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Capital One Customer Review

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silver6054's Profile Image

5 out of 5 marks

Reviewed by silver6054

May 13th 2012

Credit Card Customer Service Is Great, Banking Staff Responsive

I have had two credit cards with capital one for several years. No problems. They gave a generous credit limit and a low interest rate (i pay off each month anyway, but a low one is nicer to have) which they lower from time to time without me asking. Once i forgot to make a payment on time, and they refunded the late fee without any problem (and didn't report the late payment to any of the credit bureaus. )

the only thing that was annoying was that there was no way of setting up auto-pay on line (which is why one payment was late! ). You can request a form using the online account, but the form is sent to you via mail, and you have to sign and return it the same way. When my daughter set up an account a few months ago, she had to to do the same thing, but in the last few weeks they have finally added this feature online. I recently opened two online bank accounts with capital one, no problems there once i managed to get the accounts open. They have a lot of rules, and funding the initial deposit from my online bank of america account didn't work, so i had to send in a check. Took longer than i liked to set up, but now all is fine.

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Other Capital One Reviews

Bogus2014's Profile Image

Reviewed by Bogus2014

Dec 21st 2014

1 out of 5 marks

Capital One - Worst Bank I Have Ever Used - Total Fail

I had card fraud in the first three weeks and I was out of town for my Father-in-laws funeral. After the service we were on our way to the burial and stopped to get gas. My card was declined and I called Capital One which put a hold on my card for unusual card usage. I had no cash and a limited amount of time to get to the burial in another town hours away. After being on the phone for 45 minutes and hearing how they were sorry and should have called me but didn't, I was able to get a one time ATM withdrawal and head to the burial. We lost too much time and did not arrive until the service was over and my wife was devastated. Capital One unlike most banks, does not identify their card transactions with an ID until after the transaction has been processed. We were out of town and my mobile banking had many transactions but all of them were labeled pending transaction not Sears, WalMart or Texaco. When I called and asked why every transaction was not immediately identified they said if I call them they can tell me what each one is but I won't know until they finish processing which could take up to three days. WOW! NOBODY DOES THIS. You have to carry your paper register around with you and update it constantly or a transaction may not get caught for several days. Even the fraud group told me I needed to wait for the fraud transactions to finish processing before they could do anything and again I say WOW. The employees at every level of Capital One could not explain to me why their software does not ID transactions instantly like all other banks have been doing forever. I finally called Shylundrya (201) 421-3925 at the executive level at Corporate to finally get ANY kind off resolution to the fraud and get some money back in my account. The lack of ID with transactions has been a major complaint by Capital One customers and they plan to fix it in a YEAR OR SO! We miss you Dad..

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capital1NO's Profile Image

Reviewed by capital1NO

Nov 25th 2014

1 out of 5 marks

No Costumer Service At All!!

I'm closing my capital one bank account since oct 8, but it didn't got closed till now with a 0 balance, i got a new bank fee and because of that a overdraft charge, no one to whom to speak, no bank manager available, always away for lunch, vacation, holiday etc, no one to help me on the phone too.

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