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Capital One Customer Review

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JaredP's Profile Image

2 out of 5 marks

Reviewed by JaredP

May 22nd 2012

Horrible online customer service/tools, limited mobile options, need better ATMs, but bank employees rock.

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.

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Other Capital One Reviews

NOT2therescue's Profile Image

Reviewed by NOT2therescue

Jul 17th 2014

3 out of 5 marks

Credit INCREASES rarely happen

I have two Capital credit cards for over seven years. I apply for an increase every two years and I am declined. I have no history of ANY late payments for 7 years straight. I talked with a supervisor about it. I was given a $100.00 increase on 1 (one card) and the other card was declined an increase.

Credit Cards that I have had for less than 3 years gave me an availability of $1000.00 after a year on some card I got to $2000.00- $6000.00. I pay on time and before the due date.

Check this out: When I had a fico score of 740 Capital denied my increase. I was given an increase of 100.00 with a fico score of 680. My availability remains under $700.00 with Capital. Seven years of credit card history is nothing to Capital.

MY Belief: To gain an increase with Capital requires a certain income. Typically above 60K, history of on time payments PLUS a fico score in the 700's.

I will be ending my relationship with Capital soon!.

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jackiem44's Profile Image

Reviewed by jackiem44

Jul 11th 2014

1 out of 5 marks

HORRIBLE Nightmare experience with Capital one bank!

I have (had) three accounts with Capital one bank; a savings account, a premier checking acct and a high yield checking account. On July 2, 2014, I called to close out the Saving account as it was no longer needed. The savings account was closed out. On Monday July 7th, when I logged into my account not only was my savings closed out (which I had requested), but my Premier Checking was closed out as well! I had numerous NSF charges and a return items from my homeowners Insurance (auto deduct)!!! I called Capital one and spoke with a Manager and was told they closed the account. I proceeded to tell her I NEVER asked for this account to be closed. She indicated she would reopen account and all would be fine with my Premier Account, but indicated I would not see the change on my side for a day or two. On Wednesday, I logged into the account and it was still closed out and the balance on the account being mailed to me. I called and spoke with the same manager again, ONCE Again we went thru the same scenario of telling them I NEVER asked for the account to be closed out. With 3 returned checks and a denial for auto deduct on Home Insurance, I demanded Capital one call each of the accounts with NSF, with me on the line and explain the issue was CapitalOne' s fault, which she did.The account was reopened on Wednesday, July 9th. I called the "executive customer service team" (703)720-2500 and issue was still not resolved. I have done everything in my power to resolve this, but the headaches, the time taken and the utter frustration, not to mention embarrassing when a $30 check to my doctor is returned NSF!!!!

And now, This morning, Friday July 11th, the account was Closed AGAIN, without my permission, without checks being cleared!!!!

This is way beyond incompetence...my week has been a living nightmare due to CapitalOne Banks total disregard for resolving this issue. This is inexcusable and I would NEVER suggest anyone do business with Capital One Bank.

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