Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.