Reviews and Complaints
2.3M CLAIMED LOSSES
2K TOTAL REVIEWS
270K PAGE VIEWS
8 ISSUES RESOLVED
Capital One Reviews
Capital One should be avoided at all costs.
I had been a customer in good standing for years with Capital One and enjoyed a low rate on my cards. 2 months ago they sent me a rate change in the mail wanting to raise my raise to over 17%. I called cancelled the cards froze the rate at my low rate and continued to pay them off. I was the victim of theft with my checking account which I made my payments so my bank put a Hold on the account. Well an automatic payment went through to my Cap 1 card but was returned because of the hold and Cap 1 raised my interest to a default rate of 23.3 %. Even though I had never missed a payment and kept the account in good standing they raised the rate. I even called and explained what happen and offered to fax copies of the banks affidavits and police report and they still refuse to do anything to assist me. They want me to wait 90 days before they will consider a rate change when I had never been late before. Scoundrels at best is how I would describe them, what's worse is that these criminals took T.A.R.P funds from the American people then turned right around and started screwing them on their interest rates. The new consumer credit protection legislation won't help either as it doesn't go into effect until next year. Congress likes to pretend they did the American people a favor by passing it but the fact is they wanted to give their campaign contributors enough time to nail customers with fees and interest hikes before the legislation would take effect that's why it doesn't take effect for 9 months. Its practices like this that gives the free market a bad name. I am going to hold off getting another credit card until after the legislation takes effect. You can be sure it won't be with Capital One too. Sincerely, Another Cap 1 victim
Saint Charles, Missouri
Capital One are crooks
I am a long standing customer and had my intrest rate increased. I payed the balance and disputed the charge. They blaughed it off and blew me off and now after I paid the entire balance a new chage of $17 dollars was added to punish me. Stay away from this company and any one that has contact with this company. They refuse to correct anything or give back money "stolen" form my account. Remember I have a paid off account and they want $17 dollars more and refuse to give back my overcharge. Run , run fast and do not allow them to get into your life.
Santa Clara, California
guess what dumbas*es, if you live within your means, this wont happen to you, sorry life is not fair, be a little more responsible, you create your own problems, and you need to be pissed at yourself, noone cares how pissed you are at capital one, they have millions of happy responsible consumers capital one gives me compound interest on my bank accounts, and they have always been fair with me is there things i would like to buy instead of putting my money in the bank?? yes of course stop living like pigs, wake up america, be responsible, quit looking for handouts
SKIM SCAM SUM
Cash deposit made before 3:00 and still no acess to my money after 4 days!!! Is the banking system really sound? Since our company was changing deposit days I was confident they would screw it up... They did ok but a 1000 CASH deposit was messed up. I got an ATM balance and THEN confirmed it at the bank tellers window and was told NO fees could be charged for the use of the money. Found out later by chance they were showing a -661 balance!!! When I asked them they were also charging 31 dollars that escalated to 35 the next day!!! I got the dated CASH reciept from the BANK and they still want to pass it on to someone else to make the decision... I tryed to tell them that MADDOFF no longer was in charge but they would not listen!!! BS
paula v Mhy
Los Angeles, California
Turned me down for a credit card. I havnt dealt with you for more then 8 years.
I had a prepaid credit card from you and kept up paying so my limit went up. I then vanished for 8 years and had no use of the credit card. I havnt had any use of any credit card in over 8 years. Why was I turned down. according to the letter I was deliquent on payments. Not so I had no payments. Is there any way we can come up with an agreement on what I owe or owed you years ago, im trying to establish credit in my name. If my card was used after August 2001 then it wasnt me using it. I at least deserve a free credit report. Can you at least send me that?
Idaho Falls, Idaho
Capital One raised my interest rate to 27%
I was always happy with Capital One until about two months ago when they raised our interest rate from 9.9% to 27%! When I called, I was told that the area I live in is considered high risk and therefore they could not lower my interest rate. I paid off my balance in full thinking that my original interest rate would be reestablished. Again, I was told by customer service that my interest rates could not be lowered. I immediately closed that account and will never do business with them again. Their business practices are predatory. I am done with them.
Unjustified late fee charged by Capital One
i payed my monthly payment plus an additional $62.00. My authorization code was dated 01May. Capital One charged me $38.00 late payment fee. I called Capital One customer service and was offered half off the late fee to make things right. I informed the representative I expected full $38.00 credit. She refused to offer me anything over half. I am pissed and intend to transfer my balance A.S.A.P. I told the phone person of my intentions and she was unconcerned. I have used this account since 2006,but NO MORE. Good-bye Mr. One and all your greedy predator ways.
Capotol One is raising my interest 100%
After 14 years with Capitol One they've decided to jack up my interest rate 100% this coming January 2010. I have NEVER been late with a payment in all that time and almost always pay well over the minimum due. My credit score hovers 800 give or take. I've had 4 or 5 bank loans within the past 14 years and ALL are paid off and paid years before the term of said loans. When January gets here I will have finished paying off that card and be finished with the idiots that govern Capitol One's policies.
Joe C Cni
Capital One when a bill isn't the bill
I had a balance of 206.72 with capital one so I paid the entire amount on time believing I was finished..right. I just received my new statement with a finance charge of 3.18 on the bill I already had paid. When I called the customer service I was told I should have called for the pay out amount. What a racquet that the bill is really not all the bill. I will never use this card again what an incredible rip off. I did asked the representive if I was going to be billed finance charges on the finance charges but of course she couldn't answer that one Joe Chicago
Lake Ariel, Pennsylvania
Due to the economy my interest rate skyrocketed!!??
This is a repost that I am posting on every Cap one post in hopes that no one will give this company the time of day. Had our account for 11 years. NEVER a late payment and always a good customer. We got a "change of terms" in the mail stating that our interest rate was going from 10.5% to 17.99%!!! I called and asked them why and after waiting 20 minutes on hold I got to speak to a person I could not understand and only told me that it was stated on my change of terms mail why. No it wasn't I said. They finally told me that it was because of my account activity. I asked what exactly they meant because I have an excellent record with them. She told me she couldn't say why. I closed my account. No more credit cards for us. If anyone is thinking of getting a new credit card right now, please think it through and don't forget to read any fine print.
Trying to steal from me, will not pay!!!!!!!!!!
I payed off capital one acc. then they charged me 700.00 on an acc.I did't use, they would not send statements or *** credit report,5 yrs.latter sent wife a collect. notice for 925.00 for which we know nothing about!!!!! RUINED MY CREDIT, Why can,t the feds control such unsruplolus practices from companies that continue to decieve and pilage the unsuspecting and poor ? I am going to lodge my complaint with F.T.C and my congressman and senator and B.B.B. and to whom ever will listen. Advise all to do the same !
Newark, New Jersey
Capitol One = *** Bags
Capitol One is equivalent to the last *** I took. I hate these bastards and one day they will get theirs. If you owe Capitol One money and cannot pay, they will continue to haunt and haunt you. Capitol one is infamous for sending credit card holders that are in default, pre-approved credit card offers. Don't be fooled by these practices. If you choose to accept their offers, don't be surprised when they post a payment from the new account to the old defaulted account to extend the Statue of limitations. It would give me great pleasure to see Capitol One collapse. Watch Capitol One, they are very stealthy and dishonest.
Capital One Raised my interest rate!!!
Capital One raised my interest rate from 5.9% to 15.9% just for kicks. I've always paid on time and I haven't used the card in over 1 1/2 yrs. A while back they tried to raise it to 10.9 % and I said NO and told them to close it and that I would pay it off at the 5.9 %, that is how it works with all other banks I've dealt with. They said they couldn't close it until it was paid off, but wouldn't raise my interest rate if I didn't use it. Today, 1 1/2 yrs later, I get a bill with an interest rate of 15.9 % and was told that I had 2 options, pay the bill in full or pay at the 15.9% rate. These people are thieves, not only do they take tax money from the government, but they also screw us over with the interest rate.
Capital One raised my credit card rate fron 7.9 to 24.9 reason given bad economic times nothing else
I have been a Capital One credit card holder since 2002,I switched because they offered a 0% rate. I have never been late , never over the limit , never a bad check , only on time excellent pay. They just raised my 7.9 rate to 24.9 rate .After talking to several SUPERVISORS they could only tell me that it was because they were in bad economic times and had a lot of other card holders that were bad so I was paying for their poor credit. I will never go back to this company and warm others to beware.
Baton Rouge, Louisiana
Capital One *** Service Not "Its Own" Fault
Capital One has become a mega-bank: gobbling up tiny, defenseless banks (North Fork, Hibernia, Chevy Chase), destroying their infrastructure and implementing its own corporate baggage and melodrama. If you've noticed that Capital One's Customer Service has gone to *** in a hand basket, there's a really good reason why. Soon, very few--if any--internal departments will have a vested interest in the well-being of the company or the satisfaction of the customers. Capital One, in its last-ditch effort to save money (who also, by the way, took some of the bailout money) and grow even larger, has begun outsourcing everything from HR to IT. Now the current employees work alongside--and train--contract workers, who are only there to fulfill a contractual obligation. Many employees know they are training the contractors or other outsiders for their own jobs. This does not make Capital One's employees too thrilled to work under a company who will soon fire them (oh, excuse me: lay them off) for cheaper labor. And so the poor attitude and dim outlook trickles down to the Bank Managers, the Loan Officers, the Underwriters, and the Tellers. Once the transition to outsourced or contract work is complete, none of the "outside" workers will really care what happens within Capital One or to its customers because Capital One isn't their employer, it's a customer which can easily be replaced by another. Capital One isn't employing "it's own" workers, and so can also drop one contractor or outsourced department for another: fully re-training, re-familiarizing, and wholly inefficiently re-hiring a whole new set of "employees" as often as necessary. So, while you may not personally care that Capital One outsources or will outsource most positions/departments, you will care once you realize outsourced workers don't care about you, your business, or the internal health of the company for which they contract. Capital One's *** customer service isn't "it's own" fault, but the fault of the uninterested staff.
Thank You for Your Reply!
Thank You for Your Reply! We are processing your message.
11Thank You for Your Submission
Your comment is successfully posted.