Capital One changes my terms, then REFUSES to accept it when I decline

[RobJohnson]

Capital DUmmie

FlyingSquirrel  (1000+ posts)        Fri May-29-09 10:35 PM
Original message
Capital One changes my terms, then REFUSES to accept it when I decline in writing.
 (This was done online through account messaging)



Original Message Follows:
------------------------
Account ending in: XXXX

I choose to decline the rate changes to my account. Please close my
account when you receive this message. Thank you, XXXXXXXXX



Their Response:
--------------

Date: May 20, 2009 04:46 PM
Subject: Re: Account terms (fees, APR, etc.)
Message: Dear XXXXXXXXX,

Thank you for contacting us about your Capital One® account. You
recently wrote us to let us know you want to decline the changes to your
account terms. Unfortunately, you cannot decline the changes to your
account in writing. To decline the changes, please call 1-800-214-3755.
The deadline for declining changes is 8:00 p.m. on July 28, 2009.

Once you decline these changes, you will not be able to reopen you’re
account. It will be permanently closed on August 2, 2009. If you decline
the changes, you will be able to pay down your balance at your existing
terms.

If you have any questions, please call us at 1-800-955-7070. Our
Customer Service Representatives are available 24 hours a day, 7 days a
week.

Sincerely,

Capital One Services, LLC



My Response:
-----------
BS. You're trying to make it so I can't prove that I declined the changes. I called your toll-free number and declined the changes. Please tell me in writing that you've received my phone message declining the changes. Every other credit card company I've had has allowed me to cancel in writing, and I see no reason for you not to accept my declining in writing except for you to be able to deny that I've done so.

They didn't refuse, you just have to call, does not sound like a big deal to me.

FlyingSquirrel  (1000+ posts)        Fri May-29-09 10:49 PM
Response to Reply #7
8. I did call the 800 number. But I have no proof that I did so.
 I want proof. If I were to send something in writing, I would still have no proof - only thing I could prove was that I sent a letter and they received it. Couldn't prove what I sent, even if I made a copy for myself. That's why I want to do it via their messaging system. 

 




 

[Ralph Wiggum]

Dear DUmmy:

We respectfully request that you pay your outstanding balance or the monthly minimum, or we will have the option of increasing your interest charge.

Thank you,

Credit Card Company

DAmn BushHitler companies, making me pay my bills!!!!!!!!!!

[RobJohnson]

DAmn BushHitler companies, making me pay my bills!!!!!!!!!!

BASTARDS! 

[Tantal]

Strangely enough, I'm with the DUmmie on this one. Credit Card companies have been known to do some crooked chit. Why not just send the DUmmie a damned e-mail indicating that they're closing the account and be done with it? Further, the DUmmie should be able to pay off his/her account at the rate that was in effect when the charges were made. This is also precisely the reason that I don't carry a balance on my credit cards. I may order something from the internet using the card, but then I go to BofA online banking and pay it immediately. I'm what the bank refers to as a "deadbeat" since I don't let them ding me with any fees or interest.

[thundley4]

Once you decline these changes, you will not be able to reopen you’re
account. It will be permanently closed on August 2, 2009. If you decline
the changes, you will be able to pay down your balance at your existing
terms.

I smell a bouncy. I sincerely doubt that the response from the CC company would have misused "you're" in place of "your".

[Chris]

I smell a bouncy. I sincerely doubt that the response from the CC company would have misused "you're" in place of "your".

I work for a credit card company.  The people running the Customer Service department can't spell for shit.  Don't get me started on their grammar.

The department manuals are cringe-inducingly bad.

[thundley4]

I work for a credit card company.  The people running the Customer Service department can't spell for shit.  Don't get me started on their grammar.

The department manuals are cringe-inducingly bad.

I still say it's a bouncy, if for no other reason than :
DUmmies lie, DUmmies lie all the time.

[RobJohnson]

I smell a bouncy. I sincerely doubt that the response from the CC company would have misused "you're" in place of "your".

Good find...also this

Subject: Re: Account terms (fees, APR, etc.)

looks fishy, but maybe he is trying to retype something they sent him....who knows  Like Chris said, some people just cant spell either...it happens.