• Report: #372113

Complaint Review: Capital One Credit Services

  • Submitted: Thu, September 11, 2008
  • Updated: Thu, September 11, 2008

  • Reported By:Toledo Ohio
Capital One Credit Services
Capital One Bank P.O. Box 5294 Carol Stream, Illinois U.S.A.

Capital One Credit Services Un authorized withdrawal from checking account Carol Stream Illinois

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

On September 11, 2008 I checked my bank account on-line and discovered that I was currently in overdraft. I am currently un-employed and am having a very hard time. I had only $4.58 in my account and someone tried to push an electronic check for $26.00 through.

I immediately called my bank and discovered that it was Capital One Credit Services. I told my bank that I never authorized this withdrawal and was told I would have to take it up with Capital One.

I called Capital One and after the preliminary info gathering explained that they had tried to withdraw funds from my bank account without my permission which resulted in a $38.00 overdraft fee.

At first, the operator tried to suggest that I had set up automated payments through them. I made it very clear that I had not. The operator retreated from that position and put me through to a supervisor. I explained everything over again and this time the supervisor suggested that I authorized the payment in late August by way of phone.

I did in fact call Capital One in late August to inform them that I was un-employed and could not make a payment and that I was trying to work something out so that they would not continue to attach late fees and such. The operator at that time was not helpful in any way and it resulted in a shouting match. At no time did I ever authorize a payment from my bank account.

When I explained this to the supervisor on September 11, she put me on hold and then hung up on me.
This is what really happened.

Long ago, maybe a year or more, I was in a situation where mailing a money order in to cover my Capital One bill would have been late. At that time I called and authorized a phone payment from my checking account to avoid a late fee. I have done this on occasion with several credit card and utility companies. Capital One then held on to all of my bank information from that one-time payment authorization. When I called in August and had the shouting match with the Capital One operator, he "illegaly" authorized an electronic check in my name and applied my bank info that Capital One had been saving and set it to come out on the 9th of September.
All of these calls, if Capital One is to be believed; are recorded. That means if I had the means to secure the recording of the August phone call I could prove attempted theft.

If anyone has any suggestions they would be greatly appreciated. Also, if you should ever authorize a one-time payment to Capital One (and probably other credit agencies) go in and have your bank account, and routing numbers changed because these companies hold on to this information and will go into your account at their leasure.

Toledo, Ohio

This report was posted on Ripoff Report on 09/11/2008 05:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-One-Credit-Services/Carol-Stream-Illinois-60197-5294/Capital-One-Credit-Services-Un-authorized-withdrawal-from-checking-account-Carol-Stream-Il-372113. 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.

Click Here to read other Ripoff Reports on Capital One Credit Services

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?