Contains mailing address for capital one ceo
Basically, I think the letter below covers the lowlights of my four year experience with this company. Three years building up good credit, and one year after I closed the account in disgust I'm still waiting for them to report the good credit I built up with them. If you are being charged suspicious late fees, they are fraudulent; they do this to a lot of people. When you decide to close your account, the games begin. If you intend to pay off the balance, send a certified letter return receipt requested in with the right amount on the day they will receive it (they play games with the interest). Send it in plenty of time. Below, you can find the mailing address for their CEO. You can find the mailing address for the Attorney General of their home state, Virginia, on line. I'd say that sending copies of your letters to them to her sounds like a good idea.
Letter:
May _
Mr. Richard D. Fairbank
President & CEO
Capital One Financial Corp
1680 Capital One Drive
McLean, VA 22102
Notice of intent to file complaint with virginia attorney general
reason: holding good credit hostage, other violations
Dear Mr. Fairbank:
Capital One is holding my good credit hostage through lies and subterfuge. There is currently a housing crisis where I live and the loss of the asset of the good credit I built up with you is serious. Multiple attempts to get you to report my use of credit had no effect. Your employees claimed twice that you would at least sent me a letter confirming my account history and use of credit but they never did. This is not an accident. I've found many accounts online of similar behavior by your company intended to prevent your customers from leaving you and getting credit elsewhere.
You also charged me for late fees even though I mailed my checks in time (and there are plenty of complaints about you doing this online) You preventing me from closing my account by subterfuge (and there are plenty of complaints about you doing stuff like this online.) Dealing with Capital One has wasted incredible amounts of my time. You've for sure lost a customer for life and I'm not the only one.
I want:
My good credit reported accurately under BOTH my organization's name (and employer ID number) and my own name and social security number. That report should say that I paid my bill on time for three years, except for one thirty days late payment, and that the account is it now closed and paid in full. This should all be reported to the three main credit reporting agencies under both names and as well as Dunn & Bradstreet for the organization. You made me personally guarantee this account and if I assume the liability, I deserve the credit too.
I want $1,000 for the loss up to now of my good credit history, stress, much wasted time and punitive damages. This includes roughly a hundred dollars for improperly charged late fees. This amount is symbolic and in no way reflects the true losses involved. I will ask for more later if I have to file a complaint or lawsuit.
If my credit has not been accurately reported within 30 (thirty) days from the receipt of this letter, and I have not received a check for this amount, I will file a complaint with the Attorney General of Virginia.
Sincerely,
(this customer)
Cc: The Honorable Judith Williams Jagdmann, Attorney General of Virginia
The Honorable Eliot Spitzer, Attorney General of New York
[Although I don't live in New York, this Attorney General is tough on corporate criminals and I want him to know about Capital One]
Good luck to anyone in dealing with this company. Based on my life experience including this episode, It might be best to get a card from your own bank or a large reputable bank in your area.
Anonymous
Honolulu, Hawaii
U.S.A.
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