Just sharing an experience with you guys…
Well! I have been having issues with Capital one from day one. Six months ago they were doing business with a third party “MY CHECK FREE”. And if you were signed up for an automated payment for a particular date, it did not matter to my check free. They just authorized a transaction whenever they felt like it. So, I stopped making automated payments and started paying by phone.
One of the representatives told me it would cost me 8 dollars more if I made a payment over the phone. I hung up and called again. Another representative told me they would charge me 14.95 extra to make a payment through the phone. I requested them, if it is possible not to charge that extra free? I received a negative response. However, I did not make a payment that day. A few days later one of the representatives contacted me for account past due. Told me the amount and said if I made a payment right away she would take off the late fee and would only charge the amount owed.
I also had an online account set up and for some reason it does not exist anymore. Tried to enroll and set up an online account. It says call “1-877-442-3764” because the account is temporarily disabled. When I called that number they said, I never had an online account. SO what am I suppose to do? Pay or not to pay? Or may be pay on the phone before the due date by calling customer service and pay extra amount OR Pay a few days late when the representative calls and pay only the amount that is due (no late fees).
So with CAPITAL ONE, I never pay before the due date because I would be paying 8 or 14 dollars for paying it (on time) on the phone. I wait till the account is 3 days past due and a representative calls me. I set up payments for a few months with out any fee. What the Heck? If I pay on time I would have to pay extra but if I pay late and wait for a representative to contact me, I would only pay the amount due
Would I recommend capital one to anyone? Umm… I don’t think so.