Capital One

I received an offer through the mail for an 18-month zero APR, so I applied online using the information from the mail. However, after about 5 months, they began charging me fees for not paying the full amount owed, even though I was paying more than the minimum amount required.

In response, I called them several times. Despite my efforts, I was told there was nothing they could do to change the situation, and they offered to send my feedback to the company. However, who cares about feedback? There are plenty of credit cards out there offering no fees in the first year or two, so I would never have signed up for this one if I had known they were going to charge me interest!

Stay away! This is a misleading offer with poor marketing and useless customer service.

Capital One's response states that the letter dated July 18, 2024 needed me to send my personal identifying information through the USPS which is an unsecured method of validating information because Capital One has "enhanced security measures." Secondly, the fact that the letter dated July 18, 2024 has my mailing address and name on it and I responded to this letter dated July 18, 2024 through my Better Business Bureau complaint is in fact validating my personal identifying information because the letter dated July 18, 2024 was received by me to add to my BBB complaint. This also confirms that Capital One did "IN FACT" have my personal identifying information in their database as I stated in my complaint.

Further, Capital One upgraded one of my Capital One credit cards to a QuickSilver Platinum (0514) card recently just after my BBB complaint. I also mentioned a Capital One letter regarding my WalMart Capital One credit being upgraded to a QuickSilver Platinum card on October 31, 2024. All of these documents including a front/back copy of my recent upgraded Quicksilver Platinum card ending (0514).

Finally, as my BBB complaint stated Capital One had my information in their database for ALL MY CAPITAL ONE CREDIT CARDS, they confirmed my identity through their July 18, 2024 letter which WAS RECEIVED because it was attached to my BBB complaint, and Capital One has "ENHANCED SECURITY MEASURES" but expect me to send my PERSONAL IDENTIFYING INFORMATION THROUGH "UNSECURED" MEANS. Richard Fairbanks CEO, Capital One has a LinkdIn account so I will be sending him all of this complaint with supporting documents, I will also be complaining on as many online reviews, complaint sites I can find because I believe ALL CONSUMERS SHOULD BE AWARE OF HOW CAPITAL ONE RUNS THEIR BUSINESS AND EXPECT CONSUMERS TO EXPOSE THEIR PERSONAL IDENTIFYING INFORMATION WHEN THEY KNEW FULLY WELL IT WAS UNNECESSARY AND CHOOSE TO HIDE BEHIND "PRIVACY" BUT INGNORE THEIR CONSUMERS "PRIVACY" WHEN REQUESTING INFORMATION FOR THEIR "ENHANCED SECURITY MEASURES!" I requested the HARD INQUIRY be removed from my credit reports and Capital One for all of their harassment and they denied it.

Capital One Reps/Managers,

JC- kjh599, spoke to on 03/16/24, very polite very empathetic but did the best she could) had to escalate to escalate to supervisor Mary- lsa222, who also did a great job with helping me follow the process on the things I need to send in and set proper expectations

03/26/24

Ivy (lied on call to tell me what wasn't there when evidence was provided and she looked at nothing), then when escalated to Manager Sam (was very argumentative on call, did not look at anything before giving me proper evaluation and gave me no options to address concern (Before 10am)

03/28/24

Sherri (verified evidence and supervisor that validated evidence)(415pm), Manager Mel (took over an hour to review evidence just to not resolve anything or honor my request to dispute my charge as requested. Ridiculous amount of time wasted while being at work when it seems like he was purposely dragging along the time until he got off of work(430pm)

Kat, lied on call to tell me I never spoke with a manager but never took a look at any notes until after the fact and then escalated call since it was evident she wanted to do the bare minimum (830pm)

Adis, Manager (855pm)

Olh614.

What a huge disappointment to have this many working for such a company. Refused to give me any information about the time frame of notes on file and was very combative, argumentative. Extremely unprofessional on the call and he should be investigated and/or fired after you take the time out to listen and review the call that took place as he painted me out to be someone who was trying to get over when that is not the case. The call felt very targeted and discriminated through his tone.

He was extremely aggressive with his tone which is unnecessary and disappointing to have with the company when as a customer I was trying to work with someone to get my issue resolved

Ricky, Pkk405, this man should get a promotion. He handled himself with professionalism and was empathetic. He knew exactly what to do and provided me with vital information as to how we can try to make the issue try to work out for me in my favor

Was told by multiple agents and mgrs (including Ricky) that my evidence was validated on the 16th and on the 19th of March which is also why I received the provision credit twice. So I do hate that I have to write to the corporation of the matter but I am trying to make sure I stick around to be a customer with Capital One because how this experience has been going for the people who have lacked, now has created tension with me as a paying customer and this is mainly with your management team.

I need this to be rectified as I have even decided to stay with this company when upgrading my card to the QuickSilver card and was looking to upgrade again but if this issue is not resolved and your company is not willing to be on the same page since one set of people are doing the work to help their customers and the others are not alongside of handling their customers in an extremely unprofessional and uncomfortable manner then we have a huge conflict of interest. Feel free to give me a call or email me at the contacts that will be listed below. Thank you and have a blessed day

04/02/24

Eman, (8:30pm)

Once again another agent asked me to provide documentation that I have already implemented into the system/link that the company asked me to provide. I am very unsure why we are back to square one with this situation.

As when addressing the concern, the agent did not provide any sound information as to why. He stated I should resend in my documents when he seen everything that I've sent in as the company has asked for me to do

Eman warm transferred to an unknown manager and the manager did not state his name nor did he say much on the call. The call magically disconnected and that was my last straw with the company so as a reference to the corporation I genuinely hope you resolve this matter as I will no longer be a customer for Capital One. You can go back and fourth with RIU Palace Pacifico as they will not get any money from me and Capital One will NEVER attain business from me in the future as this matter was handled poorly and the company has a lot of work to do as their frontline workers and management team are not following the same policies and procedures.

Please look into the calls on the days listed with the front line workers and managers that I've spoken with. The company is welcome to alleviate me from the potential charge that I am disputing that I did provide substantial amounts of evidence for as the dispute department did not do their job to fight for their customer

Let it be known that Capital One and RIU resorts will come to an agreement to address the charge between each other because neither company is going to receive a penny from me

My Capitol One Credit card is in good standing, even usually with a running credit balance. Last week I tried to purchase several bottles of wine from a New York State Finger Lakes Winery which I like a lot.

The online purchase failed but did not provide any reason for the failure, so I ended up calling in a phone order instead. The winery placed the order to be charged to my Capitol one Card and it was declined with a cryptic message "transaction limit reached".

I later called Capitol Ones and was informed that the card was locked for suspected fraudulent activity (DUH, yes, my attempt tp purchase the wine). OK, I understand that there needs to be some security checks. I had to go thru hoops on the phone with customer service to prove that I am who I am.

Process took about 20 minutes. I was assured that the card was unlocked and that the charge would now go through OK.

I called the winery back and the card declined AGAIN. Once more I called Capitol One customer service and got the same talking points: card locked for suspected fraud. I complained that I was JUST assured that the transaction would work.

They had no answer but to put me thru the same hoops and verification questions again, another 20 minutes wasted. They gave total assurance this would now work.

Well, guess what? Another try for a phone order several hours latter and the card declined a third time. And the winery probably thinks I am a con artist.

I ended up buying wine at a different source using a different credit card.

A day later I figured I had to call Capitol One back as now my card was locked for any use given all the declined charges. This time I asked to speak to a supervisor. Bad move. I had to go thru all the same hoops PLUS more including a demand for photos front and back of my driver license.

I was not happy but I complied. Once again they said everything is fine to try the charge again... I told them too late, I made a different purchase elsewhere with another card. This last time I was tied up at least 45 minutes with them, repeating the same verification questions plus more.

I do not plan on using CAPITOL ONE again, but will keep the card open as contingency only.

I totally understand the first security/fraud check, but I cannot understand how the card declined three times for "fraud" when I went thru their verification and told them in advance I would be making the purchase.

They never apologized once.

I told them I was a very unhappy customer, and continue to be a "Pissed Customer". -- Ginny B Cranberry Twp, PA

After being accepted for a credit card with a $30k limit, I used it to charge for about a month. No problems occurred.

I booked tickets and traveled to a foreign country. Again, no problems for a few days. Then it abruptly stopped working. No notice was given, it just stopped.

The app and account just displayed 'restricted'. I called to get the restriction lifted, thinking they had flagged a foreign charge as fraud (they claimed it was unnecessary to notify them about my travels), and they requested: copies of my passport, birth certificate, social security card, utility bill, and more, all while I was traveling. This was non-negotiable; they could not accept anything other than all those documents.

Capital One seemed perfectly content to strand me in a foreign country with no credit card, despite having successfully processed charges for over a month, and for several days while I was abroad. DO NOT USE.

After being accepted for a credit card with a $30k limit, I used it to charge for about a month. No problems.

I booked tickets and traveled to a foreign country. Again, no problems...for a few days. Then it stopped working. No notice, it just stopped.

The app and account just showed 'restricted.' I called to get the restriction lifted, thinking they'd flagged a foreign charge as fraud (with no way to tell them that I'm traveling, they claimed it's unnecessary), and they requested copies of my passport, birth certificate, SSN card, utility bill, and more, all while I'm traveling. It's non-negotiable; they cannot accept anything short of those documents.

Capital One was perfectly happy to strand me in a foreign country with no credit card, despite me having worked and processed charges for over a month, and several days of traveling. I highly advise not to use their services.

3 years ago, I was rebuilding my credit from the mid 520's. I had to purchase a prepaid card and start from scratch.

I wanted to open another account to help open more lines of credit and establish history with Capital One. Their interest rate was absurd at 32%, but I didn't intend on using it. However, life happens, and I was in a situation where I was forced to use the card, so I had a roof over my head. The entire time I have had this card, I have had a 100% payment history, sometimes paying more than necessary to get ahead.

I recently called them asking if they could lower after paying them religiously on time ever since I have owned the card. They told me the interest rate is determined by the Federal Reserve and will not budge below the 32% interest rate that I was given when I didn't have the best credit. A simple Google search shows the average interest rate for good credit is around 22%. I did just purchase a car and have never missed a payment on anything within the last 3 years.

My score was in the excellent range at Hoffman Ford when I purchased my vehicle.

I realize credit companies do not have to lower their rates, but on the flip side, they can lower them for loyal paying customers. If you are in desperate need of a credit card, go for Citibank as Capital One cares nothing for their members undivided devotion to payment.

My Wife and I recently became Capital One Quicksilver card holders. And I've never had a Worse experience with an Awful Android App which doesn't work more then 98% of the time.

Then when I went to pay off my balance in full the first time, they blocked it and it took almost 3 weeks to resolve it. After that finally got taken care of and it was time to pay off my balance again, this time they flagged it and said it looked suspicious even though it came out of the same account as before. I made it clear this was not okay and they are going to lose my business over it. They just blew it off and didn't give a crap.

So soon as they complete their "Verification", I'm closing the account and moving on from them. Don't get Capital One...they are a complete waste of time and money.