Capital One

Our company opened up a Capital One Spark account for business. We had an account previously for our business that had a set credit limit and worked fairly well. We had to set up this new account under one of our owner's name. Unfortunately that left me, the person administering the account, unable to perform a lot of functions without having to track down the owner who was out of the office a lot. That turned out to be a minor inconvenience though compared to what else we went through. The first day, THE VERY FIRST DAY, our account was shut off because we exceeded our credit limit. With the Spark Business card it's an evolving line of credit that you earn as you spend. We already had established $100K credit with our old account at Capital One, but apparently with this new account we were lucky to get $1K. I understand how the credit works, but if we were just switching to a different type of program in Capital One, why didn't our established credit come with us? To top it off, a glitch wouldn't allow even the Capital One customer service rep to fix. That left 25+ employees without use of their card out in the field in the middle of a job.

We were lied to when we set up this account, just to get the business and then after that, our account rep washed her hands of us. She and her boss promised to help us get an established amount of credit, but never followed through. At one point they asked why we didn't use our cards from our old account... Because you sold us this business program and our employees don't have their original cards...

If you are thinking of applying for a business account DON'T. Find another bank that won't lie to you just to get the sale and then abandon you when you are stranded without credit.

My card was restricted and even after I answered all the security questions including my social security number, the last few purchases, my date of birth, my address etc
They asked me to take a picture of my license
Thru their secure link
Their secure link couldn't read my driver license information though I attempted many times
They even told me to take the picture outsiside which I did
I have an iPhone 14 with a very excellent camera and the pictures were crystal clear on my end and my license is in excellent shape like new
But their system would not accept it
Their customer service if you can get someone who can speak clear English is horrible
I was told to upload my documents to a different site and they would review it would take at least 7 days
I'm still waiting
This is the worst experience I've ever had with a credit card company
Usually matters such as these are handled on the first phone call not with Capitol one
Spent literally hours on the phone to no avail
Their policies and customer service are only meant to hinder the customer not to help
I will concider closing this account as soon as this mess is cleared up I have credit cards from the major banks and I never had problems of this magnitude until capital one took over the account it was my favorite card to use
Don't pay attention to their commercials dealing with them is a nightmare stay away

UNBELIVIBLE STORY TO TELL... JUST STAY AWAY AS FAR AS YOU CAN THEY WILL RUIN YOUR CREDIT BY NOT ACCEPTING YOUR PAYMENTS TELLING ME THAT MY BANK ACCOUINT IS NOT REAL WOW! THEN REFUSING TO GET ON CONFERENCE CALL WITH MY BANK IN ORDER TO PROOF IM REAL. MY BANK SAID THEY NEVER RETURN ANY TRANSACTIONS FROM THEM. I BELIVE MY BANK. I REPETEDLY PAYING EVERY 2-3 DAYS WITH CORRECT ACCOUNT NUMBER AND STILL GETTING EMAILS ABOUT WRONG NUMBER. CUSTOMER SERVICE? THEY CRIMINALS! THEY WILL HANG UP ON YOU, OR TELLING YOU THEY DONT KNOW WHAT THE ISSUE IS OR... ACCUSING YOU THAT YOUR ACCOUNT DOESNT EXIST OR THEN MY BANK IS SAIYNG THAT MY ACCOUNT NUMBER IS WRONG. MANY VERSIONS DEPENDS ON MANAGER. I WICH TO GO TO THE ANY PHISICAL LOCATION TO SHOW AND PROOF IM RIGHT BUT GUESS WHAT? THEY DONT HVE ANY, ATMS ONLY! BE AWARE! STAY AWAY!

I've had a capital one account for a month and still don't have a functional debit card. I was added to my husband's capital one account a year ago and never got a card for it. We assumed it was because we didn't order one. When I opened my own account, the page said I would receive a debit card in 7-10 days. When it never arrived, I called and I was told I couldn't have a debit card because only one card was allowed per customer and they sent me a debit card for my husband's account. Despite the fact that I never received that card, it took arguing to get a new one. The man told me it would be identical to my husband's card and both cards would have access to both accounts and have the same numbers. My new account was in my name only. In order to switch where the cards pulled from, we'd have to switch them on the desktop app. So everytime we used our debit cards, we would need to get on the desktop app to make sure it was pulling from the correct account... I called back the same day because that made no sense and I was told that was untrue, I would get a card with different numbers from my husband, and only mine would have access to both accounts. I was not offered expedited shipping despite the fact that the website had told me I would get a card and that hasn't happened. When I got the card TWO WEEKS LATER, the option to switch which account it pulled from wasn't present. I made a charge on the card to see which account it would pull from and it pulled from my husband's. When I called, I was told that the option to switch accounts wasn't present because of the charge but it wasn't present before the charge. I was then told that the option to switch accounts may never appear and I would have to call, and sit on hold for 30 minutes, in order to switch accounts. I could only do this once the charge cleared which can take up to a week! I will have had this useless account for 5 weeks and have run into every headache imaginable. It should not take over a month to get access to your own money. No one at the company is helpful. This is the worst bank I have every banked with.

I just opend an account with capital one bank.my fater is been with the bank many years.
The best service and best offers

I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On September the 30th, thieves made online purchases on Walmart AR (I live in Oklahoma City). I was notified 2 later and immediately disputed the charges. Of the charges, $XX were effectively charged to my card and another $XX were declined due to being over the card's limit. After spending around 1h speaking to a non-native English-speaking representative ("fraud department specialist") I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native English speaking "fraud specialist", who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as they proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with $XX as "billing adjustment". After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least $XX. However, they have caused serious damage: I have hyperacusis. I had to be medicated because of the pain caused by the bad connection.

Capital one was fine at first, until I had to pay my bill... then they needed the Bank Proof of Ownership BullSh!t? Never have I had to do this with any other account or card, EVER! In June, I made the payment, which cleared almost immediately, then my account was suddenly "Restricted" and I got a message to call in. I did and talked with someone who barely spoke English and was visibly following the script. I submitted the requested document, no calls, I call them and that wasn't the right thing, I send different docs, they never call, I call them and that's not right either. I then send them the first page of my bank statement because I don't think they need to see 6 pages of transactions. That's none of their f~cking business! Wait more time and that's a no go too because it is incomplete. Fine, I send the whole thing and a voided check because my bank statement only shows the last 4 of my account, they need the whole number? Who the f~ck writes these policies? Seriously? Started this process June 22nd, it's almost August... unf~ckingbelievable

Horrible, HORRIBLE company to deal with, they will never call you so unless you call them every other day, don't expect anything to ever happen, my advice, choose a better company, don't make the same mistake I, and obviously many others have, STAY THE F~CK AWAY FROM CAPITAL ONE!

Horrible service don't trust this company with your money. They value thievery and injustice over their customers. Bumrush rapist $#*!.

After the SIXTH rep/supervisor I spoke with today about a BS late fee, I found out everything I had been told so far was either blatantly wrong or an out and outright lie. After 5+ hours on the phone, I am beyond done with this horrible company.
Initially, I called and complained about some reported missed payment (I have never missed a payment with anything!) they rescinded it (was told customers are granted one 1 time). I thought ok, good, at least that is fixed. Then I continued to ask and ask about how the heck it happened so I can avoid ever experiencing it. Mind you, I only charge to keep up my credit activity... I prefer using my bank card. Also, I wanted to ensure there wasn't anything negatively reported on my credit.

I was transferred 3 times to a very rude "credit specialist." Surprise! They don't even HAVE them at capital One! Then after condescendingly walking me through my notifications settings (which were all set as I wanted them to be anyway), she finally sends me to "IT." He proceeds to look into it and then explain how it is a mobile app "glitch" and that it is well known there... they have been "working on it." Then he tells me he is writing a note in my account that it is a "Capital One software glitch" and furthermore commiserates with me and says he is contacting the credit bureau to explain that Capital One takes full blame.

Guess what? After 5.5 hours I find out that no one there can even do such a thing! One positive note is that after I spoke with him, I called again and inquired about my new ballooned minimum payment only to find out that major interest was included... if I didn't inquire, I never would have gotten that refunded despite everything! My conversation with the 7th (and absolute final rep ((this one a REAL supervisor))) finally clarified all of the BS, lies, and incompetence I was fed all day. Acceptable still? Not by a long shot!

Very long story short, I am keeping the account open because of the length I've had it but after my refunds next week, I am transferring my balance to a new card. They wouldn't even offer me anything to keep my service... syonara Capital One!

Don't use or get CAPITAL ONE THE

Y SUCK WHEN YOU WNT TO PAY THEM...TOO MANY ISSUES THEY DON'T KNOW $#*!!

Capital one customer service said electronic transfer using their website would take one day.

Then days later, I get a posted email saying it was credited - But it was not credited and it did not apply to my account balance. And they did not subtract the payment from my account balance freeing up my credit line.

No other notification from them to notify me that I did not receive credit to my card and that my credit line was still frozen because over the limit. Even though that electronic transfer paid off the entire balance.

I Called them to clarify: now they said now it takes a week?" - really. Who's wrong the 1st rep that said a day or this one that says a week?

Then i looked on THEIR website, and it said on the last day of that week, returned check, incorrect account numbers. Said account number or/and routing wrong.

Checked it ON TD BANK AND my check book. Its all 100% correct!

I called my bank which had the funds that were going to be transferred in my checking account, and they said no attempt was ever made to transfer money out to Capital one at any time by Capital one bank or online banking or by anyone.

Then cap one said I should investigate and Said I have to go to my bank and get a letter saying there was no transfer - really? I have to...

Stay away from Capital
After all this, I told them to cancel the whole electronic transfer. I asked them If I deposit the money directly into a cap one bank, how long would it take to clear? The account supervisor at Capital one said, "only one day." But when I deposited it at their bank teller, they gave me a receipt and it said, "1-2 days! That would screw up my plans to use the card the next day on something urgent.

Stay Away from Cap One. The are an incompetent bank with a chaotic system of people that have no clue about banking, what's going on in their own bank, and extremely poor customer service, in my opinion.
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Credit cards: they gave me an initial 1,000 card. After a year of using it and paying perfectly, I applied for an increase. They said, no. I did not use the card enough! I don't use the card enough because it does not have the credit line I need to charge what I want!

MY advice: Do not bank with them, no matter what the rates and stay far away from their credit cards and find a normal major bank to deal with that you can trust to handle your banking and credit needs

Last year I decided to do online payment with my payment method and here the bank (I used for the payment) calls say that there were fraudulent charges to the account and someone was trying to access numbers to the card but the bank wouldn't let them, so had to get new bank card, the call representatives are foreign and I believe one them tried stealing money from the the bank account, glad our life savings wasn't in the account
And here recently I did a online payment on the credit card it went thru in 24 hours both my credit card and bank process payment it went thru, it posted... it's been five freaking days since my available credit was loaded, when I make a payment and it's posted available credit is immediate, this morning at 12am I logged into my capital one account and it's available credit was my credit line (I paid off the entire credit limit) so I decided to pay bills so my available credit went back to zero when I tried paying it. Like what the hell do I have someone stealing my funds or a hacker...I ONLY do phone payment because online PAYMENTS are not secure

I applied for a Spark credit card for my buisness today, against my better judgement. I am a current customer of Capital One with a personal card from one of the department stores the represent ($20k+ line of credit). No missed payments to Capital One on that card, and no miseds payments on my credit report. Todays scores from all three credit repoting agencies are 779,769 and 761. Six figure income, $2400 a month mortgage and no negatives. With that said I was declined for the card that said good credit needed. I should have trusted my gut and not applied for another card from Capital One. The overall review of this company on multiple sites are all the same, HORRIBLE. Not that they care, but thank you for your decision Capital One and saving me the experince of dealing with you with regards to my company. I just applied for an American Express Buiness Plantinum card and was given a $70k line of credit. So again, a big thank you Capital One for helping me get an amazing credit card for my company.

Shame on you CEO of Capital One.Worst Credit Compamy in US.After Bjs asked issue card for me this backward Co.refused

Wrong bank ever will never back with them again! Bull$#*! $#*! bank! Reps are rude asf and no help!

RUN RUN RUN FAR AWAY AS POSSIBLE! IF YOURE TRYING TO REBULD YOUR CREDIT YOUR BETTER OFF GETTING A SECURED CREDIT CARD FROM AMEX OR ANYONE ELSE BESIDES THESE PPL! THE ONLY REASON MY ACCOUNT IS STILL OPEN@ THE MOMENT IS CAUSE ITS ONE OF MY OLDEST ACCOUNTS BUT I HAVE AWESOME CREDIT WITH OVER A 250K CREDIT LINE SO ATP IDC ABOUT CANCELING THIS BS ACCOUNT WITH THEM! THESE PPL HAVE ALLOWED SAKS TO PUT SOMETHING ON MY ACCOUNT FROM 5 MONTHS AGO BUT THE CONSUMER ONLY HAS 60 DAYS TO DISPUTE A TRANSACTION! SO HOW IS THIS RIGHT OR LEGAL? ESPECIALLY WHEN SAKS IS TRYING TO SAY IT OCCURRED A FEW WEEKS AGO & I HAVE NOT USED THE CARD IN 4 MONTHS! NOT TO MENTION SAKS LIED MULTIPLE TIMES SAYING THEY DONT ISSUE REFUNDS BUT THEY DO & DID WHEN I RETURNED THE MERCHANDISE! I CAN GO ON FOR DAYS ABOUT THIS PATHETIC RIDICULOUS SCAMMING SHIESTY COMPANY! THEY KEEP BOUNCING ME BACK TO SAKS & SAKS KEEP BOUNCING ME BACK TO THEM CAUSE NEITHER WANTS TO DO THEIR JOB NOR TAKE ACCOUNTABILITY FOR THE BS THEY ARE CONSTANTLY DOING! THEN WONT EVEN ALLOW ME TO DISPUTE IT CAUSE THEY KNOW I HAVENT PURCHASED ANYTHING FROM THEM! SAD HOW THESE COMPANIES HAVE RESORTED TO FRAUD & SCAMMING LOYAL CUSTOMERS! IVE NEVER EVER MISSED A PAYMENT, HAD A LATE FEE OR ANYTHING WITH THEM IN THE 15 YEARS IVE BEEN WITH THEM! I WOULD NOT RECOMMEND A DOG FOR WATER TO THESE PPL & THE REVIEWS & SCORE TELLS YOU THEY ARE HORRIBLE

My experience with Capital One service on November 19,2022 was horrible and deplorable. I was on the phone for approximately 1 hour and 45 minutes regarding Capital One requesting I submit a response to one of my cases regarding a refund of a hotel deposit. The second issue was I received a credit card alert from them about 3 weeks ago. I contacted Captial One's fraud unit and they decided to cancel my card and to issue a new card. The fraud unit advised they would send my card to my temporary international address via express delivery to one USA destination and then regular mail to Portugal. The card never arrived so in my communication with them I was advised Capital One never issued a new card. Speaking with a Capital One representatives in the Philippines, Jamaica and the USA about the issue. FIrst the Philippines representative after four attempts could not write the address to send a replacement card. After three transfers to another agent, I was advised that before they could send my card they needed to verify me. I gave them my temporary international phone number and was advised they could not dial an international number plus they need a local number. I then asked about other means of identification. I was advised I could use a state issued proof of identification, a valid drivers license or a photo copy of my passport. I said ok use my passport. What a cumbersome issue - they advised they would send me a link to photo my passport on my phone or computer. I told them my computer did not have photo capabilities. We finally resolved the issue as Capital One was about to send a verification code to my wife's USA cell number. Capital One sent me a link to upload my letter and other documents to their web site regarding my dispute for them rejecting a fund claim. I've tried the link for the past two days and the repsonse them the Capital One site is try again later. If you tried to respond to a capital one email, your response will be returned with a response your cannot send mail to this address. You cannot find a contact phone number or email link on their web site. What deplorable conditions for Capital One. They are NOT CONSUMER FRIENDLY

For the past eight days, dealing with Capital One has been an absolute nightmare. Completely useless. I have been with them for many years. I have been a great customer, paying my balance entirely at the end of every month. Unfortunately, I met someone recently who claimed to be a friend but turned out not to be. This person offered to pay my balance and gave me their banking information to do so. Payment was submitted and Capital One restricted my account immediately. I have multiple automatic bill payments set up and did not want those to be affected so I requested to cancel the payment but they would not even give me that option; this within just a couple hours of submitting payment. They needed to verify the payment with the account holder first which is understandable. They also needed to verify with the account holders bank that they were the actual account holder, which is also understandable. Both of those verifications are understandable in regard to the payment but absurd that my account would remain restricted, unable to use at all in the meantime. The thing is, this "friend" ended up being bogus, with intention to scam. Needless to say, the payment did not clear and the person has been unreachable. Capital One claims that they understand my frustration and yet insist that their process remains that they still must get bank verification from this criminal (for a payment that didn't even clear and is now a moot point anyway) in order to lift the restriction from my credit card. I have spoken to them for multiple hours a day for 8 days and have gotten nowhere. Their logic is to get in touch with a criminal in order to make the hassle this has caused me disappear and that is obviously never going to happen. It is all out of my hands at this point and my fate lies in a criminals hands and somehow that is OK with them and there's nothing they can do?! Absurd. I have so many automatic bill payments set up with this credit card and if I close the account it will still remain in restricted status and I will also lose all my miles. Applying for a new credit card is not going to be feasible given that my credit now shows a restricted card. They have a hugely flawed process which does not protect their customers who have become victims of fraud. Unbelievable lack of reason and logic. So exhausted and upset.