Capital One Reviews

You guys are awesome. I open a new checking account and I just received the promotion offer that was with the account. And waiting for service over the are fast because I call as soon as you guys open and are available. I don't know why people keep on leaving bad reviews. They just have to wake up mad early and stop complaining for being lazy.

I love Capital One because they have trust in me to pay what I owe back

I've been a Capital One customers for years. And I wish I could get a little more credit than what I receive now. My payments are always on time.

I’ve had a solid experience with Capital One overall. The app is easy to use, and I like how simple it is to track spending and make payments. Customer service has been helpful when I needed it, though wait times can vary. Their credit tools and alerts are also a nice touch. Not perfect, but reliable and convenient for everyday use.

I had a Capital One credit card. I would pay off what I thought was the interest and the late fee, and very little went to the principal. No sooner did I pay that bill, they tacked on another $75 in interest, before the previous bill cleared my bank. When I was one day late, I asked if the $8.00 late fee could be waived (paycheck determined), and they told me "Well, we will see what we can do." Never removed the late fee. I tried several times to contact them about lowering my monthly payment to one that I can manage, after my card was charged off.

Buyer beware! Capital One may offer you travel credits. Also Discover and Airlines may offer you a temptation of a travel credit – do not accept it. The travel offers can be only be made through Capital One Travel. Each travel offer has a specific applicability, so it won’t work for almost anything you may have in mind - the starting prices will be much higher and the availability much lower. Read the terms and conditions – it’s about 100 pages long and there is no way you will ever meet all the terms and conditions. There’s always some exclusion somewhere that means after the fact, you’re just gonna be stuck paying for everything. Whatever the offer is do not accept it.

Used to be excellent. Some things still true. Easy to use, low fees. However, the recent change to Discover has been awful. Suddenly a huge trusted network of ATMs whittles down to barely any. Traveling is supposed to be easy with them, but with the Discover network it is hit or miss, sometimes completely useless. I found myself in Mexico completely unable to pull cash out for anything. If you travel at all, or rely on a broader network of coverage, stay away.

I opened a 360 Checking account and deposited $1000 from my US bank account, based on Capital One's promotional offer, which stated that I would receive a $300 bonus after meeting the required conditions within three months. However, after four months, I still had not received the reward. When I contacted customer service, I was told that my initial deposit, which I had transferred from my U.S. Bank account, did not qualify for the promotion. They explained that the deposit needed to be made in a specific way, but despite their explanation, the requirements remained unclear and confusing.

I recently tried to pay my Capital One card(s) bill by phone using my debit card from the bank that I normally mail a check from. They will not take a payment by phone using a debit, they want me to voluntarily give up access to my bank account and routing number (this bank is an hour away) in order to make a one time payment by phone, that's not happening as they have been also pressuring me to go paperless and give them my bank account info. They REFUSED to take a payment with my debit card and this will cause me for the first time to be late out of all of my bills, mortgage etc...unless I go to the local bank and pay for a cashiers check to mail in order to prevent it being late while I wait for my checks to come in...they refused!!!

I just needed my phone number updated so I can log into the app and see my account information and pay my car note, but instead I now have to call every month to pay and I cannot access my account info. Their app is absolutely terrible and the nice people who tried to help could not do anything to resolve the problem. Please don't use Capital One or the app. It's beyond terrible and if you change your phone number you won't be able to do anything. I wish I could go to another company but unfortunately my loan was through this horrible company. I am not happy and I wish I didn't ever choose capital one. I know no one cares about review but capital one is abysmal and subpar.

I am extremely disappointed with how Capital One handled this situation. I purchased a vehicle warranty through a used car dealership, later canceled it, and received a refund of approximately $2,700. The refund was correctly applied as a credit to my Quicksilver credit card account. Since the credit created a positive balance, I simply requested that Capital One send me the remaining funds by check, which is a standard practice for credit balance refunds.

Worst Credit Card company ever!!! Closed all 4 of my credit cards for absolutely no reason. Made the scheduled payments on time all the time. Kicked back my payments and closed my accounts.

Shelia eyz095 was inconsiderate, lack of customer service and doesn’t understand how to correct nor be empathetic to customers problems when her own team gives out compromising information. And they placed her in a senior account role!!!! I’m a new customer to Capitol One and already regret my decision banking with them!!!!!

The Capital One fraud department is a joke. I received fraudulent charges on my credit card twice. I fully documented how the charges were fraudulent yet each time Capital One declined to remove the charges without ever really explaining why. I think they were just lazy and incompetent and didn't want to bother. I quit using that card.

Capital One replaced my Visa card with a Discover card without getting my permission. I found out when my card was declined twice by businesses that don't accept Discover. I have nearly perfect credit and had a 25K limit. I carry no balance. Once I called they were rude and entitled. I got the best cash back visa in the world to replace their card. I will never do business with them again.

This is the worst bank I've ever dealt with!!! Since February 2026, my direct deposits have been going in later and later!! Today, it's 5:06 pm and my money still hasn't been deposited into my account!!! I verified with my employer that it was submitted but Capital One says they don't see it!! I've had to call every Friday since February because of how late it's deposited and usually, about 20 minutes after I call, the funds are deposited but not today!! I work with 500 guys and I'm the only one who hasn't gotten paid!! I've changed my direct deposit to another bank and once my money is cleared with Capital One, I will be withdrawing the funds, closing both my savings and checking accounts and canceling all credit cards I have with them!!

On June 22 I was notified of an incoming zelle transactions and just needed to click link, re-route to zelle who in turn re-routed me to my bank... Cap One. I log into cap one and receive an error message. Called cap one June 23 and was pushed around to multiple people and finally told that due to a change in carrier/new device on June 6, my device is not considered a "Trusted device" and had to wait 15 days for that to happen.

I tried to notify Capital One directly, but they didn’t want to hear it. I’m closing my accounts after 8 years. I’m astonished at the amount of needless advertising. Pop ups on every page of the mobile app. It’s shameful. Unable to opt out. I feel like my direct link to my money should be a safe space from predators trying to get me to spend more of my money…which they already are already making money on my money… So now you want even more… Greedy bastards. Now you’ll get none of my money. Also, completely obnoxious trying to deposit large checks. At one point, the nearest location was in Chicago. I found it quicker and easier to open an account with a competitor and transfer the funds. Not so convenient checking.

I am so fed up with Capital One credit card, we used it for our business, then we paid the balance off and closed the account. After we closed the account, we had originally set up automatic payments of $500. After closing account, zero balance, they automatically took $500 out. Trying to get it back was a pain, it could take up to 2 business billing statements to get it back, OUR MONEY! I talked to a manager and got a check within a week or 2. Before cashing I noticed they credited our account for $500? Now I got a bill for 502.32 for check of which we did not cash, plus they are charging me interest. Called them, they will credit account, but could take up to 2 business cycles! In the meantime, I'm having to make min. payment and charged interest. It's only a couple buck, but it's the principle. Talked to manager, couldn't erase it!!! PLEASE DON'T USE THEIR CREDIT CARDS!!!! I WILL REPORT TO BETTER BUSINESS BUREAU.

I was a random victim of a fraud targeting quota administered by Capital One Savor fraud department in India.. This fraud department created an event when there was no fraud or dubious charges on my account... They blame it on their computer system which makes decisions for them.. My card was suspended after I submitted my license information and facial photo to their fraud department. I have to wait 1 to 10 business days for someone to get back to me. There was no fraud that initiated this and I was able to easily confirm my identity with several agents. I feel that with this fact that Capital One fraud department in India has quotas that they have to meet. In order to meet these quotas they have to manufacture fraud events which is the case with me..