Capital One has terrible customer service. Terrible to deal with.
NUTLEY, NEW JERSEY -- 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.