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Capital One Review

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Reviews 1,008

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

Capital One summary

Capital One is a large bank specializing in checking accounts, savings and investment products, credit cards, and auto loans. Founded as a brick-and-mortar institution in 1988, it now offers most of its regular banking services online. In addition to bank accounts and lending products, it also offers a suite of financial tools to help customers track their credit score and achieve savings goals.

Pros

  • Diverse range of checking and savings products
  • Most features available on mobile app
  • Access to thousands of ATMs
  • Part of highly trusted global banking group

Cons

  • No personal loan products
  • No interest checking options

Advantages Over Regular Bank

Capital One is a regular bank with an online banking arm. As such, it offers the best of both a brick-and-mortar bank and an online/mobile bank.

Here are some of the advantages to using Capital One’s online banking services:

  • Open and manage accounts from your computer or mobile device.
  • Do everything from your online or mobile account, including money transfer, check deposit, bill payment, and viewing statements.
  • 24/7 alerts for when suspicious activity occurs with your account.

Cutting-Edge Banking Services

Although Capital One is one of the largest banks in the United States, it offers many of the same online features usually found at Silicon Valley-based online banks.

Capital One customers can do virtually everything online (or by mobile), including:

  • Bill Pay: Enter details about what you want to pay and when, and Capital One handles all the rest.
  • Mobile deposits: Deposit checks with just a couple of clicks and you’ll get an alert when your funds are ready to use.
  • Digital payments: With Capital One Zelle, you can send secure person-to-person payments to other bank accounts.
  • Mobile payments: Capital One’s mobile app lets you pay retailers with Apple Pay, Google Pay, and Samsung Pay.
  • My Savings Goals: This tool helps you set financial goals and track your progress.
  • CreditWise: Free tool that lets you track your credit score for free (even if you don’t have a Capital One account).
  • Direct Deposit: Arrange for your employer to send money directly to your savings account.
  • Eno: Eno is your Capital One assistant. It monitors charges, sends you insights (like if a monthly recurring bill is higher than usual), and sends you alerts when it notices suspicious behavior. You can even text Eno for recent transactions.
  • Alexa: Manage your Capital One accounts from any Alexa-enabled devices, including the new Echo Show.

Traditional Banking Services

  • One of the main reasons to choose Capital One is that it offers all its traditional banking services online.

Capital One is known for banking products and services, including:

  • Checking accounts, with a choice from a zero-fee checking accounts.
  • Savings products, CDs, and IRA CDs.
  • Credit cards, including a range of reward credit cards and credit cards for businesses.
  • Auto loans and auto financing products.
  • Commercial financing options for businesses in selected industries.
  • Network of more than 39,000 Capital One and AllPoint ATMs around the US.
  • Network of around 760 branches around the US.

Interest Rates and Fees 

Capital One offers 2 types of checking accounts: 360 Checking, for adults; and Money, for teens. Both come with no monthly fees, no minimum balance, and a full suite of online and mobile banking features.

The following table shows APYs and minimum balances for all savings accounts, CDs, and IRAs. Note that there are no monthly fees for any of the savings products. There are no minimum balances, except for the 360 Money Market, where the balance must stay above $10,000 to earn the full interest.

AccountMin. BalanceAPY
360 Performance Savings$00.50%
360 Savings$01.30%
Kids Savings Account$00.40%
360 IRA Savings$00.50%
360 CDs$00.20% (1 year)
0.30% (3 years)
0.40% (5 years)

Customer Service

Capital One provides customer service by phone or in branch. Its website contains an extensive Support section with answers to frequently asked questions.

Phone: 800-655-BANK (800-655-2265) for inquiries related to retail banking. Bankers are available 7 days a week, 8am – 11pm ET. Automated services available 24/7.

Social Media: Capital One encourages people to interact with it via its Twitter account (@AskCapitalOne).

HQ: 1680 Capital One Dr, McLean, VA 22102, USA

Mobile Apps

Capital One has a mobile app for iOS and Android. The app offers many of the same features as online banking, plus a few exclusive mobile features.

Here are the highlights of Capital One’s mobile app:

  • Instant purchase notifications whenever your Capital One Credit Card is used.
  • Lock your Capital One card with a few taps if it is misplaced, lost, or stolen.
  • Free credit score tracking, plus tips to help you understand how to improve your score.
  • Schedule regular bill payments or make one-time payments.
  • Login with Touch ID.
  • Transfer payments securely and quickly with Zelle.
  • Deposit checks with just a photo.
  • View and redeem rewards from Capital One partners.

Security 

Capital One is the 10th-largest bank in the United States by total assets, so it’s no surprise it’s committed to protecting customers. 

Here’s how Capital One protects online banking customers:

  • All accounts are FDIC-insured up to $250,000.
  • Instant mobile alerts if any suspicious activity occurs in your account.
  • Dedicated fraud investigation team can be reached at 800-CAPITAL.
  • All online data is encrypted with 128-bit Secure Socket Layer (SSL), ensuring only you and Capital One can view sensitive information.
  • Mobile users can replace their password with SureSwipe, a customer pattern you swipe with your finger.
  • Capital One automatically checks your credit card accounts for unusual charges and notifies you if it thinks you’ve been wrongly charged.

Conclusion

Most large banks have been slow to set up online banking, but not Capital One. With Capital One’s online and mobile banking platform, users get access to all the same checking and savings products as they would if they walked into a real branch—along with the added convenience of being able to bank from home or on the go. Overall, Capital One’s online banking platform is among the strongest options on the market, with a wide range of banking products and services, low fees, and competitive savings rates. Capital One is a good option for anyone looking to manage their online checking and savings accounts in the same place.

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Capital One
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  • author
    Robertcarry
    2 days ago
    I'm Satisfied with C1

    I'm amazed at the number of negative reviews I see out here on Capital One. I have not had one negative experience. I hope my good relationship with them continues. They offer good online service. But the best part is that my financial experience with them.

    ...

  • author
    Forrest Chambless
    20 hours ago
    #CapitalOne are frauds & thieves

    #CapitalOne are frauds & thieves. Even if you pay your credit card balance from #CapitalOne account they "hold" the payment for seven business days to make sure the payment clears "my bank". I cut the card up and cancelled the account.

    ...

  • author
    Chanell McClure
    2 days ago
    WARNING!!!!!

    DO NOT GET A 360 ACCOUNT OR ANY ACCOUNT WITH THIS BANK!!!!!! THEY WILL DEDUCT PAYMENTS TWICE FROM YOUR ACCOUNT!!!!! EVERY TIME I USE LYFT OR UBER I GET DOUBLE CHARGED!!!!!

    ...

  • author
    Shane Treasure
    2 days ago
    I've had Capital One over 8 years now

    I've had Capital One over 8 years now. One night around 1:30am I notice several zelle transactions totaling over $2,000.00. So I dispute them and they have been investigating for a month now. They restricted my checkings accounts which I understand then they tell me to open a new checkings account so they can transfer my money from the old one to the new one. So I got the disputed money back and my new checkings account has been fine. So all of a sudden a month and a quarter later (today) they restrict the new checkings account and said they have to do more investigation. Are you serious??? How am I suppose to pay bills or live. I can't even touch my hard earned money that I work hard for because of a scammer that got into my account somehow and took my money to send to his or her friends but now Capital One says its my fault? Why would I send out over $2,000 dollars for the heck if it when I just bought a house and all I wanna do is save my money. So earlier I talk to the supervisor and he seemed like a real tool! He said that they have come to conclusions that I'm at fault basically so they have to close all of my accounts? That is unacceptable. It's a wonderful why Capital One branches are closing down because thier going down hill. I once loved the bank but not anymore and I will take my banking someone else where employees will treat thier customers with respect. So long Capital!!!

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  • author
    Never Again
    2 days ago
    Terrible Policy and customer service

    I had my Capitol One card for almost 5 years. I had auto pay setup. Well the account that had the autopay setup, was closed. I linked my other account. I go to check my card and they canceled it, saying they thought it was fraudulent activity? How? I paid the whole card… and If y’all thought it was some fraud activity why wasn’t I notified? So I reapply, I’m told the information doesn’t match on the application?! Wait…..so y’all check my credit, send a letter asking for Identifying credentials by a certain date… however when I called to inform them that I uploaded what was requested. I was told my application was denied? How? The answer I got was,my information didn’t match what was uploaded, so if y’all received what was uploaded why ask for information to be sent by November 16th 2021.to move forward with the App? I was then told maybe the application auto populated a different ss number. Anyway… it’s not worth the trouble. I hate this company.

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  • author
    Greta Dos Santos
    2 days ago
    The biggest scam artists of all

    The biggest scam artists of all. My poor mother had dementia and 3 years of fraud on her account. CO kept rolling over to a new card and literally stole from my mother. No due diligence or investigation was ever made. Disgusting and absurd. Capital One Scam!

    ...

  • author
    Dean Cauley
    2 days ago
    Really shabby customer service

    Really shabby customer service. No one seems to have answers for anything. They open a claim number, and then when you finally connect with a person they have no idea about the claim. They seem baffled by what are ordinary issues, and seem dumbfounded by basic questions. Every time I call I am left concerned as to how this company is run. Do they have computers or keep records?

    ...

  • author
    Beatrice Govati
    2 days ago
    USELESS BANK

    Avoid this back ! They are useless trust me! Avoid avoid avoid! They kept my money for 6 months now without saying anything or solving an issue! I hate this back like I hate devil him self!!! Customer service doesn't help! And they even stopped picking up my calls! Theift I hate and hate this bank! DO NOT TRUST this useless bank never!!! Mxew!!!!

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  • author
    Victor Dinneya
    3 days ago
    They restricted the use of our account…

    They restricted the use of our account on a Saturday because they wanted information. We called the bank and they said they could not do anything about it until Monday because the department handling that was closed. I told the lady that the policy didn’t make sense and the managers, owners need to fix that. She transferred me to her supervisor but he said someone will call me to fix it in an hour but no one called and it’s not fixed. We needed to buy food but now we have to figure out another way to do it. This is one of the most insane and ridiculous things I’ve experienced with a bank like Capital One

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  • author
    Kl
    4 days ago
    How many time do I have to send in ID!

    Honesty I have sent in id verification twice now. About to be a third time. Capital one looses the paper work but will be quick to place blame anyone but themselves. Also they will pretty call a liar about filling it out. I've been to several Canada post outlets all did not know how to fill out the paper work. Tracking number show the paper work being delivered to capital ones "partner" but my identification paper work are somehow not delivered according to capital one. I'm really uncomfortable with random whoevers having my identification numbers, but capital one pays no mind to that, will only call you liar and tell u u didn't not fill it out or send it. I will be taking photos at Canada post of the form filled out the 3rd time. Nothing worse than being called a liar. You only have your word in life. Really find another company to deal with. Seeing the reviews saying the same things as I really has me seeing how unprofessional they truly are.

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  • author
    D. Spotten
    Oct 16, 2021
    Worst customer service I've ever experienced.

    I've been trying to get an issue resolved with my Capitol One online account that is preventing me from making a payment. I've called customer service 15 times and I get told the same lies every time, and none of the people I speak with puts notes in my account. Today I spoke with Mariah in Virginia, and she couldn't give me her last name or a contact phone number or send me an email confirming our conversation. I'm going to mail a paper check to pay off the card, and I won't be using it again because Capitol One doesn't care about their customers.

    ...

  • author
    Mohamed Maayteh
    Oct 16, 2021
    Unfortunately i tried to increase my…

    Unfortunately i tried to increase my limit but i am not approved even always i pay on time and realy i dont have another credit card but right now i will find another credit card i will close ur card

    ...

  • author
    Steve
    Oct 16, 2021
    Worst customer service EVER.

    Worst customer service EVER. AVOID AVOID AVOID.

    ...

  • author
    Brenda Wooden
    Oct 15, 2021
    THEY WILL STEAL YOUR MONEY

    THEY WILL STEAL YOUR MONEY! INCOMPETENT AND RUDE STAFF! Capital One has been a nightmare from the start. My account has been closed since May 6, 2021 which had thousands in the account at the time. It's now October and Capital One is still holding my money!!! Each time I call to ask about the status of my close-out check I get either someone who is rude, dismissive and argumentative or someone that tells me they aren't sure what the "back office" team has done bc they can't reach that department. The Customer Protection department is horrible (especially Carla & Ketwon). One representative lied in the notes and a supervisor had to listen to the call to prove that she actually did state that she would be issuing my check. On that day, I was told that due to their negligence the check would be expedited. It was literally a month (September 30th) before their "back office" supposedly mailed me an affidavit to sign BEFORE issuing the check. No one had ever mentioned an affidavit being required; more negligence. I called this morning and was then told (by rude Carla) that someone called me yesterday to complete an investigation. How is an account that’s been closed since May just now under investigation? It's literally a different story every time I call. My money is literally being held hostage by this company and no one can assure me that one day I actually will get my money back from Capital One. This is extreme negligence and incompetence. At this point I'm looking to contact an attorney. I regret ever trusting them with my funds.

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  • author
    Maria Perez
    Oct 14, 2021
    My Public Apology! Capital One Agents are Awesome!

    A few days ago I was trying to access my online account but it wasn't recognizing my information so out of frustration I finally called the number on the back of the credit card. I wished I would have gotten the agents name because she was an absolute saint dealing with frustrated me. You see I received a notification that I had a payment due on my American Express card. I found it strange so I immediately attempted to sign on to my online account to ensure that I did actually make a payment, and that is when all the frustration started. I explained to the agent that I followed the prompts to try and reset my password and that the system wasn't recognizing my credit card number. I gave her my social and she was able to pull up my accounts and verify that my accounts were fine and that there was no payment due. Every time I gave her my credit card number I would say my Credit One American Express card and she would then say no your Capital One Master Card. I even went as far as to say do you think maybe your bank took over my Credit One account and she graciously assured me that was not the case. She tried so hard to help me, I was building in frustration and decided to leave it alone. She apologized immensely that she could not help me and we hung up. While I was hanging up I dropped my card on the floor and picked it up noticing that the credit card felt thick. I got my glasses and realized that there were two credit cards stuck together. I was so embarrassed by my frustrated attitude and wanted to find away to apologize to the agent. I couldn't get her back on the phone so I thought I should make a public apology. I'm so sorry and Capital One's agent was very professional and extremely patient. Kudos to Capital One's Customer Service Agents!

    ...

  • author
    Fred Trezz
    Oct 14, 2021
    Hey guys

    Hey guys, check out our exclusive wealth management offers at Mirrorassets Com k. Don't hesitate to reach out to any available chat agent online on our website or contact support directly for any enquiries.

    ...

  • author
    Tony
    Oct 14, 2021
    Service sucks

    I tried Platinum Secured Card and I never received any information about my balance. I tried logging in its website as well as reloading its mobile app but no information about the card can be found. It took 2 weeks the app notify me about my credit. Yet, I still did not receive any details about my balance. Luckily, I got a mail about it in my first month. However, it processes very slowly I cannot use the card in the second month. When I started to use it again in the third month, no information can still be found and no letter was sent to my house either. I ended up paying my balance late. Guess what? Now, the information just appeared on the web application. The guy in the Lee Highway branch was also rude. He said it was all my responsibility to contact the bank and that I had so many days to pay but I did not. But is not it the bank responsibility to inform their customer? Or at least, just think of it in term of a good service to do so? I hate this bank and will never be its customer again!

    ...

  • author
    Renee
    Oct 14, 2021
    Beware new credit cards have issues, per Capital One rep

    Awful customer service. Had one credit card and my statements were always wrong saying my balance was $0 after I had already used the card multiple times (this happened every month, for 3 months). One rep told me they’ve been having issues with their “newer” cards, but other reps would not admit this. I got tired to calling every month about my statement having no balance. I canceled the card completely after calling and paying off the balance in full. My credit score, which I was attempting to build, dropped by 60 points for closing the account (despite being in good standing when closing). I called customer service again requesting to re-open the card, as it had hurt my credit score to close the account. They rejected my application to re-open the card, despite the fact that nothing had changed with my credit or finances since I was first approved - The only recent credit change, was my score dropping, due to closing my account, an action I would not have taken if Capital One’s system did not create issues with my statement every month. Despite rejecting my application to re-open my account, they still constantly send me pre-qualified “offers” via post mail. What a joke. Will never open a card here again.

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  • author
    Jan B.
    Oct 14, 2021
    Consumers be AWARE!!

    Capital One is horrible. They really know how to market and bait customers in when they can’t deliver on their promises. I’ve been a customer of CapOne for nearly 7years and recently since the pandemic the customer service has went downhill. Recently, my identity information was compromised and charges were made to my Capital One credit card. They did a good job investigating and got the situation handled in a timely manner. My issue came in when they reported the fraud charges as MY BALANCE to the CREDIT BUREAUS. I immediately reached out to them to advise them of the mistake. They then asked me to send ALL of my identity information through the mail!?! I told them how my identity information was compromised and they told me there was nothing else they could do to correct THEIR MISTAKE unless I sent this sensitive information through mail which is UNSECURE! I sucked it up, and just felt I’d rather take a loss of a few credit points then to jeopardize my identity again. A month later, I notice more fraud charges and I call to update them. Again, they did their part with investigating and assisting. BUT once again, they reported an incorrect amount to the CREDIT BUREAUS causing my credit score to drop MORE! This time I was fed up. I called Customer Support and they didn’t want to help. I spoke with a Senior Account Leader and asked for someone above or an alternate email and she didn’t comply. She insisted there was no one else above her nor was there an alternate email she could provide me. I took matters into my own hands, and did some research, directly on Capital One’s website there’s an email address under corporate contacts for customers to send complaints! Well how come the Supervisor didn’t provide this information? Needless to say, this company is in it for the money, not customer service. Just be aware and do your research before opening an account with them.

    ...

  • author
    Kristina Lattanzio
    Oct 14, 2021
    Bank elsewhere

    I have not had a good experience with Capital One. I opened a 360 account a couple years ago, and just in the last year I've been hit with numerous fraudulent charges. Currently waiting on my 3rd replacement card which will take 10 business days to arrive. I've never let anyone else use my card, I even check for skimmers before I swipe it anywhere, yet my card info keeps getting stolen. I've NEVER had this problem with any other bank and I really don't think it's just bad luck. Customer service is all outsourced. They've never been outright rude to me, but calls tend to be unproductive, awkward, and take far longer than they should due to the language barriers. Lots of ummms and aahhhs, script-reading, and having to repeat my issue several times. And why is there still no way to email customer service? It's 2021, why do I still have to call a number that's only open till 8pm and wait on hold forever? Very inconvenient and frustrating. My other bank is a little podunk regional bank and even it has a messaging system and 24 hour CS. Honestly though, what irks me the most is all the junk mail. I get at least 3-5 "preapproved" credit card offers in the mail every month that I have to shred. Do you people hate the planet? Stop making so much trash! They're not even actually preapproved either, it's just an application with a disclaimer that the $300 limit 27% APR card is subject to credit approval. Yeah, I think I'll pass on that -__- I can't find anywhere online to opt out of these offers and the last time I called in about it, I was hung up on. Lastly- I'm really starting to think they sell your info to 3rd parties too. As soon as I started getting the credit card offers, I started getting all kinds of other junk mail too. Auto refi offers from various other banks(for my *paid off* car), sketchy car warranty offers, and a drastic uptick in "scam likely" calls to the number on my account. Coincidence? Possibly, but I have my doubts after how many times my debit card has been compromised. As soon as these last SIX fraudulent charges get reversed, I'm withdrawing my remaining balance and closing my account.

    ...

  • author
    christ
    Oct 14, 2021
    mensonge

    mensonge a chaque fois que vous payez des frais ils en redemandent . le maitre mot faites nous confiance

    ...

  • author
    Jennie
    Oct 13, 2021
    Worst bank ever

    Worst bank ever! First they closed all the branches within a 10 mile radius and the few left open have constant long lines. Then they make you get a debit card to do your banking which I did not want and now my account got hacked and I am unable to reach anyone on the phone to resolve it. Literally hours of being on hold,’listening to that awful music and then when someone finally answered they’re phones were breaking up and then we were disconnected. So much for their great customer service!! Money is not safe in this bank

    ...

  • author
    Joshua P.
    Oct 13, 2021
    I regret doing business with CapitalOne

    I regret doing business with CapitalOne, and would not do so again. - "Used car salesman" pressure sales tactics. - Extremely difficult to reach representatives. - Unnecessary "hard" credit checks.

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  • author
    Chanell McClure
    Oct 13, 2021
    I HATE CAPITAL ONE!!!!

    How can a bank not know how to give an accurate balance!!!! I have a 360 account and my balance US NEVER RIGHT!!!! THEY ARE DUMB AF!!!! I went to one of their branches and no one could explain to me why the balance was wrong and why the previous balances were wrong. I called customer service and spoke to a manager and she couldn’t explain why the balances were wrong. I get text every time I make the purchase and what they text me NEVER MATCHES WHAT THE APP SAYS. HOW THE HELL IS THAT POSSIBLE WHEN THE TEXT MESSAGE COMES FROM THEM!!!!!! TRAAAASH!!!!!! They recently sent me a text with a balance that is higher than what’s in my account according to the app; which is probably wrong anyway...they’re so disturbingly STUPID AND ANNOYING!!!! They DOUBLE CHARGE ME EVERY TIME I USE LYFT OR UBER!!!! I HATE CAPITAL ONE!!!!!! THEY NEED TO GO OUT OF BUSINESS!!!!!!!! I have to find a new bank IMMEDIATELY!!!!!

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  • author
    Shane O'Fallon
    Oct 12, 2021
    I've had it with capital one

    I've had it with capital one, they've had $8700 of my money for over to months now and won't refund it back, I've called them repeatedly (each call is an hour long no less) And they say we'll send in 7-10 days but never do! No matter have the rewards stay away from capital one credit card.

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  • author
    Troy Harrison
    Oct 12, 2021
    Customer last mentality.

    I use Capital One for a credit card and I had an issue with Snaptravel returning my money unfortunately Capital One took the side of the company and not the customer when I did send all the evidence proving what had happened, I pretty much got money stolen from me and it seems like Capital One didn't care.

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  • author
    Amin Mohammad
    Oct 12, 2021
    I lost my debit card and phone someone…

    I lost my debit card and phone someone access in my account and and do lot of wrong things in my account when I lost my phone and debit card lost I try to stop my card and call capital one bank gentleman say today Sunday debit card department close..and call tomorrow Monday...this is a bank....

    ...

  • author
    Liliia Radchenko
    Oct 10, 2021
    The company that support scammers

    They have a terrible customer service. And they support scammers. I had purchased an item from a Fecebook ad and they sent me not what I ordered. I contacted Capital One and they said there was nothing they could do about it. When I disputed the charge and sent them all the proof of the scam that I got into, they took over 60 days to look into it and then said that the case has expired and they are not going to give me a refund. It happened twice already! They always support scammers because they don’t care about the customers, but they make profits from any transaction. Absolutely disgusting! I closed the account. Don’t ever want to deal with this company 🤬

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  • author
    Alex Shurts
    Oct 09, 2021
    Was swindled 135.04 dollars. Capitol One didn't side with me.

    This is my review of my experience with Capitol One and why you should not apply or bother to consider their credit card services since their customer service is horrible and they do little to nothing to protect their customers from fraud. On January 14th I bought 4 spy cameras and 5 Samsung SD carts from a United Arab Emirates website called Desert Cart. All together the stuff cost me 216.00, but while the 5 micro SD carts worked, the Spy cameras I bought didn't have a functioning scan code needed to activate them costing me 135.04 dollars for all four cameras that won't work. I've attempted to ask for a refund for the spy cameras, but sadly, the website insisted on having someone pick up the things personally. I waited weeks and to no avail. Upon giving up hope that anyone would come and knowing that no one has come to pick them up, I had ask for a transaction dispute on February 25th and temporarily I got my money back. Then on March 20th I my refund has been reverse and I now owe 135.04 dollars despite evidence that no one is coming to pick these things up. I tried disputing the charge, but my dispute was eventually reversed since Capitol One merely because Capitol One allowed this fraudulent site to dispute back. I spent the next couple months contacting and pressurizing customer service on Desert Cart and finally I reached an agreement with them to ship the items back, yet when they arrived at their destination they still refused to give my money back because my credit card number had been changed due to a suspicious charge that forced me to get a new credit number which may or may not be connected with this site. Yet they refused to let me give them a new credit card number and not only refused to give my money back in any way, but the site won't ever let me put in a new credit card number indicating that they are trying to cover everything up. To make matters worse, the kept asking for my bank account information as the only alternative to get my money back. I refused of course since that's sensitive information, yet despite giving Capitol One all the evidence they should need that I was swindled they refused to give my money back since far too much time has gone by. I had to cancel my Capitol One card as a result. Stick with Discover. They at least their appeal system works from what i've experienced.

    ...

  • author
    Bri
    Oct 09, 2021
    I’ve never had so many issues with a…

    I’ve never had so many issues with a bank account before. If your phone number is not in your name they cannot help you. They take money from your account because they’re double charging and they suck. I hate this bank account and if my one voice could make the biggest difference and get the shut off I would. They customer service team is nothing but foreigners which is never a problem but nobody is easy to understand and they talk so fast. This was the only hank account that I’ve ever argured with an employee over money that I PUT IN THERE AND THEY DOUBLR CHARGE ME FOR. It took about two hours and a messed up credit score ( threatened to sue ) that they were able to investigate.

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  • author
    FRANK KIRSCHENHEITER
    Oct 09, 2021
    "CAPITAL ONE: Bait and Switch"

    "Bait and Switch": They advertised 60 second decision on application for "Quicksilver" credit card, $200 cash back on $500 purchases within 90 days and 15 month 0% APR on purchases. I was accepted within 60 seconds but then they sent a "Quicksilver One" credit card, with a monthly charge and NO $200 reward and NO 0% APR WITHOUT notifying me of the 'Bait and Switch' until I received the card in the mail and called to ask why no benefits as advertised as I applied and was accepted for.

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  • author
    Jaime Ford-Smith
    Oct 08, 2021
    I DO NOT RECOMMEND CAPITAL ONE TO…

    I DO NOT RECOMMEND CAPITAL ONE TO ANYONE!!! I WOULD NOT EVEN GIVE IT A 1 STAR EXCEPT IT'S REQUIRED FOR A REVIEW. AM SO DISGUSTED WITH CAPITAL ONE. WHEN I LINKED MY BANK ACCOUNT I HAD TO HAVE A 3-WAY CONFERENCE CALL WITH MY BANK AND THEM TO PROVE IT WAS ME MAKING A PAYMENT ON MY ACCOUNT. IT WAS VERY TIME CONSUMING AND IRRITATING. THE SO-CALLED CUSTOMER SERVICE REP COULD BARELY UNDERSTAND ME AND VICE VERSA. SHE DIDN'T EVEN KNOW WHAT WAS GOING ON SO I HAD TO EXPLAIN TO THE BANKER AT WELLS FARGO AND SHE COULDN'T BELIEVE IT EITHER. SHE COMMENTED ON HOW RIDICULOUS IT WAS AND HOW DAFT THE CAPITAL ONE EMPLOYEE WAS. THEY TOOK THE PAYMENT AND HAD TO ASK THE BANK IF IT CLEARED??? WHAT??? THEY CERTAINLY DIDN'T MIND TAKING THE PAYMENT 10 DAYS BEFORE THE ACCOUNT WAS "ALLOWED" TO BE LINKED BUT THEN THERE WAS A PROBLEM. I MAKE MY PAYMENTS ON TIME EVERY MONTH AND THEY TAKE THE FUNDS IMMEDIATELY. HOWEVER, THERE IS A 7-10 DAY HOLD ON THE CARD EVERY TIME BEFORE I CAN USE IT AGAIN. WHY HAVE ONE???

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  • author
    Jimmy Myers
    Oct 08, 2021
    Absolutely dreadful

    Absolutely dreadful, I make payments from a capital one checking account to a capital one credit card and the funds are immediately taken from my checking. THEN it takes 7-10 days to reflect as a payment to my card. Spoke to customer service and they said you have to make the same amount of payment from the same account. So did that repeatedly and still 7 days with it out of my capital one checking and not reflecting in available balance. REAL REASON IS THEY DONT WANT YOU GAINING THE REWARDS

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  • author
    Michael Reader
    Oct 07, 2021
    Unprofessional

    After 4 years at Capital One I started having issues logging into my account/using my card due to being overseas without access to my US phone. After 4 months, Capital One has not been able to help me out and I've been left without a credit card. All they tell me to do is wait another 3 weeks for them to figure out what's happening. I'm happily closing my account and taking my business elsewhere.

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  • author
    Charlu S
    Oct 07, 2021
    Despicable Company …

    In the beginning of course there are no problems as long as the payments are made on time, but when the pandemic started and I was hospitalized several times the problems began. A few times my payments were late but made and once even late fee was waived. The when I literally almost died and needed a payment arrangement they did comply but no late fees were waived. The clincher of despicable was when I made my payment arrangement on time (set up direct) THEY CHARGED ME ANOTHER LATE FEE WHEN I WASN'T LATE!!

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  • author
    Myster Zork
    Oct 07, 2021
    Bad Customer Service!

    We recently had to change our home phone number and when signing on to Capital One, it said that it had to send use a special code to: (the number they had on file was our old number)....SO...Had to call customer Service. TERRIBLE ATTITUDE from the rep!! She was MAD at us for not having a cell phone OR another number that she could call.........WHAT? All we called for was to change our NEW home phone number. We did this Exact Same Thing with all of our other financial institutions without so much as a hitch...BUT...With Capital One......It was TERRIBLE!!!!

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  • author
    MICHAEL HALL
    Oct 06, 2021
    This company is horrible

    This company is horrible. I have 2 cards with them 1 being over 2 years old. Never missed a payment in over 2 years and they refuse to give me a credit increase. Worthless card to have when building credit as you will never be able to get limit higher then $500

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  • author
    Aaron Potier
    Oct 06, 2021
    No Longer Customer Oriented

    No Longer Customer Oriented. Capital One put out all these commercials about how their locations are set up customer friendly and setup like little quaint coffee shops. Well, they are closing many of their locations. So far they have closed 2 that I used and now I have to drive further to get to a branch. You now have to make an appointment to open an account and can't walk in. The staff is nice but the bank is now set up for mostly online users. A small business owner would not like it at all. The business accounts aren't set up for low balance alerts so they are raking in their nsf fees. I have 4 accounts with them and a low balance alert would have prevented me from getting 9 NSF fees that they charged me in 36 hours. I could have easily transferred over to the account that covers my daily use. I'm about to now take all my accounts elsewhere. Don't open an account here. Next week your branch may be closed too

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  • author
    C Fortes
    Oct 04, 2021
    I was charge annual fee of $39.00 for…

    I was charge annual fee of $39.00 for my card , I call this morning to see if the annual fee could be waive and I was told the fee needed to be pay , I told the customer service supervisor of my situation which I just lost my job and could not make the annual fee payment , I have not use the credit card for quite a while and is zero balance on the account but still I'm told I need to pay the $39.00 , I'm not happy with capital one , this company prefers to lose long time customer for a $39 annual fee.

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  • author
    Конь С Яйцами
    Oct 04, 2021
    I am having a Capitol one credit card…

    I am having a Capitol one credit card for 10 years. When I applied for this one they gave me a $1750 credit limit. And its still the same!!! After 10 years!! Every year they've been asking me for my income and its being growing every year but the credit limit is still the same! Is it a joke? I have a credit cards from different banks and the lower offer was $15000. Stay away from Capital one if you can...

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  • author
    Don Juravin
    Oct 03, 2021
    34 min wait time only to get Brono who…

    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.

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  • author
    Maribel
    Oct 03, 2021
    It is ok

    Since the Pandemic, it has not been easy for even banks to visit, so they have opened their accounts online and have been using them well so far. I am getting points from many places and my credit score is also rising. For me, whose income expenditure is not large, it is somehow satisfactory.

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  • author
    van avery
    Oct 02, 2021
    Worst bank ever

    Worst bank ever, can't even use the account because the banks horrible system can't update a phone number. Customer service is a joke. This place is a COMPLETE SCAM 100%

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  • author
    Dawn Repchinski
    Oct 02, 2021
    I have a credit card for for the last…

    I have a credit card for for the last month it has been linked to an account for mere hours. No one can fix it and after 8 telephone calls I get the SAME explanation with no help what so ever. Horrible customer service. How can my account work perfectly after 3 weeks for 3 hours then be blocked again and will ‘be fixed’ in 3 days. Quit reading from a manual, confirm you don’t know what you’re doing and fix My account. How hard is it to be truthful and do your job?

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  • author
    Barry
    Sep 30, 2021
    Will kill your credit score

    After receiving an offer to apply to "pre-qualify" with this shady credit card company, I unfortunately took the bait. I am very careful about racking up unnecessary hard inquiries, so I took the bait. I figured since my score was 744, and I had a balance of $0 on all accounts, why not? I was sure to get this card! NOT! They not only turned me down, but continue to report hard inquiries on my credit reports long after I applied. STAY AWAY!

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  • author
    Dont need to know
    Sep 30, 2021
    This people dont deserve not even a…

    This people dont deserve not even a star they rip you off big time..they close my acount for legal purposes never heard of that a year ago..what my court got to do with me paying on time my card never missed one payment..ok after I found out still have a balance even I that they take money of my account anyway I ask for payoff and they told me as of yesterday ok I paid off and gone ,today I see they took a payment of my account ..and now they say I have a crdit of $7 well they should pay me back the amount they took out ,I called and they say interes than why I ask yesterday for full payoff with interest when same day they took money of my acount and again interest..stay away..staw away

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  • author
    TM
    Sep 30, 2021
    Just opened my Capital One credit card…

    Just opened my Capital One credit card account and found out, after sending in a large payment, that they're holding my payment for TEN DAYS. The bank account i used to make my payment is established, I've had it since 2013 but they're still holding my payment to "verify" it. That means I won't be able to use that available credit until they release the payment. DO NOT open an account with Capital One. It's a scam, most of the customer service is outsourced to 3rd world countries and the service is awful.

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  • author
    Frank Ocepek
    Sep 30, 2021
    I’ve had capital one for a couple years…

    I’ve had capital one for a couple years the last four months they charged me for YouTube $79 which I don’t use every month they sent me a new card got my payment due it’s still had the same charging on it what’s the scoop!!! I was on the phone for almost an hour and they said they had it handled they gave me the same number on my card I took the same amount out of my credit card from YouTube!! What’s the problem!

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  • author
    Bob's Your Uncle
    Sep 29, 2021
    we have 9K limit on card

    we have 9K limit on card, we use the card for 13$ a month, we don't see need to make a minimum payment when balance is only 13$ and it gets paid off, they say we are delinquent and are raising rate to 25% You call them and its a call centre full of noise with no access to anyone that knows anything other than what is on their cheat sheet in front of them. You ask for their Executive Response Team or Supervisor or Account Specialist and NADA!! Your on hold till the call drops which they say they have a bad phone system, so expect to get dropped. NOT HAPPY!!!,

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  • author
    Reid
    Sep 29, 2021
    making advantage from your hypothesis…

    making advantage from your hypothesis can be the best thing that can occur. I have assessed different associations and I have been beaten to it. everything improved and I was happy when I found stratsmining . com in light of the fact that I wasn't frustrated with the plans and the way wherein I was making advantage

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  • author
    todd
    Sep 29, 2021
    Have spent over million dollars on card…

    Have spent over million dollars on card in last year had fraud charges on my card for $1,200 and they refuse to help or tell me where charges were made. Do not deal with them

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  • author
    Ev Mayfield
    Sep 28, 2021
    Experience hasn't been to great with…

    Experience hasn't been to great with this company. I moved and had a hard time with the rep updating my info to even get sent a new card but they can't catch fraud when it happens. What a joke. To make matters better they never updated my telephone number on the initial call so guess who got to call back and had to go through another long ass process. After 2 year you guys really need to get it together.

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  • author
    Charles
    Sep 28, 2021
    Capital one doesn't help the disabled. They Don't Care

    I ended up being disabled on SSI and of course I had trouble making even a minimum payment. I called to see if a settlement could be met or if they could somehow lower my APR since i'm on a fixed Income. So I went to incharge to pay off my debt and gave me a very very low payment. It will take me a few years but everytime I called capital one for help they of course said they couldn't help. It's an insult when they pick up the phone and ask if they can help you the first answer I say is nope you can't you always say no. It's there favorite word. Thank god my account is closed. These people are horrible don't ever do anything with capital one.

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  • author
    Mike Jack
    Sep 28, 2021
    Unauthorized cash advance charges!!!

    I used a capital one card to pay for a cash car. Capital one charged it as a cash advance without my permission. I have never even used a capital one atm, let alone used my card for a cash advance. That was two years ago. Every month I get charged a cash advance and cash purchases charge which adds up to about $100 per month. I’ve called customer service twice about this issue and they deny that the cash advance charge was unauthorized and refuse to fix the problem . When I call it’s always a foreigner that speaks poor English. I am hustling to pay my capital one cards immediately. I know it would hurt my credit to close paid off accounts but getting out of business with this fraudulent company is more important.

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  • author
    Shannon
    Sep 28, 2021
    Do not get a Capital One 360 Checking Account!!!

    Customer service is a complete joke. The managers are useless and have no idea what they are doing! They transfer you to other people without notice. They double charge you, blame the merchants when its Capital One doing it. Then they hold YOUR money hostage for as long as they want. Worst bank in the history of banks. Changing banks immediately and I recommend you never join Capital One!

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  • author
    Martin Nwoga
    Sep 27, 2021
    Worst credit card company to use

    Worst credit card company to do business with. I had two Capital One credit cards for 2 plus years and they closed my account. Due to an error from credit union. A representative insisted that I would get a call in 3 to 7 business days. Of course no call and they closed my account. I will never use capital one again!

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  • author
    Savannah Nibler
    Sep 27, 2021
    I feel disappointed with Capital one.

    I get that late fee’s are there to help keep you on track. I fell off of my track and I paid when I was able to and had money to. But I felt like I could not catch up because of the late fees. I called in hopes that they could be understanding and help me out with even just a couple of the fees. I know damn well capital one is floating above water while everyone is sinking during tough times. But all I got back was that no one could help me, not even the supervisor I talked to. Then they had the nerve to say “is there anything I can help you with.” I said “well you were not able to help me at all. So no, but have a great day.” It is sad that they cannot help someone in the that persons toughest part of life. I get that the fees are there for a reason. But I have been making payments when I CAN. I just feel so disappointed with the credit card company I picked.

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  • author
    Marco
    Sep 26, 2021
    Unwillingness to provide information on return of deposit

    Capital One provides a decent option to start building your credit with secure cards. HOWEVER, they will claim your deposit will be refunded at some point, but after almost a year of never missing payments I called to inquire when. They said it could be tomorrow, it could be in 100 years. They cannot provide any specifics on how the decision is made and we have no access to those making that decision. In addition, it seems impossible to increase your line of credit with that card.

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  • author
    Karen Harrison
    Sep 26, 2021
    Horrible customer service!

    In an attempt to help an elderly relative who had $3,500 fraudently removed from his account and transferred to a "Barclay" account (he has never had a Barclay account of any kind and had never even heard of "Barclay"), I am so frustrated due to the lack of customer service and will now be closing my own Capital One account. Almost impossible to get through by phone and no email address to use for correspondence. After numerous attempts and 45 minutes on hold finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which "denied the claim of fraud". After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to home address. It has been exactly one month and have received NOTHING! Numerous other attempts to reach Capital One via phone have resulted in long wait time (45 mins plus), transfers and hang ups. Have also sent by fax (the only other means of contact I was able to find) request for said documents including detailed info regarding this request. STILL NO RESPONSE! Worst bank ever, customer service basically non-existent!!!

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  • author
    HG
    Sep 25, 2021
    Grateful, but not as good as they were and I'm still paying some fees

    Ive had two accounts with them for years. And both were absolutely great until maybe 3 or 4 years ago. Then suddenly I was getting locked out and told my usage was suspicious(walmart haha). I had not reported the cards stolen. And they were paid up. But suddenly I was getting declined and frozen. You have to call now and go through a thing with customer service. And mostly they dont know what happened either. Maybe they could undo their fraud protection or switch to one that works a little better? I'd love that! Posting this here only because they haven't been able to give me a contact for it. Thanks! Other than that quite good.

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  • author
    John Candlish
    Sep 25, 2021
    Horrible

    Horrible. Customer Service is non existent. Will never use Cap One for anything ever again.

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  • author
    Donyell
    Sep 24, 2021
    The Worst and I mean the absolute worst…

    The Worst and I mean the absolute worst customer service. They claim they cannot resolve any issues on my account and just closed my cards. No one can give you answers and they will not let you talk to anyone higher than a general manager. I was a loyal card holder for three years with no late payments. I am beyond disgusted with their customer service and will never ever open a capital one card again.

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  • author
    Gita Ansari
    Sep 24, 2021
    Poor or customer service

    Poor or customer service. I made a big mistake to open a credit card with them. They make mistakes back and forth. You need to call them multiple times to get something resolved but still remained unresolved. The representatives or supervisors are not even able to answer simple question.

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  • author
    chosenoneholy
    Sep 24, 2021
    To Whom It May Concern

    To Whom It May Concern Ones I’m doing paying this off which will be in the next 2 months I’m done with capital one. Insensitive company and customer service reps, I ask to have my late payment fee(I went over by 3 and half days) waived and they would not do it. Knowing that people are struggling now a days. Every time I make a payment I have overpayed on a $27 dollar payment. Last month I payed $50 today I payed $100. The reason I got this card was to get extra boxes of ammo. But I’ll cut it up and close the account here in a couple of months or before. STAY AWAY FROM THIS BASS PRO SHOP credit card and AWAY from CAPITAL ONE CREDIT CARDS period. Shop around they are better monthly percentage rate cards out there. David PS: You guys need to learn to pick your battles, specially with someone that over pays every month. It’s my lost this time because I’m paying the lousy $27 late fee, but it will be your loss when I close the account and others read this article and they decide to go with a different company for their credi card business.

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  • author
    me
    Sep 24, 2021
    Worst bank STAY AWAY

    Worst bank STAY AWAY, have a joint account, with daughter whose in college, everytime they want to verify something, they insist in speaking with her. What's the point of a JOINT account???

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  • author
    jeff twigg
    Sep 24, 2021
    On September 8

    On September 8, 2021 my wife erroneously paid a $355.36 capital one credit card bill by missing 2 decimal points and paying $35,536.00. I contacted capital one the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on September 13, 2021 capital one again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now September 24th and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as capital one.

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  • author
    JOANN RUGART
    Sep 24, 2021
    I have been making payments on an…

    I have been making payments on an interest reduction plan on a closed account. Oh but the best part is that they didn't tell me the account was closed... Oh no no no... They even sent an email congratulating me on making all my payments. Lol what a f***** joke. I would never to recommend this shady company.

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  • author
    Amar'e Valentine
    Sep 23, 2021
    Service and card sucks !

    Service and card sucks !! You can’t understand what they are saying because they don’t speak good English. The attitude is what really throws me through a loop and not to mention transferring you multiple times without acknowledging it. Even during the most difficult time , they were not considerate. they took money from my account after I submitted a request to skip this month payment due to financial hardships . There was nothing done. Now I’m hopeless and helpless because it was my last.

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  • author
    M Mears
    Sep 23, 2021
    Worst customer service EVER

    Worst customer service EVER. Used the card exactly once ... never again. All hype on their incessant TV commercials. Full incompetence regarding customer service. Too many other choices to waste your time with Capital One.

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  • author
    Hazim Azhari
    Sep 23, 2021
    I closed my account because stupid…

    I closed my account because stupid customer service. The owes me refund for overpaid payment. One month later and no refunds. This is a worst experience I ever had with Capital one. Customer service agent can't communicate properly, I had hard time understand what they are saying. Put me in hold for over ten minutes three times. Capital one please clean your act.

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  • author
    Lo Noy Cer
    Sep 23, 2021
    CUIDADO CON ELLOS

    CUIDADO, no abras tu cuenta en capital one , pésima atención al cliente y no hay donde dirigirte mas arriba . Hablé con un representante para cerrar mi cuenta pague por completo y el representante nunca me dijo de un fee de 1.25 . Yo confiada de que la cuenta ya estaba cerrada rompí plásticos y todo después de dos meses de no saber nada de ellos por ningún medio de contacto me llega un bill de 97 dolares por late fee . Expliqué mi problema la primera persona no solucionó nada aceptando el error de ellos y la encargada de la cuenta tampoco arreglo nada además que según ella en su sistema si se envío todo . No hay con quien hablar más arriba ni quien solucione este tipo de problemas de errores que ellos mismos cometen . CUIDADO

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  • author
    Jim Sterling
    Sep 21, 2021
    Capital ones fraud department is extremely unprofessional

    I paid off my card, a $18,000 balance, but while doing that I setup a payment from a closed account. It didn't go through so I corrected the mistake and then successfully paid off the balance the next day. which it would seem they were more than happy to take my money. Because of the mistake with the closed account, my card was suspended. Unfortunately the bank that closed account was at is also closed and I made a dozen calls over 2 months trying to resolve this. After repeatedly explaining the situation I was told every time that they would check on what could be done and get back to me. I never once heard from them. I finally asked for the fraud department manager who told me without a statement from the account my card would never be unlocked. I was happy with capital one until this. Eventually they will close the account themselves for inactivity and I will never under any circumstances do business with these clowns ever again. This was so over the top ridiculous and their total lack of follow through especially for a company of this size is unbelievable. Its no surprise that Capital one is rated at 1 star. I assume they get the one star because no stars isn't an option. Nice how they were perfectly fine taking my money and totally unwilling to do business with me afterwards.

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  • author
    Tracy S
    Sep 20, 2021
    Trying to upgrade my Capital One card…

    Trying to upgrade my Capital One card and they want to charge me an annual fee for a no annual fee card. Sounds illegal to me.

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  • author
    Jon
    Sep 20, 2021
    Capital One is the far worst Company ever

    Capital One is the far worst Company ever. They take advantage of you. Capital One doesn't care about you or to help you out when your in a bind. All they care about is $$$$$ When you pay off your balance to $0, next bill shows a charge for interest on a $0 balance. WTH? I've been with capital one for about 3 years never asked for help when in a bind or waive a late charge or waive interest charge. Today I needed it and the representative didn't help me out. He said No! He transferred me to a supervisor named Bernice to help me out cause i was in a bind and her answer was No! and explaining to me that i still had to pay the interest charge even though I paid my balance. I will never refer Capital One to anyone. They never ever do care about customers. I should have listen to other people and read other reviews before opening an account with Capital One. Well Capital One lost another customer. In conclusion Discover and Synovus are far the best company's. I have both and had no problems. Great Customer service, very polite. They care about customers and will help you out. If your in a bind they will do there best and go far beyond to help you out.

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  • author
    Dave Mack
    Sep 19, 2021
    Customer service has gotten worse and…

    Customer service has gotten worse and worse. They are trying to do everything electronically, and are not very good at it. Their fraud system is ridiculous as well. They don't allow Paid, which causes problems with most things online. This company has gotten terrible.

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  • author
    Jennae Temple
    Sep 19, 2021
    Going to be paying off this card and…

    Going to be paying off this card and going elsewhere with a quickness. Six days late on a payment and the card gets frozen. I’m late so there’s nothing weird there right, except, I’m always late making the payment because of the way my paychecks cycle. I’ve gone as long as two months before because of Covid. Never once had an issue, until I completely pay off the card, make a couple transactions and I’m six days late. We paid off 5,500 to 0. Not only that, but when I paid off the card, I got hit with an interest charge three days after I paid it off! When I called to explain all they kept saying is I am six days late. I asked about their grace period and if you’re going to freeze my card that means you’re not gonna charge me a late fee just my cards get frozen, right? Oh no we charged you a late fee too of $29 and there’s no grace period. Not only is there a late fee, I have to wait for my payment to process so my card is no longer frozen and transactions I made almost a week ago I now have to go back and re-process when the card is no longer frozen because the payment didn’t go through because my card is frozen! We have had this card for almost 7 years. Even though the payment history is usually late it is ALWAYS paid so why on earth after 7 years of the same way I do my bills are they freezing my card!?

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  • author
    jacilyn
    Sep 18, 2021
    I have always experienced good customer…

    I have always experienced good customer service from them and they are friendly in assisting you with your bank necessities.

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  • author
    Nicki
    Sep 18, 2021
    The system software has had a glitch…

    The system software has had a glitch for months not allowing customers to open a new account type, the application process goes in a circle loop. Customers contact customer service who guarantees this is fixed, no problem and yet it is not rectified. After requesting a manager, the manger reported that the system is broken and has been for many months. Management also reports they will request for support to be returned in 20 business days but they cannot help you open an account.

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  • author
    L SEVERINO
    Sep 18, 2021
    This is the worst secured card I’ve…

    This is the worst secured card I’ve could have fallen for and gotten with me and my young daughters name on it to improve my credit and get her started They approved me for 200 but I paid $300 for the card And they stole my $300 and claimed I owe $400 and some change How????? They claimed the money wasn’t there on the due dates but returned my payments until they closed the account mind you I scheduled my payments way before the due dates and paid more than the minimum payments every time…..!! and I did not have the card more than 3 months 😡😡 😡😡😡 every customer service I spoke to said something different when asked why is my account closed I asked to pay whatever balance they claimed I owed today so that it doesn’t end on my credit and mess my daughter up they declined And told me to write a bull letter just……. to pay more money than I originally paid to get the card from them 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️ I swear you guys will go straight to hell for this stealing from innocent people DO NOT DO ANYTHING WITH THEM

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  • author
    Nicolas Duff
    Sep 18, 2021
    TERRIBLE!!

    TERRIBLE!!! customer service. Could not understand a word the agent said. Sent me to automated service. They disconnectes me. I now am on the phone with a new agent while i write this review. I would not ever expect customer service from them.

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  • author
    J C
    Sep 17, 2021
    Don’t use them they like to take money…

    Don’t use them they like to take money from single parents and make you struggle while they act like they don’t know what’s going on. They are useless your money won’t be safe here and they are not helpful at all

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  • author
    Jo
    Sep 17, 2021
    Don’t open checking account

    Don’t open checking account. Customer service is a joke. Have called 3 times and have been given different dates each time as to when I will receive my money. Today I was told it would be the end of January 2022 before I saw the money.

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  • author
    Jason Holland
    Sep 16, 2021
    Absolutely disgusting!

    Absolutely disgusting!! Tried to claim for a damaged item, I gave them everything they asked for have the cheek to turn to me and say I didn’t not supply everything they asked for. They still expected me to pay and not give me a refund I was entitled to. The customer service is shocking they also accuse you of sending stuff to the wrong email and tells you to reply through the dispute address. Which everything was done. Will be glad to get out of capital one avoid at all cost not worth it.

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  • author
    Dequaun Florence
    Sep 15, 2021
    This bank is horrible

    This bank is horrible! They are die hard fans at placing extended holds on just about any check over $200.00 and love to make excuses or leave you on hold only to never return. This bank needs to just close forever. Don't do business here...you might get discriminated against.

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  • author
    Mr.D
    Sep 15, 2021
    Capital one is thee most shady Bank…

    Capital one is thee most shady Bank around. Do not trust them you should go to any other bank over them. they kept never reached out to me but once when i had bank issues. they made me wait 3 months to close my account becaue they said their was possible fraud. which their was none. After gettin the false fraud taken care of they told me they had to close my account becaue the company themselves took to long. it took them 3 months to do nothing. This is a lazy institution, Do not to invest your hard earned money to these people who dont care about you.

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  • author
    aikea hassell
    Sep 15, 2021
    THE WORST CUSTOMER EXPERIENCES EVER FOR…

    THE WORST CUSTOMER EXPERIENCES EVER FOR 6 years

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  • author
    MN
    Sep 14, 2021
    Useless Bank Account

    Been a 10-year customer and my experience just deteriorated over time to the point where I've been unable to access my accounts when I needed it the most. Their cafes are basically useless and they barely have any actual banking locations so if you need to get anything done, expect to take at least a week to get the job done.

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  • author
    Tim Schwent
    Sep 14, 2021
    BAD EXPERIENCE AGAIN

    This credit card company allows credit for "walmart" Master Cards. I had over 810 credit ratings (until after this fiasco) with 100% on time payments and no derogatory remarks and was denied the best walmart rewards because I have no recent installment experience nor any "revolving credit" (which meand cards with a balance they can charge interest on) because we pay 100% of our charges each month. We have another Capital One credit card with a $26,000 credit line. Since my wife has an even higher credit rating (815 to 820) we applied under her name. Apparently her charge accounts with Macys, Kohls, Pennys etc. does get her a card BUT with only a $300 credit limit. We spend over $10,000 a year with Walmart. They better wake up and find a card company that offers better service.

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  • author
    Sheri Porter
    Sep 14, 2021
    They really should be Capital NONE.

    Their computer system generates just about everything for them and it is very difficult to be treated like a human. Their customer service department is merely a bunch of zombies reading from a script therefore is almost impossible to have a real discussion. I've had this card for two years and never had a late payment. I paid this months after 8 pm ON THE DUE DATE online, which apparently didn't doesn't through until the next morning. I received a late fee. I called customer service and even talked to a supervisor. Neither one could or would, waive the fee. They do not humanize any situation or help rectify a situation, you are just merely just a number. I closed my card as did my husband. What a joke of a company.

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  • author
    Kenneth Burrell
    Sep 14, 2021
    Poor CS

    this is as the last guy said. And customer service people are the worst and hold time is 20 -30 minutes and they still have to transfer you. They will hold your security deposit and will not give it back. one representative i spoke with hung up on me because I wasn't happy with her service and threatened to "flag my account" as rude. who would be happy after being on hold for 25 mins and someone gets on the phone talking to you as if you as if you are in boot camp.

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  • author
    Wallys World
    Sep 14, 2021
    Absolutely no customer service for…

    Absolutely no customer service for banking, and holding deposits for weeks is complete insanity! Hey Capital One, it's 2021, get on board or get out of the game! Peeps, go anywhere else for checking and savings; you will be glad you did!

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  • author
    Travis Robinson
    Sep 13, 2021
    TAKE YOUR BUSINESS ELSEWHERE

    I opened a secured credit card back in 2016, paid $100 for a $200 line of credit with the expectation of when I reached good payment history the $100 I paid up front would be returned to me. Here it is, September 2021, after several requests made from me, and I have YET to have my money returned. Mind you, I have reached a nearly 800 credit score & capital one has given me a cars with a $3,000 line of credit, but still refuses to refund my deposit. I threatened to close the card (knowing it hurts my credit to do so) yet & still, they just closed the account rather than keep a customer and help me avoid the troubles that come along with it. Also, VERY poor escalation process. DO NOT DO BUSINESS WITH THIS COMPANY

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  • author
    K Harris
    Sep 13, 2021
    Had s simple issue and customer service…

    Had s simple issue and customer service person could not understand what was going on. Two previous customer service representatives did understand but needed to transfer me up to a different department to resolve the issue. The lady kept saying I don't understand and kept mixing up details. Then, she kept repeating a policy that did not even relate to what the issue is and kept saying let me remind you the call is recorded. Anyone listening to that recording will see that she could not understand and retain basic information. And this is BEFORE my family received an account with them, so honestly, I'm glad this happened now so that we can easily take our banking elsewhere. Also, they do not have a way for you to write an email and contact anyone else and write down what happened for review. I also later looked at the reviews and noticed that this was not a one time thing but this is an overall poor customer service skills with the compnay with most patrons.

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  • author
    Dave Smith
    Sep 12, 2021
    Choose anyone else, not Capital One!

    I contacted customer service regarding my payments and the rep was rude and inconsistent with his responses. When asked what he meant, his response? "What do you mean what do I mean?" In the rudest way. Poorest customer service. Do not recommend them.

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  • author
    MM
    Sep 25, 2021
    I thought I had lost my wallet and…

    I thought I had lost my wallet and thankfully someone found it and returned all. I had already called both capital One and Discover for new cards Saturday, August 28, 2021. I received the Discover card Tuesday, August 31. It took only two days including Sunday. Today is Saturday September 11, two weeks to the day and after two calls in two weeks including third today I’m told the card was mailed Sunday(?) the 5th and I would get it at the latest on the 11th. Still waiting. . . . apologies NOT accepted. After years of having this card I wouldn’t recommend the card or the customer service. Called another company to get their credit card. Received it within days. Closing CapOne account.

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  • author
    Ethan M
    Sep 10, 2021
    Replacement for lost card: 15 days

    I reported my card lost a few weeks ago, and the customer service agent stated that the replacement card would arrive in 4-6 days. In actuality, the card has taken 15 days to arrive. Firstly, why 4-6 days? In the age of next-day delivery for large/complex shipments, 4-6 days seems like an inordinate amount of time to ship an envelope. And then why does it arrive 9 days slower than customer service estimated?

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  • author
    Barry
    Sep 10, 2021
    GREED

    I have four or five years of on Time payments with a Capital One $4,000 credit card. I recently paid the entire balance with a different bank than I normally use, trying to improve a credit score and stop paying their high interest. When you pay with ACH they usually have your money by the next day, which is fine. In this case they have my money, the payment has posted (not pending), but does not reflect in available balance. When I call to inquire, I'm told that there is a hold on the payment for 9 days (which is actually 12 days counting the weekend) for "paying with a different bank" than I normally pay with. 12 days!! Almost half a month. This is just one of the handful of little bas*ard games that they play. Want more? If your payment is due on the 8th of the month, and you pay after 8:00 pmEST (because you happen to be on the west coast for work) they siphon another 40bucks from you for a late payment...even though there is 4 more hours before it's the 9th of the month (7 more hours if your PST). To confirm their avaricious ways, when calling to request a better interest rate to reward my 4 or 5 years of on time payments, I'm told "CapitalOne doesn't offer interest rate reduction requests". What's that? CapitalOne now has checking accounts? Sure..sign me up! No..I don't want read that fine print.

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  • author
    Hazim Azhari
    Sep 09, 2021
    Always I have to deal with incompetent…

    Always I have to deal with incompetent customer service,. Specially with despite, they restricted my account because I used Google pay. To remove restrictions , the asked me to send a copy of my ID. After 7 years as a customer and 100% payment on time. Capital one you really sucks

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  • author
    pw henderson
    Sep 08, 2021
    No email for customer service?

    Like so many other consumers, we no longer do business with companies that do not allow emails to customer service. This is not the 1980's. Companies that force you to sit on hold on a call and do not want to put things in writing cannot be trusted. Otherwise we like the app, the card has been fine. We get better cashback rate through another card so we don't use our Cap1 cards. Cancelling our two cards.

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  • author
    Kevin Fouraker
    Sep 08, 2021
    The worst customer service ever

    The worst customer service ever. There phone system hung up on me the second time I called, and it took 44 minutes on hold to get somebody back on the phone. They must recruit there staff from the dmv. They show no respect and yell at there customer's when they are incapable of helping them. They treat you like a piece of garbage thats lying in the gutter even if the problem you are having is capital one's falt. Be prepared to have a big argument when you need help with you're account.

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