Capital One Reviews

Can't make it a zero star or I would. Don't do it. I opened a secured credit card with them. I was told I could add to the security before activation. Got the card and the only numbers/web address they gave were to activate it. Called the number and it asked me to set up a pin and then told me my card was active. Fought with the automation till it finally sent me to a person who told me because the card was activated they couldn't do anything. That I would have to wait for two billing cycles (60 days) for them to mail me a check, that would take 10-15 days to arrive. So they would hold my money for 75 days in total after a 20 min activation I didn't agree to. Go get a discover card and never bank with Capital One.

I had a very bad experience with a customer service representative. I applied New Venture X credit card online and approved right away. But still not access to link my account with other credit card. I called in next day and she said that social security no is wrong and corrected and wait for to updated in the system. She also told me that with next couple of hour I can use it but still not working. Now next day (after 2 day) I called again and the representative found that the lady who updated my social security mess up my no and put the wrong no. Now I have to wait for minimum next two days. Even I received my physical card I can't use it because of that mistake done by the customer representative. I applied this card to purchase a ticket. But I can't because of their negligence. Who is responsible if my air ticket price increased. I am really frustrated and irritated with it. Please be very careful with the customer representative.

Updated on 10/23/2024: I have three credit cards, my primary checking account and primary savings account with Cap One. I started a new business and applied for a business checking account. I was immediately denied with no explanation. I was sure I would receive another email detailing why it was declined but never did receive anything else. I went to Chase Bank and immediately opened the account with no issue. About two weeks later, I received the claims check for hail damage to my home. The check was made out to me and my wife and the mortgage company. My wife and I bank separately. We took the check to the mortgage company and they endorsed it, my wife endorsed it and I endorsed it. I uploaded it to Cap One and went about my business.

I have been with Capital One for many years and I have always had the same credit limit whereas my other credit cards have increased my credit limit over time. I have a new Lowe's card that I received 2024 with the same credit limit as my Capital One! I asked for a limit increase and they decline and when I got upset, they told me that they are sorry I felt that way but "Oh well, that's how you feel" per their overseas manager! I am so tired of talking to foreign people about my credit information here in America! As per another review, if I could give zero stars, I definitely would!

I am so frustrated at not being able to use the on line banking. Tried to get 2023 statements for two of my cards and since my credit cards were replaced that year with new numbers, I can not access and print my statements. The chat is simply worthless. The AI chat can't respond to a simple command or question. No questions were answered and they could not provide access to my correct statements, such a waste of time. I am sick of the way business is done now. No personal attention, they make the customer run around and get frustrated not being able to do simple tasks. I loved my account reps many years ago at Capital One and recommended them to everyone. Now I would advise anyone considering capital one to go elsewhere where you can get real service.

I have had accounts with Capital One for 15+ years without a problem. When working with them on an issue with a credit card payment due to technical problems, there was no accommodation even with the good history we had together. The current business model appears to be aimed at volume, not service. "If you don't like it, it's okay, go ahead and take your money elsewhere, we will just get someone else."

As a new cardholder, I was on the phone by customer service. I would receive my increase in 6 months....in my first month I paid 12 $60 payments which is more than the damn card...by March... Experian had me at 100% exceptional on time payments....by 7 months I still never got my increase....if I would have gotten it, I wouldn't be in the mess I am now....I've paid more on that card than it's worth....they lie, they are horrible...I see why 1 star reviews but it would be 0 but we have to leave 1 to leave reviews...I guarantee no one wanted to put one up... I'm consulting with an attorney because they restricted my card just $24 over limit and it was from their fees I wasn't even supposed to be charged in the first yr...now I owe $544.00 when I opted in for overdraft. Don't use them...

The worst freaking bank ever! Do not bank with them. I have a checking account with them and they hold every single fund sent to it (not through direct deposit) for several days. And cannot offer any way of GIVING YOU YOUR MONEY! Even if it’s a paycheck, which with any other bank is same day deposit/availability. Everyone on the phone sounds like they hate their job and are so unhelpful. Not sure why anyone banks with them.

Capital One gave me a chance when no other bank would. I gave them my loyalty for that. Car loan and credit cards. I paid off my car and was enjoying the relationship as their customer. Until I connected the wrong account for auto pay. Once I realized, I fixed it and had no other issues. Even though I fixed the problem, my accounts were closed. I'm floored. One mistake and 15 years of my loyalty and payoff didn't matter. I'll never had anything to do with this bank again.

I have been with Capital One for over 10 years. Perfect payment history. Account in good standing. I fell on hard times due to loss of income in my household. I called Capital One on two different occasions within a 6-month time span, requesting assistance with my payments (ex: temporarily lowering APR or lower monthly payment) however they offered NO HELP in my time of need, however, other companies assisted me on the first request!. This company does not care about the people who keep them in business. They're heartless and ruthless!

I applied for a Capital One credit card, and when it arrived, the letter instructed me to activate the card online or through the app. I logged into my online account, but the website directed me to activate it in the app. So, I downloaded the app, but the app told me to call instead. What a frustrating experience! Unfortunately, this was just the beginning. When I called, I was told they didn’t have my phone number on file, even though I had provided it when applying for the card, and it was also listed in my online account. They said I needed to add my phone number before activating the card and they need to verify my identity as the first step. To do so, I was asked to send my photo ID and proof of residence (any statement with my name and address) via email. I complied.

I've had a Capital One cc for about 10 years now. I haven't had a problem with them until I had to order a new card because I misplaced mine. I asked if I could get a card expedited because I was leaving for a trip soon. I could not get the card expedited because they can't ship to P.O. boxes and we do not have any on-street mailing. I agreed to have the card sent 4-6 business days since I couldn't get it expedited. Not only did I end up receiving the card 2 weeks later, I also called back asking if I could register the new card once I received it, however, they told me I couldn't use the new card because they cancelled it for some reason. SO now I am waiting for a new card AGAIN. Waiting for their so-called "4-6 Business days."

This is by far the worst credit company I’ve experienced in a life time. I had called to report my credit card lost and spoke with an agent on getting a new card shipped to my address, 2 weeks went by and did not receive my card. I called again and was advised they never shipped it out, while this was going on I unfortunately noticed my credit score had dropped tremendously due to the negligent behavior of this agent. They told me the card was going to be shipped once again. This is by far the worst credit union, won't recommend it, the agent on the phone was in a hurry to hang up the phone and very discourteous.

12 times tried username WITH customer service. Won't accept them. Insane! NEVER HAD SO MUCH TROUBLE STARTING ACCT, WHEN I TOLD THEM I WAS RECORDING THIS "Against company policy" and hung up. Then look at this website. Will return card.

I've been a customer for almost a decade. Have multiple credit cards for personal and for my small business. History of 100% on time payments across the board. Because of automatic payments I had setup on the wrong date 3 payments were returned so I made of for them manually. Because of those 3 returned payments that I made up for ALLL my accounts were closed and they will not reopen any of them. This has hurt me dramatically. They have ZERO loyalty to their clients. NONE. Ridiculous.

I signed up online for ACH to pay my statement balance. They failed this in May and I paid the full statement balance through alternate means. I called customer service and gave the account information verbally to the representative and he agreed to refund the late fee and interest. The subsequent statement did not include that payment so I paid the full amount over $10K just to be safe. In June, July, and August there was no money due as the overage covered the balance. In September the ACH from checking should have paid the balance but did not. Customer service again retracted interest and fees on September 22 and retook the account information. He offered to add a $400 ACH deduction from checking for proving functionality. Monday September 22, 2024 my card is frozen. Online purchases have failed. Now other payments such as streaming services have failed. I use this card frequently. No more.

Easily one of the top 10 customer service experiences I've ever had, top 5 within the last 10 yr. I was forced into a Capital One credit card through my charge account with Kohl's being partnered with them. I already had a prior issues with Kohl's that I was attempting to sort *before* CapitalOne officially took over their accounts, and was given a number to call once my bill reflected correct charges (After returns balanced out). I did so, and it transferred me to CapitalOne's "customer service". I had the misfortune of speaking with an extremely rude and snarky individual, even after explaining way a charge on my account was wrong, who then insisted we "go through the charges and deductions together".

My spouse and I have three Capital One credit cards and have had a capital one auto loan which has been paid off. Up until maybe a month ago I have never had a problem with the Capital one credit card app.... Now all I have are problems with the app. It's slow. It kicks me out of the app. It absolutely sucks, we have three credit cards with Capital one. No balance on any of them, since this has become an issue. We will just cancel all our business with Capital one, I am retired and just don't need the hassle and frustration...WOW.

If I could give them zero stars I would. I've had a Kohl's card for many years and a few months ago they switched my account to Capital One. Capital One took it upon themselves to do a hard hit against my credit score which made it drop 20 points! I never gave them permission to run my credit! Since then I've called Capital One and Kohl's and have got no response! Nobody can do a hard hit on your score without your permission! So now I will not use my Kohl's/Capital One card!

Capital One used to have the best service (besides Discover). Now they have become the worst in service. It just seems like they have become a huge company and lost the service part of it. If you feel like you need stress use Capital One.

I have been a customer for a few years now. I have had nothing but issues from the get go. If there are site issues, their tech support is poor, management has no override policies in place to ensure we have access to our money and a branch is 2 hours away, closed by the time I get there after work. Unhappy all around.

The Automated service in Capital One is ridiculous, calling. They do not understand you. The automated system do not understand you and does not accept. It is like pulling teeth or worse than me. Having a baby, I have been trying to get ahold of customer service for the last 2 hours and I cannot Get hold of customer service banking Capital One. It is ridiculous.

Avoid this bank at all costs. I regret opening anything with them and REFUSE to recommend them to anyone. I originally got my car loan with them (huge mistake) and the interest rate was in the high 20s- I asked to refinance after a year of making my payments 100% on time due to not being able to pay it down with how much interest they were charging, and they wouldn’t let me. So I refinanced with another company and am now at a 4% actually paying off my loan. Then I opened 2 credit cards with them (again, huge mistake) and they are awful to work with.

Very poor performances. They knew Capital One and Chase had been using my account and social security number abusively and I have written both Capital One, Chase, and Early Warning many times and they refused to update anything on fraudulent activity by card companies' investigations on fraud.

Hi, someone please check Capital One on their honesty, I booked a flight through them for 1087.1 and after 11 days I see price on their website 894$, I called because they have price drop protection and they told me price was not change since I booked for 10 days and it was exactly 1087.1, I never saw in my life that price for airline wasn’t changed, not even penny for straight 10 days and on the 11th in went down to $894.. Please advise me what to do in this situation? Airline tickets literally changing every hour.

I would not recommend this bank to anybody. I have a checking account and a Capital One credit card. This banking system always have issues with deposit and use of my credit card. I recently was offered a new cc from them and it turned out to be just another secured card making my own deposit, these type cards never increase your credit rating and they call them credit building cards. I chose to cancel the card and now they tell me I have to wait 3 billing cycles to get my own 500 dollars back from a card that was never even activated. Their representatives are not helpful at all barely speaking English. This is the worst banking system ever. I do not recommend using this bank for anything.

Beware of the interest charge they would apply to you if you accidentally missed one payment. I accidentally missed one payment to my credit card Savor One in August. It was roughly $870. The due date was on 8/9 and I paid in full on 8/13. Over the course of 5 days that incurred 57 dollars interest charge on an annual interest rate of 29.9%. I called them asking for a reason why the interest charge being that high but no one could answer my question. Without any clarification, I decided that okay I would just let it go and make sure that I don’t delay my payment next time. So I accepted the ridiculous amount of 57 dollars interest charge and took it as lesson learned. Then it was what happened in the next month that frustrated me so much that I decide to close my credit card account with Capital One. It turned out that there is something called residual interest charge in the following month credit card payment.

I had a 589 credit score. I don't have much credit, I pay for everything. I was told to get a credit card. I went online and got a credit card. I used the card in Sept for 195 my limit was 20, I did that to increase myscore. I paid it off and paid on time. My score droppd 62 points. That was opposite what I wanted. According to their policy it's based on dates and statements. I disagree with this and will be canceling tbe card. Just wanted people to know and understand what they are getting.

After being a credit card customer with Capital One for over 17 years, never missing a payment, and never having any issues, they closed my account, and only sent me a single notice via snail mail (even though my account is paperless!) - no email! I called up customer service and spoke with the most unhelpful rep, Kiani, that clearly did not want to be there, that informed me that there was no way they could reopen my account. I’m shocked at the terrible customer experience and am keeping my credit with Chase and Amex instead.

I have had an incredibly frustrating experience with Capital One. Despite being a responsible customer with all three of my credit cards—always paying well before the due date and never missing a payment—the company’s customer service has been disappointing. It is baffling to me that Capital One can send billing statements via email but cannot provide timely notifications about account closures or other critical information. The lack of communication and support from their representatives is unacceptable. Due to these issues, I am compelled to close my remaining accounts with Capital One, even though I anticipate a decrease in my credit score as a result. The hassle and poor service have made it clear that dealing with this company is not worth the trouble. I strongly advise against using Capital One.

Absolute disgrace. I have 3 business cds And other 3 cards with them. They lower the limit, just because you don't use it enough. 18k to 10k to 5k... My cr. sc. is 820 and I never had any boo-boos. My business counts on that eventuality to quickly use material money. Their email is communist reasoning: we did it for you, as you don't need it. I grew up in it. They are ** operated I'm sure. Spent 2 hrs calling just to politely ask for their strategy reason...All just stupid tools... I I'm taking my business elsewhere with my investments abroad and in USA construction Comp. They proved to be joke and mainly, they don't assume anything good about you. You are just a stupid dog waiting. I'm out.

I have to make this review. This is not the bank to work with at all. It is better to go to Community Bank or ask for money somewhere else. I have only 1000 dollars left to pay for my car now and Capital One is planning to repossessed my car after doing it the first time and I am need this car. They send me an email about payment plan and long-term payment but only to tell me to give them more money.

They are one of the worst banks to ever bank with! Their customer service isn’t any help because they don’t review any of the information you submit to them! So they let “system” do their reviews and it’s definitely one of the slowest systems. They put your checks on hold with no access to your funds.. They don’t even make a small deposit like most banks so you have some funds. Then the mangers also aren’t any help. Their best trait is tell their customers no. I Will be closing my account after they release my funds. Don’t bank with them for any reason!!!

To say they have Customer Service is a joke. When I tried to file a complaint with them, they had 1,001 excuses. When I disproved every excuse they came up with, they said there were other factors. This company is a joke. They aren’t helpful. They said I had a bad payment history even though my credit report shows ‘Excellent’ in that category. So disappointed. Wouldn’t recommend them to anyone.

Only do business with Capital One if it's your only option. I have had 2 auto loans and have 2 credit cards with them. The auto loans were OK but I was never late and paid them off early. The credit cards are horrible. Just found out that using a Capital One credit card with Venmo or PayPal is the same as a cash advance at an ATM. So they charge you a 10.00 cash advance fee plus a cash advance percentage fee of the total card balance every month there is a balance on the credit card. So you get charged interest twice. NEVER again for me.

They locked me out of my card so I can't use it. Asked me to verify identity which I did. They still won't allow me access to my card. I can't pay my due payment now which will affect my credit score and my home. I don't know how a credit card company is allowed to sabotage my life without any accountability. I filed to the CFB and they don't even answer. It's crazy how criminal this company is.

I have been pretty happy with this card until now. I accidentally made my statement payment twice. I realized the mistake when the overdrafts came rolling in from my bank account. I immediately called Capital One to request a refund of the extra payment. I was told that "unfortunately" they were unable to refund the money. (I don't believe it actually had anything to do with 'fortune'.)

A major business with this many issues is astounding. View virtual card - error try again later. Verify identity - error try again later. Help center menu - error try again later. It's embarrassing. Go to any other company.

If I could give them a minus score I would I think this has been the worst credit card experience I've ever encountered. They are an extremely greedy company they don't really care about their customers the way that they pretend to. The interest rate is always outrageous and I don't feel that's fair being that I've had the card for 10 years and my credit has gone significantly higher since When I first got the card.

Be aware of foreign transactions with Capital One! They lie about not charging for incoming wire transfers. We brought euros to dollars to capital one account and their exchange rate was 0.26 points lower than actual exchange for that entire week. They held and took from us 2.5% of what we wired from italy. It's a scam. Their manager had the audacity to call to say that capital one in new orleans determined the exchange rate. Euro to dollar was at 1.099-1.10 and capital one exchange was 1.071! Multiply that by thousand and see how much they kept!

The worst card company ever, I had a Hudson Bay card with them and when they ended the contract with The Bay they closed my account. I never received statements and never knew when a payment was due or how much I owed. Then every few months someone would called from random numbers around Ontario to tell me I missed a payment. Then they would report a missed payment on my credit. Very poor customer service. Be aware of this company.

I applied for this credit card because my dog needed a surgery. The website along with customer service made it known that their is a virtual card that you can use immediately for purchases. I went to the vet and gave them the card to use. It was declined. Called customer service which could not explain the problem and attempted to run the card 7 more times. Supervisor was no help at all. Blew me off. Tech department supervisor was last hope. They attempted to run the card several more time to the point it canceled all future purchases. My dog's life was on the line. I was stressed about the surgery and now have the problem that I thought was figured out a week before surgery. This was a life and death situation and they couldn't help. They blamed the system. Wouldn't recommend them to worst enemy. Then apply for other credit was difficult because the credit hit to credit report. Thank God care credit came through.

I filed a claim today because on August 5th a text was sent asking if a charge from Hertz my husband and he was said no. The response was that the card was canceled, and no more transactions would be processed. Then yesterday my account only had $900, and they let a fraudulent close to 4k charge go through taking my account negative almost three thousand. This was Capital One's fault because this charge should have never gone through. NEVER! I can never take my account more than $100 negative so why for the life of me would you allow a charge that took it almost 3k in the negative is beyond me. I am now late on my rent because your account executives messed up.

I bought a gift card online but found out it had zero balance. After contacting Capital One I received a refund. A month later Capital One took back the refunded amount claiming that the transaction was valid according to the merchant. I filed a second claim and they said the same thing to me. The customer service was awful with no regard for customers. Don’t even bother opening an account with them.

I have a Quicksilver card. The rewards are laughable at best. Terrible card to have. Even paying your balance in full you will be charged an interest charge. I do not recommend this card to anyone looking.

Terrible website. Horrible automated experience. Won't reverse charges. Customer service is consciously incompetent. They know their site and services are back, but wont budge- politely. Paying down balance and getting out of Capital One. I do hope you earn yourself a class action suit.

Absolutely awful. First they lowered my credit limit on Venture card because I was apparently not using it enough. So I closed the account. Then they offer me a Quicksilver card with no annual fee and $300 cash back. They kept sending me the offer so I stupidly applied (first cc application in over seven years). Guess what? They reject me with a credit score of 825! So they basically lowered my credit score once because I closed an account they had the audacity to lower my limit on, and then second time because they did a credit search and rejected me. I think it is discrimination and there should be a way to file a claim against this company. Their customer service is horrible. It is not US based and they are like robots when you finally get to speak to someone. Don't expect any help! Beware!

Do not apply for any Capital One Card EVER! They LIE ABOUT NO HARD INQUIRY TO SEE IF YOU PRE QUALIFY! My credit score is 820 and I Received the Savor Card that claimed if I spent $500 in the first 3 months I would receive a $200 Bonus! Not only did I Not Get The Bonus Capital One Put Two Hard Inquiries on my Credit Report! Capital One Sucks Big Time! Citi Bank, Wells Fargo, and Bank of America are the Way to Go for a $200 Bonus. CAPITAL ONE IS A SCAM.

I used to think Capital One was a great card until my first issue in December of last year when they allowed a bar to double charge me on New Year’s one with a signed receipt, one without and for the exact amount. I pleaded with them, but they didn’t care. Now I have been charged $200 in fees in which they are only trying to, part of their mistake for interest and not help with any of the other payment issues that were created. Definitely won’t be using my card much longer.

Applied and received a credit card from Capital One. Used it twice and paid it off. I attempted to use it a couple weeks later only to look like an idiot when it was declined. Called them and was informed it was marked for Fraud and wanted to verify my identity. I asked why I was never contacted and they advised that they don’t contact their customers. So I had to waste 3 hours of my time, money in gas and look like an idiot when it was declined, find this out and call them.

Card Holder since 2018, I built my credit up with them. After 6 years and my credit line going from $1500 limit to $7000 limit Capital One refused to lower my interest rate below 29.99%. Paid on time always $400-$1300 per month. I warned them after never being late and always paying far above the minimum payment for 6 years this was a fair request. They outright refused. I got card with Citbank at 19.9% with 12 months no interest on purchase and 18 months no interest on balance transfers. I balance transferred and ditched Capital One after 6 years. Do not show them any loyalty. As soon as your credit improve jump ship.

I used an ad through the Capital One shopping app that capital one sent me and it got flagged as potentially fraudulent and my card was deactivated. I had to send copies of my drivers license and wait 10 days for them to reactivate my card. In the meantime all my bills paid on auto pay were being denied because my card was deactivated. I incurred late fees and capital one reps could have cared less. They did nothing to expedite my card deactivation or compensate me for the loss in late fees. Terrible customer services and protocols.

On August 12 - I purchased a Cashier's check online to buy a horse for my daughter. I set the check up to be delivered directly to the people I am purchasing the horse from as they work from home and will be there to sign for the check. I missed the cut off for the check to be shipped Monday. Tuesday, August 13 I get an email with the tracking number and confirmation the check was mailed.

Their customer service really does not care. They're just so big they don't care about individuals. All customer care says they're sorry they can't help, send you somewhere else, and they're sorry they can't help. They're always sorry, but they don't help. Imagine that. And when they say they're a specialist, I don't know what their specialist is, because it's your ain't the complaint I was calling about.

I am a CEO and I chose Capital One as our card. I recently traveled w/ travel services and trip was a disaster. I requested a reinstatement of points for trip and the Customer Service supervisor said NO with zero accommodations. This is after countless hours calling the airline and Capital One. I will be moving my business to American Express.

They charged me interest even though I paid my balance due over a week before the interest charge. They want to rip off customers. Don't do business with them. They don't tell you that they delay charging interest until the current cycle completes.

Capital One did not stand behind me when I lost a $1000 deposit to a car dealer for a car I did not purchase. Capital one allowed the dealer to keep a $1000 deposit for a car I did not purchase because it was rusty. My card company did this to me. Never again god by capital one after 18 years.

I have had a Capital One credit card for over two years now. I have requested credit line increases multiple times and one gave me a credit line increase of $100 over a year ago after making more than my minimum payment, having a 700 credit score, no collections on my credit and never being late with my credit card payment. They still reject my credit line increase.. Customer service has been the poorest. I have multiple other credit cards and they are constantly giving me credit line increases. I do not recommend getting any Capital One credit card because it’s been nothing but problems for myself.

Go somewhere else...don't fall for their bogus Bonus offer...it will only ruin your credit score. They advertise the Bonus but then after you apply and got approved, they don't honor it because their underwriting department don't rely on their own App's credit score to determine if your credit score meets their fine-print requirements. Total Bait and Switch.

I am happy with my card except when I ordered something, I didn’t receive it, I filed my claim, and Capital One still charged me for the product I never got. Now I have another charge that I will not try to recoup because I don’t have faith in the company.

A few months ago, I saw an ad for Quicksilver from Capital One: "Earn unlimited 1.5% cash back on every purchase, every day. Plus, a $200 Cash bonus." I applied for this credit card, and it was approved. When I received the card, I called the 800 number listed and spoke to one of their representatives about the cash bonus offer. He confirmed this to me, so I started using the credit card. In July, I called to check my balances and the benefits of this credit card; I was told that the cash-back offer was no longer applicable to my credit card. The representative I spoke to was very friendly and assured me she would pass this on to her team leader for review. In late July week, I received a response stating the offer was unavailable. So, I called again to speak to a supervisor, and she mentioned that this credit card offer was based on the applicant's credit score. 

In the 3 months that I was a Capital One account holder I was required to verify my identity 3 times. All of my activity was scrutinized and accounts were locked if they had any questions. I’ve since closed my credit card, checking and saving with them. DO NOT use this bank. It’s more trouble than it is worth.

I had a terrible experience with Capital One. After submitting all required documents for a business credit card, they closed all my accounts, including long-standing personal ones. Their practices are questionable, and many others report similar issues. I advise against applying for Capital One cards.

I paid my credit card balance at Walmart but the person at Walmart credited the wrong account. I found this out on the following month's statement showing it was not paid and looked on the receipt and saw it went to the wrong account. I called CO and they said to go to WM and see what happened. CO had my account locked so they couldn't look into it. After numerous calls to CO, they then turn me over to collections as I was trying to get my account straightened out. CO customer service was very rude and basically didn't want to look into the issue. Now my credit score dropped 140 points. After writing CO, I was told there is nothing they can do. I would not ever recommend CO. I would like to note that I have never missed a payment in my life.

I have Capital One for over 15 years. I had some scams in previous years and it was so easy to dispute and find help. However, I had a charge for $350 to dispute this year and they told me I have to contact the airline myself, I tried several times and informed capital one, they told me no problem I can continue trying for 6 months. After a long wait they finally submitted my dispute and told me I was going to receive an additional form to fill it out. I never received it. We found it online, filled, and submitted and the supervisor just told me sorry I just have 2 months to do the process, that's it. They stole $300 from me. I can believe it.

The rates on my cards are 36%, but the worst thing about them in their customer service. I lost my card and they told me it would take better between 4-6 business days to get my card in the mail. Here it is 8 business days after they said they sent it and still no card. Of course they can’t track it.

We had our Ukrainian relatives fleeing in 2022. Rented a hotel in Hungary which did not honor the reservation. Capital One supplied zero help and allowed them to keep the money. Though technically correct, I'm 5 days too late in cancelling the card and they wouldn't refund the yearly fee.

I’m done with Capital One. Your manager “Ray” ID#** was completely unhelpful and very rude. Capital one took $1700 from my credit card from my bank and then told me there is no way to get it back. I’ve been with capital one almost 20 years. Highly recommend any other credit card company. If this guy is the manager that company won’t be around much longer. How many people can you steal from and continue to stay in business? I hope no one else has had to deal with terrible human being.

I HATE THE WEBSITE!!!! CapitalOne has absolutely the WORST, MOST AGGRAVATING website! Trying to something as simple as a search by date range NEVER WORKS. It is as if CapitalOne wants to purposely keep records unavailable so the company doesn't have to store so many records. Every time I try to log on I tell myself that I am going to search for a new credit card. I really am this time. I can't wait to cancel.

I paid my bill, they put a hold on my card for suspicious transactions just because I paid my bill back to back, smh. I feel like this company discriminated against me cause I’m **. I sent them my bank statements showing I paid my bill. Patelco is my bank, it was hacked, the whole world knows this. But Capital One was in aware of this situation. I still can’t use my card, seems like nobody who works here is from America. They telling me this is not my account and I showed them my statements, they say it’s not enough. Make it make sense. I feel discriminated on.

They will not support you in a fraud case. I submitted all required documents and they sided with the fraudulent company. If your card gets hacked you will lose all that money. I am out $500.00 and lost time pursuing this claim.

I have been using Capital One quicksilver for a couple of years now. I use it only occasionally and always pay the full balance on time. I recently used it, once. Now I have a notice that my score dropped a point; because I USED it. Says my usage went from 0 to 4% and calls it a debt. The bill is not even due yet. The frequency of using the card has not changed. Use it and drop my score. This is absurd.

Capital One has very horrible customer service. The people that pick up the phone never understand issues. They escalate matters for supervisors. The worst part of their service is they will not help you if need help with B2B issues like disputes. Our business cards were compromised no less than 6 times over the 8 years of using this nonsense bank.

I booked a trip with travel by Jen to Costa Rica. When I reviewed the itinerary they had switch two of the three hotels to lesser ones. I immediately called COne to dispute the three charges. The agent fee, the hotel fee, and the airfare for TACA Air. The next day we worked with Jen and agreed on the three hotels. I called Cone and cancelled the dispute and was told the dispute hadn’t gone through. Three months later when we go to the airport we are told that WE cancelled the flight!!! And it would cost $1,400+ more to get on the flight for our vacation. Having no choice we paid it. When we got back I filed a dispute on the 1,400+ charge figuring that I would have to pay the original $580 airfare and get the 1,400 back. After several back and forths with Cone I asked to speak to a manager because the people you file a dispute with cannot do anything and they just bog you down asking for paperwork which has nothing to do with the dispute.

Capital One has a promotion at the moment. Refer your friends to receive $100 per friend who gets approved. I have a checking account and 3 different credit cards. My point is Capital One will put the $100 where ever they see fit! It my friend I should be able to choose where I want my $100 in which account. They put it towards one of my credit cards. I would have rather had it put in my checking account. DO NOT REFER any of your friends, if you still want them as friends!

If I could give them negative stars I would! If you’re a veteran I highly advise you to look elsewhere!!! Go to Navy Federal or USAA and don’t look back!!! I have recorded calls asking them if they accept certain forms of payment because the language in the credit card contract was ambiguous. They assured me it was ok to try to use the form of payment that I asked them about and when I did it they restricted my account and cut off my cards without even warning or calling me and right when I needed them most. They even rejected me after I called promptly to rectify the problem. Luckily I have American Express or my car repairs would have come straight out of my own pocket.

CAPITAL ONE HAS CAFES! Not only do you get the Perks of a 30% interest rate -- you get half-off all summer long on coffee and other cafe drinks! I suppose all of this makes up for a certain amount of ineptitude on the part of the Capital One Ambassadors (who are not really Bankers and cannot effectively answer Bank and Credit inquiries.) I simply wish that I had never opened up a Capital One account. And I would not recommend getting this credit card to anyone. Lesson learned: Look at your Credit Union options before getting a Capital One Credit Card....And they can keep their free book markers and beach towels!

I want to caution potential customers about Capital One's deceptive payment processing practices, which are designed to exploit unsuspecting consumers. They encourage users to input their personal debit card details, including account and routing numbers, leading them to believe this is the recommended payment method. However, what they don't disclose is that payments made in this manner can take an astonishing 3-4 business days to process.

I have multiple cards. Great payment history. Over 800 fico score and Capital One is my only card that doesn't do periodic reviews as often as my other cards to increase my credit limit without me requesting. I wouldn't recommend applying with them. Discover and Wells and American Express are better options and they increase your credit limit without asking.

So far the worst experience I ever had with a credit card. Had so many inconveniences with them and cancel my credit card because of that. No matter how good your credit is. If you were approved for a certain amount you will stay with that amount forever. Worst customer service. They don’t know what they’re doing. Horrible.

Customer Service is non-existent:

In May 2024, I booked a rental car via my Capital One Credit Card/Capital One Travel. This was my first time booking a car with them. Unlike other rental car companies that don't require credit card information or upfront payment, Capital One required me to pay for the reservation upfront with my Capital One credit card. The price shown was identical to Booking.com ($349.02), so I decided to go with Capital One because the Capital One credit card would provide collision insurance coverage.

I do not recommend getting a credit card through Capital One. I had the same experience as another reviewer where a retailer committed fraud on my account and instead of working with me as the paying customer they took the retailer side. 1. You have call them to first report the fraud. There’s no way to automatically do it on the app. 2. When you do call you have to wait at least 10 mins to get in touch with someone and when you do they have a thick accent so they are hard to understand. 3. It basically takes 30 mins just to report a claim but they never ask you for any evidence of the fraud. They just say they’ll investigate which again is taking their side. 4. When you do get to submit evidence they just ignore it and say it isn’t sufficient enough even if you have emails showing the fraud was committed.

It’s happened to other people I know

I have been with Capital One 360 for over 20 years and I used a debit card that was given to me from AT&T to pay my cards and Capital One 360 put a restriction on all my credit cards a month later with no notice, did not give me a warning saying I need to have proof it’s not fraud. I provided all my paper work from AT&T and still won’t lift the restriction. I am so upset with this bank. My sons and I have been with Capital One 360 when they were INGDIRECT. I am so disappointed I am paying off all my credit cards and closing all my kids' account. After almost 20 years I am finish with this bank. I have always been a loyal customer with Capital One 360. I am leaving them and going to Truist Bank.

Been with Capital One for years and don’t understand why they change things constantly. Can pay with debit card, can’t pay with debit card. Can pay with debit card, can’t pay with debit card. MAKE UP YOUR MIND! Then you call and they act like paying with debit was never a thing, REALLY!!! Customer service sucks. It’s nice to pay with debit because it goes through automatically, but no, have to change it to only a bank and then wait for my money to be transferred. Complete ripoff. I wish I could close my account and go elsewhere, but closing an account looks bad on your credit as well. Very disappointed.

This bank is a total SCAM!!! They charge you a monthly fee even though they claimed that there is no annual or monthly fees upon opening the account, which is not true. They’ve been charging my account every single month since. Also, there were different charges from the bank’s security adjustment for no reason. After being on the phone with different unprofessional representatives who would also just hang up on you if they don’t like that you are requesting your money back. Finally, I got to the manager and he confirmed that the transaction was wrong and they will refund it back within 5-7 business days. And it happened to me several times. Total scammers. I just closed my account. Stay away and keep your funds safe.

Capital One offers features like changing your statement date and vendors % off on items purchased. Yet to date I have NEVER RECEIVED ANY STATEMENT CHANGE DATES EVEN THOUGH I'VE REQUEST IT CONTINUALLY OVER THE PAST YEAR, Also when I've used a credit for purchasing from a vendor on their site the credit ALWAYS COMES to a random card that I NEVER USED ON THAT VENDOR. I question how the heck they can be so randy about offers and then either NEVER DO THEM, or be non-specific about which card they give the credit to!

Capital One is a piece of work. The fees they charge is ridiculous. Once I get my bill paid off I’m done. I thought I was caught up. Now they say I’m late with a payment. I am not late with a payment it’s the late fee. And if I don’t pay it they gonna charge me again. The person I spoke with kept saying the same thing over and over. Not listening to the questions I’m asking her. I made two payments to get caught up month of June and they still charging me late fees. People stay away from Capital One! And train your staff to be more sympathetic

This company encourages "FRAUD, WASTE AND ABUSE." They allow companies to steal and make fraudulent charges then you have to call someone overseas that couldn't care less about your financial well-being. I have to file a civil suit against them and the company. DO NOT WASTE YOUR NERVES ON THIS HORRIBLE GARBAGE COMPANY.

After more than 30 years with Capital One, I am looking for a new credit card company. My card was changed last week from a Visa to a Master Charge as it was expiring. Yesterday I tried to return an item to a national brand store in the mall, and they could not do it because the original sale was on a visa, the return was on a Mastercard Capital One.

I have been a loyal customer for over 11 years. I have excellent payment history with this bank. I have 3 cards with this bank that I am closing due to principle. I made my payments on the due date at one of 2 banks that they have open in Houston at the Woodlands ATM. Not only did my overpayment of 150 was not appropriately applied I was hit with a late payment charge of 40.00 principal. Poor customer service and awful bank.

BEWARE OF TOTAL CAPITAL ONE SCAM! Capital One are one of the worst credit cards on the market. We had many different credit cards and in terms of interest rates, customer service, and general experience on scale 1-10 I would give Capital One literally score of 0. Don't fall for double points, no annual fee, cash back, these are all designed to trap you in the infinite debt. We closed our Capital One card, because they were charging literally the highest interest rate out of all cards we had, including American Express. Another reason I would not recommend this CAPITAL ONE GARBAGE CREDIT CARD is because when submit request for 5 years of not receiving any offers, Capital One completely ignoring it and keep on sending their STUPID offers. STAY AWAY FROM CAPITAL ONE! YOU'LL THANK ME LATER!

Capital One is very unorganized. I was told that I would be receiving something on Wednesday. After waiting the 72 hours and Wednesday came. It wasn’t here. Called and they said, "Oh it wasn’t submitted until two days later on Tuesday." Called on Thursday because I was told the letter would be here Late Wednesday night. Early Thursday morning still not here being told now it will be here on Friday. They really need to get their act together. Their interest rates are outrageous and does not an overall good company.

Updated on 07/03/2024: Nearly a month ago I closed a credit card account with Capital One. Concomitantly, I submitted on this site a suitably critical review. Within the same period I closed said account by phone, a Capital One representative said it's take "2-3 days" to process the refund of $22.85 owed to me, then a check for that amount would soon be posted to me. However, today, July 2, 2024, I received paperwork from Capital One simply acknowledging the credit, but no accompanying check. So I just phoned this outfit again. Initially, as part of an automated system response, stated was that it's take "60-90 days" to mail said refund. Consequently, next, I requested to speak to someone. The representative stated that my request for a check would 'now' be processed and to expect receipt of the refund "within 10 days." The SAME assurance given almost one month beforehand.

I went to a dealership to trade off my 2017 Nissan Altima. My car is fully paid off 4 years ago. Why do I still owe so much interest on the car. Sat there with the advisor trying to figure out how Capital One came up with their numbers. Called Capital their explanation was weak. Looking for a actual branch to go into. Until then I will keep paying on the interest. Rip-offs.

I have had the Capital One Savor card for many years with a 30k limit. My credit score fluctuates between 830-850 (perfect). Recently, I was a victim of bank fraud, and as a precaution, I called Capital One to reduce my card limit from 30k to 4k. After 2 months, I called Capital One to bring my limit back to 30k, but they refused, saying my limit had been dropped to 4k. I can't make customer service understand that I am the one who voluntarily reduced it. Well, it has been 4 months and many calls with no success in increasing my credit limit.

Capital One froze my parents' accounts due to suspicion of fraud when I took over for their finances upon their concomitant medical emergencies. Despite providing POA, parents' socials and my father's ID, they have yet to unblock their accounts. They had the audacity to reprimand my father over the phone while he was in rehab recovering from a stroke for giving me account access. They also forced him to go into a Capital One on his walker the day after rehab to unfreeze his accounts. They are still frozen. Now it's an issue with my mother's account. She is bedridden and would need medical transport to go to their bank in person. All in all, this has been a horrible experience. They do not treat their customers with respect. No sympathy from the fraud team. I am now having to pay all their monthly bills and home services from my personal accounts. My attorney will be contacting them.

Even if you CLOSE & PAY OFF the ENTIRE BILL EARLY - CAPITAL ONE WILL STILL CHARGE YOU ADDITONAL INTEREST. The Representative will also threaten you with more fees if you dispute this extra interest fee.

Good when all goes well. Unauthorized charges were made by unknown person(s) and they state we are responsible. We did not make them, unprofessional Fraud Dept fighting with customers. We gave them The police department info and is still being investigated. It’s considered a crime and they are fighting with us saying we are responsible.

I am extremely disappointed with Capital One. The fees they charge are excessive and unreasonable, making it clear that they prioritize profit over customer satisfaction. To make matters worse, their customer service is virtually non-existent. Trying to get in touch with a representative is a nightmare, and when you finally do, the support is unhelpful and dismissive. I expected much better from a reputable financial institution, but Capital One has failed miserably in providing even the most basic level of service. I will be taking my business elsewhere and strongly advise others to do the same.

At one time I had high hopes with my relationship with Capital One. Last year before my father past. I was his caregiver for two years. I worked in caring for him around the clock. I made one mistake, keep in mind, I took ownership of it. I contacted customer service and got the most racist person on the phone that I ever encountered. We got on the phone with my bank to verified my next deposit.

I would not recommend anyone obtain a credit card from Capital One. I was scammed by an online retailer and Capital One is working harder for them than they are for me. Their idea of fraud investigation consists of forcing the customer to jump through hoops to prove a company is fraudulent rather than do any investigation themselves. They are in business with thieves to steal their customer's money.

This bank will close your account whenever they want without further notice based on their "credit expectations." I currently have several cards with different banking institutions including American Express and this has never happened to me before. They never called me to inform me what they were doing. When trying to get an explanation after I found out they had closed my account, they said they have the right to close an account if *their reviewing team considers it appropriate.* Never have I encountered anything like this with any banking institution, these people are very shady.

Capital one is the absolute WORST credit company. Their service is simply horrible all across the board. I have 8 cards (Amex, Chase, Capital One, etc). I decided to close one of my 2 capital one cards after deciding to end my relationship with them after continuous horrible experiences with their services. The card had a - balance of $1300 because I always pay my cards of immediately and often over pay them to keep my balances low. After closing the card I noticed capital one blocked my access to the account showing a nice “this account has been terminated” warning in the app XD and after a month I realized they never send me the back the funds they owed me or added it on my other account with them.

Terrible card/company!! A total rip off. How is this legal? This company is charging excessive fees on a low limit card. Worst mistake ever getting this card. I would NOT recommend Capital One to anyone!

WARNING FOR ALL SMALL BUSINESS OWNERS- DO NOT USE CAPITAL ONE FOR YOUR BUSINESS BANKING! You cannot count on them. Capital One hates single working mom entrepreneurs! Or at least the way they act harms us. I am a realtor in the Chicago area and have a Capital One business checking account. They are closed it without telling me why- because according to them, they don't have to. If there is anything they find out of compliance, I would be happy to provide them documentation, but they won't let me do that. Capital One has decided that my account isn't compliant and closed it WITHOUT notice! I will get the funds mailed to me in 30 days. I wonder how they would operate without any business funds for 30 days!

These people are absolutely horrible. I paid thousands off my card and the payment processed and was posted 4 DAYS before my Statement closing date and they still charged me interest on the amount prior to my payment! I called and was told lies as to why they did that, spoke with a "supervisor" who even agreed that shouldn't have been done and she said she'd call me back the next day. Never happened. Called and spoke with another supervisor and he was extremely rude and literally hung up on me. Stay away from these unprofessional people! Use Citi, I've never had anything but good experiences with their credit cards!

Capital One is extremely greedy. They charge a super high interest rate. I am trying to pay off my balance and I pay more than the minimum each month, but the interest rate adds $138.00 my credit line is $6,500 and I owe 5,200. I can't pay it off with such high interest from 27 to 38 apr.

I am a long time good standing Capital One customer with 3 cards. I thought they were great until I paid off one of my cards.. I got a bill for $4.21. I called them. They said it was interest on the balance I paid off and I should have called to get a the real balance before pay. I was outraged. It's not the amount. It's the idea that I'm charged on a balance I don't even have. I asked to speak to a supervisor. They refused to refund the charge for a long time on-time customer, with great credit and with 2 other cards. I will will be paying off all my cards and giving someone else my money from now on.

I would give it a zero if I could. DO NOT do business with this bank. Especially for a credit card. They will close your account and claim you did not provide income or employment verification even after you have on their website. When they close your account and you ask them when the last update was made to the information they requested they cannot tell you because they do not track it. They will then refuse to reopen the account and will report it negatively on your credit report. This is the most dishonest, worthless customer service bank I’ve ever dealt with.

If you want to save yourself aggravation DO NOT do business with Capital One. I won't be ever again. The customer service is awful, In previous conversations they would not put a supervisor or manager on the phone. It was a complete run around. When I finally got one (who knows if it was even a real supervisor or manager) on the phone the connection was so bad it was ridiculous. I mean it's very clear Capital One does not care about their customers with such poor customer service. I'm so relieved my bill is paid off and account cancelled, I couldn't do it fast enough to get them out of my hair.

The card is a rip off. I got it to help my credit but it charges you for the dumbest stuff. I paid my car note with the card and they charged me $15 and some change as a cash advance payment that doesn’t make any sense and will not give me my money back. Pay my car payment with the card is not a cash advance, I don’t even have a pin number for the card. That’s why I have the bank account in the cards with them but my money is elsewhere. I’ve been a long-term customer of Capital One since 2014 and that is ridiculous. $15 to use your card to pay your car payment, that’s ridiculous. Well, it won’t happen again.

This "credit" card should be illegal. Their tactics are vile. They will hound you will emails, calls, and text messages until you cave. Then the payments will be endless, because no matter how much you pay, you will never get ahead! I went from a 715 credit score to 515 after opening this SCAM of a card. I made on time, over minimum amount payments and my score decreased. I want to pay it off and close the card, but actually speaking to a human is impossible! DO NOT get this card! Go through your bank. T

Terrible customer service. I tried to dispute a charge for a service that had been canceled. They paid the vendor anyway. I would give a 0 if possible. Don't use their cards. They don't care about their customers.

Capital one straight up STOLE the $250 promotional offer that it “gave” to me for opening a Credit Card with them after 4+ years I had my truck loan with them, I FINALLY opened a CC with them after receiving offers for one over those 4+ years. I paid my USED vehicle with them (that was offered through the dealership at the time) and when I actually needed another CC and they had the $250 promotional offer, I applied and opened the CC account. I had almost perfect credit with them and had almost no debt. They required to spend “X” amount in 6 months time to get the $250 promotional offer. I needed building materials for a large job and I only spent about $1,200 for everything I needed which was about double their required amount for the offer. Note I still had about $6,000 left to use on this card after the $1,200 purchase!! The next time I tried to use my CC less the. 10 minutes away from my home they had locked my account!!

I had this card for 18 years and had to close it. Customer service is horrible and when the card was paid in full they attempted to charge interest on it so now there is interest on the interest when that bill is paid to? I will never do business with Capital one again. Horrible company!

Just be careful, I find this credit card company to be very deceptive. They're charging a membership fee when the contract said zero fees. I called customer service and they were of no help. The fee is not my problem, as I can get it back and more with cash back, but it's the deception from Capital One that bothers me.

Would give lower if possible. Poorest customer service we have ever had. Overdue charges on account already paid. Late charges payment on an account with over $100 balance. Extremely rude response… locked account, threats, you name it… and today a check for $50+ overpayment. Never in a million years would I recommend this card. Poorest service I have had with any card.

Have had a business card with Capital One for over 20 years. Plenty of nonsense over the years, but not too much more than you get with any of the other sleazy credit card companies. And then while I'm out of the country, they mailed a snail-mail letter to my mailbox saying that if I didn't provide them with my company's EIN within a week, they're going to suspend my account, and close it a few weeks after that. No notice online, no text message, no email, no account document, no account request, no push notification in the app... nothing.

If I could give it a ZERO I would. They reported me LATE for two years while doing a debt financial aid program. Ruined my credit although I was paying ON TIME! The. I called directly to dispute them and they told me I have to write a letter to dispute. I asked the representative on the phone what to include in the letter and she said she will mail me what to Include instead of simply emailing it! Then she says they have no way to email the simple instructions to me. I am disgusted! Worst company ever

Capital One capitalized on people that are struggling with their finances. The high interest rates Capital One charges compares to the bill itself. I feel like I’m being double charged. With all the fees my daughter car loan is now much more than what we started. I would never recommend this company. They charged us $267 to move the due date. Jobs change and so does payday. Why charge for moving the date. Also, late fee $65.

Capital One Reps/Managers. JC- **, spoke to on 03/16/24, very polite very empathetic but did the best she could) had to escalate to escalate to supervisor Mary- **, who also did a great job with helping me follow the process on the things I need to send in and set proper expectations. 03/26/24 Ivy (lied on call to tell me what wasn't there when evidence was provided and she looked at nothing), then when escalated to Manager Sam (was very argumentative on call, did not look at anything before giving me proper evaluation and gave me no options to address concern) (Before 10am).

When I found out a guarantee dispute charged back to my credit card, due to I didn't check my account on line documents click to find out the form I need to submit. Which there's no any notice to my email or call or text. There's $0 fraud liability is not real for their more than 30 years customer. There's no protection to their card user. There's no protection to alert if it is SCAM company. There's no justice and no judgement.

This is the worst credit card you can get. I mean, it is great when you are going through a hard time and they give you a chance. But I haven't used this card in years. And they still charge me $8.34 consistently, every month. ($100+ per year) No balance on this damn card in 5ish years but still pay an annual fee. And let's not talk about how difficult they make it for you to cancel the darn thing. Biggest regret credit card of my life. Just don't do it. Plus, no one seems to care that my card has been expired for 3 years. Not that I would have used it, but you would think SOMEONE would notice and send me a legit card. Horrible company.

Account was closed for returned payments however my bank has verified that I had sufficient funds to cover each payment. The bank provided information to me to submit however Capital One said I was not eligible to have my account reopened. I have never missed a payment and had never had a balance not paid in full. I paid off the entire balance 100% of the time within 3 days of using the card for any payment.

I urge caution to any prospective Capital One customers, especially those looking to manage both personal and business accounts. My recent experience has been nothing short of a bureaucratic nightmare, marred by poor communication and unnecessary delays. After smoothly opening personal checking and savings accounts, I proceeded to establish my business accounts with the same institution. The process should have been straightforward; however, it turned into a prolonged ordeal when I applied for a business credit card. Despite providing all required documentation—multiple times and in various formats including in-person submissions confirmed as satisfactory—Capital One's internal processes faltered.

I have had their credit card and bank accounts for years. No more, after what they did to me starting in 2019. Clever TV advertising and initially they were very good, but then they gave a duplicate credit card to a hacker WHILE I was charging every day in Germany on a long vacation (and he charged $16k...). Their Zelle is atrocious and when I tried to transfer $ to my sister it kept saying the transfer was fraudulent, even though I had 9x the amount in my bank account. The agents over 2 days (because I retried it numerous times, given the vague message "try later") said that they don't tell customers the principal about when they can retry/resend, even if in the daily limit, because it is too risky!!! Finally, I have had enough and am moving banks & only using my other credit cards (and Venture never did give Trip Cancellation, which my Sapphire card does).

Terrible. Closed my accounts. Both were in good standing. 20% below usage. Talking about not complying with credit card. It really affected my credit score. This is the worst credit card company I ever dealt with. If you're really serious about your credit score this company not recommended to anyone.

I signed up for automatic payment from my checking account but unfortunately it didn't work. I followed up the day after it was due with a phone call. Customer service said it shows automatic payment was set up. Unfortunately they still charged me late fees. About 7 months later I disputed a charge because I was charged twice at a restaurant. I answered all of their questions regarding the charge. Unfortunately they decided my dispute without contacting the merchant. I have now closed my account and will never use Capital One again.

Capital One is crooked institution who will rip you off if given the chance. I paid them thousands over a period of time prior to paying off the card in full. A year later they acted as though I never paid them even after providing receipts proving I had.

So If you give Capital One a 1 star review they won't allow you to make a post but if you give them a 5 star they allow it. This credit card is a joke. Steer clear of this company. Go to a reputable bank.

I recently applied for this credit card with high hopes for making significant purchases, considering its advertised benefits. However, despite boasting a stellar credit score and minimal inquiries, my application was summarily rejected. The reason? Apparently, having just two cards in the past 24 months, one of which was at the 23-month mark, was deemed excessive by the company's standards. When I contacted their customer service in hopes of reconsideration, I was met with indifference and told there was no policy for such cases. Though offered a chance for a reprocess, it seemed futile given the stringent acceptance criteria. My advice to anyone considering this card: proceed with caution and thorough research. Numerous individuals with impeccable credit histories, myself included, have faced unwarranted denials, highlighting a glaring flaw in the company's evaluation process.

The worst customer service I have ever experienced. I've been trying to payoff the credit card debt I owe them but they won't accept any type of payment with a debit card. They want my bank account information for a 1 time payment. I also tried to get help with updating my phone number through the app so I can login to my account but I couldn't. They just kept transferring me to other people who kept trying the same verification methods that wouldn't process for whatever reason. They basically said just keep trying same methods that don't work because there are no other options. I am still locked out of my account and unable to pay the one time payment to settle. I will never do business with Capital One ever again. Horrible company. Stay away!

I’ve been a credit and bank customer of Capital One for years and have had mostly good experiences but this latest one is very disappointing. While trying to order a new card on the app I accidentally deactivated my card. I called customer service immediately, spent 10 min going through their voice response system and finally got to a rep who said they couldn’t void or reverse the deactivation. She refused to transfer me to anyone else or give me another phone number or email to contact a manager. SOMEONE has to be able to reverse a deactivation. Now I have to spend my evening updating dozens of apps and auto-pays. Super frustrating.

I filed a dispute case with Capital One over service that was not accurately represented or received. I sent over all relevant documents they requested spending time to put together photos and a clear description of why I am filing a dispute. Capital One immediately closed the dispute case saying I did not send over the documents they requested which is not true. They had no intention of reviewing the dispute at all and immediately sided with the merchant. I will not be paying for the amount disputed.

I have used Capital One's checking and high-yield savings accounts for years as well as their SavorOne credit card for the past year or so. I have nothing but excellent experiences with Capital One. They have responded promptly and corrected fraudulent activity on my debit card and waived a late fee I incurred on my credit card when I was 7 minutes late to pay Lol. Originally, I chose SavorOne, not because it was Capital One, but because the rewards are pretty great for me (specifically the 3% cashback all the time in grocery stores and dining out), and no annual fee. I might sound like a salesperson, but I truly have yet to experience anything less than the best from Capital One.

Worst service ever, they don’t even know what they’re doing besides making you go broke. DO NOT TRUST! They take your money out of your bank account, then put a hold on payment not letting you use your credit card, this is a joke!!!

Because I paid off my Capital One credit cards (2) too quickly, Capital One assumed I am committing fraud. Called to find out what the issue was, said that, because I was making payments too frequently, they needed to verify I was the holder of the bank account paying off the credit cards *to prevent fraud* (I would be the only one who possibly be committing fraud).

Worst bank ever. I had 3 credit cards with Capital One and they only gave me a $300 credit line for each card and never increased my credit lines in 2 years (even with 100% of payments made on time). Also, Capital One decided to close all of my credit cards for no reason at all. Their remark on my credit report was that my account was considered "a risk", which makes no sense because I never missed a payment during the time my cards were open. Don't waste your time with them. They will damage your credit report without hesitation!

I just wasted an hour of my time with Capital One's so-called customer service who are trying to steal from me. Both the rep I dealt with, Glenn, and then the senior manager, Jazmin, could not or would not solve the issue. Basically in 2022 and 2023, I cashed in a bunch of my rewards points for eight Shutterfly $100 gift cards. The first two cards worked fine and I redeemed them over time on Shutterfly, but the remaining six cards it turns out were never activated by Capital One, so I could not use them. I called Capital One to request that they activate the cards (BTW they do not expire) and for five of the cards they elevated the issue to another department and supposedly I will hear back in the next couple of weeks about getting new cards.

I have very good credit. I have never been late. I have a quicksilver account $1000. I have ask for a credit line increase 2 times in the last year. Both times denied. They do not appreciate good payments and credit.

I carried a Capital One card for two years. They refused to ever increase my credit limit. I recieved correspondence from Capital offering a higher credit card. Said "We see you preapproved for a higher limit card." So I applied, got a $500 card, and a hard inquiry. $400 less than my existing card. They lied blatantly promising a better card with a higher limit. I canceled both cards and will never do business with this scammer again.

Capital One sends you these pre approval & says that they can give you up to a certain limit, but when you apply they turn you down & your credit has another dent in for an inquiry. Stop sending me these lies you call approval odds. If I could give -5 stars I would. Thanks again for the dent in my credit rating NOT

Capital One is charging me late fees and giving me a negative credit score for paying early. If my credit is going to be ruined for paying early, then I might as well not pay at all. They are the only credit card besides varietal one Credit One! The card was cut. They're next! I’m done being robbed for doing the right thing!!!

Capital One is the worst bank in the world. They love to put you on hold and just take whatever they can take from off your account. They don’t even know what they are doing. Do not get this bank, have been calling multiple times and they keep transferring to new person. This is not what they supposed to do for consumers, no wonder it's so hard to get them as calling them because they don’t want us to find out what they are doing. If you wait something for a long time it always delay on it.

Just absolutely horrible service. No one speaking English, of course. I have had great experiences with Capital One, but not Cap One Walmart card. I wanted to pay the Cap One Walmart card off in total, and close it! The CSR said I would have to wait until next bill cycle statement? Don’t they have that on their computer? Then wanted to know a date to pay it off. Hello. I am calling today to pay the card off and close it. Just horrible. Okay so I’ll wait until my statement comes in the mail this week, to call them back to pay it off and cancel? What a joke. With the reviews I’ve been reading, no I wouldn’t recommend Capital One

I have had a Capital One 360 checking account since they became an online bank. They have the best customer service and they are quick to make things right for their customers. Don’t change how you do things Capital One. I would definitely recommend them.

I agree with a few other people in that if there was a no star function I would’ve broken my finger pressing it. This is the worst credit card company I’ve ever had to deal with. The staff is unhelpful and the fact you have to pay by a specific time even if it’s on the same day is ridiculous.

This is the second time this credit card has rejected purchase while travelling abroad. They've just refused my KLM ticket purchase for no apparent reason! So pissed! Useless piece of junk yet they brag of how international they've become!

I called to get a payoff quote and told the representative that I wanted the account closed because the promotional period ran out and the APR is 30% on purchases which is absolutely horrendous! I received the payoff and made the payment in full by the due date and this company proceeds to send another bill in the mail for accrued interest during the time that I received a statement and called for payoff. I'm furious because the representative should have known the accrued interest and should have given me the payoff in full. How hard is that to figure out??

I had asked them to cancel my credit card and ship me a new one... I told the first lady on the phone that I was leaving the US within the next 3 days so if she was going to ship it within the US it had to get to me within that time period.. What did she do? Put regular shipping and the card never got to me!! (just adding that I asked the same from my Discover card and they had it there for me THE NEXT DAY)

If there was a zero star, that's what I would have given this useless bank. I have been locked out of my account for almost a month now because of a simple process. I am behind on so many bills as a result and have had to pay a lot of money in late payment. How ridiculous that it takes this bank a month and counting to replace my tax ID with a social security number. I have spent several hours on the phone with at least 40 different representatives and nobody has been able to resolve this. They are very inefficient and I will make sure I never do business with them ever again. This is shameful and horrible!!! Sit up Capital One.

I had an issue involving "fraud" which was legitimately my mistake. I called the bank to notify and it's been a nightmare ever since. They closed my account, declined to properly identify the legitimate bank statement I supplied and continued to charge my interest and late fees after I paid off the balance. Every attempt to rectify the situation has been a sad state of affairs, from being denied escalation to having the same mistake about the bank statement made by someone else. They have severely damaged my credit and refuse to acknowledge my attempts to rectify the situation honestly. I will pay $500 and fees to just get it off my credit report, though I don't have the money to spare. Stay away from this company if you want a decent chance of having someone listen should something go wrong with your account.

I have been carrying a $5,400 charge on my Capital One credit card, which I have been disputing since October, 2023. I have sent multiple letters to Capital One Corporate Headquarters in McLean, VA, and also to their Fraud Department in Salt Lake City, UT, as well as filing a complaint with the Consumer Financial Protection Bureau. I received no response from the corporate office, but received responses from the Capital One Fraud Department and the Consumer Financial Protection Bureau stating that the matter is resolved. It is not resolved. Apparently, The Consumer Financial Protection Bureau simply took the word of Capital One, and from everything I have read about the shady business practices of Capital One, that was perhaps not the wisest course of action.

I was a big fan of virtual card system of CAPITAL ONE. I could issue limitless virtual cards for each merchant, and remove when it is not used. I found Macy's was doing unauthorized charges, same amount multiple times. My last use of Macy's was more than 6 months ago. I removed the virtual card issued for Macy's and reported it. The people who were handling my report from the terminal to fraud team were unprofessional, poor knowledge and poor direction. Macy's continued to do unauthorized charges even after removing the virtual. Nobody was explaining about the situation. The card was terminated by the fraud team and issued a new one. Guess what, it continued to being charged even after termination. I never activated the new card and closed the credit card account permanently.

I don’t recommend this card. I have had this card for over 20 years. Last year I placed the first dispute. It has been a disaster. When I call each representative tells me something different. It is as if the account doesn’t get reviewed and the representative does not review what the previous representative noted. Very poor communication. I placed the dispute in a timely manner. I didn’t realize my account was paperless. So I waited for Capital One to communicate with the merchant. I heard nothing back. I called Capital One and was told that documents were sent to me to my online account. I was never sent anything in the mail and never received a follow-up phone call. So I explained that I assumed that with a dispute, due to the importance of this, a letter would have been sent to me in the mail and I had no idea more information was needed. The response was that it was sent to my Capital One paperless account.

My cards were canceled due to fraudulent charges. They still making me pay for the charges. I asked for an explanation and they couldn’t provide me with any. I wasn’t protected from fraudulent charges like they promised they would. I’m forced to pay this money.

Don't join them, or quit if you've already done so. It turns out their auto payment is a lie! My credit score suffered because of a late payment, despite this enabled feature! Also their customer service is not very helpful.

The reps at the overseas call center are so incompetent. I had to call three times for the same issues and still cannot be resolved. I was travelling overseas on business for a few weeks. During this time, my card expires. Since I did not receive a replacement card prior to the trip, I was calling just to see how I can get a virtual card from the app or from the web. They seem to have a difficult time understanding my needs. After hours on the phone and being transferred a few times and speaking to multiple agent and being disconnected a few times, I gave up. Not to mention the automated system is a joke. I had to select lost/stolen card to get an agent on the line. I will never consider using Capital One credit card again. There are many other cards out there. I only tried to use it since they don't charge foreign transaction fees.

One month ago, I called and told an agent that I had ordered Petadolax from LinPharma. I did not like the product, they kept shipping and charging. Outreach to LinPharma did not work. I told Capital One agent I would accept no more charges and to block them, she confirmed that they would accept no further charges. I received (2) shipments costing $300. Capital One said, "We sent you a letter, they have language so we can't stop them from charging your card." I hadn't asked not to pay just not to accept future charges and they have refused to do so. They are aiding and abetting fraud against their clients. We do not matter only the retailer. Now I have no option but to cancel which will lead to so many headaches. How can Capital One continue to charge me for an item I do not want, have not authorized? I am powerless to protect myself from fraud.

360 performance savings. Capital One sucks, they keep your money they have in your account hostage, so you can not use for longer than needed! Make sure you deposit it on a Monday or it will be held hostage for 4-5 day. Believe the FCC said 2 days. You better not need it!! They do not care about the customers and their needs

After multiple phone calls and finally speaking with a representative that was willing listen and review documents supporting my claim my issue was resolved. I basically did the investigation for Capital One to prove I was a victim of fraud.

We experienced fraud while abroad. Our card was never out of our possession except when we made two legitimate purchase while in Istanbul. Between the two legitimate purchases our card was likely skimmed at vendor #1 for amount exceeding $500. Capital One denied our fraud claim. Their fraud department is a cruel joke and the last agent we spoke to all but called me a thief. We had been excellent customers for a long time with no prior issue of fraud reports. I would love to cancel the card which we don't use but understand that card cancellation adversely affects credit scores.

I have been a Capital One customer for years! I always paid WAY above and beyond the minimum payment, and have never been late on one. Over the past few months I have gotten terrible customer service from Capital One, and as of right now my credit cards are cancelled because Capital One says that I violated the customer agreement. I should be receiving a letter in the mail about why, however it doesn't help that I live in Las Vegas, and I am on vacation in Southeast Asia for another 40 something days.

On Friday December 1st, 2023 at approximately 1300 hours, I arrived to the Hotel Manhattan, Sukhumvit, Bangkok. Upon arrival at the hotel lobby, as I waited in line for the check-in counter, I observed a large groups of Tourist in front us smiling and cheering in a foreign language about getting their rooms. The Chinese Tourist group left with happy and joy as they proceeded to the elevator. At the check-in counter, I was approached by the manager of the hotel. The Manager informed me that my reservation ID# ** was cancel. I asked the manager why my reservation was cancel when the amount of $373.79 USD was charge in my account. I immediately requested for a letter of termination of reservation but the manager kept making excuses by telling me to contact my visa company Capital One and Agoda.com. The manager failed to produce me any information and termination of reservation letter.

Horrible experience all the way around. Absolutely horrible company with absolutely horrible customer service. Deceptive, unresponsive, and condescending on the phone. Do yourself a favor and go with another card...

They not only did it at the wrong time but cost me 100$ minimum instead of 35$ because a rep told me not to worry about an email sent. You wanna pay for Jeff Bezos' yacht shop at Amazon. Don't waste you time with Crapital 1.

I don't want to leave not 1 star. Complete rip off. Don't waste your time, money or energy or a hard inquiry on your report getting this card. Used it literally the 1st time for a reservation and this has been by far the worst experience ever. I will never use them again and closing card account. I don't care if it hurts my report. They suck and I'm reporting them to corporate.

The so called "fraud department" is useless. They couldn't care less in assisting you if you have an issue with fraud. You email them, you get no response.. "Customer Service" is no better. I had a large debit on my account.. No one could explain where it came from. I called several times to hopefully find someone that knew what they were doing.. During my last call, I was informed they may "cut me loose" (cancel card, I assume) because I was calling too much. Take my advice and stay clear of Capital One. They apparently are not interested in your concerns. You are on your own.

Payment was due 12/19/23. I was 4 days late due to financial issues. My account was closed 12/24/23. This is crazy. Most of the time I paid extra which accounted for nothing. I made a payment for today 12/28/23 but was told by a representative it wouldn't matter because I still won't be able to use my card. I would have to reapply.

I received an email offer for the Capital One Savor Credit Card because of my outstanding credit history and instantly applied. I received a denial on my application instantly even though my email stated I was already pre approved for the card. Very disappointing and deceptive practice. Why even bother to send this email for it sounded like a sure thing to get approved. I make nearly 6 figures in income and have well over 800 credit scores so this is totally unacceptable. If I could give 0 stars I would and I highly do not recommend Capital One and hope they collapse like some of the other banks and lending institutions!

Been a client for over 14 years. Did a balance transfer and called to cancel it the next day, as I got a better rate from another creditor. Capital One informed me that I would need to call back when it posts. I waited several days and called back and they refused to cancel the transfer. Closed both of my cards with them. This company is dishonest and stupid. Why lose a loyal customer over something so trivial. What does this say about this company when it comes to customer service? Abominable and unprofessional practices.

I had a fraudulent hotel charge on my card. The fraud department at Quicksilver had no interest to resolve the dispute. Be careful of your plan to use this card to protect your interests. Even with proof of fraud they would not stand behind my claim.

I have had my card for many, many years and I have approximately a $9,000 balance. My payment per month is approximately $233. My interest per month on this card is 20.15% or $145 PER MONTH INTEREST!!!! Yes, I still use it from time to time (very little activity). It will take a lifetime for me to pay this card off. Find another credit card company!

I have a Silver Platinum card. Part of the incentive of opening the card was spend 500$ within 3 months and receive I believe 2,000 points and interest free for 12 months. I went to cancel my card because, as crazy as it sounds, the co. upped my limit without my permission and other minor issues not worth mentioning, and I wanted to cash out my points. The cash allotment seemed low for what I had spent. I put 4,000 on my card right off the bat, minus what I have since put on it and paid off. Plus it was one point for each 1$ spent. Long story short, I was shorted points. They way the company worded their incentive was misleading. Fast forward a month I still have not received my check for my points. I was supposed to receive this within 3weeeks. Called them and they'll re-issue the check and send it out within the same time frame. I have to wait another approximate month. Poor customer service, misleading incentives.

Capital One is practicing the Bait and Switch tactic. The Quick Silver credit card boost cash back and initial interest rate of 0%, that is the BAIT. Now the interest rate keeps climbing each month and is at 30.24%, that is the SWITCH.

My experience with Capital One has been extremely disappointing, to say the least. Despite consistently making timely payments, they abruptly closed my account without any prior warning or explanation. This lack of communication is simply unacceptable and has left me feeling frustrated and betrayed. To make matters worse, when I reached out to one of the representatives with ID# **, who claimed to be the highest authority within the company, she displayed an alarming lack of empathy and understanding. It's unacceptable for a company representative, especially someone claiming to be in a position of power, to dismiss the concerns of their customers without attempting to assist or find a resolution.

Those that work at Capital One making the decisions to close the credit accounts of never late, hardworking and honest cardholders are a bunch of incompetent clowns. The ** excuses, the lies, the incompetency and the ignorance of said clowns are at most pathetic and moronic. It is apparent and true that customer loyalty had gone out the window years ago and now conglomerates like Capital One continue to destroy the lifelines of families and individuals regardless of exceptional payment history and stellar credit scores. Capital One sent me packing many years ago without justification and that was ultimately a blessing in disguise. They could no longer touch my money and I would no longer support their frivolous and morally broken policy and procedures. I have since boycotted anything Capital One has touched, looked at, mentioned, thought about or supported and I suggest those that Capital One unfairly victimized do the same.

I've had repeated issues with Capital One not honoring promotional rewards for new account openings. Despite following all the required steps for a recent promotion (and applying through the specific link for promo offer), and a similar experience two years ago with my wife's account, the promised bonuses were never received. Customer service has not provided a satisfactory resolution. This has unfortunately diminished my trust in all Capital One' s commitments.

I paid off my Credit Card, the total due amount mentioned on the statement, and still received a bill the following month. I believe they do this so they can charge late fees! You think the card is paid off, with a zero balance, but they charge you interest for money you no longer owe them. I cancelled the card immediately after becoming aware of this, and will never do business with Capital One again. This is shady business practices and I suggest not doing business with Capital One.

Over a decade ago, I had an ING savings account which was bought out by Capital One. At the time, they were paying a competitive interest rates. Since this was my emergency fund (about $50k to $60k), I did not review interest rates. However in September of 2023, I realized that they were paying under 0.7%. So I immediately closed my account and deposited my emergency fund into a local Credit Union, which pays about 4.5% (an increase exceeding 8X). I only blame myself for not watching, however, any consumer who is considers savings with Capital One products should do their homework as they can get a much, much higher return elsewhere.

Capital One has Menards card. We paid it off over a year ago. They put the amount back on our account. We showed proof it was paid off. They took it off. Then we were served papers but it was thrown out. They then put it back on our account. We cancelled Menards card more than a year ago. They say we are now 5 payments behind on money we don't owe. We have had an attorney involved and they keep telling her it's taken care but it is not because they keep adding late payments. They say we are 5 payments behind on money we don't owe. We have given proof every time so why are they allowed to keep doing this. They are not worse than a thief. If I did such a thing I would be sitting in jail. Stay away from Capital One.

I made my payment in full. I got a notification from them saying I had an interest fee of $10.34 after I made my payment in full. So I called them to ask about and to cancel the card because of it and they absolutely refused to used my $19.96 in points to take care of it and the extra $2-$4 to make it zero.

I have had the Capital One Savor One card for almost 5 years. I have not been approved for a credit line increase once. Every couple months or so I try again and without fail, I'm denied every time whereas with Amex or Chase, it's a quick and easy process. I don't know that the card's rewards system is really any better than other cards, I genuinely only keep it due to it being my oldest account. I'm not sure if I'm an outlier or not but I would not open a Capital One account if I were looking now.

I recently experienced some frustration with CapitalOne Bank after depositing a $2,000 check from a reliable state entity. Despite the check's credibility, there was an unexpected delay in the funds being available in my account. The deposit was made at 1:00 pm on a Tuesday, but I was informed that the funds wouldn't be accessible until the following Monday – a full six days later. This delay was attributed to my account's new status at CapitalOne, even though the check had already been cleared according to the branch manager at Wells Fargo, where the check originated.

I was with Capital One for many years, and I always paid on time, I was never late in payments, I also paid high interest every year. Only in the last 2 months it was difficult for me to pay, they immediately charged me late fee of $35 each month, and in addition, when I had the money to pay, I wanted to negotiate and pay the whole amount in full, I Just asked for a refund of the Late fee which is $70 only, and they REFUSED. Ended up paying the FULL amount, but I said to myself that I will NEVER, NEVER will USE Capital One!!!!

Cap 1 offered a credit card with great 0% purchase terms. I used the card twice and then they canceled the card. They provide no explanation why. Nor any way to get a clear explanation why. This practice shows a disregard for the cardholder as it dings their credit score for no reason at all. I did nothing wrong. I have a great credit score, pay on time, money in the bank, I own rental houses, and have clear title (paid off) property notes in my file cabinet. Boycott Capital One.

After the 4th transfers I was laughed at by a service member, where I have to tell him it was not funny what I was going through. That really hurts. I do not understand how customer service can not tell me how to pay my bill after closing my account and sending me a letter of charges. I want to pay it but the manager I spoke to told me I have to wait for a decision when she took offense to my comment of me saying people being dumbfounded as she chuckles. Capital one not only going to mess my credit up but now I have to bank somewhere else in the future taking my children so they do not ever be affected like me.

I paid $1200 today on my Capital One cc BUT they're telling me it won't actually be credited to my account for 20 days!!!! WTF??? 1. It cleared my bank, 2. It shows cleared in my capital one account. Upon calling customer service they said this is allowed. Now, I move around $20K through this account every month and have an impeccable payment history but I've never in my whole life heard of this happening. Not only is this company woke, but they're practicing shady business practices. I won't be carrying capital one in my wallet much longer. But before I go, let's do the math. $20,000 x 12 months = $240,000 in charges per year going bye bye...

Let me say I love Capital One's shopping widget and have no complaint in regard to their servicing of my account in terms of transactions that have been charged to the account. However their fraud desk is immensely understaffed and closes at midnight and doesn't open till 9 a.m next BUSINESS day!!! Can you imagine that if their fraudbot tags a purchase after midnight but before 9 a.m. and you get the alert that a suspicious transaction was attempted you cannot reach anyone till after 9 the next business day!! When you do, you talk to people from some non-English speaking nation who one can barely understand and who have absolutely no clue about the nuances of the English language.

I keep getting locked out of my card with no warning or indication the bank has done so. It shows my card is unlocked on the website, yet it keeps getting declined. My credit score is over 720, so it's not that. Their phone auto customer service is horrible!

I have had Capital One for about Four years and first they were ok. Then I discovered that when I had a medical emergency come up and I missed a few payments they did work with me on a arrangement to pay it back but it like over $500 and they said it was for several months and interest fees. Never call their customer service because most of them you get have a foreign accent and you can’t understand them and they won’t help and treat you like you are stupid.

I have been using the Capital One website for paying my auto loan payment for 2 years now and have never had an issue. They did some sort of update this year. I can still make my payments with ease, however when I click the print button that pops up after I have made my payment, the print no longer shows that it's for Capital One. It used to have the information on the print to show where the receipt is from. I tried clicking the "FEEDBACK" link at the bottom of the website, but nothing happens. When I right click on the word, it doesn't even give the option to open in another tab or window like actual links do. So in essence, they only put the word on the page but no link to send actual feedback to them. When I click the "CONTACT US" option, I don't see any way to send them feedback for the website. All they show are phone numbers to call. I don't want to call anyone. They need to have a digital way to contact them either via email or chat.

Would not forgive an annual fee on a card within 1 week of renewal. I consider that operating in bad faith as I have had other credit card companies help me out when I've made an honest mistake. Cannot recommend.

If I could give negative stars, I would. I have been a loyal, good standing customer for about 8 years now. I was in need of a new card, with the hopes of bringing it on vacation. This request which seems simple and basic has been anything but that. Their customer service line has been experiencing issues for close to a week. The system does not recognize keypad or verbal response and disconnects you. All of their numbers take you to this automation. Their chat is AI and according to their social media team "just keep trying the number". I am at a total loss.

I have made a reservation in July for my upcoming vaca with my family for Oct 2023. Since I made the reservation I had called the hotel 6 or 7 times to confirm. The hotel kept saying, "We didn't have any conformation under your name or booking id." I would call Capital One back and they kept telling me that the hotel does not put reservation in the system until Sept 10 in which I called the hotel and still didn't have my reservation. Finally on the Sept 10 the agent told me again that The hotel will put my reservation on Sept 26 in which I called and still no reservation. Finally today I called capital one and finally they indicated that the hotel never got it and will either have to rebook someone else. Capital one customer service is terrible and will never tell you the truth or blame themselves of the screw up. I been a loyal customers for 15 years and Now I am thinking of cancelling my cards.

I have been a customer for 6 years with a excellent credit score and no bad credit history, I have been asking for an upgrade for my card from last 1 year and they won't give it to me. I called 4 times in a year and they claim they can only give me what is on promotion but they cannot upgrade me to a different card. Bad banking experience and don't care about their loyal customers. I would not recommend them at all, you are better off at Chase or Amex.

I am a long-time customer of Capital One, they don't provide too much of a protection program or help for fraudulent, scam transactions. Very little or nothing at all. I don't recommend this bank as they don't take the customers seriously. I have been trying to solve a case for 1 month but the customer service is so unprepared and poor that I have to spend 30 mins or more each time explaining to their employees the issue. I then waited 2 weeks on 2 claims. Nobody gave me a call to inquire about the details of the claims and they denied it just like that. Avoid Capital One!

I recently paid off my credit card only to have a finance charge tacked on 3 days later. I contacted the service dept and was transferred 3 different times. The first rep (George) said they would remove the charge and transferred me to Jesus to take care of that. Jesus said I was sent to the wrong dept and said he would send me to the correct dept. The last rep Lisette was very sharp with me and told me there was nothing she can do to remove the charge. I explained to her again I had paid the card off IN FULL 3 days prior to the charge being added and I did not feel I should be charged this fee and I would like to have the charge removed. She said again that she cannot and that Capital One didn't make the interest off the card this month which is why I was charged. I paid the card off, this is why the fee should not stand!