Capital One

I bought a wig on line from a company called WigsBuy. Capital One sent me the wrong one. They insisted I had to pay to return it to them. They are in China and postage is $40. Its not right that I should have to pay to return something the merchant sent me by mistake. I filed a dispute with Cap One and provided them with all the proof and documentation I had. Several of the items they requested I did not have as the merchant did not provide them to me. Capital One refunded me until the merchant provided proof I got the item. I filed an answer to the merchants claim showing it was not the correct item and that the merchant was not willing to pay for return shipping to correct their mistake.
During the dispute, which started in December and went to February 24, I called and spoke with several people in the Dispute Dept. At no time was I told I did not send them all the info they needed to proceed with my dispute, I sent then photo of both the item I ordered from the merchants website and the item I was sent. Copies of email correspondence with the merchant and a link to almost 300 negative reviews WigsBuy had online that show this is something they do all the time. I called on 2/24/16 and spoke with a rep to get a status update and was told it was being reviewed and there was nothing else they needed.
I got a phone call from Capital One a few hours later and the person said the dispute was being closed as I never provided them with all the documents they needed. I asked to speak to a supervisor as I wanted to know why despite having my documents for almost a month no one contacted me to inform me of this. There were 5 things they wanted, but 2 were not something I could get. One of them they actually were provided by the merchant in their response. The second was a signed statement on company letterhead from another wig merchant stating that the wig I got was not the wrong one. How is that even possible? I bought this online as there are no merchants in my area. What online merchant is going to give an opinion of another merchants product without seeing it? This is not a reasonable thing to require and in my opinion, is used by Cap One to justify denying my refund. Honestly, just looking at the pictures clearly showed that they were not the same item. Capital One waited until the dispute was out of time before they contacted me. The last thing the Supervisor said was I was out of luck and there was nothing they were willing to do to get my money back. He said my only other option was to take the matter us with MasterCard, but since I was out of time, there was nothing they would do either. Considering cap One waited until it was out of time, I really think this is s sleazy thing to do. I would not use them for a credit card and will be canceling mine and getting a different one. They are as big a rip off as the merchant was. NO protection for the consumer at ALL!

I called Capital One on Fri 9/18/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if Capital One could send it electronically to my bank. They said no we have to mail you the check. It's about $90,000 so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named Randy and on another occasion I spoke to a supervisor named Crae. Today I talked on the phone with an associate and she elevated it to Brian, then he elevated it to Mary and then she elevated it to Kevin. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail (they said they can't email it) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor Crae admitted that they are supposed to FedEx all checks over $50,000. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of $4 interest a day which is what my CD was making and thus far I have lost well over $100 in interest waiting plus an opportunity to deposit the money in Chase and get a $300 bonus on an offer that has ended. I am at my wits end. I desperately need this money, MY MONEY, to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.

Always liked this bank until I had to deal with their IRA department. Capital One are either totally criminal or totally incompetent or both. They emptied my husband's IRA on August 29th, per our request, but as of today (September 20th) the money has yet to show up at its destination! Repeated attempts to handle wasted a lot of time and patience, netted many excuses but still no money. They supposedly put a stopped payment on the first check and sent another. Either has yet to arrive. Even the US post couldn't possibly have lost two different checks in a row or have taken this long to get something from Minnesota to Florida, for crying out loud. Is someone investing our money on the side for a little extra profit? How can a bank operate this way when all it actually can provide for all the money it makes is trust?

I have been a credit card holder with capital one since 1994. I have never had to file a dispute. My credit is in the mid 800's. I have recently had a need to file a complaint against a business that charged my card $2559. 27 without our consent and also a false charge. My experience with capital one was beyond disturbing. I have since March been trying to dispute this. I have spoke with about 10 supervisors. Each call took at least an hour. Each supervisor said I had a case and it would be taken care of. Capital one continuously credited and charged my card the wrong amount that I disputed. Sometimes 3-4x/ day. I had excellent records. I was so disturbed by my experience I sent a letter to the bank ceo and head of dispute. I heard nothing back from them. Recently was denied the claim and told I need to pay the amount. Beware Capital One do not stand behind their customers. Needless to say I will be looking for a new bank. If I could give them no stars I would. Very disappointed.

I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On September the 30th, thieves made online purchases on Walmart AR (I live in Oklahoma City). I was notified 2 later and immediately disputed the charges. Of the charges, $XX were effectively charged to my card and another $XX were declined due to being over the card's limit. After spending around 1h speaking to a non-native English-speaking representative ("fraud department specialist") I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native English speaking "fraud specialist", who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as Capital One proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with $XX as "billing adjustment". After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least $XX. However, they have caused serious damage: I have hyperacusis. I had to be medicated because of the pain caused by the bad connection.

Capital One, I have been with likely most of my life paid off several accounts and open a new one every once in a while! My Pet peeve with Capital One are unlike the rest of the world having an option for EMAIL me a Security Code Capital One now expect me to turn on my phone ev ery time to verify my account! How they do not know my phone has been stolen I will never know! Every Company in World provides an option for Email or Phone verification except this one! You have two options and if ever you lose that phone your screwed for life and in another battle! Just rcvd a New Card they asked me to activate right away, NO THANK YOU! Will be closing these accounts soon! I h8te phones why would I desire to put $40 on my phone just to pay my bill each month or check on my account? Always something!

I was hospitalized for several months in 2020 and into 2021. I had 14 surgeries and 2 skin grafts, and was in a coma induced state for much of this time. Upon starting my recovery journey, I had plans of purchasing a home and using my Venture card (with $15k limit) to purchase large items. I started using my card again to purchase some of these items, and realized my line had been decreased to $5k. I immediately called customer service. An ederly man who sounded brand new assisted me and advised that because I didn't use the line, it had been decreased. I explained my situation but he said nothing could be done. He said it was my fault because Capital One mailed me letters warning me. I advised I never received them. Two days later I called back to unlock an old accounts and it turns out they had the wrong address on file, supporting my claim I never received notification. I asked to speak to management about this issue and to request a credit line increase back on my card. She was very callous to my situation. I offered to provide documentation providing proof of my hospitalization and my upcoming home purchase. She advised it was a business decision and no reversal could be made. Not only does this decision negatively impact my credit score, but it also impacts my ability to make my purchases for my new home. I've been a loyal customer for 7 years, and have always paid on time. I have three different accounts with Capitol One. The total disregard for customer health during a global pandemic is unreal and disappointing to say the least. I will be taking my business, and hard earned money, elsewhere.

I would give zero stars if it allowed
I would give zero stars if it allowed, capital one froze my business account and personal account stating fraudulent activity. Capital One never informed me of the hold they put on my accounts and I only found out when trying to pay for groceries and my card was declined. It was a bank error that they admitted to BUT they still didn't release the hold on ALL my accounts. Eventually I was able to withdraw all my money from the personal account and I did open another checking ac with another bank. The hold continued on my business account for a further 3 weeks. They then said the account would be open and apologised for the inconvenience. The next day they closed the business ac and mailed me a check made payable to the business which they closed so the check could not be cashed. Weeks of phone calls and extremely rude customer support but to no avail on a solution. The right hand doesn't know what the left hand is doing. A complete utter disgusting experience. No compensation for the bills that had tried to be withdrawn and the bounced check charge to me. DISGRACEFUL SERVICE OF 15 YEARS DEBT FREE with MILLIONS OF DOLLARS PASSING THROUGH THEIR BANKING... WOULD I RECOMMEND? HELL NO. Their customer service department need to all be fired as they are so incompetent. If I ran a business like they do I would have no business.

This is our first and last experience with Capital One. CUSTOMER BEWARE. We have an excellent credit history and were approved for very low credit limit. During the holidays we meet that so paid the statement balance two weeks early to avoid issues with direct billing. Capital One says payment will be processed within three business days. Payment cleared our bank the following day but our direct payments are being declined. Thirty five minutes on the phone with customer service and we are told Capital One won't process any transactions until 8 days after they have withdrawn the funds from our account. Even spoke to a manager and told simply that is just the way it is. Apparently customers who have excellent credit and pay full statement balance is not what they want. The absolute worse customer service I have ever received from a credit card company.

I have had a credit card with Capital One for over two years. I have been making payments with the same bank account. A payment made early and found out Capital One changed a account that has been closed for over a year. The strange thing is I never gave that account number to make a payment. I was paying early and they asked well we can that payment now. No and then the well train customer service could never tell me where the number came from. Well made another payment early. And they placed a hold on the account. They had the money and now they just wanted to make your account look bad. Remember they are helping you just finding a way to hurt you.

The worst company ever. I was trying to make payment for over $10k. Used a different bank account. Made a mistake. Had couple return payments, but then finally paid my balance in full after fixing my bank account. Mind these payments were not even due, I just made bunch of purchases and wanted to pay them off the same day. Few days I came to know that my account is closed due to multiple return payments. And Capital One voided my $150k points that I was going to use to book my honeymoon trip! Called, asked if anything could be done and nothing! They just don't care about losing the customer. My AMEX would'vE never done this!

I've been a customer more than 10 years, have personal and business accounts, and up until a year ago or so I was a fan. But Capital One outsourced several of their departments and don't seem to give a crap about their customers. They screwed up flagging a legitimate purchase on my business card and froze all our company's cards for several days requiring me to spend hours of my time to get them unfroze. Now they are rejecting my dispute of an improper charge on my personal account for a service not provided and it is clear they are not reading anything, or understanding anything, as they keep referring to it as a "good" that was "delivered" when it is a service the merchant canceled and did not provide. There are so many other better companies out there. I have already gotten an alternate business account and will be moving my personal accounts elsewhere as well. This company does not deserve my business anymore.,

I have been a Capital One customer for many years and have enjoyed great rewards and pretty good service. The customer service experiences have been positive as a whole. Have never had any problems with reporting fraudulent charges and with charge backs. Sometimes it takes a little big longer than I would expect to report some problems and to clear up automatic blocking of my card for unusual activity.

Biggest complaint I have with the credit card online system (and the reason I cannot rate this website as "Heart") is that I cannot schedule automatic monthly payment to pay on the due date and for the total amount. (I can only schedule for a set date each month for a set amount which seems really stupid to me. With American Express and Chase credit cards, I am able to schedule full or minimum payment on the due date each month automatically.)

I had a Capital One saving account which was converted into a debit card. I later learned Capital One were applying the payments on the account as debits and not credits. The amount I was paying was increasing the balance not paying it down. They and I debate about this for months so to get them off my back I borrowed money from a friend to pay the balance in full although I had made much more than the minimum payment each month and had not used the card. Instead they closed the account and turned it over to a collection firm which somehow 500.00 dollar balance has ballooned to 10,000 in the last 15 years. No one still hasn't explained how that happened. It makes no sense at all in no form of legality. They kept the deposit and my payments and plus turn it over to a collection agency when it was they who owed me money back. Not the other way around.

I'm literally livid! Me and my husband have been banking with capital one for over 8 years. We had 2 different accounts plus a credit card for our business. We've never been negative or had a single issue til now. I deposited a check that wasn't signed on back so I thought I never deposited it because we always sign our checks. It was an honest mistake but Capital One immediately locked us out of everything and after 53 phone calls and a trip to bank they said we can not bank there anymore because of one check! After 8 perfect years we deserved grace! Now we are having trouble withdrawing the remaining balance of our own money! Word of advice go to chase bank

There is no way you can call or go online and make a payment on their credit card unless you're willing to give them access to your savings checking and money market account biggest horse crap practice I've ever seen and Capital One are a credit card company but they won't except the debit card or credit card to make a payment. Sounds shady Business practice. Every other credit card I got I can make a payment with my debit card and pay the account off every month. They do not try to force you to allow them uncontrolled access to your personal accounts But they don't trust other banking institutions to except their payments

Capital One don't charge you if you never add money to your account. I always get early direct deposit and they said bc of Holliday (New Years) I won't get it til maybe Monday! That's almost a whole extra week and not even the accurate date bc they don't know. My coworkers got theirs but of course not this bank. The representatives talk over you and when they hear any back round noise they say" your call is being recorded" like damn my son is asking me a question! Then the representative said I answered your questions anything else? Like no you didn't answer my questions. Also I ordered a new debit card about a few weeks ago and I didn't cancel it just wanted a new one and they cancel my account til I receive my new one. They did it twice this month where I basically have no way to use my money. Christmas draining my account and relying on my pay day and now they don't know when I will get paid. Thanks for absolutely nothing and being inconsiderate

TL; DR summary: customer service impossible to contact, inconsistent from one agent to the next. Not willing to listen to you or trust you. Makes decisions for you without your permission and threatens you. And that's when Capital One pick up your call, after hours on hold.

After having one credit card (the first one) from CapitalOne and using it for no problems for 2.5 years, I decided to apply for a second one. Right around this time, they switched their online banking system (summertime 2017 in Canada), and I needed to re-register for an account. Their automated online registration wouldn't approve me, and I got directed to live chat. The live chat agent told me I needed to call, so I did. After four separate calls and waiting as long as 1.5 hours WITHOUT EVER REACHING AN AGENT, I gave up. I stopped using my first credit card, let it expire, and never activated my second card.

Fast forward one year later to July 2018 (the current date of writing this review), I was told by a friend that I should still call to fully cancel both cards. So I do. I call the general account services line, get a representative, she verifies my info (phone number, DOB, etc) and says she needs to transfer me to an account specialist to fully close my account. I thought that was strange, since I wasn't asking her to do anything highly technical or uncommon, but I went with it.

The next person that answers introduces himself as the fraud and security department, which made me a little alarmed. There's a clear difference between "account specialist" and "fraud and security". But fine, I went with it. He asked for my phone number, I gave him the same one I gave to the first agent, and he said it was incorrect. He asked for another phone number and I told him I didn't know what to say, I only have one number I leave for banking. Especially when the first agent already accepted the number I gave her. I tried a few, the one he accepted was an outdated 5-year-old house number. I've only been with CapitalOne 2.5 years, so I started getting more suspicious.

At this point, the fraud specialist started becoming very rude. He said that I didn't pick up phone calls regarding the second credit card and I said of course not, because you guys had an outdated number. I told him that a previous agent had already verified the correct phone number, but he ignored me. He continued to ask for my personal info and there was just something in his voice that made me not trust him. He was talking down to me, the inflexion in his voice, the way he would say "is there a reason for that?" or "how do you explain that?". He got to my address and I said I wanted to explain my situation to him before answering any of his other questions. He sighed, said "Okay" impatiently. I explain it to him (why I stopped using my first card and never activated my second one), and asked him if it was even necessary to cancel, if I could just let it sit as I had been doing. I truly didn't want to keep speaking to him.

His first response: "Your question doesn't answer my question." Why would my question answer his? Why would I ask him a question in the first place? His second response: "I can't answer any of your questions until you answer mine." That's all he said - never said sorry, never explained he needed to be sure he was speaking to the account holder (the question I asked him was a general question, too; does someone in my case need to do this or not? It wasn't even about my specific account anymore, so he absolutely could have answered it). Very vicious, impatient, demanding tone.

I was very unwilling to answer more of his questions at this point, so he said "Is there a REASON you can't tell me your address? Keeping in mind you're speaking to the FRAUD AND SECURITY department?" Capitals used to show his tone. This is a flat out threat. You might hear this from a police officer while they're handcuffing you, not from a customer service rep.

I ended up just answering his questions, because I didn't want him to mark my file and give me a permanent record. And once he got all my info, he simply informed me that he closed my account - never checked with me again (it had been 15 minutes since we started speaking), never read me any disclosures. I was even expressing doubt about whether or not I wanted to close the account (whether I wanted him to be the one to do it), but he didn't take that into consideration.

It's one thing for a service rep to be untrained, incompetent, stressed. But it's another thing entirely for them to outright threaten you. There is absolutely no reason for any service person to treat any client, in any setting, like this. I've never made a late payment and never had a cent of interest, and I stopped using all Capital One cards at the exact same time; there's nothing fradulent about my activities, it simply says "I don't want to bank with you any more".

Fraud department employee's name is Jesse, employee ID oze103. I hope that this isn't fake info he gave me. And I am certain that it was indeed CapitalOne I called, not a scam number. My credit cards were shown as canceled after the call.

Capital One have a terrible customer service. And they support scammers. I had purchased an item from a Fecebook ad and they sent me not what I ordered. I contacted Capital One and they said there was nothing they could do about it. When I disputed the charge and sent them all the proof of the scam that I got into, they took over 60 days to look into it and then said that the case has expired and they are not going to give me a refund. It happened twice already! They always support scammers because they don't care about the customers, but they make profits from any transaction.
Absolutely disgusting! I closed the account.
Don't ever want to deal with this company

Purchase a airline ticket from a horrible site called travelation which i used capital one to pay for it only to find out that the ticket was wrong purchase i called capital one to cancel this purchase from the merchant, also i called the travelation site to be pushed around by some call center from overseas and asked for confirmation number which Capital One could not gave me after 2 hrs of purchasing. Capital one was very terrible in trying to solve my problem which i explain your card card was made for the purchase it should be protected as you claim. After several attempts which i submit documents and explaination they still could not solve the issue, they send me links for upload my documents which many times failed to open from capital one. I would not use this company for any more purchase in the future i will pay them off and close this account forever. And use another company to do my purchases. Lose $400, and you never make anymore money in interest from myself also auto loan is terrible customers service is horrible if you get tru from robotics call. Mr badley