topic Re: * Capital One EO No longer doing Manual Review CLIs !! in Credit Cards

* Capital One EO No longer doing Manual Review CLIs !!

Anonymous — Thu, 19 May 2016 19:55:07 GMT

Well, as promised, I have not done any new apping / HPs since my BofA debacle last month -- so, I decided to try for a SP CLI manually with Cap1 since I have a year old card that I run TONS through and PIF monthly, sometimes twice, and have a 6 month old card with a much higher limit. Called EO with my PIN #, spoke to TWO reps who stated "That as of last week, our policy has been updated and we are no longer accepting requests for Manual CLIs - Capital One has made this decison and it may or may not change in the future, but as of just last week this policy has been updated"....

Looks like either the EO truly was being "abused" for these matters, OR more trivial matters, OR someone is blowing smoke I definitely had the EO and spoke to 2 different people, and they both put me on hold to confirm with managment so it seems legit. She also made it sound like the UWs were the ones who decided this, or at least aided in the decision, as they are already a "very busy department" ... my question is, what do they do all day if they arent taking manual CLI reqeusts lol ?? Cap1 approved or denies almost always via their computer ! So it seemed odd, but okay !

So FYI -- anyone looking to go the CLI route via EO, may no longer be an option -- she said the only way possible now is via online or automated system channel.

If others have other outcomes, feel free to post. As for me, in the Garden I stay

Re: * Capital One EO No longer doing Manual Review CLIs !!

creditguy — Thu, 19 May 2016 20:02:48 GMT

Could be blowing smoke but I could see this being true, I get the reason for having an EO especially with the quality of the drones they have reading a scrpit on the front lines. But I have seen many threads where people have contacted the EO with the most trivial and unrealistic demands. I'm reading about people who have six months of history demanding huge CLI's and PC's to elite status cards with scores of 630 and getting angry with the EO when they fail to please them, while reading this I'm thinking how long before this kills the golden goose.

Re: * Capital One EO No longer doing Manual Review CLIs !!

Anonymous — Thu, 19 May 2016 20:10:19 GMT

I hear ya although calling for a CLI is tempting because the online system is soooo hit or miss. So I can get people calling for that after repeated denials.

However I agree many others utilize it for BS purposes. The other issue is, as you said, Capital one has some of the dumbest CSRs ever known so it doesn't help either -- even their SR CSR ARE hit or miss at best.

I guess time will tell.

Re: * Capital One EO No longer doing Manual Review CLIs !!

creditguy — Thu, 19 May 2016 20:14:18 GMT

@Anonymous wrote:
I hear ya although calling for a CLI is tempting because the online system is soooo hit or miss. So I can get people calling for that after repeated denials.

However I agree many others utilize it for BS purposes. The other issue is, as you said, Capital one has some of the dumbest CSRs ever known so it doesn't help either -- even their SR CSR ARE hit or miss at best.

I guess time will tell.

Oh for sure, I get what you are saying and it makes total sense, it's just there is a time and place for this and that's why I say the EO does exist for a a reason, but like anything, once it gets abused it's never the same.

Re: * Capital One EO No longer doing Manual Review CLIs !!

DoroLucky — Thu, 19 May 2016 20:46:41 GMT

I say they are being abused LOL and I'm right in the garden with you.

Re: * Capital One EO No longer doing Manual Review CLIs !!

DoroLucky — Thu, 19 May 2016 20:36:33 GMT

They locked us out by putting a PIN now they're not doing manual CLI's...what is next? LOL

Re: * Capital One EO No longer doing Manual Review CLIs !!

Anonymous — Thu, 19 May 2016 20:45:32 GMT

Lol capital one is an odd animal

Re: * Capital One EO No longer doing Manual Review CLIs !!

Loquat — Thu, 19 May 2016 20:50:25 GMT

@creditguy wrote:
Could be blowing smoke but I could see this being true, I get the reason for having an EO especially with the quality of the drones they have reading a scrpit on the front lines. But I have seen many threads where people have contacted the EO with the most trivial and unrealistic demands. I'm reading about people who have six months of history demanding huge CLI's and PC's to elite status cards with scores of 630 and getting angry with the EO when they fail to please them, while reading this I'm thinking how long before this kills the golden goose.

I understand your point. And honestly, it wouldn't shock me if one day Synchrony pulls the plug on Credit Solutions. I hope that day doesn't come, but if it does I honestly wouldn't be shocked.

Re: * Capital One EO No longer doing Manual Review CLIs !!

SouthJamaica — Thu, 19 May 2016 20:51:04 GMT

@Anonymous wrote:
Well, as promised, I have not done any new apping / HPs since my BofA debacle last month -- so, I decided to try for a SP CLI manually with Cap1 since I have a year old card that I run TONS through and PIF monthly, sometimes twice, and have a 6 month old card with a much higher limit. Called EO with my PIN #, spoke to TWO reps who stated "That as of last week, our policy has been updated and we are no longer accepting requests for Manual CLIs - Capital One has made this decison and it may or may not change in the future, but as of just last week this policy has been updated"....

Looks like either the EO truly was being "abused" for these matters, OR more trivial matters, OR someone is blowing smoke I definitely had the EO and spoke to 2 different people, and they both put me on hold to confirm with managment so it seems legit. She also made it sound like the UWs were the ones who decided this, or at least aided in the decision, as they are already a "very busy department" ... my question is, what do they do all day if they arent taking manual CLI reqeusts lol ?? Cap1 approved or denies almost always via their computer ! So it seemed odd, but okay !

So FYI -- anyone looking to go the CLI route via EO, may no longer be an option -- she said the only way possible now is via online or automated system channel.

If others have other outcomes, feel free to post. As for me, in the Garden I stay

It's a shame. I twice used their E.O. department, and found it to be extremely professional. I was treated so respectfully, and they really paid attention. I felt that if my request was granted, or if it was denied... either way... I would be satisfied that I was treated fairly and professionally.

Re: * Capital One EO No longer doing Manual Review CLIs !!

UncleB — Thu, 19 May 2016 21:13:59 GMT

@Loquat wrote:
@creditguy wrote:
Could be blowing smoke but I could see this being true, I get the reason for having an EO especially with the quality of the drones they have reading a scrpit on the front lines. But I have seen many threads where people have contacted the EO with the most trivial and unrealistic demands. I'm reading about people who have six months of history demanding huge CLI's and PC's to elite status cards with scores of 630 and getting angry with the EO when they fail to please them, while reading this I'm thinking how long before this kills the golden goose.
I understand your point. And honestly, it wouldn't shock me if one day Synchrony pulls the plug on Credit Solutions. I hope that day doesn't come, but if it does I honestly wouldn't be shocked.

I've actually been waiting for this one myself. At a minimum I suspect at some point they will require you to have a referral from the regular CSR (or chat) before they talk to you, instead of being able to call them first like so many people on here tend to do.

Note that I'm not saying I wish for this or that it would be a 'good' thing... I'm just saying that it wouldn't surprise me.

Re: * Capital One EO No longer doing Manual Review CLIs !!

myjourney — Thu, 19 May 2016 21:33:41 GMT

No way the EO abused

1) can't combine my accounts via computer can you

2) I got a CLI yesterday but it wasn't enough

3) I was denied 2 weeks ago can you manually review my denial again my scores have changed since last weeks manual review of the denial and my baddie fell off

4) we changed the number from abuse and require a pin but now the pin is shared and we get calls all day

5) i want an APR reduction

6) GW

7) my dog ate my card can you reduce my APR, give me CLI, remove my lates from 2 months ago, waive my interest and AF, combine my cards, oh and I almost forgot send me a new card and if you can make the CLI from 1k-5k I want a WEMC not a WMC that's not good enough and I know you have them cause I read it on the web @ myFico

Now how in the world can Cap1 view this as abuse?

If I don't get my way I'm closing Crap1 I have better cards ......ha ha ha ha Smh ROFLOL

The nerve of Cap1 to finally take a smart business decision to stop bleeding money from this abuse that quite frankly went way to far and as a business owner I can understand the decision and the cost savings probably associated with it ...

Joey to answer your question now the UW's can now do their job uninterrupted and review accounts for those that are eligible for a 6 month CLI

review the flagged computer apps that say 7-10 days for possible overturning of that decision

Only now upper EO management won't be sending them and in some cases petty and ridiculous stuff that needed to be handled within 2-3 days putting some other poor person that has been spending money taking care of their card and knows nothing about the EO who deserves an auto CLI

Maybe only $500 but hey its auto luv via UW....

Now back to the GC and thanks for sharing ...Lol

Re: * Capital One EO No longer doing Manual Review CLIs !!

thummel — Thu, 19 May 2016 21:43:15 GMT

I had a feeling they were going to change there ways and put a stop to it. I don't really blame them for stopping the manual cli reviews. Just seems like way to many people abuse it. It wouldn't shock me if synchrony pulls the plug on credit solutions either. Iv seen people with upwards of 150K+ credit and they have a Walmart store card with a 20K limit. Sorry but I think that's just a little overkill. I know people like utilization padding but I find it hard to believe they need it at 100K+ credit. Some obviously do though. Iv been pretty happy with capital one and have never had to contact the EO for any reason. Iv asked for an increase here and there and it's been denied and iv left it at that. There's other lenders out there if you want a bigger limit.

Re: * Capital One EO No longer doing Manual Review CLIs !!

creditguy — Thu, 19 May 2016 22:08:10 GMT

myjourney wrote:
No way the EO abused
1) can't combine my accounts via computer can you
2) I got a CLI yesterday but it wasn't enough
3) I was denied 2 weeks ago can you manually review my denial again my scores have changed since last weeks manual review of the denial and my baddie fell off
4) we changed the number from abuse and require a pin but now the pin is shared and we get calls all day
5) i want an APR reduction
6) GW
7) my dog ate my card can you reduce my APR, give me CLI, remove my lates from 2 months ago, waive my interest and AF, combine my cards, oh and I almost forgot send me a new card and if you can make the CLI from 1k-5k I want a WEMC not a WMC that's not good enough and I know you have them cause I read it on the web @ myFico

Now how in the world can Cap1 view this as abuse?
If I don't get my way I'm closing Crap1 I have better cards ......ha ha ha ha Smh ROFLOL
The nerve of Cap1 to finally take a smart business decision to stop bleeding money from this abuse that quite frankly went way to far and as a business owner I can understand the decision and the cost savings probably associated with it ...

Joey to answer your question now the UW's can now do their job uninterrupted and review accounts for those that are eligible for a 6 month CLI
review the flagged computer apps that say 7-10 days for possible overturning of that decision
Only now upper EO management won't be sending them and in some cases petty and ridiculous stuff that needed to be handled within 2-3 days putting some other poor person that has been spending money taking care of their card and knows nothing about the EO who deserves an auto CLI
Maybe only $500 but hey its auto luv via UW....
Now back to the GC and thanks for sharing ...Lol

Nailed it!!!

Re: * Capital One EO No longer doing Manual Review CLIs !!

kdm31091 — Thu, 19 May 2016 22:14:06 GMT

Not surprising at all.

People just have to accept Capital One for what they are and aren't and stop trying to pull teeth to make things happen.

Re: * Capital One EO No longer doing Manual Review CLIs !!

jeffery581 — Fri, 20 May 2016 02:30:35 GMT

My fico'ers blew up CO EO phone lines. CS will be next. Last time I called he said your calling for a CLI arent you. I said yes.

lol

Re: * Capital One EO No longer doing Manual Review CLIs !!

Anonymous — Fri, 20 May 2016 02:35:57 GMT

Lol

Re: * Capital One EO No longer doing Manual Review CLIs !!

Callandra — Fri, 20 May 2016 02:45:05 GMT

@myjourney wrote:
No way the EO abused
1) can't combine my accounts via computer can you
2) I got a CLI yesterday but it wasn't enough
3) I was denied 2 weeks ago can you manually review my denial again my scores have changed since last weeks manual review of the denial and my baddie fell off
4) we changed the number from abuse and require a pin but now the pin is shared and we get calls all day
5) i want an APR reduction
6) GW
@7) my dog ate my card can you reduce my APR, give me CLI, remove my lates from 2 months ago, waive my interest and AF, combine my cards, oh and I almost forgot send me a new card and if you can make the CLI from 1k-5k I want a WEMC not a WMC that's not good enough and I know you have them cause I read it on the web @ myFico

Now how in the world can Cap1 view this as abuse?
If I don't get my way I'm closing Crap1 I have better cards ......ha ha ha ha Smh ROFLOL
The nerve of Cap1 to finally take a smart business decision to stop bleeding money from this abuse that quite frankly went way to far and as a business owner I can understand the decision and the cost savings probably associated with it ...

Joey to answer your question now the UW's can now do their job uninterrupted and review accounts for those that are eligible for a 6 month CLI
review the flagged computer apps that say 7-10 days for possible overturning of that decision
Only now upper EO management won't be sending them and in some cases petty and ridiculous stuff that needed to be handled within 2-3 days putting some other poor person that has been spending money taking care of their card and knows nothing about the EO who deserves an auto CLI
Maybe only $500 but hey its auto luv via UW....
Now back to the GC and thanks for sharing ...Lol

I think Goodwill Letters are really the only reason to contact the EO because frontline CSRs won't be able to do anything about those. I think sending an email or a snail mail letter to the EO for a goodwill is acceptable. But you totally nailed it on the others! LOL

I don't get why I see so many complaints about Cap1 CSRs. I've called a few times and every CSR has been very polite and helpful. I called the other night to change my name, the woman was very nice, congratulating me on my marriage. She changed my name in the system there and they Fedex'd me a new card with my new name (I got it today!). Then again, I'm not really a difficult or demanding customer. I would've been fine if they sent the new card regular mail, lol.

Re: * Capital One EO No longer doing Manual Review CLIs !!

myjourney — Fri, 20 May 2016 02:51:30 GMT

@Callandra wrote:
@myjourney wrote:
No way the EO abused
1) can't combine my accounts via computer can you
2) I got a CLI yesterday but it wasn't enough
3) I was denied 2 weeks ago can you manually review my denial again my scores have changed since last weeks manual review of the denial and my baddie fell off
4) we changed the number from abuse and require a pin but now the pin is shared and we get calls all day
5) i want an APR reduction
6) GW
@7) my dog ate my card can you reduce my APR, give me CLI, remove my lates from 2 months ago, waive my interest and AF, combine my cards, oh and I almost forgot send me a new card and if you can make the CLI from 1k-5k I want a WEMC not a WMC that's not good enough and I know you have them cause I read it on the web @ myFico

Now how in the world can Cap1 view this as abuse?
If I don't get my way I'm closing Crap1 I have better cards ......ha ha ha ha Smh ROFLOL
The nerve of Cap1 to finally take a smart business decision to stop bleeding money from this abuse that quite frankly went way to far and as a business owner I can understand the decision and the cost savings probably associated with it ...

Joey to answer your question now the UW's can now do their job uninterrupted and review accounts for those that are eligible for a 6 month CLI
review the flagged computer apps that say 7-10 days for possible overturning of that decision
Only now upper EO management won't be sending them and in some cases petty and ridiculous stuff that needed to be handled within 2-3 days putting some other poor person that has been spending money taking care of their card and knows nothing about the EO who deserves an auto CLI
Maybe only $500 but hey its auto luv via UW....
Now back to the GC and thanks for sharing ...Lol
I think Goodwill Letters are really the only reason to contact the EO because frontline CSRs won't be able to do anything about those. I think sending an email or a snail mail letter to the EO for a goodwill is acceptable. But you totally nailed it on the others! LOL

I don't get why I see so many complaints about Cap1 CSRs. I've called a few times and every CSR has been very polite and helpful. I called the other night to change my name, the woman was very nice, congratulating me on my marriage. She changed my name in the system there and they Fedex'd me a new card with my new name (I got it today!). Then again, I'm not really a difficult or demanding customer. I would've been fine if they sent the new card regular mail, lol.

I so agree with you but due to the other abuses now the GW system will probably suffer from the other calls

Which IMHO is a real disservice for those trying to repair

Re: * Capital One EO No longer doing Manual Review CLIs !!

Blodreina — Fri, 20 May 2016 04:24:41 GMT

@Callandra wrote:
@myjourney wrote:
No way the EO abused
1) can't combine my accounts via computer can you
2) I got a CLI yesterday but it wasn't enough
3) I was denied 2 weeks ago can you manually review my denial again my scores have changed since last weeks manual review of the denial and my baddie fell off
4) we changed the number from abuse and require a pin but now the pin is shared and we get calls all day
5) i want an APR reduction
6) GW
@7) my dog ate my card can you reduce my APR, give me CLI, remove my lates from 2 months ago, waive my interest and AF, combine my cards, oh and I almost forgot send me a new card and if you can make the CLI from 1k-5k I want a WEMC not a WMC that's not good enough and I know you have them cause I read it on the web @ myFico

Now how in the world can Cap1 view this as abuse?
If I don't get my way I'm closing Crap1 I have better cards ......ha ha ha ha Smh ROFLOL
The nerve of Cap1 to finally take a smart business decision to stop bleeding money from this abuse that quite frankly went way to far and as a business owner I can understand the decision and the cost savings probably associated with it ...

Joey to answer your question now the UW's can now do their job uninterrupted and review accounts for those that are eligible for a 6 month CLI
review the flagged computer apps that say 7-10 days for possible overturning of that decision
Only now upper EO management won't be sending them and in some cases petty and ridiculous stuff that needed to be handled within 2-3 days putting some other poor person that has been spending money taking care of their card and knows nothing about the EO who deserves an auto CLI
Maybe only $500 but hey its auto luv via UW....
Now back to the GC and thanks for sharing ...Lol
I think Goodwill Letters are really the only reason to contact the EO because frontline CSRs won't be able to do anything about those. I think sending an email or a snail mail letter to the EO for a goodwill is acceptable. But you totally nailed it on the others! LOL

I don't get why I see so many complaints about Cap1 CSRs. I've called a few times and every CSR has been very polite and helpful. I called the other night to change my name, the woman was very nice, congratulating me on my marriage. She changed my name in the system there and they Fedex'd me a new card with my new name (I got it today!). Then again, I'm not really a difficult or demanding customer. I would've been fine if they sent the new card regular mail, lol.

I strongly agree. I think the "terrible CSR" mantra has picked up too much steam: probably due to the trivial requests that people would end up taking to the EO. Frankly, I'm glad they shut it down. CLIs are not really what the EO is for.

Re: * Capital One EO No longer doing Manual Review CLIs !!

Imperfectfuture — Fri, 20 May 2016 04:37:06 GMT

@DoroLucky wrote:
I say they are being abused LOL and I'm right in the garden with you.

They kind of have loosened the cli via web site. There are other purposes for them. I can see the abuse (I did it myself awhile back), but gardening strong here as well. Abusing the credit I have now.