Capital One Credit Card Complaint

Credit line increase/decrease

Capital One Credit card department,

Credit line increase/decrease New Jersey

I contacted Capitol One so that i could do a balance transfer for $6000.00 from another card. I had a credit limit of $4000.00 and was calling to ask for a $2000.00 credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for - years and my credit score is - and my income is $100000.00 annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have - years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.

Capital One customer in New Jersey
Dec 23, 2015

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
[email protected]
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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