On or about May 2nd of this year, I contacted Capital One to close my account. Payoff balance was over $700. Spoke with two gentleman, with the second gentleman asking if there was anything they could do to keep me as a customer. I said no. They thanked me for my business and to consider them in the future. Both gentlemen confirmed that the account was closed as long as I didn't charge anything to it. The card was cut up immediately and no charges were made.
Here we are, August 29th, less than three months later, and the account was still open! Just got off the phone with Twila in Customer Service (okay, laugh with me now). She says no, I never closed it. Got into a debate and just paid it off again.
According to Twila, I can call tomorrow to request that a letter be faxed over to me stating that this account is closed. I have a funny feeling I'm going to be told that they don't do that. I also have a funny feeling that as of Sept. 20th, the account will not be closed and they are going to charge me another $6 fee.
I do believe this may very well be the credit card authorized by Satan himself. So, I'll call tomorrow and prepare for an argument. Any legal remedies I can pursue to get back the additional funds I paid out today?
For the entire history of this card of approximately 3 years, all payments were made online. When I paid it off in May and again today, these were the only two times I called and paid by phone. I do believe I could use that in court as evidence of my claims.
Never screw with a court reporter who actually works in the courts. This one knows just how to handle this small claims process. Now to talk to one of my attorney buddies to see how best to handle it.
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