CapitalOne Credit Company commits fraud by misleads people. I have the most horrible experience with them.
1- They send out flyer for balance transfer from other credit cards free of finance charge for a year. This is a big lie and they want to rip you off. They know the way: They will not charge you on the transfer but they will start charging you finance on your purchases! This was the answer from an account manager after 4 times talking to different managers and all of them were denying the flyer. I have their flyer.
Their managers know nothing on the system.
2- On their statement they show 0 minimum charges. They do not show the total of the transactions and all they will show is New Balance including the balance transfer with no min. Charges due, so you will never know how much you need to pay to avoid finance charges. They are crooks.
3- There is no customer service. When you call them there is no option to reach a representative unless you falsely indicate for example you want to transfer funds. One will be on the phone for minimum half an hour or on hold to fail solving a problem for almost an hour or min. 45 minutes. If they need to do research and the client needs to take care of other business after long time conversation, their response is: we can't make calls to out and we don't have direct # if you won't hold you need to go through the Whole process again.
4- Anyone can charge you.
5- They are great at steeling customer money and ruining their day if client gets the chance to reach them at all.
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