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Can Capital One Be Stopped???

CHESAPEAKE, VIRGINIA -- I was married for 8 years and my ex-wife totally destroyed my credit. After we separated I made an attempt to re-establish my credit and took a chance with Capital One. My payments were always made on time, if not early, so they increased my limit by 200.00 within a year (which made it $500.00 limit altogether).

Capital One has an annual fee which is pretty steep. My charges were under my limit until Capital One tacked on that big annual fee and didn't even warn me about it, and it put me well over my limit so they in turn tacked on extra charges for that. it made it so my payments couldn't get me back in black, so I decided to just give up any chance of regaining credit and blew it off.

Well, to my surprise on Thanksgiving Day (1 week ago) I took my kids to Old Country Buffet for Thanksgiving Dinner and I knew I had money in my account and when they swiped my debit card, it came back as declined. I was shocked and extremely embarrassed and didn't know why it happened.

Since it was a holiday, I had to wait until the next day to contact my bank and inquire as to what happened. It seems that Capital One got a judgment for 1,044 dollars from me and had frozen my account. To make matters worse, my 2-week paycheck went into my account that Friday AM (from direct deposit) and I couldn't touch the money I needed to pay bills and put food on my table. I had to stop my direct deposit at work and I have no idea how I can even cash my paychecks in the future until Capital One leaves me alone.

I feel they may move to garnish my wages in the near future since I'm $400.00 short of what they want in my checking account. I was starting to get ahead financially and now I am set so far back I feel I may not be able to recover for at least another year. All of this happened of course right at the holidays, so my kids will not have a Christmas either due to this. My children are the most loving and wonderful kids anyone has ever met and it breaks my heart that this has transpired. My ex can't help with Christmas for them either since she depends on my giving her $700.00 per month in child support and is currently not working. I feel so violated by Capital One.

To help keep me as a potential future customer, I would like the following: What I'd really like done about it is that a law be passed that will not give big rip off corporations the power to keep all your money but that'll never happen. What I'll settle for is a lot of negative publicity for Capital One and their shady dealings, so as to protect other consumers who could get financially ruined by trying those rip off artists. At the very least I would like a response from your company regarding this incident. Thank you for your time.

Kmart Corporation

WEST HILLS, CALIFORNIA -- On October 5, 2001, I purchased merchandise from your Kmart store located in West Hills, California. I had been shopping in the store for about an hour, and proceeded to the check out counter before closing. There were two Caucasian women in front of me in line, and they both used their credit cards to make their purchases, with no problem. When it was my turn the cashier ** scanned my purchase. I proceeded to swipe my Visa Check Card through the terminal at the register. I gave her my credit card and driver license.

The floor supervisor ** came over to the register and took my credit card and driver's license from **, she very rudely told me she had to check my credit card. I watched her walk away with my credit card and driver's license and instead of going to the Customer Service counter she went to the back of the store. I waited for 15- 20 min during which I had ** page her several times because I wanted to know what the problem was and I asked her repeatedly if this is Kmart credit card acceptance policy.

Unfortunately, no one could give me an answer. I asked ** to call the Store Manager, **, who had walked by the register several times and did not stop once to see or inquire about the problem. I saw the Store Manager, ** go into a front office and never came back out even after he had been paged. Finally, ** return with my credit card and driver's license, and I asked again about the delay, and what are Kmart's policies with credit card transactions. ** still could not explain the problem or policy. ** then gave the card to ** and it was approved with no problem.

I was so distressed about being treated in this manner that I did not check my shopping bags. When I got home I noticed some of the items I paid for were not in the shopping bags. I had to go back to Kmart on Saturday, October 6th, 2001 to pick up my items; which was a further inconvenience. I had called Kmart at 8:00am on Saturday to speak with the manager, I was transferred to a manager named Gabi, I explained the problem to Gabi, and she could not give me an answer. I was transferred to the Store Manager Rory Mullan. I asked Rory if what happen to me on Friday night was Kmart credit card policy and he stated ”No” and he would talk to the floor supervisor Hosai that was on duty that night. I asked Rory would the items I purchased on Friday night is held for me to pick-up at the customer service counter, Rory replied “Yes”. I arrived at Kmart Saturday afternoon, went over to the customer service desk asked Hosai (who was working the customer service desk) if she was hold my purchase from Friday night. Hosai stated “No”. I had to send my friend Joy to run around the store, pick up the items I had purchased from Friday night. Rory told me my purchase would be waiting at the customer service counter; which was a lie. Rory was not available Saturday afternoon; I had to speak to the Assistant Manager, Felix. I asked Felix what Kmart policies on credit card transaction are; his answer was every Kmart has different policies. I asked him for the different polices in writing. Felix did not have the answer either, gave me the telephone number to Kmart Customer complaint line. I filled out a slip with my name and telephone number and gave it Hosai; I have yet to hear from Rory Mullen.

On Monday, October 8, 2001, I called the customer service complaint line. The operator, who took my complaint, found my situation amusing and started to laugh. I do not find anything amusing about this situation. Its obvious Kmart's customer service department needs more training on professionalism when assisting customers.

Unfortunately, Kmart's customer service was poor. I feel I have been treated unfairly because of racial profiling and lack of knowledge of company policies. My rights as a consumer were violated. I was treated like a criminal and I also fear I was a victim of fraud because I have no idea what was being done with my credit card and drivers license while not in my presence. I am seeking compensation for harassment and racial unfairness, and mental stress against Kmart Corporation. I look forward to your reply and a resolution to this incident, and will wait until ten business days for a response, before I seek legal assistant and media publicity. Thank you for your time.

(818) 343-1304

To help keep me as a potential future customer, I would like the following:

I would like for your company to look further into the racial profiling and consumer credit card laws.

At the very least I would like a response from your company regarding this incident. Thank you for your time.

Problems With Movers
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I had selected America's Best Movers for my move from Wheaton, IL to Redlands, CA. This was based on the quote given to me by ** who works as a relocation consultant. I had given him a list of items in my household and he sent me a quote for $1995 for 570 cubic feet. After the truck driver loaded all my goods, he said that the total goods were more and it will cost me $3350. There was absolutely no means to find out if the goods were within the 570 cubic feet as quoted in the initial quote or a thousand cubic feet as claimed by the driver.

The driver ** also asked me to initial at a number of places on the form before he can start loading the truck. This included the part where I would be compensated at the rate of 60 cents per pound in case of any damage or loss. At that point of time I was given no other option. Before booking I had inquired from ** and he had told that there would be an insurance coverage of $50000.

**, the relocation consultant and **, the truck driver had assured me that my goods would reach Redlands, CA before the 26th, the date I was supposed to move into my apartment. ** had pressed us repeatedly to pick up the goods from our apartment on 14th instead of 16th of September and we obliged. After reaching Redlands, CA when we contacted the office on 26th September, I was told that the goods would arrive that weekend. I was upset as I had planned everything based on the availability of the apartment and arrival of my goods.

From 26th of September, for 28 days we were without our belongings and without any information about our goods, with no idea if we will ever receive the goods. Throughout this period, whenever I called the company, I was told to call back after a couple of days. The attitude and tone of the employees, especially **, was arrogant and unprofessional. I got the impression that they had no intention whatsoever of delivering my goods. At no point of time did I get the status of my goods. When I asked ** that I be compensated for the delay, he indicated that I send him the remaining amount if I need my goods.

Between September 14th, when my goods were picked up from Wheaton, IL and October 23rd, when they were delivered in CA, no one called me even once to tell me where my goods were or when I will get them. The attitude of the employee was unprofessional and unethical.

With two small kids, the amount of stress I had to undergo without my goods was unbearable. Without kitchen appliances/utensils, we had to incur a lot of expenses on meals. We also had to purchase clothes for the family to manage during the period. Apart from this, we had to incur costs in other basic necessities which would have been avoided if our goods had been delivered in time.

My kids were longing for their toys, books and other belongings everyday and we did not have an answer for them as to when they will get their stuff. All this was compounded by the uncertainty whether we will ever get our stuff back. On top of that, the way the staff was treating us made us feel humiliated and scared. As soon as the receptionist found out that I was calling to inquire about my goods, she used to put me on hold that used to never end. I had to call over and over again to get a response – which always used to be “Call up in next couple of days”.

Finally when the truck driver ** arrived with the goods 28 days after the promised date of delivery, he demanded that I pay him $150 cash upfront in addition to the remaining amount before he would unload the truck. Otherwise he would take back the goods. Having no other option, we had to give him the money to get our belongings, and a lot of them were damaged. On top of this, they did not assemble or organize the things that they had dismantled during packing.

When I called up the office to get a complaint form for reporting the damages, I was told to call back after two weeks as the person dealing with the forms is on vacation. Overall, I had a very unpleasant experience in dealing with America's Best Movers where I had to undergo a lot of mental stress as well as financial strain. The employee attitude towards servicing me changed after they picked up the goods. I was treated with arrogance and felt humiliated in dealing with the employees.

To help keep me as a potential future customer, I would like the following: (1) reimburse the total amount that was charged for the move; (2) compensation for staying without our belongings for 28 days, from September 26th to October 22nd. This should include the amount we spent on food, clothes and other articles necessary for survival; (3) hundred and fifty dollars that were forced from me by the driver **; (4) compensation for the stress we had to undergo due to the unprofessional, anti-customer attitude of your staff; (5) compensation for the broken goods that include coffee table set, dining table set and a dresser organizer.

America's Best Movers - 1535 NW 65th Ave, Plantation, FL United States 33313. (954)485-2444. At the very least, I would like a response from your company regarding this incident. Thank you for your time.

Poor Quality of Whirlpool Product
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OHIO -- Big Whirlpool brand problem. I purchased a Whirlpool glass cook top, and sealed burner gas stove, and all the parts covered with porcelain (grates, caps and beauty rings) are so defective that the porcelain, with very little stove use, chips off, and the rings warp. This even happens to areas that are never in contact with a pot or pan.

Luckily, but also unfortunately, I purchased an extended warranty from another company who has replaced the defective parts numerous times after seeing how deteriorated they are. The warranty company advised me to contact Whirlpool personally in hopes of having something done due to the poor quality of this product, because their hands are basically tied concerning this matter.

I have contacted Whirlpool on numerous occasions and have literally pleaded with them to send someone out or to allow me to mail them the said defective items for them to study/view, and to please rectify this problem. I would have genuinely appreciated a replacement model or a refund for the purchase price, even losing the $100+ I paid for the aforementioned extended warranty. I even called stating that some of the porcelain was already coming off inside the plastic bag that the beauty rings were in from the manufacturer before I even used/installed this replacement item.

All the Whirlpool company has done is to refer me to yet another area of their corporation, and so on and so on. The end result is that they will not stand behind their product and my warranty will soon expire leaving me with a real eyesore of a Whirlpool product!!! Has anyone out there had a similar problem with their stove top, or do you know of anyone who has? Has anyone out there had any negative dealings with Whirlpool, and, if so, was Whirlpool at least responsive?

I feel it is such a shame that we are encouraged to buy extended warranties for the products we purchase today, and that such inferior products are marketed. I even feel it is more shameful to be basically ignored when consumers are not assisted with such poor quality from a manufacturing company such as Whirlpool. I would sincerely appreciate any responses any of you might be able to afford. Thank you.

Refusal to Honor Warranty
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LAKEVILLE, MINNESOTA -- We got a Whirlpool Gas Range / Oven last summer. After about 6 months, we started getting intermittent power failures (oven just shuts off). After sending a service worker to replace 2 parts, (and never running any diagnostics on the oven itself) they refuse to do anything more with it because it is not installed on a dedicated circuit. The range is installed in an existing location where 2 other gas ranges had worked fine for about 12 years each, and the install manual says they "recommend" a dedicated circuit. I'll never buy Whirlpool again and am planning on pursuing legal action against them.

Buyer Beware!!!

LITHIA SPRINGS, GEORGIA -- My gas oven (less than 2 yrs old) stopped working but I could still use the burners on the top. I called Whirlpool 4 times before I could get an appointment for service. I finally scheduled service and they told me the date and that someone would be calling me to let me know what time. The next day no one called me to let me know what time they would show, I called Whirlpool again and they said I needed to call the service company.

I called the service company at 5 pm and they told me they would be there at 6:30 pm, I informed them that I could not sit and wait that I had made plans. I called Whirlpool back and filed a complaint against their service company and against them because of the service. I finally had to call a repairman.

The repairman told me that heat from the stove top burner had gotten under the hood on the stove and the wires got hot, melted and shorted the computer board. He told me that it would cost $200 to fix a $375 stove. I have been trying to get a hold of a supervisor at Whirlpool with no luck!! The repairman said he had seen problems like this for this type of stove.

Gas Range
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PHILADELPHIA, PENNSYLVANIA -- We have a Roper (Whirlpool) gas range that spontaneously shuts off while baking. This has happened more than ten times in the past year since purchase. The service people have no idea how to fix it, and the company refuses to stand behind their products and issue either a replacement or a refund. Is there a lemon law for appliances, because this one surely is a lemon. My family will never buy Whirlpool or Roper again.

Help the US Consumer
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Please consider starting a segment on consumer protections from companies that screw its customers over again and again. There is no accountability from corporate America and consumers are being screwed over! Thank you for taking the time to read this.

By -

ROCKLAND, MAINE -- I lost custody of my six children when they were all very young. My age and health are failing me. I just wish there was some way I could reunite with my children just once to tell them I never stopped loving them. Could you please help me find all of them and set up such a reunion? Thank you for taking the time to read this.

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48 Hours Rating:
9 reviews & complaints.
Contact Information:
48 Hours
524 West 57th Street
New York, NY 10019
212-975-3247 (ph)
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