- Report: #190634
Complaint Review: Capital One Master Card - Dallas Texas
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Author Confirmed
Why?
Capital One Master Card
P.O. Box 650007 Dallas, 75265-0007 Texas, U.S.A.
Phone:
800-647-5533
Web:
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Capital One Master Card ripoff television advertising for Capital One credit card resulting in no mileage after $26,000 in charges Dallas Texas
Six months ago I requested a Capital One credit card because of all the advertising which said, "No blackout days," "No hassle," "What's in your wallet?," and specific implications that Capital One would be a better card for airline mileage.
We got the card as I was making capital or big dollar improvements to my home office, and used it for $26,000 plus, and was never late with payments in full.
Then I went to use the mileage and found I had none.
When you get a Capital One card you have to specifically request a mileage card, but no one told us that either over the phone and it wasn't on the credit card application, at least not in a place where you could see it. No where did it say, "Now which card do you want?"
Then try to reach a living person over the phone. Out of some 15 to 20 recorded prompts on the phone number given, there is not one for speaking to a person.
After my secretary and I spent about an hour re-doing prompts, talking to Pricilla (gave me a wrong direct-dial number then cut the connection), talking to Nancy (cut off again getting a dial tone by Capital One), called now four times, speaking to manager Alice who wasn't particularly nice. I asked her to either give me the mileage I'm due, or cancel the card. She also denied that Capital One doesn't tell you which card you are getting. I canceled the card. They are a real rip-off.
Lynn
Lakeland, Florida
U.S.A.
We got the card as I was making capital or big dollar improvements to my home office, and used it for $26,000 plus, and was never late with payments in full.
Then I went to use the mileage and found I had none.
When you get a Capital One card you have to specifically request a mileage card, but no one told us that either over the phone and it wasn't on the credit card application, at least not in a place where you could see it. No where did it say, "Now which card do you want?"
Then try to reach a living person over the phone. Out of some 15 to 20 recorded prompts on the phone number given, there is not one for speaking to a person.
After my secretary and I spent about an hour re-doing prompts, talking to Pricilla (gave me a wrong direct-dial number then cut the connection), talking to Nancy (cut off again getting a dial tone by Capital One), called now four times, speaking to manager Alice who wasn't particularly nice. I asked her to either give me the mileage I'm due, or cancel the card. She also denied that Capital One doesn't tell you which card you are getting. I canceled the card. They are a real rip-off.
Lynn
Lakeland, Florida
U.S.A.
1 Updates & Rebuttals
Jennifer
Richmond,Virginia,
U.S.A.
What about the Terms & Conditions?
#2UPDATE EX-employee responds
Thu, May 11, 2006
If you didn't see any reference to a rewards program on the credit card application and in the application's Terms & Conditions, then that's why you received a non-rewards Capital One account -- because it wasn't one. It is the consumer's responsibility to thoroughly read the Terms & Conditions of any credit application to ensure the terms are ones the consumer agrees to. The T&C -- provided in every credit card application and required by law -- details everything from the APR to penalty fees to the billing cycle. If the application is for a rewards program, the T&C outlines those details, too (ie, one point per net purchase dollar, bonus points for balance transfers, etc.). Also bear in mind that there are literally HUNDREDS of different types of credit card offers from the same creditor. An offer you might get may be totally different from what your spouse or friend might get. Don't rely on a 30-second commercial to provide all the information you need in order to make a decision involving your credit. Your experience provides a valuable lesson to others out there who think they only need to skim credit card offers or only rely on the information provided in a 30-second commercial. Carefully reading through the T&C lets consumers know EXACTLY what they are applying for and what to expect. If they are unsure about something, they should call the credit card company and inquire about it BEFORE submitting their application. This goes for offers from ANY credit card company, not just Capital One.
