Remember Peggy?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Mitch
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Remember Peggy?

Postby Mitch » Sun Feb 08, 2015 1:51 pm

I always watched those commercials, and thought they were funny. But, I never thought they'd be anything close to reality at a bank. Especially a big bank.

Turns out. I was far from wrong.

My Capital One card. My $300 Card, that I never imagined anyone would actually want, was stolen two weeks ago. I honestly didn't know anything was wrong until Mint.com sent me this really weird email (at the time) saying I had negative available credit on my Capital One card.

I logged in, and it was not only maxed out, but over limit (even though I had specifically disabled over-limit "protection").

I called and spoke to one person, who just couldn't speak a bit of English. So I hung up, and on the 2nd try, got a lady who seemed to understand somewhat what was going on.

My card was reported stolen, and I was told a new one would be mailed to me. I was also told, she'd fill out a fraud claim, to get the process moving along.

Okay. I wasn't exactly thrilled with the fact, I was talking to someone in India, but, I was glad at the time, that I thought everything was figured out, and fixed for the moment.

Nope.

I received a "new" Visa card, with the exact same account number, expiration date, and CCV. So I called Capital One. And, I'm explaining to the representative, that my new card, shouldn't even be able to be activated since that number was stolen.

What does he do? He goes ahead and re-activates the stolen card. I say, no, no don't do that. But, he said, he already had. I say, please transfer me to someone else. And than I'm put on hold.

Eventually, I'm hung up on. And I call back, and explain what has happened so far. Eventually two people later, I get to someone in the "Fraud" department.. who said, a fraud claim was never started. Also, my card was reported as lost, and it was marked that I wanted one with the same information. Not a new card, with a new number.

I get told again, that a fraud claim has been filed with all the charges, and that'll I'll actually receive a new card in the mail, with a new number.

I feel semi-confident, with Capital Idiots now. And, thank it's all over with for now.

Well. I receive my new, card, yet, I still don't have any available credit. I call the morons again, and this time, they actually file the "fraud" claim. The one that was never filed by the two supposed representatives.

Okay. My card will work again, in a few days. I've kept my cool, through all of this, and haven't yelled at anyone. I'm appalled at the lack and disconnect over there, but, everything's fine now. Right?

No. While Capital One "investigates" my little foreign shopping spree. Which may take as long as 3 months, the value of the transactions placed against my account, are being held. So, I only have $21 credit limit.

To make things more fun though, I've been told, I'm required to pay the "Cash-Advance" fee that was assessed by two transactions I had not placed myself, while they investigate my claim. And that I *may* refunded for the fees later.

Honestly, I really don't wanna pay the $20 in fees. Esp considering one of them was for .50. But, I'm going to because, I don't wanna pay interest on them. And I'm certainly not going to ruin my credit over there incompetence.

But I swear, as soon, as I can close this account. I'm going to in a heartbeat. These people are the most pathetic, incompetent dunces I've ever meet.
----------------------------------------------------------------------------------------------------
Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.


flan
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Postby flan » Sun Feb 08, 2015 2:52 pm

Mitch wrote:I always watched those commercials, and thought they were funny. But, I never thought they'd be anything close to reality at a bank. Especially a big bank.

Turns out. I was far from wrong.

My Capital One card. My $300 Card, that I never imagined anyone would actually want, was stolen two weeks ago. I honestly didn't know anything was wrong until Mint.com sent me this really weird email (at the time) saying I had negative available credit on my Capital One card.

I logged in, and it was not only maxed out, but over limit (even though I had specifically disabled over-limit "protection").

I called and spoke to one person, who just couldn't speak a bit of English. So I hung up, and on the 2nd try, got a lady who seemed to understand somewhat what was going on.

My card was reported stolen, and I was told a new one would be mailed to me. I was also told, she'd fill out a fraud claim, to get the process moving along.

Okay. I wasn't exactly thrilled with the fact, I was talking to someone in India, but, I was glad at the time, that I thought everything was figured out, and fixed for the moment.

Nope.

I received a "new" Visa card, with the exact same account number, expiration date, and CCV. So I called Capital One. And, I'm explaining to the representative, that my new card, shouldn't even be able to be activated since that number was stolen.

What does he do? He goes ahead and re-activates the stolen card. I say, no, no don't do that. But, he said, he already had. I say, please transfer me to someone else. And than I'm put on hold.

Eventually, I'm hung up on. And I call back, and explain what has happened so far. Eventually two people later, I get to someone in the "Fraud" department.. who said, a fraud claim was never started. Also, my card was reported as lost, and it was marked that I wanted one with the same information. Not a new card, with a new number.

I get told again, that a fraud claim has been filed with all the charges, and that'll I'll actually receive a new card in the mail, with a new number.

I feel semi-confident, with Capital Idiots now. And, thank it's all over with for now.

Well. I receive my new, card, yet, I still don't have any available credit. I call the morons again, and this time, they actually file the "fraud" claim. The one that was never filed by the two supposed representatives.

Okay. My card will work again, in a few days. I've kept my cool, through all of this, and haven't yelled at anyone. I'm appalled at the lack and disconnect over there, but, everything's fine now. Right?

No. While Capital One "investigates" my little foreign shopping spree. Which may take as long as 3 months, the value of the transactions placed against my account, are being held. So, I only have $21 credit limit.

To make things more fun though, I've been told, I'm required to pay the "Cash-Advance" fee that was assessed by two transactions I had not placed myself, while they investigate my claim. And that I *may* refunded for the fees later.

Honestly, I really don't wanna pay the $20 in fees. Esp considering one of them was for .50. But, I'm going to because, I don't wanna pay interest on them. And I'm certainly not going to ruin my credit over there incompetence.

But I swear, as soon, as I can close this account. I'm going to in a heartbeat. These people are the most pathetic, incompetent dunces I've ever meet.


Dispute it in writing. Your mistake was using the phone. (Well, and having a card from capital one.) They are prohibited, by law, from charging you interest while they investigate. Also, call you local police, and get a report number. (they won't do anything, of course, but that backs up your claim of fraud.) Put that in the letter disputing the charges.

Also, publicly tweet something like "@capitalone Reported fraud on my card. Capital one sends fraudsters new card, and charges me fees. #fail". Twitter is superior for this to facebook, because it's public, and they can't delete your tweets. It might not get you anywhere, but it's amusing....

Peggy
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Postby Peggy » Sun Feb 08, 2015 3:31 pm

How sweet of you to remember me during this traumatic time!

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PlyrStar93
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Postby PlyrStar93 » Sun Feb 08, 2015 10:21 pm

In such case I would have to explain all this situation in writing and mail to them certified + return receipt. (What is their address? You might have to figure out from a credit report.) On the other hand, call the Executive Office instead of the regular customer service (which are usually outsourced to overseas and have completely no clue about what they are doing). The EO generally have much better experience according to others reports. I would anticipate them being able to resolve your issuer in the way you are satisfied with. You could ask if they can waive the fees immediately.

To elevate the case, consider filing a complaint to the Consumer Finance Protection Bureau, especially how Capital One resolves fraud and making you pay what you are not supposed to pay. Sometimes it's pure waste of time dealing with rookie customer services.

Postscript since you bring this up, I actually have been watching the Peggy commercials over and over these days. Although having been five years, I would regard the Peggy series better than the ones today (two identical persons talking on the phone). Too bad USA Prime Credit has presumably gone bankrupt since all their cardmembers have supposedly switched to Discover.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

Mitch
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Postby Mitch » Fri Feb 13, 2015 1:17 pm

Well. After a few hours & emails to the EO, my account, now has a credit for the fees I paid, and I have my full credit limit back.

Only thing bad is... It shows my highest "balance" on my card as $302, from a mid-cycle report. Is this something I can dispute myself through the CB's? Or, is something else I'd have to take on with Capital One.
----------------------------------------------------------------------------------------------------

Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.

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PlyrStar93
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Postby PlyrStar93 » Fri Feb 13, 2015 1:44 pm

The historical "high balance" on report doesn't matter in terms of credit score, and lenders won't put attention on that in general. As long as you fix the current balance, it's fine.

You may try disputing it, but credit bureau may either ask for proof or simply tell you to contact creditor and let them update your report directly. Technically your account has had such a balance at the time reported, so it's not inaccurate, and I doubt it can get changed.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

lucasoil4u
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Postby lucasoil4u » Fri Feb 13, 2015 3:49 pm

And people wonder why i told them to pack sand literally. :oooo



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