Complaint Review: capital one - Nationwide
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Capital One Credit Cards Rotten Evil Conniving Crooks Charlotte NC
*General Comment: Ubiquitous Robert
*Consumer Comment: If you want to talk about crooks....
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Recently I applied for a secure credit card with Capital One, I sent them 100.00 and they gave me a 200.00 line of credit.
About a month later I had to file a temporary chapter 13 only for a few weeks. Capital One was not listed on the Bankruptcy nor any other credit card. I was trying to buy time as I am working with my mortgage holder to refinance my home and needed a few weeks time.
Almost immediately Capital One froze my account, I called them and after speaking with some foreign speaking person, I cancelled my card and had already made a fifty dollar payment, the balance was now under the 100.00 that I had initially sent them to open the account, I asked the CS agent to send me the differerence.
Now today I receive a bill for a late fee and interest, instead of closing the account as instructed and the refund I was promised, they now want more money. After calling and getting hung up on two times I finally got someone to look into it.
His answer is we will keep charging you interest and late fees until we get around to seeing that the bankruptcy petion was discharged. They were so quick to suspend the card virtually a week after I filed Chapter 13, but now a month later they were not too quick to see it had been discharged over a month ago.
This bank is EVIL, they are liars, and cheats, there whole philosophy is to steal as much money as they can from poor consumers.
I would never, ever do business with these people again for any reason.
Capital One is one evil enterprise, stay clear of them.
This report was posted on Ripoff Report on 09/23/2015 03:26 PM and is a permanent record located here: https://www.ripoffreport.com/reports/capital-one/nationwide/capital-one-credit-cards-rotten-evil-conniving-crooks-charlotte-nc-1256799. 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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#2 General Comment
Ubiquitous Robert
AUTHOR: Dinkerson - (USA)
SUBMITTED: Friday, December 11, 2015
To all who read Robert's response, please bear in mind that Robert has been posting cynical responses to almost every claim against Capital One credit cards on this site since at least 2010. Clearly, his unyielding interest in the matter is invalidating at best.
#1 Consumer Comment
If you want to talk about crooks....
AUTHOR: Robert - (USA)
SUBMITTED: Wednesday, September 23, 2015
Wow if you are serious in this, it is amazing what some people try and claim.
You do realize that when you signed your Bankruptcy Petition you signed under penalty of perjury that you did not intentionally leave off any creditors. So by you leaving off Capital One(and apparently every one of your other credit cards), you in effect have comitted perjury to the Federal Government. There is really no legitimate claim you have that you just forgot them, after all you had the card for about a month. This isn't like it was some debt from 3 years ago that you totally forgot about.
IF any of your creditors such as your mortgage company took a "hit" because of your filing and they find out, not only can they go back to the courts to have a hearing on the matter. The FEDS may come after you for bankrutptcy fraud.
Also there is no such thing as a "temporary" Chapter 13. If you filed the bankruptcy, it is now on your credit for the next 7 years regardless of what happened with it. I have never heard of a bankruptcy getting "discharged" in just a few weeks. Now, it could have been "dismissed" but it will still remain on your credit.
So I really wonder what you were trying to pull here, and perhaps you are leaving a lot out that makes you look even worse.
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