Three years ago I had to obtain some credit to help with the legal fees from a divorce. I already had good credit, but needed some extra funds. Capital One turned me down for a credit increase on the only card I had with them. Subsequently, they sent two credit card offers in the mail and I thought about geting them for the short term.
That was a bad mistake. There was a "membership" fee on all of them and when I tried to have them combine all my cards into one account, to cut these "fees", there was always an excuse. One card was a "special" account and could not be combined with the others.
Furthermore, the other two, they said, were able to be combined but the cards - one or the other was over limit and it was unallowable to combine those. Funny, it wasn't before when I requested to combine them repeatedly the first two months previous and nothing happened. I called them on the phone... Bad mistake. Apparently nobody wants to take a written message.
I am a disabled veteran who had a head injury in the Air Force. I explained that I couldn't keep track of these multiple accounts, each due on a different date, because my disability prevented me from remembering some things. Furthermore, because of the legal debt I was accruing, I explained to Capital One that it would ease my financial burden to combine accounts to keep my costs down.
No one at Capital One listens, they're trained to rip you off and they dont give out any contact person with a mailing address. I can't talk on the phone unless a friend of mine is on another line "interpreting and listening" so that they can keep track of the conversation for me.
I don't do business on the phone any more. Because of businesses like these, I can't communicate on the phone - they take advantage.
I stopped paying the cards. Two years later they want to "settle" the balance for 40%. I just want them to combine the cards into one and have a fair interest rate. Because of the overages and membership fees, the charges mushroomed these debts up to twice the original.
They avoid dealing with their customers by keeping their accounts separate and shipping them out to collection agencies who know nothing of the other accounts. So... I block their phonecalls with my computer. It works wonders for contacting me. Answering machine responds that their calls are not allowed and to please send a US mailed letter along with a name and return US Mailing address.
They are getting desparate because they still want to contact me by phone. The latest offer by mail: 40% of the debt... But it is still on one separate account. Unacceptable.
Unless there is someone at Capital One that I could write a letter, my next course of action will be with an attorney. Is there any lawsuit that I could join?
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