Capital One Canada Reviews 

Customer service representative couldn’t explain interest charges. Competence is hard to come by around there.

Absolutely terrible customer service. I had a small amount of my own money held up, and instead of making it easy to get it back, Capital One Canada created obstacle after obstacle. I was actually told to fax proof of payment or mail documents in an envelope. Fax? What year is this, 1960?

It feels like the refund process is intentionally made difficult. For such a small amount, customers shouldn’t have to jump through hoops just to recover their own money.

The customer service experience was just as bad. The representatives I spoke with were dismissive, unhelpful, and acted as though there was nothing they could do. One even suggested I hang up and call again if I wasn’t satisfied. I was repeatedly told their job was basically to tell me how to use the website, not actually resolve my issue. Unfortunately, their website is also glitchy—it kept sending me in circles when I tried to apply for a new card.

Judging by the low ratings from many other customers, I’m clearly not the only one who’s had a frustrating experience. Based on my experience, I would not recommend Capital One Canada. It’s so bad they haven’t even claimed their Canadian account because of these reviews. I hope this company die soon enough. London scammers in Canada

I was charged nearly $350 USD by a merchant without authorization. I provided Capital One with invoices, written proof from the merchant contradicting itself, and clear evidence of fraud.

Capital One reviewed everything and still sided with the merchant.

They claimed the merchant provided sufficient evidence. This evidence? Internal documentation that I have never seen or was made aware of. They closed my case and will not accept any more documentation, even though the merchant wrote an email indicating that they never pursued this charge.

Capital One does not protect you. They protect merchants. If you value your money, take your business elsewhere.

I opened a Capital One secured card because I am new to Canada and wanted a simple way to build credit. I provided a security deposit and expected a straightforward credit-building product. Instead, the experience was confusing, outdated, and frustrating from start to finish.

The payment process was one of the biggest problems. I could not simply make a direct payment through Capital One’s own online portal the way I expected. Instead, I had to go through my bank, add Capital One Mastercard as a payee, and make payments through online bill pay. For a secured card marketed toward people trying to build or rebuild credit, that setup is not user-friendly.

The security deposit process was also confusing. I originally provided a deposit, and when I later sent additional money, I received a letter asking whether I wanted it applied toward my card balance or toward increasing my credit limit. I chose to increase the credit limit, but the process was not clearly explained. I later ended up with a $400 credit limit and a statement balance of $401.25, including $11.71 in interest charges. That means I was slightly over the credit limit on a secured card, which is ridiculous and should have been easier to avoid.

I also had issues with paper statements. I wanted to go paperless, but continued receiving paper bills. Between the outdated payment process, unclear deposit handling, interest charges, and paper billing issues, the account was much more difficult to manage than it should have been.

Closing the account was the final frustration. After the account was closed/restricted, Capital One applied a $400 deposit balance transfer against the account, leaving a small remaining balance. The fact that I had to dig through statements and account screens to understand what happened says a lot about how unclear the process was.

Overall, I opened this card to build credit, not to fight with an outdated payment system, confusing deposit rules, paper statements, interest charges, and a frustrating closure process. I would not recommend this secured card to anyone looking for a simple, transparent way to build credit in Canada.

I invested with this company hoping for a smooth and reliable experience, but my overall experience left me feeling frustrated, disappointed, and unable to trust the way this company handles customer concerns. From the beginning, communication was inconsistent, with different representatives providing conflicting information every time I reached out for assistance. Instead of receiving clear answers about the status of my account and my withdrawal request, I was repeatedly given vague explanations that only created more confusion. The biggest issue I encountered involved my attempts to withdraw my funds. Each time I contacted customer support, I was told that my money would be released after completing yet another round of additional verification. I complied with every request they made, submitted the required documents, and patiently waited for updates, expecting the issue to be resolved. Unfortunately, despite following every instruction, nothing was ever explained clearly, and the promised release of my funds never materialized. Every new conversation seemed to restart the process from the beginning, with support continuing to insist that everything would be resolved soon while offering no meaningful progress or transparent timeline. This repeated cycle of assurances without results made it increasingly difficult to believe anything I was being told. Instead of feeling supported, I felt like I was constantly being led in circles without any genuine effort to resolve the situation. The lack of transparency, the delays, and the inconsistent communication significantly damaged my confidence in the company's ability to handle customer funds responsibly. As the situation dragged on, I became increasingly concerned that I might never regain access to my money. During this difficult period, the support team directed me to Fixthewrong, and that ultimately became the turning point in my experience. After working with Fixthewrong, my case was handled professionally, communication was much clearer, and my money was successfully recovered in full. That outcome brought a great sense of relief after an extended period of uncertainty and frustration. Looking back, I believe customers deserve honest communication, realistic expectations, and prompt resolution of withdrawal issues rather than repeated promises that never seem to lead anywhere. My experience left me questioning the company's reliability and its commitment to resolving customer concerns in a transparent manner. If you are considering using this company, I strongly encourage you to do your own research, ask detailed questions about withdrawal procedures, and carefully evaluate whether you are comfortable with the level of communication and support you may receive. Based on my personal experience, I found it extremely difficult to trust the company because of the ongoing communication problems and the unresolved withdrawal complications that persisted despite repeated assurances from support. While every customer's experience may differ, I would urge others to stay cautious with this company before they end up losing access to their money completely.

I have a Capital One Aspire Cash issued in Canada. It can't be used in Apple Wallet which for me is a big minus. All my transactions were declined while trying to book for a trip in Asia - another big minus. Regarding this issue, customer service says "it must be them"

I’m giving 1 star because I have to give a star.
My complaint is I phoned in January to make arrangements on my account due to diagnose with breast cancer.
Do to the surgery and cancer treatments I can not work. As per my oncologist
I phone twice since in total 3 phone calls.

I have been making those payments and I find out that even making these payments capital one is reckling my credit.
So upsetting I asked to talk to a manager
Because the person that took my phone call said pretty much to bad you have to pay a lot more. I’m not working right now.

Still waiting for a manager to call me it’s been over a week.
So disappointed in the way things are going.
I shouldn’t have this worry on top of fighting to make it.

No support at all no compassion

Bonjour

Où est ce que je peux parler avec quelqu’un et laisse un très mauvais commentaire sur vos agent ?

Nous sommes presque en juillet et ma carte devait être arriver en mars. Ont me répète toujours les meme choses, ont cancel la carte, renvois une autres et elle arrive jamais. Pire service au monde.

Pas que je veux pas payer je veux simplement ma carte avec la bonne date d’expiration mais vos agent ne font pas le travaille. Pourquoi vous engager c’est gens. De plus, nous attendons leur télévision en arrière plan.

On m’a répéter plusieurs fois que ma carte sera envoyer via express pour au final un autre agent me dit que non. Un agent plus haut me dit qu’il me rappelle, JAMAIS REÇU DAPPELLE.

Pire service broche à foin.
Je veux simplement ma carte.

I had excellent credit for over 10 years with Capital One Mastercard. Never missed one payment…always paid early, made more than minimum payment & two payments per month allot. My credit score was excellent, but it didn’t do me much good. I applied for different card with lower interest which they said I just had to approve with phone call with verification number & then they didn’t do it & went back on their word. Their customer service is so screwed up everyone gives you a different answer. I quit paying them for awhile to pay them back….what goes around comes around….they deserved it. Now I have a low balance still which I am paying off & closing my account. I opened a Credit Dispute Support Form with Transunion to find out the real balance I owe. Capital One has been sued by many & had to pay them so I wonder if they owe me too. They don’t have a good reputation. I don’t abuse credit & most of the time I use my regular bank card to pay for things & like to pay my balances on credit cards off each month. I have excellent credit with my bank & they recently offered me more credit which I use just a bit for convenience sometimes, but try to always pay the balance off each month. It seems like the Credit Bureaus are there for the Credit Card Companies & Banks not the consumers or people they serve & are suppose to help. They don’t appreciate us & our money they get. I am anxious to see what happens after Transunion investigates Capital One. I encourage more people to open Credit Dispute Support files through Transunion & other Credit Bureaus for support & help against Capital One to see if they owe you any money. Good luck! God is against every form of greed & really doesn’t like anyone to be greedy.

Don't ever get yourself involved with this card company. I have three cards that I missed one payment on all three due to Medical reasons. I phoned all three of them and made it a payment arrangement since I was back to work to pay it within a few days. Everybody else was fine Capital One said they were great with that. Capital one's the only one that dinged my credit score. And it's not only that Capital One had me lose my job. Because after making the courtesy call to let them know after I got out of the hospital, they were supposed to leave the note on the file after the first time I called. I received a call the next day asking the same nonsense while I'm trying to work. I told that person the same thing, but according to them they don't have any note on file. They got to stop using these countries for their call centers like Indonesia and everything that don't do the job. Then they kept proceeding to call and trick me with different numbers at work kept me on the phone over the same garbage and then I ended up losing my job over it. Now since they've ruined my credit already, now I'm not paying a damn thing! Send it to collections I don't care now you've already had my employment terminated with your stupidity, and your non-stop phone calls and ruining my credit. Don't ever deal with a company like this they're not legit.

It's all just one giant ripoff It's unbelievable that for years they've been charging me $59.99 for basically nothing I get nothing out of it It's a scam they're degenerate I hate you I hate you capital one I hate you so much

Awful, a simple cancelling and refunding of a secured card has taken 3 customer service calls, needing to get supervisors involved twice due to staff either not giving vital information or just not understanding the situation at all. Have never seen what should have been a simple process dragged out so far by sheer incompetence

ARNAQUE, ARNAQUE, ARNAQUE

As a former consumer reporter, I gave Capital One US 5 stars. However, unlike the US card, Capital One Canada charges a foreign transaction fee. So it gets two stars. Other than that, the card is good.

Once I paid off my balance a customer service rep lied to me about deactivating my card and getting a replacement card in the mail in 2 weeks. When I waited for 2 weeks and no card came I was told that the previous customer service replacement had lied. They removed the $11 interest fee on my account for a card that been disabled!!

In 2022, I experienced a negative experience due to a social engineering and phishing scam from a party that was using Capital One brand. At the time, I reached out to the Capital One abuse team to report this experience who were using the company’s brand to target users. Unfortunately, I never received a response or acknowledgment of my report.

For those considering a new account, I recommend verifying the current responsiveness of their security and abuse reporting channels. In my experience, the lack of feedback during a crisis made a difficult situation much harder to navigate.

I am beyond frustrated with Capital One. I had a Fraud claim submitted on Feb 5, 2026 for $308.44. They claimed they gave me a temporary credit on Feb 10, 2026. However I never actually received the credit on my account. I then waited the 30 days I was originally told, then I was told 90 days. I was not told this information until March 18, 2026 when I asked to speak to a manager because of all the misinformation I was receiving from these people. They issued me a one time credit of $30 to “compensate”. They also told me I wouldn’t actually receive the credit until after the 90 days. Fast forward to today, May 7, 2026. I was told the merchant ruled in my favour and that I would receive the credit but they don’t have a time frame. This is completely unacceptable that I now supposedly have to wait even longer and it again contradicts what I was told on March 18, 2026 that the credit would be available in my account after 90 days which has past.

this is unacceptable and absolutely horrendous service on their end. This is fraud now on capital one’s part as they are charging me interest on this and refusing to help and not giving me my money back. They said they escalated this further to their complaint department and it would be up to another 56 days. That is a joke waiting 146 days for this to be resolved

I would recommend to anyone thinking of going to Capital One to never do so. They will take your money and they will not give it back to you. Absolute horrible bank.

This is a long review I wrote, but essentially they do not protect their customers from fraud and have little sympathy for it. Beware of this credit card company.

I was recently on vacation in Mexico from April 4-11, 2026, and decided to withdraw money from a bank machine on the resort I was staying at. I withdrew $400 Canadian dollars on April 9. As soon as I was done my transaction my phone bank app alerted me that 3 additional transactions took place almost immediately. One for $122.85 and another one for $545.86 CAD and another one for $84. The $84 one was flagged and denied by my credit card company which is capitol one Mastercard, but the first two charges went through. My original transaction from the bank machine was listed as Bankaoolcabo. The next transaction was listed as Merpago JesusEnrique and the next one was listed as Merpago JoseLos. I then went into my bank app and locked my card so no further charges could go through. I went to the front desk of the resort and they directed me to a money exchange booth that they said was responsible for the bank machine. The exchange desk clerk gave me a phone number to call. I took a picture of that phone number but was going to wait until I got home to call it because my cell phone was not set up to make calls while in Mexico. After I returned home I called Capitol One the next day, and told them what happened. They said they would remove the charges from my card. Then on April 28 Capitol One called me to inform me that they were going to reapply the charges because my physical card with PIN # was used for these transactions even though I explained that those charges all happened within 5 minutes of my original transaction. They advised me to contact the merchant. I then tried calling the phone number I took a picture of and it was out of service. I called Capitol One back and explained that to them, they then said that I could make a police report and provide them with the information from that and they would look at removing the charges again. I went to the police station on April 29th and filled out a report. I called Capitol One back providing them with all the information they asked for except a suspect name. I explained that the police officer told me that they cannot launch an investigation into something that happened in Mexico. So essentially there will never be a suspect name. Capitol One said they cannot move forward with reversing the charges because they need the suspect name and they closed my file. I then seen on their paperwork that I could request my file be forwarded to the Capitol One Complaints Resolution Office if I was dissatisfied with the outcome of my claim. I spoke to the manager then who told me the same thing, they cannot do anything at all without a suspect name. They also told me that these charges were made by an Art Supplies Company. How could I make a transaction at one location and then run to another and spend almost another $700 in less than 5 minutes?? I think it is hugely unfair that they are making me pay all this money when I did not make these transactions.

I just called them because sometimes the card gets declined when it shouldn't and sometimes it's fine.

I gave her a specific date, and I want to know why it was declined, and all she kept doing was reading a list of possibilities, it drove me crazy and I finally hung up.

Je déconseille fortement Capital One. J'avais besoin d'effectuer un virement urgent de mon compte BMO vers mon compte Capital One pour un achat touristique de dernière minute. Or, avec Capital One, il m'a été impossible de recevoir le virement à temps. Lorsque nous avons demandé à accélérer le processus, ils m'ont éconduit et m'ont simplement dit d'attendre. Un comportement scandaleusement irresponsable et un manque total d'empathie envers leurs clients. Je vais sans aucun doute mettre fin à ma relation avec Capital One et me tourner vers d'autres banques. Je recommande également à tous les clients d'éviter Capital One. Advise against choosing Capital One. I urgently needed to make a transfer from my BMO bank to my Capital One account to make a quick tour purchase. However, with Capital One, it was impossible to receive the transfer on time. When we asked to expedite the transfer, they sent me packing and told me to wait. Disgustingly irresponsible and completely unsympathetic to their clients. I will definitely terminate my relationship with Capital One and will look for other banks. I also recommend other clients avoid using Capital One.