website thubmnail of Capital One
How would you rate Capital One?
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Florida
3 reviews
5 helpful votes
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They a theft
September 15, 2023

This is the worst credit card company ever they a thief I regret that's the credit card I sign up with. They nothing but a thief my balance is 2000$. 76$ minimum fees and I pay a 300$. And the minimum was 76$. And they still charge me a 50$ some they such a scammer I purchased for 26$ knowing I was going to pay them back today due to after i pay them and used it and they still charge a whole 50$ some capital one is nothing but trash and they have the audacity to offer me more credit card and loan Y'all must be crazy

Date of experience: September 15, 2023
GB
1 review
0 helpful votes
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After being accepted for a credit card, with a $30k limit, I used it to charge for about a month. No problems. Booked tickets and traveled to a foreign country. Again no problems... For a few days. Then it stopped working. No notice, just stopped. App and account just showed "restricted." Called to get the restriction lifted, thinking they'd flagged a foreign charge as fraud (with no way to tell them I'm traveling, they claim it's unnecessary), and they want: copies of passport, birth certificate, SSN card, utility bill, and more, all while I'm traveling. Non-negotiable; they cannot accept anything except all those documents. Capital One was perfectly happy to strand me in a foreign country with no credit card, despite having worked and processed charges for over a month, and several days of traveling. DO NOT USE.

Date of experience: July 14, 2024
Canada
1 review
3 helpful votes
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My card with them expired in January and they said a new card was sent in October. Called 4 times and was told everytime new card was being sent which it finally is after 4 times. However, they damaged my credit by doing a credit inquiry as a new account when I've been a cardholder for 8 years. Incompetence and poor service are trademark for this company. They also tried informing me there is no way to file a complaint which is also another example of their poor service.

Date of experience: April 28, 2022
Georgia
1 review
55 helpful votes
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Worst customer service I have ever had the displeasure of dealing with. For over a year I thought my title had been sent to my new state. It wasn't. So my tag expired and I got a ticket because Capital One uses a call center with morons that can't understand English. Today I called about the title and the idiot on the phone asked "you need make payment?" What a horrible excuse for customer service. Even if your life depends on it, do NOT do business with Capital One.

Date of experience: November 9, 2021
California
1 review
4 helpful votes
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I get all this junk mail from Capital One. I used to have one of their cards, but I thought their customer service was lousy and the APR was higher than my other cards so I ditched it. They keep sending me crap. Capital One = thumbs down.

Date of experience: April 10, 2011
Utah
2 reviews
1 helpful vote
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Liars
September 12, 2023

Im tired of talking to customer support and their canned responses that are lies. "We want to keep your money safe, so we can't let you access it through Zelle." What? That means none of my money in the account I just logged into in order to access Zelle is safe!

It's a lie. I can't tell you how tired I am of "safety" being used to advance self-interest. Just say -- "can't help you." and leave it at that.

Date of experience: September 12, 2023
California
1 review
0 helpful votes
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I applied for a capital one secured credit card about three years ago, recently asked them to bump up my credit amount mind you I have made all my payments on time. And they responded that I have insufficient credit history.Thanks Capital One where is my $100.00 deposit?

Date of experience: August 14, 2023
Massachusetts
14 reviews
5 helpful votes
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CapitalOne is one of the best cards I have for long time. The customer service is really good and quick always helpful. And it's security is good. If they see any suspicious transactions they call you right away or block the card, I only had that problem once. Recommend to everyone.

Date of experience: December 28, 2015
Virginia
1 review
0 helpful votes
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Bumms
March 3, 2023

I had to delete a checking account because it was hacked.
After being informed of a payment error, I resolved it within 2 days. That was not good enough for them!
After 10+ years, they couldn't waive the 40 dollar fee.
I don't like dealing with ppl like that. TOO GREEDY!

Date of experience: March 3, 2023
Texas
1 review
0 helpful votes
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Absolutely worthless
December 19, 2023

Filed a fraud dispute, followed the directions for their "investigation." Took less than a day for them to deny it all and tell me to work with the merchant that gave me fake products. Worthless as far as fraud protection. Thanks for wasting my time.

Date of experience: December 19, 2023
Texas
1 review
1 helpful vote
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Capital One's dispute department is a joke. I had recorded phone calls as proof of my attempts to resolve the issue with the merchant (Vroom) and Capital One told me they could not use them. The last straw for me was when I spoke with a fraud and dispute manager named Shane who told me (after I mentioned that I record all of my phone calls) that if I did not say aloud that I was no longer recording the call, they would disconnect. This was even after I reminded them that Capital One's greeting states that all calls are being recorded and monitored. I will never do business with Capital One again.

Date of experience: May 8, 2022
Ohio
1 review
0 helpful votes
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Paid my balance in full then was sent a bill for interest. When no one told me I would get another charge after account was paid off. Set on hold for 30 min and was told by rep and senior leadership they couldn't help.

Date of experience: June 14, 2022
Florida
1 review
0 helpful votes
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CD interest rate
August 30, 2022

I opened a CD account with Capital One because they had a better rate than other banks. They had some technical issue at the time and I couldn't fund my CD. A couple days later they asked me to open a new CD so that I could fund that one because the first one would not be able to funded EVER. So I went ahead and follow their instructions. Since a few days had gone by, the rate had changed. They assured me that they would honor the old rate. Well it's been a month an a half since then and all I'm getting is excuses as to why this hasn't been resolved. It's extremely frustrating when customer service gives you the line as if they were a government agency. HELLO capital one! You're a private company and we have choices, if you don't fix your ways, we will go elsewhere!

Date of experience: August 30, 2022
Florida
1 review
0 helpful votes
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Double Billed
March 2, 2023

I purchased airline tickets using CapitolOne. Two charges for the same purchase appeared on my statement. I was unable to contact the airline so I turned to CapitolOne. They asked for information on both purchases and I told them I had none on the duplicate purchase but a conformation on the flight I had booked. CapitolOne then sent a form to be filled out which I answered completely to the best of my knowledge. Almost immediately CapitolOne issued a reply letter stating I did not provide the information wanted They were no help resolving a costly financial issue.

Date of experience: March 2, 2023
Florida
1 review
0 helpful votes
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I have 3 capital one credit cards. If you make a payment online for one card, and go to the next card, the balance and info for the other card shows. On one account, they charged me $40.00 because they said I was $4.28 short of the minimum payment on one card. Yet, I paid like $400 on another account. It was a simple error.The Senior Acct Manager I spoke to said "Oh sorry, he can't issue a waiver. He's the highest I'm going to get in terms of management." Capital One is publicly traded, and this is the response I get? Rather than being helpful this man was antagonizing and condescending. It's not acceptable. I don't recommend Capital one at all!

Date of experience: August 29, 2023
Louisiana
2 reviews
1 helpful vote
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Purchased a product from a vendor that was not made like I asked and after sending them text messages and photos of the item they still did not issue me a credit and sided with the vendor even though the item was clearly not what I asked for. I waited 4 months and threw away $425.00. I guess they prefer me to keep the item so that I can continue to pay them for it. Customer service person just talked in riddles and asked me to submit info I already submitted. The first customer service person asked me to hold for almost 5 minutes only to hang up on me so I had to call back. I do not recommend this card and sorry i applied for it. I no longer want this card and will do my best to pay it off and not use it (Capital One Walmart Credit card)

Date of experience: June 17, 2023
Massachusetts
1 review
1 helpful vote
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Capital One recently took over two of my reward credit cards from other providers and messed up one account so bad (and refused to do anything about it) that I ended up cancelling both cards. I am recommending to everyone I know that they should cancel the Capital One cards in favor of any other card out there. Capital One is the worst.

Date of experience: March 7, 2023
Colorado
1 review
2 helpful votes
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As much as the card advertise less spam, or better features. Still feels spammy and same or worse in terms of features compared to other credit cards. Even if you have high credit score of +790. Getting your credit limit increase is a pain and they brush you off. Despite having good credit score, loyal for years, or always paying on time. Capital one card is a low performance credit card.

Date of experience: June 28, 2022
Canada
1 review
0 helpful votes
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Better companies out there
September 18, 2022

Fell on hard times, divorced with a new baby, inpatient and could not work. I had other cards and they all worked with me. Capital one wanted 1000 up front with no job and did not help with the rate. My other cards helped with a low monthly payment and they are over 3x what they were ok with. They will give you a card without credit, but they will not help you get back on track if your life goes down. There are better offers

Date of experience: September 18, 2022
Georgia
1 review
5 helpful votes
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Capital one promised $200 back on the first $500 spent and 1.5% back on additional purchases, then froze my account because I payed pack the amount due after the first month. Their story was that there was fraudulent activity and that they needed proof of identification, with no reason what so ever, with a texted link to my phone that, of course, wouldn't except my photo of my driver's license. What a nightmare!

Date of experience: November 22, 2022

Overview

Capital One has a rating of 1.9 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 296th among Banking sites.

service
590
value
554
quality
558
+93