Capital One Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
About Capital One
Capital One has credit cards to help you earn points to use towards major purchases, including travel. Read reviews for Capital One Venture to learn about travel rewards.
- Mobile app with tracking tools
- Relatively low fees and good interest rates
- No opening balance requirement for checking accounts
- Limited branch locations
- Opt-in overdraft charges
Capital One Reviews
Filter by Rating
- (216)
- (49)
- (51)
- (205)
- (3,370)
Popular Mentions
- 4,889,664 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,889,664 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed May 16, 2026
I have had this credit card with Capital One for over 15 years. I always pay my monthly balance on time and in full. One fact relevant to this is; about a year prior to this incident, I had to replace my capital one credit card. Capital one mailed me a new credit card with a new Credit card number but on the same current account.
At the end of February 2026, a fraudster charged my credit card for what appears to be a monthly parking payment of $385, the vendor appears to be a major parking lot company. The fraudster used my old credit card account number. I noticed the fraudulent charge on March 2nd 2026. I have never paid for monthly parking. Although I do occasionally pay for parking in New York city, it has never ever been for more than a few hours. I called capital one to dispute the charge. They immediately put a hold on this charge and issued a credit for that amount. However, on March 3rd, they declined my claim of fraud and put it back on my balance.
I called them immediately. The reason they gave me was simply that their algorithm determined this was a genuine charge. After pressing them for more details, the rep reluctantly told me that this was an online charge and that the IP address was consistent with other of my genuine charges. I debated that IP addresses can easily be spoofed and that fact is far from certain proof, but I could not get any more information about this charge and they stuck with their conclusion. I continued to press including the fact that the charge was made on my old credit card number, which I have NEVER again used since I got my new card. That fell into death ears.
I then requested to speak with a manager. The manager gave me the exact same scripted response. I then told them that I would cancel my credit card if they did not do any further examination of this case. They told me I could just do that but that does not change their conclusion. So I did cancel my credit card paid the balance excluding the amount of that charge. Of course, they then apply some late fees of $25 + Interest on the balance. After doing some research for recourses, I found out there is no way to stop them for charging me late fees and interest while I am disputing this charge. So I finally paid it. Of course I could always file a lawsuit with the small claim court. But this is a long and time consuming process.
Bottom line is that Capital one Algorithms are rather poor. It seems that their policy is that if the fraud is not obvious, then deny the fraud claim instead of further investigating it. They did not give any credence to my claim despite having been a good client always paying my balance on time. They also did not consider the fact that the charge was made on an old card number which was never used for almost a year. They did not consider that IP addresses can be spoofed. It looks like if the fraud is not obvious, the policy is to not spend the resources to investigate and to not lose the money, and so charge the client.
Reviewed May 15, 2026
I am an active-duty service member who was recently approved for benefits under the Servicemembers Civil Relief Act (SCRA) through Capital One. On 5/15/26, I called the Veterans Line along with my wife. We were assisted by an employee named Chuck. During the call, Chuck was unbelievably rude and disrespectful to both my wife and me. His tone and behavior were completely unprofessional and left us shocked.
As a service member who has just gone through the SCRA approval process, I am deeply concerned that an employee working specifically on the Veterans Line would treat a veteran and his family with such hostility. I cannot understand why someone in that role would appear to hold such clear disdain for the veteran community that the SCRA is designed to protect. I would like a response on why this continues to happen. Additionally, just called back and got the nicest lady named Cashanda and she completely took care of us. Chuck wouldn't give out any of his information to include his ID number...
Reviewed May 15, 2026
I had an overseas trip all paid for through Capital One. Had to cancel because of changes in our airline flights. I got a total refund back to my card, over $6000.00. I was then told it would take a month for them to cut me a check for my credit. I guess it's my Wells Fargo card from now on. Been a customer of Capital One since 2018. Soooo disappointed!
Reviewed May 15, 2026
I just called to try to recover an account and whoever Sebastian is, hung up on me after I gave my social number, now I not comfortable. That's not ok.
Reviewed May 14, 2026
I ordered two pressure washers from a Hong Kong outfit for $114. The product was crap and did not live up to its marketing hype. I sent all the info related to this and made a dispute claim to Capital One after trying to resolve this with the Hong Kong criminals. Capital One disregarded my complaint. I have been a Capital One customer for 10 years. And one of their very best customers. Why they stupidly chose to choose a bunch of Chinese crap sellers over my complaint about their product, which did not perform as advertised, I cannot understand. What kind of ** are Capital One hiring to decide these issues.
I can afford easily to get screwed for a $114" the BS charge for a clearly shitty product. However, that is not the point. Does Capital One consider me important as a customer OR not. Apparently not. Be advised that if Capital One chooses Chinese crooks over their loyal customers, maybe you may need to cut their card in little pieces.
Reviewed May 12, 2026
To receive this credit card took over that a month; but when I used gets decline and when I call to fix it they asked me passport; driver license; official letters and to make it worst the customer service the Spanish guys are so careless; rude ; and they don’t care the make you feel less important because they are there to collect a check that’s is what they told me .. simple as that.. I hate this service for real I do .. be careful with this capital one customer service. Worst of the worst.
Reviewed May 11, 2026
Capital One does not protect you as a consumer. They always side with the seller in a dispute. I had a seller offer misrepresented services, provided proof and the dispute was denied.
Reviewed May 10, 2026
Sorry for the rant here but I've been stewing on this all. I have been with Capital One since roughly 2017. I opened a platinum card account so I could work on my credit and quickly followed this by opening a 360 checking account. Flash forward a few years and the platinum card has been upgraded to a quick silver and my deposit returned to me. Had nothing but good experiences for my entire time as a customer and have regularly recommended them. Especially over using chime or cash app as your primary bank.
Then out of nowhere at 7am on a Saturday, they deactivated both of my Quick Silver cards. Their official reason "We are closing this Quicksilver Credit Card because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage." Which means literally nothing.
The customer support rep said it is likely do to a handful of returned payments. Which I will take fault for, I've been juggling to many things lately and occasionally forgot about a different automatic withdrawal, but it's been like 5 total in 6 years and I would blame them for at least 2 of them as they "returned" a payment back to my 360 event tho the funds were in there and indicated that I had to initiate a new payment, which I did at a higher amount as the original payment had not been withdrawn and I had just been paid.
They processed both payments and kicked back the larger one and immediately shut off my QS accounts even though the original has been in good standing for 6 years and I had never had a returned payment. (The whole reason I opened a capital one checking account was to make paying the card easier. They are literally just move a balance for one column to another.)
No attempt to connect with me or explain what was going on. I'm honestly not sure how they just took from me in rewards, but it was likely a decent amount as I run all of bills through one and my work expense account through the other. The experience has ruined the company for me and I will be closing the remainder of my accounts as soon as possible. Now I'm waiting for them to withdraw my last payment, which post to the balance on the CC on the 8th and that they confirmed was received via email, but has still not been removed from the checking account.
Reviewed May 8, 2026
I just had a merchant dispute that Capital One decided that I had to pay. The merchant was Tire Plus. I took my car there to have a nail removed from one of my tires. Tire Plus did a lousy job of patching that tire. A week later I had to buy a new tire. I sent Capital One the paper work for the tire and my statement and Capital One still said that I owed the money. Capital One sucks. Try calling their customer service that sucks also.
Reviewed May 6, 2026
This may seem petty to some people, but for me it is an issue. I give gift cards as gifts, and occasionally I use something for myself. I ordered a digital gc April 8, 2026 and as of today, May 6, I still have not received it. What the heck.
Reviewed May 5, 2026
This is a long review I wrote, but essentially they do not protect their customers from fraud and have little sympathy for it. Beware of this credit card company. I was recently on vacation in Mexico from April 4-11, 2026, and decided to withdraw money from a bank machine on the resort I was staying at. I withdrew $400 Canadian dollars on April 9. As soon as I was done my transaction my phone bank app alerted me that 3 additional transactions took place almost immediately. One for $122.85 and another one for $545.86 CAD and another one for $84. The $84 one was flagged and denied by my credit card company which is Capital one Mastercard, but the first two charges went through. My original transaction from the bank machine was listed as Bankaoolcabo. The next transaction was listed as ** JesusEnrique and the next one was listed as ** JoseLos. I then went into my bank app and locked my card so no further charges could go through.
I went to the front desk of the resort and they directed me to a money exchange booth that they said was responsible for the bank machine. The exchange desk clerk gave me a phone number to call. I took a picture of that phone number but was going to wait until I got home to call it because my cell phone was not set up to make calls while in Mexico. After I returned home I called Capital One the next day, and told them what happened. They said they would remove the charges from my card. Then on April 28 Capital One called me to inform me that they were going to reapply the charges because my physical card with PIN # was used for these transactions even though I explained that those charges all happened within 5 minutes of my original transaction. They advised me to contact the merchant. I then tried calling the phone number I took a picture of and it was out of service.
I called Capital One back and explained that to them, they then said that I could make a police report and provide them with the information from that and they would look at removing the charges again. I went to the police station on April 29th and filled out a report. I called Capital One back providing them with all the information they asked for except a suspect name. I explained that the police officer told me that they cannot launch an investigation into something that happened in Mexico. So essentially there will never be a suspect name. Capital One said they cannot move forward with reversing the charges because they need the suspect name and they closed my file. I then seen on their paperwork that I could request my file be forwarded to the Capital One Complaints Resolution Office if I was dissatisfied with the outcome of my claim.
I spoke to the manager then who told me the same thing, they cannot do anything at all without a suspect name. They also told me that these charges were made by an Art Supplies Company. How could I make a transaction at one location and then run to another and spend almost another $700 in less than 5 minutes?? I think it is hugely unfair that they are making me pay all this money when I did not make these transactions.
Reviewed May 5, 2026
This company bombs me with pre offers through the mail. I stupidly tried one and got denied after they did a hard check on my credit. They need to stop. I will never use them no matter what or no matter how high I get my credit. Never!!!!
Reviewed May 5, 2026
My experience with Capital One keeps getting worse. Their recent buyout of Discover and the conversion of their debit cards to the Discover network threw a HUGE wrench into my travels. I tried using my debit card at three different ATMs in Hungary and all three rejected my card. They're not in the Discover network. I finally found a Pulse ATM - one that was NOT recommended because of bad exchange rates. How did Capital One go from being useful almost anywhere to being useless everywhere. I looked forward to my time in Budapest and instead, found myself scrambling with banking. It shouldn't have been this way.
Reviewed May 4, 2026
I have been banking with Capital One for over 10 years. One positive thing I can say is that when fraud charges do happen they have always gotten my money back. HOWEVER, it is becoming more and more easy for my accounts to be hacked, even though one of my three cards is a credit card and it is registered nowhere. All I do is make payments on it, I do not use it and yet somehow the account information constantly gets stolen and used. This keeps happening I will definitely bank elsewhere.
Reviewed May 4, 2026
If I could give this company zero stars I would. They didn’t have ANY of my correct information on file besides my address. I thought I misplaced my card so I was checking to see if I had any transactions Alan’s. I didn’t. The man suggested me to get a new one but stated before he can start process he needed to verify me. He NEVER ONCE SAID he was cancelled the card, I asked him to just lock it because the verification process was taking too long why then he said he already cancelled my card. I immediately asked for a supervisor who couldn’t do anything about it. I closed my account. Now have to wait three weeks for a paper check. Never again.
Reviewed May 1, 2026
I've been a Capital One customers for years. And I wish I could get a little more credit than what I receive now. My payments are always on time.
Reviewed May 1, 2026
The worst customer service I've ever had. They make it literally impossible to contact them, it's a miracle if you can get anyone on the phone, let alone there being no option for chat or email besides the most useless AI bot I've ever encountered. The app doesn't work with cancelling payments, despite me trying to cancel a payment only 20 minutes after it was submitted. My account is connected to an old name from before a name change, despite me opening the account years after the name was changed. I submitted documents to fix this twice, but they still have yet to actually fix anything.
Reviewed April 30, 2026
Capital One platinum; If I could leave zero stars I would. They gave me an offer for a zero annual fee only to deny me, but approve me for a secured credit card. They are phishing and hope that you bite.. They are completely bogus. They need to go away. Imagine not needing the money, but want to increase your credit limit. They want you to give them some money for your own credit. Even when you don’t need it.. these credit card companies are trash. Use them to build credit, not borrow money.
Reviewed April 30, 2026
I am cancelling my Capital One account. Their process of handling out of the ordinary customer situations is beyond justification. A company as large as Capital One should have contingency plans. I had to cancel my card and ask for a new one. I have spent an hour, two different times, then an hour online, trying to change a phone number I have not had, or have access to, for three years. If they cannot verify me through that number, I cannot receive a new card. They are saying they can do nothing. It is ridiculous. Beyond belief.
Reviewed April 29, 2026
I was a Capital One customer for 30 years. I spent 5 1/2 hours on the telephone one day trying to get some help from customer service, fighting the language barrier and four different countries, the Philippines, Mexico, or a Spanish-speaking group of people, not sure which could’ve been Costa Rica and everybody that I talk to was only trained to ask verification questions.
Other than that, they couldn’t understand a simple question being asked of them, and didn’t have any background and knowing what to do to help a customer after five hours on the telephone, I lost it. I told the person in the call center that they were. Incompetent should take more pride in their job and learn to do their job well and should learn the language if they’re going to support a US market. Capital One canceled my relationship with them after 30 years, the next day with a letter that was nasty and impersonal, intentionally good riddance. I went from a credit card that had 30% as the rate to 17% because of my excellent credit rating, good riddance.
Reviewed April 25, 2026
We had a discrepancy over the points I was supposed to have gotten! I satisfied EVERY thing mentioned!! I spent $4,000 the first 3 months but DID NOT receive my flight miles advertised!! We went thru each step trying to get this resolved and finally got to the top person she claimed... And she said there is nothing else to discuss and HUNG UP ON US!! VERY VERY RUDE AND EXTREMELY UNPROFESSIONAL!!!! All I wanted was what was advertised!! NOTHING MORE!! VERY, VERY DISAPPOINTED IN CAPITAL ONE!! The so called manager med to be reprimanded immediately!! Now I'm getting a bill for another year!! WE TOLD HER TO CANCEL, CANCEL, CANCEL!!
Reviewed April 24, 2026
Let me make this perfectly clear, today is April 24,2026 and Capital One bank Sucks the worst bank in the industry. Today I went to log in to the app and all my Accounts are gone from the app and web site. Capital can’t do anything right. They suck, let me repeat that capital one banks sucks. Take your money out to another bank like Chase or Even Wells Fargo. I put the date on this review purposely so you know it’s a most recent review about this worst bank in the industry!!! Capital one banks sucks take it for that.
Reviewed April 23, 2026
I'm the POA for my dad who was the victim of the 2022 data breach with this company, they stole his information and between 2023-2024 a hacker charged nearly $5,000 to his silver capital one credit card, last year in 2025, he was once again the victim of a scammer pretending to be Capital One. We've made several calls, but this breach is still currently going on. We tried going through the BBB, only to not hear back, this company owes me and my dad $5,000 due to the fact, we also had to put a stop payment on a check, open a new checking account, freeze the old account and we were out $30.00 additional for having to order new checks, in closing this is the most corrupt credit card company, and even now your information and data aren't secure or safe.
Reviewed April 22, 2026
All around terrible. It's to the point where it almost feels like they're running a scam. I've done this three times now just to see if it's common practice with them or coincidence. However all three times I got the same results. I get a flyer in the mail telling me I'm pre-approved. I sign up. They get all the necessary information and I get my card in the mail, in a timely manner. Yay I'm pre-approved for what I'm guessing is their minimum credit line. But I figure what the heck, maybe I'll build some credit and get a higher one in the future, so I activate card. Some time goes by and time comes when I decide to use my card. Three out of three times my first transaction gets declined and then they freeze the account dinging it for fraudulent purchases. LMAO.
It's my first purchase. On what are they basing this fraudulent activity on? Anyway so I proceed to call them and tell the fraud people it's I the user so by all means they can retract the hold on my card now. But oh no not this fraud team. Even after proving I was who I said I was and it was me trying to use the card, I figured that would conclude our business with the fraud department but I figured wrong. Every single time they would tell me they couldn't unfreeze my card until I basically sent them every single thing you could possibly think of regarding my personal life, information, employment. All this for a minimum credit line. And coming from the fraud department of all places.
And like with any credit card you apply for a fair amount of this information I've already given them during the application process. Assuming all is well once approved. And giving them all the information I was willing to give them apparently wasn't enough even though being granted approval makes no sense to me. I mean just deny me during the application process if the information I'm willing to share doesn't merit their minimums. But instead they seem to have some game they like to play. Like I said three out of three so it's definitely in the manuscript.
My favorite part is upon me denying giving them any more than I already have and since they can't or won't relinquish my credit line without this atrocious amount of more information, I then proceed to ask them for one of two things and that is to free up my credit line and if you're unable to do this or unwilling to do this then please I'd like to close this account because it's obviously useless to me from this point on. So we closed the account. Or accounts I should say. Three times. My favorite part of this last one was when he asked me how I'd like to pay the $39 balance. Which was the yearly fee I believe. I said, "That's never going to happen." If I used the card even once, I would be more than happy to pay the fee. But since the card virtually isn't even active since they freeze it instantly upon the first purchase or attempted purchase which also is inconvenient and a headache and embarrassing in some situations.
That is $39 of what they will never see from me. Consequences be damned. I don't know. I guess I just find it frustrating and not very logical or whatever approach this is that they insinuate on doing. I can't imagine it makes for a happy customer base. Perhaps the super wealthy at the top are just bored with their lives and have to torment us lower on the totem pole folks for their entertainment. I find it just nuts. That's all. So if you're thinking of giving them a try I would pass, save yourself the headache and satisfaction of knowing you're depriving some old rich prick his entertainment for the evening.
Reviewed April 21, 2026
Worst experience with point redemption. Never received gift cards...called back 4 times over several months...never resolved..never received cards...wouldn't give back points.
Reviewed April 21, 2026
I had my name legally changed and provided them with a court document, updated passport and social security card and apparently that isn't enough to update it? They need some special IRS form?? Sorry what? I changed my name with BoA, Wells Fargo, and Fidelity and Baselane all without this nonsense. Only Capital One is a problem. I'm so annoyed.
Reviewed April 17, 2026
I’ve been dealing with an issue with Capital One for over a month now, and it’s been one of the most frustrating experiences I’ve ever had with a bank. I made a credit card payment using my own external bank account. Shortly after, they flagged it as possible fraud and locked my account. Fine, I understand security checks happen. But what doesn’t make sense is that they still took my money while keeping my account restricted and making it nearly impossible to fix the situation.
Since then, I’ve submitted everything they’ve asked for to prove the account is mine (bank statements, screenshots, direct deposit forms), all clearly showing my name and account. They keep rejecting it because my bank masks part of the account number for security reasons, which is normal for a lot of banks. Even my bank has told me that what Capital One is asking for is unreasonable. Every time I call, I get a different answer or no real solution. There’s no flexibility, no common sense, and no clear path to actually resolve this.
What really crossed the line is that Capital One somehow contacted my mother about this issue, and she is not listed on my account at all. I never authorized that, and there is absolutely no reason they should be discussing my financial matters with anyone else. That’s a serious privacy concern. At this point, it feels like I’m being punished for using my own bank account to make a payment. My money is gone, my account is locked, and I’m stuck going in circles with customer service. I just want my account fixed and access restored, but instead I’ve wasted weeks dealing with this with no resolution. I would not recommend Capital One based on this experience.
Reviewed April 17, 2026
Their customer service representatives are polite but not always knowledgeable regarding credit card information. I was waiting for a card to arrive by USPS and never received it. However, somehow while being in the possession of the United States Postal Service my card was intercepted by someone and they made five different charges on the card before I ever saw the card or even received the card. I insisted that the replacement card needed to be sent by FedEx and it was. So I did get the replacement card and the charges were not mine so I wasn't charged for those fraudulent purchases. I was offered an upgraded credit card and I accepted that offer and was waiting for my new upgrade card but that too disappeared in the mail system and Capital One said that they would not send the replacement by FedEx as they did the first time and that they would send the replacement but United States Postal Service.
Wish I was not happy about because after the first experience with never receiving my card I was reluctant to trust the postal service again. The representative on the phone informed me that my present card that I owned would not be canceled until I received graded card and that turned out to be incorrect information. So I was left without a credit card and was still waiting for the one that was supposed to be arriving by US mail which had not been received and was way overdue. Overall it's just been a frustrating experience with misinformation and cards being stolen by United States Postal Service employees. Capital One needs to stop relying on the United States Postal Service when they send credit cards and send them via FedEx which is more secure.
Reviewed April 16, 2026
Capital One promised a $200 statement credit that I never received – they flat-out lied about it. Their customer service is absolutely horrible; agents are rude, unhelpful, and clearly don’t care. When I decided to close my account, they didn’t even pretend to be concerned. You’re just another number to them. I would never recommend Capital One to anyone. Stay far away.
Reviewed April 15, 2026
I have had a Capital one credit card for over 20 years with not one late pay. We have not utilized the full credit limit of 15K in a while. I was asking for a one time increase to 20K for a large purchase. I was declined because evidently, I do not max my card out enough to their liking so they turned me down. Nobody cares about on time payments or longevity of accounts especially Capital One. What really shows how much they care (which is NONE). I did not even have an option to get a human person review. Pitiful and NO customer service any more with them. Since you will not let me choose. NO. WOULD NOT RECOMMEND TO ANYONE.
Capital One Company Information
- Company Name:
- Capital One
- Year Founded:
- 1988
- Address:
- 1680 Capital One Drive
- City:
- McLean
- State/Province:
- VT
- Postal Code:
- 22102
- Country:
- United States
- Website:
- www.capitalone.com