Capital One Reviews

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.

This company is complete garbage. I would never use them. If you look at their sponsored plant planted reviews they’re pretty good but when you scroll down, you’ll find 10 other sites that find them one star and complete garbage

Capital One has lost my business over a dispute…They did not have my back. :( I ordered from a company and received a totally different item. I tried to contact that company with no response. So, that is when I filed a dispute. I had to call over and over, each time wanting more info (pictures). I sent pictures of me trying to contact the company, pictures of what I ordered, what I received. The purchase wasn’t much but revealed to me that if I had a big problem they would not have my back. I will no longer be using my Capital One card. :(

I needed some behind the scenes Clerical work done by a certain date, they refused. If you don't want to work with me I don't want to work with you period. Canceled my account. We won't be wasting anybody's time any longer.

Jan 27th sent Capital One full payment. On feb 19 went to use card it got decline. Called capital one, said they did not get payment. Called bank check not cleared so I sent another on feb 19th. Called on feb 22nd nothing. Said send copy of drivers ID. I did by cert mail. That day a bill for march due the 13th came sent full amount by cert mail. March 3rd called capital one nothing. Told send another copy of drivers ID. Did again cert mail so at this time I filed with bbb, the FTC and consumer finance protection and Sen Warren's office.

Capital one had poor customer service!!!! They will not budge on your interest rate even after 10+ years with them and almost a perfect credit score, not there but almost, but that doesn't matter to them. I just called discover and the lowered my interest rate from 29% to 20% and my other card from 25% to 17%. Great customer service as well I could understand them clearly!!! Capital One I had to call back because the first rep I could not understand and she refused to transfer me to someone else. The second rep said they do not lower interest rates. I would NEVER get another card with them and I will not be using my cards that I already have. Try discover... Everything about them is great!!!

I am Capital One customer for over twenty years and during this time I had to ask Capital One for help three times. It was my favorite credit card and I was spending thousands of dollars every month. One day I did buy an item on AliExpress and since delivery took several months I did not need that thing any longer, order was canceled but seller still shipped it. I did send package back to China where it came from. Since seller was not giving me credit. I was expecting Aliexpress will help me here but due to very long time past from the day I made the purchase Aliexpress closed that case and was not willing to help. So I ask Capital One for help and I was providing tracking number back to China. The seller never responded and Capital One kept me financially responsible. All they did was that tracking number was trackable on US soil but on China was not. Therefore I had to pay for goods which were sent back to seller.

I had a disputed charge and Capital One told me to submit my evidence. Evidence that it wasn’t a legitimate charge included. Email conversations between myself and the company stating that it was not a legitimate charge. Capital one still made me pay it despite all of the evidence. When I called them and confronted them on this, they got upset. They canceled my cards because I hurt their feelings when I told them that they needed to be accountable for their actions.

I am not understanding the trust with Capital One credit card, I make a payment and payment updates, it tells me my current balance but not my available credit, available credit says $0.00. I contacted customer service & I'm informed that they have a hold & it won't update until 7 days! What! Very disappointed with this company policies, you trust to give me a credit card but you don't trust my payment. I thought it was my bank, but it was Capital One. So disappointed in this company.

I never had an issue making a timely payment when I had a Kohls credit card for years and years before it was switched over to Capital One last September 2024. Since then it has been a mess. I can't reach anyone on the phone and they keep refusing to do an auto payment, they lowered my credit limit once they became capital one, and then they charge me late fees because I can't get the online site or app to work to pay my bill. This is like negotiating with a terrorist to pay my own bill.

This credit card company was good until I noticed a fraudulent charge from Amazon. I called Amazon and they verified I never received product that was purchased and money was put back into my account. 2 months later I noticed the charge was back on my account. I called Capital One and they said they ruled in the other person’s favor. So that person got money from me for a purchase I never received. I am beyond mad and feel robbed. I’m paying them off and letting everyone know how they treat their customers. And to do business elsewhere

I rarely use my CapOne card because the benefits of my other cards are better. However, I decided to use it for a purchase this past October because the website told me I could get a 20% rebate/rewards for the purchase. Two billing cycles go by and I never get the cash back or credit loaded to my account. I called twice about it and kept getting the runaround, being told 'check again next month'. It is now February of 2025 and I never did get that money back. As far as I'm concerned, they completely screwed me on my purchase, and I will NEVER use this credit card again.

I used to love Capital One. I have been a member of theirs for decades. These last two weeks have put a bad taste in my mouth. I found out my card was hacked, and they had to stop my credit card. I contacted Customer Service on February 11th where they informed me they would send a new card out. I was told they could not expedite shipping because it was going to be shipped to my P.O. Box. (I could not remember the physical address at the time.) I was told it would be 4-7 business days which was fine. 2 weeks later I did not see a card, so I contacted the company only to find out it was never mailed. When I spoke to the manager, he was rude and informed me I never gave the PIN to customer service and that was why it was never mailed out which was 100% false. I did indeed give it to him and had it on my phone still and was told it was being mailed out and would take 4-7 business days.

Capital One Savors Card is a complete SCAM and FRAUD. One their website there are two versions of the same card which may seem like two different cards, one is Capital One Savor Excellent credit and other Capital One Savor Good credit. Both the cards look identical. I applied for a Capital One Savor Excellent credit for promotional offer of $200 bonus after spending $500 in first 3 months. After application I got an approval instantly and was notified the card would be delivered in mail 4-5 business days. I received the card, started spending. Never received bonus. After calling customer care for follow up, they said the system automatically qualified you for Capital One Savor Good credit.

I would not recommend this credit card to anyone. I was a good customer for many years despite having a high interest rate. In the past 12 months or so alone I have paid almost $4K in interest. Granted, we travel a lot and use the card as such. That is not the issue, that was our choice. Issue starts with their policies, when the feds started lowing interest rates I called to negotiate a better rate, was flat out told "we don't do that" , fine again this was our choice to use them. So my alternative was to go with a different credit card company as my credit is in great standing I could get better APR. I did, and used the new account to pay off the balance in order to close.

DO NOT DEAL WITH THIS COMPANY! They will have you on suicide watch with their charges! Bill constantly rises without using the card with no notices. There is a reason for the worst reviews I've ever seen! I wish I could give them a no star rating.

Capital One advertises intro credit card rates at 0% interest for 15 months, but they will only give you $1000.00 credit limit even if you have excellent FICO score. This is not enough to pay for any care repairs! BEWARE!

Stay away from this bank. They are horrible!!! They love charging late fees even on auto payments! Paying my cards to leave them!!!! The customer service is bad also because!!! So go to another bank but Do not do business with this bank.

I have two cards through Capital One. I had really enjoyed them for years. However, they have stopped taking debit card payments and near computer. Tried to force my bank account through without my permission. So I am having to let go of this company because I will not tolerate being lied to. I will really miss this card. They absolutely are refusing to take my payment

I had a terrible experience with Capital One. I opened a credit card with them and, when a problem arose, their customer service was terrible. They made me wait more than two months without solving anything, which shows their lack of efficiency and respect for their customers. In addition, the treatment of the account managers left much to be desired: arrogant and unhelpful. In the end, I got tired of incompetence and decided to close my account. I don't recommend this bank at all.

My wife is terminally ill and was the principal user of our Capital One Credit Card. Since I will not need the card after her death, I called to cancel. Even though I have full power of attorney for her financial affairs, they refused to cancel the credit card unless she talked to them. Unfortunately, she cannot talk. Therefore, they refused to cancel the credit card. I guess our account will be never be closed since they did not give me any way to work around this. They were not at all considerate of the fact that my wife is dying.

If I could give it a negative star I would.. Horrible customer service. Received an email saying they would take care of any overdraft fees I had because of their issues with direct deposit a few weeks back and they had a million excuses. Just closed both of my accounts! Zero accountability for their issues that affect us.

I was trying to purchase time-sensitive tickets to the Olympics. My card was denied because it was a large amount from another country. I called and explained the situation & had it reinstated. Tried again to purchase the tickets & was denied again. I called again and had to take a pic of my driver's license & a selfie & it was reinstated & I was told it would be fine to try again. I tried again to purchase the tickets, which was quite a process each time, and it was denied again for potential fraud. I called again. Now they wanted proof of residency plus the license again!! I closed the account. It's good to watch for fraud but this was an unbearable overkill.

For the past 2 months I've paid my balance in full. 2 times, I've gotten an email from Capital One more than a week after I've made my payment stating the bank returned my payment for insufficient funds. Both times I've checked my bank account, funds are there and no notifications of insufficient funds. Don't understand the game Capital One is playing, but it needs to stop... now.

Inept customer service. Pathetic dispute process. You are better off with literally any of their competitors. Capital One does not listen, they do not care. They will waste your time. The app is awful. The dispute process is a massive waste of time where they expect you to do their job for them. Stay away.

I would strongly advise any business owner to avoid the Capital One business credit card application process. I submitted all requested documentation promptly and in good faith, yet my application has been stuck in limbo for an unreasonably long time. Every time I call, representatives are unable to tell me what, if anything, is missing from my application. Worse yet, they refuse to connect me to any department that could actually clarify what the issue is.

I received their card and charged a couple of transactions. I then signed on to my account and tried to transfer the few points I had accumulated to my Sky Miles account. It asked for my phone number to send the second-tier security code to, (why they could not get it from my profile I do not know) and I got an error message listing several possibilities of why it failed. NO other site that needs to send me a code has had this problem. The error was the account the phone is in was not in my name. It is in my wife's. I called to see what the problem was and they blamed Xfinity for having rules that stopped this. That is a flat out lie. I opened the account the first part of January of 2025 and close it on 2/3/2025. Their "rules" prevented me from using their card. Terrible, terrible service. I have enough credit to get whatever I want at any time or the money to pay it off as I buy it. Never again will I do anything with Capital One. You shouldn't either.

I have 5 accounts with Capital One. They usually are pretty good with credit limits. If I buy a car at the dealership it is no trouble, if I try applying for an auto loan or refinance online they want too many documents. My biggest complaint is their reporting to the credit bureaus. I paid about $1500 on 2 of my cards a few days ago yet today they reported on 1 card. And that report showed like $50 more debt. In October I paid off a 17k auto loan and it took over 2 months to show paid.

They will nickel and dime you to death. Honestly there are over 2000 negative reviews that has to be a red flag not mention the fact that for 3 days I could not access my accounts due to THEIR issues and did not offer a thing for it, but you better your ** they will definitely charge you for anything and everything. Good thing I have more than one bank. Horrible!!! Closed my account with 18.00 left and instead of sending me the money they charged me for “interest” and sent me 1.90. SCAM!!!

They charged me a membership fee of 59.00, I said I didn't want that and they said, "Tough. You still owe it," I said, "Cancel the card," they said, "It doesn't matter. You still owe the fee." So I cancelled the card, what's weird they send me emails saying that if I recommend them to a friend I will get 100 dollars, why would I recommend them for anything, also they were very rude, like a collection agency, I carry no balance and had this card for over 10 years.

I bought a coin on eBay from a china seller. Guess what? It’s fake. Now Capital One won’t credit me my money. I tried to send it back. Even that was fake. Post office made me pick it up. Now the ** counterfeiter has all the rights. Said I didn’t return. I guess we are going to small claims. Called them. Sent pictures. No help. Use someone else.

Been with Capital One for over 15 years. And paying in Full like clockwork every cycle on time. We mail payment ASAP so 14+ days so plenty of time to receive, but yet it post now for the 2nd time we have paid in a money order and both time they state we are a 1 day late. Capital One Customer service and Supervisor says they cannot and will not waive late fee even with our history of payments. But over the next 2 months if we continue to pay in full they will charge us the max interest for ALL CHARGES even if paid off in full until we are in good standing again. When were we out of good standing. This is wrong and needs to be investigate on what they are doing to their good customers.

I have been a Capital One customer for 30 years and I never had a dispute before. I asked Capital One to assist me with a chargeback (my first one ever), and I received the worst service. After having failed to get a response by the vendor, I asked Capital One for assistance. They kept asking for the same documentation over and over and repeatedly denied my claim without good reason. I don't make a habit of doing this and expected better loyalty as a long-time customer. The amount was small, but this is not about the money, it's about the principal. Is it worth it to lose a good-standing account over something like this? I'm very disappointed and I would be exploring other options.

I was a Capital One credit card holder for about a decade, charged literally hundreds of thousands of dollars with no problem, paid all my charges, and got good service and cash back rewards. Then I had an improper charge by a merchant which I disputed. Capital One never investigated my dispute, did not accept my statement of what happened, and then ruled in the merchant's favor. It did not even make an effort to verify what I did to try to correct the overcharge with the merchant. I am dropping Capital One. I am a good customer, pay on time and never had one dispute in ten years and generated a lot of income for this bank. Not a good bank that values its customers.

There was a fraudulent charge on my credit card for $256.35, which I reported immediately, from a company called The Beauty Sandwich in Burbank, California. A couple of days later, I received a package from this company and contacted Capital One to report this. I was told to contact the company, but they do not have a valid phone number. I reached out to the company to return the unopened package that I did not order and was told via email that they do not accept returns.

I tried to pay my bill with the Los Angles Department of Water and Power (DWP). To facilitate this payment, I paid off the balance on my Capital One Savor Card. This took several payments from my bank, as the company keep adding to the balance. I paid in excess of the $6000 credit limit. Then I tried to use the card to pay the DWP. Capital One denied the transaction, then restricted my account so I I have) available credit. I called customer service and no one was able to explain why this had happened. I was told I needed to wait 7-10 business days for someone to contact me. I then received a letter asking me to call "Customer Fraud Prevention." At this point, I discovered that my other two Capital One credit card accounts (which had nothing to do with the transaction at issue) had also been restricted.

After being a loyal customer for over 20 years, I was disappointed to find that my new credit card was not set up for full balance payment. As a result, I unintentionally incurred a $20 charge. I contacted customer service to request a reversal, explaining that this was a one-time issue due to the new card usage and that I would have cleared the balance if I had been aware of the setup. Unfortunately, my request was declined, and I was informed there was nothing they could offer. Despite my long-standing loyalty and clean record, Capital One chose not to accommodate me. This lack of regard for customer relationships has led me to decide that I no longer wish to continue my association with the company.

My husband called customer service for a charge we did not make. The rep was rude and talked over my husband and my husband is a fact kind of guy, not obnoxious. My husband said he was done with Capital One and we are a 800 credit score couple. Paid off our Capital One quicksilver card every month. Customer service was so bad he officially canceled that card. Told the rep we were canceling and in his unprofessional tone said to "go ahead". So we did. Capital One is not the only show in town!

I got a Kohl's card through these people. They wanted automatic payment with my bank info. They wouldn't accept a debit card over the phone. They wouldn't send a bill in the mail. I don't give out my bank info. I'm a senior citizen and I don't do bills through e-mail. So I didn't receive a bill in the mail. They charged me fees and hit my credit score. Horrible, horrible company.

I signed up for the Travel Advantage Mastercard. After using it for 14 months and saving up my travel points for a much anticipated vacation. I have one payment that was returned for insufficient funds. Even though I corrected the problem, they closed my account. I asked for an appeal and they said they don’t do that.

If $1,000 is easy-come, easy-go for you, skip this review. Capital One's customer service is terrible. I had a dispute regarding a $1,000 charge at Walmart. I spent countless hours trying to get Walmart to honor their stated terms, but it was futile. My last recourse was to dispute the charge, which I did. Capital One took Walmart's word that my sale was legitimate and charged me back after initially crediting me. There was no communication from them about this. They just charged me $1,000 without requesting any information or verification from me. I had to discover this on my own when I called them about the issue. They provided a link for me to submit documentation, which I used extensively. I spent hours crafting documents from emails, self-notes about calls to Walmart and the content of these conversations, photos requested by Walmart, and screen captures of the product page showing their stated terms. Hours upon hours.

I would NOT recommend Capital One to anyone looking for a new card. First they tell you can transfer points to any airline, not true. Second, they have ZERO customer support or loyalty. I submitted a dispute against a vendor, the vendor explained that the order was partially delivered but that the vendor owes me for the stuff not delivered. Capital one's next move was to rule in favor of the vendor. It's honestly baffling, and the photo evidence is attached below, how you can take all of this information in and still rule in favor of the vendor. Seriously, you guys need to do WAY better. I wouldn't recommend Capital One. Do yourself a favor, get a Chase credit card. They would never let something like this happen and I'm mad at myself for using this terrible card instead of theirs for that purchase. Don't make my mistakes!

I have been with Capital One for 12 years and have never once missed a payment. After my husband and I both losing our jobs Capital One refused to work with us. The 12 years of exceptional payment history didn't matter. I would never do business with them again.

I submitted my credit card payment on the due date. It said it posted then six days later it returns the payment and tells me that I can avoid late fees by paying it on time. I did pay it on time. They’re just dumb. I don’t like working with this company so I will pay off my credit card and rip it up.

My experience with Capital One has been awful. Their customer service is appalling. Every time I called, I was placed on hold for an eternity and rarely got my issues resolved. The fees are outrageous and hidden. They pop up unexpectedly and with no clear explanation. The rewards program is a weak. Their interest rates are sky-high. I regret choosing this company and strongly advise others to avoid them at all costs.

I just called Capital One, the worst service I’ve ever received from any company. Meg M, senior acct supervisor ID # **, was so rude and unprofessional. She literally interrogated me, with all these questions then said she was listening to me. I’ve canceled my account, absolutely the worst service ever!

I have been a Cap 1 customer for years! My credit line was decreased for no reason! It went from 12k to 5k when I had $4200 on it. Making my available balance $700! Driving my credit usage % to 90! You screwed me and this is the last time. First it was raising interest from 10 to 30%, now this. My account is closed since it's unusable anyway and balances transferred. Screw you right back!

Capital One has been a disaster. I attempted to pay off my credit card. The money came out of my bank account only to be returned two days later. My payment was flagged as fraudulent. I was asked to very my checking account with a bank statement which I did. My account is restricted making me unable to use the card and make payments. We are heading into the 3rd week of this. I gave them the documents they requested. When I call they say someone will call me back and never does. Now I call and they say it will take 7 to 10 business days for them to call me back.

I have been a Capital One customer since they first opened banks which dates back over twenty years. This “transaction interruption” has caused me to lose all faith in the banking institution I’ve been a part of most of my adult life. Capital One has treated its customers like WE’RE the problem. Refusing to answer the phones. When they do answer the phone they put us on hold for hours on end. Refusing to provide a call back option. The only vague communication we are receiving is via form emails. How dare you play with people’s money and treat them like trash for wanting and needing answers. You tout a fully online business banking model but none of your online tools help us do anything. The audacity of Capital One. You should be ashamed of how you are treating your customers, the fact that you got yourselves in this mess in the first place, and the way you are hiding like cowards!

My wife and I have tried to establish joint savings and checking accounts with CapitalOne but we can’t because CapitalOne claims my cell phone isn’t “valid”. I got a new phone and number in December and did everything to notify CapitalOne but they refuse to recognize my new number. So we called CapitalOne customer service 3 times, attempting to resolve this and at least establish joint accounts. They told us that they can’t help us and at least one representative was quite rude and dismissive. That is why we are transferring all our deposits to local credit union accounts, where changing a phone number can be accomplished in one day.

CapitalOne requested a review by email, so here's the review I wrote for them. Capital One pulled a bait and switch on me. You offered me a Savor card with a $250 bonus after charging $500. I completed the requirement, asked about my bonus, then you said I didn't qualify, and you gave me a card without the bonus... Meanwhile my credit score is about 830-840 and sometimes 850. I see there is a class action lawsuit for exactly this and see on Facebook you did the same to many other people. I immediately closed 2 Cap one cards. I redirected my recurring charges on my third Cap one card and will close it ASAP.

I've been using Capital One for checking and savings for many years. I was not one of the unfortunate people who got scammed on the savings rate, mine was always Performance. However, I have been subjected to MANY instances where my purchases with either/both my credit card or debit card have been declined because their fraud algorithm has activated in error. I have spoken to them MANY times about this and have been told that there's nothing they can do, the algorithm cannot be changed. So, now every purchase is a gamble, with that apprehension roiling around in my gut, not knowing if it will go through or not. Let me just add that I do not carry a balance over on my credit card, I pay it off completely every month. This level of 'security' is absolutely unacceptable. Stay away from Capital One.

While I understand that the ACH failure was a third party issue, Capital One's failure to communicate or even acknowledge the issue until over twenty four hours after the fact speaks loudly of their absolute disregard for customer care. Their lack of communication since is/has still been abysmal. Strongly advise against banking with them.

This is a brand new year and unfortunately since 01/14/2025, small business owners like myself have been unable to access our business accounts with Capital One. My business savings account with Capital One has been inaccessible to me via the Capital One App. As a result, I am unable to withdraw and deposit funds to run my business efficiently. Furthermore, I am unable to seek help at any physical location because Capital One has closed all the physical locations in and around my city (Mansfield, TX). The one branch they had in a nearby city (Arlington, TX) was recently closed by Capital One without any explanations or warning to their customers. I have called Capital One Customer Service multiple times since 01/14/2025 asking for explanations and asking for alternative solutions for conducting the necessary transactions for operating my business, but I get the run-around every time or I was told to "check back tomorrow" each time.

Capital One has ripped thousands of Americans off over the last few days by holding our deposits, failing to provide provisional credits, and refusing to respond to inquiries regarding the ETA of system restoration. But what do you expect from a company that was just sued for $2B for defrauding their customers?

I have been a consumer for a long time but they have gone downhill. The fact that it is Friday afternoon and still no Direct Deposit? This is an inconvenience for not just me but other consumers as well. They have no ETA time as to when this will be resolved and it just feels shady business is going on especially when they just got hit with a lawsuit on Tuesday. It is mighty convenient the day before people expect to get their direct deposit. I understand that it is a luxury to receive direct deposit 2 days early but again as I previously stated, it’s Friday afternoon and we still have not received anything and the banks are closed on Monday due to MLK day.

This is horrible. I need my direct deposit and I have not gotten it yet. I need to pay bills and this is not right. That’s my money you’re messing with and you can’t even fix the problem right. Please give me my money. I’m already about to sue this bank for doing this to me and others.

I have been waiting for unemployment funds since September and finally, a deposit was issued 1/15/25. However, Capital One Bank is supposedly having issues with a third party and this affects my $ showing up in my account. Capital One is not answering their phones either. You get through to a silence and then click hang up!!! Wow!!! I will close my account as soon as my $ is available and redirect future auto deposits to my other bank!!

Capital One's systems did crash, Right as lawsuits came in a flash. Their fraud was exposed, Their doors nearly closed—Guess downtime is cheaper than cash! Their site has been down for three days with no end in sight.

Capital One has just attained to lowest level of honesty. My wife paid her credit card 2 weeks early as she typically does. Then Capital One when paid early on the 8th but not due until the 20th changed her next payment date to the 8th 12 days earlier. When confronted they claim AI did it as it thought she preferred that earlier date!!!! When asked to change it back to the date her contract called for, the 22nd they told her they were not able to override the AI system. What kind of crooks are they???

These individuals are essentially thieves. They have their notifications set up in such a way that it does not serve as a proper reminder of a due bill. It is only through email, so if you miss that email and it passes midnight on the day it was due, there is a $40 charge they impose on a monthly basis. They are unwilling to work with you on this matter. They only send the email 5-6 days before the due date. The next notification you receive is to inform you that your payment is overdue, and you have been charged—that's all.

I have been with Capital One for 10 years! They were one of my first credit card I have opened up. They are the only credit card company that does NOTHING for their customers. Stay far away from them. If you're looking for a credit card, I would suggest Chase, Amazon Prime or Citi. Every time I have called Capital One customer service line; they are never helpful. They have no empathy. It sounds like an AI Robot more than a human being. I have paid my payments on time for 9 years and this year I was set back a couple months without a job from moving states. Capital One will NOT waive the late fees. After 3 months of a $40 late fee, I finally was able to get caught up with my new job. I had removed an old account back in October from Capital One on the app. I had made 3 payments after that with my new account. I was relieved I finally was not going to get hit with a late fee for January. My payment is on the 8th, and I paid it on the 7th.

Don't sign up with Capital One. These people have unfair business practices. I received a late fee for paying 30 minutes late. I've been a customer since 2017 and they had no consideration whatsoever. None of my other credit cards have ridiculous guidelines such as this. Just a way to pinch people for small fees.

I gave 1 star because I’m guessing it wouldn’t allow me to give zero stars. I recently signed up for a BJ One MasterCard & I also had a Walmart MasterCard. While Capital One is great with auto financing, when it comes to credit cards or debit cards they have a horrible track record not only for customer service with a lot of people that seem to be outsourced calling centers in another country, they lack the knowledge on finance, credits or debits & ask for your complete identification just to transfer you to another person asking the same information not to mention the automated service badgers you for what is your information & reason for calling. I ordered a TV 12/18 for a gift on 12/25/24, BJ advertised 2-day shipping. It was available locally at 4 BJ warehouses but they decided to ship from Washington DC to NY.

This company isn't worth your time. This company isn't worth your time. I've been a customer for 10 years in both auto and credit. I'm thankful I didn't get a mortgage through them. My wife also has become a loyal customer because of it. I had in mind to build an advantage in credit purchases by being an exemplary loyal customer. This company never increased my credit limits, gave me a fair offer or followed through when I expected it. We got well over a dozen preapproved auto offers basically promising up to 100000 between my wife and I for a car. I applied for a used vehicle. Everyone else said yes. They said no. Not a dollar. This is far from the first time but it's going to be the last. The customer service when I called in was as I totally expected...worse than useless.

My experience with Capital One has been overwhelmingly negative, especially regarding their credit cards and customer service. I do not recommend this bank or any of their cards. They impose hidden fees and later claim they are referenced in clauses that either do not exist or are misleadingly vague. The lack of transparency and disregard for consumer rights is unacceptable. Their customer service is unhelpful at best, offering no solutions and often making the situation worse. If you’re considering applying for a Capital One credit card, I strongly advise you to look elsewhere. There are far better options with more reliable companies that value their customers and operate with integrity.

Do not fall for Capital One cash card. It is a scam. My niece got the card and the offer was after 3 months of spending $500, she would get $200 back. We called after six months and capital one agent said, they will investigate why she has not received it. We called again after seven months and the agent said, she is not getting the $200 back. She said, it is at their discretion, if they would give it to people and they have decided not to do it. No explanation and no reason. My niece is a student and she did was happy to get cash back and a credit card. Now, she is closing her account at Capital one and will use another bank. This is a scam that Capital one is running.

Capital One has the lowest ccl of any of my cards with only a $5200 limit while others have a $30,000 limit. And every time I request a credit increase they say I don't use the card enough. Stay away from this card.

Capital One BLOCKED my three highest limit credit cards when I tried to pay off the cards and my abusive husband cleaned out the account I tried pay with. It took nearly an act of congress to get the cards unblocked. I used to be a huge fan of Capital One, but after how they treated me like a fraud and a criminal in spite of having an impeccable, 10 year history with them, my views on his credit cards have completely changed. Zero relationship management, zero empathy, and surviving the last two months with my highest credit limit credit cards blocked has been incredibly challenging. When I went to the bank to get the issue resolved, they said they see Capital One customers often come in with the same issue. Also, they provide zero assistance or relief if you find yourself having financial hardships. Be wary.

I opened a card because of the bonus they offered. I fulfilled the requirements but didn't get it. I filed a complaint and they didn’t even bother to contact me. The answer was my score wasn’t high enough for this bonus. 820? Seriously?

It is near impossible to get anyone who understands English. They know English words but can't comprehend the English language. I had a restricted card for late payments due to a car wreck hospitalization. They lifted restrictions on another card but not one. I think the original agent didn't enter all the information. They said they couldn't lift it but it wasn't canceled. They don't understand restricted versus canceled. Four different agents just kept pushing me to open a new account but you can't open a new account with a restricted card. It was the worst circle with everyone. I canceled the account. To which they said, no more charges would go through. It was restricted so they wouldn't go through anyway. I am canceling my other 2 cards and the car loan I was just approved for from them. I would never give them business again.

After Walmart dropped Capital One, I received a bill from Quicksilver. It took some time to determine that it was for Walmart purchases. This bill had a partial credit card number for a card I did not receive. I called to say that I had not received it, so they cancelled it and sent another which I also did not receive. Finally, I called to pay the bill and cancel the card. I asked to pay everything that was owed. Next I received a notice by email that I was being charged a late fee and another bill. I, at last, discovered what the bill was for and agreed to pay it, but asked for the late fee to be waived under the circumstances. They completely refused to do so, saying they didn't have that option and that I had reached the ultimate level of appeal. I am very dissatisfied with Capital One's customer service!!!

Capital One Credit Card Review. I recently had a disappointing experience with Capital One regarding their annual fee policy. After being charged the annual fee in September, I decided to close my account and requested that the fee be prorated or waived. Unfortunately, they refused, citing ineligibility without providing any flexibility or reasonable explanation. When I escalated the issue to a supervisor named Jean, the interaction worsened. Jean was incredibly impolite and displayed poor customer service skills, refusing to provide her last name for accountability purposes.

I lost my Capital One Mastercard, and called it in a day later. No one had used it, they stopped it immediately. I was told I would get a new card in 7 to 10 days. Two weeks later, no card had arrived. At that point, I began to move all automatic charges over to my AMEX card. Two weeks later, I had suffered complaints because of auto-payment refusals to my "vendors" (aka it's a personal card, so cable, cellphone, Netflix, SiriusXM, the garbage service, the local gym...) I had been moving everything over to AMEX. I finally called CapitalOne and they said they had no record of my asking for a replacement. But they did freeze my card, including my auto-pays.

I would avoid Capital One Credit Cards. No matter what number you dial you just get a call center in India and all they do is read from a script. I drove an hour and a half away from my home to make a purchase. My card was flagged as suspicious and locked. I called to get the card unlocked and spent a half hour on the phone with a rep that could hardly speak English. And after all that she failed to unlock my card even though she said she did. I was completely embarrassed and humiliated. What's the point of having a credit card you can't use!

I chose a Capital One credit card based on the transfer deal being offered. They were quick to grant me a $20,000 credit line. When I called regarding transferring my balance, the worker advised me to wait and that the offer was good for a year. When I attempted to transfer my credit card balance two months later I was informed that this was not possible and that there were no offers available. I spoke to a representative and was transferred to a supervisor. Both acknowledged that I had called two months prior and that there was a balance offer at the time. Both said they were sorry but to check frequently if another offer becomes available. I believe that this was predatorial and am now stuck with a credit card that I have no use for with credit card balances I am unable to transfer.

My mother is elderly, is now in the hospital with a tube down her throat. I needed to stop a recurring charge from a disreputable company. They insisted on having her verify the account. I asked if they expected me to go pull the tube out so she could talk to them and informed them I have power of attorney. They said they would not do anything without talking to the card holder. Worst company I have ever dealt with.

This is the worse CC customer service ever in my life. You’re robbing elderly customers and charging too much interest! 70$ a month for interest is robbery! Charging 40$ if you pay your bill after 8pm. PEOPLE WORK FOR THEIR MONEY!! Thievery at its finest!!

I was with Capitol ONE for many years. They were one of my first cards while building my credit. After so much time I had many other offers and cards along with a credit score of 800. So when I told them I no longer wanted to pay an annual fee, they didn't care and my only option was to close the account. I had one other card from a different company with an annual fee and they gladly waived it for me. Not Capital one! The bill wasn't even due and had a zero balance but they made me pay it and told me I would get my money back after I canceled the account. Well I was expecting 7 to 10 days but nope. 2 to 3 months!! Perfect history with them and zero balance and now they are keeping my 39 dollars for months!? Ridiculous and zero customer loyalty. I will never have another Capital one card and I will always tell others to go ANYWHERE else.

I made a purchase to a company and could not find the invoice. The company would not grant a refund or return of the product. After numerous contact points with Capital One they refused to help with either a refund or to process the complaint. They are a fine card as long as you make your purchases and pay your bills to them. Don’t expect any back up. After 12 year time with them, I cancelled my card with much prejudice. Gregory ** MD

I've been a customer for over 12 years and previously would say I've enjoyed the credit card, but this last trip I decided to try their travel rewards program. I booked my entire trip to India for a family of 4 through their travel portal. I made sure everything was confirmed before I left. I arrive in Upiapur- extremely tired and jet lagged to find out that my reservation was cancelled ??!!? and they are sold out so we have nowhere to stay. (Our driver says this happens because someone probably needed a room and paid under the table?)

I have been a customer of Capital One for many many years. Small issues here and there with them declining online purchases with Ticketmaster, but after a quick call to their customer service department and them texting a verification code to my phone for me to give to them, the purchases were allowed to go through. Then this past week happened. I was making purchases for Christmas at a large retailer in town. The purchase was declined. Usually Capital One will send me a text asking me if I just made a purchase. This time no text, so I called customer service. The agent texted me a code that I repeated to him on the phone. He lifted the restriction and said that the purchase should now go through. After hanging up I took my receipt back to the cash register to pay and my card was declined for a second time.

There’s absolutely no incentive for having a Capital One credit card unless you have a perfect credit score or plan not to use the card. If you have a late payment oops, they don’t offer a forgiveness or waive the fee. There are monthly service fees on top of your monthly payments. Again, no incentive to having this card. When you pay off the card, they will delay seven days showing your account at 0 balance… Stated they wanted to make sure it was me who paid off the card. Very interesting!!!! 🤨

Capital One is a company I would never get a card with. I once were a customer of their card and every month without using card my balance always at max limit. I would call and state that I never used cards and this one time the operator put me on a three way call and the company I never heard of knew more about me then I did. I pleaded with Capital One that not mine. They refused to listen. I canceled my card and since they held me hostage to scam purchases I over paid the limit. I was sent a cheque for $3.71 which is still on my fridge and refuse to cash out. Out of nowhere I get a call from Capital One demanding payment. I explained, "I don't have your card and haven't had your card for years and to this day." They have now affected my credit score. They claim I have card and I said I would never get another card ever from Capital One.

As bad as ever, I mistyped my telephone number when setting up my profile, and now getting it changed requires me to scan my DL- sure, so the world can see it next time the bank is hacked. Now I can't log in to review statements online, so that undermines their claims about protecting my security. How can allowing me to use the card but not allowing me to review the charges online be for security? A clown show. I took the card out for the REI bonus offer but it is not worth it. Get ANY other card instead.

I am my Mother's POA. She has had a Capital One credit card for over 5 years with no issues. At the end of November, she received a letter stating she needed to verify her birth date by early December or her account would be suspended and closed a month later. I called Customer Service and the rep could not find any notice or indication that info was missing. I was told to disregard the notice. But sure enough, in December Mom's account was suspended.

I honestly had been pretty satisfied with my Capital One credit card for the decade that I've had it besides the ridiculous interest rate. but in September I received an email saying that I haven't made my payment and I should schedule one in the few days remaining but I knew that I mailed a check. so I logged in to the web portal to check the status and it showed that my mail payment was processing (it said they received it on the 13th and my due date is the 17th). Turns out they decided to hold that payment and charge me a late fee on the 17th and then post the payment on the 18th. I didn't have time to call them at the time but a few days later I logged back in and saw that the payment date was updated to the 13th but the late fee was charged to my account on the 17th still.

I wanted to inform the public of how Capital holds no regard for the security, safety and lives of their customers. I found myself in a situation, in where my vehicle broke down and resulted in me being stranded on the side of the highway at a very high trafficked location. I'm speaking of hardly any shoulder with eighteen wheeler after eighteen wheeler flying directly past me, only a few feet away from me stranded inside my vehicle, whooshing right by me, only a couple of feet away at an average speed of 85 miles per hour.

I chose CapitalOne for the reviews. However, setting up the accounts is NOT speedy. It has taken over a week. Called and was told to wait 1-3 business days (this on a Friday) for my phone number to 'register.' There is no other option given for a confirmation code. If you only have one phone, well, you're out of luck when there are issues confirming. I suppose my rating will change once the accounts are set up and running.

I was attempting to pay my property tax bill online through Capital One. I don’t know if it was my error or Capital One's error, but the money was sent to California DMV instead of Riverside Tax Collector. I IMMEDIATELY saw the error and attempted to cancel the transaction. I kept getting an error message saying my request could not be processed. Long story short after speaking to numerous customer service personnel I was told that the transaction had posted and it could not be reversed. I would have to deal with DMV. There’re was absolutely no attempt to offer a solution. I cannot believe that the bank does not have the capability to immediately reverse the Transaction. They just don’t care about their customers. It’s not the first time they have refused to help me with my account. I will never bank with them again.

Capital One froze all my accounts for no good reason today. Supposedly due lack of information? I am changing banks. Is what they did legal? Did they follow proper & appropriate notification methods? I don't believe so. I have been a Cap 1 customer for years and today they stole all my money. Shame on them!

I have had Capital One credit cards in the past. Applied for a new one with a sign on bonus. Forgot I had frozen my credit so when I got an email from Transunion I unfroze that file. It was still rejected because Capital One wanted to pull all three credit agencies and put three hard inquiries on my credit report. A number included in my rejection email included a phone number in case I wanted information or to reapply. That number is for telemarking and doesn't even have a live person. Just a recording trying to sell you medical alert devices and other things. This leads me to believe I don't even want a credit card from such a sleazy company.

I’ve had Capital one for about 10 years now and they still refuse to give me a credit increase. My Amex card that I got after capital one has a $45,000 limit while my capital one has $4000 and I’ve had them for much longer. Also, my credit score is at 810. I would stay away from this company. I haven’t had the best experience at all but I don’t want to leave due to my credit.

Their ads and offers are not respected. They lie to their customers. You fulfill their requirements for rewards that they promise but they do not pay back anything. That's reward that I could have secured had I used another credit card company. Their customer service is horrible, and you always speak with a bot/robot and submit cases that they do not follow up with you on. It is real stress to carry their card. Last time I go with CapitalOne for any of my financial needs.

This year I learned from the IRS and the MD Dept. of Taxation that they didn't receive payments from me in 2020. I found out that Capital One allowed a private individual who stole my checks to cash them even though they weren't payable to her. Capital One refused to pay me until I filed a report with the Consumer Financial Protection Bureau, and then they only paid for the federal check with no interest or penalties.

Ridiculous and horrible, over two hours trying to get a hold lifted and no success. They suck. They are just trying to avoid solving problems and pass you to the next person who passes you to the next person.

As a business owner, time is our most valuable resource, and I simply can’t afford to waste it chasing down mysterious credit card charges—like an inexplicable $65 that seemingly appeared out of thin air. What’s worse? The customer service experience has been nothing short of infuriating. I’m not one to complain, but this is beyond frustrating. How did a company that was once so seamless and reliable turn into such a headache? WHAT HAPPENED?

For over ten years, we have had a CapOne credit card. To help manage recurring payments and shield that card number from fraud, we have three numbers for the account. One in my wife’s name and two in my name. One of the card numbers in my name is used exclusively for recurring payments. The other for daily use. This way if the daily use card is compromised it doesn’t affect any of my recurring payments. Recently, and without notifying us, the secondary number (the daily use card) in my name was cancelled. I found out when I tried to use the card and it was declined.

All around poor service. Apparently someone tried to use my debit card for an unauthorised purchase. My card was cancelled. It's been a week and Capital One have yet to get my replacement card to me. I called them on Saturday because I was to get my replacement card on Friday which I didn't get. They advised me to wait until Monday, I waited and still did not get my card. I called customer service and they had no resolution other than advising me to tell money to family and friends for cash until I get a card that might take 7 to 10 business days. I am ready to take my business somewhere else.

I have been with Capital One for over three years! At 12:30 AM on a Saturday, Capital One decided to lock my card due to potential fraud. They didn't text me, call me, or anything. They just locked my card while I was out with friends. Not only was I unable to use my card, but I was also embarrassed. I called first thing Sunday morning to explain that the transaction was made by me. They still refused to unlock my card because they stated they needed to speak directly to the banks linked to the account.

Like many others, I have reached my limit with Capital One. Someone attempted to open a credit card using my personal information, which I promptly reported after receiving an alert from my credit monitoring service. Despite my efforts, after 3.5 hours and speaking with five different representatives, I had to give up. Weeks later, I received a letter from Capital One requesting "supporting documentation" for the fraudulent credit card application, referencing an *Application ID* provided by Capital One. Determined to resolve the issue, I called again, armed with this reference. However, after being transferred between eight people and spending an additional three hours on the phone, I gave up once more.

Capital One has told me my account is closed. However after taking my deposit leaving me with a balance of $7.58 they added $40 for what they call late fees. If my account closed how is it possible to add $40 late fees when capital one a remittance transfer agent has my remittance coupon for the credits of $300 dollars and has not processed my payment before closing my account and every other day they add more fees last week $25 late fees. This week they say $40 late fees on $7.58 cents. Clear sign of fraud. Also Freedom of information act was put in place as a right for consumers to obtain records of conversations and call logs

They closed all my credit accounts because payment of $30 was bounced back. I was traveling, spending money... now I am back and I can pay everything... but closed all accounts 2 days later payment bounced back. I never had late payments, or anything, always was a good customer. Absolutely terrible bank.

I never missed a payment in 2 years and never got but one credit increase of $100. Capital One would never give my deposit back like they said they would. They said I missed a payment and then refunded my deposit with a late fee from it. Talk about scammers. They also put the money back in the account and won't let me pay it off and get my security deposit back. I am going to get away from this sorry bank for good. Beware because they don't give a crap about you. Trying to get rich from other people's cash.

I, Kevin **, have been a long-term customer of Capital One Bank. I Have the Highest Respect for such a huge company, but they work with you one on one. You are certainly NOT just a number (ie. customer). They have been the title owner of a past vehicle I purchased in 2007, and I still have a Capital One Credit Card. I Most Recently double-paid a separate company my Monthly bill. CAPITAL ONE understood my situation and allowed me an extra week after my payment was due (eg. waiting for the reimbursement of that 2nd company). Little things in Life Mean the Most. Thank You again, Capital One!!!!

Just avoid these people at all cost. Save yourself the headache. My account was closed after I paid my balance in full. I called and had to talk to 3 people before I got someone that spoke English as their first language. No one would give me a straight answer just that my account was closed and to have a nice day.

Ms. **'s excellent phone demeanor as well as product knowledge was above and beyond her job description. The personal effort she made was obvious. Helping to start the process resolving unauthorized purchase on my debit card. Every effort for teamwork resolution- perfect!

They want all your banking information just to make a payment when you try to go on the app. It comes up somebody else’s name and they want you to illegally change the password on somebody else’s account to get into yours. They somehow had my daughter’s name on my account and wanted me to reset her account in order to get to my own. The company is a joke. I have never dealt with people that have such a little common sense in my life. Why would I go on somebody else’s account, change their password in order to get to mine? Makes no sense and sounds very illegal, but apparently that’s how they make their money getting other people to hack into somebody else’s account and when you call customer service, they know absolutely nothing.

This company is insane. Paranoid to the max. All of a sudden, my identity is questioned for no reason. Demanded that I upload copies of my driver's license, etc. never delinquent, paid on time... And I only called them to dispute two charges from mailaletter.com, a rip-off company, who takes your money and doesn't send your copies. They acted as if I was a criminal. I'm closing all my Capital One accounts (I have three) and moving on. Too many reputable companies like Discover, Chase and FNBO to deal with these scumbags.

Some time ago I changed my phone number. It was impossible to register my new phone number. It was actually a nightmare because this credit card DOES NOT give the customer an option to use email instead of phone to receive a verification code. Two years later, yesterday I was returning an item at a mall. When opening my Capital One statement on my iPad to show the receipt I couldn’t because I had taken with me my iPad instead of my flip-flop phone with me. The reason was that the receipt had been sent to me to my email address.

Worst credit card in history which involves 40 years of using them. They sent me two cards; neither works at any gas stations. All my other credit cards do with no problem, and this very experienced card user has never had this issue with a card before. The Capital One customer service blew me off saying there was no record of that. Well when the error message on the gas pump displays, it indicated on both CO cards problems with the chip. No, I don't walk into the gas station; I just use another card (last time it was my Discover card) which worked perfectly. I truly regret selecting it as a card to accumulate Frequent Flyer miles.

I am now finally done with Capital One. On more than one occasion they have failed to back me up on faulty/returned merchandise charges. The straw that broke the Camel's back is Capital One advertising 3% back on purchases from eBay. It says so right on the log-in card page. Not someplace else. Well I just ordered almost 1000$ worth of Lithium Ion Batteries from E-Bay and they only kicked back 1.5%. I called to get their attention. NOTHING DOING! Problem is; IF! anything goes wrong I can expect NO cooperation from Capital One. In addition their reclamation process is laborious, time consuming & in the end WORTHLESS!. For a lousy 14+ dollars saved I'll use my Wells Fargo Credit Card. ANY DAY! They take complaints seriously and they resolve them!

After being a valued customer for many years, became a victim of fraud transactions and did not get any support from Capital One to resolve. They were quick to complete investigation and charge me for the transaction. It was pennies compared to the money I have spend on their cards every month. The fraud team and customer service both have zero understanding of how to value customers and they didn't even make any attempts to resolve the situation. Closed out all my accounts, no going back.

I always pay them on time yet they dropped my credit limit without any warning. My last negative experience was trying to cash a check from Credit One. I was treated like a criminal and was asked who my contact is there, like I’m supposed to personally know them.

Almost 3 months since they decided to restrict my account for no reason, depriving me of being able to even see my own credit score, this week only it's the 3rd time I spoke with your agents and send them all my IDs and other data, including a selfie holding my Ids and cards, bank statemens, mailing photos, EVERYTHING, over and over, to make things worst since the last call I have been receiving emails from companies I have never heard of telling me that i need a background check before enjoying their privileges....

My card was declined today. Had them run it twice, no luck. How embarrassing. Checked my mobile app to see why. There was no alert, all looked to be fine. Checked my phone for text/email, nothing. Called customer service. Was told that "sometimes they need to confirm information". They turn off your card to get you to call in?!! What a crappy way to update accounts!! I have never been treated like this and I've been with CO for years!

I was approved for a specific line of credit. This was for my business. After I had the card a few months and used it regularly capital one cut my credit in half. I pay my bill in full EVERY MONTH. When I phoned they said I wasn’t utilizing my entire line of credit so they reduced it. They refused to do anything. I explained with my business I order equipment that comes out of the country when I do that I need a larger line of credit. They didn’t care. My biggest complaint is they reduced my line of credit and reported it to the credit bureau. As a result my credit score was reduced from 830. I’m very conscious of my credit score.

I am deeply unhappy with this card. I have Capital One Quick Silver Credit Card and have been a customer for a number of years. I always paid off my account fully using auto withdraw scheduled payments, not to miss any. Last month I found out they ruined my credit because they had incurred interest on already paid balance, which again had auto withdraw program enrolled the whole time. They reported a late payment without bothering to even call me. Shameful and inexcusable. After I called them to have them to reverse, the agent falsely promised me he would handle it and clear the issue. Yesterday I found out he did not act on it. I had to call, keep on hold for 30 minutes only to have them say them same thing. This time I asked for the full name and and a reference number. We will see what they do. My refinance did not go through because of this! Very unprofessional and careless sloppy reporting which I will away from them...

This is absolutely the worst company I have ever dealt with. A customer for over 24 years and they treat me horribly. There was fraud on my account and I had to get a new card 9 times in two years, that should tell you something right there. I paid the card off and closed the account and they come back to me that I still owe interest and they refuse to fix their mistake. I told them to go back to the "recorded" conversations that they told me I was paid in full and no other charges would be on my canceled card. They refused, they do not record. They lie, lie about everything. BEWARE! Horrible company. They treat customers like garbage.

I am a loyal customer, and have been for 18 years. I have, by their own credit bureau, a score of 819. While visiting Credit Wise they offered me a pre-approved chance to apply for the Savor card. I applied, and this dinged my credit by 3 points, and the card was declined. They didn't tell me right away, and it wasn't till the next day that I found out. They said it could be 7-10 days to get their reasoning in the mail. Well, I can tell you what's not in my wallet now.

Terrible customer service. They have hidden interests that is not reflected in their billings. I paid my card off and they still charged interest the next billing cycle and there is still a chance they will charge interest on that interest in the next billing cycle, since they start charging the interests days before you even receive the bill. Their business practices should be illegal.

Capital One offered to raise my credit limit if I verified my income. I did verify income & they denied the increase....year #2. However, other credit cards increase my limit & offer me loan regularly. Usually at 9-12 month intervals. I appreciate that so much. Capital One also lists my credit score at 50 - 70 points lower than other cards. I enjoy doing my credit card business with anyone other than Capital One.

Hate Capital One. Their customer service is non existent. Can't withdraw more than 200$. Can't login with the app. 0/10. Would not recommend ever. Do not download. Made my family and friends close their accounts. Terrible bank. Worse credit card. Awful.

This awful organization hiring Jennifer Garner says it all..Cut up all my cards, NO MORE LOANS or business for Capital One. Rotten customer service. This customer has tried over and over to give this company a chance.

I tried to pay my balance early and because you can only pay by linking your bank account I had fraudulent charges on my bank account. After fixing the issue with my bank they closed my Capital One card because the payment got returned. This payment was still two weeks early. The days anytime a payment is returned they close your account and they will not reopen it and you have to wait 6 months before you can reapply. It was their app that caused me to get fraud on my personal bank account and then they closed the account for me trying to be a good customer and pay early. Worst business I've ever dealt with.

Don't trust Capital One to have your back! They promise everything, and delivered nothing for me after I was scammed out of over $3500. I spent countless hours providing many documents and wrote letters they requested, only to be told "Sorry.... Bad luck if the merchant doesn't return the money." (As if a scammer would return my money!) Beware of Capital One! Avoid them.

Their bonus offerings are a scam. They say when they are going to pay them out but they don't. Do not fall for this. They are getting you to open an account with them by tempting you but they keep putting off when the bonus will pay out.

On multiple occasions Capital One sends out promotions soliciting consumers to apply for a credit card. Unlike any other company they oftentimes require a bank statement claiming they are looking for established income but are actually viewing your history and number of other credit cards you pay. I know this after I proved my income but they declined based on number of other cards my wife had reflected on the statement. They misrepresented their findings. I had one credit card with them and always paid ahead of time and more than what was due. I no longer use the credit card as it is less competitive than BOA and Citi. Avoid Capital One.

Bad Customer service. Long process for any application. Only interested in profit making and not customer appreciation. They really don't care about customers. Capital One as a company supports discrimination and retaliates if reported

When I saw the due date, I saw that it was due on the 17th so I marked that in my calendar. When I went to pay, based on my calendar reminder, I was informed that the payment must be before 8 pm EST. This was obviously not made clear enough prior to signing up. All my other accounts have a 12 pm EST cut-off. I didn't realize that Capital One was the same company that pissed me off years ago with this. They still have not changed. Once the balance is paid, I won't be using them again.

Hello, I've been dealing with Capital One for many many years--at least 20 years. My recent experience with auto loan has been really baffling to me. I won't go into details because my aim is to get solution but it has been a horrifying experience for me and trying to contact a higher up in the customer service...

Shame on you, I had my account tampered with and several fraudulent charges and they said sorry. Not their fault!!! Always paid my bill on time every month and they charged me a late fee because I asked current balance due to the fraud charges and they and never sent and would not remove late fee. They mess up and get no fee but I did, So bad at customer service. John Travolta please don't promote them, they aren't very nice!!!!

I had 3/4 Capital One credit cards. I added my son on the card. He attempted to make a payment on the card, there was a proven bank error and Capital One closed all of my cards after 8-9 years with them and without a previous issue. My cards were all paid on time and under the 30% utilization. The rep did not hear me out and refused to reopen cards. I filed a complaint against Capital One.

Irene is the best customer service agent. She answered all my questions and gave me solutions in 3 minutes, she's great. She also speaks loud enough, clear and coherent which is very important in the customer service industry.

I have been a Capital One customer for probably 20 years. I had three accounts, but closed two of them as I wasn't using them. The remaining card is used monthly for reoccurring business transactions. I needed a credit card for an upcoming trip out of the country with no foreign transaction fees. I applied through my account and it changed my city and zip (I didn't catch this) so lord only knows where it wound up. Got it fixed and even paid for expedited shipping. Received the card and activated it. I decided to use it that night for an online transaction. It was denied. Weird, but maybe I typed something wrong, tried again and denied.

I live in Florida and due to Hurricane Helene & Milton I am unemployed for a while until my workplace which is on the beach is repaired. I have a $1000ish balance that has to be paid on Oct 16. I saw they had a message in the profile "We are here to support you through Hurricane Milton..." I called to ask to pay my balance by Oct 30 with no interest as I have no paychecks coming until then. "No sorry, there is nothing we can do" was their answer, That is the extent of their help. I cannot wait to be back to pay this off and NEVER use this credit card again and hope they will cancel my card for no use so I can apply with other companies. Stay away!!!! I asked for an extension, not forgiveness of my debt!!! Their "help" shows how much they do NOT care... I won't ever apply for A C1 card again!

Capital One has some of the worst customer service agents that I’ve ever had to deal with. Nobody that I’ve dealt with can ever help you at all including managers. I even had my debit card deactivated because they sent out a new debit card and it was in the mail, however it wasn’t coming for three weeks and my current card was still good for another month and a half. They still refused to let me use it, saying well we can only allow access for in person use at a physical store, well I believe that should be discrimination against people who can’t physically get out to a physical store and have to rely on online services. If I could rate them lower than one star they would be a negative five. They are the absolute worst banking service ever!!!!

I have had my Capital One card for 12+ years and when I started out I needed it to build my credit. For the past 6 years or so I have called and they have waived the $39 Annual membership fee but today the customer service rep Molly refused to waive the fee. I have never been late on a payment and I have only used the card 3 time in past 4 years. I paid the fee and canceled the card. Not Happy with Capital One!!!! Capital One lost a good customer today. I didn't use the card much but when I did I paid it off on time or ahead of time.

Capital One is a low class money **. It notified me I owed money (I did because I had double paid the previous statement and they returned my payment). The most current paper statement I received, due 10/8 stated I had a credit balance. Today I received an email saying I either pay or be penalized, even though they had NOT YET mailed me an updated statement. I chose to give credit where credit is due and Capital One just earned my evaluation. Caso cerrado!

I used to love Cap One. Use their checking savings and two cc’s. BUT after today my goal is to get rid of them. In a time of need for so many given the hurricanes, they refused to bump up my credit limit. Asking only a couple hundred dollars. I live a mile from the gulf. Also near Tampa. Both hurricanes devastated us. When speaking to first representative he transfers me to a collections agent by mistake. I’m not in collections BTW. Then next person has no idea about nature of call so explained for 3rd time. And answer is, "We don’t help you in any way during these times. But you can apply for a regular credit limit increase." And of course no answer from this agent either. You will get an answer mailed in 7 to 10 days. LOL. I said, "Meaning not approved." She had no answer. Funny. My online app told me I have a document as soon as she said what she said. Opened it. DECLINED. Garbage company.

Aug 20th, 2024 I flew from Detroit, MI to Birmingham Alabama, for my grandma funeral. Issues at the counter I was not able to rent my reserved rental car, I immediately called Capital, they said they would refund my credit and I was all set. Well here we are Oct 10th, I still do not have my wedding name on my ID, and my refund was never given. I had to spend all this time on the phone today, again for them to tell me, they have not heard from Hertz so that I can get my travel credits reimburse, and I have to wait for another 3 days for my cc to come, which is too late, because I am flying again this weekend. Even after years with them, business owner and on time pays, they will not increase my $12000 limit. I am not forced to use my Amex for this trip, when clearly I just wanted to use my travel credits with CAPITAL ONE. I still recommend to others, I am just taken aback with the one sided loyalty

My husband and I have been dealing with Capital One fraud dept since Aug 25, 2024. We initially contact because we got notices that our information on our card has been changed. Phone numbers and address were changed. At that time Capital one did not shut down our virtual cards. Their answer was to keep issuing new cards. We have called every week for 7 weeks and repeatedly sent copies of drivers license front and back with a bill with our name on it. Proving who we are but the scammers were able to continue to charge? The scammers were able to also drain our checking account because it was attached to our cards for faster payment.

I am very disappointed with Capital One Customer Service. I currently have the Quicksilver account. I received an email with options to upgrade to one of 3 other accounts. As I was reviewing, I accidentally hit the upgrade button for one of them. There was no option to confirm and I immediately received the "Congratulations you have upgraded". As soon as I saw this I called customer service to cancel, as the upgrade is not one that would benefit me. I called twice and the second time was connected to a supervisor. I was told this could not be done. The supervisor was very curt and not willing to help at all. I have had Capital One for many years but will be canceling my account with Capital One.

Worst customer service experience I’ve ever had. High warning on the 40 dollar fee if you live in the west coast and make your payment after you get off work. All they wanted was access to my personal bank account to take a payment of whatever, when they feel appropriate. I’d give them zero stars if I could and paid my total balance and cut the card up and will never make a purchase on them again.

I’ve been a customer with them for years and almost every time I’ve had an issue with my card, they’ve been of no help. I just get a lot of “sorry that happened to you but we can’t help”. Their agents are embarrassingly poorly trained and many of them aren’t good listeners. They’ll pretend to empathize but you can tell they’re sort of dim. There’s often been times the agent I was speaking to made my issue worse (said one thing and did another), and I was left to clean up the mess myself. Sometimes I’ll talk to 2-3 agents on the same issue and get three different answers.

Capital One is a scam credit card. Do Not take out credit card with them!! They were charging me 92% interest. I had to call a lawyer who explained to me that what they are doing is illegal!! And my lawyer filed so they can be fined, he explained even though it’s illegal they can only be fined and they don’t care to pay the fine because in charging us so much interest they still make more money from us than what they pay in fines. This is horrible to do this to people! Shame on Capital one!!

I applied for a Capitol One Quicksilver card. The card was supposed to have a 0% interest balance transfer for 15 months. After a couple of weeks after receiving the card, I went to apply for a balance transfer. I was told that they decided not to honor the balance transfer agreement. They gave me no reason. My decision to get that card was to utilize the balance transfer. I have excellent credit. It makes no sense. They wasted my time and an unnecessary hard inquiry on my credit report.

Holy moly, what a nightmare. It takes hours to reach a customer service rep. Finally decided I didn't need this unprofessional headache. It took weeks to get them to close the account. Then they sent several overnight letters to say I'd better re-think that because they'll never let me come back. My score is above 800 so I don't need to deal with idiots.

I just closed my two Capital One credit card accounts due to poor customer service today. Apparently I made a valid transaction several weeks ago when buying new cell service. I was declined (no reason given). Apparently it was flagged as fraud in my account. No notification was sent to me to fix. I attempted to use my card this morning and it was blocked due to the fraud. All this is fine. Then I called the customer service line to attempt to fix the card. They told me they needed to verify my identity. I gave them the cell phone of the account to send a text to verify. They told me the system would not allow that number to be used.

Capitol One is one step worse than going to the pawn shop. Their offered credit limits makes me feel like they are about to go bankrupt or take your money and disappear! HORRIBLE! You could do better by buying 10 lottery tickets...and losing on all 10. Do yourself a favor and go elsewhere.

Horrible! After paying my 2 Capital One cards on time now I'm involved in the hurricane Helene and I called to see if they can help and they won't help. Instead they moved my pay due date even earlier.

I have had nothing but issues with the bank and the reliability of the bank is a joke. The ongoing problems using my own money with purchasing issues non stops. The bank only cares about the money and what they make off each individual customer. It's just crazy that the country allows these banks to operate without any of the guidelines that other companies have to abide by in the United States.

I am a long term customer and they charge me $29 late fee for paying on the day it was due but because I was 1 HOUR late. They can't take it off the late fee. This is ridiculous. If I could give a 0 star I would.

Capital One Bank Credit Card has been very unfair to me. I never missed a payment in all the time I had their card and paid off and closed my account on June 28. On July 3rd they took 133 dollars out of my account without my knowledge or consent, bouncing my account. When I contacted them I was told that two of the merchants had not sent in their bills and so I had the additional charges. I told them they bounced my account and they refunded the money back to my account July 19th. So I assumed the error had been corrected and we were even.

Capital One has been our go-to for some bank accounts and credit cards for the last 20 years. We have not had a credit card fraud claim in 20+ years and when we needed them to help, they failed terribly. We recently created a claim and somehow they changed the amount of the claim (I sent a screenshot of their online form showing the correct amount of the claim), and when I called they created an "exception case" for the remainder of their incorrect amount.

I have deposited more than 100000 dollars to this bank. They were happy to receive the money and that was no problem at all. Until I decided I wanted to buy a car with that money. And because my bank account is “too new” I am not allowed to do a wire transfer order a cashier's check or increase the limit in my debit card. They also do not have any physical branches anywhere near me within 50 miles. They basically stop me from accessing my money… I am obviously running away to a different bank as fast as I can!

The worst bank. I opened an account to put my savings in for my baby's emergency. Now they hold my money without my permission and freeze my account, and I am not able to access my money. I tried calling, but their representatives are rude and very unhelpful. I asked them to close the account and release my money so that I can buy formula, diapers, and medicine for my baby. However, the representative was very unhelpful and did not care about my problem. I will never bank with them ever again. I don't have any money to feed my baby, and they don't care about my baby starving just because of their stupid rules. I was also told that just because I bank with them, they have every right to my money. It's utterly stupid. I will never bank with them again and will not recommend to my friends and family and everyone.