Report: #1358980

Complaint Review: Capital One

  • Submitted: Tue, February 28, 2017
  • Updated: Tue, February 28, 2017
  • Reported By: Xanthor — San Bruno California USA
  • Capital One


Capital One Capitalone Capital One Checking Capital One Savings CapitalOne Savings CapitalOne Checking Credit Card Scams, Credit Card Fraud, Money Scams, Bank Theft Internet

*Author of original report: Forgot Important information when filing

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Capital One goes by so many names and so many services, but the one thing that says it all about this company is the fact they are here to steal your hard earned money and take advantage of people with no ratings or poor ratings and I am going to show you how to prevent companies like this from taking you to the cleaners.

I have taken them to small claims and won. It was quite easy because where I live if you file a small claims case against a company like this, you bypass their fraudulent Arbitration these companies they pay off to use where you most likely will lose, and the best part of using small claims in my state which is CA is they can't use their attorneys or anyone registered with the bar association. Once they get a summons from you, you will see a side of them most of the time that you never knew existed which is their executive office. These people tend to not want to deal in court because most of the time they lose, unlike arbitration. But were getting to far, this is the last resort when all else has failed. Lets talk on how to prevent them from stealing your money and leaving you pennyless where you don't have the money to pay the small claims fees.

Capital One has devised many scams and your bank most likely has blocks on to stop them from taking it all using your debit card so recently they made changes requiring you to give them a checking and routing number and here is where I have seen a lot of depressing cases and why I am putting information here to help prevent them from stealing from you.

First and formost, open a second checking account or savings account, which charges no fees. Ask you bank about this. Make sure to tell them you do not want an overdraft on this account. This will prevent Capital One or any other banking service you use from taking more then what you told them to. Also make sure you do not bank with the same company or doing all this is fruitless as they can just get into your account anyways. NEVER store your money with the same institution your credit cards are with. That being said:

When you need to make payment, transfer the funds from your regular account into the account you are paying capital one with. Doing this prevents them from taking more then they should. Even though many banks will reverse funds when places like capital one empty your account, many will not unless forced to do so in court and trying to get funds back can take almost 30 days. People have lost their jobs because of capital one draining their entire banking accounts leaving them with nothing, no money for a bus, for gas for their car, you don't want to be put in this type of situation ever. Making a special account for paying them will give you peace of mind and though it might generate an NSF fee, your bank will most likely refund it if you prive you did not authorize the charge. Take screen shots when you pay them to show your bank.

Capital One has stopped taking debit cards or tell many of thier customers they have because they are forcing you to use your banking account and its much harder to get funds back, if at all when they use your checking or savings info. Make an account and only put in the funds you plan to pay them plus maybe an extra dollar to keep the account open. Capital one forces you to use this information so they can empty your account to pay off and close your card without asking you. If they say they are not accepting debit cards, most of the time its because they want to close your account without telling you, so dont make the mistake many have by giving them that information. Most banks you can do this over the phone in under 5 minutes.

Imagine going to the supermarket to buy food, your tank is almost empty, you go to use your bank card and it gets declined, then you try to get gas and same thing so you check to see why and find out you have nothing in the account, or worse, a huge negative balance because you have an overdraft. I have seen this on a daily bases and it is caused by companies like Capital One. Prevent yourself from getting ripped off by them and open that special account. You will be very happy you did the day you see an NSF fee or get a call that your card company tried taking your funds without asking.

If Capital One or card companies have scammed you already, don't wait for them to take you to arbitration. Pay the small fee and take them to small claims and bypass their system that is set up to take your money. Here is something else you can do as well, without paying court fees. Download the needed forms for your small claims court for your state and county, fill them out, and send them a letter with those forms letting them know they are about to go to court. Most of the time they will fix the issues they caused, otherwise file the claim before they file an arbitration as both judgements are fully enforced in many states.

This is a great way to not only get your money back, but also to get them to fix the account they conned you into opening with low rates and then changed them a month later into higher with extra fees as well.

This report was posted on Ripoff Report on 02/28/2017 05:58 PM and is a permanent record located here: 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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#1 Author of original report

Forgot Important information when filing

AUTHOR: - ()

I totaly forgot to mention one thing thats extremely important when it comes to filing a small claims case against capital one or any credit card company. Some of them are sneaky and will most likely call you or send you forms to sign. DO NOT SIGN THEM!! These forms they send, or the call you get is most likely their attempt at tricking you into canceling your small claims and going into Arbitration instead. They will tell you anything on the phone, be intimidating, just hang up on them or like me, record your phone calls. There are so many phone applications or devices to do this.

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