Capital One Reviews

I've been with Capital One for years. I've always maintained a excellent payment record and have also kept a good credit rating. And I noticed my balance almost not even dropping month after month and I always paid more than the minimum due each month. So I called customer service only to speak with someone from another country named "Debbie" whatever! Whom I could not understand literally! After being told earlier that my apr rate was 22% I come to learn it was actually 28% and paying $100 a month only to have $30 going toward principle I asked about lowering my interest rate and was informed they don't do that! Horrible, Horrible company to do business with! GREED is what drives this company.

I finally paid the card in full and they sent another charge for me to pay interest because I didn't pay it off by a certain date. It was a huge amount of 2.37, I got denied a waiver of that amount and no reason why.

I have been banking with Capital One for over 10 years. Previously this bank was incredible, no over draft fees and pay two days early. However, now my direct deposit has apparently just up and gone missing. My company has been paying me to the same account for 3 years and no information has changed. Capital one states they never received it even after I've verified with my company that all account and routing numbers are correct. They are stating they also don't have to follow the federal laws regarding sending my money within two business days after 10 days of the investigation if the investigation is going to take longer than the 10 days. The lady I spoke to in claims was rude and horrible to work with. I will be leaving and changing all my direct deposits over to a new bank. This bank is an absolute joke now.

Capital One is a joke. They were good when I first started out but now they’re too serious about small mistakes. I wish I never had that credit card. All y’all did was mess my credit up. Scammers are everywhere. They hack my car more than once because I went online shopping and you hold me responsible for it. Wow all I’ve been hearing is good things about capital one. I haven’t seen it. Waste of my time even a plan for that car.

I activated a cash back Target deal online on Capital One Shopping, where I was supposed to receive $25 back for spending over $50. My receipt shows that I spent $51.66 but Target or Capital One reduced the amount to $49.05 in the portal to make me ineligible for the promotion. I'm surprised how corporations scam consumers in plain sight and get away with it.

They are thieves. I paid 849 deposited for a Capital One card. Now they are refusing to refund my money and refusing to give me the card I already paid for. Nothing else needs to be done but refund my money or allow me the card I paid for and they are simply refusing either and that is theft. Tried holding my money like blackmail. I hope the BBB shuts them down.

My wife and I set up separate accounts well over a decade ago. Most likely we have used our cards for tens of thousands of dollars do various purchases over the years. We discovered today while attempting to use my card for business that it had been placed “on hold” for no reason. We called and spoke to customer service agents that were unable to communicate fully in English and were unable to provide any reasoning for the hold other than “the fraud department placed the card on hold and sent a physical letter”. Unfortunately we never received said letter, so Capital One closed my account, thus reducing my overall credit availability and impacting my credit score. Their only resolution was for us to “reapply”, which again would impact my credit score.

Besides Capital One being the first company to give me a credit card, I have no good reason to stay with them. I need to switch to a credit union. Recently I became disabled so I’ve been having less funds than usual but I was up front with the finance department for my loan and told them everything right away and I was given an extension. The good thing is my family came through for me so I wouldn’t have any issues paying my car note. So I ended up not needing the amount agreed upon with the extension and I paid the full amount due each month.

I’ve had my Capital One credit card for a few years now the end of 2025 in December I switched banks and I honestly just forgot to switch over my payment for my capital credit card to my new bank account so when all the years I’ve had this account I’ve never missed the payment. My payments are minimum $25 a month due the seventh of every month of this credit card is only a $300 credit limit that I just use the pay my Google storage which is 299 a month. That’s the only thing I use it for because it’s a $300 credit limit and can’t go forward $300 so because I missed that one payment capital one has reported it to the credit bureau. Tell me why my credit score has dropped 89 points. A loyal customer. You’ve never reached out to me to say, "Hey is everything OK? We see that you missed your payment in December." That’s OK blah blah blah no nothing.

I’ve had two disputes with my Capital One debit card within the past six months, both involving false advertising and misleading pricing. In both cases, I purchased items believing the merchants were legitimate, only to later discover they were not. Before filing disputes, I made every effort to resolve the issues directly with the merchants, spending weeks going back and forth through emails. The responses were unhelpful, repetitive, and ultimately led nowhere. At that point, I expected Capital One to step in and take charge.

Capital One - A bank that understands the everyday situations & scenarios that we all experience; uses their leverage better than its competitors to make mutually beneficial decisions between themselves and us as their clients; I recommend this bank as reliable, trustworthy and believe in their responsible decision making.

Absolutely horrible for so many reasons; company should immediately be put out of business by regulators. Even something as simple and integral as online check depositing doesn't work and hasn't for many months.

Once I pay off this credit card I will be closing my account. This is by far the worst company to ever do business with smh!!!! People would always say Capital One is the best smh. They suck and managers don’t do the job at all!!! They will have you submit so much paperwork then just piss on what you called them for!! I have never in my life been this disrespected smh. I will no longer be doing business with capital one.

They will randomly send your money back but with no wire transfers to prove it so they still have it then close your account with no notification or reason why and the customer service is lazy and don't do their job.

Some merchants including Walmart reject their Discover card. What a frustrating situation! I don't understand how you changed to a new card that sucks. Of what use is a debit card to me if I can't make use of it?

They never raise my line of credit. I pay on time, never late, do everything I need to do to have decent credit but Capital One never raises line of credit even with a decent score. No late fees, always paid on time. Can't even get a 100 dollar increase. Big deal... Man now maybe time to leave. This company credit one raise it all the time as long as I pay on time.

I have a Cabela’s Capital One credit card. I use the credit card to get purchases at Cabela’s store. I had the capital one card automatically drafted out of my account and something happened and I was late for payment not knowing that it occurred. Now the account has been paid off for a long time and my credit has been wrecked. So I contacted capital one about this mishap and now nothing can be done. So as a customer I will advise others who use capital one, buyer beware.

Capital One doesn't value you as a customer. I was one of them for over 13 years with two high-credit cards, spending and paying thousands of dollars over time. My credit score is usually over 800, and yet, despite trusting them because of our years of business together, they denied me a Target's travel voucher twice in two years. It's simply inexplicable. I closed my account, canceled everything, and never again.

If they will allow zero stars I will but unfortunately 1 to 5. This bank think they are the FBI or something. I get my accounts restricted all the time because I made a deposit and they questioned me like I killed somebody. What a garbage of company

I will be closing my account. My company system payroll was now. So we was issued company checks. Called and of course it was, "No problem. You will receive your funds immediately." Now I receive it until the 15th because they saying my company that I work for is fraud. Mind you they can see the company has deposited into my account before. I asked, "Can you release just a minimum so I can pay my bills and get food for my children." They literally told me no. I have to wait until Monday to see if I could be eligible for a release of funds. I will no longer be a Capital one customer once I get my money release. They have definitely change. Going over with Discover. Never had no problems until now. You don't even have a bank where I can go in and cash this check but you determine that my company check is fraud. Yeah I'll be definitely be moving elsewhere!!

I have been a Capital One customer for 15 years and have been happy. Recently they took the debit cards networks Visa and MasterCard away and now the card can only be used with the Discover, Pulse, or Diners Club networks. For me it is worthless when traveling. In the city where I go in Mexico the nearest ATM or Bank that accepts the card is $50 miles away. I am VERY unhappy.

Capital One literally said screw you we ain't giving you no credit, no money back, nothing at all. after multiple calls that's the final result, so I think Capital One is the worst and if you want a credit card I would advise you to go to Chase. They are very very helpful, reliable, beware of dealing with Capital One

I have been waiting for a month for a check from Capital One Auto for overpayment on my auto loan. I just tried to call them and it is impossible to talk with a person. I am going to file a complaint with the New Hampshire Banking Commission. This company is the worst.

You can’t ever close account and they can ruin your credit. I paid three different times after making no purchases. So far I’m at $743. Do not and don’t get a Capital One unless you never plan on closing it. They can’t tell you what the charge is for and once you close your account you can’t see activity ..

Total SCAM credit card company. I received a no offer to get a Capital One Quicksilver credit card stating if I spent five hundred dollars in the first three months, I would receive a two hundred dollar cash back reward. I called them after several months after spending $1000 on the credit card. Paying the balance in full early and they told me I did not qualify for the. Reward which is a bait and switch scam. I am reporting them to the consumer report fraud company.

Worst company ever. Flagged my account for making a payment. It was an approved bank that I’ve made multiple payments over the past year. When I called customer service, absolutely offered zero help. Time to close all my accounts and go with a local bank. Ending a 20 plus year relationship.

Capital One, (USE TO BE), the only bank for me. Now, Capital One has FORCED me to leave them with a 1 review. I've been with Capital One since 2017 and even convinced family to use Capital One. The reason NOW for their 1 star review, they now using Discover. I could not use my card at three stores because for one: they did not accept Discover. Secondly, the card machines would say card error or deny the purchase. My money is all on this Discover card. I called, wanting a Mastercard, they only have Discover, with that been said. CAPITAL ONE WILL BE IN MY REARVIEW MIRROR. P.S. The day I was denied use of my card, the cashier said I was the 4th person I her line that was denied, AND BEAT THIS, the woman had to leave her entire buggy of food. Glade I had Cash App. Cash App has really improved their disputing and keeping you informed on their there changes.

They make customer service sound so good but when it come down to being helpful they can’t do anything except close the account. Capital One within itself is just a scam, they wait for you to mess up and charge you an arm and a leg.

I have had it with you **! Every month it's the same damn thing. I make my full payment on my card and you people constantly put a damn hold on my money. I have to pay multiple late charges. I have had to visit the emergency room multiple times because of you people holding up my payments keeping me from getting certain medications on time!!!! This is every single month and I've had it!!!! You people had better fix this crap before I decide to call my attorney and send him after you ** fix these problems immediately!!!!

Called Cap One 12/20 to request my 91 year old mom's last 3 statements. She gave ok to Mary to send to me. Never received statements. I call 1/1 to inquire and I’m told I need ok again. WTH didn’t Mary write it down in the notes. I’m following up not starting new. HORRIBLE.