So I finally got through to Capital One customer service in regards to my "closed" credit card account. I spent over 20 minutes on hold in two different queues. I spoke to a "Senior Account Specialist" who was very nice, but she cannot give me the number to their call center in case I have further issues. They're not allowed to. Heh.
Here's the skinny:
- 9/24 - Paid the "payoff" amount on the account, requested it closed
- 10/19 - Start of next billing cycle
- 10/24 - Account is closed, only it's not closed. From this point, they have 90 days to refund the $1.78 I overpaid (even though it was the amount they provided to me for payoff). Until they have sent me that refund check, the account is not officially closed.
Does this make sense to anyone? I even asked the specialist I spoke with if I'm allowed to charge them late fees. She didn't get it. In fact, she said she "had a deer in headlights look" over there. So I explained to her that if I waited 90 days to pay them, I'd have 2 large late fees assessed to my account. I don't think she thought it was that funny once I explained it to her. It never is.
Who wants to bet me that they attempt to assess fees on this account prior to "closing" it?
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