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Capital one do not even deserve one star, they should not exist.I apply security credit card for my parents, so they can build credit. I paid security deposit and capital one sent them a credit card. So I called to activate the cards they told me that they have to...
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#380582 Review #380582 is a subjective opinion of poster.
My wife made a deposit at Capital One into our checking account, and later that day used their online banking to transfer that amount to our savings account. Soon thereafter, we received notice that we would be charged an overdraft fee because of insufficient funds...
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1 comment
Anonymous
#601968

OMG! The same thing happened to me as well!

I just deposited a check on Tuesday and it cleared showing that the $241.00 was AVAILABLE so later the same day I transferred $150.00 to my savings account leaving my checkings at abt $91. Then the NEXT MORNING I was charge TWO sums of $35 one for insufficient funds for the $150 I transferred and the other for an overdraft cause of an automatic payment that came through for a credit card...and I was LIVID because ALL DAY Tuesday when I deposited the check it was stated clearly as AVAILABLE, now is that my fault? So at first they told me the same thing...they could only refund HALF of ONE of the fees. I felt that was a bunch of major *** so I asked for a manager and she only said she can refund one of the fees, so I asked for her manager so now I'm awaiting a callback to work on getting my other $35 return.

I feel that it was NOT MY FAULT it posted the check as available, cause if it shouldn't have allowed me to transfer to begin with if they so call say the funds are "not available till next business day".

My thing is i have been with capital one since I was 17. I'm 22 now and have NEVER EVER been late on credit card payments, had any insufficient or anything negative going on with my accts, so I feel they should respect my seniority and good payment habits and own up to there mistake and give me my money back.

Review
#379909 Review #379909 is a subjective opinion of poster.

Capital One in Sterling Heights, Michigan - Fraudulent misrepresentation by Cap1 Rep!

Consumer beware: Worst Customer Service I've ever experience in my Life! I purchased two airline tickets with my capital one card and was told by the Capital One representative that we had delayed and lost baggage coverage. This was not true! Because of this misinformation, I elected not to purchase travel insurance and my bags were lost by the airline for 5 days while I was out of the country. The airline didn't know if I would ever see my luggage again so I purchased everything I needed for my 3 week trip. Capitol One Reps are telling me now that the phone call was not recorded and so they have no record of any Rep ever telling me this. I got pushed to six different Reps and spend hours of my life trying to get reimbursed for this and in the end all I got was a measly apology for my troubles. This was a serious misrepresentation of the product and Capital One should be liable for this; yet, they offered no compensation and didn't take responsibility for the situation. It was because of Capital One's Rep, assuring me that I was covered that I chose not to purchase a travel insurance that would cover such delays. I am so disappointed by Capital One's lack of integrity. I want to tell everyone about this situation and encourage everyone to do their business elsewhere. It's not worth your time doing business with them. Keep walking.
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#378512 Review #378512 is a subjective opinion of poster.
Loss
$400
first, I bought a vehicle using Capital one auto finance, they told me it would be only 12% finance, the company I bought it from told me that I could also add in for registration and sales tax, little did i know that they upped my rate to 23%!!! I also asked them to...
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#378256 Review #378256 is a subjective opinion of poster.
Loss
$7100

Capital One in Bloomfield Hills, Michigan - Pay off the charge card and I got a bill today

After telling the bank, that someone had stolen my Credit card, I was given credit for the things that I did not buy and that was in October and in November I got another new charge card, I cut the card up and told them that I did not want any account with capital one bank and I mailed it back to them. Every time that I called the customer Service people, they are in India and NO one is ever in the United States. so today, I got a bill in the mail and it was over $300.00 and I had paid off the account and after, I got credit for the things that I did not buy. Now, all of the credit is gone and I am charged a late fee and interest for non payment for all of the things that was charged to my account
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1 comment
Anonymous
#595484

there is a capital one call center in El Salvador :P

Review
#376270 Review #376270 is a subjective opinion of poster.
Loss
$345

Capital One in Philadelphia, Pennsylvania - Treated like ***

I have doubled my income and raised my credit score and captial on will not raise my credit limit they said they are not raising anyones limit and I told them no one does business that way. I charged 25-30k last year and they charged the vendors 2-3 percent off my business. BY not raising my limit they keep my credit score lower and limit my growth and income. Big business is never there to help the small business man just their fat cat croinies. The goverment and big business are squeezing the *** out of the little man. We all need to get what we have worked hard for.
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1 comment
LadyScot
#592284

Credit is a luxury not a right, and NO credit lender HAS to increase your credit line. NOT A SINGLE ONE. And YES, businesses DO in fact work that way.

Review
#374292 Review #374292 is a subjective opinion of poster.

Capital One in Abu Dhabi, Abu Dhabi - Dear President Obama Please Help the working Class

Capitol Credit cards are undermining people who are working hard to maintain and improve their credit. They are intentionally taking advantage of customers with good payment history. They promise in increase their credit line on a new account after seven months of good payment history. They also charge hidden annual and a stated annual fee for these cards. Extortion at it best! I have a Capitol One Credit card from three years ago that they will not increase the credit line from the original amount. I have perfect payment history and my credit rating is 100 point higher now that it was three years ago. This has to be dealt with with a class Action suit. They are slime! Would some one with some clout and power that is not a big banker do something!!!
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#372020 Review #372020 is a subjective opinion of poster.
Loss
$75

CAPITAL ONE

CAPITAL ONE IS THE MOST FRAUD COMPANY EVER. THEY ALLOWED A CHARGED TO GO THROUGH OF 200$ ON MY ACCOUNT WHEN I ONLY HAD 80$ CREDIT. INSTEAD OF DECLINING THIS CHARGE THEY ALLOWED IT TO GO THROUGH TWICE!!!!! I WAS CREDITED FOR THE FIRST BUT NOW THE SECOND ONE THEY ARE SAYING ITS MY FAULT, HOW SO? IF I ONLY HAVE 80$ CREDIT HOW IS OK FOR THEM TO CHARGE MORE WHEN THEY PLEASE? I CALLED ALL DAY TODAY AND IVE NEVER EXPERIENCED SUCH HORRIBLE SERVICE. TRANSFERRING CALLS BACK AND FORTH, DROPPING MY CALL, TELLING ME ITS MY FAULT. NO ITS NOT MINE. IF I HAVE 100$ WHY IS IT OKAY FOR SOMEONE TO TAKE MORE AND PUT ME IN DEBT? ALL THEY KEPT SAYING IS WELL SOMETIMES, THERES A LI-WAY. A LI-WAY IS 5-20$ NOW 200% MORE THAN WHAT I HAVE IN MY CARD. IM DIGUSTED BY THIS COMPANY.
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1 comment
Anonymous
#585479

From my experience with Capital One, they are almost always willing to wave an over the limit fee if it is the first time. After that, they suggest that you change your credit card preferences so that your card will be rejected if a new charge would put it over the limit. That's how Capital Ones makes some extra money, preying on the ignorance of the poor card user.

Review
#369840 Review #369840 is a subjective opinion of poster.
Loss
$211

Capital One lowers credit limit, charges "overlimit fee"

My HBC credit card was issued to me with a limit of $2000.00 some years ago. I used it a few times, and always paid off the balance when due, but haven't used it for a couple of years. Capital One took over HBC's credit business. With no communication to me, they lowered my credit limit to $10 (that's TEN). After I made a purchase of $11.76 (nothing was said at the till about my credit limit) they charged me an "overlimit fee" of $29. What a scam! One phone call fixed the problem; they agreed to "waive the overlimit fee for me." However, I closed the account. Concerned about my credit rating (which is perfect), I got a copy of my credit report, only to find that Capital One had accessed it as recently as August. I guess they thought I was good for $29.
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#366389 Review #366389 is a subjective opinion of poster.

Capital One Credit Cards

For over 10 I pleaded with cap 1 about my billing and unrealistic extra charges never being satisfied all the way to the top or as far as they let me go. Finally around '05 I started trying to pay them off and let them give me a figure and they said 1700 bucs and I paid and they came back saying I owed another 2000 bucs after arguing I paid that when they asked for money a third time I yelled and screamed fraud over another 1000 bucs which I paid. Last yr, '11, I received a tax noticed saying I gained income from cap 1 of 2000 bucs which I had to pay taxes on, talked to cap 1 again with no satisfaction and in dire straights I finally paid the tax and believe it or not they are now mailing me to get a cap 1 credit card for which I now have to give my life story to get them to take me off their list so they can sell my address to another, more junk mails a-comin' .............
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1 comment
Agen
#587743

capitol one has been giving me the run around for over 10 yrs keep saying ok but never giving any satisfaction, the BBB an cap1 is not responding properly an like I said after paying them I still had to pay taxes on money they say I still owed them, I have pretty much given up.

Review
#363635 Review #363635 is a subjective opinion of poster.
Loss
$10000