Capital One Bank & Experian Fraud, deceptive trade practices,Fair Credit reporting Act and Consumer Protection Act violations, Internet
*Consumer Comment: moron comments left by last guy
*Consumer Comment: MUCH more to the "story" here!
I need an attorney in Ohio. Capital One defrauded me. My balance was near the limit but not over. I called to make my minimum payment on time after a longterm perfect history and was told that a transaction put my account over the limit and instead of my $25 minimum payment that a minimum payment of $135 aprox. had to be made or my account would be sent to collections. I asked them on the phone(due date) which transaction put the account over the limit.
They said it was a transaction in the previous month on a given day. While on the phone, I confirmed that the transaction was in fact made the day prior to when they alleged after my last payment was made and proved that the alleged transaction was after my last payment was made not the day before. I offered the numbers off the receipt to confirm the date of the transaction and they told me that I must make the min payment of $135 the dispute the debt in writing and wait up to 60 days for a refund to the card. They forced me into default.
Within 1 day of missing my payment they blocked access to my web account so I could not gather more evidence of the transaction to get a more timely result. They then rerouted my calls to a collection agency that refused to allow me to speak with the original creditor until I paid the 3rd party co. the minimum payment of $135. All this within 24 hours of missing a payment. They refused my minimum payment of $25 which would have kept my account out of default. They used a similar stunt to put me over the limit earlier in the year by falsely claiming a transaction put me over the limit. That is how they jacked me to a default interest rate.
They refunded the over the limit fee for their error but never put me back to the standard interest rate. I recently disputed it with Experian and they unlawfully refreshed their charge off date from OCT of 2010 to Jan 2011 and added more charges on the bill for the months between the original charge off date and the ficticous new one. Report Shows both 10/10 and 1/11 as the charge off date. Experian neglected to identify their flawes and updated the account with 2 chargeoff dates from 2 different years and 5 months of fees that shoul dhave stopped at chargeoff.
So much for Experian verification. They also failed to report the account was in dispute on the updated report even though they were responding to the credit bureau for the dispute. They did post that a grantor request was reported by subscriber.(Request for accounting to prove violations) but they still have not sent me a summary of charges that itemize their fraud after several requests. I requested validation and they simply sent me a new bill as if the account was still open and accruing interest. Someone help me with these scumbags. They have violated every state and federal law governing my activity with them. OCSPA, Truth In Lending act, Fair Credit reporting Act and god knows what else. They are true criminals. They have gained access to my credit report without a permissible purpose more times than I can count. Let's crush these criminals!
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