• Report: #1020104

Complaint Review: Capital One Credit Cards

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  • Submitted: Mon, February 25, 2013
  • Updated: Mon, February 25, 2013

  • Reported By: sguthery — Brooklyn New York United States of America
Capital One Credit Cards
Salt Lake City Utah Internet United States of America

Capital One Credit Cards Capital One force payoff scam , Internet

*Consumer Comment: Just One More Sick, Sorry Case

*Consumer Comment: You must be kidding

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I have a platinum capital one card I wanted to use to rent a car because it provided insurance saving me $20 a day with the rental agency. At the airport while out of town I called the credit card company to pay down my balance enough in order to have the funds for the rental transaction. I was told the only way for it to go through immediately was to pay western union or moneygram and call them back with the transaction number, all other methods would be the next day.  I was fine with this and found an airport terminal with a western union where I set up this transaction paying over $400.

I called back with the number for it to go through to be told it would not go through for two more days.  My account had been over balance for 28 days which could not be released. So the lie by the first agency was in order to trick me into paying off my entire balance when I could have just paid them $80 as my regular payment.  They tricked me into spending all of my travel money on the card that was not unavailable to me. Also I had to pay for the rental car agencies scam insurance (i don't own a car and have private insurance) this cost me another $20 a day for the length of my trip adding up to another 200.

 I can't split the rental into different transactions and it must go on that scam of a card with capital one in order to get the insurance.  The agents the second time around told me first it would be available tomorrow then realized they were again correct and it would be available in a few more days because of the cut off time and weekend. In response to stealing $600 dollars from me and ruining my vacation they gave me a $35 credit.  
If I had not been lied to in the first call I would have just had to pay the expensive insurance and be done with it.  Now I have paid off a credit card and paid for the expensive insurance because they are scam artists.

This report was posted on Ripoff Report on 02/25/2013 03:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-One-Credit-Cards/internet/Capital-One-Credit-Cards-Capital-One-force-payoff-scam-Internet-1020104. 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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#1 Consumer Comment

Just One More Sick, Sorry Case

AUTHOR: Jim - (USA)

This is NOTHING MORE than another case of a WHINER blaming somebody else for what THEY did.  Where do these sorry idiots come from?  Anybody with HALF A BRAIN would have gotten all their "ducks in order" before leaving on vacation.  I guess the next posting from this cry baby is to say we work for the creditor and he's going to start a class action suit!  Again, how sorry does it get with these losers.
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#2 Consumer Comment

You must be kidding

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

They are "forcing" you to pay your bill, and "stealing" money from your vacation.  I really hope that you are not serious in thinking this is a RipOff.  But I have a feeling that you are very serious, so there is just one word..WOW.  You were over your limit for 28 days, and wanted to rent a car.  So they "tricked" you into actually paying your bill.  So let's just see what they "stole" from you. 

The only reason you had to pay them this money is because you had already BORROWED it from them and are just paying it back..by the way per the terms of the credit card YOU agreed to.  Now, Credit Card companies make money on the Interest of your unpaid balance.  So the only thing you are doing by paying off the money you BORROWED is actually giving them LESS money in interest.  Yet this "stealing" doesn't stop there..you complained and they gave you another $35 credit.    This is not even counting the fact that you were over your limit and that is also subject to an over the limit fee if it remained unpaid.

If this is really a scam they really should fire who ever came up with it, because the idea is to make money..not loose money.  Of course if you still think they stole your money, you should immediately go to your local law enforcement agency and file a report.  When you do I really hope you come back here and tell us what they said.
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