Having problems with Capital One?

File a complaint and get it resolved. It’s quick, effective and absolutely free!
Proudly resolving consumer concerns since 2004

Capital One reviews first appeared on Complaints Board on Mar 1, 2007. The latest review Associates at capital one bank branch was posted on Mar 29, 2021. The latest complaint late fee credit card was resolved on Jul 06, 2018. Capital One has an average consumer rating of 2 stars from 548 reviews. Capital One has resolved 172 complaints.

Capital One Customer Service Contacts

1800 481 3239 (USA and Canada)
+1 877 383 4802 (General Customer Service)
+1 800 227 4825 (Credit Card Accounts)
+1 800 867 0904 (Small Business Banking Products)
+1 888 810 4013 (Capital One Bank Products)
+1 800 289 1992 (Capital One 360 Products)
+1 800 946 0332 (Auto Financing)
+1 877 464 2151 (Home Loans)
+1 866 435 6299 (Home Equity)
+1 800 926 1000 (Personal Loan)
+1 855 780 5047 (Investing Products)
+44 800 952 5267 (United Kingdom)
+44 344 481 4814 (United Kingdom)
15000 Capital One Dr.
Richmond, Virginia
United States - VA23238
US Branch Locator

Canada
 
General Correspondence
P.O. Box 503, Scarborough Stn. D, Scarborough, ON, M1R 5L1
 
Payments
P.O. Box 521, Scarborough Stn. D, Scarborough, ON, M1R 5S4

The United Kingdom

Card Services

P.O. Box 5283, Nottingham, NG2 9HD
 
Sending a Cheque
P.O. Box 1000, Camberley, GU15 3ZQ

Capital One Complaints & Reviews

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
Capital Onefraud & deception

In January 2008, I transfered a balance to Capital One because their offer was good - 0% for the life of the balance transfer. Things were fine with them until 2 months ago when they decided to raise my interest from 0% to 19.8%.

When i called to complain, I was first told that it was an error and they would fix it. When I called back to verify 10 days later, they told me that the 0% for Life never existed and that my offer was for 12 months.

i called again. The next person said that my offer was actually for 18 months. When i called again, they said the offer was for 6 months and that i should be happy i received 0% for 20 months.

A very long story made short, they will not honor the 0% anymore and unless i can prove that i had 0% for life, i am screwed - now accruing 19.8% interest.

They lie and this is fraud, deception and breach of contract.

Add your opinion

    By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

    Capital One Auto Finance — poor business ethics

    We have doing what ever they expect for payments. We made our payments on time. They were not documented a...

    Capital One Bankinterest forgot paid and poor service

    It was a nightmare for the experience I recently dealt with Capital One bank.

    At the beginning I had two CD accounts, one has balance about $16K, matured in July, another about $44k., matured in August. After CDs expired, I transfer both CDs’s balance into a new opening Money Market account (actually the bank reused a zero balanced years old old MM account).

    On 08/12/2009, a $15 penalty charge was applied to my MM account for the lower balance. I made about threes customer calls to finally get back the $15 wrong charge. Per customer representative, it was the beginning zero balance that caused the mistake. I still don’t know understand how that mistake could happen. Isn’t that every account always starts with zero balance.

    While I was trying to correct the incorrect penalty charge, I found that my MM account have never got interest paid so far. For MM account, the interest is posted by the end of the month. I called the customer service to report the problem, and my nightmare started here.

    - In first two calls, they seemed they just wrote down my problem but never resolved it.

    - About one month later I made the third call to the branch where I opened account, the person promised to check my account and call me back, but I never get the call back.

    - I made the forth call to customer service again, the problem finally got settled and I was told that the interest would be posted to my account a couple days later.

    - Later I checked and I found the $33.79 IOD interest was paid to my account on 10/13/2009.
    - $33.79, Is it correct for the total interest earned in my MM account? It doesn’t look right, not mention July, per the bank statement, the average balance is about $60k in August, > 1% interest rate and $58K in September, 1.01% interest rate.
    - On 10/15/2009, I made another customer call to report the interest calculation mistake. The customer representative very impatiently answered my question about the interest calculation mistake, and insisted, “Yes, It is correct, $33.79 is the year-to-day interest for the account. If you don’t believe, please come to the local branch to discuss it.” I don’t know exactly how the interest is calculated, but I know the basic math and the basic concept about interest rate. So I suggested the customer representative to do a simple calculation to see why the bank’s icalculation was not right. For the balance $60k, interest rate 1%, the monthly interest would be about $50 (($60, 000 * 1% / 12 = $50). But the customer representative didn’t buy it and insisted “That is correct.”

    The interest is not big money. I am just so surprised on the bank’s banking mistake and poor customer service.

    Add your opinion

      By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      Capital Oneclosed account and still withdrawing money from bank account

      I finished paying off my Capital One card September 3, 2009.

      I told them that the account is now closed and nothing should be added to that account.

      Much to my horror and surprise, they withdrew 150.00 from my husband's checking account.

      I even had the bank go into the computer and stop the transaction, but Capital One still got 150.00 for nothing.

      I told them over the phone that I was to have the 150.00 put back into the account and they started giving me the run around and I told them I would file all kinds of complaints.

      Add your opinion

        By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

        The complaint has been investigated and
        resolved to the customer's satisfaction
        Resolved
        Capital One Bankawful bank

        I refinanced my home with Capital One Bank, about a year ago and I had the money for the payment taken out of my savings account. Every thing went fine for a while, then my mortgage was sold to Chase Bank. To have my payment automatically taken from savings account I filled out the paperwork with the help of a Capital One bank employee, and it was mailed to Chase Bank, by Capital One. I confirmed the proper amount was being taken out when I got my bank statement the next month, every thing was fine. February of 2008 things changed. Without my authorization and without my knowledge Chase Bank or Capital One started taking my mortgage note out of Checking account.

        I have always maintained a good amount in my checking, so it wasn't real obvious to me. I made sure money was going in the account and thats what was important to me, I'm a working stiff not a trained banking person, I don't scrutinize bank statements the way a professional would, I missed noticing the change. I had been out of work for the previous four months, my funds were drooping, and I was about to go on a trip with friends (1-7Oct'08)so I made sure I had enough money in my checking to cover expenses for the trip. A week after I got back from the trip( 13 Oct 2008 )I received a letter from Capital One saying that every purchase I made on the trip "bounced".

        On Monday I went to the bank and put more money in my checking to cover everything. The bank had paid all my purchases and charged me $32.00 for each NSF. What happened was that my mortgage note, $551.73, was taken out of my checking, unknown to me, this action created a snowball effect down the line and fouled everything up. I went to Capital bank to find out what happened. The bank confirmed that the mistake was theirs, but because I did not catch the mistake sooner, the charges would stand.

        That's 23 NFSs times $32.00= $736.00 that the bank is charging me because I didn't bring it to their attention, according to their time frame. This whole thing was brought about by one incident that was not my fault, but the banks fault, but I'm being severely penalized for their mistake. And I don't know how to fight them, this is the first time something like this has happened and it will be the last. Now I have to go back through all the wickets to get my mortgage back on track.

        I would greatly appreciate any help or advice to get my money back, I can not afford to walk away from this and lose $736.00 to a cold hearted bank.

        Add your opinion

          By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

          We are here to help

          • 16 years' experience in successful complaint resolution
          • Each complaint is handled individually by highly qualified experts
          • Honest and unbiased reviews
          • Last but not least, all our services are absolutely free

          The complaint has been investigated and
          resolved to the customer's satisfaction
          Resolved
          Capital One Auto Financeno customer service

          I decided, after making one car payment via automated voice prompts over the phone which lost a transaction to try something different. I set my Capital One Auto Finance account up on my Capital One Bank account to where I could make car payments online to save time and money (so I thought). After making two payments to Capital One on consecutive days (Dec. 20, 2007 and Dec. 21, 2007) I thought my problem was solved. The Capital One bank account showed that the two payments came out of my checking account but they never showed up on my automobile finance account.

          All of a sudden, about a month ago, Capital One started calling me saying that I had not made my November payment. When I told the person at Capital On Auto Finance that I had not only paid November but December as well. They asked me if I had any proof of that to which I said yes, I have my bank statement showing that two payments came out of my bank account and went to Capital One. They gave me the fax number and I faxed a copy of the bank statement to them expecting this to take care of it.

          Not only did they NOT call me back, but when I called them to see if they had received the fax and taken care of my account the woman told me that what I sent was not good enough. She said that I needed the bank to send a copy of an endorsement or a pipeline report. So I took off early and drove from Oklahoma where I am currently working to Capital One bank in Keller, Texas, got with the operations manager of the bank and she wrote them a letter with dates, transaction numbers, a copy of my bank statement and other pieces of information that should have been sufficient to resolve this problem, but it hasn't.

          As of this writing, I have talked to dozens of people at Capital One Auto Finance, including managers, without resolve. Meanwhile, late charges are accruing, my credit rating is declining, my aggravation level is increasing and nobody has stepped up to the plate to try and help me.

          I have never had so much trouble giving my money to somebody in my life. I'm wondering if every month with Capital One Auto Finance is going to be a Nightmare with them like this one has been.

          Add your opinion

            By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

            The complaint has been investigated and
            resolved to the customer's satisfaction
            Resolved
            Capital Oneodd collection practices?

            So this notice was sent to a friend, who passed it on to me thinking i'd find it funny... and I do. but it begs the question - has anyone else received such a notice?

            =

            balance: $xxx. xx
            amount due: $0.00
            payment (s) past due: 0

            dear xxxxxxx,

            your account is 0 payment (s) past due and we know that can happen to anyone. if you’re having problems making your monthly payments, we’d like to help. that’s why we wanted to let you know that it’s not too late to put your account back in good standing. and you can now click here to make a payment online.

            making a payment of $0.00 by 09/05/2009 will make your account current. this will keep us from having to report your account as past due to the credit reporting agencies.

            and remember, the better your credit, the more likely you may be approved for new credit and lower rates in the future. depending on your situation, even a partial payment may help keep your account in better standing with capital one.

            we understand your financial situation is unique. but finding the right solution to help you get through life’s little financial hiccups is what our specially trained associates do every day.

            so please don’t miss another payment – call us monday – friday, 8 a. m. – 9 p. m. (et), at 1-800-*-* or click here to make a payment online today.

            sincerely,

            capital one bank (usa), n. a.

            Add your opinion

              By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

              • Ag
                Aggravated shopper Sep 21, 2009

                LOL I havent gotten one from capital one however one day I got a letter from hyvee grocery store and on the letter it said I bounced a check for $0.00 so I have to pay the bad check fee of $30 for a total balance of $30.00 I called the company and the did not know what I was talking about so they said it must be a computer error, dont worry about it. I have never shopped nor do I know what a hyvee is yet they have my info. Long story short tell your friend to be careful of someone using his identity and not call number given on letter but find another phone number to capitol one to verify the letter.

                0 Votes

              The complaint has been investigated and
              resolved to the customer's satisfaction
              Resolved
              Capital One Auto Finance — harrassment

              My car was totalled on August 21, 2009 by someone who ran a red light. I amazingly was not badly injured...

              The complaint has been investigated and
              resolved to the customer's satisfaction
              Resolved
              Capital One Credit Cardscam charges

              I pay my Capital One bill online. I always pay on time. I haven't worked in over a year, so regretfully, I pay the minimum. I don't enter an amount, I just click "pay minimum".

              Today I got a notice in the mail stating I was a month behind, so I called. I was told 2 months ago I paid $15 when I owed $16. I was charged a $39 fee, which happened again the next month even though I paid what was posted as the minimum!

              I called and said I paid what their website said I owed. The man tolded me the bills and the internet isn't always accurate. The only way to get an accurate amount due was to call Capital One before I make my payment! How is this legal? I've been charged $78 because the website had misinformation.

              Add your opinion

                By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                • No
                  Not even a customer Jun 03, 2016
                  This comment was posted by
                  a verified customer
                  Verified customer

                  I have been getting daily phone calls from Capital One, regarding a relative. They will not tell me what the issue is, they just ask for this person. More recent calls have not even asked for the relative, I say hello one or two times, then they hang up. Capital One is calling my work cell phone!! The relative does not live with me, and I have no business in this person's life. When I called to complain, I said these calls could be considered harrassment...the manager I talked to in the Philipinnes said it was more unethical!!

                  0 Votes

                The complaint has been investigated and
                resolved to the customer's satisfaction
                Resolved
                Capital One Auto Financerepo man discloses my finance information to third party

                Capital one without sending any notice of default sent a repo man to get my vehicle. On there second attempt to repo the vehicle, they banged on my front door at one in the morning and then they proceeded to disclose detailed information about my payment history and told them that i was a liar. And i don't think they had a right to disclose that type of information. If anyone knows what if any claims i may have against them. They have called claiming to be a real estate agent the next day i receive regular payment due notice with remittance stub, no mention of any default or requirement to cure a default.

                Add your opinion

                  By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                  • Ri
                    Righttoprivacy Nov 02, 2009

                    Capital One hired a CCI company who claims to be an investigation company to tap into my personal life. CCI is a repo company in AZ called The Camping Companies, Inc. They have no lawful authority to take your care unless there is a court order and they cannot trespass unto your property without your permission. They cannot lie about who they are. Contact your attorney general and write to them immediately.

                    0 Votes

                  The complaint has been investigated and
                  resolved to the customer's satisfaction
                  Resolved
                  Capital Onewill not remove from credit report

                  I don't understand why Capital One keeps applying penalties and interest on an account that they charged off over 9 (nine) years ago. Isn't there some type of statue of limitations for consumers and their credit when almost ten years has passed??? Well apparently not for Capital One, because they keep updating this same, old, closed, charged-off account on my report and I need to know how to STOP them...Someone please help me.

                  Signed, desperate in Texas

                  Add your opinion

                    By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                    The complaint has been investigated and
                    resolved to the customer's satisfaction
                    Resolved
                    Capital One Auto Finance — unauthorized credit checks

                    I did an annual free credit report and found 3 inquiries from Capital One Auto Finance listed on my credit...

                    The complaint has been investigated and
                    resolved to the customer's satisfaction
                    Resolved
                    Capital One Auto Finance — title to car

                    My name is Yvonne Taylor-Rice, my address is 2423 larose ave memphis, tn telephone # is [protected]. I have...

                    The complaint has been investigated and
                    resolved to the customer's satisfaction
                    Resolved
                    Capital One Auto Finance — auto loan paid off?

                    We had a 66 month contract with Capital One Auto Finance which began with the first payment due on 11/1/2003...

                    The complaint has been investigated and
                    resolved to the customer's satisfaction
                    Resolved
                    Capital Oneinterest accruing on a 0% offer

                    I recently took advantage of a 0% balance transfer offer on my Capital One card. My card had no balance on it prior to the transfer, so I thought it would be a good deal. After the transfer, it started accruing interest. I emailed the customer service on their website, and I got a response confirming I have 0% on balance transfers. That didn't answer my question, so I asked again why there is interest accruing when there is 0% interest. I got the exact same response, down to the letter. They didn't even read my email. Then I called them. A guy who spoke poor English did not have the answer. He tried to explain the interest was from past purchases which had long since been paid off. It still made no sense to me, so he tried to transfer me to someone else but in the process, he disconnected me. I emailed them again asking to please explain why my balance transfer is accruing interest. I got no reply for four days. Enraged, I just paid off the balance, and the very next day I got an email back saying there is no balance on my account so they don't know what I'm talking about. It's astonishing to even think about their complete disregard and reckless faulty advertising they provide their customers.

                    Add your opinion

                      By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                      • Mr
                        mr yoder Nov 26, 2010

                        i took advantage of a 0% interest offer from Capital One 2 years ago, when I accepted the offer it was for 12 months. during the 12th month I recieved a letter from Capital One stating "...we have decided to renew your promotional rate period. You'll continue to enjoy the same promotional purchase rate you are paying today until January 2011." In July 2010 I began recieving interest charges on the account so I called the company and after talking with 3 reps I finally got an interest credit, only to have to repeat the whole cycle every month for the next 3 months. Last month (October) I went through the whole thing again, including being disconnected, and did not recieve a credit. The rep I spoke with gave no regard whatsoever to the letter in my hand. There surely should be some stiff penalty for false business practices of this sort. Will I stay with Capital One? - Why not pay interest to a company that will be straight up honest about the interest charges to start with?

                        0 Votes

                      The complaint has been investigated and
                      resolved to the customer's satisfaction
                      Resolved
                      Capital One Auto Financecalling me on my job!!!

                      On July 28, 2009 a agent from Capital One Auto Finance called me on my job. The last time I checked it was against the law for a company to call someone on there job about a late payment.

                      Add your opinion

                        By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                        • Ra
                          rag2fiance Apr 15, 2010

                          There is not a law stating they cannot call you while you are at work. If you owe them a debt, they can call whatever number you provided them with at the time of application, including your job. Although there is not a law that prohibits them from calling you, if you tell them you cannot take personal calls at work the calls should stop.

                          If you dont want to be called at work dont give them your work number. If you have no other choice but to give your work number, give them your work number than call customer service to have the number removed.

                          0 Votes
                        • Ve
                          VegasDealer Jul 28, 2009
                          This comment was posted by
                          a verified customer
                          Verified customer

                          Your wrong. A creditor is allowed to call you at your work.

                          0 Votes

                        The complaint has been investigated and
                        resolved to the customer's satisfaction
                        Resolved
                        Capital One Auto Finance — hold lien of paid off vehicles too long

                        I have paid my Capital One Auto Loan in full, having never missed a payment in nearly 4 years, and sold the...

                        Capital One Customer Servicecustomer service

                        I have never posted a complaint against any company until now.
                        I have taken over my dad’s finances, and I have worked out payments with 10 other banks. Capital One is the only one that has refused to help. Although on the billing statements they tell you to call if you need help. I have been told by customer service that they are unable to help me at this time, and that I need to call back in a few days/weeks. Well this has gone on for over 10 months. I have been making payments on my dad’s behalf for the last 6 months, yet this week Capital One called me every day, sometimes twice a day asking for more payments.
                        Again I keep trying to work things out for the last ten months, and the company tells me to call back later because they are un –willing to help.
                        I have never had an issue with any bank like I am having with Capital One. If you get a chance to have a Capital One credit card, I can not express in polite terms to turn them down.
                        There are many webpages complaining about Capital One. There is even a Facebook group

                        Add your opinion

                          By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                          • Yo
                            Yolamda Holmes Sep 29, 2009

                            I had a very bad expense with capital one also I have close my account and advise everyone to do the same. Customer Service Sucks with a capital S !!!
                            p.s. tell all your family and friends please.

                            0 Votes
                          • Vi
                            vicki P. Aug 22, 2009

                            I am going through some rough financial times as a result of being out of work for 6 months, I now have a job but need someone to work with me on my Capital One credit card payments. They refuse to help their customers, they say they have no such program. What kind of customer service is this? Perhaps they would rather me file bankruptcy and get nothing?

                            0 Votes
                          • Dr
                            dragonfire 720 Aug 01, 2009

                            i try to tell c1 i have no job dont call me during the early morning or at a daily basis it ticking me off but they dont listen to me at all i mean what they want me to do rob a bank and get sent to prison and i tell the judge and jury c1 are like a pack of wolfs for blood

                            0 Votes
                          • We
                            wendell hershberger Jul 28, 2009

                            i paid a late fee for a late payment in july. it was 15.00 dollars. know my new statement says that my payment in august is 15.00 dollars less than my normal payment. the man at customer service says that my late fee money isnt applied to my july bill, its taken off my august payment, so i now owe 15 dollars less in august. does this make any sense to any one out there?

                            0 Votes

                          The complaint has been investigated and
                          resolved to the customer's satisfaction
                          Resolved
                          Capital Onerate increase/early payments

                          Capital one will not be in my wallet either. I will be paying them off this month!! Recently I had to choose to cancel my card from use to keep my interest rate @ 4.9 but I missed the cutoff date by one day. Now I pay 13.9% interest. I was never late and always paid more than the minimum amount due. Oh, recently I paid 3 times in the month of june and was charged a late fee!!?? I called them and they said I paid it too early... Not what I call top notch customer service but the bottom end of the customer being serviced.
                          Try to find a customer service number on your statement... All you'll find is a number to take more of your money.

                          Add your opinion

                            By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                            • Br
                              breadman Jul 09, 2009

                              Iwould hate to own stock in this Company after reading these complaints

                              0 Votes

                            The complaint has been investigated and
                            resolved to the customer's satisfaction
                            Resolved
                            Capital One Bankscrewing people

                            Long story short--they screwed me out of four $35.00 bank card nsf charges to the tune of $140. I closed my account and am paying a personal loan off as quickly as possible by check (it was on auto-pay through Cap One) from my new bank, Red River Bank of Pineville, Louisiana. They eventually sent me my $140 by cashier's check in the mail (woolly bully). My problems aside, I went online and found out what a truly horrid organization they are running. Their credit card practices (I don't have one, never have, don't want one) are a legal scam. I hope they fail in Louisiana soon--we have enough problems in this state already. Maybe we should all go back to putting our money under our mattresses and paying everything in cash like in the "good ol' days". Wish I could say I was kidding on that one!! Thanks for hearing me out.

                            Add your opinion

                              By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions

                              • Sd
                                sdw69 Feb 19, 2010

                                I agree- whatever happened to the good ol' days? Cash never lies, like Capital One does. I live in NY and there are Capital One banks all over this place like flies on a dog turd. Anyway, I opened up an account with them about a month ago- big mistake! I was ripped off with three NSF charges because, apparently, the purchase and ATM withdrawls I made with my bank card were "pending" at the same time two checks I deposited were. But according to what their computer system said, I had the funds available when I made the transactions. Long story short, I'm out $45. Oh yeah, they also put holds on checks forever and the funds are never available right away. This is, by far, the worst bank I've ever banked with. Liars, scammers, so many negative comments I have about them! Shut them all down!

                                0 Votes

                              IN THE NEWS

                              Unhappy consumers gather online at Complaintsboard.com and have already logged thousands of complaints.
                              If you see dozens of complaints about a certain company on ComplaintsBoard, walk away.
                              One of the largest consumer sites online. Posting here your concerns means good exposure for your issues.
                              A consumer site aimed at exposing unethical companies and business practices.
                              ComplaintsBoard is a good source for product and company gripes from especially dissatisfied people.
                              You'll definitely get some directions on how customer service can best solve your problem.
                              Do a little research on the seller. Visit consumer complaint websites like ComplaintsBoard.