Capital One Reviews

I have an account with Capital One. They were always very nice and I was always happy dealing with them until they sent me to apply for a business card. I did and they refused me. They are terrible.

In December of 2014 I was given a refi rate of 3.75% but was told before we closed and the rate I would be eligible for a one time 3.625. On January I received a call from Capital One 360 saying the rate went down to 3.625 and on that assumption only I said let's go ahead. I closed on January 23, assuming all the documents were in place. But in a letter dated to me on February 12, 2015, a letter of designation stated my interest rate was 3.75. I called my loan officer and he said it was wrong and would be corrected. But he or anyone else refuses to take my calls and, in fact, they have had their phone number changed and no one will speak to me. Even the CEO refuses to acknowledge my email.

I applied for a new credit card to try to rebuild my credit. I have been waiting for over a month for the card to be mailed to me and I have yet to receive it. They have sent the card 4 times so far with no prevail. When I call them up to ask where it is, or if they have a tracking number, they always tell me to wait another day to see if the card has come in. I have filed a investigation with the Postal Service and so far nothing has turned up. Also every time I call Capital One, a foreigner who barely can speak English answers the phone. When I ask to speak to an American I get another foreigner.

I've only had this credit card for about a month and I wanted to pay off the balance I had so I used their mobile app to make the payment. A couple days later the mobile site said the payment was returned so I tried it again a week later thinking maybe it was too soon to make a payment and the same thing happened. I called customer service and the lady said it was my bank’s fault the payment was returned. I called my bank and they said it wasn't their fault because no payments from Capital One were even debited from my account and they were right it didn't even show up in my account. Not wanting to take a chance on someone hacking my bank account I put the balance on my Rushcard and tried again to make a payment and the same thing happened "Payment Returned".

Just wanted to take a moment to warn customers. Capitol One is the WORST COMPANY I have ever dealt with, their customer service was so atrocious. I was hung up on multiple times and had to call back. I am not someone who normally leaves negative feedback but my experience as a customer with this company was awful. Never willing to work with customers and taking a rigid attitude on the phone, I have to say that after years of being in good standing with the company I WILL BE TAKING MY BUSINESS ELSEWHERE. I will also be telling all my friends and family to avoid this company's substandard service as well. After years of paying on time and remaining in good standing, the company obviously treats customer loyalty with indifference and ignorance. ABSOLUTELY AWFUL COMPANY!!!

Every month until now I've paid my bill weeks early by phone. This month I had to wait until the due date. I call at 8:30 pm to make my payment on this due date and I am informed that payments after 8 pm would be received on the next day making this payment late. I am left with no other option than to accept that my on time phone payment be regarded as late with no recourse and having to grin and eat the fees.

They sent me several credit card offers, finally I applied and got one. They bought ING free checking accounts, I had one so I ended up with them too. I then opened business acct and business credit card. Everything was fine and all of a sudden they closed my business acct with no clear reason? I call but no one knows, finally stated I violated deposit rules? What rule, won't tell me? I insisted but kept getting this mystery answer. Even worse they started closing my other accts that has nothing to do with my business acct?? I went crazy asking for explanation but got no better answer. I had the online access only to my accts and when they kept closing them access was restricted immediately before I was notified, I could not verify final balances? I paid my credit cards at end of each month, last one they closed I did not pay because could not verify balances. Now I have collection that hurt my credit.

I found out in December 2014 there was a judgement from Capital One and its law firm against my ex-husband's house that I did not own. I called them to tell them I never had a Capital One card. The law firm told me that I could fill out a fraud package. We needed the judgement removed and agreed to pay the account off on the word that we would receive a refund should it be deemed in fact fraud. Well December they issued a satisfaction of judgement then 2 weeks later they issued a vacate satisfaction then issued a vacate judgement on the grounds that it was fraud. We paid them $2700. Now I contact Capital One over and over the past 3 months to find out today that since I made a voluntary payment they will not refund the money even though it was identity theft. So someone stole my information and now they stole $2700 from us. So mad right now I have an attorney looking into it.

They have INCORRECTLY applied CHECKS WITH INSTRUCTION letter INCLUDED to be applied to PRINCIPAL PAYMENT ONLY as regular payments and keep taking interest. Their excuse is "Well that is just our processing center. They can do it wrong sometimes." WOW! Way to go for taking responsibility and I have to BABYSIT my transactions. If you call in to apply a PRINCIPAL ONLY payment... they send you an EMAIL that doesn't state EXACTLY WHAT the payment is for and you are left with nothing but HOPE that they apply it correctly. RIDICULOUS. I will Never borrow from this company again.

I have been dealing with 2 capital one cards that have only a $300 limit each. The cards originated with a different bank each then became capital one. They allowed fraud and then allow more and more fraud to go on. Now each card owes over $1000 and they don't help at all. They are charging fees etc. I was not allowed more than the limit but apparently someone committing fraud can! They now expect me to pay for all of this after they were given proof of the fraud. If not, they will mess up my credit! Terrible and they are basically blackmailing me that if I don't give them a few grand they will destroy my credit!

On February 14, 2015, I received my bill statement and found out that I was charged for late payment and the interest but I've always paid on time when I rec'd my statement. Then I noticed that I did not receive the statement prior to the month. Therefore, I called Capital One on the same day about my bill statement for the late payment and interest fees. The customer service was helpful to waive the fees and I was happy about the service at that time. However, ever since that day, I could not use the credit card, all the transactions were declined!

I had someone make charges to my card without permission. The company making the charges stated they had authorization. I asked for a signature or recorded conversation They did not have this. Even though they didn't have authorization, capital one still made me pay the charges. I spent days and hours on the phone and faxing paperwork to no avail. I have since closed both credit card accounts with them and will never do business with them and do not recommend that anyone should.

Made my payment online $25.00. Then I checked my bank 2 weeks later. It shows that Capital One took out over $800 dollars. I contacted Capital One explain problem. I was informed that I had to contact my bank and then we were put on a 3-way call, Capital One, myself and my bank. Then the gentlemen said I had to wait 72 hrs. to get my money transfer back into the bank. There goes my rent for March. Is that true, 72 hrs. for my money to go back into my bank?

First of all, has anyone noticed that all the positive comments use the same language? Almost seems like the person(s) writing positive reviews are one and the same. Anyway I have noticed that when I have called to inquire about the OVER LIMIT FEES being charged when it is Capital One's OWN INTEREST RATES that bring you over your limit, not purchases that you made, they were quick to waive the fee. Good and the rep. waived an additional 5.00 off, which was good of her when I didn't even ask. However, why, why, why does one have to go to an external company, either for a consolidation loan to pay off credit cards or use a consumer debt company to help? I have been with Capital One for over 17 years. Loyalty? No way. I have paid off the balance on several occasions, now I want to do the same. Apparently it will take me 32 Years and 4 Months if I only pay the min.

I received my pre-approval letter for the Quicksilver card at the beginning of January. I've been trying to rebuild my credit so I figured a card with a low limit that would be simple to pay off each month was the way to go. I received the card, activated it and everything was just fine. I received a call yesterday from the Fraud Department telling me that they needed to verify something on my recent application and I received a case number. I called back this morning and I was asked a whole litany of ridiculous questions, including what car was registered in my name. I was then told that I needed to send them copies of my Driver's License, SSC and a utility bill. I told them that I would not send anything like that through the mail and "Tom" with the very heavy Middle Eastern accent told me that I could visit any bank and have them do an identity verification.

We had a joint checking account with Capital One. On February 12th, 2015, we received a letter in the mail stating Capital One would be closing our account effective that day. No information as to why was given, nor any number to contact someone. I went to a Capital One bank the following day where a banker checked our account and told me that there wasn't any notes on our account saying it would be closed. He said the letter might have been an error, and he didn't see a reason our account would be closed. A week later on February 19th, 2015, my debit card was declined four times. I called Capital One customer service and was told our account was in the process of being closed, but I could not be given any information as to why.

I have called Capital One to confirm that there is no interest charges for 12 months and response was no there is no interest charges for 12 months, I start charging the card since there was no interest, even I paid off Forest Lawn memorial park payment. And guess what? when I receive my statement I see they charge for Interest rate. I called again and the rep couldn't help me, transfer to supervisor name Michelle. She said she doesn't see record showing that I called. Isn't this wrong? I am very disappointed with this company. Forest Lawn had less interest rate than capital One, how stupid can I be to pay of with Capital One card that has 22+%. I wrote this so people can know and do not trust Capital One credit card.

Been dealing with them since January of (2008). Never had any problems with them before now. Doing this, I sent them a check from CitiFinacial to pay out the balance owing on my Credit card. I have done this 5 times since I have had a credit card though them. Throughout the years, got a personal loan through Citifinacial to pay off my balance owing on my Capital One credit card. Before once they receive the check, right away my credit limit was back up to a $1000.00. I had my account set up online, to keep track of it, because of fraudulent activities that were put on it a couple of years back.

I never post bad reviews, NORMALLY. I am all about positive feedback. However, customers of Capital One need to know that Capital One is deceitful. When you get behind on your account they will send you a letter stating you have until a specific date to pay, or it will get closed. Well do not trust that letter. I had some financial hardships and got behind a couple months, after having the card for 5 years, paying it off every month or close to pay off amount every month. Well they sent me a letter stating that if I make a payment by February 11th will be put back in good standard, so they say.

Just like a lot of people here, I too was cheated out of $300 by this bank. I received an offer for a pre-approved secured card in the mail and I took the offer up. I called the 1-800 number, gave all of the information about myself they asked, transferred $300 from my Chase bank account and waited for the card. When it arrived, upon calling to activate it, I too was transferred to the fraud department and told my account wouldn't be activated until I supplied them with my SS#, Driver's license and a utility bill because they had to confirm that it was indeed me calling them.

I requested new credit card and I was waiting 1 month for it. I called 3 times for shipment and they said they send it, but I never get it. Very bad service, super disappointed.

I have had Capital One checking and credit card for over a year. My credit score went from 525 to 625. I received 2 rewards checks, one for $84.00 and one for $30.00. When I had an unauthorized charge on my credit card or checking, they worked with me to get the problem resolved. They have done a few things that I didn't like but overall, if you stick with them they do give you rewards and your credit score improves if all payments are made on time. Also, the bank staff is always friendly and helpful. It's rare that I take time to give good reviews but I think that they deserve it because they have always been fair with me.

I called Capital One to ask some questions about my credit card account. When I dialed their number, which I had gotten off of their website, I was greeted by an automated message prompting me to fill out a survey, which I did. I thought it had something to do with Capital One since it didn't give me any other options. After a few questions I was told I had won a free cruise and someone from "Holiday Cruise Line" answered the phone. I told them I was just trying to reach my credit card company, did I dial the wrong number?

I have received charges on my Capital One Costco Mastercard from Brazil in the $1000 of dollars. I live in Canada. The Groupon account not mine so they found my card number and was able to use it with their Groupon account. I called Capital One in Canada and because the transaction is pending, I would have assumed that they could block or cancel the charge the same way that Visa does. But nope...they said that the transaction will go through and could take up to 90 days to investigate! And no guarantee that they can do anything! Bad on Costco to partner with these clowns! Nothing good to say about Capital One. My card is overdrawn and not usable! Also read Capital One small print -- they are not liable for anything! I will cancel this card but will have to wait for it to get sorted out first.

I have had an account with Capital One for many years. In July 2012 my mother was diagnosed with cancer and came to live with us so I could take care of her. I was also taking care of my two children and working full time so I was definitely distracted and made late payments to my credit card companies. In December of 2013 I was diagnosed with cancer so things got even more complicated. Luckily I had gotten a cancer policy on my insurance which let me pay off my 457 loan at work and get a new one to pay off all my credit cards.

I opened an acct in Nov with Capital One. It's been a nightmare since then. Most banks make funds readily available as soon as the acct is opened. Not Capital One! My employer kept trying to deposit into that acct for 2 months, never went through. Finally went through & I still can't thought money. I have had to borrow and borrow. I also had to have my employer mail me a check, just so that I could pay bills and feed my kid. I had 2 deposits to come in on last Tuesday. Here it is another Tuesday, & I still don't have access to this money.

I had applied for a capital one card to build up my credit. (My score started at 560 or so, and they recommended this particular card for that very reason). My credit limit was $300. I downloaded the capital one app so I could pay my card online using my checking account. After a couple of times using the app to make payments, I noticed that they were being 'denied' or 'sent back'. I never got any alerts or notifications deeming this to be a fraudulent matter, so I decided to forego the app and use my bank account app to pay them from there on. About 3 months later I go to use my card and it's declined. I thought it was weird, so when I got home to access my account they said it was restricted.

Due to a severe illness, my account with Capital One went over 120 delinquent. Late last fall, I contacted them to make arrangements to get the balance back below the credit line [I never used the card to cause the account balance to go over the credit line but the interest and late payment fees quickly drove the balance up] and agreed to make large minimum payments to bring the balance back down. I checked on the progress via their website. Yesterday, when after my last payment had posted to the account, I called to ask why the 'currently restricted' notice on the available credit balance was still there. I was told that even though the account was NOT closed, it would never be opened again as their policy no matter what the reason or efforts made is that once the account has reached the 120 day period the account is closed to future use.

On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account, ING Direct became Capital One and I was an ING Direct customer. I had qualms so I left some money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began.

Since I started to use the credit card with Capital One, I've never had any problems, excellent customer service, flexibility, perfect orientation, detailing everything. Speak very good English and Spanish. For me it is the best option and also for beginners. I love it.

First day my temp debit and ATM card did not work when I tested it as advised by my account opening person, Rymon **, Herndon CapOne. I called the 800 on the back, lady said it looked as if the number had not been entered, nor the permanent card order. She ordered a perm card (again). It never came. The first two checks worked. Third, Capone returned my rent check even though I went down there and vouched for my draft, knowing WellsF would run through again--two more times. Now those two dates for return were always covered by more than the amount. I have heard, "Check's in the mail," "it'll probably clear up in a day or two," "don't call us we'll call you." Anonymous Capone berserker O.G. in my wallet has not called to explain why simple arithmetic won't work anymore in the banking business.

I opened a pre-paid credit card to build credit. You can never spend what you have not loaded. I pay close attention to my due dates. Bill is due on the 12th and the statement prints on the 15th. So I look at my transactions each month about 2 days before the 12th, so around the tenth. I pay the entire balance and try to leave 30 or 40 bucks outstanding just to show rotation. So I make a payment on the tenth and another before the statement prints on the 15th. Immediately they take close to 400 dollars out toward pending transaction.

CAPITAL ONE ONLINE BANKING HAS NOT WORKED FOR SEVERAL MONTHS!!!! FOR MONTHS: "Sorry for the delay but we're working to fix a snag in our Online Banking system. We'll be back shortly, so please log in a bit later. Can't wait? Call us at 1-877-442-3764 any day between 7 am and 11 pm EST." REALLY???? FOR MONTHS?!

I have a plus 800 credit score. I have several credit cards that I always pay off in full every month. When I have applied for a credit card I have always been approved immediately. I applied for a Capital One credit card in late December, mainly to use in a foreign country as they do not impose an International usage fee. For whatever reason they could not approve me over the phone but I did get a letter of approval dated Jan. 2, 2015, with a $10,000.00 credit line. I was leaving for a two week trip on Jan 12 and did not receive any other mailings from them prior to that. Upon my return I received my two weeks worth of mail from the USPO. In there there were three letters from Capital One. Two dated Jan. 12th and the third containing my new approved card.

I've had my card for at least a year and have been making on time payments and when I ask for a credit increase they said because my scores are not getting better I'm not eligible so I feel like I have a prepaid card instead of a credit. I am going to pay them off and find another credit card who appreciates a paying customers. They are a ripoff and ridiculous.

I have called number of times. Call and told Capital One my situation and I will to make extra $100.00 to my payment since I was behind and also ask if the back payment could be added to the end of my account. They had no problem taking my extra 100.00 dollars a month until my payment are caught up. And note on loan too. Well after making a payment they started calling like every 2 hours. Enough is enough. About to report them and hire a lawyer to look into it.

I have several different accounts with Capital One and I've always had a good experience. Their online tools are very sophisticated and convenient. I have no problem expanding my financial relationship with them and I recommend them to others.

I bought a computer from Refurbees and I waited 9 days to check on it and they said we only ship when we have a full truck load, so I told them to cancel my order which they did. But Capital One Card did not give me back my Money. Well after I had several calls to them I knew I was not getting anywhere and I did not want to pay interest on the account, I payed the full amount. I have been with Capital One for about ten years.

I opened a Capital One card over the Internet, received the card and attempted to activate it. Upon calling the # on the card, I was told there was fraudulent activity and transferred to the fraud department. Upon reaching someone who, mind you, could barely speak English, I was ask to verify my information (name, dob, social security number, and phone #), the gentleman then places me on hold for over 6 mins, come back on and tells me in order to activate my card he's going to email me a link where I need to upload copies of my driver's license, social security card, and a bank statement! I explained to him that I have never had to do that and am not comfortable doing so. He proceeded to explain that they needed this information before my card would be activated.

Applied for and received Capital One Venture card—good news ends there. Upon trying to activate the card, I was told there was fraud suspicion on my account and per their request I sent a copy of my DL, SS card and a recent bill to verify my identity (the criterion for the bill submission was as follows: must be a utility bill from the past 60 days with your name and address on it).

I was instantly approved for the Capital One Journey credit card, received the card in the mail, and activated it. I then set up an online banking account with security questions, etc. I assumed the card was ready to use. However, when I tried to use this card for the first time, my transaction was declined. I went online to check my account and was repeatedly brought to a page that denied me from accessing my account. The statement on the page read "This account is currently restricted" and to call the customer service number.

They called about fraud on my account. I have been with them for over ten years. They would not give me any information unless I sent driver's license, social security card and w9??? I called the number on the back of my card and got the same song and dance. There is no way I would send anyone that information.

I opened a Capital one credit card mid 2014. I never received a invoice so they called me on the phone and ask for my payment and at that time I explained to the Customer Services Rep. that I did not get an invoice and over the phone I made 2 months of payments because I was so scared that they would turn me in to the Credit Bureau not even 10 days late. They turned me in to the credit bureau when the Customer Service agent with Capital One assured me they were very understanding and that I had no worries, they turned me in twice.

Basically, we applied for credit card in Costco Canada and representative filled up the form for us on placed nearby tables. Somehow, someone managed to steal our application forms (how come???) and found out our address. These guys managed to open our postal box and stole letters with cards!!! And guess what, I assumed, even if someone steals your card, he still needs to activate it. Since we provided emails and received activation codes on the emails - no one could activate it. BUT, Capital One has security gap - knowing application details, people can bypass activation code procedure and call them to activate it. The rest is the same as for others - cards were 'emptied', Capital One support blocked accounts and investigation is ongoing...hope they will find those thieves and fix security issue. As application details are pretty simple - you can even get those from Facebook/LinkedIn and CVs posted online. And Capital One support does not ask about salary in security questions, so it can be bypassed once you have card on hands...

In 2011 and 2012 my wife and I open IRA cds for 5k and 6k (max allowed for tax purchase). A year later I saw that the statement they sent they were taking $35.00 out of her and my account for maintenance fee. At the time the cd rate was only 1% with a possibility of a max of 4.25%. I called and asked about this and was told there was a fee for them maintaining our accounts. I was never told this upfront and still have not found anything on the paper work I sign stating it cost $35.00 a year to keep the account open. That is $245.00 for seven years. These people and crooks and not up front with you about an account they try getting you to sign up for.

After hearing nothing from Capital One with regards to statements, etc for over 6 months, I was stunned and shocked to receive a statement showing that my card had been virtually maxed out. Knowing I hadn't used the card for almost a year and expecting the balance to be in the region of 500, I immediately contacted Capital One. I told them the situation and requested all my statements from day one going back approx 10 years. Approx 1 month later when the statements FINALLY arrived and after numerous phone calls which I received from Capital One asking for information that had already been given to them and them confusing the matter each time by getting the information incorrect, they eventually froze the account and I finally managed, after a further 2 months of calling them and receiving irrelevant phone calls from them, to explain to them how many fraudulent transactions had been made and then sent in the relevant paperwork that they required with my signature detailing the transactions (this paperwork had been promised by them 3 times and each time I was assured that it had been sent, but each time nothing was received - totally incompetent).

Charged my account an annual fee of $65 but locked my account due to two late payments. Account is paid in full, I made monthly payments, they credited them to my account a day past due and charged me another late fee. This went on for months. Owed $25, charged a $25 fee on the $25 balance and on it went. When I tried to log in to my account it was locked to prevent me from making payments. Tried to call them and got transferred from person to person, heavily accented obviously not American phone people. I was very uncomfortable giving them my financial information over the phone, but the woman refused to unlock my online access until AFTER I agreed to make a payment first. Insane. So I cancelled my credit card with them and will NEVER do business with this poo. Got no answer as to why they charged me an annual fee on a locked account. They did not or would not say. Avoid this company unless you want to be ripped off like I was in late fees.

Where do I begin- what a bunch of frauds. When I first took out the loan for my car I had 2 jobs. My part time job closed down and I am still with my full time job; long story short I fell behind on 2 payments... They demanded I complete their refresh program where my payments would be higher than it is now. How can you tell me to sign up for the refresh program so that I have higher payments and I am struggling to make the current one.

I was late with my credit card payment by 4 days. I paid it, looked at my account online, and realized the payment posted but there was no available credit. I called Capital One to be safe and they explained the payment problem and the lady on the other end offered to remove my late payment fee without me asking. This is the second time in 2 years that I have made a late payment with them and they have been nothing but accommodating and courteous to me.

I get a call saying that fraudulent transactions could have been made against my card. OK, I phone the number and am asked if I want to report fraudulent transactions. No, you called me! Then I am told that no there are not any but there could be, so my card is being cancelled and I will get a new one in a week. Today I booked a vacation using this card; this is what I thought the call was relating to, but no. Now my transaction for my vacation is going to be declined and I have the hassle of having to sort it out and also it being a bit embarrassing. Would be nice if there was a message on my account explaining what had happened and why it was being cancelled rather than having someone telling me it is for my own good!

I have had a Credit Card with Capital One since October 2013, and have been extremely satisfied with this service. I recently had to open another credit card with Chase Bank as my promotional APR was ending for Capital One, and I did not fully appreciate my Capital One account until I moved to another company. Capital One is friendly, understanding, available, responsible, and respectful. I would recommend them to ANYONE.

I applied for a Capital One Platinum Prestige card with an introductory 0% APR for the first 12 months. The first month I paid my balance in full, so I didn't see an interest charge. The second month I see an interest charge on my statement. I contact Capital One and they say that the card I applied for does NOT come with the 0% introductory APR, and that it cannot be changed--even though I STILL have the paper copy of the terms and conditions that came in the mail WITH the credit card. So now I'm stuck with almost 25%. I feel scammed.

Original credit card was Household bank. Capital One purchased them, and started charging a membership fee. I did not ask to be a Capital One customer, nor did I ask for fees. After contacting them, they said they would only remove the fee if I closed the account. If I'm going to do that, I won't honor their contract and they won't get a dime. We consumers need to file a class action suit against these idiots for doing whatever they please. The reason I never had a Capital One is because they charge fees for everything. When someone asks me what's in my wallet, I'm not telling them it's a stupid Capital One. Not honoring an original contract is in my opinion, illegal.

I have had a Capital One account for years and have never had a bad experience. Their Canadian call center is in NB. The few times I called was always greeted by a friendly voice. Although any issues were minor, they were resolved quickly and easily and I never once had to follow up. Don't understand all the negativity from my friends in the US. Best of luck to getting your issues resolved.

I was staying at an overseas hotel on business and my employer was paying for my room, along with other employees. Unknown to me, the hotel attempted to put a "block" on funds in my Cap One card to guarantee payment. The block exceeded my credit limit and was denied. I asked the hotel to block only one night and left for another hotel the next day. I wanted to make a point.

We will also rate this company as zero. Capital One is nothing but a bunch of lying scumbags. They will yes you in front of your face and then do the exact opposite. This bank is nothing but a bunch of lying **. We had multiple bank accounts that we wanted to have closed. Spent 3 hours plus on their 800 number supposedly talking to supervisors to have our accounts immediately closed. Out of 8 of them they yes'd us to death for 3 hours saying they were all going to be closed. For the past 3 days only one account got closed. They started charging us maintenance fees without any letters being sent out as they are legally required to do.

I have my first credit card with this company. Well when I got the card they said as Long as I pay on time and use card I get increase in 6 months. That's today so I phoned them. Now got to wait 6 more months for increase. So they lied to me. Aqua accepted with 800 limit where Capital One was only 200 so they're not that nice to their customers.

Someone from CapitalOne contacted me about a week ago and said they would do the right thing and inform the credit reporting agencies to remove any negative marks on my report. It took them a week, but they have promised they will do me right.

I have a credit card payment with Capital One. I always make my payment on time. However I was informed if my payment is made after 8 pm is a late payment but I was not made aware that the payment hours. I called them told them I made my payment on time at 1130 pm which is not the next day but the correct day. I was informed to not worry about it. It will not reflect as one in my statement since I was unaware of the situation. However I called today, spoke to Steve. He said he was a supervisor. Very rude, disrespectful toward me yelling at me on the phone. He told me my payment could be made anytime as long it's not the next day so I ask him what's the problem then with my statement showing late payment if I always made my on time. He started to scream he's going to hung up he doesn't have time to be on the phone with me repeating himself because he contradict himself.

I can't even write about it. It happened three days ago and I am still seething from it. The difficulty of the situation was that they planned it right before a holiday of New Year where it would be difficult to get the situation to normal until three days later and they could then add on some extra charges. Luckily, I was better prepared than most. Someone at their company (Or company procedure) makes them want to stretch their muscles and bully the working people. I curse their company and all the ones who were involved. Shame on you Capital One. I can tell you what's in my wallet... your thieving hands.

I sent my monthly payment to CapONe by check. After reviewing my checking account CapONe processed my payment twice, once as a check and as a electronic payment. I called my Bank and was told to contact CapOne. I contacted CapOne and they acknowledged they took my money twice out of my checking account. However, it will take them 15 days to refund my money. Until then, I have incurred insufficient fees and my checking account overdrawn. I can not pay my other bills or even buy gas, groceries or my prescriptions. My checking account just gets further and further in the red with checks I had written that are trying to post to my account in addition to NSF fees. CapONe customer service is terrible, I was lucky... somehow I got to speak to a live person!!! Then transferred to 4 more people after that. My problem is still not resolved.

I've had my Capital One card for 23 years, and am finally done with them. Not only have I had that card for over two decades, it has been my primary card, with an estimated of $20k/year. All of my bills get auto-paid through it. Two weeks ago (right before Christmas!), I tried to use the card for an online purchase, and it was declined.

Capital One backed off and lifted the false fraud alert on my account. I will never ever do business with them again, ever! From all the reviews I have read online at different sites, you shouldn't neither. They are the largest credit card company in the America and from what I have read about them they really like to push their weight around to intimidate us.

I applied Capital One credit card and I was denied although my credit card score was 818 at that time. I got a letter from them, explained the reason was because I had too little balance! Actually my total credit card balance was about $3000. I have applied many credit cards from other companies and never had this problem.

There was an online payment to CapOne on my checking statement that I didn't understand. Called my bank and CapOne to figure it out and ended up having the money restored to the account. I do have a 2nd checking account and savings account with CapOne, but no credit card. What I didn't realize was that the mysterious online payment was for my Menards card! So, my bad, I guess, but neither my bank nor CapOne figured it out either!

I opened a Capital One credit card through Guitar center for a little bit of fun in August. Small credit line and tiny monthly payments made this indulgent purchase palatable for the wife. All is fine and I register online for automatic payments, however I change banks midway through September and forget to update this banking information on Capital One and therefore miss the first payment. I am very kindly contacted by the customer service team and we set up the new banking information over the phone and also set up the direct debit every month with the customer service lady on the phone. All seems to be fine. Oh by the way send me electronic statements whilst we have her on the phone as this seems much more efficient.

I had card fraud in the first three weeks and I was out of town for my Father-in-laws funeral. After the service we were on our way to the burial and stopped to get gas. My card was declined and I called Capital One which put a hold on my card for unusual card usage. I had no cash and a limited amount of time to get to the burial in another town hours away. After being on the phone for 45 minutes and hearing how they should have called me but didn't, I was able to get a one time ATM withdrawal and head to the burial. We lost too much time and did not arrive until the service was over and my wife was devastated.

I opened an account with Cap-one several years ago being told at the time that I could choose my due date. I chose the 19th to fit my pay schedule. I was allowed a $3500 limit. All well and good for about 2 years. Then I receive the next statement informing me that I'm being charged a $35 'late payment' fee and the interest rate goes from 9% to 19%!!! I called to ask why I was being charged a late fee, cause I payed my monthly bill on the 17th. I was told that because "it was too late in the month for their accounting unit to process billing", they had "opted" to change my due date to the 16th! I asked the associate to reduce the interest rate because they had given me no warning of this action and was told "You'll need to pay on time for a year before we can process your request"!!

I received a letter from Capital One informing I was denied a requested increase of my maximum limitation????? I sense a problem because I don't own or have a credit card from any company. Years ago when the credit card company started revolving credit, meaning no more grace period and your new payment date started the moment you used your credit card for your purchase, that was the day I cut up all my credit cards, closed all my accounts and paid off all my debt. Since then I was in a terrible helicopter accident which left me bed bound with a broken spine in 3 places. Capital one best get their P&Q cleaned up cuz I owe them not a penny cuz I will never allow a crooked company steal my money like they used to do. Therefore, if you dare to have me as a customer without my consent, I will take a large amount of your money through a lawsuit you will receive from my attorney's and I. The end.

I have been a Capital One account holder for several years and had always been happy with my service. Six weeks ago, my credit card was declined and when I called customer service, I was told that someone had called with my personal information, reported the card missing, and had requested the card sent to an address in Miami. I put a fraud alert on my account, set up a safe password, asked that my cell phone be called if the password could not be confirmed, and contacted the credit bureaus about identity theft.

I applied for, and was approved for a 1500 Capital One MasterCard about 9 months ago. I held this card in good standing, and kept paying off the balance every pay day. I received a notice of parcel/letter in my mailbox in September of 2014. When I went to the post office to pick up my parcel, it was a letter from Capital One. It explained that because I had applied for my card online, Canadian law required that I submit physical identification to keep my account active. I returned to the post office with my ID. The post office then placed the conformation stamp required, and I sent the letter back to Capital One. I went on using my card as per usual, and was even rewarded with a $5,000 credit limit increase, for keeping up with my payments on Dec 10th.

When my first payment was due, I attempted to pay online. I tried to access my account and it kept pulling up someone else's info based on my information it asked me for. Therefore I sent my payment through my banks online bill pay. I then received a call from a Capital One rep who inquired about my payment. I advised him of the errors I was having on the website and he told me he was aware and that I would not be charged a late fee. My next bill I see a late fee charge and called in and asked for it to be waived and was told it would be done. I now get another bill showing that it has not been waived and they have applied part of my payment to this fee they were suppose to waive. I call again today to be told since part of the fee is paid they can't waive it. Asked to speak to supervisor and that was not done. I was told they will see what they can do and that I have to call back again in 5 days.

I posted payment online through Capital One website and followed up two days later. When I checked my accounts no record of payments and no record of increased of additional money to bottom line of card account. Called and was told no record.

So I've had my car for over a year. I took out a loan for a little over $9600.00. They took out (7) payments in 2 months - not authorized. Because I was behind 1 month I paid well over $2000 - heck $3000 by now and every payoff is $8262.00. I calculated all payments I made - I should owe about $6970?? I called to find out what’s going on. I was told “DON'T WORRY ABOUT IT”, then was hung up on. I called again for a history of my payments. (TALKING TO A SUPERVISOR) She said hold… 5 min later click! Call again. Found out I had to pay $50 more on my monthly payment for a late charge ($10 a mo. I’m late). I said ok, but my principal should still be lower. They said I'm charged $4.17 a day I'm late. I asked, “I thought the $10 was a late fee and still the amount I owe would still be lower than what you say I owe.” I said, “Can you please explain that?” She said "hold on" then CLICK!

Marked my card as having fraudulent activity BEFORE it was even activated! Told them to cancel the account, they refused to do so before I sent in 8 documents to prove who I am and where I live. Utterly moronic. The representatives clearly were not American and could barely speak coherent/understandable English. DO NOT DO BUSINESS WITH THESE PEOPLE!

Several years ago I applied for a Capital One credit card solely for the purpose of on-line purchases. After my first purchase, there were unauthorized items on my statement. I contacted Capital One to report it. They said they would have to close that account, open another one for me in order to process the fraudulent items. They promised they could close the second account immediately. It's been 3 years and just got another statement. I've asked several times and even written and faxed them to close it. They still won't. WOULD NEVER RECOMMEND OR USE THEM.

Capital One Bank & its agents embossed my PIN number on the front of my debit card!!! This is what is known as banking factual and contractual disputes. What is the penalty for bank embossing a customer's PIN numbers on debit cards for consumers?

I deposited over $6,000.00 in cash to my Cap 1 card to pay for a purchase. When it came time to pay by cc Cap 1 declined payment even though I had this money as a credit on my account. I had to pay by wire transfer in the end, causing me extra time and money in so doing. So I wrote a Cap 1 cheque on my account for the full amount that I was in credit for. This Cap 1 had the audacity to return 'NOT SUFFICIENT FUNDS' again despite this being MY money and as a credit on my Cap 1 account. I have written smaller cheques and am waiting to see if they clear.

Cap 1 does give Credit when no one else will. They have complicated, and confusing payment management. I have learned, listened, always pay on time, check my balance often. Do not consider myself a bad credit card holder pulling my score 40 plus points. But trying to get approved for a better class of cc, is something I have worked for. Pre Approving me, then denying me for a bad credit card, feels malicious and unfair. I am at a complicated place with this company. Asking them to Validate Accts does not seem too much to ask for. They seem to have enough info to place negative information on my Credit Reports. I have no balances on any cards that I know were legitimately mine. Expect a big bank to use and apply the laws that protect consumers from fraudulent items.

Paid them on November 3, 2014 for capital one, settle in full paid 290. Capital one settle in full. Capital says owe 196. Capital one still sent this month saying I still owe them 196.00 which is a lie. As per the cbe group Mr. ** and ** settle in full. Will send a letter to them. Since capital one sold the bill to cbe group they represent them and it was settle in full so I do not owe Capital One anything. They are reporting I owe them 196.00. Remove the 196 from my credit report and as per cbe group remove from my credit report. Deletion letter.

I have had a Capital One card for several years and was always a good customer - paying what was due on time. In May of 2013, helping a friend out, I Shattered my foot in 27 pieces and was out of work due to this. My wife decided to clean out my bank account and divorced me because she did not want to take care of a cripple. This left me in dire straits, looking for an apartment, out of work, not able to walk, and having to rely on the food bank for food. I was not able to make my min. payment to Capital One for several months. Capital One contacted me. I explained my situation, and the offered me a settlement of $47.60 per month, 0% interest for 60 months and an update to the credit bureau that I am making my payments on time to save my credit.

I have been with this company 7 years. Made my payments on time except a 60-day past due in Feb 2011 which they will not forgive. I have Chase and Credit One and they gave me $2k and $1k respectively but oh no, not Capital One. Well that's why Chase is leading as the number one credit card company because they are smart. Capital One you are stingy... I can't wait to close this stupid account when I get my credit to where it needs to be which is soon.

Have placed multiple accts past due severe delinquent. Hired Lexington Law to help with my CR problems insisting that only 2 accounts are mine and they were from Orchard bank and never lte. LL requesting Cap 1 to prove they were my accts. I recently applied for Quicksilver Rewards Card I was Pre-APPROVED for. Well, I went for it then got the 5-7 day wait. After a few weeks, they requested SS#, Drivers license #, address. I sent in copies of everything. After another 2 weeks, I got a letter requesting the same info resent it in their envelope. The next day got my denial for not able to verify info. Then they sent me a letter requesting my tax information on an acct that is not mine, threatening me a 50 dollar fine. Sent me a letter with my name on the top but addressed to a name in Chinese, it's a restaurant. Sending all this info to my Law Firm. Crooked bank. I contacted CAP 1 complained to them, but they don't care. They wanted me to send confidential info an acct that's mine to use against me, I think. Kept copies of all the letters. Have forwarded to Lexington Law.

When I called, I happened to be transferred, to give my personal information all over again after the first person, just to pay a bill without having my issue resolved. Now I am writing this review, while on the cellphone for thirty one minutes, trying to be transferred to another supervisor higher than the one who cannot help me to give someone a note on that, because his policy or state regulation do not help him understand me, just ignore me on what I'm having. This is chris **, last he told me two more minutes until someone is able to hear me. Now is thirty four minutes and continues...

I like the quicksilver card for the 1.5% cash back. However, the customer service is terrible. I traveled to Vegas and called them a few days before to make sure they would not decline my card. I was told I don't need to report travel within the 50 states. When I got to Vegas my card was declined when paying for my hotel. This happened on 10/17. I called Capital One and they told me I could not use my card anymore. They told me they canceled my card on 10/16 and sent me a new one in the mail because of the Home Depot breach. They told me it should arrive in a few business days around 10/21. I appreciate they take security seriously and sent me a new card. However, they should not cancel my current card before my new card even arrives in the mail. No matter how upset I got, they could not help me on the phone.

NOT FOR THE WORKING PEOPLE AT NIGHT THAT NEEDS TO LOG ON DURING OFF PEAK HOURS. NORMALLY GET, "We're problem solving. Sorry for the delay, but we're working to fix a snag in our Online Banking system. We'll be back shortly, so please log in a bit later. Can't wait? Call us at 1-877-442-3764 any day between 7 am and 11 pm EST.". It's not one thing, it's another. So I often have to blindly pay my bills and periodically, get hit with $35 overdraft fees that they refuse to return even though the deposit is done the same day.

Received mail, preapproved for card...up to $1500...used and today received bill for 100 dollars. I called asking what no enrollment fees meant, was it the same as annual fee? Girl said no, I asked again what enrollment fee was...again she said I was not charged...again I asked...same reply. Then per their mail out, which read call them if I wanted to change due date on payment, I requested a change and was told in 2 months it would be changed. Needless to say, I am reporting to all agencies that handle these matters.

Experienced a hardship lately, I called Capital One to advise them of the hardship and that my account will go delinquent. I ask if there was anything they can do to avoid me going into default or filing bankruptcy. I spoke with 4 different individuals and they all said the same thing. Once I asked for the name and physical address of the CEO the last representative tried to assist me and stating that he will submit paperwork. I will continue to pursue contacting the CEO Richard Fairbanks.

I applied for a 360 Capital One checking account and was denied based on a credit report. Fine they have their rules. Next thing I know I'm getting a letter in the mail greatly reducing my credit card line based on this credit report. When I spoke to people at Capital One, I was informed that Capital One Bank, Capital One Credit Card and Capital One 360 (mobile banking) were all different entities that don't mingle. Well obviously not! Someone better get their stories straight because guess what's not in my wallet!!!!!!!

Somehow our account was changed from paper to paperless statements. My husband made a purchase on the card. Today we checked our credit report and noticed that there was a negative report made. Upon checking into the matter, we discovered that it was our Capital One card. Myself, being a stay at home Mom, I pay the bills after my husband deposits the money. Never receiving a statement, I never looked at our account. To make a long story short, after contacting them, they ABSOLUTELY REFUSED to remove this from my husband's credit report, stating that they were not at fault. I agreed that it wasn't their fault, however being a loyal customer for over 10 years with never a missed payment and always paying in full, requested that they please remove this. They would not. They are not out to HELP the consumer, but to HURT them!

I received a new 360 CapitalOne debit card a few weeks ago. My current card was still good through 2016 so I was in no rush to activate the new one. In the middle of a Nor'easter I went to the '99 to pick up dinner. The card was declined 3 times. Calling CapitalOne from the car, I had to drive home (thru driving rain) and pick up the new card - which CapitalOne said had been automatically activated when they automatically deactivated my current card. Just in case, I grabbed a Chase card. Guess what? The new CapitalOne card was also declined! I used the Chase Card. Luckily, I was 10 minutes home from home. What if I had been hours from home? Or traveling? Many people rely one card. Result of this action by CapitalOne? I now use AM Ex.

I got a Capital One Journey in order to build my credit since I'm a college student and didn't have any. I got the Journey because my cousin recommended it. It seemed nice but looks can be deceiving. I got the card and made payments on time, but ended up hitting a difficult financial situation and was left making regular payments to pay down the debt, but of course still needed to use the card to help build my score. I got some interest charges, nothing major and really my fault and not where my quarrel with them lies. Their mobile banking fails to work, conveniently when I want to make a payment. Same issues when trying to access on a computer. It's always something whether (EXTREMELY) long load times, errors, etc.

I have the same experience as John, from Florida. I have an excellent credit record, but TransUnion and Capital One, do not think that's enough! They denied me credit for ridiculous reasons, so after patiently listening to the customer representative reciting from a pre-written script why Capital One denies credit, I ask for a supervisor with exactly the same results! These people who Capital One hires to answer the phone, it seems to me, they are all very narrow minded, which goes to show the mind of the guys at their executive office! Why does Capital One bother to send pre-approved credit card offers and then denies credit. I am sure there is an ulterior reason for these actions....Time will tell, when the Consumer Financial Protection Office of the Federal Government finishes their investigation of Capital One wrongdoings!

In March 13 2014 I decided I wanted to consolidate all of my credit cards and creditors. I went to my bank and was able to get an unsecured loan to pay all of these creditors off. My bank that I got the loan from told me I did not need to worry about contacting these companies because of the letter my bank sent all of these companies with my signature on them. Come to find out in the month of May, I received a bill from Capital One stating that I owe money from a couple of charges that were made in May.

I obtained a Capital One card in June 2014, with a credit limit of $300.00, in making an attempt to improve my credit scores. June through August seemed to go smoothly, with my paying off my entire amount owed ever time, on time. I then received an e-mail from Capital One urgently requesting that I contact them, citing that there appeared to be several fraudulent charges on my card beginning on Sept 4, 2014. After reviewing the charges, I spoke with them, and agreed that they were indeed fraudulent. I was then assured by Capital One that these charges would be dismissed, my current card cancelled right away, and I would be issued a new card right away. I received the new card 3 days later, and started to use it. As of Oct 3, 2014, I went into my account on-line to pay my bill, and lo and behold, 2 of the fraudulent charges from 4 & 5 Sept were still there, a new fraudulent charge dated 20 Sept (all 3 on the card that I was told was cancelled), and a new fraudulent charge dated Oct 3, 2014 on my new card! All from the same companies involved from the initial fraudulent charges from 4-5 Sept 2014.

Due to job loss and medical bills our family got into a very tight financial situation. We tried to keep up with all our bills, but at times would fall behind. A call to any of our creditors provided workable solutions to help us get caught up - except for one place and that is Capital One. They won't offer solutions, they won't offer any help. The only thing they repeat is for you to pay the ridiculous minimum payment that goes up every month because of how they calculate "late balances." When a client calls in, willing to work out a solution to PAY them and they can offer nothing, then something is wrong with that company. Jimmy Fallon should be ashamed of ever having associated himself with such a terrible company.

For every store credit card I have opened that uses Capitol One as the bank, I have had months where I do not receive my digital statements. Then when the statement is delivered the next month I have been assessed interest and late fees. When I call to complain they always say the statements are sent out but because deleted or junk email is deleted after less than a month, I have no records to look back on to verify their claim. They also say it is my responsibility to make sure I check on the accounts every month, as I promised to do when I signed the contract/agreement. In other words Capitol One takes no responsibility even when they don't do what they say they will do as part of the agreement.

I was denied a transaction of approximately $850 in Chicago at a major retailer. I had over $3500 in open credit. In over 15 years with this card I have never been denied. Cap One suspended my account and would not explain why they were worried about fraud and quickly opened the account. My only guess as to why I was denied is that the store is located in a poor black area in Chicago. Is Cap One racially profiling?

I have had a Capital One credit card for over 10 years and went to apply for a Capital One Venture card over a month ago. I received an email from them asking how I like my card. Card??? What card?? A month later and still no card. I called 10-12 times asking if they could be fedexed or at least sent 2 day. Yes, of course, I was assured. One week later, no card, no tracking numbers, nothing! I ordered more cards and still never received anything. I was told they were not sent out express, they don't have a tracking number, they had issues, they understand my frustration (really?- I find that hard to believe!) I was told this morning that a card was definitely going out today and should be here by Wednesday - not holding my breath - that's for sure! I guess they really do not care about customer service. I will be canceling all my cards and moving on! Can't imagine the hassle trying to redeem my points!

I was living/working overseas for two years and had $ under $1,000 in charges on Capital One CC. I paid it down to $350, due to overseas post it seemed my payments were arriving late and the interest rate went up to 29%, I tried to dispute this as I had tried to pay by phone on several occasions! I cancelled the card and they still charged me a yearly fee to which they added that 29% interest. While I was disputing this they sent it to collections and on to a lawyer.... Gary H. Kreppel, P.C. At which time he told me "our law firm is hired by Capital One, you need to pay $4,454.00, immediately! While you can try to fight this, it will cost you millions and you will lose more than $4,454.00 and it will be a lengthy costly process. So it will be in your favor to just pay". That was $3,000 more than I owed but I was frightened and did not want to lose my house.

Replaced a CIBC card in 2011 with a credit limit of over $20000 with Capital One Aspire expecting a similar limit. Card arrived with a limit of $7500. This was not enough to manage monthly expenses. They were told as such and an adjustment was promised after the first billing cycle. This did not occur. Many hours were spent in follow-up, negotiation and escalation. Constant answer is that "no limit increase" is rigid company policy and that early conversations were incorrect. Monthly balances are always paid in full, credit rating is excellent, household income exceeds requirement. This lack of flexibility is encouraging me to seek an alternative. I would be very wary in investing in the corporation.

Capital One Bank is a scam. They took money out of my bank account for a paid in full credit account. I took them to court and won. They refuse to pay. So how do you get money out of a corporation like that. So don’t get their credit card - this could happen to you!

They had offered that when you opened up a new account of minimum $500 you will get 75 in your account. I called up a rep. She said I clicked the buttons which said I will get 75 and I can open as many. I did just that. However 3 months later I did not receive the rewards. I called them up. Now she said I was not qualified. How does that work!

I received a deluge of mailings from Capital One for a 7.99% for life (no matter what) credit card! I had the card for several years. I charged and paid off thousands of dollars worth of business expenses. In Dec. of 2008 I had a stroke. For a period I was fighting for my life. During that period I did not pay any of my debts. Capital One decided that I should be punished, so, they raised my interest rate to as much as 21.99%. They found some fly by night law firm to sue me. When we went to court and I explained what had happened, The law firm dropped the case. Little did I know that Capital One was not through with me. I am constantly harassed by other law firms and collection agencies!! In addition my credit is ruined by Capital One!!

My mother is 91 years old, lives in an alzheimer's facility in Florida and is in the end stages of this dreadful disease. She does not have a Capital One credit card. I am her POA on everything and I am also on her bank accounts. I received a call today from the fraud dept of Cap One regarding a possible credit card fraud on a CapOne credit card in my mother's name. After I explained her circumstances to this person....more than 6 times.... she continued to insist that she needed to talk to my mother and if not, then she needed to leave a message for her to call them.........WHAT??!!.. I just tell you that my mother is under hospice care and in the end stages of Alzheimer's and you insist on talking to her????

I had a credit card with Capital One that I could increase the credit limit on by depositing money. I had a 2200 credit limit when I deposited an additional 1,000. The card however had a limit of 3,000 so they owed me a refund of roughly 200 dollars. I received an electronic deposit from them of 100 dollars, which should have been 200. When I called, after speaking to multiple customer service reps and being put on hold several times finally someone looked at my account. They acknowledged and agreed a refund of 100 dollars was owed, and promised to send a check.

I had a Line of Equity Account, which turned out to be a balloon note and was notified the month it was due, which was Feb 2012. I contacted Capital One and asked for options as I could not pay it off. I was subsequently notified that a fixed rate loan was the only option. I filled out the paper work and waited. I finally contacted them and was told that it had "fallen in the cracks."

After I got a divorce in 2002 my ex got a card for credit from Capital One. Well in 2014 September 8th, they are calling me because she is not paying the card. This needs to stop. I have the listings. We are 100% divorced. It shows me as a relative on these site. No I am not--how do we sue to get this listings changed??? I called. They won’t change them.

I have a Capital One credit card that I keep a very low balance on. Wife paid statement from a savings account I do not use, but she did not know it, and the payment did not go through. We check the payments through our pay history on their website. Their website says payment was made even though it was not. I even screen shot the payment history and it says paid with a big green check mark beside it. I found this out the day before my house was to close and they pulled my final credit report, and needless to say I lost my house loan... and to boot, that little 75 dollar payment dropped my credit score almost 100 points. My lender told me to get a letter from Capital explaining the error and that would fix the problem but Capital One refused. They said they had no fault in this situation. I told them that that is not true since their website... that I was looking at when I was on the phone with them said the payment had been made, which is how we track to make sure that payments go through.

Capital one cards are great for boosting your score. Depending on how low your score is when you apply you may have to begin with a secured card. Secured cards require you to send in some of your own money upfront but it is refundable and it is totally worth it if your credit means a lot to you. Capital one reports to the credit bureau often and they have excellent customer service. You do not have to link a bank account to pay and you do not have to pay 10 $ to Western Union or Walmart either. They have tons of payment vendors. The one I use is 1.50$ but it is free also to pay online from your bank account.

I am trying to apply a Quicksilver card with reward online. I have perfect income and credit score level. I was denied! I only apply for $1000 per month to try out and for travel. Some chat person was trying to help me. In fact, they can't. I am worried that they are fishing my personal information.

I was sent an invite to get a Capital One CC. I had to call in the information because I have a Freeze on all 3 credit bureaus and had to provide Cap 1 with an access code so they could access the credit information. This caused a great deal of confusion and I ended up talking to the department Manager (Peggy **) who basically said they didn't need the access codes to access my information and they had already done this 40 minutes before I knew the access code to the 3rd Credit co. Then she said I needed to lift the freeze Globally (anyone could access) on all 3 credit bureaus. Doesn't make sense to me.

Similar to some of the other reviews, I applied for a Capital One credit card mainly because I travel a lot and wanted to take advantage of the no international fees perk. Anyway, I applied in the Capital One 360 Cafe on Boylston Street in Boston. The people were quite nice, but in reality they didn't do anything I couldn't have just done from my personal computer. They get the account setup for a debit and credit account and the cards are supposed to be in the mail. Easy, Fast, and In-Person. Well... not so much.

So I applied for the Sony PlayStation card through an email I received with Capital One. I said why not because of the $50 voucher for PlayStation Network. Well, I was approved for $3000 limit and received the card in about a week. I activated the card with no problems and was using it just fine making purchases of items I needed and to pay my rent on time. Well here is where the chaos starts.

Capital One offers a free "Trans Union Credit Score". Seemed like a good thing (a little "perk") That was until I checked the score. Since I receive my 3 credit bureau scores from Trans Union directly, I thought I should compare.....Surprise ....The Capital One credit score they stated to be from Trans Union was 150 points LOWER than the report I get directly from Trans Union. After 20+ phone calls (25 hours of online and phone) including a 3 way conversation with a Capital One Representative, myself and a Trans Union representative who stated the score sent to me by them (Trans Union) is correct. All this was to no avail.... Capital One states my dispute is with Trans Union. Hard to believe that so many inept people could be employed by one company. I work very hard to keep good credit as well as spending $$ to get weekly reports. I think this may be a class action suite situation for a hungry and aggressive law firm.

So before accepting their offer for a new credit card, I searched online and saw a lot of dissatisfied folks dealing with Capital One. Despite all of that, I decided to give it a go since I'm trying to build my card as a starter. They approved me for $500 and my card was mail since 08/15/14, and today is 08/26/14 and I still haven't received my card. So I called them, and the lady asked me to verify my address, which I did, and she said that the APT # was missing which is the reason why I didn't receive it. **! I totally recall entering my apt#, I'm not ** retarded.

I am more upset at them than the company that ripped me off! I purchased personal training sessions from Gold's Gym on my Capital One card. After I made attempts to schedule training sessions, only to have them rescheduled and canceled, I decided to cancel my sessions and my membership. I walked in to the Gold's Gym location to speak to a manager and eventually the general manager, and canceled my membership and training sessions. The gym apparently denied my refund and never notified me. Not only did they not notify me, they processed an additional monthly personal training charge of $80. I called the gym, in an attempt to rectify the situation, but to no avail. The robot, Sharon, on duty manager of the Simi Valley Gold's Gym, callously informed me that it was denied and offered me no solutions to cancel. I contacted my banks to dispute the charges. Neither Chase, nor Capital One performed the way you would expect your financial institution, but at least Chase did their job.

In March I was notified by mail by Capital One that my card was being restricted due to suspected fraud. It was released eventually, but 2 weeks ago I was checking my card activities and balances and saw my Capital One card was Restricted due to Fraud. I contacted them and was told they needed a copy of my driver’s license and social security card. Then last week they called and added that they needed a copy of my utility bill. This morning (Sunday Morning!) they called and needed to have a 3-way call to verify my PG&E account with a PG&E representative. I told them its Sunday and offices are open 9-5 Mon - Friday, but they tried anyway and told me there would be a 50 minute hold time, after which they told me the lines were down due to the earthquake this AM (PG&E and our local lines were NOT affected).

The other day, I got a Capital One credit card in the mail. I did not apply for it. The card was ready for use ($30,000.00). The paperwork had the last 4 digits of my social security number. I called them up and stated I did not want their card and asked how this could happen. The person from who knows what country was clueless. I then went online and got a customer service phone number and called it. The guy couldn't say how the account got started but said there was a fraud alert for this card. He asked for the last 4 digits of my ss #. I gave him 2 numbers and he confirmed it was mine. I told him to trash all data. A couple days later, I got a letter in the mail saying there was suspected fraud on the account. They want me to call at once to figure it out. I think I figured it out. This whole thing seems like an attempt to sell me account or identity theft. Nice try.

My husband applied for a capital one credit card online last week. He was approved and he received his card today. So when he got home, he called to activate it. The recording asked to verify the last 4 digits on the card, and the last 4 of his SSN. The next recording said there is fraudulent activity on his card and would be transferred to the fraud dept. We thought it was really odd, since he was trying to activate it. We waited for almost 10 minutes for a rep. He asked my husband to verify his identity due to fraud. He asked to verify his Name, Birthdate, SSN, and address. He did. Then they wanted his driver's license for further verification. My husband was going to do it, then I stopped him. I told them to ask, how can they verify his identity through his DL number when it was never given. We thought it was really odd, so we called back on a different number I got online for Capital One.

On the phone about an hour and a half...I have multiple accounts here with a lot of money in them...got nothing resolved. Women was so nasty, asking me over and over to verify the same things until I had enough. Placed me on hold to talk with a supervisor ...nobody ever picked up. I had it with them and WOULD NEVER RECOMMEND CAPITAL ONE TO ANYONE. I AM MOVING ALL MY ACCOUNT TO BANK OF AMERICA.......CAPITAL ONE = THE WORST BANK.

A month ago, I called to pay off my account. I noticed an email a few days ago that reflected a 'statement.' This was a surprise to me since I spent an hour closing and paying the balance. I even called friends and family after the fact to tell them how pleased I was to be done with Capital One. As the owner of a small business, I reluctantly drew an account for less than 3K to assist with my business' first trade show. Since then, even after monthly payments above the minimum, my account barely moved due to their extremely high interest rates. This company basically just steals money. I finally closed the account less than a year later and asked the rep to pay my balance in full.

To be fair and accurate, Capital One is a business - that's about where it stops. I have had one of their cheesy cards for about 2 years, never missed a payment and overpaid most of the time, but I don't use it that much. I was thinking (big mistake) that if I kept a balance on the card and paid these clowns the interest consistently that they would increase the limit over time. This is not the case! I talked to one of their account supervisors today who said they do not increases limits except by some computerized formula that works automatically - therefore she had no control. When she told me this, she then proceeded to try to tell me why this was a good system, but seriously, I have no interest in their reasons since I am renting a vehicle to move to go across province to start a new job that pays 3x what I make now.

I recently received a Capital One credit card. I used it three times when I received a call from Capital One informing me that there may be fraudulent activity on the account. I returned the call and spent at least 2.5 hours trying to find out what was going on. I answered the security questions and was informed that my telephone number (the same one on the account, and the same one they called me on) could not be verified, which left me with two options: first, I could photocopy my driver's license and Social Security card, front and back, and mail it to them. Upon receipt of these items they assured me that my card would be released. Second, I could go to a bank and ask the teller to verify my identity.

A friend of mine received a counterfeit $100 bill from a Capital branch. I too bank at this institution and it prompt me to have the representative check the money before giving it to me. I was told they don't check their money with a counterfeit pen but they can put it through a machine. If the machine beeps then something wrong. I went to my local branch yesterday and a representative gave me a hard time about checking the money. She said with a laugh the machine don't always work. This angers me because I work hard for my money and don't need a bank giving me fake money. They don't check money they receive from deposits and can't assure consumers they are not receiving fake bills.

I paid my last payment in may. I was told it's the last payment. I was waiting for the title in the mail. 8 weeks later my car is missing. I called. They said it was repossessed because of 2800.00 in late charges and fees put on the back of the loan due to me losing my job and I was late with some payments. I was not given the opportunity to pay the balance. My statement said zero balance, zero owed. I PAID 35,000 FOR A 2007 ALTIMA ONLY WORTH AT THE TIME 10,000.... I TRIED TO GET THE CAR BACK BUT THEY SAID NOW IT'S 4,800 PLUS TOWING, STORAGE AND OTHER COST. I tried to get a loan from them to pay for it but they sent my car to Wisconsin to be auctioned off. They said you were late on some payments. I WAS. I would have paid it just like I paid the car. I'm a single mom, no car to get to work.. What a heartless crooked finance company that robs consumers having difficulty or loss of job.

I've had my Capital One card since 2009, I got it right before going overseas by myself for the first time during my studies at UNC. I was glad to get it, needed one for while I'm abroad. I got a limit of 300$, I knew it wasn't much but had a good stockpile of money to handle expenses and any unforeseen circumstances in France that summer. Let's fast forward to 2014, the current year we are in.

It is unfortunate that I have to write this review. I have had a Capital One Platinum card now for 2 years and it was a decent little card. Interest was a little high but I was building my credit so it was acceptable. Unfortunately, I was told today by Capital One that THE FORGING OF MY SIGNATURE IS NOT ENOUGH PROOF THAT A CHARGE WAS UNAUTHORIZED! Instead of fighting for me, they have allowed a $1,200 charge on a card with a $500 credit limit!

I had a GM Mastercard for over twenty years and never had a single problem until Capital One took over the card operation about a year and a half ago. Six months or so after the switch to Capital One, my card unexpectedly stopped working. The Capital One security people questioned a perfectly legitimate charge. The same thing happened a few months later. Even though I had over $9000 in available credit, Capital One thought a $2100 charge for a deposit on a cruise was too high and they again put a freeze on my card. This time no one had the courtesy to call and let me know.

First of all, when I misplaced my card, I called and "froze" it, until I could get my hands on it again. Once I had the card back, I called Capital One to "unfreeze" the card. I had a lengthy conversation about my card and how I had it back and just needed it to be unfrozen. The customer service rep, ("David") said "Yep, ok, I've cancelled the card."

I got approved for $500 limit with Capital One. I am up to date with my payments. I made a payment of $400 and it was on hold for 2 weeks. I tried to use my card and it was declined. I called them and they said it was on hold. That's a big amount of money for it not to post right away. Now I missed a payment and posted dated 3 payments for the next month in half and I went to charge $10 and it was declined again because I didn't make my payment one time. They are just scam artist. They approve you for a credit line. Their interest rate are extremely high. And they always decline. They suck. Don't recommend this company.

Car rental company mistakenly charged our card twice. When I called to dispute the charge, National refunded the money immediately. Capital one refused to accept the verbal authorization on the phone, or accept an email or fax verifying this, all after telling me that if they had an authorization code they could put the refund through. I wasted 2 hours on the phone so they could ultimately not help. Awful customer service.

I have had my credit card since 2007 and on July 21, 2014, I went to look at my balance to make a payment only to find out that my card was closed because my social security number did not match their records. I call and spoke to Debbie in the Fraud department who told me to send in my driver’s license, social security card and bank statement which I did. I call back two days later and was advise by a supervisor that since my social security number did not match the account was closed and I should continue to pay on the close account and apply for a new card. I am totally outrage. If this is not my account why are they asking me to pay?

I have been trying to activate a new Quicksilver card for about a half hour. First few pages where they ask for answers to security questions went fine, but upon hitting "Continue", I get a message that they're sorry, but there was a problem and to call an 800 number. Did that... and the voice menu was mush; not understandable. Having second thoughts about switching from Citibank to C1.

I went to an atm this morning to make a withdrawal for the deposit I needed for dental work today. Everything looked ok until I confirmed the amount. Then the atm showed declined and gave me a receipt which said, "your bank requested card be retained". When I called Capital One I found out my card was suspended because someone tried to use my card number in California. They do not notify customers when this happens. They just wait for customers to call them when the card is declined. What if this had been an emergency? Fortunately I have an account at another bank for regular bills and could keep my appointment. The bank, knowing that I would not have access to the money in my account should have contacted me immediately.

My check goes dirt deposit - on July 3, 2014 a deposit was made. On July 4, 2014, a draft was made from My phone company ATT. It showed where it was drafted out by internet and by phone. I began monitoring my account because Capital One will find a way to steal. Each time I touch my account, I check by phone and internet. My problem is all this payment that was made was pay out from what was showing on my last payment on 7-3-2015. Now the same payment again on 7-7-& 8-2014. Like I do not have sense to call these people and they just going to lie for the bank. Absolute not.

I received a pre-approval for the Capital One Quicksilver card in the mail. I made the decision to apply for the credit offer. Keep in mind I have several other cards with a combined credit limit of $70,000. When I filled out the application online I was instantly approved... for a $500 credit limit. Exactly what does one do with this type of limit? NOTHING. So everyone is clear. My debt to limit ratio is under 10% and never a late payment or any type of derogatory info on my credit file. The last card I applied for was with Bank of America, and received a $13,000 limit. Now there is a credit inquiry and new account on my credit report, but a card that is basically useless. I will NEVER use Capital One again for any reason.

On June 10, 2014, I went inside one of Capital One's Bank branches to open up an account. I opened the account with a check. I was told that a certain amount of the funds were available immediately and the other amount of funds would be available two days later. I received a dummy debit card and also personalized the original bank card when it arrives in the mail. On June 13, 2014, My dummy debit card was used to make two separate transactions. I called Capital One to let them know what happened. They told me that both transactions went through. One is pending and the other one is active and current. I was told to call back on Monday the following week to see if anything else happens.

After my credit card was fraudulently used 24 times from the same place, the card was finally deactivated. I called & the situation was (or I thought) taken care of within 3 days. A week later the exact same charges showed up again. When I called to ask, they told me the investigation would take 30-60 days after I was told it was taken care of. Now our family vacation that has been planned for months, that we are leaving in 4 days is ruined! I wish I would have never paid off the account because I would have plenty of money in my checking account but instead I paid off my card & now only have $200 available! Nobody can help me at Capital now I have spoke with managers & nothing has been accomplished!

I have had a Capital One card for several years now and have never missed a payment. I have had hardships and called them to explain that I wasn't able to make my July payment this month. They said no problem and they would just put the minimum due payment on my TOTAL BALANCE for the next three months and after that time I could just make the minimum payment from then on to keep my good standing with them. I had the representative repeat the program three times so I understood very clearly what she had promised me. Well today I received the monthly statement and it showed I was past due and that my minimum payment needed was doubled. Frantically I called them and explained what happened and to my surprise they said they never heard of such a plan. They refused to do anything to help me so I had them close the card forever.

Fee misconceptions - I just had the worst experience with Capital One credit card customer service and let me tell you, their customer service is horrible, stay away from this madness. I'm so pissed off with them and I will not refer anyone to them.

Canada, I applied for the 14.9% card in Nov. 2013 and was approved for $300.00 with security deposit of $75.00. After 6 months of paying my balance in early and in full, I received a letter saying I could increase to $2300.00. I called the automated line to accept the offer and by 9:00 AM the next day, the increase was already in effect!!! Thank you Capital One for giving me a chance and being so amazing!!!!

DO NOT venture to have Capital One credit card for you or your enemies. This is the world worst deteriorating self-centered company. I had a credit card with them for over 2 years with outrageous & skyrocket APR. It was the deepest well that got me almost drunk. I started working so hard to pay it off. I never missed any payment until I changed my job. I called all my credits companies including Wells Fargo and Discover cards to report my pay-check date had changed.

I had two checking and two savings accounts (regular and 360) for several years. In June 2014, "Capital Zero" arbitrarily closed all of my accounts with only three days' notice. (Unbeknownst to me, their notification letters sat on someone's desk for a week, before they were mailed.) I couldn't make alternate arrangements that quickly. Therefore, some of my direct deposits that arrived after my accounts were closed were returned. They also closed my husband's separate account, simply because his account was jointly in my name. All of the Capital Zero management officials with whom I had previously communicated ignored my requests for an explanation. Their customer service is miserable.

When notified on Jan 1st of the Target account breach in mid-Dec, the Cap1 email stated "If we determine that your account is at risk, we may proactively issue you a card with a new account number." A new card was shipped on Feb 17th with the instruction to stop using the old card as soon as the new one arrived and was initialized. This happened on Feb 21st. The new card came with assurances that the old card would be shut off so we left for a vacation in Houston one week later, confident that the problem was taken care of. In mid-vacation (Saturday Mar 1), a $400 charge and a $300 charge were made against my old (supposedly closed) card at two retail locations in Tacoma, WA.

I had an Orchard Bank Card that was switched over to Capital One. I received a bill today for $170.10 that said the balance had to be paid in full by August 2nd and that my account had been closed. I had not use the account in a year so I was surprised that there was any balance on the card. This was the first statement I had received from them. When I called, I was told that I had unpaid membership fees that went over 120 days unpaid so they cleared the balance and closed the account. They said that any credit bureau reporting had been cleared off. I was transferred to a manager, who when I informed that I hadn't received any statements or letters until today said that "you should contact the post office to find out if they're sending all my mail". She couldn't seem to understand that this bill seemed to get to me just fine. If anyone has, or might unknowingly no longer have, an Orchard Bank card that has been transferred, make sure that you are receiving your statements and if you haven't used your card in a while, make sure that they haven't done this to you also.

HORRIBLE Nightmare experience with Capital One bank! I have (had) three accounts with Capital One bank: a savings account, a premier checking acct and a high yield checking account. On July 2, 2014, I called to close out the Saving account as it was no longer needed. The savings account was closed out. On Monday July 7th, when I logged into my account not only was my savings closed out (which I had requested), but my Premier Checking was closed out as well! I had numerous NSF charges and a return items from my homeowners Insurance (auto deduct)!!! I called Capital One and spoke with a Manager and was told they closed the account. I proceeded to tell her I NEVER asked for this account to be closed. She indicated she would reopen account and all would be fine with my Premier Account, but indicated I would not see the change on my side for a day or two.

I completed an application stating that I was unemployed and that my income consisted of my very healthy divorce maintenance. They sent me a letter saying that my social security number wasn't enough and that I had to send them my tax returns or bank statement to prove my income. Can't they obtain that information with my social security number? I'm 51 years old and no one has ever requested these from me for a credit card. If I was a college student earning 10,000 per year, I'd get approved. They were of no help whatsoever and them reading from a script gave me no logical explanation. I often get credit cards mailed to me. How is it possible that Capital One makes it virtually impossible for a divorced woman to get a credit card? Sounds like discrimination to me. I asked them if I were married and unemployed, would they approve me and they said yes. What?

A just 2 hours ago got accepted for a classic card which then told me that my card and pin will be sent out very soon. But there was no details on which credit limit I was given. Do they tell you by letter? Does anybody know?

My husband had an account with Capital One and an excellent credit score. It was paid on time and carried a small balance, but had a credit limit of $6000.00, this was to be used for vacation and/or emergency. Having this card for 5 years +, he went to use his bank debit card and it was declined due to "Frozen/Locked" account. Capital One had filed a judgment against him stating his balance of $6400.00 was past due and no payment had been made for months. His card number had been used for almost 3 months without his knowledge and $6000.00 was the amount charged. As soon as he found out, he reported this to Capital One and his bank that had frozen his account.

I received a letter to upgrade my credit limit from 1000.00 to 5000.00. I followed the instructions when doing the phone activation. Over the next two month I had minimal purchases and paid them off, no problem. On June 18, 2014 I walked into a travel agency and spent two hours finalizing a vacation to Vancouver for ten days. I went to pay with my credit card the 3800.00 and guess what! They never activated my increase and I was left embarrassed. I ended up paying for the return airfare with my credit card and had to withdraw 3000.00 in cash from my bank to pay for the rest and I also had to transfer 2500.00 in cash from I.N.G. which takes two business days so I can have some cash for the trip and keep 1000.00 float in my bank account at home. THIS IS NOTHING MORE THAN INCOMPETENCE ON CAPITAL ONE!!!

I am extremely upset at Capital One who gave my son, who is on SSI with extremely limited income. They gave him several credit cards (6). Unacceptable and CRIMINAL. They prey upon those that are disabled. Filing a complaint with the company.

I applied for a credit card. I have bad credit. I got approved for a secured line of credit for $200.00. It cost $49. I’ve had the card for less than 5 months. Today I checked my statement. They increased my limit to $500. All I did was charge small things and paid $10 a month more than the minimum. Great card!!!!!

I applied to Capital One and they rejected me as I have a Fraud Alert on my Credit Report which I have to ask lenders for verification to avoid fraud. They said that I couldn't be contacted using the phone number to verify (never had a phone call), then changed their story to my alert didn't have a phone number but I have all my credit reports and phone numbers ARE THERE. I escalated to managers and they were supposed to call me, but instead they sent me a letter with no contact details on it from a "R **" who said my alert is out of date and they would not reverse their decision - a 3rd story change!!!

Bad customer service, especially from Fraud Department named Cindy. She pointing out that I was involved in that activity. Reported to her manager but I never heard an apology. I asked him to review what she said to me, but he refused it, and he just told me that no one convicting me. I was so terrified of what that Fraud Specialist told me. She convicted me of the activity that I didn't commit. I'm still upset until now.

I was told on June 3, 2014 that I would receive a refund cheque within ten business days. I called June 10 to see where the cheque was and it had not even been issued yet. Now they are telling me it will take till Aug. 1, 2014 before I receive the cheque. Thirty days from the 10th of June. I think this is a load of crap. It is my money and the two agents I spoke to on the third both assured me I would have it in ten days. This is very bad business. Once I pay the card off, I will no longer use this card ever again. You just lost a very good customer.

I contacted Capital One on 5/11/14 to close an account as I did not wish to be charged their $49 "Membership" any longer. I explained that I do not even have a membership fee on either of my American Express cards, nor any other card that I hold. I was assured the account was closed and I had a zero balance. The following month statement of 6/4/14 had a past due fee of $25.00 and a membership fee of $49.00 for a balance of $74.79. I personally feel this is a process that Capital One uses to show bottom line revenue. I have a total of 5 Capital One cards (all with a zero balance) and will close all of them as I do not want to continue to do business with a company with this type of oversight/practice.

I have several bank accounts with my elderly father as I am in charge of handling his finances. This bank at several locations has allowed other people, other than myself to make transactions for my father. When I have gone into my branch location in Jersey City on Westside Ave, I spoke to someone whom was very condescending. Apparently she found the situation very funny and snickered the entire time I tried to talk to her. I never had problems with my bank until Capital One took over. Because of the constant problems with other people being able to access mine and my father's accounts without proper identification, I have made the decision to find another bank that values their customers.

I purchased a car a couple of weeks ago and Capital One was the lender. Everyday, 2 to 3 times a day I get a call, but no VM. I pick up and get dead air. I finally got a call that connected and the first thing I notice is that the Representative speaks very poor English, and she is telling me to verify who I am, I must give her my SSN and/or address. I am 99% sure she was not in the US. It really bothered me to come to the realization that people who hate Americans are privy to some very personal information - heck, everything that keeps me connected to my lifestyle is on their computer. When I hesitated about giving the information she snapped at me and hung up! What are these banking corporations thinking?? And it was Cap. One customer service - the caller ID does not lie.

I went to Capital one bank in PG Plaza, Branch 61309 last Sat 5/31/14. I was very much please & delighted re: impeccable customer service I received at this branch. I WOULD LIKE TO THANK Sia for PLEASANT EXPERIENCE. KEEP UP THE GOOD WORK.

In 2003, Capital One contacted me saying that I had an account with them amount due somewhere around 900. The account was opened at my Dad's address which I didn't live there. I was still in California, didn't move to Nevada until November 03. They said the account was opened in May 03. I just went through terrible separation after 25 years of marriage so I moved to Nevada at my Mom's address which was a different address from my Dad's. I got a summons from the court at my Dad's address. I wasn't there to sign the papers so my Dad signed them, I was in California.

I made a withdrawal at Capital Bank located at 257-03 Hillside Ave. in Floral Park, Queens, New York. The amount was for $3,000. **, the bank teller, asked me for my photo ID. After scrutinizing the ID and my account on the computer, he called over ** (Head teller?) who wanted the last 4 digits of my SS#. It took her another 7 minutes to look through my account. During this time, I asked her if the money was in the account. This was only a $3,000 transaction!

Capital One embossed my ** PIN number on the front of my debit card!!! Have they lost their ** minds?!?

Hi, my brother passed away 2 years ago. He didn't owe Capital One a considerable amount of money. I thought I was doing the right thing in contacting them - bad mistake!!! I have had endless letters for Capital One asking for a rundown of money my brother had... I phoned them and told them he had no savings and we as a family paid for his funeral - we had to sell all his belonging to save a little in funeral costs. They ignored this and said to close his account they need this information! I'm so angry at this company. How can they live with themselves? My brother died 2 years ago and I'm still being reminded. They've no idea how much this hurts me.

I have been a customer just over a year ago. My credit limit was $300, then like the credit steps letter said, it increased to $500. Now I asked online. l got $2500. I did nothing special even had 80 percent util. sometimes but I did pay every month and carried a balance. So I'm very thankful for all they've done for me. I now can't wait for it to hit my credit score.

Where do I start? This bank routinely messes up my payments (I use their automatic system). Then when I try to get them to straighten it out - they have actually told me it was my obligation to figure out what they did wrong - no lie - just had that happen. They then charge me a late fee because their system didn't record my payments. They have so screwed up my account that they have cancelled my house insurance payments so that my house was uninsured and I didn't know it (totally their mistake). I really could go on and on.

I'm the owner of a small business. A former employee of my business stole a SPARKS Capital One business card from me and used it for many months. Capital One disclosures say that they will contact me regarding suspicious activity on my account and reimburse me for all fraudulent charges made on my card. This is simply not true! This card had been inactive for 3 1/2+ years and should've been closed by Capital One but wasn't. She somehow gained access to a card, enabled the card, requested a PIN and immediately began shopping and requesting cash. There were many months she was even late on payments. As the primary cardholder, I was never contacted by Capital One - this could've ended months of fraud. I contacted my local police department and Capital One immediately when I was made aware of this fraud.

I called the Customer Service number and politely asked if the person I was speaking with was in the United States. She said no, so I asked to be transferred to a rep who was. She was very rude and kept telling me that she is not able to do this. I refuse to speak to people out of the U.S. to conduct business. After sitting on hold for several minutes, my call was disconnected. I am very mad that Capital One has subjected me to such rude, uncomprehending people that cannot help me in any way with my account.

Well as anyone knows, with bad credit you really are nobody. So I decided to ask Cap One for a credit rebuilding card which was the one that has a 300 limit. I could have gone with another card but at a high interest rate of 36%. But Cap One has one at a still high rate of 29% which is a lot better plus no big 95 dollar fee to open. Pay 29, 49, or 200 and have a line of credit. Well to make a long story short, I was turned down 3 to 4 times, all the while Cap One was pulling down my credit score. That's all they would say was.... Well if you are not approved for this card try again and again. Called to ask why and they dredged up some stuff from my past that had to be 5, 7 to 10 years old and some lame thing about not having revolving credit. Well Cap One, if you got bad credit who in the world is going to take you?.. It was my impression that's what a rebuilding credit card is for. I have seen people on unemployment, illegal aliens, drug dealers have this card. Even my cousin who is in jail for embezzlement was given one. Do you think i don't know how it works?.. A person gives you 75 dollars for, well let's say 200 dollars line of credit.

So capital one insisted that they received less than what I wired. I will need to track the source more. Regardless, they still charged me 15 dollars per wire, which was more than 10 dollars, which is what the lady who opened my account told me. Capital One should publish the fee schedules and make it clear.

I have a business card. I travel, card was declined. I called, plenty of space left, never ever late with a payment. Why is it restricted? They needed me to prove who I was. Fine, no cell service where I am in the mountains. Told them that, didn't believe me. Told me to go to a strange bank in a strange town, have them verify who I am. Have the strange bank call them and they would give me 'secret further instructions'... SERIOUSLY? Who is the fraud here? Capital One!!! I am transferring the balance, the payment I am sure they will accept, and cutting all of the accounts up. Worst Customer Service and Worst Card robbers ever! But them up people... go to Barclay!

On March 16, 2014 I checked my Capital One account online and found $3k in unauthorized charge. I was told my card was cancelled, but the following day another $1k in charges came thru. These charges all took place at a Walmart, McDonald's, Chuck-E-Cheese, etc. in Green Bay Wisconsin. I live in Sunnyvale, CA and have never been to Wisconsin, and never shop at any of the establishments where the fraudulent charges were made. They all occurred over a week and a half period, and I usually go online and check my balance every week or so, and was surprised when I saw the charges come up.

The day before my payment on my KOHL's account was due, (through Capital One) Capital One's website stopped accepting my logins and told me I had never been logged in before, which was untrue since I had paid previously using that exact login and password. I called to make a payment over the phone and their automated system said they were "too busy, good bye" and hung up on me. I was not able to get a hold of them for a few days. When I did get through, I was told I now had a $15 late fee on a $48.69 balance. Effectively over a fourth of the remaining balance and further that if I paid over the phone I would have to pay an additional $10 for the privilege. They did agree to waive the fee, but after I paid it, they kept the fee and claimed it was because of a $1 service charge they added on without telling me. They are thieves and a sign of what is wrong with this country when this kind of behavior is allowed.

My payment was behind because of out of work so talked with agent on the phone at Capital One and he talked me into put a draft on my bank account (for a week away) for the payment even though I told him I didn't want to because I probably wouldn't have any $ in the bank then. And I didn't, so I called them to stop it and they said there was no draft set up on my account, but it came through the next day and cost me $72 overdraft charges (might as well be $1,00000 as broke as I am). I called them to stop it so it wouldn't come through again and they said they couldn't but I called my bank and they said that they could if they wanted to.

First time, I forgot to make a $20 balance payment just a few days past the due. I need to pay for the interest and the finance charge, which is OK for me---it is my fault. Then, after I make all the payment, and a couple of days later, I used the card for a purchase, the next day I was charged a interest for the purchase. I called for a reason, they just read the disclosure to me, which basically said that I need to pay an interest because I had a late payment before. I don't understand--- I paid everything and used the card after that, I can't use the card anymore without paying interest for anything I spent on the card in the future? So I close the account by phone.

The Customer service has been calling my home before 8:00 Am when my family is sleeping, at night even after 8:00 Pm for a past due account. Five calls a day, at home, at work. Have explained my current financial situation: "we don't care; you have to pay today!" Tried to arrange payment, that was rejected: "we will call until you catch up" the agent shouted. I made partial payment and begged to get a break until next payday - they just keep harassing my family, day and night. Criminals are treated better. I believe the practices of this company are beyond acceptable. They are harassment, don’t listen to client, just want to shout, belittle you, and humiliate.

I opened an account with Capital One Bank here in League City, Texas in October 2011 at .75%. The first full year the interest paid fell short by $300. The year 2013 the interest paid fell short by $1,400. When I asked for an explanation, I was informed that I had the option of taking my account elsewhere and that the .75% was a teaser or promotional rate. This was never our agreement when the account was opened. No other bank or institution has done this to any account with them, all paid the interest agreed at the time of opening various accounts.

In 2005 obtained a Capital One credit card shortly after lost my job and things went sour. The last contact I had with them was in 2006. I started a new job in 2013 and shortly after started getting garnished from Capital One for $2900, paid that and now they are garnishing me for $1400 in interest? I'm in the process of getting a lawyer. This is a bunch of bs!

Even though we had paid last month's bill in full, we had accrued our credit limit for the following month. We were traveling and this Capital One card was the primary card used for our trip. We immediately paid the following month in an attempt to rectify the situation, but was told that the payment would not go through for another day or two. Now we don't have a card in a foreign country. There's no option in their system to help their customers. We've been loyal customers for 11 years without one missed payment. We attempted to increase our credit limit to no avail. There are no options! This is unacceptable behavior and I wouldn't recommend this company.

Had an account with this company for years. Out of the blue they raised my interest rate 9 percentage points. To say the least I will never do business with them again!! I cancelled my account immediately!!

This Elliott ** didn't even listen to my complaint, nor show any compassion. All he cared about what collecting money. I received a letter saying all my debts were paid in full. So I go out and get a truck loan & a personal loan for a new roof. Now, 15 months later, Capital One comes back & says, "Oh sorry, we made a mistake & we will be wage garnishing your check for 9 months at %15." Now I can cash strapped. When I asked Elliott ** about, he could care less. He didn't even try to understand or investigate why I received a letter stating that all debts were paid & then come back 15 months and say otherwise. He was very rude on the phone and unprofessional.

I have had a Mastercard with these morons for 15 years, was short one time on a payment by $5 and they screw up my credit... No help when you call, 21% interest and they charge a yearly fee, what a joke. Well its paid off and I will never give Capital One another penny. Do yourself a favor and go with anyone for a credit card other than these crooks. Thanks.

I made a minimum payment on my credit card two days after the due for the following month, they didn't apply that to that month, then I had a late fee and missed payment. Now they jacked up my month payment. They have done nothing to help me. Their customer service is horrible. I have spent excess of 20 hours dealing with them. Stay away from CAPITAL ONE.

I signed up with a special 0% balance transfer offer. As they suggested I transfer a balance up to my credit limit. They then added the transfer fee which put me over my limit. Despite two calls to two different rude reps they dinged my credit record for the over limit. I paid off the card quickly and then requested a limit raise. They refused. I waited for over a year and asked again. They refused again. I have now cancelled my card. Capital One = rude customer service and bad business practices.

What was Capital One doing when our country needed help during economical tough times? They were very busy being so focused on taking advantage of the unemployed victims to make certain they couldn't recover financially, hence, more interest rates can be gained from them, in addition to making certain they are also doomed for life. "Cold-hearted un-American" couldn't describe enough of "Capital One." Shame on them, but then again, they have no shame... May the company fall from lawsuits that they so very much deserve!!!

I had a Capital One card for probably better than 10 years. I always paid on time and my credit with Capital One was so fantastic, I had a Platinum card with $10,000 credit and little if any interest. I was laid off in 2009. My husband was also laid off. We had a little over $6000 in credit card debt with Capital One. I called them and asked them to freeze the amount and I would make small payments until we were back on our feet again. I talked to them on more than one occasion. Capital One refused to work with me.

Been disputing a relatively small charge which has been proven to be illegitimate after speaking with the merchant and Capital One and now my patience has run out so I'm venting on here for the benefit of anybody who might be looking at opening an account with the bank. The process to dispute a charge has been drawn out unnecessarily and littered with misinformation from Capital One reps (for instance being told that the charge would be taken care of, when it never was) and total incompetence and disorganization (a letter which was requested and sent was supposedly received but then lost? What one rep told me the day before concerning some procedure or process was incorrect, etc.).

I have had an account with Capital One since 2000. It has ALWAYS been in good standing. After I called asking if there was a lower interest rate available in December 2013, I was told that my interest rate would go to 9.90% on January 21, 2014. Fantastic, I was very happy! I made a large lump sum payment to my account to lower the balance. On my next statement the interest rate actually went up to 17.90% and I am being told that there is not a lower rate available and there is no record of my previous phone call confirming the lower rate. Now, not so happy!!

My bank paid off my capital one credit card balances two weeks ago and I signed a letter asking them to be closed... I received two letters from Capital One stating they received a letter from me requesting my account be closed but claimed they never received a check for the balance... my bank put the check in with the letter they claimed to have received. They said in the letter to me they only received request and check was not with it..... well... After speaking to my bank they saw one of the checks Capital one claimed not to have had cleared. I tried to tell the customer service rep. that but she told me I would have to talk to someone else... then I was told I would have to talk to someone else again...

I have had an account with Capital One for over two years and have never missed my payment of $47.00 a month and even paid a little extra when I could. Ok, all of a sudden I get this bill with my payment jumping to $86.00 a month and late charges of $25.00 twice. So I call them to find out why. The only thing they could come up with was some check cashed in 2012 where the rate of interest changed after some certain date. And it was my fault since I didn't catch when my payment raised to $56.00, and I only paid them the $47.00 for two months in a row when they had raised my payments to the $56.00. They did remove the late charges but I had to send them $86.00 in order to stop them from tacking on more late charges. When I get this account paid off I will never borrow from Capital One again. What ever happened to honest lenders who really appreciate their customers and don't jump to rip them off because they have all the advantage over the hard working little guy?

I've been disabled with a hearing pending, hence no income for 2&1/2 years. In addition, my home burned. They harassed me by phone, mail & email while adding penalties, fees and interest increases. Finally we agreed on a settlement account, which I agreed to IF they wouldn't 1099-C me. They stated unequivocably they would honor the agreement. Today I received a 1099-C for the discharged amount despite the agreement. They were heartless & horrible, but they recorded all conversations. YOU ARE BETTER OFF NOT PAYING IF THEY WILL 1099-C YOU ANYWAY.

This is harassment from you, because I already took once credit from you and paid back faster, than I needed and now you don't trust me giving me back your money? I never seen anything like this in my life, guess, it's better to deal with legit banks, at least they know, what they are doing.

Divorce, health issues a strategic bankruptcy that has now dropped off my credit report and I am now in excellent financial condition. I did this by doing all of my credit cards and banking with Capital One exclusively. They gave me a second chance. A card with a starting credit limit of $250 was upped to $500 in a few months as promised.

Capitol One bought out Orchard Bank - never sent a card or notice. I find out 6 months later that I owe $156 for a charged off account and its on my credit report. The account information was never added online so all cards are paid up except for the Orchard Bank one. Several calls and many supervisors later still no help. Its charged off and if I want to see a bill before I pay it then I can wait 7 days for it to be mailed. Poor customer service with not help.

I filed a complaint against Capitol One with the Consumer Protection Agency concerning late fees that I was being charged. This would be for account ending in **. Capitol One case ID: ** And CFPB case number **. No matter what I do I cannot access my account via the web site. I demanded that I receive a paper statement mailed to me. I also set up auto payments through my credit union. Yet I am being charged late fees even if the payment was made before the due date. An employee of my credit union contacted Capitol One with my permission via the phone. Capitol One had sent me a statement demanding a $147.00 payment. I was present in the room. The Capitol One representative stated that even if I paid that amount right there at that time that Capitol One could not guarantee that would resolve the problem. I have cut up the card and are done with them. I hope to be able to transfer balance to a different financial agency. There is just so much crap going on here. I was told my monthly payment would be $26.00 a month. I was sending $35 and $55 payments.

I lost my card. I went back to store after I realized I lost it within minutes. I called Capital One and spoke to someone who clearly was reading word for word from a script and did not understand what she was reading as any questions I asked were not answered with any knowledge. She somehow D/C my call. When I called back and got thru again, the best they could do was replace card in 3 business days. Even tho I have been a loyal customer for over 15 years and pay all of my bill on time. It is now 3 business days later and no card. Call #3 to Capital One, was told, "Sorry, cannot see delay here. You should have tomorrow." I have applied for a card with a different company and as soon as I receive, I am canceling Capital One.

At first I spent several days trying to reach someone that could assist me with my APR issues. The customer service department acknowledged and apologized for my disappointment, and basically, I hit a brick wall with them. I'm writing this so anyone that has an issue with Capital One, especially in the APR area, will realize that there will be no equitable solution. They only suggested for me to wait for offers in the future. Since my retirement, I have little time to get my finances under control. So far, five of my other credit card companies worked with me to lower my APR, while Capital One completely blew me off. If anyone out there knows where the real Customer Care Department is, let me know.

Something told me not to open an account with Capital One and I should have listened to that nagging thought. However as I stood inside of Bank of America for 20 minutes unserviced I decided to research other options. I came upon capitalone and visited their website (capitalone.com) to open an account. They offer me 360 checking and savings...if you are familiar with shopping for banking service then you may be aware many organizations come up with nifty names for the "accounts" (e.g. Chase Total Checking).

I had a Mastercard account with Cap 1 for more than 5 years and was never late with payments. About November 2012, I paid off the balance. I did not use the card after that and about 6 months later, Cap 1 closed the account without any warning or explanation. I assume they don't want customers who pay their cards on time and don't accrue late charges and overdraft fees.

1 payment out of the entire time I have had this card was late. The 1 time late happened in 2011, and since then I get higher interest rates, lower credit scores and denied approvals; and my most infuriating point, this is going to stay on my credit report until 2018!! I have contacted Capital One several times to remove this from my credit report. They give me a run around and tell me how a credit card works and how to use it, as if I don't know this already. I then tell them I know they have the power to remove this from my credit and they play dumb and double talk about how it's out of their control.