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.

I’ve had a solid experience with Capital One overall. The app is easy to use, and I like how simple it is to track spending and make payments. Customer service has been helpful when I needed it, though wait times can vary. Their credit tools and alerts are also a nice touch. Not perfect, but reliable and convenient for everyday use.

I want to give Capital One's Fraud and Security team a HUGE THANK YOU.... They flagged what they thought was fraud and saved me $$$$$$ thousands. Specifically "Jack" I thank you over and over. I appreciate the diligence you guys had in catching the wire fraud.

Capital One is a rip-off. I use the 12-month transfer of balance and what they do is you will never be able to pay it off while you make any purchases. Now I have to pay off the entire balance before they apply any of the money of the account that I transferred when I make additional payments on the account. I make my monthly payment then I make an additional payment to apply to the transfer account and they will not apply it until after you pay the entire balance off that you have already with them.

I have received the email offer from Capital shopping that if I bought a ticket and paid 330 dollars at Turkish Airlines I would have got $100 back, I bought a ticket and paid $1066 and they have not given me anything and now calling they keep saying that it can be sent in 90 days, 30 days are gone and I have to wait for 60 days and I am obliged to use their card…Moreover they are not sure whether I can redeem that amount or I can only spend those awards only if I buy something through capital shopping… This is so misleading and unethical, this information was not anywhere in the mail, only one sentence and now they give me their conditions and I am not sure whether I get any cash back…while I could have paid ticket price from another credit card and got higher cash back

I had a Capital One credit card that I paid off in full two months ago and customer service said it's paid in full and closed. I would not have to pay anything else. They sent me a bill on the 5th for 4.53 for interest they forgot to put on the bill and now I have to pay that and 3 days late fees cause they made a mistake and I was unaware of a bill but they want me to pay for their mistakes. Capital One is a horrible company and they don't care about customers. They just want to screw people over for a few dollars. Do not get a Capital One credit card. It's the worse. I've read other reviews and it's not the first time they want you to pay for their mistakes.

I already have their credit card and they still send me emails 10 times a day. They refuse to let me block or unsubscribe. A real pain.

Capital One implemented Artificial Intelligence for customer service support. It is the 2nd barrier/interaction a customer takes, after automated voice system. Then, after wasting time and repeating oneself constantly with no progress, finally the customer will be/should be directed to speak to another “department/associate to be better assisted” who is, in fact, a real human. Finally. The only way to solve real/complex/ambiguous issues and concerns.

As a long-standing customer, I have recently experienced a significant level of disappointment. The recent changes to the debit cards have resulted in payment issues at several establishments, leading to considerable embarrassment. Consequently, I have decided to transition my banking services to Bank of America.

You make a payment online, your bank transfers the funds to Capital One and it takes up to 1 week before they reflect the funds against your account. If you contact them, they only give you the run around. Saying although "We can help you", they never do. Corporate banking bull to the highest degree. Most credit card companies process the online transaction in less than one day. Capital One holds your funds for up to a week. This allows them to invest your money using overnight loans and earning lots of interest. Talk about a massive scam.

I made a double payment by accident. I contacted Capital One the day that I noticed the mistake and called them. The first rep told me to call back after the payment has been processed from my bank. I called the next day after it had been processed, the first rep put me on hold for 40 minutes, I wasted my work lunch time as he didn't come back to the line. I called back, this time the rep offered a refund by mailing me a check that would take up to 10 days, I asked to speak with a supervisor only to be told the same thing. Their customer service is terrible, my time was wasted as no solution was offered as I told them that extra payment was meant for a different bill and I need it that money back in my account sooner; it did not make a difference.

I had a run-in with a BJ's employee when using my Capital One credit card, whereby she was not at all helpful in assessing why it would not work. I know she is not a Capital One employee, but it was the attitude that said it all and had had enough with the credit cards being an issue. I called and told Capital One my card was not working and they couldn't have cared less until I told them to cancel the card. They tried to get me to keep it but nope cancelled it. Now, with no bills and no notes to me, they are assessing late fees and more and more interest. Also note that I have tried numerous times to make payment and system was down, so I forgot. Would have been late as I pay on the due date and not before. Now they have Discover. Unless they refund me, I will be cancelling that card too.

PLEASE STAY AWAY FROM THEM!!! A missed payment will end you up in collection, they do not work with you. Legal robbery!!

Capital One Travel prioritizes policy over actual customer service. I booked through their travel portal expecting support if issues came up, but instead experienced endless transfers, scripted responses, and zero ownership from anyone involved. Even after the hotel itself approved a goodwill accommodation and was willing to move the reservation, Capital One Travel continued hiding behind process and third-party policies instead of helping solve the problem.

Very difficult to resolve issues with customer service by phone due to language barrier. This occurs very frequently.

Capital one caused a 16 point decrease on my credit report which is a direct result of their incompetent reporting on my line of credit. They reported my line of credit as 1290.00 when it IS 15,000.00, this is a huge and unacceptable mistake. This type of mistake, they should be able to correct it immediately, INSTEAD they gave me the run around, wasted 2 hours of my time, and insisted I do their work. CAPITAL ONE has all my information and should have the ability to correct it, they are not paying me hourly to correct THEIR mistake. I have closed all cards with them and will NEVER deal with them again in the future. I need to bill them for my time wasted and stolen from my family due to their HUGE mistake. I HAVE excellent credit for a reason, one being I do not tolerate INCOMPETENCE from a company like capital one.

I had initiated the CD option to close the account at maturity and have it transferred into my savings account. I received an email confirmation of that status one month prior to the maturity. However, on the maturity date, the CD did not close and instead rolled over into a 14-month period. Because it was within the 10-day grace period, I was able to manually close the account and transfer the funds into my savings account. You cannot write Capital One to inquire so I had to call their Customer Service. The agent put me on hold to research what may have happened and told me that it would require further research. But she also said that I would not receive anything in writing and therefore would never know the results of their research.

Capital One is the worst card I have ever had. The customer service does not know what they are doing, it takes 30 minutes to try to explain something, and they don't get it and then if you think they do they still mess it up or just don't do it. I am a Retired United States Air Force Disable Veteran and They made me prove I was a citizen when I was born here. I had to show my social security card and where I lived. I was insulted!!!! I WILL be paying it off soon and it is GONE!!! I am sorry I ever got it. Good luck to all who want it.