MyBankTracker rated Capital One based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
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
During the short sale process, the Capital One ask me several documents. I have submitted all documents right a way. But each time after I submitted documents they never give satisfactory answer why still they are not approving my short sale! They just silent. I was keep calling them, but I did not get any right answer, why they are not approving ! It was very frustrating and painful to work with the Capital one. Who did not approve my short sale! I loose my house. Never take mortgage or line of credit from this bank. You will not get any help.
During the short sale process, the Capital One ask me several documents. I have submitted all documents right a way. But each time after I submitted documents they never give satisfactory answer why still they are not approving my short sale! They just silent. I was keep calling them, but I did not get any right answer, why they are not approving ! Everyday they said we will respond you by tomorrow or next week. They never respond me. If I call them they said whatever they talked with me previously they are not true. I told them the name and number that I spoke with the person, but they did not give me a right answer. It was very frustrating and painful to work with the Capital one. Who did not approve my short sale! I loose my house. Never take mortgage or line of credit from this bank. You will not get any help.
I dont really write reviews but after my last experience I just had to. I have been a capital one customer for about 6 months now. I have had to deal with their customer service only twice during this time. The first time was due to being unable to log on to my online account. I called and the rep was actually very nice, polite, and helpful. He had me up and running in 5 minutes or so. Due to this first pleasant experience I will give them 2 stars. But just recently I received a letter in the mail stating that there may be some fraudulent activity on my credit card. So of course I give them a call. After being transferred about 3 times and waiting on hold for 20 minutes I eventually found myself speaking with one of the most RUDE customer service reps I have ever dealt with. His mic made him very difficult to hear, almost as if he was calling from a cell phone. Did I mention he blamed me for the poor reception even though I was calling from a home phone. He would eventually be so rude during the account verification process that I had to ask him "ARE YOU SERIOUS". As I said before, I did receive a very polite and helpful rep the first time I dealt with their customer service. So it may just be who you talk to. But I will say that if I am deal with another rep with this sort of attitude, I will be taking my business somewhere else.