Capital One - The Aggravation Card - Is The Account Really Closed?

It was 2 years ago that I applied for a Capitol One card. I can get any card because
of my high fico score of 802. They had the usual no interest bait, but it soon turned ugly.

I charged an electric bill of about 200.00 (my first charge) simply because I
was short on cash and didn't want to pay their late fee. Soon after I got a
call from Capital One asking security questions. It was then that I was told
the card was frozen. WTF? It was my first and ONLY charge with the card.
There was no reason for it!

How to Unfreeze the Card the Capital One Way -
I was told that I needed to go to my local bank and ask an employee, such as
a loan officer to verify who I was. I did just that but the loan officer refused.
She told me that it was against their policy. She even talked to Capital One rep
and told them that it wasn't going to happen. But, get this, the Capital One rep
told me to go to ANOTHER BANK! I said, look, I'm not hopping from bank
to bank just to verify who I am. So, I stopped using the card and it
remained frozen for 2 years. 


How to Cancel a Frozen Capital One Card - More AGGRAVATION!

Two years later, I called to cancel the card. I was told that I needed to verify who
I was and that unless I followed their instructions, the card couldn't be cancelled.
I told them it wasn't like I was purchasing a 2,000 dollar TV, I wanted the
friggin card canceled. It had been frozen for 2 years! The rep refused, then
I said I wanted to speak to their supervisor. Supervisor gets on the phone
and I explained the history of their card with me. By that time I was
practically screaming on the phone to cancel the @#%& CARD! She said,
if I answered a few security questions to verify who I was that she would
cancel it. She asked for previous address questions, relative questions, about
3 or 4 that I answered (thinking why couldn't they do this before?) and she
said it would be canceled. I then asked for verification of this cancellation.
It was never sent!

Stay far, far away from this card, unless you like high blood pressure.