Capital One Reviews

I have been using their cards for 5 months now. I was told after the five months that they would increase my credit limits but I could ask for increases before then. I have met all of the requirements for the increases and have never had a balance on any of the 2 cards I have with them. I have been denied with reasons that not even the representatives can explain. If your credit limit does not exceed your weekly paycheck then there is something very wrong.

I was on hold for 7 hours to report fraudulent activities on my credit card. I have had this card for some time and it used to be a very decent customer service. Not any more. They outsourced it to Philippines, even their fraud department. They became absolutely shameful!!! If your credit score's high, there is no reason to have business with such shameful company.

I am telling you guys do not bother with Capital One credit card. They are liars and no one speaks English. I told them to cancel my bank account that was connected - they didn't and it came back. They are a horrible company to deal with and even if you make your payments your amount doesn't restart. It is only the amount you paid which is not what I was told when I originally got this card. I can't stand this place. Don't waste your money on them and not to mention all customer service is rude as can be.

About three years ago I was offered a Capital One banking card. I was given a limit of at least $400 to start out with and diligently spent that limit up each month in full and paid it off in full so that maybe my credit line would increase and it might boost my credit score. Everything was going so well but I did call customer service at least twice a month to make sure I was paying on time or slightly before the deadline.

I paid my balance in full. I called to cancel my card. They said not a problem. Still fighting this company after 4 years. They charged me late fees ever since. I've been to court several times with them losing each time. They hire different attorneys to take on this outstanding bill when in fact they had received my final payment in full 4 years ago at which time I cancelled the card. They continue to harass me. They won't leave me alone. Don't ever open a Capital One Credit Card. They will continue to collect funds from your bank even after you've paid them off. I'm now working with the credit bureaus.

48 hours after I posted this complaint Capital One contacted me and we were able to resolve this issue. Thank you, Jonathan, for all your help with the matter.

I ordered a pair of Oakleys and a six-month subscription for hot sauce of the month club in November of 2014. Both orders went smoothly. Granted anything you order from their rewards takes almost three weeks to get, but the orders were within the allotted time. I asked for a return slip for the Oakleys twice and it never arrived (eventually sold them on eBay). I ordered two new cards in the fall of 2015 (with the chip) and they never arrived. I confirmed that they had the correct address. I then ordered an Amazon gift card with my rewards in November of 2015. It never arrived.

In July 2015 I paid off my Capital One credit card. I clicked the button that is for paying off the card so once the payment went through I didn't look at the account again. I never used the card and didn't plan too. Now, four months later I checked that email (it's an old one I rarely use) and they say my bill is due. I noticed the week before that my credit score has seriously tanked, and I thought it was from a mix up with my husband's bank and another account. It turns out when I paid off my account, it left .27 as a balance and they have been reporting that I haven't paid my bill in four months and were charging me $43. When I contacted customer service, they tried to argue the point but eventually got rid of the charges.

Opened the account with a transfer from a linked account. A transfer of funds is as good as cash. They put a hold on the funds for an extended period of time even though the funds cleared the linked account the next day. I spoke to supervisors every day for a week. Got nowhere! I wrote a check off the account and deposited it into another account with a different bank. The check showed cashed with a copy of the image with the Capital One 360 account but they also rejected it on the same day! I called 3 times, spoke to 3 Supervisors.

I called in to check on a payment sent to pay on my Capone Visa & MC. I sent these payments via 2 day priority and tracking states that the payments had been received my Capone. I called to inquire the status of the payment and the first representative passed me on to someone by the name of Kaia, who introduced herself and a senior status customer service employee. She said that she worked out of the Chesapeake, VA location. The so called senior person was rude, short, curt and talked over me again and again.

Credit card expired since July. I call more than 2 times still not have the new credit card like what they say in your wallet. By now nothing is in my wallet

My husband's ex-wife received a credit card in his name (Capital One) and used it to make purchases. I called Capital One and asked them to cancel it. My husband is no longer living and this was obtained without his permission so I want something done about it. To me this constitutes fraud.

I recently noticed a fraudulent charge on my credit card. This card has only been used to pay off a credit transfer and is not used. It would seem that Capital One has a fraud issue as my card information could have only been gotten from them.

Received a check from a customer, which was a Capitol One check. Upon going to a Capitol One bank to cash the check, I was told by the teller that Capitol One has to charge me $7.00 for cashing the check because I was not a Capitol One member. WOW!!! No wonder I'm not a Capitol One member, with policies such as these, nor will I ever be a member of Capitol One. Now, being the owner of a small business, I made a company policy to not accept anymore Capitol One checks for services rendered.

Credit card customer service refused to remove fraudulent charge to card for a significant amount of money three weeks before Christmas causing a delay in Christmas present purchases. Representatives were rude and one actually told me he could not tie up the line trying to resolve the fraud issue. Lastly, I was told federal regulations prevent them from correcting a fraud situation. They compared Capital One bank to Burger King and said they are required to give the benefit of the doubt to a fraudulent merchant charge. Terrible attitudes and condescending.

We recently had 3 credit cards through Capital One. One was secured with my own money. Two were unsecured. Capital one closed all three of my accounts. They closed my secured card 1 day after they received my check to increase my credit line. They added it to the account that had a positive balance already and still have not returned any of my money. They are thieves and liars. My GM BuyPower Card was closed the same day they sent me a letter saying I have a perfect payment history and they are increasing my credit line. I went to check out my balance online and the account was closed.

Sent me a card without me filling out an application! I had a Capital One account years ago. So I thought they were when I called them. They started selling me on the benefits of their card instead of apologizing and getting it cancelled. That made me think that they just do this arbitrarily. I am currently still on the phone with Capital One Fraud department. They are located in the Philippines and really could care less about fraud in a country that is not theirs. I have spoken to a Gabriela and her supervisor who both think it is now my job to get a credit report. I disagree. It has been 45 minutes on hold listening to soothing dentist office music. Capital One outsourcing their Fraud Dept? I think they seriously need to check themselves. Sending out a card without my consent, they need to be fined.

I've had a Capital One credit card for about 5 months. I paid on time & paid more. I requested a credit increase, I was denied. I was told if I paid on time for 5 months I would get an increase. They lied.

They contacted me about a car loan payment being due but I have never had a car loan with them. Somehow they connected someone else's information with my social security number--not fraud, but a mistake on the part of Capital One. Trying to sort this out through customer service, I've had to spend ages on the phone listening to automated recording after automated recording--there's no way to press through to a human being for ages. Fed up with the whole experience.

We went in to close my son's custodial account and open an adult account but in the process take out some cash. Since they were the bankers, please let us know how to do all 3 things. So the account manager sat with us and did a withdrawal slip, then the paperwork to close the custodial account, then tons of paperwork for his individual account. In the process she did not allow with timing of the withdrawal and then tried to charge us overdraft. It took 3 phone calls to rectify the problem. I have not yet received statements from each account for the period BUT I AM still not convinced that they solved the problem properly. During the phone calls, it was very evident that the person was trying to cover their actions, instead of trying to provide good customer service. I hope it was just that branch.

I have had this Capital One CC account for 8 years now, in excellent standing. Just because I added my husband to my Credit Card account and got the card shipped to a new place where I moved, the Fraud dept blocked my card. Well being a banker myself, I understand the protocol, but the verification just wouldn't end. The representative and supervisor would put me on hold for long, ask me so many questions, and just as I thought this would end, to my fear NO. Even after calling from my registered number and gave all the right answers to questions, they just didn't unlock my account.

I have a legal question. I owned a Direct Rewards credit card since 2005. My payments was always on time until I lost my job in 2008. Although I was not working, I received my unemployment check, the account still was paid on time. I made a payment online but it was not posted till 2 days later causing me to receive late fees and my interest rate changed from 9.00% to 29.68%. After this, the payments was not bringing the balance down and the Interest rate was extremely too high. I contacted the company to give me a settlement payoff or lower interest. They refused.

On Nov-03-15, I deposited money orders in my business account. I have money orders for two business accounts of different names, but teller deposited all MO into one account, and fraud department freeze my account, considering this a fraud activity. After so many attempts, I got the name of the Investigating Officer over my case, and I requested to call me back for clarifications and status of my case, but till Nov-19, I didn't get any call back from him, and neither my account get active, and my business money is still in the freezed account in front of me.

As usual, with large corporations, banks, such as these, they have your money and their treatment of their customers is pathetic at best. They have held my money on deposit for a secured card I have had for over a year, for the maximum limit. However they have had the deposit in their possession for the allotted time. And I am counting days from the point of deposit, the moment it was wired from my account. Again, as usual, no help from customer service. I will never recommend Capital One, and will remove and close my card asap.

Capital One's customer service has proven ineffective at resolving a dispute over payments made - an issue too complicated to outline in your 200 character guideline. They have made promises to investigate but never do and keep sending bills with interest attached. We will never do business with them again.

Do not apply for a Capital One credit card. if you have a major life event like a death, health scare, loss of job and you are late with payments or cant pay for a few months Capital One by rights can restrict your account. When you get back on your feet and pay your debt off and go to them for help to turn your financials around they will do NOTHING to help you. They are rude and literally say, "We are sorry we will have to lose your business but polices and procedures are just that." They do not treat you like a human being - they treat you like you are scum (literally). I am a nurse and care for the sick and dying everyday for 22 years and work 150% for every penny I earn. As soon as I was back on my feet the first thing I did was pay my debt off to them. I just wanted them to help me report the positive to the credit report and it was like you were asking them to hand out free money to everyone on the street.

I recently received my one card due to advise on online and as it was very easy to be accepted. Be warned the customer service is the worst I have ever encountered they sole purpose is to get every dime out of you. The info they give is redundant and just plain ignorant. Even though the minimum payment was set up they ask in a ignorant manner and retarded stated company culture of theirs that the minimum is not good enough!! The full balance should be paid asap! Idiots plain and simple. Now if you don't know your rights you might be in trouble. They are a shambles of a company that must be shamed, their employees nothing more than uneducated money grabbing monkeys! One Star is still a luxury for this evil corporation. Where's Mr Robot when you need him.

Up until the first of this year (2015) I was helping a friend with paying her bills. Having the only computer between us; I set up an account so she could see what was happening. As of January, 2015, she decided to pay and track her own bills. At that time, I had asked Capital One to remove her account from my computer; because for some reason I could not delete it. They refused. They said my friend had to request to have it removed. She did; in March, April, May, etc.. As of November of 2015 the account is still on my computer. It has very personal information (HIPPA type information) that is nobody's business. My biggest concern is if they refuse to take this off my computer - whose other private computer holds the same information or even is my information on some other private computer?

I received my C/C about a month ago and forgot to activate it until a week ago and today I got a bill in with a $108.00 charges and late fees. What the heck!! And then I get a call for the collections department wanting the money and I said to the guy, "I haven't even pulled the card off the paper much less use it." So after a long phone call I canceled it. Look people this company is trying to get you in money trouble so please stay as far from Capital One as you can. I feel sorry for the people that has actually used it.

A large wire transfer was initiated at 9 am EST for a family emergency with a guaranteed 7 pm EST delivery. They screwed up and it did not go out in their 'batch'. The funds are required by 9:30 am the following morning and Capitol One would not resolve their error. They open at 8:00 am and will not be able to have the funds to us until maybe 11:00 EST because they have to 'batch' them. Why not serve your customer and fix your mistake by making it happen by 9:00 am EST? We have wired and know that even going through the Federal Reserve funds can be received in less than an hour! SERVE YOUR CLIENTS AND MAKE IT RIGHT WHEN CAPITAL ONE IS AT FAULT!!! The question I ask myself is “Why am I keeping $100k with your institution…” The winds are changing.

My husband got this cc couple of month ago, it never came. We called customer service to have them send another one for us. We spent on the phone 2(!!!) hours with them. They kept transferring our call from one department to another. Apparently, somebody tried calling and using my husband's SSN, so they closed the account for a fraud. They couldn't even tell us what kind of fraud happened at the beginning. One of representatives said, "well we explained it to you when we called." They never did call! All representatives' answers were, "nothing we can do now, have a great day, bye." And they tried hanging up on us. When we mentioned $200 security deposit they said there is nothing they could do. Card never was activated or used. Card never was delivered to us! Last representative said that they will refund that money. It's been 4 days, they never refunded it!!

Capital One was informed on Tuesday that an improper charge was filed, 100 times more than actual bill: $21,000 versus $210. Vendor confirmed it was $210 on phone with Capital One and my engineering business. Despite reported fraud, Capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my $20,790. Of course vendor, a Holiday Inn, is not returning anyone's calls. I'll be taking my business elsewhere and suggest you do as well.

I was approached at Cedia in Dallas for a business card for the last 2 years. I gave in this year and was excited to get the deal. I am approved on the spot and sent welcome letters, pin number and credit card only to find out that I must submit SS card copy, driver lic., utility bill and bank statement. I sent in DL but these people are crazy. You should NOT approve someone and send them cards only to find out they have to jump through hoops. Now I have read reviews and I see they are pitiful as a company to do business with. Called numerous times and finally told that I could not speak to the supervisor's boss as they don't take calls. WTF. Customer service is nonexistent.

I received a letter today stating that an overdraft had been incurred on October 20th and that a fee had been charged. The letter indicated that $78,848.54 had been paid on check number ** (not one of our checks) with Trace id of **. However the account had much less than that amount and had NO overdraft capability. When I called the bank (800 support) I was told that I had cashed a check but when asked to give me information they said they could not pull up the check. I escalated the call and finally an agent told me that a certified check had been issued but they could not give me more details. I supplied my contact information and asked that this be investigated immediately.

Capital One's customer service is the worst I've experienced from any credit card I've had. Their online chat help is a joke and will only refer you to call a phone number no matter what your issue is or how simple your question is. It is also painfully obvious you are typing to a bot and not an actual person like they claim. When you do call for support or customer service they never have answers and will make you create a claim/case with their "supervisor" that will take them a minimum of 4 business days to get a response for. So if you are ever hoping for quick help or resolution to an issue with the card, just kiss that hope goodbye.

Capital One didn't tell me when my bill had to be paid. Not in a statement or online (I got a bill the last week of October that said 11/2/15). When I check my credit report I found out that Capital One report to the 3 credit bureaus that I didn't pay my bill. Somehow Capital one said it had to be paid 10/15/15 but that is not what I got in the mail or online. My bill said 11/15 not 10/15... You have to watch Capital One. They dirty.

For the last year and half, Capital One MasterCard has charge unauthorized charges to my three credit cards. After a lengthy and prolonged phone battle with customer service, and closing one account that had a cash security I have become faced with the same problem again. Unauthorized charges made in May of this year and instantly denied and proper procedures followed were removed and credit was given. I received an email from company making the charge recognizing the unauthorized charge and apology.

I have two Capital One cards. I've had the one for years and recently got a Quicksilver. I get the statements online. I check my account often (my son and his girlfriend stole my ID - I didn't file charges and caught everything, but I now check all accounts weekly). The app is wonderful. For people saying your due date changes... yes it can. However, if you are checking your account statements when they cut you should know this and have plenty of time to plan.

The worst customer service I ever got with Capital One. They give wrong information about your account. They don't give you upgrades on your account or anything and even their corporate office don't do anything also.

We took out a five-year fixed-rate home equity loan with Capital One in late 2009/early 2010, to buy an additional house. We have not been pleased with the payoff process. It seems either really inept, or, purposely arranged to cheat us. We could have paid for this property in full, outright, but we shopped around several lending institutions and settled on what looked like the best deal; a 5-yr, fixed rate, low interest and low closing cost loan from Capital One. We asked the loan officer at the time, MANY different ways, about the terms. We were to pay the same amount each month, spread over 5 yrs, and we chose to auto-bank-draft. We missed "0" payments.

1 star is saying quite a lot. If I could give this company No stars it would be more sufficient. Opening up this card was very easy, stress free and to start using it was amazing. I do not need a credit card, I simply opened this card up due to close friends' recommendations. Friends that make money and whom I trust their opinions.

I applied for a Capital One journey card to rebuild my credit. After numerous times of being turned down by my own bank after filling out applications they gave me, I was accept by capital one. They were fast and gave a reasonable credit limit to start. My credit has risen to the 700's and good status thanks to them. They allow me to link to my bank acct making payments simple. So far, only good things to say.

I applied for a credit card and they have requested documents such as a photo ID (copy of my driver's license), social security card, etc. to verify my identity. I am reluctant to send this information! Do they request this information on all applicants?

Very dissatisfied, upset and out of a card for my trip due to Capital One's horrible customer service and compassion less experience. I opened a credit acct with Capital One and was awaiting my card in the mail. After 5-7 business days as promised I called to ensure all information was correct and was told to wait until Thursday 10/15. Friday I contacted Capital One. They told me to wait until Monday 10/19. Tuesday I contacted Capital One and told them I was traveling outside of the country, really needed my card. They offered to expedite it 2-3 days and then the call dropped. I called back to ensure this was processed and the representative told me that she sees it was requested for 4-5 business days which was not what we spoke about previously. She said for further expedited I would have to speak to a supervisor so I did who was the rudest person I have spoken with, did not seem interested, did not want to help me.

Well I was late on my payment few months and they sent me letter saying if I make a payment and bring it up to date things will be back to normal. It will not affect my credit and I will be able to use the cards again but soon as I made the payment my accounts were restricted. I called Capital One and account managers said they are permanently restricted. When I spoke to their agent online before making payment she assured me that account will go to normal but it's not. I feel cheated. I will make sure that anyone I know never use Capital One for any of their credit need or even for their personal account needs.

I have been a Capital One customer for over 10 years. My payments are always and have always been on time. My income is nearly $80,000 a year and my credit score is 692. My payments are always 3 to 4 times the amount of the minimum payment and have been for a few years. This is my one and only credit card and my credit limit is $3,000. I have never, in the plus 10 yrs having this card, asked for a credit increase until a couple weeks ago and was DENIED. Capital One's letter stated that my monthly payments I make are not high enough. Then the customer service rep said that wasn't the reason but that I didn't pay off, in full, my card, often enough.

I received two notices last December from a local city marshal that two garnish orders were being served on my employer for Capital One. When I questioned this, I discovered that two lawsuits had been filed against me almost six years previously. I complained to the Queens County Court who instructed me to come in and fill out Orders to Show Cause. One was approved and resolved the other denied.

I have a card with them. They kept bugging me to take out another with pre approval letters. I finally said fine, and applied. I have a fraud alert on my credit. This has never been an issue before - provide documents proving identity no problem. They sent me first letter asking for these documents. I sent them and waited. Got an email saying I was denied. Have to log into their system to find out why. The reason - they couldn't read my documents. How rude!

I applied for this cc and was approved initially to receive an email stating that there were alerts set on my credit report that needed to be removed, and they would send me my new card. Well after weeks of going back and forward with all 3 bureaus, it was determined that there was no blocks or alerts. Well I gave up and decided I had no more time or energy to waist. Called back yesterday and was told that they did not show a hold on anymore of the accounts, but that I needed to apply again and I would have my new card within ten business days. Well, with a better credit score, more revolving lines of credit that are well below ten percent, income higher, I was denied. Although I usually recommend others to get Capital One because of their ethics, I am seriously disappointed and will not recommend my worst enemy's mother-in-law to that company ever again.

Do not open a retirement account here. In fact do not open any account here. There are no personal banking people available other than people that are new to banking. They know absolutely nothing about investing. You will find a teller though if you use the bank to deposit or withdraw funds, but as far as anything else, be prepared to get a list of phone numbers and robot responses. I made a big mistake in opening a retirement account. Any information on my portfolio is not available. STAY AWAY, you been warned.

I received my Capital One Quicksilver card 8/22/2015. I paid $50 9/3/2015, $25 on 9/4/2015 and $10 9/25/2015. My first bill was due on 10/5/2015. So I am concerned when I check my account and it shows PAST DUE, so I call. When I call a very nice woman says she does not know or understand why and explains I am not past due and credits the $25 late charge. A few days later I check and I AM STILL SHOWING PAST DUE! So I call, I reach them and the woman says "well you paid $10 on Sept 25th and your minimum payment is $25." I say "well what about the 2 payments in the beginning of September??" She then says "oh thank you for pointing that out. I didn't see that." Then transfers me to an "account supervisor" who tells me my bill cycle ends the 8th of the month and the earlier payments were for Sept.

I've had this card (Aspire Travel) for 15 years and my credit limit is still 3000. I earn well and all my other credit cards already gave me 10,000-20,000 limit (I've had them for 2-5 years). I've never had a single late payment in my life. In Capital One they don't even have an option of requesting a review and asking for limit increase approval - looks like they're still living in 1990's. Their rewards are useless, compared to the rest of the competition. It takes one 10 years of non-stop shopping to earn a vacation airplane ticket. The customer service is painful - most of them hardly speak any English (5/5 phone calls). I spend more time explaining my question in 5 different ways than receiving an answer. All in all - SUPER BAD. I've had it for a long time so I'll keep it active, but I won't swipe it for more than a coffee treat. Hey Capital One - it's time to Update and get in race.

I made a 360 savings account to start saving money. The trouble started that day. I was unable to login and make a username/password, so I called Capital One to help me login. The person that I was transferred to after waiting for 10 minutes was unable to help me and was confused that none of the things he tried would work. His job was a log in specialist and he was confused by his job. I decided to not verify the test amounts they sent to my personal bank. Despite this they continued to debit my account every month.

I contacted Capital One via their secure message facility on my account; I asked them to change the payment date of my direct debit from 28th of the month to the 1st of the month. They responded and confirmed that this change had been made and my payment would be taken on 1st October. The reason for doing so is because I started a new job with a new payment date.

I was offered a new account with this company. Nothing works the way it should with them. My payments completely pay off the balance each month yet there is a 10-14 day hold before the account is updated even when proof is given from your bank that funds have been removed from my account to pay them. Their system reflects the payment but does not reflect it in the amount available for use. You are therefore using the account for less than 15 days prior to payments being due. I cancelled my account with them. Very poor customer service and managers are not concerned with addressing the problem.

Amanda of Pennsville, NJ on Sept 19, 2015. I have exact same problem. I was about to finish with my last payment when the statement stopped coming in the mail. Nothing was changed because I was unavailable and used a third party to make payments. I had $158 in July which I was willing to pay in full but since I didn't receive the statement in August it was $177, and now September it's $215. I think they do all this on purpose hoping people forget and add outrageous fees. I also think this happened to more people than we realize. Please contact me if you had same problem, no statement in the mail.

Twice in the past 12 months CapOne has changed the due date on my account. Using the CapOne app, I went into my account on the original due date and made the minimum payment. It appears that their system can randomly change the due by 3 or 4 days. This then generates a new minimum balance by about $5 and moves the account into a past due status which they then charge a $25 late fee and report the past due to the credit bureaus. The most recent experience they did reverse the late fee. I actually think there was a third incident. I also have a friend who had the same experience.

Starting in June through September of 2015 I was paying my Capital One statement as I received my Social Security Disability payments (first week of the month). Upon doing so, this credit was being credited to the previous month instead of the month I paid, (billing cycle was 28th of month) and a twenty-five dollar late fee was being occurred. Contacted Capital One. Representative explained that I was paying too early. They did credit me back three of the late fees, but there are two more that Capital One refuse to return. Consumers should be aware of trying to pay your bills ON TIME is NOT the right thing to do... You will be penalized.

Asked a friend to help me out with some money he owed me and instead of paying me just post a payment to my credit card account with Capital One. He did a phone payment through his bank. It sat there for a week and came back NSF. Capital One decided to put my account on restriction. Never emailed me or called me. I called them and they transferred me to the fraud dept. They insisted that I have my friend call them to prove his identity in relation to his bank before they would remove the restriction.

Very poor customer service and technical difficulties. Every time I tried to make a payment online I could not get into my account. I would be told that my password that I know was my password was Not my password and I'd be locked out of my account then put on hold forever using up all my minutes and precious time till I'd get so frustrated and hang up. This would go on repeatedly over and over again and when I'd finally get through to someone they'd send me a worthless password that did Not work and the cycle would start all over again so that I would eventually be late on my bill.

I signed up for a Capital One venture card last December. I needed a card that was 0% interest for at least a year because I knew I was going to be putting a lot of money on this card but I had the money coming in later to pay it off. After a few months of purchases I looked at my statements and noticed almost $900 of interest charged to my account. I called "customer care" line and was put in touch with a supervisor who said he could not do anything to help me. I was just stuck with what I got. NO CUSTOMER SERVICE!!!

I had an emergency and needed to get some money to take care of family issue. Now I paid back the money I got from Capital One, but they were still charging me interest on the same damn thing over and over again. I called and spoke with some Ghetto Gal called Shantel and she told me that the interest will continue until the card is paid off. I told her that the cash advance was over a year ago and I had paid that off already. Shantel informed me that the balance from purchases was more than the cash advance so all of my payments were going to my purchases.

I had a Quicksilver card for a few months. I used it about once or twice a month for small purchases. I had an auto pay set up. After my monthly auto pay came out of my account, I received an email from Capital One stating that my payment bounced and that the auto pay was shut off. I called immediately that night as soon as I saw the email. The person I talked to said he could not see why it happened and to call back after the system updated. The next morning, I called my bank and found that the payment had NOT bounced and it was paid in full.

I called capital one 360 stating that there was a fraudulent charge on my account. They didn't do anything until I called the next day when the payment came out and my electric bill was returned due to this fraudulent charge. I now am unable to make payments online with the billing company and also have a late fee and returned check fee with them. They told me it would take 3-5 business days to get a new card which is normal but for someone who doesn't have a checkbook or a credit card this is really inconvenient. Especially when I got my card in but it was the same card number with just a different security code. I called them about this and they said it was a mistake and that they would have to send me yet another card! Needless to say they have lost my business and I WILL be changing banks to someone who is more customer service oriented.

I got a Capital One credit card (plat) which each month I overpay! Then I know my bill due on the 7th of the month & called Cap & asked why I didn't rec'v an Aug 2015 bill & now past due. Called them 7/8. They said I owed $170 which I paid 2 times on 7/31. It was cashed at bank & 9/7 bill never came. Called, told them I didn't 2 statements! 9/18/15 - Finally get a bill which is now past due on 9/11/. Don't owe them what they say! They cashed my checks, but we're not posting the 2 payments to cc! Now, I am being! I just want to cut it up. They will ruined my credit! Cap1 not sending 2 bills overpaid! I know that now I've paid 3 times the amount for brakes!

I called Capital One credit card company asking for a lower interest rate and was denied without a valid reason why. I have been a loyal customer for 3 yrs. I always paid my bill on time and paid more than amount required. I just recently paid my bill in full and my credit score increased to over 700.

Two payments were accidentally made to Capital One. I do not have a capital one credit card, I have a credit one credit card. Capital one should have sent the checks back to me but they cashed them and credited someone else's card with my money. A month and a half later, after talking to 77 capital one employees (yes I kept track, with names) I finally found the one who doesn't speak with an accent, and she solved my issue within 2 minutes. Why couldn't the first 77 customer care employees solve the issue. All they needed to do was return the money to me via a check. Never going to have a capital one card.

I've had my Capital One secured card open since June 2015, every payment that I've made has been placed on a hold. I made a payment on 09/11/2015. On 09/14/2015, I chatted with a rep who told me that my hold would be removed on 09/15/2015 8 am ET. On 9/15/2015, I checked my available credit at 9 am ET, no available credit. I called and spoke to a representative and she stated that she needed to transfer me to an ACCOUNT SUPERVISOR. This lady was AWFUL. I attempted to inform her that I my bank account is an international bank account from when I served in the military and that they would not be able to call, I would have to call the bank with them on the line LIKE I'VE DONE EVERY TIME BEFORE THAT.

I applied for a credit card twice. The first time I used my physical address but closed out the browser before I knew the application was approved so I applied again using my PO box for them then to call me talking about fraud - somebody has used my information. I received numerous of letters and phone calls for their fraud department. I sent in the required documents - they wanted to verify my identity.

I just applied for a Capital One Quicksilver Visa Credit Card and was approved for 10K and they hit me with a 22.99% interest rate!?!?! I contacted their customer service via chat and explained to him that I have a FICO score of over 800 with no late payments for years, have credit cards that are over 10 years old, hell one of them is over 20 years old, and even qualified previously for 0.0% interest for 60 months on my Toyota.

Came back from vacation knowing I had a payment coming up in 2 days. I usually mail in the payment, but knowing it would take about 6 days, I would just make a payment through Western Union. I called Capital One and the representative gave me a payment code and city, Capone/Va. easy enough. Went to my local supermarket and sent a payment. Got home and called to verify payment, was told, nothing, nada, no payment received. I then drove back to my supermarket, 15 minutes away, and the girl had to cancel transaction and get my money back because for some unknown reason, the money was sent to Co. instead of Va. She gave me back my money, and we tried again.

Capital One now allows customers to combine two credit card accounts! I followed the requisites to be able to combine my accounts including paying off the balance. After following the requirements, it hasn't worked. I called Capital One and they said to keep trying to combine the accounts online. If it doesn't work to keep trying. Seriously! I called customer service and they said the same thing, the rep even agreed that it's crazy to have customers do this when the outcome is the same! Capital One needs to be consistent. This is a horrible way to conduct business. Don't roll out a program that doesn't work.

I had a dispute in August of 2015 with the lead teller at the Capital One branch on Flatbush Ave in Brooklyn (The Kings Plaza Branch). I run a very successful business and make large cash deposits. Since opening my accounts with this branch he has been less than friendly and very weary of me. I reported his unprofessionalism to the Branch Manager after the incident this past August when he threw my cash on the desk and yelled at me for giving him damp money. I expressed how displeased I was with his service since I began banking at this branch and the solution was for me to call ahead of time and let the manager (Alexandr) know which teller I would like to work with so that I could avoid this particular teller.

First, I've had no issue with customer service. However, I paid two payments during the end of June. Both were double the amount owed. Did the same thing in September. Apparently, extra early payments do not apply toward balance owed. I thought I had my payments covered before leaving town. Not so much. Decreased limit because of late payment (which was paid early) and decreased credit line and credit score.

I received a pre-approved Platinum credit card from Capital One. It was accepted and I began using the card. I made about $2,000 worth of charges and made a $1,000 payment before leaving town for the Memorial holiday weekend. However the first time I tried to use the card, after my payment, it was declined. I called to find out why the card was declined and I was told it was restricted due to suspected fraudulent activity. They requested that I send them the front and back of my driver's license which I did. They said that the copies I sent were too blurry so I sent additional copies several times and even went to a bank for ID verification. Finally the restriction was lifted and I was able to use the card. I made one transaction and the hold was put back on and my card was declined again.

I was recently in the process of purchasing a house and when the credit report was given to me there was a note of late payment placed on my credit report by Capital One (the only late payment on my credit report) for a late payment that happened in 2012 which adversely and significantly impacted my credit score. I was not aware of any late payments, and even if I had noticed such an occurrence I would have removed it since I am usually proactive and would have found ways to remove such notes. However, I requested that Capital One help to remove this from my credit since this has impacted my credit significantly. Just to give you a sense of how terrible this was, I have worked with hundreds of credit card companies and this is the only complaint that I had for the past 30 years on my credit for a late payment.

I went over to deposit a portion of my check and they declined it due to not having my ID on me. I'd understand if I was a new client but I've been banking with them for at least 10 years. I've been with this same bank location since it was the "Trust Company Bank" then became "North Fork Bank" till it became Capital One... They could easily do a cross check with all the past check deposits I have made and yes my signature would match. They could ask me for my personal info such as SS number, birthday, address, etc and I'd easily be able to provide it for verification. But no; I was told to come back with an ID. The tellers didn't always ask for my ID and they had let it slide previously because I was a long time customer and or was able to provide verification information. So why the hell are they not able to do it this time?

Hello, I received a pre-approved letter from Capital One in which I had until 8/26/15 to apply. I did so, and I was approved. I am waiting for my card. Today 9/2, I get another pre-approved letter and I am thinking what the hell! Anyhoo, I am checking to see the status on my approved card and it says I wasn't approved. Then I enter in the new one I got today and it says the same thing. No, I clearing wrote on the letter that it said "Lisa you're approved!" What is going on?

My husband has had a Capital One Credit Card for 15 yrs and I make the payments at the branches. For the past 3 years I do that at 1501 Veterans Memorial Blvd, Metairie, LA. Today they refused my cash payment because I didn't have the account number with me. This account is NOT past due and I am not on the account. I explained I paid at that very branch last month WITHOUT the account number and that I could give them my checking account number with them, which he is on, and I can give them his social security number & date of birth.

Customer service is awful. After years of not a glitch in payment, I went over my card limit of $500. by $3.00 (due to interest which I didn't know would count toward my card total). Was immediately reported to a Credit Bureau. Really? Awful.

I went to put gas in my car only to have the card denied. Come home to find my account has been "restricted". Called to find out what was going on and apparently without my knowledge I filed for bankruptcy. No I did not, but my account says I did so naturally it must be true. I tell them "No. It is not true. Please lift the restriction from my account." No can do. They need 3-5 business days to do research on my bankruptcy, which does not exist. They all but called me a liar. Three different people, all that sounded remarkably alike but had different names told me the same thing. If it is a mistake we will remove the restriction.

I am not a person to ever complain or write any bad reviews but I had to take the time and let people know the experience I had with this company customer service. I tried to pay my credit card balance in full amount online and never received a confirmation number, so I never thought the payment was processed. To assure I wouldn't be late on my credit card payment I decided to pay over the the phone through express payment. Not to mention it's a 10 dollar fee. I just didn't want to be late on my payments. Two days later I check my bank statement and I'm overdrawn 200 dollars!! This company charged me twice. That's almost $1000.

I got a card from Capital One, which they solicited me for a year and a half ago. It offered increases in the credit amount if you paid on time for 5 payments. When the time came for a 5th payment all of a sudden there was a problem. And this happen with the subsequent 5th payments. I was on the phone with customer service and was told numerous excuses, if the payment was received after 8 pm it would be credit the next day. They were sent in time. Would not be credited over the weekend due it not being a work day. They credited the payment over the weekend. Then the biggest issue is the debit card I use.

I transferred some money into my account so that while I am staying in Madison WI 53711 I can access my money. I called consumer service to transfer some money into my own account at Madison WI at a accredited bank. They gave me a number for wire transfer. I called two continuous day and after a long hold they said it is already their cut-off time and so I should call next day! The third day I called early morning from my home which matches the phone on their record. They refused to transfer any money and put an hold on my account with no explanation of verifying any facts and transaction details. When I asked them to give me a time frame, they refused to give any time frame one two three or even a month time to remove the hold! I am going to close my account and advise everybody never to use a bank who hoard your money indefinitely without your permission and no interest and want to charge excessive fee for every little thing.

CapitalOne has ruined my morning, and it had started so nice. Yesterday my card was blocked and I got a call from CapitalOne saying that they had some identity concerns. I had just gotten my VentureOne card a few days ago (for which I applied online). I got a call from the bank representative saying that I need to prove my identity by sending via email my SSN card, the copy of my driver's license, my bank statement and utilities bill with no information scratched out. The next morning (this morning), I received an email that provided a link to upload all of those documents. I suspected that it could be a phishing activity and decided to go to the actual bank office in Midtown Manhattan to talk to a real bank representative (not a person on the phone).

Worst bank ever. I have a credit, kept my payments up to date. Went into a Debt management plan in order to reduce my debts and they put default against all of my payments, even though none of the other creditors did. Capital One agreed the Debt management plan conditions but still defaulted my account. I now have it on my file for 6 years - bastards.

We are closing on a mortgage. Out of nowhere Capital One posts a late payment on my account. I call them and am told it's a mistake and will be corrected. I explain I need a letter and am told I have to wait 60 - 90 days to have the credit bureau posted. I call again, and again. After spending 45 minutes on the phone am told AGAIN the payment was made within the grace period. This rep tells me he will fax me a letter.

Decided to try out this awesome rewards card that everyone and Jennifer Garner keep speaking off. It says you need excellent credit and the credit APR is between 12.99-22.99 but won't tell you which one until you sign up. My FICO score is well above 750. I went online and filled out the application and immediately received an approval for $20K credit line with a 22.99% interest rate, wait WHAT? Within two hours I was on the phone calling to see why. First time hung up after being on hold for 10 min.

OMG, by far the worst company I have ever dealt with customer service wise. I used my card the morning of 8/15 to get gas and then went to purchase a car. Should have been the happiest day of my life until I tried to use my Capital One and it declined. I contacted their customer service and was told that it was fraud on the account! How is this possible when only me and my husband use the card, each of us has our own card, and we had just used it that morning. The customer service rep I spoke with told me that they needed a bank statement showing my husband's name on it since I had just made a $250 payment using his account. I asked him what documents to send in and he just kept saying proof. So what do I do, I upload a copy of our bank statement with my husband's name on it and marriage certificate to show we are married.

Another Bank with low sub-standards in customer service, advertising to be an asset to college students' credit. In reality, the complete and total opposite. Thanks to Bank of America formally known as Bank of Italy, my account with Capital One incurred a late charge fee(s). I immediately called the bank and requested that the fees be removed due. Again, despite my strong payment history, this bank refused to work with me over $35 dollar fee, which caused my minimum to go up.

I applied for the Capital One Secured Mastercard because I wanted to add another credit card to my profile. I only have one other credit card. I was initially approved in an online application for a $75 Capital One Secured Card. I sent them the $75 deposit fee the same day that I was approved. I didn't hear from them after receiving the offer, so I called them three days later to find out the status of my card. This is when they told me that they declined my application. They said that they initially approved me for a credit card online but rescinded the offer because they said that the day in my birth date was incorrect in my credit report.

Then I get a call from a Kendrick telling Me I have to pay the whole balance. I then explain the letter so he ups my payments 31 more dollars and tells me if I have not paid in 120 days they would report me to the credit bureau. REALLY! I have never been late. Way to treat good customers. Thanks Capital One. You just lost a first time customer.

I decided to switch from Amex Biz card to the new Capital One Spark. Mistake! My first false fraud alert was when I tried to activate the card. They could give no reason, but spent an hour or so sorting through that to get it activated. One week later - another false fraud alert, which came on a vendor that I previously used with no problem only 4 days before. It seems their fraud system is set overactive, or profiles certain people randomly to shoot out a fraud alert.

I was trying to make a payment on the phone. I asked the agent if I could mail a check for the payment with only two days left on the payment date. He said to mail the check and he would note on the account that fact so I would not be charged any interest. I told him that I could deposit the check in my bank account and make an electronic payment to guarantee that I would not be charged any interest. He confirmed that it is OK to mail the check and no interest will be assessed. Sure enough, interest was applied and calling customer service did this customer no service, they did not honor their word so, I closed the account and vowed that Capital One shall not do that to anyone else.

Capital One has been forcing me to pay a fee to keep my account open. They know if it is closed it will greatly affect my credit score as I've had it for almost 10 years. I told them this and they filed a mark against my excellent credit over $20 and have actively been trying to destroy it. Then they slam you with interest fees and just keep adding them and try to destroy credit. My balance was zero. They tried to get $200 for member fees. Unbelievably ** company. I hope you all rot in hell, Capital One!

After applying for Capital One credit cards, they sent me an opt out for information sharing. But when I called they reserve 30 days in which to process my request to keep my information private, including social security# & other sensitive info, giving them time to share ("we don't sell your info") with all of their pals, whom they won't disclose in their entirety so you don't know who gets your info. All they mention is credit bureau but it goes to affiliates and non-affiliates. No e-mail address is available to get this resolved and the "back office" doesn't accept calls. They want to record your call but don't "condone" you recording them. When questioned about ethics the response from a senior manager was, "Well, all the credit card companies do this." Be warned before applying to this operation. You might as well post your personal info online for all to see.

I applied to the Venture Capital One card and was approved for 15K. After I received the card I received a phone call Saturday morning stating that my card application was not approved due to fraudulent activity. I asked what activity that what and what documents I needed to provide. No one on the weekend team could explain why their system was telling them that. I called on Monday and was told that they would not tell me why it was denied, but I needed to reapply. I reapplied and got a silver card with a 3K limit. After getting it in the mail they called and said it would not go through due to fraudulent reasons and would not clarify. After knocking my credit score down 18 points in 3 weeks and still not getting a card, jumping through hoops I told them I will not be working with them in the future. Poor, poor service and procedures.

I had a problem signing in my account. I made more than 3 attempts so I had to call. I provided all valid information, went through two reps who were of absolutely no assistance. This truly is the worst customer service ever. Instead of just resetting my account they wanted me to make a payment online. This is a business account. I need to see the actual statement and monthly information. I need to be able to print for the accountant. This is a disaster. They have no authority and no idea how inconvenient it is to their customers. My husband called in just last month and had another issue... We moved to Chase. They are fantastic.

Customer service is the worst. They put a 5 day hold on my payment for no reason. It had cleared on the website and with my bank the day after I made it. They had no reason to hold the payment other than to irritate me. I had set up automatic payments with my gym and a few other things which were declined because of the hold. I had made 4 payments before this and they all cleared the next day. I have been on the phone at least 8 times the last two days and every employee has been unhelpful, condescending and nothing is resolved.

I've been with Capital One for three years, and have two accounts with Capital One. One of my credit cards was frozen so I called and the first Rep. that helped was NOT AT ALL HELPFUL, thank God I called back days later and, I called to get help with the situation! And I was helped by Van ** on Friday. WOW what a awesome attitude, she had the right words, the happiness I needed to hear and RELAX my heart for I've been through too much and she listen and understood me, and that is what I NEEDED TO HEAR!!! THANK YOU VAN **. ** family is so grateful.

After applying for a credit card with Capital One, I have had nothing but problems with them harassing me at home and on my job saying that I owe them... I do not, I have never used the card and out of frustration I cut it up and threw it into the trash. It is extremely difficult to get a hold of someone for assistance and clearly they are outsourced. I've reported them to my bank. They continue to harass me. I've sent letter and a text stating for them to not contact me!

My husband applied for, and was approved, for a Capital One credit card. When the card arrived we found the envelope ripped open and the card moved. He called and reported it as stolen immediately to the company, police and postal service. He was assured he would get another card in 4-6 days. After 10 days of nothing he called again to find out the card had been activated and maxed out. They told him the charges would be reversed within 72 hours and a new card would come via FedEx.

I was thrilled when I started using mobile banking. Being "of a certain age" it was a new experience. Since then I have been driven crazy with error messages. "Oops we seem to be having difficulty. Try again later," or similar. Calling results in getting a 14 year old who has NO idea about customer service nor what is going on. I was told to re-download the App which I did. It worked for about a day and then went back to its shenanigans. I dread another phone call!

On 7/1 Capital One stole approx $600.00 or more from my Chase checking account. Capital One has yet to contact to inform who did this crime. And Capital is calling my auto loan in with them. Refusing to extend me more time to pay $1600 which balance keeps changing.

I ordered some beauty products from Revlon online, and I never received product at all. I called Capital One and I did get reimbursed and I checked my account again this month just to see the charge back on the statement. I talked to some guy in the recovery center who had a letter from Revlon stating they received the product returned to them through Canada Post. But I still have to prove that Canada Post sent the product back. I asked "how do I do that?" The guy from Capital One had no idea!!! Ridiculous! I closed the account and will never deal with Capital One ever again!!!

I have noticed that for the last couple months I have been making multiple payments to Capital One. Didn't think much of it since the wife and I have multiple accounts. Her balance is paid off across the board. Questioned her about it and she never authorized a payment, or any recurring payments. I know I never authorized anything other than a onetime payment 4 months ago. To me it feels like Capital One is stealing our money. Now we have to change our banking info to prevent anymore in authorized payments. Not cool Capital One!! Not cool how you help yourself to other people's money and take advantage of those with lower credit scores with high interstate rates and exorbitant fees.

As my first credit card I used the Capital One card. But I would recommend every normal person to stay away from that bank. Here is in very short words what happen. When I was in college I added two of my friends as additional users. And I provide all info needed. After 4 years with a excellent record using my card for regular purchases they request me to send them a copy from the social s and driver's licence from the additional users. But since it was about 3 years since I add them and I finish college I told them that it's impossible for me to get from them their private info.

I answered an ad for a card. Received a letter indicated I was approved and would later have to prove my identity at the Post Office via a registered letter. Letter arrived. I attended the post office. The person verified my identity. I was sent another letter thanking me for completing my detail verification and my card would be sent in 5 days. That was 3 weeks ago. I called the card company to see what was up as I wanted to be sure the card wasn't stolen in transit. The individual told me my credit limit and informed me that the card should arrive in 5 days...

I made a balance transfer from Capital One to Commerce Bank on 07/07/2015. Commerce Bank sent Capital One a check in the amount of $607.74. The check is dated for 06/30/2015, and Capital One endorsed/deposited on 07/07/2015. However, they only applied $507.74 to my account. They continue to charge me payments and interest, but did agree to start a "payment investigation." This is essentially a 60-90 process as near as I could tell from talking to customer service. I have sent Capital One images of the check, copies of my bill stating that I made a payment $507.74, and a letter confirming the success of the balance transfer from Commerce Bank. Capital One refuses to correct the error. Every person I talk to explains why they and/or their department do not have access to the "necessary information."

They knew I had issues with thieves that stole my Discover card number but they did not have all my info as Capital One said, but Capital One knew they did not have it all the other time. But last week after calling me from the fraud dept and then sending a letter from the fraud dept, also at the same time on that same letter from the fraud dept sent out a charge card to the thieves in some other state knowing that the application did not match up because I talked to the manager. And if it did, they would not be calling from the fraud and sending letters from fraud and on same letter have the last 4 numbers of the new card. Are they making money off the people??? I TAKE IT YES!!!

I had a grievance with Dish Network erroneously charging my Capital One credit card for monthly subscription dues (This was December 2014). I did not trust Dish Network to remove my credit card information from their files for payment options, so I called Capital One and had them cancel the credit card that Dish Network had on file. Fast forward to current day. I was alerted that a charge to my Capital One credit card had been made. When I researched further, I noticed that Dish Network had charged me on May 22 and June 22 for monthly subscription fees.

If I could put negative ten stars I would. This company is terrible. They took my initial deposit two months ago and I still have not received a card. They are giving me the run around even with my refund.

Regardless of the number crunching that shows the benefit of mass mailing to many who will never want or need your services, your junk mail barrage that my wife and I receive on a monthly basis is irresponsible and wasteful. We each receive at least 5 different mails from your company on a bi-weekly basis and all methods to end this ridiculous harassment are difficult most likely from the team of "do nothing for their world" taskmasters that you employ.

I recently applied for a Luma card from Capital One and after their checks and telephone call I received my pin followed by my card (all good), and I spent and stayed in my credit limit. Then today 18th July I receive a letter saying that they have frozen my account and they want me to pay what I owe and that's the end of the account. I don't understand. I wanted to rebuild my credit rating and now that's been taken away from me! Is this normal?

I called Capital One for my wife in reference to a Scam company (Equinox), who is trying to pull one hell of a SCAM on people. They lure you in with one product and all you pay is $4.95 S/H. Then 14 days later, AFTER they have your Credit Card info, they very sneakily charge anywhere from $100-$585 on your CC using another fictitious Company name. When I contacted Capital One, the ONLY thing I requested was for them to put a block on that company from ever being able to make any future charges on my wife's card. This lady at CO must not her job very well because she told me she CAN'T put a block on that Company because "They didn't meet the requirements to be blocked."

The customer service has done a poor job of assisting me. They'd take all my info down when I try to make a payment and then all of a sudden they be like "oh we can't do this" and come up with some silly reason why which makes me suspect that the employees are just writing down my info to use for themselves or something. I don't trust them with my personal information. The manager is very rude and condescending and very insensitive. They put you on hold for 30 mins or more sometimes and you end up not getting anything accomplished. I've had some of the worst experiences with them and can't stand working with them and dread calling them because they like transfer you to like 10 different people. It's like geez man. I'm done with them and I don't recommend anybody else to get an account with them because they screw your stuff up all the time and you'll never get your issues solved. I can barely understand the staff half the time.

I have used all kinds of credit cards and Capital One is the worst. Since Capital One Mastercard doesn't accept automatically payment, I have to remember to check the balance online because I don't get mailed statements all the time due to my moving. With travelling, I missed one payment and I was charged for $45 interest. I called the customer service and the guy's attitude was so bad. Even though I admit it was my bad of missing the payment and I asked the favor for adjusting the interest even partially, the guy kept blaming me that it was my fault so he could not do anything.

Capital One Bank in Mineola Tx - I was traveling thru east Texas and stopped at Capital One Bank to make a transaction. I only needed to pay on my car payment. The clerk said they couldn't do it. Went to another location and the transaction was completed in a matter of minutes. So I have a problem with this and think it was racial.

A $150 jewelry purchase of an alleged "white sapphire, 18K gold ring" was made on 4-18-2015 in Cambodia. After leaving country and wearing ring, band started to wear. The tour group of 14 people purchased approx. $3700 worth of jewelry that was fake. Group has been in contact with tour group and jewelry store owner. We have been given a run around from the start. All jewelry was sent back for owner to credit our credit cards (mine was Capital One). Capital One was kept up to date (in writing of all actions). Cambodia government requiring over $750 to have this jewelry sent back to the USA. We are being held hostage in trying to retrieve our purchases. Capital one was sent a receipt (with my signature) showing "no refunds". I never received this receipt when ring was purchased.

Frequently cannot access my online account. I haven't been able to access my account for a few days. I finally called customer service and it turns out that Capital One tried to merge my online accounts together (I did not ask them to do this) and something went wrong. They told me it could take up to 10 days to fix this and in the meantime, I cannot access my account online and there is nothing they or I can do. They will not waive any overdraft fees I might incur as a result of not being able to see my activity and balance... they said it is NOT a banking error... and would not admit to the fact that it was an error on their end. I will be closing my accounts with them.

I paid off my Capital One credit card, and was debited $50 too much. I am trying to get my money back, but so far, have not succeeded. I had a balance of $97.36, and initially paid $50. I then called Capital One, deciding to pay off the balance of $47.36, but the girl debited the entire amount, again, which meant I was overcharged by $50. This money was immediately debited from my checking account, but I was told that it would take "three business days" to get my money back. This is really unacceptable! I did not make the mistake; the girl at Capital One did. This is a real issue of incompetence, as far as I am concerned. Now, here I am at their mercy. Granted, it is "small potatoes" as far as they would be concerned, but it is my money, and I need it. I spoke to a woman who gave me a fax number. I doubt if I will get any satisfaction from there, either.

I have been a Capital One customer for about 2 years now. And I also used to have problems with their phone customer care service. Not until I started to use their Skype customer care service which you can get by searching for Capital One Bank when you get on Skype. They respond quickly and promptly. Also you get them to resolve your complaints for you easily on there. As for me Capital One bank is okay and I would recommend their credit cards. I think it's better (my personal opinion though) however they have bad customer service except for their Skype customer support which to me is 5 star.

I've had an account with Cap1 since 2012 with no problem whatsoever. I went out to CA 6 months ago --no problem on the trip out there and for several months. Then they started denying charges on a random basis, sometimes even on the same day as another charge went through! Recently, I hired a moving company and paid the initial charge with Cap1. Yesterday when we finished the move, we sent in the final charge -- which they denied! I have repeatedly used the chat line to solve this problem. I was told that the restriction was removed. Then bang we're back to being denied on a random basis again.

We fell behind on 1 payment because of income loss. We explained that to them and gave the date and amount we would pay. We were continuously harassed with phone calls, 5 times a day starting at 8 am even on Sunday!!! We started not answering after explaining the situation 4 times!!! I have never been so upset about a late bill or treated so rude!!! Was questioned and they had the nerve to ask if I could even borrow the money!!! 66 dollars really!! I explained my kids need to eat and a roof over their heads and again told them when I would pay!!! They don't seem to get things happen we can't control!!! I can't wait to pay the card off and send it back!!!

I joined Optionow (ON) and paid $375.00 (it is a trading company, but I was using separate software that increases the success of 80%). ** (Trader Mgr) insisted I pay $1,000 more, then erased the funds from my site (as I was watching it) blocked me from withdrawing the funds & has staff state that I traded the funds and lost all the money, so they could not refund the money. Each of these statements is a lie. I never got launched. Capital One (CO) refunded the $375, and on 5/5 and 6/25 charged me $375 ($700) and now have considered it closed. The 6/25 sent my zero balance to $396.00 over my max.

I have received pre-qualified offer from Capital One for credit card. When I went online applied for it, they rejected my application. Customer care representative was quite harsh to me and unhelpful. Worst customer service out of all banks I have spoken with. I am still wondering why do they need to send pre-qualified offer and in whole letter they haven't mentioned that again they would do a credit check and then only approve my application.

We are going to Europe in 2 months. I have been reading that many European merchants prefer credit cards to have a chip imbedded. I have had a Capital One Platinum CC for years and I pay it off every month. It expires Dec. 2017. I asked to be issued a new card with a chip in order to be compliant with the European merchant preferences. I was told by Customer Service(?) that they do not/will not issue a new card by customer request. I told the representative that I wanted to make using my card in Europe as easy as possible for me but I was still told "NO." What kind of customer service is this. I had just made a $9000 payment for my cruise with this card. I thought I was a good customer. So what gives???

I never applied for credit card for the past 11 years for 2 simple reason - my credit score is not great (below 640) and I hate to get a rejection letter from a credit card company simply will drive me crazy. Today I got Pre-APPROVED credit card from Capital One. I was told all I need to is go online and get it activated. Crooks, after doing so, I was told based on bla bla bla we were not able to approve your credit card... I can expect how can Capital One conduct such cheating scam?

l am trying to get an account printout but because l do not have a pin number (l tore up the card as soon as l found out (too late) that they are Capital One).... they cannot verify me because l need a home phone number which l have but l live in town during the week and so cannot return their call from there. l owe more now than l did a year ago and only want to see my account.. Is that too much to ask that l cannot be verified by ssi number and birthdate?

I love this bank. Easy online use, no minimum required on anything. Mobile app is very easy to use. But being an online bank depositing cash is a head scratcher. I live in middle Massachusetts, and they did open banking cafes in Boston, but not near me. I had to open a checking account near me just to deposit cash, but I still love this bank. When they finally open a branch cafe near me, I will be whole.

After opening an account a hold was placed on my card due to suspected fraud. I uploaded and mailed proof of identifying information in addition to confirming the charges were mine over the phone. This included my 1-social security card 2-driver's license 3-copy of my birth certificate. IN addition I uploaded mail from my insurance carrier, the police department, social security and Capital One themselves. I have called on multiple occasions and mailed a money order payment for the minimum amount due because I had concerns over their willingness to handle my account. I mailed a money order on Tuesday the 16th of June. The payment was due on the 20th. It was not credited to my account and of course a late fee has been added. I called yesterday and was told they have up to two weeks to process the payment. This has been an absolute nightmare. It is now the 26th of June and there has been no resolution.

I spoke on the phone with a manager by the name of **. She is unprofessional unwilling to help me with my claim! I will be writing a letter to corporate! I start a claim because my credit card was compromised in another state and they gave me a credit and put it on hold for 45 days! This is crazy! This is my first ever credit card, how is Capital One system so weak till they are able to compromise them so easy! ** gave me the worst customer service ever. She needs a new job!!! Poor excuse for a manager!

I have used Capital One credit cards for several years and have been very happy with their rewards program. I have one card for business and one for personal use. Yesterday I transferred reward miles from one account to the other. Within minutes I got an email notification that my email and password had been changed. My password was very secure and I think somehow the miles transfer allowed my data to be compromised. I immediately called Capital One. The only verification they did was asking my date of birth. With this poor verification process I suspect it also may have been a factor in my account being compromised. It turns out that all of my miles had been converted to gift cards and were in queue to be mailed out to someone else. Luckily I called Capital One in time and they were able to stop this transaction. I'm still very concerned about the lack of verification Capital One does when calling in.

I have had an account with Capital one for about 2 years and in the very beginning of my account I was pretty much on time with all my payments. I went through a small financial situation for about 6 months where it was hard for me to make any payments. I am now back on track with my payments and Capital One suspended my account. I called the number to speak to customer service to see what can I do to get my account unsuspended and they stated to me that the account was closed which I am unaware of. They then told me that in order to have an account with them I will have to file a new application.

After 3 years of being discriminated against due to being disabled and unable to use the phone, they finally deposited our funds that we deposited into our Capital One 360 account from our other non-Capital One account back into our non-Capital One account since we had no other way to access the money. I am very relieved and happy that we have our money back and closed our account.

I reviewed my credit report and disputed information. Capital One failed to send documentation upon my request to verify that the claim was accurate.

I always contact the merchant first before filing a dispute on the card. I always when the disputes but with literally no assistant from Capital One. I have the impression that Capital One does not want to irritate the Merchant. American Express was a stronger advocate for the card holder.

I've used my Capital One Visa for more than 20 years for mostly all my transactions without any problems ever. I specifically chose Capital One because I travel abroad regularly and Capital One does not charge currency conversion fees. I called them and requested a new card with a security chip for my upcoming summer travel. Most of the rest of the world already converted to cards with security chip and they don't take these antiques without one. The answer was that they do the conversion process in batches and they "assure me that I'll have a new card by the end of the year 2015". There is no way to request and receive a new card with chip before. Is this 21st Century US??? Unbelievable! I guess it's time to say good-bye to Capital One!

I have a Capital credit card. I use this card weekly and pay my account two to three times in a month. I make sure my balance is paid off by the first week of the month. In the past all my payments have been paid and then posted within two days. I recently made a payment. The funds were removed from my bank account. The funds posted to my credit card showing a 0 balance owed.

Capital One has been letting withdraws happen against my account even when there was no funds available. Then they charge an overdraft fee of 35 dollars for each one even though I had it set on the account no funds, no withdraws. Capital One bank will never be recommend by me. No customer service, no support, no help. Worst bank ever.

The credit cards have a late fee of $25.00 if you don't pay within the current week they ask. No sooner and no later.

Unfortunately there are people working for Capital One have no ethics and know nothing about customer service. As the supervisor ** employee ID ** capital one horrible experience. Seriously cancel my account three years. So awful. Don’t expect any good customer service from this terrible lady. Have to be work in a car wash not a bank. So disappointed. Corporate have to be open an investigation. Really customer always first.

After being a customer for 8 years they jacked up my interest rate to 22.99 % and refuse to lower it. I am never late on any payments and have been a dedicated customer. My credit score is also good. I have spoke to supervisors after supervisors and they tell me they can do nothing for me. I even threatened to close my account and they don't care...... NEVER EVER WILL I REFER ANYONE TO THEM.... SHAME ON THEM FOR RIPPEN PEOPLE OFF.

Apparently, Capital One is a lender of last resort so their ability to provide what others call customer service is untested. I was encouraged to use Capital One when purchasing a six-month old Buick. I deeply regret that advice and having taken it. It is impossible to reach anyone at their office. Their customer service is non-existent. They routinely make mistakes in entering payments and just as routinely blame them on others. Today, I decided to simply pay the loan off rather than having to ever talk with, or deal with them again. A total nightmare just trying to get a payoff amount and wire instructions. Finally sent a check via registered mail. I would rather deal with the government anytime. At least there exists some accountability. This is what happens when corporations are allowed to do anything, at all, unchecked. I say regulate these SOBs out of existence. They perform no social good whatsoever.

Had this credit card since 2003, and with a good pay - Capital One which I must say I hate, suspended the card for being late a couple days. It's time to close this card and move on to a better bank.

I have received a statement I owe 9,500 dollars. I have never opened an account and reported to Capital One immediately. I think the company is one big scam. This company should be blocked from doing business period. I have been victim of fraud and they asked me if an employee could have possibly set up a card in my name. Very suspicious. Doesn't matter because it's fraud either way.

Received a call from the fraud department at Capital One in May 2015. Responded to the call on my voicemail and was told about suspected fraud. I was asked to fax or mail in my driver's license, social security card and most recent utility bill. Everything was faxed to them on the same day. I called them back a few days later, and was told that they never received them. Confirmed the fax number was right, and faxed it to them again six more times during the month of May. Was again told that it was never received. Documents were mailed on May 23rd 2015 and faxed two more times. Recently called again on June 4, 2015, and was told nothing has been received. I am at a loss on what to do now. I was not given a reason why they suspect fraud, either from me or someone trying to obtain a card in my name.

In a matter of a week there were false charges on my card adding up to over 1000!!! ** was absolutely amazing and helpful and got those charges taken off and a new card number within two days. It was really amazing. Also another woman had helped me recently on Capital One and I wish I remembered her name but she was super amazing too. I will never leave Capital One. They really truly do an incredible job in customer service. The cherry on top which was super above and beyond? ** sent me a Macy's gift card with a handwritten note congratulating me on my recent marriage and on our baby twins on the way. Thank you so much ** and Capital One for being so incredible. You have a customer for life. :) :) :)

I'm 21. No credit history besides paying my phone bill every month. In March 2015 I got an offer in the mail from Capital One for their Platinum credit card. After talking it over with my dad and getting the OK from him I went online and completed the application via the invitation number sent with my offer. A week later I received the card in the mail. Ecstatic about being able to buy groceries between paychecks I went to the store and bought a week's worth of groceries. Paid it off when I got paid at the end of the week. In my second week of having the card I went to Best Buy looking to invest in a pair of wireless earbuds, preferably the PowerBeats2 by Dr. Dre since a friend of mine let me use hers and I liked how hers worked. I was not satisfied with the ear buds and returned them THE NEXT DAY. The woman at BB customer service told me the return was successful and I would get the money back on the card.

This started about 4 months ago. We get a phone call that we owe 7.63 on our card. I explained that we have not had a Capital One card since 2008. Also at that time we cancelled the card & it had a 0 balance. So how can we owe any money? No matter how many times I explain my problem to them they do nothing about it. My credit rating is 833. So I got fed up & lost my cool the other day when they told me we are on a recorded line and I stated, "Record this. ** you." This is the worst credit card company in the world.

Statement sent in the mail had a graph on it that showed I had 150 late days until my account would be closed. I paid account in full way before that. 122 days. Online account showed my full credit limit was available for use after payment was made. My card didn't work so I contacted them and they say my account was frozen so I only had 120 days to pay so they closed account. Remind you it was 122 days and 6 days before Christmas. Meanwhile during the time I was late I got no letter stating I had a frozen account no notice on my online account of this either. If anything ONLINE ACCOUNT SHOWED FULL CREDIT LIMIT WAS AVAILABLE WHEN PAYMENT WAS MADE!!! So here's my problem. On my credit report they put it as a negative account and status states "account paid in full/closed at consumers request". I dispute this based off of the inaccuracies and lies and nothing gets done and I get screwed.

Capital One Auto Finance - they cancel email contact so you cannot contact them to make payments or inform them of your situation. They demand your phone number but do not contact you for follow up when they need something from you. Capital One Auto Finance did not provide for me accurate details on numerous occasions for how I can keep my vehicle and so it was not repossessed. When you call the number to make payment arrangements their phones do not work - it says unavailable, call back.

Sad that every Monday holidays I get paid my direct deposit is not available or posted because it's a holiday too to Capital One 360. I thought the convenience of having a direct deposit would mean that no matter what, my funds from my employers will be available at least the day before not after! I have called around and found out that Chase and all other Credit Union have their direct deposit funds available the day before. So if Monday is pay day and it's a Holiday the direct deposit is posted on a Friday which it's so much nice and should be the way it is! I wish Capital One would do the same!

I called about a month ago to cancel my credit card after it had been paid off. I then received a monthly service fee bill in the mail. I call to inquire, and this representative tells me that the previous representative failed to shut off my credit card! I was on the first call for 15 minutes and he didn't even do the job! The current representative stated that he would assist in filing a complaint against this representative but I can't be sure if that happened or not. I was assured this time I should be receiving something in the mail to confirm. I requested email as well but they stated they could not provide that. Terrible, terrible service. Do not use this company.

I sent a wire funds transfer on May 12th to Cuban & Global Travel, Inc. I received a call two days later asking about that company and its relation with Cuban government. I explained they are in Miami and their bank (TD Bank doesn't have to do with Castro). Anyway, they say they have to investigate. My money was frozen, nobody received my money and it has been more than 10 days. I haven't received any other answer from them. Of course, I cancelled the transaction but they haven't return my money to my account neither. So, nobody knows where my money is. Is that fair? Ok, I am looking for a lawyer to start a demand against them.

In the mail yesterday I received a notice from a lawyer that my wages were going to be garnished because I owe Capital One $1000. I contacted the attorney and was told that I signed up for the credit card in 2005 and never made any payments on it. I was also told in 2009 I was given a subpoena to show up in court to dispute these charges. They said that I was served and I signed for the subpoena. Thing is, I have not had a credit card since 2002. When I got divorced I paid off all my credit cards and got rid of them. Nobody can show me a paper with my signature on it that I applied for a Capital One credit card and the address they supposedly serve me at I had not lived at for 4 years before they said they served me.

I have been informed after trying to login to my account that after a month my account has been cancelled. No reason. Just after a review they are withdrawing my credit facility. I am to make payment until the account is zero then destroy the card.

My checks are return so they can charge a late fee. Three checks were send from my bank and return by capital one. I spoke to customer service manager and was given a wrong address and a wrong acct. #. Looked up corp and found they are locate outside the u.s. and the phone # is locate overseas. If you call they charge money just to complain.

About five days ago my Credit Card was blocked due to what they said was Fraudulent activity on my account. I called and they said, "OK. It's been lifted. You can use the account." I used the account and was denied. I called again. I was told that they cleared everything but that I would have to wait 24 hours to use the card. I did this and called them before I used the card the next day and was told I could use the card, it was clear. I again was declined. I was then told that I could not speak to anyone in the fraud Department that another person who was out until Monday would handle my case.

FRAUD CHARGES $100. No one does anything there. They say "yes sir, will investigate" then keep charging you. When they do call you they leave you a 7 digit number and you call back, no one answers or its busy. TOTAL scam. I called Costco and they reassured me that they have received numerous complaints. Cotsco tried to save $ by using Capital One when they had the best AMEX but now they have two black eyes and I'm sure they're getting inundated with calls. More importantly they have lost my trust. So all in all had they stayed with AMEX their business would be running smoother with happy clients as I was.

The Capital One Venture card boasts the possibility of earning 40,000 bonus miles if you spend $3000 within the first 3 months after approval. I quickly signed up, thinking I could easily spend $1000 a month in order to get the 40,000 miles. They approved me, and told me I would be receiving the card within 7-10 business days. It has been more than 2 weeks, and when I called to ask why I haven't received it, the voice on the other end just apologized and answered that he didn't know. He would send it immediately and that I should be receiving it within 7-10 business days!

So. About a month ago I moved out of my apartment. I'm staying with family and I'm looking for a new job so took out a mailbox in my old neighborhood until I find a new place. It isn't very close to where I'm staying or my job, but I go to that area and plan to move back that way when I'm ready. I changed the address in my various accounts right after I had moved. About three weeks ago, I tried to get a cash advance from my credit card but it wasn't accepting my pin. I've had that pin for ages so I found that curious but didn't think much of it.

A real runaround by untrained, incompetent employees. Tried to file a complaint against one by going thru their McClain Escalation department. Got nowhere. Their routing on their checks is the same as ING Direct but they claim no connection. You cannot even find out if a customer has sufficient funds for checks written from the bank. One person spoke over me and when I asked that he listen, he hung up on me. Called back and he said he wanted to teach me about how he does customer service then he went on about how Toyota does business. This guy was pathological and claimed he was in charge. Asked for a supervisor and told to try another day.

I was sent a renewal card with a completely different account number. I called and asked if I could have my old number instead since I do not want to go through all my accounts and records (including payments) and change them for each one. I was told I cannot do this and that Capital One does not have any easy way to "blanket" change over to new number. Will be canceling my card after I transfer all my recurring payments to another card. (Thanks, Capital One, your unilateral customer-unfriendly policy, has now incentivized me to drop you as a provider, since I will have to do that transfer work anyway with the new number you sent me without consulting me or even notifying me in advance.) Corporations are just getting worse. I think I will apply at a credit union or find some kind of socially conscious card to deal with. These businesses shouldn't even call themselves business. They're milking operations.

I called Capital One today due to me being charged for a product. The representative I talked to was named **. He was very kind and called the company that was charging me. He was asking questions with the intention for me to get a refund back and was successful. I truly would have not received a refund without his help!

After paying my balance in full well before the billing cycle ended, I was charged 24.00 in interest! I called Capital One and spoke to a very rude customer service rep who told me that "interest is charged on the previous months balance even if it is paid in full!" I asked if I would be charged interest on the 24.00 interest charge and guess what? He said "yes but it would be a minuscule amount." When would it end? Needless to say that conversation ended and I spoke to a very nice rep named **. She credited my account the 24.00.

I have had a Capital One awards card for several years. Today I cashed in my 63,000 points and closed the card. My reason for doing this is that you can't count on it being available to use. I have had too many instances of the card being suspended for use because of suspicious activity at inconvenient times.

I have been banking with Capital One for the last two years. I have decided to close my account since every time I need something done, I need to speak to different people at different branches because no one takes the blame when things don't get done. So far, no one has gone the extra mile to get things done. The only thing they are good at is taking one's money. Their unprofessionalism is in every single branch is palpable and I will NEVER bank there again. Of course, I will also let my friends/colleagues/neighbors know about my (always bad and frustrating) experience.

I've had a Capital One credit card for more than 9 years. Everything worked well and they provided excellent customer service until I was on vacation in November 2014. They were going to send me a new card because they said my card was compromised in the Home Depot September 2014 data breach. They said I’d receive it soon, but they didn't tell me a specific date. They said they would not turn off my existing Capital One credit card until I activated the new card. I had numerous auto-billings on my credit card and I was going to be going on vacation in November, I told them, and I wanted to be sure the card I had would remain active. Capital One was the only credit card I had at the time.

Capital One is only out to destroy people. They have put a freeze on my account! ALSO MY ACCOUNT HAS MY PENSION CHECK! This customer has the only thing in mind to do is cause harm to people who do the correct things in life! I find out that my account is frozen after I attempt to purchase groceries and was denied to do so since they went and froze my account. I have to find out by calling the bank to find out what the problem was! This Capital One and their attorneys should be ashamed of themselves. Prior to going to the grocery store I paid two bills which now will be returned with additional fees which I feel that Capital One and the Attorneys should be required to pay! I do wonder if these people truly can live with themselves for their actions. They have cause so much harm to many people! I not going to judge them since God will Judge each and everyone of them!

I was calling 866-750-0873 from work at 9:45 AM ET on 4/29/2015 to request unlocking my online account which was locked not from incorrect login attempt. Over the phone, the first operator was asking questions standard verification. I was asking for the card security code and told her that I left it home. I insisted her to make further verification so that I can sign in to pay my balance. She had me on hold and transfer to another female operator who was giving all kind of garbage with all kind of background noise. I told her to speed up what she needs to say and go to the point so that I can get back to work. She intended to put me on hold; I waited for 10+ minutes and gave up.

When I received the Credit Card I called to activate the Card. I was notified there was an issue with my account and that I need to send a copy of My Social Security Card, a copy of my Drivers License and a copy of my Utility Bill. What? I'm just trying to activate my Card. My Credit Score is above 800 and you mailed me the cards. If there's an issue why did you mail me the cards. I feel you folks have some security issues and I no longer want anything to do with Capital One. So Cancel my request for cards I received. I do not want to activate them. Its not worth the questionable hassle to me if this request is Legit and not a Scam.

I had an account with ING Direct since 2006. Ever since Capital One took over it has been a cluster of epic proportions. Since the switch, the online banking has never worked in full. Some days, like today, I can't access my accounts to transfer money between them - and it's been like this for days. I have a Sharebuilder account and the "instant transfer" function worked once in all the times I've logged in to try. I had to make several phone calls when I made Sharebuilder transfers the first time because they said I used a regular transfer - rather than an "instant transfer", which is some special unicorn at Capital One (something my little credit union seem to have no problems with).

The customer service was not very reliable. There was several days in row that I had to come in to speak with the bank's manager but the manager's refusal to sit down and speak with me made me very angry at Capital One Bank.

So they keep emailing offers so I email them saying this email does not belong to my granny who just died a few weeks ago. They email back saying they can't do anything and I have to go through this whole process. Stupid morons. The email belongs to me not my grandmother. They didn't even offer condolences. I am pressing charges of harassment now because in the State of Florida it is harassment once you email text or any form warn the party to stop communication. If they email, call, text any form of communication even one time after then it's criminal harassment. What idiots. No respect for my granny who just passed away. I am horrified.

I've been happy with my card (Secured). Trying to repair my credit, I pay my as soon as the bill arrives. However, Capital One has not reported to the credit bureaus my last 2 payments, soon to be 3. Don't know what to do. Any ideas?

On April 20 all my credit cards I restricted due to that notice.

Capital One Bank did not record my credit card payment received before due date, whose receipt was confirmed by banking institution. I called the Capital One Bank when I found their error (failure to record my payment). I had to spend almost an hour speaking to three service reps, resulting in no resolution. I referred to the check I issued, which clearly showed the receipt date by Capital One, which was confirmed by my own banking institution during our 3-way conference call (myself, Capital One Bank and my banking institution).

Complaint files with Cap One. I usually do not use their online bill pay but did in this case. I double checked it but for some reason - the funds that were to go to another banking account - stayed within the Cap One system. I thought banks were done playing such games.

About a year ago, maybe more, I had a Capital One charge on my credit bill that I did not understand. I wrote back for them to explain what that charge was. I got no response. The next bill had the same charge with added penalty for that. I responded with the same question, and told them if I got no explanation I would not longer read the bills. I did read a few to see if there was any response to my question, but I got none but big extra charges for being late. One I marked out my address and returned the bill. From now on they will be trashed without opening unless I see a letter that appears to not include any bill (I destroyed the credit card long ago). If they can explain that charge and I recognize it, I will pay only that original amount, never any penalties.

I just want to inform other consumers that this is not the company to choose. Today I found out that I went over my credit limit by approximately $7 on my current bill because of interest charged by Capital One and that they have reported me to the credit bureau. The reason I went over my limit was because the interest rate charged to me was raised. Looking at the small print on my previous bill, it looks like I was in fact informed of this my 3-year promotional rate expired and I was informed one bill prior, in small print. When I missed that information and calculated the interest to be charged on my April bill, I miscalculated and as a result my bill went over the limit by less than $10. But I was reported to the credit bureau anyway. Doing business with Capital One has now harmed my credit rating and my future financial plans. It's done me much more harm than good.

Here is the situation from the start. I have a Capital One Journey card which I have been using it for the past 5 months. I have a credit limit of $300 and an interest rate which is messed up. So I have decided to speak to the customer care and get my credit limit increased or get a lower interest rate. The customer care representative was very unhelpful saying we cannot do either. He however said that I was enrolled in the "credit steps" program, meaning my credit limit will automatically increased upon 6 months of regular payments, to get this, $350. Hardly unable to contain the excitement, I asked if I could get another credit card which does not have so many overwhelming benefits, he said I could get another card and close this account.

I got a Capital One credit card about 15 years ago with a 10% and a $6 dollar monthly fee to keep the interest rate low, but the interest rate was gradually increased to a whopping 23% without being late a single month. Do not use this greedy company! They are a rip-off!

I took my fiancee out for her birthday and decided to get her something that she always wanted. The store credit card machine wasn't working; try to use the atm. Found out that Capital One close my credit card for the day. I called and they inform me they can't do anything, I have to wait till midnight. It was so humiliating that I couldn't get my fiancee her gift. Now I know that they are useless. How can I not unlock my card if I call and give proof that I am the owner?

When I attempted to buy a gift card in Baltimore, my purchase was declined 4 times. Upon calling Capital One I was given the reason for the purchase being declined. It was because I used my card in Virginia the previous day when I rented a car and then used it in another state, Maryland, the following day which is inconsistent with my past purchase history. When I was able to verify my card was not compromised, I was told the card would be reactivated.

Capital One bought out my Discover Card. After one hour on the phone trying to link the accounts, I was denied. Called Capital One and after talking to 5 people no results: "pay me by phone", even though my account has always been paid online. What the hell? So, I guess they don't want my payment. Who has time to sit on the phone for 1/2 hour trying to pay a bill? Not fair. I will close my Capital One Accounts. Who needs customer service like this? Then they tell me if I don't pay it by phone. I will be charged a late fee. Nice Bank!

I called Capital One credit card company to let them know that I was about to travel out of the country and wanted to use my credit card. They quickly noted the account and said I was all set. Then they transferred me to someone saying they needed to review my bank accounts as well. The bank representative told me I could "upgrade" my checking account to an interest bearing account for free and without changing my account number. He told me there would be a minimum balance but that the minimum only needed to be met on the statement end date.

I pay my balance in full every month, but had fallen behind because I was busy. I had already made my payment (in full) via online checking on March 27, but Capital One had not yet received it and put a freeze on my account for being late. Miles from home with nothing but my skateboard, the card I thought I could trust LEFT ME STRANDED without any way to get my car out from an oil change. This is inexcusable. I have a $5000 "credit limit" and just because I was behind on my payment was no excuse to freeze my account. I asked the poor lady on the phone if I had been in the middle of the desert with my family and it was the only card I had if the story would be different. She said NO, they can't unfreeze your account unless you make a payment. I will quit using my credit card and find someone I can trust to always be there, even if I miss a payment.

Capital One East Village Branch (Second Avenue and 9th Str, NYC) - They commit a fraud by luring the existing customers in on the false premise that there are higher interest-earning accounts; open a new account, which is earning you way less; and transfer your money from the existing accounts into the new inferior account. There is a criminal intent, and the Branch Manager, **, forces his employees to participate in this fraud while denying everything when caught red-handed. Do NOT patronize this branch!

Tried numerous times to explain unwanted products getting sent every month. Refused to reimburse me money due to closure that was under terms and conditions.. so over 400 they lost my business. Kept getting unwanted products every month. Spent numerous wasted hour on the phone. At first was promised reimbursement... to find out that was a total lie to try to keep me from closing my acct.

I previously had a card with Capital One. There was a balance remaining on my account. I have now paid the balance. I spoke to customer service before I paid the account and I was told that this will be removed from my credit report (shame on me I forgot who I spoke to). I have just reviewed my credit report and to my amazement, it is still on my credit report. I was told by customer service today that it is in their policy not to remove this off the credit report. Shame on you Capital One. I am now attempting to purchase a home as a single middle class single mother, and with this on my report it is very difficult to purchase a mortgage. Thanks a lot from your cooperation insensitivity.

Today I had a terrible bad experience in the Capital One Bank in Cheshire station just around the corner from my house. When I approached to the teller I gave her the check to cash. I must say that I do not have an account with them. I have been working in this company for over 1 month and get pay weekly. Yes every week - the same company check I have been cashing on Saturdays. Seems to be that something was wrong with that check so she went to ask the manager. At this moment I do not know what's going on because she just left me there hanging so I just waited and she said, "This check does not have your complete name so it seem to be fraudulent." I told her I have been cashing this check here for at least 2 weeks. She said "It's missing your complete name." I told her, "I am sorry but last time they ask me to write down the name." She said, "We can not ask you that and I do not want to see it if you write it."

I have not been able to access the online payment for my account for the past 4 weeks. I have called several times and the only thing I hear is apologies. Customer service and the manager told me that they have no idea when the problem will be solved. Meanwhile, I have no access to online payment and have no idea what has been paid. I have most of my bills paid online and I am now completely blind. I receive a letter from a creditor saying that they did not receive payment and that my name would be sent to credit report. I have always been happy with capital one but this is too much. I cannot believe that I am not able to manage my money and that capital one cannot fix it in a timely manner. This is unbelievable.

The balance on my account was paid in full before the end of the billing cycle. Capital One sent me a bill in another billing cycle for $5.04 in interest. After arguing with them, and them admitting that yes, I am correct there should be no more interest. I will not see a credit on this card for 1-2 billing cycles. Therefore, they expect payment of $5.04 which they will credit back to me in 1-2 billing cycles. Needless to write. This account is now closed!

I walked into a Chase branch and asked for an up-to-date interim statement and they happily obliged. I needed it to send to a government department. I went to Capital Bank at 176 Broadway, NY, NY 10038 for the same purpose and I'm not sure what your Relationship Banker ** meant by saying "I can't do this - too simple print off of transaction history" since this up-to-date document was requested from the government agency. When I asked her to speak to the manager, I was told that since she could not handle the transaction, there is no one at the branch who could assist me. So, I went to another Capital One Branch and got this up-to-date statement printout within a few minutes.

Fri. 14 Mar. '15, received phone call and email indicating possible fraudulent use of my card. They were correct and that's a good thing (especially for them, since they must pay for unauthorized use). Card cancelled and new one was to be sent second-day priority via USPS. Tue. 18 Mar. '15, no card (but the nearly indecipherable USPS tracking site said "delivered!"). Wed. 19 Mar., I called and informed Capital One about the "delivered" message AND no card. I was assured it would arrive "tomorrow" - or Friday by the latest. Thursday, no card. Fri., no card. Sat., no card... So much for second-day delivery! Fri., no card. Called Capital One and demanded to speak with a supervisor. An hour later, I was told that the new card was lost in the mail and that they had cancelled it too. A NEW card was to be issued and sent (are you ready for this?) SECOND-DAY DELIVERY via USPS!!!

I called to explain to Capital One that my husband was in ICU and has been since 2/28. I explained that we each pay our own bills. Not seeing his bill, I waited until I received one in the mail and discovered the March payment wasn't paid and thus he received a $25 fee. I begged them to reverse it and that I would pay the balance plus the interest due. They refused saying that they could not discuss the account with me without a POA. But, they were perfectly happy to take my money for his bill. Ok, I realize they cannot discuss the account. I offered to send proof. To no avail. They refused to lose their $25 which really would have did better to chalk that off to PR for the company. So, I will eat the $25 fee while I struggle now to pay my husband's medical bills.

This bank is SO SORRY!!! For instance, they can never correct errors to your account right away. On two separate occasions, I contacted them to let them know that we were charged in error and asked if they could correct it. Once was when my mortgage was due. This account is used for bills only and we only deposit what is needed for bills. Well, they wouldn't correct it and told me that when the check comes in for my mortgage, it would bounce! What I can tell you is this, Capital One's customer service cannot compare to that of Chase.

I paid down one month but Capital One bank still not update balance to my credit report to credit bureau? How long does it take they do that often? I am not happy with this service. They suppose to report every 2 weeks or less. They try to slower the service.

In December 2014, I inquired with Capital One about balance transfer offers and was informed that I could transfer a balance from another credit card to Capital One for $0 Fee, 0% APR and no expiration date. I completed the transfer in December 2014 and in February 2015 I was charged APR. When I contacted Capital One, they informed me that it was transferred at the 22.9% balance transfer rate because the rate/terms that were quoted to me did not exist.