Capital One
reviews and complaints

I had a fraud problem. My card was canceled and a new one was to be mailed to me per a letter from you. When I did not receive it, I called and told that it was not mailed and would be express mail to me with charges dropped because of problem. After 3 days I called and told that it would be at my home address by Wed. Did not happen. I called 2 months into getting my replacement card. Now I am told that I have to fax my ID. Reach I did. I called and told they could not read it. I was given address to mail it. I mailed 2 weeks ago. Called today, told they don't have it. I have been lied too 4 times by employees, not trained right, and by letter form by Capital One.

I am making payments on a number of cards I don't know or can use.

WHY WHY WHY WHY.

I bought ticket to a concert that was delayed because of Covid, it was rescheduled for the following year and was again canceled because of Covid.

In the meantime I changed credit card companies. I got word that the rescheduled concert was canceled for good and a refund would be sent to the Credit card on record. Since I no longer have the same credit card I have not received my refund. After numerous calls I received a complaint case number and was told I would receive the refund in around 60 days, after 60 days I called and was informed the check was mail weeks before but I didn’t receive it.

I was giving another case number and was told I would receive my refund in another 60 days.

So after another 60 days I called Capital One about my refund and was told that they have my complaint but can’t find my payment and I was told that no refund was ever sent or processed and they would have to open another case file.

I have experienced 3 different incidents with my Cap1 accounts. I have taken photos on my cell phone of all transactions in question. Most recent as of SEPT.1st account mobile and email alert notifications for cashed checks and withdrawals disabled. Before that double debit charges. The first incident NO mobile alert for very 1st pension deposit. It WAS set up to alert on mobile and email. NO ALERTS. I moved my pension from WesBanco for similar activity. I have had to move my pension 6 times since 2014 from questionable activity by online CSR's. It has been nothing short of a nightmare. IT MUST S T O P!

Apparently, while it is not made clear to the customers, You are NOT allowed to amend any car or hotel reservations from a current booking...rather they force you to cancel and rebook the reservations at a substancial increase in price.

When trying to cancel a hotel reservation I learned about some booking site that made the reservation that is totally not under Capital One's name!...no where does it explain that they are not involved with the actual booking.

On an attempt to change a rental car reservation, again, they want me to cancel the existing reservation and rebook at a over double the cost for the same date!

Lastly, you can't book a 'multi stop' airline reservation as they don't have a system in place to do so.

As I recently converted customer to Capital One Travel, I am less than impressed with this service.

I'm Done!

They refused to consider our history of consistently paying off the statement balance from month to month. A charge put us over our $40k limit ($4k) hit the card the same day as the payment ($23k). They would not cover the charge until payment cleared. They declined the charge even though they could see the payment pending. We have been with them since 2013 and always pay the statement balance & have never had a payment returned. They should take that into consideration - there should be room for consideration - not just " I'm sorry you feel that way. It's our policy". This is poor customer service - way to treat me like I'm nothing!

Capital One refused to settle disputed charges from a HVAC installer where 9 code violations were noted along with failure to obtain the required permits for HVAC installations. The installer is subject of the State Licensing Board review due to numerous complaints. June 21, 2022, the NC Board of Examiners of Plumbing, Heating and Fire Sprinkler Contractors responded to my request (File Number [protected]) and on June 27, 2022, State Licensing Board and Polk County Building Inspector visited our home to inspect the work done by Blue Ridge Heating and Cooling LLC due to the complaint I filed with the State. A total of 9 code violations are noted in the Affidavit from the inspection conducted on June 27, 2022. I was advised to contract with another contractor to address the mechanical issues noted during the inspection and the proper mechanical permitting is still required.

A reputable HVAC contractor is now employed to service and make repairs to both HVAC systems and the Spring service and inspection was conducted July 22, 2022, and the findings of their inspection concur with the State Inspectors and are included in the documentation. The cost estimate to make the required repairs to bring the systems up to code and submit the proper permits is an additional 3405.59$. This information has been submitted to Capital One and yet they refuse to find the contractor at fault.

The New System Warranties and Maintenance provided to us by Blue Ridge Heating and Cooling have not been honored nor has the Satisfaction Guarantee which clearly states: “We want you to love your new air conditioner. If you are not happy with your new system for any reason, we’ll replace it under our 2-year satisfaction agreement”.

Blue Ridge Heating and Cooling LLC breached their contract and also failed to pull required mechanical permits with the Polk County Building Inspection Department for the mechanical installation of both units under dispute. This is an unlawful act and is in breach of System Warranties and Maintenance Agreement and yet Capital One doesn't consider this adequate to return the disputed funds.

Blue Ridge Heating and Cooling also states in the Warranties and Maintenance Plan that all new systems come with a 10 year Warranty on parts and labor (refer to “New System Warranties which also states “Satisfaction Guarantee we want you to love your new system if you are not happy with your new system for any reason, we’ll replace it under our 2 year satisfaction agreement” Their contract also guaranties Blue Ridge Complete Care and Maintenance Agreement will “perform comprehensive tune-up twice a year. Of note the Lennox Systems which were the original equipment were replaced with second or off brand equipment manufactured by a third-party Nortek who most likely will not honor the warranties because of the installation errors. Again, Capital One Sided with this dishonest merchant despite the Breach of Contract

Mailed my payment on 08/02/2022, repeatedly checked to make sure my payment went through. On the morning of my due date(08/16/2022) I called to see what was going on? The CapitalOne employee (Maines) said it must be lost in the mail because they have no record of payment, I told her I didn't want to have a late payment on my record and a late charge so we had had better pay electronically. We made the payment and the next day I checked my bank account and noticed I was charged twice, the electronic charge and the check was processed. I called and talked with a CapitalOne employee (Andrew) he told me that my check arrived and was processed 8/5/2022? Why didn't Ms. Maines know that on 8/16/2022 when I called? She let me double pay my bill, and now I don't have $1279.94 in my bank account that I could use. Now I'm told that I have to wait 10 to 14 days to get a refund check! I'm being financially impacted by a mistake that an employee of CapitalOne made.

Capital One is a bunch of sadistic scoundrels. The whole system is not a bank. This business was established to defraud clients out of their money. This is a piece of the KGB Putin's Mafia, which stole money from the Russian people to use here in the US to rip off Americans for even more money. Do not talk to Capital One, there is no help anyway. Stop supporting their 460 feet, eight decks yachts, submit a complaint to the US government, submit a complaint Office of Financial Regulation (OFR), submit a complaint to the FTC, and submit a complaint to the Consumer Financial Protection Bureau (CFPB). Do not be afraid. You have nothing to lose.

https://www.ftc.gov/#/assistant

https://www.consumerfinance.gov/complaint/

https://www.usa.gov/complaints-lender#item-35522

I received from CapitalOne, responses in reference to dispute No. [protected]/13/2022) and [protected]/03/2022) for a purchase that was made on 01/20/2020 in the amount of $1,112.79 for tickets to a Celine Dion’s concert scheduled on 06/03/2020 in Europe. Event was first postponed due to Covid-19 in 2020, and then postponed 3 times/3 years due to Celine Dion’s health. CapitalOne’s argument is: 1)I am over the limit from 60 days of purchase date, and 2) their decision is based on the terms and conditions from merchant. Baseless decision because 1) the event keeps postponing, and 2) the terms and conditions do not disclose that the event can be postponed many times and MANY YEARS later.

I am not going to settle for these responses from CapitalONe for the following reasons:

1) CapitalOne is not even bother and/or paying a serious and legitimate attention to this matter. They do not want to spend the time or the resources to investigate this dispute properly.

2) 60 days after purchase to be a valid dispute means that on/or before March 20,2020, I HAD to make a dispute on this purchase. When I purchased these tickets on January 20, 2020, and even on/or before March 20, 2020, I had the FIRST GOOD FAITH & INTENTION to assist to the concert on June 3, 2020. Unfortunately, in April/May,2020, the whole world was shot down due to covid-19. Therefore, the concert was postponed to May 27, 2021.

3) When traveling was allowed again, I had THE SECOND GOOD FAITH & INTENTION to assist to the concert on May 27, 2021. Then, the concert was postponed to June 26, 2022. This time due to Celine Dion’s health.

4) With no impediments, I had THE THIRD GOOD FAITH & INTENTION to assist to the concert on June 26, 2022, but the concert was postponed for the 4th time to March 9, 2023. Again, due to Celine Dion’s health.

5) In summary, 3 times/3 years, I had good faith & good intentions to assist to the concert in Europe, and I had neither a reason nor any intention to make a dispute against this purchase before or on March 20,2020 or even before May 3, 2022 when I got the 4th postponed date.

Any consumer protection law and any court of law in the world would agree with me that this act is a deceitful, unfair, and unlawful practice against my rights as consumer. CapitalOne’s reason to deny this dispute under the 60 days and the terms and conditions of the merchant is baseless.

The bases for this dispute should be:

a) Any event that is re-scheduled should require that re-performance should happen within a reasonable time and without significant inconvenience to the consumer. It has been 3 years, and the concert isn’t happening.

b) IT is obvious and clear that the longer the delay, the greater the risk that:

• The event will never happen for some reason. Somehow this concert has not been cancelled in Europe (in USA was cancelled) because once cancelled the promoter has to refund the money. There is a chance that the promoter may become insolvent and unable to refund; therefore, dragging the concert with these postponing dates forever and making for consumers impossible to recover their money.

• That the event will be different in a significant way. It is already happening by changing the date/year to a date/year making it difficult for consumer to assist (either because they can't longer go or they are not willing to go). Celine Dion's health is deteriorating, and her perform may never be the same.

• I will be 66 years old next year when the last postponed day is set on Switzerland-03/09/2023. My health and financial circumstances had changed considerably in 3 years. I can use this money in more relevant and necessary purchases today.

• There is a moral issue. The desire to assist to this concert doesn’t longer exists. For 3 times and for 3 years, I had good faith and good intentions to assist. Enough is enough. How much more longer is this going to go on?

Opened a new credit card at the end of April 2022 and used it regularly for most purchases to earn points. Since I used it for most everything, I linked the card to be used for most of my bills, insurance, gas, subscriptions, etc. and made weekly payments on it to keep the balance down and have funds available. I owed a total of 3 payments during the time I had the account open for May, June and July. I made a total of 18 payments during those 3 months, never even having a payment come due, let alone go past due. There were 2 payments that were returned due to issues with my bank and because of those returned payments Captial One decided to close my account. I called them about 5 weeks ago to address the problem and I was told that it was closed due to multiple returned payments. I explained that it was a banking issue, and I could provide documentation saying as much. The agent told me that she would elevate the issue to the proper department, and they would reach out to me in 7 to 10 days. I finally contacted them myself today after 5 weeks. After 3 hours on the phone, waiting on hold as I was transferred from department to department, I finally spoke to someone who told me that the account closure was permanent and there's nothing they can do. I explained, again, the entire ordeal that I've made weekly payments on the card and never had any late payments or other issues besides returned payments because of my bank. Explained again that I could provide those documents and I would gladly pay the balance down as much as necessary if it meant the account could be reopened. However, I was informed that Captial One has a "strict policy" regarding returned payments. When I asked why I wasn't told how strict the policy was over a month ago when this whole thing started, I was told that they can always "make exceptions" and "try to advocate for their customers". When I asked if they could possibly make an exception in this case, she went back to the "strict policy" story. I asked how the company can have a strict policy while also making exceptions and got no answer. So thank you Capital One, as a former customer I'd like to express my sincere gratitude for all the "help" you provided me. Needless to say, I feel like you definitely "advocate for your customers". While I was fully prepared to pay off the account to get it reopened, I will instead be making the minimum payment each month until the balance is paid off or my account is reopened.

Credit card CC are declined by Capital without reason or cause. I attempt to purchase a product or service wiothin my credit allowance and Capital declines the purchase. They say they are protecting the card against fraud however when I use my card within my limits it is not fraud. PLEASE DO NOT DECLINE MY PURCHASES OR AT LEAST GIVE ME A WAY TO RESPOND THAT I AM THE ONE MAKING THE PURCHASE.

I purchased and event, it was never refunded though vendor advised she was working on it. Spoke with Capitol One they issues a provisional credit, but I have been unable to access funds. I contacted Capitol One today and was advised that I can't access funds until the investigation process is complete.

The following are excerpts from my email communications with the Event Vendor: Brendisia Veronique

July 23

Unfortunately, the August 5, 2022 event has been canceled due to circumstances out of my control. Rest assure I’m am working on issuing you a full refund immediately to your credit card.

Thank You

Brendisia Veronique

July 23

Simultaneously, I’m working on it as well getting you refunded for the August 5, 2022, event.

Thank You

Brendisia Veronique

I have fraud charges against my back account and Capital One refuses to overturn and resolve the issue. I have had the same bank account for almost 30 years and have never had this problem before. Now I have placed the account on hold because they are adding overdraft fees on these fraud charges against my account. I demand something be done about this. Its not fair for a consumer to have fraud against their bank account and Capital One assist in such actions. We as consumers should be protected by our bank not be used in a fraud scheme. I have even gave Capital One proof of the fraud. One just has to google the company.

I recently came back from vacation with my family. Prior to leaving, I received an email from Capital One advertising their card offering 5% cash back on hotels and rental cars while traveling. I called Capital One directly to advise that my family had a vacation booked and that we were leaving in a few days. I wanted to know if I used the card to pay when I arrived, would the resort qualify for the 5% cash back. ($1785.00 purchase) I was told yes that it would qualify. After coming home from vacation, my account did not receive the 5%. I called and was notified that I needed to book the vacation through the Capital One Travel site in order to receive the 5%. I advised that I was not informed of this information prior to leaving for vacation. They did not take any responsibility for the customer service rep giving me false information. They advised me that if I searched under their website, I would have known that. They said there was nothing they could do now that the transaction was already made.

A few months after my husband died, I was scammed and gave out my capital one card info. Fortunately it was only $100 charge that I am responsible for to date.

I immediately called Capital One after realizing what happened and reported what had happened. They had me send in a copy of my drivers license through email. I did this at three times and they still say it is not clear enough to read the code on the back. I've sent in two copies of the same id by u.s. mail and still they are saying it is not sufficient. Then after harrassing me about this for five months, they are saying because I willingly gave out my credit card information, they will not refund my money.

Is their anything I can do to get my money back?

Sir/Ms, my name is Gary Prager. I have a checking, couple of savings accounts and a credit card with your bank. In one of my accounds I have in excess of $400,000.

My primary bank recently would not waive an annual fee for me which they have done in the past. For many years I utilized that card frequently with significant purchases/charges, (= record keeping). Never a late payment, often early.

So I decided to go with you Savoy 3% reward card. I applied and was denied. First time in my life I was denied a credit card. 811 credit rating and I remind you, "excess $400,000"

So as a result of that denial I will now be relocating that $400+ to another bank.

Just thought you, and more specifically the [censored](s) who denied me, would want to know that.

Thanks

I reported possible Identity Theft and the theft was by Capitol One. I simply reported possible identity theft. I NEVER REPORTED ANYONE! I just wanted to change my card. Capitol One comes in and selected individual transactions and tells me these merchants have been identified with Identity Theft and you have been reimbursed. You will receive 623.00 credit to your account.

June 24, 2022, I called to question a couple of charges and to request a new credit card. Capital One contacted me and told that there are numerous fraud charges on my account statement, and I will be reimbursed. I did not report these charges; this was their assessment. I assumed Capitol One knew what they were doing. After all, this is their job. Later, on Jul 12 and 13, I saw multiple purchase adjustments where the charges were reapplied to my account. So, I reviewed my at-home ledger. I never reported the charges as fraud.

Capital One then tells me that these were valid purchases. I never reported these charges as fraud. All of these charges were listed in my at-home ledger. I never would have reported these as fraud. This is ridiculous! I believe there is some sort of language barrier between your clients and your employees because it is very difficult understanding them while speaking to them on the phone. Now, even items I never reported as fraud and have returned to the store are listed as purchase adjustments.

Once this is cleared up, I am canceling Capital One and I want that 98.00 annual membership fee refunded (May 16) for Walmart Membership. This is where this all this began. I believe the Walmart employees and are at the root to all of this.

At this point, I do not trust this account, Walmart or Capital One.

I went to make a purchase today I received a text asking if it was me I said yes the card still declined I call them they say it's cause of suspicious activity even after replying to the text saying I was making the purchase. I go through all the charges and verify they are from me they say I can use it. I try to make the purchase again still declined I call back again and was told the system detected fraud and deactivated the card a few days ago. They never called emailed texted nothing just waited until I tried to make a purchase and call them to see what's going on and then tell me it's been deactivated a few days ago. I told them I just talked to someone they said it was good to go now they say nope we have to send you another card even though I confirmed every charge. They don't even know what's going on one says it's able to be used since I verified every purchase and the other saying it's been deactivated for a few days now. They can't even get their stories right. The deal is that if I made this purchase today I would receive a $600 discount I told them that and asked if they were going to credit me $600 since they just screwed me out of that since I'm not able to make the purchase today they just said nope not their problem the system detected fraud so not going to do anything but send you another card. I have auto pay set up on a lot of accounts with a couple coming up in 2 days but the new card won't even get here in time plus now I have to go through and change the card # on all the auto pay accounts set up.

Payment was posted to my account from someone I don't know. Have called Capital One and they don't understand. There has been a restriction placed on my account. Want payment returned to owner and restriction removed.

Yesterday 7/15/2022 I got an email that my credit card payment was past due. I DID NOT receive a bill in the mail. I immediately tried to go on line to pay it and couldn't get on the Capital one site so I called capital one. They kept me on hold for a long time saying they were checking to see if they could take it off, when they came back on they said no they could not remove the late fee. I did not receive a bill and don't feel I should have to pay a late fee and then the online site not accessible. Very dissapointed with Capital one.