website thubmnail of Capital One
How would you rate Capital One?
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Oklahoma
1 review
0 helpful votes
Follow Rick K.
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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
Follow John B.
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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
Follow Simone G.
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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
Canada
1 review
2 helpful votes
Follow Corby S.
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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
Texas
3 reviews
7 helpful votes
Follow jeff b.
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Capital one customer service is horrible. We were fraudulently charged for service of a website that we never had. We provided proof. The service was going to start two weeks after we wrote the vendor and Capital One saying we're not a customer and Capital One still continue to charges and refused to remove the charge unless I could provide proof of cancellation. Of course since we never signed up we could not provide proof of cancellation other than a written note before the service was to begin telling them we weren't a customer. Capital One refused to accept that saying we needed the vendor to acknowledge our email even though we had proof that they received it they refused to remove the charge and Capital One allow them to charge us even though the service wasn't gonna begin for another two weeks. If you want a good visa credit card use Citibank do not use capital one venture card.

Date of experience: October 3, 2022
Ohio
2 reviews
0 helpful votes
Follow Tonya F.
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I'm a very loyal and payment conscious customer, who has a 100% payment history. I was charged an interest fee after the full balance was paid by the due date. I feel was unjustified because it wasn't disclosed in the balance payoff which is very misleading to a customer. After waiting on hold to speak to a customer service representative for over 23 minutes was agreed upon but the fee wasn't waived in which I feel is unsatisfactory due to the nondisclosure of the fee when I thought I was paying a bill in full by the payment due date.

Date of experience: May 20, 2022
West Virginia
1 review
0 helpful votes
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Fine print is evil
July 7, 2023

Do not EVER take anything that is considered a cash advance(pretty much EVERYTHING that is not a straight forward direct purchase falls into that category), I nave been paying almost $10 a month for cash advance fees, I spoke to a rep today who went back 7 years into my account history and couldn't find a single charge that was considered cash advance, but not a single billing cycle was free of the charge. She was going to send me to another rep who could go further back, but I stopped her and inquired as to how I would go about insuring that any extra payment would be applied to said mysterious cash advance to eliminate the charge and she informed me that the only way is to pay the account in full. I didn't realize that they were siphoning this money off until today. I will be paying the account off as soon as possible and cutting ties with this crooked "financial institution". My recommendation is to avoid credit purchases if at all possible

Date of experience: July 7, 2023
Michigan
3 reviews
0 helpful votes
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Poor Service
July 21, 2023

I applied for credit card a month ago, and I was asked through the link to provide some documents for verifications, which I did submitted online the next couple of days. I haven't heard from them the whole month, due to the emplotees neglegents and not even looking at the application. They did hard credit check anf effected my credit score. I just called now she said, Oh it could be the image you have sent were not clear! What? You could have notified me. I've had credit card and car loan from them in the past. The images were clear as water.

Date of experience: July 21, 2023
Georgia
2 reviews
1 helpful vote
Follow Julio L.
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After months of paying on my balance. I finally got to the point I could pay them off. I made 3 payments in March. One to lower my balance, my monthly payment and the 3rd to payoff my balance. I login and selected the statement balance option and paid it off in full. Capital One decided to charge me interested after I already paid my monthly interest.
I have called twice, but they won't cancel the extra interest. I've sent an email to *******@capitalone.com, but no answer yet.
I also paid off PNC & Bank America too and they did not do me this way. I strongly suggest you get some other credit card.
These guy (Capital One) will nickel and dime you.

Date of experience: April 1, 2021
Texas
2 reviews
2 helpful votes
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In February 2017 a person in Fort Worth, Texas, bought a blender at Office Depot and charged it to my credit card without my knowledge or consent. I have had numerous contacts with Capital One about this, and yet the charge remains on my account (5 months later), and each month a late fee and interest is added to my account. Capital One knows the name of the person who charged the blender; Office Depot knows the name of the person, yet I am saddled with the charge. I will never knowingly do business with Capital One again nor will I ever darken the door of an Office Depot. This has been a 5 month nightmare, and I fully expect it will continue.

Date of experience: July 17, 2017
Ohio
1 review
3 helpful votes
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Disappointed
November 17, 2021

Disappointed at how customers are treated I have informed the company for COVID issues before my accident and after the whole country was shut down for a year but that didn't stop this company from
Breathing down are necks and charging interest on a bill that over 50% of us where having trouble paying! Which to me is shameful and when I do get on my feet to try and make payments I am told that my account will still go in to collections since because of all of the above and the fact that since I couldn't make payments those interest fees kept my gap insurance from covering the remaining balance completely. This is just one big circle rip off and everyone involved should be ashamed of theirselves.

Date of experience: November 17, 2021
California
3 reviews
6 helpful votes
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Quicksilver One has the lowest credit limit when approved it never gives credit increases even years after being approved you can request over an over for an increase for years and never get one a bad credit card to apply for you should not apply for Quicksilver One

Date of experience: April 16, 2022
Florida
1 review
0 helpful votes
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Dispute Resolution
October 3, 2022

Do not expect Capital One to consider your side or even your undisputable evidence in a charge dispute against a vendor. If you have a voicemail with undisputable evidence of a vendor making a promise to credit and then not following up, Capital One will not even listen to the clear evidence on the premise it is not a document. Give me a break... won't even listen to it! Note also that American Van Lines is a very untrustworthy organization whose personnel will lie in spite of statements given to the contrary!

Date of experience: October 3, 2022
Wisconsin
1 review
0 helpful votes
Follow Makayla M.
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I am not able to make my credit card payments and I expressed my financial hardship. I told them I would make my next month's payment so that my credit score wouldn't go to $#*!, but it is really hard to make this high minimum payment and I wanted to know what to do with my future payments. They refused to help me because my account wasn't behind. I can't wait to pay this card off and be done. NEVER AGAIN.

Date of experience: October 5, 2023
New Jersey
1 review
1 helpful vote
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Worst credit card company and banking service I would never recommend doing business with this bank they are noncaring and all they care about is money and not the customers. Warrent # IDQB524 as the manager is very unprofessional and does not know how to handle situations he's very unprofessional and treats people like garbage

Date of experience: February 7, 2024
Ohio
1 review
0 helpful votes
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SCAM!
August 18, 2022

Capital One for two years keeps charging late fees for on time monthly payments blaming my bank for the processing mistake. $40.00 every time there is an issue, wont wave it. I have proof from my bank that there is no issue like having enough funds in the bank. Call to close the account and i m told that there is technical difficulties and cant close the account. Agent told me that she reported me to her superiors for foul language. She wouldn't tell me who these superiors are or if they even exist. Could not get "Corrine"GLH848 to help me at all.

Date of experience: August 18, 2022
Illinois
1 review
0 helpful votes
Follow darius m.
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I have Capital One Walmart credit card. After making payment I have to wait 7 business days( 10 or more days) for funds to be available again on my credit card. For example. Paying on the 3rd of the month. M funds are available on 15 th of the month. On 18th of the month they sending new statement. I called customer service but they have explanation like I paid huge amount ( $ 1,900.00) and they have to process it correctly. Seriously.

Date of experience: April 30, 2023
Florida
3 reviews
170 helpful votes
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34 min wait time only to get Brono who is slow and can't get me what I need because they are closed at night... also the website doesn't have the relevant info regarding car rental. AVOID CAPITAL ONE.

Date of experience: October 2, 2021

Overview

Capital One has a rating of 1.4 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 297th among Banking sites.

service
589
value
553
shipping
31
returns
36
quality
557
+93