yfan wrote:They are doing this over $1,700 from a disabled, elderly woman? I hate to say this, but you need to play hardball. Call your local media - local TV stations, radio stations, newspaper, if you have one. Ask for their investigative/"on your side" division and tell them your mother's story. Spread the story by social media and tell your friends to promote it on social media. Capital One is well within their legal rights to do what they did, but that doesn't mean it shouldn't earn the heartless bastards some bad press. BUT, when you go to the press, please only say the truth. Offer them the ability to talk to your mom or even take a short videotape.
If they get enough of a pushback, they may well decide all this bad publicity isn't worth it over $1700 and just forgive the debt.
In TOTAL agreement with this ! ! ! Also, as Membersince99 advised, seek counsel of an attorney. Call your local bar association, there are lots of lawyers that would take a case such as this pro bono (no fee). As maligned as attorneys are, there are lots that would be willing to help a good cause, especially one that doesn't fancy Capital One. There may be attorneys in the area that specialize in consumer issues.
Also, if you have access to Facebook and/or Twitter, post your situation there in the public comments area. That will get their attention. You can also send an email to Social@CapitalOne.com
give them the details you've provided here to them in the email. Emails go to the Executive Office Team, and you can specifically address the situation to their CEO, Richard D. Fairbank.
Anecdotally, I've read that CapOne is very sensitive to public exposure in social media, so that would sure be a good way to go.
DON'T GIVE UP! As yfan said, play hardball with them. MAKE them back down!
Best of Luck to you for wanting to help your Mom!