Capital One Reviews

I have had a Capital One 360 account for over 10 years with no problems, except terrible interest. I put a hold on my account 2 months ago because someone broke into my Wells Fargo account. I have been trying to take the hold off for over a month and they refuse to give me access to my money. They ask for a picture of my driver's license or passport to re-open it. I have sent over 20 pictures of my license and a least 10 pictures of my passport and they still will not verify them and give me access to my money. I have called at least 20 times!

Absolute horrible credit card company. I made a dispute about a charge and the following day, I called C-one to cancel the dispute because the merchant made good. I asked the C-one rep if the merchant would be notified of the dispute since I cancelled it and he said, "No they would not." Six days later, the merchant called and asked why I filed a dispute. I advised them that I got impatient and that I had "cancelled the dispute" with C-one and all was good.

I been with Capital One Quicksilver for 9+ years. Yesterday (9/12/23) I logged in to make a payment at the end of my normal day, which is also the due date. My bank in which I pay from is verified, been utilized and on-file with Capital One. Per my payment attempt, the website notified me that it's past 8:00 EST that the payment will be posted the next day & LATE. My local time frame was 7:30 CST. So, I called customer service to assist. I received no assistance from the rep/agent or his supervisor with any solution or assistance, just a run-around, even after I approved an instant over-the-phone payment from my on-file bank account within 30 seconds. My options and end result at that point were to call back again the following day and try to request a late fee waiver that is going to be assessed.

Made a complaint with BBB about a CREDIT BALANCE DUE TO ME was told that I would receive a check in the mail that was in MAY. It’s SEPTEMBER now. I’m being told to send a copy of my ID for verification purposes in order to receive MY OWN MONEY BACK. Bad customer service. RETURN MY MONEY TO ME ASAP.

I contacted Capital One on and off for the last couple of years and have had zero resolution finding a solution. Back in 2022 someone with a bank I have never of made a payment on my account. I contacted Capital One and let them know, but they have kept my account closed and will not reopen until I provide to them bank statements from an account I have never been associated with. I even reached out to the bank and they had never heard of me nor have any of my personal information. So I do not understand how Capital One would like me to provide them with bank statements on account that I have never held. Why has my two accounts been closed and cut off from me when I am the one that reported the issue as soon as I saw the payment come through and reported it to Capital One.

They are always available. Never wait more than 5 minutes for service..... The app is easy to use and they take debit payment right on the app and payment post in 24 hours, they increase my credit line as well.

I have been a Capital One customer for over 15 years; I have multiple personal and business accounts. The lack of customer service is appalling. I have had an altered check issue for an amount over $10,000. It is over 5 months with absolutely no updates, I call weekly and they just say they are waiting on the other bank who cashed check to respond. They say they cannot offer any updates and there is nothing they can do. Not once have I received an email with an update. All the different phone reps are not helpful and all the branch managers say there is nothing they can do. I am at a loss. My only resource is to close all my account and bring my business to a bank who really cares about my personal and business accounts. Flushing Bank here I come with more accounts.

Hello, this is the second review in my life that I decide to write. My first one was inspired by great delight with the product. The one, in contrast is ignited by great dissatisfaction. After I quickly realized that my expired as of today debit card is declined in person, online, or cash withdrawals I called the customer service. I was aware of the expiration date is today and that I haven’t gotten a replacement card, for some reason. But I wasn’t too worried about it because I thought that the company has a solution in place in situations like this. Maybe they can give me a temporary card for now until I can get a replacement, or they can extend the use of is one in their system, and that they should have an overnight or 1-2 day mailing service.

Every time I do a mobile deposit, they hold my deposit for 7 - 10 days. This time, after several phone calls and requests to release my funds, they extended the hold on my deposit from 7 days to 60 days. This is NOT a new bank account, I have my non-profit's account, my savings account, and my grandkids savings accounts with Capital One. I have made several larger deposits from this same vendor that this check was from. I will be closing ALL my accounts and reviewing my options.

This is a company that spends millions on advertising and thousands on customer service. The first English phrase their reps are taught is, "I'm sorry you feel that way." I guess the bank is fine if you don't need customer service or an ATM.

I have had this card since September of 2013 and called to speak with the "customer retention" department to be told that the best offer was a $27 credit for a late fee. Wow! I will be paying this card off and transferring asap. Do not use Capital One because they do not value their customers and have a waste of a whole "retention" department who did not even know what I meant by "retention offer". Not to mention when I called during the pandemic and not working, the best they offered was no late fees on missed payments. No payment assistance programs that most credit card companies offer. Just useless. Bye Capital One, thanks for 10 years of nothing!

I’ve had a Capital One cc for over half a year, I was never late on payments, but my card still got cancelled & they sent me to a collections agency before the due date of anything I owed. Garbage company & terrible customer service, will not look back to this company ever again.

Almost lost my homeowners insurance because they did not deliver a bill paycheck. Took over 11 business days THEN they wanted me to wait UP TO another 10 business days to get a provisional credit back to my account. Bank locally. This is paramount to theft.

I just had the absolute WORST experience with Capital One Customer Service. All I needed was a Loan payout letter. The rep told me that she had to reach out to the right department to request it and that there are long hold times (about 30-40 minutes). So she proceeded to put me on hold for about 20-30 minutes. Came back and said sorry for the long hold. I asked if there is any way for them to email/call back or if she could just let them know to send the document to me when they can (I don't even have to have it right away, I just need to request it). She said no and put me on hold again.

Recurring charge was declined due to suspected fraud. Alert was sent to our email. My husband verified it was our charge and yet still declined. When I called Capital One they state it is system generated and the response was not received. There is nothing they can do for me. It, will send a internal note to prevent this happening to other account holders. They claim AI handles it and nothing can be done by the humans who work at Capital One. But, they are really “sorry“.

I reported fraud on my credit card, and they canceled and replaced it with a new one, one month later the I GOT email thanking me for using my old card to make a payment, I don't know if they are working for the fraudsters or what!

Been with this company for many years and had to use it for the first time in forever. I schedule a payment in the morning so it will withdraw from my bank same day, it doesn’t. They hold payments up to 4 days. Even when I pay from bank to them. It causes account to be overdrawn and add more interest. Paid full balance before due date and they give me issues on tacking on more interest even though I had made multiple payments during the month. Their game is to keep people paying more interest and causing the bill to run up when they are trying to pay down/pay off debt in reasonable timeframe.

I have been a long-time customer of Capital one 360. Originally, I chose this online bank because of favorable interest rates on savings accounts. Recently, it came to my attention that they have a new savings account called performance savings that pays around 4% interest. When I checked my bank statement, I noticed the interest rate was 0.3%. I called customer service and was advised to close the old savings accounts and open a new performance savings account and then to transfer the money. I did that. I find it deplorable to attract new customers with these higher interest rates and continue to give loyal, long-time customers an interest rate that is less than one tenth of the new rates.

I have been a Capital One Platinum client for years yet they still accept my payment from my bank then hold the payment for seven days. I ask why and they tell me that is because they are not familiar with my bank. I bank with Associated Bank in Wisconsin, FDIC insured. It is the same run around. They are just reinvesting my payment in a short term financial instrument such as a seven day floater bond to make more money, despite a nearly 35% APR. Not pleased, no other credit card that I use does this to me every month.

I applied for a card. They approved me and sent me the card. I used the card to make sure it was activated correctly. Then I go to another store to use and and guess what. They stop my card due to fraud. I sent in everything they asked me to send them. They tried to contact 2 of my utilities companies and no luck with just that one step verification. I called the utility company on my end and guess what. Capital one say that I couldn't do that. They are the ones who have to contact them. They tried for a week straight 6 times each day and no luck but when I call I get the luck. I just told them to cancel my card and take it back. The worst credit card company I have ever been with. They had me going through all of this for nothing. I understand fraud happens everyday but I wasn't even approved for that much to be doing all of this. I just paid my balance of what I was able to use and cut off ties with the company. F capital one.

Anyone who needs a bank please do not go to Capital One 360, they do not have a real bank branch in the state or any major city ga. Customer service is horrendous. Their security method is horrendous. They truly don't care customers or service. I have been bank with since 07 and I can't even get customer service support over the phone, they keep transferring me to a voicemail. Fraud has been done on my account and they have placed all of my money on hold, they told me to call them however they don't answer the phone, I'm disgusted and disappointed. I have 4 accounts with them and I will end any banking them soon. #boycottcaptialone360

Of all the credit card companies I transact business with, Capital One is the worst! They have terrible customer service who can not help at all when you call - They don't even try. I have had an account with them for over 20 years and I STILL can't get decent help when I call. STAY AWAY!

This has been my only CC and I've used it extensively, the past 5 years. Never, ever, late with a payment. Last month I made a purchase, online, from Walmart. As soon as the order was sent, I received a notice that it was from a company, not Walmart, that I'd never heard of. I realized someone had scammed me. I called Capital One and explained that I had just been scammed. They suggested I cancel the card and get a new one issued. I agreed. It took 3 weeks for my new card to arrive and then it took 3 days to get it activated.

Terrible. 10 year plus car holder. Closed account due to lack of activity and was notified by sending 1 letter - no email, no call. I found it was closed after a failed login. Would not reopen the account. Lost reward points with no solution - would not transfer to new account. Will never get my business again. Dumb policies, no real customer service, you are just a number. Short sighted business approach and no reciprocation for long time loyal customers. You reap what you sow.

After 8 years of having a credit card with no late payment, paid in full every month they closed my account. 800+ credit score, with no debt. Seems dumb to me but I guess I don't know very much. Perhaps they are looking for customers that default or pay late. Still waiting over 60 days for Capital One to issue my rewards back to me that I earned over the last 8 years. Apparently they except me to pay them every month but it's a different standard if the money is going the opposite way.

I was told I would receive my Capital one credit card in the mail for account that was dormant. AT that point I had been a client for over a decade....instead the card never arrived and they had charged me a late fee and interest on an account that had never been used.

This card is my oldest account which is the only reason I'm keeping it. I've never been late on a payment, never gone over my limit, or had another negative mark on my account. I was recently able to pay off most of my debt, including this card, and was planning on keeping it for emergencies only, the interest rate is high and the rewards aren't great. But even with it being completely paid off they just cut my credit limit by half, by over $5,000. So after a divorce and working really hard to get my credit score to over 800 it's dropped to 740 just from this. And I still have to pay an annual fee for it. I wouldn't recommend Capital One to anyone.

They took TWO ACH payments which would overdraw my bank acct l and when I called to make sure only one would be processed, it was too late to stop. I understand that but when they told me the process in which they refund payments, I was beside myself. It would take about THREE WEEKS to receive it. They told me that it would take 5 business days to confirm it cleared my bank, 10 business days before they issue the check and another 5 to actually mail it out. Like REALLY?! This process is absurd. 1984 called and they want their pony express back. And the guy on the phone just kept repeating himself over and over and over. It was beyond annoying and frustrating.

Horrible interest rates! My credit score is a 780 and I've had the same card with Capital One for over 10 years. They continue to raise my credit limit but have me locked in with a ridiculous interest rate. I pay my bill before time and have never missed a payment. Yet, they are not willing to lower the interest rate. This should be a crime.

I have been a customer of Capital One for many years. I have always paid my account off in full and in time. Without warning Capital One put a stop on my charge account. I had no idea what the issue was. In February I sent a check for $1438.70 made out to Capital One. The check was cashed by Citibank using my Capital One account number. I have spent hours on the phone with Capital One and Citibank. Nobody will help. Capital One told me there's nothing they can do. They added interest charges to my bill. Citibank told me they could not identify the cashed check without a Citibank account number. There is no Citibank account number.

Hello everyone, I created an account just to text here so that people can see what happened and know what they can face if things won't get fixed. I needed a credit card and applied for two different banks, one of them was Capital One. I got two credit cards and have used them till now (4 months total till today). This is such a great review because you can compare and see the difference! Both banks give cash bonus for new customers, I'm eligible for all requirements.

I have been using their credit card to run my business for several years as 2% cash back is very attractive. I spend 30k a month or so and pay the balance monthly. I have a 780 credit score as well. This well run (sarcasm) organization froze my accounts with a 0 balance because they said they sent a letter last month asking for some tax info. I of course did not receive this letter, phone call or text. I provided the info they asked for and they will active the account 7-10 business days after receipt. This is ridiculous when trying to run a business. No phone call and they admit it, no text and they admit it as well although they will text you fraud alerts and call to offer me more credit services. I will be opening a Wells Fargo credit card as they offer 2% cash back as well. I am sure it will be delivered prior to Capital One unfreezing my current card.... Morons.

I mailed Capital One check to MetLife to pay the Insurance, Met life did not receive it, But the check cashed on on Jan 9, 2023. MetLife need me to show them the copy of the returned check, I got the copy, but the back check did not show any deposit information, no Met Life stamp in the back of the check. I called Capital One twice, they don't know where the fund deposit to. They don't know how long it will take to find out. I repaid MetLife already. 2 months, still no response from CapitalOne.

I have been with CC since 2015 with multiple CC and Checking accounts. I became behind on one of my CC, which I admit, I paid off my $1149.00 balance to 0 last night via my cap 1 360 checking account, the payment cleared last night and posted to my account with a 0 balance, when I looked at my account this morning it said "restricted" and to call customer service.

Received a promo email to add a second user to an existing account and spend $1,000 by April 28, 2023 and receive $100. Conditions were satisfied and no $100 appeared in the account. 3 calls and no satisfaction. Escalation to supervisor level and nothing has changed. Beware of Capital One and their bogus fraud promotions.

I have never encountered such harassment, discrimination and bumbling incompetence as I have with the fraud dept of Capital One 360. My wife was offered a Savor credit card after YEARS of checking and savings with debit card, etc. When the card arrived she tried to activate it but they ignorantly demanded that she send a photo of her driver's license. We decided that level of harassment and incompetence was over the line so the new $5000 limit credit card went into the shredder.

I had 2 credit cards with them. I made larger purchases so I scheduled through their portal an ach payment shortly after the purchase date. After the 4 months they suspended 2 credit cards and demanded bank statements. They stated that I need to proof ownership for my safety. The only acceptable form is a bank statement showing the withdraw. I refused however went to chase and got a letter of account ownership that showed that I was the sole owner of the checking account. That was not enough and they closed my account in addition to not paying my $300 rewards in cash back. My credit score took a hit by almost 100 points. :/ Stay away from them!

I asked them to change my credit card due date to my preferred date and they didn't allow me to, and I asked to speak to a higher level manager and they didn't allow me for that either. They are controlling customers to do only what they allow us to do.

As of January 2023 I had checks sent back from monthly {water phone billed auto insurance}. I do not stop payment on these checks. Capital One stop, ever when funds in the account. They continue stop payment. Those I contract and talked rep at a branch. I receive no help which still stop payment checked. They do not about customer, only about themself, use lied after lied.

Capital One is terrible!!! They did not issue my new card, even tho I have a positive credit on my account, and continually lie about sending out a new card. I have an open credit limit but am unable to use any available credit due to not being issued the new card. On top of that, they don't hesitate to charge you for a membership fee that they expect paid, even though I can't use any available credit since I have no card issued since my last card expired. I'd suggest anyone and everyone scroll on past applying for a Capital One card, unless you like them to charge you and take your money and lie to you over and over.

How in less than a month. With no activity. I lose 74 points going from 661 to 587. The entire credit reporting system is a joke. These merchants lie, saying you can improve your score. Receive increases for making payments on time. I am canceling every last one, one by one once I pay them off. I will not kill myself to save for auto down payment nor mortgage. Keep it all.

Description of Complaint: I made a payment of $150 on March 16th 2023, it cleared my Bank Account on March 17th. I am being told from Capital One that there is a 26 day hold on my funds (April 11th). And no one at Capital One can tell me why the hold is on, or how to get it released. Told it is a system hold, and nothing they can do. This is totally unacceptable, I make a payment, they hold it for 26 days, and numerous calls to get no help

Capital One are one of the easiest companies to get a credit card approved with which is a bonus for those without a credit history or with a poorer credit history. However, if you ever have a disputed payment, they will not support you. I have just witnessed this very clearly. They initially applied a provisional credit, as is standard with large credit card companies, while they conducted an investigation. However, they followed up by asking for letters and documents to support my case yet none seem to be read, or perhaps they have an AI bot doing the reading, because the responses were generic, did not make sense, and all lead back to some excuse for not being able to support me the client. The provisional credit was removed.

I opened a Capital 1 Visa card account for consumer use. I got the card and used the account # on a few website accounts as the preferred and only payment path. Then when one service that I set up the card as payment for showed up at my house and after doing the service, ($1900.00), I say fine they use the pre set card and it is rejected. This service does not take checks and has only pre approved bank cards as pmt. Then, I find after 4 hours of trying to unlock the account that I can not do so because the security questions they accepted as such were not useable in a lock out condition. As well the only way is to prove that the bank account I used to pay them is mine by submitting my statement to a link they send via email. That link will only accept PDF and less than 10 MB size. As well this link not accept the required password required file the bank sending me the proof of my "Ownership" was required to use to send me the requested file!

I had a charge on my credit card, I wanted to dispute. I purchased a gift card from a merchant with my Capital One credit card. That gift card did not work. After calling the merchant 7 times, they told me it had been used and to contact my credit card company. I did and Capital One filed a dispute, the merchant produced the receipts of me purchasing the gift card and gave that to Capital One. Capital One asked me to respond to those receipts which I did, explaining that was not the issue (purchasing the gift card) the issue was the gift card didn't work and the merchant said it was used.

I see all these 4-star rating for this company. On this site 1 star. After paying my loan off and receiving the title, Capital 1 still was the lien holder. They’d aid they released it but never did. I was sent a title from the state of CA. I try to sell the car and Capital One blames Ca. They tell me to go fix it. I buy this financing product, never missed a payment, and get told it’s my fault or the state's fault. After 1 week of trying to get a hold of someone, this is where I am at. Never, ever, use this company. It really angers me that they sell you a product, and then put it in you. Total **. I will have to follow up every day to see if anything has been done. Giving my DOB and SOcial sec to someone new in every call.

31.24 percent PURCHASE APR with it matching the CASH ADVANCE APR. Haven't seen that before. Been with them for a couple years started with a secured credit card, upgraded and got the Quicksilver card. My credit score has gone up exponentially, I asked if my rate could be reviewed and they said THEY DO NOT LOWER ANY RATES. My credit score is in the 700s now and I wanted to see if I could get a lower rate. They denied me, I asked if there's a way you can pull credit again. And they said no.

Capital One didn't honor a $500 promise on a Spark card that I applied for after spending more than $7000 (it was advertised that after spending only 4500$ you get the reward). Stay away from this people. They don't have a long time vision and they don't honor what's advertised. From my experience misleading ads and misrepresented products.

I used a virtual credit card number through Capital One so when I was done paying a vendor, I could lock the card and they could not charge me additional money. This is what Capital One advertises to keep your credit card safe from overcharges. Now they tell me since I paid them before they will honor the additional money the vendor has taken, not the fact that I locked the card and they let the charges go through and I must dispute the charges that should never had gone through on a locked card in the first place. This is a clear case of fraud that Capital One is allowing to happen.

During college Capital One offered me a credit card. As a full-time student with no job, I really had no way to pay that money back. Capital one preyed on my inability to pay back money that money. Capital one tacked $2000 in fees on top of the $2000 I borrowed. $4000 is a lot of money to a full-time college student with no job; to pay back. But I digress…. Fast forward 25 years later, and now capital one is sending me a letter every four days trying to get me to open a credit card with them again. I nicely ask them to stop sending me letters but they refuse. Not gonna happen!

Capital One 360 closed three of my checking accounts and savings accounts without warning. I was told they conducted an internal review of my accounts and decided to end the banking relationship without any cause given. I spoke to several representatives who also informed me that I would not be able to withdraw my funds until the investigation - of which I do not know what they are investigating - was completed. I was given no warning, no indication that I had done anything to warrant this issue. All the while, I have no cash on hand- I am unable to care for myself. I also do not have the ability to purchase any food, and have no other financial support. Without access to my funds, my health is at risk. If this is not resolved immediately, I will seek further legal action; capital one is preventing me from being able to have health and safety and will not provide me with adequate documentation or resolve of this issue.

I was racially profiled and treated like a criminal after opening a Capital One 360 cd. They said even though my id showed my name, they weren’t sure it’s me who owned the account, the funds were transferred from to open the cd. They needed the ip addresses of all computers in my home, a pic of me from PNC bank and also a call from PNC bank to verify me as a customer there. This took place all while I am sitting in front of 4 of Capital One cafe staff. The verifying department online could not verify me without calling PNC bank and confirming I was the ** woman on the id. The account was closed and I requested my $27;500. Be returned to PNC bank.

I've had Capital One Checking for years and have loved them up until yesterday. I had a line of credit which allows me to go into the negative up to a certain amount. Without warning it was stopped yesterday. I called and they stated they sent out communication but I never received it. Also, it's even still advertised on their site. To get purchases declined all the sudden was not something I was expecting and they just lost my business. I'm honestly still in a bit of disbelief this even happened.

Waiting 14 days to get approved, 14 days for your card and another week for the pin. 5 weeks for something that should take less than 10 total days. That's like 8 business days max. Then they add days to make it seem like you haven't waited their duration they tell you.

For starters let me say that I believe most of these glowing reviews about Capital One on this board are either planted by Capital One or the people are being incentivized. I say that because number 1 Capital One is Horrible. And number two statistically unhappy customers are several times more likely to leave reviews than happy customers. So it's an anomaly that all of these folk are leaving glowing reviews. I have seen employers spam review boards with glowing reviews, doctors' offices, dentist offices, transmission shops.. Everywhere you look now on Google every business has a 5 star rating or close to it. We know that's Bull.

I have been a customer of Capital One (IngDirect originally) since 2004. I had their "360 Savings account". Capital One claimed it is a high interest account and rates will fluctuate based on Federal reserve interest rates. Apparently, some years ago they started a new savings account called "360 Performance Savings" with much higher interest rates. For example, the new Performance savings has a interest rate of 3.4% as of today. While the legacy account is only at 0.3% and it stopped fluctuating with Fed rates many years ago.

Insane, even in the fraud department I can't get a rep that speaks and or comprehends English. Dealing with the most simplest of things is a complete nightmare with this company. They just told me that if the car rental company that robbed me, emails me every 14 days, there is nothing Capital One will do to help me get back the money that was robbed from me. No joke, I have this phone call recorded.

I had the worse customer experience with them. I didnt receive my credit card in over a month. I tried to get a new one but they made it so difficult to get a new one. They said I would need to verify myself with uploaded documents that would take another 7-10 business day. It was very frustration knowing they could have verifed me by any other way but choose not to.

Did little or nothing to assist when my account was hacked. Their system did not pick up multiple Oklahoma charges even though I live in CA and have never been to OK. Clearly hacked by an employee as the debit card fraudulently used was in my desk drawer and had NEVER been used by me. Told me to wait 10 days to have $1000 theft reviewed.

My credit is impeccable. Never been late. I was a great customer to Capital One, pity that we end on such a bad note. Liars! They said they would refund me the 95$ fee when I canceled the card the same month the fee was due. They did NOT. They lied. When I called the guy said, "Oh well. Nothing we can do."

I order a Quick Silver credit card from Capital One that offered a $200 sign up bonus after I spent $500 in 3 months. I met their requirement and never received the $200. I called them 5 times and received incorrect information after wasting about 45 minutes per call. I finally talked to a supervisor (so she said) and I was told that I didn’t qualify for the $200 and she couldn’t tell me why. I was never notified before I received the card that I didn’t qualify. Do not fall for Capital One’s bait and switch program and go with a reputable company’s credit card.

Capital One appears to be intentionally obfuscating the dispute process. Summary: After 1.5 years of repeated checking and document submission, I have been told that this case was disqualified from the start for being 10 days late to a deadline for which I had no notification.

Customer service is not good. They just rush you. I paid my balance and then had no money in my account for several days, still waiting cause they said they had to verify, I’d been with them over two months. Ridiculous way to run a credit card company. I’ll be canceling as soon as possible.

In June of 2022 I noticed several fraudulent charges on my Capital One Credit Card. I was traveling and had my card set to auto pay through my bank account. I notified the company by telephone that I did not recognize the charges. They read back a few charges which were legitimate. They resolved those charges and sent me a new card. When preparing my expenses for work in October, I noticed a charge from April 2 for Avianca Airlines (an airline from Bogota Columbia) in the amount of $1177.50. There is a phone number associated with the purchase. **. That number rings busy and is (according to web search **) a fraudulent phone number that is associated with fraudulent purchases with this company.

I am just glad I was able to cancel my account. I called in 5 times to try to get access to my account and no one was able to help me or explain why/what was going on. I could use my card but I could not access my account online or with an agent on the phone. Worried that this might be a long term issue or cancel it if I ever had to dispute a charge, I cancelled my account. And I had just gotten a credit increase... which had started all of the issues since I couldn't log in to accept the increase! Ah well. Next!

Very bad experience, they send you by email that they will increase your credit line, they run the credit that is at 775 with debt capacity, and then they send you a letter for the second time that they cannot raise your credit limit, so why? They waste the customer's time, affected by their credit points.

I have been a loyal customer of Capital One Bank, since my former bank, North Fork Bank was bought by them in the late 1990's. Unfortunately for me, my business checking account was incorrectly set up at the time, and a recent Capital One audit required them to fix the irregularity. Three months later, and 30 hours of MY TIME on the phone and visiting their distant branches, and still no resolution. The result, for three months I have not been able to view any of my accounts online or using their app. Capital One is after all a "digital bank" with very few branches remaining.

Capital One was a good credit card choice when I was living primarily in the US. Now that I'm traveling abroad for extended periods of time, I find it extremely difficult for the following reasons:

I have been a Capital One credit card holder for 15 years. My purchases on their cards (I have more than one.) exceed $100,000/year. When I got a new card in the mail to replace a card that was expiring, I had to phone in and spend over 30 minutes answering questions, downloading photo ID's, etc. OMG - Who needs that abuse? They obviously have no consideration for their customer's time. There were only two reasons that I didn't just throw the card away. The first reason is that I would have lost nearly $600 of rewards cash that was owed to me. The second reason is because it would ding my near perfect credit score if canceled a card. So I kept it, BUT I certainly would never get another one.

I signed up for a new account in order to purchase a CD. All pertinent information was entered and received confirmation email. Entered my current bank info for a $25,000 transfer. After 10 days no transfer. Called "Customer Service" and was told I would need to cancel the Cap One account and open a new one. I told them to just cancel, and I would stay with my own local bank. He couldn't have cared less and didn't offer any other opportunity!

Filled out a credit card application and was approved. Used the card and made the payments. Then for some unknown reason locked and restricted it and refused to credit me the money I had as a positive balance from refunds from purchases. They then asked for income verification and said I was being investigated for fraud. No idea what they are talking about or why they were putting me through this ordeal. Bunch of idiots these people.

I opened two cards they approved me for a couple months ago, hoping to help my credit. Last month I paid off my balance on both cards with another card they decided to deem "fraudulent", restricted my account and then tacked on the payment I MADE to my balance, doubling it and now stating I owe about $1600. I called the customer service department and I always get some snotty person from the Philippines who speaks to me in a condescending, rude tone, stating they flatly refuse to discuss this with me because it is in the "fraud" department. How am I supposed to get it out of that department and fix this if they won't even speak to me about it?

Ever wonder why Capital One has the most commercials? They are one of the worst banks to deal with. They outsource all their customer service lines, but that’s not the worst of the problems. Asking for a supervisor gets you nowhere because none of them have no idea how to do their job. You can ask the same question to 10 different supervisors and they either don’t have an answer and cannot pass you on to someone who does or they all have a different answer. The last time I checked there is only one set of rules in banking. Apparently not. This bank has been going down hill quickly and that is why they spend so much money on advertising…. They need customers. If you were thinking of using Capital One for any reason, don’t! What’s in your wallet? Their hands!

Due hospitalization and return to work date, I called Capital One (10/10/2022) to request a skip pay for October 13, the skip pay was successfully I was told to wait 24 hours for system to update and it was. On 10/16/2022, I received a past due email stating I need to make a payment. The first representative placed me on hold for 5 mins then disconnected the call. Second call- I spoke an representative to ask for a supervisor. They transferred me to Ashley -supervisor and did not want to handle the call so I was transferred back to another department. I’ve spoken to Ashley before and she was very argumentative and condescending. I was speaking to her and she dropped call and I talked to another agent. This agent started with my charge, finance charges and payment from September 2022 which had nothing to with the skip pay.

Just got my card. New customer and already having the worst service with these clowns. They are rude, nasty, unhelpful, unprofessional and inept. They don't even know what to say to a customer. They don't even know how to treat customer. They act like they are depressed and lazy. They say the worst things to the customers as if they are uneducated. They did some bait and switch with the credit card offer from the get go. They told me one thing then it changed. They do not hold themselves accountable for any mistakes they make and they surely have no clue how to handle issues that come up. Clueless company. Poorly run. Mismanaged. This card is for people with bad credit or desperate to get a card. They are a low level cheap company. Disgusting. I'm leaving. I'll go elsewhere and not put up with this crappy service. Pitiful.

Bait and Switch Advertising. I saw an ad and applied for the Capital One Quicksilver Card from a link. The offer was for a $200 rebate after I charged the first $500. Capital One tells me I "applied for the wrong card", even though there was only one link from the advertisement. I am closing the account. I believe businesses should live up to their advertisements. Screw them. There are lots of cards out there.

They solicited me for a $50K line of credit card, with 7% cash back if I spent $50K in 6 months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend 50K in 6 months? Impossible. Closed account. Account was set up as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by credit watch they filed a past due report on me after 4 months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. THIS KNOCKED MY CREDIT SCORE DOWN 170 POINTS. IF YOU VALUE YOUR CREDIT SCORE STAY AWAY, WORST EXPERIENCE EVER!

I already have a couple cards with Capital One, so I was going to open a checking account. I was hung up on a couple times, tossed around to multiple departments, and put on hold numerous times. Once I got through, found out they had the wrong information on file, including my birthday. Capital One is a mess! Customer service is non-existent. Banking elsewhere.

I was excited to open my new bank account, but unfortunately, they closed my account without telling me why. They just sent me a letter with 2 sentences only and no reason why they did this. I called today customer service to ask why they close my account, and a very unprofessional CSR told me "You waited too long to do a deposit". I explained to her all the problems I have faced with the online system verifying my cellphone number. Then they told me that they don't have share branches where I can make a deposit.

Been a Venture cardholder for many years. Used Capital One Travel to make a hotel reservation. The hotel informed us that the reservation was cancelled and we had no room. After calling Capital One, they said they were working to find a resolution as we were billed twice to re-do the hotel reservation. Two months later, no word from Cap One. Recently, they put a hold on my credit card citing a problem with another bank that had been linked to my card. This is an account that has zero balance, has always been paid in full and on time and has 750000 miles accrued.

Yea whatever! You sent me an invitation to join your lil club. Keep it. You guys are the weakest link. Anyway I found another company who has faith in me. I don't need you at all. My business will make without you! Piss off. Now you've lowered my score because you said there was a great chance to be approved and I believed you. Don't worry. It won't happen again. And I will be informing some of my acquaintances that you have false advertising in your approach to attract victims! And I will be contacting the Bbb to file a complaint of false advertising!

Capital One will not guarantee an online order if merchant sends wrong item. Was sent a child bracelet instead of a motorcycle jack! I am sol for 72.95. HERE ARE THE PICTURES and receipt of my transaction!!!

I recently purchased two car rentals with Hertz under the Capital One travel portal. I found out that the amount listed "due at checkout" on the site of capital one was different than at the time of return. The "due at checkout" amount including taxes and fees was $95.56 for each of the two rentals. After returning the car rental, I was charged $196.92 for each of the two rentals. That is practically double the amount I was supposed to pay ($95.56) when I confirmed my rental with Capital One. After contacting both Hertz and Capital One customer service, nothing was done and each company blamed the other for their mistake, making me go back and forth asking for an explanation. Capital One and their perks/features were enticing until getting charged double the amount was deceiving. Now, Capital One travel center is a scam and shows misleading information. I will never use them again nor will I recommend it to anyone.

Bad policies of Capital One to have to call your personal bank to verify payment with you on the phone. WHY would they care what bank it comes from? If it is your bank's fraud issue then they will refuse payment. Because I was not willing to schedule time to allow them to call my CU (during limited hours) they closed my account for fraud which is fine, but then they refused to send my $70 rebate for the purchase I had made. Absolutely do NOT recommend this shyster of a bank.

Capital One has poor communication with its customers. I do not have experience in owning a credit card. A lot of people were not taught these things in school or at home. I'm trying to break a cycle of generations having bad credit and buy a house for me and my kids. All of a sudden, they closed my account for returned payments when I had it set up for auto draft. Got paid a couple of days later than my automatic payment was suppose to come out. I thought it was ok to just pay it late. Didn't know the return payments would get my account closed. They do not care for customer interaction. They do not care to help the people who could use guidance on the risks of doing things like this. I don't care how rich people are. If things like this come up, you should be calling your customers to make sure they are aware of the risks and find other options for those of us who are learning.

This is the WORST customer service company to deal with. Multiple times calling and it always seems like an overseas call center. This would be fine except they can never help and repeatedly say I don’t understand or there is nothing I can do. When I asked to speak to a supervisor I was told I had to give them the name of the person I was looking to talk to. I said, "I don’t know your employees' names." Had to hang up and call back. I then paid off over $9500. The next day got a $200 interest charge. I call back to ask to remove it since I paid in full. I have been a card holder with a good standing account for over 12 years. Was told by multiple people there was nothing they could do. I have never had any issues with my American Express or Wells Fargo cards. Both are very helpful and appreciative for doing business with them. Wish I could give 0 stars.

I've been banking with Capital One for years. I've had no negative experiences and I find that customer service goes above and beyond. If you're deciding which bank to go with for a checking account, do yourself a favor and pick capital one. Keep in mind that the Capital One Credit Card is a partner company, and not as fantastic as checking/saving with C1. The credit cards are mostly 'meh.'

If you're looking for a credit card to start with please don’t do it with credit one. They accept anybody but it’ll be at a cost. SUPER high interest rates and they will NEVER help you with a late fee. I do not recommend at all! Please don’t make the same mistake as me!

Just realized that I will be charged monthly interest ($6.75 every month forever, or until I close account) for a $300 cash advance I did a year ago. This is in addition to normal interest charges for credit charges. Potential for 1000% interest plus. What a shame such a large company needs to gouge consumers to survive. Buyer beware. I will certainly spread the word. In this day and age of survival...shame on you.

I got a balance transfer offer from Capital One last year for my Quicksilver credit card and I like to take advantage of these offers to make money. The deal was, I would pay 3% flat fee, then 0% interest for a year. Usually, I make sure to track when I need to pay off the card to avoid the interest rate spike and crazy interest charges. But I didn’t do that for this one for some reason and, of course, they don’t display the end of the rate online because they no doubt want you to pay interest. So, I called and a customer service representative stated that I had several months more for the promotional rate. “Great!” I thought and didn’t pay off the card.

I purchased a concert ticket through Capital One entertainment on 7/8/22 for an event occurring the evening of 7/8/22. I then had to find parking for the event, as it was in downtown Chicago. I purchased parking through Vivid Seats for $82.67. The item description stated it was parking specifically for that event, so I had no reason to question hours & no hours were given. I received a order confirmation email shortly after purchase which indicated I purchased parking for that event & the start time of parking was 4:31 PM. The top of the order confirmation indicated, “100% Buyer Guarantee.” I received the ticket a few minutes later &, upon opening & reviewing the ticket for parking, it was only good 3-8 PM. The start time was nowhere near the start time of 4:31 PM indicated on the order confirmation & anyone who has ever gone to a concert can tell you that no concert ends at 8 PM.

Be aware! Capital One is closing credit-card accounts without proper warning! If you have your oldest line of credit with Capital One they might close it without proper warning! After calling they informed me they cannot reopen it.

Do not use card to travel overseas. You will be in for a surprise. And their customers service a disaster they retain your payment funds for 14 days so if this is the only card you will be F. And don’t waste time calling their customers service.

BEWARE!!! CAPITAL ONE WALMART CARD HIGHWAY ROBBERY!! I use this card extensively and make regular payments. Sometimes I make payments early, or pay from a different bank account as it is a family card and sometimes my dad makes the payment. In the last year my account has been suspended at least 5 times, for more than 7 days, when I make a payment. Then I am sent to the fraud department and I have to verify my accounts. In the meantime the payment has cleared my bank. So they take my money and then restrict my access to the card. Three times in the past year I have turned off auto pay in the app and it sent it to my bank anyway. I paid a smaller amount than the auto pay at the same time, as the payment was due that day. So I have 2 payments bounce at my bank and on the Capital One account. I'm being charged fees left and right.

If I could give 0 stars I would. Horrible horrible horrible. I requested a new card over 3 weeks ago SPECIFICALLY for this week/weekend as I have wedding appointments and expenses. After 6 biz days-no card- I called and got "I'm sorry, IDK what happened but it never mailed, no worries we will mail today"..6 biz days later-no card- I call again and get "wow idk what happened, I see you made the request 2x, but it never got in the mail, let me send it out today". 6 biz days later-no card- I call and am on phone for 53 minutes and all I get is "I'm sorry but it just got mailed this morning". HOW?! I specifically needed this card for this week and now I won't have it until next week (allegedly). I have no faith I will ever receive this card. And even if I do, it's TOO LATE.

I have been a card holder for many years and trusted this company for the first time when booking a flight. The price is reasonable until one realizes reserving seats are 10x the normal price and after booking, luggage is also that high. With 24 hours to cancel, unless one acts very quickly, this fraudulent transaction is not reversible. $1493 from Capital vs. $962 from another website. Consumer beware.

Cap1 decided they no longer want to manage IRA accounts, so I made the arrangements to have mine transferred to my regular bank. I just got a letter from Cap 1 that simply states my account has been closed and if I have any questions, call them. Lots of helpful info...right?? So I called to find out when my funds were sent out and how. Turns out the cheap greedy morons sent it SNAIL MAIL!!! 7 to 10 biz days to reach my bank!! NO TRACKING INFO! Given how messed up USPS service is, there is no telling where it is, when or even IF it will arrive! Too cheap to FedEx it or even send it Priority. All the money Cap 1 has and this is the terrible customer service they give? I will NEVER use them again for ANYTHING!!

I'm a victim of bank fraud - not someone stealing my ID and using my accounts but rather by the bank itself. Briefly, I opened a credit card account, earned $220 in rewards and then Capital One, for reasons never explained to me, put a restriction on the account. In an attempt to work with them to verify my identity, I submitted any number of private documents including drivers license, social security card and proof of residency. Over a period of two months, they called every two weeks to say that my proof of residency was insufficient - my submissions included a property tax bill for my residency in my name, a bank statement in my name and a utility bill from Waste Management in my name. Each time, they said these did not meet their requirements.

So I had my wallet and phone stolen at a concert, and Capital One fraud protection doesn't account for this potential case. Since my wallet was stolen and my Driver's License was in the wallet, I could only use my passport for ID Verification. However, Capital One couldn't actually use the Passport to validate my identity when it is a legally acceptable Federally issued ID. As a result, they WOULD NOT enable me to report these fraudulent charges. Please avoid using Capital One completely and use something else like American Express if you ever run into a fraud situation because Capital One will not give you the money back.

I've been a Capital One customer for years and have never had a problem. But now there seems to be something very wrong in Capital One. I requested for disputing a charge. They removed the charge from my account, but few days after they added the charge to my account. When I called them regarding the charge, they told me that they send a letter to my address for requesting documents. But I never received a letter from them. Then I asked them to send an email link, so that I can upload the documents. I uploaded the requested documents, then I called them so many times. It's more than a month till no update from them. They never checked my uploaded documents. One of the Manager from Capital checking the documents while I was on call with them. No more with Capital One!!

A year ago my Capital One savings account was compromised. When I notified them they acted quickly and stopped the fraud in its tracks. I've continued to use this account for the last year, transferring money in and out. The other day I went to do a wire transfer for a house purchase and it didn't work. Capital One informed me that due to the year old fraud that they failed to investigate that they had restricted access to my money until they investigated and created new accounts in 3 - 5 days. I have now spent numerous hours on the phone after cancelling my home closing to try and get access to my funds before I lose my purchase contract on this house.

I've been a Capital One customer for years, maybe decades now, and have never had a problem, but now there seems to be something very wrong in Capital One land. Their automated systems are going awry and there's no one to be held responsible for it. Like another reviewer, I paid my taxes twice because of a Capital One error and have now spent hours of my life trying to rectify this problem. My card was declined and then the same charge went through, and then when I tried to get them to reverse their mistake I ended up on the phone for hours in a traditional dispute process that simply didn't apply when my dispute was against Capital One itself.

I've been with Capital One for years, and their banking service is horrible!! I have had 2 checking accounts disappear from Bank Online and no one in their support team can tell me anything. Their technology is buggy, and the continue to close branch locations where you can actually talk to someone. I will be moving all of my accounts ASAP!!

I got an email just the other day talking about a $150 and $450 bonus if I made deposit into my performance 360 savings. I found the same offer on the C1 app I have installed for my 2 credit cards and performance 360 savings. I made the required deposit into my savings thinking I would be eligible to get the bonus as long as I held said deposit in my account until some time in August. Come to find out after depositing $21K in my savings this offer is for NEW accounts not for a deposit made into an existing account that has been active since 2019. Additionally, I can't move my 20 large out of my 360 savings for 60 days?? Making matters worse, I found all the bad news fine print on some other website.

Do not be deceived by this fake credit card company. They pretend to treat you as a "Valued Customer". Nothing could be further from the truth. When the chips fall down, when there is fraud on your account or you are scammed they immediately take the other side. They do not support their customers nor do they care if you report how you were treated and if they lose your business. Do yourself a favor and do not sign this credit card company.

Completely Incompetent Customer Service - I rarely ever leave a negative review but my experience updating my last name from my maiden name has been impossible. I updated my last name 2 years ago. Capital One updated my debit card and some of my accounts. I recently deposited a check and it did not clear because they never updated my last name on my checking account. When I brought it to their attention, rather than immediately fixing their mistake they told me to wait another 7 days as if 2 years was not long enough. Then after 7 days, they told me to wait another 3-10 business days. I have called them over 10 times to fix the issue and they still have not taken care of the issue. As a result I cannot deposit funds and pay my bills. Be warned.

Worst customer service ever. Had supervisor on their own recording address my issue in Oct 2021. Now they say I have to reapply and carry 2 CC with them in order to receive what they promised. Go with Citi Card. What's even worst is their current supervisor literally told me that she could not provide me with any information to reach a higher supervisor than herself. She stated she doesn't even have access to any corporate email, number or even a contact to her own boss. I was told to google it, which is what lead me here. I hope this helps some else from making the mistake of going with Capital One credit card.

I accidentally paid my taxes twice this year. Capital One requested info from my bank-which I paid it out of-and vendor. I faxed all the info TWICE, spoke with a supervisor, NO HELP. I will lol never recommend them and am canceling my card Monday. Just an FYI for anyone looking for a good credit card company, they are absolutely not.

I would start by saying Capital one is the best card company out there for middle class struggling trying to repair their credit. I found them to be the best for me. No Annual fee. A little high on the interest side but approved is what we all want. A fresh start. A chance for the hardworking American. I have always been approved when others say sorry. Nope. Capital one says, "Hell Ya."

I have had a Capital One card for several years. This is the first time I have had to dispute a charge and it has been handled in a very shoddy, incompetent fashion. I have called the designated number and been transferred 3 to 4 times with each call--all around the Philippines. I submitted supporting information online but the reviewer could not read and rejected it. I have now submitted the information hard copy via certified mail. When I tried to contact the corporate headquarters to make a complaint, the number I called dumped me back to the same menu that I called previously. There is no way to reach the leadership of Capital One except by certified mail and I do not have confidence they will even respond to certified mail. It is a very unprofessional, incompetent group. I am going to suspend my business with them.

I had been a customer for years, happily paying the annual fee, but when I needed them most they fell short. I was reviewing my charges to expense some things from a recent work trip when I noticed two large charges for a Poke restaurant and thought hm that's strange because I didn't recall eating $100+ worth of Poke! So I looked in further and the address was in a city across the state. Impossible for me to have been there given my other charges that evening were in my hometown.

I never received my card. After months and the company telling me they "mailed" out another one, I still hadn't received my card. I asked to refund my deposit after over 2 months and was told it would arrive in the "mail". I asked if it could be sent certified mail so as to ensure I actually receive it. I was told to call my mail carrier and the Manager rudely just kept repeating the same thing over and over again as if I was death. I asked the Manager Kendall (**) to please stop repeating the same thing and can we focus on a solution. Is there any way it can be sent with signature request, just something to ensure I receive my refund? She said she was sorry for my frustration and nothing else can be done. She was so condescending it was horrendous! If you hate people why work in customer service?

My husband and I had a Capital One credit card for over 25 years and were very pleased with the service and what the card provided. My husband passed away three months ago and I had continued to use the card and pay the bill. Actually, I had been the main user, and I had taken care of payments for many years. It turns out that my husband was the primary account holder and I was an authorized user. I understand that they have to close the account because of my husband's passing. What I am upset about is that they will not open a new account with me as the primary under the same terms that we have had all these years. I am upset that everyone I speak to at Capital One, offers their condolences but it is simply something to say with no meaning behind it. I have a very good credit rating and they should offer me a new card with the same terms as the card that was closed.

If I could leave a zero, I would. I just refinanced my car with Capital One. While trying to open and enroll the account with them, the site didn't recognize the number that I submitted. They couldn't verify my account via text because of that, After speaking with many reps, I was able to get them to add my cell phone number. That lasted 1 hour. I spent THREE hours on this just to make a payment and set up recurring payments. This should take FIVE minutes! I was disconnected and/or had to wait on hold for another rep. Three hours over two days!.

They restricted my account until I send them all of my bank statements, when I wouldn't comply I asked them to shut my account and to refund the $395 annual fee, they responded we can't access the account to dispute any charges as the account is restricted.. They tried hijacking me to give them personal information they clearly Said isn't necessary to open card..

On February 26, 2022, I scheduled a check to be sent to the water company for $150. I use a separate account only for billpay and transferred sufficient funds into the account to cover the check on the same day. The confirmation screen indicated that the check would be delivered by March 7, 2022. I checked the website multiple times to find billpay history or any indication that the check had been sent but found nothing.

I recently submitted a dispute for an interest charge that appeared after the entire balance was paid off and the billing cycle had closed. They denied my request insisting I owe over $100 for an account with a zero balance. After researching online I found several complaints by other account holders reporting the same issue. I'm closing my account and will never do business with them again.

I've had a credit card been paying on it for a while. So now decided to see if I could get it easier. Got a checking account. I was never told about the features. Anyway connect them. Paid my credit card early. Found out that it was bill pay so it was a week late. Nobody wanted to own up to this. Supervisor I think would not refund due to their negligence. I am trying to get out of their web. On top of this mess they jacked up my payment twice in a month.

I have had the worst service with a credit card company ever last night. This is an ongoing issue I have had with this credit card. At this point I start out frustrated because I know the initial person you talk to can only help with app/internet issues. Even though that is the only number their website gives for customer service in their credit card. So I knew I need to talk to a supervisor every time. But I have to go through the motions of telling a person I know can't help me my issue first. Then I have to wait for the supervisor which is almost always several minutes. I have never had a card that has no real customer service individuals. The what service. I'm paying my bill off then closing the account. I'll find a card that has people there to support their service. I would not recommend this card to anyone. Avoid at all cost.

I've had a Quicksilver card for a bit over a year now. I always keep my balance about 2% on report day. My score jumped about 70 points in one year always paying off my charges as soon as they post. I pay as I go because I do my shopping mostly online. Their app lets you link bank accounts so you can pay electronically. The cashback is very simple, there is no programming necessary. Cash rewards come up by itself. I use mine for a statement credit although they can be applied to Amazon purchase or gifts card. You can enter the Capital One lounges with the World Elite Quicksilver card at DIA and upcoming airports. Capital One won't let their customers get head over heels in credit card debt with the Quicksilver because it is necessary to pay between charges.

I opened savings and checking with CapitalOne online and later on noticed there's a mistake in my DOB, so I called and they claimed to fix it within 3 days, it was on 1/27/2022. In 3 days I couldn't login in to my account. Called 4 times, went through identification process 2 times, went to the bank once - was send to call to the bank - a bank employee couldn't help unlocking my account!!! Finally after multiple Indian customer support I talked to a local rep and again was advised to wait 3 more days. I'm without finances for 2 weeks by now!

They offered me the card without fees due to already having the basic, paying on time, etc. With a $700 limit. No biggie. OK. Then I realized today that I have a 0% APR and that when I do pay an APR it's a little lower than the other card. Kinda made my day. I normally keep a low balance, but this year has been rough and I'm so grateful I've had these cards to rely on. I've got a lot to pay back, but it's worthwhile considering the struggle it could have been. And because of C1, I've now got a few other cards with low APR, my credit is growing and I'll be able to get a good home loan soon instead of the high rate loans that were thrown at me before. Thanks!

I work an ridiculous amount of hours and days. I do not have time to constantly be trying to reach someone for assistance. Since opening he account my online app features say that they're down for maintenance or some other thing. As soon as I make my last payment I will be closing this card.

I started out with bad credit. I got a secured card with Capital One and other companies. Once my credit improved to the fair range (620) other cards gave me my deposit back. Capital one is the only secured card that has not. Discover, Citi, Wells, and even small companies gave my deposit back. This is my 5th year with the card and I still don't have the original deposit back. Most cards return the money in the 3 year. Disclosure: I did have some (3) late payments with this card.

Dispute manager at Capital One refuses to do their jobs and does not provide due diligence for consumers to dispute fraudulent merchant transactions. Their practices encourages merchants to fraudulently charge consumers without providing services required. Do not entrust your finances with capital one credit card. Their service is the worst! No consumer protection is provided as consumers are preyed upon to pay fraudulent merchants.

I had set up autopay with double the amount due but one month I put a large lump sum on the account in Nov and I made an extra payment to be sure it doesn't go over however it did go over by $1. My autopay was 150 and min due was 151 so I got a late fee Nov, Dec and Jan when I noticed it. The late fee was putting it over and over again. I called once I saw this and they waived 1 fee but kept the other 29 and 40 fees on there. Again, all because of a $1 difference. Stayed on the phone with them for over an hour and they did not want to fix this and said nothing they can do. It's very terrible service especially because I've stayed with this company for years and always pay off the card completely and on time and on autopay. One $1 mistake and they took the opportunity to charge extra and refuse to fix it.

I have been using Capital One to Restore my Credit after My Divorce, They did not help, they made my Credit worse even after missing only one payment, it was only 3 days late and my credit score went down 70+ points, OMG Stay Away… They don’t help in anyway, they just keep taking your money without helping to improve your score… Buyer Beware…

I applied June 22, 2021 for a Capital One card and was told I was approved online. A verification package was sent and received sometime after. I did not note the date. I went to Canada Post a few days later and they verified my identification and sent the verification back. I checked the Canada Post tracking number a couple weeks later and it showed that they had received my verification. Again I did not note the date.

I have utilized a Capital One Rewards Credit card for over 20 years. Once upon a time, I was quick to praise Capital One for their incredible Customer Service, and often recommended Capital One products to others. Unfortunately, the company is not what is it used to be, and my dissatisfaction has risen to the point that I feel the need to warn others.

Capital One credit card department Transaction support center is a terrible place to deal with. They are not understanding, not helpful and will always support other big corporations to rip poor people off. I had a transaction with La Quinta Suites which I cancelled the booking because of a storm. I called La Quinta and cancelled. They still charged my capital one credit and capital one sided with La Quinta after I faxed several documents to capital one. I was disgusted and felt cheated by La Quinta with capital one aiding La Quinta to rip people off. Once I pay off my credit card with capital, I will close my account with them. I have been with capital one for 15 yrs and felt so bad with the wicked treatment I got from them. The money involved is just $92 and nothing to me. But once I am ripped off, it hurts no matter how small. Bye Capital one for employing lousy people in your Transaction support center.

Updated on 01/05/2022: CAPITAL ONE HAS STOLEN ALL OF MY MONEY! I am a retired person with only a small savings. I had an ex who continuously sabotaged my finances. That has made me very anxious about money. Every day I would check my account to make sure my savings was still there. That was money I saved over years. All of my paychecks and tax returns have been deposited into that account. I must have been clairvoyant because a week ago I received an official legitimate paper check from the government and did the thing where you take a picture and send it in as Capital One has no bank near me. Apparently, they tried to verify it but couldn't and FROZE ALL MY ACCOUNTS! They even froze my daughter's account that I'm on!

I have been a customer of Capital One for 5 years and here's what I learnt. Unless you're retired and bored don't use this bank. The hold time is crazy and the reps know nothing and their first language is definitely not English. All verification documents need to be sent by mail or fax, What happened to EMAIL. I wish I could give them zero stars.

On Dec. 16th called to confirm what I owed in full to my cc. I was told an amount and was told that once I paid that amount I would not owe anything on my card. So I paid that account off. December 26th look at account. Says I owe 36.00. I called and Capital One admitted their representative wrongly told me the amount because they didn't include previous interest & was told, "Sorry that you had to call us and sit in phone for 45 mins but yeah our representative screwed up and still pay what you owe." So mad with this company dishonesty and misguidance.

Their purchase protection and dispute department is horrendous. It's been twice now that they didn't get me my money back despite all of the irrefutable evidence I provided. For one of the purchases, I had bought something on eBay and it was damaged when I got it so I opened a return claim on eBay and also a dispute with my bank for safe measure. I returned the item and then when they return was delivered, eBay told me that a refund couldn't be issued because I had opened a claim with my bank and my bank had to resolve it now. But despite this, Capital One marked it as a valid transaction, and didn't get me my money back even though I sent them screenshots of all of the conversations with eBay.

Agent Amy put me hold 30mins. As I worked mutual life insurance company for 5yrs. I never put on hold like this. I’ll simply say, "Will take longer so we will call you back." I got overcharged and they took care of 3 months ago. Now suddenly they want me to mail the record. I threw away after problem solved. Who save all your shopping record over 3 months? I’ve been loyal customer for easily 10yrs. Very disappointed their poor performance.

I had to put a lock, on my credit card, and asked customer service, to decline any transactions, from this one particular merchant. Well, I know the “fine” print, on locking your credit card states; certain transactions, can still go through; but if I specified to c/s, to decline any transactions from this company; they ignored my wishes, and put them through, anyway. Looks like, they care more about creditors, than their customers.

The IRA representative Mary was so unprofessional, she tried to verify my ID, even after I provided my SSN, she then confirmed my home phone (landline) successful but asked further for my current phone which will accept text but filed on her side, then she needs me to upload my ID info... Why didn't she ask my DOB, mother maiden name, address, etc; but she refused to all my suggestions and insist I've to upload my ID...! Besides, I asked to speak to a manager and was put on hold for 15 minutes and got hang up by this bank! I then called back and asked to speak to a manager one more time but was transferred the call to another representative and then just before I was told a manager is on the line and got hang up again! I'm also work for a major bank and know there are many ways to verify a customer ID! I will not be a customer of Capital One any longer!

Capital One is the worst. This is the second time you guys have done this to me. I transferred money from my checking account on the 28th to my credit card and today is the 6th and still my money has not been released. However, you guys were quick to take the funds from my checking, there leave me with no access to my money. I was traveling on a grand birthday trip. I was left with no rental and had to switch to a crappy hotel because of this. I called and called to no avail. The last representative/supervisor I spoke with showed no concern and was soooo nonchalant. Basically told me call back when checking account department was opened, even though she knew I was making an overseas call that I had to pay for.

Capital One has serviced the GM rewards card for the past several years, having taken it over from the prior servicer (GM itself, I think). Since the takeover by Capital One, services over the phone to replace a damaged card or to report fraud have been nearly impossible for someone without a smartphone and without a landline (last old-timey phone on the planet, I guess). First off, you seldom, if ever, get a native-English speaker-so, nearly impossible to understand some of them. Second, the headsets they use to talk through fade in and out depending on who-knows-what.

I received an alert when a purchase was made to report fraud. I've spent 2 weeks getting the run around only to be told I was liable. I advised them that me nor my authorized user made the purchase at a Walmart over an hour away from my home. Told them I had Ring video recording showing the both of us at home getting dressed for work at the exact time purchase was made, AND that we left home going directly to work AND could prove it with a letter or copy of our clock in punches at work. I asked them could they please obtain footage from the merchant of the person making the purchase since Capital One "after their so called investigation" decided to hold me liable...I asked them to provide proof, they would not.

I have been the biggest salesman for Capital One for years. I advise my clients to get these cards. They have always provided outstanding customer service and been my partner. I have had this account for almost a decade. All of that said, it is clear that they are changing their ways! I made a payment of $4,727.73 (payment made weeks before the statement due date) and after 4 days they had not released the available credit. They even continued to approve charges the day they received the payment but then took the account into lockdown the day after the payment. When I called I was told that this is common when an excessively large payment has been made.

I have had a Capital One Credit Card for over 11 years. I have always paid on time. I have charged it up to the limit and paid it off completely several times. I know my credit was not good when I first was approved for the card and I accepted that. Over the last 11 years I have not asked for a reduction in interest rate. However, I received a new 10,000 Credit Card from CITI Bank with a rate in single digits. Being a loyal customer to most brands I use, I wanted to get my interest lowered at Capital One. I figured since my credit score is now in the 700's this would be a simple request. Without any concern of me cancelling my card they said they could not change my rate. I even talked to a manager. She said rates are only changed when the company mails you something. I was really surprised, so I said cancel card. I guess I will be a Citi customer from now. I guess they do not care about keeping good paying customers.

Don't apply for Capital One master card because they are bunch of thieves who get a hold of your money. I have been very very disappointed with their service. I highly recommend any other company but them.

I used to have a Capital One Quicksilver Rewards card that I used when traveling abroad. Capital One canceled it because I did not use it much. I recently applied for the same card, but Capital One will not approve me for it, even though I have an 800+ score and a high income. They won't provide the reason for rejection over the phone, so I could correct it. Instead, they will send me a letter with an unclear explanation in 7 to 10 business days.

Whoever is trying to decide in which bank to do business with do NOT chose Capital One. The reason why is that once they have your money, they will never return it when you move to a different state where there is no Capital One. You better have some extra money because it will take them months before they send you money back to you or your new bank. It happened to me, and after seven months I am still waiting to receive my $10,000. If you want to talk to me about it, my email address is **. DO NOT BANK WITH CAPITAL ONE, please.

Capital One, I think everyone has seen their commercials with the catchy slogan "What's in your wallet?" and to be honest I never thought twice, but I have to hand it to them, they have one of the best applications for cards I have ever used. Not only do they have a clean interface with perks easily displayed and purchases shown with logos of the establishments, but they have a fast response time for payments (instantaneous) and watching your limits shoot back up and the cash back rewards pop in just makes you feel so darn good. They gave me a chance when I was barely eligible, not only that, but they gave me a taste of 0% APR periods and cool perks that I never thought I deserved with my standings. In combination with other providers I have earned my Good Fico score Rating I have today and I intend to keep it that way.

I am relatively satisfied with my Capital One credit card, however recently I wanted to provide a feedback and was not able to find how to do so, even though their website has thousands of reviews. Are those all fake? The issue I was trying to bring up is credit line increase. In my opinion their policy has a flaw. Let me explain it.

Be aware of all extra fees, no warnings about fees and a "credit" "limit" isn't an actual limit! They'll permit over limit when they feel like it.. and charge you extra fees.. I pay my bills monthly and keep all bills/payments for records.. Horrible "customer" service.

I was a great customer with Capital One, and had their Platinum card. Always paid off my balance and before the due date. In July 2021, I had booked a flight with Priceline for 299.00 with their 24 hour cancellation guarantee. I cancelled with two-three hours of booking due to the reason of the trip. I was going back to my home state due to my elderly mother’s health. She had fallen and was in the hospital. However, upon speaking with my siblings they had advised me to wait later due to the fact she would need assistance when released back home. I saved the cancellation and did not receive a credit for the 299.00 charge. I contacted Priceline and they told me that I had not cancelled my flight when I had an email confirmation showing cancellation.

Got an envelope in the mail saying that I was pre selected for an offer on a Silver Credit Card with a 200 dollars one time bonus. I didn't really need another credit card since I have plenty of credit line available but wanted to accept the offer. After submitting the app they denied it. After calling them to readdress the issue they just said there was nothing they could do. Run my credit for nothing. Not a good practice.

I was hospitalized for several months in 2020 and into 2021. I had 14 surgeries and 2 skin grafts, and was in a coma induced state for much of this time. Upon starting my recovery journey, I had plans of purchasing a home and using my Venture card (with $15k limit) to purchase large items. I started using my card again to purchase some of these items, and realized my line had been decreased to $5k. I immediately called customer service. An elderly man who sounded brand new assisted me and advised that because I didn’t use the line, it had been decreased. I explained my situation but he said nothing could be done. He said it was my fault because they mailed me letters warning me. I advised I never received them.

#CapitalOne are frauds & thieves. Even if you pay your credit card balance from #CapitalOne account they "hold" the payment for seven business days to make sure the payment clears "my bank". I cut the card up and cancelled the account.

Really shabby customer service. No one seems to have answers for anything. They open a claim number, and then when you finally connect with a person they have no idea about the claim. They seem baffles by what are ordinary issues, and seem dumbfounded by basic questions. Every time I call I am left concerned as to how this company is run. Do they have computers or keep records?

Capital One makes it very difficult to talk to an actual person, making issues impossible to resolve directly with them. A PPP loan was obtained through Capital One. A PPP forgiveness app was submitted to Capital One. A forgiveness confirmation letter was never received, despite their claim that one was signed. Capital One has REFUSED to provide a copy of this signed forgiveness agreement. They have been pulling payments for the interest on the amount not forgiven. However, there is no reason the full amount, which was well below $150k and used for payroll expenses in full, should not have been forgiven. Now they are saying we have to start the forgiveness application process all over for reconsideration. Capital One does not have small businesses' best interests at heart. No better than Bank of (Corporate) America.

The company eventually took a pity on my and gave my money back after filing a complaint with the Better Business Bureau.

I have had my Capital One Credit card for 25 years. In years past I did not experience problems, mainly because I put the card in a drawer for emergency purposes. Recently I pulled it out and started using it as a cash back card. I ran into a problem with my balance and quickly realized Customer Service at Capitalone does not care. They are only there to read from a script and answer common questions. Difficult questions they transfer you to a different person with a broader script to read from. In the end they do not have any tools or abilities to help you in any way. If something goes wrong with your account, there is nothing anyone is going to do about it. I DO NOT recommend anyone get an account with this Bank... Again DO NOT get an account here.. It is not worth the effort.. Plenty of banks with similar offerings and actual customer service..

Even though I have excellent credit with no defaults, bankruptcies or defaults, Capital One refused to issue me a card without explanation. They do not respond to consumer complaints in a logical, reasonable manner. I have filed a complaint under the FCRA.

Worst bank. STAY AWAY, have a joint account, with daughter who's in college. Every time they want to verify something, they insist in speaking with her. What's the point of a JOINT account??? People you can do better, bank elsewhere.

On September 8, 2021 my wife erroneously paid a $355.36 Capital One credit card bill by missing 2 decimal points and paying $35,536.00. I contacted Capital One the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on September 13, 2021 Capital One again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now September 24th and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as Capital One.

I was trying to upgrade my card to a no annual fee card. I have an excellent credit score but because I currently have a card with an annual fee, Capital One will not upgrade me to a no annual fee card that matches my credit score. They will only upgrade me to a card for people with 'fair' credit. I just paid my balance off and will be closing my account as soon as the payment posts. My family will no longer be part of the Capital One family.

Great television ads but that’s the only thing positive I can say about Capital One. I used them before and experienced high interest, late fees and a general unwillingness to work with customers. I remember calling them to try and see if they could lower my interest rate. The manager said she was (a) familiar with my account and (b) not going to lower my rate. So glad I eventually paid them off, closed the account and tore my card up.

I made a overpayment before I closed my account and never received it. Even with excellent credit their rates are extremely high. Also whenever they raise your limit they raise your interest even if you did not ask for a higher limit.

It has been nearly a week and Capital One has failed to resolve an issue with their software. I paid off my credit card with them and received no credit for my payment. I’ve been given the runaround on the phone. I found out when I received an email saying my account is delinquent! I’ve talked to 3 people and sent in proof that my payment posted to my bank account. Terrible service. I’m so disappointed that I may need a lawyer to sort this out.

Their computer system generates just about everything for them and it is very difficult to be treated like a human. Their customer service department is merely a bunch of zombies reading from a script therefore is almost impossible to have a real discussion. I've had this card for two years and never had a late payment. I paid this months after 8 pm ON THE DUE DATE online, which apparently didn't doesn't through until the next morning. I received a late fee. I called customer service and even talked to a supervisor. Neither one could or would, waive the fee. They do not humanize any situation or help rectify a situation, you are just merely just a number. I closed my card as did my husband. What a joke of a company.

To process a bill payment online must choose date to mail so it will be received by due date. Funds are withdrawn from account date sent not due date received. Should be withdrawn on actual date cashed. Also date to be received is late.

Have been a customer for a long time but they lost my business when my credit card number was stolen by a merchant and was used fraudulently. Capital One told me it would take a week for them to send me a new card to my apt. They would not overnight it to be on the safe side instead of sending through regular mail and I told them mail gets lost in these apts. They told me I could pay them $16 and they would send it in 2 to 3 days and I told them that's stupid. I shouldn't have to pay for my card to get here safely after it the number was stolen. Will be closing my account. BTW my credit score is 780 so I have great credit

I have been working on my credit and was offered a Quicksilver card and promised 200 after I spent 500 in 3 months. After several calls I was finally told that I did not qualify for this but was clearly told that if I qualify for the card I would get this $200 credit. I canceled immediately and paid my balance.

CapitalOne charged me a $59 membership fee for a card we do not use and do not want. We did not see the $59 charge. We did not receive a bill. Then, they charged me $25 as a late fee and $1.11 interest. Finally, we received a phone call to notify us of a delinquent account. I spend $30,000 to $50,000 per month with CapitalOne Credit cards for my business. We pay off EVERY balance... EVERY month and pay no interest.

We have small business account with Capital One for many years. Recently we received incoming wire transfer to our Capital One account. It is surprised to me that I found Capital One bank still charges fee for the incoming wire transfer nowadays. I have business account at other banks that have no such charge. I feel I have been robbed. I went to branch asking the manager to waive the fee, the manager told me Capital One doesn't give branch for the fee adjustment. She gave me the customer service number to call. I called the number and spoke to the supervisor. The supervisor told me that he doesn't have the option to waive the fee either.

I've been a customer of Capital One for a few years now and, overall, my experience with the bank (re: 360 checking and savings account) has been very positive. This review is exclusively about their credit card department, as it involves my recent experience with their Venture credit card. I recently needed to make a money transfer with Wise and the system didn't allow me to verify my Capital One checking account for the transfer at the time, so I decided to use the credit card (Wise offered a free transfer and there were no fees for that option either).

I went to Mill Creek RV park in TN had BAD experience, Capital ONE refused to support us AFTER I had a recorded call from Capital ONE stating we would be covered if we left the property. It's not the $100 it's the principal of them asking for 100s of pieces of paper you give them EVERYTHING you have & they still refuse to help you! Because policy on place is NO refunds period, which is wrong! If I had used my American Express card I would of been covered.. NO issues, NO questions! Capital ONE is cheap, does not care about customers only themselves & the ole mighty dollar!

I got a scam and I realize 5 minutes later That, can call the Capital One, reported the scam, and asking to stop the payment and cancel the old credit card but they insisted to pay for the scammer. The reason is "even we know it is scam but as long as they have your information, you have to pay it", that is an exact word from their customer service. So, stop using your Capital One credit card, because they will help the scammers, not you.

Capital One declined a charge for a vehicle repair. I called to find out why. They told me to verify some information and then sent a text to my phone. I did so. I was told to wait 5-10 minutes and run by charge again. I did this 3 times! Each time it was something different, still DECLINED. On the 4th attempt, I was told to scan my driver's license bar code and other things. NO!! I called Discover to inform them of the incoming charge. They sent me an email and text message informing me of the charge after I did it. I approved the email and text. They pushed it through. DISCOVER all the way!!

I recently applied for the Quicksilver credit card because there’s an active promotion for $200 cashback when spending $500 and I met the criteria for it and so I applied.. When I got approved, it turned out I didn’t get the promotion because of some error.. So, I called capital one 3 times until I was transferred to a supervisor who said to me, “I’m not allowed to disclose the reasons for being declined for the promotion” and when I asked her if she knew what the reasons are in the first place, she said no I don’t.. and that was the highest person that they could transfer me to..

I was a very good customer of Capital One for many years. I always paid on time and actually paid the card off last year and recently used it again for tuition and school books. My husband and I got a HELOC to pay for school, so I tried to use the HELOC account to pay the Capital One bill. I put in the account wrong so the payment was returned. Then I put in the HELOC checking account number to pay off the Capital One bill, but I also mistakenly put that wrong in too (the HELOC accounts have letters in the account number so it took me a few tries to figure out exactly what numbers to leave out). Anyway, the third time was the charm and I finally got the checking account number in correctly and now Capital One has their payment. Except, they closed my account because the activity on the account did not meet their expectations (because the payment had been returned twice) and I apparently violated their customer agreement.

I am ready to close all of my accounts with Capital One after having them for only a few months. I was scammed by a Chinese seller and Capital One does not give the slightest of cares. They want me to pay them interest too.

I ordered the Platinum card with a 500 limit for my kids. Within 3 weeks, and before the due date, I made a payment of $500 since my daughter was out of town and the card was being declined as the balance was very close to the credit limit. The funds were taken out of bank account on 8/5. When I signed into the online portal, the balance showed -16.47 meaning I even had a credit however the credit left on the account showed zero. I called Capital One. They said they put a seven-day hold on the account before they release it. I argued that they already took the money from my account so why are they sitting on my money for 6 extra days and not releasing the card. The agent gave me some boilerplate nonsense that made no sense. I canceled the account and the card. True waste of time.

Capital One is a terrible company. They send pre-approval letters and once they run your credit report (and mine is good) they reject your application with a new credit inquiry on your credit report. If you get a pre-approval letter beware. False adverting and unlawful conduct. I have also filed a complaint with the BBB. No more of this immoral behavior on the part of these manipulative companies!

I filled out the pre-approval for a Capital One Credit Card and was denied. The reason was undischarged bankruptcy when in fact the bankruptcy was discharged months ago. It is on my credit report. I don't understand where they get their info.

Reported a purchase from a phony seller. I had ordered a 50# bucket of chlorine tablets from a company, and paid with PayPal. I received a confirmation from them saying I have paid an individual named Thomas **. Not the company I thought I was buying from at the time. Also, was given a contact name and number for customer service. When I called the number was not in service. Fifteen days later I received an email from PayPal stating the product had been shipped from Florida with a USPS tracking number and a contact email address. I went on the USPS website to track, and it said the item had been delivered the week before I got the email. Also the contact email address was invalid. After several phone calls to the Capital One customer service, which is all from Indian, and reps that were hard to understand they concluded that the charge was valid even though I never received any merchandise I had to pay the original purchase price.

Virtually EVERY DAY I receive AT LEAST one, if not 2 or 3 emails from Capital One wanting me to "click here" to receive a credit card from them!! I have NEVER even checked them out!! So how they got MY email address IS A MYSTERY TO ME!!! I imagine that they bought it, along with countless others from some email collecting site! Their email does NOT have anything like an "unsubscribe" tab. So it is IMPOSSIBLE to ask that they STOP their CONSTANT BARRAGE of emails!!! Which to me borders on stalking!!! It damn sure is nowhere even CLOSE to being PROFESSIONAL!!!! You'd think that after there is NO RESPONSE from an email address after, say one week of sending MULTIPLE EMAILS DAILY that they'd STOP but THEY DON'T EVEN SLOW DOWN!! I've been getting the EXACT SAME thing from capital one for MONTHS!!!

I've been a customer with Capital One for 5 years. Even tho I make payments on time & pay off my card, they frequently restrict my card or put payments or extended holds for no reason. Very hard to speak to a customer service rep & reps are not helpful.

I opened up a Capital One 360 account online. Keep in mind when I opened the account they used my SS#, DOB, Address and mother's maiden name to verify my identity. They used this same information to pull my credit report when they gave me a credit card. When I tried to log into my Capital one 360 account it took me to a 2 step verification. The last part of the verification is where they send me a text and I upload my ID. When I try to upload my ID it says it can not find my account. I called customer service about this issue. They tell me they are sending me a link to verify my ID. I explain to them that the link doesn't work. Of course they send it anyway and guess what? It did not work. They say they can't help me because they can't verify my ID.

Had two Cap One cards. Realized I had been making payments to just one, and not to the other. Once I realized my error, I called and requested they credit the two late fee charges. Their response, in so many words, "Don't let the door hit you on the way out". As credit card companies go, they are the number one in suing their credit card holders. They want every dollar!

The company was great until 2021. I would remove my auto payments off sites and then I would see a charge. So the card was replaced with a new card. And I received the new card and never activated the card. And what do I see? New charges again. Capital One lets Company Charge on my account without consulting me 1st. Now I have to jump through hoops to clear charges. This is Outrageous. You let companies apply charges when they call. NO No you are in the Wrong allowing unauthorized charges.

Today I applied for the Capital One Venture Credit Card after careful consideration between this one and the Chase Sapphire card. I decided to go with this one because my friend told me that she has the Venture card and acquired lots of points towards traveling and was very happy with it. I wasn't concerned about not qualifying for the card because I have always had great credit and always paid my bills on time. My credit score today was 821. It took a couple of minutes to fill out the form, and I immediately received a notice informing me that they were unable to approve my application at this time, and they knew how "disappointed" I was. Actually, I was "disgusted" by their very unfair decision.

For the past several months Capital One has spammed my email multiple times every day. Every time I delete one of their offers another one pops up in email. I called them a month ago and asked them to stop, and they said they would, but I still get multiple emails every day and now they are sending conventional mail offers too! Do they really think harassment and lies are the way to get customers?!

I purchased 2 flights with my reward points with Capital One. I needed to switch my flights and called their customer service number as directed on their website. I was passed around 5 times, waiting on the phone for 5+ hours; still on hold. This is ridiculous. I still don't understand why I was passed away multiple times and have not yet reached anyone that can do a simple switch. I even have the flight number and seat numbers to make their job easier. Very disappointed.

On this Mastercard, I was being charged by Meaningful Beauty every month for products I never received to the tune of $225. I disputed with Cap One and showed proof. MB responded that I did get the products (a lie) and Cap One reversed the credits they had given me. Why would they believe the merchant who had no proof and not me who showed everything to clear it up even though I've paid well and have a 825 credit score. I cancelled the card and will never use them again. They don't care about the consumer.

I gave this company two (2) stars because the credit card worked while I had it and the employees were nice and understanding with me on the phone. Hello, my name is Nik and I work in Tennessee as a college missionary. I only banked with Capital One for about a (3) months before my card was terminated by the company. I bank with Charles Schwab and tried to set up an automatic payment for my monthly bill (since I was only spending so much on my account) and had troubles on multiple occasions trying to make a payment. I tried setting this up with the help of my bank as well as with Capital One and both parties discerned that the issue was with Capital One and not Charles Schwab.

I was with Capital One, for 14 years. I was a valuable customer, Who made his payments on his two card accounts like literal Clockwork. Two times that I remember, I had my cards compromised, Called the customer service number, and spoke to a csr, and get my Cards **promptly** replaced, with no negative crapola from anyone. In November, 2020, my cards were compromised again. This time, however, I called the same number, and reached a no-account, fake, phony bunch Of people, half-way around the world, who were "glad" to replace my Cards, but: they wanted me, an american citizen, to send these crooks, A copy of my Oklahoma driver's license!!!! There is and was, no way in This world. I am going to submit to this utter nonsense!!!!

I am another person who Capital One approved an offer of balance transfer for 3% fee and no APR for 12 months. I went in to transfer 5 days ago and the offer was there but I was not able to do it via app. When I went in today to transfer, it's gone and another useless offer was there of a very high interest rate and no fee. What good does transferring to a very high interest rate do? I saw it on the approval when I applied and in the papers in the mail and on the actual site last week. Today they saw I was not approved!!!! It is a complete LIE! After I get the 200 back from spending 500 in three months, this card is trash. Capital ONE is an awful company that lies!! Do not use!! Very unhelpful CSR managers. Rude!

I am a loyal customer of Capital One, on June 17th I contacted customer service number and I spoke with one of your senior account specialist, his name is Marquis.Aagent number ** from Virginia area. I mentioned to him that my credit card payment on mobile application did not go through [it seemed to be a glitched on your system] and as the result of it I got a late fee of 29 dollars. I also mentioned to him that I was affected by Covid 19 during the pandemic. He was very inconsiderate about my situation, he was not ready to help me and he refused to connect me to his supervisor. I am very disappointed at your customer service and the level of negligence towards your customer during pandemic. This is not acceptable, I am very disappointed at your level of customer service. Your employee could not honor a simple request.. Thank you.

We all know that Cap One is basically a "virtual bank" in that they are not known for brick and mortar, HOWEVER, there are those times where you simply must speak with a human. That was today (June, 2021) and I had the worst experience. For EACH question that I asked the girl, she gave me WRONG info. Even when I pressed her, she held her ground. Then I directed her back to HER OWN website (capitalone.com) and she finally relented. THEN, the very next question, she got entirely wrong as well, but this error was not found until I went to the nearest ATM to find out that I could not do what I needed to. So I asked for a Supervisor to make me whole for my time and energy and they apologized, advising that they could not do that. DEPLORABLE!!!

Capital One enticed people with a 2% interest rate, got new customers and then lowered it to a fraction of one percent. Then they started closing branches. The bank has no visible customer service. Whatever tellers are at the few remaining branches have no authority at all. They also suggest you try a different bank. You try to reach the bank online and you can wait for hours on hold. I'm going elsewhere. It's unbelievable that any company would make it so difficult to do business with them.

Unable to change my address online. Customer support is outsourced and difficult to understand and or hear. 3 calls in 2 hours to change my address and the rep placed me on hold for 17 minutes. The security code texted to me, timed out because the rep did not know how to accept my address change through their text. Finally, released the call. My address still unchanged. Terrible!

How does Opensky charge for minutes for my phone which I didn't receive? The amount $12.20 ends up, $145.30. Most of which came from $300 deposit, plus a check for $64.80. They told me to dispute the charge.

Three weeks ago, I received an application for Capital One's Quicksilver and what led me to apply was an offer of a $200 bonus if I spent $500 in the first 3 months of the cards activation. I applied and was accepted. I tossed the advertising information in the trash because I assumed that Capital One would honor the REWARDS offer. The card arrived in the mail so I called them to confirm the $200 bonus offer via an email. They declined. They indicated that I did not qualify even though I had the information in writing. I have since found the identical offers on their websites dated 5/28/21. Capital One does not honor their promise. I've been on the phone three times and talked to supervisors but I have been denied the bonus offer. This is false advertising....IE: fraud. If you get the same offer and apply, make sure that you keep all of your documents because don't expect Capital One to honor it.

NEVER move and change your phone number. Disabled, veteran, 70 years old, Leukemia, spinal cord injury, homebound,. Locked out of my 3 accts because they require state id. I can't leave my house. I have what I need for id not good enough.

The Capital One online and app systems are comprehensive and easy to navigate. Checking, savings, and credit card accounts are all right at your fingertips and easily viewed either comprehensively or individually for more detailed info. Big thumbs up!