Capital One Bank USA, N.A
Refusal To Work Out Payment Arrangements

Sometime ago, due to the economic situation, I found myself with a delinquent credit card bill through Capital One Bank (USA), N.A.

In late I received a letter stating they wanted to work with me to help resolve my account balance. Therefore, in good faith, I took Capital One Bank (USA), N.A. at their word and contacted them to try and do so. Unfortunately, Capital One Bank (USA), N.A. refused to work with me, as claimed in their letter, although I told them I could possibly try to pay double what my regular payment had been (which was approximately ten percent or more of my total income). It is therefore, in my opinion, that Capital One Bank (USA), N.A.'s letter was false and misleading.

Following this, about mid to late January I received another letter from Capital One Bank (USA), N.A. In this letter I was given the name of a company
called MRS Associates Inc. (a Customer Care Specialist appointed by Capital One Bank (USA), N.A. to handle the situation rather than do it themselves) along with a phone number and MRS Associates Inc.'s business hours (no other information concerning MRS Associates Inc. was given).

So this time I contacted MRS Associates Inc. to try and work out a mutually agreeable payment arrangement. Everything seemed to be going fine until the representative I spoke with found out that I did not have a checking account. At this point in the conversation I was told that without a checking account there was nothing else they could do.

I wasn't given the chance to explain that, as long as my overall circumstances permitted, I would be willing to submit payment by money order and in order to verify that payment was enroute, simply provide me with the necessary information (the representative's name, phone number including personal extension number, etc.) to contact them with the required information (money order number, etc.) to let them know that the payment would have been on it's way.

Company: Capital One Bank USA, N.A
Country: USA
State: Virginia
City: Richmond
Address: P.O. Box 85617
Phone: 8009556600

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