Capital One Reviews

I started banking with Capital One in 2021 and I was very happy with them until they lied to me. I had a few financially challenging months and missed a couple payments, up until then I paid my balances off completely every month and it was just this year and the past couple of months that were rough, but I kept in good communication with them and last month I wasn’t able to pay off my balance so I called them and told them when I could which ended up being fine because of the way my due dates were I wasn’t able actually going to be three days earlier than the arrangement date, during that conversation I asked if they were going to close my accounts and they assured me they would not, well the day came. I paid the balance and not three days later they sent me an email informing me they were closing my only two credit card accounts.

If I could give a rating lower than one star I would! Sadly, CapitalOne bought Discover Card and setting up online access was a nightmare. I also needed to remove myself from Capital One accounts at a previous employer in order to add a new authorized individual to handle the accounts. We were literally told that our accounts were "too old" to add or remove authorized signers. We would have to close the accounts and then apply for and open new accounts with them!

Make sure you don't make any mistakes because there are no one-time teachable moment fee reversals for cash advances. I used the card on Venmo with a small transaction and then checked online and didn't see an extra fee so I thought it was like my other credit cards, which don't charge a fee. Little did I know a cash advance fee posted the next day and started accruing high interest immediately. I then put a huge charge on the card through venmo, thinking it would contribute towards the new card bonus spend amount. Not only did it NOT go towards the bonus spend amount, but I also got a huge cash advance fee there.

If I could give them a negative star review I would. They are completely incompetent and it is a shame Discover was bought out by them. I will be finding a new card to transfer my account with since I refuse to do business with a shady company like this. I had an auto loan that I paid off early. Two days also I received a refund check by them. I called them and spoke with a representative who confirmed it was, so I deposited the check into my account to only have them take it back two days later. I called them and at first they had no idea what I was talking about they kept trying to talk to me about my car title that I already have. When they finally understood they put me on hold and was like, "Oh your account is all paid off and you can just throw that check out because we mailed it by accident." I explained that this caused my account to be 0 since THEY confirmed it was legit and nothing...Stay far away from this shady place

I have been with Capital One for approximately 40 years. I always spoke very highly of this company until recently. The support is very poor. The agents have limited knowledge and are hard to understand. Also, when you wait for a manager, they don't even put you on hold, and it's loud chatter of it sounds like hundreds of people are talking in the background! The rewards I recently used were a farce. I got to the hotel, and they said it would be $160. A night, yet with Capital One "rewards," it cost over $1100. Using my rewards points for the 4 nights. If I had cashed them in it would have been well over $800.

13 Years, Over $600,000 in Charges, and Capital One Won't Meaningfully Review My Disputes. After approximately 13 years as a Capital One customer and more than $600,000 in charges, I am absolutely appalled by the way Capital One has handled two credit-card disputes totaling $7,800. The disputes involve Ignite Connections, a real estate lead-generation company I hired in November 2025. Our agreement included a guarantee of eight appointments, subject to contractual conditions. After nearly eight months, Ignite Connections delivered ZERO appointments.

I've had this Credit card for about 15 years and have never had any issues. I made a reservation at a hotel, but the hotel was pretty bad. Broken security doors, drug use in hotel, and just dirty and gross overall. I refused to stay at the hotel. I called the Capital one and told them what happened. I even sent them pictures of the all the things I was talking about. They did nothing to help me and I had to pay for the reservation. They were of no help.

I applied for an emergency virtual credit card. Customer service was useless. I spent an hour with a supervisor that was unable to rectify a fraud problem on their end. I tried again in a couple of days and they didn't seem to care about my business at all.

This branch should be a showcase for how to lose your customers in five minutes. The associates working there are unmotivated and downright lack a shiver of customer training. In a nutshell, I tried to open a CD and went there twice on different days: no welcome to the branch, no can I help you, just total ignorance. As a matter of fact you get the look as "damn another custoemr to take care off" can you please just walk away.

We've had a Capital One credit card since 2012 with the same credit limit (very, very low four figure) for all these years. We do not use it extensively since the limit is low, but we have used it whenever we travel out of country. And we have always paid it on time. For over two years we have also maintained a savings account with Capital One in the high five figure, low six figure area. We recently applied for a credit card limit increase and were denied because "our monthly spend and our existing credit line has been too low".

Would give them zero if I could. Disputed charge by vendor who I cancelled service and revoked credit card authorization. Despite sending copies of the cancellation and revocation to Capital One they refused to reverse fraudulent and unauthorized charge. Said they could not do anything because vendor said charge was legitimate. Have since cut up card and notified CFPB (not that I expect the government to actually do anything).

I am writing to formally dispute the handling of my Capital One auto loan and the money financed for GAP coverage and an extended warranty that I did not receive. I purchased a vehicle from a dealership and financed the purchase through Capital One. As part of the transaction, I purchased GAP coverage and an extended warranty, and the cost of those products was included in the amount financed through Capital One. I later discovered that although the dealership received the funds associated with the transaction, it apparently did not pay for or activate the GAP coverage and warranty that I purchased. The dealership has since disappeared, leaving me without the products that I paid for and financed.

I used to be a Capital One customer for many years. Had to cancel and my daughter is about to cancel as AFTER their merge with Discover Card they no longer provide ATMS in So. America. Even though they state differently. Provide you with banks that are non existent or do not have ATMS such as Proseguir, Atlas, Biggie Bizarro, Microcredit Bank...They have you check every ATM that has Discover card on the ATM only to find out they do NOT accept Capital One. When trying to report the problem, you are treated with "that is too bad" attitude, "There is NOTHING we can do." So why bother giving wrong information? IF you are considering Capital ONE and you like to travel BEWARE. You won't be able to use you DEBIT CARD at least in South America. Going to Europe next but will NOT be taking the RISK to use it... So will be switching to another bank.

Stay away! I reported fraud to them before they even flagged it. This resulted in every single one of my bank accounts being closed. Yes, entirely within their rights and legal, but I’m now homeless and the check they’ll send with my balance will never get to me. They do not care that I was the one who was verified entirely as being the consumer, reporting something they didn’t catch, and then they took out their inability to do their job(s), leaving me homeless and without any ability to get the money I once had with them.

My wife and I have had a Discover account for several decades. As Capital One bought them out the interest rates went up, up, up. We decided to close the account. We were told we had to pay off the balance which we did. We received a paid in full letter after our check had cleared and a statement that the account was closed. A week later we received a points refund check for $105. Not sure what that was all about. Today we received a bill for what they describe as residual interest on a closed account with a zero balance in the amount of $87.81. In short, avoid Capital One as they are highly unethical and seem to be on par with a loan shark. Once you borrow you will never pay it off.

Terrible customer service. They restricted two of my accounts without reason.

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."