Capital One Woes

[Alexandra813]

What is the name of your state? Missouri

I have had a Capital One credit card for about 2+ years, and have been trying to pay it off so I can cancel, as it is too much of a burden.
I stopped using my card sometime in August of last year, and continued paying as much as I could to them to get it paid down, and eventually, off. I received my monthly statement in early November, shocked to find charges on my card, one of the charges being from a company that had wrongly charged my card once before, so I immediately went to find my card, which I then discovered was missing. I called customer service and reported my card stolen and reported the fraudulent charges. They said they would send me a new card, and a fraud information form to complete. Well, after almost a month I had received neither and called again, they sent another one, I filled out the form and sent it in. The next week or so, I got another letter saying that they had not received the form. So I filled out another and sent it in. After a few days I received a letter stating that my case had been resolved and that I was not held responsible for any charges. I assumed that my form and that letter had crossed in the mail or something.
Anyway, I still got another 1 or 2 forms in the mail after the letter saying that everything was taken care of. And when I got my bill a few days ago all the fraudulent charged had been reapplied to my account. I called to try to speak with my 'agent' and of the half dozen times I tried she was never available, and never called back. So, I spoke to someone else fro mthe fraud department who told me basically that "Sabrina F." had changed her mind about taking the charges off because I had called to check my balance.
Anyone have any advice? Can they do that?

 

[Alexandra813]

Anybody????

 

[acmb05]

Anybody????

Yea, send them back a copy of the letter you got showing it was resolved and demand they take it off your account.

Why would you keep a card you were not using, you should have cut it up and thrown it away.

 

[VeronicaLodge]

you can actually cancel the card/account too, even though you still owe on it, cancel it and then keep paying on it, that way no other "unknown" charges can pop up, of course interest and late penalties will still get applied but at least no one can charge anything new to it.

 

[Alexandra813]

Yea, send them back a copy of the letter you got showing it was resolved and demand they take it off your account.

Why would you keep a card you were not using, you should have cut it up and thrown it away.

I was not planning on getting rid of the card, I had been out of a job for a few months and was using it to buy groceries, I wanted to keep it, just pay it off. I intended to keep it and use it only sparingly to help build credit.

you can actually cancel the card/account too, even though you still owe on it, cancel it and then keep paying on it, that way no other "unknown" charges can pop up, of course interest and late penalties will still get applied but at least no one can charge anything new to it.

That was what I thought, but I was told that if I canceled the card at that time, then there was zero chance of them removing the fraudulent charges. He said that I was "responsible for any and ALL charges to my account" at the time of my cancellation.

I have sent the letter (certified mail) and hopefully this will fix it, but if not, does anyone know what kind of legal recourse I may have?