Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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