Capital City Bank
reviews and complaints

Shame on you for personally and publicly attacking this employee at the bank because you did not get what you wanted and clearly cannot understand nor are willing to understand or accept the terms and conditions of a negotiable item (check) . if not properly endorsed and negotiated, the issuing financial company of the ck could return it and overdraw your sons account which is a bad way to start a relationship with a bank especially at a young age, and to be fair, it is not only This bank that has that policy, most banks would have the same policy, and a phone call would not authenticate the custodian signature or identity.

worst banking system out there, newberry fl branch .DANGER nasty folks too, capitol city going down the tubes

I have been documenting all these same issues for years. I also was a victim of fraud one Sunday night starting around 12:00 am every 5 minutes to the tune of 20-35$ each time from the same account for a total of around 1500$. When I went to the Bank Managers office that am I was told that even though that money was clearly marked pending and had not been given to the fakes I would still have to wait 2-3 months so they could investigate. I refused to leave the "My" bank until they took care of their customer and gave me back my money. I was there until around 2:00 that afternoon. That's how hard they tried to protect the rights of the theif!

If there is an attorney our there that is willing to go up against this monster please step forward.

I recently got hit with 4 overdraft charges. And let me say right off the bat, these charges will get most people eventually, and that's exactly what the scam is designed to do.

For those who say this is the clients fault, first...how about CCB NOT opting me into something I never asked for to begin with? and when I call to opt out, how about CCB NOT tell me I have to show up at the bank in person in order to opt out? Turns out those aren't the rules at all, just something CCB tells their customers to make it just inconvenient enough that it may keep the client opted in. Of course Capitol City Bank denies ever telling me that little lie...imagine that.

I filed with the BBB and got half my fees back, and will likely write my bank locally to see if I can get the rest back. I may well close my account, especially after reading these posts, and all depending how the locals act. I wasn't aware of the rearrangement part of the scam.

I recommend you all file with the BBB no matter what circumstances caused the overdraft fees...your fault, you say? You never should have been opted into this to begin with, so no matter what, CCB is at fault. Capitol City Bank, by design, set this trap, then blames the victim for stepping in it...age old tactic. Problem is, some good, trusting people buy that it may be their fault, and CCB loves those "cooperative" clients, bless their hearts, another age old tactic, prey on the trusting... so sad.

I'd also recommend you file with Consumer Affairs online, it's very easy to do. Surprisingly, Consumer Affairs say they don't have enough complaints against Capitol City Bank to post them to the public on their site, so I recommend you change that by filing there, and give CCB the recognition they so richly deserve. CCB doesn't care, so what's the use? Of course they care and of course they will act like they don't...basic psychology. But in reality, every legit complaint that can be read, like here on the net, hurts them, hence can and will cost them clients/money, so speak out loudly and often against them or, for that matter, anyone who is mistreating you.

There are better banks out there, and I know it's a hassle but go to the trouble to dump this and any business that behaves like this, it's one of the few things that will stop them for doing their dirty deeds, as all they understand is loss of income...ethics/morals are something they have no interest in. And in a case like this especially, it may be of direct advantage to you in the future to leave. Not only all that, but it'll make you feel good because you accomplished several good things by doing so.

WORST BANK IN THE WORLD! VARY HIGH OVERDRAFT FEES VARY LATE AN UNUSUAL DEBIT POSTING TIMES. I THINK I GOT 14 OVERDRAFT CHARGES LAST MONTH AFTER MY BILLS POSTED THEN DISAPPEARED THEN RE-POSTED WHEN THE ACCOUNT WAS LOW ON FUNDS. I DON'T KNOW HOW THEY GET AWAY WITH THIS BUT I GOT FED UP AND SWITCHED BANKS TO SUNCOAST CREDIT UNION PROBABLY THE BEST DECISION I MADE IN MY LIFE BESIDES MY DIVORCE LOL.

Capital City Bank is a total rip off, I have experience first hand on how they rearrange checking accounts to so that you will acquire the 35.00 over draft fee, but I have contacted Better Business Bureau so I hope they can have my money refunded back to me ASAP..

Obviously in hindsight, the funds still sitting on hold, would have been the best option. If only they had told us that the first time. We are only customers who are unaware of banking rules and policies.I do wonder why the broker issued this check. He certainly did not alert grandpa about this ahead of time. With the customer's personal information right in front of him on the computer, he should have known that the grandson lived out of state and warned him that if grandpa isn't on grandson's account, it would not be deposited. The bank definitely could have been more helpful and understanding. Also all their employees need to get on the same page and not have one employee tell you to do one thing and have another say no, that won't work either. I thought it was the banker's job to be helpful when you run into problematic situations, to suggest the best way to handle such a transaction. Meanwhile folks, my son's college money sits with a hold on it and school starts in a week. Thanks for the helpful comments.

Well, obviously you aren't following what happened closely. Apologist for the bank much? We do what they ask, but then they change their mind and decide they want to handle it yet another way. Of course, IF they had originally asked for the check to be re-issued, that would have already happened. This is going on a week and a half. If you followed my narrative about this, you would know that they FIRST they wanted the custodian's (who lives out of town's) signature, NOW they want a 9 day hold, but again, you appear to want to make excuses for why CC gives customers the run around. Because they can change the "banking policy" which it appears isn't a policy exactly, so much as road-blocking a good check for a customer apparently on personal bias BECAUSE THEY CAN.

Venice, being kicked off my 3 cents is not the worse thing I have ever dealt with honey. It does not even rate to the pain of a stumped toe. So, cry me a river.