I had been with chevy chase bank for 15 years , back in 08 capital one acquired chevy chase and within a year had completely changed all locations over to cap one - well everything was fine , but i was skeptical the whole time i was dealing with cap one - last year i received a notice from the state about my taxes for the year of 2007 - they claimed i hadn't paid my taxes for that year - so i looked into it and contacted the state about what it was exactly that saw wrong with my taxes , my records indicated i did pay taxes to the state that year - i never questioned it though , because i knew there was a high possibility that my records could have been wrong - so after a few months of the state not contacting me ,
i suddenly received a notice from the state declaring that if i didn't pay the tax amount they were requesting (2897. 00 ) - then they were going to levy my bank account - so abruptly i called the state to take care of the issue - after further review , i had realized that for the tax year of 2007 , i had originally sent in my 1040 to the irs along with my payment , later ( about a week) i realized i had done my taxes wrong - so i sent in a 1040 x which is an amended tax statement with the right figures posted - i then received a acknowledgement from the irs that they had my 1040x and it was under review and within a week they sent me the overpayment back alone with an amended return and a statement agreeing with my figures -
so in january of 2011 i received this first letter from the state about the tax amount owed , i responded ,and in june of 2011 i received a lien notice - so i called the state again , after wrangling around with a few of the state tax department heads they finally sent me to the dispute dept , in which the young lady there took a look at my forms i had faxed over proving the 1040x amended tax statements for 2007 - she concurred that the state was wrong and found i owed no more taxes and promptly contacted the bank who was notified of the lien date by the same means as i
I've been with Capital One Bank for over two years now and a credit card customer for more than 10 years. I have never had a problem with this bank. It is super easy to avoid fees with this bank as I have never been charged a fee with them in my 2 year history. A few years back I had to move from one state to the other for work and ran low on funds.
The customer service representative with the credit card customer service refunded all of my late fees/overdraft fees and gave me a credit to give me a little extra money to spend on my big trip. The reason he gave me was simply because of my continued business Capital One wanted to reward my loyalty. I love the cash back on my credit card and I love the no hassle rewards points I earn simply for using my debit card.
I even earn no hassle rewards for using bill pay and writing checks or using the ATM. I am always rewarded for my continued support and business with Capital One. This bank is easy to do business with.
We have been w Cap One for about 5 years. Yesterday we stopped at our Cap One branch on Old Denton road in Carrollton for a notary. We were refused service because the notary told us Cap one only notarized Cap One documents. Previously I had docs notarized several times at this branch. About a year and a half ago we moved the bulk of our funds to Chase due to problems getting cashiers checks for RE transactions. Seemed like the person that could sign the check was always hard to find or out of the office. They to top it of the receiving banks HOLD Cap one cashiers checks for 3 days to clear. Something about the type of check Cap one issued at that time. Further they did not offer online wire transfers which make this whole process easier. We are giving up on Cap One they just don't understand
what customer service is.