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Blood Sucking
Evil
Bank
What's in your wallet?
Sue the
CapitalOne Bank! This Capital1Card'
NO-HASSLECard'
MilesOneCard
ruin our life!
DebtYouToDeath.
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Dear
Blumenthal & Markham: I've received your Claim form for Allec v. Cross Country Bank Unfair Business Practices -- Deceptive Advertising, Orange County Superior Court Case no. 802894 Department 67. The final hearing will be held on Sep. 30, 2002. Ongoing cardholders and former paid-off cardholders must submit claim form to Cross Country Bank Claims Administration by Oct. 31, 2002 in order to obtain Settlement Benefits (Not exceed a maximum of $2,500 for any single plaintiff ). My
question is that if I submit this claim to apply for settlement benefits
in this lawsuit, do I still get to sue Cross Country
Bank EXTRA?? http://www.BadServices.com p.s. Gillions of CapitalOne angry victims are screaming at http://www.capital1Card.com , http://www.NO-HASSLEcard.com , http://www.milesOneCard.com , Please let us know if you want to take care of this Blood Sucking Evil Bank after you finish Cross Country Bank. Dear CapitalOne victims: You may think your story with CapitalOne is different, but let me tell you exactly what CapitalOne's been doing to every victim (YES! INCLUDING YOU!!): CapitalOne need to create all kind of traps and tricks to make you pay at least $500 on you account. Why? Because it cost CapitalOne at least $500 to get you become their CapitalOne NO-HASSLE card holder! You don't pay up to $500, they consider they lose money on your account! You won't get your credit limit increased! You won't get your account closed even you pay off the balance and cancel it. NO WAY! Another crucial trick that I need to tell you is: By law, you only allow to sue them for the current events occurred within ONE YEAR! Any trick CapitalOne got you, if it's over ONE YEAR, BINGO! it's FREE crime! CapitalOne will hold on it and keep charging on you FOREVER! Debt you to death. (The sad story is: In the first year, you always do your best to pay all the charges they trapped on you, you want to be a good cardholder so they will increase your credit limit, you want to pay all the fees they tricked on you so they won't post your credit report bad, and you never realized that by law you only allow to sue them in the first year! How much is your credit limit? $300 or $500? and how much fees total they charged you in the first year?!) Sue them NOW!! You only have ONE YEAR to sue these Out-Laws until they are Out-O'Business: hostmaster@CAPITALONE.COM , domainmgr@capitalone.com , webinfo@capitalone.com , hostmaster@COUNTRYWIDE.COM , webmaster@progressive.com, maverick@capitalone.com |
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I wish to update you on a bill in Congress that has been advanced by
corporate America, and, if enacted, will undermine the rights of
consumers, employees and civil rights plaintiffs to bring and prosecute
their claims in their communities. The bill is numbered Senate Bill 274 and deceptively named the "Class Action Fairness Act." It is actually a cynical attempt to aid corporations under the disguise of class action "reform." Senate Bill 274 is not fair to anyone but business defendants who don't want to be accountable to plaintiffs in state court. The bill would allow large corporations to remove virtually all class action cases filed in state court to federal district court and hand defendants numerous new procedural advantages over plaintiffs in federal court class actions. It is expected that there will be a vote on the bill in the U.S. Senate in the near future. Today, please contact your Senators and urge them to OPPOSE Senate Bill 274. To do so, please click http://www.citizen.org/fax/background.cfm?ID=177&source=19 to visit the website of the non-profit organization Public Citizen. From this page, you will be able to send a fax free of charge to your Senators voicing opposition to the bill. If you wish to learn more about class actions and Senate Bill 274, feel free to visit http://www.lieffcabraser.com/about.htm Over 400 corporate lobbyists have been aggressively pushing for the adoption of Senate Bill 274. These lobbyists, however, are no match for the will of citizens across America who are committed to protecting consumer, employee and civil rights. I thank you for considering my request on this important issue. Very truly yours, Stephen Cassidy Attorney Lieff Cabraser Heimann & Bernstein, LLP 275 Battery Street, 30th Floor San Francisco, CA 94111 www.lieffcabraser.com |
| 8/27/2003 1:17:48 PM/ D*@cbsnews.com / Dear Sir: I am a producer at CBS News and I am trying to do a story on bad customer service. I would love to talk to you. Can you either call me at 323-***-**** or email me and I will call you. Thank you. Diane R*/ producer CBS Evening News |
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Dear
Diane: Thanks for your email. I'm a victim of some major bad services, and therefore post these http://www.badServices.com' http://www.capital1card.com ' http://www.crossCountryCard.com over years. Because I disputed their evil charges and fees and cancelled all of their credit cards, CapitalOneCard hided my payment checks 3 times (7/98/$666.79' $79.95' 10/98/$67.39) in 4 months, post me bad credit 32 times in 24 months, and scheduled to list my third card account report until year 2006 (second card they scheduled to list until 2005). My credit is so BAD that I could not even get any department store card! Cross Country Card gave me an offer "No credit or BAD credit? NO PROBLEM! $100 fee for Cross Country Card of credit limit $500". Since it's my only chance to get a credit card, so I applied! It turn out to be $150 (after fees and charges or whatsoever) for a card I never see! I report the card must be lost and agreed to wait for second card. Then the nightmare started!! The bank harassed me to pay $300 (because I applied their card TWICE) so they might mail me a card? After I disputed them calling my home everyday, they got my new job number and called my new office everyday and hogging the phoneline, my boss finally told me "improve the office behavior or else leave the job". I chose to leave the job and post these webs to fight these evil CapitalOneCard and stupid Cross Country Card. Lots of victims post their complaints on these web everyday. And I keep wondering, when will we be heard? Cross Country Card is still doing their vampirism business in a name of Applied Card Systems !! Capital One Card changed their card into "No-Hassle Card" and started to air their TV commercial as "No-Hassle Card". They also pre-registered the web site domain name "noHassleCard.com" 10 years (so I wouldn't get the chance to post their new card ?!), but I figured out they do have "-" between "no" and "hassle", so I registered http://www.no-hassleCard.com and http://www.applyCardSystems.com .
I started
http://www.CapitalOneCard.ca
and
http://www.CapitalOneCard.us
because I also received the complaints from Canada
and England UK. Yes!
CapitalOneCard
not only reach their business into auto-insurance' house loan, they are
opening other countries!
CapitalOneCard
is the main reason why European hate US.
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9/2/2003 1:17:48 PM/
FJH@cbsnews.com / J.Y., please give us your victims over Los
Angeles area so we can arrange a group interview for the story. Thank
you. Sandra H*/ producer CBS Evening News Sandra, I'm emailing u all the victims with 213 or 818 area code. (They emailed me the info, I post their complaints with first name basis only, NOW it shall be the best time to tell their story AGAIN, Los Angeles viewers! Please email me ASAP if u want to post your story!!!!! |
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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: DOn't wait! Sue them today!! It only cost u $22 to drag them to the court!! 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 enough info to attack and they can always add more damage when they see u r still fighting!! The viewers who emailed me and still haven't see your message post today, please email me again. (please download the newest virusScan to clean your pc, it's infected with a newest worm, an unauthorized person can remotely download and run programs on your computer, stealing confidential information from you, or use your computer to send spam. ) Ever since I post the messages about TV news interview, I'm getting and fighting hundreds of spoofing spam every day, finally got it clean up until Sep.11, finally Jamie's email is fine to open. (Email me again! They don't want me to get your message, u just need to keep on trying. It did not surprise me when these spoofing spams strike right after the TV news producer's message, I'm just amazed that we finally made my web virus free and the first email made it at Sep.11, somebody working on the web site must had done something helpful for this special date. If u can never able to email me, u need to clean up your pc until it's worm free.) This worm infects other computers by sending a copy of itself to all
the e-mail addresses it finds on the infected computer. The worm then
forges the sender's address by randomly selecting one of the e-mail
addresses to pose as the sender. Because the worm on your friend's
computer picked your e-mail address as the sender, you are receiving the
messages from the recipient's Internet service provider informing you that
the e-mail that you supposedly sent was rejected. IF I AM GETTING THESE MAILER-DAEMON MESSAGES, AM I INFECTED WITH THE
WORM? The best way to remove the worm is to update your anti-virus software and run a complete scan of the hard drive. If your anti-virus software finds a virus, follow the vendor's instructions for removing the virus. |
| 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. |
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8/22/2003 9:12:05 PM Pacific Daylight Time/I
too am fed up with
CapitalOne
/
Cap1Sucks@w*.com /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!! |
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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. |
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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?
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 |
| 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. |
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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? |
| 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 |
| 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* |
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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. |
| 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!! |
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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 |
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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 /
brad_h*@charter.net/ 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://www.lieffcabraser.com/capital_one_contact.htm and DO let us know what happen after you do this! Thanks. |
| 4/19/2003 3:52:15 AM/ cj*@tds.net/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 /Inis H* L* <DCL2****@msn.com>/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 |
| Where is the Law when you really really need it ?! |
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