Capital One complaint: No remedy for Capital One error, Poor Communication, lack of transparency care for the customer

Complaint from Highly-Disappointed-Customer reported on 06 May 2021 about Capital One

New complaint
Complaint pending
Complaint resolved
Complaint closed

My complaint:

RESOLUTION:
You should absolutely restore a new 35 day window of opportunity for me to make any additional deposits to my secured credit card account. I will like this to be done to remedy this sitation for me.

REASON:
During the initial 35 days the acct was on restriction mode for verification documents needed this was blocking me from making any additional deposits – I didn’t know about this – I never received any communication via email or mail letting me know of the restriction or the reason for the restriction – I only personally found out about the block from logging into my app seeing it said restricted – on my numerous calls to your agents I was provided mis-information misled to believe that this was due to not activating the card I didn’t want to activate the card until I made the deposit as the letter indicated – This mis-information, lack of communication lack of clear transparency is what prevented me from taking action; causing delay to resolve the restriction thus making me miss the cut off timeframe (I barely found out about this 35 day timeframe on 05062021 while speaking to the Sr Acct Specialist). I was then blamed for the bank error by this Specialists which added insult to injury.

Suggestion regarding the Agents who talked with me during this situation:
You should coach them all; especially the Sr Acct Specialist. They all provided mis-information in some way their information contradicted some of the information other agents provided. I don’t know if you really do not have a remedy for this but the Sr Acct Specialist immediately put me on hold for 20 min at the beginning of our call wout ever checking back with me just to come back try to blame me for the lack of consistency that your agents had. This was so unprofessional and I felt unvalued that she did not have the desire to try to help remedy this issue at all. So, something should happen about that.

Lastly,
in the offer letter, there should be clear instructions on how to do the additional deposits there should be clear information on cut-off timeframes, how the process works, additional deposit cap, etc. or You could include a website link to a page that has the information in detail so we can know how this all works. The option was poorly explained.

Note:
I am happy to send photo proof, privately, if requested by Capital One as my photos have PII I also have the employee ID s of who I spoke with I do not plan to publicize this information.

Suggested solution:

REMEDY REQUESTED:
You should absolutely restore a new 35 day opportunity for me to make additional deposits to my secured credit card since your company's lack of notification, proper communication transparency, restriction of the account caused me to miss the Un-stated initial 35 day cut-off timeframe.

HIGHLY SUGGESTED:
You should coach the agents who spoke with me for failing to provide vital information for providing misinformation - You should absolutely speak to the Sr Acct Specialist who seemed to not have no care - though she verbalized she did - for my situation; she at the beginning of the call she put me on a 20 min hold (I am not exaggerating) wout ever checking back with me to let me know what was going on - only to return to blame me for the failure of your company to communicate with me, though I had contacted you all multiple times.

Lastly, I would suggest you be more transparent in the offer you send to include how to make a deposit, the deposit limit, the cutoff date, and if there is a restriction; the phone number to resolve the restriction.

Note:
I am happy to send photo proof, privately, if requested by Capital One as my photos have PII I also have the employee ID s of who I spoke with I do not plan to publicize this information.

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Dissatisfied-Customer
Dissatisfied-Customer (@guest_3137)
2 years ago

This issue was not publicized correctly. The issue was that I was approved for a card & sent an offer to make additional deposits to increase the credit limit. I attempted to accept the offer but was not able to make the deposit because the account was under restriction – except every time I called customer service no one ever told me this & I never received any communication in the mail or via email that this is what was going on. I didn’t comprehend there was an issue until about my 4/5th call when I spoke to a representative… Read more »