Capital One
Capital One Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Capital One reviews show a 1.6 star rating from 599 reviews with 39% likely to recommend. Consumers report low satisfaction, frequent billing errors, refund requests, and concerns about customer service and reliability; 42% want improved customer service and 66% avoid future use.
Key Takeaways for Future Customers
- Expect issues with customer service and prolonged resolution times.
- Keep records for billing and refund disputes.
- Monitor accounts for fraud and unexpected charges.
Negative Feedback / Risk Areas
- Recurring customer complaints about billing errors and delayed refunds.
- Poor support for disputes, travel portal failures, and account restrictions.
- Fraud handling and credit limit reductions causing trust issues.
Positive Feedback
Some customers report resolved disputes and satisfactory refunds after escalation.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Capital One reviews show a 1.6 star rating from 599 reviews with 39% likely to recommend. Consumers report low satisfaction, frequent billing errors, refund requests, and concerns about customer service and reliability; 42% want improved customer service and 66% avoid future use.
Key Takeaways for Future Customers
- Expect issues with customer service and prolonged resolution times.
- Keep records for billing and refund disputes.
- Monitor accounts for fraud and unexpected charges.
Negative Feedback / Risk Areas
- Recurring customer complaints about billing errors and delayed refunds.
- Poor support for disputes, travel portal failures, and account restrictions.
- Fraud handling and credit limit reductions causing trust issues.
Positive Feedback
Some customers report resolved disputes and satisfactory refunds after escalation.
Media from reviews
![Capital One - My name is [PERSON_NAME], the...](https://cdn0.opinion-corp.com/review-media/pictures/2026/05/25/capital-one_my-name-is-person-name-the-202605257226649_f63b-medium.png)
Capital One Collective Complaints
CFPB Complaint Radar
Powered by AI · Based on data from the U.S. Consumer Financial Protection Bureau and PissedConsumer.com
Top Capital One Consumer Issues
CFPB
- Fraud charges
- Credit disputes
- Account issues
PissedConsumer
- Zelle problems
- Stolen phone
- Service complaints
Both sources reflect issues related to account management and customer service. However, PissedConsumer reports more on Zelle-related issues and phone access problems, while the CFPB focuses on billing disputes and account closures.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Queens, New York
We had Capital One bank and a connected...
- Acct ending in 0166 closed; $8.31 refund 2025-06-15; Jan and Apr 2026 invoices for same amount; staff say Jan was error, correction needed.
We had Capital One bank and a connected Capital One credit card services over a year back.
The accounts were closed and we got a notification that services were cancelled. As there was an overpayment, we got a refund of $8.31 on June 15, 2025.
We however received an invoice on the closed account on January 10, 2026.
We called capital one on January 08, 2026 and spoke with [PERSON_NAME] who assured us that the invoice was in error and asked us to ignore it.
In April we received another invoice for the same sum, and when we called Capital One, their answering service told us that they dont know what to do. We are making a demand that they Capital One error be corrected and we should be notified of the same
Account ending in 0166
Preferred solution: Correct their error and notify me
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Tyler, Texas
My name is [PERSON_NAME], the...
- 2017 Kia Sportage, financed by Capital One Auto Finance, is paid; title form misplaced; requests Paid In Full Lien and duplicate title from Texas DMV.
![Capital One - My name is [PERSON_NAME], the...](https://cdn0.opinion-corp.com/review-media/pictures/2026/05/25/capital-one_my-name-is-person-name-the-202605257226649_f63b-gallery.png)
My name is [PERSON_NAME], the last 4-digits of my social security number is: 9519; and I had my 2017 KIA SPORTAGE financed by Capital One Auto Finance. I paid-off the vehicle, but, I misplaced my Title Form.
My account was: 620734****506. Please send me the Paid In Full Lien on my 2017 KIA SPORTAGE, VIN: [VEHICLE_IDENTIFICATION_NUMBER].
My Email is
[EMAIL_ADDRESS]; and my mailing address is: [STREET_ADDRESS][PERSON_NAME], and my contact phone number is: [PHONE_NUMBER]. Your cooperation in this matter will be appreciated, so I can get my Duplicate Title from Texas DMV.
Sincerely;
[PERSON_NAME]
Preferred solution: “PAID IN FULL LIEN ON 2017 KIA SPORTAGE.”
User's recommendation: Good Financing
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Long Beach, California
Racist lending company
- Capitol One started with a $500 limit in 2011 and never raised it.
- Reviewer accuses racial profiling; remaining accounts closed by certified letter.
Capitol One
The most racist credit lending company I have ever dealt with. I applied for a credit card back in 2011 they gave me a $500 limit.
I never got more than that. I applied to a T Mobile card years later with 810 credit score and the bank they are racially profiling me because of my name even denied any credit line increases.
Today they sent me a certified letter closing my other 3 accounts good riddance! The company is from [GEOGRAPHIC_DATA] the racist south
- Credit card
- No credit card for t mobile bill pay
Preferred solution: Apology
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Tampa, Florida
Disgusting customer service with travel portal
I contacted customer service and they were rude and totally unhelpful. They refused to help us on our honeymoon.
Also, there was never any problem with the reservation for the hotel to begin with and all this was for nothing. Horrible treatment.
Less than 24 hours' notice. Since he can't call U.S. 800 numbers from [GEOGRAPHIC_DATA], he called me and we contacted Capital One together on speakerphone. Even though my son was actively participating in the call, the agent refused to verify the account because he wasn't speaking directly into the phone the entire time.
No flexibility, no understanding of the situation. We asked for a supervisor and were initially told no. After hanging up and calling back, another representative suddenly had no problem escalating the call. Unfortunately, the supervisor, [PERSON_NAME], was no help either.
The only options offered were a refund or a $40 credit for a ruined 4-night honeymoon hotel stay in [GEOGRAPHIC_DATA] along with being downgraded to a tiny room. My son even asked to be rebooked into another hotel listed on the Capital One Travel portal and was simply told no. What made this worse was the attitude: dismissive, impatient, and completely lacking empathy. The most frustrating part?
When they contacted the hotel directly, the hotel staff said there was never actually a problem with the reservation in the first place. Capital One created the issue. Meanwhile, the hotel staff in [GEOGRAPHIC_DATA] treated my son and daughter-in-law with far more kindness and professionalism than Capital One ever did, even upgrading their room out of pure courtesy. That level of customer care stood in [PERSON_NAME] contrast to Capital One's response.
After this experience, both my son and I are closing our accounts. A travel company that leaves customers stranded during something as important as a honeymoon and responds with indifference doesn't deserve our business.
- Indifference to customers
Preferred solution: Apology
User's recommendation: Avoid Capital One, they don’t care
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerRefusal to reimburse refund
- Company refuses prorated refund for a canceled used car warranty.
- Refund overdue after 2.5+ months; attempts to contact have failed.
This company is refusing to pay me the prorated amount due for the cancellation of a used car additional warranty that was paid off early. I've tried to call, email, and chat bot without reaching someone who will actually give me some legitimate answers.
It's been well over 2 1/2 months since my car was paid off, and the warranty refund is still outstanding and due.
I've filed complaints with the BBB and CFPB, and they still haven't responded. I'm running out of options.
- Quick to offer warranty coverage at very steep price
- If you pay your car early
- Forget about the warranty and gap refunds as they will take their time and pay games with youyou
Preferred solution: Full refund
User's recommendation: DO NOT DO BUSINESS WITH CAPITAL ONE AUTO FINANCE in specific never buy additional WARRANTY for a car they are financing you.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDidn’t get any kind of resolution
I called in to verify a suspicious charge and I was given the run around not my department. Im not happy with the service!!!
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
London, England
Live people to people not available
- I filled an application thinking it verified online shopping eligibility and was accepted.
- No unsubscribe or phone contact is available.
I accidentally filled in an application believing it was to verify my eligibility for on line shopping. Once [PERSON_NAME] realised my error I had already been accepted and I have had to jump through hoops to even get to this unsatisfactory position.
All I wanted was to find an unsubscribe button or to have a phone contact so I could speak to someone. YOU SEEM TO HAVE NEITHER!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Atlanta, Georgia
I fell on hard times after having my...
- Fell behind on payments after having my daughter; late fees accrued; Lloyd & McDaniel contacted me about payments; I need guidance to start a plan.
I fell on hard times after having my daughter and unfortunately got behind on my payments. My mental health was not great at the time, and I honestly just gave up paying it with the late fees and how far behind I was.
I'm still not doing great, but better than I was, and I've been trying to get information from a company called [PERSON_NAME] & [PERSON_NAME] that reached out to me regarding payments. I've asked them multiple times to verify whether they are authorized to start taking payments on the accounts and keep getting the same generic responses.
Can you please point me in the right direction of where I can start setting up a payment plan or what to do? I appreciate your help.
User's recommendation: I’ve been trying to get this resolved since April 5th 2026.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThey lower your credit card amount! No Warning!
- Chase reduced limits twice: 50K+ to 30K, then to 15K.
- Bank of America restored the limit after one call.
- Cardholder pays in full monthly; score 835.
This has happened to me a few times. Two with Chase Bank and once with Bank of America.
One call to Bank of America and they changed it back. With Chase both times, they said they sent the letter USPS, but I never received it. I did get an email telling me it was lowered but refused to put it back like a good company. It was originally 50K or more, and the first time they lowered it to 30K and recently again to 15K.
I pay my credit cards in full each month and am never late.
My credit score is about 835. I guess they want it to be 850?
- Lower your credit limit without informing you
Preferred solution: put it back the way it was or loose my business and the CD I opened a while back for 70k when I can go to another bank that pays a higher interest rate. I have 4 banks I have been using for CD s
User's recommendation: Find a bank that has to notify you of this possible change and that they not only sent you a USPS letter but "You" verified in some way. WHy do they say they sent a USPS letter to notify you it will be changing and one it is changed they send an email? I just noticed two of them do it this way. Mail can be lost and some may not look at regular mail thinking it is junk mail so to speak. I think this should be stopped and the banking commission should be involved
Washington, District Of Columbia
Solicite una tarjeta de crédito....
Solicite una tarjeta de crédito. Aprobado un mes Datos #c.6528 con el código 071670.
El mensaje de texto 2672.
La fecha de llegada era el 23 [PERSON_NAME] de 2026 Si no pueden encontrar mii información por favor de cancelar la aplicación y la solicitud de tarjeta platinum # 6528. Gracias.
Bethesda, Maryland
Credit card
The issue involved a credit card being turned down but Capital One resolved the issue over the phone
User's recommendation: good communication
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerLowered my credit limit without informing me of when or why
- Wants the terms restored and a CD opened for 70k.
- Plans to switch banks for higher rates; 250k gov guarantee used.
Put it back the way it was or lose my business and the CD I opened a while back for 70k when I can go to another bank that pays a higher interest rate. I have 4 banks I have been using for CDs, but I guess I will need a new one since you were the 5th because I used up the 250,000 government guarantee with the others.
You should have to notify people you plan to lower their credit limit and have a signature or voice recording like you do with other information. This is total BS.
- Do what they want without having to verify it with you before
Preferred solution: put it back the way it was or loose my business and the CD I opened a while back for 70k when I can go to another bank that pays a higher interest rate.
User's recommendation: Find one that will notify you that they intend to lower your credit limit and get proof either in writing or verbally
Las Vegas, Nevada
Bad Customer service
After being a Capitol One Platinum Card Holder for the past 18 years, now they treat me like dirt..never missed a payment or anything. I,m a College Grad.
With a very high credit Score. Beware of Capitol One...Choose a better Card/Company
User's recommendation: Beware of Capitol One
Minneapolis, Minnesota
Debt Card is now Discover
- CapOne switched to Discover; few places accept it.
- An international hotel and Amazon won't accept Discover; paying bills also fails.
As a [PERSON_NAME] customer I am pissed that you changed the debt cards to discover. No one takes this card.
I went on vacation (international) and the hotel didn't take Discover. I had another card luckily, but this is ridiculous.
Every time I try using the card on Amazon, it will not go through. I tried to pay a bill and couldn't because it did not take the card.
User's recommendation: Change back to Visa or MC. This is not working currently.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Port Townsend, Washington
I wanted nothing to do with Capital One
- Discover card was moved to Capital One without explanation.
- I want to keep Discover as it was.
- I'm moving purchases to my Alaska Airlines card.
Suddenly, a few months ago, I was notified that my Discover Card account would be taken over by Capital One. Why?
I have no idea. If I wanted a Capital One account, I would have opened one. What I wanted was to keep my Discover Card as it was. My husband still has a Discover Card account.
What is the reason for one of us to be forced off and not the other? Not well done, Capital One! Not well done at all.
I am now moving many of my purchases to my Alaska Airlines card, away from Discover Card. It may not make a difference to the big banks, but it makes me feel as if I have some control.
User's recommendation: Stay away from Capital One
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Toms River, New Jersey
You have got to be kidding me
- Card locked after sign-ins; I doubt it.
- License and utility bill accepted on 5th upload.
- Now a call with the utility to verify a 10-year address.
My card was locked due to 'too many invalid sign-ins.' I doubt that happened. I was instructed to upload a copy of my license and utility bill.
It was finally accepted on the 5th upload. Now they want to have a conference call with the utility company to verify my 10-year address. The email was sent to my email address. When I call, it recognizes my phone number is linked to the account.
Two weeks of phone tag. I have an 831 credit score; I am done. Keep your card.
I thought about a car loan. What a nightmare that would have been.
- Card is pretty
- Everything else
User's recommendation: Look elsewhere
About
, , , ,
Capital One Financial Corporation is a bank holding company headquartered in Virginia. It provides various kinds of financial services: banking, home loans, auto loans, issues credit cards (to the predatory individuals as well) and specialize in different savings products. Capital One is the winner of the Warton Infosys Business Transformation Rewards. It has one of the best innovative credit card products strategies in the US. Capital One Bank was created in 2006 after the acquisition of North Fork Bank by the corporation. Capital One is a sponsor of some football teams. The company is also represented in the UK, Canada and Spain.
Capital One is ranked 274 out of 1708 in Banks category
USA, Worldwide, Canada, Asia
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First of all, this isn't Capital One. Secondly, there's no need to pad your complaint with irrelevant facts about hard times or anything else. Finally, you were sent to a collection agency that you should be reaching out to right now before they escalate on you.