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Capital One Customer Service Phone, Email, Contacts

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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M
4:24 pm EDT

Capital One Unfair practices

In August of 2021 CapitalOne sent a letter demanding that I send them a picture ID and a photo proof of my social security. I thought it odd as I have been a customer for many years with several credit cards and a couple of auto loans. I called them and after talking to several different people I was informed that sometimes they do this. They gave me a date of Sept 28, 2021 to comply or my account would be restricted and possibly closed. At the beginning of October I went to their website to pay my bill and redeem some bonus cash that I had legally and in good faith earned but found that my account was frozen and my bonus was not available. I have written a letter of complaint to the CEO and I have stated my stance. I explained that I respect their right to do what they want to do but they have no right to steal the rewards that I legally and in good faith earned. I have not had any response from CapitalOne.

Desired outcome: Release my rewards dollars for my use.

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A
1:22 am EDT

Capital One Credit Card

My account for the six months has it has stayed in good standing, never late with a payment. Today not only did I find out through my credit monitor company they closed my account with no notification, but the account was tampered with as well as they knowingly gave false information about the balance as well as payments. After a rep from Capital and my bank customer service verified all payments had cleared and posted to the account, Capital blatantly still reported the owed balance and closed the account showing I left an unpaid balance. This is completely false. As well as now holding my refund and half of the refund is now in question where it is along with them holding on to and not sharing my statements and documents showing when the account was opened as well as the 200.00 deposit I opened the account with

Desired outcome: Those associates that reported as well as tampered with account fired

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C
10:18 pm EDT

Capital One Fraudulent charge on credit card

There is no point in complaining about Capital One. Customer Service is non-existent at this company. They could care less about their card holders.

Six months ago Capital One contacted me about a suspicious charge on my credit card. I confirmed with Capital One that I did not order the tech support service from Best Buy that appeared on my card. My card was cancelled. Before I had a chance to authorize the new card that was mailed to me, Capital One placed the same charge on the new credit card.

I have told Capital One FIFTEEN times that I did not order the Best Buy tech support service. When Capital One makes their annoying collection calls, the person calling has no knowledge of my previous correspondences with Capital One. I sent an email and registered letter to their CEO. No reply, of course. He could care less about their customer service. I would advise everyone with a Capital One card to cancel it immediately or the same thing will probably happen to you, too.

Desired outcome: That they lose al of their card holders

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M
Mr. Helpful
Los Angeles, US
Oct 28, 2021 11:48 pm EDT

Review the Fair Debt Collections and Fair Debt Reporting Acts that were passed by Congress back in the 90s.

By notifying Best Buy and Capitol One that you dispute the charges, by certified mail, you're protected.

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B
7:34 pm EDT

Capital One Payment

Hello, I have a complaint on the Capitol 1 Credit Cards, I have a Quick Silver credit card, 2 Walmart credit cards and a Menards credit card. I paid all of the four credit cards in full on Oct. 5, 2021. These cards were charged an interest fee after I paid them off. The Quick Silver also charged me a interest fee but when I called they reversed the fee so I don't have to pay it. I called back to dispute the interest fee on the Walmart & Menards card and they said they could not do the same as they did with the Quick Silver. How can I owe interest fees on cards that are paid off Oct. 5 and they accumulated an interest fee on Oct 11 and Oct 13. This to me seems rather odd. I am asking that they reverse the interest fees.

Desired outcome: Reverse Interest Fees

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M
2:56 pm EDT

Capital One Customer service — call center

Happened today 10-27-2021 @ approximately 9:30 am
Client # ending in 7626
San Antonio, Texas 78201
Currently have a (0) zero balance.
Want revwards due me a check in the amount of $75.77

Transferred 4 times. I provided all my information 4 times and last 4 digits of social security #. You have ineffective & inefficient staff, incompetent and liars!

The little girl I spoke with the last one located in America, said that all that was left needed to verify me, was my last 4 of social, which I gave her. Then she lied and said she still could not verify me? How much more information do you need? I have the entire conversations recorded. Maybe going on YouTube would help? You have the worst ratings on fbk., google, and other online reviews. I cannot imagine the CEO being proud of having 2 stars as a rating! I provided the following to all others I spoke with and to the last little girl I spoke with.

1. Name

2. Date of birth

3. Mailing address

4. Telephone #

5. Credit card #

6. Last 4 digits of social security

Desired outcome: Please send my rewards check of $75.77

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C
C
Capital One sucks
, US
Oct 28, 2021 10:22 pm EDT

Capital One sucks. My advice to all is to cancel your cards immediately.

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J
7:24 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

Capital One Savor credit card last 4 numbers 7273

Customer of many years, 2 Capital One credit card accounts. Was overcharged interest on 11/12/21 statement, I explained on the phone to your people, agent then supervisor. I got nowhere, did not understand my position, was of no help. I am never late, I inadvertently did not pay in September, and was then charged interest for purchases made in the current period, inspite of fact I paid balance in full last month. No way you ought to do that, good customer of many years, and yes I am aware of the legal small print normal eyes could not read. You have lost my good will, as well as future usage of these cards. James G Bloch... [protected]@gmail.com

Desired outcome: credit back ridiculous interest charge

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6:38 pm EDT

Capital One Double payment

On Oct. 21, 2021 I went on my laptop to make my payment. First I was going to make a $175.00 payment however I decided to instead make a $200.00 payment, so I CANCELLED the $175.00 and made one for $200.00. I am notified by my bank two payments cleared. Yep both cleared even though one was cancelled. One showed from mobile device and the other did not even though I never used any mobile device. I called Oct. 23, 2021 however the person did not know what they were doing. Told them I would wait until Monday. Called Monday and after they called my bank to confirm the payment had cleared, I was informed they could only refund the $175.00 by check threw the snail mail. Yep! Would not make an electronic deposit even though they can take the payment out electronically. Today Oct. 26, 21 they send an email stating the mail is getting slower and want me to go paperless. My question is: Why in the HELL are you using SNAIL mail to return my payment if it is getting slower?

Desired outcome: I want electronic deposits when they over charge my account

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7:55 pm EDT

Capital One Capital one credit card

I am complaining about the poor service of capitial one. I have sent them at least 10 copies of the front and back of my drivers license, they continue to say the picture is not clear. They continue to keep my card on the fraud watch, and there is no fruad involved. I have yet to resolve this issue, and no one there seems to kmow what they are doing. I have tried to seek a manger, and they continue to say the same thing, that they need another copy of my license. I am beging to think all these people that work there are complete idiots. Is there any one there who can resolve this issue. I purschased clothing on line, the purchase was paid for, and then the credit card company said, the store was fradulent, after, they had already paid for the purchase and it was shipped to me. There was nothing illegal involved.
Thankyou,
Ann Atkinson

Desired outcome: resolve credit card issue

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W
8:48 pm EDT

Capital One Capital One credit card

Capital One cancelled my card on Sep 13, 21 because supposedly they saw suspicious fraudulent charges. They said they they would send me a new card. It's been over a month now and no new card! I've called over six times and no new card and no resolution. My original Quicksilver card ending in 1793 no longer works.

So I have no card and no refund of the balance in my awards account. If they are not going to give me a new card, this shouldn't allow them to also keep my award balance?

Please help.

William Walker
[protected]@gmail.com
[protected]
[protected]

Desired outcome: Send a new card ASAP or a least a check for my rewards account balance

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R
5:23 pm EDT

Capital One credit card

my card balance keeps changing, up and down, throughout the day, even when I'm not using my card. No new charges, just numbers changing... I wouldn't freak so much but it messes with life when I have repeated experiences where I try to use my card and it says "nah" at one place, check my balance and it has plenty available, go try it at another place and it's all good. It's been doing this for weeks.
They deactivated my secondary card for security LAST YEAR and then reactivated it immediately on verification but it still doesn't work?
And nobody has any answers for either problem when I finally get time to call.

Desired outcome: fix your system

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1:26 pm EDT
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Capital One Reduce Interest Rate Unwilling

My complaint is rather direct and simple. It goes beyond my understanding, why currently a financial institution will be so unwilling to assist a long-term customer like myself with a request for an APR/ interest rate reduction.
I called on 10/14/2021 and was promptly transferred to supervisor "Kimberly" who very eloquently repeated well-rehearsed company jargon on why she was unable or better yet unwilling to reduce my interest rate on CC account number ending in ####.
After a brief conversation, I was left with no option but to close my account, which she did not hesitate to do so, promptly and with no consideration on mutual history.
I was left with no real solution for my situation and thus forced to close the account in question, along with CC account ending in ####.
Furthermore, I will be reviewing other CC and accounts held or represented in part or entirely by Capital One, and if no solution is offered be forced to do the same. Credit Card companies and Financial Institution, in essence your direct competition is not only willing and able to meet such demands, in general they offer far superior customer and product services.
My error was to expect loyalty; after so many years of a financial relation, however I know understand Capital One's priority is to secure returns for its investors.

Desired outcome: Better Costumer Service/ Option to reduce INTEREST RATES -

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M
7:53 pm EDT

Capital One Credit card been restricted

Please i want my credit card online account to be resolved from been restricted, i have call several time and complain over the same issues over and over again

Desired outcome: I want a quick review and good result

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10:38 am EDT
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Capital One Auto finance loan

We got behind on our auto loan going into the pandemic. Then the shutdowns really did us in. I'm disabled & my wife is on heart team & their surgeries stopped. Now I've tried to talk to capital one on the phone & been hung up on at least 10 times. I can't even see my account on line I have to call special number to get someone. I don't like being lied too or hung up on I will call back pissed off quick. They even called the cops on me I had 4 deputies at my door guns drawn saying I threatened them. I put my phone down close to tv cspan was having gun legislation debate they heard Ted cruse talking about people coming to a work place and killing everyone. The [censored]'s then charged my auto loan off. So I'm trying to settle they won't I have to pay vehicle off with the 6000.00 fees for being late. Then they told me they were taking legal action and for me to take car to police station I hate Captil one period.

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12:48 pm EDT

Capital One credit card increase

my name is richard a morrison and recently called comser sevrice to set up one line credit card accoumt and ive waited two days to resovle this matter ive been a good credit card holder never been late on payments and pay two weeks ahead of time before due date, i feel u shound be able to get a credit uncrease or a upgrade card with a higher credit lmit ine been a long time account holder. i feel that the waiting times to speak to someone is horriblei
first date was oct.10th and secound day was oct11th please resovle this matter please email me at [protected]@yahoo, com or call me at [protected] thank you very much

Desired outcome: nothing

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9:04 pm EDT

Capital One Charge card available credit after payment

My complaint is simple. I have been making charges and payments to my capital one credit card. Not once have they been late or returned. Today I pay the full balance off and notice that they say they received my payment but put a 7 day hold on it. When I asked why, they said that this was the first time I paid that much and that's why a hold, ($503.00). I have never been late and never had a payment returned but they still put a hold on it. It's funny, I can go to the grocery store and spend 500.00 and it's gone before the groceries are bagged but make a payment to a bank and it takes 7 days to clear...does that sound right? If I had sent a check that might hold water, but when they have my banking information, that should post quick.

Desired outcome: Change your policy to post the payment and stop holding it for no reason.

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12:44 am EDT

Capital One credit card customer service

on 10/09/2021 at approx. 12:20 am i called capitol one about my interest rates and wanted to know the deadline and what is going on with my interest rates, i pretty much answered my own questions after talking to a not so knowledgable person on the phone, she had no communication skills and always said yes sir i understand sir like a broken record, guess thats how we train our operators to just say i understand yes sir no sir and they really dont understand, anyway in the middle of the call she got frustrated with my questions and turned to her next door nieghbor on the phone and said "Oh My GOD" like im some illliterate i have to say i am very upset about this attitude and performance of your employee and i hope maybe in the future i wont have problems like this but its okay ima pay you guys off and work with other cards that actually are nice on the phone and are knowledgable on the career they have .Shame on you for rude disrespectful employees, have a great day, Dean Conforti

Desired outcome: verbal warning for employee

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3:21 pm EDT
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Capital One Credit card

I made a payment to my capital one credit card on the due date, yet because the payment was made after 8PM EST, it went in as of the day later, so they banged me with a $29 late fee. My calendar still showed October 4, but the said it was too late, so they banged me $29. - even though payment was done on October 4. This sucks and I feel the fee should be negated.

Desired outcome: Negate the $29 late fee

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8:51 pm EDT
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Capital One Credit card charge back

I made an Ebay purchase of $69.50. Item arrived smashed by shipper because item was poorly packed. Seller agreed to refund and asked for pictures. I took pictures but when I went back to upload them, Ebay, blocked me from any further email to seller on their system. I tried their chat and called them to resolve this with no answer or results. I had no more options so I asked Capital One to remove the charge and explained all of this to them in a phone call. They removed the charge but then returned it. They requested photos and documents but would not provide a working email to upload them. I emailed them to richard.[protected]@capitalone.com. This email accepted them. Now they are saying this isn't acceptable and will not provide a working upload to email them. I offered to post them and send them a link but they refused. I suspect all of this is designed to be purposeful delays so I get my money stolen.

Re: Case Number [protected] Capital One

Desired outcome: Refund of $69.50

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2:00 pm EDT

Capital One Capital One Credit Card

I called the center and was told by an employee about sending money, they told me false information. Later I found out that I was charged a fee for a cash advance fee, but never got that advancement, they just used my money that was on the account. I called back, the Supervisor had no clue what she was saying, didn't know her employees, and basically had no interest in the matter.

Desired outcome: Return of Fee

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4:52 pm EDT

Capital One Telephone automated answering service keeps hanging up and does not process requests

Tried more that 15 times to call to pay my Neiman Marcus bill over the phone and was never able to get anything done. The service just kept hanging up on me. It said it couldn't understand/hear even when I entered the last 4 digits of my account number through the phone rather than speaking them. I tried screaming them and your service hung up on me. Only one time did I get past the initial question of the last 4 digits of my account number and your service hung up on me when I said I wanted to pay my bill.

I have never in my life encountered a voice response system as bad as yours. It is totally unacceptable and as you can probably tell, I am extremely frustrated. If this is the level of service provided by Capital One, I never want to have another credit card issued to me. I have no idea how you got such good customer support ratings. Those customers must never try to call you on the phone.

Thank you for your consideration. I certainly hope you can fix this problem soon.

Desired outcome: Fix voice response system to complete customers' requests.

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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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