Capital One

I received an offer through the mail for an 18-month zero APR, so I applied online using the information from the mail. However, after about 5 months, they began charging me fees for not paying the full amount owed, even though I was paying more than the minimum amount required.

In response, I called them several times. Despite my efforts, I was told there was nothing they could do to change the situation, and they offered to send my feedback to the company. However, who cares about feedback? There are plenty of credit cards out there offering no fees in the first year or two, so I would never have signed up for this one if I had known they were going to charge me interest!

Stay away! This is a misleading offer with poor marketing and useless customer service.

Capital One's response states that the letter dated July 18, 2024 needed me to send my personal identifying information through the USPS which is an unsecured method of validating information because Capital One has "enhanced security measures." Secondly, the fact that the letter dated July 18, 2024 has my mailing address and name on it and I responded to this letter dated July 18, 2024 through my Better Business Bureau complaint is in fact validating my personal identifying information because the letter dated July 18, 2024 was received by me to add to my BBB complaint. This also confirms that Capital One did "IN FACT" have my personal identifying information in their database as I stated in my complaint.

Further, Capital One upgraded one of my Capital One credit cards to a QuickSilver Platinum (0514) card recently just after my BBB complaint. I also mentioned a Capital One letter regarding my WalMart Capital One credit being upgraded to a QuickSilver Platinum card on October 31, 2024. All of these documents including a front/back copy of my recent upgraded Quicksilver Platinum card ending (0514).

Finally, as my BBB complaint stated Capital One had my information in their database for ALL MY CAPITAL ONE CREDIT CARDS, they confirmed my identity through their July 18, 2024 letter which WAS RECEIVED because it was attached to my BBB complaint, and Capital One has "ENHANCED SECURITY MEASURES" but expect me to send my PERSONAL IDENTIFYING INFORMATION THROUGH "UNSECURED" MEANS. Richard Fairbanks CEO, Capital One has a LinkdIn account so I will be sending him all of this complaint with supporting documents, I will also be complaining on as many online reviews, complaint sites I can find because I believe ALL CONSUMERS SHOULD BE AWARE OF HOW CAPITAL ONE RUNS THEIR BUSINESS AND EXPECT CONSUMERS TO EXPOSE THEIR PERSONAL IDENTIFYING INFORMATION WHEN THEY KNEW FULLY WELL IT WAS UNNECESSARY AND CHOOSE TO HIDE BEHIND "PRIVACY" BUT INGNORE THEIR CONSUMERS "PRIVACY" WHEN REQUESTING INFORMATION FOR THEIR "ENHANCED SECURITY MEASURES!" I requested the HARD INQUIRY be removed from my credit reports and Capital One for all of their harassment and they denied it.

Capital One Reps/Managers,

JC- kjh599, spoke to on 03/16/24, very polite very empathetic but did the best she could) had to escalate to escalate to supervisor Mary- lsa222, who also did a great job with helping me follow the process on the things I need to send in and set proper expectations

03/26/24

Ivy (lied on call to tell me what wasn't there when evidence was provided and she looked at nothing), then when escalated to Manager Sam (was very argumentative on call, did not look at anything before giving me proper evaluation and gave me no options to address concern (Before 10am)

03/28/24

Sherri (verified evidence and supervisor that validated evidence)(415pm), Manager Mel (took over an hour to review evidence just to not resolve anything or honor my request to dispute my charge as requested. Ridiculous amount of time wasted while being at work when it seems like he was purposely dragging along the time until he got off of work(430pm)

Kat, lied on call to tell me I never spoke with a manager but never took a look at any notes until after the fact and then escalated call since it was evident she wanted to do the bare minimum (830pm)

Adis, Manager (855pm)

Olh614.

What a huge disappointment to have this many working for such a company. Refused to give me any information about the time frame of notes on file and was very combative, argumentative. Extremely unprofessional on the call and he should be investigated and/or fired after you take the time out to listen and review the call that took place as he painted me out to be someone who was trying to get over when that is not the case. The call felt very targeted and discriminated through his tone.

He was extremely aggressive with his tone which is unnecessary and disappointing to have with the company when as a customer I was trying to work with someone to get my issue resolved

Ricky, Pkk405, this man should get a promotion. He handled himself with professionalism and was empathetic. He knew exactly what to do and provided me with vital information as to how we can try to make the issue try to work out for me in my favor

Was told by multiple agents and mgrs (including Ricky) that my evidence was validated on the 16th and on the 19th of March which is also why I received the provision credit twice. So I do hate that I have to write to the corporation of the matter but I am trying to make sure I stick around to be a customer with Capital One because how this experience has been going for the people who have lacked, now has created tension with me as a paying customer and this is mainly with your management team.

I need this to be rectified as I have even decided to stay with this company when upgrading my card to the QuickSilver card and was looking to upgrade again but if this issue is not resolved and your company is not willing to be on the same page since one set of people are doing the work to help their customers and the others are not alongside of handling their customers in an extremely unprofessional and uncomfortable manner then we have a huge conflict of interest. Feel free to give me a call or email me at the contacts that will be listed below. Thank you and have a blessed day

04/02/24

Eman, (8:30pm)

Once again another agent asked me to provide documentation that I have already implemented into the system/link that the company asked me to provide. I am very unsure why we are back to square one with this situation.

As when addressing the concern, the agent did not provide any sound information as to why. He stated I should resend in my documents when he seen everything that I've sent in as the company has asked for me to do

Eman warm transferred to an unknown manager and the manager did not state his name nor did he say much on the call. The call magically disconnected and that was my last straw with the company so as a reference to the corporation I genuinely hope you resolve this matter as I will no longer be a customer for Capital One. You can go back and fourth with RIU Palace Pacifico as they will not get any money from me and Capital One will NEVER attain business from me in the future as this matter was handled poorly and the company has a lot of work to do as their frontline workers and management team are not following the same policies and procedures.

Please look into the calls on the days listed with the front line workers and managers that I've spoken with. The company is welcome to alleviate me from the potential charge that I am disputing that I did provide substantial amounts of evidence for as the dispute department did not do their job to fight for their customer

Let it be known that Capital One and RIU resorts will come to an agreement to address the charge between each other because neither company is going to receive a penny from me

Capital One double-charged me for a significant amount, and I've been trying to get connected for days to prevent one of THEIR charges from going through since I don't have the funds. I called someone tonight for help as the charge still hit, despite being told otherwise.

The guy's name was Diego, he was rude and didn't care about my situation considering this is my first solo time opening a bank account and as a college student, I need enough money to pay for my classes, which now, I don't have and might get dropped.

He said that he had already told me he couldn't do anything despite just trying to redirect me to credit cards? I just want my hold dropped as this will create a lot of issues for me in the future, and I may have to now miss a semester of college because of their lack of support.

David E Barboza

Local Guide·30 reviews·6 photos

just now

New

As a 20+ year loyal customer, I am so deeply frustrated and frankly disgusted with my recent experiences.

I am out of the country with limited access.

My accounts were cancelled due to proven fraud.

It has been an odyssey trying to get my account reinstated among other issues.

I am tired of paying .30 per minute in dealing with out of the country customer service.

Today, when asked to be transferred to the United States Customer Service, I spent 53 minutes with agents who were knowledgeable and helpful.

The proverbial straw that has 'broken the camel's back' is when getting access to my account information I realized I had a past due balance of $22.10.

This was not paid because when my account was fraudulently used, auto-pay was disabled.

There are accumulated interest fees and penalties close to $100.00!

I offered to immediately pay the overdue amount, but was told by a supervisor who claimed she was the highest point of resolution, that they could not be waived!

Is this the manner in which you provide good customer service to an over 20-year customer with substantial monthly charges and a history of on-time payments?

At this point, I'm seriously debating discontinuing any future business with them.

I've had a moment to search online and see the mounting dissatisfaction with this once great company.

And to add insult to injury, I've received 6 incoming calls from them in the past week, which when I answer and continually say hello, no one is there, and then disconnects after 30 seconds!

In speaking with them today, no one could provide me with who is calling and the reason.

Interestingly enough, I was going to call the corporate offices, but amazingly there is no number anywhere.

Good thing I'm out of the country, or I would go bang on their door to get someone's attention!

How sad for what once was a great company to do business with.