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Capital One
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4.3 5156 Reviews

Capital One Complaints Summary

173 Resolved
849 Unresolved
Our verdict: With Capital One's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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Newest Capital One reviews & complaints

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10:55 am EDT
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Capital One credit card paid off. and closed.

In May of 2019 I paid the he amount of $******* per my statement before the due date plus cancelled my credit card. I was under the assumption that there was a balance of 30.00. That they were to take out of my bank. Never happened. however they are now charging me $97.00in additional interest charges. No where on the statement does it say anything about a payoff amount that differs from the shown balance owing. I have called 6 times in 2 months and they will not remove the $97.00 charge and don't even care I request the $***** be removed so my account reflects a zero balance as it should. Thank you.

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11:34 pm EDT

Capital One credit card

Hi, I am writing this review, about Captol One credit card's. I opened this credit card account on June 8, 2017. My credit score was about 700 and my limit was $500. This company is deceitful and I totally agree with the other customer reviews. When I received this card, they tell you that they will raise your credit limit after 5 good payments. That is a bald face lie, I have asked for a credit limit raise multiple times and I was denied everytime. I have the QUICK SILVER ONE credit card and I was late a couple times in 2017 and it is still showing up bad on my credit rating. It is now July 12, 2019, no late payment's and my credit from them is still messed up. I call them in 2017, after my payment's were late to explain. My situation was I could not work, for a year after my surgery. My job didn't have my paperwork in order, so I didn't get a check for month's!

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4:29 pm EDT

Capital One auto loan services

I have been trying to get my title for my automobile since January of this year, and it is now August. I called in January and the representative told me that they could not mail my title to my new address because it didn't match the address on the titlle and I would have to contact the Dmv in California. I currently reside in Colorado. Then in July they contact me saying they have my title and they need my new address to send it out to me, although they put the wrong zip code so now it is going to the wrong address again! I call to speak to a supervisor and they connect me to a resolution specialist who was very rude and unapologetic for this inconvenience I have been experiencing for 6 months. Then she advises me that they will overnight me a piece of paper that I can take to California to get my title. No apologies!

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Update by Sace
Jul 30, 2019 4:29 pm EDT

I have been trying to get my title for my automobile since January of this year, and it is now August. I called in January and the representative told me that they could not mail my title to my new address because it didn’t match the address on the titlle and I would have to contact the Dmv in California. I currently reside in Colorado. Then in July they contact me saying they have my title and they need my new address to send it out to me, although they put the wrong zip code so now it is going to the wrong address again! I call to speak to a supervisor and they connect me to a resolution specialist who was very rude and unapologetic for this inconvenience I have been experiencing for 6 months. Then she advises me that they will overnight me a piece of paper that I can take to California to get my title. No apologies!

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title_reguru
, US
Aug 22, 2019 2:43 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Did you get this resolved? If not, try emailing your information to vehicletitleadvisor@gmail.com

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1:37 pm EDT

Capital One closing of account for no cause

I have ben with capital one for almost 20 yrs. Several years back they raised my interest rate over 10% for no cause. I had never missed a payment, been late etc. Last week I got a notice saying they were closing my account because of no activity in 3 yrs.I stopped using it and paid it off after they raised mt interest. So through no fault of my own they will close my account, which will affect my credit score adversely. I called and after a 30 min. wait a supervisor told me I could do nothing to stop this closure, but could apply for a new account. Why would I when i already have an account?So basically they said they didn't value me as a customer after 20 yrs. I'm apalled and angry that this is how a loyal and excellent customer is treated.

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6:50 pm EDT

Capital One customer service credit card

Between 2PM: and 5:PM MST July 17 2019 I was disputing 2 charges on my Capital One card and had spoke to 4 people. 2 were out sourced whom I asked to speak to someone in the USA they were both very nice and complied. When I had started my account with Capital One I had specified to always talked to a USA CS person it failed.The first Capital One person Tina was very helpful but we had been disconnected. I waited 10 mins for her to call me back. After that I called back got the 2nd outsourced person who gladly put me in touched with a USA CS rep after a long wait I got a CS person who ID herself as Demetrius NGO301 a Capital One supervisor . I told her my issues and during our conversation she became rude to me and she talked over me and said the reason she was talking over me was due to a delay in the phone service and I said baloney I did not believe that. After that she never did it again. I informed her that if we became disconnected to call me back she said she had my number. We did become disconnected but she never call back. Tina did call back while I was talking to Demetrius. Later on I called back and got my ?s answered by a helpful outsourced CS rep. I think Demetrius needs to remember I am the customer who pays her wages and if she is truly a supervisor she needs some help with her phone skills. Thank You Lonnie Grove 5614 CR. Card--4120 Last four SSN

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3:47 pm EDT

Capital One auto loan

I paid off my loan on May 07, 2019. According to Customer Service, my title was mailed to me on May 22. After a month of waiting for it to arrive, I called and asked for a release of lien letter so I could apply for a new title through the state. It has now been over four weeks since requesting the release of lien and nearly two months since the title was "mailed" and neither one has shown up.

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title_reguru
, US
Aug 23, 2019 2:33 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Hello Joshua, did you have any luck yet? If not, put a request in to vehicletitleadvisor@gmail.com for a status check.

Good luck

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5:17 pm EDT

Capital One finance charges on my closed credit card account, closed by me

Hello, I recently noticed that I have been receiving finance charges on my account which is closed by me a couple of years now. I pay this on time and I do not want to hear that the charges is because I paid minimum, you are getting paid and the amount owed should be going down not up on my balance. I demand that the finance charges stop as of right now and my payments get added to the balance so that it came come down, and not hold me or any customer hostage paying on the credit card. I can contact the better business bureau and file a law suit. I was never told about any finance charges and It better not be charged to me again! Richardean Montgomery email [protected]@yahoo.com

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12:34 pm EDT
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Capital One credit card

My name is Jayne B. Bergen, I just received a phone call from 619-864-7786 the person said she was calling fro. HSBC Orchard Bank. She said that I owe $1000.00 but if I pay now it would be $779.00.
I have never heard of this bank, nor have I ever had a credit card from them.
My cards that I have, I keep at a zero balance. I need someone to please look Into this ASAP. The lady was rude, wouldnt give me any information, and when I tried to explain I didn't understand her, she hung up.
My phone number is [protected]

Thank you

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6:29 pm EDT

Capital One credit card requires immediate review for jordan robertson

May 31st Qualstar Credit Union mailed a cashiers check in the payoff amount of 2, 108.82$. Unfortunately the check was not to be disbursed to Capitol One on or until June 13. I cash the checlled several times about the payment and everyone said same thing we didn't get it. So yesterday I went to my bank secured proof that the check to capitol one had been reconciled. An investigation was opened but because of my strong proof they cedited my account with funds matching the check they still had as they still hadn't solved the mystery. I also asked for a replacement card because mine had been destroyed. The repetitive I latter found out requested a new card completely and in 4-6 business days I will receive the new card. So from a check in the mail May 31 to when I get my card to access it will be over 30 days. The mistakes in misallocating the original funds was not my fault, asking for a replacement card to replace a damaged card was not my fault. However, I am now a month behind in some of my bills have accrued late fees ect. When I called today I said I need my card sooner I have late bills to pay and bills I have to pay so their not late. I called Capitol One today to try and find a resolution to this and they would not take action, my option was t wait. I'm sorry but when I owe capitol one I don't get to say you'll just have to wait, not without having consequences paying fees and penalties. So I kindly ask Capitol One find a resolution other than just wait. Perhaps make sure my card data can be read on the tab in the mobile app, because then I can use my electronic wallet, or give me the info over the phone. Or send another card cancel or don't cancel the one already ordered but mail it overnight. that seems the least that could be done, but when I talked to them they said the expedited option wasn't available because the other card had not shipped. He consulted superiors and they wouldn't override it, essentially) because it couldn't be done sitting at their desk. They might actually have to call the mail room or walk down the hall. I am very upset and disappointed Capitol one has done nothing to show they care. Please look at this again, I really need the card this week or at least the information card # exp & security code.
P.S. would adding an authorized user generate a new card I could expedite and then link to for use? Or order checks expedited.
Cell: [protected] Email: [protected]@outlook.com DOB 05/12/1984 SS# ***-**-1615

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11:22 am EDT

Capital One won't take my payment

I used to pay my auto loan monthly on a Friday and it wouldn't go through until Monday so i scheduled my payment for three days early so it will come out the day I get paid. Well it still hasn't come out and it's four days later. I'm paying my payments a month early so I can trade In the car I have and refinance and capital one will not let me. Like they want to be late. My account with capital one is saying recieved but my funds say otherwise. They have overdrafted me in the past cuz I think the carnote came out but it didn't but they won't take it when I have funds in my account

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2:21 pm EDT

Capital One restriction on credit card d/t fraudulent activity

On 5/29/19 my fiance called to lift a restriction placed on our credit card. The Capitol One customer service representative told him it wouldn't be today, but because it was an emergency, they'd try as hard as they could to get it done the next day. The request would be placed 'ontop' of the fraud department manager's desk ASAP. I was in Branson, Mo on my way to Greenbrier, AR, (which is two hours South of our home) on a sales call. Simultaneously, I ended up having issues with my PayPal account and found myself stranded - with no gas, no cash, no food-hence our need to lift the restriction on our Capitol One Credit Card. We have a time share in Branson, so one day, even if it came to two days, wouldn't be too bad of an issue. I would just book a room for a night, and stay to catch up on paperwork until I could leave. I was forced to book a 3Night stay BC I didn't have a working major credit card to put a deposit on, BC our Capitol One credit card was restricted. This was a waste of our time-share points, but the situation was emergent, understood, and I was just grateful to have a bed and a shower. That same day, he submitted the required documentation, which were pictures of his driver's license, and was told "Thank you. This is all we need. Sorry for the inconvenience" after they verified that the submitted document went through. The next day, because my fiance had to work and has no cell-service out there, he asked me to call them to see... stating he gave them permission to talk to me about our account. I put him on speaker and called them. I requested how it was going, they needed to verify that he was near and he then gave them his personal information. They were very friendly and stated "Everything looks great!" The rep verified once again, that the paperwork was all in order and we just had to wait for a fraud manager to call him within 72hrs of when he first contacted them, which again, was 5/29/19. I stated that due to not having any service where he works, would they mind calling my phone. They stated that was no problem, and we hung up. Jeremy called them once more that day, and again that evening with the same response: They can't do anything. There is nothing for us to do but wait for the Fraud Management Department to call us. In the meantime, I lost the $500 sale, and to pawn my wedding ring for gas money, and had not eaten but 1 taco from scraped up change since the 29th. I returned home, and we continued to call them various times throughout the day with continued answers of us to wait. Our patients was worn thin by now, however, we couldn't do anything. Our hands were tied, and it wasn't quiet 72hrs. Because our Timeshare was still active, we decided to drive back with our children for a mini vacation. My Paypal account was once again active, and we took some money out of our bank bc, why not? It's summer vacation, everyone was bored, and our card was going to be activated within a couple of hours, as the 72hr window was up. Yesterday, we called at 0915, and were told the same [censored] story... Just wait. She couldn't do anything. They will call you. She'll put an 'urgent sticker' on her email, and put it 'ontop of their pile'. I asked her to do that, re-read me the email so I knew it would get done. She stated she couldn't bc the email was automated... sent to another department to be written and sent. I was frustrated at this point. Six hours later - 1515 - We called back, after still not hearing back from that magical management. We talk to a man named Joel (I believe) who told us that my fiancé needs to send in his social security card, and a bank statement, which was later changed to varication of address. It was afternoon on a Saturday. We were 2hrs away from home. Joel stated that that information has been on our account for days. Why did we not send it. He was a [censored]. We said noone had told us to send in more information. As a matter of fact, everyone we talked to said our paperwork was in order! He told us sorry, but those are what is currently needed. I asked to speak to a manager, which he gladly sent us to. I have asked for a manager multiple times, and have been told that one is not available. They are on a different floor. I spoke to the manager... I was upset/angry/unprofessional... I apologized, but I strongly voiced how angry I was. My fiancé does not like to get angry. He just wants to cancel it all and do away with it because he too, is incredibly upset for being tugged around the way we have been. Our phone call was - surprisingly - disconnected! *Shock/ Gasp* I called back and went through the whole automated crap, once again, and immediately asked for manager. She attempted to assist, and was calm and kind, which calmed me. She transferred me to manager, who did not give a [censored] about who we were, or what our situation was. I begged... explained... expressed...and he easily dismissed our case, stating that we had to send those documents in before anything can happen. So... now we wait. 2 hrs south of our home, with five children, who are bored bc we cant do what we said we could. We are making the best of this situation, but Capitol One has completely [censored]ed us over. They will not (they state they are not allowed to) tell us what all of this [censored] is even about. They sent us an email to upload the documents to... however, it is not working. I'm so done. I'm upset and disheartened. We have been customers for 3yrs now. Have had two cards. Filled them up. Paid them off. And now, I want nothing to do with them. I don't know if you can help. But I will be sending this to BBB. I will fax a copy of this to the "Complaint Department", which I was told during my 0900 phone call, that the only way to send complaints is through the USPS - address in Utah, or fax it. I will do all three. I don't know what can be done. We will send the damn documents. But we are continuing to consider our options. I have NEVER dealt with such unprofessionalism. I have been a customer service representative, I know the [censored] that comes through. I am generally one of the customers reps enjoy talking to, and discussing with, but I was pushed to the brink of mania because of the lack of respect. The obvious 'muted moments'. The flippant disregard of me, my family, as PEOPLE. We are PEOPLE. HUMANS. Not NUMBERS. Not solely CASES, ACCOUNTS. There are real-life consequences when your livelihood is messed with. When your expected money isn't available. When multi billion dollar companies cant show sympathy and consideration, they fail. You have failed. I want everyone we dealt with fired. I want at least $500 reimbursed to us due to the loss of my sale, and $50 for the loss of my engagement ring.

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6:57 pm EDT

Capital One auto finance

I am so thankful I refinanced my car immediately after purchase. I cancelled my gap insurance and the check was sent to the car dealership then Capital One withdrew it from the dealership account 2 months after I refinanced my car with another company. Why I do not know. They did not inform me they withdrew the payment and never sent me the payment. After speaking with numerous people in the company and some of them saying it was a refund and then it wasn't a refund I got ahold of the escalation department. They said that the refund would be FedEx 2 day shipping and I would have received it on the 22nd. I call today the 23rd to see where it is and now they are saying they do not do FedEx shipping and that it was sent yesterday and just be patient. I have been patient since March 11th when they took it out of the dealership account and applied it to their account although my loan was paid off Jan 29th with Capital one. I am highly upset and my next complaint is with CFPB. I don't see how a company can take money that did not belong to them in the first place since my loan was no longer with them! And to make matters worse the gap insurance company has verified a 100% refund was sent to the dealership and the dealership has confirmed that $750 was taken by capital one but capital one is saying they only have $746. This is the worst company and I will be sure that CFPB, Yelp and Google reviews see this as well. This company is a complete joke and need to lose their auto finance license.

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11:59 am EDT

Capital One capital one 360

I am complaining about the mobile check deposit site in which they knew right away they wouldn't allow the check to be accessed and still let it deposit now I have to have my husband call Prudential and issue a stop payment and reissue a check because the check depositied into my account which my husband was not on and doesn't have according to them a verifiable phone number so they held my account allowing other deposits and collecting interest on them and I want a compensated for my time trouble and they won't add my husband to my account which the account in my name and the check in his but this is ridiculous the address is the same and contact number as well I am contacting my attorney general because if it was known to be refused on day 1 they should not have let it deposit that has to be fraud knowingly accepting the deposit and denying him access. My account number is [protected] and name is Sherry Kelley husband is Daniel Lapardus address is 1918 morecott Dr sissonville WV [protected] contact number and I will be following up and pursue this matter farther

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1:07 pm EDT

Capital One credit card

My name is Sedrina Barnes, I called in regarding the credit card balance and noticed in had $1 on the card. I called the customer service line and i'm in complete shock. I was unaware that when making the payment on it's actual due date it would not post until the next day. I spoke with three of your supervisors this morning. First I spoke to Darlessa her ID # ftx718 she was not any assiatance, then i called back and spoke back to kathy her ID # jmq948 she was not any assiatance and she was disrespectful. Then i called bak a third time and spoke with kimberly she also was not any help. Then i called back or the FOURTH time and spoke to OTIS and he was not any help either. What is the point of having a customer service line when nobody can assist you. The customer service here at capitalone is HORRIBLE. I should not have to call back four times and speak to supervisors whi can't waive a $75 fee for me. I was not aware that when my payment posts the next day it will charge me $25. As a new customer i was treated unfair and would like my credits reversed back to my card. ASAP! considering leaving this company youll dont know how to treat your customers.

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1:40 pm EDT
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Capital One credit card

I have been a capital one cardholder for about a decade. I have always received excellent customer service from this carrier - multiple time throughout the past 10 years a customer service representative has graciously removed late payment fees from my account as long as the payment was made in a reasonable amount of time past the due date and prior to fee removal. I have auto pay set-up on my account for $50 to process on the 27th of every month. $50 is typically aligned w/ my minimum due if not a little more (credit line very small on this account $2250). On april 27th I received a confirmation email that my capital one credit card has been paid via autopay in the amount of $50. Three days later on april 30th - I received an email stating that my capital one credit card is past due and that I need to make a payment immediately. Confused, I checked my email from april 27th and re-confirmed that my account was in fact paid on time. So I called customer service and the automated system informed me that I owed $2. So I proceeded through the automated payment system - paid the $2. I do not receive my statements for this card in the mail - I am paperless as most credit card companies shove this notion down your throat. With that said - I will be honest, I rarely check my digital statements, but I have had this card for several years so I do not anticipate much change to occur month after month, especially with a $2250 credit limit. Given that I owed an additional $2 - it was obvious at that point that my minimum balance due was $52 in april v the $50 that I had been paying on auto-pay. So I checked the account and I was in fact charged a $38 late fee as a result of this minor oversight. Given that I had just received the email on april 30th (3 days after my auto pay processsed on the paymet due date) - I assumed that I would receive the same great level of customer service as I have always received so I called capital one's customer service line - explained the silly $2 discrepancy that occured and asked for a reversal of the $38 late fee. I was told "no reversal option offered." shocked - I called back and spoke with another representative. She was more compassionate - but still not able to make the adjustment. She transferred me to her supervisor. Supervisor explained that capital one used to be significantly more accommodating when it came to late fees - but have since tightened their policies. However, in my opinion, not reversing a $38 fee on an account that is past due by 3 days and $2 - that is just poor customer service. I called customer service again today in hopes that my situation would interest someone enough to make this right - but to no avail. It appeared to me that the individuals working at the support center had their hands tied. I do not think any level of supervisor in the building has the ability to manually override the system's rejection - which means the computer is the only true source of customer service provided. If anyone has any advice on how to resolve this please let me know, elaine. [protected]@gmail.com

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11:51 am EDT

Capital One disputes dept carlos agent #lph116

On 4/17/19 a charge from official payments was processed in duplicate for 22, 650.00
both processed same day both the had same authorization number.
I called customer service and explained to the young lady in tampa florida what transpired. She confirmed the the amounts were the same for the same date with the same authorization number. She advised I dispute it because trying to get someone at official payments during tax season could take forever. I disputed it and the charge to my account for the 22, 650.00 was reversed.
The very next day, I received an email from Official Payments. They explained the duplicate charge, their apologies and the amount was credited back to my credit card.
I in turn called capital one immediately and informed them. I asked to please remove my dispute as it has been refunded. I was told and have been told for the past 3 days that they can not remove the dispute until they receive something in writing from Official payments. That they have 90 days to do so.
My concern is that I can not make a payment on my account now.
Since it is showing a negative amount due.
I understand you need to follow proticale but it is all so clear when you look at my account, There's a double charge for the exact same amount, same day, same authorization number. then next day you see a credit for same amount from same vendor?
I'm am amazed at the fact that I could be charging something for $50 at the grocery store, and I will get a call, a text and an email from the fraud dept asking if I'm making the charge and to reply yes or no to confirm but a charge like this was never ever questioned.
I just want to pay what I know I owe can someone please help me with this?

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4:29 pm EDT

Capital One platinum mastercard

I always pay my bills the first of the month. I noticed just like last month my payment wasn't posted until the 15th of that month even though I sent in payment on the 1st by money order and mailed at post office same day. As usual I check the status of my payment was not posted so I called customer service they claimed no payment was received. When I checked my mail same day the 17th of this month I received a letter did 4/9/2019 that my money order was damaged. I sent a western union payment the 17th and the status is delivered. I called customer service and talked to Silver and she told me it can take up to 15 days to be posted to my account. I am at perplexed why should I pay a fee for a late payment because your company is slow?
I will pay this card off asap the customer service sucks!

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1:07 pm EDT

Capital One savor card ending in 2530

Charge by 1757 Golf Club, Dulles, VA for $2367.60 for dinner on March 29, 2019. Merchant coded as "green fees". I have invoice that clearly shows charge was for a dinner for 32 guests (a rehearsal dinner for my grandson's wedding. Talked with supervisor on phone. Was told there is no way to change rewards from 1% to the appropriate 4% although I can demonstrate and the venue will verify that the charge was for dining. I understand you go by the merchant's designation, but no system is so inflexible that it an't be overridden. I applied for the Savor card specifically because I was anticipating this major dinner expense. I realize the card is new and anticipate others will be similarly frustrated if you provide no way to demonstrate the actual basis for a charge. Fo the sake of good public relations and customer service I hope you will help me by making the appropriate change to my reward points.

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11:55 am EDT

Capital One credit card

I placed an order for a $25 rewards giftcard on 1/6/19. To date, I still have not received it. Today is my third time calling to find out where the card is, 3 months later. I was told that the credit was placed back on my account, instead of the card being reissued, and that they have no control of the mail. This is precisely why I don't use this card. The service is trash, and so is the return.

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7:23 pm EDT

Capital One capital 1 bank is blocking my checking account and money transmittals

My dear friend and business associate Lisa Milla Lawson has been detained in Malaysia for over 2 years now. She needs funds to get released. She was assessed a fine of $100, 000 to have her merchandise released from being held by the Malaysian government. The cost of her release has now increased from $100, 000 to nearly $400, 000. Several banks have been blocking my attempts to send her money, even closing my accounts with them, including Capital 1. I need help getting Lisa released from Malaysia and be allowed to return home with her merchandise. Lisa is the owner of Lisa Lawson office equipment, an import/wholesale company for office equipment. Her merchandise in Malaysia cost Lisa about $1, 300, 000. Her webpage can be found in Google.

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Capital One Customer Reviews Overview

Capital One is a well-known financial institution that offers a wide range of banking and credit services to its customers. The company has received numerous positive reviews from its customers, highlighting its excellent customer service, easy-to-use online banking platform, and competitive interest rates.

Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.

Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.

In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.

Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.

Capital One In-depth Review

Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.

Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.

Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.

Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.

Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.

Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.

Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.

Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.

Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.

Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.

How to file a complaint about Capital One?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:

  • Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
  • Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
  • Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
  • Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
  • Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
  • Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
Remember to include relevant dates, transaction details, and any other information that may support your complaint.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.

6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.

8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.

9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.

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Contact Capital One customer service

Phone numbers

1800 481 3239 +1 (877) 383-4802 More phone numbers

Website

www.capitalone.com

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