Capital One
reviews and complaints

I am constantly bombarded with solicitations from Capital One to apply for a credit card. I have been a victim of identity theft . Because of past experience I do not want any solicitations sent to me by mail as I fear someone may intercept this and steal my identify. Can you please cease and desist? I have frozen all my credit with the 3 bureaus. I have excellent credit and want it to stay this way - please stop sending me these requests by mail. Thank you. December 7, 2018

Janet F. Koechel
2768 Montreaux Drive
Frisco, TX 75034

My husband's ira cd matured on december 1, 2018, I called the bank before that date and told them he wanted to redeem the ira/cd. They gave me the run around, told me to go to a branch office, told them my husband is 89 years old and that would be difficult. So finally after much hassle they said they would send me a form. Well now is is december 4, and no form. So today went in to a branch office, and seems like we can't get the money from the branch because the ira/cd was opened on line. This absolutely ridiculous I have filed a complaint with the fdc. I hope that causes your log of trouble.

I want to make an complaint about the service I have recieved. On 11/7/2018 my car was repossessed. Earlier that week I spoke with a young lady about me mailing in a payment . The young lady never told me that my account would be unsecured. Once the car was taken I spoke with Kim in the repossessed dept who set up an arrangement for me to get my vehicle back if I paid $1533.75

I tried to open an online CD account with CapitalOne. After following all of their confirmation procedures, Capital One was, after more than a week, unable to transfer the specified amount from my regular bank to the CD account. The representatives couldn't explain why and simply inferred that their computer was confused by the immediate account confirmation and that the transfer was stuck.

I then asked that the CD account be canceled and all of the personal information provided to CapitalOne be deleted from their database. I was informed that CapitalOne would not be able to delete my personal data and that they would hold it for five years. I am obviously leery about an incompetent organization holding my personal information for that long a period of time.

I would definitely not recommend CapitalOne to anyone for any financial transaction.

So we were told that as long as we had a credit card with this company for 3 months and made on time payments, we would be immediately approved for a credit limit increase. We have had our credit cards longer than 3 months and ALWAYS pay our full balance off every month. We requested an increase since we were told that we would almost immediately be approved since we have proven to be good customers and pay off our card every cycle. However, they send us a denial? Why turn away and turn down your Great Customers? What kind of customer service is that? Not very good, I have to admit. I used to be a manager, and my customers always got treated fair, and the ones that paid their bills on time or went above and beyond on their bills every time, got what they deserved, Special perks and all. These people need to learn how to do their jobs and treat their actual paying customers the way they should be treated. We really needed this increase to help with the holidays, and we more than deserve it. They need to fix it before they lose out on loyal customers.

The Capital One bank located at 611 Hempstead Tpke West Hempstead, NY 11552 is the worst branch possible. The atms, both drive through and inside, are never working. I dont understand how this is a constant problem. It doesnt help there arent any closer branchs to get money because they closed. There should be someone that stays inside to help people if the atm's decide to not work. Your a bank and if people cant withdraw or deposit money then what is the point of being a customer. I am honestly considering going to another bank.

My wife and I went into the lobby and signed our names. Cassidy ( I believe that's her name) asked what she could help us with. I explained to her that we are not familiar with all of the computer stuff today but was wondering if she could tell us what the interest rate on a CD is. She said there's nothing she could do for us and we need to look online. I have been banking there for over 20 years. We should've never been treated like that. I can take my business elsewhere. I had to get my daughter to help me file this complaint. I'm older and just needed a little assistance. I don't want to be told to go home and look it up for myself. What do you pay her for? This branch is the capital one on hwy 22 in mandeville, la

I have been trying to update my latest phone number in my account for the past 10 days and it was never updated. I tried to call customer care and none of them have any clue of what is the real issue. I am really doubtful about CapitalOne having enough competent people who can serve to their customers.
When I explained my problem, they guess the solution and want me to try for several times. When one solution doesn't work, then they ask us to try another one without being finding what is causing the real problem.

I just tried to apply for a student capital one credit card and was told that I was late on my payments to Capital One in the amount of 107.00. I'm sorry but we do not not under any circumstances have a credit card from Capital One or any other credit card company. Someone else is using our names as their own to be having a good time at our expense.

My name is Olivia and I have been fighting a dispute I submitted with capital one now one month ago for something I am very clearly got ripped off on . Every time I submit something I get someone calling me telling me the other person was wrong and they do not except it and they need something else . I've been doing this for weeks Now, submitting everything they ask for . Now they are telling me my only option left is to return to the sender even though it very clearly states on the letter I received from them the sender does not except returns after three days . I have submitted multiple and multiple documents proving the company is fraudulent, what I got is nothing like what I received and that I have tried to contact them . They are Fumbling around and not helping me, in fact wasiting my time and have made it clear they are not actually trying to get my money back or even on the same page with in the company. I don't know where else to turn. Thank you.

My existing card will no longer work. I was told that it would continue to work until my new card arrived. IT DOES NOT! I called back and was told it was a computer program on your end that was not allowing the existing card to work and that I would not have my new card until possibly a week away from today. That is not acceptable when I have credit on my card and am trying to order parts to run our business. The least you should do is over night the new cards out instead of it being left on me to figure out and told sorry there is nothing you can do. I'll just have to wait for my new card to arrive. That is truly poor customer service. I have wasted at least 2 hours on this issue and it is still not resolved. I feel like you should be able to put my existing card back into your system so I can use it until the new one arrives or over night the new cards out.

Sincerely,

Jennifer Hastings
Hastings Excavating Service

I am behind on car payment and I have called and talked to your customer service over and over. They are rude, they have not helped me at all with a solution. I did have one guy help me and then I got a letter that payment arrangements were cancelled. I am so frustrated with your service. I wish I could take my car loan somewhere else.

Jennifer Slack

Monday October 1st at 10:22am I called Capitol One Quicksilver to ask for a 3 day extension on payment due date. I first spoke with "Chase" and he told me that was an issue that he couldn't handle and that I needed to speak with someone in charge. I asked him again was that a big deal and he said he couldn't handle it . He put me on hold and Adrianne (team lead/supervisor) answered the phone. I asked her the same question and she said that she was unable to do it and that the pay cycle had ended, then she went on to tell me I should change my payment date and I told her NO. I just need a three day extension. She was NOT trying to work with me at all. She told me that I will receive a late fee on my next statement because she could not help me. The phone call was so awful for something so simple my card was turned off! She was the MOST RUDE CSR I HAVE EVER SPOKEN WITH!

I applied for a loan to consolidate my credit cards since I am now on disabled. I went on my computer and found a company who told me I was approved. I gave my banking information to them, my social security number and all my credit card information, codes. I got suspicious when I was told by a Jason Carney that he will be paying the credit cards companies. I said to him you have not shown me anything nor tell me about my payments nor have I signed anything. To make a long story short they paid my capital one account and some of my credit cards and them took back the money and some because I file a complaint with the FTC they stopped the payment. They went in my bank account and take out funds. I contacted capital one and all my credit cards, which were closed and new accounts were opened. Capital one was the only credit card who closed my account permanently after issuing a new card. Why am I being penalized when I did not pay the account them stop payment or whatever these con people did. I have received calls that I purchased Mack note book and shipped it someone in a different state, I have received a call from Target telling me that someone just called them to buy a gift card and it sounded like a man pretending to be a woman, I have received calls from Walmart, Merrick Bank and it continues. I know it my fault giving my information to a company before checking them out and by the way when I did check the company I was told by the person whom answered the phone to go to my bank and close my account because they don't do business in the state of New Jersey. I have filed a complaint with BBB and I want to know why is my account closed.

I made a payment to my sons school for books and fees. I had my Capital One Platinum card on file along with my regular debit card (mastercard) I wasn't paying attention because I've done this many times before and my debit card has always been primary. I finished transaction and was asked for my CCV code, I entered the 3 digits from my Mastercard and hit submit. I then realized the mistake and called customer service immediately to try and fix the issue. The first gentleman I spoke to wasn't very helpful or willing to try and fix the situation. I asked to speak to his supervisor (huge mistake) I was informed by D.Jan from Las Vegas, Nevada. ID# RML468. That the charge was already approved through Capital One. Employee # RML468 informed me that even if incorrect information is entered for the card and the information is for 2 different types of cards (one Visa, the other Mastercard) Capital One WILL approve transaction. I now feel very unsafe using Capital One to pay for anything. If you will approve a transaction with the wrong information entered how do I know my identity is safe with you? Do I just believe what your employees say about card holders safety? Employee # RML468 advised me to just call back and use my debit card (mastercard) to make another duplicate payment so that the funds would be available on my Capital One credit card. I dont understand why I have to now make a double payment to fix a mistake that your company approved. I wasnt allowed to cancel the transaction, and because I had technically "approved " the transaction by hitting the pay now button I was now responsible for any fees if the school didnt accept the payment. I was told I was not allowed to speak with his supervisor, he told me he didnt have a supervisor, that there was nobody above him. So, does that mean he is the CEO of Capital One? He is the highest in power according to him.
I now am contemplating canceling this card completely and ending all business ties with your company. I do not feel that my identity is safe with Capital One, I now will have to be constantly monitoring any and all transactions with my credit card, I will have to do constant credit checks to make sure my card is safe. I do not believe anything that is said about my safety with your company, I'm told I will never be held responsible for any fees if my card is used on unauthorized purchases. I really believe that this needs to be investigated more, that Employee # RML468 needs to be interviewed and my recorded phone conversation with him listened to. This is why I record phone calls when I'm dealing with disputes, but I was forced to stop recording my conversation with him, and out of my better judgement and trust for your company I did. He was still able to record the entire thing though. Why is that? Why can your company have extra protection, but your customers cannot. I never read or heard on any of your policies or rules that I'm not allowed to record disputes with my credit card. Please feel free to send me a link on where I can read that rule. It's not on your recording when you call customer service. The only thing I heard was that "This call is recorded for quality and training purposes " on your end.
This is a serious matter and I hope this will be taken care of. I will file a complaint with the Better Business Bureau if this isn't looked into, and if I'm held responsible for any fees through my sons school or through your company.
Thank you for your time,
Shannon Casaday
[protected]@yahoo.com
[protected]

I got a Quick Silver card to get rewards for the purchases I was making at work. I spent $ and paid it back with swift efficiency. They locked my card so I called in and got the lock lifted after 1 week of use. After a second week of use they locked my card again (even though I had paid the balance well in advance of due date) and this time they had to have my photo ID to remove the lock. When they sent me the link to send in my photo ID it didn't work. So they emailed me this link. This also didn't work. After my 3rd phone call with them I was fed up and no longer wanted my card. So I cancelled it. And moments (literally within 30 seconds) I asked, so what can I do with my rewards? The answer: oh those are gone since you just closed the account. So 30 seconds earlier I had $227 in rewards, and now I have none.

If it was worth my time I would take this farther than a complaint.

When signing on to Capital One's website to pay our credit card bill I found that our account was "locked". I called in and were told that they could not give me any information until we proved we were us. They asked me the verification questions, which I answered correctly but then said I needed to send in a copy of my driver's license which I did. I called back in and was then told I had to send in a copy of my Social Security Card and a household bill. After all this, they finally unlocked the account but when I called in, they could only tell me that there was a "suspicious call" on our account. The manager in Fraud Account Management, Brittany emp #QTI400, could not give me any information. Additionally, she would not allow me to close the account and open anther account. In all, this took over two (2) weeks to resolve. We have other credit cards and will be closing this account but Capital One's behavior is absurd and abhorrent.

This incident happen 9/17/2018 around a little after 9.00am eastern standard time at the Good Hope Market Place Branch 2831 Alabama Ave SE, Washington, DC, An employee who is a manager there, am sorry I did not get her name but she is an older African American woman who is a manager there about in her fifties she did not want to help me at all, I told her I lost my wallet she asked me for ID, I gave her an ID but it was expired, I told her my wallet is lost but I did give her something, she did not want to help me at all so I call Capital One replace Card and they said they will be sending me a new one in about 3 to 5 business day, the woman that I talked with on the phone told me that the Bank employee just could have asked for my PIN and that would have resolved all problems, I believe this manager was treating me with disrespect and she should be disciplined, she was just arrogant and self centered and did not care about my problems even after I told her I lost my wallet, I was only trying to protect my Acct from somebody not using it

On Mon. Sept. 10 2018 I rec'd an email from Capitol One saying my address change had been successful. I did not change my address so I called and was told someone out of Woodville, TX had called saying they were me and requested a new card be sent. It was on it's way. The Fraud Dept told me they were going to investigate this and assured me the card sent could not be activated. I then rec'd an email from Fed Ex on Sept. 10th saying my new card was being sent.

Today is Friday Sept. 14th and my new card still had not been delivered so I again called Capitol One's Fraud Dept. I was initially told by the phone Rep I needed to wait a few more days. I then told her I had rec'd an email from Fed Ex stating the card had been delivered Sept 11th! Where did it go?! She told me she couldn't give me that information but, again assured me the card would be deactivated again and had been sent to the wrong address! Unreal! I asked her if it had been sent to this party in Woodville, TX who had been trying to steal my identity. She stated, "I assure you the card didn't go to Texas."

After hanging up with your Rep I contacted Fed Ex tracking who told me the new card had indeed been delivered to Woodville, TX!
First of all, how did this happen, not once, but twice with your company in a weeks time? Even after reporting it! And then to have this Rep initially blow it off saying I needed to wait a few more days for my card without checking. It was only after I persisted to find out where it went did she check and found out it went to the wrong address! And, then lie to me! I have NEVER had such a breech of security on any other credit card I've ever owned. This is highly unacceptable!

My email address is [protected]@aol.com

Paula R. Baker

Contacted customer service re:late fee of $27 for 7/07 and 7/08 is when my $27 pymt posted. Due to holiday, late fee was waived, deducting that I sent in the $16 pymt due for Aug. My new bill due 9/11 has a $37 late fee. I contacted customer service as I could not understand, Aug pymt was posted the 5th. I now have an $80 pymt due in Sept I was told amounts were added to my balance and to pay it and then in Oct it would be less. I advised him that is very questionable legally, I wasn't late, a previous late fee was waived and I changed due date to later as well I intend to pursue legalities through the Better Business Bureau if this issue doesn't meet with resolve through you. I thank you [protected]@juno.[protected]@5:30pm, 8/26/2018