Capital One Credit Card Complaint - Closing an Account with Capital One Credit Card
ANNAPOLIS, MARYLAND -- I closed my account with Capital One in November 07 and thought it was off the books. I destroyed my card and all balances had been paid. Evidently "closing" to Capital One means "inactive." The short story is anyone could use my card number to put charges on a "closed" account since Capital One does not verify information to reactivate a closed account.
Somehow my "closed" account was charged to pay my Verizon phone bill. I pay my phone bill online at Verizon. After speaking to Verizon the only way this could have happened was to unknowlingly select debit payment instead of a payment from my checking account. But how did my account information to charge the card get put into Verizon bill payment process. I entered no card information and have only my checking account designated to pay my phone bill. Secondly I hate these people so much I would never use Capital One again. And further more why pay an annual fee when most cards do not charge one. Why is Capital One so special except in regards to being the sneakiest company doing card business. My daughter actually got a piece of paper saying they had closed her account. Is her account really closed or just inactive? I guess I will go ask for a piece of paper saying closed but does that mean anything? WARNING: DO NOT OPEN AN ACCOUNT WITH THIS COMPANY.
Do all credit card companies place accounts on an inactive status when we think it is closed and cannot be opened again especially without proper authorization? Closed should be final not just inactive.