Comments on: CapitalOne CreditInform Nightmare!!

By: Amar

Amar — Fri, 11 Jun 2010 00:45:06 +0000

Just cancelled my Credit Inform service, and it was actually a lot smoother than I had expected. I was able to connect to the operator right away both times.

At first I had a really pushy operator who literally talked for 15 minutes on why I should not cancel. I told her I still wanted to cancel and she then started talking about other companies and how they charge more than Capital One for the same service. My phone ended up dying and the call got cut.

So I called again dreading hearing the same thing over. I was pleasantly surprised! I had an operator by the name of Vincent, and I told him I just talked to an operator and the call got cut. He asked where she left off, and I told him right near the end, haha. He actually laughed and got my info. I was on the phone for 2 minutes and everything was settled. He also didn’t offer the confirmation number, so I had to ask. Hopefully I don’t keep getting charged.

By: Dinkar Reddy

Dinkar Reddy — Thu, 10 Jun 2010 19:20:54 +0000

Thanks for the tip.Shall keep in mind.I was about to subscribe.

By: Tim

Tim — Thu, 03 Jun 2010 20:15:35 +0000

I just canceled (hopefully!) my CreditInform service as well and had a similar experience as Donna above. Got through to an operator right away and told her I wanted to cancel my account. She attempted to dissuade me but I told her I did not want to debate it and she got right down to canceling it. I was asked for my name, phone #, address, and last 4 digits of SSN. Operator’s name was Armie, she was not rude or pushy at all. She said that the services were canceled effective today, and that I would not be charged again. She did not offer a confirmation number, so I had to ask for it specifically – make sure you get this when canceling! Asked for her to spell her name for me. I was expecting a more nightmarish ordeal based on some of the earlier posts, but it went very smoothly for me….that is, if things actually did get canceled. I’ll wait about a month or two and report here what ends up happening.

By: Donna

Donna — Wed, 02 Jun 2010 23:40:40 +0000

I just called CreditInform to cancel their services and the operator was not rude. However, after hearing my wish to discontinue, I was given a list of reasons for keeping their service. As some of the users here had mentioned, they asked for information to verify your identity (last for digits of SS#, address, number, name), but were not being pushy. They then give you the last day of their services and so you might have to pay that last charge they have on your account.

By: Jason

Jason — Thu, 08 Apr 2010 23:53:45 +0000

Sorry to hear about your troubles with Capital One, but to go over to Chase is really jumping from the frying pan to the fire. Everyone I know who has a Chase account has been screwed by them since they took over Washington Mutual. Services went down (WAMU used to provide FREE credit monitoring), interests rates went up (mine jumped from 11% to an obscene 29.99% after I was late on a single payment–which was the result of their website being down during the switchover), and finally, they just chopped my account limit by more than half because I only owe $34 and I don’t use the card much. Who would at 30% interest? I can get a WAY better rate from the mafia. Anyway, I had had enough of the clowns at Chase and cancelled the card just now. I am not going to sit around and wait for them to find some way to charge my account for some BS like a “non-activity fee.” By contrast, Capital One has treated me fairly all along…they are actually behaving responsibly toward the consumer (in my case at least) and not just trying to scam us. In closing, I would like to extend a hearty “GFY” to the scum known as Chase Bank. You lost a customer, you lost money. My credit rating won’t even feel the “hit” you tried to threaten me with on the phone.

By: Greg

Greg — Thu, 25 Mar 2010 22:12:10 +0000

Just wanted to say I called CreditInform (the operator guy happened to be really nice.) They asked for a phone number to find the account, and my name, address, and last four digits of SSN. Asking for the whole SSN would be pretty intrusive but I don’t mind giving part to prove I am in fact who I say I am. It took like 2 minutes, no hassle, I figure people bitching might have actually worked.

By: Bruce

Bruce — Tue, 09 Mar 2010 14:18:16 +0000

I was on and off the phone with cancelling them.. was not asked for a full SSN (just last 4), nor previous phone number, nor any other account information, nor DOB.. only items asked for other than partial SSN, was my name and address and current phone on the Capital one account.

Now whether or not I’ll have to call back and again is to be seen… but it seemed smooth to me.. might be the individual operator…

By: Lonny

Lonny — Fri, 08 Jan 2010 19:52:04 +0000

@Carra I completely agree! When I decided to cancel my CreditInform, I would have to hang up because 1.) I was on hold so long that I had to return to work, or 2.) The operator wouldn't even come back on the line. It's rediculous!

By: Spraygood

Spraygood — Fri, 20 Nov 2009 22:21:46 +0000

Cancelling CreditInform was a pain in the neck. I noticed that they were charging my credit card twice some months. They also charged my card again the day I cancelled. Capital One will not let me dispute the charge, since CreditInform is a subsidiary of Capital One. So I am going to pay off my Capital One card this month and cancel it! I am tired of having companies steel from me!

By: ALICE Howard

ALICE Howard — Sat, 29 Aug 2009 21:58:51 +0000

I requested creditinform to cancel their services 8/30/09. It was the most exasperating experience I have ever had. It got to a point where I tape recorded my request and the representative assurance that the services were cancelled. Now I will use my recording it needed regarding any further charges.