Complaint Review: CapitalOne Credit Cards

The reason CapitalOne asks, Whats in your wallet? is so they know how much they can take from you.  After being charged a ridiculous 29.40% on my last bill I decided to take my good credit and business elsewhere.

I called in to get a final payoff, and paid off the card in full for that day per the agent's payoff amount (which specifically included all charges accrued through that date).  I had been offered $100 off my last bill if I paid as agreed, and was told to expect this money back in the form of a credit which I could then get back as a check once the account was closed.

Imagine my surprise when the next statement showed up showing that I owed another $88.93, plus showing that theyd given, but then taken away 3 days later my $100 credit.

I called the company for clarification and was told (by agent Angie, ID: PZN056) that there was an error and that I was due a check back.  She also felt I shouldnt have had the $100 rescinded incorrectly (since I had done what the bank requested, which was to pay off prior to a later date), and had promised to follow up with another department to try and get the credit re-instated.

Today, I called in to see the status on the check and was told by the first agent that it had been sent, he sent me to a second who told me it had been reduced to $11, and then he sent me to a manager who told me there was no check and that while he felt I was entitled to a refund it was simply too late since the account was now closed!

He asked that I write a letter to the company rehashing our call, and that then they might send me the refund that I was admittedly due.  ARE YOU KIDDING?!!