- Report: #647171
Complaint Review: capital one - salt lake city Utah
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capital one
salt lake city, Utah, United States of America
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capitalone.com
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capital one refuse to close account, overbilling, harassment over phone salt lake city, Utah
I tried to close two accounts with Capital One. The first method was over the phone. After repeated phone calls I finally reached someone who could help me. After much haggling and arguing I managed to close the first account, refusing to pay any further 'intest' fees (I had a zero balance and it had been closed by Capital One for non-usage). When I told the rep I wanted to close the second account the rep said he had no record of it - lie number one. When I got the next bill for the second account I enclosed the payment stub as always, a check with the full amount owed and a note stating I wanted to close the account. Unsurprisingly I received a statement shortly afterward containing the note stating that they were unable to close the account because the full account number was not listed on the payment stub. For whatever stupid reason it NEVER HAS BEEN LISTED FULLY on the payment stub but that has never stopped them from processing the payment before. They also didn't return the check nor did they deposit it - it magically disappeared. I know they didn't want to close the account so they could continue to gouge me for interest payments (I managed to close several other accounts after the same hassles - it's a corporate policy with these usurious parasites).
So for the last three months they have been sending me statements with increasing interested charges and late fees.
They have also started calling me 3 or 4 times a day. I have ignored their phone calls for the most part. I have ignored their bills. I am going to file a complaint with the Texas Dept. of Consumer Affairs, charge them for my time and postage and demand that they deposit the original check, minus the outrageous fees, and take that as the FINAL payment.
If they refuse to do this they can turn it over to collections. I won't pay them either. I don't care about my credit report, it will absorb this and still remain good.
You have to fight all credit card companies tooth and nail to get them off of your back. I hope they all go out of business during this recession because a large part of it is due to their greed and obviously flawed 'business model'. God help us all!
So for the last three months they have been sending me statements with increasing interested charges and late fees.
They have also started calling me 3 or 4 times a day. I have ignored their phone calls for the most part. I have ignored their bills. I am going to file a complaint with the Texas Dept. of Consumer Affairs, charge them for my time and postage and demand that they deposit the original check, minus the outrageous fees, and take that as the FINAL payment.
If they refuse to do this they can turn it over to collections. I won't pay them either. I don't care about my credit report, it will absorb this and still remain good.
You have to fight all credit card companies tooth and nail to get them off of your back. I hope they all go out of business during this recession because a large part of it is due to their greed and obviously flawed 'business model'. God help us all!
3 Updates & Rebuttals
Cos
fife,Europe,
United Kingdom
Are you for real?
#2General Comment
Mon, October 18, 2010
Sorry, but seems like hogwash to me.
Joe
Austin,Texas,
U.S.A.
THIS HAPPENED TO A RELATIVE OF MINE AT A MUCH SMALLR BANK
#3Consumer Comment
Mon, October 04, 2010
HER HUSBAND FILED FOR DIVORCE AND HAD TAKEN OUT ALL THE MONEY IN THEIR BANKING ACCOUNT AND SHE WAS WORRIED ABOUT THE MONTHLY SERVICE FEES THAT THE BANK WAS CHARGING HER BECAUSE THE ACCOUNT WAS NOT AT THE MINIMUM BALANCE.
SHE HAD NO MONEY AND WAS AFRAID THAT THEY WOULD PUT HER IN JAIL IF SHE COULD NOT PAY THE MONTHLY SERVICE FEE.
SHE WANTED THE ACCOUNT CLOSED AND HER NAME TAKEN OFF OF IT BECAUSE SHE HAD NOT EVER HAD ACCESS TO IT ,DID NOT EVEN KNOW ABOUT IT UNTIL SHE WAS NOTIFIED BY THE BANK.
THAT IS WHEN SHE FOUND OUT IT HAD BEEN A JOINT ACCOUNT AND HAD UNPAID SERVICE FEES AND NO MONEY IN IT.
I TOLD HER NOT TO PAY ANYTHING OR DO ANYTHING AND THE BANK WOULD REALIZE HOW STUPID IT WAS TO CHARGE ITSELF MONEY FOR MAINTAINING AN EMPTY ACCOUNT AND SO THEY WOULD CLOSE IT. AND THEY DID.
SHE PAID NOTHING.
IF I HAD BEEN YOU, I WOULD HAVE NEVER HAD THE BANK ACCOUNT TO START WITH BUT IT MIGHT HAVE MADE BETTER SENSE IF YOU TOOK OUT ALL THE MONEY AND LET THEM CLOSE IT.
WITH ALL OF THE FINANCIAL CHICANERY, STEALING AND DISHONESTY GOING ON NOW, YOU CAN'T TRUST ANY FINANCIAL INSTITUTION.
I PAY MY 1 PERCENT OF THE AMOUNT I CASH MY CHECKS FOR, I GET MY MONEY ORDERS AND I CAN PAY MY UTILITY BILLS AT MY CHECK CASHING PLACE. PLUS THE PEOPLE ARE VERY FRIENDLY TO ME AND EFFICIENT.
I DON'T LIKE THE WAY I AM TREATED IN BANKS, LIKE I AM SCUM OR SOMETHING. AND THIS WAS BACK IN THE 1980s WHEN I HAD $3,000 IN CASH IN MY POCKET BECAUSE I DIDN'T TRUST BANKS AND WASN'T SURE I WANTED TO PUT MY MONEY IN THEM --- AND THEN ALL THE BANKS STARTED FAILING.
IT COULD BE THAT YOUR CHECK WAS HUNG UP IN THE ATM MACHINE IF YOU PUT IT IN ONE OF THEM. THESE MALFUNCTION A LOT.
HAVE YOU CHECKED WITH THE PERSON WHO ISSUED YOU THE CHECK TO SEE IF THEY HAVE RECORD OF PAYMENT BEING MADE?
BANKS ARE NO GOOD FOR ME. PERIOD.
Bman
Philadelphia,Pennsylvania,
United States of America
The Banks Do Not Get It....
#4Consumer Comment
Mon, October 04, 2010
Please consider writing a detailed report and then send it along to this agency:
http://www.ftc.gov/reports/index.htm
