Capital One

My experience with Capital One has been extremely disappointing, to say the least. Despite consistently making timely payments, they abruptly closed my account without any prior warning or explanation. This lack of communication is simply unacceptable and has left me feeling frustrated and betrayed.

To make matters worse, when I reached out to one of the representatives with ID# WEU624, who claimed to be the highest authority within the company, she displayed an alarming lack of empathy and understanding. It's unacceptable for a company representative, especially someone claiming to be in a position of power, to dismiss the concerns of their customers without attempting to assist or find a resolution.
The way this situation has been handled has not only affected my relationship with Capital One, but it has also left me with doubts about their integrity and professionalism. I trusted this company with my financial matters, only to be let down when I needed support the most.

I plan on sharing my negative experience with my family, friends, and anyone who will listen to ensure they avoid dealing with Capital One. It's disheartening to witness such disregard for their customers' satisfaction and well-being. I urge all associates and potential customers to steer clear of a shocking lack of empathy and understanding. The representative with ID# WEU624 seemed completely indifferent to my situation and failed to acknowledge how their actions have impacted me.
Not only was the closure of my account unfair, but the customer service I received from Mosha was far from satisfactory. She arrogantly claimed to be the highest authority within Capital One and brushed off any possibility of helping me. It is astonishing that someone in such a position of authority could be so dismissive and unhelpful.

The way I have been treated by Capital One has left a lasting negative impression on me. I can't help but feel that their supposed commitment to customer satisfaction is nothing more than empty rhetoric. This experience has made me question the integrity of the company as a whole.

I am incredibly disappointed in how Capital One handles its customers. With their abrupt account closures and unhelpful customer service, I strongly advise my family, friends, and associates to steer clear of this company. There are plenty of other financial institutions that prioritize their customers and understand the value of communication and loyalty.
I hope that my review helps others avoid the frustration and disappointment I have experienced with Capital One. It is truly disheartening to see a company that I once trusted fail so miserably in its obligation to provide fair business relationships

Some of the worst customer service EVER!

These cards and company are by far the most unprofessional and inconsiderate out of the bunch that I currently posses. I have been a CC customer of theirs for 4 years now and have had nothing but BAD experiences with them when dealing with CS. Lack of knowledge on products and ZERO assistance with said products. Starting with a secured card, I worked up to a Platinum card, but can't get past a $500 limit. My QuickSilver One card won't get past a $600 limit, all while having limits of $25,000+ on my other rewards cards. I had an offer to upgrade my QuickSilver One card to a QuickSilver card 4/22 so that I would no longer have the ridiculous yearly fee for what is an abomination of a valued CC. But, this offer was NOT extended to me in ANY capacity. When I arbitrarily called to see about an upgrade on my account, I was made aware of the "missed offer", made aware that they had made NO attempt to contact me about the offer (no email, text, app notification, nor letter), and made aware that CapitalOne is NOT responsible for informing their customers of any potential offers being extended and that is was MY responsibility to call in every month to check the availability as opposed to the company sending out offer letters/emails/correspondence. As well, since I did not call in last April to accept the offer I was NEVER made aware of, I no longer qualified and that I would need to call in monthly going forward to check for any other offers. I was all about promoting CaptialOne when I first started my credit repair journey, as they seemed to be a decent company. But, once I did a bit more research, had to actually interact with their customer service dept., and had experiences from different companies, it was an easy choice to put these cards away and NEVER use them again. And after this latest debacle, you can trust I will NEVER use another CapitalOne product again. With that said, I STRONGLY SUGGEST you stay away from ANY CaptialOne products if you value GOOD customer service. AMEX and Wells Fargo for the WIN!

I attempted to find out why the refund I was informed that would be in my account was not, I ended up with a Senor Account Supervisor who I allowed to speak but when I tried to do so I was continually interupted. If it is your job to listen to your customers I don't understand how you can if you are continually interupting them. Mark who was the JA that was put on the phone would not identify the position of the person he worked for, and kept saying that he was the senior person there to speak with.
But when I asked for the name of the position of the person above him he said there wasn't one so I asked if he was the CEO but he responed by saying that CEO does not speak to customers on the phone. So Mark is NOT the CEO and there is NO ONE above him which in and of itself is contradiction since he is not the CEO there has to be someone above him but he would not divulge what the name of the position of the person who is above them?! This on top of continually interupting me shows that TOTAL lack of perfessionalism displayed by this moronic JA.

I have never been so disappointed at a bank like this. I got an invitation from the bank that I am pre-qualified for quick silver credit card. Since it needs good credit score, I waited until my credit scores from different bureaus increased (near 800), then I applied for the card. I got rejected. I called the bank customer service and they told me I will receive a letter (in my mail) that explains the rejection's reason. I waited one month and did not get the letter. BUZZZZ
Then called again and they said they emailed me the letter.
The reason for the rejection was "too many active credit cards" (I had 6 credit cards at that time, after 6 years).
Then I talked to the credit card application agent. First of all, she was too rude. Never let me finish my sentence and had no information about banking. I asked her why I am pre-qualified and she said it is based on the annual income! BUZZZZZ
Then I asked: what is your policy about the credit card numbers? She said she does know and I should call credit bureaus. BUZZZZ
Then, I explained It is your bank's policy not credit bureau policy. Finally, she told me they allow their customers to have only 3-5 credit cards.
Capital one credit cards need good-very good credit score which means they are not the people's first choice when they just started getting credit cards (students like me). People usually start with Amex, Discover, and etc. Based on this fact, a good proportion of people will reach 3-5 credit cards in five years, means they cannot apply for capital one credit card's anymore.
Then I talked with the agent's manager and asked why my credit score is reported 730 while based on the credit bureaus that you mentioned in the rejection letter, my credit score should be near 800.
She did not know. BUZZZZZ
I have asked her about pre-qualification criteria. She did not know. BUZZZZZ
I have asked whether annual income is a pre-qualification factor. She did NOT approve and mentioned the agent should not said that.
I have asked about the number of credit cards limitation and she approved they do NOT allow more than FIVE credit cards.
It would be better if capital one bank could train its employees especially those agents that are rude and ask them not to spread wrong information.
Also, if could be more useful if they hire specialized data scientists to apply an algorithm for pre-qualification instead of just randomly send the invitations (several times) and put hard inquiry for rejected application on people's credit history.

If you appreciate the run-around, Spy-ware, and pretty much ZERO customer service, THIS IS THE CARD FOR YOU!

Today I was greeted with the most horrific customer experience. I went to a friend's home and called Capital One to make my payment from our arrangement, and was initially asked if I have my car- I never had been asked this before so I was confused- the representative was misleading and secretive even though I had nothing to hide and answered her questions. She tried repeatedly to confirm if I had my car which I was unable to because I was not home. I was told they had not been able to get my payment. I told her this is weird because the funds are sitting in my account and have been for a few days. She urged me to travel home and get my debit card to make a payment to resolve this over the phone and I said I would call back. Upon my callback I was told I gave a auto payment to be taken out immediately instead of waiting for the charge to my debit. I was then told the different responses: the company suddenly does not have my car, then the rep stated my car has not been taken, and another even went as far as to indicate that someone I know probably stole it which is not possible in anyway. Then it was later said nothing can be told to me as far as what is going on and even though this caused myself distress, the company failed to provide a resolution or even show remorse or empathy. If the company had called to confirm an over the phone auto payment then conflict would have been avoided. I almost did not even make this review because I never saw so many bad reviews about a company and its experience where nothing is done to respond to the complaints I cannot believe I got stuck with this company for my first car financing because why give me a vehicle for the betterment of my family only to inconvenience your customer AFTER getting a paid that was scheduled. I am disgusted by this company and Josh in customer advocacy dept needs to be fired. Who the hell hears all the distress caused by this and then purposely places a customer on hold for 15-20m without even checking in on the client holding. I even asked to be transferred because too many workers claimed they do not have the answers I need, but they actually told me that no one is available in terms of supervisors or management to resolve emergency situations. This left my son unable to get home and myself forced to walk in high temperature at long distance with a heat exhaustion and anxiety disorder simply to get him home. And all of this caused by Capital One on my wedding anniversary. I hate the people running this company. You make what could probably be a great company utterly sour.

Do not get a Walmart rewards card. The rewards just disappear if Walmart delivers the wrong order!