2007 capital one allowed a family member to open a credit card using my identity.I filed a police report and filed for a fraud investigation through capital one. I got denied they said I was liable I continued my battle all the way until today where I broke down and paid the debt in full. I didn't even have the account number and never lived in the state or residence of which they allowed this card to opened. The fraud dept hung up calls many times denied me a true and fair dispute.

I have sent in by fax my POA three times. THREE. They claim they never get any of them and refuse to talk to me about my husbands account. This is the most terrible customer service and when I wanted to speak to a supervisor, they refused! DO NOT GET A CARD THROUGH THEM!

Capital one now puts profits before the consumer. Their policy is to clear and post debits first and deposits last. They also will post a check and debit immediately even after business hours, and will NOT post a deposit even if it comes in the same time until the next business day. This is an attempt to generate fees for the bank. If you have a direct deposit come in at the end of the day and after business on Friday, while it will be available for you to withdraw from an ATM, it will not post until end of day Monday. That means if a check comes in Friday after business hours it will bounce and you will be charged $35.00. This is because they only post checks immediately, not deposits. THIS IS AN UNFAIR SYSTEM STACKED AGAINST THE CONSUMER! SHAME ON CAPITAL ONE BANK!

During the month of November I went on a vacation to Barcelona with only one credit card, my Capital One. Earlier in the month I had activated this card - I had it since the beginning of the year but had not used it yet. The activation was confirmed. Two weeks later I called Capital One and told them of my travel plans and that I was going to use their card in Spain. On the night of my departure I tried to use the card for dinner at SFO. It was not authorized. After dinner I called Capital One I asked why payment was denied. I told them this was the only card I had for my week long trip and I only had $300 in cash with me. Two representatives of Capital One could not help me and I was passed off to a supervisor that informed me that since I hadn't used the card for a year, it was permanently de-activated,. I informed him that I activated the card that month and also told them I was using the card in Spain - why had not either of those representatives informed me of the deactivation'. He could not answer that question;. I asked for an emergency reactivatiopn

. He refused and told me the only way to activate the card was to re-apply and provide necessary documents.. I explained to him that my plane was boarding in 10 minutes:. He was totally unsympathetic and refused to help'. Fortunately my hotel was pre-paid so I just had to be very careful with my funds, which meant several meals at McDonalds!! When I returned I opened an email dated the day I left that told me I was a valuied client and Capital One is dedicated to helping me avoid a financial inconvenience at home or abroad". Nice bank to deal with, no? Lawrence Lee

Today, I found out that one of the deposits did not show up in the bank statement, I was panic. I called Capital One Bank at (800)655-2265, Cindy Elzie was the one helping me, she helped me with her patience and professional knowledges, she really did a good job by finding out the cashier from Sunnyside Branch had posted this deposit into a wrong account. Cindy fixed it all. Just want to say thank you to Cindy Elzie, you are great!!!

The other day I arrived with a hefty check (almost 6 figures), drawn off Capital One. Things went good, things went sideways, things got confusing and I got flustered.

I left bummed out, with a single cashier's check, and I went to another bank (Comerica) where I intended to deposit the check. My family has banked at this institution since the days of Caeser. The customer service at this bank location flat out SUCKED. The tight-jawed lady I spoke with was happy to inform me that they automatically place a 14-day hold on all checks, even cashier's checks. I thanked them and returned to Capital One.

I met the branch manager and a relationship banker, and I used this large check to open a checking and savings account at CapOne. It was probably the best banking decision I have ever made to date.

Free checking. Free overdraft protection. Next day funds availability. Free bill pay. Free checks (if you still use paper). Interest-bearing on checking and savings. Free ATMs worldwide. I can even freaking transfer CapOne to non-CapOne at no charge.

I am closing out my account with the "somber" people at the Comerica institution and am using my positive experience with Capital One to inform others.

The people at Capital One were polite, kind, respectful, they knew the laws, they offered solid advice, but best of all, instead of "nickel and diming" me the way most other banks do these days, they actually pay me interest to be a customer.

Common sense banking. What a concept. Oh, looky...my funds are available.

Yet again, another dissatisfied, former chevy chase customer (oh, how i miss them) feels the need to sound-off: the only two reasons i have stayed since the changeover debacle i went through are 1-accounts w/auto-pay set & subsequent hassle to change, 2- the unfortunate, but extremely friendly, people who work for this godawful company. At this point, rather than paying an average of $20 - $30/month in fees because i want to use my money in different accounts, i feel they should be paying me to stay for all my time & headaches from resolving issues of their incompetence. Making last payment on last auto-bill this month & then i'm going to kiss greedy cap1 goodbye!

Originally, I had an account with ING when it was taken over by Capital One. At that point service went completely down hill. The final straw was when I closed out my account and had arranged for them to take some actions to make sure direct deposits were not hindered. I had this agreement with three different "supervisors" on three different occasions.

None of this happened and they mismanaged the situation. Rather than take responsibility for their actions they just said "oh well." And, try to get beyond their "supervisors" you get to send an email to a customer service escalation team.

Forget it and don't go anywhere near this bank.

I've placed over 7 calls to Capital One to get my double miles. I was told time and time again that it was taken care of. I kept checking my account, but no miles showed up!! And now I'm told any double miles I earned was lost forever!!!

And the worst part was that he kept laughing in my face, telling me that he was the end of the line. He was his own supervisor and there was no one above him! Totally rude!! I'm very disappointed!!

I've had a Capital One credit card for a couple months. I made a payment thinking I had my direct deposit available however due to some issues with my employer the direct deposit was delayed which resulted in the payment to Capital One not being accepted. I made the payment again a day later when the funds were available and they took the funds out of my account the next day, however they also placed a restriction on my card so I couldn't spend anything due to verifying the most recent payment. I called customer service and they stated that the restriction would be removed within 24-48 hours. It wasn't. I called again and was advised that it can take up to 14 days for that payment verification to take place, even though Capital One had already had my cash in hand for almost a week. The agent tried to verify the funds by calling my bank however, they were unable to do so due to banking privacy restrictions. My issue is not with the customer service agents or with my bank releasing information -- it is directly with Capital one in that they took my payment immediately and withdrew the funds immediately but after a week (and likely more days or another week) they cannot verify that they have my money to remove the restriction on my card account, even though once again, they have had the money in hand for a week. That's like me saying I can't give my customers their groceries for two weeks because the cash they gave me hasn't been deposited yet, and I can't yet see it in my account.