Capital One Reviews

I had agreement with WCJ, Inc. of Woodand Hills, California that for $75 fee they would give me address or email or phone number for Michelle Ann **, born 04/28/1951 in New Rochelle, New York. Dino only gave me address and phone for Ricard **, who was her ex-husband from Garden City, Michigan. They divorced in 1975 and Richard said he talked with her in 1985 when she told him she was moving to San Diego with her mom and sister Marlene. Dino failed to give me any direct info on Michelle so he violated the agreement for $75 fee. Capital One has denied my dispute twice with no reasons given.

I have dealt with Capital One a few times - twice before to pay for bid purchases and currently set up through Walmart. I have never had any issues with them and therefore content with this company.

Capital One was one of the first to provide me with a credit card with just so so credit so I could re-establish my financial future. Rates are reasonable. Customer Service excellent.

Do not get this card. After 3 years of every payment on time balances paid off would not give increase and did not specify to me that my credit would be run again after inquiring about them raising my limit. The inquiry I had no knowledge about. If I had known that when I asked for higher limit my credit report was going to pulled I would not have requested for higher limit. I got this card because it said it could help build my credit. So if you pay on time and pay off balances after 3 years no increase. All credit counselors suggest asking for increases of spending limit. This card will not help you. I wish I could go back in time and have applied for a different card that would have given me limit increases over time. My card was blocked at a very crucial time when I needed gas. I was cut off from using it.

I love my Capital One credit card. They are easy to work with and accepted everywhere it seems. Their customer service is also top notch!

It offers the convenience of quick check out without the hassle of counting out your money and checking your change after completing your transaction.

I have had this card for more than 10 years. Their customer service has been wonderful. They always go to bat for any customer dispute. The rewards are very generous and I have gotten so many free things with the rewards.

Great card especially for traveling internationally as there are no foreign transaction fees. Plus being a Mastercard branded card, it gives loads of benefits such as auto insurance for rental cards.

I have banked with Capital One for several years. Decided to add a business bank account earlier this year since there were one of only branches open during Covid-19. I am gravely disturbed with their policies for new business customers. I am an easily verifiable business for over seven years. Branches are now being completely run by their tellers - answering the phones, acting as personal bankers, a different story every time you call customer service regarding an issue that needed to be resolved with my account. It has been 90 DAYS and the issue with my account has still not been corrected after dozens of calls WITH NO RETURN PHONE CALLS and even overnighting two letters to the CEO Rich Fairbank in an attempt to personal attention. Branches are dropping out of site now. GET YOUR MONEY OUT OF THIS BANK BEFORE THIS DISAPPEAR WITH IT!

I don't use the GM Card very much so forgot I had a transaction on it. I never got a bill in my email or a paper bill sent to me. I also did not get anything that said I had a past due statement. I look up my accounts and my credit report on occasion just to check on them as a fraud prevention thing. Lo & behold, there was a billing late statement over 30 days late. Capital One reported this late statement To the credit bureau without even notifying me I had a late statement. So, I immediately paid for the bill and late charges. I then called Capital One. They did not care that I didn't get a bill.

I have an 827 FICO score and bunches of credit cards I've amassed over the years. Since cancelling a card can have a negative affect on my credit rating, I don't cancel the ones I don't use but I only use the Capital One. Never an error, online billing is timely and accurate.

I have had no problems when it comes to using this card. I can pay easily on line, their app, or my bank's app. I get free credit report and score with notifications of anything has changed.

Capital One is like most cards, however, the reason I signed up for this card is that it does not charge for foreign transactions. Fortunately, a number of other cards are now not charging for foreign transactions.

Am very pleased with the quick access I had to this card after filing bankruptcy. Also they raised my limit after only 3 payments. And gave me an offer to refinance my Jeep.

They practice unfair and deceptive business tactics - are racist - and will discriminate in their card fees, limits and culture - they are borderline criminal in their tactics - stay away - you don't need a card that badly.

The agents can't explain their own policies. Slow, inefficient and unable to answer my questions about my account. I certainly don't feel safe with this level of incompetence. Closed the account within a week.

I used for Costco and all it gives you is what you owe at end of month. It would be great if more closely linked and give details of ALL purchases.

Capital One is by far the best card out there! The rates are great and their customer service is above par. They also have never left me on hold long or transferred me to several people to get a resolution. I love Capital One!

Having a credit card and keeping payments current has definitely helped my credit rating. My problem is that there is an annual fee and there are no rewards. I realize my credit was poor and was lucky to get a credit card so really can't complain. I do like having the card for gas purchases due to the high occurrence of theft through using debit cards at gas pumps. I pay my card off every month for most part to avoid high interest rate.

Consumer credit card company has helped me to increase my credit rating. They have raised my credit limit at least three times. They often offer me opportunities to purchase merchandise at a lower cost. They will help me to purchase another car by giving me a pre-approved account.

Capital One has a decent credit line and is accepted worldwide. They have good customer service. But their interest rates are sky high and will never go down, over the entire life of your account, no matter how wonderful your payment record and credit score may be.

Easy to obtain with average credit. Since I have had the card with tips listed thru the app I have been able to boost my credit score 54 points paying off 2 delinquent accounts. Helpful tips for a person looking to build credit.

I wasn't very happy with their miles program. When converting miles to cash it was a poor cash reward, so I stopped using it. After a few months they offered to switch to a better cash reward card which I appreciated. I really appreciate the alerts every time my card is used; some other cards only alert when you're over a certain amount.

Capital One decided they didn't like Plaid, now owned by Visa, so they restricted all third party financial tools from accessing customer accounts. Now we can't use some of the most common personal financial management tools available. What a stupid hill for Capital One to die on. No Venmo, no Truebill. I have two cards and two bank accounts with Capital One and they will all be closed because of this company's arrogant self-service and lack of consideration for tools their customers want to use. Some executive at Capital One thinks they've made a smart call and they're sticking to their guns. They're just losing customers.

It is similar to any other credit card. I have received this one being a member of Costco, however there are other cards can exceed the perks offered by Capital One. The credit rating is limited to the Primary Card holder irrespective who is settling the bill at the end of the month. They do not offer any other perks outside the typical low percentage on each purchase.

I’ve been very satisfied with Capital One credit card. They notify me if an unusual charge has Appeared. If there’s a questionable charge they immediately look into it and notify me as to where we stand.

CapitalOne offers unique card numbers for online purchases, which means if your card number is compromised you don't have to get a new card. Big time saver & less fear/ hassle when it does happen. (Cause we all know it is going to.) It is great that they offer good tech solutions & still maintain a great 24/7 customer service team customer service for calls too.

Capital One Credit helped me with my auto loan, and has been fair with me. I also have to other credit cards from Capital One and haven’t had a problem with any of them. Very professional people to work with.

Tried to protest a charge a couple of months ago. Had to send inquiry to Capital via snail mail. Never a word from Capital. My wife was on the phone 1 hr. and 31 minutes last night. Call back in 24 hours (Capital Personal Card). I talked to same operator to cancel my Spark card I have had for the past seven years. This company has gone straight to hell.

This credit card is one point shy of being a fraudulent company that takes advantage of consumers who are in desperate situations. The interest rate and fees should be illegal.

I have a Capital One Quicksilver card, and I love the cash back rewards. The mobile app is very convenient for account updates, I just wish payments would post faster through the mobile app.

They make changes arbitrarily. They "improve" the card without finding out if the customer wants the change. They don't care if the customer is inconvenienced.

Have been with Capital One for many years and they are awesome to work with. Payments are easily made online and cash back is quick.

Capital One sucks. I applied for a credit card. I get approved then they send me the card. I call and activate the card. They turn around and said I am not the person. I sent every ID I owe plus SS and no.

I love Capital One. I use it exclusively for everything our family does. I earn points on my purchases which allows for many things but I mostly use for "travel erasers". It's wonderful. Also, Capital One is up on everything about your account. I get emails or texts inquiring if I purchased something that doesn't seem right to them. Believe me, it's helped in the past when my card had been fraudulently used with never a penny charged to me. Like I said, love my Capital One!

It is convenient because it's a tap card, which has become essential in this time of pandemic. It is widely accepted which gives me peace of mind when I shop. And, very important to me, the bills are accurate and making a payment is easy.

Their interest rates are way too high. They're not community-minded. They don't give their longtime customers or clients any breaks. They're a nightmare when you miss 1 payment!

My Capital One credit card can be used just about anywhere. Never had it turned down anywhere. I have found that Capital One is very careful about security. If I lose or misplace a card, it’s easy to correct the situation. Plus, I like the points system, it's easy to use and understand.

I unfortunately was the victim of scammers: I ordered online 2 pairs of shoes I never received. Instead I got a fake pair of RayBan not even worth $5... of course from China!! I provided all the documentation to Capital One but even though they recognize it was a scam, they refuse to refund me unless I provide them with the proof that I shipped back the item I received... to China!! Of course, they do not cover the cost of that shipping back which will have to be from my own pocket!! I am closing all my accounts!! Bye, bye Capital One!!

Due to Covid-19 situation, the merchant I transacted with in India in March 2020 was unable to complete a fully-paid-for tour itinerary. I filled out and sent a Dispute form with Capital One. I did receive a Purchase Adjustment, but was reversed with interest two months later (May 2020). Capital One asked me for more documents, including flight records indicating that I left India in the middle of the contracted duration and shared me invoices that the merchant provided to Capital One. It should have been evident from the documents gathered that the merchant was unable to fully fulfill their obligations yet Capital One sided with the merchant citing “Visa technical requirements”. Really?

Actually, I LOVE my Capital One card. My limit is manageable and it is welcome everywhere. However, I do believe the interest rates are too high. I have written to them, to no avail. And the fees are costly.

Capital One first card to approve me and gave me a chance. They exceeded my expectations with credit limits and communication. Capitol One have bank accounts, apps, car financing and more. I'm happy with their customer support quick answers. I'm overall happy with them.

Love the card. Always there when I need it. Never have any problem and very good customer service and would recommend to everyone.

This company makes it easy to do business, they are responsive, customer service is superior, and the website is easy to navigate. Rewards are above average.

I had a Costco vacation trip canceled and 10 days later no credit has been applied to my account. Costco verified that the funds were released but 10 days later no show on my account. Problem: Account only had one charge, which was the vacation. A payment was due, so I had to make a minimum payment and hope that the credit to the account would occur within a 15 day period. I will end up having overpaid account balance AND will incur a finance charge for the noncredit amount, which Cap One says the will refund to me. All of this mess due to a very slow account credit process. They do not seem to understand that they will ultimately lose $ on this scenario. Have been a Cap One customer for 15+ years... And generally pay full amount due every month... No consideration for that.

This is a good company. I've been with them for a year and a 1/2 as never missed a late payment. I was a few days late when I 1st got the card and that late payment is on my credit report and the only thing that's really hurting me. I ask them if they could change it because it's the only one late payment in a year and a 1/2 And they said no but they did give me a credit card when no one else would so I do thank them for that.

I paid my Capital One credit card. Please make sure that there is a 0 balance owes on my Capital One credit card account ending in **.

I had a misfortune and Capital One is the only card that gave me a chance. I now have 2 Capital One cards and an excellent credit rating. I continue to get increases without asking. Go Capital One!!!!

I was very pleased with the availability of this card and how quickly it was approved. I found the process of getting it to be a little tedious. It was approved online, then I had to wait to get a letter through registered mail where I had to go to the post office and provide identification. After that I received the card and again had to wait for the pin to come in the mail. Finally I was able to activate it. Then I had to pay $59/annual fee! I understand the importance of keeping a step ahead of the thieves, but it took a really long time between the approval and the ability to use it! I think the fee is pretty high considering the lack of benefits, but it is a reestablishing credit type card, so I’m grateful for the opportunity.

Excellent customer service. The automated system works well if you general questions answered. Getting in touch with a human is a lot less difficult than other cards. Very knowledgeable and accommodating.

Great customer service: representatives are always friendly. The perks are always among the best. I also appreciate the user-friendly website.

We have been using the Capital One card for a few years now. WE ABSOLUTELY love it! We use our rewards money to pay for vacations! And we recommend it to anyone!

It's been our credit card since we acquired a credit card. Easy to call the head office if we want to ask about something. Reliable and dependable in using anywhere we are. If we need help they are always ready to attend into it. This will be our credit card always and forever.

Capital One seemed to be a good option to rebuild credit. However they always start you with a very low credit limit and the fees lower that even more. When it’s time to increase credit limits other companies are more generous with that increase and provide options many times over the year to increase. I don’t mind capital one as a company and their app is good quality but I feel they are very stingy with credit increases. Even when pre approval of other loans in their company. Been with them over a year and have a measly 500 limit while my other cards are well over 1k each.

Capital One has great customer service as well as numerous account options. When an incorrect charge is made, the last thing you want is pushback. I’ve never had an issue with having a charge removed. I love the 1.5% cash back on every purchase and the app is very user friendly.

This has been a good credit card for years. Rewards have been consistent and when I needed to change their rewards card from travel to cash there was absolutely no pushback. However there was a fraudulent charge and they notified me and got me a replacement card quickly. However, shortly thereafter I tried to charge a large purchase and not only was it denied but all of my charges ended up getting denied, the card restricted until they did their investigation. Had to switch all of my recurring charges to a different credit company. What a pain in the butt. The only problem I ever had with them..

I have been a Capital One credit card customer for more than 8 years. I used the credit card 3 or four years ago and tried to pay off the balance for many years. Since I lost my job a few times and was unemployed for 6 to 7 month for the past 6 years, I am only able to make minimum monthly payments. However, they increased the interest rate for 22.5% and 65% if my payment is going for monthly interest and just 36% goes into principal. I called a few times to talk to a representative, but the automated system put me on hold for a long time. Since I have to get back to my work, I was forced to hang up.

Bought custom rims and they did not ship me the correct rims I ordered so I disputed the purchase. I gave Capital One more than enough evidence to prove my dispute. They sent me a letter saying I did not give them a document from another wheel dealer telling what the original merchant did wrong so they closed the case with no warning. When I called them they admitted I gave them a lot of evidence but no letter from another merchant. They would not allow me to reopen that case or open a new case. THEY WILL NOT BACK YOU UP IF YOU HAVE A DISPUTE!!!!

I earn miles for every dollar I spend and use it to fly my children to Florida. Anytime I have a problem on my credit card they take care of that right away. If I get a charge that is questionable they will always call the merchant and credit my account if necessary.

Capital One gave me my first credit card. My card has rewards every time I use it. They allow me to go over the limit when needed without any penalties.

Got their big cash bonus if spend over few thousand dollars. Plus Nice percentage in returns. Very satisfy program for maximum credit in return.

I am a senior citizen and had relocated to another state. I needed to replace some furniture items. Funds were a little scarce so I applied for a Capital One credit card. Thankfully my application was approved. Thank you Capital One.

Capital One is a great card with 1.5% cash back. Using your cash back to reduce card balance is fast & easy, Their website is easy to use, payments post quickly, I would definitely recommend Capital One.

Capital One have a low minimum payment. The interest rate is not good but if you pay more on the card it shouldn’t really affect you. And paying an amount each time raise your credit score but if you pay it off completely your credit score go up even more. Great card to work with.

This card has a great point system. I use the points for traveling. It's so easy. All you have to do is make a qualifying purchase using the card and then apply to use the points.

I have had this card for many years and this is by far the worst one I’ve had. Customer service is at the bottom of the list. They are not customer friendly.

My experience with Capital One has been exceptional. They have been by my side for many years. I would highly recommend them to anyone, especially if they are trying to establish a line of credit.

Capital One makes it easy to use their card and for some reason, I never have problems with their chip like I have with my other cards.

I use the Quicksilver one and I get 1.5% cash back on ALL my purchases - so no having to remember different promotional periods. Since I get cash back on all purchases, I get cash back on things I pay for routinely such as regular bills. I use this card over my debit card so that I can get the most cash back possible on my every purchases. It's nice because I use this as my extra savings and use my cash back to apply towards my holiday shopping at the end of the year since there are no limits to what I can earn! In addition, the no annual fee and no foreign transaction fee is a bonus.

Have been an excellent customer for 22 years with no late or missed payments, and FICO scores in the 800's. Was rewarded for this by getting my credit limit slashed drastically! Talk about being blind-sided. Will take my purchases elsewhere now.

It’s always a great issue to get your “rewards“ redeem, specially when you request a check mail to you. Today I spoke to between 5 and 6 people and NO ONE was able to complete my request. OUTRAGEOUS. I starting to think that they won’t make it easier but harder.! Why.? Because Capital One is being pushy about using My rewards to buy in Amazon and others companies that “supposedly“ match lower prices and all the BLA BLA BLA ** that I won’t do. Why offers something...that doesn’t wants to give away.!!!

If you are trying in any way to build your credit or make your credit score go up this is not the company for you. One main issue is with all their technology all of their online shopping tools, Twitter, Facebook, Instagram etc... all that stuff but there is no secure messaging? There is no email for existing customers? REALLY? I thought only the most crooked operated that way.

Very disappointed in their high interest (22%) but mostly my frustration is from them charging me interest AFTER I paid my balance off. I was very surprised to receive an email stating that I had a payment due when I knew that the previous month I had paid the entire balance off. When I looked at my transactions, I had paid my entire balance off on 9/3 and on 9/16 Capital One charged me $71.15 of interest on an account with a $0 balance. Calling them was a waste as they refused to waive the fee. I just hope that this will not happen next month too.

I tried to deposit a check using their on line tools. My deposit was rejected because it is from the same payor and same amount as a previous check. The new check is dated past the date of the other deposit, and has a different check number. Capital One advised me to either mail the check into deposit, or open an account with a local bank and have the money transferred. What is the point in using Capital One if I need another local institution to cover for Capital One’s inefficiencies? I might as well simply use a local bank and skip the hassle. Get it together Capital One. It is not uncommon to have like checks from month to month. To make matters worse, calling for assistance and being told I should have a local banking option shows Capital One is aware, but doesn’t care enough to have a solution for their customers.

Updated on 11/06/2020: Let me rephrase my previous review from disappointed to disgusted with Capital One's level of support and understanding during the COVID-19 Crisis! Coronavirus has affected everyone differently and at different times. Like I previously mentioned my credit card has always been in good standing until recently when I fell behind a couple of months ago. I missed one payment (a payment was made, but not the full min payment) and my second payment was late while I waited my for EI Claim to be processed. Payment arrangements were made and I am now caught up and back on track...so I thought, only to find out Capital One has raised my Interest Rate in the midst of a pandemic. How terrible! It shows Capital One truly doesn't care about its customers.

I've had a Capital One card for 3 years and haven't had any problems with them hardly until Covid hit. I thought they were helping me out but because they don't accept payments on Sundays which is ludicrous. My payment was made on time but was pushed to the next day and a past due fee was assessed. You all need to be ashamed for charging hardworking and dedicated people who pay their bills on time although we might not have it. After I pay this card off. I will be closing my account. I'm very disappointed. I spoke to 2 managers and they were no help and the manager today stated I will never be refunded that past due fee although I've been on the Covid repayment plan since March 2020.

I just paid off my credit card balance for $ 5274.90 on the computer, and Capital One hit me for interest with a bill after the fact about a week later in the mail. I called the customer service # and got Yolanda, I.D. #**, at the Richmond, Virginia call center. She was anything but helpful when I asked to have the interest of $ 40.54 removed since I just paid the bill. She indicated that I should of viewed the bill online before I paid. I explained that I did. This company does not look out for the people, just for itself. One of the job requirements must be to always say no to the customer. Whatever happened to customer service. If somebody higher than the service ctr reads this please feel free to contact myself, but I will not hold my breath....

Imo Capital 1 provides provisional credits to placate customers. They have no intention of contacting the merchant or any follow up. I was a customer for years. The interest was high and they wouldn’t reduce it similarly to other cards for more than 12 months. I had to complain to several authorities in reference to a cc payment linked to a bill. I received my money with zero assistance. At any rate my credit has greatly improved and I have options. Use this card to build credit. Pay the bill as soon as they post to your account. Other than that don’t apply.

$30,000 was my credit limit. They dropped it to $10,000 saying it wasn't used enough. Blackmail? I said this lowers my FICO score. They said it would not. It did. By the way every month I paid my balance in full.

I paid my balance in full 11 days before my bill was due. Then they charged me interest on a 0 balance. I called thinking that this was wrong to do to a customer. I opened my email thinking this was to tell me it was paid in full to find out I'm charged interest because I didn't pay my balance in full the month before also. If I hadn't opened that statement I would not have known the bogus interest charge and they would have charged me a late fee and reported to the credit bureau. The first lady I talked to acted like my being a loyal 18 year customer did not mean a thing. They were willing to lose a customer over $7.42! So I asked to talk to a manager and after being on hold for 20 min, I received the same treatment from her. Neither one blinked an eye when I said I would close my account.

Capital One are thieves, I never in my life had to deal with a company that will take your money and say it's your fault, and then try and give you not even 1/4 of the money back for their screw up!!!! I will never go back to them... I closed my account... I'm done... Thieves!!!!

I have had a Capital One Spark Business acct for many years. I always paid on time and never exceeded the limit. Now in the middle of this Corona virus pandemic, out of the blue they reduced my credit limit in 75%. They have no reason to offer and say that I cannot request an increase for 6 months. Now I've got to go elsewhere. If you have good credit, don't waste your time with this company.

I've had my Capital One card for over 10 years. Filed a dispute on a rip-off artist that disappeared, said the job was done, but turns out it wasn't even close. I could not verify because I am 600 miles away. Filed a dispute, thinking I had protection. On hold right now, and my dispute has been closed twice already, saying it's valid. The company web site has disappeared, their phone number is disconnected, and they won't respond to e-mails, yet Capital One has yet again told me to "contact the merchant and work directly with them." I made it very clear in the last round that I have been defrauded, and this merchant has disappeared. I am sick to my stomach. I would have said 6 months ago I was a satisfied customer. It just takes a situation like this to understand they are not really standing behind their customers.

They offer to open an online account and get $100 after spend $300. I opened an account, submit my docs, transfer the balance and they froze my account. Since it doesn’t have any branch in Florida, I can’t get the money back. Capital One stole my $300.

I reported a fraudulent transaction on 7/31/2020. Then on 8/01/2020 Capital One Bank approves another transaction to same party and if that isn’t enough, they approve another transaction on 8/04/2020. The first transaction should have been detected by financial fraud detection software and there is no excuse for the approving the subsequent transactions. Capital One refuses to overturn the fraudulent transactions without explanation.

Yesterday I paid my credit card bill so I can have funds available today. It was just four hundred so when I learned they put a hold on my funds. They was never able to explain why they was doing that.

I had a dispute with a merchant, where an unauthorized family member used my credit card. Capital One admitted to giving me incorrect information and did NOTHING to assist in my dispute for $3000. THey gave me the run-around, delayed, and then said I should have filed a different type of dispute, but because I filed one kind, I could not file another. Legitimately awful.

We have been with Capital One for 15+ years using checking, savings and 2 credit cards. Recently we wanted to purchase hearing aids for my wife's father at Sam's. The cost was nearly 5k. The charge was flagged for fraud! While in line after the first attempt, we called Capital One and the representative had us try 3 more times with the same card while they were on the phone with us. It failed each time. Capital One then informed us that because we tried 3 or more times that the flag could take 1-2 weeks to get removed. So I tried my other card and it was flagged. I had to call Capital One again and while on the phone, I had them fix the issue.

The executive offices have to be the worst hands down with customer service. They will respond to a complaint but not give their information so you can’t reply. They refused to admit when they mess up!

Anyone considering getting a card from Capital One, consider other alternatives. The CEO doesn't respond to emails, and they put 9 day holds on your available credit after a payment is made. Go with Discover or Chase. Those creditors make business decisions that make business sense. Capital One...DOES NOT. Richard Fairbank is the current CEO and he clearly has zero initiative focusing on Consumer Experience. Their board of directors should really just vote to force him out because he doesn't care about Consumers.

My credit score on all 3 credit bureaus are above 750+ with years of on time payments (Mortgage, credit cards, Food Truck Finance, Wyndham Time Share), making plenty $ a year and was not approved cause what, The COMPUTER system said so. Then I call to ask why I was not approved and nobody knows why???? It a joke. That credit card should be the easiest to get knowing everyone in the world shops at Wal-Mart. It's was a waste of time and a inquiry on my credit???? I will never in my life time apply or deal with Capital One again.

I had been with Capital One for years before the 360 checking... I requested a new debit card be sent to me because my son was taking advantage and being careless with his Playstation account so I called and they wanted me to dispute it. I didn't want to do that. Just give me a new card. Well I requested a new card a few times then finally went to visit my local bank to see if there was a mistake. They said since I opened an account before they started making changes and did not have a 360 checking account that they could not issue me a new card and that I had to call again the same number and speak to someone there.

During the pandemic we haven't done much at all. 2 vacations canceled. Meanwhile Capital One cuts my credit line 33%. Are they serious. Doesn't this show they don't give a damn about people. Serious advice: STAY AWAY FROM Capital One!

There was an article in Forbes that Capital One understands that there are complications with the pandemic and sabotaged postal service so they're giving customers some leeway, but that's not true. After paying my bills on time for 20 yrs, I've been penalized for not paying a bill I never received. The postal service claims they delivered it, but it wasn't delivered to me. I've paid on time for 20 yrs and I'm penalized for something I can't control. Capital One lied. They're not helping anyone. They're using a national disaster and failing postal service to get more money from their customers, even ones like me who have paid bills on time for 20 yrs. Aren't they rich enough already without screwing their customers in a time of crises.

My available credit was cut from $9000 to $2000 overnight with NO WARNING! The reason? I wasn't using enough of my credit (My card offers no incentives at all and has a high APR so it is not my go to). So good financial behavior is only punished with this company. I have a $400 balance on this card which means that my credit usage went from .04% to 20%! This will impact my credit score significantly...because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit. And they do this to people, with absolutely no warning, in times of a PANDEMIC when many people are living paycheck to paycheck if they have an income at all. Capital One, you are a terrible company that has no regard or compassion for your customers. Shame on you! You will never make another penny off of me. You lost a long standing customer today and with this type of behavior, you're only bound to lose many many more.

We have 2 company credit cards with Capital One and pay in full every month. I scheduled my payment a week in advance and clicked on the calendar provided by Capital One for the due date. Apparently the due date was 2 days off and now we are being charged a big interest amount. I asked for the interest to be waived as this is a system error with Capital One and they will not waive interest. They can clearly see I pay the balance in full every month. I will be taking our credit card business to Citi bank who also has cash back rewards.

Capital One is a horrible company. We have perfect credit and a perfect payment history with Capital One (and well, everyone else as well). They will lower your credit limit for low usage and then when you call to see what can be done to raise it again, they will tell you absolutely nothing. That is, there is no path of usage that will get the limit reinstated as far as the supervisors can tell. There is nothing they will tell you that you can actually do to get your card limit raised because it is a secret. Furthermore, the customer service supervisors are rude, unhelpful, and clearly do not care whether you are retained as a customer or not. You should use absolutely ANY other credit card company on the planet besides Capital One. They are about as bad as a company possibly can be.

I have had an account with Capitol One for 13 years. Today, I received an email stating they were lowering my available credit limit by almost half. I telephoned customer service and was told it was lowered due to recent lack of activity. I informed her that because of the pandemic literally no one was traveling or making large purchases right now. I informed her that I had a vacation planned next month and I needed the previous limit restored. I was told that nothing could be done. That I would have to apply for an increase in 6 months. Which would certainly cause my credit score to be lowered. Typical corporation/big bank. You spend loads of money with them and never late on a payment and you're treated like this. I'll be switching credit card companies and closing both accounts with capitol one. I would not recommend this company to anyone.

I applied for and received a Cap One Quick Silver card for foreign travel for years ago, since it doesn’t charge foreign transaction fees. I have used it only occasionally in the last couple years, but had planned to keep it for upcoming foreign travel or as needed. I’ve never had a late or missed payment, and my credit score varies between excellent and very good. Whereas other banks have increased my limit over time and offered incentives for me to keep using their card, Cap One has decided to reduce my limit out of the blue for no reason besides my reduced use the past year or two. The The decrease in limit will affect my credit score, and with a new 5k limit total, it’s a waste to even hold on to this card at all. If any of my other cards waive foreign transaction fees, I plan to close this account out.

Can you imagine that I've been with Capital One for 14 years. Not once missed a payment and ALWAYS paid my bills on time. My credit score is 800+. Yesterday I received an email from Capital One stating since I haven't used my card at a high balance, they have made an irreversible decision to lower my limit from 30,000$ to 5,000$. I promptly called customer service to say why would they make such a decision without notifying me that they needed me to spend more money for a higher balance or my credit would be reduced. ZERO professionalism nor loyalty since this 25,000$ credit reduction directly impacts my perfect credit score. I am livid! I canceled my 14 year relationship with Capital One and will NEVER use them again!

I had two credit cards and every time I called regarding a problem they would either hang up on me or just put me on hold for at least 20-30 min then hang up. I have been treated like this by any bank before. I closed one of my account and keeping the other and the only reason for it is because it's the oldest credit line I have. I would not recommend this company to anybody. You are better off with Amex, Chase and others. Stay away from Capital One.

Hi. Capital One is a scam company. They are rude, unprofessional and fraud. The only reason I am with this company is because they are affiliated with Costco. They disconnect the calls, rude to clients, put your clients in restriction without your information. They are fraud. Please do not open an account with them. Stay Away.

Their customer service is basically non existent. There is nobody to talk to that is interested in solving your problem. Everything is automated. If you're not happy with something, tough luck. I had three cards with them before I got fed up with their lack of interest and respect on treating a customer.

Capital One cashed a check that was not paid to them! I wrote a check to myself using online banking; for some reason, the check went to a PO that belongs to Capital one. The check was under my name, not Capital One's name. After investigating the address, and see the endorsement on the check, called Capital One, after being 3 hours on the phone, they found the check floating on their system. So far, they have not returned the money. Big burglars! I bet you, if any of us do that, we will be charged in the court of law.

I have been with Capital One for decades. My local bank has always provided me with good service. The tellers and the bankers at the desks have almost always been very helpful. I have never had any problems with unfair fees, and on the very rare occasions that there have been mistakes by the bank, they have always been corrected, and usually immediately.

I had applied for a Capital One secured credit card on or about 7/1/2020 that in which required a opening security deposit of a minimum of $99 in which I paid $100. So Capital One gave me a $200 credit limit for my $100 opening deposit. I had made two separate purchases for fuel totaling approximately $50 that I had paid the following week to bring my owed balance to $0.

My boyfriend got me a new phone for my birthday and long story short I can't use my account for 4 to 6 weeks to verify my number even though it's already associated with the account since my name isn't on the plan which has never been a problem before or I can just shut down the account. Don't bother with the institution. They don't care about customer service.

I will start by saying I do have a Capital One card currently. The issue I just experienced was a bit annoying. I was sent a prequalified offer for a second card. I’m new to credit cards and didn’t understand why they sent me another offer because I already have a credit card through them. I did some reading and apparently you can have two cards through Capital One. I thought it would be good to accept it because I’ve been carefully working on building up my credit score and a second card would lower my credit utilization. Anyway, I decided to go to the site to accept the offer and was declined. My credit health is a lot higher than it was when I got my first card from them. I don’t see how it was denied, but it was and now I have a hard inquiry on my credit report for nothing, which is upsetting to me. Be wary of accepting a second card offer from them.

Capital One has the best interest rates on savings accounts. Their website & app are very easy to use. All of my banking can be done from home, including opening new accounts & making new investments.

After 21 tears as a flawless customer, today arrives an e-mail telling me they have arbitrarily cut my credit line by 75%. When I called to complain and seek a restoration, they said they could do nothing, refused to connect me to a manager and could not even process a final payment to bring the account to a zero balance. Don't even try to connect with their corporate office because they don't want to deal with customers at a non-existent executive complaint function. Fortunately I have other credit cards that don't treat customers as though they are an inconvenience rather than a necessity to staying in business. I have closed the account altogether and will certainly discourage colleagues and friends from ever doing business with Capital One.

In these times, a bank that is specialized with communicating a lot with their customers online is a bonus. Their credit cards have a nice bonus percentages. In some big cities they have an office combined with a coffee shop...lovely.

Always resolved false charges to my accounts rapidly and temporarily put the funds in account within 2 days while in resolution. Always permanently resolved in 1-3 months. Replaced my cards in days after suspicious activity. Increased my daily funds if I needed extra cash from an ATM to an amount that I needed.

Capital One bank offers several offline and strictly-online accounts, some with zero fees. Online transfers between accounts and banks are easy. Customer service is good, but on their site they offer no way to contact them by email! One has to call them. In this day and age of coronavirus, that is absurd. Also their site can be slow as molasses sometimes, which usually translates into "We haven't paid any attention to our servers in a few years".

Today was the second time in the last few months my credit card was turned off by Capital One for no good reason. I found out that this time it was turned off was because whenever you update your personal info, the card is flagged and it is shut off until you take a photo of your ID and email it to them for a 7 to 10 day review. This makes the card useless to me since I can't rely on the card to be active when I need it the most. As much as I explained this to the Customer Service Department, they could care less, defaulting to reading company regulations. I now use my Navy Federal Visa exclusively and didn't bother reactivating my Capital One Master Card.

I appreciate Capital One for acknowledging me as a person and not just one of million of card holders. You know how it is when family can base your character on your past. I had a horrible year 2019, car accident, therapy, etc. so I had a difficult time keeping up with my payments, two out of 3 cards were restricted, including my precious biz card that I worked so hard for. I've had these accounts for approx 5 years or more in good standing prior to 2019. Different than a couple of my other card companies with the same history, same faithfulness, they didn't care, immediately sent my accounts to collections. My good score plummeted over 140 points to 540. Capital One did not leave me high and dry. I called in and the CSR told me my accounts were restricted. I had no idea what that meant, but after talking more with her, it was over, a done deal with the credit.

I have had a Capital One card for several years. There are no annual fees, it earns at least 1-3 percent cash back on most purchases, doubles the warranty on several items for up to another year, and includes travel insurance when purchasing airfare.

HIGH INTEREST RATE 19.5% with 710 c r. CUSTOMER SERVICE Can’t understand!!! No benefit to this credit card or ANY!! OK. CONSTANTLY PLAYING GAMES with weekly c r!! Very skeptical about method of applying finance charge.

Most recently used my card for vacation a few years ago. Booked my hotel, airlines, auto, and meals and entertainment on this card. NEVER had a problem! Would highly recommend Capital One. Increased my limit in less than two years!

I have been a consumer of Capital One for years now. The thing I don’t like about them is their security is too good - I can’t even access my own account at times. I have been denied for purchases on many occasions.

I like the company always take care of my problem. Gave me a credit increase from paying my bill on time. Also very nice customer service and professional. I would recommend to all my family and friends and anyone else who would hear me.

In order to avoid a late fee on my card, I called Capital One customer support line to make a payment using their "check by phone" option with a CSS. The young man took my information including my bank account number and a check number. I authorized the minimum payment due and hung up. The next day I started to get pings on my phone about checks that were bouncing out of that same account. Puzzled, I checked my balance - it was ZERO! The CSS took it upon himself to make another payment using their "check by phone" option and drained my checking account that should have had over $500 in it! I immediately went to my bank and they froze my account to investigate the check fraud this person committed.

Well, I'm a Capital One credit card holder since 2007 'til present. Love the unlimited rewards I have, I will also like more option for stores to redeem the point. Is not much to choose from, add more stores to have more options to redeem the points. Thank you.

I have been with Capital One for 19 Years. I have been very satisfied with their service and rewards program. I would recommend them to anyone looking for a great card company and flexible reward program.

I had applied for a 0% Transfer Fee from another Credit-Card debt elsewhere, while immediately accepting that while including a 1yr 0% interest including 12 following months. But their advertisement was clearly FALSE, while including that Transfer Fee and only including 0% entirely for only 6 months while still never caring about their False advertisement!

I have had my Capital One card for a few years now and they have responded whenever I have an issue in very positive ways. I appreciate their service and getting on the phone with them is very easy.

Capital One is very good at notifying me of charges above the amount I designated and they've also been helpful when a charge appears that I don't recognize. Staff is friendly and every issue I've had has been resolved to my satisfaction. As far as fees, I pay off whatever I've charged every billing cycle, so I don't have fees. I use my rewards miles to credit my account and that's always a nice bonus. Overall, a good credit card.

I have been using this card for quite a while and have had no problems. I like that they give dollar value for points when using any airline. I do not have any charge for this card. I would recommend it.

I had an experience where my card was stolen and a representative reached out to verify my purchases and it was at that point I realize I didn’t had my card. She was very helpful in assisting me with addressing the issue.

With this Covid-19 pandemic many of us have found our economic circumstances to become at least problematic. I have had to communicate with Capital One about it. They have been gracious, supportive while remaining professional. I appreciate that.

Always helpful when I have a question. Fairly easy to get through. Not sent to an overseas operator. I got my card through my union and it has good perks. Willing to work with me on several situations.

After I stopped adding or withdrawing funds in my savings account they took my money without warning. They sent me 22 documents (18 statements, 3 letters saying it was closed and a closure statement) but didn't warn me of closure "because it's not legally required".

Capital one has ease of app to complete all transactions and includes credit score monitoring which is a big plus in the times we live in today! Also offers cashback on purchases and low-interest rates! I would highly recommend this card for anyone.

I interact with the online access, it is very easy to use and informative, everything that one could need from customer service is available a click away within the website. They have an excellent customer protection from fraudulent charges on the account, rapid and efficient response.

I’ve been having Capital One since I started working and I’ve always wanted to build my credit and I did it with them and they are very understanding about everything and I would definitely recommend and if I had loan I would love it also.

I have three Capital One credit cards -- a MasterCard, a Visa (used as a backup when I travel) and a second MasterCard. I got the second MC because it gives higher rewards for grocery and restaurant purchases. Occasionally, I have had problems, such as fraudulent charges. Calls to Capital One have solved them immediately. Their customer service reps are knowledgeable and extremely courteous.

It has been in the news that credit cards are offering assistance when it comes to being impacted by corona virus problems. It would be nice if they would waive the fees during this period of crises, but they are not willing to do so. Some other cards are doing this. It makes me not want to deal with Capital One anymore.

Used the card for many years, generally positive experience. Not really sure if I'll continue to use Capital, might be looking for a change. Like that I can use my rewards when shopping at Amazon. All in all, it has been a mostly positive experience.

Capital One is not a very good company for customers. They aren't willing to work with you if you have issues with your bill. The annual fee is much too high for the level of service provided. I wouldn't recommend it to anyone.

I think a person who has a bad attitude is reviewing these auto loans. I have a Capital One Credit card in good standing. I have been a customer for two years and have never been late. My credit score is 620 and I wanted to apply to get a used car. Nothing expensive or anything. I have lived at the same address for 8 years. I have several credit cards that are in good standing and I was turned down. The reason they gave was too many inquiries and not enough credit history.?? Three years is not enough? And I have a vendor that is coming off due to I was a victim of fraud. I believe if you already have a credit card in good standing they should at least give their customers a call and go over why you're being turned down and let the customer give an explanation if possible. Just don't stamp in big letters DENIED.

I have been a client of Capital One for years. Their business model is impeccable. The card is recognized wherever I go be it local, national, or international. The fraud department is quick to resolve any issues I might encounter when using this card. Also I get text message alerts if something doesn't look right on a purchase I made. Use the rewards program every year for my trips which helps greatly as I am a Senior Citizen. Throw away your other cards and Get Capital One.

We are very happy with this card. We pay our balance before due, and never have interest charges. We don't use ATMs. We have no fees. We get cashback on every purchase. If problems arise, they are settled ASAP, even if we made the mistake.

I initially got this credit card because it offered an 18 month interest-free promotion. My grandson needed to get laser eye surgery for a job he applied for at that time last year, and the service provider required a cash payment of $4,000.00. The card was the perfect solution for him to have the surgery. My grandson got the job after he had the successful surgery! I also chose this card because I frequently travel abroad. The card does not charge international transaction fees for purchases made out of the United States. The card also offers 1.5% cashback on purchases. It's the perfect card for me.

Capital One has the best overall value for a credit card. In addition, their customer service is world class. I feel that I’m getting incredible value in comparison with my other credit cards. I’m a happy customer!

This card really helped me rebuild my credit. Getting a credit increase was also very easy. However the 23% APR is maddening forcing me to double up on my monthly payments just to stay current if I use the card too much. That could be a blessing in disguise though. Forcing me to be more responsible.

I have been with Capital One for 15 years, that has to say a lot for that company. They are always quick to solve any issues, always great customer service people, always very up to date with their information.

I reported a 400 dollar mistake to them..The teller put an extra 400 dollars in my checking account...They could not even compensate me for being honest with even a ten dollar gift card...Don't report mistakes to them...They could care less about you.. They have billions of dollars.

They caught fraud within 24 hours, sent me a new credit card within another 24 hours (I was going on vacation and got the card in time!). I pay nothing for the card because no annual fee and I pay off the balance every month...and I have used the awards for free RT tickets to Bangkok, Istanbul, and Casablanca! I have never had a problem they couldn't resolve, quickly and politely, with a live human being who knew what to do. If only all of my providers were so competent.

They are always there when I need them. If it's a lost cards, Bill dispute or if there happens to be a interests fee overcharge, they are there for you. They let you know if a charge has been made. Ask you if you made that charge? If you didn't you can dispute right away?

No fee card. Offered low rate transfer rate a long time ago. No other card offered this to me. I have had a couple of late payments and they did not raise my interest rate which any other bank would jump on it in a heartbeat.

Promotional balances only when opening an account, then you never have a balance transfer promotion, cash back but 39 dollar fee per year, it is not free, Capital One does not offer as discover promotions all year in the transfer of balances or low interest.

I have been with Capital One for over 25 years and have never had an issue with them. Rewards program is great. I get notifications of suspicious transactions. Customer service is excellent. Would highly recommend.

I don't understand lowering your balance without notification? But on the other hand it's not my money. It's borrowed money right! Also the interest rates could be lower. Not all customers who have financial problems deserve the higher interest rates. Are they more likely to pay or less?

Though I like the Capital One Silver card and they have a pretty good balance transfer rate, their rate for the normal APR is absolutely ridiculous. Especially with someone that has almost a new perfect credit score. I will never use as a normal card but will keep for balance transfer and because it would lower my credit score to cancel it.

Capital One provides good credit cards for beginners. Their online management tool is sleek and easy to use. However their rewards are not as great as, say CitiBank or Discover. For that reason, I tend to never use their cards.

In my personal opinion Capital One has been great. They have been very upfront about fees and APR. I have had to speak with customer service and the rep was very helpful. Love the app, it is so functional and very easy to use.

When my card was hacked, they took care of it very quickly, and helped again when a scammer tried to rip me off. The customer service people are really helpful, and personable. I would recommend them to anyone looking for a card that gives back.

For me personally and for my boys!! The best cc to start credit, low APR, pay everywhere, I just simply recommended it.. Really nice and professional cs, They know what they are talking about when I gave a question or call them with an issue. Thx Cap One.

The call to their customer service may start with automation but they’ve quickly answered the call every time I’ve called with an issue or just a question. I’m completely satisfied with Capital One and have recommended them to various friends and relatives.

I am not happy with Capital One because of all the strict requirements that I can’t remember sometimes and then I’m locked out of my own account. Like how am I suppose to remember what day I purchased something on? It’s ridiculous the level of screening. It should optional these questions not mandatory!

I have three Capital One cards, all with rewards, been using them for more than 10 years, and my APR has yet to change, it’s high and remains high, even though my credit score has increased. Otherwise, one of the best cards I’ve ever had.

When I had an emergency situation a few years ago when my wife was dying, Capital One stepped up, when Chase and another card I eventually closed did not. It’s a great company and one with a heart. I have recommended Capital One to both my friends and family.

Love Capital One. Twice somebody hacked and used my card twice online. They closed the account and sent me another card. Customer service is excellent. When I needed a credit card, they accepted me right away.

I booked an Italy in Nov 2019 from Tripmasters before COVID happened and then everything got cancelled b/c of explosive numbers in Italy and now, US's numbers are rising and we are unable to travel to Italy b/c of EU restrictions. Tripmasters refused to give us a refund even though everything was cancelled b/c of COVID and restrictions, something beyond our control. I contacted Capital One to obtain my refund and they gave me a temporary refund for a month and then REBILLED me the 6k without ever contacting me first. The Capital One CUSTOMER SERVICE is NON-EXISTENT. Should have used American Express instead of this cc company. AmEx has helped me in the past with refunds whereas Capital One could care less about its customers. Will likely opt to close the account as their customer service is horrible.

I liked the company before covid19. I was due for an increase from $500 to at least $800 but they only increased it to $100 more. I never missed a payment, always paid more and always kept it down to a 30% usage. I called around and contacted customer service but they seemed to be more confused on why I only got an increase of $100 than I did. Never was resolved!

They are very good at notifying me with suspicious activity. Many companies just lock your card, or make you call. Capital One’s text and email notifications make it easy to approve the purchase on the spot.

Simple, one and a half interest, can be redeemed in cash or applied to bill. Shows current credit rate. Any unusual transactions are questioned and verified either by telephone or text. Robot answering machine is clear and it is easy to talk to a real person.

The pandemic has taken a toll.. Why would these companies charge late fees during this time? It’s shameful that they see oppression as their opportunity to gain. Waive the penalties during this pandemic and have compassion.

I received a letter in the mail today from Capital One saying that they were closing my account and cancelling my credit card due to inactivity. I called them up and asked why they were doing it without warning, since I'd always paid on time. They said there's nothing they can do about it, which is ridiculous. I would have been happy to use the card if they had just given me some warning. Now my credit score is going to be lower because my available credit will drop and my percentage of credit used is going to rise at the same time. To be clear: I never did anything wrong (no late payments or anything like that), just hadn't used my card in a while.

Great customer service, lower interest than most cards and the fraud protection is absolutely amazing. Cardholder is 100% protected from unauthorized charges and going through the process is handled with service that makes you feel protected without judgment.

This is a great credit card with no fee. More this credit card is known for many years. Plus when joining this credit card later you get many solid offers such as increase of credit limit or another card with more benefit such as cash back.

When calling Capital One, I'm always treated with a high level of customer service. Just had a experience where there were $700 dollars worth of charges. The rep cancel the card, clear the charges and my account was credited the funds. My new card arrived in 24 hrs!!

Capital One looks out for me. Every time a charge comes to my account I will get notified. I am easily able to respond if the charge is in error. They were gracious to give me credit and providing me with the tools to take care of it. Which reflects positive on my credit report. Thank you Capital One.

I will be the first to admit that I made some financial mistakes in my 20s. Like sign up for a card with a 25% interest rate with Capital One. Almost a year ago, I signed up for a debt management plan which Capital One agreed to the terms of. My card was closed and I began to make payments through a Debt Management organization. Capital One was receiving payments but still marked my payment late twice. Now I have 2 marks on the credit I am carefully rebuilding.

Capital One has been my Business Visa for over 5 years and I feel their Customer service has my back, the rewards is a nice check every now and then and they do not have any hidden fees that ever surprise me. I pay my suppliers with this card to keep all my records in one place, I do recommend it.

I am torn on getting a credit card from Capital One. I wanted a credit card for emergencies only. I did use it for that. However, they call you everyday. I found that very annoying. They should not hound people for money especially during this time. The coronavirus hurt me financially. I didn't owe them a lot of money. I did not understand why they had to call me everyday. They didn't hesitate to send me statements of what I owed through the mail. They could have sent me suggestions on how to help me. I paid the balance off in full. I am thinking about getting rid of the card altogether.

I have had some medical issues and financial problems due to not working and through it all Capital One has never made me feel inferior. I hope to be back on my feet after foot surgery and make things better with this bank, Customer Service is superior.

I am a retired vet. 75 years old. My credit is not the greatest but Capital One gave me a chance with a $500 loan which came out of a fantastic time because of the corona virus. I was Need of some cash. I have been making my payments faithfully to them. I recommend anybody who needs a loan to try Capital One.

I filed a dispute on 4/21/2020 against a company called Your Mechanic with Capital One card dispute department for $158.77 for installing front brakes on a warped rotor. Capital One kept demanding me to go to another mechanic and my funds of $158.77 will be return back to me. I gave Capital One the inspection report from Pep Boys as requested; it disclosed that my car brakes was making noise and burning smell. Your Mechanic put new front brakes on a warped rotor.

My Capital One card is paid in full, is still active and open, but Capital One has locked me out of my card. I was told I can reapply for a new card, but I can't use my current, active card. That's ridiculous!

Capital One -no fees, 1 1/2 rewards points which can be used for cash or travel. They are very quick to let us know if our card has questionable charges. No longer have to report if we are traveling out of our area.

Excellent customer service -- in American English! I get emails when something suspicious occurs, like double charges on my account. Also, no foreign exchange fees when using the card while traveling. Good rewards program because I'm not tied to a particular travel provider.

They consistently meet my needs. Notifications appear within seconds of a transaction. They have quickly alerted me to the unauthorized use of my card. They have followed up on any dispute I have had.

I was trying to have access to my online banking because I was locked out my account so I contacted Capital One's customer service to regain access to my account; I was put on hold for more than an hour and then spoke to a representative who could not fix the issue so transfer me to her supervisor whose name was Joshwa. Mr. Joshwa provided me with the worst customer service I ever had in my life, he was rude and not helpful at all and told me I have to wait 10 business days to just have access to my online access even though I was willing to provide them with any form of verification they asked for and even offer to stop by one of their branches, but still the answer was NO.

I wish I could give this bank negative/ZERO stars!!!! I hate it so much!!! I do not know how they keep preaching the same BS of helping people during this pandemic when in reality they are NOT!!! They tell people "oh sure, not a problem we can deferred your credit card payment until next month." What they DO NOT tell the consumer is that your interests are still accruing during that "grace" period and guess what? When the time to pay your cc comes around they charge interest for the entire balance. What kind of ** help is that?

Updated on 07/29/2020: I/we have never been late 4 years, always paid above and beyond balance, several times. Capital One Refused to work With me. Capital One report to all my credit bureaus that I was delinquent April/May/June/July.

Had previously disputed late payments and the fact that one of my accounts has not been inserted or reporting to all 3 credit bureaus for MONTHS now I have called numerous times and made several complaints a representative from Capital One's executive office contacted me back in May and I have never heard from her again. I called customer service today and asked Justin ID: ** to transfer me over to a manager and was told it was impossible for me to speak to one. I also asked him to transfer me over to the executive office and was told that was impossible as well. How is it possible that in these tough economic and overall difficult situation we are all facing it is impossible to get any type of help from an institution I've had a relationship for over 10 years.

Our business shut down by state due to coronavirus mandate. Capital One continued to charge late fees and only took requests for payment deferrals if you called in during a specific timeframe. Nationally and statewide millions of people had lost their jobs, forced to close their businesses, and many people without paycheck or never receiving unemployment. Not to mention tens of thousands of people hospitalized, ill or dead. The behavior and policy of Capital One during this crisis is reprehensible and cruel. Loan sharking at this best.

Do keep in mind to those using Capital One Credit Card under Bergdorf Goodman department store, these shady you know what will close your account. Got a letter from Capital One talking about the account closed due to not fraud but a security risk and I am not using my credit card enough! Mind you I am still required to pay off my balance! Real shady and they interest fees is through the roof! Even when I do pay much more than the minimum balance! So after telling off these reps they still talking about well you can reapply! Hoe please! I will pay off my card call them back get my letter and cut ties once and for all with Capital one.

Capital One has without notice changed their interest rules. They are now charging interest on brand new purchases, where in the past they charged Interest on past 30 days charges. So in order to avoid interest, you have to pay off the whole card by the due date. Better cards out there.

I Used Capital One credit cards for many years running fairly high balances and paying a lot in interest. 35,000 to 40,000 out at one time. Capital One began restricting my card accounts and locking them down for only one reason I can figure. I am a state licensed ** grower paying very high taxes to both state and federal governments. If you are a ** producer, retailer, consumer or medical ** user or just believe in fair business practices I encourage you to boycott Capital One and all of its affiliates. I paid my bills on time and they discriminated against me for no reason other than how I make a legal living. If that is not the reason then they should of gave me a reason. They are complete spineless pieces of garbage for treating a loyal paying customer like that. I run a business also and if I treated my customers like that I would be ashamed of myself and out of business.

I've had an okay experience with my card up until this point. My husband and I having been working hard to pay off our debt and of course like so many others it has been super hard during COVID-19. But yeah, we did it and paid over $4K in June to pay off our card. Well just like all cards, the interest accrued during the time from the previous bill until we paid the card off have to be paid which is totally valid and I'm not disputed those charges. I called to see if they could waive the interest charges of $67 which is a drop in the bucket compared to the $4K I just paid in June and since I've been such a great card holder.

I have had a Capital One credit card for over 10 years. My credit score is over 800 on all credit all three credit reporting agencies. I have almost zero debt. I requested Capital One increase my credit from $12,500 to $15,000. The following is Capital One reason for not increasing my credit. - Your financial obligations reported to us by the credit reporting agency are too high. - But all three credit reporting agency show me using less than $50 in credit. Blank Capital One! I will stop using my card.

Capital One just send a standard e-mail that they don't have enough information for a scamming provider. As per my conversation with the Capital One representative today, I’m providing a brief summary of the process I have experience as it relates to my request for a REFUND from Viagogo. I purchased tickets from Viagogo for the Penn Relays on January 24, 2020. Order Confirmation # Cost: ** $131.00, ** $108.00, ** $208.00

I was lucky enough to call in to Capital One for assistance with questions and concerns regarding my pre-approval and I had the pleasure of working with a rep named Hema **. This representative went above and beyond to make sure that all of my questions were answered and that I was well taken care of. What could have been an extremely stressful process was made so easy and seamless that it truly made myself and my husband feel like we were being specially cared for. Not only did she do her job beyond expectations but she actually took interest in me, as a person, and she paid attention to our conversation as if I was a part of her family.

I ordered clothing from an online retailer. I received just 5 of the 8 items I ordered & paid for. What I did receive, 30 days after ordering, was of poor quality. I reached out to the company three times to return the product. They never responded. I finally disputed the charge with Capital One. After 90 days of filing my dispute, fulfilling multiple requests for random support about the transaction and HOURS on the phone they closed my case because the "timeframe expired".

Since January I've had to pay and get reimbursed for fraudulent charges on my credit card. I was mailed new cards on two separate occasions to "end the problem." Aggravated, I never activated the second card. May 2020 I got a notice, I owed $14. I called the automated line to make a payment and to get reimbursed (again) but couldn't get through "due to Covid-19." I paid online. Last Saturday (June 2020) I get a notification that I'm nearing the payment danger zone.

I am an expat and as such use Capital One online banking. I wanted to start using their mobile app, but could not activate it because it does not accept a foreign phone number. I called them using their international, supposedly, call collect number and after being bounced around to 4 different representatives, it turned out that Capital One does not support foreign addresses or phones. To add insult to injury, I received a hefty phone bill from my phone company for the supposedly free call.

The first month of having a Capital One Walmart rewards card. After about 3 weeks I pd balance online. They said received payment then 4 days later said didnt receive payment then my credit score dropped 5 pts. Mailed in payment. Account showed received. Went to use card didnt work called them. They said since they didnt know my early payment didnt work they would put hold on my account for 8 days. Asked talk to supervisor they more or less said tough luck charley. I called customer care on another capital one card ive had for years told them trouble I had asked them how a company that had customer for years never late on a payment could be treated this way again told more less tough luck charley. Cancelled both cards. Stay away from capital one.

Capital One canceled my cc for no reason, I was never ever late and used the card but the last 12 months I was paying off other cards and didn’t use the card. I am not happy at all because it damaged my credit limits and score. They should notify consumers before they close an account.

I’ve had 2 credit cards paid off one $300. Dig this, they knew I was trying to pay it off and hurried up and charged me an early annual fee when it wasn’t even time. This other credit card I’ve got for $750. Boy oh boy the interest is so high that when I make the minimum payment it takes half right away. I’m in a merry-go-round. I feel like I’m a slave to them. I’ve even cut it and never use it. For several years the balance just stays the same. I can’t afford a higher payment to hurry up and pay it off. So I will pay it completely off next years income tax because this is a joke and it’s as if they're the crooks. It doesn’t make any sense. I don’t use it and haven’t but I’m constantly stuck paying this high interest and extra fees. So be very careful with these spying rip-off Capital One Credit card crooks!