Capital One Bank

The service was ok, but the phone representative was extremely rude. I’ve never had such a bad experience of being treated so terribly at a bank. I’ll never go back to this branch.

Service was pretty good at this location! As for capital one itself, I’ve been a customer for 6 years and haven’t had any problems.

Oh, what a painful experience.
My request: «I just opened a checking account over the phone. They told me I needed to come in to this specific branch to present you with this coupon and complete the process. Here is my reference number. This is the name of the person I spoke with. Here is my confirmation number.»
— She was unable to find me in the system for 10 minutes, even with my reference number. Then she found me and said «oh, you know what, I don’t want to use this account. The phone representative will get all the credit for opening your account. Those phone people are terrible. I’m going to close this and start you from scratch.» Are you kidding me? I don’t have time for you to get your commission or whatever from this. And the phone rep DID open my account – he should get the credit!
Representative: «Yea but… actually something’s wrong with this account anyway. Um… I have to start over. Sorry.» Fail.
— She takes all my information —again.
Me: «Can’t you just copy all my information from the account you just closed?»
Her: «Um…it’s easier if you repeat it all to me again.» Fail.
— She shows me her business card. «If you ever need help, call this number. This is my name, _​_​_​_​_​_​_​_​. And this is the Bank’s name, Capital One, N.A. The N.A. is just… um…y’know…»
Me: «National Association.»
Her: «No…» (no? really.) «…just don’t worry about the N.A. It’s nothing.» She swipes her finger over it as though she’s magically erased it from the card. Fail.
— Next, she shows me a sheet of paper: «These are all the fees and extra charges you could potentially encounter.» It is a looooooooooooong list!
I skim the list and reply: «Thanks, got it. I’ve looked it over.»
Her: «No, I need to take you through each item.»
Me: «It’s okay. I work with banks — that’s my job. I understand all these fees already.»
Nope. She keeps walking me through it, fee by fee. Urg.
Finally we get to the overdraft fee (this was last year):
Her: «We charge you for any overdraft on your account. A lot of banks don’t charge you for some items, for example, if you write a check, they’ll just bounce the check and not charge you a fee. Other banks allow the check to go through and charge you an overdraft fee. We do BOTH: We BOUNCE the check, AND we charge you the overdraft fee. Do you know why?»
???
Me: «Um…okay, why?»
Her: «Because we want to punish you for trying to overdraft. You need to be punished for not knowing your account balance, so we charge you a fee.»
I’m a new customer, and you’re telling me you’d want to PUNISH ME? Fail.
1 star. At 40 minutes, it was the most annoying account-​opening experience ever —and I had already opened the account on the phone! I’d rather close my CapOne account then ever have to speak with a representative like that again.