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  1. #1
    Join Date
    Dec 2007
    Posts
    2

    Default Capital One Contract in California

    I have had a Capital One credit card for a few years now, and each year they pull something shady to try to get some extra money out of me. Last year they didn't process the electronic payment I made until 6 days after it was due, causing me $80 in charges (which I DID manage to get removed...turns out Capital One doesn't like the FCC or Attorney General!). This year, they have, for the first time since I've had my card, posted a $39 "membership fee" on my account. When I called and questioned this, customer service told me that it was in my contract. I asked for a copy of the contract and was told that they would send it, and it would take about 30 days to get to me. 30 Days?! I said no, that was unacceptable, and asked for them to fax it to me. He said "Okay. That should be processed in the next 20 days and it takes 10 days to send out". 30 days to FAX a copy? I'm confused. They, apparently, are able to look at my contract right at the moment I'm questioning this sudden fee, but I can't have a copy for at least 30 days?

    Well, I received my fax today. This is what the cover letter said (at least this is the portion I am concerned with):
    "Thank you for contacting us about your Capital One account. We're happy to provide a sample copy of the original terms you requested..." A SAMPLE copy of the original terms? I'm confused again. How does that help me at all to send a sample made out to Tabatha Jackson at 15000 Capital One Drive? How does that prove that this is the same contract I entered in to? The letter doesn't have much more information other than I can call customer service if I have any additional questions....

    So, my question is, how can I obtain a copy of MY original contract with them? Do they have to provide that when asked? I sent them a certified letter asking for the charge to be removed from my account until they could prove that it's on my contract, but know from past dealings with them that I am still going to end up having to pay the finance charges for this if I don't just pay it. Any advice on what step to take next would be helpful.

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Capital One Contract in California

    Credit card companies frequently update their terms, and provide notices to the effect of, "This terms are effective as of [date]. If you don't wish to accept them, cancel your account prior to that date." If you ask for the current terms of your contract, they can probably provide them to you much more quickly.

  3. #3
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Capital One Contract in California

    Many credit cards companies send with their premium notices, when they make a change, a change in terms of credit card agreement notice. I'm not saying you did but there are people who do not read these notices & throw them away. If you don't accept the new terms, you are to contact them by a certain date & let them know the new terms are not acceptable & you want to cancel your card. You then pay off your balance at the old terms.

  4. #4
    Join Date
    Dec 2007
    Posts
    2

    Default Re: Capital One Contract in California

    Thank you both for your reply. With CapOne, I do not receive paper statements or paper notifications, everything is done online. I was sent an online notice of the charge the day after the "cut off" date to call and cancel the card. So, technically, they DID send me a notice, but when I asked about that, they told me it was my responsibility to check my online statements periodically (which I do, but it was a "fine print" notice that was not easy to see when I didn't know to look for it...)

    Ugh, what a mess. I told them I wanted to cancel my card and they told me I couldn't until the balance was paid off. What can I do???

  5. #5
    Join Date
    Nov 2007
    Posts
    22

    Default Re: Capital One Contract in California

    a balance transfer to another credit card. Keep in mind that most credit cards operate in a similar manner. Therefore you need to pay attention to the 'fine print' - annoying as it is to most of us.

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