Capital One Checking Accounts Consumer Reviews - Page 2

BALDWIN, NEW YORK -- I opened up a Capital One account in Dec. 2010. By Jan 2011 I started getting random charges to my account as if someone was using my debit card, but I had it in my pocket the whole time. They withdrew money from my account without permission or any authorization, literally every time I made a deposit. At first they charged me 49.95. I went to my branch to dispute it and got it back eventually and a new debit card. My next deposit they withdraw $29.95 and show me a check as if I wrote it but I know I am not crazy and I have not written out that check and the strange thing is there was no say and no signature required.

Now that they took all I had left to live off of, they charged another $10.00 to over draft my account even though I opted out. I call customer service to make a long story short Capital One is nothing but a scam!

TEXAS -- Started a new business. Opened a business account. Had personal account for several years with local bank now purchased by Capital One. Upon receiving payment from my first customers, I deposited the checks and was not told they would be putting holds on the deposits. Long story short, accounts snowballed and NFS's charged.

I have had the account since January, it's now July. I deposited a 900.00 check from a large company to the account last Monday. They put a hold on it. I need to buy supplies and get work done for two customers I put on hold over the weekend until funds available. Guess what, they aren't giving me the money until 5PM. I just lost two customers AND just got told from the company that gave me the check that the funds cleared out of their account last Friday so Capital One is holding my money for their use and benefit until they see fit to give it to me, costing me business.

Oh and I almost forgot, I deposited another check last week that was drawn on another Capital One account and they slapped a hold on that one too until I started screaming loud enough for bank officer to come over and remove the hold. They claim it's how I manage my account, but they cause the NSFs and continue to hang me up.

DO NOT OPEN A BUSINESS ACCOUNT WITH THEM. They will bury you. They also won't cash the checks either, as they are made out to my company and not me personally. They are putting me out of business. Does anyone know how to sue these guys? They arrogantly rip off the little guy. As soon as they see fit to release my funds, I am closing accounts and going elsewhere.

VIRGINIA -- I have two different accounts w/ Capital One. I deposited two checks for a 3.9% fixed rate and never received on my statement. Calls and letters have accomplished nothing. We are still battling over. Has this happened to anyone else? It is odd it happened to me twice on two different accounts.

ROCKVILLE, MARYLAND -- I tried to change my address over the phone and they cannot because banking center mistyped my social. As a result, I cannot resolve my problem. For balance on my account I have to go to the bank. It is pathetic. The bank can provide assistance and 1-800 number cannot. Absolutely, terrible company to do business. I wired my money to a different banking industry, and just about to close my accounts with this pathetic Capital Banking system!

DALLAS, TEXAS -- I deposit two checks and still they hold my money. I called them and asked about why still is pending. They said, "We can hold your money from one to ten days. " That's the way, that they make money playing with customer money.