I have been with ING and 360 for a total of nine years. I have a checking, savings and retirement account. I have never had a problem with deposits nor withdrawals. I have had positive experiences with every call I have made from where can I go to get a cashiers check to I did not make this transaction. My bills are paid on time, every time. I use ATMs for free. Most people have bad experiences because they do not know how to manage their money using a virtual bank, some with any banking institution.
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Early this month, I made the transfer money from Capital One 360 to Capital One Checking account. On Monday April 3rd, I set to transfer money on next day Tuesday April 4th. Then on next day April 4rd, the bank withdrew the money from Capital One 360 but it did not put into my Checking account. Then next on day April 5th, it put the money back to Capital One 360 without any explanation (email or any notification). And when, I checked on my Checking account, I found the negative amount of money due to paid out to other transaction. It was also negative amount money on my trading account as well due to withdraw from Checking account. I called them on the night of April 5th, they checked the log history but did not know why. They said they will investigate and would call me back to give an explanation. For this moment, they transferred money right away so my Checking account would not get negative balance.
More than one week went by, Capital One 360 never called me to give me an explanation. I called them again and talked to the manager (Brian). He said that was my faults to set the transfer money date on the same day that why it did not work. That was not correct, I asked him to check my account log histories, then he said I was right but he did not know he seem not care what was happen to customer. I got negative balances on many accounts due to this transaction.
I wrote this review because I am the longtime customer of Chevy Chase now Capital One. I did not want use other bank to the transactions. I hoped the upper managers will take a closer look in this case to improve their services. I was never had this bad experiences with old Chevy Chase bank.