Two weeks ago I wrote a check to Capitol One for $500.00. This tuesday, I called my bank to see what checks had cleared. To my amazement check #2047 cleared for $1500.00. I don't write checks of that sum often so I looked it up in my checkbook and sure enough, check #2047 was written out for $500, having a carbon copy of the check right in from of me.
I immediatly called the bank and was told there was nothing they could do, the money had already been transfered, but to call Capitol One and they could just transfer the $1000.00 back into my account. Sounds simple enough.
I call "customer service" and after several attempts to reach an actual person, I hit the button that would take me to "change my billing address" figuring they want their money so I'm sure to get an actual person.
After getting transfered several times I finally got a pleasant woman named Katie, she apologized for the mistake stating the computer must have read the check wrong. (Which I still don't understand since FIVEHUNDRED DOLLARS WAS WRITTEN VERY NEATLY) I didn't know there were illierate computers too.
She assured me the money would be wired back into my account within 48 hours. That was tuesday. Yesterday, the money was still not there, so I called again, getting another person, having to tell the same story over again, being transferred several times. This time woman #2 says, i'm going to transfer the money right now, it will be in your account by tomorrow morning. Which means, Katie never did it to begin with.
Well at 9 am this morning, the money wasn't there. At noon I called yet again, going through the same routine. This time I'm told it takes 72 hours, but wait... Not just 72 hours but 72 BUSINESS hours. Which with my calculations is 9 business days. But then she said "I'll take care of it right now. The money will be there either today, tomorrow, or Monday."
This had left me with a total of $46 dollars in my checking account. 2 children to feed, gas to get to and from work... And I am praying my mortgage doens't bounce.
Capitol One is the biggest rip off ever, I'm sure this is not the first time they have done this. I cannot wait to have that card payed off and be rid of them. I will be sending them money orders from now on.
Russell
LaPorte, Indiana
U.S.A.
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