valeka's Blog

I wasn't surprised to hear about the man in Seffner who has had tremendous difficulty with Capital One.  For over a year I wrangled with them over a different issue.  I was the victim of a theft.  Someone helped themselves to my mailbox and managed to cash one of the courtesy checks that came with my Capital One bill. 

I immediately notified Capital one...the "What's in your wallet" people.  Did they do anything they guarantee in their written materials regarding the theft?  No.  I followed the complaint format to the letter.  I notified them in writing within the required amount of time, I filed a formal complaint with their "fraud squad" and each month sent a letter asking for the status of the investigation.  I couldn't even get them to tell me where the check had been cashed, or whom it had been made out to.

In August of last year, after 5 months of no response from Capital ONE except for their demand that I pay the $268 that someone helped themselves to, and the late charges I incurred because I didn't know I was supposed to pay this disputed claim...they sent a letter telling me that the case had been resolved.  The letter did NOT say how it had been resolved.  I wrote, and wrote and wrote...I called...I got people with accents so heavy I could barely understand them (and I've lived around the world and can pick up things pretty quickly) who were obviously reading scripts and had no clue about what I was asking. A basic understanding of English words does not give an understanding of concepts or questions. 

Capital one has never investigated, called or even attempted to take care of this former customer.  So isn't it interesting that they can use intimidation and harassment when someone owes them $400, but if they owe it to the consumer--and they do owe me--they are suddenly completely and absolutely silent.  My heart goes out to the man that lost his temper--I truly do know how frustrated and upset he feels.