Capital One Canada レビュー 

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.

my payment for credit card just lost. I called customer service. after 1 hour the supervisor asked me to send proof of payment from my BMO bank.
I've sent the proof of payment, and closed my credit card.

They would give me a bad credit rating the second I made a purchase near the limit even though I would pay the debt the following week

My mother passed after a long battle with cancer. She had 97830 reward points, and had a debt of 421$. In being named executor I am responsible for paying her debts, however, Capital One would not honour her points. So basically they still want the money owed, she is alive then, but when I ask to redeem the points she becomes dead again. I have been on the phone for an hour with these people and I have to say disgusted by their lack of respect during this terrible time in one's life. If you do not show respect during this time to someone, it is not hard to figure that the word respect is foreign to them. DO NOT do anything but stay away from these disrespecting people, do yourself a favour.

Took months to settle unauthorized credit card fraud .. would never recommend.

7 years of doing business with capital one and I file my first dispute ever after getting hit by a known scam and they didn't side with me because I couldn't prove that I didn't receive anything lol how do you prove that? They could google the company and see thousands of other people didn't receive it but instead they want me to physically mail in proof. Good riddance..

The customer service is an abomination. The call center in the Philippines offers largely rude untrained staff with little or no listening skills. As a long time customer of Capital One even before it opened the Canadian Branch, I have now closed my account due to the limited service available when you call or use their online customer service. It’s difficult to communicate in English with the call center. They tell you there is no Notth American service and no options to reach someone who even knows what they are doing.

I had an email from Capital One about a charge on my account that I did not make. I contacted their customer service department The person I spoke with had a very heavy accent and I could not understand much of the conversation. They send me another email that said to verify my identity I had to use a tablet or cell phone to confirm. I don't own either of these devices. So I phone back again...now customer service tells me to FAX a government issued document to prove who I am. I FAXed that. Two days later I phone them to see if they've received that information but now they tell my that's not enough. Now FAX your income tax return and a utility bill. WHAT? I've had a card with them for well over 10 years and now they want my income tax information. NO thanks...run don't walk away from this company.

I am a pensioner in my 70's with a fraudulent charge of $537.87 on my credit card for a transaction associated with a business, the merchant name being changed by CO. Numerous CSR's asked for my case number (which I did not have) also promised me that someone from Fraud Recovery would call me. NEVER HAPPENED! My detailed complaint to their Ombudsman in March 2023 has NEVER been answered! Happy that Costco dumped them!!!

After 5 years have never had a offer for credit card increase no one can give me a answer why other people get a increase after a year I am stuck at 300 keep asking why no answer from capital one

This is the Canada help line customer support

Many times people with broken English. Hard to understand are the Agents. Sounds untrustworthy especially with scammers

This company has repeatedly acted as a *gatekeeper* of my financial transactions by declining foreign charges as 'unknown, fraudulent or suspicious', even after I have repeatedly "approved" such expenses as a part of an authorized payment plan which repeats on the same day monthly.

Customer service does not handle my complaints about this well at all; I've been hung up on, redirected to 'dead extensions' and put on hold for ridiculous periods of time. Agents are conveniently "forgetting" to make notes on my account about my issues and every time I have attempted to resolve this declined payment issue due to an unrecognized transaction, I'm delivered rhetoric by someone at a call centre I can barely understand due to the heavy accents, who repeatedly tell me that this is an auto-generated response which cannot be changed. I'm basically told that my payment plan payments will continue to be declined every month even though I've personally approved them multiple times, even though the charges are being applied by the exact same company ID every time. This is eroding trust with the organization I have set up my payment plan with, as they are inconvenienced as well as charged fees for having to repeatedly process my payments manually. This is really messed up, and I wish I had not consented to a having credit card with these folks at all. I DO NOT RECOMMEND THEM

Applied, got accepted and paid deposit. Great!! Card never arrived but was getting emails walking me through next steps. When I called, the rep didn't understand what I was saying and when she finally understood said she needed proof of payment, and took reference number from bank. After another incredibly long hold said I would get money back for troubles and card would be in the mail in the next day. Still nothing and it's been almost a year. Everytime I call they say they have no record of me or my application or previous calls. Customer service reps are rude, hang up on you, call you a liar and scammer...glad to know they stole my $75 deposit and got no further money from me in interest!! Stay away from this company who doesn't care nor make right their mistakes.

@Stephen Richmond
You must be either working for Capone or buried your head in sands. Wake up. All these people have real issues with Capone. Do a bit of google searching from you mom den, expand your knowledge outside your little bubble.

No issues with the services.
I feel sad for the people writing bad reviews. Go and get a job. Clearly you are one person writing different reviews.

I've been a client for a number of years, I'm not sure why I stuck with them past the data leak, but I did.

Anymore when I call, it seems to be a rush to get their customers off the phone as quick as possible, I guess I was interrupting the TV show I could clearly hear in the background of my latest reps call, when it's correcting their companies billing errors.

Finally closing my account once my final bill comes in this month.