Capital One Classic

Please I was persuade to get a card from them with the sim of 6k dollars on getting know the card will not even arrive to my location I waited a lot before I reported to ERIB.IO they file a complaint against them and I was able to recover my money back

Avoid Capital One they’re garbage! Read all of this review for an honest true review. I’ve been with Capital One since 1998 and I’ve yet to have a credit limit increase which has remained at £2500.

Back in 1998 this was good, today is dated and puny especially with today’s economic climate. If you try to get a credit limit increase on their online app it’s instantly denied (as I discovered) and if you write to them (as I did) you get an ambiguous response telling you that they can’t do it manually and you have to use their online app!!

In other words it’s impossible yet when it comes to charging you interest on your account they are really sharp! Because of this I’m really annoyed and disgusted with their actions, clearly a long term customer like myself means nothing to them!!!

So be careful with Capital One and avoid them! I’ve paid off my balance and won’t be allowing them to charge me any more interest!

Date of experience: 08 February 2024

This is the worst experience I have ever had with a bank or credit card company. I noticed a few weeks ago that two cash withdrawals totalling £380 had been taken from my account. I never, never withdraw cash using a credit card due to the high charges, and to the fact that I have more than enough in my bank account to cover any cash requirements I may have. I contacted them to report the matter and they told me to destroy my existing card and they would send me another. They also said they would investigate the fraudulent activity. Initially, they refunded one of the withdrawals quite quickly and, when I contacted them, said they were still investigating the other but credited the amount anyway. They then informed me that they had concluded this was not fraudulent activity and intended to charge me for the withdrawals and the associated charges. I was completely shocked. I live alone and no one has access to my card or a pin number. In addition, in the many years I have been with this company I have never once withdrawn cash on a card. Suddenly they were implying that at the age of 68, having never in my life been involved in any form of criminality or financial impropriety, I was attempting to defraud them of £380 or colluding with someone else to do so. I appealed the decision but they refused to overturn it saying it was “not possible” to reach any other conclusion other than my having used the card myself or allowed someone else to do so. Well, they are wrong and I am both beyond furious, and extremely upset, by this event. Just a cursory look at my account history should indicate that this was totally unusual activity. An almost identical thing happened to a friend of mine with an Amex card a while ago and they refunded the money immediately. This is so wrong, and while I will appeal to the Financial Ombudsman and disseminate the details of this experience as widely as I can to warn others, I am left feeling pretty helpless and badly used by this experience. This company is not acting in good faith. If they want people to use their products they should be prepared to compensate for fraudulent activity due, I can only conclude, to inadequate safety measures on their part.

When I made redundant I ask all my lenders to help for 60 days by not adding interest. All managed to comply (Tesco, MBNA & Virgin )apart from Crapital One. They took their £50 of interest and I hope they enjoy it as that is the last they will get. At any point I get the opportunity to lose them a few potential customers I will take it, so hopefully within a few reviews this disgrace of a company will lose far more than the extra £50 they HAD to take. Use another Lender as these are uncaring fools.

Annoying that every time you use the card it is declined even when a large balance is available. It seems they like to have you ring then up every time so they can check it is you using the card and not a fraudster - slightly over zealous and making me look bad at the store!

Worst card ever, I had a few credit cards and went into a debt management plan so I could pay them all off quickly. All lenders agreed to the Debt Management Payments but only Capital One applied a DEFAULT to my credit file. Even after I had paid the card off in full, it continued to report monthly I was in default - so for more than 6 years after the account is closed they will have had a very negative impact on my account. They are twts, it affects my ability to get credit for years, all for reducing my payments on my small balance from £10.20 a month to £7.40 a month for only 8 months. Avoid at all costs, they couldn't care less about their customers, it doesn't even help them to put this on peoples credit files - they just do it out of nastiness. I've phoned them dozens of times, always foreigners answer, never English, and they point blank refuse to do anything.

Worst card ever, I had a few credit cards and went into a debt management plan so I could pay them all off quickly. All lenders agreed to the Debt Management Payments but only Capital One applied a DEFAULT to my credit file. Even after I had paid the card off in full, it continued to report monthly I was in default - so for more than 6 years after the account is closed they will have had a very negative impact on my account. They are twts, it affects my ability to get credit for years, all for reducing my payments on my small balance from £10.20 a month to £7.40 a month for only 8 months. Avoid at all costs, they couldn't care less about their customers, it doesn't even help them to put this on peoples credit files - they just do it out of nastiness. I've phoned them dozens of times, always foreigners answer, never English, and they point blank refuse to do anything.

I applied for a card 5 weeks ago and was given an acceptance straight away. 7-10 working days have long gone and after 4 phone calls,I was told they'd had problems with their computer but my card was in the final stages and then I'd receive it within 7-10 working days. Again,nothing has arrived. I would never have bothered applying if I'd known I'd have this problem. And then to top it all off,you can't even contact them on weekend cos they seemingly don't open at weekend. Biggest joke ever. I would never recommend these jokers to anyone.

This company would not even know the meaning of the phrase ‘’customer service’’ if it jumped out right in front of them. I have had some terrible experiences with other company’s but these guys out do them all. The highlight being the gem of how not to do customer service ‘’if you don’t like it, pay up your remaining balance and clear off somewhere else’’ . If you are thinking about being a customer forget this company, shambolic, unprofessional, they are many better companys out there.

I wish id read the dreadful review on here and avoided this shower