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.
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.