to all fellow consumers here is some info that may help you all. legal answers from attorneys from every state you can ask your question by going to Lawguru.com to search local, state, federal laws cases codes etc. findlaw.com issues with cap 1 or CC that deal with major banks Federal Reserve.com problems with CA check the BBB ( reliabilty report for the co in their location) issues with CRA grrrr check out FTC.com and your states Attorney General and file complaints. finally get a lawyer check out your states bar association.
