• Capital One

Capital One

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Overview

Capital One has a rating of 1.3 stars from 944 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Capital One most frequently mention customer service, credit card, and bank account problems. Capital One ranks 303rd among Banking sites.

  • Service
    558
  • Value
    524
  • Quality
    529
Positive reviews (last 12 months): 1.6%
Positive
5
Neutral
4
Negative
307
90
See all photos

What reviewers want you to know

Positive highlights

  • I started with my credit card and now I recently on June 27 got my Auto Loan though.

Critical highlights

  • This is the worst I have had many diff bank accounts in all my years and the level of stupid this place is floors me.
  • My granddaughter lost her Money debit card, 4 transfer's 3 different countries and 20+ minutes!
How would you rate Capital One?
Top Positive Review

“It was a surprise”

Aim B.
4/14/24

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.

Top Critical Review

“Crapital One. Wish I could give zero stars”

Jessika H.
1/12/24

Capital One took over my previous credit card I obtained from a wholesale club. My APR with them prior was 12%. When Capital One took over, it raised me to 20.4%! Asked for reduction based on excellent payment history. I was told they don't do that, a 3rd party does! What? Makes zero sense. Aid they use credit bureaus and that APR could go up again without notice. The highest APR is 30%! You have to check your statement to see if you're APR changes. Can't wait to pay it off, these people are criminal.

Reviews (944)

Rating

Timeframe

Other

Reviews that mention popular keywords

bank account (42) debit card (33) phone number (24) credit card (318)
Thumbnail of user aimb
7 reviews
4 helpful votes
April 14th, 2024

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.

Thumbnail of user marciam172
7 reviews
20 helpful votes
June 16th, 2020

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.

Thumbnail of user caedanr
1 review
0 helpful votes
February 14th, 2024

Great card to start building your credit. They upped my credit limit from 300 to 1800 after around a year of responsible usage. The Quicksilver card is also amazing, if you can get accepted.

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Thumbnail of user samanthac732
2 reviews
0 helpful votes
December 14th, 2023

I just got off the phone with capital one customer service and the person I talked to was amazing. He even told me merry Christmas. He activated my card within a few seconds. I have not had any issues with this account and I've had it for many years. Thank you so much for being amazing and taking care of me in the way I deserve. Your customer service rocks!

Products used:
Credit card

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Thumbnail of user josephp2145
1 review
0 helpful votes
August 23rd, 2022

When my credit score was 508, it was Capital One that took a chance on me and sent me a pre-approved credit card based on the fact that I had my pay directly deposited into my checking account. With the daily information that they provided me on my account and checking for other cards I was preapproved for---well let just say that after twelve months of due diligence and on-time payments, my credit score today is 715 across the board... in one year. The only complaint that I have against Capital One is they don't have a feedback email, or I would thank them that way.

Tip for consumers:
Capital One will tell you everything you need to know to watch your credit grow. They even let you know when the next look at your credit score will be so you can look ideal every month. It was fun to watch my score grow from 508 to 715 in one year.

Products used:
I'm not sure. It was awhile ago. They took care of it. We don't remember what is a small problem that gets rectified right away.

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Thumbnail of user patrickz125
1 review
0 helpful votes
October 12th, 2022

I would like to acknowledge Capital One and it's employees who helped me with two Vendors disputes of charges to my account. After numerous back and forth with Capital One they decided in my favor and put the money back into my account. Capital One is one of the few CC companies that works for the card holder not the Vendors. Most could care less about the customer, that is why I have kept my Capital One card for so many years. If you are looking for a good CC company I would definitely recommend getting a Capital One card, thanks again for good customer service. Patrick Zoccoli

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Thumbnail of user elizabethm2820
1 review
0 helpful votes
February 22nd, 2022

My credit card was restricted and I tried to reach customer service to get help. I talked Jesy who helped me out. She has an exceptional customer service skills. She was very kind, polite, attentive, patient and jovial. I was fully satisfied with the help I got!

Thumbnail of user brianah85
2 reviews
1 helpful vote
February 19th, 2023

They deserve negative stars I see why there is no monthly fee and no overdraft fee that's to reel you in because they will play with you money I would rather pay a monthly fee and actually get real service I disputed a transaction and they didn't even try to contact me after they said they would if they needed anything further and sided with the scamming company until I called back and refused to pay and told them I had documentation if they would have just asked for it now I'm bank account in overdrawn and I can't use it and all the can say because they reopened the case is we still have to review the documents after almost a week of having them so we can't do anything like super unprofessional I been with them for almost 5 years and even have a credit card but I'm done it's really stupid and unprofessional and you can't just be playing with people money & time and we talking $300 it's a lot for them to be asking to basically just give some company for nothing I have a baby on the way and I have large bills never again they know how hard it is out here right now and they know these little LLC's be scamming people but they don't care because it's not their money

Tip for consumers:
Just stay away and go to a bank more professional and don’t play with your time or money

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Thumbnail of user alphonsen3
1 review
2 helpful votes
April 7th, 2021

I never write reviews, but decided to point this out. I was just looking at another companies reviews and they were HORRIBLE. I decided to come over to look at Capital One's reviews as I have done business with them for years and more recently this week with a large undertaking. I have been VERY happy with the company and they have helped me when my own credit union of 31 years have not. Now, I'm seeing these bad things written here also. C'mon Now! Who do you believe? I just say to you all, make a wise decision. Use Capital One - Don't' use them. I like Capital One. A. Noel

Service
Value
Thumbnail of user janitziob
1 review
0 helpful votes
August 11th, 2022

When nobody wanted to open the doors for me Capital One has giving me the opportunity to open the doors on my life thank you capital one my credit score its weight much better I will never forget that when Everybody closest hours in me you open the doors for me thank you very much

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Thumbnail of user andys638
1 review
0 helpful votes
March 5th, 2023

Just wanted to send a friendly review about my experience with capital one service. I suspected a couple fraud charges on my statement and contacted them on the issue and they were fantastic to deal with! Very much appreciated the excellent service they provided me and love dealing with the great staff I dealt with!

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Thumbnail of user chitrak8
1 review
0 helpful votes
June 13th, 2021

Customer service is very excellent and information are useful. Thank you for your cooperation. This credit card is best to compare other credit card.

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Thumbnail of user brianh1554
2 reviews
1 helpful vote
January 2nd, 2021

Reliable customer service. Index funds and altcoin stocks are also set to gain as the crypto markets keep reaching new highs. Meanwhile MintonBlock offers a new and innovative bitcoin 401k investment plan and digital assets investment fund with reasonable quarterly and monthly returns respectively. Will definitely recommend. Thank me later.

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Thumbnail of user altond28
1 review
2 helpful votes
January 10th, 2023

First of all this is bye far one of the worst companies to do business with please i repeat please do not go thru with any of there crap I'm closing all my capital cards and loan they definitely cant have my business any longer. They give you the run around like no one can help you and I'm just tired of hearing I'm sorry when they just don't even care so yea $#*! you capital one

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Value
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Thumbnail of user cynthiaj840
2 reviews
0 helpful votes
November 5th, 2022

Anthony was soooo helpful. Extremely knowledgeable about the seating and parking. He is so easy to work with and will retain his number for future events! Thank you Anthony!

Thumbnail of user tos3
1 review
4 helpful votes
July 11th, 2022

Capital one is the most useless bank ever. Their credit card dept sucks as well as the supervisors. Coming from someone who never writes a review on anything, I can tell you it's a crappy bank full of lies and reps who provide wrong information. Bank with them at your own risk.

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Thumbnail of user vics80
1 review
2 helpful votes
February 17th, 2023

When they say no fee at the ATM there full of $#*!. Yes they offer no fees but if you have simply checking that doesn't apply it's only for 360 account customers.so if you have simply checking you're nothing but chop meat. And my closest branch is 35 miles 1 way because they shut down every branch in my immediate area. If you make the futile attempt to speak to anyone at a branch office good luck with that. Because they never pick up. Find yourself a bank that actually appreciates having you as a customer

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Thumbnail of user sincerelytora
1 review
0 helpful votes
April 1st, 2023

Thank you for accepting my application. I received a credit card within a week. Thank you for saving me. I need that money.

Thumbnail of user gdeedspage
1 review
0 helpful votes
April 7th, 2023

I had a problem with my checking account, and talked with Raymond Nelson. He was helpful and absolutely made my day!

Thumbnail of user yb37
1 review
1 helpful vote
December 27th, 2021

I had accounts in the past or currently have accounts in the following banks, Chase, Capital One, Key, Wells Fargo, TD, M&T, City, Apple, Discover Bank, Green Dot, MVB, Charle Schwab.
And the bank I am using the most, and happy with is Capital One Bank, for checking and even for credit cards!

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Thumbnail of user deshawnf2
1 review
0 helpful votes
February 12th, 2022

Today I had the greatest experience I ever with a representative of any type. This customer service representative went above and beyond her job to actually help me out today. Corianne provided some great information for me today. Not only do I have a great representative which I have a absolute great asset to Capital one in Corianne. The experience that I had with Corianne was like no other I have ever experience with any representative that ever spoke to over the phone. Her willingness to help and provide vital information and even chat with me show that she care for the Capital One customers. So today I'm given Corianne 5 stars If I can give her more I would. To say I had a very great experience with Corianne is a under statement *******@gmail.com

Thumbnail of user blakwatrws
1 review
0 helpful votes
June 27th, 2023

I moved from a brick and mortar bank to Capital One
Best decision I ever made. Wonderful customer service. I even refinanced my car loan and I am saving tons
Thanks Capital One

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Thumbnail of user sharonl1983
1 review
0 helpful votes
July 11th, 2023

Capital One is my only credit card in my wallet, that is actually valid...lol. It was easy to paly for and yes, even I got approved...you can too! Give it a try. Heres the link. https://capital.one/3B9xSTH you all know I don't play that B.S. It's 100% legit. So why am I posting this. Simple, if your approved and aren't a current capital one costumer, I'll get $100 up to a max of $500 per year. And you will get the same offer too once your a costumer. So come on...pay it forward! Here's the link again... https://capital.one/3B9xSTH. And thank you

Tip for consumers:
I really have nothing negative at all to say. They've been really good to me. I'm Happy.

Products used:
Capital One platinum

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Thumbnail of user joanm1239
1 review
0 helpful votes
February 15th, 2023

I just opend an account with capital one bank.my fater is been with the bank many years.
The best service and best offers

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Thumbnail of user dibbied
1 review
1 helpful vote
July 31st, 2022

Charge Interest to Keep fron Ever Paying Off. I am never late constantly pay them above and beyound. They charge hindden fees and interest to eat our your payments away so never pay them down even if you are not charging on the card they charge your card so that it like your payment dont count. They fraudulently charging on your card each month fees & interest. Watch them your balance never go's even though you are paying them each month.

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About the business

Capital One is an Official Corporate Champion of the NCAA?. NCAA is a trademark of the National Collegiate Athletic Association.

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