Below are my issues with CapitalOne: 1. They would not increase my limit even though my credit score was exceptional and I just received a $20,000 credit limit through my bank and instant approval for a car loan with a low-interest rate. 2. Their automated system 100% sucks. If it can't route you, it disconnects you. Not customer-focused at all. 3. After paying off my card a few days before, I tried to delete my CapitalOne Profile. I couldn't. I had to call customer service. Once again, getting through the automated system was a nightmare and took about 15 minutes. When I finally talked to a customer service rep she said she didn't think it was possible to delete the profile but will connect me to their digital department... I had to go through some kind of verification and then the person finally deleted my profile. CapitalOne, develop your business around providing the best and most convenient customer service process possible. What you have in place is inconvenient for your customers and causes frustration. Every customer should be in control of their account and whether or not they can close/delete their accounts. I will not do business with this company again.

THis is a stupid bank, I only receive from them some spam mail to my address! never want to be their clients. Inconvenient, bad deals, rude employes

I tried to use my capitol one credit card only to find out they had shut it down without notice. I was never late on any payment and charges thousands of dollars per month. The customer service team was very rude and did not help at all. I also have excellent credit!!!!!

I highly recommend against going with Capitol One. I signed up with the REI card, and I have found that they have really awful customer service, long phone waits, no way to send a secure message to try to resolve issues, and your purchases are not protected even though they say you can dispute a charge if there is a problem with your purchase. Definitely not going to ever work with Capitol One again.

Along with their unprofessional customer service, this bank has proven to be a disaster for me. I have been a customer for 21 years, and it's surprising to see how heartless it has become recently. I entrusted them as my pension provider so that they could manage my finances and give me something to fall back on in my golden years. However, they have been mismanaging my pension funds by consistently charging my account with fees, even though I have not made any transactions with the account. Despite reaching out to their customer support multiple times, I have not received any useful response from them. They take a lot of time to reply, which is a major concern. I cannot continue trusting this platform with my pension, so I moved my portfolio to AsllC. They have been transparent and opened in their obligations since I began entrusting them with my money and have not been shady with my pension.

Delayed posting of overlapping transactions with payments. This is theft and I finally caught them red-handed after watching for it for a long time (Over 10 years). This is not just simply lag time (4 days to post) as customer service tryed convincing me of and then got snooty with me about it. Kind of the icing on my already reached conclusion. There's a simple solution that my credit union does and that is placing the balance under every posted transaction as a reflection of that transaction. Problem solved but, customer service was uninterested.

If I could provide a negative -6 star rating I would. This company employs some of the most unintelligent people I have ever had the opportunity to deal with. To get out of helping you with a partial dispute by bouncing it back, they ask for documents you would not normally have. They then have the nerve to send you a letter saying since you did not give us what we asked for, we’re closing the case. Well they have not heard the last of me. They have all they need to take action and won’t. A pissed off customer!

Passed off to 5 representatives regarding a discrepancy in my account. Only for the last person to tell me to wait for it to solve itself. Worst service I have ever received as a customer and it wasn't the first time - how might capital best the next one??

The whorst costumer service included supervisor They are thief, they don't even have capital one review where clients can write a review! Why because they know they have a bad reputation! Their employees are rudes and they certainly don't have any knowledge!! More to come

This is literally the worst company I’ve ever dealt with and that’s saying so much. They cancelled my account for fraud I had zero to do with the week I got paid at my new job. They lie and are horrible people. I wish I had read all the reviews before ever doing business with them. Stay far away. Best advice I never took.

Been a member sense 2017… Changed my bank account and called to update auto pay. The person that changed it didn’t get it right and I was charged a late fee that they refused to reverse. Resulting in me closing account. These guys don’t care about you, just the interest you will pay them. Lots of better cards and companies out there. Shop around

Hate capital one worst company to set up my kid's savings....interests rates are literally 1 cent per month....how can that possibly help anyone?! On top of crappy customer service insensitive employees who doesn't consider others if it's not them. Repossessed the vehicle without allow to collect personal belongings. Horrible!! never ever will use or recommend this company for anything.

Mobile app absolutely sucks. My phone number has to be verified every time I use app for verification, but can never be verified and then locks me out because app never recognizes my number. I had to send pics of my license to email because app won’t accept mobile pic feature and then have to wait 10 days for customer service to validate my documents I’ve already freakin validated when I was issued card. It’s a nightmare. I have to constantly change my password because pop up will say it thinks I need help remembering sign on info and then makes me the enter my name Social security number date of birth to locate me but then asks for me to re enter my cell phone number to send code. But guess what. it can’t send dumb code!!!!! Because my number is not recognized. What a shsm. But it will take a payment, bull crap Amazing code comes thru to be able to send complaint. Lol.

Capital One informed me they would close my account due to inactivity. I couldn't find my card so asked them to issue another one. It took sending the same documents they asked for 3 times, many, many phone calls, and 4-5 months. By the time I received the new card, they closed my account. HORRIBLE, HORRIBLE customer service. They do not know what they are doing. There are better reward cards and companies that have better customer service out there

I have applied for hardship because of the economy, reduce in income. Trying to ask their help on how to get my card situated. NO HELP. Either you pay minimum with interest will be charged or pay it off all. I wouldn't call if I can pay all in one time. Didn't they understand why I called? If I can pay it why should I call them. Super heartless credit card company compare to others.

I applied and was accepted for a credit card with Capital One. I don’t have two forms of ID that I could upload so I duly sent them a copy of my drivers licence and my current council tax bill with my address on it. It seems that they can’t tell that Flat 1, 28 Anyroad is the same as 28 , Flat 1 Anyroad (which is how it appears on their system for some bizarre reason). So they want more ID. I haven’t got anything else with my name and address on it because all our other bills are in my husband’s name. And now they’ve ruined my credit rating by doing a hard search but I have no credit card to show for it. So p1553t off. I’ve cancelled the application because I’m so annoyed with them. Should have looked on trust pilot first!!!

Use this bank with caution. Never let Capital One account become your main or only bank account. After ten years, they have the right to cancel your bank accounts for any reason. Because I was on holiday and logged in from Ibiza, they just did it to me, leaving me without a bank account for a while. The last few days of my vacation were supported by the investing gains I made with PlanOff. Be very careful of them.

I have been trying for 3 weeks now to get a lean release on a vehicle that was totaled. They keep telling me it's in the mail. They even tried to Fed Ex it and were unsuccessful with that. I believe that Capital One is about as crooked as a bank can be. I will walk before I ever get another auto loan of any type with them. The date below is the 5th call and the 2nd promise of a Fed Ex package.

This is FAKE company!! be aware!

I have a 745 credit score and they were charging me 31% APR. I called and asked to have my interest rate reduced and they said they couldn't do anything. Once they have you they will screw you until you stop doing business with them. It is worth more to them to steal from you than it is to give you an interest rate relative to your credit score. I paid the final 700 I owed that night and I will only use Capital One as a free credit check from here on. They're conmen and stupid ones at that.

They offered me a credit card to help me build my credit. Minimum $200 deposit. I was happy to be approved and made a $500 deposit. They said the card would come with double the amount of the deposit in credit. $200 = $400, $500 = $1000. Well it was all just a scam and a lie. Card came with my $500 only. Plus I couldn't even activate it. Even calling them on the phone they were unable to activate it. Requested cancellation and got my refund, but it took almost 50 days for me to receive my refund in a paper check!!! Worst company to deal with EVER! Time wasters!

They issue a card, then waste 30 minutes of my time failing to figure out how to activate it. I remembered why I cancelled all my Capital One cards years ago, and cancelled this one before it was even opened :) Worst credit card service I've ever had, but I will say they're consistent.

I made a payment yesterday 5-19_23 with Mikaela and never got a receipt email or anything, automated always telling "no response " touch and sound and hangs up when trying to make payment, that's why called payment in,now these problems with live abrupt person saying payment not on time and hang up, in past used to do automated and when paid, said on time and sent confirmation, no more, it's a headache, even in person on phone! 21 times yesterday and today broken recording says no payment made and doesn't let you pay. That's not my record.

I purchased a Luxedo outdoor projector that was plagued with issues and the quality did not match their advertising. They did no accept returns it the unit was used. I challenged the charge and sent two extremely details statements with copies of the emails showing the issues. Capital One denied it and said I did provide what was requested. Call and the guy told me to write why I was unable to return it again in a statement and again they denied and cutoff any recourse. I wasted $1,700 and was given zero protection with Capital One.

This company has no regard for its customers. I am yet to have my application reviewed because thr photocopied licence and passport is not very clear to them. I suggested to them to resend the link for uploading the files but they said they cannot send the yuhu link twice. Wants me to go find a internet cafe to scan get photocopy and post again asif people are not busy with other things, they want me to do the same process again and what if the document does not come out as clear as they want? And a hard search has already been done in my name by capital one, so if i close the application without it getting granted, it will affect my credit score. These companies treat their customers like trash. All they care about is for what suits them. They seem to forget that the customers are the reason they are in operation. Bdware of these issues with capital one. Interest rates are also going up which makes me a bit reluctant to proceeding with the application too. I am about to put it all on hold

After we got the card and used it, they needed to verify my husband's identity; we had already connected our bank account, but sent his driver's license, SSN card, cell phone bill, mortgage statement, bank account statement, and voided check. All that didn't work after over 2 weeks, and when he tried to cancel, they said they could help with verification process and they called the bank together to verify our deposits. So now they're reviewing that. Also said that we couldn't get back a credit we had from a refund if we canceled. Now still waiting to see if they will verify. While they verify the account is locked including the rewards they offer at the beginning. I don't know how anyone can get verified. We both have excellent credit scores. So only apply if you're ready for this process and to be without the card for several weeks.

EVERY PURCHASE YOU MAKE THEY SAY DECLINED I HAVE A LARGE OPEN LINE OF CREDIT AND PAY WITHING 30 DAYS OF THE BALANCE IM SO SICK OF THE PHILLIPINES CONTROLLING EVERYTHING ON OUR CARDS WE NOW CAN'T SPEAK TO ANYONE IN THE USA THE PHILLIPINES LIE TO YOU ALL THE TIME THIS IS THE WORSE CARD EVER AND FOR A TOP CREDIT SCORE I POLITELY TOLD THEM YOU WOULDN'T HAVE A JOB IF IT WASN'T FOR USA I'M TIRED OF THEM AND OTHERS TAKING WORK AWAY FROM USA CITIZENS AND SUB EVERYTHING TO OTHER COUNTRIES WHO DON'T GIVE A WHOOT ABOUT YOU. WHEN YOU LOOK AT THE BOTTOM LINE THEIR IN A FINANCIAL CRISIS THATS WHY THEY TELL YOU ALL THIS BS

Would choose zero stars if possible. I’ve been a loyal customer for years, and I booked a rental car because they claim 5x points. The system messed up the time spots for my pickup - I have a screen shot of the my reservation before hitting submit with the correct time, I have the confirmation after I booked with the wrong time, and then I have a screen shot of the cancelation with the original correct time. Now it won’t let me book the car again so I called and the guy told me I “need to be more careful when booking car rentals to choose the correct times.” Even though I have picture documentation proving I selected the correct times, then I spoke to someone else and she said that I can’t book the car with my capital one card anymore (what’s the point of having the card then?), then I spoke to a supervisor who said she “can’t receive supporting documentation” (conveniently) from me and told me I am wrong about the times.. even though I literally have the pictures in front of me proving the system made an error. Horrible service to a loyal customer.

Refuses to help me access my account after I changed my phone and moved overseas. There are countless verification methods they could use, but they are too stupid or lazy apparently

Tellement de douleur que j'ai reçue de cette entreprise, mais j'ai eu de la chance de récupérer tout mon argent après les avoir signalés à une entreprise de récupération via [ 𝚁𝚎c̑̈𝘰 𝙑𝖊R̾ 𝗂𝗻 𝚐𝙲𝐨𝕚𝗻.𝘾𝘖𝖬] et j'ai récupéré mon remboursement, je leur suis reconnaissant de m'avoir redonné espoir .contactez la société sur mon titre pour savoir comment récupérer votre argent !

They are horrible. Give ridiculous excuses to not raise credit limit. I'm paying off my card and closing account

Stay away from capital one. I purchased online service and ask them to get my credit back to my account $4000.00 instead they reward the credit to the scammer. They tell you to upload a doc to support your claims, but a total waste of time. They don’t do anything. I have no choice but to make the payment to capital one. They are the biggest support of the scammers not their best attention of customers. I will never deal with them once I pay off my dues!!!

I had an awful experience with Capital One. I lost my card, which was at risk of being closed due to inactivity. I called to request a new card and keep my long-standing account, as it helped maintain my credit score. Unfortunately, the new card never arrived, and I discovered that Capital One had closed my account instead. Upon contacting them, they created a ticket to restore my card, but it was ultimately declined. In an attempt to escalate the issue, they suggested faxing my problem to their team. Seriously? Faxing in 2023? What The Fax?! #FaxYouCapitalOne.

Refuses to lower rates on credit cards, will not open a checking account for me to make it easy to pay them because I'm apparently permanently banned by legal. You ask legal why they permanently banned me from opening checking and savings accounts, they can't explain it. But they are more than happy to throw credit cards at my face, with their 90 percent interest rates. When you ask them why they are so stupid in regard to that 90 percent interest rate, they blame covid.

Constantly having issues with them flagging me for fraud? I use my card and pay it off, I have had to verify my bank account is mine 4 times now. This time I called and the system was down so they couldn’t even help me I have to try to find time to call again - just spent my lunch break failing at unlocking my account today. There are people who I’m sure owe them money but they’re coming for the ones paying what’s due? Seems backwards to me. Sick of spending my time proving I am who I am and getting my bank involved in a 3 way call like I’m a child on an allowance. Rerouting my subscriptions then cancelling both my cards. Never had an issue with my secured but I barely use it due to no benefits so they’ll be losing both my cards due to the inconvenience I’ve been through

J'ai été victime de leurs activités d'escroquerie, mais j'ai récupéré mon argent grâce à l'aide de la plateforme de récupération sur ma photo de profil. Contactez-les si vous êtes aussi victime, ils pourront vous aider.

I wish I could leave negative stars because this company is the worst I have ever dealt with in all my years. My debit card was canceled April 24th because of a fraudulent charge and was mailed out. The original employee I spoke to that day did not confirm my address nor did she expedite my cards so I can have it in 3 days. So the employee just sent it out to a zip code with no address And I am still waiting today 2 weeks later. I cannot pay bills or buy food or take my animals to the vet or anything because my account is locked without that debit card.

I have two quicksilver cards. One was upgraded to quicksilver. Which was my very first card 4.6 years ago on my journey to repair my credit. It stands at $600 credit limit with over 700 credit score, no missed payments, etc. I have worked hard on my credit and have built a substantial amount of creditors, They are very hard to get increased. I have had 4 cards do 5K in past month but not capital one

Have been with Capital One for 15 or more years. Really is a good Bank I have had banks several I would not recommend them But! will Recommend Capital One if you handle your money and accounts you will never have a problem if you mess up and expect them not to charge late fees or what ever you did then thats on you people blame Banks for there own mistakes!

I wish I could give less than 1 star. The app asks me to confirm a one time code whenever I log in. Fine, annoying, but fine. Then I try to login this morning, and it says I've maxed out my one time code requests. I call and they tell me im limited to 10 a day? What the hell? I can only check my bank app 10 times a day? Do NOT tell me youre looking out for my security. NO OTHER APP does this. I shouldnt have a LIMIT of 2fa attempts. I am so furious! I shouldnt be limited to only being able to login to my app TEN times a day!

Despite my attempts to obtain a clear explanation from Capital One regarding their "business concerns," no additional information has been provided. Furthermore, no suggested route to resolving the issue has been offered, leaving me in a state of uncertainty and frustration. To add to the situation, Capital One still owes me money that I overpaid, and no refund has been made to date. This lack of action on their part only compounds my dissatisfaction with their services. I strongly urge Capital One to take responsibility for their actions and provide a clear and actionable plan to address their concerns. Additionally, they need to refund the money they owe me promptly. As a valued customer, I expect to be treated with respect and transparency, and I will not settle for anything less.

tried to apply for this credit card and the level of incompetency of the service is astonishing. They were not even able to understand which documents I had sent. I find it very worrying... I tried to explain many times that I was not from UK therefore I had to send other documents rather than original UK passport or driving license....they seemed to not even understand it. I find this company quite dodgy, therefore I decided to cancel the application as soon as I noticed their levels or inadequacy. Not recommended

Unable to transfer money electronically from the time I open the account. Staff and Management to incompetent to resolve their own software problems. Would never recommend them for any savings account.

Do NOT bank with them! I opened an claim with Capital One because Microsoft was charging my card for a subscription I had no access too and they refused to close my account. Capital One was going to replace my card and instead, they closed my account entirely with no reason. The email said I would get a check within 7-10 business days and it has almost been a month now. I called to see if someone could help me (this is the first kind associate who has answered anything.) and they said that because I have a claim open that they cannot close my account out entirely so I cannot get a check until it has been determined and that it can take until July. (I filed my claim in April.) WHY are my claims still active when they closed my account for no reason! Now I am out 500$ and Capital One will do absolutely nothing about it. Do not bank here. They do not care about you as a customer or about getting the money that is rightfully yours, back.

Would not settle my son's card account due to disability yet on their website gave instructions how to commence. Scuttled us around several times between numerous representatives, made my son send permission papers to have me handle and ignored them-made my son get on the phone over various attempts to pretend to settle. Finally made an offer they liked so what did they do? Handed us over to a debt collector! If you have a Capital One card convert it to another firm. If you get in trouble they will not help.

Don’t ever think of opening a secured credit card account with them, they claim they’d refund your deposit in 6 months if you handle credit responsibly but it’s been over a year and they’ve not refunded me they just keep offering me higher tier credit cards and car loans lol Use discover

I have 2 CapitalOne credit cards, both with decent limits. One has been open for 8 years, the other 7 years. Neither has ever had a late payment, chargeback, dispute or fraud claim. Both are usually paid in full every month. Until about a week ago, I had never had any problems with them or the need to ever call them or deal with their customer service. Then, out of the blue for no reason, everything changed. Transactions on both cards were being declined. The first time I immediately called in and was given the non-sensical reason that the charge (for about $200) was not part of my normal spending habits! I have NO “normal spending habits”. They would not explain what that even meant, though it was obvious that they had put in some new authorization algorithm, which is obviously buggy as hell. A week later, my car battery on my Mercedes died and need replacement. I called my road service company and they came right out to my home and replaced my battery. Then I gave them my other CapOne card and it was declined. Instead of calling CapOne on the spot to get it approved, I simply put it on my Discover card. Then, I called CapOne. Got a well-meaning rep in Columbia, but unfortunately could barely understand him, past the same “spending habits” reason. And, of course, the standard customer service line all companies say now, “We’re sorry for the inconvenience!”. So, I got transferred to an “Account Mgr”, who was loud, rude, disrespectful and would offer no answers whatsoever, though she did have to admit I had absolutely perfect accounts. She didn’t even bother to apologize for the ‘inconvenience’ or the embarrassment the incidents had caused. I finally had my fill and told her to stuff the cards and cancel them immediately. She started interrupting and yelling again, so I simply said do it, have a good day, goodby and hung up. Obviously my accounts have been somehow incorrectly red-flagged and despite telling them to cancel, both accounts remain open, with the declined charges listed as “pending”, despite my having placed both on another of my credit cards with companies that treat me like a valued customer. In the middle of all this,I was also locked out of my online accounts and then treated like an idiot by their so-called tech team. Oh, did I mention it is almost impossible to call them. They print their phone number on the card in such a manner as being almost completely unable to read – very tiny type, with white on a light gray background. Ridiculous. After being a perfect customer for 8+ and 7+ years, I don’t need this aggravation, harassment and embarrassment and made it clear I won’t stand for it. Of course, I have heard not a word from them since either incident. There are still many credit card companies that value their good customers. I will be dealing with them exclusively from now on.

We attempted to apply for a credit card.... what a surprise. If you own your own home as well as cars, and pay off your credit card balance each month.... Capital One does not want your business. In addition to no mortgage and no car payments, we have a solid retirement income, several investments with Edward Jones, and a strong credit rating. The reason given for the rejected application was inadequate income for credit limit requested. Not only were we insulted by the "reason for being rejected", but they did not respond to letters when questioned about their filtering methods for credit card applicants. If you are looking for a second credit card and have the above criteria, do not consider Capital One.

I've had a Capital One account (savings, checking, Savor One CC) for 6 years now and never had to set foot in a physical branch. The app and phone support (limited times I needed it) have been outstanding. I was considering moving money to a higher yield account at another bank and saw all the bad reviews there. Since there are even more bad reviews here, I just think people that are inept like to complain.

I had 2 fraudulent charges on my credit card. The bank notified me by phone call, text, and email asking if I had made these purchases. As an elderly widow who had previously never had a problem, the company was wonderful and protective of me. A new card was even overnighted as I was going on a vacation. Thank you Capital One!

I have had savings accounts with capital one for years. After the sale of a house I deposited $75,000 into one of my savings accounts. After I did that they have frozen my account (since March 28th) and I have not had access to $110,000 of my money for almost a month now. No one at the bank will speak to me because my account is "under investigation" and I have not had anyone contact me to let me know where they are with my account and when I will have access to my money again. Beyond frustrating and bordering on what feels illegal. Once I get my money back I will not be banking with them again.

I’ve had a capital one account since 2015. I got an Amex card in 2016. My credit score is 807. My capital one credit limit is $4000 after 8 years with immaculate credit and my Amex credit limit is $40,000. I’ve tried calling and talking to them but no one cares. If it wouldn’t hurt my credit, I would’ve closed this account a long time ago with capital one. I would not recommend getting any accounts with them. They don’t care about you.

I get the "opportunity" to receive a card daily. Stop. I had one 20y ago and it was a miserable experience (membership fees I didn't agree to) STOP THE EMAILS.

While traveling outside the USA I found it impossible to enter my CapOne account online because of the limited methods offered for the three part account access. You may well not have your USA domestic phone, and you won’t get texts from CapOne. This makes the card useless for international travel. The company has no response.

Capital One will make a fraud case worse by making it about you. Yes, I subscribed to an online service, cancelled it, and then have proof. The vendor never refunded me. They CyberGhost-ed me. Capital One is part of the problem. Consumers have no rights any more in the U.S. If a vendor says you owe them, that's it. Even if you have proof to the contrary. Of course a fraudulent company won't provide ALL the docs that bank purports to need. Capital One is all about scamming the little guy. Go elsewhere

Decided to upgrade from Quicksilver to SavorOne--paid in full monthly for c. 25 years and over 800 credit score. Many forms to fill in and more to "verify identity"--over and over and over again for hours on computer and phone. Finally got and activated card--turned down for "insufficient funds" at store. Called and told to "verify identity" again! They said they don't coordinate the fraud department with the application or with another account. Days lost over worst treatment of an old customer. Cancelling card and bank accounts.

I absolutely would not recommend you to get a capital one credit card. They pretty much tell you what you can spend it on and also if you have an issue paying or need help, they will not do it. I would not be one of there employees. I pray for this company because if you are down on your luck they will cancel your account and send you a very rude and ugly letter without contacting you. Not a very good card to own.

I have never encountered such harassment, discrimination and bumbling incompetence as I have with the fraud dept of Capital One 360 My wife was offered a Savor credit card after YEARS of checking and savings with debit card etc. When the card arrived she tried to activate it but they ignorantly demanded that she send a photo of her drivers license. We decided that level of harassment and incompetence was over the line so the new $5000 limit credit card went into the shredder. I understand the need for security but their fraud dept is totally incompetent. They held the line and demanded the drivers license but refused to even give a clue about what their reasoning was. So after much hoop jumping and unprofessional garbage we managed to close her checking, savings and her Savor credit card. This level of incompetence in a fiduciary is inexcusable and dangerous.

I called capital one cause my account for behind a couple months didn't pay the fees. The I found out there is two accounts and I've only ever had one. Does the worker help me create a fraud ticket and start investigating? Nope she tells me to call fraud department and when I look it up they don't have one!!! I called and said report fraud and it doesn't understand that command!!! So my account is frauded and in debt when i gave them money to get the card in the first place. Haven't used it and got $126 worth of charges and fraud on my name for absolutely nothing. And the workers don't do their jobs and refuse to do their jobs. Just keep trying to pass off work. So pathetic. I'll never use this service ever again. I wish I could add pictures cause if you go into their website and look to report fraud it comes up with nothing. Way to protect your clients guys! Oh and on top of that my $300 deposit for the card disappeared according to them!!! On top of that their app won't work so I can't sign in. Something about permissions and my phone won't allow it for some reason. So I'm pretty sure it's their app cause never had these issues before. Or maybe it has something to do with my account being frauded. But one thing I do know the workers don't give a crap that my name is being used and frauded and my money is being taken because of someone else's mistakes. I refuse to pay any debt that comes from these problems. I'll see you in court.

I took a trip outside of country. My payment was coming up so I tried to log on and make a payment online but could not successfully log on due to the text/call method to double authenticate. Took 18 min of international calling to reach an agent and about 4 more minutes trying to access my account. So after fully paying my account and restoring my balance to $0; I closed my account. Took me 25 min but at least now I don't have to deal with that headache.

DISAPPOINTMENT So in 2022 I applied for the Savor upgrade card that Capital One kept promoting by email consistently so I applied so no reply. So later said no recognition that I applied but I did it was declined and that’s when found whomever stole my identity was trying get a card as well so reapplied in 2023 with impressions balance to be transferred yet nothing. So as usual the past three I paid on due date full balance, but they didn’t honor said was after certain time eastern time which isn’t right my authorized user on pacific time and I’m on central time. I’ve never paid, but authorized user paid minimum until yesterday with miscommunication with representative and my authorized users so I called to make note of what I was seeing online and try resolve. So I went online again and it wasn’t clear to me so I called back paid full balance for statement; I’ve incurred interest and lates fees last 3 I regret allowing authorized user to use because I no longer want a relationship other than my monthly phone bill that has card on file. I was told on last night that could not help me with the fees, I’m sorry, blah blah. The representative after certain hours aren’t from USA; but they are very polite and apologetic; I don’t have issue whose hired to help all people need employment. I’ve had a very good relationship up until now. I’m highly disappointed to be considered or able to communicate with upper management. There’s no email address for complaints or unresolved issues on billing. I don’t feel appreciated then I asked to use my rewards money and was told wouldn’t post until 3 days or so ; or if mailed would take 3 weeks. It’s such an inconvenience either way. I’m glad they showing me the true customer service now that my credit line is 90% increased without asking. Just before holidays they raised my credit 47% above current credit limit. The issues arose 16th FEB, Mar, April 2023.

Capital One advertises they follow the SCRA and wave fees associated with the military when signing up. What a great deal considering AMEX and Chase, to include other credit card companies provide the same opportunity. Capital One tells you to sign up for the credit card and leaves the opening home webpage showing all active duty members are eligible for this offer. I even talked to a representative to confirm if this is true. I called a representative and explained on the phone (which is recorded and asked the company to replay their fault) that if you are on active duty they just need to confirm it on their end before they wave the fee. So they get you to sign up for the credit card, with the message being you will be reimbursed within 2 business cycles. Weeks later a generated mail response comes in the mail and you get a notification saying you signed up for a credit card after you are on active duty and you will not be reimbursed the annual fee (thanks). What a rip off and false advertising. I cannot believe this is how we treat active duty military members.

Capital One has restricted my Spark Business card for 3 days. When I first called they said they were looking into a potential fraudulent activity. Now on the 3rd day a manager from the fraud department informed me that Capital One has an internal IT issue that has frozen users credit cards and the fraud team is unable to access those accounts. There is no timeline to correct the problem, nor can Capital One issue me a new credit card number. The Spark Business card is used daily for my business. The lack of transparency and integrity by Capital One has negatively impacted my business operation. Now I have to setup a new credit card company as my primary and get cards issued to my employees.

Although I was hopeful for Capitol One, their customer service is atrocious. I have had several issues with their online banking. Each time I have called for a resolution politely, the blame was put directly back on me. The customer. Their staff does not seem to be trained properly or have the capabilities of other banks. Basically funds were being paid out if bank account to that were closed that I never authorized. Or online bill pay is not actually online but mailed checks. Which caused my payment to be late. The only option I was given was to file a claim and will receive my funds in 7-10 business days. So either way my payment is late, with no fault of my own. The supervisor did not seem educated himself on the process and co to use to blame me, the customer. I will not continue to utilize my checking account with Bank of America. I may take my other four accounts as well. I felt I was not valued as their customer.

I had a Capital One Credit Card for 20+ years... Never again. Last year, I went to purchase a computer from a shady Chinese company based in Hong Kong. 5k on the card. No problem. Last night, I went to buy my wife a new ring from an online US jewelry retailer. 2k on the card. FRAUD ALERT! card IMMEDIATELY locked down! I called their Fraud Department, gave them all the information requested. Then they tell me they need me to telegraph a FAX of my driver's license to them at 11pm at night. FAX? This is 2023, the FAX (which is 100% insecure) has been in use since 1886. 100+ year old technology is your defense against Identity Theft?!! FAX you a Driver's License that would have been stolen with my Credit Card IF my Credit Card or identity was stolen? Also, closing the card was 30 seconds, listening to the Fraud Department defend FAX as a 100% secure method of verification, 10+ minutes.

I have called twice to replace a card that was either lost in the mail or never sent when it had expired. It was a platinum card that I had since 2013, however, to this day they have never sent a replacement. I called in November and in February. Still no card and it's April. Their customer service is horrible. I don't know why they won't replace this card. Go anywhere else for a credit card. No stars.

So in 2022 I applied for the Savor upgrade card that Capital One kept promoting by email consistently so I applied so no reply. So later said no recognition that I applied but I did it was declined and that’s when found whomever stole my identity was trying get a card as well so reapplied in 2023 with impressions balance to be transferred yet nothing. So as usual the past three I paid on due date full balance, but they didn’t honor said was after certain time eastern time which isn’t right my authorized user on pacific time and I’m on central time. I’ve never paid, but authorized user paid minimum until yesterday with miscommunication with representative and my authorized users so I called to make note of what I was seeing online and try resolve. So I went online again and it wasn’t clear to me so I called back paid full balance for statement; I’ve incurred interest and lates fees last 3 I regret allowing authorized user to use because I no longer want a relationship other than my monthly phone bill that has card on file. I was told on last night that could not help me with the fees, I’m sorry, blah blah. The representative after certain hours aren’t from USA; but they are very polite and apologetic; I don’t have issue whose hired to help all people need employment. I’ve had a very good relationship up until now. I’m highly disappointed to be considered or able to communicate with upper management. There’s no email address for complaints or unresolved issues on billing. I don’t feel appreciated then I asked to use my rewards money and was told wouldn’t post until 3 days or so ; or if mailed would take 3 weeks. It’s such an inconvenience either way. I’m glad they showing me the true customer service now that my credit line is 90% increased without asking. Just before holidays they raised my credit 47% above current credit limit. The issues arose 16th FEB, Mar, April 2023.

I have several credit cards with Capitol One and recently I made a payment that was supposedly less than the minimum and was charge a $40 fee and the customer service people from another country that barely speak English said they could not help me! I have had these accounts for several years and never been late and always paid over the minimum! Very poor customer service!!!!! Very disappointed!!!!!

Honestly does capital one HAVE NO ENGLISH SPEAKING AGENT!!!!!! without an accent!!!!!. I find it impossible to understand without asking them to slow down their speech!!! and I do not UNDERSTAND WHAT THEY ARE SAYING. frustrating!!!!

Can you please assist me with understanding how a person would speak to someone over a supervisor's head? According to the supervisor, there is no one above her. Then, in the same breath, she goes on to say, "Well, we have managers, but they are strictly administrative." So, does Capital One not care about their customers and not care about keeping them happy? I spoke with Serina, and I may be spelling her name incorrectly, on 04-14-2023, approximately 12:35, and she said that Capital One no longer allows any adjustment whatsoever. My son, who is a college student, was making his monthly payments and did not realize he was off by $1. He has been charged late fees for four months without any communication. Per the supervisor, this is not something that we should have to inform your son about. How many college students do you know keep up with this? How many actually attempt to pay you on time or pay off their credit cards? However, you have one that is trying, and the supervisor is not willing to do what she can to assist the individual. This is now the way Capital One is running their business, with a supervisor who is unwilling to help their customers, who are at least trying to pay their bills on time.

This account is only AND I MEAN ONLY good for someone who is trying to fix their credit and is willing to pay off the entire balance EVERY MONTH- NO EXEPTIONS. They will instantly ruin your credit if you leave any funds for another month to pay off.. minimum payment? .. don't even consider this as a choice.. after 1 year they took my credit from 680 down to 510 due to paying minimum balances.. this company will never help you do anything .. they do not deserve any interest on your account WHAT SO EVER -- the most take advantage of not financially savvy people there is.. i would rather leave my money with Celsius in the bitcoin Scam.. AT LEAST THEY ARE GETTING PART OF THAT BACK THROUGH JUDGEMENT... I CANT Wait to tell everyone i meet about how bad they want to tear your financial identify into shreds.. and trust me .. I WILL

Normally I love and praise CapitalOne, but they just left me in a horrible spot. I got their travel card (Venture X), bought tickets and booked hotels for a trip (5 countries). The card has been working great, but yesterday (day 6 of my trip), it got blocked. "Totally fine", I thought, "they probably suspect fraud. I'm sure a quick phonecall will clear this up." With zero warning, zero "is this purchase yours", etc. they locked my entire account. They want documentation - 2 of which I have handy - but the third, my Social Security Card, I don't have. They absolutely refuse to do anything else to work with me. I have to do the rest of the trip without my card, change all my reservations that are on the Venture X card, and when I get home, I have to dig up my SS card. By the way, I'm fully legally able to close the account without the Social Security card (as they have told me I can do)... I can even open a new one. And the guy ("Joseph") at the call center in India (fraud department for CapOne) told me that they had all the information and the card doesn't provide them any more information - but they want to see it anyway. This is all on the recorded call. Side note, I spoke to to 4 people in the call center in India: "Jay", "Joy", "Josh" and "Joseph". The first 3 were apologetic at least, but "Joseph" was quite arrogant and let me know that even if it takes several months, they will not unlock the account until they see my SS card. Leaving me high and dry on a trip I booked with the travel card even after I confirmed the card is not stolen and it was working great for months - INCLUDING on the trip... a complete trash move.

I have had a Capital One card in my wallet for 10+years. In the past month I recently applied for a new card. I have never seen so much unprofessionalism and hang ups in my life. I was told I was approved for a credit card. 3 days later I was told on March 16th that I had to send in documentation because I had recently moved in with my husband who is is the military. I provided all the documentation that they asked for including proof of residency. I sent in all the information to them and April 10th, I thought it was really weird that I had never heard from them regarding this so I reached out to them. It took me four times of calling to finally get someone who did not hang up on me and to completely comprehend why I was calling in. I was lied to about them calling and leaving a message on my voice-mail. I even reached out to the phone company to have a call log emailed to me. I had to keep resending in my proof of residency to them because they had issues accepting the mailed bank statement. Then today April 13th was the kicker. They said that they tried to call my bank to verify my information. My bank does not accept over the phone 3rd party call verification and they were told to EMAIL OR FAX their request. I spoke to TeAmo who I would highly recommend speaking to and she made notes that I do not get utility bills due to living in military housing . I got a phone call back from Harold who should not have a job. He told me they do not have a fax machine or email to be able to do that. I asked to speak to his manager Ray because I know that to be the biggest lie possible. Ray got on the phone saying they had no email or fax machine either. When asked to speak to his manager, he rudely hung up on me after saying there was no one higher then him. I have never heard of so many lies and dealt with so much unprofessionalism in my life. I will never do business with them ever again.

Sent charge in for dispute for an unauthorized charge. Merchant responded to them and said it was authorized and that was it I lost the dispute. They stood behind the merchant 100% despite sending all the follow up letters and messages requested calling back multiple times. It honestly made me sad I thought I wouldn’t be held responsible for unauthorized charges.

CAPIL ONE signifie VOLEUR Merci

Capital One is THE WORST BANK I’VE EVER DEALT WITH. For the past 3 months I’ve been trying to get a fraudulent charge reversed from mom’s credit card but they have been completely unhelpful. My mom is 80 years old, disabled, and live in New York. We NEVER did ANY business with Capital One but was forced into this situation when they took over the bank that we dealt with. In the process of sending new credit cards, they screwed up and sent a card with someone else name on it. We called and told them they need to fix the problem. In the meantime, someone got her card and used it. Her credit card was used in California to purchase gift cards. We notified Capital One as soon as we found out and was told that the charges would be removed. The next month the charge was back on the bill and they claimed that because the purchase “was made in person” she was responsible for the charge. We have called several times and spoken to their fraud dispute department but they refused to budge. Last time they told us to submit evidence but when I asked what kid of evidence they need they would not give me an answer.

I love this card. They always handle fraud issues really well. Recently I had one and they express shipped a new card immediately. I've never had any issues with them. They've increased my card limit on their own. Just really feel they have my back. Hope it always stays that way.

I will NEVER EVER use Capital One again. My card expired and I called for a replacement (which I never got). Huge runaround, needed copies of my id, try to upload them, it doesn't work. I kept my auto payments going until the account was closed. You have the worst customer service in the industry. I don't want to speak to a foreign customer service rep that I can't understand one word they say with the thick Indian accent. Never had a problem replacing an expired card.....you really should go out of business. Capital One will never be in my wallet again. Samuel Jackson should be ashamed of himself for being a spokesperson for this horrendous company.

Was a Capital One credit card customer for around 30 years. I cancelled the card recently and would not consider ever using their services again. They charge a yearly fee and then act like they are doing their customers a favor by letting us do business with them. Now using chase for all my charges and could not be happier i made the change.

Reported fraud on our business card and they won't even investigate. We asked them to ask merchant for receipt and they basically told us to get the receipt ourselves. Been a Capital One customer for both business and personal for years. Looks like it is time for a change. I need a cc company that has our back on fraud issues.

Really poor customer service. Unsupportive. Uncaring. Capital One messed up sending me my replacement card...now I have to pay for their mistake. Sad.

I HATE CAPITAL ONE. At first they were okay. But when it was time for me to ask for an increase on my credit card, their answer was always no. I used my card monthly and paid the balance off each month before the due date. CAPITAL ONE WORST CREDIT CARD COMPANY. DISCOVER 100 TIMES BETTER!!

I was excited at first because this is one of the few companies that would give me a decent credit limit for a fair credit score, which I appreciate. But in 7 years they have not raised my limit once, despite my continually improved credit score. This past time I requested a limit raise, the reason for refusal was that "accounts are being reviewed for eligible increases" which lol is basically what I'm asking? I have another card that raised my limit within 6 months. Capital One feels out of date and like it just cares about money.

I had a fraudulent charge on my CC from a vendor who did not provide a promised credit. Capital one refused to credit my account and sided with the vendor . Dealing with them in this process was horrific. I will stop using their CC.

I pulled out cash from my credit card. I thought it was my savings account - but that's another issue. What was terrible was that there was no notice about the $10 fee nor the other charges when pulling out the money. I had reasonably positive feelings about Capital One until this episode. Now, after this, and calling their customer service department - I want nothing more to do with them.

This company is a lying, deceitful, thieving pile of crap. I had accrued $7000 in points on my aspire card and they summarily cancelled it for "business use". Though they said it was against the terms of their user agreement--I could find nothing in there mentioning this. I lost all points. 7K of hard earned currency--gone They cancelled my card without notice. I found out it was cutoff while filling up gas and unable to pay. Absolute crooks. Stay away.

I have used this bank for a long time now, they were good before, the best is the 360 that was when i have it with them, for some times now I notice a lot of things with my credit card and I am not satisfied anymore, they don't give you details of your spending and when I call they will take me back to old transactions that I already paid, i am constant in my payment, the last time I call for a refund, they send the refund but the money is not complete, the Managment needs to do something about some of their employees that are reping people off,

I must admit I find the negative reviews puzzling in light of my experience with Capital One Bank. I travel internationally, frequently staying on a consulting assignment for over 6 months. Capital One's credit card has been easy to use everywhere I've been AND they do not charge the "overseas fee" so common with many other cards. I find this particularly useful for documenting reimbursable expenses as they all show up in USD on my credit card statement. Further, on the 2 occasions in over 10 years when I disputed a transaction, Capital One immediately addressed the issues and I got a fair and speedy resolution. I have all my contract fees and other income deposited to my account and automatically pay the entire bill monthly, very convenient and leaves me free to concentrate on my work. The lack of an overseas funds transfer isn't a major issue, as alternatives exist. Transfers within the ACH system, including quarterly payments to IRS, are smooth and accurate. Customer service, on the few occasions I've had to use it has been great, including the time I lost my credit card in Thailand. I'll date this review for today and just want to remind readers that it really reflects over a decade of experience with Capital One Bank

Worst customer service I have ever experienced! I have been with them for Just over two months and have never experienced such ignorance and incapability in my life. I was double charged over $700 and I tried to have one of the charges canceled. They told me it would take over 25 business days to refund my money, and yet they took the money out in one day! This is 2023, electronics move much faster than that! The customer service woman, Emma, Who was a supervisor, was the most ill-equipped, uninformed and so unhelpful that I asked to speak to a manager and she said there was none! I tried to go over her head so I wound up calling the bank to put a stop payment and it wound up costing me $30 out of my pocket and over two hours on the phone trying to deal with them. Next month I am canceling my account with them! I am very dissatisfied.

my old credit card from amazon stopped trading so looked for new card to replace it..had credit limit £3500 and have exellent credit score.. crapital one gave me new card with £200 credit limit... pointless and pathetic..so have just cancelled it only to be told it will take 2 weeks for them to send me email to confirm acc closure..maybe time the governing body looks into this company, and all its bad reviews.. and trust pilot pls give us the ability to give NO star ratings, this company does not deserve 1 star.

Capital One my favorite and best bank ever. I have both checking account and two credit cards with them. Quick support, super fast transactions, no fees, I'm very happy with my cards

A security fee of 300.00. Was charged to my accout.when will. It be refunded to my account

I have been banking with capital one for more than two years and I most commend their service

do not use for your business I only use reliable safe resources if you choose to take the shortcut you deserve what you get this company is not good for a single thing

Customer Service sucks. They constanly lie to the customer. I call customer service for 3rd time to get a new card. lady said they would overnight it to me. they didn't even mail it out until four days later. and said it takes 7-10 business days to get, i guess mail doesn't move on weekends anymore. Terrible Customer service.