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Capital One Customer Review

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Tonic's Profile Image

3 out of 5 marks

Reviewed by Tonic

Jan 14th 2013

Capital One online bank is the worst among many online banks

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. Most likely that�¢ï¿½ï¿½s what

I�¢ï¿½ï¿½ll do despite good terms they offer in general.

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Other Capital One Reviews

superfluous's Profile Image

Reviewed by superfluous

Jul 31st 2014

1 out of 5 marks

Worst Banking Experience Ever

I have a line of credit on checking account and now for the second time the bank returned items presented for payment and then charged me numerous NSF fees. When trying to clear up the line of credit issue with the bank, I was told that I did not have a line of credit for my checking account -- the bank's records did now show that I applied for nor did I have a line of credit on my account. Fortunately, I had a copy of a letter from CapitolOne stating that my line of credit had been processed for my account. I took me a week to resolve this issue with this bank. They have terrible customer service and will not admit to their errors, only keep charging you more and more banking fees. I am now going to close my account and warn anyone else to NOT OPEN AN ACCOUNT WITH CAPITAL ONE BANK.

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NOT2therescue's Profile Image

Reviewed by NOT2therescue

Jul 17th 2014

3 out of 5 marks

Credit INCREASES rarely happen

I have two Capital credit cards for over seven years. I apply for an increase every two years and I am declined. I have no history of ANY late payments for 7 years straight. I talked with a supervisor about it. I was given a $100.00 increase on 1 (one card) and the other card was declined an increase.

Credit Cards that I have had for less than 3 years gave me an availability of $1000.00 after a year on some card I got to $2000.00- $6000.00. I pay on time and before the due date.

Check this out: When I had a fico score of 740 Capital denied my increase. I was given an increase of 100.00 with a fico score of 680. My availability remains under $700.00 with Capital. Seven years of credit card history is nothing to Capital.

MY Belief: To gain an increase with Capital requires a certain income. Typically above 60K, history of on time payments PLUS a fico score in the 700's.

I will be ending my relationship with Capital soon!.

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