- Report: #99114
Complaint Review: Capital One - Glen Allen Virginia
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Capital One
11011 West Broad St Glen Allen, 23060 Virginia, U.S.A.
Phone:
800-846-9966
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Capital One ripoff Glen Allen Virginia
I got a Capital One card to get my credit started, big mistake! I decided to pay them off in full of $500 because that's what the woman told me I would owe if I decided to pay it in full.
She said interest charges would be deducted and that's all I would owe. So I sent in my payment in full, closed the account, and cut my Capital One card up that day and I didn't get another statement for a while
Then all of a sudden I start getting bills for over $1000 dollars and debt collectors are all over my butt wanting money for a bill I paid off.
I called Capital One and they said they never received it, so I mailed them my proof of payment. They were supposed to get in contact with me and never did because they have the most rude, robotic customer service reps ever, they don't give a s**t.
Then, I got a call from Arrow Credit Services, they work for Capital One by the way, saying that I need to pay my $1000 dollar bill, but they'll settle for somewhere around $600 dollars.
I'm upset and crying and don't know what to do when I call them asking for guidance. This guy says, "Why are you crying?" "We didn't do anything to you!", in a very rude tone.
I told him I sent in my payment, he says that they did receive it (surprise,surprise), but it was late and I know that it wasn't. Then he told me that my account had never been closed and that I had probably racked up over $1000 dollars in interest and late fees for a bill I already paid off.
You know what's worse, I paid this bill off on January 16, 2003 and I'm still trying to get this solved and no one will help me. I'm sitting here today on July 15, 2004 writing this.
In fact, I just got off the phone with several Capital One reps after getting transferred around and then getting back to the same place I started from.
They still won't help me, they just said I have to get all my statements dating back to January to see what went wrong and guess what, I have to pay $3.00 a piece for each statement! They won't even send them for free!
These people are probably making payments late on purpose just so they can charge late fee's galore. I'm turning 21 next month and trying to get my credit cleared because of Capital One. I'll have to take money out of my college fund to hire a lawyer now because there are a bunch of idiots running that place.
Kristen
MacArthur, West Virginia
U.S.A.
She said interest charges would be deducted and that's all I would owe. So I sent in my payment in full, closed the account, and cut my Capital One card up that day and I didn't get another statement for a while
Then all of a sudden I start getting bills for over $1000 dollars and debt collectors are all over my butt wanting money for a bill I paid off.
I called Capital One and they said they never received it, so I mailed them my proof of payment. They were supposed to get in contact with me and never did because they have the most rude, robotic customer service reps ever, they don't give a s**t.
Then, I got a call from Arrow Credit Services, they work for Capital One by the way, saying that I need to pay my $1000 dollar bill, but they'll settle for somewhere around $600 dollars.
I'm upset and crying and don't know what to do when I call them asking for guidance. This guy says, "Why are you crying?" "We didn't do anything to you!", in a very rude tone.
I told him I sent in my payment, he says that they did receive it (surprise,surprise), but it was late and I know that it wasn't. Then he told me that my account had never been closed and that I had probably racked up over $1000 dollars in interest and late fees for a bill I already paid off.
You know what's worse, I paid this bill off on January 16, 2003 and I'm still trying to get this solved and no one will help me. I'm sitting here today on July 15, 2004 writing this.
In fact, I just got off the phone with several Capital One reps after getting transferred around and then getting back to the same place I started from.
They still won't help me, they just said I have to get all my statements dating back to January to see what went wrong and guess what, I have to pay $3.00 a piece for each statement! They won't even send them for free!
These people are probably making payments late on purpose just so they can charge late fee's galore. I'm turning 21 next month and trying to get my credit cleared because of Capital One. I'll have to take money out of my college fund to hire a lawyer now because there are a bunch of idiots running that place.
Kristen
MacArthur, West Virginia
U.S.A.
1 Updates & Rebuttals
Adrienne
Baton Rouge,Louisiana,
U.S.A.
Some ideas on how to proceed
#2Consumer Suggestion
Fri, July 16, 2004
Hello Kristin, I am in a similiar credit situation ( probably a little worse actually:) I got three cards -500 limit a peice and just paid the last one off about 6 months ago. Almost immeadiatly after I did the first one I paid off ( in 2001) reappeared through a collection agent for a collection agent, saying that I still owe 700. I have moved two or three times since and lost the records of the pay off, and am currently trying to get the neccesary evidence. So, I have a couple of points from what I have gathered along the way. First off - You are to be commended for trying to get your credit in order. From what you said, you know the exact check # that was used to pay off the account. Call your bank and find out who cashed it and on what date exactly. Perhaps then you could call the credit card company and ask them to tell you on what date the payment became late and get them to fax you a document stating that date, and a late fee as the sole cause of the currently disputed balance( if it is.) Get the name and any other identifying info about everyone you talk to, what time you talked, and what was said. Don't cry. Don't yell. Be perfectly calm, and ask to speak to the supervisor of anyone who is not giving you the information you need, or if they are rude or threatening ( use their name when asking for their boss.) In theory there could be descrepancy that would work to your advantage, say they cashed the check a day before your bill was due. If that is the case, dont let them know that untill you have a very clear idea about what to do. If you feel that you are not going to get anywher with the credit card company ( which would be a very astute observation) try the credit reporting agencies. Call Equifax, and the other two big Credit reporting agencies, request a copy of your report ( you should do this atleast yearly anyway) to review your history and score. Then dispute the debt. Just write a very simple letter with as little information as possible - This debt was settled in 2001. thank you - They have 30 days to validate the debt, or they have to remove it, and it cant be put back on unless some proof is found. Go to a bookstore and find a book on beating debt, or something like that in the personal finance section, and get a more specific guidlines on how to proceed from here on out. Credit is nessecary, and you were right to be concerned about starting to build credit. But be careful- always pay on time, dont charge stupid things and only buy things that will be there when the statement arrives ( most of my debt was for cigarretes and diet coke at gas stations :) and most importantly- KEEP IMMACULATE RECORDS. One final thing- reconsider getting a lawyer- that would probably cost you more than the settlement amount, and, if you do just a little bit of research from some basic books, you can probably do everything they would with the same ( but cheaper) results. Good Luck! This will all work out. Adrienne in Baton Rouge
