Capital One - Capital One Financial/BRW172, Joel D. Amey Identity Theft, Tried to rip me off on my Credit Card Account Salt Lake City Utah

It was from Capital One Feb. 14, 2007 statement we first noticed some charges from merchandize we never heard of before. My wife encircled those charges (5 items) and sent our payment subtracting the disputed total amount. When we got the March 14 statement, not only did we see those items we disputed earlier but a lot more were added anew. My first complaint letter went out to them on April 2, 2007 for 1. Not crediting us with the full amount that we earlier demanded; 2. For charging us a Finance Charges and Past Due Fees associated with the portion of previous claim which they disagree; 3. To dispute six (6) more items, including those appearing on Feb. 14th statements.

On April 10 we received a response acknowledging us a credit for only one item $29.95. Almost an identical letter from Joel Amey, Salt Lake City, Capital One, dated also April 10th, has credited us for $39.95. On April 18th, apparently acknowledging our April 2nd letter, credited us all six items and cancelling some Finance charges associated with it. April 23rd, we re-sent our April 2nd letter but now was adjusted to reflect those disputed items they ceaselessly ignored. Not until May 9th followed by May 16th did we get letters telling us same thing that the monthly subscription amount of $99.99 from Rhapsody Unlimited is valid, proof of which is an invoice with my name and address and my Visa last 4-digit number. This is no different than those six or more other merchants I'd never heard of, even so, they know my Visa card number (identity theft could only be possible if Capital One sold my identity to them). Otherwise, “valid” only means, if proof of authorization is by me and not Capital One or their merchants. Interestingly, most of the merchants allegedly trying to rip me off have their office addresses in Salt Lake City, Utah. If they hold office in the same building as Capital One does, that would be really strange but I think that is one clue if classified information flows freely between Capital One and those merchants.

On October 20th, I sent back all Credit Cards issued in my household (broke them into two pieces) and asked Capital One to cancel my accounts and asked that I be left alone and no interests to do business with them ever again. Later, for over two (2) months, phone calls (no less than 10 calls a day) from their collection agencies, Signet Bank and Total Debt Management (TDM) started a campaign of harassment and wreck me to pieces. They also wrote me that my account was written off as an uncollected debt on December 15, 2007 and reported it to the credit agencies; that due to the status of my account, interest was assessed daily.

Ultimately, I had to threaten to hold them liable for harassment and because I got so sick and tired ripping me of, I reminded them about their “No Hassle Miles program” that they ought to send me a check for $375.00, having denied once, saying: “My account is not setup to allow rewards purchases”, when trying to claim for it. I assured them at that time that a RIPOFF REPORT will be filed, but I never did. Consequently, now is the time I can no longer hold it, or dutch a complaint same to the FTC.