Capital One
reviews and complaints

May 31st Qualstar Credit Union mailed a cashiers check in the payoff amount of 2, 108.82$. Unfortunately the check was not to be disbursed to Capitol One on or until June 13. I cash the checlled several times about the payment and everyone said same thing we didn't get it. So yesterday I went to my bank secured proof that the check to capitol one had been reconciled. An investigation was opened but because of my strong proof they cedited my account with funds matching the check they still had as they still hadn't solved the mystery. I also asked for a replacement card because mine had been destroyed. The repetitive I latter found out requested a new card completely and in 4-6 business days I will receive the new card. So from a check in the mail May 31 to when I get my card to access it will be over 30 days. The mistakes in misallocating the original funds was not my fault, asking for a replacement card to replace a damaged card was not my fault. However, I am now a month behind in some of my bills have accrued late fees ect. When I called today I said I need my card sooner I have late bills to pay and bills I have to pay so their not late. I called Capitol One today to try and find a resolution to this and they would not take action, my option was t wait. I'm sorry but when I owe capitol one I don't get to say you'll just have to wait, not without having consequences paying fees and penalties. So I kindly ask Capitol One find a resolution other than just wait. Perhaps make sure my card data can be read on the tab in the mobile app, because then I can use my electronic wallet, or give me the info over the phone. Or send another card cancel or don't cancel the one already ordered but mail it overnight. that seems the least that could be done, but when I talked to them they said the expedited option wasn't available because the other card had not shipped. He consulted superiors and they wouldn't override it, essentially) because it couldn't be done sitting at their desk. They might actually have to call the mail room or walk down the hall. I am very upset and disappointed Capitol one has done nothing to show they care. Please look at this again, I really need the card this week or at least the information card # exp & security code.
P.S. would adding an authorized user generate a new card I could expedite and then link to for use? Or order checks expedited.
Cell: [protected] Email: [protected]@outlook.com DOB 05/12/1984 SS# ***-**-1615

I used to pay my auto loan monthly on a Friday and it wouldn't go through until Monday so i scheduled my payment for three days early so it will come out the day I get paid. Well it still hasn't come out and it's four days later. I'm paying my payments a month early so I can trade In the car I have and refinance and capital one will not let me. Like they want to be late. My account with capital one is saying recieved but my funds say otherwise. They have overdrafted me in the past cuz I think the carnote came out but it didn't but they won't take it when I have funds in my account

On 5/29/19 my fiance called to lift a restriction placed on our credit card. The Capitol One customer service representative told him it wouldn't be today, but because it was an emergency, they'd try as hard as they could to get it done the next day. The request would be placed 'ontop' of the fraud department manager's desk ASAP. I was in Branson, Mo on my way to Greenbrier, AR, (which is two hours South of our home) on a sales call. Simultaneously, I ended up having issues with my PayPal account and found myself stranded - with no gas, no cash, no food-hence our need to lift the restriction on our Capitol One Credit Card. We have a time share in Branson, so one day, even if it came to two days, wouldn't be too bad of an issue. I would just book a room for a night, and stay to catch up on paperwork until I could leave. I was forced to book a 3Night stay BC I didn't have a working major credit card to put a deposit on, BC our Capitol One credit card was restricted. This was a waste of our time-share points, but the situation was emergent, understood, and I was just grateful to have a bed and a shower. That same day, he submitted the required documentation, which were pictures of his driver's license, and was told "Thank you. This is all we need. Sorry for the inconvenience" after they verified that the submitted document went through. The next day, because my fiance had to work and has no cell-service out there, he asked me to call them to see... stating he gave them permission to talk to me about our account. I put him on speaker and called them. I requested how it was going, they needed to verify that he was near and he then gave them his personal information. They were very friendly and stated "Everything looks great!" The rep verified once again, that the paperwork was all in order and we just had to wait for a fraud manager to call him within 72hrs of when he first contacted them, which again, was 5/29/19. I stated that due to not having any service where he works, would they mind calling my phone. They stated that was no problem, and we hung up. Jeremy called them once more that day, and again that evening with the same response: They can't do anything. There is nothing for us to do but wait for the Fraud Management Department to call us. In the meantime, I lost the $500 sale, and to pawn my wedding ring for gas money, and had not eaten but 1 taco from scraped up change since the 29th. I returned home, and we continued to call them various times throughout the day with continued answers of us to wait. Our patients was worn thin by now, however, we couldn't do anything. Our hands were tied, and it wasn't quiet 72hrs. Because our Timeshare was still active, we decided to drive back with our children for a mini vacation. My Paypal account was once again active, and we took some money out of our bank bc, why not? It's summer vacation, everyone was bored, and our card was going to be activated within a couple of hours, as the 72hr window was up. Yesterday, we called at 0915, and were told the same [censored] story... Just wait. She couldn't do anything. They will call you. She'll put an 'urgent sticker' on her email, and put it 'ontop of their pile'. I asked her to do that, re-read me the email so I knew it would get done. She stated she couldn't bc the email was automated... sent to another department to be written and sent. I was frustrated at this point. Six hours later - 1515 - We called back, after still not hearing back from that magical management. We talk to a man named Joel (I believe) who told us that my fiancé needs to send in his social security card, and a bank statement, which was later changed to varication of address. It was afternoon on a Saturday. We were 2hrs away from home. Joel stated that that information has been on our account for days. Why did we not send it. He was a [censored]. We said noone had told us to send in more information. As a matter of fact, everyone we talked to said our paperwork was in order! He told us sorry, but those are what is currently needed. I asked to speak to a manager, which he gladly sent us to. I have asked for a manager multiple times, and have been told that one is not available. They are on a different floor. I spoke to the manager... I was upset/angry/unprofessional... I apologized, but I strongly voiced how angry I was. My fiancé does not like to get angry. He just wants to cancel it all and do away with it because he too, is incredibly upset for being tugged around the way we have been. Our phone call was - surprisingly - disconnected! *Shock/ Gasp* I called back and went through the whole automated crap, once again, and immediately asked for manager. She attempted to assist, and was calm and kind, which calmed me. She transferred me to manager, who did not give a [censored] about who we were, or what our situation was. I begged... explained... expressed...and he easily dismissed our case, stating that we had to send those documents in before anything can happen. So... now we wait. 2 hrs south of our home, with five children, who are bored bc we cant do what we said we could. We are making the best of this situation, but Capitol One has completely [censored]ed us over. They will not (they state they are not allowed to) tell us what all of this [censored] is even about. They sent us an email to upload the documents to... however, it is not working. I'm so done. I'm upset and disheartened. We have been customers for 3yrs now. Have had two cards. Filled them up. Paid them off. And now, I want nothing to do with them. I don't know if you can help. But I will be sending this to BBB. I will fax a copy of this to the "Complaint Department", which I was told during my 0900 phone call, that the only way to send complaints is through the USPS - address in Utah, or fax it. I will do all three. I don't know what can be done. We will send the damn documents. But we are continuing to consider our options. I have NEVER dealt with such unprofessionalism. I have been a customer service representative, I know the [censored] that comes through. I am generally one of the customers reps enjoy talking to, and discussing with, but I was pushed to the brink of mania because of the lack of respect. The obvious 'muted moments'. The flippant disregard of me, my family, as PEOPLE. We are PEOPLE. HUMANS. Not NUMBERS. Not solely CASES, ACCOUNTS. There are real-life consequences when your livelihood is messed with. When your expected money isn't available. When multi billion dollar companies cant show sympathy and consideration, they fail. You have failed. I want everyone we dealt with fired. I want at least $500 reimbursed to us due to the loss of my sale, and $50 for the loss of my engagement ring.

I am so thankful I refinanced my car immediately after purchase. I cancelled my gap insurance and the check was sent to the car dealership then Capital One withdrew it from the dealership account 2 months after I refinanced my car with another company. Why I do not know. They did not inform me they withdrew the payment and never sent me the payment. After speaking with numerous people in the company and some of them saying it was a refund and then it wasn't a refund I got ahold of the escalation department. They said that the refund would be FedEx 2 day shipping and I would have received it on the 22nd. I call today the 23rd to see where it is and now they are saying they do not do FedEx shipping and that it was sent yesterday and just be patient. I have been patient since March 11th when they took it out of the dealership account and applied it to their account although my loan was paid off Jan 29th with Capital one. I am highly upset and my next complaint is with CFPB. I don't see how a company can take money that did not belong to them in the first place since my loan was no longer with them! And to make matters worse the gap insurance company has verified a 100% refund was sent to the dealership and the dealership has confirmed that $750 was taken by capital one but capital one is saying they only have $746. This is the worst company and I will be sure that CFPB, Yelp and Google reviews see this as well. This company is a complete joke and need to lose their auto finance license.

I am complaining about the mobile check deposit site in which they knew right away they wouldn't allow the check to be accessed and still let it deposit now I have to have my husband call Prudential and issue a stop payment and reissue a check because the check depositied into my account which my husband was not on and doesn't have according to them a verifiable phone number so they held my account allowing other deposits and collecting interest on them and I want a compensated for my time trouble and they won't add my husband to my account which the account in my name and the check in his but this is ridiculous the address is the same and contact number as well I am contacting my attorney general because if it was known to be refused on day 1 they should not have let it deposit that has to be fraud knowingly accepting the deposit and denying him access. My account number is [protected] and name is Sherry Kelley husband is Daniel Lapardus address is 1918 morecott Dr sissonville WV [protected] contact number and I will be following up and pursue this matter farther

My name is Sedrina Barnes, I called in regarding the credit card balance and noticed in had $1 on the card. I called the customer service line and i'm in complete shock. I was unaware that when making the payment on it's actual due date it would not post until the next day. I spoke with three of your supervisors this morning. First I spoke to Darlessa her ID # ftx718 she was not any assiatance, then i called back and spoke back to kathy her ID # jmq948 she was not any assiatance and she was disrespectful. Then i called bak a third time and spoke with kimberly she also was not any help. Then i called back or the FOURTH time and spoke to OTIS and he was not any help either. What is the point of having a customer service line when nobody can assist you. The customer service here at capitalone is HORRIBLE. I should not have to call back four times and speak to supervisors whi can't waive a $75 fee for me. I was not aware that when my payment posts the next day it will charge me $25. As a new customer i was treated unfair and would like my credits reversed back to my card. ASAP! considering leaving this company youll dont know how to treat your customers.

I have been a capital one cardholder for about a decade. I have always received excellent customer service from this carrier - multiple time throughout the past 10 years a customer service representative has graciously removed late payment fees from my account as long as the payment was made in a reasonable amount of time past the due date and prior to fee removal. I have auto pay set-up on my account for $50 to process on the 27th of every month. $50 is typically aligned w/ my minimum due if not a little more (credit line very small on this account $2250). On april 27th I received a confirmation email that my capital one credit card has been paid via autopay in the amount of $50. Three days later on april 30th - I received an email stating that my capital one credit card is past due and that I need to make a payment immediately. Confused, I checked my email from april 27th and re-confirmed that my account was in fact paid on time. So I called customer service and the automated system informed me that I owed $2. So I proceeded through the automated payment system - paid the $2. I do not receive my statements for this card in the mail - I am paperless as most credit card companies shove this notion down your throat. With that said - I will be honest, I rarely check my digital statements, but I have had this card for several years so I do not anticipate much change to occur month after month, especially with a $2250 credit limit. Given that I owed an additional $2 - it was obvious at that point that my minimum balance due was $52 in april v the $50 that I had been paying on auto-pay. So I checked the account and I was in fact charged a $38 late fee as a result of this minor oversight. Given that I had just received the email on april 30th (3 days after my auto pay processsed on the paymet due date) - I assumed that I would receive the same great level of customer service as I have always received so I called capital one's customer service line - explained the silly $2 discrepancy that occured and asked for a reversal of the $38 late fee. I was told "no reversal option offered." shocked - I called back and spoke with another representative. She was more compassionate - but still not able to make the adjustment. She transferred me to her supervisor. Supervisor explained that capital one used to be significantly more accommodating when it came to late fees - but have since tightened their policies. However, in my opinion, not reversing a $38 fee on an account that is past due by 3 days and $2 - that is just poor customer service. I called customer service again today in hopes that my situation would interest someone enough to make this right - but to no avail. It appeared to me that the individuals working at the support center had their hands tied. I do not think any level of supervisor in the building has the ability to manually override the system's rejection - which means the computer is the only true source of customer service provided. If anyone has any advice on how to resolve this please let me know, elaine. [protected]@gmail.com

On 4/17/19 a charge from official payments was processed in duplicate for 22, 650.00
both processed same day both the had same authorization number.
I called customer service and explained to the young lady in tampa florida what transpired. She confirmed the the amounts were the same for the same date with the same authorization number. She advised I dispute it because trying to get someone at official payments during tax season could take forever. I disputed it and the charge to my account for the 22, 650.00 was reversed.
The very next day, I received an email from Official Payments. They explained the duplicate charge, their apologies and the amount was credited back to my credit card.
I in turn called capital one immediately and informed them. I asked to please remove my dispute as it has been refunded. I was told and have been told for the past 3 days that they can not remove the dispute until they receive something in writing from Official payments. That they have 90 days to do so.
My concern is that I can not make a payment on my account now.
Since it is showing a negative amount due.
I understand you need to follow proticale but it is all so clear when you look at my account, There's a double charge for the exact same amount, same day, same authorization number. then next day you see a credit for same amount from same vendor?
I'm am amazed at the fact that I could be charging something for $50 at the grocery store, and I will get a call, a text and an email from the fraud dept asking if I'm making the charge and to reply yes or no to confirm but a charge like this was never ever questioned.
I just want to pay what I know I owe can someone please help me with this?

I always pay my bills the first of the month. I noticed just like last month my payment wasn't posted until the 15th of that month even though I sent in payment on the 1st by money order and mailed at post office same day. As usual I check the status of my payment was not posted so I called customer service they claimed no payment was received. When I checked my mail same day the 17th of this month I received a letter did 4/9/2019 that my money order was damaged. I sent a western union payment the 17th and the status is delivered. I called customer service and talked to Silver and she told me it can take up to 15 days to be posted to my account. I am at perplexed why should I pay a fee for a late payment because your company is slow?
I will pay this card off asap the customer service sucks!

Charge by 1757 Golf Club, Dulles, VA for $2367.60 for dinner on March 29, 2019. Merchant coded as "green fees". I have invoice that clearly shows charge was for a dinner for 32 guests (a rehearsal dinner for my grandson's wedding. Talked with supervisor on phone. Was told there is no way to change rewards from 1% to the appropriate 4% although I can demonstrate and the venue will verify that the charge was for dining. I understand you go by the merchant's designation, but no system is so inflexible that it an't be overridden. I applied for the Savor card specifically because I was anticipating this major dinner expense. I realize the card is new and anticipate others will be similarly frustrated if you provide no way to demonstrate the actual basis for a charge. Fo the sake of good public relations and customer service I hope you will help me by making the appropriate change to my reward points.

I placed an order for a $25 rewards giftcard on 1/6/19. To date, I still have not received it. Today is my third time calling to find out where the card is, 3 months later. I was told that the credit was placed back on my account, instead of the card being reissued, and that they have no control of the mail. This is precisely why I don't use this card. The service is trash, and so is the return.

My dear friend and business associate Lisa Milla Lawson has been detained in Malaysia for over 2 years now. She needs funds to get released. She was assessed a fine of $100, 000 to have her merchandise released from being held by the Malaysian government. The cost of her release has now increased from $100, 000 to nearly $400, 000. Several banks have been blocking my attempts to send her money, even closing my accounts with them, including Capital 1. I need help getting Lisa released from Malaysia and be allowed to return home with her merchandise. Lisa is the owner of Lisa Lawson office equipment, an import/wholesale company for office equipment. Her merchandise in Malaysia cost Lisa about $1, 300, 000. Her webpage can be found in Google.

today 04/05/2019 at 3:30 PM I had called to check the status of my application for new credit card/ verification and the customer service rep was very rude and offensive he stated to me that I was too dark for capital one back office team and that my 1 of my 2 forms of i.d was unrecognizable. keep in mind I am a Afro- Caribbean woman and my skin completion is not dark at all I have a very light skin tone as I expressed to the CSR. the CSR than gets very loud and acts as if he cant hear me speaking and hung up in my face. It sickens me that Capital One employees racial profile customers/new customers. I have spoken to my lawyer regarding the troubled horrific rude customer service experience.

I have been loging in to my Capitalone online banking account for a long time with a 2 step verification using security code sent to my email address on file with Capitalone. But the geniuses changed the process a few months ago and cannot login with email anymore. It is now asking to send verification code to my home phone number that is on file. The problem is I am traveling abroad extensively and cannot use this option. Wasted time and money calling them from abroad to no use. They can't help. My money is locked up with them. The government props up all these failed and incompetent megabanks with tax payer money and the megabanks don't give a damn about their customers. Will now have to wait till some other bank buys Capitalone and fixes the login functionality.

I received a phone call from a company listed on my caller ID as Portfolio Recovery. The call came in at 10:50 AM on February 21, 2019. They as for me by the name that appeared on my card. I said that person was not available and the person on the other end hung up. I called the number back and the answering service identified the redialed number as a company called Portfolio Recovery. I asked why they was calling my home. The person replied by saying they had bought out my unpaid loan from Capital-One. The loan was $900.00 and they were giving me a discount of 15%. I said I would get back to them after I spoke to Capital-One. I was told that your bank sold the loan to Portfolio Recovery. I then hung up my phone. I called Capital One and was told to send in a report because it sound like a scam. The phone number for this company is (336) 481-5060.

Willie Lou Thorpe

I paid off capitsl one credit card and I over paid by 40 cents.. So they sent paper check. I cashed it... Few days later it came back to my bank unpaid... Which in turn costed me 40 cents & $24 return unpaid fee. I called capital one. To ask why they sent a check and wouldn't honor it. Never got straight answer and they refused to reimburse the $24 for check being returned unpaid. I have since cancelled my service with capital one. Please don't cash any checks from. Them... Even if it is owed to you... It will cost you more because they will pay it and you'll end up like I did paying bank fees and the amount they owed you. I don't want to do business with a company that does such bad business practices.

They're the worst credit card company and I will not ever recommend this company to anyone! When you call customer service they are not helpful and only want more money from you that the company is stealing from you. I'm going to pay off the cards and never use them again.. I will blast this on every website possible, so there won't be more innocent people affected!

I am EXTREMELY UNHAPPY with the service I receive from this credit card and company. While I can understand your efforts to mitigate fraud, the fact that I am constantly treated like a fraudster is both insulting and frustrating.

The reason I rarely use this card is because anytime I do, many of my purchases are denied due to suspected fraud. This is both embarrassing and humiliating in front of my business colleagues friends and family. It feels like playing Russian Roulette every time the card is swiped because I do not have any confidence that the purchase will be allowed, or oft times will be rejected. I receive a text, email and phone call asking if I made a particular charge; I respond "yes" and it says the purchase is approved... but somehow inexplicably it is not! It says "please resubmit and it will be approved" and yet again and again it is not!

I call your UNHELP DESK and they tell me... "sorry and I need to get a manger, " whom echos the same insincere and scripted obligatory response "sorry and we have to ask you again about your purchases, and can you verify to whom we are speaking, and can we know more about your private life than your physician and can we have a urine sample, then and only then we can approve the purchase. While I might expect such rectal exams at my doctor, I find it incredibly irritating to have to subject myself to such things every time I used this card or call your company. The excuse is that your fraud system is very sensitive, yet I seriously doubt actual criminals have any problem making transactions, only the loyal law abiding customers are prevented from making purchases and treated like Russian agents or bots. All of this over a $25 Notary Public purchase... certainly enough potential fraud to cripple the US economy and cause the collapse of Capital One's $362 Billion empire.

This has happened to me for years and there is no end in sight. I imagine you can surmise from my sarcasm how angry and frustrated I am. As an African American I have had to struggle all my life to build a life and become successful. With all of the struggles I face in this world, I would not expect the same struggles with a credit card (a card I was approved for, belongs exclusively to me, something for which I have a fiduciary responsibility and am legally liable for).

Sadly, I am painfully aware no one in your company will even read this or if you do, will care or do anything about it. There was a time in the past where Capital One gave me a chance to help build my finances and was actually great about their service which is what prompted me to stay with you and even get a second card and third for my daughter (and of course recommend it to all of my friends), however I feel I am reaching a point where nothing is worth this type of abuse and abject disrespect. I know you have millions of customers and you do not care about one, but other cards I have do care and demonstrate it with world class customer service. Ostensibly, I really do not understand why Capital One cannot do the same as other credit providers like you used to.

I can't stand to watch any of the commercials with Samuel Jackson after I watched one movie that I thought was a western with some good actors called "The Hateful Eight". One scene with Samuel Jackson was so disgusting involving another guy and Samuel Jackson's private's that I can't stand to watch him act at all. Please reconsider your spokesperson.

Transferring 5k from an in-house saving account to an in-house checking account. The manager said I needed two forms of id. My va driver license wasn't good enough. So I said close the account which she did but then a second was required also. She reopened the account because she thought of another way to to original transfer w/o second id. Will be closing all family accounts. Been a customer for over twenty years and still call by old name of chevy chase. The new bank policies and customer service are driving people to online banking. All thegood employees from capital one in oakton virginia have departed and we are stuff with nasty women. Don't even get me started on the lines. Not all capital one branches are bad but the one in oakton has to be top three worse.