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.
IF YOU WANT PROBLEMS BANK AT CAPITOL ONE...YOU WILL GET BS AND EXCUSES....JUST UNBELIEVABLE..
I had been an Orchard Bank cardholder for 13 years with a perfect history. Capital one acquired my credit card account and problems began instantly. I was not able to access my account on line after being railroaded into the downward spiral of capital one. My Orchard Bank Mastercard expired in May of 2013, and the incompetent capital one finally sent me a credit card in February after contacting them 13 times. I still am not able to access and manage my account on line. I continued to make prompt payments by US Mail and demonstrated my integrity. Capital one has yet to assist me to access my account on line. The BBB was contacted (they of course are equally as pathetic) and I had a call from the capital one executive office. The idiot who contacted me is completely incompetent and I'm sure needs help dressing himself before his ride to work on one of those short buses where the riders lick the windows. Don't waste your time with Capital one, they are the bottom of the heap. Capital one has no customer service whatsoever. Please learn from my terrible experience, and don't have anything to do with these mentally deficient idiots!!