capital one cheated me 2 grand!

kasra007 · #1 (**permalink**) 06-16-2008, 10:23 PM

Well here is the story

5 days ago i was online checking my statements in capital one and i noticed that they had charged me an interest fee (even though i had 12 months 0% interest). i call them and they tell me that they can do that and they can cancel it any time, i got angry at them and i called them cheaters and hung up on them. the next day i called them again to try to fix it, becasue i didn't want to pay any interest, i have an excellent credit history so.. yeah =p. next thing i call them, some one from india picks up and they ask me that before they can insist me i have to give them a password? and i am like wait what ? wtf? and i tell the rep to transfer me to us, but she transfers me to canada.. ( i did not say north america..) i talk to them and they tell me that they can't assist me with out a password (I NEVER PUT a PASSWORD.. kept me wondering UNTIL NEXT DAY). i wake up.. login to capital one.. "2000 dollars balance trasnfer" WTF???????????????????????? i was so pissed and i immediately called them, and again, what is the password to the account? ( i never put a god **** password on the **** account but they kept asking). finally i hung up mad as hell. then i think for a minute and figure everything out..

they did this casue i pissed them off and called them cheaters. they put a password on the account so i can't get any info about it on the phone. RIGHT THE DAY AFTER they purposely put a 2000 dollar balance transfer in my account? seriously WTF?
NOW why.. i am sure that this is THEM and not anyone else. this credit card has 30k credit line, who the hell steals a credit card and transfer 2k balance? thats kind of hard considering they would need social and a **** load of more info.. if it was stolen or hacked, wouldn't the guy go on a shopping spree for 30k? i mean seriously..

well i called them again and a guy from us picks up and i try to explain to him theres a 2k balance transfer on my account which i never DID, and hes like "UHM i don't see any". i yall at him "LOOK AT THE TRANSACTION DETAIL" oh yeah i see now, he takes 5 mins to go and investigate. he comes back "sir, your account seems to been have hacked" i am like wow am i not suprised, and then hes like sir i can't discuss this i am going to close this one and issue u a new credit card. he won't even tell me where the 2k balance trasnfer came from. i have the right to know where the hell a 2k debt was trasnfered to MY ACCOUNT with out my premission.

now the other problem, before all of this happened, i had a balance of 1500 and now i have to wait for the cc to arrive, and my then it might be too late?

seriously i want to kill capital one, and i will take them to court if i have to. please some one with advice on how to deal with this and take them to court help me. i don't know what to do. i have already talked with a lawyer, that will be calling me soon to talk about this matter. any help will be appriciated.

Jeanie · #2 (**permalink**) 06-16-2008, 11:53 PM

You are doing the best thing right now, contacting a lawyer. This is such a scary thing that sadly happens to people. I have a Capital One card and I have not had any problems and pray that it stays this way! Maybe someone will come along here who has had this happen to them and have some advice and what not but, until then, good luck and keep us informed of how things go!

~Jeanie

kasra007 · #3 (**permalink**) 06-17-2008, 10:01 AM

its very obvious this was done from inside of the company. i am certainly sure they have the power to do such things like this. else a 2 grand balance transfer doesn't just come from no where.

Jeanie · #4 (**permalink**) 06-17-2008, 12:06 PM

I agree...

~Jeanie

kasra007 · #5 (**permalink**) 06-17-2008, 01:40 PM

the lawyer hasn't contacted me yet, as of now there isn't anything i can do. if capital one reserves the charges, then its all good. if they don't i am going to take them to court. i have a screen shot of my total balance showing BUT NOT the exact 2000 balance transfer. i'll just present it in court and ask them to provide the transaction details and they have to do add up to the balance. they can't say no, they have to reveal everything in court. this is why i hate outsourcing jobs, especially credit card companies that contain VERY sensitive information. wtf is America thinking? next thing you know foreign countries will own us.

another thing... if i am able to get this issue popular enough, it will get attention. the problem is, i don't know how.

kasra007 · #6 (**permalink**) 06-17-2008, 09:12 PM

UPDATE -

i just came home and had a letter from capital one with a check for 2000 dollars, no letter, no nothing just a check inside an envelope. so what does this mean? basically they know what they did so they sent me a 2k check. this was done from inside, and this was a decision made by a person in a high level position. they still owe me 60 bucks finance charge for the balance transfer I NEVER DID..
this even more proves that they did it, which god **** company sends u a mail with just a check in it with out any explanation? wow.. rofl

Jeanie · #7 (**permalink**) 06-18-2008, 11:23 AM

I would be careful with that one too!! Sometimes if you cash checks like that it becomes a balance on your credit card..make sure you call and talk to someone or get something in writing that this will not happen if you are to cash it..

Good Luck to you..

~Jeanie

formercap1agent · #8 (**permalink**) 06-21-2008, 08:54 AM

Sounds to me someone on the inside put through a direct check (like a balance transfer but instead of paying another company, they send the money to you, either as a check or a direct deposit into your bank account).

As for the whole password thing, could be one of several things, and as a former agent I can tip you off on what it could be. Sure, your account may have been hacked by someone on the outside but like you said, who would hack an account and then only send the CARDHOLDER a $2000 check, sounds stupid, when they could run up all sorts of charges, take money out of ATMs (if they knew your PIN and made a fake card with the correct numbers on the stripe), etc.

So that brings us to the other possibility, that it was an inside job. What could have happened is one of the agents you disrespected (and unless you do the job for any length of time you have NO appreciation for how stressful it is) put through a direct check and added a security password to your account since that effectively locks you out from calling in. So, the agent probably got credit for a sale (which goes towards his bonuses, raises, gains him/her promotions, etc) and got some satisfaction knowing he/she screwed over a real jerk (in his/her eyes) and knows you'll never get another agent or a supervisor until you send in a password change/removal request (which must be done IN WRITING and takes a couple of weeks to process!)

Obviously if this was detected by management such an agent would be disciplined, but most violations get swept under the rug, and veteran agents know how to cover their tracks (and don't think asking for a "supervisor" gets around this -- they'll do it too if your behavior warrants it)

Given your attitude towards Indians and Canadians I'm not surprised this happened to you. Not saying it's right, but when you act like a racist jerk and insult and abuse low-paid people who have ALL YOUR PERSONAL INFORMATION AT THEIR FINGERTIPS you get burned. As a former insider I saw it happen, I know it happens, and honestly, when someone treated me like crap don't think it wasn't tempting me... It's people like you which made me glad to be out of there.

FC1A

kasra007 · #9 (**permalink**) 06-21-2008, 09:05 AM

i never said i am racist towards indians or canadians wtf.. i am asian my self. it pisses me off that capitalone has out sourced its jobs. i don't want to give my info to some one on the other side of the world, god knows what the **** they will do to your info. my lawyer said to wait for hard copy statement, then he can take action.

formercap1agent · #10 (**permalink**) 06-21-2008, 10:00 AM

Oh, and we used to love it when customers threatened lawsuits, like you're doing. Ever heard of arbitration?

If you threaten legal action/contacting a lawyer, the agent is supposed to get a supervisor who will not-so-nicely point out that you can't sue the bank, as per your agreement... it was always music to my ears to hear my manager shut up some abusive loudmouth in her trademark snooty tone "no sir, we will elect arbitration and you will lose."

One time I had some moron acting like some tough-guy with "My brother is a lawyer, I'll sue your ass" and my manager said calmly and, again, with a snooty tone "He must not be a very good one because you don't have a case". It was all I could do to prevent myself from bursting out in laughter...