Capital One Reviews

I would like to send a heartfelt thanks to the employees of Capital one on Tunnel blvd in Houma Louisiana. The atm machine kept my debit card. I had waited for 10 minutes for the machine to spit out my card. It never did. Mr. Randy fixed the problem in less than 10 minutes. At one point at the ATM I stated "give me my freaking card". I want to tell Mr. Randy so much. It is a blessing to have a bank that can resolve issues in a timely manner.

I'm a first time home-buyer whose offer was accepted Thursday evening. Yesterday, I called Capital One 360 and asked for assistance in wiring money to an escrow account. They told me I can not wire to an account not linked to my 360 account so I had to pick an existing linked account. Then a manager named Stephanie came on the phone and told me she could make a one-time exception to help me wire the money over for delivery the next day for a $30 fee. I needed the money to be in my escrow account on Monday. So today, Saturday, I logged into my checking account and saw the money was not there. I then called Capital One 360 where I spoke with Tyler who said I had missed the cut-off time the previous day and it would not be sent until Monday. I was outraged. This is not what I had been told. Stephanie never mentioned a cut-off and assured me it would be here today.

This past summer, Capital One ran a promotion where a customer would get $300 once he or she opened a Capital One business checking account, deposited $3,000 into the account, and posted one online bill payment. I subsequently went into a branch location to open the account. Not only was the person who opened the account unfamiliar with the promotion, but she did not properly go over the terms for earning the promotion. After the promotion ended, I noticed that the $300 bonus was not posted to my account, so I called to find out what happened.

Disputed a charge from TAM airlines. Nothing happened for two months after sending in all information that they asked for but now they want all sent in again or will recharge disputed amount. Capital One needs some help with follow-up and organization of material. Disputing an easily returnable charge does not mean what you would think. You will have to defend your position for about 6 months and no guarantee of right decision based on reasonable evidence. Good Luck.

I am closing my account if that is even freaking possible, I have had to prove my identity not once not twice but three freaking times. Not worth the drama!

I have been a Cap One customer since 1995. Yeah, over 12 years. Always paid on time except for maybe 2 times late by 1-2 days. I pay over the minimum every month, I have a credit score over 780....current bal. is $1600. Today, Dec 5th 2013, I get a letter from Cap One dated Nov.16, 2013, telling me my credit limit has been reduced to $2k, down from $5k! The 3 reasons for dinging me were: 1)There is an excessive use of Cap One credit (huh? $1500 inside of a $5k limit?) 2.)High credit or credit limit on accounts (again, what??) and 3) There are too few or no mortgage accounts (so it's a crime now to NOT own a mortgage, wth! I call it a blessing...). I called in just now and talked *nicely* to a bunch of robotic CSRs and got absolutely nowhere, talked w/ a manager too. Time to pull the plug....

I am a customer and Mastercard member of 13 years with a pristine account history. This year the credit card division of the bank was taken over by the incompetent Capital one. When Capital One came into the mix, everything went to a downward spiral. Upon the Capital One takeover, I could no longer access my account online.

Our Capital One balance was paid in full (my elderly parents in their 80s). I sent a check from my mom's account paying it in full plus 25.00 extra for interest. They sent the interest money back. It is not closed. In with the 1200.000 was a notarized letter from me and my elderly father and I asked them to close the account. And after talking to 4 people and getting the run around I got a man who says it had been closed. Well we got the interest money back and now they say they cannot close it till they get more information. My poor father is furious and refused now to pay another dime to this robbing company! So we should have never paid them because they will not close anyone's accounts!!! We are going to now get an attorney to sue this company! I have already contacted five on your side which is a TV station! If you wanna sue get on board with us! And we will have a class action suit! Join us if this company will not close your account after being paid in full.

I am SHOCKED at the way I was treated by Capital One as a customer. I got the card, had it sent to my address and soon after that the account was restricted. They kept asking me for address confirmations, which I sent in 3 faxes. As a ridiculous follow-up they charged me a USD39 fee, yet the hold was never removed. Today, after talking to 5 persons, an accountant assistant called Pam was awfully impolite and just cancelled my card without any further explanations. I am a visiting professor at FIU and will start off a huge campaign against them among my students and on my social networks. It appears that their only concern is to get the initial fee and then treat us like rubbish.

This company would call me starting at 5:30 AM even when I told them to stop calling so early. They continued to harass me - Nonstop!

I mean really!! Have any of you people ever read the Bible. It has that "bad word", it's probably every chapter (the word is "damn" by the way). Was I a little surprised by it? Yes I was. Was I offended? Absolutely not!! If any of you pious zealots can honestly say you have never heard or said that word, please respond. I knew immediately that CapOne had yielded to the idiotic few who complained when I heard the commercial later and it had been changed to every single day. What a crock.

I got their credit card when I was 18 to start to build credit; it came with $39 annual fee. Now I am 24 with excellent credit and they will not waive nor relook my account to a card that has no annual fee. The card I have is for people with low credit quoted on their site but it doesn’t matter. I can’t cancel because I don’t want to affect my credit score. HELP! They definitely won’t. They just say I understand your point and to try later, but I’ve been for the past 3 years!

Capital One online banking for credit card payment. The system suspended payment and statement notifications after two years of successful monthly notifications to my e-mail address. They had a glitch of some sort where their system suspended my notifications. I am deployed to Afghanistan and relied on the notifications to ensure on-time payments and monitor the account. I normally pay it off monthly. So I get a credit alert (another notification from the credit monitoring service I engaged to keep me informed, etc). I check the alert and Capital One reported late payments, damaging my credit rating. They did reverse the late fee but refused to reverse the negative credit reporting, stating that they had the right to do so. Well yes, they do have the right but it is an abuse when it is their online system that they encourage customers to use that failed and caused the issue. I suspect they did it to thousands of people and collected $20 late fees from each. I think it is as crooked as any fraud is.

As a psychologist and parent, I am simply appalled at the pathetic attention seeking behavior to 'say a bad word' to get people's attention. Seriously? Is that the best advertising you have? When all else fails, curse? Pathetic. All you did was lose the attention of anyone that thought your other commercials were half-way amusing.

I really can't believe using language like that used in the Samuel L. Jackson commercial is permissible! What are we teaching our children!?! I will never do business with Capital One. If they have to use such empty, base tactics to sell their product, then they must not have a very good product!

It appears Capital One has join the ranks of many other media outlets in assuming our families want to hear the smut that is being pumped into our homes each day during prime time family hours. The utilization of profanity for a credit card commercial is absolutely unnecessary and very unprofessional. Capital One is a major banking institution and should pride itself on developing employees and selecting representatives that have proficient quality public speaking skills that extend beyond simple profanity. Does the use of such inappropriate language reflect the family values of this organization? If so I will choose to do business with more decent and morally suitable businesses.

Walking in my living room while my 7yr old and 5yr old kids are watching Scooby Doo on ABC family (really), I see the end of a commercial where they are using "damn" to sell me a credit credit card. Both my children even noticed and looked right at me like I was suppose to put him in time out!! Lol. Come on... already have a hard enough time these days raising decent human beings. Don't need everyday TV commercials getting the green light to run this kind of stuff on a loop... Capital One, you made a mistake. This needs to come down.

It is hard enough in this day in time with everyone hiding behind social media sites and saying anything they deem necessary to raise children and our future leaders with manners and respect. Now Capital One thinks it is appropriate to use profanity "every damn time" in their commercial. I am sick to death hearing the younger generation using profanity in their every day conversations as if it is ok. Really Capital One, clear out the junk.

I had an account with Orchard Bank for 5 years until it was taken over by Capital One. No problems whatsoever with Orchard Bank. One month after the transfer, Capital One charged me a late fee and reported it to the credit bureau. Second month, the same thing. No customer satisfaction and their reps are horrible. I absolutely hate Capital One and after my account is paid off I will never do business with them!!!

I do not understand why this company has a commercial where a man curses in it. We have a lot of kids these days that have no one to look up. Why can't we give them positive role models? Kids watch a lot of television and need to have positive influences in their lives. I hope this company can pull the commercial or at least edit the ending. There is no need for cursing like that on TV.

Watch the latest commercial and see where Capital One Credit uses profanity (D---) I think they want a massive lawsuit. Unless I'm mistaking, it is still a violation of the Constitution - although today, nothing matters anymore with that - our Country really stands for nothing anyways!

I do not receive my monthly statements from Capital One. I have called them and chatted online over this issue and have subsequently received late fees or service charges over late payment. I have excellent credit but still deal with high rates by Capital One for which they will not deviate easily from. I am told their system shows my statements are being sent, but why is Capital One the ONLY business I have trouble getting mail from? I verified my address with them. I verified I want paper statements only. I get the apology, sometimes a refund in service charges, but I still continue to have issues with statements. I would like to know if this is something others are have had issues with.

October 2013 Commercial - Why would you choose to broadcast a commercial with swearing in it? Our educational system is one of the worst in the world and this commercial shows further ignorance. The dictionary is filled with words that can encourage the use of your products.

ARE YOU SERIOUS??? I just walked in on the end of a Capital One commercial with Samuel L. Jackson on the Fox News Channel. Imagine my disbelief when I hear Mr. Jackson exclaim, "All the DAMN time!" You have got to be kidding me. I think this is totally distasteful. I can believe that TV shows scrambling for ratings might want some shock and awe, but trying to sell me a Credit Card with profanity? You're totally off the page, and I will never do business again with Capital One if you do not remove this commercial. Whoever approved this is ignorant and needs to be fired!!!

While listening to GMA at 7:55 am CDT, your commercial came on the air; it ends with "EVERY DAMN TIME". I understand this is a no nonsense actor, but during the breakfast hours when children (and moral adults) are listening? TAKE THIS COMMERCIAL DOWN. And, do not add me to your mailing list just because I complained; I will not get a credit card.

After 15 years, I am attempting to close my Capital One credit card. I have sent them a check for the full balance which they received on 10/12/13. They are refusing to apply it to my account, even after two phone calls, because they want the interest to hit on the balance so that I will still owe them something. Today is October 21st and they've been holding my check since the 12th, claiming they have 10 business days before they are legally required to record my payment. This is a totally predatory practice.

Capital One charged me a "Member Fee" on 9/17 but had never done so before and never sent any statement that they would do so nor did they send any bill. By 10/16 I had TWO late payment fees and only then was I made aware of the charges by email. I made several attempts to call their so called customer service number but they never picked up the phone. I was able to use their chat feature from their website and the card was cancelled and the agent claims these charges would be reversed. I am still very angry that they would be so sneaky as to run up an $89 bill for a card I have not ever been charged a member fee on before and not even used in over a year. I will NEVER do business with this company again.

I have had a Capital One card for 8 years and never had a problem. Since the first of the year Capital One has taken over 2 accounts that we had with the credit card. My original card I never had a problem and never been late. The other two before Capitol One took over I have never been late. On Sept 30 I paid my Capital One bills for Oct. I didn't get a confirmation number because they said it so fast, and I had never had a problem before. Now they are saying we didn't pay them and are charging us 70.00 in late fees. Yet my old card I paid on Sept. 23 and had no problem. Anyone else who has had this problem email me.

Awful company! I attempted to do a balance transfer to a different card and after 3 weeks and hours on the phone, my resolution is they have stopped the check (that they sent to the wrong address) and they will reissue one and this will be resolved in 1-2 billing periods. In the meantime I had already paid my Capital One card and am not carrying the same balance of $2500 on three different accounts while they fix this mess!!! Unacceptable, never get the same answer twice and their complaint department is a joke. The moment these charges are corrected, I will be closing all of my accounts and suggest everyone do the same. Too bad they bought out ING. I liked those accounts but gone they will be as well since I will NEVER do business with Capital One again!!!!

I believe Capital One uses a unique process to rid themselves of lower interest, low credit limit card holders. Banks make their money on fees and interest, the more and higher, the better. What I've experience every 3-6 months is Capital One contacting me about a potentially fraudulent transaction, and their need to cancel and reissue my card because of this. This creates an inconvenience for the card holder, especially if this is your only card, or if you have auto-payments tied to the card, and Capital One knows this.

Prior to purchasing items from an online diagnostic tool company, I called to inquire about buyer protection just in case there were any problems with this purchase. They assured me any purchase has this and would easily credit back if there was proof the item was returned. After receiving the items and trying to remedy the problems with the merchant it was in my best interest to return. Well a 1,200 purchase has become a nightmare because they are debating the two parts of the charge. I receive two letters, fill them out, only to have the second letter arrive three weeks after the post marked date, and on the day the information is to be faxed out, after being passed back and forth from call centers from El Salvador to Philippines, I get an American person who reminds me the time limit.

We have had our GM Card since 1992 and it was serviced by HSBC card services. Never had a problem. Within a matter of months after Capital One took over our card, we have two fraudulent charges. We of course disputed the charges. Capital One did their "investigation" and sent us a copy of a signature that looks nothing like ours. However, they are saying that because the cards were not reported lost or stolen, we are responsible for the charges. The cards were not reported lost or stolen because they were not lost or stolen and are still in our possession. I have come to the conclusion that someone at Capital One is selling legitimate credit card numbers with legitimate expiration dates to thieves who then create their own cards using the information on unsuspecting cardholder's like us.

My Capital One Credit Card was breached and hacked into 4 times this year. After the 4th time, I dropped Capital One like a hot potato and shredded my credit card. I have never dealt with a credit card company that has such poor security measures. Someone actually created an online account without my knowledge. DO NOT GET A CAPITAL ONE CREDIT CARD IF YOU VALUE YOUR PERSONAL INFORMATION!!!

Capital One uses a ridiculous strategy to collect on bogus, illegitimate debts. Like many others who have posted here, my personal information was hijacked a few years ago and several accounts were opened in my name. Even tough I provided written proof that the debt was not mine, they continuously tried to collect from me, and threatened to ruin my credit unless I settled the account. I told them that I am financially independent and don't need credit anyway, and invited them to waste as much time & legal resources on the matter as they wished. When their lawyers filed suit in court (I was just one of many, many others that they were trying to collect from), the case was dismissed, of course. All they accomplished by using this strategy was to line the pockets of their lawyers.

Capital One is a HORRIBLE credit card company. They reported false information which caused my score to drop over 140 points. They're claiming that my account is delinquent and it's in collections, which it isn't... and they're also claiming that my balance is $247/$201... and it isn't, once again. I'm well below my credit limit, and I was planning on raising it $300 this month... doesn't look like that's happening now. I had great credit prior to this, and now it's so low it's drowning in the mud puddles left over from this morning's rain. They're just doing this so I can't go to another credit card company, and I'm stuck with them.

To open, Household Bank Credit Card was taken over by Capital One. I had an account at each company. On 08/29/13 I received notice of a pending payment on the Household Bank account, closed in June of 2013. In July a payment was made and I notified Capital One the account was closed and was owed a refund. I received refund in August minus interest. As stated on 08/29/13 a notice of payment was sent by email of a debit from my checking account on 09/06/13. I immediately called Household Bank/Capital One and after pleasant phone call, I was assured the transaction would not take place. On 09/06/13 the transaction occurred.

I have been with Capital One for almost 6 years. I never had a problem with them until now. I went on vacation to the Dominican Republic. When I came back, they cancel my account which had money in without telling me. My pay check didn't go in because of this. When I call to see why they closed my account they couldn't answer. I ask to return my pay check. They told me no and just to reopen my account. I went to the bank, reopen it and that my check will show in 24 hrs. It's been 2 days. They have my money in a hold and can't take the hold off until Tuesday. Worst bank ever!!!!!

OK, I called Capital One on the 26th because I still did not receive my card. The person I spoke to said that the only thing he could do would be to cancel the card and send a new which I should receive on Sept. 3. I will keep you updated.

I had the worse experience with this credit card provider. If you are going away from home, make sure that you have a backup credit card to use because Capital One is going to leave you high and dry. I was on vacation in the US and my credit card number was stolen. Capital One immediately canceled my card. When I called customer service asking why my card was declined when I try to make a purchase, I was told that someone had made a copy of my card and making purchases overseas.

My fiancee suffered some health problems & got her behind on her credit card. After becoming engaged, we cut living expenses, began working very long hours, & proceeded to get her caught up & on the road to improving her credit score.

I was accepted for a Capitol One credit card on July 30th 2013. On August 9th, I went to the post office and verified my identity. I also got a letter from Capitol One saying that my card should arrive in the next 10 to 12 business days. I had to sign for this letter. On August the 15th I called them and was told that the card and my pin number would definitely arrive on August. 23rd. I was also told that the card was mailed on August 12th.

My husband and I have been card holders for years and have always been on time with our payments. On August 15th our payment was due. I knew that they close down by 5:00 pm but I was very busy that day and didn't realize until 4:50 that I haven't made my payment. I was driving so I called my husband to make a payment. He didn't have the statement so he didn't call. He has adult ADD and so, needless to say, he forgot about it. He didn't tell me either.

I submitted a request to have the current balance (including recent charges) debited from my checking account. Unbeknownst to me, Capital One debited a different amount. My account was set up to receive reminders about a payment deadline approaching when there was an outstanding balance. I never received any email reminder about an upcoming deadline after that payment, nor any other communication from Capital One indicating that a balance was outstanding, and did not realize there was a balance outstanding until it appeared on my credit report.

Capital One called me and told me that there had been fraudulent charges on my account. When I called them back to find out about this, they couldn't tell me what those fraudulent charges were. I asked them to read back to me all of my recent charges & they were all legitimate charges that I had made. Regardless of my verification of these charges, they insisted on cancelling that credit card & sent me a new one.

Capital One made a promise to restore my charging privileges if I made 3 payments. I made the payments and waited the 25 days and nothing has happened. I made complaints to every department they have, wrote in and nothing. My advice to consumers, if they send you a letter offering that something like that, don't bother. They will not follow through.

Last year I made a request in a Capital One local office to down grade my checking account so that I would not be charged a service fee. This was done after a service fee was charged for two consecutive months. My account was sitting idle with a balance of $960 since Feb 2013. Yesterday I found out that they have been continuously charging a $14.95 every month for the past 6 months for balance too low. Apparently my request of downgrading was not taking into effect. I have never received any type of warnings or notifications for the monthly service charge. I've never experienced anything like that with other banks, therefore I had to close this account today. Very disappointed with Capital One.

I am writing this review to express my EXTREME displeasure with recent events regarding my Capital One credit card account and the automatic computer generated denial of use of my card recently. My wife and I have been loyal Capital One credit card holders for several years now. We use the card DAILY, and I truly mean DAILY, for virtually every purchase we make. We use the card for everything from groceries and toys, to nights out and vacations. Until now, I have been extremely satisfied with the level of service and convenience I have experienced in using my Capital One card for all of these purchases.

In Dec. 2012, I received a credit card application invitation letter from Capital One, on which it stated the $250.00 bonus if you purchased over $500 in the first 3 months. So I applied the card on Dec. 19, 2012, and started using the card since Jan. 2013. Till early May, I found the reward points did not include the bonus, so I called on May 7, then May 14, and finally on May 24 I spoke to their supervisor, Ms. Tracey, who wanted me to fax over the copy of the letter. It seemed she realized the offer and told me she would fix it.

Terrible, terrible, terrible. First I applied and made a $250 deposit and received a $401 credit limit for a secured credit card to help build my credit since the only thing I have is good standing student loans not any real credit. Did the secured thing for a year then decided to apply for a real one before going out of state for my grandfather's funeral and yay I got approved for a $3000 card - that part was great. After having this new card and realizing I no longer needed the secured one so I called Capital One and asked them, if I pay off my full balance next Friday when I get paid and call and cancel my card, how long is it until I receive my security deposit back? He said, "Well I'll go ahead and put in a close ticket for you today." I told him I didn't want to put in the close ticket until I paid off my whole balance. He said, "It's okay. I'll do the close ticket today so when you pay your balance it will shut your card off."

Had this co. about 15 years ago and cancelled after getting horrible service. Now, they’ve acquired HSBC, who I’ve been with since. Now I’m cancelling again, after receiving the same horrible service. DO NOT have a card with this co., or any other affiliate they are associated with. Check to make sure first. They put NO effort to do anything for you, even if you are 100% right. They don’t care about you. Zero customer service. They send false info to credit bureaus that lower your credit scores. They’ve been providing this type of service for years. Read the reviews. Don’t know how they’ve stayed in business.

I have been a loyal and on time paying customer with Capital One - No Hassle Platinum credit card for at least 10 years. Today I received a letter stating they have decided to close my account and I am to destroy all remaining cards. The reasoning was- "They observed activity on the account that was not consistent with their expectations of usage for personal, family or household purposes." I couldn't understand what they could be talking about and rushed home to check account online to make sure that I had not been a victim of fraud. No fraud, just my charges for back to school clothes, shoes, a new A/C unit I had to have put in etc.. In other words, ALL of my charges have been personal, family or household items!!!!! I called thinking there must be a mistake and all I could get out of them was they are exercising their right to close the account for the reasons stated in the letter.

I've had a Capital One credit card since at least the mid-90s with a credit limit of at least $5500 (increased gradually to about $7000). Capital One has also been my primary bank for the past couple of years. I have used my credit card & paid it off several times. Since the interest rate on this card was much higher than my others, I borrowed money recently to pay it off again. No sooner had I done so than my credit line was decreased to $500 with not apparent cause & with almost no notice! Calling resulted in the reading of vague, noncommittal "codes" which didn't really tell me anything. I would like to have Capital One reconsider or at least explain. Absent that, I am exiting their system for life on August 15th in favor of my credit union & would like to encourage others with similar experiences to do likewise.

I have been a Capital One customer for over 12 years, never been late and typically pay off my balance in full each month. In April I paid off the balance of $316. Since then I have not received a statement of balance due. This evening my wife received a call from Capital One that our account was sent to collections due to an outstanding amount of $22.84 which has now turned into over $80 due to late fees and penalties. I am ready, willing and able to pay the amount due if a statement is sent to me. This amount has not been reported to the credit agencies as delinquent and in collections. Along with the credit card I have several thousand dollars with what was ING which is not part of Capital One 360. If you do not waive the late fees, penalties and remove the late payments reporting to the credit agencies by month end I will be closing my credit card account and withdrawing all money in this account.

I purchased a product at Best Buy and used their 0% financing, which meant opening up a credit card account with them, or rather, with Capital One. No problems, took the item home. Then, 2 days later I get a call from someone saying that he needed some information to activate the account I opened 2 days prior. I was confused, told him it was a done deal, already had the product. He asked for personal info and I declined. He said he understood and would put a hold on the acct., but I could call an 800 number to work with them. Then he hung up. He was not very aggressive but it was clearly a scam.

Finally, I get through to CO to address a lost card and late fees that I was unaware of on a card I opened for my son. After the forever and a day runaround, 3 disconnects, 3 times 3 people each call for my son to authorize me to speak on a card I manage for him, I FINALLY get to the point of what the issue IS. So when finding out my son goofed and missed a payment, no big deal, let's pay it off right now. "Your total, sir, is 3x the charge on the card." Hold up. What? When was the last charge made? Feb!!!!!

Without writing a novel, I tried to handle a situation with Capital/10,000 and was unsuccessful. I activated my Credit Card. I went to use it on the 4th of July. When I tried to use it, it was declined by the ATM for the wrong pin. I called immediately. I must admit the first response was pleasant and tried to help. She indicated that I had the right number and asked me to go to another machine while she waited on the phone. I received the same response at the next machine also. She told me that it could be the machines as they are sometimes all handled by the same company. I told her I would try again later at another machine. I tried again across town several hours later. Same results.

Friday, 6/21, I received a phone call at work that I would be served in the next 14 days for a small claims notice. I immediately realized this was another credit card that was taken out fraudulently in my name. This has occurred to me several times since turning 18. I am now 21, but I have always caught it before it got to small claims. I immediately got on Iowa Courts Online and looked up the creditor. It was Capital One. I called Capital One and spoke with the first people informing them what was happening. She immediately transferred me to her "supervisor,” Sara ID#**. Sara refused to help me and kept saying I had to call back between 8am-9pm. I confirmed several times this was my time zone. She refused to tell me the balance on the card and kept claiming she couldn't see anything but it was in a different department.

I placed a stop payment on a company that was taking money without authority. Capital One charged me the stop payment fee. The following week, the money was withdrawn from the company it was filed against. I went back to the branch and spoke to the manager Lori, who spoke to me as if I should have known that the company can override it. She continued to speak to me as if my presence was annoying and I should know how the bank works. The assistant manager misinformed me and therefore this bank mismanaged my money. What's the purpose of a stop payment if the other company can override it? Dealing with this bank and specifically this branch has been a nightmare. They do not care about you OR YOUR MONEY.

Last year I took a trip up to Montreal and used my Capital One Venture card extensively. When driving back home, I stopped at a gas station in Montreal and had trouble with the magnetic stripe reader on the pump, so I prepaid inside like I have done so many times before without incident. Upon filling up my tank, I went to get a receipt and was told that the receipt printer for the outside pump was broken. I verified with the staff the amount that I had pumped. I thought nothing of it until I checked my statement and saw a charge for $99.99 at that station.

This is an old CC scam but I see Capital One has been doing it now full force. I have never been late with a payment to them and for the past several months, I've been charged a late fee because they process the payment up to five days after it's paid online. I call them (via Skype because I live overseas) and they waive the fee and on we go. Then the following month, I'm told the late fee from the month before caused me yet another late fee and I didn't make the correct minimum payment. I call them up, they 'straighten' it out and on we go.

It's about 3 years that I have Capital One credit card and the credit limit is $750. Now after 3 years, I asked them to increase my credit limit but their response to me was a negative answer! They told me that they cannot increase the limit! I asked them why and even talked to 3 different people in this company (a rep, a supervisor and a manager) but there was not a specific reason for their action. As far as I remember, I was always on time to pay my bills and even other payments (other credit cards), I did the same. So this shows that something is wrong in their system and they cannot make a right decision. I do not recommend this credit card company. There are better credit card companies that may have a better a service for you. For sure, they are losers and they cannot compete with other credit companies. Stay away from Capital One. Have a great day!

Earlier this week, I was informed by my mortgage broker that Best Buy/Capital One had reported a 30-day late payment to the credit bureaus, and it is impacting my credit score. I am requesting a quick re-score so I can move forward with obtaining my mortgage on a new home.

I contacted Capital One due to receiving a declined credit card application letter stating I was declined due to reviewing my previous account history with Capital One. My debt was charged off in Chapter 7 as of March 20, 2013. Capital One's recovery department confirmed this information; however, their application department states they look at act history regardless of Bankruptcy. I thought this was a violation of Federal laws and I explained this was not a proper practice since Capital One was included in the Bankruptcy case. The manager I spoke with told me she can't do anything else since it’s a guideline. She doesn't even reflect my Bankruptcy in her department. I asked to speak with someone who could help and all she provided me was a general correspondence fax number. I have no faith in a company contacting me back after receiving correspondence and I need this addressed. I'm trying to re-establish my credit and this is not helping. If this can get to the right people at Capital One... I need someone to look at this situation because it seems incorrect and unfair. Please help.

On May 20th, I applied for a Capital One Credit Card. The card never came. On June 2nd, I contacted Capital One and informed them of this, I requested they overnight me a card since I would be traveling on Wednesday, June 12th, and would need a card before then; the associate said they would be able to send it express 2-day delivery and the card would arrive by Wednesday, June 5th. Only on Wednesday, June 5th, did I receive notice that the card was being sent out, which was processed 2 days late. Today, Monday June 10th, I contacted Capital One and informed that I still have not received the card and that I needed it overnighted to me and in my possession on June 11th. After researching the tracking # on the last shipment, they said the card was delivered to Omaha, Nebraska. I live in Brooklyn, NY. The card was sent to a wrong address in a wrong state, different from the information I provided on my credit application, twice. I spoke with 3 supervisors: Mac, Adrienne and JJ. JJ was extremely rude and disrespectful. I still do not have my card.

I give them less than 1 star... I have been a credit card customer in good standing since being a Capital One cardholder. Back in April 2013, I was 7 days late in paying my cc payment (first time ever late) and I emailed Capital One to let them know I was experiencing a financial hardship (due to some recent extensive medical expenses). I asked what payment options do they have to help customers that need assistance. They responded for me to call their 800-955-6600 number and they could help me... I called the same day and NO, they didn't help. They did nothing and offered nothing. The CSR told me, "Your only option is to get your account up-to-date and THEN call us back." Well that made no sense whatsoever. I was calling for help THEN so I could work something out to repay my debt... If I could make the payment and get it up-to-date, there would be no need FOR help.

In November 2012, I sent an electronic payment to pay on my Herberger/Bon-Ton credit card previously issued by Capital One. Evidently, the Bon-Ton/Herberger credit card was sold to another bank (Comenity Bank) in July/August 2012. I didn't realize Capital One was no longer the company where I send my monthly payment. Capital One just forwarded my payment to the new bank for 3 months (August, September and October 2012) but then cashed and kept my last payment ($200 check) sent for a credit card they no longer issue (check sent electronically and cashed verified by Wells Fargo).

Two, maybe three years ago, my husband and I went to Capital One Bank to open an account. While the lady was taking info, I noticed on the screen that my husband's Social Security # was attached to someone else, some lady in Long Island, NY. I quietly wrote it down for myself, then I brought it to the rep's attention. She said that it's a typo. I asked her to fix it. She would not! Then we went to the police dept and made out a report. We came back to the bank and they said that for them to fix it, I should bring the police there! Like police have nothing better to do. So when we went back to police dept, they laughed and said just to make sure we follow up on that. We went back to the bank and they would not do anything! We called Capital One and they would not anything!

I have had my GM MasterCard for 15 years. I use the points to purchase GM vehicles. Every month, I pay off my credit card bill IN FULL and ON TIME. This month, I had a problem with windows 10, my banks online bill pay and some of the payments did not go through. After trying to use my GM card two weeks after the payment due date, my card was declined. I told the salesperson that my card has never been declined, so I tried to reach Capital One to ask why. I was on hold for 35 minutes at the retailers where I was making a purchase. I then gave up.

I closed my account and paid the balance in full in January of 2013. And 9 phone calls later, I am still trying to get my deposit back! I am providing an interest-free $3,000 loan. No wonder they are so profitable! Do not ever do business with this company!

I recently had a Capital One card and was making my monthly payments on time. Then, the company suspended my card due to a bankruptcy, which was fine with me. They sent me another card, and I fell behind in one payment because I forgot the date to mail it in. Not only did they change my payment date, not once but twice, they also began charging me enormous fees on top of it. So, I paid online to them a $464.00 payment, which they claim they never received on their website. After feeling ripped off, I called what was supposed to be their fraud alert number where I spoke to someone. They informed me that once they received my monies, they would take whatever claim they had on my account off.

I pay my card on time and in full every month. This month, I overpaid my balance because I needed to make a hefty payment for my wedding. When I went to make my wedding payment, I noticed that my account summary did not add up and there was a problem with my account. I started by calling the customer services line. The operator had no clue what to do, couldn't understand that the summary did not add up and then told me my account would be frozen for 7-14 days. She was completely unsympathetic to the fact that most of my bills auto pay against this account and that I was going to miss a wedding payment. I followed up with two e-mails to customer service that were never returned. The kicker is that my bank processed the payments so now I'm out the cash and I have no credit card.

I had their card for years, and they always charged outrageous interest. The balance was zero, and they billed the yearly fee. Because the balance was zero, I didn't pay it. Then they charged a late fee. I called to get it taken care of and they wouldn't do ANYTHING! So, I closed the account, and they are still billing me $60 for nothing! Stay away from this company!

I was late on a payment, and the interest rate that was already outrageous was raised. I had been paying on a side-by-side since 2008. I called and tried to talk to several representatives. Everyone I have ever talked to has been rude and cold. After several attempts to try and make these high payments and attempts to lower payments, I could not pay them so they repossessed it. I still owe 14,000 dollars on this due to interest and fees. I tried to get them to settle. They offered me to pay now 10,000 dollars. Heck, how was I supposed to get 10,000 dollars? I have been killing myself to make payments. I know they could offer me a lot less settlement but they sent me a letter saying they are going to sell it unless I pay 14,000 dollars and if they don't sell it for 14,000 dollars, I will be responsible for the rest of the balance. I have been trying to contact them but I keep getting hung up on. Capital One chose to purchase or take over my account. I sure didn't choose Capital One and would never. I think if you get a loan from a company, that company shouldn't trade you off especially to this kind of company!

I asked to have interest rates lowered since I found out they are charging me higher than the nation's average rates despite having an excellent credit score and always paying on time. But they would not budge. I would be cancelling my card and would advise others to do the same. Save what's in your wallet and go to a different company.

I have two credit cards with Capital One - a Visa and a MasterCard. I have had my Visa account for almost 11 years and my MasterCard for 6 years. I pay everything in full each month on both credit cards and both credit cards do carry an annual fee. Recently, I had my annual fee for my Visa waived of $49.00. I was just billed $59.00 on my MC which is typical. What really upset me was the hypocrisy of this company when I got on the phone with one of their supervisors, who explained to me that we can't waive the annual fee for my MasterCard. I then wanted to climb the ladder in escalating this matter and I spoke with another supervisor, who basically said the same thing yet each year I'm given different information either by a representative or a supervisor as to removing the annual fee.

During the month of November, I went on a vacation to Barcelona with only one credit card - my Capital One. Earlier in the month I had activated this card. I had it since the beginning of the year but had not used it yet. The activation was confirmed. Two weeks later I called Capital One and told them of my travel plans, and that I was going to use their card in Spain. On the night of my departure, I tried to use the card for dinner at SFO. It was not authorized. After dinner I called Capital One. I asked why payment was denied. I told them this was the only card I had for my week-long trip and I only had $300 in cash with me.

I went through the drive-thru to withdraw some money ($500.00). Because they couldn't match my signature, they want me to come inside the bank. But the teller named Nina knew who I was, but she still made me come inside the bank to match signature. I went in and signed it the same way I did in the drive-thru. The bank took the acting branch manager's side without any cause. The problem is that I've been with this bank for five years. I had Texas driver's license and my credit card, plus I have talked to this lady many times. But since Paul **, the old branch manager is gone, this Ethiopian lady Nina was just being racial because I'm black. She would not ask any other race to come inside that bank with their ID.

I called Capital One commercial loan customer service on 5/2/13. I waited for more than 40 minutes to be connected to the representative.

I lease real estate, and received a check from a prospective tenant for the first and last month rent on a house. The check was an out of town bank and in the amount of $2,995. I asked a Capital One representative to clear the check or send it for collections prior to depositing the check. The representative claimed they only did so-called "Proof Deposits", which meant to me just as it sounds. The check was deposited in my account without the bank honoring my request and it turned out to be fraudulent. The check was charged back to my account with no loss to the bank due to the fact that I did not touch the funds.

I acquired this card when HSBC handled Guitar Center's accounts. I purchased an item on a 12-month deferred account to be paid off in June 2013. During this time, I have made payments so that the account would be paid prior to the due date. Last month, in April, I requested a limit increase. It was denied. With this, Capital One decided to drop my limit from $1000 to $305. My payments have all been on time. Being so angry, I decided to just go ahead and pay off the account. I will never purchase anything from Guitar Center again because of Capital One's action. I will also tell my peers of how they do business for Guitar Center customers. What is no longer in my wallet is a credit card controlled by Capital One. The human factor is non-existent in these big banks and creditors.

I was a member of ING Direct and had been a member in great standing until my account went into a negative amount of $48.63. I had been a member of ING since 2006 with no problems. I received a statement telling me to pay the amount on my account by 04/30/2013 to prevent it from being closed or going into default. The letter also advised that my account would remain open. I attempted to pay on April 26th, 27th, 28th and 29th to no avail. No one within Capital One will take my payment and also informed me that the statement that I have received is actually false, a mistake and inaccurate. I spoke with a representative, then a supervisor, who did state that the account is still open. But when I make my payment, it will be closed. It made no sense to me.

Beware of the Best Buy Capital One Credit Card. I bought an item from Best Buy for $386 with deferred interest. Two days later, I bought another item from Best Buy for $340 with deferred interest. The deferral time was 6 months. My deferred interest on the first item was 30-some dollars. However, my deferred interest on the second item with the same 6 months deferral was $222. Are you kidding? $222 interest on a $340 item. I had not exceeded my credit limit with this card, nor had my financial picture changed. What a rip-off! I was not advised in any way that the interest was different between these two items. I promptly cancelled my Capital One Best Buy Credit Card, and I will never do business with Capital One Credit again. They're total slime!

I've had a card for years and the annual fee started at $29. This year, it was $49. I called two times/two separate months closing my account. The $49 was to be credited back. It still hasn't and when I write or call to ask why, it says my account hasn't been designated to close. How many other reps and other ways do I need to say "close my account"?

I've had a Capital One CD that needs to be closed. Not good so far. The biggest mistake is to put your money in the hands of this bank. Worst, worst, worst service on address 333 Gause Blvd, Slidell, LA 70458 (phone: 985-726-4700). I called the manager of this location and they never helped me. I called 5 times for one week and no one could help me. They just transfer all the time. Very rude from the first person who answered to the last. The worst customer service ever!

I can't believe I am actually getting online to write a review! Their service was so frustrating and disappointing. Bank currently has an offer of $300 cash back on any business checking account. I went so far with patience just because of the promotion. End result: I opened an account with another bank

I went to the Capital One ATM to get some money out. The ATM is right next to their drive-thru. I tried to get $100 and the ATM malfunctioned and did not dispense my cash. (Cash got stuck right at the dispenser door.) I walked to the drive-thru and called for help. The associate got a manager (Tamara) and advised me that there's nothing she can do since they do not operate on the machines because they are from another vendor. Tamara advised me to call customer service tomorrow and file a dispute since the withdrawal is still pending. I asked Tamara to write a letter or something that I was here with this issue and her reply was, "Don't worry, I remember you." So I wonder how do you remember me if Tamara does not even know my name or didn't bother to ask for my name or phone number?

I have had a Capital One business card for years. I paid off an overdue balance in January of 2013. In March, I tried to make a small purchase but the card was denied. I called Capital One and found out they never applied the payment I paid to my account. The Capital One rep stated that I would have to have my bank verify the payment was made, or there was nothing they could do. I stated I had my bank's phone number ready and we did a 3-way call to my bank, which verified the payment was taken out of my account by Capital One on the date I stated. The Capital One rep then stated she would have to launch an investigation into the matter, and it would take 30-45 days to clear up.

I opened a High Yield Checking account with Capital One on 03/26/2013 with an initial deposit of $1000 in the form of a personal check from a highly reputable bank where I am also banking. They advised that the 1st $200 was available immediately and the remaining $800 on 04/04/2013 due to it being a new account. Needless to say, all $1000 came out of my other account overnight. Next, I set up electronic transfer so that I can transfer funds from my other account to Capital One. I initiated a transfer on 03/28/2013 from the outside bank to Capital One through Capital One's website. The website stated the transfer would take place the next day.

I received a credit application for a pre-approval for a credit card and being that I had a credit incident before, which ruined my credit. I applied and requested to have my cash line removed and was told by the application representative that I could do so once I received the card. I called to do so and was told I am not able to decrease my cash line because it's in the terms and conditions of my card. However, I read the card agreement and it says nothing of the sort. The 3 Middle Eastern representatives, one which was a manager, were the rudest individuals that I've ever spoken to in my life of customer service. I work with credit cards and I am a customer service rep. I know for a fact that we could not act in such a manner.

After disputing a charge with Capital One, I expected them to contact the vendor. Instead, they simply asked me for more information, which I didn't have. I told them this and their response was to simply reinstate the charge. I had already told them that the vendor (a large retailer) would not deal with me at the local store level, but they ignored this information and refused to check this out from their end. The email they sent me to inform me of their decision had no reply option, just a print and delete. Crappy customer service!

We enrolled in Capital One's Spark business card for our business purchases, lured by cash back rewards. A disaster of mind-boggling proportions: We made an electronic prepayment on the card so as not to go over our $20,000 limit when we were buying heavily in spring. They called and demanded proof that we had sent them the payment even though they called me at the number on file when we opened the account! I verified that we had sent the funds and explained we were in a heavy buying period for our spring season. Even though they already had our funds, they froze the account in spite of a very small remaining balance.

I deposited a check in my Capital One on Friday and had access to the funds on Monday. The problem was that on Wednesday, the bank realized the check was fraudulent and debited my account for the full amount. The manager explained to me that clearing a check was part of the services I had as a client. I never imagined it included clearing bad checks too!

I exchanged a lesser cost item and was given store credit. But by mistake, I was charged for the item. Then began the nightmare of dealing with customer service. I kept getting different answers about what to do to take care of the credit. They are the most incompetent workers with 100 insincere apologies and no resolution, and throw in rudeness when you vent your frustrations. Hours of time wasted for a simple problem.

I have a business credit card through Capital One unfortunately. I have noticed in the last few months that I have been getting recurring charges. One of the charges was from Vistaprint in which I purchased services in the past. Since the company has my card on file, they decided to charge me for a service I didn't even buy. Capital One then has me fill out a ridiculous dispute process in which they said they need additional documentation. I couldn't believe they were asking me to provide documentation of a transaction that never even happened. How can you do this in reality anyway?

I was offered a Capital One CC with a $500 limit on it when I was 16. I had the card for over 2 years, used it, paid it every month. Then one day, they started holding the payments I was making to the card until after midnight the night it was due, charging me a late fee, then depositing my payment onto the card, then charging me for not paying the minimum payment (even though I did, they just took the "late fee" out of my payment). I played catch up for about 6 months when I finally had enough. I called and tried to get it straightened out, with no luck. They refused to work it out. When I said, "Then fine, I am not going to continue doing this," and tried to move the balance to another company, Capital One refused to sell the debt. I gave up.

We paid off the balance of our credit cards when we got a windfall, small windfall but everything helped in this economy. Today I got a call. A very abrupt woman said she was calling from Capital One and I asked what it was regarding. She said she needed my date of birth but I was reluctant to give it because she was abrupt and the name Capital One didn't show up on my TV screen when she called - only an 800 number. She replied (again, abruptly and rude), "Well then, you'll receive a letter in 7-10 days explaining the call and there will be an ID number that you can use if you call us." She hung up.

The other day I couldn't find my Capital One card, so I went online to see if there were any unauthorized activities on my account. Lo and behold, there was and this had happened over a several month period. Because I had my card in my possession, have automatic payments setup and receive everything electronically, I wasn't paying much attention to my monthly statements. So I signed the affidavit that I did not make or benefit from the charges in question. A few days later, a lady from the fraud department called me to say I would have to file a police report because the charges were made sporadically over several months, were for smaller amounts, and because someone purportedly called from my cell phone to check the account balance.

I was billed $19.95 for a service that I never received. I spent almost two months and several mailings trying to get a refund. No luck! Since I have great credit, I just paid the bill. I decided not to cancel the card because that would be doing them a favor. Keeping the card account open will cost them money. The only reason I can think to have any credit card from Capital One would be to purchase things from or in a foreign country since they have no transaction fee.

So Capital One/Best Buy has a new policy where your account is frozen if you have a payment past due and you cannot purchase anything until payment is made?! My payment was less than 30 days late and I was unable to use my card because I forgot to make a payment of $25 due on 2/12/13. Really?! I'm calling customer service to close account now!

I opened a CC account with Capital One. I had no problems for two + months, always paying via Internet when a charge was posted. A posted payment was put on hold by Capital One, though both my bank and Capital One were in agreement that the payment was made. One Capital One rep stated that the payment was "suspected" and wanted me to give a third party (not a Capital One employee per rep’s statement) personal info such as my bank account #. While getting the info, Capital One hung up. I called again and this Capital One rep stated that the payment was randomly placed on hold by Capital One, although Capital One again admitted that the payment was made. I refused to again go through this very suspicious routine where I give info that Capital One already has to an unknown party and closed account.

When I contacted the bank at first with my complaint and gave all my info, I felt at ease. But after my affidavit, I got the runaround and I started feeling frustration, like no one is telling me anything I wanted to hear. I felt a real invasion of my comfort zone and no one really cares. All they do is say things they think I want to hear. Every one gives me different info.

I have had a Visa card with this bank for over 25 years. I have always made my monthly payments. 3 weeks ago they restricted a charge of mine to a pizza place. I called them and they said there looked like fraudulent charges on my bill. They issued me a new card. I wasn't sure how to send in that month's payment to my card (old or new card), so I was a week late on sending in my payment. Just got a call from a company who charges me for a monthly service of $8.00 and found Capital One Visa put a restriction on the card and would not accept the charge. I called Capital One Visa and for the first time in 25 years, they restricted my card for being about a week late on a payment. Having a credit card is a nightmare. I'm going back to writing my own checks.

I have a platinum Capital One card I wanted to use to rent a car because it provided insurance, saving me $20 a day with the rental agency. At the airport, while out of town, I called the credit card company to pay down my balance enough in order to have the funds for the rental transaction. I was told the only way for it to go through immediately was to pay Western Union or MoneyGram and call them back with the transaction number. All other methods would be the next day. I was fine with this and found an airport terminal with a western union, where I set up this transaction paying over $400. I called back with the number for it to go through, to be told it would not go through for two more days.

Customer service is pathetic. I had two mortgages and two accounts with the old Chevy Chase and can't get away from Capital One fast enough. I have refinanced one loan just to no longer deal with the sorry excuse that Capital One calls customer service. A phone call to customer service will often result in a nearly one-hour hold. You have options; do not use Capital One. Dissatisfied would be an understatement.

Innocent people are being tortured with phone call from collections. I do not nor have I ever had a Capital one card or any other credit from this company. I was bombarded with phone calls at all hours from collectors. I did not know the person they were trying to contact and told them numerous times. A Capital one employee named Judy ** wrote me a nasty letter and tried to explain the mix-up. It was not an apology but a poor excuse given about by published home line belonging to a person who failed to make payments to Capital One. I had spoken to them over the phone and was shocked at the level of incompetence. How many times must you prove that you do not know the person that owes Capital One. Her unwillingness to grasp the words from my mouth was so sad.

After two weeks of waiting for merchant's response, I filed a claim with Capital One, submitting a copy of receipt, showing amount in Dominican Pesos and US Dollars. I then received a letter from Claim Processing Center dated 11/ 27/ 2012 stating that the claim was received. Then, the letter dated 12/07/2012 stated that the disputed amount of $40.61 will be credited to my account while the claim is being reviewed. The next letter dated 01/22/1013 stated that the transaction was properly authorized and $40.61 credit will be reversed. I called Claims Department and it was suggested, if I disagree with their decision, to write a letter and submit more supporting documents.

In July, my wife and I were vacationing in New Orleans where I rented a car using my Capital One Signature One card. The Capital One Guide of Benefits states the following regarding "Auto Rental Collision Damage Waiver" on page 2: "Receive coverage, at no additional cost, for damage due to collision or theft. Just charge your entire rental transaction to your eligible Visa Signature card and decline the rental company's collision damage waiver." I had minor scrape to the right front fender on the car, filed an accident report with Avis, paid the Capital One monthly statement in full containing the auto rental and then submitted the damage estimate from Avis to Capital One for payment.

I was offered a Capital One Credit Card about 8 years ago and when I got the card, it came with a bill of about $59. I was never informed that they would charge me a fee upfront so when I called and asked about it, there was no other answer but to pay it. So after a couple of months of arguing with them about this bill, I went and paid the bill and canceled the card. Just yesterday, I went to the bank with my boyfriend to borrow money and the clerk asked me about the Capital One account. I don't know why I still get a black mark on my credit history. Anyone who is thinking about Capital One - it's nothing but trouble. Good luck to you.

Since January 14, 2013, I’ve been contacting Capital One Bank in Grand Central Bank at 109 East 42nd Street, NY, NY 10017 about withdrawing money from my son CD account - I am the guardian in the account that it’s going to mature on March 2, 2013. I had spoken to ** (assistant manager) and ** (manager) 46 times to know what I need to do to withdraw the money or if I can withdraw the money before I get deployed, since I may not be here when he turns 18, plus I lived in Colorado and there's no branches in Colorado. I was told by them to send them a certified letter with a notary stamp, the court order, and 2 copies of my ID card or passport to be able to either close the CD account or to open a checking account to withdraw the money from the CD account before they can send me a check with the money on the account.

I'm trying to rebuild my credit, so I got a card with Capital One. I have the card for about 5 months. I usually make full payments or pay half of full amount. Almost every time I have made a payment, they put a hold of 13 days to make sure that it's not a fraudulent transaction. Are you kidding me! Today is the 3rd time I have to call because of this issue. They ask you if you like to call your bank so they can verify payment. I have done that already (my payment was made one week ago today). They just play with your money. I don't have time to call my bank all the time. Why put a hold on a payment, especially if it's a verified bank account that I have probably made 15 payments within the past 5 months? Security reasons? Maybe if I'm purchasing something and is a big amount! But taking 13 days. The money was processed and cleared by my bank the second day.

We have a Capital One GM card and have had it a long time. We use it for approximately $700 per month and pay the balance in full every month. This month, merchants have declined the card. Calling the number on the back of the card yields a recording that the account has been turned over to a collection agency and gives the agency number. My 1st call to the agency was answered and the agent said a mistake has been made and she would work on it. In the meantime, no action on card and we have been locked out of our online access to the card account. I sent an email to webinfo@capitalone.com but only got automated responses saying log-in and send secure email (can't, they shut down web access) or call the number on the card (message just refers to agency which does not return calls). No action on the problem, no way to contact anyone for answers or resolution. I guess I will shop for another card and forfeit several thousand dollars in earned GM discount credits.

My debit card was skimmed while away from home. I contacted Capital One and was told I would receive a new card in 3 to 5 days via regular mail. I, of course, said I needed it overnighted requiring my signature. The customer service agent said she would have it overnighted (she was irritated throughout the entire conversation). I waited for my new card the next 2 days and did not receive it. On the 3rd day, I called Capital One back to inquire about my card. I was told the Operator's name that I spoke with on Tuesday, but there was no record of having my card made, much less mailed. My reaction is just stunned.

Something went wrong with the mobile app when I used it the first time to make a payment. The payment confirmation screen kept lagging, so after just over 3 minutes I refreshed it. I waited another 2 minutes or so and it went through. It sent the payment information that day for $100, then it went through again exactly a week later for another $100 (but I didn't actually make this payment). This bounced my bank account as I only had $26 at the time in it.

I have two cards with Capital One, a personal and a business card. They put a restriction on both my cards, because I attempted to make a purchase with both cards for a merchant, and they thought that was suspicious. They do this all the time! I called and explained that it was not fraud, and that I was actually trying to make a purchase. They could not remove the restrictions and said that I would have to wait 2-3 days to receive new cards in the mail! I had just finished making payments to both cards the day before, and I told the agents that I review all charges to my accounts daily.

Capital One does not even deserve one star. They should not exist. I applied for security credit card for my parents, so they could build credit. I paid the security deposit and Capital One sent them a credit card. So I called to activate the card; they told me that they have to speak with my parents, which was completely understandable, so I told them, "My parents cannot speak in English. Can you find someone who speaks Armenian or is there another way of verifying them?" So they told me that I can go to any bank and bring my parents with their IDs and that bank's manager can call and do ID verification, which I did.

I opened my business checking account with Capital One Bank about 8 months ago. They issued me a temporary debit for my account. Then, weeks later, they sent me another debit card with the wrong expiration date so I could not use it! Bottom line, 2 branch managers, 3 tellers, over 22 hours and 8 months later, they are still doing the same thing! I needed to rent a car but when I went to use the debit card I have that was one of the temporary ones they gave me which actually worked, the car rental place would not accept it as they needed my name as well as my company name on it!

Talk about one of the worst credit card companies in the world, this one is it. I originally had an HSBC card and recently Capital One acquired the account. My payments have always been made on time. I started receiving calls from collections in Capital One about my December payment that they said had been returned. I immediately went to my bank who checked only to find out that the payment had cleared and was never returned. After speaking to a supervisor, my bank faxed in the account information clearly showing the payment had cleared and was never returned. Unfortunately, the idiot supervisor had given me a fax number to Dish Network. I had to call back, get a proper fax number and after speaking to a second supervisor, the account info was faxed in. Still the calls from collections persisted, and they wanted me to make a payment over the phone. I told them, “No way, payment had been made and made on time in December.”

I paid off one of my two Capital One credit cards in May. That credit card was stolen either at the end of June or the beginning of July 2012. I wasn't using the card. I thought I had it put away. At the end of July, I got online to pay on the one I had been using to find out the one that I thought had been put away was over the limit. I called Capital One and reported it stolen and told them what I thought happened. They asked if I thought I knew who may have taken it. So I thought about the last person I saw around that time, and told them it might be him. I figured I was doing the "right thing."

Approx. about 2 months ago, we opened a credit card with HSBC to buy something for our home. We have been making $200.00 payment every month. About 1 week ago, I received my statement in the mail saying that we did not make a payment so we have a late fee. Frustrated that I was, I called HSBC and they told me, “We have not received your payment.” Going back to my Bank statement from Chase, I saw the check was cashed by Capital One Bank. I called Capital One Bank and they told me they have no records and they could not accommodate me with the transaction number or ID and Capital One does not want to return my check to Chase. I realize that HSBC was bought over by Capital One - the new bank has our money and does not want to post the payment of my credit card that I have from HSBC, but yet I still get statements from HSBC. I am totally confused and I want to tell the public to stay away from Capital One. Now I am out for $400.00 and I have to hire legal, which will cost me more money.

I filed bankruptcy and it was discharged in April 2000. Capital One collected on this account for 13 years, 2000-2012. They received my last payment in May 2012 and when I called on Jan. 15 to pay the account, I was told by Stewart in the Recovery dept. that my account was written off on July 19, 2012 due to a bankruptcy. When I questioned why this was an active account in Collections and was discharged through court, Stewart admitted that it was a mistake on their part and he would have a supervisor call me. I called on Jan. 16 and complained. I spoke to 5 different people and was given a Bankrupt dept. to fax grievance but it was the wrong number to someone's land line phone. After calling back to complain about that, I was put on hold. All I want is a refund for paying on a closed account for 13 years. Capital One sent my account to NCO Financial to collect also.

Usually I use their mobile app to make my payments. I had authorized a certain amount of money and they instead took out over $400 from my bank account, so of course I called. They told me that they would return my money and it would take 2-3 days, so I agreed and when the third day came, there was still nothing. So I called again and I was told that that was how long it would take to process, that the money should be refunded by Tuesday ... It was Tuesday and still nothing! I decided to wait the day and checked on Wednesday, only to see I still haven't received my money!

I have been an HSBC cardholder since 2005. Capital One bought out HSBC. They claim they closed my account in November because they have a returned piece of mail on my account back in June of 2012. They had it set to close apparently in Oct. Then it was officially closed in November. I had even spoken to a rep during this time span and every time, they have verified my name, add, etc. I had no idea they received return mail on my account until I had not received my new card only to find out they had closed it. They offered me to apply for an account with Capital One. This would give me to open accounts under Capital One. I refused it. Now, I am receiving Capital One offers at a much higher interest rate than I was getting from HSBC. I suspect that they were looking for a reason to close my HSBC card so that they would not have to honor the agreement I had with HSBC.

I am surprised but not stunned to see around 3000 complaints lodged on this company. Well, seeing the amount of publicities on TV, the image projected by this company is trust, competency, loyalty, integrity and dignity. But based on my experience and others, it is totally the opposite. Well, I had opened an account at Capital One, where I had to place a security deposit of $775 in order to obtain a credit card from them. I opted for a $0 fee card. But before I could use the credit card, I was charged $45 that I had to pay. On many occasions, I have noticed that I was overcharged. Thus in October 2012, I have settled everything and closed that account. I was clearly told by the agent at the moment of closure that I will be refunded my deposit within the next 60 days after closure. It is now almost 3 months; I am still waiting for my money. I have contacted them numerous times and the answer was the same: "You will soon receive a cheque." I waited but nothing.

My dad was mugged today and is currently in the hospital. I called Capital One to cancel my dad's credit card. They informed me that I could not do anything and that he would have to call. Hello people! He is in the hospital. I am in Michigan and he is in the hospital in FL. Way to help people in need.

Had I known that Capital One bought out Orchard Bank, I would have canceled my card. My credit is damaged from late student loan payments so I got the card to re-build my credit. When Orchard Bank owned the company, there were no fees. Capital One sent me a bill for $75.00 (fee) on a $300.00 credit limit before I even used the card again (it was paid off). When you go to make a payment, you cannot use a debit card. They suck! I hate Capital One and will pay this stupid card and close the account. Do not use a Capital One card!

Recently, I was able to pay the total open balance of my Capital One credit card. While I wasn't happy about interest rate increases in the last couple years, I always thought Capital One to be a reputable company to deal with, had never had a major issue with them, and therefore had never done any research to see what the complaint rate was on them. A couple days ago, I received my most recent statement since I paid the account to $0. To my surprise, there is an interest charge for an additional $47. I called assuming it was a computer glitch and a representative would gladly credit it in order to maintain a happy and continued customer.

I hope each and every person writing in about Capital One and their pathetic value of people has something really great happen to them. I am stunned that I am not the only person who is incredibly furious at this company. After 10+ years of loyalty, huge payments and love of their rewards program, this company insists on re-billing me for a fraud charge. In 10+ years, I have never had a fraud charge until last spring. It was taken care of well, but then it happened again 2 months ago. The minute I saw a phony charge, I wrote in because the stupid, worthless chat pop-ups (I should have left the extra o, poop-ups!) annoy the crap out of you and make it seem like they are ready to help you. Someone with the total porn name Stetson told me "Don't worry" at least 4 times.

I used to bank with Chevy Chase and it was taken over by Capital One. What a big difference in quality of services:

I don't look at my credit card statement every 2 weeks, but when I saw my monthly statement I found that Capital One had increased my APR from 9% to 17.9%. What really upset me was I am a perfect customer who paid on time. I was furious about that, and spoke to a supervisor and said I was angry. She indicated that she would lower my APR. I replied by saying that I wanted 9% or lower. She answered by saying, "I can offer you 13% and that is all I can offer." I lowered the boom and said, "That’s it, I want to close my account." I will now pay off this card in 4 months and will never do business with Capital One.

In October, I called Capital One and spoke with a representative on the phone who assured me that my account was closed and that any further charges to my account would be refused. Now in December, I have received a bill for $20.62 for several charges from iTunes plus a $10.00 late fee for not paying the November bill! I don't recall making these purchases but after chatting with two different reps, I am being told that I should pay a total of $21.01 and then go for an entire billing cycle with a zero balance before the account will close. They charge me $3.00 monthly for membership so I'm concerned that I will never be able to close this account and will have to pay $3.00 forever!

The teller named Hermon ** is extremely rude. I went to request a letter containing the open date and closing date of my account for federal housing. The teller said they can only give out information of active account and said there is no reason that I need the account closing date. Come on. It's a housing requirement. I made a call to the apartment management office and let them explain the reason to him. Once I handed the phone to him, what he said is "I said we can't. What do you want me to do?" and made faces. After being on the phone for a while, eventually, he asked his manager which he should have done from the beginning. The manager doesn't have any problems giving the account closing date. Hermon **, bad customer service ever.

I had HSBC MasterCard credit card for six years before Capital One took over HSBC. I never had a problem with it and never had a balance on the card. One of those days I went to use it in the store, but it was denied. It was really embarrassing. I called the customer service to ask them about it. The customer service rep could not even find my account at first. Then she told me that my account was closed due to inactivity for 4 months! They closed my account because I did not use it for 4 months and did not even tell me about it! What kind of business is this? About a month later after I made that call, I got a letter from them saying that my account was closed due to inactivity. What a timing!

I called 1-877-383-4802, Capital One Customer Service about my credit card. I called them because there were 2 charges on there for around $20 and the other one was around $46. I told Ann (the representative) about the 2 charges and asked her where and how it was purchased. The representative was super unresponsive that I would rather speak with the automated system instead of her. Throughout the conversation, she only responded with, "I don't know, yes, is that all?" and "okay," and I had to ask her what's going to happen with the situation to which her response was, "I don't know."

When you make a charge, it posts to your account immediately. When you make a payment, they don't credit your account for 2-3 weeks. Customer service says that the 'computer' randomly decides when to post your payment. Now, I have to make my payment 3 weeks early or risk a late fee even if they've had the money in their account for weeks.

My husband is the primary account holder on our Capital One Credit Card account. However, I do all of the purchasing and I pay the bill. After making a large purchase for a Christmas gift, our house phone started to ring. It was a 1-800 number so I didn't answer it. Immediately after the answering machine picked up, my cell phone started to ring with the same number. Not my husband's cell phone (the account holder), "my" cell phone (his wife). The woman from Capital One's fraud protections was asking me to verify a few charges. Let's notice here that "I" was the one they called, and they were allowing "me" to verify. Not once did she ask for my husband's birthdate or his social security number.

My overall credit rating is being lowered due to their credit card. Since they never give credit limit increases, my overall FICO score is being negatively impacted due to this behavior. I have never abused my account in any way. They have admitted that I keep my account in excellent standing. My account is classified that I am unable to initiate credit limit increases. I can ask, but I am always given the same reason - customer initiated credit limit increases are not available for my account. I have had the account for over 2 years, and other than the guaranteed credit limit increase as part of their credit step program, no actual credit limit increase has been given. They have told me that periodic reviews, which are based on my handling of the account and the information in my credit report, are considered.

My 78-year old mother has an account with Capital One as a GM card. She has had this account for over 20 years and has always been a customer in good standing. She has the beginnings of dementia and was three days late with a payment which made her $28 past due. Capital One in their wisdom declined her card for a $60 purchase which considering her history with them I find to be moronic. But what really got me was I called in twice using their IVR system, you know press all the buttons for their recorded message but never get a live person. Not once but twice they hung up on me when I finally get an option to press zero to speak to an operator. I pressed zero, waited, and then got a dial tone.

I have been making car payments. When the payments were late, Capital One would assess late payment fees. The fees accumulated. I paid a car payment in October and in November. My car was repossessed on 11/14/2012. When I called to ask why, they told me $500 accumulated and they picked up the car. Can they pick up my vehicle even though payments were made? They picked up the vehicle three days ago and have already transported the vehicle to Orlando (256 miles away). They say if I want the vehicle I must come up with $500 for the late fees and pick it up from Orlando. At the very least I want my two car payments back. How can they transport my vehicle to auction without notifying me? These are unfair practices. My payments should have never been accepted and I should have been notified that the car was being sent to auction.

Capital One is the worst bank ever. ATM went blank during my deposit. It cut off and took my money. The bank gave me credit and said they mailed me papers which I never got. They took the money back because I never signed whatever papers they sent me. It made all my bills go late and my account negative. Then they charged me fees five times for insufficient fund. When they've solved the problem and admitted they messed up, they only refunded me for three and told me the other two were my problem. I spoke with supervisor Tim, and he was rude and very unhelpful. I will be canceling all my accounts and switching to Wells Fargo after seven years of banking with Capital One/Chevy Chase. Horrible bank and rude employees. Bank somewhere else.

In 2010 I was laid off from my job after 31 years of service. I had credit card debt and had no problem paying my debt until August 2012, when I could not meet the $354.00 monthly payment Capital One is requesting. So in July I called Capital One to see if they would consider lowering my payments. I was told they could not lower my payment because the APR had not gone down. So in September, I called Capital One again. They then referred me to a company called Nova. I contacted them and found out they were a debt relief company. I told them I made the debt and I believe in paying my debt. I asked if they could work with Capital One for me. They told me I would have to give up all my credit cards. I listened and when it was all said and done, this is what they worked out for me - $50.00 membership fee, $35.00 monthly fee and a monthly payment of $854.00.

I have had an account with Capital One for over three years. I would like a lower rate on my current outstanding balance. I am only given pad answers "We don't have a lower rate to offer you." Why we do not have access to this information makes no sense. All of my payments have been made on or before the due date. I asked, "Can you give me information so I can participate in this process?" They had nothing to offer. I asked for a person in authorized address or email to voice my complaint. They had no information to give me. They continued to ask me thoughtless questions like a robot but could not help with my real question in the smallest way.

I am very disappointed with Capital One's customer service line. For one, it's hard to understand them. And 2, my fiancé paid on my card but 2 days later it didn't show it went through. He was having trouble finding out if the money had gone through. They refused information to him. All he wanted to know is if it was on my card. He paid for it! They can tell him! He's not trying to use the card, for crying out loud! And the woman knew I was sitting there - that is my big issue. I know your company has a strict policy and I understand that. It aggravates me that my fiancé couldn't get a simple answer as to if his money is on the card. I had tried to use it at the grocery store, but it was denied. That's another thing that had me boiling! I was left in a bind. He has had the same problem with you with his debit card. He needed money quick and he couldn't take any out. It happened twice. So he switched banks. I don't have an account, just a card, but we will be paying it off and getting one somewhere else.

I sent my security funds of $500 into Capital One three full months ago, and I still have nothing. But they have my money that I cannot afford to just give away. I called a month back and was told that they had an incorrect address, so I went through and verified my correct address with a representative and had him read it back to me correctly. A month passed again, so I called again only to find out that the representative did note the account as an address change but didn't put the new address into the computer like he said he did on the phone. I've just given the correct address to them again, and they are saying now I have to wait 2 more weeks for a verification letter that will be sent back to them and then they will send my card in another month. So they held my $500 of hard-earned money for 4 months with literally no care in the world.

I made a payment on my account yesterday at 4:47 PT. The info I got when I submit my payment was that I will have the money next day. Next day, I check and there is no fund in my account. I called CS and they told me I will have the money tomorrow. They also explained to me that they are working with ET. But my frustration was why they will tell you when you’re submitting the payment that you will have the money the next day and that does not happen. Very poor customer service, the worst I ever experienced. No wonder why the customers have given only bad reviews - 2,770 and rating of one star. This speaks a lot about how much they care for the customers they have.

I was promised a 12 months interest-free credit card with Capital One. I called prior to making any purchases to confirm if the 12 months start with the date of the approved application or from the first date of purchase. The Capital One agent specifically told me the 12 months start from the first purchase transaction (I even repeated back to her so we are on the same page!). So with that information, I made my purchase (which is quite a large sum since I figure I have 12 months interest-free to pay it off).

Here's a copy of the complaint I posted to them on their website: My account gets restricted "fraud protection" because I try to add money using Capital One's own website and the first I hear of it is when the card is declined. There was no email or phone call. No card usage until the origin accounts are verified even though one of the accounts was used to open the account and was used to make a payment. In the long hold-filled phone call to Customer Service, I asked what the process was to remove the additional funds that I tried to deposit into the account and was told that it couldn't be done with the account frozen.

I have been unable to access the Capital One website to pay my bill. I have been paying online for years. I have not made any changes to my computer yet I am unable to access the site. The site has not crashed but I cannot get on. They charged me $25 late fee as a result.

I am currently in Mexico City in the lobby of a hotel because Capital One put my payments toward my credit card on hold. My payments are being held after I went through 2 days of several calls between their customer service and my bank to verify that the funds were transferred. Now, I don't have my bank funds or my credit card, and I will be sleeping in this lobby, hopefully, unless I am forced to leave.

In September, I received a rather rude letter letting me know that my account was overdue and that I was being charged a $25 late fee. I immediately called to let them know that they were incorrect and that I had indeed paid my bill. They informed me that I had paid my bill on the day of my previous statement closing date and that they had applied my payment to the last month's billing cycle and therefore had not made a payment! I finally (after many calls and much frustration) managed to convince Capital One to reverse the late fee. Today, I realized that Capital One actually raised my APR from 0% TO 22.9% (of course without notifying me). Obviously, Capital One does not care about its customers. This is evident by their shoddy accounting, their total lack of customer service and the many complaints listed on this site.

I purchased a car back in September of 2006 from Jamaica Buick using Capital One as my lender, yet I have a contract as well with Chase Bank name on it. The car was $39,941.25 and at the end of the contract, they would have collected $70,183.44 from me. As of January 7, 2011, I owed $15,501.34 which I made all payments up until August 2012 which exceeded the total amount due and Capital One states I still have an outstanding balance of $1,605.91. I would appreciate any help in this matter as I have contacted them about this matter via mail and I got no response except a threatening letter stating that they can repossess my car.

This company only cares about itself and the entirely arbitrary rules it has set forth. The customer service people are entirely contradictory and have literally told me that they can do absolutely nothing and give little information. They refused to escalate my calls despite Capital One's website clearly outlining their escalation scale and policies. I even read the site to them and they told me that no one would speak to me about my issues. I was approved for a card in early July and it took three address verifications being sent to my post office and then back to them. They sent me two cards, one of which disappeared somehow, and they will not activate my card without a PIN. The original PIN they sent me never arrived and now I am nearing three weeks waiting on the second one to arrive. Absolutely ridiculous. This company is entirely for profit and not for the benefit or service of its customers.

I paid this account in full in 2010 and was told my account was closed. However, the credit bureaus are still showing it open and when I filed a dispute, they were told it was open. When I called Capital One, they transferred me to collections who then informed me the account has been closed since 2010. I asked for a written confirmation of that which I still have yet to receive. That was a month ago. They have now sent me a statement showing 0 balance and reflecting a credit limit of $8,800. This is 2 years after the account was supposed to be closed; first statement in 2 years. Still reporting to the credit bureaus that I have this account; idiots.

I recently opened an account to pay my bill online. I was dissatisfied with many of the questions offered for security purposes. Firstly, there are millions of Americans who have no history in their culture of giving middle names to their family members. Also, there are also million of us who have no knowledge of our grandparents. As regards to the name of your first grade teacher, oh really? Many people have no siblings, never been to a foreign country, or never went to a prom. Although no question is inappropriate in and of itself, I believe that more generic questions should be available. Examples could be: what is your favorite color, what is your hobby, what is your favorite food, or movie book, etc. Please do not think that I don't like Capital One because I do. This bank gave me credit when no other one would. I will remain loyal. Thanks for affording me this opportunity to express my opinion.

I received my Capital One secured credit card two weeks ago. I activated it that same day. After that I also created my online banking account. However, when I used my CC for the first time at a store, it was not approved. So I contacted customer service asking for a reason and they told me to give the phone number of the bank with whom I have a checking account to verify my details with my banker. I provided them my banker's phone number. Then they also did not activate my credit card.

My Capital One card was in good standing. I had the protection that was billed monthly to my account. In 2008, my ex-spouse and I had to file Chapter 13 due to loss of employment and separation. I was not aware that my card was listed in the suit for Chapter 13. I went to make a phone payment on my account and the agent said I could not do that because of the Chapter 13 petition. That was when it was brought to my attention for the first time they would not accept my monthly payment. I had the card protection, and got no response when I asked how come the protection doesn't apply to this situation - loss of employment. Now I am without the card completely. They are charging interest, the bankruptcy was discharged and I paid for the protection to not be able to utilize it. I wanted to get my account reopened and paid but no one would help me. Please advise me.

Capital One late fees and other fees - They charge me a late fee even if the payment is made on the due date. They charge card fees, interest, over limit fees and late fees. The balance is only $300, the same as it was a year ago because their fees are always as much or more than my payment. They advertised that I could make 3 lower monthly payments to get current but charged me a $35 late fee each time, even when I made 2 payments in one month.

My stepfather suddenly passed away a few weeks ago. My mother, at the behest of her financial adviser, called Capital One to find out if she was a joint account holder on my stepfather's card or an authorized user. What she found out was that my stepfather has accumulated 280,000 frequent flier miles built up on his card. Unfortunately, she also found out that she was only an authorized user and upon notifying her of this, Capital One immediately closed the account and depleted every single frequent flier mile! They refused to transfer them over to my mother! They did, however, inform her that she would be responsible for the $12,000 outstanding balance my stepfather had on his card at the time of his death.

My credit limit on my Capital One credit card was reduced to 1/3 of what it was without any notice communicated to me. I called and spoke to a customer service representative and they indicated that a notice of decrease in my credit line was mailed to me; however, I never received such notice. In fact, I have my next month's statement that reflects no decrease in credit line. I have outstanding credit and pay my bills on time. This reduction was without notification and is exceptionally poor customer service. I will pay off my outstanding balance and close my Capital One credit card immediately. I will never recommend that anyone conduct business with Capital One Bank or any of its affiliates on the basis of poor credit practices and poor customer service.

Capital One trashed my wife’s credit rating. They reported to the credit bureaus that she was over 30 days late in payment. There was one problem, the balance was zero. How can you be 30 days late with a zero balance? They refused to correct this mistake.

I had Capital One for several years. I was paying for the debt cancellation during that time. I was laid off from my job in 2009 and was told I was not allowed to use my program I paid for! I sent in the documentation of the mass layoff and that I was on unemployment, and for some reason, that was not good enough. So, I tried to settle for a low payment each month and cancel my card, and they refused to work with me! Now, it is still on my credit report. I refuse to pay them, as it should have been cancelled when I lost my job. Now, a $2,000 debt is a $6,000 debt. They will not get a penny out of me, and I bad mouth Capital One every chance I get. - Sincerely, a very angry ex customer!

At the end of May 2012, we received an offer in the mail for our Capital One card that we paid off a couple of months prior. They noticed we haven’t been using our card, since the APR for purchases were so high and wanted us to come back! In this offer, it states we have 0% APR for 12 months, for balance transfers and purchases. To confirm this offer, we made a call and spoke to a customer service representative. We were told over the phone by this person that if we took this offer, in which we had till July 1, 2012 to accept it, there would be 0% APR on purchases and balance transfers till April 2013. So we agreed to do a balance transfer from another credit card, and had no issues.

I paid my entire balance on the Capital One card. The balance did not reflect payment but it was posted to the account. The payment had cleared my Bank of America account and the balance still did not reflect the payment. Capital One credit card policy states that the balance on the account will reflect on the account the day after the payment was posted to the account. I spoke to 3 customer service reps and 2 managers. The first two reps told me that they released the hold on the payment and it should be available two hours after we were off the phone. I checked and the balance did not reflect the payment.

Credit card refuses to lower interest rates on closed accounts.

Capital One is a poor excuse for a credit card company. They have ignorant people call and misrepresent their offers when there are issues to discuss and the late charges. The interest rates are so high and unreasonable that you never get ahead. They offered me a deal that would have put almost $200 into their pocket with less than $30 going toward paying off the account. The supervisors drink the cool aid and the callers that offer terms are ignorant and were hired to be kept that way. Run away when the name Capital one comes up. Run away!

This is the worst bank ever. My advice would be never to use their credit card. I have several credit cards, private and business, from different banks and I never had such problems (fees and interest charges) that I am getting from Capital One.

Although I kept up vigilantly with my account balance and made sure not to overdraft, as well as depositing a large check yesterday, I woke up to find that somehow Capital One bank had managed to summon some pending charges from a week prior and shove them through just moments before my large deposit was approved. This cost me $140 in NSF fees which Capital One will not negotiate with me at all for.

My wife went to deposit a check that this bank has cashed for four years. I was on first name basis with everyone. A new office manager rejected my check and required I open another account if I want to cash it. I already had three accounts. This check was no different than the last four years of checks before. When I refused, he told the teller to cancel all my accounts. The next morning, my funds were on my front porch on the ground. The bank is Capital One branch on 10803 Bandera Road San Antonio, TX 78254. Is this the future of banking systems?

I have received credit card offers from these people for at least 5 years now. My credit report shows clearly all of the times Capital One has inquired into my credit and subsequently sent me a MasterCard credit card offer. I called customer service at 1-888-909-2592, which is listed on the CC offer and chose the prompt to opt out of this offer. I used their automated opt out system numerous times but continued to receive offers from them. I have called the number above again on 6 occasions attempting to make them stop checking my credit and sending me offers. Capital One refuses to stop! My credit report shows many pages of inquiries by these people. I do not understand how it is legal for them to do this in the first place but apparently someone is allowing it. I want them to stop immediately. They have not stopped as recent as Aug. 20, 2012 when I received an offer from them.

First, I asked for a payment date 14 days later, then I got and tried several months to correct it. I even paid $25 for the date correction and they didn't change it. I was told that after 15 months of calling to find out why. I was partially paralyzed and went on total disability and fell a month behind. Do they care? No, but they say if I am current, they can now change the day. What a bunch of lamely educated people they have there. Do not use these people. They make all poor banks look like the best business people in the world. Don't ever have a problem with them because they say the government won't let them help you. Have you ever heard of such ignorance?

How can they do this? They lowered my limit. Now it looks like I have maxed out my credit on this card. This lowers my credit score. This is the second time they have lowered my limit. I have an excellent credit score. I have never paid late. I make double payments monthly. My limit was $32,000, then $17,000, and now $12,000. The reasons: (1) Insufficient pay down? (2) Proportion of Capital One account balance to credit limit too high, because they lowered my limit! This should be a crime in a world where you live or die because of a credit score. How can they do this? What can I do? How can we fight them? Thanks.

I was due to make my payment to my Capital One card and called in to ask about raising my credit limit in order to get a rental car. I was told by three very nice employees to wait until the day that I was going to rent the car and do the payment by money gram then call in and give them the reference number. That way, they could raise my credit limit for 24 hours. I did just that. I called in to give money gram reference number and have them make funds available same day, so I could rent a car to go out of town to get my daughter. I was told the funds would not be available until the next day. I said this was not acceptable and was told by their employees to do what I did. The person I spoke with apologized and said my account had been suspended and there was nothing he could do about it. I told him this was unacceptable as I really needed to rent a car same day and would have made the payment on a Thursday if it was going to take a business day to clear.

I had a credit card from Orchard Bank (part of HBC) for a few years and actually had no complaints. Orchard had been receiving the payment by EFT and posted it the following day (and reducing my balance that same day). Capital One bought the Orchard Bank label credit cards in 2012. All of the sudden I started noticing that my electronic payments each month were taking very long to post. Each month I would see that they received the payment (in my recent transactions) and they didn't reduce my credit card balance for up to 6 days (each month). The money leaves my Bank of America account (my balance is reduced) and the next day Capital One shows that it is received, but waits several days to reduce my balance.

I have had the worst customer service through Capital One that I have ever experienced in my 32 years of banking. Unfortunately after Wachovia was bought out, I moved my account of 20 plus years to Capital One. They have a lot to offer as far as their services, but their Customer Service is absolutely horrible! I pay my bills through the online banking. I have 2 auto loans going to the same place and due on the same date. Capital One took the money from my account the day it was due, but according to them, they actually send an electronic draft. My credit union did not receive one of the checks, so after 10 days I received a late notice.

I opened up one of those credit repair cards in 1998. The credit limit at the time was $300.00. However, they deducted all of their fees out of that amount unknown to me. I took a trip by purchasing a round trip Greyhound bus ticket to Georgia for vacation. We all stopped at the liquor store and my card declined again. Besides the ticket I purchased, I didn't get anything more from them. I was not only embarrassed that my card got declined in front of family and friends, I thought I had $300.00 of credit which was not the case. So when I returned home, the first order of business for me was to contact the company to close my account where I spoke with a Capital One manager that I had insisted on because I wanted them to take off those discounts charges they had added and closing my account.

Here is a complaint I filed to FTC: The Capital One Credit card company advertises and frequently sends promotion checks to customers allowing them to use checks for purchases, cash, or transfers with no transaction fees. However, their system automatically puts on hold customers credit account for trivial/wrong reason. Consequently, customers suffer chargeback for returned checks and fee for cancelled checks even they have never spent over limit on their Capital One credit accounts. On 7/17/2012, I paid $2,000 for my credit line of $2,000. Capital One accepted this payment and my balance became -$90. That meant Capital One owed me $90 and my balance had $2,000 available.

I had a Capital One credit card years ago and closed it for a few reasons: payments not showing up on my card but clearing my bank, harassing phone calls and the minimum payment always going up plus if paid $100 a month, the balance I owed went up. I was paying five times my minimum amount and it didn't do a thing for the balance. I recently learned that my Sears HSBC credit card was bought out by Capital One. My minimum monthly payment almost doubled, they say I didn't pay when I did and they called me today. I am on work comp and have a lawyer for my work comp claim. They demanded to know my lawyer's information so they could call and talk to them about when I am going to get my payment. Are you serious? Hell no! I am not giving them that information. I told them I should have a check sometime soon and I would pay online as soon as my check gets in. As soon as my check gets in, I am getting a loan from my bank to pay them off, closing the card and I am not dealing with them again!

My motorcycle was repossessed by Capital One Bank the same day I brought my newborn son home. I missed a few payments and I thought it was only two payments instead of three that I was behind on. I was unable to make the payments because my family’s minivan was towed for parking tickets from past years. A law change caused my minivan to be booted, which I had to pay $500 to get the van out and used my motorcycle payment money. I had no choice but to use the money. I tried to call Capital One and explain the situation and they were very unhelpful to my situation. I offered to pay the total past due and repossession charges to get the bike back. They said I only have two options, pay in full or settle. Either amount is over $4,000. I feel like something is not right. The manager said to me yesterday that if I couldn’t do either option, the bike is going to an auction.

In order to keep a Capital One credit card, they charge the consumer $5 a month regardless if you have a balance or not. I paid my card off and then all of a sudden I get this letter saying that it’s not an option, either you pay the $5 which totals $60 a year or cancel the card. Capital One is doing all that it can to bilk millions out of money. Their interest rate is higher than other companies and now they are giving the consumer ultimatums. I like to have a major credit card for emergencies but this is gone too far. When I had their payment protection, their process was a piece of garbage - the way that they processed the claims and communicated with the claimant was awful. I feel that it’s against the regulations for them to charge someone to keep a card; they are making billions of dollars off of us. $60 a year pays taxes on a property I own, it buys food, it buys gas or it can go into my savings. With me being unemployed and a student, this could go toward my student loan interest but it goes to Capital One instead.

I'm one of the people that had insurance with Capital One! I became sick and under the doctor’s care and had my doctor write and sign a letter for me to send to my creditors. Because I had insurance on the cards I carried and they were up to date, I sent the letter from my doctor and a letter stating that I was under the doctor’s care and that my husband had lost his job and I could no longer pay because of illness. I did continue to pay the cards for a couple of months. I don't want to lie; I believe they paid on the account for a couple of months but after that nothing. I'm disabled and was at the time (2009 or 2010). Capital One was not the only one, World Finance Bank is another that didn't honor their agreement (but there are a few others), but they did file a bad credit report on me. I had paid on that insurance for 17 months or more but all I got out of it was nasty phone calls.

My payment is due on the 2nd of the month, payment of $96. On the 6th, I received a phone call telling me I was two months late and over my limit by $196. I said I was 4 days late and would hopefully be paying online as I always do by the end of the week and would be paying what was due on the 2nd. The CSR demanded answers to his questions of when, where, how and why not immediately and for the full amount (even though 1/2 of it is not due until August). When I explained reluctantly that I was working temporary jobs while I take care of my father following a stroke and heart attack this May and try to move him to assisted living, there was no acknowledgement of what I was saying.

Credit card payment - Twice, I was forced to use their automated payment system on the phone, because my computer was down. Twice, they tried to take payment out of the savings account resulting in bank overdraft fees and late payment fees. I faxed bank statements showing this and talked with customer service. They told me that because I made the payment over their automated system and did not talk with a live person, they were not responsible for this happening and will not refund any of the fees. I feel people ought to know what Capital One advertises is not what they will be getting.

On 6/22/12, Capital One called me and asked if I had made recent changes to my address, phone number, added authorized user, activated a new card, and charged almost $15,000 on my credit card. I told them no, and they seemed surprised! Capital One told me that on 6/11/12, someone had called and changed my address. On 6/15/12, Capital One authorized a user to my account without ever calling me. On 6/18/12, Capital One activated a new card to the "authorized user" without notifying me. On 6/15/12, Lenovo charged my account $6354.70 to my account and sent out the purchases to an address in Pennsylvania (I live in California.). On 6/18/12, Wal-Mart charged my account for $3699.24 (but I was told that Wal-Mart had reversed the charges about 20 minutes after the purchase because they detected fraud). On 6/20/12, HP Homestore charged my account $4091.54. On 6/21/12, Lenovo charged my account for $4234.70.

I was charged a membership fee for a free membership I've carried for 5 years. It seems, as a cardholder that pays timely, that Capital One chooses to scam money from well-paying customers when unable to charge late fees. Quite disappointing! I cancelled my card immediately and my husband is canceling his own card as well. Capital One refused to reverse the charge. Poor customer service on top of it all. A $39 fee for a $35 card balance.

I used my rewards for a payment of $97 for my monthly payment and was informed by someone who spoke bad English that I couldn't do that on a minimum payment of which I wasn't informed. Supervisor also said the same. I am sick of calling a company and getting someone in India or God knows where. Supervisor couldn't do anything for me so I will be trying to transfer my card from your company to someone else. I want someone in America since this is supposed to be an American company. I couldn't understand anyone and that god awful music while waiting.

Credit Card from 2002 - I recently received a judgement for the amount of $2,000. My bank account was levied and my wages garnished! I have never been served with this court document until a month ago. They have been in court since 2009!

I paid off a Capital One balance yesterday and my bank cleared it. I have an email that states they would credit my account by 8am this morning. This afternoon, the payment still had not posted on my account. I had to call Capital One and the rep. stated she had to call my bank to confirm the payment. Again, it had already cleared. The rep also stated that this would be done for a few more times. This is humiliating. Also the rep stays on the line while you talk to the bank personnel. Is this legal? I will close the account. I was told it would be 60 days before they would return my monies.

I opened a Capital One checking account so I could use the debit card that comes with it in Europe. Capital One does not charge any fee for ATM usage in foreign countries. I received the card a month ago and a PIN shortly after that. It was not explained to me that this PIN number was for online banking only, not ATM cash withdrawals. I went to an ATM here in Pennsylvania to test the card, good thing I did because it did not work due to me having the wrong PIN. Capital One did not issue me an ATM withdrawal PIN number. I called them and they said it would take 5-10 business days to mail me a PIN number. I will leave tomorrow and still do not have the PIN number. Needless to say, I will be closing my account and telling everyone I know to avoid using Capital One. They suck!

Capital One is requesting a 3-way call with my bank where I verify my information, so they can listen to my transactions to remove a restriction from my account, which is totally illegal. They are giving me hell while taking my money; giving me 50 different reasons every time I call and destroying my name and credit.

I had a business credit card with Capital One for about 10 years with rewards. The card was apparently issued under my husband's social and not the business. My husband passed away and I thought I can get the account transferred to my name and have approximately 170,000 reward points also transferred. They cancelled the account along with the rewards even though I was an authorized user and they had my power of attorney on file. My only offer was to open another account and start accumulating points again. What a joke! I could not even donate the rewards to charity. They applied some rewards to a small balance of $800 when I had just paid $3000.

We swiped the debit card on Wednesday, had sufficient funds, swiped the debit card three times on Thursday, still had sufficient funds. On Friday, a monthly charge hit one day early (it normally hits on Saturday, after the paycheck is automatically deposited), overdrawing us. Capital One went back over the preceding days, changed the order in which things hit, so that the small items which had cleared suddenly didn't clear because the large item on Friday bounced. In other words, they multiplied the bad check fees, which wiped out our meal budget for a small family trip we're taking this weekend. Capital One freely admits that there was sufficient money to cover the first four items, and Capital One also admits that those charges were made two days and one day before the charge that overdrew us. Yet, they refuse to refund the erroneous fees (we aren't arguing the fee from the Friday charge). We'll be cancelling our accounts, and I'll be going utterly nuts on Capital One. I'm a writer; I specialize in consumer products and complaints. Hang onto your hat, Capital One.

I had called Capital One customer service to raise a dispute regarding my charge with Priceline. And after literally 4.5 hours, the supervisor Shauna told me that the ticket has a future date and she cannot do anything about raising a dispute. Though Capital One had already billed me for the transaction, it’s a shame that they couldn't figure this out in the initial 20 minutes of the call. Our company has been using Capital One CC for almost 10 years now and we will be cancelling this account and all other Capital One cards this week just because of the poor customer service. We're a small company and cannot afford to spend hours on the phone with not so smart customer service agents.

I just opened this card about 2 months ago. I never received a statement or call until yesterday. Now they are charging me a late fee and I am not paying this and thinking about not paying at all because they have blocked the card now and will not waive the late fee. And that is not my fault that I didn't receive a bill and it sounds like a few others have had the same issue. I have great credit and pay all my bills on time and this really makes me angry that this is happening but the whole point of what is going on infuriates me. I also have not used the card so I don't understand how the balance is what the representative told me it was and I have been trying to look it up online and the website will not work. Imagine that! Something is just not right with the whole situation!

The most incompetent customer service agents and managers I have ever encountered! My company had used Capital One many years ago, which we shortly cancelled because of customer service issues. It took a lot of convincing to get the owner to agree to try them again. I figured they had to have improved to earn the outstanding customer service award that they flaunt on their website. I applied for a business credit card online with the plan to consolidate our other credit cards and take advantage of the 2% cash back. (Good deal, so I thought.). My issues with customer service started shortly after I submitted the application with the request of 3 other cards for our employees. I immediately noticed that although I had given all the owner’s personal info, it did not list him as having a card to be issued. I just assumed that the company owner would be issued a card and therefore didn't add him to my additional card list.

We first heard on the news about the dissatisfaction with Capital One. A good many years ago, we became affiliated with Capital One through Costco. We cannot think of a single complaint. We have contacted them a number of times by telephone and have always received pleasant, courteous service. Recently on a trip to several other states, we received service above and beyond the call of duty. When we travel, we put several hundred dollars on a Wal-Mart card for gas, etc. and charge it to our Capital One Visa.

I will try to sum up my irritation short and sweet. I do not appreciate Capital One. I obtained a credit card for my business as I needed to establish credit. At the same time, they approved me for a personal credit card. I accepted both. I accepted the cards believing they would be easy to manage online with my other credit cards. I accepted them believing that Capital One was a professional bank and would offer professional servicing and good customer service and help me build additional credit.

I was contacted 3 times, once on June 1, 2012, once on June 6, 2012 and then June 12, 2012. I was not informed specifically of what was transpiring with this account. My daughter was an authorized user and had apparently had a check returned in April 2012. They did not notify me of this until June 1. When I received a call on June 6, I asked what was going on and was told that since I was the primary cardholder, they could tell me that the account was not in delinquency. The third phone call informed me finally that the account was over the limit and had been permanently revoked.

I do not know what is wrong with their mailing system. I do not receive statements monthly. Their late fee charges double the balance each billing cycle. What was a $20 charge I was not aware of turned into a $120 balance in short order. They refused to waive the fees. Two years ago, they arbitrarily raised the interest rate even though I paid the balance off each month, making Capital One the most expensive credit card. I closed the account. It is not worth it.

I've had several Capital One credit cards. The company is difficult to deal with and won't give you a high credit line. In our case, $500 and $1,000 were the best they could do. While I do have A1 credit and American Express gave me $10,000 with no problems, Capital One still failed to help. Further, using their online service is a joke. You can't close your account by clicking online "close account". They then tell you to call and an automated machine asks for your card number, SS number and then automatically closes your account, yet they can't do this online or change your address. Yes, it does say you can change your address.

I shop at Bon-Ton stores locally. I pay their bills online. They just switched from using HSBC to Capital One as their credit card carrier (first billing cycle this past month). This past bill was due, but I never rec'd notice that it was. I got a paper bill and realized it was past due. I checked my online alert info. Nothing was changed, so I should have received an alert, as per usual. I called Capital One (CO) and they waived all but $5 of the late charge fee. I argue that I owe nothing since I did not receive an e-mail alert. I got all kinds of apologies, but they still won't revoke the $5 charge. Why? Because Capital One is a very "slick" company that is very dishonest. I dropped my VISA acct. with them years ago because of other deceptive practices. My only "push back" now, as a consumer, is not to use my Bon-Ton credit card anymore, which means, I won't be shopping there, either. Too bad. I hope Bon-Ton wises up!

For six months, I have been making extra payments to Capital One. I am trying catch up on my past due account that I have had due to the fact that I have been unemployed. Every month I go through a very lengthy discussion with your CSM about the fees associated with my account. Although every day I see your false advertisements about Capital One's no fees added, I am monthly and continuously hit with fee after fee. Capital One is just another company that lies to the customers. How can you make claims about no fees on your commercials and yet still continue to make this your obvious policy for customers: once behind, always behind? I sincerely hope that Capital One goes bankrupt for screwing your customers daily!