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Capital One Customer Review

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Tony77's Profile Image

1 out of 5 marks

Reviewed by Tony77

May 15th 2012

Worst Bank Ever. Save Yourselves The Misery And Please Dont Give Them Any Business

I have had a credit card account with capital one for over 3 years now. First-off, they started my account with one-fifth (that's right, literally one-fifth) the credit limit that other reputable banks were offering. None the less, i thought it would be nice to try and support a lean e-commerce organization (i'm an it nerd and yes these things weigh in my decision-making) and that i could build my history with them and they would then be willing to provide me with a more normal credit line. Anyways, i literally curse the day i thought it would be a good idea to get a capital one card. Over the past 3 years i have faced the following issues -

1) they would not increase my credit limit despite repeated phone and online requests and despite holding my account in immaculate condition

2) my account gets hacked on a quarterly basis and i have to sit undoing the charges by filing disputes and doing the needful paperwork

here's the last straw that broke the camel's back - in jan 2012 my account again got hacked. I got tired of dealing with them and requested that my account be closed. I was assured by their dispute officer that not only has the dispute been settled but they will close my account completely. In the following month all my regular vendors were able to ding that very same credit card despite it being "closed". Since it was closed, i did not bother checking until i got a late payment email from capital one. After over 22 hours of phone follow-up trying to make them understand that i was not liable for making payments that occured wholly due to miscommunication on their part i finally had to anyways pay the entire amount. My lesson learnt - never again deal with a non brick & mortar company. I wanted to share this experience with everybody out there. Even if it deters one person from giving these scumbags business i will think i made a difference in making the world a better place..

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Other Capital One Reviews

NOT2therescue's Profile Image

Reviewed by NOT2therescue

Jul 17th 2014

3 out of 5 marks

Credit INCREASES rarely happen

I have two Capital credit cards for over seven years. I apply for an increase every two years and I am declined. I have no history of ANY late payments for 7 years straight. I talked with a supervisor about it. I was given a $100.00 increase on 1 (one card) and the other card was declined an increase.

Credit Cards that I have had for less than 3 years gave me an availability of $1000.00 after a year on some card I got to $2000.00- $6000.00. I pay on time and before the due date.

Check this out: When I had a fico score of 740 Capital denied my increase. I was given an increase of 100.00 with a fico score of 680. My availability remains under $700.00 with Capital. Seven years of credit card history is nothing to Capital.

MY Belief: To gain an increase with Capital requires a certain income. Typically above 60K, history of on time payments PLUS a fico score in the 700's.

I will be ending my relationship with Capital soon!.

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jackiem44's Profile Image

Reviewed by jackiem44

Jul 11th 2014

1 out of 5 marks

HORRIBLE Nightmare experience with Capital one bank!

I have (had) three accounts with Capital one bank; a savings account, a premier checking acct and a high yield checking account. On July 2, 2014, I called to close out the Saving account as it was no longer needed. The savings account was closed out. On Monday July 7th, when I logged into my account not only was my savings closed out (which I had requested), but my Premier Checking was closed out as well! I had numerous NSF charges and a return items from my homeowners Insurance (auto deduct)!!! I called Capital one and spoke with a Manager and was told they closed the account. I proceeded to tell her I NEVER asked for this account to be closed. She indicated she would reopen account and all would be fine with my Premier Account, but indicated I would not see the change on my side for a day or two. On Wednesday, I logged into the account and it was still closed out and the balance on the account being mailed to me. I called and spoke with the same manager again, ONCE Again we went thru the same scenario of telling them I NEVER asked for the account to be closed out. With 3 returned checks and a denial for auto deduct on Home Insurance, I demanded Capital one call each of the accounts with NSF, with me on the line and explain the issue was CapitalOne' s fault, which she did.The account was reopened on Wednesday, July 9th. I called the "executive customer service team" (703)720-2500 and issue was still not resolved. I have done everything in my power to resolve this, but the headaches, the time taken and the utter frustration, not to mention embarrassing when a $30 check to my doctor is returned NSF!!!!

And now, This morning, Friday July 11th, the account was Closed AGAIN, without my permission, without checks being cleared!!!!

This is way beyond incompetence...my week has been a living nightmare due to CapitalOne Banks total disregard for resolving this issue. This is inexcusable and I would NEVER suggest anyone do business with Capital One Bank.

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