Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I'm extremely frustrated and feel like I have no choice but to leave a review. My confidence in Capital One is at an all-time low. Since they took over Kohl’s, I now see two accounts, one of which isn't mine. In total, I have four accounts in good standing. I called to report the incorrect Kohl's card, and what did the representative do? She ended up closing the wrong card! I even spoke to a manager, but that didn't help either. Now, my card that's in good standing is essentially unusable, and I'm still trying to sort out this second Kohl's card. Seriously, Capital One, get it together. It's frustrating to feel like I'm not being heard.

I have submitted 5 legitimate fraud/dispute cases and none of them have ever gone in my favor, compared to legitimate banks like USAA, Bank of America, and Local Credit Unions that consistently do go in my favor on the rare occasions that I need to submit reports.

Constantly declining charges despite there being money in the account and when I call customer service, they acknowledged the issue but tell me there’s nothing they can do about it. If you want to not be able to access your funds and have your credit impacted by declined auto payments, by all means, go with them.

I am going through a divorce. Trying to get my address and phone number change is like moving a mountain. I deleted my banking information from my credit card apps and added new banking information. The auto pay still tried to bill my old account multiple times causing me NSF fees. After they realized it was THEIR MISTAKE, I was told it will still be reported to credit agencies because they have to report accurately. Not telling them that you messed up and not me is not "accurately". Then I got a fraudulent charge and I called them. Luckily they denied the transaction and cancelled my card.

Capital One is still up to their tricks. They recently settled their $425,000,000 lawsuit after bilking customers out of over $2 Billion. I opened a 360 savings account in April of 2025 because they promised me a $1,500 signing bonus if I opened an account that day only. I did and they made me wait 106 days for half the promised bonus. After almost an hour of arguing with management, I closed the account taking all my money somewhere else. I even cancelled two credit cards with them. Everyone should avoid this bank entirely. Check the reviews for Capital One, they are rated 1.2 stars out of 5.

Capital One was very first credit card I owned. Sadly went downhill fast. After a few months started noticing the company/auto call kept reapplying an incorrect bank number and putting it through to pay off. I tried to resolve the issue many times. I was surprised they didn’t give me a heads up that the number was incorrect from the previous one. After many talks they refused to help fix an incorrect bank number that I’ve been trying to get them to correct but kept allowing it through after I told them not to. Thus they had caused more suspicious activity on my account.

I can not say enough good things about this bank. They are a bank so of course they are profit minded but they have always been very helpful to me and my family. Our electric company withdrew our payment 3 times in one day and refused to do anything about it. I called Capital One and had the money back in my account within the hour. It was easy to speak with a person and get the situation handled. Can't say enough good things!

Worst credit company ever. They send me a bill for $ 90.15, for a store charge that happened at 7:00 am, where store itself opens at 8:00 am. When I tried to report a fraud, rep kept telling me that I have the card in my possession, so it's me who did the purchase at the store when it was closed, how stupid is that. They treat customers poorly, doesn't matter how long you were with them, still no trust or respect to the customers.

My husband of 50 years recently died. I handle all the financial matters in my family. They wrote that there was information needed to 'settle ___ 's account'. I called and asked to describe the type of account they were talking about since I didn't know about any. They refused to tell me. I had to submit to them a death certificate and trust information and have it notarized (costing me money). I am presently requesting a corporate answer or I will submit it to an agency review. I have a right to an answer about the kind of account we are talking about before I hand over information to them.

In order to receive my reward I was required to make 2 or 3 deposits over $500 by the 3rd week of june and I made 4 deposits by the deadline and still no reward. Was to 2 different things by 2 different workers. One said I should receive it by mid-end of september the other said by end of august. Unacceptable when I held up my end. I will be telling people do not open an account with Capital One.

Seemingly this is ongoing. Your reviews are the lowest in the nation. So my wallet was stolen, the payment didn't go through because I stopped everything. I called them and removed late fee because of this and paid, and then my account was closed next day. Jump off the ledge with your business. I will not even accept capital one at my place of business anymore. Rather a lawsuit than have your business.

I've had 2 cards with them for several years. Their reliability is non existent. They're efficiency is a joke. They are so devoted to proving everyone is a criminal that they refuse to even work with their own staff. Trying to prove I wasn't who I clicked to be they locked access to my cards, refused for three months to send me paper statements, and refused to accept proof of identity sent by their branch manager to their "fraud department" because they claimed they couldn't prove it was coming from the "actual customer."

I have carried a $0 bal or credit for over a decade, 800 credit score. McAfee charges for software I have never purchased use. Every year I dispute, it comes back. Capital One refuses to block the charges. Capital One takes the side of a credentialed fraudster over a valued customer of more than a decade. I cancelled my card.

Capital One fraud department representatives are rude. I don’t care about their customers after a customer discovers fraud on their credit card. I have had a visa card with this company for over 30 years, have perfect credit and a 840 FICO score. Once you report fraud on your visa card, after you receive your replacement card, every time you attempt to use card to charge for goods or services over the phone or online, all charges will be declined by Capital One. It won’t matter how many times you call to get this corrected, once you have reported fraud on your credit card, you will never be able to use it again, except if you have the card on you and present card in person.

Captial One has been using deceptive practices, deceptive strategies, being unfair and using loopholes to take pure advantages of their customers and consumers when it comes to late fees. They are using Visa and Master Card systems paying a service fee to them for using their networks. They are being charged $8 for late fees but are charging me and their customers $40 for late fees. By charging these excessive fees it's working in their favor at the expense of their customers and consumers. This is an unfair, deceptive and misleading business practices and if you are an victim of late fees, please report them to the Consumer Financial Protection Bureau (CFPB) and get your coins. Start taking back your power when you figure out what these major credit card issuers are doing. You are owe money for abusive practices. We need to go on strike and stop using Capital One.

Absolutely horrible, they sent a card in the mail saying I had a 1500 credit line, then I went to apply and it was only 300, cancelled it because they lied after I applied and then they hit my credit score, as far as im concerned capital one can burn, I will never go back to them every, if you respect your credit score then stay away from these lying scum

I had been receiving emails and letter regarding contacting Capital One in order to verify certain customer information or else they would freeze or cancel my accounts, so I called in and they asked me ordinary questions about my income, address, and identity. I thought it was all over, however the emails kept coming which I ignored. Next thing you know they had frozen my accounts. I called in and explained to the customer service personnel what my experience had been and they promptly verified the same information. He unfroze my accounts then assured me that it wouldn’t happen again.

I recently had a terrible experience with Capital One’s customer service. As a minority woman and new business owner, I opened a business account and was asked to verify my business name, which I promptly did. Despite this, my account was closed without explanation. When I called customer service, the representative, "Shakila", vaguely stated it was due to “the rule governing,” and repeatedly referred me to their website, which only contained general information. When I asked to speak with a manager, she claimed no one was available.

Horrible customer service and Terrible understanding.... The company will not waive a late charge to get your balance low to pay off the card... This shows, how the Owners want to keep you in Debt and not care if you are trying to get a 0 balance with them... They want the late fee and refuse to waive it... So they will get 25.00 for the 1st month and send it to collection and I'll settle out for pennies on a dollar...

I have always paid my bills in full at the end of the month. They shut me down with no warning. The reason? I switch banks to pay the cards on and they drew the payment from the wrong account. Once I realized what happened, I fixed the payment account, and (surprise surprise) paid in full! They still closed my accounts. I will not longer do business with such an unprofessional and scrappy organization again!!

Capital One is a bad credit provider. Opened an account, used one month then they restricted it. I owed them nada. Paid on time my full balance. Not able to use again. Now they will not close the account and remove from my credit report. They continue to expect me to jump thru imaginary hoops for this miscreant, unusable card. I am an American citizen, all my 74 years. They treat me as if I am a criminal, though I have NO criminal history, maybe a speeding ticket 40 years ago. Do not owe them, do not want to hear from them again. Sorry I ever requested a credit card from them.

Worst bank. Abusive with loyal customers. Stay away. Racist company. They don't treat people with respect. Don't believe them. They will not help you. You are just business to them. Just a number. Nothing else.

Capital One 360. Misleading Bonus Offer and Unprofessional Customer Service – Beware! I want to warn others about my extremely disappointing experience with Capital One. I received a promotional offer stating that if I opened a new debit account, deposited $1,000, and kept the balance for two months, I would receive a $300 bonus. I followed every step exactly as instructed, using the specific referral link they provided. I kept my money in the account for the full two months, expecting the promised bonus.

I have a Capital One Quicksilver card! They had me on the phone almost an hour having me call both my banks just because I made 2 different payments with 2 different banks! My banks didn’t question the payment, yet capital one did! Absolutely RIDICULOUS! It was EMBARRASSING calling my banks with a 3rd party to verify my payments! Mind you this was NOT the first time I made 2 different payments! They even restricted my card! FOR MAKING MY PAYMENT ON TIME!

I've been a customer of Capital One for years, & they have always treated me fairly, had 1 other credit card w/ them after paying that one off & closed that one. Opened Up the Quick Silver Credit Card. Never had an issue w/ their customer service, they closed my account immediately when I told them my card is missing and sent me a new one, increased my credit twice. When I have a problem with transaction that is put on card without my permission, Capital One did a dispute for me and gave me a temporary credit. I've never had an issue with Capital One disputing it for me. Capital One have always sent me text message & email alerts about my transactions, email me about scams. I don't know about other customers, but I've NEVER had an issue with Capital One.

Did a balance transfer and balance went to 0. Hadn’t use the card since now a balance came back. Not happy will not recommend capital one to anyone. Been on the phone several times where I was promised everything was squared away. Not good business.

I have been a customer for years. I had a high balance that I recently tried to pay down with a lower interest rate line of credit I had. The payment cleared and then a few days later they refused it, restricted the card and the fraud department called me. I explained it was my payment from another source. They requested a bank statement from that source proving I was the account holder. I provided the requested documentation. I still have to wait for them to investigate. I'm trying to make a payment not make a charge! In the meantime they get to charge me interest on the high balance. I think Capital One is really sketchy for doing this. I'm really disappointed. Negative stars if I could.

I was scammed, someone used my name and address and ss number and Capital One customer service called me and I told them that I didn't apply for credit card they didn't believe me at all, and they put it on my credit report, this is wrong my credit score went down, I want it taken off. I do not owe no 222.00 dollars, When I got the card I cut it up and threw it in the trash, capital one none to mess up people credit, they have bad business, I want the derogatory taking off my credit report, they are not a good bad to deal with, I have never dealt with this bank before, I will not recommend this bank to my family and friends, they don't care about customers. All they out to ruin people's credit, they don't take their actions, the account number is **, it was open 10-09- 2023, karma will come back to them. What goes up must come down, I need it to be removed from my credit report.

Stay far away from Capital One. They allowed charged to go through on a closed credit card account that was CLOSED A YEAR AGO 2024 and now I am having to dispute and fight the charge they allowed to go through on a closed account.

My payment rating is 100% on time. I requested a credit increase and was denied along with a reduction of $2,300.00. A nasty, irritating Bot voice will not transfer you to a representative to make the decision.

Absolute clown show! Do not waste your time or energy banking with these individuals. I will never, for the rest of my days, give this company a single penny. They have zero customer service principles, so when you need to talk to them, you are treated with such disdain and rudeness that you will wish you never opened your account. Save yourself and turn around!

Had a fraudulent charge from a fake vendor with no business license. Asked 3 times for more proof and dismissed hours of efforts as "unaddressed". They seem to be rather siding with criminals than their long time customers, They are crooks - look somewhere else.

A new card was to be sent to me because of fraudulent activity. After a week of frustrating calls to customer service people in Nicaragua and the Philippines, they could not tell me why I hadn't received a card yet. Excruciating waiting and talking to such stupid people! The fraud department person was also in the Philippines.

I paid off my Capital One card in full, in June. Now they want to charge me an interest fee for July. They are claiming that they can't take it off, my account. Well they are going to have to eat it, because I am not giving them anymore of my money, they took enough. Do not get a Capital One Credit card, their reps are rude and do not care about their customers. They will not help you with anything at all. They are scam artists plain and simple.

This company is so bad!!! I sent my payment on time, but they posted it to the wrong account! Don't even try to call their phone number. They act like they can help you, then put you on hold. When they come, I find out all they can do is transfer it to their investigative department. I was told after they investigate they will make a decision and notify me BY MAIL IN 5-7 DAYS?!?! Absolutely the most UNPROFESSIONAL credit card company I've ever experienced.

I’m extremely disappointed with Capital One. I’ve been a loyal customer, always paying on time and keeping my balance at zero. However, their customer service is awful. They don’t listen, take forever to respond, and don’t help when disputing charges. They send you to other companies that won’t assist. I’m really frustrated and grateful I have other companies that actually care about customer service.

It's sad, I was one day late with my payment and they charged me 25 dollars. It's the first time in almost 10 years that I was late. I use to tell people that I like Capital One, now I let them know they are so hard up that they charged me 25 dollars for a ONE day late payment of less than 60 dollars. When I did make my payment it was not 60 dollars it was 100 dollars and the late fee. What I am saying is using Capital One for as long as I have means nothing to them, all they see is $$$$.

I've had my Capital One cards for years. My limits are $300/$400 respectively. My Credit score is over 800. I'm denied increases due to not using their cards. They are the ones preventing me from using them. My highest card is from my credit union at $25,000. Guess which one I use the most? I keep my C1 Cabelas and Platinum card simply for credit age.

I applied and was approved for a Kohls card (issued by Capital One). Expected delivery date of card was July 2, 2025. On July 3rd, after no card I call Kohls and spoke with Juan who stated give it a couple more days. Today, July 12th, could not speak with a live person from Kohls, so I decided to contact the issuant of the card - Capital One. I am really beginning to believe this card is a scam or something. I have 2 credit cards with Capital One. Spoke with Rebecca from Capital One, who was very rude and impatient stated the card is sent through USPS. It's their problem, not Capital One. She asked if I wanted her to cancel and reissued another card. As I was trying to question the situation, she became irritated and begin speaking over me. That is unacceptable. I became irritated and replied thank you Rebecca, I choose to no longer have a conversation with you and ended the call.

Omg. Today 0711/2015 I had to make a simple phone payment. I called like 5 different times. None of the girls that answered could speak English!!!! Their accents are horrible and hard to understand. Finally I got a guy name Johan - we did everything within 3 min. Johan is the best . But those girls are like robots, they talk and talk and talk… and whatever they are saying it’s hard to understand. They can’t even spell Alexander!!!! It’s horrible. Check my records and you’ll see how many times I called today. Please hire people that speak English!!!

This is the worst customer service I have ever experienced. because of their error, and unwillingness to show any kind of urgency in correcting it, my credit score has gone down 30 points. I talked to 3 supervisors today, all of which advised me to make a payment if I don't want my credit affected. The problem with that idea is that I should have a zero balance, so I'd be sending them money I don't owe. I can't trust them to fix my balance after a month, but they want me to trust I'd be refunded money that I don't owe them??? They are a joke. A very bad joke,

After building my credit with them for 2 years they close all of my accounts due to inconsistent behavior. I never missed a payment. I educated myself on my credit and how to grow it. Been working on my financial stability for years. But they didn't care. They just crippled me financed with no wrong doing of my own and all they can say is, "Sorry. You can reapply." They were great in leaving me alone while I worked hard to build my credit but the fact that they just decided that I was not worth. The rewards of my hard work is very concerning and if you are trying to build your credit and gain financial stability. I would look elsewhere.

I was connected to a person with Capital One in America and she took care of all of my issues.

Well, no option for zero rating so my one star is overly generous. My credit card was restricted for “fraud alert” after family member paid off my account in full! After calling customer service and later asking for supervisor (all with heavy foreign accents) I’m told I need to get on a three way call with family member to verify her bank payment. Why can’t Capital One “fraud” department call the bank in question to verify account identity? Why does Capital One policy prefer to harass its long term (20 years plus here) customers by insisting on ridiculous three way phone call as if we are adolescents in grade school? I asked this very question of supervisor but got nothing but robotic restatement of this inane policy. I’ll be looking to take my business to a real financial institution that knows how to value their customers. Capital One are you reading these dismal reviews?

I've been calling since Feb 1, 2025, asking Capital One to STOP sending me PreApproved Marketing mail. Guess what? I'm STILL receiving them 5 months later! The recording states the calls are recorded for quality & training, BUT I'm guess NOT for doing what the customer asks!! Ugh!! So frustrating!!

I have been a loyal Capital One customer for over 20 years. I have credit cards, checking, savings as well as CDs with this company. I made a purchase through their shopping app for a VRBO stay which promised 12% cash back. Never received the cash back. I could go into a lengthy discussion of how customer service did not help, but I’ll just say all I got from customer service was the run around. Capital One really needs to step up their customer service and stand by their customer. It’s time to look for a different banking option because Capital One doesn’t help their customers.

I had a Autofinance account with them and it was closed with gap insurance. It underwent maintenance then was reopened and a balance of $500 added. I would say, do not believe any of their customer service, they just lie to you. Now I have to dispute things with credit agencies because they did not have their financial sorted out in the beginning. They honestly did not do their job and have continued to screw up the entire time. I wouldn't do another step of business with them.

Didn't give me joining points because I was off by $50. Capital One Shame on you for treating a longtime client like you did. I'm beyond livid and will be cancelling all my accounts with you but that doesn't matter anymore, we are done. You saved yourself a couple of dollars but you lost a lifetime client. #capitalone

They sided with TruGreen when they charged my debit card without my consent. I had my life savings in this bank, profiting off me, and they decided to side with a shady business! They lied and gave me the runaround when I disputed the charges. I moved my money out of that useless bank!

I've been using CapitalOne since 2017 and always recommending it to families and friends literally every single time banking and savings are discussed. Currently, I have 5 accounts with CapitalOne. I was wondering why there are so many negative reviews, yet I didn't have any issues with them and thought maybe customer service was really bad - and I don't really experience it since I am mostly doing online banking.

Capital one charged me $10 every time I used Venmo. They said it's cash advance. It's not. I pay venmo, who charges me 3% fee to use my credit card, and then I pay for my purchase. Total rip off. Anybody for a class action lawsuit???

Your card gets compromised. It gets cancelled, and you need a replacement. They send you a text message to confirm it is actually you. Then they want you to take a photo of yourself and send it to them. Now, if you don't text and are using a flip phone, as some seniors are still doing, you are in for major problems. Plus, they will not give you the new number so you can update the necessary items such as Amazon, tunnel tolls, Netflix, etc. You must wait until the new card comes in the mail. It really is a stupid procedure. With Costco Visa you can accomplish everything online immediately. With USAA, they will overnight you a new card. With Capital One, they will mail you a new card when yours expires but when it is compromised, they could care less about helping you resolve the issue expediently. I only have this card because I belong to BJ's and if it wasn't for that membership, I would never ever have a Capital One card.

Capital One is a predatory company that hides behind their policies and procedures manual. If I could’ve given them a lower rating, I would’ve. Have a Quicksilver CC. Received my June credit card statement showing the balance due on the acct. Paid the balance in full. Haven’t had any transactions on the card since paying the balance owed. This resulted in an account balance of zero (0). I received a statement for the month of July with a balance of $2.67 for “interest only”. Customer Service Rep informed me the balance on my June statement wasn’t the “payoff” for my account. What?

I’m issuing this alert based on a troubling experience involving Capital One’s fraud handling process. After compiling extensive documentation for a disputed charge of $300, my claim was denied despite clear evidence. Based on my professional background in fraud detection and internal investigations, I believe Capital One’s Fraud Department lacks the rigor and responsiveness one would expect from a financial institution of its size.

I DO NOT RECOMMEND THIS BANK! This is the worse banking institution for a personal account. First of all they have NO courtesy overdraft like most banking institutions. If you are over by $0.01, you are declined. They do NOT do partial release of check deposits like of banking institutions like Bank of America, Fourleaf FCU, etc. And even if you deposited a government issued check and call to get it verified for release in an emergency situation, you are in trouble if that check was deposited on a holiday or a Friday, because you still have to wait until Monday to get your funds. As a social security person, THIS BANK SUCKS! They have courtesies in place for loyal customers and NO customer satisfaction procedures. THEY DO NOT CARE! You could make the same deposit every week to month for years and they still will not release your funds on a loyalty customer! Looking for a new bank now!

Capital One sent me a balance transfer offer of 0% for 12 months/3% transfer fee. When the transfer was complete - they applied another offer to my account that was not in my email offer. They would not honor the transfer offer sent to me. Customer service was horrible. Canceled my card - staying with AMEX. Just another bank trying to take advantage of us.

I tried to make a large late payment for my son’s California power bill. Capital One declined the charge with no notice to me and set my account up on a restricted basis thinking I was committing fraud. I have called them 9 times and I have sent 3 different copies of my son’s power bill as the fraud department requested, and so far nothing has been done in 3 weeks time. I asked to talk to a manager at Capital One and they will not transfer me, saying the managers don’t talk to customers. It is the worst service I have ever had. By the way, the payment/charge for my son’s power bill went through immediately using my JPMorgan Chase credit card. I would give Capital One zero stars if I could.

Capital One will not give you more than 1 debit card. I have multiple CHECKING accounts. But they will not give you a separate debit card that accesses each account. You have to contact capital one EVERY SINGLE TIME you need to access one of your other checking accounts. It’s inconvenient, a hassle and as a customer I should be able to decide how many debit cards active I can have. Not HAPPY. Then when calling to express my concerns there were several CSRs that were rude, they interrupted and never provided additional support.

Travelled to Italy. Wanted to make large dollar amount purchase. +1,000.00. Card charge denied. Daughter had to use her credit card. Received 2 emails later. Did I authorize a +1,000.00 charge on my card. I replied yes. Card unfrozen for 1 day. 2 days later large charge denied again. I used my American Express. Card frozen due to fraud. Have been in US 2 weeks. Scanned and also photoed driver's license 5 different times. Each time a heavily accented representative said my images were blurry and unacceptable. The 6 phone call, I requested to have my card cancelled. I didn't believe there was any way to resolve submitting proof of identity. Unbelievable.!!!

The credit cards are managed by a 3rd party company. Restrictions were put on my card because I made too many payments. I wanted to keep a 0 balance. They wanted my banking info such as pin# and pic of my Social Security card sent via an email link. I thought this has to be scam but I was calling their direct #. You can't go to a physical location either because the staff can't help with CC cards, only checking / savings account. Worst customer service, they can't help with anything.

This is one of the worst credit cards to have. The interest rates are ridiculous and never go down. Customer service is useless. I’ve been a customer for over 10 years and my interest is still high. Ugh.

I’ve been a credit holder of Capital One for over 10 years. Totally financed and paid off car through them. High credit score. Never once if I had my credit line increased and receive habitual notifications to sign up for other credit cards. When applying you’re told you are denied with very little and cryptic responses. Do not finance through them.

I had a Capital One checking account linked to a checking account from another bank. Last year, I closed that external account for security reasons and opened a new one. This year, I opened a Capital One credit card, which was automatically linked to the same online profile I previously used for checking. When it came time to make a payment on the new credit card, I saw a checking account already linked - so I used it without thinking. Unfortunately, it was the old, now-closed account. The payment was rejected. I immediately corrected the error and paid from my new, valid account.

Awful experience for me so far. I got the card and did not get a notification like I thought I would for my payment until it was late. It was due on the 11th, I got the notification on the 12th and paid my entire balance plus a $25 late fee. The site says payment typically posts same day if paid before 8 pm. I had paid it in the morning. 4 days later and still nothing. I call in and they say since it's my first payment they sometimes hold payment until they get money from my bank. Well my bank sent the money the next day and switched from pending to posted. They then said it will not be applied to my available credit for 8 days from my payment date. I can guarantee they have my payment already. Once my bank says posted it would take at most 1 day for them to have my payment. I called in twice and they Said typically your payment is applied same day. To which I said yes it's day 4. Well typically.

My card was used in a city 300 miles away in a business that I have never been in before. $ 566.00 for I don't know what. I disputed the charge and one day later Capital One informed me that they believed that myself or a family member benefitted from the purchase. What?? No explanation and when I tried to reopen the dispute with the reason that I didn't receive anything from the purchase, they refused. If you have a problem with this card they will not help you.

Avoid Capital One at all costs. Even if you're a great customer they refuse to lower any interest rates. They're ridiculously expensive and their customer service? Absolute CRAP!!! Unless you like talking to people in India you can barely understand.

Capital One are the biggest liars, don't bank there. They need a lawsuit brought against them. They hold your money from you even though it was a transfer.. They lie about getting paid 2 days early to get business, that's a lie also. The most crooked bank I have ever dealt with. I also got hung up on. Really great supervisor there. Don't bank there unless you're desperate, go to Chime.

Capital One lost a stellar customer today (830+ credit score) over a $19 annual fee. I don't use/possess any credit cards that carry an annual fee, so when I saw this pop up on my most recent statement, I called customer service to have it reversed or transfer to a different type of card that doesn't carry an annual fee. They refused any and all requests I made. So, over $19 lousy dollars, they lost a customer.

I have been with Capital One since 2012, I went to use my card at the end of 2024 just to find out my card had expired and they never had sent a updated card. I called to request another card and it never got sent out or I never received it. So I called in March of 2025 to notify them that I never received the card so they sent another card changing the number and sent it fedeX.

I made a mistake giving my information to someone I didn’t know physically and it was a way for this person to get her money back. This person made frequent charges almost everyday since April to May. I was getting depressed about it and the credit card is now restricted and I had to file for a fraud claim. I had to send them the unnecessary transactions, my information such as ID, SSN, and the statement I made with the police on base. I had to wait for a week and a half. I got mail from Capital One saying they completed the investigation saying I have to pay $1114.82 and it was the person that was paying for it. Now I don’t think they checked it through my statement carefully and I was scammed. I’m getting frustrated with Capital One and planning to close the account.

I reserved an RV for the week May 8-16th. The suite was listed as $225 per night. When I got there, I checked on the internet, now for the same week, the rooms went for $125 night. I went to the manager of the RV Park and complained. She said since I reserved the room at that price I had to pay that. The room was suppose to be $225. They charged me $271.00 for 5 nights. I disputed the price and sent all the documentation into Capital One proving what I paid and the actual cost of the room for that week. I never signed for the room so they didn't have my signature at all. I was only disputing the difference of price.

I've had a CapitalOne credit card for over 15 years. Then I was recently approved and opened a new CapitalOne credit card through BJ's. CapitalOne contacted me to request proof of identity and proof of residence. I promptly uploaded all the documents they requested. I uploaded my NY State Driver's License as proof of ID, a few other documents that prove my identity as well as a Con Edison invoice as proof of my residence.

They do not let me take cash advance even it was authorized. Do not waste your time to apply for this scam company. One star because zero is not allowed. They want to charge me for text message. I try to close my account it took 20 minutes. I hang up. Never again.

Absolutely terrible customer service. I had a pretty large credit balance on my card due to a refund so I was using that credit for purchases. Without my consent or knowledge they issued a refund that I never received. I wasn’t checking my statements because I knew I had money to use. When I finally checked it had been 2 months and I received 2 late fees.

If you're applying for Business credit card, good luck for your approval. As per bank norms, it may take up to 2 weeks for decision. No supervisor will help. Look for provide who can give you instant decision, so that your business may not suffer.

I had an existing account with Capital One. I opened, or thought I opened, a high yield savings account. I could not see this new savings account in my existing account (I still cannot see it). There is NO easy, straight-forward method to contact Capital One for support aside from calling... which takes several minutes of answering questions from a robot, which is frustrating in and of itself, before I can speak with a human being. The first support representative could see my new savings account and said it would take a few business days to show up. It's been over a month. I think what they have is good; I just think their customer service is extremely lacking.

Capital One is the worst company to have any kind of credit with. They do not care about their customers at all. I have 3 accounts with Capital One including 2 credit cards, a Personal card and a business card as well as a business checking account. After 3 years they still will not allow me to have a credit increase on my business credit card. I have applied 5 times, and they have denied me every time.

A message to anyone that wants to use Capital One or has Capital One the payment processing is a trap, payment made but money not taken until days or maybe Weeks later. There is plenty of time for money to come off of cards before the payment is taken by Capital One leaving you short for their bill. Can not make simple quick payment.

Dishonest bank. Misinforms customers. Corrupt. Late Fees and Interest Charges. Customers pay accounts in full - receive from Cap One Confirmation Number - but then - Cap One takes Days and Days - to process the Payment. CapOne web page states Instant Transfer. Hocus Pocus. Why Days and Days to process a Payment? In order to Create a Late Fee. And Hopefully - Interest Charges. I would guess Cap One makes a Lot of money on dishonest ill begotten Late Fees and Interest. Sad Sad Sad. It's not Cap One employees' fault. It is the Bank Officers - at the top. Corrupt Corrupt. No recourse. "I am sorry (customer), there is No Option available to me to consider your (customer) complaint for Late Fees and/or Interest Charges. I will give you a Case Number but your complaint will not be processed by anyone."

Capital One has extended credit to me when no other bank would. Even after I had extreme circumstances in the past that caused me to default on a Capital One card, they approved me again in a couple years when I got back on my feet! Their service has always been top notch. Never one issue. App is so easy to use. Rates and fees are very fair. When someone like me has lost their daughter to suicide and had much more happen to set me back financially this kind of company is a godsend! Thank you Capital One!

I was told that there would be no inquiry or effect to my credit score, I went from 801 to 780. Straight lied to me for a baby credit card. I'm really upset and I don't need to be lied to, what kind of business are you running.

I received an invitation to have a cc with Cap One for $400. And if I wanted it higher I could pay per to double it so I sent them $400 to get an $800 credit limit, anyhow it was during President Trump's first term, I always paid my card up monthly and I had the card for over a year at this time, well I donated $45 every two weeks for Trump campaign and made it Auto pay so they just took it every other week, after I paid up my bill I tried to use it later that day for something and kept getting declined so I call and found that my card had been canceled by Cap 1, so I talk to the manager in charge and it was a ** woman. Very rude, mean and then some. I asked why my card was canceled and she would only tell me it’s at Management discretion to do so, no explanation or any just those words..so I just said, "Well ok your company is a rip cause $400 of that is what I paid and should get back." And was told there are no refunds.

This is not a Company you want to try and rebuild your credit. I got a 200.00 prepaid card. Interest rates 24.00 a month. Ridiculous!!!! And then penalized me for not keeping a 200.00 balance on the card at all times. So November of 2024, I paid the remaining 56.00 dollars and closed the account so I thought. The Lady I was dealing with even mumbles under her breath, "Yeah that's messed up." They never closed the account, never notified me that payments were being returned, I had to go to my Bank and remove their account from my Debit card. They never once sent an Email, text, or any correspondence stating they were still charging me and the account is delinquent. I'm hiring an Attorney and will file Bankruptcy before I give these Parasites another dime... Read the Extremely Small Print, yeah the part you need a magnifying glass for.

Capital One has held a wire transfer my cousin sent me for over a year without releasing the funds or returning them. Despite complying with all of their requests — including providing a “hold harmless” letter — we’ve been met with nothing but empty promises and endless delays. We’ve made dozens of calls, sent multiple emails, written formal letters, and even filed complaints with government agencies, but nothing has moved the needle. We were told the money would be returned to my cousin. That was months ago, and still — nothing. No explanation, no resolution, no accountability.

Capital One’s system will lock you out of your account and capital one will refuse you access to your money if its system thinks something's unusual. Now most banks do this and you can call in and correct it. Not with Capital One, they are at the mercy of their system and not one person has the ability to correct the automated system so you can get back into your bank accounts. There is a long list of reps who each either informed me incorrectly or didn’t inform me at all that caused this to happen. No one there knows what they’re doing and if they did Capital One doesn’t give reps the ability to actually problem solve. I had to report this to The Comptroller of the Currency.

Do not get a Capital One credit card! We use our credit cards for online purchases because that is what you should do in case of fraud/scams. We paid for a service we did not receive, so I filed a dispute. Long story short, I was told that it was my fault I used my card and that they were sorry for the inconvenience; however, the merchant stated that they did not receive a cancellation notice from us for a service they did not provide. Capital One will always side with the merchant regardless.

Capital One Quicksilver Secured Credit Card delivered all that they said it would. I applied and was approved in Nov 2024 and paid on time all my payments (or before time) and May 2025 I received a email upgrading my card to an unsecured card with the return of my $200 security deposit.

I called customer service to advise my parents' credit card bill was late by 10 days and wanted to reconcile the balance. We wanted to pay the balance in full, but requested the late fee be waived due to the cardholder being in the hospital and incapacitated. They have been loyal customers for years and never been late. Capital One is a scripted corporate company that has no compassion, no common sense or the ability to provide a satisfactory customer experience. I could go on and on, but even senior management would not go off the corporate script, horrible company! I would avoid Capital One at all cost!

On Feb. 27, 2027, I booked a rental car through Expedia. Upon arrival to the Atlanta Airport, I went to the car rental counter to get the keys for the vehicle, I had paid for, the agent said I had to give them another $250.00 deposit to take the vehicle because I hold a Georgia's license, and has been their experience, many folks who have Georgia's license do not return their vehicles. So I took out my debit card to take the $250.00 security deposit out of it. She bluntly refused, and said I needed to use the original credit card that I used to book the vehicle. I explained I had not enough credit left on my Capital One card, and she said, well then, I can't take out their vehicle.

Was a member for several years. Trying to open an account online and the website said to call customer support. Customer support told me to go in-person so I did after verifying over and over what I needed to bring. The person on the phone gave me the incorrect information on what I needed to bring. Already spent a long time trying to reach an agent on the phone, and in-store there was also a longish wait time, but they were unable to help me as there were drastic miscommunications between the branch and online services. Capital One customer service has seem to gone down over the years, and I have had similar problems with customer service frequently. I WAS a customer, but they only care about finding new users.

I have been a customer of Capital One for over 10 years. Recently, I had to file a dispute with my credit card for a service that I paid for but never received. I provided all the documentation they requested, but it seemed like they hardly reviewed it. They sided with the merchant and kept stating that I could submit more documentation to reopen the case. Whenever I do, it is always immediately denied. I consistently pay my bill on time, yet when I need assistance, they dismiss me.

This company is horrible. They treat people poorly. I recently had to go on ssi disability so my income went down. I asked if they could work with me on payments, NO, interest rate, NO. I could not make full payments, tuff. They double interest rates charged late fees. I have tried several times to talk to a supervisor denied. Horrible company. No wonder they are constantly sued.

Capital One denied me the new customer $300 checking account bonus I was promised because of a technicality that I had no control over whatsoever. The service reps refused to help me. I even emailed the CEO and he was tone deaf to my situation. Terrible way to treat a new customer all the way from the service reps up to the top. They will no longer be a bank that I do business with.

Reported fraud on {checking) Cap1 closed unrelated cards, didn't investigate/assist monetarily as promised. Fraud proven w their system. Misreported info to credit bureau prematurely, used accts for own purposes, falsified records, embezzlement, mismanagement, failed fiduciary duties, added excess fees, false fees, violated CFRA & more. They've been sued for these acts repeatedly. Don't trust them. Report any slackness & watch your acct because they will not protect you as they advertise! Reporting to all agencies governing them. A big bank bully.

Liars and frauds. I requested that the two late payments I had 3.5 years ago during COVID protection be removed. Instead, they falsified my details and changed them to recent late payments, further hurting my score.

I purchased a ticket to a music show and paid an extra $ 220.00 for the ticket through PayPal and thought I would be safe, even though I thought something was wrong. When I did not receive the ticket prior to the show, I received a text to go to the Box Office. The Box Office told me I had been scammed and gave me a signed letter from the Venue Box Office stating I was denied entrance because I had no ticket. Capital One has consistently refused to reimburse me, telling me to talk to the Merchant. I sent them all the information, and they have repeatedly refused to reimburse me.

I have had Capital One for years! I have loved them and always recommend them even after hearing horrible things. Now I understand. They decided to closed all my accounts with no warning and for no reason saying there was fraud. Again no warning no reasoning to the so called fraud. Nothing. I called and tried to talk to someone and they just told me it is what it is and they are closed. Absolutely ridiculous.

I paid off my balance in full well before the due date. Then I closed my account because of the high interest rate, even though my credit score is close to 800. After paying off my balance, I received a bill in the mail for $20 interest on my card. When I called on it, he didn't explain it at all. Please find another credit card to open. This one is horrible and dishonest. Mind you, I always paid on time and more than my payment due.

So, I purchased an Item using my Capital One card. $1299.97. I found out this was a scam and called Capital One to check the status of my purchase. They told me it was pending. I asked them to stop payment. They said they couldn’t do that when a transaction was pending and I would have to wait for the transaction to be completed before I contested it. I contested it and told them I reached out to the supplier on several occasions but I never received a call back or email. They told me if I wanted to dispute the transaction to give them all the information that transpired between me and the seller. I sent emails and called them several times but to no avail. That is all I could give Capital One. I received an answer to the dispute, I am responsible for the $1299.97. Not Capital One for not stopping the transaction, but me, because I could never get a hold of the supplier. I am canceling my Capital One account and going with something else!

I’ve had a pretty frustrating experience with Capital One when it comes to their late fees. They are super aggressive about charging them, and honestly, they don’t seem to care about any excuses. Even if you’re just a few minutes late or have a good reason, they won’t bend at all. I tried reaching out to explain my situation, but they just stuck to their policy and slapped the fee on anyway. It feels like they’re more interested in making money off fees than helping customers out when life happens. Definitely not the kind of bank I want to deal with if you’re looking for any flexibility or understanding.

I lost my only source of income. I've repeatedly called Capital One to try to work something out to pay my debt but they are not willing to do anything. I have excellent credit and just wanted my interest rate lowered to a reasonable amount but they are unwilling to work with you at all. All my other credit cards were willing to work with me but not Capital One. I would never recommend them.

Horrible card and really abhorrent customer service. Tried using the card, gets declined. Have it on autopay and they stop payments after a year of accepting same payment. No changes made, but they state an address difference.

The worst experience with Capital One for a long-time customer, the credit card took the crooked side and let them robbed my money. I totally lost my trust on Capital One! I did a claim and they favored the thieves, and forced me to pay money that I didn’t spend! I care for my credit, therefore I feel obliged to pay. “What’s in your wallet” it’s not the best choice, they betrayed me, the customer!! I can’t not believe how things are going nowadays!! I DO NOT advise to use or get Capital One credit card!!!

I do not recommend this card with all the overcharging charges of interest fees and the deception charges that has been deducted from this card, the card is not in use but I am still accruing charges for interest and have made several large payments to settle the balance but I am still accruing charges after being told if I do this I would be moving forward but Capital One is still holding me hostage with interest fees on a card that I have not used in over a year and I feel it’s not right and it’s highway robbery. A class action suit should take place.

I have a company CC with them that have had set up for 15 years. Last month they canceled two of my employees' CC for no reason. They say unusual transactions. That’s a lie. They just canceled my brother's CC for the same thing. We run a painting business, not sure what’s unusual about the same stuff being purchased over and over. Aka gas and supplies.

I reached out to Capital One regarding a credit card charge for an Airbnb that I had reserved. We had a maintenance issue that was never resolved during our entire stay. The host and Airbnb would do absolutely nothing so I disputed the charge with Capital One. Their response was that I should have cancelled and moved to another place - whether it be another Airbnb or a hotel. The problem with that was that the Airbnb host would not allow any refund for a cancellation after we had checked in.

Capital One is actually the worse to be with. I was late once and they have ruined my credit. Constantly lowering my score for no damn reason. Even if I pay early they knock it down. Don’t go with capital one I wish I didn’t. I’m paying off my cards and closing both.

It seems that I have a very high interest rate on one of my Capital One cards. I have 6 credit cards and for some reason this one has the highest interest rate of anybody. I just think this one bank is ripping me off.

I opened a secured Quick Silver card, deposited $750.00 into account, they drafted my bank account immediately, but when my quick silver card arrived I was Unable to activate it. Capital One restricted my account, I uploaded all documents, ID, Proof of address, bank statement the bank they had no problem withdrawal from for deposit, after 2 weeks I'm told they are closing my account they called me and I didn't answer but I called 2 minutes after missing the call 3 times, spoke with 3 different representatives, none that listen to me. Now I'm out $750.00 because I have not received a refund. I never got to use card so I never owed anything and when I call the reps no one is helping me at all.

I mailed my total payment of $129.50 and the check was cashed by Kohl’s on Dec 9, 2024. CO does not “see” the payment and will not credit me the amount even after showing proof from my bank that Kohl’s cashed the check. Very bad company. Avoid them at all cost.

I am a Kohl’s customer. Capital One charged me interest, although the balance was paid in full. Apparently there are a few days between the closing date of the cycle and the date of the statement. For example, the closing date was April 30 and the statement date was May 3. They charged me $3.44 interest on that three day period when there was no balance owed!

The Savor Card was used for lodging. We did not get what we paid for at the American Inn located in Princeton KY. There were bugs, mold and no breakfast was provided. We had booked for 2 nights. The next day when we had no breakfast that was clearly stated on website we checked out and went to the Hampton Inn. We ended up being charged for both. I asked to dispute second night, they denied the claim. I sent pictures of everything but Capital One did not care that I had to pay for the same night twice. I'm ready to close all my Capital One accounts. Kohls, Savor Card and BJ's. I feel I was not only ripped off by the hotel but by my card issuer as well. I would never recommend a Capital One Card to anyone. They will always side with the merchant and you will get ripped off. Get another card!

I have had a Venture Card for 16 years. I thought I was going to get reimbursed for Global Entry but I guess I have the wrong card. I called customer service and basically they told me they won't do anything for me.

I am applying for a credit card through Capital One and they give me a $3000 line of credit. I didn't have any problems at first but then when I started to make extra payments on the card so I could use it again, they thought there was something going wrong and then they contacted me and said that my account was restricted then I felt appalled because they wanted me to contact each bank then I made the payment with the verify that I own the account because they thought there was fraudulent activity going on for just making a payment on the account.

So, yesterday I logged into my account turned my auto-pay back on after making a big payment the month before. Granted I am using 5% of my credit line. Anyway the payment is due on the 10th of the month but the system said you're on auto-pay do you want to make a payment anyway. I said no. Logged in again to make sure again it said do you want to continue so I said no. Today 5/11 they added a 25$ late fee and are refusing to credit it back. I had one removed before because I forgot it legitimately so that's when I put it on auto-pay. They are very sorry but auto-pay takes 24 hours to take effect. If that's the case why didn't the system make that clear. I have been with them for a long time and this is very upsetting.

Kohl's new Credit Card acquirer Capital one has been nothing but a nightmare for me! Absolutely useless and have basically left me no option but to abandon my card and no longer able to make payments!

I contacted customer service as I was trying to pay a bill using Zelle. She said that there may be a limit in transactions. I have 50x plus the amount in my accounts. I asked for a manager or supervisor and was told “sorry there is no one else working today.” No managers or supervisors work. I was told to find an alternative payment. Nothing they can do. So I cannot spend my money in my account paying bills. Worse than that the customer service is so bad.

I paid off my Capital One platinum card on May 2nd in FULL. On May 7th they charged me a $36.90 finance charge and an additional $8.04 finance charge. Yes two charges after I paid it off in full. They already once again and charged me last month, in April, finance charges which were over $60. Having been a customer for over 8 years and a half they would not remove my request to remove the finance charges since I paid it in full. The constant same and lame condescending rhetoric... "oh, I'm so sorry I understand..." the ridiculous faint attempt responses that they are taught to pacify. I reiterate, I paid in full. I have had this card for over eight and a half years. Paid hundreds if not thousands with finance charges. And they could not work with me one iota.

I cancelled my credit card with a balance of over $120. They will not refund that claiming there is a fraud lock on the account. Their customer service demands I send them a copy of my driver's license to prove my identity after their system acknowledged that my phone number and social security numbers are linked to my account. They said they could not text me a 6-digit code while I was on the phone with them. I have no blocks on texts. It does not make sense that they need to verify my phone number with a texted code when I am using that number to talk them. They said they would never refund the number unless I provided the driver's license copy.

They promise you 5% back if you use their Walmart app, but it never appears on your account. I’ve tried to contact them and they make excuses of why it’s not there. It’s all the fraud in a scam. I am looking for another credit card company.

Beware in 2010 I opened an account. Given $500 use my mother's credit card which I had permission to do for the down payment. They flagged it as fraudulent. While this is going on they said I could open up another account. I opened up two. They closed both accounts, ruined my credit, kept my $500 deposit. They made me leave one star. I would have left none.

This has got to be the worst credit card company in history. Their fees are ridiculous and they are unwilling to decrease your interest rate whether you're on time or making more than minimum payments. I recommend Discover. Beware, do not accept an offer from Capital One. Let's run them out of business!!!

Read the fine print on this one which is buried probably in that long user agreement and pay attention to your statements. Have my card on auto pay but noticed they would reject payments keeping your balance at whatever but no late fees, hmmm. The reason why they change the interest rates on the balance and who needs late fees when they can get more on said interest. Then when you make a large payment to bring down your balance it will post on your banking institution but they hold it off for 9 days before posting it to your cc account thus getting you for a little bit more on the interest they changed on your balance. Forget trying to make more than one payment a month you will be bounced around like a pinball by someone from the sounds of it in India. What's in your wallet, it won't be this card. It will be in the drawer never to be used. Knee jerk reaction is just to cancel them but won't give them the benefit to lower my credit score.

While I was in the hospital delivering my child, a fraudulent charge was made to my Capital One account. I was obviously not monitoring my account during this time — I was literally bringing a human into the world. Now, over a year later, I noticed the charge and contacted Capital One expecting some level of care, especially as a loyal, long-time customer. Instead, I was told, "It’s too old, we can’t do anything. It’s the merchant’s responsibility." No accountability. No investigation. Just a cold response that essentially said "Oh well, not our problem."

I used Capital One credit card for a few years and now they are questioning my payments, they want to make sure I’m the owner of the checking account that I’m using to make payments, my word is not enough for them, like other people are going to make the credit card payment for me haha, now I can’t use their credit card because they restricted the card, I don’t need them, I have cash.

I have been a Capital One customer for over 20 years. Never paid interest or paid late. When they took over Kohl's credit, I had scheduled my payment on time with Kohl's. They switched to capital one in between dates and charged me interest. When I called to have it credited, they would not. I paid the interest and closed my Kohl's card. I just received another charge for interest, but have no idea how when my account was closed. They were not able to explain clearly to me, but worse than that, why not remove for a long-term loyal, customer who always pays in full, on time. Bad business. I spend over $5K on my card monthly. I will now get a credit card from a better company.

I got the Capital One Quicksilver card because of an intro offer of $300 after spending $3000. I spent the $3000 and never got the offer so I called in and was told that it was mistakenly sent to me and they would not honor it. I was told, verbatim, that they are "not in the business of customer retention". Fast forward a few years later and my account was CLOSED with no notice at all due to lack of activity. It just so happened that it was the same week that they sent me a survey that I gave poor scores on. I gave a poor review and they legitimately cancelled my entire account the exact same week. I will never again have a CO account and will ALWAYS advise against it. Discover & AMEX have both been GREAT to work with.

Capital One recently purchased the Kohl's store card. I have had the store card for several years. They mailed it to my address and allowed me to activate it. When I login to Kohl's I can see my address and phone number. Capital One INSISTS it is not a valid U.S. phone number! The phone number I have had for 20 years. I can pay the IRS online, I have a Real ID driver's license but Capital One WILL NOT grant me online payment access. I am so disgusted, I cut up the card and mailed it back to them.

This is by far the worst customer service I’ve experienced. They don’t value loyal customers at all. They aggressively market to get you to join, even offering referral incentives, but once you're in, they neglect the very people who supported them.

Terrible customer service. Been a customer for 8 yrs. Have both credit and a high yield savings account with them, and over the last year have had the worst experiences. First there was no protection with travel emergencies. I was one of thousands whose plans to see Taylor Swift in Austria got canceled DUE TO TERRORISM ATTACKS. Clearly way beyond my control and Capital One, who I booked all my flights and hotels with, told me, "Sorry nothing we can do to refund your rewards points because it is all booked through 3rd parties," did not offer any reimbursement or consolation, lost 50K+ points. 2nd occurrence was when I wanted to upgrade credit cards to their highest level. Despite being a phenomenal loyal customer they offered no incentive like a “new” customer. Did not get any bonus miles or waived yearly fee. Was told “sorry only for new customers”. They have no loyalty.

My old Kohl's charge card readily linked the Kohl's app to my checking account to enable a streamlined process of payment. Capital One now demands its own separate account with my personal information, which I did set up but now I am locked out, and their only solution to regain access is for me to text my driver's license and a selfie. Data harvesting, anyone?? I don’t think so! Capital One is notorious for abusing their power over customers’ credit profiles, I already regret submitting as much info as I did to establish the account. I will not be using it.

I tried to open an account online, but after entering all information, I would get an error message at the end. Tried whole process twice with same result. Spent 80 minutes total on phone with customer service. Had to text them a photo of my ID, which I did and it was accepted/verified. They asked me to call back the next day at an earlier time of day, and I had to go through the whole process again with a different representative. I had to send my ID photo again, and they said it was not accepted this time (but could not tell my why). They told me to call again the next day and I could send the photos AGAIN and "maybe it will be accepted then". I asked to speak to a supervisor. I was on hold AGAIN for about 7 minutes and hung up. I will not do any business with Capital One ever again. THIS PROCESS ALREADY TOOK 10 YEARS OFF OF MY LIFE EXPECTANCY.

A loyal customer for years. Have like 2 Capital One credit cards. But found out that they have a Cash advance fee scam! Watch out guys!!! So, they secretly clarify some P2P transactions as cash advance. And charge you a cash advance fee for it that month. But wait there is more. It doesn't even matter if you pay off the "cash advance" that month. They will still charge you the fee. That's not it.... They will continue to charge you cash advance fee everything month until your full credit card balance is paid off. Total scam!!! It is subtle and you don't notice it first, but they will continue to charge Cash Advance Fee every month on top of your credit card interest charge. INSANITY! Must be a way to sue them for this. But please watch out for this!!! Don't let them get away.

I am a Capital One card holder and accidentally sent them $14,000. Was told I would be receiving a check within 10 days. It has been 14 days now and they are telling me that it is still under review. ??? There is nothing to review. They have my money that was not owed to them and cannot give me a valid reason for the delay. Only “very sorry Mr. **, but there’s nothing I can do. Our team is working hard on it.“ I need that money! Super pissed!

Elon Musk needs to ​take his chainsaw and investigate these financial institutions and their ​​shady practices. Capital One deposited ​my check that was not payable to them and claimed they did nothing wrong. Ordinary citizens like you and I would face consequences if we tried to deposit checks not payable to us.

I cancelled a Savor Card from Capital One because their offer of a low $1,000 credit limit wasn't worth dealing with. So next I tried Discover Card. I have had a Discover Card for 10 years with a $7,500 credit line. Never missed a payment. Now I find out that Capitol One has acquired Discover. So now I'm treated by both as garbage. Can you imagine the insult? Discover card said I am pre-approved for a secured card with a $200 credit line as soon as I deposit the $200 into the account. I hope that both banks go under quickly.

I was promised $250.00 bonus for $500.00 spending in 3 months. I spent over $2,000.00 I was also promised no interest in 15 months. I was charged interest each month at 24.5% yearly rate. There are plenty of credit cards on the market that do not lie and cheat customers..

AWFUL! I hate your bank! You keep sending me messages to update my information. I already did that once after staying on hold for ages. Two months later, I got the same message again — but never received a response. I wait on the line for 30 minutes every day. I went to a Capital One Café — what’s the point if no one there can help?? The wait time is always over 120 minutes! I stayed on the line for 40 minutes, only to hear that “the line is now closed.”

My job doesn’t do direct deposit for whatever reason so I have to do a mobile deposit with my payroll check. I have been a customer for many years and never had an overdraft. I have worked for my company a little over a month right now and been paid twice. I have deposited the check and they hold my check for a week to verify funds. I keep getting different stories from anyone I talk to.

Paid my card in full. Received an email saying that my funds could be released if I manually called to confirm the payment which I did. Matthew - who is a supervisor - told me that he was unable to do this even though I received an email saying that they would. He was not helpful at all. The funds were taken out of my bank account, but I have to wait for one week for them to be released even though Capital One took my money. Makes absolutely no sense. Also the email wasn’t true because they will not release the funds if you call so I don’t even know why they’re bothering to send the email if they can’t do that.

Capital One has to be the worst, customer service is terrible. Credit approvals and increases are none existent. I would look for a different lender. These guys are a complete joke. Stay away and get a better card.

I have been a long time Capital One User. I earn cash rewards and have had over $2000 owed to me since February of this year. It is now April and I am still waiting for my payment. I have had multiple phone calls over the past couple of months. It should be a simple process. When confirmed the check was not cashed, it should have been canceled and reissued. It took another 2 calls and have still not received the money. I reached out to the CEO a couple of times and have not heard back. Poor communication and problem solving skills.

DO NOT....I REPEAT....DO NOT open a small business banking account with Capital One. After years of banking with Capital One, they really failed in the last year. We have been unable to get access to our requested bank statements and now our funds for over 1 month and we need the capital for a group trip we run for professionals annually that departs in May 2025. Our clients have paid into our account all year and now we cannot access the funds to run our trip. As a Doctor who runs her own clinic who has dealt with numerous banks over the years, this is unacceptable and by far the worse banking experience I have ever had with a bank. We are advising all of my doctor and attorney colleagues to avoid capital one at all costs.

Before you put the restrictions/closing messages on my Quicksilver, Platinum and Savor cards — did you notice that they all had ZERO BALANCES? My SAVINGS was also at a ZERO BALANCE. I already had a preemptive strike in place, in my process of ghosting you. I completed the ghost by deleting my AUTO PAYS from CapitalOne Checking and moved to a more impressive bank with better rates, better CS and US-based representatives.

I was told I had a valid dispute against Adam’s Vacations who I bought a flexible plane ticket from and who would not honor the flex. Emma, Capitol One Rep, verified that Adam’s Vacation violated their contract. Capitol One sold me the same ticket from Capital One's site. Then they backtracked, and said that Adam’s vacation’s proved that I did not buy a refundable ticket. So they charge me for both tickets. I never said it was refundable and they will not hear me nor look at the receipt, which so clearly reads that it was flexible. I won’t pay it, so now they have destroyed my credit because of their error. Thank you, Capitol One. We have no recourse over these huge conglomerates.

After applying with Capital One card and approval and receiving my card in the mail and paying on time, they decided to decrease my credit limit $500.00 without a call from Customer Service or letter in the mail. This company is a total scam and will close this account asap.

I really like my personal checking account and it’s very user friendly. But I just closed my Spark Business Cash select account. As a small business owner I do business occasionally but not continuously. As a result due to inactivity capital one lowered my credit limit twice. Capital One business cards do report both personal in business bureaus as I understand it. So my recommendation is that if you are a small business owner, try to go with American Express, or other. I am also an American Express business card owner since 1995. I’ve had high Credit lines with them and have never had my credit limit reduced due to inactivity Again, I like your personal checking service, but I would never get a business card with Capital One ever again. It was a mistake. To others -Think twice before you pick a capital one business Card. I will be Posting this review on other venues as I am able.

They offered me an upgrade to get reward points and cash back on an existing account. Never telling me I would have to give up my Photo card? I carry this card with me always. It has a picture of my children? I called to ask to keep this card and forgo the cash back and benefits to find out there is no way back? Just another scam from the mighty corporate dogs... Years of loyal credit usage, some interest even..i have great credit, other better cards but I used this one because of the picture...your loss Cap One... Bye!

I paid off Capital One and discover in March 2025. Discover reported to the credit bureaus. Capital One has not. I talked to Capital One about it. They said there’s nothing they can do about it. They’re holding my Credit hostage.

Capital One started issuing Kohl's credit cards. I called to cancel to Kohl's credit card and Capital One closed not only the Kohl's credit card but they also closed my Capital One credit card. When I called to reinstate the Capital One credit card, I was told my Capital One card will be not reinstated, and my credit card will remain closed. Therefore, I will never open another Capital One account of any type, nor will I ever recommend Capital One to any one because of their incompetent errors.

I’ve been a customer of Capital One for quite some time now, and I am beyond frustrated with the poor service and lack of support. From the start, it’s been a nightmare trying to resolve simple issues.

I opened a savings account and added my granddaughter as joint owner. I received the message for her to call Capital One to verify her identity. She did, and she was told she had to appear in person with her photo ID and social security card to, again, verify her identity. The closest physical location is over an hour away from her home-what is the point of an online bank if she has to appear in person, an hour away from her home? The account is now locked, making me unable to access the money I deposited when I opened the account until she does that. I have had an account since 2004, when it was still ING-I would have thought I would be treated better than this.

I am a victim of Jugging at Capital One Bank on Westpark & Buffalo Speedway. Beware of this specific location of Capital One Bank. I visited this branch that’s located on 3207 Westpark Dr., Houston, TX 77005 few days ago on Thursday January 30th, 2025 around 1:00 PM. The drive through refused to allow me withdraw $4,000 cash for my overseas travel for 4 weeks. The lady forced me to get the cash from the teller counter inside the bank. I parked my car and walked inside and got my cash. I walked back into my car and went to Kroger located in the same strip center to buy milk. I contemplated whether to keep the cash with me or hide it under the mat to be safe. I chose the latter. I walked out of the car, went inside Kroger, bought the milk and went back to my car.

Capital One sucks! Kohl's had their own credit card which I had for years along with a login and password so I could download the bills and pay them. Once they went to Capital One, it was one headache after another. Creating a new account, requiring lots of personal info and then the login and password stopped working and their people are no help at all. After hours on hold, I asked them to switch me back to paper bills. I likely won't shop at Kohl's anymore. The people at Kohl's were fine but this was a mistake at their corporate level.

After two months of communication, with no mention of additional information needed. Capital One closed my business account without a phone call, an e-mail, or even a message to my online bank account. Then because they had the wrong address for the close out check (to which they had just sent the business debit card to the correct address...) Now they say they need a notarized affidavit to let them know I did not receive the check. Which can up to an additional 90 days after waiting for a month.

If there is an option to 0 star, I would. Capital One Williams-Sonoma credit card has been nothing but a nightmare. I opened an account at Williams Sonoma in Short Hills, NJ location in Nov. 2023, they offered me 0% for 12 months option so I took it, made 12 equal payments toward the balance, yet got charged over $800 interest because someone at Capital One or Williams Sonoma didn't process the paperwork correctly. I reached out to both companies to investigate, no response. So I ended up paying all the interest, yet Capital One keeps charging interests on the payment I made. I called and complained to their supervisor and their response was that they can not guarantee there won't be additional interest charged just as I paid off all my balance and cancelled my account. I would NEVER use Capital One again.

I was a Capital One customer for over 10 years. I started lowering my credit limit and paying down all my Bills and all the sudden. They started holding my payments making it impossible for me to use my card and holding my money for UP to 26 days, 26 days of Bills and other things. I had routed through this card. I was not able to use because I lowered my credit limit. They had no explanation for me after being a customer for so long. Never having made a late payment. Having excellent credit score and they would not help out in any way.

After ignoring promotional emails, I finally decided to apply for the Capital One Savor Card after ignoring their promotional emails for years. The card itself has great perks—offering solid cashback rewards on dining, entertainment, groceries, and streaming services—but my experience with their customer service has been nothing short of frustrating.

Conclusion: If you need a credit limit above $1,000, avoid Capital One like the plague—they’re the worst! I applied for a travel card with Capital One, expecting a decent credit limit based on my strong financial credentials—over $100K in income, a 750+ credit score, and existing limits exceeding $30K. Instead, they offered me a pathetic $800 limit, which is an outright insult. I wanted to buy three family tickets at roughly $1,100 each and earn rewards, but their laughable limit made that impossible.

Need a negative star rating system. Opened a joint 360 Capital One account back in 2014 when daughter went off to college.. No hassle then did everything online without needing to contact a rep. 2025 experience. A. Went to branch to provide ID verification to open a new account. B. Added a Joined owner = Joint person could not be added, this person is also a capital account holder. C. Linked Fidelity to Cap360 = Capital One account locked. D. added as joint to another person 360 account = had to call verify myself including providing internet provider name and cities last visited.

Capital One is a Terrible bank! Please my dear friend don't do the mistake of opening an account at Capital one bank!! You will thank me for my warning. Their system is slow and they are making you crazy for every small thing.

This company is such a disappointment. Their customer service agents suffer to be respectful or kind. You can hear the lack of interest or concern in how they speak to you. Try to get a manager to speak with and they demonstrate the same amount of concern for what you're calling about. Just simply poor business practices. Avoid them.

CD came due and I was quoted a rate and a new term. The staff person obviously lied because they never put the order through properly.... Years ago they also lied about a credit card promotion, that turned out to be a nightmare also....for these two instances I will never do business with Capital one ever again. They are the worst I have ever encountered in banking.

If I could leave a negative star rating, I would. I have had nothing but headaches with Capital One. Every time I try to talk to someone, they barely speak English and can never seem to help me. It's always "there's nothing I can do." I wish I had gone with a different company for my credit cards, and now I'm stuck dealing with the constant headache. My advice: don't use Capital One! Their customer service is a damn joke.

The customer service is horrible. My account was locked, so I contacted Capital One to unlock my account. I repeatedly informed that I needed to unlock my account, not my card. After several transfers, the person I last spoke with unlocked my account. The first person I spoke with appeared to be American (voice), but she was rude. She transferred me to a department I didn't need. Before she transferred me, I explained to her that the department she was going to send me to was incorrect. She grew frustrated and rude.

Many years ago Capital One was good. NOT ANY MORE. They have the worst customer service on the planet. I have had unbelievable problem with them placing fraud alerts on everything I try to purchase. The foreigners they hired messed my new card up by activating it when they mailed it out. They then cancelled the old card with over 2 months left on the card. That's where all the problems began. Then they put me through hell to try to get the problem solved. Those foreigners have NO common sense. They are the most incompetent bunch I have ever dealt with. Most of them cannot speak good English so, speaking with them is near impossible. I have spent DAYS of my time trying to solve the problem. It is a JOKE. There is not enough time or space to tell you all the problems they created. I have left frustrated and angry from the problems THEY caused.

Not recommend especially if you are needing to help cover some basic expenses right now.

I overpaid on one of cc with Capital One. It was meant for the other cc. I called to have them make the switch. Overseas customer Svc. They said it will take 7-10 business days. They did remove the late fee. Well here we are day 12 nothing. I called. Got overseas again. They didn’t understand. Finally I said, "Switch me to the states." They couldn’t do because “a case” is already open. Really?!!! No wonder Walmart sued them and left.

If you are thinking of using this company for help look else where, I needed a EMERGENCY OPERATION called to get info on a cash advance they explained that I would only be charged a onetime interest charge that would be applied to the amount taken out but actually they don't charge once they charge every month, I ended up having a heart attack and called to get help lowering the payments and to find out why they are charging interest every month when the interest was applied to the loan in the beginning, they were no help in any way, DO NOT SEEK THIS COMPANY FOR HELP. ALL 0000000000 FOR CAPITAL ONE COMPANY.

The dispute department is the worst ever. I had made a purchase with my Savor Business Credit Card where the merchant credited me and refused to give me a service. I called to dispute and provided every available documentation to the very detail but they chose to not award the dispute to me and told me their decision was final and that they will not refund me. Absolutely useless customer service. I regret ever opening that credit card with them. I will definitely be closing this card out. This is absolutely ridiculous.

Capital One Bank is a complete fraud and bogus entity. Extremely low level customer care, fabricated unjustified late fees, deception and predatory lending. This is one of the worse entities. Stay away!!!!

I have had Capital One for a long time and I just recently took out money But they have been charging me the fee for CASH ADVANCES WHEN I HAVE JUST USED IT once. I felt that I am paying for the fee mine as well take the money out. Look at your Statements. They have gotten away with it even though I have made complaints and filed complaints. They told me I must have taken out an advance and I went into my statements and there is no ATM WITHDRWAL ON MY ACCOUNT but I am paying the interest on one!

Don’t let your check get lost in the mail, Seems as if they are waiting to add on extra late fees and interest fees as soon as the next billing period starts. I have always paid my bill as soon as I receive it. I mail my payment because I don’t trust the Internet to do my banking. I’m old.

I've been with them for 10 years or so. Never any issues. Then in the past 2 years, nothing but problems. First my card was not working, then having to sit on hold forever to get through to someone. Card was frozen because they needed a physical address. Then 3 months later, card not working, suspicious activity. I set up for them to give me notification via text whenever there's a problem. 6 months later, I paid my statement balance in full before the due date, but was charged interest.

I tried to call the support line 1-844-348-2265, and I just want to speak to a real person, it understood me first time when I said 'Customer Service', then, it asked me my social, I did it, use input, but it couldn't understand, tried a couple times, still failed to understand. Then it ask me to input # in order to send me over to representatives But it still couldn't understand my input of #. Then it just told me bad connection and hanged up. This is terrible experience, can't even speak to a real person.

Worse company ever. I have a car loan with them and always paid on time. I now have 3 payments to go and requested to move my payment date from the 12th to the 13th. Received email confirmed. Customer rep confirmed. At least I thought all was fine. However I did that request because I was switching banks and didn't want to be overdraft. Well guess what? They took the payment out of my account and NOW I have a 170.00 overdraft. Called company to see if I get some of the money back from the overdraft fee. The cust. rep flat out said NO. Didn't even try to resolve the issue at all or even try to make a customer happy. Instead it was no, no and NO. I work in cust. service and if my boss hear the conversation he would of stepped in, handled and then fire me for not helping out a long-standing customer.

Hacked 4 times in 3 months. Used my rewards to make Amazon purchases and the card is not linked to Amazon or used to make purchases on Amazon. All Cap 1 does is send a new card. Known security problem Cap 1 can not fix. Numerous online reports. Cancelling card.

I wish I could give this negative stars. They send fake pre approvals. Just to be denied, I would not trust this company for anything. I have multiple pre approvals, and then when I finally decided to apply denied. They are a waste of your time and credit. Don't trust any pre approval you get from this company. Capital One is nothing but liars. I would stay so far away from this company. I hope to save somebody wit this review. I recommend Credit One. They sent a pre approval and stuck to their word.

Avoid this bank! I first want to say I worked for a large regional bank as a lender and we critiqued applicants with Capital One cards with rolling eyes. Sort of viewed as credit card for deadbeats. Or they were not too bright with their finances in the first place. I cannot say this is the case for all banks, but it looks like last chance credit. Capital One has 1.2 Stars but you are required to give them 1 star so their real review is 20% of a star quite similar to the rates they charge on their credit card and saw some over 30%. Maybe this is why they came up with the catchphrase "What's in your wallet" to make their cards look better.

I went online and made a payment days before it was due and they charged me a late fee. I write them and they never fixed it. Not once not twice but three times. The late fee was crazy when I paid it on time.