Capital One

Capital One's retail banking services are abysmal throughout the entire engagement cycle, from using the app to speaking with customer service. My complaints primarily stem from graduating my unsecured card, which I have had for upwards of 14 months – there is no finite timeline as to when this is slated to occur, the staff are utterly incompetent in terms of providing information or progressing the process and the system is inherently broken since there are no guaranteed re-evaluations of credit beyond 1 year. The overall process is about as bearable and time-consuming as attempting to remove toe fungus. Bank anywhere else if you value your time and sanity.

I have been a customer for years and always paid on time and this is how I'm treated? I'll take my business elsewhere! Terrible company and customer service. I paid off a credit card balance in full. ZERO balance. Then got charged interest on ZERO dollars the next month which you'd think... hmm math being math, that equals zero. But according to capital one that equals $145. And no that isn't my renewal charge. Spent an hour on the phone with them to be transferred 4x and have the top supervisor tell me literally the exact same thing as the first person. Completely useless people working their and have no clue and no ability to do or answer questions. Here's a tip capital one. Fire all employees and you'll get the same results.

Applied for this credit card and unbeknownst to me Venmo nor Chime are NOT accepted as a form of payment. My payment was returned with absolutely no explanation. Had to Google search the issue as explanation on Capital One's site is nowhere listed in "Help" nor a "Live customer service" to assist. The site does not recognize the word Venmo payment nor Chime payment in the AI bot customer help. What an inconvenience to not be able to use an outside service to simply pay a credit card bill. One must be an account holder at one of the many traditional banks with gauging high fees. This credit card is useless.
Get with it Capital One.

If I could leave no stars I would! This is by far the worst credit card company I have ever had. I was late on one payment they harassed me from 7:00 am right up till 11:00 pm at night with over 10 phone calls a day on various local numbers never leaving a message yet filling up my mailbox daily.

Checked my credit today the have dropped it down over 100 points due to one missed payment thanks to this comany who i have been paying in full on time since 2017, cant wait to cancel my card threw them.

Ditto to all that has been said here about accessing the account, changing the login and saying "there's something different" and requiring verification, poor customer service when nothing has changed. I've been squeezed out of access in various forms (branches closing, updating app until it wouldn't work on my phone, and now login spontaneous changes) and have a business to run, so inability to access accounts is inexcusable. This bank is irresponsible and in spite of decent account and card perks, I find their system obnoxious and time consuming

Capital One's dispute dept. is a joke. I had recorded phone calls as proof of my attempts to resolve the issue with the merchant and Capital One told me they could not use them. The last straw for me was when I spoke with a fraud and dispute manager who told me (after I mentioned that I record all of my phone calls) that if I did not say aloud that I was no longer recording the call, they would disconnect. This was even after I reminded them that Capitol One's greeting states that all calls are being recorded and monitored. I will never do business with them again.

The APR is crazy and if you fall behind or late, they will charge a crazy fee and put it on your report immediately. They will not work out any payments and I had some staff member put my credit card status on a public arena. Paid them off and will never go back. Choose a different card to build up your credit.

I'm literally livid! Me and my husband have been banking with capital one for over 8 years. We had 2 different accounts plus a credit card for our business. We've never been negative or had a single issue til now. I deposited a check that wasn't signed on back so I thought I never deposited it because we always sign our checks. It was an honest mistake but they immediately locked us out of everything and after 53 phone calls and a trip to bank they said we can not bank there anymore because of one check! After 8 perfect years we deserved grace! Now we are having trouble withdrawing the remaining balance of our own money! Word of advice go to chase bank

Their Customers Service reps, can barely speak english, for starters, Who is teaching them to speak? They talk faster than speedy gonzales. Its a cartoom reference if you are a kid. Look up the name. Americans speak slower, and the automated service is crap. When i call Customer service i want a person, Not a bunch of BS. Oh And verifying im me one time should be good enough. But 4 times, its like you really are just trying to upset us here.

On Feb 5 2023 at 235 am I called 911 after witnessing a single ski doo accident. I did everything but the gentleman passed on me! It's only been 7 months! I fell behind on payments and not just this card place because I didn't return to work. I finally got back to work and have started to catch up! But falling behind a few months is not a 1 week process. I was told if I clean up the card I would get it activated again! 6 different representatives said that and all calls are recorded! I called and they said they won't be doing that. I will never get it back. Then why did I clear it up. I could have used that money elsewhere. I don't need this stress and I don't even know what to think. I feel lied too! Honestly look at all the reviews they are all no stars. I am going to the news and I am playing all the recordings