Capital One Complaint: False statements or representation

#1659562 17 Nov 2015

Debt collection Credit card

Complaint #1659562 submitted on 11/17/2015 relating to Capital One. Complaint relates to Debt collection Credit card - False statements or representation Attempted to collect wrong amount.

Complaint was submitted via Web and sent to the company on Tuesday 17th November 2015.

Narrative (may be redacted).

I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.

Servicemember

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