Capital One Credit

Fraudulent Transaction

Capital One Credit is not a good card for foreign travel. It used to be. Now every foreign charge gets flagged as a possible fraudulent transaction and your card will not be usable until you respond to an email referencing that transaction.

My recent experience involved booking a concert in Barcelona.

The capital one system was so slow that the foreign merchant declined my concert reservation before capital one sent out an email.

There is not a way around being continually hooked up with email to capital one for foreign travel.

They used to have a system in which you advise them of travel dates and travel countries and transactions from those countries in that timeframe would be approved.

Now they decline every foreign transaction until you get a chance to approve the transaction via email.

So you have to have an email system that works in a foreign country and be in a place that has Internet connectivity.

If you are in the middle of Galicia (the northwest corner of Spain) your Internet connectivity may suck.

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Capital One Credit reviews are no way affiliated with yelp & reddit. Their business is located at Salt Lake City, UT 84130, USA. Capital One Credit could be contacted by dialing (800) 215-1921 or logging on their website capitalone.com. Capital One Credit business page on Dirty Scam received 33 consumers reviews/complaints, page views and 3652$ of monetary losses. The most of the users reported the severity of the scam is High.
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33 reviews on Capital One Credit

  1. Capital One is not a good card for foreign travel

    Capital One is not a good card for foreign travel. It used to be. Now every foreign charge gets flagged as a possible fraudulent transaction and your card will not be usable until you respond to an email referencing that transaction.

    My recent experience involved booking a concert in Barcelona. The capital one system was so slow that the foreign merchant declined my concert reservation before capital one sent out an email. There is not a way around being continually hooked up with email to capital one for foreign travel.

    They used to have a system in which you advise them of travel dates and travel countries and transactions from those countries in that timeframe would be approved. Now they decline every foreign transaction until you get a chance to approve the transaction via email.

    So you have to have an email system that works in a foreign country and be in a place that has Internet connectivity. If you are in the middle of Galicia (the northwest corner of Spain) your Internet connectivity may suck.

  2. Bad Service.

    I paid my Capital One credit card off in full January and to my surprise on January 11th they posted interest charges to my account which had been closed since the 5th of January how is that legal?

    On January 7th I showed an overpayment of $22 which they went ahead on the 11th charged me $32 worth of Interest and now I show an outstanding balance of $9.42 what a bunch of crooks well I guess it was their last attempt to get money from me as I have closed my account and all I have to say is goodbye and good riddance Capital One.

  3. If you wish to be treated horribly, this is the place to go.

    If you wish to be treated horribly, this is the place to go. Cap One ranks right up there with Citibank, Bank of America, Chase and U.S. Bank as places to avoid given their illogical operating practices and procedures. rigid decisions and untrained staff.

    On a repeated basis Cap One treats their long-term customers as though they were convicted felons/child predators. There is no one to talk to or appeal to with their arbitrary decisions.

    They throw arbitrary freezes into place when purchases are being made in the local area and at stores previously patronized. No human intervenes before the freezes are placed and the algorithms used apparently don’t bother to consult purchase history.

  4. The same applies to Wells Fargo.

    This company needs to be bought by another that can manage to deliver customer service. The same applies to Wells Fargo.

    Go to Ally if you wish to be treated like a human and with people and management who think before they impose wrong-headed practices.

  5. I am paid for what I can do.

    It all started with the constant “changing” of the web site. I used it for years for payments and never had any issues, then some one in a small cubicle, came up with an idea, I am confident would give them a “ata boy”, and decided to start requiring additional information from the customer.

    I made the simple request to notify the customers by email that there would be a change in the web site. “I can’t do that” is what I was told. From there it has only gone down hill. Being self employed, my customers do not pay me for what I CAN’T do, I am paid for what I can do.

  6. Bad Service Provide

    I have been a customer for more that 15 years, never a late payment, I would think that would be a certain amount of gratitude for being reliable, my mistake! Try to look at like this, would you go back to a restaurant that served you a lousy meal, or tip a server that gave you lousy service?

    Of course not. If you have a balance on your Capital One card, I recommend getting another from a different company, transferring the balance and move on.

  7. love the rewards bonus.

    I had some card fraud. Capital One explained how this company has been hitting a lot of people fraudulent charges. They stayed on the line with me while I dealt with the horrible company. I was able to get the charges reversed. This is the main card that I use for business, personal and travel. I love the rewards bonus.

  8. DO not go here

    Does not provide live people to when you have a problem

  9. bottom line capital one sucks customer service

    I Have had capital one for over 10 years and I dispute 1 transaction that the item was broken and I sent the item back to manufacture and capital one told me they cant refund this because of the manufacture told them they never received it.

    bottom line capital one sucks customer serviceCapital One –
    I Have had capital one for over 10 years and I dispute 1 transaction that the item was broken and I sent the item back to manufacture and capital one told me they cant refund this because of the manufacture told them they never received it. bottom line capital one sucks customer service

  10. I am very disappointed with the service I have received with this company.

    I am very disappointed with the service I have received with this company. First, they tell me to meet specific requirements and once I do. They don’t hold up their end.

  11. very dishonest person.

    I had the CapitalOne Venture card for 4 years for the promise of no annual payment, no foreign transaction fee, and award miles for Travel. First of all, they ran my credit twice on the application – which does negatively affect your credit score – and then could do nothing to fix it.

    Then, when that ordeal was done with, and I was excited that I had used the card and built up a little more than 35,000 award points to redeem I discovered that they were next to useless – and far less valuable than advertised. You recieve by far a better offer from United and Southwest Airlines (their miles are worth almost twice as much in actual value compared to CapitalOne,

    and there might actually be a flight available to book when you redeem your miles, unlike Capital One. I might have gotten over the fact that I was getting next to nothing out of the loyalty program, since I didn’t have to pay anything to keep the card open, but then there the customer service, who was by far the worst I have ever come across.

    I know people are people, and some are worse than others, this woman… after being extremely unprofessional to me, and sending my account to a collections agency for a grand total of $7.25, because they made an “error”….. ,

  12. AVOID CAPITAL ONE AND PROTECT YOUR FINANCES AND CREDIT.

    I was in a near panic at this point, being obsessive with my credit score, but not wanting to waste any more time on this woman calmly asked for her employee ID number and a manager to have someone to speak with who might understand that I need to know why they changed the fees on the account without notifying me, and “accidently” sent a bill for less than $10 that I had paid, when I had been a good standing customer with them for over 4 years…

    Customer Service’s response – rather than confidently offering her name and id number with nothing to hide, proceeds to hang up on me so that I couldn’t take down her employee ID and have them review the said to be ‘recorded” conversation.

    Protect your credit score, and yourself from the stress and anxiety of not knowing what CapitalOne might be charging you and hitting your credit score with…

    trust me, there are a lot of other great credit cards out there for travel with no annual fee nor foreign transaction. Use a company that you can trust (like Wells Fargo or Chase).

    Even the cards that do have the annual fee are worth it for the piece of mind that you and your finances are in good hands. AVOID CAPITAL ONE AND PROTECT YOUR FINANCES AND CREDIT.

  13. Do you really have to cheat the customers who are paying you diligently, and faithfully?

    Listen to this. I’ve had two of my HSBC cards purchased by Captial One last year. I’m very careful to make my payments on time, keep my balances in line and watch my credit. After they purchased my accounts in August I went on-line and set up paperless billing, automatic monthly payments and mobile notifications, like I do with most all of my bills.

    In December Capital One moved my do date up by 10 days, increased my minimum due by 10 dollars, canceled my auto pay, and stopped my mobile notifications. When I caught that they had done this I had already been charged two late fees, two “no payments” since I had paid less than the minimum, and been reported late twice to the credit bureau.

    When I called them they told me that I should have seen the notice they sent me on my billing statement that they had made these changes, yeah sure, you mean the paper one I’m not supposed to get and the mobile notification that was never sent to me? Tricky! Do you really have to cheat the customers who are paying you diligently, and faithfully?

  14. Do you really have to cheat the customers who are paying you diligently, and faithfully?

    Listen to this. I’ve had two of my HSBC cards purchased by Captial One last year. I’m very careful to make my payments on time, keep my balances in line and watch my credit. After they purchased my accounts in August I went on-line and set up paperless billing, automatic monthly payments and mobile notifications,

    like I do with most all of my bills. In December Capital One moved my do date up by 10 days, increased my minimum due by 10 dollars, canceled my auto pay, and stopped my mobile notifications. When I caught that they had done this I had already been charged two late fees, two “no payments” since I had paid less than the minimum, and been reported late twice to the credit bureau.

    When I called them they told me that I should have seen the notice they sent me on my billing statement that they had made these changes, yeah sure, you mean the paper one I’m not supposed to get and the mobile notification that was never sent to me? Tricky! Do you really have to cheat the customers who are paying you diligently, and faithfully?

  15. I too have had nothing but trouble with Capital One and cut up my credit card a long time ago.

    I too have had nothing but trouble with Capital One and cut up my credit card a long time ago. Even though I’ve always made over the minimum due each month and always on time,

    they kept tacking on over-limit fees and ridiculous finance charges so my balance never went down! Furthermore, they never send email confirmations for online payments or regular statements, even when you sign up for this service. Avoid Capital One at all costs!!

  16. Not happy with the services we got.

    can’t go any lower then one star unfortunately, they are preditors, had this credit card 2 years, never any balance, pay every month now i am told i will be billed 8.25 monthly just to have the card

  17. Capital one has great commercials but that's about it.

    Capital one has great commercials but that’s about it. I have had the card for about 5 years but the last year has been for nothing. When I fell behind on my bills about two years ago, my card was placed on “suspension”. I set up automatic payments of the minimum amount hoping that i could get back into goo standing.

    When I had a little extra I put larger payments down. (I owed 2K total and my max credit was $2600). I learned later that “suspension” actually means that no matter how fast or slow I pay,

    my account is essentially closed and cannot be used again. I learned this after making lots of effort to bring the balance down. Wish I had known–would have put the money elsewhere!

  18. Unfortunately

    Unfortunately, I had to start over after losing my business and home a few years ago during the real estate crash. The secured card seemed like a good way to get back on track,

    however I have been trying to resolve an issue with this company and it has been a terrible experience, very complicated and a total waste of my time.

    Totally humiliating and frustrating, They cannot resolve a simple problem. They are very unprofessional and inconsiderate. This companies policies and procedures are geared toward taking advantage of the less fortunate. Please do your due diligence before signing any agreement with this company. Hope this helps someone before it’s too late.

  19. no good reason.

    Near perfect credit but go declined, no good reason.

  20. yet online wire transfer does not work.

    This is an online bank, yet online wire transfer does not work.

  21. Every time Cap One changes online banking

    Every time Cap One changes online banking, I am on the phone with them for hours because of problems with downloading to Quicken. I have several other accounts with other banks and brokerages and have never have a problem.

    That’s because other banks do updates that require no customer action. Why can’t Capital One do an update that is seamless to the customer? I think I’ll just take my business to one of my other banks that seem to have better computer techs.

  22. Don't deal with them, shop around!

    what a loss of my time and money to accept loans from this bank. They tripled my APR from 7% to 21% within 60 days of purchase between cars. The Rep did not know what to say, only thing on his mind was my phone is breaking and he can’t hear me and kept shutting me off. what a shame!!

    I can’t wait to payoff my loans with #capitalonebank and start a new page with other banks! my credit did not change, I have never missed a payment and always paid on time still triple my APR after I traded 1 of my sedans in for a truck. Don’t deal with them, shop around!

  23. LIES. I have -0- issues with my credit, I just don't have enough credit history.

    I’ve had a credit card for 2 years with Capital One have had the same credit line for 2 years, with out an increase. I only got a card with Capital One because they help establish your credit. However, they reel you in by keeping you at the same limit the entire way. I needed to raise my credit score for a home loan.

    Now i’m stuck with Capital One because I cannot run anymore credit anywhere else or we’ll have to wait another 6 months before moving. My credit card started off as unsecured, after 1 year and 4 months they finally changed me to secured.

    7 months later still no increase from the original $500.00. I’ve always made payment before they are due, never missed a payment or have I ever used the entire $500.00. If you need to establish credit, DON’T USE CAPITAL ONE.

    I also looked up the review before applying and everyone said that they received an increase in 6 months even after bankruptcy or they got 10-20 points the first 2-3 months using there card. LIES. I have -0- issues with my credit, I just don’t have enough credit history.

  24. Every time Cap One changes online banking

    Every time Cap One changes online banking, I am on the phone with them for hours because of problems with downloading to Quicken. I have several other accounts with other banks and brokerages and have never have a problem. That’s because other banks do updates that require no customer action.

    Why can’t Capital One do an update that is seamless to the customer? I think I’ll just take my business to one of my other banks that seem to have better computer techs.

  25. Not rocket science.

    They are extremely difficult to work with! They make it impossible for each person to access their own account statements. I have tried to resolve this issue and their response is to “open a new account”. ?? Really? Why can’t we just let both people (JOINT owners of account) be able to download the statements? Seems logical to me. Joint owners = joint access. Not rocket science.

  26. They've been unreliable and unprofessional.

    I got a credit card with them and are already paying a high interest rate. I’m trying to run a trucking company and i keep getting called for fraudulent use once a week.

    I’ve provided my information numerous times and have been put on hold for over 30 minutes just to put gas. Not just is this terrible customer service but I’m losing money and time having to wait on them to run MY company. They’ve been unreliable and unprofessional.

  27. I think it time to find another bank.

    Used to be Chevy Chase bank in the DC metro area, and it was good. Ever since Capital One bought them it’s been all down hill. Very few ATMs left, the online banking is clunky, tried to set up a new 360 account online and failed. It’s like the two parts of the bank don’t communicate at all. I think it time to find another bank.

  28. This does not make sense to me and I am upset at being treated so poorly.

    Capital One just notified me that it lowered my available credit – BECAUSE I DON’T CHARGE ENOUGH ON MY CARD! Can someone explain to me why Capital One would take an action that would adversely effect me because I am a responsible consumer, pay my credit card balances in full each month and don’t run up debt?

    I highly recommend NOT opening a Capital One Credit Card. They are not nice to do business with. I can’t close the account because doing so would adversely impact my credit score.

  29. NEVER DO BUSINESS WITH CAPITAL ONE BANK EVER AGAIN. If I could give no stars, I would.

    I opened a cd in a 360 account online because of the interest rate. I tried for 3 weeks to add a secondary account holder without success. You can only call a customer rep. No chat lines or email option. You can send a fax but when I did I heard nothing back after a week.

    So, back to waiting on hold where I was told that because of security concerns I could not add a secondary account holder until my mobile # had a sufficient amount of time to be verified. How long that time would be no one could tell me because NO ONE KNEW.

    I guess the algorithm has taken over from the people in the IT dept. The mobile # is the same one that they send me text codes on which to log in online. Should that not verify the #. I finally got so frustrated that I withdrew the $ prematurely costing me a penalty $90, but it I learned a good lesson. NEVER DO BUSINESS WITH CAPITAL ONE BANK EVER AGAIN. If I could give no stars, I would.

  30. Dont Use

    Near perfect credit but go declined, no good reason.

  31. I just don't have enough credit history.

    I’ve had a credit card for 2 years with Capital One have had the same credit line for 2 years, with out an increase. I only got a card with Capital One because they help establish your credit. However, they reel you in by keeping you at the same limit the entire way.

    I needed to raise my credit score for a home loan. Now i’m stuck with Capital One because I cannot run anymore credit anywhere else or we’ll have to wait another 6 months before moving. My credit card started off as unsecured, after 1 year and 4 months they finally changed me to secured. 7 months later still no increase from the original $500.00.

    I’ve always made payment before they are due, never missed a payment or have I ever used the entire $500.00. If you need to establish credit, DON’T USE CAPITAL ONE. I also looked up the review before applying and everyone said that they received an increase in 6 months even after bankruptcy or they got 10-20 points the first 2-3 months using there card. LIES. I have -0- issues with my credit, I just don’t have enough credit history.

  32. A company like that does the bait and switch tactic to attract new customers is no company to do business with.

    I opened an account based on Capital One’s website that explained I would receive $200 for opening a new checking account and making a $1,000 deposit into it before the end of June.I clicked through the link and was prompted to open the account and gave them all my details and did an electronic transfer at the same time of opening the account before the end of June.

    The deposit processed in middle of June so no problems there. I had to take the money out of my Roth IRA retirement account to fund it so it was a whole ordeal to do this all but I thought the $200 was worth it.

    I called the bank and they held my money for around 5-6 business days. I then called in to ask whether or not I could access the money right away or if that would make my not eligible for the $200 offer.

    They proceeded to tell me that they saw no such offer on my account and that they would do nothing to honor the offer. Despite it being on there website for everyone to see, and me clicking directly through that link to open the account.

  33. terrible

    Capitol One should not file disputes if there are terms and conditions, it results in a loss and leaves us customers completely unsatisfied. especially after you are promised you will get your money back if you dispute.

Salt Lake City 84130 UT US
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Reviews:33
Reported Loss :3652 $
Severity of Scam :High
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