Capital One

You do the pre approval they say yes your approved and tell you your limit then you fill out the whole thing upload ur info then selfie then they change it to a secured Mastercard where you have to put the Money on it yourself but still get charged interest. Noooooooo thanks that's why there's a thing called a bank account.

I need to call several times due to customer service being horrendous. I'd avoid this business and go with one that is transparent with its customers.

Capitol One Customer Service is the Worst
It is near impossible to get anyone who understands English. They know English words but can't comprehend the English language. I had a restricted card for late payments due to a car wreck.
Hospitalization. They lifted restrictions on another card but not one. I think the original agent didn't enter all the information. They said they couldn't lift it but it wasn't canceled. They don't understand restricted verses canceled. Four different agents just kept pushing me to open a new account but you can't open a new account with a restricted card. It was the worst circle with everyone. I canceled the account. To which they said, no more charges would go through. It was restricted so they wouldn't go through anyway. I am canceling my other 2 cards and the car loan I was just approved for from them. I would never give them business again.

They want a copy of my driver's license and ten days to review documents to get a credit card reissued. USAA overnights it.

Subject: Ongoing Issue with Unauthorized Bank Account on My Capital One Profile

I'm writing to share my concerning experience with Capital One, where I've been a credit card customer for nearly 20 years. I've used the same bank account for payments and had autopay set up for over a decade, primarily using the card for emergencies and to maintain a positive credit score.

Recently, I increased my autopay amount to pay down a larger purchase. Since autopay changes take up to two months to process, my next payment didn't draft as expected. I received a notification and made a one-time payment, assuming it would draw from my only linked bank account. Instead, the payment was withdrawn from an unfamiliar bank account that I did not authorize or recognize.

I immediately contacted Capital One. After several calls with representatives and a supervisor, I learned this unknown account had somehow been listed as my primary payment method. I have only ever had one bank account, and autopay had consistently drafted from it for over a decade. I requested the payment be reversed and submitted a payment from my correct account.

Despite reporting the issue, I've been blamed for the error, with some representatives claiming I must have added the second account myself—an unreasonable assertion since I would need both the routing and account numbers, which I do not have. A supervisor suggested it could be a hacker's tactic to link fraudulent accounts to customer profiles but could not tell me when or how this unauthorized account was added.

It has been nearly a month, and while the incorrect payment has been reversed, my account remains restricted. I'm still being asked to verify the unauthorized account I have repeatedly stated is not mine. Capital One has failed to provide an explanation, acknowledge the potential for a breach, or accept responsibility for the situation.

After 20 years of loyalty, I'm disappointed by this experience. Instead of being recognized for reporting a potential security issue, I've faced blame and poor customer service. I'm now considering paying off my account and closing it, as I expect better support from a company entrusted with my financial information.

Sincerely,
Amanda K

Capital One is substandard. It is an extremely toxic and stressful work environment. The customer service turn over rate is beyond unbelievable. The pay is insulting, hours are not condusive to work life balance. Management are just gloried baby sitters; constantly micromanaging each employee. Human Resource along with the trainers lie to get you to drink the stale kool aid. There is minimal room to advance unless you brown nose or throw someone under the bus.
They make decisions which are irrational and then have front line employees deliver unwelcome news. There are constant system issues and old antiquated system.
There are tons of class action suits due to this company being a greedy, nasty wanna be corporate giant. I wouldn't recommend my worse enemy to apply here.

When you have money and you use 10-40%, Capitol one will be with you and wait for the moment. As soon as I used money from a credit card in the amount of 40-45%, Capitol One business credit card, reduced the credit limit by 55-60%. Reducing my total limit and creating an artificial crisis of the lemite. Very unreliable partner. Returned the money immediately and do not want to deal with them!

We have contacted numerous times over the last seven weeks as this began August 25,2024. Scammers were able to change our phone number address and issue themselves new cards through our online banking. Capital one solution was to issue us new cards versus canceling account and canceling all virtual cards. Subsequently the scammers were able to deplete our points and also deplete our entire checking account because our card was connected to our account for easier payment we've had this card for over 20 years and we will be canceling both cards as soon as they unlock our card again even though we've sent in verification and copies of drivers licenses they still have not protected us.

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.