Capital One Reviews

Two years ago I had a 485 beacon score and a friend sent me a link for an unsecured card. I laughed thinking he was being a funny guy. Well I filled it out and 2 years later I have 2 accounts with Capital One and a 645 beacon score. Yes Capital One sent a drek a card and in two years helped him build his credit. I noticed the bad reviews and I also see people who leave bad reviews because they could not get something for nothing. Well I have never had a problem and have grown well within my credit profile. Why? First I pay my bills and don't try to get free stuff and second Credit Wise 🦉. It is amazing and we get it free? I am and always will be a 100% satisfied customer of Capital One and oh by the way I jumped up 200 plus in credit score. Thanks Capital One. You know what's in my wallet. 😎

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

If I could give 0 stars I would. Capital One system is glitching and not allowed to make payments until a statement is generated and they refuse to listen. I have pictures and proof and I will be sending them in through my attorney. Below is the proof and they refuse to make it right.

I have been a Discover Card Customer for 40 years and never had my due or statement dates changes. That is why I am so upset with Capital One. I think it is being done on purpose with the hopes of Capital Once issuing their own Credit Cards to Discover Card Customers. Don't let that happen. Due and Statement dates for Discover Card customers are changing due to the migration to Capital One without CONSENT. I believe that that is an illegal practice under Consumer Financial Protection Bureau (CFPB) law. Also Customer service can't even tell me when my August statement will appear. Again probably not legal under CFPB. I hope Capital One see this and corrects every customers' account to its original Discover Card Due date and Statement date ASAP.

Should be zero stars. I pay my bills on time and today I noticed an interest fee that made no sense since I pay my bill every month and the long and the short of it I was lied to and one point a manager told me I was accessed interest charges for consecutive months based on an error.. How is that possible I'm being taxed multiple times for one mistake.. It's stealing and unethical.. Don't use this company!

I thought I could travel with CapitalOne credit card, peaceful in mind, but I was wrong. We recently travelled to Oslo, Norway and stayed in Citybox Oslo. It was the worst stay I ever had. We were woken by bed bug biting. After we complained to the hotel and got no response, we disputed the transaction with CapitalOne. We expected at least CapitalOne would fully refund us, but CapitalOne didn't work on our best interest and told us the hotel didn't agree for full refund. I think from now on, I have to reconsider if I should use CapitalOne for travel or not.

I have been a Discover card holder for over 20 years with no issues. Capital One just took them over. And it's been a nightmare. They shut off my card, because they're sending me a new, because of the take over. I called Capital One, they said my new card would be here next week. They shut off my card before they send the new one! Guess no gas or groceries this week! 20 years with Discover no issues, 1 month under Capital One good company driven into the ground.

Mixed reviews. Sure at first, best thing since sliced bread. Get a card, build credit and so on. Decade or so of banking with them later.... um no. The CVS pharmacy deposit is handy if depositing cash, but why does it take nearly 6 or more days to transfer money from a verified account they have utilized numerous times to them?? Let's add the fact you can not literally email them AT ALL for anything!!! I can see why it takes so long. They give you many addresses to mail payments to, and find out it's not the "right address". Yet customer service and the website state it is. But it is not. Solve that riddle.

I’ve been with Capital One for a couple of years. Have multiple cards with them. I never been so frustrated in my life and treated so horrible with a company like this. My account got locked out because of a mistype password. OK fine. Called in to try to get it unlocked. They sent me through every loophole in the world known to mankind and it still wasn’t good enough for them to verify identity. I sent in mailing address to verify me, sending checking account information to verify me, and the same checking account information that I pay them every month through to verify me, they want me to go and order some checks to send them a canceled check just the show. It’s me and wait 30 days for it to come while my account is locked out. They gotta be out of their damn minds. I would never ever deal with this company again. I’m looking into trying to cancel these cards.

Today's Capital One sent me an email and text saying there was unusual activity on my account. They said a starter check (Check No. 139) was cashed from my savings account. The problem is I don't even have checks for that account, and I definitely didn't write one. What shocked me the most is they notified me after the check had already been processed. When I called, they confirmed it was fraudulent, froze my account, and told me they would investigate. They also admitted they couldn't explain why a check had been processed against my savings account or tell me when I'd get my money back.

I have had a Capital One Spark Business credit card for several years. I found out my credit limit was reduced to basically nothing because I didn't use the card much and there is virtually no way to get the limit back to what it was when I applied for the card... I was punished for being responsible with my card and now I can't even use it when I need it for my business. Do NOT get one of their cards if you are responsible with your credit cards... The card is now worthless to me...

CAPITAL ONE is a credit card company that gets away with abusing customers. I had DISCOVER for over twenty happy years. Sadly, DISCOVER was taken cover by CAPITAL ONE. After complaining to CAPITAL ONE that my bill had not arrived by mail and requesting that the bill be sent 3 times, I finally paid the bill by phone 6 days late. At no time did a representative inform me that I would be charged exorbitant fees, regardless of the failed mailing. I made the first call requesting the bill be sent before the due date. I was 6 days late in payment. I paid by phone, without receiving the bill by mail.

Since Discover switched to Capital One I’ve experienced the absolute WORST CUSTOMER SERVICE EVER! They don’t listen, talk over you, and do what’s easiest for them. I called to dispute a charge and she was practically accusing me of being a liar. Then just opted to shut my card down instead of helping me attempt to resolve. Our Son just recently switched to an Apple credit card - my Husband and I will be following along. Disgusted.

STAY AWAY from Capital One credit cards. In nearly 70 years, I had never been denied credit until I applied for a Kohl’s/Capital One credit card. I have an 825 credit score, no history of credit problems, and was a longtime Capital One customer. I previously had a checking account, overdraft protection, a credit card, and even a car loan with them when I lived near a Capital One branch. They were always convenient and treated me well in the past, which made this denial even more surprising. After looking into it further, I have concerns about how some applicants are being evaluated and whether those decisions fully comply with the spirit of the Equal Credit Opportunity Act (ECOA). Based on my experience, I would strongly encourage people to do their research and carefully consider all their options before applying for a Capital One credit card.

I have done 3 times to add a user to my account. Capital One said I would get an email. The problem has been that I never got an email for that. We went to the local branch, expecting we could do it there. Unfortunately, the teller told us that he could not be able to do that because the system does not allow him to do that.

Horrible customer service with disputes. Provided Capital One a signed copy of a contract showing amount I should have been charged along with actual charges that resulted in a large overcharge. Also provided copies of correspondence with merchant where they agreed there was an error and would refund the difference, yet they didn't, so I filed the dispute. Capital One denied the dispute within minutes, saying they needed a receipt from the merchant with the correct amount showing. The contract and other documentation wasn't enough proof for them to reach out to the merchant.

I have been a customer for 23 years, I have run over a $M in charges during that time (Business card for # of years) and my card has to be inactivated due to fraudulent charges. I leave for a cruise in Europe in 72 hours. They cannot get me a replacement card before 3-4 days. I have spoken to a customer service agent and supervisor and they refuse to do anything to facilitate overnight deliver card. Very disappointing and I thought they could have done better than that. The supervisor’s solution, call back tomorrow and see what they can do then! That makes a lot of sense.

Gave them a 1000 for a secure visa then the day I got my card they closed my account before I even got to use it once. Now they are telling me I have to wait 2 billing cycles for them to send my money back like it’s no big deal. They just keep my money and never even got to use the credit card once.

I am extremely disappointed in the poor customer service provided to me by Capital One in my recent "mixed files" identity theft. While individual agents were polite, there was no one who could help me resolve an issue that impacted my card with Capital One. I received no personal communication. Notices were filed online, but I could not access my account to read them via the app or online during this period because Capital One restricted access. I was a loyal Capital One customer for 23 years, never once being late on a payment or going over my credit limit ($20,000). I am appalled at how little anyone at Capital One cares. Goodbye. American Express and Wells Fargo will get my business

Capital One stole $349.99 from my account! I did not authorize the debit by Netverze back in early June for a pool device. They are a website design company, but the claims department believed that I purchased a pool device from a website design company. Furthermore, their company phone has been disconnected! The person reviewing my claim believed the merchant over a customer of 15 years. Bottom line, I did not authorize the debit to my account!! I will be closing my Capital One account and be moving my business to a bank that respects their customers! I had issues some issues with Capital One previously, but I stood by them when I should have changed banks back then! I will be voicing my opinion about Capital One on social media as well!

I have been on the phone for three hours today with Capital One. I am exhausted and no resolution. It will take 10 day apparently.... No concern that a small business cannot function with bad information from the company. I think I have spoken to 4 people today.. One hung on me.

Capital One committed fraud against us.. charged us for a transaction they assured would fix the issue.. A month later they still did not fix it. And left us with a charge.. They are a horrible company.. and extremely dishonest.. I watched my husband go through hell and back again for a month with over 14 hours on the phone.. and it still was not resolved.. They charged him a fee assuring him the card issue would be fixed. The card issue was not fixed.. he could not even use the card and a month later they say they refuse to reimburse the fee that they charged.. A huge scam on capital one.

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.