Capital One

This is a dishonest company that uses a lot of gimmicks to keep and lure customers into their web of Credit Card purchases. Although I have made payments on time every month, I have a low Credit Card line of credit($750), which they refuse, under any circumstances to increase! To make matters worse, they recently sent me a letter that read: "Congratulations! You have been approved for a $200 Credit Card limit, as long as you deposit $200 into this account, and accept the interest rate of 30% plus!
I was, obviously, offended.

IN ADDITION TO ALL OF THIS, THE CAFES ARE A STUPID IDEA. Even though, by using your Capital One Card, you can get 50% off a Cup of Coffee in The Cafe, the reality is: Who Needs It? Wouldn't it be better to have REAL AND EFFECTIVE CUSTOMER SERVICE? Instead of getting all Customer Inquiries and Complaints sent off to The Phillipines -- or Colombia? WHAT A COSMIC JOKJE!

I don't think it's asking too much of a credit card company to have online chats available for customer service. First of all, you don't have to confirm your identity because you logged in. Second, you don't have to go through telephone torture. Third, if this is Capital One's way of saving money, it would be akin to a bottled water company saving money by bottling fresh toilet water. If I'm banking online, then I expect to find online employees to chat with. For all I care, Capital One's inhuman chat bot named Eno needs to die. I think he's already sick with a virus. You know, a computer virus. Because every time I ask him for help, he gives me a "Contact us" link that lists a bunch of phone numbers. What is this, "Little House on the Prairie"? Phone calls are so yesterday. I'm not going to call. I'll write them a letter and send it to them by boat over the ocean. That would probably be more effective, since it's obvious that no one's home.

I strongly caution against engaging with Capital One, as my experience suggests they operate as a scam company. Be wary of any involvement, as it may result in financial loss and unfavorable outcomes.

I've gotten my money back and that was only way I could go about it. I got help from. (I USED THEIR WEBSITE URL AS MY DISPLAY NAME AND PROFILE PICTURE ON THIS REVIEW INCASE YOU NEED HELP AND WANT TO REACH OUT TO THEM).

Note: I did this because of the strict policy over here and honestly i just want to help as many people as possible to get their money back.

Corrupt to their core! Stay far away from these liberal hacks...they are bad news. They actually let cancelled checks get cashed...yes. There is no guarantee they say! Horrible customer service. Bad business

I have had capital one for a few years and all of a sudden my account was closed without notification, my payments kept returning even though I made sure the payment funds were available for the next day which is when it usually takes it out. There was no call or follow up regarding these actions and the only feedback was to reapply! I will not be reapply and Capital One has lost a valuable customer! Hope this helps someone else.

This is our first and last experience with Capital One. CUSTOMER BEWARE. We have an excellent credit history and were approved for very low credit limit. During the holidays we meet that so paid the statement balance two weeks early to avoid issues with direct billing. Capital One says payment will be processed within three business days. Payment cleared our bank the following day but our direct payments are being declined. Thirty five minutes on the phone with customer service and we are told they won't process any transactions until 8 days after they have withdrawn the funds from our account. Even spoke to a manager and told simply that is just the way it is. Apparently customers who have excellent credit and pay full statement balance is not what they want. The absolute worse customer service I have ever received from a credit card company.

It's absolutely ridiculous how they will flag your account as having "suspicious activity" but when asked what was suspicious about the activity they say there is no specific thing they look for. Was literally on the phone for 25 min while in line at the store and was asked maybe 30 different questions. Ask to send in my ID and a whole mess of other things and the purchase was only 75 dollars like come on do better! I would not recommend them to anyone.

Have 3 cards with them. I get a email to apply for business card. I did ask my annual sales I listed it. Card approved. Next thing I know ALL my account frozen for fraud investigation. Asked to see my bank statements for annual sales and I provided same day. Called some rude foreign customer service. Who would not help me and told me 10 business days they will respond. Ask to speak to her boss she said she is the boss. I been with this Mickey Mouse company 5 years not 1 late payment. Will be move along very soon.

Capital One decided to cancel my credit card immediately and without warning. When I called customer service to ask what happened, they said that they had to cancel my credit card simply because I was, "paying it in full on time every month, and this is not helpful". So basically, being financially responsible and being dependable with timely payments isn't allowing them to charge exorbitant interest rates of 24.99%, and in my case, it is hurting their bottom line. When I asked what I could do to fix the situation, their advise was for me to take my business elsewhere. As soon as my final payment clears, I will be going to a different bank for a credit card.

Cancelled card no warning, as they are getting out of Canada, same high interest rate with zero benefits. They won't let you transfer the balance to another card either. Customer service is terrible if you ask a question they don't know the answer to they pretend they cant hear you and hang up. They will report missed payments that are actually paid and force the run around on you to get to fix your credit yourself. Stick to Canadian banks American banks are pure $#*! and don't seem to follow our laws.

I have applied on line for a credit card from Capital One on their website and immediately after I have start receiving text messages, phone calls and emails from a lot of different people, companies or sites. Be careful people, they are selling your informations or their site is hacked. I have tried to speak with someone from fraud department who definitely was someone from India or somewhere in SE Asia who asked me to apply for their Identity protection membership! Be aware when you apply for their services!

I have a $1,000 credit in it with Capital One with a minimum payment of about $30 a month set up on auto pay. To get my balance down I gave them $250 in March before my due date. On my due date they took an additional $250 without my permission. They took my money instantly but telling me they're going to mail me a check between 10 days and 2 weeks. This is causing my bank account to be overdrawn. Whatever you do do not sign up for autopay

I really wish I could get away from this bank it was better as ING. I receive disability and my account although they honor the drafts this is the results of not having enough money and banking. I've been giving it up like this for years. I'm so done.

I have 2 accounts with capital one for about 6 months, one secured and another is not secured. I have been takin care in order to fix and improve my credit. But today I entered to the app and surprise, they both were closed. They did it the same day I pay the monthly payment.
The reason, nobody had been able to explained to me. I just regret being trusting to this company.

Called automated service to make a payment kept cutting me off tried the following morning with success but received a late fee. Called customer service to have late fee waived was told it could not be done since it was the next day after payment was due. Beware of their automated service I think it's done on purpose for a way to take your hard earned money. Get away from Capital One if you can merely a rip off with horrible customer service.

Capital One has to be one of the most unhelpful banks I have ever dealt with and I have other banks I bank with as well. Their mobile deposits serve no purpose because it NEVER seems to capture pictures correctly for deposits. They'll hold a check longer than the actually day they "say" they will. Deposited a check and they're holding it for almost 5 days due to a holiday. After it said it would be available the same day. (A payroll check I deposit every other Friday) Customer service serves no purpose because they never seem to be able to help/assist with ANYTHING! Let's not get me started on their credit cards. I'm closing out my debit cards and I'm going to do the same with my credit cards. I'll just have to take a hit on my credit score. Because Capital One ain't it and it becomes very stressful/frustrating being a customer for over 10 years having to deal with poor customer service. It's not worth my sanity or peace

First of all, an Interest rate of 30% is a disgrace! They are not flexible at all and recite from a book like mind numbed robots. After paying my balance in full, I immediately closed the card. I had previously asked for help in paying the card and their answer was to give me 3 months of reversed late fees if necessary. Unreal! I cannot blame them for my balance but I can say that they, unlike other banks out there, have zero flexibility. You are better off with no credit at all than to use capital one.