Capital One 360 Bank Unfair banking practice Capital One 360 Bank Nationwide

Unmoved should be their slogan!!

 You WILL reply again because YOU DON'T Have a life and YOU NEED TO WIN! Do me a favor ok? Go troll this forum and entertain yourself with someone else. I'm bored. Really! Believe whatever you want. You are now talking to yourself!

“Smartphone users that rely on the functionality of such Apps assume that we will get everything we need from such Apps to conduct our Bank business.”

That assumption is at the very core of your problem. You also need the use of a properly maintained check register.

“I told him it was the Government! You can't change things with them that fast.”

You were given more than 30-days advance notice that your account would be closed. You failed to act upon that.

“sticking your nose where it doesn't belong”

Apparently you don’t understand the concept of a public forum.

“using statements that are untrue as to how your Bank handles transactions”

Banks use the same math as the rest of us.

“hit with such things as iTunes costs that you didn't expect”

If you entered transactions into a check register then there would be no unexpected debits. A properly maintained check register is always more accurate than the online information because the online information does not include outstanding transactions. You are of retirement age yet you still don’t know basic checking account maintenance that I learned when I opened my first checking account at the age of 17.

It appears your ‘final answer’ is that you do not intend to change your banking habits so your overdraft penalties will continue to pay for the free checking accounts enjoyed by other customers of your next bank.

Perhaps in addition to a basic finance class you should take a basic reading comprehension class.   As no where in either of my comments did I state anything about how they handle transactions.  The only thing I have given you is a GENERAL comment, that actually apply to all banks.  As well as trying to show you, that you actually have the power to avoid the situation you got yourself into by actually managing your account.

The only person mentioning anything about how they handle their banking transactions is you.  Where the only thing we are getting from you is your side, telling us your interpretation based on what you say they are telling you.

Look I get it, you like most people hate to hear that (gasp) they could be wrong.  I get that, and your come back be of course that you aren't wrong and I am in fact wrong.  Again...totally sad but understandable.  Because it does not change the fact that I can almost guarantee that if you managed your account in the beginning, they wouldn't be closing your account now due to too many overdrafts.  Making the rest of your "complaint" mute.  And just to be clear for you, I don't know their policies or conditions for closing accounts or holding money, which is why I have not stated ANYTHING about those policies.  I am just giving you a common sense way to avoid the inevitable problems that arise from improper management and multiple overdrafts you would get with any bank, with the specifics varying bank by bank.


But as the say you can lead a horse to water, but you can't make them drink.  So if you are unwilling to accept this advice meant to help you and actually start to manage your account I can guarantee you of one thing.  You will be back writing another RipOff Report the only difference it will be on your new bank.  It may not be this week, this month, or even this year...but it WILL happen.  If you were to ask any financial planner, or people that teach people how to manage their finances, they would tell you basically the same exact thing.


Now, as for the standard "You must work for them".  I am not now or have I ever been an employee of this or any bank. So while you can think that somehow.

Oh and don't worry, since there is a point of diminishing report I won't be posting anything else to your post...

Good Luck

 Tell you what? Since you insist on playing this ridiculous "sparring" game and sticking your nose where it doesn't belong, let's get the person involved that it really MATTERS TO, Ok? Here's a copy of an email I just sent. Enjoy. By the way, reply to HIM from hereafter ok? And use "spell check!" Have you heard of that? Email sent--- Mr. Fairbank CEO/Capital One Bank As I made you aware, I have posted a complaint on the Ripoff website about your Bank 360. There has been a person constantly posting Rebuttals to my complaint. I would like to know if this person is an employee of your Company? Because if they are, they are making statements that are untrue about how Capital One 360 handles their Banking transactions. Also, if they work for you, they are making your company look even worse with their lack of politically correct customer service. If this person does not work for your company then I'm just letting you know that they are making constant arguments with me using statements that are untrue as to how your Bank handles transactions. Having a complaint filed against your company on this site is bad enough. Having someone supposedly trying to "defend you" and not know what they're talking about, as in this person's case, I believe, is making your Bank look even worse! I just thought you'd want to know that salt is being rubbed into the wound by this person.

 Honestly, do you have a life??!!? Oh, wait! Maybe you do! Maybe you work for Capital One. If so, then the public is in even bigger trouble than we thought if YOU are an example of their Customer Service. If you don't work for them, then perhaps you should write to their CEO and beg for a job, sending him all these rebuttals you've wasted time writing to me. Maybe he will hire you and you will have a life. Oh wait, maybe not. You aren't exactly Customer Service material are you? Lol Oh well. Keep rambling. All you're doing is making Capital One look even worse.

 Get a life! Buy a dictionary so you can spell correctly. Maybe you can find it at the same store I can find a calculator! And stop wasting my life by having to spar with someone who has nothing to offer this discussion except their own opinion based on something they know not a d**n thing about! Now why don't you go trolling through the forum and find some other person to spar with. I don't have time for you unless you work for the Bank. And if that is true, then I would not admit it if I were you! Capital One would be quite stupid if they had such employee! Please do me a favor and go troll the board to find someone who has time to play your ridiculous waste of life sparring game. You're an idiot.

Contrary to what you may want to "believe", I totally got your point, and it is 100% WRONG.  Now, sadly your very last comment about saving the comments for someone who wants to believe it really tells us that you are not only unwilling but probably incapable of understanding that you are actually being given EXCELLENT advise on how you can change YOUR actions to avoid all of these issues in the future.

 So keeping a checkbook doesn't do you much good if they don't show it in their transactions, does it?

- Yes it does.  When you keep a register, by writing down what you have purchased when you make the purchase you know exactly how much money in your account.  It doesn't matter if it takes the bank an extra 2 or 3 days to post something, you know IMMEDIATLY because YOU wrote it down.  Oh and yes, as you found out ther could be reasons beyond the bank that a transaction getting posted becomes delayed, so don't try and say it is some evil "conspiracy" of the bank to hide transactions from you.

 I guess you have a perfect record keeping history and have never been hit with such things as iTunes costs that you didn't expect huh?

- You don't need to be "perfect", but when you fail to take responsibility over your account you have only one person to blame if you overdraft...and you see that person every time you look in the mirror.  By the way as for your "unexpected" iTunes purchases.  If the $2 or so app purchases are too hard to keep track of and getting to the point of you running your balance into overdraft, perhaps you should lay off of those for a while.

Do you want to know what the total ironic thing in this entire situation is.  If you add up all of the time you have spent trying to prove that they are at fault, you could have spent a fraction of the time actually managing your account and keeping yourself out of overdrafting..oh and still have the account open.  You see it takes only seconds to write down a transaction in your register and subtract it from your balance.  If you have an issue with math, go buy yourself a cheap dollar store calculator.

Oh and yes I am sure you do still feel totally justified in making all of your complaints.  So if you want to spend additional time and energy on that instead of actually trying to take responsibility.  I am just here to tell you that you should not be surprised if they actually end up telling you the exact same thing you are hearing here.

 You have no clue what point I was trying to make. If you had read through the complaint you would see that my point was that they did not "code" their software to include sending messages about payments they did not make nor do they include those transactions in the statements themselves. So keeping a checkbook doesn't do you much good if they don't show it in their transactions, does it? As far as knowing what's coming in and "covering it," I guess you have a perfect record keeping history and have never been hit with such things as iTunes costs that you didn't expect huh? Also, you simply skipped right over the fact that the Bank is going against their own policy and "holding my Money" for pending transactions despite the fact that they said no more money in and no more money out. And you are so clever you can't see that their own rules say they will process any pending transactions before closing the account (supposedly now on Nov 3), yet will refuse to accept the deposit of my paycheck which will most likely hit the Bank on Friday, well before Nov 3. That sure appears to be in the "pending transactions" category to me. As far as contacting the other agencies, I feel totally justified and your ridiculous address of my issue is laughable. Please don't waste my time and save your ignorance for someone who will believe it.

“What I did not know was that they were not sending the same notifications when your balance dropped too low to cover your transactions!”

The bank has no prior knowledge that an account is due to overdraft until the excess funds are requested. It is the responsibility of the account holder to be sure the funds are available PRIOR to authorizing debits and withdrawals.

“I made it a point to go into the Bank account using the mobile app to check my Account Balance daily to make sure I always had enough to cover ‘pending’ transactions”

That is an admission that you do not maintain a current check register and that you are guilty of authorizing debits and withdrawals without knowing if the necessary funds are available.

“How are their customers supposed to know that a transaction has hit the account with no funds to cover it”

When the required funds are available it isn’t necessary to know if a transaction has been presented. That’s the purpose of a monthly reconciliation (commonly known as balancing a checkbook).

“Now I can't help but see them as uncaring, unsympathetic, and even having ‘bordering on fraud’ ethics”

Authorizing debits and withdrawals against unavailable funds is unethical. It is not unethical for a financial institution to penalize an account holder for overdrafts.

“My next move will be to contact the FTC, the FDIC, the Attorney General, the BBB, the Bank Regulatory Board (or whomever regulates the Banks) and 7 On Your Side.”

You will only continue to embarrass yourself by contacting agencies and consumer advocates because they will all laugh at you for your frequent overdrafts due to your failure to maintain a current check register.