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.
capital one .com invited me to sign up for credit tracker.. yesterday I did and today I get email of change in my score. therefore today I log on to capitalone.com only to find NO LINK to the service now that I had signed up.. better yet customer service (nonservice) said they couldn't help me with it because the tracker is provided by a third party. So once again capital one is only interested in signing you up for something with no intent to ever service the idem.
Yes, they are a money-fee hungry beast. ING was great but now that they merged with Capital One, you should dump them both or expect fees that touch the legal limits.
Go to a Credit Union, they are fair and easy to join these days. Capital One and ING now enjoy a revenue model that caters to people with no options..You can do better.*