Capital One Reviews

Name: Capital One
Rating: 1.30

1.3 Rating 274 Reviews

7 %

of reviewers recommend Capital One

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Metrics

1.3

Based on 274 reviews

Shipping & Delivery
Delivery Methods	Courier
On-time Delivery	Greater than 91%
Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Under An Hour

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Capital One 1 star review on 5th December 2025

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“ZERO STARS. My transfer balance took forever to get to Capital One from NFCU. 1week later called to confirm if they received it because it was cutting close to my minimum payment due date. Capital One blamed my NFCU account and said to check with them for the reason of not receiving it and was told it takes 2weeks. Sure, enough they received my transfer balance the next day, as I seen it on my app but it was still pending. I was told to still make a minimum payment, I did so & the app showed that I had a credit from my minimum payment/past payments. The transfer balance went through, and I decided to close my account since it had been taken care of. Rep on the phone said that she can issue me a check for the credit on my account & I received it. Perfect. All is well so I forgot all about the Capital One card. 2months later, I am hit with an INTEREST CHARGE & A PASS DUE FEE. Due to the fact that my minimum payment failed. Now I owe an extra $50 in fees plus my minimum again. Instead of the rep telling me that she can issue a refund credit check AFTER all payments went through which I thought was what happened, she failed to do so. Now I owe them once again and I talked to 3 reps at Capital One including a manager named Jenny. They would not write off the fees. THEY ARE A JOKE & A SCAM. WHY WOULD YOU ISSUE ME A REFUND IF I STILL OWED MONEY???”

Helpful Report

Posted 1 year ago

“worst customer service I have ever received - passed through 5 reps and 2 departments - wow super bad and literally no resolution. I had to hang up for them to stop passing me off (20 minutes each)”

Helpful Report

Posted 2 years ago

“Capital One will literally destroy your life. THEY WONT WORK WITH YOU! I worked very hard to build my credit in preparation to buy a small house so my wife and could start a family. I took out a simple 3k limit credit card to build my credit even more when she was pregnant. I knew my credit would take a hit but dropped 60points for a 3k card i didnt even need!! They refuse to acknowledge this is a ridicules hard pull and are fully capable of fixing it (i confirmed). Now, my wife is 20 weeks, and im sgruggling to get a morgage cause of that pull. I went to them for help and after a bunch of calls they will refuse to even try. They ruined all i worked hard for.”

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Posted 7 years ago

“I wouldn’t say they made me happy I paid my entire balance due and now I have a hold on my credit and can’t use my card for 2-9 days I wondering if I made a mistake by using capital one they had a fraud agent verify my bank account info with my bank thru conference and I feel like they wasn’t as professional as they should have been it was easy getting a quick silver one card but the headache of paying your bill is over whelming”

Helpful Report

Posted 7 years ago

Capital One is rated 1.3 based on 274 reviews