Capital One
reviews and complaints

Dear Sir / Madam,

I am writing to you to raise an issue about: Credit Card

The issue that I have experienced was: Called in to capital one again after several weeks and no credit card in the mail. They have my correct address and that was verified. Representative told me she can just send another and I can wait another 6 business days and call back if i dont get the third card, and they will do it again. I asked to speak to her supervisor, he gave me same answer. And told me that he was the highest person in capital one i could speak to. His name was Won, employee # ors382. I spoke to them on a recorded line at 4:30pm central standard time on 8/24/18. I am able to receive mail for advertisements and correspondance for my other capital one card, but can not receive my new card, this seems silly.

It occurred on: 24/08/2018

I want my card sent in overnight mail, and I want to know if employee Won is the highest person I can speak to at capital one, or if capital one´s employee lied to me. I also want to know if I dont receive my new card AGAIN, then do they really give me the same answer a 4th time? Last, I want my phone call recording on 8/24/18 heard by WON´s boss ( that per Won, doesnt take phone calls) and sent to me incase I need to proceed further into the issue.

I look forward to your prompt response on this matter. As recommended by Trading Standards, I would like to keep a complete record of my case, so please reply back via this email account.

Yours faithfully,

Brittany Langley

Last four digits of credit card 0816

8406 E Harry St, Apt 111
Wichita Kansas
67207

My name is Gary Stone and I opened an account and funded it with $200 through my Amex Serve account.
The deposit was made and the debit card sent to my verified address. When I tried to activate it, I could not. I called and was told that I did not have access to my money as I was not verified with IRS. I told him that I am not an American taxpayer but you can verify with Experian or Transunion etc.

I have Ally Bank, America First etc...You are stealing my money and my rights.

My statement email is [protected]@euradaprint.com

Capital One

card
[protected]/22 4704

So, I got 2 small credit cards to use and build my credit. I down loaded the app also, so I could easily manage my accounts. 3 times now, capital one has tried to take out a full balance from my checking account and said that I had personally set that up. I have NEVER set this function up. The have now cancelled both my cards due to missed/returned payments and have left me right in the [censored] with ZERO warnings at all. Never once sent a notification of issues OR intent to close. Seriously pissed off with this [censored]ing creditor. HIGHLY RECOMMEND PEOPLE TO STAY CLEAR OF THEM.

I got a $25 late fee that was my fault because I was out of town and missed the due date. Apparently this was my first one bc the usual late fee is $38, and I called to see if they would waive it and Brent, the rep that I got, told me "the system won't allow me." I asked if as a human he had the discretion to waive it and he said no and transferred me to Keisha who is a senior acct rep. She told me "the offer wasn't there and that she can't override the system." OFFER?! An offer is for a loan or a balance transfer or a low interest rate - not to have a fee waived. I let her know that I've been in the customer service industry for 21 years and that I can not believe that after being a card holder for 18 years, that I'm very disappointed that "she couldn't accommodate me." I will no longer use this card after paying off my balance and will never recommend this card to anyone. The lack of empathy and ATTEMPT to even help was so evident and pathetic. This crap of having the computer or "system" determine things in life is B.S. and people need to step up to the plate and make a decision. I sure have in my 21 years in the business.

I have two credit accounts with you, my payments are due so I went in you Westhiemer Branch in Katy Texas today to open a checking account so that I had better access to paying my bills with you while traveling. I was the only person in the bank and yet I still waited over 30 minutes for the employees to help me finalize the transaction. They stood around visiting and then a lunch rush of customers came in they left me standing waiting. Not even a word of acknowledgement. Needless to say the account did not get open and none of my bills got paid. I commuted a length to this branch and then to another branch where the lady made excuses and wanted me to go back to the same branch just to speak to a manager. I have never been so compelled to complain about such a matter, but I have spent the entire year building my credit and working with your institution to not only do that but to keep it simple and easy. I am so upset that I am ready to just open another bank account and refinance everything back to another lender. You can review the security surveillance and see how your employees behaved toward me, 8/6/2018. I have received better service in third world countries. The branch I am referring to is located at 23910 Westheimer Pkwy. Katy Texas 77494, Branch Manager is Trena Ellerbe. I have not spoken with her and chose this branch because in the past I received excellent service for a verification issue I had. Up til now I have had excellent service at both the branches I have gone to, here in Texas.

I tried to log into my 360 account August 2nd only to realize that Capital One no longer gives the option for email verification! This is a huge problem for me because I no longer live in the USA and the company does not accept non US phone numbers. This should not be a big deal because I had the same issue with Wells Fargo but when I called Customer service at Wells Fargo 1: a person (not an automated system) answers the phone and 2. they are able to verify my identity over the phone and give me access to my account. Sadly this is not the case with Capital One! My experience trying to resolve the issue Aug 4th --took 2 hours of holding/waiting on the phone:
1. The automated system does not work. The phone system did not recognize my debit card/pin number and I kept going around in circles trying to get a representative on the line since the automated system was not working for me.
2. Finally got a representative who was rude and unprofessional and didn't even pretend to offer a solution.
3. Tried to call back again to speak with someone else. Finally was able to speak to someone in the technical support dept., which took over 1 hour of automated system run around and a long wait time for technical support. At least this person was helpful in offering a temporary solution and confirmed that the company has removed the email verification option and also confirmed that I was entering the correct pin but the system is not working.
4. I am not in the US and as a result of the incompetence, inefficiency and general bad customer support I have incurred over 200 euros of telephone charges (in one evening) and I am now blocked by my cell phone provider from making additional phone calls until the next billing cycle and I am travelling!

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.

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.

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!

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

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?

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.

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.

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.

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!

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

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

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

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.

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