Capital One
Reviews and Complaints

I purchased what turned out to be a fake collectible. To keep this short after exhausting other options I disputed the charge with Capital One Canada, and after going up the chain got a full refund with a letter that said if they were going to rebill me they would let me know the other party had supplied convincing documention for them to rebill me. On Feb/1/11 they rebilled without ant notice and no one will provide me with info. about why including the Capital One Omsbudman. This company REWARDS A CON ARTIST BUT RIPS OFF THEIR PAYING CUSTOMER. I WOULD RECOMMEND AVOIDING CAPITAL ONE.

Back in mid December, I received a credit line increase on my Capitol One credit card, shortly thereafter I received a letter from Cap One with checks to use to make it easy to use the increase. I did and wrote a check in late december for $1000 to a company. About Jan 24th, I received a letter from Cap One that they had made an error and the credit line increase in December was somehow doubled in error and that they had reduced the credit line - 2 days later I received a notice from the company I had written the check to that it had bounced! I can understand making an error but they should honor committments. I contacted Cap On their "Secure" email many times and all I received was "sorry and tough" replys. I am 60 years Old and have never written a bad check until Cap One came along. I have taken care of the bad check and have also filed complaints with the Attorney General.. All I can say is If you get a increase from Cap One, Never use the checks - they will turn you into a criminal bad check writer!

On sept. 26, 2009 a fraudulent capital one counter check was cashed at the capital one bank in babylon, ny. The check was for $4500 and was drawn on my capital one account and made out to my son. It was obvious that the check was fraudulent. The forger even misspelled my son's last name. My forged name was a copy of my poorly scanned signature from my bank signature of 20 years ago. My signature only exist in that form in capital one's computer files and on the forged check. It was obvious that a capital one employee was involved. Capital one would not allow me to give their investigators the proof that I had that showed a capitl one employee was involved. Suffolk id theft told me that my son was the person that cashed the check and would arrest him if I did not drop the complaint. I did not drop the complaint. When nothing was done for almost a year to find the person responsible for cashing the check and stealing my son's id. My son and I did our own investigation and gave our information to the 2 new detectives that were assigned to the case. They verified our information and arrested a capital one bank teller for id theft and a class "d" felony. Capital one had fired the teller 2 months previous to the arrest but according to the detectives never mentioned it to them. Capital one let the detectives go on thinking that my son was the perpetrator. Turns out the teller is 5'-2"tall my son is 5'-10" tall. The teller was 21 years old my son was 31 years old. My son did not look anything like the teller. The teller still had my son's stolen driver's license when he was arrested. They may be more than one capital one employee involved. The original id theft detectives are being investigated by "internal affairs".

I recently (after receiving offers from them every 2 weeks for 3 months) opened a new Capital One Credit Card Account. I received my card a few days ago, phoned the number given to activate and set up my PIN...of course I had to first listen and respectfully decline their offers of insurance, fraud protection etc. (a 20 minute process). Within the hour I stopped at a Bank's ATM and attempted a $100 cash withdrawal only to receive an "unauthorized transaction" message. I promptly phoned the number given on the back of card and was told that my account had been suspended due to suspected fraud prompted by my transaction attempt. Are you kidding me! Why had nothing of the sort come up when I activated my account not even an hour earlier...furthermore, they have my phone number (which was verified along with all my other identifying information when I activated the card) Why did they not call me?! Their reply was that they waited for the card holder to phone since someone fraudulently using the card would not bother to call...that is absurd! Then, after many phone calls to finally be able to speak to a supposed manager (they all claim to be the highest one up) I was given a list of items to fax to them to prove my identity...3 days later this issue is still not resolved (they couldn't read the driver's license...but didn't bother to phone to let me know that either...even though I gave all my contact info in my fax cover sheetand asked that they phone with any additional questions)...I really think they were simply trying to sell me the insurance, fraud protection, and monthly credit report crap and that since I declined having those charges put on my card they are now looking for a way to rescend their credit offer. I am unable to get to anybody within that organization with any authority to help me. It is seriously the worst customer service I have experienced in a very long time, like you every time I call and am transferred I am disconnected...and there is no way to deal with just one person, so you have to go through the whole history each and every time you phone. They really need to get their act together, and I would love to be able to contact someone higher up in their organization.

Capital one is the worst bank ever! i am a victim of fraud they are giving me the run around! I filed a complaint over a week ago and still havent received my money! Over $600! My money is currently pending the official post and i am still waiting. I have been with credit unions that give your money back or half back right away this bank didnt help me out at all! i cancelled my card and everything and i went to the bank and they asked me if i had my card? for what? why the heck would i carry around a cancelled card?! i was also told to put a hold on my account just in case and was told later on that my money cant post unless the hold is off! please train your people capital one. im sorry i am leaving this bank asap and sticking with the credit unions...oh yeah i was also told that they cant refund me over draft fees due to someone stealing my money! come on now! worst bank ever!

I just took out an auto loan with Capital One Auto Finance in late December. My first payment isn't even due until February 1, 2011, yet I am receiving 6-8 calls PER DAY from them on my cell phone. When, after dozens of calls, I called the "877" number they provided, I was told they were calling to "welcome" me.

I provided my SS# and when they started asking questions about my address, phone #, employer, etc., I cut them off, stating that NONE of that info had changed in the 2 weeks since I took out the loan and that all I wanted at this point was for them to STOP calling me. I was told that they would remove me from the "welcome" call list, yet I'm continuing to receive calls.

I've called three different phone numbers today trying to find someone within their organization who can make the harrassing calls to my cell phone stop. I now have a message in to someone at their Corporate office in McLean, VA but am not optimistic that the calls will stop. I've never seen a business organization that was so intent in *** off a new customer under the guise of "welcoming" them. I don't need to be "welcomed". I just want the payment coupon in the mail each month and to be left alone unless/until I'm late with a payment.

I have been with capital one credit card for about 10years in the last year i went over my limit by 2 pounds and obviously got charged. As they stopped sending me statements this amount accumulated as i kept up my normal monthly payments (which were not enough). I requested that the charges be taken off my account which they declined. In the meantime i lost my job and was on benefits sent them covering letter with income and expenditure form with offer of payment. which thery declined and kept piling on the charges. they have passed the debt on to collection agency which are hounding me approx 20 calls a day. sent duplicates to debt collection company of correspondance. They will not except my offer of payment. But atleast all interest and charges have been frozen. I have stated about the justice act 1970 and they have stated over the telephone that they will still continue to call. I have offered to pay the debt in full minus the charges but they will not except. whats my next route and ideas?

Got a new phone number for my work. Apparently, the guy who had that number before owes Capital One Auto Finance money for an Altima. The creditors call ~2-4 times daily and it is completely useless to talk to anyone (they are useless themselves)and very unhelpful, especially if they feel the slightest bit of defiance on your end.

After trying different angles and wasting about an hour of my life, I got to a worthless piece of flesh that was obviously not management material, however claimed to be a "account manager" and "no one above" his position and will "stop the calling". Although I talked to an individual so far up the chain of command, the calls continue.

If you google "Capital One CEO", you find a link that has a possible address to the CEO of Capital One at their corporate headquarters in VA, the Attorney General of VA and the Commissioner of Financial Institutions of VA. As a potential customer, I will never deal buisness with this company (especially after seeing the complaints) and I will make it a duty in my life to encourage others to do the same.

Trying to get a lien release faxed to me at 3pm AZ time to complete a car sale. But East coast office to which I am transferred refuses to do so until Monday because the order has to be by 2p East coast time. They were very nasty and continued to explain they were closed tomorrow, so I would have to wait til Monday. Most likely losing a car sale over this as I need the lien release today. What company in this day and age doesn't have 24/7 service nor can't service their west coast customers at THEIR normal business hours.

I received an offer from Capital One for convenience checks with a promotional rate of 5.99% as long as checks posted by 11/15/2010. So I wrote two checks on 11/7. The first posted to Capital One within a few days and I received the promotional rate on it. The second posted to the Capital One card on 11/15. When I received my statement though, I did not get the promotional rate even though the mailing clearly stated in multiple places the offer was good through 11/15. Thankfully I kept all the paperwork. So Capital One is INCORRECTLY charging the wrong interest rate on this transaction, a much higher one of 17.9%. I phoned Capital One and was on the phone for 30 minutes with a representative stationed God-knows-where who could not help. The supervisor he transferred me to was better; she is sending this over to another department to review. Just in case that is not enough to get this corrected, I just wrote their "disputes" department, and am sending copies of all the paperwork I saved, including the initial offer which clearly states "must post by 11/15. Here's what I am sending them, minus of course the dollar amount and other information that is personal. And my caveat to you reader, is to save paperwork and check your statements carefully, especially when dealing with Capital One. I am writing to notify you that you have made an error in the interest rate being applied to the transaction dated November 15, 2010. That check qualified for a special transaction rate. Please see the following attachments: Attachment A – copy of letter from you “Dated Notification” . It states “Act by 11/15/2010 and get a 5.99% APR for 12 months. It also says “limited-time”…. “must post to your account by November 15, 2010. Attachment B – copy of second part of letter from you, right above the checks you sent. See the section titled “Use-by-date”; it clearly states “these checks must post to your account by November 15, 2010 for the promotional APR to apply. Attachment C – copy of statement from you showing that the check for $xxx posted on November 15, which means it qualifies for the 5.99% interest rate. Please rectify your error immediately, adjust the interest rate retroactively to the 5.99% rate that should have been charged. Otherwise, I will be taking legal action.

Since capital one bank somehow took over chevy chase bank, they first said they wouldn't be changing anything. Wrong. They changed everything! They run debits before deposits every evening run, and they do it in a way that they can bilk every cent from every customer they can get. One chaek for $125 resulting in a $12 overdraft, cost $70 in fees, as the very next night my paychexk went into the bank, and they ran debits before deposits, collecting again for online bill payments that normally would not overdraft my account. They do debits before deposits and by paying bills online, they get you every time. They are the # of the earth, thiever and crooks.

Do not do business with them, if you do, find another bank, these thieves will eventually get you

I was a customer of Chevy Chase Bank. CCB merged with Capital One Bank and I was transferred to Capital One Bank. Ever since this transfer I have had trouble with the Bill pays. This month I notice a Bill pay scheduled for Dec 15 to my Mobile Phone company had been debited to my account on Dec 13. Additionally, I was charged 35$ for not having adequate funds to meet the bill pay. When I called the Bank to ask why I had been charged 35$ and why the Bill had been paid out before the sceduled date, they referred me to clause 7 of the Bill pay agreement which says that laser transfers can be paid out before the actual scheduled date. I told the Bank this is not good enough, because a customer cannot plan their financial portfolio if the Bank is paying out bills before they are due - all at their whim and fancy (because they do have a choice to reject the payment if it comes in too early). This is just not good enough in a competitive banking world. I never had this problem with Chevy Chase.

Orchard Bank sends me several emails a day regarding my account with them and I never have had an account with them or never will. They also send emails simply to try to get me interested in their credit card. I have written them several times over the past few months, asking them to stop the emails. They always write back and say to be removed from their list I need to write them a letter with my name, address, telephone number, and signature. I then write back asking them "why would I supply you with even MORE information so you can harrass me with regular mail and calling too?!" They do not have a right to email to begin with, so no customer should have to write them anything and waste a stamp! Even though I tell them to remove me and that I will not write them, they just send the same email. There is nothing that can be done, as far as I know, regarding this company.

I have been living in Thailand for over 3 years. We came over here with an Orchard Bank credit card and told them we were moving here. After 2 weeks here, we tried to use the card and it was declined. Every single time we have tried to use it (over 30), it has been declined due to high security risk and we have to call so the transaction can go through. This is very inconvenient and the last time we tried, we called first and tried to pre-authorize the transaction we would be making in the next ten minutes and the rep said it would be fine. We used the card, declined again, and we called. They said we would have to wait an hour until the security department got in. That doesn't work when you are at a restaurant. This is absolutely the worst card I have ever had. I emailed customer service with this complaint and their response was to call Orchard Bank credit customer service, which I have done over 30 times. AVOID THIS CARD IF YOU PLAN ON USING IT OUTSIDE THE U.S. WORST INTERNATIONAL CARD EVER!

We are behind in our capital one payments and we are financially struggling due to a recent job loss. We are trying to get capital one to lower our interest rate and they will have no part of it. They want us to make 9 payments before they will lower our interest payments and i have expressed to them that we cannot make the 9 payments at the current dollar amount. We are working with a financial consultant who said we should ask capital one to work with us but we are getting nowhere. The fact that we cannot make the minimum payments is hurting our credit rating. Is there anyway i can get them to work with us? Your help is appreciated.

In February of 2007, I purchase a vehicle from Capital One Auto Finance. My payments was due on the 25th of each month before my due date I would recieve Harassing phone calls two weeks prior to my due date for payment on this car. I was told be a repersentive that I was place on a call register for payment on this vehicle and that they didn't have a way to cancel me off this register. How its 2010 in my financing is not what it has been I talk to a repersentive in the repo dept and told them I would like to volunteer to return this vehicle to them I was told I could apply for the hardship program if the vehicle was 60 days late and that they would send me an application to apply. Since then I have recieved harassing phone calls at lease 3-4 times a day from the same dept that said they would help in this matter. This is very disturbing and annoying to have someone say that they will help and still have their dept continue to harass you in the precess. I feel that Capital One have a very unhealth business practice to the consumer in the matter of doing business with them and this practice sould stop.

Dear Capital One, I have asked numorous times to quit calling me every day! I will not answer the phone! I have no job! Car, House-which was foreclosed on due to the death of my Husband. I dO NOT WORK! I have nothing! Not even a bank account! I am tired of being harrassed every day! and I'm tired of all the foreigners taking us Americans jobs! When you call I can't even understand You foreigners! So, don't call! You won't get any money out of me because I have none! I can't help the situation I am in! That was uncontolable! You don't care about the consumer at all! I will never get a loan thru you again in life!You have made me mad, angy, hostile and I'm not a hostile person! You have harrassed me for over a year! So, please give it a rest! You can't squeeze blood out of a turnip! Can u understand that? I am asking you again quit calling me---Peggy Palazzola! If, you do not quit calling me, I will take futher action even, if that means getting a Lawyer!