Capital One
Unsolicited Second Card and Disputed Balance Led to Collections

During the reconstruction of Capital One Co., Somehow they issued a second card number to me (unsolicited). I was unaware of this until I started to receive what seemed to me at the time incorrect billing for late payment of $25.00/mos. After I had made a payment. During this time I had just received a diagnosis of cancer and my husband had just been diagnosed with Alzheimer's, so I just was not as quick to catch the supposed error until I started to get threatening letters from them.

When I spoke to customer service rep. I was informed that I had two cards. I had never received another card I explained because I had never requested one. It was further explained that the balance on the second card was already $400.00 and my original card was now $1475.00. Well my limit was $500.00 on my original card and my statements only showed $375.00 balance.

I requested of the rep. A copy of my signed request for the second card and a copy of the items recorded to justify the $400.00 I was told that they would "process my request" and that I would receive that information in 10 to 15 days. I to date have not received a reply, or another monthly invoice (for either account). So I did as I had said I would and never paid another dime on the original account. However 4-6 months later I began receiving threats from collection attorneys etc. I have been to court on two occasions and both times the case has been dismissed but they have allowed the account to be sold to more than ten collection agencies since 2000.

Company: Capital One
Country: USA
Site: capitalone.com

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