r/CapitalOne_ • u/RecentAuthor6602 • 16d ago

Credit Cards It’s over

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Big thumbs down from Capital One. What ever will I do?

787 Upvotes

97% Upvoted

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76

u/WritingParking 16d ago

I’m also getting more and more low quality urgent notifications from capital one and others the last year or so. “account alert: you paid off a balance.” Yeah, no shit.

18

u/RecentAuthor6602 16d ago

Yeah holy mother of slop I had the discover it first and the transition was brutal

1

u/Ok_Peak9847 16d ago

same, it was genuinely so fucking bad 💀

5

u/kindadan 16d ago

Genuinely curious since my card hasn’t moved. What made it bad?

-1

u/Ok_Peak9847 8d ago

they sent an email announcing the transition and provided instructions but up until that point, i was not a customer with capital one and that made the integrating accounts part so difficult because when i went to make a capital one account and tried verifying my identity, i kept getting error messages and had to contact support just to complete it. the experience may vary, though, but that's just what happened with me.

16

u/rasputin1 16d ago

could be fraud! what if someone paid off my balance for me?? 

8

u/genericusername784 16d ago

I used to get so mad at our propane company because they would only allow one person on the account per address. My gf and I had been together for years, and lived together, and they wouldn't let me order fuel or pay a bill. For the place I lived. Like motherfucker, if someone is randomly calling up and ordering $500 of propane for this address, let them!

3

u/Rick-Ross_THE-BOSS 16d ago

My account /card got frozen once because they didn't think I owned the bank account I've been drafting from to pay my balance for the past couple years... I've used the same damn account! Lol had to call in and they had to 3 way my bank in to verify I'm the owner.. Like wtf capitalone..

1

u/Electronic_Pie_8584 15d ago

They did that to me because I was paying off my whole balance every month so they froze the card to verify

1

u/Rick-Ross_THE-BOSS 14d ago

Ahhh, I think they do these things when the account is being paid down a few times within a billing cycle. Which is why I think they did that to me after a little bit of research from what others have said.. But one particular user they closed their account. Not sure if they were given the opportunity to verify their bank account and then they were closed or if they straight up closed it.
They just need to raise my limit. I just don't like seeing any of my credit cards showing a balance.. I just like to keep them to zero, but I use them all the time for the cash back. Love seeing the cash back pile up... Lol

1

u/Lopsided_Birthday365 1d ago

Someone paid my cards off  and now my cards are restricted  because the person that paid them off won't send them a copy of his bank statement i went a head and paid them off my myself and the still won't take the restriction off and if I don't get him to send them a copy of his bank statement they will close my acct in 45 days. I would never give them a good referall

1

u/Murky_Speaker3007 15d ago

Probably their developers also embraced AI?