It was from Capital One Feb. 14 statement that we first noticed some charges from merchandize we never heard of before. My wife encircled those charges (5 items) and sent our payment subtracting the disputed total amount. When we got the March 14 statement, not only did we see those items we disputed earlier but a lot more were added anew. My first complaint letter went out to them on April 2 for 1. Not crediting us with the full amount that we earlier demanded; 2. For charging us a Finance Charges and Past Due Fees associated with the portion of previous claim which they disagree; 3. To dispute six (6) more items, including those appearing on Feb. 14th statements.
On April 10 we received a response acknowledging us a credit for only one item $29.95. Almost an identical letter from Joel Amey, Salt Lake City, Capital One, dated also April 10th, has credited us for $39.95. On April 18th, apparently acknowledging our April 2nd letter, credited us all six items and Finance charges associated with it. April 23rd, we re-sent our April 2nd letter but now was adjusted to reflect those disputed items they ceaselessly ignored. Not until May 9th followed by May 16th did we get letters telling us same thing that the monthly subscription amount of $99.99 from Rhapsody Unlimited is valid, proof of which is an invoice with my name and address and my Visa last 4-digit number. This is no different than those six or more other merchants I'd never heard of but knows my Visa card number (identity theft could only be possible if Capital One sold my identity to them). Valid only means, they could show proof of authorization by me.
On October 20th, I sent back all Credit Cards issued in my household (broke them into two pieces) and asked Capital One to cancel my accounts and asked that I be left alone and no interests to do business with them ever again. For over two (2) months, phone calls (no less than 10 calls a day) from their collection agencies, Signet Bank and Total Debt Management (TDM) has really wreck me to pieces. At this time they also warned me that this will appear on my Credit Report. Ultimately, I had to threaten to hold them liable for harassment and because I got so sick and tired ripping me of, I reminded them about their No Hassle Miles program that they ought to send me a check for $375.00, having denied once My account is not setup to allow rewards purchases, when trying to claim for it. I assured them at that time that a consumer complaints will be filed, but I never did. Consequently, now is the time I can no longer hold it, and file same complaint to the FTC.
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