Capital One, National Association Reviews (34)

Rated 2.53 stars out of 5 - based on 19 reviews with ratings
  • Jan 29, 2023 |

    As another person said, I just noticed that hundreds of thousands of our savings is stuck at .3% even though it has gone up to 3% and now 3.3% advertised everywhere. I assumed that since we had a variable rate account it would have gone up too. But nope, stuck at .3% so we just lost a couple thousand in potential interest in the last 2 months. Moving it all to PNC Bank high-yield immediately because we're in a state that PNC gives the highest rate to. CAPITALONE360 treating longest standing members worst! We were an ING account that was bought by CapOne. Shame on them.
    Review on the Online bank

  • Jan 22, 2023 |

    Online CDs 12 Month Rates

    Terrible bank, got their high interest IRA savings with no annual fee, then Capital One decides to get out of iRA business and transfers the IRA savings account to another bank who charges an annual fee that wipes out the interest Capital One paid me.
    Review on the Online bank

  • Jan 10, 2023 |

    After being a customer for over 15 years beginning with ING I learned my "Capital One 360 Savings" account is a "legacy" account and different than what is being marketed currently as "Capital One 360 Performance Savings." As a result, my legacy account has accrued 0.3% APY versus current marketed rate of 3.3%. Escalating the issue resulted in a response which "usually comes within 30 days." To my knowledge this was never communicated to me nor is there any mention of it on Capital One's site. The only resolution would have been to transfer my savings from my 360 Savings account to a 360 Performance Savings account.
    Review on the Online bank

  • Nov 1, 2022

    I never in my 80 years of life seen a company that treat their customers like shit and still expect them to come back. I have always paid my bills monthly without hesitation, in the past I have had so many things to happen that I even tore up my WalMart card when I saw it was Capital 1. My most recent run in with them was when my parents passed away and we were dividing their estate among 4 kids , one child had died and I had his part of the estate because his funeral bills and medicines before he died along with a lot of other debt he owed me, I had things worked out among the other siblings where I could get my money without filing it through the court, when the day came to where the estate was to be settled, the court did a debt check on us kids and to my surprise, Capital One had entered a debt that named me as one that owed them close to $25.000 which was a total lie, I don't owe anyone, I called them and the credit company and asked for the information, they told me it would take 3 weeks to get it, when I asked them what the debt was and they couldn't tell me. Needless to say, this postponed everything and added another $5000 in holdup cost and interest, I then called Capital one and asked them some of the questions the collection agency couldn't. PISSED OFF NOW that the person they had me mistaken to be lived in another City, a different SS number, everything was different, as I asked them questions, they acted like they were the stupidest people on earth. They told me that I would have to file an appeal to the collection agency and the papers were to be sent via mail to me, no, they couldn't send them via email of text and the appeal might take 90 days to come up. Now its 4 months later, the court has held my part and added charges to my part and paid off the others, when I finally got things cleared, I lost all of the money I was owed, the court had added $16000, the attorney had $1200 more and I had lost almost all of the $60.000 I was owed in the Estate. Thanks Capital one. Rate them, I would have to go deep into my sewer to find anything close to a rating

  • Nov 1, 2022 | | Replies 1

    Online CDs 60 Month Rates

    Capital One is the easiest bank to deal with. They have the best cd and savings bank. My local bank and credit unions pay next to zero and they are a hassle with fees and in person banking. Online Capital One is much better.
    Review on the Online bank

    Pres Clinton | Nov 1, 2022

    Also. These guys give a great kick back if you’re a Walmart shopper and you get the credit card for Walmart. I only recommend this if you can afford to pay it off every month because interest on balances is pretty high.

  • Jun 23, 2022 |

    ING was better. They were bought by CapitalOne and ever since, my rates have steadily dropped. Now that rates in general have been rising for months, mine has been flat at 0.30%. No sign of them going up, but they sure were happy to drop them. A new account yeilds 0.90%. So, I need to open a new account then?
    Review on the Online bank

  • Jun 16, 2022

    Online CDs 12 Month Rates

    Years ago, got a no % rate from Capitol Bank. After about 2 months or less of problems from their charges (which were wrong), I cut up the free card and returned it and didn't forget that. (Early 2000s.) When we got an autoloan in 2018, they were the first lender the local car dealer went to. We were turned down. 2nd bank we applied to was Chase and got the loan. Had it paid off within two years. I loathe this bank and saw nothing changed for the better.
    Review on the Online bank

  • Jun 16, 2022

    How can I find my 360 money market account
    Review on the Online bank

  • Mar 28, 2022 |

    Tried to open a new account of a different type from my years ago closed card. The application stopped working at page telling me I was already a customer. The customer page did not recognize my login credentials and referred me back to application page.. Around and around, its server did and then did not know me. Almost an hour with representative could not resolve and was never referred to the techs. Never again losing valuable time on this place.
    Review on the Online bank

  • Dec 5, 2020

    I know rates are variable, at their discretion*, but in the time frame of 9 months their rates have dropped to 1/3 of what they were ! is that what some call a teaser rate in the beginning ???
    Review on the Online bank

  • Sep 2, 2020 | Replies 1

    Opened a 360 Performance Savings account in November 2019 when interest rate was 1.9%. After chipping away at lowering the rate, notice today it is down to 0.65%. I assume there may be many who don't watch their accounts closely and are unaware how the rate has tanked. Looking into other options, seem there are plenty of institutions offering in the 1% range. Doubt my answer to "what's in your wallet?" will be Capitol One for much longer.

    Anthony M | Sep 20, 2020

    YES, KEITH W. I saw that too, but not so bad.
    I moved my money into new 360 IRA Savings@ Capital One [AUGUST 2020] from Bank-of-America. Started as 0.80% APY. I called IRA DEPT [SEPT 2020] (cptl one) {NOW it as you know} = 0.65% APY.
    APY= annual percentage yield
    BUT, THE interest rate INFORMATION FROM #bestcashcow.com/investments, NEVER UPDATES.
    Sep 20, 2020

  • May 14, 2020 |

    Took advantage of their promo rate, input at bankers desk, could have done same at home, not given an account #, never received a card, had to fax to add an beneficiary. Finally closed account, now pennies of interest, did online set up of external account, never sent me a code. Phone menu useless. horrible bank

  • May 14, 2020 |

    Online Savings Rates

    I recently opened an account. Easy process, great interface, great rate. Negative reviews here are dated. This is the best rate around when they are giving any bonuses.
    Review on the Online bank

  • Dec 27, 2019

    Online CDs 12 Month Rates

    Capital One is horrible. They mistake niceness for true customer service. Horrible bank.
    Review on the Online bank

  • Dec 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • Dec 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • Dec 11, 2019 |

    Online Savings Rates

    Complete BS they are paying 1.5%
    Review on the Online bank

  • Dec 5, 2019

    Online CDs 12 Month Rates

    Strongly recommend! Been a customer since before it was acquired by ING Direct. I've used some other the others. Rates are sometimes better elsewhere, but I've never had a problem here. And in these times when customer service is often a nuisance, getting great service counts for something.
    Review on the Online bank

  • Nov 18, 2019 |

    Savings Rates

    Pretty good I guess. It doubled Margaret’s money in only 40 years :)

  • Jul 14, 2019 |

    I'd been a customer for over 30 years. The interest rate I was earning on around $50,000 in savings seemed low. I checked with other local banks and confirmed it was. I asked a teller if there was an account available to me with a higher APY. I was told no. I found a bank that offered an interest rate three times higher, and opened an account there. Later, when I closed my account at Capital One, I was directed to a bank official who offered to give me a better rate. I told him if they had done that earlier, or had been proactive and offered one without me having to ask, I would have stayed (which I didn't). There were two occasions when a teller put money that was supposed to go into savings into my checking account, When I got my statement and caught the mistake, I was told they couldn't retroactively credit me for the lost interest, which helped me decide to leave.

  • Jul 14, 2019 |

    I'd been a customer for over 30 years. The interest rate I was earning on around $50,000 in savings seemed too low. I checked around with other local banks and confirmed it was. I askd a teller if there was an account available to me with a higher APY. I was told no. I found a bank that offered an interest rate three times higher, and opened an account there. Later, when I closed my account st Capital One, I was directed to a bank official who offered to give me a better rate. I told him if they had done that earlier, or had been proactive and offered one without me asking, I would have stayed, which I didn't. Other than that, I was satisfied.

  • Mar 10, 2019 |

    Sadly this rate only applies to on-line banking, where hackers galore live and lurk.

  • Mar 1, 2018 |

    I live in Philly. I opened this one because I value the recognized name and I like the Capital One Cafe in Rittenhouse Square. Was a little surprised that I couldn't use branches for anything (deposits, notaries). Could be clearer that 360 is completely separate from the branch bank. Overall I am very pleased so far.
    Review on the Online bank

  • Feb 19, 2018

    Sadly, it appears that deficient corporate attitudes and behavior have dissected down through the ranks to make interactions hazardous to your financial well-being. Investor, beware!

  • Feb 6, 2018 | | Replies 1

    Easy to use. Wish the rate were higher.
    Review on the Online bank

    aclient | Dec 15, 2018

    Dec 15 2018
    Mysavingsdirect has a 2.4% savings account.

  • Nov 12, 2017 |

    A recent update to CapitalOne 360 no longer has options in its personal web banking site to create virtual savings accounts for the purposes of tracking goals. Or at least, *I* no longer can see a way to create new goals on the site. Without that feature, I'm considering moving away from that bank since there others listed here with higher interest rates.
    Review on the Online bank

  • Sep 21, 2017 |

    Savings Rates

    They made a mistake on my account and now can not fix it the error the Teller made. Want me to be happy with a paper copy explanation that counter-explains their online error. DO NOT TRUST THIS BANK TO BE ABLE TO FIX THE PROBLEMS THEY CREATE WITH YOUR MONEY AND RECORDS

  • Apr 30, 2017

    Online CDs 60 Month Rates

    They do not have a POD (pay on death) ability... So if your money is invested and you die not sure what happens...
    Review on the Online bank

  • Mar 23, 2017 |

    Online CDs 24 Month Rates

    Good service and rates. Also check saving act's "teaser rates" bonuses!
    Review on the Online bank

  • Sep 7, 2016 |

    Online Checking Rates

    They always CHEAT on the quarterly interest.
    Review on the Online bank

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