MyBankTracker rated Capital One based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
I've been a loyal customer of capital one for around 15 yrs and for that loyalty capital one increased my interest rate to almost 35%!!! I questioned why and was fobbed of with a generic answer so i asked why i had such a high rate when my house mate applied for a card with them, just 12 months after getting a ccj and has an interest rate almost half that of mine - again a generic response along the lines of we can't discuss another account... I then went to the ceo of capital one to ask why they were treating me in this way and yet again i received a generic get lost response from their executive office - as the ceo can't even be bothered to look at my complaint personally. All in all capital one seem to favor people with bad debt or poor credit history offering them preferential interest rates and sting there long term loyal customers to cover the risk. Staying loyal to this company means nothing and as with other reviewers i have to agree that their customer service is diabolical,
if you have a poor history then maybe they are for you but once they class you as a loyal customer expect to be stung and stung hard
my account will be closed by the end of this month and i will never use or recommend capital one to anyone.
I had an issue with a transaction after ordering an item online. Carissa was very helpful with solving my issue. She stayed on the line with me for over an hour and went above and beyond with a three-way call with the company I ordered an item from. She assisted me with a conflict I had while on the three-way call. Carissa was very polite and helpful. I cannot thank her enough for helping me.
I have two accounts at Capital One because of the ease of sending bank to bank transfers. They were years ahead of their competitors on this. However they now have fallen far behind in terms of online service. Today was only the last in a chain of events that will lead me to move my accounts. When i did not receive my 1099, i assumed i would be able to access one online. When i couldn't find it, i tried to use the chat function on customer service, but it was "not available.
I wrote an email, for which i received no response within 24 hours, not even an automated response that my email had been received. I then tried online again and after several minutes of q&a was told there was no way to receive my 1099 except via regular mail. (not online, fax or email) she then told me to go back and write another email requesting a replacement 1099. When i balked she said she could request it for me (not sure why she didn't do this initially).
After waiting five minutes, i asked her if she was still there. She then responded that i should receive my replacement 1099 in two weeks. Two weeks? This would be such an easy thing to put online. All the information is available there, just not the tax form. I use several banks and this is the only one that does not make these tax forms available online.