Capital One Checking Accounts

If I could give negative 5 stars I would!! Opened the banking account back in October. Opened the credit account back in December. I've had NOTHING BUT PROBLEMS!! I have had to dispute 2 charges on my debit the 1st was an unauthorized charge where I provided them with all of the proof they required they did the provision credit denied the claim and pulled said funds out of my account 4 DIFFERENT TIMES! CALLED AND GAVE THEM SCREENSHOTS OF TRANSACTIONS AND EVERYTHING ELSE AND THE MALE REP STILL TOLD ME "YOURE A LIAR, ITS NOT YOUR MONEY ANYWAY ITS OUR MONEY." They are STILL pulling those funds from my account and it's MY MONEY not theirs! The newest dispute I did due to the company I paid the money to TELLING ME TO DISPUTE IT WITH MY BANK THAT THEY ARE UNABLE TO STOP/REFUND PAYMENT SINCE THEYRE PREPAID. Called my bank the rep said I had to wait for it to come out of pending status before I was able to dispute. So I did that they STILL DENIED IT got an email this morning after 2 months saying my claim was denied they will be removing the amount of the credit from my account. Call speak to a rep they tell me all they can do is resubmit the dispute for me. I tried to get an auto loan they denied me stating I had to many late payments posted to my account. Can't be the credit account I pay ABOVE the minimum payment before the due date. I've paid the balance off BEFORE the due date. They have NO LOYALTY TO THEIR CUSTOMER! They would rather not be on the big companies bad side then keep their customers happy and protected.

I've been with Capital One for years, and their banking service is horrible!! I have had 2 checking accounts disappear from Bank Online and no one in their support team can tell me anything. There technology is buggy, and the continue to close branch locations where you can actually talk to someone. I will be moving all of my accounts ASAP!!

Hands down worst company I’ve ever had to deal with , kept my deposit for 4 days after the check cleared and then a extra weekend .. called Friday said nothing they can do .. total crap will be closing this account and all 3 of my credit cards from capital one .. good riddens, take my advice or leave it just know they are not for you at all …

Capital One sent me a cashiers check to close out my account to the wrong address. They made me sign a notarized affidavit which I executed and returned. They advised I will not receive my money for as many as 90 days. Their mistake, my money. Very, very poor customer service. Use a local bank not these bozos.

Banked with them for a decade. Sole proprietor (now I have a LLC). Wouldn't let me open business acct. I receive PPP loan, 8 months later they freeze my acct. I show them SBA forgiveness letter and they still try to pry in business that I'm not obligated to share. Searching for a crime that hasn't been committed. Then remitted a thousand of my money back to the lender as if to trigger further investigation. Crappy company. And not very well equipped to understand how things really work.

Completely Incompetent Customer Service - rarely ever leave a negative review but my experience updating my last name from my maiden name has been impossible. I updated my last name 2 years ago. Capital one updated my debit card and some of my accounts. I recently deposited a check and it did not clear because they never updated my last name on my checking account. When I brought it to their attention, rather than immediately fixing their mistake they told me to wait another 7 days as if 2 years was not long enough. Then after 7 days, they told me to wait another 3-10 business days. I have called them over 10 times to fix the issue and they still have not taken care of the issue. As a result I cannot deposit funds and pay my bills. Be warned.

Have had them for years, but they keep changing their system and are getting more invasive, or you can't access their online services. upgraded their app until my phone spit it out as being "incompatible", closed local branches, and on several occasions I've been locked out because they changed something on their website Now I can't get in at all unless they have ALL my contact information. No way. I run a business and cannot afford to not have access, and not at their whim.

Capital One has horrible customer service. I had to go through six representatives because of a fraudulent charge. They all said they did a claim for me. Lies! No one did a claim until I called and asked about my money to the last agent on April 1st. The fraudulent charge was done on March 30th. It has taken over 48 hours just to get someone who I hope knows what they are talking about to file a claim. Thinking of leaving Capital One. I would rather pay a fee at another bank that has great customer service and the agents speak English.

DO NOT USE THE 360 CHECKING ACCOUNTS!
I truly wish I could give zero stars. I have been with capital one credit cards for a long time and had no issue. So I thought I would give their checking account a try. Biggest mistake of my life. They have absolutely no banking locations closest 360 ATM is 30 miles from my home. Although the agent said they're atms are all over Georgia. It first started when I tried to use the load cash option at the claimed preferred locations. I literally went to 7 different locations using their tool and every teller stated we are not able to load to Capital one 360 accounts. I spoke with a representative and she was absolutely no help. Then the major is occurred I deposited a payroll check (this is not the first time) with the same payor source as before and they decided to place a 7 day hold on my check. The rep said lets see if we can get some of the funds released to you and came back and said they could not. I ask for them to stop processing my check so I could deposit it into a real bank and they were not able to that either. Thankfully I have some savings so I can pay my rent and purchase groceries for me and my kids. Thanks Capital One 360 for adding to the stress of the pandemic!

Don't ever use capital one. They are a horrible company that closed my bank account right before my first work check was going to get deposited and I couldn't get the money out and they wouldn't reopen and I get kicked out of my apartment because I couldn't pay the rent and I had no money for food for over a week till my job finally got the money back and gave me a check. Do not use this company for anything