Capital One Customer Service Complaints - page 3

I'm glad to have however this card.It should not take seven to ten business days to clear. Anyone else have to wait? Pymt in full on the 26th and still waiting to clear. I just want to know if this is prodocall? Anyone? Thanks again i sure am glad to have this. It's has been so great to help build my credit. Great to be apart of something so good. It's a God, send, remarkable service and a credit to the credit card world. Customer service is like no other. Bless you one and all. s scott

After 30 years. I am closing all my accounts, personal and business as well as debit and credit cards because Capital One Customer Service has gone down hill and fast. Specifically, the bank manager makes promises and doesn't keep them, ignores personal concerns, abuses his perceived power.
Making calls to "customer advocacy" takes a half an hour of transfer calls to people who DON'T CARE. This word must travel fast to any potential customer. AVOID CAPITAL ONE AT ALL COSTS or it will cost you.

Wife passed away 31, Oct. 2015. Have tried to close card, to no avail. I got most(3) billing changes to our home address, so card was clear. Sent death certificate, then I got a noticed that they were sorry that I died!!! I denied 2 charges made in Jan.'15 on her card, they said no, and charged late fees on top. Their customer service is horrible, not in USA, it is in India. I recently sent "my" bill for time I spent on this, I have a hourly rate, they refuse or deny bill, make a small claims against them. They don't show, I turn them in to Eqifax!!! I do not want to do anything with them, if they die on the vine today, I would NOT care..Capital One just go away... JWM

Applied for a card for my wife they sent it and immediately we could not use it. They said that they suspected fraud and needed to verify. I tried to help but they said she had to do it (which made sense and I was ok with) but then they began asking her questions she would never be able to answer or the data they had was wrong.
Then they said send proof of ID and address. We send it and wait, wondering why it is such a pain to get this card... two weeks later and multiple calls, they still can't figure it out. Every time I call we have to start over. They are nice enough but have no Idea what they are doing. The frustrating part is they won't even cancel the card till they have verified...

They say it is to protect us,... It is not worth the effort. Discover card protects me fine and always knows what needs to be done. I normally would not waste the time to write a bad review but they have wasted so much of my time, this is nothing as I continue to wait for them....

I have various C.C's but have always used my capitol one exclusively, I have been very loyal to the company, have paid every bill on time, in full, every month. There were 2 charges on my bill this month that I have no receipts for and I don't recognize the company name as anyone I've ever done business with. I called capitol one and asked for more info....the rep was rude, hostile, ignorant, and said: I have no information to give you on those charges and I've now shut your card down, you can no longer use it. I did not ask to have my card cancelled, I was merely asking for info on the 2 unknown charges. I WILL NOT be accepting a new replacement card from them, I will not be doing business with them EVER AGAIN. I will now switch to using one of my other c.c.'s, and capitol one has lost a great customer, whether they realize it or not. They're staff are rude, hostile and ignorant for absolutely NO REASON. If I had been rude to the rep first I fully expect they'll respond in the same manner to me but that was not the case. This guy was the most hostile person I've ever spoken to in my life, and for absolutely no reason. Then I asked to speak with a manager and I had to ask 3 times before a "supervisor" came on the phone, and basically said she has no authority to do anything to resolve this matter, except send it to a manager (which is who I asked to speak with in the first place). Why would you even have supervisors if they have no ability or authority to resolve a matter. All I got from her was condescending apologies and there-there's, in an attempt to patronize me. I'm not a 7 yr old, and I don't need to be treated as such. I expect to be treated in the same professional and courteous manner that I have spoken to them in. I would advise anyone reading this, if customer service is important to you when dealing with your credit card company STAY AWAY FROM CAPITOL ONE. They are horrible. No matter how good their cards are, their customer service is severely lacking and the reps will defend the company to the T because that's what they're told to do or because they know they are the ones creating the customer service problems to begin with. I am cancelling my HBC card, my capitol one cards and all other cards or business associated with this company. I'm done giving them my business and I will share my story with everyone I come in contact with in an effort to encourage others to not do business with a company that treats you this badly.

CAPITOL ONE A COMPANY NOT TO BANK ON . A few years ago I had a Capitol One CC for my business, I used this account for a decade. My bank sent a check automatically every 30 days to cover the minimum, this allowed me to pay the balance at my leisure and was usually paid in full two to three weeks after the automatic bank payment. So I am traveling and I check into a hotel and my Capitol One card gets rejected. I call Capitol One to find out what the problem was, they told me I was late on a payment. The Balance on my Capitol One account was Fifteen Dollars, they had received a One Hundred Dollar check and another check for over Two Thousand Dollars within three weeks of this phone call. They refused to reactivate the card until I could make the fifteen dollar payment, they actually said that this was due to a new Massachusetts regulation. They had no problem leaving me stranded, fortunately I have an outstanding credit rating and used another line of credit. Now they send me junk mail five times a week telling me they want my business, what a joke. Vote with your feet when you get bad service from a company.

When I attempted to buy a gift card in Baltimore, my purchase was declined 4 times. Upon calling Capital One I was given the reason for the purchase being declined. It was because I used my card in Virginia the previous day when I rented a car and then used it in another state, Maryland, the following day which is inconsistent with my past purchase history. When I was able to verify my card was not compromised, I was told the card would be reactivated. However, 4 hours later trying to make that gift card purchase once again at the same store chain but another location, once again the purchase was declined. This time the card was locked and nothing could be done because "management" does not work the weekend. This left me without the ability to use the credit card while on vacation. To make matters worse, when I returned home on Monday, I was informed by Capital One that I needed to file a fraud report, which I politely declined because doing so would be fraud committed by me for filing a false report. The card was only attempted to be used the times when I attempted to buy the gift card and at no other time. Now I understand why 1 out of 5 complaints filed regarding credit cards is regarding Capital One. Never again will I permit Capital One to ruin my vacation.

Capital one customer service is the least user friendly credit card I have ever used. From the moment I received my card, I could not access my account online. I didn't have time to sit on the phone trying to figure it out so I added my wife as an authorized user. They still wouldn't talk to her even to fix the online access registration. She figured out that they had incorrect information and they still wouldn't correct anything. This credit card customer service is terrible if you are a married couple that share financial responsibility for credit cards. Both parties do n to have equal access. My spouse does not want to be an authorized user for an account that she has no right to manage. Now we have to look for a better credit card that is easier to manage with two users.

Because I had a very small balance carried forward that automatically shuts me out of customer service! Even if it was their error. In order to fix it I have to first pay it and then call back to get it fixed. Over 10 minute wait each time only to be given my balance and nothing else. Worst customer support I have ever encountered.

These people are the BORG! They will not go away no matter what! Several years ago I started getting "pre-approved" mail for me and my wife, EVERY WEEK! That means I got two a week. It took SEVEN, no joke, SEVEN calls or letters to them to get them to stop mailing me unwanted correspondence. The big problem is they actually include a credit card number when I haven't applied at all! I think they're actually hoping the mail will end in the wrong hands and someone will use it. I started putting all their mail in their return envelop and sending it back and finally, after MONTHS and months it sopped. Now it's started again. I put the mail in the return envelop and they just started sending mail without a return envelop. Their phone system is set up to NOT help you. They start off by asking for your SSN to remove you from their list. DONT give it to them. Likewise your phone number. They don't need it. After about 15 minutes of tranfers and waiting for their system to work (I was told it kept "not responding"), I was finally assured I had been removed but would keep getting mail for them for several weeks (!). I HATE CAPITAL ONE. I would NEVER subscribe to their card.

I use to have 3 credit cards with capitol one..paid them all off in full...so that was at least 9yrs ago...so now I have been getting pre approved applications for their card..asking me to be a customer again...so just to see what would happen if I did reply to their request using a reservation code and access code...which is suppose to be pre approved...they of course denied me...so why do they send these things out? makes no sense...

I applied for a secured credit card online, was approved and paid their $79 as a deposit. That was over a month ago and still no card. Their documentation that comes through Canada Post is poorly coordinated, dates and systematic process a mess. I went to Canada Post to produce ID and a signature - great, I get that. But overall the string of letters that are not very well written and in one key document the date was missing - making it hard to track and go back to confirm - what's next. Apparently a card was mailed mid September and it is now October 2, and no card. Their suggestion was to cancel the one that was mailed and reissue (5-7 days of more waiting). I called Canada Post to confirm if there were any delays and there have not been. I have to wonder if this lengthy delay is all part of some other hidden agenda to collect on interest or is it just poor management/coordination. What ever it is, I find this is a very poor introduction to their service. And I can only imagine what's to come. Based on what I've read here, I will be very careful in terms of payment management. Seems like they will ding you for every nickle (used to be a penny) they can get out of you and more! I'm very nervous about doing business with this company.

Had been a customer for 5 years, never missed a payment and always paid in full every month. Was 4 days late making a payment on a £9.99 balance, they charged me £12 plus interest on the the £22 balance, which left me with a £32 balance in just 4 days!!! I paid off the balance and closed the account there and then. Dreadful Dreadful company!!!!

I was at Walmart Bradenton,fl April 26th. Charge $480.15 and my card was denied (Venture Rewards) I luckily had another card on me to charge after the embarrassment,

I lost out on my rewards of 1 1/4 mile per dollar. Can you please compensate in any way,

Thank you,

I tried to increase my credit limit since i open my capital one world card for the last two year. There is no such thing exist call credit line increase for this wrold account. My opinion they should close their credit department and save some money (Canada OnlY).

No offence - they ask for higher income and low credit limit. By the way never paid late and paid full every month...still no service.

Disgusting customer service.

Unhappy customer Toronto Ontario Canada

Very upset with Capital One and going to cancel my open accounts. Had a card issued by HSBC which I paid on time every month on-line, with a low interest rate. Cap One took it over, ended the on-line access through HSBC, and refuses to link it to my open accounts or permit on-line payments. Instead, payments must be mailed or called in every month by phone. Undoubtedly, to try to force a "late" (because by snail mail) payment so they can jack the rate up to the "default" interest level. I'm tearing up my cards, paying them off, and saying goodby to this company.

Lol. They call me 15 times a day every day from 9 am to 9 pm. My card was a transfer from Orchard Bank, and I had ALWAYS paid on time, but during the course of the transfer I missed a payment before I was able to register with CapOne. Since I missed a payment, I was told my account had to be brought *current* before I could get online access. All of a sudden I owe more than $300 to make my account current, with no explanation and no paperwork to back it up (I was paperless, but without online access how am I supposed to see anything?) They proceeded to bill me late fees and an account that was in fantastic order is now, well, crap.

So then, I get my tax refund, and can afford to pay these jerks, so I figure I need to stop this insanity RIGHT THIS SECOND and call and make the silly payment. They win, I'm tired of these friggen' phone calls. So I call. And get "well, the guy you need to talk to isn't in the office until tomorrow, and no, you can't make a payment right now." They call me 15 times a day to make me feel horrible about not being able to pay them, and then when I can, they can't take my payment. HA.

Do they realize how crazy they've made me? And how much I despise them right now? Probably. Can't even PAY them to go away.

WORST CARD EVER. Was fine at first until I came back from my vacation to find out my job was closing in a week. Late fees added on, couldn't get any help to stop it. After getting a new job had a few medical emergencies, messing up my ability to keep up with pay again. In the meantime my fees and rates went up, and up, and up.

Now I am disabled, unable to work. They've seized my "assets" (a whole $1.30! hope that's enough!)Everything i own is second hand crap.

Worst thing is, I want to settle and I have NO idea what my final bill is. And NO idea How to make it happen!

They are great at one thing, making me live in terror of the phone. They harass like nobody's business. and their Associates seemed to feel free to LECTURE ME about "responsibility" of payment. WHEN I CAN"T DO ANYTHING ABOUT IT.

It was a very small limit too. But due to their sneaky "fees" they fix it so you can't pay at all and go over. AND THE FEES ARE WHAT ALWAYS SENT ME OVER.

Be very careful if Capital One offers you a settlement amount. I reached an agreement that I would pay a certain amount. They agreed that if I could pay a little more they would not 1099 me. I paid. Then I got a 1099-C anyway. I contacted them, but it is still not settled. If they don't uphold their agreement, I'll have to pay income tax on the discharged amount. I am disabled waiting for an SSD hearing. I've had no income for 2&1/2 years.

The pressure they put on me was, in my opinion, close to harassment. I told them I am disabled and that my house burned in Jan. 2013. They kept calling and calling even though I told them I was ill and it was my legal right to request they reduce the frequency of calls. They also repeatedly phoned my former employer despite my telling them I no longer worked there.

You have been fined $60 million and had to reach an additional $150 settlement with the Consumer Finance Protection Agency. So why are you doing this now? I thought you had to create a special program and present it for approval before you could. This ad is as bad as the ones you were fined for.

Very Poor Communication. Promised A Call From A Manager Today Ref My Credit Card Application. Gave Her All My Details And Nothing. My Credit Ran Out On My Mobile So I Am Left Not Knowing What Is Going On. Not Much Confidence In Them If This Is How They Deal With Their Customers
Gaynor Smith

my experience with capital one was good in the way they speak friendly but its still bad by providing wrong information.

i applied for credit card and for over 2 month i have been told that my application is approved but after couple days i check where is my card they say its still pending for approval. this is happened 6 times already, so what do you call this??

regardless there friendly talk, hotline is fairly educated, i think they are not even graduated from high school,
for those from hotline defending them selves or acting like happy customers , stop that because we all know you are customer service not a capital one card holder.

in short,capital one customer service , speak friendly but not educated enough "Low employment standers". they easily provide wrong info.
and they don't keep there promise and never give you a call back.

I have to say, I'm glad I do not use Capital One as our bank nor will I ever now. This new ad with Samuel L. Jackson is unbelievable to me. My 9 year old sees this commercial. I can control which shows he's exposed to but not the random commercial that comes on. I am very disappointed that this company, in a misguided attempt to be hip and trendy, felt that the use of profanity was the way to go. It's a bank commercial, not a music video.

I was shocked a couple of days ago when I saw the new ad campaign starring Samuel L. Jackson. It aired early in the evening on the weekend, while my family and I were watching a show together after dinner. I was very irritated that Mr. Jackson's script included emphasis on the word "damn", which caused my youngest two children to perk up and ask questions, since even they sensed that it was a word only used in "grown-up shows". I just implore you to more closely monitor the air time of these commercials, so that they don't appear before 9pm (which, for many years, has widely been considered "prime time television" for families). In the meantime, my family and I will not be viewing the channel on which your offensive commercial aired, nor will we be using our Capital One card.

We are extremely disappointed that you are using profanity in your most recent ads.--