Capital One Reviews

You guys are awesome. I open a new checking account and I just received the promotion offer that was with the account. And waiting for service over the are fast because I call as soon as you guys open and are available. I don't know why people keep on leaving bad reviews. They just have to wake up mad early and stop complaining for being lazy.

I love Capital One because they have trust in me to pay what I owe back

I've been a Capital One customers for years. And I wish I could get a little more credit than what I receive now. My payments are always on time.

This company closed our three accounts after two years because there were returned payments on the three cards and were corrected and repaid. They said, "We don’t know why your accounts are restricted and someone should reach out to you." So they said, "Your accounts are closed, nothing we can do but you will still get a bill and please pay it."

I had my Capital One credit card for 4 years. I have asked for a credit increase for the last 3 years. I was never late with a payment, and every time I ask, they refuse me. This is the worst card I have ever had.

Capital One treats their customers like criminals and makes it all but impossible to accomplish anything when you need help with the credit card.

Up to now I've had a fairly good relationship with Capital One credit card company, however, they charge high interest rates, and you need to be able to pay off your bills every month, or they're gonna screw you over good! And speaking of being screwed over, when I was in Portugal, someone used my card to purchase something, and even though I wasn't on the continent at the time the purchase was made for a company called JA San Francisco, the credit card company decided, after I filed a fraud claim, that I did in fact, make the purchase (even though I was not on the continent at the time) and they are sticking me with the damage, sending me a hokey letter that gave zero reasons why. After getting the letter, I called and spoke with not one, not two, but three different people, and in the end, they couldn't explain anything: not where the charge was made, not what was purchased, nor who the merchant was, and even so, they stuck me with the charge! If I could give ZERO stars, I would. I call Bu!!$h!t!

If I could give them a 0, I would. They are a terrible bank to deal with. They messed up and it took them 2 months to notify me. No explanation. We sat with the teller for 45 minutes only to find out 2 months later that it was a total waste of time. Please go elsewhere for your banking needs. Very bad bank and very bad customer service.

Disputed a charge for a restaurant in New Orleans. Did not have my card with me for that trip. They denied the fraud claim. Will not renew. I spend 20000 a year and they have lost me over a $43 charge. Called me a liar, saying me or someone else benefitted from the charge. The travel program is riddled with charges and is hard to use. I mostly had the card for Priority pass, but will just pay the $439 for the Priority pass card and get the restaurant benefits.

29% interest rates are beyond ridiculous. My condolences for any stuck with this card. So many better opportunities that are hands down better. Worst customer service ever. Just a heads up for anyone using this card.

This review is for Capital One Travel. Capital One outsourced the travel portion of their card business to a third party. I do not know when. It has been a disaster since. I have been with Capital One for close to 20 years. Working with in-house agents was fantastic. We were stuck in D.C. as hurricane Sandy approached. One phone call and they got us on a flight out of there at no extra cost. Been on many flights, booked with them using points, over the years. Booking my flight to Hawaii recently has been a nightmare. Booked, then needed to change. No can do😩. Tried to get a detailed receipt, nope. Finally after 3 attempts between the airline and Cap One Travel, found the airline wanted to charge $291 each to move departure back 2 days. Cap one was no help.

No online access even though they advertise it. Have had a complaint open since March 13 and zero work on their end. Not very honest, when you call no customer service available they refuse to answer questions. They just have you do the same thing over and over. Reps have zero common sense. If you do the same thing over and over again and change nothing. You will get the same results. Not transparent at all. So many secrets. So many people they can not connect you to.

I have been a customer for over ten years. We left on an RV trip around the country 2 months ago. Several days after we left I got an email saying new cards were mailed. I didn't think much about it be cause our card don't expire until 10/26 Today, July 7th, I get an email saying that on July 9th my current credit card will no longer work and I need to activate my new card. Called them and said I won't be home until July 19th and I've been using my card for fuel purchases for the last 2 months and if the shut down my card they would been stranding me half way across the country. They said sorry. There was nothing they could do. There is something I can do and it involves never doing business with Capital One ever again.

I had a Capital One credit card. I would pay off what I thought was the interest and the late fee, and very little went to the principal. No sooner did I pay that bill, they tacked on another $75 in interest, before the previous bill cleared my bank. When I was one day late, I asked if the $8.00 late fee could be waived (paycheck determined), and they told me "Well, we will see what we can do." Never removed the late fee. I tried several times to contact them about lowering my monthly payment to one that I can manage, after my card was charged off.

Buyer beware! Capital One may offer you travel credits. Also Discover and Airlines may offer you a temptation of a travel credit – do not accept it. The travel offers can be only be made through Capital One Travel. Each travel offer has a specific applicability, so it won’t work for almost anything you may have in mind - the starting prices will be much higher and the availability much lower. Read the terms and conditions – it’s about 100 pages long and there is no way you will ever meet all the terms and conditions. There’s always some exclusion somewhere that means after the fact, you’re just gonna be stuck paying for everything. Whatever the offer is do not accept it.

Used to be excellent. Some things still true. Easy to use, low fees. However, the recent change to Discover has been awful. Suddenly a huge trusted network of ATMs whittles down to barely any. Traveling is supposed to be easy with them, but with the Discover network it is hit or miss, sometimes completely useless. I found myself in Mexico completely unable to pull cash out for anything. If you travel at all, or rely on a broader network of coverage, stay away.

I opened a 360 Checking account and deposited $1000 from my US bank account, based on Capital One's promotional offer, which stated that I would receive a $300 bonus after meeting the required conditions within three months. However, after four months, I still had not received the reward. When I contacted customer service, I was told that my initial deposit, which I had transferred from my U.S. Bank account, did not qualify for the promotion. They explained that the deposit needed to be made in a specific way, but despite their explanation, the requirements remained unclear and confusing.

I recently tried to pay my Capital One card(s) bill by phone using my debit card from the bank that I normally mail a check from. They will not take a payment by phone using a debit, they want me to voluntarily give up access to my bank account and routing number (this bank is an hour away) in order to make a one time payment by phone, that's not happening as they have been also pressuring me to go paperless and give them my bank account info. They REFUSED to take a payment with my debit card and this will cause me for the first time to be late out of all of my bills, mortgage etc...unless I go to the local bank and pay for a cashiers check to mail in order to prevent it being late while I wait for my checks to come in...they refused!!!

I just needed my phone number updated so I can log into the app and see my account information and pay my car note, but instead I now have to call every month to pay and I cannot access my account info. Their app is absolutely terrible and the nice people who tried to help could not do anything to resolve the problem. Please don't use Capital One or the app. It's beyond terrible and if you change your phone number you won't be able to do anything. I wish I could go to another company but unfortunately my loan was through this horrible company. I am not happy and I wish I didn't ever choose capital one. I know no one cares about review but capital one is abysmal and subpar.

I am extremely disappointed with how Capital One handled this situation. I purchased a vehicle warranty through a used car dealership, later canceled it, and received a refund of approximately $2,700. The refund was correctly applied as a credit to my Quicksilver credit card account. Since the credit created a positive balance, I simply requested that Capital One send me the remaining funds by check, which is a standard practice for credit balance refunds.