Capital One
reviews and complaints

I made a payment to my sons school for books and fees. I had my Capital One Platinum card on file along with my regular debit card (mastercard) I wasn't paying attention because I've done this many times before and my debit card has always been primary. I finished transaction and was asked for my CCV code, I entered the 3 digits from my Mastercard and hit submit. I then realized the mistake and called customer service immediately to try and fix the issue. The first gentleman I spoke to wasn't very helpful or willing to try and fix the situation. I asked to speak to his supervisor (huge mistake) I was informed by D.Jan from Las Vegas, Nevada. ID# RML468. That the charge was already approved through Capital One. Employee # RML468 informed me that even if incorrect information is entered for the card and the information is for 2 different types of cards (one Visa, the other Mastercard) Capital One WILL approve transaction. I now feel very unsafe using Capital One to pay for anything. If you will approve a transaction with the wrong information entered how do I know my identity is safe with you? Do I just believe what your employees say about card holders safety? Employee # RML468 advised me to just call back and use my debit card (mastercard) to make another duplicate payment so that the funds would be available on my Capital One credit card. I dont understand why I have to now make a double payment to fix a mistake that your company approved. I wasnt allowed to cancel the transaction, and because I had technically "approved " the transaction by hitting the pay now button I was now responsible for any fees if the school didnt accept the payment. I was told I was not allowed to speak with his supervisor, he told me he didnt have a supervisor, that there was nobody above him. So, does that mean he is the CEO of Capital One? He is the highest in power according to him.
I now am contemplating canceling this card completely and ending all business ties with your company. I do not feel that my identity is safe with Capital One, I now will have to be constantly monitoring any and all transactions with my credit card, I will have to do constant credit checks to make sure my card is safe. I do not believe anything that is said about my safety with your company, I'm told I will never be held responsible for any fees if my card is used on unauthorized purchases. I really believe that this needs to be investigated more, that Employee # RML468 needs to be interviewed and my recorded phone conversation with him listened to. This is why I record phone calls when I'm dealing with disputes, but I was forced to stop recording my conversation with him, and out of my better judgement and trust for your company I did. He was still able to record the entire thing though. Why is that? Why can your company have extra protection, but your customers cannot. I never read or heard on any of your policies or rules that I'm not allowed to record disputes with my credit card. Please feel free to send me a link on where I can read that rule. It's not on your recording when you call customer service. The only thing I heard was that "This call is recorded for quality and training purposes " on your end.
This is a serious matter and I hope this will be taken care of. I will file a complaint with the Better Business Bureau if this isn't looked into, and if I'm held responsible for any fees through my sons school or through your company.
Thank you for your time,
Shannon Casaday
[protected]@yahoo.com
[protected]

I got a Quick Silver card to get rewards for the purchases I was making at work. I spent $ and paid it back with swift efficiency. They locked my card so I called in and got the lock lifted after 1 week of use. After a second week of use they locked my card again (even though I had paid the balance well in advance of due date) and this time they had to have my photo ID to remove the lock. When they sent me the link to send in my photo ID it didn't work. So they emailed me this link. This also didn't work. After my 3rd phone call with them I was fed up and no longer wanted my card. So I cancelled it. And moments (literally within 30 seconds) I asked, so what can I do with my rewards? The answer: oh those are gone since you just closed the account. So 30 seconds earlier I had $227 in rewards, and now I have none.

If it was worth my time I would take this farther than a complaint.

When signing on to Capital One's website to pay our credit card bill I found that our account was "locked". I called in and were told that they could not give me any information until we proved we were us. They asked me the verification questions, which I answered correctly but then said I needed to send in a copy of my driver's license which I did. I called back in and was then told I had to send in a copy of my Social Security Card and a household bill. After all this, they finally unlocked the account but when I called in, they could only tell me that there was a "suspicious call" on our account. The manager in Fraud Account Management, Brittany emp #QTI400, could not give me any information. Additionally, she would not allow me to close the account and open anther account. In all, this took over two (2) weeks to resolve. We have other credit cards and will be closing this account but Capital One's behavior is absurd and abhorrent.

This incident happen 9/17/2018 around a little after 9.00am eastern standard time at the Good Hope Market Place Branch 2831 Alabama Ave SE, Washington, DC, An employee who is a manager there, am sorry I did not get her name but she is an older African American woman who is a manager there about in her fifties she did not want to help me at all, I told her I lost my wallet she asked me for ID, I gave her an ID but it was expired, I told her my wallet is lost but I did give her something, she did not want to help me at all so I call Capital One replace Card and they said they will be sending me a new one in about 3 to 5 business day, the woman that I talked with on the phone told me that the Bank employee just could have asked for my PIN and that would have resolved all problems, I believe this manager was treating me with disrespect and she should be disciplined, she was just arrogant and self centered and did not care about my problems even after I told her I lost my wallet, I was only trying to protect my Acct from somebody not using it

On Mon. Sept. 10 2018 I rec'd an email from Capitol One saying my address change had been successful. I did not change my address so I called and was told someone out of Woodville, TX had called saying they were me and requested a new card be sent. It was on it's way. The Fraud Dept told me they were going to investigate this and assured me the card sent could not be activated. I then rec'd an email from Fed Ex on Sept. 10th saying my new card was being sent.

Today is Friday Sept. 14th and my new card still had not been delivered so I again called Capitol One's Fraud Dept. I was initially told by the phone Rep I needed to wait a few more days. I then told her I had rec'd an email from Fed Ex stating the card had been delivered Sept 11th! Where did it go?! She told me she couldn't give me that information but, again assured me the card would be deactivated again and had been sent to the wrong address! Unreal! I asked her if it had been sent to this party in Woodville, TX who had been trying to steal my identity. She stated, "I assure you the card didn't go to Texas."

After hanging up with your Rep I contacted Fed Ex tracking who told me the new card had indeed been delivered to Woodville, TX!
First of all, how did this happen, not once, but twice with your company in a weeks time? Even after reporting it! And then to have this Rep initially blow it off saying I needed to wait a few more days for my card without checking. It was only after I persisted to find out where it went did she check and found out it went to the wrong address! And, then lie to me! I have NEVER had such a breech of security on any other credit card I've ever owned. This is highly unacceptable!

My email address is [protected]@aol.com

Paula R. Baker

Contacted customer service re:late fee of $27 for 7/07 and 7/08 is when my $27 pymt posted. Due to holiday, late fee was waived, deducting that I sent in the $16 pymt due for Aug. My new bill due 9/11 has a $37 late fee. I contacted customer service as I could not understand, Aug pymt was posted the 5th. I now have an $80 pymt due in Sept I was told amounts were added to my balance and to pay it and then in Oct it would be less. I advised him that is very questionable legally, I wasn't late, a previous late fee was waived and I changed due date to later as well I intend to pursue legalities through the Better Business Bureau if this issue doesn't meet with resolve through you. I thank you [protected]@juno.[protected]@5:30pm, 8/26/2018

Dear Sir / Madam,

I am writing to you to raise an issue about: Credit Card

The issue that I have experienced was: Called in to capital one again after several weeks and no credit card in the mail. They have my correct address and that was verified. Representative told me she can just send another and I can wait another 6 business days and call back if i dont get the third card, and they will do it again. I asked to speak to her supervisor, he gave me same answer. And told me that he was the highest person in capital one i could speak to. His name was Won, employee # ors382. I spoke to them on a recorded line at 4:30pm central standard time on 8/24/18. I am able to receive mail for advertisements and correspondance for my other capital one card, but can not receive my new card, this seems silly.

It occurred on: 24/08/2018

I want my card sent in overnight mail, and I want to know if employee Won is the highest person I can speak to at capital one, or if capital one´s employee lied to me. I also want to know if I dont receive my new card AGAIN, then do they really give me the same answer a 4th time? Last, I want my phone call recording on 8/24/18 heard by WON´s boss ( that per Won, doesnt take phone calls) and sent to me incase I need to proceed further into the issue.

I look forward to your prompt response on this matter. As recommended by Trading Standards, I would like to keep a complete record of my case, so please reply back via this email account.

Yours faithfully,

Brittany Langley

Last four digits of credit card 0816

8406 E Harry St, Apt 111
Wichita Kansas
67207

My name is Gary Stone and I opened an account and funded it with $200 through my Amex Serve account.
The deposit was made and the debit card sent to my verified address. When I tried to activate it, I could not. I called and was told that I did not have access to my money as I was not verified with IRS. I told him that I am not an American taxpayer but you can verify with Experian or Transunion etc.

I have Ally Bank, America First etc...You are stealing my money and my rights.

My statement email is [protected]@euradaprint.com

Capital One

card
[protected]/22 4704

So, I got 2 small credit cards to use and build my credit. I down loaded the app also, so I could easily manage my accounts. 3 times now, capital one has tried to take out a full balance from my checking account and said that I had personally set that up. I have NEVER set this function up. The have now cancelled both my cards due to missed/returned payments and have left me right in the [censored] with ZERO warnings at all. Never once sent a notification of issues OR intent to close. Seriously pissed off with this [censored]ing creditor. HIGHLY RECOMMEND PEOPLE TO STAY CLEAR OF THEM.

I got a $25 late fee that was my fault because I was out of town and missed the due date. Apparently this was my first one bc the usual late fee is $38, and I called to see if they would waive it and Brent, the rep that I got, told me "the system won't allow me." I asked if as a human he had the discretion to waive it and he said no and transferred me to Keisha who is a senior acct rep. She told me "the offer wasn't there and that she can't override the system." OFFER?! An offer is for a loan or a balance transfer or a low interest rate - not to have a fee waived. I let her know that I've been in the customer service industry for 21 years and that I can not believe that after being a card holder for 18 years, that I'm very disappointed that "she couldn't accommodate me." I will no longer use this card after paying off my balance and will never recommend this card to anyone. The lack of empathy and ATTEMPT to even help was so evident and pathetic. This crap of having the computer or "system" determine things in life is B.S. and people need to step up to the plate and make a decision. I sure have in my 21 years in the business.

I have two credit accounts with you, my payments are due so I went in you Westhiemer Branch in Katy Texas today to open a checking account so that I had better access to paying my bills with you while traveling. I was the only person in the bank and yet I still waited over 30 minutes for the employees to help me finalize the transaction. They stood around visiting and then a lunch rush of customers came in they left me standing waiting. Not even a word of acknowledgement. Needless to say the account did not get open and none of my bills got paid. I commuted a length to this branch and then to another branch where the lady made excuses and wanted me to go back to the same branch just to speak to a manager. I have never been so compelled to complain about such a matter, but I have spent the entire year building my credit and working with your institution to not only do that but to keep it simple and easy. I am so upset that I am ready to just open another bank account and refinance everything back to another lender. You can review the security surveillance and see how your employees behaved toward me, 8/6/2018. I have received better service in third world countries. The branch I am referring to is located at 23910 Westheimer Pkwy. Katy Texas 77494, Branch Manager is Trena Ellerbe. I have not spoken with her and chose this branch because in the past I received excellent service for a verification issue I had. Up til now I have had excellent service at both the branches I have gone to, here in Texas.

I tried to log into my 360 account August 2nd only to realize that Capital One no longer gives the option for email verification! This is a huge problem for me because I no longer live in the USA and the company does not accept non US phone numbers. This should not be a big deal because I had the same issue with Wells Fargo but when I called Customer service at Wells Fargo 1: a person (not an automated system) answers the phone and 2. they are able to verify my identity over the phone and give me access to my account. Sadly this is not the case with Capital One! My experience trying to resolve the issue Aug 4th --took 2 hours of holding/waiting on the phone:
1. The automated system does not work. The phone system did not recognize my debit card/pin number and I kept going around in circles trying to get a representative on the line since the automated system was not working for me.
2. Finally got a representative who was rude and unprofessional and didn't even pretend to offer a solution.
3. Tried to call back again to speak with someone else. Finally was able to speak to someone in the technical support dept., which took over 1 hour of automated system run around and a long wait time for technical support. At least this person was helpful in offering a temporary solution and confirmed that the company has removed the email verification option and also confirmed that I was entering the correct pin but the system is not working.
4. I am not in the US and as a result of the incompetence, inefficiency and general bad customer support I have incurred over 200 euros of telephone charges (in one evening) and I am now blocked by my cell phone provider from making additional phone calls until the next billing cycle and I am travelling!

Since 2015 I haven't been late with payments. I was told by sr. Account supervisor dave (id #nsj797) in the chesepeake, va call center there was nothing that could been done to lower that rate and there was no superior to talk to over him.

I find this to be unacceptable and wonder what's the point of paying on time if you're
Gonna be treated like you don't. I'm confident capital 1 can do better so their clients don't feel like they're being robbed which is how i'm currently feeling. I'm requesting a lower interest rate reflective of my consistency with payments and all the interest they've made off me over the years.

I feel like I need to seek lawyer advise because you guys solved a case for me and now there are people calling me about it will a totally different case number. If you guys are trying to incriminate me or discriminate me that is wrong. I had two people call me today and for a problem I have had since May and thought to be resolved after Jun 26 2018. But he solved it in two mins and claims that he solved a case that was already solved but now has a different number. ARE YOU TRYING TO TRICK ME OR WHAT? IF I COULD CLOSE MY ACCOUNTS I WOULD. I want to know why I have different case numbers for the same one that was in my mind solved. I want proof of what your employee is talking about. SEEM LIKE A SCAM LIKE WELLS FARGO BS. One employee says he saw all of my documents and sees everything, and understands why and the second employee after calling back says he does not see any of my documents or files and that it was a charge too a room of some sort with no prove. What is going on I want someone like a supervisor to call me asap.

I have accounts with Capital One Bank for several years and have had mobile banking app downloaded on to Tracfone and received working app updates successfully until the most recent app which I canno download because it says "version not compatible with phone". I am disabled and live in Morgantown, West Virginia with NO branches! The mobile banking app needs to be fixed IMMEDIATELY! If not, I will take my banking business elsewhere!

I spoke with one of representatives over the phone, he was very rood. His tone was like I own him a million. They have to learn from chase bank. I have chase business account, I opened new checking account with capital one because only for their app. Capital one spending a lot of money for advertising to get more customers but this kind of representatives like marcus how they are talking with customers - bank loosing customers and getting very bad reviews and reputation going down. He didn't tell me his last name when I asked him, he said marcus and he said you can talk to my supervisor if you want or to any one - I don't care. Look at how bank talking to the customers, special with new customer. Now i'll tell to all my friends to do not open an account with capital one. Also he transferred call to his supervisor, her name was ashley. I told her to make note and this kind of employee shouldn't work in any banks. Need fire him! So shame on the bank and owners spending money (billions) for nothing for advertising because this kind of representatives. Thanks

Bank at Lufkin Texas branch. Made deposit today observing a long line with Drive-thru so opiated to go inside. Found out there was one teller working both outside and inside on Friday with other ladies taking or offering info nobody could care less. Also noticed several ladies conversing in offices. This is not the first time with problems but it will be the last. To run a business that way you might as well lock the door. And why in the world do I need to show ID to deposit money?

My payments are due on the 14th of the month. I send my checks out on the 3rd of the month. My checking account was hacked in December. My bank called told them to run their check again it would be honored: they never did. 12/8 returned pyt $30. 12/14 $25 past due fee. 1/10 pyt. 1/15 $35 past due fee. Told to pay $84.82 no explanation why I said send in $38.27. $35 fees charged. 2/15 paid. (seriously wait one day past due date to post payment). 2/14 $35 past due fee. Told to pay $87.82 no explanation why. Fees Charged $35 Again $78.95 no explanation why. In April I called and asked to speak to someone to get this account straighten out. The woman referred me to someone else. She wanted me to go on some kind of program I told her No I just want to straighten out my account tell me what I owe and I'll send a PAID IN FULL check on May 3rd. She told me she would waive the fees and I owed $203.73. On May 4th payment of $203.73 was posted. Got a notice in June saying I still owe them $159.29. Filed a complaint with Consumer Financial Protection Bureau in May. On 6-20 Clinton called left a message I called back he wasn't available and never received another call. Next they send me a copy of all my statements showing what I already knew. Strangely though no one shows a record of me talking to the woman in April about paying off the account. (Gee maybe because the woman never entered the data in the first place or deleted it to protect her job). Yet stated I did agree to some program which I told the woman I was NOT interested in I just wanted to pay this account off and be done with it. Now they are saying I owe then over $187.00 for July.

I have been a customer for over a decade (joined through ING direct). I decided to open my son a MONEY account to teach him about money at a very early age. It was perfect. Now that he is 16, he has had the account for several years now. On June 20, 2018, his account has been restricted. I woke up and checked his account and noticed 2 deposits for over $900. I called Capital One fraud immediately. It appears that the deposits were mobile deposits, but the checks came from what appears to be a fake company out of Loveland, CO. The signature on the checks were signed with someone's penmanship.

What bothers me is that I had to look up all this information on my own. Capital One's investigation went as far as someone stating that my son MUST have giving someone his phone and/or sign in info. "it's not possible for this to be hacked". Today is July 13th and the company's only decision was to end their relationship with my son's account. I followed up several times and got the same response.

The response is unacceptable! I would like to know the following:

*Did anyone look up the IP address on the phone that was used to deposit the checks?
*Why are the checks showing in his account as cashed?
*Who at MAYATEK made the deposit?
*Was this compared to his history of deposits? Does it seem odd?
*Should I move all four of my accounts due to this incident?
*Is this something I should present to Michael Johnson (CISO Capital One Financial, Washington DC?

Desired resolution: We've had his account open for several years now, I'd like for the bank to stop payment on the checks, close that particular account and open another. It's especially critical now that he can work full time. For sake, HE WAS HACKED! Why is he being punished?

I'm really trying to avoid going to social media, so please help.

I had applied for a loan to consultative my credit card bills. So I provided the company advance America with all my personal information. I was faxed a letter on a letterhead (copy can be faxed) explaining interest rate.
I have 10 pages of text regarding paying my credit cards off. They started pay my credit cards and I called and said why are you paying these bills and I did not sign anything, I was told this is how they do business. The weekend of 6/9/18, I got a call from Target saying if I had just called, I said no, because I am at my mother's anniversary of her death so, I asked if I can call back. The I got a call from Merrick Bank if I had purchased a airline ticket I said no, so they transferred me to the fraud department.
I started looking for the stuff they had texted me and called the Advance America company. To my surprised the young lady I spoked to told me they are not licensed to do business in New Jersey. She further stated for me to call my bank and close my account and to call the FTC and file a complaint, which I did both the same day. Then I started calling my credit cards company to advise them of my problem. Then I found out they paid and then pull the payment out. Some they purchased a card, I was scammed and I can't believe I was stupid to believe them. Recently I received a text from Apple that I purchased a MacBook for 1900.00 ( I have a copy of text). I have called the three credit companies and I will be flagged if anyone checked my credit.
I have been flagged once.
I am on disability and I would not have 2300.00 to pay capital one, so after calling and explaining what had happened and the account was closed and a new one sent to me, I found out From a customer service representative that the account is closed because of what I did with the payment. I don't have that amount of money to pay any bill, but I did pay amount that's due every month.
I spoke to my niece who's an attorney and she told I should not be penalize for something someone did, and she advise to file a complaint with the B.B. and another with FTC, which I will be doing today also.