Capital One Canada Opiniões 

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.

Worst experience ever with finance. They will screw your credit if you close your account, even on a shitty pre paid card that's your OWN money....
Cannot get any English assistance over phone in North America. Snake company

I've had this credit card for over 20 years. Received a message that my card may be compromised. I don't understand how, because I have not used it ion a long time. The people I spoke to over the phone do not understand or speak proper English and therefore the issue was not resolved. I have no idea where to go from here.

Capital One is another greedy, callous corporation. I had been a client for nearly a decade. Each time I made a payment towards my Capital One Mastercard, it would be applied on the next business day. That does not include weekends and holidays. The last payment I made took three business days. I called Capital One to inquire, and they tried to gaslight me, by stating it has always taken 3 business days. I had my past statements as proof otherwise. They changed their system payment processing times without informing clients. This caused me enormous inconvenience. I ended up closing my account. Their customer service is poor as well.

I would rate it zero stars if I could. I used to have a card years ago with a $200 limit and didnt pay on time. Card expired. They WILL NOT give second chances. Even if you apply hundreds of times Everyone makes mistakes while they are young and its stupid to hold that against them years later. Give me another chance capital one and ill change my rating!

5 years with my card, haven't missed or been late with a single payment. They sent me a statement as they do every month, minimum payment was $42.00, I made the payment, 1 week early.
Went to use my card (which showed over $2000 free online) for a $70 bill at a restaurant, declined.
Called support, they froze my account because my minimum payment was missed by $9 dollars, and not correctly listed on my paper statement. I sent them the pic of the statement to prove it. They did nothing. Paying this card off immediately and closing it. Absolutely ridiculous. 0/10 on their support too, the guy I spoke to was incredibly rude, not to mention useless.

Dog shit company. I've waited 3 months for my replacement card and called and was told it's on its way. They're lazy and not from here so they don't care to do a job correctly. Now after 3 months I call again and it was never sent. Useless company and shitty customer service. Shouldn't exist for how shit they are