Capital One Venture Reviews

Summary of a Reddit comment

They had the Venture almost ten years ago and describe nothing but terrible experiences with Capital One, saying they would not trust it for travel and would never get another card from the bank.

Summary of a Reddit post

They opened the Venture and used it heavily for a few weeks without trouble, then it was restricted for identity verification. After a week of unanswered uploads and support calls, they cancelled the card.

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They have had the Venture for about thirteen years in excellent standing but were told they were not eligible to downgrade it, with the representative unable to explain why, leaving them frustrated.

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They got a long runaround trying to cancel the Venture and avoid its annual fee, with a supervisor insisting it could not be waived until the policy was read out; it was eventually cancelled and the fee removed.

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They were approved for the Venture and received the card, but Capital One then closed the account over a fraud flag after an address change, and customer service would not reopen it.

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They were approved for the Venture but the card was activated and used fraudulently before it arrived, and they were frustrated by the slow credit and replacement while Capital One investigated, calling its security poor.

Summary of a Reddit post

They found the Venture application process unsettling, with odd verification calls and a fraud alert before the card even arrived, and felt the whole experience resembled a scam.

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They had repeated identity verification problems with their Venture card, sending multiple documents with nothing resolved, and found customer service unhelpful and unsure of what they were doing.

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They spent over a week trying to get their Venture account unrestricted, supplying every document asked for while the issuer kept requesting something new and nobody could explain why.

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They were chasing the Venture welcome bonus and say customer service refused to count last-minute pending charges, while quoting a different deadline than the one shown in the app.

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They were approved for the Venture with a low credit limit and hit account restrictions before the card even arrived; they plan to take the bonus and then stop using it.

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They had three of their Venture cards closed suddenly and permanently, after a returned payment months earlier that they cured at once. Reps and supervisors gave no clear reason and said the closure could not be undone.

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They say their Venture declined a modest purchase as suspected fraud, then it took a long time to reach someone through automated menus, and the agent could not explain the trigger or simply approve it.

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They applied for the Venture, and the physical card never arrived on time, forcing them to rely on the virtual card for flights and hotel bookings ahead of a trip, with support unable to say if its number would change.

Summary of a Reddit post

They own the Venture and describe Capital One customer service as terrible, comparing it unfavorably with Amex while asking whether any other card matches that experience.

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They had a Venture purchase at an eye contacts site declined as insufficient funds, and support later said the merchant was flagged as gambling, which they found made no sense given earlier purchases there.