Capital One US Reviews 3,717

They restricted my card when i tried to make a payment from a bank that had already been validated by them and from which I consistently made payments. When I called them the only reason they gave was "it was flagged" but could not tell me why. There would have been no reason for them to think it was fraud since I've been using that bank to pay my balance for years! Then they called the bank even though I told them it would be closed since it was after 5 pm. They wanted to call anyway and put me on hold for 20 minutes then came back on and said they are closed. WTH!!! Then they said the next step would be to send them my last two statements with the full account number. I said I was not comfortable with that and was basically told that's too bad so sad for you. I told her that even if I were to send it, this bank does not put the full account number on the statement, only the last four digits. Her response was, "well just open the app on your phone and take a screenshot of it". What??? I just said they don't put the full account numbers on the statement, what difference does it make whether I'm on the computer or the phone?? At this point I had to end the call because I could feel my blood pressure rising!

I called back the next day during banking hours and this rep managed to get someone on the line who told her that they would not validate my account over the phone, that I would have to go in person to one of their branches.

I'm almost 70 and I don't need this bullshit! Pretty soon you will have to get blood drawn to access your own bank account!!

I used to love capital One and their customers service but it has definitely went down the drain. I called last week on Wednesday Mar 25 2026 to get a lien release for a car I paid off and received the title thru them and am planning to sell. The customer representative told me that I would received via email within 5 business days. I called on Apr 1st 2026 and spoke with the Automated assistant that forced me to verify myself or I couldn't continue with my call, then I verified myself to the person they transfer me to which was the wrong department, then I was asked to reverify myself when I finally made it to the title department. I told the person no because I had already verified myself twice since being on the phone and I was in public and dont want to deal with identity theft. The person refused to help me even tho I had already verified and identified myself twice on a recorded line. So then today I called back and verified myself to the Automated system, who transfered me to the wrong department again. So I asked to be transferred to the title department and now even though all i'm asking for is to be transferred to the wrong department the representative refused to transfer me even tho I already verified myself through the Automated system. So even if the representative can't help me I have to release personal details of my self to even single employee of capital One that is on the phone or they will refuse to help or transfer you.

Very Poor Customer Service , and the Sr. Account Managers are Worse,Payment System for Customers to make Payments to Capital One ABSOLUTELY Sucks , Customers Cannot Pay by Debt card for a quicker more Convenient and Smoother Transaction. Capital One calls that an update as a Customer I call it a Failure and Set Back for the CUSTOMERS.

if you're looking to get a high yield savings account through them. Please look somewhere else. They might have a good interest rate, but you will never be able to get access to your money. I have been locked out of my account every single time. I've tried to get into it since I got the account two years ago I recently was locked out of my account for a long period of time to come back to find that there had been a discrepancies in the funds in my account and as a result, I've been locked out of my account since I have gone to their store. It is not worth the hassle of sitting for hours on the phone, trying to get access to your own damn money because their app doesn't want to accept that you know your own password or your own Face ID.

Buns toke away my account now won't fix it and keep harassing me about credit card keep it up court next!

One of the worst. I lost 734.82 when customer service would not assist w service I couldn’t use during Covid shut down. Other cards are much better.

1 credit card frauded. Prickwads said I was there. $1500. " where is my signature?" You were at the terminal. "I have never been to Vietnam". You were at the terminal. 3 phone calls talking to robot people. 2025

Received blinds for my house. All of the blinds were the wrong size. None of them fit. Customer service number is fake.. tried to call, went straight to "this is not a valid number" multiple times. Capital One never have me my money back even though I spent OVER 500$ on something that I never got

I had been a customer for over 20 years with them. I never had a problem with them until this year. I have paid on time consistently every 30 days with maybe one or two missed payment over the course of decades. They cancelled my accounts (both of them) which hurt my credit and can not give me an explanation why. I get excuses. It makes zero sense. First they said fraud. Then they said China purchases, then they said a bounced payment. Which anything that was returned was immediately remedied within 24 hours as I informed them I was changing financial institutions. I’m big pissed. And never using them again.

The worst customer service ever. Instead of a human or even a robot with the correct information calling their support gets you an ad for a life alert button.

Capital one has very sorry customer service they don’t even have a way where you can make a credit card payment off of your debit card payment.. then they wait 4 to 5 days to take the payment just that if you can get a credit card card somewhere else do not and I repeat. Do not get a capital. One

In general, the Customer Service / Dispute Department dealing with a relatively small issue, was atrocious. There had been a charge on my credit card from a hotel where I stayed, for approximately $14.75. This apparently was for a breakfast buffet. I explained that the hotel had some sort of labor strike, and there was no one to make breakfast in the morning. There was no specific receipt for this matter. I had contacted the hotel to request a refund, but had not heard back from them. I then initiated the dispute. The information was taken by Capital One, in lengthy, clumsy, fashion, from overseas representatives who appeared to have relatively poor skills in the English language. They made the dispute process as lengthy as possible. Afterward, in subsequent communications, they first claimed that I had not provided any documentation, and they were closing the dispute. Again, I explained that there was no specific receipt, but the charge on my credit card was self-evident. I then sent them a copy of the email previously sent to the merchant, in which I explained that no service has been provided. CapitalOne re-opened the dispute, but then closed it, saying they were ruling in favor of the merchant. Ridiculous! Like a responsible credit card company would do, Capital One SHOULD have first contacted the merchant, asking the merchant to explain the charge. This was never done. I called Capital One again, hoping that, as a longtime customer, they would simply credit me with the $14 charge. They refused. I am now trying my best to minimize my involvement with this company, reducing my credit line, and letting others know about my experience with them. It is ironic that a company that advertises so aggressively can provide such horrible service. I was then reminded of an issue I had with them about 4 years ago, where they claimed that someone had tried to fraudulently get into my account. Clearing that problem was also, I recall, a frustrating, clumsy experience with their customer service department.

applied for a card and got denied. I have an 800 credit score but opened a card in the past 2 months. Called them for a reconsideration which they immediately did but I asked for what they would do differently when they said it would hit my credit again. They had no reason or explanation, couldn't pass me to someone who could explain and then told me it was too late. It's the same process so they just hit my credit twice for no reason. Do not do business with this company.

DONT' I REPEAT DON'T APPLY FOR THIS LENDER!

They are owned by Discover! Don't be a fool, Discover will give you a better credit limit and treat you better.

I had Capital One for nearly 10 YEARS, I can attest to NOT moving forward with them.

Out of the entire time I've had this card I may have been late once, AND it's because I missed adding a digit to account number. INSTEAD of them calling me to share the payment bounced, MIND YOU it's a $2300 payment that my BANK verified with your customer service reps existed in my account! CAPITAL CLOSED MY ACCOUNT WITHOUT WARNING!! MFR's - didn't have the audacity to save a 10year tenured client who had a great history with them.

GO ANYWHERE ELSE!

Bad experience.
Waiting for refund for 3 months.

Poor and extremly incompetent customer service, not able to resolve any issue. I don't exactly understand the point of having customer service when they can't do anything and supposibly theeir back team handles everything and can't get in contact with them. Worst service.

Capitol One Quicksilver Rewards Mastercard. Clicked the See if I'm Pre-Approved tab. I was, so went right into the application tab and got the Quicksilver Rewards Card. Earn a $200 cash reward in the 1st 3 months if spend is $500. Spent nearly $700 in the 1st 2 months. Was denied the $200 because,
(This one-time bonus is available by clicking the "Apply Now" button on this page, and may not be available if you navigate away from or close this page.) I deviated to check if I was pre-approved, the tab just above the apply now tab, and went right to the application tab. Looks like a despicable and deceptive practice. Closed my account.

Im a level 8 reviewer with 13 million views and I have never witnessed a company this neglegent and scandalous in my life I believe they purposely cause technical issues so they can destroy your credit and charge you with high fees capital one is NOT a credit builder it is a credit destroyer I suggest you stay clear from Capital one Iwill NEVER recommend capital one

Impossible to do the smallest things in my account. Simply want to delete an old business email and it absolutely offers no possibility. eno - the useless assistant that is constantly in your face - can actually do nothing. only thing to do is call and wait on hold. really, really awful self service options. plenty of other complaints but I still use the card for the rewards benefit. only upside.