Capital One Canada Bewertungen 

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.

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.

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

la pire compagnie je nest jamais recu la carte de credit wet je les apelle pour annulé car j ai recu un alert de equifax et je les apelles et elle ma dit que il a un compte mais la carte est pas activer pourquoi qui a un alert a équifax et eux me dise qui font fermer le compte . comment peut ont ouvrir un compte sans qui sont activer la carte !!!! la pire compagnie . ce n est pas une personne qui est a écoute des personnes elle veux rien savoir et elle te coupe . mais une chance elle me confirme que la carte a pas été activer . et en plus je l'est jamais recu.

If Capital One is known for excellent service, it is because of people like Aziz.

He 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!

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.

Ils appellent quatre fois par jour, cinq fois semaine, du matin au soir, pour un retard de dix dollars sur ma carte de crédit, alors que j'ai perdu mon emploi et que je n'ai aucun salaire pour le moment. Si je me réfère à la définition du mot harcèlement ; "comportement répété, hostile ou non désiré, qui porte atteinte à la dignité et à l'intégrité d'une personne, altérant ses conditions et pouvant nuire à sa santé physique ou mentale", je crois que c'est exactement ce que je subie de la part de Capitale one.

*UPDATE* Oct 18: So through no fault of Canada Post, I haven't received my new card, because the agent I spoke to NEVER SENT IT. I'm highly disappointed, beyond words. After calling today I was assured it is being sent by courier. This has been quite a frustrating experience.

October 15: I've had really positive experiences with Capital One, OTHER THAN when my card recently compromised, my new card was sent by "rush processing" while Canada Post was on strike... So over 2 weeks later I'm still waiting for my card... it should have only taken 3 to 5 days. Please send cards with an alternative service when the postal service is on strike?

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

I had a reservation at Samesun Vancouver Hotel. My plans changed so I called to cancel my reservation and I followed up with an email. Still my Capital One Card was charged. I immediately called the Samesun and they refunded me 5 minutes later. I called Capital One and they said it would take 5 days before I would be refunded. What financial companies do is hold onto your monies and collect interest on all the payments and refunds they are holding. That is how they make money and it is really wrong. They inconvenience me, when Samesun Hotels immediately refunded me, and Capital One pretended that there had to be a 5 day delay. They also hold payments for 3 business days before applying them to the credit card, also for the same reason, to collect interest on bulk payments before applying them to individual accounts. The payments could be applied immediately but then they could not collect the interest and make more money for themselves. Really unscrupulous business. I would highly recommend staying away from Capital One all together.

They are the worst. I accidentally sent my money for the deposit instead of spending. It took so long to straighten out, I got frustrated and told them cancel my card. It’s been 6 months and I’m still waiting for my 1200$ back. DO NOT DEAL WITH THEM!!!!!

If I could give negative stars I would. It takes 1 click on their end to have your account accidentally deleted then when you immediately try to fix it there's nothing they can do except ask for another $300 from you and openly laugh at you on the phone.

I tried to rebuild my credit after Buy well and Credit Karma recommended them so I had faith and it was a very poor call. They laughed at me openly upset when they said it'd take me 6 months to get my money back.

Being charge annual fees on a card that was and still is advertised at 0$ annual fee. SCAM !!!!!!!!!!

Payment due date and credit card paid in full bank only posted the day after and Captial One hits you with $189 interest charge to a loyal customer for 20 years and no late payments always paying complete balance.

Very scammy company. I made payments on time &Y recently paid off my card & closed the account. 3 weeks later they charged me interest telling me it's residual interest. How is there residual interest when its had a zero balance for 3 WEEKS!! On top of that, they take a $75 security balance when you open the card. Now that the account is closed, it takes 5 MONTHS to get your deposit back. They can charge interest overnight, take your payment in a day or two but when it comes to a refund, it takes almost 1/2 a year. The people on the phone are completely useless, can't explain anything. Go to about any other credit card company that them. The absolute worst, scammers.

I have used since 2015,when resolving a bankruptcy.
It all went well.I now have a credit rating of 720.
I have used their dispute system a few times.In general they all went and relatively painless
As for others experience,I find conversing by phone,be polite,do not blame ,rant a bit but not negatively…thank you for the good service

If i could rate it 00000 i would!! This is the worst, they let you apply and deposit money on it and use your own money too 🤷‍♀️ i requested to close it and want my $300 back that i deposited on it, 1st agent said, wait for 2 weeks for the refund cheque, it’s been more than 4 weeks and never receive it. I called again and 2nd agent said, i should wait for 150 business days 😤 wth, that is my own money and i’ll wait that long? HORRIBLE AND ANNOYING CAPITAL ONE!!!!

On June 15, 2024 I made my last charge on my Capital One account to Wayfair Canada for a new fan. On June 19, 2024, I received a SECURITY EMAIL from Capital One stating that a FRAUDULENT CHARGE OF $19.00 was put on my card by a company called Shipment Free.
I called a representative and told them that I had not approved this charge. They said they would cancel my card and issue a new one. I have been waiting ever since, today being July 12, 2025.
I emailed Mr. Richard Fairbank, CEO, Capital One USA, a billionaire on July 28, 2024 and never received a reply. I also sent a copy of this email to Capital One
Scarborough and did receive a reply on November 4, 2024 saying they were investigating the inquiry that I had emailed.
I also sent a copy of all my documents by registered mail on August 31 2024 to Asa Harrington, President of Capital One Canada and RECEIVED NO RESPONSE BY ANYONE IN THE OFFICE !!!
My partner of 44 years passed away in April 2023 and he was the primary cardholder. I was the secondary cardholder, using my card 95% of the time over the last 15 years. We always payed much more than the minimum payment and never missed a payment. Since March, 2023 I have paid $9650.00 on my credit card.
My card has been paid completely off since November 15, 2024.
I GUESS THIS IS HOW CAPITAL ONE CANADA AND THE USA TREAT THEIR EXCELLENT CUSTOMERS ????????
CAPITAL ONE IS A LOOSER AND NEVER GET ONE OF THEIR CREDIT CARDS !!!!!
George Cornthwaite

Too bad I couldn’t do negative stars, absolutely the worst company to deal with. Paid almost a $7000 bill to close the account and the agents said everything is paid and no more charges will be in the account and it will be closed, well I looked the following week while waiting for my closure letter there was an interest charge of $100. Not one of the agents that I have delt with has any clue as to what is going on and how to deal with things. Called back and had a screaming match with some guy and finally got that delt with. I will never ever get another credit card from this company.

TRASH Company! I sent $300 for my first credit card and without notice and being embarrassed trying to make a purchase. They cancelled my card, they say a business decision, which makes no damn sense as I paid for said card. Now I have to wait a month or 2 for my $300 back. They seem like they are worst then the scammers that call me as I thought they were reputable but I realize they are trash. PLEASE NOTE: I NEVER EVEN USED THE CARD!!!!