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Capital One Customer Review

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Linkous's Profile Image

1 out of 5 marks

Reviewed by Linkous

Apr 16th 2012

Organizational Practices Make Life Difficult For Their Customers

Over the course of the past year i have had a number of very annoying experiences with co. The first was when i went to make a furniture purchase with my debit card. The purchase was declined, not becuase of insufficient funds, but because i had reached my "daily limit". This daily limit was arbitrarily set by co and it was about 20% of my total balance at that time. My purchase was $60 over my "daily limit" and they refused to process the transaction. They did offer that i hadn't made any atm withdrawals that day and could go to the atm and get out up to $500. I was told by co that this is a practice of all banks. I spoke shortly thereafter to a vp at a bank and is responsible for the integration of banks they acquire and he had never heard of this practice at any other bank. Other incidents include having trouble making a payment on a co car loan. I would make the payment online and co would cut a manual check and mail it to another co divisoin. It would sometimes take up to two weeks for the check to clear and i was totally unaware of this until i got calls that my payment was late. Mind you a payment to my macy's account cleared in three days. This week my debit card was very cut off. I had no idea until my card was declined. I called cusomter service who told me that there was a security concern and they were sending me a new card. I had no notice of this, no email to my online account, nothing. Further when i asked about the security breach i was given no info. Their security practices are very confusing. My card will get declined for security verification on $150 purchase in ohio (i live in md) but no such need for verification when spending thousands in vegas. I nearly always expect my card to be declined when i'm out of state. Note the customer service people are always as helpful as they can be. Its the bank practices that are terrible.

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Other Capital One Reviews

mtello1's Profile Image

Reviewed by mtello1

Sep 23rd 2014

1 out of 5 marks

They Will Close You Account For No Reason

I have been with them for a long time. I just received a letter that they will close all my accounts with no reason given.

Is this review helpful? ▲ Yes 1 ▼ No 0

musicman3204's Profile Image

Reviewed by musicman3204

Oct 4th 2014

5 out of 5 marks

Convient/Best rewards

I've been with Capital One Bank for over two years now and a credit card customer for more than 10 years. I have never had a problem with this bank. It is super easy to avoid fees with this bank as I have never been charged a fee with them in my 2 year history. A few years back I had to move from one state to the other for work and ran low on funds.

The customer service representative with the credit card customer service refunded all of my late fees/overdraft fees and gave me a credit to give me a little extra money to spend on my big trip. The reason he gave me was simply because of my continued business Capital One wanted to reward my loyalty. I love the cash back on my credit card and I love the no hassle rewards points I earn simply for using my debit card.

I even earn no hassle rewards for using bill pay and writing checks or using the ATM. I am always rewarded for my continued support and business with Capital One. This bank is easy to do business with.

Is this review helpful? ▲ Yes 1 ▼ No 0

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