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 had card fraud in the first three weeks and I was out of town for my Father-in-laws funeral. After the service we were on our way to the burial and stopped to get gas. My card was declined and I called Capital One which put a hold on my card for unusual card usage. I had no cash and a limited amount of time to get to the burial in another town hours away. After being on the phone for 45 minutes and hearing how they were sorry and should have called me but didn't, I was able to get a one time ATM withdrawal and head to the burial. We lost too much time and did not arrive until the service was over and my wife was devastated. Capital One unlike most banks, does not identify their card transactions with an ID until after the transaction has been processed. We were out of town and my mobile banking had many transactions but all of them were labeled pending transaction not Sears, WalMart or Texaco. When I called and asked why every transaction was not immediately identified they said if I call them they can tell me what each one is but I won't know until they finish processing which could take up to three days. WOW! NOBODY DOES THIS. You have to carry your paper register around with you and update it constantly or a transaction may not get caught for several days. Even the fraud group told me I needed to wait for the fraud transactions to finish processing before they could do anything and again I say WOW. The employees at every level of Capital One could not explain to me why their software does not ID transactions instantly like all other banks have been doing forever. I finally called Shylundrya (201) 421-3925 at the executive level at Corporate to finally get ANY kind off resolution to the fraud and get some money back in my account. The lack of ID with transactions has been a major complaint by Capital One customers and they plan to fix it in a YEAR OR SO! We miss you Dad..
I'm closing my capital one bank account since oct 8, but it didn't got closed till now with a 0 balance, i got a new bank fee and because of that a overdraft charge, no one to whom to speak, no bank manager available, always away for lunch, vacation, holiday etc, no one to help me on the phone too.