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Capital One
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1.7 1033 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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Capital One reviews & complaints 1033

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7:34 am EST
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Capital One Capital one credit card

I have 4 different capital one credit cards, and on three different occasions they have said it was suspected fraud and shut all cards down, there was no suspicious activity any time, used it in my home town, and it takes an act of congress to get all 4 cards reinstated. This last time I called spoke to three different people and had to give them the exact same info all three times, and the last one was a manager and they just hung up on me after I explained the situation. When you use these cards for your business this can cause a huge problem. Oh and I pay all payments on time...every time...good credit. Will be finding more dependable cards...very frustrated, have points and can't redeem them when card is in this status...

Desired outcome: reinstate the cards without a hassle don't shut them down to begin with

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1:32 pm EST

Capital One Representative

I was on the phone with a representative and she was extremely rude I don't even think she gave me her name. What made me mad was that she didn't even try to help me. Story of my life. Why get a job that is all about communication if you aren't even going to bother to communicate.

Desired outcome: She hung up

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11:58 pm EST

Capital One somebody tried to open an account in my name online

on December 17 2021 somebody tried to open account on your web site using my name I talk to experian ant they told me to contact you that was a fraud
thank you

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6:18 pm EST
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Capital One Customer service

My credit card was discontinued due to the fact that Hudson's Bay company and Capital One finished working together. I have a Credit of 799.14 on my old Hudson's Bay MasterCard. I've call continually over the last few months trying to get my money back and people and automated voice mail keep saying 60/90 days. I spoke with someone 2 months ago and apparently it wasn't added to my file so now I still have to wait 60 days and seriously I don't believe I will ever get this money back. They tell me today that It's finally filed on line and that I will. It's been the worst customer service experience in my whole life. And I'm not young.

Desired outcome: Send my my money

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6:23 pm EST

Capital One Credit card

1. I have a Capital One Venture Card. I have never made a late payment in my 20+ years as a customer. 2. I have set up through my bank to have the same amount electronically remitted to Capital One each month, on the same day (ie. every 30 days), to more than cover any minimum payment that may be due on the card for a month's transactions. There is no dispute that my payments more than cover the minimum payments required by Capital One. To my knowledge there has never been an issue with the timing of these payments, relative to the Capital One billing period in the past. 3. Recently, Capital One received my payment due November, 2021 on October 13, 2021. My December payment, which my statement said was due on December 6, 2021, was sent by the bank on November 11, 2021, one day before the end of what Capital one claims to be their billing cycle. 4. Because the automatic payment from the bank was sent one day early (because of an upcoming weekend), Capital One claims I made no payment for December at all. To punish me for this they have: *Locked my card indefinitely *Charged me a late fee *Reported me to credit agencies as a delinquent customer 5. Capital One refuses to remedy this error. Capital One claims that unless I make a payment directly to them, by allowing them access to withdraw funds directly from my bank account, they can and will continue to suspend my ability to use the account indefinitely. 6. The bank from which I make my payments has verified to them that funds for the Capital One bill due on January 6, 2022 have been removed from my banking account and have been transferred to Capital One as of 12/13/2021. They also verify that according to their records, no payment has been missed in the history of electronic payments made by the bank to Capital One. 7. As of 12/14/2021, Capital One themselves show that the funds have been received, but continue to tell me that the card is frozen indefinitely for non payment. They insist that it "takes a few days" to process the payment, and therefore they will not release the card for an indefinite period of time, and refuse to give me a date when that might occur and when the errors will be corrected and my good credit history etc restored

Desired outcome: Unblock my account, respond to my inquiries, refund money owed to me due to fraudulent practices

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11:30 pm EDT

Capital One taking from 07 dec to 16 dec to receive a replacement card

on 07 dec cap1 called and e-mailed me about a false useage on my card. they cancelled the card i have and told me they would send me a new card due 16 dec why would it take so long to get a replacement card do you not care for your long time customers like myself what a joke

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2:54 pm EST
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Capital One Auto loan

Since the first month I bought my car I have had to spend over an hour every single month to get these bozos to process my payments. They accept the payment, then a few days later I get the message "your loan needs urgent attention". There is always more than enough $ to cover the payment, and always on time!
I have given them 2 different bank accounts to draw payment from in an effort to help with their ineptitude. I called both of my banks and asked why they aren't t releasing the payment to Capital One and both of them say that Capital One is NOT requesting the payment.
I am at the end of my rope and now considering letting the car go back to them to gain some peace of mind! They also try to add late payments when it has NEVER been late..
HELP!

Desired outcome: Get this crazy company some instruction on handling accounting.

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4:41 pm EST

Capital One closing card

i find it insane that after you close your card with balance you are still charged interest. I've closed numerous cards and all you pay is your balance not more interest. never again will i have a capital one card. i even called to try to get a resolution and there was no help what so ever.

Desired outcome: stop the interest

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12:16 pm EST

Capital One Free Checks disappeared

I have been a customer for probably 40 years - I started with Chevy Chase Bank & it was bought out by Cap One many years ago. My account had free checks from day one. Now they want to charge me for checks & say they changed my checking account on me without my authorization. I keep a very large balance in my account, plus I have a savings account, a money market account & my visa with them. I am disgusted that they would treat a customer this way.

Desired outcome: Reinstate free checks for me

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9:08 am EST

Capital One Late Payment Charges

My autopay was setup to pay for months over and above the minimum amount. The min. went up in November and exceeded my payment amount by $7. I was charged a $40 late fee. The customer service manager(Mark) was very brief and not helpful at all. I asked if he could see when my account was created (2007) and that I was disappointed with this fee. He refused to reverse the charge and was completely ok with losing me as a customer and walking away with Capital One.

Desired outcome: Refund late fee

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4:18 pm EST

Capital One billing

There were two charges on my Capital one credit card that I did not make to Amazon. The charges were reversed then two weeks later Capital one put them back on my account. Amazon has no record of the charges to my Amazon account so how do I prove that I did not make them?
my wifes amazon account was charged for the same items. So we are being charge twice for the same items.
october 26 Amazon.com V46zk3303 and oct 23 Amazon.com 2Y3Pf9DJO
I did not make these charges, but no one at Capital one will listen to me. I will NEVER use their credit card again. I have paid the bill and cut up my card. When I click on the charges on my bill, my wifes Amazon account comes up. The Amazon account has been paid and now capital one is charging me for the same items. I know nothing will be done, but maybe other people will not get screwed like me, if they are thinking about getting a credit card from them

Desired outcome: Charges taken off my bill

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12:20 pm EST
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Capital One Personal Checking Account 63 30 1775 1

I have been banking with Capital One Bank since 1985 with whom I have 6 different products . On November 18, 2021 my personal checking account #63 30 1775 1 was locked unbeknownst to me. Two checks were denied so far. When I inquired about the situation an extremely rude agent in the Case Review Department claimed that Capital One Bank did not want me for a customer. He treated me as though I was a villain and obviously not interested in discussing a solution. He was extremely obnoxious and demeaning. My concern is that this account consist of 2 direct deposits (My Social Security and my wife's Retirement Benefits). Also two automatic withdrawals for my (Life Insurance and my Health Insurance). All four transactions are at this time of month. My life insurance benefit is $120, 000.00 which I cannot have it canceled for lack of payment. I'm 79 years old. Also I can't have Blue Cross Blue Shield canceled. Will this account accept the two direct deposits and they be available to me? Please help me resolve this situation.

With regards,
Joseph R Guercia

Desired outcome: Unlock checking account.

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7:18 pm EDT

Capital One Unclaimed account

I'm Trying to find out about 2 accounts I had with ING DIRECT, I WAS A ORANGE MEMBER SINCE JULY 2005. THANK YOU THERESA BELL MYERS [protected]. I need for someone to contact me. THANK you. Theresa Bell 100 kearsney ct.#A2 Dover DE 19901

Desired outcome: PLEASE contact

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5:14 pm EST

Capital One Credit card payment late fee

Richard E Pulley
3085 Commonwealth Drive, #2223
Spring Hill, TN 37174
[protected]

Card ending in 8138

on Friday November19th, I tried many times to connect to your payment number and got a recorded message asking questions and I kept getting covid 19 info or was told to hold for representative, then I would wait until I was disconnected each time, When I finally got through I spoke to a nice lady to whom I explained my problem getting through. She took my payment and told me if I was charged a fee to call back and it would be removed. I called back today and your supervisor denied the request and I asked to talk to her suoervisor and she said "NO" Would you please return my $23.00. My account is over 9 years old.

Desired outcome: To have the $23.00 returned to my account.

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9:18 am EST

Capital One False Advertising of 0% APR for 12 months

I am filing a complaint. I purchased a dining set from West Elm and opened a capital one card to finance it at 0% interest for 12 months. West elm charged it in pieces a large portion of which fell outside the promotional period. When I called to resolve the issue, they spoke to west elm, validated what I said, escalated it, and refused to honor the agreement. In addition, they said whatever I pay goes towards the promotional balance first, meaning that I have to pay in full as to not incur any costs - this makes the promotion a [censored]ing scam as I can't even get it for the full 12 months. I am paying in full, canceling the card, and telling everyone that this company is fraudulent. I have never in my entire life dealt with a company like this

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2:53 pm EST
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Capital One West Elm CC rewards program

I purchased a couch at West Elm in October 2020. I earned $175.00 in rewards certificate. I used $56.63 at some point on a purchase and still had a $119.37 balance. I tried to use the balance recently from certificate [protected] issued 10/30/20. When i called West Elm customer service kept me on hold for 45 minutes. We then realized the certificate was issued under a Comenity Bank cc # ending in 3388. When Capital One had the change of ownership from Comenity i was issued a new CC ending in 6531. I was then transferred to a RUDE customer service rep named Marcia who informed me the rewards dollars expired and Capital One is not responsible for the balance and then hung up on me. I would like the rewards dollars re-instated. If I do not get a satisfactory resolution I will cancel all my credit cards with Capital One including Sakes, GM, Neiman Marcus and West Elm.
Await your reply. [protected]@aol.com

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12:49 pm EST

Capital One Credit card

I notified capitalone on September 16th, 2021 about my change of address and to pay my bill of $46.47 and request a written account bill as of that date . Since I did receive my written statement to my new address
On November 9th, 2021 I get a call from capitalone credit card department asking for more information but wouldn't say why .
Again I give my new address and the old address as well with the exact phone number, I am ask to give the girl at the end of the line for my social security number and I answered I'll give you the last 4 numbers, after 5 minutes of complete inadequacy I'm never told why all in the sudden am I going thru this and never got answer .
I called a 2nd time and go thru the same scenario then after another 5 minutes and being told over &over by this person I need to verify . Verify what exactly?
Still, now I'm told there are restrictions on my card without knowing, capital one can not be depended on .it is easy for anyone there to stop your credit card, this has happened 3 times without any reasons in the last year, why did it take capitalone 2 full months to verify what? I've been a customer for 20 years plus and how incompetent their staff is unbelievable and can barely speak English is just plain unacceptable as far I can remember I still live in the United States of America
I don't wait 2 months to pay my bill because I want to verify you, in case of emergency I would not depend on this credit card to assist me when I need it most .
I would expect English speaking agents and competency should be optimal, you are playing with people credit line and this can not be tolerated .

Desired outcome: First speaking English agent and an explanation why it took 2 months to verify what? My address? 2nd an apology for the waste of time and the frustration I had to endure

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4:31 am EDT

Capital One master card

Have been trying for days to contact them and wait on the phone for long periods of time to be put over to a voice mail that is full and cannot leave a message.

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9:12 am EDT

Capital One I received notice to continue my capital one card. I was successful then within 2 weeks they cancelled my account.

I received notice to continue my Capitol One card. I was successful, I received my new card via mail. Then within 2 weeks they cancelled my account. This is so outrageous, I called customer support, (they were able to locate my *closed account) via the last 4 account digits, and then said it was closed and was not able to open it back again after just sending my new cards that would not expire until 4/26.
Capitol One was very happy to take the interest for a loan transfer of $30.000 in the beginning but can't seem to leave an account open once I requested it to be kept open.
The right hand doesn't know what the left hand is doing, soo SAD. The rep I spoke too was polite and helpful (to the extent she was able) but left me very unsatisfied with the outcome.
I want someone to contact me at [protected], and via email [protected]@sbcglobal.net so I can get some better understanding how you really care about your customer.
Sincerely Chris Maxton
re: account ending in 3390 Last 4 of SSAN 9920

Desired outcome: To be contacted and give a responce

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12:30 pm EDT

Capital One past due fees

I am trying to figure out how I keep getting past due fees when I have my card set to pay automatically. My due date is the 16th of the month and it shows i pay that day and then you still charge me a $40 fee. This has happened twice now. I want both fees ($40 and $29) removed because I paid both times on time according to my due date.

My account ends in 2146.

Amy Yenzer

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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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Capital One contacts

Phone numbers

1800 481 3239 +1 (877) 383-4802 More phone numbers

Website

www.capitalone.com

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