Capital One
reviews and complaints

I order one credit card now someone running around with my information. I ask them to close my one card account then ask for number she told me there's no number so I said I'm calling my lawyer. In 20 minutes she called stated that they going to investigate. Now today another person Chinese called say he need to collect a debt of $100. I told him don't call my phone ever I'm going to report them. Phone number [protected]. I have copies of every payment I made with 1 card. They keep taking the amount that I gave them. Someone needs to investigate them ASAP. Can I get my money back?

My husband is a customer of Capital One investments. For over three weeks he was unable to access his account even though he called Capital One Customer Service each time. Today he asked for my help. When he tried to login he could not. We called the Customer Service support and Ismael answered our call. This agent refused to speak with me - and proceeded to "guide" my husband following the same steps we had stated had not worked for three weeks. When I advised him we'd complain about his unprofessional and ignorant behavior, he refused to provide a last name and also stated Capital One Customer Service agents do not have a code.
I told him that people like him are the reason Capital One has such a bad business reputation.
Please stay away from this company. I don't know where this Customer Service agents are located - perhaps India? And obviously they have no respect for customers, especially if we are women.

My credit card (opened in 2015) has been reported to credit beuros as closed. And new credit card (opened in 2017) was reported as opened. I called and asked to clear the situation with credit beuros as i want my oldest credit card to stay current.
Resolution was. My 2017 credit card was clised and 2015 credit card remained closed as well.
I called back and asked for a 2nd dispute to be send to credit beuros to confirm that 2015 accout is still open. Resolution was. My 2015 credit card was noted to be lost or stolen but remained closed.
I asked to send another dispute to clarify that card is open. It was lost or stolen so number on the card changed but accout remained the same. Resolution was. Credit beuros removed account from my credit history. Like it never existed.

My husband and I researched many credit card companies before we choose Capital One. Our reason for choosing them was the low interest rate and the 1.5 cash back on everything we brought. Once we got our disclaimer in the mail and started reading it. (Which I know most people don't ) It said that the interest rate was going to be the highest one 23.99% if we didn't pay it off every month (which we had planned on doing ). When my husband called to inquire about it he got the third degree and was asked a ton of questions. More questions than when he called to sign up for the card. We want everyone to know that they need to be aware of the switch and bait with there interest rates.

Sept 29 Capital one cancelled my credit card without me asking for it to be cancelled. They claimed they sent a new replacement which i never received. Its bow oct 19. They never informed me they were replacin it. No email, no text msg, no phone call.. Nothing! The worst part is i didnt realize till now it was the old card i was trying to use until it got declined. So i called to find out what the hell is going on. They gave me some sob story which i did not care to hear. This is the second time capital one has done this. And probably be there last time to me. I will pay them off an cancel the account completely. Completely unacceptable. I have never in my life been so embarrased and felt so ashamed. Here u go out to eat thinking you good and DECLINE is what u get. My thing is capital one did not apologize for the inconvenience nor did they admit fault. Over the years i've been becoming more unsettled with Capital one. And this just put the icing on the cake. ALL CAPITAL ONE CUSTOMERS BEWARE!

- Date of Incident:
09 Oct 2017
- Description of incident:
******Force to make a late payment******
-Today was the due date for making a payment in my credit card. I tried to make a payment two nights ago but the site was down for maintenance. I tried to schedule the payment tonight and would not let me to schedule the day for today so I end up calling capital one.
The representative that answer the phone stated that although it was still the due date I will still have to pay a late fee. I asked to speak with a supervisor in which I explained the situation to him. He said there was nothing he could do and that the times for due payment are in the app and the website. I proceeded to check my capital one app to see if I missed it and there was no indication of time due on the due date. I told him that I was looking right at the app and it didn't show it. He stated I can get someone to walk you through I which I reply that I was looking right at it and that he should look at your own app (all besides the point).
As a supervisor they should speak with facts not just false statement to make the company look good.
All I wanted is just to avoid paying a late fee, as a representative of CAPITAL ONE and a SUPERVISOR he should not have gotten confrontational with me and find me a solution (I AM STILL TRYING TO MAKE A PAYMENT ON THE DUE DATE)
This is not right for a customer to be treated this way and much less to be force to pay a late fee when is not late yet.

- Desire Resolution:
I want a refund if charged with a late fee.

Please feel free to contact me:
[protected]

Attached images show no time to be due ONLY DUE DAY. Which is still today.

I made my payment on 9/28 using my mobile app (as I have done for YEARS) using the exact same bank account information that has been set as my primary payment account FOR YEARS only to discover that my bank account information had been deleted from my account. I attempted to re-enter the routing and account number only to receive an error message.

I called my bank. There is no issue on my bank's end. My other payments using Chase and Visa mobile apps went through without issue and my bank account information was still linked to those accounts.

I have called SEVEN TIMES to be sent to IT who claimed they fixed the problem and accepted my payment online on 9/28. The payment was returned on 10/2. I attempted another payment on 10/3, and was told that would be returned again.

I called AGAIN and was sent to a senior account manager (Dylan at ID: ACJ432) who ASSURED me he would 'Call me with good news' the following day at 12:15 pm. He did not call.

I called AGAIN on 10/5 and was given NO EXPLAINATION, sent to ANOTHER senior account manager who was incredibly rude, told that I could not be connected to "Dylan" and then placed on hold for 15 minutes and hung up on.

I need an explanation as to WHY my bank account is no longer able to be linked to my Capital One account to make payments. I also deserve an apology for the inconvenience and multiple suggestions that I've had return payments in the past. I pay early and above the minimum EVERY MONTH. I also need this issue rectified prior to my payment due date as I WILL NOT pay charges for late payment because your company can't figure out it's own technology.

Erin Ryzyi

Greetings,
I applied online for a new credit card today (September 27, 2017) with Capital One. I was approved for a very small credit limit of $300. I called the customer service number to see if I could increase it, as it's for a balance transfer. After the automated system got through with me, I had to repeat the same information to a guy with an accent I could barely understand named "Jeff." There were children crying in the background and I couldn't understand him at all. I got frustrated from asking "what?" over and over, so I hung up and tried again. This time I got another guy named "Jeff" with a slightly more intelligible accent. I asked if he could increase my credit limit, and he said I'd have to try in 3 weeks with the "automated system" and that such a matter couldn't be resolved with a human being.
Which brings us to the real problem. I asked for a manager, preferably someone in the United States. After TWENTY MINUTES of holding, I was put on the phone with "Michael, " who never apologized and treated me like an absolute bully. His initial tone was short. In fact, I demanded that I be put on the phone with a professional in escalations or a manager, which he REFUSED to do. I asked for his ID# or last name, and he REFUSED to give either! Then he finally hung up on me! I'm now demanding that the call be reviewed. I noted the time at 3:01 eastern time during the call, but the call was placed at 2:36 PM eastern time. The phone number I called was [protected]. My phone number is [protected]. I expect someone to reach out to me and explain Michael's behavior and apologize.
I await your reply. The entire experience will then be told to a loyal social media audience of over 55k. I'll hashtag you.
Tony Shalaby
[protected]

Sept 20, 2017...i contacted customer service about lowering the interest rate on my credit card. Reason: health insurance premiums have become unmanageable, so looking into our household bills to see what we can do. I was transferred from one department to the next. From one supervisor to another. And then, back to customer service. One hour and four representatives later...was back at regular customer service. No one could help me.
I heard twice, " I don't know why they transferred you to me" ...really, I don't know either.
Very poor customer service.

This company charged me a late fee for making a payment that was 1 hour late. I was having computer problems on the day my payment was due and when I called to try to explain this to the rep he calmly told me that they no longer waive late credit card fees for ANY reason. Keep in mind that I am in an area that was recently declared a disaster due to Hurricane Irma and received an email from Capital One that they would waive late fees for those in effected areas. When I brought this up to the representative they actually quoted me the date of the storm and told me my payment was made after the date of the storm, and again it was too bad and that they absolutely would NOT waive the fees. I'm done with this greed driven company and will not ever use or recommend them again.

my payee representative account [protected] for James Morris representative for my Son Khalid Morris, who receives money from social security for is mental condition of schesophinia / mental retardation, has been frozen by your fraud dept and all monies sent for his up keep is being taken, this is do to the fact that my son who is easily used by people because of his mental condition, was used by a vandal to open a checking account without my knowledge # [protected], upon which two checks were deposited at The ATM, one for $2, 000 and one for $5, 000, when I did later receive the statement at the House with the copies of the two checks, it showed the signatures on the back no to be my sons, anyway over $2, 000 was allowed by capitalone to be withdrawn at two different branches of Capitalone mostly by ATM withdrawals, this was done on or about 7/25. a day before the bank realized the checks were fraudulent, the Fraud dept opened a case 2017072700204Z and they blocked the representative account saying that they had the right to take the money, which to date amounts to about $800, even though I explained that my son had mental issues and was not responsible, I have made complaints to the BBB in Baltimore MD, as well to the Banking Dept here in NY, my next recource is to the AG, s office, as well the social Security Dept. I hope at some point this issue can be resolved and the money but back for my sons up keep

I bought a 2005 F-150 in February of 2014 for around $13, 000. This is August of 2017. By my calculations at a payment of $460 plus change a month I have paid over $18, 000 on this vehicle. Yet when I checked on the pay off I was told it would be $11, 000 plus.
If this is truly the case I'm considering having my attorney look into my contract and your practices.

merchant that was cancelled continues to charge my card. spent over 2 hours tonight trying to get this resolved. Three customer service reps(all men) in Central America apparently dont know that women in other countries have civil rights. The first rep hung up on me when I was giving my account number. The second one kept telling me I wasnt allowed to talk to him in "that" way and h was going to hang up on me. I was asking(probably demanding at this point) to speak with a supervisor. The supervisor "Magic" gave me the run around for 30min trying to make me talk with the fraud dept.
I told him I just wanted merchant to quit charging my card. Also told me if I Choose to go through fraud dept it would take "A LOT LONGER " to have this charge removed from my account

I booked an airline ticket with rewards miles on June 9th 2017 Seattle to LAX on Alaska Airlines. See below information sent to me through email.

(Flight 25, 540 Miles
SEA > LAX > SEA (Aug 04, 2017 - Aug 07, 2017)
1 ticket
Flight Booked
Airline Reference Number: VGUIOM
Agency Reference Number: LXPYC5
Passenger 1: KRISTINA Rae WHARTON )

I had to cancel this flight and was given credits in which I used to book a ticket via an Agent (because a client cannot book their own flight using credits per your policy). This new flight was booked with my name spelled incorrectly due to the agents error. Please see flight information below per my saved emails.

(KRSITINA.RAE WHARTON
Trip Locator: LXOR5O
Flight: Thursday, 3 August 2017 Airline Reference: JGXDCA
Seattle/Tacoma (SEA) to Anchorage (ANC))

As you can see the agent entered my name incorrectly. The morning of my flight I noticed the error and spent a hour working with an agent who said I may not make it through security due to my incorrectly spelled name and also I would not be eligible for my rewards miles from Alaska airlines since my rewards plan had a different name as the ticket. The Alaska Airlines agent was unable to change the name because it was booked through Capital One. Since the flight was so early in the morning Capital One was not open and able to change the name in time for me to make my flight.

Thankfully I was finally able to convince security to let me on my flight and had to run to catch the flight. When I called Capital One the agent,
Yesenia Agent Sign KA, who claimed she was a supervisor and she was unable tried to convince me that 1) This was my error because the flight was booked online and I had spelled the name incorrectly. I have physical proof via my emails that this is a lie. 2) She tried to say tell me that talking to the agent at the airport would be my best solution which I explained to her I had done for an HOUR before my initial flight. 3)She then tried to get me to cancel the flight and pay the difference in cost to rebook the flight. 4) She refused to talk to both of Alaska Airline Representative and myself concurrently which I told her multiple times would be the simplest way to cut out any confusion and find a solution to this problem.

I spent tens of thousands of dollars with Capital One in order to gain the rewards miles to book this flight and the fact that I was treated so poorly and the customer service provided by a supervisor was subpar is an awful reflection of the Capital One Team. I spent almost 2 hours on the phone with Yesenia getting placed on hold for extended periods of time. If this is how Capital One treats their loyal customers I am no longer interested in being a client. Yesenia's interest was in "being right" and not resolving the problem at hand.

I will be writing reviews everywhere I can find if there is not some level of consideration for time and hassle due to the errors and awful service given by your team.

Thank you for you time.

I signed up for a Capitol One Card back in March of 2017. Card came in, used it and never received a bill. I called in to find out what was going on, verified my information and they had no clue why I never received a bill. They then tell me to download the app on my phone and pay my bill there. Done and done. I have been consistent with paying my bill and even double paid to show good faith. Everything seems okay till I call the Customer Service Department. Capitol One like so many other companies outsources their call centers overseas and the customer experience literally goes to Hell. The reps are quick to talk over you and constantly put you on hold because they truly have no clue what the hell they are doing. They are also very rude and highly disrespectful. I have had 4 total different reps from the overseas call centers and domestic ones and every rep has given me a different answer to my question. Last night I had finally reached my wits end and spoke to a Supervisor who was even more disrespectful than her Reps. She would constantly over talk me and had an extremely condescending tone to her voice. She constantly kept asking me "What would you like me to do about it" when I asked her a question. I have been in Customer Service for over 20 years and dealt with tons of markets and companies and would never treat a customer like I was treated. It even amazes me that on the BBB 98 of the 114 reviews on here are Negative reviews. But when you pay for your Rating/"Accreditation", I guess you truly do not have to care about what people review about you. Because if this was a true non-accredited rating it would be a solid F. This company is absolutely Horrible. Customers beware!

8/02/2017: trying to pay off car loan: want it on my credit card. There is NOTHING on the monthly statement saying that a credit card is not acceptable--yet the passive-aggressive phone kid, Jay UZ (which he SAYS is his 'designation') has kept me on the phone with his BS and on hold in excess of half an hour. THEN he hung up. VERY frustrated. VERY angry. By law--if there is no specificity regarding payment options; I do NOT have to surrender my banking info to these yahoos. And of course, for every day that they do not accept pay off--they charge MORE money. This is just WRONG!

Hi my name is Jaysher Batson. I'm very upset with the service I've received recently. I got an at home job through O'Reilly Auto Parts from indeed.com but it was too good to be true. It was a scam and I reported the hiring manager and gave you the email address and phone number that was used to contact me. I also reported it to the credit bureau just in case of identity theft. Capital One is the only bank account I have and I also have 2 credit lines with you. I'm really upset because my account was closed abruptly. I was mailed a check from capital one with the remaining balance from my account. The check could not be cashed at Capital one and I tried several check cashing locations. Western Union told me I needed to void or cancel the check in order to move further but instead I went back to the Capital One in Queens Village. I waited for about an 1hr and the manager came back and said this check can only be deposited not cashed. This was crazy because the Account Security assured me that I can cash it. Anyway, I went to a Western Union and because the manager crossed the information (Capital One Richmond VA #'s..) out on the back I was unable to cash it once again. This time the teller told me you need to mail me another one in order to cash it. So I need to know what to do, and how to do it. I cannot get another bank account and I need my money now. Thank you for your consideration. P.S. I've left 3 messages and an email for the past 2 weeks with Account Security. Help right now would be greatly appreciated.

I have leased a car in 2015. Been mostly on time with my payments until now. My husband is a disabled marine vet, we have a one year old son. I just lost my job two months ago and recently got a new one barely last month. So i couldnt pay the payments and gotten two months behind .. i have asked them to schedule an auto payment on my acc for tomorrow... July 26.2017.. they told me they cant do that (dont know why) so i ask to leave a note. They say the did. Today they repo my car. One day before i can pay my debt off. The whole amount! Which is $942. How ignorant they are to not call me or leave a voice mail or notify me. They pretty much screwed my family. We have a baby and a disables vet and no means of getting baby formula or me taking them both to their doc apps. Also no way of picking up the car from the towing company. If there is a way i can sue them for this. I will!

‪Thank you for allowing me to reach thousands of users to tell my story about Capital One and their fraud practices. I am a victim of fraud because Capital One allowed my husband whom I am separated from to open up a card in my name. I didn't live at the address and the phone and email was not mine however they sent him a card. I was put in touch with the fraud dept Haley their "fraud dep specialist"? informed me my husband didn't commit fraud because after 17 years of marriage he knew my social and full name! I have been dealing with this trying to undue what they allowed to happen only to find after their exhaustive research they decided that I am responsible for the charges! Here's the kicker! I am not able to obtain any statements and was denied online access to what's been charged! Seems a little backwards now? Perhaps they should have asked for that before they mailed a card. I am filing complaints to all consumer websites Attorney General, Comm of Finance, Investor relations and anyone else. Capital One earned your name as the #worstcreditcardcomp. Yikes the complaints site! ‬

I applied and was conditionally approved. After talking with one of your agents I explained I make over 120K a year and rebuilding my credit. I was told that I don't qualify to get a lpan bc I work for the U.S. govt outside of the U.S. so what I understand is that you don't support troops in foreign countries. I want to talk to management I plan to take this complaint up as high as I possibly can if I have to take it public and make sure everyone knows you don't support our troops and veterans.