Capital One Reviews

CapitalOne has ruined my morning, and it had started so nice. Yesterday my card was blocked and I got a call from CapitalOne saying that they had some identity concerns. I had just gotten my VentureOne card a few days ago (for which I applied online). I got a call from the bank representative saying that I need to prove my identity by sending via email my SSN card, the copy of my driver's license, my bank statement and utilities bill with no information scratched out. The next morning (this morning), I received an email that provided a link to upload all of those documents. I suspected that it could be a phishing activity and decided to go to the actual bank office in Midtown Manhattan to talk to a real bank representative (not a person on the phone).

Worst bank ever. I have a credit, kept my payments up to date. Went into a Debt management plan in order to reduce my debts and they put default against all of my payments, even though none of the other creditors did. Capital One agreed the Debt management plan conditions but still defaulted my account. I now have it on my file for 6 years - bastards.

We are closing on a mortgage. Out of nowhere Capital One posts a late payment on my account. I call them and am told it's a mistake and will be corrected. I explain I need a letter and am told I have to wait 60 - 90 days to have the credit bureau posted. I call again, and again. After spending 45 minutes on the phone am told AGAIN the payment was made within the grace period. This rep tells me he will fax me a letter.

Decided to try out this awesome rewards card that everyone and Jennifer Garner keep speaking off. It says you need excellent credit and the credit APR is between 12.99-22.99 but won't tell you which one until you sign up. My FICO score is well above 750. I went online and filled out the application and immediately received an approval for $20K credit line with a 22.99% interest rate, wait WHAT? Within two hours I was on the phone calling to see why. First time hung up after being on hold for 10 min.

OMG, by far the worst company I have ever dealt with customer service wise. I used my card the morning of 8/15 to get gas and then went to purchase a car. Should have been the happiest day of my life until I tried to use my Capital One and it declined. I contacted their customer service and was told that it was fraud on the account! How is this possible when only me and my husband use the card, each of us has our own card, and we had just used it that morning. The customer service rep I spoke with told me that they needed a bank statement showing my husband's name on it since I had just made a $250 payment using his account. I asked him what documents to send in and he just kept saying proof. So what do I do, I upload a copy of our bank statement with my husband's name on it and marriage certificate to show we are married.

Another Bank with low sub-standards in customer service, advertising to be an asset to college students' credit. In reality, the complete and total opposite. Thanks to Bank of America formally known as Bank of Italy, my account with Capital One incurred a late charge fee(s). I immediately called the bank and requested that the fees be removed due. Again, despite my strong payment history, this bank refused to work with me over $35 dollar fee, which caused my minimum to go up.

I applied for the Capital One Secured Mastercard because I wanted to add another credit card to my profile. I only have one other credit card. I was initially approved in an online application for a $75 Capital One Secured Card. I sent them the $75 deposit fee the same day that I was approved. I didn't hear from them after receiving the offer, so I called them three days later to find out the status of my card. This is when they told me that they declined my application. They said that they initially approved me for a credit card online but rescinded the offer because they said that the day in my birth date was incorrect in my credit report.

Then I get a call from a Kendrick telling Me I have to pay the whole balance. I then explain the letter so he ups my payments 31 more dollars and tells me if I have not paid in 120 days they would report me to the credit bureau. REALLY! I have never been late. Way to treat good customers. Thanks Capital One. You just lost a first time customer.

I decided to switch from Amex Biz card to the new Capital One Spark. Mistake! My first false fraud alert was when I tried to activate the card. They could give no reason, but spent an hour or so sorting through that to get it activated. One week later - another false fraud alert, which came on a vendor that I previously used with no problem only 4 days before. It seems their fraud system is set overactive, or profiles certain people randomly to shoot out a fraud alert.

I was trying to make a payment on the phone. I asked the agent if I could mail a check for the payment with only two days left on the payment date. He said to mail the check and he would note on the account that fact so I would not be charged any interest. I told him that I could deposit the check in my bank account and make an electronic payment to guarantee that I would not be charged any interest. He confirmed that it is OK to mail the check and no interest will be assessed. Sure enough, interest was applied and calling customer service did this customer no service, they did not honor their word so, I closed the account and vowed that Capital One shall not do that to anyone else.

Capital One has been forcing me to pay a fee to keep my account open. They know if it is closed it will greatly affect my credit score as I've had it for almost 10 years. I told them this and they filed a mark against my excellent credit over $20 and have actively been trying to destroy it. Then they slam you with interest fees and just keep adding them and try to destroy credit. My balance was zero. They tried to get $200 for member fees. Unbelievably ** company. I hope you all rot in hell, Capital One!

After applying for Capital One credit cards, they sent me an opt out for information sharing. But when I called they reserve 30 days in which to process my request to keep my information private, including social security# & other sensitive info, giving them time to share ("we don't sell your info") with all of their pals, whom they won't disclose in their entirety so you don't know who gets your info. All they mention is credit bureau but it goes to affiliates and non-affiliates. No e-mail address is available to get this resolved and the "back office" doesn't accept calls. They want to record your call but don't "condone" you recording them. When questioned about ethics the response from a senior manager was, "Well, all the credit card companies do this." Be warned before applying to this operation. You might as well post your personal info online for all to see.

I applied to the Venture Capital One card and was approved for 15K. After I received the card I received a phone call Saturday morning stating that my card application was not approved due to fraudulent activity. I asked what activity that what and what documents I needed to provide. No one on the weekend team could explain why their system was telling them that. I called on Monday and was told that they would not tell me why it was denied, but I needed to reapply. I reapplied and got a silver card with a 3K limit. After getting it in the mail they called and said it would not go through due to fraudulent reasons and would not clarify. After knocking my credit score down 18 points in 3 weeks and still not getting a card, jumping through hoops I told them I will not be working with them in the future. Poor, poor service and procedures.

I had a problem signing in my account. I made more than 3 attempts so I had to call. I provided all valid information, went through two reps who were of absolutely no assistance. This truly is the worst customer service ever. Instead of just resetting my account they wanted me to make a payment online. This is a business account. I need to see the actual statement and monthly information. I need to be able to print for the accountant. This is a disaster. They have no authority and no idea how inconvenient it is to their customers. My husband called in just last month and had another issue... We moved to Chase. They are fantastic.

Customer service is the worst. They put a 5 day hold on my payment for no reason. It had cleared on the website and with my bank the day after I made it. They had no reason to hold the payment other than to irritate me. I had set up automatic payments with my gym and a few other things which were declined because of the hold. I had made 4 payments before this and they all cleared the next day. I have been on the phone at least 8 times the last two days and every employee has been unhelpful, condescending and nothing is resolved.

I've been with Capital One for three years, and have two accounts with Capital One. One of my credit cards was frozen so I called and the first Rep. that helped was NOT AT ALL HELPFUL, thank God I called back days later and, I called to get help with the situation! And I was helped by Van ** on Friday. WOW what a awesome attitude, she had the right words, the happiness I needed to hear and RELAX my heart for I've been through too much and she listen and understood me, and that is what I NEEDED TO HEAR!!! THANK YOU VAN **. ** family is so grateful.

After applying for a credit card with Capital One, I have had nothing but problems with them harassing me at home and on my job saying that I owe them... I do not, I have never used the card and out of frustration I cut it up and threw it into the trash. It is extremely difficult to get a hold of someone for assistance and clearly they are outsourced. I've reported them to my bank. They continue to harass me. I've sent letter and a text stating for them to not contact me!

My husband applied for, and was approved, for a Capital One credit card. When the card arrived we found the envelope ripped open and the card moved. He called and reported it as stolen immediately to the company, police and postal service. He was assured he would get another card in 4-6 days. After 10 days of nothing he called again to find out the card had been activated and maxed out. They told him the charges would be reversed within 72 hours and a new card would come via FedEx.

I was thrilled when I started using mobile banking. Being "of a certain age" it was a new experience. Since then I have been driven crazy with error messages. "Oops we seem to be having difficulty. Try again later," or similar. Calling results in getting a 14 year old who has NO idea about customer service nor what is going on. I was told to re-download the App which I did. It worked for about a day and then went back to its shenanigans. I dread another phone call!

On 7/1 Capital One stole approx $600.00 or more from my Chase checking account. Capital One has yet to contact to inform who did this crime. And Capital is calling my auto loan in with them. Refusing to extend me more time to pay $1600 which balance keeps changing.

I ordered some beauty products from Revlon online, and I never received product at all. I called Capital One and I did get reimbursed and I checked my account again this month just to see the charge back on the statement. I talked to some guy in the recovery center who had a letter from Revlon stating they received the product returned to them through Canada Post. But I still have to prove that Canada Post sent the product back. I asked "how do I do that?" The guy from Capital One had no idea!!! Ridiculous! I closed the account and will never deal with Capital One ever again!!!

I have noticed that for the last couple months I have been making multiple payments to Capital One. Didn't think much of it since the wife and I have multiple accounts. Her balance is paid off across the board. Questioned her about it and she never authorized a payment, or any recurring payments. I know I never authorized anything other than a onetime payment 4 months ago. To me it feels like Capital One is stealing our money. Now we have to change our banking info to prevent anymore in authorized payments. Not cool Capital One!! Not cool how you help yourself to other people's money and take advantage of those with lower credit scores with high interstate rates and exorbitant fees.

As my first credit card I used the Capital One card. But I would recommend every normal person to stay away from that bank. Here is in very short words what happen. When I was in college I added two of my friends as additional users. And I provide all info needed. After 4 years with a excellent record using my card for regular purchases they request me to send them a copy from the social s and driver's licence from the additional users. But since it was about 3 years since I add them and I finish college I told them that it's impossible for me to get from them their private info.

I answered an ad for a card. Received a letter indicated I was approved and would later have to prove my identity at the Post Office via a registered letter. Letter arrived. I attended the post office. The person verified my identity. I was sent another letter thanking me for completing my detail verification and my card would be sent in 5 days. That was 3 weeks ago. I called the card company to see what was up as I wanted to be sure the card wasn't stolen in transit. The individual told me my credit limit and informed me that the card should arrive in 5 days...

I made a balance transfer from Capital One to Commerce Bank on 07/07/2015. Commerce Bank sent Capital One a check in the amount of $607.74. The check is dated for 06/30/2015, and Capital One endorsed/deposited on 07/07/2015. However, they only applied $507.74 to my account. They continue to charge me payments and interest, but did agree to start a "payment investigation." This is essentially a 60-90 process as near as I could tell from talking to customer service. I have sent Capital One images of the check, copies of my bill stating that I made a payment $507.74, and a letter confirming the success of the balance transfer from Commerce Bank. Capital One refuses to correct the error. Every person I talk to explains why they and/or their department do not have access to the "necessary information."

They knew I had issues with thieves that stole my Discover card number but they did not have all my info as Capital One said, but Capital One knew they did not have it all the other time. But last week after calling me from the fraud dept and then sending a letter from the fraud dept, also at the same time on that same letter from the fraud dept sent out a charge card to the thieves in some other state knowing that the application did not match up because I talked to the manager. And if it did, they would not be calling from the fraud and sending letters from fraud and on same letter have the last 4 numbers of the new card. Are they making money off the people??? I TAKE IT YES!!!

I had a grievance with Dish Network erroneously charging my Capital One credit card for monthly subscription dues (This was December 2014). I did not trust Dish Network to remove my credit card information from their files for payment options, so I called Capital One and had them cancel the credit card that Dish Network had on file. Fast forward to current day. I was alerted that a charge to my Capital One credit card had been made. When I researched further, I noticed that Dish Network had charged me on May 22 and June 22 for monthly subscription fees.

If I could put negative ten stars I would. This company is terrible. They took my initial deposit two months ago and I still have not received a card. They are giving me the run around even with my refund.

Regardless of the number crunching that shows the benefit of mass mailing to many who will never want or need your services, your junk mail barrage that my wife and I receive on a monthly basis is irresponsible and wasteful. We each receive at least 5 different mails from your company on a bi-weekly basis and all methods to end this ridiculous harassment are difficult most likely from the team of "do nothing for their world" taskmasters that you employ.

I recently applied for a Luma card from Capital One and after their checks and telephone call I received my pin followed by my card (all good), and I spent and stayed in my credit limit. Then today 18th July I receive a letter saying that they have frozen my account and they want me to pay what I owe and that's the end of the account. I don't understand. I wanted to rebuild my credit rating and now that's been taken away from me! Is this normal?

I called Capital One for my wife in reference to a Scam company (Equinox), who is trying to pull one hell of a SCAM on people. They lure you in with one product and all you pay is $4.95 S/H. Then 14 days later, AFTER they have your Credit Card info, they very sneakily charge anywhere from $100-$585 on your CC using another fictitious Company name. When I contacted Capital One, the ONLY thing I requested was for them to put a block on that company from ever being able to make any future charges on my wife's card. This lady at CO must not her job very well because she told me she CAN'T put a block on that Company because "They didn't meet the requirements to be blocked."

The customer service has done a poor job of assisting me. They'd take all my info down when I try to make a payment and then all of a sudden they be like "oh we can't do this" and come up with some silly reason why which makes me suspect that the employees are just writing down my info to use for themselves or something. I don't trust them with my personal information. The manager is very rude and condescending and very insensitive. They put you on hold for 30 mins or more sometimes and you end up not getting anything accomplished. I've had some of the worst experiences with them and can't stand working with them and dread calling them because they like transfer you to like 10 different people. It's like geez man. I'm done with them and I don't recommend anybody else to get an account with them because they screw your stuff up all the time and you'll never get your issues solved. I can barely understand the staff half the time.

I have used all kinds of credit cards and Capital One is the worst. Since Capital One Mastercard doesn't accept automatically payment, I have to remember to check the balance online because I don't get mailed statements all the time due to my moving. With travelling, I missed one payment and I was charged for $45 interest. I called the customer service and the guy's attitude was so bad. Even though I admit it was my bad of missing the payment and I asked the favor for adjusting the interest even partially, the guy kept blaming me that it was my fault so he could not do anything.

Capital One Bank in Mineola Tx - I was traveling thru east Texas and stopped at Capital One Bank to make a transaction. I only needed to pay on my car payment. The clerk said they couldn't do it. Went to another location and the transaction was completed in a matter of minutes. So I have a problem with this and think it was racial.

A $150 jewelry purchase of an alleged "white sapphire, 18K gold ring" was made on 4-18-2015 in Cambodia. After leaving country and wearing ring, band started to wear. The tour group of 14 people purchased approx. $3700 worth of jewelry that was fake. Group has been in contact with tour group and jewelry store owner. We have been given a run around from the start. All jewelry was sent back for owner to credit our credit cards (mine was Capital One). Capital One was kept up to date (in writing of all actions). Cambodia government requiring over $750 to have this jewelry sent back to the USA. We are being held hostage in trying to retrieve our purchases. Capital one was sent a receipt (with my signature) showing "no refunds". I never received this receipt when ring was purchased.

Frequently cannot access my online account. I haven't been able to access my account for a few days. I finally called customer service and it turns out that Capital One tried to merge my online accounts together (I did not ask them to do this) and something went wrong. They told me it could take up to 10 days to fix this and in the meantime, I cannot access my account online and there is nothing they or I can do. They will not waive any overdraft fees I might incur as a result of not being able to see my activity and balance... they said it is NOT a banking error... and would not admit to the fact that it was an error on their end. I will be closing my accounts with them.

I paid off my Capital One credit card, and was debited $50 too much. I am trying to get my money back, but so far, have not succeeded. I had a balance of $97.36, and initially paid $50. I then called Capital One, deciding to pay off the balance of $47.36, but the girl debited the entire amount, again, which meant I was overcharged by $50. This money was immediately debited from my checking account, but I was told that it would take "three business days" to get my money back. This is really unacceptable! I did not make the mistake; the girl at Capital One did. This is a real issue of incompetence, as far as I am concerned. Now, here I am at their mercy. Granted, it is "small potatoes" as far as they would be concerned, but it is my money, and I need it. I spoke to a woman who gave me a fax number. I doubt if I will get any satisfaction from there, either.

I have been a Capital One customer for about 2 years now. And I also used to have problems with their phone customer care service. Not until I started to use their Skype customer care service which you can get by searching for Capital One Bank when you get on Skype. They respond quickly and promptly. Also you get them to resolve your complaints for you easily on there. As for me Capital One bank is okay and I would recommend their credit cards. I think it's better (my personal opinion though) however they have bad customer service except for their Skype customer support which to me is 5 star.

I've had an account with Cap1 since 2012 with no problem whatsoever. I went out to CA 6 months ago --no problem on the trip out there and for several months. Then they started denying charges on a random basis, sometimes even on the same day as another charge went through! Recently, I hired a moving company and paid the initial charge with Cap1. Yesterday when we finished the move, we sent in the final charge -- which they denied! I have repeatedly used the chat line to solve this problem. I was told that the restriction was removed. Then bang we're back to being denied on a random basis again.

We fell behind on 1 payment because of income loss. We explained that to them and gave the date and amount we would pay. We were continuously harassed with phone calls, 5 times a day starting at 8 am even on Sunday!!! We started not answering after explaining the situation 4 times!!! I have never been so upset about a late bill or treated so rude!!! Was questioned and they had the nerve to ask if I could even borrow the money!!! 66 dollars really!! I explained my kids need to eat and a roof over their heads and again told them when I would pay!!! They don't seem to get things happen we can't control!!! I can't wait to pay the card off and send it back!!!

I joined Optionow (ON) and paid $375.00 (it is a trading company, but I was using separate software that increases the success of 80%). ** (Trader Mgr) insisted I pay $1,000 more, then erased the funds from my site (as I was watching it) blocked me from withdrawing the funds & has staff state that I traded the funds and lost all the money, so they could not refund the money. Each of these statements is a lie. I never got launched. Capital One (CO) refunded the $375, and on 5/5 and 6/25 charged me $375 ($700) and now have considered it closed. The 6/25 sent my zero balance to $396.00 over my max.

I have received pre-qualified offer from Capital One for credit card. When I went online applied for it, they rejected my application. Customer care representative was quite harsh to me and unhelpful. Worst customer service out of all banks I have spoken with. I am still wondering why do they need to send pre-qualified offer and in whole letter they haven't mentioned that again they would do a credit check and then only approve my application.

We are going to Europe in 2 months. I have been reading that many European merchants prefer credit cards to have a chip imbedded. I have had a Capital One Platinum CC for years and I pay it off every month. It expires Dec. 2017. I asked to be issued a new card with a chip in order to be compliant with the European merchant preferences. I was told by Customer Service(?) that they do not/will not issue a new card by customer request. I told the representative that I wanted to make using my card in Europe as easy as possible for me but I was still told "NO." What kind of customer service is this. I had just made a $9000 payment for my cruise with this card. I thought I was a good customer. So what gives???

I never applied for credit card for the past 11 years for 2 simple reason - my credit score is not great (below 640) and I hate to get a rejection letter from a credit card company simply will drive me crazy. Today I got Pre-APPROVED credit card from Capital One. I was told all I need to is go online and get it activated. Crooks, after doing so, I was told based on bla bla bla we were not able to approve your credit card... I can expect how can Capital One conduct such cheating scam?

l am trying to get an account printout but because l do not have a pin number (l tore up the card as soon as l found out (too late) that they are Capital One).... they cannot verify me because l need a home phone number which l have but l live in town during the week and so cannot return their call from there. l owe more now than l did a year ago and only want to see my account.. Is that too much to ask that l cannot be verified by ssi number and birthdate?

I love this bank. Easy online use, no minimum required on anything. Mobile app is very easy to use. But being an online bank depositing cash is a head scratcher. I live in middle Massachusetts, and they did open banking cafes in Boston, but not near me. I had to open a checking account near me just to deposit cash, but I still love this bank. When they finally open a branch cafe near me, I will be whole.

After opening an account a hold was placed on my card due to suspected fraud. I uploaded and mailed proof of identifying information in addition to confirming the charges were mine over the phone. This included my 1-social security card 2-driver's license 3-copy of my birth certificate. IN addition I uploaded mail from my insurance carrier, the police department, social security and Capital One themselves. I have called on multiple occasions and mailed a money order payment for the minimum amount due because I had concerns over their willingness to handle my account. I mailed a money order on Tuesday the 16th of June. The payment was due on the 20th. It was not credited to my account and of course a late fee has been added. I called yesterday and was told they have up to two weeks to process the payment. This has been an absolute nightmare. It is now the 26th of June and there has been no resolution.

I spoke on the phone with a manager by the name of **. She is unprofessional unwilling to help me with my claim! I will be writing a letter to corporate! I start a claim because my credit card was compromised in another state and they gave me a credit and put it on hold for 45 days! This is crazy! This is my first ever credit card, how is Capital One system so weak till they are able to compromise them so easy! ** gave me the worst customer service ever. She needs a new job!!! Poor excuse for a manager!

I have used Capital One credit cards for several years and have been very happy with their rewards program. I have one card for business and one for personal use. Yesterday I transferred reward miles from one account to the other. Within minutes I got an email notification that my email and password had been changed. My password was very secure and I think somehow the miles transfer allowed my data to be compromised. I immediately called Capital One. The only verification they did was asking my date of birth. With this poor verification process I suspect it also may have been a factor in my account being compromised. It turns out that all of my miles had been converted to gift cards and were in queue to be mailed out to someone else. Luckily I called Capital One in time and they were able to stop this transaction. I'm still very concerned about the lack of verification Capital One does when calling in.

I have had an account with Capital one for about 2 years and in the very beginning of my account I was pretty much on time with all my payments. I went through a small financial situation for about 6 months where it was hard for me to make any payments. I am now back on track with my payments and Capital One suspended my account. I called the number to speak to customer service to see what can I do to get my account unsuspended and they stated to me that the account was closed which I am unaware of. They then told me that in order to have an account with them I will have to file a new application.

After 3 years of being discriminated against due to being disabled and unable to use the phone, they finally deposited our funds that we deposited into our Capital One 360 account from our other non-Capital One account back into our non-Capital One account since we had no other way to access the money. I am very relieved and happy that we have our money back and closed our account.

I reviewed my credit report and disputed information. Capital One failed to send documentation upon my request to verify that the claim was accurate.

I always contact the merchant first before filing a dispute on the card. I always when the disputes but with literally no assistant from Capital One. I have the impression that Capital One does not want to irritate the Merchant. American Express was a stronger advocate for the card holder.

I've used my Capital One Visa for more than 20 years for mostly all my transactions without any problems ever. I specifically chose Capital One because I travel abroad regularly and Capital One does not charge currency conversion fees. I called them and requested a new card with a security chip for my upcoming summer travel. Most of the rest of the world already converted to cards with security chip and they don't take these antiques without one. The answer was that they do the conversion process in batches and they "assure me that I'll have a new card by the end of the year 2015". There is no way to request and receive a new card with chip before. Is this 21st Century US??? Unbelievable! I guess it's time to say good-bye to Capital One!

I have a Capital credit card. I use this card weekly and pay my account two to three times in a month. I make sure my balance is paid off by the first week of the month. In the past all my payments have been paid and then posted within two days. I recently made a payment. The funds were removed from my bank account. The funds posted to my credit card showing a 0 balance owed.

Capital One has been letting withdraws happen against my account even when there was no funds available. Then they charge an overdraft fee of 35 dollars for each one even though I had it set on the account no funds, no withdraws. Capital One bank will never be recommend by me. No customer service, no support, no help. Worst bank ever.

The credit cards have a late fee of $25.00 if you don't pay within the current week they ask. No sooner and no later.

Unfortunately there are people working for Capital One have no ethics and know nothing about customer service. As the supervisor ** employee ID ** capital one horrible experience. Seriously cancel my account three years. So awful. Don’t expect any good customer service from this terrible lady. Have to be work in a car wash not a bank. So disappointed. Corporate have to be open an investigation. Really customer always first.

After being a customer for 8 years they jacked up my interest rate to 22.99 % and refuse to lower it. I am never late on any payments and have been a dedicated customer. My credit score is also good. I have spoke to supervisors after supervisors and they tell me they can do nothing for me. I even threatened to close my account and they don't care...... NEVER EVER WILL I REFER ANYONE TO THEM.... SHAME ON THEM FOR RIPPEN PEOPLE OFF.

Apparently, Capital One is a lender of last resort so their ability to provide what others call customer service is untested. I was encouraged to use Capital One when purchasing a six-month old Buick. I deeply regret that advice and having taken it. It is impossible to reach anyone at their office. Their customer service is non-existent. They routinely make mistakes in entering payments and just as routinely blame them on others. Today, I decided to simply pay the loan off rather than having to ever talk with, or deal with them again. A total nightmare just trying to get a payoff amount and wire instructions. Finally sent a check via registered mail. I would rather deal with the government anytime. At least there exists some accountability. This is what happens when corporations are allowed to do anything, at all, unchecked. I say regulate these SOBs out of existence. They perform no social good whatsoever.

Had this credit card since 2003, and with a good pay - Capital One which I must say I hate, suspended the card for being late a couple days. It's time to close this card and move on to a better bank.

I have received a statement I owe 9,500 dollars. I have never opened an account and reported to Capital One immediately. I think the company is one big scam. This company should be blocked from doing business period. I have been victim of fraud and they asked me if an employee could have possibly set up a card in my name. Very suspicious. Doesn't matter because it's fraud either way.

Received a call from the fraud department at Capital One in May 2015. Responded to the call on my voicemail and was told about suspected fraud. I was asked to fax or mail in my driver's license, social security card and most recent utility bill. Everything was faxed to them on the same day. I called them back a few days later, and was told that they never received them. Confirmed the fax number was right, and faxed it to them again six more times during the month of May. Was again told that it was never received. Documents were mailed on May 23rd 2015 and faxed two more times. Recently called again on June 4, 2015, and was told nothing has been received. I am at a loss on what to do now. I was not given a reason why they suspect fraud, either from me or someone trying to obtain a card in my name.

In a matter of a week there were false charges on my card adding up to over 1000!!! ** was absolutely amazing and helpful and got those charges taken off and a new card number within two days. It was really amazing. Also another woman had helped me recently on Capital One and I wish I remembered her name but she was super amazing too. I will never leave Capital One. They really truly do an incredible job in customer service. The cherry on top which was super above and beyond? ** sent me a Macy's gift card with a handwritten note congratulating me on my recent marriage and on our baby twins on the way. Thank you so much ** and Capital One for being so incredible. You have a customer for life. :) :) :)

I'm 21. No credit history besides paying my phone bill every month. In March 2015 I got an offer in the mail from Capital One for their Platinum credit card. After talking it over with my dad and getting the OK from him I went online and completed the application via the invitation number sent with my offer. A week later I received the card in the mail. Ecstatic about being able to buy groceries between paychecks I went to the store and bought a week's worth of groceries. Paid it off when I got paid at the end of the week. In my second week of having the card I went to Best Buy looking to invest in a pair of wireless earbuds, preferably the PowerBeats2 by Dr. Dre since a friend of mine let me use hers and I liked how hers worked. I was not satisfied with the ear buds and returned them THE NEXT DAY. The woman at BB customer service told me the return was successful and I would get the money back on the card.

This started about 4 months ago. We get a phone call that we owe 7.63 on our card. I explained that we have not had a Capital One card since 2008. Also at that time we cancelled the card & it had a 0 balance. So how can we owe any money? No matter how many times I explain my problem to them they do nothing about it. My credit rating is 833. So I got fed up & lost my cool the other day when they told me we are on a recorded line and I stated, "Record this. ** you." This is the worst credit card company in the world.

Statement sent in the mail had a graph on it that showed I had 150 late days until my account would be closed. I paid account in full way before that. 122 days. Online account showed my full credit limit was available for use after payment was made. My card didn't work so I contacted them and they say my account was frozen so I only had 120 days to pay so they closed account. Remind you it was 122 days and 6 days before Christmas. Meanwhile during the time I was late I got no letter stating I had a frozen account no notice on my online account of this either. If anything ONLINE ACCOUNT SHOWED FULL CREDIT LIMIT WAS AVAILABLE WHEN PAYMENT WAS MADE!!! So here's my problem. On my credit report they put it as a negative account and status states "account paid in full/closed at consumers request". I dispute this based off of the inaccuracies and lies and nothing gets done and I get screwed.

Capital One Auto Finance - they cancel email contact so you cannot contact them to make payments or inform them of your situation. They demand your phone number but do not contact you for follow up when they need something from you. Capital One Auto Finance did not provide for me accurate details on numerous occasions for how I can keep my vehicle and so it was not repossessed. When you call the number to make payment arrangements their phones do not work - it says unavailable, call back.

Sad that every Monday holidays I get paid my direct deposit is not available or posted because it's a holiday too to Capital One 360. I thought the convenience of having a direct deposit would mean that no matter what, my funds from my employers will be available at least the day before not after! I have called around and found out that Chase and all other Credit Union have their direct deposit funds available the day before. So if Monday is pay day and it's a Holiday the direct deposit is posted on a Friday which it's so much nice and should be the way it is! I wish Capital One would do the same!

I called about a month ago to cancel my credit card after it had been paid off. I then received a monthly service fee bill in the mail. I call to inquire, and this representative tells me that the previous representative failed to shut off my credit card! I was on the first call for 15 minutes and he didn't even do the job! The current representative stated that he would assist in filing a complaint against this representative but I can't be sure if that happened or not. I was assured this time I should be receiving something in the mail to confirm. I requested email as well but they stated they could not provide that. Terrible, terrible service. Do not use this company.

I sent a wire funds transfer on May 12th to Cuban & Global Travel, Inc. I received a call two days later asking about that company and its relation with Cuban government. I explained they are in Miami and their bank (TD Bank doesn't have to do with Castro). Anyway, they say they have to investigate. My money was frozen, nobody received my money and it has been more than 10 days. I haven't received any other answer from them. Of course, I cancelled the transaction but they haven't return my money to my account neither. So, nobody knows where my money is. Is that fair? Ok, I am looking for a lawyer to start a demand against them.

In the mail yesterday I received a notice from a lawyer that my wages were going to be garnished because I owe Capital One $1000. I contacted the attorney and was told that I signed up for the credit card in 2005 and never made any payments on it. I was also told in 2009 I was given a subpoena to show up in court to dispute these charges. They said that I was served and I signed for the subpoena. Thing is, I have not had a credit card since 2002. When I got divorced I paid off all my credit cards and got rid of them. Nobody can show me a paper with my signature on it that I applied for a Capital One credit card and the address they supposedly serve me at I had not lived at for 4 years before they said they served me.

I have been informed after trying to login to my account that after a month my account has been cancelled. No reason. Just after a review they are withdrawing my credit facility. I am to make payment until the account is zero then destroy the card.

My checks are return so they can charge a late fee. Three checks were send from my bank and return by capital one. I spoke to customer service manager and was given a wrong address and a wrong acct. #. Looked up corp and found they are locate outside the u.s. and the phone # is locate overseas. If you call they charge money just to complain.

About five days ago my Credit Card was blocked due to what they said was Fraudulent activity on my account. I called and they said, "OK. It's been lifted. You can use the account." I used the account and was denied. I called again. I was told that they cleared everything but that I would have to wait 24 hours to use the card. I did this and called them before I used the card the next day and was told I could use the card, it was clear. I again was declined. I was then told that I could not speak to anyone in the fraud Department that another person who was out until Monday would handle my case.

FRAUD CHARGES $100. No one does anything there. They say "yes sir, will investigate" then keep charging you. When they do call you they leave you a 7 digit number and you call back, no one answers or its busy. TOTAL scam. I called Costco and they reassured me that they have received numerous complaints. Cotsco tried to save $ by using Capital One when they had the best AMEX but now they have two black eyes and I'm sure they're getting inundated with calls. More importantly they have lost my trust. So all in all had they stayed with AMEX their business would be running smoother with happy clients as I was.

The Capital One Venture card boasts the possibility of earning 40,000 bonus miles if you spend $3000 within the first 3 months after approval. I quickly signed up, thinking I could easily spend $1000 a month in order to get the 40,000 miles. They approved me, and told me I would be receiving the card within 7-10 business days. It has been more than 2 weeks, and when I called to ask why I haven't received it, the voice on the other end just apologized and answered that he didn't know. He would send it immediately and that I should be receiving it within 7-10 business days!

So. About a month ago I moved out of my apartment. I'm staying with family and I'm looking for a new job so took out a mailbox in my old neighborhood until I find a new place. It isn't very close to where I'm staying or my job, but I go to that area and plan to move back that way when I'm ready. I changed the address in my various accounts right after I had moved. About three weeks ago, I tried to get a cash advance from my credit card but it wasn't accepting my pin. I've had that pin for ages so I found that curious but didn't think much of it.

A real runaround by untrained, incompetent employees. Tried to file a complaint against one by going thru their McClain Escalation department. Got nowhere. Their routing on their checks is the same as ING Direct but they claim no connection. You cannot even find out if a customer has sufficient funds for checks written from the bank. One person spoke over me and when I asked that he listen, he hung up on me. Called back and he said he wanted to teach me about how he does customer service then he went on about how Toyota does business. This guy was pathological and claimed he was in charge. Asked for a supervisor and told to try another day.

I was sent a renewal card with a completely different account number. I called and asked if I could have my old number instead since I do not want to go through all my accounts and records (including payments) and change them for each one. I was told I cannot do this and that Capital One does not have any easy way to "blanket" change over to new number. Will be canceling my card after I transfer all my recurring payments to another card. (Thanks, Capital One, your unilateral customer-unfriendly policy, has now incentivized me to drop you as a provider, since I will have to do that transfer work anyway with the new number you sent me without consulting me or even notifying me in advance.) Corporations are just getting worse. I think I will apply at a credit union or find some kind of socially conscious card to deal with. These businesses shouldn't even call themselves business. They're milking operations.

I called Capital One today due to me being charged for a product. The representative I talked to was named **. He was very kind and called the company that was charging me. He was asking questions with the intention for me to get a refund back and was successful. I truly would have not received a refund without his help!

After paying my balance in full well before the billing cycle ended, I was charged 24.00 in interest! I called Capital One and spoke to a very rude customer service rep who told me that "interest is charged on the previous months balance even if it is paid in full!" I asked if I would be charged interest on the 24.00 interest charge and guess what? He said "yes but it would be a minuscule amount." When would it end? Needless to say that conversation ended and I spoke to a very nice rep named **. She credited my account the 24.00.

I have had a Capital One awards card for several years. Today I cashed in my 63,000 points and closed the card. My reason for doing this is that you can't count on it being available to use. I have had too many instances of the card being suspended for use because of suspicious activity at inconvenient times.

I have been banking with Capital One for the last two years. I have decided to close my account since every time I need something done, I need to speak to different people at different branches because no one takes the blame when things don't get done. So far, no one has gone the extra mile to get things done. The only thing they are good at is taking one's money. Their unprofessionalism is in every single branch is palpable and I will NEVER bank there again. Of course, I will also let my friends/colleagues/neighbors know about my (always bad and frustrating) experience.

I've had a Capital One credit card for more than 9 years. Everything worked well and they provided excellent customer service until I was on vacation in November 2014. They were going to send me a new card because they said my card was compromised in the Home Depot September 2014 data breach. They said I’d receive it soon, but they didn't tell me a specific date. They said they would not turn off my existing Capital One credit card until I activated the new card. I had numerous auto-billings on my credit card and I was going to be going on vacation in November, I told them, and I wanted to be sure the card I had would remain active. Capital One was the only credit card I had at the time.

Capital One is only out to destroy people. They have put a freeze on my account! ALSO MY ACCOUNT HAS MY PENSION CHECK! This customer has the only thing in mind to do is cause harm to people who do the correct things in life! I find out that my account is frozen after I attempt to purchase groceries and was denied to do so since they went and froze my account. I have to find out by calling the bank to find out what the problem was! This Capital One and their attorneys should be ashamed of themselves. Prior to going to the grocery store I paid two bills which now will be returned with additional fees which I feel that Capital One and the Attorneys should be required to pay! I do wonder if these people truly can live with themselves for their actions. They have cause so much harm to many people! I not going to judge them since God will Judge each and everyone of them!

I was calling 866-750-0873 from work at 9:45 AM ET on 4/29/2015 to request unlocking my online account which was locked not from incorrect login attempt. Over the phone, the first operator was asking questions standard verification. I was asking for the card security code and told her that I left it home. I insisted her to make further verification so that I can sign in to pay my balance. She had me on hold and transfer to another female operator who was giving all kind of garbage with all kind of background noise. I told her to speed up what she needs to say and go to the point so that I can get back to work. She intended to put me on hold; I waited for 10+ minutes and gave up.

When I received the Credit Card I called to activate the Card. I was notified there was an issue with my account and that I need to send a copy of My Social Security Card, a copy of my Drivers License and a copy of my Utility Bill. What? I'm just trying to activate my Card. My Credit Score is above 800 and you mailed me the cards. If there's an issue why did you mail me the cards. I feel you folks have some security issues and I no longer want anything to do with Capital One. So Cancel my request for cards I received. I do not want to activate them. Its not worth the questionable hassle to me if this request is Legit and not a Scam.

I had an account with ING Direct since 2006. Ever since Capital One took over it has been a cluster of epic proportions. Since the switch, the online banking has never worked in full. Some days, like today, I can't access my accounts to transfer money between them - and it's been like this for days. I have a Sharebuilder account and the "instant transfer" function worked once in all the times I've logged in to try. I had to make several phone calls when I made Sharebuilder transfers the first time because they said I used a regular transfer - rather than an "instant transfer", which is some special unicorn at Capital One (something my little credit union seem to have no problems with).

The customer service was not very reliable. There was several days in row that I had to come in to speak with the bank's manager but the manager's refusal to sit down and speak with me made me very angry at Capital One Bank.

So they keep emailing offers so I email them saying this email does not belong to my granny who just died a few weeks ago. They email back saying they can't do anything and I have to go through this whole process. Stupid morons. The email belongs to me not my grandmother. They didn't even offer condolences. I am pressing charges of harassment now because in the State of Florida it is harassment once you email text or any form warn the party to stop communication. If they email, call, text any form of communication even one time after then it's criminal harassment. What idiots. No respect for my granny who just passed away. I am horrified.

I've been happy with my card (Secured). Trying to repair my credit, I pay my as soon as the bill arrives. However, Capital One has not reported to the credit bureaus my last 2 payments, soon to be 3. Don't know what to do. Any ideas?

On April 20 all my credit cards I restricted due to that notice.

Capital One Bank did not record my credit card payment received before due date, whose receipt was confirmed by banking institution. I called the Capital One Bank when I found their error (failure to record my payment). I had to spend almost an hour speaking to three service reps, resulting in no resolution. I referred to the check I issued, which clearly showed the receipt date by Capital One, which was confirmed by my own banking institution during our 3-way conference call (myself, Capital One Bank and my banking institution).

Complaint files with Cap One. I usually do not use their online bill pay but did in this case. I double checked it but for some reason - the funds that were to go to another banking account - stayed within the Cap One system. I thought banks were done playing such games.

About a year ago, maybe more, I had a Capital One charge on my credit bill that I did not understand. I wrote back for them to explain what that charge was. I got no response. The next bill had the same charge with added penalty for that. I responded with the same question, and told them if I got no explanation I would not longer read the bills. I did read a few to see if there was any response to my question, but I got none but big extra charges for being late. One I marked out my address and returned the bill. From now on they will be trashed without opening unless I see a letter that appears to not include any bill (I destroyed the credit card long ago). If they can explain that charge and I recognize it, I will pay only that original amount, never any penalties.

I just want to inform other consumers that this is not the company to choose. Today I found out that I went over my credit limit by approximately $7 on my current bill because of interest charged by Capital One and that they have reported me to the credit bureau. The reason I went over my limit was because the interest rate charged to me was raised. Looking at the small print on my previous bill, it looks like I was in fact informed of this my 3-year promotional rate expired and I was informed one bill prior, in small print. When I missed that information and calculated the interest to be charged on my April bill, I miscalculated and as a result my bill went over the limit by less than $10. But I was reported to the credit bureau anyway. Doing business with Capital One has now harmed my credit rating and my future financial plans. It's done me much more harm than good.

Here is the situation from the start. I have a Capital One Journey card which I have been using it for the past 5 months. I have a credit limit of $300 and an interest rate which is messed up. So I have decided to speak to the customer care and get my credit limit increased or get a lower interest rate. The customer care representative was very unhelpful saying we cannot do either. He however said that I was enrolled in the "credit steps" program, meaning my credit limit will automatically increased upon 6 months of regular payments, to get this, $350. Hardly unable to contain the excitement, I asked if I could get another credit card which does not have so many overwhelming benefits, he said I could get another card and close this account.

I got a Capital One credit card about 15 years ago with a 10% and a $6 dollar monthly fee to keep the interest rate low, but the interest rate was gradually increased to a whopping 23% without being late a single month. Do not use this greedy company! They are a rip-off!

I took my fiancee out for her birthday and decided to get her something that she always wanted. The store credit card machine wasn't working; try to use the atm. Found out that Capital One close my credit card for the day. I called and they inform me they can't do anything, I have to wait till midnight. It was so humiliating that I couldn't get my fiancee her gift. Now I know that they are useless. How can I not unlock my card if I call and give proof that I am the owner?

When I attempted to buy a gift card in Baltimore, my purchase was declined 4 times. Upon calling Capital One I was given the reason for the purchase being declined. It was because I used my card in Virginia the previous day when I rented a car and then used it in another state, Maryland, the following day which is inconsistent with my past purchase history. When I was able to verify my card was not compromised, I was told the card would be reactivated.

Capital One bought out my Discover Card. After one hour on the phone trying to link the accounts, I was denied. Called Capital One and after talking to 5 people no results: "pay me by phone", even though my account has always been paid online. What the hell? So, I guess they don't want my payment. Who has time to sit on the phone for 1/2 hour trying to pay a bill? Not fair. I will close my Capital One Accounts. Who needs customer service like this? Then they tell me if I don't pay it by phone. I will be charged a late fee. Nice Bank!

I called Capital One credit card company to let them know that I was about to travel out of the country and wanted to use my credit card. They quickly noted the account and said I was all set. Then they transferred me to someone saying they needed to review my bank accounts as well. The bank representative told me I could "upgrade" my checking account to an interest bearing account for free and without changing my account number. He told me there would be a minimum balance but that the minimum only needed to be met on the statement end date.

I pay my balance in full every month, but had fallen behind because I was busy. I had already made my payment (in full) via online checking on March 27, but Capital One had not yet received it and put a freeze on my account for being late. Miles from home with nothing but my skateboard, the card I thought I could trust LEFT ME STRANDED without any way to get my car out from an oil change. This is inexcusable. I have a $5000 "credit limit" and just because I was behind on my payment was no excuse to freeze my account. I asked the poor lady on the phone if I had been in the middle of the desert with my family and it was the only card I had if the story would be different. She said NO, they can't unfreeze your account unless you make a payment. I will quit using my credit card and find someone I can trust to always be there, even if I miss a payment.

Capital One East Village Branch (Second Avenue and 9th Str, NYC) - They commit a fraud by luring the existing customers in on the false premise that there are higher interest-earning accounts; open a new account, which is earning you way less; and transfer your money from the existing accounts into the new inferior account. There is a criminal intent, and the Branch Manager, **, forces his employees to participate in this fraud while denying everything when caught red-handed. Do NOT patronize this branch!

Tried numerous times to explain unwanted products getting sent every month. Refused to reimburse me money due to closure that was under terms and conditions.. so over 400 they lost my business. Kept getting unwanted products every month. Spent numerous wasted hour on the phone. At first was promised reimbursement... to find out that was a total lie to try to keep me from closing my acct.

I previously had a card with Capital One. There was a balance remaining on my account. I have now paid the balance. I spoke to customer service before I paid the account and I was told that this will be removed from my credit report (shame on me I forgot who I spoke to). I have just reviewed my credit report and to my amazement, it is still on my credit report. I was told by customer service today that it is in their policy not to remove this off the credit report. Shame on you Capital One. I am now attempting to purchase a home as a single middle class single mother, and with this on my report it is very difficult to purchase a mortgage. Thanks a lot from your cooperation insensitivity.

Today I had a terrible bad experience in the Capital One Bank in Cheshire station just around the corner from my house. When I approached to the teller I gave her the check to cash. I must say that I do not have an account with them. I have been working in this company for over 1 month and get pay weekly. Yes every week - the same company check I have been cashing on Saturdays. Seems to be that something was wrong with that check so she went to ask the manager. At this moment I do not know what's going on because she just left me there hanging so I just waited and she said, "This check does not have your complete name so it seem to be fraudulent." I told her I have been cashing this check here for at least 2 weeks. She said "It's missing your complete name." I told her, "I am sorry but last time they ask me to write down the name." She said, "We can not ask you that and I do not want to see it if you write it."

I have not been able to access the online payment for my account for the past 4 weeks. I have called several times and the only thing I hear is apologies. Customer service and the manager told me that they have no idea when the problem will be solved. Meanwhile, I have no access to online payment and have no idea what has been paid. I have most of my bills paid online and I am now completely blind. I receive a letter from a creditor saying that they did not receive payment and that my name would be sent to credit report. I have always been happy with capital one but this is too much. I cannot believe that I am not able to manage my money and that capital one cannot fix it in a timely manner. This is unbelievable.

The balance on my account was paid in full before the end of the billing cycle. Capital One sent me a bill in another billing cycle for $5.04 in interest. After arguing with them, and them admitting that yes, I am correct there should be no more interest. I will not see a credit on this card for 1-2 billing cycles. Therefore, they expect payment of $5.04 which they will credit back to me in 1-2 billing cycles. Needless to write. This account is now closed!

I walked into a Chase branch and asked for an up-to-date interim statement and they happily obliged. I needed it to send to a government department. I went to Capital Bank at 176 Broadway, NY, NY 10038 for the same purpose and I'm not sure what your Relationship Banker ** meant by saying "I can't do this - too simple print off of transaction history" since this up-to-date document was requested from the government agency. When I asked her to speak to the manager, I was told that since she could not handle the transaction, there is no one at the branch who could assist me. So, I went to another Capital One Branch and got this up-to-date statement printout within a few minutes.

Fri. 14 Mar. '15, received phone call and email indicating possible fraudulent use of my card. They were correct and that's a good thing (especially for them, since they must pay for unauthorized use). Card cancelled and new one was to be sent second-day priority via USPS. Tue. 18 Mar. '15, no card (but the nearly indecipherable USPS tracking site said "delivered!"). Wed. 19 Mar., I called and informed Capital One about the "delivered" message AND no card. I was assured it would arrive "tomorrow" - or Friday by the latest. Thursday, no card. Fri., no card. Sat., no card... So much for second-day delivery! Fri., no card. Called Capital One and demanded to speak with a supervisor. An hour later, I was told that the new card was lost in the mail and that they had cancelled it too. A NEW card was to be issued and sent (are you ready for this?) SECOND-DAY DELIVERY via USPS!!!

I called to explain to Capital One that my husband was in ICU and has been since 2/28. I explained that we each pay our own bills. Not seeing his bill, I waited until I received one in the mail and discovered the March payment wasn't paid and thus he received a $25 fee. I begged them to reverse it and that I would pay the balance plus the interest due. They refused saying that they could not discuss the account with me without a POA. But, they were perfectly happy to take my money for his bill. Ok, I realize they cannot discuss the account. I offered to send proof. To no avail. They refused to lose their $25 which really would have did better to chalk that off to PR for the company. So, I will eat the $25 fee while I struggle now to pay my husband's medical bills.

This bank is SO SORRY!!! For instance, they can never correct errors to your account right away. On two separate occasions, I contacted them to let them know that we were charged in error and asked if they could correct it. Once was when my mortgage was due. This account is used for bills only and we only deposit what is needed for bills. Well, they wouldn't correct it and told me that when the check comes in for my mortgage, it would bounce! What I can tell you is this, Capital One's customer service cannot compare to that of Chase.

I paid down one month but Capital One bank still not update balance to my credit report to credit bureau? How long does it take they do that often? I am not happy with this service. They suppose to report every 2 weeks or less. They try to slower the service.

In December 2014, I inquired with Capital One about balance transfer offers and was informed that I could transfer a balance from another credit card to Capital One for $0 Fee, 0% APR and no expiration date. I completed the transfer in December 2014 and in February 2015 I was charged APR. When I contacted Capital One, they informed me that it was transferred at the 22.9% balance transfer rate because the rate/terms that were quoted to me did not exist.

I have an account with Capital One. They were always very nice and I was always happy dealing with them until they sent me to apply for a business card. I did and they refused me. They are terrible.

In December of 2014 I was given a refi rate of 3.75% but was told before we closed and the rate I would be eligible for a one time 3.625. On January I received a call from Capital One 360 saying the rate went down to 3.625 and on that assumption only I said let's go ahead. I closed on January 23, assuming all the documents were in place. But in a letter dated to me on February 12, 2015, a letter of designation stated my interest rate was 3.75. I called my loan officer and he said it was wrong and would be corrected. But he or anyone else refuses to take my calls and, in fact, they have had their phone number changed and no one will speak to me. Even the CEO refuses to acknowledge my email.

I applied for a new credit card to try to rebuild my credit. I have been waiting for over a month for the card to be mailed to me and I have yet to receive it. They have sent the card 4 times so far with no prevail. When I call them up to ask where it is, or if they have a tracking number, they always tell me to wait another day to see if the card has come in. I have filed a investigation with the Postal Service and so far nothing has turned up. Also every time I call Capital One, a foreigner who barely can speak English answers the phone. When I ask to speak to an American I get another foreigner.

I've only had this credit card for about a month and I wanted to pay off the balance I had so I used their mobile app to make the payment. A couple days later the mobile site said the payment was returned so I tried it again a week later thinking maybe it was too soon to make a payment and the same thing happened. I called customer service and the lady said it was my bank’s fault the payment was returned. I called my bank and they said it wasn't their fault because no payments from Capital One were even debited from my account and they were right it didn't even show up in my account. Not wanting to take a chance on someone hacking my bank account I put the balance on my Rushcard and tried again to make a payment and the same thing happened "Payment Returned".

Just wanted to take a moment to warn customers. Capitol One is the WORST COMPANY I have ever dealt with, their customer service was so atrocious. I was hung up on multiple times and had to call back. I am not someone who normally leaves negative feedback but my experience as a customer with this company was awful. Never willing to work with customers and taking a rigid attitude on the phone, I have to say that after years of being in good standing with the company I WILL BE TAKING MY BUSINESS ELSEWHERE. I will also be telling all my friends and family to avoid this company's substandard service as well. After years of paying on time and remaining in good standing, the company obviously treats customer loyalty with indifference and ignorance. ABSOLUTELY AWFUL COMPANY!!!

Every month until now I've paid my bill weeks early by phone. This month I had to wait until the due date. I call at 8:30 pm to make my payment on this due date and I am informed that payments after 8 pm would be received on the next day making this payment late. I am left with no other option than to accept that my on time phone payment be regarded as late with no recourse and having to grin and eat the fees.

They sent me several credit card offers, finally I applied and got one. They bought ING free checking accounts, I had one so I ended up with them too. I then opened business acct and business credit card. Everything was fine and all of a sudden they closed my business acct with no clear reason? I call but no one knows, finally stated I violated deposit rules? What rule, won't tell me? I insisted but kept getting this mystery answer. Even worse they started closing my other accts that has nothing to do with my business acct?? I went crazy asking for explanation but got no better answer. I had the online access only to my accts and when they kept closing them access was restricted immediately before I was notified, I could not verify final balances? I paid my credit cards at end of each month, last one they closed I did not pay because could not verify balances. Now I have collection that hurt my credit.

I found out in December 2014 there was a judgement from Capital One and its law firm against my ex-husband's house that I did not own. I called them to tell them I never had a Capital One card. The law firm told me that I could fill out a fraud package. We needed the judgement removed and agreed to pay the account off on the word that we would receive a refund should it be deemed in fact fraud. Well December they issued a satisfaction of judgement then 2 weeks later they issued a vacate satisfaction then issued a vacate judgement on the grounds that it was fraud. We paid them $2700. Now I contact Capital One over and over the past 3 months to find out today that since I made a voluntary payment they will not refund the money even though it was identity theft. So someone stole my information and now they stole $2700 from us. So mad right now I have an attorney looking into it.

They have INCORRECTLY applied CHECKS WITH INSTRUCTION letter INCLUDED to be applied to PRINCIPAL PAYMENT ONLY as regular payments and keep taking interest. Their excuse is "Well that is just our processing center. They can do it wrong sometimes." WOW! Way to go for taking responsibility and I have to BABYSIT my transactions. If you call in to apply a PRINCIPAL ONLY payment... they send you an EMAIL that doesn't state EXACTLY WHAT the payment is for and you are left with nothing but HOPE that they apply it correctly. RIDICULOUS. I will Never borrow from this company again.

I have been dealing with 2 capital one cards that have only a $300 limit each. The cards originated with a different bank each then became capital one. They allowed fraud and then allow more and more fraud to go on. Now each card owes over $1000 and they don't help at all. They are charging fees etc. I was not allowed more than the limit but apparently someone committing fraud can! They now expect me to pay for all of this after they were given proof of the fraud. If not, they will mess up my credit! Terrible and they are basically blackmailing me that if I don't give them a few grand they will destroy my credit!

On February 14, 2015, I received my bill statement and found out that I was charged for late payment and the interest but I've always paid on time when I rec'd my statement. Then I noticed that I did not receive the statement prior to the month. Therefore, I called Capital One on the same day about my bill statement for the late payment and interest fees. The customer service was helpful to waive the fees and I was happy about the service at that time. However, ever since that day, I could not use the credit card, all the transactions were declined!

I had someone make charges to my card without permission. The company making the charges stated they had authorization. I asked for a signature or recorded conversation They did not have this. Even though they didn't have authorization, capital one still made me pay the charges. I spent days and hours on the phone and faxing paperwork to no avail. I have since closed both credit card accounts with them and will never do business with them and do not recommend that anyone should.

Made my payment online $25.00. Then I checked my bank 2 weeks later. It shows that Capital One took out over $800 dollars. I contacted Capital One explain problem. I was informed that I had to contact my bank and then we were put on a 3-way call, Capital One, myself and my bank. Then the gentlemen said I had to wait 72 hrs. to get my money transfer back into the bank. There goes my rent for March. Is that true, 72 hrs. for my money to go back into my bank?

First of all, has anyone noticed that all the positive comments use the same language? Almost seems like the person(s) writing positive reviews are one and the same. Anyway I have noticed that when I have called to inquire about the OVER LIMIT FEES being charged when it is Capital One's OWN INTEREST RATES that bring you over your limit, not purchases that you made, they were quick to waive the fee. Good and the rep. waived an additional 5.00 off, which was good of her when I didn't even ask. However, why, why, why does one have to go to an external company, either for a consolidation loan to pay off credit cards or use a consumer debt company to help? I have been with Capital One for over 17 years. Loyalty? No way. I have paid off the balance on several occasions, now I want to do the same. Apparently it will take me 32 Years and 4 Months if I only pay the min.

I received my pre-approval letter for the Quicksilver card at the beginning of January. I've been trying to rebuild my credit so I figured a card with a low limit that would be simple to pay off each month was the way to go. I received the card, activated it and everything was just fine. I received a call yesterday from the Fraud Department telling me that they needed to verify something on my recent application and I received a case number. I called back this morning and I was asked a whole litany of ridiculous questions, including what car was registered in my name. I was then told that I needed to send them copies of my Driver's License, SSC and a utility bill. I told them that I would not send anything like that through the mail and "Tom" with the very heavy Middle Eastern accent told me that I could visit any bank and have them do an identity verification.

We had a joint checking account with Capital One. On February 12th, 2015, we received a letter in the mail stating Capital One would be closing our account effective that day. No information as to why was given, nor any number to contact someone. I went to a Capital One bank the following day where a banker checked our account and told me that there wasn't any notes on our account saying it would be closed. He said the letter might have been an error, and he didn't see a reason our account would be closed. A week later on February 19th, 2015, my debit card was declined four times. I called Capital One customer service and was told our account was in the process of being closed, but I could not be given any information as to why.

I have called Capital One to confirm that there is no interest charges for 12 months and response was no there is no interest charges for 12 months, I start charging the card since there was no interest, even I paid off Forest Lawn memorial park payment. And guess what? when I receive my statement I see they charge for Interest rate. I called again and the rep couldn't help me, transfer to supervisor name Michelle. She said she doesn't see record showing that I called. Isn't this wrong? I am very disappointed with this company. Forest Lawn had less interest rate than capital One, how stupid can I be to pay of with Capital One card that has 22+%. I wrote this so people can know and do not trust Capital One credit card.

Been dealing with them since January of (2008). Never had any problems with them before now. Doing this, I sent them a check from CitiFinacial to pay out the balance owing on my Credit card. I have done this 5 times since I have had a credit card though them. Throughout the years, got a personal loan through Citifinacial to pay off my balance owing on my Capital One credit card. Before once they receive the check, right away my credit limit was back up to a $1000.00. I had my account set up online, to keep track of it, because of fraudulent activities that were put on it a couple of years back.

I never post bad reviews, NORMALLY. I am all about positive feedback. However, customers of Capital One need to know that Capital One is deceitful. When you get behind on your account they will send you a letter stating you have until a specific date to pay, or it will get closed. Well do not trust that letter. I had some financial hardships and got behind a couple months, after having the card for 5 years, paying it off every month or close to pay off amount every month. Well they sent me a letter stating that if I make a payment by February 11th will be put back in good standard, so they say.

Just like a lot of people here, I too was cheated out of $300 by this bank. I received an offer for a pre-approved secured card in the mail and I took the offer up. I called the 1-800 number, gave all of the information about myself they asked, transferred $300 from my Chase bank account and waited for the card. When it arrived, upon calling to activate it, I too was transferred to the fraud department and told my account wouldn't be activated until I supplied them with my SS#, Driver's license and a utility bill because they had to confirm that it was indeed me calling them.

I requested new credit card and I was waiting 1 month for it. I called 3 times for shipment and they said they send it, but I never get it. Very bad service, super disappointed.

I have had Capital One checking and credit card for over a year. My credit score went from 525 to 625. I received 2 rewards checks, one for $84.00 and one for $30.00. When I had an unauthorized charge on my credit card or checking, they worked with me to get the problem resolved. They have done a few things that I didn't like but overall, if you stick with them they do give you rewards and your credit score improves if all payments are made on time. Also, the bank staff is always friendly and helpful. It's rare that I take time to give good reviews but I think that they deserve it because they have always been fair with me.

I called Capital One to ask some questions about my credit card account. When I dialed their number, which I had gotten off of their website, I was greeted by an automated message prompting me to fill out a survey, which I did. I thought it had something to do with Capital One since it didn't give me any other options. After a few questions I was told I had won a free cruise and someone from "Holiday Cruise Line" answered the phone. I told them I was just trying to reach my credit card company, did I dial the wrong number?

I have received charges on my Capital One Costco Mastercard from Brazil in the $1000 of dollars. I live in Canada. The Groupon account not mine so they found my card number and was able to use it with their Groupon account. I called Capital One in Canada and because the transaction is pending, I would have assumed that they could block or cancel the charge the same way that Visa does. But nope...they said that the transaction will go through and could take up to 90 days to investigate! And no guarantee that they can do anything! Bad on Costco to partner with these clowns! Nothing good to say about Capital One. My card is overdrawn and not usable! Also read Capital One small print -- they are not liable for anything! I will cancel this card but will have to wait for it to get sorted out first.

I have had an account with Capital One for many years. In July 2012 my mother was diagnosed with cancer and came to live with us so I could take care of her. I was also taking care of my two children and working full time so I was definitely distracted and made late payments to my credit card companies. In December of 2013 I was diagnosed with cancer so things got even more complicated. Luckily I had gotten a cancer policy on my insurance which let me pay off my 457 loan at work and get a new one to pay off all my credit cards.

I opened an acct in Nov with Capital One. It's been a nightmare since then. Most banks make funds readily available as soon as the acct is opened. Not Capital One! My employer kept trying to deposit into that acct for 2 months, never went through. Finally went through & I still can't thought money. I have had to borrow and borrow. I also had to have my employer mail me a check, just so that I could pay bills and feed my kid. I had 2 deposits to come in on last Tuesday. Here it is another Tuesday, & I still don't have access to this money.

I had applied for a capital one card to build up my credit. (My score started at 560 or so, and they recommended this particular card for that very reason). My credit limit was $300. I downloaded the capital one app so I could pay my card online using my checking account. After a couple of times using the app to make payments, I noticed that they were being 'denied' or 'sent back'. I never got any alerts or notifications deeming this to be a fraudulent matter, so I decided to forego the app and use my bank account app to pay them from there on. About 3 months later I go to use my card and it's declined. I thought it was weird, so when I got home to access my account they said it was restricted.

Due to a severe illness, my account with Capital One went over 120 delinquent. Late last fall, I contacted them to make arrangements to get the balance back below the credit line [I never used the card to cause the account balance to go over the credit line but the interest and late payment fees quickly drove the balance up] and agreed to make large minimum payments to bring the balance back down. I checked on the progress via their website. Yesterday, when after my last payment had posted to the account, I called to ask why the 'currently restricted' notice on the available credit balance was still there. I was told that even though the account was NOT closed, it would never be opened again as their policy no matter what the reason or efforts made is that once the account has reached the 120 day period the account is closed to future use.

On Capital One's 360 Security Page for online banking, they assure us that our money is safe. Feel secure? Well, don't. Capital One 360 will let fraudulent charges pile up and do absolutely nothing about it. Plus, once you do find out, they will not reimburse you no matter what type of proof you have. I didn't open a Capital One 360 account, ING Direct became Capital One and I was an ING Direct customer. I had qualms so I left some money in thinking I could use them for online purchases. Huge mistake! Huge. And it's cost me over $400. I have a clue when it began.

Since I started to use the credit card with Capital One, I've never had any problems, excellent customer service, flexibility, perfect orientation, detailing everything. Speak very good English and Spanish. For me it is the best option and also for beginners. I love it.

First day my temp debit and ATM card did not work when I tested it as advised by my account opening person, Rymon **, Herndon CapOne. I called the 800 on the back, lady said it looked as if the number had not been entered, nor the permanent card order. She ordered a perm card (again). It never came. The first two checks worked. Third, Capone returned my rent check even though I went down there and vouched for my draft, knowing WellsF would run through again--two more times. Now those two dates for return were always covered by more than the amount. I have heard, "Check's in the mail," "it'll probably clear up in a day or two," "don't call us we'll call you." Anonymous Capone berserker O.G. in my wallet has not called to explain why simple arithmetic won't work anymore in the banking business.

I opened a pre-paid credit card to build credit. You can never spend what you have not loaded. I pay close attention to my due dates. Bill is due on the 12th and the statement prints on the 15th. So I look at my transactions each month about 2 days before the 12th, so around the tenth. I pay the entire balance and try to leave 30 or 40 bucks outstanding just to show rotation. So I make a payment on the tenth and another before the statement prints on the 15th. Immediately they take close to 400 dollars out toward pending transaction.

CAPITAL ONE ONLINE BANKING HAS NOT WORKED FOR SEVERAL MONTHS!!!! FOR MONTHS: "Sorry for the delay but we're working to fix a snag in our Online Banking system. We'll be back shortly, so please log in a bit later. Can't wait? Call us at 1-877-442-3764 any day between 7 am and 11 pm EST." REALLY???? FOR MONTHS?!

I have a plus 800 credit score. I have several credit cards that I always pay off in full every month. When I have applied for a credit card I have always been approved immediately. I applied for a Capital One credit card in late December, mainly to use in a foreign country as they do not impose an International usage fee. For whatever reason they could not approve me over the phone but I did get a letter of approval dated Jan. 2, 2015, with a $10,000.00 credit line. I was leaving for a two week trip on Jan 12 and did not receive any other mailings from them prior to that. Upon my return I received my two weeks worth of mail from the USPO. In there there were three letters from Capital One. Two dated Jan. 12th and the third containing my new approved card.