To Whom It May Concern:
I am Lucia Bartoli of __________, Dana Point, CA 92629 and tel. (home) and (cell).
On May 7, I processed an auto loan payment (via web) for $320.00 This is pretty much the payment I make every month and have done so since 2007. This time, whether the error was a “glitch” or human-generated, the amount withdrawn from my U.S. Bank account is $3320. I discovered this discrepancy today in the mid-afternoon (5/11/10). The amount has INDEED been withdrawn.
I began the incredible odyssey of TRYING to communicate with entities in India, only to be thwarted by their lack of understanding NUANCED English. (On a more personal level, I think it is an abomination that people who NEED to WORK in the U.S. can’t find jobs because you outsource them to other countries.) So after speaking with Alex, Sheldon and Valentine, I almost gave up. Each TRIED to connect me to the U.S. side of things, to no avail. They were having PHONE problems. No wonder! By this time I had been on some sort of telephone wait, talk, whatever for 47 minutes. To make a painfully long story and experience blissfully short, after a mere 1 hour and 5 minutes of hell, I got to Megan in Plano, Texas. She was/is a very lovely person, no doubt. However, I questioned her as to the reasons WHY she felt that Capital One has any right to my personal banking records over a FIVE DAY PERIOD. As a matter of fact, I don’t even know 5days from WHEN…from when I made the payment (5/7/10) or when it was posted (debited from my account 5/10/10) or today, when I discovered the awful situation. Needless to say, withdrawing $3000 more than I intended poses a severe hardship for my family.
I do NOT still understand WHY your institution believes it sound business practice to ask a customer to give out their entire social security number to some guy in India. I don’t think it’s so smart to give that to the guy down the street. Anyway, the guys in India, who are not truly subject to our laws, are wizards in software/computer stuff), now have my CA driver’s lic. number, my bank account number, my car loan number, my social security number, my address, birthdate, and tel. numbers. The only thing they don’t have is my blood type, which for your total dossier on me is Type “O” International.
Then Miz Megan tells me that I have to also give people I don’t know at Capital One a SIGNED letter stating that I won’t file a dispute with MY bank. Is she, or are you all, crazy? Of course, I filed a dispute…Why? Because India Guy #1 told me that Capital One would take 15-20 days to get the situation cleared up.
I was unable to get to a U.S. counterpart on repeated attempts. At one point, I asked Megan to simply let me leave a message for HER supervisor. Megan had happily informed me that even I asked a supervisor the same questions I had asked her (Megan), that the supervisor would give me EXACTLY the SAME answers. To this, I could only reply that therefore, one of them, either Megan or the supervisor, were unnecessary. So save some money and terminate one of them since they are apparently both doling out the same misguided info.
I am feeling pretty p.o’ed right now because after 90 minutes of repeated dialing, dial tones, and basically conflicting information, I am sitting here typing a memo to some cubicle guy who thinks he/she is ALSO entitled to my life history, regardless of the genesis of the $3000 error. Right now, at least SEVEN people have that at Capital One alone.
So, now I am wondering if YOU, person #8 wants to help, be effective, correct an error, or what!? I am sitting here waiting for ONE OF YOU to replace $3000. Since I certainly DID file a grievance with my own bank, why don’t YOU GUYS who have quick resources to communicate with my bank, TALK? Then you can give me back MY money. Does that work?
Thanks,
Lucia Bartoli
Tuesday, May 11, 2010
They Make a Mistake...and You Get Grief!
To Whom It May Concern:
I am Lucia Bartoli of __________, Dana Point, CA 92629 and tel. (home) and (cell).
On May 7, I processed an auto loan payment (via web) for $320.00 This is pretty much the payment I make every month and have done so since 2007. This time, whether the error was a “glitch” or human-generated, the amount withdrawn from my U.S. Bank account is $3320. I discovered this discrepancy today in the mid-afternoon (5/11/10). The amount has INDEED been withdrawn.
I began the incredible odyssey of TRYING to communicate with entities in India, only to be thwarted by their lack of understanding NUANCED English. (On a more personal level, I think it is an abomination that people who NEED to WORK in the U.S. can’t find jobs because you outsource them to other countries.) So after speaking with Alex, Sheldon and Valentine, I almost gave up. Each TRIED to connect me to the U.S. side of things, to no avail. They were having PHONE problems. No wonder! By this time I had been on some sort of telephone wait, talk, whatever for 47 minutes. To make a painfully long story and experience blissfully short, after a mere 1 hour and 5 minutes of hell, I got to Megan in Plano, Texas. She was/is a very lovely person, no doubt. However, I questioned her as to the reasons WHY she felt that Capital One has any right to my personal banking records over a FIVE DAY PERIOD. As a matter of fact, I don’t even know 5days from WHEN…from when I made the payment (5/7/10) or when it was posted (debited from my account 5/10/10) or today, when I discovered the awful situation. Needless to say, withdrawing $3000 more than I intended poses a severe hardship for my family.
I do NOT still understand WHY your institution believes it sound business practice to ask a customer to give out their entire social security number to some guy in India. I don’t think it’s so smart to give that to the guy down the street. Anyway, the guys in India, who are not truly subject to our laws, are wizards in software/computer stuff), now have my CA driver’s lic. number, my bank account number, my car loan number, my social security number, my address, birthdate, and tel. numbers. The only thing they don’t have is my blood type, which for your total dossier on me is Type “O” International.
Then Miz Megan tells me that I have to also give people I don’t know at Capital One a SIGNED letter stating that I won’t file a dispute with MY bank. Is she, or are you all, crazy? Of course, I filed a dispute…Why? Because India Guy #1 told me that Capital One would take 15-20 days to get the situation cleared up.
I was unable to get to a U.S. counterpart on repeated attempts. At one point, I asked Megan to simply let me leave a message for HER supervisor. Megan had happily informed me that even I asked a supervisor the same questions I had asked her (Megan), that the supervisor would give me EXACTLY the SAME answers. To this, I could only reply that therefore, one of them, either Megan or the supervisor, were unnecessary. So save some money and terminate one of them since they are apparently both doling out the same misguided info.
I am feeling pretty p.o’ed right now because after 90 minutes of repeated dialing, dial tones, and basically conflicting information, I am sitting here typing a memo to some cubicle guy who thinks he/she is ALSO entitled to my life history, regardless of the genesis of the $3000 error. Right now, at least SEVEN people have that at Capital One alone.
So, now I am wondering if YOU, person #8 wants to help, be effective, correct an error, or what!? I am sitting here waiting for ONE OF YOU to replace $3000. Since I certainly DID file a grievance with my own bank, why don’t YOU GUYS who have quick resources to communicate with my bank, TALK? Then you can give me back MY money. Does that work?
Thanks,
Lucia Bartoli
I am Lucia Bartoli of __________, Dana Point, CA 92629 and tel. (home) and (cell).
On May 7, I processed an auto loan payment (via web) for $320.00 This is pretty much the payment I make every month and have done so since 2007. This time, whether the error was a “glitch” or human-generated, the amount withdrawn from my U.S. Bank account is $3320. I discovered this discrepancy today in the mid-afternoon (5/11/10). The amount has INDEED been withdrawn.
I began the incredible odyssey of TRYING to communicate with entities in India, only to be thwarted by their lack of understanding NUANCED English. (On a more personal level, I think it is an abomination that people who NEED to WORK in the U.S. can’t find jobs because you outsource them to other countries.) So after speaking with Alex, Sheldon and Valentine, I almost gave up. Each TRIED to connect me to the U.S. side of things, to no avail. They were having PHONE problems. No wonder! By this time I had been on some sort of telephone wait, talk, whatever for 47 minutes. To make a painfully long story and experience blissfully short, after a mere 1 hour and 5 minutes of hell, I got to Megan in Plano, Texas. She was/is a very lovely person, no doubt. However, I questioned her as to the reasons WHY she felt that Capital One has any right to my personal banking records over a FIVE DAY PERIOD. As a matter of fact, I don’t even know 5days from WHEN…from when I made the payment (5/7/10) or when it was posted (debited from my account 5/10/10) or today, when I discovered the awful situation. Needless to say, withdrawing $3000 more than I intended poses a severe hardship for my family.
I do NOT still understand WHY your institution believes it sound business practice to ask a customer to give out their entire social security number to some guy in India. I don’t think it’s so smart to give that to the guy down the street. Anyway, the guys in India, who are not truly subject to our laws, are wizards in software/computer stuff), now have my CA driver’s lic. number, my bank account number, my car loan number, my social security number, my address, birthdate, and tel. numbers. The only thing they don’t have is my blood type, which for your total dossier on me is Type “O” International.
Then Miz Megan tells me that I have to also give people I don’t know at Capital One a SIGNED letter stating that I won’t file a dispute with MY bank. Is she, or are you all, crazy? Of course, I filed a dispute…Why? Because India Guy #1 told me that Capital One would take 15-20 days to get the situation cleared up.
I was unable to get to a U.S. counterpart on repeated attempts. At one point, I asked Megan to simply let me leave a message for HER supervisor. Megan had happily informed me that even I asked a supervisor the same questions I had asked her (Megan), that the supervisor would give me EXACTLY the SAME answers. To this, I could only reply that therefore, one of them, either Megan or the supervisor, were unnecessary. So save some money and terminate one of them since they are apparently both doling out the same misguided info.
I am feeling pretty p.o’ed right now because after 90 minutes of repeated dialing, dial tones, and basically conflicting information, I am sitting here typing a memo to some cubicle guy who thinks he/she is ALSO entitled to my life history, regardless of the genesis of the $3000 error. Right now, at least SEVEN people have that at Capital One alone.
So, now I am wondering if YOU, person #8 wants to help, be effective, correct an error, or what!? I am sitting here waiting for ONE OF YOU to replace $3000. Since I certainly DID file a grievance with my own bank, why don’t YOU GUYS who have quick resources to communicate with my bank, TALK? Then you can give me back MY money. Does that work?
Thanks,
Lucia Bartoli
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