Fuming at Capital One!

[KJBoutcher]

Right. Just got off the phone from Crapital One and I am absolutely livid. I tried to log onto my online account a few weeks ago but as I rarely used it I couldn't remember the details so I got locked out after 3 goes or something like that. There is a number to call to get your details reset but at the time I had already fired off my Data Protection Act request for statements so no great shakes.

I actually found all but two of my statements today so just wanted to check online if there were any missing charges but couldn't sign in as I hadn't reset my security settings. I call up, dangle around in automated menu hell for 4 minutes before speaking to a human being and then explain my plight.

This is the best bit.

I am slightly over my limit until my DD payment in a few days takes care of it and until then they won't reset my secuirty settings so I can view my online statements! What???? I can't check my account online as I am... over my credit limit??????? I have never heard anything so ridiculously bizarrre in my life and tell the chap just as much. I escalate it to wanting to speak to his supervisor, says he is as high as it can go and nobody at Capital One can over ride the decission. Whaaaaaat???

I ask him: 'You mean to tell me there is nobody in the whole of Capital One who can make a very simple decisson like this?' 'No'. 'Ok, I would like to make a complaint, please can you let me have you full name and which call centre you are in please?' 'We are not allowed to give out surnames sir, only first names and our work ID'.

By now I am feeling as if I've been teleported off in to the twilight zone or something.

'Ok' I say, 'You have my full name and all my details etc, so why can't I have your full name'? 'We're not allowed to give it out sir'. So cutting my losses I get his first name, worker ID, where he works (India) and an address to make my complaint. The letter is about to be typed...

I do have to wonder though, their refusal to allow me access to view any online statements does coincide nicley with the fact they received my Data Protection Act on the 12th August (they haven't cashed my cheque yet and no statements have shown up) so I have to wonder if they have 'flagged' my account showing I may well be after my charges back because of the DPA (which has been acknowledged). It's possible... It may explain their ridiculous tactics for not allowing me to reset my security settings and therfore being able to view all statements online... Conspiracy theorists get yer gnashers into that one!

I've calmed down a bit now too. Ok, time to write my letter of complaint and my prelim (just worked out they nobbled me for £200 in charges, two months missing statements will be another £40 probably, I can tack those onto my LBA)!

Capital One, it has begun...

[bettyb]

yep ! as soon as you are overdrawn they seem to block off your internet account access. I have asked them numerous times to unblock mine, they won't. guess they dont want you to see the charges mounting up.

[Milo19]

This is very true. I once rang Crap one regarding a charge(before I found this site), anyway, I was speaking to some guy that quite frankly didn't really know what he was on about and was rather rude. He was beginning to pi*s me off. I asked to speak to his supervisor and he asked me why? I said because I'm not happy with what he was telling me, and as the the customer, I would like to discuss the probelm with someone a little higher the ranks!
He told me he could only put me through to a supervisor if it was a complaint he couldn't deal with, so my response was "its a complaint regarding you" (by this time this foreign guy was getting on my tits!) anyway, he continued to refuse to put me through, saying he could deal with it. It ended up me shouting down the phone at demanding to speak to a supervisor, saying, if I, the customer, want to discuss my account with a supervisor/manager, then I should be allowed, I should not have to explain why to some muppet that can bearly speak English! Anyway, I finally got through to someone else, cant remember his position, but he refunded the charge in the end, but Crap customer service line is a pile of steaming dog poo!!!!

**Rant Over**

[KJBoutcher]

Originally Posted by bettyb

yep ! as soon as you are overdrawn they seem to block off your internet account access. I have asked them numerous times to unblock mine, they won't. guess they dont want you to see the charges mounting up.

No they probably don't want me seeing any charges but oops, too late... I already know they owe me at least £200 from the statements I managed to find... Just need to wait for the Data Protection Act request to deliver results and I'll have the full figure to go after from them.

I also fired off a very stern letter to them regarding the awful service I received on the phone demanding a written apology from both Crap 1 and the joker I spoke too. I also asked them to allow me access to my online account too. Should be interesting! I gave them 7 days to reply before I will escalate it. heehee!

[big aid]

Capital One Are To The Credit Card Industry What Ryanair Are To Airlines
No Frills And Great Fellows While You Are Giving Them Your Hard Earned, But When You Have A Problem You See A Different Side To Them.
Cap 1 Prey On People Who Wouldn't Otherwise Get A Credit Card

[dayglo]

couldn't agree more

[Stopthethieves]

I think they do that to force you to contact them....

Capital owe me more than I owe them!

They are Pshychic though, rang up asking for statements and he said so you want a list of charges then? Like that's what I want the statements for!!!



Regards