Capital one online bank is the worst among many online banks i ever dealt with. And i like to do banking online. They are among the worst in technology they implemented; among the worst in training their call center reps and definitely among the worst in number of errors and issues with their service. Their bill pay service was as bad as it gets with missing payments, using/assigning wrong accounts to source payments and so on. The bank had no idea of what going on at the bill pay service which leads me to believe that they outsourced that service to some unknown third party. My frustration rose to the level of wishing to immediately close all my accounts with them number of times over the last six month i started to use the bank.
I have been with them for a long time. I just received a letter that they will close all my accounts with no reason given.
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.