Capital One Canada Bewertungen 

I've had excellent credit for over 35 years. Switched to Capital One because I heard their cash back rebates are one of the best with no annual fee. Used this card for over 5 years, no issues. All of a sudden they freeze my card, tell me I need to provide them with a physical address before they will unlock the card. After being on hold for over an hour, I give them my rural address. A month later, same thing. After being on hold for over an hour, I give them the same rural address. The third time this happened, I cancelled the card and asked for my refund on this card (stupid me over-paid the last bill). They told me they couldn't refund me until I updated my physical address. I told them they don't need my physical address as they have my mailing address. Finally I conceded and have been waiting for my refund ever since. First time they said they have to "hold" my money for 3 months. After 3 months, they said my cheque got returned and they'll have to re-issue me a refund. It's been close to 6 months now and I'm still waiting.

No rewards at all.
I never received any rewards and when contacting Capital One customer service they told me they sent me the over $700 reward in regular mail (no tracking info) which I never received. They refuse to send a new cheque and told me to cancel the card if I don't like their answer!!! Paying this card off and happily will find a new company. This is fraud in my opinion.
Update...Cancelled card and when I called to cancel they asked for what reason so I and them due to fraud and horrible customer service I received. They said "O, thank you for being a loyal customer, your account is now closed, goodbye". Stay far away from Capital One, they just lost the Costco contract as well.

My experience on Capital One customer service

Step 1: Contact our Customer Service team.
Step 1: Contact our Customer Service team.
Step 1: Contact our Customer Service team.
Step 1: Contact our Customer Service team.
Don’t worry about the rest step, because well trained customer service team will keep tell you:
You have to pay even we all know it is a scram, but as long as scammers have your information, we will charged to your new unexposed capital one credit car.
Also forget the rest complain process, because nobody can get their contact information from us, unless you are scammers.
Step 2: Speak with our Executive Response Committee.
Step 3: Contact the Office of the Capital One Ombudsman.
Step 4: Contact the Ombudsman for Banking Services and Investments (OBSI).

This is 100% the worse Company to deal with!!! We opted for a reloadable card when we do internet business. Twice we had to go to the Post Office to verify ourselves with ID. Because Cap One said they never got the verified form the first time. This whole process took many months and still no card. But, I get statements. So I told these jokers wherever country their call center is ??? to send a new card or cancel. So I called them back for the 10th time. They said No problem will send you a new card if the Post Office does not have it. I called all the PO's near me. The post office doesn't have and now Cap One said the card was canceled. Call Center said we can reactivate when they send me a new card. Not True. Now we are told once it's canceled we cannot reissue. It's been 5 mths. NO card NO money. Scam!!!!!! This process started in April. It is now August and Capital One says a check will be issued. 100% DO NOT DEAL WITH THEM OR GIVE THEM ANY MONEY IN ADVANCE. THEY WILL HOLD IT RANSOM!!!!!!!

Try to get basic online info? I called different days . I try chat feature? Nope luck. Been hacked - my only credit card that has been hacked. Wasted hours of my time. ant use Apple Pay like every other card

STAY AWAY FROM THIS COMPANY VERY POOR CUSTOMER SERVICE.I had this credit card for 22 years. I was able to log into online banking one day, then next day it stated it could not find me. After dealing with their reps for 2 weeks still could not access online banking. The rep made me feel like I did not know how to spell my last name, my date of birth, phone number and postal code. Had to repeat myself 5 times to cancel the card, which I told her that I was cutting it up as we speak, she still insisted that I try and enter the information again. If I cannot access my information I definitely do not want a credit card which I cannot access my account online to view transactions. I guess sending customer service out of the country is cheaper for Capital One but like they say," YOU GET WHAT YOU PAY FOR". CHEAPER WAGES POORER CUSTOMER SERVICE. BRING YOUR CUSTOMER SERVICE BACK TO CANADA WE HAVE ALOT OF PEOPLE HERE OUT OF WORK.

I have had credit cards for over 50 years and have an excellent credit rating. I have a $10,000 limit on another MasterCard and have never had a problem. Until the Capital One card. Terrible policies, terrible customer service.
The full balance of the card is paid off automatically every month and yet they deemed necessary to charge us a $29.00 fee for being over limit. No idea how much over the limit we were, or even why the transaction would have been approved if that was the case. But apparently we were over on the 29th of the month and our payment for the full balance is processed on the 30th.
In speaking with "Customer Service", I guess we're supposed to check our balance online every day before using the card. What a joke.
Just cancelled the card. NEVER again would I get ANY service from Capital One.
p.s. just found out Costco is terminating their relationship with Capital One the end of 2021. The Bay already did. Hmmm, wonder why?

NEVER, NEVER, NEVER TAKE A CASH ADVANCE! Unless you pay off the FULL BALANCE and NOT use the card for minimum 2 months after paying it FULLY OFF! The interest will continue for thr duration of your term, or as long as you use their card! I took a cash advance in February 2019 and am still paying 7+ dollars a month on that $500 and I've NEVER missed a payment and usually place $400 a month for payment when minimum payments are usually $120.
BE WARNED!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Apparently this is the superfine print portion of your agreement!

Terrible service, froze my account without notification. After being with them for over a decade the security team demanded I submit Government ID over an annual subscription to Wyze cameras, they deemed it a 'high risk' transaction?????????

I would not use this company they tell u they can’t find the right paperwork then call you back saying they found it and then tell u o w thing and u get off the phone with them and goes ahead and screws u over stay away from this lying company

Is there a way to rank this credit card MINUS 5 ?
I have the same experience where I paid off the Capital One credit card and 2 months later I received a notice from them saying I owed them money still. There is no statement attached. My online account is not accessible either. If I still had outstanding balance why they closed my account where I can see the outstanding items???
Now I received 2 calls from collection agency everyday. I called back at beginning and was put on hold forever. I contacted the Capital One through online chat only to be told they are not responsible for that part. The only way is to call.
I called both phone numbers on their mail notice and what they called me from. No luck of being put through. I blocked their phone number now and decide to spend my time on spreading my experiences with them and report them on every public channels I have.

I had a Mastercard with them for a while. I then got another Mastercard through my credit union with better interest and whatnot, it was just a better card all around. I paid off the Capital One completely and then cancelled it. I even cut up the card and threw it away. About two months later, I start getting phone calls from Capital One asking me to pay for the purchases I made with my card. I said, no, I paid it off and cancelled it. They said no, I still had an account and made purchases. I told them that was impossible and to please send me a statement showing me what I had purchased. I asked it to be emailed to me and they told me that they only send by mail. I said then please send it by mail. Nothing ever came. I called them to make sure they had the right address and everything and they did. I kept getting calls asking for payment. I kept asking for statements, which they said they would send. Again, never received. This has been going on for two years now. They finally sent my account to a collection agency to get the payment. I talked to the collection agency and asked them for the statement. They said I had to ask Capital One. I called Capital One a few times because they just kept transferring me to the collection agency. I'd say I need a statement, they'd say sure, put me on hold, and then it would be the collection agency that answered the phone. It's absolutely insane and I have no idea how they get away with this.

Customer service is very bad .
problems with receiving statements.
escalations not dealt with .
Very unprofessional.
Owed money for over payment, did not receive it.
People working from home and you can hear dogs barking kids crying.
On going issues.
not resolved for months.

Don't use this horrible company. No rewards at all for secured. They market it as credit rebuilding. That's laughable. They do nothing to help. Just another heartless company with there hand in my pocket. No email address. Live chat barely ever works. They hit me with interest. Unscheduled. It took my balance .09 cents over limit. They charge me fee for it. And interest on that. Criminals. Don't do it. It will hurt your credit and give 0 back in return. No customer service. Shouldn't even be in business. Predators I DO NOT recommend

I have very bad experience about customer service. Unprofessional people doing the customer service. To fixed something I have to call three time still I don't know it fixed or not. Two times it said it will show your next bill. Third time I call customer service person name Carlos said I don't
have any record.

"WHEN speaking with our Customer Service team and they are unable to resolve your inquiry or concern to your satisfaction, you can ask to speak to an Account Supervisor." this is all BS they don't care if they loose your business. after more than a decade of superior credit payment (never missed and always paid ahead of time)with them they
*REMOVED my my agreed upon "anniversary credit of 10,000 points
*REMOVED/REDUCED my rewards on purchases
*RETAINED their loan shark interest rates.
AND then tried to justify my annual membership FEE as being done to provide me with great service. Are they really serious or just stupid !!!
Then expected me to stay with them because ...WHY??

Stay well away from this predatory company. I had to report them for mishandling my account, I was only with them two years too. They did numerous things wrong. They are not a safe company at all and you are better off not having a credit card then all the trouble they will bring you. I wont allow my wife or kids to get a card with them now.

I got Capital One card to improve my credit. They gave me a much higher limit than I originally expected. When my credit improved I got another credit card but I also got a new cap1 cashback card to show my loyalty. I now have 4 credit cards, 3 lines of credit, an RRSP line of credit, and a mortgage all thanks to imptoving my credit with cap1. I'm sorry that most of you have had bad a with them. The key is put your Netflix on it and nothing else and have it autopsy from your bank account. Make sure any collections are paid in full and watch your credit improve. Cap1 provides you free TransUnion and you can get your Equifax from borrowell.ca

If I could give this company zero stars I would. The customer service is horrible. They put holds on funds when you pay your card with no clear explanation.

AVOID DO NOT GET IN WITH THIS COMPANY IT WILL F YOU!!
I had a card with capital one after having to report them to BBB to actually receive the card. Everything was great until I fell into some hard ship due to Covid and I couldn’t pay the whole balance as I originally planned on doing I went into their Covid program once that ended I did my best and paid 100$ off then Covid lockdown again and I once again was left with no money! Well the whole time I was trying to get something together I spoke with the collection reps from capital one they promised my account remained open and if I paid in full instead of payments it would be open and usable again after payment! Well that was obviously a lie cause here I am writing this after reporting them for the second time to BBB because they closed my account hours after receiving payment!!! Even though they even sent a letter dated the same week about how my account would be changing in April 2021 regarding how interest was placed on the card.