Capital One Platinum Costco MASTERCARD Consumer Reviews

I got a scam and reported it in 5 minutes, but a Capital One customer said I have to pay even they know it is a scam as long as scammers had my information.
So, be careful using your Capital One credit card, they are really helping the scammers, not you.

Terrible service! Froze my account without notification. Called Capital One after they declined my annual Wyze subscription, answered all their 'account authentication' questions and then I requested the purchase to be permitted. After being with them for over a decade the security team first demanded I submit a Government ID for their security team's scrutiny because the annual subscription to Wyze cameras was deemed a 'high risk' transaction???
Now my card is inaccessible, my account login is restricted. Thanks, Capital One, stellar job.

Worst credit card ever! Informed them we were going on holiday on a “shopping trip” in the USA. They ended up blocking our cards due to “suspicious” charges in the USA. We had to call them 6 x within 2 days to confirm all the security questions and ask them to unblock our cards as we are on a “shopping trip”. Every time we called, we had to confirm who we were and pass all the security questions. They would unblock it for one purchase at a time. Told them again and again, that we are on holiday for four days. The next day thinking everything was ok, we went shopping and guess what happened? They blocked us again! What's wrong with Costco Master Card? So, of course, we were furious, who wants to spend hours on the phone while on your holiday, having to call them before each purchase! They kept on saying these outlets have a lot of fraudulent credit cards... And they flag these specific outlets. I get it, but we have confirmed who we are and can't call them every single time we want to buy something... We are cancelling our horrible Costco Master Cards. I have never had such a horrible experience with a credit card company. The employees were not helpful at all. Obviously not trained properly either.

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.

I got my card blocked 3 times within a couple months for supposedly fraudulent transactions. Every time I had to call wait for the agent, answer all the security questions + transactions one by one for the last 7 days, then got transferred to the security centre and restart the process again security questions, transactions one by one for the last 7 days, then got my card unblocked. The best waiting time was 50 mins, the worst was over 2h 30 minutes and I was at the cashier of Costco. I did an official complaint at Costco customer service about Capital One the same day. I can tell you Costco cares. This problem seems to be resolved as I receive now an email asking if I recognize the possibly fraudulent transactions and I can respond by email without anything else to do. Like many other reviewers, I also got refused for a higher credit limit despite I always pay the whole amount of my statement account every month in time. I'm using this card primarily for daily expenses because of the great cashback also for the no annual fee. I have other credit cards with much higher limit as a back up.

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.

Hi there, my experience with Costco capital one card is not good. This started when they upgraded the online banking and I lost all my online login info. Attempting to log in several times using my old acct info w/o any prompts or notification that the online upgrade is happening. Finally, when I figured it out, lots of info was not available to config or setup. I called customer service but they weren't able to give me any good concrete solution (I was trying to update user name). They asked me to try again later that the system is perhaps not working. I find the poor customer communication that the online upgrade is happening is my first poor experience. Talking to the call center, the agent wasn't trained up or given the right info was the other thing. Finally, when I was trying to use it to skip the dish, the card payment failed. Tried several times w/o luck. Finally, had to call the restaurant to make the order. Next day I find out can't use the card and so had to call the call center. The customer service was rude and was not helpful. She asked verification questions many times. CS seemed like didn't want to help me. Again they gave me a bunch of scripted vague answers that leave me feeling they didn't want my business. If it was not the Costco aspect (ID on the back of the card), I will cancel this card.

After reading the reviews on the page, I can see I am not the only one this has happened to. Same deal re: vacation. They blocked me due to ‘fraudulent’ speculation. Told me that it is unblocked. Tried again ‘denied’ - called back and the guy that answered the phone said his system was slow that he will forward me to another rep. I said I hope you not going to put me on hold again. He assured me I would get to speak to another rep after getting forwarded. As you can assume I was redirected back into the queue. Great! So waiting again and got another rep who said that she will update my info i.e.: phone number so this would help - I tried and again denied. Then she said that it isn’t her side, it must be the website or airline that's blocking me. I said that why would they block me, it is Capital ONE that is saying something is wrong, not the website. Tried the next day and same deal: can't make a purchase, tried another Credit Card and bam - it had no issues whatsoever. Don’t bother with the cash back rewards - better not wasting your energy and time.

Every week the card would stop working for security issues. Customer service was quick to connect to. But useless help. They would tell me to call back because their system is not working. They told me if I cancel, I'm banned for life...great, done deal. I only used the card for 2 months and realized the other cards I've been using for 10 years rarely had issues. If issues occurred, I would be provided good customer service and resolution. Don't waste your time.