New Reviewer

Capital One canceled credit card while I was overseas

I used long-accrued Capital One miles to buy airline tickets to the UK. The week prior to traveling to the UK, I called to get a PIN so I could use my CapOne card to get cash in London. The first person I spoke to (located outside the US) had no idea how to help me, and when she went to switch me to her supervisor lost the call. I waited a couple days and tried again, and the next time got someone competent who addressed my concern promptly. When I got to the UK, I used the card once successfully, and then had it turned down twice. I called CapOne collect, as instructed on the back of my card, only to have the charges refused! I then asked my wife back in the US to call CapOne to find out what was going on. She had the same experience as my first call to CapOne (incompetence + disconnect). On the second call she was told that CapOne was issuing us a new credit card because fraud had been noted. When she told them that overseas use was me, they told her that I hadn't informed them that I was going overseas, and therefore the card wouldn't work. (You mean I have to ask permission to generate revenues for them?) She pointed out that I had bought tickets through them and called about using my card overseas to get cash, but they didn't seem to care / notice. So what's in my wallet? Certainly not Capital One.
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1 comment
#238462

I recently (after receiving offers from them every 2 weeks for 3 months) opened a new Capital One Credit Card Account. I received my card a few days ago, phoned the number given to activate and set up my PIN...of course I had to first listen and respectfully decline their offers of insurance, fraud protection etc.

(a 20 minute process). Within the hour I stopped at a Bank's ATM and attempted a $100 cash withdrawal only to receive an "unauthorized transaction" message. I promptly phoned the number given on the back of card and was told that my account had been suspended due to suspected fraud prompted by my transaction attempt. Are you kidding me!

Why had nothing of the sort come up when I activated my account not even an hour earlier...furthermore, they have my phone number (which was verified along with all my other identifying information when I activated the card) Why did they not call me?! Their reply was that they waited for the card holder to phone since someone fraudulently using the card would not bother to call...that is absurd! Then, after many phone calls to finally be able to speak to a supposed manager (they all claim to be the highest one up) I was given a list of items to fax to them to prove my identity...3 days later this issue is still not resolved (they couldn't read the driver's license...but didn't bother to phone to let me know that either...even though I gave all my contact info in my fax cover sheetand asked that they phone with any additional questions)...I really think they were simply trying to sell me the insurance, fraud protection, and monthly credit report *** and that since I declined having those charges put on my card they are now looking for a way to rescend their credit offer. I am unable to get to anybody within that organization with any authority to help me.

It is seriously the worst customer service I have experienced in a very long time, like you every time I call and am transferred I am disconnected...and there is no way to deal with just one person, so you have to go through the whole history each and every time you phone. They really need to get their act together or that will have to be their new commercial tag line - what's in your wallet - NOT CAPITAL ONE!

ID
#119593 Review #119593 is a subjective opinion of poster.
Location
London, England
New Reviewer

Sleight of hand to increase fees; lied

Their [off-shore] "customer service" reps lied about how payments would be applied and refused to remove improper fees. Despite the fact that total balance paid off entirely in a definite amount quoted by their rep, applied payment to a zero interest purchase and actually doubled the rate on regular purchase balance that, despite being paid off, they refused to reflect. When I discovered their errors and contacted them, a "manager" refused to honor what previous rep said. Refused to remove interest they said had accrued on what should have been a zero balance. Refused to send documentation. Refused to identify full names or locations.
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ID
#119540 Review #119540 is a subjective opinion of poster.
Location
Washington, District Of Columbia
Product
Capital One Credit Card
Loss
$3
New Reviewer

Capital One Disgusts Me

All I have to say is that they are an impossible company to deal with. I have tried over and over to have some type of normal business relationship with these monkeys to no avail. They have mislead me, some representatives are outright rude, and frankly think they are being smart by making things difficult, but they are actually slowing the economy down by tarnishign people's scores sue to thier bizarro business practices. I have never seen a more inefficient organization in my life and will never deal with them again no matter what!!! EVER EVER EVER EVER AGAIN!
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ID
#118227 Review #118227 is a subjective opinion of poster.
Location
Toronto, Ontario
Loss
$400
New Reviewer

Do not get a capital one credit card

if you are looking to get a capital one credit card DO NOT. there customer service sucks. they are not there to help there customers. i have filed a dispute on my account 6 months ago, spoke with 7 different people and no one would help. at first they credited my account and then a couple weeks later they took it back and said they need a letter stating why i was disputing. i sent the letter the next day. 3 out of the 7 people said they see the letter and i should see the credit within 7 business days. well after fighting with them for 6 months i still have yet to see the credit. i finally talked to a manager and he was very rude and ignorant and said sorry we are not crediting your account cause we never received your letter. i was like you got to be kinding me. i told him that i will be canceling my account and he said SO WE HAVE ALOT OF OTHER CUSTOMERS. what??? wow. so please do not get this card
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3 comments
#173864

Thanks for your input-I was considering applying from the special offer they sent me-just in case of emergencies, but now I don't think so. I am debt free and I think I will keep it that way.

#45156

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry!

For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number.

Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years.

Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined.

I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-***" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities.

What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card.

Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what?

Card is still declined and the phone goes dead! Unbelievable!

#8391

I agree. I always pay my account in full.

The next thing is I get an account for $3 for finance charge ? I tried calling their customer support which resides in India. They cannot understand me and I cannot understand them. The next thing they reported my account as delinquent.

I called them and they charged me $40.00 fees for not paying the $3. They cannot get me to log in to my online account. Their system is always off so i cannot monitor my account. I have not received any paper statements from them since my account was $3 which i disputed anyhow.

So now it cost me $43.00 to close my account and have a bad report to my credit. (I gues it is not that bad) but I had a perfect credit report. I worked hard for it. And yes they had a real so what approach when I closed my account...

Eitherway I think Amrericans should not support large corporations who out-source their customer services like that. There are many American who need work and their customer need people who can speak English.

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ID
#117580 Review #117580 is a subjective opinion of poster.
Location
Carlisle, Pennsylvania
Product
Capital One Account

Capital One is full of Hassles

Capital One claims " No Hassles". That is not true.... they are the worst. I am currently being charged an over the limit fee. I paid the entire balance of the card on Jan 24, the over limit fee was applied 4 days later..the payment was due on the 21st, I was awaiting my tax refund to pay off the card. When I recieved my refund, I went online to pay off card and paid the entire balance including the late fee, however 4 days later an over the limit fee was applied to my account. I have called and can not get them to take that off. Apparently, if you go online to make a payment, even though it says pay card balance, that is not the actual payoff of the card, but it dosen't tell you that or have an option for payoff. I have also had previous trouble with them, I am seriously considering cutting up my card and no longer using it.
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2 comments
#20730

I bought something for 20 dollars and they blocked it and claimed it was fraud.

I wanted to use this card on vacation but I don't have the time to *** through their horrible phone system to approve my purchases. I've had a discover card for 11 years they have flawless service.

Capitol one is insane and I love the e-mail that says they have been trying to reach me all day when actually they haven't.

I agree they suck. I'll hold on to the card but I will be using it rarely.

#9767

I got a capitalone credit card almost two years ago. Started with a 3grand limit and got raised to 3500 in 3 months.

I have not had one single problem with it or Capital One.

I take the credit card to the max and then pay it right back off.

So i dunno what other peoples issues are. I have 4 credit cards with different companies. Never had a single problem with any of them.

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ID
#117515 Review #117515 is a subjective opinion of poster.
Location
Tupelo, Mississippi
Product
Capital One Account
Loss
$60
New Reviewer

Getting to Speak to Someone at Capital One

I have made 41 phone calls in the past three weeks trying to see why Capital One put a hold on my credit card. Apparently all they do there is sit in a row of cubicles and transfer calls back and forth between eachother. I have spoken to well over 100 pakistanis who REFUSE to help me. I am transferred between "the correct department" and the "correct department" for literally hours. I finally got someone who told me who I needed to speak to, but alas it was after closing time. I hate these evil bastards and I hope something really bad happens to the lazy bunch of....
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ID
#117453 Review #117453 is a subjective opinion of poster.
Location
El Dorado, Kansas

They are suing me

Yesterday I got notice that they are going to sue me for a credit card debt, of which over $1000.00 is interest. I live in Michigan (enuff said right?) and over the past 5 years my income has been reduced from over $3000.00 to $505.00 monthly. I lost health insurance...
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46 comments
#853893

So I mean you guys get these *** cards and use up all the money and then complain when they want it back come on if someone owed you money you would want it too. Just like everyone else I have credit card debt and not enough money to pay it all but one thing about me is I take responsibility for my situation I signed an agreement just like the rest of you saying I would pay it back with interest and past due fees you guys need to get off your high horse and get over it

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ID
#117127 Review #117127 is a subjective opinion of poster.
Location
Reston, Virginia

Capital one Lied to me about finance charges

I say yes to their zero % advertized loan on the phone.I talked to Rep 3 times .After they told me that their is no extra charge for anything if I pay min balance upto 18 months.They knew that I was using the same credit card for monthly expences but never said any word about any finances charges on monthly expending.The credit never exceede >line of credit.I paid every month 5X more than minimum required payment but they ask me to pay finance charge on my monthly spending.What a rip off.NEVER DO BUSSINESS WITH LIARS.
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ID
#117111 Review #117111 is a subjective opinion of poster.
Location
Dearborn Heights, Michigan

Deceptive Practices at Capital One for fees

I inadvertently exceeded my credit limit on my card and wanted to correct the mistake before I was charged an over the limit fee. I made a payment online and also went a new actual Capital One bank that just opened by my house to make another payment so my account would be in good standing and I would not receive an over the limit fee. They did not post the payments on time, and are not reflected online in my account summary. Two phone calls later, I am still no further along and will have to "call back" after any over the limit fee is posted to my account. Basically, I thought I was just "unlucky" with mean service representatives, but actually now that I have read some of the postings on this website, I realize this is common practice for this company! No wonder the phone representatives were so unhelpful-they are doing exactly their job! I will have to wait to see if they will reverse the fee when it actually "posts" and after I call them again about it. What a waste of time and effort!
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3 comments
#8705

You people are idiots. Use some common sense.

If you don't want to go over your limit, pay it in advance!

At the very least, have common sense to know that you keep at least a $100 buffer between your limit to accommodate the reservation charges that come from gas stations, etc. As far as the other comments from other ticked customers, interest accumulates each day until you pay your bill, so there is always a chance that your payoff amount may have some lingering balance.

#6924

I paid Capitol One my bill in full and had no balance. So they sent me a bill for $19.41. There was no charges since the bill was paid off. the lady told me that it sounded like double interest but it really wasn't (she said). Now I can do nothing but pay them the $19.41 to keep my good credit rating. I will never never never deal with Capitol one again.

Bobby G. Thomas Sr

Bye bye Capitol One

#6792

:( went over my line because THEY authorized a charge at a gas station. Rep told me that they only authorize a dollar at the pump and I bought $40 assuming my last payment had been posted.

From then on they charged over the limit fees and raised the interest and minimum to a point that I could not pay it.

Told them if they would stop the excessive fees I would cut up the card and make monthly payments. Well, now I have been served for a court appearance, called their attorney and he said I could resolve it for $900......told him that I only had a credit line of $300, he said the rest is in fees and "too bad, see you in court".

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ID
#116671 Review #116671 is a subjective opinion of poster.
Location
Ridgewood, New Jersey
Product
Capital One Credit Card
Loss
$30
New Reviewer

Capital One Auto Loan Identity Theft

I received a bill in the mail from Capital One Auto Loans about a used car I had purchased. It is really ironic that I have no car and I haven't owned one in years. I've filed my police report, written to the credit agencies, written to Capital One, placed fraud alerts, etc. I don't know what else to do. Still they send me debt collection notices and I know it will only escalate from here. I understand about being "innocent until proven guilty" but here the process is all screwed up. I don't understand how Capital One could even give a loan to this other person/thief if they checked my credit report. I work as a temp., which means I'm often unemployed. They should never have approved a loan for someone without a steady income.
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ID
#116577 Review #116577 is a subjective opinion of poster.
Location
Arlington, Texas
Loss
$9

Capital One Bank

I've been a client of North Fork Bank for 38 years with few problems, however, just three weeks into Capital One's takeover of North Fork Bank, the bank lost my paycheck! I deposited my paycheck on Monday and then checked on line to find it "pending" Monday night. Since the paycheck was issued by a Capital One account it should not have even been pending, but deposited as cash. I checked the next day to find that my deposit was no longer even recorded! I immediately called the bank and they said they would look into it. When nobody returned my calls by Monday afternoon, I went in with my deposit slip and was told that they checked it out and that it had been sent by courier to the main bank by mistate and that it should be posted later that afternoon. It was not posted that afternoon and it still was not posted Wednesday morning. I called the bank 4 times on Wednesday before I was able to talk to the agent "working on" my problem who said that she had reached the department handling deposits and that they were backed up for days! I asked if we could put a stop payment on the check so that I could be issued a new paycheck by my employer but was told that the check is in the "system" and that they can not do that. When I asked the agent if I could talk to a supervisor or someone higher up at Capital One to straighten this out, she claims that they do not even have a contact themselves to someone in authority! Three days later they still can't tell me when the problem will be cleared up. . . As soon as I get my money back, goodbye Capital One!
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4 comments
#282650

Capital One Bank is a huge predator.Beware for your Senior Citizens. Even when you explain that your Senior does not read the small print-- and ask them to stop sending 'blank checks.

They still send them, bounce them, and charge th exorbitant fees. Capital One's CEO Fairbank; Director of Accounts' Jamison; & VicePres.

of Small Business-Moore ignore power of Attorney. They just want to fleece your seniors.

#127534

I am in financial hardship and have maxed out my credit cards.

Chase has put me on 60 month at 2% to pay off

BAnk of America - same at 6%

Capital One will do nothing -

They told me to go into collection.

DON'T DEAL WITH THEM....

#10603

i'm currently having the same issues with capital one bank. They have not recorded 2 withdrawals in my account, one was a check the other was a withdrawal from a teller for cash.

what's even more, when i deposited my pay check recently, they released only a small amount of it and nothing else. capital one bank is a nightmare

#7321

Capital One credit cards are a scam, too. They send the statements late, then charge you late fees and interest -- for two months! I've never seen anything like it.

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ID
#116558 Review #116558 is a subjective opinion of poster.
Location
Reston, Virginia
New Reviewer

Capital one balance transfer scam

If you have an initial balance on your account when you make a 0% balance transfer to your Capitol One account, you can never pay off the initial balance until the account is payed off completely. They will charge you interest until the entire account is down to $0.00,...
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14 comments
#875958

I am starting a class action aginst Capital One for there fraudulent action on 0% balance transfers for life of loan

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ID
#116424 Review #116424 is a subjective opinion of poster.
Location
Dallas, Texas
Product
Capital One Account
New Reviewer

Capital One Auto took 14 days to post payments.

I sent my payment to Cap One Auto on 2/15/08 via Western union Quick Collect (immediate tranaction). I look online at my account the next day and it does not show posted. I called and they said they do not have the payment. Gave my MCTN and told them it should be easy to locate. Called the next day because still not posted. I was told my account was in repo and being ready to be picked up. I am only 12 days late by the way. Come to find out after talking to 8 departments and 12 people that my car (which I am driving daily) has been picked up and my account is in the charged off department. Crazy, I know. I am currently trying to get a new car loan so I can get rid of this incompetent company.
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2 comments
#99126

Capitol One auto finance is a scam, racket, and lawbreaking group. They hide behind phones, make threats to me and my family and friends and harass 100%.

Never have I been late w/ payments within time alotted. They call between 15-25 x per day. They use ghost phones from every state in the country which contrary to what the "supposed" law says, they MUST identify themselves on both caller ID AND in person. I am REALLY PISSED OFF and now, they will have to watch their backs.

Enough is enough!! The law DOES NO GOOD for the consumer therefore, we take the law into our hands. Stop talking people, politicians and these Terrorist businesses get away with murder, they expect you to sit still.. Well no more!!!

Let's go!!

Capitol One is a fraud and its employees and the higher ups need to go. But first, a taste of their own medicine..

Get the bottle airhorns and BLOW them to deafness....

#12143

:x

My minimum payment due is $15, I paid $50 a week before due date. My bank is showing the withdrawal, but it is not positng to my capital one account online.

I heard they try to do this so u will be late and they can tac on fees. No on ever answers the phone and when they do, u get tansfered and disconnected.

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ID
#115226 Review #115226 is a subjective opinion of poster.
Location
Charlotte, North Carolina
Product
Capital One Account
Loss
$1500

Capiyal one learn patience

i just want to thank them for understanding how hard it gets when you become a signal parent of two and trying to keep up with your payments. they kept calling me at work so i got fired after 6years of being there for top many calls. once again thank you for ruining not only my life but my two children as well so much for getting help when you are almost at the poverty line thanks once again it was greatly appreciated. i hope you people dont treat all your customers like this if so i hope you go under then maybe you will think twice about giving someone a break.............
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1 comment
#24135

Capital One has a scam going to use customers money for free. I closed a C D in 2008 With Capital One and they held my money without paying a cent of interest for 10 days because they had lost it.

Now they hold back 28% of my initial investment, for no good reason, and offer no explanation or accounting upon receiving the check.

Their staff is totaly insensitive and uninformed about tthe law. Their attitude is you can just eat it or cry.

ID
#114851 Review #114851 is a subjective opinion of poster.
Location
Syracuse, New York
Loss
$5000

ID Theft Allowed - Will not protect your from losses

My capital one credit card information was stolen and the thief used it to run up over a thousand dollars worth of charges. Capital One wants to hold me responsible for all the charges. I have perfect credit, the account has always been paid on time...the charges took place in the Miami area and we live in Atlanta. Capital One will not tell me how to clear my account or my credit...every time I do what they ask, ie the file a police report, they want me to do something else. They will not tell me what I need to to complete this process. They also continue to charge me finance charges against the outstanding charges and will not share important information with me regarding the charges. I tried to close my account, but they continue to send me cashier checks...they are really screwed up. I am left with no choice but to stop playing their game and deny paying them which will hurt my credit and cost me more money in the long run...so much for credit card companies having your back....Capital One is hurting financially from the mortgage crisis and seem more interested in screwing their customer....Capital One Sucks....Do not use them!!!
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ID
#114771 Review #114771 is a subjective opinion of poster.
Location
Stone Mountain, Georgia
Product
Capital One Account