shawn m Way
map-marker West Hills, California

Capital One credit card complaint!

I have had a Capital One PLATINUM Credit Card for over a month. I still cannot access my account statement online. (Although I can pay my bill online). Each time I send an e-mail complaint, I am told to call customer service (who are "offshore" - i.e. India). They are unable to help me either, I am told they are having "computer problems". This has been going on for over a month!!!. The worst customer support I have ever experienced. Tried calling thier VP's with no luck and no one at the VA office would help me. Stay Away.....
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5 comments
Guest

I just files a complaint to FTC & State:

CaptialOne System Errors Causes Customers Suffer a Big Lost.

The CapitalOne Credit card company advertises and frequently sends promotion checks to customers allowing them to use checks for purchases, cash, or transfers with no transaction fees. However, their system automatically put on hold customers credit account for trivial/wrong reason. Consequently, customers suffer charge back for returned checks and fee for cancelled checks even they have never spent over limit on their CapitalOne credit accounts.

On 7/17/2012 I paid $2000 for my credit line of $2000. CapitalOne accepted this payment and my balance became -$90. That meant CapitalOne owed me $90 and my balance had $2000 available. The next day, 7/18/2012 I wrote a CaptialOne promotion check #12923 of $1800 and deposited to my checking account at Bank of America. However, until 5 days later, on 7/23/2012 I knew the check was denied. Bank of America charged back $12 for returned check and subtracted $1800 from my bank account. I also suffered fees from other cancelled checks due to insufficient checking account at BOA.

On 7/24/2012 My account balance is $0, my available credit $2000, I wrote another check #12924 of $1820. Still, again my account is on hold due to other banks deposit $3000 into my account on 7/26/2012.

I contacted CapitalOne five times about this problem. They said: "An account will be put on hold if there is (1) Large amount of payment or (2) Multiple payments. It is automatically system, they cannot change it.

These are wrong reasons because Capital accepts large amount and multiple payments from customers. Why did they accept payment and then put on hold their customer account? They can put on hold the amount deposited until it is cleared. But they should not put on hold consumer credit line or their entire credit account. Put on hold credit line and put on hold the check is different matter.

CapitalOne said they want to make sure the amount received is cleared. However, the amount should be cleared before posting the transaction. They should post only after the amount is cleared and should give the accurate balance on their customer credit accounts. For example, it is very confused for customer having balance negative -90 after paying $2000, but credit is not available as if they paying late. The payment from customer in large amount to CapitalOne is not customers' false. Customers do not spend over limit on their account. Instead, customers pay to increase the amount available on their account. It is different from late payment.

CapitalOne also failed to notify me about their decline as they stated in section “Important Information About this Offer” on the info how to use Capitalcheck promotion.

I believe hundred thousand customers have been suffered such wrong and unfair practice. FTC and STATE should investigate to protect other Citizens from this error.

I want CaptialOne pay back any charge back fee by Bank of America, other cancelled check fees, and other lost due to CapitalOne system error.

Guest

I recently applied for Capital One gold card. Once I received the card, even before activating it got a call from their anti fraud department saying that they have seen some discrepancy in my credit reports.

I don’t know which one these people are checking but this is definitely not my first credit card because I have few other credit cards and not even mentioning a new mortgage with a new institution and no one has ever said anything about this to me before. They are basically asking me to send them a whole bunch of documentation to prove to them that I’m actually the one who applied for the card. At this point I’m fed up with Capital one, however I feel if I don’t prove to them my identity this would tarnish my credit store. Their customer service is awful and they treat you like a criminal, and they actually keep you on line waiting for 20 minutes before actually answering your call.

I really regret to have applied for this card. If they saw a discrepancy as they say in my credit report why did they send me that card in the first place? And when I ask them what the discrepancy is they don’t even want to assist me. I don’t care about their card anymore.

All I want to do now is to clear my name, activate the card and cancel it right away. This is warning to everyone out there, DO NOT APPLY FOR ANY CAPITAL ONE CREDIT CARD.

Michele D Xdc

I have had no luck with their customer service either. They do not care about their customers, the care about their revenue more. Not consumer friend'y, since issues never get resolved.

Guest

They have the absolute worst customer service I have ever experienced. I've sent 3 emails and call the customer service call center 5 times regarding the same issue.

Nothing has been resolved.

I'm not going to let this rest. I plan to contact the company's officers.

Guest

Totally true. I'm sorry to tell you, but it is not going to change.

I've have a Platinum card with Capital One for over 5 months. Still can not view anything online. I can pay online, but that's about it. After calling 1-800-INDIA all of the time to politely ask about this situation and getting no results, I gave up.

Unfortunately when I first got the credit card I also opened a High Yield Money Market.

Same problem online. Can't see transactions, locations, amounts...If you're big with online banking, I would not recommend Capital One.

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