Capital One Platinum Costco MASTERCARD Consumer Reviews

Every time I call for an issue it never gets resolved. The customer service department is not trained or knowledgeable about the business, they only read off a script and say sorry. Last time I called asking to cancel a transaction (fraudulent) I was told I have to wait 15 days while the company I wanted to purchase from has my Credit Card info. With another card, all I have to do is text them and it's done! Horrible service. This Credit Card gets cancelled.

When booking a holiday I was reported that my Cosco Capital One platinum credit card was refused because I was over my limit. I checked my billing on the website and it was clear that I was not over my limit or even close to it. I called Capital One and after 10 minutes finally spoke to an agent who then had to refer me to the security department. Another five-minute wait and I got to talk to the security agent who said it was rejected as being possibly fraudulent and that the travel company I was booking through had a record of being involved with such claims. They seem an unlikely target because people are booking trips which the authorities can readily check on, but I couldn't refute it. Then I asked why they had not sent me an email asking me if this was a little legitimate charge. Their answer was that I had not checked the right boxes in the notification menus for my web account. I found when I went back and checked my account, there was only one box I had not checked and that has nothing to do with receiving notification for a possible fraudulent charge. So either the agent was lying or was himself confused. Like many, I have been refused an increase in my limit even though I have had to make additional payments during the billing cycle to avoid going over the limit. I believe the ratings Capital One has received on the site are well learned.

1. Regularly blocking transactions because of 'fraud'. As a result, missed out on some limited Black Friday deals. They do this regularly on me. One would think they would learn my spending habits, but they don't. 2. Won't let me increase my limit. 'Our computers have determined you don't qualify for an increase in limit... please try again a year from now'. Hello, whatever happened to doing a credit check? No, if their computer says no, they won't do that. The only reason I keep them is their link to Costco with the cashback. They do have one nice feature - the auto pay feature from my bank account each month.