My best friend had this incident:
When you call Capital One's automated phone, they have a message saying "If you have been affected by Hurricane Katrina, press 1 now". Press 1 and they ask for account number, then someone in India answers, "Welcome to Capital One can I help you" with terrible accent you can hardly understand.
My friend's business was severely damaged by Katrina and Wilma, so she explained all and if she could have a line of credit increase. Without even checking her account on the computer, they said unfortunately we cannot give any increases at this time. When she asked why, and why then they had that message "If affected by hurricane..." replied, "Mom, sorry don't have answer" or something stupid to that effect. She asked to be put with a supervisor and they refused. After much pleading and three other Panjavis, they did put a supervisor who authorized $250.00.
This $250.00 had to be retrieved from the account before midnight of same day. Ok no problem, she paid an online supplier for more merchandise that was lost in hurricane.
A week later, she receives a phone call from Capital One collection dept demanding payment of $250 plus overlimit fees and past due fees. Then next day a letter threatening to persue matter further if she did not pay immediately.
She talks to a rude person who reluctantly puts her with a supervisor. This supervisor tells her they never give credit line increases and that if they did, they automatically charge it as an overlimit and access fees, and this overlimit balance as they call it must be paid immediately.
She asked this supervisor where he was, and he replied Phillipines.
1. Why the * do they have a recording to help hurricane victims when they don't?
2. All their jobs outsourced to India, Phillipines and who knows where else. Using incompetent cheap labor and taking jobs from deserving Americans. Jobs which are very much needed here by thousands of hurricane victims from New Orleans and other parts affected.
This company has to be seriously investigated by federal authorities for numerous violations to consumers. But till we continue to have a corrupt administration in white house, we will continue to have corrupt companies like this.
Capital One No Hassle Card is NO NO NO and a lot of hassle.
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