Capital One Reviews

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!

I recently made a purchase of about $600 with my Capital One Quicksilver Credit Card then attempted to make another purchase of close to $400. It was denied. My wife then made the purchase with her card. I called Capital One and verified my account, then was told my account was good to go again. Within a couple of hours I tried to use my card again for a purchase of a little over $100 at Bass Pro Shop. It was denied again.

I got a Capital One card to rebuild my credit. However, the statements by the company cannot be relied upon. First, some descriptions of the card say that you can add to the security deposit but a Capital One representative told me that their system does not allow additions. Second, I paid my bill in full with a bank transfer. Before I made the payment, I called Capital One and they confirmed that I would have access to my credit by 8 a.m. Friday. On the following Sunday, my card was declined. The representative online and on the phone cheerfully informed me that "Oh, no, you can't use your card until we can confirm that the money has been received". I was 1500 miles from home. And, guess what, Capital One reps tried to call my bank on Sunday and couldn't reach the bank. So, then they left me stranded and gave me a mealy-mouthed bunch of excuses about why they had to talk to the bank.

Since February, I received notification from Capital One there was fraudulent activity on my card and they would send me a new safe card. As of April 3rd, 2016. I have not received the new card. I contacted the Fraud department and experienced the worse customer service possible. Each time, I was told my card was in the mail and to deactivate card once I received the new card. One day, I went to the store and used the card and the card was declined. Again, I was told they would reissue me a new card and reactivated my old card. Two days later, the old card was deactivated again and I still don't have the card. This is beyond comprehension. I spoke with a supervisor today who told they cannot reactivate the card because the new was sent in the mail. I am sorry... but wasn't this done and said previously? Please help!!!

I balance transferred from Bank of America in the amount of $3000 to Capital One. Unfortunately I did a mistake and made the transfer twice. At that point the only option was to ask Capital One to return the money to Bank of America. It is now three weeks past and Capital One insist that they have send the money back to BOA but Bank of America has not received it. So we have requested Capital One to show a complete report to us to prove that the funds were sent to BOA but they are only giving us one number which it does not read in Bank of America's system because the two banks have different system. So now I am stuck in the middle of two banks, one suggesting they returned the funds and one suggesting they did not receive anything. My $3000 is in Limbo land right now basically. No one knows what is the next step. Capital One representative have no knowledge whatsoever!!!

I was contacted by Capital One regarding 2 suspicious charges on my card that occurred on 3/24. One was for dining for $6.34 and the other for about $32 at a gas station. I called the fraud department to advise the charges aren't mine. They say they will cancel my card and reissue a new card and open an investigation. On 3/27 (Easter Sunday) I notice a charge for an access fee on the new card that I have yet to receive and activate. They say they will cancel that card and reissue a new one.

I have a Capital One card as my secondary credit card. Despite the negative reviews I've read since becoming a customer, I have had no problems to date. Easy to activate, regular clear statements and when I lost my card, they couldn't have been more helpful and polite, checking with me my last known purchase. I received a replacement card promptly and again, very easy to activate online.

My fiancé and I each applied for a new credit card and added each other as authorized users, her with Capital One and mine with another company. Well we get the cards and cannot activate because of fraud somehow. So we do as directed and upload State ID, SS card, utility bill. We threw in passport, blood donor card, library card and an extra utility bill just to make it count. Well 5 days later still not able to use the cards that we applied for because of a vacation. We leave for in 2 days. The fraud department cannot even tell us if they have received the documents.

No wonder they have a one star rating. After I opt out receiving their advertisement on a bi-weekly basis, they still send me junk mail. They're desperate.

I approved for Capital One MC with $75 deposit. After that I received a letter for going to the post office for verify ID then I waited for my password but didn't come. When I called to ask about it they told me "you have two DOB" which is not true. So I ask to return my security fund $75 and now still 3 weeks I didn't get it.

At some point in my college career I was offered a credit card for college students. I accepted the offer and have been a Capital One customer for around three years (give or take). I've never missed a payment and until recently I've always been able to pay more than my minimum. However, around Christmas each year I was given a significant increase in my credit balance. Being a student I already have many other fees I worry about (tuition, books, my mortgage, etc). It is my fault for getting the card and then using it.

I got a flier saying that I am eligible for Capital One credit card. It's been more than one month. Didn't receive my credit card but received the statement. When inquired, Capital One responded saying that the address is improper. Very improper communication.

I applied for a Capital One credit card a Quicksilver. When I tried to activate it they said it was on hold for fraud. Suspicious how is it a suspect of fraud I just got the card. I didn't have the chance to activate it. This is bs... I cut the cut up. Don't fool with these low down **. Get Chase Slate Card.

Trying to change my address to match all forms of my ID. Have called Capital One every single day, faxed items requested 3 times, and still no resolution. My card has been placed on hold and I have been placed in the fraud dept. I made one purchase for $19.99. Now I can't do a thing. Not even return the shoes. I have done EVERYTHING that has been required. I have kept a log of the date, time, person I spoke to, and a synopsis of the conversation. It has been a disgrace the way I have been treated. At this point, all I want to do is return the shoes and put this ordeal behind me. I am filing a complaint here, with the BBB and will contact my attorney for help. Luckily, I am not a child and I keep excellent notes.

My daughter opened (well has been trying to open) a Capital One 360 Teen Checking. She was so excited about having her own account! We went to our local branch to open her account on a Friday and we were told by the local representative to go online and open the account. There was no instruction or assistance, just a "no need to be in our branch" attitude. So we took her three checks and went home. I went online and tried to open an account and had nothing but trouble with the online product. I spent time with a representative on the phone trying to get my daughter's account open with no success.

I have been singled out by this company; after verification approval while out doing family shopping out my card was block again because they felt it wasn't important to contact me to voice their concern, prior after payment. It was very stressful using the credit not knowing after two purchases when they will place a security suspected hold. I also encountered a lot of customer service representative didn't speak English very well, nonprofessional. I requested to speak with the above English speaking command person half the time I called Capital One. As Capital card holders we was validated, threatening, discriminated against, and hung up on along with faxed documentation. After countless times over a 90 span and locked account, and unjustified excuses by Capital One, my wife and I decided to discontinue their service after paying the remaining amount due.

I have two cards from Capital One. I have always paid balance due on both in full earlier than due date. 2 months ago I changed banks and informed Capital One about the change over phone and online along with new bank info. I deleted old bank as payment source. Lo and behold the payments I made early and in full were sent through the old bank which they returned back to Capital One. The old bank charged me $35.00 for each returned payment ($70.00). When I seen online what Capital One had done I called customer service and was promised that it would be made right.

The double charge was due to the cancellation of a return flight from Phoenix for my wife and me by American Airlines, when all that was needed was a change of a flight to Phoenix. After an attempt to resolve this double charge for tickets with American Airlines, by phone and by letter, I contacted Capital One Visa. Capital One requested, in a Feb. 23, 2016 letter, a written explanation of the problem, along with a copy of the letter to American Airlines, by March 14. This information was sent by me to the Transaction Support Center at Capital One Visa in a Feb. 27 letter. I received a letter dated March 4 on March 10 stating that our letter lacked all of the previously requested information needed, and that Capital One was reapplying the charges and closing the case.

AVOID THIS COMPANY AT ALL COSTS! Over the course of my 6 month relationship with Capital One I have had issue after issue pop up. Each time they admit to poor communication internally and with me, but they refuse or are unwilling to resolve any of the dozen issues their ineptitude has caused. They finally sent me to "Brian" at the "Office of the President". They always touted the title like that alone should impress me. Only results impress me and I got none. The degree at which they have abused my trust and constantly lied to me is criminal. At the end of it all they've taken out double payments without my permission, called me multiple times for disputed claims, and made promises to return calls that never came. I'd rate them a 0/5 stars if that was possible.

On June 20, 2015 I called Capital One to close our account. We paid our remaining balance by phone, closed our account, and cut up our card. In October, we received a call telling us our account was past due. Concerned, we called back and were informed that “due to a system error” our account remained open. Not only did our account remain open, it was now past due as the result of monthly recurring charge set up against the account. Upon calling Capital One, they were very helpful, apologized for the mistake, reversed all late fees and finance charges and also indicated that the past due would not go against our credit record.

I received my credit card just a week ago and I have tried to activate it and it's telling me that it has fraudulent activities on my account so I called them so I send them in all my information and these sucker going to tell me that I need to have my bank call them with my account information. Now I remind you that the card isn't activated at all. I highly recommend that no one deal with this company because something isn't right and I clearly told them that I don't want their card nor their business and I want nothing more to do with this faulty company. They should be out of business.

After contacting corporate office, they apologized for the inconvenience and my card was ready to use again immediately. Thanks for rebuilding my trust.

On 2/18/16 I called to pay off the balance on my credit card of $3400. The representative took down the routing and checking account numbers of the bank account I was using and issued a confirmation code. My bank said the funds would be available by midnight the same day and I thought all was well. On 2/24 I went online to look at my bank account and lo and behold the funds had not been taken out by Capital One! What the heck! I called Capital One and they said the bank would not honor the withdrawal request because the Cap. One rep had said it was a savings account and my bank said they had no record of such a savings account... which was accurate as it was a checking account. I got on a three-way call with my branch manager and a supervisor at Cap One and the manager raised my daily withdrawal limit to cover the payoff amount which the supervisor heard.

I had an account with Capital One; which I paid in full in 2010. I called them on the phone, received a payoff amount; which was good for 10 days and sent them a check that same day. A year later I found out that they added $94.00 to my account and had been adding interest; which now I owe them around 300.00 dollars and has been on my credit report for the last six years. I would not get a card with these people as they only care about their profits.

My husband applied for a Capital One card to hold his credit further as we were hesitant because of the credit card sales pitch: you've been approved!! Well after tearing up several notices he decided to go ahead and apply as a way of extra income for the house. Well he was approved for $300 with an option to increase his credit after a few on time payments.

I was not helped by Capital One in resolving a dispute relating to a taxi ride from Pearl Harbor, Honolulu, HA, to a hotel in Waikiki, Honolulu, HA. I hired a taxi for 2 people at the Pearl Harbor Memorial taxi staging area, where you wait in line for the next available taxi (also waiting in a line at a curb designated for taxi pickups). It is approximately 12 miles, and usually takes about 30 minutes to complete the trip. When we arrived at the hotel to settle the charge with the taxi driver, I checked the amount, but neglected to notice that the amount was incorrect by one decimal point (it was rainy and somewhat dark at the time). It should have been $48.55, roughly the amount charged by a taxi company for this trip. I was charged $485.54. This is a math "error", and I disputed it with Capital One under my rights per the Fair Credit Billing Act.

Card barely ever works. Seems to only work 7 days after paying off the entire card every month paying for groceries or ordering on Amazon. Declined, declined, declined. Three times now I've order on Amazon Thursday night and should arrive on Saturday night but it's always decline. Get your ** next week.

I have have had 2 Capital One credit cards over the past 20 years. The original card of many years had only a $400 credit line and they refused to raise it over the many years, while at the same time I had a newer Cap One card with a big line of credit. It made no sense. So I closed the one card - which was of no use to me as I travel internationally quite a bit and I could not even book a flight with the card! My remaining Cap One Quicksilver card which I still use and have been happy with - their customer service was always very helpful and they did a good job monitoring for fraud. But today I decided I wanted a card, a better travel card with Cap One which would also include air travel, so I decided to apply for the Venture One card. I don't pay yearly fees for a card unless there are some good perks as with my Marriott or IHG cards.

Not only the credit cards have annual fees and the one who doesn't has high APR. The first agent didn't tell me anything about processing transactions or reward, so I got hit 30 later with a late payment fee. Then the second agent said will issue a refund, and when they transferred me to the rewards department, the agent told me that was not true. SO 2 agents 2 liars. I asked to speak with a supervisor, so he did, and guess what??? The supervisor hang up on me. Well I just created this account to share my experience. Stay away from Capital One. I was a customer for 3 years, not even one single late payment and this is what I get. Is ok.

I was offered a card to help rebuild my credit and activated the card on Saturday February 13th and I decided to check and make sure everything was in order with my account this evening and a good thing I did. I got in big red letters that my account was closed. I did some digging on the restriction number and apparently they close it for suspicion of fraud. How can it be fraudulently used when not a single charge or deposit has been made? I'm really at a loss. This is helping me rebuild my credit? Approving me and then disabling my account. Thanks for the additional negative remarks on my credit history. I'm very disappointed.

We don't have any problem. They make all the transfer without any problem. They made it in a minute and aside from that, they have a good and well informed customer service. Especially in their branch in Cresskill, NJ and the teller that help us professionally everything. You can count on them especially to ROSEMARY. Thank you.

I disputed a charge and the merchandise gave some documents. I wanted to respond but have to do it by direct mail! Not email not phone, mail. Worst credit card ever!!! (BT none of the customer service representatives speak English.)

Rate my experience? I see the stars, but where are the little ** to the left? I recently maxed out my secured card limit to the cap of $3,000 on December 28th, just before the policy change that eliminated the additional deposits ability. I had to make several large deposits in a short period to achieve this in time before the change. So, about 10 days or so after every deposit I called to verify that everything was good, and never received a bad report back from the Capital Accounting department with whom I spoke. I verified that each of these calls were recorded and are reviewable. I also received a letter each time indicating that my limit was increased. This was the end of December (2015).

Hard to believe asked 3 mgt the same question, got three different answers. While they were socializing while customers waited. Then the mgr was to send a bank wire and he couldn't fill out the form and submitted it late receiving penalties for the client. What a poor job of CUSTOMER SERVICE. Shame on you Capital One.

My account with Capital One was closed about 10 years ago. It was paid in full at the time. Today, I got a notice from my employer that I have a garnishment from Capital One!!! I do not have an open account. When my account was closed, I got a letter from some offbeat attorney in Richmond saying that I owed about $200. I asked them to provide me with a list of charges to account for this amount as my account was paid in full. I never heard from them. That was 10 years ago!!! How can they NOW come back and garnish my account without any notice to me? I have no right to representation? Very dishonest. Avoid at all costs!

I requested credit letters for both of my accounts. Received one the following day, through secure messaging on my account. Called 3 days later to check the other one. It was never sent to whoever handles the letters. And was told they only fax or mail. Will be closing these accounts soon.

I signed up for QuickSilver rewards card in December under the premise that there would be a $100 bonus if you spend $500 on it. Well I did so on the first month and I thought it would be credited on my account after the first bill has been paid. Nope, it wasn't. I contacted the chat representative and he told me I didn't sign up for "the bonus" because it wasn't a rewards card. Really? QuickSilver Rewards is not a rewards card? The card that had multiple advertisements left and right of the website stating there would be a $100 bonus if I spent $500 in the first 3 months of membership. He insisted it was the wrong card. Feeling offended by his blatant ignorance of English, I quit on the chat support and left them high praise for their stonewalling.

I used my Capital One card as a business card. My business did quite well. I spend NEARLY $300,000 in 2015 on my Venture card. I was never late. So Visa made no money off me. But I sure made a lot off of them! I racked up HUNDREDS OF THOUSANDS of rewards miles. Long-story-short, Visa finally had enough. They recently locked my card. Because they can't make money off me, and in fact, are losing money. Because I use their card a lot, and I always pay on time. They only want customers who can't pay, so Visa can make money off them.

I purchased a cashier's check from Capital One in the amount of $3,515 and then had to stop payment on it. I was told that the payment was stopped and my money would be refunded. They then called me and told me they could not stop payment on the check and I need to return the check to the bank to have my money refunded to my account. I did this and deposited the check into my account. The check was then rejected due to there being a "stop payment" placed on the check. When I called customer service they could not explain where the money went since the check was cancelled the money "should have" been refunded.

The following is to make people aware of the abuse and level of professionalism from Capital One and a true David and Goliath story. First let me express that I understand procedures. They are placed in an act or a manner of proceeding in any action or process; conduct a particular course or mode of action, any given mode of conducting legal, parliamentary, or other business, the sequence of actions or instructions to be followed in solving a problem or accomplishing a task. Being that said that has not been the case with what I am about to explain.

I went to use my Capital One Quicksilver Visa credit card today and it was declined. I then tried my Sparks card and it also was declined. I called Capital One and they said my account was closed today. I asked why since all my payments were on time. They had to transfer me and the person I talked to could only give me a vague answer, say that my usage was not consistent with household usage. I told them the other card was a business account. They said it didn't matter. I've always paid on time. They have a very poor way of doing business. Glad I wasn't on vacation or something and got stranded because I was using their credit card.

I have several Capital One cards. Never late. Credit has jumped over 200 points in 6 years. I have tried a few times over the past 2 years to try to have APR lowered. They are consistent at telling me that there are no current promotions or offers to lower my APR at this time, but they have other credit cards that offer a better credit rate than where I am at now (19.9%). My credit rate is at 796. When I first applied, it was at 600. I was ecstatic to get their card just to rebuild my credit again. I have other credit cards that consistently work with me each time and lower my APR regardless of how often I use them. FYI! Capital One only takes advantage of the weak. When you get better and stronger, they deny working with you anymore. So I will be cutting up my cards.

Applied for credit card and got accepted. Sent copy of my passport next day as could not input it on application because it was at home. Credit card pin and card arrived. Rang to activate it, here goes: Spoke to Capital One, he told me the account been closed as they had not received copy of my passport. I told him I had sent it and he put me on hold for 5 minutes. He then came back and said that they had received but the picture was not good enough quality. NOT once did they try to contact me by phone or email. He told me I had to re-apply. At that point, I told him not to bother and told him how shocking their service was. He really did not care. Why would I want to re-apply to a company who is this incompetence at the outset? Avoid at all costs.

I made a mistake and customer services were exceptionally helpful. I'm relatively new to Capital One but they have been great. People shouldn't blame the company for their own mistakes? If you go over your limit or pay late etc you can't blame them? Great company and helped/helps me when having hard times? Can't thank them enough and would highly recommend.

A bit of history. I currently have 2 cards from Capital One. My longest standing card has been open for well over 10 years! In that time being a customer of this company, I have never had a missed or late payment or gone over my credit limit. I carry 2 other credit cards with significantly lower interest rates and higher credit limits.

I received a check from American Apparel from Capital One and guess what? No one will touch this check. It isn't worth the paper. It is written on no check. Reader can read it and no one will take it.

I've had a Capital One Platinum card since the mid 90's. Never had a problem charging with it, but they really stick it to you every way they can. A few examples: once they received a payment late because of a bank error, no fault of mine. I spent a couple hours on the phone with both my bank and Capital One, they both declined to speak to each other directly. In the end, nothing got resolved, and I ended up with a late charge AND an APR increase!

I enrolled our company in Capital One's Business Credit Card program. In order to activate the cards I called the 800 number noted on the sticker. After the first call which consisted of being transferred 3 times and then being put on hold (I hung up after 8 minutes) I called back and was transferred twice more then a very rude service provider who argued with our company's owner and then hung up on him. We've decided to cut the cards up and not even try to activate them. No need to open an account with a company who couldn't even activate its own cards without a struggle. We never got far enough in any conversation to have a reference number for this issue.

My spouse is serving in the military and deployed off and on. I am in charge of the finances. We paid off three Capital One cards on my spouse account due to problems with them not adjusting interest rates. When faxed the info asked by the company also because we had always paid on time and never got any credit increases and were told we never would. They did take care of that issue quickly and nicely refunding the finance charges. During the holiday time we decided to used one of the Capital One cards with no balance. When we did it was denied. We called the company and found out all three cards were closed due to inactivity and the company never informed us they were going to just close them.

The following is my opinion based upon actual experience. Addressing a problem is similar to 'one step forward' then 'eight steps backward'. All personnel are undertrained, inexperienced, and convert simple problems into major problems that always take dozens of phone calls and hours devoted to complete resolution. They tell you one thing and then do another. They lie when it is convenient. After weeks of 46 phone calls and appx 7 hours of my time, I closed my accounts, they even screwed that up, failing to close my online/bills pay account, so more problems with returned checks due to their failing to close my online acct. If you want these kind of problems and enjoy dealing with incompetent people, this is your ticket. My replacement bank which I will not name, has done everything correctly, all communications are exacting, precise, and without additional problems. Everyone answering their phones are skilled, trained, and polite.

I am severely disappointed as to how poorly Capital One has recently treated my matter with regard to an honest mistake in a real life situation. Been a good standing customer with Capital One for few years. Never had a single late. Always paid my entire balance with each payment. In March of 2015, I had reported a lost card. I was told a replacement was to be sent within a week or so. As April came and went, I didn't remember to follow up with Capital One since they've never sent a replacement card. I also, that month of April didn't log onto my account to make a payment because I had not made a single physical charge all month.

I was not aware that my closed. I got no letter anything in writing. I always loved Capital One Bank. I have been with Capital One Bank a long time. I paid 100.00 to my credit day as of 1/07/2016. I was told by customer service rep. card been closed since Nov 2015. I got no statement other than what I need pay to put my account in good standings. I know I gone thru a lot but to think someone would close my account without no prior knowledge. I just don't get why.

I have been a credit card holder with Capital One (CO) since 2008 - nearly 8 years. I have a credit score over 700. I haven't ever missed payments or made late payments. Every month I pay an amount above the balance due. Some months, double the balance due. In October, I paid nearly $550 on the account. I have been trying to receive a credit line increase since August 2015 after realizing that I have had the card over 7 years and have only received one increase of $500 back in 2011. My other credit card has a $13,000 limit. Both requests were denied. I received letters stating the reason as "your average monthly payment has been too low," which is false.

Capital One is a horrible company. They lie to anyone to get the attention off of themselves and onto the consumer. My credit report is showing 5 late payments, 1 60 day and 1 90 day. I disputed this information with Capital One and the credit bureaus SEVERAL times. Every time I dispute it with the credit bureaus they tell me Capital One is reporting the late payments. So I contacted Capital One, more than 10 times. Every time I ask them to confirm that my account has no late payments nor does it have a delinquent status they do so and I print out the chat if it's online.

I closed my account w/ Capital One early November 2015. I called for 5x. Each time I was told it will be mailed. Thanksgiving has passed. Christmas has passed and New Year has passed - still no security deposit sent to me. Last call I made after Christmas 2015 to a Capital One supervisor - they will electronically deposit it in 2 days. That call was 12/28. It's now 1/4 and still no check in the mail nor electronic deposit. I don't owe Capital One any money but they are holding my security deposit for no reason for over 30 days now unable to explain to me why I could not get my deposit back. Is there any way these people give my money back to me. Are they legally to hold the money for no reason?

2 fraudulent accounts were opened under my name. I've been a customer for over 6 years. First of all doesn't it seem odd that 2 accounts were opened in my name within a month of each other? I thought credit card companies have better fraud tracking. My other credit card companies reach out to me if I buy at a store that I don't usually shop at, but Capital One NOPE!

I saw an ad for a Capital One Spark Business Card with a cash reward of $500 after you spent $4,500 in the first three months. Instead of the $500 I received $250 because they said that was the offer at the time. At the time I took out the card I saw the online ad for the $500 cash reward and applied within an hour. Make sure you apply talking to a person and not online and verify the terms. Have them send you a confirmation.

Capital One allowed an online company to charge my credit card without my authorization and after my explicit demand that the company cease charging me and that they cancel my account. The online company claimed to close my account but, in fact, did not, and they continued to charge my credit card up to $2000. Capital One refused to block payment to this company when I asked, which would have solved the problem. They said I could file a complaint to have the charges reversed. So I filed a complaint with Capital One, and, at first, Capital One credited me for the charges, but when the online company countered with lies (which I refuted absolutely with written documents showing I had ordered them to stop two months earlier), Capital One cancelled my credits and charged me in full.