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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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Newest Capital One reviews & complaints

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K
4:25 pm EDT
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Capital One Banking

In an attempt to help an elderly relative who had $3, 500 fraudulently removed from his account and transferred to a "Barclay" account (he has never had a Barclay account of any kind and had never even heard of "Barclay"), I am so frustrated due to the lack of customer service and will now be closing my own Capital One account. Almost impossible to get through by phone and no email address to use for correspondence. After numerous attempts and 45 minutes on hold (on 8/26/21) finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which "denied the claim of fraud". After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to home address. It has been exactly one month and have received nothing! Numerous other attempts to reach Capital One have resulted in long wait time (45 mins plus), transfers and hang ups. Have also sent by fax (the only other means of contact I was able to find) request for said documents including detailed info regarding this request. STILL NO RESPONSE! Worst bank ever!

Desired outcome: To finallyb e sent requested documents regarding Claim # 210330CL02711

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9:26 pm EDT

Capital One On Line Banking field that has not worked since their upgrade in 2019

When trying to find a transaction Capital One has a search box that states:
Search amount, date, check# or transaction description.
This has not worked since they updated their website back in 2019. I have spoken to a number of reps and have also sent a letter to their main office.
I have never received a response and the flaw is still there.
You would think that a bank as large as Capital One would have had their web developers check all the fields before they took down their old site and went live with this site.

Functions should work properly.

When I try to find a check, sometimes it comes up and other times it states...
"We couldn't find any transactions based on what you're looking for. Please try modifying your filter criteria or referring to your statements."

This is unacceptable.
Also why doesn't Capital One have a direct phone line or an email address that a customer can contact them directly?

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3:29 pm EDT

Capital One Overcharge on interest - rep cannot do math.

I paid my Cap 1 card down to just over $800 balance now, out of a good $7K limit.

I received my statement and made a payment immediately. The interest charge (this month) on my small $ 800 balance was $ 38.00 but my yearly interest is 22.9%

Even with simple math, $ 800 x 22.9%/year = $ 183.20. Then,
$ 183.20 / 12 months = $ 15.26 interest due...

Did I miss something? The idiot at Capital One said it was because I did not pay off my $ 800 in full. Why would I have to pay it off in full? Makes no sense. I could also tell this guy was sitting at home with the tv going in the background, eating food, and just some stupid kid that did not care, nor have the correct answer.

I am reconsidering dumping Cap 1 after 20 years, but do not want to over-react due to 1 stupid employee. Not sure what to do... If I call back I will most likely get another [censored] that cannot do math.

Desired outcome: Reimbursed for over charge of interest

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7:06 pm EDT

Capital One Late payment fees

I made a payment online Sept. 18, 2021 at the CapitalOne site using my Debit Card, which was stored in their system from a previous payment. The site showed my payment had been made on the 18th. On the following monday I checked the Cap1 site after becoming aware that my checking account had more money than expected in it. The Cap1 site showed the payment had been credited to my account. By tuesday the payment had still not cleared my bank, so I checked the Cap1 site again. This time the site showed no record of the payment having been made. I contacted my bank, that informed me no payment request had been made by Cap1. Cap1 charged me $39 for a late payment. Several months prior I had made a payment on the due date with an electronic check. This payment wasn't accepted either. Cap1 stated that it had the wrong account number. I checked the account number 3 times to make sure it was correct! Something very fishy is going on with this card. I also made the mistake of using this card for a purchase that turned out to be fraudulent. They refused to credit my account even though I sent them pictures of the items received, & invoices of the items that should have been received, that clearly proved the vendor was a fraud.

Desired outcome: I want a refund of the late fee, $39. I would additionally like refunds from the fraudulent merchant.

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10:44 am EDT
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Capital One Restricted account

My acct is Restricted, (due to suspected fraudulent activity, but it's just me trying to use my own card) however, I have called multiple times and have spent hours on the phone w/o success and now they want me to scan all my personal information and send in!

I have had CapOne card for many yrs, pay my card every mth, have never missed a pymnt, and now with my acct Restricted, I can't redeem over 70K of Reward miles which I earned!

I only wish it was not in my Wallet!

Desired outcome: Unlock my card so I can redeem my miles and I promise never to use this card again!

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12:42 pm EDT

Capital One The service I received at capital one bank in bayshore long island on sunrise highway

Albert was my teller at approximately 1230 pm 12 21 2021 i mistakingly filled out a withdrawal receipt and Albert took it upon himself to try and embarrass me in front of everybody in the bank by yelling "this is not a deposit slip!" I kindly asked y did he tell his response was nobody can hear him I heard him fine I'm 45 not 90 and hard off hearing.felt very uncomfortable and disrespected . Do not wanna deal with him ever again.

Desired outcome: Customer readiness and preparedness

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11:13 pm EDT

Capital One Credit card

I have multiple accounts with Capital One which used to be my favorite card company until this last year. I have had my accounts for over 20 plus years always paid on time. Now I want to convert 2 of my accounts to no yearly fee and they say it cant be done do you want to close the accounts? I mean they could careless if I stay with them or close my account. What happen to this company they used to care about its customers? now its like get lost we dont have time to deal with you. What happen to customer service that built this big company! I mean you really dont give damm that ive been with you guys for well over 20 years and always paid all my accounts 100%. I guess using your slogan " Whats in my wallet will not be my Capital One cards Discover & Citibank treat me like gold

Desired outcome: No monthly fee on account 0941 , 0333

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9:45 am EDT
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Capital One Capital One in Nothing

Their computer system generates just about everything for them and it is very difficult to be treated like a human. Their customer service department is merely a bunch of zombies reading from a script therefore is almost impossible to have a real discussion. I've had this card for two years and never had a late payment. I paid this months after 8 pm ON THE DUE DATE online, which apparently didn't doesn't through until the next morning. I received a late fee. I called customer service and even talked to a supervisor. Neither one could or would, waive the fee. They do not humanize any situation or help rectify a situation, you are just merely just a number.
I closed my card as did my husband. What a joke of a company.

Desired outcome: Waived fee

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12:01 am EDT

Capital One 360 checking account

Capital one has placed a hold on my 360 checking account. I mistakenly deposited a 3rd party check into my personal account in the amount of about $ 3100. They have lied and claimed they called vanguard who issued the check. However vanguard has no record of receiving a call from them. I need Capital one to call vanguard customer service and verify that I'm the Administrator of my Moms estate and entitled to the funds. Capital one can ask for the retirement section at [protected].

Desired outcome: I would like my funds released and to receive an apology from capital one.

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5:42 pm EDT

Capital One Total Loss Vehicle being associated with my vehicle

August 2020: Bought 2020 Nissan Versa

March 2021: Started receiving Letters and phone calls wanting my gap insurance. That my vehicle has been in a front end total loss collision. Some how my vin # was used and not the vin # that went to the vehicle involved in the incident. My VIN # 3N1CN8EV4LL807049 and has never been in an accident. Geico is the insurance involved and will not tell me anything because my name is not one of the parties involved just my VIN #.

The vehicle that was a total loss was sold at action under my VIN #.
Carfax has my vehicle listed as a total loss and on Salvage Title

Registration expired August 2021: I went to the DMV to buy new tags for this vehicle and could not purchase. The vehicle is not titled in my name. Shows Geico as the owner of my vehicle.

I have talked to capital One my times and just keep getting the run around with no results. Im told couple more days and it will be fixed. Last time they told me 15 days. Well 15 days has passed and still not fixed.
So now I have a car with that I cant drive because I cant buy tags for because Im not listed on the car at all as the owner. Geico listed as the owner of the car. I refuse to make payments on a car i cant drive, buy tags for. Im done messing with this.

My Information
Edward John Burns
[protected]@vaughnconstruction.com
[protected]

Desired outcome: Capital One to buy car back and call it a wash and start over.

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12:20 am EDT

Capital One Credit card walmart

I cannot go a single purchase without my card being frozen. The first time was went I sent a Western Union to my cousin overseas. They held his money, accusted me of funding terrorisim, and reported me to go knows who.

I'll just copy and past what I sent t o their twiiter;

I don't deserve to be treated like a terrorist because I have a funny name.
Please explain the massive audio behind my account.
12:01 AM
I was testing an occasionally reporer error on my SMB, wesbite when dealing with invoices, and it did't work for me either.
I explained I was tested my own sick, three times, with three different agents they said they'd fixed it
the fourth agent wanted my ID.
I spent the day verifying the facts, and the presumptions.
I was now told to upload three forms of ID, including my banking statement and social security card.
I am a good customer to you. Why would you treat me like this?
12:04 AM
Fraud protection justice
#BNG201 solicited various information from be, on paper. before deciding to authenticate me.

Gtk034
JON

Transferred me no where.

All the Indian woman can be herd gossiping in the background, purposefully muffle their names, get upset when you ask it to be spelled, hostile when you ask for their identifier.

I don't care about my credit
history with you, in ligjh of how sour or relationship has turned
if you have no intention of repairing it, without calling me a terrorist or requeiring ever more ID fro me, I have no problem what so ever ended our relations.
12:09 AM
It's not a jerk reaction, it's a. well documented audio video series of phone calls waiting to be editorialized for Medium and YouTube.

Desired outcome: Treat me with respect. I am not a Terorist.

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9:14 pm EST

Capital One customer service

For the last 3 years I have had to call every few month to get clearance to pay college tuition to the SAME college. I do not understand why this cannot be fixed for the duration of attending college.

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12:39 pm EDT

Capital One Increasing credit limit

My Name is Kim Guthrie
card # 5228xxxxxxxx8436
phone # [protected]

to whoever reads this complaint, today(Sept 2/2021) I tried to increase my card limit and was told that my account needed to be reviewed and an offer has to be made to increase my limit. I told them I was willing to let them review me NOW and gave them authorization to do anything they needed to do. This was not good enough because this isn't how your system works. This is TOTALLY RIDICULOUS as you have a responsible customer willing to use your card but have to be reviewed by WHOM or WHAT? Any other card I have does not require this. If I was a credit risk I would understand but this is not the case. I have an excellent credit rating, above 800 and find your answer absurd. If you want me to use another card that means my business is not good enough for you and I will surely do this.

Desired outcome: increase my limit

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12:55 pm EDT

Capital One Covid vaccine required

Seriously? You are requiring a covid vaccine to have an account with capitalone? This is illegal and unconstitutional! You cannot do this. I have been extremely unhappy with capitalone requiring these damn masks in the bank! I am not sick so I can't give anyone this stupid covid that you are so freaked out about. I have asthma and that is one of the respiratory diseases that even the [censored]s at the cdc say is a reason you do not need a mask. Your people are rude and ignorant of this rule and i've about had it wit capitalone and your lousy policies. Now you are requiring a vaccine? You cannot legally do this! If you do, I will close my account and say to hell with capitalone,

Desired outcome: I want the VP of Customer Service to call me at [protected] and get this resolved!

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Update by Tricia Harris
Aug 31, 2021 1:02 pm EDT

I just got my replacement card that is supposed to replace the Venture Card, and it has the standard Debit Card design. I called to say I do NOT want the standard style because of identity theft and how easy it is for thieves to reproduce and swap. I have had a design on these cards for a long time because I am aware of how easy this is with identity theft I called to complain about this and was transferred to four different people and finally demanded to speak to a manager, I got a manager, and she confirmed that CapitalOne is no longer doing different than standard designs. Why is CapitalOne taking a giant step BACKWARDS when it comes to identity theft? I am very unhappy with other new policies of CapitalOne, and now that you don't care about ensuring your customers are secure from identity theft, this is about the last straw.

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9:56 am EDT

Capital One Customer Service

August 19 2021, I was accessed a late fee and interest on my Card ending in 3323. I called Customer Service and talked to Gail about having these fees waived, I have 3 credit cards with Capital One, Always a good pay on all of my accounts. She denied my request even after my explanation of why, stating it was my responsibility to get payment in on time. Condescending tone as if not to take into account my record and reason I was not able to make payment, keeping in mind I made payment the very first thing the day after due date.
My reason for missing due date: I am a Boat Captain in Naples Florida, there was a Storm 'Fred' coming through Naples Florida, as part of my job is to secure boat assets of owners to shield their possessions from storm damage, this takes time and days to complete, my time and mind is on getting all of these task (several Boats) completed and secured before the storm hits. I would hope and think Capital One could acknowledge the severity of this and take into consideration into Waiving late fee and interest to a good paying client.
I can be reached at [protected]. I hope this to be resolved satisfactory

Stuart Brenton

Desired outcome: Waive Late Fee and Interest

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David T.Thompson
Mazatlan, MX
Apr 09, 2022 8:13 pm EDT
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I have 32 fraudulent charges on my Capital One QuickSilver Card. Please contact me

immediately at [protected] dttndsg@gmail.com 500 Albatros Unit 4 Mazatlan Mexico 82110. It is a criminal act that you cannot be reached by phone but we will deal with that later.David T.Thompson Last 4 digits of Quicksilver card 6366. Thank you.

And if you do not record this change of address which is the forth attempt INSTRUCTING YOU TO CHANGE YOUR RECORDS since I left Nevada I will take action take action against you. I have not recieved any mail from you in 3 years.

David T.Thompson

501AlbatrosUnit 4

Mazatlan Mexico 82110

S
S
Sheri Porter
Mount Pleasant, US
Sep 14, 2021 3:57 pm EDT
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I had a similar situation. You are just a number to these zombies. I cancelled my card and opened up a new one with another company.

S
S
Sheri Porter
Mount Pleasant, US
Sep 14, 2021 3:57 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I had a similar situation. You are just a number to these zombies. I cancelled my card and opened up a new one with another company.

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11:29 am EDT

Capital One Credit card

I made my credit card payment 5 days before the due date. I received a late payment notice. I go on line and pay off the entire balance and then call the customer service number. They removed the late fee, but tell me that they cannot do anything about the now mistake on my credit report/score. It dropped 35 points! I've never been late with a payment in my entire life!

Desired outcome: Want my credit score back where it was!

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9:48 pm EDT

Capital One Payment processing center

I mailed in a payment to capital one for my capital one credit card and Walmart card on July 29th.As of aug 18, the checks has not been received . I've called and spoke with several people was told that notes was being entered into the system for the seven calls that was made.Actually nothing was entered into the system. I've faxed the check stubs on the thirteenth of August.I called today to speak to someone about me putting a stop payment on the checks . My credit union said that if they came in and you tried to deposit it there could be a fee. So I called and was transferred three times and no one spoke English. Very dissatisfied Customer.

Desired outcome: Someone who can answer my questions

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1:48 pm EDT

Capital One Banking

I had an account in good standing with Capital One and when I received a PPP loan and the account was frozen. I have been working on this clearance for a couple of months now. The bank froze the account at the same time as the CBS news aired your process. The representative that was working on my case, hardly returned calls then found the loan incorrectly given when it was not given by Capital One to began with. Capital One then closed all my accounts but this one and will not close it. I was advised that the account would be closed and the money would be sent back tot he bank that issued the loan, then I was advised by the bank that issued the funds that they will not make a request to retrieve the funds back. Capital one has not contacted the bank to find out there process not has they released the money. I was also advised that any new funds coming into the account would be released, especially governmental funds. Since the account is still open the IRS provided my Plus up stimulus to this account as that is the account that was listed for my taxes. Capital one has not released the funds and advised they will not due to there is not enough funds to cover the full loan amount that was issued. They are separate and have nothing to do with each other and I am not sure why they are holding the Plus Up payment given.

Desired outcome: Release the funds

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3:22 pm EDT

Capital One Capital One Travel Department - Travel miles Refund not issued in 18 months

I booked an international trip with my daughter in November of 2019.
Due to Covid, our destination was changed three times.
Our third destination to Fiji was booked with Capital One Travel in February, 2020.
I used 175, 999 rewards points to purchase two round trip airline tickets on Fiji Airways.
These reward points are still not refunded to my Capital One Credit card.
I would request that Capital One Travel return these 175, 999 reward points to my account.

On March 20, 2020, the trip to Fiji Islands was cancelled.
on April 29, 2020 I called Capital One travel and was assured not to worry about it, all reward points would be returned to my account within three billing cycles. It has now been 16 billing cycles (16 months) since the trip was cancelled.
By May 18, 2020, i had received all other refunds from airlines, hotels, and trip excursions. But not capital one rewards points.
I called Capital One Travel every month in 2020 and have made over a dozen calls these past 16 months. Each of these calls requires that i stay on the line to speak to a supervisor and the waiting on the calls takes over an hour. I am currently on a call and the timer is currently at 2 hours 13 minutes and still waiting to talk to a supervisor.
According to the Capital One Travel person i am speaking with, they cannot call me back after they get in touch with the supervisor.
According to the capital One Travel person, there is no way for me to email or phone a supervisor directly to discuss a customer service problem.
The only way to get a customer service problem resolved is to hold on the phone for 1, 2+ hours. Therefore, the is no documentation available, just the recorded phone calls, for which i do have dates.

Firstly, this customer service system is poor business practice, especially for a company the size and scope of Capital One.

Desired outcome: return 175,999 reward points to my Capital One Credit Card

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5:18 pm EDT

Capital One Capital One Interest Charge and Being too cheap

I have asked the representative to close my credit card, they didn't close it properly and I had a balance on my credit card.
I got charged and interests were collecting on my balance until after three years when I have found out about my account not being closed by their mistake. I have called them to help me in this situation.
they closed my credit card this time and just said you can pay your balance whenever .
The manager Mr. George didn't mentioned anything about my rewards those are needed to be redeemed before the account being closed.
this was the way they had treated me as their long time customer.
They better go to hell.

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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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