Capital One

After years of being a loyal Capital One customer, I am appalled by the way my recent and only fraud claim, which I have made throughout the years, was handled. Someone, somehow, obtained my credit card information and made a fraudulent purchase with my card. Capital One's "investigation" concluded that they "couldn't find enough evidence to prove I wasn't the person who bought it." This is beyond insulting. It feels as if Capital One has chosen to treat a long-standing, loyal customer as a liar and a thief. This experience has completely shattered any trust I had in Capital One's commitment to protecting its customers. Their "fraud protection" is a complete sham. My loyalty means absolutely nothing to them. I feel dismissed, disrespected, and utterly betrayed. This is unacceptable, and I will be looking elsewhere for a bank that values and protects its customers.

Liars and frauds. I requested that the two late payments I had 3.5 years ago during COVID protection be removed. Instead, they falsified my details and changed them to recent late payments, further hurting my score.

For over 8 years now, I have not used my card or account for a very simple reason: Capital One only has ONE customer verification method: a text code to a US-based telephone number. Problem is, I don't reside in the USA--I am retired abroad. Most other companies I used (Amex, Citicard, my US bank, Paypal, all text a code to my overseas number or to my email address for authentication, but not Cap One. So periodically they send me an email threatening to close my account, and every year I call them to see if they have updated their verification method, and every year, after spending 20 minutes on the telephone with customer service, they tell me the same thing: they can only text to a US-based number. Well, I've had it. I'm going to let the account close and be done with them. Not everyone resides in the USA or uses a US telephone number. Why should we? I'm retired and living overseas. I am not going to buy and maintain a US number just for these jokers so Capital One: I'm done. Adios and hasta la vista.

I've spend quite a bit of money on my credit cards that I have with capital one.
I had one dispute for a $127, and capital. One keeps running me through the grinder. Asking me for more information, even though I sent everything that they needed to write off the expense.I am going to be canceling the credit cards that I have with them.
I run a business, and I would accredited a customer that's been through everything.I've been through not to lose a good customer, but apparently it doesn't matter any data companies...

Capital One sent me a credit card that I never applied for with a $500.00 limit. I decided to use it for my business and I would use it to buy pizza supplies for my pizzeria. At the end of the month I would pay it off. Sometimes I would use it and pay it off the next day. Today they sent me a fraud notice email and they told me to call them ASAP. I was pretty concerned so I called them right away. The fraud had nothing to do with any purchase but rather because I was paying off their credit card on time every month. Now they want me to prove that I was making the payment even though I have never missed a payment or a payment has never been returned. They actually said that someone else could be making a payment on my account? I said, please tell me who this person is that would be paying off my credit card every month?

The bottom line is that capital one is upset that they aren't able to charge me any interest because I pay the monthly balance off every month. Screw them!

Online no help, phone banking can't help so go to a branch except they have shut most of their high street banks and those left open are understaffed, Interested and clearly have no connection with their actual clients.

Services I needed…? Pay a bill and activate my daughter's account. Not exactly rocket science.Someone advised me to report the case to GAARD,IO I gave the the necessary information they needed and I waited for few days the I go my money refunded back to me

Capital One gives customers wrong information. They say when you use Capital One card and make a purchase through Expedia, you will get 12% back. It is a big lie. They rob money from customers because they do not give the 12% back as promised. Be careful not to fall in this trap.

They want a copy of my driver's license and ten days to review documents to get a credit card reissued. USAA overnights it.

You run the risk of lowering your credit score although it says applying doesn't impact your credit score. IT DOES!
I was offered a credit card with a $200 deposit. I didn't want to do that and after two days my credit scored lowered by 2 points. Not ideal if you're really working to increase it.

No assistance, phone banking is useless, therefore visit a branch instead. The majority of their high street banks have closed, and the ones that remain are understaffed, uninterested, and obviously disconnected from their real customers.

What services did I require? Activate my daughter's account and pay a bill. It's not that difficult.I was told to report the situation to *TRE/ (BLES) /LTD(COM)** I provided the details they requested, waited a few days, and then received my money back.

Capital One's systems did crash,
Right as lawsuits came in a flash.
Their fraud was exposed,
Their doors nearly closed—
Guess downtime is cheaper than cash!

They fail to protect your money even if you work through the case process to get your money back with proof. I am out $123.00, and the seller got their item and my money back, too. The item was a counterfeit item car screen. It was purchased through a link on Instagram. My son purchased it. Weeks later, it didn't come, so I opened a no-receipt claim. A week later, it came to contacted Capital One to change it to a counterfeit item claim. When it arrived, it had Chinese writing all over it so I refused it. I told C1 all of this, but even after the appeal, they gave the seller the funds. Capital One 360 is very untrustworthy and will not protect your money. I would advise anyone to choose another company. Customer support is non-existent and very unhelpful.

Was promised a $200 reward for getting a friend to apply and receive a quicksilver cap one card which she received but never got reward even after talking to a supervisor they said nothing they would do. So my friend cancelled the 29% cc. Terrible service, very disappointing. I'm cancelling my card as well.

This company isn't worth your time
This company isn't worth your time. I've been a customer for 10 years in both auto and credit. I'm thankful I didn't get a mortgage through them. My wife also has become a loyal customer because of it. I had in mind to build an advantage in credit purchases by being an exemplary loyal customer. This company never increased my credit limits, gave me a fair offer or followed through when I expected it. We got well over a dozen preapprofved auto offers basically promising up to ******* between my wife and I for a car. I applied for4r a used vehicle. Everyone else said yes. They said no. Not a dollar. This is far from the first time but it's going to be the last. The customer service when I called in was as I totally expected...worse than useeless.

Date of experience: January 11,2025

You do the pre approval they say yes your approved and tell you your limit then you fill out the whole thing upload ur info then selfie then they change it to a secured Mastercard where you have to put the Money on it yourself but still get charged interest. Noooooooo thanks that's why there's a thing called a bank account.

I need to call several times due to customer service being horrendous. I'd avoid this business and go with one that is transparent with its customers.

Capitol One Customer Service is the Worst
It is near impossible to get anyone who understands English. They know English words but can't comprehend the English language. I had a restricted card for late payments due to a car wreck.
Hospitalization. They lifted restrictions on another card but not one. I think the original agent didn't enter all the information. They said they couldn't lift it but it wasn't canceled. They don't understand restricted verses canceled. Four different agents just kept pushing me to open a new account but you can't open a new account with a restricted card. It was the worst circle with everyone. I canceled the account. To which they said, no more charges would go through. It was restricted so they wouldn't go through anyway. I am canceling my other 2 cards and the car loan I was just approved for from them. I would never give them business again.

Capital One is substandard. It is an extremely toxic and stressful work environment. The customer service turn over rate is beyond unbelievable. The pay is insulting, hours are not condusive to work life balance. Management are just gloried baby sitters; constantly micromanaging each employee. Human Resource along with the trainers lie to get you to drink the stale kool aid. There is minimal room to advance unless you brown nose or throw someone under the bus.
They make decisions which are irrational and then have front line employees deliver unwelcome news. There are constant system issues and old antiquated system.
There are tons of class action suits due to this company being a greedy, nasty wanna be corporate giant. I wouldn't recommend my worse enemy to apply here.

We have contacted numerous times over the last seven weeks as this began August 25,2024. Scammers were able to change our phone number address and issue themselves new cards through our online banking. Capital one solution was to issue us new cards versus canceling account and canceling all virtual cards. Subsequently the scammers were able to deplete our points and also deplete our entire checking account because our card was connected to our account for easier payment we've had this card for over 20 years and we will be canceling both cards as soon as they unlock our card again even though we've sent in verification and copies of drivers licenses they still have not protected us.