Capital One Bank Review

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2 stars
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Guest's Review of Capital One Bank

12th Jun 2009

Overall Rating

0 stars
  • Telephone Banking
    0 stars
  • Local Branch
    0 stars
  • Customer Service
    0 stars
  • Internet Banking
    0 stars
  • Cash Point Facility
    0.5 stars
Good Points

NIL


Bad Points

a Company not to trust


General Comments

I applied for a Cap One credit card last year to help with my credit rating - help? it made it worse. I was accepted for the card and used it regularly and paid the required amount each month towards the £200 card limit, I became unemployed at the beginning of this year and activated my payment protection plan that they advised me to take when I applied for the card - no problem I am covered? Wrong, although in theory I am covered through AXA Insurance I am now almost £100 in arrears. AXA take so long to sort out the PPI that Cap One add defaults each month and then several months along they inform me that I was suppose to pay it each month until the PPI is calculated through AXA Insurance - the defaults were eventually removed but my £200 card limit it is now almost a £300 balance on a card I have not used. I have contacted their Executive Office in England and even their CEO in USA but still nothing has been done to restore my faith in Cap One - I had several letters from them threatening court action and that I would need to pay it in total plus court charges and extra - extra what? I have now raised court action against them for the extra £100 added to my account and for the stress and verbal abuse I get from their office in the Philippines demanding payment and of course they will have to pay the court fees. I reminded them that their company had previously been fined £175.000 in 2007 because of falsely sold PPI? Customer Service is obviously not something they are trained in - I was always taught that the customer is what keeps us in a job? It will cost them a lot more in court fees than it would to reduce the false amount they have added to my account. If I knew then what I know now about Cap One I would never have taken their credit card.

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