Capital One Reviews

Terrible card. Customer service is all scripted. You have to pay your card earlier than the due date. You get late fees for paying the day of. Customer service can't help you because they are only allowed to read their script. I'm so frustrated!

I got this card to build my credit, instead, they cost my credit points because they wouldn't replace money on my card that was stolen by a criminal company. Four times over four months they allowed another company to take $25.00 out of my account. My card was MasterCard Canada; the company that kept on taking my money out was MasterCard U.S. Go figure!

Thanks for taking a small chance on me as your card holder! I wanted a card that could help me build trust and credit at the same time. Keep up the thoughtful customer service Capital One, always good to know y'all have the customer in mind when developing products. Yes! I’m loving the APP, and how easy you can personalize it, I’m all about customization!

I called Capital One for assistance in January for a charge I was disputing for a camping reservation I canceled. Never received my credit. Have called back 8 times since January 16th only to be told today they need me to submit my original charge of which they should have since I can access it online. If you needed that information, do not wait 3 months to ask me for it. Still going around and around over a charge that should be super simple to take care of. Capital One does not have your back or provide the consumer with the protection we deserve. Everyone should cancel their cards and pick another service provider that cares about their customers.

Back in September of 2016 I lost my job and became unemployed and did not receive unemployment benefits. I expressed this to Capital One being that I had a credit card with them with a 500 credit limit and they insisted that my account will be fine. I missed December & January 2017 30.00 payments and once I got a job and paid them on 1/28/17 I realized my credit score went from 680 to 450! So I called all three credit agencies and they told me there is nothing that will bring my score up to 680 besides Capital One removing those 2 missed/late payment of your credit report!

Called Capital One to request a lower interest rate as every few months they are increasing my credit limit. 7 years a customer, never a missed or late payment, paid off over 8,000 and carrying a zero balance when I called. Their offer? 20% APR for 7 months... Then back to 24.9%. They have raised my lines of credit to almost 10,000! Would charge any significant amount on a 20 - 24% rate? My credit union is offering 7.9 - 14% Thanks for the insult Capital One! I closed both credit accounts, am transferring my Roth IRA and closing my Capital One investment account and will close my Kohl's account that is also through Capital. I won't appreciate any company who doesn't appreciate my hard earned! My credit union thanks you too... They're getting the new business!

I got charge $205.92 from a merchant for professional services, but the merchant did not do what they were supposed to do on their behalf. Capital One have to credit the amount charge to my account, but never did that's why I'm posting this review. On top of that after I paid the whole balance on my account they still charge me interest! Now I call them to close my account, get Citibank cards. They don't charge annual fee. No interest for 18 months. Forget Capital One.

We traded in our car and Capital One has been giving us the runaround and not paying the car off so the dealership can get the title. The dealership has sent 2 checks and Capital One keeps returning the check and not just paying the car off.

Overall, I have had a 4 to 5 star experience holding a Capital One credit card for several years. However, I am not of the “kick ‘em when they’re down” mentality, & I find the practice offensive, whether personal or business. When my finances shifted for the worse about a year and a half ago, I tried to “maintain.” When I acknowledged the degree to which I was challenged to do so, I reluctantly decided to enter a debt management program. I am dedicated to expunging my consumer debt and have honored my contract to abstain from obtaining credit elsewhere.

Capital One has been my bank for many years. Last year I came into a lot of money with the sale of my mother’s house. The Banker named Christine ** at my branch in Staten Island kept harassing me each time I came into the bank, urging me to "Do something with my money-It is too much money and Nobody keeps savings accounts anymore-It is old-fashioned". I told her that I will be buying a home in North Carolina by the fall (2017) and that it doesn't pay to embroil myself with C.O Bank anymore as I will be leaving NY soon; I need the money for expenses and there are no CO Banks in NC. She looked up the zip code in NC and told me there was one right in the town where I was looking which turned out to be false!

After trying to work through a payment schedule supporting my daughter who lost her husband, is unemployed and the mother of four children under 12, I am too exhausted to write the details of this horrid company. I have spoken with too many representatives, all with different plans, none which help in any way. The only benefit for anyone is the company racks up interest and late fees. DO NOT DO BUSINESS with this company. I score them minus any star rating.

On 3/244/15 I called Capital One Credit Card Division at 1:15 pm as instructed by an email from them regarding a fraudulent charge. The initial customer representative wanted to speak to the primary cardholder, who is unable to speak due to health. I explained that information to Capital One representative and stated the charge was fraud and please take the steps necessary to secure my account; adjust, freeze or close - I don't care. Just protect my account. He still insisted on speaking to the primary cardholder. At that point we had been on the call for 26 minutes. I requested a supervisor; he put me on hold for 57 minutes!! When the supervisor came on the line we had the same conversation to no avail. I will close my accounts. I will not pay one cent for any fraud.

I have called Capital One multiple times, asking for status updates because I cannot access the account but even though it was flagged for security - they withdrew the $10k from my grandmother's checking account. So, the money was hostage.

I have been a customer with Capital One for almost two years and I called in reference to a credit limit increase and had the worst customer service experience I have ever had. I was told that there was no one to talk to or ask questions about anything to do with a credit limit increase. I asked to speak to the supervisor and was put on hold for about thirty seconds and the same person came back on and said they were the supervisor and gave the same name, Kay, as the first person and had the exact distinctive accent. The pronunciation of her words were exactly the same. So I was lied to twice. I don't believe for a second that a company as large as Capital One doesn't have a dept for this and then for "Kay" to come back on the line and pretend to be the supervisor. It was really obvious that it was the same person, really obvious.

I have had this credit card for over ten years and it had been good for points and travel. Recently their customer service representatives are unreasonable, uninformed, and ignorant. In one instance my username was changed without my consent and they would not help me to access the account. After two phone calls with stupid and stubborn I was so angry I have decided to cancel my longstanding account. I pay $35 a year for the pleasure of being treated by people that don't know anything about customer service. Not anymore.

I HAVE BEEN A CUSTOMER WITH CAPITAL ONE FOR OVER 2 YEARS AND I CALLED AND REQUEST A CREDIT LINE INCREASE BECAUSE MY DAD passed away and my family and I didnt have the money for burial expenses, after 2 years of on time payments they denied it. All they said was sorry they couldn't help. This is the worsest card ever and after this I will be closing my account and paying them off, please find another credit card. They are not what they appear to say they are.

Capital One took money out of my account to open my secured credit card only to come back a week after taking the money from my account to say my account was flagged as fraud. On March 13th I called to see what I needed to do to get my account activated I was told only my driver's license was needed and it would be cleared up within 72 hours. On March 17th I had not heard anything from them so I gave them a call only to be hung up on twice before getting to the 3rd person and them telling me I needed to provide more information. While the representative was on the phone I sent a copy of my utility bill, bank statement to prove proof of address and also my social security card. Once again the representative was working to get everything approved. Everything was going fine and the representative hung up after having had me on hold for an extended amount of time.

Went to redeem points to apply on card account. Told me that they can’t- they have gave me the runaround because someone stole my identity and they will not let me apply my points on remaining balance 380.00 worth of points. They will steal them any way they can.

Contacted Capital One to discuss interest charges added to statement. I contacted customer service last month to verify our payment had arrived because it had not been posted to our account on the due date. The representative confirmed receipt of check. It was not posted on the due date instead it was posted 1 day late. We were charged a late fee and interest on the previous month's average daily balance. I called again to discuss. Was informed that they apply payments the same day they received them and that no adjustments were available. So I set up auto payment for our next statement. I was nervous that the payment might not get posted on time because the only option for auto payments is on the actual due date, you cannot set the auto payment to pay early.

I used Capital One app to make a payment with interest saver. Paid over 2000 dollars and they still charge me interest for the billing. Called Capital One and I was told since it was my first time using interest saver I was charged.

I never write reviews in a negative fashion, but Capital One has complete ** policies. I have had a card with them for many years, but have not purchased anything on their card for at least 5 years. I requested balance transfers. But they seemed to never have had a promotional rate. So now, as I am in the process of trying to purchase a home, they decide to cancel my card... No advance notice. In fact, they sent the letter in March that they closed the account in February. That simple move dropped my credit score at least 30 points... And dropped my FICO score category down one level.

Waiting 52 min...credit card department to pick up the phone!!! After 52 min gave up...I am giving "0" for customer service over the phone!!! Capital One ruined Hibernia Bank in a big way! This is not only worst company to work for, but as a customer now, I feel like no one can help me either. Next week I will take all my money and will go to open accounts in smaller local bank...I am DONE. RUN AWAY from this bank as fast as you can.

This is a terrible credit card. It has a limit of $5k. That $5k limit is for both cardholders - my wife and I. That is $2.5k each. Ridiculous limit especially for booking any travel. We have asked multiple times for a slight - moderate increase. We have a great credit score and always pay our bills on time. That makes no difference, they always declined the requests. The last time they told us "You cannot ask for a increase, you have to be invited." What nonsense. We are getting rid of this card and warn everyone to stay away.

I have always made my payments on time and most of the time made two payments a month on both of my cards. I have requested twice now for a higher limit and I keep getting turned down... (reasoning is because I don't make higher payments on my cards) lol. For a valued customer. That does not miss a payment on any of my bills. I will no longer be doing business with Capital One. I have now locked both of my cards. And will pay them both off next month with my bonus check. They should not treat customers that are loyal this way. I'm going on vacation and that's why I requested a credit increase. I am very disappointed with their services and will no longer require them. I could understand if I ever missed a payment or even 2. But I've now had both of my cards for almost 4 maybe 5 years. Going forward I'll read reviews first and find the right card for me.

A few months ago, Capital One has modified the website. Before the changes were made, I could select my language (French) and each time I was opening the website it was posted in French. Now, every time I access the Capital One website, the page always appears with US and English. Even if I choose Canada and French, and I click on "Remember me", it always comes back to United States and English. I am not able to keep my internet page on Canada and French. I have already phoned Capital One, but nothing changes. The computer programmers who work for Capital One are totally incompetent. I conclude that Capital One has no respect for credit card customers.

I made a substantial early payment on my March bill and the auto pay came out on top of that. When I realized what had happened, my checking account was overdrawn and I incurred $175 of overage charges! When I asked for help in straightening out the situation they said they was nothing they could do. If you love working with big banks with no consideration for those who don't read the fine print, these jerks are the way to go.

On October 4 Capital One denied CC charges for fraud while in Fort Lauderdale. After contacting them they approved the charges. This cycle repeated itself 3x that day with each new purchase. Finally they acknowledged that the card was compromised. I decided to close my account because of poor customer service. They sent me a check for $1795 dollars for the remaining points I had accumulated. They refunded my annual fee. I was locked out of my account. Three charges appeared after the account was closed in the amount of $695. I was not notified until an email I received on December 26, 2016. Despite acknowledging this was their error and removing the late charges and interest expense for all charges associated with this late payment they reported the matter to all credit bureaus as a late payment.

I have been a Capital One customer for 5 years and have had really good experiences with them up until this last year. I suddenly find that it's extremely hard to get in touch, and when you do manage to you are spoken down to as if you were a small child getting on their nerves. I had a fraudulent charge taken out of my account and it's been a nightmare to sort out, the last representative I spoke to was so rude I put down the phone. I have savings and my wages paid in, and a credit card, but I'm going to switch to Discover. Perhaps when their customers start leaving in droves they'll improve.

I was in trouble and a lady named Violet was a bliss. She stayed on the phone with me for 2 hours almost and she is the only reason I will continue my business with this bank. Capital One bank you rock just cause of her...

Capital One deactivated our credit card without warning while we were traveling because we had not paid the previous month's bill. The only reason we did not pay the bill was because it never arrived in the mail. Prior to the missed payment, we had paid our bill off in full every month for over 10 years. So yeah, we missed one payment, but what happened to the bill? And why no heads up before deactivating the card.

I received an offer in the mail that I was pre-approved (not pre-qualified) for QuicksilverOne with no interest the first 8 months. It was a classic, illegal bait and switch. I received the card, however they did not give me the promised 8 months with no interest, but conveniently failed to inform me of such. They further perpetuated the scam by not charging me interest the first month, making me think they were true to their word. So imagine my shock when there was interest charged on my second billing statement!

They strive to make more money off interest because you can not pay on time unless you do online banking. I have a paid bookkeeper to pay my bill and I now had to pay more interest than the $524 I got back in "cash back" last year.

Two years ago I disputed transactions made on my account. My dispute was denied. When I called in to see why a representative told me that it should have been approved due to my account being a part of the password reset 2016 she told me to tell the security agent she was transferring me to. Well that explained why I had to reset my password for 3 months straight and I was never informed ahead of time. Also if you plan to overdraw your account and you intentionally do 5 small transactions and then a week later do one large transaction Capital One will process your transactions out of order to charge you 4 overdraft fees instead of one. Or will deny one large transaction but will allow you to make 4 small ones.

Capital One spends millions of dollars to lure customers in and then doesn't take care of them. United Airlines put on 2 charges of $700.00 each on my card that I did not know about, I was not informed of the charges and I did not authorize them. I charge over $100,000 per year on my Capital One card and I have a $50,000 credit line on the card and I verified that I had not authorized the charge and Capital One still charged me. I disputed it and gave Capital One all of the information and they still let United Airlines charged me. I have now cut up my business and personal cards with Capital One and I am now switching to a Chase card.

Had a Capital One Credit card for many years. Always have some balance in the card. I used it a lot! I paid off my balance. Changed my password and moved one time. They (Capital One credit card service) put a restriction on my card without notifying me of any restriction. How embarrassing if I was going to use the card in public and would be declined. I called customer service and always get a strong accents rep. That individual did nothing for me so asked for a supervisor. Another very strong accent. Why? Anyway, they tell me that my card was restricted because I updated my address and changed my password and I needed to go to a bank to verify my identity. If not send copies of license, social security card, utility bill, etc.

Miserable customer service. Tried to get online banking to set up business online today. Their instructions on their site very clearly say "or put in account number"...didn't work. Tried calling. 3 hours on hold various numbers... called my local branch who directed me to the same damn number. NOT THEIR DEPT. 3 hours later I decided to try and activate the new debit card they gave me. Called the number automated voice says PIN number and account don't match... transferred to person... explain. She tells me the online banking "oh, it says put account number but that won't work, you have to use social security number."

This week my accounts at Capital One were close with no prior warning or reason. I called customer service and they couldn't give me any clarification. I assume the reason was due to inactivity on the accounts, but if that is the case I would have appreciated a warning. I had been a customer about 7 years and I had a sizeable amount in the savings account. I would never recommend this bank to anyone. Horrible practice and clueless customer service.

Capital One froze my deposit accounts for over 2 months without even informing me citing suspicious activity. While I respect them taking due diligence to prevent fraud, I would expect them to inform the customer before making that stupid decision. In addition, once they verified the suspicious transaction, I was told my account would be closed and I would be getting my money via check. Obviously, I suspect racial profiling and feel bad that at this age and time big organisations like Capital One would act in such disgusting manner. I sure would never do business with them anymore. Potential customers RUN AWAY from this bank. They are a mess. Note: My accounts were frozen for just a $2000 Walmart to Walmart transfer I made to my friend in PA.

Last Thursday I applied for a credit card via the recommendation of Credit Karma. WORST CUSTOMER SERVICE EXPERIENCE EVER. Thursday after applying online I received a link to take a photo of my ID. It kept saying it didn't recognize it. I gave up. Friday, I got a call from a rep and I explained what happened on Thursday. He sent another link. Tried it with him several times. Said he received it and would try to manually upload but wasn't able to. Before advising me on other options he says, "I'll deny this application due to lack of documentation". Here's the kicker, he then tells me I can reapply and to fax my documents. WTF!!!

There are many credit cards, but Capital One is known for no foreign transaction fee and that's why we got the card in the first place, to use it on our trips. Called the company before the trip abroad, were assured that it would be ok because the card had a chip. Get to the foreign country and the card gets declined every time. So we call Capital One and they tell us they can't unblock the card because they are protecting us. Seriously!

Hello my name is Alfreda **. I've been with Capital One since November of 2011. I have always made my payments on time and I'm in good standing with Capital One. My credit limit is $1,500. It took seven years to get there. In 2017 Capital One offered me $35,000 to buy a car from Kia or Hyundai. These were my only choices so I passed. I didn't think Capital One should choose my car. In March of 2018 I want to go to Ashley furniture store and buy me a bedroom set. I saved up $4,000 and I was $3,000 short so I ask Capital One for increase on my Capital One credit card. They told me No. Come November of 2018 I will be with Capital One for 8 years and I have never asked them for increased in all this time. So much for loyalty.

Being proactive, I called Capital One today to notify their company of a family holiday to CUBA. Their response is it cannot be used. The response is because the parent company is a US Company and we are unable to utilize our credit card. Their advice is to take out extra cash. Ironically. I called my emergency credit card company who is also US based notified me that the card can be used. The reason is because they operate in Canada. They cannot restrict access to CUBA and US Government does not govern travel for Canadians. Anyways, just another hurdle. So for anyone planning a trip to CUBA go to another credit card company.

They give you credit, and you use it and before you even make to your first statement you are restricted because of fraud that isn't. In the first week anything I tried to purchase with this card was declined for fraud, had to call like 3 or 4 different times to unblock - You can trust or rely on its availability, thank God was not on a vacation away from home. Lastly I had car repaired and was going to pay with my card, it was declined. The charge was well below not even a third - so in other words I had plenty of available credit - so I call again this time they say it's restricted. I have to send in ID and bill of bank statement and social security card copy front and back.

We have been Capital One customers for over ten years. We have both personal and business accounts. We always keep very positive balances in all accounts. We had personal and Spark Business credit cards. We always paid balance due monthly. Recently applied for Savor Card. Sent me card with $10,000 limit. Capital One put restriction on new card, for proof of my ID. I sent driver's license, SS card and passport. They indicated 72 hour waiting period to remove restriction.

Today is March 2nd, 2018. I have been trying to log in all day to my account to make a payment on this credit card and have been getting messages that they are "down". I'm not sure how long this company has been "down", but not having the ability to make my payment for the last 10 hours is not acceptable. I am wondering just how much money the company makes in one day on interest off all the customers that were not able to make their payment due to their issue.

They also have moved on from their own, fully functioning P2P system and started using Zelle. Because Zelle would like to send verification codes it will have a meltdown if you are using a family plan and your billing addresses don't match making it completely impossible for me to use the system. I used to tell everyone how amazing they were but at this point I can't wait to leave them.

After getting my credit score up through careful use of my credit cards and loans, I asked for an increase to the paltry $700 limit they allowed me as a teen. I understand why the limit was low back then, but I'm 30 now and my credit score is usually between 780 and 820. They denied my request to increase the limit. My other cards allow me limits between 5k and 10k and I keep the balance on them below 10% to optimize my credit score but I couldn't even buy groceries with a limit of only $70 to keep it under 10% usage. So I had planned on waiting a few months and asking again when my score was better, but they closed my account this month with no warning.

Whatever you do DON'T get a Capital One credit card!!! If you have any issues with fraud, they will not protect you, but will protect the company that took your money! Also, their computerized answering system is the most frustrating experience you will have. It is AWFUL. They do everything they can to avoid talking with their customers. Stay far, far away from Capital One. They are the worst financial company I have ever had the displeasure to deal with.

If I could give Capital One 0 stars, I would. They have no regard for their customers whatsoever or care about customer satisfaction or retention. Called Capital One today to ask if they could reverse a $25 late fee as a courtesy since my husband and I were on vacation. My husband and I have 5 Capital One credit cards between us and are always on time with our payments, however, the agent refused to honor my request and so did her supervisor who informed me they no longer have the ability to do that. As a result I closed out my accounts with them, screw them! American Express is #1!!!!

Thank you Capital One for your effort in understanding that different people have different situations. Capital One took a chance with me despite my credit history when no other company would. You have waited with patience and consideration as my circumstances changed and I couldn't fulfill my part of our arrangement. I will, I would, and I do, recommend People to talk with an agent at Capital One for All your financial needs, before you go anywhere else. This Bank really gets it. I haven't seen this kind of service since I was a young girl, watching my Mother open lines of credit in stores, wow. I wish you all the success you offer to your clients, Capital One, you are Standing Tall in my eyes. Thank you.

I am not allowed to view my transactions online because I did not set up our Visa account. Only the one who set up the account may go online for their Visa account. My name is on the card; I am an authorized user; I pay the bills and earn the money. I went to the Chat forum and was told to get my husband, the account holder. This is from the stone age! I will definitely terminate my Visa with Capital One since I cannot view my bill!!! Ridiculous.

I am not at liberty to provide any details, but I can attest vehemently to the fact that Capital One has the most archaic, poorly-conceived, stupidity-driven set of processes in the collective History of the World, for any organization of any type. They have taken collective, aggressive ignorance to an art form. ATT and Comcast can only dream of being this corporately inept. If you have any Capital One services, cancel them. If anyone you know has Capital One services, tell them to cancel them.

I have a cc with a credit limit of $3.000.00 and I made a payment of $1998.38 on time and the money was electronically withdrawn from my account on the due date. I've been on the phone with my bank which gave me a confirmation number that I gave Nick ** (specialist manager) through an online chat setup. Nick claims there is no evidence of the payment that I made on their website and they took from my bank. They added a late fee and keep sending me notices to make payment. I paid on time. They took my money on the due date. Their website states that all payments made on their site will be posted same day or the next except Sundays. I had one manager lie to me about that. He told me payments take 3-5 days to post. I called him on his lie. Is the culture at Capital One customer service? Lie if you have to? This was a manager!

Never got the card and returning my funds will take almost 2 months! I won't make rent this month, thanks Capital One. I sent $300 security funds to Capital One on February 3. On the same day I received an email stating that an identity verification letter would be sent to me in 7-10 business days. I never received this letter because they somehow had a completely wrong address for me. I contacted CS on FB msg on the 17th and was told to allow up to 14 business days for mailing. On the 25th I'd had enough and called to cancel the account and get my $300 back.

Beware you fully understand what you're getting into. You will be billed immediately for a $75 annual fee. You will have a very hard time getting anyone on the phone to answer any questions you have about your account. You will not be able to direct pay from your bank account - the free payment option. It will cost you $9.95 per payment to pay using an ATM. You will pay this for each payment. By the time you figure this out you'll have paid late and be charged $35 for late payment fee.

I would not recommend anyone to get a Capital One credit card. I have had illegal activity going on with my 2 credit card accounts with this bank. They, initially remove the charges, but they always find a reason to put them back on. For the last 12 months a company named TMA has been billing me .99 cents. Okay, that's not much money but sometimes they charge me 5-6 times a day. There are well over $150.00 worth of charges that are removed from my account and then put back on. I told them to call the company. When you look the company up a black screen comes up and states "this site contains spyware." Capital One doesn't care. Who is on the fraud investigators team? What a joke... They don't understand English and I am starting to believe that they take part in this fraudulent activity!!

Capital One is the worst company ever! I paid my account in full, then combined all accounts to one. I didn't use the card so I'd have it for my daughter's wedding. I went onto my account to set the travel notification and was told it was restricted. I talked to customer service who told me to call, pay the $20 fee assessed to account a month after combining accounts (that I was unaware of), and they'd reinstate the account. I called, spoke to agent who basically told me I was an idiot; spoke to another agent who said I'd have to talk to supervisor and after 20 minutes on hold was disconnected. Called again, supervisor said, "Too bad for you. We refuse to reinstate the account." I've been with this company for over 15 years and this is how I'm treated! I stated I NEVER received a certified letter indicating they were closing account (federal law), they said they sent an email (not an acceptable form of communication in regards to closing a financial account)!

Capital One has no regard for its customers. They made an offer to me to suspend my payments for three months due to the 2017 hurricanes. During those three months, they reported missed payments to the credit bureau. I received no calls and absolutely no notifications that they were making these reports. Again, they made this offer to me! I would never have signed up for this "program" if I'd known how dubious and fraudulent Capital One truly is. I would NEVER recommend opening a credit account with Capital One. There are much better credit card companies that actually care about their customers and who will actually provide competent customer service.

Capital One has horrible customer service, I called today to dispute an interest charge on an account that I had paid off, I was on the phone for 25 minutes and the customer service rep kept saying, "Hold on. I need to speak to my supervisor," He finally gets back on the phone and said his supervisor wants to do a conference call, he said to just explain that I paid my card off in full and would like the $50.50 interest charge removed.

They sent me a "pre-approved" notice in the mail. Went to their website to apply, "CONGRATULATIONS! YOU'RE APPROVED!" I got my MasterCard in the mail, called to activate it and BAM! "We need a copy of your Driver's License." "We also need a copy of your Social Security card." "We'll also be needing a copy of a recent utility bill in your name." I jumped thru their hoops, then... "we need you to send us MORE information before we can approve you." (Funny, I thought this was "pre-approved"!) After wasting HOURS of my cell phone minutes dealing with these idiots, I told them to LOSE MY PHONE NUMBER and remove me from your mailing lists.

Capital One is the worst Credit Card company on the market! I made a very large payment to pay off my credit card balance, when Capital One sent out the new statements instead of a zero balance that I was expecting, I get a statement with an interest charge, even though I paid off the account 2 weeks prior. I called and asked if the interest could be written off since I had paid off the card, never missed a payment, always paid more than the amount due and had been a customer for 4 years. I spoke with a supervisor and she said that there was nothing they could do. I owed the interest. I immediately told her to close my account and I would never do business with them again. Beware of this company. They will find any way they can to get extra money from you. When you get their continuous junk mail offers throw them away and don't bother getting yourself involved with Capital One. You will regret the experience!!!

Capital One Representatives are always polite and helpful. My issue is with unfair business practices that enable Capital One to reap unethical profits. I live on West Coast and payments must be made by 8 pm EST. Reps are available by phone to take payments after their 8 pm cutoff so makes no fair sense that payments can't be made up until end of day my time zone. Deserves class-action lawsuit.

The new Capital One website simply doesn't work. It will only let me log in occasionally - otherwise it's "sorry, something went wrong". It's been this way for months. What's the point of a credit card company that can't run a website?

I have had a Capital One card for years. My 360 account links to it. I noticed an issue. Called Capital One. They said, “the problem is you have not activated your new card.” I said, “I did not receive one.” They said, “we will mail you a new one.” The evening it arrived I went to activate it and it said closed. I called Capital One. They said, “we see the record of the call but your card closed the evening it was sent. We can not reopen it per our new system.” I have worked for a financial institution for years and know there is a workaround if they wanted to accommodate me as a customer. They don’t want to. Hence the rating of one star. This is an older card and for credit reasons I would prefer it not be closed. The company is not willing to work with you. I can see if I had been a previously poor customer, but I guess I did not make them enough money in fees or interest for me to remain a customer.

I placed an order online and thought everything was ok, so when two weeks went by I called the merchant I bought the product from, they informed me that it was canceled due to credit card rejection. So I call Capital One and they say, "you haven't activated your card." I say, "I just used it on Amazon and it went through, my card has an expiration of 3/21." This Indian guy just kept saying, "You need to activate!" So I ask for a supervisor and she's a **, I said, "Cancel the account," she said, "Why?" "Because you denied a charge and never notified me." By the way I have a credit line of 10 thousand with a zero balance. They suck!

I set my card up to make the minimum payment of $35.00. Apparently my minimum payment changes at their discretion. They tried to go through a long drawn explanation as to why my payment but the bottom line is for no apparent reason my payment changed from 35 to 36.00. They slapped a $40.00 late fee for being $1.00 off on for the first month which led to fees totaling 160 00 because the first fee drove the payment up even more. When I called them they refused to do anything. What really bothers me if there is no reason the minimum payment went up my current balance is only $50.00 less then the balance that drove my minimum payment up and the payment is 35.00. Previous balances with 35.00 payment were higher than the balance that triggered the fee. They buried something in the terms and conditions that allows them to be you.

Capital One has decided to stop the ING rate renewal program. They supposedly sent out letters last January. I never received that letter. They are now screwing me on my mortgage. Turn and run from Capital One. They are making up the new rates in house. They are not going off the LIBOR like ING bank did. Turn and run from these criminals on all accounts.

Stay far away... I did a balance transfer from Capital One. They sent the check for the transfer to the wrong address and after 2 months telling me there is nothing else they can do - Really? I've been a customer for years and there's nothing else you can do? Meanwhile, I am out quite a bit of money. Don't use them for anything - especially a balance transfer (that they still keep sending me offers for as well!)

I was put on hold 6 times at 15 minute intervals calling conclusively today, 1 right after the other??? I don't know how the people got to speak to managers??? The place has had my security deposit since January 29th 2018 and I've had like 11 pieces of mail from them but still no card??? No one seems to know what's up as I've been told 3 different dates my card has been mailed to me but it has yet to be mailed and I just want to know why???

I am in an experience where Capital One put my payments into someone else's acct. They then restricted my acct due to non-payment. When the situation was fixed (months and months later) the acct was never unrestricted. I had to get my credit fixed as well due to this mistake made on Capital One's end (which never really got restored where it was due to Capital One's mistake). I was told they would unrestrict my acct, but even after speaking with someone today, they will not unrestrict it due to the nonpayment that was on the acct (which was their mistake). So, now the money in the rewards bank... I cannot get to because of the restriction. I had a big issue years ago with Capital One again, and aside from my better judgment, I gave the company another chance. Bad decision. All they do is take your money, ruin your credit, and tell you there is nothing that can be done.

Every time I try to use the card it was refused! Saying fraudulent charges. Sent me through a 3-hour long process to prove who I was and then still refused transaction! Customer services are the worst I have ever experienced! Please understand people! Stay away from Capital One!!

Not one person has been able to answer any of my questions. I have set up the payment catch up plan several times and paid extra on top of my monthly payments several times, yet somehow I am never actually caught up and no one can tell me why. They transferred me to someone in an "executive office" but still she was unable to actually help or tell me what exactly was going on with my account. The staff is lazy and no one wants to actually solve anything. If I owe money I am more than happy to pay it, but because I just keep paying more and continue to be behind without someone being able to explain why I will most certainly be taking my business elsewhere, and seeking legal counsel from a lawyer.

DO NOT USE CAPITAL ONE! They Flipping Suck!! I am beyond infuriated with my first experience trying to redeem my reward points. I tried last night to book a trip with my available rewards and kept getting an error message to call their support number. I decided to circle back around this morning thinking the system would be fine.

Closed my account with no explanation and spoke to me very rudely when I rang to ask why. Used them for over 2 years paid on time stayed within my limit and this is how I get treated? Customer services and complaints team were absolutely awful. Woman basically said, "I’m getting bored of repeating myself. The account is closed and I don’t have to explain why." Considering this is now going to have a huge impact on my credit score which I have worked so hard to get good to get a Mortgage. I have emailed their CEO but would advise anyone to not take a credit card with this company.

Beware Capital One’s card customer service and fine print. They are happier to lose a customer than to try to make a customer happy. Also be careful to note that payments after a certain time on your due date (I won’t say the time here in case it were to change or be different for someone potentially reading this post) are still considered late and assessed a late fee. So having a mobile app to pay 24/7 really isn’t that helpful when you go to pay the evening of your due date and find that your payment is already late. So much for 24/7 convenience. If you have to call customer service, they aren’t going to try to keep you either. They’ll be happy to close your account and move on to the next person who doesn’t mind being treated poorly. Needless to say my card is closed now. Save your time and get a card from someone who lets you pay on your due date and values you as a customer. It’s not Capital One.

I have been with Capital One bank for 4 years and would like them to know how much I appreciate their service. Each and every time I call I get the same customer service on my good and bad days! Most of the time you have a verity of customer service actions. Capital One makes sure that anything you need and I mean anything from Balance questions, concern transactions, credit update, credit increases they will help you 24/7. There has never been a time I couldn’t call. They don’t charge you extra fees to pay your bill. They just simply want to help you and if they can’t they surely will get you to someone that will. Thanks Capital One Credit card!

I had logged on to my account just the other day and had noticed a charge of 2.63. I then looked at it further to discover it was an interest charge??? Are you really kidding me at this point. I have spent an exorbitant amount of money with these people and only to be charged exorbitant amount of charge of interest during the months?? This really is a hard slap to the face. Yes, obviously I can pay this insulting charge but it’s the principle behind it.

How many others were promised a flat 9% rate after the 12 month introductory period. I received a call from a listed Capital One number that had all my personal account information and told me after I paid the account down to a zero balance at 11 months, that if I kept the account open they would set it at 9%. So the next month I took my daughter to Disney World for vacation to only find out after getting the next bill in the mail it wasn't 9% but 29%.

On December 28, 2017, I submitted a payment for $923.09. This was the total amount due at that time. On December 29 2017, I had surgery on the cervical portion of my spine. On January 3, 2018, I received notice from Capital One that my payment had been returned. When asked why, they stated that I input the checking account number wrong and that is why my bank refused it. I have spent over seven hours of my time in the last five weeks, which included two trips to my bank, a conference call while at the bank and multiple calls to Capital One from home.

I originally wrote a review back on 12/9/17 stating I disputed a charge that was inaccurately described on eBay. I opened up a claim on both eBay and Capital One which eBay made a judgment in my favor but explained that nothing could be done about shipment charges due to the fact that capital one was in the process disputing it with PayPal. I called and asked for assistance from capital one and was told to keep the merchandise on hand even though eBay said I could return it because they were disputing it, well time passed and capital one reapplied the charges and basically said, "Oh well we didn’t tell you that" even after I supplied all the documentation that judgment from eBay was in my favor.

If you're looking for help to re-establish your credit, I wouldn't suggest this company. This company has been a nightmare for me. I've seen some unorganized, contrary people before, but these people take the cake. I paid my accounts on time every single time and suddenly I get locked out of my accounts and can't get back in. Not even to make a payment. Due to what they say was a "fraud alert". I have no idea what happened but I'm glad I paid both of my accounts off. I'm just saying. As long as it was working it was fine but when this happens, you can pretty much kiss your card goodbye because no matter whether you're paying on it or not, once they do this, there seems to be no way out. Too many foreigners to talk to. Too many people that don't seem to know what they're doing.

I called Customer Service. I spoke with rep name BEN. He was very rude, I ask him why they are increasing my minimum payment every month, they should leave it in one flat rate at least for few month. No increasing every month. Then Ben came rudely way telling me that I should not use my credit card. If I cannot make my minimum payment. I also ask him that if I make the same payment I did last month, his answer was "you will receive a late fee for not making your minimum payment".

I have been a Capital One customer for over 20 years. Recently they changed their website making it impossible to get in to make a payment. I tried several times and have been locked out 4 months in a row. I have never missed a payment in 20 years. But due to the new website I was unable to make a payment in December. I tried to call customer service and was put on hold forever. Finally I had to hang up for work and decided to try again later. NO ONE ever contacted me regarding this payment until the next month. Only by this time they dinged my credit report.

Just plastic not a real credit card, so cannot be activated, with unnatural reason done not by other credit card, I think just to lying to the user only. It was asked to driver licensed uploads on the link they sent, but when I uploaded 40 minutes did not look finished or stak. Then I reduced 50% also the same result. Last I reduced to only 25% about 17 kb also not clear finished or not. 7 days I call him he say the document not clear. There I am angry, I better throw this card.

The only reason I am not giving this a one star review is because of Tristy in the Military Hotline Dept. She was so amazing and was on the phone with us for over 20 minutes trying to help my husband out. She even had our back when other representatives (Duncan from Auto Financing... yeah, we're onto you buddy) were completely rude and made us feel like they couldn't be bothered with us. We were transferred over 10 times, back and forth between the same departments. Tristy thanked my husband several times for his service to our country and was persistent in getting us the proper help. Tristy, you're amazing and deserve a raise! Thank you for treating us like humans beings.

Capital One Bank is the biggest bunch of crooks I've ever encountered. One of their ATMs took our cash and did not deposit it back on December 4th. I immediately called and started a claim while still standing in front of the ATM. Gave them all detailed information... they denied our claim saying they did not detect a problem with the ATM. I told them they needed to reopen the claim because it's easy to verify seeing as the ATM has a camera and so does the Target the ATM was located at.

Their customer service is the absolute worst. I called because I paid my balance in full however to my surprise they said I had a remaining balance - interest for the previous balance that I paid in full. The agent told me there were "no new waivers" that she could offer me and that I was responsible for paying the interest. Spoke to her "supervisor" whom gave me the same song and dance. Neither of which could speak proper English or sounded intelligent in any way - they must have been reading from the screen. I received a customer service survey that when I clicked on was "expired". Shady company that preys on their customers, what a shame.

Being a young adult, not a lot of Credit Card companies would accept me. Young naive me sent one in for Capital One, I was accepted. Me and my father read through everything before opening my account, everything looked fine, the interest didn't look that bad. I of course used it for books and stuff for college, buy now, pay later when I had the money. Fast forward a year and here I am, now in shock as I finally do the calculations. I have to pay a certain min amount each month, a little more if I feel like I'm doing good that month, and behold as I slowly come to realize for every min amount I put in, their interest is so high, it's about half of that min payment that is put back on once the interest hits every month. Yes, EVERY MONTH THEY CHARGE ME HALF OF WHAT I PUT IN.

When you send over six thousand dollars they should not keep telling you that you owe them 98 dollars! These people are not worth it. Go to another credit card company and stay away from Capital One. I have this idiot computer message saying I owe them money and need to contact them. I paid these losers in full and they are still charging me for nothing. There are much better credit card companies out there - use them instead of Capital One and their 98 dollars!

Capital One Bank has one of the worst customer services. They keep you on hold over 45 minutes each time I call. I have to explain the nature of my problem each time with the different agent. They do not want me to speak to the same person. They don't follow up or inform you the status of their investigation. I had to go to the office of the President before anything was done. Even then, I had to do my investigation to walk them through the process. They never apologized for their mishandling nor accommodate me for their mistake. Truly disappointed and disgusted with the culture of this company from top down.

Reading some of the other reviews it seems to be a pattern of Capital One for charging high interest, not wanting to lower an interest rate, ever since I opened my account, I paid on time, paid more than the minimum due and never went over the set credit limit but those money hungry greedy and rude snobbish representatives this includes supervisors and executive relations team are not willing to work with ANY of their CUSTOMERS as my account is now CLOSED but carries a balance I am simply striving to pay it down.

Although this is a new account I have paid all my charges in full before my statement and Capital One still holds my payments for 5 business days. Although they get my money by the next day. And when you call I feel I should not have to do a bank verifying call when they have gotten my money. MY banking and what's on my account is my business as long as I have not had one payment to be reversed. I'm only using this card to build my credit and once that's done I plan to close my account in good standing. No card should be able to hold your money when they take it so freely.

My experience with Capital One was horrible. Their dispute department is a joke. I had a mechanic shop rip me off and Capital One did not stand behind me. Discover card and Barclays both ruled in my favor. Capital One come up with a lame excuse for the simple fact they knew they had a better chance of getting the money from me than the corrupt that rip me off.

If I could give them zero I would. I've been doing good building my credit and I feel like I made a major mistake getting this card. I paid my bill my early checked the account to make sure everything was paid. It said paid off. 0 balance. I check my bank. No withdrawals so I'm like what the heck. I call. Can't speak to anyone but it still says paid so I'm thinking maybe they take a long time to deduct the cash. Long story short they later posted overdue balance and return check. My bank said no payment was never issued from them. I'm hit with a late fee on my first bill and I can't talk to anyone. I enter in another payment and they're doing the same thing. I'm so hurt right now.

Your total balance due on your account is paid off in full by due date, but you still get another interest bill. That is wrong, something I have never had on any of my credit card bills, ever! Capital One manager I spoke with will not accommodate addressing my concern at all. Be careful in accepting and using their credit cards. This was a promotional transfer balance that was paid-off by the due date. I am filing a complaint with the BBB. They do not address this type of concern by anyone that works for Capital One.

I had a zero balance for 30 days. I had a charge for $21.11 on the 2nd of January, I paid it off on the 11th of January which is 4 days before my due date. I was charged over 13.00 in interest. Now I have to go back and make sure I wasn’t overcharged interest the past 18 years I have had this account. I have also tried getting my interest rate lowered with them and have been in good standing for several years. They will not budge, they don’t have a problem increasing my credit limit regularly, but won’t lower interest or even cancel the annual fee. After over 18 years, I guess I have to rethink my options.

I use the app to make my payments. It does not allow me to make my payment on the 1st, the 2nd or the 3rd. Only on the due date of the 4th. I pick this and it gets paid on the 4th every month. Capital One then charges me a $35 late fee every month for over a year for making my payments on time! I feel this is criminal, but when I called them there is nothing they can do! Sounds like a Class Action?

I called Capital One today again! (This would be the 3rd Year I have called.) Issue: I've had the Capital One Platinum Card for years, with an annual fee at inception and wanted to know if this annual fee could now be taken off my account! Because for the past 2 years I noticed that the card no longer has an annual fee and I am in good standing to have my credit balance increased. Why is it that I am not in good standing when it comes to removing the annual fee? I spoke to a supervisor today, bc I was tired of hearing so many different explanations from other reps.

Capital One has an account that is not mine. For the specifics #** for $500. I am citizen of the United States of America, would like to make a complaint against Capital One for account & amount above. They seem not care about consumers' rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).

Limited use of English by reps, background noise on reps' phones, website difficulties resulting in late payments, fees not refunded as promised by rep, payments not processed accurately, inaccurate information from reps, inaccurate information on website, use of script obvious and irrelevant resulting in prolonged time on phone.

Well I just got the account, paid deposit $49 $200 credit, 30 days to get card was told 7 -10, no problem. I got the card but could not use the card anywhere in my city. The card has a chip which means you have to have a pin, I contacted Cap One who said they didnt send one as courtesy, I explained they should have sent me one with the card to save time, the rep explained I could generate one on their site to use the card right now!! I spent hours trying to do this just for the site to tell me to call back in the end.

I've had Capital One credit card for over 10 years and for a while I was in school with a part time job and couldn't make the payments. They decided to restrict my account and I thought it was temporary. By this time I graduated, got a better paying job and started making bi weekly to monthly higher payments to lower my debt and make the account good standing again. I call customer service after six months of payment and ask when "will they unrestricted my account?", I was told "I'm not sure but soon or when higher ups decide to make you an offer."

I had placed an order for merchandise and notice that my card was charged then it disappeared. I called the merchant and they could not find my order through email, name, phone number or item number. I placed another order. After I received my first order and that was charged on my account another charged showed up. I disputed it as I should have. Wrote a letter explaining what happen. They removed the charge again. They just put the charge back on b/c UPS said they delivered it to my front door... no signature. So now I am charged $500 and Capital One Master Card said "Oh well." You have to prove you didn't receive it and even then they can't do anything. Four months later I am suppose to contact the police to find my box. How do you prove a negative??? Sorry... I have extremely disappointing and will never use Master Card or Capital One again. I've decided to write a review on every site I can find.

For every since I had my auto loan I have been getting my payments either delayed or flat out rejected/refused even when I had the money for the payments. I had myself set up since last October of 2017 For automatic payments and now I'm finding out that that I am in default on my loan. Even worse when I called them. They yelled at me for being a ** male and called me all kinds of derogatory things and hung up on me. I'm going to lose my much-needed car for sure.

My boyfriend and I recently traveled to Italy and had an issue with a $150 charge from a taxi service we never took in September 2017. Fast forward to Jan 2018 and we are still no closer to resolving the issue than we were when it arose. Back in Sept, my boyfriend called Capital One and disputed the fake charge as soon as he noticed it back in the States. We ended up getting a letter back from Capital One saying they sided with the merchant because we didn't send any documentation! How could we send documents over the phone?? So we called again and they suggested appealing the decision with documents over email.

For the eighth time a payment has been declined! Extremely embarrassing when standing in a line at the checkout. Each time I phone Capital One to find out what is wrong with my card... (I pay full amount owing each month, NEVER carry a balance, always pay on time) I'm told that it's been used "FRAUDULENTLY"!!! Like Fry's, CVS, my insurance company, my internet/cable supplier, my home security company, - regular monthly payments, Safeway, etc. would be considered questionable places of business! NO ONE that I'm able to contact has been the least bit helpful. I'm always told that the 'warning' would be removed, but it hasn't! I'm completely fed up with Capital One Costco!

Capital One Bank for credit cards is very disgusting, terrible and horrible service! Do not Bank with them or get a card from them. They are very inconsiderate people & they do not waive any late fees for no reason. My credit card bill was due on the 8th of every month and they would not consider the fact that I didn't pay it on Eastern Time like they said it was due. Well I explained to them that I paid on the 8th at 7:50pm my time. They still wouldn't waive my late fee and they upcharged my minimum up to $35 from $25 These people don't play. YOU MIGHT WANT TO SWITCH TO REGIONS OR CHASE BANK. THEY ARE AWESOME!!! I switched over and had no issues with them.

I have three cards with Capital One. Never been late once then one day they closed my accounts for no reason. No explanation. Nothing. I’m beyond frustrated and I’ll never go through this company again.

I have been with Capital One for about 10 years now, over the years I have tried to get them to lower my interest rate which is very high, probably the highest rate they give. I have excellent credit, pay my bill on time, and don't deserve to pay such a high rate. If anything you would think that I would not have a yearly fee considering how long I have been with the company and the interest rate that they continue to screw me over with. I recently asked for them to remove the yearly fee and was told that because they waived it last year that would not be possible. Really, they aren't taking enough of my money with their bloated interest charges, give me a break. I am so done with them and will be taking steps to leave them forever and telling every person I come across not to do business with these foreign thieves.

I attempted to pay my bill while away on vacation. I was told I needed to do a 2-step verification process that I was unable to do without my phone that was not with me. As a result I was unable to log in and pay my bill. Immediately upon returning home a few days later I attempted to login and was able to do so after several frustrating attempts. I contacted customer service as my bill was paid a few DAYS late and thus had incurred late fees. I was told that I was lying and had not attempted to access my account and that I was responsible for the late fee. Apparently now they can prevent you from logging in and then can charge you a late fee and interest charges? Absolutely ridiculous.

I’m stuck with a negative balance due to a “glitch” wherein debits have been posted twice. Their little giggles about the situation, paired with their “I know, I know. It’s bad.” is ridiculous and unacceptable. They should NOT leave people with no access to funds because they screwed up.

I have been a long time customer of Capital One and paid my card off in full on December 5, 2017 and now I see an interest fee of 79.14. I requested a courtesy one time credit (which I have NEVER requested before) and they said that they can't. I asked for a reason and they stated that no one would be able to provide anything specific as there are several different factors that go into play. Seriously? I asked are you willing to lose a long time consumer not to help? They then provided me with instructions on how to go about closing my account online. What kind of customer service is this? There are A LOT of reviews from people having this same issue. Why is no one doing anything about this? My account is now cancelled with Capital One and I certainly hope there are a lot more that will stand up.

I opened a secured account with Capital One in March of 2017. I made the deposit over the phone using my ach. The transaction was successful. I made my first payment also using the same ach account. The payment was successful processed but was returned because Capital One entered the wrong ach transaction. This happened on my account over and over again. I would always have to call Capital One and have a Supervisor handle the payment process. When I first contacted Capital One to open the account, I was told you would receive a increased credit limit after making 5 payments on time. My first payment was made on time but returned due to the payment being applied wrong. I was told by a Supervisor in April that since Capital One Process the payment wrong, it would not affect the status on my account.

Had a new card sent in May. Good through 2022 as I was going to start using it as my primary on 1/1/18. Just called and found out they permanently closed the account in September! The excuse... Had been too long since the last transaction, yet they issued a new card with the understanding it was going to be my primary card.

I rarely write reviews but Capital One has me so frustrated I am writing. I am serving as an administrator for a small estate and have been trying unsuccessfully to get the account details for the estate and have hit nothing but frustration, long phone hold times, broken promises on call-backs and changing requirements. I have carefully followed all rules for Estate execution, have appropriate documentation and have successfully resolved all other accounts with other banks. Capital One has been unique in their obstruction and difficulty. I will never bank with them and urge others not to either.

Capital One deserves NO STARS!!! Now that I am retired and on a fixed income, I contacted Capital One about lowering my interest rate which is close to 25%. I contacted them one year ago and the answer was NO. I wrote to them on Facebook several months ago and they were unwilling to reduce my rate. I applied for one of their lower interest rate cards and was declined. This is the only credit card I own. They are total bastards. I absolutely DESPISE this banking organization. I have never been late for ONE payment. I have a very good credit score. So, screw them. They are not going to win this one. My husband will pull the money from his 401K and this will be paid off. I cannot wait to close this account.

Don't get this card unless you want every vendor in your city to think you don't pay your bills, or if you actually need to rely on a card. We've been card members for over a decade and they continue to randomly deny charges and/or put a hold on our card, for things we've purchased before, for amounts that are well within our limits and spending patterns. When we call them, they tell us "Just call before you make big purchases." Here's a shocker - we don't want to call you every time we buy something. And, on an account where we regularly rack up thousands of dollars a month in purchases, a $300 appliance is not a "big purchase". They've also screwed up our account to the point where we now need "extra security measures" every time we call them.

I opened a Capital One bank account for a few different reasons. They just built and opened a new branch near me and there were a few other branches not far from my residence. I already had a credit card and wanted to maximize earning points towards travel. They were offering a one year free safety deposit box. Things were okay for a while. Then they decided to start closing the branches around me. The customer service reps don't know bank policy. You call up three different times with the same issue and you get three different answers. Finally the third time the issue gets resolved. They left one branch opened like 20 minutes to half hour away depending on traffic. Since it's the ONLY branch in the whole region, I can never get a bank manager. There's none available. I don't have an hour to wait.

When signed up for paperless statements, they never send you a bill via E-mail. You are expected to go to their website to view your statement. Once you are 30 days past due you finally get an E-mail.

I had some unauthorized charges from Lyft. I have called every day this week since the charges posted on Monday. When I originally called on Saturday a representative told me to dispute online. I called Monday once charges were posted and confirmed there was nothing else to do. I called last night and a supervisor told me he can escalate the claim process if I called back during claim business hours. After wasting 2 hours of my time this morning I'm still being told I have to wait 10 business days. I can only imagine if I had all of my money with this bank. Capital One is horrible!!! I do not recommend, I wish I would have known beforehand. They inconvenience you and act like they can't do a provisional credit while the claim is being processed. I will be contacting my lawyer if this isn't resolved. I will never deal with them again.

I have had a credit card with them for 20+ years and a second card for about 10 years. They had always been great. They changed their websites and combined my business cards with my personal cards into one online site. I had major issues logging into their new set up. Long story short I missed a payment and they dinged my credit for a $25 missed payment. My credit score dropped 100+ points. I was promised by a Capital One senior supervisor that they would dispute and get the negative ding removed. I received a letter a couple weeks later stating that they would do nothing. I again called to inquired about fixing this issue and was told that they would not help me. With a heavy heart I cancelled both of my credit cards accounts with Capital One. A 20+ year relationship destroyed for $25. Whats in my wallet, NOT Capital One!!

I have a good credit score and always paid in time; still, my interest in purchases is 22.99%. When I contacted the bank, I was told: there are a lot of factors that go into factoring the rate; I just could not understand why the higher rate and the way these people want the most of your money; other than they really are loan sharks. A wise person should avoid them at any rate. Avoid, avoid, avoid.

I just paid off one of my Capital One credit cards IN FULL and BY THE DUE DATE and couldn’t believe it that I was charged additional interest after the fact. I have always been made to understand that if you do not pay the total balance by the due date, then you will be assessed interest. Not HEY! PAY IT OFF AND WE WILL CONTINUE CHARGING INTEREST!

First of all I have been with Capital One over 10 years and I've been paying on time. They want you to pay the minimum. Not a dollar more so for the longest I have been paying $45. All of a I decided I wanted to pay $5 more so what they did they added a dollar on there to make me be late and pay late fees on top of that. I got that straightened out and took care of it so I had the representative to make it $60 so I can be ahead. I guess you know they turned around. Made me late again saying my minimum payment was $75 then you look again my minimum payment $100. Turn around the next night a hundred and $24 all the way from $45 minimum payment up to $124. They saying I have been late every month and I cannot get no answer from anyone. They laugh. They hang up.

They did deposit the money back to my account but it took almost 7 days to resolve the issue that is 3 days on top what they promised and also after I called them third time. The actual issue was the rude behavior and lack of assistance by one of the rep that I mentioned in my complaint. I hope they have better people for the job!

I was overcharged on multiple "cash advance fees" for a purchase I made online, I never used the card at an ATM or requested any Cash Advance. First, they have no chat support option. The website is terrible, the contact section just loops. Called them and the first lady was nice but could not give me a refund. I asked for a manager and some really rude lady did nothing to help and did not seem liked she care, just said could not give me my money back. Told her lost a customer and she could care less. Another greedy bank with rude service.

I have been a Capital One Venture Card customer for over 10 years. They sent a letter informing me that they were changing the reward system of their program from what I signed up for (from 2 points per dollar to 1.5 miles per dollar). I called the company and told them I wanted to cancel the card if I could not remain on the same program. They told me I could stay with the same rewards program and gave me a contact person and case number for my records. Four years later, I find they never made the change.

It's been almost close to a year and they still cannot figure out where they went wrong. I've proven it to them but having all these unprofessional youngsters working for them and laughing on the phone putting me on hold 4 hours has made this a nightmare. I have spoken to supposedly manager but to me they all seem to be high school students that really do not know how to treat matters that are very important to any consumer that has their credit on the line because of these mistakes. I have also read the other consumer complaints and I've noticed that this problem is a ongoing mistakes or maybe they're not mistakes. Maybe that's just the way this company works because I've seen other consumer reviews with the same problems same situations but in different states.

Paid off my bill in full. Only to get a statement in the mailbox that I owed $2.33 in interest because payments was received prior to calculation of fees. Called twice to different supervisor. Was told by one can write a letter to complain but wouldn't remove the fee. Second supervisor said, "You can only provide feedback. No complaint line or address available. Can't make complaints about bad customer service only feedback to your account." Then I was told, "All cards are different. If you had one of our better cards maybe we could waive the fee." Very bad service.

I just paid off one of my Capital One credit cards and was met with shock when I saw that I was charged additional Interest after the fact. I have always been made to understand that if you do not pay the total balance by the due date, then you will be assessed interest. Not HEY! PAY IT OFF AND WE WILL CONTINUE CHARGING INTEREST!

I have experienced perfect OLS & customer service from application until active card services. Working for a bank I personally witness subpar OLS, unfortunately. Capital one’s OLS exceeds any expectation you could ever have. Prompt timelines that are not only promised but executed are simply the most appreciated & efficient “adult life” activities I’m required to maintain. Thank you Capital One for making a part of my life painless. I wish all my apps/business affairs would run so effectively.

I make monthly purchases of $5000-$6000/month (ASPIRE Travel Black Card) and I pay it at the end of every month. Some of their practices drive me crazy. Like for instance I buy a $6 lotto ticket maybe 5-10 times/year but I just found out they're charging me a $5 "cash advance fee" for making this $6 purchase... like wtf!?! Secondly they send me a card with a much lower limit than my previous card. There have been months I've tried to make larger purchases hit a roadblock at Capital One because they refuse to up my credit limit despite having a credit rating in the upper 1% of Canadians. Apparently they don't review limits like every other Mastercard company on the planet. I'm strongly considering going back to American Express.

Me and my husband share an account with Capital One and he is a primary cardholder. It's been more than few times we had a problem to access online account to see the balance and print out the statements. The system update was not working properly and almost each time we had to change password, because the previous one somehow did not work, which caused to late payments and penalties. Last time when we had to change the password again it looked liked it worked, but then another window open with note: "The specified URL cannot be found". It takes too much time just to figure out my balance??? My husband left and I ended up calling customer service for my balance.

I have had a 20K credit limit and have always had an excellent credit rating and paid anything owed on time. Because I haven't spent on Credit lately - Capital One lowered it by $10K! When I called them - the manager said "it's because we are a conservative company" (as if my zero balance was high risk!) The employees and management were completely clueless as to the reason they actually do things. The other line was "It's because it's our policy" - so no one knows the real reasons for the bank's decisions. I don't recommend them.

Do not get a credit card with Capital One - They don't try and help anyone. I went through Hurricane Harvey and they would not refund a late fee during this period because I wasn't "eligible". Terrible, just terrible.

Went to pay bills today and my account password isn't working. So I tried it three times and then the system locked me out. Which is weird because I know I was using the right password. I use the same password for everything. I then call Capital One who proceed to tell me that even though they have my Social Security number, my birthday and all of my information that I’m able to verify they can’t verify me unless I give them my license number, which is now different from the license I had when I signed up for years ago. Long story short without that number they are unable to verify me and I am completely locked out of my account and my money for the weekend.

I am writing to express my disappointment in how my very simple request was handled today. My request for a credit limit increase on a Capital One credit card that, for the past number of years, has been on pre-authorized debit to pay the balance owing in full each month was declined for no comprehensible reason. What a shabby way to treat customers who generate little to no revenue. Shame on Capital One Canada.

I do not recommend banking with Capital One. I went to file a BBB complaint & a note asked that consumers first contact a specific individual in the Capital One Office of the President. Going that route, Capital One ended up stringing me along for several weeks, until I gave them a deadline and said if they hadn't corrected the issue by a certain date, I would file suit. The rep, Leiah, contacted me by my deadline and stated they would be crediting my account the $300 in losses their actions cost me. One week later, Leiah went silent, and I got a call from another employee, David, who stated Capital One would NOT be crediting me the $300 they cost me.

It seems that after a month of trying to resolve my issue and after them telling me that I was stuck with the bill I wrote a review here and within 24 hours they changed there decision again.

I paid my full balance on Dec 6, 2017 and the same day they charged me interest rates for the amount due that I had just paid off for the credit card, called twice and both representative gave me two different stories, these people are full of BS. I do not recommend Capital One to anyone. Go for Credit One that is the best credit card to build credit.

I got my card about 8 months ago and my card has been hacked twice now. My card got hacked less than 3 months after I received my card and again today (12/7/17). Both times the card was used for online purchases. At least this time they blocked the charge. But are you kidding me? Getting hacked even once is a joke. I have had cards from 10 years ago that have never been hacked. This is such a pain to have to reconnect all my accounts that I have put on auto-pay with this card. If it happens again I'm switching to a different company. Not worth having to go through this hassle every few months.

I booked a flight via Capital One Travel using points and also $371.00 and had to cancel due to Hurricane Irma. Their policy was that if you call to cancel within 24 hours of booking, you will get a full refund. I called within the 24 hr time period multiple times and was continually left on hold for over an hour each time. Finally, went to bed, called the next morning and they apologized but phones were busy due to Irma but will not get a refund and they would not return my points. After telling them I would have to close my account, they said they didn't care since they are not Capital One but rather a third party. HORRIBLE company and cannot believe Capital One uses them for their travel. Shame on Capital One and Capital One Travel. Will NEVER use this company for anything.

I have always made above the minimum payment, paying through my bank account, all of a sudden two payments returned for unknown transaction, lol. Funny part is I have been using the same bank account to make payments for a year, so long story short, they restricted my account indefinitely and I owe more than my credit limit, which I have never gone over. I am not upset because It could have been worst. I will pay this off and good riddance, I have another account with them, so I'm going directly to the local branch close this account and never look back. This is a scam.

This company is garbage. Stay far far away. Go through anyone else. We literally have been customers for over six years, and as soon as there is one little hiccup, these minions won't help you out. My wife forgot to put auto payment to her new bank account and they tried to take money out of our old account. The problem with this is we already paid the monthly minimum prior to this occurrence. Now, these soulless cretins won't immediately put money onto our account when our car has broke down and we need a credit card to rent the car I booked. Six ** years and we already paid! I hate this company and I hope it gets sued to death. I will jump on that bandwagon. SCREW YOU CAPITAL ONE!

Signed up for a credit card at the beginning of August 2017. Waited a month the card never showed up... I got the card issued 2 times after that and it never showed up so I kept calling for them to remain it. I cancelled the card and they were supposed to send me my security funds back and they never did so I called them at the end of September. They were suppose to send my funds then I called them October 13th cause they still were not there so I called and got them to remain it again and it never showed up in November... Then I called today December 5th and it's still not here and the person I talked to said they would reissue it... ** I want my money... The worst customer service and experience ever. Does not help that every person I talked to doesn't speak English properly and when asked to speak to a manager I got told there was none to talk to. Now I am getting a lawyer involved.

In August, 2017, I disputed a charge by a merchant due to their failure to perform house cleaning duties I hired them to do. Initially, I sent in screenshots of text messages exchanged with the merchant wherein they admitted they failed to perform the duties, not once but twice and they even offered a free carpet cleaning service after the second incident. These screenshots were sufficient enough for Capital One to issue a "temporary" credit to my account. The merchant then submitted documentation which resulted in the charge being applied to my card again. (I have asked for this documentation twice, once was in writing, and I have yet to receive anything.)

I'm going to cut to the CHASE here (ironically I'm switching back to CHASE BANK) - this is the most irritating bank account I have ever had. Every time I pay the rent or my credit cards or even swipe my card to make a purchase they take the money out, then it shows as a pending transaction, and it tells me the "available balance" but then, they put the money back into the account where it doesn't show like you ever made those transactions at all. A few days later it goes back to pending and you have a different "available balance" because we went on with your life assuming that your initial available balance under pending is what you have to spend.

This was my first credit card. I’ve had it for almost a year and it only has a $300 limit on it. I’ve CONTINUOUSLY asked for a credit limit increase which would go to $500. Which is more than enough for my emergencies. But every time they turn me down. It’s just funny that I can apply for a BRAND NEW credit card and instantly get a $1500 limit but I can’t get my limit raised to $500 on this one? Capital One customer support doesn’t help either. I’ve paid my bill on time every single month, my credit has even gone up almost 150 points! I am very displeased with this company and wouldn’t recommend to anyone.

After an hour and a half on the phone trying to report a fraudulent charge, I was told there was nothing I could do and that I just needed to make the balance current. I asked who I go to next and they said, “Hold please” and left me for another half hour. Once they returned I was told there was nothing they could do. I live in the United States and the charge happened in Hong Kong. Evidence was there and they would do nothing to help.

"Thank you for contacting Capital One about the credit card account number shown above. We looked into your claim and found that it is fraudulent." The above statement is what this stupid company wrote to me about a credit card I've been using in uninterrupted fashion for 25 years. I never contacted them to complain that the card was fraudulent, and no matter how many times I called to explain that they must have made a mistake, they in their infinite stupidity refused to believe me or re-activate my card. Eventually they told me I needed to submit a fraud form and include copies of my SSN card and driver's license. Huh?? To fix their mistake?? No thanks. If anyone from General Motors reads these reviews, this was a GM Rewards Card. Guess I won't be buying a GM car. Ever. "Capital One. What's not in your wallet?"