Fucking CAPITAL ONE! Avoid these fucks! (Pic) - GoFuckYourself.com

Luc · 01-15-2005, 04:54 PM

Alright, so I called them to cancel a card I got two years ago with some
ridiculous $200 credit limit. I've been calling them last 2 weeks, gave up
after being on hold for about 45 minutes. Today, decided to stay until
they pick up. So far it's been 2hrs, 22min.

ok, so i pickup my other line and call em up this time trying to become a new
customer, the phone is immediately answered. i tell the fucking guy i want to
cancel the piece of shit, he transfers me to the same bullshit line.

alright, so i figure, while i'm on hold , i'll just file a complaint with the BBB
since i noticed a lot of other pissed off customers did the same.

i visit BBB and this is what i see, surprise!

now, try to file a complaint against them, the search engine returns no
results.. hmm. strange ehh? there were over 4k complaints filed against
them last year but strangely when you look up "capitalone", you get nothing
and when you look up "capital one" you get "Capital Stone".

the BBB is as useless as the 800 number i'm on. great way to spend a sat
night.

avoid these fucks.

swoop · 01-15-2005, 04:57 PM

To be honest, I heard on a financial show to NEVER cancel a card because it hurts your credit score....just cut up the card...if you don't spend anything it won't matter.

Just a heads up

evanmorgan · 01-15-2005, 04:57 PM

yeah companies that are more concerned with getting new customers than looking after existing ones really suck, it happened to me with the broadband countless times

Luc · 01-15-2005, 05:00 PM

Quote:

Originally Posted by swoop

To be honest, I heard on a financial show to NEVER cancel a card because it hurts your credit score....just cut up the card...if you don't spend anything it won't matter.

Just a heads up

I never used the card, not once in 2 years, and all the sudden I get a bill
from them with a $5 fee and a $29 late fee and interest. to top it off they
won't cancel or investigate since its only $5, and it's my fault i didn't pay
it in time.

xclusive · 01-15-2005, 05:01 PM

wow that interesting wonder how they get away with it

Rictor · 01-15-2005, 05:04 PM

Credit cards are a scam but it's hard to get through life without one. Everyone wants to have your card on file...airports, hotels, etc. even if you pay with cash.

SmokeyTheBear · 01-15-2005, 05:05 PM

Quote:

Originally Posted by Luc

I never used the card, not once in 2 years, and all the sudden I get a bill
from them with a $5 fee and a $29 late fee and interest. to top it off they
won't cancel or investigate since its only $5, and it's my fault i didn't pay
it in time.

heh the old yearly fee or service charge..

OR you got the "mysterious $5 charge" that some people say is insider visa crooks, sift $5 from everyone on rotation

hyper · 01-15-2005, 05:08 PM

http://www.upn29.com/news/story.asp?1640089

Antonio · 01-15-2005, 05:33 PM

Quote:

Originally Posted by SmokeyTheBear

OR you got the "mysterious $5 charge" that some people say is insider visa crooks, sift $5 from everyone on rotation

haha the infamous salami attack?
IT has been done in the past by programmers and bank employees, but it's usualy done by taking a cent or a fraction of the cent (by rounding off) from thousands and thousands of peolpe. It can go undetected for years, but I think the banks a well aware of the trick by now ;)

Sly · 01-15-2005, 05:37 PM

I swear I get 5 applications from them everyweek. I don't need anymore credit cards. I have 2 personal credit cards, 1 store card (Best Buy), and 1 credit card for my corporation.

swoop · 01-15-2005, 05:41 PM

love the pre approved cards they send for available credit of $20k or around there and you don't get approved.

wait, it says pre-approved...hahaha

abadfish · 01-15-2005, 05:53 PM

I get like 10 Capital One applications a month and so I finally sent one in and the fuckers never responded to my application the second time... they sent me a letter to tell me to change my address from a PO box to a physical address, which I did over the phone, and then I never heard from them again.

I still get about 10 apps a month though, for business and personal cards.

XpressMedia · 01-15-2005, 06:19 PM

I've always had good luck with Capital one

Illicit · 01-15-2005, 06:20 PM

I had a hell of a time canceling my capital one card... turns out they dont close the account until there is a month of no activity AFTER you tell them to close it... so charges can still post to your account after you have tried to close the account. took me 2 months to get the freaking thing closed (I forgot about a recurring charge).

jimmyf · 01-15-2005, 06:30 PM

Quote:

Originally Posted by ajpiii

I had a hell of a time canceling my capital one card... turns out they dont close the account until there is a month of no activity AFTER you tell them to close it... so charges can still post to your account after you have tried to close the account. took me 2 months to get the freaking thing closed (I forgot about a recurring charge).

Surprise...Surprise...Surprise if you have a recurring bill and cancel the card and they cancel the card, they will still honor the recurring

. hard 2 believe

I thought when you cancel or close an account there couldn't be any more charges on it but wrong.

warlock5 · 01-17-2005, 01:12 AM

The BBB = scam. You should tell badbusinessbureau.com about this capital one bullshit.

foolio · 01-17-2005, 01:14 AM

shit reminds me of AOL lol

FTVGirls · 01-17-2005, 01:17 AM

I've had my share of these credit card fuckers, even one came back from the grave, and started charging me late fees on their annual membership fees even though I had cancelled. Yes, the long phone call and tedium before it got resolved, if it did.

Just go with a debit card/bank card... it has the visa logo and the same options as a credit card, without the fuckers involved. You just have to have sufficient money in your bank account

wargames · 01-17-2005, 01:18 AM

Never cancel your cards it looks bad on your credit report. Just keep the card and sit on it. I have a capital one card when i was 18 it had a credit card limit of 200 bucks i am 26 now and its still at 200. I tried to get a higher limit once and they denied me lol. I have about 250k in credit cards some as high as 50k but for some reason capital one is anal as a motherfucker. The card is in my drawer collecting dust.

kowntafit · 01-17-2005, 01:19 AM

I had exactly the same problem with a popular hosting company. Wouldn't answer any calls, emails or tickets, couldn't cancel, they just kept charging the card every month.

jt420 · 01-17-2005, 01:22 AM

that 5 dollar fee is a crock of shit. i hate cards that charge you even if your not using them. cut that fucker up

Thurbs · 01-17-2005, 01:37 AM

if you tell capital one you want to prepay the card, they usually will up the credit limit 2x the deposit on the second month. I know alot of my frat bros we're doing that. I find them quite reasonable about billpayments, they just don't try very hard to notify you that you may owe them something until you go over your limit. I let it sit for a year, and then i got the bill.

warlock5 · 01-17-2005, 01:42 AM

Quote:

Originally Posted by FTVGirls

Just go with a debit card/bank card... it has the visa logo and the same options as a credit card, without the fuckers involved. You just have to have sufficient money in your bank account

Ya but if someone fucks you good luck trying to charge it back.

01-15-2005, 04:54 PM	#1
Luc Confirmed User Join Date: Nov 2002 Location: Houston Posts: 1,130	Fucking CAPITAL ONE! Avoid these fucks! (Pic) Alright, so I called them to cancel a card I got two years ago with some ridiculous $200 credit limit. I've been calling them last 2 weeks, gave up after being on hold for about 45 minutes. Today, decided to stay until they pick up. So far it's been 2hrs, 22min. ok, so i pickup my other line and call em up this time trying to become a new customer, the phone is immediately answered. i tell the fucking guy i want to cancel the piece of shit, he transfers me to the same bullshit line. alright, so i figure, while i'm on hold , i'll just file a complaint with the BBB since i noticed a lot of other pissed off customers did the same. i visit BBB and this is what i see, surprise! now, try to file a complaint against them, the search engine returns no results.. hmm. strange ehh? there were over 4k complaints filed against them last year but strangely when you look up "capitalone", you get nothing and when you look up "capital one" you get "Capital Stone". the BBB is as useless as the 800 number i'm on. great way to spend a sat night. avoid these fucks.

01-15-2005, 04:57 PM	#2
swoop Confirmed User Join Date: Oct 2003 Posts: 3,903	To be honest, I heard on a financial show to NEVER cancel a card because it hurts your credit score....just cut up the card...if you don't spend anything it won't matter. Just a heads up __________________ Earn 50 % Per Sale - Weekly Payments by check, wire, PayPal, or ePassporte

01-15-2005, 04:57 PM	#3
evanmorgan Confirmed User Join Date: Aug 2004 Posts: 2,490	yeah companies that are more concerned with getting new customers than looking after existing ones really suck, it happened to me with the broadband countless times __________________ Perfect for Asian, Petite,Teen, Exotic, Bikini, Solo girl, Panty, Softcore and Cameltoe Traffic 100% Exclusive Girls and Content NEW JOON MALI Tour - LILY KOH 60% Lifetime Rev Share, 10% Webmaster Referral - Epassporte

01-15-2005, 05:01 PM	#5
xclusive Too lazy to set a custom title Join Date: Apr 2004 Location: Buffalo, NY Posts: 35,218	wow that interesting wonder how they get away with it __________________ I support MediumPimpin.com / Shemp's Outlawtgp.com /

01-15-2005, 05:08 PM	#8
hyper Confirmed User Join Date: Mar 2002 Location: Mass Ass Posts: 5,294	http://www.upn29.com/news/story.asp?1640089 __________________

01-15-2005, 05:04 PM	#6
Rictor Old Timer Industry Role: Join Date: Jan 2001 Location: Indianapolis Posts: 12,208	Credit cards are a scam but it's hard to get through life without one. Everyone wants to have your card on file...airports, hotels, etc. even if you pay with cash.

01-15-2005, 05:37 PM	#10
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,340	I swear I get 5 applications from them everyweek. I don't need anymore credit cards. I have 2 personal credit cards, 1 store card (Best Buy), and 1 credit card for my corporation. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

01-15-2005, 05:41 PM	#11
swoop Confirmed User Join Date: Oct 2003 Posts: 3,903	love the pre approved cards they send for available credit of $20k or around there and you don't get approved. wait, it says pre-approved...hahaha __________________ Earn 50 % Per Sale - Weekly Payments by check, wire, PayPal, or ePassporte

01-15-2005, 05:53 PM	#12
abadfish Confirmed User Join Date: Jul 2003 Location: WA Posts: 1,482	I get like 10 Capital One applications a month and so I finally sent one in and the fuckers never responded to my application the second time... they sent me a letter to tell me to change my address from a PO box to a physical address, which I did over the phone, and then I never heard from them again. I still get about 10 apps a month though, for business and personal cards.

01-15-2005, 06:19 PM	#13
XpressMedia Confirmed User Join Date: Sep 2004 Location: On Some Beach. Posts: 690	I've always had good luck with Capital one __________________

01-15-2005, 06:20 PM	#14
Illicit wtf ? Join Date: Dec 2003 Location: GFY Posts: 11,895	I had a hell of a time canceling my capital one card... turns out they dont close the account until there is a month of no activity AFTER you tell them to close it... so charges can still post to your account after you have tried to close the account. took me 2 months to get the freaking thing closed (I forgot about a recurring charge). __________________ Insert Sig Here

01-17-2005, 01:12 AM	#16
warlock5 Confirmed User Join Date: Jan 2004 Location: Uranus Posts: 2,808	The BBB = scam. You should tell badbusinessbureau.com about this capital one bullshit.

01-17-2005, 01:14 AM	#17
foolio ICQ: 178725656 Join Date: Nov 2002 Location: Sunny San Diego Posts: 12,366	shit reminds me of AOL lol __________________

01-17-2005, 01:17 AM	#18
FTVGirls So Fucking Banned Join Date: Oct 2002 Location: Phoenix AZ Posts: 1,052	I've had my share of these credit card fuckers, even one came back from the grave, and started charging me late fees on their annual membership fees even though I had cancelled. Yes, the long phone call and tedium before it got resolved, if it did. Just go with a debit card/bank card... it has the visa logo and the same options as a credit card, without the fuckers involved. You just have to have sufficient money in your bank account

01-17-2005, 01:18 AM	#19
wargames Kliris Join Date: May 2003 Location: ca Posts: 10,423	Never cancel your cards it looks bad on your credit report. Just keep the card and sit on it. I have a capital one card when i was 18 it had a credit card limit of 200 bucks i am 26 now and its still at 200. I tried to get a higher limit once and they denied me lol. I have about 250k in credit cards some as high as 50k but for some reason capital one is anal as a motherfucker. The card is in my drawer collecting dust. __________________ ICQ 212-115-582 Email Steve at Vas Media Group .com

01-17-2005, 01:19 AM	#20
kowntafit Confirmed User Join Date: Jan 2004 Location: Australia Posts: 4,667	I had exactly the same problem with a popular hosting company. Wouldn't answer any calls, emails or tickets, couldn't cancel, they just kept charging the card every month. __________________ This is where my next million is coming from!

01-17-2005, 01:22 AM	#21
jt420 Confirmed User Join Date: Nov 2003 Location: in the foothills of the mind. ICQ: 279561428 Posts: 2,479	that 5 dollar fee is a crock of shit. i hate cards that charge you even if your not using them. cut that fucker up __________________ I made my fortune selling pubic wigs! New program Merkin Money coming soon!

01-17-2005, 01:37 AM	#22
Thurbs The Thrilla in Manila Join Date: Sep 2004 Location: Thurbs' Lagoon, Christmas Island Posts: 4,785	if you tell capital one you want to prepay the card, they usually will up the credit limit 2x the deposit on the second month. I know alot of my frat bros we're doing that. I find them quite reasonable about billpayments, they just don't try very hard to notify you that you may owe them something until you go over your limit. I let it sit for a year, and then i got the bill.