I had been with Chevy chase bank for 15 years , back in 08 capital one acquired Chevy chase and within a year had completely changed all locations over to cap one - well everything was fine , but I was skeptical the whole time I was dealing with Cap One - last year i received a notice from the state about my taxes for the year of 2007 - they claimed I hadn't paid my taxes for that year - so I looked into it and contacted the state about what it was exactly that saw wrong with my taxes , my records indicated I did pay taxes to the state that year - I never questioned it though , because I knew there was a high possibility that my records could have been wrong - so after a few months of the state not contacting me , I suddenly received a notice from the state declaring that if I didn't pay the tax amount they were requesting (2897.00 ) - then they were going to levy my bank account - so abruptly I called the state to take care of the issue - after further review , I had realized that for the tax year of 2007 , I had originally sent in my 1040 to the IRS along with my payment , later ( about a week) I realized I had done my taxes wrong - so I sent in a 1040 X which is an amended tax statement with the right figures posted - I then received a acknowledgement from the IRS that they had my 1040X and it was under review and within a week they sent me the overpayment back alone with an amended return and a statement agreeing with my figures - so in January of 2011 I received this first letter from the state about the tax amount owed , I responded ,and in June of 2011 i received a lien notice - so i called the state again , after wrangling around with a few of the state tax department heads they finally sent me to the dispute dept , in which the young lady there took a look at my forms I had faxed over proving the 1040X amended tax statements for 2007 - she concurred that the state was wrong and found I owed no more taxes and promptly contacted the bank who was notified of the lien date by the same means as I was &ndas
I have two Capital credit cards for over seven years. I apply for an increase every two years and I am declined. I have no history of ANY late payments for 7 years straight. I talked with a supervisor about it. I was given a $100.00 increase on 1 (one card) and the other card was declined an increase.
Credit Cards that I have had for less than 3 years gave me an availability of $1000.00 after a year on some card I got to $2000.00- $6000.00. I pay on time and before the due date.
Check this out: When I had a fico score of 740 Capital denied my increase. I was given an increase of 100.00 with a fico score of 680. My availability remains under $700.00 with Capital. Seven years of credit card history is nothing to Capital.
MY Belief: To gain an increase with Capital requires a certain income. Typically above 60K, history of on time payments PLUS a fico score in the 700's.
I will be ending my relationship with Capital soon!.
I have (had) three accounts with Capital one bank; a savings account, a premier checking acct and a high yield checking account. On July 2, 2014, I called to close out the Saving account as it was no longer needed. The savings account was closed out. On Monday July 7th, when I logged into my account not only was my savings closed out (which I had requested), but my Premier Checking was closed out as well! I had numerous NSF charges and a return items from my homeowners Insurance (auto deduct)!!! I called Capital one and spoke with a Manager and was told they closed the account. I proceeded to tell her I NEVER asked for this account to be closed. She indicated she would reopen account and all would be fine with my Premier Account, but indicated I would not see the change on my side for a day or two. On Wednesday, I logged into the account and it was still closed out and the balance on the account being mailed to me. I called and spoke with the same manager again, ONCE Again we went thru the same scenario of telling them I NEVER asked for the account to be closed out. With 3 returned checks and a denial for auto deduct on Home Insurance, I demanded Capital one call each of the accounts with NSF, with me on the line and explain the issue was CapitalOne' s fault, which she did.The account was reopened on Wednesday, July 9th. I called the "executive customer service team" (703)720-2500 and issue was still not resolved. I have done everything in my power to resolve this, but the headaches, the time taken and the utter frustration, not to mention embarrassing when a $30 check to my doctor is returned NSF!!!!
And now, This morning, Friday July 11th, the account was Closed AGAIN, without my permission, without checks being cleared!!!!
This is way beyond incompetence...my week has been a living nightmare due to CapitalOne Banks total disregard for resolving this issue. This is inexcusable and I would NEVER suggest anyone do business with Capital One Bank.