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.
Tried to process a simple domestic wire transfer. It took over one and half hours to process. #badbank
I'm done with them. Closing my accounts.
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.