Capital One Reviews

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

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

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

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

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

I love Capital One because they have trust in me to pay what I owe back

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

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

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

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

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

When their system "suspects" fraudulent charges (which usually is for no reason at all), they completely shut down your card and you can't do anything online to verify you made the purchases, you have to call them. Then, even when you verify it isn't fraudulent, they shut down your card anyway and you can't make purchases for days because you have to wait for a new card to be issued. There is no way to contact them through text or email. They claim to be the most technologically forward company, but they are, by far, the least. They have phone and fax, and their system is completely IDIOTIC! I got their card because of the rewards, but the stress of having to redo everywhere that I have autopay on this card when there was absolutely nothing wrong is not worth it!!! And this is the third time it's happened.

I have had a Capital One card for years. I always pay at least four times more than the minimum payment and my payments are always on time. Yet I pay a very high interest rate even though my credit is great. They only care about signing people up instead of rewarding their loyal customers.

If I could leave 0 stars, I would. Ever since Capital One took over Discover, it's been a nightmare. Never in my life have I had so many issues with a credit card company. Anything I had as a recurring charge was cancelled instead of automatically charged to the new card. I stopped being able to use my existing card without notice. I can never get into the account online without calling them and going through a phone tree and reverifying information. They are the absolute worst. Will be cancelling immediately.

I was drawn in by the credit card details and terms which sounded nice. Applied through a fairly easy process and was approved. Only after logging into my account did I notice that many security details were attached to my ex wife's information. So I called support, needing assurance that those details usable to access my account would be replaced with my own.

Capitol One is the worst Credit Card that you can get don’t ever get a credit card from Capitol One. I made the payment the same day, apparently, because I didn’t made it before the eastern time and I’m in central time. They charged me a high late fee, which is unfair, and they will not refund the late fee.

For a large, well-known bank, it is unacceptable not to make a reasonable effort to contact a long-time customer by phone or email before taking such a drastic step. This experience has been frustrating, disrespectful, and completely avoidable. As a result, I have lost trust in this institution and will not be opening any accounts with Capital One in the future.

I had a Bass Credit card through Capital 1 - I terminated my gym membership at Club 4 giving them over 45 days notice. Most credit card companies put any disputes on hold. This crooked bank does not so I closed the card and reported them to the Office of the Comptroller of the Currency. My credit score dropped from 815 to 725 - Even though I was given a case number every time I called customer service I had to argue and explain everything over and over. They never sent me a letter regarding the dispute. They are crooks

I have had this credit card with Capital One for over 15 years. I always pay my monthly balance on time and in full. One fact relevant to this is; about a year prior to this incident, I had to replace my capital one credit card. Capital one mailed me a new credit card with a new Credit card number but on the same current account.

I am an active-duty service member who was recently approved for benefits under the Servicemembers Civil Relief Act (SCRA) through Capital One. On 5/15/26, I called the Veterans Line along with my wife. We were assisted by an employee named Chuck. During the call, Chuck was unbelievably rude and disrespectful to both my wife and me. His tone and behavior were completely unprofessional and left us shocked.

I had an overseas trip all paid for through Capital One. Had to cancel because of changes in our airline flights. I got a total refund back to my card, over $6000.00. I was then told it would take a month for them to cut me a check for my credit. I guess it's my Wells Fargo card from now on. Been a customer of Capital One since 2018. Soooo disappointed!

I just called to try to recover an account and whoever Sebastian is, hung up on me after I gave my social number, now I not comfortable. That's not ok.

I ordered two pressure washers from a Hong Kong outfit for $114. The product was crap and did not live up to its marketing hype. I sent all the info related to this and made a dispute claim to Capital One after trying to resolve this with the Hong Kong criminals. Capital One disregarded my complaint. I have been a Capital One customer for 10 years. And one of their very best customers. Why they stupidly chose to choose a bunch of Chinese crap sellers over my complaint about their product, which did not perform as advertised, I cannot understand. What kind of ** are Capital One hiring to decide these issues.

To receive this credit card took over that a month; but when I used gets decline and when I call to fix it they asked me passport; driver license; official letters and to make it worst the customer service the Spanish guys are so careless; rude ; and they don’t care the make you feel less important because they are there to collect a check that’s is what they told me .. simple as that.. I hate this service for real I do .. be careful with this capital one customer service. Worst of the worst.

Capital One does not protect you as a consumer. They always side with the seller in a dispute. I had a seller offer misrepresented services, provided proof and the dispute was denied.

Sorry for the rant here but I've been stewing on this all. I have been with Capital One since roughly 2017. I opened a platinum card account so I could work on my credit and quickly followed this by opening a 360 checking account. Flash forward a few years and the platinum card has been upgraded to a quick silver and my deposit returned to me. Had nothing but good experiences for my entire time as a customer and have regularly recommended them. Especially over using chime or cash app as your primary bank.

I just had a merchant dispute that Capital One decided that I had to pay. The merchant was Tire Plus. I took my car there to have a nail removed from one of my tires. Tire Plus did a lousy job of patching that tire. A week later I had to buy a new tire. I sent Capital One the paper work for the tire and my statement and Capital One still said that I owed the money. Capital One sucks. Try calling their customer service that sucks also.

This may seem petty to some people, but for me it is an issue. I give gift cards as gifts, and occasionally I use something for myself. I ordered a digital gc April 8, 2026 and as of today, May 6, I still have not received it. What the heck.

This is a long review I wrote, but essentially they do not protect their customers from fraud and have little sympathy for it. Beware of this credit card company. I was recently on vacation in Mexico from April 4-11, 2026, and decided to withdraw money from a bank machine on the resort I was staying at. I withdrew $400 Canadian dollars on April 9. As soon as I was done my transaction my phone bank app alerted me that 3 additional transactions took place almost immediately. One for $122.85 and another one for $545.86 CAD and another one for $84. The $84 one was flagged and denied by my credit card company which is Capital one Mastercard, but the first two charges went through. My original transaction from the bank machine was listed as Bankaoolcabo. The next transaction was listed as ** JesusEnrique and the next one was listed as ** JoseLos. I then went into my bank app and locked my card so no further charges could go through.

This company bombs me with pre offers through the mail. I stupidly tried one and got denied after they did a hard check on my credit. They need to stop. I will never use them no matter what or no matter how high I get my credit. Never!!!!

My experience with Capital One keeps getting worse. Their recent buyout of Discover and the conversion of their debit cards to the Discover network threw a HUGE wrench into my travels. I tried using my debit card at three different ATMs in Hungary and all three rejected my card. They're not in the Discover network. I finally found a Pulse ATM - one that was NOT recommended because of bad exchange rates. How did Capital One go from being useful almost anywhere to being useless everywhere. I looked forward to my time in Budapest and instead, found myself scrambling with banking. It shouldn't have been this way.

I have been banking with Capital One for over 10 years. One positive thing I can say is that when fraud charges do happen they have always gotten my money back. HOWEVER, it is becoming more and more easy for my accounts to be hacked, even though one of my three cards is a credit card and it is registered nowhere. All I do is make payments on it, I do not use it and yet somehow the account information constantly gets stolen and used. This keeps happening I will definitely bank elsewhere.

If I could give this company zero stars I would. They didn’t have ANY of my correct information on file besides my address. I thought I misplaced my card so I was checking to see if I had any transactions Alan’s. I didn’t. The man suggested me to get a new one but stated before he can start process he needed to verify me. He NEVER ONCE SAID he was cancelled the card, I asked him to just lock it because the verification process was taking too long why then he said he already cancelled my card. I immediately asked for a supervisor who couldn’t do anything about it. I closed my account. Now have to wait three weeks for a paper check. Never again.

I've been a Capital One customers for years. And I wish I could get a little more credit than what I receive now. My payments are always on time.

The worst customer service I've ever had. They make it literally impossible to contact them, it's a miracle if you can get anyone on the phone, let alone there being no option for chat or email besides the most useless AI bot I've ever encountered. The app doesn't work with cancelling payments, despite me trying to cancel a payment only 20 minutes after it was submitted. My account is connected to an old name from before a name change, despite me opening the account years after the name was changed. I submitted documents to fix this twice, but they still have yet to actually fix anything.

Capital One platinum; If I could leave zero stars I would. They gave me an offer for a zero annual fee only to deny me, but approve me for a secured credit card. They are phishing and hope that you bite.. They are completely bogus. They need to go away. Imagine not needing the money, but want to increase your credit limit. They want you to give them some money for your own credit. Even when you don’t need it.. these credit card companies are trash. Use them to build credit, not borrow money.

I am cancelling my Capital One account. Their process of handling out of the ordinary customer situations is beyond justification. A company as large as Capital One should have contingency plans. I had to cancel my card and ask for a new one. I have spent an hour, two different times, then an hour online, trying to change a phone number I have not had, or have access to, for three years. If they cannot verify me through that number, I cannot receive a new card. They are saying they can do nothing. It is ridiculous. Beyond belief.

I was a Capital One customer for 30 years. I spent 5 1/2 hours on the telephone one day trying to get some help from customer service, fighting the language barrier and four different countries, the Philippines, Mexico, or a Spanish-speaking group of people, not sure which could’ve been Costa Rica and everybody that I talk to was only trained to ask verification questions.

We had a discrepancy over the points I was supposed to have gotten! I satisfied EVERY thing mentioned!! I spent $4,000 the first 3 months but DID NOT receive my flight miles advertised!! We went thru each step trying to get this resolved and finally got to the top person she claimed... And she said there is nothing else to discuss and HUNG UP ON US!! VERY VERY RUDE AND EXTREMELY UNPROFESSIONAL!!!! All I wanted was what was advertised!! NOTHING MORE!! VERY, VERY DISAPPOINTED IN CAPITAL ONE!! The so called manager med to be reprimanded immediately!! Now I'm getting a bill for another year!! WE TOLD HER TO CANCEL, CANCEL, CANCEL!!

Let me make this perfectly clear, today is April 24,2026 and Capital One bank Sucks the worst bank in the industry. Today I went to log in to the app and all my Accounts are gone from the app and web site. Capital can’t do anything right. They suck, let me repeat that capital one banks sucks. Take your money out to another bank like Chase or Even Wells Fargo. I put the date on this review purposely so you know it’s a most recent review about this worst bank in the industry!!! Capital one banks sucks take it for that.

I'm the POA for my dad who was the victim of the 2022 data breach with this company, they stole his information and between 2023-2024 a hacker charged nearly $5,000 to his silver capital one credit card, last year in 2025, he was once again the victim of a scammer pretending to be Capital One. We've made several calls, but this breach is still currently going on. We tried going through the BBB, only to not hear back, this company owes me and my dad $5,000 due to the fact, we also had to put a stop payment on a check, open a new checking account, freeze the old account and we were out $30.00 additional for having to order new checks, in closing this is the most corrupt credit card company, and even now your information and data aren't secure or safe.

I’ve had a solid experience with Capital One overall. The app is easy to use, and I like how simple it is to track spending and make payments. Customer service has been helpful when I needed it, though wait times can vary. Their credit tools and alerts are also a nice touch. Not perfect, but reliable and convenient for everyday use.

All around terrible. It's to the point where it almost feels like they're running a scam. I've done this three times now just to see if it's common practice with them or coincidence. However all three times I got the same results. I get a flyer in the mail telling me I'm pre-approved. I sign up. They get all the necessary information and I get my card in the mail, in a timely manner. Yay I'm pre-approved for what I'm guessing is their minimum credit line. But I figure what the heck, maybe I'll build some credit and get a higher one in the future, so I activate card. Some time goes by and time comes when I decide to use my card. Three out of three times my first transaction gets declined and then they freeze the account dinging it for fraudulent purchases. LMAO.

Worst experience with point redemption. Never received gift cards...called back 4 times over several months...never resolved..never received cards...wouldn't give back points.

I had my name legally changed and provided them with a court document, updated passport and social security card and apparently that isn't enough to update it? They need some special IRS form?? Sorry what? I changed my name with BoA, Wells Fargo, and Fidelity and Baselane all without this nonsense. Only Capital One is a problem. I'm so annoyed.

I’ve been dealing with an issue with Capital One for over a month now, and it’s been one of the most frustrating experiences I’ve ever had with a bank. I made a credit card payment using my own external bank account. Shortly after, they flagged it as possible fraud and locked my account. Fine, I understand security checks happen. But what doesn’t make sense is that they still took my money while keeping my account restricted and making it nearly impossible to fix the situation.

Their customer service representatives are polite but not always knowledgeable regarding credit card information. I was waiting for a card to arrive by USPS and never received it. However, somehow while being in the possession of the United States Postal Service my card was intercepted by someone and they made five different charges on the card before I ever saw the card or even received the card. I insisted that the replacement card needed to be sent by FedEx and it was. So I did get the replacement card and the charges were not mine so I wasn't charged for those fraudulent purchases. I was offered an upgraded credit card and I accepted that offer and was waiting for my new upgrade card but that too disappeared in the mail system and Capital One said that they would not send the replacement by FedEx as they did the first time and that they would send the replacement but United States Postal Service.

Capital One promised a $200 statement credit that I never received – they flat-out lied about it. Their customer service is absolutely horrible; agents are rude, unhelpful, and clearly don’t care. When I decided to close my account, they didn’t even pretend to be concerned. You’re just another number to them. I would never recommend Capital One to anyone. Stay far away.

I have had a Capital one credit card for over 20 years with not one late pay. We have not utilized the full credit limit of 15K in a while. I was asking for a one time increase to 20K for a large purchase. I was declined because evidently, I do not max my card out enough to their liking so they turned me down. Nobody cares about on time payments or longevity of accounts especially Capital One. What really shows how much they care (which is NONE). I did not even have an option to get a human person review. Pitiful and NO customer service any more with them. Since you will not let me choose. NO. WOULD NOT RECOMMEND TO ANYONE.

Capital One 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 want to give Capital One's Fraud and Security team a HUGE THANK YOU.... They flagged what they thought was fraud and saved me $$$$$$ thousands. Specifically "Jack" I thank you over and over. I appreciate the diligence you guys had in catching the wire fraud.

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

Great service and experiences so I like the way you guys treated the customers, I recommended everyone should be a Capital one member so you will not regret your choice, another to achieve your goal. It would be better to come with this great family because our success is your success!! Thanks Jean Claude

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?

I see the Capital One credit card as my opportunity to improve credit score, and be able to move forward with first time homeowners program that I have been doing research on. Making on time payments is my goal to establish better credit score.

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.