Capital One Customer Service Complaints - page 2

I was charged a $40 past due fee for paying my bill the same day which was processed by the company the next day. I called and spoke to two individuals who clearly told me that the fee cannot be waived. It doesn't matter if you pay your bill on the due date and miss the cutoff by 5 minutes, capital one will hit you with an excessive charge. Do not sign up for this card as they will put you in more debt. I am very disappointed as a loyal customer who's always on time and sends in more than the minimum payment due. They refuse to acknowledge the customer and don't make an effort to help in those tough times that we are living. I refuse to be a customer again after paying off my debt.

If you are a primary account of Capital One and in an abusive marriage currently working with the women's shelter to leave a mentally ill and dangerous man please know they will in a heartbeat side with the abuser and freeze your money without warning. I am a stay at home mom, who fosters dogs and runs a dog daycare business of my dead beat husband because he has failed our family and chose drugs over us. I am devastated. I have any and all supporting documentation of my innocence but they have closed my account and will not speak to me only him because he said I am doing illegal things.

This trash A** company. Never Again. Got approved for a card they attempted to send out atleast 4 times, one to a different location just to see if that would make it through. It didn't, I wasted months trying to get this card in my hands. Theres no compensation or no way I could get the hard pull off my profile. Just a COMPLETE WASTE OF TIME. I will be sure to be spreading negative word of mouth promo for this bad company.

They solicited me for a $50K line of credit card, with 7% cash back if I spent $50K in 6 months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend 50K in 6 months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by creditwatch they filed a past due report on me after 4 months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. THIS KNOCKED MY CREDIT SCORE DOWN 170 POINTS. IF YOU VALUE YOUR CREDIT SCORE STAY AWAY, WORST EXPERIENCE EVER!

I contacted Capital One customer service to dispute a charge on my credit card. The item I purchase was not as expected and the seller was not responding. The lady who answered my phone call was clearly "not American" and probably working in a call center in India or one of those places. The background noise was extremely loud and her accent was so thick, I could barely hear and understand what she was saying, especially when she says anything outside her "script". She said to dispute the charge, I would need to provide evidence and I said I could provide evidence needed right away. She said Capital One is going to send me a letter where I will need fill out questions and provide the evidence. I will receive the letter in 7-11 business days. What kind of backward technology is Capital One working with? Other credit card companies will have the representative send you an email right away and you can provide the evidence directly on the email. American Express will even directly reach out to merchant first before asking you to provide evidence. Why can't Capital One reach out to the merchant first or allow me to provide the evidence in an email / account. This is insane, what happens if I don't receive the letter or it gets lost in the mail? She then proceed to mention that if I don't respond to the letter or respond fast enough, I basically give up my dispute. Capital One clearly want to drag out the dispute process as long as possible so you even forget about the purchase and let it go. This is not right, I will close my Capital One credit card by the end of this year. This customer service is trash and worst I ever encountered.

I went to make a purchase today I received a text asking if it was me I said yes the card still declined I call them they say it's cause of suspicious activity even after replying to the text saying I was making the purchase. I go through all the charges and verify they are from me they say I can use it. I try to make the purchase again still declined I call back again and was told the system detected fraud and deactivated the card a few days ago. They never called emailed texted nothing just waited until I tried to make a purchase and call them to see what's going on and then tell me it's been deactivated a few days ago. I told them I just talked to someone they said it was good to go now they say nope we have to send you another card even though I confirmed every charge. They don't even know what's going on one says it's able to be used since I verified every purchase and the other saying it's been deactivated for a few days now. They can't even get their stories right. The deal is that if I made this purchase today I would receive a $600 discount I told them that and asked if they were going to credit me $600 since they just screwed me out of that since I'm not able to make the purchase today they just said nope not their problem the system detected fraud so not going to do anything but send you another card. I have auto pay set up on a lot of accounts with a couple coming up in 2 days but the new card won't even get here in time plus now I have to go through and change the card # on all the auto pay accounts set up.

if i could give 0 starts i would. horrible horrible horrible. i requested a new card over 3 weeks ago SPECIFICALLY for this week/weekend as I have wedding appointments and expenses. after 6 biz days-no card-i called and got "im sorry, idk what happened but it never mailed, no worries we will mail today"....6 biz days later-no card-i call again and get "wow idk what happened, i see you made the request 2x, but it never got in the mail, let me send it out today". 6 biz days later-no card- i call and am on phone for 53 minutes and all i get is "im sorry but it just got mailed this morning". HOW?! i specifically needed this card for this week and now i wont have it until next week (allegedly). i have no faith i will ever receive this card. and even if i do, its TOO LATE. if you are looking for a credit card company to trust, RUN RUN RUN. do not use capital one unless you want a customer service nightmare. HOW HORRIBLE can you be to not put a card in the mailbox THREE DIFFERENT TIMES?! is it really that difficult of a job? and to top it off-nothing has been offered to me. nothing has been offered to me to keep me as a client or to keep me happy. no rewards/points/etc. all i keep getting is "oops sorry". keep your apologies because they do not help me or my wedding week at all. I HATE THIS COMPANY. and i will continue writing truthful reviews until i am given the proper attention and customer service.

This company is way too much you call more than four times a day at this point I feel like I'm being harassed. You claim your not open on Sunday yet you call four to six times on a Sunday. I swear when I'm done paying you off I'm never coming back to this company I tell my friends and family to stay away from this company. Customer service is great but they can only do so much.

Your customer service an Asian female that I heard in the past arguing with a male I do not know if she is your best worker not good I have been trying to pay my bill the woman was not work ready I had a code to give her as to my problem my account need financial verification I recent moved and have several accounts that needed address change everything go to the site site not working properly still no help my bill is not paid financial info not verified waited for my survey I guess the customer service knows how to block that too.

The hardest compant to reach on the phone i have ever encountered, appalling.

Please don't send any more applications had you all before and paid you off. Tried to get a card and was turned done. You send any more it will get ugly.

The customer service representatives while they may be pleasent, have such a strong foreign accent I can't understand them. I am only asking simple questions like my interest rate. The prerequisite for the job should be to speak clear English.

why we need to call Philippine to get our issues resolved with capitol one credit card ?

Although I was appreciative of the Auto loan provided from capital one the most Frustrating aspects of their service is the automated aspect. You are required to either provide an account# or a Social Security Number. There is no other option in which to speak with a live person.

I cannot get to customer service without a card. I need to resolve an account paid off 3-4 years ago

Another victim of credit fraud, someone took my maiden name and opened many cards with my social and yet I cannot get Capital One to remove the hard inquiries that are affecting my credit score. All card/bank companies willing to work with me but the one I am ironically an actual customer of, Capital One. Instead of just flat out telling me to go fly a kite, they are worse, they say, "we'll look into it," or "don't worry, this will be taken care of." only to have them make empty promises and "disconnect" the line or never call back.

I am currently a victim of identy theft that involved my capital one checking & cedit card account since November..know one has helped me recover, and your institution keeps charging me more fees.

Years ago, I had Capital One cards. They took every opportunity they could to add fees which sent me over my limit so they can add more fees. They were absolutely horrible. I swore I'd never get another card. Now they employ Samuel Jackson who is clearly a racist as their main spokesperson. I will never, ever have a Capital One card in my wallet again. I say cut them up and find yourself a new bank.

I've had my Capital One secured card open since June 2015, every payment that I've made has been placed on a hold. I made a payment on 09/11/2015, on 09/14/2015, I chatted with a rep who told me that my hold would be removed on 09/15/2015 8am ET. On 9/15/2015, I checked my available credit at 9am ET, no available credit. I called and spoke to a representative and she stated that she needed to transfer me to an ACCOUNT SUPERVISOR. This lady was AWFUL. I attempted to inform her that I my bank account is an international bank account from when I served in the military and that they would not be able to call, I would have to call the bank with them on the line LIKE I"VE DONE EVERYTIME BEFORE THAT. She became really confrontation and started to speak down to me. I went right back to her (now when I think of it I shouldn't have allowed her to bring me to her level) with the same animosity that she was showing towards me. I then asked her, what would happen to my deposit if I requested to close my account, I was IMMEDIATLEY without warning transferred to REP MFP883, he came on the line ready his script. I informed him that I did not need any of that information, I just wanted to know what will happen to my deposit IF I CLOSED MY ACCOUNT. The call then dropped mysteriously. Nothing was agreed upon on my end. I NEVER authorized MFP883 to close my account. I called back immediately and to my horror, the automated system said my account was closed. SINCE then I have spoken to NUMEROUS reps, sups, whatever else you can think of and NO ONE can resolve this issue. I cannot for the life of me understand how ones account can be closed without approval. I've worked at Capital One in the past (2009-2012), we were NEVER allowed to close someone's account unless they agreed to the terms of the close request. I was never informed of any disclosures, when MFP883 came on reading his "disclosures" he was interrupted by me and I informed him my intent was not to close the account, I just wanted my question answered about my deposit. I understand that I may not have million or even thousands on hand, I am a very TINY fish in the POND that Capital One caters too but im a consumer and should be treated as such. I now have my account closed, my son's daycare will be charging the account any day now, I cannot change payment method's because it was already processed and I have ZERO answers from CAPITAL ONE on how they will resolve this issue that THEY (MFP883) created. I've called the executive customer service team 703-720-1000 and they are supposedly looking into this. I just decided I would share this horrible situation. Hate to complain but I also HATE to be treated unfairly..

I just started using Capitol One Visa & I had a question. So far, I have been on hold for high call volumes for 30 minutes!

Just called Capitol One customer service and after waiting a VERY long time they answered the phone by saying "Good Morning". I asked where he was as it was 2pm where I was. He said oh, sorry good afternoon then or is it evening there? Totally clueless! Trying to make a paymennt over the phone as I cannot get online access like some of the other reviewers previously said. They could not find my card so I could not make a payment. So ridiculous - I did not have these problems when my card was Discover.

The Cap One call center in the Philippines was an absolute nightmare. To get my wife's card activated was literally 2 hours ending with me supposed to send my wife's identification, social security card, and utility bill... to some representative in the Philippines? Seriously? I'd rather just cut the card up than send my wife's US documentation to another country via email. To require such a thing is absurd, especially when the rep was so painfully rude on my first call. In subsequent calls no one seemed to act like her actions were offensive, instead I got responses like, "Yeah I know how that is I deal with it all day too".

I had applied for a loan, and gotten turned down. I have received phone calls several times a day for the past two months in regards to the application. I have requested at least five times to be taken off the list as I have gotten what I needed else-where and I am still receiving phone calls. I am at the point where I am considering filing a harassment charge if they continue to contact me.

Can no longer make a payment online! This has been going on for several weeks. Worst IT / Developers I've ever experienced. They should hire some other banks IT team to get this fixed, but instead they just let it sit there broken!

Capital One will decline transactions on the pretense of "fraud prevention". Most Issuers will contact you via your chosen communication channel and ask if certain activity is valid. CapOne just declines the transactions. We were ordering some electronics on line and Cap One decline our transaction. The next day we get an email asking us to call in and verify the trans. I did and then CapOne wanted me to go to the merchant myself and reprocess the trans. Why am I required to correct CapOne's mistake. Then over the next 3 days CapOne repeatedly declined this transaction that we had already stated (on multiple calls) was valid. In the end we had to use a different Issuer card which was a MAsterCard and our CapOne card is now locked because of all the ERRONEOUS fraud flags. Time to cut up CapOne. A card that has great rewards is useless if you can not use it. An Issuer that cannot service there customer even when the customer follows CapOne's own requests is not an Issuer you should want to do business with. After this experience I had several peers tell me they have had similar problems with CapOne declining legitimate transaction with out any notice.