Capital One
Reviews and Complaints

Scammers were able to change our phone number and address then issue themselves new cards. We contacted Capital One on Aug 25, 2024. Their answer was to issue us new cards. they did not cancel our account. They did not cancel any virtual cards that we had out there. The scammers were unable to complete our checking account through an ACH transfer from capital one because our checking account was attached to our card for easy payment. The scammers were also able to complete our points. It has been 7 weeks and we are STILL dealing with fraud issues. We will be canceling both accounts after 20 years!

The good: easy to apply and if accepted a high credit limit. If in a major city with a Capital One cafe it is convenient to make payments to the credit card account.

The bad: waited 3 weeks for a replacement credit card that never came. Gave up and closed the account with the understanding that I was not wanted as a customer though my credit score was 780+.

Featured review

Your staff is totally unprofessional. Nobody cares. I've been a customer for decades, and my account was cancelled unjustified. I do plan do go Nationally with my complaint, on TV, and on Social Media. I owe nothing, and your representatives don't even care. I will also be informing the Federal Employees Union, that your company participates in unfair business practices, and maybe the SEC and Better Business Bureau need to investigate your business practices.

Have had great experiences for many years with a number of different accounts including personal and business credit cards and checking/savings accounts. I appreciate the great customer service I receive on a regular basis. Thanks Capital One.

I have worked for capital one and have had 3 credit cards through them, most issues brought up are because people do not read their card agreements and don't understand credit isn't instant. It can take a while for updates to occur, being patient goes a long way.

I have been a customer of CC for more than 10 years. I started with a very low credit limit, but now it has increased to over *** k. I always make sure to pay my bills on time and I have never encountered any issues with their customer service. Recently, I was approved for an auto loan with an incredible interest rate! If you are financially responsible, this is a great bank to consider.

I recently installed Paribus and it has worked amazingly well- within a few days I was notified by Paribus of over $30 in refunds I could get from one store I had purchased from, and provided with the contact information for the store and how to request the refund. I called the store as advised, and got the refunds credited back to my credit card immediately. So far I am very pleased.

Capital One does not waste time reporting you to the credit bureau and will not remove late payments. They also report your on-time payments late, which makes it appear to ComplaintsBoard.com that you are not making payments on time. I called them about this issue, and they said they would correct it with ComplaintsBoard.com. Capital One has harmed my credit reports despite me paying my bill on time, and I am paying an additional amount of money. Their customer service is not good.

I received my Capitol One credit card a week ago. I checked my card and noticed a charge to my account. I called the customer service phone number and spoke to a representative without having to enter any numbers. Capitol One charges their service fee upfront, which is not a problem. I am looking forward to doing business with them in the future. I recommend checking your card balance at least once a week to be proactive.

Have had a Capital Once card for over 7 years. Since I first obtained it, my salary has increased 10-fold, I have excellent credit, and always make the payments on time. I have been denied a credit line increase numerous times. Customer service cannot provide an explanation and keep referring me to "the answer generated by the computer." They cannot tell me who makes these decisions, nor give me details about the decision. The lack of transparency is incredible frustrating.

Capital One has been my bank for credit cards and auto loans for years now. Ive join capital one when I had bad credit, defaulted on a card when I was overwhelmed by medical debt, Ive since been recovering and even with a default capital one still provided credit to allow me to get back on my feet and provided me with an auto loan that didnt have an crippling interest rate and its super easy to pay extra towards principal. I dont want to discredit the other negative reviews but for me Capital One has been a life saver

I want to share my praise for Nikki from the Resolutions Department. I was speaking with a Tier 1 level rep regarding an extension request on my auto loan. They were kind, but weren’t the most helpful. Seemed new on the job. After several minutes I asked to be transferred to speak with someone else because I wanted to be sure of the resolution I was receiving. When Nikki took over it completely turned around the experience. We were able to achieve the proper resolution for my extension in a quick and efficient manner. She wasn’t just rushing through the call trying to get me off of the phone either. She was very nice, engaging, and I could tell that she truly cared. Thank you so much Nikki and I wish you the best with your endeavors!

I had problems with a check deposit to Capital One from a different bank. Phone support was of no use and that person was not knowledgeable, saying that the system restrictions couldn't be overwritten due to the large amount of my check. I went back to the branch in Dallas where I had made the ATM deposit and spoke with Lacrisha. She was outstanding, and gave me the solution that allowed me to make the transfer payment which the deposit had been intended to cover. In addition, she pointed out that it wasn't a Capital One problem, but instead was one she had seen before that was caused by the bank on which my check had been written! Capital One needs to remember cases like this when it considers shutting more branches. Phone support and online chat support don't usually get you to a person with years of experience who knows how to handle a problem because they've seen it before. The "system" doesn't always work - many times it takes people to satisfy clients.

I have been very satisfied with my QuickSilver card and Capital One. It is much better than another credit card company. I believe the customer service is also much better, and they are willing to connect you with a representative in the United States. They truly take care of me. I have been really happy so far, especially when I needed to dispute a charge. They work with you and resolve the issue promptly, unlike the other company which took them several months, if at all. I also appreciate Capital One's website layout. It is easier for me to understand my transactions and ensure everything is accurate. I like the color-coded system and the clear distinction between temporary credits for disputes and credits from the actual company. I am pleased with this card and the customer service. I even had a representative named "Christina" who was originally from Mt. Pocono, PA, which is close to where I live. It has been a great experience. Thank you, Capital One! The other credit card company did me a huge favor by closing my accounts without my permission because I was unhappy with their terrible service. Capital One is far superior for credit cards.

Welcome to my world of Capital One! I have had many credit cards in my life, but none have been as exciting, influential, and rewarding as Capital One! Till this day, being Saturday, May 30th, 2020 and continuing, my Capital One credit card that I have been using for about one full year even has a name to it like a pet, which is called "***," which sounds like the name of a horse! Yes, I do love horseback riding too! Lol. Well, the *** credit card does seem to move fast like a horse, which may be why they gave it that name. Moving right along, my credit card has many benefits such as no annual fees, no foreign transaction fees, and ***% cash back. What more can you ask for in a credit card? I also have a very generous balance to use every month as well! In addition, their customer service department is also substantially remarkable. In addition, I want to personally thank "Jesse," Agent ID #***, for taking good care of my needs back on Friday, May 29th, 2020. Final thoughts: if you are looking for a super trouper credit card, then look nowhere else! Choose Capital One for all of your credit card needs. Thank you. Sincerely yours, *** Proud and loyal Capital One credit card customer executive, volunteer writer for *** and *** websites. PS: Please check out my *** video under: ***. PS: Please subscribe to my *** channel under: ***.

I opened a regular account with Belfx. After trading for about two weeks, they asked me to invest more money, so I increased it to around 5,000 EUR because I was making profits. Everything seemed to be going well, so I invested an additional 15,000 EUR and they opened a VIP account for me. Most of my investments were transferred, except for some profits that were left in the regular account for me to practice with. I deposited another 5,000 EUR to upgrade to the Platinum account, but they never converted it to Platinum. They said that all trades needed to be closed and a fresh investment of *** EUR was required for the VIP account, which seemed reasonable, so I didn't insist.

During this time, I withdrew 100 EUR to test the withdrawal process. After trading for another month, I decided to withdraw my profits, but my account started losing a lot of money. They asked me to invest more to save the account, but I didn't do it and eventually, my account was completely wiped out.

A military colleague advised me to contact a recovery team, so I reached out to ***. He is an expert in recovering binary/forex/bitcoin and cryptocurrency investments. He and his team worked tirelessly to refund my invested capital, including my bonus. I feel obligated to recommend him and his recovery strategy. If you are having issues with your investment broker, feel free to contact him via his email address: [protected]@gmail.com. He will guide you on the steps to take to get your invested capital refunded.

I was fortunate enough to contact Capital One for assistance with questions and concerns about my pre-approval, and I had the pleasure of working with a representative named Hema. This representative went above and beyond to ensure that all of my questions were answered and that I was well taken care of. What could have been a very stressful process was made so easy and seamless that it truly made myself and my husband feel like we were being specially cared for. Not only did she exceed expectations in her job, but she also showed genuine interest in me as a person and paid attention to our conversation as if I were a part of her family. She patiently waited with me while I got my husband on the line, as he was working during our call and unable to come to the phone immediately. She was fast and efficient so as not to take up too much of his time. I have never had such a memorable customer experience in my life. To top it all off, she even sent us a surprise gift to show just how much she cared and paid attention. The gift was relevant to our interaction - a picture frame for my husband and me, as we were recently married. It's funny how people say "it's the little things," but it's true! Hema has set the bar extremely high for all of my future interactions with customer service representatives because she was simply exceptional. Capital One, I hope you know that you have an outstanding representative. Take good care of her because she is definitely taking great care of your customers. Thanks to her, I will likely always be a Capital One customer!

I used my Capital One Venture Card to pay for my TSA fee of $70 on February 3. I see by the following information that I should be reimbursed but I am being denied. Why?

"The Venture Card offers a Global Entry or TSA PreCheck credit once every four years. Just charge the membership fee to your Capital One Venture Card, and it will automatically be reimbursed. It doesn’t matter who the fee is paid for, as long as you charge it to your eligible card."

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My wife and I applied for a captain one credit card. We were approved… while it was easy and automated to activate mine… it’s been so difficult (even after talking to representatives… I told my wife forget it she doesn’t need it. We would use it as convenience, not revolving credit) she is upset, reporting it to her media and attorney friends.

Dear sir:

My name is Robert Bergeman and I filled the form for a lost credit card. I was given a phone number to consult on this situation. I am a cancer survivor of throat cancer and understanding me on the phone is very difficult,

The only way to communicate is via email or text.

I have been a user of the service for many years and never missed a payment and had a very high credit limit. I request that a lock be placed on the lost card and a replacement card issuef,

I am currently a resident of a rehab center but

be out soon. In the meanwhile I need some personal items. I also request that you send the card to my current address and not to my home address as I am in a family dispute over use of the card. So then please send the card to

8533 Jericho tpk Woodbury NY 11797. I feel that I deserve this courtesy. I have written to the

help center 3 times with no response.

I remain yours truly RPBergemàn

m

Started Forex Trading on your website March 4th, 2024. Downloaded the Mobile trading App from Google App store. Made 4 Deposits and started Spot Gold Trading. Was doing very good and wanted to take a Withdrawal on April 1st of 25K and was told I paid to pay all my taxes first by depositing 94,090 again to pay the taxes. When I told them to take it out of the profits they told me that is not how they do it. I refused and stated inestigating this company of yours. They are trying to steal my money. This is Capital One.

On approximately October 7, 2020, I received an email from my credit issuer, Capital One, informing me that my card had been added to Apple Pay. I did not authorize this, so I immediately called to inquire about it. When I checked my account online, I noticed a small amount in the pending transactions list for under $*. I disputed this charge as well. The representative I spoke to agreed to stop the charges and issue me a new credit card. I also filed an official claim. However, before my card could be deactivated, or maybe it was already in the process, two additional larger charges were made on my account, amounting to $*** and $***. I called again to express my concerns as I did not make these charges on a website called "***". I refuse to be held responsible for fraud committed in my name. I also contacted the credit reporting agencies and froze my credit, fearing that I had fallen victim to identity theft on a larger scale. When I spoke to Capital One again, they assured me that the charges would not be added to my account. Unfortunately, this turned out to be false. I have since called three more times to check on the status of my fraud claim, but each time I am given a different story. It has been almost three months of investigation, and the charges are still on my account. Interest is accumulating, and my credit is being negatively affected by charges that I did not make and promptly disputed. During one call, I even requested to close my account due to the mishandling of this situation. However, I was advised against it while the investigation was ongoing. I have been told to continue making my minimum monthly payments and remain silent while they investigate, or else my credit will be impacted due to my refusal to pay a balance that I do not owe. I want this matter resolved as soon as possible, and I firmly believe that as a credit card holder, I have the right to expect a satisfactory resolution. I am not satisfied with being essentially told to "shut up and keep paying while we investigate". When I asked to speak to a manager, I was rudely informed that the person I was speaking to was a manager and that there was no one higher up to address my concerns. He even shared a personal story about himself and his mother being victims of identity theft, implying that it happens frequently and is not a big deal. I find this attitude concerning, especially coming from an agent of a credit card company who should take the issue of possible identity theft and fraud seriously. At this point, I demand that someone at this credit company takes this matter seriously. I do not want to hear feel-good stories or empty promises. I want action, and I expect this credit card company to uphold their ethical standards and business motto. It is unacceptable that my hard-earned credit history and good name are being affected while this credit card company continues to investigate. I have absolutely no confidence that Capital One will honor their word and remove these fraudulent charges from my account. I am prepared to escalate this issue until it is resolved, even if it means involving external parties. This behavior is illegal and highly unethical for a customer service agency. The claim that they are customer-oriented is a complete joke. I will not remain silent and pay for something I do not owe, and I refuse to be a victim of Capital One's unethical business practices.

I contacted Capital One to dispute a flight ticket that I purchased for an undisclosed amount on March 14, 2020. The flight was supposed to take place on March 21, 2020 from [origin] to [destination], with a layover in [layover city]. However, both segments of the flight were canceled by the airline due to the coronavirus pandemic. After three months of trying to contact the merchant, I filed a dispute with Capital One because I paid for a service that I never received. I provided all the necessary documents to support my claim, including the flight cancellation notice from the airline, the airline in question, and all communication with the merchant, the travel agency involved. Here is a summary of the dispute:

After receiving the cancellation email from the airline, I reached out to the travel agency on March 19 through their online portal to inquire about receiving a refund for my canceled flight. Unfortunately, I did not receive any response. On June 18, since I still hadn't heard anything, I reached out again to inquire about the refund status. Only after filing the dispute with Capital One on June 25 did I receive a response from the travel agency stating that "Unfortunately, the airline does not offer the refund option." However, this information is false. To prove this, I sent a screenshot from the airline's website, which clearly stated that they were issuing refunds for canceled flights without any mention of fees or penalties. After sending this information to the travel agency, I received a response on July 1 stating that "In response to your request, we inform you of the fare conditions established by the airline in the event of a cancellation: 134 euro per passenger penalty fee and 50 euro per passenger for an administrative fee." However, these fees were not mentioned anywhere on the airline's website.

I proceeded with the transaction dispute with Capital One and received a request from Laura at the travel agency to cancel my dispute so that the company could manage my booking. I responded by stating that I should not be held responsible for paying penalty and administrative fees for a flight that was canceled by the airline and for fees that are not listed on the airline's website, as previous correspondence has stated. I also mentioned that I was given false information initially, stating that the airline does not offer refunds, when in fact they do. I made it clear that I do not wish to cancel my dispute and do not want to proceed with processing a refund with the company, as they would only refund me a partial amount out of the full amount I paid for the ticket, for a flight I was never able to take.

On July 27, without my authorization, I received a chargeback from the company for the transaction, along with additional fees. The transaction I am disputing is for the full ticket amount and the new charge is for an additional undisclosed amount. After providing all the information mentioned above to Capital One, including the cancellation notice from the airline, which had the same confirmation number as the receipt from the travel agency, all correspondence with the travel agency, and the airline's refund policy, Capital One informed me that I had not provided enough evidence. I was under the impression that the Fair Credit Billing Act provided protection to customers for issues like this. According to the FTC's website, the dispute settlement procedures only apply to disputes about billing errors, such as "charges for goods and services you didn't accept or weren't delivered as agreed." How does paying for a flight that was canceled by the airline and a travel agency that is refusing to cancel my booking from March not fall into this category? I agreed to pay for a service (a flight from [origin] to [destination]) and it was not delivered as agreed (the flight was canceled, and the travel agency is refusing to cancel my booking in their system and holding my money hostage). I have exhausted all my efforts with the travel company, which is based in Madrid. As a US citizen, there is only so much I can do, and the canceled flights never touched the EU or the US, where it is mandatory to issue full cash refunds. Where are my protections as a credit card consumer? How can I be held responsible for paying for a service that was never delivered to me?

My complaint is regarding a credit card issue.

To whom it may concern,

I am writing to formally complain about the harassment my company, JY Products, has experienced from your organization. In April, we reached a breaking point with your bank, Capital One. Every time we called customer support for any reason, they made our lives incredibly difficult. Despite giving full authorization to my Accounts Manager, ***, Capital One refused to acknowledge her and treated us with resistance whenever we called about the matter. After numerous attempts, we were finally able to get her a debit card with her name on it. However, when the card was close to expiration, I called to request a new one for her. The representative on the phone refused and claimed that she was not authorized to have a card. Later that day, we discovered that they had frozen ***'s card, causing a great deal of frustration as she relies on it for daily business transactions and bill payments. Capital One put us through unnecessary difficulties, treating every request for assistance as if it required approval from the President. I cannot fully describe all the problems we encountered with your bank in this letter, as it would be too long to read. No customer should be treated the way we were. Your organization needs to be completely restructured to focus on serving customers rather than tormenting them.

After years of dealing with Capital One's frustrations, we decided to move our account to another bank on April 10th, 2023. We closed our accounts in May, but we were unable to close our line of credit due to an outstanding balance. This is where the nightmare continues to haunt me. In late April or May, I began making arrangements for this line of credit. I tried to link it to an external account at our new bank so that we could make payments. When I called for assistance, I was told to log in to our account and click on the "external account" option. However, when I attempted to do so, I received a message stating that our account was not eligible for this feature. I called again and was informed that I would have to call monthly to make payments. I refused to accept this and insisted on finding a solution, even though I was short on time due to work. I continued to call, hoping to resolve the issue. During one call, a representative informed me that there was a request form I could fill out to request an "external account link." I waited for days to receive the form, but it never arrived. I called again, and this time I was told that they could email it to me. This process caused me a great deal of frustration. I filled out and mailed the form provided by Capital One on October 7th, but there has been no progress on your end. Last month, when I called to make a payment, I asked if my form had been received. They confirmed that they had it but stated that it would take a couple of payment periods before it could be implemented. However, today, on December 1st, 2023, I received a call from Capital One stating that we were 14 days late on payment. It has now been two payment cycles since we mailed the form, and there has been no progress.

Furthermore, I must explain today's event, which has led me to write this letter and refuse to tolerate this harassment any longer. During the holidays, our business debit card at our new bank was compromised, and the bank had to close it. I am currently working in *** for a while but was home in *** for the holidays. When I flew back, I had no choice but to leave my debit card in *** for *** to use because bills and day-to-day business cannot wait for a debit card to be mailed. Today, when I was on the phone with a Capital One representative, I informed her that I would make the payment and continue trying to set up auto-pay or something similar. I reminded her that I did not have the card with me and that I would call *** on a three-way call to have her read the card number for payment. However, the representative, Lia, asked me if I was giving *** permission to discuss the matter on the phone. I confirmed that I did, but then Lia informed us that the payment could not be accepted because the card number had to be read by me. I was extremely frustrated and told Lia that I was ending the call. I cannot continue to endure this. It feels like Capital One is refusing to work with us and instead chooses to harass me for payment. I will not be satisfied until I sever all communication and ties with Capital One. Furthermore, considering how we have been treated, I believe it is not unreasonable to consider legal action to recover the remaining balance on the account. We have made more attempts than any person should have to make to pay something and remain responsible. Capital One is an unethical organization that should be held accountable.

Lastly, I demand that all fees and any claims of late payments be refunded or removed immediately. I will not allow you to ruin our business credit due to your organization's incompetence. Unfortunately, I cannot provide you with a full account number because I cannot view statements online, and my paper statements only display the last four digits. It seems that obtaining this information requires a great deal of effort, similar to calling the White House.

This complaint pertains to Account number: ending in ***, Account owner name: Omegar ***, DBA: *** Products.

Thank you for your attention to this matter.

Sincerely

On September 3rd 2023, I opened a online bank account with Capital One. At the time they had a incentive bonus of 350 dollars. As long as you made two direct deposits of at least 250 dollars, within 75 days, you would receive the bonus. I used the social security direct deposits of my wife's and I. Because the government takes their time, the deposits went in at 78 days. I have called customer service three times, and they say, sorry cant help you. I did everything I could to make it work, it just seems strange, that they are so adamant.

I had a $935 credit for Alaska Airlines as I needed to cancel my flights [PDX to OAK, Dec 29th - Dec 31st roundtrip]. When using the credits to book one-way tickets [Pdx to oak on dec 29th] for $134 each, they ended up charging me $428 for each ticket (I purchased 2). When asked by I didn't have $667 in credits to use.

They said that the prices were subject to change, and they didn't update me that it went from 134 to 428. Additionally, they said by booking I forfeit the rest of my credits.

How is that possible? They upcharge me and I loss all remaining credits. Capital one had poor resolution to helping me as a customer. They offered me $30 in lieu of the $667 that said I gave up.

I have recieved a link to upload my Government Identification. I have a Native tribal enrollment card. I belong to a Federally recognized tribe. We are a sovereign nation. This identification is all that I have, it goes against my civil rights as a Federally Recognized member of a Federally Recognized tribe. My government ID includes a picture, issue date, expiration date, signature, and a address. The TSA accepts this identification, so does law enforcement. There is no reason your company can't verify my identification. Social securities IDme.com even accepts my id. IRS accepts it. I have birth certificate and other documents. I look forward to resolving this issue, without having to seek further legal advice.

Thank you

Mikhael E. Bigwitch-Mills

also the 3rd picture included is a web capture from https://roadmap.rootandrebound.org/tribal-issues