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 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.

Worst Credit Card company ever!!! Closed all 4 of my credit cards for absolutely no reason. Made the scheduled payments on time all the time. Kicked back my payments and closed my accounts.

Shelia eyz095 was inconsiderate, lack of customer service and doesn’t understand how to correct nor be empathetic to customers problems when her own team gives out compromising information. And they placed her in a senior account role!!!! I’m a new customer to Capitol One and already regret my decision banking with them!!!!!

The Capital One fraud department is a joke. I received fraudulent charges on my credit card twice. I fully documented how the charges were fraudulent yet each time Capital One declined to remove the charges without ever really explaining why. I think they were just lazy and incompetent and didn't want to bother. I quit using that card.

Capital One replaced my Visa card with a Discover card without getting my permission. I found out when my card was declined twice by businesses that don't accept Discover. I have nearly perfect credit and had a 25K limit. I carry no balance. Once I called they were rude and entitled. I got the best cash back visa in the world to replace their card. I will never do business with them again.

This is the worst bank I've ever dealt with!!! Since February 2026, my direct deposits have been going in later and later!! Today, it's 5:06 pm and my money still hasn't been deposited into my account!!! I verified with my employer that it was submitted but Capital One says they don't see it!! I've had to call every Friday since February because of how late it's deposited and usually, about 20 minutes after I call, the funds are deposited but not today!! I work with 500 guys and I'm the only one who hasn't gotten paid!! I've changed my direct deposit to another bank and once my money is cleared with Capital One, I will be withdrawing the funds, closing both my savings and checking accounts and canceling all credit cards I have with them!!

On June 22 I was notified of an incoming zelle transactions and just needed to click link, re-route to zelle who in turn re-routed me to my bank... Cap One. I log into cap one and receive an error message. Called cap one June 23 and was pushed around to multiple people and finally told that due to a change in carrier/new device on June 6, my device is not considered a "Trusted device" and had to wait 15 days for that to happen.

I tried to notify Capital One directly, but they didn’t want to hear it. I’m closing my accounts after 8 years. I’m astonished at the amount of needless advertising. Pop ups on every page of the mobile app. It’s shameful. Unable to opt out. I feel like my direct link to my money should be a safe space from predators trying to get me to spend more of my money…which they already are already making money on my money… So now you want even more… Greedy bastards. Now you’ll get none of my money. Also, completely obnoxious trying to deposit large checks. At one point, the nearest location was in Chicago. I found it quicker and easier to open an account with a competitor and transfer the funds. Not so convenient checking.

I am so fed up with Capital One credit card, we used it for our business, then we paid the balance off and closed the account. After we closed the account, we had originally set up automatic payments of $500. After closing account, zero balance, they automatically took $500 out. Trying to get it back was a pain, it could take up to 2 business billing statements to get it back, OUR MONEY! I talked to a manager and got a check within a week or 2. Before cashing I noticed they credited our account for $500? Now I got a bill for 502.32 for check of which we did not cash, plus they are charging me interest. Called them, they will credit account, but could take up to 2 business cycles! In the meantime, I'm having to make min. payment and charged interest. It's only a couple buck, but it's the principle. Talked to manager, couldn't erase it!!! PLEASE DON'T USE THEIR CREDIT CARDS!!!! I WILL REPORT TO BETTER BUSINESS BUREAU.

I was a random victim of a fraud targeting quota administered by Capital One Savor fraud department in India.. This fraud department created an event when there was no fraud or dubious charges on my account... They blame it on their computer system which makes decisions for them.. My card was suspended after I submitted my license information and facial photo to their fraud department. I have to wait 1 to 10 business days for someone to get back to me. There was no fraud that initiated this and I was able to easily confirm my identity with several agents. I feel that with this fact that Capital One fraud department in India has quotas that they have to meet. In order to meet these quotas they have to manufacture fraud events which is the case with me..

WARNING!.. If you can afford to payoff transfer balance ASAP do it now!.. Capital One scheme rip offs. Whatever your score below 650 intent to keep under. Never to go up!.. Others get extra credit limits. Score above 699 most often who really don't need.. Capital One design scam. Charge high rates. Find some other finance services... Main targets anyone. Capital obtain gets ripped off.. Capital One you suck. I pray your business disappears. I wish those hack every service collapse ruins to its entirety. It's fully corrupted shady business.. Most of the employees habitual liars. Can't trust.. All greed. Nothing in writing. Related services just trapped into foolishness.. Top 5 crime operation worldwide. Capital One stay away from here! The most crooked terrorist and vicious known.

My SSN was used to apply for a credit card. I contacted Capital One to submit a fraud report and the rep wouldn't transfer me to the fraud department. When I said "So from this conversation, I gather your company does not take fraud seriously", the rep replied "That is correct." I could only laugh. I will definitely never use this company in the future.

If I could give Capital One zero stars, I would. Capital One has been one of the most frustrating financial institutions I've ever dealt with. Their customer service has been anything but helpful, and I never felt like they genuinely supported me as a customer. If your payment is due on a certain date, don't assume paying later that evening will save you.

During my time with Capital One bank they were great. But During my bank issues they closed my accounts. Without reaching out and asking for the issue. I will never use this bank.

I purchased FIFA tickets through my Capital One rewards. I paid 440,000 points for what I thought were $2400 face value tickets (advertised by Capital one). I was just issued nose bleed, $220 face value. Called capital one. They basically told me to eat a d**k. Weak

Horrible Booked hotel. Hotel said fully refundable til day before reservation. Cap 1 travel charged me $2400. Tropical storm expected so in advance tried to cancel. Cap 1 won't refund my $$ even though hotel confirmation said it's refundable. Now fighting between both Hilton Pensacola and Cap 1 to get my money or my reservation back. Knew better than to use third site, but didn't trust my gut.