Capital One

I had a basic capital one card, and always paid on time; one payment was late because of some banking issues, I paid the balance immediately as I found out it was late; I started getting calls from this hysterical woman telling me or threatening me that I better pay the amount right away or They will ruin my credit rating and so one. I tried to explain to her that I had paid that amount already a month previous. She refused to listen and continued with her hysterical behaviour, I put a complaint in, and the complaint went nowhere. Their complaints department is a joke; I also have people from other countries answering my complaints that do not even live in Canada. In fact they closed my account with a balance still on it of 60 dollars that they needed to give back to me as I actually made an overpayment. They didn't mention that I had to find out through asking. If I didn't make the inquiry they would have kept the 60 dollars as well,

I tried to validate my card - you would think that doing it once in their app and once on my computer in response to their email I would be all set - but no...while the other two approaches worked via a text message, the the online customer service could knot send a validation code to my phone - five separate calls failed to resolve their problem - a horrible experience reminiscent of the plodders back in the 2000 who could make the internet work. I definitely do not recommend them - the people at customer service just read a script and are unable to problem solve. Imaging if you had a dispute with them - that would be like stepping into finance hell.

Capital One Spark are the worst liners. I paid my bill in full for several months. I hit a slow spot called and they said pay 2.99 % of the owed amount and you will be in good standing. I did that and they reported a corporate account late to all three credit bureaus. It sauced us to be declined on a home purchase. Any one here have a similar experience. We are looking to file a class action lawsuit against them for damages.
*******933. Call me let's hold Capital One Spark accountable.

I had a capital one credit card which I loved using. Lost my job due to Covid and missed some payments (4) over a year period. Next thing I know my account gets closed down for Fraud according to them. Received a letter in the mail. So if you have card don't lose your job or get sick!

Terrible customer service!
It seems like no body cares what you think of them.

My boss wanted me to ask them a silly question (if there are any limits on the amount of virtual cards?). Can you tell me why the only thing he was able to say is "I am sorry I need to speak only to the account owner". I never had this with any other place (they are all ok with verification from the account owner, and that is too for more serious and personal info).
Fine... so now my boss who is extremally busy was on the phone with them for over an hour only to hear that "you need to send us an email."
Fine... So we sent them an email. Now what?
She is out of office!

Ridiculous!

Honesty one of the worst banks I've ever dealt with. Don't fall for any of their promotions. Something in the small print will always have you lose. Their reps are awful no one will or can help you. Save your frustrations. The false appeal of a benifit always will not be worth it in the end. Terrible company.

Capitalone didn't honor a $500 promise on a spark card that i applied for after spending more then $7000 (it was advertised that after spending only 4500$ you get the $500 reward). Stay away from this people they don't have a long time vision and they don't honor whats advertised. From my experience misleading ads and misrepresented products.

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

Capitol one will give out your credit card Information without permission! I just had to cancel an account with almost $1,000 in charges because they wouldn't help. I did not approve a single transaction but they kept charging me.

When I called customer service the first person didn't understand what I was saying and kept putting me on hold. Once I got a manager he called me a liar and was rude and unhelpful

Now they can eat that $1000.

Disputed transaction but the merchant still got the money, Capital One released the money to them even when I clearly communicated not to. Very disappointed, closing my credit card with them, don't need a bank who doesn't have my back and isn't capable of protecting my money

Anyone who uses Capital One is out of their mind. They charge userous late fees ($40 on $146. Balance). Then the absolute gall, when I closed my account, made full payment minus late fee (I never received the mailed bill) I wanted to confirm that they were debiting my checking account and the amount. I told them the call was being recorded and GET THIS... she stated that "Capital One does not allow calls to be recorded by customers!" They record you but you cannot record them. That is all you need to know!

Paid a 2000 bill in full to be charges 35.06 interest on a 0 balance? When I call got someone who couldnt hardly speak English and supervisor seemed to not be bothered with the charges because we never paid in full till now, sad had I known ahead in advance I would've never paid in full...won't be using your credit card again

I disputed a charge after being overcharged the wrong amount. The merchant didn't even wanna speak with me and she didn't even speak English. Complete con artist. I explained to the Capital One representative that I got screwed over and I tried to speak to the merchant. There was also a camera in the lobby that evens shows the merchant not wanting to speak with me. It was only a super small amount. Well two months later, my claim got denied. Because it's based of "quality of service, and I need to contact the merchant". Are you kidding me?! I made it super clear that I tried to speak the merchant who didn't know English and screwing people over. Capital One use to be really good. But they have completely degraded themselves.

My loan achieved maturity in June and suddenly I owe another 3400 dollar. Customer service is garbage, they have stayed that capitol one does not care about the customers. They just want more money. As a disabled veteran, one would think that the company would want to help. Instead, they have made outrageous demands for the remainder of the sum, and can care less that IF I agreed to their demands I would be left pennies to live on a month. I paid over ******* dollars on a ******* dollar loan, but now they want to repo my car over 3400 dollars they claim I owe, and refuse to allow for any type of flexibility to make restitution IF the money is actually owed, or refuse to show why they claim the money is owed. This has become a nightmare for me.

Very bad customer service by a specialist. Quite frustrating experience in getting replacement card by over night delivery. Don't want to name the girl here but explain if I am contacted by a senior customer service manager.

Capital One makes it very difficult for a small business to use their card. They require verification for online purchases like airline tickets, and only the main point person for the account can do this verification. So if you are a small business with numerous cards, this one person has to be available to verify any purchase for all of the cards - very inconvenient. And trying to get a knowledgeable customer service rep on the phone to help is a waste of time! Avoid Coleen (agent ID ITR057) at all costs! She can read you quotes from the Company's policy manual - but that is as far as her help goes...

April 2023. The worst available with the worst amateurs, who simply do not understand a dime about business or Customer Service. A bunch of stupids without professionalism they don't.n know how make better communication with customer, gain valuable insights about your customer journey, boost customer satisfaction,not using the right tools tell you exactly how poorly prepared these Capital one employees are.

I have two credit cards with capital one ( one was given by online trick, it seems I needed to update my account, but it was applications for another card). My building cycle is every 3rd and even I pay my statement in full, I still get interest charges ( 20% each month). I tried to let them know that their automatic service is " broken " that for $136 balance they can't charge $23 interest the month, but they still go round and never want to understand… if you are good on math never open credit account with them, it will hart your brain every month.
I think they will not go far with this strategy.

I have never had such a horrible customer service experience. I call complaining about what seems like a scam and that you are taking money from people not making them aware they are accruing daily interest until they make 2 consecutive full payments. Which to me sounds like an absolute scam and is not okay. And your customer service rep has the nastiest attitude with me and gives me absolutely zero help. I end up canceling because your rep was so rude. Then after I cancel my card you continue charging me my auto-payment of $60 when my balance is $0. So my card is at -$60 but there is no account to be had. So I call once again and I can only be issued a check, you can't somehow replace the money back into the bank account you stole from. But it doesn't end, then the check is mailed to the incorrect address after your customer service rep updated my address in your system to the correct mailing address. What can I say worst credit card company ever.