capitalone

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After 20 years, they closed my account.

Most complicated card I’ve had to deal with. Any significant purchase was declined and flagged for fraud. I currently live overseas and they do not allow profiles to use phone numbers from outside the US. Which can make things a bit more difficult to iron out. Tried to set up my card for online use and could not… called in to inquire why and was just told “You couldn’t do that.” With no actual explanation. I’ve had this card for nearly 20 years (only tried to keep it alive for the credit history). Never missed a payment. Never late for a payment. Never allowed me to increase my credit limit. After some time of not using the card (due to living overseas and consistent issues trying to make purchases) they said they’d close my account due to inactivity. I ordered a new card, and as fate would have it, received it in the mail the day they closed the account. Customer service did put in a case to request they consider reopening my account, but the request was denied even though it wasn’t my fault I didn’t receive the card in time. After 20 years of never missing on time or early payments, they cannot honor this request.

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Date of experience: Jan 23, 2024