Capital one has terrible customer service. First, i have "opted out of overdraft protection" on my checking account, which should mean that if i don't have enough money in my checking account, the transaction is rejected (which is what i want)
second, i still get whacked with overdraft fees a couple times a year, even though i've "opted out" at least 4-5 times in the past 5 years. Third, they flat-out refuse to reverse the bogus fees because of fictional "technicalities". (once they told me that the "opt out" doesn't apply to weekends.
Another time, they said it doesn't apply to credit transactions, only debit) seriously, guys? Fourth, i have a savings account with them that has never gone below $3000. They refuse to link the savings account to the checking account and simply take the "overdraft" from my savings account. They are a terrible bank to deal with.
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.
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.