Capital One
Reviews and Complaints

Things have been a mess since I refinanced with Capital One Auto Finance.

The first problem was when I received a phone call from them when I first sent my application.They advised me that I needed to send them a copy of my car title to complete the loan. I explained that my current loaner had the loan. The gentleman informed me that they did not have it and in MD the buyer holds the title.

So, trying to keep things on track I went to the time and expense to obtain a copy of the title.I get a friend to fax it to them upon their insistence. A week or so later I get a call questioning when I was going to send them the title that I had faxed(with a confirmation that it was received).I them mail a copy.Everything was on track.It was a little upsetting when soon as my other car loan was paid I received the title from the loaner that didn't have it.Despite the annoyance I thought everything was now fine.

Several months later out of the blue I received notification that they had never received another piece of documentation that was in my loan packet. In the letter was a threat that if my limited power of attorney document wasn't received my loan would go into default(mind you my loan is paid a few months ahead- and ALL of my paper work was signed and turned in). I wrote back to them(contacting on the phone is impossible)to explain that the document was signed and notarized and returned with my application as instructed.If they would like me to send in another they will need to send me a copy of the document. In this message I also made a complaint as it wasn't the first lost item on their behalf in the short life of the loan. The response to my complaint and request was simply to notify me that they were a third party handling this for Capital One. Then I really got angry. No wonder they can't keep anything straight.I then made my complaint to Capital One (by email once more because the only way you talk to them is if they call you). I never got a response to my complaint or my request for another doc to sign.

Two months later I received a letter to inform that my loan(still a few months ahead in payments) was in foreclosure. The letter also included the document that I requested to take care of the matter 3x and 2mos ago, and a name, phone number, and email for a direct rep handling the account. I called twice and go not call back.I emailed and got no reply. I mailed the new signed doc in but I am so disgusted with Capital One.

Now, I wonder with the type of business they run what will they do with the limited power of attorney that they have been granted?

I am 40 dollars late on my car payment, which I've been paying ontime for a few years now. There was a mix up and I thought my payment was 210 but I had been paying 230. So for two months I paid 210. They called and I said I would send the 40 in with my next payment which is due 3/20. The are calling me from all different numbers at 8 in the morning and 8 at night, even on Sunday. They call around 5-6 times a day. It is ridiculous. I will never get a loan with them again.

I have a prepaid mastercard from Capital One that I utlize for direct deposit of paychecks and other items such as tax refunds. Unable to access account i contacted customer service at which time I was told my account had been locked pending identification verification. I was told I needed to fax a copy of my drivers license and social security card and my acoount would be unlocked within 72 hours. When I asked about my direct deposits were rejected and sent back to their point of origin. Now I am going to have to wait approximately a week for my employer to re-issue a check. In addition whenI contacted the IRS regarding my tax refund I was told due to the fact that the deposited was rejected I would be recieving my tax by mail in 4-6 weeks. All I get from Capital One is "I'm Sorry"

After paying off my balance in full prior to the due date and then paying additionally, aslo prior to tthe due date, when i noticed recent charges that were not included on that month's bill, i received my next bill with an interest charge of $101.00. I called Capital One and spoke to foreign rep whom i could not fully understand and was then given to an English speaking rep who claimed it was Capital One's policy to charge interest until the bill has been paid in full for 2 consecutive months. I then spoke to another foreign rep who tried to explain that it was interest compounded daily but he could not tell me how or why the number was $101.00 or what number it was based off of. I then spoke to an account rep and got no further satifaction or reasonable explanation of how i own interest when i have no balance. I have paid the $101.00 and will be closing the account after being a good standing customer for many years and paying a 17.9% interest rate. Capital One's practices seem unethical to the consumer.

Does Orchard bank or the scammers that are sending me credit card applications to my JUNK MAIL really think I am stupid enough to give my personal information to them? NOT! I have repeatedly asked to have my name removed from their mailing list and they continue to send me phony applications. I am emailing everyone I know about this scam. I advise anyone who has an account with this bank to switch to a bank they can trust. I am going to report this scam to anyone who will listen to me about these emails, such a poor way of doing business.

BUYER BEWARE! When you go to a dealership and are financed through Capitol One Auto Finance REFUSE. They are the worst finance company my husband I have ever dealt with. If you are ONE day late they will start calling numerous times a day and leave very threatening messages. They will in no way work with you if you are behind on payments and are very deceiving about their finance charges. We have been making payments on a vehicle for (2) years and our principle balance is more than the day we took out the loan. Their customer service is HORRIBLE and you will never talk to the same person and more than likely if you call them you are actually talking to people in India.

When I switched phone numbers, the person who had my number before me apparently owed Capital One a lot of money and failed to switch his phone number through Capital One. I really can't blame Capital One for calling. I can, however, blame them for calling repeatedly and at all hours.

The first time they called that I was able to answer my phone, they asked for Kyle. I told them that the number they had was no longer his number. They called again, and I told them the same thing. They called AGAIN, and I told them the same thing. They called YET AGAIN and I got snippy and told them that it was about time they changed their number on file for this guy. The caller responded by getting snippy with me and telling me that that was why he was calling. He lied... I received four or five more calls, to which I responded with increasingly loud and angry retorts. Each time the caller told me (snottily) that they were removing my number from the list.

Finally, I called Capital One customer service and told them to STOP THE CALLS immediately, that I wasn't Kyle and had no idea who Kyle was. They apologized and, supposedly, removed me from their list. Then I got more calls. I finally had to have each of the (different) numbers they had called from blocked by AT&T. The calls have finally stopped, but Kyle either gave out his number to numerous credit companies and tool manufacturers or Capital One sold my number to them.

I went on-line to pay my Orchard Bank Credit card bill on 12/31/09. The payment is due on Jan 3rd. When doing so, I got a "pop-up" message that stated that the soonest my payment would be applied would be Jan 4th ! How can that be when I paid it online on 12/31? So I was informed that I would need to make an Express Payment that incurred an additional fee of $12.95 or I would be assessed "late charges" of $30.00 This credit card company is absolutely the WORST ! I am complaining to the Better Business Bureau and every other agency I can think of. STAY AWAY FROM ORCHARD BANK !

I am getting tired of Capital One playing their stupid little game called Monopoly and also the game called Life. I cannot get ahead with paying off my credit card payments and keep me in debt. I think the credit card company being outsourced to foreigners make it hard times for America. I cannot keep up with their unknown finance charges and put over limit fees right in front of them without my knowledge. I hope things will improve with this company cause I getting tired of playing games with them, its like playing the lottery and I am not winning anything. I need this extra money to keep the food in the fridge and to take care my own needs. But with Capital One they are just being nothing but a very sneaky bank. of India. Capital One, Thanks for ringing in the New Year with a high finance charge and over limit fee. Greed!

I opened a business this year and registered with my state agencies, of course ALL of the banks and other guys looking to get me to give them MY business are sending me all kinds of postal mail - SO MUCH JUNK MAIL that i decided to do something about it.

I called Capitol One and told the operator who answered to take me off the list - she wanted to play a game and just gave me the runaround NEVER ONCE did she acknowledge when I told her that it was my right to be able to call and request removal. they are still sending me junk mail.

Now, even if I ever do need a business bank/credit card you can rest assured I will NOT be doing business with Capital One! Not now, not ever!

In fact, i'd rather PAY higher fees at another bank JUST TO PROVE my point.

Capital One YOU GUYS SUCK!

I checked my account balance on December 14th at 2pm. It said I had a little over $3 in the account. Later that day I deposited a check in the ATM for $54 and some odd change. The ATM gave me a slip of paper that stated both my current and available balance was $57. I knew a check was coming out of the account in a day or so for $20 so I went to the store and spent $30 on dinner, knowing that would leave $7 in my account until Thursday when my boyfriends direct deposit went in. On Wednesday I checked my account and saw that I was negative $6.55. At midnight Capital One removed the $54 credit from my account and tried to push the $20 check through. I received an NSF charge of $35 on Monday. My deposit was credited to my account on Tuesday, but there was not enough for the $30 I spent on dinner to go through so I received another NSF charge. I spoke to a customer service woman who told me I just needed to bring in my ATM slip to a local branch showing my current and available balance were the same on the 14th and the NSF charges would be removed. I did and the man I spoke with at the branch said the woman responsible for dealing with these kind of situations would not be in until the next morning. He gave me her number and I called the next morning. She told me that even though I made the deposit at her branch, I had to speak with the branch in Frisco, TX to get the NSF charges removed. She said she would call them and then call me back. She called back 2 hours later and said "The Frisco branch is not refunding NSF charges today." My boyfriend called the branch in Frisco and they told him that we should not trust the balances in our accounts that show up on their website, the one that shows up on the ATM or what they tell us is current at the bank and that it was not their fault that we did not have enough money in the account to cover the check.

About a year ago (late 2007), Capital One offered an incredible 0.00% interest rate (with 3% transfer fee) until January 2010. This was unheard of. And Capital One is Capital One -- a supposedly reputable company (based on their ads on TV, I guess).

This past month in November, I paid off the entire balance ($20, 000) -- 2 months before the deadline. Guess what. The December statement shows that there is $150 of finance charge!

I phoned the 1-800 number, and the customer representatives are in Costa Rica and India, all speaking with an unusal accent, with really bad (satellite) connections. (There wasn't even "Your call will be monitored for training purposes" recording.) I had to phone four times and repeated the same story.

Guess what? One annoyed customer respresentative said that the promotional rate was good only through 11/09, the last month. When I told her that I have a document that shows the rate was good through 01/10, she said she would transfer me to an account specialist.

The transfer to an account specialist never happened because the connection got disconnected.

I tried again twice more with the same scenario of the transfer being disconnected (supposedly) because of bad connections!

What a bad business practice!

What contempt they have for common people!

I have been a Capital One card holder for many years and usually pay my balance in full every month. I had a $3, 000 balance remaining on a home equity line of credit through another company that was expiring. Rather than pull the money out of savings I decided to take advantage of the promotion to transfer the balance at an APR of 1.99% for the first six months knowing that I could pay it off within that time period.

I paid my purchases in full on the next statement plus $300 toward the Special Transaction. When my next bill came the Finance Charges were itemized showing the 1.99% for the Special Transaction and 10.90% applied to the balance. When questioned, the Cap One representative stated that my payments would be allocated to the lowest rate first leaving me to pay a Finance Charge on purchases that I thought I had paid in full! Supposedly this is explained in the fine print at the end of my statement but I can't find it and I did ask about this specifically before I made the transfer. I feel that if the finance charges can be allocated on the statement then the payment should be as well otherwise the consumer is not being charged the 1.99% but rather a MUCH higher aggregate rate. This is just plain false advertising.

Like most other credit card holders my interest was increased; actually it was nearly tripled. Now Capital One refuses to authorize payment about every six transactions with no notification or explanation other than "potential fraud".
I have never had an instance of credit card fraud with Capital One, never been late or missed a payment. I've had a few disputed charges; all wound up in my favor. With a credit limit over $15, 000, I have paid thousands of dollars in interest over the twenty years or so I've had this card.
Where does Capital One find reason to subject me to the inconvenience and embarrassment of having my credit card denied out of all this? And they got taxpayer money; including mine, to help them finance this scam?
This country is going down in a big way. The government, arm in arm with these financial institutions is destroying America. Forget Al Qaeda; it's Congress we need to worry about.

I got a letter from Citibank about going up on my interest and they were closing my MC account after it is paid out (I have perfect credit with them). I decided to get a Capital One card and close the MC account. I decided to transfer my MC balance to Capital One at a lower interest rate. After making that mistake and realizing after reading how horrible Capital One is to do business with, I decided I would not activate the card when I got it. Get this: They transferred the balance from my MC account BEFORE I even got the card or activated it PLUS they transferred a larger amount than was even owed on the MC account. I am one angry gal.

Capital One Mastercard - Capital One Pre-paid MasterCard is a BIG scam. The whole premise it that they have incorporated new "security measures" to "protect me" from fraud. All their "security measures" are is a way to use customers' hard earned money interest free for 30-60 days while customers wait and wait and wait for the card to arrive. By running this delay tactic scam they can have millions in a floating reserve at all time that they are collectively earning big bucks on.

I got the card to buy my plane ticket home for Christmas, but with this effing rip off scam by Capital One, my card won't even arrive till AFTER Christmas. So in the past month I am suffering with the inconvenience of having no card, meaning I missed out on all the reasonably proceed airline tickets for Christmas, so that will cost me a few hundred more and Capital One has made money off the fact. So they probably made $7 so far and cost me hundreds and a lot of frustrations. Corporate Effing Crooks! Avoid these crooks like the plague.

Here's the timeline of my ongoing "quick and easy approval":

I "applied" for the card 2 months ago. I received an "approval" 3 weeks later. (Like you need an approval since it's pre-paid). I was told my card would arrive within 10 business days of receiving a money order for what ever amount I'd like to prepay on the card. I sent in a money order for $500. 2 weeks later I call in since its been 10 days. So friggin' ### gives me the "Congratulations you've been approved" schpeal for idiots again. I sent them $500 and they are kind enough to say I can actually spend it. What a bunch of condescending dicks! The duffus tells me the card will be arriving any day. 1 week later a letter arrives, but instead of a credit card so I can buy my plane ticket, it get a crap load of paper with convoluted instructions about going to the post office to present ID and have the post office mail copies of it cak to Capital One by registered mail. Then Capital One Mastercard is supposed to review it and get around to sending out my actual card eventually. OK. B-effing-S on this. If they would just mail the card to the postal outlet in the first place and have me flash ID there, I could be picking up the card instead of playing stall tactics with my pre-paid money.

Please see this review on Yelp (search for Capital One in McLean, VA) and contribute there!

Capital One uses some shady tactics. I've noticed an uptick in complaints on consumer advocacy sites. I don't know the law but, at best, they're skirting that line. Even if what they're doing is not illegal, it is at least immoral and annoying to customers. While I will look into class actions for patterns that emerge here, we still have a recourse as customers to simply walk with our feet and to get as many people as possible not to become a customer.

Remember that "No Hassle" card with "fixed" rates they teased in front of you when times were good? Well, it should've been branded the "Capital One No Hassle (when it's convenient for us) and Full Hassle (when we need to) Card."

Apparently, they just have to send a tri-folded piece of cheap paper self-mailer (all the more easy to ignore) that says, "We're upping your rate and if you don't like it, decline it and you can pay off your balance under your old terms." What they bank on is that it gets lost in the shuffle and you neglect to decline the new terms. Oh yeah - you have to do it in WRITING. With a STAMP and the POST OFFICE. Why? That's to make it as hard as possible. That's the same reason most rebates have to be mailed in. Legal? Probably. Should we ever trust a "fixed" rate again? Never. They can, at will, send a letter and change the terms of the agreement. Of course people don't think of that when they sign up for a new credit card.

Remember those 0% fixed for the life of the balance teasers? For one of my accounts, I caught the "we're changing your interest rate" letter and sent one back saying, "No thanks - I'm just going to pay off my balance under the original terms." Guess what they do? They double, triple the minimum payment. Pretty slick, right? Again, probably legal, but definitely immoral. 0% interest, but they can make you pay it back really fast.

Back to the "we're changing your interest rate" letter that I didn't catch. Well, I didn't catch it because it was an account I never used. But since the credit crunch started, I dug it up again because it was a "low, fixed" rate and started using it. For months, my empty statements still said 6.9% on it. Once I started using it, my rate hit 16%. And I only know that *after* I get my bill, *after* I've made the decision to use the card under the assumption that I'm paying just 6.9%. Again, legal? Maybe. Immoral, yes.

Yep, there's more. I was late by one day on several consecutive payments. Why? Not because I'm irresponsible - I put the due date in my Google Calendar and set a reminder that texts and emails me. What they do is they change the due date randomly each month in hopes that you miss a few and they can rack up the late fees. Nope, it's not "every 9th of the month but if it's a weekend, it's Monday or Friday adjacent to it." It's not every 4 weeks. It's not anything like that. They even admitted as much when I called to ask what the logic was. So, instead of the very easy thing to program, "Albie L has to pay every 9th of the month, " they go out of their way to program into the system, "Albie L has to pay every (9+random number)th of the month" JUST to ***.

I understand that times are tough. And maybe Capital One is just fighting for survival. Fine. But they made the choice to screw their customers and I hope that we've got long enough memories to stay away when times get good again. i.e., don't become a Capital One customer once the dust clears and they start offering low rates, etc. You WILL be screwed if and when the *** hits the fan.

Stick with a small, local credit union. Even though my interest rate at Affinity Federal Credit Union was 9.9% during good times, it's *still* 9.9% today. No teasing. No changing rates. No changing due dates. Just good, honest, business.