Capital One
reviews and complaints

In April I paid $75.00 on my account on time. I was short $4.oo because I had not yet received my bill and did not want to be late. If you check your records you will find I have never missed a payment nor have I been late.

I received a phone call stating I owed $138.00. I was dismayed because I had not missed a payment. Told I had a late charge. This was untrue. I spoke with a man at a later date and explained what had happened and he indicated he would take care of it. I was unable to stay on the line and requested he call me back or e-mail me to let me know It was taken care of. No response.

I had various calls from Capitol One at inconvenient times as I am retired a sleep late so I hung up.. One time I requested a call from a supervisor and got no response again.

My April payment was $100.00 to compensate for the $4.00 I was sghort previously.

I am writing to say that I refuse to pay the first late fee as I was not late only short by $4.00.

Then my current bill arrived stating I owe $170.00. I am now irate and call again requesting a supervisor. This lady was quite nice but said she could not help me because my birthdate was incorrect and sent me to fraud and security. I was hung up on prior to speaking to anyone.

Then I called back and spoke with another representative and he tells me my birthdate is fine and indicated it may have been updated. Seems to me both these people were
putting me off. He did delete the last late charge of $39.00 but said I still had to pay the $170.00. He also indicated he was unable to take care of the first charge and was unable to put me in contact with someone who could take care of this.
Suggested I file a complaint which I am doing.

Of course, I am refusing to pay this amount because it is not justified. Part of that refusal is the first late charge of $39.00. I will pay $92.00 which is the amount I should be paying this month.

I am hoping this can be taken care of so things get back on the correct track. If not, I have other resources I will contact regarding your company.

My name is Patricia Cooley, date of birth is 5/19/41, Credit card number ends in 2776.. I would appreciate a phone call in regard to this. [protected]

I have been trying for almost a year to get disputed charges removed from my account. In May of 2020, I tried to order a pair of Ariat boots and shoes online. I put my credit card info in and got error message, oops something went wrong, try again. So I put in my info again and got the same error message so I closed the window out and moved on. Then, I got my statement showing two charges of $62.83 to a Reliablekind. What a surprise when I thought I had backed out of it. So here we are a year later and many phone calls later, I am still trying to get this resolved. Today I spoke with 6 different people, two who either hung up on me or their call was lost. And now, a year later, I am being told I need to provide documentation. I have no documentation. I never received anything from the merchant. Why am I just being told this now? You all are taking advantage of people by telling us to not pay on the disputed amount but yet you continue to charge late payments. SCAMMERS!

I called to pay my $30.00 on my bill in April for May, They took out $70.00 from Chase Bank. My case number is100004905887653. My bank stop the payment and then did a charge back. Capital One issued a temporary Credit. Visa sent the money to your company on 4/28. Your company states they don't have it. We provided the ARN# 24906411081116986169217. Please assist in this matter. Visa paid. Capital One states they do not have the money

I have been on calls since Monday almost 4 hours about a transaction that no one seems to be able to help with. My account was deducted twice for the same amount. I have been told to call back in 24 hours, 1-3 days, today a supervisor was supposed to call me by 5:30. I called at 5:28 and still hasn't been resolved. I have spoken to a "manager" every call and keep being told to call a different number.

I refinanced my car with Capital One in December of 2020. I have been making payments to Capital One since January 28th 2021 with an additional $300 per month going toward the principle. Fast forward to April 2021. I was in the process of selling my vehicle to Carvana, but they had to halt the sale due to Capital One never getting the lien switched over to their name from Nissan. I have contacted Capital One several times since April 6th, the day it was suppose to be sold asking what the hold up was with getting the lien switched over. The funniest one was when they told me they had to wait until the DMV contacted them to make the switch which made no sense. Another one told me that they sent the paperwork in on March 30th and to wait until May 11 to call back. I contacted the DMV on May 12th and was told they have no record. I called Capital One today May 13th and was told it was still being processed, but I had them check a little further and found that it still had not been sent out after all this time. I don't know what more I can do. This situation is ridiculous. I can't sale my vehicle until Capital One does what they were suppose to have done back in January. Capital One just keeps dropping and making excuses.

I received a letter from Betty T. The content was about the overpayment I had to claim, and if I didn't claim it by June 1 without any news, the amount would go back to California.
I called, but I had to wait for more than an hour, and the connected phone was being talked to by several people laughing and talking. Capital One NA of Richmond Bar, California, stated that it had money in its account from Capital One. I don't know what they're talking about. He says he hasn't been able to contact me since July 17, 2016.I was living at the same address. The phone number was the same I kept this phone number since 1998.

I was approved for a ppp loan through a non buissness lender and funded to my capital one account capital one decided they were going to freeze my funds and launch a investigation in to my funds they are not real upto date on sba ppp guidelines so now capital one is holding 279250.00 that I need badly hostage and saying the lender who approved my loan and SBA are wrong in approving my loan and capital one is saying I don't qualify capital one is fraudulently holding my funds according to sba and lawyer I will have to hire to sue them and get a court order to access my money unless they stole it

I had cancelled a hotel reservation that was initially charged to my Capital One credit card and did not receive the reimbursement . I contacted Capital One to see if the issue was on their end. The representative filed a dispute since it had been several weeks and the reimbursement had not been issued. She advised me that if the reimbursement was issued they would simply deduct the purchase adjustment they had put on my account. The hotel finally refunded my payment. Capital One then deducted the purchase adjustment TWICE! I called to have the issue corrected and after being on the phone for an hour the representative assured me they had credited my account and all is well the amount would show correctly in a few days. Two days later I check my account again and Capital One had not fixed the issue. In fact they had charged me AGAIN. I'm currently on hold again 30 minutes in to have this corrected once again. I will never use Capital One nor suggest it to anyone ever again. This is by far the worst experience I have encountered with a credit card company.

Your menu is awful. Not only the same 8 bars of a lousy song for 10-20-45 minutes, but the worst part is that the music is interrupted every 20 seconds or so with "we appreciate your call, we'll be be right with you".
You want to scream, yes I know! Shut up!

On the more serious side, their policies re returning a lost or damaged card to another country are horrible.
Can't deliver to a fedex office (what if you are with a friend in the outback that has no address? No mail delivery?) areas with no mail delivery are common in costa rica!

Also there is no fedex for 50 miles or more away! Why can't you use dhl or other services?

Furthermore when I finally did get them to send it to a friend in the usa instead, whereby he could send it to me by dhl, they got his address wrong... So bottom line:
It took me 8 hours of calls... And over 4 months of wrong addresses and etc to get my card! Horrible customer service for those of us who frequent foreign destinations!

Both my husband and me had Cap One credit cards - we used them during the pandemic to LIVE - Cap one gave us forbearance and then abruptly ended it saying our balances were too low? They then wanted "minimum" payments on both cards over 100.00 each - my husbands card balance was 3900.00 and mine is 2700.00 - I called and was told two different times that Cap One has no programs for hardship assistance yet on the website it says they will work with every customer to help them with hardship!
I have called every week to "check" to see if they have any open hardship plans like the customer service rep told me too - its week 4 and nothing!
I am done with Cap One - we will never get another credit card from them again! I will make small payments until I can get a consolidation loan or negotiate a lower payment - DO Not get Capital One credit cards!

Charged me $28 for late fee before the due date was over. Credit payments long after other companies. Predatory lender. Was a good company before they hooked up with walmart. The worst company on earth.. Cashing in on the pandemic every way they can. In my opinion the most heartless and greedy people. I hope amazon runs them out of business. Truly bottom feeders

- I overpaid my credit card $4322.34 in order to use the money online - they will not give
me access to the full funds - they are only allowing payment increments equal to my
credit limit of $300 - they will not allow access to any more funds until the most recent
payment posts "3-5 business days" - at this rate it would take potentially 72 days to
use/access my full funds - I was told I could overpay and use my money - Their website
says to "spend down the balance" but will only allow the above situation - unresolved
with customer service or account management - the full process of complaint resolution
all the way up to the OBSI would take upwards of 90 days - they have my money and
are holding it ransom arbitrarily

Capital one closed my account because it went negative one time and I was supposed to have overdraft protection on my account. Also I received a PPP loan that was funded from Fountainhead. It was my second draw application and they told me they were freezing my funds to investigate. I sent them all documents and approvals from the sba, womply and fountainhead and they still said it wasn't legit and it was suspicious for fraud and said they were sending my money back. All because it was a business loan that went into a personal account. According to the new SBA rules implemented by Biden, you do not need a business account if your are a small business or self employed. I need help because I deserve the funding that I was made aware that I was going to receive.

I've been a member of capital one for several years and all of a sudden they put restrictions on my credit cards. I called and spoke with several associates and supervisors regarding the restrictions placed on the cards, no one could tell me why the restrictions were placed, they only told me that I had to send in all my information so that they could remove it. (no reason for restrictions) I asked that they credit my account with my rewards and I would pay the balance and close the account but I was again told that nothing could be done until I sent them all my information (dr. License, ssc, bill, time I woke, sleep, [censored] and ate.) I thought capital one was a much better company than what i'm seeing, but I guess not. This has to be against the law for them to keep my money but request money from me and if I don't pay they damage my credit. I don't know what to do at this point.

Hi, my name is Eddie Thompson I have been a capital one customer over 25 years. In late February someone had removed money out of my account. I contact the bank I had to closed my old account and open a new 360 account. On March 17th my check from the IRS was deposited in my old checking account. I called the bank teller because I can see the $1400.00 dollars but I can't transfer the money into my new account. The teller stated I can see the money in your old account so let me see what I can do and put me on hold. The teller told me that he had transfer the money from my old account into my new account. On March 24th I checked my account and noticed that the $1400.00 dollars had been removed from my account. I called capital one and talked to the manager. The manger stated since my account was closed that money was sent back to the IRS. I explained to the manager at customer service that the fraud department at capital one told me that money couldn't go out of the account but the account can receive money. So manager told me that the money was sent back to IRS and the employee who did that made a mistake. I think as customer someone should've contacted me to let me what was going on, now my account is in a negative because I have bill payments automatically coming out of my account! Wow that was so unprofessional! Email: Eddie.[protected]@yahoo.com.

Situation:

Used website to find my full credit card #, because I destroyed my card by mistake and needed the number for a transaction. I followed the links to access my account number. Access required two step verification with my phone. I got an error message saying that my phone was not connected. It was. I called the number given under the error message. I was on a journey, then, 3 phone calls and over 50 minutes total with no resolution. The only solution was to use the app. Because my card was compromised twice through the use of an app, I insisted on the simple use of the website. I asked why does Capital One provide a feature if it does not work? That is misleading to the customer. I also wanted a new card. The only was I could do that, was again, to use the mobile app. My inquiry was not resolved and the reps were less than helpful. I'm sure it's not their fault. As a result, I closed my account.

Date of incident : 3/22/2021

What do I want? I want Capital One to give me a good reason to do business with them in the future and that would include customer friendly customer service solutions, delivering on what they offer online and transparency. If you are insisting that people are to use the mobile app then make that very clear; don't manipulate your customer while they are trying to resolve a situation while also being on hold "forever".

Today for the second time in the last three months the web says there is a problem and I have to call or get a text
In February my cell number changed from [protected] to [protected] so I could bit have them text
I called and spoke to a customer service repo and they said that they could not change the number because I was not the primary card holder... we went through this with my husband on Jan 23 and my name was suppose to be there to do everything as my husband does NON of the banking
I spent 26 minutes once again trying to get this resolved and still I cannot sign in to my account
I am so frustrated and would like this resolved
The Manager Yassine UDH7396 was not at all helpful
I hope that I will receive something for all of this time I have spent to have access to my online account

I can't give an account number because my card is inactive.
Margaret Doherty, 972 Claeven Cir, Fort Walton Beach FL 32547.
I called March 15th about a fraud charge. They canceled my card card and I was told they would rush a card. Now they are telling me it will take 9-10 days. This is unacceptable. I have many automatic payments that are paid with this card and now they all will be late and be bad for my credit. I did ask if they could give me the new account number or reactivate my former card but they informed me they can not. If I could have my new account information it would take care of my problems.
Normally I have good service with Capitol One, but now I will look for a new card.