Capital One Financial Corporation Corporate Office | Headquarters
1680 Capital One Dr. McLean, VA 22102
(703)720-1000






Reviews For Capital One Financial Corporation Corporate Office


robert 1/31/12
i have been trying to get my card straightened out for two and a half hours but since i am an american thats too bad for our phillipino friends you would not believe the insne things that go on a`10 minute job and i have bea my head against that wall for two and a half hours i am stranded 300 miles from home made payment on card but for them that means tough stuff instead of trying to help their customers they like to hang up on them or put them on hold for 15 minutes before they hang up on them capitol one treats their customers like



D Stewart 1/27/12
I have a credit card, a bank account, and a car loan through Capital One and I will be paying the card off and getting my automobile refinanced as soon as I can. I will be closing the bank account right now. I do not trust the company as a whole. I guess I am a glutton for punishment. DO NOT DO BUSINESS WITH THE BANK!!!!!!!!



Louise Ford 1/27/12
Just wanted to say how does Capital One get away with cheating all of it's faithful customers with taking the "PROTECTION PAYMENT" each month from us and yet when you need to use it (like out of work no fault of your own, or disability), they say it does not pertain to your circumstance....

There was a class action suit in California in 2010 on this very problem of "Protection Payment" not being honored by Capital One Credit Company... We need a new class action suit to start up again in 2012... how do we get it going again?



John Not Rich 1/27/12
How does a supposedly "Good" company like Capital One Credit, treat it's customers with no respect and charge all of the late fees (they did not post it in time, the payment was sent in plenty of time). Capital One charges late fees, over the limit fees, doubled interest fees etc. etc. And if you try to talk to anyone of there customer service people... they do not give you an answer for how to resolve this unfair charges (when you really did pay ontime and they made the mistake and they charged you). Bad company to deal with... I will close my account... my family and friends will too... Keep it up Capital One you will lose all of your customers sooner or later.....



rich 1/17/12
i have had the card for about 7 months now. i paid my balance in full and checked online to make sure i had credit. it said i did. then declined me at the store. I was so embarrassed. i immediately calle them after i left and they straighened it out. however...this month they claim i have 100.00 less in credit than they say is available. How can they make constant errors like this. everytime i use the card i am not sure if its going to work!




Tom 1/6/12
Any corporation that hires Alec Baldwin to be their spokesman is a corporation I will avoid doing business with at all costs. He's an egotistical jerk who (1) got thrown off a plane for refusing to turn off his cell phone; (2) was recorded being verbally abusive to his own young daughter [called her a "pig"] (3) said that Ken Star and his entire family should be drug from their homes and killed (4) said he'd move from America if Bush was reelected. . .too bad he didn't! Looser spokesman, looser CapOne!



Burleson, Texas Pissed Customer 12/30/11
We have been a customer for approximately 5 years now andlate e NEVER been havwith one single payment. This Decembers' payment was due on the 18th ( past due if not paid by the 29th). Being as the holidays and other commitments we told the man at your Burleson office when he called the first time that we would come to the office at One Main Financial in Burleson on the 29th to pay. Well, we wake up and see that at 9:12 a.m. that he has CALLED AGAIN !!! We can see harrassment if we were late or dragging month after month but just once and NOT late yet. Once the loan is paid off I will NEVER do business with you people again.



Maria Czulewicz 12/26/11
Payment protection is giving me a hard time since they are to pay since I have become disabled and nothing seems to get done to pay my balance. Now I need a fax number but they don't put it in there letter.



Unfair Business Practices 11/29/11
We had two Capital One Credit cards, which we paid above the minimum amount until my husband became disabled in 2006. At that time he called to make payment adjustment with them based on our loss of income.
They was not concerned about our loss nor did they care about working out an agreement. They added interest and penalties that exceeded the amount on our credit card! This company even to me to court, a disabled veteran and when they saw I did not have enough income to pay them each month they placed a lien on our home. My interest amounts to $4.00 a day! This is unfair and deceptive business practices, and in my opinion falls under the Credit Card Act of 2009.



capital one is racist 11/12/11
I cannot believe what someone who works for Capital said about quote "we people and at the end of what they said he ended by saying quote jajajaja and used the N Word. That is OMG I cannot find the words to express how I feel right now. Something will be done about the racial remarks and the decrimatory and very prejudice remarks they use so freely. NAACP will be notified and that is a promise. Nobody is asking u the customer service rep for your personal opinion about anything u service us we are the customer If u don't like the questions that are being asked find another job. Finally learn how to spell and if you can't take it don't dish it out! O and by the way just because you r in another country does not give you the right to say whatever it is out your mouth you can be located!!



ECHD 10/20/11
FOR ABOUT THE PAST 18 MONTHS OR SOMEWHAT LONGER, I HAVE BEEN GETTING CAPITAL CREDIT CARD ADS, AND I HAVE NOT RESPONDED ON THE BASIS THAT I HAVE JUST BARELY BEEN ABLE TO MAKE THE PAYMENTS ON THE ONE CREDIT CARD THAT I DO HAVE. MY CURRENT PROBLEM WITH CAPITAL ONE INVOLVES THEM CLAIMING THAT THEY HAVE A WEB ADDRESS WITH MY NAME ON IT, WHICH I INVESTIGATED AND FOUND THAT THERE IS NOT WEB SITE BY THE CLAIMED AD TITLE, WHICH IS FRAUDULENT ADVERTISING. I AM HAVING TO ASSUME THAT IT HAS EVERYTHING TO DO WITH A CAPITAL ONE ESTABLISHMENT LOCATED AT 4082 PENDLETON WAY IN INDIANAPOLIS, INDIANA.

NOW THAT I HAVE SEEN THESE NEGATIVE REPORTS, TOO MANY OF THE CAPITAL ONE FRANCHISES AND THEIR EMPLOYEES DO NOT HAVE THE EXPECTED ETHICAL POSTURE AND ARE NOT WORTH ESTABLISHING CREDIT IN BEHALF OF EITHER CAPITAL ONE OR THE CAPITAL ONE CUSTOMERS ALREADY IN ACCOUNT.

THE ONLY ADVICE I HAVE TO GIVE IN THIS REGARD IS TO DO LIKE I PLAN TO DO: FILE AN OFFICIAL ONLINE REPORT WITH THE FBI SO THAT THE FEDERAL GOVERNMENT HAS THE FULL OPPORTUNITY TO ADDRESS WHAT CURRENT CAPITAL ONE CUSTOMERS OF LEGITIMATE COMPLAINT CAN NOT, AND MOSTLY ON THE BASIS THAT THERE IS NO ONLINE INFORMATION ON HOW TO CONTACT CAPITAL ONE CORPORATE HEADQUARTERS. ADMITTEDLY, I AM NOT EXPERT WITH THESE SUCH ISSUES, BUT I ALSO DO NOT UNDERSTAND HOW THIS BEHAVIOR ON THE BEHALF OF CAPITAL ONE DOES NOT DIRECTLY CLASSIFY WITH ALL OF THOSE E-MAIL SCAMS TELLING PEOPLE THAT THEY HAVE INHERITED MILLIONS OF DOLLARS IN AN EFFORT JUST TO GET YOUR PERSONAL INFORMATION FOR THE PURPOSE OF IDENTITY THEFT.

AGAIN, FILING AN OFFICIAL ONLINE FBI COMPLAINT FOR INVESTIGATION INTO CAPITAL ONE IS THE BEST REDRESS FOR MOST OF YOU POOR PEOPLE WHO HAVE HAD FAR LESS THAN ETHICAL BUSINESS EXPERIENCES WITH CAPITAL ONE. ADMITTEDLY, NOT ALL CAPITAL ONE EMPLOYEES ARE TO BLAME, BUT THIS PROBLEM SEEMS TO BE SO RAMPANT THAT THE FEDERAL GOVERNMENT NEEDS TO STEP UP AND CLEAN OUT THEIR CORPORATE'S HORNET'S NEST!

GOOD LUCK AND GOD'S SPEED WITH YOUR FBI SUPPORT!



MTC 10/7/11
ALEC BALDWIN IS SPOKESMAN



PA 10/5/11
I was laid-off from job back in 2008. I continue to pay for two whole years on good faith. When my insurance company reneged on my payments, I ran out of money. I tried to get answers from the payment protection plan to get deferred payments. I was turned down because I did not report that I was laid-off within the a one year period. Now that my credit is ruined, I can not get a job after going to college and graduating to get a better job. I had a score of 752 before the economy took a nose dive. If they want their money, they should not trash people who were good customers, and have no control of their situation because of the economy.



James Gunckel 9/29/11
my phone rings all day for captial one.from custmor and capatial offices.they will not fix this problem.i get about 50 calls a week,some leave the account number on my answer machine.i have told them this but they don't care.if i had a account with them,i would close it.



Steven Smith 9/30/11
Well at least I know I am not alone. For the second time I was issued a Cap One card and tried to use the cash advance feature but it kept saying invalid pin although I provided one to the rep when I activated the card. Upon calling their absolutely, idiotic, disrespectful customer service rep I was informed that I should not use that feature at all because it may trigger a fraud alert...HUH?! WTF are you kidding me? Ok, so after being told to use it for shopping but not cash advances and everything would be fine, I went to a local store and tried to charge $47.00 in groceries. You guessed it, D E C L I N E D. So I call the rep back and I was told a fraud alert had been activated on the card and that I must send proof of address, ID, social security, and job info. This is the exact information I sent them per their request, before I received the @#$% card. I told to once again cancel my account because they make absolutely no sense whatsoever. What kind of policy have these people established that makes them think it is ok to treat customers in such a horrible manor. I believe this company violates the agreements that they sign with customers. I am looking into possible legal actions that may be pursued against Cap One. This company will hopefully go out of business soon.



sick of this people 10/1/11
why don't you all people stop bothering the codtumer service in capital they are just doing what they can do you think the only freaking thing thay have in their life is listening to your problems, don't you pleople have a life???? or what???? it seems that the only thing you can do is grab the f... phone and start annoying the reps. and the worst part is that you call with the most stupid questions that i ever heard in my life, like "why do i have to pay a security deposit?" WELL HERE IS THE ANSWER; YOU HAVE A SUCKY CREDIT AND YOU NEED TO DO SO BECAUSE IF YOU DONT HAVE CREDIT IN THE US YOU ARE NOTHING. DO YOU WANT THE F.... CARD OR NOT??? CAPITAL ONES OVER 28 MILLIONS CUSTOMERS AND YOU CALL IN SAYING THE STUPID LINE "YOU ARE GONNA LOSE MY BUSINESS"; ANOTHER THING: ACTUALLY ANOTHER STUPID QUESTION: WHY I JUST ONLY APPROVED FOR 500 IF I HAVE CARDS OF 5000? well guest what we dont care about that tha is the limit you are gonna get and you call 1000 times and speak with 500 supervisors they are not gonna do smething about it so get over it. you should be gratefuls to have that kind of interst rates, did you know that there are some countries in wich rate is over 50% and you complaint about the "ridiculous" rate of 15% common'. another thing. you people call crying where is the card you "ordered" like if it's a pizza or something like that, but that is not all you say things like i'm planning to use it overseas and i'm leaving on monday and you applied like 5 days before leaving the us what do think that we are just ggonna give the goddamn card just like that.... again..... please COMMON' and finally (when i say finally it's not that i'm done it's that i'm not gonna be wasting my time anymore) your famous line of "I HAVE OUTSTANDING CREDIT" soooooooooo whaaaaaaaat then if you are so great why dont you just use cash oh oh oh and this doesn't bother me actually it makes me laugh whe you people call and think that you know more than we do jajajajajajaaj NIGGA PLEASE.



Jerked Around 9/23/11
Their customer service has not improved. I was told that I had been approved for an auto loan and could write the blank check Capital One sent me. After signing the forms and paying my $1500 down payment to the dealership, driving the car home and for two other days, Capital One called and said they could not approve the loan. Of course when I asked why they didn't have an explanation that made sense. UGGGH



poor house 8/9/11
Worse company ever - untrustworthy - Set up a monthly payment to be withdrawn from my checking account and they have helped them selves!!! Have taken several UNAUTHORIZED payment outs - some doubled payments in the same month - Can't get a hold of any one to get my money back - I say JAMAL (my rep) is paying his bills with my money -



Mr Mark David 8/10/11
Welcome to BARCLAY HOUSE OF LOAN PLC we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email barclayhouseofloan@hotmail.com with the following information,please complete and summit the information below;
*******************************************************
Borrower's Information
full name:
country:
address:
age:
0ccupation:
marital status:
place of work:
sex:
Telephone:
mobile Phone number:
monthly Income:
amount needed in EUR or USD:
purpose of Loan:
Loan duration:
how Urgent do you need the loan:
********************************
Mr Mark David
EMAIL barclayhouseofloan@hotmail.com



sue 8/16/11
8/16/11

Capital One sucks! They have no interest in keeping customers or working with those of us who are having hard times financially. They save money by outsourcing their customer service department overseas(they do a "My name is Peggy") on you, and fail to try to work with their customers to keep them in good standing. They charge ourages late fees ($35.00)and will credit your account but they won't wipe a late fee out and allow you to pay the amount (minus late fee) on time, thus causing another $35.00 late fee. How does crediting my account but charging another late fee help anyone? Maybe in India or the Philippines it makes sense but not here. Chase on the other hand, makes every effort to settle your debt with them. They create payment plans that are workable. It's a pleasure doing business with a financial institute that really shows they care about their customers. Shame on you Capital One!



fred 8/19/11
Id like to grab habib through the phone n beat some English in em. Very rude, wouldn't or couldn't answer easy questions, wtf. Cancel the cards, orchard banks open as well, same interest n there not asswholes.



Texas customer 8/19/11
I have had capital one card since 2001. Used to be good company to deal with not anymore. After making a online payment at 3:15 central time . On the due date. They moved my interest rate to default 29.99%. I called them and they said payments had to be received by 4:00 eastern time so I was charged a $39 late fee and put on default interest rates. I paid off the 5000 balance in full because of this. Then then they billed me the next month for another $110.00 for prior months interest. I called to ask about this and to see if they would reduce the interest rate since I paid it off. They told me no I would have to wait 11 months then they would drop the rate. I told them yea right . I'll send them there last 110.00 they will ever get from me then close my account.



Customer for over 15 years 8/20/11

The customer service is so bad. Can't speak to someone in the U.S. even though this is a U.S. company (ha, ha). There policies for late fees and interest is mind blowing....will be cutting up these cards and transferring to a company that doesn't try to trick its customers into paying extra.



Accosted by Crooks 8/21/11
This company is the WORST since the acquisition and/or merger with Chevy Chase Bank. These people have the UNMITIgATED gALL to randomly, at will, change the pass code on my debit card so that I cannot have access to the card. I have money deposited into this account twice per month, and I have had it. There are no protocols in their SOPs that allow them to change my pass code at will unless they are usurping the money that is placed in my account. If these idiots think they are dealing with a fellow idiot, then I suggest they go to the nearest hospital and have their brain patters scanned or restructured. They WILL be held accountable for the money they are stealing from my account, and I WILL CALL THE COPS. MAKE NO MISTAKE.



Dee Lightner 8/24/11
I may change my rating after I talk to someone at the corporate offices.

I usually pay our Capital One cards online.

Apparently, if a person uses AOL, that kind of screws up the access to your account./

Example: I pay one card, and since I do not get my statements on paper, I view my statement online. HOWEVER, if I then pay another card and try to view that statement, the first statement keeps coming up and I cannot access the current statement.

I was totally unaware of this, I trusted that their system worked properly and would allow me to view each individual account statement.

Until one month when i paid the accounts in a different order I did nto notice a charge on my card for Netzero (whatever that is). I immediately called Netzero, told them it was a fraudulent charge, and to immediately close the account.

But the bogus account had been charging my card for 17 months, during which time i had never noticed that i was not viewing the correct statement, and therefore did not see the bogus charge.

Now, Netzero says they will only give me two months credit. And unless I can get Capital One to do something to help me get the money back, I am screwed. The only way someone at my former address could have got my account number to institute this bogus account is that Capital One sent some correcpondence to me AFTER I moved (and after I notified them of my new address.)

So, I am hoping that someone will help me with this. I also want to report the people who used my account to the police, but cannot get their names from my former landlord!

What a mess. And I believe it all happened because Capital One's system has a problem with AOL!



attracting more flies with sugar 8/27/11
To all the people complaining about the lousy service. I can tell you that if you ever want customer service to actually help you and not make fun of you behind your back, the best way to go about it would be to ask, wait for it, nicely. When you simply yell at an agent or assume they just do not want to help you and start screaming, swearing, whining etc, the agent will just push a mute button and start making fun of you with their coworkers and probably not help you. If you actually want some real help, asking nicely will go a long way and you may wind up with way more credits. And remember, if you have fees on your bill or can't get a credit limit increase, the agent did not do this to you personally. Remember that as well.



So Pissed 8/29/11
Capitol one is a fraud they took my 99 dollar deposit and approved my card then turned around and told me I needed to fax in documents and I did all of that as of august 29,2011 then they called me this morning and told me they needed more documents and then I have to wait 1-2 more business days this right here is a bunch of bull crap I sent everything on my end. I should know my address birthday and the last digits of my social I want my money back I will draw up a petition and post it all over the web if capitol one does not resolve this matter.


Valerie Richardson



P.O'd in L.A. 8/29/11
Only a few days into being a cardholder and already a problem!!!!

Day 1 - successfully activated card over the phone, established a PIN for cash advances, (which I was told would be available immediately), agreed to terms & conditions, declined "optional" coverages/services, etc., I was sent off with a "welcome to capital one".

Day 2 - 2 successful transactions...YIPPEE!

Day 2 (evening) went to the ATM to take a cash advance....DECLINED!! Immediately called Customer Service number on the back of the card. Only then was it explained to me that I had to WAIT 60 days to use the ATM, BUT...I could go into ANY bank and present my I.D. to obtain a cash advance. Not a problem.

Day 3 - attempted to make a payment for my electricity bill....DECLINED!! Once again, I immediately called Customer Service number on the back of the card, AND WAS TOLD THAT MY ACCOUNT HAS BEEN SUSPENDED DUE TO SUSPICIOUS ACTIVITY!!!

BUT WAIT!!!!!THERE'S MORE!!! TODAY, 8/29/2011 MY ACCOUNT WAS CHARGED $39.00 ANNUAL FEE.

I immediately cancelled the account!!!!




Thomas Stubblefield 9/14/11
I am writing to obtain a reason for why my account went from $1333 when the garnishment 1,400 was I charges an extra interest of over $100. In one month i incurred $100 in interest alone? ALso, while im talking to you i am requesting information about the current interest rates of this account and also a request to look into when i origionally called where two different agents from your callcenter gave me the exact SAME address that happened to be outdated and i recieved my money order back in the mail, along with late fees and was penalized on my credit report as a result. Inclosed inside of that envelope I sent you was a money order for $150 out of the $300 credit limit on the card even though there was an interest rate of 19% i didnt care i was willing to build my credit and start out with that rate. I was only trying to get ahead and now on a $300 limit i am now in debt to you over $1,400



Christine 7/10/11
I am trying to find someone at an Administrative Level that I may write to regarding Capitol One's poor customer service. Have any of you succeeded in contacting someone who could or would receive your complaint?



Bonneville 7/12/11
Was charged BOTH $80 and $800 on the same day for a lunch at the same venue. Manager of restaurant contacted Capital One Visa to say that this was an error. Amount was deducted and reappeared two months later. When manager contacted Capital One Visa again, he was told that they wouldn't deal with him because he wasn't the card holder. My numerous phone calls, emails, and faxes were not answered. No apologies ever. When I finally spoke to someone on the phone, she was rude and acted as if I was trying to rip Capital One off. I have excellent credit and have never been treated so badly, for so long. When I said that I wanted to shut my account down because of poor service, my account was immediately shut down with no access to my points----that was the first time they responded to me, so I suppose I should be happy. Horrible horrible service.....



Louise Ivey 7/18/11
This is about a credit card Member fee of 5.00. I know this sounds trite, but when I saw the fee online I called to ask why. The answer from a "supervisor" was that it could never be removed, would stay as long as I had the card, then read me the "benefits" which had to do with travel and in case of an auto accident. I told him that I do not have a car, do not travel, so there are no benefits to me. At this point, he was getting testy and wanted to get rid of me. I also told him that I was not going to pay for this card any longer, and when the collection agency called, I would give them his name and employee number. His attitude was - Go ahead - I don't care. This is the way Capital one treats a person who does not have a five hundred thousand limit. It's all in the money. Money talks, and you know the rest....



Michelle V 7/18/11
Here's something you may not know regarding Capital One credit cards. If your payment is due like on the tenth of the month, and you live on the West Coast and pay it on the tenth you will be charged a late fee of $39.00. It's called RIP OFF. The answer I received was that their offices close at 2PM eastern time, so your tenth payment is really due on the ninth because then the tenth payment is made on the eleventh of the month! Did you get all that? How's that for good Customer Relations? This is way beyond Rip Off. More like SCAM.



kkhalloh 7/20/11
ok so i paid my car off by trading it in. they took payment out of my account, because according to them they didn't recieve the pay off until after the payment was deducted. then they proceeded to tell me my "overpayment" was more than they took out of my account. it would take 16 days to get a check in the mail. why can't they put into my account? HUM .>>> they have been taking it out for over a year now hum... and if they put it back into my account it can't be for the "overpayment" it would need to be for a full payment for a month therefore my loan would not be paid off and i would owe on the loan. So the choice is to wait for snail mail and 16 days of processing to get the overpayment? really in this day and age you can't get it done any faster than that? kicker is that no one seems to understand me. to cap it all off their ADVICE is to dispute the paymetn and get it back from the bank they won't fight it but the amounts are different ~ so wouldn't that totally mess up the whole thing? and i'd get less back? is this crap or what/



Chris 7/20/11
guess I'll join the crowd of dissatisfied customers. trying to enroll to online credit card tracking and it fails on three different computers using every type of browser, the 10 calls to tech sup got me no where, they keep running me through the same routine only to get the same result . . . isn't that the definition of insanity? well so I requested paper billing until this can be resolved only to not get a bill since I requested it. How the f**k am I supposed to pay my bill???

Im had cap one in the past, they sucked then and they suck now, I cannot fathom how they stay in business . . .oh wait saps like me.



John D. 7/20/11
Today I called customer svc and told them that I wanted my name removed from their mailing list because every time they send me advertisements I get 2 or 3 of them at once, when I was finally connected I got a man who was polite at first then when he found out what I wanted he said "hold on the line" at that time I heard a voice say "Your a mother f*cker, F*ck you" he came back on and said that it would be a minute and "hold on the Line" again a voice said "Your a mother f*cker, F*ck you" when he can back on the third time I told him about it he laughed and said it was a joke that was being played on him, I told him again to take me off of the mailing list, which he said was done and then I hung up. I don't think Capital One cares about this, and according to the other comments on here, about how their rep's do their business on the phone, I have not or will not use any of their products and after this would not recommend them to anyone...Thanks, probably, for not listening.....



Jim Cabeceiras 7/21/11
Capital One fabricated their reasons for lowering my credit limit by $1,000.00. They gave three - the first two are are completely invalid and the third, my 'balance to credit limit is too high' borders on ludicrous.
Fact 1: My payment history is stellar. Capital One raised my credit limit to $5,000 in March of 2009, then, in July of 2011, sent me a letter stating these reasons for lowering my limit. Fact 2: Since my credit limit was raised, my debt obligations actually decreased with the payout of an outstanding $8,000.00 loan in December of 2010. When payments are made on time (obligations are met), the credit card company has no business in what or how much is on the card, as long as the payments are made.

I have filed a complaint with the FTC. Capital One's customer service is cowardly and incompetent on a grand scale.



MM 8/5/11
CAPITAL ONE IS THE WORST BANK



CP 8/3/11
Absolutely disgusting business practice. Capital One raised my interest without informing me and gave some B.S excuse why they can't lower it back to it's original rate... Word of advice, do NOT do business with Capital One. They want to know "what's in your wallet" so they can take it. STAY AWAY!!



Casey 8/1/11
This company scams everyone! They have a 800 number that disconnects you if you ask to speak to anyone. I am urging everyone to contact their State Attorney General's office of consumer protection so we can begin class actions against this company. I have seen literally hundreds of complaints on the internet about Capital One! Call your State Attorney General or visit the Attorney General's website. You can also call your Congressman or Senator but we need to get the government involved with this company or they will continue to scam honest consumers forever!



R Fraser 8/1/11
Dont have an account with this bunch , but keep getting collection calls. Never had one either



Jay 6/24/11
There's not enough --- to put in front any number. 120 days later still have 3 credit inq for 1 app. I'm a harass the crap out of the idiots in corporate till oneof these fats asses do something



6/27/11
I just returned from visiting my 82 year old mother who resides 2.5 hours away. While helping her sort through her bills and paperwork, I found a Capital One offer to her for a charge card on my company account.

My mother has never had access to my company finances charge cards or anything else that has anything to do with my business. A call was placed immediately to Capital One. Tony apologized and said I probably had her on my account at some point in time, which is not the case. Nice guy, but terrible customer service for this concerning issue.

Not only was this completely inappropriate for Capital One to offer someone outside my firm a Visa Business Platinum Card, it’s highly alarming.

I wrote a letter to the CEO, Mr. Fairbank, May 17, 2011 with questions - as of today, I've not received a reply. This company is dangerous.



Kat 6/10/11
I tried last year to make payment arrangemts with Capital One and to noavail. Then I get harrassing calls from an 800 number who does not leave their name. I finally called them back and the woman was so rude and demanding. I explained to her that UNDER NO CIRCUMSTANCES give out my information to a a 3RD PARTY. Then I made several calls to Capital One 800 number and spoke to supervisors who had an attitude that, this is the way it is and no way around it. I then call Capital Corporate Office and get a Senior Acct. Manager who then connects me to someone in Recovery, who automatically sends me over to 3rd part collection agency. After I explained more that once I will not deal with a 3rd PARTY. The Acct. Manager gets a 4 STAR., for willing to help. I then call back AGAIN and get a wonderful Senior Acct. Mgr. and gave a payment to her. But it all boiled down to that I must speak to thie 3rd PARTY. I told her in no uncertain terms I would not. SHE GETS 5 STARS and Kudos for being the only human being willing to work with me regarding my account.
She called the Recovery Dept with Capital One and the 3rd Party and of course to no avail could she rectify my problem, so I could deal with CAPITAL ONE ONLY. They must not want their money, or they would listen and read what customers have to say.



kmc 6/15/11
I applied for a capital one secured master card.... they took out my whole checking account of 2,221.00 and i called them to get my money back.... they said that in 5 days max my money would be returned to my account. its the 5th day and it has not been re-deposited into my account and ontop of that, I am trying to contact them as of right now and noone will answer and the phone keeps hanging up.



6/16/11
I will never open a capitol on credit card in my life. Did you know that the customer service staff are actually trained in how to fustrate the customer so that the financial agency can gain. They find individuals that speak little english, and use poor phone lines so that you can't hear properly and in the end you give in! They constantly disconnect you and pass you along to other departments 10-12 times. All is part of their plan, that is crazy! I hope as consumers we can put an end to this!



Mark 6/16/11
Held for 50 minutes. Called 3 times before this and kept getting customer service agents that hardly spoke English. What a horrible system. I am in the process of canceling four (4) credit cards



NJ 6/17/11
They have the worst customer service. They are full of surprises. They do not do what they say. I have been on the phone with customer service 3x for 1 hours each time and have gotten nowhere. I hang up the phone frustrated. They must not pay their employees much. They blame everything on the system, they do not have any authority. I am canceling my card due to poor customer service. Even the supervisors blame the system. They do not represent themselves truthfully. It has wasted so much of my time and energy. It is not worth it.



kathy R. 5/23/11
Customer service is terrible, they put you on hold and never get back to you. Or you get their answering machine. I have an problem with the IRS and need to get it cleared up, but all you get is the run around I cannot wait to pay off my loan so I can close all my accts. I will have my whole family take out their money from Capital One. Then maybe they will start listening to their customers



daniel 6/1/11
for all you upset with capital one...i find cash(a hobby)and located $20,000.00 due to capital one.tried everyway i could to get contact number for corporate office.they are really bad at giving any good info. maybe a blessing they wont see this $$$...probably don't need it as they overcharge on zero bal.accounts....:>)



Dorothy 6/2/11
If I could give 0 stars I would. The customer service is a joke and I agree with what others on here have said. They do not give you the information you need. The responses are like they are being typed or read off of a script and no matter what you ask you get one of those answers. Also cannot understand the customer service person so still do not know what my pay off is? I even asked for someone else and still got the same thing. When you try to pay them off it just goes on and on. I have never seen such a mess especially from such a large corporation. HorribleX!



Debbee T 5/28/11
I have been with Chevy chase bank which now is capital one bank for 9 yrs I have never had a problem until capital one took over. I went into a branch because I knew my check was going to bounce so I asked to put a stop payment on it , la'chain the bank manger tells me I can not put a stop payment on the check because I know there is not enough funds. instead of being able to cancel the check for $37.00 I am now up to $600.00 in over draft fees, this is the worst bank to had to deal with trying to get anywhere with them is like becoming a millionaire you keep trying and get no where. I have never heard of not being able to cancel a check, this bank is a total rip off, I couldn't even afford to get my son's seizure meds because of this jackoff telling me I couldn't cancel the check. I will be closing this account ASAP!!!!!!!!



Sherman Jackson 5/17/11
I am a 63 year-old on Social Security Disability. Attempting to make a withdrawal from my Capital One Checking Account, I found to my chagrin that a lien had been placed against my account by the NY State Tax Department for more money than what I receive in disability benefits in an entire year. Because it was an error, the Tax Department instructed the bank to remove the lien,, and as instructed by the legal department of Capital One,if a second letter was forwarded to the legal department acknowledging the lien was placed in error, that the $100 "processing fee" the bank had debited from my account would be returned. The tax department sent such a letter, and Capital One then reneged on returning my $100 fee--reversing what they had originally said. I needed the money to pay for medications for a chronic disease, and am stunned at my inability to directly speak with anyone in Capital One's legal department, but more so at the evident lack of public relations and sensitivity to the real-world lives of Capital One customers.



kassandra 5/18/11
fortunately, my experience is that personnel were very nice, results however, disappointing - i just want to open a donation account for a dear friend needing unaffordable surgery - friends all over the state want to help but so far two attempts to open the account have not produced results - hold a good thought everyone, i plan to try one more time.



nyc 5/20/11
So Unprofessional human being. This is my first impression of Capital One Branch on 33rd and 7th avenue.I am very upset how the Representative treated me. The appointment was Wednesday, May 18,2011 @ 9;30am in our office ,the representative send me an email which I will send a copy to the Corporate Office,asked me if the President of the Company will be in the meeting,I replied no.Got 2nd email, rescheduling the meeting on Thursday, May 19 and we will meet at the Branch not in our Office which was the original arrangement, then it got better, Thursday, May 19
I arrived around 9:20am,Lisa @ the Bank who made the appointment with the Rep, spoke to me and said the meeting was cancelled because one of the Rep can not make it. On the day of the meeting......I did not get the email nor the phone call before I left for the meeting, what a waste of time, more to say but I will just write a letter to the Corporate Office for them to know the kind of business practices the Branch at 33rd and 7th avenue, New York City.



Amy Eldred 5/11/11
Too bad you don't have stars for "they suck"!

Take everyone's advice and NEVER do business with Capitol One. It is really too bad Capital One Corp Hdqrtrs doesn't see this. Maybe it would prompt some changes to the way they do business. Not sure how they stay in business as they are very secretive when trying to contact them, pass calls from person to person, don't let you speak with a supervisor nor anyone from headquarters.

Perfect, awful example of corporate bullshit at its finest.



Fred 5/11/11
Worst credit card company ever. I applied for the card because of the 1% cash back. I paid the card in full the first month via ACH (electronic payment from by bank's online bill-pay). No problem. I paid it in full the second month. A few days later I found I had no available credit. Why? The amount of my electronic payment exceeded the amount that Capital One will routinely accept, so they put a 12 day hold on it. And denied access to the rest of the available credit.

So get this - if I pay each month, I can't use the card for the first 12 days after the payment is received. Confirmed by the CSR. BTW my credit score is 825. I have significant income and my spend may be $5k+ in some months. But clearly won't be at Capital One. Useless.



cdykes 5/12/11
As I am on ss and unable to work any more. I am trying to cover my bills the best I can. I have been told by the company that I have to have paid my full amount owed (apparently)with rediculous interset rates 12 months in a row--even tho the people I contacted gave me consessions, apparently this doesn't count!!! Now I must pay what is owed (God help me if this is not the right amount that they have listed on their bill)-- for 12 months!! I will never recommend this credit card to any one and am not sure if I am paying this one!! I dare you to turn this in to your CEO if you have one---as he or she is invisible!! That is a smart way to keep it!! Maybe the US attorney general would like to see this???



Security concerns with their email notification 5/13/11
Recently I sent a secure email to Capital One suggesting that they stop putting a bunch of links in their email notification. I explained to them that this may induce clients who are not so clever to fall for a phishing (yes with ph) scam and click on a link inside a legitimate looking email.

I also took the time to explain to Capital One in my email that Canadian banks do not put any links on any email notification they send to their clients. The reason is that if the clients are receiving an email notification is because they are Internet savvy and know the URL of their financial institution.

What was the response from Capital one to my concerns? See copy of the email they sent to me below. It is incredible the level of bad customer service and outright stupidity.

*****************************************************
Beginning of first email from reply from Capital One

Hello J F Jr.

Thanks for your recent message.

To see if the e-mail you received is valid, please forward the complete
e-mail to abuse@capitalone.com.

If you’d like to check the validity of a Web address you visited, please
forward the complete Web address to abuse@capitalone.com so that we can
validate it.

If you can’t forward the information, please know that your personal
information remains safe with us. When we identify suspicious e-mails or
Web site, we work with law enforcement and other agencies to shutdown
these fraudulent activity.

Please do not include attachments in your e-mail to abuse@capitalone.com
because they will not be opened.

Thank you for helping us identify and prevent fraud.

Sincerely,

Capital One
*****************************************************
End of first email from reply from Capital One

I then emailed them again saying that I didn't had any issues. That I was only providing them with a suggestion and that I didn't want to receive 8 ugly looking link in my email notification.

Their response? See below.
*****************************************************
Beginning of second email from reply from Capital One

Hello J F Jr,

Thanks for your message.

We'll be glad to assist you. Please call our Online Technical Support
Department at 1-866-750-0873 and say or choose the corresponding option
number from the following choices:

Unlock Account or press 1
Reset Password or press 2
Mobile Banking or press 3
Technical Support or press 4
General Account Questions or press 5

Our representatives are available 24 hours every day for your
convenience.

Thanks for being a Capital One® customer, and please let us know if
there’s anything we can do for you in the future.

Regards,

Capital One
Hello Jair Ferreira Jr.,

Thanks for your message.

We'll be glad to assist you. Please call our Online Technical Support
Department at 1-866-750-0873 and say or choose the corresponding option
number from the following choices:

Unlock Account or press 1
Reset Password or press 2
Mobile Banking or press 3
Technical Support or press 4
General Account Questions or press 5

Our representatives are available 24 hours every day for your
convenience.

Thanks for being a Capital One® customer, and please let us know if
there’s anything we can do for you in the future.

Regards,

Capital One
*****************************************************
End of second email from reply from Capital One

I could not believe my eyes. Being a Canadian I'm used to get a direct reply to my inquiries when I email my bank. I found it actually very funny, entertaining and stupid at the same time. Obviously Capital One does not care and they just copy and paste a reply and just go to the next email.

My last email to Capital one was this one below:
*****************************************************
Beginning of my last email to Capital One

Hi, is this for real? I was making a suggestion, why do I've to call
Customer Service?

Do you guys read the email or this is just a way to brush it off?

Interesting for sure, very funny!

Thanks

*****************************************************
End of my last email to Capital One

They just replied to my note again with the same crap to call them. So if I need to call why is that they have a secure email system in their website?

Yes sire, this company sucks. So if you get email notification from them be prepared to have to read a long stupid list of links at the very top of the email. This list is not only ugly, it is also a hazard, because it legitimates email links inside Bank Notification email and it may predispose you to click on a link inside a fake email.

So my advise to you is: NEVER, ever...click on a link on any email that proposes to take you to a bank site. Just type the URL in a browser yourself or use a link you had saved previously.

As a computer expert with a large Canadian bank I've seem my share of people getting their account compromised because they click on a fake link and got directed to a fake, but legitimate looking website, where they provided their bank credentials. The bank refunded the money, but some of the clients had so many issues with their accounts and mortgage and bills went unpaid and they had to waste a lot of time to clean up the mess afterwards.

As for Capital One: SHAME ON YOU. YOU ARE THE WORST FINANCIAL COMPANY I'VE EVER DEALT WITH IN MY WHOLE ENTIRE LIFE. BECAUSE OF THIS VERY POOR CUSTOMER SERVICE AND STUPID ATTITUDE TOWARDS INFORMATION SECURITY I WILL BE CLOSING MY ACCOUNT VERY SOON.

Thank you.



CLASS ACTION LAWSUIT 5/13/11
Capital One's main goal is to make your credit look bad so they can charge you higher interest rates period.
Last year they automatically slammed my account into a e statement category without my consent. The account ended up being 1 day late allowing them to charge the default interest rate of 29.9 % which then securitize into groups of accounts which are then sold to investors . It is now impossible to get your interest rate lowered.The only way to fight these guys is by shaming them in public and file multi-million dollar lawsuits.



April L 5/5/11
Shame on you Capitol One! You advertise "Hassle Free" and that is not the case.
They may as well be "Peggy" in the frozen tundra.



Frustrated 5/10/11
Capital One does not report to the bureaus the way that they should. My account was over the limit due to a mistake of theirs. They reported that amount to the credit bureau immediately. I have since paid that card down to $0, guess what...Capital One hasn't reported that to the bureaus and it's about time that they report that info. I knew someone that worked for Capital One in Virginia and she said that she left because she was tired of their unethical practices and the shadiness that they did with customers. She advised me that Capital One has had a negative effect on alot of peoples credit scores even those with good credit. To sum it up, Capital Ones wants your credit report to look negative to other lenders so that they can try to keep your business for whatever it is worth. Do bad, they quickly report, do good, they take their time reporting. BEWARE: IF YOU DON'T HAVE A CAPITAL ONE CARD, PLEASE DO NOT GET ONE AND IF YOU ARE STILL AN ACTIVE CARDHOLDER, PAY THAT BALANCE OFF EVERY MONTH OR AS CLOSE TO IT AS YOU POSSIBLY CAN!!!! The government really needs to regulate these credit card companies and change the way FICO is scored because that too is unfair how scoring is done. STAY AWAY FROM CAPITAL ONE!!!



Marie 5/2/11
Capitol One has some of the worst customer service people out there. When I called regarding my issue I was put on hold several times for lenghtly periods of time without anyone picking back up. When I asked to be given to someone who would actually speak to me, I was told I would have to wait. Finally I asked for a supervisior and was told there was not one. I let the tech know that there always is a supervisor around and that I wanted to speak to her/him. When I finally was given to Brett, he told me he there was nothing he could do on my issue (not my fault by the way - identity theft!) and that they would send me a letter. I told him I did not want their letter, I wanted the charges from the identity theft removed from my account - Capitol One has received written communication from both myself and my attorney on this, but Capitol One is choosing to ignore it. I don't know about anyone else, but I will not pay a bill for something I did not do, know about, or receive anything for. Capitol One was rude, unwilling to listen and to take this matter seriously. I have closed my account after having been with them for years. The worst company to deal with.



J Moore 5/3/11
Worst experience with a bank thus far! I called to get a ONE-TIME increase on my account to book a summer vacation. I was told, I had more than enough money in my account for the charge and no holds or over-the limit concerns--however, the amount of my trip exceeded my daily allowance and therefore they would not be able to allow the travel amount to be charged. I asked to speak to a general manager and he too agreed that all my funds were in order, but there was nothing he could do to help. When I asked to get a number to speak to a corporate manager, he gave me the name of Lynn (the VP of banking operations) but stated she would not accept calls from customers to discuss account matters. I stated I would like to discuss a concern reagrding operations in these circumstances, and he stated..."well, we have no need to ever contact corporate, therefore I do not have a number to give you." I asked if the call was being recorded so I might could have someone reference this conversation once I did reach a person in the corporate office, he said--yes, but I answer your questions, just not help you with your request at this time. So frustrated--closing my account tomorrow! DO NOT DEAL WITH THIS COMPANY--go to Bank of America!



michael martin 5/4/11
hello to whom is the brains behind designing the new banks in n.y area you get a big fat zero that is "0" that is rite i live in community of east rockaway l.i. ny u know where that is you just did something so wrong with my bank i am leaving your bank for stupidy on re doing this bank on modernizing, sorry you forgot about the coustomer, and in valley stream you really, messed up 2 flight of stairs atm downstairs never works you should do your banking there also. ohhhh again you forgot about the coustomer, very sad somebody that has a degree in common sense shoud go around and ask what you should do to make it right , i am going to different bank



Donald H. Lambert. 4/22/11
OUTRAGE Of The Week: Capital One Rejects Hunting Photo for Image Card--"Express Yourself. Personalize your card with an image of your choice."

That is the claim made by Capital One for anyone who wants to have a personal photo put on a Capital One credit card. You can even design it yourself online with a photo you upload.

But you can't use a hunting photo. Capital One considers them unacceptable.

To whom it my concern;

The above OUTRAGE of the week came from the NRA web site that I and millions of other American hunters are members.

I am a hunter and certainly am not any longer interested in doing any business with your company or affiliates because of your policy not allowing hunting photos on capital one credit cards, that is Un-American and a slap in the face to all the many hunters in the U.S.A. and the world.



Dedria 4/25/11
Capital One has the most horrific service and they are not tried and true but more like tried and not trusted. I have never in my life been given such run around, lies, untruths, gone back on their word and horrible service as I have received with this organization. It seems that there is no longer customer service available on the weekend as well. I'm trying to payoff an auto loan. I'm very close to doing so and will NEVER do buisness with this Capital One again and would never recommend anyone else use them as well.



Ms. H 4/13/11
Your customer services is very RUDE and NOT helpful at all. Very POOR service!!!! They even hung up on me!

Prior to my travedls, I called to let them know I will be traveling to another country. The first time I used the card, they restricted it for fraud. What's the point of letting them know my travel plans if they are going to block my transactions?

I have called the customer service 3 days in a roll and they would not assist me to clear up my problems using the credit card. They have left me stranded in a foreign country with NO MONEY & NO CREDIT CARD since they said it's going to be cancelled.




HOWARD SCHLEGEL 4/21/11
I wish I could give your company a minus 5 rating you suck. I paid my Auto Loan off & have my auto sold. I spoke to a representative who stated good news the title will be sent in 3 to 5 days He also stated that if I open a Fed-ex account the title would be sent fed-ex. I opened the account and sent the fed-ex account # into Capital One Auto Loan Title Department. After 6 days I faxed 6 request to expedite my title before someone finally called me. She stated that it will take 10 days to send the title and it would be sent out on the 17th of April. Another lye as she did not even look at a calendar to make a statement like that as that is a Sunday. As of the 20th of April I sent a message into the title dept. per your secure message center. What a joke!!! I received the same form letter the 3rd time this site is worthless. They do not bother to even look up your information. Next I again called the title dept. this time I received a voice message that stated my title was mailed the 19th. What the h_ll did I bother to open the Fed-ex account. Still waiting so you say it's in the Mail!!!!!



Angie 4/8/11
I share all of your sentiments. I too have had very poor customer service, they have garnished my wages and I have filed a petition for an exemption. The problem is with these people is that when you try to work with them on making payments, they start to demand all of their monies at once (NOT HAPPENING). Times are hard enough as it is; What I do not understand is if our President, bailed the credit card companies out of debt, well shouldn't the credit card holders of (Capital One Bank)debts be written off as well.



Anna Matthews 4/3/11
There is nothing in the english language that can ever the describe the nasty, low class, disrespectful people that work for this company. Nothing is too low for them to do. When my husband lost his job 2 years ago, we fell behind in our payments and although he did get back to work,it was taking us sometime to catch up on everything. Recently, capitol one repossessed the car and told us we had 10 days to pay the arrears and get the car back. They also required us to give them proof of income, a utility bill, 3 references(that could call and harrass) and proof of insurance. We provided all of that, paid what we owed ($1554.00) within the same week that the car was repossessed. When we inquired about getting the car back, we were told the car had already been sent to Orlando to be auctioned and that if we wanted we would have to go get ourselves and pay a fee upwards of $300. The person my husband spoke to was very nasty and rude and could care less, they had the money. They have no respect for the consumer. We just want our car back with the least amount of hassle, but that ship has sailed. Won't ever do business with them again and will advise anyone who will listen, to take their business somewhere else. Anywhere but capitol one



Sara 3/31/11
I called Capital one and asked for a credit card with a limit of $10,000. It was declined. However a few weeks later I get a call from them and they say Congratulations we just mailed you a card for a credit limit of $3000. I NEVER ASKED FOR THAT CARD WITH THAT LIMIT. The customer service lady basically said too bad now you have it. I told their manager Emily( who didn't provide me with a last name nor badge number) she said you can always close it. I told her it will affect my credit score, she had absolutely nothing to say to that. Capital One is a nightmare.



crystalb 3/21/11
i called capital one after i paid off my credid card to make sure the account is going to close and they told me that i still have un-paid interest charges they will not tell me the amount the customer service guy actually laughed at me when i called and rudely told me to call back on the 23rd so they could tell me the amount and he said it would be higher than what the last representitave had told me i will never ger another card through them they are rude and they are very hard to understand they don't speak clear english and they need to be better trained



SPL 3/10/11
Capital one Sucks! They took 200 out of my account when I told them to cancel my payment as well as my applicattion. They still took money out of my account and refuse to put it back in my account. They said it will be april 4 before I get my money back.



Debbie D. 3/5/11
Called Capital One to ask about the transactions i dont recognize. Service rep is very helpful and eager to help me. I found out that $100 charged on my card is just a preauthorized payment from the gas station and it was put back in my available credit after a few days. Not true that theyre rude, i felt their effort and sincerity to really help me out and satisfy their customers.



Mr. Arthur L. Starling 3/5/11
Capital one is worst rating ( -10) send out false 1099-c on collection on debt already paid off. Then if you try to speak to someone to prove yourself the pass you on on on to end up with nobody...Well, will see I send the copy of part of documentation of said pay off to them..That rude capital one is need to pack up it bags and get out of the state of Virginia..go leave the United State of America for false method of try to collect in debts. Then trying again several years later even after it been paid off...Look for any and all class action sues against capital one to help any and everybody..and the C.E.O. should be imprison wiht Bernard McDafee



Laura Adair 2/12/11
I Hate Capital One. Your CSR's call my boyfriend 20 times a day everyday and they call me about 5 times a day every other day. I wanted to put my Dec and Jan payments at the end of my loan, but when I called customer severs they told me NO I could not. That my money problems has not changed. I asked to speak to a manager higher than the supervisor I was talking to and he told me NO. I just do not know why someone starts a business and than get CSR's and supervisor's in there call centers and mess up how we all feel about Capital One. Something needs to be done. I am going to do the next step.



D.Y. 2/16/11
The customer service is awful, as they have asked me for the same documents 4 times. I cannot obtain a secured credit card what a joke!!!



SH*T COMPANY 2/10/11
THIS COMPANY IS HORRIBLE. PLEASE HIRE PEOPLE THAT SPEAK ENGLISH. ALSO, WHERE IS THE PROFESSIONALISM WITH YOUR CUSTOMER SERVICE REPS? THEY ACT LIKE YOU ARE BUGGING THEM WHEN YOU CALL FOR HELP! WORST COMPANY EVER. OH THEY ALSO REPOED MY CAR TWICE ON ACCIDENT! HAHA THEN I CALLED FOR HELP TO GET MY CAR BACK AND THEY TOOK THREE DAYS GETTING IT BACK TO ME. WOW



loyal chevy chase customer 2/4/11
Capitol one online banking system is one of the worst out there. I am very familiar with online payments and sick of the errors with online payments not posting, incorrectly reflecting balances due, and poor customer relations in the bank taking initiative to take action! They excuse it by saying maybe you're not use to our system. Captiol ONe is stuck in a time warp in the 80s and need to realize that is it the year 2011!! Online banking should be seamless but it is not with this bank. the interface is archaic and takes way too long and is inaccurate! Paying bills should not be this difficult. I am switching to Wells Fargo or Citibank --both have excellent ratings for online bill payer options. What's in my wallet? Hopefully not a Captiol ONe Card!!!!!!!



BusinessPartner 2/7/11
While thinking I was speaking with a helpful customer service person, after I had dialed the wrong Branch (I was looking to be connected to someone in particular from the marketing department), I was placed on hold--THEN given a number to some sort of sex hotline or some kind of adult phone service. I found this to be very unprofessional...What kind of business do they have running over there?



Mark 2/9/11
I was issued a new card as mine was set to expire. When I called the activation number, I spoke with Lacy. She was very nice as she asked me a few confirmation questions. I then asked her if I could get my interest rate lowered as I've been a long time customer and have always paid on time and over the minimum. She transferred me to Stephen, a senior account rep. He also was very nice but didn't have an interest lowering program he could put me into at this time. He suggested I make bi-weekly payments that would equal my total monthly regular payment. This would apply more money to the principle and effectively lower my interest rate. All in all, I was satisfied with my experience today.



K. Hunter 2/9/11
I wanted desperately to manage and pay off my cc debt, but your people would not work with me. I had no choice in the financial hardship I am going through, but was still trying to be responsible in paying my debt. If Cap One had worked with me, they could have been payed by now, instead of selling the account to collection. To be so very greedy and purposely try to keep hard working people in debt should be a crime. By the rest of the postings here, I see this is just business as usual.



Danielle 1/21/11
Capital one---- Horrible customer service. I've been a customer for 2 years and my apr is 23%. really 23% Wow, so i call them to have it lowered and they say NO!!!!!!!!! I was late on 2 payments. Really!!! Maybe like 2-5 days late on a payment and thats there reasoning for declining me. DON'T GO WITH THEM THEY DON'T CARE ABOUT YOU!!!



g. morley 1/23/11
Is there such a thing as 0 stars?? Capital One WILL win the award for giving you the "worst banking experience of your life".

MR. FAIRBANKS are you even listening????????



Anonymous 1/13/11
The poorest example of customer service I have ever experienced! I was cut-off twice; then the customer rep was unable to resolve a simple issue; and they waste time with the recordings; the memorized customer-speak; and frankly, who has the time to waste on a simple task that a well-trained rep could perform in 3 minutes or less. What's in my wallet? Not Capital One!



Frank Cavestani 1/13/11
I had a card with Capital One in 1999, it was charged off and closed. I was unemployed. Recently in January of 2011, having not contracted me or my wife in 10 years, Capital One sen me a bill for $5,195 dollars say that is the interested on the account they are now allowed to send me do to the NEW consumer protection laws. (Some protection!) Even though they admit these bills were sent to a collection agency which they were paid for the account and it was close. Buyer Beware.



John Accatatta 1/3/11
Got all you beat... had my wallet stolen, and the scumbags took out $400 from an ATM machine, capital one charged a $50.00 processing fee all this after I reported the card stolen, and was told that they TRIED to use the card twice once for $50 and once for $100 but they both were denied. Card was canceled and to my surprise I checked my statement on line a couple of days later and there was $450. Called Capital One and was told not to worry about it. So in December Capital One put the $450 back on my card and a Fraud Rep named Jamie V pretty much told me I took the money myself, because how else would they know my pin, I don't even know my pin. So yes their Customer Service really stinks, do not get a Capital One Card, poor service all the way around.



klietzke 1/7/11
I NEVER even opened an account with Capital One, but started receiveing emails and mailings about a credit card. This lead me to check my credit report and low and behold there it was. I have never had credit issues and always pay off my balances, so I was of course concerned and contacted the credit bureaus, Capital One, and others to help correct the problem. To my horror Capital One is fighting cancelling the card. They won't talk to me and keep demanding personal information. I NEVER provided them with the information to open an account in the first place, why would I give it to you now. And, of course, there is never anyone without an overseas accent trying to "help me" I can't believe that they would rather have a fraudulact account then try to correct a problem. I know credit card companys are having trouble lately, but I never would have expected a company to act like this. Absolutely disgusting ethics.



David Emery 12/31/10
Communications with your company is impossible. Multiple attempts (8) to talk with a representative in the United States could not be completed. We are from Missoula Montana, visiting Victoria BC, and all I wanted was to talk with anyone in the U.S.
Canada, Central America, South America will not work, and no one could transfer to call to any U.S. representative. Furthermore, no one will accept calls Salt Lake City from Victoria, and no operators are available to communicate in McLean Virginia.........

It would be nice to know if someone in Corporate reads this message
mvsunbreak@gmail.com



IHATECAPITALONE 12/14/10
Capital One is what's wrong with America, you have giant companies that forget who they are supposed to be catering to, not robbing blind with increased APR's and crackpot policies for their credit and transfers. I am transferring all my balances off these cards to other companies who don't make it IMPOSSIBLE to reach them.

Go to Capital One's website and you won't find an address ANYWHERE, that should be criminal. I should be able to drive to their headquarters and yell at someone if I felt like it!



Customer NO Service 12/6/10
Capital One doesn't really want you to pay on-time. They refused to take my payment because I wouldn't give them my full SS# number over the phone. I have been a customer for years and they have my personal info. I asked for the supervisor last name and she said she couldn't give out due to security reasons....duh but she wanted my SS#. I hung up and called back got another rep who processed my payment.



NN 12/6/10
I wish I could rate Capital One lower, like Negative 50 million. I recently found out that I have lost all of my "No Hassle" reward points. They supposedly sent me a letter stating that if I wanted to continue with the rewards program I had to respond to Opt-in. I do not recall receiving such a letter. I mean come on who would NOT want to Opt-in to keep a free rewards program? It makes NO sense. And how is that “No-Hassle?” Capital One is a joke. They have lost a customer in me, not that they care.



Speaking english in the USA 12/6/10
WOW does this companies CEO or anyone read these things I have gone through exactly what all these people have gone through my biggest problem is this WHAT THE HELL ARE THEY SAYING?????? my 10 year old told me to push the english button I laughed there isn't one! and on top of it they are the most rudest people i have ever talk to and no I'm not late! IN FACT NEVER HAVE BEEN as my pay days changed to two days later OMG ya would have thought I messed them up for years to come, I said I'm sorry I'm having a hard time understanding you she hung up on me who ever you are mr CEO or head of this fine company you must really not give a shit to have not one score higher then POOR SO TO ALL OF YOU OUT THERE IF ANYONE IS FROM ARIZONA CALL 3 ON YOUR SIDE I DID AND THEY WILL INVESTAGATE AND PUT THEM ON T.V FOR THE WORLD TO SEE. HAPPY HOLIDAYS TO ALL AND CAPITAL ONE YOU ARE A SORRY COMPANY!!!!!!!!!!!!!!!!!!!!!!!!



CCarey 11/22/10
I haven't had my card for a good 2 hours when it was suspended. Was told that my password was set and I could use at an ATM NOW. Went to the Atm and needless to say it didn't work. Tried several times got locked out of atm. Called from grocery store (on their phone) and was was told that the pin would reset by midnight, oh no 24 hours oh no midnight. Then finally told some 45 minutes later that it could take up to 2 weeks for them to send me a new pin. I only had the pin for about an hour. Was given suggestions by a manager (HTC984) very nice and tried to help. Told me to try a cash advance with my bank tomorow. Came back home did the cash advace onlin and the card was declined. Called back in and spoke to "Mr. I am so bored with ths conversation Jeffrey (CSK411)" and was told by him my entire card has been suspened. That happen from thetime I hung up from the mangaer got in my car mad a 5 minute ride took another 5 miutes totry the cash advance be declined and call back to Capital One. What kind of crap is that. Now I have to send in my first born child to get my card unsuspended.



u have to be kidding me 11/23/10
attempted to pay off my credit card. Manager in CC department had me on phone for almost 30 minutes....still not done as I hung up. I requested she connect me with someone above her as she could not complete the pay off, she told me NO.
If you like wasting time, this is the bank for you.



Susan smith-Biagi 11/24/10
I am furious. When I received a call from Capital One to see if I could "make up a payment that I was behind on" I was more then willing to do this and set up a 3 month plan for them to take additional money automatically from my account. Yes very stupid thing to do!!! On the final month, they automatically took out two payments within 2 weeks. It ended up being $818. When I called to tell them they put my account in the negative, they proceeded to tell me that they can't put the funds back in until I do a dispute letter AND then it would take up to 3 buisness days!! All this was done on a Friday leaving me without funds for a week-end and then into the next week. Well I am here on that third day, with $130 in NSF fees no money for food and no money for gas. I have borrowed money from friends, and family and now my son is out of medicine that he needs and I can't get them! I filed a complaint with the Attorney's General office and I called my local news who does stories on consumers in trouble. So maybe I will be on the NEWS! OH this has been fun!



Shelby Guy 11/3/10
This is concerning an auto loan: Due to the economy I lost the ability to make a payment on time. I called Capital One Auto Finance (got a call center in India) and requested a deferment. I have had the loan for 4 years with NO late payments. I was told by the first representative that I did not qualify because of my credit score... what the heck does my credit score have to do with ANYTHING. I asked him this and his response was: it is the system that says we cannot do a deferment; I cannot override the system. I asked for a supervisor and he said there are no supervisors here. I wound up arguing with him for a half an hour before he told me he would place me on eternal hold I then argued that point; you cannot do that. I finally got him to transfer me to a supervisor. Guess what? He told me the same crap. I asked for a corporate number and he said he did not have that information. He asked if I wanted a call back in 24 hrs and I said no I want to talk to someone who can help me now. He said there is no one here above me. I finally agreed to a call back... you know the answer this one - No call back the next day, or the day after that.

My husband called them the day after the call was supposed to come. He easily had the situation escalated to a manager and was able to get a deferment - for $35! Good and bad; the $35 is just that much more we have to save to make the payment. It makes no sense whatsoever.

Capital One is not now a lender I would ever choose - they were chosen by the dealership where I bought the car. If you plan on auto financing, steer way clear of Capital One Auto Finance.

For those who need it the corporate number is: (703) 720-1000
1680 Capital One Drive
McLean, Virginia 22102

This was written by the husband of the woman with the car loan. To all of you dealing with Capital One Auto Finance; best of luck. If you want to file a complaint go to rippedoffonline.com



Mary Keene 10/25/10
My account was closed by me the end of last month with a credit balance of over $8,000. I'm now having trouble getting my refund check back for the over payment. Now wouldn't you like to be in this situation!



Doesn't matter 10/21/10
When does it matter to the Corporation when you have someone in charge of Corporate Security Services using contract security guards as Security Consultants? Apparently, it doesn't! You may want to take a look at your Dallas/Plano location off of Preston Rd..

Even your contract security provider knows about it! As a prior "client" to this "contract security" company, I would highly recommend re-evaluating the quality of services you are actually paying for. Don't let "made up" claims be your guide!



Bil Jenkins 10/13/10
Capital One is an extreme case of a credit card Company that has off-shored its Disputes Department to a Costa Rica call center which has personnel that are extremely not reasonable and not helpful in resolving a dispute charge.



GakkyGreen 10/10/10
Yes, the customer service reps are rude, for the most part. My strategy in dealing with them is to just hang up on rude customers service reps and call back until I get someone that is (a) competent and (b) civil. Just today I noticed that I was being charged a finance charge (and I pay my bill in full every month). I called to question the charge and hung up on two reps before I found one who was able and willing to assist me.



Angela B. 10/9/10
People need to start being repremanded for simple "mistakes". We have to talk to 500 different people before we get a correct answer. Capital one took out our entire balance form the bank instead of the minimum payment. We were told it would take 3 business days by TWO different people. Three business days passed, no refund. Then we get on the phone and they say it will take 3-5 business days. So we finally talk to a "supervisor" who says it is 10 business days!!! We have yet to recieve an apology for all the mistakes that have been made with our money!



Disgruntled Customer 10/6/10
This is the worst company I have ever had the misfortune of dealing with. They hide all the access numbers and redirect you to other companies so you can't even call headquarters and complain. to mr smarty pants who said pay off your account in full stop complaining...the one month i had the money to pay off my account in full they CHARGED ME FOR PAYING OFF MY CARD!!! so ridiculous! what an awful experience dealing with this company and their bank is just as awful. never ever EVER again!



Emi Sciole 10/5/10
Capital One wanted to get rid of me so they wanted me to accept 17% instead of my current promotion of
5% then they sent out information printed in very very small print, that if I do not accept the 17% ,they would cancel my rewards accumulation.

Ah yes.... the land of plenty, milk and honey and they could care less.



Mark Hadley 10/5/10
To the wise ol owl who suggested that people stop complaining....yes, if one could pay off each month that would be great, but there is no excuse for Capital One to be rude, and sometimes downright incompetent.
There are so many complaints and you wll notice there is a pattern of rude and ignorant personnel.
I suggest that is because Capitol One hired any one that can breathe and say no, rather than a person properly trained on how to speak to the public. Capitol One is rather pitiful. One can only imagine how much the top people steal per month as their salary....hmmm



9/28/10
there are such a thief, i try to open an account and they told me that they cannot, they made me write a check for $50, before the account was approved. They told me to cancelled my check, and at the same time they deposited a copy of my check to my original bank and i was charge. trying to speak to someone about this with all the information my bank provide to me, and they keep giving me the round around.



Louis P Bergin 5/7/10
All I needed was a demand for payoff on our Capital One Credit Card, and I get bounced around and left on hold before being disconnected. Since I can't get a lower interest rate, we want to pay and cancel.



Amy Somsichack 5/15/10
The customer service is very poor. The employees are very RUDE and will say anything just to have customers stop complaining. One of the customer representative did say "Did you not hear me I am going to to connect you the Credit Manager that can help with that situation." In my opinion that is not how you should speak or treat a customer.



Catherine Price 5/21/10
Not only RUDE, but also useless, describes the customer service rep with whom I spoke today. She was an automaton who couldn't (or wouldn't) answer simple questions, repeating the exact same response to different questions. I will try to find another avenue to get the information I need/want.



Constance Castellon 9/7/10

Your phone Advisors are some of the rudest, most arrogant ,individuals I have ever come across. Regardless of the fact that it was a long holiday weekend, I received 14 phone calls between Fri. night and Monday morning. Not to mention the calls began at 8:15am. Your practices are as ancient as the characters portrayed in your commercials. Exactly how many times is it necessary to repeat the same thing. My answer will be the same at 8:15am as it will be at 9:00 am. I gave you a payment on the 23rd of March. Why are you already calling for more? "Oh, I see, not the amount you were looking for?" Perhaps you need to go after the deadbeats rather than those of us who do our best to meet our commitments within the budgets we live on.
I am an Adm. Assist. in a call Center. All I can tell you is if any Advisor on our team chose to speak to a card holder the way some of your loud mouthed badly trained customer service agents do, their heads would spin as they were tossed out through the Human Resources door. It is just as easy to catch flies with honey as it is with vinegar. Please do teach your agents how to document....By the 14th call I'm ready to spit bullets and have no time to waste with ignorant bad mannered people.
If all of the above are your way of running a company, thank God I have already cancelled my card.
I intend to report you to the Better Business Bureau and better yet, ignore Capital One calls. You ought to be ashamed of your practices!






never doing business with capital one again 9/8/10
I am disgusted by the piss poor customer service capital one has. RUDE,impatiant, unprofessional.They added $300 in fees due to a payment they screwed up on processing. Now im paying my car off and they wont budge an inch on these fees. They do not give a damn about a 6 yr long customer. I will NEVER do business with these jerkholes ever again!



mo 9/17/10
Worst customer service I have ever experienced. Do NOT do business with Capital One!



B. Dison 9/17/10
Well I had financed a car in 2007 that I paid off at the beginning of 2010. When I paid the car off I did not remove the bank from my list of payees through my bank so I accidently piad them again in August (busy and not thinking). I figured since the account would be closed they would just send my check back, I watched it for a while on my bank account and they didn't cash. Until weeks later!!! When I caught it called and they told me they had credited it back to my bank account, however once I got off the phone and checked they did not. Now I am on the phone with them and they don't even know what I'm talking about and don't want to see a copy of the cleared check!!!! I am so frustrated. I did give them 3 stars but only because this is my fault for sending the check in the first place.



MA 9/13/10
CAPITAL ONE SUCKS!!!!



Pamela Curtis 6/11/10
I have a trust with Capital One and I have spent 2 days on the telephone and the computer trying to talk with someone on a coporate level concerning a very severe problem with the trust department. I have not only gotten the runaroung for 2 entire days but I am no further than I was when I started. They have my money and refuse to release to me what I requested with proper documentation I guess one has to go to the media to get a response



Tired of Complaints 9/5/10
Nobody is forcing you to use credit cards. If you don't have the money to use it and pay it off in full each month, don't bother! All of you people complaining have your life problems and it's not Capital One's fault you're just trying to make it their fault, that someone is sick or lost their job. You're all adults and in the real world so nobody can help you anymore, get over it! Also, interest rates have been raised industry wide, so again pay off your account in full every month.



catherine whitelock 8/24/10
I would like to just once get someone who speaks english not someone in a foreign country. I have a serious breech in security and no one seems to try to correct it. Yet they want me to pay for inactive account that was closed years ago what a company! will never consider doing business here again capital one sucks!!



jc 8/28/10
Today I received in the mail my new Capital One credit card. Needless to say, I'm supposed to activate it, so I called the number. The computer asked me for the number, last four of my social sec.#,etc. I was waiting for 5 minutes, when someone came on the line, and proceeded to ask me a bunch of questions, short of asking what I had for lunch. He put me on hold, and 10 minutes later I was disconnected. I called again, and went thru the same ordeal, only at the end the lady I was talking to asked me for my s.s.#, and very fast asked in what state I got that number. I was told, when I asked for the reason for that type of question, that they ask that question to "some people"... Amazing. I guess that's the way they treat people if you talk with a slight accent or your last name is not "Anglo". I asked to talk to a supervisor,very difficult to understand, who proceeded to give me a number when I asked for the department handling complaints. When I called that number, the only thing I got was a noise like the one I used to hear when trying to connect to internet thru the dial-up system. If a company is measured for the customer service they have, in a scale of 1(the worst) to 10(the best) I would give this company a minus 1. The worst customer service people I had the displeasure to talk to.



D. Hill 8/30/10
Capital One made several hard inquiries on my credit report when I applied for the new card. As this negatively affected my credit score, I called and asked why? I was told a letter was sent to the credit bureaus requesting that the hard inquiries be changed to soft inquiries. I asked for a copy of the letter and was told by a "supervisor" that he can't send it to me. I asked if it was sent electronically or hard copy via US Mail and he stated that he did not have access to that information. I asked for the corporate address, again, no access to the information. You mean to tell me that you don't have the corporate address to your company??? Really? Capital One sucks! Their "customer service" is worse than Sprint and believe me that's really ridiculously poor!



Lucille Haley 6/24/10
I paid off my Capital One Credit Card because of the increased interest rate from 8.9 to 17.9. I then was given a promo of 10.9. However before the due date my balance due was paid in full and I was still hit with a finance charge of $79.

I was told that they could give me a reduction of $20 on this charge if I opted to take the Rewards card. I asked to close out my account and return my credit which is now lowered to $221 and I was told I would get within three business days. Now its two billing cycles before I get it since I closed out my account. I want my full credit.
Very Poor treatment for being a customer of 12 yrs with good credit.



Capital one is not a good company 8/20/10
trying to cancel my online application and they transferred me to someone in the philippines. They wont tell you the virginia number! NICE LOL

You need to provide your social Security number. Hope they can do it because they were going to charge me 19.8% for a transfer APR, that is ridiculous!

I suggest not doing business with them. Their customer service wants to try to get rid of your asap if they can or send you to the phillipines!




Larry T 7/26/10
The customer service at this company is the pitts, they are very rude, refuse to offer any assistance. I would encourage you to contact their corporate telephone number I called (703) 720-1010 Spoke with an Elliot Buettner he is also very nasty..... The only way this company will ever change is to call everyday flood their switchboards until they learn how to treat customers with respect.................



Martha Watson 6/30/10
If there was a rating that I could give that's below -0 that would be my rating. The customer service is poor the representatives are rude and they place you on a blank phone line when they no longer want to talk with you about your situation.

After having a car lon (paid off) two credit cards (one paid off the other to be today) My office phone with several lines has been on hold for an hour and 12 minutes now when I asked to speak to a supervisor. I spoke to "Julien" and "Nick" if that's their real name. A similar situation happen a year ago. I paid my balance off to my account and in that billing cycle after I was charged a $59 finance charge. When I disputed the charge I was told that the only way that it would be taken off was if I closed my account. A long standing customer and my account was closed over $59. (Do the math) you would have earned that and more if the account was active.

This situation (other card small limit)I couldn't access my account online, after being told that I had a balance by a representative who called me last night. I submitted a western union payment to pay the account off in April. When I called in I asked for technical support, and the representative began arguing and demanding that I make a payment. I told him that I was not making payment until I access my account and check it. When he continued I asked to speak to a supervisor and that has been 1 hour and 37 minutes ago and counting. No one has picked up the phone. HORRIBLE, DISRESPECTFUL, you do not value your customers and you will continue to lose customers if something is not done to train, revamp, and clean out that sewer that you have titled customer service.



Theresa Blair 7/7/10
I closed my account on 6/27/10 was told other charges could go though. Well one went through on 6/28 and another on 6/29 paid those quickly and spoke to
stepanie(TSW789) on the 29th and Cheanne(yzn587) on the 30th. Cheanne assured me my acct was paid in full and closed. I could just call if anything else came up. I went online 7/1 to see a .03 credit spoke with jason(CTb653) reguarding that and he assured me everything was good and the acct was closed. AS we all know that was a line of crap.They charged me 59.59 interest on a zero balance and said this could happen for 2 months according to jeff(RAB492)who also stated there was one else to speak to.I hung up rudely with him and decided to file a dispute. Apparently you can not do this on interest charges as i was told by Melanie(ABM492)so she put me through to a sr.acct manager Jennifer (DWL475). She left me on hold for a few minutes.When she came back she sadi it was taken care of i should see the balance retracted as of 7/10 the latest. Of course the trust factor is lost. I believe there practices are very deceptive.And keep in mind whenever you call them its a canadian exchange. All the people listed above were working in canada.Please stick to your guns call your local attny general and tell them. They are a very shady organization. DON'T GIVE UP!!!!!!



Judith Christopher 7/9/10
I had both a credit card and a loan with capital one.
I called to tell them that I could no long pay the payments due on each due to the illness of my husband and some health issues for myself. capital suggested lower payments for a short term. I agreed, this turned out to be for 3 months. I paid the three months under duress (medical bills take precident). AgaIN.I told capital one that I could no longer pay.
Now I am being harrassed by telephone calls (19 calls in a day and a half). this after I asked them to contact me by mail.
Now I am going to report capital on to the Better Business Bureau and to the NYS Banking Commission. These continious call have stressed a sick man aged 81 and IT MUST STOP.



Jimmy Harmon 7/23/10
7/22/2020 I called Capital One and spoke with Curtis Rep #SGD 776 senior account manager about a finance charge that had been charged to me and taken away from available credit and put back into my current balance. Curtis Rep #SGD 776 senior account manager informed me that the interest charge was just like a purchase charge and it taken away of my available credit. Curtis Rep #SGD 776 senior account manager bandy this point back and forth for over 10 minutes trying to get this straight in my head. How Capital One can charge interest as a charge but yet it is not a charge because I did not purchase anything to me that is dirty financing are that is how President Obama put it in the new bill he just signed into law. Does this make any sense to anyone out there about this interest charged as a purchase but it is not a purchase but I did not make a purchase but Capital One classifies it as a purchase. At this point Curtis Rep #SGD 776 senior account manager arrogantly stating that it has been that way from the dawn of time. I was then informed that my interested rate had gone from 10.0% to 17.0% from February 2009 to 2010 I went through the ceiling that is a 7% increase in just one year that is ridiculous and Curtis Rep #SGD 776 senior account manager told me that they were not lowering interest at this time. I ask Curtis Rep #SGD 776 senior account manager to speak to someone above him and he said there was no one above him. I told Curtis Rep #SGD 776 senior account manager that everyone has someone above them and I badgered him until he told me that his supervisor was Gloria and I ask to speak with her and Curtis Rep #SGD 776 senior account manager told me she does not get involved in the day to day operations of speaking with customers. I ask Curtis Rep #SGD 776 senior account manager if Gloria had a Rep number and Curtis Rep #SGD 776 senior account manager said no. Capital One has got to have some of the worst, NO the worst customer service I have ever dealt with. I told Curtis Rep #SGD 776 senior account manager that I was going to write Capital One Headquarter and that is when Curtis Rep #SGD 776 senior account manager really got arrogant and asinine “you do what you want but it will not help”. People out there it is time for the people that have credit cards to put a stop this blood sucking from the credit card industry write your Senator’s and Congressman’s to put a stop to this.

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