Capital One Complaints

At Smart Money People, we use the power of your reviews to help change financial services for the better. We understand it can be extremely frustrating, and often costly when things go wrong - especially with your credit card - whether that's payment...

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At Smart Money People, we use the power of your reviews to help change financial services for the better. We understand it can be extremely frustrating, and often costly when things go wrong - especially with your credit card - whether that's payment problems, a block on your card, ar difficulty paying your bill. If things don't go quite to plan with Capital One, sometimes you have to escalate your dissatisfaction and leave a complaint. That's why we want to improve the way that companies deal with complaints from customers.

Read and write public complaints

Smart Money People was launched in 2014, and is dedicated to helping consumers get the inside track into the financial services industry. That’s why we’re now offering public complaints. With the help of your complaints we can help make the financial industry work better for everybody. Here’s how:

Voice your complaint in a public forum
Help others and drive real change
Have your complaint sent to Capital One

We believe that your complaints can help other consumers get the inside track on what being a customer with Capital One is really like. That’s why, by sharing your public complaint with us, you can start to help other consumers make better decisions today. You'll be helping us to drive real change by increasing trust and transparency in the financial services industry.

How do I make a Capital One complaint?

We’ve got the simplest (and quickest) way to leave a public complaint. Once you’ve submitted your complaint, we’ll pass it to the complaints department at Capital One. Your complaint will also be displayed publicly on Smart Money People, the UK's review and insight site for financial services, which will help others who might be having similar issues to yourself.

Capital One currently has a score of 4.03 / 5 on Smart Money People.

Disagree with this rating? Your complaint will help to influence this rating, so let your voice be heard and share your experiences with everyone. It’s quick and easy to leave your Capital One complaint below, and we’ll never pass on your details to anyone other than Capital One.

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View more Capital One complaints

See what other people like you have said about Capital One.

Credit card

Applied several times for this card and every time got accepted ,emails etc to tell me card is on its way but never arrives do not use this company as they rip you off.what do you expect out a American company bad bad bad

Reviewed on 15th December 2020
Bob's avatar
Bob

No Security checks

It's absolutely appalling that a credit card application could be verified with no photo ID... Read more

It's absolutely appalling that a credit card application could be verified with no photo ID required.
My wife's identity was used by fraudsters to open a credit card and when we found out, we requested for a photo ID of who did open it, but it turns out Capital One security checks is no different from "beach sand tower". Now we're left to foot the outstanding bills. Absolutely shocking company.
If opening an account can be so easy and anyone can do so with a different identity, I shudder to think of the lies you tell your genuine customers about the security promised to them.
Shocking, inept, vile, disgusting and unethical company.

Reviewed on 18th November 2020
Emmanuel 's avatar
Emmanuel

Terrible

The credentials of 'meet the team' at capital one are most impressive, what a pity they can't put their education into practise. You cannot even report a lost or stolen card outside of opening hours! Impossible to get in touch with anyone working for... Read more

The credentials of 'meet the team' at capital one are most impressive, what a pity they can't put their education into practise. You cannot even report a lost or stolen card outside of opening hours! Impossible to get in touch with anyone working for CO. How can a company exist with such appalling and virtually non existent customer service. All the Ox-bridge graduates running the show evidently can't apply themselves.

Reviewed on 29th October 2020
Anonymous's avatar
Anonymous

Absolutely Useless

Capitalone are absolutely useless, don’t use I’ve been a customer of theirs 5 years now closing my account incompetent

Reviewed on 2nd January 2020
Andy Randle's avatar
Andy Randle

Lousy customer service

Applied for a credit card, plain NO came back, no explanation despite good credit history.

Reviewed on 15th April 2019
David Paterson's avatar
David Paterson

Shocking service

Customer Service is terrible and the way they treat their staff is disgusting.

Reviewed on 6th November 2018
Ivor biggun's avatar
Ivor biggun
View all 188 reviews

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Capital One Complaints Data

Capital One complaints received by the Financial Ombudsman Service over the last 18 months:

Jan-Jun 2016: 5,073 (63% in favour of the customer)
Jul-Dec 2015: 5,536 (74% in favour of the customer)
Jan-Jun 2015: 6,661 (54% in favour of the customer)

Across all financial providers, the average % of complaints submitted to the Ombudsman which were resolved in favour of the customer in Jan-Jun 2016 was 48%.

Contact Capital One Directly

If you want to contact Capital One directly, please use the details below, but remember that leaving a public complaint via Smart Money People will help others see your complaint too.

Postal Address: Capital One Card Services, P.O. Box 5283, Nottingham, NG2 9HD
About Smart Money People

Smart Money People is the UK’s leading review and insight platform for financial services. Your reviews (and public complaints) help us to better understand and highlight issues that are emerging in financial services. Please note that we are not affiliated with Capital One in any way.