Capital One
Reviews and Complaints
Capital One SUCKS
Harassed by Capital One
Capital One sent condolence letter six years too late
Capitol One unnecessary information?
Capital one is full of it
Capitol One - Deceptive Practices
Capitol One fraudulently added charges to account
Had Capitol One card, got laid off and used paymen t protection. Capitol One added over draft fees, lates fees on when there was not over the limit, was not late.
Paid account in full when returned to work on 01/04/2010. Managers had removed all fees that were fraudulently applied. Went to court on 01/23/2012 and Capitol Ones Attny had it dismissed. Judge signed the paperwork 3 weeks later as there were no costs or fees to either party.
On 03/15/12 receive bill from Capitol One with added court fees. That is blantant disregard for court order.
I will be posting all over internet copies of bills with fraudulent fees, court order and the new bill. I am going to storngly suggest that anyone who has Capiyol One for a credit card do a forensic research on their account to have all fraudulent fees removed as this is common practice for them.
Capital One: All Up In Your Wallet!
Capital One destroyed my credit!
Capital One ruined my credit right as I was buying my house. I paid my card off three months ago and checked my account the following month verifying my zero balance.
The month after that they managed to charge interest of $3.03 after showing zero balance over a whole billing cycle following the payofc. I never received a bill. My wife received a call from the loan company saying our new home was falling out of escrow because two 30 day lates showed on my credit report which absolutely tanked it. Capital One even told me it was a calculation error.
I LOST MY HOME DUE TO THEIR $3 ERROR!!! If I had received my usual bill or even a phone call for a payment being late I would be moving into my newly built home in three weeks. They said they've straightened out the issue and are re-reporting on my credit, but it slammed my credit score by 40 points. My loan officer doesn't think the correction will fully restore my score in time to close on the house.
I am so distraught right now I can't think straight. My wife and I were buying our first home and if things don't work out over the next week I will lose my house.
Capital One Credit Card Incompetent Customer Service
I HATE CAPITAL ONE
Capital one and their payment protection program
First off I would like to say to the *** that is talking down about capital one, YOU ARE WRONG! I am giving this review from the standpoint of someone who has had credit card trouble in the past, and honestly, I hate credit cards, but capital one is great!
I have had sooo many late fees with them because of MY OWN FAILURE to pay on time, and they have never once, not once, argued with me about removing the late fees, they are so awesome about that! I have also heard so many people complain about the payment protection, and how it costs $29.00 a month. Obviously you are getting other charges, because payment protection is 1% of the total cost of the bill. So $100 bill = $1 a month.
Anyway, last year I lost my job, and payment protection payed $30 a month for a year!! They paid out so much more then I paid in, and today I called payment protection because I couldn't make my card payment this month and they made my payment for me. Not only that, but the gentleman on the line told me that each of my cards could receive a once a year emergency payment, so to make sure that I spend some money on my other card so I could use the emergency payment, lol. Can you believe that, they told me to spend money on my other card so they could make the payment for me!
All I can say is WOW. Capital one is great. I asked the young man on the line why people complain, and he said most people wait like 2 years before they try to activate. I was thinking about activating again for the second time because I am still out of work, and I asked him if I had to be actually employed by a company, or if it would work if my income stopped, he said "all we are concerned about is that you had income and now you dont.
I actually declined the service for right now because they made an emergency payment for this month, but he actually wanted to set it up to pay my bills for me. WOW again. Anyone who says capital one is no good is probably no good themselves, they have always been so great to me. My only complaint, if I have to put one is the fact that most of the time there is an indian on the other line at capital one that I have a hard time understanding, but one way or another, indian or not, they still always take care of me.
They are always like, it was my pleasure to remove your late fee. Thanks capital one!!
Double Booked my credit card for same flight
Capital One & I
Lied about payment arrangements
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CrapitalOne sucks! Poor customer service, slow and incompetent.
I had an issue with a scam/merchant and CRAP1 sided with the merchant and I wasted hours of time on the phone (dealing with numerous turds/employees) and lost >$500. Hopefully both companies will be out of business in the near future.
Same thing here. I had a scam charge in April 27th, it is now July 30 and it still hasn't been resolved and they treated me as though I was the criminal.
Sorry to hear you had a *** ordeal with Capital One. I am going through something VERY similar to you and just filed a compliant with the Better Business Bureau as well.
Glad you were able to finally get it resolved but sorry it took so long.
Sadly, I can totally relate to what you are going through. :cry
I have been a customer of Capital One's for three years now. I have three bank accounts with them, two credit cards and a savings account.
As of two weeks ago, they locked me out of my credit cards, but can't tell me why. As of today, they have locked me out of my bank accounts and can't tell me why.
They keep sending me to technical support and these idiots don't have a clue. I am closing all of my accounts with Capital One and I would not advise anyone to use them in the future.
For their Spark Business Card I had a 0% offer for 12 months that was coming due. Payoff or go to high interest rate.
Just at that time I got a new offer and paid a $50 fee for another balance transfer for 0% for 12 months. When the first one came due, I made a $2000 payment. They applied it to the one I had just taken out.
Now my first offer is at the interest rate for purchases and I have to pay interest on it every month. It is easy to see what was intended by me and what should have been done but they are unethical and won't do it!
The representative is very rude to the customer, and her accent is very hard to understand (Completely Indian accent). The line is so noisy like the free market.
I asked her about the survey about the service after her rudeness, she suddenly said to me nicely. She might be scared me to yelp her on the survey I guess!!! Horrible experience. Capital One Pls do something about your customer service, Otherwise you will lose so many customers.
Most of my friends got the same terrible service. We are so disappointed !!!