First off, i was with chase before i had decided to test out capitalone. A family member recommended capitalone to me since he had no issues with them. I made the mistake of applying for an account online. When i completed the online application, i received my confirmation e-mail letting me know they would decide in 3-5 business days. I never received a call, e-mail, or mail letter three weeks after. So, i decide to just go to the branch and figure out what's going on. Apparently, there was an account set up under my name before but was never used, so a "review" was required to verify my identity and make sure nobody had fraudulently opened the account. The bank employee even said that i should have never opened the account online as the online customer service really sucks. Anyway, the review process took another 3 business days before i was told that everything checked out okay (i knew it would) and that my account was ready. Took about two weeks to receive my debit card and checks, which both came separate. This is where the drama began, mainly dealing with online customer service once again. The alerts on my account began not working, so i sent an e-mail to customer service. They escalated it to the web team, whom never replied. It took me four phone calls (one i was hung up on immediately after they asked how they could help) and a branch visit just to hear "it'll be fixed soon. " soon is not defined as two months, capitalone. I eventually just gave up and settled for the 15+ e-mails i receive every time my statement is out or duplicate e-mails for any other alert. Besides all the drama, capitalone is a subpar bank. Fees are ok, their points program seems very cheap, atms are not conveniently located, their mobile app needs updating, but their bank employees are the best. I would not recommend capitalone, especially for those who want a lot to offer from online and mobile services. Ugh, i am going back to chase.
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