Consumer reviews and reports on scam companies, bad products and services
Capital One Bank
Capital One Bank Legal Recovery Law Offices Blackmailing, Blood sucking crooks that use the legal system to take money that is not owed, Internet
13th of Dec, 2010 by User740447
Back in early 2000 I received an offer from capital one for a credit card so I got a credit limit of 300$. After about 6 months of paying on time the limit was raised to a 1000$ without notice. About one year later I fell into hardship and could not pay it off so I made minimum payments. In mid 2000 I tried to rent a home for my family and my credit check came back saying that I owed capital one 1500$ and needed to pay the minimum payment or I could not rent the home.


So I called Capital One and asked them if I only had a 1000$ limit why do I owe you 1500$? I was told it was all fees and my minimum payment is 460$ so I made an online payment of 465$ of barrowed money so I could rent the home. A few months pass of me making minimum payments and I get a statement saying I owed 1600$. So I call capital one again and ask why do I owe 1600$ if I make my minimum payments and I just made a 465$ payment they told me my payments were always late because they never made the cut off time of 4:00p.m .and if the balance was not paid in full the fees would keep rising even if I paid my minimum payments.


So in anger I stopped paying all together. Well a few years went by and I get a collection letter stating I owed Capital One 3900$ and would settle this for 2900$. So I call the collection agency and tried to explain that I only had a 1000$ credit limit, well they wouldn't hear anything I had to say. So I try to offer them 150$ a month payment plan, I was told NO I had to pay in full, I did not have that kind of money so I told them I could not do that then never heard from them again. A year goes by without word then out of the blue I was served with court papers stating I was being sued by Capital One.


So I contact the attorneys office who is handling the case and was told, and I quote "if I did not agree and sign the documents that they were going to take my car and 40% of my wages will be garnished from your employer. I tried to explain to them as well that I did not owe the amount that Capital One is saying I owed them. Their reply was if I had any documentation to prove that I owed then any less than what was asked for, witch I did not have so I pled to them that I had a family to feed so in fear I did what was asked and am now paying 150$ a month for X amount of years which is so far totaling over 7000$.


Well recently cleaning out old paper work I find the collection document stating that I only owed Capital One 2900$. Witch is still a lot higher than what I believe I owed them but a lot more reasonable then what they are getting out of me. So I call the attorneys office and tell them I only owed this amount and now have proof and they tell me it's to late you should not have signed the Documents now you owe this amount HA,HA, SORRY. I and everyone that will hear me can not believe how Capital One is getting away with doing this to me and Thousands of others????

Comments
2273 days ago by Funke Ojuri
i want the capital one bank money recovery help line number to call. i need to recover my $220.0o as soon as possible, please!!!

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