I have a Visa card with Capital One. I noticed on Tuesday or Wednesday that there was a $230 charge to The New York Times that I didn’t make. I called them and told them about it, and they were going to remove the charge, cancel the card, and issue me a new one. Minor inconvenience, but these things happen.
Yesterday I ordered something from Amazon using the same card. When I woke up this morning, I realized that wasn’t supposed to happen!
I just got off the phone with Capital One again. They have no record of my call the other day. None. Zero. Zip. Of course the representative I spoke with just now was lovely and is removing the charge, canceling my card, and issuing me a new one. But seriously, I am very disturbed that this didn’t happen right the first time.
The moral of the story: Never assume anyone is competent!!
That is so weird. I assume you called the same number both times. Does that mean the first person answering the phone took all the info but didn’t carry out the job? When I cancel credit card, I never check to see if it is cancelled.
It is strange, because Capital One has been our credit card for many years and they’ve always been great to work with. We haven’t had a problem with them in over 20 years.
I personally lost all confidence in Capital One. We had no problems with our credit card which we opened primarily for use when traveling abroad, due to no exchange fees.
When my DD applied for a student card while in college, they messed it up so badly, it affected her newly developing credit score. We must have called them at least six times, and up through the ranks . Each time they made us start all over, and had NO RECORD of the previous conversations!
I should have learned., but later, we opened an online Savings Account, and tried to add a joint owner. They couldn’t do what should be a common request, saying it was a technical problem. Again we called numerous times over a 2 week period, supposedly up through the ranks, and were given conflicting answers, but no resolution.
I never assume anyone is competent and I always document the date, time of call, name and ID# of rep, and the phone number I called. Not that it always helps–My recent horror stories include a return debacle with a Houzz vender (they do NOT back up their vendors like Amazon) and a nightmare of incorrect credit reporting by Kohl’s ($30 charge, multiple errors on their part). Ug.
I’ve repeatedly had much better customer service from Citibank cards than Chase or Bank of America, but maybe that’s just my experience.
I had a Citibank card that screwed me royally. After 30 years with that card, I had to cancel it. Hence, the Capital One card! I don’t think any one of them is perfect.
I have had a lot of issues with Citi Bank. They refused to cancel my parents’ CCard even though my parents didn’t have possession of ANY physical card and had never charged anything on it. The charges were online and from other countries—not made by my parents. We even filed a police report but Citi insisted the card was fine and valid! Had to get my attorney relative to write them a letter and even he had trouble with them. Really odd! They just wouldn’t cancel the card!
On the other hand, just got a new USAA CCard without requesting it with note that I should destroy my current one which they believe may be compromised.
Try and have accounts where you can stop the card online or from the app. I am not sure this is widespread but I think I have that option on the 3 major options. It doesn’t save you from phoning yourself to make the report but at least it is blocked from use.
In the last few years Capital One has been moving everything to the cloud. Being the first of doing it, I wouldn’t be surprised if they haven’t perfected it yet and may be losing a lot of data. I would imaging their call center data is probably not the most critical data.
I do stuff like that online. I can turn my C1 cards off and on via web or app. For fraud you do usually need someone, I agree.
One thing to look out for - scammers will often buy google ads with their phone numbers when you google customer support at whatever company. I had it happen once, I was calling Windstream (my internet provider at the time) and googled their # because the bill wasn’t in front of me. I called and the guy who answered walked me through stuff that seemed normal, until he was asking me to confirm info they never ask for. Asked me to install a bit of software so he could see my system, etc. I hung up.
A friend did the same with another company recently but unfortunately DID get scammed, she just kept thinking it was legit because SHE called THEM so she did what they told her to do.
Not saying that’s what happened here, but it is odd. C1 has a $0 liability policy for the customer so any bad charges are on them. They care, a lot, about fraud.
@OHMomof2, interesting about customer support. Maybe that’s what happened when I got scammed by the QuickBooks Pro “support” people. I couldn’t figure out how it happened. Capital One refunded the $500+ amount I was scammed.
I received a replacement credit card from USAA a few days ago, with a letter that my card may have been compromised.
I called to activate and have been using the replacement card since receiving it. Today I got an email reminding me to activate my CC.
I called customer service to see if yet another replacement was sent but they said no, it was just a blanket email that went to all accounts who received replacement cards due to a possible breach if a merchant. H didn’t get a replacement card as his card wasn’t in the breached batch.