Capital One
reviews and complaints

When you look of your payoff balance and pay it on that day, like I did on 2/14, it was accepted by them on 2/16, but they charged my card Interest on purchases on 2/17...what is that?...Highway Robbery!

The Submit said I didn't have enough words and it might not get looked at, what is that as well, if someone have something to complain about, it should not matter how short or long the complaint is...Care about what everyone has to say, else you will never get better!

I had my account activated for all of one day before it was restricted. I'd opened this account specifically for a car purchase, and had checked online that morning to make sure I could spend what I wanted to. I was so excited because I love to travel, and have heard that this is the best travel card!

However, I didn't realize that spending money on my card and withdrawing money from an ATM had two different limits, so my account was restricted because I unknowingly let my bank try to draw more than my limit. I understand why my account was flagged because of that. However, I wasn't notified in any way, and I'm having to jump through insane hoops to get my account unrestricted.

In fact, I immediately called in to ask for help, and was told by customer service that they had no idea why my account was restricted. I told them that I was trying to make a time-sensitive purchase, and they assured me that I would receive a call within 24 hours. This meant that I had to either finance my car another way or not buy it and hope it was still there later.

45 hours later (NOT the 24 I was promised), Jordyn with Capital One called me back and coolly told me that not only was my account restricted, but that I have to send in my driver's license info, SS card photocopy, proof of residence, and other documentation. What's the point of customer service if they can't give you any information when you call for help? And what's the point of security questions if I have to send in all this information to verify my identity every time my account is flagged?

I had received a non payment email from Capital One, I checked my bank account where the payment came out, sure enough payment was made to the wrong CC. I immediately called C.O., I explained the situation, they said it will take up to 5 days to update my CC account. A week and a half later nothing. I called today [protected]), I again called today, and she asked me to contact my bank and get a payout statement, I gave the bank agent all my info and complaint, she will fax the info to a Mathew at C.O.. My complaint is that they did nothing to remedy this situation, thereby Locking my CC, screwing with my credit, they should hire better staff. If get this kind of crappy service again, I'll just pay off the CC, and tear it up.

My credit card was restricted based on suspicious activity.

(every time I try to use my card, Capital One automatically calls

it suspicious and causes me a great deal of head ache just to use the card.

Last time they declined a $10 purchase off the internet, Capital One once again declined the purchase as being suspicious. Then they said I had several suspicious activities on my card.

When I asked for proof of these activities, Capital One refused to provide

any explanation or backup. Then Capital One requested that I send them my drivers license... I ask for backup showing they had the right to ask for my drivers license they refused to provide any backup.

Capital One has restricted my credit card account to current balance and no further purchases are allowed.

I explained to Capital One I would provide my drivers license if they provided the backup that allows for this kind of request... but they still refuse. I asked them to ask me anything about me or my card activities to prove my identity... Capital One refuses to ask any other questions.

In addition, since, I do not know if the request for my drivers license is legitimate, I refuse to send them this information

1/10/2023
RE: Acct #: [protected]
Samuel K. Seto, MD, PLLC, DOB: 12/17/1959
Eye Clinic of Edmonds
21911 76th Ave. W Suite 101, Edmonds, WA 98026
[protected]

My long time Spark Business credit card was inappropriately closed by your fraud/verification team on 1/9/2023. Along with that decision, my hard earned 868,404 miles were unjustly taken away from me.
A fraud alert was triggered when I tried to transfer 100,000 miles to my EVA airline account around Xmas time, 2022. When notified, I followed your fraud team link to submit my requested state ID three times (12/xx/2022, 1/2/2023 and 1/7/2023). Each submission was a clear scan or photo of the ID, as instructed.

After several calls to inquire of the progress, I was informed that your company labeled my ID submission as “altered” and had already closed my account permanently even while suggesting I submit this a third time.
It wasn’t until after several phone calls between 1/9/2023 and 1/10/2023, I finally got to know some details of why my account was closed. I am SHOCKED and BEYOND BELIEF of how this whole process was handled. It was clearly a mistake of verifying my state driver's license, which has never been altered. I offered to submit alternative ID (passport, etc.) or submit to a local office in person, but was denied.

In the end, I lost not only my credit card which is associated with many vendors that I have to disconnect/switch over with but also all my hard-earned miles, which I looked forward to using for travel after three years of the pandemic.
How can Capital One allow this to happen to their long time, loyal client with excellent credit?
We also have several Capital One money market and 360 checking accounts between myself, my wife and family members. Our oldest credit card (20 plus years) is your Capital One Venture card.

Attached is a copy of my driver's license and passport. This is clearly a mistake and can/should be fixed if you review my case. I am requesting restoration of all of the points and miles wrongfully confiscated from me, or to allow these points to be transferred to my wife’s account.
I appreciate your attention in advance and hope to get this situation resolved soon!
Sincerely,

Samuel K. Seto, MD, PLLC

I have received several email, that I still have saved in regards to an Ashley Osbourne you have working for you. She contacted me about an interview with me. The first I scheduled for last Friday she accepted and and then 13 minutes before my interview she canceled. She sent me another request for an interview on a date that I couldn't attend, not even asking me if I was available. I sent her an email telling her that I couldn't attend due to a meet and greet with my new Dr's and she then told me to pick another time and did. I did so. Then an hour before that interview she canceled again stating she had been forced to have a team meeting that was put on her schedule. She again took it upon herself to set another time for the exact same date that I couldn't attend in the first place due to appts. I went into her calendar and picked another time and date and she sent me a different time and date. I emailed her telling her I started my seasonal job with FTD and couldn't attend because I was already employed with them, not knowing for sure if I was going to be given an opportunity to be hired by Capital One. I again picked another date and time. The next morning she again updated and changed the date and time to this Friday. I then sent her an email thanking her for the opportunity but I was going to have to decline due to my job with FTD.

I did inform her, with an email, that I was notifying her supervisors about her unprofessionalism. And how I really needed the possible employment with Capital One not only cause they have done so much to help me during this difficult financial time I too am going through. I wanted to be able to possibly get into Capital One so I could be happy with company I respect and would be happy to work for. But to also pay my debt that I owe to Capital One. If you need copies of our back and forth emails Let me know..

Sincerely,

Susan Smith

Capital One Card Holders

I made a minimum payment of $41 on Jan. 3, and was assessed a late fee even though I paid the minimum before the due date on Jan. 12. I also made an additional payment on Jan. 17. I was assessed a $40 late fee. In December, I paid the minimum payment before the due date, and I paid again on Dec. 20. I was assessed a late fee for December. I canceled my November payment on the 12th, but I paid the minimum payment on Nov. 22. My account was not past due in Dec, and the minimum payment at the time was $41. The same was true in Jan. My account still does not say that it is past due, and it did not say it was past due in Jan or Dec. I called and asked them to reverse the two $40 late fees they assessed, and they refused.

Hi,

My wife and I have been seeking a premium card for travel. I chose the Capital One Venture X in part because I have had a Venture card and seemed to get good service when I have had issues. Today that totally changed regarding good service.

I booked a trip through Cap One Travel website with my new Capital One Venture X card. Unfortunately Cap One Travel does not offer the capability to purchase packages. So, I booked my flight and then my hotel. At the same time I looked up the exact same flight and hotel itinerary on Expedia. As a package it was $758.80 less on Expedia. So I called Cap One Travel to get my price match guarantee. Cap One Travel states that you cannot compare the two and you must look at Expedia flight cost and hotel costs separately to get the price match. I stated that no where does it state in the terms and conditions of the customer agreement to receive credit one must do that…only that it be the same exact itinerary, which it was! These are the terms as stated in the customer agreement.

Price Match Guarantee

Flight, hotel, and rental car purchases made through Capital One Travel are eligible for price matches if you find a cheaper itinerary elsewhere and let us know within 24 hours of booking through Capital One Travel.

Qualification criteria. To qualify for Capital One Travel’s price match guarantee, the cheaper itinerary found must be:

An exact match to the original itinerary that was made within the last 24 hours (including the cancellation policy, i.e. refundable or non-refundable);

To me this seems like deception. Your customer agreement is very ambiguous in regards to this matter. I am not going to proceed with any legal remedies but I do feel one would have a case against Capital One if they did want to do so! Now it appears I am out over $630.83 because there was only a $127.97 difference in hotel room costs once I compared hotel and flights costs separately on Expedia (assuming someone at Cap One Travel actually processed the credit).

Since a person only receives only 2 points per dollar rather than 10 points per dollar if they purchase a package on any other site than Cap One Travel, the value of this card is really reduced to nothing as there are many cards without annual fee that offer 2 points per dollar spent! Right now I feel like I wasted $395.00 in annual fee for the card and am contemplating cancelling both my Capital One accounts. To say that I am upset is an understatement!

Anyway, thanks for listening and I hope you can assist with some kind of reimbursement in this matter. If you need documentation to process this, please email me and I will be happy to provide screen shots of Expedia costs and confirmation numbers.

Sincerely

Myron D Walkes

There was a payment of $10,000 made to my account around July of 2022. I did not make this payment. The payment was made from a bank name Zions, which I don't know anything about. The payment was immidiately removed from my account after it was made. I contacted the fraud department and they suggested I put a hold on my account while they investigated. 2 months went by and no one got to me so I called and they told still investigating. 6 months later they still have not contacted me. I contacted the bank and they said there is a restriction on my card. To remove it, I would have to provide a bank statement from the bank the payment was made from. I was talking to an account manager so I tried to explain the situation to which he kept repeating that i need to provide a bank statement. I told him this does not make sense. My account is restricted and I have no control over bringing a bank statement from a bank I don't bank with and how did the fraud department came to the conclusion that there was no mistake or fraudulent activity had happened to my account? to which he kept saying this is our policy and you have to bring a bank statement.

I payed the due amount of 288.20$ only 100$ apparently applied to it and 100$ was supposedly returned but had never been put back into my account. Only 100$ was applied to my capital card. I am seeking the 100$ that was returned because in my bank account the whole 288.20$ was deducted and I had sufficient funds to pay for it as you can see in my attached files.

We were impacted due to covid since 2020. I have been on top of my bills and contacting each cc company. Unfortunately, Capital One has not helped me. I was given a 3 month hardship program to help but the U.S. was impacted for more than 3 months. Capital One has not budged since. I have tried to be on top of my bills but it has been hard. I had to quit my job to take care of my child who can no longer attend school. I also have an autoimmune disease which has affected my life greatly. I have been in and out of the hospital. Capital One not once helped me or tried to work with me. I tried to transfer this card to a debt consolidation company. Capital Once chose not to accept these terms because I used a 3 month hardship program with them in the past. This company is awful and they do not care about anyone's well being. I will NEVER use Capital One again for anything. How can you treat people like this, especially during hard times like these? My other credit card companies worked with me. Capital One is not for the average Joe.

I have called in I have called in numerous complaints going back to January 4th and earlier in regards to my my payments being held after accounts have been verified

Capital One was made aware that I am in over the road truck driver and this was the only card in my possession. I was in the middle of one of the worst winter storms where there were numerous deaths from people freezing and going without water or having proper equipment in the middle of one of the worst storms. I've even informed the staff that I went 4 days without eating and the treatment that I received from Capital One by freezing my payments correction putting my payments on hold two days after my accounts have been verified even after they already accepted numerous payments from both accounts. And as of this report at around 12:30 a.m. I was informed that no one would be likely to call me back to address this matter I was very clear that Capital One does not care about his customers that I could have died I've even stressed that I only carried One credit card because of my job for security I do not carry cash but Capital One does not care I could have been another dead man let's put it more clearly I could have been another dead black man and no one would have cared except my family Capital One made it very clear that they only care about money and not their customers even though my situation was a life-threatening situation

I was purchasing some furniture for my overseas house on 01/17/2023 using a popular Indian furniture website (with 2-step verification payment steps). After the fifth order, my Quicksilver account was restricted and I received an instruction via text to call a customer service number for the fraud department. I assumed this was an extra cautious step on Capital One’s part to prevent suspicious activity, given that most other credit card companies simply ask by text/ email to confirm if a seemingly suspicious transaction was really made by the card holder. I followed along, gave them a call and confirmed some details. But then I was shocked when they asked me to provide extra documents via secure link on email, and more shocked when they told me the verification would take 7-10 business days. I tried using my other Capital One card then, a Savor One account with s different number. But they restricted it immediately. I was forced to share my state ID. I was not even given a different option like confirming last few transactions etc. Both time I called the fraud department number, somebody with a very foreign accent responded and kept pushing for the documents. The experience was annoying at first since it made me feel like a criminal for using my own card. Later, I was quite concerned that this was an elaborate international scam (who on earth takes 7-10 days to verify something they already have? And tells you to wait for a call from them). Capital One, if this is your new fraud prevention process, you are being excessively proactive. I don’t appreciate being treated like a wannabe criminal for wanting to use my own card and I think I will close both my cards out if this is how you close out your customers from making legitimate purchases.

I cannot get the Zelle in the Capital One to respond to my attempts to register.

I have $1000 sent to me in limbo because of this.

After talking to 5 representatives and 3 managers who could not fix it, Capital One 'escalated' my claim to be looked at by some guy in Mumbai but I have to wait up to 30 days for this to happen.

If you want to file a complaint against them, it will take 15 days for them to get to it.

Time to shop for a new bank with better customer service.

I ordered a quick sliver cc that gave a $200 sign up bonus after I spent $500 in 90 days from the receipt of the card. I met their requirements and never got the $200. After calling 4 or 5 times and talking to brainless people in arizona I finally talked to a supervisor that told me that I didn't qualify for the $200. They couldn't tell me why I didn't qualify. They never sent me any information informing me that I didn't qualify. I only found out when I didn't receive the $200 as promised. Do not fall for capitalone's bait and switch!

Opened new Capital Venture Card because offering if you use it for $4000/30 days =$750 travel bonus. We were accepted $3000 limit. We took a disney trip and thought we use the card make payment and use it again to reach the $4000. We $1200/payment around 20 days in the 30-day window. The recording said payment accepted be posted that day by 5:00pm. 2 Days later I used the card and was declined to call and find out that they decided to put a hold on my payment. I explained I had 3 checking accounts, and I can make another payment or do what I need to get a payment in, and they said those can also be put on hold and would give NO EXPLANATION WHY! I asked when will the awards be up and it will be the before the hold on the payment! So basically, they are making sure that I don't get the awards. GIMMICK! This is poor business etiquette.

On November 29th and 30th of 2022, capital one decided to close my savings account out of no where. Normally, I would just let it go as long as I was able to receive all my money, however this was not the case and has been an ongoing issue going on almost 3 years now. My account was frozen back in May of 2020 for what they said was fraud, I however gave them proof and had even sent in verification they wanted and I guess it wasnt good enough for them. For the last two years I have been calling constantly trying to figure out when they were going to unfreeze my account. The number it gave me everytime I logged into my account is the number that i had kept calling and I was always able to connect with someone there, but then when they looked into my account, they always told me they couldnt help me and that I had to be transferred to a different department. Everytime they transferred me to this department, it always prompted you to leave a message and that someone would return my call. No one ever called me back. So here is my money sitting in my account building interest that i cant touch and I was never sent a card either by the way. No way to talk to someone online thru chat because endo the virtual chatbot said I had to get whatever was wrong with my account solved first before he was allowed to help me in any way. So phone calls werent working, chat wasnt working, the only option I had left was mail or email. So I emailed someone, and that person had told me that it wasnt his department nor was he allowed to discuss anything with me about it.

I didnt know what to do after this. And there is no branch to go to, as I was all out of options the only thing i figured to do now was to wait, keep logging in so they wouldnt close and call it abandonned and keep trying to get into touch with somebody who could help me. Well, no such luck and then I receive a check a couple days ago in the mail for $54.85 and a statement. The statement stated that $2,744 was withdrawn from account on November 29th, and on the 30th a check was written for the $54.85. The check receipt on the memo stated that it was that amount because the customer had requested the account be closed. I want my money back! This is very unfair, unjust, greedy and selfish of capital one to treat there customers like this. Its wrong and you cant do this to people. That money at that time was supposed to help me get into a home and because of you not accepting something costed me a home for my children. That money could have done the same thing for me now as I am still homeless and could have fixed my car which right now is the only thing I have for a home! Please give me my money back...

I hope you can help me. I looked at Capital One credit card and seen Comanys charged tow times on my account. I call The card company and ask for contact info. they said to call company about it, the company as no real name Reudilasting Power Rush the phonr #[protected] is a phone service not the company. they charged 199.80 2 x on my account, I do Not know this company. the other company is Laharippip Advertising SK #[protected] they charged me 138.95 2x on my card. I need help please. thank you

I was scammed in a parking lot in St. Remy, France by a guy who read my credit card with a chip reader. Capital One texted me immediately and asked if I had made 2 purchases, which totaled 5,000 euro or over $5100. I was unaware of what this guy had done and responded in text back to Cap 1, "no." Immediately I called Cap 1 and spoke with the fraud department. Cap 1 credited back to me the charges on November 16 and stopped the card and issued a new card which I received after my return to the USA.

The money went to SumUp, to the account of Jennifer Daghena.

Then they were posted again on November 18, I called to refute these new charges and they were credited back to me., but the matter was sent over to the dispute department at Cap 1.

On December 16, I received a letter from Cap 1, stating that I did owe the money because the "merchant" responded to the inquiry by saying "confirmation showing no cancellation per policy was received." and if my name was on such, it w forged. I don't know if chip readers can also read signatures...

I was to supply documentation (i.e., sales invoice or purchase agreement.)

Capital One want me to prove that I cancel the policy or that I tried to resolve the dispute with the merchant. I have o documentation and it's pretty difficult to prove something with nothing but one's word and witnesses.

There was no merchant. This was in a parking lot, where a guy scammed me by saying he would help me get a parking ticket from one of those weird machines there. According to google, this person Jennifer Daghena is a midwife in Marseilles, France. Three things of note: 1. the parking lot is in St. Remy, France. I have the parking tickets, which my assistant got from the machine afterward. 2. I am 75 and don't need a midwife, if this Jennifer Daghena is indeed a midwife. The company could be a front or a money laundering operation. 3. I am a tour operator. This was an art history tour of the artists who lived and worked in Provence. My clientele is all over 60. They are not of child-bearing age.

I did not purchase anything from this Jennifer Daghena, and had no knowledge of her before this charge was made and showed up on my phone.

It was a scam.

Capital One should recognize this as a scam. If it can not do that, it should verify Daghena's documentation of any interaction she had with me. Prove that she rendered services to me on November 14 around noontime when I was in the parking lot in St. Remy.

I have further documentation if needed, including police reports, filings with the FDIC, Consumer Protection, and my own files.

Capital One is charging interest not on unpaid balance but average daily balance you had on your credit card account. We were short with payment $37 and ended up paying interest on $272. Next bill was done in full and they still keep charging me interest. They say it will happen for 3 billing cycles and only if I keep paying in full. One time we paid short by accident, and we are going to pay for it big time. This is very unfair. We will close this card. Have been customer for many, many years but I don't like to be ripped off.