I was thinking of signing up for Capital One a couple of months ago but I was advised by a good friend at University not to because in their opinion, Capital One seemed to be totally negligent towards paying customers in terms of their customer services. I must admit I have found them appealing in terms of services which they offer, but if they have these types of problems with their customer services then I really cannot see it being worthwhile to any customer to take up an account with them.
It was only 2 months ago that Watchdog fined Capital One for their poor customer services, and for not providing all the information for certain policies to their customers. If this is still the case, and with the incident above and from what I have heard through a friend, then for me they are definately worth avoiding.