capitalone.ca

1.2
1.2 Based on 201 reviews

Share, discuss, or get info. Whatever you need, we’re here to help you succeed. Just DM us 8AM-9PM Mon-Fri & 10AM-6PM Sat-Sun ET. En français @CapitalOneFR...

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Average Rating

1.2

/
5

201 Reviews

5 Star
4%
4 Star
0%
3 Star
2%
2 Star
2%
1 Star
92%

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Jaret Flannigan
5 years with my card, haven't missed or been late with a single payment. They sent me a statement as

5 years with my card, haven't missed or been late with a single payment. They sent me a statement as they do every month, minimum payment was $42.00, I made the payment, 1 week early.
Went to use my card (which showed over $2000 free online) for a $70 bill at a restaurant, declined.
Called support, they froze my account because my minimum payment was missed by $9 dollars, and not correctly listed on my paper statement. I sent them the pic of the statement to prove it. They did nothing. Paying this card off immediately and closing it. Absolutely ridiculous. 0/10 on their support too, the guy I spoke to was incredibly rude, not to mention useless.

1
Date of experience: Feb 28, 2026
Jaret Flannigan
Insane Situation!!

5 years with my card, haven't missed or been late with a single payment. They sent me a statement as they do every month, minimum payment was $42.00, I made the payment, 1 week early. Went to use my card (which showed over $2000 free online) for a $70 bill at a restaurant, declined.Called support, they froze my account because my minimum payment was missed by $9 dollars, and not correctly listed on my paper statement. I sent them the pic of the statement to prove it. They did nothing. Paying this card off immediately and closing it. Absolutely ridiculous. 0/10 on their support too, the guy I spoke to was incredibly rude, not to mention useless.

1
Date of experience: Feb 28, 2026
Dave
Horrible process

I used my card at a bank machine that didn't work so I tried at the same machine again. Capital one flagged my card. I was told to send in ID verification through their portal and told it would take 24hrs to verify the ID I used to intially used to qualify to get the Capital one card. Then after the 24 hrs was I up I get a call telling me they need to verify my mailing address, proof of income and tax return so I submitted the what was requested then told I had to wait 3 to 5 business days for a response. My point is that if you are ever in an emergency or a foreign place don't ever ever depend on Capital one because you may be away from home and can't get food to eat or a hotel room or a cab. Disgusting.

1
Date of experience: Jan 20, 2026
Ainsley Sheppard
Utterly Useless

Useless credit card company. DON'T BOTHER. Impossible to get help if you need or if you do get helped be prepared to spend hours of the phone with people who don't speak english very well.

1
Date of experience: Jan 20, 2026
Mutasem Abu Zeid
TRASH Company

TRASH Company! I was sent an email from Capital One offering a pre-approval for a $7,000 credit card with a soft credit check. Based on that, I applied, expecting the advertised terms. Instead, I was offered a $300 secured card, and a hard credit check was performed without my consent.This feels misleading and like a bait-and-switch tactic. Marketing suggested one product and credit pull, but the reality was very different. Be cautious if you receive pre-approval emails — the final offer may not match what is advertised, and it can impact your credit score.

1
Date of experience: Dec 20, 2025
Biz Nunya
They ask for a yearly membership fee and steal it if you don't use your card every single month

I (Lexi Place) paid this company $300 in security funds for a credit card (so basically not a credit card as I was only using my own $300 that I had originally sent them) and then was charged an additional $60 on top of it for a *yearly* membership. I used the card a few times and then lost it. I started paying it off a month or so later and then I started getting returned checks, from the payments that I was making. So I called, as I wanted a new credit card anyway, so I could start using it again. Doesn't the Capital One representative tell me that my account has been closed due to inactivity which is why my payments were being returned. I didn't know I was obligated to use my card every month? It had an outstanding balance however, it was my own money anyway, and I had all intentions of paying it off so that I can still use the card... I paid for a yearly membership so I thought I would at least get a year out of my $60 investment. Apparently not. Do not use this company. What a complete scam. I am now out $75, out of all of the money that I had sent them, $75 of that, was not returned, and I don't have a credit card to use, and my $60 payment for a yearly membership has just been forfeited?? I mean, if they really wanted the $10 minimum payment that bad, don't you think they would call me or email me or something? It seems more likely that this card is a scam and they are just doing it because the $60 is worth more than the $10 minimum payment. It's not like they were out any money, I paid a security deposit so I was only using my own money for that credit card... STAY FAR AWAY FROM THIS COMPANY. In the end, I was hung up on, which is wild to me because I was quite calm considering the circumstances. I guess the guy didn't like why I was questioning where the $75 payment went. He kept telling me that it takes 150 days to return the funds. Funny how it takes 150 days for them to send me my money but, they will shut my account down if I don't use the card for a month??? I'm so lost on how they're able to shut people's accounts down for inactivity, when the money being used was not even theirs to begin with

1
Date of experience: Dec 20, 2025
Zdravko Jovanovic
Amazing experience! 🤩

If Capital One is known for excellent service, it is because of people like Aziz. mHe exemplifies what customer care should be.I recently encountered multiple fraudulent charges on my Capital One credit card, an experience that is understandably stressful. From the outset of the call, Aziz brought clarity and calm to the situation. He was attentive, empathetic, and exceptionally knowledgeable, guiding me through each step with precision and care. His explanations were clear, his responses thoughtful, and his manner consistently reassuring. At no point did I feel rushed or dismissed. I felt heard, supported, and protected! There are no adjectives sufficient to describe him. I can only say that I am in awe! 🤩🤩The level of problem-solving Aziz demonstrated, particularly when entrusted with matters involving people’s finances, is not something that can be faked, learned mechanically, mimicked, or emulated. Like a truly great voice, this ability is innate. It reflects sound judgment, emotional intelligence, and a deep sense of responsibility that cannot be manufactured.Thank you, Capital One, and especially thank you, Aziz! This was, without question, the best customer service experience I have ever had! I cannot recommend Capital One enough! Spectacular!

5
Date of experience: Dec 12, 2025
Christian Sauriol
Online fraud

Second time in the last 45 days I got scammed while doing an online purchase. The first one was for an app allowing to retrace a cell phone to the exact location for like an amount around $9 for a one time fee. They charged me various $ on a 3-4 days period without authorization. Secondly, bought a $149 bone conduction headphones but I received a $40 pair. Fake email for customer service. Capital One credited my card very very rapidly in those 2 instances. Awesome customer services. Christian Sauriol

5
Date of experience: Dec 09, 2025
Lee Snihur
Absolutely terrible customer support

Absolutely terrible customer support. I received my card about a month ago and I haven't been able to access my online account with it throwing an error. When I called them the first time they didn't listen to what I was saying and just said to follow a link to sign up (Which I already did!) I got mad and hung up. Now months later I tried to access my account again and same thing happened. I called them and she tried to send me the same link again. I got irritated and explained to her again saying I already did that and she put me on hold to talk to someone about it. When she got back on the phone she basically brushed me off and told me to call back tomorrow!!! I paid for this credit card to rebuild my credit and they took my money and now are just giving me the run around. Time to take my business elsewhere.

1
Date of experience: Nov 19, 2025
Robert Tsumura
worst credit ever

worst credit ever. My card was compromised and the customer service was terrible - never again

1
Date of experience: Oct 06, 2025

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  • Share, discuss, or get info. Whatever you need, we’re here to help you succeed. Just DM us 8AM-9PM Mon-Fri & 10AM-6PM Sat-Sun ET. En français @CapitalOneFR

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