and have an overall good banking experience- STAY AWAY.Customers using a textphone (or the Relay UK app* on a compatible device) can contact us through Relay UK (formerly Typetalk / Text Relay / Next Generation Text) on the below: If you’re trying to increase credit score, have a healthy credit record. Only use capital one if you have literally zero credit history. If it wouldn’t hurt my credit score I would’ve cancelled it right away. Ridiculous that I pay $80 annually on a $300 credit limit. I am not in debt and never missed a payment. I have two other credit cards with Desjardens ($1000) and TD ($3500). Even Canadian Tire, which is not an established CC company gave me higher limit ($500) years ago when I was literally still a highschool student working a minimum wage job. In comparison neo financial gave me $2500 on my first application and this was when my credit score was I think 70 points lower. Can’t even reach customer service for basic inquiries. yet, ZERO offers for credit increase and couldn’t request one either from the app/website (i’ve been trying periodically for 2 years on the app) as this is the only to do it. My credit is score is above average (730) with a stable job and good salary. I’ve been with them for 2 years now and my credit limit is still $300. No credit limit increase, poor customer service Thanks for reading this review and if it keeps one more person from being defrauded, then it was worth writing. Perhaps a small claims court case, made public, will get their attention. And now they are not honoring their agreement and it's up to me to pursue legal action to get the monies due me. So now I opened up an account with a promise of certain rewards if I complied with their usage requirements, which I did. Fairchild, who did at least pass on my correspondence to someone in their fraud department but it was to no avail. They've never told me why the account was restricted (after approving it to begin with and giving me a high credit limit), just kept demanding documents that they were never satisfied with. I have never been treated this poorly by a bank in my life. I was told that while it was restricted, they could not release the money I had earned through legitimate use of the card and so have refused to provide me with funds that I earned under their program. After two months and three separate submissions, I said enough is enough and asked that they remit to me the $220 in rewards that I had earned and then close the account. Each time, they said these did not meet their requirements. Over a period of two months, they called every two weeks to say that my proof of residency was insufficient - my submissions included a property tax bill for my residency in my name, a bank statement in my name and a utility bill from Waste Management in my name.
Capital one chat support drivers#
In an attempt to work with them to verify my identity, I submitted any number of private documents including drivers license, social security card and proof of residency.
Briefly, I opened a credit card account, earned $220 in rewards and then Capital One, for reasons never explained to me, put a restriction on the account. I'm a victim of bank fraud - not someone stealing my ID and using my accounts but rather by the bank itself.
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