Capital One

I wish I can choose no even 1 star for them. Fraudulent, deceiving practice. Scam me with international transaction refund for more that $1360. 00
Poor customer service. Lack of knowledge and any kind of integrity.

Worst credit card company out there. Have had to call customer service four times in three days because they don't know where an account number is on a statement. Don't do it, customer service reps can't understand English to Save their lives

I just got off the phone with a supervisor at Capital One requesting a waiver of a late fee charge because I was unemployed temporarily due to Omicron virus and I'm working again. Despite my record with capital one for over 5 years with very little or hardly any lapse in payment history until the recent unemployment, he totally disregarded my request saying that we all have hardship sometimes and that was not sufficient reason and justified an additional interest charge and annual fee to bring my total to $97 instead of the $32 monthly payment and overcharge fee. Horrible customer service. I will soon have enough to pay of their total balance and will no longer do business with Capital One

One of the easiest cards to get but one of the worst customer service I've ever seen. Their call centres are all outsourced abroad and no one understands you or tries to help in any way. They just pass the call around and eventually disconnect the call. I've called 3 times for fraudulent transaction and my issues is still not resolved and when I asked how to solve it I was replied like it's 1970, please print your documents and fax us your request as our company has not evolved with the times.

They have the worst Customer service I would not recommend anyone to bank with them they will close your account and then say we just decided to end our banking relationship with you like that's normal!

Was credit card customer for over 15 years and had a dispute with a company that promised me a $258 refund - after jumping through hoops and mailing 9 separate disputes in with all the back up paperwork they said they only had some of the paperwork and denied the claims (guess they lost it internally?) sent everything in again but they denied my dispute and sided with the merchant. Lost hours on the phone arguing with them - you can't reach the dispute department directly so it was a minimum of 30-90 minutes on hold as I got transfered to different departments and many times got "disconnected" - barely could understand the representatives. I have cancelled all credit cards and bank accounts with Capital One and would not recommend using this company that has gone downhill in the last couple years.

I already have two credit cards with capital one, so I was going to open up a checking account. I was tossed around to multiple departments, put on hold, and hung up on a couple times. When I finally got through, I found out they had the wrong information on file for years, including my birthday. This company is a MESS! Confirmed my social and took multiple pictures of my ID. After 4 hours playing the toss around game, still no solution. Customer service is non existent. Bank elsewhere!

I've been a loyal customer since 2009, but after my recent debacle with them, it's over. The customer service reps barely speak English and they're painfully useless; it's obvious they're "working" from home and very distracted. I've been hung up on during a call on more than one occasion and it's deliberate... God forbid you need an answer or solution to your problem. They'll pass you around like a hot potato and waste hours of your time if you allow it.

I have a been a customer for over 10 years, so I think I can really evaluate them in terms of their growth. Years ago, they had terrible customer service, but I've seen a lot of progress since then. Maybe it was all of the bad reviews and complaints? Whatever the reason, they've become quite responsive. Their website works and is user friendly. Plus, they have a Credit Wise feature which allows you to check your FICO and credit report for free! I think their charge dispute process still needs improvement, but overall, I'm satisfied.

Those closed both of my accounts even though I paid every month. So now I'm closing my bank account with them as well as my auto loan. My other credit cards understand that the pandemic was bad but not capital one. I use to speak highly of them...well not no more. I should have listened to everyone who said that this is a garbage company.

Lol, never encountered such companies which offer solution for anything you need. Wanna shop for a car? You are welcome, it's easy to do here.
Wanna issue a credit card or open savings account? Not a biggie, there is everything for it here too.

Super versatile platform, I wanted to open a checking account and Capitalone has helped me in this issue. So I am thankful to them for being such a robust platform, it was surprising to find it, for real.

Capital One used to be a pleasant company to deal with. My recent transaction with them makes me rethink this company. I missed 1 payment in who knows how many years after fully paying off a balance. I was late by 10 days. They restricted my card and even though I scheduled 3 payments for the balance they told me it would take 1-2 days to remove the restriction. Ridiculous. I'll keep my Bank of America account and any others but I'm not pleased with Capital One.

They'll charge you for everything, I paid on time and yet I'm charged extra. After I'm done with this card payment I am absolutely threw with them. Discover/ Credit One has helped me in more ways than none meanwhile capital one can't even correct the mistake they made. My blood absolutely boils with their customer service. I won't be going back!
It's always I can't help you, and never let me try this or let me call this person.
Minimum balance is always 26$ monthly.
I can't wait to put them behind me

Horrible, I Was not informed I had a fee on my credit card and they never reached out since I never used the card. Ended up having a fee of almost 200$ for a card I never used and all because of member fee. Do better people reach out and prevent this to happening to others. I thought you take care of military. No excuse for not reaching out to me about the balance, you had my contact information. Not being active is not an excuse. I never complain or get angry but something small like this has affected me financially and mentally

Had $0.00 dollar balance, was trying to do simple name change. After multiple calls, they want me to mail in all copies of credit card and drivers license and social security card and court paperwork. I expressed I did not feel safe after I already faxed this paperwork in, and the could not confirm they even got it. Strong language barrier did not help the customer service reps on the first two calls. The last call the customer service rep was like that is our policy too bad. I have good credit I will go elsewhere. Sorry service is not Capital Ones business. I stuck with Capital One because they were my first card. Over 15 years a customer means nothing I guess.

Bank Estates dept. is non-responsive, inaccessible, has delay-infused workflow & utilizes unreliable USP for mailing checks. Mailed checks do not arrive. Bank Estate personnel are not available directly. Must translate all messages via frontline bank personnel. USP checks are not reliably delivered which cascades you into their affidavit process (and its accompanied by 95 days to resolve the lost check issue cycle). In addition, the affidavit asks you to give up all rights of indemnity (you can't hold the bank accountable legally). Avoid!

I applied for a card and Capital One said all I need for approval was to verify my income. I did that but they declined anyway because I had a couple other cards. Very misleading process. I think it's because of the debt incurred promoting the 0% interest rate. Will never refer anyone as can't be trusted.

Capital one is horrible. They are FDIC insured but do not follow EFTA regulations and will not protect your money from fraudulent transactions and will close your account when you file a complaint. They do this to avoid paying you back. Steer clear! You'll be tied up in lawsuits against them for years trying to correct their mistakes and negligence!

I needed a simple phone number update I was belittled speaking to foreigners there was a language barrier at which the made numeric mistakes and made it seem as if my fault no accountability. No proper English used with American citizens which is sad if call center outsourced to another country. 2 superb failed me and didn't want to help me update my number when I sent in all paperwork proving my identity. No proper notes very sad. I learned my lesson and will never do business with any out of country companies.I'm already weary of my information yet I know longer have trust in the company

I have had their app on my phone for ages and have used it. Today, when I want to use it, they FORCE me to update. So I take the time to update. But the update doesn't take effect immediately or soon. Instead, I get a message saying the install will occur "soon". Not soon enough. If they would let me proceed using the old app, that would be fine, but no. I am effectively locked out from depositing the check. Real software engineers are all dead. Capital One is LAME.