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.
This bank sent out an August promotional letter in which they offered to credit my account $ 200 upon my opening a new business account and using a debit card. Upon my meeting the requirements, they have come up with numerous excuses not to fulfill their part. The agent made me jump through hoops to PROVE that I had met the requirement, faxing her documents, threatening to close the case if I didn't do it " immediately ", then claiming that she read the " fine print", and they didn't yet have to fulfill the obligation for several more weeks. Several more weeks have gone by, and they STILL have not credited my account. They are in total default at this point.
To top it off, they deducted someone else's withdrawal from my account and have
yet to correct that either, although they are FULLY aware of it. I've called 4 times about that also. They say they are correcting, but then I see no correction on
my statement and I call yet again. Each time I call, a new agent answers and promises to correct, then doesn't. They refuse to give you their last name or any
phone number to contact them. It's very odd...they were able to correct a mistake that was advantageous to them, but not to correct their mistake that was disadvantageous to me.
In all my years of dealing with Chevy Chase Bank (over 30), I never had a situation in which I was ignored, dismissed, and arrogantly treated with mistakes (theirs) left uncorrected and fraudulent behavior regarding promotional advertising. They aren't worried because they are so well insulated from any appropriate action against them....Beware...If this is the future of banking, this is scary, folks.
During the short sale process, the Capital One ask me several documents. I have submitted all documents right a way. But each time after I submitted documents they never give satisfactory answer why still they are not approving my short sale! They just silent. I was keep calling them, but I did not get any right answer, why they are not approving ! It was very frustrating and painful to work with the Capital one. Who did not approve my short sale! I loose my house. Never take mortgage or line of credit from this bank. You will not get any help.
During the short sale process, the Capital One ask me several documents. I have submitted all documents right a way. But each time after I submitted documents they never give satisfactory answer why still they are not approving my short sale! They just silent. I was keep calling them, but I did not get any right answer, why they are not approving ! Everyday they said we will respond you by tomorrow or next week. They never respond me. If I call them they said whatever they talked with me previously they are not true. I told them the name and number that I spoke with the person, but they did not give me a right answer. It was very frustrating and painful to work with the Capital one. Who did not approve my short sale! I loose my house. Never take mortgage or line of credit from this bank. You will not get any help.
I dont really write reviews but after my last experience I just had to. I have been a capital one customer for about 6 months now. I have had to deal with their customer service only twice during this time. The first time was due to being unable to log on to my online account. I called and the rep was actually very nice, polite, and helpful. He had me up and running in 5 minutes or so. Due to this first pleasant experience I will give them 2 stars. But just recently I received a letter in the mail stating that there may be some fraudulent activity on my credit card. So of course I give them a call. After being transferred about 3 times and waiting on hold for 20 minutes I eventually found myself speaking with one of the most RUDE customer service reps I have ever dealt with. His mic made him very difficult to hear, almost as if he was calling from a cell phone. Did I mention he blamed me for the poor reception even though I was calling from a home phone. He would eventually be so rude during the account verification process that I had to ask him "ARE YOU SERIOUS". As I said before, I did receive a very polite and helpful rep the first time I dealt with their customer service. So it may just be who you talk to. But I will say that if I am deal with another rep with this sort of attitude, I will be taking my business somewhere else.