• Report: #132453

Complaint Review: Capital One Bank And TSYS, JDM Total Debt Management

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  • Submitted: Wed, February 23, 2005
  • Updated: Sat, February 01, 2014

  • Reported By:Sedona Arizona
Capital One Bank And TSYS, JDM Total Debt Management
P.O. Box Addresses Nationwide U.S.A.
  • Phone: 800-955-7070 Cap 1
  • Web:
  • Category: Banks

Capital One Bank And TSYS, JDM Total Debt Management Capital One Bank and TSYS Debt Collection Ripoff commiting fraud exorbitant fees double billing and ruining credit report with misinformation Richmond Virginia & Norcross Georgia

*General Comment: TSYS & JDM

*Consumer Comment: Use the laws set up to protect consumers

*Consumer Comment: Capital One Bank and TSYS

*Consumer Suggestion: Write to the Comptroller of the Currency

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I am experiencing problems with both Capital One Bank and TSYS, JDM Total Debt Management. I filed a complaint with the FTC, but it seems they do not do any investigations to resolve problems. My credit card went to collections on 2/21/03 to TSYS, a third party collection agency. Capital One has double billed me for transaction fees (which there were no transactions for almost 3 years made by me on this account), late fees, finance charges on the same amount to the tune of an additional $1600..

I paid the TSYS debt of $3100. in full to TSYS on behalf of Capital One in December 2004, through monthly payments over the course of almost 2 years. Neither company will reveal to me their professional relationship specific to my account, after several requests. The payments sent to TSYS were somehow sent to Capital One, as they cashed my checks. I have sent about 10 - 12 letters to both Capital One and TSYS. Capital One will not answer the questions in writing, leading me on a wild goose chase and TSYS has never replied to any letters and has sent one misleading and fraudulent letter saying the first time they contacted me was 5/03 and charged an additional $790. from the original notice of 2/21/03. I disputed it and requested the letter they said they sent me two weeks prior, which was never sent, and after 3 requests, I gave up, for they never, ever replied, pretending the first contact was in May and not February.

I notified Equifax and Transunion that the info. from Capital One, saying I had exceptionally late payments, and that I still had a balance with them is incorrect. This was sent to them in 1/05. The response from Transunion is that they will check to see if what I sent to them is correct. Equifax has not replied.

Letters were sent certified to both Capital One and TSYS requesting their professional affiliation regarding my account and to TSYS requesting an itemization of the monies I sent to them and what they paid to Capital One, per suggestion of the FTC.

Capital One replied and said they had not received payment from TSYS, though my bank statements indicate that Capital One cashed the checks sent to TSYS. They never responded to the question as to the professional association/affiliation/relationship with TSYS. TSYS never responded to the letter sent to them and received by them on 1/24/05. According to the TSYS website, which is quite extensive, they are a third party collection agency for Capital One Bank.

Do you have any suggestions as to how I may best proceed? I cannot afford an attorney. I sent the info. to but they never replied. I do not feel I owe all the additional fees from Captial One bank and my balance should be zero. Any ideas on this?

Sedona, Arizona

This report was posted on Ripoff Report on 02/23/2005 08:14 AM and is a permanent record located here: 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 General Comment


AUTHOR: anonymous - ()

JDM also bought the TSYS building in tempe from "themselves", under a different llc they formed.  They lowered the value of the building, land, and then sold it back to themselves.  They then re leased it to TSYS, who benefited from lower lease, and lower taxes.

TSYS did this while acquiring NETSPEND, they audited their pension account themselves until it was brought to their attention this is not legal.  Then they paid 4 million dollars to have their pension fund "audited", so as to pass inspection.  Meanwhile all the executives at TSYS paid themselves bonuses equivilent to the amount of money that was saved on building sale and lease agreement, and to pay for company netspend 

TSYS also filed the ftc s8 report using wrong sic codes and company codes, thereby bipassing the stricter banking regulatory codes


TSYS also gives new employee id's to their employees on w2 statements so as to block auditing, so they can make up figures for irs purposes

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#2 Consumer Comment

Use the laws set up to protect consumers

AUTHOR: Dave - (U.S.A.)

Carolyn, If you have'nt already done so dispute the information in your credit reports. The FTC has a link that allows you to get a free copy of the three major CreditBureaus.

when you dispute the information give the credit bureau as much information on the debt as possible

read the Fair Credit Repoting Act and form your opinion based on what you think it states as your rights. section 1681i

Recommended reading for any consumer title 15 U.S.C (United states code) chapter 41 subsections 3 & 5
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#3 Consumer Comment

Capital One Bank and TSYS

AUTHOR: Carolyn - (U.S.A.)

Thanks Ruth. Can you tell me what the Comptroller of the Currency does?

Thanks!! And, I really appreciate you taking the time to respond.

Sincerely and with Much Gratitude,
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#4 Consumer Suggestion

Write to the Comptroller of the Currency

AUTHOR: Ruth - (U.S.A.)

Write to the Comptroller of the Currency.


Comptroller of the Currency
Customer Assistance Specialist
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050.

They should be able to help you. I had issues with FCNB, and I was able to get credited what I had coming to me.

Don't give up and good luck.
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