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Capital One 360 Review + Feedback & Discussion

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Read 6 Customer Reviews for Capital One 360.

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User-Submitted Reviews of Capital One 360 & Testimonials

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Joseph reviewer photoPosted by Joseph (4 years ago)

Can't Deposit Money Order

Recently I sold an item online and the buyer chose to pay via a Moneygram Money Order. I figured that it should be a breeze to deposit it via the CheckMate feature to my checking account @ Capital One 360. Boy was I ever wrong. The scanning/photo taking service for deposit via smartphone or even from a computer (take a pic with digital camera, then upload front & back) did not support money orders.

Whatever, I'll just mail it in. But I thought I'd better call them up to see if that is indeed the best way, and that if they could confirm that they didn't support depositing the MO remotely. Not only did they reaffirm this limitation, to my shock, they said they also DO NOT SUPPORT depositing the money order via mailing it in either. The only way to get it into the account is to drive to a physical Capital One 360 branch, located about 15 miles away, and use the ATM there or go inside. It's all about "security", the rep said. I found it annoying he was ho-hum about this limitation and gave a "What's the big deal" attitude. Fudge no I wasn't going to drive 15 miles out of my way to get a $200 MO into the bank.

After that experience, I went ahead and opened up a Chase checking account since they had 2 branches within 5 miles of my house, and deposited there. Got a $175 account opening bonus as well. I will also be looking into a bank that will take MO deposits online; I know that they exist. So, er, thanks Capital One, but no thanks in regards to my future banking with you.

Pros:
  • phone is answered fairly quickly
  • Cons:
  • does not even accept money order deposits via mail envelopes
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    2 out of 2 people said 'YES'

    163460

    CTX F0 reviewer photoPosted by CTX F0 (4 years ago)

    Terrible Communications by Customer Service

    I own a rental home and the tenant pays the rent via direct deposit from her husband's pension account with the US Coast Guard (USCG TREAS 310 FED ANNU). I would always get the payment on the 30th, 31st, or the first of a month into my Capital One 360 Checkings account.

    A couple weeks ago I received a phone call from a CO360 specialist named Brittany informing me that they received a letter from the US Government which wants to withdraw/reverse the last 2 payments, and wanted to know if those deposits were legit. Of course they are I told them, as they were the proper rent payments from my lessee. She said okay then we'll keep the money in your account, so I thought that was the end of it. Little did I know....

    But after that conversation I called my renter and sadly she informed me that her husband had passed away in late December of 2014. I gave her my condolences and also sent her a check for $300 ($100 for repairs and $200 to help pay for the funeral).

    Five days later, I went into the CP360 checking account to pay some bills, and noticed that $3700, 2 months of rent money, was REMOVED from the account the day I had spoke to Brittany, causing an overdraft fee to be charged and account interest to be taken away.

    Shocked, I called CapitalOne and they told me that they did allow the government to take out those payments because:

    1. They're the government

    2. They provided sufficient documentation that the money did not belong in my account (indicating incorrectly my tenant's spouse' date of death to be 1 month earlier than actual)

    3. They called them up this time

    I was appalled especially because I have been with these guys since 2003, that they did not even call me to tell me what had just happened, causing the fees to be incurred to my account. Had I known, I would have transferred sufficient amount of funds from my CO360 Savings into the checking account immediately.

    The guy I spoke to basically said too bad regarding why I was not notified, especially when I was told via phone with Brittany that the money was to be kept in the account. After I asked to speak to a manager, I was then put on hold for over 15 minutes before I finally just hung up.

    This was awful experience and a lesson learned- I cannot recommend this bank at all to others any longer.

    Bought: Capital One 360 Checking

    Cons:
  • Very poor communications
  • Not really looking out for the customer

  • Customer Contacted Capital One 360 Via:
    (888) 464-0727

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    2 out of 2 people said 'YES'

    163430

    Posted by Tori (3 years ago)

    Beware of the Customer Service Number

    I had to call customer service about questions of cashing check from a third party person. On the contact page after I logged in, there were 2 numbers. One was for new customers, and one for existing. So I called the second one, of course, and the first things I hear were how to get a $100 rebate voucher for free. Next it asked if anyone including myself was 50, 60 or older. What in the world? So apparently they had replaced the on-hold music with these promotional offer messages? Then ADT security offer was next, followed by T-Mobile, and then a 5 free night stay at a Disney Resort. I kept pressing the pound key to skip as per the instructions, but never got to a live person so I hung up.

    It turned out that I had dialed:

    800-464-0727

    instead of the correct one of

    888-464-0727

    I made the mistake because I was first focusing on the first phone number I saw which was an 800 one, but that was for new clients of Capitalone 360.

    So this is just a heads up and hopefully no one else gets several minutes of his or her life wasted by dialing the wrong # for the bank, which apparently spammers have registered to get non-suspecting callers.

    The actual right number, a live rep answered really quickly without hold time!

    Bought: Capitalone 360 saving & checking

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    1 person said 'YES'

    166040

    Posted by D. M. (4 years ago)

    They Refused My Check Deposit

    My client paid me via check (by Regional Bank), which I tried to deposit using Capital One 360's photo-deposit online feature. The next day, I got an email from them saying that they have REJECTED the deposit, saying because it was a "Starter" check. What a bunch of crock. Now I have to go to my local bank branch instead to enter in a legitimate payment. This company is certainly not going to be on my list recommendations for a bank to anyone, especially small businesses.

    Bought: Money Market Account

    Cons:
  • does not accept "starter" checks
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    164040

    Posted by D (1 decade ago)

    Even after my ING Direct Complaint to the BBB didn't help in getting a fee reversed that was their fault. I'm moving my money out of there- I mean their interest rate isn't all that anyways. HSBC Direct, WAMU Online Savings, and FNBO Direct all offer much higher rates.

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    1660

    Posted by UnhappyCustomer (1 decade ago)

    These guys have the WORST customer service!

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