Report: #1338218


  • Submitted: Tue, November 15, 2016
  • Updated: Tue, November 15, 2016
  • Reported By: COSTCO MEMBER — Markham Ontario Canada



*General Comment: Credit...

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Where does one even begin to describe the WORST CUSTOMER SERVICE AND MOST HORRID PEOPLE ON EARTH-Capital ONE mastercard. Whats in your wallet? NOT CAPITAL ONE

It's truly shameful that a great company like Costco that goes to the nth degree would align themselves with a Capital one. A company that makes 3rd world techs support look like concierge service. We have a 6 star credit rating never missed a payment in 2 years, paid our card early EVERY TIME ahead of time. We have had so abused by this company we don't even know where to begin. Over charges on card for $2200..than we call in the moment of lodge a complaint to remove this charge. What do they do..."We'll investigate it have it removed" Yes but they tack 19.75% while there doing in it. In other words your paying them for a charge that should not be on your card to remove. [continued below]....

..... The people there barely are coherrant as they have heavy accents use cheap headset and you can barely understand what they are saying or if they can even hear you. Yesterday we paid $7000 on our card off to our bank. Capital one has not received the payment yet but we had a $12,000 limit on the card. We were trying to buy something online for $5600 and we needed to call them as the payment would not process online. We need a $600 extention in order for it go through. One would think having a s 6* credit rating and neve having missed a payment the call woudl take a matter of minutes. After putting us through the grinder of asking for all our information and transferring the call, our call was than transferred to another department that sounded like the call was routed to Pakistan but we were later told it was within the same country. "We are not prepared at this time to authorise you for increase we were told" We than asked to talk to someone in managment after talking in circles explaining our credit history and even willing to share bank payment of $7000 to them for what was on the card (not due till next month) that was paid still nothing was done!?!? We asked why? We were told "YOU HAVE NOT ME OUT PROPIETARY INFORMATION AND I AM NOT AUTHORISED TO EXTEND YOUR CREDIT LIMIT" We asked "What is propietary information?!?"  Response? " I am sorry that is confitdential and I am not prepared to share this with you at this time" We said...lets see...our credit history is 6* our payments have always been made so what does propietary mean our we being racially profiled here?!?!?" I am not prepared to give you this information sir" We replied if your information is in relation to me MY NAME and there is a problem regarding my credit than I have a right to know about it" It has nothin to do with your credit information sir you just do not meet our propietary requirments" Having spend $28,000 on our card last year we were lost for words at the level of stupidity here never mind professional ignorance. Turns out there are over 6000 complaints with consumer affair aboub Capital one. So to say they suck would be polite. This would NEVER happen in an AMERICAN EXPRESS environment Or ANY other Credit card with proper backing. Why would Costco destroy their image and branding with such delinquent service!? We put a call into Costo we warned Capital one that this would resonate and cost them dearly. We spoke to Costco on other occasions and we were told that this is not the first time they have heard this. Capital one does not deserve to be anywhere near Costco. 4th world service if there is such a place. They own it. Disgusting and terrible to say the least. We almost feel like cancelling our membership with Costco to drive the point home. It is our hope Capital one will be finished after our experience.

This report was posted on Ripoff Report on 11/15/2016 07:37 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment



 Credit is a privilage and NOT a right. YOU need to stop being so DENSE!!!! Use a little COMMON SENSE!! Stop for a moment and put down that self entitlment stick that you have up your rump and THINK!!!! How many times in just ONE DAY do you think those credit card ppl hear "I didnt make that charge"? I mean its like YOU have assumed that those ppl DONT have a backlog of other customers who swear on thier mothers life that THEY didnt make the charge. That YOU are the ONLY person making THAT claim. Ok we get it, YOU MAY not have made the charge, but THEY have to know 100% that YOU DID NOT!!! Until then the amount IS still your responsibility. So YOU will have to pay on the interest. The truly hilarious thing about your post is that you EXPECT that being a responsible customer is going to garner you extra treatment. BIG DEAL you pay your bills on time. CONGRATS!!! It STILL doesnt give YOU a free favor. So YOU have NOT been ripped off in ANY WAY!! YOU are just WHINING because YOU THINK that YOU shouldnt have to pay the interest. GET OVER IT!!! YOU AGREED TO ALL OF THIS!!!! YOU signed the paperwork that said YOU agreed to follow THIER terms and conditions. YOU cannot NOW whine about the FACT that you agreed to EVERYTHING!! When they get to YOUR issue they will more then likely reverse and give YOU a refund for the extra interest you paid on. Which will just show as a credit to your existing balance. But just hope that THEY dont find YOUR POST!!! Its PURE DEFAMATION and YOU show ZERO wrongdoing on thier part!!! YOU present ZERO evidence that YOU have been ripped off. YOUR POST is basically YOU throwing a online tantrum. SO Kudos for paying your bills on time but an EPIPC FAIL when it comes to actually being an adult.

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