Capital One

As a long time Capital One card holder, I can say that their service is below average competition, to say the least. DO NO TRUST THEM.
After have been a victim of fraud, they refused to help me and hardly damaged my credit records even after calling a representative that actually acknowledged that my only single late payment in more than ten years of perfect payment history, wasn't intentional, but a result of a glitch of THEIR system. ALL other of my creditors did outstanding on helping me through those difficult times, and were very careful not to hurt my credit records… SHAME ON YOU CAPITAL ONE, now I see why so many negative reviews and a score below 2 stars.
BTW, I gave them more than two years to fix it before writing this review.
NO, I do NOT recommend Capital One at all.

Juan M.

Bought some furniture for $2000. 00
Cancelled order. Customer credited me. Need to wait 3 months to get credit back? Via cheque not even electronically

If I could go back in time and stop younger me from opening this card I would a million times. The interest rate is ridiculous and after 2 years I called to request a lower rate and was denied without given a reason. Instead, the customer service representative J. P suggested I make higher and more frequent payments. Lol okay then you can pay it for me since its so easy to pull money out of thin air. IF YOU'RE CONSIDERING THIS CREDIT CARD, DON'T DO IT!

What can I say! Worst credit card in the world. I'm suing them if my score is touched. Long story short I have a 800 score and have had capital one card for 20 years and pay my balance in full every single month! My son in California needed medicine urgently and I gave him my card to put on his apply pay with capital one's approval. They even sent me a code to my phone. Few hours later they restricted my credit card so I start calling those idiots. Well they sent me all over the world customer care lol! They abused me mentally. Next morning finally some guy in Colombia from capital Re opens my card and so end of may of course I paid off my balance $722. Today a fed ex letter comes to my mom's address saying capital closed my card and that I abused their employees. Lol. If my score goes down I'll sue them so hard
They're already being sued $184 million. They're crooks with no phone number even to a real office. Instantly chase approved me today. Capital one you should hire workers who first of all understand English and number two who actually can do their job like all other banks. I've been a banker since 1989 and never ever saw a bank as unqualified and dishonest as yours. I don't need your useless card but my credit is my life. I paid you every month full balance. Richard Fairbank open your eyes and look your bank is in a class action lawsuit $184 million. Wells Fargo learned a hard lesson. Hire employees who speak English

An incredible cluster of an institution made worse by the fact that you really can't talk to ANYONE who knows ANYTHING
They have put a hold on my credit card (which has a spotless record and is paid in full every month) because of a misunderstanding they had with a different bank linked to my account
One month, 15 phone calls and emails and snail mails later, they still won't release the account. I really don't care about the card as I am about to cut it up anyways, but I want my ******* miles I have accrued. This seems like purposeful interference on their part, but good luck trying to find any recourse
I would STRONGLY caution anyone considering an account to not get involved with this gigantic mess of a company

I dread when I have to call customer service for anything! They can barely speak English or understand simple questions! Not cool especially for a financial institution! I'm thinking of leaving!

Dec. 2021-Present: I closed Walmart Acct "after requesting return codes" for orders incorrectly billed: Live Agent agreed to "return codes & credit acct---but closed account before issuing codes. CapitalOne agreed to provide "Purchase History & to ID Unauthorized Acct. Items". Given Case #, met every demand: CapOne "stonewalled, then attacked credit score (dropped 200+ points"). Reported to "Consumer Fraud: WhistleblowersAid.org" for relief (so can you).

I was 2 1/2 hours late with a credit card payment. I called to have the $25 payment removed and they put me on hold for 27 minutes because they had to call the back office (whatever that means.)
Apparently the front office rejected it so they had to call the back office. I don't know what they look up to figure out whether they can take a late payment off your account. However, it seems as though it goes through the Secret Service highest clearance procedure…(I'm obviously being sarcastic) AN AMPETHETIC person regretted to inform me that "as of this time they are unable to remove the charge! ARE YOU KIDDING ME… I will no doubt be canceling all business accounts or anything to do with capital one. My daughter has her car payments through them. That will also end…. If you need clarification on this review.THEY ARE THE WORST…

According to Crunchbase Capital One recently piled hundreds of millions of dollars into a travel software platform out of Montreal called « Hopper ». This platform is good for charging you but not giving your money back. Example. Last August I had to change or refund two Hopper tickets from Zurich to San Francisco. The flight was to be on August 17 and my wife had gotten very sick and had to return another way. So for 10 solid days before the flight I tried to contact 1) Swiss airlines which said I had to cancel through the travel agent,!2) the travel agent Hopper's website -which was « temporarily down » for over 10 days, and 3) Hopper's phone which referred me to the non-functioning website.
What to do? I went to Capital One disputes and said I couldn't get in touch' to change my tickets. After over three months and perhaps a hundred phone calls to Capital One's various dispute centers, and two determinations against me; I finally emailed the Hopper founder directly. Then it took another two weeks of promises before I got most of my money back- but not all.
Please save your time and anxiety and stay away from Capital One travel. It will only result in frustration and wasted time. Beware.

I would like to acknowledge Capital One and it's employees who helped me with two Vendors disputes of charges to my account. After numerous back and forth with Capital One they decided in my favor and put the money back into my account. Capital One is one of the few CC companies that works for the card holder not the Vendors. Most could care less about the customer, that is why I have kept my Capital One card for so many years. If you are looking for a good CC company I would definitely recommend getting a Capital One card, thanks again for good customer service. Patrick Zoccoli

I've got the same issue a lot of people have I've been with capital one for a long time I have 2 cards with them have done everything they've asked in order to build my credit I I have perfect credit now and I'm still stuck at the initial credit limit they gave me my 1st open music albums I never even got the special that if you make all your payments for 6 months you automatically get a credit line increase that never happened ever happened I've been paying all their fees doing everything they want and still nothing nothing they obviously don't care if you look at all the bad reviews we're just needs to get out like the commercial says what's in your wallet I sure hope it isn't capital one because I'm getting rid of mine

I have been a loyal customer of theirs for YEARS. Had 3 credit cards with them in good standing for YEARS. Three bank accounts. Which I'm now moving. I didn't realize I was late on a payment ONCE. They did not notify me despite having my phone, email, and app messaging. I logged on to pay only to find out they've cancelled ALL THREE OF MY CREDIT CARDS, and stolen all the rewards I earned, because I missed ONE PAYMENT A FEW DAYS PRIOR. Run far away from these criminals. I used to refer people to them/ now I say run.

I paid off my account and was subsequently charged $50 interest on a ZERO BALANCE. When I called, I was told that if my total balance isn't paid for 2 months in a row, they will continue to charge me interest on the amount that I paid off. So basically, I was paying interest on money that I HAD NOT BORROWED! TODAY, I called with a simple question. The first thing the rep said was I was being recorded. In the middle of the call, he told me inaccurate information. So I said I was going to record him and I wanted him to repeat what I was just told. He then said his supervisor told him that he could not repeat what he said before because they can't be recorded. That was so stupid. I could have been recording him the entire time. He told me that a payment that I had made nearly a month ago was still pending. That C1 had a NEW POLICY of holding payments. What a crock. I am closing this account immediately.

After accessing customer service to ask a question, the agent "seth" canceled my card and kept telling me that he can't send the verification link to my new email even though it was changed back in August. Now I am required to fix all issues he has caused which is impossible to do when I am not aware of everything he has done and nobody is willing to help. I have spoken with the credit bureaus and explained that my conversation with "seth" was sounding very different from the other times that I contacted customer service and they put a freeze which I am so thankful for, as since that day there has been 4 attempts at getting a loan using my information. Which conveniently "seth" had access to all of my information including my credit report and social insurance number. I had no problems with customer service until he was the agent who I was connected to and was rude from the stat.i can't find any information on how to solve this issue and I'm not even able to get a replacement card even though it was not of my doing to have it canceled. So be careful when speaking with customer service as they can and will do whatever they want to and you will be the only person held accountable for the problem caused by a company employee.

Reviews will be negative zero. After being a LONG time customer. I will be closing all relationships with your cards. I have submitted all information that I had for a fraud. The merchant LIED and also refused to give me any confirmation for reservation via phone and nor did they give me a "receipt" for the room we were in for a few minutes. Literally walked in room-smoke detectors and fire alarm went off. The merchant refused us back to rooms when cleared of which they cancelled the fire alarm. Then said we didn't abide by their "cancellation" policy. How in the world can a cancellation take place when there was NONE? How can I provide a "receipt", when the manager refused to speak with us via phone the following day and the desk clerk told us to F-off. We waited hours and finally went to another hotel to find a room. Your company is a piece of work in cohorts with fraudulent transactions. I will definitely pay it to keep my credit good or what the heck, I may pay off to that point and leave the $250.00 ad a charge off. I don't care at this point. I've done all I know to do. Discover is a better card at any rate.

Telephone Customer service is based in the Philippines and they really don't care what level of service you get. So rather than spending millions on TV ads with Kevin Hart and those backup football players someof that money would be better spent right here in the USA on national call centers!