Capital One Complaint - Can Capital One be stopped ????

Posted by Anonymous on 2001-11-30:

I to am a capiotl one customer and they do this I know they say no annual fees and then when you get your bill you are charged 69.99. I had a card with them and I paid it off and canceled it or so I thought to find that they had let some Fishing magazine tack on a subscribtion and now they say I owe 69.99 plus late fees because I did not pay the bill.......

Posted by Anonymous on 2001-12-03:

I know Capital One attempts to reach me day and night when my monthly payment is late. They also send "late" letters, so ... unless your phone was disconnected and you moved, I can't imagine how you were completely blind-sided by them! It may be too late to work with them now, but in the future, TALK to your creditors, believe it or not, they want their money enough to work with you! My husband just got $148 in fees from one of our C-1 accounts, and $58 from another C-1 account removed this weekend. With that assistance, we were able to make the minimum payments! Good Luck to you in the future : )

Posted by jc on 2001-12-04:

You shouldn't have blown them off. I feel sorry for your situation, but if you made an effort to put things right it wouldn't have gotten that far.

Posted by Anonymous on 2001-12-12:

THEY ARE A VERY CROOKED COMPANY AND THEIR GOAL, I BELIEVE IS TO CONSTANTLY RIP OFF THE WORKING POOR. AND THEY HAVE THE NERVE TO DO ALL THAT ADVERTISING ON THE TELE. WELL WATCHOUT FOR THEM, IT'S A BAD MOVE.

Posted by Anonymous on 2001-12-28:

To Ms.Red,
I too tried to close my account and got fees charged like a credit card club. They don't understand the word "close"-- I wonder if they understand the word "sue". DeeKay

Posted by Anonymous on 2002-01-18:

Capital one must be stopped.......we are human and we do need to survive....adding on more fees and unauthorized charges after the card is closed cancelled too........is not fair.....they are the only industry that is making money....like terrorist do......

Posted by Anonymous on 2002-02-25:

I know lots of people who have had similar problems with this company. They are really good about charging fees for nothing and running up your account. get rid of them even if you have to get a Real bank to take it over.

Posted by Anonymous on 2003-03-28:

I work for Capital One in the collections department. You blew us off, you paid the price. Tough. Then you say "if capital one wants to keep me as a customer"... If they did, they wouldnt have sent you to a collection agency to garnish your wages. You're a loser, plain and simple. Next time pay your bills. Credit cards are a privilege, not a right. No one put a gun to your head to sign up for the card, and no one forced you to start charging. The member fee is $59.00 max, how much over the limit could you have possibly been? You blew it off.. so stop whining. Next time pay your bills!!!

Posted by cyberziz on 2003-09-02:

Capital One Collection Agent. What about those who have paid, in full and had out and out false information sent to the credit reporting agencies. How about a letter from YOUR company that states account paid in FULL, and one of you very special people stated "charged off, paid less them full amount". I wonder how you sleep at night?

Posted by Anonymous on 2003-09-30:

For the Capital One Collection Agent. Perhaps you can explain why your company once paid in full, committs FRAUD and Slander? I am a former customer who did pay you IN FULL, have a letter stating such, and yet one of your super customer service individuals sent "Charged off, not paid in full"? How about payments sent in and never credited to account? How about continued charges on cards that were requested to be closed? How about charges for discount services, card protection, etc. not requested? I really wonder how you can sleep at night knowing what you know about the company you work for. Also perhaps you can explain to the public about the number of corporate officers who were apparently resigned due to SEC violations? They say graft and corruption start at the top and filters down. Apparently so. Additionally, one would sincerely hope that you are never in a position to ever have any money issues, I am sure your faith in Capital One will be reward enough,

Posted by browneyedgalof67 on 2004-07-17:

Some years ago my husband had a capital one account also before they were bought out by First Resolution Investment Corp. He was behind on payments and they called and offered him a settlement of accounts. He took them up on their offer adn mailed them a money order of $600.00 and gave them a promise of another $600.00 the next month to settle in full. After which someone from capital one called and verified recieving payment adn confirmed that the other payment would be mailed. Within a week after the call someone from First Resolution Investment called wanting payment in full. When my husband explained the situation and the settlement agreement with Capital One the man said there was no record of this agreement or the payment. So at this point my husband said he wasnt sending them anything else until this was resolved. Two days later they filed for a judgement without any court notification for the full amount including the $600.00 that he had paid. His check was garnished for months and in June 2002 the debt was paid in full and reported to the courts as such. I found through his credit report that this debt was still being reported as unpaid in February, 2004. I went to the courts and got a copy of the Satisfaction of judgement and mailed to all 3 credit bureas. It was removed from his credit report promptly. Only to reappear in June 2004 worse than it was before. Now it was being reported by First Resolution Investment Corp. Dba/Capital One as being unpaid and in collections for twice the original amount owed. After 2 days phoning and many messages left the only person I got to talked to was a receptionist who I finally asked if she was the only one who actually worked there. After all this I was becoming increasingly disgusted and told the receptionist, who by the way was very polite, if someone did not return my call before the end of the day they would be hearing from my attorney this time around adn the little amount they collected would be nothing compared to what I would be asking for...Guess what? They returned my call within 30 minutes this time. Only to tell me of course it wasnt their mistake but someone at the credit bureas but they would fill out all the forms to have this corrected by the end of the day.....Beware do not enter into a settlement agreement with these people.....After they get you to pay a large amount up front they run to the court house and file for a judgement against you.....and worse yet you may not even get credit for the huge amount you already sent.

Posted by Starlord on 2007-05-22:

Their slogan is, "What's in your wallet?" The rest is never spoken, but in actuality is, "Give it to us, right now!"

Posted by rhar on 2009-01-17:

The problem with customers of Capital One are that they are highly ignorant and take very little responsibility. They're ignorant by not reading there terms and agreements before trying to dispute a charge. I understand fees may be high but you received 12 statements in a year which outline your terms and agreements and your welcome package which also outlines your terms and conditions. If your going to dispute something then don't agree to it in the first place. As a part of the terms customers willingly agree to they have to take the responsibility to make sure there is enough room for a membership fee or finance charges or anything automatic to post. Also a membership fee is an annually fee which is nothing new to an account however customers cant afford $59 every 12 months? How about you try to run a credit card business without fees, at the end of the day its not a charity, its a business. Any business has the goals to maximize profits. You complain that the fees are to high and people don't have jobs so they should cut fees, well then capital one would go down and Capital One employees would be jobless make the economic situation worse. C'mon think for 2 seconds before you open your mouths.

Posted by jktshff1 on 2009-01-17:

The problem with Capital One (like most of these companies) is that the bs they write in their statements takes a lawyer, accountant, and the government to decipher and understand just what the heck they are saying.