Capitol One vent

iVillage Member
Registered: 09-21-2004
Capitol One vent
5
Wed, 02-23-2005 - 9:07pm
I sent in a dispute last month about a charge we shouldn't have had for the past few months which also resulted in over limit charges. Well, I just received the bill today and although the transaction was not on this months statement, the total amount of the other charges and overlimit fees weren't taken off. I have received no acknowledgement of the dispute and I know you don't have to pay any disputed charges while the dispute is taking place. When I disputed my mastercard one time, they at least sent me a letter saying they received my dispute and were looking into it. I am so not happy. They keep ticking me off. The cc isn't a very high limit card, $500. I sent in a $200 payment and hope to get it payed off in the next few months. It depends on how much I have to throw at it but it is my target card since I've paid off my other debts. (I only have 3 debts not including my car loan so YAY!) It's my dh's card, but he isn't here to dispute it but I also know he isn't using it cause we talk. I sent a copy of my POA in so it shouldn't be a problem for me to dispute unless they want to be butts about it. I told dh today when he called that when I pay it off, he needs to close that account and he agreed with me. Oh how I hate Capitol One!


Edited 2/23/2005 9:41 pm ET ET by mattsgirl_21
iVillage Member
Registered: 04-02-2003
Wed, 02-23-2005 - 11:33pm
About a year ago, my wallet was stolen so I had several unauthorized charges on my accounts. All I had to do was call my company, they sent me a form to sign and it was taken care of. I would try calling to speak with someone - just make sure you write down who you talk to in case you need it later!
iVillage Member
Registered: 09-21-2004
Thu, 02-24-2005 - 12:03am
I can't call cause it's in dh's name which is why I sent a letter with a copy of my POA with it. When dh gets home he'll be able to call. It's frustrating cause obviously they got my letter if there wasn't any new charges this month but they haven't acknowledged it or taken off any of the other charges. My dh checked his credit report online (same place I did except I used my mastercard for mine) and every month since they have charged him for it. I know it was a mistake but dang, at least take the charges off. I even told them amounts and dates of all the charges that were mistakes. He didn't sign up for any monthly thing either, it was just a one time credit check. He needs to get a mastercard like mine if he must have a cc!
iVillage Member
Registered: 03-27-2003
Thu, 02-24-2005 - 8:00am
Since you sent them the POA, you should now be able to call. Also, if you call and tell them you have a POA, and if they have no record of it, you can fax it to them.
I would call.
Good luck!
iVillage Member
Registered: 08-12-2003
Thu, 02-24-2005 - 1:51pm

I have been lurking on this board for a couple of days! I have more debt than I really want to face (X-DH had a gambling problem), but it is time to clear it all up!

Anyway, on the subject, I also hate Capitol One. My advice is to close the card as soon as you pay it off. I was a customer of theirs for 8 years with no late payments and a high balance. I had one payment, one day late and they jacked up my interest rate to 27%. I called because normally if you have never had a late payment to a ccard, the company will waive the fee and not raise the rate. They refused to refund my late fee and even when I told them I would transfer my balance and close the account if they did not lower the interest rate, they were rude and told me they would not lower the rate. That same day I transfered the balance and closed the card as soon as it showed a zero balance. I have a lot of debt, but have managed to keep great credit (700 score) through my divorce and the hard years after. I'll never do business with Capitol One again.

Sorry for the rage there. I just hate that company!

iVillage Member
Registered: 09-21-2004
Thu, 02-24-2005 - 1:57pm
All the bad crap I've been hearing about them and now this, I won't do business with them either. I can't wait to pay off that account and get that closed. I too hate Capitol One. My dh applied for it cause of the interest rate but it sure as heck isn't worth this.