Capital One Reviews

I recently had an unpleasant experience online while using google search to locate a website. After selecting the link I was taken to a page requesting credit card information for ID verification. I used a virtual card number for the transaction. Almost immediately I received a popup for the bank asking me to verify a purchase of ~$50. I answered no and the transaction was declined. It then immediately cancelled the underlying card and issued a new card. I've never seen a bank respond so swiftly to a security breach in my life. Thank you Capital One!

I love Capital One. My first unsecured card was the Platinum Card from Capital One, even without any credit score, I was approved and get an increase on the credit limit. Easy to work in the App and in the website. Great customer service. I opened also a 360 checking and Saving account. My direct deposit is credited to my account one or two days early.

I can not say enough good things about this bank. They are a bank so of course they are profit minded but they have always been very helpful to me and my family. Our electric company withdrew our payment 3 times in one day and refused to do anything about it. I called Capital One and had the money back in my account within the hour. It was easy to speak with a person and get the situation handled. Can't say enough good things!

I've been a customer of Capital One for years, & they have always treated me fairly, had 1 other credit card w/ them after paying that one off & closed that one. Opened Up the Quick Silver Credit Card. Never had an issue w/ their customer service, they closed my account immediately when I told them my card is missing and sent me a new one, increased my credit twice. When I have a problem with transaction that is put on card without my permission, Capital One did a dispute for me and gave me a temporary credit. I've never had an issue with Capital One disputing it for me. Capital One have always sent me text message & email alerts about my transactions, email me about scams. I don't know about other customers, but I've NEVER had an issue with Capital One.

Capital One has extended credit to me when no other bank would. Even after I had extreme circumstances in the past that caused me to default on a Capital One card, they approved me again in a couple years when I got back on my feet! Their service has always been top notch. Never one issue. App is so easy to use. Rates and fees are very fair. When someone like me has lost their daughter to suicide and had much more happen to set me back financially this kind of company is a godsend! Thank you Capital One!

After 13 years of maintaining a perfect payment history, Capital One rewarded my loyalty by slashing my credit limit from $11,500 down to $5,000. They are essentially penalizing a long-term, responsible customer simply because I don’t carry enough debt to satisfy their algorithms. When I called to address this, the experience was a total waste of time. Both the support staff and management offered nothing but scripted, robotic answers and refused to perform a manual review of my account. They showed zero interest in keeping my business or acknowledging over a decade of reliability. Since they’ve made it clear they don’t value my history, they’ve lost my future business. I’ll be leaving this account at a near-zero balance just to protect my credit age, but I will no longer be using this as a primary card. If you want a bank that treats you like a human being instead of a line in a spreadsheet, look elsewhere.

I've had Capital One for couple years and I've had nothing but issues with them. They've had to send me 4 cards in that short time because of "problems on their end". I found a way to stop the problems. CANCEL! I already feel better about my future.

My mother passed away a few months ago. I received a statement showing she has a negative balance. I called to find out how to get a check sent to her estate for the negative balance. The agent, even though I told him she passed away, told me THREE times that I have to contact her and have her authorize my access to her account. Again, fourth time, I clearly and concisely told him - a bit more blunt - this time. SHE IS DEAD!!!! He still did not understand, and insisted I get her on the phone to ask for a refund check. I told him he was an idiot and slammed down the phone. He was obviously from a foreign country, but seriously, when does deceased, passed away and dead NOT mean that the person is no longer living? I am SOOO happy I do NOT have a Capital One card.

Horrible customer service. I closed my account and was told 3 weeks later that I owed interest! When I called and said that I closed my account and it was at 0. They told me some crazy story about not paying the full amount in Dec which didn’t make any sense as I have always paid on time! I would never use them again and Customer was nasty too! There are plenty of other banks!!

I was a CapitalOne customer for ~15 years. They were doing good job resolving problems and providing support, until recently. I opened dispute, providing support documentation and evidences (including Dubai Coast Guard police letter, which was not easy to get), indicating that service I purchased, a cruise, was not provided in full and according to what was advertised. 10-page supporting doc contained synopsis, pictures, screenshots, letters etc.