When I signed up Walmart was with Synchrony. My account was opened with no interest until 3/24/20. When they switched from Synchrony to Capital One, they started to charge me interest. They would not go by my original contract signed with Synchrony. Shady. Now I’m...
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1 comment
Rielly
#1789359

The switch from Synchrony to Capital One is a joke. They have taken a promo offer of mine that is set to expire 12/29/19 and have it all jazzed up.

I always pay my promos one month before the actual expiration. With the switch to Capital One, my Oct 2019 payment, I paid the transaction balance on the statement plus over for the promo. I only had a 60.45 promo balance left going into Nov 2019 statement. This statement I PAID IN FULL, but they still show a promo balance for Dec 2019 statement.

Capital One told me they only use $28.00 from my payment and apply it to my promo balance. Then they use the remaining money to pay the statement transaction balance due. If there is still an overage of payment, they apply it to future purchases. Why are they not putting the overage amount towards the promotional balance?

I said those purchases made after the statement's closing date, should apply to the next monthly bill. Now I will not be able to pay off the promo balance before the due date since they only apply the $28.00 minimum. They said I would need to pay the current live balance in full to pay off the promotional offer by my expiration date. Read the back of your statement Capital One, in your own words, you take the first $28.00 minimum due and apply it to the lowest APR.

Any additional money is then applied to the highest APR balance, and then back to the lowest APR. Therefore, since I paid additional funds over the current statement balance, those funds should be applied back to the lowest APR, which is my PROMO!!!! You are an unethical and scrupulous company! Shame on Walmart for entering a joint venture with them!

You have lost my business!

PS. I would like to know how one is to pay off a promotional offer if you are only applying the $28.00 minimum to the promotion bill per month!

Review
#1719789 Review #1719789 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Failure to comply with original terms
Loss
$270
Preferred solution
Abide by the original promotion of no interest until 3/24/20
Tags
  • Walmart Scam
  • Promotion Failed
  • Capital One Lies
  • Capital One Poor Service

Go somewhere else | Walmart

changed my credit card to capitoil one wont change my address wont let me pay my bill wtf
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5 comments
Anonymous
#1782710

What is capitoil one?

Anonymous
#1782871
@Anonymous

Ever since capital one took over. Ive never had a late payment.

Im closing my account. What a nightmare.

Anonymous
#1783738
@Anonymous

What is the capitol of the United States? ---- Warshington, D.C.

Rielly
#1789360
@Anonymous

They are terrible and need to be held accountable for their unethical behavior!

Anonymous
#1788170
@Anonymous

well its not capitol two

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Review
#1717168 Review #1717168 is a subjective opinion of poster.
Product
Walmart Credit Card
Pros
  • Close by
Cons
  • Creit card sucks new better bank in the us
  • Bad service
  • You discriminating against those of us that do not have iphones
Reason of review
u changed banks for c/c now i can't even pay my bill if i have one they won't tell me no english
Preferred solution
Let the company propose a solution
Walmart has done a lot of *** things in the past, but this one takes the cake. I applied for, and got, a Walmart Credit Card that I used for gas and emergencies. Then, last month, they switched to Capital One with no warning. When I got online to pay my bill, Capital...
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1 comment
Abryanna
#1781956

I reluctantly registered on 10/14 as instructed. Check the account.

On Oct. 23 I tried numerous times to access account to make payment. Site said they did not recognze me - wrong password.. Had options that I was not able to use.

Next step call Capital One I stated that my password was correct. Send me an e-mail link so I could change password (which I did not want to do). I was told they would send a link and in responding, send a copy of my driver's license. If you couldn't text me, how was I to send a copy of license.

I transferred money out of Capital One and will not use their card or Walmarts again. The second person I spoke with had to check with someone to see if they could send an e-mail link (common practice for other companies).

Review
#1697813 Review #1697813 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Switched without my consent or knowledge.
Preferred solution
Nothing. When the card is payed off, I will cancel it. I already cut it up, and am just done.
1.0
Details
i changed my bank account one month and at the end of the month tried to set up auto-pay. i was online and told them to put the payment through. he said it didn't go through. i knew i had 900. in the bank so i told him to put it through again. it didn't go through...
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1 comment
Rielly
#1789361

Capital One is awful!

Review
#1693920 Review #1693920 is a subjective opinion of poster.
Product
Walmart Credit Card
Cons
  • Credit card rule allows for no error
Reason of review
Poor customer service
Loss
$700
Preferred solution
Let the company propose a solution

You charged me a 5 dollar waiver fee when I didn't even get my deposit yet. | Walmart

3.0
Details
Why did y'all charge me a 5 dollar monthly fee when i didn't even get my check deposted on my card yet. It's not my fault but i get penalized for it. Not fair, maybe i shod take my card business elsewhere.
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Review
#1691957 Review #1691957 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Yall put my card in the red.
Loss
$5
Preferred solution
Let the company propose a solution
I have never missed a payment in 3 years. While other companies increased my credit limit, they decreased it to a level that meant i was over credit limit and had additional fees. Their reason was not using the card enough.
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2 comments
Anonymous
#1782872

This is what happened to me too. Capital one please leave!! I relied on this card.

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Review
#1633890 Review #1633890 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Problems with payment
Loss
$15
Preferred solution
Stop decreasing credit limit and refund over limit and credit payment you didnt post
I applied for a WM credit card specifically for Xmas gifts. Everything went perfect, I was approved had over $1200 credit limit etc. I made every payment on-time and payment was always more than the min amount due. Received a credit alert that something changed. WM...
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1 comment
Anonymous
#1702324

Had you opened other credit accounts, been late paying other accounts or had a decrease in income? Any of these things could result in a reduction of your credit limit.

Review
#1559639 Review #1559639 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Problems with payment
They have milked me out of more than a thousand dollars in fees and interest even after i canceld my account and requested a final statment. They told me they can close my account and still charge me intrest and when i requested to speak to a supervisor the lady...
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1 comment
Anonymous
#1702776

Closing an account doesn't mean that what you owe them is cancelled, you just won't be able to make anymore purchases on the account, which sounds like a good thing in your case. Until your balance is paid off they are entitled to charge interest and if you don't make your payments on time they can certainly charge you late fees. Grow up and pay what you owe.

Review
#1559196 Review #1559196 is a subjective opinion of poster.
Product
Walmart Credit Card

Charges on card | Walmart in Cheektowaga, New York

We renewed our Sam's membership in the store and the renewal was charged again on my boyfriend's card also. Went into the store and they called to have the charge reversed because they were afraid that if they reversed the charges the membership would be cancelled. Don't know why you have to investigate this and it takes 1-2 billing cycles!!! Just called customer service and got the same answer. This is unacceptable. If the company that charges me to have it reversed why do you need to investigate it!!
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Review
#1539452 Review #1539452 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Problems with payment

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I called Walmart credit card services, the man that answered my call was not helpful or kind. I told him my due date was the 1st of May and I would be able to pay the bill in full on May 3rd. I asked if he could postpone the the payment he refused, then I asked if I...
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3 comments
Anonymous
#1683829

Of course, they weren't "helpful." They didn't' say what you wanted them to say. You received quality service when the person told you no.

Then, for some reason, you thought this was 2004 and Check21 wasn't a thing. Listen, you can't float checks in this day and age. You post it, it could come out the next day. You should have waited and paid it late OR better yet, learn to budget.

You have no one to blame but yourself. YOU agreed to pay on a certain date when you signed up for the card.

Hopefully, your overdraft pays that bill or you will get an NSF from the card and the bank. Thanks for the what not to do if you really know how to handle your business post.

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Review
#1526223 Review #1526223 is a subjective opinion of poster.
Product
Walmart Credit Card
Reason of review
Problems with payment