Capital One Reviews

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!

Capital One has closed most of our local branches which requires me to drive about 10 miles for their ATM or in person banking. They have mixed up my checking account with that of my son's causing his account to be overdrawn. They withdrew money from my savings account by mistake with no apology when I spoke with the teller...just basically said it was no problem to fix. Their customer service was so bad I wrote a letter to their CEO.

The longer I do business with Capital One the more I distrust the company and question its ethics. I have been a Capital One Card Holder for four years. I've always paid my bill on time and in that timeframe I've only filed three or four disputes and I am very active with my card. Each time I filed a dispute I had overwhelming documentation that the company was in the wrong, or that the charges were fraudulent, and each time Capital One's dispute department made it clear to me that the charges would remain and that opening up the dispute was a mere formality. It's like a kangaroo court. The decision is already predetermined and the dispute department is just going through the motions. I booked a hotel room in Atlanta, GA while I was in Dallas, TX. I went off the pictures on the website.

Capital One is a great Business Card to have, their Credit Card service is excellent, and they will stand behind you in every purchase you make. “But BEWARE of their Travel Center.” Tt is the Worst Travel Booking Agency I Have Ever Used! On several occasions I was on the phone waiting over Two and a Half Hours and they never answered my call! If you have a flight problem with the Air Lines they are totally unless and you will not get any assistance or support from them! I would recommend that if you want to travel, “Take Your Money from Your Capital One Points” and use it to book somewhere else It will cost you less, be much easier to book and if there is a problem you will get assistance because The Capital One Travel Center will not give you any at all!

There was an order for food made and quickly cancelled with the merchant. The merchant proceeded to charge my card after the order was cancelled. I called Capital One to dispute the first time. The representative said all take care of and credited. I was checking my account and noticed the charge reappeared on my account without any notification, call or letter. I called and the automated answering service does not work. Plain garbage. I was on the phone for 23 minutes to dispute an error. Completely unacceptable from Capital One. The charge should have never been added on. The order was cancelled and I was under the impression as my credit card and representative Capital One would be on my side. It looks like you're not. Paying off my balances and will use my other cards effective next month. No more business with Capital One.

Very Poor Customer Service. They do not value the customers and are only interested in their bottom line. I would not recommend using a Capital One card. Their customer service has extremely long wait times and they do not care about their customer satisfaction.

This was the worst banking experience I've ever had, and I've had some pretty bad ones. With Capital One, I started an account. It took weeks to get funds transferred in - failure after failure, and when all that finally got worked out, I couldn't use them for everything. They put a hold on the account and held my money hostage. I called night after night. They'd put me on hold and just leave me there, after transferring me from department to department. There's no other way to get ahold of them other than snail mail. The situation is currently ongoing. If you're going to bank with any organization, I highly encourage you to pick a neighborhood bank, and whatever you do, don't choose Capital One! Terrible service! Totally incompetent. My next report will be to the Attorney General of my state to just try to get my money back.

In this time of Corona Virus, I missed a payment. It is hard to keep up. I was given a fee which Capital One refused to waive. I have paid regularly and called to have this twenty five dollar late fee assessed. I was not given notice to my recollection of a late fee. I feel Capital One should exercise moral character during this economic hardship we find ourselves in. Truly saddened money is replacing morals for Capital one.

Talked to them today. Issue resolved.

We saw we was preapproved for the Quicksilver card. We go on mini vacations, rent cars, and hotel rooms. A card is a necessity for us. I was given a $1000 credit limit. We used the card a few times and paid 100% of our bill on time each month. We must have had good enough credit as is in order to prequalify for the Quicksilver card. I watched my credit score drop 40 some points and my available credit shrink to $150.!!! It is a nebulous process getting a credit limit then seeing your score sink out of sight through the normal use of a credit card and paying it all off in a timely manner. This is a cheap looking piece of plastic. There is a strip which has a phone number to call for activation. When you peel this off there will be a dirty sticky face on your card. Alcohol scrub will take the shiny surface off. I applied my rewards to my bill when I get them.

I had fraud at my bank! They were suppose to put a hold on future payments from March 15! They did not do that!!!! I had to change to my good credit card!! They sent my a new Capital one credit card in the mail!!! Which I did not activate! To double the trouble that put it online which they knew everything was hack and that credit card number could be used by the hacker!!!! I told them send me a bill in the mail with the old number. I will pay what I legally owe them!!! I don't want them anymore. They're not honest in my opinion!!!! I pay my bills always. They're not sending me a paper bill so as to add up late charges! My advise get a better card than Capital one! It's bad enough to get hacked then have to fight with your credit card company!!!!

0 Stars! This is literally one of the worst companies I have ever dealt with for any type of service. I had an ATV loan that was financed originally through another bank and my account was acquired by Capital One. I paid the account off in 2018 after a stellar payer history. I went to sell my ATV only to find out they they never released the lien on the title. It takes me 15 mins every time I call in to even get to someone that can speak about the account and they are completely useless from there. The only story I ever get is that it takes 15-30 days to resolve the issue. This last time they explained that everyone is working from home and can only mail and fax stuff on Fridays. Is this company for real!?! What year is it? I will never use their services again and will actively dissuade others from doing so as well.

April 9 got charged two cash advance fees, despite no cash being advanced 4.5 worth of calls to no avail. Just a big runaround. Bad enough you have watch out for scammers on the streets, now they're in your wallet. New slogan-Crooks. That's what in my wallet!

This bank is just bomb. I love them SOOOOOOOOOOOO much!!!!! They've been with me for years. This bank ALWAYS has my back. ALWAYS. It's a ride or die bank. The only complaint I have is that they outsource their customer service to countries with thick accents who are near impossible to understand. If 98% of your clients speak English and you must outsource, why not outsource to countries who have cultural and language competence in the country you primarily serve? Like Canada, Japan, Mexico City (not other areas though), and Jamaica. These are all really good countries to outsource to. NOT India, Pakistan, Columbia, Nigeria, or Central America.

On 3/29/21 my husband and I called to let the credit card company know that the credit card was not arrived as they stated in the email they send us the card on 3/18. The card was supposed to be coming on 3/24. We called and we had to be 1 + hour on the phone bc the rep didn't believe that it's actually the right people. She then put restricted on the account and we had to transfer to the fraud dept. We had to take a picture of the ID and uploaded to a special site and only after that the so called restricted has been lifted. All of this bc we were worried that the card was lost. Unfortunately we were treated so bad and we were humiliated just bc we didn't received the card. No one should get treated that way. Needless to say we are very disappointed from Capital One customer service. There are many banks that would love to get out business.

If I could give zero stars, I would! I sold a controlling interest of my company in 2018. The new owners stopped paying me less than 2 years later. I decided to sue them in an attempt to take back my company. They decided to hide behind the bankruptcy laws and to declare bankruptcy. Once bankruptcy was filed Capital One froze my account and stole $1835.00 cash rewards saying that my rewards were forfeited due to a bankruptcy I never filed. I had been a client in good standing for 19 YEARS!

I own a small business. We've had Capital One business credit card since 2003. Paid our bills online. All of a sudden Capital One doesn't recognize us online. Therefore, they locked the online account to have access to pay bill online. I called the phone number on the screen and the service rep was the rudest person I'd spoken to in a while. The account is still locked since September 2020. They send a bill with the due date that is the same date your bill arrives. They are charging interest and late fees to no end. I have filed a complaint with the FEDS and the BBB and Capital One has not responded to either complaint.

I have filed a dispute for $83.77 since day 1 (dec.08.2020), after three months of back & forth, today (mar. 09, 2021) they have permanently closed it to the merchant favor, stating that I did not file in a timely manner.

December 29th 2020. Reach out to CS. I got someone outside the country, I ask to be transferred to the USA. She said fine, I got Jason the supervisor (not looking for a super. but ok). I explain that I'm a longtime customer and looking for a better rate on my transaction fees, to which he reply "no what you have it's it" so I said, "That's it. You are not going to see if you have anything better?" "No." I reply, "Then I may be force to cancel your credit card." "You can cancel online." I said, "You can help me with closing my account." "No, you can do it online" and hang up... I was very upset, but decided to wait on the cancellation of the card.

I applied for a Capital One card when my credit was not good. I was approved but, at a high interest rate. As my credit improved and I was seeking a better interest rate or a waived fee, they would not help. Each time I have called customer service, they have never helped. One time I was making a payment on my computer and it shut off. I had to restart it and enter the payment again. Because of this, the payment was literally made 3 minutes past the time that they allow payments to be made & they would not waive the late fee. Even though, I called right away to tell them what had happened. The payment was submitted and they would not waive the late fee. When I wanted to pay the credit card off in full, they would not work with me to make it easier to do. They seem to want any fee or interest they can possibly get from you. They are not interested in working with their customers or keeping them.

I have a Quicksilver and Venture card with Capital One as well as a Walmart card. They have been absolutely amazing in terms of customer service. I actually received an Amazon gift card in the mail from them. Out of all the companies I have, Capital One is the first to ever send me such a gift. Amazing company and will continue to be a customer.

I have had the worst experience using this bank to try to get a credit card activated. Customer service was absolutely terrible and time consuming and got nothing done. They completely wasted my time by asking for multiple documentations then denying them for literally no good reason. Terrible terrible customer service. I will never be dealing with this bank again.

I never have written a review before but I'm just so angry.. I was fraudulently charged $400 for Google Play cards that were purchased online through Walmart. I have made numerous calls and written statements that I did not purchase these cards. They said "there is no proof I didnt." They said it's my fault and charges remain on my account. Very insulted and disappointed!!! I will be canceling my card. They will NOT be in my Wallet .

So I am widowed and disabled and I used to be able to pay my credit cards on time until Covid19 hit and my hearing was delayed twice but anyhow I got approved back in December 2020 and I just got my back pay and paid all my credit cards off in full And guess what Capital One did to me?! They lowered my credit limit and even shut off my checking account after I deposited 100.00 in it. I think I am being discriminated against for real. This was no fault of mine yet here they are punishing me after they ruined my FICO score. I put 3 of my 5 cards right in the freaking shredder because if I can't pay with my debit card or cash then I don't need their damn cards after what this place did to me! I am furious! Don't ever bank with this place especially now. Was this Covid19 my fault? Nope. Thank God for Biden because at least he gives us food stamps SMDH. Dems keep them poor and always at war..I'm so salty right now..

So booking housing for frontline healthcare and the housing was $388.90 over my card limit. The person on the phone would not work with me at all. It's very frustrating and felt racism was at work....

Worst customer service by Capital One during a pandemic!!!!! The worst! Not helpful & NOT ethical. Miscommunication, lazy! Do not assist a customer with an issue. Capital one Actually referred to a merchant as liars and then sided with them in a dispute after I obtained written resolution.

Nowhere in the terms and conditions does it say that you cant have a credit card w/ Capital One if you have had charges in the past. I was approved for a card and have used it. They decided to close it because I have had drug charges in my past. That has nothing to do with my card that I pay on time. This is discriminating and nowhere did they ask could they do a criminal background check on me or did I approve it. Wouldn't this be illegal? They said they have investigators investigating all applicants now. Has everyone signed a criminal background check with capital one? Very unprofessional service. I would not suggest using this company.

I have been a Capital One customer for over 18 years and up until about 3 years ago they were great, the best, I used no other card and I had plenty. Now the customer service is just awful, I'm disgusted every time I have to call them and since Covid and new technology I have more fraud on my credit card than ever before. Capital One says they're on your side and going to resolve issues but they don't. I now use any other card, Capital One rewards are not worth the hassle you will go thru when a problem hits you and your card.

On 1/28/21 I went to their website, like I have done for the last NINE prior payments without issue, to schedule a payment. After a few days of it not posting to the checking account I have on file with them I get an email asking me to contact them to address a "problem" with my checking account. I called the credit union that I have the checking account with on 2/3 and they never received the payment. I called Capital One and spoke to Elaine and explained what happened. Elaine wasn't much help and didn't seem to know what was going on. I then called back on 2/4, and spent more time on the phone; my lunch time. I spoke to Rowan, who told me that the account they attempted to debit ends in **. I was surprised, this checking account was never provided to them to debit that account, since it's been closed for at least 2 years.

I found a charge that I did not make. I made a fraud claim. The Fraud Dept denied my fraud case and when I called to ask why because no reason was given in the letter, they said because I continued to make payments on my card that I was at fault and the vendor that had charged my account did not have to prove I made the purchase. I have never had this issue with any other credit card company.

BEWARE!!!! PREDATORY COMPANY THAT WILL GO OUT OF ITS WAY TO DESTROY YOUR LIFE. It started at 600 dollars. I became disabled, I couldn't pay all at once, I defaulted. THEY WILL SELL YOUR ACCOUNT TO MIDLAND FUNDING, WHICH WILL THEN SUE AND DESTROY YOUR CREDIT. I am disabled, I am on disability. I WAS TRAPPED FOR 7 YEARS IN A HOLE because of this company, I finally got out from under them and now? THAT 600 IS 1500 AND GUESS WHAT? They hired a new law firm, so they could sue me again and reopen my account and DESTROY MY LIFE.

Capital One turned their back on me. I then turned mine on them: Within 15 minutes of placing an order online, I realized something was wrong and called Capital One. I said please stop my purchase I just made, I believe my purchase is a scam. They said they could not and that it would have to post first. I said that it was 15 minutes ago and now I'll lose my money. They said there was nothing they could do.

Two big words: STAY AWAY! Capital One is dishonest and lacks transparency. They also give their customers zero platform to voice their opinions or appeal a decision. Capital One has absolutely ZERO sense of loyalty. I was a customer for 20 years, never missed a payment, and one day I tried to set up a link to a new account to make my payments from, the payment got rejected twice and Capital One permanently closed my account. Worst customer experience by far. Use Charles Schwab or even Wells Fargo! They're much friendlier and loyal.

I merchant kept my credit card on file without me knowing. They charged my credit card over $500. My previous business with this merchant has always reflect minimal anything under $100. I called the merchant to find out why they charged my card. The merchant indicated I had placed another order with them that they shipped. I told the merchant I have not received an order from them and neither did a place an order with them since my last one in August 2020 which was under $100. The merchant said they would refund me if I returned the items -I explained to the merchant and Capital One on 2 occasions -how can return something I never received. After explaining this to Capital One and the merchant -my credit card company sided with the merchant and now I am out of $500.

I have credit cards with USbank, BARCLAYS, GE, Synchrony, Chase, CapitalOne,... The only reason for having credit cards to me is paying bills with different pace but I always pay in full and on time because the concept of interest and late fees never made sense to me. Important fact that I just recognized is that Capital One is the only creditor (Walmart credit card) which does not forgive you even once for paying after 8 pm Eastern time on the due date (Even for a 6-years customer who always pays the whole balance and on time). Let's say when you just changed your address and did not receive your bill in the mail and you forgot about or did not know about the 8 pm ET, no courtesy for you or even their long term clients.

I own a Savor one card. There is a annual fees and the customer service usually waives (they did for last year). I called the customer service multiple times before I was charged the annual fees this year and I was always told that they can only waive off once the charge is levied and not before. I explicitly asked what if they cannot waive and I got an option that the card can be downgraded and the fees will be automatically waived.

I want my $75 back. Capital One, you're aweful. How can you be allowed to treat innocent people this way. I am calling you out!! Consumer Affairs is just the start buddy boy. I hope you can live with yourselves. Canadian, I beg to differ. In Canada we are inclusive, you're locked up so tight that it's not even funny.

The statements for Deposits and CDs received from CapitalOne 360 are completely useless. Instead of reporting the interest Paid Year to Date they report the interest accrued to date which is completely useless for any accounting purposes. At year end I need to know the total interest received for the year so I can plan my taxes accordingly, the interest accrued does not mean anything. This is the worst accounting method that I have seen with any bank. What we need on the statement is the interest received YTD and also the interest received for the previous year. Where the hell did Capital One hire their accountants ? The monthly statements are completely useless and the account details showing online have also the same kind of problem, they need to report YTD interest received and previous year interest received, but instead they report interest accrued to date which is a stupid number that does not serve any practical purpose.

If ur an ** with an account with Capital One you will notice when you make payments there will be a really long hold before your available credit change. Also you will notice when speaking with representatives the options available to help you is different and the amount of decline transaction increase causing you to have to make a call more often. After investigation for 6 months it’s concluded that racism lives at Capital One and is a behavior that’s welcome. Shame on capital one.

They are THIEVES!! Back in October, I had a fraudulent charge on my account for $40. At that time, I only had $2 left in my account. They allowed the fraudulent transaction to go through DESPITE having my account on Auto-Decline. I called and explained that wasn’t a charge I had made, and the CSR gave me a hard time about “verifying my identity.” I told her I no longer had my phone number on file, so she said she’d literally have to send me a code in the mail and for me to call back. Never received this code, the charge was never disputed, and they “permanently restricted” my account. I’ve been trying to get this resolved for MONTHS, including the other day when I had the same issues with “verifying” me.

It's no wonder this company has to give you $400 to sign up for a new checking account after all the irritating hoops they put you through to purportedly verify your account online. I spent hours trying to upload photo IDs and talking to customer service agents, all to no avail. No bonus is worth this much hassle. I gave up after a couple of hours, figuring this is NOT a way to start a relationship with any business.

I hate the fact that they decide when to put random holds on your accounts. With covid and lockdowns I have had to resort to online Christmas shopping for 10 year old. Any other time payments clear before midnight same day, but when you're on a time crunch that is when they decide to do holds, really. The money has already clear the account.

Applied for a Capital One credit card and was turned down. Reasons given were my credit score was 798 - it has never been under 800, no history of revolving balances - had my Jpmcb card over 10 year, and length of time accounts have been establish - over 10 years. Capital one did a hard credit check which cost me several credit score points and had the nerve to tell me they were refusing me a card. Just got done paying a house mortgage 15 year off in 5 1/2 years and have no debt. I don't know what kind of person made the call of not approving me for the Capital One card - must be an idiot. My personal opinion. Capital One will not issue you a card unless you have debt. I know one thing that will not be in my wallet is a Capital One card.

I made a purchase from a company that appeared to be from CA, it was from China. The warranty for the two pairs of shoes I purchased said 100% guarantee. When the shoes arrived, they fit poorly and looked cheap. Immediately I contacted the company for a return address. The company then began to negotiate the refund they would provide and informed me the picture I had provided, showed the shoes to be in great shape therefore they would not refund for the following reasons: it's too far, the cost to send them back is too expensive, there is a pandemic going on, they may never arrive to China etc. After ongoing correspondence an address was provided, the shoes were sent back (at my expense).

They owe me that one star, they have deceptive practices. They held my payment that I paid from the same account that I have been using since I opened this account and the same method always pay on their app. 6 days later the payment still hasn’t posted and I got charged interest on the balance they are “holding”, customer service is a joke and will give any excuse to get you off the phone. The app states payments would be posted the same day or the next day if the payment is made after 8pm. All lies just so they can charge late fees and interest on the balance that was paid in full.

During such an awful time in this world this bank holds your payments! Even though you have never had a issue. Same bank, same account, never late, never returned! They're liars! One person tells you one thing and then you get the run around!

I received an email from PIA reference renewing my account automatically, and charging me $39.95. I emailed PIA, and told them I didn't want to renew, and wanted a refund. I called Capital One, and advised them I didn't want this service and was disputing this charge that posted on October 28th,2020. They refunded my account $39.95 on October 31st 2020. On November 10th they re-charged $39.95 back to my account. I called them, and asked them why, and they said PIA said it was correctly charged, and that I had the services. I found the reference number for the PIA cancelation, and I tried to send the reference number by fax, because Capital One wanted proof of it, but of course it didn't go through. Capital One claims they sent me a letter in the mail that I never received. I also spoke to three different agents who said they would send a letter to my work and personal email accounts, that I never received. I even checked my spam folders.

I have had an account with Capital One for over 37 years. I have lived in areas of the US that do not have a local Capital One. However, I was still able to do my banking online. Likewise, I had a line of credit with Capital One for over 26 years. In May 2020, Capital One decides to discontinue their lines of credit. However, they failed to notify their paperless customers. In July, I noticed that my account was locked and the balances were zero. I called customer service and they advised that they have discontinued this service.

Charge interest on new purchases. Had a credit on my account and they charged interest on my new purchases. I will not bank with a company that is not ethical. They charge interest on new purchases, they prorate into the future on new purchases without giving you the opportunity to pay off.

Do not trust this bank. Pure trash customer service. I bought a cell phone from electronicsforce.com, also known as cell2get.com. The website sent me the wrong phone. Then they did not want to send me the correct phone. False advertising. So I call Capital One and get a temporary credit. 90 days pass without them asking me for more information. After 90 days they rule in favor of the merchant. So Capital One won't side with me because I did not reply within their request WHICH THEY NEVER SENT ME ANY REQUEST FOR MORE INFORMATION. Capital One supports false advertising. Plain and simple. I urge everyone TO AVOID THIS GARBAGE BANK AND ITS CREDIT CARDS PLEASE. Do not go through what I went through.

They target a specify demographic with their new floating billing cycle terms. I called the day they released the new terms and was given false information regarding my interpretation of the terms that were presented. You would think that they would educate their staff to effectively assist their customers in the event that there is a problem. BOY WAS I WRONG! Not only were they not able to articulate the correct way to calculate the correct statement date I was informed by a manager not to listen to anything that the first representative say to you....

Paid them off before the next billing cycle and Still was charged an interest fee. What a rip off place. Ask a supervisor there if they could waive that fee and they would not be willing to do so After I paid them quite a bit of money to pay It off. Would give 0 stars of I could.

I am not happy with Capital One. If I could leave 0 stars I would. I have been with capital one for about 2 years until they recently closed my account for "fraud". I went into my online account in hopes of paying one of my cards off when I finally received my unemployment. I decided to pay with my checking account because I had misplaced my debit card. Well big mistake because when I put my checking account number in I made a mistake of putting a 7 instead of a 6 for the very last number. I checked my account everyday wondering why my payments had not posted. I made a $32 payment on the 9th and then a $532 payment on the 11th when I received my money (from the same account). So after days passed by and my payment still had not posted I decided to give capital one a call.

This company will cancel your charges without being able to give any reason. This usually isn't a problem, aside from some random third party telling you what you can purchase, but sometimes you will miss out on an incredible buy. I, for instance, had to pay an extra $1000 when I missed out on a 30% off flash sale on an UST projector. After finally getting a hold of customer service and after they finally managed to get my account back up the items were no longer available. ** company through and through. Do yourself a favor and go with another creditor.

Capital One mishandled my dispute and due to their advice on how to proceed I lost $943.68 from a vendor for a service that was never provided. Capital One never returned calls or followed up and did not keep accurate notes. It is has now be 7 months since I first filed the dispute and I just had to file with the BBB in order to get help to move this along. I am a long time customer with a great history and they refused to own their mistake. Terrible experience and super frustrating. Agents are nice, leadership is thoughtless.

I have to say I was excited about opening this account because the reviews was great. But I have had nothing but issues. The debit card was messed up. Cannot be used. The security is so tight I cannot get otc code because I have a prepaid cellphone. Disappointed.

I have two Cap One cards that I've had for years. They are always paid on time and early in the cycle. I haven't had problems with them until recently. Earlier this year 3 fraudulent charges were made on one of the cards, 3 charges at fast food restaurants between Pensacola, Florida and Texas, all during the worst time of the pandemic this Spring. Called Cap One and these were remedied. They sent me a new card to replace the one with the fraudulent charges. I tried to activate it and the nightmare began. They were wanting me to prove who I am by scanning documents and sending them to them over my cell phone. I said "no" that I'm not putting myself at further risk.