Review Insights · App Store
Capital One Mobile
Capital One · 10,581,371 ratings · ★ 4.8
4.8
★★★★★
10,581,371 ratings
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Top complaints - extracted from 27 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"card"
11 negative reviews mention this · 41% of all complaints
★★★★★ "Horrible. I’ve been with this bank for a long time. I’m not sure what management changes they have made, but they epically failed! They deny charges, I’ve had issues getting my money out. I was in Europe and I couldn’t used my debit card, nor find an…" - Bswenshill
2
"bank"
7 negative reviews mention this · 26% of all complaints
★★★★★ "Horrible. I’ve been with this bank for a long time. I’m not sure what management changes they have made, but they epically failed! They deny charges, I’ve had issues getting my money out. I was in Europe and I couldn’t used my debit card, nor find an…" - Bswenshill
3
"credit"
6 negative reviews mention this · 22% of all complaints
★★★★★ "Do not recommend. I have the quicksilver card. The cashback rewards on this are nothing compared to my other ones. They won’t even upgrade to the savor without trying to run my credit. When I applied in 2021, it said no annual fee for quicksilver. They don’t…" - Sweets and Ty
4
"capital"
5 negative reviews mention this · 19% of all complaints
★★★★★ "Do not recommend. I have the quicksilver card. The cashback rewards on this are nothing compared to my other ones. They won’t even upgrade to the savor without trying to run my credit. When I applied in 2021, it said no annual fee for quicksilver. They don’t…" - Sweets and Ty
5
"account"
5 negative reviews mention this · 19% of all complaints
★★★★★ "This App is frustrating. I keep having to delete this app so I can log into my accounts to make payments but then I get locked out for too many attempts when I am only attempting one time. I just want to log into my account, see my purchases, and pay my bill. This …" - FoEpUnX
6
"horrible"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Unhappy. Should have never switched to discover its horrible" - Please fix asap !!!
7
"long"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Horrible. I’ve been with this bank for a long time. I’m not sure what management changes they have made, but they epically failed! They deny charges, I’ve had issues getting my money out. I was in Europe and I couldn’t used my debit card, nor find an…" - Bswenshill
8
"money"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Horrible. I’ve been with this bank for a long time. I’m not sure what management changes they have made, but they epically failed! They deny charges, I’ve had issues getting my money out. I was in Europe and I couldn’t used my debit card, nor find an…" - Bswenshill
9
"nothing"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Do not recommend. I have the quicksilver card. The cashback rewards on this are nothing compared to my other ones. They won’t even upgrade to the savor without trying to run my credit. When I applied in 2021, it said no annual fee for quicksilver. They don’t…" - Sweets and Ty
10
"trying"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Do not recommend. I have the quicksilver card. The cashback rewards on this are nothing compared to my other ones. They won’t even upgrade to the savor without trying to run my credit. When I applied in 2021, it said no annual fee for quicksilver. They don’t…" - Sweets and Ty
11
"frustrating"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Frustrating app. Hard to navigate this app. Am I in the credit card? Shopping app? Bank? Idk. Latest snafu, double paid my cc payment. Did not present that I had a payment already scheduled. Yuck. Already stopped using it. Looking forward to paying off the …" - SuzyL214
12
"credit card"
3 negative reviews mention this · 11% of all complaints
★★★★★ "Frustrating app. Hard to navigate this app. Am I in the credit card? Shopping app? Bank? Idk. Latest snafu, double paid my cc payment. Did not present that I had a payment already scheduled. Yuck. Already stopped using it. Looking forward to paying off the …" - SuzyL214
📋 All 27 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
Horrible
I’ve been with this bank for a long time. I’m not sure what management changes they have made, but they epically failed! They deny charges, I’ve had issues getting my money out. I was in Europe and I couldn’t used my debit card, nor find anywhere to get money. I’m looking for a new bank
Do not recommend
I have the quicksilver card. The cashback rewards on this are nothing compared to my other ones. They won’t even upgrade to the savor without trying to run my credit. When I applied in 2021, it said no annual fee for quicksilver. They don’t tell you they have a capital one fee you have to pay. I do not recommend Capital One. If I don’t get an upgrade, im shutting this card down. Not worth the sorry cashback percentage.
Gay
App crashes and locks me out, annoying
Can’t turn off two factor authentication
The app and website don’t have anywhere to turn off 2FA
Frustrating app
Hard to navigate this app. Am I in the credit card? Shopping app? Bank? Idk. Latest snafu, double paid my cc payment. Did not present that I had a payment already scheduled. Yuck. Already stopped using it. Looking forward to paying off the card.
Card Not Showing
Not all of my capital One cards appear in app, which is affecting Apple Pay and was fine prior to new iPhone purchase!
Credit limit
No matter what I do how responsible I am I am denied a credit limit increase. If it wasn’t for the length of credit history these cards would be closed!
DO NOT BANK HERE, YOUR DEBIT CARD IS WORTHLESS
It’s via the discover network now so enjoy having it declined all the time for no reason!!!! For whatever dumb reason they’ve decided that you don’t need an actual debit card anymore I guess, so instead of your Mastercard, you get a useless discover card. Prepare to be screwed over by this anytime it matters. Thanks for nothing. What a joke.
Shopping feature crashes
Starting around 2 months ago, Capital One offers that they keep pushing out keeps crashing after they redirect me to my phone browser. If you’re going to advertise something prominently, you should at least make sure it works.
This App is frustrating
I keep having to delete this app so I can log into my accounts to make payments but then I get locked out for too many attempts when I am only attempting one time. I just want to log into my account, see my purchases, and pay my bill. This is beyond frustrating.
Not an app issue
Opening an account was super easy, but then when a cashier accidentally put too much money on the card for a large purchase, my card was then locked. I send my ID, several bank statements and several pieces of mail. I had just moved so I kept being told that the mail either wasn’t recent enough or wasn’t the right type of mail. Apparently my ID and bank statements weren’t enough. Then when I tried to close the account and pay it off, the payment was sent back to me and I was hit with a late fee. When I called it get an exception on the late fee since there was no reason my money was sent back, they wouldn’t make an exception. Now I owe a late fee and I still don’t have this whole situation behind me yet.
Horrible
Horrible bank. No one is on the same page
Garbage
Title speaks for itself
WORST BANK
Miserable experience. TERRIBLE SUPPORT. Endless maze trying to reach someone on the phone. DO NOT GET A CREDIT CARD!
English
Get people for support who speak English properly and don’t have 30 kids in the back making noise to the point I can’t hear.
Won’t generate virtual card
App won’t generate virtual card. I click the button to create virtual card, and app says something wrong please try again later.
Such fail
Such fail
Worst customer service ever
Now that I have Capital One accounts including credit cards for a few years I am changing my rating to one star. If I could put zero stars, I would. Customer service agents are rude, they act as if you’re bothering them. When trying to get credit for products not received if you don’t do it in a timely matter, they don’t even wanna listen to you. Even on your credit cards if you don’t ask them for a refund in a timely matter for product not received you can kiss your money goodbye. I am a cancer survivor and unfortunately, during chemo treatments I didn’t keep up on products ordered, products needing to be returned or products not received. When I was able to contact Capital One with a clear head, I was told it’s too late and even had a customer service agent chuckle under his breath as if to say sucks to be you. As soon as I am able, I will definitely be canceling my checking and savings account. My advice is to stay away from Capital One at all costs. They obviously have grown too big for their britches.
Avoid this credit card at all cost !!
"It is frustrating that a company claiming to be a tech leader has such a broken verification process. Even with an excellent credit score (810), my application was denied simply because their system ‘could not verify my identity.’
The worst part isn’t the technical glitch; it’s the lack of a modern solution. Instead of allowing me to securely upload documents through the app-like Apple Card or Amex-they sent me a physical letter asking me to mail documents to an office in Salt Lake City. It’s 2026, not 1990.
They wasted my time and hit my credit report with a hard inquiry for absolutely nothing. If you value your time and have a high credit score, don’t bother with Capital One. Apple and American Express are light years ahead in terms of efficiency and customer respect."
The worst part isn’t the technical glitch; it’s the lack of a modern solution. Instead of allowing me to securely upload documents through the app-like Apple Card or Amex-they sent me a physical letter asking me to mail documents to an office in Salt Lake City. It’s 2026, not 1990.
They wasted my time and hit my credit report with a hard inquiry for absolutely nothing. If you value your time and have a high credit score, don’t bother with Capital One. Apple and American Express are light years ahead in terms of efficiency and customer respect."
Long process
Takes forever to get account unrestricted for no reason
App
When I open the app it takes its sweet time to load. I don’t have all day.
Will be canceling card
When needing to redeem points on a road trip for a hotel wouldn’t allow. Called Reps and they couldn’t help. One rep mentioned to just pay for the hotel full cost and get points. But then when I looked to see when I wanted to redeem it was $70 verses saving over $150 on booking a hotel to redeem points.
Poor APP
The ask me to add a phone number, I added and it gets rejected saying phone number not valid.
APR
Said the Apr was 0 for 15 months. Started charging immediately.
This bank sucks
It’s literally terrible you can’t use this card for anything it’s always unavailable for this bank
Unhappy
Should have never switched to discover its horrible
Pushing Friends
Stop asking me to refer friends every day emails and every time you open the Capitol One App. You can’t turn it off. Too much pushing my friends to join. Everyday. Annoying.
Decent App poor customer service
The app is pretty good although it lacks a few things. Like the ability to give a nickname to my kids youth account. The check deposit limits should be increased for those with long term high balance accounts.
Sentiment summary
97%
Positive (4-5★)
1%
Neutral (3★)
2%
Negative (1-2★)