Customer Service Scoreboard
Capital One Spark Miles rewards are a complete SCAM! I just got charged $1,242 for a flight (for two) that I found on Expedia for $430. I save my rewards points for TWO Years and they triple inflated the price of the flight to devalue my points. Wow, even the Capital One attendent was embarassed when I showed the exact comparison. Total Scam.
The Worst Bank I've Ever Dealt With Cant Protect Me & Return A Fraud Money That Have Token From Me Without My Knowledge!!! Where Is The Trust If This Bank Cant Protect My Money From Anyone Can Take It, If I Could Give 0 Star I Would , Even Worse Customer Service Ever All Chinese Doesnt Even Speak English So They Can Assist You!!!!what A Suck Service
I'm new to banking and unfortunately I chose capital one. Their customer service is abysmal! I called for help with my account and had the luck of lands two representatives that hate their jobs. Rude is an understatement! Downright disrespectful. When I spoke with a manager to file a complaint about the customer service I received he assured me I would receive a follow up. When I didn't get one I called and found out the complaint was resolved because it was filed under a completely unrelated issue! Then nobody at capital one knows what happened. I will be closing my account
Absolutely the worst customer service ever. The 2-step verification system is a joke. I was even told that I couldn't even access my account to give them money, but they'd be happy to send me to someone who will take my money, but still not let me view my account. Capital One is simply a microcosm of today's apathetic society.
-Matt Fisher
This bank used to be good... and then, something bad happened. Recently, I was led through a merry-go-round of codes and texts and phones and uploading driver licenses three times, just to be told that nothing could be done about it. All I was trying to do is add my husband, who also has an account with them, as the co-owner of our checking account! Idiotic programming or policies won't allow you to set up a joint account to start with, and then they couldn't recognize his phone, because both our cell phones were under my name. They would not allow it to be handled by mail, nor in person in their "café". It finally resolved today, only for me to run into another brick wall.
Today I was trying to add my church as the beneficiary of my account. I did it a year or so ago with another account with Capital One, but then I switched to a higher interest paying savings account. Turns out that their current programmers or policy-makers (I am not sure which) decided that you could only name an individual, not an organization, as a beneficiary. So unless you can input a birthdate, the program won't allow you to proceed. Seriously?!
The customer service people are very nice but not really able to do anything about the issues I have run into.
I even wrote an email - a very polite one - to their corporate office. Nobody ever responded! The nudge was ignored as well.
They could not make Zelle payments go into my account when I got a new phone. I made 2 trips to the bank. They called their tech people while I was sitting there! Their tone blames you...
I finally left. When I called their customer service I got a car insurance advertisement. Unbelievable!
Capital One will let scammers steal your money and not protect their customers! Be very careful because they don't care about good service. I got scammed and money stolen from my account and immediately reported it as soon as I saw someone stole my identity. Then capital one said they settled on their side bc they "have proof" of who I am, my name number ip address. Well duh! They stole my information never shipped me product and took my money. Looks like a name from another country. So I asked capital one for their information and they have nothing but a fault over long website that doesn't exist!!!!!! No name no number no way to contact they scam person!!! Yet they get to keep my money!?! Not fair or right!
We had been customers of Capital One for over 25 years. This past Saturday, July 8, 2023, around 6:00 PM, I received a call at my home number from someone stating that they were from Capital One. I am quite aware of the many scams so I was cautious. This person stated that someone in Seattle was trying to charge a $7,000.00 purchase to my account and they needed verification from me that the purchase was ok. I live in Louisiana and had no idea of anyone being in Seattle so I told them that. They then asked me to verify several purchases that I had made in the past and they were able to give me specific names of purchases by date and amount. These were not purchases that anyone could have guessed about. After I said I made those purchases, they said they would have to freeze my account to prevent these Seattle transactions from going through. I never gave them my login information or password but they were able to freeze my Online banking account immediately. I was told that I would have access again to my Online banking by Tuesday [7/11/23]. Feeling uncomfortable about this, I used my husband's login to check our accounts. In so doing, I saw that the person had canceled by debit card and had ordered another debit card to be sent to an address in Miami however, no money had been taken from any of our accounts. I immediately went back to my Online link and selected 'forgot ID and Password' and set up a new ID and Password. Then I contact the Debit Card department [800-227-4825] and spoke with Ashley. She saw that someone had canceled my debit card and was sending a new card to an address in Miami[the address was listed and you should have a record of that address]. Ashley immediately stopped the card and told me that she would freeze all of my accounts until I could speak with a Customer Care Specialist [866-399-8973] on Monday morning as it was after hours for them at the time she and I were speaking. The accounts were frozen and today, July 10, 2023, I called Customer Care. First I was told that Capital One would give me new account numbers and a new debit card which was fine with me. However, after many questions, I was told that 'Capital One had decided to end the banking relationship with me'. I asked why and was told it was 'a liability to the bank'. I am not sure how I, the victim, became the liability. I did everything correctly. I did not give the person who called me any identifying information [no ID, password, PIN]. I immediately contacted Capital One. I was told by the Customer Card person that I was to remove my money from Capital One immediately which is what I did. When I got home I had an email stating that the accounts were being closed [attached] but no other explanation.
We are professional people- I am a Doctor and my husband is a retired Naval Officer. We followed all protocols to prevent having money taken from us and yet Capital One just summarily canceled our accounts as though we were at fault. No one will give us an explanation as to how we, the potential victims, became the liability or the problem. When we went to get our money from the bank even the employee there said she did not understand what we did wrong. We enjoyed banking with Capital One and had great faith in the bank which is why we had been customers for 28 years. Today we are feeling violated twice-once by potential hackers and once by Capital One. I really would appreciate having an opportunity to speak with someone about this so that I can fully understand what process was used to determine that we were now a liability. I do feel that I deserve an explanation and hope that Capital One will do the honorable thing by giving me one.
Of all the credit card companies I transact business with, Capital One is the worst! They have terrible customer service who can not help at all when you call - they don't even try. I have had an account with them for over 20 years and I STILL can't get decent help with I call. STAY AWAY!
I have been with Capital One for over 10 years I can count on 1 hand asking to waive fees. Well today when I called about my auto pay for May 11th not coming out then getting hit with a 27$ fee and they say they can't do anything about it. Anna and Kendra the supervisor apparently said there nothing she could do for me. Never have I dealt with such disrespect and non caring about the mix ups in the payments. Kendra more so was rude didn't help me solve or try to understand anything I was saying I was just in the wrong. Sorry can't help you!!! Unbelievable!!! They both should go back through training cause both of them are not very good with customer service. I don't even wanna be a part of capital one anymore because of this. I hope someone truly takes the time and has a conversation with these customer service representatives because they aren't helping they are hurting your company. Amanda Valentino
On March 21, I was attempting to buy an airline ticket from Aeromexico using my Quicksilver card. The charge was denied. I understand that. Security is important. I called Capital One and the person I talked to told me to do the charge again, and it would go through. I submitted the charge again, but it was denied again, although it was listed as "pending" in my account. I called again, and was told that the account was "restricted" and I had to verify my identity. This is when the trouble started.
The only acceptable way to remove the restriction seemed to be a US state drivers license. I don't have one. After hours (literally) on the phone, I spoke to someone who told me that my passport would be accepted, and sent me a link to upload my passport. This email never arrived. They tried it several times, same result. They were using the same email address to which they had sent the link to upload other documents, which arrived fine. Many emails arrived in my mailbox during these extrended conversations, so my email was working fine. One supervisor I talked to said that identity documents from the USA, Canada and Mexico would be accepted. I uploaded my passport, Mexican Immigration card, Mexican driver's license using the first link sent to me. All were rejected. another person told me I could FAX my passport, and gave me the fax number . I faxed it, butI currently have no idea what the status is.
I should explain that I am currently at my vacation home in Mexico, where I spend about half the year. It almost seems that the system used to send upload links was working fine, but the "other" system to send a link for uploading my passport did not. Maybe it has something to do with the fact that I'm physically in Mexico.
At this point I gave up and bought my ticket on a different card, fully expecting the Aeromexico charge would just disappear from "Pending". The e-ticket confirms it was bought on my other card.
The next day, the Aeromexico charge of $858,90 was posted to my account. This was AFTER it was denied, and AFTER the account was "restricted". So it seems they can post to my "restricted" account, but cannot remove fraudulent postings.
Here's the important part: I have no intention of ever using this card again in the future, or any card from Capital one, but that charge must be removed. I have paid the total amount due on the card, less the fraudulent $858.90. I am going to the trouble of documenting this debacle with Capital One for the purposes of any path I may take to recover the fraudulent amount of 858.90, should they continue to refuse to remove it, even though I have had NO goods or services from that payment.
I have never had such a horrible customer service experience. I call complaining about my Savor One credit card and what seems like a scam. You are literally taking money from people not making them aware they are accruing daily interest until they make 2 consecutive full payments. Does not matter if you pay your bill off in full that month you will still owe interest for next month. And your customer service rep has the nastiest attitude with me and gives me absolutely zero help. I end up canceling because your rep was so rude. Then after I cancel my card you continue charging me my auto-payment of $60 when my balance is $0. So my card is at -$60 but there is no account to be had. So I call once again and I can only be issued a check, you can't somehow replace the money back into the bank account you stole from. But it doesn't end, then the check is mailed to the incorrect address after your customer service rep updated my address in your system to the correct mailing address. What can I say worst credit card company ever.
Hi, I booked a rental car using my capitol one card for my trip to Costa Rica and purchased the rental insurance as well for the car for the duration of the trip. I purchased and paid extra to receive a 7 person seat SUV from the rental company so that my family of 7 for the week. Upon arrival and checking in we were told we had to then buy extra insurance through europcar in order to get the keys to the car even though we already had sufficient insurance. After long debate we purchased the additional insurance as we neeeded the 7 seat vehicle for our party and there were no one else with this many seats. After purchased europcar pulled up the car and it was a 5 seat car that could not fit my party. I spoke to Europcar and said this is not the car I purchased and showed them my confirmation number, email, and photo from booking.com of the 7 seat car. Europcar said that booking.com sent them the confirmation code which they said is standard across the world for rental car company of "SFAR" which is a standard 5 passenger car all wheel drive and that it was a mistake from booking.com for sending them this wrong car. After clearly showing the rental car company my confirmation, photo and email they said I can not get a 7 person car and that it was bookings fault. I then proceeded back into the parking lot and saw the car that I purchased in the parking lot being washed. The exact 7 person vehicle. I called the front desk out and said this is the car that I purchased! I need this car as I bought it. They said "that car is the bosses car and is not rented out" I said, "it is rented out because I paid the extra $100 dollars a day to rent a 7 person car! (They we're also, washing the car in the parking lot as if it was being prepared to go out" the hey said no this is not possible and the boss is out of town and we can not rent that car. After pleading with them and Europcar stating that this is something I must bring up with booking.com. Europcar also said I could not receive a refund for a downgraded car and or get a refund for my purchase for me to use to find another rental company who could get me a car for my family. I asked to speak to a manager and they said he left for Mexico yesterday, I asked for the 12 passenger van I saw sitting in the parking lot and they said that it was broken, (I saw this van move, be cleaned, and driven right in front of me) I asked for my 7 seat SUV Nissan X-trail that was being cleaned in the parking lot that I was told does not exist and once I saw it in the parking lot they said that it was their bosses and not rentable (even though the car was in the pre staging area being cleaned to go out) With no other option as I am out of money and no refund europcar made my family of 7 split up into two cars! TWO CARS and pay for both at full price. We were made to drive in two steperate cars with our party split! This has cause d so much stress as this is why we purchased the seven passenger and paid the extra fee instead of doing two cars at a cheaper price. Europcar and Booking.com and capitol one not only let us down but many others down they forced us to split our trip up in two and cause potential harm to my part as we were forced to be broken apart. We have paid for multiple insurances and travel insurances and will fight to be refunded for this absolutely disgraceful companies mistake to us and the scam of a company Europcar in SanJose Costa Rica who is lying and cheating customers. After getting all the documentation, photos and video to capitol one they still did not do anything to help and got me 0 refunds for this mess.
Capital one has the worst customer service every. Agents are in a 3rd world country and it's hard to understand what they are saying. So I asked to be transferred over to the United States and they said NO. I've been trying to activate the savor card for a month now. I'm over it and canceling this card
I am extremely upset and disappointed with the current situation that occurred. I had made payment arrangements with Cap One because I was laid off in August and am only receiving unemployment. I contacted Cap 1 through their website asking for assistance with giving me until Monday Dec 12 to make the promise to pay because the Unemployment Department doesn't pay us on that day and I received an email from CapOne stating someone from corp office of the president would contact me within 24-48 hours to help me. I was waiting and no one called me and my auto was repossessed. I even responded to an email from a Kelly at their company stating that they would contact me and work with me and again no one has called me and this has now happened. I need immediate help with this because I was trying to make my payment on Monday and if they weren't willing to work with me, I should have been notified but no one has gotten back to me. They need to make this right and contact me as soon as possible to help me. I am not asking for them to waive the payment I just needed a little bit longer to make the payments they needed. Just a few more days and I was not notified that they weren't working with me.
Stay away from this horrible bank! Capital One just fraudulently charged me over $300 more for a Walmart.com order than they should have. And the way they did it is because they charged me over 50 times each for 3 additional (small) amounts. They deny any responsibility for it and very nonchalantly say, "Don't worry. It's not a charge. It's a preauthorization, and it will drop off in a few days." THEY COULD NOT CARE LESS that I needed that money for bills, and now I'm going to have major issues with those vendors. All they know how to do is "apologize for the inconvenience" and stay silent on the phone. Eventually, they'll just disconnect you. They are useless and have NO EMPATHY, whatsoever, which is the number one thing that a customer agent needs, especially Diana, who is a supervisor and should be more competent and better equipped to handle these situations.
Gloria and her reps in the dispute dept are so rude and lack empathy. They have supporting documents that I was scammed out of $2035 trying to purchase a home for my children. Gloria acted so ugly... now we're homeless because Gloria said capital one isn't doing anything else for me.
Complaint about very suspect business practice. A longtime Capitol One online banking customer with multiple accounts. I asked why the interest rates on my accounts were low while they were advertising higher interest rates?
Very Strange answer. I was told that my accounts were "old products" and the higher rates were only being offered on "new products". In addition, if I wanted the higher rates I had to open new accounts. Sounds VERY SUSPECT to me.
Liars. Pure unadulterated lying company. Full of fraudulent lies. Run from this repugnant company as fast as you can.I had a secured card with capital one, had it for years. never had an issue with it. Then I get ill for about a month, had a financial set back, which affected my secured credit card and then I get back on my feet, pay off my card/ then after I pay my card in full, I get informed my card had been canceled. No chance was given, nothing. Just canceled.
Is that normal practice for your company? Just throw away clients? I know I am a small insignificant account; I am a blue-collar working man, not a millionaire or anything, but I am still a client. Probably not for long though. I am looking into other banks due to being treated like I was nothing by your company. I guess years and loyalty mean nothing?
Again, I am very disappointed with your service and how it treats its clientele.
Thank You and Good Day
Good afternoon ?
I would like to thank you for having excellent Management in
Clinton, Md
Mr. Dan Mcclanahan & Staff
Customer Service is the best service I have experienced.
Please pass on to Cooperate to acknowledge him.
Mr. Jesse in Minnesota, excellent customer service.
Ms. Clarissa G. Clinton Md
Thanks ?
I am HAPPY ? to give an enormous thank you to a
Ken, TDJO79-Capital One . We called in to let them know we were going to be late because I was in an accident and was out of work. Today I received 2 beautiful bouquets ? wishing me a speedy recovery ? ❤️. Thank you Ken, even without the flowers, your customer service was impeccable, and you should be recognized. Ken was patient with me explaining our situation and was quick to help us try and resolve our issue . Mission accomplished.
I called customer service in two different days i.e. March 23 and March 28/2022 to get a full payment confirmation letter for a closed credit account back in 2018. First day i spoke with a lady she said her name Kaira and the other day with Jennifer. I am really short of words to thank these two customer service representatives. May god bless you both.I was looking for this letter for some work reason and was waiting it to be emailed to me. Spoke with Jennifer and got it before the deadline after she immediately contact a supervisor. Like i said i am short of words to thank.Capital One's best of the bests you are both- Kaira and Jennifer. Thank you so much!
I had to cancel my card and get a new one...the agent helping me was Ann LBG231....she was so nice to deal with that we laughed and talked easily. I got my mail two days later and found a card from Cap 1from her. She wrote a cute hand written message and gifted me with a JC Penny's card. I was amazed. Please thank her for me. I will pay this kindness forward. Aurora
Capital One - 4416 Ambassador Caffery, Lafayette, LA 70508
Deidre Jones, Lead Teller and Tameka Edmond, Associate are welcoming customer service support personnel. They always greet me with a smile and positive attitude!!! Rare attributes in todays business customer service world. Hats off to these two ladies for their outstanding customer service!!!
You are appreciated!
I just called Capital One and I spoke with Teresh (I think that's how you spell it lol) and she was awesome and very kind and professional. I had some issues with my account and she was very understandable and nice. They answered the phone pretty fast and every thing was just perfect :) I'm glad I talked to her
I have 2 auto loans with Capital One and my husband and I each have a credit card with them. I love them no fees to make your auto payments by phone. And The blank Check service is excellent blank,when buying a car a 100% no hassle they give the specifications for your loan and buying a car has never ever been so easy Capital One has the best customer service they rock!Extremely happy customer
Capital One is a great company! Their Zero Fraud Liability program has really saved me some prolems with unauthorized charges on my acounts in the past! I spoke with an extremely knowledagble and friendly rep earlier this week named Danielle She was great, what a great asset to Capital One.
This Company is the bset especially the managers there, they all ROCK !. Kudos to Mark (jaw379) for being so patietn with me thru my tough times .
P.S all those customers who ahve nothign but bad mouth , CAPITAL ONE IS A COMPANY NOT A CHARITY OR A FOUNDATION TO FOSTER YOU AND YOUR LAZINESS .GROW UP & LEARN HOW TO MANAGE YOUR CREDIT .
Capital one has always been the best in this kind of business. they helped me out when i was on my downfall, and assist me all the time that i needed help from them. I would like to a acknowledge this very kind agent from the philippines his name is eddie and as i can remember his employee thanks for helping me out! I would like to talk with you again.
Hello my name is Ronald Grim,I have been with Capital One for a few months but im here to tell you that I have never in my intire life dealt with a better customer service than Capital One,The Customer Support is like no other ive ever experienced,Capital One treats people with respect and professionalisim,From Stacy to Rodney to Kris and so many many more,I felt like I was part of a family,Its easy to sit and type all of those growsly misleading negative comments but thats the way people are,Because they are unhappy in they're own lives its easy to say aweful things about good and decent people.Capital One literally saved my life,I had nothing left in my life,I had gone through severe atrocitys that almost killed me,I lost everything I had,I felt hopeless until Capital One helped me to turn my life around,They gave me hope and treated me with kindness and it was not an act,They truly care.I concider everyone from Capital One a Friend,I had not felt more kindness and compassion that Capital One showed to me in years.I know that many people hate the big banks but I for one dont carry that hatred with me or in my heart.I plan on opening up.......Well thats kind of a secret but I will be going through Capital One for all of my business needs.Thank You Capital One,You truly are the best.
Most Kindly
Ronald Grim
I had my credit card right at my limit before I lost my job. I was unemployed for 4 months before I found something starting me at part time, and I'm working up to full time again. Obviously my account went over the limit with the interest rates as they are, and I was sent into collections. I stressed about calling for a long time before I got my new job, so I avoided it. I finally called today to ask about setting up a payment plan. I wish I had gotten the rep's name, because she was extremely nice and helpful to me. I explained my situation and she was very sympathetic and understanding, and she asked what I was able to pay per month with my current budget. She allowed me to set up $60 payments for a few months to start catching me up, and never pressured me into paying more or made me feel guilty about my situation. I hope my next call is like this one. To the rep, whoever you are, thank you so much!
Now I can't really speak much for any other CC companies as I'm 23 and had bad credit and just about 6 months ago decided it's time to try to start just letting collections come and say 'who cares theyll just report it to my credit WOW which with my history if I asked for a loan a bank would probably make me pay THEM for wasting their time after seeing how bad my score was LOL. However anyways I decided it's time to start trying to rebuild my credit as it is VERY important in many things in life as I found out many times the past three years, after 100% b& intentionally screwing over all the 'bad credit' cards who gave me a chance (i'd immediately spend the entire line/or take the entire line out as a cash advance and never pay a dime on purpose), credit cards that would give you like a $150 amount to spend out of a like $350 total line and then charge you a $200 fee cards like persay; First Premier, Rewards 660, Total Visa, Orchard Bank Mastercard which didn't have the bs 2nd chance fees like the others and I also screwed over Fingerhut for $350 in merchandise and Gettington Catalog for like $250, would get bank accounts and didnt purposely open the account to do this but I would end up well for the one account getting payday loans and they kept trying to take my payment out like 15x each time at a $35 overdraft fee before the bank closed it and put for collections, then my next 2 accounts they started the wh not too mention NON intentionally getting cell phones w/ contracts and not being able to complete the contract and having the bill be like my balance of 4 missed months of like $400 plus the contract early termination fee for 2 lines at $250 a piece then about $200 in late fees and ending with a totalled balance owed to T-Mobile, Sprint AND Verizon because I would get a job again and think I could keep it afloat even after the first one, then again at a later time with the 3rd contract, plus not too mention unpaid utility bills for like Verizon, Comcast, Direct-TV, etc. and ANYTHINB I ended up somehow getting charged/billed for but i'd never pay it because I know it 'would just go on my already bad credit' so why pay money I could spend on something else right? and those things would be like Unpaid Ebay Seller Fees, Magazine Subscriptions my debit card would no longer authorize for them but they'd still send a few copies thinking i'd update my billing info, and a moving truck company I returned like 2 weeks late making my charges WAY over what I gave them as a deposit and also for an Apartment Complex for breaking the lease by moving out before the lease end date ANYTHING & EVERYTHING!!!! But now I couldn't regret it anymore so because i'm paying it all back, or i've gotten about %40 off just by disputing them repeadily and about 1/5 of my bad credit accountS from a time period from when I was 18 are soon going to be elgible to fall off because of their age in about a year or less which is great, HOWEVER ANYWAYS getting back on topic here.
I decided to start rebuilding and besides getting rid of old bad debts you need to have some sort of current revolving account(S) on your credit to have a good score, so I like pretty much anyone else sided on a secured credit card, I went with Capital One because their actually INCREDIBLY strict for it being secured (because both my parents when they did the 'what card do I qualify for?' web page on their site they didn't even QUALIFY for the secured card lol, as most know 95% banks don't even pull reports and ficos for secured cards, but I heard they would alot make a persons credit limit like 125-175% of their security deposits (like the bank of america 99/500 secured visa, it's not advertised on their site as you will only know of it if you were approved or heard of it, it's a card with a $500 limit but they require a $99 security deposit) so basically they sometimes did PARTIAL securing with customers and make their line over what their deposit is, bad sadly they didn't for me but I also went with them for reason 2 which was because on my forum regarding credit alot of people that had a secured capital one card and paid on time for 6-18 months and over the minimum payment while keeping the balance pretty low in that 6-18 months they'd let their customers know their secured card is being converted to an unsecured card with say a $1000 limit when the people just had the minimum or small deposit amounts so thats $800 over their secured line AND it's unsecured as they got their deposits back WITH a little bit of interest it gained depending on the months they kept it, now not EVERYONE got converted, hell I heard of people with HUGE deposits like 2-5k and using 1-5% of their card lines at ALL times and paying the balance off on time every month on time, usually before the grace period for YEARS on top of the fact their credit history was now actually GOOD with say a 700 fico because of the payment history and of other cards and NEVER got offered a conversion to an unsecured card. so i'm not counting on that either but I chose capital one also for a 3rd reason for my secured card & thats because their pretty much a Prime Card Bank, Popular & A MAIN lending Bank which looks good for anyone viewing your report SEEING you have a card with a prime card bank (especially since it DOES not report as secured which brings me to my last reason #4 I choose them which is they report to all 3 CRA's and report it as a regular unsecured card vs. other banks who report it AS secured which lowers your score vs if it would of reported as unsecured for 3 years for example, and also for lenders personally viewing your report seeing that you have an UNSECURED line with a prime bank thats quite picky and dosent open lines for people with even good credit and being very picky, but however they approved you and gave you an unsecured line (even though it IS secured, its reporting unsecured so they think it) and after approval you never missed a payment either, have a low balance, have a low max used balance of say 25% usage of your limit, looks EXTREMELY well even if your credit and history from say 1 yr and past accounts, that in the last year you somehow luckily got approved by a prime bank somehow got a a chance, and you actually did FANTASTIC monthly and never even used more than 25% of your line and your average balance is only about 5% so yeah your past you didn't manage your accounts well, but the past year you did GREAT in fact you couldnt of messed up at all, so if I was the lender viewing that report i'd say well yep they were bad news more than a year ago, but presently & in the past year they pulled it together somehow whether its a stable income, responsibility or better bill management but they proved themselves they CAN be trusted and MORE!
Getting to my point I have an unsecured mastercard with Capital One w/ a tiny $225 limit and usually a high balance, I pay every month for the past 6 since opening however last week my grandfather died who lives a state away and my car in the shop and not being completed for 2 days I could only rent a car to get there, and every rental agency I called everyone needed a card and a deposit to be held on that card between $100-$500, I sent a moneygram express in minutes payment of my entire balance at around 10pm and had to attend his funneral the next day at around 2pm so had to rent a car and have money avail on the card at around 9am (which was 11 hours away). So at around 6am the payment still did not post I called Capital One and said I made a payment yesterday with moneygram USING MONEY IN MINUTES EXPRESS PAY and why it didnt post yet, and they informed me it will not post until the next business day after 8am and explained their funds availability policy; I immediately got extremely upset and shocked and explained the situation, the rep told me they have a special department called special customer account managment or something and said they settle things that sometimes are able to bend their policies or break them for situations, so I got transferred to a young lady, gave her all my info and confirmed my identity with the regular check and asked what she could do, histerical I said My father just died last week and his funeral is today and I must be able to rent a car in 2 hours to drive 3 hours away and to rent a car I need my payment of $220 to be available in the next 2 hours and I was told it will post tommorow!! She showed much sympathy and said she was sorry and reconfirmed I did pay w/ moneygram and I said yes, and I then said not regular 3 day moneygram and that it was express money in minutes which nearly cost $10, she then said still very concerned did you happen to get a reference number? I gave it to her and she typed it in and said I WILL be able to make your recent payment today and the funds will be available in about ten minutes after I enter this information I just have to place you on hold to do that, is that ok, can I place you on hold for just one moment again and im sorry for having to place you on hold again and all this stress *hold* ok sir im back I was able to confirm & post your moneygram payment of $220 just fine, it should show up on your account and be available in about 5-10 minutes, I replied with a GIANT thank you and told her your a life saver and she said again im very sorry for your loss but im very glad i was able to help you make your funeral today is there anything else I can do? I said no thats all thank you SO MUCH you'll never know how meaningful this is! she replied No problem sir, thats what were here for Enjoy your day and have a safe drive, thank you for choosing capital one again bye now!
I mean I know its not like they posted an ach payment instantly, and that like prepaid cards can get instantly posted w/ payments but thats a debit prepaid card. But to be able to post a moneygram payment I made only 7 and a half hours ago when their policy was to post in about 34 more hours! And I just spent pretty much alll my savings to make the payment which I wouldnt be able to refund or anything and the funeral was that day and I no longer had enough money to get any transportation after spending it on the payment for my entire secured card balance to rent a car.
So I was able to rent a car & attend my grandfathers funeral (may he RIP!), thank you capital one for saving my day and breaking policy like it was nothing for my emergency in life which is not yours but you acted as it was!
Thanks again Capital One, I REALLY know whats in my wallet and now can say that with pride! GREAT CUST SERVICE, american too A+++++ couldnt asked for a better situation there!! THANKS
just like to use this site as an avenue to give thanks to an agent named jean with id cvg596,she was fantastic and went beyond in helping me,i called very upset because of the hold on my paymnt, but she was so patient in explaining to me why theres a hold and she had it lifted, she was very calm and proffessional, i hope that all agents there are like her, she was a polished diamond.
I would like to commend one of your employees for a great customer service. He's niel huw253. I have been with capital one for more than 3 years now and I have been late for a month because of some financial problem. he helped me out and waived my fee. and even provided me options. he is so friendly.
I'm a Capital One Employee here in the Philippines. I place my comment here not to exonerate capital one from all of the negative thoughts I've read here but to say that its (Capital One) a good company especially the associates. I just like to express my deep frustration to customers who tend to be unprofessional and rude everytime calling us without considering that we are here to help them (customers) in EFFECTIVELY RESOLVING TRANSACTION CONCERNS. But unfortunately a vast number of callers (too many to mention) are yelling and speaking profane language to my co-associates even myself. How can we guys help you in the ways we can possibly be if you don't even deserved to be help. Capone associates are very nice and friendly and always ready to render true service. It's not Capone's intention if there are transaction issues exist on your account that's why we have what we call CUSTOMER SERVICE to cater all your needs- business needs and more importantly EMOTIONAL NEEDS. In addition, do not put the blame to associates, its not their intention too. We are here to diagnose every account issue you may have. Do not ruin the procedures set by Capone because we have circumstantial and substantial methods on how to help our customers. Just follow them and everything will run smoothly.
And dont forget to read the Terms and Conditions of Capone prior to sign it to avoid massive confusion.
THANK YOU!!!
CARLISLE from Philippines
I have been a Capital One customer for the past five years and I hadn't had a problem since about a week ago. I have never missed or made a late payment and I have used my Capital One credit card all over the world. I made my payment, as usual last week, and I assumed the payment had been processed as they typically are. It turns out Capital One authorized a payment of more than 700 dollars more than I had originally anticipated. Slightly panicked, I called Capital One and the agent assured me that they could resolve the issue. I educated the agent on the situation and she advised me to call my bank to see if they could refuse the payment before it cleared. Naturally, my bank needed a lot of paperwork from Capital One in order to refuse the payment. So I called Capital One back and a different agent answered the phone. This agent made it sound all too easy; she would cancel the payment without needing any paperwork from anyone and I would see the refund in 2-3 days, at the maximum. 3 days later I called Capital One wondering which time zone in which they were located because I still had not recieved any of the refund. Beyond the fact that I could not understand anything the agent said, he told me that the 'payment investigation' had not even began and that I needed to submit paperwork from my bank. Glorious. I educated the agent on my previous conversations with his colleagues and he wasn't assisting me any more than they had with their misinformation. After speaking with his supervisor, I was told that in order to begin the investigation I would need to submit a bank statement from my bank and they would credit my account min 5-7 business days. Honestly, the agents said how sorry they were and how horrible the situation was, but were doing nothing to fix it. I would avoid this credit card company at all costs.
I myself is a customer service representative and what I can advise yall is once you sign up for a credit you should know what are the terms and conditions so that you won't get mad once you bill arrive. Capital One is good company compare to others. They provide more flexible options with regard to credit card. Don't dare shouting those represenatives coz they're just doing their job. You will feel what they feel if you're in their situation.
I am a Capital One Small Business customer phone agent, in Canada. I want to address a few previous comments.
Firstly, we all know the main reason for outsourcing is because it saves a company money, we can't completely them. Also, the second reason is to try and allow Canadians like myself reasonable daytime work hours and not be banished to the 'graveyard shift', and India can handle many late and overnight calls - let's not forget that please.
Sid, I am sorry about how you were 'screwed over' with the payment allocation method used was to pay only a promotional rate balance, but I can guarantee you %100, it was not illegal, and is printed write on every credit card's welcome kit. Because something may appear unfair and 'catches you offguard', doesn't make it wrong or misleading, perhaps surprising, yes. And this was how the federal government permitted this to exist. And new laws are in effect Feb 2010 that make only minimum payments apply to lowest rates, and if you pay higher, that amount pays your highest rate balance now.
Keep in mind people, that these new laws impact card companies harder than you think. So much that, this is why other terms have unfairly, but still, legally, have changed, like tripled interest rates, Obama decided to leave uncontrolled. We are merely trying to offset the large losses from these 'assistances'.
Also, please allow me try to explain why rates change at awkward times, because I know it seems frustrating seeing Capital One want more from you during this recession:
Now, when our economy is in good shape, people have more money. We lower our rates then, under the assumption that now people can afford to apply more funds to their principle and not interest charges, as to 'prepare' for a financial 'downturn' and not have a large debt.
When the overall economy is in dire condition, rates will always increase. This is done to both prevent too much unpayable balance from being used with purchases, reduce general spending, and 'brace' ourselves as a financial institution.
No one provides a 'hand-out' if you will, in difficult times to accomodate the money-making 'whip-lash' the credit card company would suffer when the economy heals.
I mean, you, are helping us, to help you.
Like in early summer, the water is still winter-ishly frigid cold, and in late-summer to early fall, some water you can still swim in. This delay in nature is similar to how credit and loans work with the market, it appears as 'backwards', but is just delayed, deliberately, to have long-term benefits for all parties involved.
I hope this can shed some light.
P.S. the decisions are made by higher powers that done answer their phones, so try to be patient and channel your aggression somewhere other than regular people that will do what we can with what we are given.
Thanks guys.
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