• Capital One

Capital One

Is this your business?

Overview

Capital One has a rating of 1.6 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): 1.7%
Positive
5
Neutral
3
Negative
290
90
See all photos

What reviewers want you to know

Positive highlights

  • I have a $5,000 credit limit on my credit card and I make all my purchases for the month, on my credit cards.

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 jessikah21
1 review
3 helpful votes
January 12th, 2024

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.

Service
Value
Quality
Thumbnail of user barcob1
17 reviews
4 helpful votes
March 18th, 2024

I have a $1,000 credit in it with Capital One with a minimum payment of about $30 a month set up on auto pay. To get my balance down I gave them $250 in March before my due date. On my due date they took an additional $250 without my permission. They took my money instantly but telling me they're going to mail me a check between 10 days and 2 weeks. This is causing my bank account to be overdrawn. Whatever you do do not sign up for autopay

Products used:
Credit card

Service
Value
Quality
Thumbnail of user gluclausen
1 review
1 helpful vote
March 26th, 2024

I have car Loan with them for 7 yrs, never done anything on the site, keep paying till the car is paid off. And i have fought with them every week for 3 months just to take Lien out of my tittle. Thank you for those " amazing and smart" telephone employees and back team staffs or what ever they call. They dont donw how to do it when it come to electronic tittle of Florida. Bought in Maryland and move to Florida. Tittle was changed 5 years ago but they freaking not know.
I would not recommend or trust this company any more.

Thumbnail of user conniev177
1 review
0 helpful votes
March 16th, 2024

Called automated service to make a payment kept cutting me off tried the following morning with success but received a late fee. Called customer service to have late fee waived was told it could not be done since it was the next day after payment was due. Beware of their automated service I think it's done on purpose for a way to take your hard earned money. Get away from Capital One if you can merely a rip off with horrible customer service.

Thumbnail of user lcrngrs
1 review
4 helpful votes
January 25th, 2024

First of all, an Interest rate of 30% is a disgrace! They are not flexible at all and recite from a book like mind numbed robots. After paying my balance in full, I immediately closed the card. I had previously asked for help in paying the card and their answer was to give me 3 months of reversed late fees if necessary. Unreal! I cannot blame them for my balance but I can say that they, unlike other banks out there, have zero flexibility. You are better off with no credit at all than to use capital one.

Thumbnail of user lond32
1 review
3 helpful votes
January 6th, 2024

I purchased a new pair of shoes at Bass Pro Shops using new Store Card (Capitol One) and got $20 off of my $60 purchase in October, 2023.Did NOT! Receive ANY! Billing Statement from Capitol One for over 2 Months! And when I did (yesterday) they hit me with a $112.00 Bill for Interest and Late Fees!...I'll pay the SOB's today, but Capitol One can kiss my A$$.even a Mafia Loan Shark wouldn't charge that much!...Their card just went thru the Shredder too, about 5 Minutes ago!...

Products used:
shoes

Service
Value
Quality
Thumbnail of user dee.ermakova
1 review
3 helpful votes
January 12th, 2024

Tried to wire the same transaction over and over again. They flagged my phone I used for 2-step verification! Reverted the wire, made me call the customer service 5 times in 3 days to unblock account because guess what, I cannot use my phone to verify myself, even though this number is on my account for 6 years I've been with this bank and I'm super done with this because I have to deal with this every time I wanna send someone money. Insane, they don't get feedback seriously

Tip for consumers:
Wanna share my frustration!!!

Products used:
Savings account and credit card

Service
Value
Quality
Thumbnail of user deepa8
1 review
6 helpful votes
December 8th, 2023

I opened a dispute with Capitol One Bank, seeking a resolution and refund. Despite three months of waiting, my valuable time was wasted, and the case was closed without a satisfactory outcome. When I reached out to Capitol One's travel team for assistance, they claimed they couldn't help and directed me to contact the airlines. A lack of support and resolution has left me thoroughly dissatisfied with Capitol One's customer service.

Products used:
Venture x card

Service
Value
Quality
Thumbnail of user shanekquawashington
1 review
0 helpful votes
March 28th, 2024

I have had capital one for a few years and all of a sudden my account was closed without notification, my payments kept returning even though I made sure the payment funds were available for the next day which is when it usually takes it out. There was no call or follow up regarding these actions and the only feedback was to reapply! I will not be reapply and Capital One has lost a valuable customer! Hope this helps someone else.

Service
Value
Quality
Thumbnail of user kennethgford
1 review
1 helpful vote
January 7th, 2024

OCTOBER 17,2023 I asked to renew my Capital One card while living on a temp. Visa in the Netherlands. I do not want to use false information or data or give my address to someone else in Canada because your policy is to allow fraud. I get an AMEX card using a Netherlands address, why not yours? It's going on 3 months waiting for a response...?

Thumbnail of user megk4
49 reviews
112 helpful votes
March 26th, 2024
• Updated review

I don't think it's asking too much of a credit card company to have online chats available for customer service. First of all, you don't have to confirm your identity because you logged in. Second, you don't have to go through telephone torture. Third, if this is Capital One's way of saving money, it would be akin to a bottled water company saving money by bottling fresh toilet water. If I'm banking online, then I expect to find online employees to chat with. For all I care, Capital One's inhuman chat bot named Eno needs to die. I think he's already sick with a virus. You know, a computer virus. Because every time I ask him for help, he gives me a "Contact us" link that lists a bunch of phone numbers. What is this, "Little House on the Prairie"? Phone calls are so yesterday. I'm not going to call. I'll write them a letter and send it to them by boat over the ocean. That would probably be more effective, since it's obvious that no one's home.

Service
Value
Quality
Well, DUH!
March 2nd, 2024
• Previous review

So, I opened a Capital One 360 Checking Account with the promise that I'd be given $350 after switching over my direct deposits. I think you were supposed to have over X dollars direct deposited on two consecutive months. Upon opening the account, I immediately had my direct deposit rerouted from my bank to Capital One. Unfortunately, it took a month too long for my payer to get with the program, and Capital One stiffed me. What else could I do but put in the request the same day I opened the account?! I bet Capital One knew that many people would struggle to get their direct deposits rerouted that soon. Shame on them. And then the [bleep] on the phone was really mean to me and told me that I "didn't qualify" for the $350. I told him to close my account, and he did; but then I realized that I should reroute my direct deposit AGAIN before closing the account, so I asked him to NOT close the account.

"I already closed it!"

"Well, unclose it! You just read something that said you can unclose it!"

"I didn't say I could unclose it! I said... uh... that you could still access the account for a while. Yeah. That's what I said."

"But how will I get my direct deposit next month?"

"Who cares? You just ordered me to close your account."

"No big deal," I said. "I don't really need that income anyway. I mean, really, who needs to get paid, am I right?"

"I suggest that you contact your payer as soon as possible, ma'am."

"Well, DUH!" I yelled.

He seemed stupefied. (I don't think it took much.) "What... what do you mean?" he asked.

"What do you think I'm going to do as soon as I get off the phone?! I don't want to deal with misrouted income!"

"I don't like your attitude," he said.

"Good! Go [bleep] yourself."

"Well! I never!"

"Figures! Give it a try."

Click.

I immediately logged in and canceled the transfer of my balance to my other bank. Now they can't close my account because they still have my money. I mean, they can try. Good thing my parents are both lawyers.

Was I mean to him? [Bleep] yes. I jumped through hoops to reroute my direct deposit, and I got nothing for it. Nothing. After I get my money in order and close this account, I'll never do business with Capital One again.

Tip for consumers:
This would make a fine class action lawsuit for those of us who did everything we could to get the $350, but were then stiffed.

Service
Value
Thumbnail of user kaileyg13
1 review
1 helpful vote
February 8th, 2024

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

Tip for consumers:
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 a

Service
Value
Quality
Thumbnail of user recumina1962
1 review
1 helpful vote
February 13th, 2024

I have 2 accounts with capital one for about 6 months, one secured and another is not secured. I have been takin care in order to fix and improve my credit. But today I entered to the app and surprise, they both were closed. They did it the same day I pay the monthly payment.
The reason, nobody had been able to explained to me. I just regret being trusting to this company.

Tip for consumers:
I just wouldn’t like to trust this company.

Products used:
Credit cards

Thumbnail of user drakevv20
1 review
0 helpful votes
April 5th, 2024

To recover your account appears to be the biggest hurdle with Capital One. I simply changed my phone number and have lost access to my account, and they will only allow verification through the old phone number, which I no longer possess. The only way to contact support is through a telephone call that takes 20 minutes. I have also had multiple experiences with rude support staff who talk over me when I am just providing them with all the information for better assistance, and they treat you as if you are a child. Even then, in the end, you don't receive any help but just get a case started that never gets resolved. I've been trying to access my cards and can only use my phone to pay. Even when the phone number is updated, it won't allow it for verification. One reason why I became delinquent on one card was due to the difficulty of regaining access. It almost seems as if it is either intentionally designed that way or the result of extremely negligent customer service. But either way, it's unacceptable.

Service
Value
Quality
Thumbnail of user amyc2752
1 review
5 helpful votes
January 24th, 2024

Do not trust tis company, they lie and and literally mock you while you're trying to get help. This place is unethical!

Products used:
Credit card

Service
Value
Quality
Thumbnail of user randy.danso
1 review
3 helpful votes
January 18th, 2024

I called to have a payment refunded and these guys told me different information whenever I called to get it resolved. One person told me to provide proof of payment for a payment that he see's on the screen in front of him... then when I get transferred the agent tells me there's no need for proof of payment. I've called 4 different times and heard something different each time. It's clear that the associates are not trained properly or they're just terrible at their jobs. I'm extremely happy I'm no longer with this joke of a company.

Thumbnail of user johna3735
3 reviews
5 helpful votes
January 13th, 2024

Capital one sucks. Once they have your money, you can not use it for at least 4-5 days, even though it shows as being deposited! They need to collect that little bit of interest for themselfs instead of letting the customer do things with their own money!

Tip for consumers:
do research, use a differlent bank.

Products used:
tried to use fund showing in my 360 saving account.

Service
Value
Quality
Thumbnail of user peterb567
2 reviews
3 helpful votes
March 26th, 2024

Corrupt to their core! Stay far away from these liberal hacks...they are bad news. They actually let cancelled checks get cashed...yes. There is no guarantee they say! Horrible customer service. Bad business

Service
Value
Quality
Thumbnail of user brandyc275
1 review
0 helpful votes
January 11th, 2024

Opened my 17 year old son a money account with capital one. Read all of the terms of use to be sure he would be able to use zelle. Capital One claims if they are 13 or older, and the parent enables it, they can use zelle. This is not true. According to a supervisor they are still rolling out zelle for the minor accounts and said only some accounts have access to it. They could not explain to me why my son's account did not have that feature. Very unhappy with their false advertising and immediately closed the account.

Thumbnail of user travisb620
1 review
0 helpful votes
March 1st, 2024

This shopping portal was called Wikibuy before Capital One bought them. They are horrible. They promise referral bonuses and then make excuses not to pay you. The shopping rewards that you receive for online purchases are a joke. It will take you forever to get to a lousy $10 to redeem the rewards and even then you will only get a gift card for a limited number of stores.
Avoid this scam site.

Service
Value
Quality
Thumbnail of user marka3294
1 review
0 helpful votes
March 2nd, 2024

The new app ( at least one year) is awful. It never remembers me which makes me resign in with new password change which is a hassle and NOT convienient. When i turn on security measure to draw a password it never shows it first.NOT convienient. I had zero problems with old app. Whoever decided to change to this new app should b demoted to complaint dept!

Products used:
Credit card

Service
Value
Quality
Thumbnail of user rickyt173
1 review
2 helpful votes
January 29th, 2024

Stay away from this company "Capital One"! I use their credit card to make a purchase, then the statement came and I pay the full balance on time before the due date. Guess what?! Next statement period came and these SOB hit me with an interest charge! I called customer service, she told that since interest accrued daily so even if I payoff the full balance before the due date there's still going to be interest! Can you freaking believe this sh--?! In other words, if you plan on used their credit card to make any purchases at all, then get ready to pay some interest no matter what. So stay away from this fraudulent bank!

Service
Value
Quality
Thumbnail of user suziem68
1 review
3 helpful votes
December 21st, 2023

They lie cheat n don't speak English very well…they will hang up on you when you ask a question. When asking their name and operator number they ask why are you asking for that…because I want to know who I'm talking to …they refused to give their information and talk over you then you ask again their information…again they suck big ones and are a headache…find another cc company so you can eliminate a headache

Products used:
None

Service
Value
Quality
Thumbnail of user johnc11520
1 review
0 helpful votes
February 20th, 2024

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

Service
Value
Quality
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.

Sitejabber for Business

Gain trust and grow your business with customer reviews.

About the business

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

How do I know I can trust these reviews about Capital One?

  • Sitejabber’s sole mission is to increase online transparency for buyers and businesses
  • Sitejabber has helped over 200M buyers make better purchasing decisions online
  • Suspicious reviews are flagged by our algorithms, moderators, and community members
Have a question about Capital One?

Is this your business?

Claim your listing for free to respond to reviews, update your profile and manage your listing.

Claim Your Business