I have had a credit card account with capital one for over 3 years now. First-off, they started my account with one-fifth (that's right, literally one-fifth) the credit limit that other reputable banks were offering. None the less, i thought it would be nice to try and support a lean e-commerce organization (i'm an it nerd and yes these things weigh in my decision-making) and that i could build my history with them and they would then be willing to provide me with a more normal credit line. Anyways, i literally curse the day i thought it would be a good idea to get a capital one card. Over the past 3 years i have faced the following issues -
1) they would not increase my credit limit despite repeated phone and online requests and despite holding my account in immaculate condition
2) my account gets hacked on a quarterly basis and i have to sit undoing the charges by filing disputes and doing the needful paperwork
here's the last straw that broke the camel's back - in jan 2012 my account again got hacked. I got tired of dealing with them and requested that my account be closed. I was assured by their dispute officer that not only has the dispute been settled but they will close my account completely. In the following month all my regular vendors were able to ding that very same credit card despite it being "closed". Since it was closed, i did not bother checking until i got a late payment email from capital one. After over 22 hours of phone follow-up trying to make them understand that i was not liable for making payments that occured wholly due to miscommunication on their part i finally had to anyways pay the entire amount. My lesson learnt - never again deal with a non brick & mortar company. I wanted to share this experience with everybody out there. Even if it deters one person from giving these scumbags business i will think i made a difference in making the world a better place..
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.