Capital One Platinum Costco MASTERCARD Consumer Reviews

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.

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.

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.