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Started By
Message
1
Posted on 5/9/22 at 3:44 pm to LSUMJ
quote:
Their new ads basically say they are a coffee shop and if you have a banking issue they guess they can try to help you
That's when CO went to shite....
They closed all the branches near me so I closed my accounts..
Posted on 5/9/22 at 3:47 pm to Hangover Haven
My Dad is in his 80’s. He is computer savvy but likes to do business in person. He called them to open some CD’s as they had a good rate. They told him he had to do that on-line. He told them to get lost.
Capital One has lost their way.
Capital One has lost their way.
Posted on 5/9/22 at 3:47 pm to When in Rome
quote:
Where’d you switch to when you switched away from Capital One?
In these situations, do people switch to smaller, more local banks or even bigger behemoths?
I switched to Advancial Credit Union. I get points on debit purchases, all ATM fees reimbursed and they credited a $13k check that I mobile deposited the next day.
With that said, I am trying to open a business checking account and having a tough time.
This post was edited on 5/9/22 at 3:50 pm
Posted on 5/9/22 at 3:47 pm to Hangover Haven
I switched from Crapital One when they told me safe deposit boxes were no longer available at the downtown BR branch. Switched to Chase.
Posted on 5/9/22 at 3:49 pm to ItzMe1972
quote:
Personal checks from tenants
Could be a covid/eviction moratorium/rent frickery related policy that you just happen to be swept up in.
There is probably a non-zero amount of landlords who have gotten fricked with bad checks throughout this ordeal.
Posted on 5/9/22 at 3:59 pm to ItzMe1972
Red River Bank, you’re welcome
Posted on 5/9/22 at 4:01 pm to ItzMe1972
I haven’t had that happen but I’m about to drop them for other reasons
Posted on 5/9/22 at 4:04 pm to chickenwing
quote:
Capital One has lost their way.
I remember when Capital One only did credit cards and auto loans. Their first "bank" was when they bought Hibernia. It was announced just before Katrina. The plan was to keep the Hibernia name on the bank and for all future bank acquisitions.
Then Katrina hit and the deal changed, and the new deal changed the bank name to Capital One Bank.
Soon after the deal closed, I had some issues with my Hibernia accounts and we closed them.
I have an old credit card with them that I still keep and use 1-2x a month just to keep the history and account age. I also have had auto loans with them and honestly those have been fine.
Posted on 5/9/22 at 4:06 pm to ItzMe1972
quote:
"After thoroughly reviewing the deposit(s) and your account, we've determinded there's a risk that the deposit will return.
Is this one time or for all future deposits? Have they identified specifically what amounts / check writers they are worried about?
Perhaps they have had bounced checks from those check writers.
They aren't much for customer service. Just find a new bank.
Posted on 5/9/22 at 4:15 pm to LSUFanHouston
We had similar issues at BOA about 3-4 weeks ago we’re we had a bunch of deposits from customers we processed remotely and they were delaying them hitting the account.
I called my BOA rep and told them we needed those deposits immediately as we had a hefty PR in a couple of days. They all cleared within 24 hours. Tried to ask the rep why they got delayed and he had no answers. We haven’t had the issue since.
I called my BOA rep and told them we needed those deposits immediately as we had a hefty PR in a couple of days. They all cleared within 24 hours. Tried to ask the rep why they got delayed and he had no answers. We haven’t had the issue since.
Posted on 5/9/22 at 4:16 pm to ItzMe1972
Hancock tried to hold an cashiers check on me last week for 7 days which i think is illegal. The bank it was from was literally next door. They acted like they were doing we a favor by depositing it
Posted on 5/9/22 at 4:19 pm to TutHillTiger
All banks are mfers
Posted on 5/9/22 at 4:25 pm to ItzMe1972
I've begun the process of moving all money from Cap1. I have several business account which take much longer to change but it will be done one day for sure. I've not like what I've seen with Cap1 for a while. On top of that, having a racist as a spokes person should have killed this company years ago.
Posted on 5/9/22 at 4:34 pm to 6R12
I got a Cap1 account to deposit cash from serving/bartending in Louisiana when I was in school since you heathens don't have BofA in LA. I have been too lazy to swap back to BofA but the early direct deposit that happens 50% of the time makes me go from 7 days between deposits to 9 days which is incredibly annoying when you have autopay or automatic transfers to other accounts set up.
Posted on 5/9/22 at 4:51 pm to ItzMe1972
I think they were sketched out by the checks from Senator Dr. Kumutru Obogala from Lagos. I think they've had some issues recently with checks from Nigerian Senator Doctors.
Posted on 5/9/22 at 4:54 pm to ItzMe1972
You structuring baw?
Posted on 5/9/22 at 4:57 pm to Demshoes
Community banks = business owner option
Credit union = retail client option
Megabank option = pure convenience and no lending need and/or credit card prodict only. This only becomes viable if you have a net worth of 50M or more liquid for complex banking needs. Still not optimal unless you are going public in the next decade though IMO.
Online bank: I work in tech and rent an apartment and never touch cash. Instead of investing I prefer .10% more interest
Credit union = retail client option
Megabank option = pure convenience and no lending need and/or credit card prodict only. This only becomes viable if you have a net worth of 50M or more liquid for complex banking needs. Still not optimal unless you are going public in the next decade though IMO.
Online bank: I work in tech and rent an apartment and never touch cash. Instead of investing I prefer .10% more interest
Posted on 5/9/22 at 5:00 pm to ItzMe1972
Not sure why anyone would want to bank with Capital One at this point.
Posted on 5/9/22 at 5:03 pm to ItzMe1972
quote:Overnight Interest rates are up. The longer they hold it the more they make.
They just started holding some of my check deposits for 2-4 days. In the past they were available the next day.
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