Capital One Reviews

This is a very unprofessional company from my dealing - made up of dishonest, ruthless people starting at the top, that is why the CEO hides from his Customers and the Public. He does not and will not face the actions of his company. BE VERY CAREFUL. They will do anything to hurt your credit rating. Look at the complaints files. This company should be removed - shut down just like the BANKSTER of this Country.

Capital One said there was fraud on my account and now I can not access any of my money from checking and savings account. I am still waiting to hear from a Capital One investigator. It has been 3 days. Still nothing has been done and can not get into my accounts. DO NOT BANK WITH THIS COMPANY.

The representatives did everything that they could to delay the paydown so that they could get interest.

I had called to cancel my cards since they have an annual fee and I don't use them anymore since I have cards with no annual fee. The person that I spoke to offered to waive the fees if we did not close the accounts. Thinking that maybe we might use them again, I agreed. My wife and I have 4 accounts with a zero balance that they offered us this on. We called before the due dates so there would not be an issue. Since I had no balance I had no reason to look at the statements.

I opened a Secured Debit card with Capital One. For those of you unfamiliar with secured debit cards its basically only for people who do not qualify for a real credit card due to horrible credit score. So they allow you to deposit your own money and you get charged interest on your own money to build up credit. So I deposited $200 and things were going just fine. A few months down the line Capital One offered me to up my credit to $500. Meaning I have an extra $300 of real credit available and $200 of my own cash in the card.

Buyer beware when online app. for this co. I successfully opened a 360 checking account only to find out they closed it with no explanation. Called customer service. The agents were rude and hung up in calling back and after extremely long hold time the supervisor I spoke with asked all these weird questions. And after all that "Sorry we can't verify your identity." What a crock of you know what. Other institutions will let you know within 60 seconds of filling out an app. if you're approved or not. The manager at Capital One was condescending so do not do business with Capital One. After reviewing many reviews it's beyond my comprehending why they are still in business.

I arrived at an ATM machine at 2:10 PM, 6/4/16. I was there to deposit a $25,000 check in to my business account. After entering my pin #, I received a message that something like: "we're sorry but we will not be able to return your check to you". I stood and stared for about 2 minutes because I was unsure what this meant - since I had not yet deposited the check. After the 2 minutes, I decided to cancel the transaction and nothing happened.... for another 15 minutes, as I continued to attempt to cancel the transaction. I wasn't able to leave the ATM because I was concerned that it would suddenly start to work and someone would come along and retrieve my card.

As a long time customer of Capital One, I've had a problem where your bank has repeatedly overcharged my account just so your company can collect late fees & interest on an account - even when the payments were received (by you) a full week before they were due, but the payments were not posted to the account until after the due date.

My card been declined. I called it in and she asked me 3 question and the cashier was waiting and she said the system is slow and she waiting on the system, I answered them all correct but she said the system refused it. That's why I will have a court order to send me the phone call recorder and all the answer she entered it in the system. It's not my mistake if you hiring people don't speaks English and she entered the wrong answers or having a really bad system. Then they asked me to send them a pictures of my social security and ID and bank statement and that will take them 72 hours to review.

I have had a Capital One MasterCard for a few years now and 3 times my card number was stolen. I called immediately and true to Capital Ones' policy, I did not have to pay the charges. One was an incident in which somebody was buying online and shipping to multiple addresses with multiple email addresses. There would have been additional charges every month for subscriptions and I would have been bankrupt within days. Everything was deleted and a new card mailed out. Also, charges were for an international hotel in Canada and I live in the US. Even though everything was taken care of in the past, I was so worried that I would have to pay the charges that I told the representative that I could provide an ironclad alibi as I was at work.

It's very inconvenience for me waiting 5 days for my CC to be restricted again. I send all the documents and whatever they want to have and still my account is restricted. I talk to their so called customer service person and as for my experience she just don't care if they lose a customer. I understand that this company just want to protect their investment or whatever but if there no customer there know you. So think of it. I might be one but if people asked me about what I experience I will probably say "Don't go Capital One."

On April 4, 2016, Capital One, chose to close my credit card account. They said they are not required to tell me the reason and the only explanation they gave me was, "Past, Present, Pending Legal Action." They also said that they do not have to have a reason. They can close the account any time they want. When I asked what it was they said "Contact your county clerk's office", which I did and there is no past, present, or pending legal action on me at the county clerk's office. I have a paper stating that.

Unfortunately, it gets FAR worse.

I admittedly had an outstanding balance I owed and was in collections. One day I get a letter in the mail stating my outstanding debt was being discharged and that I would receive a 1099 tax form. It did not say why it was being discharged but I was happy but naively thinking my debt was forgiven. I never questioned it until a few years later while trying to buy a house. The lender called me telling me there was something wrong and I better call Capital One ASAP because I was listed as deceased with all of the major credit bureaus. So I call them to find out what was going on. Starting off they were so friendly and helpful telling how good it was to hear my voice and congratulating me on being alive. They were fast to correct the issue notify the credit bureaus. Great right? Nope.

Totally inept, unprofessional and a waste of time. DO NOT DO BUSINESS WITH THESE PEOPLE! They falsely put a fraud alert on my card when I first got it. After 5 calls and sending them 5 forms of documentation (DL, SS card, address verification (2), a utility bill), and being on hold 45 mins each time, they still kept me waiting 3 MONTHS. I finally cut the card up and will be changing banks so I will be also withdrawing my significant savings. WILL NEVER DO BUSINESS WITH THEM AGAIN.

I complained to Capital One about their practices in 11/2015 and at that time told them to close my account and to send me a final bill. They sent me an email detailing the amount due in 11/2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time. But did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what went on. So all their correspondence is one sided basically except for email and the billing notices. People stay away from this bank. Worst company I have ever dealt with.

On or about November 15, 2015 I started the dispute process with Capital One in regards to office furniture purchased and damaged during the installation process. I told Capital One that I had attempted to resolve the issue with the merchant to no avail. The 3 transactional charges exceeded $50000. The dispute department, after I submitted photos and backup documentation, issued the dispute and credited back my account. Then the journey began.

I disputed a large charge on a Quicksilver card. The company that made the charge responded with documentation that contained no names, no signatures and was not on company letterhead. I tracked down the company's address and found that it was a mail forwarding service. The company's website had false names for officers. Still Capital One took the side of this disreputable company and stuck us with the charge. Capital One is okay letting crooks be merchants.

I had a fraudulent charge 6 months ago that I disputed and it took 3 months and 6 phone calls averaging about 75 minutes each to get the fraudulent charge resolved. So I thought... Fast forward 2 months and Capital One decides to let the original merchant charge my credit card again??? These idiots at Capital One did not block the Merchant that was stealing money from me the first time they tried and let them charge my card again. I have 6 credit cards and have had over a 20 year credit history. I have never had an experience like this with not only a credit card company but any company in the world.

When I need a giggle I read ConsumerAffairs. I'm amazed that some others are amazed when banks act like banks, credit cards act like credit cards, ** people act like ** people, etc. "My card would default at 150 days no payment. I paid way before that - 122 days (**) and my account is still locked." You go over 90 days with no payment and you confused they closed your credit card. "I paid my bill like I normally do weeks early, but this time I paid on the due date at 8:30pm by phone, but the cut off is 8pm. I guess I'll eat the late fees. So much for customer service huh..." "I been a customer for 20+ years and didn't get a statement and forgot to pay bill and that charged me a late fee for their mistake and they restricted me using my card until I paid the $25 past due amount. What a sorry Bank." You didn't pay your bill that you knew is due every 30 days when you carry a balance. So you mad or upset???

Naively, I fell for a computer virus scam. I paid $449.00 to a company going by the name of SoftWeak. I find them online as Infotech SoftWeak. The business address does NOT exist on Google Maps, nor Bing Maps, and the phone number to call during business hours always leads to an answering machine with an "unprofessional" message. I have left a message for a call back and Capital One has left a message to call back to dispute the charge. No reply from this "company". Meanwhile, they obtained access to my computer (because of my naivete) and the local computer repair company found malware, keyloggers, viruses, etc. This was a BRAND NEW computer I ordered from Dell Computers... I had yet to use it online.

I opened a credit card account with Capital One in February 2016 for my wife due to their multiple offers with 15 month 0% APR. So, I opened the account and she did a lot of purchases and boom, next month she was charged an interest. Called Capital One and spoke with multiple agents and nothing happened. So next day called again and insisted that I want to speak a with a manager. When I spoke with this branch manager, he was kinda lying that they can't find anything on their system about any offers and he told me that they will do an investigation. And it turned out that they didn't do anything but just let it go for the sake of their company. Capital One is baiting and switching their product and charge interest, and they are bunch of liars, and the manager was rude and disrespectful.

I have been using Capital One credit since 2010 and never even once late on the payments. Last year, they close my accounts for some stupid reason stating "non-consistency of personal and family use" which I was so angry. I even went to their branch to try to get a straight answer, but you got the same saying all over again and they even told you that you could re-apply after 90 days. I thought I was done with them.

My wife has had a Cap 1 credit card for several years, and there have been no problems until last December. Since then they have been delaying depositing the checks I have been sending them for as much as two weeks after they post them to my account. As a result, Cap 1's collection department starts calling me to ask where is the check, and trying to get me to sent another check. April 2016 is typical. On April 3, I made an e-payment through my bank, USAA Federal Savings Bank, to Cap 1 with an arrival of April 13. The due date was April 19. USAA mailed the check to them on April 8. I found out later in the month that they had posted it to my wife's account on April 11. But at about same time the collections department started calling every day asking where my payment was. I told them that they should have received it by April 13, but they said that they did not.

This has been a disappointment from the first attempt to apply for a personal credit card. Went through the arduous task of providing all the required information to apply for a card. I received confirmation that a card would come. It didn't. I called, and they said they never received my information. Had to reapply via phone. Attempting to pay my first bill early, they entered the wrong checking number. It was not my mistake. The correct information was in their system.

So I placed an order with a company, except this company charged me 2 different transactions which were not approved by me. It was after the store hours were closed. So I contacted Capital One Fraud Department, waited 30 mins to talk to someone. The girl told me that she could do nothing until the transaction cleared, and that I have to call back tomorrow when it cleared. I said that I called to notify them that this transaction is not approved and that I wished to dispute the transaction.

Capital One was using a credit tracker formula to give me a number for my credit score. I recently signed in online to make a payment on my account and to track my credit score. Capital One recently changed their credit score program. So when I checked my score this time, it HAD DROPPED by 85 points, which is bogus because my credit hasn't been impacted negatively. When I called a customer service rep and told him about this, he didn't know why the score should have changed so much. Neither do I! Overall, Capital One is just another seductive credit card usurer that preys on those who don't have money. Can anybody tell me why it isn't considered usurious and illegal by the Federal Government for a company to be able to charge 24% interest on borrowed money? I think it is outrageous!

I just got off from one of their "fraud" account managers earlier in the person of David. I am a victim of fraud, notified their bank of what happened, cancelled my card as well as deactivated my online account, submitted all the needed documents twice (although, every time I called them they told me I needed to resubmit the same documents over and over), and yet the issue has not been resolved after a month or so of calling them. They told me, after several attempts of relating the same incidents, that my account will be restricted indefinitely because they needed to get in touch with the person who is the scammer by the way!!! I'm not sure if they know what they are supposed to do or understand the issue at all. Oh well, good luck but I'm done with this company.

Had a scam committed on me and over 450 other people by the same company. I immediately alerted Capital One. They stopped payment initially and then reinstituted it. I was to prove the item was not worth the value that was sent to me, which would be impossible. I showed them in all sorts of ways that this company was a scam. Sent them all of the proof that I could acquire from the web and also my statements was well at 12 pages of other people's complaints. Did not receive anything but the bill. What a ** outfit and on top of it all, then I discovered that they have the LOWEST CONSUMER SATISFACTION AVAILABLE. BEWARE. They are not consumer friendly in the slightest. I canceled my account.

I have credited a sum of money into a beneficiary account holder of Capital One. Transfer was successful, but the holder claims that his account is being investigated by the bank and all funds were seized. Despite numerous attempts to call them and even by post, there has been no response from the bank at all. At a minimum, professionally, they should have at least attempted to reach out to me since I was the one that the funds were being transferred. Voice calls were useless as they would not entertain me since I am not their customer. Numerous mails sent by post went quiet. How could anyone have any trust with banks since no one would bother to explain what is happening? At the end of the day, every single penny is hard-earned and for this to just vanish into thin air is very painful when all I did was to comply with the procedures of transferring funds internationally.

I opened this account with the intent of adding a "Just In Case" standby for incidentals. Little did I know, I would go through trouble with the account just 1 1/2 months in! Making sure I don't go over 100.00 total with a Credit line of 500.00, I spent 92.00 total in my second month with this card. Keeping up with all of my financials and making payments early, as my due date for payment was May 8th, I made the payment at 8pm on April 20th (2 weeks early) which is a practice I use on all of my credit accounts. Well since I had a little overage, I decided to round up to 95.00. What I read in the agreement was that monies submitted after business hours would post the next day. Ok, that's fine. I know my money is in the account. So came 1:30pm April 21. No posting!

Never ever bank from this company. In fact, they should not be considered a company with their lousy employees. Do not bother faxing them documents because every time they will tell you they did not receive any documents. More surprisingly, they will tell you they received the documents and tell you one month later that they did not get any (of course, you will have to actually call the office because they never notify on anything). Do not bother waiting for a check to be delivered because there is going to be some kind of miscommunication between departments in Capital One. Their employees are clumsy as it can get. I cannot believe they have not been fired yet. Shame on you, Capital One. I am looking for a lawyer to sue your miserable company.

I have been with Capital One for a long time and was always very satisfied with them until recently. I received a letter from the IRS stating that we owed taxes on a settlement with Capital One. We never had a settlement at all with anyone and, while Capital One confirmed it over the phone, would not send anything to the IRS stating that they sent that under the wrong name. I have spoken to them many times regarding this and was promised calls back within 24 - 48 hours, which never happened. Canceled all my credit cards and will not do business with them anymore!!

I was a loyal customer of Capital One credit cards. I have an excellent credit score and have maintained good relations with all my creditors for 20+ years. My issue is when I moved, they cut off my card. They tell me a story about a "severe fraud issue" where someone called into the account pretending to be me and "knew the secret questions". To validate who I was, I needed to provide 3 forms of ID (license, SSN card, and 3rd form of ID). I don't have a SSN card so they tell me the only way to re-instate is to validate with a 3rd party bank. I go there, have my personal bank call the card company, they call back at the branch and ask for me, etc. to do the validation. They verify I am who I proclaim. To "prevent this" going forward, they give me a code to give them.

The credit card didn't help me much but I paid a lot of money for interest rate etc. Finally thanks God I closed it. Will never work with Capital One.

I have had several checking and savings accounts with Capital One for years. As our 6 kids have gotten older and needed the services of a financial institution we have helped them open their accounts with Capital One as well. I have owned several businesses and did all my banking with Capital One. Now we are medically retired and have closed all our credit card accounts and was only using check cards. During one of our visits to a Capital One Bank to replace our check cards so that we can combat fraud by getting new numbers on occasion we were asked if we would like to apply for a credit card. I initially refused but the bank employee persisted. I reluctantly agreed after I was informed about the cash back option if I paid my mortgage with the card and then paid the card. Everything went as planned for the first months payment from the home computer once we had help setting it up through Capital One customer service.

Capital One I closed and straightened out - even have a confirmation # of closed account. I never signed a agreement for them to take my money for payment protection on the initial $500 - credit score says still open and $ of $2,000 available - But it's still active a Mastercard. They took over Boscov's and still harass me. I closed it out the Boscov's account - it is always due on the 28th - I only use the account mostly for christmas. They keep doing the same thing - No closure of account and they keep racking up late payment fees on account and argue with me. Also care credit - OHIO for family dental in cherry hill NJ - I paid off the account. Sister and Mom said they would pay - I got the statements late - You know what I mean! Never got a payoff sheet to send in to straighten out my credit issue with them!

I have had a Capital One account for over 15 years. Just recently I was told there was fraudulent transactions being made on the account. We have checked the account and there is no new charges for years. Of course we are paying it down slowly. Very slowly. The customer service person that I called, insisted I give her some specific information, i. e. last four of my social, etc. I gave some info then became very suspicious and told her I would not tell her any more info until she told me what the "fraud" consisted of. She would not tell me. I have come to the conclusion that this entire exchange was just a ruse to get us/me to sign up for Capital One's "credit protection" plan. Or their payment protection plan.

After reviewing posted comments I thought I'd add my two cents. I set up bank account information for credit card payment. Initiated payment for two weeks prior to due date. Cap1 emails me stating my bank refused payment because there was no account at my bank with that number. All payment rejections cause your bank account to be blocked from further use, even if the rejection is a Cap1 transmission error, which they seldom admit. Thought I might have entered wrong numbers so went online at Cap1 to resubmit. Cap1 site rejected my resubmission stating no such account existed (which let me know I had given correct account numbers originally because even a one digit difference would have allowed entry of new banking info.)

Extremely disappointing as I have been trying now for three months to combine a Capital One MasterCard with a zero balance with another Capital One MasterCard that has a balance. The automated online process won't allow me to combine the accounts although I meet the criteria stated. Customer Service at Capital One is USELESS. They advise that this is a self-help site and although I meet ALL the criteria stated, I cannot combine the accounts. And furthermore they aren't able to provide ANY additional assistance other than to say "try again in the future". How frustrating!!! Amazing as to how it seems companies respond YET don't answer to their customers' questions.

Capital One agreed to reverse a total of $66.50 on my account due to a problem on their end. One month later the reverse did not occur and they charged me an additional $15.67 in interest and fees. When I called to file another dispute I was disconnected twice and spent almost three hours on the phone. I spoke with a total of 12 different people five of whom I gave my phone number to call me back if we were disconnected. No one called me back. I ended up canceling the card. Worst of all my FICO score dropped because of their screw up. I never missed a payment in 3 years of having this card and yet my FICO score went down as a result of doing business with Capital One!

I recently made a purchase of about $600 with my Capital One Quicksilver Credit Card then attempted to make another purchase of close to $400. It was denied. My wife then made the purchase with her card. I called Capital One and verified my account, then was told my account was good to go again. Within a couple of hours I tried to use my card again for a purchase of a little over $100 at Bass Pro Shop. It was denied again.

I got a Capital One card to rebuild my credit. However, the statements by the company cannot be relied upon. First, some descriptions of the card say that you can add to the security deposit but a Capital One representative told me that their system does not allow additions. Second, I paid my bill in full with a bank transfer. Before I made the payment, I called Capital One and they confirmed that I would have access to my credit by 8 a.m. Friday. On the following Sunday, my card was declined. The representative online and on the phone cheerfully informed me that "Oh, no, you can't use your card until we can confirm that the money has been received". I was 1500 miles from home. And, guess what, Capital One reps tried to call my bank on Sunday and couldn't reach the bank. So, then they left me stranded and gave me a mealy-mouthed bunch of excuses about why they had to talk to the bank.

Since February, I received notification from Capital One there was fraudulent activity on my card and they would send me a new safe card. As of April 3rd, 2016. I have not received the new card. I contacted the Fraud department and experienced the worse customer service possible. Each time, I was told my card was in the mail and to deactivate card once I received the new card. One day, I went to the store and used the card and the card was declined. Again, I was told they would reissue me a new card and reactivated my old card. Two days later, the old card was deactivated again and I still don't have the card. This is beyond comprehension. I spoke with a supervisor today who told they cannot reactivate the card because the new was sent in the mail. I am sorry... but wasn't this done and said previously? Please help!!!

I balance transferred from Bank of America in the amount of $3000 to Capital One. Unfortunately I did a mistake and made the transfer twice. At that point the only option was to ask Capital One to return the money to Bank of America. It is now three weeks past and Capital One insist that they have send the money back to BOA but Bank of America has not received it. So we have requested Capital One to show a complete report to us to prove that the funds were sent to BOA but they are only giving us one number which it does not read in Bank of America's system because the two banks have different system. So now I am stuck in the middle of two banks, one suggesting they returned the funds and one suggesting they did not receive anything. My $3000 is in Limbo land right now basically. No one knows what is the next step. Capital One representative have no knowledge whatsoever!!!

I was contacted by Capital One regarding 2 suspicious charges on my card that occurred on 3/24. One was for dining for $6.34 and the other for about $32 at a gas station. I called the fraud department to advise the charges aren't mine. They say they will cancel my card and reissue a new card and open an investigation. On 3/27 (Easter Sunday) I notice a charge for an access fee on the new card that I have yet to receive and activate. They say they will cancel that card and reissue a new one.

I have a Capital One card as my secondary credit card. Despite the negative reviews I've read since becoming a customer, I have had no problems to date. Easy to activate, regular clear statements and when I lost my card, they couldn't have been more helpful and polite, checking with me my last known purchase. I received a replacement card promptly and again, very easy to activate online.

My fiancé and I each applied for a new credit card and added each other as authorized users, her with Capital One and mine with another company. Well we get the cards and cannot activate because of fraud somehow. So we do as directed and upload State ID, SS card, utility bill. We threw in passport, blood donor card, library card and an extra utility bill just to make it count. Well 5 days later still not able to use the cards that we applied for because of a vacation. We leave for in 2 days. The fraud department cannot even tell us if they have received the documents.

No wonder they have a one star rating. After I opt out receiving their advertisement on a bi-weekly basis, they still send me junk mail. They're desperate.

I approved for Capital One MC with $75 deposit. After that I received a letter for going to the post office for verify ID then I waited for my password but didn't come. When I called to ask about it they told me "you have two DOB" which is not true. So I ask to return my security fund $75 and now still 3 weeks I didn't get it.

At some point in my college career I was offered a credit card for college students. I accepted the offer and have been a Capital One customer for around three years (give or take). I've never missed a payment and until recently I've always been able to pay more than my minimum. However, around Christmas each year I was given a significant increase in my credit balance. Being a student I already have many other fees I worry about (tuition, books, my mortgage, etc). It is my fault for getting the card and then using it.

I got a flier saying that I am eligible for Capital One credit card. It's been more than one month. Didn't receive my credit card but received the statement. When inquired, Capital One responded saying that the address is improper. Very improper communication.

I applied for a Capital One credit card a Quicksilver. When I tried to activate it they said it was on hold for fraud. Suspicious how is it a suspect of fraud I just got the card. I didn't have the chance to activate it. This is bs... I cut the cut up. Don't fool with these low down **. Get Chase Slate Card.

Trying to change my address to match all forms of my ID. Have called Capital One every single day, faxed items requested 3 times, and still no resolution. My card has been placed on hold and I have been placed in the fraud dept. I made one purchase for $19.99. Now I can't do a thing. Not even return the shoes. I have done EVERYTHING that has been required. I have kept a log of the date, time, person I spoke to, and a synopsis of the conversation. It has been a disgrace the way I have been treated. At this point, all I want to do is return the shoes and put this ordeal behind me. I am filing a complaint here, with the BBB and will contact my attorney for help. Luckily, I am not a child and I keep excellent notes.

My daughter opened (well has been trying to open) a Capital One 360 Teen Checking. She was so excited about having her own account! We went to our local branch to open her account on a Friday and we were told by the local representative to go online and open the account. There was no instruction or assistance, just a "no need to be in our branch" attitude. So we took her three checks and went home. I went online and tried to open an account and had nothing but trouble with the online product. I spent time with a representative on the phone trying to get my daughter's account open with no success.

I have been singled out by this company; after verification approval while out doing family shopping out my card was block again because they felt it wasn't important to contact me to voice their concern, prior after payment. It was very stressful using the credit not knowing after two purchases when they will place a security suspected hold. I also encountered a lot of customer service representative didn't speak English very well, nonprofessional. I requested to speak with the above English speaking command person half the time I called Capital One. As Capital card holders we was validated, threatening, discriminated against, and hung up on along with faxed documentation. After countless times over a 90 span and locked account, and unjustified excuses by Capital One, my wife and I decided to discontinue their service after paying the remaining amount due.

I have two cards from Capital One. I have always paid balance due on both in full earlier than due date. 2 months ago I changed banks and informed Capital One about the change over phone and online along with new bank info. I deleted old bank as payment source. Lo and behold the payments I made early and in full were sent through the old bank which they returned back to Capital One. The old bank charged me $35.00 for each returned payment ($70.00). When I seen online what Capital One had done I called customer service and was promised that it would be made right.

The double charge was due to the cancellation of a return flight from Phoenix for my wife and me by American Airlines, when all that was needed was a change of a flight to Phoenix. After an attempt to resolve this double charge for tickets with American Airlines, by phone and by letter, I contacted Capital One Visa. Capital One requested, in a Feb. 23, 2016 letter, a written explanation of the problem, along with a copy of the letter to American Airlines, by March 14. This information was sent by me to the Transaction Support Center at Capital One Visa in a Feb. 27 letter. I received a letter dated March 4 on March 10 stating that our letter lacked all of the previously requested information needed, and that Capital One was reapplying the charges and closing the case.

AVOID THIS COMPANY AT ALL COSTS! Over the course of my 6 month relationship with Capital One I have had issue after issue pop up. Each time they admit to poor communication internally and with me, but they refuse or are unwilling to resolve any of the dozen issues their ineptitude has caused. They finally sent me to "Brian" at the "Office of the President". They always touted the title like that alone should impress me. Only results impress me and I got none. The degree at which they have abused my trust and constantly lied to me is criminal. At the end of it all they've taken out double payments without my permission, called me multiple times for disputed claims, and made promises to return calls that never came. I'd rate them a 0/5 stars if that was possible.

On June 20, 2015 I called Capital One to close our account. We paid our remaining balance by phone, closed our account, and cut up our card. In October, we received a call telling us our account was past due. Concerned, we called back and were informed that “due to a system error” our account remained open. Not only did our account remain open, it was now past due as the result of monthly recurring charge set up against the account. Upon calling Capital One, they were very helpful, apologized for the mistake, reversed all late fees and finance charges and also indicated that the past due would not go against our credit record.

I received my credit card just a week ago and I have tried to activate it and it's telling me that it has fraudulent activities on my account so I called them so I send them in all my information and these sucker going to tell me that I need to have my bank call them with my account information. Now I remind you that the card isn't activated at all. I highly recommend that no one deal with this company because something isn't right and I clearly told them that I don't want their card nor their business and I want nothing more to do with this faulty company. They should be out of business.

After contacting corporate office, they apologized for the inconvenience and my card was ready to use again immediately. Thanks for rebuilding my trust.

On 2/18/16 I called to pay off the balance on my credit card of $3400. The representative took down the routing and checking account numbers of the bank account I was using and issued a confirmation code. My bank said the funds would be available by midnight the same day and I thought all was well. On 2/24 I went online to look at my bank account and lo and behold the funds had not been taken out by Capital One! What the heck! I called Capital One and they said the bank would not honor the withdrawal request because the Cap. One rep had said it was a savings account and my bank said they had no record of such a savings account... which was accurate as it was a checking account. I got on a three-way call with my branch manager and a supervisor at Cap One and the manager raised my daily withdrawal limit to cover the payoff amount which the supervisor heard.

I had an account with Capital One; which I paid in full in 2010. I called them on the phone, received a payoff amount; which was good for 10 days and sent them a check that same day. A year later I found out that they added $94.00 to my account and had been adding interest; which now I owe them around 300.00 dollars and has been on my credit report for the last six years. I would not get a card with these people as they only care about their profits.

My husband applied for a Capital One card to hold his credit further as we were hesitant because of the credit card sales pitch: you've been approved!! Well after tearing up several notices he decided to go ahead and apply as a way of extra income for the house. Well he was approved for $300 with an option to increase his credit after a few on time payments.

I was not helped by Capital One in resolving a dispute relating to a taxi ride from Pearl Harbor, Honolulu, HA, to a hotel in Waikiki, Honolulu, HA. I hired a taxi for 2 people at the Pearl Harbor Memorial taxi staging area, where you wait in line for the next available taxi (also waiting in a line at a curb designated for taxi pickups). It is approximately 12 miles, and usually takes about 30 minutes to complete the trip. When we arrived at the hotel to settle the charge with the taxi driver, I checked the amount, but neglected to notice that the amount was incorrect by one decimal point (it was rainy and somewhat dark at the time). It should have been $48.55, roughly the amount charged by a taxi company for this trip. I was charged $485.54. This is a math "error", and I disputed it with Capital One under my rights per the Fair Credit Billing Act.

Card barely ever works. Seems to only work 7 days after paying off the entire card every month paying for groceries or ordering on Amazon. Declined, declined, declined. Three times now I've order on Amazon Thursday night and should arrive on Saturday night but it's always decline. Get your ** next week.

I have have had 2 Capital One credit cards over the past 20 years. The original card of many years had only a $400 credit line and they refused to raise it over the many years, while at the same time I had a newer Cap One card with a big line of credit. It made no sense. So I closed the one card - which was of no use to me as I travel internationally quite a bit and I could not even book a flight with the card! My remaining Cap One Quicksilver card which I still use and have been happy with - their customer service was always very helpful and they did a good job monitoring for fraud. But today I decided I wanted a card, a better travel card with Cap One which would also include air travel, so I decided to apply for the Venture One card. I don't pay yearly fees for a card unless there are some good perks as with my Marriott or IHG cards.

Not only the credit cards have annual fees and the one who doesn't has high APR. The first agent didn't tell me anything about processing transactions or reward, so I got hit 30 later with a late payment fee. Then the second agent said will issue a refund, and when they transferred me to the rewards department, the agent told me that was not true. SO 2 agents 2 liars. I asked to speak with a supervisor, so he did, and guess what??? The supervisor hang up on me. Well I just created this account to share my experience. Stay away from Capital One. I was a customer for 3 years, not even one single late payment and this is what I get. Is ok.

I was offered a card to help rebuild my credit and activated the card on Saturday February 13th and I decided to check and make sure everything was in order with my account this evening and a good thing I did. I got in big red letters that my account was closed. I did some digging on the restriction number and apparently they close it for suspicion of fraud. How can it be fraudulently used when not a single charge or deposit has been made? I'm really at a loss. This is helping me rebuild my credit? Approving me and then disabling my account. Thanks for the additional negative remarks on my credit history. I'm very disappointed.

We don't have any problem. They make all the transfer without any problem. They made it in a minute and aside from that, they have a good and well informed customer service. Especially in their branch in Cresskill, NJ and the teller that help us professionally everything. You can count on them especially to ROSEMARY. Thank you.

I disputed a charge and the merchandise gave some documents. I wanted to respond but have to do it by direct mail! Not email not phone, mail. Worst credit card ever!!! (BT none of the customer service representatives speak English.)

Rate my experience? I see the stars, but where are the little ** to the left? I recently maxed out my secured card limit to the cap of $3,000 on December 28th, just before the policy change that eliminated the additional deposits ability. I had to make several large deposits in a short period to achieve this in time before the change. So, about 10 days or so after every deposit I called to verify that everything was good, and never received a bad report back from the Capital Accounting department with whom I spoke. I verified that each of these calls were recorded and are reviewable. I also received a letter each time indicating that my limit was increased. This was the end of December (2015).

Hard to believe asked 3 mgt the same question, got three different answers. While they were socializing while customers waited. Then the mgr was to send a bank wire and he couldn't fill out the form and submitted it late receiving penalties for the client. What a poor job of CUSTOMER SERVICE. Shame on you Capital One.

My account with Capital One was closed about 10 years ago. It was paid in full at the time. Today, I got a notice from my employer that I have a garnishment from Capital One!!! I do not have an open account. When my account was closed, I got a letter from some offbeat attorney in Richmond saying that I owed about $200. I asked them to provide me with a list of charges to account for this amount as my account was paid in full. I never heard from them. That was 10 years ago!!! How can they NOW come back and garnish my account without any notice to me? I have no right to representation? Very dishonest. Avoid at all costs!

I requested credit letters for both of my accounts. Received one the following day, through secure messaging on my account. Called 3 days later to check the other one. It was never sent to whoever handles the letters. And was told they only fax or mail. Will be closing these accounts soon.

I signed up for QuickSilver rewards card in December under the premise that there would be a $100 bonus if you spend $500 on it. Well I did so on the first month and I thought it would be credited on my account after the first bill has been paid. Nope, it wasn't. I contacted the chat representative and he told me I didn't sign up for "the bonus" because it wasn't a rewards card. Really? QuickSilver Rewards is not a rewards card? The card that had multiple advertisements left and right of the website stating there would be a $100 bonus if I spent $500 in the first 3 months of membership. He insisted it was the wrong card. Feeling offended by his blatant ignorance of English, I quit on the chat support and left them high praise for their stonewalling.

I used my Capital One card as a business card. My business did quite well. I spend NEARLY $300,000 in 2015 on my Venture card. I was never late. So Visa made no money off me. But I sure made a lot off of them! I racked up HUNDREDS OF THOUSANDS of rewards miles. Long-story-short, Visa finally had enough. They recently locked my card. Because they can't make money off me, and in fact, are losing money. Because I use their card a lot, and I always pay on time. They only want customers who can't pay, so Visa can make money off them.

I purchased a cashier's check from Capital One in the amount of $3,515 and then had to stop payment on it. I was told that the payment was stopped and my money would be refunded. They then called me and told me they could not stop payment on the check and I need to return the check to the bank to have my money refunded to my account. I did this and deposited the check into my account. The check was then rejected due to there being a "stop payment" placed on the check. When I called customer service they could not explain where the money went since the check was cancelled the money "should have" been refunded.

The following is to make people aware of the abuse and level of professionalism from Capital One and a true David and Goliath story. First let me express that I understand procedures. They are placed in an act or a manner of proceeding in any action or process; conduct a particular course or mode of action, any given mode of conducting legal, parliamentary, or other business, the sequence of actions or instructions to be followed in solving a problem or accomplishing a task. Being that said that has not been the case with what I am about to explain.

I went to use my Capital One Quicksilver Visa credit card today and it was declined. I then tried my Sparks card and it also was declined. I called Capital One and they said my account was closed today. I asked why since all my payments were on time. They had to transfer me and the person I talked to could only give me a vague answer, say that my usage was not consistent with household usage. I told them the other card was a business account. They said it didn't matter. I've always paid on time. They have a very poor way of doing business. Glad I wasn't on vacation or something and got stranded because I was using their credit card.

I have several Capital One cards. Never late. Credit has jumped over 200 points in 6 years. I have tried a few times over the past 2 years to try to have APR lowered. They are consistent at telling me that there are no current promotions or offers to lower my APR at this time, but they have other credit cards that offer a better credit rate than where I am at now (19.9%). My credit rate is at 796. When I first applied, it was at 600. I was ecstatic to get their card just to rebuild my credit again. I have other credit cards that consistently work with me each time and lower my APR regardless of how often I use them. FYI! Capital One only takes advantage of the weak. When you get better and stronger, they deny working with you anymore. So I will be cutting up my cards.

Applied for credit card and got accepted. Sent copy of my passport next day as could not input it on application because it was at home. Credit card pin and card arrived. Rang to activate it, here goes: Spoke to Capital One, he told me the account been closed as they had not received copy of my passport. I told him I had sent it and he put me on hold for 5 minutes. He then came back and said that they had received but the picture was not good enough quality. NOT once did they try to contact me by phone or email. He told me I had to re-apply. At that point, I told him not to bother and told him how shocking their service was. He really did not care. Why would I want to re-apply to a company who is this incompetence at the outset? Avoid at all costs.

I made a mistake and customer services were exceptionally helpful. I'm relatively new to Capital One but they have been great. People shouldn't blame the company for their own mistakes? If you go over your limit or pay late etc you can't blame them? Great company and helped/helps me when having hard times? Can't thank them enough and would highly recommend.

A bit of history. I currently have 2 cards from Capital One. My longest standing card has been open for well over 10 years! In that time being a customer of this company, I have never had a missed or late payment or gone over my credit limit. I carry 2 other credit cards with significantly lower interest rates and higher credit limits.

I received a check from American Apparel from Capital One and guess what? No one will touch this check. It isn't worth the paper. It is written on no check. Reader can read it and no one will take it.

I've had a Capital One Platinum card since the mid 90's. Never had a problem charging with it, but they really stick it to you every way they can. A few examples: once they received a payment late because of a bank error, no fault of mine. I spent a couple hours on the phone with both my bank and Capital One, they both declined to speak to each other directly. In the end, nothing got resolved, and I ended up with a late charge AND an APR increase!

I enrolled our company in Capital One's Business Credit Card program. In order to activate the cards I called the 800 number noted on the sticker. After the first call which consisted of being transferred 3 times and then being put on hold (I hung up after 8 minutes) I called back and was transferred twice more then a very rude service provider who argued with our company's owner and then hung up on him. We've decided to cut the cards up and not even try to activate them. No need to open an account with a company who couldn't even activate its own cards without a struggle. We never got far enough in any conversation to have a reference number for this issue.

My spouse is serving in the military and deployed off and on. I am in charge of the finances. We paid off three Capital One cards on my spouse account due to problems with them not adjusting interest rates. When faxed the info asked by the company also because we had always paid on time and never got any credit increases and were told we never would. They did take care of that issue quickly and nicely refunding the finance charges. During the holiday time we decided to used one of the Capital One cards with no balance. When we did it was denied. We called the company and found out all three cards were closed due to inactivity and the company never informed us they were going to just close them.

The following is my opinion based upon actual experience. Addressing a problem is similar to 'one step forward' then 'eight steps backward'. All personnel are undertrained, inexperienced, and convert simple problems into major problems that always take dozens of phone calls and hours devoted to complete resolution. They tell you one thing and then do another. They lie when it is convenient. After weeks of 46 phone calls and appx 7 hours of my time, I closed my accounts, they even screwed that up, failing to close my online/bills pay account, so more problems with returned checks due to their failing to close my online acct. If you want these kind of problems and enjoy dealing with incompetent people, this is your ticket. My replacement bank which I will not name, has done everything correctly, all communications are exacting, precise, and without additional problems. Everyone answering their phones are skilled, trained, and polite.

I am severely disappointed as to how poorly Capital One has recently treated my matter with regard to an honest mistake in a real life situation. Been a good standing customer with Capital One for few years. Never had a single late. Always paid my entire balance with each payment. In March of 2015, I had reported a lost card. I was told a replacement was to be sent within a week or so. As April came and went, I didn't remember to follow up with Capital One since they've never sent a replacement card. I also, that month of April didn't log onto my account to make a payment because I had not made a single physical charge all month.

I was not aware that my closed. I got no letter anything in writing. I always loved Capital One Bank. I have been with Capital One Bank a long time. I paid 100.00 to my credit day as of 1/07/2016. I was told by customer service rep. card been closed since Nov 2015. I got no statement other than what I need pay to put my account in good standings. I know I gone thru a lot but to think someone would close my account without no prior knowledge. I just don't get why.

I have been a credit card holder with Capital One (CO) since 2008 - nearly 8 years. I have a credit score over 700. I haven't ever missed payments or made late payments. Every month I pay an amount above the balance due. Some months, double the balance due. In October, I paid nearly $550 on the account. I have been trying to receive a credit line increase since August 2015 after realizing that I have had the card over 7 years and have only received one increase of $500 back in 2011. My other credit card has a $13,000 limit. Both requests were denied. I received letters stating the reason as "your average monthly payment has been too low," which is false.

Capital One is a horrible company. They lie to anyone to get the attention off of themselves and onto the consumer. My credit report is showing 5 late payments, 1 60 day and 1 90 day. I disputed this information with Capital One and the credit bureaus SEVERAL times. Every time I dispute it with the credit bureaus they tell me Capital One is reporting the late payments. So I contacted Capital One, more than 10 times. Every time I ask them to confirm that my account has no late payments nor does it have a delinquent status they do so and I print out the chat if it's online.

I closed my account w/ Capital One early November 2015. I called for 5x. Each time I was told it will be mailed. Thanksgiving has passed. Christmas has passed and New Year has passed - still no security deposit sent to me. Last call I made after Christmas 2015 to a Capital One supervisor - they will electronically deposit it in 2 days. That call was 12/28. It's now 1/4 and still no check in the mail nor electronic deposit. I don't owe Capital One any money but they are holding my security deposit for no reason for over 30 days now unable to explain to me why I could not get my deposit back. Is there any way these people give my money back to me. Are they legally to hold the money for no reason?

2 fraudulent accounts were opened under my name. I've been a customer for over 6 years. First of all doesn't it seem odd that 2 accounts were opened in my name within a month of each other? I thought credit card companies have better fraud tracking. My other credit card companies reach out to me if I buy at a store that I don't usually shop at, but Capital One NOPE!

I saw an ad for a Capital One Spark Business Card with a cash reward of $500 after you spent $4,500 in the first three months. Instead of the $500 I received $250 because they said that was the offer at the time. At the time I took out the card I saw the online ad for the $500 cash reward and applied within an hour. Make sure you apply talking to a person and not online and verify the terms. Have them send you a confirmation.

Capital One allowed an online company to charge my credit card without my authorization and after my explicit demand that the company cease charging me and that they cancel my account. The online company claimed to close my account but, in fact, did not, and they continued to charge my credit card up to $2000. Capital One refused to block payment to this company when I asked, which would have solved the problem. They said I could file a complaint to have the charges reversed. So I filed a complaint with Capital One, and, at first, Capital One credited me for the charges, but when the online company countered with lies (which I refuted absolutely with written documents showing I had ordered them to stop two months earlier), Capital One cancelled my credits and charged me in full.

I have been using their cards for 5 months now. I was told after the five months that they would increase my credit limits but I could ask for increases before then. I have met all of the requirements for the increases and have never had a balance on any of the 2 cards I have with them. I have been denied with reasons that not even the representatives can explain. If your credit limit does not exceed your weekly paycheck then there is something very wrong.

I was on hold for 7 hours to report fraudulent activities on my credit card. I have had this card for some time and it used to be a very decent customer service. Not any more. They outsourced it to Philippines, even their fraud department. They became absolutely shameful!!! If your credit score's high, there is no reason to have business with such shameful company.

I am telling you guys do not bother with Capital One credit card. They are liars and no one speaks English. I told them to cancel my bank account that was connected - they didn't and it came back. They are a horrible company to deal with and even if you make your payments your amount doesn't restart. It is only the amount you paid which is not what I was told when I originally got this card. I can't stand this place. Don't waste your money on them and not to mention all customer service is rude as can be.

About three years ago I was offered a Capital One banking card. I was given a limit of at least $400 to start out with and diligently spent that limit up each month in full and paid it off in full so that maybe my credit line would increase and it might boost my credit score. Everything was going so well but I did call customer service at least twice a month to make sure I was paying on time or slightly before the deadline.

I paid my balance in full. I called to cancel my card. They said not a problem. Still fighting this company after 4 years. They charged me late fees ever since. I've been to court several times with them losing each time. They hire different attorneys to take on this outstanding bill when in fact they had received my final payment in full 4 years ago at which time I cancelled the card. They continue to harass me. They won't leave me alone. Don't ever open a Capital One Credit Card. They will continue to collect funds from your bank even after you've paid them off. I'm now working with the credit bureaus.

48 hours after I posted this complaint Capital One contacted me and we were able to resolve this issue. Thank you, Jonathan, for all your help with the matter.

I ordered a pair of Oakleys and a six-month subscription for hot sauce of the month club in November of 2014. Both orders went smoothly. Granted anything you order from their rewards takes almost three weeks to get, but the orders were within the allotted time. I asked for a return slip for the Oakleys twice and it never arrived (eventually sold them on eBay). I ordered two new cards in the fall of 2015 (with the chip) and they never arrived. I confirmed that they had the correct address. I then ordered an Amazon gift card with my rewards in November of 2015. It never arrived.

In July 2015 I paid off my Capital One credit card. I clicked the button that is for paying off the card so once the payment went through I didn't look at the account again. I never used the card and didn't plan too. Now, four months later I checked that email (it's an old one I rarely use) and they say my bill is due. I noticed the week before that my credit score has seriously tanked, and I thought it was from a mix up with my husband's bank and another account. It turns out when I paid off my account, it left .27 as a balance and they have been reporting that I haven't paid my bill in four months and were charging me $43. When I contacted customer service, they tried to argue the point but eventually got rid of the charges.

Opened the account with a transfer from a linked account. A transfer of funds is as good as cash. They put a hold on the funds for an extended period of time even though the funds cleared the linked account the next day. I spoke to supervisors every day for a week. Got nowhere! I wrote a check off the account and deposited it into another account with a different bank. The check showed cashed with a copy of the image with the Capital One 360 account but they also rejected it on the same day! I called 3 times, spoke to 3 Supervisors.

I called in to check on a payment sent to pay on my Capone Visa & MC. I sent these payments via 2 day priority and tracking states that the payments had been received my Capone. I called to inquire the status of the payment and the first representative passed me on to someone by the name of Kaia, who introduced herself and a senior status customer service employee. She said that she worked out of the Chesapeake, VA location. The so called senior person was rude, short, curt and talked over me again and again.

Credit card expired since July. I call more than 2 times still not have the new credit card like what they say in your wallet. By now nothing is in my wallet

My husband's ex-wife received a credit card in his name (Capital One) and used it to make purchases. I called Capital One and asked them to cancel it. My husband is no longer living and this was obtained without his permission so I want something done about it. To me this constitutes fraud.

I recently noticed a fraudulent charge on my credit card. This card has only been used to pay off a credit transfer and is not used. It would seem that Capital One has a fraud issue as my card information could have only been gotten from them.

Received a check from a customer, which was a Capitol One check. Upon going to a Capitol One bank to cash the check, I was told by the teller that Capitol One has to charge me $7.00 for cashing the check because I was not a Capitol One member. WOW!!! No wonder I'm not a Capitol One member, with policies such as these, nor will I ever be a member of Capitol One. Now, being the owner of a small business, I made a company policy to not accept anymore Capitol One checks for services rendered.

Credit card customer service refused to remove fraudulent charge to card for a significant amount of money three weeks before Christmas causing a delay in Christmas present purchases. Representatives were rude and one actually told me he could not tie up the line trying to resolve the fraud issue. Lastly, I was told federal regulations prevent them from correcting a fraud situation. They compared Capital One bank to Burger King and said they are required to give the benefit of the doubt to a fraudulent merchant charge. Terrible attitudes and condescending.

We recently had 3 credit cards through Capital One. One was secured with my own money. Two were unsecured. Capital one closed all three of my accounts. They closed my secured card 1 day after they received my check to increase my credit line. They added it to the account that had a positive balance already and still have not returned any of my money. They are thieves and liars. My GM BuyPower Card was closed the same day they sent me a letter saying I have a perfect payment history and they are increasing my credit line. I went to check out my balance online and the account was closed.

Sent me a card without me filling out an application! I had a Capital One account years ago. So I thought they were when I called them. They started selling me on the benefits of their card instead of apologizing and getting it cancelled. That made me think that they just do this arbitrarily. I am currently still on the phone with Capital One Fraud department. They are located in the Philippines and really could care less about fraud in a country that is not theirs. I have spoken to a Gabriela and her supervisor who both think it is now my job to get a credit report. I disagree. It has been 45 minutes on hold listening to soothing dentist office music. Capital One outsourcing their Fraud Dept? I think they seriously need to check themselves. Sending out a card without my consent, they need to be fined.

I've had a Capital One credit card for about 5 months. I paid on time & paid more. I requested a credit increase, I was denied. I was told if I paid on time for 5 months I would get an increase. They lied.

They contacted me about a car loan payment being due but I have never had a car loan with them. Somehow they connected someone else's information with my social security number--not fraud, but a mistake on the part of Capital One. Trying to sort this out through customer service, I've had to spend ages on the phone listening to automated recording after automated recording--there's no way to press through to a human being for ages. Fed up with the whole experience.

We went in to close my son's custodial account and open an adult account but in the process take out some cash. Since they were the bankers, please let us know how to do all 3 things. So the account manager sat with us and did a withdrawal slip, then the paperwork to close the custodial account, then tons of paperwork for his individual account. In the process she did not allow with timing of the withdrawal and then tried to charge us overdraft. It took 3 phone calls to rectify the problem. I have not yet received statements from each account for the period BUT I AM still not convinced that they solved the problem properly. During the phone calls, it was very evident that the person was trying to cover their actions, instead of trying to provide good customer service. I hope it was just that branch.

I have had this Capital One CC account for 8 years now, in excellent standing. Just because I added my husband to my Credit Card account and got the card shipped to a new place where I moved, the Fraud dept blocked my card. Well being a banker myself, I understand the protocol, but the verification just wouldn't end. The representative and supervisor would put me on hold for long, ask me so many questions, and just as I thought this would end, to my fear NO. Even after calling from my registered number and gave all the right answers to questions, they just didn't unlock my account.

I have a legal question. I owned a Direct Rewards credit card since 2005. My payments was always on time until I lost my job in 2008. Although I was not working, I received my unemployment check, the account still was paid on time. I made a payment online but it was not posted till 2 days later causing me to receive late fees and my interest rate changed from 9.00% to 29.68%. After this, the payments was not bringing the balance down and the Interest rate was extremely too high. I contacted the company to give me a settlement payoff or lower interest. They refused.

On Nov-03-15, I deposited money orders in my business account. I have money orders for two business accounts of different names, but teller deposited all MO into one account, and fraud department freeze my account, considering this a fraud activity. After so many attempts, I got the name of the Investigating Officer over my case, and I requested to call me back for clarifications and status of my case, but till Nov-19, I didn't get any call back from him, and neither my account get active, and my business money is still in the freezed account in front of me.

As usual, with large corporations, banks, such as these, they have your money and their treatment of their customers is pathetic at best. They have held my money on deposit for a secured card I have had for over a year, for the maximum limit. However they have had the deposit in their possession for the allotted time. And I am counting days from the point of deposit, the moment it was wired from my account. Again, as usual, no help from customer service. I will never recommend Capital One, and will remove and close my card asap.

Capital One's customer service has proven ineffective at resolving a dispute over payments made - an issue too complicated to outline in your 200 character guideline. They have made promises to investigate but never do and keep sending bills with interest attached. We will never do business with them again.

Do not apply for a Capital One credit card. if you have a major life event like a death, health scare, loss of job and you are late with payments or cant pay for a few months Capital One by rights can restrict your account. When you get back on your feet and pay your debt off and go to them for help to turn your financials around they will do NOTHING to help you. They are rude and literally say, "We are sorry we will have to lose your business but polices and procedures are just that." They do not treat you like a human being - they treat you like you are scum (literally). I am a nurse and care for the sick and dying everyday for 22 years and work 150% for every penny I earn. As soon as I was back on my feet the first thing I did was pay my debt off to them. I just wanted them to help me report the positive to the credit report and it was like you were asking them to hand out free money to everyone on the street.

I recently received my one card due to advise on online and as it was very easy to be accepted. Be warned the customer service is the worst I have ever encountered they sole purpose is to get every dime out of you. The info they give is redundant and just plain ignorant. Even though the minimum payment was set up they ask in a ignorant manner and retarded stated company culture of theirs that the minimum is not good enough!! The full balance should be paid asap! Idiots plain and simple. Now if you don't know your rights you might be in trouble. They are a shambles of a company that must be shamed, their employees nothing more than uneducated money grabbing monkeys! One Star is still a luxury for this evil corporation. Where's Mr Robot when you need him.

Up until the first of this year (2015) I was helping a friend with paying her bills. Having the only computer between us; I set up an account so she could see what was happening. As of January, 2015, she decided to pay and track her own bills. At that time, I had asked Capital One to remove her account from my computer; because for some reason I could not delete it. They refused. They said my friend had to request to have it removed. She did; in March, April, May, etc.. As of November of 2015 the account is still on my computer. It has very personal information (HIPPA type information) that is nobody's business. My biggest concern is if they refuse to take this off my computer - whose other private computer holds the same information or even is my information on some other private computer?

I received my C/C about a month ago and forgot to activate it until a week ago and today I got a bill in with a $108.00 charges and late fees. What the heck!! And then I get a call for the collections department wanting the money and I said to the guy, "I haven't even pulled the card off the paper much less use it." So after a long phone call I canceled it. Look people this company is trying to get you in money trouble so please stay as far from Capital One as you can. I feel sorry for the people that has actually used it.

A large wire transfer was initiated at 9 am EST for a family emergency with a guaranteed 7 pm EST delivery. They screwed up and it did not go out in their 'batch'. The funds are required by 9:30 am the following morning and Capitol One would not resolve their error. They open at 8:00 am and will not be able to have the funds to us until maybe 11:00 EST because they have to 'batch' them. Why not serve your customer and fix your mistake by making it happen by 9:00 am EST? We have wired and know that even going through the Federal Reserve funds can be received in less than an hour! SERVE YOUR CLIENTS AND MAKE IT RIGHT WHEN CAPITAL ONE IS AT FAULT!!! The question I ask myself is “Why am I keeping $100k with your institution…” The winds are changing.

My husband got this cc couple of month ago, it never came. We called customer service to have them send another one for us. We spent on the phone 2(!!!) hours with them. They kept transferring our call from one department to another. Apparently, somebody tried calling and using my husband's SSN, so they closed the account for a fraud. They couldn't even tell us what kind of fraud happened at the beginning. One of representatives said, "well we explained it to you when we called." They never did call! All representatives' answers were, "nothing we can do now, have a great day, bye." And they tried hanging up on us. When we mentioned $200 security deposit they said there is nothing they could do. Card never was activated or used. Card never was delivered to us! Last representative said that they will refund that money. It's been 4 days, they never refunded it!!

Capital One was informed on Tuesday that an improper charge was filed, 100 times more than actual bill: $21,000 versus $210. Vendor confirmed it was $210 on phone with Capital One and my engineering business. Despite reported fraud, Capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my $20,790. Of course vendor, a Holiday Inn, is not returning anyone's calls. I'll be taking my business elsewhere and suggest you do as well.

I was approached at Cedia in Dallas for a business card for the last 2 years. I gave in this year and was excited to get the deal. I am approved on the spot and sent welcome letters, pin number and credit card only to find out that I must submit SS card copy, driver lic., utility bill and bank statement. I sent in DL but these people are crazy. You should NOT approve someone and send them cards only to find out they have to jump through hoops. Now I have read reviews and I see they are pitiful as a company to do business with. Called numerous times and finally told that I could not speak to the supervisor's boss as they don't take calls. WTF. Customer service is nonexistent.

I received a letter today stating that an overdraft had been incurred on October 20th and that a fee had been charged. The letter indicated that $78,848.54 had been paid on check number ** (not one of our checks) with Trace id of **. However the account had much less than that amount and had NO overdraft capability. When I called the bank (800 support) I was told that I had cashed a check but when asked to give me information they said they could not pull up the check. I escalated the call and finally an agent told me that a certified check had been issued but they could not give me more details. I supplied my contact information and asked that this be investigated immediately.

Capital One's customer service is the worst I've experienced from any credit card I've had. Their online chat help is a joke and will only refer you to call a phone number no matter what your issue is or how simple your question is. It is also painfully obvious you are typing to a bot and not an actual person like they claim. When you do call for support or customer service they never have answers and will make you create a claim/case with their "supervisor" that will take them a minimum of 4 business days to get a response for. So if you are ever hoping for quick help or resolution to an issue with the card, just kiss that hope goodbye.

Capital One didn't tell me when my bill had to be paid. Not in a statement or online (I got a bill the last week of October that said 11/2/15). When I check my credit report I found out that Capital One report to the 3 credit bureaus that I didn't pay my bill. Somehow Capital one said it had to be paid 10/15/15 but that is not what I got in the mail or online. My bill said 11/15 not 10/15... You have to watch Capital One. They dirty.

For the last year and half, Capital One MasterCard has charge unauthorized charges to my three credit cards. After a lengthy and prolonged phone battle with customer service, and closing one account that had a cash security I have become faced with the same problem again. Unauthorized charges made in May of this year and instantly denied and proper procedures followed were removed and credit was given. I received an email from company making the charge recognizing the unauthorized charge and apology.

I have two Capital One cards. I've had the one for years and recently got a Quicksilver. I get the statements online. I check my account often (my son and his girlfriend stole my ID - I didn't file charges and caught everything, but I now check all accounts weekly). The app is wonderful. For people saying your due date changes... yes it can. However, if you are checking your account statements when they cut you should know this and have plenty of time to plan.

The worst customer service I ever got with Capital One. They give wrong information about your account. They don't give you upgrades on your account or anything and even their corporate office don't do anything also.

We took out a five-year fixed-rate home equity loan with Capital One in late 2009/early 2010, to buy an additional house. We have not been pleased with the payoff process. It seems either really inept, or, purposely arranged to cheat us. We could have paid for this property in full, outright, but we shopped around several lending institutions and settled on what looked like the best deal; a 5-yr, fixed rate, low interest and low closing cost loan from Capital One. We asked the loan officer at the time, MANY different ways, about the terms. We were to pay the same amount each month, spread over 5 yrs, and we chose to auto-bank-draft. We missed "0" payments.

1 star is saying quite a lot. If I could give this company No stars it would be more sufficient. Opening up this card was very easy, stress free and to start using it was amazing. I do not need a credit card, I simply opened this card up due to close friends' recommendations. Friends that make money and whom I trust their opinions.

I applied for a Capital One journey card to rebuild my credit. After numerous times of being turned down by my own bank after filling out applications they gave me, I was accept by capital one. They were fast and gave a reasonable credit limit to start. My credit has risen to the 700's and good status thanks to them. They allow me to link to my bank acct making payments simple. So far, only good things to say.

I applied for a credit card and they have requested documents such as a photo ID (copy of my driver's license), social security card, etc. to verify my identity. I am reluctant to send this information! Do they request this information on all applicants?

Very dissatisfied, upset and out of a card for my trip due to Capital One's horrible customer service and compassion less experience. I opened a credit acct with Capital One and was awaiting my card in the mail. After 5-7 business days as promised I called to ensure all information was correct and was told to wait until Thursday 10/15. Friday I contacted Capital One. They told me to wait until Monday 10/19. Tuesday I contacted Capital One and told them I was traveling outside of the country, really needed my card. They offered to expedite it 2-3 days and then the call dropped. I called back to ensure this was processed and the representative told me that she sees it was requested for 4-5 business days which was not what we spoke about previously. She said for further expedited I would have to speak to a supervisor so I did who was the rudest person I have spoken with, did not seem interested, did not want to help me.

Well I was late on my payment few months and they sent me letter saying if I make a payment and bring it up to date things will be back to normal. It will not affect my credit and I will be able to use the cards again but soon as I made the payment my accounts were restricted. I called Capital One and account managers said they are permanently restricted. When I spoke to their agent online before making payment she assured me that account will go to normal but it's not. I feel cheated. I will make sure that anyone I know never use Capital One for any of their credit need or even for their personal account needs.

I have been a Capital One customer for over 10 years. My payments are always and have always been on time. My income is nearly $80,000 a year and my credit score is 692. My payments are always 3 to 4 times the amount of the minimum payment and have been for a few years. This is my one and only credit card and my credit limit is $3,000. I have never, in the plus 10 yrs having this card, asked for a credit increase until a couple weeks ago and was DENIED. Capital One's letter stated that my monthly payments I make are not high enough. Then the customer service rep said that wasn't the reason but that I didn't pay off, in full, my card, often enough.

I received two notices last December from a local city marshal that two garnish orders were being served on my employer for Capital One. When I questioned this, I discovered that two lawsuits had been filed against me almost six years previously. I complained to the Queens County Court who instructed me to come in and fill out Orders to Show Cause. One was approved and resolved the other denied.

I have a card with them. They kept bugging me to take out another with pre approval letters. I finally said fine, and applied. I have a fraud alert on my credit. This has never been an issue before - provide documents proving identity no problem. They sent me first letter asking for these documents. I sent them and waited. Got an email saying I was denied. Have to log into their system to find out why. The reason - they couldn't read my documents. How rude!

I applied for this cc and was approved initially to receive an email stating that there were alerts set on my credit report that needed to be removed, and they would send me my new card. Well after weeks of going back and forward with all 3 bureaus, it was determined that there was no blocks or alerts. Well I gave up and decided I had no more time or energy to waist. Called back yesterday and was told that they did not show a hold on anymore of the accounts, but that I needed to apply again and I would have my new card within ten business days. Well, with a better credit score, more revolving lines of credit that are well below ten percent, income higher, I was denied. Although I usually recommend others to get Capital One because of their ethics, I am seriously disappointed and will not recommend my worst enemy's mother-in-law to that company ever again.

Do not open a retirement account here. In fact do not open any account here. There are no personal banking people available other than people that are new to banking. They know absolutely nothing about investing. You will find a teller though if you use the bank to deposit or withdraw funds, but as far as anything else, be prepared to get a list of phone numbers and robot responses. I made a big mistake in opening a retirement account. Any information on my portfolio is not available. STAY AWAY, you been warned.

I received my Capital One Quicksilver card 8/22/2015. I paid $50 9/3/2015, $25 on 9/4/2015 and $10 9/25/2015. My first bill was due on 10/5/2015. So I am concerned when I check my account and it shows PAST DUE, so I call. When I call a very nice woman says she does not know or understand why and explains I am not past due and credits the $25 late charge. A few days later I check and I AM STILL SHOWING PAST DUE! So I call, I reach them and the woman says "well you paid $10 on Sept 25th and your minimum payment is $25." I say "well what about the 2 payments in the beginning of September??" She then says "oh thank you for pointing that out. I didn't see that." Then transfers me to an "account supervisor" who tells me my bill cycle ends the 8th of the month and the earlier payments were for Sept.

I've had this card (Aspire Travel) for 15 years and my credit limit is still 3000. I earn well and all my other credit cards already gave me 10,000-20,000 limit (I've had them for 2-5 years). I've never had a single late payment in my life. In Capital One they don't even have an option of requesting a review and asking for limit increase approval - looks like they're still living in 1990's. Their rewards are useless, compared to the rest of the competition. It takes one 10 years of non-stop shopping to earn a vacation airplane ticket. The customer service is painful - most of them hardly speak any English (5/5 phone calls). I spend more time explaining my question in 5 different ways than receiving an answer. All in all - SUPER BAD. I've had it for a long time so I'll keep it active, but I won't swipe it for more than a coffee treat. Hey Capital One - it's time to Update and get in race.