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Robert W Jow

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Verified Reviewer
| map-marker New Orleans, Louisiana

Online banking service is terrible and customer service is a waste of time.

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Capital One - Online banking service is terrible and customer service is a waste of time.
I used their online banking to pay my auto insurance right before leaving on vacation. The money was removed from my account and the website indicated that my payment was made on time. Weeks later I received a message from my insurance agent that my auto insurance had been cancelled due to nonpayment.
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Loss:
$605
Cons:
  • Terrible service and non-existent customer relations

Preferred solution: Payment of fees incurred as a result of their nonpayment of my auto insurance.

User's recommendation: Stay away from Capital One Bank and if you're already a customer find a new bank.

Anthony C Cxa

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Verified Reviewer
| map-marker Saint Paul, Minnesota

I would like to get up on my Walmart and my platinum card

I wanted to make a promise to pay that I have done for over a year ago or close to it,where I would give them permission to take the money out on the first of every month,but for the first time since I had this card,now Im being told that I have to do the payment on the first,no one has ever done this rejecting my payment and I keep asking customer service on the phone,the question that is not being answered is every one was wrong , and never got an answer maybe you can give me that answer
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User's recommendation: I would not be encouraging people to do certain business with you guys

Ashy

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Verified Reviewer

My Experience with Capital One: Do Not Trust Them (This is the second complaint about anyone that I have written in my life)

Original review Jul 20, 2023
TLDR: They ran me in circles for several weeks and cancelled my credit card for something out of my control. Edit: I was nice to the employees on the phone. Upper management was unreachable and made this decision. I recently opened a credit card account with your (Capital One) company. I spend a lot of time abroad and I felt like your Capital One Quicksilver Cash Rewards Credit Card was a good match for me, especially since it offered Mastercard World Elite benefits. I hadn't had this card for very long before I tried to use it for a large expense (around 400 euros). For some context, my finances and my husband's are separate, but due to unforeseen circumstances, I needed to use this card to pay a utility bill on his home in Greece while I was there. I figured it wouldn't be a problem. The transactions were rejected, and I didn't know why. I tried more than once, as this happened with my other credit cards here, and I would just make a note that the card doesn't work with "such and such" company and move on. Out of curiosity, I went to my account page to investigate and found that my card was now inaccessible. I called your company, and you told me that I would receive a phone call in 7-10 business days. My phone never rang. I called again, weeks later, wondering why I never received a response. You told me that someone tried to reach me on the 30th and left me a voice message. I used another phone to verify that my phone did indeed work and also noticed that it did not have a voicemail system. It can't be set up. I went ahead and requested that your company contact me by email, through the house line that I dialed you on, or through my husband's cell phone if you couldnt reach me via my US phone number. I am using a "travel" card, right? Roaming is expensive, but I left my phone on anyways. After I gave you this information, you told me that you would send me an email requesting documents to prove who I am. I waited some time and the email didn't arrive. I called again and another employee sent me the email, which then arrived immediately. This email requested documents to prove who I was, specifically, a "government issued ID/Drivers license, Social Security Card, Proof of Residence, and Bank Statements." I provided the case number on a sticky note next to those documents as you requested. I provided my state ID, Social Security Card, one Bank Statement (my mistake, there was an "s"), a W-2, certifications for my job, and just in case, my passport. My phone finally rang, and you thanked me for "finally answering my phone this time." You then told me that I needed to submit three bank statements instead of the one. I went ahead and sent them, but things started making less and less sense. It was as if I was applying all over again. I was under the impression that I was trying to prove who I was and everything I sent should have been sufficient. Then, you called my bank for further verification in a three-way call. The banker and I were going over the standard questions he was required to ask and while he did get to verify who I was, you cut him off. He was trying to ask if he had my permission to speak with you. At this point, I wanted to know what else was going on. You told me that the reason why your company was requesting extra information was because your company was considering changing my credit limit (why?) or canceling my account (what?). I was blindsided. This is not what this was supposed to be about. I was told to wait for another phone call. I waited for another phone call, but I assumed someone didn't read the account notes, tried to call me, and didn't bother trying to contact me with any other option you said you noted. You could argue that using those other options I gave you weren't allowed, but I wouldn't know that. Why even let me give them to you? I, again, waited for a phone call and while I was checking my email today, noticed that I received a survey from you. Generally, surveys arrive after the closing of a case. I never received a phone call. I called, having assumed you never did, or you hung up, and when you answered you told me that my account was cancelled. At first you told me it was because you couldn't prove who I was. I asked you to clarify and I listed to you all the things I submitted. There was nothing else I could think of that could prove who I am. You looked for the letter you mailed me explaining why my card was cancelled. You then tell me that it was cancelled because of the returned transactions. You then tell me that in the card agreement, you can cancel an account because of returned transactions. This can literally happen to anyone, at any time, especially when traveling in a foreign country. I then asked if the length of my account or the location of the transaction was why my card was cancelled. You said it was simply because of the returned transactions and that those other things didn't matter. What you essentially told me was this: If one of your clients used their card for its benefits and had the misfortune of a returned transaction, you would close their account. If this came off as angry, it is because I am. You didn't need to make me submit those documents, make me phone you, or waste my time waiting if you just wanted to close my account. Please, without the fake HR apology lingo, explain to me why anyone would want to be your customer? You told me I can just reapply... As a credit card company, you know how credit works. I now have a hard inquiry and a lower credit age. Then you took this card away, increasing the percentage of credit card use. All of this will affect my credit score and you want me to do it again? Thanks for that. So, I know that this information will hopefully not disappear into the void and because I don't trust you, I will be posting this same review on all my social media. Note: I did express my feelings on the line and was told that my concerns would be passed on. Apparently, the survey does not work for complaints. You must call them. The last person I spoke with heard my complaints and said they would be investigated. While I don't have any ill will towards any of the employees I spoke with, I do not trust their management to do anything. I'm not calling them again.
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Pros:
  • Mostly polite employees
Cons:
  • Inaccessible management
  • Complaints via phone
  • Poorly handled

Preferred solution: Apology

User's recommendation: Don't apply for this card or if you already have one, use only at large, well-known chains to prevent returned transactions

Janette P Qoq

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Verified Reviewer
| map-marker Braddock, Virginia

They stole money from my account

Capital One - They stole money from my account
Capital One - They stole money from my account
Capital One - They stole money from my account
Capital One - They stole money from my account
Capital One - They stole money from my account
Capital One - They stole money from my account
I looked at my credit card balance on my account and noticed they did not apply three payments I made to my credit card account and the amount is not reflecting back to my checking account. I made 3 separate payments to my credit card with the largest one of $595.00. When I called, the automated system said $595 payment was received and posted. Days later, Capital one sent me an bill to my email address and posted on the bank account that I owe $800 plus dollars because payment was returned with the word CONA next to return payment and misspelled words as well. My payroll check had just gone into my checking account where payment was made to credit card within the same banking system and I had enough to cover the bill. Capital One stop stealing and I want my money back to my account.
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Loss:
$884
Cons:
  • Steal money from customers
  • Fraudulent practices
  • Hire thieves

Preferred solution: Full refund

User's recommendation: Be weary of bank transactions at this bank

Valera L Qrl

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Verified Reviewer
| map-marker Vladivostok, Primorskiy (Maritime) Kray

Project

Hand it over to your superiors! Equipment for boat engines with a height not lower than 25m Or PROJECT. House Day Hello, I'm Larin Valera Panoramic video cameras with high-definition optics and digital, installed on high-story buildings, which concerns, especially American buildings. With the help of them it is possible to track not only busy streets of people, cars, intersections, streets, traffic that occurs in the area of these streets, but also various events. It is also possible to track the flights of airliners, somewhere private, especially for roads that go far into the countryside, villages, townships for how many kilometers. It is also possible to track the movements of satellites in orbit and know their malfunctions over cities and not only in the area where such large-scale panoramic video cameras are installed. It is also possible to trace ocean ships, their movements in the coastal zone, if there is no other access. Well, and of course in the case when there are no fog, various clouds, visibility available especially from the coast to 70 km, mainly at this distance are all sorts of emergencies, especially in small boats or. Such video surveillance is especially with regard to high-rise houses, in the States of different American buildings. Mount such equipment should be installed somewhere at the very height of the building, under the canopies, or at the very height, so that it does not overlap other buildings, but and so on Again, as for quadrocopters, now some quadrocopters can have a terrorist impact, in terms of where there are masts on which radio or GPS electrical equipment is fixed, which these quadrocaptors can bring into disrepair what is installed on such masts. Also, I believe, where such antennas are installed, their presence on the mounted points should be recorded by video cameras, but of low magnification, in case of what to see the moments of their failure! In general, I believe that the House Day project is more suitable for the American states, where the houses are located so that you can trace, as well as track the moments of all sorts of different incidents. Also beacons on which you can install such equipment in an accessible place at low tide and high tide, masts 40 meters high masts with metal angles, trusses, where there is no such interference from the wind waves. Also, as for the roads that go from one state to another not counting the middle. You could even install some masts in Texas and track the direction of the vehicles and also partially ensure their possible, I would say safe movement. To know what is happening on the highway, along these roads. Installed masts should be located further away from the road, if possible, or in places where other lines are being laid, assembly lines, all sorts of things where it's convenient. Why the name House Day? If you look for me, please do not involve my relatives, mother, father, especially my sister and other relatives, please Whatever they may seem to you. It has nothing to do with what is said here, they may react aggressively or normally and then try to throw the number out. The address of my place of residence, residence registration Khabarovsk region, Khabarovsk city Batareiny Per. 4A, kv27. Tel. 8 96* *** ** ** 8 96* *** ** ** WhatsApp Or a frequent location GSK-127, box 22 The same base workers, especially watchmen and chairmen, who are near the GSC, with the appearance of normal, can change appearance and appear in one point and in another, especially after the work of this collider. In general, I wanted to send such a project later, Well or a letter, but there was a feeling that my e-mail has all sorts of records, which either someone traced, or some ideas that are here, smoothly flow into some departments, (this e-mail helped me to make acquaintances, which may have been known data) so I thought necessary or as if to hurry. So I decided to do it all in this way, forwarded to you. In general, I prefer to act through people, competent, not directly, but since such people were not around, the chief got older, he is now 80 years old, was strict and responsible, and still the information, it somehow goes away, lost, so I forward it to you, in this way with my name. I hope you will understand me and do what you need to do. Also this information has been sent to some, similar organizations in your country. Also the text may not have been translated correctly, so the text below is for your translators. Thank you for your attention Since I didn't serve in the army in this country and didn't mow my grandmother was the boss of envy that's why I forwarded you this message. I also send this information to other similar agencies.
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User's recommendation: Hello, forgive me in, so I do not know so much about the computer as in the work, so some for someone practical words, but for me the forest is thick, web browser account, I often do not apply, do not use, do not apply all this in the work, somehow it is all the same and there is no nearby comrade who will always prompt. I did not expect you to respond and take so seriously, nevertheless, I am pleased that you responded. In terms of English I also admit I am not very good, I know a few words, but I like English and I have your letters, but some of the actions I can not do without a consultant or until I find someone who will prompt So in the near future I will try to understand what is easy for others. I am a former electrician I worked on a business trip on a gas pipeline also on an oil refinery I know the job I thought it was necessary to send you this information because you are collected and take seriously what comes your way as Russian people don't do it for a long time or don't know how to do it and there are those who don't intend to do it at all years and there was dissension in this country which led to our brigade ceasing to exist also my grandmother was the head of the planning department of the department of trade management.

Ahuda G

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Verified Reviewer
| map-marker Sehore, Madhya Pradesh

They decided I cannot name a charity as my beneficiary