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Capital One Report Card

Overall rating score 37%
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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

bbudreau's Profile Image

Reviewed by bbudreau

Apr 15th 2014

1 out of 5 marks

larger the company the worse the service

capital one .com invited me to sign up for credit tracker.. yesterday I did and today I get email of change in my score. therefore today I log on to capitalone.com only to find NO LINK to the service now that I had signed up.. better yet customer service (nonservice) said they couldn't help me with it because the tracker is provided by a third party. So once again capital one is only interested in signing you up for something with no intent to ever service the idem.

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JP100's Profile Image

Reviewed by JP100

Apr 8th 2014

1 out of 5 marks

I have been with ING for years, no more since the Capital One merger

Yes, they are a money-fee hungry beast. ING was great but now that they merged with Capital One, you should dump them both or expect fees that touch the legal limits.

Go to a Credit Union, they are fair and easy to join these days. Capital One and ING now enjoy a revenue model that caters to people with no options..You can do better.*

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