Luc K Hjf

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Useless card, ridiculous credit line increase policy

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Almost 3 years customer, always paid on time in full and BEFORE even due. 6 figures income and a flawless 780 score, own my home free and clear, no debts. I applied for a credit line increase; they generously offered me...$100 ! Yes, you read it right: $100!!! Customer service serve no purpose. This company is a joke, don't even bother applying, you wasting your time.
View full review
Pros:
  • Easy to get card
Cons:
  • Very low limit

Preferred solution: Proper attention and seriousness when requesting a credit line increase.

User's recommendation: Look for a serious credit card issuer!

Anonymous
map-marker Riverside, California

Horrible Customer Service

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
I just got off the phone with Jean (ID #IWX471) who was in base in the Philippines. She was so heartless and did not even try to empathize with my situation. My bill was due Sept 21, 2003 by 8pm est. Time -- I paid that day by 8pm west cost time. They took the money out my account that day (the 21st) and they would not reverse the fee. So I just closed the account because I have other cards that function on EST, but they will reverse the charge if you make it that day. Capital One is just an *** and it reflects in their policy and employees -- I will never get another credit card with them.
View full review

User's recommendation: Do not get a credit card with them.

Samira B Qnd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Charlotte, North Carolina

My account is locked

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

I deposited a check on 10/23I called and I left a message on Wednesday 10/27 because my account is locked and I cannot get back in it says the check was deposited they was suppose to call me within 48 hours it is pass 48 hours and I have not gotten a call yet.. can you please tell an agent to call me ASAP so I can unlock my account and move the deposit elsewhere this is ridiculous to not hear anything back at all.

Every time I call I have to leave message and no one calls me back!!! This is the only way I can reach someone my job says the check has been deposited and I cant do anything pay bills or nothing

View full review
Resolved
Simone C Hmk

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Resolved: Dispute

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user Nov 09, 2023

Company fixed the issue and I have been provided with apology. I was given temporary credit while they finally decided to investigate my claim

Original review Oct 25, 2023
Capital One bank is refusing to help me recover my funds that were in error deposited in the wrong PayPal account. They were immediately made aware of the error along with PayPal.

I followed all of their requests, yet they chose to treat me with complete disregard! The customer service representative that opened my claim was rude and distracted. That set the tone for how my case has been handled since that date of 10/13/23. I have accounts with Chase Bank as well.

I never experienced anything close to this utter disregard for customer care, security, rights and protection. I can understand why they have so many lawsuits against them.
View full review
Loss:
$500
Cons:
  • Dont follow government regulations
  • Bad customer service
  • You cant escalate your claim to higher authority

Preferred solution: Full refund

User's recommendation: Do NOT use Capital One

1 comment
Guest

Why is it their fault if you had funds deposited in the wrong PayPal account? The bank has no authority to go in and take that money out.

Simone C Hmk

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Poor customer service. They have no concern for protecting their customers money!

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user Nov 02, 2023

Capital One violated Regulation E that protects consumers from electronic errors. Everyone should take notice of this.

I now understand why this bank has been sued in class action lawsuits.

They don't protect their customers! I think their customer service is a sourced...

Original review Oct 25, 2023
On 10/9/2023 I was attempting to make a transfer from my Capital One bank account into my PayPal account. Once the transfer was complete, I noticed my PayPal account didn't fund immediately as it should have.

I called PayPal customer service, they asked me if I keyed in my email when I deposited the funds? I said no, I was logged into my account, I just typed in my name and pressed send! The agent informed me that it was likely the funds went into another account holder's account. She would have to search for it.

She also said I needed to call my bank, so they could possibly stop the payment or be on the alert. Two seconds later, she found the account the money was deposited into. The account holder's name was indeed the same as mine but a different email. The PayPal agent stated she could take the funds back because it was a person to person transaction.

However, my bank would definitely be able to help me by doing a chargeback. I called Capital One, I spoke with a very nice customer service for representative. She said no action could be taken at that time because the transaction had not posted. She said she would note the call and I should call back in a couple of days to see if the transaction actually does post to my account.

Furthermore she said, then it won't be any problem getting this taken care of so don't worry! I called back when the transaction posted thinking it would be no problem, that's when the nightmare began! I spoke with a very rude representative who opened my claim. I could hardly understand her because her accent was very profound.

She spoke very abruptly and distracted. In the background it sounded like she was in her home multitasking between her job and her chores. I have no idea what she documented as my statement of the incident. The only that stuck out is her saying it likely takes 5 or 6 months for me to get my money back on a simple $154.65 claim I was dumbfounded!

From 10/13 to this current date I have contacted Capital One bank and PayPal every other day trying to resolve this matter! I'm mentally drained and angry that something like a simple mistake can cost you to lose your money. There two entities that have the control and both are saying it's no my problem it's yours! In the meantime I'm the human being that has bills that need paying.

It's my credit report that's being negatively impacted! What about the federal laws that are supposed to protect my rights as the customer! Why am I being trampled over here? I really don't understand how Capital One can get away with this!

I'm totally pissed! They have turned this $154.65 into over $500 with payments and late fees that are due to my creditors.
View full review
Loss:
$155
Cons:
  • Does not listen to customers
  • Does not value customers
  • Poor customer service - poor current customer website

Preferred solution: Full refund

User's recommendation: Find a different bank

2 comments
Guest

"What about the federal laws " They don't protect fools who think it makes sense to make a money transfer based on nothing more than a name. Your beef is for the person YOU sent the money to.

Why should C1 front you cash after you messed up royally? You need to continue to work with PayPal and hope the person YOU sent the money to returns it or forgets the money.

Your fault.... By the way, "no" is not poor customer service.

Guest
reply icon Replying to comment of Guest-2415953

Agree. OP must not have liked the truth of your comment. He ignored it and made a second post.

View more comments (1)
sallylastrina

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Hampton, New Hampshire

Their error but my credit is diminished and then they tell me it is up to me to contact the credit reporting bureaus they sent inaccurate info to? Their errors but I need to fix.

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
They did not post my Sept and October payments. They instead reported me as late and tanked my Hey claim it is up to me to fix at my bank - but itd their error. And then they claim itd up to me to repair my own credit. Service? They are nothing more than a do not fall center. Horrible business model. #BJs. They are representing you!
View full review
Kayela Gcd
map-marker Cobb, California

Can't make a payment on phone service line.

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
The service was unable to find any information that I entered and I pressed the star button for more options. The system wouldn't let you use options.find f
View full review

User's recommendation: Find a different way to pay .phone system dose not work. Have tried for 2 days to use, no luck.

Anonymous
map-marker Miami, Florida

I don’t have auto loan account

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
My name is Darline Metellus, I had an Account with Capital One Bank. And they card was stolen and my identity/wallet was stolen also, all those stuff happen because of my injury . I dont use capital one since 2017 if anyone opened any account on my identity using whatever cooperate or whatever organization its not me . On july 24, 2022 my wallet was stolen and I called police to report it but I just let the bank know if anything open in my name for credit or for auto loan its not me . Please
View full review
Nehemiah C Uus

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

General anger

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

My credit score was near perfect, and then I forgot to pay my Capital One credit card. I don't even use the card and keep it for emergencies.

Capital One charged me a $39.99 annual fee (up from $20), poorly informs me about my bill, and then reports me for a late payment. 200 hard-earned points are gone.

I have a new slogan for you... "Capital One, no longer in my wallet!" You guys should write some business articles... maybe "how to lose all your customers in 30 days." It would be worthy of the Harvard Business Review.

It would at least make a good case study.

Do you guys understand the lifetime value of a customer? You made $100 in late fees, but it cost you my business for life. Shame on you... Capital One.

You're a soulless corporation that puts profit over people.

You're just a payday loan company wearing a nicer suit. (This rant is directed at the decision makers, and is not directed at the underpaid employee doing his/her job).

Capital One sucks!

From a man that had to learn it the hard way.

View full review
Loss:
$100
Pros:
  • Spend money you dont have
Cons:
  • Credit card companies prey on the weak and desperate

Preferred solution: Apology

Resolved
Sheena W Alz

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Boston, Massachusetts

Resolved: They keep adding more money to my balance for no reason my payments are always early and on time

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

Today I received an email saying I was late on my car payment so I go on the app to see my balance and it's 900$s more than it's supposed to be this isnt right and this is every month so I find out these ppl charged me 38,000 on a loan that i thought was 27,000 but now theyre saying its 38,000 and the car isnt worth anywhere near to that today with or with out the interest which woikd be 13,500 according to the capitol one rep . Oh and it took me a year to get my credit score back up to a 740 bc these ppl ran my credit twice in a period of 6 months and ruined my credit score after using my bank info to approve me for the loan to begin with something needs to be done about this company midstate auto group Auburn ma they are crooks they never told me the car had a recall yo begin with and teo weeks after I yraded in my good working car for this pos this is what happened. Won't ever go back there again and I'm looking for a good lawyer.

View full review

User's recommendation: Do not give these people your info or $$

Anonymous
map-marker Star, Idaho

To see was i approved

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
I couldn't talk to a real person I only got the phone service and they couldn't send me to a real person about a preaproved letter I got for a auto loan it would of been nice to talk someone
View full review
TuRz-20_23.

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

*** & Nonsense

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

So back last november, the day after Thanksgiving, I took out an online loan from one of the websites and had a deposit into my Capital One 360 banking account direct deposit. The loan company put an extra in in my last name which is Hutchison and they spelled it Hutchinson and do you know from that day November 20 whatever it was until now Capital One has refused to release those funds to me and had that account locked because of the extra and in my last name!

So finally now September of the year after 11 months later I receive an email on September 1st letting me know the account had been closed and that a check was being sent to me with a 70-cent interest accumulation for the whole 11 months for $900.70. it is now October the 3rd or 4th I don't even *** know.

I still have not received this check. I moved back 3 months ago from the address where I used to stay and I changed my mail on the app as we're supposed to do you know they have sent two separate checks to the wrong *** address that I no longer live at and I was assured two weeks ago that the third attempt at sending a check would be sent in one to three business days and would have a tracking number and ask me why the *** I never got a tracking number and they sent it the regular 15-day mail whatever the *** it takes that I'm so over this *** company.

View full review
Loss:
$900

Preferred solution: Deliver product or service ordered

User's recommendation: *** Capital One

tyrone f Hbq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Waiting since january 2023

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Original review Oct 02, 2023
ive been waiting since the beginning of this year, with only a $30 reimbursement. this company is trash at best, i do not understand why this company is so delayed, it needs to be fixed for the sake of the customer. edit: i had spoken with someone who was an account manager and he had spoken with me rudely, telling me that they are not obliged to give a credit for something that they are clearly at fault for. i do not recommend this service
View full review
Pros:
  • You get a credit card
Cons:
  • You wait forever it seems

Preferred solution: more reimbursement for the delay with more given past friday october 6

User's recommendation: check in every 2-3 days on the process

Ahuda G

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Sehore, Madhya Pradesh

They decided I cannot name a charity as my beneficiary

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

This bank used to be good... and then, something bad happened.

Recently, I was led through a merry-go-round of codes and texts and phones and uploading driver licenses three times, just to be told that nothing could be done about it. All I was trying to do is add my husband, who also has an account with them, as the co-owner of our checking account! Idiotic programming or policies won't allow you to set up a joint account to start with, and then they couldn't recognize his phone, because both our cell phones were under my name. They would not allow it to be handled by mail, nor in person in their "café".

It finally resolved today, only for me to run into another brick wall.

Today I was trying to add my church as the beneficiary of my account. I did it a year or so ago with another account with Capital One, but then I switched to a higher interest paying savings account. Turns out that their current programmers or policy-makers (I am not sure which) decided that you could only name an individual, not an organization, as a beneficiary. So unless you can input a birthdate, the program won't allow you to proceed.

Seriously?!

I even wrote an email - a very polite one - to their corporate office.

Nobody ever responded! The nudge was ignored as well.

View full review
Pros:
  • Interest rates
  • Customer service availability
Cons:
  • Nigthmare programming and policies
  • Cannot accomplish simplest tasks
  • Customer service ineffective

Preferred solution: I want to be able to name my church as my beneficiary, and not be strong-armed to only name an individual with a birthdate.

User's recommendation: Find a more flexible bank

Janette P Qoq

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Braddock, Virginia

They stole money from my account

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

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.

View full review
Loss:
$884
Cons:
  • Steal money from customers
  • Fraudulent practices
  • Committing fraud

Preferred solution: Full refund

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