Capital One Complaint - Double Dipping
CHARLOTTE, NORTH CAROLINA -- My wife got behind on a credit card bill with Capital One, but agreed to pay it through a collection agency (United Recovery Systems). We have been paying this bill for the past seven months now and all of a sudden, I receive a bill from Capital One requesting payment also.
After speaking with a supervisor for Capital One, she stated that due to President Obama, they are required to send a quarterly statement and that is what it was, a quarterly statement and not a bill. The problem with her statement is that, a quarterly statement would not come with a detachable payment sheet, payment instructions, and an envelope to mail this mythical statement (payment) in with. On top of that, it is the first one that I received in the past seven months of making payments. They were also charging me interest, which United Recovery Systems stated at the beginning that they would forgo once I started making payments to them on behalf of Capital One. Now I am told that they (United Recovery Systems) forgot, missed, or just plain didn't do it, but United Recovery Systems stated that they would stop the interest as of right now and try to back date it with no guarantee that they could, even though that was our original agreement in the beginning.
I contacted the Kentucky Attorney Generals office of Consumer Protection and informed them of this and was told to send a complaint with all documentation attached. An employee of that office, informed my husband that they are very interested in this due to the fact others in the same situation may mistakenly send in payments and therefore be making double payments. She also told him that once a collections agency gets involved, that it is illegal and a company can not bill a customer period.
I feel that this is something that needs to be told to the general public, so that no one is duped into making a duplicate payment. I attempted to get an email from Capital One to send a copy of this, but they refused to give one and stated that they only do correspondence through mail or fax, so I sent this to their abuse department, after all I guess you could call this abuse to the nth degree.
More Reviews on Capital One: