On April 12, 2011 I contacted Capital One for a payoff on a loan that had originally been taken with Hibernia Bank in Louisiana. The agent that I talked to give me the amount of the pay off and took my checking account information to debit my bank account for the payoff. He then give me a confirmation number and thanked me for doing business with Capital One.
First of all, I did not sign a contract with Capital One. On one in their right mind would do that. My contract was with Hibernia Bank.
Any way May 28, 2011 I received a letter from this same agent telling me that my payment was late and that late charges had been added to the payment. I tried every five minutes for over an hour to contact this agent at his extension without any success.
I then called the customer service number and spoke to another agent who informed me that I was given the wrong information by the first agent I talked to concerning the payoff.
My whole deal is that now it has been reported on my credit information that I was late on my payment and now my credit score has been affected.
Again today, 5/31/2011 I have requested payoff and supplied information from my checking account for that payoff. So I have payed of this same loan a second time. Thank you Capital One for screwing up my credit report and cleaning out my wallet. May God bless you the same way you have blessed me.;
Product or Service Mentioned: Capital One Checking Account.