I’ve had a charge dispute with them since May and am getting nowhere. I order a product from a vendor on-line and the product never showed up so I reported it to C1. They credit my account for the full amount back in May then today I find out they charged my account for the same amount because the vendor said they credited my account. I looked at my statement and the vendor did credit my account for the full amount in May but they also charged my account for the exact same amount on the same day. C1 can’t seem to understand that I’m still out of the money. I’ve tried to speak with someone in the investigation department but was told they “don’t have phones”. So much for customer service. I’m closing my C1 account as soon as I get this dispute resolved.

It’s July 2007, and I was treated like chattel by this heartless corporation. The mercenary representative: Ernesto, employee # UNX 232.

As soon as I found that my rate jumped from 5.99% to 11.90% i called immediately and insisted that it be brought back down. I too was told that it’s too bad, that I missed their notice. I said I never got one, which I didn’t. They told me it wasn’t sent with my statement. Also Ernesto told me that this has happened to thousands of customers and him too. But he informed me it was too late. Then, when I said I want you to specifically tell me that you refuse to revert my interest rate back to its original rate, he said he’d have to terminate the conversation if I was recording it. too funny–I wasn’t recording it, but in theory they can record it.

Now, I’m stuck paying this unethical rate until my balance will be down to zero. Is there any way this uncaring mercenary company can be held accountable? Is there at least one attorney general who cares?

Keep posting and please start posting as many warnings as you can about this vipers.

Bob

I had closed (or at least very much though I did) a credit card and all of a sudden a year or so later I get a statement with a $32,0000 cash advance charge! Long story/short - I kind of freaked out, called them - ended up someone had hacked their system. At the end of it all she said “Would you like to re-open your account?”

ED-U-MA-CATION - PEOPLE ED-U-MA-CATION!

It’s not a matter of using my card after I called to close out the account. I called to cancel the card and to close out the account.

And yes, it was very much like closing out and AOL account. I had to listen to special offers that I did not want. I also had to listen to things about my account that were not true. In the case of AOL, I had to hear about how much I had been using the account even though I no longer had the software even installed on my PC. In the case of Capital One, I had to hear how my account still had a balance even though it did not and had been at zero since last year.

You are right about one thing. I am inpatient. I want my Capital One account to be closed immediately. I don’t want to wait for 30 days to pass. There is no good reason for this to happen. I paid it off in full over eight months ago.

I agree wholeheartedly with your assessment. This pushy nonsense called “retentions” is getting massively irritating. “Please cancel my account” should be a painfully simple process. It really feels like these companies honestly reason that since you’re eager to quit anyway, there’s not much for them to lose by badgering/pestering/begging you to stay (i.e. if you’re angry enough to leave in the first place, it’s no love lost if they cheese you off further when you try to cancel).

The only suggestion that’s been posted in the comments here that made any sense at all is the whole “write them a letter instead” one. A couple years back I dove into a free AOL trial (for some related “freebie” in exchange for doing it) and then dutifully called to cancel about three weeks later. The stories are not exaggerations: they really do *argue* with you. The phone conversation went round and round for almost thirty minutes (glad it was their dime, and not mine).

Nothing actually got done until I mailed a polite, firm letter. It complained about the cancelation process but also explicitly stated my desire/intention to cancel. I received written confirmation back a week later apologizing for the trouble and providing a cancelation confirmation number.

On a phone, you can be interrupted even when you don’t want to be. A letter is far more effective: there’s no “active discussion” going on. Your letter expresses your intentions. There’s no arguing with that if you’re following the instructions laid out in the terms and conditions. If the company still ignores you and you can prove you mailed the request and followed the instructions you were supposed to follow, you’ve got some major ammunition to use if they ever try something sneaky (like assessing fees, etc., that could not have been accrued if the account had been closed per your instructions).

I’ve all but given up on trying to fix this kind of stuff by phone. Mail it (certified if you expect trouble) and follow up; don’t bother with the phone.