Capital One

This has been the worst experience of my life, refinanced my auto loan thru them and it has been a cat and mouse game since. None of the offices communicate and we have sent everything in that they asked for but they rejected the paperwork. Worst finance company ever!

Worst customer service. They don't waive any fees. Not even once a year as a curtesy to the customer. Same phone number to resolve any issue. Supervisors are not authorized to do anything a regular agent wouldn't already do. I had my account for 16 years and I never received a credit increase. I don't presume they would be very helpful with any fraud either.

Almost lost my homeowners insurance because they did not deliver a bill pay check. Took over 11 business days THEN they wanted me to wait UP TO another 10 business days to get a provisional credit back to my account. Bank locally this is paramount to theft.

I keep getting a charge from a merchant that I did not make. I called Capital One and let him know and they reissued me a new card which I locked. So now I am getting text messages from Capital One asking me if I try to make a purchase from this company, they asked me to text back yes or no. So when I text back no of course I have to go through and I end up getting a new card. This has happened three times and the last two months so I am on my 4th Capital One card. I called in to them asking how this is possible that they could keep letting a merchant who does not even have my correct card number charge me and Capital One tells me I need to let the charge go through to dispute it. I informed Capital One that I do not have the time to call in and be put on hold and wait several hours for them to do nothing. That's exactly what they do nothing!

To recover your account appears to be the biggest hurdle with Capital One. I simply changed my phone number and have lost access to my account, and they will only allow verification through the old phone number, which I no longer possess. The only way to contact support is through a telephone call that takes 20 minutes. I have also had multiple experiences with rude support staff who talk over me when I am just providing them with all the information for better assistance, and they treat you as if you are a child. Even then, in the end, you don't receive any help but just get a case started that never gets resolved. I've been trying to access my cards and can only use my phone to pay. Even when the phone number is updated, it won't allow it for verification. One reason why I became delinquent on one card was due to the difficulty of regaining access. It almost seems as if it is either intentionally designed that way or the result of extremely negligent customer service. But either way, it's unacceptable.

I searched online last night for CD rates and Capital one came the best apy. So I went all the steps and filled up the form and transferred the money from my bank account. The last page was Call *******802.
So I called this morning. I was transferred three times and the last one told me she does not see my application and could not do anything. This is wonderful customer service!

I opened a checking account a few days ago and I was told It was active and everything was ok by a representative on the phone today. I checked my email tonight and I was sent an email at 8 pm saying my account is restricted because I didn't send a picture of my ID. I wasn't even asked to do so. I wasn't told my account would get restricted. I am very upset. This being said they don't have any physical office where I can talk to someone. I want to be able to go to a bank in person! They wont let me send an email which a picture of my ID which means I have to take a picture and make sure it's not blurry, etc and wait two days for them to confirm my account. This is really annoying and absolutely upsetting!.

A reoccurring deposit of my payroll check had a hold put on it. I deposited the check on a Friday afternoon and will not have access to the funds until Tuesday after midnight the following week. Same Employer, same check from same bank from same account the payroll check was wrote on. I had made several calls to capital one only to have
Thier customer service reps. Threaten with an even longer wait time to make funds available. This has been the worst experience I have ever had with a bank ever. Capital one has been a head ache from day one and I would not recommend this bank to no one. Run, if you work for your money and want access to it.

I lost my credit card. I contacted their office and was assured they would send me a new card with a new number. They additionally sent me a letter saying the new card was sent. Days later I received another letter saying I would have to fill out an information form which I was unable to understand or return from my computer. Every month I get a service fee for $5 even though I don't have the new card. I specified they should cancel my account if they were unable to send me the card. A 3rd bill just arrived... plus no card. They note on my bills that my new non-existent card ends in the numbers 7995. Stay away people, stay away.

I had issue with Groupon and Capital One disputed the claim for me. Then Groupon put charge back on my account. I have talked to 10 or more people at Capital One. Most do not speak good English. There are a lot of people from the Philippines. They do not have good comprehension. Capital One sided with Groupon and said I would have to dispute each charge if Groupon keeps putting charge on account. The manager at Capital One told me that since Groupon had my number that they could make reacuring charges, and even if I changed my credit card number, they could still charge me. I talked to many managers. They didn't care. I do not like this. Capital One should protect me. This has been a total pain to deal with. I have had card for 18 years and I just decided I didn't want the hassle anymore. Capital One should protect me and not let creditors abuse me. Therefore, I do not deal with Capital One anymore. I closed my account.

This company has always been a joke. They use to be a company that extended credit to people who had a hard time getting credit. Now, they've taken on all kinds of things, like regular banking and auto financing, and think they're the best. They aren't, they're still just that crappy company they've always been.

I got an email that my account had suspicious activity. When I called someone who barely spoke English answered. When I tried to explain my situation to the rep, he could not understand me and I could not understand him. After ten minutes of our noncommunication, he told me my account is now closed. I called back today and talked to someone who does speak English, he said my account has had an internal review and is now closed. No explanation, no review of what the non english speaking rep said about my account. Just one huge hassle dumped on me when I have no time to change all of my automatic debits. So if you want to deal with reps that you cannot understand and they cannort understand you then Capital One is for you. Otherwise, I would pass.

I have a customer in my shop, NJM insurance has a bad habit of putting the finance company on a check that is for repairs, so Chrysler capital deposits the check that does not belong to them and jerks the customer around for two months, when all they have to do is endorse it and send it to the repair shop. And they had no right because the customer did not even endorse it, so they must forged their signature, stay away from Chrysler capital, they are so nasty and incompetent. They made the customer make two payments for nothing by letting their customer vehicle sit unpaid in my shop. Real lowlifes. Go to Gm they will treat you like gold, that's what I did, I love my caddy.

Tried fixing my credit with their secured credit card. Put my $200 in. Took about a month in a half to get my card. Supposedly my first payment didn't go through although it did I have proof from my other bank statement. So I was charged another $25. Continued to make a $100 payment about a week after my first payment. That took about a week in a half to show up on my account because of the "failed first payment". When the funds hit my account, only $48 was available. I called they said because of the first "failed" payment that they're holding the other money which didn't make sense. Where is the rest of my $100?! I canceled the account. They said it will take 2 payment cycles to receive my money back via check. So it's going to be 2 months to get $48 after my $125 payments. Thieves. DONT USE CAPITAL ONE!

They promised me a sign up bonus so I got this card, and spent the amount they requested and not they refuse to give me the bonus saying that I didn't qualify. This is what scam artists do. I am so disgusted by this bank and canceled my credit card immediately. You won't see a penny from this household

Been on the phone for at least an hour every day for the past week about disputing a charge and no one can help me they just keep putting it back on my account. Said I made a cash advance from my car dealership and even car dealership denies putting payment for cash advance. Even though me and the merchant are both saying it wasn't done they still are charging me for a cash advance

Absolutely ridiculous. After 3 months of battling with misinformation given by Vrbo in regards to my request to have Capital one chargeback my $521.82 to me which leads to Capital One reversing the charge giving Vrbo the $521 back to them leads me to not getting refunded by either group. Capital One says "I'm out of the time frame for chargeback request" when indeed I've requested the refund in due time. After giving Capital One the documentation showing that Vrbo gave them the incorrect information nobody wanted to reopen the case and give me my money back. So now Vrbo will not give me my money and Capital One who acts like they're on your side is not even trying to listen nor help. Do not be fooled they did it to me and they will do it to you.