RobbiesKati , 10/09/2023

Never a problem

So I’ve had my capital one secured card for about a year. This was and is my first credit card even though secured it and capital one did and has done everything they SAID and SAY they will do. I never had credit before this and with in 4 months the card I was denied (credit one) all of a sudden now I’m pre approved. Lol. Anyways I called capital one to see how long before I could get a increase without having to put anymore of my money on it because it was secured and they said no. We’re going to see if we can get you approved on a unsecured card. 2 days later that’s what they did. I had such a hard time even getting a company to say they would do a secured card before I decided to try capital one. They were going to be the last try. From the beginning it’s never been a problem. There easy to work with, there customer service is always trying to make it easy no matter what the issue. And they don’t put you on hold 10 times for “just a moment” that ends up being 20 min. I recommend them to every and anyone wether you need to build credit or just need a new card. There the way to go.

Buster 2023 , 04/24/2024

Dishonest bank

I filed a dispute regarding a double charge on my Capital One 360 debit card. Jan 10 I had funds in my acct $85 to pay the merchant, the merchant swiped my card and the merchant stated the charge was declined, they swiped the card again and stated it was declined again so I gave them a different card from another bank and the transaction went through just fine. Laster that evening I received a notification from Capital One 360 that the transaction went through to the merchant. The next morning Jan 11 at 9am I received a notification that the transaction went through again. I contacted the merchant and they told me to contact the bank. I did contact Capital One 360, so they gave me a provisional credit after 10 days of my complaint. April 11, 2024 Capital One 360 reversed the provisional credit sending my acct into the -$85. I have proof where I paid the merchant with another card when the merchant advised me that the card declined twice on Jan 10 and never even swiped the card on the April 11th because of the declination on Jan 10. I have proof of where I paid the merchant on April 11 with another card as well. I called Capital One 360 to have the reversal of the provisional credit removed, they placed me on hold came back to the line and stated nonsense, they do not know why the reversal of the provisional credit was done, and they need more time put me on hold again and eventually hung up.
Reported to BBB
Will allow the account to close.

Melpomm , 03/26/2024

Needs Some Tweaks

Been using over a year (credit card), still don’t understand how this banking app doesn’t have a pin login! Having to enter my entire password every time to log in is inconvenient when checking an account in a pinch. Also, no dark mode…weird in this day and age. And the amount of adverts and pushing branded partnerships is kind of gross. Using their HYSA intermittently and a credit card consistently, I also just opened a checking account but the ACH is expected to take a whole week, which is fine because it’s going to take an estimated 11 days to even get the debit card so my money there is tied up! If it takes more than a day to receive my deposits (currently takes overnight to my A bank if requested by 4p PST), I’ll definitely not be using them for checking! Very sloooow, outdated banking. I do like the ability to lock my credit card at least - but most cards have that option now!

UPDATE: Yep, takes 2-3 business days to receive a payment sent from work, whereas it’s in my account next business day with my main bank. Which is fine, I guess, because I requested partial payment and I STILL don’t even have my debit card (almost two weeks after opening account). Will definitely not be using this bank for checking account, BUT it’s currently the most decent for HYSA so my emergency fund will still live here!