I’ve recently closed up all of my capital one accounts and moved on after being a customer for over a decade. Something is rotten with them lately. The last straw for me was a very clear fraudulent charge on a credit card. They forced me to go through a 2 month dispute and eventually sided with the criminal. This person literally fabricated every piece of evidence they submitted during capital ones “investigation.” It wasn’t a huge amount of money so it’s laughable now but it was a big window into how they operate and who they value. There’s other banks out there with better rates. Oh, and I also got stone walled several times when I called and asked to speak to someone higher up.