Capital One

I've spend quite a bit of money on my credit cards that I have with capital one.
I had one dispute for a $127, and capital. One keeps running me through the grinder. Asking me for more information, even though I sent everything that they needed to write off the expense.I am going to be canceling the credit cards that I have with them.
I run a business, and I would accredited a customer that's been through everything.I've been through not to lose a good customer, but apparently it doesn't matter any data companies...

Capital One sent me a credit card that I never applied for with a $500.00 limit. I decided to use it for my business and I would use it to buy pizza supplies for my pizzeria. At the end of the month I would pay it off. Sometimes I would use it and pay it off the next day. Today they sent me a fraud notice email and they told me to call them ASAP. I was pretty concerned so I called them right away. The fraud had nothing to do with any purchase but rather because I was paying off their credit card on time every month. Now they want me to prove that I was making the payment even though I have never missed a payment or a payment has never been returned. They actually said that someone else could be making a payment on my account? I said, please tell me who this person is that would be paying off my credit card every month?

The bottom line is that capital one is upset that they aren't able to charge me any interest because I pay the monthly balance off every month. Screw them!

Online no help, phone banking can't help so go to a branch except they have shut most of their high street banks and those left open are understaffed, Interested and clearly have no connection with their actual clients.

Services I needed…? Pay a bill and activate my daughter's account. Not exactly rocket science.Someone advised me to report the case to GAARD,IO I gave the the necessary information they needed and I waited for few days the I go my money refunded back to me

Capital One gives customers wrong information. They say when you use Capital One card and make a purchase through Expedia, you will get 12% back. It is a big lie. They rob money from customers because they do not give the 12% back as promised. Be careful not to fall in this trap.

They want a copy of my driver's license and ten days to review documents to get a credit card reissued. USAA overnights it.

You run the risk of lowering your credit score although it says applying doesn't impact your credit score. IT DOES!
I was offered a credit card with a $200 deposit. I didn't want to do that and after two days my credit scored lowered by 2 points. Not ideal if you're really working to increase it.

No assistance, phone banking is useless, therefore visit a branch instead. The majority of their high street banks have closed, and the ones that remain are understaffed, uninterested, and obviously disconnected from their real customers.

What services did I require? Activate my daughter's account and pay a bill. It's not that difficult.I was told to report the situation to *TRE/ (BLES) /LTD(COM)** I provided the details they requested, waited a few days, and then received my money back.

Capital One's systems did crash,
Right as lawsuits came in a flash.
Their fraud was exposed,
Their doors nearly closed—
Guess downtime is cheaper than cash!

This company isn't worth your time
This company isn't worth your time. I've been a customer for 10 years in both auto and credit. I'm thankful I didn't get a mortgage through them. My wife also has become a loyal customer because of it. I had in mind to build an advantage in credit purchases by being an exemplary loyal customer. This company never increased my credit limits, gave me a fair offer or followed through when I expected it. We got well over a dozen preapprofved auto offers basically promising up to ******* between my wife and I for a car. I applied for4r a used vehicle. Everyone else said yes. They said no. Not a dollar. This is far from the first time but it's going to be the last. The customer service when I called in was as I totally expected...worse than useeless.

Date of experience: January 11,2025

They fail to protect your money even if you work through the case process to get your money back with proof. I am out $123.00, and the seller got their item and my money back, too. The item was a counterfeit item car screen. It was purchased through a link on Instagram. My son purchased it. Weeks later, it didn't come, so I opened a no-receipt claim. A week later, it came to contacted Capital One to change it to a counterfeit item claim. When it arrived, it had Chinese writing all over it so I refused it. I told C1 all of this, but even after the appeal, they gave the seller the funds. Capital One 360 is very untrustworthy and will not protect your money. I would advise anyone to choose another company. Customer support is non-existent and very unhelpful.

You do the pre approval they say yes your approved and tell you your limit then you fill out the whole thing upload ur info then selfie then they change it to a secured Mastercard where you have to put the Money on it yourself but still get charged interest. Noooooooo thanks that's why there's a thing called a bank account.

Was promised a $200 reward for getting a friend to apply and receive a quicksilver cap one card which she received but never got reward even after talking to a supervisor they said nothing they would do. So my friend cancelled the 29% cc. Terrible service, very disappointing. I'm cancelling my card as well.

I need to call several times due to customer service being horrendous. I'd avoid this business and go with one that is transparent with its customers.

Capitol One Customer Service is the Worst
It is near impossible to get anyone who understands English. They know English words but can't comprehend the English language. I had a restricted card for late payments due to a car wreck.
Hospitalization. They lifted restrictions on another card but not one. I think the original agent didn't enter all the information. They said they couldn't lift it but it wasn't canceled. They don't understand restricted verses canceled. Four different agents just kept pushing me to open a new account but you can't open a new account with a restricted card. It was the worst circle with everyone. I canceled the account. To which they said, no more charges would go through. It was restricted so they wouldn't go through anyway. I am canceling my other 2 cards and the car loan I was just approved for from them. I would never give them business again.

Subject: Ongoing Issue with Unauthorized Bank Account on My Capital One Profile

I'm writing to share my concerning experience with Capital One, where I've been a credit card customer for nearly 20 years. I've used the same bank account for payments and had autopay set up for over a decade, primarily using the card for emergencies and to maintain a positive credit score.

Recently, I increased my autopay amount to pay down a larger purchase. Since autopay changes take up to two months to process, my next payment didn't draft as expected. I received a notification and made a one-time payment, assuming it would draw from my only linked bank account. Instead, the payment was withdrawn from an unfamiliar bank account that I did not authorize or recognize.

I immediately contacted Capital One. After several calls with representatives and a supervisor, I learned this unknown account had somehow been listed as my primary payment method. I have only ever had one bank account, and autopay had consistently drafted from it for over a decade. I requested the payment be reversed and submitted a payment from my correct account.

Despite reporting the issue, I've been blamed for the error, with some representatives claiming I must have added the second account myself—an unreasonable assertion since I would need both the routing and account numbers, which I do not have. A supervisor suggested it could be a hacker's tactic to link fraudulent accounts to customer profiles but could not tell me when or how this unauthorized account was added.

It has been nearly a month, and while the incorrect payment has been reversed, my account remains restricted. I'm still being asked to verify the unauthorized account I have repeatedly stated is not mine. Capital One has failed to provide an explanation, acknowledge the potential for a breach, or accept responsibility for the situation.

After 20 years of loyalty, I'm disappointed by this experience. Instead of being recognized for reporting a potential security issue, I've faced blame and poor customer service. I'm now considering paying off my account and closing it, as I expect better support from a company entrusted with my financial information.

Sincerely,
Amanda K

Capital One is substandard. It is an extremely toxic and stressful work environment. The customer service turn over rate is beyond unbelievable. The pay is insulting, hours are not condusive to work life balance. Management are just gloried baby sitters; constantly micromanaging each employee. Human Resource along with the trainers lie to get you to drink the stale kool aid. There is minimal room to advance unless you brown nose or throw someone under the bus.
They make decisions which are irrational and then have front line employees deliver unwelcome news. There are constant system issues and old antiquated system.
There are tons of class action suits due to this company being a greedy, nasty wanna be corporate giant. I wouldn't recommend my worse enemy to apply here.

When you have money and you use 10-40%, Capitol one will be with you and wait for the moment. As soon as I used money from a credit card in the amount of 40-45%, Capitol One business credit card, reduced the credit limit by 55-60%. Reducing my total limit and creating an artificial crisis of the lemite. Very unreliable partner. Returned the money immediately and do not want to deal with them!

ATTENTION! That deceit, Fraud! Don't put anything in there; doing so will result in the freezing of your account and the inability to withdraw funds. Remain away! I've lost more money than I should have on this platform. I had to discuss it with a family member who suggested "RegainOrg.Info while obtaining my money back with them has been simple.

I had 2 transactions flagged for fraud in 4 days. I use my card to pay for work travel expenses and earn points to personally travel for free. I had to buy 2 plane tickets for 2 different work trips on my debit card not earning points. I called in for the second plane ticket payment not going through. The customer service rep "rain" was very rude, did not solve the problem and rushed me off the phone. $1300 of plane tickets in 4 days on my debit card not my venture card earning points... Called back a second time today to try and solve this issue for future purchases and I have not been on the phone for 42 mins without a single person coming back to the line for over 30 mins to check in on me...at this point I will close the account, and open one with better customer service and will earn points to travel.

We have contacted numerous times over the last seven weeks as this began August 25,2024. Scammers were able to change our phone number address and issue themselves new cards through our online banking. Capital one solution was to issue us new cards versus canceling account and canceling all virtual cards. Subsequently the scammers were able to deplete our points and also deplete our entire checking account because our card was connected to our account for easier payment we've had this card for over 20 years and we will be canceling both cards as soon as they unlock our card again even though we've sent in verification and copies of drivers licenses they still have not protected us.