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I too have been in several of the same situations as many of these people!!! They do not care. You can forget trying to work with them. Get one day, and I do mean one day behind, they harass the *** out of you and do not stop!!!!!! Never Again!!!!!!! These are the...
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5 comments
Anonymous
#829505

I just checked the BBB or better known as Better Business Bureau. Typed in Capital One and there is an alert for this company who has over 6,000 complaints.

Guess it says it all.

Seems they settled for millions of dollars paid out to consumers who got ripped off by them. LOTS OF BILLING DISPUTES>

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Review
#423576 Review #423576 is a subjective opinion of poster.
Tags
  • DIRTY DOGS

Capital One in Boston, Massachusetts - Very bad experience

I am in USA for 3 weeks and got my SS#, I have no history and applied for Capital One. Their customer service in chat suggested Capital One Cash Rewards for Newcomers Credit Card -http://www.capitalone.com/credit-cards/cash-rewards-for-newcomers I have a good income and applied for it, in 20 seconds system declined it. THEY DID NOT CHECK ANY INCOME OR EMPLOYMENT BUT THEY REPORTED IT TO all 3 bureaus!!! I was escalated to 3 managers in their customer service which was completely poor and unhelpful. But in the end I am screwed up!! One of their managers offered to apply for their secured cards which has annual fee , it answers my question. they just make such card advertisement for attracting people to secured cards!!! They screwed my credit history which I wanted to start in US with them, their service is so poor, what I can do know. The only thing is go to court.
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2 comments
Anonymous
#830390

I agree with "just saying". Return, now.

Any time you apply for credit, it's a hard inquiry. That is with ANY COMPANY. That doesn't mean capital one screwed up your credit. It's a small hit to your reports.

Get used to it. And don't blame Capital One because you were declined. The manager who suggested a secured card, did the right thing. You need to have some sort of credit history.

No one one is going to hand you a credit card without some sort of history. The secured card will allow you to build that much needed history.

Anonymous
#827455

Really dude, go back to where you came from.

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Review
#422012 Review #422012 is a subjective opinion of poster.
First, I have been a GM Card holder for years and then comes Capitol One. They merge, buy out or something along that line. Now its Capitol One/GM Card. I have always paid my bills on time, pay using my financial institutions electronic pay method (have for years). ...
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3 comments
Anonymous
#739286

Same issue with me. I too had a GE card and Capital One took it over.

Never had any issues prior to Capital One. But holy ***, since Capital One I have experienced one payment nightmare after another.

They must have complete *** in both their CS department and AR department. I have since paid the card off, closed the account and vowed never to have anything to do with Capital One again.

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#421183 Review #421183 is a subjective opinion of poster.

Capital One in New York, New York - Froze my line of credit

When CapitalOne bought out North Fork I was assured nothing would change. I had a line of credit for years that was cancelled by CapitalOne because they didn't like that I wasn't paying down. I thought banks made money by lending. My credit rating is 800 so there is no problem. I have called and e-mailed the officer that made this decision for an explanation but have never been favored with a response.To make matters worse I must receive 2-3 mailing from them to borrow money. Since I am retired and living on a fixed income the burden of paying down the line of credit at what was $10,000 per month is a hardship.
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Review
#418809 Review #418809 is a subjective opinion of poster.
Tags
  • Mr Golf
  • Mrffgolf

Capital one is losing !

Its about 3 years that I have capital one credit card and the credit limit is $750. Now after 3 years I asked them to increase my credit limit, but their response was a negative answer to me ! they told me that they can not increase the limit ! I told them why? even I talked to 3 different people in this company (A rep. a supervisor and a manager) but there was not a specific reason for their action. as far as I remember always I was on time to pay my bills and even other payments (other credit cards) I did the same. so, this shows that something wrong in their system and they can not make a right decision. I do not recommend this credit card company. There are better credit card companies that they may have a better a service for you.For sure they are loser and they can not compete with other credit companies. . Stay away from Capital one. Have a great day!
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Review
#418412 Review #418412 is a subjective opinion of poster.
I just spoke with a customer service rep by the name of "jay" with the id number of "jwk"( if that even was his real number and name! Back in march our car got repossessed on a fri or sat night and we called monday to get all fees for our car, we were able to get that...
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1 comment
Anonymous
#886182

The repo fee is billed to the customer because the towing company bills said company for this fee so in since this is a valid fee and you do have until the end of the loan to pay this in full and is not credit assessing and will not put your account past due

Review
#415650 Review #415650 is a subjective opinion of poster.

Capital One in San Francisco, California - Most frustrating customer service

We had used our Capitol One credit card for a few years with no significant issues. When we attempted to use it to pay for a meal, it was declined. When we attempted to find out the problem (or any other information about the account), we would be transferred to a "fraud" representative. The "fraud" representatives were extremely rude and unhelpful. They would first say that they would help us, but then they would provide no information on the problem. We are still trying to close the account, but the account never gets closed. We still have no clue what caused the problem or why it is not being addressed. I would not recommend a Capitol One credit card to anyone, especially if you expect helpful customer service representatives. As far as I know, we have not yet lost any money because of this, but we have wasted a great deal of time and energy.
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#415235 Review #415235 is a subjective opinion of poster.
After making arrangements to pay for my van which was only two months behind, a repo man showed up. He must have been following me because I parked my van and walked inside my place of employment ON THE PHONE WITH CAPITOL ONE ALREADY and JUST FINISHING UP when about 5...
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2 comments
Anonymous
#1103165

Thats a lie. I used to work for capital one.

I left after my husband got a job offer in a different state.They will not repo your car at being only 2 months past due. Only if you never made a payment at all. They give more time for a person being late than any other company i know.

I wish my loan was with them but it's with a scam of a company called Santander. Now they are the worst.

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Review
#414530 Review #414530 is a subjective opinion of poster.
Loss
$20000

Capital One in Boston, Massachusetts - Robert

I financed though cap one i made 54 consecutive payments never missed a payment febuary 2012 i had a stroke and could not work i called Capone to let them know of my cituation along with medical records for solid prove they told me i did not qualify for there hardship program u needed to be 90days behind so i started makeing half payments till i herd from the hardship department never did that happen received a phone call on a Friday Sunday night car was gone i told the collection department that i could make a full payment on Monday finally hardship department called and was told that they would reduce my payment from 412.50 to 370 and add the difference along with repo fees on the back end of the loan.then i was told that the process takes 10 to fifteen business day unexcepticalas I was being charged 45 per day storage fee capone made it impossible for me to get my car back they are lying *** bags they already got there money on my loan as i made 54 payments out of 72 i hope no one finances a car with them and the government never bails them out they do not work with you under any conditions
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1 comment
Anonymous
#880034

Why is it that people who missed payments could always mysteriously make full payment when the repo man shows up?

Review
#413870 Review #413870 is a subjective opinion of poster.
Loss
$15000
Tags
  • saab 97x

Capital One in Newark, New Jersey - Capitol One... Who's in your call center!?!

I contacted capitol one today to try to lower my interest rate, which had just gone up for some reason. I was transferred to someone obviously not from this country. Although very difficult to understand him I provided all the acct details. He then asked me for a password.... I have a password for on-line banking but not for the phone I told him .. He then placed me on an extended hold. Another employee came on from the fraud department, again asking for a password... I still don't have one I said.. All I am trying to do is lower my interest rate, and it was becoming a federal offense!~!! I only wish someone would *** my credit card info and lower my interest rate for me!!!! How awesome would life be!!! I think that this is absolutely ridiculous of them not to allow someone to lower the rate with out a password. When did this start? Is this something new to make it more difficult for people to do this to their accounts. I am so going to cancel both of my capitol one accounts. Hey capitol one, hire some Americans!!!
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2 comments
Anonymous
#830391

Please learn how to spell CAPITAL ONE. Just saying is correct.

You can add a pw to your account for an extra Layer of security. You probably forgot you added one.

Anonymous
#827457

You are such an ***.. Credit Card account companies allow you to put a password on your account to protect to your account information, no Credit Card company is going to speak with you unless you verify the password that you setup with them.

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Review
#413608 Review #413608 is a subjective opinion of poster.