Capital One

O Unfair!

We got a notice from Cap One checking account... which we have had for about 45 years.

It said that there had been suspicious activity on our account. We called. Turns out we had paid our property tax from that account, as we had done many times before. We said it was OK. Paying property tax is a pretty normal activity. The representative said we were all set. All was fine.

Today I got a text from T Mobile, my excellent cell phone service. They said my payment had been rejected because our checking account was FROZEN. That doesn't sound fine... that payment has gone through every month for years. Paying T Mobile after the rejection and having to pay on the phone cost me the regular payment PLUS $20.

I called Cap One. I got a terrible run around. I had to send a picture of my driver's license to prove I am still myself who has had this account and used this account for over 40 years. (We opened this account in 1979 when we moved to Chevy Chase and the bank was called Chevy Chase Savings... bought eventually by this Cap One. Service has never been the same, but we have stuck with them. Apparently a very stupid move on our part.)

Now they tell us, again, all is fine. I have no idea if I should believe them or not. I want to take all our checking and savings and other accounts OUT of that sinister, cheating, incompetent bank. HA! That will cost them.

Avoid them, don't believe them when they say all is OK.

Follow up: I tried to send them an email that I would post this review everywhere I could. Another run around, ending with a representative that claimed he had no record of any of this. Someone is covering their deceitful tracks. Be careful with this bank if you are their customer. They will not give accurate information. And when caught, they'll cover their tracks and say nothing is wrong now. I can't believe them. Money will move.

ATTENTION! That deceit, Fraud! Don't put anything in there; doing so will result in the freezing of your account and the inability to withdraw funds. Remain away! I've lost more money than I should have on this platform. I had to discuss it with a family member who suggested "RegainOrg.Info while obtaining my money back with them has been simple.

I had 2 transactions flagged for fraud in 4 days. I use my card to pay for work travel expenses and earn points to personally travel for free. I had to buy 2 plane tickets for 2 different work trips on my debit card not earning points. I called in for the second plane ticket payment not going through. The customer service rep "rain" was very rude, did not solve the problem and rushed me off the phone. $1300 of plane tickets in 4 days on my debit card not my venture card earning points... Called back a second time today to try and solve this issue for future purchases and I have not been on the phone for 42 mins without a single person coming back to the line for over 30 mins to check in on me...at this point I will close the account, and open one with better customer service and will earn points to travel.

After being accepted for a credit card, with a $30k limit, I used it to charge for about a month. No problems. Booked tickets and traveled to a foreign country. Again no problems... For a few days. Then it stopped working. No notice, just stopped. App and account just showed "restricted." Called to get the restriction lifted, thinking they'd flagged a foreign charge as fraud (with no way to tell them I'm traveling, they claim it's unnecessary), and they want: copies of passport, birth certificate, SSN card, utility bill, and more, all while I'm traveling. Non-negotiable; they cannot accept anything except all those documents. Capital One was perfectly happy to strand me in a foreign country with no credit card, despite having worked and processed charges for over a month, and several days of traveling. DO NOT USE.

I actually mostly like Capital One except for the fact that any time you make a payment of more than a couple hundred dollars they put an eight-day hold on your credit. The money will be gone from your bank account so you're in limbo and just screwed.

When they say no fee at the ATM there full of $#*!. Yes they offer no fees but if you have simply checking that doesn't apply it's only for 360 account customers.so if you have simply checking you're nothing but chop meat. And my closest branch is 35 miles 1 way because they shut down every branch in my immediate area. If you make the futile attempt to speak to anyone at a branch office good luck with that. Because they never pick up. Find yourself a bank that actually appreciates having you as a customer

I like capital one credit and banking service opportunities but what I don't like about the services at any bank let alone this one. In contrast, when you do transactions at for example paying a bill it takes 3-7 business days for most of these transactions to go through. This makes me not like the banking system set up altogether. At this point, I do not want to use any banks anymore for any transactions. It is a depressing process every time. This is always a very slow process on transactions.
My feedback is that it is no excuse today in how much more technology we have on this planet to have to experience this slow transaction process today. Why do they say we can get deposits 2 days faster and yet a transaction of paying a bill takes 7-10 business days is ridiculous. Thankful I am leaving the fraud banking systems altogether