Capital One: I sent a letter to see if they would settle for...
A Capital One customer review by GetHuman user ~dee dee from October 28th, 2017
Background on ~dee dee's case
GetHuman: ~dee dee - can you tell our other Capital One customers when your case took place?
~dee dee: Yeah. It was morning, on October 20th.
GetHuman: Did you reach out to Capital One, and if so, how?
GetHuman: And which of these common Capital One customer issues best describes the reason you wanted to talk to them?
(Shows ~dee dee a list of common Capital One problems)
~dee dee: "Restricted Account" was why I was trying to call.
~dee dee's review of Capital One customer service
GetHuman: So how would you sum up your experience for GetHuman's Capital One customer community? We'll censor any IDs, numbers, or codes and any inappropriate words here out of respect to the millions of other customers using this resource.
~dee dee: I sent a letter to see if they would settle for a lessor amount than owed. I have paid over $*,***.** on a balance that began as $***.**. With all the late fees and over the limit (which they put me over the limit) have cost me way too much money. I was asking for a pay off amount to get a loan and get rid of Capital One -- They ****! This is the biggest rip off credit card there is out there!! I received a letter telling me to call to discuss my request. I called and the representative was not able to help me with anything!! They lie, cheat, steal and will not work with you at all. They are totally against their customers and try to get as many over the limit charges and late charges as they can -- they don't care what they have to do to get it. I have been paying for over * years and have not used this card since March ****. I will never get it paid off with they fees added on. I quit paying them and do not plan to pay them until they contact me with a pay off amount.
GetHuman: Let's quantify your experience contacting Capital One. On a scale of 1 to 5, how easy is it go get help on a Capital One problem?
~dee dee: I'd give them a four out of five for ease of finding your way to help.
GetHuman: What about quality of communication. How would you rate that on a 1 to 5 scale?
~dee dee: I'd give them a five out of five on communication.
GetHuman: And what about Capital One's ability to quickly and effectively address your problem?
~dee dee: For that I would say five out of five.
GetHuman: And finally- any advice for other Capital One customers?
~dee dee: Call them early in the day or late. Don't forget any personal or account information you might need for Capital One to know who you are.
GetHuman: Well there you have it. Some useful feedback and words from ~dee dee taken from his Capital One customer service problem that occurred on October 20th, 2017.