Capital One

Would give 0 stars if i could called to report fraud and representative was rude accusing me and harassing me and threatening me this is the worst experience i ever had with a bank! Please stay clear because they will NOT HELP YOU

I verified myself and who i was with a customer service rep when i initially got on the phone and spoke with the first rep. He transferred me and introduced me to a rep who said his name was Quan. Quan refuse to pull my account with my account number and stated that i need to reverify myself even tho the first rep that i verified myself with introduced me by name to him. Then i told Quan i am in a crowded area and could not said my information again out loud. Quan begin to stated he could not help me without the information. I ask Quan to transfer me to a supervisor like 10 times and he refused every time. Stating since i did reverify myself he could not do anything for me. I asked an 11th and then he hung up on me. I have been a capital one credit card and auto loan customer for countless years. I have never experienced customer service like this until not. If this is the type of people capital one is hiring i will begin taking my business elsewhere.

Worst customer service ever experienced! Impossible to speak with US representative!
ALL CONTACT NUMBERS ARE ROUTED OVERSEAS TO FRAUD DEPARTMENTS!
VERY AGGRAVATING TRYING TO OPEN NEW BIZ ACCOUNT AND CHECK ON OTHER ACCOUNT.
VERY OBVIOUS CAPITAL ONE CUSTOMER SERVICE IS UNIMPORTANT!
WE WILL STICK WITH US BASED AMEX EVEN THOUGH HIGHER RATES... BEEN WITH THEM LONG TIME!

Capital One is a bunch of sadistic scoundrels. The whole system is not a bank. This business was established to defraud clients out of their money. This is a piece of the KGB Putin's Mafia, which stole money from the Russian people to use here in the US to rip off Americans for even more money. Do not talk to Capital One, there is no help anyway. Stop supporting their 460 feet, eight decks yachts, submit a complaint to the US government, submit a complaint Office of Financial Regulation (OFR), submit a complaint to the FTC, and submit a complaint to the Consumer Financial Protection Bureau (CFPB). Do not be afraid. You have nothing to lose.

https://www.ftc.gov/#/assistant
https://www.consumerfinance.gov/complaint/
https://www.usa.gov/complaints-lender#item-*******

The executive offices have to be the worst hands down with customer service. They will respond to a complaint but not give their information so you can't reply. They refuse to admit when they mess up! They stated in a letter "In your submission, you stated that you reached out to Capital One numerous times without resolution. In your review if our call records, we were unable to find any calls as you stated in BBB" I replied asking how that is possible and happens since I spoke to Whitney at *******455 extension 291-7035 and dates and times and voicemail left like 9/25/19 at 12:26pm and left a voicemail again 10/20/2019 at 4:15pm. So it wasn't logged? Why not? And they replied with this vague response saying they already replied to this and agree with their reply none the less. Didn't address my questions or answe how it was possible it wasn't logged and never admitted they were wrong or apologized. Incompetent customer service especially higher up!

I am not a person who normally writes reviews, however, I Wish I could give them Negative Stars! Their application process is unjustified and discriminatory. I am currently deployed in the Army and have very limited time. I applied for a Credit Card and received a denial letter stating insufficient income. When my income was over $20,000 the required as well as having a 775 Credit Score. I called to dispute there findings and while I was still on the line received a denial email again.

I called again to get some clarification on how my Dispute could have even been ethically looked at in that amount of time. I specifically talked with Shaun one of there Credit department Managers and he had no idea how decisions are processed... all he had to say is that the decision to not approve my application was made. Agreeing that the decision was made unjustifiably still said that it was the final decision.

Capital None!

I will never recommend this bank to anyone, their unjustified discrimination and unethical decision making is terrible!

My business was issued a relief fund check from my local city for the amount of $15,000. An employee took that BUSINESS check and deposited it into her PERSONAL account via the ATM. This check should have NEVER cleared in the first place. I went into a branch in Germantown, MD and alerted Capital One of this fraud and they said they would open an investigation. They gave me a number to call to check the status of the investigation. Every time I call that number they give me the run around, it's been 2 months with nothing. I will not let this go. Capital One is a trash bank and they do NOT care if you are not personally banking with them. They can't even right a wrong that's cut and dry. DO NOT Bank with Capital One!

Capital one on line banking is the absolute worst. NIGHTMARE. Be wary of teaser rates. They have tech issues that don't get resolved. No body on phone will do anything to rectify problems except say SORRY OVER AND OVER. THE GOOD INTEREST RATES ARE NOT WORTH THE TIME ON LINE WITH CUSTOMER SERVICE AND GETTING NOWHERE. THEY HAVE NO LEADERS NOBODY TAKES ACTION. SEEMS THE WAY OF THE WORLD TODAY

This is by far the worst credit card I've ever experienced, I tried setting up auto pay with a costumer service personal only to find out 45days later that my account was past due, I had been charged double late fees, mind you this was the second time same thing happen so no matter how much I pay,my balance isn't going down, it is a complete rip off and this card isn't designed to help you build your credit but to tear it down, a real joke, lack of compassion is pitiful.

DONT RECOMMEND USING CAPITAL ONE CREDIT CARDS! (02/04/22) I sat on the phone with customer service over an hour trying to handle a "late due" fee, explained that I just switched bank accounts and they pulled my scheduled payment out of my old bank account. They slapped on a very large late fee when I had already linked my new bank account with them. I was transferred to three different representatives on the phone, explained the situation with them, and not one of them could do ANYTHING about it. Highly disappointed with them and their customer service is the worst! Have used them for over 4 years but now I will be taking my business elsewhere and closing my account with them.

I made my payment 6 minutes after 5:00 and Capital One being in a different time zone deemed my payment as late therefore they dinged my account with a late fee which changed my credit score and dropped it because of 6 minutes after 5:00 my time. I attempted to contact Capital One and ask them to remove the late fee considering 5:00 is when I am off so 5:00 is when I got paid and that is when I made the payment however they are advising their system will not allow it even though they're representative wherever they were from had insisted there would not be a late fee as a result of being passed the time by 6 minutes.

I traveled to overseas in December 2021 and notified Capital One that I will be using my credit card.
My nightmare started when I used the card to purchase the gifts for my family.
My transaction was declined and when I called the customer service I was asked to upload my driver lincence and I was told the card will be released between 7-10 days.
I had this credit card for 20+ years and never ever had late payments with credit score in 800.
Capital One SUCKS and were failure to provide me finnincial needs when I totally rely on them.
If I have an option, I will give them 0 star.
Don't use this card.

They offered a venture one card with a bonus of 20.000 miles if I spend $500 in the first 3 months.
I applied and was accepted in November 2022 (planning on doing Christmas shopping). Card hadn't arrived by December 23 2022 but showed as active not used on app so I called. Card was cancelled and re-issued with new number. January 27 2023 still no card so I called again. Man states that card had never been sent, made a note in file and sent card. Card finally arrived February 12 2023, I activate then call to verify that I still have the original deal of bonus miles for spending $500 within 3 months. Was informed that I only have 2 weeks to spend $500 to get bonus miles.
The bonus miles were my incentive to apply
This is clearly false advertisement and in my opinion terrible business practice.
I asked man to talk to a superior and he said that they said 2 weeks is it
If this is how they treat a new customer, what would come next if I go ahead and accept this behavior?
I had the card for 10 minutes and cut it up and cancelled account.
I will NEVER do business with Capital one!

Transfer of money from 1 account to another takes 4 days also when other banks do it next business day. So they keep your money for 4 days is ridiculous. Switched back to my regular bank.

Charge Interest to Keep fron Ever Paying Off. I am never late constantly pay them above and beyound. They charge hindden fees and interest to eat our your payments away so never pay them down even if you are not charging on the card they charge your card so that it like your payment dont count. They fraudulently charging on your card each month fees & interest. Watch them your balance never go's even though you are paying them each month.

In the first days, I was offered Castco membership with a lot of advertising. I accepted and activated it Captal One Card. I went to Castco twice to buy, both times they said it was locked, and each time I called the customer service, they said it was fixed. But for the third time, the same problem happened again, when shopping in front of the cashier, the card didn't work and said it was locked. I was lucky that after all the shopping, I had cash in hand all three times and I paid in cash. When I returned, I called and said to delete my name from the system with the number of this card and send the canceled letter to my home address. And I threw the card in the shredder. Now I have a lot of advertisements from this company in my email. One star should not be given for dissatisfaction, and Google should put instead of one star.

I called Capitial One after becoming ill with COVID. I had several problems because of this illness. I was unable to work. Some I could afford to pay the minimum. I was sent an agreement letter for the account. I did not want to have this account closed. I found that I had three months. The person I spoke to took the time to go over everything. I had two other letters in the last few days stating they were closing my account. Unfortunately, I found out they misrepresented things that they stated in the letters. DO NOT TRUST THIS COMPANY!

It's so painfully obvious that no CEO has ever had to call from the outside and try and maneuver the phone tree that these dumbasses set up. Phone trees and overseas call centers are useless. Sending my call to Pontangisgtan where the people barely speak, let alone understand English is nothing short of useless and annoying. If you don't have a cell phone and you don't speak Poontangistan, don't waste your time and effort with Capitalone.

So normally I pay my bills early. This month because of the changes and inflation and the holidays I didn't pay it until the due date. And I still got a late fee. I call customer service and the gentleman helping me was talking in circles like he's not allowed to say certain things I have to say it first. That was so frustrating trying to figure out what he was trying to get me to say... Which was please remove the late fees... We were on the phone a good 35 minutes before I figured out what he needed me to say. If that's your policy to f*** with your customers heads... Then you should consider your customer service a failure. He gave me some math equation about building ends after the 4th and I had made a$50 payment and it said I still owed so I made another like $2 payment and the $50 went on my billing month and the two went on next month so technically I didn't pay the minimum balance. WTH? Where is true customer service? I seem to recall most places having a 3-day grace period. What happened to taking care of your customers not just taking your customers money!?