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4.3 5156 Reviews

Capital One Complaints Summary

173 Resolved
849 Unresolved
Our verdict: With Capital One's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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5:37 pm EST
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Capital One fraudulent decription of 0% apr offer

Late in 2010 Capital One were offering cash advance checks at zero percent APR for 12 months. I was buying land at the time and decided that this would help cash flow, decided to avail myself of the offer and wrote a check in the amount of $6, 000.
I was a little taken aback when I received the first statement which showed this transaction, because the $6, 000 amount was mixed in with the regular monthly transactions. I pay off the balance on this card in full, without fail EVERY month and my plan was to pay off my statement balances in full, plus $500 each month, so that by the time the 12 months had expired, the cash advance would be paid off - thus incurring no interest, just the $120 cash advance fee (which they only tell you about when you grill them on it).
The way this 0% APR transaction appeared on my credit card statement makes it somewhat complicated to figure out the exact amount payable each month, and this was further complicated by having made a double payment in error one month and then missing the due date in January. I clearly expected to pay a late fee and interest for the late January payment along with the transactions listed on my statement which was due on Feb 25th. I therefore included these amounts along with the total for January transactions.
when I received my March statement, I found that I had still been charged interest on the outstanding balance - which of course solely consisted of the remaining balance of the zero percent APR check!
I queried this with Capital One and at first was told that the reason for interest being charged was that it did not arrive in time to be credited on the February statement, even though the March statement clearly shows the credit to my account on the due date. I was told it would take 2 months to work itself out, but that I would be credited. I then asked the question "Well if it takes 2 months to work itself out, what happens next month when the interest still appears on my accoount and has not been paid? Surely that amount will be picked up again and further interest charged". I was put on hold.
I was then told by the representative that she had been wrong and that I WAS being billed for interest on the ENTIRE outstanding balance - which includes the outstanding balance of the zero per cent APR advance! So how can this be zero percent APR I asked?
I was then told that the only way I could avoid being charged interest on the zero percent APR portion was to pay off the entire balance of transactions to date and then not use the card again until I was ready to pay off the zero percent APR portion.
I asked to speak to a supervisor and got the same story.
I think anyone reading this will understand that by this time any normally honest and reasonable person -would have become apoplectic, seething angry and ready to tear someone's head off. What made it worse was being told that they could understand my frustration!
Sadly I succumbed to the power of invective - which didn't really make me feel too much better, so I am hoping that someone reading this can do something about the situation - which I consider to be a total rip off by a company which I had dealt with for nearly 10 years and almost without exception had always paid them the balance in full each month .
It has not cost me a great deal of money, but I feel they need to be brought to book for such shameful business practices - which according to my definition of the word I would consider to be fraudulent.

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MNMama2
, US
Jun 04, 2011 3:14 pm EDT

Capital One is without a doubt, the worst. Here's hoping my little CapitalOne experience makes you feel some better. Bank in April 2009, about the same time the creditcard companies were being grilled in the US House of Representatives for deceptive practices, I received an offer dated April 1, 2009 from CapitalOne...Red "Purchase" checks and Blue "Select" checks. The offer clearly stated multiple times "Use these BLUE SELECT CHECKS by 5/21/2009, to take advantage of this special 0% APR for the life of your transferred balances." I immediately paid off my account in full via telephone and 24 hours later wrote a BLUE SELECT check to myself maxing my CapitalOne account but allowing for 3% transaction fee and deposited with my local bank. Days later I received a letter from CapitalOne dated April 10...
"On April 1, 2009 you were mailed a balance transfer office for the above referenced account. Unfortunately the offer contained an error. The offer included red and blue checks. The offer with respect to the blue checks was incorrect and should have stated 0% APR for six months. After six months this balance will be subject to the same rate applied to your purchases. Please do not use the blue checks that came with this offer as they are now invalid."
In my case, the deed was days done and had even posted to my CapitalOne account. They had to honor it. To protect myself should CapitalOne renege, I kept all documentation. Now, nearly 2 years later, I continue to pay minimum due faithfully each and every month on my 0% forever CapitalOne account.

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6:04 pm EST
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Capital One acct suspended for suspected & fraud & within 30 mins of activating card

My capital one master card acct was suspended for suspected "fraud" within 30 mins of activating my card! Stay away from capital one credit card offers! When I recieved the card, I opened the card and called the # on the red label at the top of the mastercard. When I was connected with the capital one rep, who didn't speak a word of english, she sounded like a vampire! As I tried to activate my m/c, I to had to try and listen to their scam offers of protection, credit report crap, ect. As i, as well respectfully declined the offers, she continued to press their offers and would not let me off the phone! Just to get off the phone with this idiot, I did accept their offer for the protection. Finally, I was told that my card was activated. I then go straight to kroger to get gas and the the transaction was approved. Great! Then I went to make another purchase and it was declined? I called the # on the back of the card to find out why? Again, I got someone else that did not speak english and did not have a clue about what the hell was going on. I was then placed on hold for 20 mins and then just transferred with out even being told, to another cap one employee and was asked to verify all my info again, which I respectfully did. The rep never told me who he was or what his position was nor what dept I was transfered to. I had to request this information! And he then proceeds to ask me how he can assist me, knowing dawm well what the hell was going on! And had to tell the same story over word for word. His reply was "someone was out using my m/c making fraudulenty charges". Blown away by being told this information, I replied to him "this is impossible due to the fact that I had just activated the card and had the card in my possession and had indeed made the transaction myself". I was then told I had to fax in copies of utility bills, paycheck stubs and drivers license to prove my identity and then my m/c would be unblocled in 4 business days."(my issue is this!) ' why the hell did they ("approve ") the card (" mail ") it to me, (" activate ") it and ("then allow me to use it ") then block it and not request this information in their application before they approve it"?!?!?!?!?!?!) this is by far, "the most utterly, absurd and extremely unreasonable" bunch of bull crap I have ever had to deal with in my entire life. On every single one of their adds it states "capital one no hassle". Well, i'm sad to say that they if you deal with them they will be one big hassle! What it boils down to me "not agreeing" to purchase the insurance, monthly credit report, and fraud protection scams by placing those charges on my card and leave me no available credit! People listen! This is a group of crooks, not a professional credit card company at all! They are rude and their customer service sucks! And I am and will pass this around to everyone I know and don't know... Stay away from capital one credit card offers and thier banking institutions period! They are not worth your time!

Read full review of Capital One and 3 comments
Update by bsutton
Mar 03, 2011 10:00 pm EST

They absolutley refuse to let me pay off the balance and cancel the card. How can I cancel the card if they can not verify my identity?

Update by bsutton
Mar 03, 2011 8:23 pm EST

The first purchase was under $30.00 and it was approved? And I'm sorry thats not a large purchase. The second purchase was for $16.72 and declined? Niether purchases were done over the internet. I dont feel that I'm being over- dramatic nor obnoxious. I don't understand why they need this information to prove my identity as well? I've just been told so many different things by many different capital one reps, and I have done everything they have asked me to do, And still no answers to my questions?

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pobarjenkins
Minneapolis, US
Mar 03, 2011 8:48 pm EST
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My suggestion then would be to pay off your balance and cancel the card.

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YLB
Royersford, US
Mar 03, 2011 7:45 pm EST

I don't understand why your second purchase was declined unless it was in hundreds and hundreds of dollars over the internet. Usually, a very vigilant credit card company will flag a big purchase done over the internet.

I don't understand why they need copies of your utility bills, paycheck stubs and driver's license to prove your identity.

Don't buy any of those "extras protections" and learn to ward off any offers from any credit card company.

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pobarjenkins
Minneapolis, US
Mar 03, 2011 6:51 pm EST
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Many companies flag the first large purchase as fraud or something similar. You are being over-dramatic, and typing in all caps in obnoxious.

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4:31 pm EST
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Capital One misrepresentation of overdraft protection

capital one offered me overdraft protetion, but failed to inform me after a few months that it would run out.
They also were charging me which was only suppose to be a one time fee. After bringing these charges to their attention they apologized and only waived one of two charges. Now on my feburary statement my APR as went from 13.15% to 22.90% and my mimimum payment as gone from $15.00 to $17.00. I never was late and I would have not went over my limit if I had known that I would not be protected.

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11:28 am EST

Capital One fraudster

I bought a U.S. Army collectible watch from Vietnam-turned out to be a fake.Ebay would do nothing, PayPal would do nothing so since it was a fraud I figured I'd try disputing the charge. After I sent my facts in twice as told by the diputes people I got the the disputed claims manager & he said you keep sending in all this paperwork etc-yep that's what I questioned the staff about but was told to do it. After the manager got snooty I asked for his supervisoe which he said would do no good. I eventuallt talked to a nice lady and left a voice message for Mark of the Executive Response committee, who refunded the money but said if the seller came up with strong proof they would have to refund him but I would be told first.Feb/1/11 they took the money without notice and said it was mostly because I had not sent the item back(they had said not to in their letter) and now they want more proof it is a fake than before.I have filed a complaint with the omsbudman and the banking omsbudman but I don't think Capital One Canada wants paying customers, they want to help Vietnam prosper by selling fakes. Needless to say I have another card. Watch bought Oct/11/10 & still fighting with capital One. If you can avoid their credit cards because if you dispute a charge they put you through ***.

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4:01 pm EST

Capital One they won't stop sending checks in the mail

I have a CapitalOne Visa small business credit card for convenience. I wouldn't ever consider carrying a balance nor use the checks that they frequently send. I feel that existence of those checks is risking one's financial security because it is so easy for someone else to get their hands on them and use them for themselves.

Supposedly one can contact CapitalOne and have them stop sending the checks. I've done so 2x. Last time I asked them to discontinue was just before Christmas 2010. I was told it could take up to 30 days to stop.

Since that time I've received 4 or 5 sets of the checks with the last coming on Feb. 8 with the January Statement (way more than 30 days). I'd think that since security is involved, they'd chase after the same day's outgoing mail and intercept any checks and stop sending them immediately. But they don't. It's because CapitalOne hopes that someone will else will get and use the checks they send to you so they can charge you for the other person's use.

While they continue to put my finances at risk due to their behavior, they try to sell me service to protect against unauthorized use. They are clearly trying to suck $ from you in whatever unethical way they can. I imagine that their employees with a conscience have trouble sleeping at night.

I'd strongly recommend staying away from CapitalOne!

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2:57 pm EST
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Capital One credit card rebill

I purchased what turned out to be a fake collectible. To keep this short after exhausting other options I disputed the charge with Capital One Canada, and after going up the chain got a full refund with a letter that said if they were going to rebill me they would let me know the other party had supplied convincing documention for them to rebill me. On Feb/1/11 they rebilled without ant notice and no one will provide me with info. about why including the Capital One Omsbudman. This company REWARDS A CON ARTIST BUT RIPS OFF THEIR PAYING CUSTOMER. I WOULD RECOMMEND AVOIDING CAPITAL ONE.

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Update by LNG
Apr 18, 2011 5:54 pm EDT

This case was settled, that ia all I can say & I do not have a Capital One Card now.

Larry Grams

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J Boileau
Selkirk, CA
Apr 04, 2009 12:13 pm EDT

Far as I'm concerned, Capital One Canada is a rip-off company big time. I got one of those pre-approved forms, went online filled it out. Capital One Gold card on the site said 19.85 annual interest rate. My statements show 25.9%.

Calling I was told that this was until November 2009. Way I see they are misleading, misrepresenting, and false advertising to the public on their site and what they get away with it?

Typical of big corporation scamming everyday hard working people just because they can. RIP-OFF RIP-OFF RIP-OFF

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jennytozer
Moncton, CA
Oct 14, 2011 6:04 am EDT

Call and ask to speak to escalations, if you are eligible for a decreased apr then they are the only ones able to help you.

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8:20 pm EST
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Capital One capitol one unethical

Back in mid December, I received a credit line increase on my Capitol One credit card, shortly thereafter I received a letter from Cap One with checks to use to make it easy to use the increase. I did and wrote a check in late december for $1000 to a company. About Jan 24th, I received a letter from Cap One that they had made an error and the credit line increase in December was somehow doubled in error and that they had reduced the credit line - 2 days later I received a notice from the company I had written the check to that it had bounced! I can understand making an error but they should honor committments. I contacted Cap On their "Secure" email many times and all I received was "sorry and tough" replys. I am 60 years Old and have never written a bad check until Cap One came along. I have taken care of the bad check and have also filed complaints with the Attorney General.. All I can say is If you get a increase from Cap One, Never use the checks - they will turn you into a criminal bad check writer!

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12:46 am EST
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Capital One id theft - bank teller cover-up

On sept. 26, 2009 a fraudulent capital one counter check was cashed at the capital one bank in babylon, ny. The check was for $4500 and was drawn on my capital one account and made out to my son. It was obvious that the check was fraudulent. The forger even misspelled my son's last name. My forged name was a copy of my poorly scanned signature from my bank signature of 20 years ago. My signature only exist in that form in capital one's computer files and on the forged check. It was obvious that a capital one employee was involved. Capital one would not allow me to give their investigators the proof that I had that showed a capitl one employee was involved. Suffolk id theft told me that my son was the person that cashed the check and would arrest him if I did not drop the complaint. I did not drop the complaint. When nothing was done for almost a year to find the person responsible for cashing the check and stealing my son's id. My son and I did our own investigation and gave our information to the 2 new detectives that were assigned to the case. They verified our information and arrested a capital one bank teller for id theft and a class "d" felony. Capital one had fired the teller 2 months previous to the arrest but according to the detectives never mentioned it to them. Capital one let the detectives go on thinking that my son was the perpetrator. Turns out the teller is 5'-2"tall my son is 5'-10" tall. The teller was 21 years old my son was 31 years old. My son did not look anything like the teller. The teller still had my son's stolen driver's license when he was arrested. They may be more than one capital one employee involved. The original id theft detectives are being investigated by "internal affairs".

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1:03 pm EST

Capital One accnt suspended for suspected fraud within 1 hour of activating card

I recently (after receiving offers from them every 2 weeks for 3 months) opened a new Capital One Credit Card Account. I received my card a few days ago, phoned the number given to activate and set up my PIN...of course I had to first listen and respectfully decline their offers of insurance, fraud protection etc. (a 20 minute process). Within the hour I stopped at a Bank's ATM and attempted a $100 cash withdrawal only to receive an "unauthorized transaction" message. I promptly phoned the number given on the back of card and was told that my account had been suspended due to suspected fraud prompted by my transaction attempt. Are you kidding me! Why had nothing of the sort come up when I activated my account not even an hour earlier...furthermore, they have my phone number (which was verified along with all my other identifying information when I activated the card) Why did they not call me?! Their reply was that they waited for the card holder to phone since someone fraudulently using the card would not bother to call...that is absurd! Then, after many phone calls to finally be able to speak to a supposed manager (they all claim to be the highest one up) I was given a list of items to fax to them to prove my identity...3 days later this issue is still not resolved (they couldn't read the driver's license...but didn't bother to phone to let me know that either...even though I gave all my contact info in my fax cover sheetand asked that they phone with any additional questions)...I really think they were simply trying to sell me the insurance, fraud protection, and monthly credit report crap and that since I declined having those charges put on my card they are now looking for a way to rescend their credit offer. I am unable to get to anybody within that organization with any authority to help me. It is seriously the worst customer service I have experienced in a very long time, like you every time I call and am transferred I am disconnected...and there is no way to deal with just one person, so you have to go through the whole history each and every time you phone. They really need to get their act together, and I would love to be able to contact someone higher up in their organization.

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smileyfarm
rineyville, US
Feb 10, 2011 12:50 am EST

I am having problems with capital one as well. This is ranging from 2006 untill now. I have hired a lawyer and have a case in federal court. Please email me smileyfarm@bbtel.com...i need people that have these issues and maybe have a paper trail.

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1:39 pm EST

Capital One worst bank ever

Capital one is the worst bank ever! i am a victim of fraud they are giving me the run around! I filed a complaint over a week ago and still havent received my money! Over $600! My money is currently pending the official post and i am still waiting. I have been with credit unions that give your money back or half back right away this bank didnt help me out at all! i cancelled my card and everything and i went to the bank and they asked me if i had my card? for what? why the heck would i carry around a cancelled card?! i was also told to put a hold on my account just in case and was told later on that my money cant post unless the hold is off! please train your people capital one. im sorry i am leaving this bank asap and sticking with the credit unions...oh yeah i was also told that they cant refund me over draft fees due to someone stealing my money! come on now! worst bank ever!

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Agustin Gomez
, US
Feb 25, 2020 2:23 pm EST

Capital None Bank is an Incompetent Number One, Ridiculous Customers Services excuses for Everything’s Stay away from this Bad Bank, I already Cancel all my Credit Cards

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TrueStory!
, US
Aug 22, 2019 10:55 am EDT

Capital One / worst bank ever
I agree 100%. I was suspected of depositing a fraudulent check from Wells Fargo. Which turns out to be a great bank.
Capital One gave me the run around and did not offer a solution to the situation. I had just had a major surgery and not fully recovered. capital one blocked my on line access and proceeded to place there foot on my neck hoping I would fall. Wells Fargo stepped right in ran an investigation offered a solution and took care of the matter from beginning to end as well as paid any fees I may have accrued. STAY AWAY FROM THE BANK CAPITAL ONE. CAPITAL ONE IS NOT A MAJOR BANK ON THE PLAYING FIELD AND THE CUSTOMER SERVICE AS WELL AS SECURITY ARE BELOW STANDARDS! I filed a complaint over a week ago and also re-deposited the money and still havent received access to my money! I have been with capital one for over 10 years without incidence. I just want my money so I can close both of my checking accounts, my savings account and cancel all credit cards with them. I too will now just be banking with my credit union. My Credit Union, Chase, Wells Fargo and Citi Bank was all amazed at the handling of the situation but all stated I am not the first when it comes to capital one they are known for this in the industry. What would you expect from a small town bank. Definitely not exceptional customer service to someone who has and still does have excellent credit with 100% on time bill payment history. So once again, I am leaving this bank A.S.A.P and sticking with my credit unions...

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Respect the Customer
Cleveland, US
Nov 07, 2022 12:09 pm EST
Replying to comment of TrueStory!

I agree! Capital One (Menards) has been the worst. They will create extra charges for reasons out of your control. I am so irritated and upset with them. I can't wait to complete my payments and close the account. I will never use Capital One or shop at Menards ever again because of my experiences. They add more stress onto customers.

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6:29 pm EST

Capital One harrasing phone calls

I just took out an auto loan with Capital One Auto Finance in late December. My first payment isn't even due until February 1, 2011, yet I am receiving 6-8 calls PER DAY from them on my cell phone. When, after dozens of calls, I called the "877" number they provided, I was told they were calling to "welcome" me.

I provided my SS# and when they started asking questions about my address, phone #, employer, etc., I cut them off, stating that NONE of that info had changed in the 2 weeks since I took out the loan and that all I wanted at this point was for them to STOP calling me. I was told that they would remove me from the "welcome" call list, yet I'm continuing to receive calls.

I've called three different phone numbers today trying to find someone within their organization who can make the harrassing calls to my cell phone stop. I now have a message in to someone at their Corporate office in McLean, VA but am not optimistic that the calls will stop. I've never seen a business organization that was so intent in *** off a new customer under the guise of "welcoming" them. I don't need to be "welcomed". I just want the payment coupon in the mail each month and to be left alone unless/until I'm late with a payment.

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legion1
, US
Oct 15, 2014 1:05 pm EDT

Capital One Board of Directors

A simple internet search and you will find their e-mail address and phone number
Richard D. Fairbank
Founder, Chairman, Chief Executive Officer

Ann Fritz Hackett
Lead Independent Director

Bradford H. Warner
Independent Director

Patrick W. Gross
Independent Director

Pierre E. Leroy
Independent Director

Mayo A. Shattuck
Independent Director

Lewis Hay
Independent Director

Peter E. Raskind
Independent Director

Benjamin P. Jenkins
Independent Director

Catherine G. West
Independent Director

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6:24 pm EST

Capital One lower payment agreement

I have been with capital one credit card for about 10years in the last year i went over my limit by 2 pounds and obviously got charged. As they stopped sending me statements this amount accumulated as i kept up my normal monthly payments (which were not enough). I requested that the charges be taken off my account which they declined. In the meantime i lost my job and was on benefits sent them covering letter with income and expenditure form with offer of payment. which thery declined and kept piling on the charges. they have passed the debt on to collection agency which are hounding me approx 20 calls a day. sent duplicates to debt collection company of correspondance. They will not except my offer of payment. But atleast all interest and charges have been frozen. I have stated about the justice act 1970 and they have stated over the telephone that they will still continue to call. I have offered to pay the debt in full minus the charges but they will not except. whats my next route and ideas?

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4:35 pm EST

Capital One harassing creditors

Got a new phone number for my work. Apparently, the guy who had that number before owes Capital One Auto Finance money for an Altima. The creditors call ~2-4 times daily and it is completely useless to talk to anyone (they are useless themselves)and very unhelpful, especially if they feel the slightest bit of defiance on your end.

After trying different angles and wasting about an hour of my life, I got to a worthless piece of flesh that was obviously not management material, however claimed to be a "account manager" and "no one above" his position and will "stop the calling". Although I talked to an individual so far up the chain of command, the calls continue.

If you google "Capital One CEO", you find a link that has a possible address to the CEO of Capital One at their corporate headquarters in VA, the Attorney General of VA and the Commissioner of Financial Institutions of VA. As a potential customer, I will never deal buisness with this company (especially after seeing the complaints) and I will make it a duty in my life to encourage others to do the same.

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T. Silvawalker
Mississauga, CA
Jan 12, 2011 6:26 pm EST
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There is only one thing I can suggest and that would be to use these credit calls as an opportunity to vent. Listen to The Jerky Boys and try out your own skits on them. You are not the person they want so you can say whatever you like - no threats - so be as odd as you like. They say "you owe and must pay" you say " I have a dog not a hippo named Musgrave" They say pardon me sir you must answer me and you say" I am sorry your response was not received. Please press the star key and try again. Etc. Why not?

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3:49 pm EST

Capital One no customer support

Trying to get a lien release faxed to me at 3pm AZ time to complete a car sale. But East coast office to which I am transferred refuses to do so until Monday because the order has to be by 2p East coast time. They were very nasty and continued to explain they were closed tomorrow, so I would have to wait til Monday. Most likely losing a car sale over this as I need the lien release today. What company in this day and age doesn't have 24/7 service nor can't service their west coast customers at THEIR normal business hours.

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5:10 am EST
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Capital One postpone wire transfer for no reason

I went to capital one bank houston stadium branch yesterday to wire transfer my money, and the transaction actually confirmed and done when I was there, but some hours later I received call from the bank and they asked me to come back to the branch office, otherwise they would hold the money until I come. I told them that money was for urgent use and should be released immediately, I would go to their office once I could find time back there. The manager there oral committed me that they would wire transfer that money within today business hour. But the money so far still hold...

If I could not go back to their office within 1 year, should they hold the money for 1 year?! If they made mistake and missed the document for signature, why they did not send the missed document to clients and ask the postman bring back the signed document back? why client's time and urgent wire transfer should be wasted by their bad service and fault operation?

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rapport
, US
May 26, 2011 2:15 pm EDT

I have experience no end of trouble with Capital One and receiving mony transfers - I ahve an international cleint who send money to me from the same account using the same details on a monthly basis... last month they sent two transfers on the same day using the same details ... the smaller amount of around $450 cleared no problem but the larger amount of $4000 never reached my account... over 30 days later! Yes over 1 month later I still hadnt received the money and it hadnt been returned to my client either - in fact it took 43 days for it to get returned to my client with no explanation. And that was with constant hounding to my bank and my cleints bank to get it back - what if we hadnt done that - would they have just kept the money and kept quiet? Well my client resent the money last week and guess what - 7 days later - still no sign... I will be closing my account as soon as the money reappears and would recommend that everyone who relies on international money wires gets some kind of back up plan.

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1:06 am EST
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Capital One not receiving promotional interest rate

I received an offer from Capital One for convenience checks with a promotional rate of 5.99% as long as checks posted by 11/15/2010. So I wrote two checks on 11/7. The first posted to Capital One within a few days and I received the promotional rate on it. The second posted to the Capital One card on 11/15. When I received my statement though, I did not get the promotional rate even though the mailing clearly stated in multiple places the offer was good through 11/15. Thankfully I kept all the paperwork. So Capital One is INCORRECTLY charging the wrong interest rate on this transaction, a much higher one of 17.9%. I phoned Capital One and was on the phone for 30 minutes with a representative stationed God-knows-where who could not help. The supervisor he transferred me to was better; she is sending this over to another department to review. Just in case that is not enough to get this corrected, I just wrote their "disputes" department, and am sending copies of all the paperwork I saved, including the initial offer which clearly states "must post by 11/15. Here's what I am sending them, minus of course the dollar amount and other information that is personal. And my caveat to you reader, is to save paperwork and check your statements carefully, especially when dealing with Capital One. I am writing to notify you that you have made an error in the interest rate being applied to the transaction dated November 15, 2010. That check qualified for a special transaction rate. Please see the following attachments: Attachment A – copy of letter from you “Dated Notification” . It states “Act by 11/15/2010 and get a 5.99% APR for 12 months. It also says “limited-time”…. “must post to your account by November 15, 2010. Attachment B – copy of second part of letter from you, right above the checks you sent. See the section titled “Use-by-date”; it clearly states “these checks must post to your account by November 15, 2010 for the promotional APR to apply. Attachment C – copy of statement from you showing that the check for $xxx posted on November 15, which means it qualifies for the 5.99% interest rate. Please rectify your error immediately, adjust the interest rate retroactively to the 5.99% rate that should have been charged. Otherwise, I will be taking legal action.

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Capital One nsf fees

Since capital one bank somehow took over chevy chase bank, they first said they wouldn't be changing anything. Wrong. They changed everything! They run debits before deposits every evening run, and they do it in a way that they can bilk every cent from every customer they can get. One chaek for $125 resulting in a $12 overdraft, cost $70 in fees, as the very next night my paychexk went into the bank, and they ran debits before deposits, collecting again for online bill payments that normally would not overdraft my account. They do debits before deposits and by paying bills online, they get you every time. They are the # of the earth, thiever and crooks.

Do not do business with them, if you do, find another bank, these thieves will eventually get you

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Cappie
Pell City, US
Dec 28, 2010 4:25 am EST
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I had a Capital One account once, paid them off after finding out how they operate. They make their money from fees charging people who cannot really afford it, putting them deeper in debt, usually forcing them into Bankruptcy or attaching their wages to collect exacerbated fees, this happens usually after months of harassment from ex loan sharks. Please don't use these company's promising to help build or "re-build you credit". Company's like this will keep you drowning in debt, and can help you loose your employment.

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Capital One payment protection plan activation

I RECENTLY TRIED TO ACTIVATE MY "PAYMENT PROTECTION PLAN" BENEFITS PROVIDED BY STONEBRIDGE BENEFITS SERVICES THAT I PURCHASED FROM CAPITAL ONE AUTO FINANCE. I WAS DIRECTED BY CAPITAL ONE AUTO FINANCE TO GO TO THE STONEBRIDGE BENEFIT SERVICE'S WEB-SITE TO ACTIVATE MY CLAIM. I WAS UNABLE TO REGISTER AND ACTIVATE MY "PAYMENT PROTECTION PLAN" BECAUSE ACCORDING TO STONEBRIDGE BENEFITS SERVICES, MY ACCOUNT IS INVALID AND I DO NOT EXIST.

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Capital One bill pays before scheduled date

I was a customer of Chevy Chase Bank. CCB merged with Capital One Bank and I was transferred to Capital One Bank. Ever since this transfer I have had trouble with the Bill pays. This month I notice a Bill pay scheduled for Dec 15 to my Mobile Phone company had been debited to my account on Dec 13. Additionally, I was charged 35$ for not having adequate funds to meet the bill pay. When I called the Bank to ask why I had been charged 35$ and why the Bill had been paid out before the sceduled date, they referred me to clause 7 of the Bill pay agreement which says that laser transfers can be paid out before the actual scheduled date. I told the Bank this is not good enough, because a customer cannot plan their financial portfolio if the Bank is paying out bills before they are due - all at their whim and fancy (because they do have a choice to reject the payment if it comes in too early). This is just not good enough in a competitive banking world. I never had this problem with Chevy Chase.

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Capital One unsolicited emails

Orchard Bank sends me several emails a day regarding my account with them and I never have had an account with them or never will. They also send emails simply to try to get me interested in their credit card. I have written them several times over the past few months, asking them to stop the emails. They always write back and say to be removed from their list I need to write them a letter with my name, address, telephone number, and signature. I then write back asking them "why would I supply you with even MORE information so you can harrass me with regular mail and calling too?!" They do not have a right to email to begin with, so no customer should have to write them anything and waste a stamp! Even though I tell them to remove me and that I will not write them, they just send the same email. There is nothing that can be done, as far as I know, regarding this company.

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Manuelsv
Nowhere, US
Mar 30, 2011 5:57 pm EDT
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DO NOT DO BUSINESS WITH ORCHARD BANK. DO NOT REWARD THEIR JUNK-MAIL CAMPAIGN BY GIVING THEM BUSINESS! I have tried to block them in every conceivable way and they still spam the heck out of me 3-4 times a day! I hate these ba$$tards!
WILL NEVER DO Business WITH KNOWN SPAMMERS In my book they are no different than the skim of the earth peddling Viagra and replica junk watches!

Capital One Customer Reviews Overview

Capital One is a well-known financial institution that offers a wide range of banking and credit services to its customers. The company has received numerous positive reviews from its customers, highlighting its excellent customer service, easy-to-use online banking platform, and competitive interest rates.

Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.

Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.

In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.

Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.

Capital One In-depth Review

Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.

Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.

Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.

Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.

Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.

Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.

Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.

Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.

Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.

Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.

How to file a complaint about Capital One?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:

  • Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
  • Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
  • Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
  • Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
  • Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
  • Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
Remember to include relevant dates, transaction details, and any other information that may support your complaint.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.

6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.

8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.

9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.

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Contact Capital One customer service

Phone numbers

1800 481 3239 +1 (877) 383-4802 More phone numbers

Website

www.capitalone.com

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Use this comments board to leave complaints and reviews about Capital One. Discuss the issues you have had with Capital One and work with their customer service team to find a resolution.