Capital One Reviews

I was told I had a valid dispute against Adam’s Vacations who I bought a flexible plane ticket from and who would not honor the flex. Emma, Capitol One Rep, verified that Adam’s Vacation violated their contract. Capitol One sold me the same ticket from Capital One's site. Then they backtracked, and said that Adam’s vacation’s proved that I did not buy a refundable ticket. So they charge me for both tickets. I never said it was refundable and they will not hear me nor look at the receipt, which so clearly reads that it was flexible. I won’t pay it, so now they have destroyed my credit because of their error. Thank you, Capitol One. We have no recourse over these huge conglomerates.

After applying with Capital One card and approval and receiving my card in the mail and paying on time, they decided to decrease my credit limit $500.00 without a call from Customer Service or letter in the mail. This company is a total scam and will close this account asap.

I really like my personal checking account and it’s very user friendly. But I just closed my Spark Business Cash select account. As a small business owner I do business occasionally but not continuously. As a result due to inactivity capital one lowered my credit limit twice. Capital One business cards do report both personal in business bureaus as I understand it. So my recommendation is that if you are a small business owner, try to go with American Express, or other. I am also an American Express business card owner since 1995. I’ve had high Credit lines with them and have never had my credit limit reduced due to inactivity Again, I like your personal checking service, but I would never get a business card with Capital One ever again. It was a mistake. To others -Think twice before you pick a capital one business Card. I will be Posting this review on other venues as I am able.

They offered me an upgrade to get reward points and cash back on an existing account. Never telling me I would have to give up my Photo card? I carry this card with me always. It has a picture of my children? I called to ask to keep this card and forgo the cash back and benefits to find out there is no way back? Just another scam from the mighty corporate dogs... Years of loyal credit usage, some interest even..i have great credit, other better cards but I used this one because of the picture...your loss Cap One... Bye!

I paid off Capital One and discover in March 2025. Discover reported to the credit bureaus. Capital One has not. I talked to Capital One about it. They said there’s nothing they can do about it. They’re holding my Credit hostage.

Capital One started issuing Khols credit cards. I called to cancel to Khols credit card and Capital One closed not only the Khols credit card but they also closed my Capital One credit card. When I called to reinstate the Capital One credit card, I was told my Capital One card will be not reinstated, and my credit card will remain closed. Therefore, I will never open another Capital One account of any type, nor will I ever recommend Capital One to any one because of their incompetent errors.

I’ve been a customer of Capital One for quite some time now, and I am beyond frustrated with the poor service and lack of support. From the start, it’s been a nightmare trying to resolve simple issues.

I opened a savings account and added my granddaughter as joint owner. I received the message for her to call Capital One to verify her identity. She did, and she was told she had to appear in person with her photo ID and social security card to, again, verify her identity. The closest physical location is over an hour away from her home-what is the point of an online bank if she has to appear in person, an hour away from her home? The account is now locked, making me unable to access the money I deposited when I opened the account until she does that. I have had an account since 2004, when it was still ING-I would have thought I would be treated better than this.

I am a victim of Jugging at Capital One Bank on Westpark & Buffalo Speedway. Beware of this specific location of Capital One Bank. I visited this branch that’s located on 3207 Westpark Dr., Houston, TX 77005 few days ago on Thursday January 30th, 2025 around 1:00 PM. The drive through refused to allow me withdraw $4,000 cash for my overseas travel for 4 weeks. The lady forced me to get the cash from the teller counter inside the bank. I parked my car and walked inside and got my cash. I walked back into my car and went to Kroger located in the same strip center to buy milk. I contemplated whether to keep the cash with me or hide it under the mat to be safe. I chose the latter. I walked out of the car, went inside Kroger, bought the milk and went back to my car.

Terrible company! My niece had a baby and got into debt with her credit card. They weren't willing to lower her interest rates or help her in any way. The account is paid off now including all their high fees and interest rate! Stay away from this card!!!

Capital One sucks! Kohl's had their own credit card which I had for years along with a login and password so I could download the bills and pay them. Once they went to Capital One, it was one headache after another. Creating a new account, requiring lots of personal info and then the login and password stopped working and their people are no help at all. After hours on hold, I asked them to switch me back to paper bills. I likely won't shop at Kohl's anymore. The people at Kohl's were fine but this was a mistake at their corporate level.

After two months of communication, with no mention of additional information needed. Capital One closed my business account without a phone call, an e-mail, or even a message to my online bank account. Then because they had the wrong address for the close out check (to which they had just sent the business debit card to the correct address...) Now they say they need a notarized affidavit to let them know I did not receive the check. Which can up to an additional 90 days after waiting for a month.

If there is an option to 0 star, I would. Capital One Williams-Sonoma credit card has been nothing but a nightmare. I opened an account at Williams Sonoma in Short Hills, NJ location in Nov. 2023, they offered me 0% for 12 months option so I took it, made 12 equal payments toward the balance, yet got charged over $800 interest because someone at Capital One or Williams Sonoma didn't process the paperwork correctly. I reached out to both companies to investigate, no response. So I ended up paying all the interest, yet Capital One keeps charging interests on the payment I made. I called and complained to their supervisor and their response was that they can not guarantee there won't be additional interest charged just as I paid off all my balance and cancelled my account. I would NEVER use Capital One again.

I was a Capital One customer for over 10 years. I started lowering my credit limit and paying down all my Bills and all the sudden. They started holding my payments making it impossible for me to use my card and holding my money for UP to 26 days, 26 days of Bills and other things. I had routed through this card. I was not able to use because I lowered my credit limit. They had no explanation for me after being a customer for so long. Never having made a late payment. Having excellent credit score and they would not help out in any way.

After ignoring promotional emails, I finally decided to apply for the Capital One Savor Card after ignoring their promotional emails for years. The card itself has great perks—offering solid cashback rewards on dining, entertainment, groceries, and streaming services—but my experience with their customer service has been nothing short of frustrating.

Conclusion: If you need a credit limit above $1,000, avoid Capital One like the plague—they’re the worst! I applied for a travel card with Capital One, expecting a decent credit limit based on my strong financial credentials—over $100K in income, a 750+ credit score, and existing limits exceeding $30K. Instead, they offered me a pathetic $800 limit, which is an outright insult. I wanted to buy three family tickets at roughly $1,100 each and earn rewards, but their laughable limit made that impossible.

Need a negative star rating system. Opened a joint 360 Capital One account back in 2014 when daughter went off to college.. No hassle then did everything online without needing to contact a rep. 2025 experience. A. Went to branch to provide ID verification to open a new account. B. Added a Joined owner = Joint person could not be added, this person is also a capital account holder. C. Linked Fidelity to Cap360 = Capital One account locked. D. added as joint to another person 360 account = had to call verify myself including providing internet provider name and cities last visited.

Capital One is a Terrible bank! Please my dear friend don't do the mistake of opening an account at Capital one bank!! You will thank me for my warning. Their system is slow and they are making you crazy for every small thing.

This company is such a disappointment. Their customer service agents suffer to be respectful or kind. You can hear the lack of interest or concern in how they speak to you. Try to get a manager to speak with and they demonstrate the same amount of concern for what you're calling about. Just simply poor business practices. Avoid them.

CD came due and I was quoted a rate and a new term. The staff person obviously lied because they never put the order through properly.... Years ago they also lied about a credit card promotion, that turned out to be a nightmare also....for these two instances I will never do business with Capital one ever again. They are the worst I have ever encountered in banking.

I am extremely unsatisfied with my Capital One Venture Card. I worked great for months. We spent and paid off about 50,000 over the past 6 months doing a house remodel. All of a sudden I get a notification that my account was restricted because they had concerns. I had just made 2 payments. They want me to verify that I am allowed to use the bank account that I used for payments. I did complain but decided to comply with their process so it didn't disrupt the way my finances work. They emailed a link and I immediately sent the bank record they requested.

If I could leave a negative star rating, I would. I have had nothing but headaches with Capitol One. Every time I try to talk to someone, they barely speak English and can never seem to help me. It's always "there's nothing I can do." I wish I had gone with a different company for my credit cards, and now I'm stuck dealing with the constant headache. My advice: don't use Capital One! Their customer service is a damn joke.

The customer service is horrible. My account was locked, so I contacted Capital One to unlock my account. I repeatedly informed that I needed to unlock my account, not my card. After several transfers, the person I last spoke with unlocked my account. The first person I spoke with appeared to be American (voice), but she was rude. She transferred me to a department I didn't need. Before she transferred me, I explained to her that the department she was going to send me to was incorrect. She grew frustrated and rude.

Many years ago Capital One was good. NOT ANY MORE. They have the worst customer service on the planet. I have had unbelievable problem with them placing fraud alerts on everything I try to purchase. The foreigners they hired messed my new card up by activating it when they mailed it out. They then cancelled the old card with over 2 months left on the card. That's where all the problems began. Then they put me through hell to try to get the problem solved. Those foreigners have NO common sense. They are the most incompetent bunch I have ever dealt with. Most of them cannot speak good English so, speaking with them is near impossible. I have spent DAYS of my time trying to solve the problem. It is a JOKE. There is not enough time or space to tell you all the problems they created. I have left frustrated and angry from the problems THEY caused.

Not recommend especially if you are needing to help cover some basic expenses right now.

I overpaid on one of cc with Capital One. It was meant for the other cc. I called to have them make the switch. Overseas customer Svc. They said it will take 7-10 business days. They did remove the late fee. Well here we are day 12 nothing. I called. Got overseas again. They didn’t understand. Finally I said, "Switch me to the states." They couldn’t do because “a case” is already open. Really?!!! No wonder Walmart sued them and left.

If you are thinking of using this company for help look else where, I needed a EMERGENCY OPERATION called to get info on a cash advance they explained that I would only be charged a onetime interest charge that would be applied to the amount taken out but actually they don't charge once they charge every month, I ended up having a heart attack and called to get help lowering the payments and to find out why they are charging interest every month when the interest was applied to the loan in the beginning, they were no help in any way, DO NOT SEEK THIS COMPANY FOR HELP. ALL 0000000000 FOR CAPITAL ONE COMPANY.

The dispute department is the worst ever. I had made a purchase with my Savor Business Credit Card where the merchant credited me and refused to give me a service. I called to dispute and provided every available documentation to the very detail but they chose to not award the dispute to me and told me their decision was final and that they will not refund me. Absolutely useless customer service. I regret ever opening that credit card with them. I will definitely be closing this card out. This is absolutely ridiculous.

Capital One Bank is a complete fraud and bogus entity. Extremely low level customer care, fabricated unjustified late fees, deception and predatory lending. This is one of the worse entities. Stay away!!!!

I have had Capital One for a long time and I just recently took out money But they have been charging me the fee for CASH ADVANCES WHEN I HAVE JUST USED IT once. I felt that I am paying for the fee mine as well take the money out. Look at your Statements. They have gotten away with it even though I have made complaints and filed complaints. They told me I must have taken out an advance and I went into my statements and there is no ATM WITHDRWAL ON MY ACCOUNT but I am paying the interest on one!