Complaint Review: Capital one -

With some of the comments you have made I am surprised you have as good of a credit history as you seem to claim, perhaps a lot of that just comes from luck.

I check my statement and then shred them. My payments have been automatic for years. I pay my bills on time all the time I did not expect them to pull this crap.

You(and others) seem to be missing the point on the Automatic Payments. Cap One(or any Credit Card) does not have the responsibility to tell you what Automatic Payments you have set up with them, you shouldn't need to review their statements to find this out. If you have an Auto Payment set up, you should know what companies you have it set up with, what card you are paying them with, what date it comes out, and the amount you are paying. How you keep track of this is up to you. If you don't have any sort of home accounting software, something like a simple hand written ledger or spreadsheet would suffice. This way it doesn't matter if you have had the Auto-Debit for 1 month or 30 years you can find out very easily.

This helps you in several ways. When you get your monthly Credit Card statement, you can verify against your list of expected Auto-Debits to verify that the debits that are being done are the ones you are expecting. This way if there are more debits coming out than you expect, you can see if there is a fraudulent transaction. If there are debits that aren't showing up you can investigate to see why they aren't getting paid.  But with no idea of what should be on your Credit Card, unless it is just dumb luck you will never know for sure if everything is correct.

I don't care what I sign

I hope you truly don't believe that, as you better care. If you sign a legal agreement, you will be expected to be bound by that agreement. If the agreement says a company can close your account out without notice then why are you surprised if it happens? If you don't agree with that, then don't get that particular card. However, I will tell you that this is a standard term in just about every credit card out there.

this doesn't justify trying to screw with my credit with other sources.

According to you it didn't affect anything about your credit. Your longevity didn't change, your usage didn't change, you had another card immediately increase your limit, and you got your daughter an authorized user on another card. The only thing that was affected was your inability to find out who you have debits with, but as stated that is YOUR responsibility not the credit card companies.

If you learned anything from this I truly hope that keeping better track of your accounts and payments is one of them regardless of what banks or credit cards you use.

Also, to just be clear.  Contrary to what you want to believe no one who has posted works for Capital One.  It is standard when someone disagrees with what is posted to accuse them of working for said company, but if you search this site you will see everyone here post on many different companies.  This is a PUBLIC web site and as such you will get the PUBLIC to respond, and the PUBLIC may not always agree with you.  

However, US National contracted our move to TR Moving Systems who contacted us to tell us that we had to pay them $6,799 in cash or USPS money order or they would not deliver our items to us.  This should hardly have been a surprise.  If you had done any research on the DOT website, you would have known US National is a moving broker - they have no trucks, no moving license, and no capability of moving your items.   In fact, this statement is on their own website:

Please note that US National Movers (MC#992460 / DOT #2936759)*** is a properly licensed interstate Broker, and when acting as a Broker will not transport an individual shipper’s household goods, but will coordinate and arrange for the transportation of household goods by another FMCSA authorized motor carrier, whose charges will be determined by it’s published tariff.  (underline is mine)

I have to tell you - at least they're honest about it - many companies won't even tell you that.  So what does a broker do for you?  Very little.  They take your items submitted and find someone who will move your items from origin to destination.  Therefore, the contract you signed with US National was not binding on anyone.  You end up with a new contract with TR Moving for more than $6700.  They were well within their right under Federal Law to do exactly what they did.

When I told him that he was in breach of the contract we had with US National, he said he didn't have anything to do with the contract we had with US National.  Absolutely 100% correct for all of the reasons I just stated.  They have nothing to with that contract.  A moving broker finds the mover, and once the mover takes your move, the broker's responsibility is completed.  If the mover doesn't show up, it's now an issue between you and the mover, not the broker.  BTW, the broker gets a commission from the mover.

When they finally delivered our items, we signed the money orders over with "paid in protest" written on each check (per our attorney's recommendation) only to find that most of our items were damaged, ruined or completely missing!  It would not matter what your attorney told you about writing those words on a check - they won't help you for reasons I will describe later.  Your attorney also likely assumed the broker and the mover were the same entity; the advice he gave you would be consistent with that assumption.  However, since they're not the same, the advice the attorney provided was not entirely correct.  However, he was correct that you needed to pay the full amount.

We filed a police report and filed additional disputes with the DA's office as well as the Better Business Bureau and are working with our insurance company and attorney to recoup the damages/stolen items.  The police won't be able to help because the items were not stolen, at least from a criminal perspective.  The police can do very little.  Your insurance company will likely not cover you for damages during a move - that's generally an exclusion under a homeowner's insurance policy.  Your attorney won't be able to sue because of the Carmack Amendment - a Federal law that prevents consumers from suing a moving company for anything like, fraud, negligence, additional damages etc...  I suspect you can file a claim against TR Moving for valuation under your contract, which limits your liability to $0.60 per pound (standard) and that's pretty much it.  Carmack will prevent you from collecting more than that.

The moral of the story is this:  Moving is not an inexpensive venture.  Anyone who says it's cheap is lying to you.  Choosing a mover off of the internet based on price often results in things like this happening.  Choosing a legitimate mover in your local city, where they can send someone out to view what needs to be done and what needs to be moved, is more expensive in the short-term, but can be cheaper in the long run when faced with a household full of damaged or missing items.  If you truly want to stop movers like this, then your best advice is to stay off of the internet when finding a mover.

Best of luck to you...

 I don't care what I sign this doesn't justify trying to screw with my credit with other sources. I have been an excellent customer. The fact they treat someone like this just because they have the power to do it is disgusting.

 I have credit that dates back 28 years that is all in good standing. Yes true after you establish credit with a company for more than 9 years you do reach that Ain that catagory... And my average length of credit was 8 years and 8 months. I do not lose my longevity on this closed account.

Since I only use 6% of my credit. Taking this $6000 credit card out of the mix didn't even lower that part. In fact Barclay immediately increased my amount by $3000. Also I cannot access this card on line because they suspended the account. Something about needing a utility bill.

 I check my statement and then shred them. My payments have been automatic for years. I pay my bills on time all the time I did not expect them to pull this crap.

I have accounts I pay with the card every month. They will not provide me with who I pay automatically with the card.  How in the world can you possibly NOT know who you're paying automatically each month?  All you have to do is look on your credit card statement - you can get one online if you don't have a hardcopy - and review your statement.  Then speak with your daughter to see if she has any autopays off that card and reviewing the statement at the same time.  It should be a very simple process to figure out, and yes, you don't need the CC company to tell you that.

You should also be reviewing your statements monthly.  Perhaps you're paying your bill and there are fraudulent charges on it?  If there are bad charges and you paid them by mistake, then you can't contest the charges.

I have never been late.  That doesn't earn any additional consideration by a CC company.

The suspended my card without any notice.  Correct.  They can do that and they don't need a reason.  It is in your account agreement.

I have excellent credit.  If this was your primary credit card, you may not have excellent credit after this.  A CC cancellation results in wiping out your recent credit use.  Combine that with a reduction in your overall credit limits, as well as applying for another CC resulting in a hard credit inquiry can reduce your FICO score by 50-75 points.  Perhaps you should go to your bank and apply for a card there?  Hopefully, they can do a soft inquiry since you're already an account holder; you should be able to get one for the both of you without the additional ding in your score.

Your non-caring attitude when you bring people problems is lowlife. I have already contacted Navy Federal whom I have been with for 27 years to put my daughter on that account. What you did was disgraceful. I hope a lawyer gets a hold of these responses and closes you down.

No longer can you portray yourself as anything more than arrogant and nasty. You have suspended my account. It cannot be accessed online or by your team over the phone. You are condescending and evil. I want both of these people fired and they should also consider firing anyone else including you who thinks that doing stuff like this to customers is OK. The truth is you have shown your true colors in these responses.

 Your comments shows what a condescending group of pompous wipes you truly are. Shove it up your nasty rude pathetic butts. What you did is unforgivable. Anyone who does business with you is part of the dumbing down of America. I hope you reap what you truly are 7 fold you pathetic scum.

 This is YOUR account, right? You are going to admit to the world you do t even know what's happening with your account? The automatic deductions are part of the statement. Here you are admitting to the world you don't even have enough common sense to review your monthly statements...otherwise...you would have known who is automatically paid! Another typical example of the dumbing down of America!

There is no excuse for YOUR attitude.

First off a Credit Card company can close your account, suspend your account, lower your limit, or even raise your limit.  They can do this at any time and for any reason without any notice.  It is their money and they get to decide if they will continue to allow you to borrow it. Oh and guess what...YOU agreed to this when you opened the card.  Now, what is perhaps a bit more concerning is a few other statements you made.

There is NO...NONE..ZERO reasons they should need to tell you what companies you have set up as Auto-Pay with them. A statement like this shows you actually are quite irresponsible as that is YOUR responsibility.

As for your daughter, this should not be causing her any hardship unless again you are being irresposnible. As a single credit card should NOT be her only source of funds.  But if it is and you truly do pay off this card every month, then just send her the money directly. If she is in school she doesn't need her car unless she is working. If she is working then she should have her own money to meet the basic needs. 

If for some reason you still feel that YOU must provide her with a Credit Card, then make her an authorized user on one of your other cards.