Capital One Reviews

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.

I have had a Capital One Spark Business credit card for several years. I found out my credit limit was reduced to basically nothing because I didn't use the card much and there is virtually no way to get the limit back to what it was when I applied for the card... I was punished for being responsible with my card and now I can't even use it when I need it for my business. Do NOT get one of their cards if you are responsible with your credit cards... The card is now worthless to me...

CAPITAL ONE is a credit card company that gets away with abusing customers. I had DISCOVER for over twenty happy years. Sadly, DISCOVER was taken cover by CAPITAL ONE. After complaining to CAPITAL ONE that my bill had not arrived by mail and requesting that the bill be sent 3 times, I finally paid the bill by phone 6 days late. At no time did a representative inform me that I would be charged exorbitant fees, regardless of the failed mailing. I made the first call requesting the bill be sent before the due date. I was 6 days late in payment. I paid by phone, without receiving the bill by mail.

Since Discover switched to Capital One I’ve experienced the absolute WORST CUSTOMER SERVICE EVER! They don’t listen, talk over you, and do what’s easiest for them. I called to dispute a charge and she was practically accusing me of being a liar. Then just opted to shut my card down instead of helping me attempt to resolve. Our Son just recently switched to an Apple credit card - my Husband and I will be following along. Disgusted.

STAY AWAY from Capital One credit cards. In nearly 70 years, I had never been denied credit until I applied for a Kohl’s/Capital One credit card. I have an 825 credit score, no history of credit problems, and was a longtime Capital One customer. I previously had a checking account, overdraft protection, a credit card, and even a car loan with them when I lived near a Capital One branch. They were always convenient and treated me well in the past, which made this denial even more surprising. After looking into it further, I have concerns about how some applicants are being evaluated and whether those decisions fully comply with the spirit of the Equal Credit Opportunity Act (ECOA). Based on my experience, I would strongly encourage people to do their research and carefully consider all their options before applying for a Capital One credit card.

Two years ago I had a 485 beacon score and a friend sent me a link for an unsecured card. I laughed thinking he was being a funny guy. Well I filled it out and 2 years later I have 2 accounts with Capital One and a 645 beacon score. Yes Capital One sent a drek a card and in two years helped him build his credit. I noticed the bad reviews and I also see people who leave bad reviews because they could not get something for nothing. Well I have never had a problem and have grown well within my credit profile. Why? First I pay my bills and don't try to get free stuff and second Credit Wise 🦉. It is amazing and we get it free? I am and always will be a 100% satisfied customer of Capital One and oh by the way I jumped up 200 plus in credit score. Thanks Capital One. You know what's in my wallet. 😎

I have done 3 times to add a user to my account. Capital One said I would get an email. The problem has been that I never got an email for that. We went to the local branch, expecting we could do it there. Unfortunately, the teller told us that he could not be able to do that because the system does not allow him to do that.

Horrible customer service with disputes. Provided Capital One a signed copy of a contract showing amount I should have been charged along with actual charges that resulted in a large overcharge. Also provided copies of correspondence with merchant where they agreed there was an error and would refund the difference, yet they didn't, so I filed the dispute. Capital One denied the dispute within minutes, saying they needed a receipt from the merchant with the correct amount showing. The contract and other documentation wasn't enough proof for them to reach out to the merchant.

I have been a customer for 23 years, I have run over a $M in charges during that time (Business card for # of years) and my card has to be inactivated due to fraudulent charges. I leave for a cruise in Europe in 72 hours. They cannot get me a replacement card before 3-4 days. I have spoken to a customer service agent and supervisor and they refuse to do anything to facilitate overnight deliver card. Very disappointing and I thought they could have done better than that. The supervisor’s solution, call back tomorrow and see what they can do then! That makes a lot of sense.

Gave them a 1000 for a secure visa then the day I got my card they closed my account before I even got to use it once. Now they are telling me I have to wait 2 billing cycles for them to send my money back like it’s no big deal. They just keep my money and never even got to use the credit card once.

I am extremely disappointed in the poor customer service provided to me by Capital One in my recent "mixed files" identity theft. While individual agents were polite, there was no one who could help me resolve an issue that impacted my card with Capital One. I received no personal communication. Notices were filed online, but I could not access my account to read them via the app or online during this period because Capital One restricted access. I was a loyal Capital One customer for 23 years, never once being late on a payment or going over my credit limit ($20,000). I am appalled at how little anyone at Capital One cares. Goodbye. American Express and Wells Fargo will get my business

Capital One stole $349.99 from my account! I did not authorize the debit by Netverze back in early June for a pool device. They are a website design company, but the claims department believed that I purchased a pool device from a website design company. Furthermore, their company phone has been disconnected! The person reviewing my claim believed the merchant over a customer of 15 years. Bottom line, I did not authorize the debit to my account!! I will be closing my Capital One account and be moving my business to a bank that respects their customers! I had issues some issues with Capital One previously, but I stood by them when I should have changed banks back then! I will be voicing my opinion about Capital One on social media as well!

I have been on the phone for three hours today with Capital One. I am exhausted and no resolution. It will take 10 day apparently.... No concern that a small business cannot function with bad information from the company. I think I have spoken to 4 people today.. One hung on me.

Capital One committed fraud against us.. charged us for a transaction they assured would fix the issue.. A month later they still did not fix it. And left us with a charge.. They are a horrible company.. and extremely dishonest.. I watched my husband go through hell and back again for a month with over 14 hours on the phone.. and it still was not resolved.. They charged him a fee assuring him the card issue would be fixed. The card issue was not fixed.. he could not even use the card and a month later they say they refuse to reimburse the fee that they charged.. A huge scam on capital one.

This company closed our three accounts after two years because there were returned payments on the three cards and were corrected and repaid. They said, "We don’t know why your accounts are restricted and someone should reach out to you." So they said, "Your accounts are closed, nothing we can do but you will still get a bill and please pay it."