Capital One - Page 2

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1.3 out of 5, based on 49 ratings and
179 reviews & complaints.

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Posted by on
Rating: 1/51
COLORADO -- This is the sorriest company I have ever dealt with. They added new charges after I closed the account and paid off their so called balance. They transferred a balance without my permission when I had merely called to ask questions about this procedure. Had all kinds of trouble getting that taken care of. I was hung up on several times. My bank tried to help. Same thing happened. She was hung up on too. Had 6 fraudulent charges that were never resolved. I paid them just to get rid of these Bimbos. Never again!!!!! Would never recommend this outfit to anyone except an enemy.
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Capital One Does Not Appreciate Their Customers
Posted by on
Rating: 2/51
ERIE, PENNSYLVANIA -- I am very disappointed with the service I received from Capital One customer service. I have had their credit card for more than 10 years and I have never been late in making payments. In the past, I have always paid my balance in full. This past year, I was not able to pay off my balance in full but I was making my regular payments as scheduled. I was just recently able to pay the balance in full, including a purchase that would have showed up in the next billing cycle. The whole balance was paid well before my due date, which should reflect a zero balance. Well I get an email with my new statement balance and there is a fee of $51.29. I logged on to my account to view my previous statement to make sure I paid off the correct amount before I called Capital One to inquire about the fees I was being charged. I did make the correct payment, so I called customer service only to be told that the fees were correct even though I paid my account in full by the due date. I was told it was accrued interest. When I asked if there was anything I could do to have the fees removed, the customer service representative said "no". I told him that I was very disappointed with the company and that they obviously don't appreciate their customers when they do not work with them on such minimal amounts. I would not recommend getting a credit card by Capital One if this is how they treat their loyal customers. There are a lot more other credit card companies that are willing to work with their customers, especially when the customer has never been late with their payments and they have had their credit card for over 10 years. This is one long time customer Capital One has lost.
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Capital One Assessment Job Application Unfair
Posted by on
Rating: 1/51
BROOKLYN NY -- I just finished completing the assessment for Capital One Job Application for an Open position, for part-time bank teller. Took me 2 hours to complete, what I do not understand is after I finished the assessment that I just took, that I took my time and completed all the questions, comes back telling me that due to carful review of the assessment that I took, I am no longer an candidate for the job!

Excuse me I took two hours to fill out a Part-Time job, that is just basic counting and customer service, and you have the nerve to tell me that I am not qualified?! OK what did I do wrong? I tried to get the results of the assessment the Capital one site locked me out! How in the world do the Capital one HR are going to find people to fill positions, if the assessment comes back talking about after careful review, what do you mean careful review I just submitted the assessment less than 4 minutes ago.

Than the Capital One want to send me some more job offers for what may I ask? Forget Capital one!!!! If I guessed failed the assessment but won’t tell me the score what I am going to apply for positions for?!

Save yourself the trouble walk into places of employment and ask for an application! Enough of thee online assessments and applications!!!
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Self Destruction
Posted by on
Rating: 1/51
TEXAS -- In November of 09 I received a blank check from Capital One Auto Financing. I wanted to have the financing done before going to the dealership. They advertise for the blank check program as cutting the red tape and hassle dealing with car dealers by having your financing up front. After completing the paper work needed to leave the lot and signing the Capital One check for the new car I drove home.

I find out later they applied for a bank loan on my behalf for $20,000 with Wachovia. No application, never mentioned the word Wachovia and when my attorney asked the dealer what happened to the check he say I can't talk with you now.. Later the manager said to my attorney I came on their car lot needing financing. They receive a commission from the bank for making that bank loan, not the case with a Capital One Blank Check. Much higher interest rate for the Wachovia loan.

The point is very careful using this kind of financing. The dealer will just destroy the check and apply for a loan on your behalf not telling you. They have enough information on you after filling out license and registration and warranty and disclosure on your trade in that the bank thinks it's you on the computer. Why the bank gives dealer the right to apply for a loan on your behalf is crazy. I don't trust any car dealer or finance manager.

This occurred a week before Wachovia was taken over by Well's Fargo so I don't know how lax they were at the bank handing out car loans but it must have been easy not to know who I am. Now I try to get a loan today and not a chance. This dealer and finance manager have ruined my credit. As for Capital One, they are self destructing. Stay away from dealership and their employees.

Does Capital One Care if its Customers are Scammed?
Posted by on
Most Banks & Credit Unions have well established processes to address possible fraud being perpetuated against their customers -- especially phishing by con artists who target the institution's customers. Apparently, Capital One does not & does not care.

RECOMMENDATION: If you're a Capital One customer, or thinking of becoming one, use their information and call as if you've got a fraud issue--and see how you're treated, or would be if you did. You can state right up front you're sampling their process & be totally honest about your situation -- but save that for when you actually get to the right person. Compare them with other banks. You'll experience a big difference. Guaranteed.

My experience:

I got two suspicious calls asking for personal info right up front and the reason why was unclear. So I hung up.

After the second call my wife called me at work with a similar I called Capital One based on the "Bank" phone number provided at its website.

I explained the situation and was passed off a couple of time until I ended up right where I started. I called again, with similar results. I called the two convenient branches I frequent, again to no avail; the people there had no idea. One, however, informed me that the calls were "probably" associated with activating the new ATM card they claimed they sent me, but I never received, to replace the card with "Chevy Chase" on it. As a security precaution they canceled ALL my ATM cards!!

But since that didn't explain all the calls--if it did, why Capital One didn't say right up front they were calling to activate a new ATM card indicates very poor communication skills.

Then, out of rising curiosity I called the following numbers and was referred as follows:

1-888-810-4013 (banking customer service number on Cap One's website);
the person there referred me to "Security" which they assured me where there "24 hours"; based on the experience thus far I asked for the number in case the call got disconnected (blaming my phone for the likely problem). I was told I was being referred to: (301) 939-6600. That was never answered (and the call was not disconnected; the forwarding worked, such as it did).

I tried 703-720-2500 -- which reaches Capital One's CORPORATE TELEPHONE OPERATOR -- and that person transferred me to the Fraud Department at 1-866-344-8899 -- and the person answering there claimed they did NOT even service (at the time I called, March 4, 2011) Capital One!!!

Maybe that Capital One Corporate Telephone Operator was trying to tell me something.

BOTTOM LINE: I was NEVER able to contact anybody at Capital One that could, or would, address the apparent problem -- that someone seemed to be targeting Capital One customers via a focused, and persistent, phishing attack.

BENCHMARKS: I contacted my long-standing Credit Union, Insurer, and a couple of other local banks (one of who is my new bank post-Capital One...), all based on their webste info, and asked them the same question I tried to ask Capital One. EVERY one of them was able to explain their process...and it took exactly one phone call on my part to get to someone every time.

Why would anyone want to do business with with a bank that lets its customers fend for themselves?

Maybe that's why they're saturation marketing with TV commercials using lunkheaded barbarians (at least in the Northern Virginia area) -- they're targeting the market of dopes they can dupe??

I read somewhere that Capital One is (early 2011) providing credit card accounts for higher risk customers than its competition ( i.e. its providing credit cards to those rejected by credit card providers) -- so, one would naturally expect more problems...and it is in Capital One's selfish self-interest to provide lousy service given a clientele that would be having above-average problems ... or put another way ... they may provide the same level of service, which would be diluted by increasing use by sub-tier customers.

I feel ripped off by Capital One!
Posted by on
MARYLAND -- I have two accounts with Capital One -- for clarity I will refer to them as Account A & Account B. About two weeks ago I used Online Bill Pay to set up some payments because I was traveling out of the country for an extended period. I inadvertently arranged for the funds to be withdrawn from Account A instead of Account B. There were insufficient funds in Account A to cover the payments but more than sufficient funds in Account B. My first indication of the error was when I received an email saying that the payments were not being honored. I immediately logged into the account, saw the problem and corrected future payments to be taken from Account B. The problem was that in the meanwhile, Capital One had assessed $175.00 in fees against Account A. They paid one of the bills and returned the other 4. When I called Capital One, I explained my error and asked them to help me by waiving some of the fees. They agreed to waive $105.00 in fees. I was also told that the payments that had been rejected were going to be resubmitted into Account A and that I should ensure there were sufficient funds in that account to take care of those payments. I immediately transferred from Account B into Account A WITHIN THE SAME BANK funds sufficient to take care of the overdraft (including the amount expected to be refunded) AND the payments that had been rejected. This conversation and transaction occurred between 11:30 and 12 noon on Thursday (8/26). So far so good.

However, now being careful to monitor the situation, on Friday morning I logged into the accounts. To my surprise, an additional $140.00 in fees had been withdrawn from Account A (into which I had transferred funds the previous day)! The fees were posted to the same date as the fees that had been visible during my call(8/25) and none of the payments had been made. When I again called Capital One, I was told that the fees had been already assessed but as I had had a negative balance they were not shown; once funds were deposited they were assessed against my account (A). The ledger (of which I have a copy) clearly showed where the negative balance changed to a positive balance on 8/25, but the actual posting of the transfer is correctly shown as 8/26.

I have the following issues with the lack of service provided by Capital One:

1. A bank interested in providing service would, or should, have noted that there were sufficient funds in one account and not the other and acted accordingly. Whether that was to debit the correct account, to contact me about the discrepancy, or both, an assessment of fees under those circumstances would have been well-earned. As it is the assessment of fees totaling $210.00 ($315.00 minus the $105.00 refunded) for an error on my part amounts to highway robbery.

2. There is something fundamentally dishonest about hiding some of the fees that were being assessed against my account because of the error, but then immediately posting AND withdrawing them once funds became available. I realize that much is automated these days, but the reason for my transfer of funds was to take care of the overdraft AND to cover the payments that had been submitted. Automation means that the so-called "customer service representative" was able to know that the payments had already been submitted a second time, that there were additional fees being assessed as a result, and that payments into the account would be gobbled up by those fees. Her failure to disclose this information to me appears to have been reflective of bank policy and was dishonest.

This is why I feel that I have been lied to and ripped off by Capital One! Acquisition of Chevy Chase, with which my husband has banked for so many years, has changed what used to be an excellent bank into nothing but another uncaring and dishonest institution!


1) The commenter said it is not the position of any financial institution of which he/she is aware to have in some way accommodated my error. My point is that it should be. In fact, I have another account at a regional bank and I know for a fact that they would have withdrawn funds from one account to cover the overdraft -- for a fee but I don't mind paying for real service.

2) The commenter questions whether the customer service associate was doing anything "fundamentally wrong" in not making sure that I knew of the extent to which these fees had accumulated, and further that there is no reason to believe the associate didn't already believe that I knew the full amount of the fees being discussed. My response is that, in light of the conversation that I had with the representative, which extended for about 30 minutes, the representative knew or should have known this information AND acted, perhaps according to bank policy but dishonestly from one individual to another. In fact, I believe I listed to her the fees that were posted at the time of our conversation. Furthermore, we also discussed how much I needed to transfer into the account to cover the overdraft fees AND the outstanding payments. That would have been the opportune moment to tell me that there were other fees that were not visible to me on the account. The only possible explanation that lets her, but not the bank off the hook, is that these fees were not visible to her either. To which I ask - why not?

3) The commenter concluded that I should compliment, rather than complain about the bank's actions in having dropped $105.00 in fees. I acknowledge the bank's token actions, and had the matter stopped there I would have had no complaint at all about its conduct.
Capital One Bank Fraud Alert!
Posted by on
POBOX 85870, VIRGINIA -- To make a long story. I've been a customer for years and have two accounts with them. Each month I would send one check payment for both of my accounts. On my check I would include both acct# numbers, and the dollar# amount for each account. I would also, include both payment slips indicating how to apply my payment.

Well in, January of 2009 Capital One applied my check payment to just one of my accounts, not only that they applied my check as a digital payment. Which means the bank does not receive a copy of the front and back of your check. So the account where my payment was not posted to I got a late fee-of $40.00 month after month. I of course tried calling to explain what happened and that my payment was missapplied without success. To date I have been billed illegally $488.00 in late fees since Feb of 2009. Before then, my account was in good standing and current. Not to mention all the payments I have made the last year have not been applied to my balance, but to late fees in which I still getting every month to date on 3-29-10. Not to mention affecting my credit, higher interest rates.

I thought, that one could only receive 4 or 5 late fee charges for the same occurrence anyway? Capital One has charged 12 late fee charges for the same occurrence?

I continued making my regular monthly $40.00 payments- but Capital One did not apply my payments to my balance-but to my late fees, which I'm still accruing every month. I've tried calling to get resolved with no success until I ended up having to file a complaint with the (Comptroller of The Currency)in Aug 2009, which is supposed to be the Watchdog for consumer with Bank Credit Card Complaints.

Truthfully, (Comptroller of The Currency) have not been much help either, they automatically except the word of the rich Capital One Bank without reviewing the proof I had provided. I'm currently in an appeal status, we'll see what happens.

Today, I received a letter from Capital One offering to give a partial credit $390.00 on my account. Stating, I still owe $151.00 dollars in late fees. I donot accept their offer.

I donot accept to pay what I donot owe-not to mention the $480.00 worth of payments I made within the last year not being applied to my balance. Not to mention my credit being scarred. Not to mention, my interest rate they jumped from 14.99% to 22.99.

See my partial reply to Capital One Bank:###############

How many other people have you done this too?

I notice in your reply-that you ignored my request for a copy of the Front & back of my paid check#59, why? Because as I stated previously it will show how I requested my payments to be applied. Payments for account #24 for $20.00 & #93 for $26.00 was missapplied to only acct#24.

And as you mentioned #24 payment slip shows a payment amount of $20.00, and on that same slip #93 for $26.00 was written. You use the excuse, that because you LIE and state there was no payment slip for #93, that justifies you applying the full amount to #24.

I have had these two accounts for years and have paid the same way with two payment slips. There was a second payment slip for #93 which shows $26.00 on that same payment slip account #24 for $20.00, which matches what is listed on the check.

But say, if it was true, which is not. That is absolutely no excuse for applying my payments to one account, when that payment slip tells you in writing how to apply my payment to the two separate accounts. And list on the payment slip the other account and the dollar to apply payment. Not to mention my check, that it's also in writing tells you how to apply my two payments on both accounts, not just one account.

WHAT YOU ARE DOING IS CRIMINAL- That you would continued to illegally bill me going on a year for late fees, when you have proof of my payment being received and on time. You refuse to admit you made a mistake and correct it! WELL, I REFUSE TO PAY MORE THAN I OWE AND I WILL FIGHT TO THE END. That means contacting and making complaints BBB, News Blogs, Consumer Agencies and spreading the word about your illegal billing practices!

Posted by on
As we all know, we are in some tough economic times. My Capital One bill was running a bit late and I was aware of this. I called them, trying to work out some kind of payment plan (I've never had to do this, being a long time customer). The woman I spoke with was very nice and allowed me to make two separate payments, one on the 15th and one on the 21st. I specifically told her that I needed it to be removed on the 21st because that's when I would get paid. She said that would be fine and the payments would post to my account within 24 hours. The first payment came out just as she said on the 15th. The second however, didn't come out until the 27th, almost a full week after what I had requested. I received a bounced check fee (incredible considering I requested it to be debited) of $30. I got paid, in form of direct deposit to my bank on the 27th so I assumed that the extra money in my account was due to my recent raise and spent a bit. Now, Capital One's very rude representative is telling me that it's my fault, I should have known better and if I didn't want it to be taken out I shouldn't have allowed them to do it. I try to explain to him that if the money was removed when I requested, I wouldn't be having this issue. He got very loud with me and I asked for a supervisor. The supervisor, who was also rude, huffed and puffed through my very calm demeanor and told me more or less to suck up the charges. It wasn't her fault, after all, that I wasn't told by HER REPRESENTATIVE that the money would not be debited but removed in the form of a check and not for another 6-7 days after the request. I have never had to make a payment plan on my bills so I think it is terrible to treat a customer this way. They were rude, frustrating and loud. They put me on hold for an extremely long time, there was laughing in the background while the SUPERVISOR was having another conversation and all I was trying to do was a good customer. All I was asking for was an apology for this miscommunication and a credit of $29.00 on my next bill. They scoffed and continued to tell me about how I should better watch my finances. I agreed that while that may be true, if the money was removed when I asked, we wouldn't need to discuss this. I canceled my account and will not, ever, use Capital One's services (if you can call them that) ever again.
What's in your wallet? DEFINITELY NOT CAPITAL ONE!
Posted by on
What a complete nightmare! We got this card thinking it would be great for international, were we wrong. We were overcharged by Advantage Rent a car in Mexico City, and tried to dispute a portion of the charge ($92.95) immediately when we got back to the US. Capital One not only made it impossible to dispute the charge which Advantage Rent-a-Car admitted was incorrect (now bankrupt with its assests in liquidation), but they then made big accounting errors, charged us finance charges that they later only removed after we had to explain to them like grade schoolers why their arithmatic was wrong, and they have outsourced their customer service so nobody has any authority to use common sense.
So our disputed charge is a long story... but we booked a rental car on Travelocity, and then were charged an entirely fraudulent exchange rate, overcharged on top of that, and the office which was supposed to be open 24 hours was closed when we went to return the car and catch our international flight).

After numerous telephone calls, over a hundred pages of evidence, faxes and letters, we ended up asking to close our account. Not only did we waste a ton of time, we got different answers whenever we called, the customer service reps have no authority to resolve anything, and they honestly asked us to provide them a "second opinion" from a competing car rental company in Mexico City who was willing to say that we were overcharged. C'mon! Setting aside that no other car rental company is going to do that for a complete stranger anywhere (and Capital One knows that, which is what one representative admitted to us, agreeing that it is just their way of making charges impossible to dispute) we had provided Capital One our rental agreement, our Travelocity reservation, written statements, and pages of online comparisons which were obviously not enough.

It gets worse. The partial charge was credited, then re-debited to our account, but not just the part we had disputed...No... Capital One charged us the full amount again (part of which we had already paid since we only dispute A PART of our charge)...several calls, faxes, letters later they re-credited us but for the wrong amount, then (despite being specifically told by a customer service representative that they would not charge us anything further) they charged us a finance charge even though we had already paid it off, and then a late charge...several calls, faxes later, they told us to re-dispute the charge, and finally in the end, having gotten to the point of complete frustration I just paid the amount that the unscrupulous car rental company had overcharged us, and requested that my account be closed. STILL.... Capital One has not closed my account.

NEVER USE THIS CARD! They do not have your back, put something else, cash in your wallet!

Big "HASSLES" Gross Incompentence and morons with attitude
Posted by on
This is a copy of my third complaint for the same problem caused by Capital One Visa. I have lived at the same address for seven years. For reasons unknown they started sending my bill to the wrong address. They screwed up my cricket account as well. I have tried repeatedly over the phone to solve this matter.
They are trying to charge me late fees and 28% interest. I told them to kiss my butt. I'm not paying anything until all the charges are removed and my name is cleared.


TN Division of Consumer Affairs
500 James Robertson Parkway 5th Floor
Nashville, TN 37243

RE: 3rd correspondence: My conditions vis-à-vis Capital One Visa.

Dear Tom Groom,

The Capital One collection office been calling my home and I have tried to explain it to them. Please convey the following non-negotiable conditions to them:

1. I expect a letter from Capital One acknowledging that they made a mistake and apologizing for all of the trouble they have cause me.
2. Capital One will acknowledge in writing that I do not owe any interest or late fees for their bizarre uncalled for mistake.
3. Capital One will send me written proof that they have cleared my good name with the credit reporting agencies.
4. If my credit rating is smeared by Capital One I will not pay a single penny! (Frankly, I won’t have any reason to. Once I’m ruined I might as well keep the $1,100 for trouble Capital One has caused me. Think about it)
5. If Capital One wants to take me to court I will be happy to:
• File a countersuit for false and deceptive advertising, as I’m sure any reasonable individual would agree I have certainly been HASSLED.
• A countersuit for wrongfully ruining my credit rating.
• Contact the local TV station so that all of Nashville can learn about the REAL Capital One Visa card.
6. I have never defaulted on a loan. I have never had a credit card lost or stolen and have made a lot of money for Visa over the years and I refuse to be treated like garbage! (Cingular Wireless breached their contract with me and never straightened it out).

Please make Capital One understand this. I have tried! I know the people who work for Capital One are ethically and mentally challenged, but it’s not rocket science. In fact, I am alleging deliberate fraud and am enclosing copies of letters to Senators Frist and Alexander, the Better Business Bureau, and the credit reporting agencies. You know this is not and isolated incident as you have helped me rectify previous Visa Card extortion attempts.

Thank you for your time and attention to this matter, Tom, I do appreciate it.
Sincerely yours,

p.s. This is getting to be too many headaches for both of us. From now on I am going to try to pay cash as often as possible. Unfortunately, credit cards are a necessity for travel or Internet purchases. Perhaps there is more honor at AMEX, although I doubt it.
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