Capital One Personal Loans - Scam to run credit and give you false hope

I applied for a personal loan on 7/24/07. They responded by telling me

that I needed to provide identity due to having Fraud Alert on my

credit. I sent the information in as they requested and patiently

waited. Unknown to me, on the same day I sent the information they had

sent me a letter telling me I was denied due to lack of identity. I

went away on business the next day and when I returned 15 days I found

the denial letter dated the same day I sent the request. So they didn't

even give me a chance to send them the info. Since the departments

within Capital One obviously don't communicate with each other, they had

not clue that this request was made by them and I complied, like a good

little girl.

I sent another letter on September 12, 2007 pleading for them to look at

my personal documents again (SSN, Paystub, Birth Certificate) which were

received by them on September 13, 2007. I called on September 18, 2007

and Roberta a customer service agent in the Loan Status department told

me that I had been denied $15,000 but if I accept $10,000 the

application would be reviewed again and I should received the check

within 10days. Today is September 27, 2007 and I called because I had

not received anything and I wanted to know where the check was. I spoke

to the first agent at 1-800-903-9177 prompt 3 who told me that she

couldn't see the status and needed to transfer me to another department.

I then spoke to another agent who told me that I should have received it

already, then I spoke to another agent by the name of Sandra in the Loan

Status department who gave me the best news ever "YOUR LOAN WAS DENIED

ON 7/24/07", I was beside myself because she had no record of any of my

calls, document submission or anything. I advised her that this

couldn't be because I sent in the information. She then said, "Well we

all work off of different systems, so we all don't have the same

information". I asked her to give me the number of the department who

does know my status because I've spoken to 5 agents before her and

obviously no one knows anything. So I finally spoke to Richard at the

number I originally dialed and at prompt 2. Richard was able to tell me

that "I WAS DENIED" but now it wasn't because of my identity but because

I have too many revolving cards, inquiries, and high balances". Even

though I wasn't happy with his news, I finally got someone who told me

the reason they denied me this time. This reason I didn't like, but I

accepted it because it's true. I do have a lot of credit cards and this

is the reason for the loan request. I was trying to consolidate my

credit so that I can only have 1 credit card.

This was ridiculous, the time spent, the aggravation, the

misinformation, the lack of customer service, the lack of compassion,

and the lack of what I feel I deserve; respect, was terrible. I have a

CAPITAL ONE credit card which I will pay off and close the account. I

refuse to give my money to a Credit Card provider who has no one's

interest at heart but their own.

I work as a Supervisor in a Call Center and if I treated my customers

this way, we would be bankrupt and I would be out of a job. This was

the worst experience of my whole credit life and at this point, I would

rather pay 100% interest to a loan shark than 0% interest to Capital One

and their unprofessional way to handle their customers.

CAPITAL ONE CUSTOMER SERVICE IS THE WORST I'VE EVER HAD TO EXPERIENCE.