recently submitted a payment to capital one with the wrong checking acct information. soon after i realized my mistake i called capital one to rectify the situation. at wich point the incompetent customer service rep told me i could not submit another payment because the one i had submited was showing a credit in my acct. i told the customer service agent that my car insurance billed to that credit card and if he did not accept my paymet i would need to find an alternative payment method for the insurance and he said that would be fine that i was not even due yet that i could atleast send a payment of 15 dollars because that was the minimum due payment. next day i sent 70 capital one still refused to unblock my card unless i resubmitted the first payment amt called 5 different agents one even gave me the annual fee back in credti and unblocked my card and i was able to make one purchase and then it was blocked again agent after agent moron after moron repeating to me that the block was made because i bounced a paymetn wich i clearly knew and had notified then once and once again capital one has no respect for its customers and no respect for the people who keep them in bussiness!

I applied about a week ago for a Capital One Credit card when I received a pre-screened offer in the mail. I was approved and received my card in the mail today. I called and activated it and was told I could begin using the card immediately. I made two small purchases with no problem. As I attempted to make a third purchase at Verizon Wireless, the sales associate told me my card was declined. This struck me as odd, due to the fact I had only made $15.00 in purchases and my available limit was $300.00. I called Capital One and the account manager told me that a "Fraud Alert" had been put on my account. She then proceeded to tell me that in order for the Alert to be lifted from my account I needed to provide Capital One with copies of: My social security card, drivers license, birth certificate, proof of address and proof of income. I mean seriously, do these people do any kind of personal info check or verification BEFORE they issue someone a credit card??? Unsatisfied with her answer, I called another account manager with Capital One, and was told the exact opposite of what the first person told me. Later in the evening I looked at my account online and found that there in fact was no sign of any security alert or fraud alert on my account. I tried to chat online with a rep. The rep that I chatted with apparently could only type one word per minute and told me that the info I provided him was incorrect and that he could not find any account associated with my social security number or address I provided him. Extremely pissed at this point, I called Capital One AGAIN and was told that my account was due to be closed because I had made " Too many inquiries about my account's status" and that " I was acting suspicious by asking those kind of questions about my account." I told the rep to close my account and take my name off of the mailing list. Furthermore, I will be closing my Capital One Bank account, as will my entire family. This company has got to be one of the most incompetent and unprofessional companies I have EVER dealt with in my life. They just bait people by sending them credit offers in the mail and issuing them credit cards only to deny them any use of those cards. And by them canceling my account it will undoubtably effect my credit score negatively. IF YOU GET AN OFFER FROM CAPITAL ONE, YOU'RE BETTER OFF BURNING IT, as you will save time and frustration.

Late in 2010 Capital One were offering cash advance checks at zero percent APR for 12 months. I was buying land at the time and decided that this would help cash flow, decided to avail myself of the offer and wrote a check in the amount of $6, 000.
I was a little taken aback when I received the first statement which showed this transaction, because the $6, 000 amount was mixed in with the regular monthly transactions. I pay off the balance on this card in full, without fail EVERY month and my plan was to pay off my statement balances in full, plus $500 each month, so that by the time the 12 months had expired, the cash advance would be paid off - thus incurring no interest, just the $120 cash advance fee (which they only tell you about when you grill them on it).
The way this 0% APR transaction appeared on my credit card statement makes it somewhat complicated to figure out the exact amount payable each month, and this was further complicated by having made a double payment in error one month and then missing the due date in January. I clearly expected to pay a late fee and interest for the late January payment along with the transactions listed on my statement which was due on Feb 25th. I therefore included these amounts along with the total for January transactions.
when I received my March statement, I found that I had still been charged interest on the outstanding balance - which of course solely consisted of the remaining balance of the zero percent APR check!
I queried this with Capital One and at first was told that the reason for interest being charged was that it did not arrive in time to be credited on the February statement, even though the March statement clearly shows the credit to my account on the due date. I was told it would take 2 months to work itself out, but that I would be credited. I then asked the question "Well if it takes 2 months to work itself out, what happens next month when the interest still appears on my accoount and has not been paid? Surely that amount will be picked up again and further interest charged". I was put on hold.
I was then told by the representative that she had been wrong and that I WAS being billed for interest on the ENTIRE outstanding balance - which includes the outstanding balance of the zero per cent APR advance!! So how can this be zero percent APR I asked?
I was then told that the only way I could avoid being charged interest on the zero percent APR portion was to pay off the entire balance of transactions to date and then not use the card again until I was ready to pay off the zero percent APR portion.
I asked to speak to a supervisor and got the same story.
I think anyone reading this will understand that by this time any normally honest and reasonable person -would have become apoplectic, seething angry and ready to tear someone's head off. What made it worse was being told that they could understand my frustration!
Sadly I succumbed to the power of invective - which didn't really make me feel too much better, so I am hoping that someone reading this can do something about the situation - which I consider to be a total rip off by a company which I had dealt with for nearly 10 years and almost without exception had always paid them the balance in full each month .
It has not cost me a great deal of money, but I feel they need to be brought to book for such shameful business practices - which according to my definition of the word I would consider to be fraudulent.

I have been getting daily phone calls from Capital One, regarding a relative. They will not tell me what the issue is, they just ask for this person. More recent calls have not even asked for the relative, I say hello one or two times, then they hang up. Capital One is calling my work cell phone!! The relative does not live with me, and I have no business in this person's life. When I called to complain, I said these calls could be considered harrassment...the manager I talked to in the Philipinnes said it was more unethical!!

Had Capital One Credit card, lost my job got behind in payments. They did not care or want to work with me. I tried to send in what I could each month. Finally when I did get another job I paid them off in full plus interest. However, they did not bother reporting this Credit Report Companies.. So my credit is marked and then they wanted me to pay an additional $24.00 to keep my card but unable to use the card... WTF? This is fair practice to the public. Why isn't Obama fixing these issues for the American People. Capital One think they are God when they are messing with you Credit Report. The Credit reporting agency also needs a good kick in $ss they also need to look at the persons past credit and see if there was a reason for a few late payments and not punish us of 7 plus years. And we wonder why the US is in such bad shape..