Ive never had any problems with capitol one. Until recently when i closed my account about one month ago, today i recieved a statement of a $0 balance. This happened to my mother as well, who closed her account almost a year ago. It seems like your account will be closed but then suddenly reactivate in the future. Moral of the story is; beware of opening an account w/ capitol one, because you may not be able to close it.
I open my account when I moved to Texarkana. Later I moved to Nash, Tx and I used the bank there. They are most helpful with any matter I've taken to them. They are friendly and courteous and I believe they are most oriented towards customer service. My only problem is that there is not a branch near where I live now, in Wichita Falls, TX or close to my Mother's house in Oklahoma City. I still have my account with Capital One and will continue to business with them.
I charge over 3K a month on my credit card... ASK me how many times they deny a charge at the same places I shop on a weekly basis!
And their customer service department doesn't understand why I am upset.
Far better choices to choose from then Capital One