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Started By
Message
re: Capital One customer support. I ain't even mad. I'm actually impressed at the absurdity.
Posted on 4/10/21 at 9:54 am to DiamondDog
Posted on 4/10/21 at 9:54 am to DiamondDog
quote:
People will disagree and throw a bit of fit...but of all the national banks, the best is Chase by a long shot. Now if you’re broke and constantly dealing with fees, I hear they’re terrible.
The access and mobile platforms from Chase make it a far superior bank experience than anything I’ve ran across recently.
I could agree with you about the mobile platform, but their customer service is an absolute joke (and I’m not broke, nor dealing with fees). I’m pretty sure you participated in my post on the money board about them completely bungling my dispute with a merchant for merchandise I didn’t receive. After seeing every level of the organization I contacted (with exception of my local branch manager) cover up for the ineptitude of the previous, I would rather keep my money under the mattress than put it back in Chase’s hands.
0
Posted on 4/10/21 at 9:55 am to magildachunks
quote:
frick Chase.
Hear! Hear!
Posted on 4/10/21 at 9:56 am to UnitedFruitCompany
quote:
Bank local if you can. Use a credit union if you can. Big banks don't give a frick about their customers. In any way shape or form.
This, absolutely this. If you have under 7 figures in your account with BoA, Wells, Capital One, etc. you are nothing but a fee farm for them.
Posted on 4/10/21 at 9:56 am to Demshoes
quote:
I have a Capital One credit card with 2.8% interest rate and reward dollars. Can't beat that. Free money yo.
Talking about the bank, not the credit cards...
Posted on 4/10/21 at 9:58 am to ColdDuck
quote:
Safety Deposit boxes
For all the distrust of government Boomers claim to have, they seem to have a really odd blind spot regarding safe deposit boxes.
Posted on 4/10/21 at 10:03 am to magildachunks
Amex is the only place left with good customer service.
Posted on 4/10/21 at 10:03 am to Joshjrn
I had a mortgage through them for 10 years, made extra payments for a while and went round and round with them about why my payments weren’t changing..I had $22k extra principal on the account at one point they wouldn’t apply because of “terms and conditions.” I paid it off completely shortly after that, which was around 5 years ago so maybe they’ve changed things since then.
Posted on 4/10/21 at 10:07 am to magildachunks
Capital One isn't even pretending to provide customer service anymore. If you think online is bad, you should try going into one. It is the Jack in the Box equivalent of workers in there.
Posted on 4/10/21 at 10:10 am to sleepytime
quote:
I had a mortgage through them for 10 years, made extra payments for a while and went round and round with them about why my payments weren’t changing..I had $22k extra principal on the account at one point they wouldn’t apply because of “terms and conditions.” I paid it off completely shortly after that, which was around 5 years ago so maybe they’ve changed things since then.
I appreciate the heads up. I'll watch my amortization schedule against principle over the next few months (just bought a house; payments start next month) and see if it behaves as it should.
Posted on 4/10/21 at 10:17 am to Joshjrn
I'm one of those legacy Hibernia clients. They recently changed my routing number without notice. They claimed to mail a letter. I'm diligent about checking mail - we recieved nothing. Turns out they did not update my address "in all their systems." When I went online and updated it.
I found this out when my paycheck and mortgage both didn't show up on time.
Absolutely awful all around - the bank is just there to fund the credit card division.
I found this out when my paycheck and mortgage both didn't show up on time.
Absolutely awful all around - the bank is just there to fund the credit card division.
Posted on 4/10/21 at 10:20 am to TigerDonk
quote:
I'm one of those legacy Hibernia clients. They recently changed my routing number without notice. They claimed to mail a letter.
I'm in the same boat. Though in their mild defense, they did send out notice to me via email. Was still less than amused.
Posted on 4/10/21 at 10:22 am to Joshjrn
quote:
Joshjrn
They are very good at the legal and ethical bare minimum, aren't they?
Posted on 4/10/21 at 10:25 am to DarthRebel
quote:Why? Some people like to get huge amounts of cash, not everyone has a smart phone or banks online, and it’s much easier to deal with someone in person than the phone.
There is no need for a bank with physical branches either
Posted on 4/10/21 at 10:29 am to Samso
I agree Amex is great to do business with. Last year we booked a hotel in Venice, Italy between cruises, the cruises were cancelled, so we requested our payment. The hotel refused to give us a refund. After a few months we contacted Amex they got our refund back within a couple weeks. This was with Morgan Stanley Bank.
Posted on 4/10/21 at 10:31 am to magildachunks
frick Big banks. They steal your information and give it to China
All of them kneel to the CCP
All of them kneel to the CCP
Posted on 4/10/21 at 10:34 am to magildachunks
quote:
We are closed. We cannot tell you enough how much we appreciate your business with Capital One, where our banking is open 24 hours.
I'm pretty sure you have interpreted we are open 24 hours wrong. Their banking (online) services are open 24 hours, not their customers service department, just like the branch isn't open 24 hours. Almost all businesses are like this
Does anyone use critical thinking skills anymore?
This post was edited on 4/10/21 at 10:36 am
Posted on 4/10/21 at 10:36 am to Donka Doo Balls
Nice username
Posted on 4/10/21 at 10:47 am to DiamondDog
quote:
People will disagree and throw a bit of fit...but of all the national banks, the best is Chase by a long shot. Now if you’re broke and constantly dealing with fees, I hear they’re terrible.
The access and mobile platforms from Chase make it a far superior bank experience than anything I’ve ran across recently.
I have been with chase for years and find them overall to be good. You are right though about being broke and fees. I have two accounts. One I use for paying regular bills and one I use for day to day purchases (card swiping). A couple of times when I was not paying attention, the balance would get negative on the spend account and I'd wake up with an email about it and the overdraft protection/insufficient funds fee of 34 dollars. They have a ton of options for notifications, but none seem to be very accurate. One time they automatically transferred the exact amount of money to cover it and didn't charge me anything. There isn't an option that I know of to have an automatic transfer when the balance gets below some amount. I figure if these are the only issues I am having compared to some stories about other banks, I am good.
Posted on 4/10/21 at 10:57 am to magildachunks
As a former Capital One employee, this doesn’t surprise me one bit.
Posted on 4/10/21 at 11:12 am to Joshjrn
quote:
Their mortgages are shady as hell: you can pay extra towards the principle but they won’t actually apply it, they will only keep the extra on file to apply towards future principle payments when they come due so the amortization table and payment schedule never change.
So Chase doesn’t provide an exact itemization, after an additional mortgage payment is made, showing a principle and interest, (escrow account if applicable) total after the fact?
Chase has always had shitty mortgage rates and re-fi rates. I’m surprised anyone has a mortgage with Chase.
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