Capital One
Reviews and Complaints

Capital one Bank is the only bank I know of that does not post cash on the spot. I have another bank account with my credit union and when I deposit cash at the credit union it is available right away...and any pending charges will be covered if I make a cash deposit to cover them if I make a mistake in my account.

Well not Capital one! I had 7 dollars in purchases on a Sunday and I put a deposit of 20 bucks in on monday to make sure I had enough in the account. well I check it Tuesday and I had a bal. of $ 22.17.

Then Wednesday gets here and I have two NSF charges for $35 a piece because they put the pending charges totaling $4.00 in first....then the $20 cash. I was so furious. I called the bank right away and they said someone will call me the next morning. I waited till 9;30 am and I called them Thursday.

The lady WAS RUDE! She said that the charges went through on Monday which was a lie....because our deposit was put in Mon. afternoon and I was still in the positive on Tuesday! The date next to the transactions was for Monday when I checked online so it made it look like my fault.

I finally got her to *** two NSF fees but then the other purchase for $2.14 went through and bounched before I talked to her so she said sense I waited till thurs. she could only *** 2 of them. The way they print their stuff online is so screwy! Also they do not credit payroll checks till the next business day at midnight.

i put in my payroll on a Fri. and it wasnt available till Tues. Morning. I never heard of such a thing in my life.

My credit union posts payroll checks right away with no wait. I will never recommend capital one to anyone!

Capital one Bank is the only bank I know of that does not post cash on the spot. I have another bank account with my credit union and when I deposit cash at the credit union it is available right away...and any pending charges will be covered if I make a cash deposit to cover them if I make a mistake in my account.

Well not Capital one! I had 7 dollars in purchases on a Sunday and I put a deposit of 20 bucks in on monday to make sure I had enough in the account. well I check it Tuesday and I had a bal. of $ 22.17.

Then Wednesday gets here and I have two NSF charges for $35 a piece because they put the pending charges totaling $4.00 in first....then the $20 cash. I was so furious. I called the bank right away and they said someone will call me the next morning. I waited till 9;30 am and I called them Thursday.

The lady WAS RUDE! She said that the charges went through on Monday which was a lie....because our deposit was put in Mon. afternoon and I was still in the positive on Tuesday! The date next to the transactions was for Monday when I checked online so it made it look like my fault.

I finally got her to *** two NSF fees but then the other purchase for $2.14 went through and bounched before I talked to her so she said sense I waited till thurs. she could only *** 2 of them. The way they print their stuff online is so screwy! Also they do not credit payroll checks till the next business day at midnight.

i put in my payroll on a Fri. and it wasnt available till Tues. Morning. I never heard of such a thing in my life.

My credit union posts payroll checks right away with no wait. I will never recommend capital one to anyone!

Capital one Bank is the only bank I know of that does not post cash on the spot. I have another bank account with my credit union and when I deposit cash at the credit union it is available right away...and any pending charges will be covered if I make a cash deposit to cover them if I make a mistake in my account.

Well not Capital one! I had 7 dollars in purchases on a Sunday and I put a deposit of 20 bucks in on monday to make sure I had enough in the account. well I check it Tuesday and I had a bal. of $ 22.17.

Then Wednesday gets here and I have two NSF charges for $35 a piece because they put the pending charges totaling $4.00 in first....then the $20 cash. I was so furious. I called the bank right away and they said someone will call me the next morning. I waited till 9;30 am and I called them Thursday.

The lady WAS RUDE! She said that the charges went through on Monday which was a lie....because our deposit was put in Mon. afternoon and I was still in the positive on Tuesday! The date next to the transactions was for Monday when I checked online so it made it look like my fault.

I finally got her to *** two NSF fees but then the other purchase for $2.14 went through and bounched before I talked to her so she said sense I waited till thurs. she could only *** 2 of them. The way they print their stuff online is so screwy! Also they do not credit payroll checks till the next business day at midnight.

i put in my payroll on a Fri. and it wasnt available till Tues. Morning. I never heard of such a thing in my life.

My credit union posts payroll checks right away with no wait. I will never recommend capital one to anyone!

Capital one Bank is the only bank I know of that does not post cash on the spot. I have another bank account with my credit union and when I deposit cash at the credit union it is available right away...and any pending charges will be covered if I make a cash deposit to cover them if I make a mistake in my account.

Well not Capital one! I had 7 dollars in purchases on a Sunday and I put a deposit of 20 bucks in on monday to make sure I had enough in the account. well I check it Tuesday and I had a bal. of $ 22.17.

Then Wednesday gets here and I have two NSF charges for $35 a piece because they put the pending charges totaling $4.00 in first....then the $20 cash. I was so furious. I called the bank right away and they said someone will call me the next morning. I waited till 9;30 am and I called them Thursday.

The lady WAS RUDE! She said that the charges went through on Monday which was a lie....because our deposit was put in Mon. afternoon and I was still in the positive on Tuesday! The date next to the transactions was for Monday when I checked online so it made it look like my fault.

I finally got her to *** two NSF fees but then the other purchase for $2.14 went through and bounched before I talked to her so she said sense I waited till thurs. she could only *** 2 of them. The way they print their stuff online is so screwy! Also they do not credit payroll checks till the next business day at midnight.

i put in my payroll on a Fri. and it wasnt available till Tues. Morning. I never heard of such a thing in my life.

My credit union posts payroll checks right away with no wait. I will never recomment capital one to anyone!

does anyone know how to get capital rewards # 866-875-**** blocked from your phone?

They have been calling me once everyday. I used to ask them everytime to remove me from their calling list, but they would hangup before I could finish the sentence.

So now I just answer the phone and yell expletives at them.

They wont go away. So would you please join me in making the people that work for this vial company feel as bad as possible so that they will quit and the endless cycle will stop!

I finally got ahold of them. They said the Collection people weren't authorized to contact me, especially since I wasn't overdue on more than one payment.

My lawyer is going to file a suit against Capital One and Allied International (collection people).

I understand how credit cards work, thanks.

This was a mistake on my part, which I rectified as soon as I realized my error. I am sick of people blaming terrible customer service on 'policy' and 'the way they do it'.

Dude, I feel for you. However, the Banks that offered credit cards (called revolving debtors), have been impacted by others borrowing from the Banks (namely, mortgage customers who have lost their homes due to the economy). In fact, the smaller Banks borrow from the LARGER Banks, and this compounds the disaster we are now seeing (Larger Banks finance multi-million dollar homes, think about recent Entertainers who have lost their multi-million dollar mansions on the West Coast). The ultimate bank is the Bank of the United States of America, which is essentially you and your neighbors... Tax Payers!

Today, most Banks are stringent on their delinquent accounts. You didn't speak with a real person when you got this call, so that's a good sign. If you don’t have a live person calling you immediately, then you have decent credit – or at least no Collections history with this creditor. If you don't pay quickly, you'll likely get a live person asking for you then playing a recorded message. As you approach your next due date, without payment, you may receive LIVE collection calls from people asking for you, asking you to verify your address, then asking you to pay your bill. You see, credit cards are called Revolving Debts and don't Directly impact your Credit Report (with hard negative marks against your credit report) until you have missed 2 payment Due Dates (called 3-Due at Billing). Loans or Mortgages do not provide this cushion, as they are SECURED Creditors, and they will report you as late to the Credit Bureau when you are late on one payment (called 2-Due) and may pursue Car Repo at 3-Due, and/or Foreclosure at the same. This is why you are advised to contact these Secured creditors after you miss 1 payment, and BEFORE you miss the 2nd payment, to avoid negative consequences.

If you don't mind calls at home, but not at work. Just politely ask them to call you at home because you are not allowed Personal Business calls at work, emergencies only (they don't need to know if you can talk casually with family by phone at work, when appropriate).

Good Luck :-)

My rate went up to 17.9% and I have NEVER had a late payment on ANY account. They are a bunch of greedy SOB's and I hope they rot in ***!

we closed an account only to have a ss check reopen it and then a stop payment was made from this closed account now we are in the red in the closed account,

I just called Capital One today (9/04/09)to ask about my recent payments . I felt like I was in an Abbott & Costello movie.

Remember "Who's on First?". I was told I made a payment on 8/9/09 to cover Sept. payment. Then he told me I paid the same amount again on 8/28/09 for the same month.

When I questioned him about the 8/9 payment he wanted to know who told me I made a payment on 8/9. When I told him YOU DID--A MINUTE AGO.

HE WENT IN TO REPEAT ROUTINE. I spoke with his supervisor and told her to send him home until he sobers up or quits smoking those funny cigarettes.

They did me the same way.....lol. What did they say when you didn't verify your information

My credit card agreement protects me from liability for fraudulent transactions, so when Capital One arbitrarily decides that I shouldn't have bought something I'm not grateful, but annoyed.

Gosh...read all of these.

Icouldn't even travel in my own state and use the card for gas and food, and then I was shut down with fraud alert

Capital One needs to be investigated for internal identity theft. Got card...didn't have it but for a week. Fraud alert put on it for no reason. Called them.They wanted driver's license copy, utili. bill, and the kicker, paystub/1099/income tax form all this to prove it was me. I told them to shove it when they would not accept just a utility bill and driver's license copy.

It all began with travel plans for a trip to Australia. In discovering that my bank, Wells Fargo, charges "foreign transaction fees" in the use of their card abroad, I did some internet searching and discovered that "Capital One" was recommended for a travel credit card because they don't charge "foreign transaction fees" for purchases abroad. Being an individual against credit cards, I went against my better judgement and applied for a Capital One Card. Since I don't already have a credit card, they approved me on January 17th, 2011 for a "secured Master Card" requiring a $200 deposit. I went ahead and transferred from my bank $250 so that I would have that amount to use for foreign transactions. Not hearing from Capital One for a month and a half, I became concerned. Finally I get a letter from Capital One to my home address stating that they put a temporary hold on my Capital One Account to make sure no one is using my Capital one credit card without permission. However, Capital One had not yet sent me a card. I received phone calls from their “fraud” department requiring me to submit a utility bill to prove who I am. Since I'm about to embark upon a journey abroad, I was renting a room from a friend pre-travel. Since I did not have a utility bill, as it was all inclusive in my rent. The agent then said I had to send my bank statement or my W2 forms. Invasive? Certainly. That they needed my Bank Account Statement or W2 form was none of Capital One’s business. If they were giving me a loan that might be different, but a secured card is me giving them money to loan back to me. I thought this was ridiculous. I told the agent this, he agreed, but claimed it was their policy.

He then claimed I could circumvent this by driving to any bank, preferably where my bank is, and have them do a visual identity check. I had to leave early from work to do this before the bank closed. Wells Fargo said they would not do that for other banks. I called back the agent who then said if I faxed my drivers license, passport, and/or social security card, it would remove the hold and Capital One would send me the card. I drove an additional 10 miles to a fax outlet, paid them $3 to fax Capital One a copy of my passport, drivers license, and social security card. The next day, Capital One stated these documents were received, but were not worthy of identity proof. Really? A US Passport? Drivers license? Social security card? They then stated they required a bank statement or W2 form. I stated I only wanted this account because Capital One doesn’t charge foreign transaction fees, and I would be leaving soon for a trip to Australia. He said he found a “Chase bank” at 3306 Centennial Blvd in Colorado Springs who was willing to do a visual ID check. He even had a representative named “Krista” who said she would do it. So ONCE AGAIN, I leave work early, to drive 10 miles to this said bank, to make sure I arrive before the bank closes. The representative at Chase wasn’t informed that I did not have a bank account with Chase. Just like with Wells Fargo, they will not do a visual identity verification for another bank unless I was one of their clients. Again, Capital One had cost me “time away from work”, “expenses in gas and time driving, wear/tear on my vehicle, for useless trips. As this was the third trip they had caused me to drive when gas prices are at a stunning $3.30-3.50/gallon now? As my current rate of pay at the time was $26 an hour anyone could do the math to see that Capital One has already cost me more time than this card was worth.

Figuring if this is representative of the hassle that Capital One is going to give me in using their card, I don’t want the service. I told them to send me back my money. The representative said he didn’t know how and couldn’t. Really? Capital One representatives are not informed on how to do reversals? Send me back my money to the account it came from? If me, an average Joe can do it with credit card transactions I accept from clients through Quickbooks, I guarantee their agents could do it immediately. The agent suggested I dispute the charge with my bank to get my money back. I did this, and Capital One refused to release the funds as it is a valid authorized deduction. A couple of days later I receive the card stating I now owe “$29.00” for a membership fee. Really? Capital One charging me a membership fee for a service I cannot use? I call Capital One and they still state I cannot use the account or get a refund without sending my Bank Statement. I fax them my statement. It takes them 3 days to get back to me. I called their “Fraud” department. The Agent said they had received my bank statement, but my representative had to call me back to verify the account. On March 16th, I Faxed a letter to their office and mailed copies requesting full refund of money. I finally get in touch with them and on 3/17/11 I speak to their agent Shyr. She asks personal info again from me. She had the nerve to ask for my pin number for my debit card with Wells Fargo. Excuse me? She claims they cannot verify my bank information with Wells Fargo. She put me on hold for 20 minutes. Finally Capital One gets “Olivia” from Wells Fargo on the line. They warn me that the 3rd party on line exchanging sensitive information, I accepted for certain private information. Upon mentioning the claim # I did with Wells Fargo, Olivia ouldn’t pull up on her display, and then connected us 3-party with Chris at Wells Fargo claims. He notated the conversation and updated my claim. He was witness to “Shyr” stating they would return the money that day. I was put on hold for another 15 minutes while “Shyr” transferred me to “Kyle” of Capital One’s Retention / Account Closure department. He was very apologetic with my Capital One experience and said he submitted the transaction to refund my money. He stated it would take 5-7 business days to appear in my account. No refund was received by 3/28/11. So I contacted Capital One inquiring where is my money on 3/29/11. Agent "Joseph" said the previous Capital One representative should not have said 5 business days, For Joseph said it will take 2 billing cycles to return money. I told him this was not acceptable. Capital One had my money for over 45 days with no services delivered but hassle and waste of my time. I need my money back. I Told them I’m going to file complaints with state attorney office, Better Business Bureau, The Department of finance, etc. He promised that my funds would be returned electronically Friday at the latest on Monday that the account representatives are refunding my money now. On May 31st, I received a Refund check in the mail for $250. Relieved I Deposited it. I then receive on April 5th notice from my bank that Capital One put a stop payment on the refund check and now Capital One was charging me a return item fee. On 4/7/11 I called Capital One to find what was up. I spoke to Supervisor Lor and explained the situation – she said she doesn’t see a stop payment request so was investigating the matter. Nothing showing up in her computer. She took my direct deposit information and said she would get it straightened up but no action resulted by 4/21/11. Capital One has now stolen my money and has held it hostage for over three months and have not delivered product, services, only hassles and headaches. To all fellow travellers and individuals thinking about using Capital One - Avoid them at all costs. They are thieves. This article will be updated if and when action is taken to repair the damages done by Capital One - or if the fact that their action of holding my money hostage leaves me stranded while travelling abroad. I see a lawsuit in the making.

Thomas M. Baurley

my brother is going thru a divorce. his soon to be exwife continues to get a new card on this credit card that he new nothing about til sep 09.

he called them and fxed notice to close this account that he never agreed to and paid it off. he just discover that a new card was issued on this account.

he will be calling again and filing a police report. what more should he do??????

hey i worked for the fraud dept (located in CR not the phillipines...)What to do???? Call them in advance to let them know you`re gonna use the card out of your state or the US and that is it...

card won´t get declined... or so they say...

IHave you informed the company of your travel dates and location? This would lessen the instance of transactions being flagged.

We must be thankful enough that they monitor unusual transaction. (unusual amount of transactions or area where card was used.

They charged me a bunch of fees - and they had their dates wrong. I bought capitalonesteals.com once - called them - told them I was going to put it up on the internet and explain - with scanned copies of evidence - how they were stealing from me - and probably thousands of others - and put it EVERYWHERE I could.

They refunded ALL my fees 30 days later - then I cancelled the fricking card

They raised my interest rate for no reason. I hope those sob's get screwed right to the ground.

All business that treat customers so poorly SHOULD GO BANKRUPT. GOOD RIDDENS

They are now looking for happy customer to join their community. They wanted me to take a survey and when I did they said do to my responses I did not qualify to be on the community. The only happy customers they will find at the moment won't have a balance.

If you are on Facebook...join the group "Boycott Capital One." Unfortunately there is more than one of these groups so join the one that is the largest.

Good...I hope they DO go bankrupt! I am sick of these big corporations screwing their loyal, long time customers! From now on it is small local banks and credit unions for me.

This is an update on my previous post. I've found a way for them to get the message. Call them and set up payment arrangements, and then tell them that you don't like the way they treat their customers. All the conversations they have with customers are recorded, and if enough people do this, maybe they will get the message. It's better than getting sued. Someone at Capital One must be listening to these recordings, and maybe the right person will hear them and get the message.

Thanks,

Moondog1994

:( I deal with Capital One in 2 different ways. I have a credit card, or should I say HAD a credit card with them, and I have a car loan.

My car loan is current, fine, and have no issues except when Im told that I am elligible for an extension every 6 months but get the run around each time I need a little extra time. My credit card however is another story. I closed this account in 2006! I did it over the phone and was done.

Well learn from my mistake. Apparently the great *** I was working with didn't completely close it out because I was still receiving interest charges for the past 2 years! It was a $300 credit card that was paid off and closed and is now a $1,000 credit card that has completely jacked my credit all to you know where and has the meanest debt collectors calling my phone constantly! I ignored them because I thought they were telemarketers and AR has a real issue with telemarketers calling your cell phones.

Anyway, moral of the story, get a dang confirmation when closing a card.

As for the collection agency, he is a total ***. His name is John Balmer and if I ever meet this man face to face, with his military acting, wanna be hard ***, I swear I will sue him for harrassment and shut his business DOWN!

What you say may make sense, but I can assure you their lawyer will be from the United States and probably from your own town, and the court will be real close to you, and the bank that you will not have as much money in after they win the judgement is probably close too.

You can make all the statements and protest all you want. You will pay in American dollars