At My Wits End with Capital One!

[pipeguy]

One reason I walked away from any and all branded Cap-1 cards is because there are layers and layers of BS before anyone will say "no" in my case. I'm treated very well with my Cap-1 backed GM card, but other than that I've closed every card I had with them and not that I've been a banking cusatomer with Cap-1 for over 10 years.... didn't matter. I have stong scores, a very good income and ZERO derogs, but Cap-1 could care less. Better for all my better account I suppose....

[JustBPatient]

All CS calls are recorded.  Have them review the tapes.  Good luck!!

[joesbrat67]

---

@JustBPatient wrote:

All CS calls are recorded.  Have them review the tapes.  Good luck!!

---

After about a month of phone calls and speaking with various supervisors, I FINALLY received the correct card, which is the QS WMC that I was advised I was eligible for. Needless to say, no one consumer should EVER have to go through the hassle of being told that they're eligible for an upgrade, be sent the wrong card and then be told that the upgrade offer couldn't have happened because "that's not what we're allowed to do".

Persistence does pay off.  It also helps when you take very meticulous notes indicating dates, times, who you spoke to and what was discussed.  

[csryang]

---

@joesbrat67 wrote:

---

@JustBPatient wrote:

All CS calls are recorded.  Have them review the tapes.  Good luck!!

---

After about a month of phone calls and speaking with various supervisors, I FINALLY received the correct card, which is the QS WMC that I was advised I was eligible for. Needless to say, no one consumer should EVER have to go through the hassle of being told that they're eligible for an upgrade, be sent the wrong card and then be told that the upgrade offer couldn't have happened because "that's not what we're allowed to do".

Persistence does pay off.  It also helps when you take very meticulous notes indicating dates, times, who you spoke to and what was discussed.  

---

Nice man. I'm happy for you. I'm in the exact same situation as you- CapOne QS platinum and 7k limit for years. The difference is that I was told they cannot change my card from Visa Platinum to MasterCard. They said I have to product change to another their mile earning MasterCard before changing back to QS MasterCard if I'm eligible for it then....  Lucky You!! Was the conversion create a new account for you or the account number was the same? No inquiry I assume? Maybe I should call them again about this later.

[joesbrat67]

---

@csryang wrote:

---

@joesbrat67 wrote:

---

@JustBPatient wrote:

All CS calls are recorded.  Have them review the tapes.  Good luck!!

---

After about a month of phone calls and speaking with various supervisors, I FINALLY received the correct card, which is the QS WMC that I was advised I was eligible for. Needless to say, no one consumer should EVER have to go through the hassle of being told that they're eligible for an upgrade, be sent the wrong card and then be told that the upgrade offer couldn't have happened because "that's not what we're allowed to do".

Persistence does pay off.  It also helps when you take very meticulous notes indicating dates, times, who you spoke to and what was discussed.  

---

Nice man. I'm happy for you. I'm in the exact same situation as you- CapOne QS platinum and 7k limit for years. The difference is that I was told they cannot change my card from Visa Platinum to MasterCard. They said I have to product change to another their mile earning MasterCard before changing back to QS MasterCard if I'm eligible for it then....  Lucky You!! Was the conversion create a new account for you or the account number was the same? No inquiry I assume? Maybe I should call them again about this later.

---

The upgrade didn't change the account number, which may or may not cause issues down the road.  My understanding is that MC recognizes the World or World Elite status from the BIN # (the first 6-digits of the card #), so I'm not sure how MC will see the update.  As for an inquiry, none has occurred - at least, no hard pull has occurred.

Hope this helps!

[Anonymous]

---

@joesbrat67 wrote:

---

@csryang wrote:

---

@joesbrat67 wrote:

---

@JustBPatient wrote:

All CS calls are recorded.  Have them review the tapes.  Good luck!!

---

After about a month of phone calls and speaking with various supervisors, I FINALLY received the correct card, which is the QS WMC that I was advised I was eligible for. Needless to say, no one consumer should EVER have to go through the hassle of being told that they're eligible for an upgrade, be sent the wrong card and then be told that the upgrade offer couldn't have happened because "that's not what we're allowed to do".

Persistence does pay off.  It also helps when you take very meticulous notes indicating dates, times, who you spoke to and what was discussed.  

---

Nice man. I'm happy for you. I'm in the exact same situation as you- CapOne QS platinum and 7k limit for years. The difference is that I was told they cannot change my card from Visa Platinum to MasterCard. They said I have to product change to another their mile earning MasterCard before changing back to QS MasterCard if I'm eligible for it then....  Lucky You!! Was the conversion create a new account for you or the account number was the same? No inquiry I assume? Maybe I should call them again about this later.

---

The upgrade didn't change the account number, which may or may not cause issues down the road.  My understanding is that MC recognizes the World or World Elite status from the BIN # (the first 6-digits of the card #), so I'm not sure how MC will see the update.  As for an inquiry, none has occurred - at least, no hard pull has occurred.

Hope this helps!

---

Based on my experience they rarely change the account number if not at all. As long as your card / account says WMC it should populate with MasterCard as well. 

[TiggerDat]

Really?  Another CapOne has pissed me off story?  I don't believe it!  Really, no really, no ha ha, really, oh OK I believe it.....

[elim]

Although I have never asked a C1 CSR to upgrade or PC a card, I have had great service from them dealing with my accounts over the past 3 years. Not all CSR's are created equal (I must have been lucky).

[UncleB]

---

@elim wrote:

Although I have never asked a C1 CSR to upgrade or PC a card, I have had great service from them dealing with my accounts over the past 3 years. Not all CSR's are created equal (I must have been lucky).

---

Same here... while my QS1 to QS upgrade took forever for an 'offer' to become available, I've actually always had good service when I've called or chatted.  Admittedly I seldom have to contact any of my lenders, but the few times I have reached out to Cap One things went well.

[PrinceCorwin]

---

@UncleB wrote:

---

@elim wrote:

Although I have never asked a C1 CSR to upgrade or PC a card, I have had great service from them dealing with my accounts over the past 3 years. Not all CSR's are created equal (I must have been lucky).

---

Same here... while my QS1 to QS upgrade took forever for an 'offer' to become available, I've actually always had good service when I've called or chatted.  Admittedly I seldom have to contact any of my lenders, but the few times I have reached out to Cap One things went well.

---

Ditto. Still waiting for the QS1 to QS PC option to come available but my QS1 is less than a year old and was a starter card afterall. Bottom line is I've had a pretty good experience with them... so far