cancel
Showing results for 
Search instead for 
Did you mean: 

At My Wits End with Capital One!

joesbrat67
Contributor

At My Wits End with Capital One!

I could some advice on any possible next steps I can take with regards to an open issue with Capital One.  Here are the details:

 

  1. I called on Monday, April 24th to see if my QS Platinum account was eligible to be upgraded to a WMC or WEMC.  I was told "yes" and was referred to an account specialist.
  2. The account specialist advised that the upgrade would be to a WMC, as the WEMC was considered to be a whole new product and they have to follow MC guidelines when it comes to upgrades.  We did a side-by-side comparison of benefits between WMC and WEMC, just so that i could understand what benefits would be offered
  3. I agreed to the terms and they said a new card would be received within 7-10 business days
  4. I get an email on Friday, April 28th, indicating that the new card has been mailed
  5. On Monday, May 1st, my new card is in the mail - only it's NOT a QS WMC, but the QS Platinum in the contactless card format
  6. I called CS and asked about this. They thought the wrong card was sent and to wait a few more days for the correct card to be received
  7. As of today (Monday, May 8th), still no card.  I called CS and spent almost an hour being placed on hold, was advised that they could see that I had a "rewards" upgrade to 1.5% cash back...which I was ALREADY receiving!
  8. I was connected to a supervisor, who I had to explain every detail that I had explained to CS earlier...because apparently, everything gets lost in translation.  The supervisor was very subborn in her level of assistance, insisting that they do NOT, in ANY WAY, convert MC cards to either WMC or WEMC.  She states that they don't have that authority arrangement with MC, even though I told her that I could find many posts from this forum noting various instances, in which such an upgrade from MC to WMC took place.  She was very adamant that they have NEVER done these types of upgrades
  9. At this stage, she has opened an investigation where they will pull all account notes, call recordings, etc., to determine final outcomes

Given all of this, I was made to feel like (1) I didn't know what I was talking about (2) the associates at Cap1 have no clue what is going on, that, in essence, the left and the right hand...you get the picture!

 

After all of this, I'm seriously considering closing my account and just sticking with Citi and Chase.  I've been having much better service between these card providers.

 

Has anyone had similar experiences with Cap1 lately?  Were you able to resolve your issues to a satisfactory conclusion, or did you wind up walking away?

 

I would love to read your experiences.  Thanks in advance!

 

 

Active Cards:


Sock Drawer Cards:


Cards in consideration for 2019:




FICO Scores as of 04/24/2019:


Peak FICO Scores - Prior 90 Days:


Message 1 of 24
23 REPLIES 23
fltireguy
Valued Contributor

Re: At My Wits End with Capital One!

It is a well known fact that frontline CapOne CSR's are pretty useless. Your best bet would probably be to email the EO and go from there
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 2 of 24
DeeBee78
Valued Contributor

Re: At My Wits End with Capital One!

Ok, here was my experience. 

 

The only way I was able to get my QS WMC was via an account combination that brought the limit over $5,000, and then an upgrade from the QS1 to the no annual fee Quicksilver. I didn't even realize I would get a WMC out of the account combination, but it was automatic.  The CSR (while usually inept) is correct about the WEMC version of the Quicksilver that is now being issued - it's a new product, not an upgrade, so you can't PC to it. 

 

The best you can hope for is a World MasterCard at this point. What's your current limit? 

Message 3 of 24
joesbrat67
Contributor

Re: At My Wits End with Capital One!


@DeeBee78 wrote:

Ok, here was my experience. 

 

The only way I was able to get my QS WMC was via an account combination that brought the limit over $5,000, and then an upgrade from the QS1 to the no annual fee Quicksilver. I didn't even realize I would get a WMC out of the account combination, but it was automatic.  The CSR (while usually inept) is correct about the WEMC version of the Quicksilver that is now being issued - it's a new product, not an upgrade, so you can't PC to it. 

 

The best you can hope for is a World MasterCard at this point. What's your current limit? 


My current limit is is $6500.  Has been for quite some time.  They've also been somewhat reluctant to give me any further CLIs.  Another layer of my frustration, but that's for another day.

Active Cards:


Sock Drawer Cards:


Cards in consideration for 2019:




FICO Scores as of 04/24/2019:


Peak FICO Scores - Prior 90 Days:


Message 4 of 24
navyitaly
Regular Contributor

Re: At My Wits End with Capital One!

It's just a credit card who cares worry about your family or real issues in life. Just apply for another card and move on.
Message 5 of 24
Aduke1122
Senior Contributor

Re: At My Wits End with Capital One!

@navyitaly Op has a legitimate concern regarding his Credit card , he came here for ADVICE and or GUIDANCE, which is what this Forum is for

Sorry Op that you are dealing with all this bull form them , I hope you get some sort of resolution once she pulls the previous calls and recordings . Seems to me Cap One is all over the place lately
Message 6 of 24
sarge12
Senior Contributor

Re: At My Wits End with Capital One!

OP...I have had the visa signature version for a long time, but I have never dealt with CSR there. I also have never used the Signature or WEMC perks on any of my cards, so I would never care about that, but a CSR talking to me the way you describe would be a deal breaker. If it is important to you to get the card, call back until you get a helpful CSR is all the real advice I can offer. I do find WEMC and Signature perks useful only for the issuers to get more fees from merchants, almost noone uses those added perks.

TU fico08=844 09/16/21
EX fico08=833 09/16/21
EQ fico09=829 09/16/21
EX fico09=823 09/16/21
EQ fico bankcard08=864 09/16/21
TU Fico Bankcard 08=879 09/16/21
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 7 of 24
Aduke1122
Senior Contributor

Re: At My Wits End with Capital One!

The fact that it was a supervisor who was talking to him like he was making up stuff or didn't know what he was talking about would set me off for sure
Message 8 of 24
joesbrat67
Contributor

Re: At My Wits End with Capital One!


@sarge12 wrote:

OP...I have had the visa signature version for a long time, but I have never dealt with CSR there. I also have never used the Signature or WEMC perks on any of my cards, so I would never care about that, but a CSR talking to me the way you describe would be a deal breaker. If it is important to you to get the card, call back until you get a helpful CSR is all the real advice I can offer. I do find WEMC and Signature perks useful only for the issuers to get more fees from merchants, almost noone uses those added perks.


Having the supervisor talk down to me is just one of the key issues that I have.  As a card holder who has established a solid relationship over the last few years, I should expect to receive professional and courteous customer service, as should any other card holder.

 

In addition, a LOT of credit card holders do want to increase the benefits that come with having a card, whether it means the “next tier” of a MC/Visa, additional benefits, better rewards, etc.  All that I am trying to do is exercise that prerogative. Regardless of whether people decide to use WMC, WEMC, Signature or Infinite benefit tiers, that’s their choice.  If the card provider has the means to do that, they should allow customers to ask and determine eligibility.  To be told that they don’t and haven’t ever converted any QS MC customer to a WMC when there is enough proof on this forum to show otherwise, I can’t help but be infuriated because it makes me look like I am a liar.

 

At this point, I’m just going to wait and see what comes of it.

Active Cards:


Sock Drawer Cards:


Cards in consideration for 2019:




FICO Scores as of 04/24/2019:


Peak FICO Scores - Prior 90 Days:


Message 9 of 24
joesbrat67
Contributor

Re: At My Wits End with Capital One!


@Aduke1122 wrote:
@navyitaly Op has a legitimate concern regarding his Credit card , he came here for ADVICE and or GUIDANCE, which is what this Forum is for

Sorry Op that you are dealing with all this bull form them , I hope you get some sort of resolution once she pulls the previous calls and recordings . Seems to me Cap One is all over the place lately

Agreed.  I've seen many a post lately with people documenting issues with getting an updated QS card, whether it's a new app, replacement or upgrade.  I'd be curious to know if this has always been the way with Cap1, or if this is a whole new level of ineptitude that customers are having to endure.

Active Cards:


Sock Drawer Cards:


Cards in consideration for 2019:




FICO Scores as of 04/24/2019:


Peak FICO Scores - Prior 90 Days:


Message 10 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.