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I recently stopped using my CapitalOne card because every time I try to call them, or log into their web site to manage my account, its a big pain in the ass. 'No Hassle' guess again. So I stopped using it.

Back in spring, I had bought a new waterbed on the card at Jordan's Furniture. Fast forward to October and the Red Sox win the world series, and I have $770 coming my way. Unfortunately, the way they are refunding your money (the contest was buy furniture during a certain time frame and if the Red Sox win the world series, you get it for free), if you bought on a credit card, the money is refunded back to that card.

So they do and I have a $770 credit on my card. So I call up CapitalOne and told them I want to cancel my account and have my money sent out to me. They asked why, I probably told them that the card gives me zero rewards, which is another reason to get rid of it.

So a few weeks after that, I'm sitting around thing where the F is my money? It's been a while and its Christmas time, I need that cash. I call them up and I get a recording:
- A request has been made to close my account (yeah no shit)
– My account won't be closed until I stop using it for one full month after I made the request.
– The money they owe me won't be mailed out till at least 10 days AFTER that.
- Then the recording tells me to hang up and doesn't even let me talk to a human.

Can you believe this shit? So I've already gotten two blank statements from them. And I'm still waiting and waiting.

AVOID CAPITAL ONE. Out of all the credit cards I've had (Discover, American Express Open, Fidelity Visa, GM Mastercard) no card has busted my balls more than the CapitalOne card. And the card doesn't even give me rewards for my troubles. And now they steal $770 from me. One of these days I'm going to have to spend hours calling number after number, lying about my account, and say I want to sign up for a new card, just so I can get to a person to fight with. This is what 'No Hassle' means...

  • John Masone
  • I tried pressing 0 repeatedly after entering my account number, but because my account had been cancelled, they REALLY wouldn't let me talk to someone. The only way we finally got to a human was by not pressing anything at all. And I finally got my money, about 2-2.5 months after it was refunded to my credit card. I'll NEVER use capital one again for ANYTHING!
  • January 19th, 2008 7:05 PM

  • B
  • Dude, just keep pressing 0 on your phone and after entering your acct # and you will be connected. I had to do it 3x and it told me 2x that 0 was not a valid option, but the 3rd time it worked and the person was helpful. Hope you get your situation resolved ASAP and this helps!
  • January 19th, 2008 6:49 PM

  • jim
  • Shit am I glad I stumbled on your site before joining up with them. I thought there promises were to good to be true!!!!!! Thanks for the info. jim
  • January 15th, 2008 11:17 PM

  • John Masone
  • BTW people, that is not my hand. I just found the image of the bird on google :-)
  • January 3rd, 2008 12:54 AM

  • Jesse
  • At least you didn't get a human on the other end practically arguing with you about your decision to close your account. Certain businesses train their employees to practically force a customer to remain in business with the company when they express a desire to leave. That being said, the SOP here is rather ridiculous - One month after you close your account, -then- they mail the check? What's with that bullshit? How does any of that matter? I can't even imagine how they've fucked others like that, expecting refunds and having to wait such an unreasonable amount of time.
  • January 2nd, 2008 3:40 AM
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