The first problem was CapitalOne required all new customers to call a security phone number. I waited on hold over a half hour twice during its posted hours.. no answer or even an automated estimate of wait time. Tried calling new customer line, which is answered promptly, but they refuse to help with the security line problem. Apparently they answer phones for new customers until they are signed up and then force them into endless wait lines. I opened online accounts with Synchrony and Ally, both with similar high waits and both actually answer phones if you need to call.