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Capital One Review

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Reviews 843

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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
AverageReviews 843
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Trustpilot reviews

See what some costumers are saying about Capital One
Capital One
BadReviews 843
on
Excellent
6%
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1%
Average
2%
Poor
5%
Bad
86%
  • author
    Kam Kabasakal
    Jul 08, 2021
    I called capital one and spoke to Tina

    I called capital one and spoke to Tina, she had a great energy and great customer service

    ...

  • author
    Hamo Yedgarian
    5 hours ago
    It's absolutely tiering!

    It's absolutely tiering! Lots of cards are run by capital one, latest card post office card none of this card except payment buy a debit regesterd card on thair app. It's been going on for years fix it!!!

    ...

  • author
    Ashley McCauley
    17 hours ago
    Capital one blows

    If you're looking for an institution that likes to charge you a late fee on the due date, then this is the perfect place to go! Capital one will charge you a $40 late fee on the date your payment is due. They will also give you a low credit limit with 0%, but only increase your credit limit after 6 months.... so basically enjoy spending $300 per statement period and enjoy paying off the balance every other day to make room for more available credit, and when you call and speak to someone have fun trying to understand what they are even saying. I have made over 200 payments on time in a row on my credit report, over 720 credit score, my income is over 100,000, and they gave me a 300$ credit limit. No perks, only bs charges because they can't make money off me until that 24.99 kicks in. I can't even make more than one purchase without maxing the card out

    ...

  • author
    S Danilov
    20 hours ago
    Capital One is garbage

    Capital Zero is garbage. Definitely incompetent imbiciles. Go with Amex or Discover. Capital One will never get my business again.

    ...

  • author
    Lissette
    2 days ago
    Omg I wish I had know the worst crazy process…

    Omg I wish I had know the crazy process to get my new card activated. I was pre-approved, created the online account and was told one thing after the other to get my card activated. First, they asked me tons of questions, Then they said I had to provide a copy of an ID card and Social Security card. Then those 2 plus a bill with my name and home address. This is from a Manager after I was pissed!! She sent me the link and provided the information. She said that as soon as they receive it that they would activate my card. Aside from the 30 minute phone call every time I call, this is the most horrible experience ever. I call back after a few hours to double check they got my information and the new customer rep agent mentioned that they need another picture of my social with all 4 corners and my signature and a utility bill. Well, I don't have a utility bill bc I do everything online. The utility is under my parents name bc I didn't have to put them under my name. Manager #2 tells me that the corner edge of the social was cut off. You can see clearly my full name and the whole number. Noooo they need the 4 corners, etc. And if you do not have a utility bill then you have to send a copy of your bank statement. So I said, Ok will do it but I don't want to show you my bank #, you can have the other information. They want all your data to mess with you!!! If I do not get my card activated tomorrow and they ask me for another document, I'm gonna loose it. Then I will just cancel it. Forget this whole b.s. process....I was stupid not to read the reviews in advance. Wont happen again.

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  • author
    Johanna M Carmen
    2 days ago
    Customer Loyalty

    I declined your 100 increase, which was insulting by the way, why because I have had you credit card 4 yrs, paid it off multiple times, never, ever late or pass due. I deserve better from a company that claims I am a valued customer. You keep asking me to refer my friends, you are not even treating an existing customer well. So you too get a 1.

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  • author
    Vyacheslav Funtikov
    2 days ago
    Capital One froze my account!!!

    Capital One froze my checking account last week, pending an investigation! They never informed me of the results! Stay away from Capital One! They hold your money for no reason, they need to be investigated!

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  • author
    Dana Reed Matthews
    2 days ago
    I would not recommend any anyone to do…

    I would not recommend any anyone to do business with this company. I am $9200 in on paying a car loan that I've been paying on for 3 years. The original loan was $14k. To date I still owe 10K!!! You do the math because apparently someone else is not. I am about to get from under this scam as fast as I can and NEVER look back! When I called to discuss we were put on hold for ever and the phone hung up. Looks like they don't want to discuss their scam either. Dana Matthews

    ...

  • author
    Zeth Pankhurst
    2 days ago
    They were not even helpful even when I…

    They were not even helpful even when I was nice to them! I had my debt paid off and I wanted to find out if they can remove this stupid charge off from my credit report and really they told me that I can reapply for the credit line and guess what they would not pre approve! I am very frustrated at them and their call center was not even helpful and I know that they can remove that dumb charge off but they messed me up big time!

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  • author
    Olga Ivanova
    Jul 23, 2021
    Awful

    Awful! Identification system is a nightmare, 3 calls, 4 links, 3 reps! Closed my account with them and finally happy! Do not deal with them!

    ...

  • author
    Brian Eva
    Jul 23, 2021
    capital one balance Transfer con

    Applied for a capital one balance transfer card and to transfer £3000 0% interest for 21 months plus transfer fee. all excepted no problem. card turned up with £500 limit. when registering on the app with the details it then tells me balance transfer refused due to credit limit. so now my credit reference has been affected due to applying for this card and I have now just closed the account. What a joke beware

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  • author
    Candycharms
    Jul 21, 2021
    I have paid in full every time every…

    I have paid in full every time every month early twice a month sometimes to equivalent of it being paid with zero balance for over 6 months with a credit score in mid700s and capital one NEVER has sadly increased my limit and when I asked before closing a credit card if it’s possible they didn’t help just referred me to close it so I did. The amount I was given was $500. Lol the lowest in history for a high credit score and income and payment always on time. capital one- work on your credit automatic increases stop being stingy and you won’t lose good customers who are responsible and credit worthy. Also other credit cards offer a extended limit if youve paid in full for over 6 months and have great credit with them- LEARN FROM THAT.

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  • author
    K Parris
    Jul 21, 2021
    Seems to hate the customer

    I don't really know how to properly explain how much this company acts like it dislikes its customers. The staff are not properly trained and continuously provided wrong information as I tried to get my name changed - what should've been a simple process. I had to change my name on dozens of other platforms and items, but for some reason this one made it impossible. Their tech systems don't work (wasn't getting emails to my personal domains for years, which I didn't realize until I gave them a backup gmail account that did work). When I made a final attempt today to finally get the name changed - my last ditch effort - I only encountered even more roadblocks and realized "why would I keep dealing with these folks instead of simply getting a different card??"

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  • author
    Shirley brown
    Jul 21, 2021
    Rippers

    Rippers, they wanna keep your money to themselves. Giovanniamore99@outlook On Email Address helped me fixed things. Thanks to James Calvin who introduced me to Giovanniamore99@outlook

    ...

  • author
    Maria
    Jul 21, 2021
    They don't care about customer

    They don't care about customer, customer services really bad don't know what they are doing

    ...

  • author
    Cinny Libra
    Jul 20, 2021
    Charged Me for an order that I never received

    I ordered something from Home Depot, but UPS never delivered my package. As a result, I decided to dispute the charge. Why should I pay for something that I never received? I gave the customer service representative the tracking number for the order, and all the info they needed to dispute the charge. But they decided to charge me anyway for an order I never received. Do not do business with this credit card company! Read the reviews! Capital One is the worst credit card company out there.

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  • author
    JA
    Jul 20, 2021
    Worst credit card

    Worst credit card - not reachable for help/service. They will damage your credit and cause you mental stress. Stay away and advise everyone to stay away - it is a big legal scam. I stumbled on them as a Costco credit card and dealt with them - until they suddenly suspended my card without advising with the claim I was behind in paying off my last bill of $68; which is peanuts in comparison to the other bills I have been paying regularly on time. I could not reach them for explanation (no e-mail, computer answering machine goes in endless cycles and then hangs up; virtual chat robot is totally useless...) - simply it is a scam - the hundreds of bad reviews should have been enough to have this business punished and shut down.

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  • author
    Jonathan A. Weiss
    Jul 20, 2021
    The bank is now a disgrace

    The bank is now a disgrace. No one should use it. I would leave immediately except for difficulties in changing alll automatic deposits and withdrawals. Branches can not do anything you ask, including activate cards you can not because their website does not work, print out balances. They never answer phone calls except to put you on hold. If statements arrive they are two weeks late. Their routing numbers contain symbols making it difficult to pay by phone. The list goes on and on. I once recommended them and obtained them customers.. Now I warn everyone away.

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  • author
    Miss Broom
    Jul 19, 2021
    this credit card is so totally useless

    this credit card is so totally useless. I use the card as it is suppose to guarantee money refunded if product is lost, broken or faulty. i have tried to get my money back on two items that arrived faulty. after loads of emails of proof on both accounts they refused to refund me. on the last occasion they tried to tell me i paid through a third company so they do not need to refund which i did not. I have told them this and i have been ignored. My bank has now offered me a card so i will be closing this account with capital one after being with them for a few years as they are totally useless.

    ...

  • author
    Julia Woodruff
    Jul 19, 2021
    Our car was damaged by hale after a…

    Our car was damaged by hale after a storm and even tho they will be paid off early in full by the insurance company me & my 9 year old son with autism will be on foot. How in the hell can that be legal? I paid way to much monthly for the car & the full coverage insurance, did not do anything wrong as nature damaged the damn car and all that money was spent for nothing. If you want to be treated lotally after being a loyal customer this is not the company to pick.

    ...

  • author
    Iain Butler
    Jul 19, 2021
    Awful,RIGHTEOUS,predators preying on…

    Awful,RIGHTEOUS,predators preying on the vunerable. Should be ashamed of themselves. Obviously they are not with the billions of ill gotten profits

    ...

  • author
    Jeff Parks
    Jul 19, 2021
    Capital One is just a cold machine

    Capital One is just a cold machine. After 15 years of loyalty, I am gone. I was late on two credit card payments and got the late fee and rate increase. They don't care that I have cancer, just had an episode of blood clots in the lungs, and then another episode of sepsis. My detailed letter to them was answered with a form acknowledgement and one month rollback. Grrr. I teach Customer Delight. Well, this is Customer Rage!! When calling today, I got elevated to Senior Accounts Specialist Edwina ... and all she wanted to do was to tell me the what the requirements where when I signed up for the card. So, it's clear where the company's head is at. Go spend gazillions on your stupid commercials and try to bring in new blood. All it would have taken to keep this loyal customer was to forgo the rate increase and bring it back to normal ... but NOoooo ... we have our rules. Well goodbye Capital One. Don't let the door hit you .....

    ...

  • author
    Qiana Evans
    Jul 19, 2021
    I experienced the WORST customer…

    I experienced the WORST customer service with Angie #GFJ857! When I ask to be transferred, she said there was no one above her to assist. Excuse me, no one above you, are you Mrs. Capital One? I asked. I need to speak to someone above you. Horrible, Horrible..... customer service.

    ...

  • author
    Beatrice Govati
    Jul 19, 2021
    My experience with capital bank is…

    My experience with capital bank is really terrible, they are not well organized. 2 months ago I deposited a cheque, it was pending for 1 to 2 weeks then later they put money into my account! But surprise I couldn’t take my money. When I call them trust me they didn’t help me! They didn’t even come up with a point that someone can take, All they say is nonsense,,I’ve been talking to deferent people and everyone was coming up with deferent story!! It’s been sad because the state I live , they don’t have there branches not even one and I had to travel to another state. Was far like 2 and half hours driving! I tried to give them even information about where I get cheque so they can call them they refused anything and yet they can’t even release the cheque it’s now 2 months without anything.. I’ve been asking to speak with manager they said I can’t speak with manager,,,,,,,,,,I head someone saying they do that to foreigners. I thought it was a joke until this happened to me. Sometimes even when I call and if they know it’s me again,,they hung up the phone! Really I can’t give up this money is too much!!! $29730 someone worked hours and hours to get that money!! So this bank can not just take that money like that!! I will never use this bank anymore! And I can not recommend it to anyone!! Because of that cheque they told me they have closed my account! Which my account is still active. That money is still there but I can’t use it or transfer!! They told me they are done with investigation they were doing but I don’t see anything or any action taken! I hate this bank I can’t wait to finish everything with this bank because I will never even think about this anymore!! 2 months now just holding money as if money is theirs!! I hate this bank hate hate this bank..😡😡

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  • author
    Joseph Diabolik Calogero
    Jul 18, 2021
    Inconclusive

    Had a security breach with capital one credit card withich resulted knocking the card. Contacting the company, a female employee responded as courteous as usual. She replaced the card BUT she did not fully disclosed the options. The card was tardy and contacting the company LYLE the supervisor replied explained that another way to receive the card faster was in place but he couldn't do anything. For 16 dollars that I have to pay I lost businesses because of 2 people inconclusiveness. I do not know because it's a company policy or because it the dumbness of 2 modern people that not fit the role.2 stars ONLY because they were polite. I believe retrain is necessary

    ...

  • author
    Bethany Amaya
    Jul 17, 2021
    Unprofessional and unorganized

    First, trying to change my last name on the auto loan after I got married is a nightmare. I've been trying to do that for years. I've given up. The app they have To make your payments for your auto loan is trash. They took two payments out instead of one. They overdrew my bank account and refused to refund the money. Instead they said they can send a paper check and that would take 10-14 business days to get to me. My account was overdrawn because of them and they refused to pay the overdraft fees I would have be charged. What a joke!! And now I made a payment on the 2nd. It is now the 17th. I get an email saying it didn't go through. I have plenty of money to cover that payment and have made all my payments the same way everytime and never had an issue. I called and They said it was because of my bank. I called my bank who I have been with for 18 years and never once have had issues with them. They tell me capital one rejected my payment. So I call capital one back. They tell me they will not back date my payment even though it was an error on there end and now I have a late payment!!! I have never been late!!! Ever!!! Do yourself a favor and stay away from this company. They also follow a script and just repeat the same lines over and over again like a robot because they obviously don't know how to actually talk to people.

    ...

  • author
    Kerry
    Jul 17, 2021
    I recently got a credit card with them

    I recently got a credit card with them. I asked them to bump up my credit line and they said I can only do that online. They said there is no human being that I could talk to it about. I was denied. They can't tell me when I can apply again or how long it takes to get a credit line bump. Only the computer can increase your credit line. They are run by COMPUTERS.

    ...

  • author
    Daniel
    Jul 16, 2021
    Seriously

    Seriously, stop sending me pre approved credit card mail when you decide to deny me on the spot and cause 3 hard inquires.

    ...

  • author
    LYNN HANSHAW
    Jul 15, 2021
    WARNING

    WARNING, WARNING, WARNING. Although Capital One works beautifully in many instances - never, ever use it for gas purchases at the pump. I was double-charged by Love's. Capital One told me that they cannot reverse the charge despite seeing the double charge because they have no jurisdiction over gas pump purchases. If you are going to use your Capital One charge to put gas in your car - go inside.

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  • author
    mary price
    Jul 15, 2021
    CAP ONE IS RIDICULOUS

    CAP ONE IS RIDICULOUS! They have a horrific travel program- DO NOT USE POINTS TO BOOK TRAVEL! I have been trying to rectify an issue for points due to covid and have been ON HOLD FOR DAYS just waiting for one person who can make a decision. I was a customer for many years- now my family and I are moving on! How sad they have such horrible customer service!!!!!!!

    ...

  • author
    Dan S
    Jul 14, 2021
    WORST bank to ever work with

    WORST bank to ever work with. They added some b.s. charge at the end of 6 year car loan. I have never been so unhappy with this loan,they have failed.

    ...

  • author
    Laguna Music
    Jul 14, 2021
    One of the worst credit card companies

    I’ve had their credit cards for two years, always paid off my card every month, used it for everything and always paid the bill using the same checking account. Now every couple of months they’re making me go through a process that takes hours to verify my bank, it makes no sense because I use the same bank every time so now every few months I have to verify the exact bank account and it takes forever. They tried having me upload documents but it doesn’t work. Also I’ve had the card for 2 years and they’ve only bumped me up to $700 from $500. On the flip side my Chase Credit card has only been a year and they doubled my credit, and I never have to deal with any issues with Chase. Capital One, everything is automated so their system basically sucks and makes life miserable for their customers. Today I’ve decided for the first time ever I will be closing both of my capital one credit cards because I’m sick of dealing with them, alternatively I’d just leave those cards in a drawer. No point in using cards I have to go through hours every few months just trying to verify the same information over and over, definition of crazy.

    ...

  • author
    Abdennor Younef
    Jul 14, 2021
    The most frustrating experience with CC…

    The most frustrating experience with CC supervisor badge ID Uqf749. It seems like the new hires are under trained. 2 years ago capital one was my favorite, now I’m thinking about switching to discover.

    ...

  • author
    Steven
    Jul 13, 2021
    I called Capital One to fix my login…

    I called Capital One to fix my login information I was transferred to Hector Employee ID# HBU when I asked him questions about my account he started to laugh and smirk and extremely disrespectful I asked him to speak to his supervisor which he started laughing even more and transferred me to it which transferred me to the escalations team. The only reason they're getting two stars the person that escalation was extremely friendly. Hector Employee ID# HBU does not deserve a job with customer service at all the rudest person you ever meet just remember without the customers you would not have a job. I really hope that they fire him to save the next person a headache.

    ...

  • author
    Mike Clinkenbeard
    Jul 12, 2021
    They hold your payments

    This company constantly flags and holds legitimate payments for weeks on end. You will make timely payments and then they won't apply them to your balance for WEEKS. They will require you to make a 3-way call to your bank and divulge personal information to a third party to 'verify the payment posted'. Excuse me , its 2021- I have an app that shows me the payment posted weeks ago... They will keep your money and hold it at will. You've been warned.

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  • author
    Joseph G
    Jul 12, 2021
    Capital One - Vindictive!

    I've had 3 Capital One Cards since about 1999 or earlier. Never late or missed a payment on any of the 3. In about 2011 I began receiving calls from Capital One about a debt I owed on a card that did not match any of my 3 account numbers. The calls began to increase from several a week to sometimes 2 every day, and the reps got nasty. This frustration lasted a year until I hired an attorney, sued and won. In 2019 I closed one of the accounts and kept my business card and one other. I thought the harassment was over. I was wrong! Capital One began sending emails on a regular basis to open additional accounts, use my credit to purchase cars, etc., but I was always suspicious of the offers. In early 2020, I asked Capital One for a refund of the annual fees on one of my cards since it carried a zero balance and I had not used it for a couple years. They complied. In December, 2020 I applied for a card and got more than I expected. My application was denied, and, Capital One canceled all the perks and buyer's benefits for the card I asked to refund my annual fee. I pulled up my credit reports and found that Capital One reported that all my accounts with them were in dispute for years, and that they had multiple addresses associated with my accounts that I'd never lived at. I then filed a complaint with the Consumer Financial Protection Bureau, who reached out to Capital One and who did reply. However, Capital One did not respond at all to the complaint about the false claims of a debt owed them, nor did they give a truthful answer as to why they denied my application or canceled my benefits. Capital One also refused to remove the false claim that "I" am disputing my existing accounts with them. Capital One also failed to mention that I dispute addresses that I've never lived at, and gave no reason why the addresses are on my report or why they refuse to remove them, especially since the addresses are in some pretty bad areas of Miami, Florida! Since I've never lived at any address in Miami, or any of the Dade County, Florida suburbs, I'll have to file another lawsuit against Capital One for reporting false information and intentional neglect for refusing to remove the false and derogatory information from my credit reports. A copy of this review with all documentation will be forwarded to the Miami, office of the FBI.

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  • author
    Cindy Wilson
    Jul 12, 2021
    Capital one shut down my card after…

    Capital one shut down my card after possible fraudulent activity even though I called and said that all the charges were correct. They never informed me that I they shut down my card. I was out of state and had no card. It was a ridiculous inconvenience when there was no fraud on my card.

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  • author
    Hope Wilson
    Jul 11, 2021
    I just want to use this platform to…

    I just want to use this platform to commend them on their ostounding lack of customer support. Good job.

    ...

  • author
    Dylian Ross
    Jul 10, 2021
    This people are with filled with…

    This people are with filled with deceit, You can go to this site factstrust.com and report them to get back all your money I was a victim to and they helped me get all my money..

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  • author
    steve a schneider
    Jul 08, 2021
    Goodwill is a Scam Here

    Had two Capital One cards. Mistakedly made payments to one card while missing payments (2) on other card. Called to request dismissal of the late charges and request was declined. Don't let the feel good image fool you. They will grab any money they can.

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  • author
    David Davis
    Jul 08, 2021
    beware of due date

    they always find ways to stick you with hidden fees and look out for due dates because if you make your payment on the due date buts it's not by certain time they will immediately hit you with a late fee.

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  • author
    Jalah M Pace
    Jul 07, 2021
    Worst app ever can't get in it forgot…

    Worst app ever can't get in it forgot password and can't reset it because stupid Capital one can't send text toy phone. I'm paying off my bill and canceling my two cards.

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  • author
    Ghia Ferrari
    Jul 07, 2021
    Zero Customer Resolution

    Stay away. No customer service. Their policy is anti card holder. Expect to pay two or 3 cycles of interest charges for paying minimum. Meaning two payments ( 2 months ) for paying minimum in one due date. It's a RIP off. Chat service is a robot. No human communication in chat. Useless chat. Call the representative and its the same as chatting with a robot. Basically useless. You will get no help, satisfaction, resolution whatsoever. No email address. No full name of the representative when they ask you your full name, dob, and all security questions. But you cannot do that to them. One sided transaction. Stay away. Do not apply to Capital One. Do not use it anymore if you have one. Zero star is my rating. Believe me. Stay away. Do not believe the other high star reviews. You will thank me. Stay away.

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  • author
    TS
    Jul 07, 2021
    Capital one keeps spamming my emails…

    Capital one keeps spamming my emails with friend referral bonuses. I referred 5 friends, 3 got approved but I never received any bonus even though 8 weeks have passed. I called capital one and they said I shouldn't worry and I don't need to call because the bonus gets applied automatically. Except that it doesn't. Do not trust them with any of their glorious promises...

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  • author
    Lewis
    Jul 07, 2021
    Taken DOUBLE PAYMENTS TWICE

    TWICE now they have taken a double payment from me without my authorisation! The first time they simply took double what I owed and when I confronted them they simply said it’s my fault for not telling them not to take it! And now they have taken extra to what I paid off this month! Both times they have sent me into an overdraft! It’s unacceptable! AVOID!

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  • author
    Barry Pitluck
    Jul 06, 2021
    Case # 210608192317848 DIDN'T check FEDEX

    Case # 210608192317848 I explained to customer service that the item purchased on JUNE 5TH in the amount of $31.23, was sent for delivery JUNE 4TH(how can something be shipped before placing an order). It reached it's destination JUNE 8TH (not my address). The FEDEX tracking number gives all of this (did anyone at Capital one verify the FEDEX tracking number)provided by the merchant.Did CAPITAL ONE notice that everything was wrong and that I did not receive the item, I GUESS NOT, THEY REPOSTED THE PAYMENT TO MY CREDIT CARD and closed the case. Maybe CAPITAL ONE shouldn't be in MY wallet!

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  • author
    Regis Moore
    Jul 06, 2021
    Random Policies and no explanations

    Even though I'm a long time customer and have made payments between my 2 banks many times in the past. They occasionally put a 7 day hold on applying your payments. Very annoying. I'm going to close all my accounts with them.

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  • author
    Caroline
    Jul 06, 2021
    A Cautionary Tale - Get Out of Debt and Get out Now!

    I've had Capital One forever, but lately they have become predatory. Let this be a cautionary tale and motivation for anyone. Get out of debt. Pay down your cards. Make a plan to have X amount paid by the end of the year. Capital One earnings for 2020 was $28.5 billion. But get late on one payment and they'll send the credit police on you. I paid my bill one day late and got harassing calls and attempts to collect a debt. You would think that with COVID-19 and the fact this company makes 28.5 billion they'd be lenient. And remind you I didn't just skip out on a payment - ONE FREAKING DAY late. Ask yourself - when crap hits the fan and if we have another repeat of the 2008 financial crisis you think this company will care if you lose your job? No. If they treated me like this being one day late on a credit card payment. Even after I set up autopay afterwards! When you call make sure the person you're talking with TAKES NOTES! Because if they don't put anything on file, you're 'late' payment will be reported to the credit bureaus.

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  • author
    Bill Black
    Jul 05, 2021
    Worst credit card company ever

    Worst credit card company ever. Don't get sold on their hype. Policies are customer un-friendly. Customer service agents keep repeating the same gibberish. Supervisors are even worse.

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  • author
    yasar
    Jul 05, 2021
    Can't speak to customer service human

    Can't speak to customer service human. Very limited options for everything

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  • author
    maria chilo
    Jul 03, 2021
    Please pick any other bank but capital…

    Please pick any other bank but capital one. I have experienced the worst customer service over the phone. The verification process took more than 3 week, then I had and continue to have problems with zelle because apparently my phone number doesn't match what they have on records which they actually do, that was one of the first things I was asked to update at the bank branch in order to have my online banking activated. The representative actually told me that I had to wait for my phone number to go through verification process which it was already verified because I did wait 3 weeks to have a debit card due their slowness in processing, anyways I had asked to speak to his supervisor and he said " I'm the supervisor" are you kidding me??, He couldn't transfer me with no one else. I'm so done with this bank. One star because I can't do 0.

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  • author
    Renee Saiz
    Jul 02, 2021
    I was lied to. They say miss informed

    I called capital one before opening an account to ask if I could deposit money from a visa gift card. I was told that I could. I had difficulty opening the account. After I finally was successful in getting the account open I told the customer care person that I wanted to transfer the money from my visa gift card. She said ok let me transfer you. Someone else came on and told me sorry that is not possible. I said I called to confirm that I could before opening the account. He said sorry that is not possible. I stated... so I was lied to, he said no just miss informed. I feel I was lied to.

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  • author
    Caleb Joshua
    Jul 02, 2021
    Had similar experience with Capitol One…

    Had similar experience with Capitol One as some others. Paid credit card, money has cleared from bank, but they placed an 8 day hold on my card. The stupid thing is that I have 2 cards with them, which I made payments on using the exact same bank account. Only one card is on hold and nobody can remove the hold. This is an idiotic practice, especially considering the fact that they KNOW the money has cleared.

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  • author
    Ben Box
    Jul 01, 2021
    My Best Banking Experience

    Capital One has provided the best banking experience I’ve ever had. While they aren’t perfect, I will be sticking with Capital One for the foreseeable future.

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  • author
    Kimberly Thomas
    Jul 01, 2021
    I absolutely love Capital One.5 stars hand down!!

    I absolutely love Capital One.. I was going through a really bad case of identity that I found out about in 2019. ..So I got their secured card for $100 and had $100 to spend.. Especially during the height of covid it was really tough.They have always had my back, never let me get a missed payment on my credit and today I have 4 cards and about a 700 credit score! And they are 24/7!!

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  • author
    Pierre Lauren
    Jun 30, 2021
    Ce site est conçu uniquement pour…

    Ce site est conçu uniquement pour recevoir et non payer. Il n'y a aucun moyen d'effectuer vos retraits, car le système vous bloque . Croyant cette entreprise à vos risques et périls, c'est une fraude, j'ai eu ma part de leurs transactions. entreprise reconnue comme { Factstrust.co m } ont pu récupérer mon dépôt de ces fraudes.

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  • author
    Gissell Rice
    Jun 30, 2021
    Worst credit card experience ever

    Worst credit card experience ever! Customer service is not helpful. I sent a payment of $9,436.01 20 days BEFORE DUE date and they put my card on hold for 1 week, I called their customer service and I was advise to send a bill pay to accelerate payment process, so I did! (I wanted to use my card for a big purchase and take advantage of the sky miles) I sent and additional $10,000 and even though the money cleared my bank they didn’t release my account!! They actually told me that the additional $10,000 will be on hold for another week. Why I’m getting punished for paying my card? Because they don’t like customers like me who pay on time and in full, they want you in debt and broke. Customer service was rude and conceited. I have the right to be upset when you are sitting on almost $20,000 taken from my bank account and freezing my credit card. I regret opening and account with Capital One so much!

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  • author
    Jeff Barr
    Jun 28, 2021
    Capital one…sucks!!!!!!!!

    Capital one sucks!!!!!!!!!!!!!!!!!!!!!!!!!. I used their card on vacation, I went 4 dollars over my credit limit. I never asked them to cover and they did on their own. My credit score dropped 50 points because they reported me for 4 dollars over my credit limit. I paid it off and dropped them. I suggest Merrick bank. They don’t cry over 4 dollars and destroy your life’s work.

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  • author
    Tristan
    Jun 25, 2021
    Just a horrible

    Just a horrible, awful company. Unfair, don't uphold what they agree to even when it is in writing. I cannot insist enough that people avoid this company and I will NEVER be fooled into using them again. Just disgusting and don't care at all about their customers. Please read the HUNDREDS of negative reviews that they can't even be bothered to address or respond to. 84% NEGATIVE at the time of this review and they just don't care. The customer is just something for them to ignore and treat like crap. I hope that this company folds very soon and does everyone a favour.

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  • author
    Sid
    Jun 24, 2021
    Weird business model

    Asked for a credit limit increase and was denied. Then I asked to cancel and was automatically cancelled. Both actions were performed by robots and I didnt speak to a real person at all. If I had a company I would fight to keep my customers and not let them cancel without speaking to a human. Long story short, Capital One has lost a customer and Amex has gained one. Capital One refused to give me a boost above my $500 credit limit. AMEX gave me $8000. Just want to point out how stupid Capital One is for letting me cancel so easily. At least try to keep my business, you fools, don't let automated machines run your company. You just lost 75 a year, and all that high interest I was stupidly willing to pay. I will buy my 1500 gaming PC with Amex. Thanks Capital one, for showing me how loyal you are to your good customers, who have never missed a payment or caused a problem. Unbelievable.

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  • author
    Jimmy Lopez
    Jun 24, 2021
    HORRIBLE ,STAY AWAY

    HORRIBLE ,STAY AWAY. Capital one has NO CONSIDERATION for consumers. Great commercials so tells you alot where Capitalone invest there money . For sure it's not resources for clients.

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  • author
    Larden Tyler
    Jun 23, 2021
    I recommend

    I recommend Don't be pushed around by the fears in your mind, Be led by the dreams in your heart. McreaRecoveryfx @outlook.com is here to make your dreams come true by investing with them. I earn 2% daily. Kindly improve your service. It was below what i expected.

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  • author
    James swint
    Jun 23, 2021
    The worst banking ive ever dealt with…

    The worst banking ive ever dealt with in my life capital one has absolutely closed every available in person banks within 100 plus mile radius which leaves nowhere to be able and make a deposit into my checking account therefor i have to go thru multiple routes in order to do so very inconvenient and frustrating i am very disappointed in my banking choice and will be closing my account do not use this bank for your banking needs!

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  • author
    Brady
    Jun 21, 2021
    This credit card company will not help you when there is a dispute

    I was cheated $168 by Parcel Monkey and Air City Post. I disputed the charge with Capital One credit card company. They credit me back $168 which made me happy for a few days. I submitted paperwork with overwhelming evidence that I was cheated, but they rebilled me right away (I don't believe they even looked at and communicated with the vendor). I have been a capitalone loyal customer for many years, Now I know they will not help you when you need it. They just want to make money. I will cancel my capitalone credit card. Please do not use CapitalOne.

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  • author
    Gary Thomas
    Jun 19, 2021
    Capital One of no use

    Joined Capital one as they are suposedly able to help your credit rating. Unfortunatly after 4 years of keeping to their instructions and following their plan my credit rating is not improving much. Have now found out that the the fact they have never increased my credit limit is the only reason my credit rating is not improving very well. When speaking to capital one they could not tell me why even though they admit that they dont know why, infact they could not answer any question I asked. I have now got a card with another company starting on a much higher limit, already had an increase and my credit rating is going up nicely. Could never recommend Capital One to anybody

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  • author
    Gustavo Moron Jr
    Jun 19, 2021
    I was charged a payment that I did not…

    I was charged a payment that I did not pay for in the amount of 49.99. I called capital and told them that I was charged for a payment I did not make. The credit me the charge for about a week and after further investigation they stated I made the transaction and that the package went to my current address. Again I have never received the package that I supposedly made. Because of this I was told by capital that I needed to make payment because they were going to charge me because of insufficient fraud. I am very upset and frustrated and customer service were not helpful at all. All they can say was that the charge can from me. Even though my information was hacked. I reported the incident right away trying to do the right thing and it got me nowhere. I did make the payment in disgust and very disappointed on how they handled situation. I have always made my payments on time and never faltered. And this is what I get for protection on them. So much for being the card in your corner. Gustavo

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  • author
    Evelyn
    Jun 18, 2021
    Worst ever for online banking.

    Worst ever for online banking.

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  • author
    Sarva-drik das
    Jun 17, 2021
    Useless customer service

    My wife and I moved to India in November of 2018. I have been a credit card customer of Capital One for at least 12 years, and before retirement used to run thousands of dollars of credit card charges through my account using it for all my business expenses. I have had an extremely difficult time trying to log on to my account because I have found the so-called "customer service" of this company totally inept, unconcerned and unresponsive. In order to log in I am required to receive an OTP to my phone. Fine, except I no longer have that phone and the software does not accept my Indian number. How am I supposed to receive and OTP? Therefore I am unable to log in to my own account to see if I have a balance, check charges, etc. To try and remedy the problem I purchased an international calling card to call the "help" center since there is no published e-mail contact, which is inconceivable for a company this large. So, I call and navigate my way, at my expense, through the gauntlet of reps. After talking to three different people I was informed that there is no way to change my number and the only option would be to use my sister's number in Elgin, IL to receive an OTP to log into my account. But... I needed to verify my identity. OK fine, they sent me an e-mail to my registered email account in facilitate sending documents that establish my identity. I sent my NC drivers license, my US passport, and my Indian Overseas Citizens passport. I never heard back from them. What else do they want, an iris scan, fingerprints, a blood draw??!! And I still have not heard back from them, I have no idea what is going on. Was it rejected, insufficient documentation, they need something else,...why? They can call me on Google Meet, Zoom or any number of similar apps if they actually wanted to talk to me and establish my identity beyond a doubt. But clearly, they really don't give a damn and it's easier for a bunch of lazy bums that work there to just delete my response and forget about it. I also called to try, apparently in vain, to get my NC bank account credited with a mistaken $168.00 charge on my Visa account the case number for this second disaster with Capital One "customer service" that I waited on the phone for 25 minutes for is: 10004938583250. The rep said they could send me a check...to India??!! So it was supposed to get credited to my bank account in "48 working hours". When I called again, at my expense, to find out what happened I was informed that there was no record. Thanks guys. The second person I talked to, who seemed like they knew how to solve my problem (finally) opened another case to get the transfer made: GRF-1927387. As soon as my NC bank account is credited I intend to cancel my account with Capital One. This company is impossible to deal with, even for the simplest transactions like being able to log into an account.

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  • author
    Ron beebe
    Jun 16, 2021
    We all know that Cap One is basically a…

    We all know that Cap One is basically a "virtual bank" in that they are not known for brick and mortar, HOWEVER, there are those times where you simply must speak with a human. That was today (June, 2021) and I had the worst experience. For EACH question that I asked the girl, she gave me WRONG info. Even when I pressed her, she held her ground. Then I directed her back to HER OWN website (capitalone.com) and she finally relented. THEN, the very next question, she got entirely wrong as well, but this error was not found until I went to the nearest ATM to find out that I could not do what I needed to. So I asked for a Supervisor to make me whole for my time and energy and they apologized, advising that they could not do that. DEPLORABLE!!!

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  • author
    Jason Bez
    Jun 13, 2021
    Horrible experience

    Horrible experience! Worst company for customer service and care for customers of 10 plus years ! They are the absolute worst by far ! Customers beware #ripoffcapita1

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  • author
    Nathaniel Richards
    Jun 12, 2021
    Never had a problem with this service

    Never had a problem with this service, just pay your bills on time. Handy as a credit builder

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  • author
    USER
    Jun 11, 2021
    This is the worst bank i ever dealt…

    This is the worst bank i ever dealt with, There's a fraud transaction happened on my account and when i raised a dispute they closed it in 2 days saying I'm the one who made the transaction though i didn't. This is ridiculous, if it's even a fraud transaction of 50k then it's going to be the same response from them. Stay away.

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  • author
    Dana R
    Jun 11, 2021
    This company is no good at all

    This company is no good at all! They will restrict your account so you will have to verify more personal information just to get it unlocked! Beware cause u never know who is on the other line!! Not to be trusted!!

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  • author
    Brenda Smith
    Jun 11, 2021
    Worst bank

    I found myself recently in a bad situation due to bad acts on the part of others. My credit rating is very good but because of this situation which I just found out about and haven’t had a chance to clear up, CapitalOne is giving me a bad mark. So much for protection of their customers. I did nothing wrong and haven’t had time to clear the situation but it’s in process, they have black marked me. I won’t ever do business with CapitalOne again and I would advise others to beware. They restricted my account for months and wouldn’t even give me access or answer my questions. Recently I had a CapitalOne employee suggest to me that my husband was a scammer and had perhaps committed identity theft. It was the farthest thing from the truth. They should keep their opinions to themselves.

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  • author
    Linda Cannon-McFail
    Jun 11, 2021
    Hands down the worst SCAM ever

    Hands down, THE WORST experience. I make a ton of money, but never used credit because I was raised to pay cash. So I don't have BAD credit, I just have NO credit. I was advised to open a secured credit card via Credit Karma and opened a Capital One account with $250 secured. I added my netflix, dropbox, spotify, etc. and paid the dang thing off. Next thing I know, my credit score DROPPED 35 points!!! Yes, dropped! I finally after years of working on it got to the "good" score, and these bozos effed it up in one month. RUN away from this awful company. I was in tears, most horrific experience. Ugh, I feel sick writing this.

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  • author
    Alex Rangel
    Jun 10, 2021
    I have been with my credit card for…

    I have been with my credit card for about more than 3 years with them, I have requested many times online to increase my credit line and All the time have been denied with stupid justification even though my credit score is higher that 720 in addition that I have never missed any payment and paying a 100% of the credit used.

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  • author
    Aaron
    Jun 09, 2021
    The auto navigator system they use for…

    The auto navigator system they use for car financing is a joke. I was pre-approved for 33k but what they don't tell you is that they only cover a portion of a car not all of it. I found one for 23k and somehow I was 6k over my financing limit. How tf am I pre-approved for 33k but then can only get a car for 17k?

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  • author
    Bijou Des Oceans
    Jun 07, 2021
    This BANK IS Frustrating

    This BANK IS FRUSTRATING When it comes to check deposits, if you want your money the same day or the next day Chase bank is better because chase bank will allow some of your money to be available until the check clears completely while useless Capital one will be annoying and frustrating by holding your money for days and not even try to assist you with option. Disgusting service. I Hate this bank

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  • author
    Shakila Razack
    Jun 06, 2021
    Capital One USA 🇺🇸

    Capital One USA 🇺🇸 in my humble opinion is the best in the credit card war 💳 We Americans are bombarded with credit card sales pitches on TV , Online and Print Media almost everyday . I have several credit cards from various businesses I frequent. Recently I was the unfortunate victim of Credi Card Fraud !! This is the second time in my lifetime that my Identity was stolen & it has been a battle to get these credit card customer service / fraud team to listen to me their customer.. The only company that all this was my trusted Capital One Quick Silver of Several years ... They listened to my concerns , locked my account &Issued credits immediately!! Unlike Amazon Chase Prime , which issued several cards even without me asking for it !!! Chase Cards in my opinion is the worst !! They left me vulnerable for more fraud, which is simply outrageous 😱😡😰 Citi Cards Home Depot / Costco I hope & pray is finally listening to it’s customer .. Don’t have my finger crossed 🤞 when it comes to Citi Cards & Chase Amazon Prime cards anymore..😢 The proof will be in the pudding , so to speak !! It is wait & watch game from here on out ! No more taking their word for anything... Live & Learn!! Thank You Capital One and their team of employees🙏🏻 You have a loyal customer for life !! God Bless .. Amen 🙏🏻 I see a light at the end of this dark tunnel after talking to you this Sunday afternoon 😘😛😍

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  • author
    Joseph Schepis
    Jun 06, 2021
    I paid $1500 for airline flight which…

    I paid $1500 for airline flight which was cancelled due to Covid. Capital One initially reimbursed me, then changed their mind and re billed me. Capital one indicated that the credit charge was a year old, that is because I booked this trip in advance. They used a technicality to not support a long term customer.

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  • author
    Labelle Vie
    Jun 05, 2021
    I wish I can give 0

    This is the worst bank on earth. They dont care about their customers. I have been loyal for 6 years always paying my card off on time and i get no help from this stupid company. Because I disputed a charge from the airline that wasnt flying to the country i booked the flight for but the airline still charged me. First they didnt do anything to contact the airline i had to take off to call air Morocco multiple times and they finally reassured me that the flight is going but capital one wont cancel my dispute after asking them multiple times. I cant make payments or use my card. Im beyond irritated. I dont recommend them at all and will look elsewhere.

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  • author
    Firoz Vohra
    Jun 04, 2021
    I can give -10 stars

    I can give -10 stars. There is no option for minus. Closing the CD and it’s taking for ever. Worst customer service

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  • author
    Олександр Саломатін
    Jun 04, 2021
    If I could put zero stars review rating…

    If I could put zero stars review rating I would do it. This company is making money on our purchases. But I’ve tried several times to increase my credit limit no success, no one tried to help me. Although I have a good income good credit score and etc.I have a two other credit cards with a credit limit of $20,000, and 10,000 on this one which is not enough for me. Looks like company doesn’t want me as a customer. Thanks and goodbye

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  • author
    gregory harlow
    Jun 04, 2021
    Closed both branches near me

    Closed both branches near me. The money market has a decent rate or I'd have left years ago. This is the last straw. When ATM fees (from using other banks) start to take 20% of your interest, it's time to move on. For a company that claims to serve the community, they sure laid off a lot of local workers.

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  • author
    Steve Hinds
    Jun 04, 2021
    CUSTOMER EXPERIENCE i wouldnt recommend capital ine to my…

    i wouldnt recommend capital ine to my worst enemy.they are anexcuse of a bank and a poor place to have a credit card with.theiy willsebit your account then hold your payment for a week.if i saw those idiotsburning i would not call 911 id let them die .steer clear of capital ine

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  • author
    Tasha E
    Jun 03, 2021
    Report affected. False and unclear

    Received app after app in mail. After opening it stated that it would not affect your credit if you apply. Hour later email, hard inquiry credit decreased. When I called, the rep was saying it affect if you apply and no if your just pre qualifying. It DOES NOT state that in the disclosure. Rep was adamant but could not prove where it states that. At the end I was told I could not apply again since I wanted to end the application.

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  • author
    Fatimazahra Boualaoui
    Jun 02, 2021
    They restricted both my account and my…

    They restricted both my account and my husband account just because someone was looking at our transaction and beleive it was a FRAUD. We have to wait for the end of the weekend and then a holiday on Monday, and then on Tuesday the waiting time for the call was about 1:30 hrs... After the problem is resolves on Wednesday, I was not able to make a purchase online, I called again and they told me "they will place my card under LESS reatriction for the next 3 day" but no explanation what so ever!!!! IT MY MONEY, why do you get involved in it with no reason. I complaint twice to their supervisor who were super nice but highly ineffective!!!! I am changing that bank, it is rediculous!

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  • author
    Gemini Twins
    Jun 02, 2021
    Capital One is the worst bank

    Capital One is the worst bank. I have been a customer for over 20 years. I joined when it was Chevy Chase bank and then Capital One took over. I hardly use my account with them just for bill pay. I have a personal LOC with them and just recently tried to pay off the balance. It was such a hassle. I couldn't transfer $ to the LOC from my checking account online, which means I had to physically walk into the branch to make a payment. Then after two trips I was ready to pay off the balance. The cashier left the monthly interest of $3 on the account- why I have no idea when I explicitly said I want to pay off the balance! Next I called to have the $3 waived - so I could close out the account and they refused. Then I was on the phone for 45 min and went through 3 transfers and couldn't make a payment from my checking account for $3 because I couldn't tell them the routing #. If the LOC is linked to my checking account shouldn't they be able to make the transfer??? It was very convoluted and tiresome dealing with them. Oh and did I mention that because they have transferred all their old accounts to "360" accounts I had to change all my old due dates for bills to 2-3 days before because they won't make the payment on the actual due date like they have for the past 15 years! I've had enough with the hassle - Account closed! Good luck to anyone dealing with Capital One.

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  • author
    Brielle Beasley
    Jun 01, 2021
    Capital one was a company that once had…

    Capital one was a company that once had an awesome customer service line. The representatives were clear, calm and informative. Now, they can barely put sentences together and lack social skills- not to mention they are not nearly as helpful as they were a few years ago (2017 or 18). It seems things have changed. I would not reccomend.

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  • author
    Andrew figura
    Jun 01, 2021
    Capital One is the worst

    Capital One is the worst. I wish I never got one. My account has been closed for months am paying off the balance which is under my limit and they still report it as "non-payment" Then when I go to pay off the balance $294... I call to state that I want to verify its closed that thats it etc... They tell me there are some interest charges still. And I have to wait until tomorrow to pay $3.74... THEN wait until June 13th the end of the period for it to officially be closed. They and their system and customer service are fucckked. My other 2 cards the people have been understanding during covid and told me absolutely what I needed to do to close the accounts as paid in full!

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  • author
    Lee Lopez
    Jun 01, 2021
    What's In Your Wallet Should Not Be Capital One

    We had 2 vendor charges disputed..Both travel refunds due to airline or cruise line cancellations due to the Covid Virus..Sent Paperwork to Capital One Dispute Department and both were "rejected". They would not help us recover our credit card charges...Interesting that our four other travel companies had their credit card companies dispute and recover monies paid..In another situation, The cruise company finally paid our deposit which Capital One previously stated was "non disputable"

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  • author
    Sue Martin
    Jun 01, 2021
    This company is horrible

    This company is horrible! They charge way too much interest so you can never get your balance down! I will never get another card with them! Beware don't sign up for a card with them ever!! 22.9% interest rate and for what? They can't even help you at all!

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  • author
    daryL2 carol
    Jun 01, 2021
    STAY AWAY

    STAY AWAY This company once was reputable. Worth owning a Visa or MC. Now they absolutely suck! I had 2 accounts with them back from 2012 and 2015 that I eventually closed out by 2019 (too many problems with billing, etc.) I recently reapplied--giving them another chance. I got rejected. Emails declaring a 'letter' link to access via online download. Giving sloppy reason for "rejecting" my application... bad past accounts (wth?) and poor recent, "unestablished" credit history (wth) Only PO box mailing address to reach out to ... What a joke. NO I am not going to "write them" There are other great cc companies to join.

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  • author
    Thomas casidy
    May 30, 2021
    Stay away from this bank

    Stay away from this bank. Here are just a couple of reasons. #1 They are closing branches by the minute, which means you have to use other banks ATM'S and pay a fee when you need money. #2 They have out sourced their customer service, which means when you have an issue you get to speak to a guy named Frank in India, who does nothing but say he's so sorry for your problem and resolves nothing. This is if you were lucky enough not to have the call dropped or have a broken up signal. Also while trying to understand broken English. #3- If you get scammed or defrauded, Capital one will deny your claim and either blame you or something else. I was scammed out of 2,500 dollars, directly taken from my debit card. I proved it was a virtual scam, they don't know where the money went and blamed me. In short the biggest reason to stay away from capital one is, YOUR MONEY IS NOT SAFE IN THIS BANK. #4 Their interest rate is going to ZERO. Which means, they are using your money to lend out at high interest rates and giving you nothing in return. Again your money isn't safe to boot. #5 They are becoming an online bank and not informing their customers. #6 Try to go and see a human being in one of the few existing branches left, good luck. TAKE YOUR MONEY OUT OF THIS GARBAGE BANK, YOU'VE BEEN WARNED.

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  • author
    Curtis Frank
    May 28, 2021
    I recently changed my bank account info…

    I recently changed my bank account info with Capital One and made a sizable payment. I was told that because of this, my available credit would not be available for 7 days. Seriously? You get your money from my bank account and make me wait 7 days to use my credit? And you tell me one think about being able to skip a payment with no penalty and no reporting to the bureaus, but you lie and report me anyway? No thanks. I’m going to be paying off this card and closing it. Customer service is terrible they they act like they have a stick up their asses. Capital One will no longer be in my wallet after my June payment.

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  • author
    Debernard
    May 28, 2021
    J'ai demander un prêt de 50000 euros…

    J'ai demander un prêt de 50000 euros avec atradius il mon mis plus de 1000 euros de frais et la capital one me demande 120 euros car sois disant que j'ai mis trop de temps à payer les frais d'assurance donc c'est sois que je paye les 120 euros de pénalité ou il ne me verse pas les sous j'ai déjà payer 100 euros de timbres fiscaux 250 euros de frais bancaire 150 euros pour l autorisation de prêt 392 euros pour débloquer les fonts et 250 euros d'assurance et la il me demande 120 euros je ne les donne pas je porte plainte oui contre atradius capital One et contre Monsieur Marc Henstridge

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  • author
    David Ruiz
    May 27, 2021
    Don't fall for those emails telling to…

    Don't fall for those emails telling to to check and see if you "pre-qualify" w/o hurting your credit score. You fill out the form, they tell you that you pre-qualify for a number of cards (in my case it was 3) then the tell you to apply with your pre-qualification. It's then that they deny you, that denial is a "hard" hit on your credit score and that does hurt your score. DONT'T DO IT! There are other cards out there that don't scam you.

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  • author
    Mahmoud Bakr
    May 27, 2021
    Horrible rubbish company

    Horrible rubbish company. After I been accepted for a card then I been asked for some documents thorough app which also was rubbish then I had to send the pap through the post then I been declined. I can't tell you how I am so angry about this company absolutely disgusting

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  • author
    Richard Johnson
    May 27, 2021
    I will never own a capital one credit…

    I will never own a capital one credit card again... I believe everyone writing 1 star reviews here... Because I to have been scammed by capital one no service department... I'd give capital one zero stars but its not possible... I'd give more details but I have a on legal case with capital one... I will always read reviews before making decisions on everything I do...

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  • author
    Kathy Thompson
    May 26, 2021
    Capital One Worst Credit Card

    Every year Capital One charges a service fee whether you use the card or not. If you don't use the card that they are charging a service fee for and they provide no service how can that be legal. Oh, but their "supervisor" says just cancel the card. That affects your credit score. Poor business practice Capital One.

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