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Capital One
Capital One Changed my online account password, closed my account, and sent me to collections before sending me a paper bill. Internet
14th of Nov, 2010 by User431926
In 2008, I had two Capital One CCards and paid the monthly bills online. I did not use them any more (and had cut them up about a year prior to the incident), but kept them open to help grow my credit score.

In October '08, I moved to a remote location (that still received mail), I went to pay my bills online like I always did, a few days before their due date, and after I paid the first one, I had to log out and relog in for the other account. I went to log in with the same password that I have had for at least 2 years; I tried to log in and it said invalid password, I figured I typed it too fast so I retried it again...same results. I tried it again and did the "hunt and peck" method of typing the password, and the screen popped up saying that the password was incorrect and the account was locked. I waited a few hours, figuring that they would unlock it, but when I tried it again, they said that I had to contact their offices to have them reset it.

The next day, while I was out doing errands for the family I was working for, I tried to call Capital One on my cell phone, but was put on hold for over 15 minutes and couldn't wait anymore. I did this for a couple days, but every time I would be stuck on hold for a long period of time.

On this account I opted to have my bills emailed to me, as opposed to the paper copy mailed to me a few years before, so I did not have the account number to write on a check and try to mail it in. I could not find any method to contact Cap. One through email and couldn't find another way to pay. I waited to for a paper copy to come to me but never received it, I did however receive a paper copy for the other account, so I know they had my new address. The next thing I knew (less than two months later) I received a letter from a collection agency saying that they had taken over control of my account and the new balance was an extra $250. I never heard from Capital One again on this account.

I called the number on the paperwork and tried to explain what had happened and asked if they had a different number where I could call and talk to a person at Cap One, and the rep said " doesn't matter, they are going to tell you that you have to talk to us, and that it's out of their hands once it's turned over to a collection agency." So I asked them what I could do and the rep said that I would need to pay the full amount (the original amount plus the extra $250), when I refused because I didn't think it was right (and because I didn't have the money at the time), the guy said that there was nothing he could do.

Fast forward a year, the account was passed along to another company, but this time instead of calling my cell phone (the only phone number on file) and leaving a message, they called both of my parent's homes. I hadn't lived with my mother ever, and she was receiving multiple calls a day, and my father was receiving 4 to 5 calls a day from the collection agency too. I got voicemails from both of them screaming about how rude these people were and how they said they didn't believe them, that I didn't live with them and that I wasn't even in the same state. I ended up calling them and they said that I had to pay right away or the calls wouldn't stop. I told my parents to just tell them to ignore the calls, and after a few months the calls stopped.

Six months goes by and I moved into my father's home and I when I submitted my change of address forms at the post office, my father's home phone started receiving calls multiple times a day. I answered one of the calls and it was a new collection agency saying that I owed $1,300+, and I explained to the rep on the phone what had happened and he told me that he ouldn't "Officially" help me, but he told me that I should call Capital One back and try to resolve the problem with them. So I tried but they told me since the account was in collections they couldn't talk to me. I tried to explain to the Capital One rep that it shouldn't have gotten to this point because I was paying my amount down, and THEY changed my password and never sent me a bill before sending me to collections and dropping me all together, now I have a bill that double and I didn't think it was right or legal.

Now today, I get a call from a new Collection agency, and the guy called my fathers house twice and on the second ring I was able to reach the phone, and the man on the other line told me who he was, and that now the bill was at $1,900. Since the first time I talked to the original collection agency I read up on consumer's rights and know a little more of what I can do, so I told the guy the situation and told him that I would pay him today the original $600 that was owed before Capital One changed my password and closed my account, but he told me that Capital One wouldn't take that, but they would do a settlement for half the total bill. That's when I passed because to me that seems a little self serving on Capital One's part, where they would get an extra $350 for them changing my password.

I am fed up and don't want to deal with this anymore, Does anyone know of any lawsuits that I can read up on and how they resolved any similar situations?

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