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 would just like to say that I do not care for Capital One's TV commercial with Samuel L. Jackson! I find it very offensive that he comes into my house and has to use the word "damn" to me and my children to try and get a point across.
For this reason alone, I will never do business with this bank in any form or fashion! When they send me their garbage in the mail, I plan to cut every bit of it up and send it back to them in their postage paid return envelope and let them incur the cost.
I hope others who feel the same way will join me and send a message to Capital One that this is not how you do business with the public.
The current commercial with Samuel Jackson is absolutely revolting and embarrassing. After seeing it aired over and over again, and our children expressing their shock when they said, "That man on there is cussing!" We have decided to never do business with Capital One ever again. The language on this commercial is not necessary. It may be no big deal to many people, but why offend anybody when that kind of language is just not necessary. Go away please!