Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I've been with Capital One for years. I've always maintained a excellent payment record and have also kept a good credit rating. And I noticed my balance almost not even dropping month after month and I always paid more than the minimum due each month. So I called customer service only to speak with someone from another country named "Debbie" whatever! Whom I could not understand literally! After being told earlier that my apr rate was 22% I come to learn it was actually 28% and paying $100 a month only to have $30 going toward principle I asked about lowering my interest rate and was informed they don't do that! Horrible, Horrible company to do business with! GREED is what drives this company.

I finally paid the card in full and they sent another charge for me to pay interest because I didn't pay it off by a certain date. It was a huge amount of 2.37, I got denied a waiver of that amount and no reason why.

I have been banking with Capital One for over 10 years. Previously this bank was incredible, no over draft fees and pay two days early. However, now my direct deposit has apparently just up and gone missing. My company has been paying me to the same account for 3 years and no information has changed. Capital one states they never received it even after I've verified with my company that all account and routing numbers are correct. They are stating they also don't have to follow the federal laws regarding sending my money within two business days after 10 days of the investigation if the investigation is going to take longer than the 10 days. The lady I spoke to in claims was rude and horrible to work with. I will be leaving and changing all my direct deposits over to a new bank. This bank is an absolute joke now.

Capital One is a joke. They were good when I first started out but now they’re too serious about small mistakes. I wish I never had that credit card. All y’all did was mess my credit up. Scammers are everywhere. They hack my car more than once because I went online shopping and you hold me responsible for it. Wow all I’ve been hearing is good things about capital one. I haven’t seen it. Waste of my time even a plan for that car.

I activated a cash back Target deal online on Capital One Shopping, where I was supposed to receive $25 back for spending over $50. My receipt shows that I spent $51.66 but Target or Capital One reduced the amount to $49.05 in the portal to make me ineligible for the promotion. I'm surprised how corporations scam consumers in plain sight and get away with it.

They are thieves. I paid 849 deposited for a Capital One card. Now they are refusing to refund my money and refusing to give me the card I already paid for. Nothing else needs to be done but refund my money or allow me the card I paid for and they are simply refusing either and that is theft. Tried holding my money like blackmail. I hope the BBB shuts them down.

My wife and I set up separate accounts well over a decade ago. Most likely we have used our cards for tens of thousands of dollars do various purchases over the years. We discovered today while attempting to use my card for business that it had been placed “on hold” for no reason. We called and spoke to customer service agents that were unable to communicate fully in English and were unable to provide any reasoning for the hold other than “the fraud department placed the card on hold and sent a physical letter”. Unfortunately we never received said letter, so Capital One closed my account, thus reducing my overall credit availability and impacting my credit score. Their only resolution was for us to “reapply”, which again would impact my credit score.

Besides Capital One being the first company to give me a credit card, I have no good reason to stay with them. I need to switch to a credit union. Recently I became disabled so I’ve been having less funds than usual but I was up front with the finance department for my loan and told them everything right away and I was given an extension. The good thing is my family came through for me so I wouldn’t have any issues paying my car note. So I ended up not needing the amount agreed upon with the extension and I paid the full amount due each month.

I’ve had my Capital One credit card for a few years now the end of 2025 in December I switched banks and I honestly just forgot to switch over my payment for my capital credit card to my new bank account so when all the years I’ve had this account I’ve never missed the payment. My payments are minimum $25 a month due the seventh of every month of this credit card is only a $300 credit limit that I just use the pay my Google storage which is 299 a month. That’s the only thing I use it for because it’s a $300 credit limit and can’t go forward $300 so because I missed that one payment capital one has reported it to the credit bureau. Tell me why my credit score has dropped 89 points. A loyal customer. You’ve never reached out to me to say, "Hey is everything OK? We see that you missed your payment in December." That’s OK blah blah blah no nothing.

I’ve had two disputes with my Capital One debit card within the past six months, both involving false advertising and misleading pricing. In both cases, I purchased items believing the merchants were legitimate, only to later discover they were not. Before filing disputes, I made every effort to resolve the issues directly with the merchants, spending weeks going back and forth through emails. The responses were unhelpful, repetitive, and ultimately led nowhere. At that point, I expected Capital One to step in and take charge.

Capital One - A bank that understands the everyday situations & scenarios that we all experience; uses their leverage better than its competitors to make mutually beneficial decisions between themselves and us as their clients; I recommend this bank as reliable, trustworthy and believe in their responsible decision making.

Absolutely horrible for so many reasons; company should immediately be put out of business by regulators. Even something as simple and integral as online check depositing doesn't work and hasn't for many months.

Once I pay off this credit card I will be closing my account. This is by far the worst company to ever do business with smh!!!! People would always say Capital One is the best smh. They suck and managers don’t do the job at all!!! They will have you submit so much paperwork then just piss on what you called them for!! I have never in my life been this disrespected smh. I will no longer be doing business with capital one.

They will randomly send your money back but with no wire transfers to prove it so they still have it then close your account with no notification or reason why and the customer service is lazy and don't do their job.

Some merchants including Walmart reject their Discover card. What a frustrating situation! I don't understand how you changed to a new card that sucks. Of what use is a debit card to me if I can't make use of it?

They never raise my line of credit. I pay on time, never late, do everything I need to do to have decent credit but Capital One never raises line of credit even with a decent score. No late fees, always paid on time. Can't even get a 100 dollar increase. Big deal... Man now maybe time to leave. This company credit one raise it all the time as long as I pay on time.

I have a Cabela’s Capital One credit card. I use the credit card to get purchases at Cabela’s store. I had the capital one card automatically drafted out of my account and something happened and I was late for payment not knowing that it occurred. Now the account has been paid off for a long time and my credit has been wrecked. So I contacted capital one about this mishap and now nothing can be done. So as a customer I will advise others who use capital one, buyer beware.

Capital One doesn't value you as a customer. I was one of them for over 13 years with two high-credit cards, spending and paying thousands of dollars over time. My credit score is usually over 800, and yet, despite trusting them because of our years of business together, they denied me a Target's travel voucher twice in two years. It's simply inexplicable. I closed my account, canceled everything, and never again.

If they will allow zero stars I will but unfortunately 1 to 5. This bank think they are the FBI or something. I get my accounts restricted all the time because I made a deposit and they questioned me like I killed somebody. What a garbage of company

I will be closing my account. My company system payroll was now. So we was issued company checks. Called and of course it was, "No problem. You will receive your funds immediately." Now I receive it until the 15th because they saying my company that I work for is fraud. Mind you they can see the company has deposited into my account before. I asked, "Can you release just a minimum so I can pay my bills and get food for my children." They literally told me no. I have to wait until Monday to see if I could be eligible for a release of funds. I will no longer be a Capital one customer once I get my money release. They have definitely change. Going over with Discover. Never had no problems until now. You don't even have a bank where I can go in and cash this check but you determine that my company check is fraud. Yeah I'll be definitely be moving elsewhere!!

I have been a Capital One customer for 15 years and have been happy. Recently they took the debit cards networks Visa and MasterCard away and now the card can only be used with the Discover, Pulse, or Diners Club networks. For me it is worthless when traveling. In the city where I go in Mexico the nearest ATM or Bank that accepts the card is $50 miles away. I am VERY unhappy.

Capital One literally said screw you we ain't giving you no credit, no money back, nothing at all. after multiple calls that's the final result, so I think Capital One is the worst and if you want a credit card I would advise you to go to Chase. They are very very helpful, reliable, beware of dealing with Capital One

I have been waiting for a month for a check from Capital One Auto for overpayment on my auto loan. I just tried to call them and it is impossible to talk with a person. I am going to file a complaint with the New Hampshire Banking Commission. This company is the worst.

You can’t ever close account and they can ruin your credit. I paid three different times after making no purchases. So far I’m at $743. Do not and don’t get a Capital One unless you never plan on closing it. They can’t tell you what the charge is for and once you close your account you can’t see activity ..

Total SCAM credit card company. I received a no offer to get a Capital One Quicksilver credit card stating if I spent five hundred dollars in the first three months, I would receive a two hundred dollar cash back reward. I called them after several months after spending $1000 on the credit card. Paying the balance in full early and they told me I did not qualify for the. Reward which is a bait and switch scam. I am reporting them to the consumer report fraud company.

Worst company ever. Flagged my account for making a payment. It was an approved bank that I’ve made multiple payments over the past year. When I called customer service, absolutely offered zero help. Time to close all my accounts and go with a local bank. Ending a 20 plus year relationship.

Capital One, (USE TO BE), the only bank for me. Now, Capital One has FORCED me to leave them with a 1 review. I've been with Capital One since 2017 and even convinced family to use Capital One. The reason NOW for their 1 star review, they now using Discover. I could not use my card at three stores because for one: they did not accept Discover. Secondly, the card machines would say card error or deny the purchase. My money is all on this Discover card. I called, wanting a Mastercard, they only have Discover, with that been said. CAPITAL ONE WILL BE IN MY REARVIEW MIRROR. P.S. The day I was denied use of my card, the cashier said I was the 4th person I her line that was denied, AND BEAT THIS, the woman had to leave her entire buggy of food. Glade I had Cash App. Cash App has really improved their disputing and keeping you informed on their there changes.

They make customer service sound so good but when it come down to being helpful they can’t do anything except close the account. Capital One within itself is just a scam, they wait for you to mess up and charge you an arm and a leg.

I have had it with you **! Every month it's the same damn thing. I make my full payment on my card and you people constantly put a damn hold on my money. I have to pay multiple late charges. I have had to visit the emergency room multiple times because of you people holding up my payments keeping me from getting certain medications on time!!!! This is every single month and I've had it!!!! You people had better fix this crap before I decide to call my attorney and send him after you ** fix these problems immediately!!!!

Called Cap One 12/20 to request my 91 year old mom's last 3 statements. She gave ok to Mary to send to me. Never received statements. I call 1/1 to inquire and I’m told I need ok again. WTH didn’t Mary write it down in the notes. I’m following up not starting new. HORRIBLE.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

WHAT A NIGHTMARE-- FAIR WARNING AND BE ADVISED. 1-Better have a smart phone or when you try to activate a card from them; else they will put you thru to fraud control when you call!??? 2. Had a Savor card for 6 months now and it doesn't come up on my Capital online, however my other card from them does??? They never fixed that despite several calls. They killed my credit score by -15 points by reporting the same card in mention as opened today??!! Very painful and slow.

Capital One debit cards only work where Discover cards are taken - which is pretty much nowhere outside the U.S. They used to work fine, with the new Discover merger they no longer do. I got stuck in Mexico with no access to cash whatsoever. Was a content customer for many years, but I'm leaving Capital One because of this.

Paid off my car loan, was told they’ll release the title next business day. One week later they’re telling me that they need 5 business days after the payment was cleared before they would begin the title release. Scammers.

The worst bank I have ever had. I deposited a check and they are holding it for 7 days. This just outrageous. People got bills to pay. How is that even legal. They said it’s for your protection but in reality it’s not because we are the ones who got bills to pay, not them. The agents were useless, management useless. They told me to call on Monday at 8am. When I called they said that it was too early for them to call it was against policy. Do yourself a favor. Stay as far away from Capital One. They lost me as a customer. I’m just done with them and will tell all my friends to stay away.

They close my bank account due to keep calling for dispute but I’m the not the one who calling for dispute for no reason and waiting to call them is a long time period. They got people who try to talk that you don’t understand so they can get over something. They close my bank and now I don’t have a real bank card.

So, A word of warning to anyone who has a Capital One (Savor) or (Quicksilver) card. I have both card and recently had to file a dispute charge with Capital One over Amazon using my cards to pull Prime payments without auth. I told Capital One to stop Payments. However, after the payments dispute and card stop had happened I was told I would be receiving a replacement Quicksilver CARD. NO, Capital One decided that even though my payment history was fantastic and had no issues. They lied to me and in fact did no sent a replacement card. A new number was issued but no card was sent. I have had to make a payment now on a card number I don't have because I got a (notice of cure default) letter from Capital One for missing JUST TWO PAYMENTS. So do not get or trust Capital One. I certainly do not any more. I will be trying to pay down and get rid of these cards as fast as humanly possible.

Still the same issue… Still takes at least 72 hours for it to show on my available balance… Tried to add an external account. Told me to contact them for further verification. And even tho that card is on file to accept payment, I can’t add it on the application as an external account. Even tried calling them to to get it situated.. but they hung up on me once I said I wanted to record the conversation the same way they do… Smmfh…

Business advertises no international atm fees; got lots of people to sign up so they’d have access to their funds abroad. Then, switched to Discover network and screwed every single one of those international clients. My cards works nowhere and I can’t withdraw cash anywhere now.

I have had a Capital One card for 3 years and have never received a credit increase despite my payment history and income. This is the worst card and the rewards a slim if any at all. They only beg you to open accounts and download apps but the perks are never given.

Our experience has been generally positive with the exception of an unfortunate experience involving the purchase of a defective product. Even though we charge thousands of dollars per year without any issues, they refused to back us up in a dispute with a merchant and charge back the purchase price. This would had a much better outcome had we used another credit card from a more reputable company. Lesson learned: we used the wrong card at the wrong business.

This is without a doubt The worst bank I have ever been with. I have worked at the same place for 2 years. I have been with this bank for about two months. I get paid twice a month every time I get paid and deposit my check They always flag it and have to call the owner of the company I work for and ask him all kinds of questions and authenticate everything. And then finally, my paycheck hits the bank account. It takes about 3 to 5 days every time and this is every time I've deposited a check and it's the same check from the same company.

The worse bank in the world, please don't do business with this bank, look for another bank for your personal credit card or business card. They'll steal your money, be aware of them, I opened a business credit card, after I paid the fee 150 the next month they closed my account and they never refunded my money, they are robberies to the clients

I filled out for a credit card got approved received it October 26, 2025. Went to use it for the first time. Fraud alert, then they called me, sent a email asking for my ID social security card, 3 months of bank statements. And I still can't use my card

I'm so disappointed in Capital One. WHY would you think switching us to these debit cards was a good idea! It's only benefits YOU guys and causing frustration for us customers! This was definitely a downgrade debit card with no Visa or Mastercard logo wth. Why are you guys not thinking about the customer instead or your pockets! Cheap a## cards!

I have had this card for several years now. Always had made early payments with most of them over the amount due. Never missed a payment and never late. I have always had a credit score of over 750. They have consistently increased my credit limit which is now over $10,000 dollars. A while back I contacted them regarding my interest rate being high and asking for a lower interest rate which was at 21 percent. I was denied. This month I noticed that it is at 31 percent interest. WTH. I am in the process of cancelling this card and will never use them again.

Capital One posted a Regulation E provisional credit to my account but blocked all access to the funds for more than 60 days. The money appeared in my available balance while the bank simultaneously restricted withdrawals, transfers, and purchases. This caused real hardship, including missed medication and delayed medical treatment because my prescriptions and co-pays couldn’t be paid. I also went two days without food because I had no access to my own money.

I paid my electric bill using their bill pay, they sent the check to me instead of the company, then I was told it would take 20 days to investigate, in the meantime I was to receive a provisional credit, which has not happened. These people cause me lots of stress. I had to pay the bill again using another method, so I could keep my service on. I talked to several people, and never received the same response. I am done with is so called bank. Then their credit card sucks, if you ask for an increase, it is always no, with lots of negativity, but it is easy to get the card. I think they scam people. You can easily ruin your credit with low charges amount, if you use too much. I am done with their card and checking account.

Worst experience I have ever had with opening a checking account with them. Will never bank with them again. I opened my account and had my check direct deposited… well I can’t access any of my funds because my debit card hasn’t gotten in the mail and they will not let me have access to my virtual card which most banking apps have and will let you use. So I called customer service and they said, "Well why don’t you just send all your money through Zelle." So I tried and it blocked me from doing so because of fraudulent activity??? I have never used it before and only did what they asked so now I have no way of getting my money until my card gets here which is in 5 days

Don't know where to start, the experience for the last 3 years has been daunting, from fraud charges as many as 5 in one year, to the last dispute. Sent paperwork to you for the dispute a week before it was due and you said you didn't get it, but my tracking says you did and now you have charged me back. The person I talked to was more worried about how upset I was than listening to what I was saying and continued to escalate the issue. As soon as I can find another card for my business I will be leaving you after 10 years and 40,000-60000/mth in charges on your card. But it is obvious after this last issue you don't really care!!

I recently had an unpleasant experience online while using google search to locate a website. After selecting the link I was taken to a page requesting credit card information for ID verification. I used a virtual card number for the transaction. Almost immediately I received a popup for the bank asking me to verify a purchase of ~$50. I answered no and the transaction was declined. It then immediately cancelled the underlying card and issued a new card. I've never seen a bank respond so swiftly to a security breach in my life. Thank you Capital One!

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.