Capital One Mobile 4+

I really like this app. Love the Credit Wise feature!! It’s given me some awesome tips on growing my credit even more. The app also gives me FREE weekly credit score updates. That’s neat! I am really enjoying my new credit card with Capital One and this cool app. I have called customer service to help me activate my Apple Pay and literally I was connected to someone within 10 secs of my call. I was dreading a long wait... Surprisingly, no wait time, no automated menus, the agent was already aware of the reason to my call and offered me fast, courteous service right on the spot. I am very impressed. I have been a loyal member with AMEX since 2010, but I have got to say, you really surprised me. I’m glad I decided to give you guys a shot. I heard lots of great news on the Clark Howard radio show. I heard a caller discuss a restaurant charge an exorbitant amount for a tip and you guys caught it before he even left the restaurant! THAT is excellent service! I have had that happen before so I could IMMEDIATELY relate. And then it dawned on me... maybe if I would have had Capital One, I could have had a COMPLETELY different experience and never had to go through that nightmare to start with.... So, I am here. Thank you!

I filed a dispute regarding a double charge on my Capital One 360 debit card. Jan 10 I had funds in my acct $85 to pay the merchant, the merchant swiped my card and the merchant stated the charge was declined, they swiped the card again and stated it was declined again so I gave them a different card from another bank and the transaction went through just fine. Laster that evening I received a notification from Capital One 360 that the transaction went through to the merchant. The next morning Jan 11 at 9am I received a notification that the transaction went through again. I contacted the merchant and they told me to contact the bank. I did contact Capital One 360, so they gave me a provisional credit after 10 days of my complaint. April 11, 2024 Capital One 360 reversed the provisional credit sending my acct into the -$85. I have proof where I paid the merchant with another card when the merchant advised me that the card declined twice on Jan 10 and never even swiped the card on the April 11th because of the declination on Jan 10. I have proof of where I paid the merchant on April 11 with another card as well. I called Capital One 360 to have the reversal of the provisional credit removed, they placed me on hold came back to the line and stated nonsense, they do not know why the reversal of the provisional credit was done, and they need more time put me on hold again and eventually hung up.
Reported to BBB
Will allow the account to close.

Been using over a year (credit card), still don’t understand how this banking app doesn’t have a pin login! Having to enter my entire password every time to log in is inconvenient when checking an account in a pinch. Also, no dark mode…weird in this day and age. And the amount of adverts and pushing branded partnerships is kind of gross. Using their HYSA intermittently and a credit card consistently, I also just opened a checking account but the ACH is expected to take a whole week, which is fine because it’s going to take an estimated 11 days to even get the debit card so my money there is tied up! If it takes more than a day to receive my deposits (currently takes overnight to my A bank if requested by 4p PST), I’ll definitely not be using them for checking! Very sloooow, outdated banking. I do like the ability to lock my credit card at least - but most cards have that option now!

UPDATE: Yep, takes 2-3 business days to receive a payment sent from work, whereas it’s in my account next business day with my main bank. Which is fine, I guess, because I requested partial payment and I STILL don’t even have my debit card (almost two weeks after opening account). Will definitely not be using this bank for checking account, BUT it’s currently the most decent for HYSA so my emergency fund will still live here!