Capital One Spark Cash Select Review

look at the name in my profile picture for help now!

This bank used to be good... and then, something bad happened. Recently, I was led through a merry-go-round of codes and texts and phones and uploading driver licenses three times, just to be told that nothing could be done about it. All I was trying to do is add my husband, who also has an account with them, as the co-owner of our checking account! Idiotic programming or policies won't allow you to set up a joint account to start with, and then they couldn't recognize his phone, because both our cell phones were under my name. They would not allow it to be handled by mail, nor in person in their "café". How do you stop your customers from doing business with you, go learn from Capital One. Today I was trying to add my church as the beneficiary of my account. I did it a year or so ago with another account with Capital One, but then I switched to a higher interest paying savings account. Turns out that their current programmers or policy-makers (I am not sure which) decided that you could only name an individual, not an organization, as a beneficiary. So unless you can input a birthdate, the program won't allow you to proceed. Seriously?! I even wrote an email - a very polite one - to their corporate office. Nobody ever responded! The nudge was ignored as well. What is it with these people? Have they ever tested their programs with real people? Maybe they feel they already have too many customers? Well, with this sort of arbitrary policies, the problem might be solved soon.

I've had a credit card with Capital One for several years. £200 credit limit to improve credit score. Always paid 4 weekly on time. I was scammed by someone who obtained my details. 21 attempts were made on my Santander bank account of which 7 were successful before my bank pulled the plug. Each one was for £10 MS gift cards. I had one £10 card purchased via Capital One. My bank refunded the fraudulent deductions and made swift changes to prevent further ID theft. Capital One had a different Outlook...They used the words "Compelling evidence" to charge me with the cost of the crime. What was their "Compelling Evidence"? They contacted MS and were told that my card details were used to make the purchase.? Now, how the hell does any crook get items using anything other than your details. If that is how their logic works then every victim of ID theft will always be denied justice. The second "compelling" evidence was that I had bought several items from MS windows in the past. What? Off course I did . It has a large range of products and it is near impossible to go elsewhere for IT products. So by stating the blinding obvious I scammed myself? Not so with my bank. They recognised the fraud and were fully supportive. So I put a block on my Cap1 card and paid extra to allow me to boot this useless company in to touch in 3 weeks time, when I can next pay them off fully

It seems they are outdated now☹️☹️ I tried to open a savings account with capital and everything was going smoothly until they tampered with my funds. I tried to get in touch with the customer service but they were unhelpful. I took a hard decision on myself to use my money for something that would benefit me and give me great returns instead of just saving alone. So, I made a decision and joined "Vou wallet" which is an investment service, and that has really helped my financial struggles. I have made a lot of profits from them and still have my Capital funds intact.

After their "update" of their bill payment system my bill payments that had to be sent by check stopped arriving. They were absolutely unbothered with my concern, and had very little concern for assisting me.

I have been a customer for 6 years with a excellent credit score and no bad credit history, I have been asking for an upgrade for my card from last 1 year and they wont give it to me. I called 4 times in a year and they claim they can only give me what is on promotion but they cannot upgrade me to a different card. Bad banking experience and don't care about their loyal customers.

This is a warning to anyone who has a Capital One credit card and AOL who is getting paperless billing. AOL puts Capital One bills in the SPAM folder. They notify Capital One that their email is blocked. Capital One continues with this blocked billing. You WILL NOT receive your bill but your will receive your past due notice. They will continue to charge late fees and interest even though they are aware that you cannot get the bill. After speaking to them, they maintain there is nothing they can do about all these fees and interest charges. The customer service is non existent. Very disappointing

Sinceramente la opción de llamadas es una reverenda basura cada vez que llamas te envían a una contestadora automática y nunca entiende lo que le pones, y es pésima todas sus opciones, por eso le di a una, y creo que no debería darle ninguna estrella

The worst customer service I have ever experienced. Horrible communication. I was cut off and talked over frequently. When I stated that they kept cutting me off I was put on hold without notice and then when they came back didn’t even acknowledge what they did. My call was disconnected twice, no call back. Very very rude and so demeaning. I will be spreading the word on how they run things.

Worst customer service ever. They will not allow you to contact their estate bank operations dept., tell you that they can only contact them by email and that responses answers to questions will tale 3 to 5 business days . I have a sample question want to know when a distributiom check will be mailed ( advised the check has been issued ) emailed the request and called custiomer service, it is now 8 days later and still know answer from them. Called customer service 3 times still no answer to Case # 20230821001818B mean while they have $278,000 of estate's funds.

Shame on Capital One. Only offering a $350 bonus to new customers and not loyal ones that have been with Capital One for years. I only have credit cards with them and wanted to open a checking and savings account with them. Now I won't. I'll go to another bank instead.

I got this card to improve my credit score .. I have no idea is it going to work or not but I am sure they do no work to have a little bit quality of service if you have alternative just do not get anything from them

Capital One has gone down the tubes during the pandemic and everyone in our local area admits it. I just called to get an unknown transacation from Amazon refunded. There is no record of this transaction on Amazon, or Paypal, anywhere. Capital One insists I must have a magical ghost susbcription with no paperwork because this scammer charged the same amount of Amazon prescriptions, so it "seems normal to them." They've earned every negative review they've gotten since 2020 and you should not bank with them at all under any circumstances.

I can't forget the years of good experiences I had with this company. But, all of a sudden, I am getting stonewalled and lied to by customer service. I bought a necklace that I never received. I tried voiding the charge after customer service wasn't helping me. I had voided a few times with Capital One, it was really simple. For some reason, I have been completely barred from getting my money back for this necklace I never got. Not only that but when I'm following up with a representative to see what is happening with my void, they tell me that it was filed incorrectly by the 1st person I spoke with. She tells me the 1st person filed it as if I received the wrong product, so my story is inconsistent so the void was denied. She tells me to email to continue the process and that I am going to get a supervisor callback. I never got emailed back and never got a supervisor callback. Months later I called back and I was told that it actually WAS filed properly but I still lost the void. I get no explanation on what the 2nd person was talking about, why I didn't get a callback, and that I never emailed them. This time I did ask for a supervisor. I didn't get the empathy or care that I used to get from the supervisor either or any useful explanation on what was going on. She told me to just try again, and the void has been denied again. It made me feel like I was being treated like I was a liar and should just get over the hundreds of dollars that I have lost. It has left a really bad taste in my mouth. I've had this bank since the day I started looking for jobs and I used to feel safe with them. Now I feel like they look at me like I'm just a number.

My dispute is with Capital One Venture Credit card. I had a disput with FUBO TV. Never received any service, yet was billed 2 months. Asked for refund and Capitol One sided with Fubo. I have 3 Capital One credit cards and have spent over 1,000,000 over the years yet CO would do nothing to help. Only TOO BAD letters!

I've encountered an issue for the second time in as many months with my bank's calculations, and it's quite baffling. On two occasions, I've been shortchanged by £6. When I called their customer service, instead of performing straightforward calculations based on my recent payments, they used a previous account balance, which resulted in an incorrect total of £106. It's puzzling to me that this happened, especially given that simple arithmetic doesn't add up to 106. How is 40 plus 60 106? Has anyone else experienced something similar with their bank?

my credit card company says amazon is claiming not to have received return of goods although I have considerable proof to the contrary from Amazon's website (1) emails from amazon employees stating that Amazon has received items (2) more than 15 screen shots showing progress of returns including: tracking of return, carrier scan of goods, Amazon scan and receipt of return. Amazon 'refund issued" is shown on website, although the actual monies were never returned to me. (3) My credit card claims, on recorded lines, that Amazon says that the item was not returned. This is false. I provided (1) emails from Amazon employees stating that they had received the returned item, (2) provided tracking proving receipt of goods from vendor (3) showed screenshots from the vendor website showing carrier scan, vendor scan of goods received, and vendor "refund issued". (4) Amazon has alternately listed the refund (screenshots on different dates) as the amount of tax $31.16, (which is the amount of the tax for the item) and refund due $359.16 (combined amount of the subtotal and tax). There is no explanation of why Amazon only issued the amount of tax to Capital One, but the fact that they did substantiates the fact that they received the item as a return. I have screenshots which I sent to credit card company showing that the "return has been issued" for both 31.16 and 359.16 (which makes no sense), and this is listed as August 28, which is the same date as what is listed on the email from the employee. It is now September 11, and I still don't have a refund for goods returned July 25. (5) Amazon refunded my card $31.16 which is just the amount of tax, which substantiates that the item was returned but doesn't explain why I was not refunded the subtotal of the returned item. This is Fraud. I have reached out more than a dozens of times via recorded calls and emails, I have gotten nothing but robotic answers and form letter responses. I have spent untold hours on this. I sent over 15 screenshots to Capital One and returned the paperwork via mail that they requested. I have spent literally hours on the phone with Amazon and Capital One and sent dozens of emails to both. Capital One sent me a link which I sent back (ending 7849) On September 7, on a recorded line, the Capital One agent told me that the link they sent me would not suffice, and I would have to re-send all of the information. This is egregious that I have to spend 15-20 hours to get a refund that is proven with screenshots, emails and has theoretically been credited because the vendor credited the tax and is in error with the amount. This is FRAUD!

Easily the worst bank I have ever experienced. From the app to what's offered and the customer service. I opened a checking account for the sole reason of having a bank that can do mobile check deposits as that has been the one thing Chime can't seem to do successfully in my experience. So the goal here was to get a bank that could process checks and then I would just send the funds to my primary bank. The only thing I liked after signing up for Capital One was how quickly my account was made/approved. It's all down hill from there unfortunately. At first it was unclear if they were going to send me a debit card, but a couple days later I was notified that it's in the mail. Of course no tracking number, but that is typical. This is where it starts to take a turn, they don't offer a virtual debit card while you wait forever for yours to arrive in the mail! They offer virtual credit cards, but not debit cards.. it makes no sense. The services offered by Capital One are so ridiculously basic; there is no ability to enable/disable a card or allow/disallow international transactions, and no chat support unlike Chime. The features are barebones. So I deposited my first check right away, and it was delayed from 1 business day to 7 which is a long time to wait. Upon trying to contact customer service I quickly realized that this "Eno" garbage "AI" cannot be used to reach a real person. Then I proceeded to call the support phone number and it is so difficult to reach a real person, it's maddening. The first two people I talked to literally hung up on me before solving my issue. Finally the 3rd person was able to give me some insight. I have yet to receive any sort of survey about how the conversation went, so Capital One clearly does not care. Now onto security, or lack there of. There is no real 2FA and no way to disable your card on your own. This is a problem. Additionally the process of activating a new card is extremely insecure, all they ask for is the cards expiration date which can easy be determined from when you opened that account. I was able to guess the expiration date days before the card actually arrived and I only did this in hopes of being able to activate a digital version of the card, which unfortunately is not offered. Also there are no security questions which is really bizarre for a bank. All things considered, this is a garbage bank with the most basic features, worst customer service and poor security. I would not recommend it to my worst enemy.

This is a review for the Tyler, Texas location. You can stand in line inside the bank forever but don’t expect any assistance or even acknowledgment. The employees are lazy and have a bad attitude. I finally gave up and used the ATM to deposit my checks. Do yourself a favor if this is the only location that you will use-find another bank!!

CÔMPTOÑHÜBS… WAS ONCE A VICTIM OF SCAM UNTIL I COME ACROSS THE NAME ON HEADLINE THEY PUT A SMILE ON MY FACE. THE TEAM ON MY HEADLINE GET MY FUNDS BACK

Terrible customer service impossible to talk to a real person and the people you do talk to know nothing after 3 transfers I still didn't get the information I needed

THIS IS FOR CAPITAL ONE IN GENERAL! I have been banking with Capital One for almost 3 years. I have filed several disputes with them since then. They always find in favor of the merchant no matter what the circumstances are. For instance, my husband and I did not stay in a hotel and cancelled the reservation within the refund time. I was still charged the full amount from the hotel. The hotel refused to work with me. I filed a dispute with Capital One. As usual, they favored the merchant. Then, I get an email a day ago stating that they were going to remove the temporary credit of $277.12 on 9/15. I called pleading with them to postpone the removal until 10/2. Now, they are going to leave me with a negative balance. They refused to help me. I am so tired of them and their refusing to help me. Why file a dispute? You never win. They are absolutely useless! DO NOT BANK HERE OR PRAY YOU NEVER HAVE TO FILE A DISPUTE ABOUT ANYTHING!

Evil is what they are. I told them my income was lower and they increase my APR. I ask them to lower it and they claim they can't they lie. Customer Service laughs on the phone. I wish I could have chose a different card company at first. Do not do business with them they're heartless.

Capital One deserve a BIG 0 Stars. Worse bank i had to deal with. Never giving an upgrade since Ive been with them for six years with more than excellent payment history. Don't do any business with them, you will regret it. Mines 0 stars.. Hope Capital One reads it.

They make account changes without any notification!!! They have changed ways to make your credit payment without any prior notification!!! Low rated bank with low customer service

applied for a capital one grant so i could keep the church grave yards tidy was tol not eligable so my advice dont apply only if your a elegal person who came here in the back of a lorry or a shop that just stands empty for years then thats fine

Can't log in / Cap1 doesn't like "my" phone 10,11,12,14 August to re-verify identity = can't see statement BUT I can phone and pay Did the best of complex hoops to re-verify "proof of identity" = Cap1 scanning equipment can't get a CLEAN document to the illiterate in west BF ... AND they lie now 16 days and still no paper statement LUCKY that nothing went past 3 weeks and $37.50 paid = CLOSED the account 28 August with NOTHING resolved Me thinks all this bs is for Cap1's minions to steal identity(ies) without hacking

The reward redemption rate VARIES, and is hidden. 100 miles = $1 on some, but = only $.80 for others, and only $.50 for most others. !!! So be careful how you redeem your miles because you may only get HALF of your value !! Capital One does NOT tell you this readily. The redemption rate SHOULD be clearly divulged on their website.

I would give them 0 stars if I could. Their customer service phone team is of the chart, u knowledgeable, rude, and it's seems like it's just pass it on to the next person. I was disconnected t times in a row after each time being on the phone for 1/2 an hour. I would recommend NOT getting a card with them, I will for sure never be dealing with this company again.

I wish I had seen their terrible reviews before signing up. Pls note that Capital One does not allow you to access information regarding transactions older than 1year on their app. After a lengthly call with supervisors and complaint managers I can confirm that should you require access to data of transactions older than 1yr you can only receive them by post...Not much use if you are away from home for an extended period as I am. So now I have to drive a 20hour round trip to access this data, with considerable cost and inconvenience...Truly disgusted Capital One customer!

ABSOLUTELY WORST CREDIT CARD COMPANY. DO NOT TRUST THEM!!!!

THE WORST BANK IN USA IS CAPITOLONE I ALWAYS PAY MY PAYMENT ON TIME.LAT MONTH I PAID MY PAYMENT ON TIME BUT THE CHARGED ME LATE FEE. I CALLED CAPITOLONE SPOKE WITH FEW SUPERVISOR AND THE DIDNT REMOVE THE LATE FEE. I CANT BELIVE IT 2620 ONE STAR REVIEW.

Ladrões!!! Quase me roubou meu último centavo, mas ajuda extra em caso de recuperação do auxílio perdido. Eles são realmente importantes

Worst customer experience I've had. Their customer service was terrible years ago, but I figured I would give them another try. No change. Anytime I call with questions or to resolve something, I get hung up on or interrupted, talked over, and not listened to. Will never use again.

Their customer service is horrible, and they invent new rules and restrictions as they go. There is no predicatbililty to your ability to use this card. If you want a reliable credit card that is not going to be more hassle than it is worth (and potentiually embarassing for you to use), Capital One is definitely NOT the card you want. I spoke with a manager, who (a) could not explain why I was having the problems that I was, and (b) refused to do anything about it OR put me on the phone with anyone who could fix the problem. I got the same old (bs) line that "there is no one else in the company who can help you." Thankfully, I have other options. If you are going to rely on this card to be your sole option or one of a just a few options for you to use, I would strongly encourage you to choose another card.

How do you give a half a star or a quarter star or 1/10 of a star? Because really that's what they deserve. Capital One used to be my favorite credit card over the last year or so whenever I've had to call them their phone system has been horrible horrible horrible. And the variety of reasons I had a call for either had to do with a certain charge on my card that I didn't recognize or a complaint about not being able to reach anybody on customer service which has been my biggest beef with them. I wonder how many other people I've had this problem. Whenever I call them and this again goes back at least over 1 year if not more their voice prompt system is the worst I've ever come across. It doesn't work it's that simple. The last three or four times I've called in the last 5 months or so It just darn right does not allow me to get through to them. I cannot reach a customer service rep for the life of me. This last time I called about 15 times I even searched out their fraud number and other numbers and they all seem to work the same, they don't. And just for you naysayers out there Yes I tried this on three different phones. The cell phone we use for our company, my associates cell phone and then of course my very own personal cell phone. All three are different cell phones and two are Android One was Apple. I would hope that somebody in the organization trust pilot where I'm writing this sends this out to Capital One. I would hope the Capital One would get this and submit it because this has pissed me off where I don't even want their account anymore. I'm about ready to throw in a towel and say screw you and your credit cards Yes we have several credit cards from them. Was almost going to open a bank acct with them. They are horrible horrible horrible stay far far far away from that. Gosh that pains me to say that because at one time they were the bomb they were the best. Credit cards are really making major changes and only keeping the big dollar organizations and individuals. I'll tell you why. The entire industry is going digital. You watch they are changing over everything over the next year or so there are going to be so many changes in our financial institution is going to split even more so the rich from the poor going to be a wider divide then you or anybody you know could have ever imagined. The banking institutions, the credit cards etc. That's why digital asset banking, anything built on the blockchain is going to help save this country, Mark my word You've heard it first on here. It's very sad but hey business has got to do what business has got to do right?! I wish someone would put this company out of business for their misery and for our sake. Thanks

I have 2 credit cards with Capital One and they've been fine. I opened up a Checking account because they're offering $350 for direct deposits by a certain date. Plus, it's always nice to have several checking accounts. I opened it up Wed...made my first deposit. Then the second a day later. I get an "unusual activity"email from them, and they'll suspend my account until I call. So, I call only to be told that because I'm transferring money from my Chase Business checking account that is not allowed. WHAT??? I said "well, that's where I make my money and it goes." The person on the other end said "we don't allow deposits from business accounts." Now, I HAVE TO WAIT 5 more days for THEM to "Process" my money to close the account, and they send me a check. WHAT????? Worst bank ever!!!

one star is too much...I had credit card with Capital one 30 years. Paid balances before due date in full..went to pay with credit card in Publix and was not approved. Called Citi Bank and was told I had a restriction on my account. Was online with Capital One being switched around put on long holds and came up with no explanation for the resiriction. A letter was finally sent many weeks later saying important information was missing but not what information. I have not changed any thing same person, same address same account. Cancelled account..Now they are sending me offers. NO WAY WOULD I EVER EVER DO BUSINESS WITH THEM.

Capital One keeps sending me frequently their marketing mails with credit card offers, despite me having already opted out of their marketing mails. Their very mails offer to opt-out, but they couldn't care less about my wish and continue sending me mail, which wastes energy, paper and my time. I tried to reach them by phone to ask them to stop, but their phone / voice menu system is a maze, which makes it in practice impossible to reach them without having to specify the SSN in the phone menu. What an irritating company! Doesn't care about customers or prospective customer or don't wannabe customers. Don't care about our planet. They just run their optimized and fully automated process. A kafkaesque monster.

Biggest jokers Capital One. All my other cards I have a credit limit of 9000 gbp+ and have a good credit rating of 900+ when I applied for this and Capital one gave me a credit limit of 200 gbp. Time wasters. Stay away, dint even bother to activate this card. This is what will happen when all less experienced and un professionals work here. Please don’t waste your time with these jokers.

Absolutely horrible banking system. They not only decide to hold money illegally they do not do what they advertise..As the $100 referral program is a lie. I have referred two people now who have been accepted by credit card yet they have never once paid me the $100. All in all Capital One is just another Scam

I wouldn't even give them 1 star, sure not after what they did. They took $25 4 times, then $28 6 to 8 times, charged me fees that were 100% their mistake only, then they close my accounts, and force me to contact the socal security administration along with the veterans affairs to change my direct deposit, so I won't have that all kept from me as well. Anyways contacted their customer support, that is pretty much a joke at this point all for help I didn't get, but we all know that isn't new.

Horrible experience. I applied for a credit card and was approved. I’ve been using this card for several months. Woke up this morning to my account being closed and a late phone bill. I called and at first they said I filed a fraud complaint and they didn’t receive the proper paperwork. No clue what fraud I filed..then I was told they sent me a letter that they needed more information for my account to stay open. I never got this letter sent by mail or email. I had no clue. They said they won’t reopen my account and to have a GREAT day. Horrible experience. Never again.

My granddaughter was a victim.of identity theft by her mother.her mother opened a capital one credit card in her name a d used it to purchase $1400.worth of goods.my granddaughter made a police report when she found out about the identity theft. And contacted capital one. The decided because my granddaughter lived at the same address as her mother that she was part of this.and refused to remove the charges and clear her credit. This is unconscionable and poor business. Even the police report had no effect on their decision. My granddaughter is being adversely affected by this theft and lack of responsibility on capital one part.

Identity Verification process, via phone, to dispute posted transaction on debit card one day earlier was absolutely gut wrenching! I get a call center representative that sounds (speak, background noise command of the English language) just like one of the SPAM CALLS I get 6-10 times per day. I verify upfront everything asked. Conversation starts. then more verification about address, card number, phone number. I asked, I thought we verified who I am? Obviously not. I hang up and call another number and it is exactly the same. Only this time I ask, “have you finished verifying my identity”? Response, “let me look at your account”. I said, dou you understand the question I am asking you??? Response, “ let me look at your account”. I hung up.

Updated Bill Payer is worse! You used to be able to show much more information, like a running tally of how much you were paying from each account, how much you had paid a particular biller each month, the ability to see when a bill would be paid, etc. Now it is virtually devoid of detailed information. Very disappointing!!

So I did a card transfer on experian a good few cards came up and it was on a small amount and capital 1 was offering me 7 months. So I filled it in put the amount to transfer and I was accepted and after I signed it . It was for £200 which for poor credit with no transfer rate. This should off been a soft search . Now I have some bad credit card on my file . I have cancelled the card. So be careful with doing a transfer credit card because they will let you do it but then still offer you a worse card but by then you have signed it.

More than 40 minutes on hold to replace a card, 20 minutes to get it processed, then disconnected. Started over on the process to be told 25 minutes later that because I'm traveling outside of the US, it will take 24 business days( 5 weeks) to get the card - 14 to produce card, 10 to mail it. There is no expedited mailing. However, it can be at my home address in 6 days. So...cards being mailed out of country are being produced somewhere that takes a week longer? Makes no sense! If I have to wait more than a month for my credit card while traveling, obviously I don't need to use it. I've received replacement cards overseas in 2 business days. That's the job of FedEx and DHL.

Bunch of liers and robbers! never refunded my security funds and lost the check they sent me they have 0 details about $2500 wjich they lost and no tracking number nothing, everytime you call they will kick you around like football amd make different story fronline, account manager, credit specialist nobody has any information for your concern and they DONOT CARE and forced you to close account since there is nobody who will help or even try to help. STAY AWAY ITS SCAM I REALIZED AFTER 3 YEARS WITH THEM!

Received my statement with due date payment being on the 23/08, I payed in full the statement amount on the 18( with the knowing it takes 2 days to clear) on the 19th Capital One already attempted to take the amount, than again on the 20th, I phoned in this morning, the person on the line, could not explain to me why Capital One is attempting to take money once it has been payed, and before the date of the direct debit, she said you need to pay 3 days before the due date ??? So I am suppose to know this from a crystal ball, as she could not point me to the payment terms and conditions, where it states that I need to pay 3 days before the due date, which does not even fit in with the direct debit date. And now I am left to deal with the overdraft problems they created , with no logic to these events at all. If you are not desperate for a credit card AVOID Capital One. They block the account as well with no reason.

I've been working for 6 months at the same job with the same amount of bi-weekly pay. I have been depositing my paycheck via mobile app into my checking for the past 6 months and yesterday on a Thursday, August 17th a business day. Upon doing so, I was informed that my funds wouldn't be available until August 23rd. I can understand if it was depositied on a weekend or into a savings account but it wasn't. I received this email... "After an in-depth review of the check deposit(s) you made on August 17, 2023 into your account, we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of $XXX.XX until August 23, 2023. Please note that you don't need to take any action. As long as the item(s) don't return, these funds will automatically become available on August 23, 2023. REALLY!!!?? I called 2 separate times to 2 different representatives and they told me to call back at 7pm to speak with a manager and that there was no gaurantee whether or not my funds would become available. This has happened to to me more than once. They are the worse. So frustrating.

Jennifer Garner does a wonderful job promoting the Capital One Card, However, I had to be an "A" customer spending well over $60,00 per year. However, in the last 3 years, I have had a suspicious charge to my account and they immediately want to declare "Fraud" and reissue a new card. Easy for them but I had to deal with 30+ recurring charges. They are all about convenience and ease of administration for them. American Express lists the questionable charge as "Disputed" and does not cancel your current card. BE AWARE OF CAPITAL ONE'S SELF SERVING APPROACH. WILL NEVER USE THEM AGAIN!!!! TERRIBLE COMPANY Pat H.

I just had the absolute WORST experience with Capital One Customer Service. All I needed was a Loan payout letter. The rep told me that she had to reach out to the right department to request it and that there are long hold times (about 30-40 minutes). So she proceeded to put me on hold for about 20-30 minutes. Came back and said sorry for the long hold. I asked if there is any way for them to email/call back or if she could just let them know to send the document to me when they can (I don't even have to have it right away, I just need to request it). She said no and put me on hold again. After 3 hours and 32 minutes, she came back on the line and said that the department closed at 5 pm and I would have to call back tomorrow. At this point, I am fuming... After waiting on hold for over 3 hours, I have to call back tomorrow? I asked for her manager and was placed on another hold. She came back eventually and said she had a manager who said "hello" and then the line disconnected. Not even lying when I say I think it may have been the same lady... I proceeded to call back and let loose on a poor guy who confirmed: Yes, that is how they do things... I even asked why they would be paying someone to sit on hold for 3 hours instead of just sending a request. Like seriously? That is why your holds are so long! How many reps are just twiddling their fingers waiting for the day to end because they can't put in a request?!? Anyway... I ended up speaking with his manager and she "does apologize" but there is nothing they can do other than tell me to call back tomorrow... How backward is that? And there is not even a complaint email or anything to send. They said they would "make a note" on my account about the process being unpleasant... I guess I will have more to complain about tomorrow when I get placed on hold again.

I had 360 checking account in Capital one bank. My account was closed by bank authority and check of my balance amount was dispatched to my company LLC address. It was not possible for me to clear the check as I was not in the USA. I am very grateful to bank help line representative specially Manager Mrs SONIYA and CAPITAL ONE SOCIAL MEDIA FACEBOOK TEAM to whom I had been remained in touch for last almost 20 days who filially managed to resolve my issue and bank agreed to transfer my amount to my external account. Very effective capital one social media face book team. THANK YOU VERY MUCH CAPITAL ONE BANK I AM OBLIGED OF YOU.

Ein Herr Michael Stielow offeriert den Kauf eines Fahrzeugs und will dies über eine CapitelOne Bank abwickeln. Dafür soll man die „Speditionskosten“ an die Firma „Mavis Transit“ überweisen…. Bloß nicht darauf eingehen, totaler Müll!!

Exaggerated interest rates. Bad customer service. They took 30 pounds out of interest after paying completely my CC with absurd excuses. 30 pounds on interest despite paying monthly 200 pounds and on top of everything over a credit of 1100 remaining that I paid completely 7 days before monthly statement.

Worst company ever. Avoid at all cost

I hate it that we cannot email them but instead get a person with a hard to understand foreign accent. Constant interest, so we never get ahead and I am going to probably surrender it or they will repossess it. I can’t talk to an fluent American speaking agent and I’m just done. Not doing as well as I did in the beginning finanacially so I’m just at their mercy.

I primarily use their cash back feature, and it is problematic/unethical. When I made a purchase (with documented screenshots), I was supposed to get a certain percent back. They did not honor this, & their customer support didn't even read my email. They just sent canned responses to me without looking at my documentation - very frustrating. Now I use Rakuten.

Outstanding service, great interest rates, amazing credit cards, and out-of-this-world customer service. They have my business for life!

This complaint is about the lack of training and information or the total platform of Capital One 360 checking account I do not advise anyone to deal with these people due to the fact that their verification process of the checking account is a nightmare when it comes to trying to transfer funds between the two accounts when one is already approved the banking system the other side which will be Capital One is still complaining and saying that your bank has not verified their Bank well this is a whole whole lot of waiting sitting back and this is ridiculous I really don't know when they started doing this process I have never had to go through this just to open a checking account but I was never a big fan of Capital One I do have other services with them but going through this I really decided that I think I should pay everything I have off with them and move on I never liked they practices of how they do things and how they s*** over people but my most biggest complaint is that customer service agent was dumb as a rat and did not even put in any effort to try to guide me or even get to a resolution with me to try to even keep the account it's like he didn't give a rat ass if you cancel the account or not I am so done with them I don't know what to do I'm just angry with the whole process of this company

Capital One is just a joke. Six years with them, two QuickSilver cards with low limits. I’ve made not more than excellent payment history with them but also suggested to friends which are in a better place I am with Capital One. They get best Perks, best upgrades etc. in six year they’ve increase my limit by $100 in six years. What an embarrassment!! Thankfully, I just got approved by Amex SkyMiles with a big limit. Love them! Representative at CapitalOne have been telling me the same thing for the past six years, no upgrades available. Check back in six months. Totally a joke. I also asked if my account isn’t legible, ever, for any upgrades. No answer. Shane on you! Shame on you CapitalOne. I will make sure no one will bank with you ever again. Accounts are planning to close once paid off. Hope CapitalOne reads this message. Nicola C.

✔ verified THEY CAN NEVER END THIS PLOT OF SCAMMING POEP;E OF THEIR HARD EARNED MONEY, WITH THEIR SCOPE, THIS IS INE OF THEM WEBSITES YOU WILL REGRET MAKING A CLICK. ✔ACTIFINTEL✔UNVEILED ME FROM THEIR DECIET

DO NOT WASTE YOUR HARD EARN MONEY HERE!!! CAPITAL ONE HAS BEEN LYING TO ME ALL THIS WHILE BEFORE ACTIFINTEL UNVEILED THEIR EVIL PLOT. RUN AWAY FROM THEM THEY DON'T HAVE ANYTHING TO OFFER

Absolute Worst Bank to deal with. Interest rate 3 times normal . Will not work with me to lower. Always pay on time and above minimum. But still charge 3 times normal interest . Absolutely do NOT trust Capital One bank.Rude people

Anyone looking to go credit card Avoid Capital one they share all your personal Information third parties without your Consent. Place people with disabilities Disadvantage by lying to them when Pre proved credit card then when you cancel application they pass your personal information third party without consent . Then you are harassed on phone calls Complaint will be put through chief executive I will be contacting head office chief Executive complaint head office If anyone gets Email saying you are Pre approved credit card Avoid Away of collecting information about you Then sharing it third party without your Consent .

not a great experience but a very very great experience

There's been unusual activity on your account(s) Sunday at 3:20 PM, they "noticed unusual activity on your account" and restricted my access/transactions. There's NO ONE to call on Sunday and they call themselves ONLINE banking. Absolutely disturbing

I was attempting to buy an iPhone and iPad at Apple Store in Chicago. Phone is being transferred over, so I can’t get texts. CC is declined, probably fraud alert, call Capital One, SHOULD be no big deal, right? Call on burner phone. Answer security questions. Need to scan both sides of drivers license via a link they text to burner phone. They get scans of ID, they now know it’s me. Answer more security questions, rep is getting testy about one I am not positive about (is account linked to Apple Pay - I say I’m unsure.) THE CAPITAL ONE REP SHUT OFF MY CREDIT CARD! I’m waiting 4 to 6 days for a new one, although they did offer for ME to pay $16 to expedite faster. I’m not shopping for a new credit card provider.

This company is brutal. Late even one day on your payment and they charge you $40. They're a predatory creditor. No humanity. Just make money on the backs of struggling folks. Even after they closed my account, they continued to charge interest and late fees. Is this legal?

I have had good service for the most part in my years of banking with Capital One, however today I found out that I am limited to receiving the cash amount that the ATM allows even though I have gone on the Capital One website and requesting a temporary increase. The increase does no good because it does not affect the limit on the ATM machine itself. This is completely unacceptable. I should have complete access to my money, not limited because I do not live anywhere near one of their handful of brick and mortar buildings.

I’ve had my capital one card for 5 years. Never had a late payment, and never really used it until this past year when I made a big purchase on Black Friday. I asked to increase my line of credit and instead they decreased my line of credit to my current balance, with no explanation or reasoning for the decrease. The only reason they provided to not give me the increase is because my average monthly payments have “been too low.” But that is false because I pay at least double my minimum payment every month (minimum payment is $30, I put $60-70 or sometimes $100.) I now am maxed out on a card that I have never maxed out. I will be closing my account with them soon as the trust is gone. This is not a good look & I deserve answers.

Been with cap one for over 20yrs never had a problem with them the last 3 months they keep adding purchase interest payments to my bill up to £40 over 3 months I have always paid my bill in full by the date on the bill. I was told that date is useless so why put the date on the bill,feel as if I am getting ripped off so I closed my account would never use them again.

Never again. Closed my account and wish never opened in first place. Low credit limit - high interest charges

One of the worst credit card companies. Wrong advertisement, Miscommunication to the customer. I applied Quicksilver credit card when i applied they mentioned Just $500 approved and when card arrived letter mentioned $300 credit limit. Again advertised $500 bonus if you spend $1000 in 3 months and when i did use, they mentioned am not eligible for bonus. such a repellent credit card company. all miscommunication and false advertisement. This credit card company should be investigated.

Worst customer service. They are so cheap with no benefits vs other competitors like Chase or AMEX. Their cards have no value Collect the point and downgrade your card immediately. They don't refund your annual fee.

I am compelled to give just one star. I would prefer to give -10 stars. Got scammed buying a camera on kickstater.com from AMKOV. I made the mistake of using my Capital One debit card instead of my Chase visa card. Filed a chargeback with Capital One on the 4th April 2023. I received absolutely no communication from Capital One whatsoever, and to make matters worse, they later went ahead and cancelled the chargeback. When I phoned to complain I spoke with staff in the Phillipines that aren't helpful. I was instructed to submit a second chargeback, but unfortunately, there has been a complete lack of communication and my request was ultimately denied. Told I hadn't provided documents when I had provided all the documents they asked for. Chase use secure online messages via chase.com, Capital One insist you use unsecure emails? I've explained multiple times this is not secure to their staff. Third chargeback also rejected with the same excuse that I didn't provide documents. This time I sent the documents twice and phoned and spoke with Capital One who confirmed they had received the documents they requested. The most useless and badly organized US bank I have had to deal with. Avoid Capital One and don't buy anything online. Because if you have problems the useless lazy staff won't help you. I lost $150 USD due to the incompetent staff at Capital One.

I applied for credit card a month ago, and I was asked through the link to provide some documents for verifications, which I did submitted online the next couple of days. I haven't heard from them the whole month, due to the emplotees neglegents and not even looking at the application. They did hard credit check anf effected my credit score. I just called now she said, Oh it could be the image you have sent were not clear! What??? You could have notified me. I've had credit card and car loan from them in the past. The images were clear as water.

Husband and I have a joint account. We received a check with both our names on it. They rejected the deposit because both are names weren't signed- valid, but they didn't tell me they rejected the deposit until I called the next day. I told them my husband would sign it and I could redeposit it and the rep said they'll reject it again because I need a new check. Absolutely ridiculous.

𝐵𝒶𝒹 𝒸𝑜𝓂𝓅𝒶𝓃𝓎!! 𝒩𝑜𝓉𝒽𝒾𝓃𝑔 𝓌𝑜𝓇𝓀𝑒𝒹 𝒶𝓈 𝑒𝓍𝓅𝑒𝒸𝓉𝑒𝒹.
𝒮𝑜 𝐼 𝒻𝒾𝓁𝑒𝒹 𝒶 𝒸𝑜𝓂𝓅𝓁𝒶𝒾𝓃𝓉 𝕘𝕝𝕠𝕓𝕒𝕝𝕣𝕖𝕗𝕦𝕟𝕕𝕤 ▪︎𝕆-𝕣-𝕘 w𝔦𝔱𝔥 𝔞𝔫𝔡 𝔤𝔬𝔱 𝔞 𝔭𝔞y𝔪𝔢𝔫𝔱 𝔰𝔬𝔩𝔲𝔱𝔦𝔬𝔫..

Dont trust, they are scamers

I cannot express how inept this company is, but I'll try. They are not just incompetent but appear to be totally useless and incapable of resolving the inherent issues they obviously have. I have had an ongoing issue with them for 3 months, I have been misinformed, misled and possibly lied to. In trying to resolve the issues I have had to make all the effort, all the phone calls, all the hours on hold, Capital one did not seem remotely interested in keeping their promises of getting back to me, of sorting the issues, of treating me as a valued customer who has always settled my balance in full every month, I have never incurred any debt or charges with them. They, frankly, treated me like something on the bottom of their shoe, giving me wrong information constantly, taking funds from me after repeated assurances that they wouldn't, instantly added charges to my account and then profuse apologies when I pointed these errors out to them, but still nothing was fixed. Eventually, and I mean after months and after I made 3 official complaints which were upheld things were fixed, or so I thought. On the 4/7/23 I received a phone text stating that I owed them. in excess of £3000, I don't, I cleared the account in May and have NEVER used my card again, in fact I cut it up, I contacted the complaints dept, again, to be reassurred again that the text was wrong and sent in error, they had no idea who sent it or why it was sent but not to worry as no attempt would be made to take any funds from my bank account. Needless to say I did not believe them and said as much. I stated that I was going to cancel the direct debit with my bank as I did believe what I was being told. The complaints dept told me over the phone on 4/7/23 that I would be contacted in 3 days with a response after they had investigated and that, again, they were very sorry this was happening, again. I also did not believe this as I had been fobbed off with this exact same excuse a number of times. Needless to say 11 days later and no contact, nothing, again. I contacted them by phone today and after another indeterminable period on hold was spoken to by someone who couldn't help me or explain why this was happening and unfortunately there was no one available at the complaints dept, again, and that I would be contacted on Monday. Of course I don't believe them. Capital One are not fit for purpose, anyone thinking of having dealings with them should think long and hard about it, their customer service is terrible, their systems are broken and they don't really don't appear to give a damn about their customers.

Absolutely fake Zdecydowanie jestem na NIE! i zdecydowanie nie jestem zadowolony, ani z rezultatu współpracy, jak i z zachowania menadżerów czy brokerów. Krzyki, pośpieszanie, obrażanie i ubliżanie w sytuacji kiedy chciałem ich zweryfikować, czy choć chwilę zastanowić się nad dalszymi krokami. Dziś już jestem mądrzejszy o doświadczenie z takimi jak oni, jak i po kontakcie z (6)967 - 184 [46] biiurem prawnych i mecenasami, którzy nie dość że ostrzegli mnie w porę, bym nie opłacał tych fikcyjnych płatności na potrzebę wypłaty środków z portfela, to dodatkowo przestrzegli mnie przed tym co jeszcze będzie się działo, gdyż capitalone otrzymali ode mnie fotkę z dokumentem tożsamości, ale tu już dzięki mecenasom czuję się dość bezpiecznie, bo również już wiem, że będę mógł się bronić w przyszłości przed komornikami. Tym samym, nie warto tam wpłacać pieniędzy do tej platformy, nie opłacajcie im żadnych podatków, wyrównań, ubezpieczeń czy kosztów udowodnienia że nie operujecie nielegalną gotówką, bo to fikcja, nie dajcie się nabrać na spreparowane dokumenty z komisji finansowych, że macie coś opłacać... za to warto skorzystać z pomocy prawników, żeby w urzędach brali was na poważanie.

I made a payment Feb. Mar. 21st they did a payment adjustment removing my payment from my CC. Charged me late fees etc. after 7 case files, dozen of phone call, and copies to show the payment cleared they still have not fixed their mistake. I paid off and closed my account. Today they sent case number 8 in for further investigation. Because there is NO bank everything is done over the phone with people who have NO authorization to correct anything. I do not recommend using them. Use a bank or Credit union where you can work with personnel face to face.

Absolutely the most crooked corrupt financial group on the planet. I have a card with 3000 limit, I over paid by 2000. They refuse to give me the 2000 back and they refuse to allow me to use it on my card. These guys have cost me a fortune with there backwards polices. Small claims for 10 g it is then. Wont be the first time I took a corrupt organization to court, (and won) likely wont be the last either.

My experience with CapitalOne's online shopping program has never turned out to be a help. I have tried using if for about a year, along with CNET, while shopping on Amazon. Each time CaptalOne has a banner pop up and I see what appears to be a good discount, if I go ahead and click on it to see the real deal, it looks nothing like the supposed deals in their ads. Every one has a price and then all the rest of the "discount" is in percentages and points that you get over time. I disactivated it a few months ago I was so frustrated. I used it for one rather large purchase and really saw a small savings in practicality. I saw another ad for it two days ago and it still shows a simple looking "their price" "our price" comparison - no money discount plus points towards an end check from them at some time or some such thing. If they would simplify their system and be really straightforward it would be fine. Also, they spend so much money on advertising how can they really give their "customers" a good deal???

Contacted them two weeks ago about a fraudulent transaction on my card - still haven’t resolved the transaction or even cancelled my card as a security measure. They are totally unconcerned. A disgrace

Recebi tanta dor desta empresa, mas felizmente recebi todo o meu dinheiro de volta depois de denunciá-lo a uma empresa no meu título de revisão

I tried to purchase medication I needed with the card I had made a payment on two days earlier. They declined the purchase because they hadnt posted the payment yet. Why would it take 2 days to post a payment? When I called to ask why I got Mr chirpy on a script who kept talking and telling me that now the charge would go through, never answering why they couldn't process payment in 48 hours, and completely unconcerned that they had delayed medication I need for 3 days.

Afrer approval, called to activate. 45 min on the phone and yet not activated. The agent would ask question then put me on hold and come back with next question and hold again for 45 min then I hung up with no activarion could not take this incompetant agent. Called again and was ok took 15 min and all activated. Then I called again to registered my account on mobile app and online account. It took another 40 min ànd all went good. Furthermore, I attempted to draw money was declined. Called for the 4th time and was told you have security issue and we need to deactivate and reactivate. After this I called customer service to complain about this then they hung up. Few minutes later, I recieved an email to verify me. I did. Called to check againif all went through, agent stated you need to download government ID. So I did again I recieved another email with survey, the survey is only by phone. Called again that phone number and they are closed. Time was at one pm. It took all my day, phone battery died. This is not a customer service this is hell services. I cut off the card. It is a spam and all what they want is your banking personal info and your government ID photo. Do not fall in this game.

I deposited money to get my credit card and then they turned around and said I never put a deposit and even when I proved it they still screwed me over. This company is a joke and customer service doesn't understand English and how to do their jobs. So now my credit gets hit cause someone can't do their job and I can't get ahold of someone competent.

I've applied for a credit card again to Capitol One. Yet again refused!!! Why, l have no idea. I have an average credit score. I own my own home with no mortgage. No other credit cards I have baked with the same bank since 2009. To say l N disappointed is an understatement. I was only wanting £100 in credit. Need l say any more. I applied on the 8/7/23.

Terrible customer service. Locked my card when out of town. No card for gas, toll, and lodging. I forgot to make a $29 payment on my $100 balance. (After late fee $25) Paid the balance and they still would not unlock card.

so many bad things. After applying for the savor card, they requested copies of some documents and gave me a link. Link did not work. tried many browsers, many devices many times. Called customer support, they cannot generate a new url. so - sent copies via snail mail. heard nothing for a month, called them. They said there was a problem with the copies. REALLY? You couldn't send me an email to tell me this? Make me call customer support? Eventually, I got them the photos. WooHoo! Approved. For a $500 limit. My FICO score is 839, and most of my other credit cards have limits >$50,000! I requested an increase. Declined. Wow!

I would've given them 0 stars if I could . Customer service is terrible. If you have a 360 acct dont plan on getting treated well. Got an alert asking if id tried to make a purchase for under $40, I returned the text as I was supposed to. I then was instructed to call to lift temporary restriction on my acct. I did and was told no choice but to get a new card AGAIN. I just got one 2 weeks ago for same situation wxcept it was several attempted transactions. I told them today if it happened again i would get a new card but i have no access to my account until i get the new card. The nearest branch is 2 hours away as they closed the one near me and I have no checks with the 360 acct. It normally takes 7 to 10 days to get a card from them even when they supposedly expedite it. During that time I have no access to my money. The one rep was laughing in tbe background with another rep , im assuming about me while i was explaining the situation. The first rep I spoke to got very sarcastic and said "So (my last name only,) you're trying to tell me you dont want a new card etc. His sarcasm and calling my by only my last name, along with his condescending attitude towards me didn't impress me. Ive had an acct here for 4 or 5 years and its always been the same rude customer service whenever you call.