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.
IF YOU WANT PROBLEMS BANK AT CAPITOL ONE...YOU WILL GET BS AND EXCUSES....JUST UNBELIEVABLE..
I had been an Orchard Bank cardholder for 13 years with a perfect history. Capital one acquired my credit card account and problems began instantly. I was not able to access my account on line after being railroaded into the downward spiral of capital one. My Orchard Bank Mastercard expired in May of 2013, and the incompetent capital one finally sent me a credit card in February after contacting them 13 times. I still am not able to access and manage my account on line. I continued to make prompt payments by US Mail and demonstrated my integrity. Capital one has yet to assist me to access my account on line. The BBB was contacted (they of course are equally as pathetic) and I had a call from the capital one executive office. The idiot who contacted me is completely incompetent and I'm sure needs help dressing himself before his ride to work on one of those short buses where the riders lick the windows. Don't waste your time with Capital one, they are the bottom of the heap. Capital one has no customer service whatsoever. Please learn from my terrible experience, and don't have anything to do with these mentally deficient idiots!!