Capital One - Headquarters — Attraction in Tysons

Capital One has been around awhile so it is reasonable to expect that they would know what they are doing. I've been a branch customer for more than 11 years and it just seemed natural to connect with their online version called, 360. 360 IS INCOMPETENT. True, as an online bank 360 pays a high interest rate, as does some of their competition, and I never had any problem with routine banking. The problem arises when things are not routine. In my case I wanted to set up a list of beneficiaries. Having been prevented from doing so, it dawned on me that their might be other areas of incompetence that I did not yet know about yet.

It took several attempts at communication before the underlying problem became obvious. That means that when they first refused me no one knew why the system was acting the way it did. My first attempt to set up a beneficiary list involved using their online system, which required me to use texting to get a special identifying code. That in itself is unusual as every other bank or brokerage makes available alternative means if texting is unacceptable for some reason. In Capital One 360's case they provided an alternate phone number. But this is not a special phone number. It is their regular customer service number and you have to get in line and then explain everything. That representative will suggest you do everything by fax or mail after they send you a special form. That does not get to the heart of the problem.

After several tries at sending in their form and getting rejected I finally found someone who was able to research why all of this was happening. The problem was that they require that I provide the social security number for anyone I want to put on a beneficiary list. This is NOT the case with most other institutions.

This requirement on the part of Capital One 360 creates a whole series of problems if I want to leave my account to friends and not immediate family. I expect that within immediate family there is no problem getting someone's social security number, but outside of that who wants to inform anyone they are including them on such a list. Imagine the expectations that sets up let alone the fact that we are all coached, even by the social security administration, to never give out your social security number except in very specific situations. Giving your number to friends (ones you have at this time - who knows the future?) is not appropriate. Moreover, THERE IS NO LAW requiring a social security number when setting up a beneficiary list. Not only that, there is no reason for the bank to make such a requirement since they do nothing when you pass. Instead, a lawyer will have to notify the bank of any death and make arrangements to identify the people on the list. It is customary with other banks / brokerages to simply list a birth day and an address.

i could not reach anyone in customer service who would issue me a waiver, so I wrote a letter to Chanda Sperry, Managing Vice President, Capital One Bank, explaining this situation and requesting a waiver. I never got back so much as a form letter.

In the end I had to find another bank that paid a comparable interest. At the time that was CITI Bank Accelerate Account. Discover Bank is another one. There is no shortage of competition. And so, goodbye...

Don't choose Capital One! I filed a legitimate dispute with full documentation, including a written letter from the merchant admitting unclear charges. Capital One ignored all my evidence and sided with the big company. They refused to tell me what was missing in my dispute and simply closed the case. This is not how a bank should treat its customers. Very disappointed.

I filed a formal complaint against Frontier Airlines on May 16th, 2025 for multiple deceptive and unfair practices related to inadequately disclosed fees. These practices resulted in my being forced to pay a total of $575 at the airport in order to board my flight—of which $249 was disputed, so that I also filed a dispute with my credit card company, Capital One.

The dispute details are as below: $50 Check-In Fee Due to Unusable Online System Prior to my January 19 flight, I attempted to check in online. However, the system required me to input the exact dimensions and weight of each piece of luggage. As an ordinary passenger, I had no access to measuring tools or a luggage scale, As a result, I was forced to check in at the airport and was charged a $25 per-person “agent assistance fee.” ($50 in total). This amounts to a technical barrier designed to funnel passengers into paying a mandatory in-person fee. Most major airlines do not charge passengers simply for checking in at the counter, especially when the failure to check in online is caused by the airline’s own restrictive website.

$100 extra Overweight Baggage Fee – Coercive and Disproportionate At the airport, I was informed that one of my checked bags was slightly over the weight limit and was charged an extra $100 “overweight baggage” fee. This fee was not clearly disclosed at the time of ticket purchase, and I was given no grace range or proportional pricing—just an ultimatum: pay $100 or leave the bag behind This charge appears to be a form of coercion at the gate, where travelers have no real option but to comply or miss their flight.

$99 Carry-On Bag Reclassified as Checked Bag Without Justification Additionally, a small wheeled suitcase, which we believed fit the carry-on guidelines, was reclassified as a checked bag at the airport. This was in contradiction to the photos and sizing guides posted at the airport itself, which clearly showed that such bags were considered acceptable carry-ons. But the agent refused to acknowledge it.

Request for Refund of $249 – Disputed Payment As a result escribed above, I filed a dispute with my credit card company, Capital One, for $249, Despite providing them with documentation—including Frontier’s own written response dated March 17, 2025, in which they admitted there were hidden fees, and referred the matter entirely to the bank—Capital One But Capital One still refused to reverse the charge, claiming I had not provided sufficient documentation. They never specified what was missing, and in my view, they did not genuinely review the documentation I provided. Eventually, Capital One re-billed the $249 charge to my account and closed the case, leaving me with an unjust financial burden.

This bank does NOT protect its customers in disputes. Avoid using Capital One cards.

#ConsumerWarning...

Capital one has just become my least favorite credit card. They are an awful company who does not care about you or me.The customer. I live in the united states and I keep getting agents working on my case in asia who don't care about me. If I live in the united states, the case should stay in the u.S. People in other countries should work with their own people. And stay out of our country. This is not their business but capital one makes it their business. Capital one has taken advantage of me. I clearly won a case on eBay. I am clearly in the right. I have sent them the same information over and over the case has been opened and closed many times it has been closed in my favor twice.Now it is reopened again. The merchant had no interest in working with me. He told me he was not going to help me or take the return. Capital One keeps telling me that I have to make an effort to return it while I made the effort. Many times and sent them the proof because people who do not speak English and live in other countries work on these cases. It is not being handled properly. Again, this is a terrible bank to deal with.I am very sorry I ever got involved with them. Open an account with a different company.Stay away from capital one. I sent them all the proof over and over. I even wrote a letter I sent pictures of the watch. I took it to an expert jeweler who told me I did nothing wrong that the seller knew he sold me a bad watch. Why is it when I spoke to United States? Supervisors, they agree with me and head one. The case for me, and then somehow it gets reopened for the merchant. It's like a damn game of ping pong. You won no, you didn't win, you won. No, you didn't. We're taking your money back. We're giving you the money. No, we're taking it away. This is ridiculous. I don't want to do business with a company that doesn't care about me.Then capital one clearly doesn't care about the customer.It's like they're working so hard to help the merchant. Basically, my merchant said, a few words, the watch worked well and the customer broke it, which is not the truth. And they sided with him days after I opened the case. Why? Because this is going to other countries, representatives in other countries should only work on people in their own country. Not other countries. There are too many unqualified people in big positions that don't deserve these jobs. I'm so fed up with all the stress capital one causes.Me I don't need it anymore. I'm just going to pay these cards off. And cancel it, I will leave them very bad feedback. All over the internet, if this doesn't get resolved in my favor soon, I will also be getting my brother-in-law, who is a big time attorney and sues and wins with companies like them, and I will sue them for an awful lot of money I've already talked to him. I'm waiting for this nonsense to end.If it doesn't, they...