Capital One
reviews and complaints

On April 20th 2023 we were looking to book a hotel room. When doing so we found a rate that was acceptable but when progressing to the next page there was an absorbent amount of fees added. At that moment Capital One sent a text message telling us to proceed with this transaction, we need to enter a passcode, which they provided. We elected not to book this Hotel so we did not enter the code. We then booked elsewhere.

That was a Thursday, come Monday 4/24/2023 I looked at my statement and saw the charge had gone through. I called the Hotel and told them we did not authorize the transaction. They told us that this was a nonrefundable reservation and were not willing to deal with us at all. We cancelled the reservation as we did not authorize and intended to dispute with Capital One.

We sent Capital One all the evidence they requested, including the unauthorized reservation confirmation, cancellation, and the text message from Capital One instructing us to input required passcode to complete the transaction.

Capital One will not credit the charge unless we provide documents showing the Hotel agreeing to refund us the money. I have spent hours on the phone with them arguing that we never authorized the transaction as we did not enter the passcode generated by Capital One. Capital One simply talked in circles stating that the documents I sent showed that I was aware of the transaction. Well of course I am aware of the transaction I saw it on my statement 4/24 when I called to dispute it.

Capital One even stated that there were other customers calling with the same issue of having their card charged without the required passcode being entered. However, they were insistent that I was "aware" of the charge. I never authorized it; I didn't enter their required passcode, so I am stuck having to pay for something I never used.

Horribel experience with Capital One, I have paid the balance and locked the card and will not use it in the future.

Capital one restricted my account for NO REASON this morning, 5/21/2023. I set up a joint account for me and my fiancé, and capital one decided to remove access to all of my accounts for the day. And because their customer service sucks, now I have to try an figure out to survive the day and miss bill payments that are due today. Will capital one reimburse me, doubtful! This is unacceptable. I did NOTHING to have my account restricted.

I have two payee accounts which I have had for over 11 years with Capital One. During the years I have transferred money between the two accounts as needed. I can no longer use these two accounts as I have in the past because someone has changed the savings account to a custodial account. I have tried numerous times to transfer money from the savings account to the checking account to cover charges that need to be paid.

Today at 5:30 EST I asked to speak with your Account Supervisor, Chris, ID #536643 concerning this problem. He was not sympathetic in the slightest to my problem. Needless to say I was very disappointed in his failure to help me and I was quite upset.

My only option at this point appears to be taking this money elsewhere. But, this option will require added time for me to open other accounts with another bank and get the Social Security deposit changed to another account. This will also require the inconvenience of changing the information with social security data base reports that I must file yearly and have just filed for 2023. In addition I will have the expense of ordering new checks and getting a new debit card.

Please advise me of what you can do timely to help me.

My beloved mother passed on April 6th, 2023, I was devastated. Through my griefs I took the time to do a right thing and called Capital Bank and Walmart to cancel her card due to her death. They now just sent me an invoice seeking payment, naming me an estate, when I specifically told them that there was no estate or responsible. THEY ARE VOULTURES that come feeding after the death. And NO do not contact me, the lady is dead. I myself I have a card with Walmart, I will make sure I get rid of that before they come show their other set of VAMPIRE skills and come sucking my left ones blood. And do not apologize either and if you guys persist, I will have to legally get a lawyer myself for the stress being inflicted upon me.

Hello,

My name is Patricia. I used capital one travel to find a hotel in Jacksonville Florida. I used them bc I am a cancer patient at Mayo Clinic and I have treatments here and I must stay overnight for these treatments and being clean for the treatments are important due to my low immunity.

I thought by using capital one travel since I don’t know the area I would be smarter to get a decent hotel at a better rate. However, what I have learned is I booked a stay through my capital one card at the Homewood suites in Jacksonville and the total cost for me was 93$. Now this may not sound like a lot to you but for me being a single mom means a lot especially when I have to come here and stay overnight for treatments.

My issue is capital one travels uses “travel smarter every step of the way” but that is a lie! I booked this room but when I got there it is truly a nasty “crack house” the floor had dog food all over it, smelled like drugs, shower had hair, the tv was on and it was like someone just left that room. So why is it on capital one travel? That isn’t smarter. I spoke with capital one travel supervisor Daniel C and he has denied to return my money which puts me in a bind to find a new place where I can sleep, and then have surgery tomorrow. What kind of courtesy is this for your customers. I don’t know if you can help by refunding my money like a decent human being would do, maybe not, but I will be telling my story to every person I run across regarding the travel piece for capital one. You all make millions of dollars from people like me and you all have set me up to fail and then steal my money🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲🥲

Sent from my iPhone

Greetings,

I need all funds paid to BOTH of my CapitalOne cards released ASAP!  Both card show over payment and it is beyond logic why there is a 26 day hold.  I spent over 1 hour speaking with customer service AND fraud department, both state it is a system issue and there is nothing they can do.  I am currently in Fiji and need to use my cards.  If I knew there would be a hold, I wouldn't have made the payments. 

On May 2 + 3, 2023, Bank of America confirmed all payments (over $1500) were released to Capital One - 9 days ago.  Below are the credits showing for each account, yet no available credit.  I can be reached on my cell 1.404.660.5281.  Thanks for your attention.

Kunmi

I called to remove an authorized user from my account and was told it needs to be handled through a dispute. Nobody could tell me what was being disputed, just told me that is how it is handled. Basically, nobody wanted to give me information, just had me on hold for 30 minutes each time I called, to tell me it's handled through dispute. And there is nobody to contact in that department for clarification.

In febuary a company I hired to make me a key to start my truck could not make the key. After 30 min rep left without a receipt or telling me anything else except he could not make key. Later that day with no approval from me he charged my debit card over $500! I filed a dispute, I sent ya'll an email with my side of the story. I also sent an email which I will send you that proved they did not make me that key they were hired to make. I proved I had to tow my truck to three repair shops to finally get the dealer to make a key that the company in dispute admitted they could not make but still charged my debit card over $500. So if company in dispute had made the key I would not have had to tow truck to three other repair shops. Email I sent had all three repair shops info, including name, adress and contact person. Your customer service sidded with company that illegally charged my debit card $500. I stayed in contact with customer service but I feel I did not get a fair deal.

I tried to pay with both my Quicksilver and Savor card to book a flight. Each time, you sent me a code to enter - no problem. The problem is, American Airlines couldn’t process my reservation and we lost one of the flights we were trying to book! I understand fraud alerts, but, y’all need to get something done - I lost a lot of rebate money and had to use my AMEX!

I'm no longer working and I fell behind in my credit card and loan payments. I contacted all my creditors and everyone has agreed to lower my interest rate except CapitalOne. I have been a faithful customer for years... SHAME ON YOU CAPITAL ONE! I borrowed money from my son to bring my account current ($1429) now my monthly payment is $100 more a month than it was before I fell behind and they still refuse to lower my interest rate. Interest rates, food, gas, utility bills are all on the rise, Capital One you can do better!

I pay all Capital One card statements over due amount l ahead of due date. I just paid statement and Capital One misapplied according to my issuing bank. I was then charged late fees and interest over $230.00. My payment record is great but Capital One agents refused to waive charges but gave me a $50.00 credit. I will never use Capital One again and will file a notice on all social medias. Michael Sparkman

I paid my 2013 Nissan Juke off on December 23,2022. Today is April 21, 2023 and have yet to receive my car title. I have made several phone calls to Capital One Auto Finance. I have spoken to Charlie, Joey, Albert, and one other person didn't get his name. I told each one of them my address is missing unit A and everything else is correct. Every time I would call about my car title my address was never corrected in their system. This is ridiculous and unprofessional. I just want what I paid for. This is not a unreasonable request. It's simple. I have paid off several cars and never had this problem getting my title,but they weren't Finance with Capital One Auto Finance either.

BJ's switched credit card companies in March 2023 to Capitol One. The first problem I had after activating the new card was that it was rejected at BJs gas station. The helpful BJs employee explained that many people were having the same problem and to use another credit card.

The next problem was a new interest charge on the April 2023 statement. I had automatic payment of the full amount in effect so I knew this had to be a mistake and contacted customer service. After discussing the problem with three different agents who all agreed it was a mistake, they said I had to pay the interest charge and the I would get a credit the following month. I ended up so mad I just cancelled the card. What a circus of clowns. I will never do any business with this company again.

I have tried repeatedly to register my BJs card for online banking. Today I spoke to a very helpful young lady who discovered that the problem was caused by you misspelling my surname on the BJs card. She then asked for my phone number to verify my account. I gave her the number, and she confirmed that it was the right one, and then told me that she was unable to verify my account that way. Then she sent a link for me to upload a picture of my Driver's License. Four successive pictures proved inadequate (God alone knows why), so I offered to send a picture of my passport and was told that a passport was "not sufficient" to prove my ID. WTF is wrong with you people? A US Passport is "not sufficient" to prove my ID?

This was on April 12 at around 14.55.

I called to discuss the late charge, and I was told there’s no way it could be forgiven. The payment was made on time as I told them many times they would not take further action at this time I use someone else’s bank account, which was my mother and I know exactly when I was with her and it was definitely not at 8:55 PM. I couldn’t have used her bank account at that time because I would’ve known the number I want the late fee forgiven in my account back on track like it was.

I was unable to get to purchase TS tickets back in Nov, just like many. Understandable, system issues, problems, bots, whatever, however, I have been trying to purchase tickets with Capital One as well as directly with Ticketmaster ever since. I have been unable to do so, what is the issue? There appear to be tickets available, I have been a Capital One cardholder for years, as well as, have purchased tickets from Ticketmaster and been an account holder with them for years, I am not a bot, please check my accounts. I do not want to purchase these tickets on other ticket sites where the prices have been drastically increased in price (should be illegal the amounts they are charging). Can you assist me? I would like to purchase 2 tickets (1 for myself and 1 for my 72 year old mother-Bernadette Lege and Nancy Goral) Tickets for Saturday April 15, 2023 in Tampa at the Raymond James stadium to see Taylor Swift at 6:30pm. Please advise as soon as possible. This process has been very stressful and the far from customer friendly, months of effort and now down to the wire. Please assist.

07 February 2023
CapitalOne
P. O. Box 30279
Salt Lake City, UT [protected]
RE: Case Number: [protected]
To Whom it may concern:

I follow Robin Roberts, Anchor Good Morning America, and received an email indicating she was leaving GMA at the end of the year because of a new business she started with her partner. On 12/26/2022, I clicked on the link, read all about the product, then decided to place an order.

• 12/26/2022 – Received email invoice
• 12/28/2022 – Received email indicating a label has been created for the shipment
• 12/28/2022 – Attempt to track shipment – not showing in system (continued to track daily through 1/11/2023
• 1/11/2023 – Discovered Robin Roberts is still the anchor on Good Morning America and researched the company online – found that there is 61% chance this is a scam
• 1/11/2023 – Called CapitalOne to submit dispute – temp credit issued on account
• 1/14/2023 – USPS tracking shows shipment was delivered, however it was not until 1/22/2023 that I discovered the shipment on the porch behind a plant when I opened the door to retrieve another shipment that was delivered (I have RING, and USPS should have rang the doorbell when delivering the shipment.
• 1/22/2023 – Called merchant to request return process for shipment. Merchant refused to provide information. Said there is no return process. I ended the call and then sent the merchant an email to request return process information – no response.
• 1/22/2023 – Called CapitalOne, spoke with Julius – told him I wanted to provide update on the dispute. Explained that I called the merchant to request the process to return the shipment and the merchant refused. Julius explained there was no update on the dispute but would add my information to the claim.
• 2/5/2023 – CapitalOne sent an email indicating the claim was being closed and the credit was being reversed.
• 2/6/2023 – Called CapitalOne to question email and first spoke with a gentleman that read the script very well. Any and every question I asked, he responded with the same script and said a letter was mailed out to me on 2/2/2023. I did get him to acknowledge my phone call to CapitalOne on 1/22/2023. However, I did not feel he was directly answering my questions and asked to speak with a supervisor. I do not remember her name, but the difference between my conversation with her and the conversation with the first gentleman was the fact that she provided additional details outside of the script. In other words, she explained that I needed to review the 2/2/2023 letter for additional information on next steps and that I would be required to provide a signed response for further consideration on the claim.
• 2/7/2023 – this letter to CapitalOne in response to the 2/3/2023 letter received. Please note – neither agent I spoke with on 2/22/2023 explained to me that I could find the letter online, via my CapitalOne account. This letter includes the following:

 A – 12/26/2022 – Original receipt for the order
 B – 12/27/2022 – Email from merchant indicating order shipped
 C – 12/28/2022 = Email from merchant/USPS indicating shipping label created – please note, no additional tracking data in USPS system until 1/12/2023.
 D – 1/22/2023 – Email sent to request return process info – no response
 E – Final tracking data from USPS showing package delivered on 1/14/2023

In summary and closing, the final attachment ‘F’ is a picture of the unopened bottles. Please advise if you have any additional questions.
Thanks for your assistance.
Edwin D. King
15 March 2023

CapitalOne Document Uploaded via Link

P. O. Box 30279

Salt Lake City, UT [protected]

RE: Case Number: [protected]

To Whom it may concern:

Not sure of the original date the case was opened.

Today, I received return mail that was originally sent to CapitolOne on 2/7/2023 to support the dispute.

Attached is a copy of the return mail envelope and the contents of the envelope.

Please review – re-open the case and advise if you need any additional information.

Note: The items purchased are still sitting on dining room table, unused – ready to return.

Thanks for your assistance.

Edwin D. King

28 March 2023

CapitalOne Document Uploaded via Link

P. O. Box 30279

Salt Lake City, UT [protected]

RE: Case Number: [protected]

To Whom it may concern:

Today I received the letter from CapitolOne indicating too much time has elapsed in order to pursue this claim further. I called CapitolOne and explained that on March 15, I was provided a link to send additional documentation. If a link had been provided on Feb 7th, the process would have saved 3 weeks, as I mailed the documentation, and the mail was returned (see scanned document for return mail). This agent said that there was nothing else that could be done.

I asked to speak with a Supervisor and she connected me with Ms. Kim or Nicki. Nicki sued my documentation to location the contact phone number for the merchant. Called merchant. The merchant showed record of my phone call in January 2023. However, did not provide any additional details – When I called in January, I requested information to return the product; however, merchant disconnected. I also sent an email (which copy is in the scan attachment) however, there was no response to the email. Merchant then indicated that it was past the 30 days for me to return the product. Please note, I initiated this process with the merchant within 30 days of the product being ordered.

Ms. or Nicki then advised me to resend the information for review and include this letter to explain.

In closing, I ordered from a site promoting this as a Robin Roberts, GMA sponsored product and that she was quitting her job in order to pursue this for the new year. Robin Roberts is still at GMA – this is fraud.

Note: The items purchased are still sitting on dining room table, unused – ready to return.

Thanks for your assistance.

Edwin D. King

[protected]@aol.com

Glendale, CO at approximately 625 pm 3/31/23. I proceeded to take $800 from my checking account at a capitol one ATM inside of a target. The machine proceeded to tell me to remove my money from the slot where it’s supposed to come out & it also gave a timer on the screen that was counting down and kept telling me to remove my money. The slot never opened. The timer ran out, and the ATM kept my money. I immediately called capital one customer service. The agent told me that they would open up a claim and that it would take 10 days for the investigation to complete. I normally would not have an issue with the timeframe if I knew that I was going to get the $800 back and if that money wasn’t for rent that is due on April 5th 2023. When I called and spoke to a supervisor, of course he kept apologizing and that unfortunately he couldn’t do anything because this is capital one’s policies. It’s unfortunate that because of these policies and again the ATM problem isn’t mine. Because they don’t have an actual bank and I cannot go in with the clerk and get my money in person I have to rely on ATMs and when these ATMs don’t work, the consumer is screwed. I’m not sure if this is going to help at all maybe somebody will call me. Somebody will fix my problem or maybe even credit me $800 like other normal banks do but doubtful

Thank you for the terrible responses and terrible customer service you have provided. at the dispute department.

I have closed my account with capital one and have turned this matter over to the BBB for their investigations.

Thanks for nothing! Thank you for all your empty platitudes! You people must take platitudes 101 in your training. You're full of them!

I will be writing reviews about your custom service on the internet so people can see for themselves how you do business. PLATITUDES!

Craig Prevost

Today 03/29/2023,the capital one app started asking for a mobile code every time I opened it. This was odd but I entered the code each time and was able to access my account. Then I tried to open it and I'm greeted with a message saying that my account has been locked 24 hours due to too many code requests. I completely understand locking someone out if multiple codes are sent but if every single code is used and the app has gone into some mode where it requires it for every single access, this is not acceptable.

To add insult to injury, the app tells you to call for help with the issue. When you call, you are told there is nothing that can be done. No one can help. Once your account is locked, not a single employee anywhere in the organization can unlock it. No one can tell me why the app is asking for a code over and over so this could happen again tomorrow. The solution offered? - Call if I have too many questions about my account when its asking for the code each time.