They advised me that if I searched under their website, I would have known that. They did not take any responsibility for the customer service rep giving me false information. I advised that I was not informed of this information prior to leaving for vacation. I called and was notified that I needed to book the vacation through the Capital One Travel site in order to receive the 5%. After coming home from vacation, my account did not receive the 5%. ($1785.00 purchase) I was told yes that it would qualify. I wanted to know if I used the card to pay when I arrived, would the resort qualify for the 5% cash back. I called Capital One directly to advise that my family had a vacation booked and that we were leaving in a few days. Prior to leaving, I received an email from Capital One advertising their card offering 5% cash back on hotels and rental cars while traveling. I recently came back from vacation with my family. So MUCH FOR CAPITAL CUSTOMER SERVICE IT DOESN'T EXIST! THE MERCHANT ACTUALLY UISED A USPS DOCUMENT FOR ANOTHER PERSON INTHE SAME ZIP CODE TO PROVE DELIEVERY TO MY ADDRESS BY MOIFING THE DOCUMENT. USPS FOUND FRAUDULENT DOCUMENTS HAD BEEN SUBMITTEDBY THE MERCHANT IN ORDER TO STEAL 69.00 IN FEES. USPS investigated and found no package was even recieved from merchant and was never delivered on the date in question. I had to go to the USPS and provide irrfutable proof that the merchant had noT even shipped the goods and provided a fraudulent USPS document to indicate it had shipped. CAPITAL ONE backs the scammers not the consumer. Even if you prove outright fraud and have proof from the post office that no package was ever shipped or recieved by the consumer. Endless run arounds and bulltuckererry in order to make the merchants happy and screw the consumer. IN MY EXPERIENCE CAPITAL one REFUSES TO TAKE THE CONSUMERS SIDE IN ANY DISPUTED TRANSACTION THEY JUST WANT THE FEES FROM THE TRANSACTION AND DON'T CARE IF THE CONSUMER EVER GETS THE PRODUCT THAT THEY PURCHASED. While I was fully prepared to pay off the account to get it reopened, I will instead be making the minimum payment each month until the balance is paid off or my account is reopened.
Needless to say, I feel like you definitely "advocate for your customers". So thank you Capital One, as a former customer I'd like to express my sincere gratitude for all the "help" you provided me. I asked how the company can have a strict policy while also making exceptions and got no answer. When I asked if they could possibly make an exception in this case, she went back to the "strict policy" story. When I asked why I wasn't told how strict the policy was over a month ago when this whole thing started, I was told that they can always "make exceptions" and "try to advocate for their customers". However, I was informed that Captial One has a "strict policy" regarding returned payments. Explained again that I could provide those documents and I would gladly pay the balance down as much as necessary if it meant the account could be reopened. I explained, again, the entire ordeal that I've made weekly payments on the card and never had any late payments or other issues besides returned payments because of my bank. After 3 hours on the phone, waiting on hold as I was transferred from department to department, I finally spoke to someone who told me that the account closure was permanent and there's nothing they can do. I finally contacted them myself today after 5 weeks. The agent told me that she would elevate the issue to the proper department, and they would reach out to me in 7 to 10 days. I explained that it was a banking issue, and I could provide documentation saying as much. I called them about 5 weeks ago to address the problem and I was told that it was closed due to multiple returned payments. There were 2 payments that were returned due to issues with my bank and because of those returned payments Captial One decided to close my account. I made a total of 18 payments during those 3 months, never even having a payment come due, let alone go past due. I owed a total of 3 payments during the time I had the account open for May, June and July. and made weekly payments on it to keep the balance down and have funds available. Since I used it for most everything, I linked the card to be used for most of my bills, insurance, gas, subscriptions, etc. Opened a new credit card at the end of April 2022 and used it regularly for most purchases to earn points.
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