Capital One ripoff, what's in your wallet ? Richmond Virginia

I had an overpayment of $10.39 and it just credits to the account automatically, I have payed my father's phone bill and now I have a CREDIT LIMIT of 500.00/500.00 and a credit of 4.71 (he pays local cheap service), I owe nothing, and have no balance. Plus I did purposely sent in more than I owed so I wouldn't of have kept buying 1.00 money orders, plus Copper.net hasn't charged me yet as I am on the 3.00 a month promo (200/hr. a month dialup) and in an email (automatic) said that I would get charged at the end of the total 3 months, so when that hits my CC, I will have 1.71 left, with a Credit Limit of 500.00/500.00.

Still owing no money to be sent. So I am not understanding you right, as when you overpay they just auto add that to the computer and the computer credits your account and automatically add/subtracts your total balance. (IE: it's all automatically taken from after the Worker inputs your info. or if you pay electronically it is all automatically done).

The odd: I too overpayed a bit, and I HAVE NO BALANCE, the amount in parentheses is CREDIT, and NOT BALANCE DUE.

Just to let you know I owed 31.00 and sent in 41.39 in the money order and this was all last month when I payed (around sept. 25th or so right after I received my statement).

You need to not only file for interest, but to add a $29.00 "Late Payment Fee" for each month they stalled, and compound it exactly as they do.

Example, you're initialy owed $118.86 At the
end of the first month they didn't pay you you add interest and a LATE FEE (Use their default rate 29.99% divide it by 12 months for a interest of 2.499% per month)

Principal $118.86
Interest(At 2.499%) $2.95
Late fee $29.00
Current total (Past Due) $150.81
(This is just the end of the first month after you requested the refund and did not get it)

Second month
Principle PAST DUE $150.81
Interest (At 2.499%) $3.77
Late Fee $29,00
PAST DUE TOTAL $183.66

Third Month
Principle PAST DUE $183.66
Interest (At 2.499%) $4.59
Late Fee $29.00
PAST DUE TOTAL $217.25

Fourth Month
Principle PAST DUE $217.25
Interest (At 2.499%) $5.43
Late Fee $29.00
PAST DUE TOTAL $251.68

See how it works, this is how they treat you, use their own tactics to treat them the exact same way.

There are many thousands of dollars here owed you, not the $111.86 initial refund owed, get a good lawyer and file for damages immediately.
Don't waste your time looking for a "Class Action Lawsuit" you'll get nothing from that except a denial of any future claims and a few dollars to make it binding.

Also when they send you a check for the $111.86 write REJECTED, PARTIAL PAYMENT NOT ACCEPTED in big red ink on the check's face, then return it certified and return receipt requested, so they can't claim you've been paid off, keep a color photocopy with the writing on the check's face.

I used this same tactic against Nationwide (Now AVCO) successfuly, although it took around 6 months and mailing a complete copy of all correspondence to the President of the company, they had to pay me about 5 grand eventualy.

Good Luck, don't back down, GET A LAWYER.

Jim D

It sounds like your funds were sent to your state's unclaimed property division. You can do a Google search for the Florida Bureau of Unclaimed Property. From their website, you can search for any unclaimed funds in your name. If the Capital One refund is really there, then you should be able to reclaim it, and you'll probably have an easier time of it rather than dealing with Capital One.

If it's not there then you know that Capital One is giving you more BS. Just make sure you keep any documentation you receive that shows the Capital One refund is not being held by this Bureau. For example, if your search comes up empty, print out the webpage that says "No results", etc.

When you find something out, post your results here so we know what happened.

It sounds like your funds were sent to your state's unclaimed property division. You can do a Google search for the Florida Bureau of Unclaimed Property. From their website, you can search for any unclaimed funds in your name. If the Capital One refund is really there, then you should be able to reclaim it, and you'll probably have an easier time of it rather than dealing with Capital One.

If it's not there then you know that Capital One is giving you more BS. Just make sure you keep any documentation you receive that shows the Capital One refund is not being held by this Bureau. For example, if your search comes up empty, print out the webpage that says "No results", etc.

When you find something out, post your results here so we know what happened.

It sounds like your funds were sent to your state's unclaimed property division. You can do a Google search for the Florida Bureau of Unclaimed Property. From their website, you can search for any unclaimed funds in your name. If the Capital One refund is really there, then you should be able to reclaim it, and you'll probably have an easier time of it rather than dealing with Capital One.

If it's not there then you know that Capital One is giving you more BS. Just make sure you keep any documentation you receive that shows the Capital One refund is not being held by this Bureau. For example, if your search comes up empty, print out the webpage that says "No results", etc.

When you find something out, post your results here so we know what happened.

It sounds like your funds were sent to your state's unclaimed property division. You can do a Google search for the Florida Bureau of Unclaimed Property. From their website, you can search for any unclaimed funds in your name. If the Capital One refund is really there, then you should be able to reclaim it, and you'll probably have an easier time of it rather than dealing with Capital One.

If it's not there then you know that Capital One is giving you more BS. Just make sure you keep any documentation you receive that shows the Capital One refund is not being held by this Bureau. For example, if your search comes up empty, print out the webpage that says "No results", etc.

When you find something out, post your results here so we know what happened.