Capital One Reviews

Charged interest on a zero balance. I do recommend Capital one!

Discover Killer. I've been with Discover for ~40 years! Ever since they were owned by Sears. Discover and most things related were excellent, until... After the Capital One buyout Discover is falling apart. The forced transition to the Capital One infrastructure has continually demonstrated what a 3rd rate operation Capital One is. The app, the "customer service", the phone interaction,...it's all third rate.

I filed a merchant dispute with Capital One for merchandise that I refused delivery and was returned back to the shipper in order to get my money back. After providing concrete proof from UPS showing the tracking all the way from when the merchandise was originally shipped to me to showing when I refused it and when it was ultimately returned back to the shipper on September 2nd, they closed the dispute and held me financially responsible for the charges. So not only does the shipper have their merchandise back, they also have my money.

After being with Capital One for six years, always being on time and growing my credit with them, they would not stand with me for a $90 charge and risk losing my business over it. The charge was unauthorized. I was completely ripped off by the merchant and they do not stand behind their consumers and that is why I’m leaving one star review. I have a very successful business and they will never get the opportunity to gain my business again for my business or my personal. I’m very disgusted with the way they’ve treated me.

Worst card company ever. DO NOT USE!!! I will make sure to tell everyone not to use Capital One. They will close your card for non use and your credit will fall tremendously. THEY JUST RUINED 5 YEARS OF GETTING MY CREDIT SCORES UP!

Can’t talk to a real person like I could with Discover. I only call when it’s urgent and I want a real person. Right after my card was transferred to Capital One I had a fraudulent charge on both that card and my Discover card. Both cards were cancelled. I wanted to know where these fraudulent charges came from since in the many years I’ve had credit cards this had never happened but they would not give me any information.

Do not bank with them. Had a credit card and was charged for a item I did NOT order. Reported it as fraud and they continued to charge me for it. I disputed it and proved that I didn't order it on the website for the company and they still would not reverse the charge. I had to pay the charge to close my credit card. Fraud department is a joke and not customer friendly nor is English their first language.

🚨 WARNING: Capital One Arbitrarily Closes Accounts with Zero Explanation 🚨 Do not trust Capital One with your financial life. They are a deeply flawed financial institution that relies entirely on broken, automated risk algorithms instead of human logic, and their customer service is a total brick wall. I had a flawless history with Capital One. In fact, their internal metrics deemed my profile so strong that they proactively granted me a massive credit limit increase from $10,000 to $15,000. My new limit was fully processed and reported to the credit bureaus.

Do NOT use any Capital One products especially their credit cards! You will be told varying information on charges depending on who you speak with. We paid off over $3000 in charges but we're then told we had a $96 interest payment because it wasn't paid off before the due date (it was). We were then told that would be all that was due to bring the balance to $0. We were told that there is no interest charged on interest. That was a Sunday after requesting a review of the charge (all of this was supposedly captured on a recorded line).

We were Capital One customers for decades, with both personal and business accounts, but we are now moving all of our accounts elsewhere because of the decline in customer service. We recently had an issue that was escalated appropriately, and the dispute was ultimately resolved in our favor. However, Capital One did not process the necessary adjustments in a timely manner, which created additional problems, delayed the account closure, and dragged the process out for months. What started over a very small amount became a huge and completely unnecessary headache.

At first, I thought maybe they were fair because I had a low credit score and so I did their secured card but it’s been over a year of on-time payments never late once and still I cannot get an increase in my credit nor a new card. Boo-hoo what the hell do I have the card for? They’ve done me no good.

Horrible. Tuesday at 4am received a text about a charge attempt on my BJ's card - Reply NO. Called number and was told they are shutting down that card and will issue a new one. Less than 24 hours later received a text about the same charge on my new Discover card. Called number and was asked multiple times if I didn't purchase it. Was told they were shutting down that card. I explained they have now left me without any credit cards. They do not care. How was the same charge tried on two different card both Capital One? Sounds like an inside job to me. Two days later email from COVERON stating my payment failed. I have never used COVERON and asked for them to send me a copy of any agreement that I had with them. Nothing so far. Could these companies be tied in with one another? I was emailed the Discover is on the way. No word on the first problem card BJs.

As a retired LEO, stay away from Capital One. Their CS is terrible. Basically the left hand has no clue what the right hand is doing. Discover card holder for over 30 yrs. Have my phone and verified through a text it was me but they wanted a picture ID plus a selfie. I didn't need that even when applying.

What an absolute NIGHTMARE! I have been with Capital One for about 15 years and until the past 2 weeks I would have told you they were the best thing since sliced bread! Until now..... It has been a painful couple of weeks, so much so that today I'll spend my looking for an attorney. The morning of August 26th I received a phone call from Capital One Fraud department. I was unable to answer the phone so it went to VM. Then they proceeded to contact my daughter, who's not even on my account..... Because of this, urgency to contact my adult child, I freaked out that someone major was wrong. Of course I went online to look at my accounts while I waited on hold. No luck as they had locked me out of my accounts.

As of today I will be closing the 3 cards with Capital 1 and unfortunately Discover is under them so I will be closing it also. On Friday noticed my card was compromised. Called to have a new card issued to me and filed a dispute. Never once was I told that whoever stole my info could still charge as an "autopay" on a card I asked to be closed. Today I had more Uber charges on a canceled card. How do charges continue to be on a card that I can't use and have asked to be closed for an Uber account I don't have? Capital 1 says they have no control over it, that it is an agreement between "certain merchants and visa for autopay if your card # changes" although the cards were issued by them. Uber did more for me than the issuer of my card. Poor customer services and poor handle of fraud issues. Be warned.

Capital One’s handling of expired pending debit-card transactions creates a serious and irresponsible accounting problem for customers. I made a $951.30 Sam’s Club purchase using my Capital One debit card. Capital One initially showed the transaction as pending and reduced my available balance accordingly. Several days later, the pending transaction completely disappeared, my full balance was restored as “available,” and Capital One left no visible record or warning that Sam’s Club could still submit the final $951.30 charge later.

The absolute worst, the payments on my credit card suck especially when 2 thirds of my payment goes to interest rates. They are legal loan sharks and should be brought in front of congress for racketeering. This month I made a $300 payment and $229 went towards finance charges. This is why it never comes down. I can understand they have to make a profit but when it comes to screwing people over they are the best. They bragged about making $20.7 billion dollar profit in 2025. And at whose expense… ours. They suck and won’t receive one more penny from me. I have been paying for 7 years trying to get it down but it never does. STAY FAR AWAY FROM THESE GUYS!!!

Do not get a Discover it secured credit card!! Paid my 200 dollar deposit a week ago and the money came out of my account but it's still showing processing!

Awful banking and credit card experience. Booked a flight through Capital One rewards and flight was cancelled. Issued a dispute and had the refund applied and then they got themselves confused with another credit from another vendor and airline and have now sent me two letters stating I have already been credited for this dispute and thus they reissue the bill and debit my account.

SHAMEFUL SERVICE!!! I had a dispute with a subscription that I had cancelled and they started rebilling me 6 months later. 3 charges went through even with a BLOCK from C1 on the vendor. I was forced to close the C1 account as a result of them not blocking the vendor. They credited me only 2 of the 3 charges and charged me a late fee since I was waiting for the 3rd. charge to be credited (that's the only balance I had on the account). Now they are telling me that because I closed the account they won't credit the late fee or the 3rd. merchant credit. I am furious!! They are Thieves!! I will never have a Capital One account again! Horrible way to treat a great customer.

I am writing this review for the sole purpose of informing people of the quiet transfer over of of servicing of CAP ONE student cards from MC/VISA to Discover. While Discover may work fine in the US, it is not reliable in other countries. My student is studying abroad right now, and after researching several options, she decided to apply for the Capital One Savor card, which was marketed as the perfect card for students and particularly for those traveling out of the country. There are no transaction fees/conversion rate fees, and there is cash back on purchases. Unfortunately, all of her research was slightly dated - the card she applied for and got (which has the same name as the old one) used to be backed by MC or VISA (in May) and has recently been switched.

I applied and easily received a card for my college student. First card, no credit history, the card sounded good. She used the card several times, then the account, out of the blue, became restricted. After calling capital one, she uploaded the documents asked for, and called back multiple times to follow up. Eventually, she was told the bank statement she uploaded did not meet requirements because only the last 4 digits were showing. So we quickly got a few temporary checks issued, and uploaded a voided check. The customer service rep initiated a 3-way call with our bank to confirm my daughter’s identity. This whole conversation took at least an hour. Restriction lifted. She was able to get into her account, and was assured she’d now be good to use the card.

Capital One flagged my account for "suspicious activity" and froze it. It's been over three weeks with no reinstatement. They're demanding personal documents to verify my identity, but won't even let me confirm basic account details like my own account number in the meantime. I've had no clear timeline, no real explanation of what triggered the flag, and no way to escalate to someone who can actually resolve it. For a company handling people's finances, this level of unresponsiveness is unacceptable. If you're considering a Capital One card, know that if they ever flag your account, you could be locked out of your own money for weeks with little recourse.

​"I wouldn't recommend this company to my worst enemy. ​I am enrolled in automatic payments, and this is the second time the payment has not been taken out of my account automatically, resulting in past-due charges. Additionally, when I made a large payment toward the principal, they split it across future payments instead of applying it correctly. Customer service is a 0. ​It really feels like they don't want you to pay off your car loan quickly. Be careful and think twice before enrolling with this company—they are worse than the people who lend you money in Las Vegas."

Please pay attention. Do NOT open an account with them. You will REGRET this. This company has a rip off operation in my opinion. They do NOT protect the customers in fraud. They ALWAYS rule AGAINST the customers, and give credit back to crooked companies. I have lost over $500 in one transaction with EZ Pool. They advertised a good brand of a pool motor but they sent me a cheap/fake product. I sent it back and paid $70 shipping back to the company. DO NOT BE A VICTIM. I WILL BE CLOSING MY ACCOUNT. The customer service isn't even US based, it's overseas and they lie and tell you they will help you but don't.

I received an email offer to spend $50 at Sam's Club, then get a $50 statement credit. I used my Quicksilver card and never received the credit. I was told by the 1800# rep, that their department was unable to research online offers. I then went online and used Eno, the AI service which totally disconnected after dealing with 3 different representatives. This is my 5th year in credit counseling- DO NOT USE CAPITAL ONE! I have not yet had any issue or concern of False Advertisement with Chase or Wells Fargo, but always read the fine print. Also, closing the card can drop your score so store the CAPITAL One cards and use other lines of credit.

CAPITAL ONE is gradually taking over all the credit cards and the website is difficult to log in. Problems with both Menards and Discover card. They should link all my cards in to one password and not have to go thru text alerts every time try to log in.

The dispute customer service isn't very helpful. So if you ever need to use the dispute center, good luck. I lost the money. They don't seem to care. Look for another CC company. So many better ones.

I just got a new charge card (Capital One) & I did the application online, was approved, the card was sent to me. I activated it & at no time was I told they needed more documents. I called 8/11/26 for information on a cash advance- he told me what the daily limit was, the APR, their fees, and he set up my pin! At no time was I told I needed documents!! Then I went to the ATM and tried it 2x it was declined with insufficient funds. Then I went to the teller & it was declined, she couldn’t understand it.

Horrible customer service from a horrible company. If you have an issue with a transaction, you can forget all the promises made by Capital One about supporting their customers. I got scammed by AliExpress. I can prove they sent the wrong product. I can prove that they didn't offer a refund or return. I can prove they did everything they could to delay and try to get me to give up. I went to Capital One for help, and they did the same thing: they ignored all of the evidence, took the word of the seller, delayed and delayed me, then claimed I took too long! They have no interest in helping customers and will not help you in any way. I cancelled everything Capital One, never again.

My son applied for a Capital One student card, hes only 18 and he told me he needs a utility bill in his name. Now he just graduated high school, so how will he have this type of documentation? They wanted me to provide his bank information when there are other options on the website that state I can use to verify him. All this for 300 dollars to try and help students build credit. I would not recommend this card or company to anyone.

Kohl's has recently changed their credit card payment process. It is now impossible to pay by phone or online. Attempting to do so results in a circular loop. It appears Capital One has taken over their system but if I try to pay it gets rerouted to my regular Captial One credit card. A class action lawsuit is needed.

If I could give 0 stars I would. Capital One system is glitching and not allowed to make payments until a statement is generated and they refuse to listen. I have pictures and proof and I will be sending them in through my attorney. Below is the proof and they refuse to make it right.

I have been a Discover Card Customer for 40 years and never had my due or statement dates changes. That is why I am so upset with Capital One. I think it is being done on purpose with the hopes of Capital Once issuing their own Credit Cards to Discover Card Customers. Don't let that happen. Due and Statement dates for Discover Card customers are changing due to the migration to Capital One without CONSENT. I believe that that is an illegal practice under Consumer Financial Protection Bureau (CFPB) law. Also Customer service can't even tell me when my August statement will appear. Again probably not legal under CFPB. I hope Capital One see this and corrects every customers' account to its original Discover Card Due date and Statement date ASAP.

Should be zero stars. I pay my bills on time and today I noticed an interest fee that made no sense since I pay my bill every month and the long and the short of it I was lied to and one point a manager told me I was accessed interest charges for consecutive months based on an error.. How is that possible I'm being taxed multiple times for one mistake.. It's stealing and unethical.. Don't use this company!

I thought I could travel with CapitalOne credit card, peaceful in mind, but I was wrong. We recently travelled to Oslo, Norway and stayed in Citybox Oslo. It was the worst stay I ever had. We were woken by bed bug biting. After we complained to the hotel and got no response, we disputed the transaction with CapitalOne. We expected at least CapitalOne would fully refund us, but CapitalOne didn't work on our best interest and told us the hotel didn't agree for full refund. I think from now on, I have to reconsider if I should use CapitalOne for travel or not.

I have been a Discover card holder for over 20 years with no issues. Capital One just took them over. And it's been a nightmare. They shut off my card, because they're sending me a new, because of the take over. I called Capital One, they said my new card would be here next week. They shut off my card before they send the new one! Guess no gas or groceries this week! 20 years with Discover no issues, 1 month under Capital One good company driven into the ground.

Mixed reviews. Sure at first, best thing since sliced bread. Get a card, build credit and so on. Decade or so of banking with them later.... um no. The CVS pharmacy deposit is handy if depositing cash, but why does it take nearly 6 or more days to transfer money from a verified account they have utilized numerous times to them?? Let's add the fact you can not literally email them AT ALL for anything!!! I can see why it takes so long. They give you many addresses to mail payments to, and find out it's not the "right address". Yet customer service and the website state it is. But it is not. Solve that riddle.

I’ve been with Capital One for a couple of years. Have multiple cards with them. I never been so frustrated in my life and treated so horrible with a company like this. My account got locked out because of a mistype password. OK fine. Called in to try to get it unlocked. They sent me through every loophole in the world known to mankind and it still wasn’t good enough for them to verify identity. I sent in mailing address to verify me, sending checking account information to verify me, and the same checking account information that I pay them every month through to verify me, they want me to go and order some checks to send them a canceled check just the show. It’s me and wait 30 days for it to come while my account is locked out. They gotta be out of their damn minds. I would never ever deal with this company again. I’m looking into trying to cancel these cards.

Today's Capital One sent me an email and text saying there was unusual activity on my account. They said a starter check (Check No. 139) was cashed from my savings account. The problem is I don't even have checks for that account, and I definitely didn't write one. What shocked me the most is they notified me after the check had already been processed. When I called, they confirmed it was fraudulent, froze my account, and told me they would investigate. They also admitted they couldn't explain why a check had been processed against my savings account or tell me when I'd get my money back.