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MyBankTracker rated Capital One based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B+

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Capital One Customer Review

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Tony77's Profile Image

1 out of 5 marks

Reviewed by Tony77

May 15th 2012

Worst Bank Ever. Save Yourselves The Misery And Please Dont Give Them Any Business

I have had a credit card account with capital one for over 3 years now. First-off, they started my account with one-fifth (that's right, literally one-fifth) the credit limit that other reputable banks were offering. None the less, i thought it would be nice to try and support a lean e-commerce organization (i'm an it nerd and yes these things weigh in my decision-making) and that i could build my history with them and they would then be willing to provide me with a more normal credit line. Anyways, i literally curse the day i thought it would be a good idea to get a capital one card. Over the past 3 years i have faced the following issues -

1) they would not increase my credit limit despite repeated phone and online requests and despite holding my account in immaculate condition

2) my account gets hacked on a quarterly basis and i have to sit undoing the charges by filing disputes and doing the needful paperwork

here's the last straw that broke the camel's back - in jan 2012 my account again got hacked. I got tired of dealing with them and requested that my account be closed. I was assured by their dispute officer that not only has the dispute been settled but they will close my account completely. In the following month all my regular vendors were able to ding that very same credit card despite it being "closed". Since it was closed, i did not bother checking until i got a late payment email from capital one. After over 22 hours of phone follow-up trying to make them understand that i was not liable for making payments that occured wholly due to miscommunication on their part i finally had to anyways pay the entire amount. My lesson learnt - never again deal with a non brick & mortar company. I wanted to share this experience with everybody out there. Even if it deters one person from giving these scumbags business i will think i made a difference in making the world a better place..

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Other Capital One Reviews

welcomehome777's Profile Image

Reviewed by welcomehome777

May 4th 2015

2 out of 5 marks

RUDE!!!

I dont really write reviews but after my last experience I just had to. I have been a capital one customer for about 6 months now. I have had to deal with their customer service only twice during this time. The first time was due to being unable to log on to my online account. I called and the rep was actually very nice, polite, and helpful. He had me up and running in 5 minutes or so. Due to this first pleasant experience I will give them 2 stars. But just recently I received a letter in the mail stating that there may be some fraudulent activity on my credit card. So of course I give them a call. After being transferred about 3 times and waiting on hold for 20 minutes I eventually found myself speaking with one of the most RUDE customer service reps I have ever dealt with. His mic made him very difficult to hear, almost as if he was calling from a cell phone. Did I mention he blamed me for the poor reception even though I was calling from a home phone. He would eventually be so rude during the account verification process that I had to ask him "ARE YOU SERIOUS". As I said before, I did receive a very polite and helpful rep the first time I dealt with their customer service. So it may just be who you talk to. But I will say that if I am deal with another rep with this sort of attitude, I will be taking my business somewhere else.

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francovd's Profile Image

Reviewed by francovd

Feb 23rd 2015

5 out of 5 marks

Great Customer Service

I had an issue with a transaction after ordering an item online. Carissa was very helpful with solving my issue. She stayed on the line with me for over an hour and went above and beyond with a three-way call with the company I ordered an item from. She assisted me with a conflict I had while on the three-way call. Carissa was very polite and helpful. I cannot thank her enough for helping me.

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