MASSACHUSETTS -- Capital ONE A COMPANY NOT TO BANK ON. A few years ago I had a Capital 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.
I am traveling and I checked into a hotel and my Capital One card gets rejected. I called Capital One to find out what the problem was, they told me I was late on a payment. The Balance on my Capital 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.
RICHMOND, VIRGINIA -- For no valid reason (always paid on time, and had credit scores in the high 700's)... Once I actually used the card for a big purchase, Capital One just decided to raise my interest rate from 9% to 14.9%. Of course, when I called to complain, I got some minimal wage call taker who "couldn't do anything" and said it was probably due to my credit score! Ah, yes, my credit score which is 88% above everyone else in the country!
And they did this to a policeman's widow... So any of their so called "charity donations" are just for tax write offs; they obviously don't care and are out to suck the money out of whoever they can. Just paid them off, and relished cutting up their credit card. Will never, ever trust them again... Now, their logo and commercials actually repulse me. Just a bad company who deserves to go under.
I flew into Phoenix airport and would have to rent a car to go and visit my son, who is stationed in So. Arizona. Well the girl at the rental car place zipped my card thru for the $300 rental and then said "Oh no, I forgot to add the deposit amount of $150." I said, "no problem, I have cash," and she said "No it has to be on same card in the same transaction," so she credited the $300 and ran thru at $450. Well credit is not immediate and this all went over my limit.
So now I have no rental car. "But wait we have a guy who does rentals on the side for cash, I'm sure he can help you out." They told me I could rent a car for $450 cash thru him. I said, "I'm going to call Capital One." They told me it was a waste of time. I called and told them my situation and got connected to some awesome people who got everything straightened out. They had to talk with the rental car manager and instructed me NOT to hang up until I had the keys in my had. What could of been a nightmare worked out great and I had a wonderful vacation with my son and his wife. Thank you Capital One.
RICHMOND, OHIO -- I received a phone call from Capital one, asking if I had applied for a credit card - I told them "No". They informed me that someone HAD applied for a card, using MY information and they suspected that it was fraud - thus the call. They gave me the phone numbers of three credit reporting agencies to call, telling me to inform them that someone had applied for a credit card, fraudulently, in my name. They explained that this COULD hurt my credit. They then assured me that they would take care of the matter and no card would be sent to me.
Today, I received a letter for Capital One congratulating me on becoming a Capital One Credit card member with a $5,000 credit line, my card will arrive in a week or so. They gave a number that I could call - NO reference number - nothing. When I called (and I was on the phone for close to an hour and a half) ALL they wanted was my social security number! Saying THAT was the ONLY way they could look up the card. Of course they had my name, phone number and address, but just HAD to have my social security number? Certainly I didn't give it to them.
I think they are crooks. My husband DOES have a Capital One credit card and has had for years - After all this today, he cancelled his card. Also, we could barely understand ANYONE we talked to. Do they NOT hire Americans anymore?
On 7/5/13 I called Capital One to explore if I could reduce my 7.9% fixed interest rate credit card only to learn my Capital One credit card interest rate had been changed to a variable interest rate of 17.9% without my consent. I have held my Capital One credit card since 2003 and have great credit. When I asked why I had never been notified, and that I never consented to a change in terms, I was told Capital One "mailed" me a letter notifying me of the change. When I shared I never received this information, ** (the account supervisor) stated Capital One reserves the right at any time to modify the terms of a written contract.
I am very concerned with this arbitrary practice and have decided to no longer use my Capital One credit card. While I do not like posting negative comments online, I do believe it necessary to educate others so they are fully aware of organizational practices prior to signing contracts. If you have a Capital One credit card, please call customer service and inquire about your current interest rate. If you too have had your interest rate modified without your consent, discontinue using the card immediately.
Do not cancel the card as it may negatively impact your credit history depending on how long you have held the card. Given the length of my history with the card, I cannot cancel the card, but Capital One will no longer receive my business through my use of the card.
VIRGINIA -- Once again I am on hold with Capital One. This time I am at 31 minutes and counting. I changed insurance companies 3 months ago, but they won't reevaluate my escrow to lower my payments. I have had only bad experiences with Capital One.
When I needed help making my payments during the financial crisis, they asked me if making a higher payment would help me out. When I tried to make up the difference by being on a payment plan, the took 10 days to process my final payment that they required me to send by mail. Then they accessed $1200.00 in late fees. Horrible, predatory company. Please don't do business with them. They are very large and once they have you, they will take advantage of you at every turn.
DENVER, COLORADO -- I received a Capital One cc and all was well for years with them. I paid more than my minimum balance due, causing my credit limit to rise. In 2012, I was laid off and for 2 years, still managed to pay at the very least my minimum payment. Then, in 2014 for 3 months, I couldn't pay anything as my unemployment ran out and I wasn't working any temp jobs. When I began working again in July 2014 I began to pay my bill down by paying $50.00 twice a month.
Finally, in October of 2014, I called "customer service" to ask when the restriction would be removed. Since the representative didn't know she had to get her supervisor who told me it was permanent and all I could do was close the account and apply for another one with them!!! When I asked them why they did not contact me to tell me so, he stated, "We just don't do that." Do not use Capital one, they are the most useless overcharging, ignorant scam artists I have ever dealt with!!!
TUCSON, ARIZONA -- I have 2 other Capital One accounts that are in fine working order. I applied for another to help with Christmas costs, and just got done with about 12 rounds of chemo and bone grafting. I live alone and have no one to help me get around or even to the toilet. Capital One locked the card the first time I try to use it. I call them, they ask me security question I answer, and explain the need for the transaction. SHE TELLS ME that it is perfectly fine to use it now and restriction is removed and to go ahead and use my card....
Second time I try it does same thing. I call them and now they need me to fax this and that blah blah blah and I am like "sir, I can barely get to the bathroom and they are about to cancel my electric, like I need this card for some help", and trust me I can say with 100% certainty that they don't give a ** about their customers!!!
NEW ORLEANS, LOUISIANA -- I went to a Capital One ATM to deposit $1500. Then they gave a receipt saying that the total deposit was $900. What?? $600 went missing. I came inside the bank to report it to the banker and showed them the receipt. They told me that they couldn't do anything and give me this customer service to check.
I had called three times and talked with the same girl whose name is Sandy. She told me that they couldn't do anything until next day because they were waiting for pending process. I called them again and they told me I needed to come back to see the banker. Then the banker told me to wait for her manager. And that man had never showed up. And the manager tell me to file the claim. Then I have been waiting forever. What should I do? I need the money for emergency.
RICHMOND, FLORIDA -- Capital One is a lousy company that offer no protection against fraudulent online sites. I was billed $19.95 for a service that I never received. Spent almost two months and several mailings trying to get a refund. No luck! Since I have great credit I just paid the bill. I decided not to cancel the card because that would be doing them a favor. Keeping the card account open will cost them money. The ONLY reason I can think to have any credit card from Capital One would be to purchase things from or in a foreign country since they have no transaction fee.