Comment Re:Capital One ruins everything they touch (Score 1) 178
First, my local bank - Chevy Chase Bank - they were gigantic, but operated like a friendly neighborhood bank. Capital One closed tons of branches, got rid of almost all the different types of accounts, got rid of the local customer service, got rid of accounts (with good benefits) for high school and university students, got rid of fee-free overdraft for many accounts which had it (although they seem to have brought this back under certain conditions)
The technology ING had was way better - the way the website was simple and easy to navigate, the way they managed checks - full history with pictures of deposits and withdrawals, algorithmic check numbers that were harder to create fraudulently - was much better, the customer service was much better.
Capital One employs programmers who failed as students in my university computer science courses for not understanding basic fundamentals about programing. Their online banking is hard to navigate and frequently has problems that lock me out of various accounts (and I have/had a ton of personal and business/non-profit accounts with them). They keep adding fees to accounts that didn't used to have fees. Their customer service agents seem to often be not great English speakers and not very friendly (vs. Discover where they are usually friendly and speak intelligibly)
The technology ING had was way better - the way the website was simple and easy to navigate, the way they managed checks - full history with pictures of deposits and withdrawals, algorithmic check numbers that were harder to create fraudulently - was much better, the customer service was much better.
Capital One employs programmers who failed as students in my university computer science courses for not understanding basic fundamentals about programing. Their online banking is hard to navigate and frequently has problems that lock me out of various accounts (and I have/had a ton of personal and business/non-profit accounts with them). They keep adding fees to accounts that didn't used to have fees. Their customer service agents seem to often be not great English speakers and not very friendly (vs. Discover where they are usually friendly and speak intelligibly)