Capital One Reviews

I chose a Capital One credit card based on the transfer deal being offered. They were quick to grant me a $20,000 credit line. When I called regarding transferring my balance, the worker advised me to wait and that the offer was good for a year. When I attempted to transfer my credit card balance two months later I was informed that this was not possible and that there were no offers available. I spoke to a representative and was transferred to a supervisor. Both acknowledged that I had called two months prior and that there was a balance offer at the time. Both said they were sorry but to check frequently if another offer becomes available. I believe that this was predatorial and am now stuck with a credit card that I have no use for with credit card balances I am unable to transfer.

My mother is elderly, is now in the hospital with a tube down her throat. I needed to stop a recurring charge from a disreputable company. They insisted on having her verify the account. I asked if they expected me to go pull the tube out so she could talk to them and informed them I have power of attorney. They said they would not do anything without talking to the card holder. Worst company I have ever dealt with.

This is the worse CC customer service ever in my life. You’re robbing elderly customers and charging too much interest! 70$ a month for interest is robbery! Charging 40$ if you pay your bill after 8pm. PEOPLE WORK FOR THEIR MONEY!! Thievery at its finest!!

I was with Capitol ONE for many years. They were one of my first cards while building my credit. After so much time I had many other offers and cards along with a credit score of 800. So when I told them I no longer wanted to pay an annual fee, they didn't care and my only option was to close the account. I had one other card from a different company with an annual fee and they gladly waived it for me. Not Capital one! The bill wasn't even due and had a zero balance but they made me pay it and told me I would get my money back after I canceled the account. Well I was expecting 7 to 10 days but nope. 2 to 3 months!! Perfect history with them and zero balance and now they are keeping my 39 dollars for months!? Ridiculous and zero customer loyalty. I will never have another Capital one card and I will always tell others to go ANYWHERE else.

I made a purchase to a company and could not find the invoice. The company would not grant a refund or return of the product. After numerous contact points with Capital One they refused to help with either a refund or to process the complaint. They are a fine card as long as you make your purchases and pay your bills to them. Don’t expect any back up. After 12 year time with them, I cancelled my card with much prejudice. Gregory ** MD

I've been a customer for over 12 years and previously would say I've enjoyed the credit card, but this last trip I decided to try their travel rewards program. I booked my entire trip to India for a family of 4 through their travel portal. I made sure everything was confirmed before I left. I arrive in Upiapur- extremely tired and jet lagged to find out that my reservation was cancelled ??!!? and they are sold out so we have nowhere to stay. (Our driver says this happens because someone probably needed a room and paid under the table?)

I have been a customer of Capital One for many many years. Small issues here and there with them declining online purchases with Ticketmaster, but after a quick call to their customer service department and them texting a verification code to my phone for me to give to them, the purchases were allowed to go through. Then this past week happened. I was making purchases for Christmas at a large retailer in town. The purchase was declined. Usually Capital One will send me a text asking me if I just made a purchase. This time no text, so I called customer service. The agent texted me a code that I repeated to him on the phone. He lifted the restriction and said that the purchase should now go through. After hanging up I took my receipt back to the cash register to pay and my card was declined for a second time.

There’s absolutely no incentive for having a Capital One credit card unless you have a perfect credit score or plan not to use the card. If you have a late payment oops, they don’t offer a forgiveness or waive the fee. There are monthly service fees on top of your monthly payments. Again, no incentive to having this card. When you pay off the card, they will delay seven days showing your account at 0 balance… Stated they wanted to make sure it was me who paid off the card. Very interesting!!!! 🤨

Capital One is a company I would never get a card with. I once were a customer of their card and every month without using card my balance always at max limit. I would call and state that I never used cards and this one time the operator put me on a three way call and the company I never heard of knew more about me then I did. I pleaded with Capital One that not mine. They refused to listen. I canceled my card and since they held me hostage to scam purchases I over paid the limit. I was sent a cheque for $3.71 which is still on my fridge and refuse to cash out. Out of nowhere I get a call from Capital One demanding payment. I explained, "I don't have your card and haven't had your card for years and to this day." They have now affected my credit score. They claim I have card and I said I would never get another card ever from Capital One.

As bad as ever, I mistyped my telephone number when setting up my profile, and now getting it changed requires me to scan my DL- sure, so the world can see it next time the bank is hacked. Now I can't log in to review statements online, so that undermines their claims about protecting my security. How can allowing me to use the card but not allowing me to review the charges online be for security? A clown show. I took the card out for the REI bonus offer but it is not worth it. Get ANY other card instead.

I am my Mother's POA. She has had a Capital One credit card for over 5 years with no issues. At the end of November, she received a letter stating she needed to verify her birth date by early December or her account would be suspended and closed a month later. I called Customer Service and the rep could not find any notice or indication that info was missing. I was told to disregard the notice. But sure enough, in December Mom's account was suspended.

I honestly had been pretty satisfied with my Capital One credit card for the decade that I've had it besides the ridiculous interest rate. but in September I received an email saying that I haven't made my payment and I should schedule one in the few days remaining but I knew that I mailed a check. so I logged in to the web portal to check the status and it showed that my mail payment was processing (it said they received it on the 13th and my due date is the 17th). Turns out they decided to hold that payment and charge me a late fee on the 17th and then post the payment on the 18th. I didn't have time to call them at the time but a few days later I logged back in and saw that the payment date was updated to the 13th but the late fee was charged to my account on the 17th still.

I wanted to inform the public of how Capital holds no regard for the security, safety and lives of their customers. I found myself in a situation, in where my vehicle broke down and resulted in me being stranded on the side of the highway at a very high trafficked location. I'm speaking of hardly any shoulder with eighteen wheeler after eighteen wheeler flying directly past me, only a few feet away from me stranded inside my vehicle, whooshing right by me, only a couple of feet away at an average speed of 85 miles per hour.

I chose CapitalOne for the reviews. However, setting up the accounts is NOT speedy. It has taken over a week. Called and was told to wait 1-3 business days (this on a Friday) for my phone number to 'register.' There is no other option given for a confirmation code. If you only have one phone, well, you're out of luck when there are issues confirming. I suppose my rating will change once the accounts are set up and running.

I was attempting to pay my property tax bill online through Capital One. I don’t know if it was my error or Capital One's error, but the money was sent to California DMV instead of Riverside Tax Collector. I IMMEDIATELY saw the error and attempted to cancel the transaction. I kept getting an error message saying my request could not be processed. Long story short after speaking to numerous customer service personnel I was told that the transaction had posted and it could not be reversed. I would have to deal with DMV. There’re was absolutely no attempt to offer a solution. I cannot believe that the bank does not have the capability to immediately reverse the Transaction. They just don’t care about their customers. It’s not the first time they have refused to help me with my account. I will never bank with them again.

Capital One froze all my accounts for no good reason today. Supposedly due lack of information? I am changing banks. Is what they did legal? Did they follow proper & appropriate notification methods? I don't believe so. I have been a Cap 1 customer for years and today they stole all my money. Shame on them!

I have had Capital One credit cards in the past. Applied for a new one with a sign on bonus. Forgot I had frozen my credit so when I got an email from Transunion I unfroze that file. It was still rejected because Capital One wanted to pull all three credit agencies and put three hard inquiries on my credit report. A number included in my rejection email included a phone number in case I wanted information or to reapply. That number is for telemarking and doesn't even have a live person. Just a recording trying to sell you medical alert devices and other things. This leads me to believe I don't even want a credit card from such a sleazy company.

I’ve had Capital one for about 10 years now and they still refuse to give me a credit increase. My Amex card that I got after capital one has a $45,000 limit while my capital one has $4000 and I’ve had them for much longer. Also, my credit score is at 810. I would stay away from this company. I haven’t had the best experience at all but I don’t want to leave due to my credit.

Their ads and offers are not respected. They lie to their customers. You fulfill their requirements for rewards that they promise but they do not pay back anything. That's reward that I could have secured had I used another credit card company. Their customer service is horrible, and you always speak with a bot/robot and submit cases that they do not follow up with you on. It is real stress to carry their card. Last time I go with CapitalOne for any of my financial needs.

This year I learned from the IRS and the MD Dept. of Taxation that they didn't receive payments from me in 2020. I found out that Capital One allowed a private individual who stole my checks to cash them even though they weren't payable to her. Capital One refused to pay me until I filed a report with the Consumer Financial Protection Bureau, and then they only paid for the federal check with no interest or penalties.

Ridiculous and horrible, over two hours trying to get a hold lifted and no success. They suck. They are just trying to avoid solving problems and pass you to the next person who passes you to the next person.

As a business owner, time is our most valuable resource, and I simply can’t afford to waste it chasing down mysterious credit card charges—like an inexplicable $65 that seemingly appeared out of thin air. What’s worse? The customer service experience has been nothing short of infuriating. I’m not one to complain, but this is beyond frustrating. How did a company that was once so seamless and reliable turn into such a headache? WHAT HAPPENED?

For over ten years, we have had a CapOne credit card. To help manage recurring payments and shield that card number from fraud, we have three numbers for the account. One in my wife’s name and two in my name. One of the card numbers in my name is used exclusively for recurring payments. The other for daily use. This way if the daily use card is compromised it doesn’t affect any of my recurring payments. Recently, and without notifying us, the secondary number (the daily use card) in my name was cancelled. I found out when I tried to use the card and it was declined.

All around poor service. Apparently someone tried to use my debit card for an unauthorised purchase. My card was cancelled. It's been a week and Capital One have yet to get my replacement card to me. I called them on Saturday because I was to get my replacement card on Friday which I didn't get. They advised me to wait until Monday, I waited and still did not get my card. I called customer service and they had no resolution other than advising me to tell money to family and friends for cash until I get a card that might take 7 to 10 business days. I am ready to take my business somewhere else.

I have been with Capital One for over three years! At 12:30 AM on a Saturday, Capital One decided to lock my card due to potential fraud. They didn't text me, call me, or anything. They just locked my card while I was out with friends. Not only was I unable to use my card, but I was also embarrassed. I called first thing Sunday morning to explain that the transaction was made by me. They still refused to unlock my card because they stated they needed to speak directly to the banks linked to the account.

Like many others, I have reached my limit with Capital One. Someone attempted to open a credit card using my personal information, which I promptly reported after receiving an alert from my credit monitoring service. Despite my efforts, after 3.5 hours and speaking with five different representatives, I had to give up. Weeks later, I received a letter from Capital One requesting "supporting documentation" for the fraudulent credit card application, referencing an *Application ID* provided by Capital One. Determined to resolve the issue, I called again, armed with this reference. However, after being transferred between eight people and spending an additional three hours on the phone, I gave up once more.

Capital One has told me my account is closed. However after taking my deposit leaving me with a balance of $7.58 they added $40 for what they call late fees. If my account closed how is it possible to add $40 late fees when capital one a remittance transfer agent has my remittance coupon for the credits of $300 dollars and has not processed my payment before closing my account and every other day they add more fees last week $25 late fees. This week they say $40 late fees on $7.58 cents. Clear sign of fraud. Also Freedom of information act was put in place as a right for consumers to obtain records of conversations and call logs

They closed all my credit accounts because payment of $30 was bounced back. I was traveling, spending money... now I am back and I can pay everything... but closed all accounts 2 days later payment bounced back. I never had late payments, or anything, always was a good customer. Absolutely terrible bank.

I never missed a payment in 2 years and never got but one credit increase of $100. Capital One would never give my deposit back like they said they would. They said I missed a payment and then refunded my deposit with a late fee from it. Talk about scammers. They also put the money back in the account and won't let me pay it off and get my security deposit back. I am going to get away from this sorry bank for good. Beware because they don't give a crap about you. Trying to get rich from other people's cash.

Just avoid these people at all cost. Save yourself the headache. My account was closed after I paid my balance in full. I called and had to talk to 3 people before I got someone that spoke English as their first language. No one would give me a straight answer just that my account was closed and to have a nice day.