Complaint Review: Capital One - Richmond Virginia
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- Author Confirmed
- Capital One 15000 Capital One Drive Richmond, Virginia U.S.A.
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- Category: Miscellaneous Companies
Capital One Garnished bank account ,one-day notice on my door, put a lein on my property! Refuses to close account! Richmond Virginia
*Consumer Comment: You should have filed for Bankruptcy protection as soon as you had problems!! And...
*Consumer Comment: You should have filed for Bankruptcy protection as soon as you had problems!! And...
*Consumer Comment: You should have filed for Bankruptcy protection as soon as you had problems!! And...
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I had 2 capital one credit cards with $500 limits. I had these for several years and they were in good standing until like many of us, I got caught in the financial mortgage fiasco and almost went bankrupt. I decided to try to work out my finiancial issues and try to make arrangements with creditors and had to let all of my credit cards go and close them out. Capital One was the only credit card company who gave me such a hard time. They would not work out a financial agreement except on their terms which I could not and still cannot afford. They refuse to close my accounts and are continuing to charge me interest on the accounts!
I came home from work late one night to find a garnishment summons on my door that said Capital One was garnishing my bank account the following day and they added so many fees and interest that it was over $1100. I had no warning, no nothing and you guessed it, not only was the following day my direct deposit hit my account from my job, my entire bank account was wiped out and I didn't have a dime to my name. As a single parent with 2 children I was terrified!
The garnishment summons said I could come to court to contest it but the date on it was months away. The last I heard, Virginia law says only 25% can be garnished but I can tell you that Capital One took every penny they could from me and guess what? That was for only ONE credit card. Now they sent me another garnishment for the same bank account and when I called them to tell them I don't even have a checking account anymore, the guy said "Well thats okay because I'll just put a lein on your property and every day I'll charge you interest until it's paid off." Again, they refused to allow me to make payments based on my budget and will not close it out.
I'll spare you the details of telling you the s****.>
Anybody out there filing or considering to file a class-action law suit concerning this, count me in! Consumers need Justice!
Anonymous
richmond, Virginia
U.S.A.
This report was posted on Ripoff Report on 02/03/2009 10:31 AM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one/richmond-virginia-23238/capital-one-garnished-bank-account-one-day-notice-on-my-door-put-a-lein-on-my-property-419569. 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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#3 Consumer Comment
You should have filed for Bankruptcy protection as soon as you had problems!! And...
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Tuesday, February 03, 2009
There is much more to the story here, BECAUSE nobody can get a garnishment against you for a civil debt without first suing you and winning.
This means that you ignored a summons or they engaged in "sewer service" where they served an old address or totally bogus address.
If that is the case, you have recourse against them!!
Go to your local clerk of court and get any document with your name on it.
Go to your bank and demand to have copies of whatever paperwork they have that allowed them to release your funds.
File Bar Association complaints against any lawyer involved, and file ftc complaints for the illegal/unethical collections activities.
Nobody will fix these things for you, you must take all actions yourself.
>>>
That is what BANKRUPTCY is for!!!
Protecting your assets should have been a priority.
IMMEDIATELY close all bank accounts you currently have and stop any direct deposits.
Then, find a lawyer for the illegal garnishment. Your bank should share some liability too.
File Bankruptcy to protect you from further action.
#2 Consumer Comment
You should have filed for Bankruptcy protection as soon as you had problems!! And...
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Tuesday, February 03, 2009
There is much more to the story here, BECAUSE nobody can get a garnishment against you for a civil debt without first suing you and winning.
This means that you ignored a summons or they engaged in "sewer service" where they served an old address or totally bogus address.
If that is the case, you have recourse against them!!
Go to your local clerk of court and get any document with your name on it.
Go to your bank and demand to have copies of whatever paperwork they have that allowed them to release your funds.
File Bar Association complaints against any lawyer involved, and file ftc complaints for the illegal/unethical collections activities.
Nobody will fix these things for you, you must take all actions yourself.
>>>
That is what BANKRUPTCY is for!!!
Protecting your assets should have been a priority.
IMMEDIATELY close all bank accounts you currently have and stop any direct deposits.
Then, find a lawyer for the illegal garnishment. Your bank should share some liability too.
File Bankruptcy to protect you from further action.
#1 Consumer Comment
You should have filed for Bankruptcy protection as soon as you had problems!! And...
AUTHOR: Steve - (U.S.A.)
SUBMITTED: Tuesday, February 03, 2009
There is much more to the story here, BECAUSE nobody can get a garnishment against you for a civil debt without first suing you and winning.
This means that you ignored a summons or they engaged in "sewer service" where they served an old address or totally bogus address.
If that is the case, you have recourse against them!!
Go to your local clerk of court and get any document with your name on it.
Go to your bank and demand to have copies of whatever paperwork they have that allowed them to release your funds.
File Bar Association complaints against any lawyer involved, and file ftc complaints for the illegal/unethical collections activities.
Nobody will fix these things for you, you must take all actions yourself.
>>>
That is what BANKRUPTCY is for!!!
Protecting your assets should have been a priority.
IMMEDIATELY close all bank accounts you currently have and stop any direct deposits.
Then, find a lawyer for the illegal garnishment. Your bank should share some liability too.
File Bankruptcy to protect you from further action.
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