Capital One Mobile 4+

I have used Cap1 for roughly 15-16 yrs . I swapped when HSBC initially took over the market. I wished I would have done it sooner. Yes, I’ve been late and I’ve also had to shutdown cards due to the never ending economic situation and do payments to get them paid off. With absolutely no push back from Cap1, I’ve reopened cards after their payoff from shutdown. They have always worked with me and I also had my spouse get a Cap1 card as well. I’ve had items stop payment and also had refunds done with no issue…even including scammers. To be honest, I’ve had to use Cap1 at times to make ends meet. I know that’s not what CC cards are for and no, there was no frivolous spending…when fuel, rent (at that time), groceries etc cost double their cost and your work slows way down you need help and they’ve been there for me more than family and worked with me every-time. I’ve never had any issues with Cap1 at all. I’m a naturally skeptical person, but this company has proved to me over and over again that they are actually there for you. If there was any company to choose to back, it is this company. Cheesy commercials aside (lol), they truly are great. So from my family to Cap1 family, thank you.

I’ve been using the app for many years and love that it keeps track of all my credit cards and car payments. I like knowing how much credit I have available in case of emergencies. My only quarrel with the app is on the car payment side. I took a month off during the beginning of Covid and that payment was just tacked onto the end of my loan. For many months and possibly a year I was overpaying my monthly loan amount thinking that would bring down the extra amount I owed at the end but that total kept getting bigger. What the app really fails to show the user is the principal balance you have to pay monthly to make up for that lost month. I had noticed this many months back and called about this issue and the person that handled my call fixed the issue with that balance for me but never explained that I needed to pay that principal on the app. I get that I should be more cognizant of my bills and such but maybe instead of having that option well below the payment option have it above or before finalizing payment the app asks the user if they would like to pay on that. I’m sure I’m not the only user that’s had this issue either.
After writing this I’m almost considering removing another star but I won’t because I still really like the app. It’s so very convenient and almost user friendly lol

I reported a technical issue with this application every month for 4 months where they were taking auto-payments from the wrong (outdated) account despite my updating the account every month and calling to speak with a representative, report the error, and try to fix it again. I was reassured every month that they logged the error and that I would not be penalized while we continued to resolve it as I always corrected it manually and made my payments in time.

They then automatically closed my accounts, which I had for over 7 years with a perfect payment record, and said there was nothing they could do because the terms and conditions made the rules - even though I had months of documented calls reporting this issue with the app and working with representatives to correct it so that their software would stop reverting to my old account and overwriting my new account.

After an hour on the phone being transferred to the wrong department multiple times, I was told there was nothing that they could do because the terms and conditions set the rules and it didn’t matter that it was an issue with the CapitalOne app. So, now I have to file a complaint through the Federal Credit Bureau and IRS due to the impact of closing these accounts on my credit, and Capital One has lost a 7+ year customer with a perfect payment record for literally no reason other than they didn’t want to deal with it. Trust is permanently broken and this app can’t be trusted.