topic Re: Capital one chat...completely useless lol in Credit Cards

Capital one chat...completely useless lol

Jnbmom — Fri, 20 Apr 2018 02:06:34 GMT

I finally got the chat feature, it never would pop up for me most days lol. I inquired about combining my 2 cards because anytime I try online it states I am not eligible and give reasons than NONE apply to my situation. The chat person basically just cut and pasted what I already have been told when I try to combine, I again told him none of those reasons apply to me. So then he comes up with some "other reasons" which again do not apply to me.

He finally says and I quote " combining accounts is new to capital one" excuse me NEW what on earth are you talking about. I finally just closed the chat

Just trying to combine my Q1 into my Q and I continue to get this message on why I can't:

At least one of your cards had missed or late payments in the last 6 months; has a balance over its credit limit; or was charged off in the last 12 months meaning, due to a series of missed payments, the account was closed NOPE doesn't apply
The card you intend to close as a part of the combination has been open for less than 6 months NOPE doesn't apply
All of your cards have a balance greater than $0 (at least one card must have a $0 balance and no pending transactions) NOPE one card sits at 0
Secured cards, co-brand cards (e.g., GM, Union Plus) and private label retail cards (e.g., Kohl’s, Neiman Marcus) cannot be combined at this time NOPE
Personal cards cannot be combined to create a single credit line greater than $50,000 and small business cards cannot be combined to create a single credit line greater than $100,000 NOPE

Re: Capital one chat...completely useless lol

pipeguy — Fri, 20 Apr 2018 02:27:46 GMT

Generally my experience with Cap-1 too, which is one reason why I closed all my Cap-1 accounts.

Re: Capital one chat...completely useless lol

ShatteredK — Fri, 20 Apr 2018 02:27:53 GMT

When I inquired about upgrading my mom's QS1 to QS, Capital One told me that they didn't have any offers at the time. Instead, they said to apply for the QS and then combine the two after 6 months of owning the QS. I asked them a couple of times if they were sure they could combine them and I was assured. We haven't hit 6 months yet so hearing this is a little concerning.
What are your next plans for trying to combine the two?

Re: Capital one chat...completely useless lol

Jnbmom — Fri, 20 Apr 2018 02:42:58 GMT

Honestly I am thinking of just closing them once I pay off the little balance I have on one.

Re: Capital one chat...completely useless lol

UpperNwGuy — Fri, 20 Apr 2018 11:15:03 GMT

Have you called them on the phone, or just chatted?

Re: Capital one chat...completely useless lol

Loquat — Fri, 20 Apr 2018 13:11:34 GMT

Hi OP,

Sucks that you want to combine and it isn't allowed. I think some folks often overlook the statement made on the CapOne combination page. We look at the list and think that as long as the criteria is met then we should be go to go...but they specifically say that those are only SOME of the criteria and not all. They mention that other factors are considered. What are the other factors? It could be payments not sufficent enough to them, lack of account usage, inquiries from a recent soft pull, the list could go on and on. As the consumer we aren't privy to what those factors are and probably never will be.

Best of luck in combining your cards down the line if you choose to hang on to them.

Screen Shot 2018-04-20 at 7.54.44 AM.png

Re: Capital one chat...completely useless lol

Anonymous — Fri, 20 Apr 2018 14:24:10 GMT

This happened to me as well. I had 6 accounts and couldn’t combine any. I reached out to the EO couldn’t give me the reason either.

I decided to start closing accounts to streamline and was going to keep just one Cap1 card. Well, as soon as I closed my WMC, that started as as something else, it immediately let me combine accounts online. There was something with THAT card was the issue. None of the reasons listed, there’s just something in the code that prevented it and no one is going to be able to tell you what it is, not even the EO.

Re: Capital one chat...completely useless lol

K-in-Boston — Fri, 20 Apr 2018 15:44:46 GMT

@Jnbmom wrote:
...He finally says and I quote " combining accounts is new to capital one" excuse me NEW what on earth are you talking about. I finally just closed the chat...

Quite new. I combined my first cards in either 2000 or 2001, so basically they've only allowed this for at least 75% of the company's history.

Re: Capital one chat...completely useless lol

Dalmus — Fri, 20 Apr 2018 18:23:55 GMT

I think they changed some of the wording...

I know it used to be that the card you were closing in the combination had to have a $0 STATEMENT balance AND current balance. Maybe that is the issue?

Re: Capital one chat...completely useless lol

Anonymous — Fri, 20 Apr 2018 19:02:55 GMT

This happened to me as well. I kept messaging them and no luck had the message escalated to a manager and then technical support to only end up with that same copy and paste message, bc they couldnt figure out why it wouldnt allow me to combine. A few days later I tried again and it worked just fine. Rep said, Maybe pending credits/payment was holding up the process. I think they just have a system error.

Re: Capital one chat...completely useless lol

Anonymous — Fri, 20 Apr 2018 20:08:11 GMT

Ok, pretty OT since it's not about combining cards, but rather being denied for a Venture card. Still one of my most memorable CapOne calls and another example of CapOne customer service at its best. Seriously, some village somewhere is in need of an idiot and this guy is an ideal candidate. I did eventually get my Venture card, BTW, no thanks to this nitwit.
-------------------
Hello, um, this is xxxx at Capital One, how can I help you?

Yes, my name is yyyy, and two days ago I applied for the Capital One Venture card and my application was rejected. I'm calling to see if I can get my application reconsidered.

Um, OK, can you tell me your account number?

Well, I don't have one; this is about a new account application.

Um, OK, can you give me your application number or, um, your social?

Yes, my social security number is xxx-xx-xxxx.

Ok, well, um, it looks like you applied in February.

Actually, it was just a few days ago, on March 1.

Um, OK, well [clicks into robotic monotone reading mode] blah, blah, "you will be be receiving detailed letter from Capital One within 10 days listing the reasons for the denial..."

Yes, well, I got that detailed letter yesterday by email.

So, um, what were the reasons listed?

Well, that's what's confusing. In one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

So you have too many accounts with balances?

Well, I don't know. I do have a lot of accounts, but I'm not sure what Capital One's guidelines are. Should I be looking to have more accounts or fewer accounts?

So, you don't have any other accounts?

No, I have other accounts, I'm just not sure what Capital One is looking for.

Well, um, what does the letter say?

As I said, in one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

Well, um, we wouldn't send anything like that. I suggest you send that letter to our fraud department.

Ok, well, I'll consider that. In the meantime, I'm still denied, and I wanted to see about reconsideration. You see, I've had a single Capital One account for many years, but I don't use it a lot because the rewards aren't very useful to me. If you look at my existing account, you'll see I have a perfect payment record but very little usage. I was applying for the Venture card because of its travel benefits. I just ended up getting more annual vacation time from work, so we're planning to travel more, and I thought the Venture card would be a good fit for my needs.

So, you already have a lot of Capital One cards?

No, I just have the one Capital One Platinum Select card.

So, um, you already have a Captial One Venture card?

No, as I said, I just have the Capital One Platinum Select card.

Well, um, the Venture card is a different card.

Yes, that's why I applied for it.

OK, um, what happened when you applied?

As I said, I was denied. The question I have is can I have my application reconsidered?

Well, yeah, I can send it through to have it reconsidered, but if nothing has changed, you'll get denied again. Also, I must inform you that there will be a hard inquiry on your report if I send this through. Do I have your approval to send this through, then?

No. Please don't bother. I don't want another inquiry.

Well, since you applied back in the beginning of February, there will be a hard inquiry to reconsider.

Actually, I applied just a couple of days ago on March 1, as I mentioned at the start of this call.

Oh, well, then there won't be a hard inquiry. But if you applied on March 1, then you should wait 10 days for a detailed letter listing the reasons for denial.

I got that letter yesterday via email.

And what did the letter say?

As I said, in one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

Well, um, we wouldn't send anything like that. I suggest you send that letter to our fraud department.

Click.

Re: Capital one chat...completely useless lol

Jnbmom — Sat, 21 Apr 2018 00:19:34 GMT

Thanks all. I did call them today same crap as I was fed in the chat conversation. Couldn't tell me why just kept stating reasons it "may" be and the system will not let me combine.

I think I will leave it be for now. Thanks for all the tips and advice.

Re: Capital one chat...completely useless lol

K-in-Boston — Sat, 21 Apr 2018 01:13:31 GMT

@Anonymous wrote:
Ok, pretty OT since it's not about combining cards, but rather being denied for a Venture card. Still one of my most memorable CapOne calls and another example of CapOne customer service at its best. Seriously, some village somewhere is in need of an idiot and this guy is an ideal candidate. I did eventually get my Venture card, BTW, no thanks to this nitwit.
-------------------
Hello, um, this is xxxx at Capital One, how can I help you?

Yes, my name is yyyy, and two days ago I applied for the Capital One Venture card and my application was rejected. I'm calling to see if I can get my application reconsidered.

Um, OK, can you tell me your account number?

Well, I don't have one; this is about a new account application.

Um, OK, can you give me your application number or, um, your social?

Yes, my social security number is xxx-xx-xxxx.

Ok, well, um, it looks like you applied in February.

Actually, it was just a few days ago, on March 1.

Um, OK, well [clicks into robotic monotone reading mode] blah, blah, "you will be be receiving detailed letter from Capital One within 10 days listing the reasons for the denial..."

Yes, well, I got that detailed letter yesterday by email.

So, um, what were the reasons listed?

Well, that's what's confusing. In one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

So you have too many accounts with balances?

Well, I don't know. I do have a lot of accounts, but I'm not sure what Capital One's guidelines are. Should I be looking to have more accounts or fewer accounts?

So, you don't have any other accounts?

No, I have other accounts, I'm just not sure what Capital One is looking for.

Well, um, what does the letter say?

As I said, in one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

Well, um, we wouldn't send anything like that. I suggest you send that letter to our fraud department.

Ok, well, I'll consider that. In the meantime, I'm still denied, and I wanted to see about reconsideration. You see, I've had a single Capital One account for many years, but I don't use it a lot because the rewards aren't very useful to me. If you look at my existing account, you'll see I have a perfect payment record but very little usage. I was applying for the Venture card because of its travel benefits. I just ended up getting more annual vacation time from work, so we're planning to travel more, and I thought the Venture card would be a good fit for my needs.

So, you already have a lot of Capital One cards?

No, I just have the one Capital One Platinum Select card.

So, um, you already have a Captial One Venture card?

No, as I said, I just have the Capital One Platinum Select card.

Well, um, the Venture card is a different card.

Yes, that's why I applied for it.

OK, um, what happened when you applied?

As I said, I was denied. The question I have is can I have my application reconsidered?

Well, yeah, I can send it through to have it reconsidered, but if nothing has changed, you'll get denied again. Also, I must inform you that there will be a hard inquiry on your report if I send this through. Do I have your approval to send this through, then?

No. Please don't bother. I don't want another inquiry.

Well, since you applied back in the beginning of February, there will be a hard inquiry to reconsider.

Actually, I applied just a couple of days ago on March 1, as I mentioned at the start of this call.

Oh, well, then there won't be a hard inquiry. But if you applied on March 1, then you should wait 10 days for a detailed letter listing the reasons for denial.

I got that letter yesterday via email.

And what did the letter say?

As I said, in one place it says I have "too many accounts with balances" and in another place it says I have "too few or no accounts with balances."

Well, um, we wouldn't send anything like that. I suggest you send that letter to our fraud department.

Click.

So did you ever get a letter from them? What did it say?