I came by to log in to my account on the mobile app and i was quickly noticed that both of my checking and credit card account being closed for no reasons. Mind you i never had any communications about the closure of the bank account and the credit card which i assume they are lacking in communications. I only been with them for only 2 years and since then on today as of June 20,2024 they decided to closed both of my account without any reasons and they accused me that i had an unusual activity which is false because i never done anything that violates their "terms and condition' or their stupid "relationship of banking". So here goes my horrible day, so when i spoke to the customer service (by the way they were horrible and they didn't help crap about anything to resolve my problem) and while i was on the phone with them explaining my issues with both of the account being closed for unreasonable reasons to the customer service, all they gave me was they couldn't do anything about it and was told that they couldn't provide any information to why it was closed. Instead, they insisted that i would wait for a letter in the mail within 10 days just to clarify of why my account checking and my credit card being closed and that as mentioned they couldn't do anything about it. I always pay them on time and full every month and the moment i was about to pay the remaining balance just so i could use to pay my bills, they have restricted my credit card which by the way means they closed it and now i have to wait until every thing is paid off and while my bank account with them have also been restricted and was in the process of closing as well. I explained to all the customer service i spoken to why my account was closed in the first place for both my checking account and the credit card account, they refused to give any further information as stated they wanted to insist me to wait for the stupid dumb letter to arrive for the reasons why it was closed. SO OVERALL, to anyone that wants to bank with this crappy disgusting bank I WOULD ABSOLUTELY NOT RECOMMEND THIS BANK AT ALL COST AND NEVER WILL RECOMMEND THIS BANK TO ANYONE INCLUDING FAMILY, FRIENDS, STRANGERS, ETC. TO HOW HORRIBLE THE CUSTOMER SERVICE IS AND THAT BANK ITSELF CAN GO F**K ITSELF AND ROT TO HELL BECAUSE THEY ARE DISASTROUS AND ATROCIOUSLY DISGUSTING THAT THEY WOULD DO THIS TO PEOPLE LIKE MYSELF AS A LOYAL CUSTOMER. RIDICULOUS AND TOTALLY ABSURD. I HOPE THAT CAPITAL ONE WILL LOSE MORE CUSTOMERS THAN TO GAIN CUSTOMERS BECAUSE OF HOW HORRIBLE THESE MONEY GRABBERS THEY ARE TO LURE CUSTOMERS IN AND THEN TREATS THEM UNFAIRLY. DISGUSTING AND COMPLETELY INJUSTICE.

I'm a new business owner and I decided to open a small business account with Capital One Financial Institution in real estate as a new business owner as of September 2023. As I received my first deposit correspondence. I felt I was finally an official business owner as in April 2024.
I set my profile on the app and awaited grant funds and also personal loans as well as my colleague's contribution. I can now start my first bid to wire transfer.

From here, I get a representative "Kevin" that asks the purpose of this deposit upon his personal perception, who is the deposit from, what's their name and phone number? Where is it going? I explained it for business purposes and I'm also in real estate to conduct bids on purchasing. Mr Kevin proceeds to inform me that he has never seen or heard of such before to purchase using my wire account that was previously set up before I even opened an account with Capital One?
Then he proceeds to ask me unwarranted questions and as I try to gather my information and give him an answer he proceeds to over talk me in a response about what happened with a previous customer that he's dealt with that was fraudulent. Well, from there I was ultimately disgusted to hear about someone else's personal issues, that I'm sure trusted Capital One Banking Institution not to divulge their personal business? Nevertheless, at the personal opinions given, I stopped and listened to his Obnoxious comments as to the questions being asked. I've been in real estate and customer service for over 37 yrs and this conversation was definitely intimidating and insulting as well as it was racist to me because he made it personal ( my opinion only). I actually was quite speechless because I have never been put through this before with questions as to this when it comes to a new business venture. This representative of Capital One Banking Institution made me feel like my first experience was unwarranted because of a past customer he's personally dealt with in wiring finances. I always thought and believed that your financial institution is and always, that you as a customer have chosen to bank with should have a fiduciary relationship.

Since then I've spoken with a supervisor only in reference to the unwarranted phone conversation and wanted to file a complaint. The complaint was filed with a supervisor of Capital One Bank. I proceeded to speak of how I felt as a new business owner for the very first time trying to take the first step. I also explained how Mr ``Kevin" made me feel like I did something wrong. This is all new to me and I can't start off this way being insulted and compared to his previous customers, it made me push back on my decisions as some things I'm not aware of. So in my world, and all others I know, businesses we have testers. This is to make sure information, questions that are given and obtained are accurate, consistent with every single customer that banks with Capital One and any other financial Institution. That NO one is being prejudged on their profile picture or the following: Race, Color, Religion, Sex, National Origin, Age or Disability, Sexual Orientation, or Gender Identity. This is a complete definition of Discrimination. Unwarranted opinions on someone else's personal business account. I didn't ask him to divulge pertinent personal information about another customer, but I'm sure that falls within the guidelines of protection of Privacy. Also, the issue of how much money falls upon their account and what it's for? How's it being used? Whom did it come from? What's their name and number and also, where do they reside?

I'm putting this in as a review because we all want to be careful of who represents our finances and also what personal information is given about a customer's business as an example for new customers.

Stay Safe

Signed Account Closed
Principality

Family was getting ready to travel overseas. Generally use Capital One because (one of the only positive things about this company) they do not charge international transaction fees….

Anyway, everything booked….only days before we are scheduled to leave….they decline (without contacting us first) the total payment for my apartment rental.

Over the Christmas Holiday….apartment/hotel arrangements are scarce where we were traveling. We knew that the full charge would be going through shortly before our departure. Everything else in preparation for the trip went through just fine. There was a disclaimer on the apartment rental site, that if funds are not paid by a certain date/time, the apartment could be re-listed/rented to someone else.

My wife and I are away from home when we get this notification. We go online and click that is was NOT fraudulent….but it says that we have to run the transaction again. Well…we did not have the physical card in our possession at the time (so no access to the security code on the back to re-enter the card on the apartment website)….so we try to call customer service for help.

After a protracted time (>20min) pressing buttons on the automated system….I was disconnected. After a similar protracted time pressing buttons on the automated system I am connected to an essentially non-english speaking representative. I explain our dilemma and initially calmly plead for help as I didn't want to run the risk of losing our accommodations right before we were scheduled to leave. In response, she was CLEARLY just reading from a script off a computer screen, and given the language barrier….it was not clear at all that she understood the issue. I asked to be connected to her supervisor. This also took a protracted amount of time.

Her supervisor's understanding of english was better than hers, but was still not great. I re-explained everything. He re-read everything off of the computer screen. I RE-explained the situation….and he re-read the computer screen in a condescending manner….basically saying there was nothing he could do to help. I inquired if there was anyone there that could do something to help process this charge/payment so we didn't risk losing our accommodations right before we we scheduled to leave. He was completely unhelpful and essentially just wanted to hang up. I was extremely frustrated at this point and expressed my dissatisfaction in a more colorful manner than necessary….but when you basically waste a customers time (well over an hour on the phone) just to tell them you can't / won't help them….what good are you.

We used another card to pay the apartment accommodations so my family would not end up overseas and homeless. Cost us some transaction fees, but so-be-it. But….WAIT….this story gets WAY BETTER/WORSE.

We travel overseas (wonderful trip). Still using Capital One with plans to cancel on our return home. My wife gets a text and email that says $8200 have been charged (totally fraudulent)….check the app….no charge there….check online….no charge there. She calls customer service and after a protracted time with the automatic system, one random disconnect, and two agents….they say they don't see the charge, but deactivate the cards for us. Neither of the agents could speak fluent English. Also….kinda strange that they sent an email and a text about the fraudulent charge but couldn't see them either.

I find it hilarious that Capital One notified us and preemptively CANCELLED a true (significantly lesser) charge for our accommodations, but let a $8200 charge seeming go through (even without record of it) requiring us to call/dispute and spend over an hour of our vacation on the phone with customer disservice.

IT GETS BETTER. Upon returning home from our trip….there was a FedEx from Capital One….we opened it to find a nasty, threatening note chastising me for how I spoke to the customer service representatives on our first interaction. Totally ridiculous!

Needless to say….I will be closing ALL my Capital One accounts. Also…FYI….found out that ApplePay also doesn't charge international transaction fees. I would strongly suggest people avoid doing business with this company.

FFFFUUUUUCCCCCKKKK OFF YOU AAAASSSSHHHHOOOOLLLLEEEE PIECES OF SSSSSSSHHHHHIIIITTTTTTTTTTTTTTTTTTTTTTTT

I'm writing this as I'm currently on the phone with them, this is my 7th phonecall with them because they have simply hungup or transferred me to departments I have ABSOLUTELY no business with. Except this one southern lady, she was so polite and really tries so hard to help by finding me the right person to talk to. I haven't been able to access my account in 2 weeks and everytime I have called they have told me to wait a few business days, but they couldn't do anything about it. Finally today, I thought I got help from this kind young man whom seemed polite, but then without consulting me he decides to update my personal information. All I needed was to gain access to my account so I could make a payment, and he suddenly says I need to update my phone number, my date of birth, social, banking info, etc. I had already added that informaton to my account about 4 years ago and I update it yearly without any prior problems. Now finally he says he fixed it but I won't be able to access my account for about 7 business days now. Now I am not able to make a payment or access my account. But they said they fixed my problem! If I could rate zero, I would. #youjustmademeKarenout

This was sent to the VP and no reply besides the charge back and saying insufficient information for a refund. TAKE MY ADVICE DO NOT DO BUISNESS WITH THESE PEOPLE!

27th July, 2023
Jenn Schuerich
Vice President, Capital One Travel
1680 Capital One Drive
Mclean, Virginia *******

I would like to let you know about my most recent experience with your company. Earlier this year, my wife booked a trip to Maui through Capital One Travel. This trip was to celebrate our 20th wedding anniversary. We had saved for several years to afford this trip, as we wanted to make it a memorable vacation. Unfortunately, due to your company's lack of customer service and empathy, it was memorable for the wrong reasons.
On July 14th, 2023, the day before we were set to fly out, I opened up the Hawaiian Airlines app so I could check in and get our boarding passes. I immediately noticed that for some reason, the ticket that should have been for me, "Jason Morton" was designated for "Jacob Morton", our son. I immediately called the Capital One Travel customer service line to resolve the situation. I was informed by the first person who helped me that they would be unable to change the name and the only way I could resolve the issue was to cancel the trip under "Jacob Morton" and buy an entirely new ticket under my name. He also said that I could try calling Hawaiian Airlines, as they would be the only ones who could solve this problem for us. I called Hawaiian Airlines who could see my name in their logs, but was told by them, since I purchased the tickets through a third party they were unable to help me.
I called back to Capital One Travel and told them what had happened. Again they refused to help me, only saying they cannot change the name. After going around and around with them for awhile, it was obvious I wasn't going to receive any customer service from them and since it was already around 8pm the night before our trip was to begin, I had no other choice but to pay for another ticket, an extreme financial hardship. I told them to go ahead and cancel Jacob's flight and I would have to repurchase. I verified before I got off the phone with the woman who I was speaking to, that Jacobs trip had been canceled so I could quickly purchase my ticket and try to at least get seated next to my wife. She said it had been completed and I could safely repurchase.
I got off the phone with them and returned to my computer. When I looked at the capital one travel site, it still showed Jacob's flight, so I called back to make sure it had been cancelled. The man who answered my call looked at the trip and told me that I was safe to repurchase the ticket under my name. He told me that he was going to put me on hold as he had to "look in to something". When he finally got back to me he informed me that there was a problem, and that the person who was previously helping me had cancelled part of my wife Phyllis' flight as well. He then said that this would take some time to resolve and would call me back.
When the service agent called me back, he told me that they had listened to all of my calls with them from the evening, and that this was my fault claiming that I had told the prior agent to cancel the entire trip. At no point did I ever tell them to do this. I demanded that they resolve the problem with my wife's flight, but they said there was nothing they could do, because your "supervisors" who are responsible for resolving these types of complaints were not working at the time, and I would have to call back the next morning to resolve it. At this time, Phyllis still was booked for the outbound flight, but your company had cancelled her return flight. At this point, your customer service team was no help to me and caused extreme distress, as we had a condo, trips, and a car already paid for and reserved for this trip.
When I awoke the next morning, I logged in to the Hawaiian Airlines app and now found that my wife's flight was completely cancelled now. This is now 4 hours before our flight was to depart. We called back to the Capital One Travel customer service and spoke with another supervisor, "Gabriel". He told us he would call us back, so we continued to the airport in the hopes something positive would happen. Gabriel called us back as we arrived at the airport and told us that he listened to the calls as well and found that it was not my fault the night prior and he was able to rebook Phyllis' flight.
After the horrific experience we had with your Travel company, I felt compelled to let you know what your customer base is experiencing. Your travel company ruined a once in a lifetime trip my wife and I had together. We feel that what happened to us in our experience was fraudulent. The way your agents manipulated the situation to cover up their mistakes was unacceptable. Therefore we have disputed the new charge for the 3rd ticket we had to buy in the amount of $1697.23. I would expect at the bare minimum we be reimbursed for the extra ticket we were forced to buy, when one of your agents could have simply handled this professionally and not put us through this nightmare.

Yes, I know it's no one's fault, not Capital One's and surely not mine, that inflation came along and the Fed has raised interest rates SO HIGH, that no one can afford car payments or credit card payments. But I just had two supposed "senior account supervisors" at Capital One tell me that there is "nothing they can do" to reduce the interest rate to help someone like me, who wants to pay them off and who has stopped using the card completely for year - the last guy with an Indian or Hispanic accent telling me that he doesn't have "a magic button that can reduce the APR", that they have "no control" over interest rates. I told him that Capital One owns the card - they can do whatever they want - but as has been mentioned by others, this company WANTS customers to default - they hope they get some outrageous late fees out of you first, but from what I've read, they WILL sue customers - and these are customers they have known all along were a risk and may get into trouble. The accent man I spoke with kept talking over me and arguing with me - he was pretty terrible but also very representative of the kind of customer service you would get. I called them for help and they tell me they don't have a "magic button". It was never my intention not to pay them, but I cannot afford to pay them over $100 a month in interest alone. At present, my interest rate is at 30% and out of my minimum payments over just over $150, the interest sits at $110 a month. It hasn't helped that I have read a couple of articles written by ex-executives (people like these senior account supervisors I spoke to) that say around the office, customers who get themselves into trouble are a BIG JOKE. They even have nicknames for us and they laugh at how we struggle to pay. This is actually their business model and why decent human beings won't work for them. I couldn't even imagine having this company as my BANK. I had my auto loan with them years ago and I thought they were a stand-up company. I am seeing the truth now, only too late. People with great credit should stick with the Citi cards or B of A or Wells Fargo or Discover. Don't even mess with Capital One. For those of us with less-than-stellar credit: BEWARE. You won't find any help here if you ever need it - and know there are first hand accounts that say the employees laugh behind your back and call you LOSERS. No one needs a credit card so badly that they have to put up with such a lack of respect.

So i go to long into my account. Blocked? I call and they want additionalverificationby way of my photo license. Having confirmed their call center is offshore. Not happy to send that online. But they had no problem closing the account without further verification

I had called to ask for a credit increase on my account as it is my only card with a limit below $10,000 and specifically asked if I was eligible to ask or if I had to wait so many days after opening (had the card for 6 months never carried a balance etc) and was assured I was eligible at any time to apply for an increase and spoke 2-3 minutes about this to ensure I would not be denied in which I get a decision email hours later being denied for the account type being a secured card and not eligible for one year from time of opening. I called back to ask if anyone could listen to the recorded call I had previously to hear the conversation and specifically the question I had asked and give some resolve as I had felt lied to and was told that anyone can request a limit increase at any time because they cannot tell you not to ask and regardless of account type and that the prior representative didn't lie because I had been given the terms prior and did in fact request the rate increase it was just automatically denied which I personally feel like regardless of terms if I call in and verify all this info so that they know my account and have my terms in front of them regardless of anything emailed to me months ago I should be able to call in and be told I was not yet eligible for another 6 months regardless if the system can process the request because that's their entire job as customer service is to answer questions and provide resolution to issues yet even when asking for someone to manually review the increase and make a decision based on circumstances and credit history it was relayed as not possible for another x amount of months. I also asked her if on a personal level she felt they had lied or done anything wrong and was told no by a supervisor in which case I closed the account and will absolutely never get a capital one card again. In the same day prior to any call with capital one I was given a 30k limit on a new Amex blue preferred, and a 12.6k limit on a new chase freedom for reference as to my credit history. As a consumer I feel this company to be disingenuous and outright liars regardless of anything sent prior I specifically asked the question and was given the answer of the system can process anyone at anytime, what an absolute terrible policy to have. Of course the system can process the request that was not the question I was asking and the person knew exactly what I was asking I have no doubt whatsoever in my heart and therefore cancelled the account because 1 account in good standing may help a little but for where my credit already is I have no desire to give my money to liars and I hope anyone reading this does not either.

A true story. Whats in your wallet?! They are just nothing but BULL$hit!. I use to bank with Capitol One bank for direct deposit and other needs from a bank. So I didn't get a order I ordered off of Ebay, I contacted the Ebay seller and told him I didn't get my order, over and over Again, so I new it was time to file a claim where u didn't receive the Item u ordered online with Capitol One bank. I told capitol one I didn't get your order so u file a claim to get your refund for the item I didn't receive, Weeks pasted, I still never got my ordered from a seller on Ebay. So Capitol One issued me a temporary Credit in my account for the order i said I didn't get, And the seller told Capitol One I did send my order, they send but I said but didn't get my order, I told Capitol One I didn't get my order, so later on Capitol One took the seller Side and they went against me their bank customer, when I told them I didn't get my order, otherwise I wouldn't of filed a claim, so Capitol One bank said in a few days they was gonna go into my account and take that temporary credit out of my account back cause they say i Did get my Item i ordered when I never got my order ok. I call the Capitol One bank and they said, Those Asian workers, sounded Evil too I did get my order and they say they still was gonna take their temporary credit money out of my account in a Evil voice, so I pleaded with Capitol one that I did not get my order,, Capitol one sounded so evil over the phone, So I Hurried up & hung up my phone in their face and Rushed to found another bank in a hurry for my direct deposit that goes in my account at Capitol One,, I new CapitoI One thought since I have Direct Deposit, they can easily Steal my money out of my bank account. I got lucky and found another bank for my direct deposit and Capitol One just new they was gonna steal my money out of my account but i got smart and found another Bank for my service needs. I say never use a bank that turn against their customers when banks are suppose to have their customers Backs when Merchant be lying to steal your money ok. Capitol One they all are REAL DIRTY& EVIL And I know I'm not the only customers who went threw this with this CROOKED BANKS & All banks, like Capitol One. 0 Star if I could.