@Anonymous wrote:
@DI wrote:
@Anonymous wrote:
@creditwherecreditisdue wrote:
O6 wrote:
creditwherecreditisdue wrote:
It's still time to cut bait...
Nope.
Perhaps Elizabeth Cady Stanton should have cut bait ... and we'd still have the glorious practice of married or divorced women being refused credit.
Or Rosa Parks?
Nope. Not gonna happen.
Why do you go there? There are no racial implications here. Deplorable.
You're not looking at the whole picture.
Whether you like it or not, the fact is that CrapOne is not following the law or common decency. If everyone were just to stick their head in the sand as you seem to suggest, then the FDCPA, FCBA, ECOA and most consumer protection laws would be useless.
What's really deplorable is that you believe nobody should stick up for their legal rights.
Bashing a company with all the name calling isn't sticking up to one's rights. It doesn't lead to anything. Capital One was here yesterday, it's here today and will be here tomorrow. If one doesn't like a company(only when things doesn't go their way) move one. There's no point with all the "CrapOne" this and "KillCap1" that. Those are very strong demeaning things to say about any reputable company. Capital One isn't obligated to approve anyone for an account. And they certainly not obligated to alter it's terms and agreements to satisfy a particular customer. That my friend is the bottom line!
Just what is your personal stake in CrapOne?
FYI, there are probably several thousand Google hits with the moniker CrapOne or a variation thereof. Whether people like it or not, I am not the first nor will I be the last to use that moniker. You should learn to live with it just like those of us who happen to like Chase don't cry when someone else has a different opinion.
You are also confused about the issue. The issue is CrapOne must give a) a legitimate / valid reason when declining credit and b) a reason that is reasonably related to creditworthiness. That is the law. Perhaps those who don't agree should run for senate and change the law as it currently reads.
It didn't seem to stop you from applying for one of its cards. You attempted to do business with Capital One despite seeing thousands of hits you found on google.
@DI wrote:
@Anonymous wrote:
@DI wrote:
@Anonymous wrote:
@creditwherecreditisdue wrote:
O6 wrote:
creditwherecreditisdue wrote:
It's still time to cut bait...
Nope.
Perhaps Elizabeth Cady Stanton should have cut bait ... and we'd still have the glorious practice of married or divorced women being refused credit.
Or Rosa Parks?
Nope. Not gonna happen.
Why do you go there? There are no racial implications here. Deplorable.
You're not looking at the whole picture.
Whether you like it or not, the fact is that CrapOne is not following the law or common decency. If everyone were just to stick their head in the sand as you seem to suggest, then the FDCPA, FCBA, ECOA and most consumer protection laws would be useless.
What's really deplorable is that you believe nobody should stick up for their legal rights.
Bashing a company with all the name calling isn't sticking up to one's rights. It doesn't lead to anything. Capital One was here yesterday, it's here today and will be here tomorrow. If one doesn't like a company(only when things doesn't go their way) move one. There's no point with all the "CrapOne" this and "KillCap1" that. Those are very strong demeaning things to say about any reputable company. Capital One isn't obligated to approve anyone for an account. And they certainly not obligated to alter it's terms and agreements to satisfy a particular customer. That my friend is the bottom line!
Just what is your personal stake in CrapOne?
FYI, there are probably several thousand Google hits with the moniker CrapOne or a variation thereof. Whether people like it or not, I am not the first nor will I be the last to use that moniker. You should learn to live with it just like those of us who happen to like Chase don't cry when someone else has a different opinion.
You are also confused about the issue. The issue is CrapOne must give a) a legitimate / valid reason when declining credit and b) a reason that is reasonably related to creditworthiness. That is the law. Perhaps those who don't agree should run for senate and change the law as it currently reads.
It didn't seem to stop you from applying for one of its cards. You attempted to do business with Capital One despite seeing thousands of hits you found on google.
If you had taken the trouble to read through the entire thread, you'd have seen where that issue had already been addressed.
Just as there are countless negative comments about Chase, Citibank, USAA, Navy Federal and Bank of America all over the Internet, I chose (and stilll choose) to do business with them. I thought that the warnings about CrapOne were from disgruntled slackers and deadbeats and that *I* wouldn't have problems since I do not have -- nor ever had -- credit problems. A lot of places that people say are terrible maybe aren't really so bad. My experience shows that CrapOne is an exception -- they really do seem to deserve their terrible reputation IMO.
One of the greatest things about this board is that peer-to-peer information sharing allows us to get more than just the lender's side of the story. It also gives me some insight into the living/human/tangible side of lending decisions that I personally value-- I know that everybody doesn't, but it really does have value to some. And, when an aspect of someone's contributions doesn't give me the warm fuzzies (but isn't violating any of our forum rules), I just skip over it. It really doesn't hurt! There's really no need to TJ or preach when you don't like someone elses position. If it's relevant to the topic, you can state your case and move on.
Also, as lenders calibrate and recalibrate their risk models & business practices, impacting consumers for better or for worse, consumers have in their power an equalizer of sorts-- sharing their experiences with others. The good, the bad, and the ugly, and everything in between add to the growing body of knowledge that consumers can choose to use in their decision-making. Most days, I have competent & working 'common sense', so I'm able to look past an unfavorable moniker and can critically analyze a review to dig deeper into the issues that matter to me and my end goals. I think that most people are that way.
So, in the spirit of being FS&R, let's un-jack this one, and get it back on track! 
I'm with O6.
If he's in a position to hand out some consequences for rude behavior from a customer service employee, more power to him.
I'd be very interested in CapOne's response.
Starting Score: 527