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.
Tried to process a simple domestic wire transfer. It took over one and half hours to process. #badbank
I'm done with them. Closing my accounts.
I have a line of credit on checking account and now for the second time the bank returned items presented for payment and then charged me numerous NSF fees. When trying to clear up the line of credit issue with the bank, I was told that I did not have a line of credit for my checking account -- the bank's records did now show that I applied for nor did I have a line of credit on my account. Fortunately, I had a copy of a letter from CapitolOne stating that my line of credit had been processed for my account. I took me a week to resolve this issue with this bank. They have terrible customer service and will not admit to their errors, only keep charging you more and more banking fees. I am now going to close my account and warn anyone else to NOT OPEN AN ACCOUNT WITH CAPITAL ONE BANK.