Capital One Reviews

Capital One is a fraud company that does not respect its clients. Their customer service is exceptionally poor, with incompetent staff who are unable to properly address issues. Whenever a concern is raised, they claim that their “back team” handles it, yet it’s impossible to get in touch with anyone from that team. After over 10 years with Capital One, I will be permanently closing all my accounts and have no intention of doing business with them in the future. It’s disappointing, because their customer service used to be very good. If this continues, I do foresee the company declining. Customers should seriously consider this before applying. Good luck.

Very good card until you're a victim of fraud. A company called Carsilk scammed us out of $176. Even though I sent copies of multiple email proof (2 of them claiming Carsilk's admission), Cap One wouldn't deliver on their fraud protection claim.

The customer service is very very horrible, they are very nonchalant and crooks. You have to wait 90 days just for your own money back. Nobody helps you and they don’t care! They stink and talk to you bad. I ask that everything be written via email for my documentation. They just want to verbally say things and everyone says something different each time.

I called Capital One and asked to pay my Kohl’s card off in full, which they allowed me to do but then received the bill for interest a month later after closing the card. They sent me no bill, no statement, no nothing because the card was closed and then continue to put late fees on that final interest payment and refused to remove it because the card was closed. How would I know that I owe a bill on the card if nothing was sent to me? I will never have a Capital One card again for the rest of my life.

Capital One customer service is useless! I was trying to Zelle money to an online legal company. I was a little skeptical at first but everything I could find said that the company was legit. The only issue was that for the court fees they needed payment either with Zelle or a money order through the mail (which takes longer). I tried the Zelle method to save time but it was flagged by Capital One's fraud alert. I called Capital One customer service and they told me that they couldn't tell me WHY it was flagged but they told me that THEY KNEW WHY. They just couldn't tell me!?!? Apparently it was a secret that they were not allowed to tell me. AWESOME! I was told wait 24 hrs and try it again. No luck, still didn't work.

I'm giving Capital One a 1 because they are one of the largest banks in the world and they have no program for people who are having a hard time. People need to know this before accepting an account with them. You never know what will happen. And we are definitely living in hard times. I've paid them off twice and after this time I will try something under comedian or Synchrony but never another account with them. These other banks do have that.

I’m frustrated, and being honest, they delay my payments and charge me late fees when I have bills to pay because I need my money available. They question legitimate part-time work income, block transfers, and claim I can’t receive money unless it’s payroll. They hold and delay even Zelle transfers, even when it’s from people I know.

The Customer Service makes me disregard most positive features they offer. They will leave you sitting on an automated call rolling an ad, then when you finish navigating their menus, they promptly hang up on you. The website also suffers from being down and unable to process payments, further adding to the frustration.

This company took a chance on me and I love it. Thank you Capital one bank.

Had a Capital one card that I used for years and always paid early then I got the Capital one Savor card and treated that card the same way. Always paid early. i have two bank accounts that I pay out of and made a mistake and scheduled a payment out of the wrong account so I canceled it and rescheduled it in the correct account. I later went to make another payment and was told my card was restricted and that Capital One needed to speak to my bank to verify I owned it. Every account is under my name and I have been making payments out of that account for over a year. The representative spoke broken English and was hard to understand at times had to make her repeat herself multiple times. I closed both accounts. Thanks for the bull&%!$, Capital One.

This company is straight up a scam. They took 500 from me, will not send me a card. I’ve waited a month and a half now, and still nothing, runs my CHECK BIH!

Capital One has to be the worst credit card company around. They will steal your money. They refused to refund the $95 annual credit card fee. I contacted Capital One 19 days before my annual fee was due but two people said no. It didn't matter if I downgraded the card or cancelled the card. Capital One makes people pay a $95 fee for a card they do not have. The Attorney General should investigate them for unfair business practices.

I initiated a transfer to an outside bank that never went through, and I received no alert — no text, email, or call — which caused me to incur late fees on loan payments. Previously, several fraudulent charges were allowed on my account in another state, again without any notifications. I switched to Capital One expecting better service and security; instead I’ve had repeated failures and poor communication. I regret the move and will be returning to my previous bank.

Capital One has a security issue! I was notified that fraudulent activity may be taking place with my card--excellent notification process; however, on the day I received, via the USPS, my replacement card I was notified my new card had fraudulent activity. What? How can a card that is sitting in an envelope, unopened, inactive, have fraudulent activity? This tells me that the security measures Capital One has in place are flawed. BIG TIME FLAWED. They are unable to keep cards secure BEFORE they are even used, so they issues is with their security integrity. An apology for the "inconvenience" is not enough. By Capital One. I do not trust your choices, and your processes that are to keep my identity and financial activities safe.

Had an issue verifying an external account for wire transfer purposes. Kept receiving an error message. Tried to get assistance and was never able to connect to a human. Their automated system and chat bots were unable to assist (knew that from the start - but could not get a representative ever. I tried for 45 minutes. Transferred my entire balance to another account that was already set up.

Did you know, Discover owns Capital One?!?! Did you know they will close your account if you miss a payment due to one digit being off on your bank info? I was 18 or 19 when I first signed up for Capital One, it's the HARDEST credit card lender I have with the LOWEST balance. Where others have given me 10k+ in credit Capital wouldn't even budge past $3,500. AFTER 8+ years of service with them and ONE missed payment they closed my account. I was making a $2,300 payment and forgot to add one digit to my info and they CLOSED my account with out ANY NOTICE! I WOULD NOT, WOULD NOT, RECOMMEND THIS COMPANY!

Never had a problem with any company until I got a defective scooter thru Amazon. I had started a dispute sent the messsges back and forth, pictures and a video of said damaged scooter and a letter from Amazon confirming refund. What I didn’t see was a follow up email asking for proof I bought the scooter. What? So the charge on the credit card wasn’t proof enough and since I didn’t see fix email they closed my account entirely which apparently voided the dispute I was in the middle of. How unprofessional and insincere that I had provided all of the info and no follow up letter through the mail except they closed my account.. What is wrong w/ this picture?

I sent in a payment for $75.00 and my statement says that they charged me 72.27% in interest. So I called and they said that they charge me for the whole balance of my statement. Not my payment like most cards do. And they keep raising my payment amount constantly. And I have a very high fico score.

I purchased my first car with Capital One back in 2019. Since then, I have purchased 3 additional vehicles. Only had one late payment when Covid19 pandemic hit the economy. Since then, every payment has been on time and credit score is even better. At one time I had 3 car notes totaling $2,094 a month. One car is paid off and the other got into accident and was paid off through the insurance company.

Marsi and MJ or MG and Nina suck. They sound like mean girls and just are combative and rude. It was draining and exhausting to work with them. No one cares. No one helps. They just wasted my time. And they are also women and consumers.

After opening my credit card and attempting to set up autopay on the Capital One website, a random bank account number (not the one I entered in the AutoPay tool) somehow appeared in AutoPay as the account from which my payments to Capital One should be drawn. Naturally, payments from that account failed (given it was not my my bank account number and probably not even a bank account number at all). I quickly noticed the issue and updated AutoPay with my actual bank account number and made payment; however, Capital One locked my account and insisted I provide an account statement for the incorrect bank account number.

I called Capital One about a duplicate payment charged to my account and received no real help. I was told it could take 10–45 days just to investigate, which is unreasonable for a clear double charge. Very disappointing experience. I spoke with Andre (ID#**).

As you ignored my request from merchant for a refund, they ignored my request to return, blocked me from contacting them and my all the evidence I sent to you at Capital One, you just found it easier to ignored it. I will be using your card a lot less as a credit card service, moving things around and eliminating what for years I felt was a good service and yes, I know you don't really care. But, as my grandson puts it, your service really sucks!

Our three business partners made separate initial deposits to fund our new venture. Capital One placed a hold on the account to investigate one partner’s deposit. While we understand and respect the need for due diligence, what is unacceptable is the complete lack of communication surrounding this action. We received no call, no notification, and no explanation regarding the investigation. We have contacted Capital One multiple times, yet we have been unable to reach anyone who can resolve the issue or provide a clear update. As a result, our business has been severely impacted. We were scheduled to release funds for a critical project, and this unexpected and unexplained delay has jeopardized that plan.

I have Capital One for 2 account for years. In the first time I had a problem they closed my account for payment. Then I was call back to restated my account. So I did, not this year it happen again, always making payment and I had a problem with my bank, so I arrange to schedule a payment. They accept. So I went to used my card, they denied. I call capital one and they told me they automatically close on both accounts. For late payment and the bank problem. This is not the first time it happen to me from capital One.

I got my card in the mail on 3/20. The website and the mobile app kept locking me out or would not let me create an account. I called the first lady did not listen & I requested her sup who did not listen & transferred me to a lady who did not listen who then hung up on me for no reason all because she talked so fast & kept over talking me & cutting me off & wouldn't let me explain. I called back and got yet another lady who would not let me speak who acted like I was bothering her & uninterested in doing the job she is paid to do. SO, I canceled my brand new card before I even got a chance to use it. Do better Capital one.

I have had savings and checking accounts with Capital One. Never a problem. Applied for credit card and it was approved and received. Trying to activate it was a nightmare. It was restricted and when I called they needed a selfie and photo ID. I didn't have the patience to do all that since they already have all my info on file. Supervisor was nicer than foreign customer rep but no luck. I said to cancel it and they said they couldn't do that unless it was activated. I gave up and threw it out. Not a fan.

I had two accounts with Capital One and notified them when I moved overseas, and they said it would be no problem. The moment I moved, the problem began. Despite giving them my address in Europe TEN TIMES!! They never added it to either account. My cards would get randomly declined and when I tried to read them to my Apple Wallet, I would get a notification I needed to confirm my card and the confirmation process never worked once. The best bet if you need a credit card in the States and overseas is the Apple Card, run by Goldman. Capital One is hot garbage. Stay away.

Watch out for Capital One charging you a member fee before the anniversary date. I opened my account on March 29, 2025 and when I logged in to close the account today March 20, they already charged the member fee for another year since March 14, 2026 (more than 2 weeks before anniversary date). I called customer service and they couldn't do anything about it. I don't know if anyone else has encountered this issue, but this should be reported.

I called customer service and ask a question about the interest rate because it want going down. The balance was $23 hundred and I paid $871 and it only went down 17cent so I called, talked to 3 different people and no answers. It was draining and confusing. The math makes no sense and to get no answers can I call the attorney general isn’t their laws? They talked around the question instead of going to check if there was a glitch in the system which happens and then you end up with a class action lawsuit.

I was an excellent customer of Capital One Cabela’s card. I had a Silver card and got downgraded graded because I didn’t spend enough. I went from 3% cash back to 1% cash back. Nope you lost a customer for good!!!

Very liars and deceiving and keep messing with your credit score every month...and very rude customers service and horrible management... Five years having credit card with them and they never consider to increase my limit...or lower my interest rate

Terrible customer service and problems with their communication as if they don’t try to handle the problems at all. The interest rates are unreal and you make payment and you are only paying the interest and you're on auto pay. Customer service is ridiculous!.

I was quite happy with Capital One until I made two payments on the same card on the same day. I decided to pay the balance after making a payment. I got a note that I could not do that. I assumed Capital would not debit my bank account but they did without adjusting my card balance. Since July, I have contacted customer service countless times. A month later, I asked for a check. They sent it, tacked the same amount onto my balance! I got that even though it was over my credit limit. Until January they claimed it was my mistake. Then, I asked my account to print everything out, called them, and was told by two reps they could see their error but I was past the six-month grace period for solving the problem. There are quite a few customers that have complained about the practice. It’s theft, and I will work to get it settled until it is settled.

The system is rigged at Capital One. I had a credit card payment that didn't go through because of insufficient funds, so I got a notice the payment was late. They charged me a fee for this. Then, I made a payment which was the minimum due on a Friday, through the app. By Monday morning I was still getting "late" notices and the payment still said "processing" on the app. I tried using their AI but it did not help.

I really didn’t want to make a review about Capital One credit card but I feel they lied to get me to get a credit card. Number 1 it was only supposed to be to check your approval process and let you know if you’re able to get the credit card but they didn’t give me the option of agreeing or not because they already ran my credit so I was obligated to get it and then they say automatic credit increase but that’s not true. They want to run your credit again. Now if Visa can approve me for 10,000 dollar limit why Capital One only offered me a 500 dollar limit with a 100 dollar increase? I pay the full balance each month and pay early. You would think they see my ability to pay. So I’m not using it at all until they raise my credit limit to at least 5000 because at five hundred dollars as soon as you spend anything more than the 30 percent your credit will take a hit so I’ll just continue to use my Visa until Capital One does better.

In my opinion, this company has the worst customer service and inexperienced agents I have ever seen! There are many credit card companies and banks out there that are superior to Capital One! After three months of trying to close a credit card account, calling several times for pay off balances, paid in full balances to my knowledge and agents, and paying interest charges that were their fault for not explaining.

They are tricky people to fill out an application that suppose to be a soft to no pull but I found out they pulled from all 3 credit reports. That dropped my score and didn't give the card as promised. I told them I might have got scammed. They told me to go work it out with the reporting agency and they couldn't help me and I was stuck with all 4 inquiries for the next year hurting my credit score and it's all for nothing ....Thanks Capital One!!!!

Capital One is not a good place to use as a bank for family people. I open an account with Capital One I used the phone deposit. After depositing the check, it said 5 business days hold, but it said it would put some of the money in the account and later place the remaining over time. The next day, it said it will have to hold the check longer. Because it looked like fraud. Mind you, the check was from a large bank as well known, and it only takes 3 to 5 days for check to clear. Capital One is lazy, sorry and no good. Customer Service sucks. Never put your money in this bank if you need it faster than 15 to 20 days cause they will hold your check for a long time after this happen, I removed my money from Capital One. Commercial that says what’s in your wallet. I say if you're banking with Capital One, zero is in my wallet, stay away from this bank. I can imagine what a credit card would be like.

Beware of Capital One 360 bill pay service when your payee is mailed paper checks. Capital One's process is to create the check and send it to the payee by USPS. At the time the check is created, Capital One withdraws the check amount from your account -- not when the check is cashed by the payee. In the unfortunate event of the payee not receiving payment, Capital One does not try to resend payment and they consider this transaction closed. Their process is for the customer to 'dispute' the payment and Capital One will investigate the issue which takes up to 10-45 business days to restore the funds (if they decide to). They do not use tracking on this payment, so no one really knows what the issue was (Cap One or USPS).

Have a checking account and trying to close it since they merged with discover and most places worldwide do not take discover. Trying to move my money to another bank and they are blocking it claiming banks are prepaid when they are ones like Chase, Charles Schwab, etc. They are trying to keep our money. They do not even use trust site to verify ownership of the other account and use their people to make people's lives harder. Lock our accounts for little things, etc and want to know personal information unrelated to the money but why we use the card in other countries. With them hiring out of the US for cheap labor, I feel that might be why they have scams and theft of our finances.

Very high interest rates and small print terms that will trap you when you’re trying to close an account. This whole experience reminds me of predatory lending issues. Never again if they were the last card on earth.

Capital One’s wire process is not workable for anyone with a demanding job. My wire was canceled simply because I could not get to the phone while I was working. If I cannot complete business with them unless I am free during banking hours, then I cannot do business through them. For a bank, that is a serious operational failure.

Drawn to Capital One for their Performance Savings rates. Absolutely regret switching to capital one. Opened a business account, can’t get checks deposited every check gets flagged and put on a 2 week hold. Open up a Bank of America business, checks processed within 24 hours. Requested a vehicle loan payoff statement for 28 days, denied by customer service and management that they only do 10 day payoff letters. Charge $400 to card and get flagged as potential fraud. Wife’s swiped card connected to same account and it processes, have to call bank to unlock my card and let them know it’s not fraud…. It’s problem after problem every week. Completely regret being associated with this bank and cannot wait to switch.

Service continues to go down for Capital One for us. They continue to close branches, we now have no branches anywhere near us AND now our biggest issue, when they acquired Discover they moved their debit card service from MC to Discover which MANY, MANY vendors DO NOT ACCEPT. We will be changing banks very shortly.

They sent me a message that I was pre-approved, and then when I applied they did a hard credit check without my consent or approval, they damaged my credit score and ruined my chances of getting a house for two more years, and then they denied me for a line of credit and then they said that they can't do anything but it will come off in two years or i can try writing some letters and stuff, snakes shady unscrupulous criminals who broke the law and then they didn't even give me a credit card, don't do business with these criminals or it can happen to you.

I’ve been a loyal Capital One customer for over 15 years. For a decade and a half, I did everything the right way—paid my bills on time, never missed payments, and paid thousands of dollars in interest along the way. I believed loyalty mattered. I believed that if I ever hit a hard season in life, the company I had supported for so many years would show a little understanding in return. Last January, my life took a turn I never expected. I lost my job. Instead of giving up, I tried to rebuild. I started a business, hoping to create something better for my future. Unfortunately, I trusted the wrong business partner, and that decision cost me my life savings.

I have had a very disappointing experience with Capital One. On January 13, 2026, I called customer service to pay my full statement balance, including the interest charge, and requested that my account be closed. The representative confirmed the payment and the account closure. However, two months later I received another statement that included additional interest and a late fee. I have never made a late payment in the past 10 years with Capital One, so this was very concerning.

Account with good payment history, missed payment by one day and they won't waive a 25$ late fee even as a one time courtesy. Even asked to speak to a supervisor and they claimed it's some automated bs system now. What happened to common decency?

So far l have no problem with this card except for customer service I called today because my bank sent me a notification that someone opened up a card in my name and told me to contact Capital One so I called Capital One, spoke to a woman, told her what the problem was and she said, "Oh let me connect you to that department." She put me on hold for 10 minutes and then a recording came on and said we are not opened up only on weekdays. Because she didn’t feel like doing her job. Poor customer service.

The worst ordeal. Representative did not understand, sent to supervisor, she wasn’t any help. Sent to dispute, he did not speak clear English, kept wanting to make it a dispute when I told him I was not disputing the sale, I was wanting them to take off the interest that was charged to my account since February since I had sent proof the merchandise was received and signed for by the merchant on February 12, 2025, said I had to pay the interest even though I had returned the merchandise and after going back and forth with Walmart and Capital One was finally credited for the merchandise but not the interest

Every year they change my tier on my Capital One credit card. I can’t use my card until they send me a new one. It caused me to have to transfer money. I can’t use my card till I get a new one. I called him into the customer service center to see what was going on. They said because I spent less money this year that I was being dropped a tier and I had to wait till I got the new card. On top of that, I had a savings account with them. And I deposited money into the savings account and had to wait an entire week till I could access that money. This company is a joke when it comes to financials. I will be discontinuing all my accounts and never use Capital One ever again. Unfortunately, it won’t let me rate 0!!!

Had a pretty bad experience with customer service from being back and forth for 2 weeks and they still couldn't resolve the issue, people are promising things and cannot fulfill them and at the end you are at fault.

Capital One and Discover unified to form the absolute worst corporation in governance, and have the lowest ethical standards, no integrity, a business model that is void of those things we as Americans should always seek to tell those who do not know, just how predatory they are, how they seek to take advantage of. The most embarrassing, corrupt, and example of everything any company should never want to be,

Their customer service makes their, what I thought was reputable business, seem like a joke. I'm having second thoughts because how could a well known business like Capital One have a customer service crew so crude and unpersonal. Hopefully they smarten up and realize you can't run a successful business with garbage customer service.

Capital One placed a 10 day fraudulent hold on an account while trying to pay a large balance off. The payment was made from an unknown account to Capital One so they placed a fraud hold. After repeated calls, submitting a full bank statement showing account ownership, they wouldn't remove the hold. This all just before taking a vacation which would have occurred travel points. Talk about fraud, who is investigating Capital one.

After 13 years of maintaining a perfect payment history, Capital One rewarded my loyalty by slashing my credit limit from $11,500 down to $5,000. They are essentially penalizing a long-term, responsible customer simply because I don’t carry enough debt to satisfy their algorithms. When I called to address this, the experience was a total waste of time. Both the support staff and management offered nothing but scripted, robotic answers and refused to perform a manual review of my account. They showed zero interest in keeping my business or acknowledging over a decade of reliability. Since they’ve made it clear they don’t value my history, they’ve lost my future business. I’ll be leaving this account at a near-zero balance just to protect my credit age, but I will no longer be using this as a primary card. If you want a bank that treats you like a human being instead of a line in a spreadsheet, look elsewhere.

I've had Capital One for couple years and I've had nothing but issues with them. They've had to send me 4 cards in that short time because of "problems on their end". I found a way to stop the problems. CANCEL! I already feel better about my future.

My Capital One Quicksilver card is grayish/ silver and most of the numbers and letters are micro - printed in white reverse type, offering no contrast to the background. Why do you not use a larger typeface that is darker so that I can read expiry dates, CSC numbers and telephone numbers for customer service? Wake up, Capital One!

Absolutely the worst experience I've ever had with a credit company. Literally got a credit card in January and I had to close it in February. Because of fraud restrictions caused by me making payments from 2 different checking accounts. After multiple (11) times of trying to confirm that I own the banking accounts making payments to the card balance, they still refused to lift restrictions. What makes it worse is that I have other Capital One cards. And those cards are paid through the same 2 bank accounts. Even my business has their Spark Cards and all of my employees. Amex, here we come.

My mother passed away a few months ago. I received a statement showing she has a negative balance. I called to find out how to get a check sent to her estate for the negative balance. The agent, even though I told him she passed away, told me THREE times that I have to contact her and have her authorize my access to her account. Again, fourth time, I clearly and concisely told him - a bit more blunt - this time. SHE IS DEAD!!!! He still did not understand, and insisted I get her on the phone to ask for a refund check. I told him he was an idiot and slammed down the phone. He was obviously from a foreign country, but seriously, when does deceased, passed away and dead NOT mean that the person is no longer living? I am SOOO happy I do NOT have a Capital One card.

For five months I have been in a dispute with you over a double billing with Cratejoy. I have sent two copies of the information/documentation that I have which has been in the form of emails. In my last conversation with a supervisor he stated that I had not contributed enough documentation. I then stated that I would pay the disputed amount, but I did not want to pay the month's interest. He said I had to pay by law. I have had the credit card for over 10 years, never been late, and have paid in full every month, and this is how I am treated. Well, I paid your damn fees and the double billing. I will never do business with Capital One again, and I will encourage everyone I know to do the same. I also plan to file a complaint with the Better Business Bureau.

If I could give this company ZERO stars I would. My information got hacked due to their online app and so now I have to pay everything by mail instead of online with them. I asked that everything be mailed to me and they are refusing to send me my credit card bill in the mail because I closed the account. Now they are sending me to collections but still refusing to send me the bill. This place is stealing and robbing from every customer and they need to be stopped. They will not ever get paid until they simply mail me the bill. Absolute chaos at this disgusting excuse of an establishment. DO NOT CHOOSE CAPITAL ONE FOR ANY FINANCE NEEDS.

Horrible customer service. I closed my account and was told 3 weeks later that I owed interest! When I called and said that I closed my account and it was at 0. They told me some crazy story about not paying the full amount in Dec which didn’t make any sense as I have always paid on time! I would never use them again and Customer was nasty too! There are plenty of other banks!!

Absolutely the WORST Customer Service, Interest Rates, and Reliability. Do NOT EVER apply for a Capital One Credit card, you will regret it from day one. They have NO understanding with regard to what damage they can do to a person's Credit Score and offer no apologies or compensation for mistakes that their foreign agents make. The WORST of the WORST.

I received my credit card with all the correct information matching what I put on my application but my online information had my last name misspelled. Initially gaslighted, I was told it was due to me imputing my personal incorrectly, yet I challenged that accusation by proof of my physical card having my name spelled correctly, so clearly clerical ineptitude was on their end when setting up my online access. In order to correct this I, me, was required to send in documentation of my identity thru either fax or mail. –No one could explain to me why I was required to do further work for their clear internal error, putting my identity at potentially further risk as well.

Credit cards often send out invitations to people at addresses where they have previously lived because they have no record of current residential addresses. This alone makes me insane! Capital One issued a credit card to an address where I did not reside. The card had been used up to $4,000. When I tried to call and give appropriate information for my identification, they refused to change or acknowledge any of it. I am an international traveler and volunteer.

I was a CapitalOne customer for ~15 years. They were doing good job resolving problems and providing support, until recently. I opened dispute, providing support documentation and evidences (including Dubai Coast Guard police letter, which was not easy to get), indicating that service I purchased, a cruise, was not provided in full and according to what was advertised. 10-page supporting doc contained synopsis, pictures, screenshots, letters etc.

All I wanted to do was activate my credit card and I was unable to accomplish it. I used to be able to call an 800 number and activate my credit card and none of the customer service people helped me. I got passed around and around. They want you to upload your picture and all this other stuff.

The bank policies suck! All my and my mom's accounts were frozen after I was added as joint to one of my mom's accounts, after I already had been a joint on another. I resolved easily with a call and with ID picture, but now my elderly mother living overseas has to call in (after she was told to do online when we went to the branch), and her hearing aids do not work as her charger is lost. I currently do not have access to funds on the original joint account (which had way more money than the new account) and have to wait until she is able to call in or when I go visit her in 2 months and call in together. Terrible service, terrible transparency!

This company is known for bad customer service. You will never get the same answer from the customer service representatives. They hire a bunch of dim-witted persons to handle customers, which makes using Capital One a horrible experience. Stay away from them. I am sticking to AMERICAN EXPRESS.

So I was at work nursing when I checked my BOA account to see that my IRS refund hit my account so I did what all most people do pay out bills etc. I also had a plan to save/invest my refunds already had received my state 875 put it in my Capital 1 savings until I decided what I wanted to do with it, from the IRS received 3,862 knew what I was gonna do with that. So, I proceeded to get a CD from them with the 875 set it up and they pulled it immediately from my savings. I wanted to replace that money back from my IRS refund so I zelled from my BOA act to Cap 1 act...NOW CAP 1 PUT A HOLD ON IT FOR 2 DAYS TALKING ABOUT IT NEEDS TO BE REVIEWED!!!! I'm losing 2 days of interest by NOT being able to replace it back with the 10,000 that's already there... My problem is they quickly took the 875 to open the CD but won't quickly release my Zelle of 865 to put the money back into savings!!!

I have been a customer for over 15 years. Always considered this to be a great bank with no issues until recently. Closing off branches and now really only able to bank online so if you have issues you have to speak with an automated system or a rep. Account was restricted due to circumstances of my own due to economy and had an overdraft of about $139 for 30 days. Direct deposit went into the account covered the overdraft with a few thousand remaining. Couldn't get cash a the account was permanently closed (I had no knowledge off) so I had a second account ask for the funds to be transferred to my other account and card info transferred also. Cool no problem but funds wont be available for 3-4 business. WTF.

Applied for a Savor credit card. I only picked Capital One for their intro $200 cash bonus. I clicked the CORRECT link.. I called customer service today and apparently the link only works sometimes. It did not work for me. Extremely deceptive practice. I had many many other credit cards to choose from. I will be closing my credit card account. I do not want to bank with a lying company. Capital One, do better.

I have perfect credit, high spending limits with one of their cards and other cards and spend a lot on my Capital One card. I was sent pre-approval for the unlimited card, figured I would get it for my business, they deny it, and say get this card instead. Offer 50,000 miles if I spend $5,000 within the first 3 months. Card shows up 2.5 months later, I call in, to see if they counted the time I didn't have my card against the points perk. They did, I ask for an extension as I was going to spend the money, they say they will put in a case and let me know if its approved... No email, phone call, nothing, they approve it for 4 days while I'm on a trip, I call when I get back to see if it was approved to use the card and get the points, they say it was, but it expired yesterday and refuse to extend the promo for even another day. SCAM ARTISTS!!!! I'd look at other credit card companies!

The most unprofessional and disrespectful customer service that I've ever experienced with any other banking. I'm telling you it's the most worse banking.

Terrible!!! No stars I want to rate it. They do not care about their customers at all!!! They closed my account both credit cards QSsnd Plat because I had two returned payments in Jan and December BUT I have 100% payment history for 6 years since I had the card!!! They do not care about you as a customer, and the customer service is rude and phony. They are not at all personable! I’m tired of overseas help.

Horrible people and they jus take your money and tell you at the end your basically shouldn’t be a customer. They do Not help the customer Service at all!!! They keep you waiting forever and refuse to get you to a supervisor. I tried only card and it declined pushes. They wouldn’t tell me why at all. A simple answer to that and refused.

Ver bad customer experience. The customer service representative was very rude. I had to pay USD 40.00 late fee for USD 35.00 transactions and they were not ready to revert the late fee. Time to close the account.

I opened a Capital One 360 Savings/Credit Card account and less than one month later Capital One abruptly closed these account without providing any substantive explanation. When I requested clarification, I was informed only that the institution had decided it would “no longer” do business with me. No further details or justification were provided.

I can never speak with a supervisor in America, and since the representatives I am routed to are located in Panama City, it’s quite difficult to understand what they are saying. Additionally, recently, a representative canceled my debit card without asking my consent. In my experience, these representatives demonstrate a lack of respect, and have failed to provide 21st century services, instead of continuing with their 1626 mindset.

I applied and got accepted for the Capital One venture card. After six months, they froze my account and insisted I send them three months of unreacted bank statements. I refused, I have personal things they don’t need to see. They didn’t care, they kept my over 100,000 points and closed my account. I paid my bill in full every month and never gave them a reason to question my ability to pay. My credit score is over 800. I think they didn’t like I racked up over 100,000 points in less than six months.

Again with the poor service, called 3 weeks ago looking for my tax form which is due by the end of January. Could not download from the website so I demanded they mail it to me. Called today asking where it was and the manager said it had not been sent. She says it will be emailed to me within 24 hours, I have my sincere doubts about that. My CD's are about to mature and I will be going elsewhere with my money....

I have done all my banking through Capital One for years. I will be taking my business elsewhere. I never thought about how inconvenient it is to not have physical branches until I needed immediate help. I needed just a simple document stating about being an authorized user on my mom's account while trying to close on a mortgage. Capital One customer service not only gave me the runaround but continued to send me the wrong document for over a week. I was continuously told that I could not request documents as an authorized user, but when my mom would call, they told her that they could not send documents to her that were addressed in my name. See where the issue lies?

I can see why CapitalOne ratings are so low. I have tried several times to log into my account using the ID name and password I open this account with. Needless to say, I was not able to log in - after several tries. I tried asking for help by forwarding my last name, date of birth and SSN to no avail. I was told that I would get a six digit code, which I did but you have to leave site in order to retrieve code. After that you're not able to get back to page where the six digit code needs to be placed. Frustrating, frustrating...this is something that should be very simple! I'm done with CapitalOne App and card. I don't owe any money on card - that's a good thing.

I’m writing to say that this is a bad credit card company to use. I paid my account in full and they held my funds for four days. I do not think that is fair. I would not use this company for any banking services. 😡

Trash support. Don't know what happened - but they went to crap in a handbag. Had an account with them FOR YEARS. Suddenly 2026 they go Support AI like everyone else, refusing to work with you. Asking dumb-ass questions repeating themselves, like you're talking with a Bot instead of a human rep. Contact an attorney and BE DONE with them.

I am submitting this formal complaint against Capital One regarding their refusal to honor an approved settlement agreement and their stated intent to retain funds beyond the legally agreed amount. In preparation for a refinance, I contacted Capital One prior to my refinance company issuing payments to creditors to request a settlement offer on my account. At that time, Capital One refused to review or process my settlement request. Due to this refusal, my refinance company proceeded to issue a check for the full balance owed, totaling $5,325.82.

Discover went to Capital One and now my monthly minimum payment went up 100.00 even though I haven't used the card or increased my balance. That doesn't even go to the balance but just interest. So I will be paying more much longer. Don't do business with Capital One unless you have money to threw away.

Getting a Capital One credit card was the worst financial decision I’ve ever made. The interest rate is outrageous..., The customer service is unbelievably unhelpful, and half the time it feels like the reps have less common sense than a robot. It’s a trap with no real way out.

Absolutely horrible, I was a very happy Discover Business Card customer for years, then Capital One started the transition in mid Jan 2026, all of a sudden and I could not access my Discover account for 4 days. I finally was able to log in under the new Capital One CC account. However I still did not have the Capital One CC, just the last 4 numbers. The response was it takes 5-7 business days to get your card, please be patient... yada yada. Finally after 4-5 more calls they agreed to fedex me a replacement. I got it on Monday 2 Feb. Went to use it today 4 Feb, but it would not work.

I have gotten numerous letters from all of my Capital One accounts asking me to take the block off of my email. There is no block. I have called them many times about this asking for a test email. They never do it. I would prefer paperless statements, but for some reason I am no longer receiving them. Capital One has been NO help in resolving this. I have no other choice but to go back to paper mailed statements. Changing my preference right now. It has to be more expensive to mail my statements, but Capital One refuses to check on this issue.

I make my payments as soon as I'm notified every month and make pay extra, but every time I request an increase I'm denied. Even after making my payments and for the past few months on time Creditwise reported that I opened a new card which caused my score to down. From November to February I paid almost 1000.00 and still no increase in my score.

Honestly I like Capital One. But today is the first time I have ever had such a bad experience with them. Very disappointed. I requested to speak to a manager because I spoke to an agent that gave me the incorrect information. He said I didn't have to worry about the bank pulling funds out of my account. When I woke up the next day, the bank pulled the funds and I couldn't pay my bills. I requested to speak to a manager and got Ethan with employee ID: **. Ethan was beyond rude and yelling at me. When I requested to speak to someone else he said No. He will not be transferring my call to someone else and he said no one at Capital One can help me like I'm wasting their time. I was so disappointed with your employees today. Capital One, do better!!

I deposited a little over $4,000 and I still haven't received my debit card. I was told by 2 different managers to just keep waiting. They said it would take 5 days tops and after a week I'm having to get a replacement when I never got one to begin with. Now they're saying it's going to be expedited through FedEx, but the only way to track it is through their stupid app, not FedEx. Trash team, trash managers and they are making money lying to people. Everyone says something different. Don't waste your time people....they literally suck.

Terrible customer service. I was told by a manager the week of January 26th that I could change my due date on February 2nd and I called back several times and customer service will not let me do that. I was lied to. Also, there is no Escalations department or Customer Relations Department.

Had a Capital One business card for over 10 years and probably spent hundreds of thousands of dollars with their card. I had used them for auto payments to some of the vendors I dealt with. I stopped doing business with one vendor that I used and had not been charged by them on my card for 2 years. Suddenly I see a charge on my card from that vendor. I immediately called Capital One to dispute the charge only to be told I would have to deal with the vendor directly. The vendor refused to credit my account claiming I didn't call in a timely manner so I disputed the charge with Capital One. They declined my dispute and sided with the vendor so I refused to pay the charge. Capital one added finance charges and interest and reported my delinquency to the credit agencies, Not only did it lower my credit score from the 800's to 695, but also lowered my credit score with all other cards as well. Oh! did I mention that the original charge was $44.00.

If I could give it no stars I would. I made a payment of well over the minimum before the due date. I then paid off the entire card 4 days after the regular payment day and shut down the account. They charged me interest on the full amount that I paid off the following month. I, believing that I was done with that card had no idea that there were additional charges. I only got notified after they charged me a $40 late fee that they had charged me an entire Month's interest for the three days following the original due date. When called to straighten it out they told me that they could not help because I was no longer a customer.

I opened a business savings account with Capital One and the experience has been straight up terrible. From the start, the process was unnecessarily complicated, slow, and poorly communicated. Basic tasks that should be simple turned into time-consuming headaches. Customer service has been unhelpful and inconsistent, and getting clear answers feels nearly impossible. As a business owner, I need efficiency and reliability - Capital One has delivered neither. I would not recommend Capital One business accounts to anyone. There are far better options out there that actually respect your time and understand what business owners need.

This has been the worst experience that I have ever had with a bank. I deposit $50,000 for a high-yield savings account. (360 performance.) They hold my money for a month and now they’re telling me that the account has been blocked and has been closed without returning my money and without giving any explanation and without letting me know in advance. This has been the worst nightmare! I do not suggest it to anyone!

After a routine call to the company about the various features on its website, it's painfully clear the LOW caliber of the customer service reps (with whom we interacted) is concerning. Discover members-transitioning to Capital One-have good reason to shop other CCs. In the interest of fairness however, we'll give CapitalOne management a cycle or two to clean up its act.

28 percent interest and are not willing to take it down, never a late payment, to hell with Capital One. All they do is rip you off. Don't use their money, it will cost you a lot more. They don't care about you, just the money they are charging.

AVOID CAPITAL ONE!!!! If there is any advice from experience with this company I can give to someone looking for a good company/credit card - this is NOT the company to use. AVOID. Trust me.

I had been with Capital One for at least 15 years. Just credit cards. I never had any issues until September 2025. I was traveling for the month in Europe and Australia. A week and a half into my travels, as I had finished a late breakfast and tried to pay for the bus to the airport to catch another flight, the cards didn't work. When I checked the account, it was suspended. Luckily I always travel with cash and was able to pay for my bus fare to the airport and make my flight after finding a currency exchange. When I arrived in the next country I called, expecting the explanation to be suspicious transactions being reason that the cards were blocked because I had been traveling in multiple countries after all. But they just informed me that my account and all the cards were canceled and couldn't give me a reason why,

Capital One VentureX card is a waste of time and money. Approved and a $395 yearly fee. Used it for 1.5 months and went to upgrade at an airline counter (within the credit range) and was denied at the counter. Nice. I was told I needed 3 months of bank statements. Submitted the documents, then had to resubmit the documents again. Waited several weeks, called, and was told I needed a Social Security card, license, and a utility bill. Why approve for a substantial amount of credit, then pull that line when trying to use it? After 4 weeks of submitting and resubmitting the documents, I got tired of the hamster wheel of Capital One Venture X and cancelled the card. I'll gladly eat the $395 yearly fee, so I never have to deal with them again. Went to Amex and the process was about 5 minutes and hassle-free.

I see I have much company in negative reviews of Capital One. My elderly father was a victim of fraud yesterday. We called Capital One together to file a fraud report and the agent accepted my dad‘s permission to speak with me, which is always what occurs. But we could not complete the fraud report because my father was unable to receive a text. So we decided to call back and close the account and this next agent was a complete idiot. She wouldn’t accept his permission to speak with me, which is contrary to the case with anyone else, and in fact had been the case five minutes earlier with Capital One. I had to help him every step of the way, and we finally and painstakingly got the account closed while dealing with her incredible rudeness. My father is of sound mind, but has challenges dealing with these stupid people at Capital One. Fortunately, we will never do business with them again.

I’ve been with Capital One for years. The interest rates are ridiculous. I asked for one time after having a zero dollar balance and getting hit with the $29 interest fee for it to be waived and was told no. I would not recommend Capital One to anybody. They recently went with Citibank. Their interest rates are way better and their customer service as well. If you were thinking about applying for Capital One and their credit, DO NOT!!!

I trusted Capital One to protect my credit building experience. I moved my auto loan from GM to Capital One which has automatic withdrawal. Payment never late. I have a Venture capital one card never late. I have a Capital One Bass Pro card Never Late. I have a checking Account good standing. I have a Savings account good Standing. So I was using my credit cards to finance my work Schedule and making all payments. So I applied for an American Express Business Card for my Amazon online Business. Capital One Intentionally Dropped one of my cards down from 3000 to 1000 without any notice of action.

I had a bank account that got hacked. It was tied to my mother’s because I am her POA. That being said both accounts were closed. We had recently moved and I was told that Capital One Bank was great. I opened two accounts. One in my mother‘s name, one in my name. It took 10 days to get bank cards. As soon as I started using the bank cards they restricted the accounts, then closed them and are still holding the funds from both accounts alleging fraudulent activity. The only activity is the activity between the two accounts I have sent over IDs. I have sent over self pictures. I have sent over all of the information for security purposes.

Got a new job, and I guess since the Employer changed they've decided to hold my paycheck ransom as if I don't have bills to pay. On top of numerous other frustrations with them from getting a brand new debit card only for it to be charged by someone else the second it becomes active, I'm tired, so tired of these people treating as if I'm a criminal. Today I go open a new account with another bank, and will close this account the very second I pull every damn penny that belongs to ME out of it. I'll never use to recommend Capital None to anyone, not even my worst enemies.

Capital One has switched to Discover which no one is accepting for my major bills. I call the bank to see what options I have. I'm told.... You should switch banks to pay your bills.... so I want to share the advice from their own customer service representative. SWITCH BANKS.

Never never again will use them as third party to book travel. Even though they advertise all protection - airlines all say - for any changes - "You booked through third party. Talk to them." Well I did and Capital One travel agent could not do anything to help me and I ended up paying almost double the price of the airline ticket and if I would have booked directly for the same price or $15 more I would have saved $260. Meanwhile paid for my ticket with CO $360. Just ridiculous and totally not useful to book with them - PLUS THE AGENT COULD NOT GET A HOLD OF American Airlines agent to check for the problem and told me she would ah wto call me back due to high volume.

I have taken out several Cash advance on my Capital One card and each month I am being charged for taking a cash advance. The cash advance fee is higher than my interest rate and although I have not taken a cash advance fee in over a year I am still paying for the cash advances that I've taken every month by them charging me a fee. If you have Capital One do not cash advance on that card. They will keep charging you a cash advance fee which I feel is ridiculous.

I am so disappointed in Capital One. I really wanted it to be my to go card. That came to an end when I came to a financial hardship. I just needed a few weeks and I called ahead to let them know. A couple days later I had a late fee and was told after my cycle ends that they report it to the credit bureau. They do not help at all when it comes to hard times. I will be closing the account. Very disappointing. I hope this review helps other I wish I would of known sooner.

Capital One will throw their loyal customers under the bus and run over them. Whoever is managing Capital One should be fired immediately. We put a lot of purchases on our venture card and were recently declined a dispute with a merchant. The merchant charged us for a part and services that were not supplied. We submitted numerous documents over several months that proved well beyond a reasonable doubt that the merchant charged us for a part and services they clearly did not provide. Their dispute department continually turned us down. The merchant said they also took money from their account as well. I believe they kept the money themselves. We will be cancelling our card as soon as it is paid. We will NEVER do business with Capital One again. Shame on your company. They should be delisted and put out of business.

I applied for a Capital One credit card with a balance transfer. The information said I had to receive my card. I received it and called the same day. They said I was no longer eligible for the balance transfer because is expired. This is false advertisement. Please beware of the paperwork they send. It is not true.

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.

Lately y'all have made changes that have not been in the best interest of your customers. Changing you Debit Card system over to be supported by Discover was horrible. Not only did this cause your customer to change all their auto pay but lots of place will not accept it. Or offer cash back at groceries stores. And not paying people their payroll on a consistent basis despite the New Year falling the middle of week is unacceptable. No other financial institutions had this issue. When people are dependent on money on a specific date and you decide to change it without notice you cause panic, and leave your customers helpless. Someone needs to answer for not processing these funds. And having an excuse about interest rate for 2026 is a lie. Your customers need to come first not your pockets. Once you have no customer your pockets will become less and less full.

My Employer send my direct deposit early on the week so that I'll get it by Wednesday I usually do. But this week on the new year's eve day they decided not to give me early access to my pay. Because of supposedly tax crap. All my colleagues use other banks like cash app and chime and they was able to get early access to their pay. I don't understand but soon as my paycheck arrives I'm closing my Capital One account.

Remember that 425M Class action suit from last January? Oops they did it again! Guess what’s in their wallet? MY PAYCHECK and 5 days of interest on my money. YUP. Every State Federal county and municipal employee just got their direct deposit held hostage, along with all of my holiday plans cancelled. Hello AFL-CIO?? That’s right folks. Instead of celebrating a well deserved holiday — I get to spend the next two days with no food, no gas for my car in 15 degree winter weather and no food or meds for my 15 yo cat. No happy new year here! Guess what’s in my wallet — a big bag of NOTHING —so Capital One can make another 400M in five days of interest on stolen money. Everybody else with different banks got their money hours ago. Not if you are an unfortunate capital one customer!

So because it’s a new year and I get paid December 31, I have to wait for my paycheck to be put in my account from Capital One although my job already sent it to the bank so I basically I have to spend my New Year hungry or take out a loan because they won’t release my money. I am done with Capital One.

Horrible service and restrict you card for making too many payments. After years of using the same account you would think they would want you to pay them, then you have to speak to someone through their support center who you barely understand, if I could give them a half a star or no star I would.

There is something seriously wrong going on with Capital One. I have a $30.00 credit from a return purchase and then I made my monthly payment, creating the credit. Today I placed a online order with Target for about $40.00 for a Sherpa Blanket and some envelopes and tapes, the order was declined. Then, of course, I call Capital One customer service, spoke with AMY, a supervisor who called "FRAUD". Insisted I had to send a picture/photo ID. Amy sounded like she was about 14 years old. I have been a card holder for over 20+years with them.

I've had 2 Cap One credit cards for over a decade. Like clockwork, every single month, 5 days before I have to pay my bill, all of a sudden there was a "security threat" and they locked my account. They deliberately did this to make it harder for me to try to pay my bill online (which is how you pay nowadays). It would be one thing if I randomly got a "security threat" on a random day, but EVERY SINGLE MONTH my account got locked out 3 days before I had to pay it. Like clockwork. These monsters know what they're doing, they're trying to screw you by locking you out of your account DAYS before you have to pay your bill, hoping that you can't.

My whole family switched to Capital One for all our primary banking about 1 yr ago. We were very happy when we initially switched until they announced the Discover merger. We were planning a trip to Canada and started saving on my sisters 360 checking account because we were going to use her Mastercard for all the trip expenses. The day before leaving, she received her new discover card in the mail and activated it. EVERY. SINGLE. SHOP, restaurant, gas station..etc. wouldn't accept the new card.

Haven’t gotten my $200 cash bonus from Capital One (Quicksilver and Savor one Credit Card) after spending $500 with purchases within the first three months and also they never coworking with your dispute resolution process.

As a banking professional in the US, I know how to effectively resolve disputes or complaints regarding banking transactions. Unfortunately, the company's representatives often lack the expertise to assist customers appropriately. I once dealt with an agent who struggled to communicate in English, and was unfamiliar with how to manage a partial credit dispute, which was incredibly frustrating and disheartening. It appears that its customer support is based in a 3rd world country, where the teams may not possess the necessary knowledge and skills to serve customers effectively. This company should focus on hiring qualified staff rather than outsourcing customer support to ensure it delivers excellent service!

I had a legal last name change. My account was updated with my new last name. Both my credit cards did not update my new last name. I ordered both existing cards 3 times. All had my old last name. I called customer service, even spoke to a supervisor who was on chat with IT and was told there is no way to change my last name. I told them my new ID does not match my old last name on the cards, therefore I really can't use the cards. They told me it's something that can be "fixed sometime in the future". Stupid! My legal name changed and I can't get replacement with my new name? Dumb!

They are garbage.. Nobody and I mean nobody get any credit card and definitely don't get a bank here, I got approved for the venture card. My whole account was set up waiting on my card to come in the mail..and as soon as I get it they won't activate it.. So stupid.. I can't stand them..

Poor customer service... A scheduled payment was not recorded and fees were not rescinded….avoid Capital One!, Service representative was very defensive and accused me of not being honest about payment when I have a decades long history of prompt payment…

It was not added to my other cards on the app. I have tried to add and cannot. The new card seems to be separare or false. When I first received the offer for the new card I thought it would go directly to the Cap One App where my other Cap One cards are.

It was like the lower levels of help dealing with Capital One on this dispute of mine. The dispute was against rejuven and knee brakes company. They signed me up for a membership program without notifying me. Capital One still charged me and wouldn't honor my dispute.

I have never had issues in the past with my Capital One 360 checking account, for perhaps five years or more that I’ve had the account. However, I deposited a legal settlement check and had called ahead of time to talk to their customer service phone agents to ask them if there was anything in particular that I needed to do to make sure that the funds would be available to me in a prompt manner. They assured me that at least some of the funds should be available the next business day, which I looked up online, and that’s true, by federal regulations. Instead, Capital One decided through a proprietary algorithm to hold the funds for seven calendar days and maybe longer, apparently citing a concern that the Law Firm check would not clear.

Absolutely crap company. Somehow my password got changed, not by me, and Capital One has no record of the change. As soon as I record the conversation, I get hung up on. They can record but we cannot....weird. Also apparently the only way to reset is to provide my FULL SSN, WHAT! That is insanity! Why would I give my SSN to a company that has been breached before and WHY would I give you my Personal Identification Information if your site has been hacked/ breached again? No answer as to why my password was changed and no record on their end of the change. Something is fishy here and I will be closing my account now that I see how this company operates and mishandled people's information. DISGUSTING COMPANY!

After talking to foreign people that you can't understand, customer service sucks and they just hang up on you and are of no help, how about hiring someone who we can understand!!!! This service stinks of people that don't give a shit.

WORST CUSTOMER SERVICE EVER for a major credit card company. The staff is severely undertrained and without a lot of real options to help you figure out what's wrong with your card and account. I detected fraudulent activities and immediately called to rectify the situation. Shortly thereafter, my card began to get declined everywhere both online and in person stating insufficient funds (it's a high limit cc paid off monthly btw...) and when I inquired online and over the phone with Cap1 they state that I've been inputting the wrong information into the transactions (i.e. wrong zip code or security code etc.) yet these numbers have NEVER changed and I've had the card for over 2 years with no issue. I get the run around every time I call or speak to someone, yet my card continues to struggle to work. The last person I spoke to told me "to cross my fingers that it will work..."

They just don’t care about people. You’re number and if it doesn’t work for them they are not going to helps. Big corp with no feel. I wouldn’t recommend them to anyone who could potentially need help at some point.

Typically I enjoy having them for my credit card. However if you are planning to switch to them as a debit card for that first check if not the second you should expect about a week delay before you will be able to access your money. When I switched I was NOT warned and ended up needing to borrow money from my family. The only reason they are getting a 3 star review is because when I talked on the phone to a rep (Samir I think) he was super kind and tried his best to find a way to help me access even part of my money early.

If you want a bank account and debit card that get frequently hacked and you have to constantly deal with a fraud department, then this is the bank for you. Twice in the span of a few weeks two different debit cards were compromised. Both times the card has to be locked and you wait 7-10 business days for a new card! So frustrating and unsafe. You have to talk to a customer service dept that’s outsourced internationally, so good luck understanding the thick accents. They don’t care about the inconvenience to the account holder.

I have Capital One. Yesterday, there were fraudulent charges that they did not question, even in the setting of multiple zero charges. They didn’t take the appropriate action after it was identified and more charges were allowed through. Now during the holiday, I have lost a significant amount of money.

My biggest problem with Capital One is their inconsistency with direct deposit. Our payroll provider does direct deposit 2 business days early. For example, if payday is on a Monday, they'll do the direct deposit on the Thursday before, which is two business days. But, Capital One doesn't care about business days, apparently, so they'll hold the deposit until Saturday. And when they do finally do the deposit, it might happen at 10 in the morning or 11 at night...it's so inconsistent. And if you call and bug them, suddenly the deposit appears...so strange.

The worst credit card company there is. I could write an essay on the phone call I just had with the senior account rep but short story is they don't understand their own verification system enough to explain it. I regret getting an account at all led alone to which they say all cards have to have a separate account and cannot be combined (which is asinine). All in all I would say you should get a Chase card. I have a card through them and have had zero issues. Anything would be better than Capital One.

Terrible. Their customer service is honestly the worst I have even experienced, every single person I talked to told me something different and I spent months trying to fix an error on my account. Eventually I had to close my credit card and it negatively impacted my credit score. Stay away unless you want to constantly be on the phone with very uninformed and disorganized representatives.

Capital One CC is the worst and I would not recommend any of their cards. Capital One will approve you for a card but even though you make 6 figures they will refuse credit increases. I have made all of my payments on time but they still refuse credit limit increases. I'm done!

Very poor customer service. I paid off my card after I had a fraudulent deposit and now they will not give me back my $36 which I overpaid as they wanted an account statement from the fraud bank and I can’t get it cause it was not me, but they will not give me my $36. Piss poor.

Very poor service, unresponsive, not able to fix any issues. They do not deserve a 1. The person on the other side is not capable of making a decision and refers you back to the company that overcharged you, No help and no resolution even after staying on the line. Capital One is poor in the ability to help a customer, but will happily take your money.

Bill from Tampa at Capital One is a one of the rudest, unhelpful, unintelligent humans I’ve ever encountered. Capital One will scam you out of every last dollar you have faster than a snake oil salesman. They have no problem charging and assigning fees endlessly and have no ability to fix anything. They sit in their offices and collect a paycheck for screwing Americans. You’d be better off at any other bank, as this one won’t do absolutely anything except add surprise fees and close your accounts when it’s convenient for them to collect.

Have the entry level Capital One Credit Card. I called their customer service department a few times. Their customer service is located in the Philippines. They are the worst and have no authority and ability to do anything at all. I also bank with Capital One and now they bought Discover. Now all Capital One Banking ATMs don’t work outside the US and for most instant payments. Capital One is a nightmare now.

This company is a predatory company - Classic greedy rich company. I paid off my credit cards in full after they closed my accounts (after 10 yrs of having them) due to 2 returned payments. Labeling the reason as "fraudulent" - then after I paid off my account, a week later they applied charges to my account stating that the statement balance wasn't the pay-off amount (this statement balance was the balance due 2 months after my card was closed and couldn't be used so wouldn't you think that's all I owe since I hadn't used my card in 2 months? Nope lolol). PREDATORS. Not worth using. Choose literally any other credit card company.

I spoke to rep and she couldn't help me, so I ask for supervisor, just for supervisor to hang up on me Dec 4, 2025, 6 pm, very unprofessional, smh they need more training, I even gave her my number just in case phone hang up

I was a 30 percent disabled veteran during the pandemic. I was making 532.00 a month. I called Capital one during 2020 to ask if I could just pay the interest until I go back to work or my disability pay goes up. I am since a 100% disabled veteran now. I paid Capital one for the charge off June of 2022. The operator said no. I had to pay all the bill. But all my other credit cards said yes and I still use the credit cards today. I am trying to get the charge off, off my credit report but they are not doing it. All the commercials it's all a lie. I would like that anybody in the USA don't use Capital one. They just think of their self. They don't really care for the consumer or what happens in the consumer life.

My experience with Capital One has been extremely frustrating. Their customer service is very poor, and many representatives can’t clearly explain why I’m being charged interest twice in a month, even when I make payments before the due date. It feels confusing, misleading, and honestly nothing about the process feels transparent. Every time I call, I get different answers and no real explanation. It makes you feel like you’re not being treated fairly. Because of this, I’ve had a very bad experience with Capital One and would not recommend the recommend them based on how they’ve handled my account

Capital One is a piece of shit, low class employees, supervisors and all. I had to take over my mother finances and Capital One was charging her 300.00 dollars a month in interest. No one at the company could help. She is 78 and only have 1 credit card. It use to be house holders bank 35 years ago. It really was elderly abuse. I couldn't get any help with this issue from Capital one or any of the supervisors that called me. I didn't personally have that experience but I'm going to get rid of all my accounts. Saving and 3 credit cards.

I have had a Capital One credit card for 15 years. I have ALWAYS made my payment with a debit card. I pay online monthly. Recently, Capital One decided they no longer will accept debit cards. This was not the agreement when the card was issued. They ONLY accept your providing your checking account to pay them online now. Otherwise, you have to send Western Union or Moneygram. What type of 2-bit outfit refuses to accept debit card payments. I find it interesting that a CREDIT CARD will not accept CARD payments. I will be paying the balance and NEVER using this card again. I recommend that EVERYONE that pays online with debit card do the same to show the stupidity of this decision. 15 year customer in good standing.... and they won't take my payment by debit anymore (after 15 years!!!).

Been with Capital One for over 15 years excellent credit and payment history. Issue started in September trying to get a Greyhound ticket for my niece father, transaction declined call to clear it was me. October informed capital one that I would be traveling out of the country. They stated I did not need to notify them. A couple of days before returning to the US my card was locked due to fraud. I called to check on what happened and to get my balance November 14th and they stated they needed a copy of my ID emailed which since that day I sent 3 times and faxed.

Capital One not only double charges your card. NEVER OVER PAY!!! They will keep your money and still want more money. Their customer site doesn't work most of the time and that is how they take your money.

They have had my money for 4 days and are still refusing to apply to my account. They even confirmed with my bank the transaction had cleared but they still would not apply to my account as they said they would. Customer service has been a joke and I have gotten a different answer from everyone I have spoken with. They basically do not know why the funds will not post.

I’ve been a Capital One customer for over five years. Until now, everything has always been great. But what they did to me recently is completely unacceptable. I received a letter in the mail my third letter saying I needed to update my information within 30 days. I had already done this in the past, but because I work long hours, I called them on the 28th day to make sure everything was correct. I gave them all the information they asked for, and they told me everything was updated and good to go. Today is the 1st, and when I went to deposit my money, I found out my card was locked. I called Capital One and asked why, since I had already confirmed all the information. That’s when they told me I now have to wait 10 business days for the update to fully process.

I have been a Capital One customer since 1999. I made a payment that was $1 short of the minimum due. They charged me $39 for the LATE FEE. When I called and said I made a $1 mistake, they said "let me check and see if we can do anything." NOPE!! Basically said your on-time payments for 26 years are not good enough to take a late fee off for an honest mistake. Look at the history and how much money you have received from me and you are willing to lose a 26 year customer over $1. Bye Capital One!

Hello. So recently traveled outside the country and discovered that due to the Capital One + Discover merger Capital One debit can no longer for international transactions. This is a shock to me as I was pressured into switching debit cards from Master to the new Discover card and discovered my card doesn't work at the local ATM. I reached out to Capital One and they basically have no solutions to this problem. As a courtesy I suggested they waive the cash advance fees for their Venture card (because of course that still works) but refused that too. So essentially if you're traveling abroad, dont use Capital One.

Starting with the good: this is a credit card they practically give to everyone, so it’s a decent option for building credit when you’re just getting started. And that’s pretty much where the positives end. Now, about the interest rates—they’re high. And getting a credit limit increase takes forever, unlike with other banks I actually recommend, like American Express or Chase. Those companies really know what they’re doing.

I have been a Capital One member since 2015. On November 16, 2025 I pay off the balance of my account $1,375 and Capital One still charging me $24,75 for interests. Also 2 years ago Capital One closed my account. But I did my part and make payment every month until November 16th, 2025 when I pay off the account. They made over $15,000 on interests and still don't want to leave me the alone.

Capital One – Unacceptable Website Failures and Unfair Late Fee. I’m extremely frustrated with Capital One right now. I discovered two unauthorized charges on my account and had to deal with long wait times, repeated holds, and multiple transfers before someone finally confirmed they would be refunded. But the bigger issue is the $28 late fee that happened because Capital One’s website simply wouldn’t let me make a payment. The payment button was blocked, the due date wouldn’t load, and I kept getting stuck for days. This wasn’t a one-off glitch — it happened earlier this month too. Despite the fact that I ALWAYS pay two weeks early, the manager (Ali, ID **) told me he “couldn’t” refund the late fee and acted like I had other options. That’s nonsense. Their system failed, and I’m the one getting charged for it.

Sends out phony mailers about a credit card offer! Junk Offers! These folks are a joke! Crap Credit cards, Crap Service, and a fiduciarily irresponsible and fraudulent group! I don't give a damn what your propaganda commercials say or tout about your bullshit!

After finding out I was double charged from one specific store numerous times I reported it to Capital one. After they investigated it they said they found nothing wrong (the exact same cost on purchases two days in a row multiple times every time I visited only one specific store). I am now stuck with the double bill for any purchases I ever made at that store. It's blatantly obvious that it was a double charge because the number is exactly the same on every other purchase made from only that specific store. They were absolutely no help when contacted. Find a better company to get credit cards from.

I'm a multi-millionaire and had a Capital One credit card; they never sent a statement to my business. Which my secretary pays the bills was supposedly 30 days late. I ended up paying off the credit card in full as I always do. And they still would not reverse the 30-day, late payment really put a big hit on my credit report.

I reached out to have a card reissued and the lady closed my credit card instead. I spoke with a Supervisor who ended the call without saying goodbye. Issue has not been fixed. Services worse than Comcast and Trump.

In October 2024, a hacker called into Capital One and gained access to my Capital One Credit Card account. The hacker was allowed to change the mailing address and email address. Fraudulent charges then hit my Capital One Credit Card account. Capital One lacks sufficient security protocols, policies and procedures to effectively safeguard customer accounts. It took over 30 hours of calls with Capital One to get this resolved. Most of Capital One personnel did not know what was going one or how to analyze what had happened. It took many weeks to get the charges reversed. This was the worst customer service I have ever experienced. I will never use Capital One again for anything.

Will be changing banks and closing out with them. I got a paycheck and no info of a release for check being so many days. Then I'm told it can be expedited today just to be turned down and told no that it won't be expedited until the Friday. I'm begging these people due to owing one bill and they can't even release a partial. So sad being told one thing and bounced back and forth onto the phone especially the day before the holidays. Canceling Thanksgiving because of this whole ordeal.

Besides their extremely high interest rate. They are now charging a cash advance fee on any PayPal transactions tied to their credit card. It seems that this is a new policy and we will be removing them from PayPal.

Capital One customer service are some liars! I tried to make a payment on 10/28/2025, but I was locked out of my account because of the app. The specialist I talked to on the 28th said to call back the next day, which I did. My bill was due on the 28th. I talked to the tech support guy on the 29th, and he helped me unlock my account. I made my payment, and he said he would note the account so I wouldn't be charged a late fee. I was charged, so I just figured it would take about a week or 2 to get the charges corrected. It was still there by November 14th, so I called. The specialist I talked to then said he would waive it because he sees the discrepancy.