topic I understand why they're called Crapital One now in Credit Cards

I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 16:06:31 GMT

I had fraudulent charges hit my account on 12/24/11. Two charges for close to $80.00 from Beijing China. I live in Maryland. They closed the account down and issued a new card. If I wanted it rushed to me it would cost $16.00. I have to wait 5-7 business days for it. I'm already heated about that.

Now today.

I call in and ask when they are going to credit the fraudulent charges back to my card because I have a reaccuring charge for my auto insurance coming out on the 28th. The woman says they need to do an investigation on the charges and that could take up to 30 days. REALLY?!?!?!?! I live in MD and I made a payment from my home for my cell phone bill with this credit card the morning of these charges not 30 min apart of when the first one took place.

At this point i'm livid and worrying about my insurance payment declining. I was at one of their banks to make a deposit and what a surprise theyre closed (I understand day after christmas) so I call back and proceed to get hung up on 2 different times trying to speak to a representative. I finally get one back on the phone and he continues to say there is nothing they can do for me. I just PIF on this card on the 23rd, cash. I have available credit for this payment. But due to fraud you have to hold up money I JUST PAID YOU so you can do a investigation??

I'm done. I'm closing the bank account with them and these ridiculous credit card tommorow. This is utterly unacceptable and I feel as if I had a better credit card I would get 1,000 times better customer service then what they gave me today.

Re: I understand why they're called Crapital One now

Anonymous — Mon, 26 Dec 2011 16:03:21 GMT

What the heck?!

Does their good customer service only kick in on better cards?

Re: I understand why they're called Crapital One now

Anonymous — Mon, 26 Dec 2011 16:05:14 GMT

Wow - so sorry to hear this

Re: I understand why they're called Crapital One now

RockinRay — Mon, 26 Dec 2011 16:17:05 GMT

Kick them to the curb for sure!

An excellent example of crappy customer service. They DO NOT deserve your business!

Ray

Re: I understand why they're called Crapital One now

jeffery581 — Mon, 26 Dec 2011 16:39:17 GMT

Did you try Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) ?

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 16:44:32 GMT

@jeffery581 wrote:
Did you try Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) ?

No, im calling now thanks

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 17:13:38 GMT

@jeffery581 wrote:
Did you try Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) ?

Man you don't know hot much I appreciate you giving me that number! Very professional how they handled the situation, gave me a credit on the account to cover the insurance payment while they do the investigation. So awesome!!

So CapOne has gotten promoted from being closed tommorow to SD status!

Re: I understand why they're called Crapital One now

android01 — Mon, 26 Dec 2011 17:29:22 GMT

I was thinking you could try for a hard-to-come-by CLI to cover your payments.

Re: I understand why they're called Crapital One now

lithium78 — Mon, 26 Dec 2011 17:32:14 GMT

@LS2982 wrote:
@jeffery581 wrote:
Did you try Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) ?
Man you don't know hot much I appreciate you giving me that number! Very professional how they handled the situation, gave me a credit on the account to cover the insurance payment while they do the investigation. So awesome!!

So CapOne has gotten promoted from being closed tommorow to SD status!

Crapital One is ridiculous. Their cards don't grow with you and their customer service stinks. They wonder why they are getting outcompeted by other banks. My only CrapOne card has been spending the better part of the past year in the bottom of my sock drawer getting to know my argyles better. :-P

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 17:33:00 GMT

@android01 wrote:
I was thinking you could try for a hard-to-come-by CLI to cover your payments.

rotf getting back up..

I got a better chance of seeing god than that happening!

Re: I understand why they're called Crapital One now

Anonymous — Mon, 26 Dec 2011 18:13:02 GMT

THis shows the problem that we as customers face with the big banks/CCCs. The frontline CSRs are often subpar but they are the face of these banks. I am glad you got the situation resolved with a higher-up manager.

I've only had an irregular charge once for a few dollars (and oddly, it was reversed by the merchant just moments later; maybe an error) but the security of my CC number had been compromised. I think it was my PNC card. Elan quickly issued me a new card but they didn't offer to overnight it either. I just waited a couple of days. For such situations it really is best to have backup cards available as to avoid something like a missed insurance payment.

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 18:15:11 GMT

@Anonymous wrote:
THis shows the problem that we as customers face with the big banks/CCCs. The frontline CSRs are often subpar but they are the face of these banks. I am glad you got the situation resolved with a higher-up manager.
I've only had an irregular charge once for a few dollars (and oddly, it was reversed by the merchant just moments later; maybe an error) but the security of my CC number had been compromised. I think it was my PNC card. Elan quickly issued me a new card but they didn't offer to overnight it either. I just waited a couple of days. For such situations it really is best to have backup cards available as to avoid something like a missed insurance payment.

I have that now with my new Barclay's card. I'm excited to be able to can 2 of my 4 rebuilder bank cards and put a nice prime one in!

Re: I understand why they're called Crapital One now

tengtengvn — Mon, 26 Dec 2011 19:29:38 GMT

@LS2982 wrote:
I had fraudulent charges hit my account on 12/24/11. Two charges for close to $80.00 from Beijing China. I live in Maryland. They closed the account down and issued a new card. If I wanted it rushed to me it would cost $16.00. I have to wait 5-7 business days for it. I'm already heated about that.

Now today.

I call in and ask when they are going to credit the fraudulent charges back to my card because I have a reaccuring charge for my auto insurance coming out on the 28th. The woman says they need to do an investigation on the charges and that could take up to 30 days. REALLY?!?!?!?! I live in MD and I made a payment from my home for my cell phone bill with this credit card the morning of these charges not 30 min apart of when the first one took place.

At this point i'm livid and worrying about my insurance payment declining. I was at one of their banks to make a deposit and what a surprise theyre closed (I understand day after christmas) so I call back and proceed to get hung up on 2 different times trying to speak to a representative. I finally get one back on the phone and he continues to say there is nothing they can do for me. I just PIF on this card on the 23rd, cash. I have available credit for this payment. But due to fraud you have to hold up money I JUST PAID YOU so you can do a investigation??

I'm done. I'm closing the bank account with them and these ridiculous credit card tommorow. This is utterly unacceptable and I feel as if I had a better credit card I would get 1,000 times better customer service then what they gave me today.

I tried to book a ticket on a small Asian airline's website. The section timed out before I hit confirm. Few days later, the charge showed up on my online banking.

Called BoA, explained the situation, Rep asked few questions. That's it. I don't need to follow up or anything. They issued the credit back the same day... I'm very happy.

Re: I understand why they're called Crapital One now

Anonymous — Mon, 26 Dec 2011 19:30:47 GMT

@tengtengvn wrote:
@LS2982 wrote:
I had fraudulent charges hit my account on 12/24/11. Two charges for close to $80.00 from Beijing China. I live in Maryland. They closed the account down and issued a new card. If I wanted it rushed to me it would cost $16.00. I have to wait 5-7 business days for it. I'm already heated about that.

Now today.

I call in and ask when they are going to credit the fraudulent charges back to my card because I have a reaccuring charge for my auto insurance coming out on the 28th. The woman says they need to do an investigation on the charges and that could take up to 30 days. REALLY?!?!?!?! I live in MD and I made a payment from my home for my cell phone bill with this credit card the morning of these charges not 30 min apart of when the first one took place.

At this point i'm livid and worrying about my insurance payment declining. I was at one of their banks to make a deposit and what a surprise theyre closed (I understand day after christmas) so I call back and proceed to get hung up on 2 different times trying to speak to a representative. I finally get one back on the phone and he continues to say there is nothing they can do for me. I just PIF on this card on the 23rd, cash. I have available credit for this payment. But due to fraud you have to hold up money I JUST PAID YOU so you can do a investigation??

I'm done. I'm closing the bank account with them and these ridiculous credit card tommorow. This is utterly unacceptable and I feel as if I had a better credit card I would get 1,000 times better customer service then what they gave me today.

I tried to book a ticket on a small Asian airline's website. The section timed out before I hit confirm. Few days later, the charge showed up on my online banking.
Called BoA, explained the situation, Rep asked few questions. That's it. I don't need to follow up or anything. They issued the credit back the same day... I'm very happy.

Its most likely an issue with Holiday hires that they have so the more experienced CSRs can go on vacation..

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 19:36:33 GMT

@Anonymous wrote:
@tengtengvn wrote:
@LS2982 wrote:
I had fraudulent charges hit my account on 12/24/11. Two charges for close to $80.00 from Beijing China. I live in Maryland. They closed the account down and issued a new card. If I wanted it rushed to me it would cost $16.00. I have to wait 5-7 business days for it. I'm already heated about that.

Now today.

I call in and ask when they are going to credit the fraudulent charges back to my card because I have a reaccuring charge for my auto insurance coming out on the 28th. The woman says they need to do an investigation on the charges and that could take up to 30 days. REALLY?!?!?!?! I live in MD and I made a payment from my home for my cell phone bill with this credit card the morning of these charges not 30 min apart of when the first one took place.

At this point i'm livid and worrying about my insurance payment declining. I was at one of their banks to make a deposit and what a surprise theyre closed (I understand day after christmas) so I call back and proceed to get hung up on 2 different times trying to speak to a representative. I finally get one back on the phone and he continues to say there is nothing they can do for me. I just PIF on this card on the 23rd, cash. I have available credit for this payment. But due to fraud you have to hold up money I JUST PAID YOU so you can do a investigation??

I'm done. I'm closing the bank account with them and these ridiculous credit card tommorow. This is utterly unacceptable and I feel as if I had a better credit card I would get 1,000 times better customer service then what they gave me today.

I tried to book a ticket on a small Asian airline's website. The section timed out before I hit confirm. Few days later, the charge showed up on my online banking.
Called BoA, explained the situation, Rep asked few questions. That's it. I don't need to follow up or anything. They issued the credit back the same day... I'm very happy.
Its most likely an issue with Holiday hires that they have so the more experienced CSRs can go on vacation..

I dont know what it is but they are damn lucky that bank was not open this morning, I was hell bent on closing everything with them after the craziness I had with their reps.

Re: I understand why they're called Crapital One now

LS2982 — Mon, 26 Dec 2011 19:37:58 GMT

@tengtengvn wrote:
@LS2982 wrote:
I had fraudulent charges hit my account on 12/24/11. Two charges for close to $80.00 from Beijing China. I live in Maryland. They closed the account down and issued a new card. If I wanted it rushed to me it would cost $16.00. I have to wait 5-7 business days for it. I'm already heated about that.

Now today.

I call in and ask when they are going to credit the fraudulent charges back to my card because I have a reaccuring charge for my auto insurance coming out on the 28th. The woman says they need to do an investigation on the charges and that could take up to 30 days. REALLY?!?!?!?! I live in MD and I made a payment from my home for my cell phone bill with this credit card the morning of these charges not 30 min apart of when the first one took place.

At this point i'm livid and worrying about my insurance payment declining. I was at one of their banks to make a deposit and what a surprise theyre closed (I understand day after christmas) so I call back and proceed to get hung up on 2 different times trying to speak to a representative. I finally get one back on the phone and he continues to say there is nothing they can do for me. I just PIF on this card on the 23rd, cash. I have available credit for this payment. But due to fraud you have to hold up money I JUST PAID YOU so you can do a investigation??

I'm done. I'm closing the bank account with them and these ridiculous credit card tommorow. This is utterly unacceptable and I feel as if I had a better credit card I would get 1,000 times better customer service then what they gave me today.

I tried to book a ticket on a small Asian airline's website. The section timed out before I hit confirm. Few days later, the charge showed up on my online banking.
Called BoA, explained the situation, Rep asked few questions. That's it. I don't need to follow up or anything. They issued the credit back the same day... I'm very happy.

And thats how it should be!! If I didn't get that backdoor number for Sr. reps I would be screwed! And extremely upset! It shouldn't take calling other numbers than the one you advertise on the back of your card to get DECENT CS.

Re: I understand why they're called Crapital One now

tengtengvn — Mon, 26 Dec 2011 19:44:18 GMT

@LS2982 wrote:
I dont know what it is but they are damn lucky that bank was not open this morning, I was hell bent on closing everything with them after the craziness I had with their reps.

The only reason that I don't cancel my CrapOne is because it's the only Visa card I have that doesn't charge FTF. I use it with paypal to pay for some small online purchases oversea.

Re: I understand why they're called Crapital One now

Anonymous — Mon, 26 Dec 2011 23:50:16 GMT

@tengtengvn wrote:
@LS2982 wrote:
I dont know what it is but they are damn lucky that bank was not open this morning, I was hell bent on closing everything with them after the craziness I had with their reps.
The only reason that I don't cancel my CrapOne is because it's the only Visa card I have that doesn't charge FTF. I use it with paypal to pay for some small online purchases oversea.

If its processed by Paypal doesn't that mean its charged within the US?

I didn't think paypal charged FTF even if you paid by credit.

Re: I understand why they're called Crapital One now

tengtengvn — Tue, 27 Dec 2011 02:48:10 GMT

@Anonymous wrote:
@tengtengvn wrote:
@LS2982 wrote:
I dont know what it is but they are damn lucky that bank was not open this morning, I was hell bent on closing everything with them after the craziness I had with their reps.
The only reason that I don't cancel my CrapOne is because it's the only Visa card I have that doesn't charge FTF. I use it with paypal to pay for some small online purchases oversea.
If its processed by Paypal doesn't that mean its charged within the US?

I didn't think paypal charged FTF even if you paid by credit.

Few times I was charged FTF by the CC companies even the charge went from Paypal.

Re: I understand why they're called Crapital One now

Anonymous — Tue, 27 Dec 2011 06:02:15 GMT

@tengtengvn wrote:
Few times I was charged FTF by the CC companies even the charge went from Paypal.

Wow.. that sounds odd. I've paid for some random purchases both with PayPal and Google checkout (charges in pounds, Euros and Swedish Kronar) and I don't remember getting a FTF charged on any of those.

However, this DOES remind me why I should keep one Cap One card open, just in case I ever decide to take it abroad so I don't get charged extra fees.

Regarding the rest of the thread - the only, ONLY, person I've talked to at Capital One that didn't seem useless, clueless and utterly incompetent was the person I spoke to at their executive office a few weeks back. He was incredibly nice, even if he coudn't really do anything about my secured card - but he fixed my other issue just fine. It actually felt like customer SERVICE for once, instead of me as the customer feeling like their servant.