website thubmnail of Capital One
How would you rate Capital One?
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California
1 review
1 helpful vote
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Don't trust them
December 14, 2022

Don't trust them, Condor Airlines didn't charge me anything. Cathy is the fund manager and is very unprofessional and rude. She was trying to screw me and they wouldn't give me my money back. I want my money back.

Date of experience: December 14, 2022
California
1 review
2 helpful votes
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Disgusted
February 21, 2022

If I could give them zero stars I would. The employees have no idea what they are doing not do they know how to provide CUSTOMER SERVICE! I tried to pay my credit card off on 3 different occasions only to get the run around that I have $. 15 in interest that I still need to pay in order for my account to ube at a $0 balance. This entire order is way to long to post so I'lljust say in the end no one would waive the. 15 even tho I am showing a zero balance. I'm just disgusted that a company this big would actually do this shame on capital one

Date of experience: February 21, 2022
New York
1 review
4 helpful votes
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Very bad.
May 3, 2023

I mailed Capital One check to MetLife to pay the Insurance, Met life did not receive it, But the check cashed on on Jan 9,2023. MetLife need me to show them the copy of the returned check, I got the copy, but the back check did not show any deposit information, no Met Life stamp in the back of the check. I called Capital One twice, they don't know where the fund deposit to. They don't know how long it will take to find out. I repaid MetLife already. 2 months, still no response from CapitalOne.

Date of experience: May 3, 2023
Virginia
1 review
0 helpful votes
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Terrible customer service
November 22, 2023

I ordered a product on September 7th never received the item. I contacted capital one on October 7 to dispute the charge originally they put a credit on my account then the contacted the company the company sent them a copy of the order which clearly showed the item was never shipped and no date to be shipped. So with that information capital one put the charge back on my account and sent me a letter stating the item was as described and received in good condition. I contacted capital one and ask what the heck was was going on but no one had an explanation. Basically you are on your own. They ask me for more information I explained to them they had all the information but wasn't interested in helping. I haven't closed the account but will never use it again.

Date of experience: November 22, 2023
Texas
1 review
2 helpful votes
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Rip off
September 8, 2021

I paid my card off in Full, 3 months ago. I got an email saying I needed to make a payment. I checked the account, that has been closed, to see why I had a payment. I accidently left a dollar on the account, had no idea. Capital one charged me $80 in fees. I was told it was because I had a $1 balance. CS took off 4o dollars only after I had made a Huge fuss. They then turned around and reported me for being late to Transunion causing my credit report to fall by 6 POINTS... All this for $1. STAY AWAY FROM CAPITAL ONE!

Date of experience: September 8, 2021
Illinois
1 review
0 helpful votes
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Total waste of time!
September 23, 2022

Capitol one was recommended from a family member to help my credit score. I tried 2 times to make my payment and was advised after the 3rd time trying that my account was closed and capitol one wasn't even the company that informed me experian alerts went off and I checked sure enough card canceled. I was told on the phone that I had too many attempts and my account was marked as fraud! They take forever taking the money online to make a payment and didn't say a word to me about multiple attempts potentially causing my account to close I will never recommended them to anyone and will take my business elsewhere. If I could give zero stars I would have! F@$% you capitol one!

Date of experience: September 23, 2022
California
1 review
0 helpful votes
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Chat box infuriating.
February 13, 2024

Capital one insists on using chat boxes that cant solve problems. I wanted to negotiate my membership fee. The bot did not recognize my creditvcard number either verbally or keypad then hung up. I tried different methods to reach someone that could help. Same bot. Finislly i called banking received a person they transformed me over to credit card. By this time i no longer wanted Capital one Cards. So it took me another 30 minutes to cancel the cards the rep was nice but had no power to do anything but read what was on her screen. I closed both accounts and want nothing to do with Bots or Capitalone one. Btw the website wont let you cancel cards. So it takes 5bminutes to be approved and 2 hours plus 2 weeks to close. Cheats

Date of experience: February 13, 2024
New Jersey
1 review
0 helpful votes
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I tried to log in from another state to pay my bill and they'd only verify me via a home number I have on file so my payments was late and they wouldn't wave the fee. Now I owe late charge due to their system that doesn't have secret questions and email options for recovery. Let me add that if you don't pay by 8pm on the day your payment is due it's considered late as opposed to every other cc company that goes up till midnight (,Days sint end at 8pm). Ripoff shyster company designs it's policies to bleed the consumer

Date of experience: February 20, 2024
Florida
2 reviews
0 helpful votes
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Customer Service told me if I upgraded to a venture one card, there would be no annual fees. Than refused to remove annual fees. They were almost flip about it - their reasoning was the fees were on the account (10 days) before I switched to a venture one card. I WAS a long time customer. Always timely, usually full paid. I cancelled the card. After they did that they told me a late payment might still show up, if the fee was not removed before the due date - this company is FRAUDULENT - if you have any other options, DO NOT USE THEM.

Date of experience: April 8, 2022
Virginia
1 review
0 helpful votes
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This is the second time I've wired money with capital one needing the money to arrive ASAP but capital one waits until the very last seconds of the business day to process. I have sent wire transfer with my other bank that took 30 minutes to process and is received within that timeframe. When I question why they take so long to process wire transfer compared to other banks, they don't have an answer for me. Their only answer is they have until 6:45pm EST to process. It shouldn't take the entire business day to receive a freaking wire. They are horrible!

Date of experience: October 3, 2023
Turkey
1 review
0 helpful votes
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Not helping people
October 8, 2023

I was really very satisfied with capital one until I canceled my card due to a money transfer from my account. That's when the bad dreams started. My new bank card that they sent to Turkey has been missing for 1 month, there are no withdrawals and no remittances without a card, different applications receive commissions. There are barcodes in telephone banking in general in the world, but there is also no capital one. They don't know which postal service they sent the mail with, there is no tracking number. I have been begging for money from everyone for a month and I have been calling the bank from Turkey. They transfer it from one person to another, and sending a link and taking a passport photo makes me go to hell. I've taken it 50 times and the one I sent says it was successful, but their system görmüyor.ve it closes after 45 minutes without a result, leaving me with a high phone bill.

Date of experience: October 8, 2023
Texas
1 review
1 helpful vote
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This company is not friendly to customers. I called in at 8:30 PM CST and they would not put the payment through that day, and charged me interest and late fee for the entire month. I made my payment on the 20th, and they chose not to run the payment through until the 21st. I asked for the fee to be waived, they said they could not do so as it had been waived before. Yes it was when I called in over 12 times in one night to make a payment and their system was down. Also, you will get a rep in another country who reads off a script. And when you ask for an address to write the escalations dept, they refuse to give it to you. One other thing, you have to talk to them on a recorded line, but when you say you are recording them, they disconnect. Hmm?

Date of experience: August 1, 2022
New Jersey
1 review
0 helpful votes
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They only issue monthly statements if there is activity, otherwise it's every few months. For our savings acct (which held our down payment), there was no activity thus we couldn't easily satisfy lenders needs for proof of funds. We had to call and spend ton of time getting a "one time courtesy" special statement, which still wasn't adequate for lender. Lender is triangulating with screenshot of transaction history. All this to say we will be very happy to no longer have money at Capitol One. Much too difficult to use when buying a house.

Date of experience: June 20, 2023
Oklahoma
1 review
0 helpful votes
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Worst customer service
September 15, 2023

Called a month ago and cancelled my card spoke to a non English person who told me everything was set. This month I get another bill so I called and got some upitty supervisor who didn't do anything but tell me it was my fault so I asked for his boss and he said her name was Pam but he wouldn't let me speck to her or give me her number. Keep telling me he knew how to do his job but would not cancel my card. I'd like for Pam to call me.

Date of experience: September 15, 2023
Massachusetts
1 review
1 helpful vote
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Locked account
April 29, 2023

So I got my car stolen by my wallet in glovebbox the theifs thried to access my Capital one account to no avail but capital one lock my account down called them verified it was me worst customer service ever got called a liar hung up on to I can't have my funds only way is to go to branch how is that even possible w no car the idoan speaking reps don't understand what stolen means word of advice stay far far away from them I will be so frustrated.bad experience from get go closing all my accounts n going to a normal bank after being a loyal customer yrs hey capital one screw u!rude as hell

Date of experience: April 29, 2023
New Hampshire
1 review
1 helpful vote
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I have been a long time capital one customer with three cards I got an email saying my account was closed I called and was told I'm not utilizing the credit I have never missed or been late on a payment in ten years and always keep my balance low avoid capital one they are unethical corrupt crooks

Date of experience: December 9, 2022
Massachusetts
2 reviews
1 helpful vote
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They like to take more money out than what you have signed up for for autopay. I pay 133 every month then randomly charged 825 and they could not give me to reason why and told me they couldn't give my money back and that I had to call my bank.

Date of experience: July 6, 2022
Texas
1 review
2 helpful votes
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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 came straight out of my own pocket. Don't use any services offered by these people! Again if you're a veteran stick to Navy Federal, USAA, PenFed! They'll give you higher credit lines and they actually respect you! If you're not military then go to Sam's Club and apply for their master card! Another non military option is the Upgrade credit card. They each have higher limits and they don't cut your card off without speaking to you to rectify the issue! Capital One is not reliable and how they treat their customers should be illegal.

Date of experience: July 13, 2024
Tennessee
1 review
1 helpful vote
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Been using Capital One credit for over 10 years and always paid my dues, I had one hardship and was put one a program until I was able to repay my debts which was $379.56, The worst decision was to ask for this program, I didn't want my credit to go down, So every month until I paid them back, this company reported to Experian, I was derogatory in my payments and my score went down even when I was paying the minimum they gave me to pay, Long story short, I paid them off and closed my account! Never again will I accept another offer or give a 5 star rating to this company, I was highly disappointed and I learned a hard lesson, never trust people you never met just because you been paying on time, hardship mean low credit scores from this company and bad reporting even when you ask for help, just don't ask! I seriously truly hate this company

Date of experience: March 4, 2024
Canada
1 review
2 helpful votes
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Be careful they Lie
January 7, 2022

They say it will not effect your credit, first lie. Second lie is when they say you are pre approved. This company preys on the vulnerable and under delivers. Steer clear of these crooks

Date of experience: January 7, 2022

Overview

Capital One has a rating of 1.5 stars from 964 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with Capital One most frequently mention customer service, credit card and bank account. Capital One ranks 69th among Banking sites.

service
591
value
554
quality
559
+93