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Capital One Checking Account Review

2.2
Details
They have also seized my aging mothers funds stating that since I set the account up for her (at their direction) they could do that. Sent them my power of attorney and they still refuse to release funds. Total criminals if you ask me.
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Review
#925035 Review #925035 is a subjective opinion of poster.
Product
Capital One Checking Account
Reason of review
Problems with payment
1.0
Details
Capital one bank does whatever they want to without any accountability what so ever. Their customer service department and the branch personnel will out and out lie to you to get rid of you. Especially the branch manger at the Lemmon Ave location in Dallas, TX. Her...
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1 comment
Anonymous
#1081640

The more consumers complain the more that must be done. Turn these thieves in.

Review
#749962 Review #749962 is a subjective opinion of poster.
Product
Capital One Checking Account
Reason of review
Poor customer service

Capital One in Santa Clara, California - CC Account deactivated because of "fraud" activity - now asking for SSN, DL and utility bill copies !!

1.0
Details
Capital One seems to be the biggest identity thief. For some weired reason, they deactivated my Credit Card Account saying that there was a "Fraud" alert. Why would this happen- I have no idea. But it happend and suddenly. They couldn't give me a reason for this to me. I called them and they asked me several questions - mother's maiden name, ssn, address, phone no, etc. etc. Even after answering everything at last they say that they can't verify my identity and so now I need to send them a copy of my Social Security Number, Driver's License and a utility bill ! I didn't give them this information even while applying for the card, and now they want a copy of all of these ! No thank you, I am not giving away my identity so easily to the identity thief Capital One !! I have had a checking account with them for 8 years now but I think it is time for me to rethink !
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1 comment
Anonymous
#892803

You are an ***. IF someone had used your card fraudulently, I'm pretty sure you'd be blaming them for that too.

Every credit card company is bound by rules and regulations. They ask you to verify your identity to make sure you are who you say you are.

Should this account have been opened by someone using your info, wouldn't you want Capital One to request such info? Or would be you on this forum complaining about how capital one didn't protect your security?

Review
#547249 Review #547249 is a subjective opinion of poster.
Product
Capital One Checking Account
Reason of review
Poor customer service
Loss
$250
Preferred solution
Let the company propose a solution
After 2 weeks of going with a $0.00 balance in my checking account as the poor college student I am, they closed my account without a single email or phone call or letter. This is not the part I am upset about, I didn't know they had closed my account, and I went to...
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Review
#469142 Review #469142 is a subjective opinion of poster.
Product
Capital One Checking Account

Capital One in Dallas, Texas - Bank Did Not Pay Me Agreed Incentive of $200

Capital One Bank ran a scheme to get new checking accounts by offering $200 for opening. I needed to have a direct deposit and maintain my account in good standing. Unfortunately Capital One told me they would not give me the incentive at the end. The banker who opened my account, located at 2525 Wycliff Avenue did not process my paperwork correctly. The branch manager was not interested in dealing with my case and referred me to the client services team. The client services team referred me back to the branch manager and I was stuck in a big loophole and they worked together NOT to pay me my incentive.
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Review
#458122 Review #458122 is a subjective opinion of poster.
Product
Capital One Checking Account
Loss
$200

Capital One in New York, New York - Worst Customer Service in History

I have both credit cards and normal checking and savings accounts with Capital One. Thank god the customer service for these two are different. Customer service for banking is HORRIBLE. Over the years I have had supposed "fraud" on my account and have been reissued new debit cards. You would think this was a good thing. WRONG. Nothing is more annoying than having to log into all your services that reference your debit card for monthly payments and have to change them. So the latest one that has got my panties in a twist was a letter I received a week ago stating that my card was going to be closed and would I kindly activate the new debit card that had been sent to me. All I kept thinking was 'what debit card?' I called customer service and was basically re-told what was already in the letter, like I was incapable of reading. She then preceded to tell me that this was an automated letter and she could see no information on my account that said they were closing my debit card. Sounded fishy. I asked to speak with a supervisor that when asked swore to me left, right, up, and down that my debit card would not be closed. Fast forward to Monday, lunch time. I go to use my debit card and well wouldn't you know, it doesn't work. So as a prudent individual I log into my account to check my balance. I was certain that I had more than enough money to cover my $12 lunch but wanted to make sure before I called. I had enough, so I call. I speak with some woman who tells me that my card has been locked since friday and that someone from the fraud department should have contacted me. No one did. She checks to make sure they have my correct number. They do. She then proceeds to direct my call to the fraud department. I wait on hold for 10 minutes and finally speak with someone. I give them all my personal information only to find out its a 3rd PARTY COMPANY that has nothing to do with my debit card. So I've basically given a complete stranger personal information about myself. So now I'm annoyed. I'm juggling my cell on one shoulder trying to eat my lunch with a pair of chopsticks with the other hand. I get in touch with a second person. Explain what happened. She directs me to ANOTHER 3rd PARTY SERVICE. I again give them all my personal information only to discover that they have nothing to do with debit cards. I call back a 3rd time. I IMMEDIATELY ask to speak with a supervisor. You want to know what he tells me? That if I got the letter than my debit card was going to be closed and that I must have misunderstood what the woman had told me last week. MISUNDERSTOOD?! I'm not sure how I was unable to comprehend a simple answer from a direct question. ME: So my debit card will not be closed? CS: That's correct. Right...and because I don't have hundreds of thousands in the bank NOTHING is going to happen. They don't care if they loose my business.
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Review
#387803 Review #387803 is a subjective opinion of poster.
Product
Capital One Checking Account
Loss
$20000
My wife made a deposit at Capital One into our checking account, and later that day used their online banking to transfer that amount to our savings account. Soon thereafter, we received notice that we would be charged an overdraft fee because of insufficient funds...
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1 comment
Anonymous
#601968

OMG! The same thing happened to me as well!

I just deposited a check on Tuesday and it cleared showing that the $241.00 was AVAILABLE so later the same day I transferred $150.00 to my savings account leaving my checkings at abt $91. Then the NEXT MORNING I was charge TWO sums of $35 one for insufficient funds for the $150 I transferred and the other for an overdraft cause of an automatic payment that came through for a credit card...and I was LIVID because ALL DAY Tuesday when I deposited the check it was stated clearly as AVAILABLE, now is that my fault? So at first they told me the same thing...they could only refund HALF of ONE of the fees. I felt that was a bunch of major *** so I asked for a manager and she only said she can refund one of the fees, so I asked for her manager so now I'm awaiting a callback to work on getting my other $35 return.

I feel that it was NOT MY FAULT it posted the check as available, cause if it shouldn't have allowed me to transfer to begin with if they so call say the funds are "not available till next business day".

My thing is i have been with capital one since I was 17. I'm 22 now and have NEVER EVER been late on credit card payments, had any insufficient or anything negative going on with my accts, so I feel they should respect my seniority and good payment habits and own up to there mistake and give me my money back.

Review
#379909 Review #379909 is a subjective opinion of poster.
Product
Capital One Checking Account

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.
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2 comments
Anonymous
#564166

Consumer bureau dishes first penalties, hits Capital One for ‘deceptive’ practices

By Peter Schroeder - 07/18/12 10:28 AM ET

The Consumer Financial Protection Bureau (CFPB) is ordering Capital One to pay $165 million for engaging in "deceptive marketing practices" as it marketed credit cards.

The joint enforcement action by the bureau, in conjunction with the Office of the Comptroller of the Currency (OCC), marks the first time the new bureau has flexed its enforcement muscle since opening its doors roughly a year ago.

“Today’s action puts $140 million back in the pockets of 2 million Capital One customers who were pressured or misled into buying credit card products they didn’t understand, didn’t want or, in some cases, couldn’t even use,” said CFPB Director Richard Cordray. “We are putting companies on notice that these deceptive practices are against the law and will not be tolerated.”

Under the penalty, Capital One will pay a $25 million fine, as well as another $140 million to 2 million customers who signed up for credit cards while the lender was engaged in marketing services to customers without fully explaining the terms. The OCC also is demanding that an additional $10 million from Capital One be paid out to consumers harmed by unfair billing practices. The OCC is also assessing an additional $35 million penalty.

The move, which comes just days before the one-year anniversary of the CFPB opening its doors, marks a significant new step for the creation of the Dodd-Frank financial reform law. Previously, the bureau had drafted rules, initiated investigations and collected data on consumer financial products, but Wednesday's move marks the first time the bureau has actually levied penalties for practices it deems harmful to consumers.

In particular, the CFPB is punishing Capital One for marketing add-on products to credit cards, such as payment protection and credit monitoring. The bureau said the company's call centers marketed the products to consumers with low credit scores or limits using "high-pressure tactics."

Company representatives misled consumers about the benefits of the products, did not always depict them as optional or marketed them to customers who were unable to utilize the benefits. Some call-center vendors even enrolled consumers in add-on products without their consent, or led them to believe the products did not carry added costs.

In a statement, Capital One said third-party vendors did not always follow company scripts when marketing cards, and the bank failed to adequately monitor them.

"We are accountable for the actions that vendors take on our behalf," said Ryan Schneider, president of the bank's card lending business. "These marketing calls were inconsistent with the explicit instructions we provided to agents for how these products should be sold. We apologize to those customers who were impacted and we are committed to making it right."

Capital One has agreed to end its marketing practices as part of the penalty, and will submit to an independent audit to ensure its policies are changed as demanded.

Anonymous
#559992

May 1, 2012 I send a check to my God-Father in Tamarac Fl. He never recieved the check.

Someone cashed the check and signed his name. At the end of the month I brought the check into the bank for fraud investigation. I obtain a police report, a Notarize affidavit as requested Bank. Since May I've been making 2-3 trips a month to check on status and no one could give me an answer except "We will call you.

No one ever called with follw-up. Finally Oct 2012 I was informed that the affidavit was rejected because a page was missing. This page contain a false statement that I had no police report, which is the first document I gave to them. The affidavit was rejected, no one contacted me.

I went to the Bank to check the status and was told "I don't know". Two days later the Bank Rep. call to inform me that the affidavit was rejected. Still I was not notified.

Poor, Poor, service. Now I have to start all over again with the fraud claim that was reported 6 months ago.

I'm very dissappointed with Capital one. Over fifteen years of banking with them, and this is the type of service I get.

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Review
#321605 Review #321605 is a subjective opinion of poster.
Product
Capital One Checking Account
Loss
$140

CAPITAL RIPOFF AT CAPITAL ONE

LATEST STATEMENT FROM CAPITOL ONE SAVINGS ACCOUNT MAILED SAYS THAT I AM RECEIVING AN APY OF .49. THE BANK .DOESN'T TELL YOU IT CHANGES WEEKLY AND TODAY IT IS .30. WHEN YOU GO IN, THEN THEY MAKE AN OFFER OF 1% GUARANTEED FOR A YEAR IF YOU OPEN A CHECKING ACCOUNT....SO I CLOSED A SUBSTANTIAL ACCOUNT TODAY...THEY GAVE ME A CHECK WITH INTEREST UP TO THE END OF THE LAST STATEMENT, MARCH 31.SO I MADE THEM GO BACK AND CUT ME A CHECK FOR THE LAST 11 DAYS..THEY LIIKED INDIFFERENT AND SURPRISED AT THE REQUEST....SLOPPY AND SLEAZY!
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Review
#311434 Review #311434 is a subjective opinion of poster.
Product
Capital One Checking Account

Contact Capital One Customer Service

Mailing Address:
Capital One Financial Corporation
15000 Capital One Dr
Richmond, Virginia 23238-1119
United States
Phone:
(800) 955-7070
All Capital One Contacts
On Friday Feb. 17 I made a payment to cover the outstanding balance on my daughter's secured Capital One credit card. Made the payment from my checking account by providing the routing # and acct #. * Made the payment before it was due because she needs...
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Review
#298632 Review #298632 is a subjective opinion of poster.
Product
Capital One Checking Account