Capital One Overview
Capital One has a 1.6-star rating, derived from feedback provided by 200 customers. In the Banks category, it secures the 45th position out of 469 companies.
Rating
Contact Information
Website
www.capitalone.com
Phone
(800) 228-3001
15000 Capital One Drive, Richmond, Virginia, 23238, United States
Capital One Reviews
Mace
Pay bill
Couldnt pay my bill and I dont want to have to pay late charges the phones lines are not working I tried every number
Anonim
Horrible service. God forbid I can get a real person. Their phone menus don't work.
This bank has the funds to hire many real people to answer phones. Their phone menus don't work. When I go to a Capital 1 bank, I get the run around.Go to a credit union.
Lisa
Closed my account without any explanation
Original review Jul 31, 2023
I had a quicksilver Capital One card. Out of the blue those idiots decided to close the account without any explanation. That's unprofessional, silly and stupid. I'm glad there are other options besides Capital One because I will never apply for a Capital One credit card again. You actually get better credit cards through your bank.
Kathelyn
Just wants to know how much room to use
For now all is ok nothing to ask now all good .i just wants to ask no is want to know how much more available I can use?
Anonim
Past due fee
All the custom service numbers aren't working properly. I am unable to get my problem resolved due to not being able to speak to an actual human being!!!
Nininahazwe
Restricted/Closed Account
This past two weeks, my checking account was restricted and my savings account was closed. I have been calling and leaving voicemails, but nobody has gotten back to me and it is becoming frustrating. Customer service is just a robot answering the phone and when I am connected to an actual person, they transfer me to voicemail of another department. I have bills to pay that I cannot pay due to the funds not being available and I am being left in the dust. I would greatly appreciate talking to an actual person rather than a robot as I have questions they cannot answer. I want to know why my bank account was restricted, why nobody is getting back to me, and what I can do because I have bills to pay.
Ashy
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.
Manuel
Vendor fraudulently charged $104.70 monthly, I did not order, nor did they deliver. Cap One did not help me or stop the vendor.
Original review Jul 19, 2023
A vendor fraudulently charged $104.70 in a series of four months (9/16/22; 10/28/22; 11/2/22; 1/20/23) for something I did not order, and they delivered nothing. It was clearly a phantom charge designed to extract money from unsuspecting buyers, and delivering nothing. I reported this to Capital One. Instead of stopping the vendor for fraud (because vendor did this repeatedly), CapOne Customer Service told me that it is not a recurring charge so I should dispute each charge individually. Afterwards, Capital One said my 60 days are up so I need to take my dispute to the vendor but I got nowhere with the vendor. Capital One was in error in ruling in favor of the Vendor by not helping me stop the vendor fraud and getting my money back. I am looking at this as a pattern of repeated phantom charges but CapOne erroneously looks at it as individual unrelated transactions where I have to prove I did not receive any deliveries for each charge. I did not get my money back. This is wrong!!!
Timothy
Capital one sent me a refund check I cashed it now they said I owe it .
Some one else used my card they put a refund on my account .then they sent me a check .I asked them before I cashed the check will i get charged for this check .they said no .so I went ahead and cashed the check .now they put it on my account that I owe for the check .this is completely *** .so now it gets sent to collections. This is so so so wrong .don't trust what the customer service say to you from capital one .
Ashot
The account should be fixed and I shoud get an explanation letter
Ashot Khanamiryan 9:39 PM (8 minutes ago) Re: Account ending in 3613 Capital One Customer Service Attn: Payment Investigations P.O. Box 4908, Stn. D Scarborough, ON M1R 4Y8 I made an on-time payment of $200 CAD and money went to the collection center and on top of that outrageous charges were made. After many complaints for four months nothing was corrected. With this letter I am warning that if in 12 hours you will not put the money on my account and remove all fraud charges (ALL), the account will be cancelled and I will hold YOU responsible. This is entirely your fault - correct it... !!! YOU MUST ACT NOEW
Enis
Can't get a live person
I want to pay my Walmart Capital One bill. I have been calling for a week and can't get through I really need to speak with someone
Jessica
STAY AWAY!
Of all the credit card companies I transact business with, Capital One is the worst! They have terrible customer service who can not help at all when you call - they don't even try. I have had an account with them for over 20 years and I STILL can't get decent help with I call. STAY AWAY!
Nicky
Transferring funds out of a closed bank account
Updated by user May 16, 2023
Finally talked to someone. They are having me get ahold of the lady who wrote the check and have her call up there and verify the check.
Like I’m some kid or something. This lady was a customer. I don’t know how I would find her number.
But they didn’t seem to care you would imagine if it was a stolen check the 500 that has been taken out of her account would have been reported by now. But of course it hasn’t
Original review May 11, 2023
I deposited a check 3 months ago my accident. Soon after doing so I had my account closed. I was told if the check was to late to be stopped that they would transfer my funds to my attached bank account within 7 days. Its been 3 months and i havent had anything happen. Im trying to figure out whats going on so I can fix the problem I had by accidentally depositing this check
Joel
Terrible Customer Service and no respect for excellent customers.
Original review May 01, 2023
I have 2 CapitalOne credit cards, both with decent limits. One has been open for 8 years, the other 7 years. Neither has ever had a late payment, chargeback, dispute or fraud claim. Both are usually paid in full every month. Until about a week ago, I had never had any problems with them or the need to ever call them or deal with their customer service. Then, out of the blue for no reason, everything changed. Transactions on both cards were being declined. The first time I immediately called in and was given the non-sensical reason that the charge (for about $200) was not part of my normal spending habits! I have NO normal spending habits. They would not explain what that even meant, though it was obvious that they had put in some new authorization algorithm, which is obviously buggy as *** A week later, my car battery on my Mercedes died and need replacement. I called my road service company and they came right out to my home and replaced my battery. Then I gave them my other CapOne card and it was declined. Instead of calling CapOne on the spot to get it approved, I simply put it on my Discover card. Then, I called CapOne. Got a well-meaning rep in Columbia, but unfortunately could barely understand him, past the same spending habits reason. And, of course, the standard customer service line all companies say now, Were sorry for the inconvenience!. So, I got transferred to an Account Mgr, who was loud, rude, disrespectful and would offer no answers whatsoever, though she did have to admit I had absolutely perfect accounts. She didnt even bother to apologize for the inconvenience or the embarrassment the incidents had caused. I finally had my fill and told her to stuff the cards and cancel them immediately. She started interrupting and yelling again, so I simply said do it, have a good day, goodby and hung up. Obviously my accounts have been somehow incorrectly red-flagged and despite telling them to cancel, both accounts remain open, with the declined charges listed as pending, despite my having placed both on another of my credit cards with companies that treat me like a valued customer. In the middle of all this,I was also locked out of my online accounts and then treated like an idiot by their so-called tech team. Oh, did I mention it is almost impossible to call them. They print their phone number on the card in such a manner as being almost completely unable to read very tiny type, with white on a light gray background. Ridiculous. After being a perfect customer for 8+ and 7+ years, I dont need this aggravation, harassment and embarrassment and made it clear I wont stand for it. Of course, I have heard not a word from them since either incident. There are still many credit card companies that value their good customers. I will be dealing with them exclusively from now on.
Anonim
Unsafe practices and Poor customer service.
I tried to make a purchase on Quicksilver card I have had for over twenty years. I was using their eno virtual card feature. I never disclosed the actual card number to the merchant. The merchant is online and headquartered in Spain. The purchase was declined and the reason sent back to the merchant was insufficient funds. This was an incorrect code. The first time it triggered an email to verify it was a legitimate attempt at a purchase. I responded right away to the email. Two days later I tried the purchase again and it was denied again. I called Capital One customer service verified everything and they said it would work. Tried again-failed. Called Capital One customer service verified everything again and they assured me it would work. It failed again. When I called back they said my account was restricted and they could not help unless I uploaded my un redacted driver license. I was not comfortable with this. They said they would keep it for seven years. I offered to have a letter or a proof of identity affidavit notarized but they would not offer any alternative solutions. They could not answer any questions about how uploading my drivers license could prove it was me. If someone stole all my credentials they could have just as easy stolen my drivers license. I did upload a redacted version to prove I had it but it wasnt accepted.
Denise
Pissed CC Customer
I have been with CC since 2015 with multiple CC and Checking accounts. I became behind on one of my CC, which I admit, I paid off my $1149.00 balance to 0 last night via my cap 1 360 checking account, the payment cleared last night and posted to my account with a 0 balance, when I looked at my account this morning it said "restricted" and to call customer service. I did, and they said "Thank you for paying your balance off, however, your account has a permanent restriction that can not be lifted," I said "Why, I was NEVER notified that I had a restriction on my account at all", She placed me on hold, came back and said " Unfortunately, your account is not elegiblr=e for a lift because you were not enrolled in (inaudible) restriction program" I said " WHAT program" I have no knowledge of any program I should have been enrolled in when I opened this Quicksilver CC account in 2015" I have no idea what you are talking about. She again said, I understand your frustration but it is a permanent restriction, you can APPLY for the card again"! I said so this means my account is closed? She then said "No it is open but not for use," I said, "Are you seriously telling me I just used 3/4 of my paycheck to pay off this balance for you to say I can't use this card and I can APPLY for another one"!!! This is absolute *** I am soooo angry at Capital One right now!!! I have been a good customer, with multiple accounts, but never had an account closed, ( this one is not closed either BUT I CANT USE IT!! I am BEYOND UPSET and EXTREMELY DISAPPOINTED in CAP 1- I believed in them so much that I closed my Bank of America account and opened 2 360 checking with savings. I am so angry that I will CLOSE ALL of THEM and return with BOA. CAPITAL ONE SHOULD BE ASHAMED OF THEMSELVES- YOU HAVE A LONG-TERM CUSTOMER USING YOUR PRODUCTS (MAKING YOU MONEY) TO ROB ME AND TAKE AWAY MY PRIVILEGES FOR A MINIMAL MISTAKE, AND FEED ME A LINE OF *** THAT I WAS NOT ENROLLED IN A "RESTRICT PROGRAM" WTF DOES THAT MEAN. SO MANY PEOPLE DO NOT PAY OFF DEBT, YET YOU WANT TO PENALIZE A LONG-TIME CUSTOMER WHO DID. I WILL BE REPORTING THIS TO THE BBB ALONG WITH EVERY DAMN REVIEW SITE I CAN LEAVE. I AM NOT RICH AND LIVE PAYCHECK TO PAYCHECK LIKE MOST, I DO BELIEVE IN PAYING WHAT I OWE- I DID THAT, BUT WAS FED A *** SCAM.
Robert
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.