Just for laughs - a fake conversation w/ CO CSR....enjoy!

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MemberSince99
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Just for laughs - a fake conversation w/ CO CSR....enjoy!

Postby MemberSince99 » Mon Oct 28, 2013 3:03 pm

Here's one dedicated to those of you with Cap One cards who've dealt with their customer service (we put the VICE in service!). Enjoy!

CSR: Thank you for calling Capital One a conservative lender my name is Ragesh may I please know your first name and last name?
Me: My first name is XXX and my last name is YYY.
CSR: Thank you for that Mr. YYYY how are you doing today?
Me: Very well thank you and yourself?
CSR: Very good thank you for that. Please give me one moment to pull up your account.
Me: Ok
CSR: Ok and how may I assist you today?
Me: I'm calling because I just today the 28th made a payment on my account of the full balance which reports on the 31st. I'm wondering if the payment amount will be credited by then so that the balance which reports to the credit bureaus will be 0?
CSR: I understand that you are asking me about the credit reporting bureaus. These are not part of Capital One which is a conservative lender, and are separate companies. To get answers to your questions on them would you like me to provide you with the phone numbers for each of the agencies?
Me: No I'm not asking about the agencies, I would like to know if the payment I made today will be posted to my account before the balance is reported.
CSR: I see that you are asking about your payments. Well sir, you may make a payment at any time to your account. You can pay online, you can mail us the payment, or you can call us and provide your banking information and we will be happy to assist you. Does this answer your question Mr. YYY?
Me: NO it does not! I know perfectly well how to make a payment I just made one! I'm asking you if the payment is going to be posted to my account in time so that the balance reported is 0?
CSR: Well Mr YYY as you may know we do report your account activity to the agencies which is why it is very important that you make your payments on time as this affects your credit score.
Me: I know that dammit will you PLEASE just answer my question before I beat my head against the wall in utter frustration with the futility of this conversation?
CSR: I'm so sorry sir may I please know what other question that you have that I may answer for you?
Me: Never mind have a great day (click) Mutter under my breath "why the hell do I even bother...."

Hope you enjoyed! The scary part of this is, if you've ever called them, this is basically how it goes....except I left out the part where they tell you that they are not currently accepting requests for customer initiated credit line increases.


iHackerSix
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Postby iHackerSix » Mon Oct 28, 2013 9:22 pm

Hahahahhahahaha.... that is hilariously accurate !!! OMG, just made my day. I remember my last phone conversation with CapOne where the rep was "So happy to help me close my account" !!! I couldn't believe his wording. So to all those with good experiences and praise for CapOne, great... but, to some of us who really have NOT had a good time with them, Goodbye and good riddance.

SClay
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Postby SClay » Mon Oct 28, 2013 9:59 pm

I've had nothing but excellent experience with Capital One. I've probably used their live chat 5+ times now and each time has been informative and right to the point. While most the answers are generic and I have a feeling they have a list of things to click if the customer asks X, from my experience Capital One has great customer service. That's from my experience though. It's unfortunate some people have these CSR's.
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jumbo
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Postby jumbo » Mon Oct 28, 2013 11:08 pm

Haha.. thats funny....
I have had a similar conversation with a CSR from Citi as well. My question was, if I requested the CLI will it be a hard or soft inquiry. And the CSR lady never gave me the answer, instead offered me the number of Experian customer support.
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MemberSince99
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Postby MemberSince99 » Tue Oct 29, 2013 6:36 am

SClay wrote:I've had nothing but excellent experience with Capital One. I've probably used their live chat 5+ times now and each time has been informative and right to the point. While most the answers are generic and I have a feeling they have a list of things to click if the customer asks X, from my experience Capital One has great customer service. That's from my experience though. It's unfortunate some people have these CSR's.


That's great, but you are clearly the exception. My own experience with them is as above, which is how I came up with that in the first place, and just like iHackerSix, when I called to close the 500 limit card that would probably never get a CLI, the rep was absolutely thrilled to close it. All it took was the word "close" and THAT they understand and jumped on that thing like a starving pit bull on a hot dog and it probably wasn't but 20 seconds later I heard the rep say in a cheerful voice that the account had been closed, and they had done their duty to their company by protecting Cap One against that onerous 500 dollar potential liability. Woo hoo, you could almost imagine the corks popping in the executive suite to celebrate that, shareholder value is looking up now!

Just for laughs sometime try calling them with anything out of the ordinary that isn't what is my statement cut off date or what is my credit limit or something obvious and sit back and enjoy. Make sure it's not a serious question as that would be very frustrating if you actually need an answer though.

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jumbo
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Postby jumbo » Tue Oct 29, 2013 9:57 am

My last phone call to CO was to talk about the CLI on my Platinum Select Card (which now I have changed to Quicksilver).
I was not offered a CLI, no surprise there.
I then emailed to the CEO of CO, got a phone call from executive office, and my credit limit was increased by 750 to a total of $2500.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
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MemberSince99
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Postby MemberSince99 » Tue Oct 29, 2013 10:20 am

You did good to get that. That's 750 more than I've gotten from Discover, Chase and Amex combined. Of course I burned all 3 so that's why.....

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otter
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Postby otter » Tue Oct 29, 2013 5:28 pm

That was funny, member... Don't they usually use a fake(American) name, though? If their real name was "Ragesh" they would probably say they were John, Brad, or (more likely) Peggy.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Tue Oct 29, 2013 8:21 pm

Actually I am not sure if they used any name at all (Cap One). Now the IT recruiters, yeah they call with an accent so thick you could cut it with a knife and tell you their name is "George" I'm like yeah right if your REAL name is George I'm the President of the US. But very good point, I don't remember now if they actually gave their name or not.

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Postby dickey1331 » Wed Oct 30, 2013 11:35 am

That was pretty funny and sad.
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