Had this co. about 15 yrs ago and canceled due to the inadequate services they provided. I've been with HSBC since then and now cap one acquires them. I am cancelling after getting screwed once again. Do not have a card with this company or any other company they are the bank for. Read the fine print to make sure. They are horrible! They put no effort to do anything that's right for you. They do not care about you. Zero customer service. And they send false info to credit bureaus that lower your credit score. They've been screwing people for years, just read the reviews. Don't know how they've stayed in business.
NEW YORK, NEW YORK -- I cannot believe the lack of leniency and consideration from the Customer Service Dept. of Capital One (credit cards). I have been paying my bills diligently every month for the past two years and moreover, always double the minimum amount or more. I just can't get anywhere near paying off the balance because the interest rates are ridiculous, and they simply refuse to transfer my balance, which means I am paying interest rates on two cards respectively, when I am not even using them.
When I called Customer Service today to ask for some options, this moron has the gall to tell me, “Well, you can pay more a month, or take a personal loan to pay off our balance faster?” I told him, I am interested in what you can do for me, not what I can do for me. I just hung up on him because the guy refused to say anything even remotely useful. When I pay off these cards, I am never EVER using these cards.
VIRGINIA -- When a credit card company holds up payment to one of their accounts by the customer, then it goes without saying the company is not in business to make money, but for its health, rest and relaxation! I discovered this in talking to the corporate level employees. It is very clear they are in business for their own SELF SERVING INTEREST and not the customer who pays the bill. It is a good thing there are other choices.. After knowing some of their policies, they do as they please, rules or no rules and that is a fact in my case.
RICHMOND, VIRGINIA -- I will never again have a Capital One credit card. As a customer for over 30 years, I have never been treated as poorly as I was today, August 1, 2012. I made an online payment to Capital One in July. Capital One returned the payment to my bank because they couldn't find the account. Never had a problem finding it before!
They put a hold on my account and when I called to ask it to be removed because it was their fault, they refused. Of course all problems with Capital One are complicated by the fact that you must first explain the problem to someone in India who only understands the scripts they are given and you must ask to be directed to someone in the United States. Never Again!
MCLEAN, VIRGINIA -- CONTAINS MAILING ADDRESS FOR CAPITAL ONE CEO. Basically, I think the letter below covers the lowlights of my four year experience with this company. Three years building up good credit, and one year after I closed the account in disgust I'm still waiting for them to report the good credit I built up with them. If you are being charged suspicious late fees, they are fraudulent; they do this to a lot of people. When you decide to close your account, the games begin.
If you intend to pay off the balance, send a certified letter return receipt requested in with the right amount on the day they will receive it (they play games with the interest). Send it in plenty of time. Below, you can find the mailing address for their CEO. You can find the mailing address for the Attorney General of their home state, Virginia, on line. I'd say that sending copies of your letters to them to her sounds like a good idea. Good luck to anyone in dealing with this company. Based on my life experience including this episode, it might be best to get a card from your own bank or a large reputable bank in your area.
FLORIDA -- Have had both the QuicksilverOne card and the Platinum card for about a year. I use them both regularly and pay off and charge up normally 2 times a month each due to limit and use for business. So after I made this payment on both cards of over 2100.00 total to bring both account balances to 0.00, they reject my payment. I ask the customer service girl why and they say something was wrong with the payment, so we get the bank on the phone and bank admits fault.
After it's all said and done, Capital One management tells me that because of the bank's mistake they will have to show an isf notice on my cards! I asked why when it was a bank mistake, the girl said sorry it's a new policy. Well what that does if you don't know is gives them the right to jack your interest rate up more!!! Do not do business with Capital One!
I opened a secured card 33 months ago, made every payment on time and decided I no longer needed the card. I called Dec 16th to cancel and ask for my deposit to be returned. I was told 14 days, however I needed to call back in 5 days to verify the account had closed. I did that. I was then told no refund would be issued until 15 Business days. I called back and was told "No sorry that was incorrect." I needed to wait 9 more business days. A complete mind game as they continue to lie and apologize for the fact that they have my $2,500 dollars and I will get it when they feel like it's time for the game to end. NEVER USE THIS SERVICE, THEY ARE DISHONEST LIARS.
ATLANTA, GEORGIA -- It started out with a $300 Visa offer with a opportunity to bump after 5 months. After 5 months got a bump to 2300. Then another within 5 months to $4300.00. Next, I was sent a pre approval for a Quicksilver Visa with a CL of 3000.00, then a Venture One with a CL higher than the other two combined!!! My credit score has increase by 100 points since I started my relationship with Capital One and I'm so loyal to them!!!
One thing I will point out, I paid my bill sometimes twice a month and at a much higher amount than the minimum payment. I have read that paying higher than the minimum also shows a creditor that you are able to pay more if your credit line is increased... it worked for me! I'm so grateful that Capital One gave me a chance! My interest rate is in the middle... definitely under 18 percent! I have always been handled with respect and professionalism! I love what's in my wallet!!!!!
I have a credit card from Capital One. I work and have many responsibilities and a statement e-mail got buried in my other e-mails, resulting in my not paying a bill by the due date. Rather than make an effort to contact me, Capital One reported the late payment to the credit bureaus. It would have taken a 5 minute phone call and I would have paid the amount.
The customer service there is lacking and they do not make sufficient effort to contact their customers when there are any issues. I did contact the company after this occurred and they were not able to explain why they did not make a sufficient effort to contact me and did nothing to mitigate the situation. I have had a Capital One credit card since 2009.
VIRGINIA -- Went to Best Buy to purchase laptop, was asked if we wanted to apply for their credit card. Turns out it is a Capital One (supposed to be phasing out to Citi-Bank) With an "A" rating in credit scores and credit limits over $25,000 was humiliated by being denied their card. (only needed $1000). When I called to find out what happened, first Capital One said they don't have the Best Buy account anymore.
After more than an hour on the phone and two different Capital Ones, they said it was denied me because of a ratio. What about my excellent history? They said doesn't count only use their criteria, is there something else they could help me with... Will never do business with them, and if ever asked to apply for a store account, will ask if Capital One is involved so I will never let them humiliate me again. Sorry they lost an account, maybe that's it... I'm overqualified and they want people they can have the add on charges and fees. Never do business with Capital One!!!