- Report: #679671
Report - Rebuttal - Arbitrate
Complaint Review: CAPITAL ONE CREDIT CARD
CAPITAL ONE CREDIT CARDInternet United States of America
CAPITAL ONE CREDIT CARD Oh! Your APR Rate?? OF COURSE we MIGHT lower it., Internet
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IN MY ENTIRE 66 YEARS, I HAVE NEVER HAD SUCH AN AMAZING RUN-AROUND IN A BUSINESS MATTER; NOR HAVE I EVER BEFORE ALLOWED MYSELF TO BE AS "RIPPED OFF" AS I HAVE WITH CAPITAL ONE CREDIT CARD!
I HAD MY CARD FOR A FEW YEARS; NO PROBLEMS WITH PAYMENTS OR ANYTHING. THEN ONE DAY ABOUT 8-9 MONTHS AGO, I NOTICED THAT MY APR RATE WAS 29.8%. YIKES... MUST BE AN ERROR, RIGHT? I CHECKED MY OLD HISTORY, AND SURE ENUF, THE RATE HAD BEEN 12.9. SO OF COURSE I CALLED THEIR CUSTOMER SERVICE #.(THIS PART WAS BEFORE THE NEW 2010 LAWS STOPPING SUCH RAISES WITHOUT CAUSE.)
FOUR TIMES - I WENT THRU PHONE CUSTOMER SERVICE (WHICH I AM SURE IS INTENDED TO BEND YOUR BRAIN INTO SUBMISSION THRU PAIN). FIRST, WAS TOLD "SO SORRY... WILL FIX THAT... YR NEXT MONTH'S STATEMENT WILL SHOW CORRECTION." SECOND TIME: "OH NO, WE FOUND THAT YOU HAD PAID LATE ONE MONTH (COULD NOT DEFINE THE MONTH FOR ME!), SO THE RATE IS THERE FOR THE NEXT SIX MONTHS."
I WAS NEVER ABLE TO FIND MY ERROR, BUT PUT IT DOWN TO MAIL SYSTEM OR MY OWN ERROR. SO WAITED FOR 6 MONTHS. CALLED AT END OF 6TH MONTH TO CONFIRM CORRECTION. "OH NO, CANNOT DO THAT... YOU PAID LATE." I INSISTED ON A MANAGER/SUPERVISOR (WHO SPOKE ENGLISH). THAT MANAGER REVIEWED ALL, GAVE ME HER NAME, SPOKE CONFERENCE CALL WITH THE CUSTOMER SERVICE AND ME... AND MADE CORRECTIONS TO MY ACCOUNT - AND APOLOGIES FOR THE PRIOR MISTAKES. EVEN GAVE ME A CLEAR CONFIRMATION # AND A CLEAR NAME FOR FOLLOW-UP IF NEEDED.
AND TO PREVENT ANY ERRORS, BEGAN PAYING ONLINE. THEN THE CORRECTION WAS NEVER MADE. CALLED, USING CONFIRMATION # AND THE CONTACT NAME. "OH NO, MA'AM, WE CANNOT FORWARD YOUR CALL TO A SPECIFIC PERSON." "NO MA'AM, THERE IS NOBODY HERE BY THAT NAME." "NO MA'AM."
TODAY, REACHED SOMEBODY (SHEESH!) WHO SAYS THEY CAN FIX EVERYTHING! I TOLD THEM I WOULD BE CLOSING THE ACCOUNT & TRANSFERRING BALANCE TO ANOTHER CARD. "NO NEED, MA'AM! IF YOU WILL STAY WITH US INTO JUNE OF 2011 AT YOUR CURRENT RATE, WE HAVE A SPECIAL SALE WHICH WILL ALLOW US TO PERHAPS DROP YOU TO A 10% RATE!"
ARE THEY NUTS?????JUNE 2011? "MAYBE"? "PERHAPS"? WHAT A RIPOFF THEY ARE PLAYING. THEY MAY FOLLOW THE NEW LAWS ("PERHAPS") BUT THEY ARE AMAZINGLY ARROGANT WITH THEIR NASTY TREATMENT OF CUSTOMERS!!!
This report was posted on Ripoff Report on 01/06/2011 04:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/CAPITAL-ONE-CREDIT-CARD/internet/CAPITAL-ONE-CREDIT-CARD-Oh-Your-APR-Rate-OF-COURSE-we-MIGHT-lower-it-Internet-679671. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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