Complaint Review: capital one credit card - Richmond Virginia
- capital one credit card PO Box 85147, Richmond, Virginia U.S.A.
- Phone: 877-5346841
- Category: Credit & Debt Services
Capital One Credit Card over limit fees ripoff Richmond Virginia
*UPDATE EX-employee responds: Capital One can prevent from charging over.
*Consumer Suggestion: HowTo Avoid Capital One's Over-Limit Fee
To TJX customer services.For many years I have used the TJX credit card thru peoples with no problem. My wife loves the the 30 dollars in rewards certifvicates she go t every month. You switched to capital One who issued me a card with a low credit limit as a new user (I had 5000 with peoples). Each month my limit would be used and they wouldnt raise it (Ihave excellent credit). When we got up to the limit they would allow it to go over and then charge a 29 dollar over limit fee.
Well I havnt missed any payments, and they have finally raised the limit over the phone but not on the computer. On the phone with an actual person talking they said I had a $2000 limit, my statement says 1500 and the computer states I have $1000 limit.
Needlesss to say I canceled the card since if they set the limit and they have the ability to not let it go over the limit theyshould be responsible for going over. I have no problem with using another card if I am at my limit. A limit is a limit. I have a huge problem with paying an over limit fee, as they are the ones who didnt raise my limit, but then allowed me to go over the limit without notifying me There system doenst seem to know what limit I have.
But a guarantee if the card is stolen it wouldnt allow additional fees to be charged. As said before my payments are current. I have no problem paying interest if the payments arent made. Mypayments were made. It was a pleasure using your peoples card as my wife loved shopping in your store. Let me know if you change to another credit card company Cliff Fruitandler Card ending in 2683
To Capital one services
Never have I been as diaapointed as with you company. I pay my bill on time and have excellent credit. When my peoples tjx credita card was transferred to you you offer a low limit. Then you allow me to go over the limit. i ahve 2 cards meaning i have no way of tracking amoutns spent. I spend in excess of 50,000 a year on my cards and havnt had problems (except when vendors auto bill for things not ordered).
I have cancelled my TJX capital one card as I refuse to pay over limit fees. This is notice in bold large print to notify me if mylimits are reached and do not go over the liimit unless you are increasing the limit. I refuse to pay over limit fees.
My cancelled card is the one ending in 2683. My business card ends in 1669. My zip codes are 33063 or 33067 Clifford Fruithandler
This report was posted on Ripoff Report on 06/11/2002 02:06 PM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one-credit-card/richmond-virginia-23276/capital-one-credit-card-over-limit-fees-ripoff-richmond-virginia-22506. 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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