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1.7 1033 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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12:00 am EST

Capital One continuous "finance" charges after 8 months canceled card!

I have been getting bills after I cleared out my capital one credit card. Then, some strange $1.83 charge showed up and another bill was sent. Then, the next month, a $15 charge was on for finance. After I tried and tried to get a real human on the phone for days and days, to no avail, I finally pay the $16.83 bill only now to get my mail and get yet another $15 charge! I have not used this card in months. It is cut up. Will this ever end? What do I have to do to get rid of this horrible company? They are committing a crime by stealing from me. I don't want their services and will tell anyone I can that they are not the credit card that anyone should use. I am writing the Better Business Bureau and any other organization that will take my complaint.

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Pillsbread
Vicksburg, US
Dec 03, 2011 10:15 am EST
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FINALLY! Others have problems with capital one. I found out through there automated service that I had a multiple account, and someone in Canada opened an account using my SSN. When I called them they gave me numbers after numbers to call they got rudder and rudder then they started to hang up on me and play it off like it was nothing. I was told by one person that Canada and the US have similar SIN and SSN numbers...I don't know if this is true or how to find out but there not going to get anymore money from me...ever!

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Nyeontee H.Pierre
Cincinnati, US
Oct 18, 2010 8:38 pm EDT

I am going thru the same problem in Ohio with Capital One. I had a low interest rate credit card for my business, and due to some unforeseen events I had to close the business. Capital One cancel the car without notification, then apparently starting charging late fees and over limit. I received no contact from them for about six months in 2009, suddenly the acct. that was 569.97 was blossomed into 996.14 by april 2010. Now they are taking me to court for $1, 2223 and change. Is there anyone out there who can help? Are there any class actions against them. The interest rate also went up to 29% without any notifications. I need help in resolving this issue immediately.

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Kat O
, CA
Jan 06, 2009 10:37 pm EST
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I have a 200.00 Capital One Mastercard. Got behind on all my bills due to unforseen crisis. Tried to work with all creditors. Only one would not do this. The little 200.00 Capital One Mastercard. Their very rude and unbeleivably arrogant telestaff sets the rules for resolution, with no room for barter When they do not prevail in their layed out plan, the repercussions come in the form of 1.telephone terrorism. By their own admission they are permitted by law to call 3x per day. They are caling me in excess of 10 times per day, often 3x in the space of as little as 10 minutes, anywhere from 7 AM to 10 PM, 7 days a week. Many of these calls come from numbers that show up as "unknown" on call display. I beleive they are breaking several laws right there.
2. sudden rapid escalation of total bill. My 241.00 bill mushrommed to over 600.00 in under 6 months. They are terrorizing me, and when I suggested that I was going to speak to a lawyer about this, the guy on the phone laughed, and said if I cannot pay a 200.00 credit card bill, then how am I planning on paying a lawyer! What an arrogant mouthpiece!
Also, invoices are not showing payments received. One payment in the past 6 months was 100.00, and has never shown up on any of their invoices as having been paid. They are blaming my bank. My bank says different. My bank gave me a receipt for the payment.
Are there any class actions against this company yet? It seems to me there should be. I know a lot of others with their own horror stories regarding this company.
I would advise anyone and everyone to steer clear of this company.

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mistygirl06374
Plainfield, US
Nov 29, 2007 10:34 pm EST

Contact your state attorney general.

Contact local media and newspapers.
BBB.

Don't stop until someone hears you. Negative publicity will eventually get you help. OF course, it will become someone else's problem, but they will finally leave you alone. Fight back!

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Carola Thompson
,
Nov 13, 2007 1:16 pm EST

Yes I know how you feel. We hat Capital One for 3 years. Suddenly they started to charge us overdraft. They claim we paid 1 Dollar less on the bill in August. I say B.S.
Now it is November and we are overdraft 198 Dollars, even though I tried to straighten this mess out ( know that they are lying) and they charge now late charges and overdraft charges every month 39 Dollars each charge, and still w/out results. I told them, that I wanted a detailed report about the charges stemming back to July.

So far nothing, matter of fact, that so called supervisor hung up on us.

Unfortunate, those are the big power full cooperations, that pay politicians, so they pass laws in their own favor at the expense of the customers. As long as this corrupted payoff to the politicians go on, the less chances we have, to get fair laws passed, that would protect us from those, conniving, bloodsucking thieves.

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12:00 am EST
Resolved
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Capital One major rip off!

Orchard Bank - www.orchardbank.com

This company is a major ripoff. I just closed out two accounts with them and they were the only credit card company I paid off that I had to send extra money to pay off completely. I also paid off two Capital Ones and a Juniper card at the same time and they accepted the amount they had posted online, no phone calls needed to zero out my accounts.

Now, Orchard has credited my accounts and owes me money. One card they seem to have handled ok. The other card... well, they are trying to make me pay a month's interest and I called them today and Dave (real name of the guy I talked to there, no last name given even though I asked repeatedly) said they would refund my $19.32 interest payment. Thieves...

And it would take them 10 days to get me a check. Dave said they were not set up to put money back into my bank account only take money out of it. I did tell him I wanted 20% interest for the 10 days it would take them to get my money back to me. After all, my bank account earns interest although it's only chomp-change and that money could be earning interest instead of costing me money.

Orchard Bank is also the only one that delayed posting my payments for a couple days but not if you pay on a Friday and the payment is due on a Sunday. You will be late as they can only charge you a late fee on Sundays, not post any payments. I have personally called them each month for the last 6 months and had them remove the late fee. Which they did after I ranted at them.

Also, the payment must be paid online before 12pm est to be posted in 2 days or it will take 3 days to post. And as that wasn't true a few months ago, it must be a new rule to steal your money from you. And they also charge you to make a phone payment or a same day payment. Do not even try to mail in a payment, you are just asking for them to charge you a late fee and an interest rate increase.

They also are the only cards I had that were 25% and 30% which is double my capital one cards and triple my juniper interest rates. This rate change came about only after my cards were about maxed out. Gave me a BS story on it and told me they would lower it after a month with no activity, which turned out to be a major LIE!

Orchard bank cards are one big con job on the unsuspecting person as they change their rules to suit Orchard Bank and no one else. Grifters...

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Yes I Will Complain on your A$$
Clear Lake Shores, US
Dec 14, 2010 12:03 am EST

BANNKER CT.. Sounds like your Christmas bonus is coming from Orchard Bank! You get over yourself! Unless your one of the thieves (which is apparent) then you would be bothered by such actions. Working class is always targeted by crooks like you! Thanks Joanna for the info I had recently applied with Orchard thank god I hadn't mailed that paperwork in!

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BankerCT
, US
Mar 11, 2009 8:27 pm EDT

All companies have policies that you should familiarize yourself with. As for employees not giving a last name, get over yourself. There are way too many sick people out there..if you have someones last name you can find out where there live with a map and directions.

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G. Bradley
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Dec 11, 2007 4:35 pm EST

Orchard, I think you will find is owned by HSBC, they are true con artist, if your problem goes as usual, it has only just begun. Get a lawyer before it's too late. (Read the other posts about HSBC 21 pages).

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12:00 am EDT
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Capital One beware of capital one, they will rip you off!

Capital one - www.capitalone.com

I've had credit since 1992. I have perfect credit, except for capital one saying my bill was a day late. I find it very hard to believe, since I make my payments weeks in advance. But that's another story..

I only signed up with them in the first place, because they told me that I would have a 9.9% interest rate for the life of my card. Two years after they said my bill was late, they jacked my rate up to 18.9%, without telling me, and without a reason. It took me months to get them to change it back, and only after I put in a request for them to lower it back down, to where it was supposed to be in the first place. I've waited and waited, but they haven't adjusted my balance.

Beware of capital one. They will rip you off!

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12:00 am EDT

Capital One charged 23.63% finance charge

In July 2007 I cashed a 0% balance transfer check from Capital One, and each month since then have not only been charged 23.63% of finance charges, my principle balance even with the excess charges has not been properly credited. I have talked to account managers and senior account managers who have promised to correct this problem with written confirmation, and each time the problem only seems to get worse. After 3 months of payments in excess of $400, less than $30 has been credited toward the am0unt of the original transfer.

Is there anyone else who has encountered a similar problem?

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yaniv
Davie, US
Dec 06, 2009 4:08 pm EST

Very similar case happened to me where on August 6, 2009 I have taken on a 12 month 0% loan from capital one in which cost me $390 in processing fee as was displayed as a financing charge on my first statement after getting the loan.

The following month I have noticed a $67.01 in financing charge on the second statement which I found strange but did not make so much of it as I was hoping it's a mistake and won't happen again and just didn't have the time to deal with it. A month later on my third statement of November of 2009 since the 0% loan I again noticed a finance charge of the amount of $133.58.

After receiving my third statement and finance fee, I have decided to call them to find out why I'm getting these charges as I was hoping it's just a mistake which they would easily be able and adjust. After explaining my situation to the agent on the phone I have been told by her that Capital One policy is to charge a finance charge on balances with higher APR rate first. I explained the lady that I pay my full balance every month so there should not be any balance to pay finance charges on except my loan which was anyway at 0%. Then the lady explained to me that any payments that I am making are paid first to the 0% loan instead of the purchases that I have been making as usual on that card. I tried to explain to her my point of view that this doesn't make sense because base on this system I'm never going to take advantage of their offer and the only thing I have accomplished is paying them the $390 processing fee as well as start paying them finance charges which I didn't pay before. I also asked her to send me a copy of me agreeing to this loan type. She told me she will be sending over my agreement and I will receive it in the mail.

A short time after my phone call with Capital One, I received in the mail a letter stating the following: (a copy of the letter is also attached to this post)
"
Dear ***********:
Thank you for your recent inquiry about the manner in which payments are applied to your Capital One® account. Capital One will apply your payment to pay off lower-rate balances before paying off higher-rate balances.

We hope this explanation will help you better understand how we apply your payments. Our primary goal is to provide the highest level of quality service to you. If you have additional questions, please give us a call at [protected]. Our Customer Service Representatives are available Monday through Sunday, 9:00am-10:00pm Eastern Time.

Sincerely,

Capital One Services, LLC.
"

I guess they could not come up with anything on file that I agreed to these type of loan arrangement.

To me this is a definite scam and if anyone is looking for a Class Action lawsuit partner, I'm in. Please contact me at my email address below:
capitalonescam@webomg.com

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JeriK
Fort Worth, US
Jul 26, 2008 7:14 am EDT

Would any of you be interesting in filing a class action suit with me against Capital One for their preditory practices on balance transfers?

I, too, was given a balance transfer offer in February, 2008. I had to use the check enclosed or call them. I used the check. One the second billing cycle I started getting hit with a 14.99% interest rate. When I called, they said I had used the wrong check and that the check I used was at the 14.99% interest rate.

When I told them that I had used the check they gave me with the offer letter I was asked, by Senior Account Manager "Frances", if I had a copy of the check and the offer letter. I could get a copy of the check, but the offer letter I didn't keep. She said unless I had a copy of the check and the offer letter they could do nothing for me.

I went through five months of fighting them, with account managers making promises to rectify the problem only to have it pushed aside and more interest build, before I changed the balance transfer to another credit card I have. But, now instead of having a balance transfer that was supposed to be 0% interest for 18 months, I'm having to pay 4%. It's a heck of a lot better than 14.99%, but it's not 0%.

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Bob Hunter
,
Jul 14, 2008 11:11 am EDT

This was a scam ran by Capital One. They had a 0% balance transfer statement that only applied to balance transfers after the initial introductory offer APR. In the terms they made up a new transfer called a special transfer which was applied a range of interest 14%-24% APR for balance transfers during the introductory APR. The purpose was to trick people into believing they would be getting a 0% balance transfer when in fact they would not. I would say you should try to leave Capital One as soon as possible as this is and was clearly a deceptive business practice.

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JIm
,
Feb 17, 2008 12:17 pm EST

I received a special offer from capital One for a 0% balance tranfer with no balance transfer fee for 9 months. When I received the statement, the 0% was nearly 14% with finace charges building. When I called, they said this was not the terms of the offer...
Now I need to spend alot of valuable time rectifiyng their mistakes...Still fighting this...

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Suzanne Earley
,
Oct 11, 2007 8:26 pm EDT

I had a CapitalOne credit card in London - after two years of exorbitant interest charges and spiraling costs, I finally managed to pay off the balance and sent them the final cheque with a letter instructing them to immediately cancel my account. Two weeks later I moved house, and a year later moved again. Six months after THAT, I received a year's worth of mail from my ex-flatmate, stating that he was returning to Australia and would no longer deal with my debts... I thought, "what?" - got my mail, realized CreditOne were chasing me for ~ GBP#290. I rang them to query, and they explained that - despite me "closing" the account - they had continued to honor the monthly payments I had authorized another company to take from that card. Despite having also canceled that authority, which was a whole other problem. SO I had 18 months of monthly charges plus 18 months of late payment fees and overlimit fees, as well as 30% interest charges. I explained again that I had closed the account and refused to pay the additional charges - they asked me for my current address, "just so they could keep in touch", and again I refused, as I was no longer a current customer of theirs and had no responsibility to provide them with my details. It took 6 weeks of weekly phone calls for them to accept that I would not be paying the charges they had issued since I had officially canceled the account (luckily I had a dated copy of that letter), and even in desperation I would never ever apply for a card or any other credit with them again.

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12:00 am EDT
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Capital One do not trust capital one!

Capital One
www.capitalone.com

Capital One Credit card, The no hassle credit card, What is in your wallet? It won't be Capital One for much longer. We purchased a year of Sun Rocket VOIP phone service on June 21st. On July 19th we were informed that Sun Rocket was bankrupt, we had never even used the service. We were billed and had paid on June 21st (the last day of our billing cycle. We called Capital One, spoke to Eric who reassured us that because it was under 30 days that Capital One would credit back the account. They did credit back the $244.06 on our July billing, but the charge came back on our August billing. I called the Consumer investigations department for Capital One. The not very nice "lady" advised me that since Sunrocket went bankrupt, they had to collect from someone. I asked about Capital Ones guarantee against fraud, I had sent supportive data via fax to them that supported the fraud claim. "Too bad" I was forced to pay the $244.06 for services never received, the customer no service "lady" "Anita" promptly hung up on me. We will be applying for and obtaining another credit card after I get back from helping my daughter after the birth of my grandson. Timing was horrible for me to terminate the card at the time because of the traveling that I had to do. I will rectify this ASAP. Do not trust the nice person on the phone that reassures you that CAPITAL ONE loves you as a customer. Their what is in your wallet and the NO HASSLE crap is just that, a line of crap. I had been very pleased with them up until then, even terminated another credit card because I had received such great service. I guess, I must not be that great of a customer after all.

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Update by Valerie
Oct 29, 2007 12:00 am EDT

Capital One - www.capitalone.com

I have a credit for a limit of 300 dollars and I paid over 54.00 last month the balance left was 300. they charged me a 39.00 dollar over the limit fee because of a 5.43 finance charge that is crazy also I paid my bill for August on the 24th online and it was not posted until the 26th so i was charged alate charge even though i paid it on the due date, Then was the membership fee that i did not know was due which cost me another 39.00 over the limit charge for a credit card that i cannot even use I do no think i should have to pay the last39.00 over the limit because of the 5.43 finance charge of course i cannot talk to a real person about this ----there is no way to contact one i also have my car with capital one --- They are horrible!

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misty main
,
May 19, 2008 11:14 am EDT

I too had an account with capital one my credit line was 300 when I tried to close the account they told me I couldn't because my year was not up they continued to charge horrible fees till my bill is now over a thousand dollars because they will no close the account. its rediculous and frusturating

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Abel Rodriguez
Plano, US
Oct 29, 2007 6:51 pm EDT
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CAPITOL ONE Is Becoming another AOL Type Company. I can't even close mu account. The service manager puts me on hold while they download and review my account. Then they make a disconnection on the phone. This is so the Account manager does not lose a customer even though the account has a zero balance. I guess it looks bad for them to lose customers when the customer wishes to close their account.

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12:00 am EDT

Capital One increased interest rate!

I am 52 years old and have always had excellent credit. I am never late on a payment and have credit scores from 760-790. I have had a Capital One credit card for years with an interest rate of 9.9%. Recently they sent me a statement that my interest rate would be increased to 16.99%. I haven't paid this much interest on a card in many years and have never had a credit card increase my rate and don't understand how they can do this when I am not in default on anything. A couple of years ago when I checked my credit report I noticed that Capital One was showing 2 30 day late on my account. I knew this was incorrect and filed a complaint and this was corrected and taken off my credit report. I could understand an increase in my rate if I was a credit risk but I have worked diligently to keep a good credit score and do not have to take this. I will be canceling this account.

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mad in ny
, US
Apr 07, 2009 10:38 am EDT

Mine was just increased from 7% to 17%. I disagree with the comment that they explain why to you. I called and the rep told me it was because they reviewed all acounts and almost everybosy had an increase. I understand they want to make money but an increase of over 100%? Come on. How is that not loan sharking? especially since I just moved a balance over there for the lower interest rate. I am closing this card. It's ridiculous. I hope they go out of business and more people opt to close their account. Like someone mentioned, I'm sure there is someone out there who would be happy to make 7-10% return on lending me money!

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A. Davis
Richmond, US
Mar 21, 2009 3:21 pm EDT

What you had was a change in terms. All the info on why it changed would have been disclosed to you in a letter as well as most reps will clearly explain it to you when you call. I understand it's frustrating to get one and think that the company is targeting you due to your good status. However, your status and credit score are normally not a reason for a change in terms. The only reason that one occured was because of the increase in interest rates over the past 3-4 years. The interest rate you had was very low for several years in comparasion to what the adverage apr is, Captial One reviewed your account as well as thousands of other accounts and determined that your account apr needed to be increased due to the increase of interest rates in the market. You always have the option to use your card for your monthly expenses and pay it off in full each month. That would avoid interest from purchases entirely because you are not carrying a balance from month to month. Also, if you have a rewards card, using your card for all your monthly expenses (gas, groceries, bills, ect.) would quickly bank up rewards to use for something neat in the future.

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Jthom10003
Temple, US
Feb 08, 2009 12:12 am EST

I just got a letter in the mail from Capital One saying that they are taking our interest rate up over 9%! I too have not been late with a payment, and I send them more then the payment is each month by at least $30.00 if not more. I am going to cancel. I have never liked how they out source their customer care reps either, so this just made the push to shove and in the morning I am calling their number to cancel my account. I am sure if I need a card, there are other companies that would love to have my money.

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12:00 am EDT

Capital One unable to close account / fees charged

I have tried numerous times to close this account through Capital One. The card has been destroyed and there is no recurring charges on the account, except for the 3.00 monthly fee charged by the company. This charge is accumulating interest of 19.80% monthly. I have called three times today to get this account closed. I was put on hold and the phone goes dead. Please help me I want to keep a good credit report and I always pay my bills on time. I feel frustrated and cheated by this company. There is none to speak to and even when I do, they do not close the account.

Ann K Carter / William Harwell

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martha
,
Oct 26, 2008 11:58 pm EDT

CAPITAL ONE must be a genius at hiring the rudest, most condescending customer service reps in the world. Especially the ones that they outsource from India. They are arrogant and don't give a ### about your problems with THEIR credit card.

CAPITAL ONE must be the greediest, ### credit company around!
They obviously don't care because they have plenty of customers. Beware, CAPITAL ONE, your days are over! Before you know it, you will be bankrupt just like those a-holes at Wall Street!

CAPITAL ONE------- that is Karma for you!

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angry@capitalone
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Oct 25, 2008 11:46 pm EDT

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

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Cathy Rogers McCoy
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Jan 25, 2008 6:44 am EST

I changed addresses last Feb. and was getting my several Cap. One statements just fine - then in Nov of the year, the address was printed wrong resulkting in no statements for a few months and granted, since I have been a long time customer and had several Cap One cards, I didn't notice right away. When all the late fees started coming after I tried to correct the problem (after service rep siad, "yes, it was our error, your credit will will corrected and a minimum payment will clear it up" - I did all that, and NOTHING changed - laye fees are still coming, and my credit has suffered, statements still come late, calls to "customer service" has resulted in extrodinary hold times, foloowed by disconnects, was told I could not cancel the account OR talk to a supervisor. I got the complaint form from Salt Lake UT - wrote the problem AND sent a good faith payment. IT WAS NEVER CASHED - my complaint was never addressed and while I send payments in every month, I still get late fees every month - I never use the card and am not allowed to catch up or clear my credit. THEN, another of my Cap I cards started going to a wrong address! Another (in good standing with small balance) was cancelled -

How can I get some WEIGHT to get this until control?

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Suzanne Earley
,
Oct 18, 2007 2:10 pm EDT

I'm with you - it's what they did to me, only I had moved addresses and didn't know they were chasing me for it. Had to file formal complaint against them and CC: the credit reporting agencies before the details of my "bad credit behavior" were removed from my credit report. It's messy, and I'd never ever go through them again, for anything.

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12:00 am EDT

Capital One unreasonable apr of 28.15%

I also am a longtime personal and business client of CapitalOne, current on all my payments.

I run a small start up business and over the past 18 months was late on a couple payments, neither more than 30 days. To my surprise, this month, my APR soared to 28.15%!

I contacted CapitalOne and asked for a rate reduction and explained the circumstances and trials of being a small business. Their answer... "Tough Luck".

I cancelled my business card and intend to cancel my personal card as well. 28.15% APR is criminal and completely unreasonable even for a few late payments, when all other credit factors, score, personal card from same company, etc.. are impeccable.

Use CapitalOne at your own risk!

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SusannaNewHope
New Hope, US
Oct 27, 2008 5:37 pm EDT

I have been a Capital One Customer for 10+ years. I always pay my bill in full and on time. I pay electronically through a bill pay service. I use the card for business and charge probably $40K a year. My husband is also a card holder, and charges probably $18K a year. Same deal, we pay the bill in full on time every time. This past summer, we were on vacation and forgot to pay the bill before we left. We realized and called the payment in on the due date. Apparently, when we read back the bank account number we reversed a number. No one called us to let us know. Two days later we called again because the check hadn't cleared. They fixed the error and withdrew the money successfully. Last month we were changing electronic bill pay services, and something happened. Again, no call from Capital One, but we noticed the money hadn't cleared, and proactively called, again a couple days after the due date. We asked why we weren't notified when we were set up for email payment warnings, and they claimed they didn't know. We got our bill, and were charged not only the $40 late charge, but also our interest rate was hiked to 27.9% and $180 in interest charges for the couple days late payment. We called, and were told tough luck. So much for 10+ years business. A couple of honest mistakes, and a payment late by 2 days both times, and they write us off. Lucky for us we always pay the bill off, so we're not saddled with a debt at that outrageous rate. We obviously will never do business with them again and will tell everyone we know to stay away from these predators.

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Capital One - ruined my credit

I transfered my car loan to Capital One Auto Finance in November of last year. I paid my payment on time every month. I have not been late with a car payment ever! Suddenly, I get a notice on my credit report that I am 90 days past due. Then another one saying I am 60 days past due and lastly 30 days past due. I had been reported 3 time to all 3 credit...

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Capital One raised fixed interest rates

To my suprise, Capital One raised my "fixed" rates from 8.9% to 13.9% without my knowledge. Yes, I'm sure Capital One has all their bases covered. I'm sure they did send a letter (that looks like every other Capital One promotion letter) giving me the option to "opt out" of an interest rate hike. But who wouldn't opt out of a rate hike? Capital One played their customers knowing a huge percentage wouldn't even open that letter. I get so much "junk" mail from Capital One that I can see how I just ripped up that letter and threw it away not thinking twice.

I'm disappointed that such a huge company has to play games and deceive customers into paying more. Lucky for me I'm down to $1,500 in debt to Capital One. Three or four more months and I'm debt free! I can't wait to cancel my Capital One card. And I will never use Capital One again. And I will persuade others to do the same.

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Felled 4 it
Columbus, US
Jun 10, 2011 8:55 pm EDT
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I also was taken advantage of by Capital One, they raised my rate to 20.99% from 13.99%. They also told me they sent me a letter last year: but I don't remember anything like that. The only thing I remember is If you are late, it may go up and I have not been late. I would never have accepted the raised in my credit limit if I had, for I am on a very fixed income. I was surprised they even gave me credit at all. They knew I was in the process of moving from one city to another and then it was Christmas time when you really need extra money. They dangled it in my face like food to a starving person. How can they expect someone to remember something over a year ago with all the stress, and the thing is they don't. You would think they would have learned from the other suit that was filed against them. I guess they needed more luxury cars and cruises for the higher up, for the the people who do the hard work want see it at all.

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K El, NJ
, US
May 12, 2010 11:55 am EDT
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I have two accts with Capital One and they have put me in a similar situation; by claiming that they sent me correspondence that would have freed me from their predatory credit card practices had I actually received it. This correspondence was supposed to notify me and give me the opportunity to Opt Out of their new terms which, if I chose to Opt Out, would 1) close my accts and 2) freeze my interest rate so they could not increase the interest rate over the balance of the time it took to pay off the debt.

There was no way that I could have paid off my debt quickly enough and hang on the accounts to minimize the impact on my credit score. If they had actually sent me the Opt-Out as they said they did, I would have to opt out because I owed over $3k on each of the two accts. and the new terms would have given Cap One a hammer to hit me over the head with unlimited interest rate increases on the total amount that I owed.

I sent them a letter disputing the fact that they ever sent me any opt-out notices and have refused to pay them one penny until this matter is resolved. They claim sending me a notice on 2/2/09 and 5/12/09 on purchases and cash advances respectively. By the time I found out what they were up to, the dates for opting out had expired and they would not give me the time of day concerning that issue. Despite my formal Dispute Letter on each of my two accounts, Capit One is trying to disregard my dispute they did not sent me a proper timely notice and are just mailing to me over and over again the terms for which the opt out had already expired and the new term now apply.

I asked for proof of that they ever mailed me proper and timely correspondence about these important term changes and opt-out opportunity. They sent me a FORM LETTER that did not address the details of my dispute and have continued to pretend as if I'm just late paying on my two accts. They are the worst, and I refuse to pay them another cent of my very meager and dwindling finances until this is resolved.

I would love to get involved in a class action suit against Capital One--I know I'm not the only one they are trying to bamboozle with these new terms. Macy’s tried to do the same thing, but they have been sensible enough to know that maintaining good faith with their customers and took the high road in resolving the dispute I had with them. Macy’s was terrific—they put my interest rate back to what it was before the Opt-Out and even reduced the interest lower until the debt is totally paid off.

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cecmann
Scottsdale, US
Jul 29, 2009 12:01 pm EDT

My husband was hospitalized from Jan 29 to March 6th in early feb I had to take 15K from cap one(I am a secondary name on the account.) - We were were at a very low interest rate - actually I had always paid them up in advance and they had always been soliciting us with the checks attached to the bill. My rate went to 17.9% I just about flipped out. I had no idea. I have called twice to tell them that we did not receive anything in the mail - because the letter would have been addressed to him and most likely thrown out sometime in march or april when he went thru mail - and according to them he had only 30 days to respond. I told them I could prove he was hospitalized out of state - they will not let me talk with anyone. I am distraught over this - and feel helpless and trapped by this company. This is Usury.

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betsyh
Enid, US
Feb 19, 2009 11:05 am EST

I also received a notice of change in my terms. My fixed APR was increased from 6.9% to 15.9%. My account is in good standing and I have excellent credit. I was so furious I called and spoke to a rep that informed me that I could open a new account with a zero percent APR for two years and consolidate the accounts. Is this their idea of making lending easier to the consumers as part of the bail out? Raise interest rates so high on existing accounts that you close it and open a new one? Am I the only one that sees some ethical issues here? I filed a complaint with the FTC. This cannot be legal. The second time I called, I asked to speak to a supervisor or someone in management only to be told they could not connect me. Shame on you Capital One.

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chryssy
Joplin, US
Jan 19, 2009 10:13 pm EST

i was just a few days late with my payment...see i work for the school district and if there is no school i dont work ... well we had christmas break and we had a bunch of snow/ice days so i didnt work for like 3 1/2 wks which means no money they called me and i told them what happened told them will send out a check in 2 weeks when i get paid the lady on the other line told me i had to give her a check number NOW i told her i was not going to do that i didnt know her and i will send a check she kept insisting i give her a check number immediately i told her no she just kept getting ruder and more insistant i told her the check will be in the mail and hung up. i sent in the check and a a few weeks later i got a letter from a collection agency. was paying regularly then when i called for them to take out my next months payment no one would answer the phone finally got a voice mail and left a message for them to take it out they called me back and there is nothing they can do for me and 2 days later my a account was frozen for 2 wks and they told me if i wanted my account back i had to send them 3 x the amount i owed so went out a loan and sent it over night still did not release my account and took out all my money then try calling them and finally got all my money they took 3 wks later . MY RECOMMENDATION DO NOT EVEN THINK ABOUT USING THIS COMPANY !

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Bernard
,
Jun 10, 2008 3:15 pm EDT

Your reward charge is over 50 percent more for the same item. I did not see any difference.

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Bernard
,
Jun 10, 2008 3:13 pm EDT

I recently got a 50 dollar gift card through Capital One
The charge was 10, 000 points.
I ordered the same card through Bank-One and was
charged 6000 points.
I think this is a rip-off
But there was no hassle

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Lynn Kempen
,
Feb 28, 2008 9:35 am EST

Capital One changed my "fixed" rate, which I paid a 3% fee to secure, from 4.99% to 9.99%.
I was transfered from customer service, to two levels of management, and their only answer was that "the terms changed." That is not just an inconvenience, that is fraud.

I filed a complaint with the state Attorney General, in addition to closing my Capital One account.

With as many complaints as I am now discovering people have against Capital One, I contend criminal charges should be filed against them.

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J. Rodgers
,
Jul 19, 2007 7:56 am EDT

My Capital One APR went from 4.9 to 9.9... I was baffled and outraged. I tried contacting the company by telephone for over a week but was unable to get a real person on the line -- never had that problem before. I imagined the wagons had been circled 'round the castle. I came to my senses eventually and chastised myself for having believed that I was different from everybody else who deals with a backstabbing credit card company. I had believed that my awesome 4.9 card had been issued because I was such a great guy for having paid my bills. I had believed that Capital One was a reputable company. Until this apparently across-the-board rate hike, the only horror stories I have ever heard personally about credit card companies have come from people I've known to be less fiscally responsible than I - you know, people who don't pay their bills? I am now more motivated than ever to clear my debt.

I keep my scissors close at hand.

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William Ward
,
May 16, 2007 4:20 am EDT

Capital One is a sorry company and should not be trusted by the American people. Advertise rates at being fixed and raise them without a notice, bills are paid on time but not posted, charge late fees for their mistakes. I had a fixed rate of 5.9 and it was raised to 10.9. Claim their rate is based at the APR rate when it is not. Very well known to harm individuals credit ratings. Where is our government when it comes to helping people deal with fraud like CAPITAL ONE. Everyone should view all the negative postings on Capital one before doing business with them.

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Capital One - unfair interest practice

I recently took advantage of a Capital One "0% interest on balance transfers" offer. No where in the offer did it explain that no, they would not charge interest on your transfer but they would institute new interest charges on current purchases even though the new purchase charges are paid in a timely manner. As long as I have had this card, I only had ...

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Capital One fraud business practices!

I am seeking to file a complaint against Capital One Credit Card Company for fraudulent practices. I have also contacted my congressperson and both California Senators in writing. I will also copy this complaint to all consumer websites (the internet is a wonderful thing), The Attorney General of Virginia, the Commissioner of Financial Institutions as well as CNN, Sixty Minutes, Primetime and anyone else I can think of who can speak out against this type of egregious behavior. I know it's hard for the media conglomerates to step forward and dig deeper when their advertising revenue comes from companies like Capital One. However, after watching some of the hearings in Washington last week against banks and credit card companies charging excessive fees to their customers, I felt compelled to finally express my frustration for the hard working tax payers of this country and to ask Capital One’s CEO, Richard Fairbank to stop abusing your customers.

For the past six months I have attempted to close one of my three Capital One Credit Card Accounts. My husband has one for business, I have a family use card and the one I’m attempting to close since October 2006, was my business credit card. I no longer have the business and therefore had no need for a third card. We have been Capital One cardholders for many years and have always enjoyed a low interest rate of 9.9% on all three of our cards, due to our good credit... until I attempted to close my business card in late October 2006. That’s when things changed.

On October 27th, 2006 I called Capital One and asked for a payoff on the the card. I promptly paid the balance. I received confirmation of payment. I then followed up once the check was cashed and asked that they close the account. They did not close the account. They continued to accept miscellaneous charges from Sports Illustrated Renewal, Amazon and now this month a Consumer Reports annual renewal notice. None of these charges was authorized or approved by me and all of these companies refunded me the money. However, as a result of these three separate charges, Capital One continued to charge me 28.1 % over the course of five months, until the time these money were refunded to me. I called Capital One and asked them to reimburse me for the finance charges and finally they did do that after three phone calls; it's not about the money, it's about the principle.

I have written a letter to Capital One and have made numerous phone calls to try and close account, to no avail. Today, March 16th, 2007 the account is still open, despite Capital One promising me on the phone they would not accept any more charges to my account. They must be making quite a tidy profit off of this practice: customer calls in to close account, take their rate up to triple what it was, let those monthly reoccurring charges flow in (because no customer can recall all of them), and Capital One has a huge revenue stream of profit coming in (thanks to the Actuary who figured this out).

Because I no longer have the card in my possession (I cut it up after my final payment) I cannot even access my statements online because I don’t have an expiration date and they can’t give it to me over the phone. I actually have to order a new card in order to get the expiration date in order to get online and review my statements. Today I called to ask for my last six months statements and I was told it was $3.00 per statement! It seems that every time I try to correct this situation, Capital One is charging me again. Now I can see why the CEO of Capital One, Mr. Fairbank, has made close to 500 million dollars over the past five years (that’s right, 100 million per year!). I’m appalled at the transparent and aggressive tactics used by the CEO, Richard Fairbank, to generate revenue and profits, at the expense of so many loyal customers. I wonder if Capital One shareholders would approve of such tactics knowing the CEO is consuming a large chunk of the profits via his salary?

My goal is simply to close the above mentioned account and have confirmation of this in writing. Today I spoke with two different customer service reps for Capital One Michael ID #QSJ941 and his supervisor Joaell ID #JKW464. Both informed me that Capital One cannot close an account until 30 days to make sure there are not re-occurring charges. After five years of having this card, this is a lot to try and remember. I couldn’t possibly remember what magazines I signed up for a year or two ago and what month they are about to expire. The lesson I learned from all of this is don’t use Capital One-ever!.

Sincerely,
Kerry.

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Abused card holder
Brooksville, US
Feb 23, 2023 5:50 pm EST
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Opinion - in this new normal evil do not expect resolution or help from any government agency. not the cfpb, fcc, ftc, atty gen in your state, fed, fbi, local police, ic3 or credit bureau or certanly not any politician! not one. pray psalm 140 upon them.

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Abused card holder
Brooksville, US
Feb 23, 2023 5:46 pm EST
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Opinion...

Do not waste your time. They do not give a damn. Live and learn we created this atmosphere of ineptness, greed and lies.

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Looch
Hockessin, Delaware, US
Apr 21, 2021 9:32 am EDT

Had a humilitatng experience with Capital One just yesterday. Called to pay my bill by phone, always in full in advance, then inquired to redeem my rewards and transferred to another agent who advised I'd have to have a mobile phone so they could text me a code by text to verify my identity. When I couldn't comply (no cell phone), he transferred me to the Fraud Division who requested I submit a copy of my Driver's License to verify my identity. What the heck is going on, I've never encountered this problem before, usually when I called in the past, they simply mailed me a check, now I'm being investigated by the Fraud Department?
So help me if they ruin my excellent credit score over this, they'll have hell to pay. Never had a problem until they took over Union Plus MasterCard which we've had since the mid-1970's.

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Therey
Philadelphia, US
Feb 17, 2024 1:04 pm EST
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Replying to comment of Looch

I am still running into a similar issue. They will NOT allow me to access my account online because I do not have a cell phone. And since your problem seems to be from 3 years ago, it would appear that they have NO interest in resolving it. Perhaps a class action law suit (denying access to accounts) is the only way to get their attention.

I just wrote that I want the following resolution:

Capital One to give fair access to accounts online via home phone number and / or an email address registered with them--for the company to adjust their verification process to include other means than JUST a text to a cell phone.

This was what I wrote as an issue:

Apparently, the tech wizards at Capital One have allowed only those with cell phones to be permitted to access their accounts online. I often go online to review transactions, etc. (to ensure integrity and accuracy); and they are denying me that. I have been calling for over a year (since they took over Comenity Credit Cards) and they refused to "fix" their system so that I am able to view my accounts online. Because their tech department was short-sighted in setting up their website and access, I should not be punished. Capital One has my physical address, my email address, my home phone number, and all my PERSONAL information. I should be permitted access to my accounts online. "They" say it is because I do not have a cell phone number for them to be able to send me a code to set up online access. I told them that they could email the code, or call my house number. Which they do not have in their list of providers because they are insisting on using ONLY cell phone providers because they are insisting on text messages as the ONLY means to communicate.

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dorothy coblentz
Grand Rapids, US
Jul 19, 2012 11:58 am EDT

recently capital one has acquired other credit cards Ihave. Iam told to continue making my payments as such, however I wonder about all the different interest charges, if they are all now capital one cards now, why cant they combine them all at one interest rate. rather then charge me several different rates on each card ? If I add up each interest rate it is over 300%. Can they do that? My credit is good on each of these cards but it would be easier to combine them all and only pay interest on one, rather then pay all different rates on each card totaling a surmountable amount of interest. What can I do?

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Netty
Las Vegas, US
Aug 17, 2009 10:25 pm EDT

I pay my Capital One bill online. I am very good about paying, I don't want to mess up my credit anymore than the economy has already done. I haven't worked in over a year, so regretfully, I have been paying the minimum. I don't enter an amount, I just click on "pay minimum".

Today I got a notice in the mail stating I was a month behind. I knew I wasn't, so I called. I was told 2 months ago I paid $15 when in reality I owed $16. So a $39 fee was assessed. This happened again the next month even though I paid what I was told was the minimum!

I asked how they could charge me for paying what their website said I owed. The man had the nerve to tell me the bills mailed and the internet isn't always accurate. The only way I will get an accurate amount to pay is by called Capital One before I make my payment! How is this legal? Is there is lawsuit out there addressing this issue? I've been charged $78 because they lied to me about what I owed. I asked the man "Are you serious? Can you honestly tell me you can say I owe one amount, when in reality I owe more, and then charge me a fee?" He said "Ma'am, the only way you're going to get an accurate amount of what is owed is by called before paying your bill." If that's the case, we should all bombard Capital One's call center to question what we owe.

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Donna M
Manchester, US
Jun 22, 2009 4:37 pm EDT

CAPITAL ONE! Something needs to be done, we the people can't suffer because of them. I received a letter in the spring regarding the increase, wanted more information so I called and spoke to a representive who stated the new interest rate was for only future purchases as of May. 6/22/09 I get my bill and my WHOLE balance went up to 17.9%.. I called and spoke with a rep from Capital One who saw my phone who told me that I was told miss information and now to bad for me. THEY HAVE NOT HEARD THE LAST OF ME! THIS IS NOT FAIR AND SOMETHING HAS TO BE DONE!

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Jerry
, US
Feb 18, 2009 11:35 am EST

Capital One Visa credit cards charged a $150 annual membership charge (now plus interest with reminders of non-payment) with a revolving credit of $50, 000 which we never asked for or ever received. We couldn't find that there is even such a $150 membership with Capital One. This card was never applied for card nor had we ever received this card. We have talked to several Capital One agents but we still got a computer generated bills saying we still need to pay down the balance before the card can be closed.

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Karen nitschke
Rockland, CA
May 22, 2014 6:08 pm EDT

To whom this may concern my issue is after 1year 1/2 of me asking them to close my account 3 times they charged me interest rate on my own money and still would not close my account as per so they say that my deposit was used to clear the account. Ontop of me having to dish out another 200 and sum dollars the won't remembers me my money for there mistake it's frustrating for the. Fact that I was told when I got the card that I could cancel it at any point in time why should I pay interest rate when my account should have been closed the first time I called

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maylyn
, US
Feb 24, 2011 9:11 pm EST

I purchased a internet business and charged it to my Capital One card. After realizing this was a scam, I disputed the charge with Capital One. A couple of months passed by and I never heard anything from Capital One. I called the company and told them to return my money and that I disputed the charge. They offered to return $2, 500 of my money. I did not know for sure that Capital One was going to return my money, I was afraid not to accept the $2, 500. Losing half of the money was better than all of it. I signed a contract with them stating I would accept the $2, 500. I called Capital One numerous times to close the dispute. Soon after that, Capital One credited my account for $5, 000.00. I had to contact Capital One to tell them I could not accept the money because the company reimbursed me $2, 500 and I signed a contract accepting that. I had to Fax a copy of the contract to Capital One and they informed me that it is not valid because the company did not sign the contract. It only has my signature on it. I called the company and told them this and they are very upset because they are telling me that the contract is valid. Who is right? Also, the company made me send their $2, 500 back to them because Capital One debited their account for $5, 000. Now, Capital One came back closed the disputed charge and debited my account for $5, 000 and I am now out of my $2, 500. The company is very nasty with me and they want me to pay them $2, 500 more. They are telling me that I signed the contract fraudlently and they are now turning it over to their legal department. What grounds do I have here and is the contract a valid contract with only my signature on it?

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Brick B
, US
Nov 30, 2010 7:16 pm EST

We are small business owners in the construction field light commercial mason company, at the end of spring things were very scary and being with capital one for 10 years i thought the right thing to do was call and let them know what is going on just in case, well doing the right thing really can ***, we have been locked out of are account for 6 months they won't give us access. On aug 10th are real scary month i made to payment over the phone for aug and sept but instead we sent them 4000.00 my husband was in the middle of doing a line of credit for are company on aug 18th we called capital one to see if we could use one of the checks they sent us for 3000.00 i was told yes there was no problem but we also confronted them that the company for the line of credit said they had reported us over 30 days for aug the supervisor said to give him 3 days to check and he would get back to us which he never did but on aug 24 my bank called and informed me they sent the check back draining are checking an savings account and in the whole thousands, on aug 25th my bank and i called them the bank manager talked with a supervisor and she said it was a mistake and to take another check it's good no problems and make it for 3500.00 on aug 31st my bank called again they sent the check back again, this time we were hit with late fee's returned fee's again and nobody would do anything they really broke us i'm 100% disabled and no money for my meds, food, they turned off my electric cause i was on a plan i had 5days to come up with 700.00. The worst was we were declined the line of credit, we did receive a letter dated sept 13th that they let the credit company's know but it take about 60 days to come off no one will touch us now I'm leaving a lot out but it has been *** i have called to try and work this out and nothen but they had the nerve to call for my oct payment. They have gotten very sloppy in there notes when you call and it says your being recorded they don't but they have no idea the letters they sent me and i am looking for an attorney and i am going to bury them they expected us to eat all the bank fee's late fee's i still can't even get a amount to what we lost but I'm going for breach of contract 2x's they gave us permission to use the checks and didn't honor, defamation, fair credit reporting act. If anyone of you have the chance to do a settlement do it and run otherwise this is what is going to happen to you we were going to do the right thing cause it was are bill and like i said what did it get us

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12:00 am EST

Capital One credit card hidden fees and poor service

I had an Orchard Bank visa and cancelled it due to its hidden fees and poor service I have been making payments monthly to them and they keep calling even after i told them to stop but they want even more money.

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Cocoaflblkman
, US
Oct 31, 2018 12:36 pm EDT

I have been with caital one for 8 years with on time payments no increase or new cl when i get a new cl approval i will cancell

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Blanca Orta
, US
Nov 01, 2018 1:29 am EDT

Hello,

I am trying to get caught up with my account and capital one refuses to waive my fees. They have already restricted my account however they keep charging me fees. I am wanting to make a payment and bring my account current but capital one refuses to waive my $70 in fees.
My card # [protected]

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Hmc1997
, US
Oct 31, 2018 10:04 am EDT

I am offended by your - you and me commercial shoving the LGBT culture down my throat. I don't want to see it on commercials. People can live how they want but don't force me to see it! I have been a customer for many years. I will no longer be a customer. Maybe someone in the lgbt community will take my place!

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Mikel Shane
, US
Oct 21, 2018 8:43 pm EDT

This bank know a I was waiting on a bone marrow, they have taken over 13000 dollars in overdraft fees, in 2 years, from social security.

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Kyeine Hottcaligirl Rankin
, US
Oct 21, 2018 8:14 am EDT

Capital one refusing to release my funds to me with no reason at all. I was able to transfer funds to my account but is not able to collect the funds. My account is still open they refuse to close it and are allowing my account to collect interest. But will not release the funds to me.

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Bob Tech
, US
Aug 20, 2018 4:16 pm EDT

My actual car loan amount was $22, 618
I made 10 montly payments already of $430
($430×10= $4, 300)

My balance statement should shown a
$18, 318 ..after 10 payments

But..when i check the balance capital one says...$20, 776

...So my question is where the $2, 457 went?

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Jenny Garay
, US
Aug 16, 2018 1:10 am EDT

very annoyed need this resolved thank you card ending in 4201

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maryjowanna
Colorado Springs, US
Feb 15, 2011 8:35 pm EST

I do not owe this debt, and they are trying to threaten me into paying it.

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DEL2012
Leavenworth, US
Oct 25, 2012 11:23 am EDT

This really is a a bad Credit Card Company. They charge a hefty annual fee as well as tacking on late fees. You will spend more than it is worth, and in the end your credit will come out looking way worse than when you started.

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norcimo
Coconut Creek, US
Apr 22, 2010 1:21 pm EDT
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BAD STAY AWAY! STAY AWAY! I made a payment for almost the entire account balance amount...they put it on hold for over 14 days.. WTF is that? what kind of card is this? these people are so bad..OMG.. I called my bank to verify the payment to them, , they said it was and gave me a letter to prove it...and even after this..they would not release the payment... something is up.. these folks must be breaking the law...they are very fraudlent folks.. you cant rebuild credit this way..scammers for the annual fee..is all they are..

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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Capital One contacts

Phone numbers

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

Website

www.capitalone.com

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