I opened a secure card with a $500.00 payment in 2011. I was making payments as normal and admit I fell behind.
The balance when I closed the account was over my limit. After closing the account and paying the full balance I never received my original payment for the $500.00. The account was closed in April of 2012 after fighting with them for several months, I just gave up. Since then I have moved houses and just let it go.
So to my surprise I received at my new address a statement regarding the account. When I called thy could never give me the correct information about why this was never closed. I spent a total of 12 hours on the phone only to get they closed the account andwould look into my secured payment. I never received a confirmation as they said about the account being closed and nothing about my $500.00.
Today I received another statement about the account, so I called. Once again I went through the issue and told the samething a letter will be sent and we will look into your refund. I am so put out by this company. I googled the US number only to get transfered back into India.
The other thing is you cannot get a number or address to file a dispute. Why is this company so hard to deal with over a confirmation letter and my secured deposit?
Product or Service Mentioned: Capital One Account.
Monetary Loss: $500.