Capital One Locations in Your Area
Capital One Bank has 458 branches in their region. This traditional brick and mortar bank is an established bank that has presence across at least one state, and most likely uses an ATM network, but we are not aware of it.
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Learn more about Capital One
Capital One Bank was established May 1933. That's more than 50 years ago! It holds assets of 360 billion US dollars. This is considered a large national bank that most likely serves a large portion of the country. A point to consider when choosing a bank is it's health. This bank appears to be healthy. It has a texas ratio of 4%. Lower is better!
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Latest Customer Reviews
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Reviewed By helensfogliano81 Feb 6, 2019
Drive Thru
I love Capital One Bank, except for one thing. About 2 months ago the drive thru window was closed down and I was told that they were having difficulties getting the part needed. I am 81 years old and handicapped and I rely on a drive thru for making deposits. They tell me to call them when I am outside and that they will come out and get my deposit and handle it that way...but I know if it is busy they will not always be able to do it. The nearest Capital One Bank is about 8 miles from me, whereas the Route 58 bank is only one mile from me. I really do not want to switch banks, but may have to if they are not planning on fixing the drive thru, which I don't think they are going to do since they now have an ATM machine there. There are a lot of senior citizens and handicapped citizens in this area and I really think they should reconsider accommodating them. Thank you for listening. Helena Sfogliano
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Reviewed By Carm365 Jan 26, 2019
Worst customer service experience in my history of banking!!!
Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest"
My experience as a Capital one customer was en unpleasant one, en unpleasant experience that went on for several days, placing me in a position where ones professional composure could be saturated, provoking unprofessional behavior. The Uncomfortability of the service made me experience inconveniences that could have been avoided, if the situation was managed with a different approach of service and understanding. Customers are more then just a Dollar sign you capitalize from, their Guest, who's concerns should be addressed respectfully so that strong business relationship could be forged with the opportunity to forge strong relations come referrals. Customer centric should be the way that representatives define service to drive business.
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Reviewed By babyphace214 Jan 9, 2019
Your money is NOT SAFE at this bank.
Capital One has horrible customer service and policies. There were $500 in fraudulent charges made via my checking account. Capital One makes you waits 10 business days to receive a provisional credit of the funds pending their investigation. Bank of America, Chase, and basically every other bank I've ever banked with credit your money back IMMEDIATELY. Meanwhile, I've already paid bills from this account. So I'm screwed. Your money WILL NOT BE SAFE AT THIS BANK.
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Reviewed By babyphace214 Jan 9, 2019
Your money is NOT SAFE at this bank.
Capital One has horrible customer service and policies. There were $500 in fraudulent charges made via my checking account. Capital One makes you waits 10 business days to receive a provisional credit of the funds pending their investigation. Bank of America, Chase, and basically every other bank I've ever banked with credit your money back IMMEDIATELY. Meanwhile, I've already paid bills from this account. So I'm screwed. Your money WILL NOT BE SAFE AT THIS BANK.
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Reviewed By JaeEm Aug 8, 2017
Something shady is going on...
Coincidence that my bank card was frozen after I left a not so great review on a job recruiting website? Never been overdrawn for the 6 years I had my account and when I went to a branch to ask why they froze my card nobody could tell me why because I had money in my account. How petty is that? Only thing good about this checking account is the atm fee reversal. Don't worry I'll be leaving soon and cutting up my credit cards too! Good try though haha. Shady business.
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Reviewed By jrwilson1946 Jul 24, 2017
Very poor company do do business with
Capital One is a very bad company to deal with. If you pay on your account through your bank with Electronic Payment or with Electronic Check, 2 or 3 days before due date, Capital One accounting office will delay posting the payment anywhere from 3 to 13 day claiming you did not pay your account on time thus charging you late fees, higher interest rates and derogatory remarks on your score thus lowering your credit score. When speaking with a customer service rep, it is obvious that they are reading from a script and are trying to up sell you to their online payment system which will increase their profit and in the end will cost you more. I will never again recommend this company and once this card is paid off, never will they have any on my business.
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Reviewed By newuser1 Aug 11, 2015
Just opened an account
I have a Capital One Platinum Card, and thought I would give this bank a try. I read all the reviews on here, and I was surprised, 90% of them show 1 star! I sure hope their customer service has improved since those reviews were done. I will start doing business with them since I opened a checking and savings account. Believe me, I monitor my account every day, and if I see anything I don't like, I will go back to my credit union. I will update my review after a few months of dealing with them. Good luck Capital One, you can do it! (Austin, TX)
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Reviewed By americanabroad Aug 3, 2015
Excellent service for credit card holders traveling overseas
I'm an American living abroad and have needed to call Capital One on several occasions. Without fail, their customer service representatives have been patient, knowledgeable and efficient. The cash back feature of their Quicksilver VISA cards is generous, and there is no international fee, a huge savings since we live outside the U.S. most of the year. I'm happy to recommend the card to others.
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Reviewed By jackiem44 Jul 11, 2014
Horrible Nightmare Experience With Capital One Bank!
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.
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Reviewed By jackchesley Mar 13, 2016
scumbags
Well, it's too bad that Capitol 1 took over my local bank (Chevy Chase Bank) where I have been banking for 20 years. I have little to add other than one more example of rapacious money-stealing practices:
We had a joint CD with an overseas couple for about 15 years... my wife died and the overseas couple wished to cash in the CD instead of renewing it when it came due. The dirtbags would NOT let me cancel it as executor in my wifes name... they insisted on a notarized statement from overseas, which could not be done in the limited time frame... SO THEY FORCED THE RENEWAL AND THEN CHARGED ALMOST $1000 IN "EARLY WITHDRAWAL PENALTY", not just canceling a few months interest, when it was moved to another bank. This is criminal.
BEWARE! of Capitol One!!!
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Reviewed By Beeware Jul 20, 2016
Be very carefull before you do any business with them!!
I had them as my mortgagee and business checking accounts for many years. I had never paid them late nor was my property under performing. I did have a few negatives on my credit report at that time. I called them to do a refinance of my property and was honest with them on why i wanted to do this. It was to clean up some debt that I had incurred due to a family members tragic accident that I suffered through for 2 years. I was completely honest with them and they sent my account to special assets and I was harassed for financials like I would have never imagined. I spent many years with them and sent them so much business but felt so betrayed at the time I needed them. I would never ever recommend using this bank. They have ZERO care for any customer no matter how long you have been with them. They put me through hell and back for a few months it was probably illegal but Im just a nice person and don't sue anyone. I would retire at my young age before I ever do any business whatsoever with them. I still have fear when I see their branches. Find a small local bank that cares
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Reviewed By QueZee Apr 20, 2016
Capital One Banking
My family has been banking with Capital One ever since they bought out First NBC Bank. Wife and I are both medically retired and closed all our credit cards years ago. We lived on a check/debit card and cash. One day we went into a local branch on Hwy 59 to replace our check card. We usually replace them as a safety measure due to fraud annually. When we signed the book to speak with a bank employee we noticed a couple of names we knew that were presently being seen. We were called next as they finished and sat down at the same desk as they were. We explained out reason for the visit and gave our information. A few minutes passed and we were informed of a computer error and asked if we would mind speaking to another agent across the bank. We gathered or identification and crossed over to the other side. We started over at another computer with another agent. After ordering the new cards we were asked if we wanted a Capital One credit card. Initially we declined until we were given examples of the benefits of paying our mortgage with the credit card then paying the card. We decided to apply for the Capital One Credit card. After receiving the card we noticed we could not access the card through our usual webpage accounts. We called customer service for help accessing the credit card side. We were instructed to go to another webpage and to download another phone app. We made our first payment on the card and everything seemed to work fine. Soon after we unexpectedly had to go out of town. While out of town we decided to make a payment using the phone app for the first time. Not noticing that the app had switched the accounts that the draft payments would be coming out of. We made 2 of these phone app payments while traveling. Once we were back home we made another payment using the computer which also drafted from the wrong account. The second payment from our computer mysteriously switched back to the right account. Capital One froze all our accounts after they were notified of the incorrect drafts from a account that NEVER should have been connected to ours. We found out that this was an old account that one of us was signed on to but removed from two years ago. Someone didn't do their job unlinking this account from ours. We have several accounts and are guilty of not paying attention to what account was linked every time we made a payment. We didn't have a clue what was going on until the bank called. We started investigating what was going on and found the wrong account was linked then blocked from allowing drafts. The funny thing is we NEVER had that account number to know all the numbers. The bank insists that we knew the numbers to manually input them into the app. We beg to differ because we didn't input ANY of the accounts we have, they were already there. Well after speaking with several Capital One employees and being threatened with FRAUD over not noticing where the money was being drafted from we decided to bank elsewhere. An investigation was opened and we were cleared of any wrongdoing by the police detective due to others substantiating we never should have had access to the past old account and that it should have NEVER been linked to our accounts. The credit card customer service agent told me that you can put ANY account you want into the program and the money will draft from it. I said ANY ACCOUNT NUMBER? The response was YES as long as you know all the numbers. Basically you can pay your credit cards with ANY ACCOUNT you can get the numbers to until someone notices. WOW!! And they wonder why they have FRAUD! How can you allow anyone to have access to your account to pay a credit card?
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Reviewed By TrainerC Mar 30, 2016
Great for Credit Cards and Mortgage. Not very good for checking and poor integration.
I have had great experience with Cap One credit cards and obtaining a mortgage. They have increased my credit lines, payments are applied timely, and service is excellent. The mortgage process with them is simple and the rates and fees are very competitive and beat everyone else.
Their websites and apps are very good, unfortunately if you have regular Capital One checking, it is on a different website from the mortgage and another for the investment accounts.
Capital One Checking has some major issues. #1 is the lack of transparency with deposit clearing and overdraft coverage. Most banks tell you exactly when your finds will be available, but with Capital One, it is a bit of a mystery. They don't offer a line of credit to cover overdrafts. you can opt in to overdraft coverage at a cost of $35 each, and they will cover overdrafts at their discretion. I have free checking because of my mortgage but I stopped using it for these reasons.
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Reviewed By babyphace214 Jan 9, 2019
Your money is NOT SAFE at this bank.
Capital One has horrible customer service and policies. There were $500 in fraudulent charges made via my checking account. Capital One makes you waits 10 business days to receive a provisional credit of the funds pending their investigation. Bank of America, Chase, and basically every other bank I've ever banked with credit your money back IMMEDIATELY. Meanwhile, I've already paid bills from this account. So I'm screwed. Your money WILL NOT BE SAFE AT THIS BANK.
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Reviewed By PatrickP Jun 8, 2018
TERRIBLE customer service
After six months of being patient trying to work through a dispute with Expedia I ended up closing the account. This is not a company that will fight for its customers. I paid to have a flight rescheduled that was then cancelled by the airline (fun times trying to outrun Hurricane Maria...) Neither the airline nor Expedia would work with me on a refund. Capital One drug this out for SIX MONTHS and I patiently worked with them (shame on me). After six months they told me that it was too long to pursue this any further and washed their hands of it. I cancelled the card with $130 in points left on the card which they would not refund me. Hopefully they use it for personality training for the supervisor who handled my case because she has NONE.
Peace out Capital One, I won't be back. We transacted over $60K annually through that card and were never late on payments. I went to Citibank, got the same 2% rewards with no annual fee. And... and... wait for it... they have free TRAVEL INSURANCE in case crap like this happens to you! Pick another card and another company. This one isn't for you.
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Reviewed By khuscher Mar 21, 2018
Would leave 0 stars if possible.
Have a credit score of 750 so it took Capital One about 4 seconds to approve me, and that's about where the only quick action took place. My first card was never delivered to my house, so I called and requested another. Second card also never showed. When I called to request a third, I was heavily doubted as the authentic cardholder so they locked my account. When I tried to unlock my account it only made it worse as they then "restricted my account". They recommended that I send a photo copy of my passport, SS card, and utility bill so they can verify my identity, or I can visit a bank to have them verify my identity. Went to my own BOA, who said they could not and had never heard of such a practice. Fine, whatever, I'll put this on my list of things to do later. This morning I get a bill from Capital One for $619. Looks like my card was not only stolen but whatever "locking" or "restrictions" placed on it were never actually done. Spent over an hour this morning talking with the Capital One fraud team about next steps. Will spare you the details but two suggestions they offered were to "go to the SS administration office and get a new SS card" (which sounds speedy and quick) or to "drive around to different banks to see if one will verify my identity" (which sounds like a colossal waste of time). Pretty much in a rage at this point and after speaking with three different managers they explained they'd run a full investigation and if the charges were indeed fraudulent, they'd waive the charges and would love to send me a new card. Keep in mind I never received either of the two cards that I requested.
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Reviewed By carolynshaver15 Jun 16, 2017
New to Capital One Bank
If I could give zero stars, that would be my option. I recently moved to Baton Rouge, LA. I did some research on banks before deciding to switch to a local bank. Well, I should have done more research.
I went to open a new account and deposited over 1100.00 in the account to open it, with moving to Baton Rouge, that 1100.00 was to pay my rent. I get paid two weeks later and have a paper check that needs to be deposited into the account. So I drive to the bank to deposit the check and try to get money back to make a payment. Well, the teller tells me that I couldn't get any money back unless I have that amount available in the account. Then ask me is that OK? Well, what am I supposed to do, you just told me I couldn't get any money. I say fine and she sends out my deposit slip. Here is where the unbelievable what the hell is going on moment happens. Not only did they put a hold on the ENTIRE CHECK, they broke it up into 3 different release dates.
Mind you, I'm new to town, by myself, no family...just me, just paid 1100.00 in rent, and doing everything I can to make it to payday so that I could have money to put gas in my car. The realization set in that I won't have any money until it's released. So, I'm pretty stressed out at this point. I call customer service and get a lady who had no desire to help me at all. I explained to her that I have bills that need to be paid, I need gas for my car and what am I supposed to do. Her response... well, the account is less than 30 days old and we have the right to hold your funds until they are released. I asked her why it wasn't explained to people up front, that they will hold your check. Now, I've seen places hold the partial check and still leave you enough money to function on, but never the whole check!!! Again, what am I supposed to do? I ask her to let me speak to a manager and she says, they won't be able to do anything for you. So, I hang up on her and at this point I'm hysterical!!!
So, after I calm down, I call back and demand to speak to a manager the guy that answered the phone, said he could get me a manager, but first if I could explain to him what was going on, maybe he could help. So, again I explained my situation and in the conversation he states he can release 200.00 of my funds. Well, why didn't the other person offer that. That would have at least helped to get me through till the rest of the funds were released. He then said he would get a manager on the phone. In the end they did at least release part of my funds to me. At least I can make it a little while longer.
The point is, they should make people aware of the fact UP FRONT that their funds will be held, that they will be broken up into 3 different increments and that you should be prepared for that.
I am done with Capital One Bank at this point and will be closing my account!!!
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Reviewed By pshults Jul 19, 2016
Terrible customer service
We opened an online Spark Business Checking account with a deposit of $2,000 and simultaneously applied for Spark Business credit cards. I was using the 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 5 days after that. Nearly a month later, after making another $7,500 in deposits, I accidentally discovered 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, along with incurring a returned check fee from the third party. After three phone calls and an email with Capital One, the only customer service gesture they offered was waiving their own insufficient funds fee and and magnanimously informing me that my funds are now available. Gee, thanks! I'm moving our account to a neighborhood bricks and mortar bank as fast as I can. Bottom line, 1) you can't trust the mobile app; 2) forget all their marketing hype -- Capital One is much more concerned about preventing fraud than in delivering good customer service.
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Reviewed By Amaster Jul 15, 2016
Capital one racism
The branch in Glendale, N.Y. has this teller who kept me waiting several minutes while she ranted against Hispanics (myself, included, I guess), with a customer she was very chummy with. Then when she concluded her hysterics she pronounced loudly who she was going to vote for and that she was not a racist. I don't know who she was trying to convince, me or her conscience. Finally, a nice manager came to assist me because she saw how long I was waiting for access to MY money. I guess she has only seen educated Hispanics on National Geographic. Horrible experience.
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