The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Capital One Review

Find a customized quote easily

Reviews 1,510

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

BestMoney Staff
Bestmoney Staff
Sep. 21, 20224 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
Capital One at a glance
4.8

Editorial score

Fees?

No monthly fees

5.0

Security

FDIC insured, SSL encrypted

5.0

Customer service

Early morning, late evening, and weekend hours with bankers, 24/7 automated services

4.0

Online experience

Excellent user-friendly site

5.0

Mobile experience

Excellent mobile app

5.0

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 2.00% interest.

AccountMin. BalanceAPY
360 Money Market$10,000 for 1.10% APY0.50% - 1.10%
360 Savings$02.00%
Kids Savings$00.50%
360 IRA Savings$00.80%
360 CDs$01.00% - 1.20%

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
Capital One
PoorReviews 1,510
Visit Site

Trustpilot reviews

See what some costumers are saying about Capital One
Capital One
PoorReviews 1,510
on
Excellent
5%
Great
2%
Average
2%
Poor
5%
Bad
86%
  • author
    Rohit Singh
    Sep 01, 2022
    Capital One customer service and…

    Capital One customer service and support no 9905618906 9905618906

    ...

  • author
    Ruby L
    Jan 01, 1970
    Terrible

    I called two days ago and asked how much I had to pay to unfreeze my card. The guy told me $25 and I was like oh? Okay yeah I can cover that no problem. All was good, two days later (today) I was setting up a payment and it said I owed over $100. So I called customer service and she said that it was late fees that were put in place on the 21st. I pointed out that the 21st was SIX days ago NOT TWO. I'll be canceling my card and heading elsewhere. I can pay it, but it's ridiculous that they gave me an amount and then gave me a different one two days later. It's the principle. Your customer service line should be ACCURATE. They should know that they're talking about. Money hungry for sure.

    ...

  • author
    Diana .
    Jan 01, 1970
    30 years of service

    30 years of service. I have held their card for 30 years. Now I have to pay a fee to hold their card. I am so insulted. My payments are never late. $59.00 a year they want for all my service.

    ...

  • author
    Craig Drouin
    Jan 01, 1970
    Capital treats her customers the way…

    Capital treats her customers the way they like, this is not fair, they blocked my account without my notification on the 26th of July i tried to call them to know the reason why for the act but wont open back my account and money locked. I consulted Accruedequitiesinc.com through their intervention i got my account open and received all my money, i would not bank with capital one again .

    ...

  • author
    Courtney Smith
    2 days ago
    Primary Account - Abusive husband tells wife is doing illegal things to take over account and they believe freezing all money

    If you are a primary account holder of Capital One and in an abusive marriage currently working with the women’s shelter to leave a mentally ill and dangerous man please know they will in a heartbeat side with the abuser and freeze your money without warning. I am a stay at home mom, who fosters dogs and runs a dog daycare business of my dead beat husband because he has failed our family and chose drugs over us. I am devastated. I have any and all supporting documentation of my innocence but they have closed my account and will not speak to me only him because he said I am doing illegal things.

    ...

  • author
    J T
    Jan 01, 1970
    Your banking needs handled in the Philiphines! Sketchy!

    I called Capital One phone #s1800-946-0332 and 877 383 4802. Thought I was getting scammed for a a car payment. Someone in Philippines Answered. Roosters and chickens fighting through out the call along with scooters beeping their horn. SUPER SCETCHY!! Called the other # went to the Philippines . Shame on Capital one stealing jobs from the US citizens. Last thing an American wants to hear or have their Represantative answer banking needs with chickenc fighting in the back ground .

    ...

  • author
    Ayla Rodriguez
    Jan 01, 1970
    So much for bank backing you yp on purchases

    I have never struggled with any other bank Chase or Wells Fargo to dispute a charge on some thing that I should not have paid for. I went to a local restaurant for the first time purchased some food contacted them several times and even wrote a Google review. Yet when I disputed it with capital one they went ahead and submitted did a review and then notified me that they could not issue me a credit based on the information provided. So I then provided them with a Google review and I had told them that I contacted the restaurant several times and speak to a manager. I never got a phone call back so I resubmitted my information through Capital One and they have yet denied me once again after submitting all of the proof that I had. They informed me that I could talk to the merchant my cell which I have already tried several times to contact and nothing in the past. At this point was when I thought my bank would be backing me up but it seems like capital one does not have your back in that manner I will be continuing to use Chase full on I will be canceling my bank account with Capital One. Their customer service has been horrible in this matter

    ...

  • author
    shelly taylor
    Jan 01, 1970
    Crazy

    So, they held my check for 7 days. The debit card takes 7-10 days. Money shows its available, but can't get it because I have no card. Can't use it as a virtual wallet(only my credit card. Then was on hold fo 28 minutes. Spoke to 3 different people. Only to be told I had a restriction because the ckeck needed to be verified? Now, there going to expedite a new card that may just arrive when the original card shows up. But if the original card shows up. I can't use it. CRAZY!

    ...

  • author
    Meggan Chu
    Jan 01, 1970
    I had a dispute with charges to my…

    I had a dispute with charges to my credit card. Long story short, I was suppose to receive forms to fill out and never got them mailed to me. I waited patiently for them to come in because the representative says these things can take months to resolve. Then I see that my charges that were disputed were being recharged to my credit card. They tell me they sent the forms to my online banking account under transactions. I had no idea it would be there and the app does not show any notifications it’s there. They then sent me a set of forms in the email. I was told I have two weeks to fill them out. After one week they recharged all my charges again on my account. I was in the process of putting my documents together and getting proof for my case. Terrible, mean customer service who likes to bully. I will not be applying for another capital one credit card and will stop using this one as much as possible now to avoid supporting this company.

    ...

  • author
    customer
    3 days ago
    Be alert After you pay off your balance…

    Be alert After you pay off your balance they still keep charging you for interest rates when you call to address the situation your stuck with that charge they’re money hungry they will not have the oddosity to waive that extra fee. Even when they assure you that you won’t see a charge. I have many credit cards thru different banks and all where payed off the same day. All interest charges that came after payment were all waved. I don’t recommend any of Capital One cards I have 5 and had same issues with all of them after I payed them off.

    ...

  • author
    Chad Risley
    3 days ago
    Horrible customer service

    What is in my wallet? Never again will it be Capital One, Customer service horrible. Would be a negative star if possible. Does not put the customer first.

    ...

  • author
    Chris Ladowski
    4 days ago
    Does not stand behind thier customers

    After having several of our credit cards hacked at once, Capital One was the ONLY one who did not refund our money. Even with proof, and the purchasers name and address they refused. Life has been extremely difficult knowing Capital One stole over $3500 from us. Get a credit credit that will stand behind you in the event of your cards being compromised.

    ...

  • author
    Amareya Clark
    Sep 23, 2022
    A Money Hungry Company with a less than…

    A Money Hungry Company with a less than Knowledgeable Call Center . Had this Card over 5 Years and Only received one Credit Increase for 100.00 Not due to late Payments they are made on time and no over the limit but once Years Ago. You call to dispute a charge You have to do all the Work. This Company probably has So many Customers now they Treat You like Trash. I will Definitely use My Other Cards More than Capital One They are not Fair!!

    ...

  • author
    Rafael And Pat Rivas
    Sep 22, 2022
    This experience made me close this…

    This experience made me close this account!!! You call, you get some of the stupid non American people, they over talk you! THEY DO NOT LISTEN!!!!! I had a charge I did not agree with, capital one sent the form to fill out, did so. They claim they could not do anything!!! So I decided to close this account! They are pure useless!!!!!

    ...

  • author
    Mr Martyn Knight
    Sep 21, 2022
    Anyone actually had any luck with a…

    Anyone actually had any luck with a successful charge back, contacted them on the day of the fraudulent transaction, e mailed disputes@ provided screenshot of the little transactional communication there was, pointed out recipient was a French PayPal account, sounds pretty "cut and dry" to me, still no resolution!

    ...

  • author
    customer
    Sep 20, 2022
    I have a secure credit card of $200 and…

    I have a secure credit card of $200 and a platinum card of $300 for over a year never missed a payment never paid the minimum.. Capital one stayed placing my payments on a 26 day hold for no apparently reason .. I feel as if you get penalize for making a payment on time.. I do not recommend this bank for anything

    ...

  • author
    C.Foote
    Sep 20, 2022
    DO NOT GET ANYTHING FROM CAPITAL ONE!!!! HORRIBLE AT ITS CORE!!! RUNNNNN!!! ANYBODY BUT THEM!!!

    Im so hurt more than mad AF!! I have had over 20,000 in checks that have been deposited the same way as this $500 MONEY ORDER!!! in my checking account, where I called the same day and they verified them the same mf way, THE SAME DAY!!! MIND YOU MY PAY CHECK HITS THIS ACCT BIWEEKLY!!! MY WHOLE MAMMA passed away and My Aunt sent me 500 dollars in a MO from her Chase Bank and I received it yesterday 9/19, they told me to call back today 9/20 and they can do it, called back today, and there rude assss so called acct manager LISA DUSTY ASSSS employee# 415642 who told me when asked to speak to her Supervisor, that no one was above her!!! and SAID I DIDNT QUALIFY for the funds to be released today I had to wait till Friday!!! What kind of Qualifications DO I NEED BROAD??? I thought being a customer for 2+yrs was enough!!! But I been qualifying thoe??? MY MOTHER JUST DIED AND THIS HOW YOU TREAT YOUR CUSTOMERS??? Treating me like the common criminal!!! So when it does clear, I will be taking my monies and service else we're!!! Y'all won't ever get to treat me like that again!!! Don't bank here or nothing else guys! They'll treat You like a criminal, especially if Your Parents pass away and You need to bury them😒😒 SCAMMING ASSSES!!! YALL AINT 💩💩💩!!

    ...

  • author
    Robert
    Sep 20, 2022
    Ive had capital one for a while now

    Ive had capital one for a while now . Never missed a payment on both of my cards. Actually never on any of my cards. And never late. Zero collections, when i contacted them to raise my limit. As they advertised if you make your payments on time for 6 months they will raise it to 500.00 well its been over a year on both cards and they still wont raise my limit. They said im not using my available limit. So for months ive maxed both cards and paid there fees. Guess what? They still wont raise it. Whats in your wallet? I hope its not capital one.

    ...

  • author
    StumpChump
    Sep 20, 2022
    What's in my wallet?

    Not a Venture card, that's for sure. I've had this card for a few years and paid the $95 annual fee. I called for the fee-free card and told they can't remove the $95 fee although the card fee doesn't start until next month. They have no foreign transaction fees on this card but it's always rejected in any foreign country I've visited. Customer Service is the worst and unyielding to all requests. I ended up paying the $95 fee as not to destroy my credit rating and turned around and contested the charge. I'm sure I'll lose but at least I cashed in all my points and I'm done with them forever.

    ...

  • author
    Peter Hogg
    Sep 20, 2022
    Not treated as very Important

    As a long time patron of Capital One I recently had my card slammed and needed a replacement. I have over the many years I've been with them charged a significant amount of money with them a rely on that card. Obviously I'm not a very important client to them as it tool almost 2 weeks to get me a replacement meaning I went back to my American Express Card which from this point on I will be using more often if no exclusively. They've treated me better!

    ...

  • author
    Susan
    Sep 19, 2022
    HORRID CUSTOMER SERVICE

    MADE A PAYMENT.... ACCIDENTALLY MADE A PAYMENT MISTAKE.... OVERPAID BY $1000! CALLED THEM TO REQUEST TO MAKE THE CORRECT PAYMENT.... IN MY TIME ZONE MY BANK IS CLOSED... WHICH CAP ONE SAID SHOULD BE THE ONES TO CORRECT THE ERROR!!!! THEY PROCESSED IT ANYWAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    ...

  • author
    John OShea
    Sep 19, 2022
    Value your FICO Score? Stay away!

    They solicited me for a $50K line of credit card, with 7% cash back if I spent $50K in 6 months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend 50K in 6 months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by creditwatch they filed a past due report on me after 4 months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. THIS KNOCKED MY CREDIT SCORE DOWN 170 POINTS. IF YOU VALUE YOUR CREDIT SCORE STAY AWAY, WORST EXPERIENCE EVER!

    ...

  • author
    Valerie Vandevelde
    Sep 19, 2022
    This company is a joke

    This company is a joke. I had a card for 4 years with them actually had 3 different cards never missed a payment then they close all my accounts and try to say I have some criminal record? First of all this is false and how dare you try to accuse me of something like this. Because of this it impacted my credit report massively. After a year they sent me a pre approval so I went a head with it thinking they realized they made a mistake and literally approved me sent me a card then closed my account again saying the same thing. This company is a joke how dare you keep making accusations and messing with my credit over it. Never again i will never recommend this company. I have 5 other credit cards with other companies and never had this issues.

    ...

  • author
    Alexandra Quimby
    Sep 19, 2022
    After having a perfect payment record with ALL my bills they would not lower my APR which can be done and not in their increments. So I’ll pay it off and found another trusted understanding establishm

    After having a perfect rating of no late payments on any of my cards. I requested they lower the APR rate to help this loyal customer out during a life challenging issue for the next month. I was advised by a supervisor due to changes they are not allowed to do. Looking into it that is false. I also promised this 4966.00 bill would be paid off within 4-5 weeks and will no longer use or recommend!

    ...

  • author
    PayPay
    Sep 19, 2022
    Fraudulent Account

    Horrible bank, I will make sure my voice is heard and everyone knows not to trust these banks. A couple years ago someone committed identity theft and made a credit card in my name. I spoke to Capital One and they found out the account was fraudulent. They told me this account would be closed and removed. Several months later and several disputes they continue to tell the credit companies it’s verified even though they themselves realized it’s FRAUD. The agent on the line even told me it was created online, I asked if they couldn’t just find out who’s email or who paid it off that way and get it off my report to which they refused. I don’t even have an account with Capital One and already see I’ll never want one with them due to how fragile their security is. Please don’t be afraid to take these banks to court because that’s exactly what I’m doing, we need to speak up about these things not keep silent.

    ...

  • author
    陳幼玲
    Sep 18, 2022
    CapitalOne credit card is WORST you can…

    CapitalOne credit card is WORST you can use. When you call the call center, it's automatically routed to an overseas call center who speak English with a very strong accent which is very difficult to understand. And I had to repeat myself many times in many occasions because they just couldn't hear me (or understand me). If you use this card, just hope you will never need the customer service since they couldn't care less about SERVICE.

    ...

  • author
    RAMZAN
    Sep 18, 2022
    They put restrictions on my credit card…

    They put restrictions on my credit card just because I paid my $8,000 ($20K credit limit) monthly bill with a check from another bank. Seriously? Now I have to wait 15 days for them to check my statement... All my payments were from this card.

    ...

  • author
    Steve
    Sep 17, 2022
    My experience with capital one is one…

    My experience with capital one is one of the worst I’ve had in my life. The claimed there was possible fraud and shut down my account. Then they kept all my reward money because I didn’t have the right kind of documents to prove who I was fast enough. They did still require me to make payments without proving who I was though.

    ...

  • author
    scott slencig
    Sep 17, 2022
    How do you go after such a corrupt…

    How do you go after such a corrupt bank? The reviews speak for themselves.

    ...

  • author
    Dave
    Sep 16, 2022
    Capital one ! No compassion

    My card has been locked for 4 months and it’s been paid off. I called them to see if they can unlock it because I needed to pay a deductible of 250.00 for a Heart surgery I’m having. The representative had 0 compassion 0 everything. She said it was out of her control and I had to wait. I advise everyone to dump them.

    ...

  • author
    Dogmom
    Sep 16, 2022
    Horrible company to deal with

    They gave us a very low credit limit despite having a credit score of 819. We hit our limit quite quickly and so I paid the balance of immediately even though no payment was due. The payment cleared my bank the next day however, on my Capital One online account it shows that the payment was been made but they are only showing we have available credit of $5.15. I contacted them and was told that my full credit limit will not be released until FIVE MORE DAYS. This is UNACCEPTABLE and no other credit card company does this. We were NOT delinquent in any way. We believe this is fraudulent and deceptive. We have cancelled our account.

    ...

  • author
    Maylin Cohen
    Sep 16, 2022
    Very disappointed

    Very disappointed - I lost my card and they send me brand new card including cc number. There is a company charging my card and they authomaticly updtate the third party company my new card without my authorization. How crazy is that they have no security for their customer. The agent was quite like she didnt even want to hear what i have to say. He name was Rhina from the dispute department. they need to teach their agent customer service not just hired anyone. Let see what happen with my situation i have to wait 5 days for the investigation if qualify.

    ...

  • author
    M C
    Sep 15, 2022
    Capital One offers very misleading…

    Capital One offers very misleading information. Example: Credit Wise is a subsidiary and is operated by Capital One. They sent me an invitation stating that because my Credit Score increased by 36 points I can now apply for a Capital One Platinum Credit Card. So I do. DECLINED. I receive new invitations every month. Every month its a Hard Pull on my credit report, Capital One knowing that I will be declined. They did 5 (FIVE) credit pulls in April 2022 alone. I have proof. You can only submit an application every 30 days still they "lead" you to believe that with your credit score increase , you will be approved. They can ruin your credit score with the Hard pulls , sometimes twice a month on your credit report. Be very careful with these people. They project that they are consumer credit report advocates all the while destroying your credit.

    ...

  • author
    Jay Bee
    Sep 13, 2022
    Worst experience with a company Ever!!!

    Worst experience with a card company EVER!!!! They state they shipped card now for the 3rd time.... No Tracking No expedited shipping(even tho I offered to pay for overnight) No delivery confirmation Just stick it in an envelope and hope it gets there......Truly pathetic.

    ...

  • author
    Lori Kotovic
    Sep 13, 2022
    I now HATE Capital One!!!…

    I defaulted on a credit card with Capital One close to 5-6 years ago, I had a serious family emergency with my mother in Florida, (I live in NY), so I just could not afford to pay that card then, along with the $39 yearly fee, I wanted to but couldn't, I had to help my mother!!. I also had 2 more capital one cards at that time. One was about to expire, so I called Capital One to get a new card for this second Capital One credit card I had in good standing, the woman on the phone was ghetto, (I thought I was back in the hood even though I had moved out years ago!!), she was extreemly rude, she told me that she was not going to renew my card in good standing because I defaulted on the first card. I couldn't believe it, then she proceeded to tell me that I still had to pay on the card that she was about to close, that she wouldn't send me a new one. I asked her why, she didn't answer me, she had an attitude like I was messing with her personal money. They closed that second account I had with them for no reason, and then expected me to still pay on it. I refuse to do so. There was no reason to close that second account, it was always paid and never late with a payment. Now they are trying to make it so I can't get a credit card anywhere else. I am convinced they put something on my credit report so that anywhere I apply, I will be rejected and denied!!. I truly HATE Capital one now. My daughter was talking about getting a card with them and I talked her out of it by telling her what they did to me!!

    ...

  • author
    Atlas Starr
    Sep 13, 2022
    Toss Around Game

    I already have a couple credit cards with capital one, so I was going to open up a checking account. I was tossed around to multiple departments, put on hold, and hung up on a couple times. When I finally got through, I found out they had the wrong information on file for years, including my birthday. This company is a MESS! Played the toss around game for 4 hours. Customer service is non existent. Bank elsewhere!

    ...

  • author
    Annie T
    Sep 13, 2022
    Capital One is not a mobile bank. Beware.

    I got Capital One 360 checking so I could use mobile banking. My grandmother died (😞) and left me a small check, but even though I'm broke af and never deposit checks, I'm somehow over the allowable monthly deposit limit so have to deposit next month. I called CO, they told me to uninstall and reinstall the app. That didn't work. I called back and a manager told me she couldn't help me. Capital One is not a mobile banking service. They're just another corporate overloard who's mastered the skill of stealing from hardworking Americans. If I were rich (ie, *not* hardworking), I have no doubt I could deposit whatever I wanted and have immediate access to my money. Don't trust Capital One. They're just another group of crooks.

    ...

  • author
    Stephan Thompson
    Sep 13, 2022
    Unsuccessful Account Closure

    Fortunately I don't have a Capital One Credit Card, but my Mother does. I have tried to close her account on her behalf using my Power of Attorney (POA). She is 99, invalid, and in a nursing home under hospice care. The written response indicated that they must not have read my letter carefully since they asked for another valid POA and copy of my driver's license. So I tried again, same thing. Lastly in August I wrote to Richard Fairbanks, the CEO. Still nothing. I fully expect to be unsuccessful after she dies because they won't acknowledge the death certificate.

    ...

  • author
    Julie Parrino
    Sep 10, 2022
    Absolute scam

    Absolute scam! They illegally charged a $95 membership fee without notification to my account. Then sent me an email saying customers who were charged this membership fee between this timeframe may call and cancel their card and receive a refund. I did just that. I never received my refund. I called them and was told I wasn’t eligible that I must’ve received a letter (mind you I’m paperless) and I already went through all my emails to be sure I never received this notification. I asked them to resend me this notification email and to tell me on which date they sent it and they could not give me an answer. Then they said I didn’t call and close the account in time. I said that’s incorrect too. I called the day after I received the email and closed the account which was 4 days before the deadline. The representative told me that the account didn’t officially close until the 24th and the deadline was the 20th. I asked her how it’s possible for any of their scammed customers to have gotten their refunds if you sent them the email for refunds on the 15th with a deadline on the 20th but your systems don’t officially close the accounts for another 8 days after the customer calls? After I received no answer, she just said, I’m sorry I can’t refund you you’re not eligible. THEY ARE SCAM ARTISTS!! DO NOT BANK WITH THEM!!

    ...

  • author
    salimatou bah
    Sep 10, 2022
    I wish I can give 0 star

    I wish I can give 0 star. They charge me $39 interest after I payed off my credit card. The customer service waist my time about 1h and said they can’t remove that fees. It like a fraud against me. I will never use their credit card again.

    ...

  • author
    Sean
    Sep 10, 2022
    Worst customer service in the industry

    I contacted Capital One customer service to dispute a charge on my credit card. The item I purchase was not as expected and the seller was not responding. The lady who answered my phone call was clearly "not American" and probably working in a call center in India or one of those places. The background noise was extremely loud and her accent was so thick, I could barely hear and understand what she was saying, especially when she says anything outside her "script". She said to dispute the charge, I would need to provide evidence and I said I could provide evidence needed right away. She said Capital One is going to send me a letter where I will need fill out questions and provide the evidence. I will receive the letter in 7-11 business days. What kind of backward technology is Capital One working with? Other credit card companies will have the representative send you an email right away and you can provide the evidence directly on the email. American Express will even directly reach out to merchant first before asking you to provide evidence. Why can't Capital One reach out to the merchant first or allow me to provide the evidence in an email / account. This is insane, what happens if I don't receive the letter or it gets lost in the mail? She then proceed to mention that if I don't respond to the letter or respond fast enough, I basically give up my dispute. Capital One clearly want to drag out the dispute process as long as possible so you even forget about the purchase and let it go. This is not right, I will close my Capital One credit card by the end of this year. This customer service is trash and worst I ever encountered.

    ...

  • author
    Frances Perez
    Sep 10, 2022
    I wish I could give them negative…

    I wish I could give them negative stars. They are only good for getting paid early. Otherwise don't deposit a check into your bank account because they will hold the funds hostage. Any other bank, you will have your funds the next day or at least a $100 of it. Nope not Capitalone....they will just hold it for 3 - 5 days and will not assist you when you call for an early release. I know better next time. I'll use my BOA account for check deposits.

    ...

  • author
    Ms. Anderson
    Sep 09, 2022
    This is the worst bank I ever dealt…

    This is the worst bank I ever dealt with. capital One is awful. I have a credit card and checking account with them, and I have had bad experiences all the way around with them. From their customer service to them holding clearing funds to them offering me a credit line increase and then declining the increase. As soon as I pay my credit card off, I plan to close the account and I won't be banking with them anymore either. The absolute WORST!

    ...

  • author
    ARK- Associates
    Sep 09, 2022
    I just called them to report a fraud…

    I just called them to report a fraud attempt and to get help - the customer service was the WORSE WORSE I have ever experienced; the agent's accent made it difficult to understand. I was on the call for 21 minutes and they kept asking me the same questions over and over and I know they understood because if they asked for a number, I gave it, and then they verified repeated what I gave them - then is that correct - I answered YES. They refused to address the two questions I called about - just only went thru this verification process and after two identical processes they said my card could not be verified and that I must have other cards. It kept getting more and more insane so asked to speak to supervisor and then they give me another 800 number that doesn't answer Capitol One but some other name and then tell me this contact is closed call back tomorrow. Of course how can I verify that this new number IS IS Capitol One after just being scammed by imposters. Absolutely unbelievable. I locked my card as didn't know what else to do to prevent fraudulent charges. DO NOT DO CAPITOL ONE IS MY OPINION. Sad because I DID love love this my first card after a bad divorce ruined my credit so also very appreciative and want to STAY loyal as well - very very sad - don't know what else to do.

    ...

  • author
    Benjamin Jones
    Sep 07, 2022
    Fraud

    I had my social security # stolen and someone with a different GENDER and NAME that's not tied to my SSN was able to get a credit card from Capitol One. Capitol One is refusing to acknowledge this person exists yet it shows up on my credit report, so they are obviously involved and are trying to cover up! Steer clear, this is a scam company. I already know of their criminal notoriety and would never do business with them to begin with but they still managed to get ahold of my SSN and use it on credit cards for their friends/employees.

    ...

  • author
    Angela Torres
    Sep 07, 2022
    SCREWED ME AFTER 30 YEARS!!

    Briefly, I’ve been a Capital One card holder for 30 years but I am done! Capital One and I know, that my credit will be bruised….Capital One counts on giving bad credit reports….bad credit reports equals MONEY! Capital One may or may not charge an annual fee (their discretion). This year I submitted the annual fee, and wrote on the statement, the envelope and on the check…..”cancel this account” Capital One did not close the account but issued me a new bill for $29.96. Why? You may ask. According to Capital One my payment arrived 1 day late…..thus I was charged $29.00 fee and .96 interest, and the account was not closed! Isn’t there a post Covid employee shortage going on??? If I was 1 day late, why was I reported as 30 days late on 2 accounts??!! Capital One is CAPITALISM at it finest! Riddle….if Capital One rips off $1 per a million customers, how much did Capital One make? And who pays taxes on that?

    ...

  • author
    Sharif Morshed
    Sep 06, 2022
    Worst customer service of all credit…

    Worst customer service of all credit cards. So, I accidentally made double payment on my card and called them refund one of the payments. Everytime I call them, the agent goes to the manager for 10 mins to dicuss it. And, then she said they can not refund in the account, but she can send a check of the same amount of payment. Then, I did not receive any check in 30 days and so I aclled again. Same process, the agent goes for 10 mins to "talk" with her manager. And, then says that they will send another check and cancel the previous one. I mean, come on!, If I have similar double payment in citi card, they refund that instantly. Its like Capital one in behind ~10 years in service.

    ...

  • author
    Darren
    Sep 06, 2022
    They offer $250 if spending 1000 or…

    They offer $250 if spending 1000 or more in first 3 months of a new card approval. They only give $150-200. They are fraudulent. The customer service will hang up on you frequently and not help and waste hours of your day usually. Disputes cannot be filed yourself on your online account. They want to send you a new card for any dispute. They are semmingly evil and scammers for sure. Dont ever go with capital one for a credit card. They falsely send debts for paid items. You name it, they do it in a bad way. They have more hoops than a circus and not in a good way and all act like clowns and horrid policies as well as employees. Complete scam is what capital one and their credit cards are.

    ...

  • author
    Denis Bykovsky
    Sep 03, 2022
    Just applied for Venture X

    Just applied for Venture X. While waiting for a physical card wanted to start using the virtual card attached to the main one. It's advertised as a substitute for your actual credit card number. Anyhow, support people have very vague ideas on what that product is. They called it a temporary card, they don't know how to activate it. Very weak training. Representative Sunshine couldn't get my SSN correctly SIX times and refused to spell back the numbers that she heard from me. I didn't ask about the numbers she is seeing in the system, but what she hears!!! Unbelievable. Once someone else has finally verified my identity they said they can't activate it, they didn't know before. Bad-bad service. Use Google search and don't waste your time as a customer. If (1)Capital One please do something about the outrageous incompetency of the call center. (2)Capital One please figure out the mechanism of activation of the virtual card before the physical card arrived. Or don't show it in the mobile app at all. PLEASE HELP!!!

    ...

  • author
    Michael
    Sep 03, 2022
    Worst bank I’ve ever used

    Worst bank I’ve ever used , I have a checking , savings , and credit card , and can’t access a dime due to their hold policies , I’ve now been stranded 4 days because of this. This has cost me more than o can afford, I’m finished with this crap

    ...

  • author
    Jon Cohen
    Sep 02, 2022
    Banks should value their customers, right?

    I started banking with Chevy Chase Bank in the 1970s. Capital One eventually bought them. Here is an email I received from them recently: "We’re writing to let you know that accounts on an older banking system are being updated to a new one in an effort to consolidate our products. What this means for you Unfortunately, your account number is ineligible within the new banking system and therefore your account couldn’t be transferred. Because of this technical issue, your account ending in 4047 will be closed October 25, 2022, and a check for any remaining balance will be mailed to you...." I called customer service for help transferring information to a new account. They wanted me to manually open up a new account, retype all my bill pay and other connection information. They offered zero help. BTW, I kept a very large balance there for a very long time. Needless to say, I now keep that balance elsewhere. Open an new account and manually copy the information?? Quite burdensome. I did that (for all of my Capital One accounts) at CIT bank, which, by the way, pays 100 times (2% versus 0.02%) more interest on their savings accounts (not hyperbole, check it out.)

    ...

  • author
    Kristian A.
    Sep 02, 2022
    Capital One is a scam

    Capital One is a scam! They force customers to pay annual fees for services they don't provide. If you call them about it they give you a runaround that lasts for months! AVOID AT ALL COST! They're scammers!

    ...

  • author
    Golds
    Sep 02, 2022
    Not worth even one star

    I only gave them a one star bcuz I had to to do a review. I paid off my balance in full. Paid online and showed it was paid and zero due. Unbeknownst to me I should have called for a payoff balance. So when I thought my account was zero and was not concerned about a balance they proceeded to charge late fees on a tiny interest amount due on what I had paid off and continued even after those late fees and interest were paid off to charge even more late fees and interest. Would not do anything to work with a long- time customer who has paid this balance off and other balances with this card. My other cards I have paid off also by the due date and there was no interest or other charges ever and they went to zero and stayed that way. This is corporate greed at it's finest. Be wary of this company.

    ...

  • author
    Alisa Rifredi
    Sep 01, 2022
    Capital One WORST fraudulent protection service.

    Was a customer for years until i had a horrible experience where a guy made faulty keys for my car. I submitted all required documentation of this and even showed documentation that i had to go and purchase a new service to fix the issue that wasn’t resolved and they still didn’t remove the FRAUDULENT charge. Horrible fraud department that is absolutely no help. Wasted hours upon hours calling places to ask for the obscene documentation requests Capital One required, which no one was willing to provide. I was ripped off of $600 and Capital one sided with the manufacturer all because he stated he provided the service when i provided documentation and phone calls where he admitted it wasn’t done properly!! I’ve closed my credit card with them. Go with a different credit card company. I also moved my savings account somewhere else because i don’t want them having any of my money in their accounts.

    ...

  • author
    Bryan R.
    Sep 01, 2022
    Garbage credit card company!!

    Garbage credit card company!!! Had a dispute and couldn’t get any help resolving it with these crooks!!!! Steer far away from these SCAM artists!!!!

    ...

  • author
    Mark Watson
    Sep 01, 2022
    I had a dentist do a dodgy crown

    I had a dentist do a dodgy crown, tried to get my money back. Sent everything in to Capital One. They needed more docs to upload. Tried for a month. Their system didn't work. Then they tell me I'm out of time. Talked and talked. All they did was offer platitudes but refused to help. I'm cancelling my card with them.

    ...

  • author
    bert jones
    Aug 29, 2022
    A one star rating still makes this…

    A one star rating still makes this company overrated Hard to believe that they run a business like they do and still have business! I have been a Venture card holder for many years and have always paid my balance in full and on time (is that why they seem to not want my business?). Recently they put a hold on my card due to a error that occurred between them and another bank on my account. Despite zero balance, MULTIPLE phone calls to foreign nationals at the impressively incompetent fraud protection center and even USPS mailings to try and satisfy their requests for “further information”, they won’t release my card and the 750000 miles accrued on it Please, God. Just get me my miles and I SWEAR I won’t make a mistake like this again…. And I will try to prevent others from doing the same

    ...

  • author
    M Hall
    Aug 29, 2022
    FRADULENT, DISHONEST

    I been a customer of capital one world elite (black card) for over 10 years and easily have spent over 6 figures. They are terrible at disputing charges and dealing with fraud. And on top of that running their own fraud scheme since their agents have 0 accountability when the voice is recorded! I called in 3 weeks before my annual fee was up to verify there wouldn't be an annual fee of $120. The agent was very confused on whether or not there would be a fee but after problem solving and speaking with his supervisor he advised there would NOT be a fee. I told him if there is a fee, I would cancel the card now so I don't get charged the fee because there are MUCH MUCH better reward cards out there and better customer service and its not worth the annual fee since there are no bonuses or any other perks offered for this card anymore. He advised if I did get charged a fee, I can call back and get re-imbursed since he made a note on my file and there's an audio recording! Well no suprise, new agent and the note stated that he advised me that my card is different than the other no fee card. I explained to the new agent, to pull up the audio recording instead because he assured me many times what I explained. Is there no accountability at all in this company? Isn't it the duty of the customer service/professionalism to know their products and know that I would NOT get an annual fee? Why would that be on me, when im calling in to ask what their policy is. I still cancelled the card after getting charged 120$, its crazy Capital One would nickel and dime a customer of over 10 years, they rather get your $120 instead of getting thousands of fee$ from me swiping their credit card. Avoid like the plague, you can easily google many other rewards cards with no fees or lower fees with 10x the rewards and perks! If I could give them 0, I would!

    ...

  • author
    Flo Otus
    Aug 27, 2022
    Disgusting fraud team members who act…

    Disgusting fraud team members who act like your not you till you prove you are 0 customer services skill literally refused to give me reference or a way to identify the call or whom I’ve just dealt h with had the nerve to mention my child needing to get chemotherapy treatment and me being in a hurry to force me to accept his absolutely disgusting lack of customer service skills just felt violated I will be taking this to the highest I can ombudsman, put me on hold hoping I’ll hang up Now the phone just hung up this is entirely unacceptable I’m not accepting this level, I’ll persue this till I know that person is no longer abusing customers

    ...

  • author
    Nashwan Ibrahim
    Aug 27, 2022
    Be aware!!! Before you open an account

    Do yourself a favor and find a better credit card that will appreciate your business. I have never heard that a credit card company can't combine my credit line to one account. I basically asked to transfer my credit line to the other account I have with them, they are both same. Just wanted take it one , so I can control it easier. I was surprised that they said it's capital one policy and I have to keep both accounts.. what a joke!!!! Be aware....

    ...

  • author
    Brent Martin
    Aug 25, 2022
    I have contacted them twice about…

    I have contacted them twice about deposits and they have failed to help me twice. Terrible bank.

    ...

  • author
    Bonnie Knadler
    Aug 25, 2022
    Repeated fraud alerts from timely payments

    I have a secured card with a small limit of $300. I constantly have issues because I make frequent payments throughout the month to pay the card off The payments are made through my husbands checking account. I have never had a payment returned. However if I pay more than twice it kicks off a fraud alert. I unsucessfully called multiple times and cannot get a resolution My only solution is to pay the final balance and close the account. Capital One does not care!!!

    ...

  • author
    Erin N
    Aug 24, 2022
    Terrible service, cancelled my card without telling me.

    Hard to even say the customer service is bad, because it just doesn't exist. A while back, I suddenly couldn't use my card. I looked into it, they informed me that they had cancelled it in order to send me a 'upgrade'. Didn't ask my permission, didn't even notify me. They said "didn't the new card arrive yet? It should have come [a couple months ago]" and when I said it hadn't, they just cancelled the missing one and told me they're sending another new one. I asked what I am supposed to do in the meantime - they cancelled my card without letting me know and now I'll be without a card while I wait. ((I never even requested a different card!!)) They basically said that wasn't their problem. This is my only credit card. I missed some pre-authorized payments and my phone service got cut off as a result. Very frustrating. Now this time, I have recently lost my phone and was attempting to purchase a new one. After making a full payment plus some, I find my card is not working online. I try to sign in to see why. I can't get past 2-step verification because their only options are receive a call, receive a text, or call them for help. There is absolutely no way to contact them or access my account without going through my phone. I can not get a new phone without a working credit card. I can't get my card to work without a phone. So I am essentially locked out, with no way to contact them online for help. Feeling really helpless here, tbh. Not even sure this review will do any good. Haven't even had the card for very long, maybe three years. And I feel like every service I pay for with the card is at risk because of their actions or inaccessibility. It's disgusting to me that they can treat people like this, when our purchases are making their money for them.

    ...

  • author
    James
    Aug 24, 2022
    very difficult phone support .

    very difficult phone support .. I called and spent literally over 5 minutes trying to reach a human. Reached a nice helpful person but it was nearly impossible.

    ...

  • author
    BETH
    Aug 23, 2022
    STAY CLEAR OF CAPITAL ONE CREDIT CARDS/ FRAUDULENT AND UNTRUTHFUL PRACTISE

    Oh how we wish we had read Trust Pilot first of all! Yet again, we trusted what we THOUGHT was a reputable Company!!! Recommended through the Company holding my credit file. Both of them, as bad as each other, I really hope that people always read reviews. Do not just place your trust in these despicable Companies and the damage they do. I had been discussing getting a credit card for a few months now, with my family. Everyone from Martin Lewis to all the so called experts online, advise a no interest credit card as a good thing, providing it is used in a sensible manner. I have been a member of a Credit File Company for a few years now, and I monitor my Credit File VERY CAREFULLY every week. The Credit Report is free through Transunion UK. I went on to my credit report on the 13th August 2022, and it showed me a tool where they would SOFT search which credit cards would be suitable for me, by checking with the credit file report they have. With ALL my real details and history going back a minimum of 6 years. So I pressed the search button, feeling ok as I was informed this would not harm my credit report at all. And waited, 10 seconds later, a list of credit cards popped up, with a note telling me who would accept me, and the percentage, 100% meaning a very high likely of acceptance. I had a minimum of 12 at this rate, all Companies I had heard of, and none looking suspicious in any way at all. I clicked through on the first one, by Capital One, where I was informed " CONGRATULATIONS", based on everything noted from your credit file, we are happy to accept you as a customer with Capital One- We just need you to read through your agreements, and tick your signature on the last form, we will then do our FINAL FRAUD CHECKS, and let you know if we have accepted you in FULL. I pressed the button, and waited a minute or so, while the screen said we are making all final checks needed.. Then, another " CONGRATULATIONS appeared on my screen, telling me that all checks were now completed, all fraud and reference checks done, and I had now been fully checked and successful in my application, had a £1500 credit limit, and my card would be sent out to my home. I completed and felt quite happy, signed of from my Credit file, and waited for my card to appear. On the following week, approx the 18th/19th August, I received a mail from my Credit Report- telling me there was a "change" to my file. I assumed it would be the addition of my new credit card, and logged on, just to check!! Imagine my complete horror and fear, when I scrolled through my Credit Report, only to find, that CAPITAL ONE, had entered a FRAUD addition to my file?? I was completely shocked, and clicked onto this new notification, where I read that the " VICTIM" of this fraud, was Capital One Credit Card?? On the 18th August had an amount of £1500 frauded by myself?? And the reason noted for the FRAUD was, wrong address details, applicant does NOT live at address?? Has impersonated living there? At the address i have lived at for years, all my details taken from my own Credit file, I was being noted as committing a FRAUD while living at my own address, and applying for a credit card through my own Credit file..? I was, and still am, in shock!! Straight away I attempted to contact my Credit Report providers, and i e-mailed their customer services straight away, to find out what was going on, and explain that in no way did I commit fraud, and why had this been listed onto my credit file?? I am still waiting for a reply from Transunion. I then went onto mye-mail address,s, checked through them all, Not one single mail from Capital One, attempting to do due diligence checks with me? No phone calls or messages either??NO CONTACT FROM CAPITAL ONE AT ALL- JUST A HUGE FRAUD FLAG ON MY CREDIT FILE, ACCUSING ME OF FRAUDING THEM?? I was so shocked, and physically ill, i didnt know what else to do.Today I finally managed to get through to Capital One Credit cards, where they refused to give me any answers to my questions, and instead advised me that their fraud dept would contact me?? They spoke to me as though I was nothing, and informed me, that they had posted a letter to me 2 days ago, in order to find out if I did live at my own address?? Apparently, if I replied to them within 28 days, and confirmed to them that I had indeed made this credit application, then they would proceed with my application?? I couldnt believe what I was hearing?? I have not received this letter yet, but even worse, they made the decision to brand me a fraud on my own account, before waiting the 28 days for my reply to this letter that they said they sent to me?? I replied that I wanted no more to do with this Company, or their unethical and illegal practise, I wanted their false allegation taken from my credit file straight away!! And DO NOT WANT THEIR CREDIT CARD"- What this Company has done is appalling!

    ...

  • author
    brandith powers
    Aug 23, 2022
    Trash company filled with liers

    This company is horrible they will destroy your credit before helping you build it up. I took out a card for 300 to rebuild my credit after my divorce I made multiple payments in the months to always stay ahead for months I made at least 2 payments a month so my credit went up enough to get a second card for walmart through them also 300 limit figured using these two I could really repair my credit over time well I had made a payment on my regular capital one card and in the two days it two to post I had 900 of fraud on my bank account so my bank froze the account to investigate they transferred my funds to another account closed that account so my payment was reversed I informed capital one eBay happend then immediately made the payment again through the new account they locked my card and shut down my account for the one returned payment I was pissed I contacted customer service I was told to get a letter from the bank stating it was not my fault and that the bank did this to my account because of fraud I got the letter from the bank it also stated there was plenty of money in the account to cover my payment and it was put into the new account I faxed this over right away to capital one then waited 2 weeks herd nothing meanwhile my walmart credit card through them was fine continued to use and make payments t then call them back to find out what's going on I find out they will not reopen my account because the reversed payment violated thier policies so even though they told me to get the letter stating it wasn't my fault and the money was there and they took the new payment from the new account they punished me closed my account my credit took a 45 point dip and then months went by I still was using my walmart card through them it's been 6 months since they closed my other card I went to make a payment the other day on my walmart card it stated it was limited I called asap to find out what that ment they had decided to close that account based on the other card having the reversed payment over 6 months ago even though I didn't miss a single laymen by on this walmart card in the whole time I had it that's what was told to me I didn't live up to the credit company's standards for card use because of the reversed payment by the bank due to fraud over 6 months ago on another card they are pieces of crap they don't want to help thier customers rebuild anything in this day in age where identity theft is huge fraud is huge they better get a better handle on helping thier customers then they do or they will lose more people then they realize this company is money hungry they don't care about thier customer and they lie right to you. You jump through thier hoops and they turn around and screw you anyways I hate this company I hope it goes belly up

    ...

  • author
    roy
    Aug 22, 2022
    I have a credit score of over 900

    I have a credit score of over 900. Recently applied for a Post Office credit card, which is provided by Capital One, I made the app, then received a letter infoming me that someone has tried to impersonate me and to call a 0344 number, kept me on the line for ages then told me to send a letter a CCR (whatever that is they did not explain) with my account number, which I dont have. What a pallaver! so I put the phone down as it all seems a rogue organisation.

    ...

  • author
    Carla Pritchard
    Aug 21, 2022
    I would think twice before doing…

    I would think twice before doing business with this company they have bad customer service

    ...

  • author
    Megan Wilcox
    Aug 21, 2022
    Bait & Switch

    Bait & Switch After a death in my household I got behind on bills. When I was finally able to get my head back up, I called to pay off and settle my account with CapitalOne using a consolidation loan. I needed the specific amounts from each company I was paying off. I spoke to a representative named Sophia (ID # NEA539). She provided me with an amount that she said was approved to pay off the account in full, which included generously waiving three past due fees. She advised that this payoff was approved if I paid with her that day. So I went ahead and made the payment. After the fact, I noticed the fees were not removed as promised. When I called and spoke with a manager, they advised they are unwilling to remove the fees as promised and unwilling to honor what I was told by the representative. They also advised they were unwilling to listen to the call, which was supposedly recorded. I was lied to and told anything Sophia wanted to say to get a payment made. CapitalOne cannot be expected to honor their promises, but will hurt your credit and penalize you in several ways if you fail to at all. I am very disappointed.

    ...

  • author
    BIGHAM
    Aug 18, 2022
    do not use this credit card!!

    do not use this credit card!!! A waste of time and credit score!!! once this payment processes i wont this credit use it again!!!!

    ...

  • author
    S & K
    Aug 18, 2022
    Bad Policies do not mean they can steal from Customers

    Bad policies of Capital One to have to call your personal bank to verify payment with you on the phone. WHY would they care what bank it comes from? If it is your banks fraud issue then they will refuse payment. Because I was not willing to schedule time to allow them to call my CU (during limited hours) they closed my account for fraud which is fine, but then they refused to send my $70 rebate for the purchase I had made. Absolutely do NOT recommend this shyster of a bank.

    ...

  • author
    Krissie
    Aug 24, 2022
    Horrible Experience!

    Capital One’s - Customer Service has to be THE WORST service I’ve ever received!!! No exaggeration. Built a report for years, and I can’t even receive a credit limit increase…

    ...

  • author
    Frederic Dupont
    Aug 18, 2022
    Capital One fraudeur ils m'ont volé 4124

    Capital One fraudeur ils m'ont volé 4124

    ...

  • author
    amanda kehle
    Aug 17, 2022
    Terrible customer service…

    This is the WORST customer service company to deal with. Multiple times calling and it always seems like an overseas call center. This would be fine except they can never help and repeatedly say I don’t understand or there is nothing I can do. When I asked to speak to a supervisor I was told I had to give them the name of the person I was looking to talk to. I said I don’t know your employees names. Had to hang up and call back. I then paid off over $9500. The next day got a $200 interest charge. I call back to ask to remove it since I paid in full. I have been a card holder with a good standing account for over 12 years. Was told by multiple people there was nothing they could do. I have never had any issues with my American Express or Wells Fargo cards. Both are very helpful and appreciative for doing business with them. Wish I could give 0 stars.

    ...

  • author
    Harvey Midgette
    Aug 17, 2022
    I don't believe they really help the…

    I don't believe they really help the customer I been with them for a while and got cov 19 program was trying to help I have a small limit of 200.00 and they program don't help people it got me with 200.00 late fees tried to pay them something on the balance if they waive some fees every person I talked to would not work with me at all ask to talk to a manager and the manager would not help me at all so now all these months going by and they have sent it to collections this is important and I'm stressed out my name is Harvey Midgette

    ...

  • author
    customer
    Aug 17, 2022
    Cash advance interest charges!

    Capital One has been charging me interest on cash advances that I never made over a 5 year period! Apparently when vendors input a transaction, they have the ability to reflect the transaction as cash advance or a purchase. In speaking with a Capital One representative, they do not have the capacity to override this, thus erroneously generating interest revenue. I have sent correspondence and I have spoken to customer service and to date, the issue has not been resolved.

    ...

  • author
    B.G
    Aug 17, 2022
    Does Capital One's employee handbook include the terms customer & service?

    I leave two kinds of reviews. 5 stars for exceptional service that I get to share and 1 stars for experiences that leave me cringing when I hear the name - in this case, Capital One. I have my checking account with 6 months worth of bills in it - not a lot, not a little a credit card with a small less than $10K limit and a steady balance that typically stays below $1,000 each month and paid back to 0...sometimes I miss the cutoff date...so they make enough off of me each year to buy a few lunches for the office (which I doubt they do). I also have a car loan payment with them. All in all - if I walked away from Capital One we'd break about even, leaving me on the losing side of $500 +/-. Which would undoubtedly turn into collections, because I can be petty and stubborn. So, I'm going to spend the next 2-3 days researching options. If any one has a recommendation, I am very open to hearing it. Capital One is absolutely, without a doubt the worst customer service I have ever experienced. It's painful to say, but I'd almost prefer to deal with Comcast and/or AT&T from the early 2000's. I worked in customer service for 3 years, I take extra care to smile when I talk, listen to whom I'm talking to believing that they don't want to come across as rude and always try to assume the best of the person while acknowledging the person's influential surroundings. That is extremely difficult to do when trying to resolves issues with Capital One. I will try to remember to come back and update with what I find as an alternative, for anyone that cares. - Mr. called customer service 11 times with 1 positive result (a card replacement - wouldn't want me not racking up that balance!)

    ...

  • author
    Dave of the Dead
    Aug 17, 2022
    Recently paid these guys 1376$ to at…

    Recently paid these guys 1376$ to at last pay my balance down to 0. So not only did they not apply that payment to my balance they tacked on another 452$ so I call to ask whats happening. Naturally the first operator doesn't understand and starts to read me my statement for the entire month. So I ask to speak with another operator, who also doesn't quite understand. I explain that even my balance doesn't add up from the date the payment posted to the day I called them. So Operator 2 puts me on hold to speak with Operator 3 who then sends Operator 2 back over to me. We do the math again. Operator 2 puts me on hold again to bring the issue to his supervisor, Operator 2 even said "that's ridiculous", so both me and Operator 2 are convinced by they math that a legitimate service mistake has occurred. Supervisor says that there "was no mistake the system is never wrong" Supervisor didn't do the math. Supervisor didn't even give a crap about the issue when someone working under him tried to bring a mathematical mistake to his attention. Supervisor shouldn't be working in the position he is, people like that are better at unloading trucks. Long story short I ran out the clock. The department Operator 2 was going to send me BACK to was closed. Needless to say when all this is done for better or worse I'll be scrapping this card, don't trust this organization with your money when they can't even trust themselves with their own. They basically robbed me and I'm giving very serious thought to pursuing litigation. Will be calling them back will also be editing this review as this situation is developed and resolved.

    ...

  • author
    Howard Lee
    Aug 19, 2022
    Bad experience when applying credit card online

    I recently applied a credit card via online. The approval department requested for the picture ID, SSN and residence address documentation. I faxed them all documents x2, they could not read due to dark print from the sender's scanner. I reduced my scanner contrast to low, then faxed again, the fax copy now is too light. I believe the scanning department did not review, then readjust the contrast setting on Capital One scanner before scanning the customer's faxed copies into the system; this is really needed in order to compensate for the customer's scanner contrast setting as either too high or too low. Finally, I mailed those documents with perfect original copies, they claimed those copies are still too dark to read? I believe they scanned the customer's mailed documents without reducing the contrast setting on their scanner, and the customer has no control over the quality of a perfectly copied documents, once mailed to Capital One. The scanning department should be trained on proper scanning of customer's faxed/mailed documents. I spoke to different approval representatives x5, they kept telling me to to refax or mailed those documents, and I told them that I did x4, and they all became unreadable, because they use improper or default/standard contrast setting on their scanner, even on the perfect and readable mailed documents. Lastly, the online scanning of barcode/picture on the driver license via IntellID app did not work at least on my mobile phone, so I was asked to use another mobile phone or asked another person to help me with the other mobile phone for scanning. In this case, it is not feasible and not practical to keep an alternate mobile phone just for this use. I ultimately requested to withdraw the online credit card application. Based on my personal experience, do not apply the credit card online when possible, especially if the scanning department has not reviewed and updated the procedures for rescanning those customer's faxed or mailed documents into their system.

    ...

  • author
    Sultan Haleem Khane
    Aug 16, 2022
    Easily one of the most subpar credit…

    Easily one of the most subpar credit card experiences. Great cards poor customer service. 3+ months almost trying to get some tech support to solve THEIR problem and they have the nerve to tack on late fee after late fee but 3 months later and yet another angry phone call (and a different support person) suddenly a five minute fix has found the solution. Pretty ridiculous that it took 3 months for Capital One to apparently do a five minute task and now the problem is fixed. I will be paying off this card and abandoning these guys. Customer service was great in the beginning (longtime customer) but pandemic has brought them down. I am not paying wild late fees for what was Capital One 's problem and I made every effort to document this; tweet, call in, you name it.

    ...

  • author
    Very Unhappy
    Aug 13, 2022
    Worst experience ever

    Worst experience ever! My dispute of over $1500 was denied with no real support. The customer service reps are not trained to help guide you which leaves you to feel uneasy. I was ripped off. I’ll never trust them again! Terrible!

    ...

  • author
    Edbart
    Aug 13, 2022
    Really bad company

    Really bad company, unfortunately after 5 years with them I finally realized how useless they actually are, 0 customer support, 0 offers, 0 help with costs, interest or payment plans, 0 rewards and I mean ( 0 ) this card literally does absolutely nothing!! So 0 stars for capital one.

    ...

  • author
    Steven Capehart
    Aug 12, 2022
    The absolute worst customer service

    The absolute worst customer service. All I wanted to do was change my phone number because of course you NEED a phone number to even access your account for "security purposes". Apparently you can't verify yourself in any other way so god forbid you change your phone number you are absolutely screwed. Talk to an automated system for 10 minutes that can't do anything. Then you talk to an agent who can't help you and refers you to another agent. Finally the last agent makes you have to jump through a million hoops. The worst customer service I have ever dealt with

    ...

  • author
    Vivian
    Aug 11, 2022
    No effort

    Very disappointed! Don't know why they bother having representatives answer the phone.

    ...

  • author
    giovanna nicassio
    Aug 11, 2022
    I have been a loyal customer for years

    I have been a loyal customer for years. Their customer service has gone downhill FAST! I have tried to dispute multiple things ($600 and $1300 worth, not chump change) and they will never side with you! I even had organized a whole email thread with a merchant where they said multiple times there are no tickets, it was a mistake and the charge should fall off along with a screenshot of my personal account where I was charged again for the tickets and they still wasn’t enough “evidence” to reverse the credit. I had multiple emails where the merchant said it was a mistake, there were not tickets and the charge will fall off. Eventually the merchant took the charge off but capital did NOTHING! They put up so many hoops and light them on fire and have you jump through. Then I just called again with the rewards department, issues with transferring my miles with one of their partners. I wasn’t able to book a ticket so I wanted my miles transferred back to capital one and they “couldn’t do anything, we closed your case”. The customer service guy kept talking over me. I said I wanted to complain and he gave me a PoBox. The worst!! I just got a chase preferred and will make that my primary. I’m so upset and pissed with capital one. There are lots of other travel benefit cards, chose someone other that capital one!!!

    ...

  • author
    J C
    Aug 10, 2022
    always very long wait to talk to a…

    always very long wait to talk to a customer service, and chat is usless.

    ...

  • author
    Laura Murphy
    Aug 10, 2022
    Capital One does not look out for its…

    Capital One does not look out for its cardholders. I have always paid more and on time, but the one time I needed them I got nothing but lies. I placed an order using my card over the internet, the merchant, ACF Wholesale kept extending the ship date. I ordered Dec 13 2021 and finally got fed up and cancelled May 20. After waiting several weeks for the refund ACF said I would be receiving I contacted my credit card company. When I called them the first time they reversed the charge and told me they would send me papers in the mail (I never received) and contact the merchant for their side. I assumed if they were doing this, they would find out the order was cancelled and the credit would stand, but nope, they didn't do that. They did absolutely nothing. One manager I spoke with said they don't reverse charges, they just put a temporary credit on your card to give you time to resolve, another lie. When I look at my order now on the ACF website it says "Declined" and has the very date the credit card company gave me the credit. Then they reversed and gave the money right back to the merchant knowing I did not recieve anything for it, because I sent them all the paperwork to prove it. They are basically making me pay $1050.22 for something I never received. but because I didn't contest before Feb 13 2022 they wouldn't help me. The merchant will not respond and Capital one did not help me resolve in any way at all because it has been over 60 days. That is wrong. I cannot help if the merchant has shipping issues, if anything my card should have never been charged in the first place since the order was never shipped. I have several cards and an auto loan through them, but I will be taking my business elsewhere.

    ...

  • author
    Christine
    Aug 10, 2022
    I'd give a 0 if I could

    I'd give a 0 if I could. My bank sent a check to pay off my credit card and have proof capital one cashed the check. But according to capital one, that check was never to be seen and I still owe the $2,800. No no no. Eat glass capital one, I don't owe you nothing. Needless to say I canceled my credit card. Worst customer service EVER!

    ...

  • author
    Disgruntled
    Aug 10, 2022
    Re Persistent Debt threats

    Furious. Cancelled card. Been funding CO with huge interest for years, never defaulting paying minimum each month on time without fail. Threatening ‘persistent debt’ letters saying will have to suspend card if dont pay more than minimum - so had enough of being put down by these letters and luckily had funds to pay it off. STILL got letter after saying received now will continue with interest etc that was suspended. NO IT WASNT - that hadnt even got to that stage !! How dare they basically tell fibs and threaten people like this making them feel small when people are going through an economy crisis?? Thats not helpful. I never defaulted and have luckily just been able to get it paid off but what about those that simply cant meet those minimum payments even and they are receiving threatening letters - it could tip people over the edge ? So what if in persistent debt, for rest of life even, if CO is getting their payments - they make loads out of us ? This threatening practice is not helpful, just causes extra stress to decent people and needs reviewing. You cant change peoples spending habits by threatening. For myself to receive yet another wrongly worded letter made me ring and speak my upsettedness and totally close my account and - look at the other reviews which are terrible - will never recommend nor use Capital One again. Choose another Card company !

    ...

  • author
    NM
    Aug 09, 2022
    “Banking reimagined” is their new tag…

    “Banking reimagined” is their new tag line. They’ve reimagined customer service alright, it’s non-existent. Trying to set up a business account while standing in the lobby trying to talk/hear through glass is ridiculous. Equally annoying is juggling my articles of incorporation and a laptop on a 4” counter dealing with a minimally trained clerk. This doesn’t feel like a business relationship, it feels like trying to order fast food.

    ...

  • author
    Yasser Aly
    Aug 07, 2022
    Capital One Ofer no Client Protection

    I just discovered the capital one is the worst customer protection, I have filled a dispute and the merchant ask me to cancel the dispute to send me the refund , So I called Capital one to ask that if I cancel the dispute and the merchant lied about the refund then can I open the dispute again and they have confirmed that I re open the dispute at any time, The merchant stoped to answer and lied about the refund so I contacted capital one to open the dispute again, it was 2 charges , One they recovered for me and the other amount they told me that the time had past after the 60 days and that they can't refund me any thing, couple days later the sent me a letter that the amount they recovered for me was an error and they took it back, I am thinking to pay off what I owe capital one and never use them card again because they offer no protection for them clients and they lie over the phone and does't recognize them faults

    ...

  • author
    Sachin Budhathoki
    Aug 06, 2022
    Worst call center

    Worst call center. Worst credit card company. They put you in hold for eternity and transfer you from one department to another and solve nothing. They are a joke

    ...

  • author
    Samantha Letourneau
    Aug 05, 2022
    Thank you Capital One!

    I will always be grateful to Capital One for standing by me and being flexible when my family experienced an unexpected layoff. This was many years ago but I can still remember how understanding the Capital One representatives were during that stressful time. That kind of loyalty can be rare in the world of finance so Capital One I applaud you. Today and in the future I will always choose Capital One to service all my credit needs.

    ...

  • author
    Nicola Crudele
    Aug 05, 2022
    Never received an upgrade

    I have two Quicksilver cards with Capital One for about 5 years now. Ive been trying to upgrade one of the cards to a Venture card to gain travel points. Ive had many calls with them to see for an upgrade for the past two years, the answer is always the same. No OFFERS at this time. I have moved my checking to Chase bank as well from Capital One bank. I dont like how i have been treated all these years when Ive only been a great customer and great payment history with them. I will keep these cards open so i don't damage the credit by closing them. Hopefully, Chase bank, will give me a great opportunity banking with them and maybe theyll offer me a great travel credit card like the Sapphire Reserved. I already have the Sapphire checking account with them. Done with Capital One.

    ...

  • author
    Fainot P
    Aug 04, 2022
    CapitalOne is obsolete

    CapitalOne is obsolete! If you value your time and money—Stay away

    ...

  • author
    Nenita Ferguson
    Aug 04, 2022
    ALWAYS ADJUSTING YOUR ACCOUNT FOR THE BENEFIT OF THE MERCHANTS.

    They are supposed to be impartial in settling a credit card dispute, but they are always advocating for the merchant even though the merchant is not raising an issue. It is ridiculous how they always adjust your account to accommodate their merchants. Their dispute process is not all about submission of documents, but let’s protect the MERCHANTS!

    ...

  • author
    Leo McCormick
    Aug 04, 2022
    One brief experience

    One brief experience: they are thieves hIding behind all kinds of computer and voice robots. ALMOST impossible to communicate with them. They do not use email so NOTHING IS IN WRITING. You must send snail mail, (which they will not, most likely, answer) OR you may call and wait a half hour to talk to someone. My only dealing with them was very recent. I was supposed to get a CC in the mail. Never got it. I had to call......thieves hidding behind robots and deniability........Rating? TRIPLE ZZZ

    ...

  • author
    Joe Morse
    Aug 03, 2022
    Shady Intro Rate Practices

    I got a balance transfer offer from Capital One last year for my Quicksilver credit card and I like to take advantage of these offers to make money. The deal was, I would pay 3% flat fee, then 0% interest for a year. Usually, I make sure to track when I need to pay off the card to avoid the interest rate spike and crazy interest charges. But I didn’t do that for this one for some reason and, of course, they don’t display the end of the rate online because they no doubt want you to pay interest. So, I called and a customer service representative stated that I had several months more for the promotional rate. “Great!” I thought and didn’t pay off the card. A couple days later, I got $114 interest charge for the money that was supposedly under the promotional rate. I called to get some clarification and they bumped me up to an account supervisor who, after expressing some skepticism that I incurred the debt through a promotional offer at all, was able to figure out the truth: the rate had ended. I asked her if she could waive the interest rate considering a Capital One customer service representative had misinformed me that the rate was still good through October and she said she couldn’t. Yeah right. If you have an option, please don’t do business with these people. You may save yourself the infuriating experiences like this.

    ...

  • author
    Ashley
    Aug 02, 2022
    BE AWARE !! DO NOT BANK WITH CAPITAL ONE

    Don’t trust It! They scam and steal all of your money , close your accounts and keep your money

    ...

  • author
    Suzanne Fiedler
    Aug 02, 2022
    I lived in Germany for a long time and…

    I lived in Germany for a long time and was an Ing-DiBa customer. When I returned to the US after many years, I found out that Ing-Direct was a sister bank here. Since I was and am very satisfied with Ing-DiBa, I applied for an Ing-Direct checking account. I was a customer there for many years. A few years ago Capital One took over Ing-Direct. My Ing-Direct checking account turned into a Capital One checking account. A couple months ago I decided to make this account my main checking account. I set up almost all bills to be paid from this account. Then I tried to send a wire from this account. Capital One refused to send the wire, because they were concerned that the receiver was illegitimate. Instead of leaving it at that, they closed my account from one day to the next. I was left with chaos, because I wasn’t able to change the bill paying from one day to the next. Luckily everyone involved was understanding. Yesterday I got a check from Capital Bank for 46 cents. I wouldn’t recommend Capital One checking to anyone!!!

    ...

    BestMoney.com

    Copyright © 2009-2022 Natural Intelligence Ltd. All Rights Reserved.

    By using our content, products & services you agree to our Terms of Use and Privacy Policy.

    NMLS Consumer Access

    Bestmoney is a dba of Natural Intelligence Technologies Inc.

    Natural Intelligence Technologies Inc. NMLS # 2084135

    CT: Mortgage Broker only, not a mortgage lender or mortgage correspondent lender.

    • About Us
    • Cookie Policy
    • Terms of Use
    • Partner with us
    • Privacy Policy
    • Contact

    Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

    Insurance services offered through Natural Intelligence Technologies Inc.: Licenses

    Reproduction in whole or in part is strictly prohibited.