[TheForge] OT - RANT - NEVER get a CapitalOne CC

[dann at wctatel.net]

Bruce,

I don't think any of the Credit Card  "rewards" actually come as cash
these days.

The last "rewards" I got, was in the form a free magazine subsciption
which turned into a night mare.   I had the devil of a time trying to get
it dis-continued. Just like that TV Commercial of the Energizer Bunny,, My
"free" subscription continued, and continued..  and kept auto billing my
credit card.  I spent hours on hold trying to cancel the magazine.

Finally I got the Credit Card Company to put a "contested payment" on it. 
They didn't do that easily,  either.

I won't ever take those kind of free "rewards" again.

Another trick they do.. They'll  give you a dollar amount, and then shift
it to some kind of gift certificate ... say at say..  a Red Lobster  or
OutBack Stake House.

Which is really funny, because I live so far in the rural area...   that
I'd have to drive 90 plus "one way" miles to get to those.


Dann


> So I got this Rewards CC to use in my business back in March.  Turned
> out I couldn't let my colleagues view the statements on-line without
> giving them MY personal password.  They told us time and time again we
> could, but never came across with a means.  Then too, doing business
> with them on-line was subject to disclaimers that essentially said -
> "You gotta problem?  Then you're screwed!"
>
> I used the card no later than July.  Then I waited for the last
> charges to come in and closed the account by phone, probably in
> August.  When I did so, I was transferred to another agent so that I
> could get the refund of the $63 in "rewards" I was owed.  I was told
> I'd be sent a check - I was even transferred to another agent to take
> care of that.
>
> I got statements through TODAY, each saying I had a zero balance, but
> was owed $63.  In Oct & today I phoned in to confirm that the account
> had been closed, and was told it had been.  Today I checked up why I
> hadn't received the $63 check and, after 30 minutes on the phone, was
> told that I was shit out of luck because they closed my account
> without refunding the money and now cannot refund the money.  From the
> tone of the supervisor's remarks, it's apparent they pull this crap on
> people all the time.
>
> I'm guessing they failed to close my account in August, then closed it
> in October instead, when I called to question why I was still getting
> statements.
>
> Soon as I have energy to do so, I'm going to pursue this with the
> state AG.  Maybe these bastards will be socked with a class-action by
> the 50 AG's for all the "rewards" they never awarded!
> --
> Bruce
> NJ
>
> The total lack of evidence is the surest sign that the conspiracy is
> working.
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