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.

Is Capital One Credit a scam?
Capital One Credit is a scam and a bad service provider as per the report filed on dirtyscam.com. They are not aggressive towards their customer satisfaction and complaint grievance.
Is Capital One Credit legit?
First Capital One Credit is not a legit business owner or provider. You must take necessary precautions/measures before buying or using their services.
How many reviews are submitted by Capital One Credit’s consumers?
There is/are 33 review(s) posted about Capital One Credit and it indicates that the severity of the scam is High.
Where is Capital One Credit located?
Capital One Credit is located at Salt Lake City, UT 84130, USA. You can contact Capital One Credit by dialing (800) 215-1921 or visit their website capitalone.com before filing a lawsuit. We are no way affiliated with better business bureau or yelp reviews platform.
How much monetary loss is incurred by Capital One Credit’s customers?
According to the report(s), US $3652 was the total loss incurred by Capital One Credit’s customers.
The reviews, complaints and scams about Capital One Credit are deliberately written by anonymous. We, at Dirty Scam are not liable for the content written about Capital One Credit. If you have any issue with Capital One Credit incident report, Please contact the author of this complaint directly, as we are not obligated to remove the complaint.

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33 reviews on Capital One Credit

  1. Bruce C

    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.

  2. Raidan Halford

    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!

  3. Bianca Murphy

    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.

  4. Bruce Bailey

    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.

  5. Lisa Howard

    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.

  6. Bryan Peterson

    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.

  7. David Hussy

    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.

  8. Victoria Mitchell

    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.

  9. David G

    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.

  10. Andy Parker

    Dont Use

    Near perfect credit but go declined, no good reason.

  11. Bianca Evans

    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.

  12. Jason C

    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.

  13. Miguel Moore

    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.

Reviews:33
Reported Loss :3652 $
Severity of Scam :High
Reported by : Anonymous
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