Capital One Canada Recenzje 

I applied for a Capital One Mastercard.
I got approved with $300 limit No security deposit. This was credit rebuilding for me. Six months later some jerk patient stole my purse out of my desk, that also contained my vehicle keys. Customer Service was absolutely awesome helping me track the places it was used and cancelling all the charges that were not mine. Issued me a new card promptly.
It has now been two years and I got an email to up to Up my limit “You have earned it” I chose to phone in an accept. (Don’t want the app, too many things in terms and conditions that are out of Capital One’s hands.) Quick, easy and secure by phone. How great it felt to read those words “You earned It”.
Later in years I may apply for a Visa. That said I will never give up this credit card up. They believed in me when others would not.
Customer Service is Superb.
Make your payments on time (even if only the minimum) pay it off on your payday and you will see your credit score go up each month.
First six months is crucial to making payments on time, it’s in the agreement and there will be No problems whatsoever.
Love this Credit Card Company.

Not sure how this company justifies 29.9% interest rate and no willingness to work with the customer on options.

Capital one has the worst customer service in the world. They just try to run you in circles till you give up . If at all possible don't ever use capital one

Absolutely worst credit card company to deal with ever you give them a deposit you close the account they run around and don’t return your money for 3 to 4 months do not sign up with us credit card. I have signed up with two other companies. This company is horrible. Their stuff will tell you whatever nonsense they can to not have to pay you back the money they owe you for your deposit. Horrible company.

Cant even activate the card. website gives me error after error. tried by phone and the pin they sent 7 days after receiving card doesnt work. representative actually told me to flip it upside down and try again. still does not work. now i have to wait 10 days for another pin because they cant fix this on the phone. i have a new card but no use to me and because i applied all it did was hurt my credit score.

I had been a customer with Capital One for over 7 years. I had a cash back rewards card. I updated my address with them when I moved, then they locked my account so I called in and they said I needed to update my address so I did that over the phone with them. Then 2 months later my account was locked again so I called in and they said I needed to update my address. I refused to update it again since I had just done so twice in the last few months and told them it was unreasonable to need to update my address 3 times in less than 6 months. So they left my account frozen. I had not missed a full payment in over 4+ years and paid off my balance again even though my account was frozen. I hoped that bank would be interested in keeping me as a customer and would call to resolve the issue but no luck. Fast forward 6ish months I thought I'd call to get them to issue my cash back payment. When I called they said they had closed my account 2 months ago and that I had "forfeited" my cashback payment of $782. After much arguing they said it was bank policy to steal my accumulated cashback when they closed the account. So not only did they not want me as a customer they also stole nearly $800 from me. I will never deal with capital one again.

This is the most disorganized financial credit company i have ever encountered. customer complaints are handled by customer service people in every other country except Canada. paid off the account, destroyed the card and they still wanted $8.49 interest
They don't build credit- they destroy it!

I have been struggling paying my card off. I finally paid it off the day before the due day this month. And guess what!!! I got charge interest this month. Called customer service, she said because I didn’t make the whole amount minimum payment for June. Then why didn’t they charge me whatever necessary in July. Now is November after I pay off my card, then they charge me. And I’m sure this is not from June because it’s cash advance plus puchase interest which is not from miss minimum payment. She wants me to make a complaint. But for $40, it’s the principle I am mad at but not worth my time to go through the process of complaining. I prefer cancel the card. Credit card companies should know and I know they know that their profit income is coming from people like me who still want to pay off the card making minimum payment at least til capable, not from people who always able to pay their cards off or people who default.

I applied about a year and 6 months ago instantly got a card with no deposit required has been very useful to build credit as a newcomer to Canada, applied for a no annual fee card recently and got declined which sucks but I still enjoy the one I have and the app is good too in my opinion

Payed my security funds for a secured mastercard on Sept,30th,2022 and nearly a month later still haven't received my card! And dont bother calling Capital One Customer service. You will be connected with a representative in India that will speak english with such a heavy dialect that you will not understand a word they saying. Once I finally receive my card, I'm withdrawing the funds I placed on it and tossing the card in the trash where it belongs.

Don’t ever try to change your address with this company. I have been with them for years, never missed a payment, excellent credit. Changed my address to new address and both cards have now been restricted. Sent in photo ID, and they said it would take five days max to review. After two weeks, called in and they activated my cards… went to use my card: declined, called them back. Reactivated! 1 hour later got a call back from their security office (sounded like an ex cop who hasn’t lost the attitude yet) and got grilled in the tone of an interrogator! Eventually I told him just to cancel my account and send me a check for the many points I’d collected! “We can’t do that until you prove your new address)! The biggest frustration with this company is that in every email, they say that Customer satisfaction is priority for them! No, no it’s not. You become just another slave of Capital Zero when you do business with them!

Tried to get the 2 step verification code turned off as it's only me that uses my phone and I use my fingerprint to access the account, only to be told that's not an option. Then was told it only comes up of there is something different like location, device, etc. Explained all this was the same and capital one customer service would not acknowledge that there may be a problem with this new system. People should have the option on their own accounts if they want the 2 step or not. Instead capital one has decided to treat everyone like they're children and make the decision for them regardless of the person's wishes

I find that with banks like this, you really don't know how good they are until you have to contact customer support for whatever reason. In an ideal would, I never would have to call customer support for an issue. I'd like to be able to do all my banking with no hassles and never having to contact support. Unfortunately, stuff happens, and I had to contact support... Honestly, I think they have the worst support I've ever seen. Even buying things oversees and having a huge language barrier is better than this. First of all, good luck finding their hours. The hours seem to be listed as something different everywhere. Second, if there's something wrong with your card, customer support will ALWAYS tell you they're CLOSED. Try calling at 1pm on a weekday... closed. Always. So basically, I had to go to their website to try and contact someone via their chat. They told me to just call them. Why bother having an online chat if you're just told to call? So anyways they gave me a number which ended up being for their fraud department. Fraud department told me to call their other number which is always closed for me, so I asked them to just transfer me instead. They did, I explained my issue, and now they told me "someone will call you back sometime next week during business hours." What I'll never understand is how people are supposed to talk to support when they're only open when everyone is at work anyways. I work in a warehouse and I'm not allowed my phone on the floor... Do you expect me to take the entire week off? The funny part is I'm trying to pay my entire balance. I've never had so much trouble trying to get someone to take my money!

Quick check is a fraudulent algorithm, that they do not honour! I was approved through quick check for a credit card that they will not give me.

I would give zero stars but my review would unlikely be seen. After some two decades of using capital one I have seen fit to fire them
1,some years ago I asked to up grade my card to some kind of rewards based card. I was refused….. not pleased
2, a few weeks ago It came to my attention that capital one is charging interest bi monthly. Not pleased. Resulting in a 6c charge after paying my card off on the same day I got the bill. Again not pleased
3, I terminated our relationship.
A, any automated payments would be honoured even if the card was cancelled and I could not physically use the card. Not pleased. And left wondering how the hell that works. After all that am the obligated to make monthly payments for streaming services donations etc
B, up to me to remove balance protection as that is through”a third party”.. You can guess how I found out about that. A charge with ZERO balance to protect
It seems like capital one is a lot like a bad case of the clap…..it just keeps coming back to haunt you/cause pain

I have tried over and over since 26 May to set up my online banking. On my Mac I gets blank page with the logo and the language, and on the bottom of the page I get the services. My App refuses to let me in telling me after verifying me that I have a login issue.

I have phone at least a dozen times. The only answer I get it… all you need to do is enter your user name and password.

The only way I can access my account is via browser or app Forgot password? Then I go trigger the whole rigamarole of creating a new Username and password then entering my CVV then a code and voila, enfin! I access my account!
Today I phone Customer Service and was told I’m doing it wrong. She just wouldn’t listen to what I was doing! She asked me to try it her way and I got nothing but an error message. She still insisted that I was wrong!
I had an online account with my secured card and it was seamless! This is just frustration and yet everything is as it should be on the account when I fiddle for five minutes to get in!
Over the past couple of weeks since I’ve tried to resolve this problem I’ve had nothing but passive agression from the CSR’s. Ive been polite, gentlemanly and respectful, they have treated me like a naughty child! Bad service! Pushy tiger moms for CSR’s who can’t say anything that isn’t in their script! Humbug. Luckily the card is good but the bank system stinks!

Part 2!!

Well egg on face! After a couple of weeks of frorratikn I found out by going to Safari that I had web blockers engaged! Turned it off and hey presto! Seamless service. Why can’t they tell us that?? Oh well turn off you blockers!!

I applied for an Aspire card with Cap 1 after a number of years of having a Gold unsecured Master Card. Originally I contacted customer service to inquire whether my current card could be upgraded without success. I reluctantly applied for the second card and was immediately turned down. I received a form letter about 2 weeks later informing me that their decision was based in part due to negative information obtained from the credit bureau. My credit rating was 809 at the time and there were no issues. After being rejected for the Aspire card, I applied at a major Canadian bank for a no fee card paying cash dividends. I was immediately approved with a large credit limit.

STAY AWAY!!! This credit card company has absolutely gone to trash. If you want a company that promotes FALSE ADVERTING, HORRIBLE CUSTOMER SERVICE, ZERO CONFLICT RESOLUTION, WASTING HOURS OF YOUR TIME, TONS OF ISSUES, CANT USE POINTS EARNED, FEELING RIPPED OFF then go ahead but I’d recommend staying far away. I am extremely patient and my husband and I both have had our Capital One Aspire for over 10 years, but the amount of issues noted above in just the past 1-2 months when we wanted to both transfer and use our points for travel as advertised we’ve had nothing but issues and ZERO resolution on multiple issues!!! They won’t let us transfer our points any more and we couldn’t even use our points for the airport taxi transfer we booked, even though it specifically states on their website for taxis and the transaction says taxi?! Can you believe this BS?!? Even when I’ve been crying on so many calls totally at my wit’s end with them all the time and energy wasted, they totally don’t care and do nothing to resolve anything, our family is totally done with this credit card company what a huge disappointment and waste of our precious time, money, and energy.

I wish I could give them half a star. This is the most disorganized, disjointed and useless "credit card" company. Not only will they charge you ridiculous fees but in the event you need to report fraud, they'll side with the scammer. STAY AWAY!

I have been with this company for years and they just canceled my account. Their reason was they sent 1 letter~no other correspondence admitted by them well talking with a manager~that 1 letter was needing updated information. I updated my information very recently (within 2022) as I moved. They are closing my account after well over 10 years as a client and as they put it~there is nothing they can do. My money shall go elsewhere