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I've had my Capital One secured card open since June 2015, every payment that I've made has been placed on a hold. I made a payment on 09/11/2015, on 09/14/2015, I chatted with a rep who told me that my hold would be removed on 09/15/2015 8am ET.

On 9/15/2015, I checked my available credit at 9am ET, no available credit. I called and spoke to a representative and she stated that she needed to transfer me to an ACCOUNT SUPERVISOR. This lady was AWFUL. I attempted to inform her that I my bank account is an international bank account from when I served in the military and that they would not be able to call, I would have to call the bank with them on the line LIKE I"VE DONE EVERYTIME BEFORE THAT.

She became really confrontation and started to speak down to me. I went right back to her (now when I think of it I shouldnโ€™t have allowed her to bring me to her level) with the same animosity that she was showing towards me. I then asked her, what would happen to my deposit if I requested to close my account, I was IMMEDIATLEY without warning transferred to REP MFP883, he came on the line ready his script. I informed him that I did not need any of that information, I just wanted to know what will happen to my deposit IF I CLOSED MY ACCOUNT.

The call then dropped mysteriously. Nothing was agreed upon on my end. I NEVER authorized MFP883 to close my account. I called back immediately and to my horror, the automated system said my account was closed.

SINCE then I have spoken to NUMEROUS reps, sups, whatever else you can think of and NO ONE can resolve this issue. I cannot for the life of me understand how ones account can be closed without approval. Iโ€™ve worked at Capital One in the past (2009-****), we were NEVER allowed to close someone's account unless they agreed to the terms of the close request. I was never informed of any disclosures, when MFP883 came on reading his "disclosures" he was interrupted by me and I informed him my intent was not to close the account, I just wanted my question answered about my deposit.

I understand that I may not have million or even thousands on hand, I am a very TINY fish in the POND that Capital One caters too but im a consumer and should be treated as such. I now have my account closed, my son's daycare will be charging the account any day now, I cannot change payment method's because it was already processed and I have ZERO answers from CAPITAL ONE on how they will resolve this issue that THEY (MFP883) created. Iโ€™ve called the executive customer service team 703-720-**** and they are supposedly looking into this.

I just decided I would share this horrible situation. Hate to complain but I also HATE to be treated unfairly..

Reason of review: ALL OF THE ABOVE.

Preferred solution: Let the company propose a solution.

Location: Richmond, Virginia

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