Capital One Reviews

They will not stop sending my wife and I sales emails. For 3 months I have tried everything. Their emails don't have an unsubscribe ability.

I never write reviews, but decided to point this out. I was just looking at another companies reviews and they were HORRIBLE. I decided to come over to look at Capital One's reviews as I have done business with them for years and more recently this week with a large undertaking. I have been VERY happy with the company and they have helped me when my own credit union of 31 years have not. Now, I'm seeing these bad things written here also. C'mon Now! Who do you believe? I just say to you all, make a wise decision. Use Capital One - Don't' use them. I like Capital One. A. Noel

After months of paying on my balance. I finally got to the point I could pay them off. I made 3 payments in March. One to lower my balance, my monthly payment and the 3rd to payoff my balance. I login and selected the statement balance option and paid it off in full. Capital One decided to charge me interested after I already paid my monthly interest.
I have called twice, but they won't cancel the extra interest. I've sent an email to [email protected], but no answer yet.
I also paid off PNC & Bank America too and they did not do me this way. I strongly suggest you get some other credit card.
These guy (Capital One) will nickel and dime you.

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Capital One has been my credit card provider for several years now. They have increased my credit limit a few times without me ever having to request it. Each time, they increased it by $1,000. I started out with a $750 credit limit and my current credit limit is $3,750.

I also recently upgraded to their Quicksilver rewards card, so I am earning 1.5% cash back on EVERY transaction. I had received the offer to apply for this upgrade several times via email, but I didn't take advantage of it until they actually sent me an offer to upgrade without even applying -- so I didn't have to enter/update any of my info such as my income, didn't have to have my credit pinged, or anything like that. Kept my same account, card number, due date, interest rate, etc. I was really pleased.

I think I've only dealt with Capital One customer service once, when there was an unauthorized transaction with my card (although I had not lost it) and I requested a new one. To my memory, the phone call was very quick, easy, and smooth. Got my new card with no issues, and I was not charged for the unauthorized transaction.

I have never had to carry a balance; my card has been paid off in full on time every month. Therefore, the high interest rate has not affected me. My interest rate is 22-point something, not quite at the very top of the high end of the interest rate scale but pretty high up there. I have not tried requesting a lowering of the interest rate, but I plan to. It would be nice to know that if I ever do have to actually use it as a CREDIT card and carry a balance if I find myself facing some sort of emergency, that I wouldn't have a monstrous amount of interest to pay. The interest rate is the only reason I didn't give a full 5 stars.

I initially got approved for my card with them back when I had no credit history and other cards would not approve me due to my lack of a credit record. I can understand a high interest rate in that situation, but since I've been with them for several years and paying reliably, I think a lower interest rate is in order.

I saw another review from someone whose Capital One card apparently got canceled because the card was always being paid off on time and Capital One wasn't making any money off him. If that's true, thank God that hasn't happened to me and I hope it doesn't. That's really concerning if true.

Since Dec 08,2020 i have filed a dispute after long three months of back and forth, Mar 09,2021 they have permanently closed my case in favor of the merchant because according to them i did not file in a timely manner!

I would give zero stars if it allowed
I would give zero stars if it allowed, capital one froze my business account and personal account stating fraudulent activity. They never informed me of the hold they put on my accounts and I only found out when trying to pay for groceries and my card was declined. It was a bank error that they admitted to BUT they still didn't release the hold on ALL my accounts. Eventually I was able to withdraw all my money from the personal account and I did open another checking ac with another bank. The hold continued on my business account for a further 3 weeks. They then said the account would be open and apologised for the inconvenience. The next day they closed the business ac and mailed me a check made payable to the business which they closed so the check could not be cashed. Weeks of phone calls and extremely rude customer support but to no avail on a solution. The right hand doesn't know what the left hand is doing. A complete utter disgusting experience. No compensation for the bills that had tried to be withdrawn and the bounced check charge to me. DISGRACEFUL SERVICE OF 15 YEARS DEBT FREE with MILLIONS OF DOLLARS PASSING THROUGH THEIR BANKING... WOULD I RECOMMEND? HELL NO. Their customer service department need to all be fired as they are so incompetent. If I ran a business like they do I would have no business.

I have 4 different credit cards for re-building credit, with that being said this is by far the worst one out of all of them, every last one of them has given me a credit line increase without asking except for this one, so when i asked they said because i was only making the minimum payments. Seriously what kind of bank would honestly say such a thing they are making money that way, however they should really be glad they are getting paid at all at this point, i have never missed a payment and always on time!

Capital One decided to cancel my credit card immediately and without warning. When I called customer service to ask what happened, they said that they had to cancel my credit card simply because I was, "paying it in full on time every month, and this is not helpful". So basically, being financially responsible and being dependable with timely payments isn't allowing them to charge exorbitant interest rates of 24.99%, and in my case, it is hurting their bottom line. When I asked what I could do to fix the situation, their advise was for me to take my business elsewhere. As soon as my final payment clears, I will be going to a different bank for a credit card.

I can't express my frustration with this company, this is the worst banking I ever had to deal with, and trust me I had multiple banking experiences before. I had to file a dispute for the same transactions multiple times with no resolution. I provided clear evidence that the transaction was to be refunded and they still closed the case without solving the problem. It took me 10 months until a part of the money got refunded, still fitting for my money.
I would not recommend this company to anyone. If you want a bank that cares for you as a customer and helps you with your money, trust me this is not the company. They will not make an extra step to solve the problem, and when it's about money, there is always a problem.

I just love my 360 checking account. Your support here is greatly appreciated. Thanks, Capital One.

Too bad a required "one-star" minimum for these jokers. Upped the interest while we lack jobs in the pandemic.
What's in my wallet? Nothing
What's in their wallet? Not just one wallet... they have filled up boxes and cargo sheds up with the cash from so many who have lost jobs.
These clowns think the pandemic is a scam.
Well, Capital One is the scam.
Stay away!

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I will never open up a Capital One Credit Card again. I called the customer service number to help with an interest charge on my statement and the representative refused to reverse the charge. I have been a Capital One customer for over three years and you best believe I will never use them for any service again. We are in the middle of a global pandemic where most companies are graciously offering to help customers in anyway possible. I am completely shocked at the way I was mistreated on the phone. The representative also said your feedback will not be heard. I hope someone from Capital one reviews this feedback. This should be unacceptable during a time like this.

Hi, Folks!

CapitalOne.com is 100% safe. I go to this site because What's in your wallet?
Capital One is one of the largest credit card financial lending institutions out there. Have a great day, folks. Best of Wishes, William

I called Capital One on Fri 9/18/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if they could send it electronically to my bank. They said no we have to mail you the check. It's about $90,000 so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named Randy and on another occasion I spoke to a supervisor named Crae. Today I talked on the phone with an associate and she elevated it to Brian, then he elevated it to Mary and then she elevated it to Kevin. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail (they said they can't email it) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor Crae admitted that they are supposed to FedEx all checks over $50,000. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of $4 interest a day which is what my CD was making and thus far I have lost well over $100 in interest waiting plus an opportunity to deposit the money in Chase and get a $300 bonus on an offer that has ended. I am at my wits end. I desperately need this money, MY MONEY, to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.

The executive offices have to be the worst hands down with customer service. They will respond to a complaint but not give their information so you can't reply. They refuse to admit when they mess up! They stated in a letter "In your submission, you stated that you reached out to Capital One numerous times without resolution. In your review if our call records, we were unable to find any calls as you stated in BBB" I replied asking how that is possible and happens since I spoke to Whitney at 1-800-955-1455 extension 291-7035 and dates and times and voicemail left like 9/25/19 at 12:26pm and left a voicemail again 10/20/2019 at 4:15pm. So it wasn't logged? Why not? And they replied with this vague response saying they already replied to this and agree with their reply none the less. Didn't address my questions or answe how it was possible it wasn't logged and never admitted they were wrong or apologized. Incompetent customer service especially higher up!

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They issue me a credit card and then put 5 day holds on my payments which effectively renders the card useless half the time because I can't charge anything even though I have a zero balance! And I can't get anyone on the phone to fix the situation. I'm going to switch to a new financial institution in the very near future that's run more professionally.

Since opening my secured MC CC acct in 2017 no credit limit increase still at 300.00
Going to be cutting up card and closing the account

I have a been a customer for over 10 years, so I think I can really evaluate them in terms of their growth. Years ago, they had terrible customer service, but I've seen a lot of progress since then. Maybe it was all of the bad reviews and complaints? Whatever the reason, they've become quite responsive. Their website works and is user friendly. Plus, they have a Credit Wise feature which allows you to check your FICO and credit report for free! I think their charge dispute process still needs improvement, but overall, I'm satisfied.

I had over $18.00 rewards on my Capital One credit card. I was told by customer service that I could not get my rewards until my credit card balance was paid in full. When I fully paid my balance 2 weeks ago my account automatically closed. I called customer service and I requested that my rewards go into my bank account. I was told that since my account is now classified as " closed " I am now no longer entitled to my rewards. This is a scam bank with phony "rewards ". They LIED to the Better Business Bureau by stating that they have " no record of any calls " that I made to them about these rewards.

Salut, j'ai eu mauvaise experience ici sans doute avec un service qui laissait a desirer pour une compagnie qui offre un service de credit!! Je demande un remboursement sur un item achete et on me dit sans cesse de communiquer avec mon marchand!! Aucun Support. Pierre

I was reading the reviews. They are either 5-star or 1-star ... what's going on here. They seem to be running a good business. Can anyone help us here? A balanced review can help many.