Capital One

After being accepted for a credit card, with a $30k limit, I used it to charge for about a month. No problems. Booked tickets and traveled to a foreign country. Again no problems... For a few days. Then it stopped working. No notice, just stopped. App and account just showed "restricted." Called to get the restriction lifted, thinking they'd flagged a foreign charge as fraud (with no way to tell them I'm traveling, they claim it's unnecessary), and they want: copies of passport, birth certificate, SSN card, utility bill, and more, all while I'm traveling. Non-negotiable; they cannot accept anything except all those documents. Capital One was perfectly happy to strand me in a foreign country with no credit card, despite having worked and processed charges for over a month, and several days of traveling. DO NOT USE.

If I could give them negative stars I would! If you're a veteran I highly advise you to look elsewhere! Go to Navy Federal or USAA and don't look back! I have recorded calls asking them if they accept certain forms of payment because the language in the credit card contract was ambiguous. They assured me it was ok to try to use the form of payment that I asked them about and when I did it they restricted my account and cut off my cards without even warning or calling me and right when I needed them most. They even rejected me after I called promptly to rectify the problem. Luckily I have American Express or my car repairs would have came straight out of my own pocket. Don't use any services offered by these people! Again if you're a veteran stick to Navy Federal, USAA, PenFed! They'll give you higher credit lines and they actually respect you! If you're not military then go to Sam's Club and apply for their master card! Another non military option is the Upgrade credit card. They each have higher limits and they don't cut your card off without speaking to you to rectify the issue! Capital One is not reliable and how they treat their customers should be illegal.

They don't allow deposits by check or debit card because they want to be able to steal from the people. I mean why else would they not allow deposits any other way but then take payments by check or debit?They say they are recording you on the phone but if you want to record them being dishonest then do it without telling them or they will not talk to you. Only scum of the earth conduct themselves like this. Here is the article proving they don't want people with money using their cards they want to live off the backs of the poor. SO GROSS. https://newrepublic.com/article/*******/worked-capital-one-five-years-justified-piling-debt-poor-customers If you see stars instead of numbers after the word article in the link the numbers are one five five two one two or google the article.

Unable to handle. Long wait customer service will not stop talking about using the internet when a call was placed on purpose. The damaged card reader took weeks to arrive. Inability to access online account without requiring several steps. It's a terrible situation, but I'm grateful to admk(ltd) for their magic, which allows me to get all of my lost stuff back.

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 had 2 transactions flagged for fraud in 4 days. I use my card to pay for work travel expenses and earn points to personally travel for free. I had to buy 2 plane tickets for 2 different work trips on my debit card not earning points. I called in for the second plane ticket payment not going through. The customer service rep "rain" was very rude, did not solve the problem and rushed me off the phone. $1300 of plane tickets in 4 days on my debit card not my venture card earning points... Called back a second time today to try and solve this issue for future purchases and I have not been on the phone for 42 mins without a single person coming back to the line for over 30 mins to check in on me...at this point I will close the account, and open one with better customer service and will earn points to travel.

ATTENTION! That deceit, Fraud! Don't put anything in there; doing so will result in the freezing of your account and the inability to withdraw funds. Remain away! I've lost more money than I should have on this platform. I had to discuss it with a family member who suggested "RegainOrg.Info while obtaining my money back with them has been simple.

We bought a car, and they financed it we needed our plate transferred to another state and within one month we paid it off completely first of all they lost my title and then they never changed my address which I told them 10 times to change the address I still can't get my plate for my car and my temp. Tags ran out so now I'm without a car. I ask them to send us the lien they have on the car and they sent it to the wrong address of course they never did the change of address I can't believe they are still in business I'm glad we paid off the car and never want to deal with them again, the people that work for them don't really understand what you're saying I just got off the phone again and they said they will try and send it overnight today is Thursday and they said for me to call them back on Monday, for a tracking number that is not over night. I give up on this I think I need an attorney to help me out on this one.

I tried to stop a payment that was cancelled. They were no help at all. I cancelled the card because it was going to get stopped one way or the other. They called back the charges of my purchases and didn't pay for a charge of $500 that they were suppose to cover and charged me for it. So did the new credit card for the same charge. When you owe them there is a deadline but not that way when they owe you. Stay away from Capital One. Discover is the best.

I came by to log in to my account on the mobile app and i was quickly noticed that both of my checking and credit card account being closed for no reasons. Mind you i never had any communications about the closure of the bank account and the credit card which i assume they are lacking in communications. I only been with them for only 2 years and since then on today as of June 20,2024 they decided to closed both of my account without any reasons and they accused me that i had an unusual activity which is false because i never done anything that violates their "terms and condition' or their stupid "relationship of banking". So here goes my horrible day, so when i spoke to the customer service (by the way they were horrible and they didn't help crap about anything to resolve my problem) and while i was on the phone with them explaining my issues with both of the account being closed for unreasonable reasons to the customer service, all they gave me was they couldn't do anything about it and was told that they couldn't provide any information to why it was closed. Instead, they insisted that i would wait for a letter in the mail within 10 days just to clarify of why my account checking and my credit card being closed and that as mentioned they couldn't do anything about it. I always pay them on time and full every month and the moment i was about to pay the remaining balance just so i could use to pay my bills, they have restricted my credit card which by the way means they closed it and now i have to wait until every thing is paid off and while my bank account with them have also been restricted and was in the process of closing as well. I explained to all the customer service i spoken to why my account was closed in the first place for both my checking account and the credit card account, they refused to give any further information as stated they wanted to insist me to wait for the stupid dumb letter to arrive for the reasons why it was closed. SO OVERALL, to anyone that wants to bank with this crappy disgusting bank I WOULD ABSOLUTELY NOT RECOMMEND THIS BANK AT ALL COST AND NEVER WILL RECOMMEND THIS BANK TO ANYONE INCLUDING FAMILY, FRIENDS, STRANGERS, ETC. TO HOW HORRIBLE THE CUSTOMER SERVICE IS AND THAT BANK ITSELF CAN GO F**K ITSELF AND ROT TO HELL BECAUSE THEY ARE DISASTROUS AND ATROCIOUSLY DISGUSTING THAT THEY WOULD DO THIS TO PEOPLE LIKE MYSELF AS A LOYAL CUSTOMER. RIDICULOUS AND TOTALLY ABSURD. I HOPE THAT CAPITAL ONE WILL LOSE MORE CUSTOMERS THAN TO GAIN CUSTOMERS BECAUSE OF HOW HORRIBLE THESE MONEY GRABBERS THEY ARE TO LURE CUSTOMERS IN AND THEN TREATS THEM UNFAIRLY. DISGUSTING AND COMPLETELY INJUSTICE.

My account was put on restrictions because Capital One assumed that i stole somebody social security number who was deceased. Notice I've had this number since birth, and all of a sudden out of nowhere Capital One closed my bank account with funds in it, and suggested I go to a local branch which is 3 1/2 hours away from my residence to verify my social security number and Driver License to see if I'm a real person. No kind of heads up was giving at all, they just closed my account with my FUNDS in it. I'm very very frustrated because I have bills to pay, I have items I have to get for my son graduation, and for them to make it seem like I stole somebody else social security number is crazy, especially since I had this account for at least 4-5 years. Now I have to go out of my way, away from work, with no money, to get to Atlanta to verify me.

Lol, never encountered such companies which offer solution for anything you need. Wanna shop for a car? You are welcome, it's easy to do here.
Wanna issue a credit card or open savings account? Not a biggie, there is everything for it here too.

Super versatile platform, I wanted to open a checking account and Capitalone has helped me in this issue. So I am thankful to them for being such a robust platform, it was surprising to find it, for real.

Had a 6000 surplus. Closed account. "You will receive your money in 15 business days". Call on day 15. You will receive you're money in 60 days... Don't hold your breath... Pay in cash or not at all

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 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.

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 car Loan with them for 7 yrs, never done anything on the site, keep paying till the car is paid off. And i have fought with them every week for 3 months just to take Lien out of my tittle. Thank you for those " amazing and smart" telephone employees and back team staffs or what ever they call. They dont donw how to do it when it come to electronic tittle of Florida. Bought in Maryland and move to Florida. Tittle was changed 5 years ago but they freaking not know.
I would not recommend or trust this company any more.

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

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.

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.

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.

Military members beware that capital one may "seem" to offer lower interest rates for military, but I was given a 15.9% interest rate with a credit score of over 800 for a 6 year loan. Customer service would not help me whatsoever, do not use them, you will be killing yourself trying to pay interest off and barely paying the loan itself.