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Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Cap 1 Madness

I read all of the Capital One stories in these forums and up until now couldn't relate to any of them.  I've had a Capital One secured card for a few months now, and I logged in to their site to check my balance.  I see a note that my count is restricted and I have to call a number to talk to a representative.

 

Concerned, I call them....to find out that they want to verify that my bank account is really mine.  It's 10:30 at night, I have no idea who they think they are going to talk to at a local bank, but until we get it straightened out my card is useless.   I was out of town today and thankfully didn't need my card for anything, but if I did it would have been declined.

 

I have several problems with this.

 

1.  I appreciate the fact that they want to verify this (I guess) but it didn't stop them from taking the money from my account. (over a week ago)  They left me dead in the water with a secured card that I am just trying to raise the limit on.  

 

2.  This bank account has made every payment on the card as well as the initial deposit and 2 previous increases.  If that wasn't good enough, I've been making auto loan payments to capital one from the same damn account for 7 months.  Why is this a problem now?

 

3.  My biggest problem....no phone call, email, text alert....anything.  They just shut my card off, and if I wouldn't have logged in to the site to check my balance I probably would have had an embarrassing situation of a card being declined that actually has plenty of room on it.  

 

Is this Capital One, or is this a common way of doing business?  It's no way to treat a customer.  I can't wait to move on now, it just has me steamed.

Regular Contributor
Posts: 234
Registered: ‎08-04-2012
0

Re: Cap 1 Madness

i'm surprised they made no attempt to contact you. My card got restricted for a different reason and I got an email right away. Capital One wanted to verify some suspicious activity on my card. I verified the charges to a fraud specialist who removed the alert and I have had no problems ever since.

New Contributor
Posts: 65
Registered: ‎09-25-2011
0

Re: Cap 1 Madness

Omg.   Me too!      I have just asked to be transferred to a supervisor.   This is the biggest load of crap I have ever seen.   

They tell me an account specialist has even assigned to me.  So I ask for the name of the account specialist       

 

 

Void all I was gonna write about cap one.     Just got off the phone with a supervisor and he handled my situation super!  

 

Always ask for a supervisor based in Richmond or Tampa bay.     They answer calls mon thru Friday  8am to 12midnight.    And I now have their direct number.  

1-1-11 350's TU/EQ
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New Contributor
Posts: 65
Registered: ‎09-25-2011
0

Re: Cap 1 Madness

Oh and I did mention myfico.  Lol

1-1-11 350's TU/EQ
MYFICO TU 656
EQUIFAX 593 TODAY
GOAL: HEAVEN
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Cap 1 Madness

Been with Cap 1 for 5 years never had these kind of problems.

 

BOA: 8.9k
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Established Contributor
Posts: 536
Registered: ‎08-26-2008
0

Re: Cap 1 Madness


tbc wrote:

Omg.   Me too!      I have just asked to be transferred to a supervisor.   This is the biggest load of crap I have ever seen.   

They tell me an account specialist has even assigned to me.  So I ask for the name of the account specialist       

 

Void all I was gonna write about cap one.     Just got off the phone with a supervisor and he handled my situation super!  

 

Always ask for a supervisor based in Richmond or Tampa bay.     They answer calls mon thru Friday  8am to 12midnight.    And I now have their direct number.  


 

During the course of you being passed around from one individual to another at Capital One, did you ever eventually find out why someone there was assigned to you ? During all this time that I've been reading Capital One experiences on different forums, I think this is the first time I've come across this experience.

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