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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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12:55 pm EDT
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Capital One about an apr of over 28% since 2005.

Since 2015 I haven't been late with payments. I was told by sr. Account supervisor dave (id #nsj797) in the chesepeake, va call center there was nothing that could been done to lower that rate and there was no superior to talk to over him.

I find this to be unacceptable and wonder what's the point of paying on time if you're
Gonna be treated like you don't. I'm confident capital 1 can do better so their clients don't feel like they're being robbed which is how i'm currently feeling. I'm requesting a lower interest rate reflective of my consistency with payments and all the interest they've made off me over the years.

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1:44 pm EDT

Capital One credit card/ having different people have; different stories 07/27/2018

I feel like I need to seek lawyer advise because you guys solved a case for me and now there are people calling me about it will a totally different case number. If you guys are trying to incriminate me or discriminate me that is wrong. I had two people call me today and for a problem I have had since May and thought to be resolved after Jun 26 2018. But he solved it in two mins and claims that he solved a case that was already solved but now has a different number. ARE YOU TRYING TO TRICK ME OR WHAT? IF I COULD CLOSE MY ACCOUNTS I WOULD. I want to know why I have different case numbers for the same one that was in my mind solved. I want proof of what your employee is talking about. SEEM LIKE A SCAM LIKE WELLS FARGO BS. One employee says he saw all of my documents and sees everything, and understands why and the second employee after calling back says he does not see any of my documents or files and that it was a charge too a room of some sort with no prove. What is going on I want someone like a supervisor to call me asap.

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5:10 pm EDT
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Capital One latest mobile banking app update

I have accounts with Capital One Bank for several years and have had mobile banking app downloaded on to Tracfone and received working app updates successfully until the most recent app which I canno download because it says "version not compatible with phone". I am disabled and live in Morgantown, West Virginia with NO branches! The mobile banking app needs to be fixed IMMEDIATELY! If not, I will take my banking business elsewhere!

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2:45 am EDT
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Capital One service over the phone - very rude and unprofessional

I spoke with one of representatives over the phone, he was very rood. His tone was like I own him a million. They have to learn from chase bank. I have chase business account, I opened new checking account with capital one because only for their app. Capital one spending a lot of money for advertising to get more customers but this kind of representatives like marcus how they are talking with customers - bank loosing customers and getting very bad reviews and reputation going down. He didn't tell me his last name when I asked him, he said marcus and he said you can talk to my supervisor if you want or to any one - I don't care. Look at how bank talking to the customers, special with new customer. Now i'll tell to all my friends to do not open an account with capital one. Also he transferred call to his supervisor, her name was ashley. I told her to make note and this kind of employee shouldn't work in any banks. Need fire him! So shame on the bank and owners spending money (billions) for nothing for advertising because this kind of representatives. Thanks

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2:56 pm EDT

Capital One banking service

Bank at Lufkin Texas branch. Made deposit today observing a long line with Drive-thru so opiated to go inside. Found out there was one teller working both outside and inside on Friday with other ladies taking or offering info nobody could care less. Also noticed several ladies conversing in offices. This is not the first time with problems but it will be the last. To run a business that way you might as well lock the door. And why in the world do I need to show ID to deposit money?

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9:08 am EDT

Capital One quicksilver credit card

My payments are due on the 14th of the month. I send my checks out on the 3rd of the month. My checking account was hacked in December. My bank called told them to run their check again it would be honored: they never did. 12/8 returned pyt $30. 12/14 $25 past due fee. 1/10 pyt. 1/15 $35 past due fee. Told to pay $84.82 no explanation why I said send in $38.27. $35 fees charged. 2/15 paid. (seriously wait one day past due date to post payment). 2/14 $35 past due fee. Told to pay $87.82 no explanation why. Fees Charged $35 Again $78.95 no explanation why. In April I called and asked to speak to someone to get this account straighten out. The woman referred me to someone else. She wanted me to go on some kind of program I told her No I just want to straighten out my account tell me what I owe and I'll send a PAID IN FULL check on May 3rd. She told me she would waive the fees and I owed $203.73. On May 4th payment of $203.73 was posted. Got a notice in June saying I still owe them $159.29. Filed a complaint with Consumer Financial Protection Bureau in May. On 6-20 Clinton called left a message I called back he wasn't available and never received another call. Next they send me a copy of all my statements showing what I already knew. Strangely though no one shows a record of me talking to the woman in April about paying off the account. (Gee maybe because the woman never entered the data in the first place or deleted it to protect her job). Yet stated I did agree to some program which I told the woman I was NOT interested in I just wanted to pay this account off and be done with it. Now they are saying I owe then over $187.00 for July.

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6:13 pm EDT
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Capital One capital one 360 kids saving

I have been a customer for over a decade (joined through ING direct). I decided to open my son a MONEY account to teach him about money at a very early age. It was perfect. Now that he is 16, he has had the account for several years now. On June 20, 2018, his account has been restricted. I woke up and checked his account and noticed 2 deposits for over $900. I called Capital One fraud immediately. It appears that the deposits were mobile deposits, but the checks came from what appears to be a fake company out of Loveland, CO. The signature on the checks were signed with someone's penmanship.

What bothers me is that I had to look up all this information on my own. Capital One's investigation went as far as someone stating that my son MUST have giving someone his phone and/or sign in info. "it's not possible for this to be hacked". Today is July 13th and the company's only decision was to end their relationship with my son's account. I followed up several times and got the same response.

The response is unacceptable! I would like to know the following:

*Did anyone look up the IP address on the phone that was used to deposit the checks?
*Why are the checks showing in his account as cashed?
*Who at MAYATEK made the deposit?
*Was this compared to his history of deposits? Does it seem odd?
*Should I move all four of my accounts due to this incident?
*Is this something I should present to Michael Johnson (CISO Capital One Financial, Washington DC?

Desired resolution: We've had his account open for several years now, I'd like for the bank to stop payment on the checks, close that particular account and open another. It's especially critical now that he can work full time. For sake, HE WAS HACKED! Why is he being punished?

I'm really trying to avoid going to social media, so please help.

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Update by kat!
Jul 13, 2018 6:15 pm EDT

Mayatek, Inc in Loveland, CO cashed the checks into my son's account.

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10:36 am EDT
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Capital One credit card service

I had applied for a loan to consultative my credit card bills. So I provided the company advance America with all my personal information. I was faxed a letter on a letterhead (copy can be faxed) explaining interest rate.
I have 10 pages of text regarding paying my credit cards off. They started pay my credit cards and I called and said why are you paying these bills and I did not sign anything, I was told this is how they do business. The weekend of 6/9/18, I got a call from Target saying if I had just called, I said no, because I am at my mother's anniversary of her death so, I asked if I can call back. The I got a call from Merrick Bank if I had purchased a airline ticket I said no, so they transferred me to the fraud department.
I started looking for the stuff they had texted me and called the Advance America company. To my surprised the young lady I spoked to told me they are not licensed to do business in New Jersey. She further stated for me to call my bank and close my account and to call the FTC and file a complaint, which I did both the same day. Then I started calling my credit cards company to advise them of my problem. Then I found out they paid and then pull the payment out. Some they purchased a card, I was scammed and I can't believe I was stupid to believe them. Recently I received a text from Apple that I purchased a MacBook for 1900.00 ( I have a copy of text). I have called the three credit companies and I will be flagged if anyone checked my credit.
I have been flagged once.
I am on disability and I would not have 2300.00 to pay capital one, so after calling and explaining what had happened and the account was closed and a new one sent to me, I found out From a customer service representative that the account is closed because of what I did with the payment. I don't have that amount of money to pay any bill, but I did pay amount that's due every month.
I spoke to my niece who's an attorney and she told I should not be penalize for something someone did, and she advise to file a complaint with the B.B. and another with FTC, which I will be doing today also.

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11:59 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Capital One late fee credit card

I am writing because I am beyond pissed off with Capital One! I made a payment on July 2 @1 am which processed the next day. My due date is July 2 so I thought I was ok. Next thing I knew I was given a $38.00 late fee on a $55.00 payment. This is BEYOND ridiculous! Not only do I have/had credit cards with Capital One, my car is also financed through Capital One. I am thinking about canceling everything and spreading the negative word about Capital One if this late fee is not waived!

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NONE!

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8:30 am EDT

Capital One I am complaining about my capitalone secured credit card accounthre:[protected]

I applied for and was accepted for Capital One credit card. I did everything that was required of me including sending the money switch you required to open my account. Then I had to go to the post office to pick up some form or something. I recently lost my wallet which contain all of my ID when I went to the post office they wouldn't give me whatever you sent because I didn't have proper ID. I forwarded the monies that you requested to open this account and you received them. Is my opinion that the card should have just been sent to me as you have the money he required I don't know why I had to go to the post office to pick something up or whatever. I met all the requirements that you requested and so I don't see why the card could not have just been forwarded to me I am requesting to have my account reinstated and the Capital One card sent directly to me and my address on Lorne Avenue I don't see why it wasn't sent to me anyways because I sent you the money as you want I did everything that I had to do and unfortunately then I lost all my ID. I don't understand why you would nots end that card to me once you receive my money's. no one is going to put money on account if it's not theirs so I'm asking you to forward my card as soon as possible . I'm looking forward to having a long relationship with Capital One

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3:12 pm EDT

Capital One capital one travel department

6/22/2018
To whom it may concern:
I have been a loyal customer with capital one for more than ten year and I thought that your company believed in its mission. Capital one states that it helps "people live their best lives." I trust that your company would deliver on these values and I used your credit card as a way to gain travel miles so that I live my "best life". I trusted that I could book my vacations with the points that I earned from money that I spent, but I learned that this is false.
On 2/16/2018, I booked a flight from san diego to denver utilizing my miles and then paying the difference (see attached email).
On 6/8/2018, I took my flight from san diego to denver (as expected), without any difficulties. However, on 6/10/2018, I arrived at the airport in denver to fly back home, and my flight information could not be found in the automated machines operated by frontier airlines. At that point, I waited in line to speak with a representative with frontier; they explained to me that my flight had been changed from 4:45 pm to 8:45 am and that I had missed my flight. I spent over an hour speaking to a manger, with frontier, and was told that frontier had notified capital one (since this was the contact information they had), and that it was capital one's responsibility to notify me. The original flight that I booked on your website never existed. Additionally, I was not notified of any changes pertaining to my trip.
I then called capital one and spoke with the travel department. From the beginning, the supervisor on the phone was not accommodating and did not take any responsibility for the mistake your company had made. The supervisor insisted that capital one had left me a voicemail on 3/1/2018 that explained that my flight had been changed. I have visual voicemail and all of my messages are saved; this call was never made to me, and I was never notified. An email was not even sent with any new flight information and nothing was confirmed with me. I explained this to the supervisor, several times, that I needed a way back home to los angeles, as my fiancé was recently diagnosed with cancer, and his caregiver would not be available the following day. The travel supervisor did not accommodate me in any way, and was not even capable to display empathy. Despite requesting assistance several times, your company refused to acknowledge any sort of mistake, and would not even book my flight back home.
On 6/10/2018, I ended up having to pay, almost $400 (out of pocked) for a flight back home to san diego - (see attached email). It is outrageous that I ended up spending this money. If I had booked this flight through south west in february it would have cost me less than what I spent to use my miles and then pay this out of pocket.
On 6/11/2018, when I returned home, I called capital one, and once again was placed on hold for over an hour, before speaking to a supervisor from your travel department. Once again, your travel department supervisor refused to listen and insisted that capital one had notified me about the change of flight. Again, nobody called me or even sent a confirmation email, and this is simply not true. This travel supervisor explained that he would transfer me to another supervisor in service who had more information regarding automated voicemails. I was then transferred to an agent that stated that his name was lee and that his employee id was "al." I had a feeling this information was not correct and asked for verification several times, but he stated that this was the correct information. It was evident that "lee" wanted to get off the phone with me; he asked me what I wanted. I told him that I was requesting a statement credit of $400 to reimburse the money that I spent on my southwest flight. He quickly stated that he would do this and that it would take two billing cycles to see this reflected on my bill, and he then got off the phone.
Several days later, I started to feel like this statement credit would probably not happen. On 6/19/2018, I called customer service, again. I was transferred from one department to the next, (first I spoke with brittany / agent # bsj382) and finally spoke with corey from the travel department). When I did this, I immediately realized that I had been lied to. "lee" had provided me a fake agent id number and incorrect information. On my account, there was no information about a $400 credit for the flight that I paid for. Corey was rude, refused to listen to me, and just once again stated that I was wrong and that capital one was reimbursing me my mileage and the original $139 I had spent on the flight to denver. Although this is a good, first step, corey did not acknowledge anything I said and refused to listen. The $139 does not cover the $400 I was forced to pay to get back home. Additionally, nobody addressed the fact that an employee had falsely identified himself and flat out lied to me about a statement credit. Please note, as of 6/22/2018, I have not received any credit to my account including the air miles.

This entire experience has been time consuming and expensive. I am outraged that capital one has refused to acknowledge any responsibility. It could have easily been resolved on 6/10/2018. Your company has an abundance of resources and could have simply booked and paid for me to get on another flight. There is no excuse. This treatment is simply unacceptable and does not reflect the goals and mission that you state you hold. While speaking to several supervisors, I found that they consistently provided poor customer service; your managers lack training, empathy, and misrepresent themselves fraudulently. This treatment is unethical and requires immediate attention. I am requesting that the money that I spent to pay for my flight back home is reimbursed - in full, since it is your company that failed to provide the service that I paid for.

Sincerely,
[removed]
xxxxxxxxxx @gmail.com

Air confirmation: tm4rk6 confirmation date: 06/10/2018

Passenger(s) rapid rewards # ticket # expiration est. Points earned

[removed] join or add #
[protected] jun 10, 2019 3198

Rapid rewards points earned are only estimates. Not a member - visit southwest.com/rapidrewards and sign up today!

Date flight departure/arrival

Sun jun 10 4528 depart denver, co (den) on southwest airlines at 07:45 pm
Arrive in san diego, ca (san) at 09:00 pm
Travel time 2 hrs 15 mins
Anytime

Cost and payment summary

Air - tm4rk6

Base fare $ 319.80
U.S. Transportation tax $ 23.99
U.S. 9/11 security fee $ 5.60
U.S. Flight segment tax $ 4.10
U.S. Passenger facility chg $ 4.50
Total air cost $ 357.99
Payment information
Payment type: discover xxxxxxxxxxxx0145
Date: jun 10, 2018
Payment amount: $357.99

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10:30 am EDT
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Capital One customer service

I have a CD with Capital One. I called your legal department today and asked for a beneficiary form and spoke with Colton Hanson. Mr Hanson stated he would send me "Form 4" via email. I then asked if he would check to see that my wife was on the CD as co-owner. He did not know the answer and put me on hold for about 10 minutes. Someone then came on the phone and asked me how he could help. I couldn't believe it, one hold for 10 minutes and now I have to go through the whole thing again. I was too frustrated to continue the conversation and hung up. I got online and noticed Colton Hanson has sent me an email with an attachment but nowhere could I find the "Form 4" he eluded to. So this is the competent company I parked all my money in? Very scary.
Roland J Webster

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5:46 pm EDT

Capital One card services

I find it quite disturbing and offensive to continuously receive letters several per week from capital one saying that I am pre approved for these cards and I apply only to be denied I acknowledged that my credit history is poor but I am trying to do what I can to fix this problem. I don't feel that these companies should be sending people advertising claiming that you are pre approved for something that in all reality you are not. How is this going to affect my credit history.

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9:42 am EDT
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Capital One capital one personal credit card

Called customer service on 5/29/18 to ask about interest charges in which I did not understand, the first person I spoke with I had a hard time understanding her, I asked to be transferred to someone else which I was. The next lady was very nice and helpful until I was disconnected. I called back and was speaking to a male and explaining the situation when he said well I don't really know because I'm not that good with numbers. That concerned me so I asked to speak to someone higher up. I was transferred to a very rude and unprofessional person named Steve (6652). I was appalled at the way I was treated by Steve ( at this point, Steve was the 4th person that I spoke with and I was already very frustrated).I asked to talk to someone higher than Steve and he said that is not possible I'm the highest you can go. I have been a member of Capital One for approximately for 13 years with good standing with your company. At this point I will be keeping my Capital One account (due to points accumulated) opened but will not be using it due to the incompetent service I received. I will be receiving my new cards from Chase freedom within a week and plan on using them in place of the Capital One card. It's to bad that this situation happened because I was happy and even recommended Capital One to several friends and family members, But the way I was treated by the highest person in customer service as Steve, I can not even fathom dealing with this company. Thank you for your time. Kevin

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9:05 pm EDT

Capital One credit card fraud

I receive a statement from capital one, who I do not have an account with, and have not applied for this credit. The statement it's self looks fake, I called the number, as follows18009557070. It was a call center, out of country, the guy I spoke with was foreign. He had the nerve to ask for my ss#, I used very strong language with him and advised him to cancel any and all fraudulent information on me. I'm not sure what else to do, i've never had this problem before. Please help!

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8:59 pm EDT
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Capital One credit card

Please help resolve the below!

Second Request:

As I am sure you can understand, I am very disappointed by the news that I received today stating that the TWO late entries on my credit report would remain. Taking into account that I disagree with these entries, I have no other choice but to desperately yet rightfully, dispute the negative entries, on the basis of an obvious system error and at this point unreasonable procedures. I respectfully request that Capitol One promptly remove the TWO late payments on my credit report and swiftly submit this info to each Credit Bureau.

As you can see in your records, I am a long-term and loyal customer of Capital One and through no fault of my own, I have TWO late entries marked on my credit report. As I explained, I called in and made these payments. However, because your system has no record, I have to suffer the consequences.

Again: I called in and made the payments as I always do!

In closing, this error has caused me a significant amount of stress and turmoil in multiple areas of my life. I want nothing more than Capitol One to take a loyal customers word and remove the late entries. I simply cannot allow an error that is no fault of my own to destroy my life!

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1:55 pm EDT
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Capital One loan for volkswagen

I purchased a Volkswagon Tourag from Auto Brokers in Cobb County, Georgia. The car is financed through Capital One Auto. The car is a lemon. I have had to put so much money into this car and it's still giving me problems. I contacted Capital One to ask for options for payments or trading the car in. I was placed on a hardship program and was making payments. Capital One still marked my credit as late (messed up my credit). Also, I purchased this car in 2012 for $16, 000. According to them, I still owe $6, 600. Unbelievable! This is a rip off. I'd like to be reimbursed and to have the late pays taken off of my credit report...Immediately!

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11:13 pm EDT
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Capital One checking account

I made a cash deposit into the Capital One ATM and the machine malfunctioned and did not provide a receipt. The deposit was for $1, 500 needed to pay my mortgage. Capital One claim that the ATM balanced and has refused to do any other investigation. As a result, I have lost my money. I provided them with proof of where the money originated, description, date, time, etc. Capital One insist that the ATM balanced and that is the extent of their investigation. So I'm left with trying to figure out how to make up for my lost funds. The customer service was the worst for fraud. I was never given a contact until I sent a complaint via BBB. I want to warn customers to do not open an account with Capital one and especially do not make cash deposits to their machines. There are no brick and mortar banks in Central VA so you are forced to use the machines. I think they rely on the machines defaulting so that your money is lost. They have camera's on the ATMs but will only use them for their advantage — not to help the customer.

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5:41 pm EDT

Capital One customer representative verbally agreed to remove lates on my account

It was in the understanding that Capital One would remove my lates if I paid them half of the monies and stay current which I have since this has happened. Now they are going back on there word and not removing the lates. In April 2017 I spoke to a representative and she stated that she would do this since I told her that I wanted to better my credit and fix what was wrong or else I would of just let them close it out. After calling several times each representative stated that she should of never of promised this to me which at the time I had no clue that she could not make this possible. Capital one states that they will not remove it and shows what they say is accurate but according to my on line account I have with them some of the times that I was late they never reported or if I wasn't late they would charge me a late payment.
To Whom It May Concern:
I have been a loyal card member of Capital One for 2 years and couldn't be happier with my decision to join the Capital One Family. You've always offered some of the most competitive rates and rewards programs.
Unfortunately, in November of 2016 I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in April 2017 to find out what I can do to make my relationship better with Capital One and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privilege's for using the card issued again. The amount that she asked for was $427.00 I believe, I paid half the amount and she stated she would remove the late as long as I made good on my on time payments. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with Capital one. I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and Capital One has only fulfilled half of their agreement with me.
In January, when I pulled my credit I noticed that the late payments were still on there so I call on January 22, 2018 and spoke to Rain which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On February 6, 2018 I received a letter from capital one letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with Brittany (which was a manager) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that Rain proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On February 23, 2018 I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the Capital One Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to Ikey. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now.
So this leads me to contacting you through this letter in hopes that you can help me with what I was promised and see that since I have been making good on my half of the verbal agreement. I would have made sure that I received a letter first before doing such an act in paying but I thought that since I am an honest person that she would and your company would be the same. I feel like I have regained your trust and knowing that since this happened I have not been late on any of my payments that I have with Capital One. I urge you to pull the recordings from said conversations with each representative to verify what was promised.
I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are November 2016- March 2017. I paid in full in April when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that Capital One believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.

Regards,

Kenneth Hiscocks
8957 Grand Emerald Ct
Las Vegas, NV 89149

March 14, 2018
To Whom It May Concern:
In response to the document that Capital one wrote to me stating that my account was correct, I have found some issues with the information. I enclosed the original letter where Capital one stated that the information was correct but when I went on my account on line I found other issues and I have enclosed the reports that I have found on my account. The dates that were stated were late was august 30 days, November 30 days, December 60 days, January 90 days, February 120 days, and March 150 days late.
The first proof I have is the 2016 Year end summary. It stats that I was charged late fees for the following months: July, August, October, November, and December. September was cleared up for July and August. October was never reported on my credit so that would make November 30 days and December 60 days. The 2017 year end summary shows no fee was charged for being late in January, February, March and April.
Enclosed is also a paper showing where I paid the April bill that was verbally agreed upon in the amount of @224 which was half the balance due. July 2016 summary shows never late on the credit report but was charged a $25 late charge. September 2016 summary shows I made a payment and that the amount I paid was above the new balance amount that was billed to me. October 2016 summary shows the balance is different from the September 2016. I made a payment in September so I do not understand why I was charged a late fee from the month before. November 2016 summary should be 30 days late and was charged a late fee of $35 not the regular $25. December 2016 summary should be 60 days late and was charged $35, the account was then suspended. January 2017 summary shows that no late payment was issued and the account shows suspended. I believe that if in order for Capital one to report this as being late they should charge me the late fee which they did not for this month. February 2017 summary shows that the account is restricted which I do not understand since it went from suspended to restricted and this month I was not issued the late fee again. I do not understand how Capital one can report late payments to the credit bureaus if they do not charge me a late amount. March 2017 summary shows no late charge, balance is different and it is still restricted. April 2017 summary shows the amount I promised to pay verbally and no restrictions on my card. May 2017 summary shows payments have been made on time, which was agreed upon verbally with the customer service representative. As to this day I have not been late and have made my payments in a timely matter.
I do not understand how Capital one can support these findings since it clearly shows that they sometimes charged me for late fees, sometimes didn't, and also sometimes didn't report me for being late to the credit bureaus. Capital one made my account show suspended then after still not paying switched it to restricted. I owned up to what I did wrong I just hope that Capital one will own up to their representative making me a verbal agreement and remove all the lates off my account. I have showed several documents that are attached that Capital one doesn't report accurate items to credit bureaus.

Please look into this farther and see that I held up on my part of the verbal agreement and Capital one has not and they have different information then I do in my files.

Thank you for your time.

Kenneth Hiscocks

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Capital One branch banking

For about a week my local branch has been without ATMs. Imagine in a New York City running to work or running errands not being able to transact because the ATM is out of service. There was no notice of when the problem would be rectified or a reason. I found out today, 1/24/2018 that it not have ATM service until this weekend. That is unacceptable as is. A day or two is convenient but manageable. Not nearly 10 days. And, to make matters worse the service within the branch is poor. I would think that the manager would have the common sense to open the branch a little earlier to accommodate the commuters going to work but no she did not. Then to find her still holding a staff meeting after 9vam when there is a line of customer waiting to conduct business they would have been able to do if the ATMs were operational is ridiculous. Someone should be held accountable. Keep your customers informed. At the very least knowing how long ATM service would be out would have been nice. Good customer service would have been to extend branch hours by 1/2 hour in the morning to accommodate the community. Great customer service would have been doing all that and having extra tellers to manage the morning rush.

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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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Phone numbers

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

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