Capital One extraordinary incompetence - failed to send balance transfer check!
On 1/10/08 I called Capital One and asked whether they could send a check directly to my bank account, as I recently had been told several times.
The guy barely spoke English, I had to spell out every letter for the Compass Bank name and address and I was worried right then.
On the 15th I called Cap One to make sure that everything was going ok. I was told no problem, it just takes a few days to process everything.
Checked my account balance today, no record of the deposit, called the bank, no record of receiving the check, called Capital One again.
Of course the first person knew nothing, transferred me to Becky, employee ID IRS818. She started talking about the transfer being cancelled.
I have a letter from Cap One stating that the transfer request was approved, dated 1/10/08.
The she said the transfer was stopped on the 15th. I didn’t stop it, I called in on the 15th to ensure that everything was going ok. After putting me on hold several times, Becky couldn’t provide further details and had to transfer me again.
Then spoke to Eric, employee ID VRF848. He finally told me that on the 18th the “address verification” failed. I wasn’t too surprised.
I asked Eric why NOBODY informed me that the transfer was cancelled and he replied:
We don’t have the manpower for that.
Can you believe that? They send out a letter stating that the transfer was APPROVED, and then don’t bother to notify you that they didn’t send out the check. Notably, the address was NOT on the letter, it only referenced “Compass Bank”.
So I asked what Capital One could do for me and Eric suggested that we submit ANOTHER request for the check. I asked whether he could verify the address instantly, but they don’t have that capability.
Why on earth would I do this AGAIN, what reason is there to believe that the address would be verified this time?
Eric thought it wouldn’t be a problem. So I asked him to look up why the address wasn’t verified and it turns out that they had ARKANSAS instead of ARIZONA.
It would REALLY help if they had people with half a clue and basic English skills. Not to mention, that the idiots in the “verification department” could have figured out that the ZIP CODE is in Arizona and that my billing address happens to be in Kingman ARIZONA and is even on the SAME street as my bank!—DUH!
What kind of an IQ does it take to determine that their employee made a mistake?
Is it really too much to expect that they call me, as they FREQUENTLY do when I use a Capital One card more than 3 times in one day?
Is it really too much to expect to at least get a letter?
And why was the transfer APPROVED on the 10th and they didn’t even verify the address until the 18th?
I asked Eric whether I could just get a cash advance and they put it on a promo with the $50 max fee. But of course that was not an option. The checks I have already expired.
Eventually, Eric figured out that it was not even possible to send a check to my bank!
They can ONLY process requests to CREDIT CARD accounts.
So why do their employees continually suggest having Cap One send a check to my bank directly when I say that my bank won’t accept their promotional checks sent to me?
This is as bizarre as it gets.
Finally Eric suggested that they send a check to ME. Not having any other options, I agreed to that and supposedly they’ll now send a check to my billing address, he told me that the request was approved.
45 minutes on the phone today and my total time wasted is at least 3 hours - so far.
Posted by Christine on 01/23/2008 at 01:09 PM
*** 20 Reasons to STOP paying your credit cards! • 2004 Suit (credit limits, credit reporting - on appeal) • Capital One - ruthless banksters • (0) Comments • Permalink
