reviewer
jcacciola39
Leander, TX

Capital One is definitely NOT no hassle--no customer svc either

1 star rating

Every day computer user, an moderate investor, expecting good, fair service, a cat lover, pc-user, an animal rescuer, willing to pay for quality, a believer in spoiling my pets
show all »
Pros

    easy online access, Online Bill Pay, Online Statement

Cons
    Poor Customer Service, Unreasonable terms, Hard to understand CS Reps

JUL
14
2008

Capital One - No Hassle Cash Platinum Visa — 

After 6 years of having Capital One Visa-No Hassle Rewards card, I'm closing my account.  Because I normally pay my balance in full each month, I don't pay attention to fees and policies on late payments.  I paid one payment online ONE HOUR late a few months ago.  I knew I'd get hit with interest and I paid it.  However, the next month I got hit with interest again on all of my charges even though I paid in full and early.  I called and was told that's their policy--2nd month is charged interest no matter what.  I asked to speak to someone who might have authority to waive this interest given my 6 years of history with them and excellent credit score (over 800).  They put me on hold a while and the same person came back only to say no one could talk to me and they wouldn't waive the $104 in interest.  I asked if he understood he was about to lose a 6-year customer who gets them merchant fees on over $35K in annual purchases and he said he was sorry but there would be no waiver. 

Another example of poor service is that it took over 7 minutes to get them to note that I'd be traveling abroad when I called to post that info.  I had to tell the same info to 2 people and the 2nd one sounded like a droid.  In comparison, the same call to Bank of America took less than 2 minutes with one polite customer service rep.



I_thumb_down Capital One - No Hassle Cash Platinum Visa is not recommended by jcacciola39

D
Did you find this review helpful?
 
 
 




I_comment_shdw24 Comments about jcacciola39’s Review