Journey Student Rewards from Capital One Review

Knowing fully well that most of the hidden fees and charges were not discussed shows lack of transparency. Experiences like this are lessons. Now I'd rather just invest my funds and hope for the best. With "TreasureFunding" you don't have to hope for the best , you get the best.

Enough of the complaint here .Do yourself good and take your issue to the company as my name or you will wait forever on them

No joke at least once or twice a week every single week for the past year or two i'll get "You've been pre approved for this offer!" or "You've been pre selected for this offer!" mail from them. Most of the time i'll just trash it but some times if I think the offer sounds good i'll apply and guess what? Literally EVERY SINGLE TIME I do it i'm either straight up rejected or will get rejected and then get a "yeah no you can't get this card but you can have this bad one instead! Doesn't that sound great?!" message wanting me to apply yet again for something else that's garbage. I get it- i'm a broke bihh with bad credit who had a bad start in life and not worthy of those sweet sweet high spending limit low or no fees with endless perks credit cards but still why even bother wasting the paper, time, money, and effort sending me all of this junk mail if you're not even going to approve me? 🤷🏻‍♀️ Ain't gonna lie it kinda sucks because when I see them I get a little bit hopeful knowing that i'd have that extra financial help only for it to be crushed when i'm rejected. At least the other big companies either don't send you anything at all or only send what you can actually can be approved for, this fact alone makes me not want to deal with them once I get my finances in order because if they're that rude over just mail I can't imagine how bad they are when you're dealing with them one on one.

Been a clint for over 14 years. Did a balance transfer and called to cancel it the next day, as I got a better rate from another creditor. Capital one informed me that I would need to call back when it posts. I waited several days and called back and they refused to cancel the transfer. Closed both of my cards with them. This company is dishonest and stupid. Why loose a loyal customer over something so trivial. What does this say about this company when it comes to customer service? Abominable and unprofessional practices.

When we called for help we were hung up on 2 times, told they would call back and didn't, and I was put on hold another time and forgotten. We called back and were called liars about the situation in which they were quoting a different account and misrepresenting what are concern was.

The customer service are not professional at all. Also the hidden fees can as a surprise to me. Transparency is the key, and they are not. I switched to a more reliable one “Assêts Plûs” , getting the consistent returns as promised

Customer Service was so rude for no reason. I was super nice and trying to explain that there was someone's name and address on my application alert. She told me she couldn't see that and I offered to send a Screenshot of it's possible but she rejected my screenshot. And talked to me in a very unprofessional manner. I remember her name was Susan.

Capital One has engaged in dishonesty and immorality with its billing practices. Capital One refuses to refund a sky high billing charge after its agent promised it would be refunded and Capital one charges me almost 30% interest on that billing charge. Embedded in its terms and conditions are policies and clauses that allow Capital One the ability to FLEECE its customers. Also I informed Capital One I was on hard times and asked what programs they had to assist me and I was told by its agent that the only way I would be assisted was to become delinquent on the bill and take the credit hit. Yet I called and spoke to another agent who said they could help me and then the agent grew silent and refused to provide any info on how I could be assisted. I was also told by a Capital One agent that I agreed in the terms and conditions to forever waive my right to pay the principle down early with extra payments. The agent explained that Capital One does something called Associated Payments where nomatter how much you pay early they will never apply the excess payment to your principal. Ever. This is evil. Stay Away From Capital One if you don't want to be fleeced.

The Capital One company is a scam company. Many people have had their money stolen by Capital One and if you too have become a part of their scam, email us at /help/@fraud-protection(dot)me./ Our lawyers will contact you and help you get your money back. It is important to trust only reliable and truthful sources of help in such situations.

Capital One IS STUCK IN THE PAST I switched my bank to Capital One because they didn't charge fees. This was the biggest mistake! My previous bank had virtual cards, in case your card was lost or stolen, that you could use until your physical card was sent in the mail. Capital One does not have that for all customers yet. I had to wait OVER 10 DAYS, for my card to come. Also, they don't allow you to have multiple debt cards for your multiple checking accounts. Why would you only allow ONE card for multiple checking accounts. Obviously your customers have multiple checking accounts because they want to separate their funds...so it would make sense that I would need a card for each account. My last bank sent customers a card for each account you opened. Seriously, considering leaving Capital One already and it hasn't even been 2 weeks. I'd rather pay the monthly bank fees for the convenience than to stay banking with Capital One.

My husband had fraudulent charges on his card, called them up to dispute them, they refused and said they will 'open an investigation'. We never heard back from them then they threatened to send the balance to collections. Avoid this company at all costs. Bunch of scammers.

Garnetsprings took me out of the sily mess I experienced with this broker and regain my losses !!!!!!

Although they are very skilled at winning your trust, you won't ever see your money again if you give it to them. They can play around with the toy platform however they like. They only want your money when you deposit it, and when you have nothing left, they will make you lose it and then close your account. All of the credits and bonuses they offer are fake. If you already lost money to them, go to your bank. If less than six months have passed, they will look into it and freeze the money until they determine whether it was a scam and you can recover it. Send any messages, screenshots, or other evidence of the scam to them. Additionally, complain to the financial services, Fornax Forensics and they'll assist in getting your money back, as they did with mine.

I have 4 things to complain about.. 1) My auto loan was paid in full and it is still on my account active! .. 2) I can Not Pay my Credit Cards's on the app nor Website! It continuously tells me "We've hit a snag" to call the number. Now I'm inclined to pay the service fee! (Been going on for a week)! .. 3) I have 1 bad mark they put on my credit saying I was late, When I was NOT late, I changed payment date, called in and they said it would be taken care of, that was during the summer, here we are in November! It has caused my score to drop by 30 points, the bank said! ... 4) And Lastly, when you call in NO ONE Speaks English!!! Very Bad Language barrier, can't get them to understand anything!!

Denied a purchase which was embarrassing, then shut my card off thinking it was a fraudulent charge. Contacted them repeatedly to let them know it wasn’t fraud it was me, getting no where. We will contact you in 7-10 business days. In the mean time, can’t use my card. Worthless. Terrible customer service. No point.

I opened a Cap One checking account so I could have an ATM card while traveling overseas. I was locked out of my credit card account because I am unable to receive a text code to my overseas telephone number. I have had this problem since I moved overseas ten years ago and Capital One has done NOTHING in ten years to correct this problem. Consequently, I have not used my credit card in that time. The problem THIS time was that they would not unlock my ATM card which is attached to my checking account and so I was unable to access my own money. A supervisor told me that I could upload my ID and she would re-set my pin. This did not happen. When I called back and spoke to another supervisor, i was told that I was given erroneous information and that my pin would be mailed to me at my US address. This is utterly useless since I am not there and even if someone could open my mail and tell me the pin, this would take 7 - 10 business days. Instead, I am closing my account and I am finished with this so-called bank. Their reps are ignorant of their own policies and they do NOTHING to support customers when they are traveling abroad. Shameful service and ignorant employees.

Their customer service sucks, they are from India! They also refuse to help with dispute charges.

I closed my account on around this time last year i recieved a scammy check that i didnt even onow was a bad check to begin with after doin research after the case and they closed my account permanently bad bank to dwal with after being loyal for over 2yrs have ended my relationship only to one bad check like im a bad person i have never done anything wrong in my life i dis make that slight mistake but dont bank with them ever theyll bevome a serious issue if ur not careful!!!! Mistakes happen but we shouldnt be punished if we didnt mean gor it tk happen we are going thru seriius hardship and things can happen and nk phone call nothing at all just a closed account!!!! Im crying right now literally

What can I do? I have had a water treatment system for the last ten weeks. The system costs a lot of money but regardless of the cost, the thing does work because Crystal Quest refuses to send out replacement parts. Even now I showed capital one this fact they still awarded Crystal Quest with the dispute. WOW. I still don't understand. I wonder if it's because I'm disabled this makes me an easy mark.

I had no other choice at the moment than to transfer my finances to the website shown in my profile picture because I was losing money here.

I used my Capital One card for the card company support. I bought a reverse osmosis system from Chrytal Quest Water. I had it installed and the pump did not work for three weeks Crystal Quest refused to send out replacement parts I proved this with Capital One and I still lost the dispute. What are we supposed to do as consumers when a big company stands behind each other regardless? I should have used a Discover card.

I signed up to Trustpilot just for this review. I will give more reviews like this on other platforms. We opened an account a couple of weeks ago. We transferred a lot of money there to purchase a car. Turns out we cannot order a cashiers check, cannot do a wire transfer for I do not know how long. My debit card never arrived. I am SHOCKED this can be a bank. It costs us a ton of money because now we have to use a rental car for longer and likely will lose the car we had put on hold ($250 down the drain). Customer service is also not helpful. I will be transferring my money out of the account and close it ASAP. My trust with them is completely broken.

Opened up a 3 year CD for $200k for my 88 year old mother. She wanted the interest to go in her checking. Capital one put it back in her CD! Called and they say they cannot change it.! It's there fault and they are Arrogant scum. Have to file complaints against this evil company. Stay away from them! If they can do this to a elderly lady they can screw you also. Fornax Forensics were able to turn the situation around and I immediately washed my hands clean of Capital One.

My experience with Capital One has been extremely disappointing, to say the least. Despite consistently making timely payments, they abruptly closed my account without any prior warning or explanation. This lack of communication is simply unacceptable and has left me feeling frustrated and betrayed. To make matters worse, when I reached out to one of the representatives with ID# WEU624, who claimed to be the highest authority within the company, she displayed an alarming lack of empathy and understanding. It's unacceptable for a company representative, especially someone claiming to be in a position of power, to dismiss the concerns of their customers without attempting to assist or find a resolution. The way this situation has been handled has not only affected my relationship with Capital One, but it has also left me with doubts about their integrity and professionalism. I trusted this company with my financial matters, only to be let down when I needed support the most. I plan on sharing my negative experience with my family, friends, and anyone who will listen to ensure they avoid dealing with Capital One. It's disheartening to witness such disregard for their customers' satisfaction and well-being. I urge all associates and potential customers to steer clear of a shocking lack of empathy and understanding. the representative with ID# WEU624 seemed completely indifferent to my situation and failed to acknowledge how their actions have impacted me. Not only was the closure of my account unfair, but the customer service I received from Mosha was far from satisfactory. She arrogantly claimed to be the highest authority within Capital One and brushed off any possibility of helping me. It is astonishing that someone in such a position of authority could be so dismissive and unhelpful. The way I have been treated by Capital One has left a lasting negative impression on me. I can't help but feel that their supposed commitment to customer satisfaction is nothing more than empty rhetoric. This experience has made me question the integrity of the company as a whole. I am incredibly disappointed in how Capital One handles its customers. With their abrupt account closures and unhelpful customer service, I strongly advise my family, friends, and associates to steer clear of this company. There are plenty of other financial institutions that prioritize their customers and understand the value of communication and loyalty. I hope that my review helps others avoid the frustration and disappointment I have experienced with Capital One. It is truly disheartening to see a company that I once trusted fail so miserably in its obligation to provide fair business relationships

Account paid in full each month for 3 years. I’m traveling (with a zero balance) and my card is blocked. They want me to incur long distance charges and call them. So I canceled the card. I’ll take a little hit on my credit score for 2-3 months but worth it. Done.

They claim their venture card works seamlessly and one doesn’t need to call in to tell them where you’re traveling. However, literally the very first transaction doesn’t go through and then I am no longer at the rental car kiosk and I have to waste $20 on an international call to get it sorted out. They are absolutely stupid, and this happens every time I travel. Don’t believe them if you were thinking about signing up for this card. I’ve been to 60 countries and they cause nothing but brain damage when you’re traveling and using them.

I was hesitant applying for a card based on the reviews and I should have listened. I got approved right away and it said I had to wait 7-10 business days, sure no problem. I called in to see if I can use the card right away, it was a yes or no answer. They transferred me and after being on the phone for half an hour for “verification” questions, they’re now issuing me a new card because the info doesn’t match up. I went from waiting 7 days to a month now because they’re sending me a new card. It was a YES OR NO question as to if I can use it right away or not. Unbelievable. I’ve dealt with Canadian Tire, TD, MBNA with no issues in the past.

This review is for two Capital One credit cards only. I have had both the Capital One Platinum and Capital One Quicksilver Rewards card for more than 2 years now. For each card I was able to increase my credit line on a periodic basis about once every 6 months with good use. However, if there is ANY hiccups, Capital One will be sure to it against you and will not grant an increase. I would not recommend also banking with Capital One and to keep your financial institution banking for checking and saving entirely separate as I have personally seen over the years one too many times when access to Capital One bank accounts negatively impact credit card usage because their systems were down. If their systems are down, you would lose access to all accounts (checking, savings and credit cards…imagine the nightmare). That being said, if you have the ability to physically visit a Capital One cafe and pay your credit card bill there, I would highly recommend it. In doing so, my credit card is paid instantaneously and the credit line restored the next business day. Whereas if I pay via ACH debit, it takes anywhere between 2-3 business days and if there is a holiday, up to 7-10 business days to process which is just plain old ridiculous. I am giving Capital One credit cards an F rating/0 stars because they are nosy af. They will block me from making purchases such as trying to purchase a $15 meal from GrubHub which is incredibly unbelievable. I have to call in like a child and explain to their satisfaction why I’m making the purchase. Except…I kinda don’t explain, I’m older in my years guys…way past 40 y/o and boy I gotta tell you….this practice is super illegal. What I discovered from what the agents have said is that the address where I’m having my food delivered to doesn’t match the address on file with my credit card so it was flagged for suspicious activity. Okkkk I understand that. Now what’s next is me having to explain why and whose address it is. This is the part where I get raging upset. Why? Because it’s none of their dang business!!!! I always explain to them that I literally take every precaution imaginable with my card and if there is EVER any fraudulent use, I will know and report right away. If I am traveling and have food delivered to my location…none of their business!!! If I’m at my significant others home, if I’m at work, if I’m at the salon, wherever I am and want food delivered…it’s my gosh darn right and it’s none of their business!!!! I was appalled that they were even given the delivery address location…at the end of the day…I don’t care. But what I do care about is this, it’s such a low amount of money, I have used the food provider frequently in the past AND I’m never going to provide you an explanation of who/why/where I want food delivered to. That’s no5”t part of the criteria set forth in the credit card usage agreement…I know because I check along with a consumer attorney. To have wasted my time and to have to ask permission to use my card/demand they remove the restriction is sooooo appalling. They need to improve their “algorithm”on how it detects fraud but of course they don’t….because this has happened more than once. Ergo this review wherever and whenever I have time to post it anywhere I can warn others. Doing this to customers who have always paid on time is such an egregious abuse of authority. I know for a fact that others who have Capital One credit cards who travel frequently and order food sent to their location which isn’t their home address are not bothered by this. Chief among them are the many Instagram influencers who openly talk about it. So Capital One needs to stop somehow singling out certain customers like myself for dumb ish like this. It’s incredibly biased btw. Stop blocking access to my card just because your system “thinks” in error that there is fraud going on and stop making me have to call in and ask for permission to use my cards whose limits are well over $1k each for a $15 food purchase and provide explanations which are not required. Horrible way to treat customers who have been with you 2+ years. Shame on you Capital One! You better be listening and y’all need to DO BETTER!

I do not recommend Capital One. I have had Capital One for many many years. However, recently for the first time I lost my Capital One credit card so I went into the app and locked it. Then I called customer service to request a replacement card. However, I had recently changed my name legally and how to requested that my new card reflect my new legal name. They said I would need to upload some documents such as my driver's license to make that change and then a new card with my new name would be sent out to me in 5 to 7 business days. That was 4 months ago. For 4 months. I have been calling Capital One customer service and speaking mostly with people who don't understand English well or don't speak English very well and I have been begging and pleading for them to fix whatever issue they're having. Every time they tell me they cannot accept my uploaded documents but never give a reason why or sometimes they tell me the reason why is because they need the front and back. Even though I sent the front and back of my driver's license more than 30 times I have uploaded it and still they reject it every single time. Not only that they give me a different case number each time. So when I have to call back the next week nobody knows what's going on because they won't keep the same case number every time I get a new one and no one can track what I've been having to deal with for the last 4 months. So I decided to mail in certified mail to Capital One. Certified mail works like this: so you send something via mail via post office and it only gets delivered if someone at that location signs for it and guess what? Someone at Capital One signed for my mail saying that they received the letter that I sent them but guess what customer service doesn't know where that went. Even though someone at their own company, someone at Capital One, an employee of Capital One sign for it saying I received it. But yet nobody knows where it went. And also last week I faxed it. They don't know where that went either. and they are so rude on the phone and they're like ma'am ma'am ma'am we have to verify your name and order to send you a new card and to make a name change on your account and you need to do this and this and I tell them no ma'am I've done this 5000 times for the past 4 months. I'm late to work because I'm on the phone for an hour with them. Every week I work two jobs. I don't have time to call them every single day and sit on the phone for 2 hours. Besides then they transfer me to the fraud department fraud departments like we can't help you. We have nothing to do with this then they they send me to the technical support department and even the technical support department verified because they could see the documents. I have uploaded 5 million times and they said there's nothing wrong with these documents. These documents are clear, legible, good lighting they're like. We don't know why these customer service people are not verifying these documents or not. Acknowledging that you've uploaded the correct documents and just fix the issues for you. They said we don't understand what their problem is so no one will help me. I've been transferred to supervisors to every department. Nobody wants to fix the issue. Nobody at Capital One wants to take accountability for their screw-ups instead. They're blaming me and saying that it's my fault even though technical support verify the documents because they could see the documents I uploaded. Technical support department verified that I'm doing everything correctly. I've uploaded all the correct documents and it's not my issue. It's Capital one's issue and even the fraud department said we don't have an issue. There's no fraudulent activity flagged on your account so all of this falls on the customer support people and the people who are supposed to verify the documents and they should lose their jobs. And furthermore they refuse to give me any access to anyone higher or anyone at corporate or anyone with half of a brain cell or can do their job correctly. As soon as I pay off my credit card I'm closing my account with Capital One and I will warn every single person that I talk to you not to bank with these people because their customer service is crazy. I spent so much time and money over the past 4 months trying to send them all my documents and they are just rejecting them for no reason and they refuse to take accountability for the fact that it's their fault while this is not being fixed

Worst service ever!

Cardholders BEWARE: We were victims of a cybercrime and Capital One DID NOTHING!

Where do I start? Well the most recent is the payment not reaching your department. then getting a double bill with a late charge. My online account has been screwed up for years now so I have to mail in my payments. I like to pay early so I was paying directly to their P.O. box. I make sure to pay early and never miss payments. Now I get double charges late fee charges. Making my experience with Capitol One Not good. customer support is a joke to. Get someone that can speak understandable English.

They are first applying after they want it too much papers and your bank statements which one is not comfortable for me I don’t want to send nobody for my statements and for this day closing your account and put three inquiries in your credit

You have to call...for...everything. I think the experience I am about to tell you epitomizes the essence of this companies failure in terms of customer support (and this is only one of many issues). I have their premier travel card. They guarantee they will price match. The catch... You must call them everytime. Well, if you're traveling how the hell can you even call them? I'm lucky I have a global sim, but the connection from China is awful and I couldn't get through. Time is ticking to get my "guaranteed price match" - what hassle for a perk. If you try to find any way to write an email, chat or even send a letter there is nothing available. This company is at the lowest of low for customer support. You must call for everything ! Here's a bonus complaint: the price match is fundamentally flawed. I booked a hotel and then called to price match. They said they couldn't price match because they need to verify in the moment that there is a better price. I told them I booked the last remaining room (after confirming it directly with the hotel). They said that's too bad and I would have to cancel that reservation. However, catch 22, they won't price match until after you book the reservation. Don't get me started on how they make you pay extra for refundable bookings (whereas almost every other website offers it as part of the booking).

Idiotic. Every time I travel overseas I call them and tell them I am traveling overseas and the dates and countries I will be in and do not cause any issues with my card. I am always told that my card won’t have any issues and I don’t need to call in. Then literally the next day the very first day of travel my charge for my rental car doesn’t go through. Just moronic. Because of all the brain damage they cause it’s almost better for me to accept the 3% international transaction free from American Express so I don’t have to deal with Capital One’s brain damage when I travel.

Payer plus que le paiement minimum et annule la carte sans préavis, le service à la cliente ne son pas compréhensible de certaine situation

SCAM, this app is a total scam. I tried to do the FREE 3-day trial, but it billed me immediately for a lifetime membership. That was not what I signed up for. I tried to cancel and was told I could not since it was a lifetime membership. I tried to get my credit card co to reverse the charge. Capital One told me they could not tell where I tried to cancel and therefore could not refund the charge. My only last question would be Is Capital One getting a kickback from them for all such obvious fraud?

I've really appreciated Capital One banking/checking accounts. Their 360 Checking is free, give you interest, and allows you to get direct deposit early. It's been really helpful during this expensive time.

I was in a car accident on 10/8 which resulted in a total loss. My insurance company spoke with capital one on the 10/13 to discuss the amount owed for the rest of the payments. A check of 7,128.99 was sent on the 10/16 processed on 10/23 which brought my account to zero balance. On 11/ 2 Captial one reversed payment from the insurance company in the amount of 7,128.99. I spoke with 3 different people telling me 3 different situations. One claim that my 10/20 was returned which was not true spoke with my bank and they have no documentation of that being payment being returned, they suggest I keep making my car payments to keep my account current. The other guy stated as long as the payment did not go back to my insurance company, I have no worries. My account was at zero sir and now my account is more that 7,128,99. They hung up on me several times. I have contacted a lawyer to see if this is even legal for them to do.

This is the worst credit card. They are thieves. I made the payment today in cash and the payment I made today in the morning is not reflected in my account. I am looking at my app with helplessness and it is not the first time. They are thieves. They canceled all my accounts. the worst bank I do not recommend it at all

Never use this company. 30% APR, this company is set-up to trap you into never ending debt and then r*** you at your weakest. $40 late fees if you miss a payment with no exceptions. Customer service will not work with you at all, they will belittle you at times of financial hardship and expect to be treated like a dog because you had the misfortune of borrowing money during a time of need. I brought in a legal team to absolve me of this debt as soon as I possibly could. I had the misfortune of interacting with a supervisor, Alex, employee ID # FVU934 in Florida who showed no mercy when attempting a simple request of a reimbursement of a late fee since I was drowning in debt at the time and really struggling. These big credit companies are relentless and designed to profit off your hardships. The ruthless culture is top down, and I've experienced that first hand. Seek counsel from other companies to help you settle debt with Capital One as soon as possible if you find yourself in a situation similar to mine as this company will not work with you under any circumstance. Lesson learned for me, never again. You've been warned.

Awful customer service. You will NOT be able to get anyone on the phone. Multiple times I have called and waited on hold for 20-30 minutes, and then the line disconnect. They will bounce you from person to person claiming the next person will take care of your issue (but they don't). Okay card if you never have issues, if you do. Prepare to enter the hell that is their customer "service" call lines.

I read the part that said I would not be charged for a hard hit on my credit scores. That was whether or not you were approved. So I applied for a credit card. I was given a 97% chance that I was going to be accepted. Well guess what! They denied me the card. Now I can handle that but within 15 minutes I was charged a hard hit on my credit score. I immediately called Capital and I was told that I had to fill out a dispute form with Experian. I told them it just happened and they said it didn’t matter even after I read the part to them where it said your credit score wouldn’t be hit with a hard pull. So I immediately called Experian and was told I had to fill out a dispute form. I told them the same thing I told Capital and they said it didn’t matter if it happened 5 minutes ago or 5 days. This is bull. So now I am stuck with a hard hit from Capital on my credit score. BEWARE OF THEM. I have called them numerous times about this and customer service is rude. I just gave up and the hard pull is still there. I tried numerous times to write a review and this is the first place that I was actually able to have it posted. As of now on this site it won’t let me post the date that this actually happened. The date that is there is not correct.

I filed for bankruptcy in mid 2018. I was advised by a business associate that Capital One helps rebuild your credit. They do however, then they tear it down. THE GOOD STUFF: My credit score did go up past 710 with this credit card. After many years of poor credit, I was elated to be in such good standing. I had excellent payment history with not only this card, but other revolving loans. My credit limit was increased by Cap1 three times up to $4000. That in itself validates my relationship that I HAD with this institution. I paid off two vacations. I loved this card. THE BAD STUFF: By late 2022 I had been an excellent customer for 4 years. Unfortunately, I had to take unpaid medical leave for a few months. Being the excellent customer I was, I requested an extension. I was enrolled in the financial hardship program in December of 2022. I asked the representative that approved the extension, "Will this affect my credit score?" I was told, "No It wouldn't be reported to the credit bureaus because it was a financial hardship program." Fast forward to January 2023, I get a notice in the mail that another credit card, ALSO with excellent payment history had been closed due to recent credit score changes. Upon review of my Experian report, low and behold Cap1 reported late payments, damaging my credit score. Adding insult to injury, causing OTHER creditors to see me as a financial risk. Ultimately, my total available credit decreased, and my usage percentage increased. Key factor in credit scoring. Of course, I called, and they had no idea why I was told it wouldn't affect my credit. They would do nothing for me. I was instructed to call the credit bureaus and file disputes however, there was no guarantee the late payments would be removed as they were, technically late. I requested, given the excellent relationship, if they could they at least lower the APR from 29%. They refused that as well. Excellent way to treat an excellent customer in bad health and a financial crisis. The remainder of the extension finished, and I call again to see what was available as I was now back to work however, the payments now due were double. THEN they offered to lower my APR to 9.9 for 8 months with payments of $80 a month. It took financial crisis and becoming severely behind for them to be concerned. What prompted me to call again was, after looking at recent payments the interest charge INCREASED the following month although the balance DECREASED upon payment. The rep couldn't even understand what I was saying about APR calculations. She just continued to throw numbers at me in an attempt to confuse me. Even after I explained to her I worked for Bank of America and Chase card services in the past, I know how this works. This is the biggest problem with outsourcing financial customer service with scripted replies and communication barriers. Mistakes will be inevitable. I will have this card paid off, will close, and will never use them again. And if anyone asks, I will advise not a good idea for long term. Just use it to bump your credit score and then cut it up. It seems the longer you are a customer, the more interest they get from you and the better payment history you have, the worse they will treat you.

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Being handicapped with 75% of vision lost I asked for an accommodation for their secured access process like is possible with any bank or credit company. Have been asking that for months now, calling several times about it and them promising t arrange it but they never take care of it so make my access to money and accounts impossible. This despite that I have been a reliable customer with them for years.

Dont recommended them Modern scam

Great if you make over 50K a year and have no debt and a 750 credit score. Not so great if unforeseen life events take place, you need more time to make payments, you run any balance whatsoever because god forbid and they never raise your credit limit. My favorite part of capital one seems to be they have a whole company full of employees who are waiting for you to miss a payment so they can report ya.. oh you caught up that payment of $130.00? Where are you now capital one? WHY HAVE YOU NOT REPORTED THAT I PAID YOU?!?!? I’m going to stop there before I start Cussing.

I recently experienced some frustration with CapitalOne Bank after depositing a $2,000 check from a reliable state entity. Despite the check's credibility, there was an unexpected delay in the funds being available in my account. The deposit was made at 1:00 pm on a Tuesday, but I was informed that the funds wouldn't be accessible until the following Monday – a full six days later. This delay was attributed to my account's new status at CapitalOne, even though the check had already been cleared according to the branch manager at Wells Fargo, where the check originated. As a new customer, this experience has been quite disheartening, especially when compared to my previous banking experiences with Chase, which were significantly more positive. Despite my efforts in speaking with managers, escalating the issue, and filing a complaint, the situation remains unresolved. This experience has left me questioning my decision to switch to CapitalOne and hesitant to recommend their services.

I just paid off a $28,000 auto loan from Capitol One. Got a Capitol One Mastercard and they only gave me a $300 limit. Had an emergency and used the $300 limit immediately. But, paid back $210 the following week...waaayyyy b4 the 1st payment is do. But, they restricted my card, until it clears the bank ( $210 payment ) that was taken out of my bank 4 days ago. As if the interest rates aren't bad enough on these things. But, overall it's the " NO TRUST " in me that makes my blood boil!!!

Don’t use illegal company fees and they broke down your credit score for 7 days late payment also huge amount of late payment 😡😡😡if in the Uk still exist institutions able to check such companies who does whatever they want with their customers , they are doing illegal trough their customers!!!!

Just don't...I was hurt several years ago, tried to have card shut down to no avail...they will destroy your credit if things go south...just dont...I finally broke down and paid the bill...all yearly interest and still the "customer service" wasted my time, no answers, no closure...just a waste of my time

Alot of errors using the app. Still not fixed

I've been super satisfied with Capital One. I have a CD with them and a savings account and they both pay excellent interest. Much more than my previous bank. I have the Capital One Venture X card and it has so many great benefits such as the airport lounge, travel credits, and I really scored a great deal on their recent travel sale. I hope they offer it again. My only complaint is that I wish they had a local branch. All business I do with them is only online and I wish I can go in and speak with someone.

I had the card for about 2 months, filed for bankruptcy. Without notice they canceled my card and said once it's discharged I will get my security deposit back minus the balance. Will never use them again. They sent so much spam mail it's ridiculous

They have provided a fake investing platform. It is evident that the platform has brought in some money. But as soon as you make an effort to leave, we deliberately fall short. This company is dishonest when it comes to withdrawals. Not the best location for trading and investing. I now regret not following my friends' advice to invest with the more respected and experienced platform "calmo" shub. They offer the best internet service at the moment.

I received the following email shortly after midnight from Capital 1 "security" department after I deposited a cashiers check from another bank (from my account) into MY capital one account. "Dear xxx , After an in-depth review of the check deposit(s) you made on 10/18/2023 into your account ending in xxxx, we believe there is 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 $xxxxxx until 10/25/2023." Sooo, money (cashiers check) from another bank account in my name going into MY capital one account gets put on hold for a week based on "confidential information" that I may not pay myself the funds I just deposited. Should a bank that spews such idiocy hold anyones money at all???? Shame on capitol one!

Don’t use this bank! I’ve had it for two months and for the second time they have frozen my over $4000 balance “for security reasons”. So I have over $4k that I can’t touch while my bill continue to charge me late fees. I would never, ever use Capital One for banking. Consider yourselves warned.

Je n’ai plus accès à mon compte et je n’ai rien changé, alors j’essaie d’écrire mot de passe perdu, on me demande des infos et ça dit qu’ils me connaissent pas, j’appelle au service eux me donnent un mot de passe temporaire ça ne fonctionne toujours pas. Alors ils ne disent qu’ils ne peuvent rien faire d’essayer dans 3 jours alors je demande c’est quoi vous allez faire dans 3 jours et ils disent qu’ils m’ont assez donné de temps! Non professionnel et impossible d’avoir D’aide!

Completely dishonest credit card company. They put a fraud alert on my card when there was no fraud perpetrated, all purchase were mine. They refused to remove the fraud alert until I provided a photo ID which I didn't have to provide when I opened the account. I am not giving any company more information to loose when they are hacked only to receive a lame apology stating we lost all your information to hackers. Now they are keeping my $20.20 which I have in credit due to a refund to the account from United Airlines. Seems Capitol One is stealing my money if they will not refund my money. Steer clear of Capitol One.

Worst customer service ever! They read from a script and do not help you. They lie and hold your money for no reason. Then I get told it will be available to spend at 4pm. What the heck is that all about. I submitted a complaint to the better business bureau. Everyone else should too. Maybe then they will be a better bank and re-train for proper customer service.

Been with this dreadful company less than 7 days... 1. They have my name spelt wrong. They could, according to their agent, change my name by 3 letters. So I gave them the 3 letters to correct it, they refused! 2. despite several attempts to active the card online, they wouldn't until I called in. Why offer a Service if you can't provide a service 3. I tried to do 2 balance transfers but you have to active the card and reapply... so what is the point of the original request... They seem to love to be unsupportive and purposeless...

I was recently approved for a new credit line increase by three other banks, Discover, Chase and Citi because I have excellent credit. I tried to get a new increase with my Capital One Quicksilver and was denied, due to not enough activity. Makes me want to cancel all Capital one accounts. What does CapitalOne know, how and when I want to spend my credit availability? I might wanted to do a large purchase?! It just doesn't make sense to me. I have been with this bank for over 10 years.

I called up capital one to discuss my account and I was advised by the agent on the phone that my account is up to date. The information that I was advised was wrong and I’m now being told I have to pay 400 when my limit is only 200 and this is because I was given the wrong information by the capital one advisor on the phone. I have requested the call transcript and once I have received it I will share it on here so everyone can see the level of service that has been provided by capital one. I will also be sending it to the financial ombudsman and making an official complaint with them. Discussing service and embarrassing

Customer service is garbage, their complaints team and management service are absolute garbage.

I ve been with capital one since 2022 I not no Credit increase If you are thinking go a capital one, don't do it very bad company to go with

I've had Capital One for over 5 years. To me they are the best credit card in the business. So I can only say I've had great experience and great customer service contact. Not sure why they're getting so many bad reviews. But for me and my family they have been the best.

I have been treated like complete garbage, I am expected to fix the multiple problems that customer service caused, and I don't even have a card because the agent canceled my card. I have checked my credit report and since dealing with him "seth" there have been 4 different loan applications on my credit report, thankfully I had already spoken with the credit bureau.

Great banking interest rate, that is to say once they actually deposit your money… In other words, they float your money to make interest off of it… They’ll tell you up to three days to deposit your funds when it’s actually five!

I ordered an item online and what I received didn't match the description. The seller refused to give me the refund I was entitled to so I disputed the transaction with crapital one. They decided not to do anything about it because my request "lacks all of the previously requested information needed to validate your dispute" even though I did provide all of the requested information.

I've been trying to call Capitol One customer service for 3 weeks!!!! It just rings and rings,then silence.... I'm trying to settle up my credit card, and the automated system in my app just sends me to customer service. Any ideas?????

they will hold your money that you have paid to them longer than what is allowed and will lie to you about why they are holding your money. wether you make the payment ontime or not they will then try to fool you into believing that you are in the wrong and its simply standard in their security policy to hold your money that you paid on your own account,

Would not forgive an annual fee on my card within a week of renewal.

Capital One is the worst! Over two months ago my replacement credit card never arrived, so when they sent an email to verify its arrival I responded that it hadn’t. The next I heard from them was an early morning phone call; to my wife, not me the actual account owner, who then told them to call me. Well, they then told me that over $2000 was charged to my account and asked me to prove who I was to rectify the issue. They asked for a government issued id with a picture, social security card and proof of residence. I was sent a link to send the documents to which I immediately did. Next morning another call saying they couldn’t read some of the docs so I sent them all again. Now two months later another early morning call to my wife from Capital One who once again asked why call her and not me. Another call ten minutes later to me this time telling me that fraudulent charges were made on my card and I needed to verify who I was again to prove that I hadn’t made those purchases. They would not even tell me where, when, or the extent of the charges made tellingly me they couldn’t tell me. I explained to the representative, who I could barely understand cause her accent was so thick ( calling me from Columbia South America, I live in the USA by the way ) that all this had been done already two months ago with all the requested documentation already sent to them. However, I was told that I needed to send them again. No reason why or explanation was given and that “they” couldn’t answer any of My questions without the documentation. Once again I sent them all the requested documents to their “secure” fraud investigation site. Today my wife got called again instead of me and told them to call me. When they eventually called me ( again someone I could barely understand) I was told that I needed to resend some of the documents because they couldn’t read them ( perhaps if they had representatives from the USA they might be understandable and could read documents in English! ). I have to add at this point that I have high end equipment and all of the documentation I have sent are 100% perfectly clear and easy enough for my three year old grandson to read. Of course the exact same documentation they said they could not read this time had been received by them two months ago and verified by me ( I called Capital One’s fraud division) that they had gotten them and were all acceptable. So here I am, two months later exactly where I started off. Lost card, no replacement, and fraudulent charges to my account. To say that Capital One is INCOMPETENT is an understatement! If I could afford it, I’d take out a full page newspaper add in The NY Times to let the world know how bad Capital One is. PS: I had some fraudulent activity on my Amex card years ago and it was immediately resolved with one 15 minute phone call and a replacement card was mailed and received within three days of the phone call. This Capital One account was only opened as a completely independent account to write checks and to receive government issued payments.

Never will I bank through them again. Had a credit card through them for a few years never late on a payment went to use my card today to find out my account was closed for no reason. I called and they said we don’t know why it got closed and we can’t reopen it.

Never, and I mean NEVER open an account with this bank. I have been with them for over 20 years and today they refused me access to a cash withdrawal. Yes I had the money. No my account isn't locked. And no, I wasn't rude in any way until the very end. I drove over an hour to make a cash purchase for my business that exceeded my daily ATM limit. The details are in my BBB complaint, but briefly, the teller and her manager at a particular branch just decided my current mississippi real ID drivers license wasn't a valid form of ID. This after being made to verify every bit of peraonal information (full name, address, last 4 of SSN, phone number) AND putting my debit card into the reader and entering my PIN, and showing a state issued firearms permit and a federal TWIC card. I was rudely dismissed with no access to my money. Drove 20 minutes out of my way to another branch and left with my cash in 5 minutes. Did this occur because I was a middle-aged white male in a New Orleans branch with all black employees? Well, flip that scenario and tell me the reign of terror that would be being brought down on that bank!! It was pretty obvious to me what was going on by the way I was treated. Needless to say, I am the time consuming process of closing my accounts and switching to a local credit union.

I WAS a Capital One cardholder for a few years. After realizing that all of my monthly payments were going towards interest I immediately closed the account and paid off the remaining balance of $2976 to bring the balance to $0 on a closed account effectively ending the customer/ business relationship between Capital One & myself. Well, after checking my credit report seems Capital One still wants to charge me interest claiming it's "residual" interest. Best believe I will not be doing any type of business with Capital One again!!!!

The worst experience from the Manila team and management. My treatment as a customer has been horrible over 2 weeks. I am travelling and they up graded my card but refused to courier the new card to my hotel but cut off my blue card leaving stranded and it’s been emotional and financially devastating. Started on September 17 continuing

They exist to make your life miserable. All of your management in charge of training and quality control need to be fired and your entire company should attend moral and ethics courses.

Those people are still sending spam letters to my address!

No chat, no email, no secure message service, and no one answers the phone. The Capital One Direct representative on twitter was condescending and useless. Here is our conversation on Twitter... I was on hold for 22 minutes when I called the number they gave me. Is someone in charge who I can call directly who will answer the phone? What is their phone number? Tue 6:58 PM We know waiting isn't ideal, but we don't have a direct number that will bypass other customers waiting in queue for assistance also. ^TD Tue 7:00 PM "bypass other customers waiting in queue for assistance" The 'ol guilt trip. As if I'm being unreasonable for expecting customer service to answer the phone within 22 minutes. They said wait times were 10 minutes, and I waited 22 minutes. I'm not being unreasonable or selfish at all. Tue 7:11 PM

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!