Unreliable
My special needs daughter received a settlement check from a car accident after almost 2 years. I opened a joint account and took her to the branch on Friday to deposit the check. The receipt indicated she would receive part of the money the next business day which was Monday. On Monday, the app indicated the partial deposit was available but the money was not available in the account so I called customer service. The rep didn’t want to tell me why the deposit wasn’t available and insisted I have my daughter call. I had my daughter call on 3 way during my lunch break and the next rep was even more unreasonable. He told my daughter in an unkind tone, “You’re 19 and an adult, if you don’t hang up on your mother, I will end this call!” My daughter was so upset she hung up on me and the rep after we waited for 10 minutes to speak to someone. After work we went to the branch and waited again because it was packed. The rep put us on the phone again after putting some notes in the system.
The rep on the phone asked my daughter if it was ok to speak to me and se said yes. He transferred me to yet another rep and after asking some security questions informed us that all the funds were now on hold for an even longer time than before. She apologized for everything but said there’s nothing she could. My daughter is so upset she can’t purchase the tablet she wanted before going back to school. Not good customer service at all!
The rep on the phone asked my daughter if it was ok to speak to me and se said yes. He transferred me to yet another rep and after asking some security questions informed us that all the funds were now on hold for an even longer time than before. She apologized for everything but said there’s nothing she could. My daughter is so upset she can’t purchase the tablet she wanted before going back to school. Not good customer service at all!
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Not backing me on a credit card purchase
I would really love this card. I’m still gonna give it a five however, I was in Europe. I was scanned by a bus company. They could have converted my ticket for the new ride time. They said they couldn’t do it because the Internet was not working. I paid them cash to get on the bus. They told me I could get my refund later when the Internet was working. I could not check anything because my Internet was not working. I’ve called Capital One multiple times to help me. They refused to give me my money back other than that this would be an awesome card. I can’t understand why a $92 fee for the money I put through on this card & they won’t honor it and refund my money. If they had done that and wrote a letter, then the bus company would talk to their employees about taking cash from customers lying, saying we could get our money back on the purchase tickets through the Internet. If they will not back me in Europe I don’t think I can take the card with me over there again. Because there’s always an issue when you’re traveling overseas people try to scam you. It sure would be nice if Capital one would help issues like this it would make awareness instead of the sweeping it under the table.
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Thomas Briggs
I’ve had my card for 10 years. I had a balance close to 5or6 thousand never late once. I paid off balance 0 on November 28 . Which is my due date. And it showed a balance 0. I looked two days later and it showed 95 dollars owed so I called to try to have this removed and after speaking to 3 managers I kept getting treated like they could care less about helping me and said no they could not remove this 95 dollars it was not possible. After I just paid off thousands of dollars and have been a customer for many years! And not to mention on many months of paying my due payment on the due date 28th I’ve noticed that after being paid on my he 28 due date the next day on many bills there is a late charge. Now get this shot I paid on the due date always and on many months on my he 29 you charge me a late fee and she said because it as fate a certain time! Lolol now think about this. If there is a time it should be midnight not 5 in the afternoon and second if I have a due date and I make my payment on that day on my app on my phone you should not be scamming me for a late fee. And I mean for years . Go look how many times. Thousands of dollars to my bill! I should take you to court! Now back n the 95 dollar interest after. Paid off my balance. Discover and visa both took off their interest on my account yet capital one says no!
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You guys are awesome
First of all I want to say that capital one was my first and is my only credit card , unfortunately I haven’t been doing so well financially and I’m even embarrassed to call but regardless of my financial hardship capital one has always had solutions they never make me feel bad for not making a payment and sometimes even waived my late fee. I used to think credit card companies were bad when trying to collect payments but capital one has been so helpful to me since day 1 , I recommend everyone, I can’t think of one time ever regretting this credit card company, the customer service people have delays been friendly to me , never rude always transfer me to the correct people and like I said if there’s a problem they have many solutions and they walk me thru and even though my account is not at its best and I’m having trouble making payments that’s not thier fault and I am trying to get everything on track. I do wish I could pay off both my accounts but they don’t accept another credit card for pay off and it’s my mom’s only way of helping me out and that would really be a burden off my back but that’s the only thing I wish could change. Thank you capital one for being understanding and helping me through the hard times I promise I’m doing my best to keep my credit cards in track but things aren’t going well I appreciate the solutions and awesome customer service.
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Great service
Other than me not receiving my replacement card (getting got lost in the mail, family member throwing it away thinking it’s a credit card offer instead, etc.) everything has been good. I had an unauthorized charge and that caused me to need the replacement card, but I haven’t received it. Customer service has been great and I love the discount offers that pop up on the websites when I’m trying to purchase things versus having to look up and see if the card gives me a discount or not. So I think that’s pretty cool. And whoever reads this review if you could send me an email, text or call so that we can find a better way than sending me the card directly to my mailbox would be awesome. Because I don’t pick up the mail and my stuff doesn’t always get to me. Maybe a home delivery where the mailman makes me sign for it at the door or something, or in a more official looking envelope that won’t get mistaken for a credit card offer. But if not, I’ll still be on the lookout for the card. I have recommended the company (investing) and the credit card to members of my family and friends and I think at least one has gotten a capital one card because of it. I give you guys an A+ on everything and the only problem I have is not getting the replacement card, but that’s not your fault. And if you guys wanna raise my credit limit a few thousand I’d be cool with that too. Joking.
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Unhappy customer from a 7 year auto loan
Took and made my loan a 7 year loan. I paid for the car in interest alone. 100% interest paid on the car. And after the term of the loan. The principle still had 6 thousand dollars at the end. They essentially took 3 thousand off and I was forced to pay 3000 or it would have turned into a 8 1/2 year auto loan. Never in my life. They really got over on me during COVID. You no what you did capital one. I was threatened a lot with my auto loan. Repo repo repo. Yes I was behind, but COVID hit and so was the entire U.S. but capital one didn’t care business as usual. I payed my car off and I will never ever go through capital one ever again. They were a thorn in my side for 7 years strait. They say at the end of each conversation. Thank you for being the best part of capital one. What a lie. I was a rolling account number that accrued interest monthly-weekly-daily. Be aware and think before you take a loan out with this company. Satin the only thing that wasn’t asked was to sign in blood. What a joke. And the joke was on me. 100% total loan paid in interest. Greedy greedy company. They preyed on me, capital one. If this gets to one person and makes them rethink their auto lender. And the change it due to this review. Then I got my point across. Capital one you should be ashamed of yourself.
Michael Sutherland
Michael Sutherland
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Stay away! Find another creditor!!!
What a complete joke! If I could give them 0 stars I would’ve! My husband was in a work related accident and we placed many of our living expenses on credit cards to just get by. After he received a settlement, we paid off all our debts including my 4 capital one cards. They returned the first attempted payment because they thought it was fraudulent. Called customer service and they replaced the bank account back into the available accounts to make payments from and we retried the payments. Well guess what folks… THE PAYMENTS WENT THROUGH!!! The money was pulled from our account! The amount was over $10k and capital one received the money. Capital one even stated that the amount received was valid and was a good payment but then they turn around and closed all 4 accounts down. Their reason for closing all 4 accounts? Capital one said it’s because I breached contract. I never did such a thing! I made valid and non fraudulent payments to my accounts! It’s reported to my credit now and showing 4 closed cards. Please for the love of god, find another creditor that will appreciate your longevity and payments better than this disgusting company. I was never late on ANY payment and NEVER had the cards go into collections or anything negative happen and then capital one turns around and does this? All I can say is wow! Please if you value your credit and your payments then please find a different creditor because capital one is NOT IT!!!!
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Exceptional service
Everything is right at my fingertips i really enjoy being with Capital One. This may stem out to every credit card service but the only thing that would be more helpful is that if the help line also had an option to connect with a person and not just the automated computer. I needed help with something specific an the prompts I was being shown wasn’t compatible with my needs during that time. So I continued to search for a little bit trying to see if I could be connected to someone and I had no luck. I did finally get thru but I had to play around with my options and when anxiety it’s harder for me to formulate a solution (ex.) “wording what I needed help with using key words.” I give you guys a 👍 deff great service but I really do think there should be an exception to speak with a person for certain problems you come across. Especially if the problem your facing is more detailed and can’t be explained with only a few words. But once again other than that tiny adjustment I’m very satisfied with my choice in going with Capital One 👍⭐️⭐️⭐️⭐️⭐️
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Definition of a real bank.
Finally, I found a bank that is both has a high yield savings account and branches that has no minimum balance and no fees whatsoever. A bank that you can either open an account online or in person. A bank that lets you talk to a live person, rather then a robot on the phone if you need assistance. A bank that lets you withdraw cash from other ATM that has an affiliate with MONEY PASS or Allpoint, and Capital One’s ATM that lets you withdraw cash on 1’s, 5’s, 10’s 20’s 50’s or 100 dollar bills. A bank that will allow to make cash deposits at either CVS or Walgreens locations and the to cash checks by taking a picture on your phone with their mobile app.
Not to mention a bank that allows you to receive your payroll two days early with is the number one reason I love Capital One.
I live in Baltimore, Maryland and I am proud that Capital One is in several locations in Maryland. I am able to open many accounts like my emergency fund savings, holiday savings and their 360 checking account. I will open a vacation account once I have fully funded my emergency fund. Capital One is now my primary bank since I used to bank with Bank of America. I contrast the two and Capital One offers more than Bank of America with it come to banking. I hope this is helpful.
Not to mention a bank that allows you to receive your payroll two days early with is the number one reason I love Capital One.
I live in Baltimore, Maryland and I am proud that Capital One is in several locations in Maryland. I am able to open many accounts like my emergency fund savings, holiday savings and their 360 checking account. I will open a vacation account once I have fully funded my emergency fund. Capital One is now my primary bank since I used to bank with Bank of America. I contrast the two and Capital One offers more than Bank of America with it come to banking. I hope this is helpful.
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Dishonest bank
I filed a dispute regarding a double charge on my Capital One 360 debit card. Jan 10 I had funds in my acct $85 to pay the merchant, the merchant swiped my card and the merchant stated the charge was declined, they swiped the card again and stated it was declined again so I gave them a different card from another bank and the transaction went through just fine. Laster that evening I received a notification from Capital One 360 that the transaction went through to the merchant. The next morning Jan 11 at 9am I received a notification that the transaction went through again. I contacted the merchant and they told me to contact the bank. I did contact Capital One 360, so they gave me a provisional credit after 10 days of my complaint. April 11, 2024 Capital One 360 reversed the provisional credit sending my acct into the -$85. I have proof where I paid the merchant with another card when the merchant advised me that the card declined twice on Jan 10 and never even swiped the card on the April 11th because of the declination on Jan 10. I have proof of where I paid the merchant on April 11 with another card as well. I called Capital One 360 to have the reversal of the provisional credit removed, they placed me on hold came back to the line and stated nonsense, they do not know why the reversal of the provisional credit was done, and they need more time put me on hold again and eventually hung up.
Reported to BBB
Will allow the account to close.
Reported to BBB
Will allow the account to close.
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