Capital One Canada Reviews 

I suddenly received a message saying there was suspicious activity on my card, and my account was restricted. I checked my transactions and there is nothing out of the ordinary. Talking with chat support on the website, they said they couldnt do anything, I had to call the 1-800 number. I called initially yesterday, and after being on hold FOR OVER 2.5 HOURS, hung up. I am again on hold, currently at 66 minutes and still no answer.
I have better things to do than waste MY TIME because they can't handle the call volume!
Hey Capitol One, Maybe you should add an automated text service to triage cases? Oh wait, you DO! I have received text messages in the past asking "was this you"... Thats all it would take, I respond "Yes, it was me" Issue resolved. if I answered "No" Then, and ONLY then do you force the phone call to clear it up!! Oh, maybe hire more staff so we don't have to waste valuable time on hold!!!

I finally received my card and pin after literally sending $300 a couple of months prior … then after approx. 2 months of usage my account was cancelled (with zero balance owing) and my security deposit / funds weren’t refunded. No intelligent reason was given by agent or specialist after I called to complain. They asked if someone else had access to my account > absolutely Not! I responded. So yeah after transferring $300 then 2 months of waiting my card worked for a few month then I paid the balance off and it immediately was cancelled (Aug 9th) and funds retained. It’s a straight up scam

Capital One Canada. Very disappointed with how my security deposit was handled." I applied for a Capital One secured credit card and paid a security deposit. Unfortunately, Canada Post was holding my mail, so I was unable to receive and use my card. As a result, Capital One closed my account. What I find unacceptable is that I've been told I have to wait 150 days to get my own security deposit back. I understand companies have policies, but waiting five months seems unreasonable. I believe Capital One should have a more flexible process for situations like this and provide a much faster way to return customers' money. My experience has been frustrating, and I hope the company reviews this policy to better serve its customers.

They are the worst company. I payed off my card in full and closed my account but because of slow processing they now want to charge me interest on a closed card. Customer service is the worst and their interest is so high. Stay away from Capital One! If I could have left a zero rating I would have.

The only reason I have to put one scar here is because that’s the only way he could leave Riverview. Worst customer service they don’t live up to their promises took me almost 2 months to get a card back because I have fraud on my card!!! time to get a new card company, which is not hard to find capital one needs to trade their phone advisors very unprofessional

What a piece of work stay far far away from this company i had a credit card with this place less then a month and because I bought stuff for a game on my phone they closed my account screwing my credit over this is not a place to help u it's a place to screw u so I would advise not to apply for anything threw this company

Definitely the worst financial service/industry I’ve encountered. It’s been up to 2 months and I still haven’t received the credit card I applied for. The agents tell me the same thing each time I call

So bad so awful so horrible just the worst service from the Philiipines.
LOL LOL as soon as i oay it off its good riddence assholes

Was in Vegas. Waitress at club made error and gave me someone else's credit card back. He got mine. In an effort to return the card I had to it's rightful owner, I contacted Capital One to have them contact their cardholder so we both could be reunited with our cards. We are both on vacation and needed our cards. Capital one refused to do anything and lied to me that the cardholder had already cancelled the card. In actual fact, I learned when he eventually tracked me down, that he had merely locked his card to protect it. Capital One had a very real opportunity to wow its customer by reuniting the card with him. Instead, they chose to do the absolute bare minimum and just cancelled his card. Shameless performance by Capital One. You definitely do not offer customer service, which is why I also cancelled my Capital One. I hope the other cardholder does the same. Both credit cards were World Elite MasterCard, the top echelon for MasterCard and both of us were treated with ignorance. Good bye Capital One and I hope the other card holder does the same.

Worst experience ever....all I got from customer service was a sorry I cant help you. Don't waste your time on this company
Wish I could give zero stars

Capital one is a predatory lender. Don't do it. They advertise helping you under the guise of rebuilding your credit. They make an arrangement and then they change it, negatively impacting you at the worst possible time. All they care about is amount due. Not the people.

They closed my account without informing me because I hadn't used the card in so long. I've never missed a payment and always paid the balance in full. Now I will go to my bank and try to get a credit card which they are always trying to get me to sign up.

I have been a Capital One customer since last year and throughout that time I have always paid my credit card on time, with no missed payments and no issues. I was a responsible customer who valued my account and my relationship with this company.
Unfortunately, while travelling abroad, I experienced a horrific and traumatic situation. I became stranded for months, was robbed, physically assaulted, and had my phone stolen. I reported what happened to the local police and I have official documentation, including a police report, as well as travel records and evidence supporting everything I went through.
During this extremely difficult time, I did everything I could to contact Capital One. I attempted to reach out by email, social media, and even contacted Capital One USA for assistance in reaching Capital One Canada. I was given information on how to try and get help, but despite my efforts, I was unable to get through to the Canadian team. No one followed up with me, and no one reached out to understand what had happened.
When I finally returned to Canada with the help and support I received, I immediately contacted Capital One and explained my situation. I provided details about my attempts to contact them and explained that I had evidence to support my circumstances. I asked if my account could remain open while my situation was reviewed and asked for an email address where I could send my documentation.
Instead of providing a way to submit my evidence, I was told that someone would contact me and that I should not pay off the balance because doing so would result in the account being closed. I trusted the information I was given and waited for someone to follow up.
Sadly, no one contacted me. No email. No call. No meaningful attempt to review my situation.
Then, without any consideration of the circumstances, I received notification that my account had been reported with an R9 rating to the credit reporting agencies like if I did that on purpose. It’s sad that how a good customer gets treated.
I contacted Capital One again and requested to speak with a manager. Unfortunately, the experience was extremely disappointing. The manager showed no willingness to understand what had happened, no empathy for the traumatic circumstances I experienced, and no interest in reviewing the evidence I have available. I was simply told that a letter had been sent, although I never received one, and my request to resend it was not handled in a way that resolved anything.
What concerns me most is that Capital One ignored the fact that I was not a customer who regularly failed to pay. I had always paid my account responsibly. This situation happened because of an unexpected and traumatic event outside of my control, and I made genuine efforts to communicate with the company.
Instead of looking at the full picture, Capital One chose to treat me like just another account number. There was no compassion, no investigation into my circumstances, and no consideration of the fact that I actively tried to reach them for help.
A company’s true customer service is shown when a customer is going through their hardest moments. Unfortunately, Capital One failed that test.
I hope senior leadership reviews how cases like mine are handled, because customers should not be punished without their circumstances being properly considered.There escalation team did not to a good job on handling the case fairly and showed zero care and consideration towards me.

I have to pay $300 just to get a credit card. Because I closed my account which i didn’t mean too . But things happen. Now I’m getting laid off my job after 6 years they still want me to pay $300 to get the card with no income . Please tell them not to send me anymore emails about paying $300 for a credit card 😞😞😞😞😞. I have less than two weeks left for my job . Goodbye

Customer service representative couldn’t explain interest charges. Competence is hard to come by around there.

Absolutely terrible customer service. I had a small amount of my own money held up, and instead of making it easy to get it back, Capital One Canada created obstacle after obstacle. I was actually told to fax proof of payment or mail documents in an envelope. Fax? What year is this, 1960?

It feels like the refund process is intentionally made difficult. For such a small amount, customers shouldn’t have to jump through hoops just to recover their own money.

The customer service experience was just as bad. The representatives I spoke with were dismissive, unhelpful, and acted as though there was nothing they could do. One even suggested I hang up and call again if I wasn’t satisfied. I was repeatedly told their job was basically to tell me how to use the website, not actually resolve my issue. Unfortunately, their website is also glitchy—it kept sending me in circles when I tried to apply for a new card.

Judging by the low ratings from many other customers, I’m clearly not the only one who’s had a frustrating experience. Based on my experience, I would not recommend Capital One Canada. It’s so bad they haven’t even claimed their Canadian account because of these reviews. I hope this company die soon enough. London scammers in Canada

I was charged nearly $350 USD by a merchant without authorization. I provided Capital One with invoices, written proof from the merchant contradicting itself, and clear evidence of fraud.

Capital One reviewed everything and still sided with the merchant.

They claimed the merchant provided sufficient evidence. This evidence? Internal documentation that I have never seen or was made aware of. They closed my case and will not accept any more documentation, even though the merchant wrote an email indicating that they never pursued this charge.

Capital One does not protect you. They protect merchants. If you value your money, take your business elsewhere.

I opened a Capital One secured card because I am new to Canada and wanted a simple way to build credit. I provided a security deposit and expected a straightforward credit-building product. Instead, the experience was confusing, outdated, and frustrating from start to finish.

The payment process was one of the biggest problems. I could not simply make a direct payment through Capital One’s own online portal the way I expected. Instead, I had to go through my bank, add Capital One Mastercard as a payee, and make payments through online bill pay. For a secured card marketed toward people trying to build or rebuild credit, that setup is not user-friendly.

The security deposit process was also confusing. I originally provided a deposit, and when I later sent additional money, I received a letter asking whether I wanted it applied toward my card balance or toward increasing my credit limit. I chose to increase the credit limit, but the process was not clearly explained. I later ended up with a $400 credit limit and a statement balance of $401.25, including $11.71 in interest charges. That means I was slightly over the credit limit on a secured card, which is ridiculous and should have been easier to avoid.

I also had issues with paper statements. I wanted to go paperless, but continued receiving paper bills. Between the outdated payment process, unclear deposit handling, interest charges, and paper billing issues, the account was much more difficult to manage than it should have been.

Closing the account was the final frustration. After the account was closed/restricted, Capital One applied a $400 deposit balance transfer against the account, leaving a small remaining balance. The fact that I had to dig through statements and account screens to understand what happened says a lot about how unclear the process was.

Overall, I opened this card to build credit, not to fight with an outdated payment system, confusing deposit rules, paper statements, interest charges, and a frustrating closure process. I would not recommend this secured card to anyone looking for a simple, transparent way to build credit in Canada.

I invested with this company hoping for a smooth and reliable experience, but my overall experience left me feeling frustrated, disappointed, and unable to trust the way this company handles customer concerns. From the beginning, communication was inconsistent, with different representatives providing conflicting information every time I reached out for assistance. Instead of receiving clear answers about the status of my account and my withdrawal request, I was repeatedly given vague explanations that only created more confusion. The biggest issue I encountered involved my attempts to withdraw my funds. Each time I contacted customer support, I was told that my money would be released after completing yet another round of additional verification. I complied with every request they made, submitted the required documents, and patiently waited for updates, expecting the issue to be resolved. Unfortunately, despite following every instruction, nothing was ever explained clearly, and the promised release of my funds never materialized. Every new conversation seemed to restart the process from the beginning, with support continuing to insist that everything would be resolved soon while offering no meaningful progress or transparent timeline. This repeated cycle of assurances without results made it increasingly difficult to believe anything I was being told. Instead of feeling supported, I felt like I was constantly being led in circles without any genuine effort to resolve the situation. The lack of transparency, the delays, and the inconsistent communication significantly damaged my confidence in the company's ability to handle customer funds responsibly. As the situation dragged on, I became increasingly concerned that I might never regain access to my money. During this difficult period, the support team directed me to Fixthewrong, and that ultimately became the turning point in my experience. After working with Fixthewrong, my case was handled professionally, communication was much clearer, and my money was successfully recovered in full. That outcome brought a great sense of relief after an extended period of uncertainty and frustration. Looking back, I believe customers deserve honest communication, realistic expectations, and prompt resolution of withdrawal issues rather than repeated promises that never seem to lead anywhere. My experience left me questioning the company's reliability and its commitment to resolving customer concerns in a transparent manner. If you are considering using this company, I strongly encourage you to do your own research, ask detailed questions about withdrawal procedures, and carefully evaluate whether you are comfortable with the level of communication and support you may receive. Based on my personal experience, I found it extremely difficult to trust the company because of the ongoing communication problems and the unresolved withdrawal complications that persisted despite repeated assurances from support. While every customer's experience may differ, I would urge others to stay cautious with this company before they end up losing access to their money completely.

I have a Capital One Aspire Cash issued in Canada. It can't be used in Apple Wallet which for me is a big minus. All my transactions were declined while trying to book for a trip in Asia - another big minus. Regarding this issue, customer service says "it must be them"