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
I had an issue with a transaction after ordering an item online. Carissa was very helpful with solving my issue. She stayed on the line with me for over an hour and went above and beyond with a three-way call with the company I ordered an item from. She assisted me with a conflict I had while on the three-way call. Carissa was very polite and helpful. I cannot thank her enough for helping me.
I have two accounts at Capital One because of the ease of sending bank to bank transfers. They were years ahead of their competitors on this. However they now have fallen far behind in terms of online service. Today was only the last in a chain of events that will lead me to move my accounts. When i did not receive my 1099, i assumed i would be able to access one online. When i couldn't find it, i tried to use the chat function on customer service, but it was "not available.
I wrote an email, for which i received no response within 24 hours, not even an automated response that my email had been received. I then tried online again and after several minutes of q&a was told there was no way to receive my 1099 except via regular mail. (not online, fax or email) she then told me to go back and write another email requesting a replacement 1099. When i balked she said she could request it for me (not sure why she didn't do this initially).
After waiting five minutes, i asked her if she was still there. She then responded that i should receive my replacement 1099 in two weeks. Two weeks? This would be such an easy thing to put online. All the information is available there, just not the tax form. I use several banks and this is the only one that does not make these tax forms available online.