I want to start by saying that the lowlife SOB'S at Capitol One are a bunch of theives. Myself and a close family friend had the unpleasent oppertunity to deal with these uneducated fools for over a year.
It started when my mother had a Capitol One card, she had this card for quite a while and was never late on any payments. She fell for the scam that they offered for their "Payment Protection", which is supposed to make regular payments in the event that you are disabled.
Unfortunatly, mom started getting sick. In order to keep making house payments, utility payments, and other financial obligations, she kept her job as long as she could, up until the point where she could no longer walk on her own and the doctors said she was disabled. At this time we sent the paperwork that Capitol One claimed that they needed.
The contract says that you must continue to make payments until Capitol One steps in on their plan. A close family friend quit his job to take care of moms daily needs and trips to the doctors which was 200 miles away. The doctors finally came up with a diagnosis of ovarian cancer that had spread to several organs in her body and her brain which did alot of damage.
For 8 months after mom quit working, we kept making payments on all of her accounts, including her Capitol One credit card. 8 months had gone by with several conversations with these bastards. At this point there was no more money to pay Capitol One. so we were forced to stop paying on that account.
At this point the people there were more than happy to send a letter saying that since we had missed a payment we had breached the contract for their Payment protection plan, and therefore they were no longer responsible.
Over the next 8 months, I spent well over 100 hours on the phone, constantly getting transfered back and forth and eventually hung up on. They hired 3 differant lawyers. Each time I received letters from these lawyers I would have to explain the situation to them for a couple of months. The first lawyers firm steped away from the case, as well as the 2nd. After 8 months the 3rd lawyer called and told me they had no case and they were going to drop it.
Mom spent 8 months paying on this account when she had no money coming in, and eventually went to a nursing home. Capitol One had an obligation to pay this and backed out. This was a drop in the ocean for Capitol One, but made this part all of our lives a nightmare. If I could find any one of these *** from Capitol One,I would rip their arms off and beat them with their bloody stumps.
It is unbelievable that a company that size can spend so much time and money trying to rip off a dying woman, all for $1500.00
I just wish to thank Capital One for giving me the privilage of paying for Payment Protection for 6 years and then denying a 100% disabled veteran Payment Protection as advertised. I also wish to thank Stonebridge Benefit Services Inc for it's part in violating my civil rights granted under federal law. If you have ever signed one of Capital One's Payment Protection Activation forms, It is a blanket authorization for both Stonebridge Benefit services Inc, and Capital One. As required by law, these forms do NOT disclose that they are optional. If you signed one of these forms, I would contact your Attorney General for your state, And tell them the story. Companies that thrive on STEALING and VIOLATING peoples rights that are unemployed, disabled and unable to work, need to be made to pay for thier actions. If you need a copy of this form, send email to . This form even allows Capital One to full access of your medical records EVEN prescriptions!! I think it would be safe to say that it just might be a violation of your rights under the Codes of Federal Regulations, which is also a violation of your privacy.
When a company has to TRICK you into signing a form, isn't that a SCAM ?
seems like its everywhere, i had paid off my cap one account, but months later they are still contacting me for more payments for insurance, i keep asking them how could the insurance firm take money out of a closed account, its just a rip off, and why the so called governing bodies are not doing anything about it is anyones guess
This was my first credit card, and I was told I needed to get this payment protection plan for the card to be approved. I've been paying on this for 5 years, and just recently learned it would never pay off in my situation. You have to be a fulltime worker. Apparently, it wouldn't even pay for disability. The only way the payment protection plan would take over is if I died. I was never given this information when I agreed to take this plan.
I am going through the same thing with their fake insurance and they are currently suing me after messing up my credit for 10 years. If this happened to you, please email me at so we can help each other. Whoever wrote this one, are you willing to sign an affadavit for me to use in court?
7. Written by how can we beat these blod su, on 05-06-2008 17:14
after being hospitaised and 14 months of treatment, through which I endured cal after call, Ihave received a summons. I could Use some legal info. for pro se defence in nj.
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