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Capital One

Capital One review: Credit card

S
Author of the review
6:54 pm EDT
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This review was chosen algorithmically as the most valued customer feedback.

I have a credit card with a small limit that I got because I wanted to improve my credit score. I don't like credit cards and I have no debt except a Jeep that I bought last year for my son. I don't have a mortgage payment or other car payments, nothing. I have never been late on my car payment and I thought that I had never been late on my credit card. I have a lot going on in my personal life. I relocated a couple of years ago to move in with my elderly parents. My dad had Alzheimer's and he recently passed away. I am taking care of my 84 year old mother. There has been so much to do and it has been so stressful. I barely have a moment to myself. I am OCD about paying my bills on time though. Apparently, Capital One doesn't process all payments on the due date. If it is after a certain time, it will post on the next day. Who does that? No one I do business with. So I had two of these and they were in the last 60 days, so recently. The customer rep said that they would take the most recent one off, which I appreciated. I then asked because of my circumstances if they would consider taking the other off. I was transferred to a supervisor, William, who basically said that the guidelines said no and that I could pay the account off and close it. Wow. I said that you would really lose a customer over $25. Then I asked to speak to someone else. He said there is no one else. I asked if he spoke for the entire corporation...if he has the last say in all things. He said yes. Seriously? I have worked for a number of Fortune 500 companies and have done business with AT&T, Xfinity, etc. There is always a complaint department or a resolution department. William told me the only other thing that I could do is speak to HR. I am an HR professional. I do not deal with customers. I deal with employees. Who is this guy? So I hang up and I call back and speak to a customer rep in the auto financing dept. Totally different experience...and they do have a resolution department. How can an organization operate so differently from one department to the next? I hang up and go online. Within ten seconds I see this website. So there is another avenue to file a complaint, one which I was not told about. I see that they only respond to 17% of the complaints, so they will probably never see it. This whole experience tells me that the credit card side of Capital One does not care about their customers. William said that he had to treat all customers the same or it wouldn't be fair. Not fair is that my dad just died prematurely. I am sorry if I missed the cut off time ON THE DUE DATE. No compassion...no understanding...I paid the entire balance a minute ago. I am not a happy person right now. This is not a customer friendly company, because they do not have customer friendly policies.

Desired outcome: Late fee reimbursed because I really wasn't late.

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  1. Capital One Contacts

  2. Capital One phone numbers
    +1 (800) 481-3239
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    11%
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    USA and Canada
    +1 (877) 383-4802
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    General Customer Service
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    Credit Card Accounts
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    Auto Financing
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    Home Loans
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    Home Equity
    +1 (800) 926-1000
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    Personal Loan
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    Investing Products
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  3. Capital One emails
  4. Capital One address
    15000 Capital One Dr., Richmond, Virginia, VA23238, United States
  5. Capital One social media
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    Dec 19, 2024
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Capital One Category
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