Capital One Reviews

I was trying to upgrade my card to a no annual fee card. I have an excellent credit score but because I currently have a card with an annual fee, Capital One will not upgrade me to a no annual fee card that matches my credit score. They will only upgrade me to a card for people with 'fair' credit. I just paid my balance off and will be closing my account as soon as the payment posts. My family will no longer be part of the Capital One family.

Great television ads but that’s the only thing positive I can say about Capital One. I used them before and experienced high interest, late fees and a general unwillingness to work with customers. I remember calling them to try and see if they could lower my interest rate. The manager said she was (a) familiar with my account and (b) not going to lower my rate. So glad I eventually paid them off, closed the account and tore my card up.

I made a overpayment before I closed my account and never received it. Even with excellent credit their rates are extremely high. Also whenever they raise your limit they raise your interest even if you did not ask for a higher limit.

It has been nearly a week and Capital One has failed to resolve an issue with their software. I paid off my credit card with them and received no credit for my payment. I’ve been given the runaround on the phone. I found out when I received an email saying my account is delinquent! I’ve talked to 3 people and sent in proof that my payment posted to my bank account. Terrible service. I’m so disappointed that I may need a lawyer to sort this out.

Their computer system generates just about everything for them and it is very difficult to be treated like a human. Their customer service department is merely a bunch of zombies reading from a script therefore is almost impossible to have a real discussion. I've had this card for two years and never had a late payment. I paid this months after 8 pm ON THE DUE DATE online, which apparently didn't doesn't through until the next morning. I received a late fee. I called customer service and even talked to a supervisor. Neither one could or would, waive the fee. They do not humanize any situation or help rectify a situation, you are just merely just a number. I closed my card as did my husband. What a joke of a company.

To process a bill payment online must choose date to mail so it will be received by due date. Funds are withdrawn from account date sent not due date received. Should be withdrawn on actual date cashed. Also date to be received is late.

Have been a customer for a long time but they lost my business when my credit card number was stolen by a merchant and was used fraudulently. Capital One told me it would take a week for them to send me a new card to my apt. They would not overnight it to be on the safe side instead of sending through regular mail and I told them mail gets lost in these apts. They told me I could pay them $16 and they would send it in 2 to 3 days and I told them that's stupid. I shouldn't have to pay for my card to get here safely after it the number was stolen. Will be closing my account. BTW my credit score is 780 so I have great credit

I have been working on my credit and was offered a Quicksilver card and promised 200 after I spent 500 in 3 months. After several calls I was finally told that I did not qualify for this but was clearly told that if I qualify for the card I would get this $200 credit. I canceled immediately and paid my balance.

CapitalOne charged me a $59 membership fee for a card we do not use and do not want. We did not see the $59 charge. We did not receive a bill. Then, they charged me $25 as a late fee and $1.11 interest. Finally, we received a phone call to notify us of a delinquent account. I spend $30,000 to $50,000 per month with CapitalOne Credit cards for my business. We pay off EVERY balance... EVERY month and pay no interest.

We have small business account with Capital One for many years. Recently we received incoming wire transfer to our Capital One account. It is surprised to me that I found Capital One bank still charges fee for the incoming wire transfer nowadays. I have business account at other banks that have no such charge. I feel I have been robbed. I went to branch asking the manager to waive the fee, the manager told me Capital One doesn't give branch for the fee adjustment. She gave me the customer service number to call. I called the number and spoke to the supervisor. The supervisor told me that he doesn't have the option to waive the fee either.

I've been a customer of Capital One for a few years now and, overall, my experience with the bank (re: 360 checking and savings account) has been very positive. This review is exclusively about their credit card department, as it involves my recent experience with their Venture credit card. I recently needed to make a money transfer with Wise and the system didn't allow me to verify my Capital One checking account for the transfer at the time, so I decided to use the credit card (Wise offered a free transfer and there were no fees for that option either).

I went to Mill Creek RV park in TN had BAD experience, Capital ONE refused to support us AFTER I had a recorded call from Capital ONE stating we would be covered if we left the property. It's not the $100 it's the principal of them asking for 100s of pieces of paper you give them EVERYTHING you have & they still refuse to help you! Because policy on place is NO refunds period, which is wrong! If I had used my American Express card I would of been covered.. NO issues, NO questions! Capital ONE is cheap, does not care about customers only themselves & the ole mighty dollar!

I got a scam and I realize 5 minutes later That, can call the Capital One, reported the scam, and asking to stop the payment and cancel the old credit card but they insisted to pay for the scammer. The reason is "even we know it is scam but as long as they have your information, you have to pay it", that is an exact word from their customer service. So, stop using your Capital One credit card, because they will help the scammers, not you.

Capital One declined a charge for a vehicle repair. I called to find out why. They told me to verify some information and then sent a text to my phone. I did so. I was told to wait 5-10 minutes and run by charge again. I did this 3 times! Each time it was something different, still DECLINED. On the 4th attempt, I was told to scan my driver's license bar code and other things. NO!! I called Discover to inform them of the incoming charge. They sent me an email and text message informing me of the charge after I did it. I approved the email and text. They pushed it through. DISCOVER all the way!!

I recently applied for the Quicksilver credit card because there’s an active promotion for $200 cashback when spending $500 and I met the criteria for it and so I applied.. When I got approved, it turned out I didn’t get the promotion because of some error.. So, I called capital one 3 times until I was transferred to a supervisor who said to me, “I’m not allowed to disclose the reasons for being declined for the promotion” and when I asked her if she knew what the reasons are in the first place, she said no I don’t.. and that was the highest person that they could transfer me to..

I was a very good customer of Capital One for many years. I always paid on time and actually paid the card off last year and recently used it again for tuition and school books. My husband and I got a HELOC to pay for school, so I tried to use the HELOC account to pay the Capital One bill. I put in the account wrong so the payment was returned. Then I put in the HELOC checking account number to pay off the Capital One bill, but I also mistakenly put that wrong in too (the HELOC accounts have letters in the account number so it took me a few tries to figure out exactly what numbers to leave out). Anyway, the third time was the charm and I finally got the checking account number in correctly and now Capital One has their payment. Except, they closed my account because the activity on the account did not meet their expectations (because the payment had been returned twice) and I apparently violated their customer agreement.

I am ready to close all of my accounts with Capital One after having them for only a few months. I was scammed by a Chinese seller and Capital One does not give the slightest of cares. They want me to pay them interest too.

I ordered the Platinum card with a 500 limit for my kids. Within 3 weeks, and before the due date, I made a payment of $500 since my daughter was out of town and the card was being declined as the balance was very close to the credit limit. The funds were taken out of bank account on 8/5. When I signed into the online portal, the balance showed -16.47 meaning I even had a credit however the credit left on the account showed zero. I called Capital One. They said they put a seven-day hold on the account before they release it. I argued that they already took the money from my account so why are they sitting on my money for 6 extra days and not releasing the card. The agent gave me some boilerplate nonsense that made no sense. I canceled the account and the card. True waste of time.

Capital One is a terrible company. They send pre-approval letters and once they run your credit report (and mine is good) they reject your application with a new credit inquiry on your credit report. If you get a pre-approval letter beware. False adverting and unlawful conduct. I have also filed a complaint with the BBB. No more of this immoral behavior on the part of these manipulative companies!

I filled out the pre-approval for a Capital One Credit Card and was denied. The reason was undischarged bankruptcy when in fact the bankruptcy was discharged months ago. It is on my credit report. I don't understand where they get their info.

Reported a purchase from a phony seller. I had ordered a 50# bucket of chlorine tablets from a company, and paid with PayPal. I received a confirmation from them saying I have paid an individual named Thomas **. Not the company I thought I was buying from at the time. Also, was given a contact name and number for customer service. When I called the number was not in service. Fifteen days later I received an email from PayPal stating the product had been shipped from Florida with a USPS tracking number and a contact email address. I went on the USPS website to track, and it said the item had been delivered the week before I got the email. Also the contact email address was invalid. After several phone calls to the Capital One customer service, which is all from Indian, and reps that were hard to understand they concluded that the charge was valid even though I never received any merchandise I had to pay the original purchase price.

Virtually EVERY DAY I receive AT LEAST one, if not 2 or 3 emails from Capital One wanting me to "click here" to receive a credit card from them!! I have NEVER even checked them out!! So how they got MY email address IS A MYSTERY TO ME!!! I imagine that they bought it, along with countless others from some email collecting site! Their email does NOT have anything like an "unsubscribe" tab. So it is IMPOSSIBLE to ask that they STOP their CONSTANT BARRAGE of emails!!! Which to me borders on stalking!!! It damn sure is nowhere even CLOSE to being PROFESSIONAL!!!! You'd think that after there is NO RESPONSE from an email address after, say one week of sending MULTIPLE EMAILS DAILY that they'd STOP but THEY DON'T EVEN SLOW DOWN!! I've been getting the EXACT SAME thing from capital one for MONTHS!!!

I've been a customer with Capital One for 5 years. Even tho I make payments on time & pay off my card, they frequently restrict my card or put payments or extended holds for no reason. Very hard to speak to a customer service rep & reps are not helpful.

I opened up a Capital One 360 account online. Keep in mind when I opened the account they used my SS#, DOB, Address and mother's maiden name to verify my identity. They used this same information to pull my credit report when they gave me a credit card. When I tried to log into my Capital one 360 account it took me to a 2 step verification. The last part of the verification is where they send me a text and I upload my ID. When I try to upload my ID it says it can not find my account. I called customer service about this issue. They tell me they are sending me a link to verify my ID. I explain to them that the link doesn't work. Of course they send it anyway and guess what? It did not work. They say they can't help me because they can't verify my ID.

Had two Cap One cards. Realized I had been making payments to just one, and not to the other. Once I realized my error, I called and requested they credit the two late fee charges. Their response, in so many words, "Don't let the door hit you on the way out". As credit card companies go, they are the number one in suing their credit card holders. They want every dollar!

The company was great until 2021. I would remove my auto payments off sites and then I would see a charge. So the card was replaced with a new card. And I received the new card and never activated the card. And what do I see? New charges again. Capital One lets Company Charge on my account without consulting me 1st. Now I have to jump through hoops to clear charges. This is Outrageous. You let companies apply charges when they call. NO No you are in the Wrong allowing unauthorized charges.

Today I applied for the Capital One Venture Credit Card after careful consideration between this one and the Chase Sapphire card. I decided to go with this one because my friend told me that she has the Venture card and acquired lots of points towards traveling and was very happy with it. I wasn't concerned about not qualifying for the card because I have always had great credit and always paid my bills on time. My credit score today was 821. It took a couple of minutes to fill out the form, and I immediately received a notice informing me that they were unable to approve my application at this time, and they knew how "disappointed" I was. Actually, I was "disgusted" by their very unfair decision.

For the past several months Capital One has spammed my email multiple times every day. Every time I delete one of their offers another one pops up in email. I called them a month ago and asked them to stop, and they said they would, but I still get multiple emails every day and now they are sending conventional mail offers too! Do they really think harassment and lies are the way to get customers?!

I purchased 2 flights with my reward points with Capital One. I needed to switch my flights and called their customer service number as directed on their website. I was passed around 5 times, waiting on the phone for 5+ hours; still on hold. This is ridiculous. I still don't understand why I was passed away multiple times and have not yet reached anyone that can do a simple switch. I even have the flight number and seat numbers to make their job easier. Very disappointed.

On this Mastercard, I was being charged by Meaningful Beauty every month for products I never received to the tune of $225. I disputed with Cap One and showed proof. MB responded that I did get the products (a lie) and Cap One reversed the credits they had given me. Why would they believe the merchant who had no proof and not me who showed everything to clear it up even though I've paid well and have a 825 credit score. I cancelled the card and will never use them again. They don't care about the consumer.

I gave this company two (2) stars because the credit card worked while I had it and the employees were nice and understanding with me on the phone. Hello, my name is Nik and I work in Tennessee as a college missionary. I only banked with Capital One for about a (3) months before my card was terminated by the company. I bank with Charles Schwab and tried to set up an automatic payment for my monthly bill (since I was only spending so much on my account) and had troubles on multiple occasions trying to make a payment. I tried setting this up with the help of my bank as well as with Capital One and both parties discerned that the issue was with Capital One and not Charles Schwab.

I was with Capital One, for 14 years. I was a valuable customer, Who made his payments on his two card accounts like literal Clockwork. Two times that I remember, I had my cards compromised, Called the customer service number, and spoke to a csr, and get my Cards **promptly** replaced, with no negative crapola from anyone. In November, 2020, my cards were compromised again. This time, however, I called the same number, and reached a no-account, fake, phony bunch Of people, half-way around the world, who were "glad" to replace my Cards, but: they wanted me, an american citizen, to send these crooks, A copy of my Oklahoma driver's license!!!! There is and was, no way in This world. I am going to submit to this utter nonsense!!!!

I am another person who Capital One approved an offer of balance transfer for 3% fee and no APR for 12 months. I went in to transfer 5 days ago and the offer was there but I was not able to do it via app. When I went in today to transfer, it's gone and another useless offer was there of a very high interest rate and no fee. What good does transferring to a very high interest rate do? I saw it on the approval when I applied and in the papers in the mail and on the actual site last week. Today they saw I was not approved!!!! It is a complete LIE! After I get the 200 back from spending 500 in three months, this card is trash. Capital ONE is an awful company that lies!! Do not use!! Very unhelpful CSR managers. Rude!

I am a loyal customer of Capital One, on June 17th I contacted customer service number and I spoke with one of your senior account specialist, his name is Marquis.Aagent number ** from Virginia area. I mentioned to him that my credit card payment on mobile application did not go through [it seemed to be a glitched on your system] and as the result of it I got a late fee of 29 dollars. I also mentioned to him that I was affected by Covid 19 during the pandemic. He was very inconsiderate about my situation, he was not ready to help me and he refused to connect me to his supervisor. I am very disappointed at your customer service and the level of negligence towards your customer during pandemic. This is not acceptable, I am very disappointed at your level of customer service. Your employee could not honor a simple request.. Thank you.

We all know that Cap One is basically a "virtual bank" in that they are not known for brick and mortar, HOWEVER, there are those times where you simply must speak with a human. That was today (June, 2021) and I had the worst experience. For EACH question that I asked the girl, she gave me WRONG info. Even when I pressed her, she held her ground. Then I directed her back to HER OWN website (capitalone.com) and she finally relented. THEN, the very next question, she got entirely wrong as well, but this error was not found until I went to the nearest ATM to find out that I could not do what I needed to. So I asked for a Supervisor to make me whole for my time and energy and they apologized, advising that they could not do that. DEPLORABLE!!!

Capital One enticed people with a 2% interest rate, got new customers and then lowered it to a fraction of one percent. Then they started closing branches. The bank has no visible customer service. Whatever tellers are at the few remaining branches have no authority at all. They also suggest you try a different bank. You try to reach the bank online and you can wait for hours on hold. I'm going elsewhere. It's unbelievable that any company would make it so difficult to do business with them.

Unable to change my address online. Customer support is outsourced and difficult to understand and or hear. 3 calls in 2 hours to change my address and the rep placed me on hold for 17 minutes. The security code texted to me, timed out because the rep did not know how to accept my address change through their text. Finally, released the call. My address still unchanged. Terrible!

How does Opensky charge for minutes for my phone which I didn't receive? The amount $12.20 ends up, $145.30. Most of which came from $300 deposit, plus a check for $64.80. They told me to dispute the charge.

Three weeks ago, I received an application for Capital One's Quicksilver and what led me to apply was an offer of a $200 bonus if I spent $500 in the first 3 months of the cards activation. I applied and was accepted. I tossed the advertising information in the trash because I assumed that Capital One would honor the REWARDS offer. The card arrived in the mail so I called them to confirm the $200 bonus offer via an email. They declined. They indicated that I did not qualify even though I had the information in writing. I have since found the identical offers on their websites dated 5/28/21. Capital One does not honor their promise. I've been on the phone three times and talked to supervisors but I have been denied the bonus offer. This is false advertising....IE: fraud. If you get the same offer and apply, make sure that you keep all of your documents because don't expect Capital One to honor it.

NEVER move and change your phone number. Disabled, veteran, 70 years old, Leukemia, spinal cord injury, homebound,. Locked out of my 3 accts because they require state id. I can't leave my house. I have what I need for id not good enough.

The Capital One online and app systems are comprehensive and easy to navigate. Checking, savings, and credit card accounts are all right at your fingertips and easily viewed either comprehensively or individually for more detailed info. Big thumbs up!

Capital One has closed most of our local branches which requires me to drive about 10 miles for their ATM or in person banking. They have mixed up my checking account with that of my son's causing his account to be overdrawn. They withdrew money from my savings account by mistake with no apology when I spoke with the teller...just basically said it was no problem to fix. Their customer service was so bad I wrote a letter to their CEO.

The longer I do business with Capital One the more I distrust the company and question its ethics. I have been a Capital One Card Holder for four years. I've always paid my bill on time and in that timeframe I've only filed three or four disputes and I am very active with my card. Each time I filed a dispute I had overwhelming documentation that the company was in the wrong, or that the charges were fraudulent, and each time Capital One's dispute department made it clear to me that the charges would remain and that opening up the dispute was a mere formality. It's like a kangaroo court. The decision is already predetermined and the dispute department is just going through the motions. I booked a hotel room in Atlanta, GA while I was in Dallas, TX. I went off the pictures on the website.

Capital One is a great Business Card to have, their Credit Card service is excellent, and they will stand behind you in every purchase you make. “But BEWARE of their Travel Center.” Tt is the Worst Travel Booking Agency I Have Ever Used! On several occasions I was on the phone waiting over Two and a Half Hours and they never answered my call! If you have a flight problem with the Air Lines they are totally unless and you will not get any assistance or support from them! I would recommend that if you want to travel, “Take Your Money from Your Capital One Points” and use it to book somewhere else It will cost you less, be much easier to book and if there is a problem you will get assistance because The Capital One Travel Center will not give you any at all!

There was an order for food made and quickly cancelled with the merchant. The merchant proceeded to charge my card after the order was cancelled. I called Capital One to dispute the first time. The representative said all take care of and credited. I was checking my account and noticed the charge reappeared on my account without any notification, call or letter. I called and the automated answering service does not work. Plain garbage. I was on the phone for 23 minutes to dispute an error. Completely unacceptable from Capital One. The charge should have never been added on. The order was cancelled and I was under the impression as my credit card and representative Capital One would be on my side. It looks like you're not. Paying off my balances and will use my other cards effective next month. No more business with Capital One.

Very Poor Customer Service. They do not value the customers and are only interested in their bottom line. I would not recommend using a Capital One card. Their customer service has extremely long wait times and they do not care about their customer satisfaction.

This was the worst banking experience I've ever had, and I've had some pretty bad ones. With Capital One, I started an account. It took weeks to get funds transferred in - failure after failure, and when all that finally got worked out, I couldn't use them for everything. They put a hold on the account and held my money hostage. I called night after night. They'd put me on hold and just leave me there, after transferring me from department to department. There's no other way to get ahold of them other than snail mail. The situation is currently ongoing. If you're going to bank with any organization, I highly encourage you to pick a neighborhood bank, and whatever you do, don't choose Capital One! Terrible service! Totally incompetent. My next report will be to the Attorney General of my state to just try to get my money back.

In this time of Corona Virus, I missed a payment. It is hard to keep up. I was given a fee which Capital One refused to waive. I have paid regularly and called to have this twenty five dollar late fee assessed. I was not given notice to my recollection of a late fee. I feel Capital One should exercise moral character during this economic hardship we find ourselves in. Truly saddened money is replacing morals for Capital one.

Talked to them today. Issue resolved.

We saw we was preapproved for the Quicksilver card. We go on mini vacations, rent cars, and hotel rooms. A card is a necessity for us. I was given a $1000 credit limit. We used the card a few times and paid 100% of our bill on time each month. We must have had good enough credit as is in order to prequalify for the Quicksilver card. I watched my credit score drop 40 some points and my available credit shrink to $150.!!! It is a nebulous process getting a credit limit then seeing your score sink out of sight through the normal use of a credit card and paying it all off in a timely manner. This is a cheap looking piece of plastic. There is a strip which has a phone number to call for activation. When you peel this off there will be a dirty sticky face on your card. Alcohol scrub will take the shiny surface off. I applied my rewards to my bill when I get them.

I had fraud at my bank! They were suppose to put a hold on future payments from March 15! They did not do that!!!! I had to change to my good credit card!! They sent my a new Capital one credit card in the mail!!! Which I did not activate! To double the trouble that put it online which they knew everything was hack and that credit card number could be used by the hacker!!!! I told them send me a bill in the mail with the old number. I will pay what I legally owe them!!! I don't want them anymore. They're not honest in my opinion!!!! I pay my bills always. They're not sending me a paper bill so as to add up late charges! My advise get a better card than Capital one! It's bad enough to get hacked then have to fight with your credit card company!!!!

0 Stars! This is literally one of the worst companies I have ever dealt with for any type of service. I had an ATV loan that was financed originally through another bank and my account was acquired by Capital One. I paid the account off in 2018 after a stellar payer history. I went to sell my ATV only to find out they they never released the lien on the title. It takes me 15 mins every time I call in to even get to someone that can speak about the account and they are completely useless from there. The only story I ever get is that it takes 15-30 days to resolve the issue. This last time they explained that everyone is working from home and can only mail and fax stuff on Fridays. Is this company for real!?! What year is it? I will never use their services again and will actively dissuade others from doing so as well.

April 9 got charged two cash advance fees, despite no cash being advanced 4.5 worth of calls to no avail. Just a big runaround. Bad enough you have watch out for scammers on the streets, now they're in your wallet. New slogan-Crooks. That's what in my wallet!

This bank is just bomb. I love them SOOOOOOOOOOOO much!!!!! They've been with me for years. This bank ALWAYS has my back. ALWAYS. It's a ride or die bank. The only complaint I have is that they outsource their customer service to countries with thick accents who are near impossible to understand. If 98% of your clients speak English and you must outsource, why not outsource to countries who have cultural and language competence in the country you primarily serve? Like Canada, Japan, Mexico City (not other areas though), and Jamaica. These are all really good countries to outsource to. NOT India, Pakistan, Columbia, Nigeria, or Central America.

On 3/29/21 my husband and I called to let the credit card company know that the credit card was not arrived as they stated in the email they send us the card on 3/18. The card was supposed to be coming on 3/24. We called and we had to be 1 + hour on the phone bc the rep didn't believe that it's actually the right people. She then put restricted on the account and we had to transfer to the fraud dept. We had to take a picture of the ID and uploaded to a special site and only after that the so called restricted has been lifted. All of this bc we were worried that the card was lost. Unfortunately we were treated so bad and we were humiliated just bc we didn't received the card. No one should get treated that way. Needless to say we are very disappointed from Capital One customer service. There are many banks that would love to get out business.

If I could give zero stars, I would! I sold a controlling interest of my company in 2018. The new owners stopped paying me less than 2 years later. I decided to sue them in an attempt to take back my company. They decided to hide behind the bankruptcy laws and to declare bankruptcy. Once bankruptcy was filed Capital One froze my account and stole $1835.00 cash rewards saying that my rewards were forfeited due to a bankruptcy I never filed. I had been a client in good standing for 19 YEARS!

I own a small business. We've had Capital One business credit card since 2003. Paid our bills online. All of a sudden Capital One doesn't recognize us online. Therefore, they locked the online account to have access to pay bill online. I called the phone number on the screen and the service rep was the rudest person I'd spoken to in a while. The account is still locked since September 2020. They send a bill with the due date that is the same date your bill arrives. They are charging interest and late fees to no end. I have filed a complaint with the FEDS and the BBB and Capital One has not responded to either complaint.

I have filed a dispute for $83.77 since day 1 (dec.08.2020), after three months of back & forth, today (mar. 09, 2021) they have permanently closed it to the merchant favor, stating that I did not file in a timely manner.

December 29th 2020. Reach out to CS. I got someone outside the country, I ask to be transferred to the USA. She said fine, I got Jason the supervisor (not looking for a super. but ok). I explain that I'm a longtime customer and looking for a better rate on my transaction fees, to which he reply "no what you have it's it" so I said, "That's it. You are not going to see if you have anything better?" "No." I reply, "Then I may be force to cancel your credit card." "You can cancel online." I said, "You can help me with closing my account." "No, you can do it online" and hang up... I was very upset, but decided to wait on the cancellation of the card.

I applied for a Capital One card when my credit was not good. I was approved but, at a high interest rate. As my credit improved and I was seeking a better interest rate or a waived fee, they would not help. Each time I have called customer service, they have never helped. One time I was making a payment on my computer and it shut off. I had to restart it and enter the payment again. Because of this, the payment was literally made 3 minutes past the time that they allow payments to be made & they would not waive the late fee. Even though, I called right away to tell them what had happened. The payment was submitted and they would not waive the late fee. When I wanted to pay the credit card off in full, they would not work with me to make it easier to do. They seem to want any fee or interest they can possibly get from you. They are not interested in working with their customers or keeping them.

I have a Quicksilver and Venture card with Capital One as well as a Walmart card. They have been absolutely amazing in terms of customer service. I actually received an Amazon gift card in the mail from them. Out of all the companies I have, Capital One is the first to ever send me such a gift. Amazing company and will continue to be a customer.

I have had the worst experience using this bank to try to get a credit card activated. Customer service was absolutely terrible and time consuming and got nothing done. They completely wasted my time by asking for multiple documentations then denying them for literally no good reason. Terrible terrible customer service. I will never be dealing with this bank again.

I never have written a review before but I'm just so angry.. I was fraudulently charged $400 for Google Play cards that were purchased online through Walmart. I have made numerous calls and written statements that I did not purchase these cards. They said "there is no proof I didnt." They said it's my fault and charges remain on my account. Very insulted and disappointed!!! I will be canceling my card. They will NOT be in my Wallet .

So I am widowed and disabled and I used to be able to pay my credit cards on time until Covid19 hit and my hearing was delayed twice but anyhow I got approved back in December 2020 and I just got my back pay and paid all my credit cards off in full And guess what Capital One did to me?! They lowered my credit limit and even shut off my checking account after I deposited 100.00 in it. I think I am being discriminated against for real. This was no fault of mine yet here they are punishing me after they ruined my FICO score. I put 3 of my 5 cards right in the freaking shredder because if I can't pay with my debit card or cash then I don't need their damn cards after what this place did to me! I am furious! Don't ever bank with this place especially now. Was this Covid19 my fault? Nope. Thank God for Biden because at least he gives us food stamps SMDH. Dems keep them poor and always at war..I'm so salty right now..

So booking housing for frontline healthcare and the housing was $388.90 over my card limit. The person on the phone would not work with me at all. It's very frustrating and felt racism was at work....

Worst customer service by Capital One during a pandemic!!!!! The worst! Not helpful & NOT ethical. Miscommunication, lazy! Do not assist a customer with an issue. Capital one Actually referred to a merchant as liars and then sided with them in a dispute after I obtained written resolution.

Nowhere in the terms and conditions does it say that you cant have a credit card w/ Capital One if you have had charges in the past. I was approved for a card and have used it. They decided to close it because I have had drug charges in my past. That has nothing to do with my card that I pay on time. This is discriminating and nowhere did they ask could they do a criminal background check on me or did I approve it. Wouldn't this be illegal? They said they have investigators investigating all applicants now. Has everyone signed a criminal background check with capital one? Very unprofessional service. I would not suggest using this company.

I have been a Capital One customer for over 18 years and up until about 3 years ago they were great, the best, I used no other card and I had plenty. Now the customer service is just awful, I'm disgusted every time I have to call them and since Covid and new technology I have more fraud on my credit card than ever before. Capital One says they're on your side and going to resolve issues but they don't. I now use any other card, Capital One rewards are not worth the hassle you will go thru when a problem hits you and your card.

On 1/28/21 I went to their website, like I have done for the last NINE prior payments without issue, to schedule a payment. After a few days of it not posting to the checking account I have on file with them I get an email asking me to contact them to address a "problem" with my checking account. I called the credit union that I have the checking account with on 2/3 and they never received the payment. I called Capital One and spoke to Elaine and explained what happened. Elaine wasn't much help and didn't seem to know what was going on. I then called back on 2/4, and spent more time on the phone; my lunch time. I spoke to Rowan, who told me that the account they attempted to debit ends in **. I was surprised, this checking account was never provided to them to debit that account, since it's been closed for at least 2 years.

I found a charge that I did not make. I made a fraud claim. The Fraud Dept denied my fraud case and when I called to ask why because no reason was given in the letter, they said because I continued to make payments on my card that I was at fault and the vendor that had charged my account did not have to prove I made the purchase. I have never had this issue with any other credit card company.

BEWARE!!!! PREDATORY COMPANY THAT WILL GO OUT OF ITS WAY TO DESTROY YOUR LIFE. It started at 600 dollars. I became disabled, I couldn't pay all at once, I defaulted. THEY WILL SELL YOUR ACCOUNT TO MIDLAND FUNDING, WHICH WILL THEN SUE AND DESTROY YOUR CREDIT. I am disabled, I am on disability. I WAS TRAPPED FOR 7 YEARS IN A HOLE because of this company, I finally got out from under them and now? THAT 600 IS 1500 AND GUESS WHAT? They hired a new law firm, so they could sue me again and reopen my account and DESTROY MY LIFE.

Capital One turned their back on me. I then turned mine on them: Within 15 minutes of placing an order online, I realized something was wrong and called Capital One. I said please stop my purchase I just made, I believe my purchase is a scam. They said they could not and that it would have to post first. I said that it was 15 minutes ago and now I'll lose my money. They said there was nothing they could do.

Two big words: STAY AWAY! Capital One is dishonest and lacks transparency. They also give their customers zero platform to voice their opinions or appeal a decision. Capital One has absolutely ZERO sense of loyalty. I was a customer for 20 years, never missed a payment, and one day I tried to set up a link to a new account to make my payments from, the payment got rejected twice and Capital One permanently closed my account. Worst customer experience by far. Use Charles Schwab or even Wells Fargo! They're much friendlier and loyal.

I merchant kept my credit card on file without me knowing. They charged my credit card over $500. My previous business with this merchant has always reflect minimal anything under $100. I called the merchant to find out why they charged my card. The merchant indicated I had placed another order with them that they shipped. I told the merchant I have not received an order from them and neither did a place an order with them since my last one in August 2020 which was under $100. The merchant said they would refund me if I returned the items -I explained to the merchant and Capital One on 2 occasions -how can return something I never received. After explaining this to Capital One and the merchant -my credit card company sided with the merchant and now I am out of $500.

I have credit cards with USbank, BARCLAYS, GE, Synchrony, Chase, CapitalOne,... The only reason for having credit cards to me is paying bills with different pace but I always pay in full and on time because the concept of interest and late fees never made sense to me. Important fact that I just recognized is that Capital One is the only creditor (Walmart credit card) which does not forgive you even once for paying after 8 pm Eastern time on the due date (Even for a 6-years customer who always pays the whole balance and on time). Let's say when you just changed your address and did not receive your bill in the mail and you forgot about or did not know about the 8 pm ET, no courtesy for you or even their long term clients.

I own a Savor one card. There is a annual fees and the customer service usually waives (they did for last year). I called the customer service multiple times before I was charged the annual fees this year and I was always told that they can only waive off once the charge is levied and not before. I explicitly asked what if they cannot waive and I got an option that the card can be downgraded and the fees will be automatically waived.

I want my $75 back. Capital One, you're aweful. How can you be allowed to treat innocent people this way. I am calling you out!! Consumer Affairs is just the start buddy boy. I hope you can live with yourselves. Canadian, I beg to differ. In Canada we are inclusive, you're locked up so tight that it's not even funny.

The statements for Deposits and CDs received from CapitalOne 360 are completely useless. Instead of reporting the interest Paid Year to Date they report the interest accrued to date which is completely useless for any accounting purposes. At year end I need to know the total interest received for the year so I can plan my taxes accordingly, the interest accrued does not mean anything. This is the worst accounting method that I have seen with any bank. What we need on the statement is the interest received YTD and also the interest received for the previous year. Where the hell did Capital One hire their accountants ? The monthly statements are completely useless and the account details showing online have also the same kind of problem, they need to report YTD interest received and previous year interest received, but instead they report interest accrued to date which is a stupid number that does not serve any practical purpose.

If ur an ** with an account with Capital One you will notice when you make payments there will be a really long hold before your available credit change. Also you will notice when speaking with representatives the options available to help you is different and the amount of decline transaction increase causing you to have to make a call more often. After investigation for 6 months it’s concluded that racism lives at Capital One and is a behavior that’s welcome. Shame on capital one.

They are THIEVES!! Back in October, I had a fraudulent charge on my account for $40. At that time, I only had $2 left in my account. They allowed the fraudulent transaction to go through DESPITE having my account on Auto-Decline. I called and explained that wasn’t a charge I had made, and the CSR gave me a hard time about “verifying my identity.” I told her I no longer had my phone number on file, so she said she’d literally have to send me a code in the mail and for me to call back. Never received this code, the charge was never disputed, and they “permanently restricted” my account. I’ve been trying to get this resolved for MONTHS, including the other day when I had the same issues with “verifying” me.

It's no wonder this company has to give you $400 to sign up for a new checking account after all the irritating hoops they put you through to purportedly verify your account online. I spent hours trying to upload photo IDs and talking to customer service agents, all to no avail. No bonus is worth this much hassle. I gave up after a couple of hours, figuring this is NOT a way to start a relationship with any business.

I hate the fact that they decide when to put random holds on your accounts. With covid and lockdowns I have had to resort to online Christmas shopping for 10 year old. Any other time payments clear before midnight same day, but when you're on a time crunch that is when they decide to do holds, really. The money has already clear the account.

Applied for a Capital One credit card and was turned down. Reasons given were my credit score was 798 - it has never been under 800, no history of revolving balances - had my Jpmcb card over 10 year, and length of time accounts have been establish - over 10 years. Capital one did a hard credit check which cost me several credit score points and had the nerve to tell me they were refusing me a card. Just got done paying a house mortgage 15 year off in 5 1/2 years and have no debt. I don't know what kind of person made the call of not approving me for the Capital One card - must be an idiot. My personal opinion. Capital One will not issue you a card unless you have debt. I know one thing that will not be in my wallet is a Capital One card.

I made a purchase from a company that appeared to be from CA, it was from China. The warranty for the two pairs of shoes I purchased said 100% guarantee. When the shoes arrived, they fit poorly and looked cheap. Immediately I contacted the company for a return address. The company then began to negotiate the refund they would provide and informed me the picture I had provided, showed the shoes to be in great shape therefore they would not refund for the following reasons: it's too far, the cost to send them back is too expensive, there is a pandemic going on, they may never arrive to China etc. After ongoing correspondence an address was provided, the shoes were sent back (at my expense).

They owe me that one star, they have deceptive practices. They held my payment that I paid from the same account that I have been using since I opened this account and the same method always pay on their app. 6 days later the payment still hasn’t posted and I got charged interest on the balance they are “holding”, customer service is a joke and will give any excuse to get you off the phone. The app states payments would be posted the same day or the next day if the payment is made after 8pm. All lies just so they can charge late fees and interest on the balance that was paid in full.

During such an awful time in this world this bank holds your payments! Even though you have never had a issue. Same bank, same account, never late, never returned! They're liars! One person tells you one thing and then you get the run around!

I received an email from PIA reference renewing my account automatically, and charging me $39.95. I emailed PIA, and told them I didn't want to renew, and wanted a refund. I called Capital One, and advised them I didn't want this service and was disputing this charge that posted on October 28th,2020. They refunded my account $39.95 on October 31st 2020. On November 10th they re-charged $39.95 back to my account. I called them, and asked them why, and they said PIA said it was correctly charged, and that I had the services. I found the reference number for the PIA cancelation, and I tried to send the reference number by fax, because Capital One wanted proof of it, but of course it didn't go through. Capital One claims they sent me a letter in the mail that I never received. I also spoke to three different agents who said they would send a letter to my work and personal email accounts, that I never received. I even checked my spam folders.

I have had an account with Capital One for over 37 years. I have lived in areas of the US that do not have a local Capital One. However, I was still able to do my banking online. Likewise, I had a line of credit with Capital One for over 26 years. In May 2020, Capital One decides to discontinue their lines of credit. However, they failed to notify their paperless customers. In July, I noticed that my account was locked and the balances were zero. I called customer service and they advised that they have discontinued this service.

Charge interest on new purchases. Had a credit on my account and they charged interest on my new purchases. I will not bank with a company that is not ethical. They charge interest on new purchases, they prorate into the future on new purchases without giving you the opportunity to pay off.

Do not trust this bank. Pure trash customer service. I bought a cell phone from electronicsforce.com, also known as cell2get.com. The website sent me the wrong phone. Then they did not want to send me the correct phone. False advertising. So I call Capital One and get a temporary credit. 90 days pass without them asking me for more information. After 90 days they rule in favor of the merchant. So Capital One won't side with me because I did not reply within their request WHICH THEY NEVER SENT ME ANY REQUEST FOR MORE INFORMATION. Capital One supports false advertising. Plain and simple. I urge everyone TO AVOID THIS GARBAGE BANK AND ITS CREDIT CARDS PLEASE. Do not go through what I went through.

They target a specify demographic with their new floating billing cycle terms. I called the day they released the new terms and was given false information regarding my interpretation of the terms that were presented. You would think that they would educate their staff to effectively assist their customers in the event that there is a problem. BOY WAS I WRONG! Not only were they not able to articulate the correct way to calculate the correct statement date I was informed by a manager not to listen to anything that the first representative say to you....

Paid them off before the next billing cycle and Still was charged an interest fee. What a rip off place. Ask a supervisor there if they could waive that fee and they would not be willing to do so After I paid them quite a bit of money to pay It off. Would give 0 stars of I could.

I am not happy with Capital One. If I could leave 0 stars I would. I have been with capital one for about 2 years until they recently closed my account for "fraud". I went into my online account in hopes of paying one of my cards off when I finally received my unemployment. I decided to pay with my checking account because I had misplaced my debit card. Well big mistake because when I put my checking account number in I made a mistake of putting a 7 instead of a 6 for the very last number. I checked my account everyday wondering why my payments had not posted. I made a $32 payment on the 9th and then a $532 payment on the 11th when I received my money (from the same account). So after days passed by and my payment still had not posted I decided to give capital one a call.

This company will cancel your charges without being able to give any reason. This usually isn't a problem, aside from some random third party telling you what you can purchase, but sometimes you will miss out on an incredible buy. I, for instance, had to pay an extra $1000 when I missed out on a 30% off flash sale on an UST projector. After finally getting a hold of customer service and after they finally managed to get my account back up the items were no longer available. ** company through and through. Do yourself a favor and go with another creditor.

Capital One mishandled my dispute and due to their advice on how to proceed I lost $943.68 from a vendor for a service that was never provided. Capital One never returned calls or followed up and did not keep accurate notes. It is has now be 7 months since I first filed the dispute and I just had to file with the BBB in order to get help to move this along. I am a long time customer with a great history and they refused to own their mistake. Terrible experience and super frustrating. Agents are nice, leadership is thoughtless.

I have to say I was excited about opening this account because the reviews was great. But I have had nothing but issues. The debit card was messed up. Cannot be used. The security is so tight I cannot get otc code because I have a prepaid cellphone. Disappointed.

I have two Cap One cards that I've had for years. They are always paid on time and early in the cycle. I haven't had problems with them until recently. Earlier this year 3 fraudulent charges were made on one of the cards, 3 charges at fast food restaurants between Pensacola, Florida and Texas, all during the worst time of the pandemic this Spring. Called Cap One and these were remedied. They sent me a new card to replace the one with the fraudulent charges. I tried to activate it and the nightmare began. They were wanting me to prove who I am by scanning documents and sending them to them over my cell phone. I said "no" that I'm not putting myself at further risk.

I had agreement with WCJ, Inc. of Woodand Hills, California that for $75 fee they would give me address or email or phone number for Michelle Ann **, born 04/28/1951 in New Rochelle, New York. Dino only gave me address and phone for Ricard **, who was her ex-husband from Garden City, Michigan. They divorced in 1975 and Richard said he talked with her in 1985 when she told him she was moving to San Diego with her mom and sister Marlene. Dino failed to give me any direct info on Michelle so he violated the agreement for $75 fee. Capital One has denied my dispute twice with no reasons given.

I have dealt with Capital One a few times - twice before to pay for bid purchases and currently set up through Walmart. I have never had any issues with them and therefore content with this company.

Capital One was one of the first to provide me with a credit card with just so so credit so I could re-establish my financial future. Rates are reasonable. Customer Service excellent.

Do not get this card. After 3 years of every payment on time balances paid off would not give increase and did not specify to me that my credit would be run again after inquiring about them raising my limit. The inquiry I had no knowledge about. If I had known that when I asked for higher limit my credit report was going to pulled I would not have requested for higher limit. I got this card because it said it could help build my credit. So if you pay on time and pay off balances after 3 years no increase. All credit counselors suggest asking for increases of spending limit. This card will not help you. I wish I could go back in time and have applied for a different card that would have given me limit increases over time. My card was blocked at a very crucial time when I needed gas. I was cut off from using it.

I have had this card for more than 10 years. Their customer service has been wonderful. They always go to bat for any customer dispute. The rewards are very generous and I have gotten so many free things with the rewards.

Great card especially for traveling internationally as there are no foreign transaction fees. Plus being a Mastercard branded card, it gives loads of benefits such as auto insurance for rental cards.

I love my Capital One credit card. They are easy to work with and accepted everywhere it seems. Their customer service is also top notch!

It offers the convenience of quick check out without the hassle of counting out your money and checking your change after completing your transaction.

I have banked with Capital One for several years. Decided to add a business bank account earlier this year since there were one of only branches open during Covid-19. I am gravely disturbed with their policies for new business customers. I am an easily verifiable business for over seven years. Branches are now being completely run by their tellers - answering the phones, acting as personal bankers, a different story every time you call customer service regarding an issue that needed to be resolved with my account. It has been 90 DAYS and the issue with my account has still not been corrected after dozens of calls WITH NO RETURN PHONE CALLS and even overnighting two letters to the CEO Rich Fairbank in an attempt to personal attention. Branches are dropping out of site now. GET YOUR MONEY OUT OF THIS BANK BEFORE THIS DISAPPEAR WITH IT!

I don't use the GM Card very much so forgot I had a transaction on it. I never got a bill in my email or a paper bill sent to me. I also did not get anything that said I had a past due statement. I look up my accounts and my credit report on occasion just to check on them as a fraud prevention thing. Lo & behold, there was a billing late statement over 30 days late. Capital One reported this late statement To the credit bureau without even notifying me I had a late statement. So, I immediately paid for the bill and late charges. I then called Capital One. They did not care that I didn't get a bill.

I have had no problems when it comes to using this card. I can pay easily on line, their app, or my bank's app. I get free credit report and score with notifications of anything has changed.

I have an 827 FICO score and bunches of credit cards I've amassed over the years. Since cancelling a card can have a negative affect on my credit rating, I don't cancel the ones I don't use but I only use the Capital One. Never an error, online billing is timely and accurate.

Am very pleased with the quick access I had to this card after filing bankruptcy. Also they raised my limit after only 3 payments. And gave me an offer to refinance my Jeep.

Capital One is like most cards, however, the reason I signed up for this card is that it does not charge for foreign transactions. Fortunately, a number of other cards are now not charging for foreign transactions.

They practice unfair and deceptive business tactics - are racist - and will discriminate in their card fees, limits and culture - they are borderline criminal in their tactics - stay away - you don't need a card that badly.

The agents can't explain their own policies. Slow, inefficient and unable to answer my questions about my account. I certainly don't feel safe with this level of incompetence. Closed the account within a week.

Capital One is by far the best card out there! The rates are great and their customer service is above par. They also have never left me on hold long or transferred me to several people to get a resolution. I love Capital One!

Consumer credit card company has helped me to increase my credit rating. They have raised my credit limit at least three times. They often offer me opportunities to purchase merchandise at a lower cost. They will help me to purchase another car by giving me a pre-approved account.

Having a credit card and keeping payments current has definitely helped my credit rating. My problem is that there is an annual fee and there are no rewards. I realize my credit was poor and was lucky to get a credit card so really can't complain. I do like having the card for gas purchases due to the high occurrence of theft through using debit cards at gas pumps. I pay my card off every month for most part to avoid high interest rate.

I used for Costco and all it gives you is what you owe at end of month. It would be great if more closely linked and give details of ALL purchases.

I wasn't very happy with their miles program. When converting miles to cash it was a poor cash reward, so I stopped using it. After a few months they offered to switch to a better cash reward card which I appreciated. I really appreciate the alerts every time my card is used; some other cards only alert when you're over a certain amount.

Capital One has a decent credit line and is accepted worldwide. They have good customer service. But their interest rates are sky high and will never go down, over the entire life of your account, no matter how wonderful your payment record and credit score may be.

Easy to obtain with average credit. Since I have had the card with tips listed thru the app I have been able to boost my credit score 54 points paying off 2 delinquent accounts. Helpful tips for a person looking to build credit.

Capital One decided they didn't like Plaid, now owned by Visa, so they restricted all third party financial tools from accessing customer accounts. Now we can't use some of the most common personal financial management tools available. What a stupid hill for Capital One to die on. No Venmo, no Truebill. I have two cards and two bank accounts with Capital One and they will all be closed because of this company's arrogant self-service and lack of consideration for tools their customers want to use. Some executive at Capital One thinks they've made a smart call and they're sticking to their guns. They're just losing customers.

CapitalOne offers unique card numbers for online purchases, which means if your card number is compromised you don't have to get a new card. Big time saver & less fear/ hassle when it does happen. (Cause we all know it is going to.) It is great that they offer good tech solutions & still maintain a great 24/7 customer service team customer service for calls too.

It is similar to any other credit card. I have received this one being a member of Costco, however there are other cards can exceed the perks offered by Capital One. The credit rating is limited to the Primary Card holder irrespective who is settling the bill at the end of the month. They do not offer any other perks outside the typical low percentage on each purchase.

I’ve been very satisfied with Capital One credit card. They notify me if an unusual charge has Appeared. If there’s a questionable charge they immediately look into it and notify me as to where we stand.

Capital One Credit helped me with my auto loan, and has been fair with me. I also have to other credit cards from Capital One and haven’t had a problem with any of them. Very professional people to work with.

Tried to protest a charge a couple of months ago. Had to send inquiry to Capital via snail mail. Never a word from Capital. My wife was on the phone 1 hr. and 31 minutes last night. Call back in 24 hours (Capital Personal Card). I talked to same operator to cancel my Spark card I have had for the past seven years. This company has gone straight to hell.

Have been with Capital One for many years and they are awesome to work with. Payments are easily made online and cash back is quick.

I have a Capital One Quicksilver card, and I love the cash back rewards. The mobile app is very convenient for account updates, I just wish payments would post faster through the mobile app.

They make changes arbitrarily. They "improve" the card without finding out if the customer wants the change. They don't care if the customer is inconvenienced.

This credit card is one point shy of being a fraudulent company that takes advantage of consumers who are in desperate situations. The interest rate and fees should be illegal.

Capital One sucks. I applied for a credit card. I get approved then they send me the card. I call and activate the card. They turn around and said I am not the person. I sent every ID I owe plus SS and no.

My Capital One credit card can be used just about anywhere. Never had it turned down anywhere. I have found that Capital One is very careful about security. If I lose or misplace a card, it’s easy to correct the situation. Plus, I like the points system, it's easy to use and understand.

I love Capital One. I use it exclusively for everything our family does. I earn points on my purchases which allows for many things but I mostly use for "travel erasers". It's wonderful. Also, Capital One is up on everything about your account. I get emails or texts inquiring if I purchased something that doesn't seem right to them. Believe me, it's helped in the past when my card had been fraudulently used with never a penny charged to me. Like I said, love my Capital One!

It is convenient because it's a tap card, which has become essential in this time of pandemic. It is widely accepted which gives me peace of mind when I shop. And, very important to me, the bills are accurate and making a payment is easy.

Their interest rates are way too high. They're not community-minded. They don't give their longtime customers or clients any breaks. They're a nightmare when you miss 1 payment!

I unfortunately was the victim of scammers: I ordered online 2 pairs of shoes I never received. Instead I got a fake pair of RayBan not even worth $5... of course from China!! I provided all the documentation to Capital One but even though they recognize it was a scam, they refuse to refund me unless I provide them with the proof that I shipped back the item I received... to China!! Of course, they do not cover the cost of that shipping back which will have to be from my own pocket!! I am closing all my accounts!! Bye, bye Capital One!!

Due to Covid-19 situation, the merchant I transacted with in India in March 2020 was unable to complete a fully-paid-for tour itinerary. I filled out and sent a Dispute form with Capital One. I did receive a Purchase Adjustment, but was reversed with interest two months later (May 2020). Capital One asked me for more documents, including flight records indicating that I left India in the middle of the contracted duration and shared me invoices that the merchant provided to Capital One. It should have been evident from the documents gathered that the merchant was unable to fully fulfill their obligations yet Capital One sided with the merchant citing “Visa technical requirements”. Really?

Actually, I LOVE my Capital One card. My limit is manageable and it is welcome everywhere. However, I do believe the interest rates are too high. I have written to them, to no avail. And the fees are costly.

Capital One first card to approve me and gave me a chance. They exceeded my expectations with credit limits and communication. Capitol One have bank accounts, apps, car financing and more. I'm happy with their customer support quick answers. I'm overall happy with them.

This company makes it easy to do business, they are responsive, customer service is superior, and the website is easy to navigate. Rewards are above average.

Love the card. Always there when I need it. Never have any problem and very good customer service and would recommend to everyone.

I had a Costco vacation trip canceled and 10 days later no credit has been applied to my account. Costco verified that the funds were released but 10 days later no show on my account. Problem: Account only had one charge, which was the vacation. A payment was due, so I had to make a minimum payment and hope that the credit to the account would occur within a 15 day period. I will end up having overpaid account balance AND will incur a finance charge for the noncredit amount, which Cap One says the will refund to me. All of this mess due to a very slow account credit process. They do not seem to understand that they will ultimately lose $ on this scenario. Have been a Cap One customer for 15+ years... And generally pay full amount due every month... No consideration for that.

I had a misfortune and Capital One is the only card that gave me a chance. I now have 2 Capital One cards and an excellent credit rating. I continue to get increases without asking. Go Capital One!!!!

I paid my Capital One credit card. Please make sure that there is a 0 balance owes on my Capital One credit card account ending in **.

This is a good company. I've been with them for a year and a 1/2 as never missed a late payment. I was a few days late when I 1st got the card and that late payment is on my credit report and the only thing that's really hurting me. I ask them if they could change it because it's the only one late payment in a year and a 1/2 And they said no but they did give me a credit card when no one else would so I do thank them for that.

Great customer service: representatives are always friendly. The perks are always among the best. I also appreciate the user-friendly website.

We have been using the Capital One card for a few years now. WE ABSOLUTELY love it! We use our rewards money to pay for vacations! And we recommend it to anyone!

Excellent customer service. The automated system works well if you general questions answered. Getting in touch with a human is a lot less difficult than other cards. Very knowledgeable and accommodating.

I was very pleased with the availability of this card and how quickly it was approved. I found the process of getting it to be a little tedious. It was approved online, then I had to wait to get a letter through registered mail where I had to go to the post office and provide identification. After that I received the card and again had to wait for the pin to come in the mail. Finally I was able to activate it. Then I had to pay $59/annual fee! I understand the importance of keeping a step ahead of the thieves, but it took a really long time between the approval and the ability to use it! I think the fee is pretty high considering the lack of benefits, but it is a reestablishing credit type card, so I’m grateful for the opportunity.

Capital One seemed to be a good option to rebuild credit. However they always start you with a very low credit limit and the fees lower that even more. When it’s time to increase credit limits other companies are more generous with that increase and provide options many times over the year to increase. I don’t mind capital one as a company and their app is good quality but I feel they are very stingy with credit increases. Even when pre approval of other loans in their company. Been with them over a year and have a measly 500 limit while my other cards are well over 1k each.