Capital One Reviews

I bought a gift card online but found out it had zero balance. After contacting Capital One I received a refund. A month later Capital One took back the refunded amount claiming that the transaction was valid according to the merchant. I filed a second claim and they said the same thing to me. The customer service was awful with no regard for customers. Don’t even bother opening an account with them.

I have a Quicksilver card. The rewards are laughable at best. Terrible card to have. Even paying your balance in full you will be charged an interest charge. I do not recommend this card to anyone looking.

Terrible website. Horrible automated experience. Won't reverse charges. Customer service is consciously incompetent. They know their site and services are back, but wont budge- politely. Paying down balance and getting out of Capital One. I do hope you earn yourself a class action suit.

Absolutely awful. First they lowered my credit limit on Venture card because I was apparently not using it enough. So I closed the account. Then they offer me a Quicksilver card with no annual fee and $300 cash back. They kept sending me the offer so I stupidly applied (first cc application in over seven years). Guess what? They reject me with a credit score of 825! So they basically lowered my credit score once because I closed an account they had the audacity to lower my limit on, and then second time because they did a credit search and rejected me. I think it is discrimination and there should be a way to file a claim against this company. Their customer service is horrible. It is not US based and they are like robots when you finally get to speak to someone. Don't expect any help! Beware!

Do not apply for any Capital One Card EVER! They LIE ABOUT NO HARD INQUIRY TO SEE IF YOU PRE QUALIFY! My credit score is 820 and I Received the Savor Card that claimed if I spent $500 in the first 3 months I would receive a $200 Bonus! Not only did I Not Get The Bonus Capital One Put Two Hard Inquiries on my Credit Report! Capital One Sucks Big Time! Citi Bank, Wells Fargo, and Bank of America are the Way to Go for a $200 Bonus. CAPITAL ONE IS A SCAM.

I used to think Capital One was a great card until my first issue in December of last year when they allowed a bar to double charge me on New Year’s one with a signed receipt, one without and for the exact amount. I pleaded with them, but they didn’t care. Now I have been charged $200 in fees in which they are only trying to, part of their mistake for interest and not help with any of the other payment issues that were created. Definitely won’t be using my card much longer.

Applied and received a credit card from Capital One. Used it twice and paid it off. I attempted to use it a couple weeks later only to look like an idiot when it was declined. Called them and was informed it was marked for Fraud and wanted to verify my identity. I asked why I was never contacted and they advised that they don’t contact their customers. So I had to waste 3 hours of my time, money in gas and look like an idiot when it was declined, find this out and call them.

Card Holder since 2018, I built my credit up with them. After 6 years and my credit line going from $1500 limit to $7000 limit Capital One refused to lower my interest rate below 29.99%. Paid on time always $400-$1300 per month. I warned them after never being late and always paying far above the minimum payment for 6 years this was a fair request. They outright refused. I got card with Citbank at 19.9% with 12 months no interest on purchase and 18 months no interest on balance transfers. I balance transferred and ditched Capital One after 6 years. Do not show them any loyalty. As soon as your credit improve jump ship.

I used an ad through the Capital One shopping app that capital one sent me and it got flagged as potentially fraudulent and my card was deactivated. I had to send copies of my drivers license and wait 10 days for them to reactivate my card. In the meantime all my bills paid on auto pay were being denied because my card was deactivated. I incurred late fees and capital one reps could have cared less. They did nothing to expedite my card deactivation or compensate me for the loss in late fees. Terrible customer services and protocols.

On August 12 - I purchased a Cashier's check online to buy a horse for my daughter. I set the check up to be delivered directly to the people I am purchasing the horse from as they work from home and will be there to sign for the check. I missed the cut off for the check to be shipped Monday. Tuesday, August 13 I get an email with the tracking number and confirmation the check was mailed.

Their customer service really does not care. They're just so big they don't care about individuals. All customer care says they're sorry they can't help, send you somewhere else, and they're sorry they can't help. They're always sorry, but they don't help. Imagine that. And when they say they're a specialist, I don't know what their specialist is, because it's your ain't the complaint I was calling about.

I am a CEO and I chose Capital One as our card. I recently traveled w/ travel services and trip was a disaster. I requested a reinstatement of points for trip and the Customer Service supervisor said NO with zero accommodations. This is after countless hours calling the airline and Capital One. I will be moving my business to American Express.

They charged me interest even though I paid my balance due over a week before the interest charge. They want to rip off customers. Don't do business with them. They don't tell you that they delay charging interest until the current cycle completes.

Capital One did not stand behind me when I lost a $1000 deposit to a car dealer for a car I did not purchase. Capital one allowed the dealer to keep a $1000 deposit for a car I did not purchase because it was rusty. My card company did this to me. Never again god by capital one after 18 years.

I have had a Capital One credit card for over two years now. I have requested credit line increases multiple times and one gave me a credit line increase of $100 over a year ago after making more than my minimum payment, having a 700 credit score, no collections on my credit and never being late with my credit card payment. They still reject my credit line increase.. Customer service has been the poorest. I have multiple other credit cards and they are constantly giving me credit line increases. I do not recommend getting any Capital One credit card because it’s been nothing but problems for myself.

Go somewhere else...don't fall for their bogus Bonus offer...it will only ruin your credit score. They advertise the Bonus but then after you apply and got approved, they don't honor it because their underwriting department don't rely on their own App's credit score to determine if your credit score meets their fine-print requirements. Total Bait and Switch.

I am happy with my card except when I ordered something, I didn’t receive it, I filed my claim, and Capital One still charged me for the product I never got. Now I have another charge that I will not try to recoup because I don’t have faith in the company.

A few months ago, I saw an ad for Quicksilver from Capital One: "Earn unlimited 1.5% cash back on every purchase, every day. Plus, a $200 Cash bonus." I applied for this credit card, and it was approved. When I received the card, I called the 800 number listed and spoke to one of their representatives about the cash bonus offer. He confirmed this to me, so I started using the credit card. In July, I called to check my balances and the benefits of this credit card; I was told that the cash-back offer was no longer applicable to my credit card. The representative I spoke to was very friendly and assured me she would pass this on to her team leader for review. In late July week, I received a response stating the offer was unavailable. So, I called again to speak to a supervisor, and she mentioned that this credit card offer was based on the applicant's credit score. 

In the 3 months that I was a Capital One account holder I was required to verify my identity 3 times. All of my activity was scrutinized and accounts were locked if they had any questions. I’ve since closed my credit card, checking and saving with them. DO NOT use this bank. It’s more trouble than it is worth.

I had a terrible experience with Capital One. After submitting all required documents for a business credit card, they closed all my accounts, including long-standing personal ones. Their practices are questionable, and many others report similar issues. I advise against applying for Capital One cards.

I paid my credit card balance at Walmart but the person at Walmart credited the wrong account. I found this out on the following month's statement showing it was not paid and looked on the receipt and saw it went to the wrong account. I called CO and they said to go to WM and see what happened. CO had my account locked so they couldn't look into it. After numerous calls to CO, they then turn me over to collections as I was trying to get my account straightened out. CO customer service was very rude and basically didn't want to look into the issue. Now my credit score dropped 140 points. After writing CO, I was told there is nothing they can do. I would not ever recommend CO. I would like to note that I have never missed a payment in my life.

I have Capital One for over 15 years. I had some scams in previous years and it was so easy to dispute and find help. However, I had a charge for $350 to dispute this year and they told me I have to contact the airline myself, I tried several times and informed capital one, they told me no problem I can continue trying for 6 months. After a long wait they finally submitted my dispute and told me I was going to receive an additional form to fill it out. I never received it. We found it online, filled, and submitted and the supervisor just told me sorry I just have 2 months to do the process, that's it. They stole $300 from me. I can believe it.

The rates on my cards are 36%, but the worst thing about them in their customer service. I lost my card and they told me it would take better between 4-6 business days to get my card in the mail. Here it is 8 business days after they said they sent it and still no card. Of course they can’t track it.

We had our Ukrainian relatives fleeing in 2022. Rented a hotel in Hungary which did not honor the reservation. Capital One supplied zero help and allowed them to keep the money. Though technically correct, I'm 5 days too late in cancelling the card and they wouldn't refund the yearly fee.

I’m done with Capital One. Your manager “Ray” ID#** was completely unhelpful and very rude. Capital one took $1700 from my credit card from my bank and then told me there is no way to get it back. I’ve been with capital one almost 20 years. Highly recommend any other credit card company. If this guy is the manager that company won’t be around much longer. How many people can you steal from and continue to stay in business? I hope no one else has had to deal with terrible human being.

I HATE THE WEBSITE!!!! CapitalOne has absolutely the WORST, MOST AGGRAVATING website! Trying to something as simple as a search by date range NEVER WORKS. It is as if CapitalOne wants to purposely keep records unavailable so the company doesn't have to store so many records. Every time I try to log on I tell myself that I am going to search for a new credit card. I really am this time. I can't wait to cancel.

I paid my bill, they put a hold on my card for suspicious transactions just because I paid my bill back to back, smh. I feel like this company discriminated against me cause I’m **. I sent them my bank statements showing I paid my bill. Patelco is my bank, it was hacked, the whole world knows this. But Capital One was in aware of this situation. I still can’t use my card, seems like nobody who works here is from America. They telling me this is not my account and I showed them my statements, they say it’s not enough. Make it make sense. I feel discriminated on.

They will not support you in a fraud case. I submitted all required documents and they sided with the fraudulent company. If your card gets hacked you will lose all that money. I am out $500.00 and lost time pursuing this claim.

I have been using Capital One quicksilver for a couple of years now. I use it only occasionally and always pay the full balance on time. I recently used it, once. Now I have a notice that my score dropped a point; because I USED it. Says my usage went from 0 to 4% and calls it a debt. The bill is not even due yet. The frequency of using the card has not changed. Use it and drop my score. This is absurd.

Capital One has very horrible customer service. The people that pick up the phone never understand issues. They escalate matters for supervisors. The worst part of their service is they will not help you if need help with B2B issues like disputes. Our business cards were compromised no less than 6 times over the 8 years of using this nonsense bank.