I ended the "6:30AM" calls from Capital One but also demanded that they change their policy w/i ten (1) days of the conversation.
I was receiving 2-3 calls/day, beginning five days after I mailed a "chunk" payment to Capital One. Then, I got a 6:30AM collections call! Got two more that same day! I'm glad they are "recorded", since I advised the caller of the time of day it was! After that, I contiued to get harrassing and "admonishment" alls from Capital One, not "debt collection" cal1s, and "not within legal hours" to call under Federal Law.
I decided that the CEO and other officers needed to be "aware" of this illegal activity by their company! So, I decided that for every call I got, they would get one immediately afterward, AT THEIR HOMES!!! ®adless of what time of day Capital One called me! They were getting the same call that I got.
I looked up the names of all board members, w into on their "other" company affiliations. Then I did a search by www.whitepages.com for those names, in the locations of the other company offices, and NY CIty! Found the critters! Got home numbers and addresses. Then verified that I had the right persons by logging into the local TAX and DEEDs offices of each county the names were in. Located the residences, checked the $ of them, which verified that I had the right "millionaire=collector" associated w / Capital One.
At 8:20AM, 1/15/04, I received the second consecutive call from Captial One. That was it! I picked up the phone and called the residence of the former CEO, who's also still on the payroll. His wife answered. I informed her that I needed to speak w / her husband. "What's this about". I informed her it had to do with Capital One harrassing 6:30AM and multiple/daily calls. Then I advised her that for each "illegal" call I received, I would be calling her home, as well as the homes of each CEO!
I got a call from Capital One Security! He wanted to make sure that I wasn't a threat to any of the CEOs. When he learned that I had posted the phone numbers of the Officers on the internet, he asked me to remove them. I advised him that it wasn't my web site, and they were already posted. He decided I was not threat, and really had a valid claim. He even made a comment "voluntarily" about the company, saying that they were the largest complained credit card company in the US and he knew of that personally! I told him that for every 6:30AM call I got, cell phone call I got, multiple/daily calls I got, I would be calling all of the executive officers at home to "remind them that they were in violation of federal law", regardless of how early or late it was! He "cleared" me, and told me that an executie office person would call me afterwards.
I got the call from Matt, who claims to be in the executive offices. Matt wanted me to remove the phone number from the web. NO! I told him that most of my charges were the result of Capital One's "lowering my limit" to BELOW my current balance, then charging "over limit fees". I also told Matt that I would give Capital One ten (10) days to change their "over limit" policy to an ethical and honest policy, which didn't violate the "usery" laws, or I would file my complaint about the 6:30AM collections call (documented on my cell bill!) as well as the "multiple daily" calls and the admonishment calls with the FTC and OTC. That could revoke thier business charter.
To date, 1/26/04, Matt has not contacted me, as was agreed (within 10) days, regarding the policy change, which he was to present to the current CEO.
Matt did remove me from the "call" list though. He cautioned me that I might get another call the next AM (after I had two that AM) since it was computer generated to go to acollecions agent.instead of the next day, I got TWO (2) calls that afternoon, after we hung up. TWO CALLS w/i a short three hours is not "collections", but "harrassment". I have my land line calls on incomming/outgoing for that time period to document this.
Since my call to the former CEO's wife, I've not been "harrassed" by Capital One. Try it yourself! Maybe they'll change the policy, if I don't compel it first!
Carmen
Clt., North Carolina
U.S.A.
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