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Capital One Reviews

Rated 1.8 based on 92 Reviews

1 Old Street Yard, Darlington EC1Y 8AF

Banks Darlington

Published on
August 10, 2025
Last updated
August 10, 2025

Reviews Summary

Overall sentiment toward Capital One’s credit card services is strongly negative based on recent customer reviews. Reviewers consistently describe problems such as restrictive transaction blocks, unresponsive or inadequate customer service, and frustrations with credit limit policies. A common thread is dissatisfaction with issue resolution, whether concerning account errors, unauthorized account actions, or poor communication. While there are sporadic comments on personal reliability, nearly all feedback centers on frustrations with key operational aspects, not positive interactions.

The dominant themes include repeated concerns around account restrictions, rigid or stagnant credit limits despite good payment histories, and opaque or unhelpful responses from customer support. Customers highlight long waits for fraud resolution, inflexible approach toward payment errors, and a lack of transparency in account actions such as selling accounts or altering credit files. There is also evidence of difficulties with payment recognition and unexplained fees, aggravating user distrust.

In summary, Capital One is perceived unfavorably by customers, especially in the areas of credit card management and customer support, with negative sentiment prevailing in all aspects of their operations. The pattern suggests reliability and client advocacy are weak spots for Capital One’s credit card services, particularly in the UK market, undermining trust and the likelihood of repeat business in this sector.
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What Customers Are Saying About Capital One?

Trustguide extracts key phrases from reviews about Capital One and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 0% of Capital One's customers had a positive experience.

Positive
0%
Neutral
10%
Negative
90%

Capital One Ratings

1

As of Based on 92 revies as of Aug 10, 2025

Capital One Score

0%

As of Based on 92 revies as of Aug 10, 2025

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Customer Reviews

As of Aug 10, 2025, 92 customers have reviewed this business and rated it 1.8 Star out of 5. Trustguide conducted an in-depth analysis of Capital One's publicly available reviews View source

Elaine Fricker rated Capital One 1 stars
5 months ago
Do NOT rely on this card. They have a policy of applying automatic blocks on transactions over a few hundred pounds, and at weekends there is NO ONE who can lift the block. So you are left with no access to any credit on this card. They were unable to explain why / what level the block was placed (not credit related). Appalling customer experience; have ceased to use this card as a result.
krzysiek nieznajomy rated Capital One 1 stars
6 months ago
Your money is not secured with them. I paid for service that i never received and they told me that they can not help me claim it baćk. Avoid them, there is plenty more of othwr decent credit card providers.
Charlie H rated Capital One 1 stars
6 months ago
I've held an account for over 2 years and have had a credit limit of £200 that whole time. I use my card every month and pay in full, on time every month, I have never missed a payment and have a credit limit with Aqua of £2,000. This is the most ridiculous and pointless credit card imaginable, I will be cancelling my account very soon! I would suggest others to avoid and just use Aqua, a well known, trusted credit provider, whom increase/decrease your limit based on your payment performance and spending. Capital one truly is a pitiful excuse for a credit lender. Avoid avoid avoid!

Frequently Asked Questions About Capital One

What is the process for increasing a Capital One credit limit?

Based on customer reports, requesting a credit limit increase with Capital One results in ongoing reviews. However, even longstanding customers with good payment records often experience their limits remaining unchanged, with little explanation provided for the decision.

How does Capital One handle transaction blocks and access to funds?

Customers report that Capital One sometimes places automatic blocks on transactions over certain amounts and may have limited support for lifting these blocks during weekends. This can restrict access to credit until the issue is resolved.

What support does Capital One provide for fraud or disputed transactions?

Reviewers indicate that while Capital One may recognize fraudulent activity, the process to resolve these issues can be slow. Removal of credit inquiries or corrections to credit files may take several weeks or longer, according to customer experiences.

About Capital One

Banks
Capital One is a financial institution specializing in consumer and business credit card products, loans, and related financial services. The company offers credit solutions primarily through physical and digital channels, allowing customers to manage accounts, make payments, and access credit servicing online or via mobile applications.

Operations are structured to support customer acquisition, credit management, and risk control primarily through automated systems and call center support. Capital One follows industry-standard protocols for credit assessment, fraud detection, transaction monitoring, and customer account servicing, as well as compliance with regulatory frameworks for credit lending.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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