Capital One

They don't charge you if you never add money to your account. I always get early direct deposit and they said bc of Holliday (New Years) I won't get it til maybe Monday! That's almost a whole extra week and not even the accurate date bc they don't know. My coworkers got theirs but of course not this bank. The representatives talk over you and when they hear any back round noise they say" your call is being recorded" like damn my son is asking me a question! Then the representative said I answered your questions anything else? Like no you didn't answer my questions. Also I ordered a new debit card about a few weeks ago and I didn't cancel it just wanted a new one and they cancel my account til I receive my new one. They did it twice this month where I basically have no way to use my money. Christmas draining my account and relying on my pay day and now they don't know when I will get paid. Thanks for absolutely nothing and being inconsiderate

They have a terrible customer service. And they support scammers. I had purchased an item from a Fecebook ad and they sent me not what I ordered. I contacted Capital One and they said there was nothing they could do about it. When I disputed the charge and sent them all the proof of the scam that I got into, they took over 60 days to look into it and then said that the case has expired and they are not going to give me a refund. It happened twice already! They always support scammers because they don't care about the customers, but they make profits from any transaction.
Absolutely disgusting! I closed the account.
Don't ever want to deal with this company

I have had my Capital One Credit Card for 3-3 and half years. I started with a 300-dollar limit. Then about a week they already gave me an increase. Only 200 but in just a week where they tell you 6 months then you will possibly get an increase. It appears that loyalty means nothing to them I have tried 5 times to get an increase and turned down over the time I have been with them for a long time and still on the same job and making more money now and still can not get approved. The only reason I want an increase is so that I will have a larger amount of credit so that I can only use very little and build my credit. They send me emails all the time wanting me to send them business.No thank you. Why would I do that when you don't care about the ones you already have. I am totally in shock. I thought Capital One would be Great.

First I called got connected to 1 customer service representative that said let me see what I can do and then transferred me to someone else this customer service representative then proceeded to not listen to me when I said I went on the app and elected to pay balance in full on the app. A few days later I get a charge for 150 for interest. So in fact the balance wasn't paid in full so the App is inaccurate you aren't actually paying the account off in full when they add interest on after the fact but you should be a mind reader. Poor customer service and poor app!

So I got my car stolen by my wallet in glovebbox the theifs thried to access my Capital one account to no avail but capital one lock my account down called them verified it was me worst customer service ever got called a liar hung up on to I can't have my funds only way is to go to branch how is that even possible w no car the idoan speaking reps don't understand what stolen means word of advice stay far far away from them I will be so frustrated.bad experience from get go closing all my accounts n going to a normal bank after being a loyal customer yrs hey capital one screw u!rude as hell

Disappointed at how customers are treated I have informed the company for COVID issues before my accident and after the whole country was shut down for a year but that didn't stop this company from
Breathing down are necks and charging interest on a bill that over 50% of us where having trouble paying! Which to me is shameful and when I do get on my feet to try and make payments I am told that my account will still go in to collections since because of all of the above and the fact that since I couldn't make payments those interest fees kept my gap insurance from covering the remaining balance completely. This is just one big circle rip off and everyone involved should be ashamed of theirselves.

When you need to talk to someone you may eventually get a real person on the phone but that does not mean that this person speaks intelligible English. I tried twice and in each case I got a person on the phone who I could not understand. I finally gave up.
I'll probably cancel my credit card with Capital One because it seems that they are not "on the ball" with regard to fraudulent outfits.

Why have an over limit fee? A credit card is supposed to be credit lent to you. Once that credit runs out they are supposed to decline the transaction. I'm pretty sure I've paid more than my credit limit in overage charges alone. Does that help my credit score a all?. No it does not! So thanks capital one for marketing to people with poor credit only to set them up to fail.

My Capital One card has been hacked four times in one year. And none of my other cards has that ever happened and this time Capital One without notification is holding my card for fraud purposes. Wouldn't they want to talk to a customer and find out what happened or inform me that there is a problem. I called them sat on hold for 45 minutes just for them to tell me they had to transfer me again. I told them to cancel my account, I have no faith and Capital One any longer. I'm done!

After having a Capital One Platinum card for 5 years and using the same payment method the entire time, never missing a payment, never carrying over a large balance for more than 2 billing cycles and never bouncing a payment, they decided to take my most recent payment and place a 26 day hold in it and refused to give me a reason why, nor would they return the money. So they just take my $250.00 and put it in their bank account to collect interest on it while I sit and wait? I dont think so. Ive used the same 2 debit payment methods for the past 5 years to make my payments and they put a hold on one of them 3 weeks ago stating we needed to verify them with our bank. So we did, the very next morning and all is good again, right? Well until a week ago when i make the $250.00 payment and they hold it, first stating it would take 7 days and when I call asking where the money is, they then state its a 26 day hold and that I was mis-informed. So, cancel my card, and I will have the bank reverse the payment and keep my money elsewhere.

After being a loyal customer for over a decade I FINALLY asked if they could assist with my interest rate as I worked to get this card paid off- I USED to like Cap1 but I will NO LONGER REFER ANYONE TO them! I was told that there was NOTHING that could be done and they only offered me information that I already knew. From this day forward I WILL NOT REFER ANYONE & I STRONGLY URGE consumers to look elsewhere when "shopping" for a credit card- the INTEREST RATE IS RIDICULOUS & once I pay it off THIS TIME I WILL NOT USE THIS CARD/COMPANY EVER AGAIN! They want you to refer a friend and send cute emails about lowering your car payment... and oh "you deserve it" while offering you nothing when you need them most. What a PITY!

As much as the card advertise less spam, or better features. Still feels spammy and same or worse in terms of features compared to other credit cards. Even if you have high credit score of +790. Getting your credit limit increase is a pain and they brush you off. Despite having good credit score, loyal for years, or always paying on time. Capital one card is a low performance credit card.

All you can ever get is an automated service that doesn't even provide you with the options you need. There is no way to be transferred to an agent either. Guess I'll just have to close the account because my card doesn't work for all things and I can't find out why.

Europcar overcharged me $202 on a rental in Iceland. I did not catch it (the overcharge) bec they billed me in the local currency. Plus, I trusted them to only charge me what they had promised to charge me. (Silly me.) Europcar would not respond to my calls and emails, so I disputed through Capital One Visa. I thought it would be a no-brainer. Instead, it was a big waste of time. I submitted to CapOne all docs necessary to prove the overcharge. Cap One provided inane form letters in response. I'm switching Visa banks over this.

My husband and I have had an account with Capital one over 35years. I recently received a letter telling me that, not only would they be closing my account, but that they will send me a check for the balance left. Also if I wanted to continue banking with them, I would have to fill out an application for another account. We are puzzled, and never received prior word that they were "phasing out" our account, just that they were closing it. We have NEVER had an overdraft or any complaints concerning CapitalOne, but are completely surprised by this action. Sadly, we will be finding another bank.

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.

Poor service. Disorganized. Arbitrary branch closures. Poor coordination between various services. Call center service unacceptable

I opened a new account (Checking and saving). Customer service takes forever to answer a call (forever), many times the communication break and you have to call again to do whatever you want to do again. You cannot transfer your money to an external account, the only way you have is a wire transfer ($30 no matter what), but you can´t do a wire transfer until 60 days have passed since you opened your account. So I can´t transfer my money if I have any business, their credit card service is horrible (810 points and they rejected an application, and when you call to reconsider their answer is no answer, good for them).

In less than a week and already thinking to change my bank account, when you have a problem is when you see if a bank is providing a good service, and Capital One has a terrible customer service and appreciation.

I've been a good customer to them for well over a year never late with payments always on time. I run into a financial crisis and they report my one time late for both of my cards to the credit bureau. I'll make sure that when my card(s) are paid in full I will cut them up and dare Capital One to contact me to get another one. They will not like the language they are going to hear..

I took the golden one because my gf kinda convinced me. Not very happy with them thou. I was trying to use the card abroad and it was not working even that they say on the site it is working. Called them and they fixed it but it could be delivered better.
Totally canceled this credit card after to fraudulent charges. Turns out I cannot use the credit card but hackers don't have any issues to charge my account.
After waiting 1 hour on the phone finally I am proud non owner of Captial One Credit card.

Capital One Credit Card is a Garbage Company, I been with them for more than 4 years and now they emailed me saying that they going to close my account by January 2024 bcs I stopped using there Credit Card with a very Low credit Limit, I asked them to increase my credit limit 3 times since 2021 & 2022 & 2023 they keep denying my request for credit limit increase. I'm now with Shase a great credit card company with great benefits and great cash back rewards, Capital One offer me $750 on my credit limit and I been with them for almost 4 years BUT Shase Credit Card Company under 2 years they rise my credit limit to $10.000. Bye Capital One stupid mother fu**ers

My relationship with Capital One started with their Venture Card, which offers one of the most generous mileage programs out there, and no foreign transaction fees. Unfortunately, their Purchase Protection is practically non-existent. I had to open two merchant disputes in 3 months, and Capital One took the report, initially reversed the charge, but the minute the merchant lifted a finger to respond Capital One decides in their favor. It doesn't matter if the merchant fails to honor its own return policy; you're stuck what the purchase. Prior to Capital One I mostly used cards from another big banks, and felt that I had some actual protection when a dispute arose.

Fell on hard times, divorced with a new baby, inpatient and could not work. I had other cards and they all worked with me. Capital one wanted 1000 up front with no job and did not help with the rate. My other cards helped with a low monthly payment and they are over 3x what they were ok with. They will give you a card without credit, but they will not help you get back on track if your life goes down. There are better offers