Capital One Reviews

Capital One has closed most of our local branches which requires me to drive about 10 miles for their ATM or in person banking. They have mixed up my checking account with that of my son's causing his account to be overdrawn. They withdrew money from my savings account by mistake with no apology when I spoke with the teller...just basically said it was no problem to fix. Their customer service was so bad I wrote a letter to their CEO.

The longer I do business with Capital One the more I distrust the company and question its ethics. I have been a Capital One Card Holder for four years. I've always paid my bill on time and in that timeframe I've only filed three or four disputes and I am very active with my card. Each time I filed a dispute I had overwhelming documentation that the company was in the wrong, or that the charges were fraudulent, and each time Capital One's dispute department made it clear to me that the charges would remain and that opening up the dispute was a mere formality. It's like a kangaroo court. The decision is already predetermined and the dispute department is just going through the motions. I booked a hotel room in Atlanta, GA while I was in Dallas, TX. I went off the pictures on the website.

Capital One is a great Business Card to have, their Credit Card service is excellent, and they will stand behind you in every purchase you make. “But BEWARE of their Travel Center.” Tt is the Worst Travel Booking Agency I Have Ever Used! On several occasions I was on the phone waiting over Two and a Half Hours and they never answered my call! If you have a flight problem with the Air Lines they are totally unless and you will not get any assistance or support from them! I would recommend that if you want to travel, “Take Your Money from Your Capital One Points” and use it to book somewhere else It will cost you less, be much easier to book and if there is a problem you will get assistance because The Capital One Travel Center will not give you any at all!

There was an order for food made and quickly cancelled with the merchant. The merchant proceeded to charge my card after the order was cancelled. I called Capital One to dispute the first time. The representative said all take care of and credited. I was checking my account and noticed the charge reappeared on my account without any notification, call or letter. I called and the automated answering service does not work. Plain garbage. I was on the phone for 23 minutes to dispute an error. Completely unacceptable from Capital One. The charge should have never been added on. The order was cancelled and I was under the impression as my credit card and representative Capital One would be on my side. It looks like you're not. Paying off my balances and will use my other cards effective next month. No more business with Capital One.

Very Poor Customer Service. They do not value the customers and are only interested in their bottom line. I would not recommend using a Capital One card. Their customer service has extremely long wait times and they do not care about their customer satisfaction.

This was the worst banking experience I've ever had, and I've had some pretty bad ones. With Capital One, I started an account. It took weeks to get funds transferred in - failure after failure, and when all that finally got worked out, I couldn't use them for everything. They put a hold on the account and held my money hostage. I called night after night. They'd put me on hold and just leave me there, after transferring me from department to department. There's no other way to get ahold of them other than snail mail. The situation is currently ongoing. If you're going to bank with any organization, I highly encourage you to pick a neighborhood bank, and whatever you do, don't choose Capital One! Terrible service! Totally incompetent. My next report will be to the Attorney General of my state to just try to get my money back.

In this time of Corona Virus, I missed a payment. It is hard to keep up. I was given a fee which Capital One refused to waive. I have paid regularly and called to have this twenty five dollar late fee assessed. I was not given notice to my recollection of a late fee. I feel Capital One should exercise moral character during this economic hardship we find ourselves in. Truly saddened money is replacing morals for Capital one.

Talked to them today. Issue resolved.

We saw we was preapproved for the Quicksilver card. We go on mini vacations, rent cars, and hotel rooms. A card is a necessity for us. I was given a $1000 credit limit. We used the card a few times and paid 100% of our bill on time each month. We must have had good enough credit as is in order to prequalify for the Quicksilver card. I watched my credit score drop 40 some points and my available credit shrink to $150.!!! It is a nebulous process getting a credit limit then seeing your score sink out of sight through the normal use of a credit card and paying it all off in a timely manner. This is a cheap looking piece of plastic. There is a strip which has a phone number to call for activation. When you peel this off there will be a dirty sticky face on your card. Alcohol scrub will take the shiny surface off. I applied my rewards to my bill when I get them.

I had fraud at my bank! They were suppose to put a hold on future payments from March 15! They did not do that!!!! I had to change to my good credit card!! They sent my a new Capital one credit card in the mail!!! Which I did not activate! To double the trouble that put it online which they knew everything was hack and that credit card number could be used by the hacker!!!! I told them send me a bill in the mail with the old number. I will pay what I legally owe them!!! I don't want them anymore. They're not honest in my opinion!!!! I pay my bills always. They're not sending me a paper bill so as to add up late charges! My advise get a better card than Capital one! It's bad enough to get hacked then have to fight with your credit card company!!!!

0 Stars! This is literally one of the worst companies I have ever dealt with for any type of service. I had an ATV loan that was financed originally through another bank and my account was acquired by Capital One. I paid the account off in 2018 after a stellar payer history. I went to sell my ATV only to find out they they never released the lien on the title. It takes me 15 mins every time I call in to even get to someone that can speak about the account and they are completely useless from there. The only story I ever get is that it takes 15-30 days to resolve the issue. This last time they explained that everyone is working from home and can only mail and fax stuff on Fridays. Is this company for real!?! What year is it? I will never use their services again and will actively dissuade others from doing so as well.

April 9 got charged two cash advance fees, despite no cash being advanced 4.5 worth of calls to no avail. Just a big runaround. Bad enough you have watch out for scammers on the streets, now they're in your wallet. New slogan-Crooks. That's what in my wallet!

This bank is just bomb. I love them SOOOOOOOOOOOO much!!!!! They've been with me for years. This bank ALWAYS has my back. ALWAYS. It's a ride or die bank. The only complaint I have is that they outsource their customer service to countries with thick accents who are near impossible to understand. If 98% of your clients speak English and you must outsource, why not outsource to countries who have cultural and language competence in the country you primarily serve? Like Canada, Japan, Mexico City (not other areas though), and Jamaica. These are all really good countries to outsource to. NOT India, Pakistan, Columbia, Nigeria, or Central America.

On 3/29/21 my husband and I called to let the credit card company know that the credit card was not arrived as they stated in the email they send us the card on 3/18. The card was supposed to be coming on 3/24. We called and we had to be 1 + hour on the phone bc the rep didn't believe that it's actually the right people. She then put restricted on the account and we had to transfer to the fraud dept. We had to take a picture of the ID and uploaded to a special site and only after that the so called restricted has been lifted. All of this bc we were worried that the card was lost. Unfortunately we were treated so bad and we were humiliated just bc we didn't received the card. No one should get treated that way. Needless to say we are very disappointed from Capital One customer service. There are many banks that would love to get out business.

If I could give zero stars, I would! I sold a controlling interest of my company in 2018. The new owners stopped paying me less than 2 years later. I decided to sue them in an attempt to take back my company. They decided to hide behind the bankruptcy laws and to declare bankruptcy. Once bankruptcy was filed Capital One froze my account and stole $1835.00 cash rewards saying that my rewards were forfeited due to a bankruptcy I never filed. I had been a client in good standing for 19 YEARS!

I own a small business. We've had Capital One business credit card since 2003. Paid our bills online. All of a sudden Capital One doesn't recognize us online. Therefore, they locked the online account to have access to pay bill online. I called the phone number on the screen and the service rep was the rudest person I'd spoken to in a while. The account is still locked since September 2020. They send a bill with the due date that is the same date your bill arrives. They are charging interest and late fees to no end. I have filed a complaint with the FEDS and the BBB and Capital One has not responded to either complaint.

I have filed a dispute for $83.77 since day 1 (dec.08.2020), after three months of back & forth, today (mar. 09, 2021) they have permanently closed it to the merchant favor, stating that I did not file in a timely manner.

December 29th 2020. Reach out to CS. I got someone outside the country, I ask to be transferred to the USA. She said fine, I got Jason the supervisor (not looking for a super. but ok). I explain that I'm a longtime customer and looking for a better rate on my transaction fees, to which he reply "no what you have it's it" so I said, "That's it. You are not going to see if you have anything better?" "No." I reply, "Then I may be force to cancel your credit card." "You can cancel online." I said, "You can help me with closing my account." "No, you can do it online" and hang up... I was very upset, but decided to wait on the cancellation of the card.

I applied for a Capital One card when my credit was not good. I was approved but, at a high interest rate. As my credit improved and I was seeking a better interest rate or a waived fee, they would not help. Each time I have called customer service, they have never helped. One time I was making a payment on my computer and it shut off. I had to restart it and enter the payment again. Because of this, the payment was literally made 3 minutes past the time that they allow payments to be made & they would not waive the late fee. Even though, I called right away to tell them what had happened. The payment was submitted and they would not waive the late fee. When I wanted to pay the credit card off in full, they would not work with me to make it easier to do. They seem to want any fee or interest they can possibly get from you. They are not interested in working with their customers or keeping them.

I have a Quicksilver and Venture card with Capital One as well as a Walmart card. They have been absolutely amazing in terms of customer service. I actually received an Amazon gift card in the mail from them. Out of all the companies I have, Capital One is the first to ever send me such a gift. Amazing company and will continue to be a customer.

I have had the worst experience using this bank to try to get a credit card activated. Customer service was absolutely terrible and time consuming and got nothing done. They completely wasted my time by asking for multiple documentations then denying them for literally no good reason. Terrible terrible customer service. I will never be dealing with this bank again.

I never have written a review before but I'm just so angry.. I was fraudulently charged $400 for Google Play cards that were purchased online through Walmart. I have made numerous calls and written statements that I did not purchase these cards. They said "there is no proof I didnt." They said it's my fault and charges remain on my account. Very insulted and disappointed!!! I will be canceling my card. They will NOT be in my Wallet .

So I am widowed and disabled and I used to be able to pay my credit cards on time until Covid19 hit and my hearing was delayed twice but anyhow I got approved back in December 2020 and I just got my back pay and paid all my credit cards off in full And guess what Capital One did to me?! They lowered my credit limit and even shut off my checking account after I deposited 100.00 in it. I think I am being discriminated against for real. This was no fault of mine yet here they are punishing me after they ruined my FICO score. I put 3 of my 5 cards right in the freaking shredder because if I can't pay with my debit card or cash then I don't need their damn cards after what this place did to me! I am furious! Don't ever bank with this place especially now. Was this Covid19 my fault? Nope. Thank God for Biden because at least he gives us food stamps SMDH. Dems keep them poor and always at war..I'm so salty right now..

So booking housing for frontline healthcare and the housing was $388.90 over my card limit. The person on the phone would not work with me at all. It's very frustrating and felt racism was at work....

Worst customer service by Capital One during a pandemic!!!!! The worst! Not helpful & NOT ethical. Miscommunication, lazy! Do not assist a customer with an issue. Capital one Actually referred to a merchant as liars and then sided with them in a dispute after I obtained written resolution.

Nowhere in the terms and conditions does it say that you cant have a credit card w/ Capital One if you have had charges in the past. I was approved for a card and have used it. They decided to close it because I have had drug charges in my past. That has nothing to do with my card that I pay on time. This is discriminating and nowhere did they ask could they do a criminal background check on me or did I approve it. Wouldn't this be illegal? They said they have investigators investigating all applicants now. Has everyone signed a criminal background check with capital one? Very unprofessional service. I would not suggest using this company.

I have been a Capital One customer for over 18 years and up until about 3 years ago they were great, the best, I used no other card and I had plenty. Now the customer service is just awful, I'm disgusted every time I have to call them and since Covid and new technology I have more fraud on my credit card than ever before. Capital One says they're on your side and going to resolve issues but they don't. I now use any other card, Capital One rewards are not worth the hassle you will go thru when a problem hits you and your card.

On 1/28/21 I went to their website, like I have done for the last NINE prior payments without issue, to schedule a payment. After a few days of it not posting to the checking account I have on file with them I get an email asking me to contact them to address a "problem" with my checking account. I called the credit union that I have the checking account with on 2/3 and they never received the payment. I called Capital One and spoke to Elaine and explained what happened. Elaine wasn't much help and didn't seem to know what was going on. I then called back on 2/4, and spent more time on the phone; my lunch time. I spoke to Rowan, who told me that the account they attempted to debit ends in **. I was surprised, this checking account was never provided to them to debit that account, since it's been closed for at least 2 years.

I found a charge that I did not make. I made a fraud claim. The Fraud Dept denied my fraud case and when I called to ask why because no reason was given in the letter, they said because I continued to make payments on my card that I was at fault and the vendor that had charged my account did not have to prove I made the purchase. I have never had this issue with any other credit card company.

BEWARE!!!! PREDATORY COMPANY THAT WILL GO OUT OF ITS WAY TO DESTROY YOUR LIFE. It started at 600 dollars. I became disabled, I couldn't pay all at once, I defaulted. THEY WILL SELL YOUR ACCOUNT TO MIDLAND FUNDING, WHICH WILL THEN SUE AND DESTROY YOUR CREDIT. I am disabled, I am on disability. I WAS TRAPPED FOR 7 YEARS IN A HOLE because of this company, I finally got out from under them and now? THAT 600 IS 1500 AND GUESS WHAT? They hired a new law firm, so they could sue me again and reopen my account and DESTROY MY LIFE.

Capital One turned their back on me. I then turned mine on them: Within 15 minutes of placing an order online, I realized something was wrong and called Capital One. I said please stop my purchase I just made, I believe my purchase is a scam. They said they could not and that it would have to post first. I said that it was 15 minutes ago and now I'll lose my money. They said there was nothing they could do.

Two big words: STAY AWAY! Capital One is dishonest and lacks transparency. They also give their customers zero platform to voice their opinions or appeal a decision. Capital One has absolutely ZERO sense of loyalty. I was a customer for 20 years, never missed a payment, and one day I tried to set up a link to a new account to make my payments from, the payment got rejected twice and Capital One permanently closed my account. Worst customer experience by far. Use Charles Schwab or even Wells Fargo! They're much friendlier and loyal.

I merchant kept my credit card on file without me knowing. They charged my credit card over $500. My previous business with this merchant has always reflect minimal anything under $100. I called the merchant to find out why they charged my card. The merchant indicated I had placed another order with them that they shipped. I told the merchant I have not received an order from them and neither did a place an order with them since my last one in August 2020 which was under $100. The merchant said they would refund me if I returned the items -I explained to the merchant and Capital One on 2 occasions -how can return something I never received. After explaining this to Capital One and the merchant -my credit card company sided with the merchant and now I am out of $500.

I have credit cards with USbank, BARCLAYS, GE, Synchrony, Chase, CapitalOne,... The only reason for having credit cards to me is paying bills with different pace but I always pay in full and on time because the concept of interest and late fees never made sense to me. Important fact that I just recognized is that Capital One is the only creditor (Walmart credit card) which does not forgive you even once for paying after 8 pm Eastern time on the due date (Even for a 6-years customer who always pays the whole balance and on time). Let's say when you just changed your address and did not receive your bill in the mail and you forgot about or did not know about the 8 pm ET, no courtesy for you or even their long term clients.

I own a Savor one card. There is a annual fees and the customer service usually waives (they did for last year). I called the customer service multiple times before I was charged the annual fees this year and I was always told that they can only waive off once the charge is levied and not before. I explicitly asked what if they cannot waive and I got an option that the card can be downgraded and the fees will be automatically waived.

I want my $75 back. Capital One, you're aweful. How can you be allowed to treat innocent people this way. I am calling you out!! Consumer Affairs is just the start buddy boy. I hope you can live with yourselves. Canadian, I beg to differ. In Canada we are inclusive, you're locked up so tight that it's not even funny.

The statements for Deposits and CDs received from CapitalOne 360 are completely useless. Instead of reporting the interest Paid Year to Date they report the interest accrued to date which is completely useless for any accounting purposes. At year end I need to know the total interest received for the year so I can plan my taxes accordingly, the interest accrued does not mean anything. This is the worst accounting method that I have seen with any bank. What we need on the statement is the interest received YTD and also the interest received for the previous year. Where the hell did Capital One hire their accountants ? The monthly statements are completely useless and the account details showing online have also the same kind of problem, they need to report YTD interest received and previous year interest received, but instead they report interest accrued to date which is a stupid number that does not serve any practical purpose.

If ur an ** with an account with Capital One you will notice when you make payments there will be a really long hold before your available credit change. Also you will notice when speaking with representatives the options available to help you is different and the amount of decline transaction increase causing you to have to make a call more often. After investigation for 6 months it’s concluded that racism lives at Capital One and is a behavior that’s welcome. Shame on capital one.

They are THIEVES!! Back in October, I had a fraudulent charge on my account for $40. At that time, I only had $2 left in my account. They allowed the fraudulent transaction to go through DESPITE having my account on Auto-Decline. I called and explained that wasn’t a charge I had made, and the CSR gave me a hard time about “verifying my identity.” I told her I no longer had my phone number on file, so she said she’d literally have to send me a code in the mail and for me to call back. Never received this code, the charge was never disputed, and they “permanently restricted” my account. I’ve been trying to get this resolved for MONTHS, including the other day when I had the same issues with “verifying” me.

It's no wonder this company has to give you $400 to sign up for a new checking account after all the irritating hoops they put you through to purportedly verify your account online. I spent hours trying to upload photo IDs and talking to customer service agents, all to no avail. No bonus is worth this much hassle. I gave up after a couple of hours, figuring this is NOT a way to start a relationship with any business.

I hate the fact that they decide when to put random holds on your accounts. With covid and lockdowns I have had to resort to online Christmas shopping for 10 year old. Any other time payments clear before midnight same day, but when you're on a time crunch that is when they decide to do holds, really. The money has already clear the account.

Applied for a Capital One credit card and was turned down. Reasons given were my credit score was 798 - it has never been under 800, no history of revolving balances - had my Jpmcb card over 10 year, and length of time accounts have been establish - over 10 years. Capital one did a hard credit check which cost me several credit score points and had the nerve to tell me they were refusing me a card. Just got done paying a house mortgage 15 year off in 5 1/2 years and have no debt. I don't know what kind of person made the call of not approving me for the Capital One card - must be an idiot. My personal opinion. Capital One will not issue you a card unless you have debt. I know one thing that will not be in my wallet is a Capital One card.

I made a purchase from a company that appeared to be from CA, it was from China. The warranty for the two pairs of shoes I purchased said 100% guarantee. When the shoes arrived, they fit poorly and looked cheap. Immediately I contacted the company for a return address. The company then began to negotiate the refund they would provide and informed me the picture I had provided, showed the shoes to be in great shape therefore they would not refund for the following reasons: it's too far, the cost to send them back is too expensive, there is a pandemic going on, they may never arrive to China etc. After ongoing correspondence an address was provided, the shoes were sent back (at my expense).

They owe me that one star, they have deceptive practices. They held my payment that I paid from the same account that I have been using since I opened this account and the same method always pay on their app. 6 days later the payment still hasn’t posted and I got charged interest on the balance they are “holding”, customer service is a joke and will give any excuse to get you off the phone. The app states payments would be posted the same day or the next day if the payment is made after 8pm. All lies just so they can charge late fees and interest on the balance that was paid in full.

During such an awful time in this world this bank holds your payments! Even though you have never had a issue. Same bank, same account, never late, never returned! They're liars! One person tells you one thing and then you get the run around!

I received an email from PIA reference renewing my account automatically, and charging me $39.95. I emailed PIA, and told them I didn't want to renew, and wanted a refund. I called Capital One, and advised them I didn't want this service and was disputing this charge that posted on October 28th,2020. They refunded my account $39.95 on October 31st 2020. On November 10th they re-charged $39.95 back to my account. I called them, and asked them why, and they said PIA said it was correctly charged, and that I had the services. I found the reference number for the PIA cancelation, and I tried to send the reference number by fax, because Capital One wanted proof of it, but of course it didn't go through. Capital One claims they sent me a letter in the mail that I never received. I also spoke to three different agents who said they would send a letter to my work and personal email accounts, that I never received. I even checked my spam folders.

I have had an account with Capital One for over 37 years. I have lived in areas of the US that do not have a local Capital One. However, I was still able to do my banking online. Likewise, I had a line of credit with Capital One for over 26 years. In May 2020, Capital One decides to discontinue their lines of credit. However, they failed to notify their paperless customers. In July, I noticed that my account was locked and the balances were zero. I called customer service and they advised that they have discontinued this service.

Charge interest on new purchases. Had a credit on my account and they charged interest on my new purchases. I will not bank with a company that is not ethical. They charge interest on new purchases, they prorate into the future on new purchases without giving you the opportunity to pay off.

Do not trust this bank. Pure trash customer service. I bought a cell phone from electronicsforce.com, also known as cell2get.com. The website sent me the wrong phone. Then they did not want to send me the correct phone. False advertising. So I call Capital One and get a temporary credit. 90 days pass without them asking me for more information. After 90 days they rule in favor of the merchant. So Capital One won't side with me because I did not reply within their request WHICH THEY NEVER SENT ME ANY REQUEST FOR MORE INFORMATION. Capital One supports false advertising. Plain and simple. I urge everyone TO AVOID THIS GARBAGE BANK AND ITS CREDIT CARDS PLEASE. Do not go through what I went through.

They target a specify demographic with their new floating billing cycle terms. I called the day they released the new terms and was given false information regarding my interpretation of the terms that were presented. You would think that they would educate their staff to effectively assist their customers in the event that there is a problem. BOY WAS I WRONG! Not only were they not able to articulate the correct way to calculate the correct statement date I was informed by a manager not to listen to anything that the first representative say to you....

Paid them off before the next billing cycle and Still was charged an interest fee. What a rip off place. Ask a supervisor there if they could waive that fee and they would not be willing to do so After I paid them quite a bit of money to pay It off. Would give 0 stars of I could.

I am not happy with Capital One. If I could leave 0 stars I would. I have been with capital one for about 2 years until they recently closed my account for "fraud". I went into my online account in hopes of paying one of my cards off when I finally received my unemployment. I decided to pay with my checking account because I had misplaced my debit card. Well big mistake because when I put my checking account number in I made a mistake of putting a 7 instead of a 6 for the very last number. I checked my account everyday wondering why my payments had not posted. I made a $32 payment on the 9th and then a $532 payment on the 11th when I received my money (from the same account). So after days passed by and my payment still had not posted I decided to give capital one a call.

This company will cancel your charges without being able to give any reason. This usually isn't a problem, aside from some random third party telling you what you can purchase, but sometimes you will miss out on an incredible buy. I, for instance, had to pay an extra $1000 when I missed out on a 30% off flash sale on an UST projector. After finally getting a hold of customer service and after they finally managed to get my account back up the items were no longer available. ** company through and through. Do yourself a favor and go with another creditor.

Capital One mishandled my dispute and due to their advice on how to proceed I lost $943.68 from a vendor for a service that was never provided. Capital One never returned calls or followed up and did not keep accurate notes. It is has now be 7 months since I first filed the dispute and I just had to file with the BBB in order to get help to move this along. I am a long time customer with a great history and they refused to own their mistake. Terrible experience and super frustrating. Agents are nice, leadership is thoughtless.

I have to say I was excited about opening this account because the reviews was great. But I have had nothing but issues. The debit card was messed up. Cannot be used. The security is so tight I cannot get otc code because I have a prepaid cellphone. Disappointed.

I have two Cap One cards that I've had for years. They are always paid on time and early in the cycle. I haven't had problems with them until recently. Earlier this year 3 fraudulent charges were made on one of the cards, 3 charges at fast food restaurants between Pensacola, Florida and Texas, all during the worst time of the pandemic this Spring. Called Cap One and these were remedied. They sent me a new card to replace the one with the fraudulent charges. I tried to activate it and the nightmare began. They were wanting me to prove who I am by scanning documents and sending them to them over my cell phone. I said "no" that I'm not putting myself at further risk.

I had agreement with WCJ, Inc. of Woodand Hills, California that for $75 fee they would give me address or email or phone number for Michelle Ann **, born 04/28/1951 in New Rochelle, New York. Dino only gave me address and phone for Ricard **, who was her ex-husband from Garden City, Michigan. They divorced in 1975 and Richard said he talked with her in 1985 when she told him she was moving to San Diego with her mom and sister Marlene. Dino failed to give me any direct info on Michelle so he violated the agreement for $75 fee. Capital One has denied my dispute twice with no reasons given.

I have dealt with Capital One a few times - twice before to pay for bid purchases and currently set up through Walmart. I have never had any issues with them and therefore content with this company.

Capital One was one of the first to provide me with a credit card with just so so credit so I could re-establish my financial future. Rates are reasonable. Customer Service excellent.

Do not get this card. After 3 years of every payment on time balances paid off would not give increase and did not specify to me that my credit would be run again after inquiring about them raising my limit. The inquiry I had no knowledge about. If I had known that when I asked for higher limit my credit report was going to pulled I would not have requested for higher limit. I got this card because it said it could help build my credit. So if you pay on time and pay off balances after 3 years no increase. All credit counselors suggest asking for increases of spending limit. This card will not help you. I wish I could go back in time and have applied for a different card that would have given me limit increases over time. My card was blocked at a very crucial time when I needed gas. I was cut off from using it.

It offers the convenience of quick check out without the hassle of counting out your money and checking your change after completing your transaction.

I have had this card for more than 10 years. Their customer service has been wonderful. They always go to bat for any customer dispute. The rewards are very generous and I have gotten so many free things with the rewards.

I love my Capital One credit card. They are easy to work with and accepted everywhere it seems. Their customer service is also top notch!

Great card especially for traveling internationally as there are no foreign transaction fees. Plus being a Mastercard branded card, it gives loads of benefits such as auto insurance for rental cards.

I have banked with Capital One for several years. Decided to add a business bank account earlier this year since there were one of only branches open during Covid-19. I am gravely disturbed with their policies for new business customers. I am an easily verifiable business for over seven years. Branches are now being completely run by their tellers - answering the phones, acting as personal bankers, a different story every time you call customer service regarding an issue that needed to be resolved with my account. It has been 90 DAYS and the issue with my account has still not been corrected after dozens of calls WITH NO RETURN PHONE CALLS and even overnighting two letters to the CEO Rich Fairbank in an attempt to personal attention. Branches are dropping out of site now. GET YOUR MONEY OUT OF THIS BANK BEFORE THIS DISAPPEAR WITH IT!

I don't use the GM Card very much so forgot I had a transaction on it. I never got a bill in my email or a paper bill sent to me. I also did not get anything that said I had a past due statement. I look up my accounts and my credit report on occasion just to check on them as a fraud prevention thing. Lo & behold, there was a billing late statement over 30 days late. Capital One reported this late statement To the credit bureau without even notifying me I had a late statement. So, I immediately paid for the bill and late charges. I then called Capital One. They did not care that I didn't get a bill.

I have had no problems when it comes to using this card. I can pay easily on line, their app, or my bank's app. I get free credit report and score with notifications of anything has changed.

Capital One is like most cards, however, the reason I signed up for this card is that it does not charge for foreign transactions. Fortunately, a number of other cards are now not charging for foreign transactions.

Am very pleased with the quick access I had to this card after filing bankruptcy. Also they raised my limit after only 3 payments. And gave me an offer to refinance my Jeep.

I have an 827 FICO score and bunches of credit cards I've amassed over the years. Since cancelling a card can have a negative affect on my credit rating, I don't cancel the ones I don't use but I only use the Capital One. Never an error, online billing is timely and accurate.

They practice unfair and deceptive business tactics - are racist - and will discriminate in their card fees, limits and culture - they are borderline criminal in their tactics - stay away - you don't need a card that badly.

The agents can't explain their own policies. Slow, inefficient and unable to answer my questions about my account. I certainly don't feel safe with this level of incompetence. Closed the account within a week.

Consumer credit card company has helped me to increase my credit rating. They have raised my credit limit at least three times. They often offer me opportunities to purchase merchandise at a lower cost. They will help me to purchase another car by giving me a pre-approved account.

I used for Costco and all it gives you is what you owe at end of month. It would be great if more closely linked and give details of ALL purchases.

Capital One is by far the best card out there! The rates are great and their customer service is above par. They also have never left me on hold long or transferred me to several people to get a resolution. I love Capital One!

Having a credit card and keeping payments current has definitely helped my credit rating. My problem is that there is an annual fee and there are no rewards. I realize my credit was poor and was lucky to get a credit card so really can't complain. I do like having the card for gas purchases due to the high occurrence of theft through using debit cards at gas pumps. I pay my card off every month for most part to avoid high interest rate.

I wasn't very happy with their miles program. When converting miles to cash it was a poor cash reward, so I stopped using it. After a few months they offered to switch to a better cash reward card which I appreciated. I really appreciate the alerts every time my card is used; some other cards only alert when you're over a certain amount.

Capital One has a decent credit line and is accepted worldwide. They have good customer service. But their interest rates are sky high and will never go down, over the entire life of your account, no matter how wonderful your payment record and credit score may be.

Easy to obtain with average credit. Since I have had the card with tips listed thru the app I have been able to boost my credit score 54 points paying off 2 delinquent accounts. Helpful tips for a person looking to build credit.

Capital One decided they didn't like Plaid, now owned by Visa, so they restricted all third party financial tools from accessing customer accounts. Now we can't use some of the most common personal financial management tools available. What a stupid hill for Capital One to die on. No Venmo, no Truebill. I have two cards and two bank accounts with Capital One and they will all be closed because of this company's arrogant self-service and lack of consideration for tools their customers want to use. Some executive at Capital One thinks they've made a smart call and they're sticking to their guns. They're just losing customers.

Capital One Credit helped me with my auto loan, and has been fair with me. I also have to other credit cards from Capital One and haven’t had a problem with any of them. Very professional people to work with.

I’ve been very satisfied with Capital One credit card. They notify me if an unusual charge has Appeared. If there’s a questionable charge they immediately look into it and notify me as to where we stand.

It is similar to any other credit card. I have received this one being a member of Costco, however there are other cards can exceed the perks offered by Capital One. The credit rating is limited to the Primary Card holder irrespective who is settling the bill at the end of the month. They do not offer any other perks outside the typical low percentage on each purchase.

CapitalOne offers unique card numbers for online purchases, which means if your card number is compromised you don't have to get a new card. Big time saver & less fear/ hassle when it does happen. (Cause we all know it is going to.) It is great that they offer good tech solutions & still maintain a great 24/7 customer service team customer service for calls too.

Tried to protest a charge a couple of months ago. Had to send inquiry to Capital via snail mail. Never a word from Capital. My wife was on the phone 1 hr. and 31 minutes last night. Call back in 24 hours (Capital Personal Card). I talked to same operator to cancel my Spark card I have had for the past seven years. This company has gone straight to hell.

I have a Capital One Quicksilver card, and I love the cash back rewards. The mobile app is very convenient for account updates, I just wish payments would post faster through the mobile app.

Have been with Capital One for many years and they are awesome to work with. Payments are easily made online and cash back is quick.

This credit card is one point shy of being a fraudulent company that takes advantage of consumers who are in desperate situations. The interest rate and fees should be illegal.

They make changes arbitrarily. They "improve" the card without finding out if the customer wants the change. They don't care if the customer is inconvenienced.

Capital One sucks. I applied for a credit card. I get approved then they send me the card. I call and activate the card. They turn around and said I am not the person. I sent every ID I owe plus SS and no.

My Capital One credit card can be used just about anywhere. Never had it turned down anywhere. I have found that Capital One is very careful about security. If I lose or misplace a card, it’s easy to correct the situation. Plus, I like the points system, it's easy to use and understand.

I love Capital One. I use it exclusively for everything our family does. I earn points on my purchases which allows for many things but I mostly use for "travel erasers". It's wonderful. Also, Capital One is up on everything about your account. I get emails or texts inquiring if I purchased something that doesn't seem right to them. Believe me, it's helped in the past when my card had been fraudulently used with never a penny charged to me. Like I said, love my Capital One!

It is convenient because it's a tap card, which has become essential in this time of pandemic. It is widely accepted which gives me peace of mind when I shop. And, very important to me, the bills are accurate and making a payment is easy.

Their interest rates are way too high. They're not community-minded. They don't give their longtime customers or clients any breaks. They're a nightmare when you miss 1 payment!

I unfortunately was the victim of scammers: I ordered online 2 pairs of shoes I never received. Instead I got a fake pair of RayBan not even worth $5... of course from China!! I provided all the documentation to Capital One but even though they recognize it was a scam, they refuse to refund me unless I provide them with the proof that I shipped back the item I received... to China!! Of course, they do not cover the cost of that shipping back which will have to be from my own pocket!! I am closing all my accounts!! Bye, bye Capital One!!

Due to Covid-19 situation, the merchant I transacted with in India in March 2020 was unable to complete a fully-paid-for tour itinerary. I filled out and sent a Dispute form with Capital One. I did receive a Purchase Adjustment, but was reversed with interest two months later (May 2020). Capital One asked me for more documents, including flight records indicating that I left India in the middle of the contracted duration and shared me invoices that the merchant provided to Capital One. It should have been evident from the documents gathered that the merchant was unable to fully fulfill their obligations yet Capital One sided with the merchant citing “Visa technical requirements”. Really?

Love the card. Always there when I need it. Never have any problem and very good customer service and would recommend to everyone.

This company makes it easy to do business, they are responsive, customer service is superior, and the website is easy to navigate. Rewards are above average.

Capital One first card to approve me and gave me a chance. They exceeded my expectations with credit limits and communication. Capitol One have bank accounts, apps, car financing and more. I'm happy with their customer support quick answers. I'm overall happy with them.

Actually, I LOVE my Capital One card. My limit is manageable and it is welcome everywhere. However, I do believe the interest rates are too high. I have written to them, to no avail. And the fees are costly.

I had a Costco vacation trip canceled and 10 days later no credit has been applied to my account. Costco verified that the funds were released but 10 days later no show on my account. Problem: Account only had one charge, which was the vacation. A payment was due, so I had to make a minimum payment and hope that the credit to the account would occur within a 15 day period. I will end up having overpaid account balance AND will incur a finance charge for the noncredit amount, which Cap One says the will refund to me. All of this mess due to a very slow account credit process. They do not seem to understand that they will ultimately lose $ on this scenario. Have been a Cap One customer for 15+ years... And generally pay full amount due every month... No consideration for that.

I had a misfortune and Capital One is the only card that gave me a chance. I now have 2 Capital One cards and an excellent credit rating. I continue to get increases without asking. Go Capital One!!!!

This is a good company. I've been with them for a year and a 1/2 as never missed a late payment. I was a few days late when I 1st got the card and that late payment is on my credit report and the only thing that's really hurting me. I ask them if they could change it because it's the only one late payment in a year and a 1/2 And they said no but they did give me a credit card when no one else would so I do thank them for that.

I paid my Capital One credit card. Please make sure that there is a 0 balance owes on my Capital One credit card account ending in **.

Great customer service: representatives are always friendly. The perks are always among the best. I also appreciate the user-friendly website.

Excellent customer service. The automated system works well if you general questions answered. Getting in touch with a human is a lot less difficult than other cards. Very knowledgeable and accommodating.

I was very pleased with the availability of this card and how quickly it was approved. I found the process of getting it to be a little tedious. It was approved online, then I had to wait to get a letter through registered mail where I had to go to the post office and provide identification. After that I received the card and again had to wait for the pin to come in the mail. Finally I was able to activate it. Then I had to pay $59/annual fee! I understand the importance of keeping a step ahead of the thieves, but it took a really long time between the approval and the ability to use it! I think the fee is pretty high considering the lack of benefits, but it is a reestablishing credit type card, so I’m grateful for the opportunity.

We have been using the Capital One card for a few years now. WE ABSOLUTELY love it! We use our rewards money to pay for vacations! And we recommend it to anyone!

This has been a good credit card for years. Rewards have been consistent and when I needed to change their rewards card from travel to cash there was absolutely no pushback. However there was a fraudulent charge and they notified me and got me a replacement card quickly. However, shortly thereafter I tried to charge a large purchase and not only was it denied but all of my charges ended up getting denied, the card restricted until they did their investigation. Had to switch all of my recurring charges to a different credit company. What a pain in the butt. The only problem I ever had with them..

Capital One seemed to be a good option to rebuild credit. However they always start you with a very low credit limit and the fees lower that even more. When it’s time to increase credit limits other companies are more generous with that increase and provide options many times over the year to increase. I don’t mind capital one as a company and their app is good quality but I feel they are very stingy with credit increases. Even when pre approval of other loans in their company. Been with them over a year and have a measly 500 limit while my other cards are well over 1k each.

Capital One has great customer service as well as numerous account options. When an incorrect charge is made, the last thing you want is pushback. I’ve never had an issue with having a charge removed. I love the 1.5% cash back on every purchase and the app is very user friendly.

It's been our credit card since we acquired a credit card. Easy to call the head office if we want to ask about something. Reliable and dependable in using anywhere we are. If we need help they are always ready to attend into it. This will be our credit card always and forever.

I have been a Capital One credit card customer for more than 8 years. I used the credit card 3 or four years ago and tried to pay off the balance for many years. Since I lost my job a few times and was unemployed for 6 to 7 month for the past 6 years, I am only able to make minimum monthly payments. However, they increased the interest rate for 22.5% and 65% if my payment is going for monthly interest and just 36% goes into principal. I called a few times to talk to a representative, but the automated system put me on hold for a long time. Since I have to get back to my work, I was forced to hang up.

Bought custom rims and they did not ship me the correct rims I ordered so I disputed the purchase. I gave Capital One more than enough evidence to prove my dispute. They sent me a letter saying I did not give them a document from another wheel dealer telling what the original merchant did wrong so they closed the case with no warning. When I called them they admitted I gave them a lot of evidence but no letter from another merchant. They would not allow me to reopen that case or open a new case. THEY WILL NOT BACK YOU UP IF YOU HAVE A DISPUTE!!!!

Capital One gave me my first credit card. My card has rewards every time I use it. They allow me to go over the limit when needed without any penalties.

I earn miles for every dollar I spend and use it to fly my children to Florida. Anytime I have a problem on my credit card they take care of that right away. If I get a charge that is questionable they will always call the merchant and credit my account if necessary.

Got their big cash bonus if spend over few thousand dollars. Plus Nice percentage in returns. Very satisfy program for maximum credit in return.

Capital One is a great card with 1.5% cash back. Using your cash back to reduce card balance is fast & easy, Their website is easy to use, payments post quickly, I would definitely recommend Capital One.

I am a senior citizen and had relocated to another state. I needed to replace some furniture items. Funds were a little scarce so I applied for a Capital One credit card. Thankfully my application was approved. Thank you Capital One.

My experience with Capital One has been exceptional. They have been by my side for many years. I would highly recommend them to anyone, especially if they are trying to establish a line of credit.

This card has a great point system. I use the points for traveling. It's so easy. All you have to do is make a qualifying purchase using the card and then apply to use the points.

Capital One have a low minimum payment. The interest rate is not good but if you pay more on the card it shouldn’t really affect you. And paying an amount each time raise your credit score but if you pay it off completely your credit score go up even more. Great card to work with.

I have had this card for many years and this is by far the worst one I’ve had. Customer service is at the bottom of the list. They are not customer friendly.

I use the Quicksilver one and I get 1.5% cash back on ALL my purchases - so no having to remember different promotional periods. Since I get cash back on all purchases, I get cash back on things I pay for routinely such as regular bills. I use this card over my debit card so that I can get the most cash back possible on my every purchases. It's nice because I use this as my extra savings and use my cash back to apply towards my holiday shopping at the end of the year since there are no limits to what I can earn! In addition, the no annual fee and no foreign transaction fee is a bonus.

Have been an excellent customer for 22 years with no late or missed payments, and FICO scores in the 800's. Was rewarded for this by getting my credit limit slashed drastically! Talk about being blind-sided. Will take my purchases elsewhere now.

Capital One makes it easy to use their card and for some reason, I never have problems with their chip like I have with my other cards.

It’s always a great issue to get your “rewards“ redeem, specially when you request a check mail to you. Today I spoke to between 5 and 6 people and NO ONE was able to complete my request. OUTRAGEOUS. I starting to think that they won’t make it easier but harder.! Why.? Because Capital One is being pushy about using My rewards to buy in Amazon and others companies that “supposedly“ match lower prices and all the BLA BLA BLA ** that I won’t do. Why offers something...that doesn’t wants to give away.!!!

If you are trying in any way to build your credit or make your credit score go up this is not the company for you. One main issue is with all their technology all of their online shopping tools, Twitter, Facebook, Instagram etc... all that stuff but there is no secure messaging? There is no email for existing customers? REALLY? I thought only the most crooked operated that way.

Very disappointed in their high interest (22%) but mostly my frustration is from them charging me interest AFTER I paid my balance off. I was very surprised to receive an email stating that I had a payment due when I knew that the previous month I had paid the entire balance off. When I looked at my transactions, I had paid my entire balance off on 9/3 and on 9/16 Capital One charged me $71.15 of interest on an account with a $0 balance. Calling them was a waste as they refused to waive the fee. I just hope that this will not happen next month too.

I tried to deposit a check using their on line tools. My deposit was rejected because it is from the same payor and same amount as a previous check. The new check is dated past the date of the other deposit, and has a different check number. Capital One advised me to either mail the check into deposit, or open an account with a local bank and have the money transferred. What is the point in using Capital One if I need another local institution to cover for Capital One’s inefficiencies? I might as well simply use a local bank and skip the hassle. Get it together Capital One. It is not uncommon to have like checks from month to month. To make matters worse, calling for assistance and being told I should have a local banking option shows Capital One is aware, but doesn’t care enough to have a solution for their customers.

Updated on 11/06/2020: Let me rephrase my previous review from disappointed to disgusted with Capital One's level of support and understanding during the COVID-19 Crisis! Coronavirus has affected everyone differently and at different times. Like I previously mentioned my credit card has always been in good standing until recently when I fell behind a couple of months ago. I missed one payment (a payment was made, but not the full min payment) and my second payment was late while I waited my for EI Claim to be processed. Payment arrangements were made and I am now caught up and back on track...so I thought, only to find out Capital One has raised my Interest Rate in the midst of a pandemic. How terrible! It shows Capital One truly doesn't care about its customers.

I've had a Capital One card for 3 years and haven't had any problems with them hardly until Covid hit. I thought they were helping me out but because they don't accept payments on Sundays which is ludicrous. My payment was made on time but was pushed to the next day and a past due fee was assessed. You all need to be ashamed for charging hardworking and dedicated people who pay their bills on time although we might not have it. After I pay this card off. I will be closing my account. I'm very disappointed. I spoke to 2 managers and they were no help and the manager today stated I will never be refunded that past due fee although I've been on the Covid repayment plan since March 2020.

I just paid off my credit card balance for $ 5274.90 on the computer, and Capital One hit me for interest with a bill after the fact about a week later in the mail. I called the customer service # and got Yolanda, I.D. #**, at the Richmond, Virginia call center. She was anything but helpful when I asked to have the interest of $ 40.54 removed since I just paid the bill. She indicated that I should of viewed the bill online before I paid. I explained that I did. This company does not look out for the people, just for itself. One of the job requirements must be to always say no to the customer. Whatever happened to customer service. If somebody higher than the service ctr reads this please feel free to contact myself, but I will not hold my breath....

Imo Capital 1 provides provisional credits to placate customers. They have no intention of contacting the merchant or any follow up. I was a customer for years. The interest was high and they wouldn’t reduce it similarly to other cards for more than 12 months. I had to complain to several authorities in reference to a cc payment linked to a bill. I received my money with zero assistance. At any rate my credit has greatly improved and I have options. Use this card to build credit. Pay the bill as soon as they post to your account. Other than that don’t apply.

$30,000 was my credit limit. They dropped it to $10,000 saying it wasn't used enough. Blackmail? I said this lowers my FICO score. They said it would not. It did. By the way every month I paid my balance in full.

I paid my balance in full 11 days before my bill was due. Then they charged me interest on a 0 balance. I called thinking that this was wrong to do to a customer. I opened my email thinking this was to tell me it was paid in full to find out I'm charged interest because I didn't pay my balance in full the month before also. If I hadn't opened that statement I would not have known the bogus interest charge and they would have charged me a late fee and reported to the credit bureau. The first lady I talked to acted like my being a loyal 18 year customer did not mean a thing. They were willing to lose a customer over $7.42! So I asked to talk to a manager and after being on hold for 20 min, I received the same treatment from her. Neither one blinked an eye when I said I would close my account.

Capital One are thieves, I never in my life had to deal with a company that will take your money and say it's your fault, and then try and give you not even 1/4 of the money back for their screw up!!!! I will never go back to them... I closed my account... I'm done... Thieves!!!!

I have had a Capital One Spark Business acct for many years. I always paid on time and never exceeded the limit. Now in the middle of this Corona virus pandemic, out of the blue they reduced my credit limit in 75%. They have no reason to offer and say that I cannot request an increase for 6 months. Now I've got to go elsewhere. If you have good credit, don't waste your time with this company.

I've had my Capital One card for over 10 years. Filed a dispute on a rip-off artist that disappeared, said the job was done, but turns out it wasn't even close. I could not verify because I am 600 miles away. Filed a dispute, thinking I had protection. On hold right now, and my dispute has been closed twice already, saying it's valid. The company web site has disappeared, their phone number is disconnected, and they won't respond to e-mails, yet Capital One has yet again told me to "contact the merchant and work directly with them." I made it very clear in the last round that I have been defrauded, and this merchant has disappeared. I am sick to my stomach. I would have said 6 months ago I was a satisfied customer. It just takes a situation like this to understand they are not really standing behind their customers.

They offer to open an online account and get $100 after spend $300. I opened an account, submit my docs, transfer the balance and they froze my account. Since it doesn’t have any branch in Florida, I can’t get the money back. Capital One stole my $300.

I reported a fraudulent transaction on 7/31/2020. Then on 8/01/2020 Capital One Bank approves another transaction to same party and if that isn’t enough, they approve another transaction on 8/04/2020. The first transaction should have been detected by financial fraud detection software and there is no excuse for the approving the subsequent transactions. Capital One refuses to overturn the fraudulent transactions without explanation.

Yesterday I paid my credit card bill so I can have funds available today. It was just four hundred so when I learned they put a hold on my funds. They was never able to explain why they was doing that.

I had a dispute with a merchant, where an unauthorized family member used my credit card. Capital One admitted to giving me incorrect information and did NOTHING to assist in my dispute for $3000. THey gave me the run-around, delayed, and then said I should have filed a different type of dispute, but because I filed one kind, I could not file another. Legitimately awful.

We have been with Capital One for 15+ years using checking, savings and 2 credit cards. Recently we wanted to purchase hearing aids for my wife's father at Sam's. The cost was nearly 5k. The charge was flagged for fraud! While in line after the first attempt, we called Capital One and the representative had us try 3 more times with the same card while they were on the phone with us. It failed each time. Capital One then informed us that because we tried 3 or more times that the flag could take 1-2 weeks to get removed. So I tried my other card and it was flagged. I had to call Capital One again and while on the phone, I had them fix the issue.

The executive offices have to be the worst hands down with customer service. They will respond to a complaint but not give their information so you can’t reply. They refused to admit when they mess up!

Anyone considering getting a card from Capital One, consider other alternatives. The CEO doesn't respond to emails, and they put 9 day holds on your available credit after a payment is made. Go with Discover or Chase. Those creditors make business decisions that make business sense. Capital One...DOES NOT. Richard Fairbank is the current CEO and he clearly has zero initiative focusing on Consumer Experience. Their board of directors should really just vote to force him out because he doesn't care about Consumers.

My credit score on all 3 credit bureaus are above 750+ with years of on time payments (Mortgage, credit cards, Food Truck Finance, Wyndham Time Share), making plenty $ a year and was not approved cause what, The COMPUTER system said so. Then I call to ask why I was not approved and nobody knows why???? It a joke. That credit card should be the easiest to get knowing everyone in the world shops at Wal-Mart. It's was a waste of time and a inquiry on my credit???? I will never in my life time apply or deal with Capital One again.

I had been with Capital One for years before the 360 checking... I requested a new debit card be sent to me because my son was taking advantage and being careless with his Playstation account so I called and they wanted me to dispute it. I didn't want to do that. Just give me a new card. Well I requested a new card a few times then finally went to visit my local bank to see if there was a mistake. They said since I opened an account before they started making changes and did not have a 360 checking account that they could not issue me a new card and that I had to call again the same number and speak to someone there.

During the pandemic we haven't done much at all. 2 vacations canceled. Meanwhile Capital One cuts my credit line 33%. Are they serious. Doesn't this show they don't give a damn about people. Serious advice: STAY AWAY FROM Capital One!

There was an article in Forbes that Capital One understands that there are complications with the pandemic and sabotaged postal service so they're giving customers some leeway, but that's not true. After paying my bills on time for 20 yrs, I've been penalized for not paying a bill I never received. The postal service claims they delivered it, but it wasn't delivered to me. I've paid on time for 20 yrs and I'm penalized for something I can't control. Capital One lied. They're not helping anyone. They're using a national disaster and failing postal service to get more money from their customers, even ones like me who have paid bills on time for 20 yrs. Aren't they rich enough already without screwing their customers in a time of crises.

My available credit was cut from $9000 to $2000 overnight with NO WARNING! The reason? I wasn't using enough of my credit (My card offers no incentives at all and has a high APR so it is not my go to). So good financial behavior is only punished with this company. I have a $400 balance on this card which means that my credit usage went from .04% to 20%! This will impact my credit score significantly...because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit. And they do this to people, with absolutely no warning, in times of a PANDEMIC when many people are living paycheck to paycheck if they have an income at all. Capital One, you are a terrible company that has no regard or compassion for your customers. Shame on you! You will never make another penny off of me. You lost a long standing customer today and with this type of behavior, you're only bound to lose many many more.

We have 2 company credit cards with Capital One and pay in full every month. I scheduled my payment a week in advance and clicked on the calendar provided by Capital One for the due date. Apparently the due date was 2 days off and now we are being charged a big interest amount. I asked for the interest to be waived as this is a system error with Capital One and they will not waive interest. They can clearly see I pay the balance in full every month. I will be taking our credit card business to Citi bank who also has cash back rewards.

Capital One is a horrible company. We have perfect credit and a perfect payment history with Capital One (and well, everyone else as well). They will lower your credit limit for low usage and then when you call to see what can be done to raise it again, they will tell you absolutely nothing. That is, there is no path of usage that will get the limit reinstated as far as the supervisors can tell. There is nothing they will tell you that you can actually do to get your card limit raised because it is a secret. Furthermore, the customer service supervisors are rude, unhelpful, and clearly do not care whether you are retained as a customer or not. You should use absolutely ANY other credit card company on the planet besides Capital One. They are about as bad as a company possibly can be.

I have had an account with Capitol One for 13 years. Today, I received an email stating they were lowering my available credit limit by almost half. I telephoned customer service and was told it was lowered due to recent lack of activity. I informed her that because of the pandemic literally no one was traveling or making large purchases right now. I informed her that I had a vacation planned next month and I needed the previous limit restored. I was told that nothing could be done. That I would have to apply for an increase in 6 months. Which would certainly cause my credit score to be lowered. Typical corporation/big bank. You spend loads of money with them and never late on a payment and you're treated like this. I'll be switching credit card companies and closing both accounts with capitol one. I would not recommend this company to anyone.

I applied for and received a Cap One Quick Silver card for foreign travel for years ago, since it doesn’t charge foreign transaction fees. I have used it only occasionally in the last couple years, but had planned to keep it for upcoming foreign travel or as needed. I’ve never had a late or missed payment, and my credit score varies between excellent and very good. Whereas other banks have increased my limit over time and offered incentives for me to keep using their card, Cap One has decided to reduce my limit out of the blue for no reason besides my reduced use the past year or two. The The decrease in limit will affect my credit score, and with a new 5k limit total, it’s a waste to even hold on to this card at all. If any of my other cards waive foreign transaction fees, I plan to close this account out.

Can you imagine that I've been with Capital One for 14 years. Not once missed a payment and ALWAYS paid my bills on time. My credit score is 800+. Yesterday I received an email from Capital One stating since I haven't used my card at a high balance, they have made an irreversible decision to lower my limit from 30,000$ to 5,000$. I promptly called customer service to say why would they make such a decision without notifying me that they needed me to spend more money for a higher balance or my credit would be reduced. ZERO professionalism nor loyalty since this 25,000$ credit reduction directly impacts my perfect credit score. I am livid! I canceled my 14 year relationship with Capital One and will NEVER use them again!

I had two credit cards and every time I called regarding a problem they would either hang up on me or just put me on hold for at least 20-30 min then hang up. I have been treated like this by any bank before. I closed one of my account and keeping the other and the only reason for it is because it's the oldest credit line I have. I would not recommend this company to anybody. You are better off with Amex, Chase and others. Stay away from Capital One.

Hi. Capital One is a scam company. They are rude, unprofessional and fraud. The only reason I am with this company is because they are affiliated with Costco. They disconnect the calls, rude to clients, put your clients in restriction without your information. They are fraud. Please do not open an account with them. Stay Away.

Their customer service is basically non existent. There is nobody to talk to that is interested in solving your problem. Everything is automated. If you're not happy with something, tough luck. I had three cards with them before I got fed up with their lack of interest and respect on treating a customer.

Capital One cashed a check that was not paid to them! I wrote a check to myself using online banking; for some reason, the check went to a PO that belongs to Capital one. The check was under my name, not Capital One's name. After investigating the address, and see the endorsement on the check, called Capital One, after being 3 hours on the phone, they found the check floating on their system. So far, they have not returned the money. Big burglars! I bet you, if any of us do that, we will be charged in the court of law.

I have been with Capital One for decades. My local bank has always provided me with good service. The tellers and the bankers at the desks have almost always been very helpful. I have never had any problems with unfair fees, and on the very rare occasions that there have been mistakes by the bank, they have always been corrected, and usually immediately.

I had applied for a Capital One secured credit card on or about 7/1/2020 that in which required a opening security deposit of a minimum of $99 in which I paid $100. So Capital One gave me a $200 credit limit for my $100 opening deposit. I had made two separate purchases for fuel totaling approximately $50 that I had paid the following week to bring my owed balance to $0.

My boyfriend got me a new phone for my birthday and long story short I can't use my account for 4 to 6 weeks to verify my number even though it's already associated with the account since my name isn't on the plan which has never been a problem before or I can just shut down the account. Don't bother with the institution. They don't care about customer service.

I will start by saying I do have a Capital One card currently. The issue I just experienced was a bit annoying. I was sent a prequalified offer for a second card. I’m new to credit cards and didn’t understand why they sent me another offer because I already have a credit card through them. I did some reading and apparently you can have two cards through Capital One. I thought it would be good to accept it because I’ve been carefully working on building up my credit score and a second card would lower my credit utilization. Anyway, I decided to go to the site to accept the offer and was declined. My credit health is a lot higher than it was when I got my first card from them. I don’t see how it was denied, but it was and now I have a hard inquiry on my credit report for nothing, which is upsetting to me. Be wary of accepting a second card offer from them.

Capital One has the best interest rates on savings accounts. Their website & app are very easy to use. All of my banking can be done from home, including opening new accounts & making new investments.

After 21 tears as a flawless customer, today arrives an e-mail telling me they have arbitrarily cut my credit line by 75%. When I called to complain and seek a restoration, they said they could do nothing, refused to connect me to a manager and could not even process a final payment to bring the account to a zero balance. Don't even try to connect with their corporate office because they don't want to deal with customers at a non-existent executive complaint function. Fortunately I have other credit cards that don't treat customers as though they are an inconvenience rather than a necessity to staying in business. I have closed the account altogether and will certainly discourage colleagues and friends from ever doing business with Capital One.

In these times, a bank that is specialized with communicating a lot with their customers online is a bonus. Their credit cards have a nice bonus percentages. In some big cities they have an office combined with a coffee shop...lovely.

Always resolved false charges to my accounts rapidly and temporarily put the funds in account within 2 days while in resolution. Always permanently resolved in 1-3 months. Replaced my cards in days after suspicious activity. Increased my daily funds if I needed extra cash from an ATM to an amount that I needed.

Capital One bank offers several offline and strictly-online accounts, some with zero fees. Online transfers between accounts and banks are easy. Customer service is good, but on their site they offer no way to contact them by email! One has to call them. In this day and age of coronavirus, that is absurd. Also their site can be slow as molasses sometimes, which usually translates into "We haven't paid any attention to our servers in a few years".

Today was the second time in the last few months my credit card was turned off by Capital One for no good reason. I found out that this time it was turned off was because whenever you update your personal info, the card is flagged and it is shut off until you take a photo of your ID and email it to them for a 7 to 10 day review. This makes the card useless to me since I can't rely on the card to be active when I need it the most. As much as I explained this to the Customer Service Department, they could care less, defaulting to reading company regulations. I now use my Navy Federal Visa exclusively and didn't bother reactivating my Capital One Master Card.

I appreciate Capital One for acknowledging me as a person and not just one of million of card holders. You know how it is when family can base your character on your past. I had a horrible year 2019, car accident, therapy, etc. so I had a difficult time keeping up with my payments, two out of 3 cards were restricted, including my precious biz card that I worked so hard for. I've had these accounts for approx 5 years or more in good standing prior to 2019. Different than a couple of my other card companies with the same history, same faithfulness, they didn't care, immediately sent my accounts to collections. My good score plummeted over 140 points to 540. Capital One did not leave me high and dry. I called in and the CSR told me my accounts were restricted. I had no idea what that meant, but after talking more with her, it was over, a done deal with the credit.

I have had a Capital One card for several years. There are no annual fees, it earns at least 1-3 percent cash back on most purchases, doubles the warranty on several items for up to another year, and includes travel insurance when purchasing airfare.

HIGH INTEREST RATE 19.5% with 710 c r. CUSTOMER SERVICE Can’t understand!!! No benefit to this credit card or ANY!! OK. CONSTANTLY PLAYING GAMES with weekly c r!! Very skeptical about method of applying finance charge.

Most recently used my card for vacation a few years ago. Booked my hotel, airlines, auto, and meals and entertainment on this card. NEVER had a problem! Would highly recommend Capital One. Increased my limit in less than two years!

I like the company always take care of my problem. Gave me a credit increase from paying my bill on time. Also very nice customer service and professional. I would recommend to all my family and friends and anyone else who would hear me.

In order to avoid a late fee on my card, I called Capital One customer support line to make a payment using their "check by phone" option with a CSS. The young man took my information including my bank account number and a check number. I authorized the minimum payment due and hung up. The next day I started to get pings on my phone about checks that were bouncing out of that same account. Puzzled, I checked my balance - it was ZERO! The CSS took it upon himself to make another payment using their "check by phone" option and drained my checking account that should have had over $500 in it! I immediately went to my bank and they froze my account to investigate the check fraud this person committed.

I have been a consumer of Capital One for years now. The thing I don’t like about them is their security is too good - I can’t even access my own account at times. I have been denied for purchases on many occasions.

Well, I'm a Capital One credit card holder since 2007 'til present. Love the unlimited rewards I have, I will also like more option for stores to redeem the point. Is not much to choose from, add more stores to have more options to redeem the points. Thank you.

Capital One is very good at notifying me of charges above the amount I designated and they've also been helpful when a charge appears that I don't recognize. Staff is friendly and every issue I've had has been resolved to my satisfaction. As far as fees, I pay off whatever I've charged every billing cycle, so I don't have fees. I use my rewards miles to credit my account and that's always a nice bonus. Overall, a good credit card.

I have had my Capital One card for a few years now and they have responded whenever I have an issue in very positive ways. I appreciate their service and getting on the phone with them is very easy.

I had applied for a 0% Transfer Fee from another Credit-Card debt elsewhere, while immediately accepting that while including a 1yr 0% interest including 12 following months. But their advertisement was clearly FALSE, while including that Transfer Fee and only including 0% entirely for only 6 months while still never caring about their False advertisement!

I have been with Capital One for 19 Years. I have been very satisfied with their service and rewards program. I would recommend them to anyone looking for a great card company and flexible reward program.

Always helpful when I have a question. Fairly easy to get through. Not sent to an overseas operator. I got my card through my union and it has good perks. Willing to work with me on several situations.

I had an experience where my card was stolen and a representative reached out to verify my purchases and it was at that point I realize I didn’t had my card. She was very helpful in assisting me with addressing the issue.

With this Covid-19 pandemic many of us have found our economic circumstances to become at least problematic. I have had to communicate with Capital One about it. They have been gracious, supportive while remaining professional. I appreciate that.

I have been using this card for quite a while and have had no problems. I like that they give dollar value for points when using any airline. I do not have any charge for this card. I would recommend it.

After I stopped adding or withdrawing funds in my savings account they took my money without warning. They sent me 22 documents (18 statements, 3 letters saying it was closed and a closure statement) but didn't warn me of closure "because it's not legally required".

Capital one has ease of app to complete all transactions and includes credit score monitoring which is a big plus in the times we live in today! Also offers cashback on purchases and low-interest rates! I would highly recommend this card for anyone.

I’ve been having Capital One since I started working and I’ve always wanted to build my credit and I did it with them and they are very understanding about everything and I would definitely recommend and if I had loan I would love it also.

I interact with the online access, it is very easy to use and informative, everything that one could need from customer service is available a click away within the website. They have an excellent customer protection from fraudulent charges on the account, rapid and efficient response.

Capital One is not a very good company for customers. They aren't willing to work with you if you have issues with your bill. The annual fee is much too high for the level of service provided. I wouldn't recommend it to anyone.

I have three Capital One credit cards -- a MasterCard, a Visa (used as a backup when I travel) and a second MasterCard. I got the second MC because it gives higher rewards for grocery and restaurant purchases. Occasionally, I have had problems, such as fraudulent charges. Calls to Capital One have solved them immediately. Their customer service reps are knowledgeable and extremely courteous.

Used the card for many years, generally positive experience. Not really sure if I'll continue to use Capital, might be looking for a change. Like that I can use my rewards when shopping at Amazon. All in all, it has been a mostly positive experience.

It has been in the news that credit cards are offering assistance when it comes to being impacted by corona virus problems. It would be nice if they would waive the fees during this period of crises, but they are not willing to do so. Some other cards are doing this. It makes me not want to deal with Capital One anymore.

I think a person who has a bad attitude is reviewing these auto loans. I have a Capital One Credit card in good standing. I have been a customer for two years and have never been late. My credit score is 620 and I wanted to apply to get a used car. Nothing expensive or anything. I have lived at the same address for 8 years. I have several credit cards that are in good standing and I was turned down. The reason they gave was too many inquiries and not enough credit history.?? Three years is not enough? And I have a vendor that is coming off due to I was a victim of fraud. I believe if you already have a credit card in good standing they should at least give their customers a call and go over why you're being turned down and let the customer give an explanation if possible. Just don't stamp in big letters DENIED.

I have been a client of Capital One for years. Their business model is impeccable. The card is recognized wherever I go be it local, national, or international. The fraud department is quick to resolve any issues I might encounter when using this card. Also I get text message alerts if something doesn't look right on a purchase I made. Use the rewards program every year for my trips which helps greatly as I am a Senior Citizen. Throw away your other cards and Get Capital One.

We are very happy with this card. We pay our balance before due, and never have interest charges. We don't use ATMs. We have no fees. We get cashback on every purchase. If problems arise, they are settled ASAP, even if we made the mistake.

I initially got this credit card because it offered an 18 month interest-free promotion. My grandson needed to get laser eye surgery for a job he applied for at that time last year, and the service provider required a cash payment of $4,000.00. The card was the perfect solution for him to have the surgery. My grandson got the job after he had the successful surgery! I also chose this card because I frequently travel abroad. The card does not charge international transaction fees for purchases made out of the United States. The card also offers 1.5% cashback on purchases. It's the perfect card for me.

Capital One has the best overall value for a credit card. In addition, their customer service is world class. I feel that I’m getting incredible value in comparison with my other credit cards. I’m a happy customer!

I have been with Capital One for 15 years, that has to say a lot for that company. They are always quick to solve any issues, always great customer service people, always very up to date with their information.