Capital One Reviews

I had a Capital One credit card. I would pay off what I thought was the interest and the late fee, and very little went to the principal. No sooner did I pay that bill, they tacked on another $75 in interest, before the previous bill cleared my bank. When I was one day late, I asked if the $8.00 late fee could be waived (paycheck determined), and they told me "Well, we will see what we can do." Never removed the late fee. I tried several times to contact them about lowering my monthly payment to one that I can manage, after my card was charged off.

Buyer beware! Capital One may offer you travel credits. Also Discover and Airlines may offer you a temptation of a travel credit – do not accept it. The travel offers can be only be made through Capital One Travel. Each travel offer has a specific applicability, so it won’t work for almost anything you may have in mind - the starting prices will be much higher and the availability much lower. Read the terms and conditions – it’s about 100 pages long and there is no way you will ever meet all the terms and conditions. There’s always some exclusion somewhere that means after the fact, you’re just gonna be stuck paying for everything. Whatever the offer is do not accept it.

Used to be excellent. Some things still true. Easy to use, low fees. However, the recent change to Discover has been awful. Suddenly a huge trusted network of ATMs whittles down to barely any. Traveling is supposed to be easy with them, but with the Discover network it is hit or miss, sometimes completely useless. I found myself in Mexico completely unable to pull cash out for anything. If you travel at all, or rely on a broader network of coverage, stay away.

I opened a 360 Checking account and deposited $1000 from my US bank account, based on Capital One's promotional offer, which stated that I would receive a $300 bonus after meeting the required conditions within three months. However, after four months, I still had not received the reward. When I contacted customer service, I was told that my initial deposit, which I had transferred from my U.S. Bank account, did not qualify for the promotion. They explained that the deposit needed to be made in a specific way, but despite their explanation, the requirements remained unclear and confusing.

I recently tried to pay my Capital One card(s) bill by phone using my debit card from the bank that I normally mail a check from. They will not take a payment by phone using a debit, they want me to voluntarily give up access to my bank account and routing number (this bank is an hour away) in order to make a one time payment by phone, that's not happening as they have been also pressuring me to go paperless and give them my bank account info. They REFUSED to take a payment with my debit card and this will cause me for the first time to be late out of all of my bills, mortgage etc...unless I go to the local bank and pay for a cashiers check to mail in order to prevent it being late while I wait for my checks to come in...they refused!!!

I just needed my phone number updated so I can log into the app and see my account information and pay my car note, but instead I now have to call every month to pay and I cannot access my account info. Their app is absolutely terrible and the nice people who tried to help could not do anything to resolve the problem. Please don't use Capital One or the app. It's beyond terrible and if you change your phone number you won't be able to do anything. I wish I could go to another company but unfortunately my loan was through this horrible company. I am not happy and I wish I didn't ever choose capital one. I know no one cares about review but capital one is abysmal and subpar.

I am extremely disappointed with how Capital One handled this situation. I purchased a vehicle warranty through a used car dealership, later canceled it, and received a refund of approximately $2,700. The refund was correctly applied as a credit to my Quicksilver credit card account. Since the credit created a positive balance, I simply requested that Capital One send me the remaining funds by check, which is a standard practice for credit balance refunds.

Worst Credit Card company ever!!! Closed all 4 of my credit cards for absolutely no reason. Made the scheduled payments on time all the time. Kicked back my payments and closed my accounts.

Shelia eyz095 was inconsiderate, lack of customer service and doesn’t understand how to correct nor be empathetic to customers problems when her own team gives out compromising information. And they placed her in a senior account role!!!! I’m a new customer to Capitol One and already regret my decision banking with them!!!!!

The Capital One fraud department is a joke. I received fraudulent charges on my credit card twice. I fully documented how the charges were fraudulent yet each time Capital One declined to remove the charges without ever really explaining why. I think they were just lazy and incompetent and didn't want to bother. I quit using that card.

Capital One replaced my Visa card with a Discover card without getting my permission. I found out when my card was declined twice by businesses that don't accept Discover. I have nearly perfect credit and had a 25K limit. I carry no balance. Once I called they were rude and entitled. I got the best cash back visa in the world to replace their card. I will never do business with them again.

This is the worst bank I've ever dealt with!!! Since February 2026, my direct deposits have been going in later and later!! Today, it's 5:06 pm and my money still hasn't been deposited into my account!!! I verified with my employer that it was submitted but Capital One says they don't see it!! I've had to call every Friday since February because of how late it's deposited and usually, about 20 minutes after I call, the funds are deposited but not today!! I work with 500 guys and I'm the only one who hasn't gotten paid!! I've changed my direct deposit to another bank and once my money is cleared with Capital One, I will be withdrawing the funds, closing both my savings and checking accounts and canceling all credit cards I have with them!!

On June 22 I was notified of an incoming zelle transactions and just needed to click link, re-route to zelle who in turn re-routed me to my bank... Cap One. I log into cap one and receive an error message. Called cap one June 23 and was pushed around to multiple people and finally told that due to a change in carrier/new device on June 6, my device is not considered a "Trusted device" and had to wait 15 days for that to happen.

I tried to notify Capital One directly, but they didn’t want to hear it. I’m closing my accounts after 8 years. I’m astonished at the amount of needless advertising. Pop ups on every page of the mobile app. It’s shameful. Unable to opt out. I feel like my direct link to my money should be a safe space from predators trying to get me to spend more of my money…which they already are already making money on my money… So now you want even more… Greedy bastards. Now you’ll get none of my money. Also, completely obnoxious trying to deposit large checks. At one point, the nearest location was in Chicago. I found it quicker and easier to open an account with a competitor and transfer the funds. Not so convenient checking.

I am so fed up with Capital One credit card, we used it for our business, then we paid the balance off and closed the account. After we closed the account, we had originally set up automatic payments of $500. After closing account, zero balance, they automatically took $500 out. Trying to get it back was a pain, it could take up to 2 business billing statements to get it back, OUR MONEY! I talked to a manager and got a check within a week or 2. Before cashing I noticed they credited our account for $500? Now I got a bill for 502.32 for check of which we did not cash, plus they are charging me interest. Called them, they will credit account, but could take up to 2 business cycles! In the meantime, I'm having to make min. payment and charged interest. It's only a couple buck, but it's the principle. Talked to manager, couldn't erase it!!! PLEASE DON'T USE THEIR CREDIT CARDS!!!! I WILL REPORT TO BETTER BUSINESS BUREAU.

I was a random victim of a fraud targeting quota administered by Capital One Savor fraud department in India.. This fraud department created an event when there was no fraud or dubious charges on my account... They blame it on their computer system which makes decisions for them.. My card was suspended after I submitted my license information and facial photo to their fraud department. I have to wait 1 to 10 business days for someone to get back to me. There was no fraud that initiated this and I was able to easily confirm my identity with several agents. I feel that with this fact that Capital One fraud department in India has quotas that they have to meet. In order to meet these quotas they have to manufacture fraud events which is the case with me..

WARNING!.. If you can afford to payoff transfer balance ASAP do it now!.. Capital One scheme rip offs. Whatever your score below 650 intent to keep under. Never to go up!.. Others get extra credit limits. Score above 699 most often who really don't need.. Capital One design scam. Charge high rates. Find some other finance services... Main targets anyone. Capital obtain gets ripped off.. Capital One you suck. I pray your business disappears. I wish those hack every service collapse ruins to its entirety. It's fully corrupted shady business.. Most of the employees habitual liars. Can't trust.. All greed. Nothing in writing. Related services just trapped into foolishness.. Top 5 crime operation worldwide. Capital One stay away from here! The most crooked terrorist and vicious known.

My SSN was used to apply for a credit card. I contacted Capital One to submit a fraud report and the rep wouldn't transfer me to the fraud department. When I said "So from this conversation, I gather your company does not take fraud seriously", the rep replied "That is correct." I could only laugh. I will definitely never use this company in the future.

If I could give Capital One zero stars, I would. Capital One has been one of the most frustrating financial institutions I've ever dealt with. Their customer service has been anything but helpful, and I never felt like they genuinely supported me as a customer. If your payment is due on a certain date, don't assume paying later that evening will save you.

During my time with Capital One bank they were great. But During my bank issues they closed my accounts. Without reaching out and asking for the issue. I will never use this bank.

I purchased FIFA tickets through my Capital One rewards. I paid 440,000 points for what I thought were $2400 face value tickets (advertised by Capital one). I was just issued nose bleed, $220 face value. Called capital one. They basically told me to eat a d**k. Weak

Horrible Booked hotel. Hotel said fully refundable til day before reservation. Cap 1 travel charged me $2400. Tropical storm expected so in advance tried to cancel. Cap 1 won't refund my $$ even though hotel confirmation said it's refundable. Now fighting between both Hilton Pensacola and Cap 1 to get my money or my reservation back. Knew better than to use third site, but didn't trust my gut.

My account with Capital One has been just about bad. I knew they were bad going into this but it is what it is. A payment was made to pay off the card and instead of notifying me that they thought it was fraudulent. They left me sitting around and waiting for it to go through. Now they say it’s fraudulent. A payment as fraudulent.

When I went through a hard time Capital One was very kind and worked with me and eventually I got back on track. The only complaint I have is I wish there was a faster way to pay them what I owe them. The ACH draft is slow and it scares me that a surprise might come to take the money out of my account before the ACH is deducted.

Capital One is a rip-off. I use the 12-month transfer of balance and what they do is you will never be able to pay it off while you make any purchases. Now I have to pay off the entire balance before they apply any of the money of the account that I transferred when I make additional payments on the account. I make my monthly payment then I make an additional payment to apply to the transfer account and they will not apply it until after you pay the entire balance off that you have already with them.

I have received the email offer from Capital shopping that if I bought a ticket and paid 330 dollars at Turkish Airlines I would have got $100 back, I bought a ticket and paid $1066 and they have not given me anything and now calling they keep saying that it can be sent in 90 days, 30 days are gone and I have to wait for 60 days and I am obliged to use their card…Moreover they are not sure whether I can redeem that amount or I can only spend those awards only if I buy something through capital shopping… This is so misleading and unethical, this information was not anywhere in the mail, only one sentence and now they give me their conditions and I am not sure whether I get any cash back…while I could have paid ticket price from another credit card and got higher cash back

I had a Capital One credit card that I paid off in full two months ago and customer service said it's paid in full and closed. I would not have to pay anything else. They sent me a bill on the 5th for 4.53 for interest they forgot to put on the bill and now I have to pay that and 3 days late fees cause they made a mistake and I was unaware of a bill but they want me to pay for their mistakes. Capital One is a horrible company and they don't care about customers. They just want to screw people over for a few dollars. Do not get a Capital One credit card. It's the worse. I've read other reviews and it's not the first time they want you to pay for their mistakes.

I already have their credit card and they still send me emails 10 times a day. They refuse to let me block or unsubscribe. A real pain.

Capital One implemented Artificial Intelligence for customer service support. It is the 2nd barrier/interaction a customer takes, after automated voice system. Then, after wasting time and repeating oneself constantly with no progress, finally the customer will be/should be directed to speak to another “department/associate to be better assisted” who is, in fact, a real human. Finally. The only way to solve real/complex/ambiguous issues and concerns.

As a long-standing customer, I have recently experienced a significant level of disappointment. The recent changes to the debit cards have resulted in payment issues at several establishments, leading to considerable embarrassment. Consequently, I have decided to transition my banking services to Bank of America.

You make a payment online, your bank transfers the funds to Capital One and it takes up to 1 week before they reflect the funds against your account. If you contact them, they only give you the run around. Saying although "We can help you", they never do. Corporate banking bull to the highest degree. Most credit card companies process the online transaction in less than one day. Capital One holds your funds for up to a week. This allows them to invest your money using overnight loans and earning lots of interest. Talk about a massive scam.

I made a double payment by accident. I contacted Capital One the day that I noticed the mistake and called them. The first rep told me to call back after the payment has been processed from my bank. I called the next day after it had been processed, the first rep put me on hold for 40 minutes, I wasted my work lunch time as he didn't come back to the line. I called back, this time the rep offered a refund by mailing me a check that would take up to 10 days, I asked to speak with a supervisor only to be told the same thing. Their customer service is terrible, my time was wasted as no solution was offered as I told them that extra payment was meant for a different bill and I need it that money back in my account sooner; it did not make a difference.

I had a run-in with a BJ's employee when using my Capital One credit card, whereby she was not at all helpful in assessing why it would not work. I know she is not a Capital One employee, but it was the attitude that said it all and had had enough with the credit cards being an issue. I called and told Capital One my card was not working and they couldn't have cared less until I told them to cancel the card. They tried to get me to keep it but nope cancelled it. Now, with no bills and no notes to me, they are assessing late fees and more and more interest. Also note that I have tried numerous times to make payment and system was down, so I forgot. Would have been late as I pay on the due date and not before. Now they have Discover. Unless they refund me, I will be cancelling that card too.

PLEASE STAY AWAY FROM THEM!!! A missed payment will end you up in collection, they do not work with you. Legal robbery!!

Capital One Travel prioritizes policy over actual customer service. I booked through their travel portal expecting support if issues came up, but instead experienced endless transfers, scripted responses, and zero ownership from anyone involved. Even after the hotel itself approved a goodwill accommodation and was willing to move the reservation, Capital One Travel continued hiding behind process and third-party policies instead of helping solve the problem.

Very difficult to resolve issues with customer service by phone due to language barrier. This occurs very frequently.

Capital one caused a 16 point decrease on my credit report which is a direct result of their incompetent reporting on my line of credit. They reported my line of credit as 1290.00 when it IS 15,000.00, this is a huge and unacceptable mistake. This type of mistake, they should be able to correct it immediately, INSTEAD they gave me the run around, wasted 2 hours of my time, and insisted I do their work. CAPITAL ONE has all my information and should have the ability to correct it, they are not paying me hourly to correct THEIR mistake. I have closed all cards with them and will NEVER deal with them again in the future. I need to bill them for my time wasted and stolen from my family due to their HUGE mistake. I HAVE excellent credit for a reason, one being I do not tolerate INCOMPETENCE from a company like capital one.

I had initiated the CD option to close the account at maturity and have it transferred into my savings account. I received an email confirmation of that status one month prior to the maturity. However, on the maturity date, the CD did not close and instead rolled over into a 14-month period. Because it was within the 10-day grace period, I was able to manually close the account and transfer the funds into my savings account. You cannot write Capital One to inquire so I had to call their Customer Service. The agent put me on hold to research what may have happened and told me that it would require further research. But she also said that I would not receive anything in writing and therefore would never know the results of their research.

Capital One is the worst card I have ever had. The customer service does not know what they are doing, it takes 30 minutes to try to explain something, and they don't get it and then if you think they do they still mess it up or just don't do it. I am a Retired United States Air Force Disable Veteran and They made me prove I was a citizen when I was born here. I had to show my social security card and where I lived. I was insulted!!!! I WILL be paying it off soon and it is GONE!!! I am sorry I ever got it. Good luck to all who want it.

Not only are they one of the highest interest credit cards but their customer service is terrible. They said I made a payment on the closing date of the previous billing cycle and they posted it to the previous cycle knowing I had already made a payment so now I have to make another payment in the current cycle!!!! Not cool!!!! Customer service offered nothing. They said SOL basically there was nothing they could do. I find that hard to believe in this day and time. I know better. No I would never recommend them. I spoke with three different customer service reps. All said the same thing and I filed a report with their complaints email but never heard a word. I have been advised to file reports with three different agencies and I am going to. Senior on fixed income