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Capital One 360 Customer Reviews

(205 Reviews)
2 out of 5 stars
5 Star 41
4 Star 16
3 Star 9
2 Star 21
1 Star 118

The Most Helpful Capital One 360 Reviews

The most helpful favorable review
Reviewed By mbb500 Aug 18, 2015

Excellent choice for online savings and moving money

We have moved 11 times since 1970 so have had experience with many small, mid and large banks. We were building a home in 2006 and funding much of it with our cash. Found ING Orange (now CapOne 360) and it was the only choice that gave reasonable interest and allowed us to move large sums to our builder (up to 6 figures) with a simple "push" from the website. Currently use it for savings with various goals and the ability to create "sub accounts" is very handy way to keep from commingling funds and violating our own rules and goals. Have never had an issue that involved customer service in 9 years.

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The most helpful critical review
Reviewed By Caasmom Nov 22, 2013

Unfair Banking Business-Do Not Trust this Bank! Long story short, Bank closed Account, No notification or warning!

We all make mistakes, and I am willing to pay the consequences. But the way this bank handled my account was unheard-of. My husband and I were in the process of trying a new budget system for our family. I got my own checking account with CO360 and he would keep our original joint checking account with CO360 then transfer money to my linked account so that I would know exactly what I had to spend. In the change over, there were two automatic monthly draft bills that came from my account. At the time, the overdraft was maxed out and so CO360 sent me an email that said, We went ahead and paid this for you but if this keeps happening, we will close your account. I got one email on Sept. 12 and one on Sept. 18 for the two drafts. Once I realized this was happening, I immediately called CO360, explained the drafts were changed and this would not happen again. They said that was fine. One day in early November, my card was lost and I ordered a new one. The card arrived, I spoke to a customer service person to activate new card. Not a word was said about account status. I went to buy gas. Card denied. Called CO360 to find out why, said account was closed and money in account was sent to another checking account they had on file. (an account that was also closed when I opened this one so I went through a mess trying to find my money in electronic limbo!) When I asked why, they said it was because of NSF charges from September! Two months later. No warning, No call to ask where I wanted my money sent, No notification to this day (Nov. 22) except the call that I made that day. Only chose this bank if you want this to happen to you. I would have gladly paid a fee for the NSF rather than have this happen. Changing to another friendly online bank. Jeers to CapitalOne 360. I liked you better when you were INGDirect!

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Latest Capital One 360 Reviews

  • D
    Reviewed By Drg623 Aug 22, 2016


    The most ridiculous practices of any bank I have EVER dealt with. Fraud services are downright rude and acusitory. They locked my account to verify against fraud AFTER holding a deposit check for 6 days, then wanted to contact the person writing the check and me to provide the contact info. Oh and they won't give you a last name but expect you to reveal account info, social security, date of birth and the phone number for the person on the check. Again all after the check had cleared!!! If it was fraud don't you think the writers bank would have questioned it? Closing my account and my credit card account and moving on. Never again #capitolonecustomergoesbyebye

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  • R
    Reviewed By raisadiaz Aug 10, 2016

    Worst bank I have ever had

    As per my own experience this is the worst bank you can ever have. Deposits take too many days to take effect. And the day they want to close you r account they do it without previous notice you simply find out once you try to use your card and it's decline so you call the bank and find out that they will be closing your account. Then on top of that they will retain your money for more than 10 days so if you have all your money in that account be ready to financially struggle for more than a week, doesn't matter how many calls you make to try to explain you need the money they really don't care. They don't care about their account holders

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  • J
    Reviewed By jleondude123 Aug 4, 2016

    Capital one? More like CAPITAL NONE!!!

    I just registered for a bank account of Capital One 360. The registration was pretty much simple. I just got a check and I deposited it on my account. Also simple. However, things started to get crazy. Today. I just got an email that I need to verify my personal info within the next 10 days or they will close my account for good. I called them, and I gave them my personal details. Few minutes later, the caller said that the verification of my account failed. They are closing my account with no reason whatsoever. WTF!!!!! I gave them the right details to verify my account and they won't verify it? That is some BS. I'm finding another bank now. SCREW CAPITAL ONE.
    This horrible bank does not care about anyone but themselves. They should change the bank name to Capital None. I will never go with this bank again.

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  • P
    Reviewed By pshults Jul 19, 2016

    Terrible customer service

    We opened an online Capital One Spark Business Checking account with a deposit of $2,000 and simultaneously applied for Spark Business credit cards. I was using their mobile app to monitor our checking account, and it showed that the full amount was available to us after 3 business days. I wrote one check for just over $200 8 days after our first deposit. Nearly a month later, after making another $7,500 in deposits, I accidentally discovered on the Capital One 360 site that Cap One had frozen our account six days after we opened it, and our first check had bounced. When I called customer service, they informed me that they had sent an email 30 days ago notifying me that my account was "restricted." It so happened that I had received a phone call from Cap One fraud department that same day regarding our Spark credit cards and I satisfied the agent. I assumed the two events were related, and the issue was handled. Wrong. Totally unrelated to the checking account. Meanwhile, no notice of the "restricted" status of our checking account ever appeared on the mobile app. No more Capital One emails, never a phone call. Capital One just sat on our frozen $9,500. Meanwhile, I suffered the embarrassment of bouncing our first check and incurred a returned check fee from the third party. After three phone calls and an email with Capital One customer service, the only gesture they offered was waiving their own insufficient funds fee and magnanimously informing me that my funds are now available. Gee, thanks! I'm now moving our account to a neighborhood bricks and mortar bank as fast as I can (hope not to experience the challenge getting our money back out that other reviewers have posted). Bottom line, 1) you can't trust their mobile app; 2) Capital One is NOT a single entity, and the right hand doesn't appear to know what the left is doing - it's really easy to get tripped up between sites/groups; 3) forget all their marketing hype -- Capital One seems much more concerned about preventing fraud than in delivering good customer service.

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  • S
    Reviewed By simpleExpat Jul 12, 2016


    These people are thieves. My friend thought she had an account opened and funded. Credit card. Upon secondary review the account was closed and monies retained. They claim that the person attempting to open the account isn't verifiably real and (ANOTHER ***INNOCENT SENIOR CITIZEN*** CAUGHT IN THE POLITICAL CROSSFIRES.))) This innocent lady also had redirected social security and va thinking the account was opened and good to go. Well CAPITOL One BLACKLISTED her telling the va she was not verifiable and recommend stopping va pension because she lives outside the united states. They won't release the monies back to the bank from which the original.

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  • A
    Reviewed By ambram2595 Jun 26, 2016

    great customer service and great credit cards

    I go with capital one for my credit cards and they are an awesome company with great customer service! I definitely would recommend getting a credit card with this company

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  • T
    Reviewed By tamaramc Jun 2, 2016

    Capital One 360 very bad customer service

    I have been a long-time customer of this online bank. The time that I needed their help to wire MY $$ to pay off my mortgage, they TOTALLY let me down. Their system did NOT work when I tried to send a cashiers check and they completely refused to wire the money, even though, they were able to make this happen in certain situations - like YOUR SYSTEM DOES NOT WORK!

    Totally got the runaround and after an hour of frustration, I am dumping them.

    Do NOT be a customer of this bank. When you need them, they will not be there to help you.

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  • T
    Reviewed By timauthee Apr 28, 2016

    Love Capitol One 360 - not the "original" Capitol One

    Opened a Capital One "360" business account two months ago and am very pleased. The staff are great (a bit relaxed in their behavior but great non-the-less). Only negative: their initial deposit takes 10 business days even after they receive the external transfer and 5 days on later transfers.

    Of note, I don't like the original Capitol One (without the 360), I've had numerous problems over the years and just had another.

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  • D
    Reviewed By dcadams07 Apr 22, 2016

    I love it!

    I have been interested in online banking for a while, but I never could get approved for an account. I finally found Capital One, and all is well. When you call customer service, a real person that shares my native language answers the phone within 3 minutes, evertime. I have called multiple times, and they continue to surprise me with excellent customer service. I couldn't be happier with my account. I'm a middle class 27 year old that's trying to start a business, and this is the perfect solution for me. I read all of the bad reviews online, but to be honest, my first mobile deposit took 5 days to clear, and my second one took four. My third, however, cleared at midnight that night. I was a little worried about that after reading these reviews, and these people should come back and update those. Give them a try. You won't regret it.

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  • B
    Reviewed By BankingBetty Apr 1, 2016

    Great Customer Experience, Easy App, NO FEES Ever

    I love this bank! I have a Capital One 360 checking account and multiple Capital One 360 savings accounts. I have been with this bank for 2.5 years. I became a customer during the merger between ING Direct and Capital One because of the overwhelmingly positive customer reviews of ING Direct.

    I have not been disappointed. Capital One 360 has provided helpful and friendly customer service whenever I have had a question, and, when my wallet was stolen, they replaced my debit card overnight, free of charge. I LOVE that there are seriously no fees, and I have never experienced an issue with unexpected fees (which was a problem for me at previous banks). I really like the All Point ATM network; I have access to so many more ATMs than my friends or coworkers. I appreciate the high interest rate on my savings accounts (although I'm aware there are definitely higher ones out there now) and that none of the accounts have minimum balance requirements. Mobile check deposit has been very convenient for me. There was one frustrating time when I had to deposit a check that was over the mobile deposit limit, but the customer service rep I spoke with informed me I could now take the check to a Capital One branch and deposit it. There is a branch right by my work, which turned the frustrating process into an actually quite easy one, and the check was deposited in my savings account instantly--no hold time!

    Lastly, I like how this bank makes it super easy to save and manage my money. As I said, I use multiple savings accounts at this bank, and transferring funds between accounts is easy and instant (I've use the app and the browser experience for transfers). You can write notes on the transfers, which I use to help track how I'm managing my money. There are other little touches that remind customers to be saving money, which I really like; for example, when you call their customer service line, the automatic greeting says, "Hello, Saver!" before you're connected with a human.

    I've tried several banks--brick-and-mortar and online--and I'm really happy to have found a banking home at Capital One 360. Capital One, please continue to keep the ethos of ING Direct alive for your customers!!

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