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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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12:04 pm EDT
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Capital One outrageous rates

Capital One and their rates are outrageoulsy high. Yes I was late on my payments, but the past due was more than half of my mortgage and I was still under my credit limit! They would not work with me in any way for a reasonable payment plan that I could afford. They also called 2-3 times after I made payment arrangements.

If they are calling your job send a letter in writing (Cease & Desist) for them to contact you by mail only!that last thing anyone wants is collection calls at work which puts your business out there.

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8:42 pm EDT
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Capital One illegal fraudulent billing

To make a long story. I've been a customer for years and have two accounts with them. Each month I would send one check payment for both of my accounts. On my check I would include both acct# numbers, and the dollar# amount for each account. I would also, include both payment slips indicating how to apply my payment.

Well in, January of 2009 Capital One applied my check payment to just one of my accounts, not only that they applied my check as a digital payment. Which means the bank does not receive a copy of the front and back of your check. So the account where my payment was not posted to I got a late fee-of $40.00 month after month. I of course tried calling to explain what happened and that my payment was missapplied without success. To date I have been billed illegally $488.00 in late fees since Feb of 2009. Before then, my account was in good standing and current.Not to mention all the payments I have made the last year have not been applied to my balance, but to late fees in which I still getting every month to date on 3-29-10. Not to mention affecting my credit, higher intrest rates.

I thought, that one could only receive 4 or 5 late fee charges for the same occurence anyway? Capital One has charged 12 late fee charges for the same occurrence?

I continued making my regular monthly $40.00 payments- but Capital One did not apply my payments to my balance-but to my late fees, which I'm still accruing every month. I've tried calling to get resolved with no success until I ended up having to file a complaint with the (Comptroller of The Currency)in Aug 2009, which is suppose to be the Watchdog for consumer with Bank Credit Card Complaints.

Truthfully, (Comptroller of The Currency) have not been much help either, they automatically except the word of the rich Capital One Bank without reviewing the proof I had provided. I'm currently in an appeal status, we'll see what happens.

Today, I received a letter from Capital One offering to give a partial credit $390.00 on my account. Stating, I still owe $151.00 dollars in late fees.I donot accept their offer.

I donot accept to pay what I donot owe-not to mention the $480.00 worth of payments I made within the last year not being applied to my balance. Not to mention my credit being scarred. Not to mention, my intrest rate they jumped from 14.99% to 22.99.

See my partial reply to Capital One Bank:###############

How many other people have you done this too?

I notice in your reply-that you ignored my request for a copy of the Front & back of my paid check#4859, why? Because as I stated previously it will show how I requested my payments to be applied. Payments for acct #624 for $20.00 & #693 for $26.00 was missapplied to only acct#624.

And as you mentioned #624 payment slip shows a payment amount of $20.00, and on that same slip #693 for $26.00 was written. You use the excuse, that because you LIE and state there was no payment slip for #693, that justifies you applying the full amount to #624.

I have had these two accounts for years and have paid the same way with two payment slips. There was a second payment slip for #693 which shows $26.00 on that same payment slip acct #624 for $20.00, which matches what is listed on the check.

But say, if it was true, which is not. That is absolutely no excuse for applying my payments to one account, when that payment slip tells you in writing how to apply my payment to the two separate accounts. And list on the payment slip the other account and the dollar to apply payment. Not to mention my check, that it's also in writing tells you how to apply my two payments on both accounts, not just one account.

WHAT YOU ARE DOING IS CRIMINAL- That you would continued to illegally bill me going on a year for late fees, when you have proof of my payment being received and on time. You refuse to admit you made a mistake and correct it! WELL, I REFUSE TO PAY MORE THAN I OWE AND I WILL FIGHT TO THE END. That means contacting and making complaints BBB, News Blogs, Consumer Agencies and spreading the word about your illegal billing practices!
##############

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marie71
East Stroudsburg, US
Jun 03, 2016 8:34 am EDT
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It started in 2004, my husband passed away and I knew I wouldn't be able to keep capital one credit cards. I asked for it to be closed and I would pay the balance. ALL HELL BROKE LOOSE! Percentage rate changed to 24% from 12%. Fees began to be added to my account. I cut the cards up and sent them back. Then the percentage went to 29%...more fees. I called, I wrote and the more I communicated with them, the more was added to my account. I stopped paying them. Then Patenaude & Felix, a law firm and Gregg Morris began calling 7 to 12 times a day with threats. I offered to pay a monthly amount, he laughed and continued to threaten me. Then they sued me. I fought them as by now I was only receiving social security and couldn't afford an attorney. It is now 2013 and now they are trying to garnish my bank account which has 11 cents in it. It has been 9 years of harassment. I don't know what else to do. It seems only lawyers seem to be able to break ALL LAWS with no punishment attached. Marie71

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marie71
East Stroudsburg, US
Apr 10, 2013 2:14 pm EDT
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I have had similar done to me by Capital One and they will not comply with the "Fair Credit Reporting Act". They seem to get away with whatever they want to do. I have been harassed for 9 years. I have to fight them as I cannot afford an attorney. I am now on social security only. This last law suit against me, they lost. But they are trying now to garnish my bank account. Their law firm is Patenaude & Felix and Greg Morris, Esq. If I tell you they are "BAD" I am not kidding. 2004 to 2013 and the harassment is vulgar and bad AND they are "BREAKING THE LAW" and getting away with it. Marie 71

Always be alert
Always be alert
, US
Jun 03, 2016 8:34 am EDT
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I'm very sorry for what you've been going through with this. There are people who can help. If you go to the website for the National Association for Consumer Advocates (www.naca.net). They specialize in dealing with debt collectors. On the site, you can search for attorneys in your area who are members of the NACA. Contact one in your area (most have a free consultation). They may be able to help. Best of Luck!

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4:38 pm EDT
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Capital One - billing and customer service

I have been a Capital One Auto Finance customer since 2003. I recently purchased a second vehicle in 2008. I experienced some financial distress and signed up for their Car Pay Catch Up Plan. I was told that if I signed up for the plan my account would be caught up and no negative information would be reported to the credit bureau. This was a lie. They...

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7:17 am EDT
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Capital One deceptive and dishonest

Capital One didn't send notice of rate increase. When I received statement with increase notice, they wouldn't let me opt out - too late. When I called this February to find out why the disclosure notice wasn't on the statement, they said it would be on the next one. They also told me that if I pay just the minimum payment, the payoff time was "never". Then miraculously my credit card was cancelled. I called to find out why - they said I called and cancelled it. I did not, but they refused to admit it or fix it.

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11:16 am EDT
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Capital One bad customer service/false information

Unfortunately this company has me backed into a corner. I am trying to build up my credit and have been struggling to increase this limit for over a year and a half. I have had the privilege of dealing with the most rude people ever. The information is never consistent. First of all they say they are not doing credit limit increases due to the economy and then over the last few months they tell me they are now reviewing accounts for increases. Today March 23, 2010 they tell me they are not doing increases. If I had any other company I could deal with presently I would but I don't. I am not asking for a million dollars, I am asking for a small increase and I do not appreciate being treated like garbage and feeling unappreciated as a customer. Can you please help me. I want an increase to 750.00-1000.00 which is only an additional 450.00 - 600.00.

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Capital One - prepaid card

I recently started to use Capital Onecard prepaid as a secondary source for my paycheck direct deposit, since I get paid on Friday and my bank wachovia does engage in the practice stacking your debits, thus I was incurring overdraft charges. the first time I used the Capital one card was Friday payday, and i made two purchases. By around 7 pm that night, my...

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6:33 pm EST
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Capital One right hnd doesn't know what the left is doing

Things have been a mess since I refinanced with Capital One Auto Finance.

The first problem was when I received a phone call from them when I first sent my application.They advised me that I needed to send them a copy of my car title to complete the loan. I explained that my current loaner had the loan. The gentleman informed me that they did not have it and in MD the buyer holds the title.

So, trying to keep things on track I went to the time and expense to obtain a copy of the title.I get a friend to fax it to them upon their insistence. A week or so later I get a call questioning when I was going to send them the title that I had faxed(with a confirmation that it was received).I them mail a copy.Everything was on track.It was a little upsetting when soon as my other car loan was paid I received the title from the loaner that didn't have it.Despite the annoyance I thought everything was now fine.

Several months later out of the blue I received notification that they had never received another piece of documentation that was in my loan packet. In the letter was a threat that if my limited power of attorney document wasn't received my loan would go into default(mind you my loan is paid a few months ahead- and ALL of my paper work was signed and turned in). I wrote back to them(contacting on the phone is impossible)to explain that the document was signed and notarized and returned with my application as instructed.If they would like me to send in another they will need to send me a copy of the document. In this message I also made a complaint as it wasn't the first lost item on their behalf in the short life of the loan. The response to my complaint and request was simply to notify me that they were a third party handling this for Capital One. Then I really got angry. No wonder they can't keep anything straight.I then made my complaint to Capital One (by email once more because the only way you talk to them is if they call you). I never got a response to my complaint or my request for another doc to sign.

Two months later I received a letter to inform that my loan(still a few months ahead in payments) was in foreclosure. The letter also included the document that I requested to take care of the matter 3x and 2mos ago, and a name, phone number, and email for a direct rep handling the account. I called twice and go not call back.I emailed and got no reply. I mailed the new signed doc in but I am so disgusted with Capital One.

Now, I wonder with the type of business they run what will they do with the limited power of attorney that they have been granted?

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1:47 pm EST
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Capital One ridiculous service

I am 40 dollars late on my car payment, which I've been paying ontime for a few years now. There was a mix up and I thought my payment was 210 but I had been paying 230. So for two months I paid 210. They called and I said I would send the 40 in with my next payment which is due 3/20. The are calling me from all different numbers at 8 in the morning and 8 at night, even on Sunday. They call around 5-6 times a day. It is ridiculous. I will never get a loan with them again.

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8:38 am EST
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Capital One overdraft fees

Capital One admitted to pulling the largest amount purchase and purposely placing it at the beginning of the order so that instead of charging me 1 overdraft fee, they could charge me 11 overdraft fees. They would not help me at all nor would the Better Business Bureau. This is a scam and I am still in search on how to file complaints to make them pay me back. DO NOT USE CAPITAL ONE BANK! They are souless frauds that rip people off however necessary.

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BANK DRAMA
North Arlington, US
Mar 24, 2010 2:26 pm EDT

went into the ny branch for a new checking account number because i had to unauthorized charges...
i asked them 16 times...are u suuuuuuure that's the balance in my checking account..a total of $1, 853
they respond yes yes yes...and snotty too i may add.

i write 2 bills out...they call me 6 days later and say get to this branch now, asap!

the branch manager says with this sarcastic look...oh you did not have the funds sorry...so now you've bounced...i said what! i told you i was not secure with that balance..they twisted the whole story around i'm not paying the bounced amount. No i'm calling the head of the branch.

i usually know my balance..but because of the unauthorized deduction i need the representative to do her job and figure it out!

they are careless, rush you out and do no follow through..the online system is awful and is never updated properly.

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8:12 am EST
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Capital One prepaid debit card

I have a prepaid mastercard from Capital One that I utlize for direct deposit of paychecks and other items such as tax refunds. Unable to access account i contacted customer service at which time I was told my account had been locked pending identification verification. I was told I needed to fax a copy of my drivers license and social security card and my acoount would be unlocked within 72 hours. When I asked about my direct deposits were rejected and sent back to their point of origin. Now I am going to have to wait approximately a week for my employer to re-issue a check. In addition whenI contacted the IRS regarding my tax refund I was told due to the fact that the deposited was rejected I would be recieving my tax by mail in 4-6 weeks. All I get from Capital One is "I'm Sorry"

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kl2007@att
Antioch, US
Feb 07, 2013 8:36 am EST

Horrible customer service with no supervision or anyone in Utah that can get anything done. They rejected my tax refund after a supposedly supe informed me by phone and even called me back told me I was ok as not much over the 7500 max load. I was promised a call back from corporate that I never received. I cant wait to cancel as no company should treat their customers this way and never are you to deny a consumer access to their corporate office during an escalation as they have. My thoughts go out to those that are in need of their money and may experience hardship due to these types of issues posted on this forum. I am posting on my busi forum of 4, 000 as well as my facebook page of 3, 000 how they are treating their customers.

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jpherrera101
El Paso, US
Jan 30, 2013 8:44 pm EST

WOW! I wish I would've read this complaints board before I opened up my account. I moved out to phoenix temporarily when I was unemployed hoping to get a job out there, mind you I closed my regular bank account and didn't make a change of address request because I was unsure if I would get the job in phoenix or not. If I got it I would make the change of address. So i signed up for a capital one prepaid back in august. I never got the job and was only in phoenix for no more than 3 weeks. So I came back home. Never used the card. Got a job and everything in el paso and was using another prepaid card but that had limited funds allowed per day for direct deposit, and I had my student financial aid getting refunded, so I checked on the capital one card to see how much they allow per direct deposit and was happy to see they allow $7500. so I switched my info with my school so they could direct deposit the refund to the capital one prepaid...lo and behold...it goes through but when trying to access my card online it says in red "that i need to call customer service"...I called and was informed that my account was frozen due to needing to verify my address. I explained to them that when I first got my card i had just moved to phoenix and was not a tenant but living with a friend until I got a job that I was offered, job fell through and I moved back to el paso. So I had them change my address in their system to show my current address and I sent them a copy of my drivers license, a copy of their stupid prepaid card and two pay check stubs on tuesday. The next day they say it is not sufficient info and still need me to send in my ssn...so I did and even sent in a copy of my birth certificate just to be a jack ###. I call them to see if everything is ok and if they could finally release my account, they tell me no, that they still wanted a utility bill or my vehicle registration that showed my address. After fighting with them and calling them every name in the book, I finally got a manager that told me the truth, they basically wanted proof of address from my phoenix location (which I have nothing to help prove that since I wasn't living there long enough to change my address) and that it would take 3-5 business days to view my info i already sent them. and they don't count the day you send it to them, it takes effect the next day. And he told me it wasn't even a guarantee after those 3-5 business days that my account would be unfrozen because they were still going to need proof of my address in phoenix. Who does that?!?!?! I am proving my current address right now! I sent everything they asked and yet after every call I still felt like none of my questions where answered. All i kept getting was "we're sorry, we completely understand your frustration"...SHUT UP! NO YOU DON"T! how would you like it if you gave ME your $3000 check and I didn't let you access it unless you verified a address that you don't live at anymore and don't have proof of it, but have proof of a new address?!?!?!? I hate when they try to make you feel like they are sorry and doing everything they can, when in reality they could care less about you. Now my rent is due, Im late paying my school which I could get dropped out of because of this. It has been a 3 day nightmare and all could've been avoided had I read this earlier. And why do they wait til they have my money to decide to let me know they are going to freeze my account, wait i take that back, they didn't tell me, i had to find out on my own, luckily i didnt go out and try to purchase anything so i saved the embarrasment their. Luckily i talked to my school and they are going to do a stop check payment and issue me my refund via paper check. If you are thinking about getting this card...DON"T! if you already have this card, DON"T LOAD ANY FUNDS! If you got screwed already by capital one...I FEEL YOUR PAIN!...its not surprising they are "stopping their prepaid accounts" as of march 1st. GOOD RIDDANCE CAPITAL ONE! never again! ugh im so livid

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La-Toya Hamilton
New York, US
Dec 31, 2012 3:22 pm EST
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I too agree strongly with the rest of the cardholders. I get direct deposits from ssi &when I checked, I had a balance of $37. @ first I was like oh they didn.t post the rest of the benefits yet. So I waited until 8:45am then I checked again. I was in awe when the balance was still $37. I called ssi first to see what was going on. The representative I spoke with explained to me that they posted everything today that I would have to call the bank. Called Capital One & they claimed they only received $37 dollars to call ssi.because Capital One only received that amount that it should be posted by 10am. Here it is 3:15pm still no funds. Can someone give me a # to a good bank please because I am serious about getting my $ on time. Thanks

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Parleral
Columbia, US
Jun 11, 2012 7:15 am EDT

This "bank" is extremely foolish! They rejected one of my on going direct deposits because "you can only have 10 loads per month"! Isn't the purpose of a bank is to manage and secure funds? What other bank only permits a certain amount of direct deposits in an allotted period? When I called to speak with a supervisor, I asked her was this information listed in a conspicous location for customer's disclosure. She said "yes"! I asked her where was it, and as she proceeded to tell me where it was on the online page, I advised her that is not conspicous. She then stated, "it is your responsibility to read the disclosures." I am going to withdraw ALL of my money from this account and move forward to an authentic bank that doesn't provide limits on revenue that can be deposited.

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masterkane
Tucson, US
Apr 26, 2012 8:50 pm EDT

I got my check deposited in and it is pending the money is on the card and pending for what i need my hard earned money today not tomorrow. What should i do

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disappointed/angry
, US
Jan 19, 2012 1:04 am EST

Maybe they do not take "us" serious because we are utilizing prepaid services and not a traditional bank. I withdrew my money from a traditional bank to avoid high fees, and trusted my money to this capital one card. They have allowed a voided transaction to still hold as pending on my account, which has placed it in negative status. I am furious! I will not and am not going to let this ride...tired of corporate BS!

upset/disappointed

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ttdelray
, US
Jun 11, 2011 1:01 pm EDT

I had my refund deposited onto this card too for the first time...went to use it once the money finally posted and it declined...Cap One expects for people to go through this when they have been waiting for their Money..wish I read these posts before I had money deposited ...they are CROOKS!

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khanikewl
, US
Mar 28, 2011 4:23 pm EDT

Please do not open an account with Capitol One prepaid card! they are the worse excuse for a company that i have ever had the pleasure to do business with! they will literally steal your money, they are theives...STAY AWAY!

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rrrmo11
Springfield, US
Feb 04, 2011 2:13 pm EST

hhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh

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juan m, gaytan
North Hollywood, US
Feb 03, 2011 10:50 pm EST

i opened a account with them 1 year ago and this what happened to me i got the card week later and i actived the card online and then went to transfer money from my official bank to capital one prepaid card and the amount was 200 dollars and the transfer was succesful then i went to grocery store to buy my stuff so i gave the card to the cashier to find out that the card did not go through so i decided to pay with my regular debit card so as soon i got home i called them just to found out that they locked my account just because they wanted to verify my drivers license and social security number so they told that they wanted me to send a copy of my ssn and my drivers license so i send it and guess what they called me 2 days later to tell me that my ssn did not match with my name and all that so basically this is what happened after all i went to a big process that it took me almost 6 [censor]en moths just to get my money back so please guys dont waist your time with them just go open a bank account with bank of america, chase, wells fargo etc, , ,

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2:17 pm EST
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Capital One payment plans

First of all I am appalled at the employees that work in your call centers at Capital One. Not only do they not listen (or care to), but they are completely unwilling to be helpful or even kind. My understanding of a “Customer Service” Rep was just that – to help customers. Apparently this is not the case at Capital One.

I recently got a 2nd salary cut ON the same day my Capital One raised my interest rate to 22.9%. I had been going thru a hardship for almost 6 months now. I have mortgage that I am trying to modify and now my 2nd salary cut that I am trying to deal with. I have stopped using the card as of Dec 2009.

On March 23rd I spoke with Neele and told her I was unable to pay the minimum payment at such a high rate and would need to discuss a payment plan with someone. I told her I was only able to afford $100 a month. She said that was fine and would adjust the account.

On March 26th I went online to pay and payment was still $195. I called again and spoke with Anna (R4aE015) who wasn’t listening to what I was saying and was robotic in her answers. She said there was nothing she could do and transferred me to an Account Manager

I than spoke with the rudest, unhelpful employee I have ever dealt with, John (PKX791 – he was hesitant to give this to me by the way) who was not listening either. I explained my situation once again and told him I was being proactive and trying to set a payment plan so CP One could get there money. He informed me that if I didn’t make the minimum payment of $195 – EVEN IF I MADE THE EFFORT TO PAY AT LEAST $100 – after 90 days my account would be considered delinquent. I wanted to clarify this with him, because I can’t imagine ANY company not wanting to work something out with a customer WHO was at least trying to pay off her debt. He clarified that there was no point in me making a partial payment, since if I didn’t pay the minimum my account would still be delinquent.

After that, I realized that there was no point in wasting my lunch in talking to someone as unhelpful as John, and that is why I am writing a letter to CP One and the OCC.

I can make $100 payments until the account is paid off. I have been a member of CP One for more than ten years now. At the time with a mortgage and a car payment, I can’t afford anything else. I am trying to do the right thing and pay off my debt, but at now making $20/hr – this is all I can afford at the time. My other credit card Bank of America was more than willing to help me out and put me on a payment plan.

If Capital One refuses to work with me than I don’t know what else to do.

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daytona315
Huntington, US
May 06, 2010 9:54 pm EDT
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I agree. I also owe Capital One and I was over my limit. I am making at least more than the minimum payment each month. I was working in a temp job, which became full time recently and I could only afford a little over the minimum. However, their so called call centers, WHO ARE NOT CALLING IN THE UNITED STATES BUT IN INDIA, kept harrasing me and putting a proverbial gun to my head to force me to make a decision regarding how much to pay and to set me up in an unrealistic payment plan. I have several times hung up on them and threathened them with a call to my attorney general's office, which kept them off my back for a while. Now even with a little over the minimum being paid and I'm still over the limit because of these bs fees, these ### have put me in collections. Plus the collection agency when they called me asked outright after asking if they were talking to me for my DATE OF BIRTH! I don't believe this is right and I told the women twice that I don't believe in giving that information over the phone. She still was able to pull it up. At the moment I am ready to start paying this sucker off and to tell them to go to hell in a handbasket. Their customer service reps in INDIA are disrespectful, inconsiderate and unwilling to help or understand the situations that some of us may have. I worked for a rival financial institution which does not exist anymore for three years and I can tell you this...CAPITAL ONE SUCKS and all of their employees should go back to training for manners and how they treat their customers. That's my two cents.

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Georgia Consumer
Carrollton, US
Mar 14, 2010 11:56 am EDT

I also owe Capital One Bank. I have tried calling them and set up a re-payment plan so that my payments would be lower and all late fees would stop. And th APR would be lower. The other three cerdit cards have agreed to the payment plan. Capiital One will not agree to a payment plan. The people at customer service do not understand and really do not care about the customers. When I do get them paid off and get my other credit cards paid off I am going to close out the accounts and just start using cash. The banks just do not care about their customers any more.

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Capital One overcharging interest

After paying off my balance in full prior to the due date and then paying additionally, aslo prior to tthe due date, when i noticed recent charges that were not included on that month's bill, i received my next bill with an interest charge of $101.00. I called Capital One and spoke to foreign rep whom i could not fully understand and was then given to an English speaking rep who claimed it was Capital One's policy to charge interest until the bill has been paid in full for 2 consecutive months. I then spoke to another foreign rep who tried to explain that it was interest compounded daily but he could not tell me how or why the number was $101.00 or what number it was based off of. I then spoke to an account rep and got no further satifaction or reasonable explanation of how i own interest when i have no balance. I have paid the $101.00 and will be closing the account after being a good standing customer for many years and paying a 17.9% interest rate. Capital One's practices seem unethical to the consumer.

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AndyZ
Mesa, US
Mar 09, 2010 9:14 pm EST

I just ran into similar situation and I believe Capital One over charged my interest.

By the daily rate give by them I came up with a number that is slightly different from what they charged me. Although it appears they only over charged me around 50 cents, I am not going to give up. I am going after them.

Years ago, Citibank had a lawsuit from a customer who claimed Citibank over charged customer by cents. The customer own the law suit and Citibank had to send checks in cents to the customers one by one to refund the over charge.

I am not going to let Capital One get away with this.

We are the tax payers who bailed them out. They can't treat us like this.

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Capital One poor way of doing business

Does Orchard bank or the scammers that are sending me credit card applications to my JUNK MAIL really think I am stupid enough to give my personal information to them? NOT! I have repeatedly asked to have my name removed from their mailing list and they continue to send me phony applications. I am emailing everyone I know about this scam. I advise anyone who has an account with this bank to switch to a bank they can trust. I am going to report this scam to anyone who will listen to me about these emails, such a poor way of doing business.

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Capital One Ripoff

BUYER BEWARE! When you go to a dealership and are financed through Capitol One Auto Finance REFUSE. They are the worst finance company my husband I have ever dealt with. If you are ONE day late they will start calling numerous times a day and leave very threatening messages. They will in no way work with you if you are behind on payments and are very deceiving about their finance charges. We have been making payments on a vehicle for (2) years and our principle balance is more than the day we took out the loan. Their customer service is HORRIBLE and you will never talk to the same person and more than likely if you call them you are actually talking to people in India.

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quintanuba
,
Nov 24, 2008 7:49 pm EST

Capitol One charges interest on a day to day rate. Interest ends up being more than the principal. In the last 18 months I have paid $2702.75 in interest. My principal paymenst for the same time period were $2584.35 - My complaint to them when unheard. All they kept saying was you signed the contract and that is the interest!

******BUYER BEWARE CAPITOL ONE NO HASSEL AUTO LOANS*******

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GINGER
,
Nov 24, 2008 8:43 pm EST

I agree, I have been trying since April to find a company to refinance with, but with No Luck. No one wants to even deal with this company! Any suggestions

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Capital One continued calls to non-customer

When I switched phone numbers, the person who had my number before me apparently owed Capital One a lot of money and failed to switch his phone number through Capital One. I really can't blame Capital One for calling. I can, however, blame them for calling repeatedly and at all hours.

The first time they called that I was able to answer my phone, they asked for Kyle. I told them that the number they had was no longer his number. They called again, and I told them the same thing. They called AGAIN, and I told them the same thing. They called YET AGAIN and I got snippy and told them that it was about time they changed their number on file for this guy. The caller responded by getting snippy with me and telling me that that was why he was calling. He lied... I received four or five more calls, to which I responded with increasingly loud and angry retorts. Each time the caller told me (snottily) that they were removing my number from the list.

Finally, I called Capital One customer service and told them to STOP THE CALLS immediately, that I wasn't Kyle and had no idea who Kyle was. They apologized and, supposedly, removed me from their list. Then I got more calls. I finally had to have each of the (different) numbers they had called from blocked by AT&T. The calls have finally stopped, but Kyle either gave out his number to numerous credit companies and tool manufacturers or Capital One sold my number to them.

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Capital One express payment fee

I went on-line to pay my Orchard Bank Credit card bill on 12/31/09. The payment is due on Jan 3rd. When doing so, I got a "pop-up" message that stated that the soonest my payment would be applied would be Jan 4th ! How can that be when I paid it online on 12/31? So I was informed that I would need to make an Express Payment that incurred an additional fee of $12.95 or I would be assessed "late charges" of $30.00 This credit card company is absolutely the WORST ! I am complaining to the Better Business Bureau and every other agency I can think of. STAY AWAY FROM ORCHARD BANK !

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Capital One hidden finance charges and automatic overlimit fees

I am getting tired of Capital One playing their stupid little game called Monopoly and also the game called Life. I cannot get ahead with paying off my credit card payments and keep me in debt. I think the credit card company being outsourced to foreigners make it hard times for America. I cannot keep up with their unknown finance charges and put over limit fees right in front of them without my knowledge. I hope things will improve with this company cause I getting tired of playing games with them, its like playing the lottery and I am not winning anything. I need this extra money to keep the food in the fridge and to take care my own needs. But with Capital One they are just being nothing but a very sneaky bank. of India. Capital One, Thanks for ringing in the New Year with a high finance charge and over limit fee. Greed!

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Capital One sending junk mail

I opened a business this year and registered with my state agencies, of course ALL of the banks and other guys looking to get me to give them MY business are sending me all kinds of postal mail - SO MUCH JUNK MAIL that i decided to do something about it.

I called Capitol One and told the operator who answered to take me off the list - she wanted to play a game and just gave me the runaround NEVER ONCE did she acknowledge when I told her that it was my right to be able to call and request removal. they are still sending me junk mail.

Now, even if I ever do need a business bank/credit card you can rest assured I will NOT be doing business with Capital One! Not now, not ever!

In fact, i'd rather PAY higher fees at another bank JUST TO PROVE my point.

Capital One YOU GUYS SUCK!

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Capital One nsf charges

I checked my account balance on December 14th at 2pm. It said I had a little over $3 in the account. Later that day I deposited a check in the ATM for $54 and some odd change. The ATM gave me a slip of paper that stated both my current and available balance was $57. I knew a check was coming out of the account in a day or so for $20 so I went to the store and spent $30 on dinner, knowing that would leave $7 in my account until Thursday when my boyfriends direct deposit went in. On Wednesday I checked my account and saw that I was negative $6.55. At midnight Capital One removed the $54 credit from my account and tried to push the $20 check through. I received an NSF charge of $35 on Monday. My deposit was credited to my account on Tuesday, but there was not enough for the $30 I spent on dinner to go through so I received another NSF charge. I spoke to a customer service woman who told me I just needed to bring in my ATM slip to a local branch showing my current and available balance were the same on the 14th and the NSF charges would be removed. I did and the man I spoke with at the branch said the woman responsible for dealing with these kind of situations would not be in until the next morning. He gave me her number and I called the next morning. She told me that even though I made the deposit at her branch, I had to speak with the branch in Frisco, TX to get the NSF charges removed. She said she would call them and then call me back. She called back 2 hours later and said "The Frisco branch is not refunding NSF charges today." My boyfriend called the branch in Frisco and they told him that we should not trust the balances in our accounts that show up on their website, the one that shows up on the ATM or what they tell us is current at the bank and that it was not their fault that we did not have enough money in the account to cover the check.

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Katrina Douglas
, US
Jul 06, 2016 6:04 am EDT

Despite the ###s before me who are bashing you for making an honest mistake, I understand what you're going through. I'm sorry that you come on here for help, and to spread your story for others who may be going through the same, or as a warning, only to be mocked. If you don't have anything better to say, then why are you here in the first place? You are obviously here for a reason, so stop pretending you're better than her. In fact, go screw yourselves. No one likes a troll. Anyway, Girly I feel bad for you. They were clearly giving you the run around. That's what greedy banks do. I'm sorry to hear, but hopefully now you know what not to do.

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pugru2
Palm Harbor, US
Dec 18, 2009 5:42 pm EST

When you receive a check and you are that bad at balancing a budget that you only have $3 in your account you should be getting them cashed at the bank were the check came from. The balance is based on the assumption that the check is valid, so it really isn't in there until they can verify that it with go through. All deposits are shown as pending until at least midnight that night. Many banks actually push through withdrawals before deposits to cause the overdraft fees. But as member of society you should be well aware of these things by now. If it's that bad, you should have a low low limit credit card that you can use for these type of purchases, that you can pay off before the end of the month. Why are you spending $30 on a dinner, it sounds like you should only be eating in anyway.

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Capital One do not believe their promotional rate!

About a year ago (late 2007), Capital One offered an incredible 0.00% interest rate (with 3% transfer fee) until January 2010. This was unheard of. And Capital One is Capital One -- a supposedly reputable company (based on their ads on TV, I guess).

This past month in November, I paid off the entire balance ($20, 000) -- 2 months before the deadline. Guess what. The December statement shows that there is $150 of finance charge!

I phoned the 1-800 number, and the customer representatives are in Costa Rica and India, all speaking with an unusal accent, with really bad (satellite) connections. (There wasn't even "Your call will be monitored for training purposes" recording.) I had to phone four times and repeated the same story.

Guess what? One annoyed customer respresentative said that the promotional rate was good only through 11/09, the last month. When I told her that I have a document that shows the rate was good through 01/10, she said she would transfer me to an account specialist.

The transfer to an account specialist never happened because the connection got disconnected.

I tried again twice more with the same scenario of the transfer being disconnected (supposedly) because of bad connections!

What a bad business practice!

What contempt they have for common people!

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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

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