Have You Had Problems with Captial One Credit Cards?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
25 posts
MasterRyu2011
 
Posts: 2
Joined: Mon Jul 07, 2014 10:55 am
Location: Boston, MA

Postby MasterRyu2011 » Mon Jul 07, 2014 11:33 am

Like others have said Capital One's customer service is lacking. They once closed my account accidentally and refused to pull the call on which they claimed that I asked them to close my account.

What happened was that earlier this year my expiration date was coming up in weeks time. I hadn't received my renewed card yet. I called them up and asked why I hadn't. They claimed that they had already sent the card a few weeks ago at that time. Since I told that I hadn't seen it in the mail, they had to close my current card and reissue a new one with a new number for security reasons. They stated that a new card will be sent out within 10 business days. Understood.

So I decided to just wait for the new card. My new card never arrived and I called again about a week after the expected arrival time. The lady on the phone apologized to me and said "Sir, you called in recently to cancel your credit card on [date of call]. You will not be getting any new card because your account is closed. " I was of course furious because I never authorized them to cancel my account. As per my first call, they agreed to send me a new card with a new number. They even had the notes for that original call. They claimed that I called again some time between my original call and my followup call to close my account. Sure enough, my online profile said the account was closed at that time.

Of course, their policy was that they could not reinstate an account once it's closed. There was nothing they could do other than offer me to apply again for a new card. Accordingly, I asked them to pull the call for verbal proof that I had authorized them to close the account. . The manager went around the bush in that they may not be able to locate the call and that only certain calls are recorded. I'm thinking "wouldn't it be very crucial to save a call in which a customer asked to close an account?" Either way, the manager promised to research internally and pull that call. She was supposed to get back to me in two weeks. She never did. I decided that I would just fight it with the Bureaus once the tradeline hits on the credit report that the account is closed.

Here's the funny part. About a month later after my last correspondence with them, I logged into my account online and the online profile showed that my account was active--- mysteriously reinstated! I never once received any other correspondence from them about this at all.

LOL...I emailed them to send me a new card, claiming that I had lost it. They did and the new card works just fine.

So whatever happened to my then closed account that was reactivated, I would never know. I'm pretty sure they would not have an answer for me either if I were to inquire about it.

I'm just glad my average age of accounts wasn't affected since it is oldest opened credit card.


justBrandon
Green Member
Green Member
 
Posts: 4
Joined: Sun Jun 22, 2014 1:38 pm
Location: IL

Postby justBrandon » Mon Jul 14, 2014 8:45 am

Hey peeps,

Long time reader, first time poster. I'd just like to chime in with my excellent experience with Capital One. Long story short, I've made mistakes in the past, and just recently I got my **** together enough to where I can handle/manage a credit card again. I applied for a QuicksilverOne card with a FICO score of 615 and I was approved with a $300 limit. So I was plenty stoked about that, finished the rest of the paperwork, and I was all set. A day or two later I received an email saying my card was on the way.

Thing is, around the same time I got a new mail man that was super-hardcore about names being on a mailbox (not unreasonable, but I have never had any issues with mail delivery in the 2.5 years I've lived there). Last Friday 7/11, I received an email from CapOne saying my card came back to them, call this number to verify your address, etc. I call the number, the IVR was a bit confusing, and I ended up getting routed to a nice lady named Yessenia in the new accounts department. I explain why I'm calling and she's like "oh, lemme get someone in that department for you, please hold..." She then comes back less than a minute later to make sure I'm still there, and tells me she has so-and-so on the line and that person is going to take care of me. I believe this is called a "warm transfer." I explain the situation to so-and-so, verify the information they ask for, and she says something along the lines of "because of the trouble, we're going to overnight you your new card." Lemme tell you, I was blown away!! They went above and beyond to resolve something that was clearly my fault. This morning I woke up to another email from them saying my card was on the way, via USPS overnight delivery, and gave me a tracking number to boot. My name is on the mailbox now, so I don't foresee any issues with delivery this time.

From my extremely limited experience with them thus far, I must say I am quite pleased.

justBrandon
Green Member
Green Member
 
Posts: 4
Joined: Sun Jun 22, 2014 1:38 pm
Location: IL

Postby justBrandon » Mon Jul 14, 2014 8:45 pm

Quick update to my above post:

The USPS tracking thingy said the card was scheduled for delivery tomorrow... about mid day I tracked it online to find it had been delivered at 9:15 AM. That was a nice little surprise to come home to!!

supercoolman
Centurion Member
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Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Tue Jul 15, 2014 2:01 am

justBrandon wrote:Quick update to my above post:

The USPS tracking thingy said the card was scheduled for delivery tomorrow... about mid day I tracked it online to find it had been delivered at 9:15 AM. That was a nice little surprise to come home to!!


that's a good story. I had a bad story.

few years ago, I apped for CO cash bask card and was instantly approved online. everything was good until I received the card. the name on the card was misspelled! I called CO to correct the spelling of the name. the CSR said sorry and told me they will overnight replacement card with the correct name. they did overnight the card with the correct name, but they also billed $16 on card for that overnight without telling me. I had to find out when activating card that there was a $16 charge put on the card.

Alpha_One
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Posts: 3
Joined: Wed Dec 03, 2014 7:33 pm
Location: San Diego, CA

Postby Alpha_One » Wed Dec 03, 2014 7:52 pm

I applied for and was approved for the Cap One Venture One(10k limit) Visa Signature card, and everything is running smoothly so far. Have not had it long, but everything seems fine so far. I wonder why so many people and turned off by Cap One.



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