Capital One Credit Cards Consumer Reviews - Page 2

WILMINGTON, DELAWARE -- Since December I've been trying to contact someone, anyone, within Capital One that has both the ability to think and make decisions... Going back to November, I was told I had 2 offers, 1 for each cap one card I have. One offer was to have my annual fee eliminated and the other offer was to have my annual fee reduced. I called in, talked to the representative about the offers and ultimately I was told the changes would be made momentarily. Now March and I still have not received my fee reduction.

After many calls, many online chats, and complaints to OCC/CAG, I'm still not getting any response from Cap One. I talked to **, Executive Response Committee, and she told me she would respond by phone or secure message/email in 1-2 days with answers to all my complaints. Now over a week later, She hasn't responded. There are more complaints! I've had 1 card for over 2 years, and asked for a credit limit increase, since 2 new cards I've opened within the last year (chase slate & Citi preferred) offered 3-5 times an initial credit limit than cap one, a card I have had for nearly 3 years. I also asked for a CLI for the other card, a card I had for 1.5 years, both were denied.

In short, I was real interested in knowing why I was denied, simply because my credit is fairly excellent. According to MyFico.com, Equifax and TransUnion has me at 744 & 782. My Experian Plus Score is 759. I have never been denied credit, mainly because I only request it when it makes sense. My credit file has a nice mix, low utilization and all accounts (except with cap one) have competitive rates (used car loan at 4.7%, mortgage at 4% and credit card rates ranging from 10.9 to 13.9%).

Anyway, even though it is federally mandated to give a reason for denial, I have never received their reason. I asked for this CLI back in November, the same time I was told about the annual fee reduction. I brought this back to the attention of a cap one reps repeatedly, again asking for the denial reason or send it to me, and they told me they cannot. Ultimately, I'm now looking at legal avenues to remedy all the issues I'm having. Sure I can close the accounts, and may do that, but as you well known, closing accounts can have a negative impact on your score...

I'd rather just be treated fairly and continue having the accounts opened, then either use them or never use them... Small issues like the fact that cap one uses only overseas reps, mainly out of India, is annoying but not a huge issue. It usually takes going through the first 3-5 customer service reps just to get an adequate English speaking representative This isn't as big a deal, just a little frustrating! I'd stay away from these guys entirely. Go with a company like Chase or Citi, where customer service is truly customer service and when they offer something to you, they follow through on it.

According to Cap One reps, as of January 1, 2012, they will no longer offer annual fee reductions and because they didn't adjust my account throughout the month of December, they now cannot reduce my annual fee. In a nutshell, because of incompetence on cap one's end, I'm now stuck with an annual fee forever. I've tried to get some sort of response from anyone, but at this point, they simply do not respond. I've tried emails, secure messages via cap one's website, tweeted to @askcapitalone, repeated phone calls, and on and on... They all say they will have to get back to me regarding these issues but never do or simply never respond to the emails or tweets at all.

I also have learned that Cap One was involved in a class action lawsuit and lost the case! The findings: Cap one is/was involved in the unethical practices of keeping credit limits low, push consumers into opening another high annual fee, high rate, low credit limit card, instead of increasing the customers credit limit. It's an actual business model of Capital one, because the low credit limits hinder a consumers credit score, the additional hard pull inquiry lowers a consumers credit score, and the high annual fee and high interest rates, improve their bottom line.

By keeping their customer's credit score low the consumer has few choices in getting another card from a reputable card company, this is their way of entrapment. Back when I got my fist cap one card, I was surprised how low my credit limit was, especially considering I had other cards that had far better terms and much higher credit limits. After talking to a rep, I was told Cap One is more likely to increase your credit limit after you open a second card. So trusting them, I opened a second card a few months later. Now, several years later, I have still never received a credit limit increase... Plus that got me into having 2 annual fees.

I rarely, if ever, carry a balance. Cap One knows this and they see annual fees are their money makers. So even though I have spotless credit and even though I was granted an annual fee reduction, Cap One simply changed their mind on eliminating my annual fee without ever informing me about it... Trust me, you want to stay away from this company. I asked Linda if it's going to take another class action suit before you learn these and other unethical business practices they are involved in are predatory. I'm still waiting for a response...

On April 7 2011 I went to get my mail at home and was shocked to find out that I got five (5) letter from Capital One. All letters were address to me and my address. After opening each letter I found the letter stating that Capital One was mailing out new credit cards with chips to those who did not have chip credit cards and I would have to activate it or them. After opening all envelopes I found myself with FIVE CREDIT CARDS!!!! I called Capital One to ask why they mailed me five (5) Credit cards and to my surprise they were OTHER PEOPLE'S CREDIT CARDS WITH THEIR ACCOUNT BUT THE LETTER WAS TO MY NAME AND ADDRESS!!!!

They passed me along to the Fraud department where the representative took the info down. I asked why I was not sent my credit cards yet and if what happened to these people happened to me did FIVE PEOPLE GET MY CREDIT CARDS LIKE I GOT THEIRS!! And was my credit check for their info. I was not happy and very worried. The fraud representative said he can only pass me on to the accounting department to speak to a supervisor and that I would have to wait FIVE business days to get my new cards but I could not use my old card which did not expire yet.

I advised him this was not fair because this was CAPITAL ONE'S MISTAKE and I should not have to go through the hassle of this. The representative said he could not help me. I would have to speak to the supervisor in the accounting department. He passed me along and I had to explain the situation all over again. WOW!!!

I advised him that any criminal minded person would have taken advantage of this and Capital One would not know and the customer would not know either until it was too late. The supervisor told me he was pleased that I call it in and thank me. I asked if he would do something for me since I was honest enough to call and REPORT THEIR BIG MISTAKE!!

The supervisor told me all he could do was put a rush on the delivery on my card... BIG DEAL. THEY SHOULD HAVE DONE THAT BEFORE!!! I advised that I could go to the media too and let them know what DUMB MISTAKE THIS WAS ON CAPITAL ONE MASTERCARD'S PART this was. The so called supervisor seem to be grateful but would not do anything to help me, really. I advised him this kind of mishap should never happened...

I mean if they mailed me one (1) by mistake it is understandable BUT FIVE (5) credit cards. WOW. I advised that he make sure the departments responsible for this correct it and do better. After getting off the phone for 1 1/2 hrs I called back to speak to the supervisor again and was transferred to the fraud department where I spoke to a very rude female. After I told her to read the notes on my account in which I had to tell the supervisor before to write down she told me she could not. I told her that the representative before was able to and I did not understand why she could not transfer me.

I said to her she needed to be more helpful than rude and trying to have an argument with me since I can go to the MEDIA AND REPORT THIS MISTAKE TO THEM!! And this could bring the company down with their reputation. She was still very rude. I hung up and made the discussion to tell the media and warn other customers of this since this representative was rude considering it was CAPITAL ONE that mailed me five other peoples card with my name and address on the letter.

BE CAREFUL WITH CAPITAL ONE AND HOW THE DEAL WITH YOUR PERSONAL INFO AND WHO THEY GIVE IT TO with or without intent because the company itself is not careful!!!! Still waiting to be comp for this goodwill I did.

If you have a Capitol One Credit Card you may want to consider canceling and finding better quality service. There is a reason they made the top ten list three years in a row for poor customer service with MSN Money. Just try to get a problem solved without wasting 20 minutes up to many hours of your time while they transfer you from department to department. I experienced an average of 5 transfers per attempt to call in.

Customer service will not forward your call to the fraud department or give you the direct number, without first wasting at least 20 minutes of your time and then transferring you to the wrong department or disconnecting you so you have to call back and start over - or your cell phone dies.

I called back and asked for a manager, who connected me to a fraud manager finally, and when my phone died during the call he did not have the courtesy to call me back. No luck getting him back on the phone either. I started my first dispute that went to the fraud department in November, 2009, 11/03 MHM*HARMONY FINANCIAL $1.95 and 07 NOV MHM*MMTWEET $59.84 for online memberships with merchants I do not use. When I started that first case I asked for a new card number and was told I didn't need one.

In December I was billed for more fraudulent charges: 14 NOV MHM*tweet $29.71, 19 NOV MONEYSEARCH $1.97, 30 NOV MONEYSEARCH $79.95, 04 DEC 383712SUBMITS00 $44.95, 07 DEC MHM*Money Mastery $59.84. Again I called to dispute the activity as fraudulent. It was not buyers remorse.

Again in January I was billed 15 DEC JRC*MONEYPROFIT $29.71, 20 DEC MONEYSEARCH $79.95, 08 JAN MHM*Money Mastery $59.84. When I called to ask why none of the charges had been reversed, and asked why more charges came through I was told I did not put Decembers bill in dispute and got attitude on why I was disputing all of the charges.

Each form I was sent I returned, I also faxed letters stating I did not make the charges or authorize anyone else to make the charges when they claimed it was sent from my ip address. It is impossible to call from work on a break since I can't get to a fraud representative before a break ends. I am sure it is affecting my credit because for the last 2 statements I have not made a payment since the full balance is fraud. They want me to keep paying minimum payments until there is a zero balance and I give up on disputing it.

It's been six and a half months and not one penny of the fraudulent activity has been refunded. The only people calling me back are collections go figure. It's time to send my complaint to the attorney general. The only reason I haven't closed this card is credit scores. I will never do business with them again for a card, car, mortgage - nothing. I used to work for a credit card company, I know what customer service is supposed to look like. This is not it. Very frustrated customer.

MIAMI, FLORIDA -- My current Balance as of today on Visa Credit Card above is $1,254.95. I have being an extremely loyal customer of yours for either close or in excess of 10 years, I have lost track of time. In that very good and mutually productive time span until slightly over a year ago, I have always carried a relatively high balance in this account willingly and consciously. Balance that for most of the time stayed around the $7,000 range, again, based on a conscious and deliberate decision of our part.

During the course of all these years I have more than willingly and consciously again paid several thousands of dollars in interest to your corporation, ranging on an average of $60. To $100 a month, based on a very adequate interest rate of roughly 10%. Again, I have had no problems, complaints, or issues on following this practice.

About a couple of years ago we (our family) went through a very tumultuous period in our lives from an economic standpoint that lasted around a year, as most Americans have gone through recently, continue to do so, and will continue for the near future at least, given the current direction of the economy. During this rough period, unfortunately and unwillingly we were past due two times due to cash flow reasons, past due in excess of a couple of days both times, due to having to rearrange our cash flow to meet all of our payment requirements. During the same period we also exceeded our credit limit a few times.

Your reaction during this period of crisis of ours was to assess us with several $39 charges for going over the limit, when I had repeatedly requested from you to put some kind of check in place to prevent us from going over our limit in order not to get charged with your fees. Your response was that you had put in place the requested control, but that it was still not good enough to deter some purchase attempts of a certain nature (you cited gas stations in particular). So you proceeded to charge us several times for this recurring issue.

In addition to these charges, and because we were Past Due 2 times in the time span of one year, and as I said before both times less than 2 to 5 calendar days, you proceeded to increase our interest rate to a stunning 27% and hold it there ranging between 25% to 27% in excess of over a year and to this day, which would have cost us in excess of a thousand dollars along with the unjustified, illogical, preposterous, insulting over limit charges.

In Summary,
1. You never took into consideration the fact of us having been a loyal, consistent, unconditional customer of yours for a very long period of time.
2. I spoke to various levels of your customer service personnel in several occasions and pleaded, begged, asked, requested, implore every which way I could not to have the interest rate increased indiscriminately and to have the several over limit charges reversed. They laughed at me, literally.
3. I never called and asked to have a reduction of your standard 10% rate, though we went through a very hard financial period of time as a family.
4. I never called and requested for any special treatment, temporary suspension of finance charges, special payment plans, etc. No, I never did.
5. Today I/We owe you $1,254.95. As far as I/We are concerned, you will collect this balance a cold day in hell..
6. Do your best, as I know that I have not seeing it yet, and you are certainly capable of doing it. Name attorneys, Destroy our credit worthiness with all of the Major Credit Bureaus. Annoy us with all kinds of collection calls, etc, etc, etc. I do not expect anything less from an organization such as yours that has treated us all along in the fashion I have described above. Above all, when we needed your help the most, through one, if not the roughest economic period of our lives as a family.
7. I am sure that this is exactly the same level of treatment you have in place for the many thousands of Americans affected by the current very precarious economic conditions our country is going through.

Let me repeated clearly, as far as I am concerned you will not collect a penny of this balance from us.€œ

I recently got married and wanted to know that our finances were in order. It is important to know and communicate to your partner about financial matters. I discovered that my wife had some minor blemishes to her credit but no big deal. Then one day in the mailbox came a letter from Capital One. My wife did not even realize that she still had a balance. She had just thrown away the statements when they arrived each month. Something told her to open the mail a couple of months ago; maybe it was me since I am a financial counselor. Only to discover that "somehow" she had been signed up for a "œCredit Protection"€ insurance plan.

This created a balance and you can guess what happened over several months of not knowing this puppy was on the bill. Shame on her for not opening her statement each month and examining it for charges. What happens next really boils my blood and soon I realized why I do what I do for a living -€“ financial counseling.

Since her card was being charged a nominal charge every month for a service she never authorized, the card carried over a balance each month. Well, several months passed and late fees upon late fees accrued. After a few months have gone by, her lowly $300.00 credit limit was overdrawn. This created an over the limit fee on top of the late fee. Her account is now $450.00+ for something that should have never happened. It gets worse...

You have read it all before about being bounced from one department to another department, so I will not bore you with three paragraphs on that nonsense. But to get a response from several customer service reps, "€œOur computers are down and we can'€™t help." Come on!!! Not just one time but five days in a row. If that were the case of Capital One's network being down for 5 days, then wouldn'€™t that have not made the evening news at least once? It gets worse...

My wife tells them that she wants to get to the bottom of this and wants to get the information removed from her credit bureau report. She has a 30/60/90 slow pay on her report now which will do further damage to her credit score. The customer service folks again give her the runaround. It often seemed like they had no canned response in their booklet to her financially sound and educated questions concerning her account. After each phone call I have gotten even more furious. I work with people every day and tell them that this can happen. It drains your time and energy to get everything fixed.

My wife has asked for them to produce a copy of her signature on the "Credit Protection" agreement. She just gets transferred and sent to another person, and the entire process starts over. She did not have time to deal with this situation because that she is a public school teacher. Now that she has the entire summer off, she will now make this her full-time job on principle alone. I am sure that this will come to a resolution over time and effort. However, not every consumer has over 20 hours to put into disputing a credit card issue. It is a shame that some companies do business this way. Stay tuned for my next post on the resolution that Capital One offers.

While checking the mail one day I received a voucher from some resort in Florida giving me $1500 off a trip as long as I called to confirm with their company. So I called and spoke with a very nice lady on the phone and she explained all the trip details and what was going to be included. I knew there was going to be a catch somewhere in the conversation so I patiently waited through the 15 minute speech.

Finally she got to the juicy part... she said I would have to pay the rest of the trip on a credit card and assured me that Capital One my cc company was the one who referred me for this exciting trip. Now I don't think of myself as a complete idiot but boy was I wrong. I told her I really did not want to use a cc over the phone and she assured me it was completely safe and when I deterred again she suggested I speak to her supervisor. So a man gets on the phone and said the same speech and when I told him no he said we should 3 way call Capital one and have them verify the transaction to confirm they were legit.

Okay yeah I know what you are all thinking...."Don't do it!" So stupid me I figure this sounds OK so I agreed. I explained to him that my card was maxed out and he said they can take 5 payments of the two hundred and some dollars per month for 5 months starting next month so I could have time to put some money on the credit card. I gave him the card number and he put me back to the nice lady to finish the call and give me some more information about the trip.

After I finished the call my husband asked me if the payments included him in the trip because he was to come with me and I told him that I did not know so I decided to call back and he said I should call Capital one beforehand and check with them about this deal. So I called Capital one and I spoke to a lady and she looked into the account and she said there was 5 attempted withdraws on my account one for $500, $400, $300, $200, and $100 so I told her about the deal and she told me that it was a scam and Capital One doesn't do stuff like that.

I asked her if I could cancel my card and she said I could not because it was not paid off I explained that I would not make another payment on that card because if I did and they decided to take another withdraw then they were going to get my money and I would never have the card paid off to cancel it because I could not afford to pay the whole $500 credit limit at one time.

So she said she would have it marked as stolen and have it investigated for fraud. So then I had to have another card sent to me in the mail. I called the trip people back and asked them what had happened and they said they will run the full amount up to the credit limit in the attempt to have the full amount on the first try. I explained that was not what I agreed to and they hung up on me.

So I called back again and I got the same gentleman I had talked to the first time and he tried to say that is not what he had told me. Anyway we got in a fight and he hung up on me as well. Anyway long story short I have received multiple calls back from that center still trying to get me to take advantage of their offer.

Every time I explain the scam to the rep and they quickly make up some excuse and close the call. I know I am dumb to have fallen for this and I should have listened to my gut but this was before my husband and I got married and all I was thinking about was a honeymoon. I just hope this information will save someone the headache of this happening to them.

WASHINGTON -- In January (2008) I received my third piece of mail from Capital One Visa. The first bit of mail arrived in October and the second in November. I generally toss any unfamiliar/unsolicited mail straight into the garbage but for some reason I opened this piece. It was a good thing I did because it was a warning that my Capital One Visa account was going to be forwarded to collections if I did not pay the $9.00 (or whatever amount - it was below $10.00). I asked my family if anyone had ordered a credit card. We have always used our local bank's card so I was pretty sure of their answer but thought I should ask anyway.

My name was on the bill. The address was correct and the bill appeared authentic so I figured I should phone and find out what was going on. This was the entertaining part. I called Capital One and was put through to the accounts department. I informed the gal I had received a bill demanding payment for a card I did not own. The charge appeared to be an annual fee for an ‘air miles' type of Visa. She asked for the card number and processed it. I know that cards are activated by the recipient phoning into a call center. (I wanted to ensure that there hadn't been a card issued and activated in my name.)

Yes, a card had been mailed to me and no it was never activated. It had been mailed to my home in late September. (Aha, piece of mail number one explained.) I asked why a credit card had been mailed to me in the first place and she wouldn't/couldn't answer. She kept avoiding that question by trying to get personal information which I wasn't going to part with because I didn't do business with them. The accounts clerk then told me she was going to put my call through to her manager as she wasn't authorized to remove/cancel the charge. The manager heard my story of receiving and discarding mail sent from Capital One.

She informed me that my first bill had been issued in November (explains mail piece number 2) and she wanted to know why I hadn't alerted Capital One at that time. I explained (again) that I dispose of any unsolicited mail. She went on to explain that because the billings were going to the right address and the right person, she didn't feel she could remove the charge. I had to remind her that I wasn't the ‘right' person as I never requested a credit card AND the card had never been activated, so what was the problem? She proceeded to say that she was putting a “cancel” onto the account so that no one would be able to use it.

Then she asked me to stay on hold. I was transferred to the fraud department which was unnerving as the phone clerk was less than polite. The first two clerks were fine, just not too sure what to do. This gal wanted my social security number, my maiden name, my banking institution, as well as information regarding my family/marital status. Each time I would say I wasn't comfortable giving out that information, she became more irate. Finally, I told her I was late for an appointment and to mail me any further information regarding the status of my ‘non existent account'.

When she said that the account would remain open due to my lack of cooperation, I instructed her to mail me the statement detailing the $9.00 owing, a copy of the application I should have filled out to actually receive a card, as well an inkling as to the physical whereabouts of the card. To date I have not heard from the company at all. This post is a warning to everyone to check that a credit card hasn't accidentally been mailed to them from an unsolicited financial institution.

The clerks weren't to blame here but they aren't trained to think beyond what appears on the screen in front of them. As well, I am curious if many people have been issued a credit card without applying for one? Boy, if I had criminal inclinations, I could have a field day in today's plastic society.

CHARLOTTE, NORTH CAROLINA -- I have lived in 3 countries including US and held credit cards from various banks in these countries. I have come to realized that one of the worst mistake of my life to accept pre-approved card offer from Capital One. This is the worst bank I have ever dealt with. Bank of America comes close but Capital One appears to be a fraudulent bank. Citibank on the other hand was the best bank I dealt within US.

I had a Capital One card with a low credit limit and I used it rarely. Somehow, there was a fraud transaction on the card. At the same time, I left US to go back to Australia. I informed Capital One about the fraud and asked them to cancel the card. I also asked them to check fraud and recover money. I also contacted the merchant and told them about the fraud. Merchant agreed to refund the money.

Now, all Capital One fraud department was supposed to do is to contact the merchant and get the refund. Instead, they sat on the request, tried calling me on my US number (where I was obviously unavailable), did not send me any letter or emails, later closed the investigation and without notifying me started putting payment as late in my credit history.

Since the fraud amount was low, I thought of saving my valuable time and paid the amount. Meanwhile, I left a message at their fraud department and apparently merchant themselves refunded the amount. Now my account was in credit and all I wanted was to close the account and get the money refunded. In December 2007, I was told that it will take 30 days and I will get money back and my account will be officially closed. Remember that during all these interactions, I was on hold 20 to 30 minutes every time and some of the customer service operators could not even speak English well.

Now on Feb 6th 2008 when 30 days are well passed, I contacted them again to check the status. Amazingly Capital One's incompetence grew further and a simple question such as whether account is closed or not was not answered and the customer service representative gave me a phone number saying that you can talk to account specialist. Now, I called up this account specialist on 1-800-258-9319 and again after holding for 20 minute came to know that this is recovery department and there is nothing pending against my name.

Now this recovery department personnel put me back to customer service where I am still in queue for last 30 minutes and I have written this whole review while on hold. Unfortunately I am outside US and can not do much but I am sure Capital One has broken many laws in its working with me. I wish I was able to drag them to court and pay for such mismanagement.

I just want to get my relationship with Capital One to end and get my own money refunded but it seems even getting rid of Capital One is a challenging task. I made a mistake of being a customer of Capital One but I surely do not want anyone else to fall for Capital One's offers. It is one of the worst bank with no proper customer service and quality. I hope my experience should serve as a warning for others before they choose Capital One for their banking needs.

SOME WHERE, TEXAS -- After hurricane Harvey hit Texas my home was destroyed. Capital One gave me a gift of $150 and waived my payments for two months with no effect to my credit report. They are definitely a great card to have ❤️.