Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.