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4.3 5156 Reviews

Capital One Complaints Summary

173 Resolved
849 Unresolved
Our verdict: With Capital One's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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J
11:26 pm EST
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Capital One tv-commercial

Dear Gentlemen,
Your commercials featuring Vikings I find to be one of the best commercials on TV. However when watching tonight 2-11-13 your Viking commercial was featured with Alex Baldwin. In my opinion that was a mistake on your part. First of all your Viking commercials DO NOT NEED A CELEBERITY especially Alex Baldwin to start with. Each and every time I see this commercial I will promptly change the channel as I'm sure many others will do the same. Bottom line, Dump your commercial featuring Alex Baldwin and any other celebs you might be thinking about adding. Bottom line: If it's not broken. don't try and fix it. Stay with what you have been doing,

John,
Texas

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Freemason1
Vallejo, US
Aug 23, 2011 2:27 am EDT

I am receiving multiple calls a day from Capitol One and I don't have a account with them nor have I ever! I asked them to stop calling about a month ago and I still get calls daily. It was said it would take 72 hours which hasn't happened. Them they call from different numbers repeatedly. some numbers they use are [protected], [protected], [protected], [protected].

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Kirk
Saint Louis, US
May 19, 2009 8:46 pm EDT

I just got off the phone with Capitol One and I was out of work and called in Jan if there was anything to help me out with. Nope.
They closed my acct because I told them I was out of work, then in the mail today My Apr went from 8.9% to 23%. That was great to kick someone when they are down.

I will never use Capitol One again. Hey Capitol One guess what is not in my wallet ever again!

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Joe Rosner
,
Sep 11, 2008 6:41 am EDT

We've been customers since 1999. This year they have chnaged our credit card number 3 time. Once without notice, once after agreeing NOT to. This has caused payments to be misdirected resulting in penalties.

Then they put a HOLD on the account because my payment was TOO large. This caused my card to be declined.

No one ever will take responsibility just puts me on hold until I have to hang up.

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8:51 pm EST
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Capital One id verification

WOW! I wish I would've read this complaints board before I opened up my account. I moved out to phoenix temporarily when I was unemployed hoping to get a job out there, mind you I closed my regular bank account and didn't make a change of address request because I was unsure if I would get the job in phoenix or not. If I got it I would make the change of address. So i signed up for a capital one prepaid back in august while I was over there and had them send it out to my friends house that I was staying at. I never got the job and was only in phoenix for no more than 3 weeks. So I came back home. Never used the card. Got a job and everything in el paso and was using another prepaid card but that had limited funds allowed per day for direct deposit, and I had my student financial aid getting refunded, so I checked on the capital one card to see how much they allow per direct deposit and was happy to see they allow $7500. so I switched my info with my school so they could direct deposit the refund to the capital one prepaid...lo and behold...it goes through but when trying to access my card online it says in red "that i need to call customer service"...I called and was informed that my account was frozen due to needing to verify my address. I explained to them that when I first got my card i had just moved to phoenix and received the card in phoenix and was not a tenant but living with a friend until I got a job that I was offered, job fell through and I moved back to el paso. So I had them change my address in their system to show my current address and I sent them a copy of my drivers license, a copy of their stupid prepaid card and two pay check stubs on tuesday. The next day they say it is not sufficient info and still need me to send in my ssn...so I did and even sent in a copy of my birth certificate just to be a jack ###. I call them to see if everything is ok and if they could finally release my account, they tell me no, that they still wanted a utility bill or my vehicle registration that showed my address. After fighting with them and calling them every name in the book, I finally got a manager that told me the truth, they basically wanted proof of address from my phoenix location (which I have nothing to help prove that since I wasn't living there long enough to change my address) and that it would take 3-5 business days to view my info i already sent them. and they don't count the day you send it to them, it takes effect the next day. And he told me it wasn't even a guarantee after those 3-5 business days that my account would be unfrozen because they were still going to need proof of my address in phoenix. Who does that?!?!?! I am proving my current address right now! I sent everything they asked and yet after every call I still felt like none of my questions where answered. All i kept getting was "we're sorry, we completely understand your frustration"...SHUT UP! NO YOU DON"T! how would you like it if you gave me your $3000 check and I didn't let you access it unless you verified a address that you don't live at anymore and don't have proof of it, but have proof of a new address?!?!?!? I hate when they try to make you feel like they are sorry and doing everything they can, when in reality they could care less about you. Now my rent is due, Im late paying my school which I could get dropped out of because of this. It has been a 3 day nightmare and all could've been avoided had I read this earlier. And why do they wait til they have my money to decide to let me know they are going to freeze my account, wait i take that back, they didn't tell me, i had to find out on my own, luckily i didnt go out and try to purchase anything so i saved the embarrasment their. Luckily i talked to my school and they are going to do a stop check payment and issue me my refund via paper check. If you are thinking about getting this card...DON"T! if you already have this card, DON"T LOAD ANY FUNDS! If you got screwed already by capital one...I FEEL YOUR PAIN!...its not surprising they are "stopping their prepaid accounts" as of march 1st. GOOD RIDDANCE CAPITAL ONE! never again! ugh im so livid

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ndial73
Lucama, US
Jun 14, 2011 6:58 pm EDT

We ordered a card then ordered one for a secondary card holder. it is a prepaid card so we didnt think getting one and loading our funds would b a problem. i had my tax return deposited on card then was notified my card was on hopld to verify id i sent in what i had at my address since i do not own the place nor do i hav rental ins or lights in my name these being the only documents they wanted they still have not reliesed the card. i sent in id and ss card which shows every detail of me who oprdered the card now i am trying to get my 1800 $ back. which by the way came to them beqaring the same name and ss num thats on the account and my id.

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3:33 pm EST
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Capital One rip offs

We had a 72 month auto loan with this bottom feeder company back in 2006 (had to go with them because of another bottom feeder self insured workers compensation company). We had our payments automatically set up through our bank to be paid every month, and they were. At one time, we were 2 months ahead, because of making an extra payment when we could. They called in Oct. of 2012 congratulating us on meeting the obligation of the loan. Since that call, we get many harassing phone calls daily, telling us to disregard that phone conversation, and that we owe anywhere fron 975.00 to 1300.00 (can't get their story straight). They said that they found one payment not made, changing from in 2006 to June of 2012, to October of 2012. They also said there was a deferment from 2006 or 2008 "they are not sure". What they are probably referring to was way back when they said a payment was not made, and my bank had the proof that it was, and even spoke with them on the phone during a three way conversation. I called and called about the "late fees" on this pseudo skipped payment that turned into a late payment. I also wrote notes regarding it on their inaccurate statements until they stopped sending us statements. Bottom line is that we financed a 16, 000.00 truck and on our original paperwork stating that with interest would be paying little over 20, 000.00, and we have paid them almost 35, 000.00 and cannot get our title. We speculate they will claim we will never have them paid in full. They even changed the original paperwork to my husbands loan to my loan. There is a lawyer that will look at the records for a discounted cost of 40.00, then submit other charges from there. It is a sin that our honestly earned income helped bail these criminals out, and they are still calling the shots. What type of attorney could help assist us in obtaining our

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2:50 pm EST
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Capital One fraud

I had signed up for a gym for a year and its was signed through capital one mastercard. I got the gym membership cancelled in 3 days and i called in capital one to put a stop payment on the gym account and they assured me that they will. I checked bills after bills and called Capital One and asked them to put a hold and stop the payment, with every call i made to them they assured me and this kept on going for 3 years and money just kept going out. In the end i had to be harsh with capital one and made them stop the payment and they did it finally but i lost $1701. Why did they not cancel when i called them the first one, two or ten times. Its because they wanted to make money on interest and they do not care about customer and customer service. Why did they lie to me about this. This mastercard should be avoided.

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SKOR
Toronto, CA
Dec 19, 2012 9:36 am EST
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The gym kept billing you for 3 years after you cancelled? You are legally allowed to cancel a gym membership in Ontario within the first ten days : http://www.sse.gov.on.ca/mcs/en/Pages/Fitness_Clubs_Rights.aspx
Additionally, all contracts must expire after 1 year.

If you cancelled in writing - and have proof it was received by the gym (such as registered mail) - your claim is against the gym, not your credit card.

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9:16 am EST
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Capital One data breach obligations

Orchard Bank has posted a potential data breach on a pop-up website with the opportunity to pay for credit monitoring. This is not fulfilling their obligation when there is a data breach that could cause financial, reputational or other harm. They are required to mitigate the victim's risk of harm and that is usually to pay for the credit monitoring for at least a year. I'm terribly disappointed in this company which has been bought by Capital One.

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12:39 pm EST
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Capital One cancellation of card w/out notice or reason

After taking 5-6 months of phone calls and paperwork to finally obtain my "precious" Capital One HBC Master Card (reason it takes so long is due to previous identity theft and fraud in my past, it's like Fort Knox applying for any credit through the Credit Bureau), and using my card regularly for almost a full year I pay off my statements every month fully. I go to make a purchase one day at an HBC store and my card is declined due to the fact that they've cancelled it! I've received no notification as to why or when this was done. The store manager called up Capital One right on the spot insisting that this was not acceptable and the financial institution simply said it was an error on their part and that there was nothing that they could do about it, once a card is cancelled they cannot reinstate it I would just have to reapply again. Like heck I'm going to go through that again! The only reason I got one in the first place was to earn the extra reward points and get an extra discount the day I purchased something and signed up (which I couldn't get because I had to go the long route of getting a card due to the credit bureau situation, the store couldn't issue me a temporary card like they usually do). If this is what they do to their loyal customers and my past history of payments isn't proof enough that they can reissue my card because of a mistake of theirs, then I don't want anything to do with them! Although they couldn't send me a notification of cancellation, they did send me my statement and expect payment on time.

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Kdadadad
, CA
Jun 16, 2017 7:07 pm EDT
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Their service is very bad. They gave me a credit card which couldn't be used online. Who does that? In the past they haven't issued a credit card automatically closer to the card expiry date. Very poor service again seems like they don't want me to use the credit card and I have perfect credit history.

No wonder Hudson Bay is doing all these layoffs due to losses. Seems like if they keep this up they will be the next Sears.

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Ayyz
Toronto, CA
Jan 04, 2013 1:16 pm EST
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Hi @D I M K - It’s Andrew from Capital One Canada. We recently came across this forum and saw your post; so, please accept our apologies for the delayed response. We would like to further investigate this matter to see if there's anything we can do to help or to answer any questions you may have. Please reach out to us at SocialCanada@capitalone.com. Thank you.

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5:19 pm EDT
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Capital One crooked

Purchased a used car [protected] in maryland, loan was approved by capital one auto finance. On or about [protected] i was arrested, charged with the theft of this automobile. Called capital one auto finance after posting $150, 000. 00 bail or should i say ransome.

Was told by capital one that the seller paid off the balance owed on the car four days after my arrest. How in the hell did capital one auto finance allow someone to pay off my loan without my
Knowledge without conferring with me about whether or not i had sold the car

How can one be charged with the theft of an automobile that was just financed not 60 days ago, i of course contacted a lawyer here in maryland, but he has not told me how the dealership where i brought the car pulled this off.

Will never, ever do business with capital one bank again.

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fightfan9
Fayetteville, US
Sep 15, 2014 6:09 am EDT

This scares me. As I am dealing with something like this right now. I got approved for an auto loan. Approved, not pre approved. They sent me a blank check to give the dealership. A week later, I find that Capitol One wants to revoke the loan, the blank check I handed over bounced or something. And I am trying to return my new car, its a big mess. I just bought a car with a bounced check. O__0!

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7:52 pm EDT
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Capital One false information lien hold

I got an auto loan with Capital One in 2005, I made payments on time as agreed and paid off the loan in full in 2011. After final payment Capital One mailed me the title to my car. 8 months later I pulled a credit report and discovered Capital One had not updated with the credit bureaus and showed my car loan as being 120 days past due and open. Total fraudulent reporting. I disputed and it was eventually removed from the credit report after several months but had caused me much distress and to be denied for credit elsewhere. Now it's another year later and I decided to sell my car. I signed the title over to the buyer and when the buyer went to register the car he could not because Capital One had a lien on the car with the DMV..still. I called Capital One demanding a Lien Release form for the DMV and they said they would process it but it would take 2-4 weeks. WHAT? They should have taken that lean off when the car was paid in full on 2011, yet would not rush the form even though it was their mistake. Consequently, I lost the buyer, the sale, and am now stuck with a title signed over to the buyer which is now no good, and a lien still on the car, and a BIG MESS. Thank You Capital One. Why is it when consumers default on their responsibility they must be held accountable, but yet Capital One can mess people's lives up with their incompetency and not do as they should and there's no recourse to the consumer. If there's ever a class action against Capital One - count me in. Livid in NC

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5:40 am EDT

Capital One lowered credit limit

I reserved a moving truck to move my deceased mother's furniture, so I made a 1000 dollar payment to Capital One to make sure there was enough money available. Then three days after I made the payment, they lowered my credit limit 1300 dollars and now I dont have a way to pay for the truck, which requires a credit card.

It also hurts my credit rating because instead of only owing 1/2 of my available balance, Now I am almost maxed out again

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Mike Richart
Titusville, US
May 03, 2010 7:30 pm EDT
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I reserved a moving truck to move my deceased mother's furniture, so I made a 1000 dollar payment to Capital One to make sure there was enough money available. Then three days after I made the payment, they lowered my credit limit 1300 dollars and now I dont have a way to pay for the truck, which requires a credit card.
It also hurts my credit rating because instead of only owing 1/2 of my available balance, Now I am almost maxed out again

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9:16 pm EDT
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Capital One false deceased report refusal to comply

In 2005 Capital One Reported this card holder as deceased, it was corrected temporary but a code that issues death repeatedly is reported. This has accelerated over the past 7yrs - upon return calls to customer service they failed numerous times to provide assistance on the matter. A credit card agency can is valid to report demise to all reporting agencies and this misinformation can cause bank account closures, lack to access funds, delay deposits, and failure to pass security background checks for employment. To this date Capital One refuse any responsibility and blame third party vendors or technical error - it has caused termination of employment, failure to gain employment and or access funds for basic living! Customer service refutes upon calls over the course of years to deal with requests of consumer backing to clarify an error that stemmed from their mistake! Credit history permanently damage due to this error!

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3:19 pm EDT
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Capital One horrible customer service

I have had the worst customer service through Capital One that I have ever experienced in my 32 years of banking. Unfortunately after Wachovia was bought out I moved my account of 20 plus years to Capital One. They have a lot to offer as far as their services, but their Customer Service is absolutely HORRIBLE! I pay my bills through the online banking. I have 2 auto loans going to the same place and due on the same date. Capital One took the money from my account the day it was due, but according to them, they actually send an electronic draft. My credit union did not receive one of the checks, so after 10 days I received a late notice. Seeing that the funds were withdrawn on the date they were due, this confused me. I called Capital One and they had no idea what to do, no suggestions. I requested they call my credit union and inform them that in good faith I paid my payment on time. In the mean time, they were supposed to send another check. After another 4 days, and still no payment, and now my Credit Union has put a freeze on my funds there, about $4000, I'm out $4600 with the double payment. I called Capital One to tell them NOT to send another check because I was going to pay it myself. I wanted my account credited immediately! I got their scripted response, "the money will be credited back to your account in 2 - 4 days. Six days later no credit, I call once again, asking for someone that could help me. Guess what you cannot talk to anybody other than customer service to make a complaint, you have to write to them. Long story short, 21 days later I get my money back, 9 days after I paid it a second time. NOW...they sent the 2nd check anyway, my credit union deposits it and it's returned for stop payment. I now get charged by my CU $15 for returned check. I write Capital One online to request a refund for their error in sending a 2nd check out. Their reply is that they do not feel responsible for the charge, that my CU should not have cashed it. So...I get stuck with the charge. I explain that this whole situation has been nothing but a nightmare and I will consider moving my account elsewhere if not refunded. Guess what? NOBODY CARES!
Definitely a first ever for me with banking!

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Tony Huynh
Falls Church, US
Sep 24, 2012 12:45 pm EDT
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I got the same issue, customer service is worse ever in 20 years of banking and in banking business. I will never deal with Capitalone again even if they give anything for free. Be ware of their ads...that's only what they are good at.

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7:04 pm EDT
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Capital One deceptive practice

Capitol one is nothing but scammers and crooks looking to make a buck any way they can and do not care who they hurt. I made a purchase at best buy and elected to open a credit card account with defered interest until may 17, 2012. Two months later I made another smaller purchase and again chose to use the defered interest credit card and this time the interest would be defered until july 17, 2012. I consistently made the minimum payments at least two weeks early for 17 of those months. For the 18th payment I paid what I should have owed on the first purchase plus a little just to be safe, I paid $800, which should have more than paid off the first purchase. That payment was made on may 14, 3 days prior to the experation of the defered interes plan. Then on may 29, I paid what my statement said was the total outstanding balance, $611.49. This being 12 days after the expiration of the first offer and a month and a half prior to the expiratio of the second purchase offer. So, I am thinking it is all paid off in time to avoid interest which was my plan from the day of the purchase. Wrong. They said when I made the payment of $800 I actually owed $874 on the first purchase, so I was $74 short of payoff when the first offer expired. And they say when I logged on to pay what was showing as the payoff on may 29 that was not actually the payoff because at that point I acutally owed the balance plus all the interest from the prior 18 months since I was $74 dollars short on the first payoff. Which by the way is not correct, I am way more particular about my bills than that.
In conclusion they charged me $652.00 because they think I still owed $74 on the first purchase plus put on my credit report that I was 60 days late on payments eventhough I had paid almost $1, 500 dollars in may alone. Huge rip off. It was all a huge scam. The service rep even had a little slip in our arguement and said he had dealt with several others like me that didn't understand their terms. Of course he blamed it all on me for not keeping a check on my account. By the way, don't bother asking to speak to a supervisor becuase they don't honor thier word on that either, no one ever called me back as promised. I went ahead and paid their fraudulant bill since no one that could do anything would ever call me back... Worst excuse for customer service I have ever seen. The reps did not care about anything other than getting me to pay. This probably isn't actually illegal, but just because it's not illegal doesn't mean it's right. It was at the least deceptive. Thats a real good policy. The people that actually do right and make all payments as required... Screw them cuz they want to keep good credit and they will pay. I am tired of gettting screwed because I have good credit. Banks do no want people to have good credit becuase the ones with bad credit must pay higher interest. Banks are all legalized crooks and thieves. Period.

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ethos
Somewhere TEXAS, US
Aug 10, 2012 9:18 pm EDT

Now that you know that I hope you learned your lesson well - don't play with snakes, you will get bitten. Henceforth no cash no buy. Just save and pay cash. That $652 would be better off in your retirement account, right? That's what my financial adviser says, google him dave ramsey. You closed that account already right?

Something else is make your last payment before the second last bill is out don't wait until the last month. Mail the check using registered mail return receipt requested.

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10:31 am EDT
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Capital One captialone system errors causes customers suffer a big lost.

The CapitalOne Credit card company advertises and frequently sends promotion checks to customers allowing them to use checks for purchases, cash, or transfers with no transaction fees. However, their system automatically put on hold customers credit account for trivial/wrong reason. Consequently, customers suffer charge back for returned checks and fee for cancelled checks even they have never spent over limit on their CapitalOne credit accounts.

On 7/17/2012 I paid $2000 for my credit line of $2000. CapitalOne accepted this payment and my balance became -$90. That meant CapitalOne owed me $90 and my balance had $2000 available. The next day, 7/18/2012 I wrote a CaptialOne promotion check #12923 of $1800 and deposited to my checking account at Bank of America. However, until 5 days later, on 7/23/2012 I knew the check was denied. Bank of America charged back $12 for returned check and subtracted $1800 from my bank account. I also suffered fees from other cancelled checks due to insufficient checking account at BOA.

On 7/24/2012 My account balance is $0, my available credit $2000, I wrote another check #12924 of $1820. Still, again my account is on hold due to other banks deposit $3000 into my account on 7/26/2012.

I contacted CapitalOne five times about this problem. They said: "An account will be put on hold if there is (1) Large amount of payment or (2) Multiple payments. It is automatically system, they cannot change it.

These are wrong reasons because Capital accepts large amount and multiple payments from customers. Why did they accept payment and then put on hold their customer account? They can put on hold the amount deposited until it is cleared. But they should not put on hold consumer credit line or their entire credit account. Put on hold credit line and put on hold the check is different matter.

CapitalOne said they want to make sure the amount received is cleared. However, the amount should be cleared before posting the transaction. They should post only after the amount is cleared and should give the accurate balance on their customer credit accounts. For example, it is very confused for customer having balance negative -90 after paying $2000, but credit is not available as if they paying late. The payment from customer in large amount to CapitalOne is not customers' fault. Customers do not spend over limit on their account. Instead, customers pay to increase the amount available on their account. It is different from late payment.

CapitalOne also failed to notify me about their decline as they stated in section “Important Information About this Offer” on the info how to use Capitalcheck promotion.

I believe hundred thousand customers have been suffered such wrong and unfair practice. Please investigate to protect other Citizens from this error.

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Razi_84
, US
Sep 10, 2011 7:09 am EDT

on sept/08/2011 sometimes around 8pm i used capital one platinum master card at shell gas station and it declined i called two minutes later to the capital one and found out that particular transaction triggered fraud alert. so they locked my account and requested further documents to release the account. i explained them that it was me who tried to use the account at shell's gas station i provided them my social # gave them all types of information even paid the full amount that i had on my credit card i paid them 600$ to convince them that it was me using the account and nothing happened so open the freaking account. but they did not. i was really sick of their service therefore i closed the account. the worst credit card company in the world and stupid ###en reps are not even professional at all. they don t satisfy the customers at all. mother ###ers wasted my time. never ever ###en get their cards ###KKKKK YOU CAPITAL ONE ...

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dcmea
Wilkes-Barre, US
Jul 26, 2012 10:41 pm EDT

what you did was clearly suspicious and I suspect that's why all of a sudden Capital One decided to make sure your payment clears first before giving access to your credit line. Unless this is normal practice for you (i.e. make a large payment followed by a large transaction), it's understandable for CapOne to suspect. WHY? this is a common way to defraud a bank either by the actual cardholder or by someone who got ahold of the acct info. a large payment is made (which takes days-weeks to clear), the person then uses available credit for purchases or cash advances, the large payment bounces, the person gets free stuff/cash. As I mentioned, if this is the 1st time you made a large payment immediately followed by a cash adv for same amount, CapOne may have suspected fraud. I'm not saying CapOne is suspecting you but there is the possibility that someone may be using your account.
I understand these are things that you are not aware of; unfortunately, CapOne did what they had to do to mitigate risk. this is also why banks' terms and conditions are 100 pages long. I hope you can work out the fees with CapOne and BOA
*My views/comments are in no way, shape, or form a reflection of my employer's (current and past) views. My opinions are soley my own.

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9:39 am EDT
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Capital One what a joke - cant use income

What a Joke...applied for a 10k auto loan, just to see if I could get it...they said they could not use my income working for myself on the application. I have an S Corporation. I am sole owner/officer and pay myself a Salary plus distributions. I also own the building the my Corporation rents from me. They said they could not use that income...lol...unbelievable. The guy asked me if I had any other W2s...duh...uh..nooooooooo...I work full-time for myselft...What a joke...bunch of idiots. This is what our financial industry has come to...you can't even get a simple car loan if you're basically Self-Employed? Way to go, Obama...keep it up...

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10:07 am EDT
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Capital One phishing scam

I received this email from a fraudulent email address posing as Capital One:
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From: CapitalOne
Subject: Found Abuse from unknown third party
Date: June 16, 2012 11:25:23 AM CDT
Dear CapitalOne User,
We found a potential risk on your CapitalOne account.
In order to read the full message you must log in to your account.
Please read and confirm your information here: http://site.ieticket.com/lsei/wp-content/themes/TheStyle/a.php
Thanks,
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The link provided takes you to http://www.updatecap0neqw.com/ where it asks you to sign into your account and then asks you to confirm the following information: cardholder name, date of birth, mother's maiden name, address, city, state, zip, phone numbers, email, debit card number, expiration date, card verification number, atm pin, social security, and driver's license.

I have reported this to [protected]@capitalone.com

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Stubbs4!
, US
Apr 18, 2018 9:45 am EDT
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I have received 5 phone calls from [protected] and [protected]. The man says his name is Justin Nowberg. He is calling to tell me that he is with Capitol One and Mastercard. Letting me know that I have excellent history with them and never missed a payment. They would like to give me a better interest rate. I have talked to him twice now and have not given him any information of mine. I always say "you should have that information already". He has tried to get me to verify last 4 digits of one of my cards, he has tried to get me to give an expiration date. And he also has tried to get me to give him my husbands first name. I stayed firm! He proceeded to tell me that he would knock off 60 percent of my debt. The other 40percent would be at a 0 percent interest rate till it is paid off. Sounds too good to be true, RIGHT! Told me if I went to a bank they would just rip me off. He is calling me back on Friday at 5pm. Told him I had to talk to my husband and he could call me back then. My husband will be home and will be talking to Justin, instead of me! It would be great if you could stop him before he calls me back again. Tired of the harrassement! Please Help! Thankyou

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jrs1gal53@yahoo.com
, US
Nov 03, 2017 2:24 pm EDT

This isn't a complaint, I'm not sure who to report this to. I got an email from Capital One about my contacting you and I haven't done that...here is the following email

Thanks for reaching out to us but this isn’t a secure email address, so
it’s best not to share any personal info over it. Going forward, please do
not reply to this email address since it’s not setup to receive emails.

If you have questions about your account or need assistance, you can get in
touch with us by visiting Capital One’s Contact page
to find the best number to call us, or sign in to your online account so we
can help you.

I'm just confused. I have three capital one accounts and I sure don't want a stranger getting into one of them. I have them all linked. What do I need to do? My monthly payments are automatically taken out I have MS and I am prone to forgetting to do something so I put them on automatic payment. All of my banking info is in there, and I'm afraid of the phishing scam. Please advise me as to what I need to do. Thank you.

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Maw Maw Logan
, US
Feb 22, 2016 4:07 pm EST

-----Original Message-----
From: Capital One
To: Me
Sent: Wed, Feb 17, 2016 2:55 pm
Subject: Security update

Action Required:

We've detected too many failed login attempts on your account.

Click here to verify your account.

Sincerely,

Capital One Services

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5:18 am EDT
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Capital One made huge mistake on my credit card & refuse to fix it

OK. I have a Caoital One credit card nwhich I very seldom used. A new card now (Visa) & don't use it at all. I only used Caoital one for online buying of inexpensive jazz CDs & books. This past nmoth I purposely put in about $6000 until my Visa card from RBC arrived & now I only use the Visa card. They acknowledged that they owed me nonly 101.00 owed. I have emailed them, phoned them, & nothing has been done about it. I may be wealthy enough to absorb the approximately $5000.00 loss, but I have destroyed the card and asked themj to just cancel it, & send me nthe $101.00 they owe me. Could you please look into this matter for me. I have just lost my wife to breast cancer & I can do without being scammed nright now. If I get a statement from them next month & they say I owe nthem money, I'll have to massume someone has hacked ninto my online banking, identity thedft, etc.

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AMCyyz
Toronto, CA
Jun 18, 2012 1:22 pm EDT

Hi @Jerlaw – It’s Andrew from Capital One. We came across your post online and if you're having problems with your Capital One card, please reach to us at SocialCanada@capitalone.com so we can investigate this issue further.

Thank you,

Andrew

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arteest103
, CA
May 26, 2012 9:07 am EDT

I would also close that account if you think you've been hacked. Get your statements together and report it to FCAC or CBC's consumer help program. Can't remember the name of it.

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arteest103
, CA
May 26, 2012 9:05 am EDT

I also have a beef with CapitalOne but the amount they owe me is much, much less than what they owe you. I had a hard time understanding what happened to you... Did you put $6000 on your card as a way to have a credit balance and then use it to pay for things? You've learned the hard way that you just can't assume a company is going to be honest. Especially an American company. You can complain to the Feds: FCAC: http://www.fcac-acfc.gc.ca/eng/contactus/index-eng.asp

I'm also in NS. Strange. Good luck.

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Capital One poor quality vehicles

I purchased a 2002 Mercury Sable last year. A week later my check engine light came on so I took it to be looked at by Meineke who told me to return the vehicle because my Idol Air control Valve was bad and tires bald. There was no way the car could have passed inspection nd I still had 30 day tags. Capital One Auto Brokers owner Rhonda told me to bring car to her mechanic who only work 8-5 Monday through Thursday. She also said I would have to pay for tags nd title in order for her to take back the vehicle she just sold me a week earlier. It's a year later, I have replaced the idol air control valve, replaced battery, and replaced alternator. I took the car to her mechanic who replaced three holes in the hose leading to the air control valve, replaced idol air control valve Again, nd calibrated settings. Two days later the check engine light back on. The mechanic tells me that there are wrong car parts under my hood and that I news to take car to Ford Dealership. I was originally told they would fix my car and I would drive a loaner. The loaner I was given turned out to be a car recently in a car accident nd currently in an insurance claim/law suit. Rhonda was rude and inconsiderate. I dont recommend ANYONE goes to Capital One Auto Brokers Llc located at

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Capital One cap1 not honoring their convenice checks

I own and operate two businesses and am preparing to start a third. I write Capital One convenience checks that are made availabe to me by Capital One for the amount of credit allocated on my card. I use these checks for purchases of materials and supplies for one of my companies. On April 3rd I checked my credit limit on my card and the amount available to me was in excess of $6, 200.00. I wrote a check and deposited into my bank account. I then purchased several thousand dollars of materials. On Sunday, (4 days after I wrote the check) I received an email from Capital One, stating they were not honoring their check and the check was returned as insufficient funds, this was due to CAP1 decreasing my credit limit. My limit was reduced without my knowldege - CAP1 states they reduced the limit on April 3r - I HAVE A CAP 1 Document showing on April 3 - I have in excess of $6, 200.00 dollars of credit available to me. I was never contact by CAP1 until after they received their conveniece check. My credit has now been adversely affected. I have been a member with CAP1 for over 10 yrs. AND never has there been an issue of my not paying my debt, on time and in full. CAP1 - did not contact me until after the fact. Although they say my limit was decreased on April 3rd - I have a document from CAP1 that shows I have over $6, 200.00 of credit available to me on APRIL 3rd. I tried for over 24hrs to get someone to call me back from CAP1 and finally after I was passed around for 7 hrs - I was told too bad so sad we cannot do anything to help you. This has crippled my business - I do not understand how a company can arbitrarily take something away without even a courtesy phone call. I have or I should say HAD excellent credit before this situation. It is my hope that something can be done to let the general public know what CAP1 is doing to their loyal customers. Especially when they have NEVER been late on payments in 10 plus years.

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LLL0529
Dallas, US
Apr 10, 2012 3:02 pm EDT
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I am so sorry for you. They, Cap 1 are loser financial institutions. Have you tried going into one of their banks and showing your proof? Good luck

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Capital One account closure

Transferred 9000 into a checking account, only to learn later that it went into an over draft account by accident. Now I learned that they are closing my account without a reason.. To add insult to injuries they informed me that I could not get my funds back for five days. Spend six hours today being directed in different directions. We have over 70 K at the bank in different accounts but we are being put out. Our account has been in place for over 15 years and we have multiple bills and mortgages directly linked. Major pain to change everything.

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Capital One $1040.00 mistake

on 2/23 a check cleared our account. The amount of the check was supposed to be $100.00, but Capital One posted it for $1000.00 then charged us $140.00 in bank charges. I contacted them about the matter and they sent their apologies for the mistake, and stated I would need to fill our a dispute form. They also told me it would take 3-5 business days to receive my money they took.
After having a screaming fit with them on the phone, they returned the $900.00 but not the $140.00 due from bank charges I received from their $900.00 mistake.
I opened a new account with a different bank, and as soon as I receive the $140.00 they owe me, I will be closing this account.

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Capital One Customer Reviews Overview

Capital One is a well-known financial institution that offers a wide range of banking and credit services to its customers. The company has received numerous positive reviews from its customers, highlighting its excellent customer service, easy-to-use online banking platform, and competitive interest rates.

Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.

Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.

In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.

Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.

Capital One In-depth Review

Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.

Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.

Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.

Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.

Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.

Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.

Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.

Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.

Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.

Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.

How to file a complaint about Capital One?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:

  • Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
  • Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
  • Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
  • Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
  • Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
  • Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
Remember to include relevant dates, transaction details, and any other information that may support your complaint.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.

6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.

8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.

9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.

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