Comment by Donny

February 22, 2006 @ 6:31 am

Hey guy heres some great info..
Use “hoovers.com ”
Look up the name of the company the president’s name is Richard D. (Rich) Fairbanks call in like your a old collage buddy then when you get the asst ( who wont) ask her for her extension ” in case you get disconnected” then pass the # to all your frinds that have problems to contact her then maybe they will get the idea of “NO HASSLE” their # is 703-720-1000 her name is Susan … inter office extension # 4211010
i think a girl named Kimberly works in the ex. office as well…. good luck
by the way check out citi card they seem to have a great points card and by consumer report they surpass “capital dumb” in customer support look up there “Permier Pass Elite” better point system then capital one

Comment by JMconsumeradvocate

April 11, 2006 @ 10:32 am

Hi,

I am a lawyer in San Francisco with an extensive consumer practice and I am interested in speaking with you about your experiences with Capital One. As you know, their practices are deplorable. I would be most appreciative if you would call me, collect, at 415.288.4545. Thanks very much.

Jacqui Mottek

Comment by Bob West

October 7, 2006 @ 8:32 am

I too have been screwed over by Capital One. I closed an account in Feb with a zero balance. 8 months later I’m getting bills and letters from collection agencies. They say that there were charges to the card after I closed it out. Makes no sence to me sence it was closed how could anything be charged to it? Now I’m getting my credit ruined and will have to get an attorney to help in this matter. I’m not going to pay though. I acted in good faith and I’m now getting screwed. …. Also, I closed my other 2 accounts with Capital One with zero balances because of this. I asked the woman I was speaking with to make sure there were no re accuring charges to these accounts in which she said no there weren’t. I looked online 2 days later to find that there is $11.24 against the amount of the credit line. It doesn’t acctually show a charge but the full amount of the credit line is not available either. Here we go again. I need some help with this. If anyone has any suggestions my name, cell number and email are below.
I’m going to revert back to burying my money in mason jars.

Bob West
bobwestishere@earthlink.net
225-610-5264
I’m going to revert back to burying my money in mason jars.

Bob West
bobwestishere@earthlink.net
225-610-5264

Comment by Michele

November 1, 2006 @ 9:05 pm

I just got my latest Capital One Visa statement and noticed a $2.61 finance charge. I checked the previous statement and noticed they had added a $5.80 finance charge to that bill. I just hadn’t noticed before because the font is so friggin’ small. Like you, I pay off every bill in full every month, so there should be no finance charges. Upon reading the fine print on the back of the statement carefully, I found that they have started adding a finance charge to EVERY transaction that is not subject to a 25-day grace period. They don’t describe what is or is not subject to the grace period, but it seems to be that almost everything I charge is NOT subject to the grace period because the finance charge is calculated from a total that is almost the value of the total bill. They have lost a very good customer in me, and I’m spreading the word.

Comment by chovy

November 2, 2006 @ 10:25 pm

i haven’t used C1 in a long time, I don’t like all the crap they send along with their bills. and their deceptive finance charging.

I’ve found a much better rate at my credit union through my employer.

Comment by VILAS

November 12, 2006 @ 1:22 pm

I had same experience that Michele had. Today I got my C1 statement and found out that I too got $2.73 finance charge.

After spending almost 1 hr talking with the C1 customer service, I realized that C1 does not seem to have any grace period for you bill payment. Even if you in full pay before the due date, you are still charged the finance charge.

This is freaking unbelievable.

First time I am realizing this thing. I think I will cancel my CC with C1. They suck.

Comment by A. Moore

November 12, 2006 @ 6:53 pm

“Capital One” Nothing but HUGE B.S. HASSLE to redeem your so-called “free flight”!

After collecting 32,000 “points” and believing that one would get one “free flight” on the west coast…and have “no hassel and no blackout dates” etc, etc, etc…….this company is nothing but full of bald face, 100% pure, B.S.!

FIRST ATTEMPT to redeem points: Called 11/12/06 for a flight from Washington state to S. California from my airport in eastern Washington state. “Mr. Moore the lowest fare is $658.00 and you will have to pay everything above $320.”

My response: $#%^^&%%$#@!^**(!!!!!

“Mr Moore, if you want to redeem these points for the amount of credit you have we will need a 21 day notice.”

My response: ^&&%%$#@88%$!!!!!

SECOND ATTEMPT to redeem points: calling back on 11/12/06 for a trip from my airport to S. California on Dec. 7th to Dec 11th (21 day notice and not blackout dates which they says are no proplem in all their advertising).

“Mr. Moore, I have checked all flights and the total cost will be $485.00 and you will need to pay the balance over $320.00.”

My response: “In all your ‘NO HASSLE’ advertising I was led to believe that I would earn a free flight on the west coast after I had put $25,000 through your card. Now you tell me that somewhere in the small print it really does not ‘reward’ me with a free ‘no hassel’ airline ticket without me paying considerably extra for the flight? This is total CapitalOne fraud, lies and 100% hassle!!!!!!

ALL capitalOne ADVERTISING leads one to believe that after earning 25,000 points there will be a ‘no hassle ticket’ issued…and ‘blackout dates’ are ‘no problem’!!!!

Well, huge piles of sticky B. S. on you and the horse you rode in on and everyone that works for you including the one who cleans out your toilet bowls!!!!!!!!

In my opinion, this is nothing but consumer fraud!!!

Pox on you…CapitalOne!

Comment by chovy

November 24, 2006 @ 1:36 pm

C1 sucks imo…i hate their extra pages of billing crap on the headers that I have to rip off each month in order to fit them in my filing cabinet. Not to mention their *fees*.

If you are a member, checkout Patelco.

Comment by rdawnwazny

March 19, 2007 @ 12:05 pm

Capital One really does suck………… I had the card also had a lot of finacing charges,and they had the nerve to charge $5.00 for a cash advance that we were not aware of.Then they had the nerve to put on a $29.00 charge for an “over limit charge.” NICE! in all we had on extra $51.76 added onto our bill.Ya NO HASSELLS my a–! Not to mention the automated phone system,you cant even enter your date of birth according to their directions.They say enter 8 digits and you can only enter 6 then when you do get it entered half the time you get disconnected.So………. “What’s in MY wallet?” Not your stinkin’ card !!! No (MORE) Hassels, Scrapital one!

Comment by domdeez

August 6, 2007 @ 10:40 pm

All I have to say is this: I was so mad with capital one I researched the name capitalonesucks.com. Guess who owns it? Capital One Inc. Nuff Said.

Comment by Kevin

August 10, 2007 @ 3:02 pm

I’ve had a charge dispute with them since May and am getting nowhere. I order a product from a vendor on-line and the product never showed up so I reported it to C1. They credit my account for the full amount back in May then today I find out they charged my account for the same amount because the vendor said they credited my account. I looked at my statement and the vendor did credit my account for the full amount in May but they also charged my account for the exact same amount on the same day. C1 can’t seem to understand that I’m still out of the money. I’ve tried to speak with someone in the investigation department but was told they “don’t have phones”. So much for customer service. I’m closing my C1 account as soon as I get this dispute resolved.

Comment by Jack E. Smith

September 7, 2007 @ 4:46 pm

Why do you not get sued?

I mean, how is what you are doing different from, say, buying the capitalonesucks.com domain and posting your experiences there?

JES

Comment by chovy

September 11, 2007 @ 11:54 am

I’m not doing anything illegal by posting my experience. I told them I was going to, they said “Go ahead”.

Comment by buysoma2you

September 16, 2007 @ 8:45 am

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Please feel free to visit the to see all our articles.

Comment by baltimorecityresident

September 22, 2007 @ 7:02 am

I also had credit cards with Capital One and the same thing happened to me. One card had 11.9% fixed interest rate and the other had a 10.9% fixed interest rate and both had an annual fee. My credit scores have been on the uprise at about 750. I was carrying about a $300 balance on the card with 10.9% interest rate and no balance on the other. I had been paying both on time as well as on my 2 other credit cards with balances and paying well above the minimum. I called Capital One last week to see if I could get them to waive the annual fees on both of these cards as I have been a long-time customer since 2000 and 2001 respectively. While I was on the phone with the representative, I found out that they had raised the interest rate on the 10.9% interest card to 19.9%! She said it had just been raised the day before and that my notice would come in the mail shortly. I was in shock. I asked her to repeat herself and to tell me for what reason my interest rate was raised since I have very good credit scores and had been paying on time. She said it was through no fault of my own, but that the company had decided to raise rates on some accounts. Because she could tell I was highly upset, she offered to combine the credit limits on my 2 Capital One accounts so that I could keep the older card with the 11.9% fixed rate and cancel the other. I decided to go with that because the older card is the credit card I’ve had the longest compared to any of my other cards, and I did want to keep my good payment history. I’m also getting the annual fee waived on that card. However, I’m still not pleased because it really irks me that they would raise my interest rate on the other card like that in spite of the fact that that I have great credit and I’ve been a good customer to them these past years. Perhaps they will decide tomorrow to raise the interest rate on the other card as well. The whole thing leaves a bad taste in my mouth. I consider Capital One to be rip-off artists and no better than common thieves. My plan in the future is to use the remaining card I have with them as little as possibe. If I ever charge something to it, I’ll pay it off right away so that they’ll never make any money from my pockets ever again.

Comment by Bradley Cummins

October 5, 2007 @ 12:06 pm

CAPITAL ONE is the worst credit card company to deal with… they are a bunch of second english speaking jerks and love to charge fees! BEWARE… capital one is more hassels… capital one has no personal relationship with their customers… capital one deserves to go bankrupt and everyone who works for them deserves to loose their benefits because they all are uneducated and could care less about the customer… CAPITAL ONE MORE HASSELS!

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Comment by Ratdaddy

October 15, 2007 @ 1:37 pm

I have four Capital One credit cards with all balances paid off. Two of them, I received the same ol 2+ dollar charge. I paid them both with $5 to make sure no more finance charges showed up. Two of them now show 0 balance and the other two show a credit (overpaid). Let me recommend that when you close credit card accounts, do it by CERTIFIED mail with return receipt. Put the certified mail number at the top of your letter. Copy your lawyer if you have one and show the CC at the bottom of your letter. Also state in your letter that this serves to close the account, and is their notice to cease and desist. You do not wish to receive any more bills or correspondence from them and any false information reported to the credit reporting agencies will be turned over to your attorney and prosecuted in accordance with Public Law 95-109, Section 805-C, The Fair Debt Collection Practices Act. This has always worked for me. Be prepared to carry through with your threat if you have to but I’ve found it always ends there.

Comment by Rich Gardner

October 16, 2007 @ 9:50 am

SCREWED by Capitol One: Never missed a payment for ten years then WITHOUT WARNING I learned my Capitol One card was suspended for ONE late payment. I found this out at 2AM at a gas station 40 miles out of town. Luckily I had enough cash to get me home. Inspite of my 10 year blemish-free record they raised my APR tp 19.90% for an “indefinate period”. That was 9 months ago. I called customer service today and a rude supervisor gave me no timeframe when the “indefinate period” would end nor what I could do to speed the process. I’m convinced they are trying to get rid of the good customers who pay on time and aren’t subject to late payment fees. My advice: Get rid of your Capitol One card before you get burned!

Comment by Tom A W

November 4, 2007 @ 7:41 pm

horrible! charged me finance for 16%!!! on a 1.99% balance transfer offer for over 3 months with no resolution. I am still waiting for a resolution. Their online system sucks but I just noticed they put a new one up, so hopefully it is better. Man, am i disappointed.

Comment by Kevin R

November 20, 2007 @ 5:38 pm

This company charges you an annual fee and then says you can not use your card, nor will they issue you a new one.

I had zero balances on 2 of my cards. I asked them for a reissue and they said they could not do this.

I asked why they reply, because your account was not in use for about 8 months, so we restricted it.

Here’s the good part, they send you a statement saying that there is a credit line, and charge you an annual fee.

When you want to use or get a new card, they say you have not credit.

Now if that is not poor communication with in their company - what else is there.

Comment by Michael B

December 2, 2007 @ 12:13 am

As a customer service rep for capital one, you were probably asked to write in to get your card reactivated. If you had written to the Salt Lake City address they would have sent you a new card. Don’t think I defend C1 much, even I know their policies sound confusing.

Comment by Mikki

December 8, 2007 @ 10:34 am

Sucky company, great commercials.

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Comment by Richmond Native

February 7, 2008 @ 8:49 pm

As a representative for Capital One that hears all the complaints about everything everyone has mentioned I defenitely can understand all the frustration. I think what’s most important for all of you to unerstand is that Capital Ones policies are no different from any other credit card company. Trust me, im not saying that because I work for them but bc I try to keep myself abreast on what’s going on in the industry by reading various news publications. it really boils down to customers just have to read very carefully their terms and disclosures even if its in small writing because that’s not a good excuse. Read your statement even if you know you haven’t charged anything because important messages are there sometimes. Read all mail sent to you, its the only way the company communicates with customers. its your money and credit so you should try to educate yourself as much as possible. No situation on here doesn’t seem like it couldve been fixed, for the most part it just seems like most of you all got someone who just wasn’t knowledgeable enough. Its sad to say but some dumb people answer the phones at Capital One and in my position we have to clean up after them. Every company in the world has a dissatisfied customer and Capital One is no different. There are also disgruntled employees!

Comment by Bill A

February 9, 2008 @ 2:51 pm

I had two accounts with Capital One. One was a Loan that I have paid on time every month. As soon As I received a statement I would send the payment right away. One month they said a payment was late. They were nice and wavied the fee. I started sending my payment so that they would have to sign to receive it.

Even though they received it early, they posted another payment late. So to stop the game I just paid the whole loan off 3 years early. The next month they canceled my Business Credit card because I always paid that one off on time.

It seems that if they cant make money on you, that they dont want you as a customer.

I will NEVER Do business with Capital One. They are ripping people off!

I hate the way they are getting away with taking advantage of people.

Comment by Kelly

February 21, 2008 @ 1:06 pm

Capital One is the worse credit card company in the world.

I had two cards with them a few years back. I closed one and had paid it off. Then last year they sent me a bill for a $29 annual fee and said I have available credit and the card is open stupidly I paid it then called them cause I all of the sudden had no available credit and the card was closed again. Some awful “Customer Service Rep” told me that I just shouldnt have paid it and they would not give me my money back. This year once again I got a bill for an annual fee on the card that has been closed for three years. I did what they said last year and didnt pay it then I get a letter with another bill which is now 58.50 saying I have to pay it and the late fee. I called customer service and they tell me the account is not closed and I have to pay the fee. I had to go back in forth with some guy who would put me on hold forever and told him I refuse to pay it they better take the charges off and it is a closed account. He finally after half an hour says oh yeah it is closed and the charges have been takin off. I am sure he knew the card has been closed for years the whole time and they are looking for the stupid sap that I was last year who is going to pay their annual fee on a closed card.

I HATE THAT COMPANY THEY SHOULD BE SUED FOR TAKING PEOPLES MONEY AND SCAMMING EVERYONE.

Comment by Mike

February 21, 2008 @ 2:50 pm

There customer service was the worst… I got put on hold 5 times each for another person to tell me to hold again and again over 2 hrs of just holding . I hate that all I was trying to do was activate my card and I still hadn’t activated it cause I got sick and tired of waiting and now thanks to u guys I know not to they sucks bad.

Comment by Sara

February 28, 2008 @ 6:27 am

CALL JEAN TRAVIS
@ 866-536-7392

& BITCH HER OUT

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Comment by Christine

March 13, 2008 @ 11:36 am

Try this one out. I am a co-applicant on the capital one card. I got divorced any my ex-husband took that credit card over as part of the divorce agreement. He pays his bill on time, however it is maxed out at $15K and he keeps it that way. So I have a $15K credit card showing up on my credit and it could literally stay there forever if he never pays it off. I called capital one and spoke to about 7 different people and because I’m not primary, I can’t even prevent him from making future purchases. So essentially I have no authority to make changes to the account to prevent future charges and they are still going to hold me financially responsible if he doesn’t pay it. That’s a bunch of bull $&!#!!!

Comment by sasha

March 17, 2008 @ 1:46 pm

I had a Capital One Visa account for years. In recent months there was fraudulent activity which they resolved promptly and issued another card. Two months later there was fraud on the new card. I finally just closed the account after having to go through the bullshit of fraud reporting AGAIN. There must be someone at Capital One selling card holder info. I can see this happening once, but not twice. It has never happened with my Mastercard with company or my Amex. The truly shitty thing about Capital One is that I wanted to donate my remaining Rewards points. Apparently, they don’t transfer them to other institutions, not even for charity.

Comment by Destiny

April 2, 2008 @ 7:07 am

I closed my account with Capitol One, to my surprise due to finance charges($11.00) I was over the limit by $1.00. They had the nerve to charge me a $39.00 over the limit fee. Capitol One is a rip off; will never do business with this company again. There are numerous complaints about this company; heed the warnings.

Comment by John

April 3, 2008 @ 5:54 pm

John Auto dealer Florida

I sold a car to a customer that used a capitalone blank check as payment. I transfered the title in good faith and Cap 1 refused payment. They attempted
to get from my customer additional information after I submitted this “blank check” sticking my small business in the middle of their dispute leaving me without a dime for payment. So now I am out $28,000.00 + while I attempt to collect from my customer. CAPITALONE DOES BAD BUSINESS PERIOD

Comment by Paul from FL

April 12, 2008 @ 11:06 am

whatever you do, never try to obtain credit card from third party bank or credit card company,- most of them are thiefs who just wait to take your money away and give you nothing in return exept headaches, hassle , waste of time in dealing with customer service, who in most cases are bunch of morons paid $2 a day in some third world countries.
My suggestion, go to your local bank with which you have long time relationship and ask them to open credit card account for you, in most cases they will be happy to do so.
BTW capital ONE really sucks and if you have their card in your wallet, then you are in BIG, BIG trouble.
Get rid of it as fast as possible, before they rip you off on some nonexistant late fee charges, or some other bogus fees.
Victim of CapitalONE.com
www.capitalone.com, capitalone.com, capitalone.com are conartists,

Comment by Estella

April 15, 2008 @ 1:52 pm

My caomplaint is a bit different. Their representatives actually LIE. I have been trying to get my account summary for 2007 for two months. Within the last 10 days I have been told by 5 representatives, supervisors, managers that it was being faxed to me. One told me it was actually in his hands. It is April 15th, my accountant has files for my extension and I still do not have my 2007 payments. It must be some training they get. When in doubt LIE.