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Review 7/2/2010
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1 Star is far too much for Capital One.
Don't listen to their commercials, their fraud policy defies all government laws by blaming their customers for the fraud. There are plenty of other reviews around, now I'd like to add mine. This was a while back but I'm pretty sure nothing has changed.
I started getting Capital One ads in the mail when I was 12. I got them almost monthly until I was 17. I started getting really annoyed with these ads, so I called in. I told them my birth date very clearly. They even verified it as I said it. They sent me a card.Just before I turn 18, the card was stolen. They called the next morning, everything seemed really cool. "I'm sorry but did you use your card here, here and here, throughout the night?" "NO!" "Okay, I'll report all those charges and ...." you get the picture, sounded cool!
17 hours on the phone later (nonconsecutive) I find out that no charges were ever reported! Finally get them reported (what now looks like a month late). Didn't hear anything for a month. Got a voicemail from some lady at Capital One, I must call this number between 8AM and 4PM (when I was working in a place with a strict no cell policy 7-5) Took me a few days to get back to her. When I did, all she did was identify herself as the account specialist in charge of my account, yell at me, accuse me of committing these charges! I got upset, she told me not to yell at her its not her fault and hung up.
I guess you get a $2/hr bump in india to be a ... anyway, charges get applied to my account and I get a bill. I'm just past 18 and think more on terms of honor and dignity than my credit score, besides the fact that I don't want them paid for this stuff. I called Capital One time and time again, but no one there from the account reps to the fraud department can do anything about my account. Its all this account specialist, only her. Which she never responds to voicemail and doesn't answer the phone.Years later this shows up on my credit report, and I try calling Capital One and the same thing happens. Over and over.
So I tried the credit bureau. You know what they do? Call Capital One "Is this in your records? Are you sure this is him?"Just keep the realization that credit is against you. Credit Companies want your money, and they created Credit Bureaus to help get your money. No one is on your side. Don't even bother with a lawyer unless its over $10k.As I read the thing below this review it says be specific in what could have been done better.. so What could have been done better? Don't send ads to people that obviously can't get your services (i.e. minors), don't give credit cards to minors, obey the federal rules and legislations when it comes to credit card fraud. Improve your customer service, remove some of the corporate bullshit. Change your commercials to fit your policies. Become a real bank, not a backstabber.
Fire your specialists and let account reps do their job, but replace the account reps with the people you hire for collections and replace the collections department with your old account reps. Collections is much nicer to talk to. I would have preferred to only deal with them, because I both couldn't hardly understand customer service, and they could do any services. If you take the service out of customer service, you just have customer and that doesn't work...If you have to call Capital One, I found a trick to getting to their customer service reps without the menu. Press 0. Though what I found worked for me was punching it 5 times, then waiting a sec, then 7 times, pause, then 4 times. I don't know if that still applies.If Captial One wants me to stop telling people how bad they are, and rectify their mistakes. Have someone in the company in at the VERY LEAST middle management call me and apologize. Tell me the changes you have made. Offer me my $600 back.
I've actually gotten people to jump on the phone to cancel their card, it was fun! :) (by the way, thats hard to do)
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