I regret to inform you that my experience with your institution has been nothing short of abysmal. I just ended a call during which I was informed that there were 4,000 calls in the queue. Over the course of the last three hours—from 3:30 p.m. to 6:30 p.m. on February 11, 2026—I was placed on hold for a cumulative hour, with no meaningful resolution.
This is, without exaggeration, the worst customer service I have ever encountered. I took a hard inquiry and subsequent credit hit to open this account, only to find the product unusable and the support infrastructure completely overwhelmed. I closed my account in under five hours of opening it.
The representative I spoke with was openly rude and sounded visibly aggravated—toward a new customer. That level of unprofessionalism is both sickening and inexcusable.
To compound matters, your digital platform is sluggish and the credit limits extended are disproportionately low. I came to your bank frustrated with Chase; after today, you have somehow made me genuinely grateful for both Chase and Capital One.
I strongly urge any consumer considering this institution to steer clear. This was an absolute failure across every touchpoint.
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