D
-,#2Consumer Comment
Wed, April 26, 2006
Ok. Let's all get 'em back. Let's all pay off our credit cards, and cancel them. If we all do this, these credit card companies will die. We can all sit around and giggle our butts off as they drop, one by one. Let's all kill the credit card companies by not using their credit cards. Also, instead of making a car payment to a bank or loan shark, take that "car payment" and put it in savings. Example, $300 a month over 60 months is $18k. Then go out and by a late model used car. You can usually find a good deal on one for 15k. While driving and caring for this one, keep putting away money for the next car. You will have much better leverage as you are paying cash. YOU are in the drivers seat, so to speak. Negotiate to YOUR advantage, not theirs. I tell you what, it's the end of credit cards and bank loans for me. Doing things this way means keeping the car you have and nursing it along until you save up enough money, or at worst, buy small old cars for $1k a pop and drive them until they go t**s up, and then junk them and buy another $1k car, and keep this up until you have enough cash to buy a good one. Imagine the joy-gasm you'll have by walking into a dealer with a giant wad of cash and actually being in charge of things. Anyone with me on this? Let's get rid of the "I gotta have it now!!" attitude and do it old fashioned way. The way our fathers and grandfathers did things. Live with our means and save our money.
Duane
Monroe,#3Consumer Suggestion
Wed, April 26, 2006
You seem to rant and rave and say things that are twisted in actual fact. Like for example, you called two people who responded to your original rant as anonymous. I see where we both have our name on our post. You continue to want to blame somebody at Capital One for your problems. The actual problem is you. Obviously you cannot follow the simple policy of the credit card company. The majority of your rant is about not being able to get a street address for Capital One. Like the other poster pointed out, street addresses are not normally given out; in part to prevent nutcases from harassing the employees. I previously posted information on where you could mail your payments, and the fact that you could make your payments online. You went on to continue your rant in an additional post. You can find the corporate address for Capital One online very easily. I did it with little effort. By law, there is certain information that is required to be available. A street address is one of those. If you actually had an attorney and a legal issue, your attorney would be able to find that same information easily. Do you realize how goofy your original post was where you accused the post office of being an accomplice? The electric meter-reader probably has his hand in it to, huh? And I bet it's all being directed by the phone company to create situations where people have to use the phone more...... The point is you mis-trust the post office (as well as Capital One; and I bet you have a long list of others.) You do have options to make payments otherwise. Do it online like I stated earlier. Oh yeah, you mis-trust that too. OK then, use the phone and make your payment by phone - it gets posted to your account the same day! Additionally, if you are tired of getting ads from the credit cards, you can opt out of getting them. You can do this by phone or by mail (oh no....back to them again!) Here is some areas where you can opt out: Calling 1-888-5-OPTOUT (1-888-567-8688) to have your name removed from direct marketing lists. You can also opt out online at OptOutPreScreen.com, which is the official consumer credit reporting industry opt-out website. Contacting the individual credit bureaus to opt out Equifax Opt Out at: Equifax Inc PO Box 740123 Atlanta, GA 30374-0123 TransUnion Opt Out at: TransUnion LLC Name Removal Option PO Box 97328 Jackson, MS 39288 Experian Opt Out at: Experian 901 West Bond Lincoln, NE 68521 Attn: Consumer Services Department Writing directly to the Direct Marketing Association at either/or both addresses to opt out of pre-approved offer. Include all pertinent information, including your full name, current address, and home telephone number. Direct Marketing Association Mail Preference Service PO Box 1559 Carmel, NY 10512 Direct Marketing Association Telephone Preference Service PO Box 1559 Carmel, NY 10512
Kenneth
Las Vegas,#4Author of original report
Wed, April 26, 2006
Anonymous states that he does not believe any corporation would take the time to look for payments to hold and asks if it makes any sense. Clearly it makes billions of dollars worth of sense and he should look at the profit figures for all such corporations. This is and has become one of their largest single sources of revenues. Making payments on the internet is fine if you do your banking on theewspapers have reported large dumps of peoples banking information stolen via the internet and identiy theft if very high using this source. Making payments via other options such as Fed Ex or phone payments is expensive and there is no reason in the world that any SANE person would add such costs to paying a bill with credit card companies when no other type of company requires such increased costs. Fools and their money are soon parted and clearly there are foolish people who want to throw away money by adding to their payment a fee ranging from $5.00 to $30.00 for special mailing services from postal services or other institutions. The plain fact is that people should be able to feel confident that they can mail their payment to credit card companies and have that payment logged and credited to their account in a timely manner. The reasons a person might wish to know the street address of a large corporation is to contact the President or board of directors to advise of problems encountered at lower levels or to suggest policy changes or to file a law suit or to subpoena records or a hundred other reasons. Not everyone is looking to do violence to some low level telephone person and the suggestion is juvinile only showing a level of thought that is immature, irrational and emotional. The fact that this corporation has been sued for the activities I allege by the State of West Virginia and numerous other responsible authorities as well as individuals (this information is available on the web) show that the concern is valid and real.The fact that Capital One refused to honor a subpoena for records that were detrimental to them and were ordered by the court to honor the subpoena shows this corporation to be hostile to the law and trying to hide things. Before comments are made embarrassing the writers further, I suggest they wait to hear the verdict in the law suits which I believe will prove my point and vindicate my allegations. That someone was able to find a some street address of a branch that has nothing to do with my account or card is simply immaterial. The other address provided is a post office box. Read my original report. It clearly says the post office boxes are all they will give and all they put on statements. If an employee of Capital One makes false and misleading statements, one needs to have the physical address of that place in or to serve them with process in any litigation. Consumers injured by someone who has lied and or made threats to that customer has the right to redress through the courts and the right to sue and press charges. In short, only the extremely uninformed would question this and any such person has no understanding of the legal sytem or the law. It is offensive to think they can do things anonymously and hide from ever having to face the consequences of their wrongful and tortious behavior in court. No one should have to deal with a company on the internet becaue if you do not and use the mail, that corporation will commit mail fraud. That suggestion is obscene and offensive. They send you a credit card by mail. Your application is made by mail. Your statement arrives by mail. One should be able to pay by mail and not have your payment held back so that they can charge you excessive fees which are a billion dollar source of income for them. It is just that simple. Knowing the exact pysical address of the head office and the names of the corporate officers and the duties of each officer is a fundamental right of consumers and duty of corporate offices to make available to anyone who requests it. Priority mail, by the post offices own published signage states that it normally takes 2 to 3 days but they will tell anyone who asks that there is no guarantee of that delivery time. I have used them and even had tracking and it took over a week to go from Nevada to California. If you want guaranteed overnite delivery it costs as much as $29 and change. If your credit card bill is $11 dollars it makes little sense to pay this huge charge. It makes little sense to use a credit card that would punish you this way. For all people who suggest using these expensive ways to pay a credit card bill each month, this is impractical and insane. There are multiple ways to pay. No person ever said anything different. What people are saying is that it is expensive and costly and dangerous if using the internet. No person should have to open up internet bank accounts just to pay a deviant and unlawful corporation. Even a simple person can understand this premise. Look at the sheer number of people who have this complaint. It is astronomical. That tell the real tale. Saying that one does not think this happens is so very much like those who think that no one landed on the moon and that they think the world is flat. In America you are entitled to think what you will but it is not factual. We who have this complaint have documents, records, phone conversations and witnesses to back up what we say. It is NOT just an opinion. I thank the anonymous persons who responded to this report. If they are employees of Capital One or have family in their employ I hope you have a nice day.
Jennifer
Richmond,#5UPDATE EX-employee responds
Wed, April 26, 2006
It always makes me laugh when I see people say that their credit card companies (Capital One or otherwise) "hold" or "sit on" their payments just long enough until they are late. Given the millions of accounts that companies like Capital One have, and the thousands of payments that must be processed each day, do you REALLY think that they have the time to pull out individual payments received, check the account's payment due date, then put the payment aside in order to process it another time so it posts late? Do you see how preposterous this scenario sounds?? You have the internet; you have seen Capital One's website. And yet you don't make free online payments. You have a phone; you have called Capital One multiple times to complain. And yet you don't make phone payments (which aren't free but are at least an option). There are several ways you can make payments, and you have obviously been dissatisfied with one of them (via mail), so why not try another method that might work better for you?? As for not giving out street addresses to the corporate offices, why would you need them? Are you planning on sending your payments there? That's a terrible idea -- that would just delay your payments even more! Corporate doesn't receive or handle payments; the payment processing centers do. Just because it is the same company doesn't mean every office handles the same operations. Apples and oranges. The policy not to give out physical addresses also has to do with safety. There are callers who are sometimes so pissed off that they want to come to the call center and "talk" to the phone rep face-to-face. I know this because I have heard calls where this has happened. Bottom line is, no matter how angry someone is about their credit card situation, threatening an employee is obviously something that is to be avoided. If you want to get through to a human being, try calling the main customer service line (800-955-7070) and pressing "00" at each prompt. That should work, no guarantees. Ultimately you must remember that there is more than one way to pay your credit card bill. I honestly don't know why you would go to all the effort and expense to pay via return receipt when all you have to do is pay online for free. But, that's just me.
Duane
Monroe,#6Consumer Suggestion
Tue, April 25, 2006
I have dealt with Capital One for several years and have never had a problem. You can access your account online. You can make your payments online. They will post the SAME day you make the payment. Additionally, they have every address they use listed in plain Enlish on their website. You state that you can access their website. Do you know how touse the internet? I found this list of numbers in two clicks from their website. Here are two of thos addresses that people might find useful: US Standard Mail and 2 day Priority Mail: Capital One PO Box 60024 City of Industry, CA 91716-0024 US Overnight Mail: Capital One Attn: Payment Processing 4349 Woodson Road Suite 100 St Louis, MO 63134
Duane
Monroe,#7Consumer Suggestion
Tue, April 25, 2006
I have dealt with Capital One for several years and have never had a problem. You can access your account online. You can make your payments online. They will post the SAME day you make the payment. Additionally, they have every address they use listed in plain Enlish on their website. You state that you can access their website. Do you know how touse the internet? I found this list of numbers in two clicks from their website. Here are two of thos addresses that people might find useful: US Standard Mail and 2 day Priority Mail: Capital One PO Box 60024 City of Industry, CA 91716-0024 US Overnight Mail: Capital One Attn: Payment Processing 4349 Woodson Road Suite 100 St Louis, MO 63134
Duane
Monroe,#8Consumer Suggestion
Tue, April 25, 2006
I have dealt with Capital One for several years and have never had a problem. You can access your account online. You can make your payments online. They will post the SAME day you make the payment. Additionally, they have every address they use listed in plain Enlish on their website. You state that you can access their website. Do you know how touse the internet? I found this list of numbers in two clicks from their website. Here are two of thos addresses that people might find useful: US Standard Mail and 2 day Priority Mail: Capital One PO Box 60024 City of Industry, CA 91716-0024 US Overnight Mail: Capital One Attn: Payment Processing 4349 Woodson Road Suite 100 St Louis, MO 63134
Duane
Monroe,#9Consumer Suggestion
Tue, April 25, 2006
I have dealt with Capital One for several years and have never had a problem. You can access your account online. You can make your payments online. They will post the SAME day you make the payment. Additionally, they have every address they use listed in plain Enlish on their website. You state that you can access their website. Do you know how touse the internet? I found this list of numbers in two clicks from their website. Here are two of thos addresses that people might find useful: US Standard Mail and 2 day Priority Mail: Capital One PO Box 60024 City of Industry, CA 91716-0024 US Overnight Mail: Capital One Attn: Payment Processing 4349 Woodson Road Suite 100 St Louis, MO 63134