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.
Their accounts and credit cards are not consolidated even for business banking. So you have logins for every different credit card holder and the main company. Ridiculous! Of course they don't tell you this when enrolling (this was last month, not years ago). They say upgrades are coming soon.......
Capital One Bank international wire transfer service is horrible since they merged with Chevy Chase Bank. Their international wire transfer service hour is 9 am to 2 pm. weekday.
(they do not international wire transfer on Saturday). I am working full time but I took the day off on Friday and went to Capital One Bank and do completed international wires transfer. However, the banker called later and said it is declined because banker did not put to wire purpose.
I do not understand why they need to know for transfer purpose, it is my money and will be withdrawal from my account (actually for my family support). They already checked my drive license and I got copy of transferred receipt, I asked them if they can fax to me I can put my signature and re-fax to them. But they denied my suggestion and told me that I have to stop by bank again. They should provide all information and make sure their job before customer finally stepped out of bank door.
This is second time, I got rejected. Last time, another Capital One branch banker made type error it also rejected. I never have seen like that before any of poor customer services. It is terrible and stupid banking system!!!