My wife closed the checking account we had for long time on April 20, 2012. She withdrawed all the money we had on the account and the person bank associate, who worked on this, stated that account is closed. Gone. In about one week we received the letter saying that the bank made a payment from that closed account on April 23, 2012 and we are responsible for that overdraft and fee. Total about $1100. How come? My wife called the customer service 5/3 and the person she spoke was very rude and, finally, told her that " I have nothing to talk to you". We opened the account with Greenpoint Bank. Than it became North Fork Bank and, finally, Capital One. I don't remember the Greenpoint Bank had the same rules and, even more, the person, who closed our account last month had to aware us to stop all automated payments manually. Nobody said a word. I never really liked how this bank works, but after this we strongly recommend to stay away from Capital One Bank.
We have been w Cap One for about 5 years. Yesterday we stopped at our Cap One branch on Old Denton road in Carrollton for a notary. We were refused service because the notary told us Cap one only notarized Cap One documents. Previously I had docs notarized several times at this branch. About a year and a half ago we moved the bulk of our funds to Chase due to problems getting cashiers checks for RE transactions. Seemed like the person that could sign the check was always hard to find or out of the office. They to top it of the receiving banks HOLD Cap one cashiers checks for 3 days to clear. Something about the type of check Cap one issued at that time. Further they did not offer online wire transfers which make this whole process easier. We are giving up on Cap One they just don't understand
what customer service is.