Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.