Leave a Review Capital One Mobile
The worst handling of multiple cards I’ve seen
This company is ridiculous. It’s 2023. People are unable to barely afford living day to day with how expensive it is. And this company expects you to have a $80 phone plan just to be able to use 2FA. For context, I tried to open a new credit card cause you know… I need it. They sent me the card but first of all it made me open a BRAND NEW account to be able to use it. I have an account. Why should I have to have even MORE potential breaches of security? Second of all, I can’t even GET into that account because as soon as it set it up, it immediately locked me out and demanded to get 2FA and it won’t accept my mobile number. It’s 2023, like MOST people under 60 I have a prepaid service to get 30GB and unlimited phone service for $25. I’m not going to pay MORE for LESS from a ‘traditional’ phone. But yet this company expects it. It won’t authenticate my account. Won’t let me get into my account. I haven’t been able to even activate the card because I’m not about to have a card I can’t use. No I do not want to have to call them for this. They need to get it together. Each new credit card shouldn’t need a different account and they should accept what makes up a majority of Americans phones. (Though I understand this is likely just a shady tactic to discriminate against people )Show less_WolfSpirit
Very good company
I have used Cap1 for roughly 15-16 yrs . I swapped when HSBC initially took over the market. I wished I would have done it sooner. Yes, I’ve been late and I’ve also had to shutdown cards due to the never ending economic situation and do payments to get them paid off. With absolutely no push back from Cap1, I’ve reopened cards after their payoff from shutdown. They have always worked with me and I also had my spouse get a Cap1 card as well. I’ve had items stop payment and also had refunds done with no issue…even including scammers. To be honest, I’ve had to use Cap1 at times to make ends meet. I know that’s not what CC cards are for and no, there was no frivolous spending…when fuel, rent (at that time), groceries etc cost double their cost and your work slows way down you need help and they’ve been there for me more than family and worked with me every-time. I’ve never had any issues with Cap1 at all. I’m a naturally skeptical person, but this company has proved to me over and over again that they are actually there for you. If there was any company to choose to back, it is this company. Cheesy commercials aside (lol), they truly are great. So from my family to Cap1 family, thank you.Show lessMilkgu
Does Not Care About Customers
I reported a technical issue with this application every month for 4 months where they were taking auto-payments from the wrong (outdated) account despite my updating the account every month and calling to speak with a representative, report the error, and try to fix it again. I was reassured every month that they logged the error and that I would not be penalized while we continued to resolve it as I always corrected it manually and made my payments in time.
They then automatically closed my accounts, which I had for over 7 years with a perfect payment record, and said there was nothing they could do because the terms and conditions made the rules - even though I had months of documented calls reporting this issue with the app and working with representatives to correct it so that their software would stop reverting to my old account and overwriting my new account.
After an hour on the phone being transferred to the wrong department multiple times, I was told there was nothing that they could do because the terms and conditions set the rules and it didn’t matter that it was an issue with the CapitalOne app. So, now I have to file a complaint through the Federal Credit Bureau and IRS due to the impact of closing these accounts on my credit, and Capital One has lost a 7+ year customer with a perfect payment record for literally no reason other than they didn’t want to deal with it. Trust is permanently broken and this app can’t be trusted.Show lessYasashii
Hear me out
This is my first (very first ) credit card I got them last year nov2022 and honestly I thought after I got sick and lost my job they was going to harass me (They did not) I told them what was going on and they let me get back on my feet kid you not I just paid my card off in full with no hard feelings from Capital!!!!! They suggested a low payment $67 bucks but at the time I couldn’t afford it I’m a single mother… so they offer lower but this time I had it to pay it off in full the customer service I want to point out was more concerned about my health (I love it) my agent didn’t start the conversation off with you owe this nor did she say “I’m sorry for or unfortunately… she was actually asking how I was and made small talk it made my day I read all these bad reviews it’s many ppl that need to stop BSing and pay they bill. But my experience after 2 months missed payments they still cared about me and waiting me to stay and catch up is why I payed full and I still get to have capital on my side
Thx for reading YOU ROCK CAPITAL ONE WALMART REWARDSShow lesswhyshedothat
Not A Helpful Lender
I have my car loan with this company, due to the fact that in 2016 I lost my job and didn’t get a permanent position until 2018. This caused my credit rating to go down. I was grateful that in 2018 I was able to get my car thru this company even though it was at a high interest rate so it wasn’t like they were helping me out for nothing in return. I never was late or missed a payment in 3 yrs of having their car loan. However in November of 2021 I had emergency surgery and was out of work for 2 months with a serious health issue and I called them to see if they could defer my car payment for one month until I got all my bills situated. They told me that at the time, this was not an option. A year later, I end up in the hospital again for surgery (due to complications), again I call them to see if they can defer the payment and I was told no, this company does not offer deferments. I was so mad that I told them that after I pay this car off, I will never do business with them. I also have a small credit card with them that I intend to pay off because in this day and age of COVID and high inflation, I can’t fathom a company that is not willing to help out a customer. It isn’t like I was asking them to erase a car payment, I was just asking to defer it. I e had other car loans who have done it and they will defer it for at least 3 request. Yes, I paid it off too!!!!Show lessMitzi the Ditsy
I love this car
Had to file bankruptcy shortly after Covid was in full swing a didn’t know what to. Being in food service our doors closed March 18, 2020. Not long after I hav no choice to find for bankruptcy. After 11 years of building up credit, opening revolving accounts and has every type of account with zero late payments and most balances paid in full every month. I had several cc’s all in perfect standing. Then I lost it all. But I had everything I needed and made it through the rough couple of years battling the pandemic and slowly built my credit back up applying for any card with no annual fee. Capital One sent me an application at one point and I was denied because I had been a card holder when I filed for bankruptcy so at that time they declined my application. However sometime later they sent me another Pre approved application they approved me. Obviously I was very happy for another opportunity and I love this card! Thank you capital one!Show lessClassy sassy me
To capital eins
I am grate full for your contribution to my necessary and required services! Thankyou so much for helping me and making sure that I am not in fact insane! You will be rewarded for your investment in me as I have been rewarded by you! I will not let humanity down and I will continue to take the necessary steps required of me to see my family and continue to prosper! I feel hungry now and I’d like to make some food while I “wait” and prepare for what might come next! I will wait to be told what to think by the tv tonight before tomorrow happens and I will not plan a single day ahead of tomorrow because I’ve just been given a golden ticket to success and I need to make sure that I am not questioning myself nor my very own thoughts themselves! I have been blinded and now I can see clearly that the rain is gone!!!!!!! I love whoever is responsible for taking notice, I cannot quantify the amount of love I feel right now! And I do not regret a single step I’ve taken this far because I am a product of my environment and I have been reacting to things I knew would happen! This is liberation day mark my words!Show lesslex patrick
Capital One is why Finance is Moving to Decentralization (blockchain/cryptocurrencies)
They thought they had a right to money and held it hostage for a month and a half.
They held my $ captive & had the nerve to not give me a reason why costing $ in late fees & such and negative effects to my credit. This is exactly why banks like Capital One are on the way out, while decentralized cryptocurrencies and blockchain in general are on the rise to replace their VERY flawed centralized systems.
So, I signed up for a 360 checking acct a couple months ago due solely to the fact they were offering $250 to do so. I completed the qualifying steps and just today found they froze my account for no apparent reason; held my own $ captive. They caused me to miss some bill payments which will now cost me $ & negatively effect my credit. Then I’m told they’re closing my account, again for no reason as my financial situation was unchanged since they approved me for it a couple months ago! And they do this with impunity!! Had me go through the trouble and time of transferring my direct deposit income to said account, and now I have to get it transferred back to my other bank account which takes a month or two to be processed back. And now after fully completing the requirements for the $250 bonus, they are reneging on their word/obligation, again, with impunity. This is a despicable, money-grubbing, deceitful company!Show lessnewlife2006
I wish they had more bank locations to make cash deposits
Unless you live in the DTLA area or wherever this bank location is located, you can only visit a participating CVS PHARMACY and make a cash deposit there. Otherwise, you are muffed and have to figure out another way to make a deposit to prevent an overdraft charge. Mind you, that you are only given ONE TIME ONLY reverse charge. That right there would have been a red flag for me to not have opened an account with Capital One in the first place. But I still have my account till this day. And in search of another option to take my business. I mean Capital One advertises NO FEES in big bold lettering, yet I am still charged with a $35 fee. I am not saying Capital One is not a good bank at all, because they are pretty good bank otherwise my little behind wouldn’t still be doing business with them. All in all, I am pretty happy with Capital One and I would refer my friends and family to come aboard. The app is user friendly and easy to navigate through.Show lessJaden loves to shop
Nice UI design and features; some improvements needed
The Good: Sleek designs in main page and once you select the card details, shows useful information at a quick glance like current balance, remaining credit line, rewards points. Even has a tracker for sign up bonus. Transaction details are clear showing merchant name, address, even phone numbers. Can do many things in the various settings like refer friends, add authorized user, see statements.
The Bad: Unique among card issuers, only lets you pick 5-6 due dates for credit card bills? Also, doesn’t show anywhere in the app when your statement ends. Also, why are the Capital One shopping offers so hard to use, you have to click the link through the app and make your purchase immediately on your phone browser? Other card issuers like Chase and Bank of America lets you “activate” the offer in their app, and you can pay with the card anytime until the deal expires, on any platform, and earn the cash back. These features are standard among Capital One’s competitors so not sure why they refuse to offer these basics.Show lessJim123345
