Capital One Platinum Costco MASTERCARD Consumer Reviews

Signed up. They never sent out the card. I had to call and several times. Finally, I received it in the mail! I asked for a replacement card because my wallet was lost. The card never issued. 2 phone calls. An hour and a half later, I finally gave up and cancelled the card. Oh! And they don't send statements!

Asked Costco to set up an auto-renewal for my Costco membership associated with my Mastercard when I renewed last year, this wasn't done so my Costco membership expired without my knowledge. No letter, email or calls were received either from Costco or Capital One regarding this issue. I only found out there was a problem when my card declined. Capital representative told me they had closed my account because I hadn't renewed my Costco membership and that my 650 dollars of cashback accrued was now non-collectable but advised that Costco could call and request the account be reopened. Went in and renewed my Costco membership and explained the situation. They called and asked for it to be reopened but there was no supervisor available to do so so I had to call back the next day. They then told me Costco had to fill out a form requesting the account be reopened detailing the reasons for missed membership renewal. Went in and Costco sent the form. Capital one denied the request even though it was from Costco whose membership I failed to renew. I've never missed a payment, my credit score is over 760, I paid my full balance owing every month. The fact that they can close the account with no notice and refuse to reopen it once I explained the situation and remedied the membership issue despite Costco's request is complete garbage. This is a terrible company with zero ethics and very poor customer service. Many of the reps are second language English speakers which make navigating phone conversation challenging and they can't help you once the issue is figured out. To boot Capital, one has been hacked and all their accounts information stolen. This is just a really bad issuer and we can all find better. Don't sign up, if you have any of their cards please switch.

Terrible. Absolutely terrible. Quite possibly the worst customer service I've ever experienced, consistently. COSTCO NEEDS TO DROP THIS COMPANY or demand that they improve, for the benefit of their customers. Why this card so bad in my opinion: 1) Extremely long wait times to speak to a representative (45 mins+) 2) If you lose your card, it will take months to get a replacement. You will have to phone them multiple times (and wait on hold) to remind them that you still do not have your replacement card. Then it will be time for you to go on vacation and you still will not have your card. From the time you phone in to report it lost, they wait weeks before they even process and send the new card, and they use the slowest shipping possible. Another company has their replacement cards couriered overnight and in your hands the next day. 3) Their representatives are shady and lazy. They say they will pass you over to someone else or make sure another department calls you back within a certain time frame, but they lie. I've been told that I was being transferred to a priority direct queue since I already waited almost an hour to reach them, and all they did was transfer me to the MAIN LINE which had the exact same hour long wait time.

Capital One Costco Mastercard constantly has a lot of mess up's such as scams on the card which you have to wait for 2.5 hours on the phone to cancel the charges that you didn't make. Next mess up is once you submit for a new card the provider made a mistake and your card doesn't come in. Once 7-10 business days go past and the card doesn't arrive, you have to wait for another 10 business days to get the card. Think very carefully if you really need to deal with Capital One.

We called 5 or 6 times to activate our cards. Finally, my husband was able to set his up however mind still doesn't work. The steps were being told are what we're doing. For example, we keep being told we're entering the incorrect pin and we keep responding it declines before allowing a pin to be entered. The solution they offer isn't a solution as they do not listen to the issue. Also, they were not able to set up online account access and I was asked to go to a different location and computer as my account was locked out. We're cancelling simply because of horrible customer service.

Regardless of PIN, photo and other crazy measures to log in it will be you who pays for fraud transaction. Oh yes! Before you pay that fraud, be ready to be a ping-pong ball between Capital One "safety department" agents.

Decided, at last, to get the card because we spend a lot of $$ at Costco. Since it was associated with Costco (5*+), I thought it would be simple. But no! They got our names wrong and we have to fly to the moon to change that. Further, if I want to check my account online, I MUST have a cell phone; what rubbish! I don't want one, don't need one and will never have one. But, if I want to go online with my computer, I have to have one to get sent a text. 19th-century software. All they can say is sorry. Attitude is terrible - well why don't you have a cell phone. I do not have that issue with any other bank or CC that I deal with. Sorry, keep it!

Has been a frequent customer at Costco. Thought to give this credit card a try. Worst decision ever. It has been 3 months since I applied, still haven't received my card due to "logistic issue", at least that is what they called it. And none of the customer service or their manager takes the responsibility of fixing the problem. One manager even told me to go get another MasterCard, which is super bizarre. Yes, I am getting another MasterCard now, and I would recommend everyone to take that manager's advice. Go get a MasterCard elsewhere!