Capital One Reviews

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.

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.