Capital One: NO HASSLE!
I received a call from Capital One last week because my payment was 13 days late. For the record, this was actually my fault. I didn’t change my address when I moved and apparently the post office ate it. Anyway, I paid my bill, the embarrassing late fee, and thought I was done with it.
I received a similar call from Capital One a few days later stating that my payment was 15 days late. I first explained to the guy exactly what happened and he basically had no clue what to do. I swear it must have been his first day talking on a telephone. It was amazing, annoying, and hilarious all at the same time. He then begins to tell me that he needs me to fax him a copy of my bank statement. WHAT?! Who does that? That’s my personal banking information, casually labeled “My eyes only.” I told him no and for him to correct this issue because the payment has clearly exited my bank account.
After about 10 minutes of “Ummmms…”, “Ahhh…”, and “Humphs..” he came up with the idea that it was because it was Good Friday and the payment must have not cleared on his end. I asked to speak with a supervisor and/or manager and he assured me that they would only repeat what he has already told me. So I said, I’d feel a lot more comfortable with the situation if I heard it from them instead of you. He then put me on hold for 30 seconds only to come back to say they were “busy”. I then instructed him to call me back on Monday.
Hello Monday! I received a call from Capital One around 3pm or so and this time it was a woman. All-in-all I explained to her exactly what happened and what I’ve been through. She then asks me to tell her the account number that’s showing up in my bank statement. I do and then we figured out the payment went to a “…56….” instead of a “…65…” and boom, problem solved. The lady also removed my late fee and told me sorry about 100 times.
I love the fact that every problem we have with companies are completely based on the person you are talking to on the phone. This woman got me taken care of in about one minute and removed the fee like it was nothing.
It’s safe to say I will paying this off as soon as I can (to account “…65…”) and then canceling the account forever.
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Mon Mar 24, 06:26 PM