Capital One ripoff Your information had been hack Richmond Virginia
My old account number had sign up auto pay for Leasing comp. but I had cancel account and stop payment them by this account and make payment by mail each month (because don't want they take over what they want !)
But today the Leasing Com. find down my capital new account number and charge in there ????? what wrong ???
When I call capitalOne , you know what they say??
They can't do any thing ???? why ???
Better way I close account and file report here let some one known and stay away from them
Jimmy
New York, New York
U.S.A.
9 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Many banks do this! Here is what happened.
#10Consumer Suggestion
Sun, November 05, 2006
Jimmy,
Cancelling one card and re-opening another with the same bank will in most cases allow preauthorized debits to move from one to the next. AMEX is famous for this as are the big ones like Chase, CitiBank, Capital One, etc.
The only way to stop unauthorized charges is to totally cancel the card and NOT re-open one with the same bank for at least 2 billing periods. In that time all preauthorized charges will be cancelled.
Go to a different card issuer. No problem.
Steve
Bradenton,Florida,
U.S.A.
Many banks do this! Here is what happened.
#10Consumer Suggestion
Sun, November 05, 2006
Jimmy,
Cancelling one card and re-opening another with the same bank will in most cases allow preauthorized debits to move from one to the next. AMEX is famous for this as are the big ones like Chase, CitiBank, Capital One, etc.
The only way to stop unauthorized charges is to totally cancel the card and NOT re-open one with the same bank for at least 2 billing periods. In that time all preauthorized charges will be cancelled.
Go to a different card issuer. No problem.
Steve
Bradenton,Florida,
U.S.A.
Many banks do this! Here is what happened.
#10Consumer Suggestion
Sun, November 05, 2006
Jimmy,
Cancelling one card and re-opening another with the same bank will in most cases allow preauthorized debits to move from one to the next. AMEX is famous for this as are the big ones like Chase, CitiBank, Capital One, etc.
The only way to stop unauthorized charges is to totally cancel the card and NOT re-open one with the same bank for at least 2 billing periods. In that time all preauthorized charges will be cancelled.
Go to a different card issuer. No problem.
Jimmy
New York,New York,
U.S.A.
Capital One Investigation IS FUNNY JOB
#10Author of original report
Sat, November 04, 2006
Dear: Capital One Investigation .
Re : 480213249*******
Merchant : Lease Finance group
I had review and investigation information about disputed a charge on my credit card on 6/26/06
And have some thing to tell you
1. I did not make any authorize anyone else to make this charge on my account.
2. The security code is wrong in both copies: 716 and N ???. and you know what number on my card ?
3. The Expiration date is wrong in both copy 10/05 and 10/06 and you know what date on my card ?
4. My card is not same of them. (Security code and Expired.) That Funny !
5. If is a Recurring monthly payment ? Begin 4-26-05 ? Why these begin on 6/26/06 ? No thing charge on Jan-2006 until May-2006 ? Funny too!
6. And copy shows 4/18/05 ?
7. Nothing charge before 6/26/06 until 1/26/06 ? Very funny too!
8. Did you see my sign on any copy you get ? That is very much funny !
9. Is merchant has provided proof that the charge is valid ?
10. And you have RE-BILLED my account for that amount?
All information is not valid . Did you see that ?
Why you can make is work ? When all information is wrong?
Why they knew my account number ?
What about Investigation ?
Can I Trust you any more ?
Sal
Spring Valley,California,
U.S.A.
File a Complaint with your Attorney General's Office Website
#10Consumer Suggestion
Sat, August 05, 2006
Your Chargeback Rights!!
Be aware that many customer service representatives are not familiar with claims and defenses.
Some representatives have denied valid claims and defenses which otherwise meet all of the requirements on grounds that the letter was not received within 60 days, or that the merchant has filed for bankruptcy, or that the merchant bank refuses to pay back the card issuing bank because the time limits regulating dealings between the banks under Visa or MasterCard regulations have expired. None of these are proper or legal grounds for denying a valid claim for a chargeback under your "claims and defenses" rights.
If you are writing your letter to the bank more than 60 days after the charge you are disputing first showed up on your credit card bill, you may want to clearly explain that you are asserting your "claims and defenses" rights under state and federal law, which, unlike "billing error" rights, are not limited to being asserted within the 60 day time frame.
In the event your bank denies your request and you believe that you have satisfied all of the required conditions, you can file or make a complaint with the Attorney General's Office Website.
Sal
Spring Valley,California,
U.S.A.
Capital One exploits data mining for direct marketing, among other activities.
#10Consumer Suggestion
Fri, August 04, 2006
The reason Capital One will use is that the authorization attaches to the account holder and not the account itself. They will claim that you need to cancel the authorization with the company.
The truth is that Capital One uses the Credit Card business as a front for their real intended purpose which is to sell and market your personal information with their advanced data mining techniques.
Here's verification of what I am referring too.
"Data mining companies will need to form partnerships and team up with firms that can provide the expertise and information they lack. On the other hand, an interesting example of what is happening is the company, Capitol One," said Montgomery.
A Falls Church, Va., holding company, Capital One Financial Corp. owns Capital One Bank, one of the major issuers of MasterCard and Visa credit cards in the country. Yet the description on its Web page profiling the company sounds very much like a firm exploiting the potential of data warehousing and data mining for direct marketing, among other activities.
Thus, "Capital One has grown dramatically due to the success of its proprietary information-based strategy, which combines advances in information technology and sophisticated analytical techniques to identify, manage and take advantage of business opportunities."
Montgomery's point is that here is a company ostensibly in the credit card business that sees itself as an information technology company, using data mining techniques for marketing. He feels this may be a more familiar scenario in the future.
They are a bunch of crooks, so your best bet is to try to go over their head directly with Visa.
Jimmy
New York,New York,
U.S.A.
Why they Know my New Capital Account Number
#10Author of original report
Fri, August 04, 2006
My Question is Why they know my new capital account number ????
They are a company for leasing????? why they can find my account number when I don't want pay them by credit card or automatic payment each month ??? Why they know ????
and Capitol One can not take is back ??? Why ??? I'm not authorized for them to do it ???
Jimmy
New York,New York,
U.S.A.
Why they Know my New Capital Account Number
#10Author of original report
Fri, August 04, 2006
My Question is Why they know my new capital account number ????
They are a company for leasing????? why they can find my account number when I don't want pay them by credit card or automatic payment each month ??? Why they know ????
and Capitol One can not take is back ??? Why ??? I'm not authorized for them to do it ???
Sal
Spring Valley,California,
U.S.A.
VISA'S Zero Liability has you covered
#10Consumer Suggestion
Fri, August 04, 2006
You have protection for this kind of problem directly from VISA. You can call them at (800) 847-2911
It's simple. Shop online and off with absolutely no risk
Use your Visa card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. With Visa's Zero Liability policy*, your liability for unauthorized transactions is $0you pay nothing.
Zero Liability has you covered
Worry-free shopping
Ultimate security
Complete fraud protection
Owe nothing on fraudulent transactions
Visa's Zero Liability policy means 100 percent protection for you. Visa's enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system. Should someone steal your card number while you're shopping, online or off, you pay nothing for their fraudulent activity.
If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.**
Visa's Zero Liability policy took effect April 4, 2000, and is a great improvement on the previous policy. The former policy required that you report fraudulent activity within two business days of discovery. After this two-day period, you could be held responsible for up to $50 of the unauthorized charges. With the new Zero Liability policy, you're no longer required to report fraudulent activity within two days and you're not responsible for any fraudulent transactions made over the Visa network.
The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa networkonline or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.
For transactions on other networks, the liability decision is left to the financial institution that issued your card. The issuer has the option of extending the same protections afforded by Visa's Zero Liability policy.
Get quick provisional credit for fraud losses
Visa's cardholder protection policy requires all financial institutions issuing Visa products to extend provisional credit for losses from unauthorized card use within five business days of notification of the loss. However, many major financial institutions affiliated with Visa will issue provisional credit even earlierwithin 24 to 48 hours after the loss is reported.
SBD