Need assistance dealing with Capital One's fraud department

[n8newton]

So I need assistance dealing with Capital One, opened an account in 2011 to help rebuild my credit score after post-college debt. I was approved for $300 and always paid it on time. After returning to the country in 2012 from deployment abroad, I started using the card and paying it with a joint account I held with my grandmother. Capital One flagged for account verification and potential fraud. After several attempts to verify my account and identity through email, fax, and telephone. I gave up with a $0 balance on the account and I didn't recieve anything for 2 years from them, hoping they had closed the account because they would not allow me to do anything with it, including close it. Then in April 2014 they began sending me emails that I had an annual fee that was 30 days in the rears and so I called attempting to pay and close the account again only to be told once again that it was flagged for fraud and there is nothing I can do until they get proper paperwork. Of course I attempted multiple times over the past 4 months to correct this error and close the account. I have sent in PDFs and JPEGs of my statements, copies of my DL, SS card, and Checks only to be told they needed something else or the they did not recieve the items. I have even went as far as to do a three way call with my grandmother and a supervisor. My bank has also faxed the information to them. Also note that I have sent each docs multiple times through the email link that they give to upload docs or have faxed them in. Now after spending 3 hrs on the phone today they have told me I have to physically walk into my bank with my grandmother (who lives 600miles away from me) and verify my account that way. After directing expletives with a case manager I hung up.... I am at the end of my rope with this company. Any help in dealing with this? i have disputed with experian, but should I take legal action since they are causing stress and dinging my credit score by charging money to an account they will not let me access and now saying it is 150 days late. Knocked my credit score down 100 pts.

[DCPenal]

Call the Executive offices and get real help.

[backtobusiness]

File a complaint with CFPB.

[n8newton]

How do I go about getting the number to their executive offices? As I understand, it is a difficult number to obtain.

[cv91915]

How do I go about getting the number to their executive offices? As I understand, it is a difficult number to obtain.

 

http://creditboards.com/forums/index.php?showtopic=500738

[Cappy]

How do I go about getting the number to their executive offices? As I understand, it is a difficult number to obtain.

 

1-800-ask someone to send you the number.

Edited August 28, 2014 by breeze

[ICANHASMUNY?]

File a complaint with CFPB.

 

This. - you need to file with the CFPB; that eliminates all of the ID verification nonsense; and ID thief wouldn't file a government complaint.

 

you can upload documents with your complaint; the $150 Billing statement for annual card fees for an account that hasn't been active for 2 years

 

and you were a service member who was on active duty - are you still in the military?

 

Then the SCRA applies to this as well as FACTA. upload your service papers.

 

And these may also be violations of the Card Act of 2009

 

Bans "inactivity" fees, such as fees based on the consumer's failure to use the account to make new purchases.

 

Prevents issuers from charging multiple penalty fees based on a single late payment or other violation of the account terms.

 

◾Application and similar fees that a consumer is required to pay before a credit card account is opened are covered by the same Credit Card Act limitations as fees charged during the first year after the account is opened. Because the total amount of these fees cannot exceed 25 percent of the account's initial credit limit, a card issuer that, for example, charges a $75 fee to apply for a credit card with a $400 credit limit generally will not be permitted to charge more than $25 in additional fees during the first year after account opening.

 

 

http://www.consumerfinance.gov/complaint/

[shifter]

1-800-XXX-XXXX

quit posting this number in every thread.

 

there's a reason it was never posted publically until recently and it's only posted in one thread.

 

when numbers get too easy to find

 

and they get too many calls

 

they shut them down.

 

direct people to the proper thread if you want.

[n8newton]

I appreciate everyones assistance in this matter and helping to direct me in the proper course of action.