How can you alienate customers? Capital One can teach you an effective method. They offered a lesson to our household this week, in fine, sequential detail.
Last week we paid into a Capital One loan using check-by-phone. Easy to do. And the rep emailed me confirmation. Nice and smooth. Then, a few days later, a Capital One rep calls. "We haven't received payment on that loan."
Me: "I just paid this to you guys. Let me find the confirmation email."
Capital One: "Well, your bank didn't send the funds."
"Holy cow! Is my bank in trouble? I know I have enough funds to cover it." Did we make a mistake? Did we get hacked by identity fraud? Brief panic at our house.
Pause on their end. "Um, yes, you, er, did in fact pay us. The payment was, ah, misapplied to the wrong account."
Passive voice is usually the sign of culpability. Don't people know this yet? I replied: "OK, was that a mistake on my end?"
Embarrassed pause. "No, that was, ah, internal."
"So we're fine, right?"
Etc. I eventually got him to apologize for wasting my time and causing a brief panic, then went about my business.
This morning, they called again. "We haven't received payment on that loan." I sighed, summarized the previous conversation.
Capital One rep, right away: "Ah, I see that in my notes. Um, no problem. Sorry to bother you."
"Is something wrong with your system?" I worried.
Quite cheerfully he replied:"No, we're fine."
"You're certainly not fine." I harangued the poor chap, mentioned "harrassment," then hung up.
Meanwhile, I'm still waiting for Capital One's Customer Service: Contact Us page to load. It's been stalling for ten minutes.
One of the keen details of this little affair was how easy it was for the second and third reps to find out their mistake. It didn't take putting me on hold, connecting to another office, hunting around. The correct information was right there. At best, this reflects some disorganization or poor rep training and support.
Capital One: now at the bottom of our list when we seek our next loan. Are you listening?
Recent Comments