Capital One
reviews and complaints

I have been a Capital One credit card holder for over a year & made all payments on time. I applied for a Spark Small Business Card, was approved & received the card. When I went to activate it, I was asked to send additional info to confirm my identity. Although very strange because I am a cardholder already for over a year & was already approved for the Spark card, I forwarded a picture I.D, Social Security Card & a mail communication with my name & address on it. I was called again about a week later to verify my address with another document. I forwarded a copy of my Wells Fargo Bank Account Statement that included my name, account number, address, etc. I was called again to say that they could not confirm this info! All this after being a cardholder & having all my personal info on record with Cap One for over a year & already being approved. I could not talk any common sense with the representative in the Fraud Dept & asked to speak with the Manager of that dept. She was equally vague & could not answer my common sense questions or provide me with any sensical explanation. They would not activate the card. I would like to note the VERY POOR CUSTOMER SERVICE of some of your staff in that dept. I WOULD ALSO LIKE AN EXPLANATION OF WHY I WAS APPROVED, SENT THE SARD & THEN NOT ABLE TO ACTIVATE THE CARD!

I had three accounts that I was current with. There was a fraud on my account and my account was closed because a capital one representative made an error. I was told someone committed a fraud used my checking account which was attached to the card and had the card reissued to be sent to Michigan. Changed my address and other personal information. I've never been to Michigan. But instead of fixing the error they closed my account. I did nothing, no missed or late payments. I did nothing on none of my accounts.

I have been back and forth between Transunion and Capitol One regarding my credit card being reported Transunion. My name is Bruce M. Cody. My credit card # is:
[protected]. I have spoke 7 times to each company with no results still! I am trying to purchases a home for my family through the V.A. I am a 61 year-old 100 % disabled vet and don't want to wait any longer to get this rectified. I have contacted your CEO and others with absolutely no response. My next step is to call a local television station to ask them for assistance but. I am searching for my last straw through you.

Olia J. Rodney Jr. Loan # ES759744 1817 N Johnson St. N.O. LA [protected] or [protected]
I am totally disappointed in the level of customer service that I have received since I agreed to allow Capital One to finance my mortgage loan. I feel as though since the mortgage department is closing, no one seems to care about the customer. Initially I was told that my bills will be paid (not closed out) and I would receive $31, 000 in liquid cash so that I can do things such as pay off my daughter's medical school bills. Two hours prior to closing, I received paperwork that showed that Capital One took it upon themselves to add in the paying off of my Porsche for $30, 000 and that I would receive a check for approx. $700 AND all of my credit card accounts will be closed. This was all after I had already gone through 2 reviews for approval of the paperwork on the original agreement. In addition, once the title guy came out with the paperwork (that I totally disagreed with because the idea was to get cash to pay for medical school), he had my ex-wife name on the paperwork. My wife asked him if she had to sign papers since she was on the title but not the mortgage and he said "no". They also added my other land on the paperwork which shouldn't have happened. I was then told that all of the checks would be sent to me and I would have to send to the credit card co.'s Each day I was told that the checks were on the way. Meanwhile, my bills are getting further behind and late fees are ensuing. Today I received a call that all of the paperwork was incorrect and new paperwork would have to be sent out to me but Capital One is now closed and nothing can be done until Friday. Also, I cant receive a time of how long THIS process would now take (although I still didn't agree with just receiving $700-defeats the purpose of me getting the loan. It has been one problem after the next and I am asking that someone call me at [protected] or [protected] ASAP to provide some type of resolution. Preferably I would prefer to get my cash of $31, 000 as previously discussed without closing my accounts. However if the accounts have to be closed I would rather receive the cash as a priority as my daughter's medical school depends on this.

With absolutely no warning, I received a form letter from Capital One dated November 13, 2017 telling me that my "account has been restricted as of November 13, 2017" and that it "cannot be unrestricted prior to closure." Say what? I readily admit I had not used the card for a long while so I attempted to chat with a supervisor to explain the situation (we had retired about 3 years ago and needed to curtail our spending for a while to live off savings so we could maximize our Social Security benefits). I explained that I would be more than willing to use this card with greater frequency now that our incomes were increasing. Was there any flexibility on Capital One's part? None! All the supervisor could do was keep repeating the same stock phrases rather than answer my question about how it made better business sense to alienate someone who was once a good customer rather than retain a customer by offering them a way to demonstrate their intention to be a good customer again. I almost fell out of my chair when the supervisor suggested I could apply for a new Capital One card. When I asked, "Why would I do that when the bank is not willing to offer terms whereby I could demonstrate my intention to be a good customer by using the card I already have?" he avoided answering my question and just said, basically, "It's Capital One's way or the highway." All I was asking for is (a) that warnings be issued before accounts are unilaterally closed (I received no such warning!) and (b) an opportunity to demonstrate my desire to be a good customer again.

Capital One used to be very nice to deal with. Short wait times, helpful agents and a willingness to waive membership fees. For the past year they are just plain mean. The wait times for customer service are at least a half an hour and once you get a hold of someone they act like you are some kind of misguided beggar asking for a handout.

Yesterday one of my cards was declined which caused me a great deal of embarrassment and stress. When I finally got to an agent he told me it never happened.

I order one credit card now someone running around with my information. I ask them to close my one card account then ask for number she told me there's no number so I said I'm calling my lawyer. In 20 minutes she called stated that they going to investigate. Now today another person Chinese called say he need to collect a debt of $100. I told him don't call my phone ever I'm going to report them. Phone number [protected]. I have copies of every payment I made with 1 card. They keep taking the amount that I gave them. Someone needs to investigate them ASAP. Can I get my money back?

My husband is a customer of Capital One investments. For over three weeks he was unable to access his account even though he called Capital One Customer Service each time. Today he asked for my help. When he tried to login he could not. We called the Customer Service support and Ismael answered our call. This agent refused to speak with me - and proceeded to "guide" my husband following the same steps we had stated had not worked for three weeks. When I advised him we'd complain about his unprofessional and ignorant behavior, he refused to provide a last name and also stated Capital One Customer Service agents do not have a code.
I told him that people like him are the reason Capital One has such a bad business reputation.
Please stay away from this company. I don't know where this Customer Service agents are located - perhaps India? And obviously they have no respect for customers, especially if we are women.

My credit card (opened in 2015) has been reported to credit beuros as closed. And new credit card (opened in 2017) was reported as opened. I called and asked to clear the situation with credit beuros as i want my oldest credit card to stay current.
Resolution was. My 2017 credit card was clised and 2015 credit card remained closed as well.
I called back and asked for a 2nd dispute to be send to credit beuros to confirm that 2015 accout is still open. Resolution was. My 2015 credit card was noted to be lost or stolen but remained closed.
I asked to send another dispute to clarify that card is open. It was lost or stolen so number on the card changed but accout remained the same. Resolution was. Credit beuros removed account from my credit history. Like it never existed.

My husband and I researched many credit card companies before we choose Capital One. Our reason for choosing them was the low interest rate and the 1.5 cash back on everything we brought. Once we got our disclaimer in the mail and started reading it. (Which I know most people don't ) It said that the interest rate was going to be the highest one 23.99% if we didn't pay it off every month (which we had planned on doing ). When my husband called to inquire about it he got the third degree and was asked a ton of questions. More questions than when he called to sign up for the card. We want everyone to know that they need to be aware of the switch and bait with there interest rates.

Sept 29 Capital one cancelled my credit card without me asking for it to be cancelled. They claimed they sent a new replacement which i never received. Its bow oct 19. They never informed me they were replacin it. No email, no text msg, no phone call.. Nothing! The worst part is i didnt realize till now it was the old card i was trying to use until it got declined. So i called to find out what the hell is going on. They gave me some sob story which i did not care to hear. This is the second time capital one has done this. And probably be there last time to me. I will pay them off an cancel the account completely. Completely unacceptable. I have never in my life been so embarrased and felt so ashamed. Here u go out to eat thinking you good and DECLINE is what u get. My thing is capital one did not apologize for the inconvenience nor did they admit fault. Over the years i've been becoming more unsettled with Capital one. And this just put the icing on the cake. ALL CAPITAL ONE CUSTOMERS BEWARE!

- Date of Incident:
09 Oct 2017
- Description of incident:
******Force to make a late payment******
-Today was the due date for making a payment in my credit card. I tried to make a payment two nights ago but the site was down for maintenance. I tried to schedule the payment tonight and would not let me to schedule the day for today so I end up calling capital one.
The representative that answer the phone stated that although it was still the due date I will still have to pay a late fee. I asked to speak with a supervisor in which I explained the situation to him. He said there was nothing he could do and that the times for due payment are in the app and the website. I proceeded to check my capital one app to see if I missed it and there was no indication of time due on the due date. I told him that I was looking right at the app and it didn't show it. He stated I can get someone to walk you through I which I reply that I was looking right at it and that he should look at your own app (all besides the point).
As a supervisor they should speak with facts not just false statement to make the company look good.
All I wanted is just to avoid paying a late fee, as a representative of CAPITAL ONE and a SUPERVISOR he should not have gotten confrontational with me and find me a solution (I AM STILL TRYING TO MAKE A PAYMENT ON THE DUE DATE)
This is not right for a customer to be treated this way and much less to be force to pay a late fee when is not late yet.

- Desire Resolution:
I want a refund if charged with a late fee.

Please feel free to contact me:
[protected]

Attached images show no time to be due ONLY DUE DAY. Which is still today.

I made my payment on 9/28 using my mobile app (as I have done for YEARS) using the exact same bank account information that has been set as my primary payment account FOR YEARS only to discover that my bank account information had been deleted from my account. I attempted to re-enter the routing and account number only to receive an error message.

I called my bank. There is no issue on my bank's end. My other payments using Chase and Visa mobile apps went through without issue and my bank account information was still linked to those accounts.

I have called SEVEN TIMES to be sent to IT who claimed they fixed the problem and accepted my payment online on 9/28. The payment was returned on 10/2. I attempted another payment on 10/3, and was told that would be returned again.

I called AGAIN and was sent to a senior account manager (Dylan at ID: ACJ432) who ASSURED me he would 'Call me with good news' the following day at 12:15 pm. He did not call.

I called AGAIN on 10/5 and was given NO EXPLAINATION, sent to ANOTHER senior account manager who was incredibly rude, told that I could not be connected to "Dylan" and then placed on hold for 15 minutes and hung up on.

I need an explanation as to WHY my bank account is no longer able to be linked to my Capital One account to make payments. I also deserve an apology for the inconvenience and multiple suggestions that I've had return payments in the past. I pay early and above the minimum EVERY MONTH. I also need this issue rectified prior to my payment due date as I WILL NOT pay charges for late payment because your company can't figure out it's own technology.

Erin Ryzyi

Greetings,
I applied online for a new credit card today (September 27, 2017) with Capital One. I was approved for a very small credit limit of $300. I called the customer service number to see if I could increase it, as it's for a balance transfer. After the automated system got through with me, I had to repeat the same information to a guy with an accent I could barely understand named "Jeff." There were children crying in the background and I couldn't understand him at all. I got frustrated from asking "what?" over and over, so I hung up and tried again. This time I got another guy named "Jeff" with a slightly more intelligible accent. I asked if he could increase my credit limit, and he said I'd have to try in 3 weeks with the "automated system" and that such a matter couldn't be resolved with a human being.
Which brings us to the real problem. I asked for a manager, preferably someone in the United States. After TWENTY MINUTES of holding, I was put on the phone with "Michael, " who never apologized and treated me like an absolute bully. His initial tone was short. In fact, I demanded that I be put on the phone with a professional in escalations or a manager, which he REFUSED to do. I asked for his ID# or last name, and he REFUSED to give either! Then he finally hung up on me! I'm now demanding that the call be reviewed. I noted the time at 3:01 eastern time during the call, but the call was placed at 2:36 PM eastern time. The phone number I called was [protected]. My phone number is [protected]. I expect someone to reach out to me and explain Michael's behavior and apologize.
I await your reply. The entire experience will then be told to a loyal social media audience of over 55k. I'll hashtag you.
Tony Shalaby
[protected]

Sept 20, 2017...i contacted customer service about lowering the interest rate on my credit card. Reason: health insurance premiums have become unmanageable, so looking into our household bills to see what we can do. I was transferred from one department to the next. From one supervisor to another. And then, back to customer service. One hour and four representatives later...was back at regular customer service. No one could help me.
I heard twice, " I don't know why they transferred you to me" ...really, I don't know either.
Very poor customer service.

This company charged me a late fee for making a payment that was 1 hour late. I was having computer problems on the day my payment was due and when I called to try to explain this to the rep he calmly told me that they no longer waive late credit card fees for ANY reason. Keep in mind that I am in an area that was recently declared a disaster due to Hurricane Irma and received an email from Capital One that they would waive late fees for those in effected areas. When I brought this up to the representative they actually quoted me the date of the storm and told me my payment was made after the date of the storm, and again it was too bad and that they absolutely would NOT waive the fees. I'm done with this greed driven company and will not ever use or recommend them again.

my payee representative account [protected] for James Morris representative for my Son Khalid Morris, who receives money from social security for is mental condition of schesophinia / mental retardation, has been frozen by your fraud dept and all monies sent for his up keep is being taken, this is do to the fact that my son who is easily used by people because of his mental condition, was used by a vandal to open a checking account without my knowledge # [protected], upon which two checks were deposited at The ATM, one for $2, 000 and one for $5, 000, when I did later receive the statement at the House with the copies of the two checks, it showed the signatures on the back no to be my sons, anyway over $2, 000 was allowed by capitalone to be withdrawn at two different branches of Capitalone mostly by ATM withdrawals, this was done on or about 7/25. a day before the bank realized the checks were fraudulent, the Fraud dept opened a case 2017072700204Z and they blocked the representative account saying that they had the right to take the money, which to date amounts to about $800, even though I explained that my son had mental issues and was not responsible, I have made complaints to the BBB in Baltimore MD, as well to the Banking Dept here in NY, my next recource is to the AG, s office, as well the social Security Dept. I hope at some point this issue can be resolved and the money but back for my sons up keep

I bought a 2005 F-150 in February of 2014 for around $13, 000. This is August of 2017. By my calculations at a payment of $460 plus change a month I have paid over $18, 000 on this vehicle. Yet when I checked on the pay off I was told it would be $11, 000 plus.
If this is truly the case I'm considering having my attorney look into my contract and your practices.

merchant that was cancelled continues to charge my card. spent over 2 hours tonight trying to get this resolved. Three customer service reps(all men) in Central America apparently dont know that women in other countries have civil rights. The first rep hung up on me when I was giving my account number. The second one kept telling me I wasnt allowed to talk to him in "that" way and h was going to hang up on me. I was asking(probably demanding at this point) to speak with a supervisor. The supervisor "Magic" gave me the run around for 30min trying to make me talk with the fraud dept.
I told him I just wanted merchant to quit charging my card. Also told me if I Choose to go through fraud dept it would take "A LOT LONGER " to have this charge removed from my account

I booked an airline ticket with rewards miles on June 9th 2017 Seattle to LAX on Alaska Airlines. See below information sent to me through email.

(Flight 25, 540 Miles
SEA > LAX > SEA (Aug 04, 2017 - Aug 07, 2017)
1 ticket
Flight Booked
Airline Reference Number: VGUIOM
Agency Reference Number: LXPYC5
Passenger 1: KRISTINA Rae WHARTON )

I had to cancel this flight and was given credits in which I used to book a ticket via an Agent (because a client cannot book their own flight using credits per your policy). This new flight was booked with my name spelled incorrectly due to the agents error. Please see flight information below per my saved emails.

(KRSITINA.RAE WHARTON
Trip Locator: LXOR5O
Flight: Thursday, 3 August 2017 Airline Reference: JGXDCA
Seattle/Tacoma (SEA) to Anchorage (ANC))

As you can see the agent entered my name incorrectly. The morning of my flight I noticed the error and spent a hour working with an agent who said I may not make it through security due to my incorrectly spelled name and also I would not be eligible for my rewards miles from Alaska airlines since my rewards plan had a different name as the ticket. The Alaska Airlines agent was unable to change the name because it was booked through Capital One. Since the flight was so early in the morning Capital One was not open and able to change the name in time for me to make my flight.

Thankfully I was finally able to convince security to let me on my flight and had to run to catch the flight. When I called Capital One the agent,
Yesenia Agent Sign KA, who claimed she was a supervisor and she was unable tried to convince me that 1) This was my error because the flight was booked online and I had spelled the name incorrectly. I have physical proof via my emails that this is a lie. 2) She tried to say tell me that talking to the agent at the airport would be my best solution which I explained to her I had done for an HOUR before my initial flight. 3)She then tried to get me to cancel the flight and pay the difference in cost to rebook the flight. 4) She refused to talk to both of Alaska Airline Representative and myself concurrently which I told her multiple times would be the simplest way to cut out any confusion and find a solution to this problem.

I spent tens of thousands of dollars with Capital One in order to gain the rewards miles to book this flight and the fact that I was treated so poorly and the customer service provided by a supervisor was subpar is an awful reflection of the Capital One Team. I spent almost 2 hours on the phone with Yesenia getting placed on hold for extended periods of time. If this is how Capital One treats their loyal customers I am no longer interested in being a client. Yesenia's interest was in "being right" and not resolving the problem at hand.

I will be writing reviews everywhere I can find if there is not some level of consideration for time and hassle due to the errors and awful service given by your team.

Thank you for you time.