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3.5

In refinancing our home we discovered a lien from Capital One from over 10 years ago. Backtracking through our records it showed we had paid this off in full the year before with a debt consolidation loan.

Unfortunately, Capital One has either an 800 number that tells you all 'circuits are busy' or snail mail alternative. After DAYS of trying to get through and faxing my letters to multiple different numbers, I finally got through and was told they were sorry and yes, it had been paid. Their sorry cost me an increase in my interest rate.

In this day and age not having an email or a working customer service number is unacceptable. This should have taken hours to correct, it took weeks!

Location: Media, Pennsylvania

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