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Capital One Credit Card / sue capital one for wasting time!

1 United States Review updated:
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If your time is important to you, never use capital one credit card. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to india, where I could barely understand the customer rep's thick indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "what?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "that is an invalid code". Again, I shriek, '"what?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" she says (Amused), "hold the line..." again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (Who at this time, is now glaring at me), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

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Comments

  • Bm
      5th of Oct, 2006
    0 Votes
    Capital One Credit Card - Unknown bill
    United States

    Getting billed on my capital one credit card as listed below:
    2 22jun ap9passporttofun 888-840-0303 ct $11.95
    Do not know what this bill is for. Please advise.

  • Fu
      25th of Oct, 2008
    0 Votes

    IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

  • Da
      9th of Nov, 2008
    0 Votes

    Capitalone has always had friendly customer service in my experience.

    And I really don't think they would hang up on you, and your card would just somehow not work.

    Strange case, but I still love capital one.

  • Mi
      12th of Nov, 2008
    0 Votes

    I've gotten a charge for about $50 on my debit card for passport service too...that i DID NOT use. Get it checked out...

  • Ni
      20th of Nov, 2008
    0 Votes

    First, call the number on your statement that's listed after the charge itself. (Capital One will tell you to do this and call them back if you don't do it before calling them.)

    Then speak with whoever answers the phone on the other end and tell them that you did not authorize that payment and you want your money back. Most times, they're going to tell you that it's with XXX company and you agreed on XXX date to sign up for whatever service. Ask again for your money back and again tell them that you do not want the service that you're being billed for.

    If that fails (happens a lot), call Capital One and hit either 0 or 1 to speak directly with your "Account Manager". They're going to try to help you and get you to do stuff with your account... Just be persistant and keep asking to speak with the dispute department. I tell you to go to the customer service first, because otherwise you'll get stuck in a vast maze of automated phone menu's. Also, call between the hours of like 10 - 2pm your time so that you make it within the business hours of the department you want to speak with.

    Once you finally get through to them, let them know that it's an unauthorized charge and youv'e already contacted the company to tell them to stop putting it on your card. Capital One takes it from there and fights the charge on your behalf. (That's about the only good thing I can say about them)

    Good luck.

  • Ca
      2nd of Sep, 2009
    0 Votes
    Capital One Credit Card - rising intrest rates
    Capital One Credit
    604 N. Straton
    Seymour
    Texas
    United States

    Capital One raised my Intrest rate on my credit card from 6.28 to 15.9 without giving me any kind of notice. I have never been late on a payment, I have always paid more than the minium amount. When I get this paid off I will never do bussines with these again.

  • Hu
      3rd of Sep, 2009
    0 Votes

    Been a customer for 5 yrs, always paid my bill on time and over required amount.. They have raised my interest from 8.53 to 17.90. I did call and ask why, they said they had sent a letter out (which I did not receive) and they could not lower the interest rate...I will be transferring my balance.. I can't believe they are treating their excellent customers like this in a time of finicial difficulties.

  • Jo
      30th of Dec, 2009
    0 Votes

    Don't forget to serve them with cease and desist letters under the fair debt collection act to stop phone calls.
    List your acct # DOB and last 4 of your social along with your address, and research google for samples of cease and desist letters.
    Their fax # is 866-259-3021

  • Pi
      10th of Feb, 2010
    0 Votes
    Capital One Credit Card - protection plan
    16250 lowell apt 209
    Southgate
    Michigan
    United States
    Phone: 2499108946

    i was terminated at my job since june 2009 and i call capital one to activate my payement protection plan what they failed to do, and today my credit card of $500 its up to 800 balanced due.

  • Ah
      14th of Feb, 2010
    0 Votes

    Just so you know, Capital One got a taxpayer bailout of the sum of 3.56 billion and according to the Huffington Post, their CEO was paid 9.75 million for his yearly salary. On top of it all, they are now using customer service reps from India because they don't want to pay any American any money to work in America. Isn't it great to know where your taxpayer money is going?

  • Ka
      21st of Dec, 2013
    0 Votes
    Capital One Credit Card - Daughter's bills
    Capital One
    Roanoke
    United States

    I am being harassed by Capital One. They call me every half hour regarding bills my daughter has allegedly incurred. They have her number but continue to harass me. What can I do?

  • In
      2nd of Jul, 2014
    0 Votes

    I applied for a Capital One credit card and when I received it, the first thing I did was read the enclosed agreement. Unfortunately, the terms were so ridiculous, I cut up the card, called Capital One and informed them that I would not be activating the card nor using the card as I had just destroyed the card and I would appreciate closing the account permanently. Unfortunately for many people, they don't bother to read anything, they just accept the terms, activate the card and go about using it until they discover the costs and by then its too late for some as Capital One has them on their hook, line and sinker. Next time, read and heed before you bleed.

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