Capital One Reviews

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 want to give Capital One's Fraud and Security team a HUGE THANK YOU.... They flagged what they thought was fraud and saved me $$$$$$ thousands. Specifically "Jack" I thank you over and over. I appreciate the diligence you guys had in catching the wire fraud.

Great service and experiences so I like the way you guys treated the customers, I recommended everyone should be a Capital one member so you will not regret your choice, another to achieve your goal. It would be better to come with this great family because our success is your success!! Thanks Jean Claude

I see the Capital One credit card as my opportunity to improve credit score, and be able to move forward with first time homeowners program that I have been doing research on. Making on time payments is my goal to establish better credit score.

So far l have no problem with this card except for customer service I called today because my bank sent me a notification that someone opened up a card in my name and told me to contact Capital One so I called Capital One, spoke to a woman, told her what the problem was and she said, "Oh let me connect you to that department." She put me on hold for 10 minutes and then a recording came on and said we are not opened up only on weekdays. Because she didn’t feel like doing her job. Poor customer service.

This may seem petty to some people, but for me it is an issue. I give gift cards as gifts, and occasionally I use something for myself. I ordered a digital gc April 8, 2026 and as of today, May 6, I still have not received it. What the heck.

This is a long review I wrote, but essentially they do not protect their customers from fraud and have little sympathy for it. Beware of this credit card company. I was recently on vacation in Mexico from April 4-11, 2026, and decided to withdraw money from a bank machine on the resort I was staying at. I withdrew $400 Canadian dollars on April 9. As soon as I was done my transaction my phone bank app alerted me that 3 additional transactions took place almost immediately. One for $122.85 and another one for $545.86 CAD and another one for $84. The $84 one was flagged and denied by my credit card company which is Capital one Mastercard, but the first two charges went through. My original transaction from the bank machine was listed as Bankaoolcabo. The next transaction was listed as ** JesusEnrique and the next one was listed as ** JoseLos. I then went into my bank app and locked my card so no further charges could go through.

This company bombs me with pre offers through the mail. I stupidly tried one and got denied after they did a hard check on my credit. They need to stop. I will never use them no matter what or no matter how high I get my credit. Never!!!!

My experience with Capital One keeps getting worse. Their recent buyout of Discover and the conversion of their debit cards to the Discover network threw a HUGE wrench into my travels. I tried using my debit card at three different ATMs in Hungary and all three rejected my card. They're not in the Discover network. I finally found a Pulse ATM - one that was NOT recommended because of bad exchange rates. How did Capital One go from being useful almost anywhere to being useless everywhere. I looked forward to my time in Budapest and instead, found myself scrambling with banking. It shouldn't have been this way.

I have been banking with Capital One for over 10 years. One positive thing I can say is that when fraud charges do happen they have always gotten my money back. HOWEVER, it is becoming more and more easy for my accounts to be hacked, even though one of my three cards is a credit card and it is registered nowhere. All I do is make payments on it, I do not use it and yet somehow the account information constantly gets stolen and used. This keeps happening I will definitely bank elsewhere.