• Report: #987342

Complaint Review: Capitol one bank

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  • Submitted: Wed, December 26, 2012
  • Updated: Thu, December 27, 2012

  • Reported By: Real ripoff — Altamonte Springs Florida Virgin Islands (US)
Capitol one bank
Nationwide United States of America

Capitol one bank Hospitalized for accident called to activate payment protection 2days after accident in July and just now coming home to find out no payments were ever made and account is 5mnths delequint from them Internet, Nationwide

*Author of original report: Typical corp BS lie just to get money truly not owed

*Consumer Comment: Look at your terms and conditions

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Was in auto accident in July called Capitol one to activate payment protection, I was told then ok your benefits are activated after 5months of physical rehab in hospital I come home to find out that Capitol one had dropped the ball and account was 5month delinquent and no payments were recieved from payment protection and card was restricted and wanted full balance paid and card closed after being placed on hold for hrs and transfers to all kinda different dept there is no accountability on there part according to them it's up to consumer to do there job and pay for it when they don't do there's ! CapitolOne is a scam with all there fees and fine print that they don't disclose to you! Thankx Capitol one merry Xmas to you scam artist , Do not Apply for credit with them . It will hurt your score more than help it!!

This report was posted on Ripoff Report on 12/26/2012 06:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/Capitol-one-bank/nationwide/Capitol-one-bank-Hospitalized-for-accident-called-to-activate-payment-protection-2days-af-987342. 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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REBUTTALS & REPLIES:
1Author 1Consumer 0Employee/Owner
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#1 Author of original report

Typical corp BS lie just to get money truly not owed

AUTHOR: Real ripoff - (Virgin Islands (US))

How is it that my account had payment protection plan that I paid for each month based on acct balance. 3.95 per 100$ spent just for instances like mine , my account was current when I activated your program I enrolled in but yet they only made one payment the fine print and your term state upon activating benefits they will cover min payment for up to 12 months or when able to return to work, so you charge me for a program that never even took effect and trash my account with negative reporting to credit bureaus and now Capitol one wants to put the blame anywhere but themselves because they know there in the wrong , Capitol one doesn't even offer the program anymore due to all the errors and cases like this one, nice scam , I will keep on telling everyone about how dirty and low and lack of follow threw the company has and how bad it is to be involved with Capitol one until they own up to there mistake , I called as soon as I was released from hospital to bring account up to date and found all this out ! Thanks for the very merry Xmas , great to see how you treat your troops who protect your way of life , YouTube video post coming soon with proof of errors on there own letter head
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#2 Consumer Comment

Look at your terms and conditions

AUTHOR: MovingForward - (USA)

You activated the "payment protection plan" too late. You activated it after you stopped paying on the card, right? Two days after your accident you activate a payment protection plan and expect it to pick up your payments from that point forward? Read the terms and conditions, the one that tripped you up is the following:

PAYMENT PROTECTION does not protect you against losses arising from events which occurred before you enrolled in PAYMENT PROTECTION

I don't know of any plan that would cover you for accidents that happend prior to enrolling in the plan. That wouldn't make any sort of business sense.
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