Capital One
reviews and complaints

Hi my issue is that I applied and got the Walmart capital one card with a $1,000.00 credit limit and I just was done with a lot of credit problems from past I resolved it and started fresh. Long story short they must of been upset when I used up all my credit but then I paid it all back in full. I was trying to build my credit I thought it would have been a good thing. No they got suspicious of me because I paid them back in full. I bet if I didn’t do that I’d still have a credit card. Everyone I’ve told me story too agree that this isn’t right and it seems like some crooked stuff. Now it looks terrible on my credit report. Igor it back in September or October of 2022 they closed it in February i believe. I sent in my ID proof of address and I think one other thing I forget. I did what I was told and sent in proof and then I believe they didn’t get it in time or something along those ..

Capital One locked my card and refused to unlock it unless I sent them a copy of my ID card. Although I could verify my identity in numerous ways, they refused to accept anything less than my ID card due to the fact that their system would not allow them to send a code to my phone number. I found this strange as the online 2-factor verification for my account had no issues with the phone number. What I really find amazing is that they canceled my account, at my request, without verifying my identity, but they would not unlock my account so I could use it. How does that make any sense?

Capital One really needs to look at their customer identification process. There should be no reason that my personal identifying information that I can provide over the phone is not enough, especially with the identification process required to even be issued a card.

I called and asked what amount I could send in to pay off my credit card and they gave me an amount. It was around $3,300.00. I specifically asked if that would be all and was told it would be. My daughter misunderstood and sent in payment for $84.10 that we were billed after that phone call for interest. Today I called and was told we did owe that $84.10. I just think they should stick to what they told us. They can listen to the phone call if needed to see that is what they told us.

I have two credit cards with capital One and ive been trying to upgrade to a better card like the Venture or Venture X for the past six years.

Never received an upgrade and keep in mind I have more than excellent relationship with them. I will be closing the accounts in a few months once paid off.

The agents sounds robotic and say the same thing over and over for the past seven years. Repulsing is the minimun I can describe.

Don;t apply for these cards, you will regret it.

9/1/23 call and asked for updated card ,this one was valid till 7/23, [protected] First agent was so broken english that I could understand him. Called later and got another broken agent asked forr a enlisgh speaking agent,to no where.In the mail a check for 1800.00 and change. I have had a capital one card for 35 years and I dont have this problem with my other card ,so I canceled the card and you lost a customer!

My name is Chris Salmon. My credit card account was restricted without explaining why. I was asked to verify my identity. I sent the required forms twice. Without even notifying me, my account was closed. Credit karma let me know about the closure and that my credit score has dropped by 70 points! For no reason! I've done nothing wrong and you have done absolutely nothing to do resolve the issue.

My name is Vena Culliver my account ending in #5098 payment was due August 27, 2023, when I realize it, I called in and made a Electronic phone payment (Auth Date 27 Aug) but because I called at 8:36pm and made the payment after 8:00 pm. I was charged $25.00 past due fee. The customer service rep explained, I must call after the fee is posted to get help. My payment history shows this is my first late payment. Can you help to remove this $25.00 fee.

Thank you

I just started an account in July and started attempting to make payments. My bank kept blocking the payment. I was so frustrated and could not figure out why I wasn’t able to make a payment and kept trying. My account is now closed before I even had a month to try and make payment. I have now figured out by using my debit card the payment goes through immediately but my account has already been closed! This is my first credit card and I didn’t even get a chance to make everything right bc I tried to make the payment too many times. I did not even get notice they may close my account or help in what to do. [protected]@yahoo.com Ashley Montgomery

I have a bank account with Capital One, through which they send me offers for their credit cards. I decided to check if I was pre approved for a card online, which I was. I applied for this card, following their unsolicited offers. I received a voice mail requesting me to call their fraud department to verify my identity. To begin with this is ridiculous as if I call, this means I am who my application says I am.

In the call they required a drivers license or state ID - two documents I don't have. I have an SSN and American Passport. One of the supervisors told me I can send my Social Security card by fax (what year are we in?). I did that and waited. I called back and was told the team received my document and this needs to be reviewed and I should call back in 3 days. I called back and was now told that only a drivers license or state ID will suffice and that the document I sent won't help in any case. Why was I told to send this document then? each agent tells me something different and this procedure makes no sense as they reached me through the details I provided in my application, meaning my identity should be verified. How would I have know to contact them if the details were false? Why are they offering me cards and pre approving them if they can't verify who I am? This has been extremely painful to deal with.

Re: Dispute of Late Payment Reporting on Auto Loan Account #[protected]

I am writing this letter to formally dispute the late payment reporting on my auto loan account, #[protected], with Capital One. This account was included in my bankruptcy case, #19-70525-grs, which was duly processed and finalized in accordance with all legal procedures. I believe that Capital One's ongoing reporting of late payments to the credit bureaus is in direct violation of the Fair Credit Reporting Act (FCRA) and requires immediate correction.

I am aware that the FCRA mandates accurate and fair reporting of credit information by creditors, ensuring that consumers' credit histories remain free from erroneous and misleading data. According to my understanding of the FCRA, any information regarding an account included in a bankruptcy proceeding should reflect the account's discharged status. In light of this, I was alarmed to discover that Capital One has continued to report late payments on the aforementioned auto loan account, despite the discharge of the debt through the bankruptcy process. This has caused receiving a mortgage, reasonable credit card rates, and vehicle loans due to the false reporting of late payments.

I kindly request that Capital One promptly take the necessary steps to rectify this situation. Specifically, I request the following actions:

Immediate Removal of Late Payments: I request that Capital One promptly remove any and all late payment entries associated with the auto loan account #[protected] from my credit reports.

Accurate Account Status Reporting: I further request that Capital One update the account status on my credit reports to accurately reflect the account's discharge through bankruptcy case #19-70525-grs.

Written Confirmation: I kindly request written confirmation from Capital One once the necessary corrections have been made. This confirmation should specify the exact date of the corrections and any further actions taken to ensure the accurate reporting of my credit history.

I believe that resolving this matter promptly and in compliance with the FCRA is in the best interest of both parties. Failure to address this dispute in a timely and appropriate manner may necessitate further legal action to ensure that my rights under the FCRA are fully protected.

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute. Should you have any questions or require further information, please do not hesitate to contact me at [protected] or [protected]@gmail.com. Kindly respond to this dispute within 30 days of receiving this letter, as stipulated by the FCRA.

Dear complaints board, please assist me with Capital One trying to tell me which type of funds I can use to pay my bill. This is insane! Cash is cash if I pay by debit or checking, they don’t have the audacity to tell me how I’m going to pay my money for a bill, this is a complaint, one of many that I will fight a company telling me how to pay a bill (which method) SEND THIS COMPANY TO HELL!

Found out about unauthorized capital one credit card account since Dec 2022. Filed it to the Capital one fraud department immediately and sent a few certified mails including evidences to support that the account was not opened by me.

First the capital one seemed helping and cooperate to resolve but never listened or acknowledged what I said and sent. They knew the card was sent to an address which I have no knowedge and they knew the card was opened with my previous/old name. I did everything I can to prove that it wasn't me. I sent all my ID copies with previous addresses, auto insurance copies, my house lease contracts and legal name change copy too. I filed a police report also and this 8 months battle was in vain.

Since it was a identity theft issue, there were other credit cards were illegally opened such as Discover, First Bank and TBOM. These companies worked with me and got rid of the wrongfully opened accoutns but not the Capital one.

They still sent me letters and emails saying that their investigation is completed and I'm responsible for the fraud account activities.

I have now contacted to get any legal help and I was told that Capital one is known for the above types of bad fraud department reputation and I should negotiate with them to pay. I do not know what to do but definately not want to pay for what I'm not responsible for.