capital one credit card?

Question

On 23 Oct 06, I sent 7,145.00 dollars to Capital One . It was paid on line and my bank(Bank 0f America) sent the payoff electronically to Capital One. Bankcard Svcs had purchased this account unknown to me. Numerous phone calls to Bankcard, Bank of America & Capital One, also several E-Mails and five months later Capital One still has my $7145.00. All the monthly pymts of $75.00 had been sent from Capital One to Bankcard Svcs. The last one being 1 Oct 06. I need this matter resolved. Thank You Carl Landes

Answer 1

I recommend getting an attorney. You would want an attorney who is qualified to do business on credit matters.

Answer 2

When I have issues like this and I have tried working through the normal Customer Service people (most of them are so restricted in what they can do that they can't help you even if they wanted), I then go to the appropriate websites of the companies and find out who is the CEO, Chairman of the Board, Executive Vice President over Credit Cards or just Executive Vice President over Public Relations.
Go to Capital One's corporate website
Go to Bankcard Svcs website
Go to Bank of America's corporate website

Look for Annual Reports or other listings of the Corporate Officers.
One way to find these corporate websites is through Yahoo Finance or other portals or use a search engine as Yahoo. You do not want their marketing website that tell you about their great service and new checking accounts "blah de blah."

You have three companies that you want to contact. Go as high up in the corporation as you can get names and go to 3 to 7 high ranking persons per company.

Then I write a very carefully worded letter (not mean). Make it very professional. State exactly what happened from your understanding. You would be amazed that if you treat the "high muckity mucks" with respect and professionalism, they will respond. You will be sending the same letter to all three companies and all the selected officers of the companies. It appears that Bank of America is not at fault but send to them anyway. It will cost you some time and a little money for postage, but get started. If you do this and have patience, it will work.

If you don't have it resolved in 45 days, write a second letter. It will be very short just stating that you have already sent one letter and now you are following up. Attach a copy of your first letter.

Always have someone else proof read your letter. Someone that is good in English and has a nuetral view. Have them make sure what you say is understandable.

If you know someone that writes business letters or business communications, ask them to help you draft the letter. No slang, no four letter words, no anger, just professionalism. Make the letter look professional. Expect to be treated professionally.

Answer 3

I'm in the UK & with capital one, but from what i can see Bankcard Svcs are at fault here, Do you have any proof you didn't transfer the debt to them ? Have you asked Capital One for a payment dispute form ? i recieved one within 5 days & have had my money returned.!!! Good Luck.!!!
Im in a simalir situation, a company is saying i owe them money, I Dont, but they wont provide me with any proof.!!!
I'd advise you to get in touch with a Citizens Advice Bureau as soon as possible.!!!

Answer 4

I have been preaching for years for people to NOT do business with capital one !!!

Get a lawyer and hit them hard. Then tell everyone to get the hell away from capital one and anyone associated with them. They are a horrible HORRIBLE company who needs a shovel to the back of the head !!

Answer 5

If it were me I would go to my bank, and talk with a bank officer or even better the financial adviser about your problem. The credit card companies will listen to a bank person more than they will to you.