Capital One
Reviews and Complaints

I called seeking a deferment on my auto loan. Do to my area being flooded during tropical storm Imelda. During the first call I was told that a deferment was an option I could use but was told that it would come with a large amount of interest toward the end of my loan. I decided not to take that option at the time and called back and spent nearly an hour on the phone being told that I could not get a deferment and that I had miss heard the first agent. After being escalated three times I come away from the interaction feeling that Capital One cares more about arguing semantics then taking care of a customer that has never missed or been late on a payment.

Gregora Agent sba226. I wasn't expecting the service that I received today. I'm thankful that I was not only able to speak with her agents, but had a wonderful encounter Gregroa. Who was kind, patient and took the time to understand my need. The agent I spoke with under her had ultimate customer service skills. I could really tell from talking to Gergora that she not only sets the expectations, but she also uplift them to the fullest. I really appreciate her help, kindness, and patient.

eric marshall spoke to me as a certified personal aswell as his helper brandon thomas 0n 8/19-23/2019 referring to a loan from capital one fianance dept.in the amount of 800.00 hundred dollars. there number is 330-737-3909 PS Norman charles contact me if needed [protected].. as of this 8/17/2019 im responsible to pay the funds bac too my bank. this is un fair to me look into these matters asap...

In August I had a balance of 295dollars. My account had been hacked I spent 142 dollars on account a person in las Vegas charged the remaining. I called capital one played what I owed and we resolved the issue of the remaining, they issued me a new card I called to activate my new card they closed my account. I have been a very good customer I purchased a car with them had a account with them never did I make one late payments. So I told them well I want write that but I was very upset and hope someone else sees this and doesn't use their services l sure want they lost a very good customer.

I called in about my high interest rate on a card with 6k limit. I was told by a rep that I had a promotion with a new card and will get 18 months free interest with the upgrade. To my surprise I was happy and decided to upgrade. After a few months I noticed I was still get charged interest after receiving my new card. I called customer service and they were no help. I asked for a call review and I was told a 4 to 5 day turn around after being lied to by an agent who told me that they listened to the call while I was on hold which was a lie. After not receiving a follow up on the call review as I was promised I called back and get another agent who said they are not going to review the call remind you after I was told they would and another agent lied and said she did. At this point I am furious with Capital One for the lack of Customer service and the lies that their agents tell. I have never missed a payment and I am a good customer. I want corporate to know how terrible Capital one is to their customers and I am going to have to take legal action at this point. Capital one as a business should be more professional.

So I lost possession of my wallet, and all my belongings inside of it when my motel room was broken into, while I'm working out of town. I had my bank account linked to my capital one account to pay off my card completely, to use my capital one card which I had on my Apple Pay. They put a hold on the payment for making multiple payments in the same month (never was an issue before) and refused to help me when I'm 200+ miles away from home knowing that I had little cash in my pockets and no access to any of my other major credit cards. The lady said there was 2 ways to release funds to my account. 1, was to call the bank, the bank was closed... it was 6:12 the bank closed at 6. The other way, she did not tell me how but did mention something about how I was stranded with no money or access to any credit cards besides the capital one card (only card I have on Apple Pay) that they should be able to release some IF NOT all of the credit I had pending availability. (I had payed it all off!) typically it takes 24-48hrs depending on what time of day the payment posts. Well I have to wait another WEEK before they release the credit which is supposed to happen on September 12th, today is barely the 6th. And my payment posted yesterday morning around 11am. I will never be using this credit card again, the way they treat their customers, I don't feel like they were obligated to owe me anything, but putting a hold on my payment is really screwing me over. I have less than 1/4 tank of gas. It got up to 103 degrees Fahrenheit today. I hate these people now. And I just started actually liking the damn card. Oh well. Onto my next one

Date of Incident: 9/3/2019

After being let go from my job, I tried to call Capital One to negotiate a payment plan for a credit card with approx $9k balance and ~20% apr. They would not either lower the interest rate OR allow me to enter into a fixed settlement plan.

On top of this, they charged me a late fee because they moved my billing cycle due date up! I had made my payment on time 7 days before 8/23/19, and then they expected another payment again on 9/1/19!

When asked for information on how the decision making process works, they refused to tell me. They simply said, "Sometimes there are offers there, and other times there arent." Like WTF? We are now playing a game of chance? How is this legal?

I have been with capital one since last year. Got approved for a secure card for $200.00 which was my security deposit and I only got a credit increase once. I payed my mthly payments on time every mth and I haven't got an increase as of yet for the past 8 mths. I decided to applied for an increase and they denied me talking about they dont do credit increase for a secued card. This is straight [censored]. That is unacceptable. People is making their payments on time and still cannot get an increase. You guys is the worseeeeeee... I will never support you all again

In June of 2019, my 2009 Chevrolet Impala was deemed totaled by my insurance company, Geico. I had GAP insurance on the car through PRCO insurance and they paid off the remaining balance of my loan through Capitol One Auto finance. They were overpaid by the sum of $907.88. That payment was made on July 10th 2019. I wrote them emails and now have called them three times, The last call was on August 14th 2019 asking for my refund. I was told initially that they had my old address and that my money would be sent, I explained that I was hot happy with the fact that they had kept my refund now more than 30 days and that I expected to receive my money in seven to 10 business days from August 14th, but I have not. I want the money that is due me. I will take whatever steps are necessary to ensure that I get this refund.

On July 24 we received a letter from Capital One stating they have decided to expire end of the month due dates shifting our due date to September 5th. In the letter it stated if we call we can request a new due date in which we did. The customer care rep assured us this would be effective immediately and we moved our due date to the 21st. We selected this due date based on how our paychecks come in to eliminate the eleven day extension with their automated due date falling short of our next paycheck. Two weeks go by and we receive our statement showing a due date of Sept 5th including eleven more days of charges! I called in once again and asked that they waive the interest on the balance as a courtesy to changing the date and not honoring our request of the 21st. EDWINA is HORRENDOUS! She explained absolutely not, she will not guarantee anything. I explained to her by Capital One doing this and changing the due dates last minute they're forcing many people that can not afford to pay the balance for the new additional days and charging interest! She did not want to hear it and didn't care! I feel corporations changing the due dates with a one week notice should be illegal! EDWINA should be reprimanded if not fired for her lack of professionalism she had absolutely none!

I have been Capital One since 2001, car loans and credit cards etc and never have I been through so much hassle over refunding me a $69.00 Annual fee.
I have called Capital One 4 x in last 2 months to resolve an issue with being charged an Annual Fee. I have 3 accounts with Capital one and I called about being charged a $29.00 Annual fee a few months ago on account ending 3481 . At that time the rep informed me that account had an Annual fee however, I could upgrade to Venture acct and would no longer have a fee, however, I still had to pay the $29.99 fee. At that time I agreed to the upgrade and at that time I asked her to check my other 2 Capital one accts ending 3952 and 8378, to make sure that they did not have Annual fees. She checked the other 2 accts and reported back to me that they did not have Annual fees and documented in her note. The following month or so I get my bill for Acct 8378 and I was charged $69.00 Annual fee. I immediately called and spoke o rep Tammy who informed me she read the note that the prior rep had check this acct and the other acct and that there were no Annual fees. However, the other rep was incorrect. Tammy informed me that this acct could be upgraded to a venture acct as well and I would no longer have an Annual fee and because the other rep had checked this account and reported there was not an Annual fee that I may be able to get the fee waived for $69.99 because the rep could have upgraded 8278 back then before he fee processed for the old acct. Tammy at that time expedited the request to a department to have fee waived due to the prior rep misinforming me. Today I called and spoke with a Manager Charles who had the gall to tell me I could not and they would not waive the $69.00 fee and that "I was not going to get it the way I wanted". I am requesting the $69.00 fee returned to me on acct ending in 8378 since it was Capital's one rep who misinformed me and if she would've checked the acct correctly the fee would've never processed because she could have upgraded to a Venture card before the Annual fee hit the acct in August 1st.

I am requesting a resolution to this issue with the $69.00 fee on #8378 being waived and refunded back to me.
Thank you
Susan Mare Caruso
[protected]

March of 2018 a wire came into my capital one 360 checking account. They restricted my account. Have been told various lies by their fraud investigation personnel. That he other bank has initiated a reversal. Untrue it is now August 2019 and still that money sits in MY bank account I have no access to. Capital one is a scam, liars and will heat you.

In May of 2019 I paid the he amount of $******* per my statement before the due date plus cancelled my credit card. I was under the assumption that there was a balance of 30.00. That they were to take out of my bank. Never happened. however they are now charging me $97.00in additional interest charges. No where on the statement does it say anything about a payoff amount that differs from the shown balance owing. I have called 6 times in 2 months and they will not remove the $97.00 charge and don't even care I request the $***** be removed so my account reflects a zero balance as it should. Thank you.

Hi, I am writing this review, about Captol One credit card's. I opened this credit card account on June 8, 2017. My credit score was about 700 and my limit was $500. This company is deceitful and I totally agree with the other customer reviews. When I received this card, they tell you that they will raise your credit limit after 5 good payments. That is a bald face lie, I have asked for a credit limit raise multiple times and I was denied everytime. I have the QUICK SILVER ONE credit card and I was late a couple times in 2017 and it is still showing up bad on my credit rating. It is now July 12, 2019, no late payment's and my credit from them is still messed up. I call them in 2017, after my payment's were late to explain. My situation was I could not work, for a year after my surgery. My job didn't have my paperwork in order, so I didn't get a check for month's!

I have been trying to get my title for my automobile since January of this year, and it is now August. I called in January and the representative told me that they could not mail my title to my new address because it didn't match the address on the titlle and I would have to contact the Dmv in California. I currently reside in Colorado. Then in July they contact me saying they have my title and they need my new address to send it out to me, although they put the wrong zip code so now it is going to the wrong address again! I call to speak to a supervisor and they connect me to a resolution specialist who was very rude and unapologetic for this inconvenience I have been experiencing for 6 months. Then she advises me that they will overnight me a piece of paper that I can take to California to get my title. No apologies!

I have ben with capital one for almost 20 yrs. Several years back they raised my interest rate over 10% for no cause. I had never missed a payment, been late etc. Last week I got a notice saying they were closing my account because of no activity in 3 yrs.I stopped using it and paid it off after they raised mt interest. So through no fault of my own they will close my account, which will affect my credit score adversely. I called and after a 30 min. wait a supervisor told me I could do nothing to stop this closure, but could apply for a new account. Why would I when i already have an account?So basically they said they didn't value me as a customer after 20 yrs. I'm apalled and angry that this is how a loyal and excellent customer is treated.

Between 2PM: and 5:PM MST July 17 2019 I was disputing 2 charges on my Capital One card and had spoke to 4 people. 2 were out sourced whom I asked to speak to someone in the USA they were both very nice and complied. When I had started my account with Capital One I had specified to always talked to a USA CS person it failed.The first Capital One person Tina was very helpful but we had been disconnected. I waited 10 mins for her to call me back. After that I called back got the 2nd outsourced person who gladly put me in touched with a USA CS rep after a long wait I got a CS person who ID herself as Demetrius NGO301 a Capital One supervisor . I told her my issues and during our conversation she became rude to me and she talked over me and said the reason she was talking over me was due to a delay in the phone service and I said baloney I did not believe that. After that she never did it again. I informed her that if we became disconnected to call me back she said she had my number. We did become disconnected but she never call back. Tina did call back while I was talking to Demetrius. Later on I called back and got my ?s answered by a helpful outsourced CS rep. I think Demetrius needs to remember I am the customer who pays her wages and if she is truly a supervisor she needs some help with her phone skills. Thank You Lonnie Grove 5614 CR. Card--4120 Last four SSN