CapitolOne

I was using my Capitol one card to make a purchase from a vendor located in China. The products arrived in Feb. and within 3 days I contacted the vendor about the damaged products and missing items I recieved. They refused to give me a rts number so I could return the box. I contacted Capitol One they told me not to worry they would reverse the transaction. During the next 3 month I still had not heard from the vendor and I recieved a strange call from an Asian man who started being very beligerent to me about paying the vendor. I told him I had tried to send the merchandise back but recieved no response. He did not identify himself so as he got uglier and uglier, I said I was calling Capitol One fraud dept. because he said I would have to pay this vendor and was so threatening I was very concerned. The fraud department at Capitol One assured me that no charges would be charged back to my account and reassured me that would not happen. About a month or so that charge from that devious vendor appeared back on my account, over 800. I called and was curtly informed that Capitol One sent me a letter requiring additional info. I never recieved that letter, the representative told me it would not be a good idea and if I did this I would only have a 50% chance of succeeding in changing thei decision. I asked who would handle that decision process and she said thir department and their supervisor. I had spoke earlier complaining about the chargeback and she was also extremely curt and snotty in her attitude. Even though I sent the info they wanted I was not successful in overturning their decision. This happened around the fourth month after the original charge. They gave that vendor 3 months and through their collaboration with Capitol One involving that Asian interpreter I was cheated and scammed out of over 800, with no recourse. Capitol One assured me I was protected from this company and could return it with a rts number. The vendor would never answer my requests and even deleted conversations between me and their customer service. Do not use Capitol One ! The gave me a false sense of security each time I spoke with them about this transaction. I closed my account and now they charge me unbelievable high interest fees each month on my balance. So they acted as loan shark and rewarded a scammer Chinese export company. I was treated me abusivly and they had made a decision against me unfairly. I'm sure the way I was treated was not conducive with the fair trade and truth in lending policies. Debra Aguero