Capital One
Reviews and Complaints

Venture visa ending in... 8477
I'm in switzerland right now. This is the second time it happened: I can't go
Into my accounts (visa or savings) when i'm overseas. They want to send me
A code to open it. But it does not work in europe. If it happens one more time
I'm going to cancel both accounts. This never happened with other banks.
Please rush and solve it!

Hugo schneider
[protected]@hotmail.com

my husbands credit card expired so we requested a replacement card. the request was made by phone and was accepted. we received a statement charging us 59.00 annual fees. then a few days after that we received a letter stating that our request for a new card was denied.
when i called about the denial, the representative stated she could not remove the charge, and that we had to pay it even though we have no access to the credit line. So they are charging us for nothing, and we are stuck paying it or having a delinquency on our credit. How is this even possible?

In April 2021 I purchased airline tickets for my wife and I, using the Capital One Venture Card. It has been advertised as the "Best" CC for frequent travelers. Not So anymore. By eliminating Visa Trip Interruption benefits, Visa tells me it is the decision of each bank, you just made the Venture Card worthless to travelers, especially during the airline flight changes of purchased tickets. This is more then a disappointment. I may now suffer financial harm, as American Airlines has informed me the the flight we booked from LAX on 19 September to Madrid, Spain, connecting in Chicago, has changed the schedule. Now, instead of a 90 minute connection time in Chicago, we only have 40 minutes. Even a 10 minute delay of any type will make it impossible to change gates (terminals?) and transferred our checked luggage to the other aircraft. I have contacted the airlines, Capital One, and Visa, all to no affect. I will have to pay penalties to change to an earlier flight out of LAX in order to have a reasonable connection time at Chicago.

They constantly bombard you with junk mail to buy more stuff, sign up for a card, etc. Phone support was a joke. I called 4 times over 3 weeks to get an external account linked. They screwed it up every time. The linking bank even told them what they needed to do and they still managed to fail. I've had enough of these idiots and will be moving my money to a local bank with functioning humans.

In June of 2021, I logged into my acccount. Paid off the balance showing (in addition the account had been closed a month ago or so.

In July, is shows an interest charge of $29.32 Why I wonder, since balance was paid off. I contact Cap One and am told interest is for previous month, blah blah blah.

If ;you see your total balance owed, there not should be one snuck in later

Bait and switch?

O will never deel with these blood suckers again. Blood suckers indeed!

I have had a capital one credit card for years. When I called to get access to my account and explained that my wife had died in April of 2021 and I did not know the password to enter my account the representative was very rude and condescending. All I wanted to do was pay my bill. and being treated in this way even though the card is in my name and I provided all the information i.e.. social security number, address, phone etc. was very disrespectful, therefore I paid the total amount due $35.00 approximately and cancelled my card. I feel capital one owes me at the least an apology as I was a loyal customer for years and kept my account current . My reward from capital one was to lower my credit rating 20 points. is this the way you trust all of your customers. My card number was [protected]

As like many other businesses owners I received a paycheck protection loan, and they froze my account, they requested documents to prove my business was official, I sent them in that same week. June 8th, 2021 I called back July 8th 2021 and they stated they never received them, so I asked them to just send my funds back to my lender and close my account because at this point I'm dealing with a hardship. They have not done anything and my funds are still on hold in an active account that they said I can't close until they are done investigating

July 22, 2021

It is obvious that Capital One has a computer that generates mostly everything for them and it is very difficult to speak to "HUMAN". I have had this card for over 2.5 years and every time I request an "online" increase it shoots me down. I have an outstanding credit score and credit card payment history. This card is my oldest account and I keep getting denied for increase by computer. The customer service for Capital One is horrible (my other credit card companies have a better reputation). It is very frustrating as my other cards have a much higher credit line and it discourages me to even bother keeping this card and referring anyone to use this company.

I was 30 days late because I had two Capital One credit cards and mistakenly kept making payments on the one card and not the other. I called Capital One and asked that they make an allowance for this oversight, as I have never missed a payment on any credit card in the past five years. The answer from Capital One was a resounding NO!. Note: This is a company that has the highest rate of suing their card holders, by FAR. Missed two payments, told them I would pay any amount they wanted to bring the account current, and asked that they rescind the late payment penalty. Again, their reply, No, no, no. I couldn't cancel that card fast enough. Took a hit on my credit score. Who cares. It shows one late payment of 30 days, and 300 "ok" payments on every other card. Don't be fooled by the cutesy, "What's in your wallet" commercial. I'd say it's more like, "I WANT what's in your wallet".

I have been unemployed since covid started. My husband is on social security which doesn't even pay our bills. I spoke with Patricia id#xrd710 a supervisor who would not give me her manager. My husband Robert stirpe has called numerous times and they never offered the reset program until July of this year. I requested the late fees for previous months which we would of qualified for the program to be credited to help us out. We are trying everything to rectify our situation as a good client. His social security # is [protected] he is the primary car holder. Patricia said she had a manager and would not even transfer me to them. She said there is nothing she could do. Was not helpful to individuals that are struggling to survive after all this pandemic. I wasn't asking for my debt to be resolved but to credit me for fees that i would not had to pay if my husband was offered the program. We finally call today 7/15/21 and they offered the program which is appreciated but as an institution who truly makes more than enough on customers to help out an individual who is truly trying to do the right thing until there situation changes would of been the right thing to do. Please if there is anyway you can help out with the previous late fees it would help out our situation. Thank you Deirdre and Robert stirpe

I am on social security, and social security is a class that is protected from levy and although the IRS informed the bank and sent them a letter that if my funds were Social Security it is protected and could not be levy, Capitol One Bank stated they would allow levy and does not honor the protective class they only honor levys and do not make a difference, therefore they took out $503.00 and funds and also charged me money for having to process payment to IRS Levy

Capital one asked for information for incoming verification, i send no call back so i called them several times all to get please send in same documents i sent a week ago. I have googled and alot of people having the same issues with them for years the ask for information they say they have no received it so you follow the link and send again another week has goin by i called back the same thing. They do this so the account goes unknown then they ask do u want to open up another account leaving you with that previous credit card its the same thing well fargo are doin to people

I have asked for a manager (ERC) but the indian lady who took my call on July [protected]@7:52pm refuses to transfer me. The woman cant even speak english. Its like OMG! I have an issue with a payment not posting correctly. I made a payment of $100.00 through my bank on July [protected]@11:59am. At that time my balance was $189.25. prior to that I had made a $50 pymnt as well.
When I checked my available credit it said $210.75; yet I have a credit limit of $300.00? According to their online system and their phone system my current balance is$189.25. I explained to the representative that this is not mathematically possible. She then said well maybe your credit limit is $400. That's not right! So now I am worried about the representative mishandling my account; not to mention that my payments are missing.

On June 1, 2021, we made several international wire transfers from our account to business partners in Ghana.
For some reason, some people at Capital One decided that these wires constituted "unusual activities" and the account was put on restricted status.
No notification was given, other than by letter in regular mail, arriving many days late.

We found out about this "restricted status", we tried to get information about why, and what happened with the approximately $450,000 that was in the account at that time, minus the values of the wires.

Over the several weeks that followed, one thing that was deposited was a deposit from the SSA. As well as the net proceeds of the sale of a house, totaling about $98,000.

After we proved that the SSA funds and proceeds from the house sale were what we claimed them to be, Capital One issued us a cashier's check in the amount of some $98,000.

Fast forward to today, and a great many phone calls in between, all of which were ultimately useless because no information was provided by the Capital One group, called the "Customer Protection Resolution Team".

Today I was told that the balance was $385,290.54, with an available balance of $0.00 due to the ongoing "investigation".
We were also told that of that balance, the "investigator" told the person on the line with me, that they could issue a check in the amount of some $98 thousand dollars, after approval. We asked them to clarify that. The a
$98,000 was the total for a deposit of some $3,000, plus another ACH deposit of some $95,000. This is exactly the money that Capital One had already paid me some three weeks ago in that Cashier's check! I told them that at that time!

Utter incompetence on the part of Capital One! Record keeping that would put a first grader to shame!

During a second call today, I spoke with a "Supervisor" who was equally uncooperative as any of the people before, except may one a long time ago, I asked to speak with the supervisor of this "supervisor" who told me that there was no one I could speak with. In other words, I could not speak with her (Heather) supervisor: Brick Wall!

All I want is a resolution of the alleged investigation, which I now know is dome, maybe, by incompetents in the area of simple arithmetic and accounting. Ultimately, after I asked repeatedly for our money to be released immediately, I was hung up on.
Oh, this "supervisor" would be willing to take a complaint, which might take up to 30 days to get a response to. Unacceptable, since it has already take almost 30 days of useless "investigating" to get to nowhere.

All I want is the money to be released immediately, so that we can get on with our business at hand, and forget about this most unfortunate experience.

Can you help us to resolve this unsatisfactory, frustrating matter?

Thank you,
Menno Homburg
Annamen Enterprises LLC

[protected]@gmail.com
[protected]
[protected]

The merge with Walmart jeopardized my relationship with capital one, now I have 3 credit cards with Capital One instead of 2. The Walmart Balance is ridiculous due to the merger. Capital One will not offer any incentive, I am in the healthcare field, we are currently not working as of yet in NorthCarolina due to a virus. Does the Care Act not apply to Credit Card companies? Many people are not working, this is not our fault.

On 7/2/2021 at 9:45- 10:00a.m. I went to Capital One Bank Drive thru at 11221 Coursey Blvd Baton Rouge, LA to cash a check, I provided my check and drivers license. The teller returned the money without my license, when I inquired about my license teller said "it was in the envelope." I replied it was not. She stated it probably fell through under the tray, she would have to call a repairman and let me know when it was found. Throughout the day after making several calls to 1-800 numbers for Capital one and no one calling me back and no one answering [protected] at the Coursey branch number at 2:45p.m. I went back to the drive thru and requested a supervisor since no one was courteous or professional enough to call me back with updates. I was referred to 8009 Jefferson Hwy to supervisor "Julie" she stated she was made aware of the situation around 12:30 some 2 1/2 hours after this incident. She gave some song and dance about a contract worker having to be called out. My license could not be found most likely it was placed in another customers envelop by a teller that was not paying attention. In these days of identity theft and cyber crimes "Julie " told me to simply pay for another license and that she could not guarantee my accounts were safe. I told her I did not loose it, the very careless teller did. The bank should reimburse me for the cost of a new license. At this point how can I be sure I wont become a victim of identy theft?

7/1/21
Leanne #EID562
Senior Account Supervisor - Tampa, FL

Poor customer service. Showed no empathy nor concern and refusing to assist insinuating that there is nothing the company can do for the consumer as it is the consumers own ignorance for not calling to confirm the Capital One mobile app is accurate. The service and treatment received presented that Capital One does not care for their customers. What use does the mobile app provide to the consumer if it is not accurate and reflects balance off by $2? Is this a way for the company to profit at the expense of consumers? Payment was made in full through mobile app however after the due date I received notification via email that my account was past due by $2 thus resulting in a fee of $38. I always pay the minimum listed on the mobile app or make additional payment over that posted amount. My payment history should support this information however this representative declined to assist and stated that I should have called to verify insinuating fee was charged due to my own ignorance. This representative ignored my responses and gave inadequate suggestions such as moving my due date to earlier in the month which was irrelevant nor helpful. She only stated that an email notification was sent on 6/23 which I do not reflect this notification to alert me to call until today.
(please see attached email notification records for reference.)

I was charged a $39 annual fee (which I was unaware of during covid) I asked them to remove it they said they couldn't. While other companies are helping the their customers you are charging arbitrary fees to customers during covid.

I asked the to close my account cause I don't want to pay another fee. I finally spoke with a supervisor who said the fee would post on the 23rd if its not charged then you are fine if it is and they do not remove the charge you can close your account in 40 Days and they have to refund the $39.

I waited to the 23rd no charge. 24th No charge. I was ok they listened. Checked my APP last night and I was charged. I spoke to 2 supervisors (1 in Costa Rican and 1 in the US) both said they couldn't wave the fee.

So to make this clear:
instead of refunding the arbitrary $39 fee and keep a customer
you rather

rather refund the $39 and loose a customer

and they said yes that's policy.

That's sounds like smart business?

HORRIFFIC CUSTOMER SERVICE.

On 6/29/21 I tried to get my card replaced. After about 40 minutes of talking to 2 people, I was so frustrated that I just closed my account and paid off the card. All I wanted was overnight service to replace the card and I said I would pay extra just to get the service. However, they refused because they said they had already put in an order for 4-6 business days. I told them that they didn't even give me a chance to say I wanted overnight service before they expedited the order. They seem to feel like as long as they were just being polite, that everything would be okay. All I wanted was for someone to just listen to me rather than say, "Oh, I'm sorry we just can't do that." Fortunately, I was not on vacation when this happened or I would have really been in a precarious position. I will never get a Capital One card again and I'm going to tell my friends not to get one either.
Vincient M. Cleamons