I've been a loyal customer of capital one for around 15 yrs and for that loyalty capital one increased my interest rate to almost 35%!!! I questioned why and was fobbed of with a generic answer so i asked why i had such a high rate when my house mate applied for a card with them, just 12 months after getting a ccj and has an interest rate almost half that of mine - again a generic response along the lines of we can't discuss another account... I then went to the ceo of capital one to ask why they were treating me in this way and yet again i received a generic get lost response from their executive office - as the ceo can't even be bothered to look at my complaint personally. All in all capital one seem to favor people with bad debt or poor credit history offering them preferential interest rates and sting there long term loyal customers to cover the risk. Staying loyal to this company means nothing and as with other reviewers i have to agree that their customer service is diabolical,
if you have a poor history then maybe they are for you but once they class you as a loyal customer expect to be stung and stung hard
my account will be closed by the end of this month and i will never use or recommend capital one to anyone.
I open my account when I moved to Texarkana. Later I moved to Nash, Tx and I used the bank there. They are most helpful with any matter I've taken to them. They are friendly and courteous and I believe they are most oriented towards customer service. My only problem is that there is not a branch near where I live now, in Wichita Falls, TX or close to my Mother's house in Oklahoma City. I still have my account with Capital One and will continue to business with them.
I charge over 3K a month on my credit card... ASK me how many times they deny a charge at the same places I shop on a weekly basis!
And their customer service department doesn't understand why I am upset.
Far better choices to choose from then Capital One