Capital One
reviews and complaints

I have been a customer with Capitol One since the early 2000's. I am struggling financially right now and asked them to lower my payments and interest for six months. Apparently, my hardship doesn't "qualify", nor does my being a customer with them for so long matter. Trying to do the right thing and continue to make payments. Called Discover, who I also have a card with and have not been a customer with them as long. Not a problem at all! They cut my payments in half and lowered my interest. Capitol One suggested I go to an outside debt consolation company instead of helping their own customer. WOW!

the company is extremely unprofessional they do not care a bout u or your service they pretend to help you then make excuses to get off the phone the people here are not nice they dont respect you they tell u they cant help u at all even though the charges or item was not delivered period extremely unprofessional they lie to u and do not care they tell you also they have never gotten the claim form for dispute in either

Locked my card while I was overseas traveling and would not unlock card because he insisted I send him my drivers license which I did not have... Your travel fraud is bs!

So I guess you guys can just count on me not charging anymore with you! Over ten years and never been asked for my drivers license.

Since you have blocked my card. Thanks for leaving me stranded.

[protected]@corporateair.com card ending in 9863

Absolutely! You can use your debit card anywhere you see the mastercard® logo. Also, there's no need to notify us about your travel plans before you leave. If you have any questions or problems while you're traveling, call our collect international number [protected].

I recently got approved for a Venture card and was super excited about alll the benefits id receive using it. Well, I also thought that after going through the applicaiton process, getting approved, the card being shipped and being enrolled online, I would beablet o easily activate the card and use it. But that has not been the case and i am not happy. I have been having my card over two months and have not been able to use it without them harassing me for more info as if I am some sort of criminal. To me, I believe I passed that test when i filled out the application, otherwise why did you send out the card? Do you just approve everyone but then let them be in a bine because they don't have the documents on hand that you want. Im sorry but im not going to give anymore info than i have when i got approved. If you wanted more info it should have been included in the appllication. The only way ill ever recommend capitol one is if they cut out the [censored] and let me use my card as stated in my aggreement.

Cap One Review - 11/09/2019
Good luck Transactions went missing overnight — fees from nowhere. You are shopping, and you look online to find out you have no cash in your account. Institutions that you blocked, they permitted to make withdrawals.

Wors are the tales they spin, acting like your best friend. They threaten to hand upon you due to USD1, 500.00 in missing funds. Perhaps you are supposed to be a shiny happy person when they abscond your cash.

There is much more. Just stay away.

For the first few years with Capital One my experience was good until a fraudulent charge was made on my card. I called their customer support which inevitably connected me with people whose primary language wasn't English. Making communication much more difficult. On top of this they were poorly trained to handle crisis intervention. So they insisted on sending a pin number to my cell phone. this part was somewhat unbearable as I keep waiting for the pin to arrive. Finally I asked the agent if he was sending it to the proper number, as I repeated the number, which he said . Finally he transferred me to another agent who again forced me through pin verification. Again I asked for confirmation of which number they were using. It turned out they weren't using the correct number even when I told them what it was. Fast forward, after two weeks the new card didn't arrive. Called them again and again i was connected to the other side of the world where English is not the primary language. I was informed, the new card was never processed so they will now get this going. Later, I online to delete the invalid phone number by my account refused to allow me to change/edit personal information. So again i had to call back for help to get the invalid number deleted. Agent again insisted on pin number verification which I complied to. Once this was done, he abruptly said I need to be transferred to another agent who then again insisted on pin number verification. I think. Capital One has gone bonkers! I'm replacing them with another primary card.

I have received repeated credit card applications for a Christine L Spotts at my new address (5252 Orange Ave, #427, San Diego, CA 92115). I called customer support to inquire how this name was connected to this address, as this woman's credit information was incorrectly included on my credit report over 15 years ago and I have made sure all references to that name are no longer connected to me. No one could tell me how that name got connected with my new address (since May 2019) nor where they got that name. I was promised that I would not receive any more applications from Capital One in that name or in my name (Christine Young) but I keep getting these applications.

How did Christine L Spotts name get connected with my new address? Where did you get this name?

How can I stop getting credit card applications from Capital One?

Christine Young
[protected]

My name is Asia Redmond. I have had capital one for an Lien Holder for my 2011 Chevy Impala. I was recently involved in an accident that was not my fault as I was in traffic at a stand still and was hit from behind. The person's fault it was, had Nationwide for insurance and according to the damages my car was totaled. I have GAP for insurance and Nationwide has paid Capitol One $4, 202 for my car. GAP however needed 2 documents from Capitol One which was a History of my Car payments and My contract. I asked as of last Tuesday, October 22, 2019 for those documents to be emailed to me as the agent I spoke with said that could be done and put that in my notes. He also told me to check that next Monday 10/28/2019 or Tuesday which is today 10/29/2019 to see if they received the check from Nationwide, because I was told that no documents would be sent out unless Capitol One received their payment. I called Yesterday to check if Capitaol One had received the payment and was told that they received it yesterday but the information that I needed had already been sent out to GAP as of last Wednesday 10/23/2019. That for one was the first lie but I looked past it and asked if the documents I needed could be emailed to me because I have an online account with GAP and I had a portal I could upload the documents to so that they would have them already. Plus GAP's process for having information mailed or emailed to them takes 15-20 business days and on top of that once they receive the information it still takes 15-20 business days. That will be 2 months without a car, and to make matters worse I have paid my car payment every month on time for 4 years plus I have kids 2 jobs and a life. All I asked for was to have the information emailed. Yesterday as I was talking to the lady, I asked to speak to a manager, not in a nasty rude manner, despite the bull that I have been through, and she had me on hold for 10 minutes only to get on the phone and tell me that, She could not reach a manager but could get me to a resolution specialists, when she placed me on hold for that, I was on hold for 2 minutes and the phone disconnected. This is terrible customer service, yawl have no one in the auto finance department that speaks clear English and that is not to be biased but you also run over your customers. I will never and I mean NEVER use capital one as a auto finance company again. Yawl did not come through as you were supposed to and it shows judging by the many complaints you have and how long they are.

My name is Shereka Mosby and I was a customer with capital one for years. I spoke with a representative in June about setting up $100 a month automatic deductions until account paid in full, but there's been an ongoing issue with whom provided incorrect information on the call. I was not able to pay for months and when I was able to do so I resumed payments. I told this representative I was in the process of buying a home and for an error such as missing a number on checking account, it is your word against mine, because I requested resolution letter and Capitol one has yet to provide one and filed in July. You've reported me to credit bureau as bad charge off when I actually called to set up these payments and received letter in june after Ist payment that did not indicate you could not process June due to incorrect info, but you will deduct on the account as requested. People set up automatic payments so they dont have to call, and this has lead me to believe you should never set up automatic deductions because of errors like this. I also tried making the $200 payment in july but representative stated not to and wait for resolution letter which I never received. This is the only account reflecting negative and I'm sorry that I was excited to get my life back on track, and let your representative get distracted and she did not do her job that day. With Capitol 1 advertising what a great company you are to have, I've dealt with companies that dont have your "credibility " and they dont treat customers this way. All I'm asking because of this mix up is to report fairly to the credit burea, because I have not received correspondence regarding resolution and unsure if capital one is being honest about what happened on the call. I should not have to suffer because of someone's incompetence in your company. Especially when it can effect people and they are trying to do the right thing. I sat at my desk that evening and paid everyone with the same info, but you are the only company that did not obtain correct checking account number. Also the only company reflecting all this negative things on credit report, when I was able to catch up on my payments and it was not processed correct

I've spent days and have made multiple calls to Capitol 1, no one has been of any assistance and have been unprofessional telling me not to make payment in July, I dont receive a letter and my account is worse than it started before the investigation.

Please call me on my cell anytime I need to resolve this. [protected]

when capitol one bought out synchrony bank and the systems got switched over, i made my minimum payment then set up auto pay. when i realized it was for the same month, i canceled the payment for that month (as i had already met my min.) and let it be from the next month on...then i realized they were gonna take 2 payments the next month, so after getting THAT straight, i thought...the very next day i noticed that the payment i CANCELED was processed anyway...I'M SORRY THAT IS ILLEGAL... when the account was switched i was told no payment was due...capitol one had NO RIGHT to take a payment i had CANCELED and if this can NOT be made right as it has already been taken out of my account...putting it back WILL NOT solve the problem...this company has committed a crime against me and i want justice...don't know exactly how i'm gonna get it...BUT REST ASSURE I WILL

Hi, tahanni daniels
This email is to inform you that your loan application has been successfully approved up to $8000. So in order to get your loan amount into your account, please kindly give us a call back on our number +[protected] for the loan verification. Once the verification part has been completed the loan amount will be transferred to you through wire transfer or online banking

Please read the loan documents we have attached to this email, if there are any queries please feel free to contact us at +[protected]
Supervisor
Capital one finance

Approval letter included as pictures

10/18/2019 - I would greatly appreciate it if I could explain my situation to someone who has a clear understanding of the english language and communcate in a effective manner. I just need to speak to someone to request an extension on my auto loan, due to an emergency. I've had this loan for over three years and never been late.
Would greatly appreciate a call back.
Thank you in advance for your assistance.
Tamaria J Foster

I am writing today because I have never in my life had worse customer service from any company I have dealt with.
I have been a Platinum Capital One Customer since 1997. I have not had a balance on my card for some time and I received a bill for your annual fee of $19. I made this payment however it was received late so I was then billed $90 for late charges, finance charges and what every charges you can attach to your fees. When I called to ask to have this charge removed I was told they could only remove the late payment and finance charge so they dropped the new bill down to $57.50.
I was so frustrated with your customer service I cancelled the card. I then called back and asked to speak with a manager. I spoke with a lady named Joy who told me she could do nothing. I asked then to speak with her manager and was transferred to Debra Agent# GEJ848. She assured me she was the senior manager and there was no one higher I could talk to. She was not willing, or as she said she has no way of waiving that fee. I find that hard to believe. Your senior managers have no way to waive $57.50 for a customer that has been with you for 22 years and paid over $400 annual fees on a card I don't use.
At this point, it isn't about the $57.50 that I do not intend to pay. I will however let everyone I know how Capital One treated a 22 year loyal customer. I sure hope it is worth the $57.50 that I do not intend to pay, losing my business as well as my friends and families business.

Leslie Post-Wood

Setting up my app & online account required entering an access code they would text, but their system would not recognize my phone #. Multiple calls to customer service and online tech support took a lot of time and several days delay due to their procedures. I was told I could register a complaint on their website, but after some time couldn't find where & even entering words like "complaint" or "customer feedback" nothing comes up. I've NEVER had so much trouble with a financial institution & even branches of the fed government like Social Security & Medicare text security codes to my phone# easily. Totally ridiculous.

I mail a money order on the 6-28-2019. The money order was cash in the 7-05-2019. This money never was apply to my account. I track the money and fax the information to the company and no action have been taken to my account. Every time I call I get no help. Several different people told me credit department have cash the money order. I have a proof of the money order. Do I need to file for fraud.

Dear person in charge,

I am reaching out via email to hopefully get help this way. I submitted a claim in July because a computer store called "Vellve Systems" screwed me over. I gave them my Apple MacBook to fix, they replaced the motherboard and fan and threw away my parts. Nevertheless, the computer was still not working. A whole month later, my computer was still not repaired. To not waste more time there, I picked it up even though it was in a non-working condition. They wanted to take out the parts and give back to me a computer without any parts in it because they don't have my old parts anymore. I was not okay with that. A computer should be given back the way they received it from a customer. I tried to find a solution with the owner but unsuccessfully.

I filed a dispute with Capital One to solve this issue. I was promised they will help me to get the money back. From July till now I received three letters from Capital One. First letter was to inform me that the merchant has been contacted and that I need to wait up to 90 days for his reply.

Second letter was a notice that more documentation is needed from me. Letter was dated August 15th, I received it in the mail on August 20th and uploaded all the necessary documents to the link that was emailed to me. It was uploaded on August 21st.

Third letter I received was on September 19th saying the case is closed because I didn't send in the documents on time even though I did submit them on time! And I have the confirmation letters as proof.

I called and they reopened the case. I submitted more documents they were asking for via an email link on 9/30 and 10/1 .

Then I get a phone call on 10/01 that my case is closed again because I didn't submit my papers on time which should have been submitted by August 3rd! That is the first time I hear that I was supposed to submit something by August 3rd. That was the time frame when we were waiting to hear back from the merchant.

I have a feeling Capitol One is trying to find ways to not help me get my money back.

On 10/01/19, I spoke to the account manager Lindell, HUW715. He was not very friendly and not helpful. His first excuse was that the letter from the IT store is not giving enough detail about a second opinion. But they have explained everything in this letter, which he realized after reading it. Then he changed his excuse to that I submitted my papers too late. Which is a big lie! He was clearly making things up to not have to do any work. I will attach all three letters I received from Capitol One. Again, I have been submitting everything on time.

I am very disappointed in the service I have received so far. Vellve System is trying to keep my money for a non-working motherboard they installed. My laptop never got repaired and I can't get my old parts back since he has thrown them away. A second IT store confirmed that my computer is still not working due to a conflict with this non-working motherboard. Another repair will cost me $300.

I am so frustrated and disappointed. I hope I can get help this way. I will attach all three letters I received from Capital One and my case number:
Case: [protected]

Please check my case # and you will see that I had submitted all documents on time.

Let me know if you need me to submit anything else to you.

I hope you can help me to get my money back. It is not fair to charge a customer $407.55 when they never repaired my laptop and are not returning my parts.

Best regards,

Nicole Lindner

I called seeking a deferment on my auto loan. Do to my area being flooded during tropical storm Imelda. During the first call I was told that a deferment was an option I could use but was told that it would come with a large amount of interest toward the end of my loan. I decided not to take that option at the time and called back and spent nearly an hour on the phone being told that I could not get a deferment and that I had miss heard the first agent. After being escalated three times I come away from the interaction feeling that Capital One cares more about arguing semantics then taking care of a customer that has never missed or been late on a payment.

Gregora Agent sba226. I wasn't expecting the service that I received today. I'm thankful that I was not only able to speak with her agents, but had a wonderful encounter Gregroa. Who was kind, patient and took the time to understand my need. The agent I spoke with under her had ultimate customer service skills. I could really tell from talking to Gergora that she not only sets the expectations, but she also uplift them to the fullest. I really appreciate her help, kindness, and patient.

eric marshall spoke to me as a certified personal aswell as his helper brandon thomas 0n 8/19-23/2019 referring to a loan from capital one fianance dept.in the amount of 800.00 hundred dollars. there number is 330-737-3909 PS Norman charles contact me if needed [protected].. as of this 8/17/2019 im responsible to pay the funds bac too my bank. this is un fair to me look into these matters asap...