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Report: #397652

Complaint Review: Capital One - Salt Lake City Utah

  • Submitted:
  • Updated:
  • Reported By: South Bend Indiana
  • Author Confirmed What's this?
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  • Capital One PO BOX 30285 Salt Lake City, Utah U.S.A.

Capital One Capital One Visa-Paid off account in full, says I charged off & still owe! Salt Lake City Utah

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In 2004, when I turned 18, Capital One Visa sent me information on a pre-approved credit card. I had no credit and a job that always let me work overtime so I was excited to start shopping. I received the card with a $200.00 limit, (which I thought was an actual limit!)

After finding myself incurring major intrest charges because I was allowed to go over the $200.00 limit and made minimum payments, I stopped usage and told Capital One that I wanted to close my account. The representative told me okay and gave me a final balance a little above $350.00.

In 2006 I attempted to get a new apartment and needed to take care of that balance. I had been saving and was more that happy to pay. When I called my current balance was over $500 (?)! The reperesentative told me I could settle for less, but I told her I wanted to pay the full amount and paid my fiance's account off, also $500+ using the same checking account.

I recently got my credit report to find that the account was listed as "Charged Off" and that I could still pay the remaining balance.

I called Capital One- they offered me to pay more money! The representative said there was no one else to talk to.

Please help me with any info in a similar situation....how did you resolve it?
NO CAPITAL ONE VISAS!!

Anonymous
South Bend, Indiana
U.S.A.

This report was posted on Ripoff Report on 12/03/2008 09:17 PM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one/salt-lake-city-utah/capital-one-capital-one-visa-paid-off-account-in-full-says-i-charged-off-still-owe-sal-397652. 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. READ: Foreign websites steal our content

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