my credit cards without letting me know at all. Meanwhile I had already paid one full payment of the one that was return. I call and they just tell me they close it and I won't been able to open another credit card with them ever. Very rude and also ruining my credit. Thanks a lot Capital One for being the worst with your customers.

I purchased tickets from New York Pass through Ticketsatwork.com. I was charged twice for 4 tickets. I was charged 850.98 for 4 tickets. At the time that I was in New York, I didn't realize I had been doubly charged. In addition, when I got to New York and tried to get my 4 ticket books from this company, they said they didn't have my name in the system. I never received anything and was charged double for nothing. What a scam. When I tried to get a refund from Capital One they sent me a letter. They had charged it back to my account. In addition, the letter included a toll-free number of 1-800-887-8643 if I had any questions. When I called this number, it says that the number is not in service. So Capital One will just let you get ripped off and they just don't care. Good luck wasting your time with any disputes if you are double billed or don't receive services or both. I lost a large amount of money here for nothing.

In the last several years I had many problems with signing in to my account. I appreciate the security but every time I have to reset (often) my password it takes forever and it does not work. I spend countless minutes on the phone with a rep. Finally it works. In the short future it does not give me accesses to my account. It says (OOPS! It does not match what we have on record). Today it did it again. Someone please help me. Should I change banks?

In order to 'earn' miles, you have to have made travel related purchases to pay off with the miles you earn. And it has to be like within 6 months or something. And if you want to reimburse your ticket, you have to have enough points for the whole ticket price - maybe even 2 tickets if you bought two at once. Good luck figuring out how to do that on your own - I had to call in. The rep was kind enough to go through my statements with me and help me find travel related things to pay with my miles. It's sad. I've also been a customers for well over 5 years. Since then, they've increased my credit limit 1 time. I've had a high balance on this card for almost 2 years. I finally paid it off and requested a credit limit increase in they denied it (3 times in 10 months) because I'm not using enough of my credit line. Seriously? Please don't get this card.

On September 21, 2016 my Capital One 360 savings account was compromised. I was notified on September 23, 2016, that my savings account had been locked down because of this outside action. I have 2 savings accounts with Capital One 360 and only one of the accounts was compromised when some unknown person opened a checking account and withdrew $2000 from this account. The Capital One rep. who I spoke with said that I would be notified within 24 hours by an investigator from their fraud team. I waited 3 days and spent over 60 minutes per call, 5 calls, to Capital One to get a response on the telephone, and when I did get through, all of the representatives that I talked to told me the same thing, that I would have to wait until they retrieved my funds from the bank where the account was opened and that they could not give me new account numbers until this happened.

New account opened. I asked for wiring instructions to deposit the initial $5000 but was told to just take a picture and deposit it via the website. OK fine. Then they put a hold on the funds. Fine. I expected that. Then I wanted to deposit $3000 additional. Was told to wire it so my bank wired $3000. Now they put a hold on that wire. So in summary CO360 is holding $8000. So I call their 866-464-7761 after receiving notice via email that my funds are not available and unless I call they will close the account.

They locked my account after I opened an account for a week and transferred in a large amount of money. They sent out an email saying I had to call the customer security team. I called many many times but could never go through. I also left messages and sent them emails. I don't know how long I will get this resolved. After it settles, I will transfer my money out and stay away from them forever!!!

I had an account with Capital One years ago and never had a problem. So I decided to recently open up another one. After receiving the card I got countless emails to activate the card. I finally activated it on August 27,2016. On September 12, I received my first invoice. It showed a late fee of $25 and a activation fee of $79. The due date was SEPTEMBER 2!!! So I call the number on the card to ask how can I get a late fee when the invoice was obviously mailed late, and how can they automatically generate a late fee upon mailing out the invoice! The guy stated the activation fee was supposed to be paid once the card was activated. I told him then my first invoice should be for an activation fee, BUT since they can get their end straight cancel the card!!

They put customers on hold so long. I ask the rep what if it was life or death, and he said just do whatever you have to do. It is rep # **, and I ask him can I speak because I did not get a word in and he said that he hear me so I said 'can you stop talking and listen to me" and he said no. So that's what brings me here.

I opened a checking account for my aging mother (with their help), got her social security check being deposited there as well as a small pension. They then froze all funds - $2790 so far. Such will be more to come as I can't redirect the pension and SSN check to a new account in time. They have a copy of my power of attorney and still they hold her funds. I am having to foot all her bills from my account. Total criminals. I will be heading to a new bank Monday to open new accounts for both my mother and I.

I called about a week ago to have a replacement card sent to me because I used it online and I didn't feel comfortable about the site. The incompetent employee of Capital One Bank closed my account and sent me a new card. I called and ask them why they couldn't give me an answer. I was told since the account is close they can't reopen it and I should have gotten an account closed disclosures which I never received. I did not mention my account to be close I ask for a replacement card. I believe it unfair to me since I didn't close the account, it was an Bank Error, someone should own up and take the responsibility for it, it shouldn't be me. I personal will not do any business with them anymore and also going forward I will tell all my friend and family not to do business with Capital One. I am disgusted by this.

Capital One's computer system locked me out of my account because I was accessing my account from a new cellphone. I called the Capital One Customer Service number and after navigating their useless phone tree I finally spoke to an individual who was very rude and placed me on eternal hold because they had no clue how to address the issue. This was the first time I had to contact Capital One and the experience was so bad I don't want to carry Capital One in my wallet anymore. Very very poor Customer Service at Capital One.

Stay away. I was in the process of transitioning from Wells Fargo to Capital One - for both personal & business - and Capital One froze all of my accounts. Upon login, I am forced to call Capital One. The wait time is prolonged, taking 30 to 60 minutes. The support agents are quite rude. Effectively, all of my money is lost in cyberspace. Horrible experience.

Capital One cancelled my account in a letter they sent to me. The reason was a "pending legal action". I called customer service but no more specifics were given. I went to redeem my rewards and found out that Capital took all of my rewards. Please help.

Got my 300 limit card to help build my credit August 3rd. Payment was due sep 3 2016. So I put my account information in for my bank account. Yeah they held the payment for 10 days. Showed on my credit report that it was paid... WRONG, the money never cleared my bank account when I called they sent me to the fraud department and told me that I was wrong for paying my 319.30 payment and that is why they held the payment. ME: "WHY THE HELL WOULD I JUST PAY 300.00 if the bill tells me to pay 319.30?" Thats what I will pay. NO ONE will ever convince me otherwise.

Capital one claimed I opened a credit card account a few years ago, which I didn't. They went as far as to fake a application from a prior account that was discharged a year before in chapter 7 bankruptcy. They sent me a summons to go to court so I settled the debt for 2400.00. Because it would of cost over 3000.00 if I went to court. I had them send me proof of charges and they all matched a different card I have, they didn't care if I had proof. Any lawyers on here think I have a case of fraud against them??

For about a year I was receiving pre-approved credit cards in the mail, at least twice a week. I would get it open it and then off the shredder it went. Well last week I went to check my credit report and to my surprise there was a Capital One credit listed with a $300 credit limit, and starting in February 2014 to July 2016 they made 40 inquiries into my credit check. Called Capital One and was fuming. They claim it was ID theft. Say BS, they open account under my name. Now the fun part - trying to get off of my credit report. Everyone check your reports, this is the same thing Wells Fargo was doing. Help!!!

I redeemed the miles on my account. That led to restrictions on the account so I could not redeem miles. I was asked to provide social security card, driver's license and utility bill. I provided the documents. I was asked to send documents again. However, the documents are not what they want, they just don't want you to redeem those miles. Repeated phone calls and hours on hold did not convince them of my identity. Beware of redeeming miles, if you do they will harass you enough that you would never do that again. So much for "no hassle rewards." I closed all of my Capital One accounts. Who wants to deal with a company that behaves this way?

To start with, Capital One prefers using snail mail, FAX and phone calls. I find this SO irritating, old-fashioned and annoying. It's beyond words. They WILL NOT allow me to email or upload anything even to my secure message center. Main reason for this complaint is I've been "working" with Capital One dispute resolution for weeks to overturn a charge from Airbnb for a cancelled reservation. The room was booked and cancelled within 24 hours and I'm allowed to get a refund minus a small fee. I have NOT received the refund from Airbnb and Capital One seems unable or unwilling to resolve this in my favor. I had a CitiBank VISA card lost and CitiBank resolved over $3,000 in charges with one phone call. American Express is even easier. I will never use or recommend Capital One credit card. Furthermore, when I called to see if they could switch me to a rewards card, they said "no".

I am writing about Capital One's customer service. In July of 2015, I had noticed that my cards were being hacked by the bogus charges on my account. I contacted Capital One immediately to have them shut down my accounts because of fraudulent activities on my accounts. They did not shut them down and my money was taken out and then they had the nerve to tell me that I owe the money. I just want them to take me to court and tell the judge that what they did. Why they didn't shut down my accounts, I have no idea. They are totally in the wrong!

We open our account for online access since they don't have local branch in California. It's a mistake. We could not login after verification and we call customer service 3 times a day on 9/12/2016 to get help. We were put on long hold a disconnected. We never be able to access our account, again!!! So is our money.

Ours is a long story - year over year shut-off during travel, despite following all of Capital One's notification rules: We hold a Capital One Visa Signature Account with a very large limit. We use this account FOR EVERYTHING! We pay every bill we can, and all day to day purchases with this card, paying the balance in full every month. We do this because we do appreciate the point system! It is a very good program. To be fair, we have never had any issues with our account for our day to day purchases. Never an error or duplication and, if we suspected a problem, they have always helped us should a dispute be necessary. Our problems occur when we travel. We travel frequently - for business and pleasure... And thus our story begins...

They have a really ineffective customer service. They upgraded my cards but did not give me sign up bonus. I called them to cancel my upgrade before getting my new cards. They told they cant. They have policies which dont care about customer satisfaction.

No use in paying this credit card early. No use in paying it late... either way you're charged a late fee. I am never late. Always pay ahead of billing cycle and have been charged numerous times for late fees... and to top it off they won't fix it. They only let put back one late fee a year. I work nights sleep days... can't call.

I received my credit card and was not charged interest for a certain amount of time. Once my time ran out I started having to pay interest. Also at the same time I would try and log into the area where I could pay my bill and was unable to till the day after my payment was due and was then charged a late payment. Then because it started to go over my limit with the fees I was then charged fees for being over my limit. Trying to fix my credit with this card was not the best way. I have been in court and lawyers continue to contact me. I only owed a bit over $500. It is now up to almost $3000.00 because of fees and me giving up.

I already have 2 credit card and had checking account with this bank till last week. While I was depositing money through ATM, money got stuck inside during daytime. I called the 800 number and they told me they are going to credit this deposit amount to my account. But instead of credit, they freaking shut my account down and send me a letter that pretty much says nothing. Letter says they can close anybody's account with no explanation. That's it. What a business mentality! All I did deposit money through ATM god's sake!

They make too many mistakes. I have a Capital One 360 account that was originally an ING account. I would be out $1790 if I didn’t catch their mistake, then I asked them for my statements going back which they sent, and they send me somebody else’s statements.

They corrected the error.

First, let me say I applied for this card, in part, due to info on creditcardforum.com. That was mistake number one. I just posted my Capital One horror story to help others that visit that site. It was gone in an hour. Poof. I was approved for a Capital One secured card. They said when they received my $99 deposit ELECTRONICALLY they would ship the card two to three weeks later. I got the card today after 17 days. It said on the card to call and activate. When I called, the automated voice said the card was flagged for fraudulent use. How so?! It wasn't activated?

I have a credit card with this company, which I pay in full every month. I tried to log in today to my account, and failed. I called and spoke with customer service. She checked my information and said the date of birth I reported was incorrect. I said "No, Capital One entered my incorrect date of birth." The rep corrected the DOB in the system. She said she could send me a temporary password via email. The email never arrived, even though the customer rep said she sent it four times. She put me through to technical support, but there was no answer. I called back and was told that I had no account online. Also, I could not sign up online because I had to wait 72 hours due to the change of date of birth.

I purchased something from the UK and my credit card was rejected. I called Capital One and they stated the reason was that the company was not in the USA. They did not call me, I had to call Capital One. After verifying I was who I said I was "many times" the transaction was authorized. Fortunately I was available, not out of the country and without internet service. Capital One advertises international transactions without fees, but apparently Capital One makes it very hard to make these purchases. I am scheduled to travel soon and concerned Capital One will reject my card and I will not be able to respond.

My husband was in a dental office trying to use the Capital One Venture card, and it got declined. I was 10 days late on a $52 payment which I made through my bank and it was processing today. But when I called Capital One to ask why they declined the charge, I was told they didn't show the payment being made yet. I explained that it was made and it would hit their account today. I have a $148 balance on my account with a $3000 credit line, and I owe less than $100 after the $52 payment hits.

Deceptive, poor service, unethical, and exceptionally rude. I recently attempted to switch, admittedly enamored with the ease of their mobile banking tools. What a huge mistake. It was a disaster from the start. In every way. They are the 'if it seems too good to be real, it is' bank. They are like the overly friendly, overly casual, come on too strong new acquaintance, the one where gut tells you something is sinister and explosive and not to be trusted (no one is that - energetic, perfect, friendly, etc). And then 'bam', the wingnut comes out in a narcissistic/BPD way. That is Capital One - and I thought Spark Business was operated more autonomously - had both personal and business. NOPE. This bank will crumbled for sure!

I applied for a card from Capital One on July 26 and was immediately approved. Cards came in the mail and I called to activate them. They then said they needed me to send a front and back scan of my driver's license to confirm my identity. This was sent and they still did not activate the cards. I called them and they said they could not read the barcode on the card. I spoke to someone again on August 29 and re-sent the driver's license plus my W2 and even my passport to confirm my ID. The lady said she would get it resolved and call me back the same day. 48 hours later still no callback. I called again and was told the account is closed because their "investigator" could not confirm my ID and that I needed to reapply for the card. Needless to say this company is about as bad as it gets when it comes to customer service. I finally gave up and put the cards through the shredder.

August 12 a devastating flood took over numerous parishes in Louisiana. Individuals as well as businesses were inundated. A gentleman from Capital One location that I do business with telephoned me one evening and let me know the building was flooded. He told me I need to go to the building itself and get my belongings from my safe deposit box. "Please go between the hours of 10:00 and 2:00. We will have a member of our staff there to serve you." In the midst of cleaning, scrubbing and surviving, I have stopped my days several times over to get to the bank at this designated time. No one except the demolition crew is present.

Got a credit card with Capital One Bank thinking it was a No Annual Fee. Got the first statement with a annual fee of $75.00 and line read "from September 2016 to August 2017" so I call and cancel the card intermediately and asked to cancel the annual fee and they say we can only give you $25.00 credit. And I mention "How can you charge annual fee for Services that you have not provided yet? Is not September yet. We are in August 2016." They only credit me $25.00 and I have to paid due to I do not want bad credit on my Credit Report and they know that. That is the reason why they do it but Where is the Government? This bank should be close intermediately by regulators. They will continue to do this "SCAM" until our government put a stop to it.

My husband and I refinanced our home with a cash out to pay off some bills. The title company mailed us the checks endorsed to the creditors themselves. After speaking with the person at the title company in charge of our refinance funds...she misunderstood me when I said I was paying for 1 account by mailing overnight 2 accounts in person and 1 account (Capital One) online since there are no Capital One banks in our state. I was not told they block online payments with their checks. Once I saw that the check to pay off the balance was kicked back I called Capital One, spoke with a lady explaining everything - I was NOT ONCE told that my account would be closed. I asked for the over night delivery payment address and mailed out the actual check within a couple hours.

Ok so everything was going good with Capital One. It was a new card. I've been paying excellent and trying to leave a $0 balance at the end of every statement but all of a sudden I make a payment and check back to make sure my payment has cleared and Capital One has restricted my account. So I call in and they tell me my account has been restricted because they suspect fraudulent activity on my account and request and then they ask about some authorized users I have on my account (which I know nothing about) and they tell me I need to send in an ID and ssn for each person on there.

While Reviewing my statement on the 8/08/2016, I noticed few charges that were not made by me. Right away I notified the customer service and submitted the claim and replaced my debit card. Today is 8/22/2016 and there had been no communication from the capital one representative at all. They did not ask me for any more information nor they bother to call me to give me status update.

Ok I happened to stumble on this review and I was surprised to see so many 1 star reviews? Here's my story... Few years back I let my girlfriend's mother use my Credit Card BOA at Best Buy to buy an HP pavilion. I told her to use her address for the billing and just pay the bills. All is cool! BOA calls me about 8 months after purchase and asks me when I'm going to make a payment on outstanding debts? I was like what? I look at the billing on my card and her Mom was paying the bill 30 days late 3 times, 60 days late 1 times, and 9 times late 4 times... I was out of my mind pissed off! I went berserk. Told them to pay it off in totality. I then purchased a $4000 car for my girlfriend with the BOA card but noticed my interest was like 26%!

A bank I rarely use was charged with a Cap One payment. They proved that I didn't make the payment. They were not helpful in making sure they took away that charge. Instead they put it on my bank to get rid of the charge. I did an online chat and phone call and neither person was helpful. Really upset I chose Capital One instead of a different company.

I have had the same experience with requests for credit line increases as a number of others on this site. In the 2 years I have had my Quicksilver card, I have never made payments of less than the full balance or 3-5 times the minimum payment. Yet when I recently requested a credit line increase, I received several form and apparently computer generated denials saying that my average payments were less than the minimum payments. Thinking this was a mistake, I continued to submit requests online but only received the same form letter. Calls to the company were of no avail as the representatives, while sympathetic could or would not do anything. I finally sent a letter to the CEO and managed to at least get a response from a named employee. However, all she did was refer to the same computer generated form letter. When I called her, she was less than professional, and repeated the same non-response to my inquiry.

First off, I had to wait a month to get my card to begin with. I received about a dozen pre-approvals from Capital One before my card could even get to my house. Clearly their priorities are a little off in that regard. I have paid Capital One early since having the card. I made a payment in full early for only $318 and had the funds taken from my bank account. On the app for Capital One it showed my balance was brought back to $0 and my payment was posted on their app. I went to pay for my bill out at a restaurant and was declined. I checked the app and it showed that my available credit was $0 even with my balance being $0.

I inadvertently paid a duplicate payment which Capital One refuses to acknowledge. My credit score is over 800 and I learned how add and subtract in grammar school.

Pre-approved credit cards and online applications cause serious problems with identity theft. When you don't file for credit cards, you don't worry. My father has 9 Capital One credit cards that he did not apply for. They refuse to send a list of charges and refuse to send signature cards even after you have lawyers send a subpoena. We have called and filed several fraud reports over and over. Filed identity theft charges at the police station. We got it as far as a preliminary hearing for the CRIMINAL that did this, but not just Capital One, ALL the credit cards companies never replied or complied with the court-ordered subpoena. This is absolutely outrageous and sends a message to identity thieves that it is OK to steal from people. You won't ever get caught. If I didn't comply with a court order, I'd be held in contempt of court. What makes you or anyone else so special and exempt?

I as applied for a Capital One credit card... Quick silver. I tried to active my card. It said there is some fraudulent activity on my account which is a lie, I never activated it. I didn't report my card lost or stolen. They reported me to transunion credit service. I can never get a credit card from any company that will stay on my file for 7 years. I did nothing wrong. Capital One had no reason or proof of fraud. Whoever you are if you are reading this do not I repeat don't ** with Capital One they will ruin you. I'm filing a suit on Capital One. This is the worst company in the world. Stay away!!!

My two kids and I were forced to find other lodging, in spite of a confirmation number. I couldn't believe they still charged my credit card number. Do you think Capital One would stand behind me in this fraud? No they didn't. After 2 decades, I am no longer their cardholder! Good riddance - they are not in my wallet. And the little Beaver Dam Lodge won't have their pilfering paws in my wallet either.

I have excellent credit and have never been turned down for a credit card until now. I didn't get it, so I installed Credit Karma to see what was going on, but it still looked good. When I got the letter of explanation from Cap. One it said I was denied because I had applied for a different Capital One credit card recently. In their "terms" it said that you could be denied if you applied to 2 or more Cap. One cards in 60 days, hence I thought they only counted the one that I already had in hand. Kind of deceiving. Also, Cap. One gives you hard hits on your credit score so applying for this card made my score worse. Too bad for Cap. One, because I was going to use this new card as my primary card.

I tried using my card and got declined at the store. This has NEVER happened to me. I have always made my payments and been on top of even over paying. I called to try and find out what was going on. I had made a $748 payment in the month of June. I did not receive a bill for the month of July. I assumed that since I had made such a significant payment that it had just carried over. So, I clearly thought it would do the same for August. I was wrong. After explaining my situation to Eva (who apparently as she stated, does not have a boss who speaks on the phone) she told me that the balance would not carry over and kept repeating how I had "failed to make my payment" OVER AND OVER as if I were some moron.

I applied for a credit because it said no annual fee. First time using the card they charged me an annual fee, turned around and reversed the charges but then stated I will be charged a fee the following year even after I send info stating I wasn't suppose to be charged a fee. I feel I was lied to just to become a new customer sad. But guess that's how it goes, I fax over all my info and they still telling me I will be charge a fee from here on out!!! Wish I knew from the start this would happen. I sent all the info the sent me saying I won't be charge annual fee but yet they charging me. I just don't understand that. Oh wait and claim they never receive my faxes. Kind of convenient huh???

I opened a Secured Debit card with Capital One. For those of you unfamiliar with secured debit cards it's basically only for people who do not qualify for a real credit card due to horrible credit score. So they allow you to deposit your own money and you get charged interest on your own money to build up credit. So I deposited $200 and things were going just fine. A few months down the line Capital One offered me to up my credit to $500. Meaning I have an extra $300 of real credit available and $200 of my own cash in the card. But when canceled my card they said I was going to get my deposit back and they only refunded me $49 out of my $200. They are sure making a profit out of other people's money. Capital One is Stealing my initial $200 deposit.

I made the mistake of purchasing a lottery ticket with a Capital One card. I was unaware that this constituted a cash advance, and when speaking with customer service, I was quoted the terms of agreement signed a decade ago. There is no such thing as a gesture of good faith with this company. They have no desire to retain customers.

Used Capital for taking a Mediterranean cruise, got overcharged in Croatia restaurant and Capital One keeps refusing to protect me from a bait and switch scam at Proto Fish Restaurant. We are still going back and forth trying to settled it. Won't use them again!

I requested an increased line of credit. I received a form letter declining my request with the reason "average monthly payment has been too low". Since my monthly payments have ranged between $500-$1000 per month for the past year, this is clearly an inaccurate assessment. I've called and 'chatted' with this company a minimum of 5 times to determine what they are using for information to review my account. The reps and managers can see exactly where I have questions and concerns, and they have ZERO ability to refer me to a department or give me any credible information as to the source of their decisions. I have a credit score of over 800, years of credit history and I pay hundreds of percentage points over the minimum required and I have never had a late payment. I look forward to paying the remainder of my balance and NEVER using this card again!

My husband and I have used the Capital One credit card for years. Since the very beginning the system was unable to understand that both of us need to EQUALLY access or monitor the activity on the account. My husband (the primary on the account) has called repeatedly to try and make ME the primary or somehow enable both of us to act as the primary so that I can make adjustments to the account. I too work full time and pay all of the bills. My money is used to pay the bills too but the system somehow won't allow me to make the necessary adjustments to the account. We have tried and tried to get them to understand this calling, writing etc. but they just don't seem to be able to make the necessary changes to enable me to call and make adjustments.

I have had a Capital One Master Card for a number of years, always paid on time and have had very few complaints -- until June 30, 2016. I was a few days away from taking a trip overseas when I discovered that my Capital One Master Card was missing, I take very few credit cards with me whenever I travel out of the US and like to use Capital One Master card as they do not charge a foreign transaction fee. So I called Master Card right away and asked for a replacement card. I was told that due to the long 4th of July weekend they could not get a replacement card to me before I left the country on July 05. We arranged to have them send my replacement card to my hotel. I gave them the address and they asked me to contact the hotel and tell them to be on the lookout for an express package for me. Reassured, I took some cash and left on my trip. A BIG MISTAKE.

Let's face it, there are millions of Americans who fall behind on debt. Car loans are one of those debts which are very common to fall behind on. I happen to be one of those people, and I do my very best to get caught up, but when expenses pile up and you have 3 kids, it can definitely be hard. Capital One (Auto Finance) makes it extremely hard. They harass you by calling 10x a day, and the biggest gripe I have is if you fall behind on your loan - THEY BLOCK YOU FROM LOGGING ON TO YOUR ONLINE ACCOUNT TO VIEW YOUR LOAN INFO.

I use my Capital One Mastercard when abroad for two reasons: 1) no foreign truncation fee and 2) the collision damage waiver is covered if the damage waiver is declined from the auto rental company and the entire charge is placed on the Mastercard. Well, I rented a car through Europcar in Spain and charged the entire amount on my Capital One card. I damaged the front grill/bumper by hitting a high curb.

Capital One is the worst credit card company ever to reach the face of this earth. Customer service was horrible, I was on hold longer than them actually trying to resolve my issue. On top of it all, my rep has an attitude and continues to try to talk over me. I would recommend this company to no one. By far the worst experience in every aspect. False advertising from every corner. Then they try to lie about no hassle. I received phone calls for a week straight because I had a payment due of 142 bucks.

So... I've had Capital One for 3 years and never had a problem. A few weeks ago they sent me a new card with the chip to replace one of my platinum credit cards. I didn't know that this was being sent and I didn't ask for it but I went with it. I went to activate it and found out that "Because of fraudulent activity I need to verify my information". Not only did they black a hold on my accounts they also did it on my other 3 cards. So I sent them the documents that they requested and never heard back. They kept telling me to send the information back to them and I did. When I did the 4th time they said that it can't be verified. I went to my lawyer and called my bank verify my identity at the Capital One 360 Bank.

After being sick myself and taking care of my husband who had Parkinson's I started going over my bank statements and saw that capital one had been taking money out of my account for 20 months. I had my bank give me copies of all the checks and they sent copies to capital one. I tried calling them today and was told there is no number to investigation dept. for me to call. So if they had me send papers to investigation dept. why don't they have a number?? They said I would have to just wait. After reading some of the reviews of others that have had problems with these morons I'm really p----- off. I have to wait, but they were quick to take my money. This company needs to be shut down. I'm calling the B.B.B. Others should do the same. They are guilty of credit card fraud.

I opened my Capital One CC in January of 2014. After about 8 months they sent me a new chipped card and did a poor job communicating because I never expected it and tossed it with junk mail. 2 months later my cards just stops working. When I call and they explain what happened, I was okay with this and had them send a new card... It never arrived. I called a 2nd time, and they inform me the address change I gave them didn't get input correctly and the card was sent back to them. So again I update my address with person and another card is re-issued.

They will only steal from you if they get the opportunity and they have that opportunity 24/7... I paid off my account and the next month they still charged me a fee.

In June I received a phone call supposedly from Capital One asking for personal information "to update their records". I considered it a phishing expedition and refused to give the account info. I then called Capital One to ask if this was a legitimate phone call. Their fraud department insisted no one from Capital One ever asked for personal information in this manner and congratulated me for not giving out the info. I received a second call similar to the first about a week later, and hung up on them.

Twice now I've been charged a $24.00 late fee because my payment wasn't received on time, despite the fact that both times I put the check in the mail 8+ days before it was due (and no holidays to slow it down). It only had to cross a single state from Missouri to Illinois! Most recent example... payment due the 24th... went out in the mail the 16th... 8 days ahead of time but somehow it wasn't posted to my account until the 28th!! 12 DAYS TO CROSS A SINGLE STATE?!! Plus I had to pay the fee each time because they REFUSED TO REMOVE IT! LOL!!

We opened a Capital One account in 2011. I became ill and was hospitalized, our income dropped drastically. We called them and explained the situation, we made partial payments for 3 months, they began regular payments again. One year ago I turned all our credit cards over to a consolidation, and it has been a big relief. The problem is that no one can deal with Capital One. Once credit cards are put into a consolidation, they are supposed to be marked closed and noted that they are being paid. Capital One refuses to do this. Our credit report has one delinquent credit report - Capital One. It shows we missed three payments, and since they refuse to mark it closed, it counts as using 31% of our credit due to the balance of only $577. They agreed to the terms of the consolidation, but they never show an account closed unless it is paid in full. For this reason, we have been denied our home loan. Probably my last chance at ever getting a new home.

I requested a lien release for a loan that has been closed since 2010. They have had the information for over 3 business weeks. I have been told the department has no phone and I cannot talk to a manager. The only form of communication is email and fax. They have emailed me twice to say that my information will be processed in the order it was received. They will not give me any other information or a person responsible for the lien release. Every time I've called in they give me a different excuse and I talk to a different service rep. The house this is on has been sold and closed on July 1st!!! The title company is holding my money because we cannot prove the lien release. I am begging for help on this situation.

I pay at least double auto payments & extra payments every month on both of my Capital One cards. I am being charged so many fees and interest charges that I can't get the balance down. I read terms carefully. I didn't see this coming. Had them a couple of years. Only charge if I have to.

I read bad reviews on here about Capital One. They're the best company I have done business with! EVER!!! I bank with them, have a brand new truck financed with them. I have two credit cards with them! I pay my bills before they are due every month, and I have never had one problem!!

I have the same thing happening as another review. 6 months ago I had $2500 worth of charges on card. Capital One noticed it immediately and canceled the card and blocked the transactions. Now I'm paying monthly fees on an account I had a 0 balance on. Over the weekend I received an email that the account was past due, so that goes on my credit report. I've called them several times... idiots.

I found out my identity was stolen by a bad mark on my credit report from an account with Capital One that was sent to collections for nonpayment. I called Capital One and after being passed around and around trying to get someone who speaks English and understands me I reported the issue. 3 months later - I am still dealing with this fraud card. They have sent 3 sets of documents to my home with someone else's name on them so I can't complete the paperwork needed for the fraud charges. Today I find out that they "closed" my case because the phone number and mailing address were verified when the card was activated. Well of course it was - my identity was stolen! So I am having to fight with them to reopen my fraud case - meanwhile this is sitting on my credit report and destroying my credit. They do not care about you as a customer and are very unwilling to help you when you have a problem. Stay FAR FAR AWAY from this company!!

This has been by far the worst customer service treatment I have ever received. I work as a call center agent myself and the one thing I hate most is having to be on the phone on my day off. I am trying to rebuild my credit and so thinking I had plans for the 4th that I would make my payment to Capital One and use my card so I can build my credit. I made my payment only to find that my available credit was still at $0 on a $300 limit. I was confused since a payment had never been held before the fraud charges on my card.

Please don't believe that this bank has adequate or reliable service. I realize that there are low fees, and attractive websites, but the services are erratic and unavailable. There are links to services that have not been designed yet. Payments are not received on (or near) the dates specified. Customer service is a grueling wait. Expect arbitrary shut-downs of accounts without recourse (see "grueling wait" above). Please recognize that this is a beautifully promoted bank, without services to maintain customers.

Every time in the five years I used this card that I paid off my card in full, in order to take advantage of no interest, they block my card and make me call and send them all kinds of paperwork from my bank accounts and they ask all kinds of questions as to why I made an usually large payment. They gave me a little $300 credit limit and told me that they would raise it every six months, and then they only raised it to $500 limit on time. They don't want you to pay off your balance and they punish you when you do so because they want you to keep you balance high. Waste of time. They purposely do this to keep you from using the card so you're less apt to pay your balance.

Brief rundown after more than two weeks of daily phone calls:

Noreen customer serve supervisor stayed on the phone with me for over an hour trying to correct a balance transfer from Capital One to Citi Bank. She never left me to try to get the transfer corrected. Citi hung up on us twice!!! Capital One was great!!!

When I asked to apply for a credit card for someone who has bad credit the first things that showed up under that category was Capital One Credit Card!!! Well I went in to apply for a credit card and they denied me even though it said for bad credit to help rebuild your credit! I don't have the worse credit around but I have a low score but it is over 600 in some bureaus, but even with that I still got denied! I am even working to clean up my credit but I guess that don't count for nothing!!!

This company waste my time. I got pre-approved with a new credit card. They didn't send the new card. They ask me to call several times, wasted my time and I ended up just cancelling the account. This company doesn't know how to take care of their customer. They don't deserve to have a good client. Very unprofessional.

This is a very unprofessional company from my dealing - made up of dishonest, ruthless people starting at the top, that is why the CEO hides from his Customers and the Public. He does not and will not face the actions of his company. BE VERY CAREFUL. They will do anything to hurt your credit rating. Look at the complaints files. This company should be removed - shut down just like the BANKSTER of this Country.

Capital One said there was fraud on my account and now I can not access any of my money from checking and savings account. I am still waiting to hear from a Capital One investigator. It has been 3 days. Still nothing has been done and can not get into my accounts. DO NOT BANK WITH THIS COMPANY.

The representatives did everything that they could to delay the paydown so that they could get interest.

I had called to cancel my cards since they have an annual fee and I don't use them anymore since I have cards with no annual fee. The person that I spoke to offered to waive the fees if we did not close the accounts. Thinking that maybe we might use them again, I agreed. My wife and I have 4 accounts with a zero balance that they offered us this on. We called before the due dates so there would not be an issue. Since I had no balance I had no reason to look at the statements.

I opened a Secured Debit card with Capital One. For those of you unfamiliar with secured debit cards its basically only for people who do not qualify for a real credit card due to horrible credit score. So they allow you to deposit your own money and you get charged interest on your own money to build up credit. So I deposited $200 and things were going just fine. A few months down the line Capital One offered me to up my credit to $500. Meaning I have an extra $300 of real credit available and $200 of my own cash in the card.

Buyer beware when online app. for this co. I successfully opened a 360 checking account only to find out they closed it with no explanation. Called customer service. The agents were rude and hung up in calling back and after extremely long hold time the supervisor I spoke with asked all these weird questions. And after all that "Sorry we can't verify your identity." What a crock of you know what. Other institutions will let you know within 60 seconds of filling out an app. if you're approved or not. The manager at Capital One was condescending so do not do business with Capital One. After reviewing many reviews it's beyond my comprehending why they are still in business.

I arrived at an ATM machine at 2:10 PM, 6/4/16. I was there to deposit a $25,000 check in to my business account. After entering my pin #, I received a message that something like: "we're sorry but we will not be able to return your check to you". I stood and stared for about 2 minutes because I was unsure what this meant - since I had not yet deposited the check. After the 2 minutes, I decided to cancel the transaction and nothing happened.... for another 15 minutes, as I continued to attempt to cancel the transaction. I wasn't able to leave the ATM because I was concerned that it would suddenly start to work and someone would come along and retrieve my card.

As a long time customer of Capital One, I've had a problem where your bank has repeatedly overcharged my account just so your company can collect late fees & interest on an account - even when the payments were received (by you) a full week before they were due, but the payments were not posted to the account until after the due date.

My card been declined. I called it in and she asked me 3 question and the cashier was waiting and she said the system is slow and she waiting on the system, I answered them all correct but she said the system refused it. That's why I will have a court order to send me the phone call recorder and all the answer she entered it in the system. It's not my mistake if you hiring people don't speaks English and she entered the wrong answers or having a really bad system. Then they asked me to send them a pictures of my social security and ID and bank statement and that will take them 72 hours to review.

I have had a Capital One MasterCard for a few years now and 3 times my card number was stolen. I called immediately and true to Capital Ones' policy, I did not have to pay the charges. One was an incident in which somebody was buying online and shipping to multiple addresses with multiple email addresses. There would have been additional charges every month for subscriptions and I would have been bankrupt within days. Everything was deleted and a new card mailed out. Also, charges were for an international hotel in Canada and I live in the US. Even though everything was taken care of in the past, I was so worried that I would have to pay the charges that I told the representative that I could provide an ironclad alibi as I was at work.

It's very inconvenience for me waiting 5 days for my CC to be restricted again. I send all the documents and whatever they want to have and still my account is restricted. I talk to their so called customer service person and as for my experience she just don't care if they lose a customer. I understand that this company just want to protect their investment or whatever but if there no customer there know you. So think of it. I might be one but if people asked me about what I experience I will probably say "Don't go Capital One."

On April 4, 2016, Capital One, chose to close my credit card account. They said they are not required to tell me the reason and the only explanation they gave me was, "Past, Present, Pending Legal Action." They also said that they do not have to have a reason. They can close the account any time they want. When I asked what it was they said "Contact your county clerk's office", which I did and there is no past, present, or pending legal action on me at the county clerk's office. I have a paper stating that.

Unfortunately, it gets FAR worse.

I admittedly had an outstanding balance I owed and was in collections. One day I get a letter in the mail stating my outstanding debt was being discharged and that I would receive a 1099 tax form. It did not say why it was being discharged but I was happy but naively thinking my debt was forgiven. I never questioned it until a few years later while trying to buy a house. The lender called me telling me there was something wrong and I better call Capital One ASAP because I was listed as deceased with all of the major credit bureaus. So I call them to find out what was going on. Starting off they were so friendly and helpful telling how good it was to hear my voice and congratulating me on being alive. They were fast to correct the issue notify the credit bureaus. Great right? Nope.

Totally inept, unprofessional and a waste of time. DO NOT DO BUSINESS WITH THESE PEOPLE! They falsely put a fraud alert on my card when I first got it. After 5 calls and sending them 5 forms of documentation (DL, SS card, address verification (2), a utility bill), and being on hold 45 mins each time, they still kept me waiting 3 MONTHS. I finally cut the card up and will be changing banks so I will be also withdrawing my significant savings. WILL NEVER DO BUSINESS WITH THEM AGAIN.

I complained to Capital One about their practices in 11/2015 and at that time told them to close my account and to send me a final bill. They sent me an email detailing the amount due in 11/2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time. But did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what went on. So all their correspondence is one sided basically except for email and the billing notices. People stay away from this bank. Worst company I have ever dealt with.

On or about November 15, 2015 I started the dispute process with Capital One in regards to office furniture purchased and damaged during the installation process. I told Capital One that I had attempted to resolve the issue with the merchant to no avail. The 3 transactional charges exceeded $50000. The dispute department, after I submitted photos and backup documentation, issued the dispute and credited back my account. Then the journey began.

I disputed a large charge on a Quicksilver card. The company that made the charge responded with documentation that contained no names, no signatures and was not on company letterhead. I tracked down the company's address and found that it was a mail forwarding service. The company's website had false names for officers. Still Capital One took the side of this disreputable company and stuck us with the charge. Capital One is okay letting crooks be merchants.

I had a fraudulent charge 6 months ago that I disputed and it took 3 months and 6 phone calls averaging about 75 minutes each to get the fraudulent charge resolved. So I thought... Fast forward 2 months and Capital One decides to let the original merchant charge my credit card again??? These idiots at Capital One did not block the Merchant that was stealing money from me the first time they tried and let them charge my card again. I have 6 credit cards and have had over a 20 year credit history. I have never had an experience like this with not only a credit card company but any company in the world.

When I need a giggle I read ConsumerAffairs. I'm amazed that some others are amazed when banks act like banks, credit cards act like credit cards, ** people act like ** people, etc. "My card would default at 150 days no payment. I paid way before that - 122 days (**) and my account is still locked." You go over 90 days with no payment and you confused they closed your credit card. "I paid my bill like I normally do weeks early, but this time I paid on the due date at 8:30pm by phone, but the cut off is 8pm. I guess I'll eat the late fees. So much for customer service huh..." "I been a customer for 20+ years and didn't get a statement and forgot to pay bill and that charged me a late fee for their mistake and they restricted me using my card until I paid the $25 past due amount. What a sorry Bank." You didn't pay your bill that you knew is due every 30 days when you carry a balance. So you mad or upset???

Naively, I fell for a computer virus scam. I paid $449.00 to a company going by the name of SoftWeak. I find them online as Infotech SoftWeak. The business address does NOT exist on Google Maps, nor Bing Maps, and the phone number to call during business hours always leads to an answering machine with an "unprofessional" message. I have left a message for a call back and Capital One has left a message to call back to dispute the charge. No reply from this "company". Meanwhile, they obtained access to my computer (because of my naivete) and the local computer repair company found malware, keyloggers, viruses, etc. This was a BRAND NEW computer I ordered from Dell Computers... I had yet to use it online.

I opened a credit card account with Capital One in February 2016 for my wife due to their multiple offers with 15 month 0% APR. So, I opened the account and she did a lot of purchases and boom, next month she was charged an interest. Called Capital One and spoke with multiple agents and nothing happened. So next day called again and insisted that I want to speak a with a manager. When I spoke with this branch manager, he was kinda lying that they can't find anything on their system about any offers and he told me that they will do an investigation. And it turned out that they didn't do anything but just let it go for the sake of their company. Capital One is baiting and switching their product and charge interest, and they are bunch of liars, and the manager was rude and disrespectful.

I have been using Capital One credit since 2010 and never even once late on the payments. Last year, they close my accounts for some stupid reason stating "non-consistency of personal and family use" which I was so angry. I even went to their branch to try to get a straight answer, but you got the same saying all over again and they even told you that you could re-apply after 90 days. I thought I was done with them.

My wife has had a Cap 1 credit card for several years, and there have been no problems until last December. Since then they have been delaying depositing the checks I have been sending them for as much as two weeks after they post them to my account. As a result, Cap 1's collection department starts calling me to ask where is the check, and trying to get me to sent another check. April 2016 is typical. On April 3, I made an e-payment through my bank, USAA Federal Savings Bank, to Cap 1 with an arrival of April 13. The due date was April 19. USAA mailed the check to them on April 8. I found out later in the month that they had posted it to my wife's account on April 11. But at about same time the collections department started calling every day asking where my payment was. I told them that they should have received it by April 13, but they said that they did not.

This has been a disappointment from the first attempt to apply for a personal credit card. Went through the arduous task of providing all the required information to apply for a card. I received confirmation that a card would come. It didn't. I called, and they said they never received my information. Had to reapply via phone. Attempting to pay my first bill early, they entered the wrong checking number. It was not my mistake. The correct information was in their system.

So I placed an order with a company, except this company charged me 2 different transactions which were not approved by me. It was after the store hours were closed. So I contacted Capital One Fraud Department, waited 30 mins to talk to someone. The girl told me that she could do nothing until the transaction cleared, and that I have to call back tomorrow when it cleared. I said that I called to notify them that this transaction is not approved and that I wished to dispute the transaction.

Capital One was using a credit tracker formula to give me a number for my credit score. I recently signed in online to make a payment on my account and to track my credit score. Capital One recently changed their credit score program. So when I checked my score this time, it HAD DROPPED by 85 points, which is bogus because my credit hasn't been impacted negatively. When I called a customer service rep and told him about this, he didn't know why the score should have changed so much. Neither do I! Overall, Capital One is just another seductive credit card usurer that preys on those who don't have money. Can anybody tell me why it isn't considered usurious and illegal by the Federal Government for a company to be able to charge 24% interest on borrowed money? I think it is outrageous!

I just got off from one of their "fraud" account managers earlier in the person of David. I am a victim of fraud, notified their bank of what happened, cancelled my card as well as deactivated my online account, submitted all the needed documents twice (although, every time I called them they told me I needed to resubmit the same documents over and over), and yet the issue has not been resolved after a month or so of calling them. They told me, after several attempts of relating the same incidents, that my account will be restricted indefinitely because they needed to get in touch with the person who is the scammer by the way!!! I'm not sure if they know what they are supposed to do or understand the issue at all. Oh well, good luck but I'm done with this company.

Had a scam committed on me and over 450 other people by the same company. I immediately alerted Capital One. They stopped payment initially and then reinstituted it. I was to prove the item was not worth the value that was sent to me, which would be impossible. I showed them in all sorts of ways that this company was a scam. Sent them all of the proof that I could acquire from the web and also my statements was well at 12 pages of other people's complaints. Did not receive anything but the bill. What a ** outfit and on top of it all, then I discovered that they have the LOWEST CONSUMER SATISFACTION AVAILABLE. BEWARE. They are not consumer friendly in the slightest. I canceled my account.

I have credited a sum of money into a beneficiary account holder of Capital One. Transfer was successful, but the holder claims that his account is being investigated by the bank and all funds were seized. Despite numerous attempts to call them and even by post, there has been no response from the bank at all. At a minimum, professionally, they should have at least attempted to reach out to me since I was the one that the funds were being transferred. Voice calls were useless as they would not entertain me since I am not their customer. Numerous mails sent by post went quiet. How could anyone have any trust with banks since no one would bother to explain what is happening? At the end of the day, every single penny is hard-earned and for this to just vanish into thin air is very painful when all I did was to comply with the procedures of transferring funds internationally.

I opened this account with the intent of adding a "Just In Case" standby for incidentals. Little did I know, I would go through trouble with the account just 1 1/2 months in! Making sure I don't go over 100.00 total with a Credit line of 500.00, I spent 92.00 total in my second month with this card. Keeping up with all of my financials and making payments early, as my due date for payment was May 8th, I made the payment at 8pm on April 20th (2 weeks early) which is a practice I use on all of my credit accounts. Well since I had a little overage, I decided to round up to 95.00. What I read in the agreement was that monies submitted after business hours would post the next day. Ok, that's fine. I know my money is in the account. So came 1:30pm April 21. No posting!

Never ever bank from this company. In fact, they should not be considered a company with their lousy employees. Do not bother faxing them documents because every time they will tell you they did not receive any documents. More surprisingly, they will tell you they received the documents and tell you one month later that they did not get any (of course, you will have to actually call the office because they never notify on anything). Do not bother waiting for a check to be delivered because there is going to be some kind of miscommunication between departments in Capital One. Their employees are clumsy as it can get. I cannot believe they have not been fired yet. Shame on you, Capital One. I am looking for a lawyer to sue your miserable company.

I have been with Capital One for a long time and was always very satisfied with them until recently. I received a letter from the IRS stating that we owed taxes on a settlement with Capital One. We never had a settlement at all with anyone and, while Capital One confirmed it over the phone, would not send anything to the IRS stating that they sent that under the wrong name. I have spoken to them many times regarding this and was promised calls back within 24 - 48 hours, which never happened. Canceled all my credit cards and will not do business with them anymore!!

I was a loyal customer of Capital One credit cards. I have an excellent credit score and have maintained good relations with all my creditors for 20+ years. My issue is when I moved, they cut off my card. They tell me a story about a "severe fraud issue" where someone called into the account pretending to be me and "knew the secret questions". To validate who I was, I needed to provide 3 forms of ID (license, SSN card, and 3rd form of ID). I don't have a SSN card so they tell me the only way to re-instate is to validate with a 3rd party bank. I go there, have my personal bank call the card company, they call back at the branch and ask for me, etc. to do the validation. They verify I am who I proclaim. To "prevent this" going forward, they give me a code to give them.

The credit card didn't help me much but I paid a lot of money for interest rate etc. Finally thanks God I closed it. Will never work with Capital One.

I have had several checking and savings accounts with Capital One for years. As our 6 kids have gotten older and needed the services of a financial institution we have helped them open their accounts with Capital One as well. I have owned several businesses and did all my banking with Capital One. Now we are medically retired and have closed all our credit card accounts and was only using check cards. During one of our visits to a Capital One Bank to replace our check cards so that we can combat fraud by getting new numbers on occasion we were asked if we would like to apply for a credit card. I initially refused but the bank employee persisted. I reluctantly agreed after I was informed about the cash back option if I paid my mortgage with the card and then paid the card. Everything went as planned for the first months payment from the home computer once we had help setting it up through Capital One customer service.

Capital One I closed and straightened out - even have a confirmation # of closed account. I never signed a agreement for them to take my money for payment protection on the initial $500 - credit score says still open and $ of $2,000 available - But it's still active a Mastercard. They took over Boscov's and still harass me. I closed it out the Boscov's account - it is always due on the 28th - I only use the account mostly for christmas. They keep doing the same thing - No closure of account and they keep racking up late payment fees on account and argue with me. Also care credit - OHIO for family dental in cherry hill NJ - I paid off the account. Sister and Mom said they would pay - I got the statements late - You know what I mean! Never got a payoff sheet to send in to straighten out my credit issue with them!

I have had a Capital One account for over 15 years. Just recently I was told there was fraudulent transactions being made on the account. We have checked the account and there is no new charges for years. Of course we are paying it down slowly. Very slowly. The customer service person that I called, insisted I give her some specific information, i. e. last four of my social, etc. I gave some info then became very suspicious and told her I would not tell her any more info until she told me what the "fraud" consisted of. She would not tell me. I have come to the conclusion that this entire exchange was just a ruse to get us/me to sign up for Capital One's "credit protection" plan. Or their payment protection plan.

After reviewing posted comments I thought I'd add my two cents. I set up bank account information for credit card payment. Initiated payment for two weeks prior to due date. Cap1 emails me stating my bank refused payment because there was no account at my bank with that number. All payment rejections cause your bank account to be blocked from further use, even if the rejection is a Cap1 transmission error, which they seldom admit. Thought I might have entered wrong numbers so went online at Cap1 to resubmit. Cap1 site rejected my resubmission stating no such account existed (which let me know I had given correct account numbers originally because even a one digit difference would have allowed entry of new banking info.)

Extremely disappointing as I have been trying now for three months to combine a Capital One MasterCard with a zero balance with another Capital One MasterCard that has a balance. The automated online process won't allow me to combine the accounts although I meet the criteria stated. Customer Service at Capital One is USELESS. They advise that this is a self-help site and although I meet ALL the criteria stated, I cannot combine the accounts. And furthermore they aren't able to provide ANY additional assistance other than to say "try again in the future". How frustrating!!! Amazing as to how it seems companies respond YET don't answer to their customers' questions.

Capital One agreed to reverse a total of $66.50 on my account due to a problem on their end. One month later the reverse did not occur and they charged me an additional $15.67 in interest and fees. When I called to file another dispute I was disconnected twice and spent almost three hours on the phone. I spoke with a total of 12 different people five of whom I gave my phone number to call me back if we were disconnected. No one called me back. I ended up canceling the card. Worst of all my FICO score dropped because of their screw up. I never missed a payment in 3 years of having this card and yet my FICO score went down as a result of doing business with Capital One!