Capital One Canada Reviews 

My card as used fraudulently after I gave my security code to someone calling from the customer service number (sane number in back of my card) . It took two months for Capital One to refund my account. I believe this was an inside job as I later received another caller again posing to be an agent from capital one and calling from the number on back of my card, the person knew I had received a new card and the last four digits of the card (even before I received the card !!!) and said he was calling to “apply security features”. I am amazed that Capital One has not sent out an alert to its clients about fraudsters calling from the capital one customer service number. That’s why I’m writing this review. I will not be activating my knee card or using capital one again. It was a good company to help me restore my credit history and I had my card since 2019 without prior issues. But I feel very vulnerable after this experience and don’t see that they have enough security in place to pre ent this from continuing.

This was a total waste of time and energy. Made a mistake and had not removed the card from payments on one bank account as we were not using that credit card and I accidently made a payment that was to pay off different account. Not only did the company accept the payment but trying to get them to refund the money. Have talked to 4 people in the Phillipines who have each verified card holder and one person texted cell number for verification . But the next person could not text to verify because the new cell number and wants us to wait 2 days to update the system and call back again. Now I have to go through the painful process again.

It is stupid that they have limited business hours; when the payment is denied due to security purposes, I got a code to verify and fill in the security code. Again, it is still denied. I called them, but they were unable to help until the next day because they were closed at this time. I don't recommend this credit card, NOT 24/7 services.

Never try dealing with thus company. They are scam. Ignore their letter asking you to pay security deposit for a secure card. It is sacm. They succeeded in scaming $150 last August, 2022. Pass by when you hear their name

Is a liar company who want to sell thier card by telling lies.is a scam and fraud card.please beware of this capital one

Capital One choose to pays scammers vs protecting their clients
On October 25th 2022 I was a victim of a fraudulent phishing website impersonating ASICS Canada. I contacted ASICS Canada, they confirmed the fraud, I reported immediately the fraud to Capital One customer service asking for card cancellation and sent the proof of the scam by mail to Capital One. Despite all my efforts, some people from Capital One, 1-855-800-2815, decided to harass me on the phone, saying that this is a purchase and not a fraud, and charged the fraud amount again on my statement.
As I expected, I have not received from the scammers any merchandise or communication in the last 3months.
The Capital One decision to consider this transaction valid and not a fraud goes against the principle of secure online shopping and undermines the safety and consumer trust in online banking. The fraud was committed without my knowledge, and I reported it immediately I was aware of it.
This is totally unacceptable, to leave the clients who pay fees for the financial services of Capital One to be victims of reported scammers. I don't think I'll continue to use the bad services provided by Capital One.

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.