Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Credit card refuses to lower interest rates on closed accounts.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I recently added a personal bank account to my Capital One account in order to make an online payment. Somehow, the Capital One online banking system associated my personal banking account with my husband's Capital One business credit card and allowed my personal bank account to show up as the primary payment option for the business online payment. The bookkeeper, never suspecting a change in the primary payment account, automatically selected the primary account for payment, causing a large, business-size payment from my personal checking account and sending it into overdraft.

In March 2011, I called in to have my credit card account closed. I made a payment of $37 or $39 over the phone with a Capital One representative and I was told my security deposit will be applied to the remaining balance and the account will be closed. In May 2011, I contacted Capital One and was told the account was closed. I didn't think anything else about it. Well, in November 2011, checking my credit so that I am able to get ready for my home purchase, I noticed that Capital One was reporting me not only as 30 days late but 60, 90 and 120 days late. This was upsetting to me because of the requirements for Home Buyers.

I am writing your office to file a complaint regarding the mishandling, dishonest character and unprofessional business ethics of Capital One Bank that I have been exposed to during my business dealing with your Relationship Banker Ms. Christy ** NMLS #**. On October 31, 2011, I attempted to utilize Capital One Bank's promotional offer to open a checking account with direct deposit and as a consolation, I would receive a $300 credit to my account upon signing up. However, to my disappointment, my new account has not been credited at this point. This display has led me to believe your personnel do not uphold the business ethics to process banking transactions in a professional manner. The fact, it indicates the actions of fraudulent behavior within the Capital One Bank.

I asked to close the card. I had to speak with 3 reps but finally, I did it. Three weeks later, I discovered it was not yet closed! I did the whole nasty procedure again and now, they need 2 months to send back my secure deposit.

First, I have "opted out of overdraft protection" on my checking account, which should mean that if I don't have enough money in my checking account, the transaction is rejected (which is what I want). Second, I still get whacked with overdraft fees a couple of times a year, even though I've "opted out" at least 4-5 times in the past 5 years. Third, they flat-out refuse to reverse the bogus fees because of fictional "technicalities" (Once, they told me that the "opt out" doesn't apply to weekends; another time, they said it doesn't apply to credit transactions, only debit.). Seriously, guys? Fourth, I have a savings account with them that has never gone below $3000. They refuse to link the savings account to the checking account and simply take the "overdraft" from my savings account. They are a terrible bank to deal with.

Point redemption - I reserved 5 nights (May 14-18) at Holiday Inn Express in Fayetteville, Arkansas 1251 N. Shiloh. You deducted 51,640 points. When I checked out, the total room charges were $438.95 or 43,895 points. 7,745 points needs to be restored to my account. Please advise.

I opened a secured MasterCard with Capital One with a $200 credit limit and had to pay $49.00. I paid the money and two weeks later received my card. Approximately, 1 week after receiving the card, I tried to activate it. Well, of course there was a problem that I was not aware of. The representative told me something about verifying an account. So you take my money from an account just to verify it. Why didn't they verify the account prior to taking the money? It makes no sense to me.

My interest rate skyrocketed last year from around 15% to 22.90%! I called them to complain because I have a credit rating between 680-720, depending on the agency, had the account for 9 years and never missed a payment. They reduced it temporarily to 12.9% for the next 7 months. Now, as it jumped up again to 22.90%, they wouldn't do anything. Because I had been holding onto this balance while I was paying another off at higher than 12.9%, I simply decided to close the account and seeing as the interest is 22.90%, I will just make it my priority to pay this one off first.

Wow, flabbergasted at the lack of willingness to work with customers. Just want to say I am very happy that I am getting rid of Capital One. Horrible customer service when mistakes happen. I was TDY with the military and paid off credit card beforehand. The vendor, which was not supposed to be billing my card messed up, which they owned up to it which is good and I am willing to pay it even if they messed up. Capital One was unwilling to work with me on the late charges, even when I have been a longtime customer and others messed the transactions up. Even when this customer has been with Capital One for 10+ years. I paid off the card and closed it down. I will never work or do business with Capital One again. Please take me off from all advertisements, offers, etc. In the past, Capital One has not been helpful, had to open another card with another company that gave me what I needed. Very dissatisfied with Cap One policies.

I have several chronic illnesses and deemed disabled. I had been paying into the protection program monthly for many years. Being on a fixed income, I had to "tighten the belt" and communicated to reps that I needed to work out a solution. After several months of making monthly payments I couldn't afford to make (borrowing money), a rep finally informed me that I met the criteria for my protection plan to kick in. My doctor and myself filled out the application form I was sent. I received a letter several weeks later explaining that I exceeded the time period allotted to file for protection.

I am going to see what I can do legally about harassing phone calls as amusement, I guess, by your inadequate employees who call people at home that don't even have a account with you. I have documented 127 as of these last two months. I have told them several times that the person they are harassing me about does not live here. So I want someone to tell me, why in the ** are you, morons, calling my number for?

I got a Venture card in the mail that I applied for and the day I got it, I called to have it activated but was transferred all around. So, I called the next day and they said that my account is closed because I didn’t open the account. I have my valid ID, a work ID, my social security card, my medical card, also my JC Penny’s and Kohl’s card, not to mention my Don Roberto’s card. I could have faxed them copies of one or all my info but the representative didn’t want to hear any of that. She took it upon herself to decide and say it was fraud and closed my account.

My vehicle was repossessed over a misunderstanding, but I paid everything that I was supposed to pay in fees. When I received my car statement, it had a fee of $365. When I inquired to Capital One about the fee, I did not receive a response. I would seriously like to know why I am being charged this fee. I have another fee that I have to pay which is late fees which is much less and I understand, even though I did not know that they charge you when you are late. But the bottom line is the $365. I want to know why do I have to pay this fee.

While on an extended vacation to France which we do every year, someone charged $25,000 on our Capital One card at a retail store in Dallas. We got to talk to people in India we could not understand and were unable to understand and help us. We could not talk with anyone in the States no matter how hard we tried. When we returned to the States, Capital One treated us very badly and we cancelled our cards. We only got the card because of the no fee on foreign transactions. As we understand it, the merchant suffers the lost, so Capital One really doesn't care. We are trying PenFed this year and they have assured us we will always have someone in the States to talk to if we have any problems.

I activated my card and attempted to use it. It was declined not just once. But I tried again after speaking with RJ (he doesn't speak nor understand English) and it was declined. He could not understand that I had the travel planner on the phone while working with him. He wanted me to manually enter the number. Duh, how else was I going to do it? I plainly explained that I was on the phone with the company. After multiple attempts to clearly explain to him that I was on the phone with the merchant and that they would block all credit cards if I continued to get declined on this card, I just used a different card and said to just cancel my card. Again, he didn't understand this. I would much rather use a dependable merchant than this credit card. Also, that was over 30 minutes of my time that was wasted as well as the time of the merchant that I was doing business with.

I obtained a secured Master credit card from Capital One in the amount of $800 limit. Two weeks prior to the payment due date, I was receiving email notices to make a payment, which I declined to do. Payment was due on April 6, 2012 and I paid the entire balance of $731.80 on April 3, 2012. The next time I tried to use the card, it was rejected. After a couple of online chats with bank personnel and a couple of phone calls, I was informed that a temporary hold had been placed on my card. Since I had no prior notice or reason for this action, I cancelled the card.

I was in drive-thru cashing my payroll check from Lufkin Lanes, in which I'm a signer on that account. There was a new lady in the drive-thru. I did not have my tax DL with me, left it out the house this morning. She would not cash my check. That's cool, she did not know me but Nina who was standing beside did not tell her who I was. It made me come inside when it's pouring down rain outside. Nina had a bad attitude, dry person as usual. On top of it, I go to this bank everyday and it is the slowest drive-thru bank in Texas. I know it. You guys should really look into this, as well as your employees being friendly. If this doesn't change, we will take our business to BancorpSouth. Your choice.

When going through a divorce, I entered into a Debt Management Plan to pay off my credit cards at a lower rate. I have had 2 cards with Capital One for several years, and I have rarely missed any payments until the divorce and separation. Once I got spousal support started, I was able to pay regularly via the DMP, and I have not missed a payment for 2 years. My support payments end soon, and I've been looking for any way I can squeeze a few dollars off the budget.

I have been with Capital One for quite a few years now. I have almost always paid on time and paid more than the minimum amount. I've been late maybe 3 times in 5 years; once because their website was having difficulties, once getting back from vacation and once just screwed up. The screw up was this month, so my complaint actually is from before that.

I was trying to rebuild my credit. I had a Capital One card for a full year with a balance of $200, which I paid in full every month. Since my 1 year of service had gone so well, I decided to up my credit limit to $2,000. They said it was "quick fast and easy!" That is where the nightmare began.

I made several purchases nowhere close to the $500.00 that was given to me. One day, I made a $45.00 payment; and they took out $450.00. It took almost 12 days to get my money back. Now when I make a payment on my bill, if the minimum due is $16.00, $10.00 or $12.00 goes toward interests and a small portion goes toward the balance. I think it should be the other way around. How come, card holders, they continue to rip you off? I hear a lot of complaints about Capital One, and when I tried to get my money back, some of them were very rude to me. They offered $10.00. I want an attorney to contact me.

Account fraud from business in Queens area: A spokesperson for a business forced me to give him my social security number in which he stole my name. I alerted Capital One to it in which they offered no help as of now. My account with Capital One has been closed. I had to put a credit alert. I lost my job and no money. Please, refer to my account **.

I own and operate two businesses and am preparing to start a third. I write Capital One checks for purchases of materials and supplies for one of my companies. On April 3rd, I checked my credit limit on my card and the amount available to me was in excess of $6,200.00. I wrote a check and deposited into my bank account. I then purchased several thousand dollars of materials. On Sunday, I received an email from Capital One stating they would not be honoring their check and the check was returned as insufficient funds. My credit has now been adversely affected. I have been a member with Capital One for over 10 years and never - never has there been an issue of me not paying my debt on time and in full.

Capital One wrote off a charge that was supposed to be mine for the calendar year as they claim they’ve forgiven a debt of $2159 which was not mine! I have filed a complaint with the sec as my identify has been compromised, but I cannot tell for how long! Somehow, my SSN was stolen by a person in MD who filed a tax return with the IRS, thus the other problems. I believe Capital One gave out personal information on me which in essence caused my ID theft.

In January of this year, I discovered that several fraudulent charges were charged to my account. Capital One initially removed the charges after finding out they were fraudulent, but turned around, re-charged me for the same fraudulent charges. They claimed they have taken the charges off, but the amount is still on my account and they keep sending me the same letter over and over. I work in the legal field and plan on filing a complaint. This company is garbage and I will be closing my account.

I have a Capital One credit card. I called and gave twice the amount of the minimum. I have two credit cards from my banking institution (one Visa and one MasterCard). I called and spoke to a live advisor and told him that I wanted to make a payment double the usual payment. They said I had insufficient funds, even though both cards are for one account. This is the second time I went through this with Capital One. So, now I’m stuck with over the limit fees with double the minimum. I am sick of it. I like to pay all my bills on time and it’s affecting my credit rating. Please never get Capital One - not even to buy a roll of toilet paper.

I've been a Capital One card holder for close to 16 years and I was just treated like it did not matter. I have always paid off my balance every month and have not had to pay any interest. I recently received a promotional "0% for 12 Months" check from Capital One. I decided to buy an appliance for $3,500 and use one of these checks instead of paying cash. I've used similar promotions from other credit card companies in the past and the special promotion was always broken out separately from the monthly transactions. My plan is to always pay off my monthly purchases and pay extra towards the special promotion so that it will be paid off before the due date.

I called to request my interest rate be lowered from the despicable 18% it currently is. The representative would not accommodate my request, and when requesting to speak to her supervisor, she flat out refused my request to speak to someone higher. She basically stated that she runs the place and that her boss didn't know how to handle customer service issues! I requested over 5 times to speak to someone higher, and she nastily would not cooperate. She even went on to say "You can call back and speak to someone else who will tell you no too!" What a nerve! she basically was trying to pass the buck onto another customer service agent, because she refused to escalate my call!

I was a very happy Chase Credit Card customer. Capital One bought out Chase last June. Customers were told all scheduled Chase payments would go to Capital One during the transition. I had a Chase payment returned to me so I made several payments to Capital One in a recent time frame. I made one $3,500 payment and then made a $3,000 and $500 payment on another day. Capital One did not credit me initially so they gave me a temporary credit (payment adjustment) for $3,500 until the money cleared the bank. I called Capital One when the amount cleared my Bank of America Checking account because I appreciated they temporarily adjusted my balance in the good faith that my payment was on its way. After my call, Capital One removed their credit twice.

That may be the law, but reality at least at Capital One is another matter entirely. I opened a prepaid MasterCard debit card in the fall of 2011. Although I wasn't using it because I was approaching 45K points on my Amazon card and that translates to a Caribbean air ticket for up to $600, I kept adding $500 each month to the MasterCard so I would avoid the $5 monthly fee.

There was unauthorized transaction made to my credit card. I put a dispute to the charges. Within 60 days, the dispute was closed; and Capital One Bank credit card company re-billed back to my account. I am dissatisfied with the dispute decision, and that company re-billed me again. I spoke with several managers at solution department, but no one helped me to resolve problem. Everyone was telling that I must pay the dispute amount and that there was nothing that could be done.

On November 21, 2011, my 2005 Dodge Caravan was repossessed. Arrangements were made for me to get my vehicle back. Upon receiving vehicle back, I noticed paint damage to front and rear bumpers. I advised Capital One and had a notarized affidavit, pictures (of damage), and written estimate mailed to Capital One via certified by USPS. When I called to follow up on my case, they said they couldn't find my correspondence. Now we're in March and Capital One is showing no sense of responsibility at all. My credit report also shows repossession even though I got my vehicle back.

There is apparently a finance charge on my account each month my balance is not paid in full. On March 8th, a payment was made to my account exceeding my minimum due by a sum of sixty dollars, yet my balance is only 20 dollars less a mere 2 weeks later. Now I ask how can this even be legal? I am responsible and make my payments on time, usually more than the minimum due and I only used my card for mostly emergencies such as propane for my house.

I signed up and received a Capital One credit card in late 2009. It has only a $200 limit, mind you. I used it up, paid it off. I have not used the card since October of 2010. Oh, may I add that during that time, the statements were mailed intermittently. I had to request address change at least 3 times. They charged the account with late fees, over the limit fees, of which I paid.

I had a Capital One card and then was laid off work, used the payment protection plan and Capital One placed overdraft charges on my account (I do have original statements). When I was laid off, I never used the card again and when I went back to work, I owed more then what was owed due to fees being placed on my account fraudulently by Capital One. I worked with managers and paid off what was actually owed. A year later, I am in court with them, they refused to talk to my attorney and in court; they have it dismissed as I have all documentation on the fraudulent charges and they do not want to go to trial.

I tried to use my ATM and was denied. I found out that a $9,000 transfer never went into my account. It was later found to be in an overdraft account by accident. Capital One informed me that they were closing my account for reasons they refused to give. They would only say that they had that right. When I tried to retrieve my money, I was informed that it would take five days to get the fund out of the overdraft account. Now I have to wait five days to get another account and change all the direct deposits and bill payments. The bank manager informed me to call customer service and they informed me to contact the branch manager.

I received a call this morning and had a very disrespectful man by the name of James (ID is **) contact me about a late payment. He said, "Why you got an attitude when I'm trying to help you pay your bill, etc." This is because I asked him if he looked in the system to see that I made my payment last night. This man insisted that I had an attitude and began to make obnoxious humor of the situation and advised me to contact someone else if I had a problem with his customer service. Nothing got accomplished and I will inform everyone that I know to never go with Capital One! This agent should be reprimanded!

I purchases fuel at a Petro Canada gas station. I pre-approved $25 on my credit card and began fueling. The pump stopped at $25 which is correct. I waited and waited for my receipt to be printed. Finally, I walked in to the store to ask for my receipt. I received my receipt for $25 (pre-approved). Later that evening, I checked my balance as I wanted to pay my bill. To my total disbelief, $100 was authorized without my consent at this gas station. I called Capital One right away to dispute this and they would do nothing to help me. I talked to Josh, the supervisor, and he did nothing. How can any company authorize a charge without my knowledge and it's acceptable to Capital One? No help, I cancelled my card today. Customer service is below zero.

So, on the 25th I made a deposit to my checking account, knowing that I had an automatic withdrawal coming out on the 27th. The Deposit was more than enough to cover the withdrawal. So on Monday, I see that everything looks okay, but on 28th, I notice that I was hit with 4 overdraft charges. I used the card once on the 25th, and there was money to cover the purchase then.

On Saturday 02/25/2012, I was taking my wife and 21 month old baby to Atlantic city for the weekend. We had a complimentary stay by the Casino (The Borgata). On my arrival trying to check-in, I was told that my debit card did not work. I did not put much though into it, thinking they need a credit card. I used my wife's credit card instead. We went to dinner that evening trying to pay the bill of $160.00 with my debit card again, declined. This was very strange, knowing that I have money in my account and I withdrew $300.00 from a local branch in my area earlier that day. The next morning (Sunday), I called Capital One. I was told that my card was reported stolen. I never called to report my card lost or stolen, my card was always with me. From reading some of the blogs, it seems this happen to a lot of Capital One customers.

My husband and I live in a small rural community. My husband had surgery on February 9 in Flagstaff, AZ. We stayed in a hotel overnight, etc. On February 15 I paid the balance on my Capital One Secured Master Card in full (approximately $900). On February 18 & 19 we went to Phoenix to do some shopping, etc. I bought a new computer, we stayed in a hotel, etc. and charged approximately $1400 worth of charges. When I arrived home on 2/20 I paid the balance in full. I went online on February 21 to make sure my payment was posted. I had already checked with my bank and the payment had been debited from my account and cleared. I found out by logging on my account that it had been suspended for suspected fraudulent activity. I had received no notification whatsoever from Capital One, even though I supposedly have electronic alerts in place. Both the payments on 2/15 and 2/20 were paid through their website. After spending over 1/2 hour on the phone with a 'fraud specialist' I was told I have to prove ownership of the account from which the payments were made. This baffles me. How is it fraud to pay your account balance?

I am a business owner and an expert in ultra-precision machine bearing. I purchased over $3000.00 in bearings from LocateBallBearing and paid with my Capitol One Visa card. The bearings shipped days after my card was billed, although my complaint is that the bearings were damaged from old surplus inventory and could not be used as intended. The merchant was contacted and refused to admit that the merchandise was bad. I sent the bearings back and they signed for them. Next, I contacted Capitol One on the phone and they explained a charge back would take place; more than likely the merchant would dispute it and the charge would be put back on my card and I would need to dispute it again in "phase 2" of the process.

Title of My Car Never Released - Capital One Auto Finance is holding my car's title. They say that I owe $100.00 that was waived by a customer service representative in the English department. When I tried to pay the last balance, that $100.00 supposed to be late fees. That day, the person told me to pay $341.00 to cancel my debt and he waived the late fees in that time. My account was #** and I do not have my title.

Between late December and early January, I went to use my credit card and it was declined. When I called Capital One to find out what was going on, I was told that they have placed my account in to bankruptcy. I inquired why this would happen, and I could not get any answer because this was not the case and I had my account paid in full every single month. After making several phone calls, cancelling a vacation to Las Vegas because my credit card could not confirm my hotel room, and emailing the ombudsman of Capital One, I finally came to a resolution on my account and they give me a $100 credit for my inconvenience.

I had my federal and state refunds processed to go to my debit card account this year. My paycheck also goes to this debit card account, which I have had for over 2 years. My date for deposit of my federal refund, was originally 2/7/2012. The state refund (PA) deposit date was not projected. My next payday was 2/8/2012. The IRS changed the deposit date to the 8th, and my check, state, and federal deposit all go to Capital One, on the 8th, making my daily balance and allowable deposits for the day over the allowed amount. Capital One returned my IRS deposit, even though they told me it would be held and processed the next day. I contacted the IRS, which told me the money could not be redeposited, but would be issued in the form of a paper check, when they received the money back.

Capital One calls me nine times a day asking for a person that used to have this number. I advise them my son and I was just assigned this number. The customer rep tells me that I must be that person because I answer my phone. I advise them to check with the phone company to see who owns this number now and they refuse to remove this number. The next step is I’m going to a lawyer and I will sue! Stop these calls now.

In 2010, I spoke to a representative about opening up a Secure Capital One card. At the time of the phone conversation in September, 2010, I wanted to make sure I could use it for Christmas holidays as it was my holiday funds that I used to open this account up with. They assured me that it would. Now, November, 2010, I am calling and complaining that I have yet to receive my card although they have received $2,000 of my money.

After 11 years and several failed attempts to lower my APR with Capital One, I transferred my balance. Although Capital One received the final payment, they refused to post it, stating that it would post in 10 business days. I persisted and prevailed and want to share my online chat with others who may be having the same problem.

You guys complain too much. I'm sorry if you don't read and ** before you sign up to borrow money from a multimillion dollar company. Or are you telling me you borrowed the money, thinking it was free. Cheap? What? Read **! My favorite is when you guys call and demand your money. Don't ** forget it's no longer your money. You are paying us back for lending you money. **!

I have received 7 calls from Capital One looking for Tammy **. I informed them every time that she does not live here and they have the wrong number and to please remove it from there system. They say it takes 24 hours and they will do so. We are still getting calls. The latest one was when they called and asked for her. I asked if this was Capital One and they said, "Is this Tammy?" And I asked again where are you calling from and the reply was, "This is a private matter. Is this Tammy?" So I asked again where she was calling from and again she said, "Is this tammy?" I finally asked to speak with a supervisor and I was told they would remove the number. I have been hung up on numerous times as well when I say she does not live here. I don't understand how they have the right to call random numbers looking for people. I should not have to deal with someone else's issues.

I ordered a Dell Computer last night. Immediately, Capital One cancelled the purchase, flagging it as fraud. I got a call from a fraud rep within a few minutes after I made the purchase, and I told them I had made the purchase. Dell, unfortunately, put a hold on the purchase. It took me an hour to build that computer. I have never had anything like this happen to me. Capital One has no right to outright cancel an order without checking with me first. Capital One is not willing to rectify the cancellation, saying that Dell must put through another request. I have spent an hour on the phone with Capital One this morning and trying to contact Dell, which is closed until Monday and the order may be cancelled completely within that time frame. That order was within my credit limit. If this is how you treat customers, you will be losing more and more.

I have been with Capital One for over 10+ years. I continually call and ask for an interest rate reduction. I get the same runaround everytime. They say, “We are sorry, you do not qualify but keep your account in good standing and when you become qualified, we will contact you.” I am in good standing and they tell me that. I have been on time with my payment and I pay more than I have to everytime.