To complain to Capital One about their service, call 0843 254 8968 to discuss your issue. If this is unsuccessful in resolving the problem, the company have a complaints procedure to follow.
Capital One is a credit card company offering a range of credit cards.
Capital One is a subsidiary of US firm Capital One Financial Corporation which began trading in 1995 and started up in the UK the following year. In 1997, Capital One opened their UK headquarters in Nottingham generating 1200 jobs in the East Midlands area.
Capital One sees itself as a highly customer-focused company with a commitment to making credit easy to understand for their cardholders. They provide a range of credit cards to suit their customer's financial needs and circumstances.
The company have been criticised for providing credit cards for some customers with higher than industry standard rates of interest. Capital One's counter-argument is that it means certain types of customer with poor credit ratings can at least have a credit card where they may not usually qualify for one at lower interest rates.
In the first instance, you should contact Capital One by phone on 0843 254 8968 (24 hours: calls charged at 5p per minute from BT landlines). If this does not work, then the next step is to write to the company. There is no email address or online contact form link on the website in the complaints section, so you will have to use the postal correspondence address.
The website explains the steps required to progress your complaint. At the end of this process, if you are dissatisfied with the outcome you may take the matter up with the Financial Ombudsman (details below). Before doing so, you MUST have received a 'final decision' letter from Capital One regarding your complaint.
If you wish to complain about PPI (payment protection insurance) there is a link on the website devoted to this topic.
Capital One report on complaints they have received to the FCA (Financial Conduct Authority) and a copy of this report is available on their website.
A range of credit cards. Capital One offers card types with low credit limits designed to help people repair poor credit histories. Higher credit limit cards are offered with cash back rewards on products and services purchased with the card.
Complaints Tel: 0843 254 8968
PO Box 5281
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Calls cost 5p per minute plus your phone companies access charge.
A new Banking Standards Review Council is set to launch which will oversee the behaviour and competence of the industry. Sir Richard Lambert who is acting as interim chairman has set out the BSRC proposal. The body will be funded by the banking industry and early adopters include HSBC, Barclays, Lloyds, Nationwide, RBS, Standard Charter and Santander.