Capital One
Reviews and Complaints

Because it is now the goal of my life to warn the country CANADA in which i live to warn everyone. If its about walking from city to city until i meet every potential victim and plead with them to not make the life threatening mistake of getting CAPITAL TO NO ONE ugly card.

I stayed up all night trying to talk to someone. I made 6 calls in a row to get a supervisor. Each time i had to jump through the same hoops as every time. Finally when I had enough some things that I have NEVER experienced before.

I continued to ask the fellow the second time if there is a supervisor on site. He would not answer only deflecting for me to call back for an account manager which was not with whom I wanted to speak. I am going deaf and I had to continually ask for the rep to slow down and to really enunciate the last syllable and to really hit the final letter of each word. When one gentleman completely ignored that and I wanted his name for my report, and to know where the call centre was.

Now it is normal for people going deaf to hear their language better from someone raised and schooled in the same general area. So i asked if i can speak to an English as first language in no reason other than the fact my hearing is going fast. I asked at least 5 times to speak to someone like that. He said NO.

Then it occurred that they may not be in canada. I have the utmost respect for anyone whe speaks more than one language. So please believe that it is my handicap and the request was valid. He refused to tell me, he also refused to tell me his name, other than Dave to make it easier for people.

I think ones name is very importable and no matter what the name is, you should show the respect everyone deserves. And did I mention that the two times I spoke with him his phone name changed. He refused to admit I had already spoke to him 5 minutes before and just kept pretending. Then here is the PART THAT MADE THE INTERACTION WITHOUT QUESTION the all time worst of all callers in this and all galaxiesI was given a phone number with an automated request for my name and stateIM IN CANADA!

I called it so much it is tattooed on my frontal cortex. So i kept trying until 10 times came and went so I called again. The person who confirmed the number i was calling as correct, I pointed out that the number asks for info, and no matter how many ways I tried to get past the first step, I never could. HERE IT ISevery time I told the rep what happens he insisted I was dialing wrong.

Over and over until i begged the question. do you not believe I am so clueless that i cant dial a number that was written on several post its and written in SHARPIE on my hand. I am going to cancel this as soon as I pay my current bill. I am not someone who tells tall tales.

I am going to post this review everywhere including kitchen sinks.

Speaking to them today was like trying to work out mathematically the square root of my dog. Good bye Capital One, do every one a favour just go back to your old job, spreading the plague.

I requested a new card, I waited a week and called to see when the new card would arrive only to find out they hadn't processed my request, they needed additional information, but they could have reached out to me or at least let me know over email instead of waiting for me to call. Secondly, they told me I could still use my old card on-line while waiting for the new one in the mail, but then when that wasn't working (it was working some of the time like Skip, Coop Taxi, Transit and Ding but not for GPAY or MoneyGram), I called and they asked me to verify the physical card and when I said I didn't have it, that I was waiting for a new one, they said I couldn't make any purchases until the new one arrived, when I told them I was previously told I could still use the old card number for on-line purchases, they kept giving me the run around, I eventually called back and spoke with a supervisor who didn't really do anything but reassure me that my card was on its way and apologized for the inconvenience.

Capital One used to provided excellent services and value. At some point for whatever reason they chose to sell off the investment arm of the bank and that seemed to herald a new "Who Cares?" paradigm that has since been the watchword in all that they do.

Fundamentally, it seems as if they simply decided that they no longer wish to have any other type of customer than commercial or business clients and have chosen to punish those who remain until we get the hint and leave. Sadly, I have tried that and they seem well aware that the other banks hate us too, or at least they view as nothing but cash cattle and intend to fully exploit that view knowing we have no alternatives that will be substantively different.

My most recent debacle is not the first time this has occurred which is all the more infuriating and to set the stage let me noted I have 3 accounts at the bank. It seems they no longer offer one item which is my Simply Checking account which is just a standard personal checking account opened at a branch several years ago. I subsequently opened a Capital One 360 account which I dub "Spending" and as one might guess is also a checking account aka a Demand Deposit account.

While not a factor in this, I also have a Money Market account. I have a debit card which is linked to the 360 account known as Spending where the Simply Checking has no debit card associated with it. As we all know, the fraud attempts out there today are prolific to say the least and at some level I can understand some policy choices but I do not and never will understand poorly conceived and ill executed choices that don't account for the pertinent details involved as I feel is the case in my current example.

Recently I was trying desperately to get funds that I needed to prevent an event that nobody wants to deal with, an auto reposession. This led me to try some things I would otherwise have dismissed and these in turn led me to an almost manic need to make one of these things yield the promissed fruit.

These idiotic adds that we should not allow but for some reason do - "Get paid for surveys" and their ilk. Also "Need a loan?". They all end up as nothing more than exploits based on the hope they generate against your dire need and none have any intent to actually pay off. In fury I delved the fine print and understood the requirements of making one of them pay off and was determined I would make that happen and in the course of attempting that, I went to site and accepted a deal for a flashlight for only the shipping of 9.99.

Shocker, they also charged my card a second time for 39.95 and when I saw this I reached out to Capital One to address it. Mind you, my card was not lost or missing, a merchant had simply charged it again via a duplicitous approach. As part of handling this, Capital One forced me to cancel and replace the debit card setting in motion this needless stupid situation. I can't access the funds in my account because to do so, I need a debit card.

The replacement is, of course, still coming despite that it was supposedly expedited (which I had to specifically ask for after being told how long it would take and after I had already made clear I needed it yesterday and noting the last similar incident). For the record, I resent the idea that something that takes 3 to 4 days is called "expedited". Overnight is expedited.

Worse, the damn thing per FedEx is sitting in an adjacent city waiting to be delivered tomorrow while I sit here desperately in need of the damn thing. Not even the option to circumvent their sloth by picking it up so there's a finger for FedEx too.

Now, I have basically every damn money app out there and in a finger for all of them, whatever moron programmed them has their instant transfers centered on, yep - you guessed it, Debit Cards.

I don't get what idiot then added the option for 2 to 3 business days via the linked bank but if you are reading this I have a special finger just for you. Bluntly that is of no use to anyone and I am quite sure it's there on purpose to cause mix ups which then result in unfixable situations which they then exploit by having captive funds that we cannot take back. But, as I considered various transfers back and forth to somehow get my money to an account or app that would then allow me to USE IT, it occurred to me that my Simply Checking didn't have a debit card associated with it. I'd found previously that I could not have one card that was linked to both accounts (WHY?) and I'd gotten sidetracked trying to find the control in the Capital One app to simply request one as all they had included was the request to replace one and not to simply get one issued.

At this point I reached out to customer service and was shocked when told she could request one which would take 2 to 3 business days and which point they would then issue one that would then be shipped out in, yep, 2 to 3 business days at which point THEN it would be in transit for 7 to 10 business days. At this point I began wondering if they are even listening when they respond as you say, "I need this yesterday" and they respond by supplying options that will take upwards of a week. It doesn't take a rocket scientist to grasp that those are not options at all.

Moreover, how in God's name was this not noted and acted upon by them during the last stupid time this happened?

The technology underneath them has evolved several thousand fold while their ideas and policies seem to have retreated in the Dark Ages. In every way they are constantly enabled to move faster and easier and yet, what they offer us is slower and increasingly painstaking and damned if I am not sick to death of it.