Capital One Canada レビュー 

I was a cardholder for over 10+ years. I’ve always made my payments and even received a limit increase couple times. Recently they closed my account with no notice. They said it was a “card issuer decision” when I called to find out why I couldn’t use the card. There is no reason for this to happen. Representative confirmed no email or letter sent to inform customer in regards as it’s their solely decision and do not need to inform customer as stated in their term and conditions of the card which I sure none of us read. Absolutely no explanation at all. Representative doesn’t care much. I just have their card as a back up n really don’t need it so it won’t effect me at all to trashed their card away and move on. I’m writing here to bring awareness for others so u can be prepared as they definitely doesn’t care. Stay away to save your time. Go with 5 major bank credit cards for much secure and way better services.

Customer service is THE WORST !!! First they blocked my card because they said it was compromised (2nd time already and there was NO FRAUD)... they went through each transaction ai was able to verify and he said I'm going to proceed to cancel your card and I told him NO DON'T.. he said sorry it's already done... I asked him WHY.. he said ur card was compromised and I told him "no it wasn't, I just verified each transaction" he said we'll send you a new card anyway.. I said no... the Canada Postal strike is still on and I put extra on my card and need to use it asap (I was at the grocery store and holding up the line)... had to leave all my groceries behind. I called today... SIX WEEKS LATER and the agent told me a new card was never sent because the call got disconnected !! Are you for real.

The wost company. Literally the worst. Go anywhere else if you can. Capital One is a predatory lender.

I guess Capital One has no aspirations to be anything but what they are … a second rate banking institution.
With no other alternative to receiving a compromised card, than our wonderful Canada Post. My replacement card has been in transit since mid-November.
I cannot fathom any client serving organization that does not have any contingency plan whatsoever.
Corporate incompetence on a massive scale!

Unbelievably bad customer service. They allowed someone to buy comic books and toys online on my card. I had to fight with them to not get stuck paying 900 dollars for the above junk I did not buy or receive. I cancelled the card after this experience because clearly they are not looking out for their customers. So for months now I have been calling them sitting on hold and having to repeat more times than I can believe, my name, date of birth etc, just so I can find a way to pay them. I mailed cheques for payment but then postal strike occurred. Of course, the cheques still have not reached them even though strike is over. So it is considered a missed payment. This has knocked all my hard work at making my credit rating back. So today I called Capital one literally begging them to give me a way to pay them because soon another payment is due and I can't get money to them because the only way they will accept it is by mail. They insist I can pay at bank or online but payment gets kicked back because card account is cancelled. I called 4 times today. No one spoke English well enough to understand and these incompetent employees hung up on me three times. Every time I call back I have to reiterate address, name etc over and over. I spoke to a Supervisor today, and somehow she even managed to disconnect call. I called back and was hung up on while on hold 2 more times. I was advised Supervisor who hung up on me would call me back shortly. No one called me back. If you need a credit card go anywhere but here. They are literally the dumbest possible human beings I have ever dealt with.

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.