Capital One, RSI Collection Service (Lou Grant, & Frank Thomas)
Collector Hung Up on Me and Cursed During Settlement Call

I am in the process of trying to purchase a home. I have had two accounts with Capital One. One was paid in full, and then they sent me another card. The limits on the cards were never more than $500.00. Due to hardships, I was unable to pay off the second new card. This was over 6 years ago. I was unemployed, and at the time was a full time student. Now that I am finally working, I am willing to pay off all debts.

Of course, I need to clear my credit-especially to purchase a house. I contacted Capital One to see how much I owed them. They stated that my account was in a collection agency, RSI. I called RSI and tried to settle my account one way or another. The agreement was going to be hard to keep for me, so the next day I called to see if further arrangements could be made. This is when I was hung up on by Lou Grant, an employee. He hollered at me and was extremely rude. He plainly stated he didn't want to talk to me. I then called to speak to the manager, "Frank Thomas", and was told I just didn't want to pay, that I wanted to live in a tight box and not a house, I was cursed at, I was told my money was no good, and that he could charge more money to my account if I was to say any more words at $100.00 a word. My account balance is almost $1800.00. Mind you, my limit was only $500.00.

After being treated like this, I authorized a representative to call and help me settle with these people. No luck. They treated her just as bad as they treated me. Capital One was no help. All I wanted was to pay off my bill. I then found out that they were charging 33.6% interest, which to my understanding is illegal. This was the worst customer service I EVER experienced.

Company: Capital One, RSI Collection Service (Lou Grant, & Frank Thomas)
Country: USA
State: Virginia
City: Richmond
Phone: 8775998997
Site: capitalone.com

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