I have this card because someone stole my identity and and I've since been in Chexsystems and Telecheck (or whatever it's called). Yeah, to add insult to this financial injury, I've had to turn these scum to help manage my finances. Which, you'll soon learn, a one-eyed, criminally-inclined monkey would be more capable (and apparently, less likely to behave so unethically.)
For the past six (6) months, I have had my paycheck directr deposited into this account on a bi-weekly basis. The company routinely overheld by twenty (20) percent on each and every transactionI made using the card, whether debit or credit, and did not return the funds until the transaction was "settled." Hotels took thirty (30) days to settle and other daily transactions took up to fifteen (15) days to "settle."
Sometime around Dec. 20th, some person and/or organization in Las Vegas, NV (btw, I live in Austin, TX) charged my card for $28. On or about the same time, I checked out of a hotel I was staying in. Upon checkout, my reciept indicated a refund of nearly $400. I checked out of the hotel because someone there stole my wallet. However, I had my Capital One Prepaid Mastercard in my pocket at the time and felt, somewhat, relieved. I soon came to learn better.
I checked out of the hotel to have access to that $400 in funds. The next day was Christmas Eve. Over the next five (5) days, I spoke with the following Capital One Prepaid Mastercard representives and supervisors: Renee' (Lied, unethical, and just plain stupid); Rick (rude, unwilling to help, insinuated I was lying, hung up on me multiple times); Wendy (rude); Supervisor - Dave (lied, insinuated I was lying, and screamed at me, hung up on me); Supervisor - Ann (lied again, and insinuated I was lying, hung up on me); Brandon (rude, illiterate - no joke, this person is really illiterate and did not understand basic english or math).
After I realized that I would have no money over Xmas because someone stole my wallet, I checked out of the hotel to recieve a refund and called Capital One Prepaid Mastercard at 1-866-532-9632 begin_of_the_skype_highlighting 1-866-532-9632 end_of_the_skype_highlighting. I then maneuvered the endless barage of questions and helpless information to get a real, live person on the phone. By the way, it takes, on average, I'd approximate, ten (10) minutes to get a live person on the phone. I explained to Renee' what happend. She was quick to hang up in my face. I called back and told her I could get someone at the hotel to call them. Over the next 5 hours, I secured the Merchant ID and Transaction No. of the hotel I was staying at and reciept. Renee, Edie (a very nice lady from the hotel) and I spoke over the phone on no less than seven (7) occassions. By this time, it was Christmas Eve, it was raining, and my car was stranded on the side of the road. Still, betwen Edie and I, we managed to get Renee' the faxed information she needed.
After all this, the extraordinarily stupid Capital One Prepaid Mastercard representative informs me that they have credited my account for the full refund amount. I ask her for the balance and she replies, in a sharp, stomach-churning blow, "Your balance is $28.xx." See? Now we're back to the fraudulent charge in Las Vegas, NV. I asked her why the weird amount, because apparently she didn't read all the faxes we sent her or even hear the amount that Edie and I both mentioned, SEVERAL times throughout the hours of interactions we had with this person.
She then lied, and this is a lie, which am I able to prove beyond a shadow of doubt, and said that Merchant ID and Transaction No. matched the transaction in Las Vegas for $28. Both supervisors, Dave and Anne, also lied to me and said that someone had actually read and matched these numbers on their tapes. Of course, they all three lied. I know this for a fact. Edie, from the hotel, was dumbfounded. I was desperate and stressed to the point that it affected my health.
The bottom line:
I was stranded on the side of the road, in the rain, on Xmas Eve and Xmas Day because this company allowed others to make fraudulent charges to my account and then acted fraudulently and negligently when they a: lied repeatedly that someone at their company had matched the Merchant ID and Transaction No. that I had faxed them and left me stranded in the cold, freezing rain for two (2) days. By the way, it was a frigid 34 degrees overnight.
The ongoing struggle:
The mystery company in Las Vegas is still making fraudulent charges to my account. Repeated calls to Capital One Prepaid Mastercard results in sighs, rude comments, and a general unwillingness to help. STAY AWAY FROM THE COMPANY OF BUFFOONS. You WILL be treated as a second-class citizen. Also, the Capital One Prepaid Mastercard is only "affilliated" wit Capital One Bank, and not actually own nor operated by that bank. Try taking this card into a Capital One retail banking location and they won't even be able to tell you what your balance is - no kidding. BEWARE of these scum!