Capital One Canada Reviews 

I was a cardholder for over 10 years. I’ve always made my payments and even received a message congratulating me on always paying on time. This month, December 2024, they closed my account with no notice. They said it was a “back office decision”. There is no reason for this to happen. Absolutely no explanation at all. Find another company if you’re looking for credit!

Capital One Canada is complete garbage. They won't let me add my card to my Google Wallet because I'm not with Bell or Rogers. Seriously? They won't let TELUS customers activate Google pay according to customer service. Have you ever heard of something so fricken ridiculous? Not to mention, they charge me $59 a year, and high interest, but won't let me use my Google Wallet, something is seriously wrong with them.

They cut my credit card without warning. “ Business decision”. No other explanation. I was with them 6 or 7 years. They owe me in total about 900 dollars which they suppose to return in 3-4 months. With 0% of interest for using. How do you like it?

Ive been with capital one just under a year...jan.2025 would have been 1 year...i always pay my card off in full every month and i its dec (meaning xmas time) and i go to use my card...cant..my card has been permanently restricted. .so i call them to find out what the F is going on..and all they can tell me is its a business decision. Like wtf is that. So now its xmas how the f am i supposed to to buy presents? Ive only spent 373 on my 800 limit and all the money i did have is tied up on there...merry effin chirstmas to u too capital one

Worst credit card company. Do not recommend!

After being a client for over a decade, i recieve a letter stating that an interest rate hike or 4.1% will be the new norm for the card. this puts it at 23.9 % which is Higher than every other card i have by 5% minimum. Not only that i get charged a $60 anual fee as well. If you need these cards for credit rebuild great I guess but with this money grab in these times and with federal interest rates decreasing it feels like they are trying to PAD their bank account *think hard before using this card) as policy changed could put you in a more dire situation based off these practices. I dont recommend this card to anyone anymore with so many better , least impacting cards available.

The customer service is rude, unhelpful. The online website is horrible, getting help with this is impossible
English is barely spoken and the best they can say is try again tomorrow. Wait, what?????

Worst customer service ever...they are outsourced to Pakistan/India and you can never understand them. THEN if you have an issue that's not in their prepared script they hang up on you. Horrible service. Go somewhere else for credit cards. One that understands and speaks English.

Awful credit card! Do not sign up, they will ruin your credit score.

They locked me out of my online account and made it impossible for me to pay my balance and they just collected interest and then sued me.

They're a decent credit card, in that they're reliable, and you're able to use your card when needed, and good customer service, but they're by far the stingiest credit card company that ever was. I've been a loyal customer with over 3 years perfect payment record, and they still have my credit limit at $800 and refuse to increase it. I've got a pretty fair credit score to boot, and other creditors are exceedingly more generous. Capital one is a kiddie credit card with a kiddie credit limit. I mean it's fine for making small purchase but what am I going to really do with $800? Phfft.

said i got approved for a credit card and needed $300 deposite so I sent the money, said that they never recieved the money, contacted my bank and proved they did recieve my money, and now they arent remburssing me after a month, they said best they can do is another 2 billing cycles (60 days) and then ill probably still not recieve anything dont trust they are just going to park your money in a fraudulent way

Wouldn't even give them that paid off my credit card in full they said I owed them 4 dollars even though I over paid just received a bill for 40 bucks now this company is an absolute joke and scam

Had a secured card (where I pre-paid the money, no $ advanced from them) with a $300 limit (which was fine for me). When I cancelled-they kept my deposit and asked me to pay off one hundred some dollars more (even though they never gave/advanced $ to me). Now my credit score is shot, showing delinquent owing over $200. Can not recommend using this company.

I asked them several times to stop sending me adds and to remove my email from their list
They promised several but continue to send more adds
These filthy scumbags are so desperate and unprofessional.
I would never deal with their kind

Horrible company. DO not get a credit card from them. First they have high interest rate. And if you don't pay, they send your case to a lawyer. Ridiculous company. They don't understand your situation. Good way to threaten people. If people will file for debt consolidation, your company is in loss already.

I will never use capitol one again. I have asked them two years in a row to cancel my account. Was told account was cancelled. Never through anything of it after that. Fast forward a year and they charge the card the yearly fee on the account that is supposed to be cancelled. Makes my credit score go from almost perfect to 650 cuz they said I missed payments, even tho the account was supposed to be cancelled. Capitol one made me make payment and assured me account was cancelled. Fast forward another year to this year and same damn thing happens. Drops my credit once again. Contacted capitol one to only be told that they didn’t cancel the account and I’m forced to pay the $60 once again and watch my credit score drop again. Once again was told they cancelled my account. Three more weeks goes by and I call again to make sure account is cancelled and once again is told account was not cancelled again. They just cancelled the account once again, hopefully they finally did. Horrible customer service I do not recommend and I was a client of theirs for 20 years.

I have had the card for several years. It is a very low credit limit. I pay off way higher than the minimum required monthly and use it every month for small items. I have never received a credit limit increase. When I ask about this, I get very vague responses. In addition, they will charge a fee when I am approaching my limit which puts me over my limit and then charge me an additional fee for going over the limit. It feels like a third of my charges are fees.

Paid my balance in full but can’t access my funds? What a garbage service. Will be terminating my account.

My card was cancelled because of suspected fraud. No one contacted me to check, it was just cancelled.

The representative couldn't answer my questions.

There was no fraudulent activity and they could not reverse the cancellation, nor could they expedite the replacement card. Two representatives said there is no way to prevent this in the future.

I use the card to cover business expenses so I am now unable to do business for 7 to 10 days.

I was offered a one time thirty dollar credit for the inconvenience but it has not shown up on the account yet.

I sent by accident to Capital 0ne $2.142.82, after closing my account for 2 months. I request the money back also had bank send in a request for it back still have not gotten it back keep getting run around . Very poor customer service. I do not recommend anyone to deal with this company.