- Report: #15179
Complaint Review: Capital One - Seattle Wash
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Author Not Confirmed
Why?
Capital One
PO Box 60000 Seattle, 98190-6000 Wash, U.S.A.
Phone:
800-903-3637
Web:
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unauthorized credit card account
On 20 Dec 01, I was contacted by Capital One and offered a credit card. I listened to their sales pitch and at the point where they finally tell you there is a yearly fee I stated that I DID NOT want the card due to the fee. The person was not happy but I assumed they deleted the information. I now am being billed for this new credit card. I have written a letter to Capital One informing them I never wanted this nor do I appreciate being billed or having a credit check done on me without my permission. I am also sending a complaint to the better business bureau and State Attorney General's office. Wonder if there are other victims out there? I did call the customer #, but was only able to speak to a live person once, she said that the people that sell are telemarketers that are contracted out and Capital One is not responsible for their actions. This person also said she would close my account and did not. This happended in Jan when I received the first statement.
1 Updates & Rebuttals
Robin
Fair Oaks,California,
Capitol One gave wrong information re: contracted services
#2Consumer Comment
Sat, March 16, 2002
The Capital One Customer Service Representative that you spoke with may have given you wrong information when she claimed that Capitol One bears no responsibility for the actions of their subcontractors. My knowledge of business and contract law is rather limited, but here is my interpretation of this situation: when Capitol One contracted the services of the telemarketing agency they authorized the telemarketing company to act as their agent, in effect giving the telemarketing company limited authority to act on behalf of Capitol One. Since the telemarketing company was acting on behalf of Capitol One when they opened a credit card account in your name, Capitol One bears as much responsibility for this act as the telemarketing company does. Please remember that the codes and statutes governing business practices differ from state to state. I suggest that you research the subject not only in your resident state, but also in the state where Capitol One has its Administrative offices. Good luck.
