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12/29/2003 10:10:10 PM /MessageType: Complaint /HowDoFind: Web Site search
engine/FoundFrom:
CapitalOne
dadtabase/ Timothy H*/ red*@hotmail.com/ 414*******/
Sucking overlimit fees...hidden fees and god knows what else they did |
|
12/27/2003 1:18:20 PM / Marcie G* / vision*@netscape.net / 707.***-**** /
I have been charged late charges frequently and have not been able to
understand how they are continually incurred, especially in light of
mailing payments with enough mail time for them to be received. I have
questioned this with
CapitalOne
on several occasions. |
|
12/19/2003 8:00:25 AM / MessageType: Complaint /HowDoFind: Referred / mike
/ pun*@msn.com / 540-***-**** /
how do I get $$$
from them? |
|
12/16/2003 6:41:37 PM / Linda J N* / I received
application for
CapitalOne platinum card. In same
envelope were applications for 2 of my neighbors. Did they receive
my application in their envelopes. After this breech
of security I would never apply for anything from
CapitalOne.
I did not know who else to complain to. I can't find a phone number for
there offices. |
|
12/15/2003 11:15:39 PM / robert l w* / bez*@ yahoo.com / (504) ***-**** /
I had explain to them about my husband being disable. I paid them out now
they are coming back on me saying I owe $932.00, which I paid to fncb,inc. |
|
12/15/2003 9:10:03 PM /MessageType: Complaint /HowDoFind: Friends told /
Jeff M* / jeffm*@charter.net / 612******* / I had an
account in good standing that included Payment Protection. I knew that I
had it, paid for it on a monthly basis, and was glad to do so. I then was
downsized and the trouble started. I sent in several requests to get the
Payment Protection process rolling, actually I sent in three written
requests, and had several phone calls and conference calls to
try to find out why they never seemed to receive my applications. At the
time I was downsized, I had a balance of approx $1500. After a year
of trying to get them to pay on their commitments, and all along paying
the Payment Protection,
I decided I was throwing good money after bad, and stopped paying.
Of course their only reaction was to send me to a collections agent who
tells me that my balance is now $3,000. I haven't
seen a statement in a long time, isn't this a violation? I would love to
know what is the best way of getting this resolved. |
|
12/15/2003 7:47:56 AM / MessageType: Complaint /HowDoFind: (Other) /FoundFrom:
came upon it trying to pay bill online/ / Desiree R* / rac*@hotmail.com /
757 *******/ I got the pre approved notice in the
mail, and decided to apply online for kicks since my credit was ruined by
a ex husband in
our divorce, I was shocked when it said you are approved for a $200 limit,
and then when I got the card it was a $300 limit. I was told to get a
credit card and spend $300 on it and pay the minimum on it to show good
payment history, so I did, I spent all but about $30 to $40 dollars,
then I got my bill and saw that they had charged my card after my I
charged on it a $fee of like $50 or so, it's like they waited till I got
way up there to charge my card that so I would be over the limit, now I
have a over the limit fee. All I want is a credit card to help get my
credit back to good standing. My credit can't afford these problems cards
like this one. I am very worried about this, and would like to know what I
can do to avoid any problems with them, I opened the card up about 2
months ago. |
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12/15/2003 11:56:04 AM / William K* / ki*@ adelphia.net / 716-******* /
CapitalOne
Bank is
embarking on a highly illegal practice to go after old accounts and to
defeat consumer protection act and stale debt laws.
This could be a
class action suit. I have proof, will supply to right person. W. K* VP
OF finance company. |
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12/13/2003 2:29:14 AM / chris c* / ccol*@aol.com / I
get over limit fees every month, I get
late pmt fees at least every few months. now without
even telling me , they are charging me 29% interest rate per month.
I use my card for business and send them pmts of at least $500 per mo,
mostly $1,000 . u would think I'm a valued customer. but it seems they are
more interested in raping me. yes, I want to join.
|
|
Victims: get a photocopy of your check payment from
your bank to prove that the Vampires had post your payment late on
purpose to create more late and over limit fees!
Take the Vampire to the
Small Claims Court
for
the bank fails to post payments timely, and
designates non-business days as payment due dates (i.e., Sundays and
holidays), but does not receive payments on non-business days;
for
unfairly and unlawfully imposed and collected monthly fees
for
"fee-based" services which cardholders did not request or authorize,
and/or prior to the end of the so-called "free trial period" for the
product or service; for the unauthorized activation of these fee-based
services may also trigger interest, late fees and over-limit fees and
other charges as a result; for violations of
the Truth-in-Lending Act (which requires certain disclosures) for
cardholders who were enrolled in certain fee-based products (Payment
Protection and/or Account Balance Coverage) at the time they opened their
accounts; for
excessive late fees to difficulties in reaching a zero balance
(and thus
being able to close an account) to problems with
the
bank reporting
them to credit agencies. Remember u only allowed to sue them with in a
year or so. It'll cost u $22 or so for each case filing.
Please let
us know how u win or lose the case so the next viewer will learn how to
beat these blood sucking bats! If every consumer would take renegades like this to
Small Claims
Court, this kind of vampirism would soon fade away.
9 times out of 10 they will not show up due to
the cost to have someone in court. The max u can sue is $5,000. But if u r
asking more than the attorney fees (usually it's around $3,000 to $5,000)
they may pay their attorney to show up and fight u back. |
|
12/9/2003 2:32:16 PM / Joel K* / jk*@realtyusa.com / 518-***-**** /
I tried to use my accumulated miles to actually book a flight. The flight
I wanted was not available, according to the agent, although there were
plenty of seats showing as available on the airline's web site, and I was
following all of the other
MilesOne
award rules. I was told
there was a different flight available at a time that really didn't fit
for me very well, and it was going to require that I pay $200 out of my
pocket and use my accumulated mileage. I did not book, deciding to look
for alternatives. A few hours later I called back to book the flight. I
was then told that the only flight available would cost $700 in addition
to my mileage. The 30,000 miles I have is supposed to cover tickets that
cost up to $500. The cost of the flight I wanted (according to the
airline's own website) was under $500, but
I'm told by the
MilesOne
agent that the only flight available is
$1,200? This is NOT what I signed up for. |
|
12/5/2003 10:10:21 PM / Anbree P* / Apre*@cs.com / 601-***-**** /
My complaint is the same as those that I have read in the introduction.
Thanks Anbree P* |
|
12/5/2003 12:44:15 PM / Gerald M* / gerald*@cogeco.ca / 519-***-**** /
I live in Windsor, Ontario CA
and 2 years ago I got this pre-approved form in
the mail for
CapitalOne
tell me that if I sent them 75.00 to 200.00 that I could have a
credit card that could help build up my so called bad credit rating and
after 6 months I could request to raise the limit if the account has had
no late payments or any defaults on it, Well my min
payment each month is 10.00 but have been paying 20.00 and higher, a
couple of times paid in full. Now 2 years later I still haven't
received any limit raises and every time I call in 6 month apart they tell
me that I have to wait for them to assess my usage and how payments have
been made, Well like I said payments are always made
through telephone banking 1 to 2 weeks early so what's up. I'm almost
ready to cancel the card because as far as I can see my credit
rating is most likely still the same and
their get 26% of my 200.00 where I could take that
200.00 and put it in the bank and get paid 5 or 6 % on that money also I
could buy something with that 200.00 and pay back my bank account not
worry about loosing money to someone who is making 100s of dollars
from my money. One more call and if I don't get a
limit raise good bye card, don't need the credit that bad. |
|
12/3/2003 2:05:06 PM /MessageType: Complaint /HowDoFind: Web Site search
engine /FoundFrom: Pulled up website / Marcia M* / ktz*@earthlink.net /
909.***-****/ I became unemployed in August. I have
credit protection. I mailed
CapitalOne
all documentation to open a claim to the statement
address. They apparently threw the corresponce away, never bothered to
call and continued to bill my account. When I call to find out why
the credit protection was not being applied they
told me that was not the correspondence address. They did not bother to
forward it to the correct department or give me a phone call. Now I am
receiving collection notices.
Cross Country Bank
did the same thing which shows you how they feel
about their customer service practices. I did
not have this problem with Providian or Bank of America. They forwarded
the information and took care the the matter professionally. |
|
11/30/2003 10:12:04 PM /MessageType: Complaint /HowDoFind: Web Site search
engine /FoundFrom: yahoo / rosetta r* / msros*@aol.com / 336-***-**** /
I paid my account until Sept. of last year. in October I got hurt in an
elevator accident and was unable to pay. I contacted
CapitalOne
because I had payment protection insurance.
they said everything would be taken care of but I later found out
that wasn't so. as of now my account has gone
from under $200(limit) to almost $700. they are
trying to get me to pay $500 in payments and this settlement would stop
all of my re-occurring charges. is there anything I can do? |
|
11/29/2003 2:58:29 AM / road*@yahoo.com / what you
people need to do is take
CapitalOne
to the Small Claims Court in your area.
the max you can sue for is $5,000 ( in most states ). sue them for about
$1,500. this should include all BS fees and for the hassle. 9 times
out of 10 they will not show up due to the cost to
have someone in court. and that 10th time a judge would understand
your case. a buddy of mine did it to another card
and also got $29 amount that it took to pay balance. also check with your
local agency because some states have a mandatory 10
grace period on any credit relevant services.
also the web master needs to find out the e-mail address of stock holder
and put them up here for the world to see and e-mail.
Viewers, Sue
CapitalOne
now!
Remember you only allow to sue these blood
sucking vampires within 1 year or so!
for
the bank fails to post payments timely, and
designates non-business days as payment due dates (i.e., Sundays and
holidays), but does not receive payments on non-business days;
for
unfairly and unlawfully imposed and collected monthly fees
for
"fee-based" services which cardholders did not request or authorize,
and/or prior to the end of the so-called "free trial period" for the
product or service; for the unauthorized activation of these fee-based
services may also trigger interest, late fees and over-limit fees and
other charges as a result; for violations of
the Truth-in-Lending Act (which requires certain disclosures) for
cardholders who were enrolled in certain fee-based products (Payment
Protection and/or Account Balance Coverage) at the time they opened their
accounts; for
excessive late fees to difficulties in reaching a zero balance
(and thus
being able to close an account) to problems with
the
bank reporting
them to credit agencies.
If every consumer would take renegades like
this to
Small Claims
Court, this kind of vampirism would soon fade away.
9 times out of 10 they will not show up due
to the cost to have someone in court. 10th time a judge would understand
your case. Do NOT over-sue them!
The max u can sue is $5,000. But if u r asking more than the attorney fees
(usually it's around $3,000 ) they may pay the attorney to show up and
fight u back.
If you r in Los Angeles, go to
Small Claims Court
(110 N. Grand Ave., L.A., CA 90012, 213-974-6135) file
the Plaintiff's
CLAIM form. It will cost u
$22 for each case filing.
U also need to pay $45 to have Shrif LASD (upstairs)
send the court SUMMONS to
CapitalOne
if u can not find
other citizen deliver the court papers for u.
U only allowed to sue them on certain time period,
but the bad report they did to u (doesn't matter how much amount
you disputed and they charged off) will stay over 7 years if u just
complain and don't take action to fight back in time!!
After u post your complaint here, if u need more supplement witness or evidence to
show this blood sucking bank did and do, just tell us your case number and
court date, then u can use every viewer posting here, all
with the complete last name and phone number (we just keep sensitive info in our dataBase and
only post the first name basis on web) please contact us and use every post from
our web:
http://www.complaint.info
and
http://www.capitalOneCard.us.
Show us your court document and case number, (we r not picky at all, if u
haven't post here, just email a
clear photo from your cell camera phone showing
CapitalOne
and your case number will do) we will provide you the complete info you
need for your court (and of course we will inform the viewer too). |
|
Our Viewer
Fighting Back!! Case#422709371190/
Subj: No Card, No Service, No Vacation / Date: 2/15/2004 9:23:23 PM /melb*@hotmail.com/
Over a year ago, I received a call regarding
a vacation for sale. I was going to put it on this
new card so, I gave them the information and they put me on hold
for third party confirmation. At that time, I told
them I was also going to get confirmation from my husband. When I got back
on the line, the operator was gone. No confirmation was made for the
transaction. This disputed charge escalated from a $100 charge for
a vacation, (we never got), to a almost $500. After
much aggravation, I told them I would pay for the activation on the card
since, they implied that is why they would not dropped their charge.
I paid them $125. They still would not drop the charge, which is
now $401, due to late fees and interest. The case
number is 422709371190. I would very much like to settle this and remove
it from our credit report. We do not have the card or the vacation in
question. Melonie K W* |
|
11/28/2003 8:29:09 PM / Pamela G* / lpgood*@msn.com / 913
***-**** / My 83 year old aunt has a blood-sucking
CapitalOne
Visa card. These people are ripping this old lady off. Her interest
on the card is sky high and yes I have made contact
with these people and they are very nasty and consistly calling her.
She is now in a assisted living home, and she really does not need the
bother with these crazy people about the card. |
|
11/25/2003 3:31:40 PM / Dawn R* / satel*@yahoo.com / 256-***-****/
I would like to know
if there are any
lawsuits pending in Alabama against
Cross Country
Bank &
CapitalOne?
We have accounts with both. They keep adding extra charges. Even
after we talk to them & they tell us the extra charges will come off they
never do. We were late a few times, but a payment
was always made. We have also had them tell us they never received
a payment but the check had cleared our bank. Come
to find out that they had applied our payment to someone else account.
They said it was our mistake not theirs. But we had the account number on
the checks. They constantly call any day & any hour, after we have
asked them not to call on certain days & after
certain hours. |
|
11/21/2003 12:12:49 AM / paul h* jr / paul*@wmconnect.com / 205 ***-**** /
yes I would like to become involve in the class action suite as well for
the same reason. Paul h* 657 j* rd E*,35461 ph# 205 ***-**** |
|
11/20/2003 7:01:30 AM/
CapitalOne
Platinum Mastercard / I have just received a
CapitalOne
Platinum Mastercard and I have been
reading the complaints on your site. However I have not come across a
complaint specifically about the Platinum Mastercard
by name. I was approved online and given an initial limit of $200 and when
the card came in the mail my actual limit is $300. I was happy with this
because I didn't want a high limit. The mail offer states I will 0%
apr through my May 2004 billing period. I am also
wondering when I will get hit with the $59 annual fee.
I now have a limit left of around $92 dollars to use on my card. I am
afraid that if I use anymore then they will bill me with the annual fee
and I will be over my limit and receive those fees. I am unsure of why the
$59 annual fee was not taken out initially. I have had cards in the past
that do that. It is like they want you to max it out and then they
will add the fee to it in order to post you more fees (late and over
limit) I just got the card so I have not received my
first bill yet. I am thinking that I should cancel the card and pay what I
owe before using it anymore. I am very afraid now of what is going to
happen to my credit report. I already have some things on there from other
cards ripping me off. When will I learn? Is there even a good credit card
out there and how do you know?? I had a First Premier Bank Card
and am letting you know they are just as bad
if not worse. They gave me an original limit of
$250 and when they sent my card they had taken out $178 in fees which in
turn left me with about $72 to use on my card. I had an issue with a
company that had taken charges out on my account that I did not okay. I
called them the day I had spoken with this company and told them that I
had given my account for identification purposes that day and that I was
concerned they would charge on it and that I had never given them
permission to. First Premier told me that the
only thing I could do was dispute the charges if they appeared and that
could take up to 3 months for my account to be fixed. The amount of money
they took from me was just about the amount I had left for myself on the
card. So there I was paying for a card that I essentially never
used myself. I obviously cancelled that
account immediately and I am still incurring late fees and over limit fees.
I had starting sending them monthly payments to pay of my balance in full
and ensure no bad credit reporting. Well every payment of $20 or $30 was
pretty much going into thin air because every month they tacked on
a late fee along with an over limit fee totaling $50 a month.
Needless to say I told them that if they do not give me a final balance to
pay and stop the late fees and overlimit fees that I am not paying them
anymore. Mind you the late fees and over limit fees are applied at 12:01
am of the day you are late. There is no grace period at all. In fact I had
mailed a payment and apparently they didn't get it the day it was
due and they called me the very next day harassing me about a payment. It
was not even 24hrs late at that point. Anyways back to the original
because I could go on and on about so much from this card
like the nights I
spent 5 hrs on the phone on hold and being passed from rep to rep trying
to straighten out issues. I really think that if
this platinum is a scam then I should close the account so can you please
email me at DGrd*@aol.com and let me know if you have had any complaints
with this card in particular because if they are gonna charge me anyways
and screw me over I would like to use the last $100 that is left and at
least get something out of it. Thank you for listening and having the site
it is very helpful to those who don't read the fine print or those that
do but still don't understand it or in all of these cases with this
company seem to read the fine print and understand it but don't know that
the company is not even telling the consumer about all of their scams in
any print but just doing them because they have the power to trash
your report if they want even if it is all
their fault and their doing. They make their money
by using the fears of bad credit reporting. I think it should not be legal
for credit card companies to report bad credit unless fully investigated
by and outside party to ensure that the claim is of the cardholders doing
and not the company making up stories to scare people into paying whatever
they feel like billing. Please help me on how to get rid of this card if
it is a scam. I cannot emotionally deal with going through the nights of
crying and feeling like I have been used abused and taken advantage of
(basically raped) by another company that has no feelings morals or care
about human beings. I am sure the company has been the cause of some
cardholders depression, suicide and emotional dysfunction in the community
due to the way they trash your credit to the point that hard working
individuals that have had good credit their whole lives in order to
receive loans and purchase homes are now dealing with not being able to do
any of that because of mistakes and rip-offs that this company wants to
put on these people. I can only hope that those responsible for this kind
of pain caused on people have the same thing in return done to them or
someone they know and care about then that maybe it will change the way
they do business.
Please email me at DGrd*@aol.com. Thank you so much. DG*,
CapitalOne
have all kind of trick to deal with different level of card holder. My
doctor told me he has
CapitalOneCard
of limit $5,000. Whatever
CapitalOne
do (they also have business in loan ' insurance
and developing in Europe) they call all of their cards
CapitalOneCard,
so I started my
http://www.Capital1Card.com
to fight these
vampires (because they
had already pre-registered the domain name of
CapitalOneCard.com).
Then they changed their TV commercials into
NO-HASSLECard
and of course they pre-registered the domain name
of
NOHASSLECard.com
for next 10 years;
but I figured out there is
'-'
between their
'NO'
and 'HASSLE'
, so I started my http://www.NO-HASSLECard.com
.
Later I started my http://www.CapitalOneCard.ca
and http://www.CapitalOneCard.us
because we received the complaints from Europe,
UK and Canada, one from
India?? (We already have enough Europens
hating US because of
CapitalOneCard
blood sucking over there, now
India???)
Now
CapitalOne
changed their TV commercials into
MILESOneCard.
No problem this time, I learn their tricks already, guess who had started the
http://www.MilesOneCard.com
long time ago ?!! |
|
11/12/2003 2:53:56 PM / Am working with major law
firm who can help these people in the
Columbus, GA area who have been victims of
CapitalOne
scams. Send to: Thomas F. Worthy, Esq. at
tworthy@fdlawyers.com .
Keep up the good work! Sincerely yours, Thomas F. Worthy, Esq.
11/12/2003 3:09:33 PM /MessageType: Suggestion /HowDoFind: (Other) /FoundFrom:
/ Thomas F. Worthy
tworthy@fdlawyers.com /
334-2972900 /FAX: 334-2972224 / ContactRequested / Any victim of
CapitalOne in Columbus, GA, area code (706), who is interested in filing a law
suit contact
<tworthy@fdlawyers.com > for more information.
Dear Thomas, we post your email address complete
with no omitting * so GA area viewers able to email u. Please
always forward what u
get, we need to post them too. (We always keep all the information in our
dataBase for our lawsuit against
CapitalOne
later on. And we post the emails in
first name basis only, omitting their whole name and info, so they can
post their complaints and only us can
contact them later for the lawsuit.)
|
|
11/19/2003 2:51:24 PM / MessageType: Complaint / HowDoFind: Web Site
search engine /FoundFrom: Yesterday on search engine / E.Clark / donna*@msn.,com/
CapitalOne
took payments for two credit cards and applied to one card this month.
When I called to have them remove the late fee and divide the payment, as
specified in the payment, on the check and in document form that it was
for two accounts. They simply said, You must make two payments. I never
have had to make two payments before, as long as the check specified it
was for two separate accounts. I told him that I recently took their
representative up on their offer for a different type of card with a lower
interest rate, and if he started to mess with me, I will not get that
card. I told him to remove the $29 late fee and divide the payments
according to what was specified on the check itself rendered for payment
at least six days before it was due. I am thinking about checking with my
attorney general's office to see if there are any other complaints with
this company. For now, I think the brakes are on hold for the new card.
|
|
11/16/2003 7:48:00 PM / Barbara K* / barbara*@yahoo.com / 978-***-**** /
Three years ago I received an offer from
CapitalOne
for a low interest, no annual fee credit card. The exact wording on the
annual fee terms was "no annual fee if your account is in good
standing." The rate seemed good so I sent off an
application. I soon received the card by mail. I never used it never
even activated it. A couple of weeks after receiving the card I
received a bill for a $60.00 annual fee. I thought I had misread the offer
so I checked it. Then I couldn't understand
how my account could have lost its good standing in only two weeks.
I immediately returned the card with a request to cancel the account and
an explanation of why. The following month I received another bill.
This one for $89.00, the previous amount plus a $29.00 late fee.
This time I took care of the matter by telephone. A thirty-day late
payment appears on all 3 credit reports. I'm
concerned that the late payment may affect my credit score. |
|
11/15/2003 11:52:19 AM / Brenda S* / bbsun*@consolidated.net / 217*******
/ I have a
CapitalOne
account. It included the payment protection. When my husband was on layoff
& back on, etc. I was put in a situation; I called to let them know that
my husband was on layoff & they said they would take care of everything &
to call back when he was back to work. His situation was layoff 3 weeks
work 1. Over & Over. I didn't call them back until he was back on a steady
basis. By now, my account was over $900; I had a $300 limit.
Figure that one out. I now have the account down to $200+ The payment
protection only paid $90+. Of course, leaving me with a HUGE
payment that I really couldn't afford to pay. But, I
did & they even charged me the $39.00 membership fee that was
supposed to be NO fee membership. I didn't know that
there was anything I could do.
If you can help-Please let me know.
Thank You! |
|
11/5/2003 12:41:17 PM / SAMUEL P* / sam*@metrokc.gov / 206-***-**** /
CapitalOne
wrote down the wrong routing # FOR MY CHECKS AND CHARGE ME FOR LATE FEES
AND OVER THE LIMIT FEES. |
|
11/2/2003 4:09:48 PM / Jon P* / jona*@msn.com / 480 *** **** /
I have a card with only $200 limit that never
increased to $500 like should have because of their
policy make first three months payment on time, no over limit fees and
consider increase. My third month was April (tax season), I owed taxes
that year and couldn't pay State until Federal Return came back so I paid
full balance to visa each of the three months online with plenty of time
required. The problem was the third month was marked one day later
than I recall with no reason why the delay in posting waited.
My rate was increased , was charged late fee which put me over
limit my next purchase and charged a fee. With only
$200 limit I made several payments and purchases in the same month and
once records were juggled out of order so to create a huge mess. then I
received a notice of increasing rate and to mark "NO" if refused
agreement, and I did but didn't pay full balance before the deadline so my
final payment was considered activity and default agreement assumed. I
never got new card after expired so I put it out of mind but o small
charge from auto pay that should have canceled but used this card as
secondary payment source should have denied them but allowed the charge. |
|
10/30/2003 3:38:57 PM Eastern Standard Time /MessageType: Complaint
/HowDoFind: Web Site search engine /FoundFrom: captial One/ Mary R*/ mary*@hotmail.com
/ 850-***-****/
CapitalOne
has ruined my chances of getting a home all due to errors on my credit
report. On my credit report is was showing I owed
CapitalOne
money, when I called
CapitalOne
to try and straighten out situation I was told that I had to submit a
letter to the National Bank. I have been trying to get this situation
straightened out for a long time now and still it has been unresolved and
has cost me to lose the home I was going to purchase, so I am very upset.
I was told there was no record of myself in there database when they tried
to pull my social security number as well as address. |
|
10/30/2003 11:32:59 AM / MessageType: Complaint /HowDoFind: Web Site
search engine /FoundFrom: msn/ Anthony B* /: pharm*@msn.com / 330******* /
We have 5
CapitalOneCards
between us and we needed them to help with our wedding. It's a long and
tragic story, but to make that short, all of our cards easily
surpassed their credit limits. This was partly our
own fault, but the interest rates and the late fees easily put us
over the limit. Between the 5 cards, not one of them has a credit limit
over $500. That was a year and a half ago that we
we're over. On one card our limit was $300 and the balance now is
over $1100. We couldn't get that down if we tried.
Because of this and other financial woes, we are filing for bankruptcy.
CapitalOne
should be ashamed. We are suckers for falling for their shady practices,
but when you have bad credit and no other creditor will give you any, you
kind of have no choice. They don't help out, they hurt you. After a
while of getting so many bogus fees and late charges it overwhelms you.
If there is a lawsuit, I'm in. It's not right that they keep jacking up
their interest rates and lying about when they received payments. I'm fed
up & I've learned my lesson the hard way. When I start over
CapitalOne
will be a distant memory!! |
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10/24/2003 1:25:28 PM / Burgess C* /burg*@hotmail.com / 773.***.****/ FAX:
773.***-**** / I am presently taking these guys to
court for
CapitalOne
bank harassing my 80 year old mother into paying for interest on a
credit card she never used or even received. And
today they are still harassing her. Any additional
help you guys have would be greatly appreciated or
any information I have
can be of use let me know. |
|
10/23/2003 9:51:49 AM / april gr* / allied*@hotmail.com /
Some how I rec'd 2
CapitalOneCards
with low limits. I used one of them for less than $100. I called to
cancel the cards and they didn't. Now I am looking at balances of over
$1,000 and it is effecting my credit.
What can I do? |
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10/20/2003 4:54:26 PM / robyn c* / roby*@adelphia.net /805-***-****
/
I would like to sue
CapitalOne
for erroneous late fee and over limit fees -
for not logging and reporting payments on time and/or at all
- and for providing misinformation |
|
10/19/2003 3:26:11 PM / connie B* / butl*@hotmail.com /
I have an account with
CapitalOne
. It has been closed for over three yrs and in debt
consolidation, but they keep adding on the fees and charges because
they say this will happen until the account is paid off.
Well I cant get it paid off if they keep adding and
adding to the account. I have been paying on this for three yrs now and it
should have been paid off as it started at only about $300 and now
it is about three times that amount. They are as bad
as
Cross country
as they do the same thing and I have them in the same debt program and it
is the same story. When you close an account it should end there with the
balance it had then not three or four times that amount. At this
rate I wont ever get them paid as the late fees and over charges are four
times the amount of the original amount. |
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10/18/2003 11:41:04 AM /Keith / get*@juno.com/
CapitalOne
do not tell you that Payment Protection is only for
the full time worker and you find this out once you file a claim |
|
10/16/2003 6:18:54 PM / Andrew S. K* / marty*@tampabay.rr.com / (727)
***-**** / Can you supply some contact info
concerning your suit against
CapitalOne
. I have been overcharged, have had my avail buying
balance held back for something I did not buy or use ect. Have been
denied requests to speak with supervisor, especially when I have had to go
thru Cust Ser. in INDIA
Andrew, try
Class Action Contact form
and tell us what happens afterward. |
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10/8/2003 1:05:01 PM / Amanda / Mandy*@aol.com / 571-***-**** /
I threw away my old statements, and this account is
now closed. However,
CapitalOne
was famous for sticking me with new and unanticipated fee's.
Dear Amanda: Your disaster have only just begun! You
can never close
CapitalOne
by throw away their statements!! This is what
CapitalOne
do to their card holders (YES! INCLUDING YOU!):
CapitalOne
will hide your payment and pretend that they never
receive your checks. You will get late charges' over limit fees. Your
account never get to closed. If you keep dispute these blood sucking fees,
CapitalOne
will file you BAD credit report. BE VERY VERY
AWARE!! Amanda: Your disaster have only just begun!! |
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9/23/2003 4:22:17 PM /Joan C*/ cst*e.msn.com / 707
***-**** /I opened my account in 1999 and was
not charging anything but keep receiving statements requesting payments
and adding late payment charges monthly, which I
would pay but was not catching up. I called and asked them to close my
account but was informed that I would need to send a written request, I
wanted to end the monthly charges because I was not using the card and
decided that I did not want it anymore especially since I was not aware of
the signup charge when I opened the account. They did not close the
account upon my request and it was eventually used but with all the
fees or late charges, the account was never paid off.
It stayed on my credit report as an open account which continued to add
charges. Only $75.00 was ever charged to the account but it now has
a balance of $624. I don't understand how it
continued to add interest after it was closed 3/2000 and was reported as a
charge off 9/2003. I am willing to pay the amount that I charged but that
won't remove this from my credit report |
9/11/2003 10:52:49 AM Pacific /Jamie S*r Wanted You To See This!/
js*@mychristianhost.com /Jamie S* recently sent a letter via
PlanetFeedback.com to
CapitalOne
Financial and wanted you to receive a copy of it./ The
http://www.planetfeedback.com
Web site gives consumers power through communication. You can craft and
send the perfect letter to any company. Copy the letter to others, resend
it and track it. PlanetFeedback helps you get answers, responses and
results. Read on!/ September 11, 2003
TO:
Richard D Fairbank, CEO,
CapitalOne
Financial,
2980 Fairview Park Drive
Suite 1300,
Falls Church, VA 22042
FROM: Jamie S* 132 B* Avenue Torrington, CT 06790 860-***-****
js*@mychristianhost.com
RE: PLANETFEEDBACK REFERENCE NUMBER 2067525
Dear Mr. Fairbank,
I'm writing to alert you to a problem I've had with a credit card issued
by you. My problem concerns overall experience. I hope by bringing this to
your attention, the problem will be addressed. This incident has made me
extremely upset.
Here's what happened: I had a
CapitalOne
credit card account with a low credit limit. There is a discrepancy as to
what my credit limit was.
CapitalOne
has stated that my credit limit was $200 (which would mean I was only .94
over the credit limit), but
CapitalOne
has also stated it as being $201 (which would mean I was never over my
credit limit). I fell behind on a couple of payments due to work
lay-offs. However, I did resume payments. I made numerous payments on my
account--more than enough to pay for the principal balance as well as
fees. On numerous occasions my payments were not
posted timely and I was penalized with late
fees as well as continuous overlimit fees. Additionally, the
monthly payment requested was not sufficient to cover the fees that were
charged (member fee, overlimit fee and late fee).
Once I realized this, I would add the various fees to my payment. I
noticed that although I made payments, the fees
continued and the balance did not reduce.
None of the money I paid was ever applied to the principal amount charged.
Phone calls to "customer service" led to mounting frustration rather than
solution. Ultimately, I paid well over 3 times the principal amount
charged. I investigated further and discovered that the fees were being
pyramided--which was illegal. Once I discovered the illegal practice of
pyramiding fees was taking place I ceased making any further payments.
When I requested the account closed, it was charged off shortly thereafter
which revealed that the majority of the outstanding balance was fees and
the principal balance remained untouched. It was also reported to the
credit reporting agencies that the account was closed at
CapitalOne's
request rather than mine. I had attempted to get an itemized payment
history from them, but was refused. I have sought legal counsel regarding
individual representation as well as inclusion in class action suits due
to the mismanagement of my account and the illegal practice of pyramiding
fees.
Anybody with similar experiences is welcome to contact me at js*@mychristianhost.com.
I am sure corroborating witnesses and evidence will be useful.
Here's what I want you to do: Zero out my balance and send letters to all
three credit reporting agencies, with cc's to myself, directing them to
update their records accordingly to remove any negative or detrimental
ratings or comments regarding this account.
In the future, I will likely avoid doing business with
CapitalOne
. And I definitely won't recommend
CapitalOne
to others.
I appreciate your taking the time to listen to my complaint. I hope it can
be addressed.
Sincerely,
Jamie S* /
js*@mychristianhost.com
CC:
Leif Cabraser, Jessica Castillo, FJH ,Diane,
Webmaster (BadServics), Green
& Jigarjian , Maverick
If you'd like to send a compliment, complaint, suggestion or question to a
company, PlanetFeedback will help you write your letter easily and
quickly, and then deliver it to the right person. All it takes is a few
minutes! You can also share your letter and feedback with others and check
out company ratings based on consumer feedback. We'll make your voice
impossible to ignore!
Please visit us at
http://www.planetfeedback.com and tell YOUR friends!
Jamie, although u want to post the whole message
complete,
I still post your letter in first name basis only. I post my email
address on my web, and I'm getting spoofing attacks because they learn
that TV news want to
interview us. (some viewer got virus infected spread the
spoofing ) so it's better to keep your email in my dataBase' not post to
public, or else you may get spoofing attack too. We r fighting the filthy wealthy evils,
we had
already signed and gave them too much info to attack and they can always add more
damage when they see u r still fighting!!
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9/11/2003 4:15:24 PM Pacific / Jackie F* / jackief*@usadig.com /
406-***-****/ I have a
Cross Country
Bank credit card, which I
listed with a debtscape to reduce my credit card debt, in fact I have
several credit cards listed, but only one is not cooperating and that is
Cross Country
Bank, they would never accept
the proposed offer and I continue to send in the monthly pymts to
debtscape who distributes the pymts and
Cross Country
debt is not going down it is going up because
they continue to overlimit fees and late fees. They use to harass me at
work 3-5 times a day, I wrote them a letter to stop calling me at work, so
now they send me a notice couple times a month that I am over the limit
and min. pymt is 1127.00 and so on. Back in Feb. my balance according to
Cross Country
was 1541.68, now my balance is 2011.64, on a
closed account that receives a monthly pymt. but keep charging me late and
over limit fees. I just want out from under this card. Can you help or
direct me. Thank you. Jackie F* |
|
9/11/2003 6:16:28 PM/ Dear
www.lieffcabraser.com
: Is it true that only the lawyers and the attorney
getting the big money from the class action suing
no-hassleCard ?
and probably us the victims of
http://www.capitalOneCard.us will end up with getting nothing? It's been too long to wait, exactly what's happening
now? We submit our
CapitalOneCard
Class Action Contact form to you long time ago. We also put your URL
http://www.lieffcabraser.com/capital_one_contact.htm on our webs
on top page, u shall also getting lots of our viewers submit their Contact
too. Nothing ever happen since then?
Now that our webs are getting the national
TV news attention, and everybody need to have some answer for these
CapitalOneCard Class Action issue. Please
give us some answer now.
also, will you help us if after that class action, we
have more victims gathering over here? Do we still get to sue
capital1card EXTRA
? Could u help us if we like to be grouped and have a class action against
this
no-hassleCard
on our own???
|
September 18, 2003/ Re:
CapitalOne
Credit Card Litigation /Dear Mr. Y*: Thank you for contacting Lieff,
Cabraser, Heimann & Bernstein, LLP, concerning the
CapitalOne
Credit Card Practices litigation. Your comments on
CapitalOne
and the litigation are appreciated. As you may be aware, we have filed a
proposed class action lawsuit against
CapitalOne
Bank and
CapitalOne
Financial Corporation alleging that
CapitalOne
engaged in widespread practices of failing to timely post payments, and
then improperly charging cardholders late fees, and other fees.
Additionally, plaintiffs also allege that
CapitalOne
unfairly and improperly charges and collects monthly fees for fee-based
products and/or services which cardholders do not request or authorize.
We have created a database of
CapitalOne
cardholders who have contacted us, and we have placed your personal
information in that database. The database helps us investigate and track
the experiences of cardholders throughout the country, which is key to
understanding
CapitalOne's
business practices. Unfortunately, due to the high volume of inquiries
that we have received, we are unable to respond to every inquiry
individually. This letter should address many of the questions that you
might have. If you have any additional questions, or if you would like to
respond to the questions this letter poses, please do not hesitate to
contact us again.
CLASS PERIOD for CALIFORNIA RESIDENTS:
The class period for California cardholders is January 1997 to the
present. This means that if your account was not active during this
period, you would not be included within our proposed class of
cardholders, and would not be able to participate in our class action
lawsuit.
LATE FEES for CALIFORNIA RESIDENTS:
Our Complaint also claims that
CapitalOne
fails to post payments timely, and designates non-business days as payment
due dates (i.e.,
Sundays and holidays), but does not receive payments on non-business days.
FEE-BASED PRODUCTS for CALIFORNIA RESIDENTS:
Also included in the Complaint are allegations that
CapitalOne
has unfairly and unlawfully imposed and collected monthly fees for
"fee-based" services which cardholders did not request or authorize,
and/or prior to the end of the so-called "free trial period" for the
product or service. The unauthorized activation of these fee-based
services may also trigger interest, late fees and over-limit fees and
other charges as a result. Our proposed class also includes violations of
the Truth-in-Lending Act (which requires certain disclosures) for
cardholders who were enrolled in certain fee-based products (Payment
Protection and/or Account Balance Coverage) at the time they opened their
accounts.
ALL OTHER CONCERNS:
As you can see from the above, our Complaint is quite focused, and may not
touch upon your specific concerns. Other issues are not covered by our
Complaint. However, we have been contacted by many other cardholders who
have voiced concerns that encompass everything from
excessive late fees to difficulties in reaching a zero balance (and thus
being able to close an account) to problems with
CapitalOne
reporting them to credit agencies. Some cardholders have been able to
share with us their successful strategies for resolving their conflicts
with
CapitalOne.
If you would be interested in hearing about those strategies, please
contact us. Additionally, the "Additional Resources"
section of our website at
http://www.lieffcabraser.com/capital_one.htm might also direct you to
helpful resources.
Please note that we are not accepting clients to bring independent actions
against
CapitalOne.
If you wish to pursue any claims against
CapitalOne
independently, you should contact other counsel. Additionally, if you have
been sued by
CapitalOne,
or have other immediate needs, you should contact other counsel who can
assist you individually. If you intend to do so, please be aware that the
period for you to file such claim may be running under applicable statutes
of limitation.
Again, we thank you for your interest in our case. Very truly yours, Caryn
Becker, Esq. Jessica Castillo
Lieff,
Cabraser, Heimann & Bernstein, LLP, 275 Battery Street San Francisco,
CA 94111 (415)956-1000 x.303 |
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26 Aug 2003 20:27:58
/nina.d*/
nina*@dfas.mil / 317*******/just like those
other people are saying they are charging late and over the limt fee thats
not fare every month |
|
26 Aug 2003 00:46:33
/MessageType: Praise /HowDoFind: Friends told /FoundFrom: / E McCar*/
beari*@yahoo.com /810-***-****/I am in the same
boat! I have been charged for late fee's and late payments! I also have
been charged for over chargeing when they incurred the over limit! Like I
wasn't over until they assessed the charge |
|
23 Aug 2003 02:19:07
/MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: Ask
Jeeves / Michelle H*/mhatt*@charter.net
(509)***-****/ I enrolled in a debt consolidation
program a few years ago and thought all was well. I found out a few months
ago that a few hundred dollar balance was almost $1,000. When I called to
try and fix along with debt consolidation they claimed they had never
accepted the proposal and never would. Then a few day later went ahead and
accepted one after they threatened me with a lawsuit. Then just received a
letter two days ago that they are going to write off my account as bad
debt and threatened me again by letter. |
|
8/22/2003 9:12:05 PM Pacific Daylight Time/I
too am fed up with
CapitalOne
/
/See
http://www.cap1sucks.com for more. Tom, Milwaukee, WI
Tom, join the club!!
I only have one concern for your web: PLEASE DO NOT put any link to
the blood sucking evil
CapitalOneCard!!
They are already spending million dollars airing these demagogic TV
commercials to dupe people getting their
No-HassleCard.
(I once called their TV commercials "Terrorist Attacks", damn, of
course they are watching our webs all the time, now they change their
attacking Terrorists into
singing and dancing Mermaids and Party Girls!)
Some viewers may click your link and eventually getting this indistinct
card. Once you get the
CapitalOnecard,
there is NO way to pay off the balance and close their account! When you
refuse their charges and fees and fight their bluff bluster,
CapitalOne
post your bad credit report and schedule
to list over 7 years. (worse than a bankruptcy!) The damage and scar are
life time forever! For the first time credit card holder's sake (they
always getting
CapitalOnecard
without thinking twice), please DO NOT put any link to
CapitalOneCard
on your web!! |
20 Aug 2003 17:24:30 /
To: Media
Relations /I have two
CapitalOneCards.
On Thursday Aug 14, I express overnighted a check drawn on a mortgage bank
made out specifically to
CapitalOne
in the amount of $2,918 to pay off this card.
This overnight
envelope was signed for on August 15,
as my due date was Aug 16th, I wanted to ensure that my credit stayed
clean and the payment was applied.
It is now Aug.
20 and the payment still has not been applied to my account.
I have a signed receipt stating that
CapitalOne
received this express overnight package on the 15th, (see below) but
Customer Service says there is no way they can check to see what was in
the package, bulls*&^. "How do we know it was a check?" Come on, get real
For the other
CapitalOne
card that I have (Carnival) I also sent another payment directly to them
over a week ago, $992.on Wed, Aug 13th, and
they are
telling me they still have not received it.
I have spoke to two representatives about this issue and the only response
I get is "well make another payment on line or phone it in for an addition
$10". Chrissie Operator number 7682 was who I spoke to on 8/19.
What I find amazing about this is that the other 7 credit cards and two
mortgages that I also sent checks to the same day have already been
applied, only
CapitalOne
is playing games and holding payment to ensure additional late fees.
Sounds like
CapitalOne
is a huge scam.
I STRONGLY advise CARNIVAL CRUISE LINES line to really think twice before
endorsing this company. I travel on Carnival quite frequently and this is
giving me a sour taste in my mouth for both
CapitalOne
and by affiliation, Carnival Cruise Line. I am a single Mom with two
teenagers trying to get a head and games like this are uncalled for and
truly deceptive in nature. You should be ashamed of yourselves.
Tracking number1. 1Z 179 954 01 9338 206 1
Delivered
Delivered on: Aug 15, 2003 9:16 A.M.
Delivered to: GLEN ALLEN, VA, US
Signed by: BROWN
Service Type: NEXT DAY AIR |
|
8/15/2003 8:00:47 PM/ Mary M*/
grimace_53@hotmail.com / 989-***-****/ I have
had a
CapitalOne
card for several years. I was promised a raise in my credit if my payment
history was good. I've never received the raise. Also I was not aware
they could charge for payment protection without my consent.
They also have messed up my account several times . Currently my balance
is the same despite having send a good sized payment to them. Even with
late fees it should not be so high. |
 5 Aug 2003 03:52:13/ MessageType: Problem /HowDoFind: /FoundFrom: /
/
/ /
I think it sad that U have bad credit, and
have to blame everybody except your damn self.
Dear no-name: I think U r a damn coward to post your problem on my web with don't dare to say any of your
damn name' email and anything. What r U try to say?! That U r
smarter and never be a victim? Some viewer told us that
CapitalOne
had to close one office because of our web, and one
CapitalOne
rep got himself into biggest trouble because of our
web. I sincerely hope U be the next one do so. |
|
5 Aug 2003 03:53:09/ Wynona / wmch*@hotmail.com / I
have a
CapitalOne
card and I have had no problem with fees on my account, There was a
problem once and a manager called me back to tell me the unauthorized
charge was be disputed by
CapitalOne
and all fees and finance charges would be credited back to me. Several
people in my family have a card with
CapitalOne.
Some have good credit and some have poor. I think u guys need to
read more of the small print when u r signing
and AGREEING to something. Doesn't that make
sense?  Dear Wynona: We always get "You
have nobody to blame but yourself" and "Read the small print"
bad cop' good cop craps when we call the blood sucking evil
CapitalOne
bank. and guess what, after I forwarded this month's
victim responses to the eveil bunch (
hostmaster@CAPITALONE.COM ,
domainmgr@capitalone.com ,
webinfo@capitalone.com ,
hostmaster@COUNTRYWIDE.COM ,
webmaster@progressive.com,
maverick@capitalone.com
), in same day I got one "blame yourself"
from no-name, and one "read small print" from you with no last name.
U don't think I can figure out what's happening?
OK, so U try to post your craps on my web? let me
give U one better chance to deal: U figure out why I'm doing these webs,
and offer me what U will do about my case, then I will let U do some
better thing to our webs.
Former Employee tells
truth /Pros:
Good
employee benefits
Cons: Terrible
attitude toward cardholders /...Needless to say, I no longer work for
CapitalOne. I found
it difficult to justify how
CapitalOne conducted their
business and just didn't feel good teaching employees how to
rip off our customers. Oh yeah, check those statements good.
Lots of things just happen to appear by mistake. Don't
believe that one either. So take it from someone who was on the inside... |
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5 Aug 2003 07:39:16 / phyllis h*/ phis*@verison.net / 808-***-****/
CapitalOne
has charged me on several occasions with late charges that were added
after my pymt posted on time. I was told it was because my closing date
was past and another month was beginning so I was charged a late fee. when
I asked how much I should pay to catch acct up to date I would be
given an amount to pay that would get me current and I would pay that amt
only to get another bill with yet another late fee. again I was told it
was because my acct was paid on time but another closing date had past.
the customer servic rep got very angry when i tried to find out
the closing date. I did finally get the acct
paid off but I was sent two more monthly statements with finance charges
and pymt protection fees. I paid the first one (assuming it had something
to do with the closing date but the next month when I was once again for
these fees I cld them after unsuccessfully trying to get a live person to
speak to. (tried every button given. finally called lost card rep and told
her my problem and she said she would take care of the bal and i would not
get another stmt. I am still waiting to see if that will be correct. I
still have one card left and am working to get rid of it because I think
they may be getting ready to charge another yearly fee to the bal. |
5 Aug 2003 18:10:24 / TAMMY B*/ 231-***-**** / I
HAVE A
CapitalOne
CARD WITH A $300.00 DOLLAR CREDIT LINE. I HAD TOLD THEM TO CLOSE
THE ACCOUNT BECAUSE OF LATE FEES AND OVER LIMIT FEES
THAT ARE BEING APPLIED TO THIS ACCOUNT. I CAN SEND PAYMENTS IN EVERY MONTH
OF $60.00 TO $100.00 DOLLARS AND OF COURSE I AM OVER THE LIMIT AND CHARGES
APPLY. THEY NOW SAY I OWE OVER $1000.00 TO PAY THIS OFF.
I OFFERED THEM
$600.00 TO SETTLE AND THEY WONT BUDGE. SO AS OF TODAY I AM NOT SENDING
THEM ANYMORE. THEY ARE TEARING MY CREDIT APART EVERY MONTH. THEY
ARE SHARKS. WHAT CAN I DO? |
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5 Aug 2003 18:29:31 / S. Griffith / grandma05*@yahoo.com /
I had a
CapitalOne
card at 7.99%. I was never late with my payments but I believe
payments were held back and my interest rate jumped to 19.99%.
I told them they could keep their account and went with a different
company for my visa card. Pooh Pooh on
CapitalOne |
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7/14/2003 11:10:02
/LPe*@jenkens.com / I recently bought a new car
and my car salesman told me I need to contact
CapitalOne
because 2 1/2 years ago when I bought a car,
CapitalOne
showed up on my credit report as my owing them $8,500 - it now says I owe
them $11,000. That account was written off as a bad debt in 1994. My
attorney at the time recommended to me that I NOT file bankruptcy and
instead ignore the creditors and they would disappear from my credit
report in 7 years. Most of them have done just that, but for
CapitalOne.
I contacted my attorney and he told me to contact them (which is
impossible by phone) and follow up with a letter (which I did today)
demanding an immediate accounting of the card. My car salesman even told
me that what they were doing was illegal. Is this true? Around 1990, I had
a daughter who was going thru the drugs, etc. route and was living with
me. She left me totally so in debt I had no choice but to do something.
That was when my attorney advised me against Bankruptcy. Actually, my car
salesman said that was good advice. Linda p* /JENKENS & G* |
|
4 Aug 2003 15:32:05/vannessa a*/ vanne*@hotmail.com / 816-***-****/
I am mailing you the information. I need help.
Van*, please don't mail us. We save all the detail
of victim info into our database for the lawsuit useage later (and it's
available for all the lawyers and who fight ). We post victim's email with
their first name only. We don't provide exactly the HELP you want in your
mind. |
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3 Aug 2003 04:35:29/ sherley / nanao*@webtv.net / 904*******/
CapitalOne
has charged me over the credit limit several times and late charges for
chargers a company that had no cause to charge they let this stuff go
through those charges are off the chain its outrageous. |
|
1 Aug 2003 19:36:54/ Kenneth B*/ ccbc*.edu / 410-***-****/
CapitalOne
Auto Finance gave me a 16.9% auto loan. The
financing agreement sent to me states that monthly payments more than 10
days late are subject to a $35 late fee. No problem! Last month, I called
to inform them that I would be late with my monthly payment and would like
to set up an arrangement to pay it in two installment. I arranged it so
the entire payment would post before my next due date. The CSR explained
to me the $35 late fee and I agreed to split that fee and pay equal
portion with my two installments. On the date that my first installment
was due, I called
CapitalOne
Auto Finance to confirm a wire payment for the
agreed upon amount only to be informed that there was a $15 per day
interest charge on the outstanding loan balance in addition to the monthly
installment and late charge. By the time I will have made the 2 agreed
upon installment, there will be an additional $420.00 in interest
payments. This is ridiculous and I informed them that I will pay the $35
late fee, but I have no intention on paying a additional $420 because the
payment was less than 30 days late. Can you help me. This is
robbery!! |
29 Jul 2003 18:41:03 / veronica c*/ vra*@excite.com / 212-***-****/
My son and my husband are currently having problems with
CapitalOne.
My husband paid for account secure, has been out on disability and they
never
paid the account but keep adding penalties and charges. They added my name
to one of the account and are now trying to bill me for his account. My
son owes money and they froze my bank account because his name is on my
bank account. I need assistance so that I can fight back since I do not
have the funds to pay for an attorney. |
|
25 Jul 2003 17:59:41/ MessageType: Complaint /HowDoFind: Web Site search
engine /FoundFrom: Google / Maryann E. F*/ mm1*@dcx.com / 248-***-****/
I have an open K-Mart store within 2 miles from my
home, it's address is in the city of Detroit, though. The one in
Southfield (also within 2 miles from my home) recently closed. That
apparently was enough of an -excuse-to have
CapitalOne
enforce a $200.00 reduction in my $1000.00 credit limit, AND to dictate
that I send them the predicted over-the-limit amount by the August 1st
payment. This occurred last month. The warned me that if I didn't pay the
minimum due, the predicted finance charge and the (soon to be) over-the
limit amount that I could expect a $30.00 fee for being over the limit and
a $30.00 late charge for not satisfying the August 1st deadline. I paid
$60.00, 3 months in a row, for NOT knowing that my payments were not
taking me far enough below the $1000.00 limit to prevent another
over-the-limit charge. My bill climbed so high I had a hard time coming up
with the $320.00 it finally took to GET me below my $1000.00 limit. Here's
the worst part...I had not used the card for 3 months and thought I had
successfully kept the balance below $1000.00! They're got they're
NEWLY-ENFORCED over-the-limit dollars today and the August 1st normal
payment, and the predicted service charge for August and an extra $50.00
because I'm afraid of their trickery. I just hope the didn't come up with
another fancy way to charge me for MORE SERVICES UNRENDERED. I'll know
next month, I guess. Very unbelievable to send them ($160,$160,$250) or
$570.00 in 2 months when I haven't used their card in quite a while.
They've really screwed up my ability to keep my other debtors happy. Is
this legal?? Thanks! |
|
25 Jul 2003 13:35:33/ MessageType: Suggestion /HowDoFind: Web Site search
engine /FoundFrom: altavista / Allan W*/ ies2*@aol.com
/I was considering applying for a
CapitalOne
credit card but reading your web site has
put me off for life!! That was a close call!!! Thanks a bunch!! |
|
23 Jul 2003 19:04:21/ d. wright / djw*2@yahoo.com / 301-***-****/I
am a card holder of
CapitalOne.
I have been trying got nine days to file a claim with payment
protection. everytime, I would call they would give
me the wrong information to file my claims. I even experienced on 7/22/03
where someone without my knowledge cancelled my payment protection
insurance. I spent almost four hours on the telephone line speaking with
payment protection trying to find out how and why someone was allowed to
cancel my insurance. they could not give me a valid answer, instead they
tried to say, it was cancelled by me the cardholder. they cancelled my
payment protection insurance on the highest card balance without my
knowledge. I have five credit cards through capital one bank and they all
have credit protection insurance on them, why
would I cancelled insurance on just one card? the reason, i pay payment
protection insurance is to protect my self. I had no reason to contact the
payment protection insurance prior to a couple of days ago in order to
file a claim. they allowed someone to cancel my payment protection
insurance in February of this year. they did not notify me of this
fraulent activity on my account. they transferred my to be re-enrolled
again in the payment protection plan. i should have never been dis-enrolled.
I had to defend my self against their mistakes. two of my credit
card payments are due tomorrow and i still have not been able to file any
claims. I spoke to someone again today and he agreed to sent me the claim
forms through the mail. he told me to notify the credit card companies and
that they would take care of any late fees and protect my credit. I have
printed out all the information concerning the web information given to me
by the payment protection insurance to prove that the filing claims
information given to me by them is not legimate. I feel like I am being
pushed off from filing an unemployment claim. |
|
17 Jul 2003 22:49:33/ MessageType: Problem /HowDoFind: Friends told / PAT
R*/ PATTA*/ 845*******/ WENT TO PAY A BILL ON THE
FIFTH WHERE MY BILL PERIOD IS THE 6TH OF EVERY MONTH THE NASTY PERSON TOLD
ME I WAS BEING CHARGED THE LATE PAYMENT I AM BETTER OFF PAYING BY MAIL I
SAID WHY THIS IS THE 5TH HUNG UP ON ME THIS WAS 1030 IN THE MORNING CALLED
BACK AND THE NEXT GIRL SAID I WASN'T BEING CHARGED AND TOOK MY PAYMENT BUT
PUT IT IN THE 7TH AND I WAS CHARGED ANYWAY IN MY NEXT STATEMENT AND MADE
ANOTHER CALL TO TALK TO A SUPERVISOR AND SHE SAID SHE COULDN'T DO NOTHING
FOR ME IN THE MEAN TIME I CLOSED THE ACCOUNT BUT THE LATE PAYMENT
IS STILL THERE THEY CAN NOT DO THIS TO PEOPLE
THEY GET THEIR MONEY ON TIME AND PUT IT IN WHEN THEY WANT TO SO YOU PAY
LATE FEES SOMETHING HAS TO BE DONE THANK YOU |
|
14 Jul 2003 19:52:56 /Cari / Gir*@aol.com / 410-***-****/
They got me on all four of my cards when I am trying
to use my Payment Protection. Stating that at
the time of my loss, I was not protected. They are making me crazy, so
crazy that I just ignore the bills. They can do whatever they want,
obviously they already have to many people. Let them ruin my credit, it's
ruined anyway right now. It's repairable. Cari, U need to fight
the Evil
CapitalOne
ASAP!!! or
CapitalOne
will debt U to death! ( a 11-years old kid got credit card with
$1,500 credit limit and his mom had to pay the charges when the
11-years old maxed the credit limit. 1 college boy killed himself in
dormitory with spreading over his bed for $13,000 debts over 7
CapitalOneCard,
1 college girl moved back to her mother and still hung herself with
spreading over statements over her room for $4,000 debt over 1
CapitalOneCard.) |
|
7 Jul 2003 15:09:48 /MessageType: Problem /HowDoFind: Web Site search
engine /FoundFrom: ask.com / Beth H*/
beth*@ctb-bank.com /
318*******/ I just closed my
CapitalOne
credit card but or I tried to close it anyway...after i called them to
close the card, they came up with a debt that was charged off by another
credit card company 12 years ago and they are trying to make me pay
it...Can they charge me more interest? |
|
1 Jul 2003 16:19:20 / evette c*/
barton*@earthlink.net /late charge fees !
over the limit fee ! charges for several different other accounts eg.
payment protection I've heard enough of these
late charge fees (no matter when u mailed in
the payment, u r always late) over limit fee
(yea, then the over limit fee rolls in, u don't even know which fee to
protest first...)! but what's this payment
protection? protect what? protect who?? |
|
6/24/2003 12:52:07 PM /VilleladyX / I would like to
know some more information on the lawyer who took these cases. I would
like to contact him for my mother and I. We have just stumbled onto this
website 6-23-03. It seems as though this lawsuit took place in 2000, but
there are still people out there that have no clue about what is going on.
So, someone please email me and let me know something.
CapitalOne
charged off my account, but yet the charge off is still revolving. My
mother (who is now on disability), is being charged in the same manner.
She is also being charged for using the card for getting cash; which she
has never done. So, if anyone has any information, please do not hesitate
to let me know. Thank You Soooo Much, Jennifer B*/K* England NC |
|
20 Jun 2003 13:48:20 /Kris J*/ Kj*@netscape.net /I
made a settlement with
CapitalOne
in January, 2003. I closed the account and thought I paid off the agreed
amount. I received a statement with a balance of $650.00.We're in June,
2003 and I am disputing this but there are still charges and fees that
keep occuring. This account should have been closed 7 months ago and the
balance should have been zero in April!!!!
CapitalOne
is the worst bank I have ever dealt with. They are greedy liars. Anyone
who has a
CapitalOne
account should cancel it right away or transfer the account to a more
reliable bank. Get away from
CapitalOne
immediately!!!! |
|
16 Jun 2003 18:50:21/ Joann W*/ 501-***-****/ Yes
CapitalOne
did not give me proper credit raises. |
|
5 Jun 2003 04:22:25
/HowDoFind: Web Site search engine /FoundFrom: Ask Jeeves /Ms. Chris M*/
cma*@msn.com /This is not in regard to the class
action lawsuit but I would appreciate it if someone could give me a little
information regarding my having to default on my
CapitalOne
unsecured
credit cards? I need to know how to proceed if I need to at all. Just a
little info on my situation. I am a 50 year old lady on SSI Disability. I
had 2 accounts with
CapitalOne.
One for $7500. and another for $2500. I draw about $500 per month. I was
keeping up the best I could on my accounts but major car repairs, food,
cleaning products, gasoline for trips to doctors and other unforeseen
problems soon raised my limit to where the my payments were less than the
interest charged per month. In August of last year, 2002, I went with a
Consumer Credit Agency, which I now regret but it seemed like a good idea
at the time.
They failed to
get me a lower payment but said my account would be paid off sooner.
They said they got CapOne down to 5% apr. From August to December I paid
my account with Debticated on time but my account balances were going
higher not lower.
The interest
was beginning to take over.
I called
CapitalOne, Debticated said this was up to me, to ask them to re-age
my accounts. They would not and they were very rude about it. That is when
I finally threw in the towel. Now my accounts have been turned over to a
legal firm in Cleveland, Ohio who is bound and determined to take me to
court. The attorney handling my case is as rude as the reps in the
re-aging dept of CapOne who were the straw that broke this camel's back.
This is my question: what can be done to me? What penalties can the court
apply to me? I don't have the money now and I won't have it if they take
me to court, so what do I do? I do not own a car, I live in subsidized
housing, I am on Medicaid, I receive food stamps, I receive assistance on
my electric and phone. What can they do to me? Other than going to jail I
do not know what they expect from me. I have told them my situation but
they are still hellbent on proceeding to file suit against me. Reading
some of the complaints from other CapOne account holders I must say I
agree with them. They have extremely rude customer reps and they are a
very unfeeling organization when it comes to the misfortunes one
encounters. I never had to ask for credit with
CapitalOne.
They sent me a
notice saying I was pre-approved and just to check a box.
I am sure if they did ask for an "employer" I did put down SSI Disability.
But, I don't believe this ever came up. So, am I headed for jail or what?
Any help you may give will be greatly appreciated. I have cut back and cut
out everything possible just to exist from month to month. I have numerous
physical problems and severe depression plus other problems. After the
untimely passing of my mother, I had an emotional breakdown and have had a
couple of relapses since. I am in chronic pain 24/7 365 days a year due to
major back surgery and other related illnesses such as osteoarthritis. All
of this with
CapitalOne and now the legal firm is just about to cause my last
nerve to snap. When I accepted
CapitalOne's offers I really thought I would be
able to take care of my financial obligations. I did not do this intending
to run up my accounts and then default. I truly did not. But, s*** happens
and now I find I simply cannot repay my obligations. Any help you may
offer will be deeply appreciated. Thank you. |
29 May 2003 19:22:57
/Chris
B* /
b*@cheqnet.net /715-***-****/ Because of a car
accident (I am a commissioned based sales person) Our
CapitalOne
accounts went over due. They then went to a charge off. I finally
recovered and received my settlement and wanted to pay off these accounts.
I was unable to receive either a return phone call from the recovery
service desk (James at ext: 405-61-39) nor from the Attorney's that are
handling the case. This has caused us several problems in trying to obtain
a car loan which we desperately need. I have called over the past two
weeks. My husband has been trying to pay his off for over 3 months. This
is an abuse, I have already been through enough, I have been trying to get
on with my life and now this happens.
It is strange that the cards balance's got so high as neither my husband
nor I were charging anything on these cards and we could not pay them off
fast enough. For instants
my Husbands card which I had paid down to less than $150 had a final
balance of $700. They say this is late fees but it seems like a great deal
of money.
I am very disappointed and feel like we are caught in a trap. |
|
19 May 2003 06:35:46
/HowDoFind: Web Site search engine /FoundFrom: dog pile / Thomas A. H*/
Maha*@aol.com /(805) ***-**** cell(805) ***-****/My husband had
CapitalOne
charge him
late charges for bills that had not arrived and then
piled other fees and called and yelled at him,
promised to correct and never did and called and threatened his
wife and called and told a visitor that he better
call if he cared for his reputation and that he better pay up etc. still demanding to pay and he has not paid the late fees
but the bills. A
two year harassment from month one and has not charged in years
and still piling fees and calling house and even calling late at night.
Hagman is a retired Banker who was a CEO at his last position in Beverly
Hills so he understands they are breaking the
consumer and credit laws and has told them so
and they do not care and said so.
He would make a terrific witness and help in a legal action. He also has
documented their activities. |
|
19 May 2003 01:53:27
/ Flora
S*/fsm*@hotmail.com
/316-***-**** /CapitalOne
is the most
difficult company to do business with that I have ever dealt with. I'm
trying to get a payoff on my loan but I get no response from them. I've
tried writing to them, calling them, reaching them online but I get no
response. What can I do about this? I have been trying to get a payoff for
three months now. I have no idea what my balance is. |
|
18 May 2003 04:26:01
/Christine R*/
christine_*@hotmail.com / 414-***-****/The people who work for
CapitalOne
are rude and
don't let you get a word in at all, they make you feel like a ant they can
step on with no regret on the problems you are having at the moment, not
really helping you. Adding on fees and not paying
off the account even if you pay 100.00 or 75.00 dollars. If
they give me a bad rating and I do lose my
job and can't get one in the future or if my father or husband get heart
attacks because of this, I will sue them for harassment, since my husband
and I didn't know of this litigation beforehand and we have
CapitalOne
cards right
now. If they continue on the path they are going, I may with others help
put a ad in the newspaper warning people about them. It was fine, until I
had a pay cut and my husband lost wages with the world like it is today,
but being ripped off like we are is not right for any company, no matter
who they are. |
|
18 May 2003 03:12:02
/Joel
F. H*/
joelh*@hotmail.com / 909-***-****/ I am a
CapitalOne
customer. The
problems that were stated in your article are correct.
Over limit fees and late payment fees made it almost
impossible for me to lessen the amount owed to them. I am now going
through a divorce and just had a heart attack, thus it is even harder for
me to deal with these people. I believe that they have their own
collection department and this department will not negotiate any term of
payment except full payment immediately. |
|
15 May 2003 15:14:18
/HowDoFind: Web Site search engine /FoundFrom: Webcrawler / Amie C*
rayn*@hotmail.com /(905)***-**** /I'm the roommate of someone with a
CapitalOne
Card. She
didn't live with me when she got the card and didn't live with me when the
hassles started. Now she does live with me and I'm
going through AMAZING MENTAL ANGUISH due to the collections practices of
this company. When they call me at nine in the morning and I tell
them that my roommate is sleeping, I'm told that I'm "full of crap" and
that they will keep calling back until they reach her. Then I told them
that I work midnights and was again told I'm full of crap. Then I started
getting mad and I was swearing at the gentleman and he asked me if I talk
to my mother with that mouth and when I replied no because my mother had
died, he said that she probably died because of my mouth!!! Now this was
the third time he'd called in 10 minutes and I wasn't being serious when I
said my mother died but if I had or if he said this to someone who's
mother had passed on, could you imagine what they would be feeling like
right now??? I'm so disgusted and pissed right off at this company and I
DON'T EVEN HAVE A CARD WITH THEM!!! What can I do?? |
|
14 May 2003 20:43:45
/HowDoFind: Web Site search engine /FoundFrom: ask jeeves / vanessa /
vanessa.j*@gs.com /718-***-****/I was a CapitalOne
card holder
and I find everything these people are complaining about to be true. the
interest rates are too high. I was promised no
interest but that was a lie - I ended up
paying double my limit to pay it off. the interest was so high I
had to enroll into a debt consolidation just to get the rates lowered and
that even was a killer |
|
5/11/2003 8:03:17 AM /
/ I
take it that you are the owner of this web site. I fully intend to join a
civil suit against CapitalOne
. You seem to be the
expert ... which would you suggest?
Dear
Brad, no expert is able to close CapitalOne
down yet. The vampires are expending their bank to
UK'
Canada and other counties (CapitalOne
is the reason why Europeans hate US!)
We can still see CapitalOne
's "Terrorist Attacks" TV commercial hitting us everyday to tell us how
Cheating and EVIL their CapitalOneCard
is! Please try this
http://ktvwap.com/capital1cardVoice.htm and DO
let us know what
happen after you do this! Thanks. |
|
4/19/2003 3:52:15 AM/
/They
turned my acct over to a company call
financial management
services and
last nite they called me and verbally threatened me! CECILIA J* |
|
4/9/2003 12:18:48 PM/Kefty and LeJanne E* /k*andl*@aol.com
/775-***-****/My husband and I both have
CapitalOne
cards and we too have had issues with late fees when there should not have
been any. At this time, my husband is fighting with them because a
late fee caused the account to go over the limit and
they are now charging over the limit fees on top of the other fees! |
|
2/16/2003 1:04:12 PM //I had a
CapitalOne
account that was for $200. They are still
harassing me for something that I do not owe them. They are now saying
that I owe them $1097.00. Where did this
come from.
CapitalOne
is a ripe off. I was a high school student
with no job when they sent me this card.
CapitalOne
has not only done this to me but they have
also done this to my mother and many others of my family.
Because of
CapitalOne
my credit has been ruined and it prevents my from making major purchases
in my life like buying a home. This is a debt I did not create. |
Tue, 07 Jan 2003
01:45:09 /Kerry P* <kpp*****@shaw.ca>/Getting
screwed!/
CapitalOne
will not send a full statement. I have been
off work for over a year. My insurance Co. is sending me statements of
what they have paid to
CapitalOne
,
yet they do not show up on my
bill!!
I owed about $4700.00, I am now at $5201.55 I would like to know where
the $1000.00 (approx) went, that the insurance has paid them?
We have not used our card for over a year. And NEVER WILL AGAIN!!
Conny A. P*
Kerry P. P*
Cranbrook B.C.
Canada
v1c 3e7
|
|
4 Jan 2003 14:31:12/
millie w*
m*****2137@aol.com I have 2 accts. with
CapitalOne
and on both they had the policy protection plan which I knew nothing about.
then I find out it is for people on permanent disability which I am and
should have paid off cc well had papers filled out by dr. then
CapitalOne
told me
I was a year too late.
|
4 Jan 2003 20:56:49 /HowDoFind:
Web Site search engine /FoundFrom: askjeeves.com /Jim B*
jim*******@consult***.com
/206-***-**** I am so upset at
CapitalOne
. I have a credit card with a 700.00 credit line it being almost paid off
123.00 never late, and as a mater of fact
they sent me another credit card which I had declined, but they sent it
anyway, with a 300.00 credit line.
I saw the commercial for their platinum card and wanted to transfer the
small
CapitalOne
balance over and my American Express Blue Card balance of 673.00 over
because of the interest they are offering. Wow to my surprise I received a
form letter stating that I was not qualified because of my balances owed
to bank cards...what the hell is this about I have two cards, I am so mad
I can spit nails but have decided to mail my complaints on to the CEO and
some other people. I am in the very good position to post this information
without blame, as I am involved with the Better Business Bureaus of
America, and my sister is a consumer reported for a local affiliate of
CBS. She has had bad experiences with these monsters I guess, hasn't
everyone, I know
they just closed a call center here in my area due to some problems.
I would to join a class action suit, they have treated me so unfair. Its
OK, I have heard that
some top officials in their organization are in real trouble with some
agencies....they (the top officials) will probably to the right thing and
commit suicide or be bumped off by a pissed off customer,
and gee if I were any of them I would not really be to quick to let people
know who you work for. Kind of keep it to themselves when things go wrong
or they have screwed up, sound like some of the ranking elected (by whom)
officials...
I feel better now.....
|
|
1 Jan 2003 01:44:58 /P*
, JOHN
OIL****115@HOTMAIL.COM 405-***-**** I AM IN THE
US MILITARY AND I HAVE BEEN OVERSEA FOR THE PAST YEAR AND A HALF WITH NO
MAIL. I JUST GOT BACK AND I'M TRYING TO GET ALL MY BILLS PAID BACK , BUT
I CAN'T GET THEM TO RELEASE ALL THE BACK
INTEREST FOR THE CARD AND LATE FEE'S, PLEASE HELP
|
