Capital One US Reviews 3,717

I signed up for a capital one card to use the 0% interest introductory offer because their own website said that they would issue a virtual card once approved. I was approved and received an error inside the app saying "Sorry there was a problem." I contacted support and they told me my account was not eligible for a virtual card despite their website saying so. Complete waste of 20 min on my phone after speaking to incompetent customer support agents and a supervisor. I will close all my capital one cards and never use this company again for false advertising and no customer support.

$5000 payment "held" for 4 days with no explanation. My son's on vacation, and I had to send money over Western Union to get him cash.Do not use this card. Cash came out of my bank, yet they still don't apply it to my account for 4 days. Gone from my bank, shows acredit for amount paid, still can't use the card. I paid $5000, not a minimum payment, Total scam!

I had the misfortune of having Capital One on a credit card that I took out when I joined b j's warehouse, they are a complete disaster. The first problem you have is that even if they answered the phone. The person speaking has such a strong Indian Asian accent. You can only understand about every third word. That's problem number one problem number 2 is. I had a contested charge and I had to spend over 30 hours of my time plus $22. Mailing documents off to their address in Utah. To get the charge reversed problem number 3. Somebody approached and used the card fraudulently. They did not bother to tell me that they had caught it or that they approved one of the 3 charges. I found out about it when I tried to use the card the next time and it was shut down. I called and Smith 30 minutes. Getting them to cancel the card for the fraud and getting those charges off my account. At that point I decided they were simply unable to provide any substance of effecti service. Do not do business but this trash.

BUYER BEWARE OF AUTO LOAN

Simple loan means more A simple loan typically incurs higher interest rates. The loan was 11% and I’m having more then 50% of my payments going to interest payments at first then the interest rate slows as you pay more of the loan! THIS IS LOAN SHARKING BUYER BEWARE!

"Avoid Opening A Capital One Auto Finance Loan"

But if you do, be prepared to encounter an experience that is un-American, unprofessional, and a difficult interaction with their so-called customer service representatives. And with their upper management which is dismissive and indifferent at best when addressing issues concerning their customers. Not to mention:

-Shameless rate changes between the pre-approval and final offer rate.

-Credit bureaus report delays and inaccurate overall reporting that negatively impact your credit score.

Would give ZERO stars if I could. Absolutely worst bank I’ve ever dealt with. They will hold your paycheck for 1 week. They will lock you account so you can’t use it. Not to mention not everyone accepts Discover. All this and I’ve only had this bank account for 2 weeks! Closing this account. I can not stand Cap one bank.

This change to discover is garbage! Can't pull money from ATM’s or even use in some countries! Fix it!

Can’t speak English and are untrained they don’t know how to think they don’t know how to listen. They don’t know how to do their jobs and the worst thing about it is they’re indignant about it. They act like they know exactly what they’re doing and they can’t even understand a question when it’s being asked of them. What a nightmare they are as a company to deal with a highly recommend that you don’t do any business with them because all you’ll get is attitude and a lack of caring about the customer.

Absolutely one of the worst companies to deal with customer service they absolutely do not care and scream the fact they do not trust their customers no matter how long they have been with this company. never will I open anything checking or savings with capital one they do not trust me and I will never trust them with my money

Very difficult to log in. Always does not recognize my info, even though I enter it EXACTLY. I am Forced TO Do a NEW PASSWORD, WHICH WHEN I use the same one, it is accepted. Next time it does not work. Don't like having to give SS # every time.I have to make a new password
This is by far the worst website I have ever used and I use a lot.

I haven't had contact with Capital one in 4 years and I sent them details messages not to access my account. Yesterday on 4/10/2026 they accessed my account and took 82 dollars and when I called them they had no history of said action.

I have been using capital one for years and I really like their customer service. I never really had to wait for hours and they would usually listen and solve the problems for me. But capital one shopping rewards department usually take forever to respond or no response...this part no good

Disgusting corporation. I, supposedly a customer you want to do business with, call in and I'm told I'll be on a recorded line and I say, then I am recording this call too, and I'm told I can't?! That it's against your POS company's policy? SO I say then I'm not allowing you to record me either and I'm told you will not continue the call unless I bow to your demands to record me without my being allowed to record you?! What kind of evil crap might you all be up to that you would never allow yourselves to be recorded but you demand to record your customers. You are so out of touch with humanity and so locked into the system. I am utterly disgusted and I will copy this and post it now on all the review sites I can find to expose what frauds you are at caring about integrity and/or your customer's ability to protect themselves from you via recording calls to prove what was covered in the conversation. How is that a problem if you aren't doing anything on the calls that you wouldn't want to be recorded?

It won't let me do zero stars. They are now scammers. They take money out of your account overnight when you're not watching. PLEASE BEWARE! Capital one is now a scam company. Do not trust them with your money. They steal it. I would recommend setting your money on fire over getting a bank account with them, much less headaches that way. Please understand after they did the discover transision they have tanked in quality. Can't even use your card in all places. Don't let them scam you like they did me. The stole $300 from me.

Will not do anything to help the customer. Contacted the fraud department about a dispute, and that has been a waste of time. 1st email said to send proof within 5 days or we will close the case. Did that and the case was still closed. Called a in and was told they would reopen the case because they did find the proof that I sent in, but 2wks after that;received another email saying the same thing. When I tried to resubmit the proof, the link said unavailable. I called and was told that the only option I had was to fax or mail in the proof. If I sent it by the link and you couldn't find it, how does faxing it or sending it by mail work. Long sorry short, the case was/is closed again because they refused to help the customer.

Capital One customer service is useless! I was trying to zelle money to an online legal company. I was a little skeptical at first but everything I could find said that the company was legit. The only issue was that for the court fees they needed payment either with zelle or a money order through the mail (which takes longer). I tried the zelle method to save time but it was flagged by capital one's fraud alert. I called capital one customer service and they told me that they couldn't tell me WHY it was flagged but they told me that THEY KNEW WHY. They just couldn't tell me!?!? Apparently it was a secret that they were not allowed to tell me. AWESOME! I was told wait 24 hrs and try it again. No luck, still didn't work. I called capital one back again and asked for the fraud alert to be lifted but they instructed me that there is nothing they can do. I insisted on talking to a manager because there IS ALWAYS someone who can override the computer software. I was patched through to someone named Diana or Diane who was VERY UNHELPFULL! She seemed incompetent. All she could tell me was that she can't do anything. I explained that it was my money and I should be able to use the way I want. If it's not a legit company that's MY PROBLEM because it's MY MONEY. I'm willing to take that risk. Like a parrot she just kept repeating that she didn't have the authority to help me and she didn't have the authority to connect me with someone who could help me! It was very annoying!
I'll be honest. I'm probably going to stay with capital one because their interest rates are good but I'm going to be looking for a better bank. Their customer service is horrible. Capital one managers seem weak. They project that they have no power or authority to do anything, which is shocking! I guess they are just "managers" in title alone. They have "no power" to do anything besides dismissing their client's complaints.

What is really wrong with traditional banking?
Why can't you people improve your processing time and customer experience?
I wouldn't blame anyone looking for alternatives because why not?
Housemining platform is currently giving a safe contract option which is found to be the best right now.

i do not use capital one bank but i really needed to use the restroom so i went into the cafe as it was closest in soho New york and i ordered a matcha. i wasn’t expecting much because i was just needed the toilet but in my opinion, that was the best matcha i have ever had, no i’m not exaggerating, everything about it was perfect, the cold foam to the syrup as it was evenly spread through the drink. I believe it is even better than blank street matcha and the customer service was absolutely amazing aswell. If i had to live off one drink for the rest of my life it would be that vanilla and cherry matcha, it was AMAZING, the atmosphere was sublime, even the toilets were amazing so if you are ever in capital one bank, invest $8 in that matcha.

If I could give 0 stars I would , this has to be the WORST customer servce I’ve ever dealt with top 3 for sure. Super high rates no one follows up or helps get anything done I could go on for days . Go elsewhere trust me .

Have a Capital One debit card for checking account and arrived in Casablanca expecting to do the normal thing, withdraw cash from an ATM at airport. Transaction could not be processed. Tried two other ATMs in downtown Rabat, still not possible. Called Capital One customer service and had agent shouting at me to use the web site to find an ATM location. Zero in all of Morocco. Can simply not get my own cash due to partnership with Discover. Will have to wire money to myself through Western Union, pay fees and interest, and miss a morning of scheduled tour events to get this done. Ridiculous. Absolutely FAIL from Capital One. I will move my accounts when back in Us, this is totally unacceptable when networks are worldwide and this is a basic expectation of any bank.