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
Product or Service Mentioned: Capital One Credit Card.
Monetary Loss: $800.