Capital One

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.

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.

In todays age i find it ridiculous that you can't make a payment on your credit cards with a debit card, it is inconvenient and annoying. Every other card company i deal with you can easily do so, when so many companies have breaches of security and information is stolen i should not have to have every bank account i own on capitol one as a payment method. As well there are very few actual bank locations available in most areas for deposits and withdrawals. Do yourself a favor and use a bank that has available locations as well as credit card companies that do not make it impossible to use a debit card from another bank to make your payments.

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.

My daughter is newly employed and with great credit. She applied for a card, got a $10k limit and can't activate her card. She scanned the QR code, she tried to activate online and they are telling her that her phone number is wrong. She can't log in to even file a complaint so she is stuck with a useless piece of plastic. I would say run as fast as you can if they can't figure out something as simple as activating a card (used to be you call an 800 number, type in some basic information and boom it was activated). Seems they have gone down hill very fast.

This is the worst credit card company ever they a thief I regret that's the credit card I sign up with. They nothing but a thief my balance is 2000$. 76$ minimum fees and I pay a 300$. And the minimum was 76$. And they still charge me a 50$ some they such a scammer I purchased for 26$ knowing I was going to pay them back today due to after i pay them and used it and they still charge a whole 50$ some capital one is nothing but trash and they have the audacity to offer me more credit card and loan Y'all must be crazy

Worst customer service I have ever had the displeasure of dealing with. For over a year I thought my title had been sent to my new state. It wasn't. So my tag expired and I got a ticket because Capital One uses a call center with morons that can't understand English. Today I called about the title and the idiot on the phone asked "you need make payment?" What a horrible excuse for customer service. Even if your life depends on it, do NOT do business with Capital One.

My card with them expired in January and they said a new card was sent in October. Called 4 times and was told everytime new card was being sent which it finally is after 4 times. However, they damaged my credit by doing a credit inquiry as a new account when I've been a cardholder for 8 years. Incompetence and poor service are trademark for this company. They also tried informing me there is no way to file a complaint which is also another example of their poor service.

Filed a fraud dispute, followed the directions for their "investigation." Took less than a day for them to deny it all and tell me to work with the merchant that gave me fake products. Worthless as far as fraud protection. Thanks for wasting my time.