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On June 3 2022 I called Capital One about my credit card account. I had a card with an annual fee and asked the woman if I could switch to a card without an annual fee.

She said I could, and I asked her could I get my annual fee refunded and she said yes but I would have to call back after my card was switched to the non annual fee card(same account number). After I received the card I called in to get a refund for the annual fee and was told it would have to have been refunded before the card was switched. I asked to speak to his manager and he said the annual fee could not be refunded after it is billed. 3 people 3 different stories.

The account manager wouldn't budge so I told him to close the account which he promptly did. I would reccomend another bank if you'r looking for a credit card, because Capital One doesn't seem to care about their customers and can't even keep the rules straigt between employees.

User's recommendation: Stay Away.

Monetary Loss: $95.

Preferred solution: Full refund.

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So, you found out just how little you meant to these people. I'll bet you were shocked when they accepted your proposal to close the card.

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