Capital One
reviews and complaints

I received a ppp loan on March 15th, 2021. My account was frozen to provide tax return info, business lic, and advertising to get my account reopened. The SBA provided this loan and I know my financial responsibility. What is the next step of this process. My business is listed under my name and social.

Ashley Love
Acct#[protected]
[protected]
[protected]@yahoo.com

On December 27, 2020 I had a payment come due. However, this month was tough as I had been positive for COVID as well been out of work that entire month. Come January I was late 12 days, so I reached out to the company for help. I spoke to a representative and he said he could set me up on a payment plan and broke up payments over three months. My first payment came out feb 25 for 444 dollars. All is well until feb 10 when I received a 30 day late notice and late fee. I called them and was transferred several times, dropped calls, and left on hold. Finally, I reached the escalation team. I Spoke to the rep and told him what happened.. he replied very arrogantly that although I was in a payment plan it was only meant to keep me in my car.. not to keep marks off credit. First of all I have never heard of any agreement that still sets you up for failure like that. Secondly it was never explained to me that this wools happen. Lastly, he also said I should just pay my bills .. I had enough. I went off as I had been through so much dealing with COVID and being out of work clear into January with short term disability.. I have never been so duped or disrespected by any company ever. They have the worst customer service as well very incompetent when giving information regarding your account. I reached out to the office of the president .. asked if they could review the issue again.. same response from their credit team in Plano, Texas headquarters. Stay far away from this company!

For many years I have paid via online banking bill pay thru my bank. All of a sudden your not receiving it. I have called 5 times and no one can help me. Nothing has changed at the bank. What is the problem. When I call the persons are in Manila, I would appreciate an American who could better understand the langauage. I ask questions and I don't think they understand. At least they don't answer. I will be forced to close all 3 accounts I have with you if this isn't corrected.
Carolyn Griffin
[protected]@yahoo.com
[protected]

I am a Capital One credit card holder (2). I made a payment at 5:02 PST yesterday 3/10/21 which was 2 mins after the deadline to be considered late. I was charged a $37.00 late fee on this account. Though I understand that the payment was technically late (by 2 mins!) I requested that the late fee be removed. Said request was denied. From a customer service standpoint I feel this is ridiculous and horrible customer service. How a company can do business this way especially in this environment and keep customers is beyond me!
Card holder = Mark Smith
last 4 of S.S. = 5381
last 4 of C.C. = 2775

[protected]@gmail.com

I have used the same user name and password for this account for a while and have never had a problem accessing my account.

Recently I moved and, at my new residence attempted to log into my account. I typed in the correct user name and password but - apparently - the system noticed I was calling from (the same computer but a) a different physical location.

It offered to verify me by texting to my phone number but - as I had changed phone numbers - this could not happen.

You have my email but refused to verify my identity using that method.

I will not send photocopies of anything to you. I did nothing wrong. One of your supervisors, Paul (emp. # LVZ152) said this was for security reasons. I know my user name and password. If that is not enough security then why does that info usually suffice?

I am a loyal customer with capital one. I have my credit card, debit card, and auto loan. I am very upset how capital one reps handled my situation. A representative sent me out a new debit card and did not link it up to my bank account so now I have to wait for another debit card. I really need my debit card. The representative is very irresponsible. I am very upset about how capital one reps handled my account.
Why should I have to wait when it was capital one mistake.

I recently refinanced my 2014 Chevy Traverse with my credit union. Capitol One was paid off on December 16, 2020. I then received a letter from Capitol One on January 5, 2021 stating my account was paid in full. I then sent that to my credit union which my loan is now through. On February 12, 2021 I received a letter from my credit union stating they had not received the release of lien. I then have reached out MULTIPLE times to get my release of lien so I can send it to my credit union. On March 8, 2021 I finally was told they sent it out on December 22, 2020, however I NEVER received it. Even the letter sent out on January 5, 2021 states that if I haven't received it that I should in coming weeks. I NEVER got this paperwork and now they seem to think because it was over a month that now I have to pay $23 for something they claim to have sent, but I NEVER received. I WILL NEVER DO BUSINESS AGAIN WITH CAPITOL ONE! I have spent over 2 hours of my day being sent back and forth and it's about a joke. No $23 might not be much to some but I refuse to pay for something when I should of received it already for free but I never got. Every CSR I have talked too through Capitol One just tries to send me back to my title support, then my title support tells me I need to contact Capitol One to have them waive the fee and resend my release of lien that I never have received. I'm NOT happy with how Capitol One has handled this situation and as stated above I WILL NEVER DO BUSINESS WITH THEM AGAIN!

On Feb 22, 2021 I deposited a check that I did not know was a check from a closed account due to fraud on their end. Capital One reversed the deposit and put a freeze on my account. I then called and resolved the issue with Capital One Fraud department, they lifted my account to where I could use it, I deposited money to pay bills. today my account is frozen again after I but my paycheck in the account.. I called and the reason they said was the check I deposited. they did not investigate the check or even let me know what was going on with my account. Now I can not get my funds out and I no longer can have a checking account but they have my money. I am angry because I have been with Capital One for along time and have not had any problem until now. They are suppose to send me a check no telling how long that will take, I have bills that are due including my Capita One credit card.

This company transferred me to various different departments and did not help me to be able to log on to check my balance and make a payment. I experienced very long wait times. The company needs better customer service. I have been doing business with this company a long time. The service seems to have gone down hill after general motors sold the business to capital one. The company should do better and if they do not start getting better, i am going to look for another company.

I don't use companies that are political.

Plus having someone like abuser madman such as Alec Baldwin, represent your company is not the smartest move. I have plenty of other options.

Anyway, I cancelled one of my capital One cards a year ago and I have not used the other card within the last few years.

You lost another customer forever. I do mean forever. I still warn people about [protected]@T for what they did to people back in 2002.

Dennis Owens
Colorado

I been bounced around by their autmated system over and over again and even after pressing 0 after none of the options apply, I still get bounced around by reps!

This is freaking horrible! After almost an hour I have yet to speak with someone in the preapproval department! I hate better things to do and a huge business to run! Do no waste your time with them because itll be long holds, no help, literally nothing!

I am closing all freaking accounts with them! I have checking, 2 credit credit cards, and a car loan and guess what... I m leaving these freaking people asap!

Have had a Walmart credit card for several years. It was previously through Synergy Bank and now it is through Capital One. Its business practices are abusive and unethical. It has a 22.90% apr and have so many tricks and loopholes to overcharge customers for fees it is insane. I pay the statement balance very 28th day of the month. Well, it has to be made by 5 pm, if you make the payment 1 second late, they will [censored] you a $28 late fee plus interest charges for the next 2 billing cycles. Walmart and Capital One are preying and destroying people's credit unfairly. Please provide me some assistance.

I'll try to make this quick but...
So I simply wanted to add my wife to a joint account. I already had my own account.
I started it online then confirmed my identity with them on the phone, sent an "invitation" through their web site to add my wife.
They called her and confirmed her ID etc.
Pretty much that should have done it, no? I mean they had proved it was my account (I requested her to be added through their online site!)
But NOO-ooo!
They said they had to talk to me. They insisted I use their APP (What if I didn't even have a mobile phone?!) to confirm my Identity.
The App would not work with my phone (they want you to click a link that opens your camera to take a photo of your ID then send it to them).
It would not work after I tried for about an hour.

I said, "There HAS to be another way to confirm my identity!"
They said "No, it has to be through the app."
I said, now getting very irritated, "BUT THE APP DOES NOT WORK WITH MY PHONE!"
Let me speak with your supervisor, please.
"NO, I'm the highest ranking person here."
Well give me a number of someone to talk to another day who is your supervisor then.
"No."
But there HAS to be a way to confirm who I am! What did you do before using the app?
"No it has to be through the app!"
"BUT THE APP DOES NOT WORK!"
And on and on...
I said, "But I can send you a photo right now via the email I have on file with you, of my Passport, my marriage license, my drivers license, my credit card, my face... all of the above!"
"NO. It has to be through the app."
So you are NOT going to help me?
"NO this is for your security!"
"Tell me what you are protecting me from! I am not taking money out! I am adding my wife with my same last name, same address, to MY account, and she's already proven her identity!
And I requested this through YOUR SECURE SITE!"
"No. It has to be through the app."

So why in the world would they treat a customer this way?
Why would they NOT allow an alternative ID method when their APP does not work for their long time client?
Why would they NOT allow me to escalate my problem to a higher-up manager?
Why would they not want to add MY WIFE to MY ACCOUNT that I've had for years?
Why are they such Aholes?

So... I'm now looking for a new bank to change to.
I don't want to use them AT ALL any more.
LOUSY customer service! The WORST!

Since the unusual issues with USPS, I have received my monthly bills later than usual. I always pay my bills on the day I receive them and have never had an issue. Over the past 2 months, I have received my first late fees since opening the card in 1995. Today, I called to ask about removing the fees, since I am a long time customer, and have never paid late, but apparently no one would or could assist me. Today, having no alternative, I cancelled the card.

On Wednesday February 3, I attempted to send money, via the Capital One 360 app as I've done many times in the past. I got a message to verify my telephone number. I entered my number which I've had for over 18 years. And the message read that my number was "not verified". I proceeded to call Capital One and after 2 lengthy conversations, they asked me to send proof of id (my driver's license), which their system could not read after various attempts. The representatives indicated that this was not 'their request' rather Zelle's and this was the only way. I submitted the id and was told that I would be able to use Zelle. On Friday, February 5th, I attempted to use Zelle and again was met with the same error message. I called Capital One who at this point knew I had called previously and was immediately transferred to a manager. The manager knew the problem and proceeded to say that there was nothing they could do since Zelle was the group that needed to clear this up. When asked how long this could take she said days, weeks, noone knows. When I asked what my recourse was she said I had none. I chose to do business with Capital One and they elected Zelle. Today is 2/8 and I am still not able to send money using Zelle.

Capital One changed all their checking accounts over to "Simple" and in the process deleted everyone's past bank statements from the internet. This is no way to run a bank and should be investigated. When the account was set up it claimed to always keep the past 7 years of bank statements available online, so this is a clear violation of their own policy by not doing so.

After having a Quicksilver card for many years, and using it very little or not at all, I called to have the fee dropped for the year. This has NEVER been an issue. This year, BIG ISSUE. We don't do that. You have had that before. We don't care if you use the card, It's what you signed up for. Etc...

So, it's pay the fee or cancel the card. I think I will let my credit score take the hit for canceling a card rather than pay the fee for something I don't use for a company with customer service that has gotten so bad. These answers took me two humans and 30 minutes. And, the answer was still ridiculous.

From 1/27/2021, I was locked out of my CapitalOne online access. I worked with tech support and reset my password several times. Then I received a screen for 2-step verification. Every method I try, I got an error message. I called again and was told I was locked out for 24 hours because of too many invalid attempts and there was nothing they could do. I spoke with a supervisor who said the same thing. She refused to let me talk to her supervisor or transfer me to someone who could do something.

In effect, they are denying me access to my money.

On 1/23/2021 fraud was committed on our account wiping out our entire checking account. CapitalOne360 had no safety measures in place to prevent the fraud and did not raise a red flag or block the account until we gave authorization. CapitalOne360 did nothing to assist us to date. We are at a tremendous loss and are seeking help to resolve this.