Report: #616426

Complaint Review: Capital One Credit Card Company

  • Submitted: Wed, June 23, 2010
  • Updated: Wed, September 08, 2010
  • Reported By: John — San Francisco California United States of America
  • Capital One Credit Card Company
    PO Box 30285
    Salt Lake City, Utah
    United States of America

Capital One Credit Card Company Offers 0% APR for 12 Months (hidden and very small print - 4% fee) Salt Lake City, Utah

*UPDATE EX-employee responds: balance transfer fee

Show customers why they should trust your business over your competitors...

Received offer from company for 0% APR for 12 months.  The letter was simple and noted that the attached checks can be used for Purchases, Balance Transfers or Cash.  States must be used by June 25, 2010.

On the checkbook, same information in big colorful bold letters.

Unknown to me, in smaller print, 4% fee.

Did not realize the 4% until after I used the check and notice a charge to the account.  Called Customer Service, and they could not move it.  Told them that I would even pay off the full amount (minus the 4% fee), did not move. 

Asked if I can contest the decision.  Yes, send in the checks.  Asked what that will do, simply they'll pull up the offer in their system...which would show 4% fee.  But that does not show that information was in small print. 

Was very unhelpful and rude.
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#1 UPDATE EX-employee responds

balance transfer fee

AUTHOR: vxieclipse - (United States of America)

I have credit cards from many different banks and they all send those checks for balance transfers @ 0% and they always charge a 3 - 4% fee on the balance transferred over. This is nothing new. You should probably read the terms and conditions before accepting them.
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