Capital One
reviews and complaints

Hello,

My name is Izorela Turbuk and my Capital One expired last year in August.
Due to the Covid 19 pandemic I got stranded in Romania for the past year . I've contacted Capital One Canada customer service multiple times asking them to have the card send to me in Romania and I would pay for shipping. I was asking them to make this exception considering the difficult times we are all going trough. Every time the answer was NO. Last time when I spoke with customer service I've been told that a supervisor is going to contact me. This never happened.
I was hopping that Capital One will help their customers in need.

Three times I requested an authorized user Walmart credit card and three time you knuckleheads couldn't deliver. My mailbox doesn't allow for another person to receive mail who is not on the contract, it's illegal. Three times I asked 2 supervisors and 2 CS reps to make SURE the new card was addressed to me and three times, including a FedEx priority delivery you sent, is was addressed to Michele Cucinotta. How incompetent and stupid can your people be? The mailbox owner returned the envelope as not at this address. Why are you so incompetent? What's it going to take?

Hello : I was charged a fee! for a bill that is paid on bill-pay for ($158.72) on web & mail. bill statements (if needed) will send but you have my information. Card ending (3528) April 26-to-May 26-(due June 20) check my account & close that bill. Have (memos & and confirmations ) OK bill was paid i need my account cleared . i am up to date with all. I don't want to double pay a bill. My email =[protected]@aol.com

Every customer service rep was rude and unprofessional.
I was left on hold while I could hear them laughing and joking around, not tending to my issue.
After making several requests I never received my card or letter in the mail.
Never even had a chance to use my card.
My money has been held for 4 months, and I am told I have to wait another 2 before they will even mail it back.
Which I do not trust as I have yet to receive a single thing in the mail.

By far the worst company I have dealt with to date.
I will never use any of your services again.

On March 16 I signed a contract with Priority Home Relocation to move on April 16, 2021. I was told I could cancel up to 72 hr prior. I called on March 17th and canceled and was told I would get a refund in 5-7 business days. After not getting a refund I contacted the company 2 times and got a different story each time. I contacted Capital One credit card on March 31st and explained. I was refunded the amount on April 1st. On April 7th I was charged for the amount. I contacted customer service and sent information. I was refunded on April 27 and then was charged the amount back again on April 29.

Priority Home Relocation had sent Capital One a letter falsifying information saying I made the reservation for March 16th at the last minute and therefore did not qualify for a refund. They continued with a false information on what had occurred and said they had it recorded.

After talking to many representatives and sending information to Capital one I finally talked to a manager. Together we called the company and they said they could not speak to us because it the case was being investigated. I was basically told that Capital One would not refund me because I didn't have in writing saying I would get a refund and that this was Visa and Master Card policy not theirs. Why was I then refunded 2x prior? It was clear that Priority Home is a scam. My understanding has been credit card companies are on the side of their clients.

Capital One clearly does not stand behind their customers.

Senior lead Lola (IEE136) was extremely rude and condescending over the phone with me. After being a loyal customer for 10 years now I can't believe Capital One is okay with this. I had $74 balance left to pay off and she refused to waive a $25 late fee. She told me she could not justify it. She would not let me speak to her supervisor or anyone else. She was not concerned or empathetic at all toward my situation. This is unacceptable and has really turned me off to any Capital One products in the future.

Aaron Michalski
7516 E. 52nd St
Tulsa, Ok 74145
[protected]

I have been a Capitol One Mobile app user for about 10 years. Recently your app advised that users must have a IOS 13 update in order to use the app.

My wife and I, users of your app, both have Iphone 6 devices. Apple has advised that this older version of Iphone can not down load IOS 13.

So we now have a decision to make:

Buy a new Iphone to replace our devices which currently work extremely well for all of our needs except your app.

Find a new bank credit card with a mobile app that continues to function with Iphone 6.

missing payment will no assist

My PPP loan funded on June 8th on June 1st I called Capital One bank and told them I was expecting the PPP deposit from ready Capital my lender and ask them if there would be any issue if it was deposited into my personal checking account I was told by a supervisor it would not be an issue to go ahead to deposit so the deposit gets done two days later on June 10 my account is frozen because of the PPP loan they said it went to their fraud department so I called the fraud department they wanted copies of my 2019 tax return and my the name of my company and bank statements which I'd already given to SBA and ready capital but my loan was based off my 20/20 tax return not my 2019 so I advised them of that and sent them my 2020 tax return and my SBA loan approval contract that I signed and answered their question I told him it was a sole proprietorship and I followed all the guidelines and got my loan I took me 3 months to get get the loan and they said okay well thank you answered all of our questions left me with the impression that the funds were going to be put back into my account that was 4 days ago and we have no funds accounts are still locked and then they went away for the weekend it was closed down left my friends still locked and I have no recourse I don't know what else I can do they have all the all the power if they mention the word fraud legally they can take the funds I've called I've sent them every document requested and still nothing this is the worst bank I've ever dealt with in my life I've written letters to the president I have done everything that they've asked I've called the SBA I called Ready Capital to see if they were the ones who ordered the investigation and neither one of them ordered anything this is all done on Capital One own mission which they have done to thousands of others of other people I found out after the fact going online and reading what they have done to so many small businesses sole proprietorships they feel if they think it's fraud then that's it game over they can't get away with this this is unbelievable everything I did was above board legit and I'm not backing down I know I'm right they can't do anything I follow the guidelines if they don't like the way the PPE loans were set up with too damn bad it wasn't their decision to make

After dealing with cvid situation and other financial hardships, as a customer for over 12 years, asked for a lower interest rate on our 2 cards. Was told they could do nothing for us...each card 21 & 22%. Our credit rates are in the upper 700's, have ALWAYS paid on time. This is highway robbery! We have finally wised up to not use them anymore once we finally do get them paid off. Thanks for nothing...no help during unemployment and difficulties. Not even a temporary lower rate for 9 months or so to help stabilize...nothing. WOW #angryloyalcustomers

On April 1st 2021 I booked a flight through the Capital One Ventura Visa rewards program. They entered my name wrong. Today I have spent 4.5 hours on hold with [protected] so far trying to:
1. Get the booking under the proper names
2. Reserve specific seats
3. Pay for 1 checked bag.
After 1.5 hours I was able to get hold of someone, who told me "oh - you need to talk to a different branch. I have since spent another 3 hours on hold.
Is this REALLY the kind of customer service I can expect with Capitol One?
PLEASE call me back or answer my call! I am on my mobile phone at [protected], and have currently been on hold for 4 hours and 32 minutes...
John Pinkerton

Hands down, THE WORST experience. I make a ton of money, but never used credit because I was raised to pay cash. So I don't have BAD credit, I just have NO credit. I was advised to open a secured credit card via Credit Karma and opened a Capital One account with $250 secured. I added my netflix, dropbox, spotify, etc. and paid the dang thing off. Next thing I know, my credit score DROPPED 35 points! Yes, dropped! I finally after years of working on it got to the "good" score, and these bozos effed it up in one month. RUN away from this awful company. I was in tears, most horrific experience. Ugh, I feel sick writing this. I'm a senior content manager at Microsoft and make $200K a year. Ridiculous and humiliating experience.

Never received any Bill in the Mail.
May1/21 Costco Annual Fee applied to my Card without my knowledge.
June 10/21 Attempted to get Gas at Costco. Card DECLINED. ?
Called Capital One June 10/21 ...& told my card was declined because I had an outstanding balance of $67.90 + interest of $1.35
Was NEVER Told that by agent that the outstanding balance was for the Costco Yearly Membership... but ONLY that I had an outstanding Balance.
I always pay the Costco Capital One Bill the same day I use the card, which is why an outstanding balance did not make sense to me.
Also told that my Card was declined, because THEIR system automatically declines a card if a payment was Not made, even on a $0 Balance account.

I tried to book flights using my points on a upcoming trip. when my travel dates changed unexpectedly, I tried going back into the system to change my return trip date. The system wouldn't allow me to change my trip date. I attempted to contact capital one directly through their customer service. After waiting on hold for an hour and forty five minutes, I gave up and went to run some errands thinking that the system was just over loaded. I ended up canceling the entire trip, and would start over, rebooking the whole trip later in the day. still couldn't book the trip I wanted, and couldn't retrieve my credits. So again, I called capital one, and after waiting on hold for 45 minutes, I finally got to speak to a booking agent. I was then informed that I had to talk to a travel specialist. she then transferred me to a so called travel specialist, where I waited on hold for another hour and 45 minutes. Seeing no end in sight, I finally gave up, and had to book my trip with another capitol one link, but had to pay for the trip instead of being able to use my credits. If capital one were to invest as much money in their customer service, as they do in their commercials, then maybe you might a company worth doing business with. I have never, ever, had to deal with a company, who's customer service, is as bad as yours, except maybe AT&T, BUT AT LEAST THEY ANSWERED THEIR PHONE. Will never recommend your company to anyone, period.

Paul Arceneaux Jr

Claim # 210529CL00138

I filed a claim for unauthorized transactions on my account and it was denied. The total amount stolen was 4, 767.00$. It was my child's mother who does not live with me
And I would never give her my card. She stole it. She first went to a different bank ATM (not a capital one) and tried to withdraw 2, 000$ but she put in the wrong PIN number because she didn't know it. Then she went to a capital one atm and got denied a few more times before she figured out my pin. She withdrew the max amount which was 800$ then immediately withdrew another 800$ then immediately withdrew another 400$ which was the max amount she could withdraw from a atm. Then she went to a bestbuy and spend $2123.00. Then went to a Walmart and spent around 500$. She made a couple more purchases after that totaling $4767.00. When they denied my claim I asked them to send me video footage from the capital one ATM and they would not. This is insane. She stole almost 5, 000$ from me and this is complete fraud and capital one has no way on earth to make
A claim saying that this was legitimate however they are saying the transactions are legitimate and not fraud. Thanks a lot if you can help get this resolved. I will contact a lawyer if you cannot help me resolve this. Thanks in advance.

Paul Arceneaux Jr
[protected]
[protected]@yahoo.com

After receiving my card I did not get a bill in the mail for 5 months. That was when I discovered unauthorized charges. I went through over a month of calls back and forth with fraud. 1 person would tell me it was taken care of the last person I talked to said I waited too long to report the charges. The others said it would be fixed. I only used the card for one site. Now I get a call from fraud saying that I owed the entire amount over 800$ Never will I deal with this company again.

I do not receive the text message and the NFC is a joke. Why can't the app just call with the verification code, like the website does? Just...plain... annoyingly...STUPID!

Thank you.

I bought mobile telephone which capital one shopping approve it from wish.com which was total price was with shipping and taxes $137.00 but they (wish.com) send the receipt total over $180 dollars. I right away sent reply to cancel that order. It is froud. I talk to my credit card company they told me that it is still processing. wish.com did not cancel my order. What is this? . IS capital one shopping part of scam with wish.com?

In April I paid $75.00 on my account on time. I was short $4.oo because I had not yet received my bill and did not want to be late. If you check your records you will find I have never missed a payment nor have I been late.

I received a phone call stating I owed $138.00. I was dismayed because I had not missed a payment. Told I had a late charge. This was untrue. I spoke with a man at a later date and explained what had happened and he indicated he would take care of it. I was unable to stay on the line and requested he call me back or e-mail me to let me know It was taken care of. No response.

I had various calls from Capitol One at inconvenient times as I am retired a sleep late so I hung up.. One time I requested a call from a supervisor and got no response again.

My April payment was $100.00 to compensate for the $4.00 I was sghort previously.

I am writing to say that I refuse to pay the first late fee as I was not late only short by $4.00.

Then my current bill arrived stating I owe $170.00. I am now irate and call again requesting a supervisor. This lady was quite nice but said she could not help me because my birthdate was incorrect and sent me to fraud and security. I was hung up on prior to speaking to anyone.

Then I called back and spoke with another representative and he tells me my birthdate is fine and indicated it may have been updated. Seems to me both these people were
putting me off. He did delete the last late charge of $39.00 but said I still had to pay the $170.00. He also indicated he was unable to take care of the first charge and was unable to put me in contact with someone who could take care of this.
Suggested I file a complaint which I am doing.

Of course, I am refusing to pay this amount because it is not justified. Part of that refusal is the first late charge of $39.00. I will pay $92.00 which is the amount I should be paying this month.

I am hoping this can be taken care of so things get back on the correct track. If not, I have other resources I will contact regarding your company.

My name is Patricia Cooley, date of birth is 5/19/41, Credit card number ends in 2776.. I would appreciate a phone call in regard to this. [protected]