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've been with Capital One Bank for over two years now and a credit card customer for more than 10 years. I have never had a problem with this bank. It is super easy to avoid fees with this bank as I have never been charged a fee with them in my 2 year history. A few years back I had to move from one state to the other for work and ran low on funds.
The customer service representative with the credit card customer service refunded all of my late fees/overdraft fees and gave me a credit to give me a little extra money to spend on my big trip. The reason he gave me was simply because of my continued business Capital One wanted to reward my loyalty. I love the cash back on my credit card and I love the no hassle rewards points I earn simply for using my debit card.
I even earn no hassle rewards for using bill pay and writing checks or using the ATM. I am always rewarded for my continued support and business with Capital One. This bank is easy to do business with.
We have been w Cap One for about 5 years. Yesterday we stopped at our Cap One branch on Old Denton road in Carrollton for a notary. We were refused service because the notary told us Cap one only notarized Cap One documents. Previously I had docs notarized several times at this branch. About a year and a half ago we moved the bulk of our funds to Chase due to problems getting cashiers checks for RE transactions. Seemed like the person that could sign the check was always hard to find or out of the office. They to top it of the receiving banks HOLD Cap one cashiers checks for 3 days to clear. Something about the type of check Cap one issued at that time. Further they did not offer online wire transfers which make this whole process easier. We are giving up on Cap One they just don't understand
what customer service is.