Capital One Reviews

I paid off My Visa Venture Card with an over payment of $578, I have reached out and the agents have said I have to wait 3-4 billing cycles for the automated system to issue out a check for me. Today is the 3rd billing cycle and I escalated to specialist whom also gave me the same that there is nothing they can do for me and that I just have to wait. While 5 other banks have paid me back, Capital one is the only one that is just keeping my money and not paying me. I don't even know if that is even legal!!!.

I'm currently in Asia, and now that they switched to the Discover network, my debit card is useless, making it much more difficult for me to get cash now. They have bought the Discover network to benefit themselves, but they have screwed over many of their loyal customers. They obviously do not put their customers first.

I have always paid my credit card bills in full by the due date every month but yet somehow they randomly keep putting interest charges on my account and I have to keep calling to fight them to get the interest charges taken off. They have given me wrong information multiple times, had system glitches where how to wait weeks for my direct deposit, my accounts have been hacked multiple times but they did help me get my money back. One of the credit cards they set up in the system without my information so it was never able to link to my app or online banking and so It kept charging late fees since I couldn't look up where to post the payment and they couldn't help me so I had to close it and it messed up my credit. I noticed a lot of my cashback rewards don't pop up in my account. It has been nothing but problem after problem after problem. I'm about to go close my account.

The fall of Capital One has been a slow painful decline. I remember opening my first credit card with them, I was so exited. Service was awesome. It was a little $250 secured platinum card. From there I opened 3 more cards and the decline started around 2020. Support was outsourced. Can barely get anything across, half the time I can’t hear through the accents. Interest become higher and higher with each card. Simple disputes like “hey this car wash keeps charging me every month” turns into 3-6 month affairs which end in “well you didn’t do XYZ” after they literally just recounted how you followed the correct steps?

Use any credit card company but this one. My wife and I have been incredibly faithful with our payments. We had a higher balance and they were charging a huge interest rate. So we decided to do a balance transfer. We had called to make sure the balance was paid off at zero and cancelled the account with a zero balance. We were surprised by them sending us a text message saying that we had a past due balance and a late charge. We called and they wouldn’t even waive the late fee. I explained to them the situation and they are so scripted and rigid they wouldn’t waive the late fee because we didn’t have a courtesy waive on the account. Might as well been a robot on the line. There’s no true customer service with Capital One. Companies like this are so money driven and crooked. Honestly they wouldn’t waive the late fee because we were no longer a customer. We’ll never use Capital One again. Save yourself the trouble with companies like this.

Just started going to them for my car loan and it is the most complicated thing in the world. No one to help. Just keep transferring me having late payments so it’s gonna be bad on my credit even though I have the money and I’m trying to pay. Don’t go through them.

I am going to start a social media campaign on what is NOT in my wallet.. Switched to Discover card. Inconvenient for me. The call center is outside the States, called numerous times, even wanted a Supervisor, well you know how that goes, but they couldn't even find one. Would not recommend.

Finally I am so fed up with their customer service that had to write a review. Most recent disaster is as follows. Using the app, I transferred funds to my Capital One account from my wife’s BoA account. Out of nowhere they flagged the transaction, put on hold, even though I had made similar transfers in the past. Was asked to call in. I did. The agent said my wife needed to verify her account ownership with BoA while they call them. She did. Now, again out of nowhere the agent said they now have same issue with an earlier transfer from my account with Citi bank to capital one. Now, I was asked to verify my account ownership with Citi bank. Please note, this transaction in question, the transferred fund was duly deposited and at that time no issue was raised but surprisingly now apparently they have an issue. So, I patiently complied while they called citi.

Not good to have account with this bank cheating on you. Cheaters. They trying to keep your credit low to give you high interest. Please share this. They have to stop it. I did complain about that. Zero zero -star. Negative star not even good.

I have never been so disappointed in a banking company or credit card company. Capital One closed my banking account. I never received my new debit card in over 3 months. I don't recommend Capital One for anything. Definitely unreliable 🤬🤬. I dislike everything how Capital One treats their new customers. No help whatsoever.

I have been with Capital One for over 20 years. Great the whole time until I go to pay off one of my cards. I went on the app and paid the remaining balance. Thought everything was good to go. Apparently, the app lied! Capital One decided after I paid my balance, they get to charge me interest I had on there. Talk to customer service and they couldn't help me. Talked to a supervisor and he said that they have a new system in place and he couldn't help me. Actually told me I should have called in and not have used the App. I thought apps were there to make life and their jobs easier. I have two cards with Capital One. Soon to be ZERO. They just care about sticking it to people.

Two days ago, I purchased tickets for an event through Capital One Entertainment since they advertise discount tickets. As the location of the seats inside the venue is not disclosed, I was not sure where the seats were. But I trusted Capital One that I was getting the best deal. After the purchase, I received the tickets. These were at the very last row of the huge venue 😡. What is worse, for the money I paid, the official venue agent, Ticketmasters, had tickets at the front of the theater. I was truly deceived! I contacted their customer service, I got something like "sorry, you shouldn't have trusted us." No wonder Capital One's logo is "Do something unforgettable." Word of advice, do not use Capital One Entertainment!!

I am a Disappointed customer who just got sued by Discover/Capital One. Discover had a customer default on his Discover car for about 4K that had the same name as I. They served Me small claims suit. I responded my Discover, & 2 Capital one cards were and are active, current, and ALWAYS have been. I called indicating this and he confirmed. My SS # didn't match there account Nor did my address match. They said it doesn't effect you then. I told him my county still has a court date attached to MY SS #. He said he would flag it as a investigation. How did they get my SS # to file the suit. And not realize it wasn't the same SS as the default account. No call apologizing, or saying we realized it was someone else with the same name. After sueing me in my county my family and I have lived a grew up in. I'm paying the cards off next month and will be using my CHASE card from now on. Except just enough to keep them open. Huge Disappointment!

I pay my card on time and I pay the entire balance every month, excellent credit score but when I asked for an increase they denied me stating I didn’t use my card enough to merit an increase. So because I choose to not be in debt and pay the 29% interest that they charge and live within my means, warrants me not being able to get an increase. Can’t close the account because that would be bad for my credit score. So I will keep the card and use it sparingly like I have been doing, thanks for not appreciating a valued customer who uses their card responsibly.

The suck, my direct deposit is always late now. Once my employer issued it, I used to have my money the next day, now it is taking 4 days for my deposit to show. Discover card is horrible. I liked my old debit card. Starting to be worst bank. Can’t wait to change my direct deposit to a new bank, just waiting on my employer. I would not recommend Capital One to anyone now. Before I loved them, now they plain right suck.

Capital One supports fraudulent transactions by retailers. If you try to file a fraudulent claim, you are transferred to the Philippines deck where staff lacks knowledge, experience and expertise in this area. First, staff approves your fraudulent claim and credits your account. Later, staff charges your account again, always claiming improper documentation even when you supply thorough, documented proof that the transaction was fraudulent. The not so funny thing is, ever time you talk to a Philippines staff member there is loud and chaotic background noise - very unprofessional! And Capital One supports and funds this inept Philippine Group! I’ve switched to a new visa card with a highly reputable and classy company!

Don’t go to the Las Vegas Lounge unless you wanted to be treated like a DOG! Went to check into the lounge with my pregnant wife and Bonet the Mgr wouldn’t let us check until our flight left sooner. Just a rude individual and shouldn’t be in leadership. Don’t go to this lounge!

I had a $12.88 balance due nov. 16th. And my card was cut off. I paid it when I got home from the dentist since my card was cut off on November 13th. And the customer service said she was sorry. And it made my credit go to 582 from a 670. And she couldn’t fix it. The bill was not due till the 16th. WTF???

We started youth accounts for all our teens to be able to save their money. 6 months after one teen turned 18 they decided there was an issue with their SS# and locked all the accounts. Two hours on the phone later we were told if we wanted access to any of our money we would need to make a 12 hour+ trip to the nearest physical branch. I really hope Capital One needs the money the teenagers have worked so hard for.

I use to love Capital One, but my card was stolen in May. I reported the fraud and they sent me a new card. Then I found out my card was stolen again, got a new card and so on. This week, I caught fraud again and guess what? After I locked my account and got a new card in the mail, my account was again overdrawn. Turns out my virtual card was stolen back in May and the people who stole it would make under $50 online payments and whenever it would decline would wait until I put more money in my account to do it all over again.

Horrible company. Don’t do business with them. Closed my account in September. Bunch of thieves and their customer service sucks. Agents hardly speak English, frustrating to listen to agents speak. Agents and managers rude and unprofessional. They don’t listen and hang up on you. Bunch of morons. I will never open another account with them again. Capital One is a cesspool for class action lawsuits. This review is based on truth as I see it and my personal opinion.

THEY are thieves period. Pulled out two payments (one was on time the next was 3 days later). Charged me a 40 dollar late fee and then charged me another 70 dollars for interests rates on past purchases and then told me that every month I would have to pay the minimum and also pay for interest for the past purchases until the balance is paid in full. So 170 dollars a month and my balance will still not go down. This all on a 3000 dollar balance.

Since switching to the Discover card we are no longer able to use the debit card. 90% of businesses won’t accept it. We are not able to withdraw money from ATMs abroad. This switch was such a terrible decision and we would have never signed up had we known. There was also no notice of this change. So disappointed.

I would leave zero stars if I could. I had a debit card that I didn't activate because of previous fraud. I don't use debit cards, so I just left it in a drawer. Last week, I decided to activate it because I intended to withdraw money, and I thought I would need it as ID at the branch. Two days after activation, it was used fraudulently for an online purchase. Definitely an inside job since it never left my house. Capital One was notified immediately but still allowed the pending payment to go through. Since I had withdrawn all the money, they now say I have a negative balance and have to pay them the money. Do not trust this bank with your money.

I agree with the negative at this point. While I had been a customer for over 14 years my card was shut off because of lack of use or purchases. They said they notified me via email in Aug. They honestly did not. I did get the email for the cancellation which I immediately called them to respond. The associate said at this point there is nothing they can do. I was told to reapply, which I did. Here's the fun part, I was offered nothing as far as promotions or anything but was immediately accepted back. They also said they would match my old credit limit. They did not.

I applied for a Capital One card because of a specific reward offer. They ran a hard credit inquiry for that application — but never approved me for that card. Instead, they issued a completely different product with no reward, and never disclosed that change by email, letter, or any other notice. For days I was told the reward “would appear within a week.” Only after multiple calls and department transfers did I learn that I’d been switched into another card altogether. That’s not confusion — that’s a bait-and-switch.

Customer service is terrible. The time it takes to post a payment is horrible then you get a late fee regardless of when payment is made. I think payment is held to process a late fee on customers' accounts. I wouldn’t recommend this card at all. Beginning credit is horrible and not worth it. You pay more in fees than credit.

Start with opening an account with Chevy Chase in 1995. At some point. Capital One bought Chevy Chase and slowly squeezes me out of my checking and savings accounts until i have to transfer all my money to one of their products. Fast forward to recently, and they accepted an obviously fraudulent check into my account. No signature, no similarity with previous checks I’ve written, and submitted from a payee that a simple Google search reveals to be a typical scam.

Capital One failed to protect me from a scam by Marriott Vacation Club. Another competitive credit card company did protect me for the same crime. Don’t use Capital One. They won’t help in the time of need and crime against you.

Capital One customer service is the worst I've ever dealt with. The agents have no knowledge of what they're doing. I had to call 3 different times spoke to 3 different people and got nothing accomplished or resolved. I will pay my balance off and will never do business with them ever again! Horrible service. Absolutely no respect for their customers. Stay away!

As a small business owner, I have found Capital One to be the most inconvenient bank I have ever dealt with, with the closing of branches and the constant changes to their online banking. I recommend you stay away.

The customer service is awful. They have representatives that will talk to you like you are stupid and they think since they "control" your money and when you can use it, they have power or something over you and they treat you as such.

The absolute worst credit card company I've ever had. Keep it out of your wallet. Don't even associate yourself with them. They're very dishonest and will make threats on your credit score for leaving them. Afterwards, they sent me more mail and emails than necessary. Seemed very spiteful.

They accused me of credit cycling (which I had no idea was bad), I simply paid off my credit bill each week. I had a very low limit and it wasn't hard to do. So an agent called and tried to force me to give her my credit union login info, because they wanted to access my other financial records for some reason... And she three way called my credit union and I refused because I thought it was a scam! I called back and found out it was real, and refused to give my credit union login information, so they closed my card. I'm pretty sure what they did was illegal. I have two new cards with very high credit and low usage so I'm figuring out how to manage my credit score, no thanks to scandalous Capital One!

Terrible credit card company, they blocked my card while I was on vacation. In the meantime, I paid my electric bill and other bills with Debit card. Before I received my card, I saw charge from FUBO TV. I called them and they refunded my account, now Capital One wants to pay my recurring charge for electricity, which I already paid. Their customer service and fraud determination department is the very worst. Over 2 months and I can't get resolution...

They have merged with Discover and are replacing checking account debit cards with Discover cards. Not everyone takes Discover, so if your debit card is the only way of paying,, you can't make the purchase. Called customer service and their response was nonchalant. Maybe they will put that vendor on the system down the road. That does not help me now when I have a online purchase to make.

Used to like this company but now screw them! They sent a letter saying we needed to use our cards. We went to use them and noticed they were expired. Figured they were sending new ones and needed to wait a bit. Well, life happened and forgot about it. We got a second letter saying they shut our account down for non usage! Made a phone call and was told that it was from non usage of the cards. We told him we tried to but they were expired and we never received new cards. He told us they sent them but must have got lost! Never mind the fact not one but TWO letters had no trouble getting to us! He basically said nothing can be done because the account has been shut down! Also, my credit took a hit for this nonsense!

I would give this company no stars at all if I could! I’ve been with this company for eight years. My credit score is in the mid-700s. My credit card usage on all my credit cards is under 9%. I have never been on late on a payment in my life!! Most of my credit cards are $10,000 or more. They gave me a $300 card eight years ago and have only increased me to $600. They do not give out credit line increases. It’s not worth the three points off your credit score to get a card!! And I was preapproved through Capital One for another card that I was gonna do a balance transfer on and they only gave me $500! I am so pissed.

Completely Useless Customer service. My card has been restricted for months and every time I call support to remove it they say the back end team is working on it. It does not take 3 plus month to remove a fraud restriction.

I have been a card holder of 2 different cards from Capitol ONE for years, and haven't had any issues until now. I did the referral for a friend to get a statement credit and it was stated that once approved I would receive that credit. I had 2 family members apply and get approved and THEN I was told something totally different in order to get the credit for referral. So basically it helped their company get 2 more customers with no thanks to me. You have to jump through several hoops to even see "if" You qualify for the referral AFTER they make several purchases and payments, THEN it takes 8 weeks to "see if I qualify for the credit". WHAT?!? THAT'S NOT WHAT WAS SAID ON THE REFERRAL LINK! I'm upset because I bugged my family to even apply and they only did it to help me out and come to find out I only helped the company.

I've been a customer of C1 through BJ's Club for quite sometime. I've noticed at least once a year, they've failed to send a bill, luckily, my checking account on my phone app alerted me when the bill was due, out of the blue, it stopped. I refuse to use several online sources simply because I'm older and not well versed with the computer as I do not like my personal info all over the web. When I called about the bill, the CS rep said she could not reverse the late fees, which I know is a lie! These people are scammers and sheisters who take advantage of their clients. I believe they PURPOSELY won't send bills to collect on late fees, forcing us to go digital!

I’ve been a Capital One customer for years, and I’m deeply disappointed by how little support they provide when you actually need help. Despite always making an effort to pay my balance-sometimes in full, sometimes over time, and keeping my account in overall good standing to the best of my ability. I’ve been denied help three separate times: They denied my credit limit increase even when my account was in good standing. They denied me hardship assistance when my household income dropped, even after I explained my situation. And most recently, when I paid my full balance on October 16 using funds from a personal loan, a small technical mix-up caused the payment to bounce. I corrected it as soon as I found out, but they still refused to reverse a $108.99 interest charge.

I had loved my account with Capital One up until they have recently bought out Discover. I had a few credit cards and my bank account through Capital One. Since they decided to make my bank account a Discover Card it's been nearly impossible to pay my normal bills such as my car note. I had to jump through hoops this morning just to get a online payment through (switching money to other online accounts to make payments I normally made through other services). This is upsetting to me because, my normal paid bills are declining and the most important one to our family is the rec center because we still use the pool and gym. I don't see a point in continuing with any of the services if it's going to be such a hassle to pay bills and that is the whole reason I used their services to begin with because they guaranteed that their services were excreted everywhere. I don't find any perks to keeping the Discover bank card. I wish I could rate 0.

I tried for a hour to try to log in to my account, reset passwords, talked to customer service and problem is still not taken care of!!! I don’t know if I’ve been hacked and all I get is run around! L FOR LOSERS FOR NOT HELPING ME ACCESS MY ACCOUNT THAT I’VE HAD FOR MORE THAN 15 YEARS!

Hi, Am now in my third month of trying to get a replacement card due to fraudulent use. My business card was also hacked. Have been a Capital One customer since 2013 with credit rating of 820+. Been told several times that the replacement is in the mail. Maybe it is just me hard to understand the language that the reps are saying from an offshore account? I have been told the card will be here in 7 days. Frustrating to say the least.

DO NOT RECOMMEND CAPITAL ONE!!!! GO WITH CREDIT ONE INSTEAD. For example if you make a payment of $100 to Capital One they will take all but 30 towards your account. Where CREDIT ONE if you pay $100 you will see that $100 towards your account. Let's go CREDIT ONE!!!!

I have had a Capital One checking account and use it for my wife in the Philippines. Then Capital one switched the debit card to Discover and now I cannot send support to my wife by Capital one because they do not accept Discover card. I now have to find a bank who has Visa so I can send money to her. This company has gotten worse.

Capital one locked our credit card and would not give us a reason for locking it. We had no notifications, no reasoning. When we called, they said we should send bank statements, which we didn’t have because we had recently changed banks after moving and hadn’t had a new statement yet. We even got our bank to send them letters stating this and it would not suffice. We lost tens of thousands of dollars in rewards points. Afters months of frustrating calls and them apologizing saying there was nothing they could do, someone finally unfroze it and they did nothing for us. Terrible company.

I’m a secured credit card user trying to build credit. This month is first attempt to use card. Suddenly they have lost any ability to verify me, they have wrong phone number and no internet mail address for me. Their verification process is a hoax.. When I first started review I noticed I am not alone, other users have no way to verify themselves and hence can’t access their money. Sounds like a scheme if you ask me. Customer Service was useless and could do nothing for me.

Capital One will recharge you for fraudulent charges that you dispute. I have police reports, screenshots and even merchant testimony that states these $1,000+ charges were fraudulent, but Capital One doesn't care and charges me for them. What is purpose of a credit card if I don't even have basic fraud protections? Kick Sand. Cancelling all C1 cards and my company will be moving to Chase.

Horrible customer service!!! I used mobile banking as there is no Capital One bank in my area. I received an email on the day I deposited my check stating there was reason to believe my employer didn’t have the funds for my check. So it was held for 3 to 5 days. When I called my employer they were concerned for defamation. The customer service rep was excited I couldn’t access my money. I live paycheck to paycheck!!! So instead of helping me customer service pretty much ensured I won’t be depositing money any time soon!!!

Default language Spanish ONLY!! Happened several times and extremely frustrating. I think it is time to shred it, send it back to their corporate HQs and use my other cards. Plenty of options. Just need to change automatic pays and get rid of default language once and for all. Happened too many times.

We have been loyal Capital One customers for more than 30 years. We've always gotten prompt, efficient service whenever we had an issue. Until now. I keep having issues whenever I try to use the card, but my husband can buy anything, anywhere with the same card with no problem. A purchase I tried to make this evening was flagged, so I called to fix the issue. Capital One is now using off shore customer service, so they just keep asking you for the same information over and over because they can't do anything. Told my husband to call back at 8 a.m. tomorrow - 2 hours after he starts his work day. We will be paying our balance and going with a different company.

Don't expect any customer service from Capital One. I disputed two charges from Walmart for the same amount for something I did not receive. Capital One "investigated" and found in Walmart's favor without any additional information. I'll never do business with Capital One again. I don't need their credit card.

They enticed me into opening up a new Quicksilver account with 0% interest on balance transfers until December 2026. For some reason within the span of one month my credit score went from 821 to 756! I don't know what they are reporting to credit bureaus but this is the only change to my finances. One, one new account opened and over 60% credit available on this new card. I only opened it for the 0% interest benefit. But they screwed me hard somehow.

Disputed charge with vendor to the point where we changed to a completely new card and then they Capital One allowed the vendor to charge against the new card which I still don’t even have my possession. It’s just out and out fraud. How's this protecting their clients when they’re the ones actually committing the crime.

I wouldn't refer a dog to Capital One. Made an agreement and they did not honor it. What a high and mighty, uncompassionate excuse for a trusted source. Customer service and clauses with hidden, insane fees make it safe to say they will never get another cent from my rear view.

As a long time Capital One customer, applied for a Capital one savor card, as they advertised not interest for 21 months on purchases and transfers, made a transfer and little that I know, they star charging me interest for 3 months now, (pay off the balance) after calling their customer service, I was told that balance tranfers did not aplied to that promotion, false advertised and misleading business practices, I have 2 other capital one cards and a Discover it card plus a Kohl's card, alredy canceled the savor card and one of the capital one silver, will cancel all the other cards too, Will never do business again with Capital One.

This company is a piece of shit. They don’t give you any notice when they’re closing an account or for what reason they’ll close your account they just randomly will close your account because they feel like it and then when you talk to them about it, they will not tell you what it’s really about or what’s going on with your account. Just that it’s closed and that they cannot reopen it. I would not use this company anymore and I recommend no one else to use them.

BAD customer service -as simple as that.... takes too long to get answers and they need 14 days to send a check for an account that was over charged by $12,000...Go with American Express! I used to like them, now I feel I should write several reviews.

Had Capital One for years. Never gave me a credit upgrade, also gave me the lowest credit limit out of every other credit card I have. I don’t recommend them at all! They also gave me a credit card and charged me 30% interest day 1, others gave me 10-18 months 0%.

I really have enjoyed this bank. They really do take care of their customers. But for some reason, they decided to change and go to a different bank card using Discover. Now more than half my other apps will not work with my card. So now I’m gonna be forced to go find another bank. Not very happy about that.

I paid off my credit card, Capital One continued to report the account delinquent, destroying my credit score. I would advise all credit card customers to seek other options. I called twice to clarify the issue, only to be told two different stories which none is pointing to a resolution. Never again do I want to have anything to do with Capital One. The same problem I’m having with an auto loan, they try to increase my payment under disguise. Only when I caught them did they return my payment to its original. Bunch of crooks.

Worst company I have ever dealt with! 15 years and we called the hardship dept asking for help and they offer NOTHING! Avoid at all costs!! Worst company ever! They are heartless demons. The company will not help you and jerk you around beyond your imagination!

Capital One absolutely sucks, period. HORRIBLE customer service, broken English, it's a joke. I have credit cards with Discover, Capital One, Bank of America, and AmEx, and CapOne is by far the worst experience. Long waiting periods, having to maneuver via a shitty automated system, speaking to garbage reps who can't understand English, it's pathetic. Of all the cards, Discover is in a world by itself--at least you know you're speaking with American customer service reps with a command of the English language, not some jokers from India trying to screw you.

I have had a Capital One Venture card for eight years. In the last few years, the card benefits have all but diminished. The once free Capital One airport lounge now charges both card members and non-members a $45 entry fee. I used to get two free visits a year for the $60 membership; that ended without notice. So, I tried to switch the card to a Quicksilver card with them, but was told as a current Venture cardholder I could not get that card. REALLY? I cannot get a different card without an annual fee, except for one with no perks at all. So I said I would just close it when I get my points paid out. Apparently, an eight-year cardholder with an 800+ credit score who has spent hundreds of thousands of dollars on their card isn't worthy of another card with them of my choice.

With so many credit cards to choose from, I would strongly advise against a Capital One card! Their customer service is abysmal, both when trying to "chat" with one of their AI bots and the actual humans working there. I had paid off my card with a 0% interest rate and closed it over the phone. The following month, I received an interest charge on my account (that I hadn't used) and because I didn't get a statement stating this, I didn't pay it and was then charged a late fee. When I called to dispute this, I was put on hold for 40 minutes and then told they "couldn't" waive the late fee. "What's in my wallet?" Definitely NOT any cards affiliated with Capital One!! I wish I'd looked at these reviews before getting one. It's not worth the headache.

I had fraud on my Quicksilver Capital One card in late September and still have not received my replacement card. During this time, I’ve had to scramble to reset automatic payments because their fraud and customer service teams were unresponsive. Citi and other banks would have overnighted a new card immediately. The poor communication and delay have caused unnecessary stress and financial inconvenience. I’ve now paid off and plan to close the card due to the lack of reliable service.

Capital was great with no fees and accepted everywhere when they were using Visa Mastercard. They switched to using only discover a few months ago. I can no longer pay my utility bills. I can no longer pay for Costco online. I can no longer take big trash to the dumps because the dump doesn't accept the discover. Discover says they are accepted 99.9% of places however I can't use my card anywhere anymore. Now I'm forced to look elsewhere for my banking purposes.

Today I called Capital One's customer service department and was assisted by a supervisor named Alexandra. I think it's the worst experience I've had with other banks in so long. The customer service, the responsiveness, and the help were terrible. I would truly rate my experience with Capital One as the worst I've encountered in my entire time in the banking world.

Capital One won’t protect your money. They care more about the consumer than you. I’m a veteran. They don’t give a hoot about veterans. I would never recommend Capital One to anybody. Worst bank ever. They bounced my account 8 times.

The Savor card is a total scam. They offer shopping opportunities with extra bonus points if you go in through their website. Don't fall for it. You will never see those points, no matter how many times you call customer service. The purchase is supposed to show in your "shopping trips", which it never does. Since it never shows, as far as the company is concerned, you are not entitled to the extra points. This card is not worth the trouble.

I am honestly no longer a very happy customer. Why would you switch to discover when I was good with using my Master card everywhere and now I am limited to places. I have been a customer for a little over 7 years and I am no longer going to be a customer. Between this and the poor app provided, there is no point. I am seeing you are losing more and more customers. Is it worth?

I miss the days when American companies hired American workers to do American jobs! They offshore their customer service jobs to foreign countries where the customer service agents barely speak English, read from a script, are not properly trained, and cannot give any answers to you that aren't on the approved script in front of them. I called to make a payment and was told by an agent that she could not verify my zip code so I could not make a payment. It's the same zip code I have had for years and the same one on the paper bill they sent me! I had to call back and get a different agent to successfully make a payment. It was the worst phone call payment experience I have ever had!

I used my Capital One card in England when I was visiting and they put a fraud alert on it. With I am now 9 months into trying to get the restrictions reversed. They want documentation to prove I am who I say I am. I have sent it four times and they keep on claiming that it's not verifiable but will not tell me what is not verifiable. The irony is that I have to verify who I am to get them to send me the email to verify who I am. They have now got a credit on my credit card from my payments that they are not allowing me to get due to the restrictions. I cannot get anyone to use common sense and see that I am who I say I am and ignore the AI response to the verification. It is beyond frustrating and if I cancel my card I lose my points and accumulated points.

Had my secured for over 2 years. They never increased limit or switched it to a unsecured card. Gave me all there others cards with low limits. Closed all of my credit card accounts with no warning but didn’t touch my savings or checking account. This is actually the worse credit card company I’ve dealt with.

10/7/2025 - Called to close my account due to security concerns. Somehow mentioning "security concerns" triggered them (this happened a few months ago too and wasn't resolved for the same reason). The representative was extremely rude and made me feel like a criminal instead of helping. Kept asking random questions and responding "but I don't understand how that would work!" to all my answers. Asked invasive questions and made threats. Worst customer service experience I've ever had in any banks. Will never call again. They need to train their representatives better.

Don't ever apply Savor Capital One, they're cheating, even if you have excellent credit and they sent you the card after using for a couple months, they don't give you cash back and 0 APR and call for complain, they said "You're not qualified." If not, why did they send the card out for customer to use. Bad, bad.

I filled out the online application with 20 months 0% apr and $200 cash back rewards for the sign on bonus and was approved right away.... One month later found out I wasn't approved for the sign on bonus without a reason. Needless to say I paid off the card and canceled them.

I would never apply for this card ever again unless every other Credit Card company in the world turned me down. Terrible customer service and terrible card. You're better not to carry a card at all if this was the only card you could get. No office to go to or anyone else to help you if you have any issues. Regional.

Capital One put a freeze on one of my accounts because my son paid my bill from his account. It’s not the first time he’s paid my bill for me yet. They restricted the account. I have been a loyal customer. Never been late with a payment for years. When I called in and tried to resolve the issue. They had my son on the other line to verify who he was and to verify the account. After going through all those steps, the call was disconnected. I am greatly disappointed with their service to faithful customers.!!!

Worst company I've ever dealt with in my life. I've had a extensive experience working in all sorts of customer service jobs and have received good as well as bad service. Capital one is by far the worst. Recently I was transferring jobs after graduating college and making ends meet for my wife and I. I was a few payment behind on my credit card and they would NOT stop calling me. They would call me during work hours, inconveniencing my day and it was always some foreign guy on the line that I couldn't understand. Every one of their representatives is forceful in regards to getting you to make a payment. I would tell them when I could make the payment and they wouldn't stop calling me after gave them an answer.

Their price alert is a load of crap!! I could have gotten a flight from Tampa to Boston 8:00 at night direct for $158 on September 24th. Capital One told me to wait so now the flight is $269!!! They SUCK in so many ways. Not enough space here to leave the list. Don't assume anything they tell you is true. It's not!!

Calling customer service is a joke. Outsourced call centers that can't communicate and do not listen. Expect you to be online to do anything but they don't help. Account verified and talking to you but your information you question can't be told to YOU because of security issues. And if they put in incorrect information lord help the stupid trying to get it corrected. Did you know they keep your old account information even though it's supposed to be based on new cards given A home number 20yrs ago on current accounts. Nice money credit, pay bill but don't contact for anything else, it's not worth the aneurysm.

Very Poor Customer Service on the phone....Can barely understand the heavily accented voice and frankly, they don't understand or seem to care...Had a minor subscription issue and they automatically resort to restricting my card at that very minute and resort to an extreme of issuing a whole new card to arrive in the mail after a week...TRY to listen and understand first before resorting to extremes...of course, they don't care!!

I've had a Kohl's card for years, but today is making me rethink it since Capital One has taken over and pulled some shenanigans with the payment methods. My account was suspended because I made a $29 payment. I called yesterday and was on the phone with their fraud department for over 3 hours. I got told by their personnel that the reason was because I made multiple payments, a very large payment, I never used this account to pay before, my authorized user was the only one who used my account and the bank doesn't match so I, as the account holder, couldn't make a payment with my bank, etc. Those are just the few BS reasons that the fraud personnel gave me as far as the reasonings for this. They asked me to provide a picture, my full SSN, my bank statements, all of which I feel very uncomfortable providing.

Capital One is terrible. I used their card for five years, never had a late payment. In mid-2025, they canceled my card without notifying me and took away all the reward points I had earned. When I called, they told me the system flagged my card for some reason but didn't tell me why. They refused to reinstate the reward points I earned. I will never do business with them again.

Capital One Silver - I have had this card for years. I kept it to keep credit longevity and consistency. I noticed that from time to time that my credit score decreases by 25 points due to how Capital One reports my account to the agencies. About a month after they decrease my score they increase my score by 25 points. As I do appreciate them putting it back, it can still make an extreme inconvenience if someone was attempting to get a loan. One minute your score can be over 800 then it can be kicked down into the 700s. This can mean a significant difference for someone attempting to get a loan at the best rates.

Awful customer service. Cap One calls and reported possible fraud charges. I was on the phone for 2 hours going over each charge and deleting the fraud charges. Lady said she would send new card... I called several days later as a follow up and had to go over the SAME crap again. Horrible customer service and fraud department. IF I ever get this fixed, I will NEVER use them again.

Capital One is terrible in customer service satisfaction and make you pay fees while you are on auto pay and then they say you are not on auto pay and charge you all these late fees and instead of bringing your credit limit up they reduce it. I don't want to use them anymore. Unfortunately they bought discover and I still have to deal with them and will charge my card as soon as I can.

I’ve had one too many problems with Capital One in the year I’ve had my accounts. This last one they completely changed their network without a single notification. Just sent me a new card then told me some bs afterwards. I will be closing my accounts and moving to a better bank where communication is clear. You are messing with my life now. I can’t use this new debit card how I would normally use it so I don’t need anything from them anymore.

Just canceled my card. Paid in full triggered fraud alert. They wanted to contact my bank even after payment cleared to ask ownership of account. Excuse me. How insulting. The payment cleared. Had zero balance. And you want to speak with my bank? Why. Customer service can not give a reason that is acceptable.

Loyal customer for 3 years. I only made payments from my current bank account while I held this card. Their mobile app attempted to submit my last payment under An account I haven't had in nearly half a decade and that payment was returned. Despite correcting the issue Capital One permanently closed the account. When I asked what they were going to do to address the glitch in their app, they said that I must have done something wrong. I submitted payments on that app for 3 years and never missed one, and at the first sign of trouble Capital One blamed me and did nothing to help. I will never do business with them again.

Customer service is worst than IRS. Plus every single one is Spanish serving Americans with a heavy accent and they are rude and do not inform you or give you knowledge about the card. Worst service call.

Paid off the balance and have a 37 dollar credit on the account. Crapital One reported the account more than 30 days delinquent tanking my credit score. The account has a 37 dollar credit, how is it more than 30 days overdue? Stay away from crapital one.

I accidentally sent a Zelle transaction and immediately upon noticing my error called to have it reversed. 4 days later I am denied MY money. Capital One has ridiculous policy and I highly recommend never using their Zelle service. Will take my business elsewhere.

Incorrect information is showing on my TransUnion. They said I have multiple late payments but I do not. I always pay off my balance in full every month and had this account over 20years!! This is not a good company to be a customer, they do not respect your business. I pay off in full and they report the incorrect information to transunion. They even show I owe $0 yet they say currently late, which is 100% incorrect. This error is harming my credit score and affecting my ability to get better rates and other loans. DO NOT USE THEM.

Capital One made a huge mistake switching to Discover. Instead of leaving it with MasterCard. This will definitely cause customers to leave as I am doing changing all my banking to a different bank as we speak. Will only keep my credit card until that changes then I close all capital one account.. these big corporations never learn.

The true test of a credit card is not so much the rewards they offer but how they support you when something goes wrong. If traveling internationally, customer support is a nightmare. Even once, home service representatives were condescending. Did not find in favor of dispute despite not receiving good/service from seller as promised - were referred back to Seller who did not respond to email. Our first dispute despite years with the company. Have used Amex and customer service is way superior - Amex backs the customer every step of the way! Cancelled our cards!!!

I waited at the bank for over an hour with a bank employee to add my husband to my account. We were in contact with online support, and no one could do anything about this simple request. We are still waiting. I will write later to let you know if we succeeded.

Capital One notified me via email that my small business user id would be expiring and I would need to create a new one. I created a new user ID two weeks ago but still cannot use it to pay bills online. I have spent countless hours on the phone only to be told that the system does not yet recognize my phone number (for 2-step verification) and they have no idea when it will be fixed. If this is how their systems work (or don't work), I don't trust them to handle my money and will be changing banks.

I had 3 cards and one car note with Capital One. I now only have 1 xlcard because they restricted 2 of my cards when I was going through a hardship. I begged them to work with me during my hardship to no avail. I thought they would unrestricted my cards when I caught up on my payments, but they wouldn't. Although I'm paying off the restricted cards, they won't give me a credit increase on the active card due to missed payments on the other 2, yet they would approve me for a new line of credit with missed payments on the restricted cards. I won't be dealing with them once they are completely paid off. If a customer is loyal, they should work with customers more than they do. They are definitely going to lose me as a customer.

Thanks to Capital One’s switching my debit card to Discover I’m now having to scramble to pay my bills online. Regardless of what they say, a lot of places do not accept Discover for online payments. Will likely be switching to another bank.

My app updated and now I can no longer use my debit cards to pay my payments. When I call customer service I can't understand the people on the phone. May need to find a new credit card company now. It has been a simple app to run until they did this and the guy I could understand the most said sometimes it allows debit card, other times it don't but he had to repeat it 4 times for me to understand him.

I have 2 credit cards, and auto financing through Capital One. My credit cards offer rewards and for the last 10+ years I have received my rewards. This time is been close to 1 month and I have NOT received a $25 digital gift card. I have called customer service numerous times, nothing gets done. Not happy!!!

If there is a “zero” star, this branch deserves it. We have business account with Chase 25 years ago. Capital One bought over in 2018 but failed to migrate all system paperwork. When we came to the branch last week and after waiting for an hour, we were told we are NOT the owners unless we bring back all company paperwork to prove it is our company??? After 30 years with thousands of transactions and they ask us for the company paperwork when we come in to open a new CD???

Capital One sucks. Had a secured credit card through them for almost a year. Never missed a payment and even paid off over 35k in personal debt from a divorce to improve my credit. Had nothing but sod payment history for the past 10 months with them and haven’t had any late payments in my credit in a year and still can’t them to give me a slight increase to help my credit. Capital One is your typical company that’s doesn’t care about you and will only look at your past. I’ve cut up my fees and will leave my account open, but will never use Capital One again!

I have been a loyal business credit card customer for at least the last 8 years. I have never missed a payment and have never reported fraud, until they alerted me to it last month. I received a text message late at night asking if I made 3 separate charges to something called WhatNot. I responded no and followed the prompts to mark all 3 charges as fraud. They stated "we are launching an investigation," froze my account, cancelled my card, and shipped me a new card. Great, right? Wrong. Within 2 weeks they did respond back but only to tell me that I or someone at my establishment must have made the purchase because the owner of the WhatNot account says that I received it.

I paid off all my Capital One credit cards. I was assured it was paid in full, and closed. Today I get a text saying my payment was late. So interest was added and a late fee for what I was told was paid in full. So I just paid a payment on interest plus interest on the interest and a late fee. Beware when paying off an account!!!!

Worst credit card ever. I have a Menards card through them and they offer deferred interest. Well, when the end of the promotional period is upon you they put the notice on the very last page and the end where no one ever looks. I paid off all but $67 because I didn't get the notice and they charged me $170 in deferred interest. Then they attempt to placate you with a one time $50 statement credit.

I have been with Capital One when the bought Guaranty Bank in 1981. Just recently they requested information that frankly they did not need to know since my only account with them was a checking. I relented and gave them the info, twice. They closed my account, citing they had not received the info. Upon further investigation, Damon with management confirmed that I did indeed send the info it was just never given to the proper department. No apology, just they will email the department. Still no word, account still closed, and they still have my money and I have bills to pay. Needless to say I will no longer use Capital One once they clean up the mess they have made with my money.

The customer service is horrendous. After depositing a check from the state comptroller’s office (from the Texas treasury) they informed me they were holding my check because there was doubt that the issuing agency could cover the check. After speaking to a supervisor, my problem is still unresolved and I will be closing my account with Capital One.

I started a Capital One account over two weeks ago and have yet to successfully receive my card. On my fourth call, they finally updated my mailing address which I had been telling them was the issue and they had told me each time that they updated it. Why didn’t I update it myself? Well, in the Capital One app you cannot access any personal information without a verified phone number. If you are on someone else’s phone plan, DO NOT USE CAPITAL ONE. They cannot verify your phone number and you literally cannot access any personal or card information within the app without it. It should not take four customer service calls and almost a month to access my credit card. I also have a Discover card and that account is super easy to manage and the card arrived in less than a week.

I had a Capital One card since 2019. Many times I charge large purchases on my account and many time I make large payments so I have open credit for new purchases. I just made a large payment from the same bank account that I have been using for many years. Because of the large payment, Capital One has restricted my account and is demanding to see 3 months of my bank statements. This is not right. When I try to close my account they did not let me use the point which I have already earned. They wasted 3 hours of my time on the phone today. I will never do business with Capital One again. Very disappointed.

Capital One just launched and sent me a new Discover debit card. I tried twice and both places doesn't take Discover cards. Why don't leave options like Visa, MasterCard or Amex cards as optional for the clients to choose from. Horrible move and their marketing sucks if they didn't research properly before leaving the clients hanging, with not other option to take our money where we are valued.

Absolutely the worst!!!! We paid off 2 credit cards with this joke of a company and closed the accounts and they had the audacity to charge us interest on closed accounts. We called and spoke with a supervisor who refused to reverse the charges, Capital One is greedy, money hungry bastards who deserve what they get which is to go under and I can see why they are being sued!

Warning to U.S. Consumers: This has been the most disappointing experience I've had with CapitalOne bank or financial institution, especially one that claims to uphold high moral standards and ethics. They intentionally send out pre-approved credit card offers, which result in hard inquiries on your credit report, even when there's little to no intention of approving the application.

Capital One Auto Finance offered to help me refinance my pickup. I filled out the application and unlocked my credit information from the three credit bureaus (my credit scores are all in the 800's). I was approved, given my monthly rate and told I should continue to make payments to my original bank, which I did. I then had a 2-week business trip. I kept getting calls from Capital One representatives (all foreign accents) indicating that I needed to supply more information such as payoff amount. I explained that the information was on file at home and I would contact them as soon as I returned.

Capital One is becoming outrageously incompetent. Their C/S phone number on back of cards is unreadable even with magnifying glass! They refused to 'activate' my new Credit Cards, despite we've had 3 Accounts for over 32 years! They demanded my SS# and my Driver's License - refusing to VERIFY as they couldn't send TEXT to our Cells! But they did send a link to upload my DL. They via incompetent error have changed my Husband's name to our new Town! They won't even fix this! Incredible indeed! Can't use my cards! IMAGINE! May have to seek to change companies to be treated properly, no less fairly, despite our over THREE DECADES of LOYALTY!

Capital one secure platinum card is not a good card. Its customer service is horrible and the management is horrible as well. I deposited whole amount to pay off available balance on September 8th 2025 and the basic payment on September 9th 2025. Their incompetent workers processed my payment on the 9th before the payment on the 8th. Applied the minimum payment. Left me with a balance to accumulate interest while holding the payoff payment for 8 days and not giving me an available credit for what was left the customer service department or nothing but human robots that barely speak English and read from a script. The worst customer service and management I've ever dealt with. If I was looking for a secure credit card again I would never use Capital One and would definitely never recommend to anyone. In fact I would absolutely not even mention them to friends or family.

I've been a customer with Capital One for 8 years and they cancelled my account without notification. I never received a card reissued to me after it expired so when I noticed it was expired I gave them a call on August 14th to have it replaced. They sent it out about a week later and then closed my account two weeks after that and would not reopen it despite calls to customer service. They gave me a window of about 14 days to use my card and then took it away due to not being used even though I JUST received the card and I lost points on my credit score since they took away my account. Stay away from Capital One.

I am writing this review to warn other consumers with excellent credit scores (780+) about my experience with Capital One. I applied for the Capital One SavorOne card specifically for the advertised 0% intro APR for 15 months and the $200 welcome bonus. Based on my credit profile (excellent score, high income, and three other Amex cards with a combined $85k limit), I expected a competitive offer.

I made the first payment on my card more than a week in advance over the phone and I got a confirmation number and all was fine. Until yesterday I received a text message saying that my account was past due. I called to talk to someone and see what was going on and even the machine told me the last payment was made and in the amount of x and when I got to talk to someone they told me my payment that day didn’t go through and that’s why now I have to pay late fee and interest rate. I told him: "Why wasn’t I notified?" He said that because I didn’t set up my account to be notified but what’s funny is that to notify me because my account was past due they could do it! Very convenient huh?! They were able to remove the late fee but not the interest of $12. I think Capital One is not reliable and trustworthy. They do not think about the client. They just want your money. Watch out!!!

I signed up for a service and used my Capital One card for the reoccurring charge. When I went to cancel the service I could not find any way on the company's website to cancel. So I called capital one. I'll spoke to a representative and they assured me that the charges would be blocked. After a couple of months I started checking my statements and found that I was still being charged. I called capital one again and they told me that we needed to cancel the virtual card that the service was attached to. After many phone calls lasting thirty to forty five minutes and it's and sending in all of the documentation that was asked of me, Capital One refused to reimburse me almost a thousand dollars that I was out of pocket. Even though they assured me it was blocked. I have had good service with him over the years BUT, Anyone can give good service until they make a mistake and refuse to reimburse you. BEWARE! Check your statements!

Absolutely money hungry, greedy and part of the downfall of society. Erroneous fees on top of fees. It’s not bad enough they should be embarrassed at the interest rate, but do you really need to rip off customers also? Days and hours to get absolutely nowhere with a discriminatory algorithm for fees and actions.

I applied for the Capital One Venture card in June 2025. I have an 830 credit score and was quickly approved with a $10,000 credit limit. I received the card in July and started using it immediately. The offer was 20,000 points if I was to spend $1500 in the first 3 months of which was spent in the first month. I used the card again in August and both months were paid in full and on time. On Sept 3rd I received an email that there was fraud on my card and my account was now restricted.

We got equity loan and paid large amount on all of our credit cards and one of them is Capital One. After they received our payment they freezed/restricted our card. We called them and was told that we need to submit documentation where we got the funds, Really ... yes... Really, we refused to submit the bank statement and even the bank refused to give information to capital one bank rep. They are very hard to deal with. CAPITAL ONE SUCKS!! Gave us headaches during the process of calling them and calling my bank several times and finally me and my husband gave up 😔

If you rely on the CAPITAL ONE CC company to have your back over a legitimate dispute of an item verifiably returned to sender. The company lied to Cap 1 and they chose to back them over an outstanding customer with the highest possible credit rating. The tracking number shows the item was returned...YET NO REFUND...along with the royal run around from a terrible Customer Service Dept. Never had this dishonest treatment with any other credit card... FOR FINANCIAL SAFETY, PROTECT YOUR WALLET AND USE A DIFFERENT CARD.

Slowest company to report to credit bureaus. Their own website says 5 or 6 weeks. Not good for building credit. Companies like Amazon and self are much better for building credit. Their only positive thing is they give you a 300$ unsecured card.

They closed a savings account I set up in my name with my child as a joint account holder and never informed us that it was going to happen. My now adult child and I have spent hours on the phone with their terrible customer service getting the runaround. They just kept telling us the account was closed by check and couldn't tell us why it was closed or where they sent the check of the account balance. When I tried to resolve the issue alone on the phone, they accused my adult child of stealing the money.

I've had a Kohl's card for many years with good service. Apparently they have now let Capital One assume control of their credit service. When I use my card I got a bill with both names on it, so I paid it. When it showed up as Capital One on my checking account, I disputed it because I didn't have a Capital One card, so I thought. My CU reversed the charge a few days later.

09/08/2025 I run thousands of dollars through my Cap One - BJ's account each month because I get rewards on my purchases. I called about the details of those rewards and after 1 hour and 20 minutes and 4 cap one and BJ's cust. serv. reps my call was just left live. They didn't even hang up. Between the two companies nobody could show me the details that I was actually receiving the rewards the web site showed I had earned. Check yours. See if you can find it. They show rewards for individual purchases on the Cap One site. They show totals on the BJ's site but nowhere is there detail showing that the individual earnings match the total. As an accountant and business owner that I expect that detail to be provided.

Capital One is losing both me and my husband as customers. We've used them for years and have never once had a late payment. Why? Because the way they handle disputes is tedious, unhelpful, and a nightmare! Not at all like my bank, which has always been easy with conclusions in its customers' favor.

Have been a customer for 20 years. Work with a small non-profit who offers grants to small organizations around who are activating change in their local communities. A mistake was made in an international wire request and while the funds were taken out the account, the funds were not received by the grant recipient, who said his bank returned the funds. Capital One bank takes no responsibility. The receiving bank, also a major bank, takes no responsibility.

I will never use Capitol One again. I was charged 1300.79 for a restocking and shipping fee for a product that I never took possession of. The pool was supposed to be delivered on 7/7/25 and it did not arrive. I called the company and stated that my installer for my pool was coming on the 8th of July. Guess what. No pool on the 7th the 8th or the 9th. So, I cancelled the order. The Pool Factory whom I purchased the pool from was irate swearing at me etc.. Long story short Capitol One sided with the merchant. I will stay with American Express an time.

If I could give zero stars I would. Our card was compromised online and we were charged $4000 to businesses across the country from us. Capital one refunded some of the charges, but not all of them. I reported them to the Better Business Bureau and capital one still insisted that we benefited from these fraudulent charges. We will no longer do business with them as this is unacceptable protect protection against fraud.

Trying to settle an estate for over 7 months now. Calls into customer service is a joke. They don't have access to anything but call notes from the other customer service people I called. To get any answers, like have you received the letters of instructions from the rest of my family or has a check been cut, customer service needs to email a manager who looks up the details so it can relay the details back. I have been told multiple times that no one can talk to a manager. Apparently the front line people must just be there to scream at. Anything that is sent in they won't look at for 14 days and then, if they make a decision on what was sent in, it takes 14 days to process the decision. Invest your money with anyone else except these clowns. I hope I run into the Capital One dude one day so I can give him my opinion on this horrible company.

Customer care and fraud department are a joke. I had fraudulent activity on both of my credit cards and they froze both cards and told me that they could not remove the freezer on the accounts. So because the fraud department refuses to do their job I can no longer use my cards. These people support the people doing the fraud and that makes me believe that maybe they are the ones actually doing it. I will be talking to a lawyer soon and see if there is anything that can be done. I would not recommend Capital One credit card to anyone.

Horrible. If you deposit a check or get a refund, it takes days, sometimes WEEKS, for it to clear. If you need money now, good luck! You might get it in a week or two. It is inexcusable. Of course, if THEY take money from your account, it's instant! Incredibly irritating and debilitating for most people. Terrible bank.

I've been very happy with the Capital One experience up until recently when they changed the bill pay setup. I previously had my payees set up in categories so I could easily manage the multiple pay dates each month, quarter, and annually. No more. Very difficult to manage payments now and very difficult to look at last payment amounts and dates. The developers need to use what they design, they'd make it better for customers instead of worse. Considering taking my savings, checking accounts to Schwab.

THEY WILL STEAL YOUR MONEY! I have made consistent payments for years on my credit card and car payment. I have not missed a payment. However, they lowered my credit due to a report from another entity - YOU GET THAT?! Not that I have been delinquent in any of my payments to Capital One, no they stated because of any issue with another bank, that I am in dispute with, they [Capital One] lowered my payments. Which essentially stole the last $500 that I had paid over the past 6 months.

Really do not believe this company has any interest in supporting the card holder. I saw a tool auction game. I played and won. All I have to do is pay the shipping so I do pay the $13 dollars. I immediately go to my online account to make sure it real. I see it is a scam so I call customer service. They will close my account and send me a new card but leave the scammer charge on my account. Why would a card company support a scammer? It get worse. I get the new card and the next statement has more bogus charges on it and the stickers are still on my card. I am think someone at Capital One is getting a cut from scammers that they support this behavior.

Capital One is Unreliable. They charged me twice to pay the bill, then held up my 1, 6700$ for 30 days, after they sent me the wrong amount on the bill. Their customer service policy is to send checks by regular mail, when actually one needs the money they owed me in 7 days: I asked agent George from Panama, to ask his supervisor to speed up the process. Sickening! Sadly you do NOT get an agent from the US, they outsource everything! No reliability: they are on automatic pilot: what a shame!

Devastated, Heartbroken, and Let Down, I am writing this review with deep sadness and disappointment. Last month, I contacted Capital One to inform them of the devastating loss of my only child, who had been battling cancer. During that call, the representative I spoke with was kind, compassionate, and assured me that everything would be okay. They even helped me get things back on track, which gave me some peace of mind during an incredibly difficult time.

Capital One made me pay for an item I did not order. Vendor sent the wrong item, I complained to the vendor with no luck. I disputed the charge and capital one sided with the vendor. Terrible protection! That was the reason I used them. I don’t use them anymore!

Horrible customer service experience and because individuals only read from a script. They are NOT helpful. I do not recommend banking with them. I spoke with several people each person did an incomplete job and did not do what they needed to do... DO NOT use this company.

Their travel site advertised price matching. I booked hotel on Capital One Travel, found the same room cheaper on super.com, followed their procedure for getting a price match, was told they would not price match because the rate I found was 'too good to be true.' Pitiful.

The absolute worst outsourced customer service I have experienced. I received an email from Capital One that a new credit line was opened on my account. I called the provided number. 1st had to ask the "rep" three times to fix her earbuds or microphone as it was completely unintelligible. Finally explained what the issue was, she asked if I could verify my credit card # with Capital One. Well I don't have a credit card with Capital One. Auto loan only. She goes silent and immediately puts me on hold. She comes back eventually and I swear to God the first thing out of her mouth is "you should call the credit bureaus". I said, "Excuse me?" Now keep in mind Capital One is the entity that told me to call them.

The agent barely spoke or understood english. Goodbye Capital One. Spend your money on employees rather than TV commercials. You should care more about your current customers rather than pulling in new customers which you will show no respect to.

I am paying on a closed account with Capital One and they refuse to report the payments to the credit Bureaus so they have tanked my credit scores when I’m trying to get back on track after a few tragedies in my life. I am literally homeless so I can meet the agreed payment and they continue to destroy my credit. They are not helpful, they’re not kind, they specifically destructive if you cannot make your payments and refuse to work with or help you at all. I have other similar accounts with other credit companies that are very helpful. They helped me into a payment plan and report the payments every month which helps my score increase.

I told an agent that another lady had basically for whatever reason, persuaded me into product changing my Platinum to another Quicksilver One (I already have one!) and that she had lied, telling me that there would be no annual fee on the card itself. I lost a decent product changing to that card... a Platinum. Now my credit score may even be impacted. Don't know what to think about these people anymore. Just disappointed.

I am very frustrated with the customer service I received this morning. I spoke to 2 representatives for an hour and six minutes. My card began declining yesterday and I was told it was due to a claim from 2 weeks ago in which I already received the replacement card. Now another card is being sent which closes my previous NEW card and for what? A new card was issued. I'm so over it! Horrible time to make a mistake like this and I can't access my card for Labor Day weekend.

I open a credit card for my wife with a $200 bonus if I spent $500 in first 3 months. They never gave the money even after I complained to customer service. The first representative I talked to gave me story that I didn't complain in time. The second representative gave me a different story.

Capital One is not concerned with their customers' best interest. They drag greatly on resolving fraud issues against their customers even when it’s their fault. Their foreign call centers are horrible and just make things worse!! Your loss in just not a concern to them!

From the first day I regretted my decision to open this card. If you have good credit I suggest another bank. It's just not worth the hard check on your credit. I go out of my way not to use it so I can avoid dealing with their horrible customer service. Chase is a better bank in my opinion.

Third day, 11 customer service representatives and I still have not been able to set up online account. I’m wondering how good will the service be? How reliable it this company? Should I do business with another company?

After being with Capital One, multiple accounts for almost 20 years, they aren’t doing right. We currently have high limits on 3 cards for personal & business. We encounter an issue on a routine purchase under $500 at our local Home Depot several days ago. We immediately called while in Home Depot to be told there was no issue, no flag, no fraud… this should have been noted, as well as recorded onto our accounts. The next day, they shut down all our accounts for fraudulent activity. We have been calling daily for resolution. We’ve provided all documents. They say it may take up to 2 weeks.

I attempted to cancel my Capital One card associated with a large department chain as my wife and I had similar cards and didn't need duplicate accounts. Following a phone call to cancel this account, I paid balance owed with bank account number. They apparently got the number incorrect and charged my credit card again with a late fee. When I called to fix the issue, they would not take any responsibility. They did say they would look into the situation which they never did. Then I received another bill with a second late charge. Are you kidding me!!!! I attempted to pay my bill again minus the late fees and they would not remove it. This information was given to me by a supervisor. I cancelled all credit cards associated with Capital One. This is horrible customer service and unethical. Stay away from Capital One.

In September of last year they offered me a balance transfer (BT) for 0% interest/one year. Initially it was necessary for me to pay a fee to get this BT and I did. I did pay a minimum payment each month on the BT. At the one year mark I am about to pay it back. When I add all of the minimum payments and subtract their total from the BT I get what I believe is the balance of the BT. However their figure is $100 higher. When I called customer service I am told that's the way it is. Their computer maybe wrong but no one can correct it.

I got a secure card from Capital One over a year ago. I got it off Credit Karma because they recommended it. I gave my $200 deposit and I received the card. Now I barely use this card. Only on certain occasions and anytime I've used this card I paid it back instantly. I got the card to build my credit which it did not build my credit. If I spend $75 of that $200 they would take points from my credit score anywhere from 25 to 60 points saying over usage of card. Now like I say if I use $75 I paid it back within two or three days because you can't pay it back the next day cuz he will not allow you to pay it back. This last time I use the 120 dollars off of the card tried to pay it back the next day and it says payment not due so then I had to wait Fridays to pay it. By that time they took 60 points from me so I called and I canceled the card. 2 weeks later the card is still have not been canceled so I told them can you please cancel my card?

Went to my local Walgreens because my Capital One app said that they could deposit cash for me. Upon arrival, I was told I could not deposit my 975$ that the app said I could, but I could do 500$ instead, simple enough. Though once this was done, a supervisor had to be called over to check everything, that’s when I was told that management had informed their employees they could no longer deposit money for Capital One because they could only do it for certain banks. So either the Walgreens location is in the wrong or the Capital One app is not accurate, either way, there needs to be a fix to that problem so there isn’t confusion in the future. This is not the first location I have had this problem with either, just the most recent.

I had auto bank withdrawal every month, but one month I decided to pay early and didn't owe more than my current expenses that were going to be due in my next statement. However Cap One took the money again on my due date and I had already paid that manually before my due date. Then I called asking for a refund because I really needed the money for something else. Well they refunded the money but charged me a 45.00 fee, which is ridiculous. I cancelled all my cards with them and have Chase which is a muuuuch better service. Chase value as a customer and for chase you are more than just a number, Chase put on your own shoes.

The payments take way too long, even from Capital One checking and savings. Most of my payments take 2 weeks. Capital One back in the day didn't have all these security features that made it hard to make payments. Now it really sucks to make payments. Almost not worthy of having the card anymore.

Not good limits, I have limits on other cards up to 70k and my first card from Capital One still at $1000, so yeah. I asked to remove it because I don’t want any negative energy in my life. This is your sign.

I would not recommend this company at all. My account was closed without any notice after just two return payments, which were the result of using the wrong card and unexpected charges—not negligence. Despite correcting the issue and making consecutive on-time payments, my accounts were still shut down. Customer service was completely unhelpful and offered no resolution. It’s clear they only care about taking your money and have no concern for how their actions affect your credit or your life. Extremely disappointing and frustrating experience

Capital One recently changed their on-line bill pay. It is a significant DOWNGRADE! No longer available: Organization into categories. View last few digits of account numbers. Pay multiple bills before hitting submit - now must be one at a time. It requires multiple clicks to pay each bill. Also: There is no HOME button anywhere on their website. You must hit BACK many times to regress thru all screens you have visited. There is no email to contact them. Only via phone or social media. I have been a customer for many years. I considered changing multiple times and regret not doing so when they frustrated me the first time.

Capital One is the worst credit card company ever! This company charged me a $26.00 late fee for being less than twenty four hours late with my payment due to circumstances beyond my control. I tried to resolve this issue with customer service and not only were they extremely rude over the phone they wouldn't remove the late fee. I have been a customer for over twenty-five years and have never had a late payment and they still wouldn't remove the late fee.

I had a dispute with a merchant who I dealt with mostly on the phone and after failing to resolve the issue ran to my bank hoping they would do due diligence and investigate so I could get my money back. Even after the merchant provided documents that didn't align with my dispute they sided with the merchant and I lost my money. I guess these companies help each other to steal from poor people otherwise I still don't understand why they did believe. I have been with them for 30 years. Never submitted a dispute and they still didn't help!! If a merchant scams you don't depend on Capital One to fight for you. They will just side with their fellow thieves to scam you.

I’ve been with Capital One since 2000. But changes over the years with Calling Customer care is horrible. Not confidence in the operator. There is a language barrier and I never get my questions answered. I would be happier if somebody from the United States would be answering the phone. There would be less confusion with what I’m saying and understanding what they are saying. I am not crazy about the benefits with my new credit card either.

Capital One Savor card SAYS they offer 3% cash back on groceries, dining and entertainment. However, there are many venues that don't qualify and there seems to be no way find out what they are in advance of the charge. For example, I purchased a meal at the "Barnacle Cafe" at the Pirates Cove Water Park. I received only 1%--why? Also, I purchased tickets to the "Buntport Theater" (obviously entertainment) and the charge was classified as "other" and I received only 1%. If I had known in advance, I would have used another card because 1% is not a good enough cash back rate. So---how do I know in advance?

I've never been late on my card. Not ONCE. Had an 800+ credit score. Long story short, my bank funds got transferred to another account and so there was an insufficient funds in the account I generally auto-pull my Cap One payment from. Totally unbeknownst to me. This went on for THREE lates. 90 days. Capital One NEVER bothered to let me know. Just a couple emails that went to spam. Not a call. Not a text. Not a notification via their app, which I have on my phone. Done. Will change companies after this.

My son pays his credit card off every month. He went to use it again and they locked it! He called and they asked for a bank statement which he did. Card still locked! They wanted a letter from the bank,which he did! When I called asked for a Supervisor (which was Cody) He asked me a question then talked over me, after the 3rd time I lost it on him! I then apologized for losing my temper and asked him not to interrupt me. I then canceled one of my cards from them and said if they don't straighten out the issue with my son I will cancel another one! Why make it so hard to pay your bill? He is trying to build his credit!

I had a situation where I booked hotel rooms on what I thought was the Best Western website. I did not receive a confirmation of my reservation nor was there a record of it on my BW profile so I called to inquire and to make a couple of reservation changes. At that time, I was told that the reservations were booked by a company in India and was given their contact information. At the same time I received my CC statement where I was charged $2,900 in advance for the rooms. After contacting the company in India and being told that they did not make the reservations or charge me the $2,900, I put the charge in dispute. Capital One reversed the charge and a week later charged it back to me. They had confirmation from Priceline that the reservations were made through them. I was told to provide a written response and further documentation within 10 days or they would consider my case closed.

Would not recommend it!!! After making a payment and it completely clearing my bank account days ago, they still place a hold on the available balance and you won't have access to your funds for a long time after making the payment!!! My best guess is they do it so they can charge more on interest. I don't really know, but I'll never recommend them to anyone else ever again and will give them a 1 star every time!

I spent 3 days trying to make a purchase through a computer equipment vendor (CDW), who is a very reputable company. They continued to flag the purchase as fraud and were unable to approve the transaction. They also could not fix the notification process to notify me of the "fraudulent" declined transaction so I could approve it. I spent hours on the phone each day and they could not fix it. I asked them to tag the transaction a valid transaction and they could not. I had to use a credit card from another company for it to work. They sent me to multiple departments; I spoke to many representatives and multiple supervisors to no avail.

Too much misinformation provided by multiple customer service reps.. As a long time customer with great credit and never missing a payment I found their customer service lacks adequate knowledge of their own products resulting in multiple issues so all my accounts are now closed.. I'll do business elsewhere.

Capital One has good rates going for it on checking accounts, savings accounts, etc. The customer service is pretty poor. Today I filed and then cancelled a dispute due to a confusing payment set up on the part of a vendor. When I went to cancel the dispute I ended up getting farmed out to some sketchy "call center" in Costa Rica where I was speaking to a kid. No joke, a kid. I wonder, how many Americans that are looking for work appreciate a U.S. bank handing customer information over to a foreign call center to save a few bucks and increase profits for the over-compensated execs and share holders?

I love Capital One. My first unsecured card was the Platinum Card from Capital One, even without any credit score, I was approved and get an increase on the credit limit. Easy to work in the App and in the website. Great customer service. I opened also a 360 checking and Saving account. My direct deposit is credited to my account one or two days early.

I despise this company. They are shady and prey on young adults. I had a terrible experience when I was 18, ended up having the account go to collections. Recently an account I already held was bought out by Capital One, and I knew I needed to close it right away. I have multiple other credit cards, this is the ONLY one charging me a ridiculous rate, like 30%?! With over a 700 credit score. Then I found out that they charge interest DAILY for purchases! Might as well use a loan shark. What in the mafia?! Besides that, whenever I’d call in for assistance, I’d have to ask the rep to repeat themselves multiple times because their accents were so heavy I could not effectively communicate with them.

I overpaid my account by $7400. It’s been over 45 days that I’ve been trying to get my money back. I’ve talked to three different supervisors two weeks ago. I was told today a check was cut. The representative did some research and found out a check had been cut and it was simply mailed to the city. I live in with no address, no name, nothing Now I am told I have to wait another 15 days. It will be over two months that I can’t get my money back. Clearly Capital One hires people that are totally incompetent.

I’ve been a Capital One customer for years and have always paid on time. Recently, I asked for a practical solution to high ongoing APR or a plan to accelerate paying down the balance. Instead of helpful guidance or options (like a temporary rate reduction, a balance transfer offer, or a payment plan), I was met with dismissiveness and a complete lack of real support. It felt like they gave me the runaround, offered no alternatives, and essentially told me to figure it out on my own. If this is how they treat loyal customers who just need a reasonable path to less interest, I’ll be reconsidering where I keep my credit card business. Capital One, you can do better.

Scam. You will pay your bill every month and your balance won’t go down because of these outrageous interest fees. You are paying them every month and making this company rich. Don’t max out your card because you will never pay it off unless you pay it off in full.

I have a Capital One credit card. The credit line itself is fine. However, I have found the customer service wholly unhelpful. I am living abroad and currently don't have access to the US number I used when signing up for the account. When logging in to my online account, I was prompted to use 2-factor authentification, but they will only use a phone number and not an email address, so I was stuck.

My credit card is an Auto pay from Capital One. Most of the times I am paying them my Balance before it is due but this is the first time happened that they charge my Financial Institution (Bank) Twice. I called them that I paid them July 18 already and then I saw from my Bank statement they charge me again on August 11 with the same amount so they said I will get my refund in 10 days by mail. It is good that I monitoring my Bank Statement otherwise I am a loser here. I said to myself that I will not pay my Credit card balance in advance. I will just let Autopay do it.

Capital One credit card company has terrible overseas customer service representatives trained to tell you no. Capital one credit card stole $40 from me and would not refund it to this day.. I made my payment on the date that it was due not realizing they had an 8 PM cut off time. When you read your payment due on such a date you think that you have until 11:59 PM that day to make your payment but no not with capital one! So they posted my payment the next day, which made it late charge me $40 fee and then two weeks later changed their policy so you could make your payments up until 11:59 PM but still will not refund me my $40.

I had purchased a room through booking.com for Fourth of July weekend. The hotel I booked at had bed bugs and I refused to stay in that room so I purchased another hotel room at a different hotel that same night. My bf and I literally stayed in the room for an hour and thank god he noticed the bed bugs on the floor because we would have been screwed. Anyways, because I booked through Booking.com I knew I had to go to them to get the refund which I called booking that night, but they did absolutely nothing to help me. They said that it was through a third party company which makes no sense because booking is literally the third party company, so I hung up on them. Didn't get a case number because there was no case for they didn't help me! So I called up capital one to dispute the charge.

They charge the elderly late fees for paying over minimum payment due on the due date or slightly before due date and keep adding it up. When called they have people who can’t speak English and want to argue with you. They are ripping off our elders. People be careful using them.

I opened up a checking account with Capital One and two days later my title company wired funds into my account. The wire was in my father’s name so they opened an investigation to make sure there was no fraud. They told us my father and I could just go to the branch with our ID’s and we could then access our funds. At the branch on Merrit Blvd. They were rude and stated they needed to call the fraud dept. It’s been 10 days and we still have no access to the funds not to mention my direct deposit paycheck went into the account. This has caused my family and I tremendous financial hardship. Don’t bank with this company. Go to WF or BOA.

Called Capital One to pay off a balance. They refused to let me pay off the balance. Until the next month's billing cycle so that they can collect a month's worth of interest before it goes to 0 balance. Their customer services horrible. It's like they have no training. Every person you talk to at capital, one will give you different information and they'll always come back and say, well, the other person was wrong. They will do everything they can to squeeze every last penny out of you before they let you pay off your balance.

After 20 plus years with Capital credit card division they decided to reduce my credit exposure from $20,000.00 to $5,000.00 because I don't use the entire amount of credit monthly. I called to see if I might have done something wrong, They said no just reducing my credit amount because I don't use it all the credit I have available, I felt discourage, disappointed and upset all at the same time. I told them if they move forward reducing my credit amount that I will leave and take my business somewhere else. They didn't seem to care, they didn't even try to keep my business. So I applied with Chase business and they accepted instantly and gave me a $40,000.00 credit card limit base on my credit history.

Their customer service are some people that just learnt how to speak!? If it's the way they save money they should look for a different way before they lose all their customers. That's the hard way they'll learn it!

Called and never get a direct answer or resolve to my issues. Making payments and calling for verification, supervisors are impatient, rude and are able to end the call. I'm not wanting my credit score affected and when asking their processes they have tips and you have to locate documentation on their changes. I see why no one pays them but I won't have their lack of concern and rude interactions reflect on my score. Stay away!!

My husband applied for this card Aug. 14 last year. I logged in this year to close the account before the fee, but Capital One charged me the annual fee on August 9 — five days early. I called immediately to explain and request a reversal since it hasn’t even been a full year, but they refused. Very poor customer service and zero flexibility. I will not be using Capital One again.

Horrible company and terrible customer service. I canceled my quick silver & platinum card and paid off the balances immediately. Sick and tired of these companies using 3rd world countries that can't hardly comprehend English.. DSC Jville FL Disabled Marine Vet

Do not open a Capital One checking or savings account until you read this: My daughter started her first job, and my wife helped her open a Capital One checking account to assist with her finances. The card arrived, and direct deposit was set up. However, when the card didn't work, we encountered continuous "verification" issues. Together, my wife and daughter called six times, talking to numerous representatives and even their "manager", and interacted with the verification department.

I had my credit card info stolen a 2nd time in less than 30 days and I have to travel out of town so I need my card working. Cap One cancelled my card and did not tell me. Then I told Cindy emp #**- if that is her real id - to have an upper level manager call me identifying the root cause of the problem and identify corrective action. She said her manager can’t make outside calls. What BS.

I got remarried in August of 2020 and changed my name. I have updated my legal on all of my government identification and other accounts. However, Capital One is incapable of updating my accounts with my legal name. I have made several attempts, via online, phone calls and mail, to have this corrected. Despite submitting hard copies of the certified government documentation to them per the instructions their customer service representatives gave me on at least 2 different occasions, I have been notified that they are not able to update my name in any of these ways. Furthermore, they did not give me any additional instructions on how to get the name fixed.

I made an online purchase with a company that turned out to be very fraudulent. This became even more evident by checking how they scammed others online and the 1.2 stars they have across the board (not too different than Capital One). Capital One supported the fraudulent company in the dispute. They are not there for the customer.

Honestly I received one card. Didn’t even get a chance to use it and next thing I know I see my credit score, next thing I know never used it had a collection for over 400$ which I paid to get my credit score well. It was reported negatively. This company is a complete scam. They pay the actors so well but treat the customers awful. Two years later and it’s hurting my credit score. People go to your bank and ask for a secure credit card. They will help more than these scammers.

Down the shitter do not know the difference between a fraudulent seller and a dispute allowing thieves to operate with impunity. Soon as I get this done I am canceling all Capital One accounts including the 50K sitting in savings, enough!