Capital One Reviews

Yesterday I paid my credit card bill so I can have funds available today. It was just four hundred so when I learned they put a hold on my funds. They was never able to explain why they was doing that.

I had a dispute with a merchant, where an unauthorized family member used my credit card. Capital One admitted to giving me incorrect information and did NOTHING to assist in my dispute for $3000. THey gave me the run-around, delayed, and then said I should have filed a different type of dispute, but because I filed one kind, I could not file another. Legitimately awful.

We have been with Capital One for 15+ years using checking, savings and 2 credit cards. Recently we wanted to purchase hearing aids for my wife's father at Sam's. The cost was nearly 5k. The charge was flagged for fraud! While in line after the first attempt, we called Capital One and the representative had us try 3 more times with the same card while they were on the phone with us. It failed each time. Capital One then informed us that because we tried 3 or more times that the flag could take 1-2 weeks to get removed. So I tried my other card and it was flagged. I had to call Capital One again and while on the phone, I had them fix the issue.

The executive offices have to be the worst hands down with customer service. They will respond to a complaint but not give their information so you can’t reply. They refused to admit when they mess up!

Anyone considering getting a card from Capital One, consider other alternatives. The CEO doesn't respond to emails, and they put 9 day holds on your available credit after a payment is made. Go with Discover or Chase. Those creditors make business decisions that make business sense. Capital One...DOES NOT. Richard Fairbank is the current CEO and he clearly has zero initiative focusing on Consumer Experience. Their board of directors should really just vote to force him out because he doesn't care about Consumers.

My credit score on all 3 credit bureaus are above 750+ with years of on time payments (Mortgage, credit cards, Food Truck Finance, Wyndham Time Share), making plenty $ a year and was not approved cause what, The COMPUTER system said so. Then I call to ask why I was not approved and nobody knows why???? It a joke. That credit card should be the easiest to get knowing everyone in the world shops at Wal-Mart. It's was a waste of time and a inquiry on my credit???? I will never in my life time apply or deal with Capital One again.

I had been with Capital One for years before the 360 checking... I requested a new debit card be sent to me because my son was taking advantage and being careless with his Playstation account so I called and they wanted me to dispute it. I didn't want to do that. Just give me a new card. Well I requested a new card a few times then finally went to visit my local bank to see if there was a mistake. They said since I opened an account before they started making changes and did not have a 360 checking account that they could not issue me a new card and that I had to call again the same number and speak to someone there.

During the pandemic we haven't done much at all. 2 vacations canceled. Meanwhile Capital One cuts my credit line 33%. Are they serious. Doesn't this show they don't give a damn about people. Serious advice: STAY AWAY FROM Capital One!

There was an article in Forbes that Capital One understands that there are complications with the pandemic and sabotaged postal service so they're giving customers some leeway, but that's not true. After paying my bills on time for 20 yrs, I've been penalized for not paying a bill I never received. The postal service claims they delivered it, but it wasn't delivered to me. I've paid on time for 20 yrs and I'm penalized for something I can't control. Capital One lied. They're not helping anyone. They're using a national disaster and failing postal service to get more money from their customers, even ones like me who have paid bills on time for 20 yrs. Aren't they rich enough already without screwing their customers in a time of crises.

My available credit was cut from $9000 to $2000 overnight with NO WARNING! The reason? I wasn't using enough of my credit (My card offers no incentives at all and has a high APR so it is not my go to). So good financial behavior is only punished with this company. I have a $400 balance on this card which means that my credit usage went from .04% to 20%! This will impact my credit score significantly...because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit. And they do this to people, with absolutely no warning, in times of a PANDEMIC when many people are living paycheck to paycheck if they have an income at all. Capital One, you are a terrible company that has no regard or compassion for your customers. Shame on you! You will never make another penny off of me. You lost a long standing customer today and with this type of behavior, you're only bound to lose many many more.

We have 2 company credit cards with Capital One and pay in full every month. I scheduled my payment a week in advance and clicked on the calendar provided by Capital One for the due date. Apparently the due date was 2 days off and now we are being charged a big interest amount. I asked for the interest to be waived as this is a system error with Capital One and they will not waive interest. They can clearly see I pay the balance in full every month. I will be taking our credit card business to Citi bank who also has cash back rewards.

Capital One is a horrible company. We have perfect credit and a perfect payment history with Capital One (and well, everyone else as well). They will lower your credit limit for low usage and then when you call to see what can be done to raise it again, they will tell you absolutely nothing. That is, there is no path of usage that will get the limit reinstated as far as the supervisors can tell. There is nothing they will tell you that you can actually do to get your card limit raised because it is a secret. Furthermore, the customer service supervisors are rude, unhelpful, and clearly do not care whether you are retained as a customer or not. You should use absolutely ANY other credit card company on the planet besides Capital One. They are about as bad as a company possibly can be.

I have had an account with Capitol One for 13 years. Today, I received an email stating they were lowering my available credit limit by almost half. I telephoned customer service and was told it was lowered due to recent lack of activity. I informed her that because of the pandemic literally no one was traveling or making large purchases right now. I informed her that I had a vacation planned next month and I needed the previous limit restored. I was told that nothing could be done. That I would have to apply for an increase in 6 months. Which would certainly cause my credit score to be lowered. Typical corporation/big bank. You spend loads of money with them and never late on a payment and you're treated like this. I'll be switching credit card companies and closing both accounts with capitol one. I would not recommend this company to anyone.

I applied for and received a Cap One Quick Silver card for foreign travel for years ago, since it doesn’t charge foreign transaction fees. I have used it only occasionally in the last couple years, but had planned to keep it for upcoming foreign travel or as needed. I’ve never had a late or missed payment, and my credit score varies between excellent and very good. Whereas other banks have increased my limit over time and offered incentives for me to keep using their card, Cap One has decided to reduce my limit out of the blue for no reason besides my reduced use the past year or two. The The decrease in limit will affect my credit score, and with a new 5k limit total, it’s a waste to even hold on to this card at all. If any of my other cards waive foreign transaction fees, I plan to close this account out.

Can you imagine that I've been with Capital One for 14 years. Not once missed a payment and ALWAYS paid my bills on time. My credit score is 800+. Yesterday I received an email from Capital One stating since I haven't used my card at a high balance, they have made an irreversible decision to lower my limit from 30,000$ to 5,000$. I promptly called customer service to say why would they make such a decision without notifying me that they needed me to spend more money for a higher balance or my credit would be reduced. ZERO professionalism nor loyalty since this 25,000$ credit reduction directly impacts my perfect credit score. I am livid! I canceled my 14 year relationship with Capital One and will NEVER use them again!

I had two credit cards and every time I called regarding a problem they would either hang up on me or just put me on hold for at least 20-30 min then hang up. I have been treated like this by any bank before. I closed one of my account and keeping the other and the only reason for it is because it's the oldest credit line I have. I would not recommend this company to anybody. You are better off with Amex, Chase and others. Stay away from Capital One.

Hi. Capital One is a scam company. They are rude, unprofessional and fraud. The only reason I am with this company is because they are affiliated with Costco. They disconnect the calls, rude to clients, put your clients in restriction without your information. They are fraud. Please do not open an account with them. Stay Away.

Their customer service is basically non existent. There is nobody to talk to that is interested in solving your problem. Everything is automated. If you're not happy with something, tough luck. I had three cards with them before I got fed up with their lack of interest and respect on treating a customer.

Capital One cashed a check that was not paid to them! I wrote a check to myself using online banking; for some reason, the check went to a PO that belongs to Capital one. The check was under my name, not Capital One's name. After investigating the address, and see the endorsement on the check, called Capital One, after being 3 hours on the phone, they found the check floating on their system. So far, they have not returned the money. Big burglars! I bet you, if any of us do that, we will be charged in the court of law.

I have been with Capital One for decades. My local bank has always provided me with good service. The tellers and the bankers at the desks have almost always been very helpful. I have never had any problems with unfair fees, and on the very rare occasions that there have been mistakes by the bank, they have always been corrected, and usually immediately.

I had applied for a Capital One secured credit card on or about 7/1/2020 that in which required a opening security deposit of a minimum of $99 in which I paid $100. So Capital One gave me a $200 credit limit for my $100 opening deposit. I had made two separate purchases for fuel totaling approximately $50 that I had paid the following week to bring my owed balance to $0.

My boyfriend got me a new phone for my birthday and long story short I can't use my account for 4 to 6 weeks to verify my number even though it's already associated with the account since my name isn't on the plan which has never been a problem before or I can just shut down the account. Don't bother with the institution. They don't care about customer service.

I will start by saying I do have a Capital One card currently. The issue I just experienced was a bit annoying. I was sent a prequalified offer for a second card. I’m new to credit cards and didn’t understand why they sent me another offer because I already have a credit card through them. I did some reading and apparently you can have two cards through Capital One. I thought it would be good to accept it because I’ve been carefully working on building up my credit score and a second card would lower my credit utilization. Anyway, I decided to go to the site to accept the offer and was declined. My credit health is a lot higher than it was when I got my first card from them. I don’t see how it was denied, but it was and now I have a hard inquiry on my credit report for nothing, which is upsetting to me. Be wary of accepting a second card offer from them.

Capital One has the best interest rates on savings accounts. Their website & app are very easy to use. All of my banking can be done from home, including opening new accounts & making new investments.

After 21 tears as a flawless customer, today arrives an e-mail telling me they have arbitrarily cut my credit line by 75%. When I called to complain and seek a restoration, they said they could do nothing, refused to connect me to a manager and could not even process a final payment to bring the account to a zero balance. Don't even try to connect with their corporate office because they don't want to deal with customers at a non-existent executive complaint function. Fortunately I have other credit cards that don't treat customers as though they are an inconvenience rather than a necessity to staying in business. I have closed the account altogether and will certainly discourage colleagues and friends from ever doing business with Capital One.

In these times, a bank that is specialized with communicating a lot with their customers online is a bonus. Their credit cards have a nice bonus percentages. In some big cities they have an office combined with a coffee shop...lovely.

Always resolved false charges to my accounts rapidly and temporarily put the funds in account within 2 days while in resolution. Always permanently resolved in 1-3 months. Replaced my cards in days after suspicious activity. Increased my daily funds if I needed extra cash from an ATM to an amount that I needed.

Capital One bank offers several offline and strictly-online accounts, some with zero fees. Online transfers between accounts and banks are easy. Customer service is good, but on their site they offer no way to contact them by email! One has to call them. In this day and age of coronavirus, that is absurd. Also their site can be slow as molasses sometimes, which usually translates into "We haven't paid any attention to our servers in a few years".

Today was the second time in the last few months my credit card was turned off by Capital One for no good reason. I found out that this time it was turned off was because whenever you update your personal info, the card is flagged and it is shut off until you take a photo of your ID and email it to them for a 7 to 10 day review. This makes the card useless to me since I can't rely on the card to be active when I need it the most. As much as I explained this to the Customer Service Department, they could care less, defaulting to reading company regulations. I now use my Navy Federal Visa exclusively and didn't bother reactivating my Capital One Master Card.

I appreciate Capital One for acknowledging me as a person and not just one of million of card holders. You know how it is when family can base your character on your past. I had a horrible year 2019, car accident, therapy, etc. so I had a difficult time keeping up with my payments, two out of 3 cards were restricted, including my precious biz card that I worked so hard for. I've had these accounts for approx 5 years or more in good standing prior to 2019. Different than a couple of my other card companies with the same history, same faithfulness, they didn't care, immediately sent my accounts to collections. My good score plummeted over 140 points to 540. Capital One did not leave me high and dry. I called in and the CSR told me my accounts were restricted. I had no idea what that meant, but after talking more with her, it was over, a done deal with the credit.

I have had a Capital One card for several years. There are no annual fees, it earns at least 1-3 percent cash back on most purchases, doubles the warranty on several items for up to another year, and includes travel insurance when purchasing airfare.

HIGH INTEREST RATE 19.5% with 710 c r. CUSTOMER SERVICE Can’t understand!!! No benefit to this credit card or ANY!! OK. CONSTANTLY PLAYING GAMES with weekly c r!! Very skeptical about method of applying finance charge.

Most recently used my card for vacation a few years ago. Booked my hotel, airlines, auto, and meals and entertainment on this card. NEVER had a problem! Would highly recommend Capital One. Increased my limit in less than two years!

I have been a consumer of Capital One for years now. The thing I don’t like about them is their security is too good - I can’t even access my own account at times. I have been denied for purchases on many occasions.

Well, I'm a Capital One credit card holder since 2007 'til present. Love the unlimited rewards I have, I will also like more option for stores to redeem the point. Is not much to choose from, add more stores to have more options to redeem the points. Thank you.

In order to avoid a late fee on my card, I called Capital One customer support line to make a payment using their "check by phone" option with a CSS. The young man took my information including my bank account number and a check number. I authorized the minimum payment due and hung up. The next day I started to get pings on my phone about checks that were bouncing out of that same account. Puzzled, I checked my balance - it was ZERO! The CSS took it upon himself to make another payment using their "check by phone" option and drained my checking account that should have had over $500 in it! I immediately went to my bank and they froze my account to investigate the check fraud this person committed.

I like the company always take care of my problem. Gave me a credit increase from paying my bill on time. Also very nice customer service and professional. I would recommend to all my family and friends and anyone else who would hear me.

I had applied for a 0% Transfer Fee from another Credit-Card debt elsewhere, while immediately accepting that while including a 1yr 0% interest including 12 following months. But their advertisement was clearly FALSE, while including that Transfer Fee and only including 0% entirely for only 6 months while still never caring about their False advertisement!

Capital One is very good at notifying me of charges above the amount I designated and they've also been helpful when a charge appears that I don't recognize. Staff is friendly and every issue I've had has been resolved to my satisfaction. As far as fees, I pay off whatever I've charged every billing cycle, so I don't have fees. I use my rewards miles to credit my account and that's always a nice bonus. Overall, a good credit card.

I have been with Capital One for 19 Years. I have been very satisfied with their service and rewards program. I would recommend them to anyone looking for a great card company and flexible reward program.

I have had my Capital One card for a few years now and they have responded whenever I have an issue in very positive ways. I appreciate their service and getting on the phone with them is very easy.

I have been using this card for quite a while and have had no problems. I like that they give dollar value for points when using any airline. I do not have any charge for this card. I would recommend it.

Always helpful when I have a question. Fairly easy to get through. Not sent to an overseas operator. I got my card through my union and it has good perks. Willing to work with me on several situations.

With this Covid-19 pandemic many of us have found our economic circumstances to become at least problematic. I have had to communicate with Capital One about it. They have been gracious, supportive while remaining professional. I appreciate that.

I had an experience where my card was stolen and a representative reached out to verify my purchases and it was at that point I realize I didn’t had my card. She was very helpful in assisting me with addressing the issue.

After I stopped adding or withdrawing funds in my savings account they took my money without warning. They sent me 22 documents (18 statements, 3 letters saying it was closed and a closure statement) but didn't warn me of closure "because it's not legally required".

I’ve been having Capital One since I started working and I’ve always wanted to build my credit and I did it with them and they are very understanding about everything and I would definitely recommend and if I had loan I would love it also.

Capital one has ease of app to complete all transactions and includes credit score monitoring which is a big plus in the times we live in today! Also offers cashback on purchases and low-interest rates! I would highly recommend this card for anyone.

I interact with the online access, it is very easy to use and informative, everything that one could need from customer service is available a click away within the website. They have an excellent customer protection from fraudulent charges on the account, rapid and efficient response.

I have three Capital One credit cards -- a MasterCard, a Visa (used as a backup when I travel) and a second MasterCard. I got the second MC because it gives higher rewards for grocery and restaurant purchases. Occasionally, I have had problems, such as fraudulent charges. Calls to Capital One have solved them immediately. Their customer service reps are knowledgeable and extremely courteous.

Used the card for many years, generally positive experience. Not really sure if I'll continue to use Capital, might be looking for a change. Like that I can use my rewards when shopping at Amazon. All in all, it has been a mostly positive experience.

Capital One is not a very good company for customers. They aren't willing to work with you if you have issues with your bill. The annual fee is much too high for the level of service provided. I wouldn't recommend it to anyone.

It has been in the news that credit cards are offering assistance when it comes to being impacted by corona virus problems. It would be nice if they would waive the fees during this period of crises, but they are not willing to do so. Some other cards are doing this. It makes me not want to deal with Capital One anymore.

I think a person who has a bad attitude is reviewing these auto loans. I have a Capital One Credit card in good standing. I have been a customer for two years and have never been late. My credit score is 620 and I wanted to apply to get a used car. Nothing expensive or anything. I have lived at the same address for 8 years. I have several credit cards that are in good standing and I was turned down. The reason they gave was too many inquiries and not enough credit history.?? Three years is not enough? And I have a vendor that is coming off due to I was a victim of fraud. I believe if you already have a credit card in good standing they should at least give their customers a call and go over why you're being turned down and let the customer give an explanation if possible. Just don't stamp in big letters DENIED.

I have been a client of Capital One for years. Their business model is impeccable. The card is recognized wherever I go be it local, national, or international. The fraud department is quick to resolve any issues I might encounter when using this card. Also I get text message alerts if something doesn't look right on a purchase I made. Use the rewards program every year for my trips which helps greatly as I am a Senior Citizen. Throw away your other cards and Get Capital One.

We are very happy with this card. We pay our balance before due, and never have interest charges. We don't use ATMs. We have no fees. We get cashback on every purchase. If problems arise, they are settled ASAP, even if we made the mistake.

I initially got this credit card because it offered an 18 month interest-free promotion. My grandson needed to get laser eye surgery for a job he applied for at that time last year, and the service provider required a cash payment of $4,000.00. The card was the perfect solution for him to have the surgery. My grandson got the job after he had the successful surgery! I also chose this card because I frequently travel abroad. The card does not charge international transaction fees for purchases made out of the United States. The card also offers 1.5% cashback on purchases. It's the perfect card for me.

Capital One has the best overall value for a credit card. In addition, their customer service is world class. I feel that I’m getting incredible value in comparison with my other credit cards. I’m a happy customer!

This card really helped me rebuild my credit. Getting a credit increase was also very easy. However the 23% APR is maddening forcing me to double up on my monthly payments just to stay current if I use the card too much. That could be a blessing in disguise though. Forcing me to be more responsible.

I have been with Capital One for 15 years, that has to say a lot for that company. They are always quick to solve any issues, always great customer service people, always very up to date with their information.

I reported a 400 dollar mistake to them..The teller put an extra 400 dollars in my checking account...They could not even compensate me for being honest with even a ten dollar gift card...Don't report mistakes to them...They could care less about you.. They have billions of dollars.

No fee card. Offered low rate transfer rate a long time ago. No other card offered this to me. I have had a couple of late payments and they did not raise my interest rate which any other bank would jump on it in a heartbeat.

They are always there when I need them. If it's a lost cards, Bill dispute or if there happens to be a interests fee overcharge, they are there for you. They let you know if a charge has been made. Ask you if you made that charge? If you didn't you can dispute right away?

They caught fraud within 24 hours, sent me a new credit card within another 24 hours (I was going on vacation and got the card in time!). I pay nothing for the card because no annual fee and I pay off the balance every month...and I have used the awards for free RT tickets to Bangkok, Istanbul, and Casablanca! I have never had a problem they couldn't resolve, quickly and politely, with a live human being who knew what to do. If only all of my providers were so competent.

Promotional balances only when opening an account, then you never have a balance transfer promotion, cash back but 39 dollar fee per year, it is not free, Capital One does not offer as discover promotions all year in the transfer of balances or low interest.

I have been with Capital One for over 25 years and have never had an issue with them. Rewards program is great. I get notifications of suspicious transactions. Customer service is excellent. Would highly recommend.

Though I like the Capital One Silver card and they have a pretty good balance transfer rate, their rate for the normal APR is absolutely ridiculous. Especially with someone that has almost a new perfect credit score. I will never use as a normal card but will keep for balance transfer and because it would lower my credit score to cancel it.

I don't understand lowering your balance without notification? But on the other hand it's not my money. It's borrowed money right! Also the interest rates could be lower. Not all customers who have financial problems deserve the higher interest rates. Are they more likely to pay or less?

Capital One provides good credit cards for beginners. Their online management tool is sleek and easy to use. However their rewards are not as great as, say CitiBank or Discover. For that reason, I tend to never use their cards.

In my personal opinion Capital One has been great. They have been very upfront about fees and APR. I have had to speak with customer service and the rep was very helpful. Love the app, it is so functional and very easy to use.

For me personally and for my boys!! The best cc to start credit, low APR, pay everywhere, I just simply recommended it.. Really nice and professional cs, They know what they are talking about when I gave a question or call them with an issue. Thx Cap One.

When my card was hacked, they took care of it very quickly, and helped again when a scammer tried to rip me off. The customer service people are really helpful, and personable. I would recommend them to anyone looking for a card that gives back.

The call to their customer service may start with automation but they’ve quickly answered the call every time I’ve called with an issue or just a question. I’m completely satisfied with Capital One and have recommended them to various friends and relatives.

Love Capital One. Twice somebody hacked and used my card twice online. They closed the account and sent me another card. Customer service is excellent. When I needed a credit card, they accepted me right away.

I have three Capital One cards, all with rewards, been using them for more than 10 years, and my APR has yet to change, it’s high and remains high, even though my credit score has increased. Otherwise, one of the best cards I’ve ever had.

I am not happy with Capital One because of all the strict requirements that I can’t remember sometimes and then I’m locked out of my own account. Like how am I suppose to remember what day I purchased something on? It’s ridiculous the level of screening. It should optional these questions not mandatory!

When I had an emergency situation a few years ago when my wife was dying, Capital One stepped up, when Chase and another card I eventually closed did not. It’s a great company and one with a heart. I have recommended Capital One to both my friends and family.

I booked an Italy in Nov 2019 from Tripmasters before COVID happened and then everything got cancelled b/c of explosive numbers in Italy and now, US's numbers are rising and we are unable to travel to Italy b/c of EU restrictions. Tripmasters refused to give us a refund even though everything was cancelled b/c of COVID and restrictions, something beyond our control. I contacted Capital One to obtain my refund and they gave me a temporary refund for a month and then REBILLED me the 6k without ever contacting me first. The Capital One CUSTOMER SERVICE is NON-EXISTENT. Should have used American Express instead of this cc company. AmEx has helped me in the past with refunds whereas Capital One could care less about its customers. Will likely opt to close the account as their customer service is horrible.

They are very good at notifying me with suspicious activity. Many companies just lock your card, or make you call. Capital One’s text and email notifications make it easy to approve the purchase on the spot.

I liked the company before covid19. I was due for an increase from $500 to at least $800 but they only increased it to $100 more. I never missed a payment, always paid more and always kept it down to a 30% usage. I called around and contacted customer service but they seemed to be more confused on why I only got an increase of $100 than I did. Never was resolved!

Simple, one and a half interest, can be redeemed in cash or applied to bill. Shows current credit rate. Any unusual transactions are questioned and verified either by telephone or text. Robot answering machine is clear and it is easy to talk to a real person.

The pandemic has taken a toll.. Why would these companies charge late fees during this time? It’s shameful that they see oppression as their opportunity to gain. Waive the penalties during this pandemic and have compassion.

I received a letter in the mail today from Capital One saying that they were closing my account and cancelling my credit card due to inactivity. I called them up and asked why they were doing it without warning, since I'd always paid on time. They said there's nothing they can do about it, which is ridiculous. I would have been happy to use the card if they had just given me some warning. Now my credit score is going to be lower because my available credit will drop and my percentage of credit used is going to rise at the same time. To be clear: I never did anything wrong (no late payments or anything like that), just hadn't used my card in a while.

This is a great credit card with no fee. More this credit card is known for many years. Plus when joining this credit card later you get many solid offers such as increase of credit limit or another card with more benefit such as cash back.

When calling Capital One, I'm always treated with a high level of customer service. Just had a experience where there were $700 dollars worth of charges. The rep cancel the card, clear the charges and my account was credited the funds. My new card arrived in 24 hrs!!

Great customer service, lower interest than most cards and the fraud protection is absolutely amazing. Cardholder is 100% protected from unauthorized charges and going through the process is handled with service that makes you feel protected without judgment.

Capital One looks out for me. Every time a charge comes to my account I will get notified. I am easily able to respond if the charge is in error. They were gracious to give me credit and providing me with the tools to take care of it. Which reflects positive on my credit report. Thank you Capital One.

I will be the first to admit that I made some financial mistakes in my 20s. Like sign up for a card with a 25% interest rate with Capital One. Almost a year ago, I signed up for a debt management plan which Capital One agreed to the terms of. My card was closed and I began to make payments through a Debt Management organization. Capital One was receiving payments but still marked my payment late twice. Now I have 2 marks on the credit I am carefully rebuilding.

I have had some medical issues and financial problems due to not working and through it all Capital One has never made me feel inferior. I hope to be back on my feet after foot surgery and make things better with this bank, Customer Service is superior.

Capital One has been my Business Visa for over 5 years and I feel their Customer service has my back, the rewards is a nice check every now and then and they do not have any hidden fees that ever surprise me. I pay my suppliers with this card to keep all my records in one place, I do recommend it.

I am a retired vet. 75 years old. My credit is not the greatest but Capital One gave me a chance with a $500 loan which came out of a fantastic time because of the corona virus. I was Need of some cash. I have been making my payments faithfully to them. I recommend anybody who needs a loan to try Capital One.

I am torn on getting a credit card from Capital One. I wanted a credit card for emergencies only. I did use it for that. However, they call you everyday. I found that very annoying. They should not hound people for money especially during this time. The coronavirus hurt me financially. I didn't owe them a lot of money. I did not understand why they had to call me everyday. They didn't hesitate to send me statements of what I owed through the mail. They could have sent me suggestions on how to help me. I paid the balance off in full. I am thinking about getting rid of the card altogether.

I filed a dispute on 4/21/2020 against a company called Your Mechanic with Capital One card dispute department for $158.77 for installing front brakes on a warped rotor. Capital One kept demanding me to go to another mechanic and my funds of $158.77 will be return back to me. I gave Capital One the inspection report from Pep Boys as requested; it disclosed that my car brakes was making noise and burning smell. Your Mechanic put new front brakes on a warped rotor.

My Capital One card is paid in full, is still active and open, but Capital One has locked me out of my card. I was told I can reapply for a new card, but I can't use my current, active card. That's ridiculous!

Excellent customer service -- in American English! I get emails when something suspicious occurs, like double charges on my account. Also, no foreign exchange fees when using the card while traveling. Good rewards program because I'm not tied to a particular travel provider.

They consistently meet my needs. Notifications appear within seconds of a transaction. They have quickly alerted me to the unauthorized use of my card. They have followed up on any dispute I have had.

Capital One -no fees, 1 1/2 rewards points which can be used for cash or travel. They are very quick to let us know if our card has questionable charges. No longer have to report if we are traveling out of our area.

I was trying to have access to my online banking because I was locked out my account so I contacted Capital One's customer service to regain access to my account; I was put on hold for more than an hour and then spoke to a representative who could not fix the issue so transfer me to her supervisor whose name was Joshwa. Mr. Joshwa provided me with the worst customer service I ever had in my life, he was rude and not helpful at all and told me I have to wait 10 business days to just have access to my online access even though I was willing to provide them with any form of verification they asked for and even offer to stop by one of their branches, but still the answer was NO.

I wish I could give this bank negative/ZERO stars!!!! I hate it so much!!! I do not know how they keep preaching the same BS of helping people during this pandemic when in reality they are NOT!!! They tell people "oh sure, not a problem we can deferred your credit card payment until next month." What they DO NOT tell the consumer is that your interests are still accruing during that "grace" period and guess what? When the time to pay your cc comes around they charge interest for the entire balance. What kind of ** help is that?

Updated on 07/29/2020: I/we have never been late 4 years, always paid above and beyond balance, several times. Capital One Refused to work With me. Capital One report to all my credit bureaus that I was delinquent April/May/June/July.

Had previously disputed late payments and the fact that one of my accounts has not been inserted or reporting to all 3 credit bureaus for MONTHS now I have called numerous times and made several complaints a representative from Capital One's executive office contacted me back in May and I have never heard from her again. I called customer service today and asked Justin ID: ** to transfer me over to a manager and was told it was impossible for me to speak to one. I also asked him to transfer me over to the executive office and was told that was impossible as well. How is it possible that in these tough economic and overall difficult situation we are all facing it is impossible to get any type of help from an institution I've had a relationship for over 10 years.

Our business shut down by state due to coronavirus mandate. Capital One continued to charge late fees and only took requests for payment deferrals if you called in during a specific timeframe. Nationally and statewide millions of people had lost their jobs, forced to close their businesses, and many people without paycheck or never receiving unemployment. Not to mention tens of thousands of people hospitalized, ill or dead. The behavior and policy of Capital One during this crisis is reprehensible and cruel. Loan sharking at this best.

I purchased products at a health fair from a company that ended up being a scam company that fails to warranty anything they sell and misrepresents the product manufacturer. Upon finding out the type of company I had purchased from, I returned the products I bought and disputed the charges with Capital One. At first they reversed the charges in my favor, but the company manufactured a phony receipt that stated "all sales final" on the bottom. Capital One then credited the $5,400 price back to the scammers, even though their representatives admitted that I had been scammed.

Do keep in mind to those using Capital One Credit Card under Bergdorf Goodman department store, these shady you know what will close your account. Got a letter from Capital One talking about the account closed due to not fraud but a security risk and I am not using my credit card enough! Mind you I am still required to pay off my balance! Real shady and they interest fees is through the roof! Even when I do pay much more than the minimum balance! So after telling off these reps they still talking about well you can reapply! Hoe please! I will pay off my card call them back get my letter and cut ties once and for all with Capital one.

Capital One has without notice changed their interest rules. They are now charging interest on brand new purchases, where in the past they charged Interest on past 30 days charges. So in order to avoid interest, you have to pay off the whole card by the due date. Better cards out there.

I Used Capital One credit cards for many years running fairly high balances and paying a lot in interest. 35,000 to 40,000 out at one time. Capital One began restricting my card accounts and locking them down for only one reason I can figure. I am a state licensed ** grower paying very high taxes to both state and federal governments. If you are a ** producer, retailer, consumer or medical ** user or just believe in fair business practices I encourage you to boycott Capital One and all of its affiliates. I paid my bills on time and they discriminated against me for no reason other than how I make a legal living. If that is not the reason then they should of gave me a reason. They are complete spineless pieces of garbage for treating a loyal paying customer like that. I run a business also and if I treated my customers like that I would be ashamed of myself and out of business.

I've had an okay experience with my card up until this point. My husband and I having been working hard to pay off our debt and of course like so many others it has been super hard during COVID-19. But yeah, we did it and paid over $4K in June to pay off our card. Well just like all cards, the interest accrued during the time from the previous bill until we paid the card off have to be paid which is totally valid and I'm not disputed those charges. I called to see if they could waive the interest charges of $67 which is a drop in the bucket compared to the $4K I just paid in June and since I've been such a great card holder.

I have had a Capital One credit card for over 10 years. My credit score is over 800 on all credit all three credit reporting agencies. I have almost zero debt. I requested Capital One increase my credit from $12,500 to $15,000. The following is Capital One reason for not increasing my credit. - Your financial obligations reported to us by the credit reporting agency are too high. - But all three credit reporting agency show me using less than $50 in credit. Blank Capital One! I will stop using my card.

Capital One just send a standard e-mail that they don't have enough information for a scamming provider. As per my conversation with the Capital One representative today, I’m providing a brief summary of the process I have experience as it relates to my request for a REFUND from Viagogo. I purchased tickets from Viagogo for the Penn Relays on January 24, 2020. Order Confirmation # Cost: ** $131.00, ** $108.00, ** $208.00

I was lucky enough to call in to Capital One for assistance with questions and concerns regarding my pre-approval and I had the pleasure of working with a rep named Hema **. This representative went above and beyond to make sure that all of my questions were answered and that I was well taken care of. What could have been an extremely stressful process was made so easy and seamless that it truly made myself and my husband feel like we were being specially cared for. Not only did she do her job beyond expectations but she actually took interest in me, as a person, and she paid attention to our conversation as if I was a part of her family.

I ordered clothing from an online retailer. I received just 5 of the 8 items I ordered & paid for. What I did receive, 30 days after ordering, was of poor quality. I reached out to the company three times to return the product. They never responded. I finally disputed the charge with Capital One. After 90 days of filing my dispute, fulfilling multiple requests for random support about the transaction and HOURS on the phone they closed my case because the "timeframe expired".

Since January I've had to pay and get reimbursed for fraudulent charges on my credit card. I was mailed new cards on two separate occasions to "end the problem." Aggravated, I never activated the second card. May 2020 I got a notice, I owed $14. I called the automated line to make a payment and to get reimbursed (again) but couldn't get through "due to Covid-19." I paid online. Last Saturday (June 2020) I get a notification that I'm nearing the payment danger zone.

I am an expat and as such use Capital One online banking. I wanted to start using their mobile app, but could not activate it because it does not accept a foreign phone number. I called them using their international, supposedly, call collect number and after being bounced around to 4 different representatives, it turned out that Capital One does not support foreign addresses or phones. To add insult to injury, I received a hefty phone bill from my phone company for the supposedly free call.

The first month of having a Capital One Walmart rewards card. After about 3 weeks I pd balance online. They said received payment then 4 days later said didnt receive payment then my credit score dropped 5 pts. Mailed in payment. Account showed received. Went to use card didnt work called them. They said since they didnt know my early payment didnt work they would put hold on my account for 8 days. Asked talk to supervisor they more or less said tough luck charley. I called customer care on another capital one card ive had for years told them trouble I had asked them how a company that had customer for years never late on a payment could be treated this way again told more less tough luck charley. Cancelled both cards. Stay away from capital one.

Capital One canceled my cc for no reason, I was never ever late and used the card but the last 12 months I was paying off other cards and didn’t use the card. I am not happy at all because it damaged my credit limits and score. They should notify consumers before they close an account.

I’ve had 2 credit cards paid off one $300. Dig this, they knew I was trying to pay it off and hurried up and charged me an early annual fee when it wasn’t even time. This other credit card I’ve got for $750. Boy oh boy the interest is so high that when I make the minimum payment it takes half right away. I’m in a merry-go-round. I feel like I’m a slave to them. I’ve even cut it and never use it. For several years the balance just stays the same. I can’t afford a higher payment to hurry up and pay it off. So I will pay it completely off next years income tax because this is a joke and it’s as if they're the crooks. It doesn’t make any sense. I don’t use it and haven’t but I’m constantly stuck paying this high interest and extra fees. So be very careful with these spying rip-off Capital One Credit card crooks!

I got a helpful review indeed. First in formost Walmart is stupid for combining with Capital One. Walmart was perfectly fine without it. It's dumb that I am forced to use this sorry excuse of a credit card system because I go to Walmart. Secondly, Capital One is trash. I have never seen any credit card system force you to pay before 8 pm. Aren't they supposed to make you feel comfortable paying them? Like CITI does? Last but not least, everyone who is looking to using Captial One, I suggest CITI. I've had better experience with them. TLDR: Capital One is trash, use CITI.

I have been a customer of Capital One for about 10 yrs and may I add to it I've never been late. I called capital one during this time of the Covid 19 and ask if I can have my interest charged waived because I lost my job. Their answer was "NO. There is nothing I can do." But I called Discover and ask the same question, Discover did accommodate my request and waived "ALL" interest charges since February. Capital One you're garbage and inconsiderate of your loyal customers that need help during these time. I highly recommend anyone looking for a credit card to APPLY FOR Discover. They rock.

As a person affected by the coronavirus, I was unemployed as of March 19th 2020. I maintained my account with Capital One and once I received unemployment in May I begin to pay off my cards, including this one. I paid my card in full on June 12th, but on June 17th I received an interest charge. As a customer of 6 or 7 years and now with a balance paid in full, I asked for a courtesy to waive or credit my account on June 18th to two representatives. I was told no by the first representative and then asked for a manager. I was given to a supervisor who was rude and told me I cannot speak with a manager and that they would not do anything for me even with me being a long time customer who is unemployed and had just paid the card off in full.

To whom it may concern,

Stay away from Capital One. They do have 0 professionalism, I got my credit card and have not received my pin. Called Capital One to generate pin and reset my pin. I was on the phone 2 hrs. I was throw out from one Department to another one like ball. At the end they said can't do this. Do not get any products from them. Never.

I have come to this site for a very good purpose. And that purpose is to warn other good responsible customers not to get involved with Capital One Credit Cards. I didn't apply for a Capital One card account, I inherited from another good company name Synchrony Bank. They managed my Walmart card very well. Now Capital One is the manager and it's just terrible. They are dishonest, unorganized and uncaring. I used my Walmart card to order kids furniture for Christmas. Once arrived the furniture was defective. I called Walmart and they stated they would send second furniture and credit my account. Once second furniture arrived the headboard was missing and was told that this piece of furniture wasn't for sale and shouldn't been shipped out to me. They stated they would have all the merchandise picked up and my account credited.

I went to Capital One auto finance site. I was pre-approved in minutes. The journey to my new car was unbelievably easy. When I finally pulled up to the dealership my car was parked by the front door ready for pickup!

I had been with Capital One 360 for years, ever since it was ING Banking, and I used it for so long because it was a convenient option for saving money. I always thought that the service was convenient, until last year when I had to jump through several hoops in order to open up a credit card with them. Capital One 360 made me verify my identity online because I couldn’t verify it via phone line on account of the fact that I live in China and have been living here for almost seven years. I told the employee this and there seemed to be no problem with where I lived, but the verification process took days to process and ended up being declined because I needed more documentation that I could’ve originally provided had they told me.

I highly doubt I'm the only one who's experiencing this as I am sure there are thousands of other U.S citizens who temporarily live outside of the U.S and do not have U.S phones. I haven't had trouble accessing my accounts online until fairly recently when they eliminated the option to be verified via registered email address. Instead it now keeps redirecting me to verify myself by receiving a code to a registered phone number. How am I supposed to review my credit card statements and my credit score when I'm being denied access simply for not having a registered U.S phone?

Good afternoon to all the people who use Capital One. Just to let you know they made the worst bank list in New York now. Let me explain. We are in the midst of a pandemic. People are not working. People are still staying home and some are disable like me. And because my account was overdrawn they have the audacity to charge you $35 with people still unemployed and people starving and as I explain to the representative my wife is a front line worker a nurse so I asked is there any remedies for Frontline workers or disabled people and they told me no so in my opinion this is a bank That doesn’t help the community. They suck the blood out of the community “” so you decide what bank you would like to use because capital one is not the one!!!

I paid off an auto loan and credit card in full that had previously had a past due balance due to a job loss. I sent a request a request to Richard ** to have the auto trade line removed from all credit reports, because the Capital One credit card trade line was removed. The deletion was needed due to secure a new home after being told by the owner of my home I had less than two weeks to move or he’d have as many people as he chose to enter the home during COVID19 without masks and expose my health to anyone carrying the virus.

I have had a Capital One credit card for 16 years. Have had 3 open accounts as of this year. I paid all of the balances in full. I have had two pay cycles of revolving interest due on my card based on payment date and due date. This last month I called to have the $3 of interest on interest due removed from the account and my request was denied by the agent and supervisor. I have cancelled all 3 accounts.

I was approved for a Capital One platinum card. Received the card and made 4 purchases on it paid all of the purchases off in the amount of 72.00. I was told the account was closed by Credit One because my bank disputed and denied a duplicate charge made on the account. This was in March. I then receive a statement saying I owe 96.53 for interest, past late fees but when I call the account is closed.

I have been a Capital One member for over 30 years. I had an emergency in my home and needed repairs, I decided to use my Capital One card for $3,000 it was declined! I didn't understand why because I had plenty of credit and I have never missed a payment however when I called the company to find out why the transaction was declined they told me I had not made the payment. After looking further at my records they realize the payment was made but I was short by $4 on the payment. Well that was a mistake on my part because I mixed up my money orders.

I contacted Capital One today after paying off a large credit card debt 2 weeks ago. I had gotten a bill for $67.00 in interest. I had lost a job in March due to the virus after 19 years of employment. I borrowed money from my family to pay off the card so I wouldn’t have more bills to worry about without my income. I got ahold of someone finally after about 30 minutes of holding.

I hope in the Capital One credit card two years ago. This is my second credit card that are open for capital one. I asked the representative if I could change transfer my current balance from the open capital one credit card to the new capital one credit card with a lower APR and a higher balance and I was told I could not so needless to say I have not use that credit card since I opened it and today I received the email that my account was just closed due to inactivity. I think this is a sorry excuse for a corporation To give no due process to the consumer that they are doing adverse action on an open account of theirs to me. This is irreconcilable. They also told me, "Well this account cannot be re-opened." I used to have very high regard for capital one but no longer. I’m in process of moving any balance to AE.

I opened a personal credit card with CapitalOne 15 years ago. I got notice that they elected to close my account without notice. When I called CapitalOne I was told there was nothing that they could do, they did not care that they were going to adversely affect my credit. When I asked to speak to a manager, I was told I was speaking to one and there was no one above the person I could talk to. I was then told, I could apply for a new credit card as a solution to my issue. I have been a loyal customer to them for 15 years, I have another credit card and several CD accounts with CapitalOne, I pay my bills on time. I am very disappointed in the practices of this company and lack of customer service. I will not be doing any further business with this business.

I had a credit card with Capital One for about 10 years. They became uncompetitive over the years by never modifying the rewards for my card so I stopped using about 2 years ago. I still kept it in my wallet for emergencies though. No biggie right? Nope, I received an email saying my account is formally closed. When I called and asked if they could reopen they said, No." I use Capital One for my businesses too and told them I will go out and find new credit for my business and close them down too and they said, "OK."

I have been trying to get my $302.74 back from a scam company since November 2019, this scam company sent me an email in December 2019 informing me that they had put the money back on my card but this was an absolute lie....I was May 19,2020 told by Capital One that they are not refunding my money to me because I had to copy and paste this email to send in to Capital One due to being confined to my home during Covid-19 and as soon as I was able to go to my office I faxed the document to them with an explanation and still they will not refund me this money. I contacted Capital One three times in March-May 2020 requesting a call back from a manager and did not get a call.

So I am a small business owner and was FORCED to close down my business. I had to use my money saved to pay rent and store rent, food, etc. Cap 1 was last in line. Well I was late April and May. I finally was able to get open and paid everything past due and became current again. Well I finally was able to have a rep call me back after 3 hours. They stated we can only remove one fee. Not both. What a scumbag company. Please if you read this, remember they DO NOT care. They 100% do not care about COVID-19 business close downs. THINK ABOUT THIS. If you are late and call in and have never been late, what do they do, they remove a late fee as a courtesy right! Well they had the opportunity to step up and help and waive both, but no. I will pay off this card and tell them to shove it up the **. POS company.

I pay my credit card every month. I have been paying higher amount the last two months. Typically my payment posts as available by the end of the day. Twice now this month, my payment take 14 days to post. I've never had this issue. I've never heard of "this is our policy on occasion". I'm not sure you can have an occasional policy. It seems more like you're holding my payment so you can collect interest because I've been paying my card off. I've tried calling, I'm told sometimes this happens. Well it's happened my last 3 consecutive payments so it's all the time and it just started when covid hit.

I had a rough year last year and had gotten behind on some payments. I was told make 3 consecutive payments at any time and my cards restriction would be removed. I not only made 3 consecutive payments, I managed to pay off the card during the pandemic, thinking in case I need to use it I’ll have it. After I make 3 consecutive payments and pay the card off they tell me that unfortunately they can not lift the restriction. So, I was lied to during this pandemic just to get my money. They kept saying they wished they could help but unfortunately they couldn’t. I hate that phrase. Don’t tell me you wish to help if you can’t help me. And don’t lie to me to tell me that if I do make 3 consecutive payments that you will turn off the restrictions and once I do say I’m sorry. Don’t trust them and what they say.

I have spent at least 14 hours over the last 3 days on-hold and being transferred from one inept call center employee to the next with no resolution as to my miles being reimbursed for a flight that was booked through Capital One on their app. The amount totaling almost $800 in value doesn't seem to be their concern. I've had an employee, (Cathy) hang up on me for asking her why she was lying and then requesting to speak with her supervisor. I've been put back on indefinite hold after having just gotten off of hold and being told I was sent to the wrong department (this has happened several times but most notably and blatantly by Nick). I've been told by Deanne that she not only did not have an employee ID number but also did not have a supervisor - so apparently she's the top of the food chain. I'm sure Warren Buffett would love to know that, since in a roundabout way he actually owns Capital One.

Overall my experience has been good with Capital One until today. I am on hold for two hours to report possible fraud on my credit card. They need to provide much more customer service and ensure that timely reporting is possible.

This company continues to amaze me. My card is relatively new and my account balance is $0 and it is showing no available credit. When I called to speak to an agent, the automated system said my wait time was 1 hour. I waited for over an hour and twenty minutes and finally gave up. This was the second time that I called in to reach an agent and wasted over two and a half hours total on hold. Still no resolution.

Don't get a Capital One credit card! During COVID-19 crisis they continued to charge interest and fees and state that zeroing out a payment is the best that they can do, this action helps them assess more interest on your balance, and makes your balance grow even though you are not making charges! Capital One takes advantage of the customer by taking advantage through the COVID-19 crisis! They use a natural disaster to make more money! Don't be a victim of greed. Honestly I do have one great thing to say about them, they are extremely excellent at apologies! Take that to the bank!

I was disputing a charge to my card and called the customer support number that was given. I had a very difficult time understanding the individual that I was speaking with and asked where she was located. She said she was in Costa Rica. I then asked to speak with her supervisor and was on hold for two or three minutes. The person that was connected to spoke very clearly, but without a helpful attitude. I explained to her that I was not able to understand the woman in Costa Rica and asked her about the call center.

I had been a Capital One cardholder for 19 years, with a perfect payment history and an excellent credit score. When I checked my account today, it had been unexpectedly closed. A representative told me it had been closed for inactivity, and he refused to reinstate the account. I was never notified in advance, and the bank clearly took this action due to the COVID-19 crisis. This is a horrible way for this bank to treat its longtime customers at this time of crisis when it should be going to huge lengths to be a good corporate citizen.

I did an online order for a credit card. They sent an email to sent a security deposit and in 5 day show get a verify package but never received it. So when I called them they say it is still in process and someone will call. It had been 10 days later and still no call.

On 4/28/2020 my wife answered an ad offering $500 bonus and a 1.5% interest for opening an account with new money. We went through the fairly easy process to set up the account, the suggested promo code was pre-populated, my wife's information was gleaned from an account she opened in 2016, set up a transfer of the funds from a different bank. When we got the 'success' screen it also said that the promo code was not accepted. We called the 800 number and got assurances that it is a computer glitch and we need to call in August to start a review to manually apply the promo (the $500 bonus). My wife then called a local branch and they informed us that she is not eligible because she already had a promotional account opened in 2016??? We wrote an email to: Shelley **, Director of Complaints, Richard D. Fairbank, Chief Executive. Of course no answer has been provided yet.

I entered into a settlement arrangement to pay Citi on my account ending in **. The LAW provides for 90 days once entering the agreement, regardless of proposed installment dates. 2/26 - I paid $250 3/26 - I paid $250 4/26 - Final Payment tentatively to be paid for $751. After being affected by Covid 19, I called to get this final payment date RESCHEDULED, and they flat out refused. I know for a 1000% FACT that they can do it, and that provisions of settlements allow in regulations for a 90-day payment period. I also know this to be true, because AmEx, Citi Financial, and Discover all allowed me to do it. I asked to pay it on May 15 (still less than 90 days from start of plan to finish) and they flat out refused. I requested time to pay due to Covid 19 income loss and they flat out refused. I requested another settlement for the remaining $751 and they flat out refused.

I had a Capital One Venture card and canceled in less than a year. NEVER would I recommend this card. Trying to get my refund on a flight canceled by the airline was absolute ++++. HOURS on the phone with Capital One, hours on the phone with Capital One Rewards, hours on the phone with Capital One Travel, hours on the phone with the travel booking company they use. My longest hours of waiting was about 7, there were the hangups after hours, there were the transfers and disconnect, there were the transfers then more hours of waiting. Then the BROKEN ASSURANCES. Add to the insults, they "lost" the airline refund only to find it after more calls and more transfers. The airline refund went to the booking company then to Capital One Travel then to Capital One Venture card.

Was told high call volume would mean a twenty minute wait and so far have been on hold for an hour and 20 minutes. Capital One has always been a great company to me but very annoyed today. The company needs to hire more staff obviously.

Awful customer service with this company. This is my everyday credit card but I see now why people review their service so horribly. I spoke to a supervisor after I was told I couldn’t take my interest charge off and he proceeded to belittle my situation. He told me I didn’t read the guidelines. He then said there’s no one else to speak to other than the administrator and that he was hired so that we could talk to him because the administrator has more important things to do. He then told me to stop cutting him off, kept talking over me, didn’t listen to how unfair my situation was. This is all during the crisis of COVID 19 as well. He then tells me he cannot take this “correctly charged” interest off.