Capital One
Reviews and Complaints

I paid my Cap 1 card down to just over $800 balance now, out of a good $7K limit.

I received my statement and made a payment immediately. The interest charge (this month) on my small $ 800 balance was $ 38.00 but my yearly interest is 22.9%

Even with simple math, $ 800 x 22.9%/year = $ 183.20. Then,
$ 183.20 / 12 months = $ 15.26 interest due...

Did I miss something? The idiot at Capital One said it was because I did not pay off my $ 800 in full. Why would I have to pay it off in full? Makes no sense. I could also tell this guy was sitting at home with the tv going in the background, eating food, and just some stupid kid that did not care, nor have the correct answer.

I am reconsidering dumping Cap 1 after 20 years, but do not want to over-react due to 1 stupid employee. Not sure what to do... If I call back I will most likely get another [censored] that cannot do math.

I made a payment online Sept. 18, 2021 at the CapitalOne site using my Debit Card, which was stored in their system from a previous payment. The site showed my payment had been made on the 18th. On the following monday I checked the Cap1 site after becoming aware that my checking account had more money than expected in it. The Cap1 site showed the payment had been credited to my account. By tuesday the payment had still not cleared my bank, so I checked the Cap1 site again. This time the site showed no record of the payment having been made. I contacted my bank, that informed me no payment request had been made by Cap1. Cap1 charged me $39 for a late payment. Several months prior I had made a payment on the due date with an electronic check. This payment wasn't accepted either. Cap1 stated that it had the wrong account number. I checked the account number 3 times to make sure it was correct! Something very fishy is going on with this card. I also made the mistake of using this card for a purchase that turned out to be fraudulent. They refused to credit my account even though I sent them pictures of the items received, & invoices of the items that should have been received, that clearly proved the vendor was a fraud.

My acct is Restricted, (due to suspected fraudulent activity, but it's just me trying to use my own card) however, I have called multiple times and have spent hours on the phone w/o success and now they want me to scan all my personal information and send in!

I have had CapOne card for many yrs, pay my card every mth, have never missed a pymnt, and now with my acct Restricted, I can't redeem over 70K of Reward miles which I earned!

I only wish it was not in my Wallet!

Albert was my teller at approximately 1230 pm 12 21 2021 i mistakingly filled out a withdrawal receipt and Albert took it upon himself to try and embarrass me in front of everybody in the bank by yelling "this is not a deposit slip!" I kindly asked y did he tell his response was nobody can hear him I heard him fine I'm 45 not 90 and hard off hearing.felt very uncomfortable and disrespected . Do not wanna deal with him ever again.

I have multiple accounts with Capital One which used to be my favorite card company until this last year. I have had my accounts for over 20 plus years always paid on time. Now I want to convert 2 of my accounts to no yearly fee and they say it cant be done do you want to close the accounts? I mean they could careless if I stay with them or close my account. What happen to this company they used to care about its customers? now its like get lost we dont have time to deal with you. What happen to customer service that built this big company! I mean you really dont give damm that ive been with you guys for well over 20 years and always paid all my accounts 100%. I guess using your slogan " Whats in my wallet will not be my Capital One cards Discover & Citibank treat me like gold

Their computer system generates just about everything for them and it is very difficult to be treated like a human. Their customer service department is merely a bunch of zombies reading from a script therefore is almost impossible to have a real discussion. I've had this card for two years and never had a late payment. I paid this months after 8 pm ON THE DUE DATE online, which apparently didn't doesn't through until the next morning. I received a late fee. I called customer service and even talked to a supervisor. Neither one could or would, waive the fee. They do not humanize any situation or help rectify a situation, you are just merely just a number.
I closed my card as did my husband. What a joke of a company.

August 2020: Bought 2020 Nissan Versa

March 2021: Started receiving Letters and phone calls wanting my gap insurance. That my vehicle has been in a front end total loss collision. Some how my vin # was used and not the vin # that went to the vehicle involved in the incident. My VIN # 3N1CN8EV4LL807049 and has never been in an accident. Geico is the insurance involved and will not tell me anything because my name is not one of the parties involved just my VIN #.

The vehicle that was a total loss was sold at action under my VIN #.
Carfax has my vehicle listed as a total loss and on Salvage Title

Registration expired August 2021: I went to the DMV to buy new tags for this vehicle and could not purchase. The vehicle is not titled in my name. Shows Geico as the owner of my vehicle.

I have talked to capital One my times and just keep getting the run around with no results. Im told couple more days and it will be fixed. Last time they told me 15 days. Well 15 days has passed and still not fixed.
So now I have a car with that I cant drive because I cant buy tags for because Im not listed on the car at all as the owner. Geico listed as the owner of the car. I refuse to make payments on a car i cant drive, buy tags for. Im done messing with this.

My Information
Edward John Burns
[protected]@vaughnconstruction.com
[protected]

I cannot go a single purchase without my card being frozen. The first time was went I sent a Western Union to my cousin overseas. They held his money, accusted me of funding terrorisim, and reported me to go knows who.

I'll just copy and past what I sent t o their twiiter;

I don't deserve to be treated like a terrorist because I have a funny name.
Please explain the massive audio behind my account.
12:01 AM
I was testing an occasionally reporer error on my SMB, wesbite when dealing with invoices, and it did't work for me either.
I explained I was tested my own sick, three times, with three different agents they said they'd fixed it
the fourth agent wanted my ID.
I spent the day verifying the facts, and the presumptions.
I was now told to upload three forms of ID, including my banking statement and social security card.
I am a good customer to you. Why would you treat me like this?
12:04 AM
Fraud protection justice
#BNG201 solicited various information from be, on paper. before deciding to authenticate me.

Gtk034
JON

Transferred me no where.

All the Indian woman can be herd gossiping in the background, purposefully muffle their names, get upset when you ask it to be spelled, hostile when you ask for their identifier.

I don't care about my credit
history with you, in ligjh of how sour or relationship has turned
if you have no intention of repairing it, without calling me a terrorist or requeiring ever more ID fro me, I have no problem what so ever ended our relations.
12:09 AM
It's not a jerk reaction, it's a. well documented audio video series of phone calls waiting to be editorialized for Medium and YouTube.

For the last 3 years I have had to call every few month to get clearance to pay college tuition to the SAME college. I do not understand why this cannot be fixed for the duration of attending college.

My Name is Kim Guthrie
card # 5228xxxxxxxx8436
phone # [protected]

to whoever reads this complaint, today(Sept 2/2021) I tried to increase my card limit and was told that my account needed to be reviewed and an offer has to be made to increase my limit. I told them I was willing to let them review me NOW and gave them authorization to do anything they needed to do. This was not good enough because this isn't how your system works. This is TOTALLY RIDICULOUS as you have a responsible customer willing to use your card but have to be reviewed by WHOM or WHAT? Any other card I have does not require this. If I was a credit risk I would understand but this is not the case. I have an excellent credit rating, above 800 and find your answer absurd. If you want me to use another card that means my business is not good enough for you and I will surely do this.

Seriously? You are requiring a covid vaccine to have an account with capitalone? This is illegal and unconstitutional! You cannot do this. I have been extremely unhappy with capitalone requiring these damn masks in the bank! I am not sick so I can't give anyone this stupid covid that you are so freaked out about. I have asthma and that is one of the respiratory diseases that even the [censored]s at the cdc say is a reason you do not need a mask. Your people are rude and ignorant of this rule and i've about had it wit capitalone and your lousy policies. Now you are requiring a vaccine? You cannot legally do this! If you do, I will close my account and say to hell with capitalone,

August 19 2021, I was accessed a late fee and interest on my Card ending in 3323. I called Customer Service and talked to Gail about having these fees waived, I have 3 credit cards with Capital One, Always a good pay on all of my accounts. She denied my request even after my explanation of why, stating it was my responsibility to get payment in on time. Condescending tone as if not to take into account my record and reason I was not able to make payment, keeping in mind I made payment the very first thing the day after due date.
My reason for missing due date: I am a Boat Captain in Naples Florida, there was a Storm 'Fred' coming through Naples Florida, as part of my job is to secure boat assets of owners to shield their possessions from storm damage, this takes time and days to complete, my time and mind is on getting all of these task (several Boats) completed and secured before the storm hits. I would hope and think Capital One could acknowledge the severity of this and take into consideration into Waiving late fee and interest to a good paying client.
I can be reached at [protected]. I hope this to be resolved satisfactory

Stuart Brenton

I made my credit card payment 5 days before the due date. I received a late payment notice. I go on line and pay off the entire balance and then call the customer service number. They removed the late fee, but tell me that they cannot do anything about the now mistake on my credit report/score. It dropped 35 points! I've never been late with a payment in my entire life!

I mailed in a payment to capital one for my capital one credit card and Walmart card on July 29th.As of aug 18, the checks has not been received . I've called and spoke with several people was told that notes was being entered into the system for the seven calls that was made.Actually nothing was entered into the system. I've faxed the check stubs on the thirteenth of August.I called today to speak to someone about me putting a stop payment on the checks . My credit union said that if they came in and you tried to deposit it there could be a fee. So I called and was transferred three times and no one spoke English. Very dissatisfied Customer.

I had an account in good standing with Capital One and when I received a PPP loan and the account was frozen. I have been working on this clearance for a couple of months now. The bank froze the account at the same time as the CBS news aired your process. The representative that was working on my case, hardly returned calls then found the loan incorrectly given when it was not given by Capital One to began with. Capital One then closed all my accounts but this one and will not close it. I was advised that the account would be closed and the money would be sent back tot he bank that issued the loan, then I was advised by the bank that issued the funds that they will not make a request to retrieve the funds back. Capital one has not contacted the bank to find out there process not has they released the money. I was also advised that any new funds coming into the account would be released, especially governmental funds. Since the account is still open the IRS provided my Plus up stimulus to this account as that is the account that was listed for my taxes. Capital one has not released the funds and advised they will not due to there is not enough funds to cover the full loan amount that was issued. They are separate and have nothing to do with each other and I am not sure why they are holding the Plus Up payment given.

I booked an international trip with my daughter in November of 2019.
Due to Covid, our destination was changed three times.
Our third destination to Fiji was booked with Capital One Travel in February, 2020.
I used 175, 999 rewards points to purchase two round trip airline tickets on Fiji Airways.
These reward points are still not refunded to my Capital One Credit card.
I would request that Capital One Travel return these 175, 999 reward points to my account.

On March 20, 2020, the trip to Fiji Islands was cancelled.
on April 29, 2020 I called Capital One travel and was assured not to worry about it, all reward points would be returned to my account within three billing cycles. It has now been 16 billing cycles (16 months) since the trip was cancelled.
By May 18, 2020, i had received all other refunds from airlines, hotels, and trip excursions. But not capital one rewards points.
I called Capital One Travel every month in 2020 and have made over a dozen calls these past 16 months. Each of these calls requires that i stay on the line to speak to a supervisor and the waiting on the calls takes over an hour. I am currently on a call and the timer is currently at 2 hours 13 minutes and still waiting to talk to a supervisor.
According to the Capital One Travel person i am speaking with, they cannot call me back after they get in touch with the supervisor.
According to the capital One Travel person, there is no way for me to email or phone a supervisor directly to discuss a customer service problem.
The only way to get a customer service problem resolved is to hold on the phone for 1, 2+ hours. Therefore, the is no documentation available, just the recorded phone calls, for which i do have dates.

Firstly, this customer service system is poor business practice, especially for a company the size and scope of Capital One.

I have asked the representative to close my credit card, they didn't close it properly and I had a balance on my credit card.
I got charged and interests were collecting on my balance until after three years when I have found out about my account not being closed by their mistake. I have called them to help me in this situation.
they closed my credit card this time and just said you can pay your balance whenever .
The manager Mr. George didn't mentioned anything about my rewards those are needed to be redeemed before the account being closed.
this was the way they had treated me as their long time customer.
They better go to hell.

I am very appalled of the situation at Fresh Meadows Queens Branch. I went there 2 weeks ago and there was no air conditioners working. I said I was not coming back until today. How dare this company have their staff working under those conditions. Hot, stuffy and no air circulating. At a time when we need to be germ free your company is treating those poor workers as slave. Working in deplorable conditions. I have to thing about continuing my business with Capital one. You do not disregard the health of a human being. I am so upset and I feel bad for those who do not know their rights. How dare you allow your workers to continue working in such uncomfortable conditions! What kind of leaders do you have that not even water is offer to these poor souls! I am disgusted! I will contacting the media.

My joint account with my daughter #[protected] she is in college and we use this account to make life easy by transferring funds for her gas, grocery, rent etc. She works at a restaurant and on July 30th she found a few checks (9) total that she wanted to make sure had been deposited. She has tried to deposit a check before that had already been deposited and the mobile app will immediately tell you this has already been deposited. This day it did not. It resulted in her account being frozen. She called to try to resolve the problem and instead of just reversing the deposits and opening the account, she was told the account would be closing and she would have to reopen an account with someone else. REALLY! This is how you treat customers? If the app would have worked properly it would never deposit the same checks twice.