Kathryn S.

I subscribed and paid a full year in advance for a policy
I was lead to believe this covered garage door openers, and it doesn't. I would never have purchased the policy if that had been made clear.
Then when you file a claim they immediately require your payment by phone before they will even file the claim. I have done this twice, and it took 2 weeks to get a simple garbage disposal placed, and even then they required me to pay an extra 28.00. Interestingly Lowes had the same one in stock for half the price.
It took a week to get an electrician out for a simple job and that's because I started calling them daily. So. I decided to drop the policy. Magically, they don't seem to be able to answer the phone, but they sure would do so to file a claim and get your money ahead of time. They are a nightmare of a company.

I had scheduled a trip through EF Tours, another scam company who kept my voluntarily paid large deposit
I had to cancel the trip, within a week of booking it for health and other problems. And the trip was 18 months in the future. Capitol One refuses to remove this bogus charge, requesting proof of cancelation. I canceled by phone. EFTours is so corrupt they are being sued by numerous people. Yet Capitol One refuses to remove this large charge because I can't provide proof of cancelation and EF Tours certainly won't admit that they received a cancelation. It was canceled by phone. I can't snatch words out of the air.
I have been a loyal customer of Capitol One for nearly 12 years, in good standing. They are losing me this week. I have fought this all summer and provided everything they requested. All for nothing.
Shame on these two companies
Cap One and EF Tours. Too bad I can't give a zero star rating, for both