Capital One

Capital One charges a hidden membership fee of $59. They would not repeal it when I called in. Have been a customer with a large loan for 3 years. Paid it off. Company does not have any loyalty and the card does not offer a reward program to justify $59 fee. It is just another way of raising your interest another 5.9% annually on the first $1,000 of credit line. Except when you are not carrying a balance, they are still gonna clip you for $59.

What is more disgusting is the response from a Capital One customer service rep. I have copied the information below from our chat. They need to train their reps below better because a lame duck answer like "I apologize, we have had the flexibility to waive this fee in the past, we no longer have that flexibility due to changes in the economy and waiving this fee is no longer an option for us."

I opened a Capital One debit card account at the beginning of the month. I only received a welcome email. I was able to check my account online, up until the day I made a deposit. On the day my money was deposited, they decided to put a "hold" on my account, after they received the deposit, with no notification to me or anything. I had been checking my account consistently during the day. It wasn't until I stated getting error messages that I decided to actually call, and see what the problem was. I was then told my account had been placed on hold, and would not be able to be verified, until I physically faxed ID verification into the company.

I was not told this at sign up, nor at any point, before all my funds were deposited. I feel as if this company has committed fraud. I received no email or info implying I would need to send in additional verification, neither at sign up, nor when I called to activate the card. Why accept the deposit? How do you accept a deposit if the account is on "hold" status? I still have no access to my money, and will not, until I fax in documentation. I do not have access to fax. I find it absolutely horrendous that I received no notification of such a procedure, and they are telling me I cannot be verified using the manual verification process. I will never again use anything with the Capital One name to it, and I am going to suggest to anyone thinking of using their services, to find a different choice.

I am very unhappy, and I think it is outrageous for you to be able to do such a thing, without prior notification. Had I known this is what I would have to endure, I would've never opened this account. I thought capital one would be a good company. I was 100% wrong. I am also reporting this incident to the BBB, so they are able to warn any other unsuspecting victims like myself. It's just not fair. I have been waiting on my paycheck for a while, and I still cannot access it.

Capital One refuses to close accounts rebates last activity on accounts, add over limit fees to accounts illegally, delays posting payments to accounts in a timely fashion. What is it going to take to get the federal government to act against this company how many people will have to suffer through judgments and garnishments before this company is held responsible for their actions and the actions of collection agencies they sell out of date debts to.

I have been having problems keeping up with my account, since I was unemployed for 18 months. I have started working again, and have made a major attempt to get back on track. I just sent $239 this past week. I received an offer in the mail, stating how Capital One understood my financial problems, and wanted to offer me a $50 incentive debit card. All I had to do was call and activate it. When I called to activate it, the first representative hung up. This is not good business. The second transferred me to another rep, saying my credit was past due, so I am not qualified for the offer. My question is, why send it to help those who don't need it? I wanted to use it towards my balance. My balance is less than $500, and I am trying my best but it seems that the rich is get richer, and those who work so hard, and do without paying their bills aren't good enough for your so called helpful offer. My card has expired. I understand that. The reason was to not get more indebted than I was. I was hoping to cope after it was caught up, but after this, I will never deal with Capital One again. This sounds more like a scam to me, than any generous offers you may give to help your customers.

My partner died so I called Capital One to cancel her credit card and instructed them to refuse any further charges from Hughesnet. This was the only charge ever made on the card and I had cancelled the satellite account (I had DSL and was not using Hughes). Not only did Capital One not cancel the CC, they transferred the account to me and continued to accept charges from Hughesnet. After a three-way call to Hughesnet, who said they were removing the charge and Capital One agreeing to finally cancel the card, they are now calling twice a day harassing me to pay the charges from Hughesnet.

They had no right to transfer the account to me, no right to accept charges on my behalf after me specifically instructing them to cancel the card and not accept any charges or no right to now hassle me about something I was not responsible for. Capital One is fraudulently trying to collect a dead woman's debt. Public beware!

On January 20, 2012, I paid both mine and my husband's Capital One monthly payment. They were both paid on time. Since I have made those payments, Capital One keeps calling me. I spoke with various Capital One employees and asked them if there was a problem with our bills. They said no, there wasn't, everything was fine. I asked why they were calling me and they couldn't give me a direct answer. Each time I spoke with them, they apologized for the inconvenience and assured me that they would put it on my file, that nothing was wrong with the account and they wouldn't be calling us.

Whenever I got the phone call, I got the same run around, the apology, but they never keep their word. To me, this is harassment, mine and my husband's next payment isn't due until February. We are both so angry with Capital One, that we have destroyed the cards and will just keep paying our payments until our accounts are paid off. I am at the point that I won't answer my phone when I see their number light up. Is there any way these harassing phone calls can be stopped. I can understand if they call if my payment is late but it's not. Please help me with any information

I have 2 auto loans with Capital One, and until now, have been very happy with them. One of my cars was in an accident, and was declared totaled. My insurance company has been pleasingly prompt, and they mailed the check to Capital One last Wednesday. Today is Tuesday, and the payment hasn't shown up, so I called Capital One, and reached their "total loss" department, where I was informed that it will take 7 to 10 business days to credit to my account. I objected, telling the woman that US Mail only takes 2-3 days maximum.

She then replied that it would have to be rerouted to the total loss department, and that takes up to 10 business days (yes, two weeks). When I asked if they would credit me the loan interest back for the time between when they received it at their payment center, and when they actually credit the account, I was told no, that the interest would continue to accrue, until they input the check into the system. That's nice, Capital One. That's a pretty sneaky way you have set up, to get the extra 2 weeks of interest!

I settled my account with Capital One, but they kept on billing me. I requested for my account to be closed, and paid. They refused to close my account. Every month I get a bill, I send them proof that I have settled the account. What can I do?

I was told that before I opened any secured Capital One credit cards, that after a certain amount of time, Capital One will give CLI without adding deposits, and in most cases, transform the secured card into an unsecured card with accounts in good standing. So as someone who is 7 years out of Bankruptcy, I was looking to rebuild my credit finally and obtained two secured cards. Both cards had a $351 CL, with the $200 on each cards deposit. I was thrilled to have those cards become unsecured, or at the least have a CLI with good standings.

I have now had these two cards for almost 8 months, never been late, and always paid in full each month and never maxed them out. I have had zero CLI and when I called to request one, they told me they do not offer and have never offered this. I then asked how close I was to transforming these cards into unsecured cards and the rep. over the phone practically laughed at me and told me in a not-so-polite tone that this is impossible because they do not nor have they ever offered to transform a secured card into an unsecured card. Wow. What a slap in the face.

I have been a loyal customer of Capital One, I even worked there as a temp for an SVP, and was offered a permanent job, but now I am saying they are discriminating against disabled people. I have cancer now (and going through a divorce). Within the past year, I have even paid the credit card company money in advance, when I owed nothing. I am not behind in my payments at all. As a matter of fact, I get weekly mailings that say I am already qualified for another credit card with them.

Every time I apply, they say I am not qualified. I have called them, told them that I am on disability, and have cancer, and I am up to date, but I need a credit increase. They turned me down. I want to know why, if I don't qualify, do they keep sending me mailings. When I was not ill, they gave me increases. This is discrimination. I don't see any other reason for it. I would like them to increase my credit limit, based on my past payments, always on time and as I said, I have paid them in advance, so in my time of need, I would like an increase.

I Spoke with Capital One on 21 Jan 2012 about an account that I accidentally locked myself out of. It took about five minutes and I was back in. Twelve hours later, I was trying to access my other two capital One accounts and they were locked out. When I called, they said I had not set up a profile but could not explain how I was able to make online payments for the last three years, change bank accounts to pay from and resolve issues with online. They told me that it would take 5-7 days to resolve since "I wasn't the only person with a problem and they would have to research it." The problem that I told James from Capital One is that there have to be others that they log into their knowledge base with the same issue and I wanted it resolved because the next time someone asks me, "What's in your wallet?" I'm going to tell them Discover Card and laugh.

Something needs to be done about these finance companies taking advantage people. They charge you an ungodly amount of interest like in my situation. We have been paying on this car for a year and a half, and according to their figures we have only paid a little over $2000 on this car where the interest rate is 23%. The car payment is $426.75 a month, but when you call to make a payment they want to charge an extra $15 to the payment for calling to make your payment and if you're late they want to charge an arm and a leg for it being late also. All they are doing is ripping people off.

The people at Capital One are crooks! They have horrible business practices and even worse customer service. How many complaints will it take to put them under? I have been unhappy with Capital One from the day I opened the account but stuck it out to give them a try. I will be closing my account today and will report if I have any problems with that as well, because I suspect I will!

Called Capitol One on 01/06/12 to find out the pay off on my account. I had just made a payment on 12/30/11, so I knew the balance had gone down some but I wasn't sure how much. My Loan rep whom I was doing a Debt consolidation loan through had Capitol one on speaker phone we got the figures and mailed the check along with a note saying to close the account once the payment was received. I got online tonight to print off that the account was paid in full and noticed that there was a balance. So I called them to find out why they had applied interest anyway, and what dollar amount they were basing the interest charge on. After 37 minutes on hold with a Rep, while he waited on a manager to be available, they hung up on me. Are you kidding me! That's customer service for you these days?

After using Capital One master card for about 2 years and being a great customer with full monthly payments and not having one single late payment, I decided to use just my Chase card and close my Capital One account, so that I don't have to pay any annual fee. When I called them and tried to close the account, they offered me another type of account "Venture" which didn't have any annual fee!

So I decided to accept the offer and keep the account as a secondary card. After a few months, I received a call from Capital One asking me whether or not I withdrew $200 from my card and my answer was "No"! They assured me that they will remove any charges related to that transaction and that I was not obligated of any payment.

After a month, I received another call informing me that they didn't find that transaction to be fraud and I have to pay that $200! I tried to give them different reasoning that the transaction was not done by me and based on the policy of the card, they must remove all the fees. However, they said that someone had called them 18 hours before that transaction and set a pin. And if I believe that further investigations are needed, a police report must be filed.

Today, after calling them a zillion time and filing a police report and a million other forms and reports, I haven't been able to resolve this problem! The funniest thing is that the "agent" who is assigned to work on my case doesn't even reply to my messages, and any time I call Capital One, they say that Ms. so and so "is not available we'll leave a message for her"! I wish I had closed my account that day and didn't accept their freaking offer.

I am so livid with Capital One that I canceled my credit card on the spot today.

On December 29, 2011, I made a payment to CO using their online payment method. Like every month since I've been a customer, I pay my bill on time and in full, to avoid interest charges. Not only do I remember making the payment, but 2 things of importance were present when I made the payments. Firstly, although I receive a paper statement, it gets sent to my permanent home address (I am in grad school). When I made my December payment, I was surprised my bill was lower than I knew it should be, because I was aware of how much I spent that month. I figured I was credited for a late payment fee that was erroneously added to my account the month before. It turns out I was charged twice for my December payment. I was never notified.

Another important factor was what was actually on my statement. I had lost my dog 5 days before I made my payment and I was eager to get that charge off my statement because I did not want to be reminded of his vet bill.

I had used my card twice in December and made a payment for $120 (this total includes my credit). Even though I received a confirmation number after I processed my bill, I only received it on their website (and not through an email) after making the payment. Since I'd never had any reason to keep my confirmation number before, I closed the site after I saw the payment was scheduled to be made (Never again will I not keep the confirmation number due to this incident).

Not more than a week later, I was traveling in Florida and went to use my credit card, only to find out I was denied. When I called and inquired why, they said I had reached my limit. When I tried to dispute this, they said they would only refund me if it showed up on my bank account that I had been debited the money, since it wasn't showing on their records. This was unfortunate for me because not only was CO delayed on their proof of payments and online statements, but so was Bank of America. It showed it was never debited from my account. When I called BofA to discuss this with them, they said they never even received a request from CO to confirm the payment, which left me SOL.

When I called CO, again, I asked for them to review my account activity, to show that I had logged in on 12/29/2011. They told me that they don't keep records of that type of activity because "it would be a burden on their account files and storage on their computers." The only record of account activity they could access was from the current day. That means that no matter what, they can only tell you if you've been on the site that day, not even the last day you've logged in. Seriously? I am appalled at the lack of due diligence this company is practicing!

Not only that, but I was on the phone for over an hour, placed on hold, and then hung up on. All of their calls are outsourced out of the US. I understand it might be cheaper for them to do so, but when a US customer has a complaint they need to dispute and the numerous people they are trying to speak to barely speak English, it is extremely frustrating. Not only that, but all of their employees are programmed to go through the same routine conversation, and even if you try to tell them what you are calling for, they still go through the whole rehearsed routine of going through your activity where you made them. There is a difference between effective protocol and wasting my time, and this is the epitome of the latter.

At the end of 2 hours of trying to get someone to understand what I was trying to accomplish, I was left defeated. CO told me they couldn't even check to see if anyone even attempted to connect with BofA to make a payment to my account, nor could they even tell me if it was done manually or if a computer program just did it automatically. BofA had encouraged me to ask about this process because one of its (BofA) associates told me that often, credit card companies enter in routing and account numbers incorrectly, so that would explain why BofA never had a record of an attempted payment by CO.

Even though it's only $120, that is besides the point. It's the principle of it. This card was only for emergencies, hence the vet bill, and had a max of $200. As a grad student, paying a bill once is hard enough on such a limited budget. But when it makes you feel like you're being taken advantage of, that is just too much. If I was never notified of my credit, who's to say I won't be notified that they mysteriously found my previous payment. I'd been a loyal, prompt and reliable customer for 3 years and this was how they repaid me. This company needs to be exposed for how they exploit their customers, and it needs to happen asap!

Payment protection plan has not been what they say it would do. Not initiated despite claims sent and proof of disability. Still owe money that plan covers.

I paid off the card in full on 8/15/11 and have not used it since. Capital One created phantom charges, added interest and then late payments. Now I "owe" $104.28. Not only do I "owe" $104.28 for no products or services delivered in return, but my credit report was dinged as well because I didn't know I could be charged phantom fees and interest. Stay as far away from Capital One as possible. The barbarians they use in their TV ads are real and their job is to steal your money.

I tried to use my Capital One card to make a payment for a cruise. The travel agent stated that the card was refused. I called customer service, and found out that the card was placed on hold, due to the $8.50 that was inadvertently left out of my payment to Capital One. I pay off the balance monthly, and have been doing so for 10 years. I have about $20,000 in accounts with Capital One. I had them move money from an account, to pay the $8.50, but the hold will take a day or two before they can have it removed, so I can't use my card to pay for the cruise, and get rewards. I am tired of talking to customer service people like Peggy, etc. It seems that no one in customer service gives a ** about their customers. So long Capital One. I'll be closing out, and moving my money some place, where it is appreciated.

My experience was less than 1 star with Capitol One. So Why do I have to rate my experience? Here's my complaint: I have tried since Sept 2011 to close my Capitol One Credit Card. They have absolutely refused.

I transferred my entire balance on the card to another credit card and requested the card to be closed at the same time. I found out later that they did not close the account, and they are still accepting all transactions that are from "yearly and monthly" type of accounts.

It's always been my understanding that if an account is requested to be closed, it's closed and no "New" transactions are to be accepted. If there had been a balance when the account was closed, then yes the balance must be paid. This seems to me to be a "tad" illegal.

I closed my account with Chevy Chase Bank on 12/14/2011 and the teller asked what could she do to encourage me to keep my account open. I informed her I did not like Capital One's practices with regard to their customers. My accounts have always been in excellent standings. I received a letter from them on 12/30/11 stating they paid an automatic payment of $7.41 and charged my account $35 for an overdraft fee. I called their 800 number and the representative told me my account was closed on 12/14/11 and she does not know why anything was paid after that date, but I would have to forward $42.41 to them because my account was now in the negative. I am disputing this $35 charge fee and feel I should not have been charged since my account was officially closed. The $7.41 should have been refused due to account closed. This is another way for Capital One to get money from good customers. Your assistance in this matter will be appreciated.

On 1/11/12, I called and used the automated system to pay the minimum payment of $15. Today, 1/12/12, I woke up to find my bank account negative over $300. To my surprise ,I found out that for some reason Capital One paid off my balance in full which I did not authorize. I called Capital One only to be told that it would take 5 business days to refund me my money which, for me, is unacceptable considering it was their mistake.

We have a newborn baby that we need to buy formula for and we can't do that with a bank account that is negative $300. It's not like Capital One even cares though. There should be no problems with me faxing them my bank statement and they refunding me immediately but according to the supervisor, she cannot do that. I call ** on that one. I will be cancelling my Capital One card and never getting any form of credit from them again!

I have a Sony Rewards card through Capital One credit card. Last month Sony rewards had a special promotion to redeem points for particular items by a certain date to receive by Christmas. I redeemed points for 3 items. I received one item and it was not the one I ordered, so I immediately contacted Sony rewards. I was assured by the representative that they would do an overnight for the correct item through FedEx and at the same time FedEx would pickup the wrong item. I stayed home the next day and no one came from FedEx. When I called Sony I was told that they don't know anything about it and until they receive the wrong item back they can't ship the right one. FedEx finally came after a week and only when I kept calling Sony since no one actually placed an order with FedEx to do a pickup.

It has now been 3 weeks since Sony received the wrong item back and they have not shipped anything to me. I called them a few days ago and the representative could not tell me when my order of the 3 items will come since the one they made a mistake on has not even been shipped. The representative told me that they received the wrong item back and don't know when they will ship the correct one to me. They also don't know where the other two items are.

Sony Rewards has taken the points away, and although they promised last month in their advertisement to deliver by Christmas this is false advertisement and theft of points. The points are like cash and these points can only be used to redeem items listed in the Sony Rewards catalogue. Sony has not given me what I redeemed my points for and I am out of the points and don't have any of the 3 items. Sony feels that they can get away with this because these items were not technically purchased; if this is the service, I would receive through credit card purchase and by now my credit card company would be involved. But since this is only a points redemption, Sony feels that they can act unprofessionally and unethically by taking my points away and not providing me with any items.

I had contacted Capital One credit card and they stated they cannot help me. I keep calling Sony and neither the customer support nor the managers are able to assist me. I want my 3 items sent to me or the points that Sony has taken away returned to my account. Sony Rewards has not shipped anything to me. Sony Rewards cannot tell me when my items will be shipped. Sony had promised early last month in their ad to have items before Christmas and have not followed through. Sony Rewards has taken my points but have not provided me with the items I redeemed points for. Capital One credit card that is associated with the Sony rewards program refuses to help me.

On 8/30/11, my wife called Capital One and spoke with Clair, asking to have our due date moved from the 10th of the month to the 28th of the month. My wife explained that one of our vehicles had just broke down and we needed the money to get it fixed and did not want our credit card to be delinquent since we could not pay it by the 10th. My wife told her we would pay it by the 28th. Clair said, she thought she could do this, however 22nd may be the only option. She would check. Also, the change would take 30 days to happen. We would probably see a late fee on the next statement, just call and ask for it to be removed. In September, we went into a debt management program. Capital One sent us a letter on 9/15 accepting the terms of $85/month.

The debt management company paid the bill on 9/24. On 10/8, we called and spoke to Joel, to have the $25 late fee that did show on our statement removed. He said that he would remove it, never stating that there was a problem since we were on the debt management program. On 11/21, in the midst of our grandson's funeral, we received an email notification from Equifax of a credit change. We missed the email due to the family emergency, and then the holidays.

We received another notification on 12/29 from Experian of another charge. When we checked the credit bureaus, we discovered that Capital One had reported us as 2 months past due, because the payment had gone up to $92 and the debt management only paid $85. This created a delinquency in Capital One's eye of $7, and had never been paid, therefore they reported it. This report caused my credit score to drop 93 points. We called Capital One on 1/2/12 and spoke to Andrew, to ask why the late fee was never removed and why we were reported as 2 months past due.

He said that we missed the September payment and that the late fee could not be removed because of that. My wife told him payments were posted for Sept, Oct, Nov and Dec between the 24th and 26th, which was on time by the 28th due date as previously requested and agreed upon. Therefore, the $7 they are claiming we are late on, should have never been had the late fee been removed.

We wanted the late fee removed and the negative comments retracted, so my credit score would be reinstated back to what it was prior to 11/21 submission. After going through all the conversations and payments again, Andrew said, that it appears that the company had made an error. However, he could not remove the late fee, only a manager could do so, and no one was available that day. The only thing he could do was to submit an investigation to the credit bureaus. He suggested that we pay the $7 to bring the account current. so he could correct the due date.

He suggested it be moved to the 2nd that way the payment made by the 28th would be on time. He would also request that a supervisor or manager call us to discuss the issue with the late fee. My wife gave him her cell phone and the house phone. She requested that they call the cell number first, then the house phone number. We only had 1 call to our house phone, from them, no messages were left. (We have caller ID ND voicemail)

We called back on 1/4, 3 times only to be hung up on twice. The last time we spoke to Pam, who claimed a supervisor had indeed called us 3 times but we never answered the phone. She also would not transfer my wife to a supervisor because I was not at home to give my "approval". My wife asked her to make sure a supervisor calls her back on her cell phone. To date, no one has called her. We called again on 1/9/12 and spoke to Carla. She also claims that a supervisor has called us 3 times, no one answered and said that a message is never left for privacy purposes. Carla also told my wife that she only has authorization to discuss the account, she cannot make any changes. It has to come from the card holder. (I have given my approval every time she has called to make a change.)

Carla said that the late fee could not be removed because we are in a debt management program and that the inquiry to the credit bureaus probably will not change anything. Per their computer records, we were delinquent and therefore the comments will probably stand. We went into this debt management program in order pay our bills and keep our credit score good. Had we known that one credit card -- will do what they want and file a negative comment to drop our score, we would have just filed bankruptcy. It just does not pay to do the right thing anymore because corporations apparently do what they want to. No one makes them do the right thing. I think we the people need to start fighting back. This has to stop!

I was approved for a Student Rewards credit card from Capital One. I received the card on Saturday, January 7, 2012. I called Capital One and activated my card with a $500 credit line the same day. I used the card two times for purchases totaling $29.50 and then attempted to use my card for a $4 purchase only to have it declined. Thinking there was an obvious mistake, I ran it through three more times only to keep getting declined. The clerk informed me this is commonplace at their establishment and not to be worried. To establish it was their mistake and not my card's I tried to use the card outside at the Redbox kiosk, declined once again.

I contacted Capital One online and am told to call the next day during business hours. After being transferred five times, I spoke with a "fraud agent" who informed me my account was put on hold because of suspected fraud. I inform the man of my situation and am told the only way to undo the hold is to fax in one form of government issued ID, a pay stub, and a utility bill to prove my address.

After they received the documents, it would take an additional 3-5 days for them to review the documents and take the hold off my account. Why was my card declined in the first place? I was not provided any answers except that I needed to provide these documents and wait patiently. Wake up people. Capital One has a long history of doing the exact same thing to new card holders. Don't waste your time. I will be reporting them to BBB also.

I had an account that I fell behind on payments with. I needed to get it taken care of because it was keeping my credit score low. I pulled money out against my 401K in order to pay it down. I paid 850.00 towards the bill, and that left a balance of 500.00. They told me that I could make minimum payments of 20.00/mo with 0% interest. Sounded good to me. Well here it is over a year later, I'm still paying down the 500 that seems to never go away even though I'm supposed to be on 0% and they still have me listed as Derogatory on 2 of the 3 credit reporting agencies. I'm really pretty ticked off. We entered into an agreement and I am keeping up my end of the deal, yet they are still trying to strangle the life out of me! Any suggestions out there?

In September 2011, I received 2 notifications via mail from Capital One Auto Finance for good or bad credit. I was looking to purchase a newer vehicle despite my derogatory credit rating, so I called the number and was routed to Hillside Auto Mall. On 9/25/11, I traded in a 2004 Jaguar X-Type for a 2009 Honda Accord EX Coupe at Hillside Auto Mall, Inc. located in Queens, NY. The dealer, Ray and I discussed and agreed on 72 months finance with a schedule to refinance with Municipal Credit Union in 3 to 5 months.

I have made 2 car payments in the amount of $998.00 total. My Capital One statement has all of the aforementioned payment as interest with no monies going toward the principle loan amount. I contacted the dealer who stated he had never heard of such and would call Capital One. After several additional calls to both Capital One and the Dealership there has been no resolution, just the runaround. Finally, Capital One floor supervisor, Nick **, informed me of signing a contract for a simple loan with daily interest of $12.00 per day accrued from purchase 9/25/2011 until first payment scheduled 11/9/11.

However, as I explained thoroughly, I never was told anything in regards a "simple loan" with daily interest, nor was I given the option to avoid accrual. The fact of the matter is my trade in was not paid off until 10/21/11. I was still responsible for the payments which were taken from my direct deposit. I would not have made this deal had I known in detail what financial risk were involved. I totally feel this is wrong and must be corrected.

I have had a Capital One Master Card since early 2005. It had a small limit, which was not helpful when traveling. I called and asked about a credit line increase. I was told that they would grant me one on the condition that I accept Credit Protection on a monthly basis. I was unemployed at the time and they knew it. Late last year, they were apparently sued in a class action suit (Spinelli) for their Credit Protection practices. I was not made aware of it and was unable to make a claim. I have since closed the account and am continuing to make payments.

This Spring I moved. In the early fall, I called Capital One and told them I wanted rid of the Protection Plan. They transferred me to a retention unit, who asked a few questions. When they asked if I was employed at the time the Plan was added and I said no, they freaked and transferred me to the Plan Department. The representative there said it would be removed immediately. It was.

I am so upset. I calculated the amount I paid over the last 6 years and it is roughly $2000, almost enough to pay the ** card off. Yet that $2500 balance sits there with its incredible jacked up 29.9% interest rate and even with it closed, it never seem to get much lower. Let this be a warning. Capital One specializes in fraud and legalized theft from consumers. Between us, my husband and I have four of their cards; once these are paid, never again.

This has now gone on since June 2011. I received a letter that denied additional credit on June 4th, 2011 on a Capital One card I didn't know I owned, especially since in 2009 after short selling my home, I received a letter claiming that my credit line had been cancelled. The credit card number had never been used by me. I disputed all charges and filed a police report. All charges were made while I was in Jamaica. The only person to enter my home was my 30-year-old daughter to water my plants and feed the cats.

According to Capital One, the activation call was made from my home phone on May 2011. I advised Capital One that my credit is very important to me and I am willing to have even my own daughter arrested, but I have no proof that the card exists. Since June 4th, I have spoken to Spencer, David, Jessica, Adam, Meredith, and Kathy. David was assigned our fraud case. He has been so horrible and made a claim that I conspired with my daughter to take money from Capital One. I was treated like a thief.

They have now changed the credit card number three times and my first statement from Capital One since 2009 was issued on December 5th, 2011, claiming 5 months of late fees and incredible interest rate. My daughter has signed a letter of responsibility, yet they want to destroy the good credit I have regardless. They are the worst company. The charges were fraudulent, not authorized and not mine.

I had a Capital One card and I was paying the protection plan. When I lost my job, I called to let then know and I asked them about the protection plan, and they told me there was such a thing and that I had to pay the bill. Now they have been coming after me for payment. I paid then $500 so far and when I told then I couldn't pay them anymore, they came after me for another $1024. I just received a letter in the mail from the marshal for payment of $216 a week until its paid off. I'm not working at the moment. What do I do?

Capital One is really hurting the economy. I hope this Credit Card Company really goes out of business. This is a joke! They do so many illegal things that aren't right. The workers for this company over the phone are also rude. They don't have any ethical decisions and if they do lose their jobs, it's about time they feel how others feel who. They are also have a little scam going on with "No Hassle". Oh, they really do hassle your billing at a high APR! They got me once when I was 18 years old a long time ago. I was new at this credit card thing.

My credit limit was $300 and I tried to make payments. Every time I was late just once, they charged me like more than the APR interest! My bill went from $300 to $2000 plus. I was going through Basic Training in the Army when Capital One was continuously charging my credit month by month. When I came back from training, I paid that $2000plus bill and framed my credit bill receipt to remind me that I will never ever apply for any other credit card company except my debit/visa card. It makes me feel sick to my stomach that after ten years of not seeing a Capital One, they have the ***** to send me another mail application that I am approved for a higher line credit. This is absurd and I don't think they should go on with this craziness! Someone needs to put a stop on them!

On December 27,2011, I received a letter from Capital One stating that it is possible that someone opened an account using my identity information. I called several of those numbers that were in the letter and no live person to talk to, just recordings of how to prevent yourself from identity theft. I don't know if this is a selling thing to get a protection plan or what.

I have a slight disability, understand these type of things. I was very scared and worried. I drove over the police department and show a deputy the letter. He told me, if any further letters or some fraud took place, the deputy will handle it. This Capital One should take the time to apologize what they have done. I am really hurt. I can't afford an attorney.

On October 24, 2011, I made arrangements to pull from the account $161 on November 6,2011 but on November 3, 2011 I called and made payment for amount of $181 with Nick, customer representative. I informed Nick that I wanted to cancel payment for November 6, 2011. Nick informed me that that payment will be cancelled and will not be taken from my account. Well, on November 6 ,the payment was taken from my account. I contacted Capital One and informed the representative what happened. The representative informed me that it will take 7-10 days to be investigated. I informed the representative that they caused me overdrafts because my other bills had been taken from my account and they took $161 that was not fully there. I also again told them they put me into overdraft and that it is causing overdrafts ever day. They didn't care.

They knew they were not to go into my account again on Nov 6 but they did it anyway. They just tell me they don't know how it happened. Well, they put back $161 but didn't pay over drafts. When the $161 was returned the overdraft took that because the account was in massive overdraft. I again called Capital One and informed them that. The representative informed me that I had to send bank statement to show the overdraft which bank sent the dispute about the charge. Still, today it hasn't been taken care of. The account is still in over draft and Capital One calls me everyday and I explained what they did over 50 times. They just tell me again to send statement which I have done on 4 different times.

This includes bank sent statement to correspondence department; also they just tell me they are working on it. It has been almost a month now but they continue to call me for a payment which this bank account is now in over drawn amount of $867 because of Capital One. And they are aware of this but they want me to pay my credit card bill which I will and have no problem doing. I have been customer of Capital One for over 10 years now. Please inform me what to do.

My first payment I sent in was two $500 money orders and I received an email stating my $500 payment was posted. I became worried and called. They kept me on the phone for an hour talking to numerous representatives and there was nothing they could do to help. I'm assuming they opened the envelope for one payment and threw the other away. I had the receipts and am now waiting a month in Western Union to be reimbursed. My second payment, I did a check by phone. On Dec. 20th, the money was out of my bank account the next day. I went to CA for Christmas and got a rental car. Upon returning the car, my Capital One card was declined (Dec. 27) because they said the payment hadn't posted yet. When I called to talk to them about this, I talked to 4 different people I could barely understand what they were saying. I was hung up on 3 times. Incredible that someone that has thousands of my dollars "tied up somewhere" would treat me that way. These people are a scam.

Capital One has screwed many people over the years on mortgages & other financial products. Do not deal with these people. I wrote to them to stop any further solicitations, even if they are giving away free money.

As being a business owner, in this day business has been slow. It's also been very hard to keep up with business and personal bills and keep the cash flow flowing. We also hired the wrong bookkeeper who has been trying to put us out of business. This lady has many different names and has felonies on her record. She was recommended through a chain of FL state agencies. We got behind in our car payment as well. We made a double car payment yesterday and only behind one payment now.

By the way, they charge over $200 a month in late fees (our payment is only $358 per month). Capital One still took the car last night with our 3 kids car seats and strollers in the vehicle. The agency that recovered on behalf of Capital One (their client) said it was a holiday weekend and they close at 12 noon today and to call back on Tuesday. We are Jewish and feel that we're being discriminated against because they decided to close for a holiday we do not celebrate. I don't see how a company should take a vehicle a day before a holiday closing and expect the family to go without their personal belongings, especially when they are going through a hardship already.

I'm sure they are still going to charge us a per day fee. Where's our government to help "We the People"? Capital One also does not refinance their own vehicles because they want to keep more money from the people and ask the government for more money to help the people. What people are they helping? CEOs of Capital One?

They are billing me on a closed account that was paid off and closed by me. The fees charged are their own fees, late charges for their fees and interest on the fees and late charges! They pyramided the fees and late charges and now trying to damage me with this fraud. They keep on sending me notices. I disputed the charges on my credit report and the information fell off my report due to being too old. I did close this account years ago with written notice and I paid off of the balance. I have no charges on this account. This is them charging up an account under my name.

I had a Capital One credit card that, because of tough times, I was unable to pay 2 years ago. I continued to get statements and letters from various attorneys and collection agencies offering settlement offers. Meanwhile, Capital One was reporting to the credit bureaus that my account was "charged off as bad debt". They continued to charge me interest and past due charges. On 11/9/2011 I was contacted by an attorney and was able to work out a settlement. I was told it was paid in full and taken care of.

On 12/19/11 I received an actual statement in the mail from Capital One showing that they received my "settlement" payment, charged me interest, showed my balance and indicated my account was past due. Obviously I took out a loan to take care of the problem and the problem is still there. They are still destroying my credit and the issue hasn't been resolved. They continue to harass me.

I've had a Capital One credit card since 2007. I have used it a few times, but never carried a consistent balance. I've always paid it off within a maximum of 2 months. My card had a zero balance as of August 2010, and the card itself actually expired on 12/25/2010. Today, 12/19/2011, my wife calls me and says that we have a $135 balance on the card. So, I called and the lady said, "oh, your account isn't coded to us. Let me transfer you". After about 10 of those useless calls to some Arab terrorist call center, I get another moron on the phone who actually takes it to the next step of, "how can I help you with your account? " Wow! That was about all she did right.

I told her the situation, and she said, "you've had 0 balance, but your account has a 3 dollar membership fee each month. I said, "so your charging me interest and late payment fees on my member fee?" She said, "don't worry about it, Capital One is going to wipe that balance, but your account has been closed". I said, "I don't want my account closed". She said, "that's just how it works". I said, "that's fine, I don't want to do business with a company that is that incompetent, and who also employs camel jockey morons, who can't even speak English". I had a few choice profanities for her and her mother, before she finally hung up. Anyways, morale of the story is pick another credit card company and bank, to do business with. ** Capital One!

In September, 2011, I took advantage of one of their 12-month 0% interest programs, as my account had a zero balance and had been paid off for a few months. I bank online as well as pay this company online. The 0% check posted to my account timely, but Capital One did not send my notice of payment due in November and now expect me to pay the 22%+ interest on this $1,250.00. They did send the notice of payment due in December, at which time I posted a $200.00 payment and noted that I had a $39.00 interest charge.

The first representative, Lem in the Philippines, with whom I spoke stated that the check for the interest-free loan did not post to my account in time to take advantage of the offer. He said it posted on 10/04. My statement shows it posted on 10/03, which was in time. He then said I didn't make my November payment. I have every email sent me from Capital One since March of 2010, so I know the November 2011 notice of payment due was never received. Lem spoke with a manager who offered a $50.00 credit and then asked if I still had the money in my bank account, as if this were any of his business!

How many others are scammed into taking advantage of a 0% loan and then get jacked around like this. I am waiting for a representative of Capital One to get back with me on a weekday, as it appears the international call center takes over on weekends. If there is the opportunity for a class action suit or cause to pursue one, I certainly will be a part of it. I have taken advantage of similar programs with other credit card companies but have never met with this type of excuse-serving employee blame-pushing.

It is my expectation that Capital One will credit back the interest they have charged and set the interest to 0%, until such time as the terms of the advance are met. If it can be proven that other consumers have experienced this same "convenient" payment missed treatment by Capital One, it may be worthwhile to pursue this as a class action suit.

I have been trying since 11/29/2011 to have a letter faxed to a mortgage company stating my grandson was removed as an authorized user on my account. I tried on 12/13/2011 and 12/16/2011. The latest excuse was "the backup office is closed." Absolutely nothing has happened!

Last month, Capitol One took my payment out of my son's checking account. His checking account is at a completely different bank than mine. Amanda spent many hours with us and assured us our problem was taken care of. This month, my son's payment was taken out of my checking account. I spoke with 8 of your representatives between last evening and between 7:00 am to 10:00 am PCT this morning and have gotten nothing accomplished!

It's absolutely absurd that I should have to work this hard to be able to pay my bill out of my checking account. I have been a customer of Capitol One for over 10 years as has my son. We have been paying without incidence up until last month. What is going on and how are you going to correct this! Telling me to "get a check from your son" is not satisfactory. You are taking unauthorized funds from our checking accounts.

The problem is that over many years, the majority of my purchases (all quite normal) are simply denied and I'm forced to call their hotline. The number on the back of the card is out of order. According to Capital One, there is no replacement or the out of order number sometimes works. Their service is so terrible I've stopped using the card for all but emergency purchases. Not including the various (sometimes serious) complications for me, there are two main problems evident.

First it is part of their contractual obligation as a credit card bank to facilitate charges on each authorized (by me when giving all correct information) transaction. The second problem is that while it's sometimes not even possible to call (because of the out of order number), when I do get in they record the private phone call without my permission. This is illegal in most places where phones exist and for good reasons.

Of the many problems and abuses by Capital One as shown on consumeraffairs.com, I'm considering closing the account. If only it were possible to force them to honor their part of the contract (for example with a lawsuit), then it would be great. They pose various disadvantages for the customer. This includes being stuck outside a hotel where the customer can't check in because Capital One refuses to pass the perfectly valid transaction. Then when frantically calling the number on the back of the card, customer will be getting a permanent busy tone or even 'this number does not exist' recording (which later a Capital One representative acknowledged).

I have had an account with Capital One C.C. for over 10 years. Up until 2 or 3 years ago, I maintained the 9.9% Fixed Rate Interest account. I paid always on time. In the past 4 or 5 years, online payments were made directly. About the time the government announced they were going to start cracking down on credit card companies for their fees, but before the laws were in place, Capital One raised my rate to 17% and changed it to a variable rate, no longer fixed! Remember my perfect payment record. This meant nothing to them. I called customer service and really complained as recommended by consumer reports. And Capital One was "kind enough" to lower my interest rate to 10 % but for only a 6-month period, then it would go back up. After that, they would do nothing about it. About that time, the minimal payment due amount increased two-fold.

Fed up with the treatment I received, I no longer used this card for purchases and just paid down the balance. As of last month, I was to a point where I could send one large "payoff" and clear the balance of this card. I called and went online to find out the current pay off balance. You know, like all creditors will give you, figuring out if paid by the interest charged for that time. Well, it was not available; they would only provide me the full account balance for that month's statement. So I just paid that full amount and sent priority mail with tracking so I had proof. Low and behold, two weeks later I receive a bill from Capital One with over $40.00 due for fees and interest!

They charged me a late fee and interest on the payoff balance! The customer service rep stated that since it didn't arrive by 12 am on the morning of the date due, the account was accessed with a late fee and interest was charged on the balance. To me this is a scam! He also tried to tell me the payment arrived three days later than it actually did until I informed him I have proof of delivery in my hand!

After much frustrating effort to get him to explain to me why they are charging full interest on a balance that was paid in full, he promised that they would remove the late fee. I made sure I got a confirmation number, but I still need to pay the interest because the payment did not arrive prior to 12 am on the due day. Really?! Any other creditor is happy to receive a large lump sum payment and would forgo the 12-hour time frame since it was sent priority mail! Well, Capital One, you just lost a long-term prompt paying client of 15-plus years. Bad business!

I asked Capital One to settle my debit because I have medical problems in my household. My husband has only been able to work 4 months this year and has had 2 surgeries .I wanted to pay half and to be done with them but they said no. It is only $1500.00 but I guess that must be someone's bonus this year. I understand it can't be done for everyone but I think in some cases it should be accepted. Well, nice job guys. You have another hater among the group.

In early September of 2011, I applied and was approved for a Cap One secured MasterCard in anticipation of a trip to Ireland. I had been told that I would receive the card prior to the trip (the only reason I'd opened it was that it's difficult to rent a car in Ireland with only a debit card). When it became clear that it would take considerably longer to receive the card than anticipated, I called to cancel the card prior to leaving for Ireland (prior to September 21st), and requested a refund of the $200 deposit and $29 annual fee, as I had been approved for an unsecured card through B of A.

This call was placed before even receiving a card in the mail; I never even had use of the card at all. I was assured that the account was closed as of that September date. Now, I'm being told that the account was not closed until October 9th. I had called on the 9th to check the status of the account closure that was to have happened in September, just to be sure all was going as planned, and that it takes two complete billing cycles, or 60 to 90 days, for refunds not counting processing and mailing time.

So, Cap One had no trouble taking my deposit with three days, but it could take as long as three months for me to get my money back, with multiple phone calls and inconvenience in the process. In other words, they hang on to consumers' funds as long as possible, and have use of those money during that time, while the consumer is left without use of their own money.

They now say that I will have my refund by December 30th 2011. We'll see. That is a full 2.5 months since I first requested the refund. I do not recommend anyone to deal with this company.

In 2004, I opened a Capital One business credit card. In 2008, I received fraud charges from Dubai. I called Capital One, and filled out and filed the necessary paperwork, and thought the account was closed. Capital One, along with every other credit card companies, sent several items that I threw in a drawer in my home office. I received a letter in 2009 that because I had short sold my home, my credit with them had been terminated. I knew I didn't have any credit with them. In May 2011, we went on a vacation to Jamaica. In June 2011, I received a bill from Capital One, with nearly $3,000 in charges. I did everything that Capital One asked, filed a protest and a police report. I told them that I did not have an account with them, and that my account had been closed in 2008. They claimed that I was sent the credit card, and since my daughter had fed my cats and watered the plants while on vacation, that I am responsible.

I have no debt, and have worked hard to have perfect credit. On July 27th, 2011, we were sent a letter that was claiming that they had received everything, and we had no liability. On November 29th 2011, Capital One sent a letter, and has now destroyed my credit. They have added charges, interest, and late fees. The claim from David ** was, conspiring to commit fraud with my daughter. We received this letter on Saturday, December 3rd, but unable to speak to anyone until December 5th, then December 6th, then December 7th, and today December 8th. They are sending my 30 year old daughter a letter of responsibility. This is so horrible. We have no proof that she did it, or who did it. The police won't help. We have never received a notice that they were going to negatively hurt our credit, nor did we receive any statement from Capital One, since we filed the fraud statement. I will never ever use Capital One for anything.

I will never open a Capital One secure credit card again! The first time I paid my bill, they are restricting my account! They keep saying I tried to pay with Sovereign Bank information. I paid with Wells Fargo Bank and have proof of the transaction on my statement. I told them I want to cancel the account now and the supervisor said I had to wait 15 to 20 days.

I applied and was accepted to have a credit card by Capital One. I tried to use the card to purchase an item at the local gas station for $7.84. The card was declined the very first time I used it, I had activated the card and everything. I called customer service at Capital One and they said the charge had been declined for fraud. This was the very first time I used the card.

They asked that I fax in all my information my drivers license, bank statement and everything. This was a time when I was in dire need of emergency funds, I was hurting for money so bad. They also told me that there was a $41.23 charge on my account that had gone through. I called them at least a dozen times and have tried to close the card. If I can't use the card what good is it? Well, I've been trying and trying to call them and they will not close the account until I pay for the balance on the account, which, mind you, is nothing I purchased.

Today, I finally broke down and paid $107 on the account. I have no recourse, bad credit or paying money I don't owe. Capital One people are thieves of the highest nature and should be avoided at all costs. I'm going to post this everywhere.

My wife and I needed to move from our current location and we owed considerably more than the value of our house. To protect our assets, we decided to file bankruptcy. In anticipation of filing, we contact Capital One to get two secured credit cards and sent a total of four thousand dollars.

Once we filed the bankruptcy, Capital One cancelled our cards. Even though the cards were secure and not included in the bankruptcy, they cancelled the cards. But the frustrating part was that they kept our money. They said they needed proof the card was not part of the bankruptcy. We sent proof. Then there was a supposed dispute of a charge that never was made; when we asked for proof, they said they could not send us information about it. Then they said we needed to send documentation. We sent it. We were actually on the phone with an agent who was telling us she could see the letters from our lawyer, but we needed to send one. Now they are saying they have a clause in the contract allowing them to hold our funds until the BK is discharged. However, my wife keeps everything and when she asked for where it was in the contract, they said they could not give us that information over the phone due to security and we would have to send in another form.

Remember this is our money, not theirs. So be really careful. My wife and I have decided to sue. We are meeting the lawyer Friday. However, I got to thinking this has to be their policy. Too many agents say the same thing. So they are in the habit of taking people's money. What I want to know is how many other people are out there that this has happened to and would it make sense (if there are enough people) to combine forces and jointly file a lawsuit?

Please let us know if this has happened to you.

I went on travel and reserved 1 night; the hotel put a hold on $296.06. That night they put through a charge for the room at $173.58. Cap One was supposed to put the difference, $123.48 back on my card right away. They didn't. I ended up staying 2 extra nights and put it on the card as I had $500 I could use on my card. The card rejected the last 2 nights after taking another $185.

I may bounce my rent as I had to pay $400 with another card. The hotel was paid by Cap One $482.01 but I still had to come up w an additional $400. As the hotel said they did not get paid.

My husband and I both have had employment issues due to the economy. I have never missed a payment on our Capital One card, just was a few days late paying. Our card balance went over the limit due to late payment fees. I started receiving numerous calls from Allied Interstate Collection for the total amount due on our card. I called Capital One to see why we were turned over to a collection agency even though I was making the minimum payments.

Low and behold, they would not talk to me directly but put me straight through to Allied. I told the lady I was making my payments on my card, so why were they calling me? She said I needed to make a payment of $38 to catch it up. I told her that payment was scheduled to be made on 12/9 (even though payment due date wasn't until 12/17)/ She said she knew that and could see that on the computer! So once again I asked why the ** were they calling? She couldn't answer that question, so I told her to never call me again or I would get them with harassment! Totally sick of Capital One!

After filing for a Divorce, I ran a credit report for myself and discovered that I had an account with Capital One. I called their general number and was put to a Credit Card Fraud Investigator and was told to not make any payments to them while they investigate my claim. They also took my new address from me. 60 days later, I received a late payment notice from them and was subsequently told that even though the account was in my name only it appeared to be opened by my soon to be ex-wife who used it to pay off one of her Credit Cards.

I complained that I was listed as a delinquent account and after verifying that my ex did open the account under my name and that I was responsible for the amount owed I paid off the entire amount $3500.00+ and closed the account. To date, I have negative credit ratings from them on all three Credit Rating Companies and despite literally hundreds of calls and assurances and promises that they will correct the issue and will fix my negative report. They have done nothing to help me out. I was last told to inform each of the 3 agencies of the issue and they will correct it and to date all 3 agencies are telling me that Capital One list me as a delinquent payer. If I could prosecute them I would.

Capital One recently took over one of my credit cards which was recently managed by Chase. After it got switched over, I set up the new online account and a payment account with my main bank account. However, since the switchover, Capital One has been taking auto-pay payments from another bank account of mine that I kept very few funds in because I stopped using it a long time ago, except very occasionally where I'll transfer money to that account for a specific purpose. I never provided Capital One with the account information for the account they were taking auto-pay payments from, and never set up auto-pay on either account.

The auto-pay payments come out even if I go to their website and pay the entire balance before the payment is due, meaning payments happen twice. Because of this, I currently have a credit. The auto-pay payments are showing up in my statements, but if you look at the payments I have set up they are not there, and if you look at the payment accounts I have set up, that account is not listed. I was unable to cancel from the website, so they are going to manually cancel it with a paper form. They will not reimburse me for the overdraft fees it caused.

I did not have the same auto-pay set up on Chase before the transition so I'm not sure why it's happening. It's possible that I did have it set up with Chase a long time ago, but I don't remember that, and definitely not at the time of transition.

I was paying for the payment protection plan for the card that I had since I worked in the automotive industry at a manufacturing plant. When laid off, I never used the card again. The payment protection plan was paid every month until I went back to work. When I returned to work I called Capitol One to get the balance owed and I was surprised that there was a huge amount that was left. I was at a zero percent when I was laid off and payment protection was in place. I called and spoke with Capitol One as to why the amount was so high but they did not know why. I asked the representative for the amount that had been paid by the payment protection plan but what was in the system did not show where the payments came from and did not have dates and the amounts that were paid. I was advised that Capitol One representative would remove 3 months of late fees and also the other fees that were applied during the payment protection plan and should not had would be removed. I made a payment with the representative and then I was transferred to a manager to find out what had taken place. The manager and I went over the information and advised me to contact the payment protection plan to get the dates of all of their payments and the amounts.

I did as the manager advised and called them. I was given all information and called Capitol One back to talk to the manager. The manager that I had spoken with was not available so I spoke with another manager that had gone through the notes to see what was going on. I told the manager that I had all the information they requested and we began the process of getting to the balance actually owed. After 2 weeks of working with them and building a spreadsheet with the managers, the balance that was owed was paid in full. 4 months after the payment, I received a bill by email with triple the amount that was ever owed and after calling and talking with the representatives, only to find out that they are not allowed to go back to see what happened. They are not allowed to take ownership of their actions on accounts and the amount that was paid in full is not accepted. The check was cashed stating paid in full with representative's initials on this check along with the spreadsheet sent in to verify the payment in full.

On December 29th, I was asked by a man I had only known for 4 weeks by the name of Jason **, if I would like to accompany him on a trip to Las Vegas. I said I did not have the financial means to make such a trip at the time. Jason said that he would take care of all the expenses made while on stated trip. The next day I received a phone call from the Jason stating that Travelocity booked our flights to land on the 31st of December, 2010, but our hotel stay was not booked till the 1st of January, 2011 (as shown on attached pages). Jason said he had the hotel receptionist from Aria on the line and asked me which room I would like to stay in on the night of December 31st 2010. When Jason went to pay for the room, his card was declined. Jason stated it was probably due to all the cancellations on his credit card from the reservations. I authorized the receptionist to charge my credit card, but only for the night of December 31st, 2010.

While in Vegas, Jason stated he wanted to get married. I did not want to get married and suggested we just got engaged, he agreed. On the way back to our hotel, the limo driver convinced Jason to head to the chapel and marry that night, January 3, 2011. I still disagreed. The limo driver then suggested just to head down to the courthouse and see what the process is. I did not want to go, but Jason agreed and we headed downtown to the court house. Jason brought me inside the court house and told me to fill out my paperwork as he began his. I looked at his paperwork which was partially incomplete and full of incorrect information. I also looked at this identification card and noticed the picture did not look like him. I continued to fill out my paperwork. He grabbed my paperwork and I assumed that they would not process our paperwork for Jason's paperwork was filled with fraudulent information. They processed the paperwork and handed back a marriage certificate. At that point, I fell into a state of shock.

The morning of January 4, 2011, we began our departure for Los Angeles. Frontier airlines would not give us a flight back claiming they had no recollection of our flight arrangements. Even with our itinerary as proof of purchase. Jason then took me to Hertz Rental Car. Since Jason did not have a valid drivers license, he told me to rent the car and he would pay for it when we got back to Los Angeles. Once in Los Angeles, Jason applied for an apartment in my name and in his alias, forging my signature on the application (as seen on attachments). While I was in the state of shock, Jason paid for the apartment by taking me with him to the bank, telling the banker I was his wife and we need to pull out $2,500 on my credit card. Jason also took the rental car keys and told me he had returned the rental car and it was paid for. Since it didn't see the transaction on my credit card. I suspected it was true.

On January 10th, I noticed I had been charged for both hotel reservations. I called Aria hotel and questioned why I was being charged for both reservations. They informed me that Jason's card had been declined and he had them put my credit card on file. I told Jason my card had been charged for all the hotel charges. He told me to log into my account and tried to make a payment of $3,667.12 which was reversed 10 days later. On the 12th of January 2011, Jason took me to living spaces and filled out paperwork, in my name, for the purchase of furniture. Making me sign for the agreements and charges stating he would pay for those charges with his bank account. On the 14th of January 2011, he tried to make a purchase with my card, which was declined, so he made two more payments: one on January 14th 2011 on the internet for the amount of $2,702.93, the second was made after I had called Capital One to cancel my card ,then took the phone went into the bathroom and tried to be added on as a authorized user and made another payment for $3,998.24 which also reversed seven days later. All I could do at that point is wait for my card to reach its maximum limit of $4,500.

On January 20th 2011, I had received a call from Hertz Rental Car stating that my rental had not been returned. After having endured enough abuse mentally, financially, and physically, I was able to come out of my state of shock and take action. I asked Jason to tell me the truth about who he really is and to tell me what happened to the car. He refused and threatened me, so I called the police for domestic violence (as seen in attachments). I filed a police report for identity theft. I also filed a report against Jason for fraud. I was told by the officer that I needed to contact my credit card company and have them press charges. I had got in touch with an agent at capital one named Lisa. I explained to her my situation and told her I needed her help. She assured me that everything would be fine and they would take care of it. February 2, 2011, I faxed her at 1-800-231-9598, all the information I had at the time. All the charges on my card were then credited. I continued to file my police reports and started my legal suit against Jason smith and the fraud he had done during the alleged marriage. Two days after the arrest of Jason Smith I found the rental car in the neighborhood. I took the car to Hertz Rental Car and reported it stolen.

Then on March 10,2011, all the fraudulent charges had been reversed back onto my card. Stating Capital One had found no fraud. My case had then been sent over to a supervisor agent by the name of Jamico. He had not contacted me for 4 months after my fraud had taken place. I then began to contact Capital One by electronic and physical letters. Not only did Capital One not assist me in getting justice, they had aided in making the fraud upon me worse by allowing over the limit spending, which I did not authorized violating the laws under the Credit Card Accountability Responsibility and Disclosure Act of 2009. Also Violating our own agreement as seen in the attachments . Capital One also failed to report my account as disputed to the three credit bureaus, violating the FDCPA section 807(8), causing my credit score to drop over 100 points putting me at financial risk.

8 months later, on August 30th, 2011, I finally received a judgment from the courts in Clark county in Las Vegas, Nevada, that my marriage is deemed annulled (I was never legally married) and all the charges made on my credit card by Jason Smith are fraud made upon me and responsibility of Jason Smith. On September 16th, 2011, I mailed my court order to Capital One and received no response.

Capital One is the worst credit card company, period! I attempted for years to get my account set up to auto debit the minimum payment. They have no process to do this online, like good credit card companies. Instead, you have to go through some mail response process that never seems to get completed. Then, if you miss your payment due date by as little as 5 days, they count you as past due and ding your internal credit score. Since they already have some of the highest interest charges, these dings only provide them with the fuel to raise your rate.

I have had 2 Capital One credit cards in 2002. I condensed them into one account a year or so later. At that time I was happy with Capital One. They would be more than happy to assist me. This summer, I saw a $50.00 promo to open an interest bearing savings, and when I talked to a representative for assistance, he suggested that I also open a money market account so I would be able to access funds immediately with an ATM card. Then I received a notice from Social Security requiring opening a direct deposit account as they are spotting checks. So I saw a $100.00 promo with Capital One to open a direct deposit checking account.

So I called, opened the checking account with the promo info, and got my new checking account number to give to Social Security to arrange direct deposit. When I saw that I did not receive the $50.00 promo for savings, I began sending messages through my online account (about 5 or 6 messages) until I finally got the real reason I did not qualify for the promo. I had a pre-existing account (credit card). When I realized that I had not received my ATM for my money market account, all they suggested was to cancel the one they claimed they sent and they would send another; I never received that one either!

Finally, the online checking account, they closed it. Please read my message to them, for whatever good it does. I found this page online looking for Capital One Corporation to lodge a complaint on their new business practices, but only found this. Yes, I notified them and I still have not received the second one! However, these last few months, I feel that I have been given the run-around.

This was the last message I sent them: I am disappointed with the recent events concerning all of my Capital One accounts. I had a Capital One credit card since 2002. I had a high interest rate (my daughter over charged my account a couple times) which I understand and I was in the hospital and missed a payment about a year ago (sorry), but I always pay significantly more than the minimum due. When I called to inquire if I could qualify for lower interest rate and/or an account with no annual fee, it was not offered. Therefore, I paid the account in full and closed it. When I opened the interest savings account (before I closed my credit card), I was under the impression of a $50.00 promo, again I was denied.

After several messages, I finally found out the real reasoning: denial was that I already had an account, my credit account. Now I opened a checking account for direct deposit for my Social Security check. I was also under the impression that I was to receive $100.00 promo for that. I received the notice from Social Security that they have made the adjustment to direct deposit to the Capital One checking account (which I had to open to get an account number to give them) and I notified Social Security immediately. (Well, I guess the government is slow.) Today, you tell me that you have closed my checking account because the deposit was not made before the 30 days from opening the account? I was supposed to have my Social Security on October 27th, 2011. So, what have you done with my government money, money that I am dependent on to live? When I opened and talked to your representative, I was not informed that you would only hold the checking account for 30 days. How am I supposed to live?

I get constant calls from them on my cell phone, daily at all hours. I don't pick up any longer; they don't leave a message. But the calls don't stop. There doesn't seem to be any way to stop it. Can you help me?

I notice my interest jumped from 13% to 22%. I have been an on-time and good customer. I have a balance of $2,364.38 and wanted to pay $1,000. The next day, I can lower my balance. I hope they let me. The interest for this year is $208.24. They were the ones who increased my limit to $1,500 and they would not lower it down. I asked to pay off the account because most of it was interest. They will not as of this time. I am sure if I even paid the balance this year, they would make excuses about something new.

Why is it that when a customer wants to pay off than let it go into credit department to be negative, they will not negotiate? I feel like they are in control of our credit for being good paying customers. Somebody help us and sue them. Do not get credit cards from Capital One. I rather have Bank of America because they treated me right when I paid my account and did not increase my limit without my permission. Shame on you Capital One! I hope your business goes down. I just put in $1,000. I hope to get it paid off as soon as possible. I'll never deal with them again!

The week of October 31, 2011, in response to an offer I received in the mail for a Capitol One Credit Card, I called the customer service line and applied for the card. I was told that I had been approved for $300. The representative went on and on about how this would be a wonderful opportunity for me to reestablish my credit. I received the card on the 8th of November, and called in to activate the card. Approximately 30 minutes later, I contacted "Comcast" to pay my cable bill on the card in the amount of $130.00. I was then told the card had been declined. I was outraged. I called back Capital One. After entering in my card number, I was transferred to the fraud department, where I was told there was suspected fraudulent activity on my card and my card was now suspended. This made absolutely no sense at all.

I contacted Capital One from the phone number associated with my account, and the "Comcast" bill I attempted to pay was in my name. There was nothing suspicious about the transaction, other than their decision to decline the card. I spoke with 4 different representatives on the 9th of November. I was told that I needed to send in a copy of my driver's license, utility bill, pay stub, as well as my credit card number in order for the suspension to be lifted. I considered taking care of this until I read complaints on this sight of the very same situation occurring with other customers. I contacted Capital One after reading the complaints, and said I wanted the card cancelled immediately. The representative told me if I cancel my card, it could affect my credit negatively. I told her I have not used the card so therefore it should not, and if they report anything negative to my credit report, I will sue them. She cancelled that card and indicated I would receive a letter in the mail indicating the account had been closed.

They are suing me for a credit card account of 4 years ago which they charged off by themselves as per credit report records and by exceeding their credit limit. Now, they are wanting a huge interest fees after being discharged and the debts are re-arranged. I cannot produce the agreement that I signed. It is a fraud on Capitol One. The processor who served me had over 300 in just my little town of Livingston, Texas

I just received my statement and my APR went from 7.9% to 14.9%. I've been a cardholder for three years and I've never been late and has always paid well over the minimum amount due. I called Capital One and was told that I was sent a letter in May of 2009 that my interest rate would be increasing October of this year 2011. I demanded that my interest rate be lowered and I was told that if I keep my account at the current status, I could lower the interest after three years. This bank is a joke!

Capital One restricted my account for no reason and without notifying me. After restriction and block; they put a long list of out-of-state charges to my account and changed my account. Customer service did not reply to my emails and representatives did not let me tell my story, cutting me off constantly and never transferred me to any supervisor. Chat did not offer more than a phone number for reporting fraud. Upon my several calls and report, the charges are still on my account with other charges the bank is not entitled to charge. I am stuck with long list of extra charges belonging to another person.

They are unwilling to listen and to help solve the problems by correcting errors made by the bank. They are refusing any communication with customer. It's an unfair treatment and illegally adding charges.

I can't say this has not happened to someone, but this month, Capitol One had someone come to my door and summoned me to come to court for a late bill, that I couldn't pay, over the last couple of years. Yes, I was working, but surviving and trying to keep a roof over your head is hard work! So I have grown to know now that Capitol One are a bunch of thugs.

How are you going to take me to court over a little debt, then gave someone permission to take my ID and get a card in my name? That's right folks, Capitol One gave a credit card to a false person who claimed they were me! I am looking into suing them. I need a great lawyer team, plus it seems here, I'm not the only one! I hope someone sees this and contacts me. They are messing with people's lives, and think they will get away with it!

I have had this credit card account for several years and elected to receive electronic statements. Then Capital One stopped emailing the statements, although I have made no changes to my account or email. Now, I set a reminder to log into Capital One to retrieve the monthly statement. My email inquiries to Capital One have not yielded useful help.

I have just received my statement from this credit card company and my APR went from 7.90% to 17.90%. My payments were not late. I was paying more than the minimum amount, and now I can't. They have changed the payment from $81.00 to $120.00. I don't think it is right to be treated like this.

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I received a call on a past due balance. I told him I have been laid off and don't have a date. He started name calling, so I hung up. He called me back 12 times in 20 minutes harassing me. I have all the calls in my call log. He violated (15 usc 1692d) 806(5)&806(2)

I want to prosecute this man! He has no right calling me names and harassing me.

About 8 years ago, I had a Capital One card. I had created a large balance, but under my limit, due to being unemployed for nearly a year. During this time, I missed getting a statement. I called Capital One and discovered I had a late charge. After much hassle, they removed it. I transferred my balance to a new card and closed the account. Recently, I began getting pre-approved applications. I sent them back asking they stop sending them due to my name on them and it being easy for someone to take a card in my name. They actually began to send more applications. I just discovered the offer to opt out of receiving mailings and signed up. I believe Capital One deliberately 'loses' statements so they can add late fees. I do not trust them.

A credit account I had for years was recently acquired by Capital One. I received a notification by mail along with a new card that stated Cap One was acquiring the account and I would receive my first bill shortly. The first bill never arrived and I had to go through several phone calls with the old creditor and Cap One to finally get access to my statement online. I paid the bill and two subsequent ones on time. That was July 2011. Today I received a call from Cap One's collection department asking for payment on a past due credit account. I had no idea what they were referring to and logged into my credit account online to see what was going on. Sure enough, I had made a few charges in August of 2011 that were never paid. In addition there were late fees and interest charges on the account for August, September and October.

I called them back right away and asked why I never received any statements from them over a three month period. We verified that they had the correct address and that no mail was returned to them. I told them I would pay the balance immediately minus all the service charges. The first and second time I spoke to someone they hung up on me when I mentioned not paying the service charges. On the third call attempt the rep insisted I signed up for e-statements and that was why I never received anything in the mail. This was as I was staring at my computer at my account online that stated I was signed up to receive paper statements. I argued with him and he just kept reading off his screen. He told me that several emails were sent to me in an attempt to contact me when the account was in arrears. I asked him why they didn't just pick up the phone like they did now that I was in collections? The rep eventually offered to take off one late payment charge but that was all he could do.

Then when I was about to make the payment he said that by agreeing to pay today over the phone I was agreeing that Capital One would not offer any more credits to my account for a 12 month period. I did not agree and questioned why they would even ask that? He tried his best not to answer my question. I paid the balance and then closed the account as I do not wish to have any further trouble with this company. He then had the nerve to ask why I was closing the account. He kept saying that maybe the post office was to blame. Maybe they are and I intend to investigate, but 3 pieces of snail mail and 3+ emails from the same company not coming to my attention is rather coincidental. I am so afraid that this is not the end of the story with them and they have probably messed up our excellent credit. I paid for unnecessary fees and now deal with a lower credit score and aggravation.

I have been a member of Capital One since 2003. I have always paid on time in full. They canceled my card yesterday without notice. I called and they said that it was a managerial call. They will not let me know exactly what I did wrong. Actually, the lady who I spoke with didn't know. She just said that I broke a rule. I am stunned. Anyway, my accountant thinks it's because I paid in full and they didn't make money on me. So now, I'm stuck transferring all my automated recurring bills to another card. Luckily, I wasn't on vacation or on a date or something. Has anyone experienced this? The moral of the story is when asked what's in your wallet, keep in mind that you might be surprised to find that it doesn't work and prepare for embarrassment. I had to pay cash and I wish Capital One bad luck forever.

I received a bill from Capital One in the amount of $141.74. I called a Capital One representative, and she was unable to help me. I had to go through 4 reps to try to resolve this problem with no luck. I paid my Capital One card off and closed the account about 3 years ago. I believe that someone has used my account number illegally for dental work. Capital One could not provide me with a contact number where this purchase was made. I have great credit, and I don't want to destroy my credit due to this problem. Can you help?

On October 15th, my wife and I went to our local Capital One branch to close our checking account that we had before the previous bank was purchased by Capital One.

All seem to go smoothly and my wife and I were reassured that there would be no issues. Come October 18th and I checked to see if the account had been closed, and lo and behold, money had been moved from the overdraft protection into the account. I called my wife who had to call the bank branch to get this problem resolved. As of the morning of October 19th, nothing has changed. Prior to this, my sister-in-law was able to deposit money into this same account after it was supposedly closed on the 15th. I had to go to the bank and get the money out and that took some doing as the branch manager had to intervene.

Last evening, Oct. 18th, I received a call from Maritz Research concerning my recent visit to Capital One. I did not sing any kudos nor did I offer any praise. As of this writing, I will be watching to see how long it takes Capital One to close this account. If it is not closed in the next few days, I do have friends in the government who I will call on to intervene.

I was under the assumption I had no annual fee. I paid it last year according to records, without knowing I paid. Today, checking my account history, there was no annual fee charge listed. If I hadn't searched for account activity, I wouldn't have discovered the charge. I will also note before the charge, my account was close to extending the limit. I couldn't find any information regarding my account details online and my statement shows a variable interest rate. They based my annual fee on what they felt was suitable for me as a lender, but didn't disclose that they have chosen something different as far as I was aware. It's even more bothering that I couldn't find this charge on my statement online. The $59 annual fee is $10 higher than any annual fee card they advertise.

Review policies governing credit cards and impose policies that force credit card companies to warn customers about any account charges, the month before the charges happen, on or before the monthly statement.

I had a card due to expire and so I had to call Capital One for a new card. Needless to say, I also moved notifying company four times to update my info so I'll get my statements on time. My card was due to expire Sept 2011. So I called first week of Sept 2011 to notify Capital One of card expiration and when will I be receiving a new card. I moved on July 2011, but in the same complex just different apartment.

I phoned my new info thrice and updated my new address online. Three weeks later, October 2011 bill still went to my old address and Capital One still had the old address in their system. I can't wait to pay my balance off so I can just deal with a new company. I think the problem is they hire foreigners to save a dollar and most of their clients are US citizens who speak straight English. And these people who answer phones, I never can understand what they are saying. It must be same for them, they can't understand what I am saying. Cheap ** Capital One!

I had a Capital One credit card about 7 years ago. I paid off the full balance and cancelled the account. I received no further statements. Around 6 or so months ago, I got a letter from a bill collector for this card, to the tune of over $900! They could not tell me why I owed this. I called Capital One, and they said they could not help me because it had been turned over to a debt collector. I have talked to another person from the collection agency, and it is over $1,000 now. They are still tacking on interest on an account that I paid off, closed, and heard nothing further on for over 6 years. I'm at a loss as to what to do about this, but I will not pay it. I have no credit cards now, nor will I ever again. They are all crooks.

Capital One payment protection plan is a major fraud. If companies like Capital one require credit reports for potential customers then customers should also be provided credit reports concerning companies. A company's credit report would explain why America's credit has dropped. They say we need to change our spending habits, but instead we should adopt a business credit report for financial institutions world-wide. Companies like Capital One won't be able to exist because of poor credit ratings along with these overseas scams that ship poorly made goods into this country illegally.

I have initially opened my Capital One credit card account with my tax-id number. After some time, I was eligible to get a Social Security Number and I started faxing my information to numerous banks, such as Bank of America, Chase Bank, and PNC Bank to update my SSN, including Capital One Bank. All the banks, except Capital One Bank has processed and made the necessary changes. Even though I have faxed Capital One the exact documents I have sent to others, they kept claiming the faxes were too dark to read. I have faxed my information for four times in the past 5 months, and they have not changed a thing. And they don't even call back, even though they say they will. And now, to add to my stress, they have restricted my account and I cannot make a payment. The due date is closing in and I am running out of options. They do not accept anything but faxes. I have asked them if I could go to a branch and show them the necessary documents to take off the restriction, but they said "no. "They are in my opinion the worst bank ever, very irresponsible, and unresponsive. They keep repeating the same answer over and over, and not creating any other options.

After speaking with multiple customer service representatives about never deducting from my bank account for payment, a deduction of $91 was taken and cleared from my bank account without my authorization. When trying to solve the situation through the payment investigation department, an agent said that the refund would be cleared within three days if I followed the procedure.

When three days passed and the money had not cleared, I called back. The next agent from the department said that the agent I spoke with before him did not follow procedure and messed up. It would now take up to fifteen days for the money to re-appear. I am finding him to be such a hassle to speak with and I ended the call. When I called back later to file a complaint, I was directed to an agent in the department who said that I should not worry, and that the paperwork had been handled and the money should clear by the following day.

Well, today is that day and I am still without my $91 refund. I called the company again and was directed to an agent who said that there is nothing they or I can do to expedite this process. When I asked for the phone number of his superior, he said that he do not have one. There is apparently no one higher in the chain of command than the customer service manager on duty. When I said that I did not believe him and would appreciate a phone call, he responded by saying that whoever I talk with isn't going to make my money come back any faster. He then assured me that all the representatives I spoke with will be dealt with accordingly.

I hope that they get more than just a slap on the wrist. These people are messing with hard-working American's financial freedom.

How dare you Capital One!

Capital One contacted me today to say they are reducing my business credit line by $1250. They indicated the change was immediate and that there is no appeal process. I use their card to purchase inventory for my business. I have never been late with a payment nor have I ever exceeded the credit limit. When I called to complain, they said that they review accounts every 6 months, and make adjustments as necessary based on creditworthiness. When I asked the representative why Capital One is poking around in my credit report every 6 months, they only said that this is "routine" procedure for them.

So let me get this straight, I have never missed a payment, pay far in excess of the minimum payment each month, and have never exceeded my credit limit. And this is the thanks I get from Capital One. I'll be paying off my account as quickly as possible and using a different card for business purchases. I think Peggy is now working at Capital One.

I paid my Capital One secured MasterCard bill 27 days early and my payment was posted and applied to my account ($200) in the morning, but then, it was rescinded later and I had $0 available balance. I called customer service and was told that it was because "secured" cards have a lot of fraud associated with them so they have to verify funds, which takes 7 days.

I have made bank to bank transfers to Capital One online. When I scheduled the transfer, they stated that the funds would be posted the next day, and it did. But they put a hold on my account. The transfer was done on 9/29 and was posted on 9/30. Today, 10/04, I checked my account and noticed that there are all kinds of fees for payments that I scheduled over the last couple of days. The fees are for "held funds fees," or insufficient funds. Are you kidding me? There is $2,000 in my account and they have placed a hold--they even dare charge me for the hold. I checked with my other account and the ACH transfer was completed on the 30th. I have been told that the Capital One is the modern Al Capone. But where are the regulations and the government?

On three separate occasions, my ex-husband has used my checking account information to pay his late car payment. In June, I contacted my bank of 35 years after the first incident. I explained to my bank what had happened. They took care of it without any hassle. They even apologized. I then made contact with Capital One after one hour. I finally got ahold of someone who I thought was going to help me. Boy, was I wrong? Of course, I was told everything I wanted to hear. They explained that my account would not be charged again, and that I needed the account holder to contact them to have my account info removed. I went on to explain that I did not know the whereabouts of my ex. Needless to say, it has happened two additional times since. I was forced to file a police report, close my bank account, and wait 45 days for $2100.00. I never once spoke with the same person. Never once did anyone ever apologize. Never once did anyone ever offer to assist me. But lo and behold, they had no issue debiting my account and taking my money. My bank has since taken excellent care of me. At this time, I still do not feel safe with shady businesses like Capital One in our midst. My name was never even on the account nor the loan.

13 years with Capitol One. I took the offer of balance transfer at 3.99% for 12 months and trusted that it was done. 3 months later, I checked the statement and I am getting charged at 17.9%! I Called them and they said no offer like that was ever made. They would not do anything to correct the problem. Capitol One is over as far as I am concerned. I guess 13 years as a good customer means nothing these days. Well, same goes here. Capitol One will never get business from me again and I will tell everyone I know not to trust them. They are crooks. Do not accept balance transfer offers from them, you will get scammed.

I have never had a credit card with Capital One. This year, I have received three statements from them. After opening up these mailings marked "statement," it appears to be a bill for over $5,000 with charges that have been accumulating at 28% interest in addition to late fees for years. There is no information concerning what this charge has been applied to. It is simply a bill that this company, this year, decided to send to me. I have been living at this address since 2005. I didn't receive any statements from this company in 2005, 2006, 2007, 2008, 2009, or 2010. However, they appear to have been charging late fees and interest for years to a charge or charges that they aren't even willing to identify. Again, I have never applied for a Capitol One card. This is piracy as far as I am concerned.

I signed up for "Match My Miles" program with Capital One Venture card. Back in March, I submitted all the necessary paperwork. I called to confirm they received it, and asked when the miles would be posted. They stated six weeks. I called a couple of months later, and they told me to be patient because it was coming. In August, I called, and they told me that I had been denied, as I did not submit the proper paperwork. I challenged the person; they went and checked. They found my submission, and felt that it was all there, and they would re-submit for approval.

End of September, still no miles card; I called again. They told me that I was denied and that what I submitted did not show miles, which was a blatant lie. I told them to send back to me what I submitted (it was electronic); they told me that they did not have it anymore, and there was nothing they could do. I asked them why they did not call me, since I was clearly contesting it in early August. No response. I feel scammed by Capital One; they sucked me, and then changed the rules.

Capital One has very poor consumer service. Last April 11, 2011, I had paid my credit card account in full but I am still receiving emails stating payment is due. I have been on the phone with them for hours and was not able to resolve the problem. I have always paid on time and late charges are still added to my account for no reason. This credit card company is a joke. I feel that a major law suit should target this company. I will no longer have anything to do with them.

I have a loan agreement with a loan balance of $583.00 and there is $1,527 balance of late charges and fees accessed. My contract was for 60 months and paid all of it except for the above. However, Capital One has sent my account to NCO Financial to collect additional charges of interest, which will not be interest upon interest. Is this legal?

I have 3 credit cards with Capital One. I pay my bills online with my bank. One of my credit cards did not have an account number on it for the 3 months I was paying from my bank on that account.

When Capitol One received the check with no account number, they just applied it wherever they wanted (other 2 cards showed payments for that month) They did not apply the payment where it was obvious, since the other 2 had been paid.

Capital One has been calling my cell phone for two solid months at least six times a day. This is pure harassment! My husband and I are not going to tolerate this much longer. Something needs to be done. What is wrong with these people?! I do have an account with them. I missed a payment by mistake and have paid them. So, why are they still calling, and why so many times a day? This is unreal!

This is regarding their automatic payment services. I received a letter dated September 9, 2011, requesting for my check with pre-printed name and et cetera from Capital One! I have no checking account; thus, no checks. I had the bank place and my account information on the service acceptance form which I signed and mailed in the envelope supplied by Capital One. I have now received your letter suggesting the information was not sufficient. What happened to the information that I submitted with my account number and et cetera? Please, tell me exactly what Capital One needs from me to accomplish this task. I deposit my money through direct deposit, and I would like to pay my bills the same way.

Capital One keeps updating their Web Page and every time I try to make a transfer from one checking account to another, I can't just click onto online banking and enter my information. It used to be so simple and now it is the most complicated system that is trying to get you to sign up for a credit card (which I already have). Please have a simple Capital One Transaction online banking window.

I applied for Capitol One credit card. I was approved and I received a letter telling me about the card terms of service, but I did not receive a card. I have read the complaints here and I see this has happened to others where there had been an account opened and the charges added up with interest. I am afraid this may happen to me. What I am afraid to call is to find out if there is an account open or put up a red flag to start an account. I know it is illegal to open an account without authorization, but it seems a common practice with them. What would be your recommendation on this?

I received my Visa monthly statement on 9/15/11. It showed my payment in full for $189.20 was received on September 5, 2011. I always pay the full balance down to $0. It also showed a past due fee dated September 3rd, 2011 of $25, plus additional interest on the $189.20 of $3.06. My payment due date was September 3rd. I inquired about the late fee and additional interest. I was told my payment was due on the 3rd of September and they did not receive my payment until the 5th of September. I then explained that it would have been impossible for them to receive my payment on the 5th of September. That was Labor Day and there is no US mail pick up or delivery. I then explained that it was also impossible to receive my payment on the 4th of September. That was a Sunday and there is no US mail pick up or delivery.

Miriam insisted that they received my payment on September 5th, Labor Day. I insisted that that was impossible because there was no mail delivery on the 4th, Sunday, or the 5th, Monday, a national holiday. I insisted that she explain to me how this was possible. She then relented and said that my payment was probably received on September 3rd, the due date, but after 4pm, making it late according to them. I then carefully reviewed the front and back of my statement. I looked for a "cutoff time" with relation to a payment's due date and could find none. With no "cutoff time" stated, I believe I had up until 11:59 pm on September 3rd, the due date, to consider my payment received on time. Miriam then decided it was an honest mistake and said they would credit the $25 late fee. I do not yet know if the $3.06 in additional interest will be credited also. Miriam was polite. But her arguments, on behalf of Capital One, were hollow, time consuming, and frustrating.

Is everyone aware that Capital One Bank is no longer cashing checks?! Cashing checks! That seems pretty close to being at the top of the list of things a financial institution is supposed to do! I do not have any loans, credit cards, etc. The only thing I really use my bank for is cashing and depositing checks, and for them to no longer cash checks means I no longer need them as my bank. I'm waiting for the day they stop having checking and savings accounts, which I'm sure will be any time now. I also bank at a local credit union, who I will use full time now. The credit union offers me cashier's checks for free, at CapOne they are $10 each. When I go to my credit union, I drive through the window and tell them I need $20 from my checking account. They hand me $20, I go about my merry way. At CapOne I have to fill out all kinds of paperwork, sign here, sign there, it's crazy. Also, good luck trying to figure out your balance, because they don't give it to you. My credit union puts my balance on everything. Capital One is the absolute worst bank I have ever, ever dealt with.

I got a car note from Capital One, in Oct 2010. I have never been late on a car note. In August of 2011, I was able to pay all of my car note, except $130.00. I received a call from a Capital One representative, at the end of August. He said that he could schedule a payment, on September 12, 2011. I told him not to do this. I advised him that I would schedule my own payment because I didn't get paid till September 15, 2011. He said that the furthest he could take the payment out was September 13, 2011. I explained again, that I didn't get paid till September 15, 2011 and I would schedule the payment on my own.

I scheduled a payment on September 7, 2011 on the web for $130.00 to come from an outside bank account, on September 15, 2011. I voided the transaction on September 12, 2011 via the web. I also set another transaction via the web for $130.00 but cancelled it September 13, 2011. Capital One went into my SunTrust bank account and took an unauthorized $130.00 payment out, costing me $108.00 in fees.

I called and spoke to Paul **, manager of the car loan department, who was rude, cocky snd very un-willing to resolve my issue. I explained to him the issue and advised that I had never been late on my car note. He said that he saw that but I must have scheduled the payment or someone that I gave access to my web information. I advised him that no one else had my web information and that I didn't schedule a payment for September 12. I also reminded him of the representative that was trying to schedule a payment for that day and he said that he didn't do it. However, I am aware that the representatives do get a bonus structure for collecting payments. I asked Paul if there was another department or manager I could speak with to dispute this and he told me he was the top person and that there was nothing that he could do.

I sent them a large monthly payment via USPS four days before it was due. I then watch online to make sure that my account gets credited for the payment but ten days after it was due, I still have not seen it credited to my account. I called them and they assured me that they have not received it.

My account is now overdue, suspended and has been sent to the collection agency. I have to argue with them that I am not late as I paid extra this month and what I sent four days before the due date was an extra payment but not needed to keep my account in good standing. I was told by the Capital One person that the payment did not count and that they could refund my late fee but that was it. I start getting calls from the collection agency as to when I can make a payment and when I tried to explain to them that I am not late and that I have made my payment and should not be getting these harassing calls, they doubled the number I am receiving. The following month, I have to pay "extra" to bring my account into good standing. To this point, there is no reason that it should have not been in good standing. I called them every week to see if they have received the payment and I am told over and over that they cannot give me that information because my account is not in good standing.

I filed a Money Order inquiry with the USPS and they were able to tell me that the payment was deposited in Capital One's bank account three days after I mailed it to them. So I called them and they tell me that they do not know what I am talking about. After being on the phone with Capital One for one hour, to their surprise, they have received my payment but for the last 52 days they have told me they do not have it. This is 52 days that Capital One has had my payment and not credited my account for it. They sent my account to the collection agency and informed me that my interest rate will go up. They harassed me with collection calls and put wrong information on my credit history that will negatively affect my credit score and they lied to me about not having my payment. They were only able to find it after I assured them I had a copy of the cancelled money order and were going to credit my account for it.

I am thankful that I will be getting credit for the payment I sent them but what about the rest; harassing phone calls, bad credit history, lower credit scores, lying, and not accepting the payment that was made earlier in the month. When does Capital One have to be held liable for their actions and those of the employees that work for them?

I responded to an offer by mail to receive a Venture Card from Capital One, which would match points from any other credit card. I sent the information 3-30-2011, by fax, email and USPS. I was told numerous times that I would receive the matching miles. One person read from my fax. Now, they are telling me that they did not receive the info until 5-26-2011. They are liars and cheats.

On March 10, 2011, I sent their credit cards back. On March 3, I made a payment of $30.00. On March 17, I paid $300.00 and on April 2011, I paid $37 which paid off this debt. Well, they said that they never received the $300.00. I went to Garnett State Savings Bank and they typed a letter showing that they were paid. Linn ** typed the letter. It was mailed to them on August 2011.

I have a car financed by Capital One in 2006. Due to the economy, I have had late payments. Initially, I was charged 5% for the late payment fee. I currently have a payoff date of Feb 2012. The problem is since midyear of 2010 Capital One has doubled the late payment fee to match the payment. So every month, I am charged the payment plus the late fees that is equivalent to an amount double the payment.

I have tried to speak with customer service to straighten this out, but I have been consistently told that a supervisor will tell me the same thing. I still owe double the payment for late fees. How can this be every month? In May 2011, I made a payment of over $2000.00 in an effort to bring my loan current. The next month there was still the payment and charges for late fees of $1300.00, and this continues every month even if I make a payment within the month (but sometimes past the due date). I have 5 more payments on my vehicle. I feel powerless against this company because no one there would listen or attempt to help with this.

I noticed another consumer was charged double late fees each month. Is this a fair practice? I requested my payment record and it was sent by the company but difficult to read, as well as my initial contract of purchase. Can anyone help me with this?

My husband and I both applied for Capital One "no hassle" credit cards. We were thinking they'd be convenient and easy to use. The very first month, our bills arrived in the mail (with no delay by the post office) just one day short of the "due date" for payment! Although we mailed our payment the same day, we were charged late fees! We contacted the company to complain and ask why our bills were not mailed to us until it was already too late for us to timely pay. We were told that the company "does not take responsibility "for the timing of [its own] billing". And they refused to cancel the late charges! To boot, the representative with whom I spoke to cautioned that it will be best if we just "ate" the amount of the late fees in order to retain our good credit. It was because the matter was already "out of Capital One's hands", and was automatically "turned over to collection agencies"! Thus, after a grand total of 6 weeks as Capital One cardholders, we canceled our credit cards from this mismanaged, irresponsible, and unprofessional company. And we vowed never to do business with Capital One again.

This company deserves no stars. I got a credit card with them when I was 19. I kept it paid on time and paid extra every month for that account security they have. Supposedly when you have the account security, if you have financial hardship or lose your job or anything, they will hold off your payments without charging you interest for up to one year. I lived with my parents and they decided to move out of state. I obviously had to leave my job, and when I moved, I began attending school because I could not find a job. Capital One started calling me multiple times per day.

I had already called and explained to them that I was looking for a new job and I would like to use my account security until I found something. They never processed my request and continued harassing me. A few months later, I get a letter in the mail stating I was sued in New York. I was never served, I never even knew I was being sued. They sued me for over $800, but the balance on my credit card was less than $150. Their account security is a bunch of **! They charged me hundreds of dollars in fees when their contract states they wouldn't. I recommend any credit card except Capital One. They will royally ** you. I Googled what happened to me and you should read some of the horror stories from people who have dealt with these heathens.

I called the Capital One customer service line to complain why they still charge me for the fee and interest. I was not happy. They transferred me to the manager, but they put me on hold for fifteen minutes. I said hello so many times, and nobody answered. I only heard the customer service representative talking with somebody else. This is the worst customer service I ever had. I called again, and they still cannot help me at all even the manager also. I recommend to all customers who want to apply for a credit card from Capital One, please say," no" or you will regret!

My husband applied for a Capital One and was denied even if he has the best credit rating possible. We asked them why they refused him. They said we don't know and you will have to wait for the letter. We received the letter and it does not disclose why and says to call the credit bureau.

We called both in Canada TransUnion, Canada and Equifax. They said we can't tell you why you were refused. There is no reason for you to be refused when your credit is excellent. I called them back and stated what was said and they said we don't know.

I will put it in plain English why these scammers didn't give him a card. Because he pays his bills every month in full, there will be no room for interest. They are truly a disgusting company trying to screw people as much as they can. Going through some of these reviews proves that. Watch Michael **'s documentary. Capital One bank and Chase are out to put you in debt, no doubt.

My 2 year old son was going into the hospital for surgery, so I decided to send my payment in a little early. They then said that I didn't pay them for August and charged me late fees. I called them and told them what happened and they took the late fee and interest off. I went to pay my September bill and it still said I was past due and had twice the minimum payment as usual. They never switched the July payment to August. When I called about this, they said that they could not do anything and I was going to have to pay double the amount. I could not talk to a district manager and my problem would not be passed on higher.

Early today, I had sent in my normal payment for September of $25. When I found out about all of this and called them, their response to me was that I needed to make arrangements to pay them another $25 in two days or they would charge me late fees and make my minimum payment three times as much.

In the hurricane this week, I had a tree go through my car and my other car caught on fire from a down power line. I cannot afford to be paying more than I should normally have had to because I have been running my sons medical devices 24/7 for the last week with a generator. After they told me I could not speak with another manager, I asked them if they could relay my situation to their bosses and get back to me but they refused. Every person I dealt with told me that they understood what had happened and that due to a glitch in their computer system, there wasn't a thing they could do. Meanwhile, I pay for the emergency protection. Not one person I talked to mentioned to me that I can use that (not that I ever should have had to). Finally, I remembered it and mentioned it to them, and they said that would be the only thing I could do to fix the problem.

They then thanked me but not before they looked through my 3 year history with them and noted that I had never missed a payment but with the exception of July-September of this year and had always paid way more than the minimum and had even paid it off fully three or four times. They told me I was one of their more valued customers - valued my **!

They have the worst customer service ever. My husband and I have this card for emergencies when our son needs to go to the hospital (he is disabled), and we have decided to pay it completely and close it. We were also in the process of getting an auto loan with them. None of these things are happening now! I will never use Capital One for anything ever again. Do yourself a favor and don't use this fraudulent company. They will take advantage of you no matter what. Oh and also, on a side note, they outsource their customer service to India so none of the representatives speak English very well. I am truly disappointed in this company.

I made an online purchase of a TV for $1,300.00 and what had arrived was a $1.50 Pinky Ring. Yes, a pinky ring! I attempted to contact the merchant but they would not respond so I filed a fraudulent complaint with Capital One.

Capital One sent me some documentation to fill out and send back, which described the transaction. I sent this documentation via registered mail with the USPS and received a signature of receipt from Capital One. Capital One credited my account and made contact with the merchant who supplied a tracking number showing that I had received the TV and thus again, sent me some paperwork to fill out. I again filled it out and sent it back to Capital One, registered, and again, received a signature receipt.

After 3 weeks, I received a letter from Capital One stating that they were going to put the charges back on my card because I had not sent in the paperwork, so I called Capital One and informed them that I did and had a signed receipt of such. So, the Capital One representative again sent me some paperwork and stated that this would be processed because of my signed receipt and that something must have happened to it after it was delivered. So once again, I mailed in the paperwork to the address indicated on the letters received from Capital One and again, sent it registered for signature.

After another 3 weeks, I called Capital One to inquire why the charge was still on my card. They again said that they had not received the paperwork. I was pretty upset at this point and they again asked me to resend them. So, I made copies of what was previously sent and also took pictures of the Pinky Ring and the envelope with the tracking number from the merchant so as to show what was received and how it was packaged when received. The envelope was approximately 6x4 inches and physically impossible to hold a 73" TV.

Again, Capital One sent a letter stating that they were closing the case. So again, I made another call, only this time to find out that Capital One had transferred this case from the Fraud Department to the Dispute Department way back when the merchant was contacted, but they never told me this in any of their written or verbal communications and all of their written communications had the same return address as that of which I was sending.

So, at this point, Capital One told me that I must send it to their Dispute Department. I asked them why they did not transfer all correspondence when they transferred the case and they stated that they don't have an internal transfer (yet they transferred their case internally). I also explained that I had spent over $100.00 in registered mailings and expected them to reimburse this or, at minimum pay, for the next mailing since it was their mistake. They refused and I told Capital One that I would not send the paperwork again unless they did pay for it and that if they did not remove the cost of the TV, I would stop making payments on my credit card. They stated that this would just mess up my credit.

I continued to use my credit card and called them 2 more times to try and resolve this issue. When I saw that they did not remove it on subsequent bills, I stopped making payments with a balance of just under $5,000.00. I figured that if they were going to hold me hostage for $1,300.00, then I was just as fair holding them for $5,000.00, especially since I was not the one who violated our contract.

Capital One and the collection agencies that they have assigned to have contacted repeatedly and I had always maintained that once Capital One fixed their mistake (repaired my credit and sent a letter of such to me and those who have run my credit report), I would pay the balance that I owed at the time that I stopped payments and that I would not pay the interest on the $1,300.00 nor would I pay interest on the balance from the date that I canceled the card.

I then made contact with the 3 major credit reporting agencies to dispute the negative report by Capital One, only to find that I am only allowed 100 words to explain. This is in no way possible and the people requesting credit information don't even care. They see a score and that is all they care about. They don't even ask me to explain in person or mail a copy of all of the documentation, which I still have to this day.

I had a Capital One account. I paid off the full balance and discontinued the account because they weren't crediting my account. I have the cancelled checks proving so. Later, after several attempts to clear this with them, all failed. This all started in 2006 and then in October of 2010, I received summons and appeared in court. It was set for trial and the court dismissed the case in my favor.

I continue, to this day over a year later, receiving billing for the same thing. I have made several other attempts to clear the matter providing the court order, and they still harass me. I've tried to get the best credit rating possible and Capitol One remains slandering my credit score with their refusal to accept the facts.

Today, I have received another bill and I am currently on the phone holding for two hours and fifteen minutes but no one has answered yet! I get the same thing from them all the time. I've even contacted Corporate office and get the same thing. With the continuance of Capitol One's refusal to take me off their collection list despite the court order, I was unable to make very important financial measures crucial to my prosperity and well-being. I am unable to make critical health repairs that were needed and seemingly to be so, in the future.

Capital One approved my credit, sent me a card and I went to use it and it was declined. What a joke!

They have the poorest customer service I have ever encountered. I have had to call these people more than 5 times to change the account info. They still have not changed it!

Most recently, on August of 2011, my Capital One card was charged a Payment Protection "fee" or "charge" by Capital One without my authorization. I watch my transactions online but not regularly, and they only show the last 5 or so by default when you log in online.

One time, when I was checking my account, I noticed a small charge for $4.22. I believe it was or something really small like $4.00. I called and told them I never authorized it. The customer service told me it was authorized over the phone. I stated I have never called Capital One ever. I wanted it removed. She stated that this was the first time that a customer disputed the fact that it was unauthorized. I was shocked.

These are tactics they teach their people to try and ride some guilt on them. I said, well I never had my own credit card company put unauthorized charges on my card. I also told her that I read about the class action suit against Capital One that proved that they customarily did this sort of thing on a regular basis. I also told her I pay it off every month or all but $100. Why would I need it? I only use it sparingly. She came back and told me it was removed - all $40.00 of charges! $400.00? What? I thanked her, hung up, and went back into my transaction history.

Yes, small charges here and there - $3.10, $1.88, $2.67 for about a year, I'm guessing. I'm embarrassed, and now, I check my history 3 times a week and I'm going to have to cancel out the card soon because I don't do business with liars and cheats.

Recently, I applied for an auto loan. The loan was quickly approved. After reviewing the loan, I noticed my Equifax credit score was 688. This was odd. I pulled my credit score from Equifax and it was 745. I called Capitol one and they could/would not explain the difference. I also sent several emails. I checked all three of my FICO scores (765, 745, 745). I have all the documentation and my credit score that I pulled.

They no longer let you use your credit card at the gas pump, unless you are in your home state. For other merchants, when they are handed the card (and thus can check the signature on the back), it will be the merchant who is liable if it's a stolen card or unauthorized charge. But when the card is swiped at the pump, it's the card issuing bank that will be liable. So, the bank is no longer willing to let the card be swiped at the pump if there is any risk at all. If you are 150 or 200 miles from home, they view that as too risky. So, they flag it and won't let you use the card at the pump. You need to go inside so the bank can't be liable.

I received a promotion of 0% interest on purchases and balance transfers for 12 months. They were charging me interest and said those were not the terms they agreed to. I transferred balances from a 7.9 and a 12.24 to get the payment down. They charged me the 4% to transfer and now, 19.94%. This was not the promotion I got in the mail and I would have never agreed to pay a fee and to pay a higher interest rate. I have called and they said they have to go by what the computer says and they cannot help me.

We are in the midst of Hurricane Irene. We called capital one and asked for an extension in our credit for emergency provisions and to gas up our cars. We were told we were approved, told them the store we were going to use and the gas station.

We went to gas up the cars and the card was declined. We called after the second time and was told that because we exceeded our credit limit, we weren't getting the approval. I said we did get approved, I just went to get food rations and medical supplies, but was at the gas station trying to gas up before Irene gets here. They said, "No ma'am, you just went to several stores." I said no, we left Walmart and came to the gas station. She said, "Well, we will put fraud alert out and cancel your card and send you a new one." I kept explaining we were trying to get the cars gassed up to leave if the flood waters came to us or had to leave our home. She said they were sorry, they couldn't extend it.

I was so upset and worried knowing the consequences of a hurricane, especially considering we pay our bills on time and always either pay them off or overpay. I asked them, "So you are telling me that Capital One doesn't want to help their customers in emergency situations like this?" She said nothing!

We decided Capital One isn't for us anymore and pray we will be able to survive the hurricane.

I had purchased the payment protection plan. When I lost my job, I called Capitol One to notify them that I would need to use the payment protection plan; they said okay. It wasn't until 6 months later that I was six months in default and my cards had been canceled. Since then, my credit has been destroyed because of Capital One. I am still trying to get them removed from my credit along with all the additional late fees and charges.

I received info in the mail from Capital One encouraging me to finance a car with them. Even with my father co-signing, and with more than sufficient income and my credit score being above 600, they declined at the last moment (8:30PM). After speaking with the auto dealership that the loan was a go, I went easily with another finance company of great respect with a much lower interest rate. Shame on you Capital One!

I asked this Branch Manager Dozier whether this is a higher interest rate than my current interest online plus account. The Branch Manager told me another account type, Simple Savings, at that time offers a higher rate. Then he opened that account for me, of course, by my request. However, the next thing he offered was unsolicited "help"; asking me to authorize balance transfer without mentioning anything about wire transfer fee! Later, I called that guy and he told me, "Don't worry, you won't be charged". However, I was still charged wire transfer fee. This is not the end of the story: I found the APY rate was not what he told me, this really pissed me off. How dare he lie to a custom like this! I have his name card with his handwriting on it showing the discrepancy. I have further evidence if required.

I received an email saying that we had a very important message from CapitalOne. Since I am always leery of any email about any of my financial business, I went to CapitalOne's website. Much to my surprise, I found that they had lowered our credit limit to within $350 of what my balance was on one of our cards. This card had not been used since February 2011 and the payments have never been late in eleven years and more than the minimum amount was always paid.

We were told that it was because of too many revolving credit accounts, one of which they gave us less than a year ago and one that has a zero balance plus we have a cash balance on their card. The cash balance is around $1,000 and was taken out due to an emergency illness in the family. We told them to just close both accounts as they now make it appear that we maxed out a credit card on our credit report. We were told that they will only close these accounts when there is a zero balance on the cards.

How can they refuse to close an account? To rub salt in the wound, their customer service supervisor seemed to think it was funny that we were upset over this. It was a nice way to treat a long-term customer!

On January, my dad got his new car and my brother told them to use his bank account until my dad opens one for the car payments. Well, they took out the money for the car on February and before the next payment that was due on March, my brother stop the payment and my dad called Capital One and told them and gave them the new account. They used the new account to take out the payment for March. Then on April, that's were they mess everything up.

After me and my dad called them a bunch of times telling them about the accounts and gave the new account number, they still were trying to take out money from my brother's account and making my dad's car payments late. After supposedly they were not able to get any payments for March, I send it over the bank's website. But the week after that when I check the bank statement, they did took out the payment and right after that they receive the other payment I made over the bank's website. They had two payments and they still kept calling and harassing my dad and sending letters saying the payments are overdue. Their website kept telling us the payments were paid and the next one was for June.

Well after all that, I called again because they kept calling five times in a day, everyday. They were being very rude over the phone when it was their mistake. When I called last month on July, I had to talk to four different people; none of them knew anything. They told me that all this was happening because we made a stop payment on the account. When I ask the account number, they gave me my brother's account number. They were still using the old account and not the new one.

That's how unprofessional they are. I gave them the whole information again and had to beg them to stop using the other account. Well, we thought they would do things right this time but they didn't and the day after that, they called again saying that they still weren't able to take out the payment because the account has a stop payment. Are they serious? After a few phone calls and talking to many different people, they finally got it right. But they keep trying to take out money from the account before the payments were due. Now my dad has to pay overdraft fees on top of the fees they charged because of insufficient funds.

What can we do to make this people stop calling and harassing my dad and for them to start doing their job right and learn how to communicate to each other?

On June 27th 2011, I was informed by Capitol One that if I had a complaint with them to fax information to Capitol One P.O. Box 30285 Salt Lake City, Utah 84130. Apparently this was incorrect. I spoke with Kristina, the Travel Specialist, who was very helpful and she gave me the above address if I had a complaint. I forwarded a faxed copy on August 3rd 2011.

Short story of the situation: I booked Westin Hotel in Chicago, which was recommended on their travel site, for Saturday June 25th 2011 and had a situation that was not favorable. Check in should have been 3 but did not get checked in until 7. Westin made good on their part. I had to use 37,000 points to book this hotel. Capitol One was going to only reimburse me back 1,500 points which I felt was unreasonable, therefore my writing to you. By checking out my history to Capitol One, I spend quite a bit on this card and will, if this cannot be resolved, cancel my card. I feel that I am entitled to a significant amount of points to be put back into my rewards since they had recommended the hotel to me.

I would like to hear back from someone at Capitol One that they received my paperwork which was resent to them, via regular mail, August 3rd which to date has no acknowledgement and I would like more reward points added back to my reward account.

On the second Sunday in August 2011, I went into the bank, as the daughter-in-law of Mr. Henry **. I had a notarized singed document called a "Durable Power of Attorney and the NYS addendum, filled out as best as Mr. Henry could do; he was in the hospital dying of cancer. It was his wish that I take care of some banking for him. I was not withdrawing any money just changing some accounts but the bank would not honor the document because I was not a blood relative. It states in the document that I do not have to be. This was the first incident with this bank and this banker Joan **.

My father-in-law came out of the hospital, and had to be taken to the bank with oxygen and take care of this. This extra stress on him could have been averted had they honored a legal document. On August 17th 2011, my father in law passed away.

Prior to his demise, he made a bank account that had my husband listed as his beneficiary, my husband went to the bank on Sunday, August 21st to claim his funds. He had a NYS drivers license, his social security card, birth certificate, and the death certificate. The same woman, Joan ** who knew my face from the previous encounter, and saw my brother-in-law come in a half hour earlier, saw us there and knew why we were there. She also knew my father-in-law.

We waited one hour for service, there was only one person helping people, and she was it. We sat down, she gave my husband her condolence and never even looked at me (plain rude, he was my father-in-law for 25 years). She tried to get him to open an account and he said that he would like a check. She finally agreed to give a check and said that she would be back in a minute.

She then came back and said that there is a problem; we need a letter from the bank for signature verification. It's a new law and she was on vacation the prior week and didn't know about the law. My husband sat there dumbfounded. I, however, could believe the treatment because that is what they did to me, two weeks earlier.

We live in Staten Island and made two trips specifically for banking purposes to this branch, in Brooklyn, NY (#814, I believe). So, after all of what we had been going through the past month, the recent loss of my husband's father, we waited over an hour for bank service, then we had to leave without our transactions completed. My husband had a valid NYS drivers license with him and the death certificate, and his social security card and his own birth certificate. I also showed them checks from our checking account with Citibank and they said that it is not good enough. My husband's name is on the check with our home address, which can also be confirmed on his driver's license.

This bank branch is deplorable. I am asking that you please look into the dealings of this branch and what they are doing to people. For us to be treated in such a manner, after what we just suffered, was horrible especially with all the documentation that was provided. There was no reason for it and I believe they were breaking the law by not giving my husband his money that was rightfully his.

Please look into this matter for us. I would never want something like this to happen to another family. I sincerely appreciate your time into this matter.

My husband applied for a business card and was given one last year. However, it had such a ridiculously low limit so he called and canceled it even after they offered to raise it for another $200.

Today, August 18, 2011, he gets a "Past Due" notice on that very account so he called and tried to explain the situation. But all they kept asking him was if he wanted to make a payment. He asked them what was the charge amount for and they told him that it was two years of annual cardholder fees! Two years? When he canceled and never activated it?

We are still fighting with them over this. Who knows what will happen? They will probably win.

They are harassing me. I receive phone calls 3-5 times daily. They are looking for a Patricia. The calls have been going on since I purchased this phone on 08-11-11. Each time I have called back, the supervisors and agents that answer have assured me that the number would be removed. Then an hour later, I get another call and the process continues. I am tired of these calls. If they do not stop, I will seek attorney representation for harassment.

I received a credit card with a 300 dollar limit. I needed this card for the sole and timely purpose of purchasing a plane ticket back to NY to see my doctor for a medical emergency. I received the card in time to make the purchase but when I attempted to use it, Capital One said that they need more information from me. So not being able to use the card, I closed it which I thought was an already non-existing account with Capital One. Steve, the gentlemen who I spoke with over the phone, said "not a problem Mr. ** we will close your account and send to the credit bureau that you are all paid in full". I have not used the card AT ALL. I returned back to California from NY and to my surprise, I saw a bill on my mail box saying that not only do I owe Capital One $39.38, but my payment is late. I am rating my experience one star for being the worst experience.

To begin, this is the second time in the last year that this has happened to me. I tried to purchase airline tickets using my Capital One card and was denied. This caused me to purchase them using a different card that I am trying to pay down.

The first time it all ended with my account being "activated" (it already was), and a measly $25 credit was put on my account. This time I had to have the account activated. When I finally spoke to a representative on the phone (Mumchaz in Canada), I was told that nothing could be done and that she was the absolute highest authority I could speak with. She was not nasty, but not nice either.

We have been making payments on an account for the past four months but just recently, I got a threatening phone call from Capitol One that my payments have been coming back NSF and that they are starting the repo process. I then stated that my bank never sent me an email nor regular mail stating that they came back. Once I got a hold of the bank they told me all they have been doing is checking to see how much I have on the account and not taking the money.

After that I called Capital One again, I got no one. They called me back after a short while asking for a debit card because the said they couldn't take a check payment. I said that I don't want to and that I am willing to send them cash. But they insisted on getting my debit card information. I thought something is wrong. I explained to them what the bank said, then they changed the story by saying that I stopped payment which I never did. They are calling me all hours and the morning starting 7:30am until a little past 9pm. They are just leaving messages and not trying to resolve the issue, they just want to repossess the car. I only have one year and a couple of months left to pay in this car off, it is unfair. They are also charging me a lot of fees. What can I do? They shouldn't be able to get away with this.

My APR was increased from 12.90% to 17.99% starting on my March 2011 statement. I never received any information or a notice that this was going to happen. I was not given the option to opt out. I called last month, concerned about this increase and was told that it had increased a couple years ago. I was dumbfounded but had to go gather my statements to see, when in fact it truly had increased. I called again today and asked for a reason. Julie said, "I can see you have been a member since 2007 and you pay your bills on time. But due to the economy, we as a business had to make a decision and increase the interest rates. I can not do anything for you at this time."

I said, "A 5% increase is insane. I purchased (borrowed the money) at a 12.90% rate when the economy was such, not now when you decide the economy calls for 17.99%". She, of course, fully understood my situation but could do nothing for me. I said I did not receive an OPT out letter and she said I probably just didn't notice it with the small print blah blah. I said if I had received it, I would have opted out because I can not afford this increase. It's insane.

I don't know why but for the past 9 months we have not gotten any statements from Captial One. We have several credit cards, car payments, etc and to have to keep track of what you get and don't get is a hassle. Capital One finally sent me something saying they didn't get a payment for 2 months and since not getting any statements I forgot. I called them and paid to get my account current requesting statements in the mail. I then put a reminder in my phone to make the payment by a certain day every month since I couldn't count on Capital One to send me monthly statements. I continued to call in and make payments over the phone for the next several months and this was becoming a hassle. Each month I called to make a payment I again requested a paper statement. Probably 7 times I requested by this point. I then requested new cards thinking that may get me better communication from them but also I decided to start paying online through my bank acct. The last call I made to them for a payment I asked them what my minimum amount was. The rep (can't remember the name) told me $75 since the card only had $5000. I figured as long as I made at least a $100 payment every month I should be fine. The last 2 months, I made a $100 payment and a $150 payment.

I thought I finally had a solution to the problem since I was still not getting any paper statements in the mail. My husband and I got a piece of mail from a collection agency yesterday (7/30/11) in reference to Capital One. Of course my husband yelled at me accusing me of not paying the bills. I then pulled up the bank acct and wrote down the dates and amounts of payments to Capital One thinking maybe a wrong department was receiving our payments. My husband called them with the information and it was then that they told me we needed to make a payment of $242 to get our account current and that we were not meeting the minimum payments the last 2 months (even though I sent $100 and $150). We made the payment and again requested a paper statement and my husband did not ask what our minimum payment is. So I am very confused with this credit card company in what my minimum payment is an why they cannot send a customer a paper statement when we have asked them about 8 or 9 times now. Maybe this is Capital Ones' way of keeping customers confused as to add additional charges to their accounts.

I have never been so frustrated with a credit card company and I am 41 years old. This is the card I am going to pay off first when I get a chance and I will NEVER get a card with them again. They have started numerous arguments with me and my husband not to mention that is hurts your credit when they send a collection agency after you even when you make payments and they have your phone number and address and they decide not to call you or send you any communication. If there is a lawsuit on this company I want in.

I am so tired of not being able to answer my phone because I don't want to talk to a Capital One representative. I'm not sure what part of "I have paid you as much as I can" they didn't get.

Every month I make a payment. When I do answer and explain all these and even make an offer to pay more than I can actually afford, like $50, they say, "Well we understand, but if you pay at least $200 will credit you account an extra $35 and you will be current."

If I just told them I can barely scrape together the $50, where the heck do they think I'm going to get the $200?! All I owe is $900.

They are bullies and I hate having to screen my calls. They have now started to call me seven days a week from 07:30 CT to as late as 23:00 CT. I have even had calls at 02:00 CT. Now they call almost every 53 minutes. When I have answered, it is an automated call saying "please hold" then hangs up. When I call back, I get a message, "Mail box is full". The latest has been a number of telephone from other areas all linked back to Capital One. The other numbers are 8132027244, 8663810453, 800955660, 8132741837, 8772684294.

Please help. What else can I do?

I had a transaction with a merchant and a refund was credited back to my Capital One account on October 2009, which was closed at the time the refund was applied. I contacted Capital One and followed all the process required and till date, my money has not be returned back to me. I have all the documentation involved with this refund request since 2009. The issue is that the merchant cannot reverse this charge in order to re-issue an alternate refund and Capital One has kept the money, which is illegal.

I applied for my first Capital One card in 1994. After having it for four years, I paid it off and closed my account because of high fees.

In 2011, I decided to give them another chance and applied for a new card. I was approved for a new card with a $300 limit. Weeks later, I received my card and activated it over the phone. My first transaction was at my neighborhood gas station that totaled $13.05. It was declined. First, I thought that I did not properly activate it, so I called customer service. They stated that due to suspicious purchases, the card was put on hold (remember, the very first attempted transaction was at the gas station and it was declined). There was no previous activity. It was a new card that I had received the day before. I was told that I needed to send in sensitive information (driver's license, utility bill, check stub, passport, etc.) to make sure I am who I say I am and that I have the card in my possession. (HUH??)

I have never had a credit card company verify information twice (before and after extending credit (not even previously when I had my old Capital One card). I felt emotionally distressed by this. What is to become of the copies of my sensitive documents that I faxed to them that display my address, SSN, and income? I felt it makes more sense to verify all information BEFORE extending credit instead of having a customer make a purchase and then surprise them with a decline on a brand new card. That made me feel abused by my own credit card company and it is not a way to begin a relationship in business. If I have an extended history with this company, they should have a record of this on file. To harass a customer before they even do anything wrong is an abusive business practice.This practice is obviously suspicious and it needs to be mandated to change.

I had payment protection waiver with my Capital One account, I lost my job and they will not honor it. I am unemployed, receive no child support and am struggling to start a new business. I have offered to settle with Capital One's lawyers, but they are unwilling. They are suing me in Hingham District Court and the first court date is July 28, 2011. I'm scrambling to find a free attorney. They're suing me for all fees that have built-up over the years the I've been trying to get them to honor our original agreement. HELP ME!!!

First of all, I always pay my credit card bill on time, every month; and I expect the bill to come every month, so that I won't accrue late charges or fees. Capital One doesn't send their bills on time; and they charge late fees for not sending in payments on time. This means that they charge us late fees for the mistake they made by not sending out the bill on time. I called three times already (even more in the past years since I started using this credit card), and I talked to the manager; and they never gave a valid excuse for not having sent their bills. The first time I called this month (6/19), a man named Marcel claimed that the bill went out and that the bill would arrive by end of June; so I believed him.

The second time I called (6/30), a man named Louis claimed that the bill was on its way and that if Capital One did charge me a late fee, I should call back to explain; I again believed him. The third time I called (7/6), I finally had enough and I talked to the manager named Michael (Capital One ID # **). He never promised me the bill would go out because he didn't want to take responsibility for what had happened. He claimed it was my post office that didn't get their bills to my address, and that I may have overlooked the Capital One bill. I lived in the same home for 20 years; and I verified my address with Capital One. I also check my mail thoroughly, everyday.

My post office never sends any other bill late. So whose fault is it? Capital One needs to take responsibility for its American customers. They never apologized or took responsibility for their own actions. Also, they have people in the Philippines (not the US), who poorly manage these customer service calls so that nobody (in the Philippines or the US) would assume responsibility for the mistakes made by Capital One. Please do not use Capital One credit card. They are unreliable and irresponsible. I wonder who runs this credit card company.

I'm sure they wouldn't want the same thing happening to them. They will charge you late fees for the mistakes they made; and they will not assume responsibility, as they hand it over to people outside the United States to take care of customer service complaints. Even the people who work for Capital One outside of the United States don't assume any responsibility. Nobody at Capital One assumes any responsibility. I'm sick of calling Capital One. I will never use Capital One again.

After 4 years of making payments on my Capital One credit card I was involved in a car accident and had no income. I advised Capital One of my situation and they wanted my credit card account paid off in full. They did not want to negotiate any further payments and turned me over to their collection lawyers who are Bleier and Cox attorneys. I made arrangements with the attorneys to make monthly payment which I have been doing for 6 years faithfully. When we made this agreement they stated they would not file a judgment against me as long as I continued making payments. Within a months time they filed a judgment anyway.

I still continue to make payments even though they increased amount. I noticed after making payments for 5 years the balance was going up. I initially owed them $3,800 and it is now up to $5,100.00 even with my payments they received. I have written them numerous times to try and settle and they refuse acknowledging that they have received my letters which I sent certified mail, return receipt which Idid receive confirmation of delivery. They refuse to talk to me unless I call them. They will not negoitiate. As of today July 5, 2011. I received and writ of levy which they attached to my savings account for the full amount of my savings. This money is used to pay bills, buy food and support myself. I use the account to accrue funds needed over and beyond my Social Security which is not enough to live off of.

I had no prior notice of this levy by phone, or mail or email that this was going to happen. I found out when I went to the bank and then the post office to find the levy in my mail box. I can't find anyone to help me resolve this matter yet they continue to abuse their rights as a debt collector.I did speak to an attorney and they stated that debt collectors were not allowed to levy an account without a summons to court first. I don't know what to do since they already took all my money.

The state of Virginia placed a tax levy on my bank account. The state made a mistake on my taxes due and found there were no discrepancies in my taxes for that year in question (2007) and faxed a tax levy lift to the bank.

On the 23rd (twice) and on the 28th, Capital One placed that levy on my account after hours of failed attempts to get Capital One to understand that the levy had been lifted. After at least a dozen of calls between the state and Capital One, I was finally able to get the lift order approved thru the bank.

Now, the bank has accessed a 100-dollar fee against my account for the transaction. I am currently working with Capital One to get a reimbursement of that $100 but I've been told by my branch manager that those fees are never reversed and she refused (as did many others I called ) to reverse the fee.

I felt that because of no fault of my own, I have been penalized by this bank. To me, that's like being accused of a crime that was never committed. I don't hold the state responsible for what has happened simply because the state had improper documents that I had filed with the federal government. I had an amended tax form (1040x) in which I had re-sent that tax year. The state only saw the original tax and based my back taxes on that document after obtaining a transcript of the real taxes due and paid for that year. I forwarded the documents to the state and they successfully completed my tax bill without any further due cost or any additional charges and gave me a zero balance due for that tax year.

Now having said that, they had sent the tax levy on 6/20 (I also received a copy from the state ) and on the 23rd of June, the lift was faxed to the same bank. On the 28th, the bank placed that same levy on my bank account. I called the state in which they faxed a third copy to get the lift off my account--which did occur. They claimed (in one of my many conversations) that because the lift order was placed before the actual lien was placed on the account , they refused to honor the lift order and that's when I had to get the third fax sent from the state. Fortunately, I was able to save the almost $3000 from disappearing from my account, which may have taken weeks, even months to get back. But now the issue is the $100 fee accessed. Yesterday (1st of July), I received a copy from the bank that there was a tax levy on my account. That levy was supposed to take place on the 5th of July .

capital one called the number at which i used to live at and told the people there my personal information

I got behind on my credit card last Sept after losing my job, having hours cut at another job. I contacted capitol one with no help. I ended up getting behind then in Sept 2010 I made an agreement with them over the phone that if I paid them 170.00 a month for 6 months I would be reinstated with my credit card. Not that I wanted to use them but Im trying to rebuild my credit, Capitol One is now denying any agreement ever took place. I didnt know they should of sent me something in writing I just amde the payments like I agreed.

I did everything right on my part now they are closing all my accounts that I havent been late on and the one I made agreements on. They lied and theres nothing I can do but let them harm my credit somemore not that I need that. Capitol one will not provdie my with any of the phone conversations we had, they will not provide me with any documents pertaining to the reasons my account was closed. In these times they should welcome people who want to pay their bill and not take the easy way out and file bankruptcy. This is wrong and I woll continue to fight back.

In 2006 I obtained a Capital One credit card in Arizona with a $2,000.00 limit and signed up for payment protection. I have never ran up the card and always paid on time to build my credit after a divorce in 2003. In Oct of 2008 I was part of a massive lay off was not able to find work.

I alerted Capital One of my dilemma and they said I owed the money on the card regardless of my situation. The payment protection agreement states they were to help pay off the debt incase of sickness, job loss or death. They did not want to honor it.

I used one of those 0% APR checks. The deal (3% balance transfer fee for 12 months) seemed like a good deal. I wrote the check for $15,000 and it showed on my Capital One statement on March 28th. While the minimum payment was $160 a month and the due date was the 23rd of the month, I paid two weeks early and $200 a month rather than $160. I just didn't want any mistakes that would increase my rate from 0% to 17%. I set up automatic payment on my online banking account. I started paying $200 in early April and in early May. My statements looked good. It seemed like this was actually going to work for me, but then, I got an alert from my Mint account that I had a just gotten a finance charge from Capital One of almost $300.

I called Capital One immediately. First, I spoke with a guy who I later realized knew exactly what was going on but wasn't going to be the one to "manage me". He was nice. I didn't mind that he seemed to have no access to any of my account information and that he had to ask me for everything. He said he understood what had happened. He agreed that I was not late on any of my payments. He gave me comfort that this would be resolved right there and then on the phone. As I waited to be connected to a "senior" something, I asked my service representative if he understood why I was upset. He did. I asked him if many others called. "Many" he said.

I was finally put through to the senior representative who couldn't have been older than 22. She said that she wasn't quite sure why the interest rate had been increased but it was possible that I had "used the check" after its "use date". I asked her what the "use date" was on the check. She said that she could not tell me at this time. I asked if she could tell me at a later time or if someone else could tell me. She said, "No".

I asked her what recourse I have since I believed the check's expiration date was after the 28th of March (the date that it showed up on my capital one account). She said, "Find the original letter that came with the check." "Can you tell me when the check expired?" I asked again. She could not. "So, you are telling me that you are increasing my guaranteed rate but you are unable to tell me the date that the check expired," I said. "It is the computer that did it and it probably did it because you used the checks too late," she said. Her responses turned out to be those that you hear from someone that is well-trained by lawyers. "I am sorry that you are upset. I understand that you must find this frustrating."

Regardless of what I said, I got some line. She was a pro. She was not going to get rattled. She was going to repeat her few lines until I gave up. So, in the end, my rate was raised from a guaranteed 0% to 17% for a reason that they could not supply. So, here I sit. I can't find the original offer letter that they sent me. I have it but we are reconstructing our house and our papers are a mess. I have read other complaints on this board and what is clear to me is that I must pay the full balance a.s.a.p. in order to avoid other Capital One tricks.

I have not totally given up however. I happen to have next to me another one of those letters with checks for 0% APR. The use by date is clearly marked on the check so I have called Capital One and asked for a copy of my check. I am hopeful that it will arrive and then I will ask for a return of the interest. I'll still be out the 3% that I paid to Capital One for $15,000 at 0% for an additional 10 months ($450).

One thing I wondered as I look upon this second letter/check for 0% APR, it doesn't say on it anything about what happens if you try to use the check outside of the use by date. This probably isn't the strongest part of my argument but it seems to me that if you try to use any other special offer after the close date, then what happens is you just can't use it. I couldn't imagine any other company giving you the service but charging you some other rate without first confirming with you that you had missed the date for the special offer and this would likely cost you more. They had me on the phone to make sure I had been the one who wrote it so they certainly could have followed standard business practices had they chosen so. In the end, I'll tell everyone I know about Capital One.

I had an account with C.O. the last few years and then I was unemployed so I couldn't make payment at first. I got penalties and late charge and interest. I called and talked to them to explain the situation that I had at that moment but their representatives said they don't care what is my situation, as long as I don't pay, they will have the consequences against me even though I have the protection plan. After a couple of months of trying to keep up with the minimum payment, I couldn't take it anymore and I stopped making payments.

As this moment, with the original of about 500 dollars, it comes up to $2,300 and I don't even know why. To be honest, Capital One representatives are very rude and unhelpful. They never considered my situation at all.

I had a card then lost my job. I had payment protection. They did not send me any information and put my account into collections. Now, I have a judgment against me and it's on my credit report, not to mention that it is making it almost impossible to get a car loan without an co-signer.

I accepted a Capital One credit card with APR of 0% for 6 months, until April 30, 2011 and thereafter, 12.9%. I received my May bill and the APR was 24.90%. I called customer service and spoke with Helen who transferred me to Freddie who transferred me to Gloria, as account manager. I explained my concern with the APR of 24.90% for purchases which is the same as for purchases. I have not used any cash, no late payment or over the limits. I was told to fax my complaint to the General Correspondence. I received letter stating that they could not reduce the APR as I requested.

I did not request to lower APR but to honor the agreement of 12.9% as stated on the disclosure agreement. I have been a long-time customer of Capital One and never thought of their unethical policies and procedures. I am unable to work and completely disabled due to medical history and surgeries. My only income is Social Security. I accepted the credit card online through an offer sent by Capital One. I trusted them and I will not use this card any longer or accept any other offer from Capital One.

Basically, I had a Capital One card and then I lost my job. So as you expect and already know, I got a million phone calls and letter in the mail about late fees. The debt got sold off to a law firm for now the law firm took me to court to recover the debt. I owe triple what I owed and feel like I shouldn't have to pay simply because when these people were harassing they never said that they offered credit card protection. As I explained to them, I lost my job; they never once said they had had the service and for this certain amount extra they would pay the minimum due and help keep my balance in good standing. So I already know why this is so but I want to know if I can take them for court for non-disclosure and get this off my credit summary.

I had a major car accident back in 2005 and had payment protection on my account. Capitol One refused my claim and refused to pay out my payment protection insurance. The account then went into default and I could not pay anything because I was not working and my children came first. They sent the account to a law firm and the law firm decided to take me to court in 2007.

I advised the law firm that I was in the hospital and sent them the proof and let them know that I was unable to be present during the hearing and asked if they would postpone so I can defend myself. No, they went anyway and then placed a lien against me and charged me $2500 for a $600 credit card. Then in July 2010,they sent a letter stating they were audited and they were responsible for all of the charges that built up do to their mistake. Yet they refuse to pay it and remove the lien.

I was paying more than the minimum payment for a while but the balance kept going up. After a while, since I am disabled, I was unable to pay. I was taken to court 3 times and finally won but they are still harassing me. I was finally able to reach the collections and explained that it was thrown out of court but they say they can't find the info. They still continued to send me letters, call and call, etc. What can I do about the harassment? This is still on my credit which I am trying to repair. Iit is causing me to worry and have panic attacks and I feel like I could pull the phone out of the wall and my mail box down. These people are killing me. I think they may have sold the debt to someone else by the number of different calls and letters I get but Ii am not sure. I am sure that it has to be them because I do not know who else it could be.

The company Capital One did change agreement to credit card. I was not informed in writing about the change. I am getting a five dollar a month fee and interest at the same time. I am busy person that works approximately 15 hrs a day. When I found out, I called the bank and spoke to supervisor named Pheinx who refused to take the five dollar a month fee away. I told them several times to that I was never informed about any changes. They refused to take away the credit card $5 a month fee. Please help, I never agreed to to this change.

My husband and I had Capital One cards. We ran into financial issues and the cards were closed. And we went through a debt consolidation company. We decided to stop the debt company and settle the accounts on our own, since the principal on the accounts were more than paid. We had a payment arrangement set up with Capital One until they pulled a payment out without authorization. Then, it had been a year of no response from Capital One or the companies they hired to handle the account. We finally got an actual person from these companies. We were spoken to in a rude manner and harassed. I was finally able to set up payment arrangements that would finalize the account. The final payment on my husband's card was to be 4/30/11.

Then, the Sony theft happened and my credit card information was stolen (someone tried to charge $1800.00 on it but the bank was quick enough to stop it). But my card was closed and a new one was issued. This all happened between 4/29/11 and 5/4/11. I called the company to explain the situation and give them the new information so the last payment could go through. I had to fight with them because now they wanted another $50.00. This is not right. Someone stole my MasterCard and I had to spend a week trying to get everything straightened out. And Capital One wants to charge me another $50.00 and be rude and harassing at the same time.

I have set up automatic payment with Capital One Auto Finance. Capital One Auto Finance is to withdraw $625.00 out of my account on the 29th of each month. On Wednesday May 4, 20011, I received a call from the Repo Department of Capital One Auto Finance. Bruce told me that my payment had been return and I need to make a payment now. I informed him that I had been monitoring my account and Capital One Auto Finance has made no attempt to withdraw the automatic payment. I asked him to hold while I called my bank on another line. I had him on my left ear and the bank on the right. I repeated to him what I was told by the customer service representative from BoA, Lynn. She told me she saw no attempt by Capital One Auto Finance to withdraw funds from my account. She did verify the payment I made on May 2, 2011 in the amount of $350.50 to Capital One Auto Finance.

I informed Lynn that Capital One Auto Finance Repo Department is stating that the payment was stopped by the bank. Lynn stated that the activity should be noted whether there was a stop payment or a return payment. Lynn again stated there has been no attempt by Capital One Auto Finance to withdraw the funds. I relayed the information to Bruce, who at this time hanged up on me. I called the number he called me from 800 **. I spoke with Brain and asked for the name of the representative I had just spoken to. Brain said he could not read the name.

I asked for his ID number. Brain then said his name was Bruce. I asked for his superior. Liz identified her self as the manager. After I explained, she said the best she could do was to investigate, but my account would remain in the repo department and my automatic payment are no longer available. I feel this is an attempt to claim that I am not attempting to pay them so they can repossess my vehicle. I have spoken to them everyday when they call. I have explained my situation and I have been diligent to the best of my present abilities to pay them. I bought my truck in 2005 and it was scheduled to be paid off in August, 2011. I fell behind when I lost my job. My account is in the repo department, which adds stress to my already stressful financial situation. It's another ding on my credit.

They refused to give me credit because my son filed for bankruptcy and the credit reporting agencies put it on my report. Although he has the same name, I requested to all agencies last year to check the Social Security and DOB, but they still put it on my credit. Capitol One just refused me credit stating on the letter that there is a presence of bankruptcy or bankruptcy filing. This issue resulted to stress and a damage to credit.

I applied for a credit card after checking my credit score. My credit score is in the good to excellent category with no defaults in the past 10 years. I have 4 other credit cards, all paid off monthly and I have no debt. I was immediately denied a card. I called to ask why, was told I had to wait for a letter to know why. I explained I had good credit and would like an answer since I was immediately denied, there must be someone who knows why. I was told I would be transferred but was actually disconnected. I waited for the letter, the letter stated it was due to past delinquent payments. I have none, in fact, I used to have a Capital One auto loan in which I paid it off early. I still have no idea why I was denied.

I have had a Capital One account since 2000 and received notice a few months back that they were changing the terms of my account and increasing my interest rate from 7.9% to 17.9%. I have very good credit and pay on time, yet they decline to change my rate to anything lower. I call and email each statement and still no result. How is this good business or even ethical? Where is the justice? Citizens bail out banks in crisis only to push the working class further down.

Last year I was doubled charged by Capital One Auto Finance the same day for a car payment of $420 equaling $840 on 12/24/09. I filed a complaint with my bank Wescom Credit Union, Los Angeles They charged me 80 bucks for overdrafts because of Capital One's mistake in double charging me for my car loan.

The second incident happened on March 14, 2011. I was double charged online $400= $800 to my same Bank Wescom Credit Union. I had to pay again overdraft charges of $60. Capital One has not responded to my complaint. And I have no money in my bank account because of their mistake.

Most companies will call or email if they notice the same double charge within seconds of each other, due to Internet errors. This is the second time and then they stated that it would take 7-10 business days to credit my bank? What do I do about gas, food, children etc.?

I called to try and correct my past due balance and asked for a debt reduction amount. I was willing to do what I could do but was treated very rudely and was told that Capital One does not work with people like that. I have been a long time customer and am now being charged 27 percent interest because of some hardships I am having because of being unemployed and 2 back surgeries. I am very unhappy with your representatives. They have no compassion and are unwilling to listen. I am done with Capital One!

I have an auto loan with Capital One. I was unemployed for 18 months and did my best to maintain the payment. I went back to work in June 2010. I was catching everything up when I was told that I could modify my loan through the hardship program since my income was considerably less than when I took out the loan. I was told that I had to let my account go past due and it had to be within a 62 - 85 days. So I did what I was told. Then, I called back and was told that the paperwork would be sent out to me. Needless to say, I never got anything. I called back and was told that I didn't qualify for the hardship modification because I was past the 85 days.

I spoke with a supervisor and was told the same thing. Is it my fault that their representative didn't do his job? I have been doing what they have been telling me for months now. I get into the date range but then still don't qualify. What? Stop all the ** and do what you promised. Now, I am in repossession after waiting and doing what they said. I asked for a payment to be bumped to the end of the loan today, and was told, "Make two payments and we will help you." What? If I had two payments, I wouldn't be asking for help (I just made a payment on February 12).

I have played their way and still got no help. I am at my wits end with this company. I can't get anyone to help resolve this. The bottom line is they give you the run around and still want to repossess the vehicle. Fine, go fish it out of Lake Michigan. I'll file for bankruptcy and never pay you another dime.

I have had an SBA loan through Capitol One for some time. The original amount was $50,000.00 and I have paid the loan down to $3800.00. Because my business failed, I fell behind in my payments . I have been making regular payments to pay down the account and eventually pay it in full. Tonight I received a call from Capitol One informing me that because my account was delinquent that it was being written off and an I-9 would be filed further ruining my credit rating. Though delinquent, I have been faithfully sending substantial payments monthly. Every month I receive a letter from Capitol One offering help with this loan in the form of modified payments but though I have asked they have always told me that no modification was available. I expected to have this account paid in full by summer.

Our interest rate went from 9.9% to 18% for no good reason. They did this at the time the government was bailing out Wall Street. Since we had some things that were on autopay, we didn't have the time to cancel the services and stop using the card and keep our 9.9% interest rate.

I went online to make my monthly payment to Capitol One and noticed that our payment was unusually high. I called Capitol One and asked them what was going on. They replied that they had raised our interest rate from 13% to 22%. I replied with, "We have never been late and we have never been over the limit." They asked if we had ever done a balance transfer; I said no. We have never had a balance transfer or used our card for cash advances. We keep our credit card in our sock drawer mainly. They put us on hold for a while, came back and stated due to the economy, they raised our rate. I told her I'd like to close our account and I was transferred to a manager. The manager told me that if we closed our account right now, we'd be stuck with the 22% and paying it off would take longer.

I was told that Capitol One had sent out notices in the mail about their rates and I told her I did not receive anything in the mail telling us that our rates would be changing. The only thing I received in the mail was back in December stating "We may increase APRs in existing and new balances if your account is 60 days or more past due." It also stated that, "We are not increasing your current rates at this time." So where is my documentation that states our rates ARE changing?

They offered to lower our rate to 18.99% and I told them that was still unacceptable and they made it sound like Capitol One was doing us a favor by lowering it to 18.99%. Really?! Are you kidding me? We have never been late, no balance transfers, no cash advances and we are paying it off in lump sums and why weren't we notified about our increasing rate? So the problem with this is, if I close this account, it will greatly impact my FICO score and I would be closing it at 18.99%. Our interest rate went up over 9% with Capitol One and without notice!

I applied for a Capital One auto loan online and sent in my documents. I received an approval email. When I checked their website, it said I was approved. Then, they called my house asking for proof of address, which was faxed to them. I went to a Kia dealer to get my new car. I was told that Capital One had put a lock on the blank check they had sent me. So after 4 hours at a car dealer, I left in my old car. It's because Capital One who had approved me changed their decision.

Capital One overdrew my credit limit by adding a $400.00 charge after the charge from Enterprise Car Rentals was declined. They took it off after I disputed since it was declined. But they let Enterprise put the $400.00 back onto my account which made the account over the limit--which meant over the limit fees and late fees. I have the paperwork that shows I didn't sign the car rental agreement. I would like the current lawyers who bought the account from Daniels Law firm to check my information and emails.

Also, my original balance was $500.00 which has morphed into $2,502.00 with additional lawyers' fees added from Daniels Law Firm to Lustig, Glaser & Wilson Law Firm. I have called them on 2/17/11 at 2:51PM and 3:00PM. I have asked to send me the information proving what my account balance was before the additional charge, but they refused. I have had this account since 2003 and never was late up until they added this $400--charged with the minimum payment going up every month. I told them that I am disputing this matter as of today 2/17/11. My telephone number is **. Thanks.

I have sold my car and the loan was paid off on January 26, 2011. Still, I have not received my lien release and the buyer is may I say is angry!

I got a card from Capital One in August 2005. I had an account with them for years. In December of 2005, they sent a bill to my 12-year old son for payment. I called them and explained that he didn't have a card--why would they send him a bill? I had always paid online, and never received a statement--only to find out that they had issued a card in my son's name. At first, they told me that he was the second card holder on the account and that I was the first. I asked them to take him off. Second, I never received a card in his name.

About two months later, they sent him a card. I called back again. They admitted error and said that they would correct the situation. It would take 7-14 days to correct. In the meantime, I kept the account open, as it had my name on the account online. Then, some time about a year later, they called to up the credit limit. It was now in my son's name, and mine was off. I talked to another CSR and taped the conversation. Same thing, they admitted that they were at fault, etc. She said that they were closing the card but I need to pay what was due.

Almost two years later, I got a collection letter in the mail in my son's name for Capital One. I called them again, taped the call, and spoke to a supervisor. I told them that I wanted a letter saying that the account was closed and that I would not make another payment on my $35K van that was financed with them until it was fixed. I got a letter via email, and thought all was good.

We are now in federal court for identity theft. Capital One says that the letter is not legitimate and that the account was not closed. They were claiming that I was never on the account, even though I have a copy of my card, which they say was never issued. Has anyone ever heard or seen such a problem--any documentation, etc.? If so, please email me. I would appreciate it and would gladly pay you for your time!

I have been a Capital One cardholder for over 6 years. I have never been late with a payment in the past. I called Capital One to inform them I could not make my minimum payment last month of $80. I was told they understood and as long as I made the payment along with the next payment for a minimum of $177 by next month's due date, they would credit the $39 fee involved with being late after the payment had been made. I thanked them and assured that I would call back when the payment had been made to get my $39 credit. The very next day and for the last 2 weeks, I have received 8 -10 calls per day starting at 8:30 AM - 9 PM, asking to make a over-the-phone payment.

If they had informed me originally that harassment calls were going to be made every hour until the payment was made, I would have made the payment and not eaten for the next week. In my opinion, this is a bad company to do business with and it is not the first problem I have had with Capital One. Fees, raised interest rates and other items have been added for no known reason which after numerous calls and time are always removed "as a courtesy".

The courtesy would be they do not try and get away with items such as these. There are people who do not check statements and such who never realize what is being added. I do check statements and complain when these types of fees are added. I am not naive to think that any credit card companies are any better. They all should be avoided at any cost, unfortunately sometimes they cannot. I know some who read this will think "deadbeat", but like I said tough choices have to be made during hard times.

In June 2006, I became disabled. I had several credit cards through Capitol One with which I paid credit protection. After months of trying to get proper applications to apply for my benefits, I finally gave up because it was taking a bigger toll on my health.

Now, four and a half years later, I have been contacted by Capitol One that they had not received my claim form. They sent me a claim form and I have filled it out with a copy of my letter of approval of my disability payments and statements from my doctors. I hope to hear from them soon.

I was harassed by Capitol One and I even pleaded with them, by letters, to give me time to get my disability payments started. On one occasion, I did have to sue to stop the harassment. I explained to them and even ask them to let me send them proof of my disability but they just said that it's a different department. I ended up ruining my credit because I could not pay my bills.

I was a Chevy Chase Mortgage customer (CCM) when it was taken over by Capital One Mortgage (COM). I was contacted by my previous loan officer Christopher ** and was told that I could refinance my CCM loan with COM and get a lower rate--as such, lower my payment and it would only cost me approximately $485.00. However, I could not have any money returned from the CCM loan and any money in my escrow account would be used toward the new loan.

What I found was that COM did not pay my homeowners insurance that was due prior to my old loan closing. They sent me a letter saying that I needed to pay my homeowners insurance for $1,200 or they would have to add it to my new mortgage which is now more expensive. When I called to ask about it, COM said the insurance was just not paid. They apparently kept the money in my escrow account for themselves instead of paying my insurances like they were supposed to.

I am now in the process of severing all banking relationships that I have with Capital One. I was a member of Chevy Chase Bank because I chose to be a member. Now, I am stuck with the shifty Capital One Bank for the next 22 months when I have recoup all of my loses doing this refinance.

Capital One small business credit card company has been taking fees for this protection for three months without my knowledge. When I called to activate the plan, due to unemployment, I was told that this was not a part of the plan. They would cover the payment for a natural disaster such as a flood, but not being unemployed. Due to unemployment, I have not been able to reduce this debt. That is a "rip off" to the consumer, not to mention the fact that Capital one signed me up for this without my knowledge. What kind of payment protection does not cover being out of work?

On November 30, 2009, at 11.10am, I spoke with Anita. I just called in to Capital One Bank to advise them of my issue at the time due to illness. I was still paying them $20 a month but I notice that my invoice charge had grown without any charges made by me. It was up to $420. Anita allowed me to speak then and she stated that she will do her best to help me. At that time, I was asked to hold on the line, which I did, and then I was informed by Anita to disregard the amount that it had been written off as debit forgiveness that there were several options under this plan and that I would not receive any future billing from Capital One Bank. I asked if she was sure that I was not expected that at all. Anita, Capital One Bank employee informed me that she was sure and if there was anything else and then ended the call.

As of today, I have not received any billing from Capital One Bank but today I received a letter from American Meditation (Tennessee) advising me of a Civil Suit has been filed named Capital One Bank vs. Kimberly **. All of my other creditors are being paid; why would I leave one out/omit unless I had been advised/informed to do so by Capital One Bank employee, Anita. I am really upset about the deceit of this company and employee.

This has to be put behind me. I am not sure what is going on. I have not spoken with Capital One Bank since November but this is bad business. Misinforming a consumer is unfair, and undermined. No fair treatment or intentions were intending by the Capital One Bank. I want this to be as I was informed as debit forgiveness - write off. In 2011, how it is that Capital One is still displaying negative credit reporting on my credit report. I really need some help hear! I was misinformed and misdirected apparently.

I have a Visa business card with Capital One Bank. Last May 2010, I purchased a camera, which made my account exceed beyond the credit limit. During my purchase, my card was not declined for spending beyond my credit limit. I understand I have to pay then for an over-the-limit fee, which I saw on the account statement of the same month. Today, much to my dismay and my wife's, we just realized that we were paying $39.00 per month for over-the-limit fee up to now. I thought I only have to pay a one-time fee, as in the application you only see $39.00.

My wife and I called Capital One Bank Credit Department at 1800-887-8643 and spoke with their specialist, Jose with ID No. **, to dispute the monthly charge of $39.00, as it does not say in the application that I have to pay every month until I am not over my credit limit. Otherwise, I would not have gone beyond my credit limit. My business is so slow that I can't even pay my $827.26 excess in account. And after my wife was talking to Jose for several minutes (being put on hold on and off), he offered to waive one payment. But we argued that this is clearly deceiving customers, not telling us monthly over the limit fees until it is paid. This is beyond ridiculous. My wife's blood pressure shot up just thinking and talking about it over the phone with him. Then after a while, he said he can waive 2 payments. But it is still ridiculous because I still have to pay the succeeding months until I won't be over the limit. If we had known this, we would not have used the credit card. Then I asked for the supervisor since Jose said that's the only thing he can do. I spoke with Cristina, ID No. **, who said the same thing. The disclosure did not clearly say to pay a monthly fee, otherwise, I would not have made it reach this point. This is making us harder and longer to pay our account and making us lose our business.

I use Capital One online banking. I have a month payment sent to Bank of America. Capital One sends a paper substitute check via US mail to Bank of America. They received the check and deposited. Check was endorsed by BA and copy electronically sent to Capital One for payment. Capital One released the funds. Funds never made it into the account at Bank of America. Bank of America (Customer Resolution department) indicated repeatedly that they can't do anything to find the funds or see where they incorrectly deposited the funds.

Capital One indicates the endorsed side of the substitute check is proof of payment and its BA responsibility. I believe one or both aren't adhering to the Check 21 Act of 2004 covering electronic transactions. Meanwhile the only solution provided by Capital One is to file a fraud charge against BA to reclaim my funds. This will take up to 120 days.

I noticed a balance due on my credit report from Capital One when I never had a card with them. I filed a dispute over three months ago and did not get anywhere. I called several times and with the account number listed on my report. They confirmed that there is no such account but they still are impacting my credit score. I spoke with several managers there and no one can help. I tried to file a complaint online on their site but because I do not have the code on the card, I cannot submit it online. I need help getting this fixed. Capital One is a dead end and the three credit bureaus can't help either.

Capital One Credit Cards claim that I owe them $3,025.33. I do not have a Capital One credit card and I do not know what they are talking about. I tried to call them but I can never get through to a live person. Can you please help me? I cannot repair my credit. I am on disability and not working so it is effecting my health and well being.

I received an offer in the mail from Capital One inviting me to apply for a card. I responded to the offer and was granted a credit card. I called in and spend twenty minutes activating the card with someone who barely spoke English and was there to sell me additional products such as credit protection, identity protection and the like.

A day or two after activating my card, I went to the gas station and tried to use the card to fill my car but the card was declined. Thinking that it may have been a vendor issue, I simply paid cash and left. The next day, I tried to use the card for a store purchase but it was again declined. I called Capital One and they informed me that my account was suspended the instant I activated the card because they needed additional verification of the information I had provided at the time of application. They told me that I would need to send in a copy of my driver's license, a copy of a utility bill, a copy of my bank statement, and a copy of my pay stub. I asked why this information was not requested prior to issuing the credit line and card and they said that they are not required to verify anything in advance and that they have the right to suspend an account at any time, even if it is not late. I was furious and hung up.

I called back several hours later and explained the problem again. This time, I was told that my account was not frozen upon activation, but that something related to my first attempted transaction flagged my account as potential fraud and Capital One was just acting in my best interest by freezing the account. I asked why I was not notified that my account had suspected fraudulent activity and the representative said that they have too many customers to contact them individually about these concerns. I immediately cancelled the account and told them to remove my name from any communications lists.

Interestingly, when I was complaining about the experience, I had a friend tell me that she had gone through the same experience with Capital One. She applied for and was approved for a card, only to have it immediately frozen for potential fraud. She too could only lift the suspension by faxing in the required documents. This would appear to be a common business practice of this company.

I had a credit card with a $500 maximum. I got sick and the bill got behind. In February 2010, I got in touch with Capital Bank in Salt Lake City, Utah and told them that I would need to pay an extra $250 in interest on the $500 limit card which made a total of $750. They agreed and I put in motion for my bank to pay $50 each month until $750 is paid. When I made payments I made them out to Capital in Charlotte, NC. They got involved and messed everything up so I got back with Salt Lake City and they said to continue.

Yesterday I received a letter from Charlotte, NC trying to get back in the picture. I went back to my bank and stopped payments until I get recognition and not be disturbed by Charlotte. My bank said I only have ten (10) payments before this bill is paid off. I do not want Charlotte to interfere with me paying this debt off.

I had 2 credit cards with Capital One bank and they offered disability protection on the cards. I paid into them for years then I was service connected disabled military. I was told I could not use the insurance but for years they took my money.

On 11/14/10, my car was repossessed by Falcon International at my home address, no keys requested or given. There were no keys for this car until Adessa made one upon the car's arrival to Adessa on 11/24. On 11/24/10, the car was transported by Mazerall Towing to Adessa, Colorado Springs (car auction house).

On 11/26/10, I paid to have the car reinstated. On 11/29/10, the car was released to me by Adessa. I retrieved the car at approximately 11:30 AM from the security lot at Adessa. Using my own keys, not the one Adessa made upon arrival of my car on 11/24, I drove it around the corner towards the highway to take back to Denver when the car locked up and shut down. I was able to get it to the truck stop parking lot on my left. The oil light was on so I went inside the truck stop and purchased 2 quarts oil. I opened the hood, checked the oil and it wasn't registering any oil at all. I poured 2 quarts oil in and it still was reading no oil. I tried to turn the engine over and it would not start. I then sat in the car crying.

One of the truck stop mechanics came over and asked me what was wrong and then went and got his dad (manager of garage). They pushed my car into their garage and took a look at it. While pushing it into the garage, they noticed all the oil I had put in the car was now pooled in the parking space. After looking at the car, they told me I had a hole in my oil pan the size of a softball. I called Adessa back, specifically Charlotte and told her the problem. She sent a tow truck driver from Adessa to retrieve the car.

The manager of the mechanics, Dustin with phone number 719-491-3679, told me he would get the car repaired and contact me as soon as he got the part from a Chevy dealer and got it repaired. I also contacted Capital One this day and was told that they would send a damage claim affidavit to my email address. But I had not received that day.

On 12/1/10, I was told by Dustin at Adessa that my oil pan was repaired per Capital One's request but the car was inoperable due to an engine knock (blown engine, rod thrown) and they were now waiting for Capital One to authorize the new repairs needed.

To this day Capital One has not authorized any more repairs to my car.

On 12/7/10, I called Adessa, Charolette, Dustin and Capital One. Not one progress on my car. I was told that Dick (phone number 800-227-3863), a manager at Capital One, would be returning my call. I received a call back from him during my son's choir concert that afternoon. I returned his call that same day and left him a voice mail.

On 12/8/10, I called Dick at 2:49 PM and again left a message. I called Charlotte and she had not received any word from Capital One.

On 12/20/10, I called Capital One and spoke to reps Ally, Mo, Adrian and Michael. Michael's manager, Cedric, got on the phone but I had to go to work at that point. At 4:30 PM, I was given a number for a reinstatements department and was told they were handling the situation with my car.

On 12/27/10, I called Capital One at 3:50 PM and was transferred at 4:04 OM to a department that rang sixteen times before I hang up. I called back and was told a floor manager, Christina, would call me back after forwarding my file to a RAM team. She never called back. I called customer service again and was told a Samantha, another floor manager, would call me back in 24 hours.

On 12/29/10, I received a call from Samantha. She stated another manager from the vehicle re-marketing department would be calling me back in 24 hours, as they have my file. That person never returned my call.

On 2/2/11, I left message for Samantha at Capital One. I called their customer service line to be told by an agent that the file was in collections and her manager refused to get on call and the agent then terminated the call. I called them again and spoke to Jeff in collections, who tried to get a call back for that manager again but stated that that manager can't help me anyway as my file was in a department called special operations. He tried to transfer me to reinstatement department to no avail (call was dropped). I then called the reinstatement department directly. I spoke to Michael (same Michael from 12/20 call) and he stated my file is with vehicle remarketing but they are closed for the day. He gave me an ext. number for a Heather to use tomorrow when I call.

My credit has been ruined because of a claim that I filed since January 2009. The Capital One account should have been paid off as I never had use of it. I want to be put in good standing, the claim paid and the acount open for use.

I have been charged late fees and credit protection fees for over five years. My account is never current, even when the card is not used due to fees and late fees. I have attempted to contact the credit protection company on several occasions without success. I am requesting a refund of my money be applied to pay the balance on my account.

Capital One is charging me a bill that I supposedly didn't pay three years ago. So now in 2010, they're non-stop calling me, saying that I have to pay the amount of $1,400 which I do not have at the moment. I received S.S. on the 14th. They want me to pay the first of every month.

PayPal made a mistake and ran my payment through my bank account instead of my credit card. My Capital One account is set up in a way that they decline the payment when there aren't enough funds. Paypal's system automatically keeps trying to run the charge over and over before they try the credit card. Capital One charged me $35 for each time they had to decline the transaction, forcing me to pay hundreds of dollars for an item that I bought for $13.

I called Capital One when I had only 3 charges. The agent on the phone told me that it's a mistake on their side, and he's fixing it. When I warned him about how PayPal works and how they'll keep trying to charge my bank account, he said he will modify my account blocking those payments, so there wouldn't be any further charges.

Three days later, there were dozens and dozens of $35 charges on my account. I called Capital One in rage, and they said there's nothing they can do. They waived only $70, and they said the first person who opened my account didn't set the account properly. They also said the first agent I talked to informed me wrong. And he didn't have the authority to refund me those charges or he didn't modify the account to stop the following charges. He said this time he modified the account properly, so I wouldn't get any more charges.

Then he directed me to a supervisor to discuss further why I shouldn't be paying all those penalties, even if it's their fault. The supervisor told me that the agent I just talked to misinformed me again, and there isn't a way to block any future charges. If PayPal tries to run the payment again, I'd get more $35 penalty charges--which they did. He said there's nothing he can do and that I have to pay $35 for each time they reject a payment no matter what. He also said, "You take the risk when you give your account number and routing number to someone."

I'm closing my account and canceling my credit card on Capital One Bank. They are scavengers about these charges. When they legally can, they'll charge you with anything and tell you it's your problem. So you let them back you up on payments, and you pay $35 for overdraft charges. But your payment doesn't get rejected. That's understandable. Or you don't want that but they charge you $35 anyway for rejecting the payment. This is insane.

Bottom line is you have to keep a balance of a good $1000 at all times to avoid any problems. That's what they want. When a mistaken charge goes through, they reimburse you the charge but you pay the overdraft fee even if it's not your fault. I don't want to be a part of this scam, so do you.

I signed up for the payment protection paid on it for years then got into a motorcycle accident and then laid off from work. Knew I had enough in the program to cover balance but they never gave it to me. Now, after 2 years, my balance with them has doubled and I still get a bill every month with new charges.

My credit is at risk. They hassle me almost every hour with phone calls. I tried to do the right thing but they wanted nothing to do with helping me.

I used to pay online by direct electronic transfer from my Checking account which was also with the same Bank to the Mortgage account which was with them too.

There was a mortgage insurance used to secure the loan and I was ripped off by being lied to that it was going to be $406.09 a month on a loan of about $280,0000. I was promised that after two years if I do not miss any payment or have any payment late for up to thirty days, they would let the mortgage insurance expire after February 2009. Based on this promise, I took up the loan and was coerced to pay the exorbitant mortgage insurance of $406.09 a month. For the first year, I had a perfect payment history with no single late payment. By March 2008, Capital One, then Chevy Chase Bank, saw that if I am allowed the freedom of using any available payment method to make my payment, they would end up losing the $406.09 I pay them on mortgage insurance after a year. Thus they changed the payment methods available to me, denying me access to online payments by direct electronic transfer.

I made a lot of calls to have this resolved but none of their employees agreed to know what was wrong but advised that I could continue my payments in the branches or call and pay over the phone with a fee of about $25 per payment. I decided to go to branches, feeling they might be up to a game, to make me default, so I was left with the option of going to the branches to make my payment. From March 2008 to August 2008, I used this form of teller transfers from my checking account with Capital One, then Chevy Chase Bank, to my mortgage account which was also with the same bank. I still had a very good payment history without missing any month of payment or being late for up to thirty days as the rule for dropping the mortgage insurance stipulated.

By September, 2008,Capital One Bank, then Chevy Chase Bank, again saw that denying me access to online payments did not cause me to default, so they increased the suppression by denying me access to teller payments. If tellers pull up my account, they would tell me it is blocked and that they would not be able to take my payment. This was happening, while I was very current with my payments. I made all the calls I could make, talked to as many people as I could but no one could help me resolve this matter, as I was left with the alternative of having to wait for the bank manager to take my payments anytime I was in the branch to make a payment.

The most difficult aspect of the whole experience was that the bank manager would have to call the mortgage department to get instructions on how to take my payments, in a time and period that I had a very good payment history. On some occasions, I would be in the branch to wait for my turn to see the manager, and if it is 16:00 in the evening, the bank manager would tell me to go and come another day because the mortgage department was already closed, causing me to lose many hours of my work time. I was basically left to make my payments only five days in a week, and from 9:00 in the morning to 16:00 hours in the evening, when the mortgage department would still be open.

Despite these difficulties, I still persevered knowing that after February 2009, it will be over, since the $406.09 of mortgage insurance would be removed. Then I would go ahead and refinance my mortgage with another lender since my credit score was very high then. From September 2008 to February 2009, I was obliged and forced to use this method of payment. And I did everything possible to make sure that I never defaulted in my loan. Then came March 2009, the month the bank was to remove the mortgage insurance. I got a letter of foreclosure from them instead when I asked them to remove the mortgage insurance since the two years have gone through without my missing any payment and never being late for up to thirty days in any month. They denied receiving the payments for the months of December 2008, January 2009 and February 2009.

I sent the receipts and letters from them showing these payments were made, they acknowledged the payments for December 2008 and January 2009 and still deliberately refused to acknowledge payments for February 2009 which I actually made to the bank manager in the Annapolis road branch of the Chevy Chase Bank, now Capital One Bank.

I called the mortgage department again to express to them that I made that payment and was told by Ms. Hernandez to go to the branch where I made the payment. I went to the branch and met with the branch manager on duty, who called her colleague who accepted the payment. Her colleague confirmed to her that he accepted my February payment and carried out the instructions given to him by the mortgage department as they could not take my payment directly and I was not in default of my loan since according to what he saw in my account, I had not missed any payment or been late for up to thirty days in any month.

Ms. ****** the branch manager on duty did a great job, calling the mortgage department to tell them that it was not my fault, that my payment was made to them on time and so their penalizing me was wrong. I did not know that Capital One Bank, then Chevy Chase Bank ,had already reported this to the credit bureau, causing my credit score to drastically reduce by over 150 points within just one month.

Karen *** the credit analyst for Capital One Bank, then Chevy Chase Bank, wrote me a letter apologizing for the false report and promising to correct the false report, but never did that. Then when I insisted then to have the mortgage insurance removed since they have acknowledged now that it was their fault not mine, they refused insisting that I would still have to keep on paying the mortgage insurance whether I liked it or not for another year.

I went to make my March payment, but was told that they had an instruction in my account that nobody should serve me or take my payment again in any branch. I tried three different branches and received the same reply, that if I wanted to pay I should go to their headquarters and submit my payment. I asked why, have I done anything wrong, have I defaulted in my loan, is it my fault that I was current on my payments and should be given the benefit of being a good customer, who made sure he made his payments. Were they expecting me to default in my mortgage so as to suit them in continuing to collect the rip off of $406.09 every month? What did I do wrong in making sure that I maintained a good payment history in the midst of all their suppressive and oppressive acts to impose a default and an irreparable damage on me? They have damaged my credit, so I cannot refinance again, or even obtain a loan for my company, or school.

Until the present, they still refuse to solve this problem. This is my predicament with Chevy Chase Bank, now Capital One bank, by merger. I have tried to talk to them and in trying so and moving from branch to branch to solve the issue, they caused me to lose my job, talking with them over the phone while at work and even going to branches to ask that they resolve my case. They kept on giving me a runaround and still insist that they will never remove the mortgage insurance nor take my payments in any of the branches again. My house is now full of mold caused by the leaking roof, as I do not have what it takes to fix it again, since their false report to the credit bureau caused me both my job, and the refinancing that could have helped me fix the leaking roof to avoid mold growing in my basement and endangering my health and those of my people.

On 12-14-2010, I was contacted by Capitol One to make a payment of $255.04 (I have confirmation number) to prevent my 2010 Mazda 3 from being repossessed for 20 days. They also were told and agreed to remove the auto-payments that were going through my checking account and being returned as I was hurt on the job, not working and not receiving any income until unemployment restarted. On 12-29-2010, in the middle of the night (15 days later), they repossessed my car! When I called them to find out why they had reneged on our deal, they said the returned auto-deduct from 12-15-2010 (that we both agreed was not going through on 12-14-2010) that caused my account to be in arrears again. Don't trust anything they say. Liars, liars, liars.

Attention! I am a former employee of Capital One's mortgage loss mitigation department. I need responses from any victims of Capital One. They are illegally foreclosing and making people homeless, illegally.

I received an offer from Capital One for convenience checks with a promotional rate of 5.99% as long as checks are posted by 11/15/2010. So I wrote two checks on 11/7. The first was posted to Capital One within a few days and I received the promotional rate on it. The second was posted to the Capital One card on 11/15. When I received my statement though, I did not get the promotional rate even though the mailing clearly stated in multiple places the offer was good through 11/15. Thankfully I kept all the paperwork. So Capital One is incorrectly charging the wrong interest rate on this transaction, a much higher one of 17.9%.

I phoned Capital One and was on the phone for 30 minutes with a representative stationed God-knows-where who could not help. The supervisor he transferred me to was better; she is sending this over to another department to review. Just in case that is not enough to get this corrected, I just wrote their "disputes" department, and I am sending copies of all the paperwork I saved, including the initial offer which clearly states "must post by 11/15". Here's what I am sending them, minus of course the dollar amount and other information that is personal.

And my caveat to you reader, is to save paperwork and check your statements carefully, especially when dealing with Capital One. I am writing to notify you that you have made an error in the interest rate being applied to the transaction dated November 15, 2010. That check qualified for a special transaction rate. Please rectify your error immediately, adjust the interest rate retroactively to the 5.99% rate that should have been charged. Otherwise, I will be taking legal action.

I had a credit card a few years back with Capital One that had a 500$ credit limit. Though I made my monthly payments on time, one payment arrived late (though I did mail it on time), and I got charged two fees that put me over my credit limit, which followed with a 39$ over limit fee.

I was still a teenager and had just moved out on my own and this was my first credit card, so I was naive and didn't know what to do. I worked two jobs just to cover my bills, but now I owed Capital One a 250$ payment I didn't have. I paid it, but the next month they charged me another 39$ fee for being over my limit the previous month. There were so many fees that it seemed there were fees for them charging a fee. Needless to say, that overlimit fee put me over my limit again. See the cycle? I called and asked if they could close my line of credit, and we could schedule a monthly payment that would result in closing the account. Well, there was no option, I either had to pay the entire balance to close it or just deal with the cycle of fees.

I fought and fought with what little money I could spare, until I eventually figured food was more important, gave up and told them to send it to collections. And now there sits a notice on my credit report for 1,600$ which is increasing each month. On a card that had a limit of 500$. How I can owe them over three times my credit limit, I do not know. I'm not about to pay them three times the agreed credit limit, but they will not settle for any less. Also, no payments, they want the full amount and not a penny less. But now, of course, I cannot get financing for anything from any bank, which is making it pretty much impossible for me to dig myself out of this hole. Something needs to be done about this company before they drag us all down.

Refund of 199.99 from OmniTech.com on 12/24/2010 have been placed on my account as a hold of funds available. This purchase from OmniTech.com was on 12/12/2010 for 199.99 for repair of my computer, which had only further damaged it needing a person from the Geek Squad to repair these damages on 12/22/2010. After demanding a refund within 10 days, I have received both an email and a recorded phone call informing me the refund had been initiated on 12/24/2010 at 7:51 AM to my credit card. Capital One now has informed me this merchant had authorized a second debit from my account, instead of a return. Currently, all attempts of fixing this issue have failed.

The only authorized purchase by me was on 12-12-2010 through this merchant. This has left funds needed for medical prescription, which needed to be picked up on 12/24/2010, unavailable. Not to include funds needed to fill the gas tank of a U-Haul rented in Portland, Oregon which needed to be returned on 12/26/2010 in Seattle, Washington. I have contacted Capital One by email and phone disputing the charges being held as I have not given anyone permission to charge my account a second time. I have informed them of email received on 12-24-2010 from OmniTech Support: Confirmation of refund initiated which they want a paper copy of instead of forwarding an email copy.

The refund of $199.99 from Omni Tech on 12/24/2010, has been placed on my account as a hold of funds available. This purchase from Omni Tech was on 12/12/2010 for $199.99 for the repair of my computer which had only further damaged it needing a person from the Geek Squad to repair these damages on 12/22/2010. After demanding a refund within 10 days, I had received both an email and a recorded phone call informing me the refund had been initiated on 12/24/2010 at 7:51 am to my credit card. Now Capital One for reasons unknown to me has placed $199.99 of available funds on hold instead of refunding this amount leaving the account $399.98 short with the original charge and refund combined. I have contacted Capital One by email and phone disputing the charges being held as I had not given anyone permission to charge my account a second time.

I am a former employee with Capital One Bank in their Loss Mitigation Department. I have proof that Capital One Bank wants their customers' homes, instead of trying to help them. Please visit my sites. Capital One Bank is placing families out on the streets. Capital One is selling peoples' homes'when they are legally, not allowed. There is proof of this also.

I had purchased services from a vendor at Omni Tech .com to repair my computer on 12/12/2010. This only further damaged my computer and I requested a refund within 10 days. This refund was initiated on 12/24/2010 to Capital One. But instead of gaining a refund from Omni Tech. I was charged a second time and Capital One has put a hold on this amount. I am now without access to $399.98 of my funds with Capital one.

I called Capital One Credit Card Company and tried to pay off my mother's credit card. She had 7,506.00 on her balance and I checked to see the payoff. They told me over 8,000.00 dollars due to the interest of a cash advance that she did over 8 yrs ago! She has paid every month (on time) and they are literally ** her! They don't want her to pay off the card because they need the money that they are receiving in interest from her. She pays 160.00 to 170.00 monthly payments and over 100.00 is going on interest.

They said that she did not pay off the cash advance so she is at 24% APR instead of 15.9% APR. This is wrong! She is a senior citizen and if they are doing this to her, they are doing it to millions! How much money are they making. They are not trying to help the issue of this economy, they are making it worse! When I ask the Senior Account Specialist to speak to higher up, she said that she is the highest and we can send a letter. This is not right and I will go as high as it takes to be heard!

I canceled my Capital One account in August. They said that I should pay the outstanding balance less the membership fee and they would refund the fee and close the account. Three months later, they say that they won't refund the membership fee, even though I've called every month and verified with them that the membership fee refund was pending.

I paid the outstanding amount in full and I am looking for others to join in a class action looking for refund of the membership fee, attorney's fees, interest and other expenses. I have seen many similar complaints here and have retained legal representation.

There has been a class action lawsuit filed in Florida in the U.S. District Court for the Middle District of Florida, Tampa Division (re: Spinelli et al. v. Capital One bank (USA), N.A., et al., 8:08-132-T-33EAJ). The case has been settled, and I am one of the plaintiffs. I bought payment protection insurance for my accounts, which provided debt cancellation when certain events, such as involuntary unemployment, disability, or death occurs, and is an amendment to the Capitol One credit card account agreement.

Capitol One provided its customers insufficient pre-enrollment disclosures about Payment Protection restrictions. I was involuntarily unemployed, and Capitol One only paid for one year of unemployment. I did not know there was a limit. The account ended up becoming charged-off, and now I have been sued, and a judgment obtained for over $1,900.00

My original limit with Capitol One was $500.00. My question is, since Capitol One has been found in the fault for this misrepresentation, what can be done about the judgment? It seems so unfair to purchase credit card insurance and not have it honored. This is an extremely difficult financial period for me, and I want to know what can be done. I am unable to pay this credit card debt especially when the interest alone is almost $800.00 and is accruing at 13%.

I had an automobile accident in late November. I immediately called Traveler's and within two days, a claims adjuster gave me a choice of action and I choose to have my vehicle totaled. Next day, he gave me the necessary legal paper for me to sign so that he can get the papers through with myself authorizing Traveler's Car insurance to finish the remaining payment of $434.00 total payment balance to Capital One Auto Finance. It was signed and ready to go and sent to Capital One Auto Finance with Traveler's having sent payment in hand for six days not including the weekend days.

Capital One sat on their hands and sent me a paper to pay the $434.00 balance. Needless to say, if I had paid after Traveler's had already paid, it would have taken me 90 days to receive money Capital One Auto Finance owed back (by the way, the interest they receive illegally on my money). They are a consumer ripoff; be aware!

Without car renter's insurance, I had to finagle rides to work and rent a car with my money for the long delay. It could have cost me my job.

Back in early 2000, I received an offer from Capital One for a credit card so I got a credit limit of $300. After about 6 months of paying on time, the limit was raised to $1000 without notice. About one year later, I fell into hardship and could not pay it off so I made minimum payments. In mid 2000, I tried to rent a home for my family and my credit check came back saying that I owed Capital One $1500 and needed to pay the minimum payment or I could not rent the home. So I called Capital One and asked them if I only had a $1000 limit, why do I owe you $1500? I was told it was all fees and my minimum payment is $460 so I made an online payment of $465 of borrowed money so I could rent the home.

A few months passed of me making minimum payments and I get a statement saying I owed $1600. I call Capital One again and ask why do I owe $1600 if I make my minimum payments and I just made a $465 payment. They told me my payments were always late because they never made the cut off time of 4:00p.m.and if the balance was not paid in full, the fees would keep rising even if I paid my minimum payments. So in anger, I stopped paying all together.

A few years went by and I get a collection letter stating I owed Capital One $3900 and would settle this for $2900. So I call the collection agency and tried to explain that I only had a $1000 credit limit, well they wouldn't hear anything I had to say. So I try to offer them $150 a month payment plan, I was told no and that I had to pay in full. I did not have that kind of money so I told them I could not do that, then never heard from them again. A year goes by without word then out of the blue I was served with court papers stating I was being sued by Capital One.

So I contact the attorney's office who is handling the case and was told, and I quote "if I did not agree and sign the documents that they were going to take my car and 40% of my wages will be garnished from your employer". I tried to explain to them as well that I did not owe the amount that Capital One is saying I owed them. Their reply was if I had any documentation to prove that I owed them any less than what was asked for, which I did not have so I plead to them that I had a family to feed. And in fear, I did what was asked and I am now paying $150 a month for X amount of years which is so far totaling over $7000.

Recently, while cleaning out old paper work, I find the collection document stating that I only owed Capital One $2900, which is still a lot higher than what I believe I owed them but a lot more reasonable then what they are getting out of me. So I call the attorney's office and tell them I only owed this amount and now have proof and they tell me it's too late, you should not have signed the documents now you owe this amount. I myself and everyone that will hear me cannot believe how Capital One is getting away with doing this to me and thousands of others.

Every time I turn around, I get a credit card offer from Capital One. They checked my credit every month without my consent. This is hurting my credit. I have also opted out and still get offers.

I opened an account with Capital One 4 yrs ago while in Tx. I then moved to Ky where the closest bank is over 100 miles away. This was no problem since I had direct deposit. My plant closed their doors recently and I became unemployed. Unemployment checks do not get direct deposit. So I opened an account locally. Since I did not have money to order checks, I connected both accounts together so I could make transfers from one account to another.

On Dec 6, I scheduled a transfer to my Capital One account. Since I do all my banking online, I kept track of the deposit. It was shown in pending on the 7th but was put in as a deposit on the 8th showing a date of Dec 7. The checks for the bills hit the bank on the 9th and bounced. The bank charged me $35 each on no funds available due to funds being placed on hold. The transfer was supposedly put on hold for 3 days even though my account was showing the deposit. My money was in the bank but they said I couldn't access it.

I called customer service at least 4 times trying to get the fees taken off. They said it was not a bank error. How can my money be in the bank one day and not there the next? They told me that the transfer was put on a three-day hold but the online system said nothing about a hold. It still shows money was there on the 7th as a deposit. My other bank shows it cleared on the 7th but Capital One says it takes three days.

How is it that it only takes seconds to withdraw money from an account but it takes the banks days to deposit it? It's not like it was a personal check. It was bank to bank. This is not the first time Capital One took money. Last year at this same time, I cancelled an automatic bill pay. They paid it anyway and ended up bouncing 7 checks.

Why does it seem like at the end of the year, the bank takes money and says it's not a bank error. even if it technically is? Is it just so they can give their CEOs and managers Christmas bonuses at our expense? When are the American people going to say enough is enough? The banks have more power than what they should have. If my money is there, it should be there.

I tried to cancel my card. Balance is 0, but they refused to do so. I had to wait for the next billing cycle. Next billing cycle came around and they charged me a membership maintenance fee. Called to complain, and they told me, they would cancel my card as soon as I had a balance of 0 dollars. I'm speaking to my attorney about this immediately.

Back in early 2000, I received an offer from Capital One for a credit card so I got a credit limit of $1000. After about a year of paying, I fell into hardship and could not pay it off so I made minimum payments. All of a sudden, they said I owed them $2500. I asked if I only had a $1000 limit, why do I owe them $2500? I was told it was all fees and I had to pay in full or it would keep raising even if I paid my minimum payments so I stopped paying all together.

Well a few years went by, without a word, then out of the blue, I was served with court papers and contacted the attorney's office which then told me that if I did not agree and sign the document that they were going to take my car and 40% of my wages will be garnished and I won't be able to feed my family. So in fear, I did what was asked and I am now paying $150 a month for X amount of years which is so far totaling over $7000. Well, recently, I cleaned out old paper work and I find a collection document stating that I only owed capital one $2900. So I called the attorney's office and tell them that I only owed this amount and now I have proof and they tell me that it's too late and that I should not have signed the paper now so I owed that amount. Hahaha! Sorry.

During the weekend of 11/27 - 11/28, our household received calls at 4:00, 5:00 and 6:00 am from an 800 service. We tried to ignore them, but since they woke us with alarm, thinking that something serious had happened to family or friends, we decided to answer the last call. It was a collection service looking for someone who owed on a Capital One account.

After giving the person on the other end a tongue lashing for having the nerve to call us at this time of day, we made sure we were taken off the call list. I then tried to contact Capital One at their corporate offices to bring this matter up with them. Suffice to say, I was not successful in breaking through their barricade. I am attaching an email I sent to their PR person, Tatiana **. It will describe what has transpired up to the present.

Ms. **:

I am writing to you because you have failed to return phone messages from me for the past two days. Over the weekend, I received a number of calls from a company that is contracted ultimately by Capital One to collect on outstanding debt. These workers have called my home at 4:00 am, 5:00 am, and 6:00 am on a weekend. This debt is held by someone who is not even a member of my household, nor for whom I am responsible.

You can imagine my trepidation as I hear the phone ringing at this time of day. "Surely someone is seriously ill or worse in my circle of loved ones," I think to myself. I was incensed to learn that it was a call trying to collect on debt not even associated with me or my family. I took care of the situation with this company, but I feel that your organization bears final responsibility for this since you contract with them. It is beyond inappropriate to receive calls such as this for a matter that does not even concern me! Capital One needs to stop this practice immediately.

When I attempted over that last several days to contact someone at your corporate headquarters, I was repeatedly routed to account representatives who have nothing to do with this sort of situation. This was after being placed on hold for 10 minutes at a time. When I finally did get through to your assistant, Armir, he was curt and hung up on me because I was upset. He acted as if he had taken my phone number for you to return my call, when in actuality he hadn't. When I caught him in this, he told me he could not help me if I had an "attitude" and then when I expressed my opinion that it was appropriate to have such an attitude when this happens to me, he hung up on me.

Is this an acceptable way to do business? I think not. I would think that those who work in the field of public/media relations would be better equipped and willing to deal with upset consumers. It has become very clear that Capital One has little to no regard for its customers or the consumer at large. Your company makes it impossible for one to speak to anyone except your lowest level account representatives, regardless of the situation. You insulate your upper management and staff from a concerned public, and if someone penetrates that layer, they are dismissed by you or dealt with in a rude manner. This indicates to me a corporate structure which lacks integrity and good moral character.

I have filed a complaint with the FTC against Capital One regarding the matter of the original phone calls. I am informing all of my family, friends and associates of the manner in which your company does business. I am also sharing my story with the media. I would hope that you would address this issue in a responsible manner.

We made a deposit on Saturday, 11/27. Our online banking balance showed us the money was readily available. We paid bills and bought groceries all weekend. Tuesday after checking our bank balance, we say we were charged for overdraft fees for a total of $245.00. We called and were told these would be refunded. This morning, there was three more totaling $105.00. After calling twice, one representative hung up on me. We were refunded only four of the charges. The other three were not refunded. That was our bill money! We had more than enough money to cover all of our purchases. With money left over for gas, now, we are still in the negative and Capital One refuses to refund us our money. I have emailed the governor of West Virginia, speaker John ****, Senator ****, and Capital One. I want my money refunded! We work hard. We can't afford to give a bank $105.00 of our bill money!

I made a mistake when making an online payment from Bank of America to Capital One. Instead of $3200, I made a payment of $32,000. I discovered the error the day after the transaction was done. The bank and Capital One could not "stop" or "refuse" the transaction. Now, two weeks later after many calls to Capital One and many promises from Capital One to "electronically" transfer the funds back to BoA, the funds remain in my Capital One account. The promise today is the funds will be back in my account by Saturday. The representative also said it would take 4 (four) business days. I have lots of confidence that she was making it all up as 4 business days, if processed on Thursday, might result in the money being transferred on Wednesday of next week. Gee, I wonder why I have no confidence that I will ever see my funds again. I guess I could go out and buy a car on the credit card. Don't continue to patronize Capital One. Forget "no hassle" at Capital One.

I recently received Capital One's privacy policy notice, which states that they can share my social security number with other companies. Given the huge problem with identity theft, I'm not comfortable with that, but according to the notice, I'm not allowed to limit their sharing of my social security number with other financial companies and their affiliates. Is it legal for them to share my social security number without my consent? Thanks for your help.

I deposited a check and waited for it to clear (business transaction) and the check was bad and lost all the monies in the account. I was left with a negative balance. Why is the bank not responsible? The bank cleared a bad check.

I was unemployed for over a year 2008-2009, and was a Capitol One Credit Card holder at the time. I made several attempts to work out repayment terms with their customer service department. But my calls kept getting routed to a call center in India where communication was impossible because of the language barrier. After several requests to speak to a rep in the United States, I was transferred and placed on hold many times, always ending with the call being disconnected or being cursed at in a foreign language and hung up on. When I did here back from this phone center in India, it would be in the form of phone calls at all hours of the morning such as, 1, 2 or 3 am.

While I was not making much on unemployment, I sent in whatever payments I could muster and was in a frenzy to find any employment I could. At some point, my debt to them went into default. And the insuing 45% interest ballooned the amount owed to over $7,000.00. Capitol One turned it over to collections in the U.S. My wife and I were subject to a series of harassing phone calls, even going as far as speaking on the phone to my 9 year old daughter and at one point, to a visitor in our home on one occasion earlier this year.

I was called one particular Saturday morning by a collection rep who refused to identify himself. This person opted to yell and scream at me about repaying my debt immediately or be subject to losing my home. He ended the call by referring to me as a, "deadbeat Sand **". I asked him to clarify that, but he laughed at me and hung up.

I enrolled in one of those debt repayment services over the summer. But the service informed me that Capitol One refused to negotiate any repayment proposal with us as they had written off the debt. The latter part turns out to be false, as Capitol One has served me with court documents with intent to sue for the amount owed including interest which is still accruing daily, plus any legal fees they have incurred and/or put a lien on my home.

A few months ago, I borrowed $500 from my extended family and sent it directly to Capitol One with a note to indicate that they accept it as a "show of good faith" to repay my debt. But all they did was take my money. And they relentlessly continued the harassment on the phone until I had to disconnect my house line when the calls became overwhelming and my health and stress level became alarming.

I am a Type II diabetic. This situation has caused me many sleepless nights and my wife much unnecessary stress, not to mention a strain on our marriage. I have returned to work now going on a year. But every day I panic that this company will eventually begin calling me at work and ultimately cost me my job when they bring my employer into the issue.

My wife and I have two young children to worry about. And we struggle every day to maintain a stable environment for them so they don't have to stress about our financial business. I know Capitol One is a big corporation with many legal resources at their disposal. But what they are doing is flat out wrong to us and we know we're not the only ones. I have never shirked on my debts. But this current economic climate has devastated many. And these people should not be allowed to carry on in this manner at any time! I know there are consumer protection laws in place. But it seems those laws don't have any teeth as Capitol One doesn't seem too concerned about what the law can do to them. I hope you can offer some kind of assistance or advice.

After years of being a loyal Capital One customer, I had two cards. A $500 credit line from college days and a $2500 credit line card with rewards. Both were no annual fee when I signed up and had been for years. Recently, on both cards, have a $5 a month "membership fee" which would total $120 a year. I called customer service and after explaining the situation, they said it was due to economic times and that there was nothing they could do. They agreed that Capital One would rather lose a customer and that customer to tell everybody they could to avoid Capital One than to remove or lower the "membership fee." Cut off your nose to spite your face, I say.

Extra $120 membership fee when they can get interest fees plus merchant fees on my purchases. All my other cards are no annual fee (Discover, Citicard, Target visa, US Bank visa, Direct Merchants, etc.). Goodbye Capital One. They won't let me close account until balance is zero. My original agreement with them was no annual fee.

called Capital One agent, they said there was a pattern of fraud activity. I told him all I did was put $23.00 in gas and tried to pay AT&T. That is not fraud activity. The agent said there was other activity, but I know for a fact there were none. Then he said he was not allowed to tell me because he did not know I was me. So he said fax me documents.

On 11/16/2010, I faxed all documents. I called the agent. He said it will take up to four days to verify that it's me. On 11/18/2010, I called the agent just to see how it was going. Agent Aron told me my account was closed on 11/16/2010. He said everything was verified and the account was closed at my request. I asked how can you verify me when it takes four days to verify everything. Then I was disconnected. I called again and spoke with Francis, a supervisor. She said, "Let me check." After 5 minutes she came back on and said it was an error. I asked Francis, "Are you sure? Because Aron, the other supervisor, said everything was verified and the account was closed at my request." She was silent for a moment then said I need more documents faxed. At that time, I gave up because I know I will get nowhere with them.

The closed account will appear on my credit report affecting my credit score. I did nothing for Capital One to say there was odd behavior on my credit card. I know there was no odd account behavior. I asked what other charges were on there. They said they cannot tell me. How can I get this cleared up where it does not affect my credit report?

My Husband and I are small business owners in Wisconsin, we're mason contractors, so construction jobs are very hard. We were with capital one for almost 10 years and me being the person I have to be felt the right thing would be was call Capital One and just give them a heads up and that's what I did but just out of respect we were fine now. But in several months, who knows and they seemed great about me calling just for a heads up and if something came to that they would work with us no problem.

Well it ended up in August, were we really had to cutback but we had tons of jobs and hiring at this point but starting over. I called Capital One to make my payment because they have had us locked out for months on the computer. We have asked so many times and they don't unlock it but I made August and September payments over the phone. The CSR set up both dates for auto from my checking. Well, I didn't like that, she put it August 31st to close for 30 days. I got my husband to pay early and more we sent 4000.00 2000.00 for August 2000.00 for September but on August 18th, we called and asked if we could use one of the checks they sent us. We normally don't use them but had to for this month.

We were told, yes, everything is fine there is no problem and we could use the check for 3000.00 at the same time my husband was doing a loan for a line of credit for the business 'cause we didn't work for several months. We needed the credit for payroll just till we got everything going again plus with expanding but loan dept called and said Capital One reported us as being 30 days over for August. It's only August 18th, how can that be? So, we talked to a supervisor who said he would check it out and get back to us in 3 days. Well, on August 24th, my bank called, told me Capital One returned their check. I was floored. I told my bank that I called and they gave me permission that I could use it. So, on the 25th at my bank, we called Capital One, I was told they returned it cause we didn't renew are new cards but my card is still good till the end of August. And if it was a problem when I called and ask if we could use the check for 3000.00, why not say something then.

So, a supervisor talked to my bank manager and told them that it was a mistake and they could accept another check in which I said 3500.00 because they drained my savings top cover checks and massive bank fee's and we would figure out the rest later but again was promised that the check is good there's no problems, that they can deposit into our checking, so our bank manager did. We still heard nothing about reporting us to the credit companies but on August 31st, my bank called me, to tell me again that Capital One sent the check back again. Now, that has been 6500.00 in then right out my house payment was used for other checks. I was so in the whole.

They completely broke us. I'm 100% disabled, I couldn't even get my medications or my husbands who is on 3 types of high blood pressure. All we got was just major run around, nobody noted our account, so when someone would read it nobody could understand it, my husband called and we have passwords and one CSR told him he had to go to a bank and show them his ID. and call back to let them know that he is who he says he is. Why did we set up these passwords, so there were no crap like this.

Well, we are into November, I called their fraud department. They did help us the best they could. They put the 3500.00 back but I was given 100.00 for our troubles in which Capital One is charging me for and saying we are now over our limit but one thing they sent me letters. I don't think they realize what they did and I have, so I want to find an attorney because I will not make a payment. I have called so many times to try and work this out but they expect us to eat this major loss

I have a credit card with this company . I have never been late; I cancelled my card due to this fee. I was told the fee would be dropped because I cancelled my card. I said that's fine. My payments have gone up but I'm still paying on time. Last month, Oct. 2010, this fee is back. I called; now they are telling it's because I didn't pay my card off. I ask where does that say in my contract. She(supervisor) said, "you don't have it, we do." I ask for her to mail me a copy. She said, "We can't do that. You have to take our word for it"! As crazy as that sounds, it's the truth. What can I do?

Let me start by saying that Capital One is probably the worst bank I have ever dealt with. My first encounter with them was trying to redo my mortgage. My wife had lost her job and her unemployment was going to run out. I called and spoke to a person about a refinance on the mortgage, come to find out that Wells Fargo holds the mortgage, they just service it. I told her I didn't know that and she told me I didn't need to know that.

After about 20 minutes of going back and forth to try and refinance or redo the loan, they told me to sell my house and buy a less expensive house. How rude and uncaring they are. My second and last incident was using the bill pay online. I had scheduled a mortgage payment for the 12th of November, they paid it on the 10th causing an overdraft--costing me $35.00.

When I called, they would not credit my account, and said that because it is a bank check, they have no control over when it is presented. I do understand that and explained that I have seen my mortgage payment sit on pending payments until the day it was due. When I asked why this had changed, they said nothing that made sense. They would not credit me my $35.00. Solution: I have opened a new account with a Federal Credit Union. Before they got into the banking business, they had a bad reputation with their credit cards. Now, they want to have a bad reputation as a bank.

Capital One has called numerous times a week saying that a statement has been returned; however, not in our name. I have asked them to stop calling, but they said not without providing a SS#. I said are you out of your mind? I know my rights. I have contacted our local police who said BBB should get involved.

I have been trying to close my account with Capital One with no success. I have a $500 credit limit with a balance of $459 and was told that they will close it after I pay it off. This is outrageous. This is the second time I tried to close my account. Is this legal?

In August 2010, I received an offer from Capital One Credit Cards for a balance transfer from other accounts at a 0% interest rate. I completed the balance transfer on September 8th and paid them $86.98 for the transaction. I have always paid the purchases portion of my credit card statements off monthly in order to receive no interest charge. I paid the purchases off in September and paid additional to be applied to the balance transfer portion.

I then noticed an interest charge on my October statement. I was told that I now have to pay the entire balance off, not just the purchases portion in order to have no service charge. I asked and spoke with a supervisor who told me this was incorrect and did not have to pay the entire balance, just the purchases portion. They credited back my interest, and said a new statement would be sent.

Never received. Followed up and spoke with a Sr. Supervisor who said that in fact I would have to pay the entire $6380 balance off, not just the $2254 purchases portion in order to not receive interest charges. This seems absurd to me in that I would have never done the 0% balance transfer if I knew I had to then pay the whole thing off.

On November 08, 2010, I noticed a charge from Capital One on my Bank Of America bank statement for $77.00. I was surprised because I didn't authorize for them to take a payment from my bank. I called and found out that on November 6, 2010, one of their collection agents, found out in the system that I authorized a payment and made a payment plan with them, which I didn't.

The agent's ID number is ** and they claimed that at 8:30AM they called **, (which is not my number), and we agreed upon a promise to pay. When I called Capital One, they told me that my money would be returned to me by that Tuesday. When it wasn't returned on Tuesday, then it was Wednesday. Needless to say Wednesday came and still nothing. I have complained and spoke to my bank with no results. I'm concerned because what was done was theft, plain and simple, and I would like to know how many other customers are they doing this to? I want to file a class action lawsuit, because what they are doing is illegal, and I'm sure it's causing hardships on people. I have a 9 month old daughter, and that money was going to go towards her daycare, which I can't pay now.

I'm really upset and want to know what my rights are, and who should I contact about this situation. The customer service reps have all been useless and uncaring, except for one named Michelle. She was the only one who tried to help me. Capital one needs to be stopped. They can't just go into people's bank accounts when they chose to. I have been unable to pay bills and get items that are needed for the care of my daughter, such as diapers, milk, and gas, to go to and from work for the week. They have caused a hardship.

I haven't received a bill or statement in over two months now. They told me that they attempted to send a new credit card to replace the one I have that expired this month and both times, it was returned to them undeliverable. They confirmed that they have my address, and the Post Office has no explanation why it would be returned unless they didn't put the correct address on it. They mentioned that it may have the wrong bar code address on the envelope that may cause it to be returned undeliverable but clearly, this is a Capital One problem not theirs.

I've called and emailed them at least ten times now. I refused to talk or deal with their Indian call center and now I am no longer able to access the online site to see a statement since a supposed new card has been issued. The account number I have will not open the site any longer. I feel that they are just trying to piss me off to pay off their card. I do plan to do so soon but for now, I need to pay a payment so they don't turn in a bad credit report on me. This is crap. Do you have any suggestions.

I have a Capital One account with a limit of $5,000.00. I have paid it off many times but they refuse to update the payment to reflect that it has been paid off. That is, if I charged $1000 leaving $4000 available credit, then I make a payment of $1000, the website shows part of that $1000 payment applied to the amount charged which is $950 and some of it left as a credit balance of $50. When I have a credit check done, it shows that I have never paid the card off completely even though it has been paid off many times.

I had a $500 credit limit on my Capital One. I was clearly under the limit at one point because I had made regular recurring payments monthly and have not charged on the account. Months later (from May to November), I received calls from company. They retorted that I was $274 over my credit limit and my account was now in their Collections Office. I asked the representative why all of a sudden my account was over the credit, as I have made payments and have not made any charges since May. They retorted that my payment for May had bounced and thus, a late charge was incurred allowing it to go over the limit.

Every month, it was over the limit and they charged me $39. When I asked to speak to Customer Relations, the representative said that I had to clear the $274 over the limit fee first. I was outraged as I asked to speak to someone who would be able to help and then a supervisor was placed on the line and continued to convince me to pay $274. She could do nothing to remove charges. I felt gouged and hurt and asked for a stop payment until I can get a debt relief company to help but she said that she would send a stop payment form and it will take two months (two business cycles) before it stops. I felt very bad at this point because they could not honor my request even though I have been diligently allowing recurring minimum payments monthly.

Capital One and other creditors like them should be disciplined because of their practices. This once was an America, where we could freely trust our banks to protect us and our investments. Now, they are the monsters that destroy our people and our nation. The main war on terror is not the Middle East, it's within the boundaries of USA. I got economic and mental trauma due to the gouging effects of Capital One's practices.

On Monday, November 8th 2010, I received a call from a lady who said that she worked for Capital One. When she called me, it was around 4:15 in the afternoon and I was tied up trying to fix dinner and I told her to call me the next day. She was trying to give information on the phone and I said to please call around 11am because I could not get to a paper and pencil because my hands had stuff on them. She directly asked me if I wanted to cut my interest down on credit card and I told her that I would talk to her the next day.

On November 9th, she returned my call like I requested her to do and as we were talking, I was taking down the information she was telling me on how I could cut my interest down on my credit card. I asked her if I cancelled my card two years ago, why am I getting charged interest on a card I don't use and I don't have. I even sent it back all cut up and told them to cancel my account.

As she was telling me the address to where I could send a payment, she was asking a little more personal questions about my financial situation. I told her I could send her $50.00 today, and then she wanted to know how much money I had in my bank account. She also wanted to know how much money I was receiving on my unemployment and I told her that it was for me not to disclose. I also told her that for two and a half months, I did not receive any money until lately, and this time my unemployment is going to run out. She asked me how far the bank was where I lived and I told her 47 miles away. I told her that I live in a small town where there is not much work is happening, and I have tried to get a job several times but I am 57 years old and they are looking at my age now, and it is not easy.

As I was trying to write the information she was giving me to where to send the payment, she asked me to repeat it to her and as I was repeating the address back to her, she was getting upset. I tried to listen to what she was saying but as it was not my fault, this woman did not speak good English. She had an accent and a temper then she hung up on me.

If you're going to hire someone to take calls for people, make sure that they know how to use proper phone manners and speak good English. I was trying to get the information down the best I could and I even repeated myself to her but she was loosing her patience, and hung up. How rude.

I lost my job over two years ago and in this time, my mom passed away. Other things happened to subside in my life beside struggling to pay bills and trying to survive then have someone call me and hang up when I am trying to at least make a partial payment and get the information down. She wanted me to make $200.00 payment this month. I am trying to do the best I can but having impatient people on the phone does not make my life easier.

It is stressful enough to live now and I feel Capital One should not charge people interest on cards they don't use; check my account on when I used my card last. Why should people pay interest on a card that they don't use and hassle people on the phone over money they don't have. I am suffering enough with the way the economy is, and I tried sleeping at night, wondering if the next day if I am going to have a meal or not.

My due is the 27th of each month. I made a payment after 5:00 pm and I was charged a late fee. I think that is abuse because when a payment is made before 12 midnight it is still the same day. Late charges should only be applied when a payment is late, not the same day it is due. I am very upset with all the extra charges that is being applied to consumers.

I never missed a payment on any bill since one time in 2001, however, last November 2009, between salary cuts, raised rent, raised interest rates and an injury--the perfect storm. I couldn't pay my rent and my credit cards, I started to miss payments. I called my creditors to see if they can help me, skip a month, lower interest anything and I had cooperation and assistance with all (even with Bank of America), but Capital One wouldn't help at all and continued raising my interest rate.

I couldn't pay anything but my rent and the lowered bills. I stopped paying and told Cap One over and over my situation. They could do nothing. My family has helped me a little, so in July, I called Capital One to see if there was a way to get a payment plan and to take off all the extra fees and late charges.that was now almost double my bill. They said, the only way to take all the interest charges is if I pay the entire balance off at once and give them $1000 tonight. I couldn't do it.

It then went to collections in August, I called collections if there was a way I could get a payment plan or do something. The collection agent says, the only way to not pay all the extra fees and interest is to give them $1500 immediately and I told them I couldn't do tonight, but would see maybe in a week or so if I could work something out, the agent goes if you do not give us $1500 tonight and give us your checking account info right now I am reporting that you are not cooperating.

This woman comes on the phone and starts screaming at me and says the only way we take off all the fees is if you pay the balance in one payment and you have to give us $600 today. I told her I can not afford that, but still asked her I needed information in writing before I pay anything, then she starts yelling at me how she wasn't sending anything in writing since I ignored my statements that means I will ignore letters before, so they are not sending anything in writing, I have to give them my checking account info to get the $600 out. I said, "No way." (She also started yelling amounts I paid other creditors which is none of their business.)

I called you to work it out, so I why wouldn't I open my mail and they really think I am giving them my checking account info and paying with nothing in writing. I hung up. I called a few times again to Capital One to get some voice of reason who can help. Also, give me my correct balance since I can't get a straight amount with the fees and can't get a straight answer on what I need to pay to get the fees off. Needless to say, I am paying nothing back until I get correct information in writing, so after numerous attempts to get someone who wouldn't transfer me to the collections, I reached someone in Cap One customer service who took all my info and is going to call back. I have heard nothing yet.

I feel Cap One puts so many fees and ups interest rate to get people trapped and then doubles and triples the original bill. When you call to get help to start paying, they say you have to pay all the interest and fees unless you pay the balance in one lump sum, which most people can't or they wouldn't be in the position in the first place, and by demanding your checking account (which no one should ever do) and not sending anything in writing (again, no one should ever pay without a statement in writing) you can't pay at all and they keep on racking up the fees and charges which I think is there plan in the first place. Since, I have a friend who once worked in collections, Capital One already sold off my account very cheap to this agency. I was wrong to be late, but I tried in good faith to work something out numerous times.

Capital One called me about over the limit fees. He didn't explain the new law to me about the over the limit fees; he asked me if I would like to be able to go over limit for a fee. He didn't tell me that if I went over the limit I couldn't charge a fee if I didn't agree to it. So I said okay. Now after learning the new law about the over the limit fees, I am battling with them about this fee. I don't mind paying an over the limit fee because I went the limit, but they are charging an over the limit fee each month until I bring it under the limit. If I had known that I would not have agreed to it.

We had to begin making much lower payments on our account as we could not make the payment to Capital One and still pay our mortgage and living expenses plus all of our other bills. Twice now, I have spoken with an agent who has agreed we can pay a much lower amount of $60 monthly for a certain amount of months. Although this is exactly what I have been doing through "payee" on my checking account, Capital One calls our home at least 6-7 times a day, daily.

My husband became unemployed in December of 2008; he has been on unemployment insurance for nearly that long. After several extensions, the unemployment will run out the end of December 2010. Concerning the mortgage and at this point, we are unable to pay it when it is due but due to his SS check, we pay it within the grace period each month.

When I have talked with them and tried to explain most honestly our financial situation, I am asked, "Couldn't I do this or couldn't I do that? "It is like they truly do not hear what I am saying and believe I am withholding full payments just because I don't want to make them!

I truly, truly would give nearly anything to be able to catch up with the past due payments and then continue their stated payments each month until Lord willing, the balance is paid off. We simply cannot do this. I do not know where to turn for help to keep them from harassing on a daily basis and to keep them from calling many times a day.

I quit answering the phone altogether nearly a week ago. Speaking with them gets me no where at all. I need help as I (wife in this situation) am the one that handles the bills and the payments we need to make. I am pretty much alone in trying to keep our heads a little bit above water.

I applied for Capital one credit card I never received credit card. I never activated credit a Capital One card. I get a call from Capitol One that there was suspicious activity on my account. I received a statement with a $500.00 credit limit and no charges on statement. Next, I get a statement with past due $39.00 interest charge. I sent letters to cancel account. They would not cancel account, then I sent letters disputing interest. I got a bill for $54. I did not want this on my credit so I paid the $54. Capital One will not cancel my account or refund the $54.00 I still received a statement $500.00 credit line.

I have been charge $45 on a zero balance credit card. The representative say it's a Capital member fee. I have already paid $15 and told me that Capital One has charge me $45 since 2007. I cancelled my card because of this issue. Now they say my $45 will be waived and I no longer owe them $45. They are going to credit me the $15 dollars I paid. This caused stress, anxiety, and headaches.

My son turned 18 and I helped him apply for his first credit card and got it through Capital One. I clearly remembered a check box for applicant who opted to have credit protect program which we didn't check off. After my son received his first statement, I noticed he was charged for it. He paid his card in full without thinking about it. Then when he received his 2nd statement, he was charged again, in addition to a $5.99/mo credit inform service. I asked my son to call Capital One and tell them that he didn't sign up for those services and he'll need his account credited. He has to call them separately at two different numbers although they're all part of Capital One.

He was on speaker phone so I can hear everything. Of course, each rep started to stressed the importance of both services and why he should have them. That's not even the point! They have no right charging my son services he didn't authorize! Then when he asked for the credit, the rep said he'd do that but asked if my son can go ahead and pay the minimum amount on the statement in case it's not done in time and he's charged late fee.

That's when I got on the phone and said to him that we don't care if there's any late fee charges because we won't pay for it anyways since the charges were not authorized by us. Then he said alright. I think it's absolutely unacceptable that Capital One can charge people's card when it's not authorized to make money. Not everyone review their monthly statements carefully and I wondered how many people have been scammed for services and paying for it without even knowing it. This should be considered fraud!

I received statement from Capital One bank and my interest rate was increased to 17.90%. I called Capital One, spoke to customer service representative and supervisor of accounts. They both informed me that letter was sent to me in 2/2009 about increase. I never received this letter and they informed me that reason for increase is due to economic changes. I am always on time with my payments, never late. I feel that they should have not done this. It is not right.

I opened the account in September 2008. I got behind on payments to the point that Capital One issued a letter to file legal action against me in order to satisfy the debt. I paid the debt in full on April 2010 after I was told that the account was non usable/closed.

I was happy with that because I wanted nothing more to do with credit card debt. One of the issues with my payment, however, is that I mailed it certified letter March 16, 2010 and it was not processed until (I think) March 24, 2010. After many calls and verbal and written confirmations that this account was closed, I still kept getting these statements every month. I called each time insisting to get this account cleared. I was concerned that I was going to get an annual member/service fee.

Low and behold this Saturday October 30, 2010, I received another statement with a balance due of $54.58. I knew it! Well, as I mentioned, in the last letter that was sent was a certified letter again. I was getting in touch with my attorney to resolve this once and for all and that is exactly what I'm doingwith a vengeance, I might add. They have harassed me for the last time! I certainly hope that this helps anyone that has had issues with Capital One. We'll see what my attorney has in mind.

I called Capital One and went over the bill with the employee and she was going to check on the problem and call me back.

She never called back, so I called the next morning and spoke to Brenda and she was finally able to make some resolution. However, Capital One uses any devious methods to try to increase one's charges. The issue was that I was short $1.00!! That is outrageous. I have always paid more than required or paid it off and yet they have twice tried to ruin my credit and make me look like a dead beat. So to placate me, Brenda removed the charges and gave me an extra 1000 miles.

Thank you but I spent nearly two hours trying to have this fixed and just the fact that they do not recognize overpayment on bills is just one of the reasons that I find this company as crooked. I have destroyed my cards and will never use Capital One again and will continue to tell everyone what a horrible company they are. I wanted them to send a letter of apology to the wine company but so far that has not been confirmed. I could go on and on but it would take a volume of paper to list all the problems with this company. I just think they should be looked in to.

I was sent an offer in the mail back in 1996 to sign up for a Capital One Mastercard. Though I just turned 17, I thought it would be a great idea to go ahead and start building my credit if they would give me a credit card. I received the card in the mail with a $200.00 limit. I never received a single statement from the company, but by calling the number on the card, I was able to track down an address and having the original letter, had the account number, so I sent in payments.

After several months, I realized I wasn't being very responsible with the credit card. So I called and spoke with a rep. at Capital One and asked how much I owed and told her I wished to cancel the card before I got in to trouble with it. She stated $200.00 would pay it off and they would close it out. I sent a check for $200.00 that they cashed and it cleared.

In approx. year 2000, I received a phone call from a debt collector stating that I owed over $600.00 on the $200.00 card I had. I told them no I didn't, that I paid it off and closed it. She said at the time the account was closed, I still owed $15.95. I said that they state when you call that they record all the calls, I told her to go back and listen to the recording. She said they apparently didn't have the recording from my call. I told her I had the lady told me to close the account. It would be $215.95, I would have paid $215.95! I told her I was in a good mood and would pay them the $15.95. They said I owed even though they had a mistake somewhere on their end. She said I was gonna have to pay them the over $600.00. Then I went on to state that it is my understanding that a person has to be 18 to receive a credit card. She said yes. I said look at the dates, I was 17 when I received the card and 17 when I canceled the card.

She said, "Oh my goodness, yes you were!" I told her that if they want to take me to court over this matter, I'm sure the judge could figure out from my date of birth how old I was. She stated that she would take care of it and quickly got off the phone. Present day: Now, I have never had another credit card since the one bad experience. I'm turning 31 next month, and today I received a settlement offer from a debt collector by the name of Portfolio Recovery Associates on a Capital One card with a balance of $990.20! My first thought was what is this. After calling the recovery company, it is for the same $200.00 credit card I paid off when I was 17.

This is completely ridiculous. This should have been off my record years ago. I am at my wits end with Capital One! Now the recovery company is wanting me to fill out some dispute forms and send them back. I am beginning to think I might need to involve an attorney. I would not recommend anyone to do business with this company!

I have never opened any type of account with Capital One or even stepped inside a Capital One branch office for the matter (I live in Wall Street Manhattan where the sidewalks are lined up banks). For the last 30 years my financial associates are CitiBank, Chase and Amex. I have a long standing relationship with them as they manage my personal and business accounts. It is obvious that I did not need any additional financial institutions or cards.

To my surprise, several years ago I found out, via my Credit Score report, that I had an account with Capital One. I immediately contacted them by phone and I was told that the matter would have been taken care of (they could not provide me with any evidence that I had personally opened the account). Since then, I have noticed a "charge off" appearing on the credit score reports.

Soon after, I got a collection agency harassing me every other day, calling my house, my office, talking to my colleagues, etc. To add insult to injury, I have been sued in the Civil Court for the amount plus interest (about USD 6,000)! I have started an official investigation with Capital One, Experia, TransUnion and Equifax. I don't know what to do anymore to stop this madness so that my credit will be restored to excellent (as it used to be before this Capital One mess). The situation is detrimental for both my financial and my image.

I finally got my Capital One Visa card to a zero balance. Two months went by and I received a letter in the mail from Capital One stating that I was going to start being charged a monthly membership fee for my card.

The letter stated that this change was because of my credit report. I immediately went to freecreditreport.com to view all three bureau reports. I discovered some inaccurate information. I contacted the credit bureaus and got the inaccurate negative items removed. I then contacted Capital One and spoke with both Ashley and Francis who both told me my only option was to pay the fee or close my account.

I cannot believe that Capital One would rather lose a card holder than remove a fee that was imposed based on inaccurate information. Beware of Capital One.

The day before my direct deposit is made, the bank charges NSF fees for items they say are pending. They tell me these funds are frozen; but the day before direct deposit, they run them thru and charge me even though I have the money in the account and prove it to them. I won't go into what they say due to the fact that it is all lies. I show them their own receipts, and computer print-outs from their site. Now, not only are they charging NSF fees, but they are returning items and saying the same things again. I have receipts of deposit that they will not honor. What the heck! I go to talk with them and I get told to take it or leave it. They laugh. What has happened to this country?

Things are bad enough with our economy. We all try to make it with what we have, but to have a bank rob you and do it with total disdain is rough to say the least. They charge me $35.00 for $0.09 over, or so they claim. Just this payday alone, they hit me with $210.00 in NSF fees including a fee for their fee. I know a bank has to make money to pay for their employees, but why rob their customers to do it? I am so stressed about this and financially put in a bind.

On October 19th, I logged onto the Capital One website to check my account balance. I was surprised to see that I had a negative balance when I was expecting around two thousand dollars to be available. Thinking it was a simple electronic error; I went to the local branch by my office building and sat down with a "relationship banker" named Jerry. He told me that it looked like my mother's account was overdrawn and because her name is on my account, they took the money she "owed" from my account, approximately $1800.

After speaking with my mother, I learned that she had closed her account and opened a new one with Capital One. A debit must have been pending during that time when she was in the process of closing her account. I went back to the Capital One bank with a print out of my most recent statement to get further details as to what happened and why I wasn't notified.

Jerry was busy helping someone else so Linda ** helped me. She told me that $1300 was originally taken out but was then returned (which I knew from my statement) but that my mother did in fact owe the bank in the amount of roughly $1800 and that was taken out of my account because her name is also on my account (which I opened with her when I was a child and have kept for over 20 years). Linda then advised that I close out my account because that was the only way to take her off of my account to avoid this happening again. After accepting the fact that I was never going to see my money again, I decided that I would close out my account that Friday, October 22nd once my direct deposit pay check had been deposited. On that Friday, I walked into the same Capital One bank, saw Jerry, and told him I was there to close out my account. He pointed to the teller.

I walked to the teller and told her that I was there to close out my account. I filled out a withdrawal slip and was given the balance on my account in cash. I asked the teller, "Is my account now closed?" Her reply was "Yes". Once back to my office, I went on a few websites to cancel any auto-payments that I had linked to the Capital One account. I was able to cancel all but one, my car payment through Lexus Financial. On the following Monday (October 25th), I tried to cancel the payment again and add my new bank account information. I saw that the current payment was being processed. I called Lexus Customer Service to see if they could cancel the payment. They said they could not because it was in progress but that if the account was closed, it would get bounced back. I then logged into Capital One to make sure that my account was indeed closed as the teller had told me it was on Friday.

In fact, it was not. It was still active. I was concerned that the payment would go through and then I would be in the same situation that happened to my mother where her account was overdrawn and she owed the bank. I called Capital One Customer Service. The woman I spoke to told me that she can put an immediate close on my account because what actually happens is that if the account stays a $0 balance for 5 business days, then it rolls over into "closed" status.

This was not what the teller had told me. The customer service rep then said that she was emailing the department that is in charge of closing accounts and assured me that they respond immediately and all it would take is for them to open her email and take action. I asked her if there was a way to put a hold on my account so that nothing would go through in the interim. She said no but that she had already sent the email and my account should be closed shortly. Not satisfied with leaving this up to chance, I went into the same Capital One and asked to speak with a branch manager.

I spoke with a woman named Seema. I explained to her my situation and requested again that my account be immediately closed. She put a hold on my account so that the Lexus payment would not go through. She put comments on the account that said not to put through any transactions as the customer has requested that the account be closed. She assured me that she would check every day and calls me when my account was finally closed. This was yesterday, Monday. Today, Tuesday, October 26th, I checked my account at Capital One again, the Lexus payment is being processed and from my view, my account says it is negative $643.37.

I went to Capital One this morning and spoke with Seema. She told me that she would call the branch where this transaction was being processed to find out why this was happening since there was a hold on the account and notes to not process. After speaking with the manager at that branch, Seema told me that because it was an "opt-in" payment that there is a chance that they cannot deny the payment and it will hit my still open account. But I have to wait until tomorrow to see if the payment gets fully processed.

I had two Capital One credit cards with a $200.00 limit and had Payment Protection Plan coverage on both cards. I became ill with numerous health problems and was unable to get a doctor's release to return to work. All of doctor said was that my health problems were too numerous to repair and releasing me to work was too much of a liability. I was also refused by the Texas rehabilitation commission; they said in reviewing my medical records that even with rehabilitation I was permanently disabled and would never return to work.

Capital One contacted me and stated that I owed over $1500.00, but they would work with me settle for $501.00 and have it removed from my credit report. They said that on the one card they did not have a record of me filling out the required claim; on the other card, the first payment that was due on the Payment Protection did not apply since I got sick before I sent them the $501.00 via Western Union. The cards are still listed on my credit report.

I am out the $501.00 plus interest. My credit applications are being turned down because the cards are a black mark on my credit as a charge-off. This had to be done right then or the offer would be withdrawn, so I was out in the middle of the night trying to find a Western Union representative to get a money order and confirmation number, then call the Capital One representative back with the confirmation number.

I am a quadriplegic. I went to CheapTickets.com to purchase for caregiver's daughter (Guadalupe). A day later, I find out it's the middle name (Vilma first). If you go in site (booking ticket), you see: they provide opportunity to ''change traveler's name''. When I tried, they want extra $200.00. I said no, same person. I bought another ticket through American Arlines (same card/person). I notified Capital One. American Airlines said, "She's not flying, fix this!" I paid everything I owed. I returned the card and Capital One says, "Wait until Amber bills you." Now, there's a problem.

They let you charge over your available credit so they can collect fees and they get some kind of pleasure doing this. No one there speaks English, which makes it impossible to fix anything. They let internet companies commit fraud on your card and they won't close your account. I don't understand why they get a B+ rating when there is over 9,000 complaints out against them. Will someone explain this to me please? How can they be rated the #1 card to have in your wallet? What is happening to America?

Capital One has called me 29 times in three days; earliest was 7:30 pm on a Sunday. I finally was able to pick up and they told me I was four days late on a payment. I paid, and again the phone is nonstop.

I have cancelled this credit card back in 2008 and 2009 by phone when I received the credit card. Then in 2010, I received the credit card again and called to cancelled again. They threatened me to ruin my credit if I didn't pay the annual fee. I refused to pay the annual fee since I cancelled it. I am now stuck with a ruin credit rating because I'm in war with this stupid people at Capital One credit card. I did pay in full in balance 2008 and 2009, then cancelled. It seems they're not listening. Should I write lots of letters to force them to cancel the credit card if I go to a lawyer?

I paid the credit cards settlement in Oct. 2006. After 4 years, I received letters from Cap 1 saying I owe them money on two cards. I did receive a final settlement letter from CC but I do have proof that I made payments on these accounts as agreed with Cap 1. They are refusing to update their statements on my credit reports and are dating these charges with a 2010 date. How can I get help? Who can I contact?

I retired from being an LPN in 2007. I was made totally disabled in 2008 due to I have COPD asthma, degenerative spine disease and anxiety attacks due to breathing problems. I paid for this protection. I was under the idea that my protection would pay when I could not. I attempted to work but had to quit due to breathing problems. I live on a small pension and cannot make the payments. I am on seven breathing problems and was hospitalized in February 2010. Please help me.

I currently have a credit card debt of just over $700 with Capital One. This, I accept. The account is delinquent, and they would like me to pay off this debt. This, too, I accept. Capital One has multiple call centers to deal with its expansive customer base. Again, this, I accept. They like to call periodically to see when I'm going to be sending in a payment next, and how much it will be. This, I begrudgingly, tolerate. There is a limit, however, to just what I will tolerate.

For the past month, it seems that I have been getting an average of five calls a week, sometimes as many as four a day from Capital One. I have repeatedly told them my situation, and asked them to make a note of it in their system so that the next person scheduled to call me can see that I can't make a significant payment at the present.

However, it's almost a sure thing that I will get a call from someone asking to speak to me to set up a payment over the phone. Not only have I repeatedly had to relate my situation, but I've had to repeatedly tell them that I can't make payments over the phone. I have no bank account, or any other method of sending money electronically. I have asked them repeatedly to put that in my notes; and occasionally, whomever's calling me will actually say that they see that fact in the notes.

Also, I said before that I can accept that Capital One has multiple call centers. However, it gets redundant, annoying, and more than a bit depressing, to constantly have to say that I'm effectively broke, and can't honor my debts at the moment. Recently, they have tried the tactic of asking if I have a friend or family member that can lend me the money. I tried to point to them the glaring flaw in that plan--being that I may have CapOne paid off, but I still owe $700 to someone else--to which they reply, I assume as an attempt at humor, that the person I borrowed the money from won't charge me interest. True, but it's still $700. No one I know has $700 they can part with for any considerable amount of time; a fact which I have had to explain every time the subject is brought up. Besides, creating a new debt to pay off an existing one is redundant and outright stupid.

CapOne has also tried the quasi-threat that if I don't pay something soon, the matter will be turned over to a collection agency which will damage my credit report. Well, you know what, my credit report is the least of my worries at this point. If I had to come up with $700 to keep my car from being repossessed, I still couldn't come up with it. The simple fact that I don't have $700, nor any conceivable legal means to get it, just doesn't seem to be getting through to the faceless voices on the other end of the line.

To that point, the operators at CapOne seem incapable of breaking script, or even thinking on their own for that matter. They are, I assumed, trained to rigidly follow their script, and to treat any divergence from said script or acceptable answers as wholly unacceptable. And if you try to interrupt them, they simple plow on with their rhetoric, forcing you to yell into the phone to get them to stop and listen to you. And no matter what any of them say, they do not care about you. The only thing they care about is getting the money owed to CapOne.

On a side note, I had a Payment Protection plan that I paid for on my monthly bill. This is a plan for--if I were to be laid off or unable to work due to disability. However, while working, I was only making enough to where I could send them from $5 to maybe $20 dollars a week; which was not enough to counteract the late fees and interest. However, since I was employed, Payment Protection could not be activated.

When I was laid off, one of the first calls I made was to CapOne to activate my PayPro benefits. It seems, though, that because my account was delinquent for a specific number of days, PayPro benefits were suspended. How fortunate for them that the cutoff mark was less than 24 hours after they charged me for the service. They initially told me the number of days before the service would be suspended, but then changed it after I called them out on the fact that it would've meant that they charged me after the suspension date.

They quickly corrected themselves, and said that the first figure I was given was a mistake. Of course, it was. You know, in all the calls they made to me during the past months, maybe they could have mentioned the upcoming suspension of my PayPro benefits. But no, the terms I agreed to would have told me all I needed to know, according to them. Maybe, but how could I have predicted that the situation would arise where I was uneligible due to work--but not making enough to keep the suspension from happening?

CapOne, as a company, of course, is not required to do anything more than the bare minimum. They don't have to be lenient, they don't have to care, and they don't have to be helpful. The only thing they have to do is abide by the law, which is why, of course, they have such long, wordy contracts. They detail everything they want to be able to do, and bank on the potential cardholder to either not read, not comprehend, or not know how to amend the contract before signing. In truth, I don't think there is a way to amend the contract before signing. If you don't want to sign, they'll find 10 other people who do. I think I'm starting to lose the point here, so I'll sum up.

CapOne will not work with you on your debt unless it involves them getting money on a regular basis. They will not allow for the fact that you barely have money for food or lodging. They want their money and, to be honest, they are entitled to it. Just don't expect anything less than five calls a week from a different person every time until they get it.

John **/Inc Fortune/Capital One. This is an update regarding my previous complaint filed here involving Capital One and their refusal to process a charge back for a predatory internet marketing program run by John **.

Update! As previously noted, a lawsuit has been filed on behalf of the internet fraud victims of John ** and his minions who literally stole money via credit cards, bank accounts, etc., from unsuspecting individuals, many elderly and/or disabled, for a supposed internet marketing course which was actually nothing more than a premeditated moneymaking scheme by unscrupulous crooks. Please go to this link to access the lawsuit and multiple allegations levied against John ** and his cohorts.

I recently received a letter in the mail about the class action lawsuit and would like to get more information about it. I was trying to pay my debt off with them, but the fees kept accumulating.

I have had Cap One for some time now so my purchasing history should be well established. The called to look at fraud but they mentioned an electronic purchase and a music purchase, both of which are common. They failed to flag an Asian dating services and flowers to China! Going through their fraud department I have never spoken to the same person twice. I was paying it off so I could close and thought I had scheduled a payment but could not see it on the computer as a pending payment. They ended up taking out 2 payments and have $1200 of my money that I can't get back for better than 2 weeks! Yeah, Cap One is toast. Chase called me within minutes of a purchase of airline tickets with a card I had there (this card is only used for my mom's pharmacy and a onetime use for durable medical express which turned out to be the source of the theft).

Received a credit card offer from Capital One, got 300.00 credit limit was raise to 1000.00 after paying on time. Fell into hardship, could not make any payments for a 4 year period. Then I was sued by Capital One for 7000.00$ and am make 150.00 a month payments have documents to prove it.

Could not afford to get my wages garnished or my car taken, so I agreed but feel very robbed over this! How can I owe a company a 1000.00$ and get squeezed for 7000.00$ through the court system. Someone please help me. I will fax all my documents if needed please! Nobody cares!

Capital One does not list any promotional end dates under your account details online and/or on monthly statements. I unfortunately missed the end date by a month and they are unwilling to waive the interest even though I paid the balance in full by the following due date.

I settled in court with Capital One who stated they lost two checks of mine and then paid my bank stop payment fees. Then the two checks that they claimed were missing, which I eventually replaced to pay them off, were deposited into my bank account after several months and were cashed totaling $1,000.00. I did not authorize or have knowledge of this.

I have given their lawyers time to settle this out of court and would like to be reimbursed the full amount of $1000, but their attorney played cat and mouse with me today only offering $970.00 back which does not cover the $1000 they took and overpaid themselves with.

I had a credit card from them and was paying for protection fee so that if anything happened I would be covered for a few months. Well, I happened to lose my job a year and half later and when I called to place the protection on, it was never applied and Capital One kept adding late fees and penalties to my account. My limit was 500 and then went to 700 because I always pay my bills and now I'm being told I owe 1,400 dollars. I am now back to work and cannot pay that amount and don't feel I should have to. That's what the protection plan was suppose to do.

Both on the phone with customer service and in my bank branch office, I am being told that all this information is a matter of public record and is simply being used to verify who I am.

I feel these questions are an invasion of privacy and are none of the bank's business. I am told I cannot have access to my accounts online unless I provide the correct answers to these questions, which at this point, I refuse to do. In addition, someone I know was also frozen out of her account. She called Capitol One and with the most basic of information was told what her username and password were, and talked through the log on process with that information. Yet I cannot do the same.

My biggest fear: I am going to have to find a way to sue these folks for fraud or else wind up being 'pooled' as 'performing' in some sort of 'Resolution Trust' liquidation of the GSEs and have all rights to recourse extinguished in the process; My second biggest fear is that if I sue (MD or VA), the terms of the mortgage trust seem to say it's a callable Virginia default; My third biggest fear is that any action will drain what very little I have managed to set aside for retirement, leave me on the sidewalk with a shopping cart and hounded for the rest of my life.

What hasn't happened with these thieving **? In the beginning, since opening this credit card account in September of 2006, I have been fighting this company's incessant urge to constantly invoke fee after fee (usually for things that are not and should not be my responsibility). And I am fighting tooth and nail or going out of my way just to get basic information about my transaction activity that should be readily available to me by my own means of access.

Meaning, I should be able to log in to the website or look at a printed statement and see that information--rather than take time out of my day to call in, sit on hold for 45 minutes, just to have them look up the information for me that I could just as easily have looked up myself in the same two minutes--minus the hold time on the phone! Which I could do, if that information were only included in my account details like it should be in the first place!

My issues against Capital One are many, so forgive the length of this complaint:

1.) Fees and Spending Limits

First of all, I believe that if you are given a spending limit, you should have free access to every penny of that limit to spend for purchases or whatever the client chooses to use the card for. But the reality is, especially with Capital One, that just isn't possible. Because of the high interest, and the "Account Balance Coverage" (ABC) insurance premiums," one must "set aside" a certain amount each month to cover these charges, or incur the over-limit fee of $29.

The ABC insurance premiums, which I was not told, and found out only just recently, were optional! In fact, I was actually told in the beginning that they were mandatory, because I did ask what the ** "Account Balance Coverage" was! I would have canceled the insurance sooner if I had known that it was optional, but after paying into it for four years, I decided it would be a waste to essentially throw those paid premiums out the window and lose that coverage which might actually come in handy, especially at the rate these jerks are pushing me into a situation of being unable to pay off my account balance.

So, my current limit is $2,000, but even after getting a lower interest rate and adjusting my ABC premiums to a lower rate, I still have to make sure that $35 is available to cover the interest and insurance premiums. So, out of a $2,000 limit, in reality, I only have $1,965 to play with. If I want to spend all the money that is "available" to me, I got to have another $29 to cover the overage caused by fees and premiums charges!

In order for me to honestly have the full $2,000 at my disposal, I either have to rush out and make a special additional deposit of $35-$40 to be available prior to statement date when the interest and premiums are charged or Capital One should not charge me over-limit fees for those charges causing me to go above my spending limit.

Fees, premiums, and interest should be made exempt from over-limit fees and penalties, because the client has little control or predictability over that. Most other banks and credit card companies only look at what your balance is, at the time the new statement is being drawn up. If you are over at that time and that time only, then and only then do they ding you with their fees. Anything that occurs between statement dates is not held against you. This has been my experience, at least, when I was a secondary cardholder on my mother's account with her bank, when I was first learning about credit and financial responsibility thereof.

But what does CapOne do? They have their computers set up to keep a strict watch on your account activity, so if you go over limit by even a penny, even once, smack-dab in between statement dates, they still hit you with over-limit fee! And God help you if by some fluke of timing, of payments versus charges being posted, should cause you to go temporarily over-limit for but a few minutes or just a day or two. And more than once, you'll be dinged $29 each time you go over. Can we say "cash cow" for these greedy **?

So, it doesn't matter if I make a purchase. And it doesn't matter if, as a precaution and gesture of responsibility for my spending gamble, I simultaneously send an online payment to CapOne to cover the potential overage because if the purchase transaction happens to get posted first, the payment gets posted bringing me back down under-limit, that doesn't matter. CapOne catches that, and seizes the opportunity to rip me off for an extra $29.

Then, there's the "Annual Membership Fee." What is that? What am I a member of? The ** society? $59 every year, and what makes this so bad, is these idiots do not have the courtesy to give you a heads-up notification by mail, email, or phone call, to let you know that an additional $59 will be charged to your account soon. And thus, allow you time to make arrangements to ensure you have the funds available, so as to avoid going over-limit and avoid the fee! But that's exactly what they want to happen; to ** you not only for the "surprise" $59, but also to justify tacking on another $29 fee for "you" going over-limit.

I could mark my calendar, but what if I forget to check it as the date draws near? I could put a post-it on my computer, but what if it falls off and I don't notice, and it gets lost? I could do a dozen other things to remind myself, but I got a million things to worry about that are a little more pressing than something that happens once a year. I tell you, I got a hard enough time remembering certain re-occurrences that happen daily, much less annually.

It shouldn't matter what I do or don't do to remind myself. The point is, I do not think it's too much to ask that a little customer service be exercised, and a customer get a "friendly reminder" that can only serve to assist them in keeping them within their limit and avoid unnecessary fees, and in turn avoid any additional blemishes on their credit history! They have no problem "reminding" you about their latest promotions, or that you owe them money. So what's one more "reminder"? Oh, right. I forgot. It's not going to benefit them to remind you to be prepared for an annual charge coming up that will eat up your available credit and potentially put you over-limit.

2.) Lack of available detailed account information

The other issue is the complete lack of information about my purchases that ought to be available to me at all times; thus, accessible at my leisure. If CapOne is going to charge me more fees for shopping outside of Canada (2.5%), then they better ** well show me.

- The source amount in the currency of the country I purchased from;

- The exchange rate in actual dollars and cents because I do not have time to mess about with a calculator figuring out what the 16-digit decimal percentage figure means in monetary terms;

- and how much their stupid rip off fee of 2.5% is, again, in dollars and cents, that they punish me with for shopping outside of Canada, making them have to actually do something resembling work, by calculating the foreign currency conversion.

But no, they make me, once again, take time out of my day to make unnecessary phone calls, sit on hold for 45 minutes, and have them look up information that I should already have available to view online in my account's transactions details. The most recent grievance is with "Account Alerts." After many suspicious charges made to my card, I set up the alerts to notify me of every piece of activity that occurred on my account--be it charge, payment, or account balance or available credit updates.

I set up the alerts in November of 2009, and I was getting them like clockwork. And they did, in fact, allow me to find out about many unjust charges made to my account, which gave me the time to investigate and have them dealt with in due time before it was too late. This was all good, up until recently (October 12, 2010), when my last two transactions did not produce alerts to my email as per usual! And oddly enough, only the charge alerts did not come through! The others alerts for balance updates, available credit updates, and payments posted--those came through, but for the charges made against my card, nothing!

What kind of shady business is that? I checked my alerts settings online to find nothing was amiss; nothing was reset nor set incorrectly, except for the discovery that there was suddenly a "minimum limit" imposed on which transactions would prompt alerts--only transactions greater than $20! So, what that means is, I won't be alerted to anything charged to my account if it's under $20? And if there were any suspicious charges, I would never know! At least not in due time!

Over time, these charges would add up! And I might think it's just CapOne imposing some fee or other charge that I am not aware of. But in reality, it's just "legalized robbery," all because they can't be bothered to let me know of transactions less than $20! I am supposed to sit back obliviously and risk losing money everything because CapOne cannot be bothered to allow customers the right to choose how to monitor their own account activity and just be in the know, in general.

When I have transactions pending, then yes, I do keep a very diligent and watchful eye on my balances. I logged in often at least once every day, if not several times per day, so I can get the latest information to update my own personal files with. And I do this until the last transaction is posted, at which time, I feel that I can relax and slow down on the constant "checkups," and feel secure that my account will not have more (unauthorized) charges made to it. But if it does, then I would like to have the peace of mind to know that I will be alerted, regardless of whether it's for $19.99, or for a lousy nickel!

Because either of those amounts, with the way my balance is these days, could very well ** up a lot of things for me, resulting in over-limit fees, and general inconvenience while I wait for these funds to be retrieved and returned to my account--waiting longer still for the actual process to execute and have it all reflect as it was before the whole thing began! These idiots cannot appreciate that funds getting needlessly tied up like this is a huge inconvenience for me! And they're completely preventable, or at least they can be minimized as to how much time is wasted on undoing what should never have been done. If only I were alerted to the charge as it happened! And not two weeks later! All because CapOne cannot be bothered to value the customer's right to be alerted to any and all activity made to his account!

Whether it's an ill-gotten charge of over-limit fees to my account that I am trying to have reversed, and accessible by me in my online account without having to waste time on hold over the phone for nearly an hour, I am getting jerked around by the inept levels of professionalism and complete lack of common sense put forth by many of the employees of CapOne.

Be they the common Customer Service Representative, of someone of higher rank, such as Accounts Supervisor or the like, more often than not, I get complete idiots who do not know how to listen to what I have just clearly told them--nor do they know how to think for themselves and help me with a satisfactory resolution to my problem or concern that I called in about. And when I asked for these policies to be explained to me as to why such stupid, nonsensical policies exist, all I get is the basic "because I/we said so" mentality, as well as more stupidity and more policy--this just infuriates me even more!

I am so sick of Capital One, and their lies, their shady "policies," their fees, their incompetence, their negligence, their refusal to comprehend simple logic, their constant mindless adherence to policy and complete disregard for the customer and his/her satisfaction (in terms of them having full access and knowledge of information pertaining to their transactions and other account activity at all times), and complete lack of options when it comes to account management!

And not to sound racist, but I am also sick and tired of their "import"/outsourced c/s reps who can barely speak/understand English, which is where much of the problem lies when they do not "listen" or cannot comprehend what I clearly explain as my concern/issue! Capital One needs to be investigated thoroughly, and forced to comply with more customer-friendly policies that serve the client/customer! Not the greedy, sneaky, underhanded corporate snakes who are just looking out for their own bottom line! They rightly ought to be run out of business--they have no business being in business!

For the la t 2.5 years, I have been laid off from my job after working in the concrete business for the last 14 years. I was laid off due to the lack people and business not building homes and new business and the recession. I filled out Capitol Ones paperwork for involuntary employment insurance and tried to get benefits. I was told I would receive the 20.00 minimum payment and they now say I owe 1,653.33 on a $750.00 line of credit. I just spoke with Dexter from the MRS Collection Dept who took the account over and he calls and harasses me at work and at home over a credit card bill I can't believe doubled. Dexter also told me that the limit was raised to $1,000.00 and some point in which I never authorized.

We need help with all of credit card companies that have charged us for a benefit that of debt protection and it's not my fault we're in a full blown recession. I'm in debt up to my eyeballs and 3 Children and 1 handicap 13 yr old daughter with a rare disease.

I have chosen this card sometime in 2008 to accumulate rewards because it did not have any fees attached to it. Fast forward to 2010. I have accumulated 34,000 miles and now I am being told that there has been a revision to my account and there will be a $39.00 yearly membership fee. The same rewards program is available for free for new sign-ups. I have been told, "You can contact the credit bureau to obtain more details about the reasons related to your credit report."

Basically they are telling me that the increase is due to my credit report, which is vague and I do not believe it. I have never incurred any interest charges or late fees with Capital One as I pay my card in full every month without fail. I also do not believe my credit report will reveal any problems. It is my opinion that this is another deceptive practice that penalizes the responsible customers, which the credit card companies do not earn income on by charging interest or late fees. I have canceled my account and cashed in the rewards for half the value of which I earned. When I questioned the fee the part of the initial response was, "In order to avoid the fee, the account can be closed."

These are deceptive practices. The program I had joined would earn 1.25 miles for every dollar spent and was fee free. The program that earned 2 miles for every dollar spent did have a $39 yearly fee attached to it and I did not choose this one. Cashed in my rewards value for 1/2 their value. I had the intention of using the miles to buy a ticket overseas and will be unable to due to their unfair change in the fee structure.

This company is shady at best. My husband and I have had two Capital One cards for years. We have had numerous issues with getting our statements. I call, they tell me to confirm my address; I do, they say that is what they have, but no statements. So, I set up and account online, not getting those either. Hence, I have had to pay late fees since according to Capital One this is my fault. I called in again today and was told to give my address. I gave the wrong address on purpose and the lady said, "Yes, this is what they have." ***. Unreal.

I proceeded to tell her this was the wrong address and she said it was my responsibility to put the due date on my calendar to remember to pay it on time. There was nothing she could do to help because they were sending out statements like they were supposed to, even though they never arrive. I am paying off these cards asap and never want to hear about Capital One again.

First off, I never requested anything with Capital One; nothing, yet I have an account number with them. They keep sending me blank checks which I immediately shred. I've tried to have my name removed from their mailing lists because I don't want to have anything to do with Capital One but my requests are ignored. I'm at a loss.

Capital One filed a 1099-C in the wrong tax year compared to when the last payment was made on a Visa account, and when the company chose to charge off the debt. They then sent the 1099-C to the wrong address so the first notification I received was from the IRS saying I had failed to report income. When I attempted to obtain the account records from Capital One, it took days on the phone to get to the correct department.

When I finally reached the recovery department, the representative was rude and gave me false information regarding the collect-ability of debt. I finally received the information from the rep that I needed to request the account records. I mailed the letter to the address the rep gave me with the request for all account records. I received a form in response requesting the same information that I had provided in the letter. I completed that form and mailed it back. I finally received something from Capital One - a copy of the 1099-C. I did not receive any records. I have still not received any records. I finally called the corporate number and the switchboard connected me to the tax department, which of course only handles the corporation's business taxes.

I still have not obtained any records on this account and therefore cannot prove to the IRS that the 1099-C was filed for the wrong tax year and that I likely do not owe the additional taxes either because the 6 years in which to leverage the taxes has passed, etc. So the time I have to contest the tax assessment is running out and I can't get cooperation from Capital One!

I received a class action suit in the mail last week against Capital One Payment Protection. I have looked all over for that paper and cannot find it. Do you have any idea how I can get another so I can fill it out and send it in. I am sorry but I do not have any information about where or who it came from. Any help that you can give me would really be appreciated. Thank You.

Since October of 2008, my husband has been unemployed from his full time job. He has had odd little part time gigs but his full time career is dead due to the economy and the nature of his business (electrical/mechanical engineering). I called Capital One back in December of '08 explaining the situation, looking for help. They offered none, were rude, told me " too bad" and asked, "Are you going to pay or what?" They offered me a payment plan to " help" me, that was higher than the current monthly fee that I could not afford. When I told them this, they said there was nothing we can do.

I have been a customer since 1998. After many, many battles, I am now in a debt mediation program, aka suing Capital One, as they are trying to sue me. After a nasty battle, my attorney reached a settlement with them but sneaky jerks that they are, they put through a court order to enforce a levy against my checking account and claim that although this was settled before the levy was to be activated, they did notify the court officer (they did not) and oops, they are sorry. There was not a day that I came home from work, where there was not some snotty, mean, threatening letter from their "attorney" with court dates and a bunch of other crap.

Now, after they put the levy on my account, they actually sent me another document, claiming I violated the plaintiff's request. All this after the settlement was reached for approximately half of what I owed. Capital One sucks. They are a bunch of sneaky, conniving, greedy jerks, who don't care what bad luck has fallen on to any of their customers and they are not willing to work with their customers. In fact, they seemed to force their customers into either a debt mediation program or bankruptcy and they still continue to harass, upset and rattle their customers' nerves.

Capital One, you truly are an evil credit card company. You don't stand behind your customers and you don't seem to pay any attention to legal issues. They prey on their customers and I am sure have scared many of them into making payments that they probably can't truly afford. I will never, ever, have anything to do with this company or any of its affiliates and I will be sure to share my horrible experiences with anyone who cares to ask. I am also considering filing a complaint with the attorney general about them. Capital One sucks. Stay away. They are truly a ruthless, evil company.

They are charging customers interest rate for the annual fee. Below, I have included excerpts of my email conversation with Capital One. Do you charge interest on the annual fee?

Thanks for contacting us about your Capital One account. When you make a purchase on your credit card, you have the option to pay off the balance in full each month or you may carry it over to the next month. When the balance is carried over to the next month, you will be charged interest for the unpaid balance. If a cash advance or special transfer is made, interest will be assessed as soon as the transaction applies to your account.

I understand paying off the unpaid purchase balance but there was an annual membership fee. I should not have to pay interest charges on a membership fee. This is not legal and I am requesting an adjustment on the interest charge.

Thanks for contacting us about your Capital One account. Good news! We've credited your account for $6.70 in interest charges. You'll see the credit on your next monthly statement. I would like to know if Capital one did this since my account was opened. If so, I am requesting you reverse the interest charges on all other annual fee charges obtained since my account was opened.

Unfortunately, we are unable to waive the finance charges that were assessed on your account.

I will be reporting this information to a government agency and the BBB. This is considered to be fraud. An annual membership fee is not a credit card purchase. It's a required fee you charge. It is unfair to recoup interest rate monies from customers off of an annual membership fee. It is in the interest of company to be fair to the many customers you have. I am suggesting Capital One reverse any additional interest charges for annual membership fees. In your previous email, you stated you would reverse the interest rate charge for the annual membership fees. When I request you do it for any additional years, I am told it cannot be done. This is truly unacceptable.

I have been with North Fork bank for 30 years or more. In May of 2010, I started a refinancing process with Capital One. They have closed the old North Fork loan facility on Long Island and moved everything to Dallas.

I worked diligently with Dallas for five months and received an offer to refinance my New York City condo. However, that was reversed because the original underwriter left the bank. I have a lot of depreciation from commercial properties and the new underwriter reuses to consider this depreciation. The irony is that the existing loans are from North Fork bank who underwrote the income considering the depreciation.

They had three appraisals on the condo and spent months on this. They refused to discuss the income with my accountant. I have huge monthly payments which I am current with but would like to reduce with the lower current rates. These clowns have no idea!

I have been through the process of applying for a new Capital One Venture Credit Card. I was immediately approved over the phone, but have had a horrendous time talking with customer service since. The initial application was the only time I spoke with someone who could speak proper English. I had a very hard time understanding their customer service personnel, nor were they helpful at resolving my issue. They have a limited repertoire of responses they can say and it's actually humorous to listen to their responses when they have nothing to do with your questions.

On September 10, 2010, I contacted Capitol One about paying off my account in one lump sum, and they agreed. I had to sell my car but I did and paid the $4,000 settlement. I thought we were all done. I had done all of this because I was going into the hospital for some heart surgery. Frankly, I did not expect to live, but I did. I am home now and the first thing I found in my mail is the bill from Capitol One. Oh, they took my money but claim they didn't agree to the settlement. How convenient! They say they have no notes for the 10th of September. I'm not the one hiding behind a recording system, they are. Now, lo and behold, they say they never agreed to any such settlement.

I am negligent only in the fact I do not have a system to record a telephone call like Capitol One does. I am now disabled because of one stroke and two heart attacks. Obviously I am unable to work. Capitol One demands payment in full and claims that the person I talked to didn't bother to annotate the phone call properly. And now, I am certain they will very conveniently claim not to have the call on file. Isn't that a very convenient out and another way to ** the customer? On top of that Capitol One very conveniently to them and just as inconveniently to me has repeated changed the interest rate, changed the due dates and increased the payment frequency, all without giving any consideration to me. Capitol One does not care one whit about any of their customers, only increasing their profit margins.

I paid the $4000 to settle the account in full. Capitol One now contends they do not have to honor any such agreement. Fine! To the rest of America I say, "Do not do business with these people!" They'll stick it to you at every turn. Funny though, they didn't mind taking the billions of dollars from the government which was supposed to help take care of situations like this. One last word of advice. Never do business with an outfit like Capitol One, because if you do, you'll be used and abused and walked all over, like I did. I will survive somehow, but I will never trust Capitol One again! Neither should you!

I used a 0% for a year offer and when my Statement came in, it showed my whole payment applied to the 0% offer and nothing to the regular balance. They even added the 12.xx in interest to the reg balance. In Aug/Sept, the purchase was $793.52, the interest was $12.06. In Sept/Oct purchase was $805.47 which is $793.52+$12.06. My $60.00 minimum payment didn't even pay the interest?

Capital One closed Greenpoint Mortgage and they started servicing my commercial mortgage loan. Their 2 numbers for customer service never works. 888-959-4462 always transfers to a full mail box. Their 866-788-5649 transfers to a call distribution group that disconnects the call right away. My actual problem is that they collect 10% more in my escrow account on an initial $2800 mortgage. I pay $1800 extra every month for my tax bill, which is $824 (Insurance is paid by me directly). This resulted in collecting over $13,000 of extra payment in my account. At the end of the year, they issue a refund. Is this legal? No other lender has done this to me.

I do not have a Capital One card and all of a sudden a Capital One card came to me with a $3,290 new balance on it and saying that is it past due--credit card number **. It appears that someone is using my name and this is fraud. I once had a Capital One card but over 20 years ago.

I do not have a Capital One card and all of a sudden, a Capital One card came to me with a $3,290 new balance on it and saying that it is past due. Credit card number **. This appears that someone is using my name and this is fraud. I once had a Capital One card, but over 20 years ago.

After a few months of his account going delinquent, they began to call me on my cell phone, even though I had never given them my cell number. When they called, they asked me did I want to make a payment and I said, "No. We are not together and I am not responsible for the charges."

On September 30th, I checked my bank account only to discover a $608 debit by Capital One. I nor my ex-husband authorized this charge. I called Capital One and my ex called as well. We received two separate stories. They told him I was no longer on the account and someone used my checking information. They told me I was still on the account and my ex authorized the payment.

When I looked at the check they drew against my account, it had his name and address on it, no signature or anything. My bank also told me that the check number was invalid. When we both spoke to a representative, they could not explain how my account was charged or who authorized it. On 10/5, they promised to debit my account back. On 10/7, I called to verify this was done, and they still hadn't processed my request.

I find this to be appalling and unlawful behavior. I also have my own separate Capital One Credit Card and Auto loan. I would go as far to say that they looked up my personal information on my accounts to use against my ex's. Capital One unlawfully took money out of my account to pay my ex's husband bill and the money they took was meant for rent. Now, I am in jeopardy of being charged a late fee and an overdraft fee due to insufficient funds.

I opened my Capital One card in 2009. I used it faithfully and paid every month on time. I had no problems with Capital One or their customer service until October 2009. In August 2009, I became ill and spent a week in the hospital. On 15 August 09, the day I was released from the hospital, I was also laid off from my employment. I tried to claim unemployment; however, the state fought my receipt of it, until December 24th, when I received my back pay.

Two weeks after I was laid off, my husband was also laid off of work. His company denied his unemployment and we are still in pursuit of the back pay. My husband and I went four months without any income. We had no savings so we had nothing. We went into "survival mode." We had two major credit cards, and we began to use those for gas (to look for jobs) and food to eat. We could not even pay our mortgage, car notes, insurance for the vehicles. By October, we had maxed both of the credit cards out at their $500.00 limits.

I called both credit card companies and told them the situation--that we didn't have anything to pay them. What could I do? We didn't have jobs and there was no way to pay them in the near future. They told me to just wait. Meanwhile, Capital One sent me numerous statements with increasing fees. Two months later, the monthly minimum payment was well over $100.00.

I called to cancel the card and see what I could do. I was directed to the collection company, who told me that without paying the minimum payment, there was nothing that they could do. The interest would eat my payment and it would be that much more the next month. With my head spinning, I couldn't figure out what to do. I tried to call and talk to another person and received the same comments.

We eventually began to ignore the phone calls from the collection agency. Then, we both began working again full time--my husband in March and myself in May. I called the collection agency back and told them that starting in June, I could begin to make $50.00 payment. At this, time the balance was already over $900.00. I was told that if I didn't make the minimum payment today, at a little over $300.00, then it would be written off my credit (the worst there is).

I told the man that I didn't have that money (at that time, I didn't have any money to my name), but next month, I could begin the $50.00 month payment plan. He told me not to bother--without the minimum payment being made, it was useless. He would not setup the payment plan with me. He told me that any payment I made that was less than what he was offering would not be accepted because it wouldn't affect the balance. He also stated that he couldn't stop the interest even though I had repeatedly asked for the card to be closed.

I now have a payment plan of $75.00 every month, with a balance of over $1,000.00. That is more than double what my credit limit was. They have been the rudest and nastiest people to deal with. They were very degrading in the respects of how they talk to you. The other major credit card that I had at the time, their balance is considerably lower than the Capital One with the same limit and same balance in October 2009. They also suspended all fees and interest at the time I asked for the card to be closed.

In 2002, I opened a credit card with this company with a balance of $500. I had move to another part of the country and was not able to find employment and the card was sent to collections. I have been working on improving my credit but last year, I lost my job again and today I received a bill from Capital One for over $6,000.

When I called, they said they reissued the bill due to the recent credit card law that went into effect. So now, I am unemployed and have a raging $6,000 bill. I didn't expect and can't pay! Can they do this? The APR is up to 25.900%. They accrued the interest since 2005 when it defaulted. The balance subject to the interest rate is only $685.03. I don't see how this new law can possibly help the consumer.

On September 14, 2010, I requested a balance transfer from one credit card to my Capital One credit card. I did this because of "unbeatable" offers I received from Capital One. After about a week, I noticed that the amount had been transferred to my Capital One Credit Card but the payment had not been posted toward my other credit card. During which time, I was incurring late fees/penalty charges as well as finance charges from both institutions. So I contacted Capital One to explain my concerns and asked why they had not processed the transfer. They told me that they take 7 business days to process these types of transactions and that I would need to wait another week and then call them back. I then asked them if they could at least take a moment to review my information to make sure that everything was correct (my name, address and account number). They politely refused and asked me to call back later.

One week later, I phoned them again because still no activity had happened on either account. After being transferred numerous times, I finally reached another rep who, again, took all my details and with whom I expressed my frustration at this point. After reviewing my account, it was concluded that the reason my accounts had not been adjusted was because they had the wrong account number. So the rep took down my correct information and updated my account and informed me that they were going to cancel the original transaction and submit a new one towards the correct account. The rep mentioned that this process would take a few days because they needed to place a stop payment first and then resubmit the transfer.

On 9/30/10, I went online to check both of my accounts and saw that everything had been corrected and both accounts had been updated. Now today, 10/6/2010, I checked my accounts again and it shows that the charges have all been reversed. I immediately called Capital One to see what was going on and they could not give me an answer as to what happened. They transferred me to various reps, again, until finally I was hung up on by a woman named "Olga". I called back and this time, spoke with a rep by the name of "Miles" who was unable to resolve my issue. I explained again that this was a great inconvenience not only for the time I am wasting calling them on their error, but for all the charges that I am incurring and the damage that it is doing to my credit. Miles ultimately said, "At this point, there is nothing that Capital One can do for you except wait 7-10 business days from yesterday 10/5/10 to give us time to process a new transfer". I told him that I did not think that this was acceptable and that I was very disappointed with their poor customer service. I am so frustrated and just want my issue resolved.

I tried to close two accounts with Capital One. The first method was over the phone. After repeated phone calls, I finally reached someone who could help me. After much haggling and arguing, I managed to close the first account and refused to pay any further interest fees. I had a zero balance and it had been closed by Capital One for non-usage. When I told the representative that I wanted to close the second account, he said that he had no record of it - lie number one.

When I got the next bill for the second account, I enclosed the payment stub as always, a check with the full amount owed and a note stating that I wanted to close the account. Unsurprisingly, I received a statement shortly afterward containing the note stating that they were unable to close the account because the full account number was not listed on the payment stub. For whatever stupid reason it never has been listed fully on the payment stub but that has never stopped them from processing the payment before. They also didn't return the check nor did they deposit it - it magically disappeared. I know they didn't want to close the account so they could continue to gauge me for interest payments (I managed to close several other accounts after the same hassles - it's a corporate policy with these usurious parasites).

So for the last three months, they have been sending me statements with increasing interest charges and late fees. They have also started calling me three or four times a day. I have ignored their phone calls for the most part. I have ignored their bills and I am going to file a complaint with the Texas Department of Consumer Affairs, and charge them for my time and postage and demand that they deposit the original check, minus the outrageous fees, and take that as the final payment. If they refuse to do this, they can turn it over to collections. I won't pay them either. I don't care about my credit report; it will absorb this and still remain good.

You have to fight all credit card companies tooth and nail to get them off of your back. I hope they all go out of business during this recession because a large part of it is due to their greed and obviously flawed business model. God help us all! My credit report is damaged; time and money was wasted on long distance phone calls; postage and time was wasted going to post office to file complaints.

They got me. They get a lot of us too. Huh! I am a small business. I got a little money happening and a good business going and through solicitation fell for the low interest. We're on your side. Let us help you build your business routine apparently. They raised my rate to 29.99% and charged me late fees when I know I sent them the money. 10 times more than the minimum but they say it was late.

I tried to switch to the Bill Pay and again they said my payments were late. I sent them a week earlier and still late. I was nailed by Capital One bank and they are suing me for 10 grand more than I charged. Forcing me to BK or pay for ever, to be a slave in servitude to them by court order for all time, accruing interest while earning monies unjustly. Hence, I do no longer wish to assist them in profiting and prospering any longer.

They absolutely don't care! Everyone I speak with keeps telling me that that's the way it is and I just have to pay it. I don't just have to pay for anyone's crime and I refuse to.

These people are absolutely heartless, the individuals I speak with and the company as a whole. They love robbing their customers blind because that's how they earn their paychecks. I had one fraud person say to me, "Oh, well, it's not that much money," and chuckle. I'm sorry but a few thousand is a lot of money to me and I'm sure to many others. Their people love to bully you into paying fraudulent charges. They try to back you into a corner and make you feel like it's your fault it's occurred and therefore you're liable. It's not okay. And then they told me, "Well, we'll take down the interest rate. We're doing you a favor." You're not doing me any favors. Like I should feel gracious for them charging me a tiny bit less interest on money I shouldn't even owe. Really, how do these people live with themselves treating innocent customers like this? They are bullying me into paying $5,000 for fraudulent charges!

There is no credit card worse than Capital One. In the beginning, I would send checks to make payments and it would take 7-10 days to post to the account. Then I did bank transfers to make the payments. They would hold my money for a week before they would post it to the account. When I talked to them about it, they said it was their policy as they wanted to make sure the bank did not take the money back.

Funny, no other credit card company that I deal with has that policy. I always tried to pay it in full each month. I was charged late charges on more than one occasion. After the bank collapsed, they raised my interest rate to 37%. Any time I would call the company I would always get someone out of the country.

There is no worse credit card company than Capital One. I know another lady that was very responsible with her payments and experienced the same thing. As she stated they should put as much effort into taking care of their customers as they do in all their stupid commercials. Do not ever apply for a Capital One credit card.

I called to cancel my rarely-used Capital One credit card in August. They offered to waive my $29.95 annual fee if I stayed. I agreed. The rep thanked me for my business and offered to send me a new explanation of benefits for the card. I received that but noticed that the next month, the fee was still on the card. and the following month as well. When I called today to inquire about the fee not being credited, they said that they don't waive fees and that they can't find a record of my having spoken to anyone about it. They further informed me that it has now gone more than 30 days past the time my initial fee was charged so they won't refund the membership fee. Don't use this bank for any reason.

I received a letter telling me I was part of a class action lawsuit due to the payment protection plan Capitol One was offering. I feel this applies to me. I recently lost the form I was sent. Can you please resend? Thank you.

I have been with Capital One for 6 years and I have never missed a payment or made a late payment. They have proceeded to raise my interest rate by over double what it was for no reason other than, "the economy is bad." Recently, they started charging me an annual fee of $60 per year to continue having my card, stating "because of my credit score, they are going to start charging an annual fee." I feel used and taken advantage of and wouldn't do business with this company after I pay off my balance.

My husband was seriously injured at the time I owed Capital One a balance of $477. I was also laid off of my job. I had the Payment Protection Plan, paid for the service monthly. Then when the plan was needed, Capital One refused to honor it. This was to cover my payments in the case of loss of job, injury or death. I owed Capital One $477 in February of 2009. I did not pay my payments due to lack of income! I now, in October 2010, owe Capital One $1924 according to them and their bill is in the hands of an attorney now! There is no way to fight a company this large, what they say goes and the interest, the late fees, and the protection plan were a complete rip-off! Life happens, and we just don't always plan for a crisis!

I was unable to make payments due to my disability. If they had covered me at the time I needed it, I may not have gone delinquent on my payments. I plan to sign in with the Class Action Lawsuit.

I have been unemployed for 20 months and have still been making credit card payments to Capital One. I was late once and they raised my interest rate to 29.4%! I have been in contact with them the entire time and let them know I was going to be a little late but they raised the rate anyways.

How can this happen? I have been faithful in my payments even though I really needed that money for food and rent. There needs to be some sort of law against this sort of thing to protect the consumer. All the money I am paying them is going to interest only with about $20 going toward the principle. This is crazy! How will America ever get out of debt with this happening to everyone? No wonder so many people are filing for bankruptcy!

I don't have any accounts with this company. They have called my phone number over 17 times in a 24 hour period, looking for a Don **. I have told them repeatedly that I am not Don ** nor does anyone by that name live here. They still keep calling. I have asked for a supervisor to no avail. I want this useless company to stop calling my number and want to know what I can do about it. There should be a class action lawsuit to put this company out of business!

First capital one lied that they had called me on Sept 21. My phone is never off and even when it is busy, they never left a voicemail. First they increase my interest rate (with no notification) about 7-8 months ago from 8.9% to 15%. Then, when I cleared off the balance and requested an interest rate reduction, they declined it. So I told them I would not use their card any more. They apologized and then this morning when I looked online to pay my bills, they had reduced my credit limit from $17000 to $500. So when they don't want a customer they have many ways to kick you out. Not to mention that their customer service is so poor, even Spirit Air looks like a godsend compared to them (and their IT systems are absolute crap).

Capital One kept charging us late fees the first time we sent our bill, like 10 days ahead of time. They said it was late. Our account went over by like three dollars, so they sock us with a 70 dollar or more late fee. Once you pay late, no matter when you send your payment, it is late from then on. Our account balance was like $468. We would be charged like 500 dollars in late fees over the next several months. We later tried to go through Nationwide Debt Services after they charged us 500 dollars in late fees. We added this company to our account. They would not work with them.

So now, we are being sued by Capital One for 1200 dollars, demanding 26.50 percent interest on our account. I don't think they will get this because we complained to the court about that. It is being handled by a law group out of Merrillville, Indiana. So in other words, the 468 dollars, which is more like $420 because we paid like a $39.99 yearly fee before all this happened, will cost us 1200 dollars, around 500 dollars in late fees. This never should have happened because we were not originally late. Plus, they are asking the court for 26.5 percent interest if they would get my guess with attorney fees, which this lawyer won't even put down. They say $125.00 plus cost with relief. And this lawyer is ripping us off. If we are allowed to write this lawyer's name down, I gladly will. So, if Capital One gets their way, 420 dollars will cost us I guess close to 2700 to 3000 dollars in lawyers and yearly interest and late fees, if the lawyer gets their 26.5 percent.

I like so many others have a complaint about Capital One Credit cards. I have 3 accounts with them. They do not have a high limit. But I did have credit protection on all of them. I have had these cards for over 15 years. I lost my job in January of 2008. I was receiving unemployment and was able to make my payments on time.

My unemployment ran out and I was still not working so I called to enforce my credit protection. I was told that because I didn't enforce it within 6 months of being unemployed I could not enforce it now. Well they told me I could get my interest lowered if I followed a program of 14% interest for 1 year. This makes no sense to me since I don't have the money to pay them, and I was not calling to get my interest lowered. It makes no sense how they can get away with the stuff they try to pull over consumers eyes.

Bottom line: someone in area code (478) used my name to open an account. My SSN was not on the account. Apparently, Capital One couldn't contact them and so they slapped my address on the account (not in 478 area code) and sent the bill to me!

They have been sending me credit card offers for years. What if I had been stupid enough to have just paid the bill? Capital One's position was: no harm done; your SSN wasn't on the account! And then they wouldn't talk to me anymore about it because "it wasn't my concern". Looks to me like they got scammed and wanted to get their money from any warm body with my name. Hopefully, there are no other consequences since Capital One didn't have my SSN on record anywhere.

I was assigned for a service with Ms. Kare at the front desk, others customers came late and were served first! I made a complaint with her, who sent me to Mr George ** who treat me so bad and told me to leave his table and sit at the lobby again. He made me leave in his table my checks book and cash for deposit! After a while, he came and dropped the money and books at the front desk table.

I felt embarrassed, stupid and stressed in front of all the other customers. After I waited 10 minutes, I went to Mr Correa's (another manager) desk who served my questions. The bank has to fire Mr ** and Ms Kare.

I have had Capital One for several years now. Everything has been paid on time for 2+ years now. Things were smooth. Then, I got this letter in the mail about an annual fee $60 annually ($5 a month). I never had a card with and annual fee. Usually, I just throw those offers away. Now, I'm being forced to pay this fee or close the account. Capital One could care less. The supervisor told me he understands. Then a few sentences later asked did I want to opt out.

I feel cheated and like they're going to get their money one way or another and that the people with less money are the ones making them rich. The workers were more helpful and compassionate than the supervisor. To top it off, my account limit is super low anyhow and then to charge me $60 a year. This company and so many others make millions and billions off of people with late, overdraft, interest rates and annual fees. This is greed to me and I don't think Jesus would be charging people like this. Making so much money off of people that don't have much.

On June 30, 2006, I paid the "new balance" of $1849.08 in full before the due date and requested the account be closed. On July 14, I received an invoice for $1.24 representing unpaid interest charges. On August 14, 2006, I received another invoice for $26.11 representing the $1.24, two $4.00 monthly membership dues and additional unpaid interest charges. Although I closed the account, in an effort to clear this up, I sent them an additional $26.11 and $1.24. Guess what happened next? I got a bill every month for $4.00 membership, $29.00 in late fee and after 8 months, the balance escalated to $244.12 before they reported it as a charge off on my credit report in March of 2008 and after 50 phone calls trying to reason with these people.

Now comes the good part. I just got a bill from Capital One on August 16, 2010 for $545.92. They started charging me interest at the rate of 18.10% on the previous balance of $527.19. On the phone with Capital One, again they indicated that with the new credit laws, they have a right to charge me interest on a charged off account and that is exactly what they are doing. They also confirmed the principal balance owing on this account is $26.11, which was paid. In my humble opinion, Capital One and their practices are out of control and illegal!

Capital One is a horrible company. First off, I'll be the first to admit that I did not pay the limit on my card off. But keep in mind, my limit was only $500. Somehow, I owe Capital One over $1400. I called them about a year ago to settle my account. I had 2 other credit card companies that I needed to pay off as well, all of them had no problem settling with me except for Capital One. Capital One told me that because I'm a high risk and they are in the process of taking legal actions against me, they will not go down on the amount. I told them I was not paying that amount and my limit was only $500. That's outrageous! The guy then explained to me that if I don't pay that amount, legal actions will continue. I said, "Okay, take me to court." Because I felt I could fight it and it does sound fraudulent

Also, keep in mind that I don't remember the last statement that I received listing this amount and the reason for the charges. About 2 months ago, I got a letter in the mail saying that I had been sued and I didn't show up for a court case with Capital One. This really upset me because I never got served with anything saying that I was being sued by them. I called the court and they said an officer actually served someone and whoever that person was signed for it. It was not me and no one else I know. That should be illegal itself, I believe. So, I setup a new court date with the court. The court date was this week. I'm just starting a new job and I'm still in training.

A training that I am not supposed to miss. Although, I showed my employer the document that showed I had to be in court, I would be missing hours of work and that means I wouldn't be getting paid either. So, I called the collection agency, who is very rude and took me forever to get a hold of, and stated that I wouldn't be making the court appearance and setup payment arrangements. I did this because I did not want another court case to be missed and I just look like the guilty one although the first missed appearance was not my fault.

I'm very upset with Capital One because I just cannot see myself paying over $1400 that I do not have and I don't know the reasons for me having to pay this amount. It's not right and they should be shut down because all they are doing is scamming people out of their money. Do not go to Capital One for anything!

I called today to an extension on my payment due to being in the hospital and was told they could not provide an extension when in my contract states that I am eligible for an extension once a year if needed. This is fraudulent conduct on behalf of Capital One Auto Finance. I then asked for the corporate phone number and was rejected that information. I have lost all faith in this company as being respectable or legitimate.

I dealt with Capital One for the first time and it was not a good thing because after I had a card, they started charging me late fees and crazy payment amounts. After a while, I had stopped paying my bill to the point where they started adding more late fees and charges to my account. And now I owe them $1,109.10 and they are taking me to court for the money owed to them and they're just adding late fees and charges for nothing.

I lost my job earlier this year, and we fell behind in payments, all credit card worked with us except for Capital One, they gave us a plan with amounts, saying they were due on the 15th of the month, but their statement was showing the due date of the 9th. They didn't get their money by the 9th and decided to turn over to collection, and now they are refusing to talk to us and they are still depositing the checks. The collection agency (or should I say Mafia) refuses to work with us with this matter and is very unprofessional in their practices.

Capital One has just taken over Chevy Chase Bank (CCB) in the WDC area officially this Monday Sept. 13, 2010. Being a former CCB customer, I have been experiencing nothing but problems this week. They include, missing accounts in my online profile, failure to close a matured CD, large balance requirements, service charges to two of my accounts without warning and accounts frozen for no apparent reason. In addition, I am also not able to use my ATM card which was supposed to be valid until I get the new Capital One card.

Since Tuesday, I have been on the phone with various bank personnel as well as visiting the local branch, all without success in resolving the issues. I've been told by the bank staff that I am not alone, that many CCB customers have been affected by similar problems. I have never seen a takeover that is this problematic and the worst is I don't know if there will be an end to it or if it's just the beginning of many more problems to come.

I received an offer from Capital One credit card for 0% interest for one year and no balance transfer transaction fees. Too good to be true, right? I had my husband look at it to make sure I was seeing the offer correctly. Yep. I called Capital One to confirm, no interest for one year and no transactions fees. I wrote the check. I got the funds. I got my first bill. No interest, no transaction fee. I got my second bill. $245 of interest. I called and I was told that I must have been mistaken because they have never offered 0%. It was really 14.9%. Yes, they had a record that I had called about the offer but their online notes only had "Balance Transfer" so it didn't prove what the rep had told me. I was also told that even if I could prove that the offer said 0%, they might split the interest with me but only if I paid it off in full. They have been nothing but trouble! Stay clear of Cap One!

Well, in October of 2007, I got hurt and subsequently lost my job because I was now disabled. I immediately called all my credit cards and explained to them what happened. All of them, except capital one, put my account on hold and offered me a settlement. I settled with all my cards except capital one because they said that since I did not buy their "insurance" they could do nothing until I was 6 months with no payment. Every month, they charged me a 45$ late fee and when their fees pushed my balance over the limit they started adding a fee for that too. I was paying between $70-100 in fees every month for nothing.

This continued until February 2009 when they charged my account off. Now my balance was twice as high as any charges I made on it. Then after selling my account to a recovery company in 2009 I get a bill from them in September 2010. They now claimed that even though they surrendered my debt they were going to charge me back interest from the time they charged off my account.

How is this even legal? When I called them, they told me that I was no longer doing business with Capital One, so they could do nothing for me but they are some how still able to charge me 25.9% interest rate every single month. When I explained to them that I am still disabled and I have been working with the recovery agency since 2009. I was informed that since I was still eating and probably paying some kind of rent that these interest fees make it fair for them that they still get there "piece out of my income whether I like it or not" news flash for them, I don't even have an income.

A little over a year ago, I reviewed my 3 credit reports as I do annually. There was a collection on my credit file for "Capital One". I sent Capital One a dispute letter sent certified mail from the Postal Service. They received it verified with a signature delivery. I never received a reply/response to my letter. As well, I disputed it with Equifax several times. Each time, I disputed with Equifax, in a matter of days it was reported back to me, they have verified the information is correct and belongs to me. I sent Capital One a 2nd dispute, sent certified mail along with a copy of my credit report.

This time Capital One replied back to me, they could not find an account matching the information I provided. I sent Equifax a copy of the letter and they still responded back that it is being reported "correctly". At this point, it's about 6 months later. I send Capital One a response informing them if they cannot locate an account in my name, by law they must delete it from my various credit files. A couple "months" past and they sent me yet another letter telling me they found an account with my social security number and the account belongs to me. I responded back to them according to the laws from ftc.gov website, during a dispute of a collection, they must provide proof , documentation the account belongs to the consumer.

I sent them another dispute and request for validation of the account. ( keep in mind the laws state that when you dispute a collection or inaccuracy on your credit file, the company reporting the error has 30 days to validate the debt) we are now talking about 7 months! About 2 months ago, I received a reply back from Capital One telling me they have found the account does belong to me and if I wanted anymore information, I should call there customer service number.

This is not what I requested, they are obligated to send me the verification in the mail in writing. They have violated the FDCPA and FCRA several times.over a month ago, I filed a complaint with the North Carolina State Attorney Generals Office. They responded to my complaint stating they have forwarded Capital One a copy of my complaint and in the copy. The attorney general's office sent me, it stated to Capital One, they have 15 days from date of receipt to respond to the complaint. It has now been a month and half and still no resolution or response. Thus, a few days ago I wrote the attorney generals office again letting them know that not only is Capital One violating the ftc laws in regards to FDCPA & FCRA, they are now totally disregarding the complaint sent by the NC State Attorney Generals Office.

Capital One is such a huge lending industry, they now think they are above the laws and owe the consumer nothing as far as proving an account belongs to them. It should be a slap in the fact to the North Carolina Attorney Generals Office that Capital One, basically stuck there nose up at them and flipped them off so to speak. Beware of Capital One people, I have since read 100s of similar stories with capital one. They will ** credit up, and if it is in fact an error and an account does not belong to you, good luck proving it to Capital One! It will literally take an act of congress to stop Capital One.

This company Capital One Bank extended a credit of $200 dollars. Before I could even use it my wallet was stolen. I called them and ask them to close the account. Instead they let someone charge a little over $200 dollars and in the mean time they sent another card with a limit of $200 dollars. I never used the card and I told them I didn't want it, didn't activate it and asked them to close it.

Now both of these cards are on my credit report for over $800 dollars. I recently received a letter from attorney wanting to settle for 60 %. I bet since the original debt was for $200 dollars and I never charged it . So they would be making double their money back. Crazy, I don't see how anyone takes this company serious. I tried to dispute this on my credit no luck.

I got behind on a payment. Capital One continued to call. I was put on a payment plan. Payment plan was canceled by Capital One stating they had wrong account number. How is that possible when you have been withdrawing funds from this account? Each month, it's a different story. I'm now on a payment plan, still being charged late, assessment charges while being on the plan. I was told I would be caught up on this plan. Now I'm told that I'm behind. Capital One auto finance is a rip off company. Sometimes 2 payments are being taken from my account without consent. I feel that this car has been paid off with all the assessment fees and late charges that continue to add up.

Predatory lending soliciting people with no income for high rate credit cards continually. This is unethical and people need to get upset and complain and to "kick some **" or nothing will ever change.

In July, I made an online payment to Capitol One for my monthly payment. They did not post the payment until the day after it was due and slammed me with a late fee that they refuse to waive. They have refused to remove the late fee despite my providing them with proof that I made the payment on time. I was a day late in January with a monthly payment - literally one day - and now they have advised me that they are increasing my interest rates.

I've had a card with them since I was 19 (2002) and never had a late payment, never went over my balance (usually kept it at 30% or less). My rate was 10% for as long as I can remember then in the summer of 2009 after buying my house, I got 'the letter' saying it would increase. It's at 21%! I didn't do anything wrong! My credit is in the 700s so why am I being punished? I called and 'Bill' in India wouldn't/couldn't help! I try not to use this card unless I need gas. I am afraid it will somehow hurt my credit using it.

Capital One received my dispute regarding an unauthorized charge. They 'investigated' but failed to let me know that they re-charged my account with the disputed charge then hit me with late charges and finance charges. Then, ignored my faxed letter to them with a letter indicating "case closed" but they still charge late charges and finance charges after I confirmed with original company that the charge was an automatic billing, not authorized by me. Cap One refuses to close this account which was requested by me about one year before the unauthorized charge was posted to the account.

I own a small business in LA. It's a seasonal business, a golf range. I had used Capital One for my bank for 2 years. I started a merchant services contract with them for a credit card processing machine. It cost me $400.00 supposedly, a deposit for equipment. The equipment they sent was a refurbished Veriphone unit that worked for 3 months then quit. I called them and asked "What's up!" Can they fix it? No they cannot.

So, I sent it back and was charged $300.00 for another one. Why should I have to pay for faulty equipment or honor the contract with them if they can't provide working equipment?! That one lasted about the same amount of time. I called and wrote them a letter canceling my merchant services contract. I sent their equipment back. Now it's 7 months later. Every month now they charge a $20.00 merchant services fee, even though I had canceled. Of course, it put the account into overdraft. They were supposed to put $400 back into account the supposed deposit. It never happened. Now they charged off $325.00 in fees and merchant service fees and I'm fighting with them. I'm going to the attorney general here.

Capital One charged me $209 in late fees that they cannot account for, but are charging me for it anyway. I incurred undue financial burden due to their error.

On the eve of August 16, 2010, my family went in to a Little Rock Chrysler, Dodge, and Jeep dealership, located on South University, in Little Rock, Arkansas. The staff there were great in getting me into a good used vehicle. According to the sales representative who was assisting us, we were approved for a 2008 Chrysler Sebring Convertible through Capital One Bank Auto Financing Group. We made our down payment, signed all the necessary paperwork, my car was detailed, and I was given the key to the vehicle to drive home, and told to fax in the remaining needed information the next day. I ended up sending the information in 3 days later.

My mother supposedly received a phone call from Capital One (whom was calling to congratulate us on our new purchase), someone other than her answered the phone and stated to the representative that I did not live there. My state-issued driver's license showed the exact same address as did my bank statements for this address (all which were faxed to the dealership and Capital One) -- all information sent in matched the information given to the reps at the dealership and Capital One.

On September 2, 2010 around 1:30 pm, I received a call from the dealership financing representative that the information my mother and I submitted to them was unverifiable and because I am a 1099 employee (self-employed) that the bank would not finance me (after driving the car off of the car lot, having it for 3 weeks, and getting ready to make my first payment), and that I needed to return the car as soon as possible to the dealership.

Who handles business that way? Not only am I humiliated, but distraught and very emotional behind the acts of Capital One Bank and Little Rock Chrysler, Dodge, and Jeep. I've seen and heard of other complaints about this company but I never thought that this would have happened to my family. This is one dealership and financing company that I would advise no one to purchase a vehicle from! Due to a mix up on their part, I am having to purchase another vehicle and my credit score has dropped.

I have repeatedly tried to set up automatic payments with capital one. Repeatedly when they call to collect money, they say they can deduct the money from my bank account they have on file. However I have repeatedly asked why they do not offer automatic payments on their website. They cannot give me an answer. It seems they intentionally make it difficult to pay your bill so you are forced to get late fees. This should be illegal. If they can push a button to deduct money for my payment when they call me, they should be able to push a button and set up my automatic payment for me. Making it difficult to pay your bill is dishonest and should be stopped!

In January of 2007, I paid my last $300 owed on my card via check. A few months later, they called to say I owed almost $500 since I hadn't sent in a payment since January. I explained that I had made the final payment and hadn't received statements since. I ended up having to have my bank fax proof of the check they had cashed. They mailed the fax back to me saying they must have received it by mistake. I was then sent to a collection agency.

I explained the whole thing to the collection agency and even dealt with a supervisor. It got bumped around to various collection agencies. Finally, after talking to Capital One various times, it was found that the money had been credited to a closed account! Yet they left the money in that closed account and didn't bother sending me a refund or anything. So the next time a collection agency called, I told them that I had proof of the check being received and gave them the account number where the money was mistakenly deposited. They refused to do anything and said it was on Capital One.

Capital One tried to take me to court over a year ago and ended up dropping charges after I put in a counterclaim showing I had proof of where my money was and them taking it. Now I still get collection notices and calls for thousands of dollars due to interest and late fees. My credit is looking seriously bad because of this and it even hampered my ability to move my family into a house. I can't afford to sue Capital One myself and I'm sure they are just waiting for me to pay this whole thing off. I should owe them absolutely nothing, but instead they have been ruining my credit for almost 4 years and there is nothing I can afford to do about it. They are incredibly horrible people and scam artists! This is a serious blemish on my credit report. I tried to buy a house a year back and was told I couldn't get financed because of the Capital One account on my credit report. The most recent collection agency calls my in-laws and refuses to even acknowledge the new phone number and change of address sent to them.

I have had a Capital One account for over 12 years. I lost my job in 2008, and have been struggling to pay off my balance. My rate was always 9.9%. In Feb. of 2009. They raised it to 15.9%. I immediately called and explained my situation and asked what could be done as far as lowering my rate and or monthly payments. They were absolutely unwilling to help in any way. I explained that I was struggling to make the payments at 9.9% and would not be able to make higher payments at 15.9%. I have called at least 7 or 8 times over the past year, all to no avail. I have even asked to close the account and settle. They said I will be sent to collections. I will never use their credit card again. I was never late on a payment once in 12 years!

I paid off the balance on this account on or about October 2009. I assumed that was end of my account with Capital One. I was never issued a card, however I may have received them periodically. The mistake I made I let another individual use my credit. I was not concerned as he kept with the payment. He suddenly declared bankruptcy so I felt obliged to make the payments. I corresponded with Capital One on this matter but did not receive a reply. I am now getting statements on this account. I called them and was informed that the account was still active and no balance. Capitol One has a right to charge me a fee and it seems they can change a fee on a fee and keep adding on account due. I am surprised that Capital One as large it is supposed to be would stoop to this kind of practice. I am afraid I may in for legal action before I pay the current charge of $65.54 as a result of fees on an account the was paid in full in or about October 2009.

I had made payment arrangements with Capital One that I have been paying on for 10 months now, and unfortunately, had to leave my job because of physical problems. I contacted Capital One and made them aware of the situation, and asked if they would give me a few months to find a new job that wasn't so physical. They said that they would notate my account but the judgment was still valid. I said okay because I have other judgments and they were all willing to work with me so I thought nothing of it.

The following month I was checking my bank account and realized there was no balance I immediately contacted my bank to find Capital One had put a garnishment on my account. They had told me that balance of $803.00 was due now. No minimum payments would work. I asked why didn't you tell me that at the time I called. They said that they did not have to. My husband is a roofer and work has become very very limited for him. In the last several months, sometimes, he could go weeks without work and that is our only income we have, and they do this to us.

I had 27.00 dollars and they took it. I have three children and have no income. And to top that, my own bank charged me a $100.00 fee for a garnishment on my account. They will not take the hold off until paid in full which of course, I can't come up with.

On 1/4/10, I called Capital One to close my account. You get their service dept in the Philippines. After getting transferred many times, finally got someone whom I could understand. The Rep was very nice and told me the account was closed at 10.99% and I would see that it was closed when I received the next bill.

On 1/27/10, I got the Feb bill and it wasn't closed. I called again and had to go thru the same routine. When I told the rep of what they said on 1/4/10, she laughed and said you obviously didn't get it in writing did you. I got a supervisor and told him the problem and was laughed at again, but he promised to close the account immediately.

On Feb 26, 2010 I got the bill and not only they didn't close my account, they raised it from 9.9% to 17.9%. In early April 2010, I got calls from collections in Salt Lake City, 6 phone calls within 25 minutes. I complained to the FTC and the BBB and received an email a few days later stating they only called me once. I have the caller ID times to prove I am right.

Early May 2010, I sent them a cease and desist letter and haven't been bothered since. I am out of work and tried to cut a deal with them but all they want me to do is send some money now and then they will put it in writing. I don't think so Capital One. My bill has jumped over $300 in late fees and many other add on bills. Once I get a job I will get a lawyer

I signed up for Capitol One protection Plan like i did for all my credit cards for capital one, Citi, Bank of America, Chase In 2007. When I lost my job as a loan officer at the beginning of the current real estate crisis in 2008. I called the protection plan for all them filled of applications and did the required administration procedures including going to career center to get the signed for proof of enrollment of job search. They all start paying the less minimum monthly payment "less than what I was paying" except Citing Bank who was just holding on your account and for 2 years in condition of returning the monthly signed form every month. I did that until the carrier center decided not to sign those paper on site no more.

Carrier center wants us to send all form to one single office to sign them up and they will forward them to the appropriate lender' plan. Those paper work start going out late. Bank of America and chase gave some other alternatives to keep the coverage, but capitol one and Citi just went ahead and terminated the program and got me defaulted on the accounts. Now I have derogatory reports with hick balances. Rental apartment, and as a finance career I will probably not get any job whit it. Everything is tight to credit now and days.

We settled a debt with this company through Franklin County Courts for a 2003 Ford F150. I have called asking for a title to my truck as they are required by the courts to release it to me. This was not the first call. On previous calls, they stated that the lien was released and the title was sent out. I have yet to receive the title so I called back once again today. Zee basically told me they have done all they planned to do and I am out of luck. He would not allow me to talk to a manager or give me direct call back number to his office. I am very frustrated. I offered to give them information so they could send a release to the local DMV he refused to do. I am looking for any and all help I can get as I really do not want to spend money on an attorney to get this resolved. Please help.

I was late on my Capital One card payment and received a phone call in March 2009 from a woman by the name of Phyllis representing Capital One and their claims department. She asked me if I wanted to enroll in a program that would get me back down to my original balance ($3,500) so I would be charged additional fees. We came to an agreement that I would pay $293.34 for months April, May and June. This would then bring it from the $4,200+ down to $3,500 (my credit limit). I was told that everything was included, late fees, overdraft fees, finance charges etc.

But the finance charges were not included. I was really upset because at the end of the 3 months, my balance still was above $3,500 like almost $3,800. That means my next payment had to be well over $300 just to get it to the $3,500 and thus the program I enrolled in was a fraud. I tried to call Phyllis back at least 3 times and no one would let me speak to her. I tried calling different numbers at Capital One and no one was willing to help me. It was a tough luck and I had been duped.

My payment for the month of July should have been a little over $100.00. Mind that fact that I really sacrificed a lot to pay this bill down. I worked as an AmeriCorps making on $627.51 per paycheck. My rent was $812 and I was paying Capital One $293.34. This is just not right that I was duped like this. I want to know why would Capital One enroll me into a program to get back on track and update to get me back to my original balance and this is not what happened.

I fulfilled my part back paying the $293.34 for three months and was going to start paying the on the original balance starting in July, but how could if I had to make another payment of over $300? I had already made plans to visit home so there was no way I was going to have the money to pay $300+ and then I would end up late, over the limit and additional fees. It is really terrible that I was duped into this.

I want to know how you use your debit card with funds available as the day goes by. But at the end of the day, the bank drafts the greater amount first which has made me multiple overdraft fees instead of having one. This has happened a lot. I asked why they wouldn't keep debits in the order in which they were made. They said they take the highest to lowest first. I think this is overdraft fraud.

I received my credit card today and activated in the morning, tried to use it the same day and it was declined. When I called Capital One, they informed me that there was a supposed fraud alert. They instructed me to send in copies of my driver's license, bank statement, utility bill, and my w-2 or 1099.

I thought this was a bit weird. Then I read another post here and another consumer complained about the same thing. By the evening I called and cancelled the It appears what they are doing is collecting the initial fees that are on the first billing cycle. Then when they review your information, they decline access to the card.

This has scam written all over it. This is just one way they are trying to make money off of those with less than good credit. Please, if you have experienced the same, report it. If it wasn't for someone here taking the time to report this same experience, I would have been victim to the same.

I found a 0% for one year balance transfer offer from Capital One online in December 2009. I applied online and was immediately approved. I have been making on time minimum or above minimum payments. I do not use the card and since I make payments online, I hadn't even noticed that I wasn't getting a statement (I have several other bank accounts/cards).

They've been charging me interest the whole time, which is odd because I never noticed it before. I immediately sent an email through their website trying to find out why I was getting charged interest when I'm supposed to have 0% for one year. Here is the reply I received:

I am writing the Consumer Affairs Office with both a complaint and concern. Currently, there is information that leads me to believe that two business entities that I have no knowledge or affiliation are utilizing my personal information as a business owner or administrator. The two entities in question are: California Community Research Education and Dragonfly Records.

The way in which I was alerted to my name being associated with these entities was via two unsolicited mailings for business credit lines being offered by Capital One. The dates of the unsolicited mailings were 8/28/10 and 9/11/10. Upon receipt, I went to multiple Secretaries of the State websites to look up the business entities including CA, NY, AZ, MA, FL, CT, DE, NH, IL and D.C. I was unable to locate the businesses either through the entity name or via my name. My obvious concern is that an individual(s) is utilizing my personal information to create new businesses and possible gain access to credit cards, lines of credit, etc. As a result, I am writing you in hopes of obtaining your assistance in whatever capacity possible so that I may resolve this issue and remove my name and information in association with these entities.

I would like to reiterate that I have no knowledge of, association with, never worked for, volunteered for, and provided either solicited or unsolicited information or research for either California Community Research Education or Dragonfly Records.

I am unaware if credit cards or lines of credit have been opened up for the business, which could be reflected on my personal credit score and make me liable for purchases, and money advancements I have no knowledge of and responsibility to. Your assistance in this most important matter is greatly appreciated.

A credit card debt collector has been calling me over 12 times a day on my cell. Then it lead to several times a day at my work. Not only that they managed somehow to find the number to my company cell phone (only used during work hours)how can that be? When I asked them how did they get that number, they would not reply and kept harassing me to pay my bill. I can't take it anymore and I don't want them interfering with me during work. The cell phone contact for my work was the last straw. They would have had to call my corporate office to get that. I have turned them into the Federal Trade Commission, but was told that the FTC does not handle individual issues, that they would consider it if many others have called in and it appears to be a national issue they would represent.

I had Capital One credit in the past. I filed bankruptcy in 03. It's been 7 years of cleaning up my credit. Then Capital One sends me a gimmick of applying for credit because I'm past the bankruptcy stage. Like a dummy, I take a chance since I've been doing so well. They deny me anyway causing an inquiry on my credit and my score to drop. They sent me four different offers, inquiring me to apply. This is a disgrace. I will be reporting this to the Better Business Bureau. I didn't ask to apply and they kept sending me offers. The damage is done to my credit report. Do not sign with this company: they're a joke.

I have had and maintained a Capital One credit card for about 8 years. One would think that CO would cater even a bit to one who paid their bill in full on the due date; however that is not the case. The last several months I have paid only amount that is stipulated as "due". However, I noticed a charge of $19+ on my June bill. I am usually careful about reading charges but somehow I missed this charge. I called CO customer service and was told it was a "finance charge". I asked how that could be possible when I pay what is due and he explained it to me but I still didn't understand and I repeated my concerns. He explained it again by first saying "well, credit card companies calculate it differently than you would".

We wrangled about it for about a half hour and I said to him that if this is not resolved, I will cancel my card immediately! Eventually he removed the charge. Following our conversation, I then went back and found that I had been charged this same $19+ on the previous two months. I did call back and it was removed after again a lot of "talk."

This past month I noted a $6.+ charge for "interest". Again I called CO and spoke with 3 different service people. It was explained that the charge was because my son who has a companion card had taken "cash out". I told him, there are already fees attached to that transaction that amounted to about $25 dollars and that is quite enough. The bill again was paid "amount due at this time," not minimum payment. He explained to me that the credit card company in the case of "cash out" charges interest from the day it is taken to whatever day your bill is paid in full. Even though you pay total amount due at this time, that doesn't matter. He tried to help me but his software would not allow him to. After about an hour on the telephone another "senior" clerk got permission to erase that charge and it is noted that this was done on this month's bill.

Company does not want people to pay on time. Those who do not pay eventually pay terrible charges or co-writes it off including the crazy charges. For company. it is a win-win situation.

Since January of 2009, I lost 54% of my income. I was working two full-time jobs, but was laid off of one of those jobs in January of 2009, and had the hours at my second job reduced to 28 hours per week in December of 2009. That job only pays $9.50 per hour, so I don't make that much. I fell behind with almost all of my creditors and began contacting those creditors, attempting to settle the accounts at reduced rates. Capital One refused two such requests (the second request offered a larger settlement than my first request). They turned my account over to a law firm.

My credit limit is $2,500, and I was close to that amount in late 2009, having been 11 months without my second job and very short of money. However, as I fell behind, continuing interest, late fees, and over limit charges have added over $600 more in costs. My balance is currently listed at $3,168.78. As I had recently begun receiving unemployment benefits and was in the trial period of a mortgage loan modification, I responded to the law firm, with a copy of the letter to Capital One, informing them that my financial situation had improved. I offered to pay $150 per month to bring my account current within 5 months, resume normal payments after that time, and stated that I would make additional payments whenever I could to pay this account off as quickly as possible. That $150 is about three times what my minimum monthly payment previously was. I asked the law firm to discuss this offer with Capital One and advise whether or not this would be acceptable.

Also in that letter, I informed them that I had contacted an attorney who advised me that 93% of my income (a state pension and the unemployment benefits) was exempt from any collection efforts. That meant that a lawsuit and subsequent wage garnishment would yield only about $20 a month to Capital One. I was offering $150 a month. I informed them that I had no equity in my home and the home was homesteaded, I had no equity in my vehicle (I owe approx. $17,000 on that), I have no cash reserves, and I own no other property. I don't have anything that they can take, other than the $20 a month in a wage garnishment.

I received no response from the law firm, but did receive a letter from Capital One, dated July 1, 2010, that my account was now being handled by TSYS and that future settlement attempts needed to be handled by them. Obviously, they were not willing to accept my $150 a month, or make a count offer and see if I could afford to pay a little more. It appeared to me, from that letter, that they had charged off my account and sold it to a collection agency. I pulled my credit reports and this account is listed by all three credit bureaus (Experian, Trans Union & Equifax) as charged off and in collection. I assumed that was also the reason that I had received no response from the law firm, as it appeared that they were no longer in the picture.

Although I was told by Capital One, in their letter, that I should contact TSYS, I chose to wait for them to contact me. I was hoping that it would take them a few months to get to my account, and we would be closer to November of 2010. Several creditors were willing to work with me and those accounts will either be paid off or brought current in November. At that time, I will have more money available to help with settlement negotiations or a payment plan.

In spite of the fact I pay my monthly bill on time every month, I have been receiving collections calls from Capital One for almost a year now. The calls are always the same. The representatives tell me that my account is almost $300 dollars over the limit. I tell the representative that the overage is from over the limit fees charged by Capital One. The representative is asked to look into the matter, and not being able to look back in the system past six months, the representative informs me that I charged my card over the limit; an impossibility since I destroyed the card long ago.

Representatives are consistently unable to communicate further than the collection script from which they are working. The majority of the calls come from Mumbai, India. The breakdown in communication and inability to relay my plaints are always frustrating, putting both the caller and myself on the defensive, and never resulting in a satisfactory solution. The last representative I spoke with, after stating I would send a letter, could not even give me my full account number to reference for this letter. All she said was, "Be sure to include your name." Knowing I was sending a letter, she still did not offer help or a solution.

The aforementioned grievances are indicative of the lack of ethics, and the business as usual attitude that permeates Capital One's business practices. During this economic recession, many have fallen on hard times. It is impossible to make ends meet and keep bills paid. Those of us who hold private credit card debt feel the pinch just like everyone else. We have received no benefit from federal economic recovery and bailout stimuli. Capital One, however, has benefited handsomely from the federal stimulus package. I would have thought that a company receiving federal funds in order to keep its doors open, would conduct their daily business with a bit more tact, leniency and understanding. I would have imagined that Capital One would have been as compliant with their clients who are financially stressed as my federal government has been with them. However, Capital One, having benefited from the federal stimulus, continues to conduct business as usual; unregulated, bullish, unethical and harassing in nature.

Collection calls, harassing in nature, absurd in their frequency, lacking in ethical professionalism and disregarding the economic hardships of others are exemplary in their hubris. No offer for solution is ever proffered. No assistance is offered to restructure the account. Harassing calls demanding payment of amounts due above the credit I have charged (due to excessive fees) are immediate and incessant.

From the representative's unhelpful responses and inability to obtain account information beyond 6 months prior, it is obvious that this behavior and practice will continue unabated. Are you aware of the liability issues involved here?

You are aware of the invasion of privacy, continual harassment, and the unethical and usurious fees created here. My debt to Capital One does not allow the crime of invasion of privacy, "seizure of my effects", and usurious fees and capital gains. I am sure that Capital One does not wish for this to become a matter in the courts. What do you plan to do to reconcile or make restitution for this grievance? I do not intend to let this issue go unanswered. High, usurious interest rates, inexplicable and unimaginably opportunistic fees collected, and practically non-existent customer service, present just tip the iceberg of complaints and complications in my dealings with Capital One. The real issue is that I am expected to pay Capital One monies that I did not charge to my account. I am requesting that these fees be removed so I can continue to pay the balance due that I charged, and that I receive a statement of all fees and charges associated with this account since it was opened, so I can further illustrate my issue when petitioning the government or speaking with counsel.

I will continue to petition my government, as is protected by the 1st amendment, and research the legality of these usurious over the limit fees, especially as it pertains to the consumer protection agency and legislation therein. I also am researching whether the 4th amendment is being violated by Capital One as they try to "seize" my "effects" without "due process". I did not charge this amount to my card and feel my assets are being requested and taken wrongly.

Capital One has succeeded through the forced generosity of the American taxpayer. It is criminal that after such a bailout, it is business as usually at Capital One. I expect your response.

I had a Credit Card with a 9.9% interest rate. When I opened a bill about a year ago, I noticed that my payment had increased. I looked at the interest rate and it was $17.99 interest. I called and spoke to a Capital One rep and asked why my Interest rate had increased since I had always paid my bills on time. I was told because Capital One had made so many bad loans.

They had to make up the lost money by charging higher interest rates. This was on a existing balance so I asked to speak to the supervisor and was told the same thing. She then said, "Hold on let me see if I can do anything for you to lower the rate." She came back on right away and said, "Sorry, there is nothing i can do." I advise you to get another card with a lower rate and transfer your balance to that one and keep Capital one for emergencies.

I was a brand new customer with Capital One credit card company, being approved on August 4, 2010 and receiving my card on August 11, 2010. I activated my card and then went to the bank to withdraw $20 on a cash advance just to see if the card was activated. The bank denied the transaction. When I called the customer service line to see why, I was told that the "security feature" had been activated and that I would have to send in a lot of unnecessary personal information. I blatantly refused and asked them to close my account immediately!

I am glad I did because I see now that it would not have been worth the hassle to be a "platinum" customer with a $300 line of credit. I was hoping to build my credit as a recovering over-shopping, ill-informed teenaged consumer. Now I am extremely disappointed I even allowed this company access to my credit report. As it is bad for your score to have multiple credit checks, I have to wait another 3 to 6 months to apply for another credit card. This time, I will make sure it is a secured account with a reputable company. This company is a straight up scam and no one should use this company to build credit ever! What's in your wallet? Capital One's grimy hands!

I did a balance transfer and did not receive a statement for 2 months in which I received a call that I was past due on my credit card. At that time I made payment over the phone. $45. I told the woman I did not receive a statement and that I need to have statements mailed to me. A couple months go by and the same thing happened. I did not receive a statement. Received a call on the phone to make payment. At this time, I was furious and told the rep that I needed paper statements to pay from. They sent me May, June and July which came on the same day at the end of July. I asked repeatedly for resolution in which Hugh informed me that there is no resolution. I asked for his supervisor and he told me they don't take phone calls.

Yes, they have been calling me every time of the day, even at night when it is past 6 pm. I would like the bank to be shut down or have people fire and have them stop calling me saying they'll have me arrested. They have been very rude to me. Please send a respond back.

They have bad credit card policies. I feel that they are not following ethical and legal credit card policies. They have raised my interest rate on the non-promotional balance. While checking my statement on this in-active card, I discovered that my principal balance was actually increasing on this portion of my balance. They are effectively charging interest on interest. At this rate, I will never be able to pay off this card.

On the month of August, I had been using my card to keep track of restaurant bills due to a fire in my home that left me and my family in a hotel for 2 weeks. I believe that made them take note of so much activity on my card because I hardly ever use my card. I am a perfect customer to them, balance is low and never late on my payments. After receiving my statement on Thursday August 5th and seeing my available balance was 3,705.68 (credit limit of 6,900 and previous balance of 1,604.72), we had gone to the store on Saturday the 8th to purchase tiles for a portion of our basement that had been destroyed by the fire. We have to pay first and insurance will reimburse us later.

The credit card was denied for a purchase of 768.25. Embarrassed, I asked the girl to run it again as there must be some kind of mistake. She gave me that look like whatever, ran it thru and it was denied again and she laughed. Getting out of the store I called the card services, so embarrassed and mad at the same time. They said my credit limit had been reduced from reports from the credit bureau. I asked them if my perfect history was taken into consideration in their decision and they said no. I have not received a notice of this change. Today is the 11th and after speaking with them they said they didn't have a phone #, which is a lie because they contacted me by phone when I was in Mexico in march 2010.

I would like to be added, made a recipient in the class action suit against Capital One. I too had a monthly membership fee, and payment protection. When I lost my job. I was give the run around, all kinds of excuses of why I didn't qualify for something I was paying for. I wound up with past due fees, over the limit fees, finance charges, a "Corresponding APR"of 22.40%, a periodic rate of .03167%P.

Along with my regular finance charges, it became too much. At request I can provide account information details. Please contact. Thank you. Added emotional distress. Ruined credit standings. Prevented me from the ability of obtaining long term employment, housing (Apartment Rental etc).

I must relay an entire series of events which I consider to be disturbing. I feel appropriate actions must be taken to rectify this situation. I applied for a secured credit card on July 22nd and was approved. I electronically transferred $2000 from my savings account to your bank as a deposit. I then called to make sure the funds were received. I was informed they were.

About a week later I received a telephone call (and a mail afterwards I believe) from the fraud department informing me that I needed to call Capital. When I called I was told I needed to submit a savings account statement. I ended up speaking with a supervisor because the customer service agent didn't explain this properly. The statement needed to include my name, address, and account number. This was to prevent fraud which seems to be a huge problem for you with these secured cards (I was told this). Apparently, my bank doesn't freely give out this information so I agreed to send the statement. I was told to fax the document.

I asked the supervisor what the fax number was and waited at least 4 minutes (glanced at clock) for her to find the fax number. I told her while she was looking to give me the physical address. No answer. Keep in mind, you contacted me. I called and the supervisor can't even give me a number for what you required that I send for at least 4 minutes. I called my banker and requested this be sent immediately. He told me it would be done within the hour. Another week passed. Still no card. I called Capital to find out the status. I was told the fax wasn't there and maybe it was delayed in the Caribbean (I didn't know you sent jobs there) and you should have it soon. I finally got my card in the mail but was unable to activate the card. I called again and was told by a CSR that there was no fax. I had confirmed it was sent by my bank. So I spoke to a supervisor (Alfred?) who told me the fax had arrived. He verified this and said everything would be fine this week and he would make sure of it.

So yesterday, I received another letter but I was going to call anyway as 14 business days had passed. I was told by a supervisor that no fax had been received. I asked to speak to an account manager because I was concerned since I was assured it was in your possession. I was frustrated and decided to just do business elsewhere and explained my problem to the account manager. Rather than trying to keep my business, he (David) said he would connect me with someone who would help me cancel. I was on hold for 25 minutes. By the way, these delays are constant and I was hung up on three separate times. I started leaving my phone number early on in case this happened.

I finally hung up because I couldn't wait any longer at that moment. I called later and was told the card had been canceled by a CSR. I was surprised and spoke with another supervisor and asked if I would receive some sort of e-mail explaining the terms of the refund (when , where, etc). She said no but I would get a letter sometime later. Her name was Ashley. I asked to speak with an account manager to confirm this and request something in writing to verify the refund. After all, I got one when I sent the money so it seemed practical there would be some details available. The next account manager was very nice. Her name was Koren. She told me that you don't lose paper at Capital (yea sure) and I just needed to send the fax again. Or I could go ahead and cancel. This process seems to be confusing to everyone but me. I sent $2,000 of my money to use and I want it back since you lost the fax and no end is in sight. So, she told me that this was a new product (a secured card) that was being introduced again and there was much fraud and she didn't know the details of canceling.

She then told me she needed to check with the products division. She had me connected to a man named Calvin. I thought he was a supervisor. He explained that it would be two billing periods (2) before I would get my money back. So basically I am not able to use this money for a security deposit elsewhere or anything for that matter. So then I decided after finding out it would be two billing periods, that I would just send another fax. He replied that it was "too late" and that the refund was already in progress. I'm not sure this is true because we're talking minutes here and it takes 2 billing periods to get the money.

The purpose of this waiting period I thought was to make sure no other charges appear on the card. I Never had an active account at all because I couldn't activate my card so how could this apply to me at all? I told him I thought this was silly and asked to speak to a supervisor. I was disconnected (what a shock). I called Koren again and with my phone dying (was on the phone 4 1/2 hours) asked her if this was true. She said it was policy but she had the authority to open my account if in fact it was closed. She showed it open contrary to Calvin. So I chose that option for now. I'll send another fax and yes, you do lose paper, maybe faxing and investigating from the Caribbean to here.

But I must tell you, this is still problematic and you can expect the worst possible outcome. This is a horrible example of customer service. I'm sure you've heard the theory that if a person is satisfied with something, they may tell 3 people; but if not, they will tell 10 people. This will be the case and that's the good part as far as you are concerned. Thanks for your time. I don't want to do business with this bank but am forced to do so or wait two billing cycles to get my money back. I Never was an active customer. My card was never activated. They wouldn't allow it. I can't use the money as a security deposit elsewhere.

I receive regular updates about our account ending in **. We have not now nor have we ever done business with Capital One. I have a registered letter telling them so, that what they are doing constitutes fraud and that we are not responsible for any charges made on this account and to stop. They have not. I just received another report today. At this point, I am concerned about credit card fraud. How can I make them stop?

I applied for a prepaid credit card in March and made deposit of $200. Then, I withdrew my application in April 2010. They said it has been cancelled and they told me I should expect I check within 15 days. I called them again and again and every time, they tell me to wait 15 days. I have a huge list of senior account managers and their IDs and no one ever called me back. All they do is take my number and ask to be patient and wait. It has been 3 months and I never got my check of $200 deposit that I made.

Three weeks ago, I purchased, or thought I did, a new car that was apparently financed through Capital One. I have been speaking to Jeff about this loan. I went to pick up my tags for my car to find out I have never been financed for my car. Simply, because Capital One did not approve me. What I do not understand is that, I spoke to Jeff twice this week and not once did he tell me this. Maybe it is not his job, but he did a crappy job of delivering messages, especially to wait 3 weeks to do so after moving to another state.

My car dealership has done an exceptional job of helping me get refinanced with another company and I will never have anything to do with Capital One. It would have been simple to not finance me weeks ago or just have told me when I actually spoke to him directly instead of making me wait 3 weeks. Why beat around the bush?

I always pay my credit card bill in full. A couple of months ago, I read the bill wrong and underpaid it by about $20. When the next bill came, it included the amount I underpaid along with an interest charge that exceeded the amount I had underpaid. When I inquired about the more than 100% interest, I was told that when you don't pay in full you are charged interest on the total amount of the bill.

I then asked them to close the account and I would pay off the remaining balance. This I did. Then I got another bill from them a month later, with a new charge from a linked account (eBay). Instead of rejecting the charge, which they should have done, they sent me the bill along with some more interest - which I can't figure out, since the charge was new and the bill wasn't late. They agreed verbally to take off the latest interest charge and let me pay the last bill and close the account. This I did.

But today I got a call from them that there was some recent, suspicious activity on the card and we have to go through an investigation to see about these fraudulent charges. They continue to leave the account open! Now they say the only way to correct the problem is to close the account and issue me a new number. I told them I don't want a new account, but they say that's the only way to fix this problem. They've got me speaking with people that have such heavy accents. I can barely understand what they're saying, and I don't have any guarantee this will be dealt with, other than someone's verbal assurance.

This is the worst company I've ever dealt with. They are the reason we need financial reform.

Capital One advertises for no hassle. What a load of you know what. You're not allowed to redeem points unless you have points in full, no partial points allowed. To me, that's false advertising! Who has 100,000 points at a whack? Not to mention, no blackout dates. It just means that they jack the prices up during those periods! Very much a hassle! I'm not going to argue semantics, I don't like being misled!

My Capital One MasterCard credit card interest rate went from 8.9% to 17.9% for no reason. I never received any info on the increase. I tried to get them to drop it back down to the 8.9 and cancel the card and I would pay on it until it was paid off. They said no, they didn't have any promotions going on. I told them they were crooks. Doubled my interest rate, I can't pay that interest rate.

I have received numerous calls every day from Capital One Auto Finance since June 2010. They call my home beginning around 8:00AM until late in the evening. They are looking for a person who I've never heard of and who does not live at my house. The person they're looking for has the same last name as I do, which is a very common last name, as common as Smith or Jones. I've told them several times that the person they were looking for does not live here so take my phone number off of their list. Of course, they continue to call! I've never had an account with Capital One or Capital One Auto Finance (and I never will)! What's ridiculous is that they're never going to get a dime from the person they're looking for because they're not calling him, they're calling me and they're certainly not going to get a dime from me! Besides the fact that the calls are very annoying, they interrupt my day all day and have caused me to miss several important calls.

Today at 5:45 August 3rd 2010, I went CapitalOne bank at H6 and W Little York rd. No one asked me that's why I am here waiting for 30 minutes inside waiting area, no response. I saw two associates were at Tailor and one lady was working with customer. I went to open bank account and apply for mtg loan . I left bank without any help . My name was still written at waiting list . No one even looked or smiled or made eye contact with me. I will never go to Capital One bank. This was third time this happened to me. If any one reads this, please notify customer service. I will never recommend this bank .

I am on permanent disability and Capital One gave me a credit card for $300. I tried to pay it down but the charges and fees kept getting larger. I called for a hardship because of my illness and they refused to help me. I had no means of getting up even a payment so my $300 card sky rocket to $880.69 and now they are suing me.

After years of using a credit card with no rewards, I did research on which cards provided the most benefit. On their own website, Capital One No Hassle Rewards proclaimed "$0 Annual Fee", for excellent customers, so I applied. When I received the card, I called to activate it, and found out that there would be a $39 annual fee. When questioned, Gabriel could not tell me why - either my credit score wasn't high enough to qualify for that card (it's over 900!), or they had sold "too many of that particular product". It's not the point of $39, it's the "bait and switch" tactic they use.

Now, if I close the account, it will affect my stellar rating. Gabriel said I could call on the month, when they did assess the annual fee. He said it could be between next month and next year, and call to have it reversed. That may or may not work, he said. It would have been better, never to have opened the card at all. I will be writing Richard F., CEO, and the Attorney General for Virginia regarding this matter. Consumers, beware - don't have Capital One in your wallet!

In October of 2004, I opened a Capital One credit card account. I was encouraged to purchase the payment protection plan and I did. I charged a total of $908 on the card prior to losing my job. I did not use the card, even once, after losing my job. Believing I would get another job quickly I continued to make the payments on my own until it was impossible to continue to do so. I contacted Capital One in order to engage the payment protection plan and they told me I had waited too long, from the date of my unemployment, to do so. I was no longer qualified to use the plan. They continued to charge me monthly for the payment protection but would not allow me to use it. As a result, I fell further and further behind and accrued interest and late charges. I contacted Capital One on six separate occasions to request that the charges be discontinued but they ignored my request and continued to charge me.

The payment protection fees, plus the late fees drove the account over the limit and now I was being charged over the limit fees as well. In addition, I was also charge an annual membership fee of $59.00 - this is for a card that I canceled. The APR rose to 29.24% which further compounded the problem. In June of 2007, I was contacted by a collection agency, James A West, and spoke with Mr Gary **, who informed me that the balance due was now $1560.75. After discussing the account with Mr **, he and I agreed that I would make 9 monthly payments of $100.00 each. And the account would be satisfied as paid in full. This seemed like a final way to get this monkey off my back. However, it did not turn out that way.

I made all nine payments, on time, marking the final check "paid in full". At this point, I paid a total of $2,150 to Capital One for an original dept of $908. On May 20, 2008, three months after the final payment was made, I received a letter from another collection agency, Eichenbaum & Stylianou, stating that I owed Capital One $1,156.74. Thinking this was a simple paperwork error; I contacted them and explained that the account was satisfied as paid in full to the collection agency of James A. West. After Eichenbaum & Stylianou I was contacted by yet another collection agency, The Northland Group, who were attempting to collect in the amount of $1,379.63. They offered a settlement in the amount of $872.78. I contacted them, at once, and again explained that the dept was satisfied.

To date I have been contacted by 5 different collection agencies all with different a balance due. I contacted the Office of the Comptroller of the Currency who forwarded the information to the Federal Reserve Consumer Help Center. They found that I had sufficient evidence that there was an error - I sent every one of my billing statements and the letters from collection agencies - but since the dept was charged off there was little they could due. It's important to note that while I have a letter from Capital One stating that the dept was charged off in April of 2007, my credit report shows it being charged off in May of 2009.

This has been a fiasco and the most dishonest, unethical business practice I have ever experienced. While Capital One has been insulated against any negative impact from their mistake I have not. This has destroyed my credit and made it impossible for me to get a reasonable interest rate, a car loan or a student loan for my daughter's college. We are still trying to recover from this. I was just turned down for a car loan, again, last month.

I have done everything I know of to get this corrected, all to no avail. I simply don't know what else to do. If I can do anything to prevent anyone else form experiencing the same thing at their hands I happy to do so. This experience has severely damaged my credit causing me and my family to suffer a great deal of stress. I cannot get a car loan; I cannot get a student loan for my daughter to attend college. I was turned down for a lower mortgage interest rate and auto insurance, all because of this one "bad dept" when in fact it was paid two and one half times over.

It seems like it will never end. They continue to "update" my credit report making it look as though this dept was just charged off when in fact it was charged off over 3 years ago. I feel like a complete idiot for taking the credit protection plan because it was useless and cost me a great deal more than it should have. I was diagnosed with high blood pressure and while I'm not blaming it on this incident, I can assure you it didn't help!

On July 7th, we received a letter from Capital One dated July 3rd advising that we call regarding suspected fraud charges. We called immediately, were given the suspect charges, we checked with our employee responsible for the charges who confirmed they were legitimate. We called Capital advised them of this and were told that our card had already been cancelled and we would receive a new card in 2 days. We did not receive the card in 2 days and when we called to complain were told they would send another card again to be received in 2 days. The card has still not been received.

Another letter from them dated July 15 obviously totally unfamiliar with what had already transpired started with "We have received notification of your lost/stolen credit card and a restriction has been placed on the account to prevent further authorization of charges." Our bills are paid in full each month. This is a company that is not paying attention to a customer's serious problems and is causing serious harm to the customer.

We had a current balance of 17k on a Capital One credit card. I had been out of work for more then 6 months this year and living on a strict budget and barely making ends meet.

Capital One would not lower our interest or help us out in any way, therefore in an effort to be good citizens, my wife applied for a Discover card and transferred the Capital One balance on it since it had 0%interest. It turned out that Discover only made a payment to Capital One of $5400. We didn't recognize where the payment was coming from and it went under the department of payment investigation of Capital One. When we figured it out, we asked the Capital One to send the $5400 back to Discover and called Discover and told them we were only interested in a full transfer balance not a small payment. This happened on May 10th of 2010. Ever since then, my wife has been almost weekly if not daily with Capital One and Discover card as well. Our Capital One balance is today $17K and Discover card balance, $ 5709.

My wife and I had spoken to countless senior account managers and these are some of the contradicting things they told us: "the money had been sent and it will take between 48-72 hours to process" or "it takes between 2 weeks to 17 days" or "we sent the money but Discover keeps rejecting the funds". Discover absolutely denies that. We even had three way phone conversations with Capital One and Discover where Capital One promised to send the funds and I had just called again, and as of 5 minutes ago, Capital One is still holding $5400 on which we owe late fees and charges and are at the point to be turned in to a collection agency.

I've been told by an account manager that, "If you people just pay your bills you wouldn't have problems." That's just one of the many things, I have a big list of things said to me. My home was sold in an auction before that date written in a letter from the manager in a modification. Rescinded on the same day, but no one has explained much after that. I don't know what's going on. I called them and they told me that the modification would not work because they found I had $35,000 in the bank. That is not true. I tried to explain to the closer that that money wasn't available, that it was a secured loan against that $35,000 and that none of it was available. Please, maybe you can get them to answer.

I've been in bad health since this happened. I can't sleep, I'm losing lots of weight due to stress caused by Capital One. I've been trying to work with them in every way. I now call every day. I'm now having trouble collecting rent because of all the people coming and posting things on my units and then being told by people that the units were sold.

This Capital One credit card was my first with a $300 limit. My troubles with them started approximately 5 years later. My card had a 2005 expiration date on it. I called after not receiving the updated card and was told it was in the mail. I explained that we were moving out of state and wanted to make sure I had the new card before we moved. Well, you know it, we moved in August 2005 and still no card. I called once we were moved in and was told that they would check. In the meantime, I'm making automated payments on the card, in fact, I was about to pay it off again!

I called my bank, they confirm they sent the payment well before the due date and say they will called Capital One.

The bank managed to get Capital One to take back the late payment. Bank called me and told me that they told Capital One they were going to report them for holding on to a payment past the due date. Well, I got laid off in December 2008, close my bank account inFebruary 2009, stopped all automated payments. I ended up overpaying Capital One and they owed me money, think they called? Capital One changed my due date, causing a payment to be late. I called about that and tried to pay over the phone with my debit card. They refused saying that they only take another credit card or debit card with bank account information.

Funny how every other company will take a debit card for payment, like AT&T, Verizon, the gas company, electric company, garbage company and other credit cards. You send them what you can, trying not to be late and they still call and insist you pay them like $100 more than your payment, on top of what you paid. And how many of you have actually talked with someone who doesn't have an Asian, Hispanic or Indian accent? Oh, and I still have a card with a March 2005 expiration date on it. I couldn't use that card to save my life, but they can add whatever charges they want to it.

Today, I got a call from a local area code, the guy states he's calling from some tax place about Capital One. What? We got a tax refund so we don't owe any taxes. He starts out nice and then states that the State of Nevada will get their money. Sorry, I don't owe Nevada any money. Then he claims that the reason why I haven't gotten a job is because my credit rating is bad because I don't pay my bills. Sorry, again, Capital One is the only bill I've had a problem paying and I had a part time job in the meantime that my credit rating apparently had nothing to do with them hiring me. He got extremely insulting about my character and lifestyle, at which point, I hung up on him.

The bottom line is that I can't understand how a company can say that you have an open account when they have refused to actually give you an updated card, refuse payments over the phone, change your due date, charge you late fees and interest rates of almost 30%, harass you on the phone but say they have tried to work with you! I say that I should only have to pay my limit of $300 and then please, Capital One, cancel my card and never, ever contact me again! Without a steady income, the high interest rate, the company not accepting my payments over the phone with a valid debit card and secured by the State of Nevada, has caused the balance to more than double and the calls to be increasingly insulting. Capital One's practice of holding payments until late so they can charge the late charges has got to be illegal.

I took advantage of their "0% loan" for one year and paid their upfront 3% fee which, at the time, was lower than my local bank. The repayment schedule was and still is 1/12 each month for 12 months. In the meantime, I used the card for monthly charges -- about $1,500 each month -- paid on time, in full. Despite this, they are now charging me interest.

Correspondence to the three top executives resulted in a meaningless letter from some lower level officer. They're making extra money and no one has sufficient ethics to rectify the situation. This happened once before, and I stopped using their card. Their ad pushing the 0% loan ** me back in. How else can I let the world know about this rotten way of doing business? Stay away from Capital One.

Talk about credit card companies taking advantage of you! I'm one of the many that has a husband who hasn't been working (since there isn't work) and therefore not able to make certain payments on time. However, we are making payments. Trying to keep our credit at a decent level so that if the economy does turn around, we'll be able to buy a house again (since we had to sell ours to survive). I try to make a lump sum payment towards our debt (not a settlement payment! ) for Capital One to lower our interest rate which is just shy of 25%. They say no, "the only way to lower your interest rate is to make 12 consecutive payments on time." That's another 12 months of paying almost 25% in interest! No wonder the credit card companies aren't hurting!

I've had great success with Chase and with Discover. They will at least work with you so that you can try and keep your head above water, but not Captital One. When we do finally get out of this situation we're in, I will never have a Capital One card or use any of their affiliates for any of our loans, credit cards, etc.! Let's show them what its like not to have money coming in!

I been on SDI since April and I won't be going back to work at all, I hurt myself at the job. I ask to go on a hardship to help me, and I got turn down because your ** rules suck. Here I am trying to get caught up in my payments and you ** damn people tack on late charges I can't pay for late charges. I even talk to the manger and he won't help me. Just what kind of a company you are running? I'm going to see if an Attorney will help me. I had direct deposit and you mess me up on that so I have to pay the fees you people screwed me on with my bank. You people are **. I am going to be on disability for a whole year and I can't get any help. Thanks a lot.

I can't get ahead on this account; I have been paying on this account for 16 months without charging any more on it. I only had a $500.00 limit, I have been paying $80 to $150 a month. They call all the time for more payments; I don't want to set up prepayments. They call 20 times a day until you do, then it will cost me lots of money if it bounces!

Capital One increased my interest rate from 9.9% to 17.9%. My payment history is good. I always paid more than what my monthly charge was but I still got the increase. They did not give me a reason for raising the interest rate. I just don't think it's fair since all of my payments have been on time.

I am an executor for my late mother's estate. I provided capitol one with all the documents needed for settling the estate. Death certificates were issued as was a will naming me the executor! This dishonest corporate group refuses to release funds that are left to me because they say I must go to court first. Meanwhile they will continue to make money of my assets while they are frozen! I want this complaint seen by others so they can protect themselves against unnecessary court and attorney's fees! My attorney's fees will be high and I needed access to these accounts for repairs on the house she left and numerous bills.

I have been a Capital One cardholder for 10 years. In Feb 2010, I received a letter from them stating my "Introductory" APR expired. The net result was my rate immediately changed from a steady (for numerous years) 4.95% to 15.9%. After reading that letter, I immediately called their customer service line to ask (1) why since I have never exceeded by limit nor made a late payment and (2) what options did I have to get my rate back to what it was or at least lower.

I was told, "We understand your frustration but we apologize as there's nothing we can do at this time to lower your APR. Please call back next month to see if it's possible at that time to reduce your rate. In the meantime, I'll notate your account that you called to inquire about lowering your rate."

Since Feb 2010, I called each month with the same question and was literally given the exact same (scripted) reply. In the meantime, my monthly minimum payment more than doubled to Capital One. I've struggled but paid each one and did so on time. July 2010, after six months of struggling and calling Capital One, I called again with the same question and was told by "Seth" that I could "Opt-out of the new terms" that caused my APR to jump.

I immediately reacted, informing him that I've been asking this question for six months. Why only now was I offered this wonderful news? His answer: "We are discouraged from telling customers about the opt-out option which also places your account in restricted status."

I asked, what "restricted status" meant and he clarified that "the card could no longer be used for purchases but would reinstate your original APR of 4.95%. "I nearly shouted "perfect! " when he told me this news. He said he would need to transfer me to a "senior account specialist" to complete my opt-out request.

I waited approximately 5 minutes and another gentlemen took over the call. He was quick to tell me: "You've unfortunately missed the window of opportunity to opt-out of the new terms and, therefore, you are stuck (he actually said stuck) with the new APR of 15.9%"

I was livid. I told him how I've called for six consecutive months asking how I can get my old APR of 4.95% back but was told to call back. And that my inquiry would be noted on my account. He proceeded to tell me "I'm sorry but there's no record of you ever calling to ask about your APR or any other reason". If I could have jumped through the phone to strangle someone at Capital One, I would have. I told him this is a scam and that I would be blogging this online on as many websites as I could locate.

He said, "I would do the same if I was in your situation". Either way, Capital One are running a dirty business of lending. Just Google "Capital One screwed" and you'll find a ton of posts like mine. I wish I could dump this account but, unfortunately, I'll be stuck paying off the balance well into the foreseeable future.

I have been banking with Capital One Bank for over 2 years. During the course of the last 4 months, between March and July, I was charged over $400 in ridiculous "overdraft fees" on my checking account. I have tried to dispute these fees to see if they can be reversed, but they seem to not care about my concern. I even threatened to take my banking elsewhere, and their manager told me, "It is your prerogative where you do your banking." I never opted for overdraft protection and I always maintain my balance in a satisfactory manner, but they claim otherwise.

I called regarding the interest rate on $5.00 monthly service fee. My normal interest rate is 17.9%. They are charging 20.9% on the $5.00 monthly fee saying that it is a purchase. They are saying that my interest rate is a special purchase interest rate at 17.9% which is not true. I have had that interest rate for years. They are changing the verbiage on their statements so they can charge the higher rate as a purchase. I did not authorize the purchase. How can they do this? They are making millions off of people by doing this.

I am taking out retirement money from a job I worked at for 20 years. This will pay them back in 4 1/2 years, but they'll still pack on 8% interest allowed by Indiana law. I'm paying interest on interest and late penalties, aren't I? I, too, swear they were paid mostly on time, but it booked later than it should have in my opinion. My daughter got an ad from them, and I tore it up before she saw it.

They are crooks. My interest rate went to over 29% because of a mistake and they are not willing to help.

In December of 2009, I cancelled my Capital One credit card and have been making a little over the minimum payments monthly and had my $750.00 limit down to around $620.00. My card has not been out of my wallet since I cancelled. I only kept it in case I needed the number when calling Capital One.

On July 5th, I went on-line to make a payment for August and I noticed four charges on my card. I called Capital One and told them I have not used my card since cancelling, and I wanted to know why they were allowing charges on a card I cancelled; Frankie, from customer service, tells me that it might be a charge from before I cancelled the card and the company was holding it. I laughed at her and told her that's just ridiculous, and I do not want any more charges allowed on my cancelled card! She said that I would be credited and my card would not be charged again.

The next day, July 6th, I go on-line to see if the charge was adjusted and noticed that the same company had charged my card again after talking to customer service on the 5th. I sent a message and disputed the charge once again and told them to stop allowing charges on my cancelled card!

They adjusted it and on the 12th, I noticed another charge from the same company, and once again, I wrote and told them that I am sick and tired of this ** and if it didn't stop, I was going to my attorney; they adjusted it and now today, July 19th, the same company has charged my card again, and for twice the amount as the last several times. I cannot get through their thick skulls that I have had it! This is stressing me out and I should not have to babysit a credit card that I cancelled months ago and have been making payments on every month over the minimum.

I am disabled and I have enough problems without having to be ripped off on almost a daily basis because Capital One doesn't care about the stress they are causing me, and refuses to stop any charges on a card that has been cancelled for months.

I talked to someone in office before about this payment protection plan. Capital One put me on without my knowledge and was told to send the statement that shows when it started. I had the individuals email add but my computer crashed and I lost everything. I have the statements but I don't know where to send them.

I have asked repeatedly for a complete report of charges on my account starting in 2006. They will not send it to me. Instead, they placed a negative on my credit report. I have written numerous letters. I have called and they hung up on me. I still am requesting an itemized report, then will pay what I owe. I have said that to them numerous times. The letter I am currently sending them is below:

"I have had an ongoing dispute with Capital One for several years. It is still not resolved, yet I have tried numerous times to do so. At the onset, I questioned several charges and asked for a complete report of any and all charges related to the account. This occurred in 2006. To this date you have yet to comply with my lawful request. I have written numerous letters, asking for such information, giving you the name and account number that you needed to respond. Your response was to ask for the very information I provided. I called. The phone representative, Danisha, hung up on me. I stated that I was not refusing to pay the charges, but that I needed to verify them and would then pay what I owed.

At no time did I ever refuse to pay. I asked to verify them. Your end result was placing a negative on my credit report. I will still pay what I owe, after I have received a complete report from you and have reviewed it. You have acted unethically and most likely illegally. You even sent letters stating there was an 'unusual pattern' of charging. I provided you with not only my street address but my mailing address and you denied the account stating you did not have the street address. Your company has treated me completely unprofessionally. This is unacceptable. My one and only request still stands: provide me with an itemized report of any and all charges related to this account. I will then pay what I owe. You want your money; I want the credit report repealed. It should have never been placed since I repeatedly asked you to provide me with a report. Below you will find the information you need to comply.

I need a response from you immediately, stating that you will be complying with my request. I have sent this letter by email, as well as sending this letter by US Postal Service, and also to agencies such as the Attorney General and others that overlook consumer complaints."

I have been fighting with Capital One ever since I bought a car for my girlfriend. I took out a loan in my name with the understanding that she would make the payments. Initially, she tried to make the payments online herself using my log in information for the website. Due to the website keeping track of the IP address being used to log in from, she was constantly getting locked out and the payment that she did make online was lost.

The ACH shows as being deducted from her account but Capital One says they never received the payment. Additionally, as near as I can tell, the payments they require is for the month in advance. So in other words, if you fall a month behind on your May payment which is due on May 14th, then by May 20th, you will have already received a statement saying that you are now 2 months behind in addition to the appropriate late fees to reflect that even though the June 14th payment isn't even due yet.

To that effect, they have already started repossession proceedings when the last payment that was made was in April and they are now showing the account 90 days past due. Additionally, the repo man who just showed up at my house showed me the statement showing that the vehicle is 90 days past due and it's only the 15th of the month. They are using this to repossess the vehicle when the payment due date has just been reached and they expect the payment for the month in advance?

On top of that, they are now showing $500 in late fees. In Dec of 2009, I made arrangements with one of their supervisors over the phone to pre-schedule 4 payments of $400 from Dec until April. The payments were deducted from my checking account. The payments were processed and approved but since the payments were made through some form of third party, the systems at Capital One did not register as a monthly payment. In January of 2010, I did not receive a statement so I was under the assumption that all is well. Then in Feb, I received a statement showing that I was a month behind with late fees.

After half an hour of arguing with Capital One over the phone they assured me that everything was fine and once the final payment was processed in April that the system would catch up. Again in March, I was on the phone with Capital One and again, was assured that when the final payment was posted that everything would be caught up. The final payment was made and the following month I received a statement saying that the account was now 2 months past due and had $300 worth of late fees.

I contacted Capital One and advised them of the situation and was told that the amounts were correct and when could they expect payment. First they said that the account was actually 2 months past due and then said that the ACH payments actually caught me up since March and not April. I stated okay that's fine but it is now May 21st and even if that were the case if the account had been caught up and paid in full effective as of March 14th, how do they then justify $300 worth of late fees for the 2 month period? At $15 per month, that is $30 not $298. The answer I was given each time was the amount is correct, pay the bill.

Not only did they manage to charge me the late fees from Dec to Apr at an additional $86 per month but on top of that, they are trying to charge me the same late fees a second time and expect payment. They refuse to acknowledge my claims and will not even give credence to anything I say. No investigation, no resolution, just pay the bill. I am doing everything humanly possible under the circumstances to pay the bills that I actually owe without being held accountable for bills that are not even mine.

I did not mind picking up the slack and helping out my girlfriend when she fell behind but every time she falls a month behind, it ends up costing me a thousand dollars. I do not understand how they get their math? Currently they show the amount due as $1,600 for a car payment that is $312 per month x 3 months. By my count that amounts to $931 so where do they get $1,600? And to make matters worse every time I call them, the payment information changes to conveniently match their numbers.

Recently since June, I got a lot of calls from Capital One bank for my mother. In the beginning they would not reveal who they are and just ask for my mother name the got. I told them where they got my mom name and who are they affiliated with. No answer, hang up. Then call again and again, day after day, same technique to talk to my mom. I told them my mom is out of country and not interested in their bank. They insist to get her number which I repeatedly say she no longer live here and yet the calls never end. This is a harassment and got to stop. I think this bank is preying on elderly people and scam them into getting their credit card with fees.

Well, I got it to help me get my first place and help with any of the little bills I had or to pay for food then it got to the point that I could not afford to pay it at all. And all they do is call me non stop and then it went to collection. I was even sent note over and over and I would throw them a way because no way I could pay it. So now I am not sure if it is still open or don't care.

I paid off the entire balance on my Capital One credit card in May. Yesterday (7/14/2010), I got a letter from them saying that I had $32.08 due. After checking my online record, I noticed that there was $2.08 interest charged to my account after I paid it off and two past due fee ($15 each) charges on it.

Since I only received the letter from them two month after, I called Capital One service trying to get the past due fee removed. Instead, I got very rude customer service. The representative wouldn't even let me finish my sentence and refused to let me talk to anyone else! Of course, I didn't get anywhere. I ended up paying the fine and closed my account! It was such a horrible experience! I'll never use their service again in my life!

I have been with Capital One Auto Finance for three years now. Everytime I call the customer service, they will not allow me to talk to a supervisor, only one exception. I am not even sure he was a supervisor. I asked for a detail payment history of the past three years to be mailed to me and I have not yet received it. I recently had my car repossessed and I made a deal with Capital One Repo Department that they would waive my late fees and repo fee if I make a payment of $1675.32 to get my car out of repo. I asked for it to be sent to me in writing and I never received it. I later found out, through customer service, that they did not honor their end of the agreement. The late fees still remain. I asked for a two month extension and was given one.

I had to borrow the money to get my car back and I needed an extension to pay back the loan so I could resume my car payments. I have been bluntly lied to. In my last conversation, I was told by a supervisor that someone would be following up with a phone call to resolve this issue. As usual, no phone call. What can I do about this? The only damage is that I am being charged $416 of late fees, I did not get my extension, and I did not get a return phone call to resolve this issue.

I sold my home in VA which was financed by Chevy Chase and all went well; however. on my next credit report there showed a late payment of over 60 days. Upon investigating this, it was a payment from Chevy Chase to their buyout company Capital One, notwithstanding some one posted it on my credit report. I contacted someone at Capital One and was informed they could not remove the late payment reference even though this all was within their financial institutions. Are there any courses of further action I can take? Thanks.

I received my new "low-limit" Capital One Mastercard in the mail just yesterday. I called the number on the sticker to activate it. Less than 5 hours after that, it wouldn't work. I tried again today, and it still wouldn't work. When I called up the number located on the back of my card, the lady on the other end said that my card had attempts of being fraudulently used. Then she told me that to enable it to get my card back to working order. Their fraud department would need copies of the following:

and my 16-digit account number

This is unheard of! I've had fraudulent uses with other credit cards, and they never request this information! My 1st instinct was to close the account immediately, but the lady told me that until they received this information, they would not be able to close my account. I'm really not sure what to do about this now. I refuse to pay any charges that are happening on my account should a bill come with them on there!

I made some purchases in April 2010. In May, I paid them but leaving a balance of about $1450, which was supposed to be paid in full in order to avoid Interest. However, I overlooked it and they charged me $27.09 on June 8, 09. I called on June 10th requesting a waive for that Interest. They couldn't do anything. So I was just "Forget about it. I will pay the full balance." So I made a full balance payment of $1526.13 on 6/10/10. Every charges after that, I paid it right away.

July 8, the new billing cycle, I saw an other interest charge. Because I had a charge from Toronto, so I thought that maybe the International charge fee, but it wasn't. I called Capital One's Customer service. The first rep was willing to waive that immediately. I thought that they can't do anything to Interest charge! However, I wasn't satisfied with that. I think it was a mistake. So I asked to talked to the manager. She explained to me again and again that was an interest charge for balance that carried forward and, you only see it on the billing cycle date.

The bottom line is when I made a full balance payment on June 10 that didn't take care of everything. There is still accrued interest charge that I won't be able to see until the new billing cycle date. I believe they knew that it was a mistake at their end. That 's why they were willing to waive that immediately. But what if I thought I have $0 balance and I don't check, would that go unnoticed for month? Then they will charge me late me, and interest, and interest on those fees. It's is ridiculous. I have Discover Cards and it never happen to me like that. Capital One is not a good credit card to have.

I got laid off from my job and called Capital One to see if I could do something to save my car as I could no longer afford a $750 car note which held a 16+% interest rate as I was considered a subprime borrower. Even though I owned a condo and was making $35 an hour as a construction laborer. (That's another story) I entered into a direct pay program where I was making payments every two weeks when I received my unemployment and it was directly withdrew from my checking account. This was their only solution to my request for help. I went to their web site and checked my payment history as my principal balance had not decreased by much in six months. I check my payment history on-line and found that all of the payments in this plan had allotted the majority to interest.

I'm just wondering why a program they instituted to help you is actually a way of helping them get over on interest. Why even have the program and how could I owe more interest when I'm paying every two weeks. I told them to cancel me from the program and I'll pay them when I can as it did nothing to help me; it only exploited my circumstances. I used every means of trying to rectify this loan. I asked them if I could put the missed payment at the end so as not to jeopardize my credit report and consequently owe more late fees and etc. They told me no. You can only put one payment a year at the end and that's with a fee. I asked to do that and they told me I'm not eligible until July 25th. Until that time I'm being harassed and bombarded with interest even though they are exacting $35 each month as late fees, which now amounts to $473.69. Capitalized as payment due and charged interest capitalized daily. So for one month because I'm a month behind the summary looks like this.

I have borrowed loans for cars from Capital One, three times previously before this experience. We paid off one car and then needed to buy our son a car. He is living in Florida and is going to college. I borrowed the money from the blank check Capital One auto finance. I made a mistake and put my yearly salary in place of monthly. I understand this mistake. My problem is that they send the approved blank check in the mail. I live in MS. I discussed the blank check with a Capital One employee on Monday, June 7th, the day the check was to arrive at my home in MS. We discussed purchasing the car in Florida and she said it was fine. I get the check and go to Florida.

On Wednesday, June 9th, we purchased a car for our son from a dealer on the Capital One approval list. On Friday, June 11th, Capital One called and told me that I had made the mistake on my application and they had stopped payment on the check. My son already had possession of the car. The dealership had his old car. We had already changed insurance over to the new car. I was due to leave Florida on Saturday. They called me at 2:00 p.m. on Friday afternoon to tell me they stopped payment and I would have to get other means of payment. My problem with this is, I understand I made a mistake but why did they issue a check if there was a problem? I had no idea that I made the mistake and with this being my fourth car loan with them, how could my income, etc. be such a mystery? I feel they made more of a mistake than I did by issuing a pre-approved check. I feel their actions to stop payment on a pre-approved check is fraud.

I had to call and make other arrangements through family members in TN to wire money to my checking account so my son could keep the much-needed car. Capital One already knew my payment history with the other three cars--one being paid off; no bankruptcies and no foreclosures.

I feel that they are the ones who should have caught the application mistake and not issue the check. If they had turned me down for the loan, that would have been fine but they did not. I do not feel a loan company can stop payment on a check they provided, especially two days after it was written.

I received a letter from William of Capital One on June 29th. He stated in the letter that he felt they did nothing wrong and said that they told me to get a co signer. When the young lady called me on that Friday, she told me that they stopped payment on the loan and I would need to find other options because they had stopped payment on that check. She mentioned nothing of a co signer and she said that the check has a stop payment on it. I suffered extreme anxiety, pain and suffering; not to mention having to include other family members in my personal and financial matters.

I applied for Capital One online direct banking. I sent them a check. They placed my check on hold stating the funds on my check did not clear on June 28, 2010. For me to call back on July 1, 2010, I called my bank. They said the funds cleared a week ago. I called back on July 1, 2010. They still had my funds on hold and I asked them why they need personal documents to be sent to them. I asked them to close my account they did not want to close it. They advised me to call back next week. I called the corporation office. They said they will finally send my funds to me.

I ask them to send it to a P.O. Box instead of the address they said. They cannot send it to the P.O. Box. They have to send it to that address. I explained to the lady that at this time, I am not at the address to ensure for me to receive my money please send it to the P.O. Box. They refused and now I have $500.00 sent to my address and I am not home. I feel they are not a good company. Any company will send the check to person that is requesting.

We have deposited three checks monthly for the past 5 years, totaling $1,000, and cash, a personal check for expenses. On June 4, 2010, we made the deposit at the drive-up window. We had never seen this young woman before. She supposedly took care of the deposit and returned an envelope to us. We put the envelope away without checking. We did not look in the envelope until June 24, at which time we discovered that there was no cash and two of the 3 checks were gone, leaving one check in the amount of $500.00 and a blank check for the cash.

Bringing the envelope into the bank, I was told that they could not do anything due to the fact that I could not produce a deposit slip. The teller said that she never saw a deposit slip which was untrue. I questioned this by saying, if she left another check to be deposited, why did she not ask for a deposit slip or say she could not deposit without a slip. We called the issuing company who said they could stop payment and issue new checks, but two checks totaling $500.00 had been cashed. The bank is now insisting that we were given the cash. The computer says they gave it to us, but who programmed the computer?

Each check had "For Deposit" written on it. If she did not have a deposit slip as she claimed, why did she not inform us immediately that we needed one. I know that I included a deposit slip as I always do and I do not know what she did with it. When I asked why she did not ask for a deposit, I was given the silly answer, "Many of our customers deposit without a slip". So why did our deposit go awry?

Called to try and lower an interest rate of 18%, was transfeerd twice to management, Capital One does not offer any programs to help!!! All other credit companies have offered lower rates & payments to help consumers with debt. I find it disgusting they are making 18% off of me for years they have gotten their money ten fold. I want to pay my debt but they have made it impossible at 18%! I closed my account and will be forced to do debt consilidation which will hurt my credit and they will end up getting zero dollars!

Capital One increased my APR from 7.9 to 17.9%. I opted out of the new terms and agreement and the specialist agreed to close the account. A month later the account was still open, and for the second time i'm obliged to pay the exorbitant minimum payment at the exorbitant APRT. Capital One did not keep their own terms and agreement. Consequently, I have to pay an increase of ~$40 per month (from ~$68 to ~$108). I lost $40, because they failed to close the account. I already lost $40 on the first month they changed the APR from 7.9% to 17.9%.

I activated my replacement card via the 800 number. I spoke with the agent about use of the card internationally. She told me it was one of the few cards without any foreign exchange rate fees attached. Hence, I used the card with a Turkish tour company. My statement reflects no itemized fees, but the exchange rate for the charge in Euros was more than 25% higher than the published exchange rate (1.557 versus 1.19). This charge cost me ~$200 more than it should have.

Capital One raised the interest rate on my credit card from 11.9 percent to 17.9 percent, stating that I didn't respond to their "opt out" notification sent over a year ago. I'm looking at retiring in the next few years and am feverishly trying to pay off all my debt; some self-incurred but most as a result of a divorce. When I called Capital One, the "foreigner" on the other end of the line stated that there's nothing anyone can do to change the interest rate. When I spoke to the supervisor I was told the same thing. The change in interest rate means that now only one-third of my monthly payment goes to pay principal and two-thirds to interest. This change is really making it difficult to make ends meet. This is criminal.

I have had similar problems with Capital One that the other posters have documented, such as holding payment in order to be able to asses a late fee. However my current problem is that I phoned Capital One to get a payoff balance and to pay off my card balance. I paid my card off over the phone and now I get a bill for $49-for interest! I stated that I paid the total balance quoted to me, but the representative went on and on about interest and refused to credit the amount. I asked to speak to a supervisor and stated that I had paid off my entire balance and now received a bill, but they wouldn't help either. It is interesting to note that my bill goes to Charlotte, NC but all of the representatives that I spoke with had heavy accents that were hard to understand. The American names such as "Nicole" do not fool me. You get what you pay for Capital One, and these workers are not providing any kind of good service or clear communication.

I have contacted capital one 3 times including a letter, I sent 6-1-2010, to their investigative solutions department, re: charges for $19.95 on my acct by wc essentials for home as far back Oct. 2009 and probably longer as I didn't notice charges until I cut up my card and quit using it. I have statements since Oct. What capital one has done is take charge off in the payments and credits, and then add finance chg. then add back the $19.95 as new transaction. I have contacted wc home essentials, 888-836-6877, but they continue to charge me.

I've had my account (in perfect standing) with Capital One for eleven years. I submitted a balance transfer from one of my husband's cards last week, which was approved. The very next DAY I received a phone call from Capital One advising me that they were lowering my credit limit, and could not tell me the reason on the phone. I flipped out, told them that they had just approved my balance transfer, and of they lowered my limit the balance transfer would then put me over the limit by a nice sum. I then informed them that I would be immedietley be contacting the NYS Attorney General's office. They asked me to hold. I agreed. They said they would honor the balance transfer without adversely affecting me, but that the new reduced limit would stay.

I called Capital One at 12:30 am, this morning- I couldn't sleep. I asked them if, because my account is in perfect standing, they would reduce my interest rate. She put me on hold for a full 30 minutes!!! This company has never been so disgusting! When the very disinterested, very rude young man came to the phone (he was supposedly a supervisor) I asked to speak to another supervisor. He said he was all there was, and refused to put me through to anyone else. I did NOT sleep last night. I feel as though I'm being treated no differently than a person who either can not, or refuses to pay their bills!

If I hadn't threatened them with the attorney general, I imagine that the financial consequenses could have been dire. I have very good credit, and it could have ruined it. I've experienced no physical damage, but I have been so preoccupied with this that I can't sleep, and it's constantly on my mind! What if my other credit cards begin doing the same thing? I'm trying very hard to find a way to get this bill paid off ASAP, even of it means appluing for a new card to transfer the balance to.

I opened a MasterCard charge card with Capital One in 2008. In that time I have never had a late charge or gone over my balance, and I have always paid more than the required amount. I have good credit score. In May of 2010 Capital One raised my interest rate on purchases from 8.90% to 17.90%. I called the company June 25, 2010 and again on June 26, 2010 to find out why. I was told by (Rain) that the company changed their interest rates for everyone across the board. I told her I didnt think that was fair since I have been a good customer and paid on time. She agreed but said there was noting that could be done except for me to speak to an account specialist but they were closed and I had to call back tomorrow.

I did call back on the 26th and spoke to (Daniel), an account supervisor. He told me sorry but he was unable to make any changes at this time and I was just stuck with the current interest rate. I asked for an account specialist Daniel told me there was no such person. I asked for someone else to talk to over him and I was transferred to (Paula), a snotty woman with a southern accent who told me the only thing I could do was close my account. I am shocked and disgusted at this comment. How can a large company who survives on customers treat customers so bad? I want to start a class action suit against Capital One MasterCard and get this interest rate reversed and all the money they stole from me back and make them stop doing this to good customers.

In Feb 2010 the payment for my account was received after 5pm of the day it was due according to the representative I spoke to on the phone June 25, 2010 3:30pm eastern time. He removed the late fee but said he was unable to remove the late payment showing on the account. As a result he was not able to lower my interest rate. He told me that with the new federal laws Capital One now only needs 6 months of on time payments to lower the rate but since I was still being effected by the policy prior and there was a late fee assessed in Feb the rate would stay at 23% until October of 2010.

I asked him to give me an address of someone who i could write to to have this managed and he told me there was no one who could change it. So then he spoke to a manager who told him if I had not had the late payment in Feb that I could have the lower rate now instead of Oct. So I asked if I could speak to his manager. He told me there was nothing he could do for me but put me on hold. I was on hold and then disconnected. This seems a little strange and well to the advantage of the bank to keep the hirer rate until October based on a late payment that arrived on the following day. My payments are made via ebanking from my savings account.

I am writing to complain about the No Hassle travel I booked through my Capital One redemption program. Please note this is the first time I have attempted to redeem any miles or rewards.

2. June 19, 2010. My flight was scheduled to leave on Delta flight 2207 at 5:00 p.m. As I approached the airport, I got a recorded phone message saying my flight was cancelled due to mechanical problems. The recording contained no information about alternative flights. I continued to the airport, sought out a Delta ticket agent, and asked to be put on the next flight out. At first she said there were no vacant seats, and I would have to wait until 6/20/10 to depart. When I explained my plans and complained about the last two Delta flight delays I had experienced in the last 6 weeks, she found a seat for me on a 7:00 p.m. flight.

3. June 19, 2010. I waited for my 7:00 p.m. flight. It was delayed until 8:15 p.m. I boarded the delayed flight; we pulled away from the gate, and sat on the tarmac for about an hour. The captain said there was bad weather in Chicago, but we would leave when it passed. In another 15 minutes, the Captain said we could not leave because the flight crew had worked their maximum 15 hours/day, so we were going to return to a gate and get a new crew. But there were no gates open, so more waiting. Finally we returned to the airport, but they had not found another crew. We were directed to return the next morning, 6/20/10, to board a 7:00 a.m. flight. They explained our luggage would be sent ahead to OHare Airport.

4. June 20, 2010. I arrived at the Minneapolis airport at 5:45 a.m. The flight was delayed and we left at 8:15 a.m. When we got to OHare, our luggage was no where to be found. We waited another 45 minutes before our luggage arrived. Mind you I had now missed the family golf tournament. The only reason I had checked baggage was because I took my golf clubs for the tournament. So I wasted $50 carting my clubs back and forth for no reason.

5. I picked up my rental car and still had to pay for two full days because I would now have the car for all of 26 hours.

6. I got an early start on Sunday from Champaign, Illinois to drive to Chicago to make sure I had plenty of time to board and check my bag. My flight from OHare to Minneapolis was scheduled on United Airlines, flight 687. I waited in line to complete the online check-in, but the computer would not recognize my reservation. I repeatedly asked the ticket agent for assistance. Four ticket agents went out of their way to either completely ignore my requests, or disrespectfully tell me to use the online check-in process. I told the ticket agent I had tried, and it didnt work. I was required to stand in another line, and when I finally got to the ticket agent, she looked up my reservation and told me my reservation had been cancelled. Not my flight, my reservation. I told her that was impossible and I showed her my e-ticket receipt sent by Capital One. The United ticket agent looked it up and said that Delta had transferred my reservation to American Eagle Airline. She directed me to run from Terminal One to Terminal Three to quickly check-in on my new American Eagle flight.

7. I ran to Terminal Three, dragging my heavy golf bag, hoping I would get there in time to catch the flight. I attempted to check-in online, but again got a message to see the ticket agent. I stood in a very long line for just under an hour, and finally asked the ticket agent to issue me a boarding pass. The ticket agent looked up my reservation and said American airlines did not have a reservation for me. He attempted to call both American and Delta airlines, but neither answered his calls. He suggested I return to United and make them put me on a flight. But he checked and the remaining United flights were all full. I was desperate at this point to get on a plane and get home, so I purchased a one-way ticket on American and arrived in Minneapolis at 9:30 p.m. on flight 609. I paid $260.70 for the flight.

8. Had I chosen to just purchase a flight for my Fathers Day trip, I could have booked a flight on Southwest for $158, roundtrip. As it stands, I am out 35,000 miles and $260.70.

9. I contacted Capital One service desk on Monday, June 22, 2010. I was put on hold twice for a total of 75 minutes. In the end, I was told Capital One would reimburse me 15,000 miles for my trouble.

This seems like an insufficient settlement and totally unacceptable to me. Please either refund my full 35,000 miles, or repay me the $260.70, or cancel my credit card. If you review my record, you will see that I am a loyal customer, I promptly pay my bills, I travel frequently, and expect far better treatment than I received from Capital One, Delta Airlines and United Airlines.

My husband and I started experiencing financial difficulty during the past year, but continued to pay on our auto loan with Capital One until we fell behind. We maintained contact with them after we received sweet and sappy offers of assistance on our telephone. Upon calling Capital One, we received rude, arrogant and obnoxious employees who would berate you and talk ugly to you as if you committed a crime. They were deceitful in their practices of luring you into calling them only to demand a payment or they were going to repossess my car. I asked them to wait two more days until my husband got paid and they said, "No" that they were going to come get the car, which was on our son's graduation day. I started crying and said, "what if we're not here", she said, "Too bad, we will go tell all your neighbors and look for the car." I started crying and hung up the phone.

They continued to call us more than a dozen times in one day; called my husband's employer, his cell phone, our neighbors, our family members, etc. They were threatening and harassing. I told them to stop calling him since he works on a crane in the river and makes heavy lifts and he cannot be distracted with the telephone ringing constantly. They did care. I was able to secure the payment for the month of May 2010 to prevent them from "stealing" our car on our son's graduation.

By June, 2010, I was told by Josh at Capital One again to post a payment on June 2, 2010 or they would reposses my car. I told him to wait two more days since my husband was getting paid on that Friday, June 4, 2010. He insisted that I make the payment through ACH debit and to hang up with him and call my bank and have them "suspend" the payment for two days. I agreed to do this and later found out from my bank that they could not suspend a payment that was posted to be taken out that day and apparently Josh used some harsh and deceptive collection efforts to get this payment without considering the consequeces to us as the consumer. I immediately cancelled the debit over the Capital One's website and posted 1/2 of the payment since they offered to accept bi-monthly payments. I also posted the balance of the payment to come on on June 15, 2010 as per their offer of assistance.

On June 12, 2010, I received a knock on my door with a tow truck and they came and picked up the car. Then, they sent a letter stating "they" cancelled the ACH debits, which is a lie. I went to my bank and they kept the money and took the car. They have harassed us, our family and lied to us, been deceitful and stolen our car. They are the worst bank in the United States of America. The people who work for Capital One are liars and engage in unfair and deceptive trade practices all the while luring the consumer into some trick to get money only to turn around and take their property. We only hade 15 months left on this loan and had every intention of paying it off. If we had known that Capital One was this type of bank, we would never have used them for anything. We hate Capital One and we compare them to British Petroleum. They are the Big Polluters of the banking industry! Shame on Capital One. We are now learning that they have been sued by the Attorney General in West Virginia for their unfair trade practices. We will never use them again. Hindsight is 20/20. Shame on Capital One. They are disgraceful!

I paid my credit card debt in full with Capital One in Feb. 2010. I spoke with one of their representatives on the phone, and got the exact payoff amount. I was very adamant that I wanted the account closed. My bank account was debited. However, every single month since then, I have continued to receive bills from them for various fees or charges on a closed account. Each month I have spent at least 15 minutes on the phone giving a different person the exact same information, only t0 be assured that it was mistake, that the account is closed, and paid that "I will not receive any bills in the future." I have asked repeatedly for them to send me a statement reflecting that the bill has been bill. The response is always the same--"this is not CO's policy, however you will not receive any bills in the future." Yet every month I do.

Most recently, I received a letter dated June 10 for a balance of $35.92. The letter actually states "because there has been no activity on your card, you may not have noticed a past due amount resulting from your Annual Membership Fee." Then it goes on to threaten closing the account--which originally was closed in Feb. and I have confirmend this every time I have called. I have repeatedly asked, "How do I have a membership fee on a closed account?" and each time there response is that it was a mistake and the fees will be adjusted. It is so frustrating.

I don't have the time (or patience!) to call each month and worse I'm concerned that this negatively affecting my credit,since the bills mention a "past due amount." I don't know if some people just give up and pay it. I would appreciate any help you can offer. I want the bills to stop and for the record to reflect that my card was paid and closed in Feb. 2010 and that there are no past due amounts owed. Thank you. Economically, I am concerned about the bogus bills negatively affecting my credit score.

I received an offer from capitol one in the mail. After much thinking, I finally applied for their card online. My card arrived several days later. It had a sticker on the front, saying I had to call and activate it. I called and answered a whole slew of questions the operator had. Upon asking if I would be interested in the credit card protection package for $.99 per $100 balance, I replied "yes".

She then asked me if I was employed. I told her I was self employed..her reply was , "oh"...then she proceeded with just several more questions. I decided I would go online and sign up for Capitol Ones online banking. Upon signing up, I learned that even though I had a $300 credit limit, I had no available credit. I called customer service to find out why.

Well, long story short, they had flagged my account for possible fraud! Because I told them I was self employed!!!!! They wanted me to send in a copy of my drivers license, bills in my name, last years income taxes and a bank statement for both checking and savings.For a $300 credit limit; I don't think so!!!!! Well, I checked my email just now, and I had an alert from Capitol One. They had charged my account $39.99 for the annual fee...On a credit card that I'm not even allowed to use. I called them immediately, and told them to cancel the card. She didn't ask me why, but I told her anyhow. She seemed to have cared less. Didn't say a work, just said she would cancel it, and report to the credit bureaus that the account had been closed within 30 days. She said the fee would be taken off of the card, and it would show a "0" balance. I have had credit cards for years, and have never been flagged for fraud. I am outraged! There are other companies out there besides Capitol One!

This time, I called to get off their list permanently or else file a complaint with the State Atty General and was told they could take 8 weeks. If they can steal my personal info and start mailing me in 2 days, then they can STOP in the same manner. These people need to be sued to make them stop invading computer information. Repeated credit checks affect credit scores. I want the best procedure to have them stopped immediately.

Of course they say I can opt out by closing my account. What a joke. I don't know what they need to research and suspect they are just stalling. I told them I was going to file a complaint because of the false advertising. So far I have only corresponded with the company through their website by email. My first email was dated 5/13/10 - they said they would get back to me within a few business days - that didn't happen but they emailed me again and said they would respond no later than

6/10/10 - that didn't happen either. I then emailed them on 6/13/10 and they appologized and said they were still researching the problem. They still did not request any further info from me. I think it is against the law for them to do this change based on the advertisement which led me to open the account in the first place.

Capitol has repeatedly called me about a loan they evidently made to one of my relatives. I have no knowledge of this loan and certainly gave no permissions to use me as a reference nor did I co-sign. I have told them this repeatedly but they still keep calling wanting me to give this person a message. I am not their collection agency. Definitely falls under sustained harassment.

capital one gave me a credit card at o%anual percent rate just to start account with them i paid them all that i owe them except for about $200.00 in 2006 i would had finish paying them but i got convicted and sentence for a crime that i never ever committed in my whole entire life of living and from that conviction and sentence it cause me to go into depression and now i have to go to mental health and plus take depression medicine because of this conviction and sentencing and yesterday morning i had two vistior to come to our home and it was the policemen capital one is taking me to court saying that i owe them $3446.31 but they will settle with me for $1798.68 when i don't owe them that much and they say that the annual percentage rate is 28.10% and the account number that they are charging this amount to me ain't even my account number.

I lost my job 2 years ago in july I was unable to keep up my payments after a while. I stopped chargeing on my card while it was below my credit limit...they added so many fees and pentalies that it put me over my credit limit which that charged more fees for I have been trying to pay but I can only afford 25.00 a month...they will take my 25.00 a month and my principal never goes down because of the fees they keep adding...I have already lost my home...my car is unuseable mechanical and can't afford to fix it...have no job and suffer from spinalstopinus...can't stand to long or walk to far. their hardship dept said they would waive some fees but my 25.00 a month would never get any of the principal reduced...I told them that if it would not reduce any principal...

I would keep my 25.00 a month and send it to another creditor ie doctors hospital etc...they plan to turn me over to collection co....well I don't have anything left to take except my social security and I don't think they can get that...if it turns out that they can somehow get my social security...I will fill for BK

i contacted capital one auto finance bank because my husband had been receiving phonecalls from them saying they hadnt received car payment which was due on the 6th and then after that you still have the 10 days grace period which are convenient because of our lower budget, so i mailed the money order on 6/8/10 and they said they hadnt received. so, this happened on mon 6/14 & 6/15 and i checked on tuesday to see if payment had been posted and nothing yet. when i called, i called the customer service # and spoke to some girl named nikkie in the INDIA she had a strange accent (which they all do, and Big companies like this hire them for their cheap labor) she told me the same, and they had already charged a late fee of $27.54 and asked her if she could waive it, which she did and asked for immediate payment which i did out of my personal acct i had saved online,

after payment went thru she said all records would be posted and everything would be fine for monday 6/21/10. so i called my sister, that works at my personal bank chase and asked to find out status of the money order i had prev. mailed and made to capital one bank and she said that, this check had already been cashed and posted to BANK of America, whom are partners or they have their business with. so, of course i was so upset, i called again, and spoke to a rude INDIAN girl whom i had trouble understanding, and she was not listening and demanded to speak to someone who speaks better english and just kept saying mam your account will be credited for monday, and just wait 5 business days, without realizing that payment had been received already and I had paid now twice. she kept giving the round, and i was so upset, she hung up on me.

so i called again, and spoke to another girl, and she corrected and apologized and was listening and i told her how could they have charged me a late fee if the check had already been cashed and it was not my fault that their business bank B of A bank hadnt communicated with them.. so i told her i wanted my money back and immediately cuz i dont have money to be putting out there. and of course not, my payments are of $552.42 every month so had to put +1,100 dollars in month. & I also asked if they could lower their apr which is at 21% and they told me that they dont refinance the same owned auto loan. i would have to do this with another bank. please help. im trying to sue them. i want to make justice and at least have them go out of business or govt to monitor them

I was charged with a $79 finance charge after paying of the balance before the due date. Since I also had a credit of $300 less the $79, I ask for the refund and was told 3 business days. Since I closed out the account now I'm told two business cycles.

I have experienced an issue with Capital processing payment on a timely manner. I pay all my bills on the 3rd of very month. Yesterday, I decided to check my account balance to make sure that all outstanding checks cleared. All but one, which one? Capital One. This was on the 17th, and my payment for Capital was due on the 18th.

So, I contacted Capital one at 2:00 a.m. CST, and spoke to a representative from India. I could hardly understand what she was saying. After spending a half an hour on the phone, I was issued a confirmation number. Later on that morning I decided to call for a follow up and to see if they would work with me on what the bank is going to charge for a Stop Payment. Would you believe that after calling the 1-800 #, the call continued to be routed overseas? Even after insisting that I wanted an American based agent, they tried to convince me that I was being forwarded to an American based Customer Service Rep. We Americans can tell the difference. Don't you just love when they use an American name, but sound foreign?

So the question here is, does Capital One hire American based C/S Representatives?

I have a very strong feeling that they will somehow make an excuse and charge me some type of fee and attempt to higher my interest rate. After all, they aren't making that much of an investment from me, being that my interest rate is 3.12%.

If this should that happen, a formal complaint will be submitted to Lisa Madigan, Illinois State Attorney General.

I had used my Capital One credit card and taken it close to the limit. I made my payment and like others the payment was not processed in time and I received a late fee. I was willing to accept the late fee, I felt like, well I should have gotten it in a day earlier. However, because of the late fee it put my account over the limit and I was charged an over the limit fee. This was not on one card but 3 cards that I had with them. I called and argued that the over the limit fee was from them charging me a late fee not from me taking my account over the limit they were unconcerned. They would not wavie the fee.

I asked to speak to supervisors and they would NEVER let me speak to anyone. They would take my name and number and no one would ever call back. I said I would make a payment but I did not want it to apply to the over the limit fee until I was able to talk to a supervisor and they would not comply. They said that the payment had to go towards the fees first then the balance. So out of fustration I refused to pay. Not a very smart idea.

Now my credit is completly ruined. The balances are now more than doubled the original amounts and I get calls every day. They are willing to settle for slightly more than the original amount owed in one full payment showing a settlement on my credit report which will do my credit no good. I feel like I am in a Catch 22. No way to win.

When I call them to find out what happened they tell me that they never agreed to waive the annual fee but only the late fee that they charged me on the annual fee. So now I have a 30 late report on a annual fee + late fee on an account that I have not used and paid off a year ago. I feel like they lied to me and tricked me into this terrible situation. I will never use this card again and I advise people to not get involved with this company. Of course I paid it immediately because they are not trust worthy. They have put a negative report on my credit report showing 30 days delinquent for not paying the annual fee plus a late charge on the annual fee a total of $74 dollars. This will be on my report for 7 years.

I have a capital one card with a 500 dollar limit since 2007. I paid on time until I got divorced and ended up making about 1/3 of the income I used to make with my ex. I explained this to them and I paid as often as I possibly could but circumstances were dire at the time. I am still (although 3 years later) struggling to get on my feet and still hoping I can eventually; meanwhile, Capital one is charging me over limit fees, late fees and service charges every month.

The balance is now 1700.00 and these people want it all at once. I have talked to them and they told me they would put me on a "hardship" which would eliminate these charges for 3 to 6 months. That NEVER happened. they turned my account over to a collection agency who said they would work with me but wanted me to pay 400 dollars at a time in 3 payments. There was no way I could possibly do that amount of money. I have paid them money in the mean time and yet the balance keeps going up! I dont know what to do... they wont accept payments of 50 dollars at a time, they wont stop the service charges and they get down right nasty with me on the phone explaining that none of this would have happened if I had just paid my bill on time. I would have paid my bill on time if I had the means to do so. I don't know what to do... I am at the end of my rope.

After having these Credit cards for several years 1 ML 1 Cap 1 and 4 chase cards I kept them just below the limit which was 15,000 on the ML and 12,000 on the Capital one, 900 on one chase, 350 and 250 on the other two chases. I decided that since they raised my interest rates from 9-12% to 29.99% I paid them off. Chase cancelled 3 of my cards, and left me with one with a 250 limit. In the case of ML, they decreased my limit to only 8,000 from 15,000 and Capital one business card from 12,000 to 8,000.

I have done research and found that credit card companies are penalizing those who live in areas of abundant foreclosures in other words, we who pay our debt are paying for those who don't. Another thing I found out was that Capital one was not giving out credit limit information until a class action law suit arouse. It seems they don't want us to qualify for credit. By decreasing my available credit they have lowered my dept ration which in return lowered my fico score and for what? Paying off my debt? There should be a law suit against this.

Capitol One states that based on my account history which has been late (never past 30 days) they have increased my interest rate to 29.4 %

My account has never be over 30 days late. They failed to send my a statement to my current address after I moved. they were contacted with the address change and the post office change of address was also completed

I contacted the company and requested that the interest rate be reduced that I never been over 30 days late and they said NO that my account has been late (within days) and they would not adjust the rate.

Lastly, the customer service department is located out of the United states and the customer service agents do not understand English very well.

Late payment charges for payments made but they posted strangely. High % , payment protection benefits. affected fica score in credit report.

I have had a Capital One credit card at 9.9% interest for many, many years. My local newspaper and Netflix were charged to the account on a monthly basis. I am also paying down a large balance on this card (the balance is below my credit limit). I have always paid more than the minimum balance and have not missed or been late with payments. In April I received a notice that my "promotional" rate would end and my new interest rate would go up to 17.9%. When the new rate finally showed up on this month's bill, I called Capital One to ask that they consider lowering it because based on the information on their website, I should at least qualify for the 14.9% rate. I was told that the rate could not be lowered and that there was nothing else they could do.

I am delinquent on a Capitol One account. Having recently made a payment, I was not aware this was referred to collections. On today's date I rec'vd a call from the above subject who informed me I had only one option and that was to make a payment by the end of June in the amount of $350. I told this gentleman I could only pay $100. by the end of June but could make arrangements to help settle this debt beginning in July. He placed me on hold for 10 mins. I hung up.

He called over 8 times in a row, not leaving a message. Then he called my husbands cell phone and left a threatening message (we still have it available if you need it). When my husband called him back to advise he has nothing to do with my finances and how Mr. D got his cell number, he told him it was a matter of public record (AT&T in fact, denies this). I called Mr. D to inform him that he needn't call my husband with my personal issues and he got very hostile and angry with me. He raised his voice and began to speak over me, speaking critcally to me and in an intimidating manner. I told him I was calling back to speak to his supervisor. I tried unsuccessfully 6 times to reach his supervisor to ask that someone less threatening and hostile take over my account. Each time I was sent BACK to Chris D despite asking NOT to be where he again, was angry and intimidating. 2 different times I was literally just hung up upon.

Any information or advice you can give me would be greatly appreciated.

To vent about my problems as much as to ask for help, I contacted my state's Attorney General's office, the federal Office of the Comptroller of the Currency & the Better Business Bureau regarding my dealings with Capitol One Bank (previous post). Capitol One responded to the OCC (with a copy to the BBB) complaint by promising to credit my account the "membership fee" they had charged after my account had been closed and the interest on that amount. The BBB asked if I accepted their offer, to which I had to respond "no". After numerous broken promises & some out-&-out lies, once I have documentation that the account has been closed with a zero balance * no charge-off, I'll consider the matter closed.

I applied for and received a Capitol One Visa card a few years ago and would like to share my experiences with them.

It didn't matter when you sent the payment you were always late.One month I sent in my payment 2 weeks early and it was still recorded as late. It was supposed to be a Platinum card, but only had a $750 line of credit.

I needed some equipment for a hobby of mine and over a period of about 2 weeks put about $600 on the card intending to pay in full when the bill came due. To my surprise they added a fee of over $150 dollars and said I'd exceeded my limit and charged me an over limit fee of $59.

I contacted them by phone and was told there was nothing they could do about it and I needed to pay the amount in full. I asked for and received the total and promptly paid them, though I was not too happy with the whole situation. A few days later I received a phone call saying my payment was late and I had to pay a $39 late fee, which I did.

I tried unsucessfully to get them to cancel the card. The time came when I needed some more stuff for my hobby and against my better judgement I resorted to their card. Once again the late fees and other assorted fees were tacked on and this time I refused to pay them. I paid what I owed them, but I wouldn't pay the excessive fees.

They continued adding fees and late charges after I destroyed the card and stopped using it.

On Friday 11 June 2010 I was served with a civil summons by a county sheriffs deputy saying I was being sued by Capitol One Bank USA for $1587.45 plus $238.11 for court costs and attorney fees. I have 20 days to respond or they could find judgement against me by default.

My wifes credit card payment is due, and they continually clal our house asking to set up a payment, despite us telling them we will pay it next week! Yesterday they caleld 7 times, including within 5 minutes of me telling them my wife was not home and being told they could not discuss the account with me. This morning they have already claled at 8:05 a.m. They repeatedly call all hours of the day and have claled as late as 10:15 at night. They call both of us at our work despite us telling them to stop. Isn't this harassament?

I'm being Sued! I had tried to work with them. I have been overcharged with overlimits, late payments, the works just like all of you. Well I decided to print all 344 pages of your complaints to take with me to court. I don't know if it will matter to the judge but at least I have proof That this is regular day to day operations with capital one. I am not the only one they have taken advantage of. Thank you All for helping my defense. I'll let you know how it goes.

Thereafter, the charges were re-populated and I was once again charged for the disputed charges along with the new charges I placed on the account. The representative claimed I was suppose to fill out a Fraud dispute form, so the charges were recredited. This action put the account over the limit. I have spoken with several Representatives to resolve this issue, to no avail. I was sent a dispute form to document the charges I disputed. It apparently was not honored, because nothing was done.

After several weeks I contacted capitalone and was told until the info is verified I should continue to make my regular payments. Its been several months since then and it does not seem like anything will manisfest. My financial situtation would not allow me to make the kind of payment I would like, to rid myself of this issue. At this point, I was once again informed that my account status prevents them from assisting me in this matter. However, the problem was created by Capitalone, when they removed the charges and re-applied the charges and did not honor their own resolution for an issue like this.

So, after a month of not paying them I called again and the woman I talked to said they could help me if I just pay the amount due that month. I paid them then called and again was treated like a circus flea. My Capital One payment due grows a lot every month. I told them that if they didn't treat me with some respect and work something out with the payments (I played the "you pay and I'll be helpful game several times) I wouldn't pay them at all. As a result my balance on the Capital One card keeps growing. I know that is not the best economic result, but I still sting from the rude treatment.

I was denied credit. I have excellent credit...never late..solid job and income...my score with expeian..the reporting company capital one claims had info regarding insufficient paydown of my mortgage...excuse me....I have a 762 score with Experian. I pay my mortgage every month. I am aggrivated that Capital One is not more clear on their conditions. I have waisted a credit hit and now I cannot apply to nay one else for fear of it hurting my credit score. I am obsessed about a good score and work diligently to maintain it. Shame on you Capital One...Shame on you!

Unlike many of the other stories here, I never defaulted on my credit card payments to Capital One. After many credit mistakes in my early 20's, I worked very hard for the past 5+ years in paying my debt off/down and making payments on time. I am one of the fortunate who have not lost their job or had an "economic downturn" in my life and even recently purchased my first home last year. After being a customer with Capital One for 2 years, I received a slap to the face when I saw they raised my variable APR from 8.9% to 18.9% for NO REASON.

When I called to question the increase, I was told because of the "current economic conditions" they raised their APR on many customers. I was told not to take it personal (ya know, cuz it wasn't just me they screwed over) and they had actually sent a letter over a year ago advising me of the change. Really? I'm supposed to remember ONE letter you sent me over a year ago telling me you were going to raise my APR for no reason? Oh wait, there is a reason. Because of the recent government regulations on credit cards regarding fees, they have to make up their money somehow, right? Well, this is how Capital One is handling it.

I was finally able to get through to a supervisor at Capital One who agreed to decrease my APR down to 10.9%, still 2 points higher than it was previously, but better than the 18.9% they tried to screw me over with. Of course, this rate is only good for 6 months and after that it will go back up. This is the reward or thanks I get for being a responsible consumer? For making my payments on time and taking my credit seriously?

Shame on you Capital One for screwing over a good customer. I will be transferring my balance to another company as soon as possible. After reading all of the fine print of course and making sure my APR won't be double digits after the introductory 0% balance transfer deals they give you for the first year. Increased payments after the interest rate more than doubled.

i had capital pymt protection and i activated it and basically it did nothing for me. i still incurred a ton of fees while on the program. i used it for a year and was told at that time i had used up all my benefits even though i had been paying for protection for 4 years before even needing to use it and even though i am still unemployed. i understand a class action lawsuit for filed in january 2010 and i was wondering how do i join the lawsuit

I filed a complaint against Capital One with the BBB of Richmond Virginia. This company marked my account as delinquent, sent it to their collections department, I was harassed with phone calls, one person threatened to send my bill to a collection agency and ruin my credit. My bill due date WILL BE June 6, 2010. I was one payment late because I did not receive my May statement.

The settlement agreement laid out by Capital One is as follows, " The calls you received were intended only for the purposes of discussing a payment arrangement and are not meant to be harassing in any way. We regret that you are dissatisfied with the service you have received; however, you may be assured that Capital One and any company retained to collect the debt on our behalf must adhere to all applicable rules and regulations when contacting a customer about an account that is delinquent or overlimit.

We have removed your telephone number from our call lists regarding the collection of this debt. We will continue to send monthly statements and any other written correspondence, as we are required under current regulations. If your account becomes overlimit or delinquent after being brought current, it is possible that you may be contacted again.

As a gesture of customer goodwill, we have issued credit for the $39.00 Past Due Fee assessed on May 6, 2010. This credit will appear on the June 2010 billing statement. Please be advised that a Past Due Fee is assessed in accordance with the Customer Agreement if the minimum payment is not received by the due date.

Additionally, if an account exceeds 30 days past due, the delinquency is sent to the credit reporting agencies. As of May 28, 2010, the account is 19 days past due. To prevent this current delinquency from reaching 30 days past due, a payment of at least $7.49 must be received prior to June 9, 2010. However, to avoid an additional Past Due Fee, the entire minimum payment of $88.49 needs to be received no later than June 6, 2010.

I appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at 1-804-968-3387.

Sincerely,

Capital One Bank (USA), N.A."

I paid over my minimum balance due on 6/2/10 but when I call this PM, 6/2/10, my account is still in the collections department and they will not let me speak to customer service. The person I spoke to went to get the floor supervisor, and I've been on hold ever since. Over 30 minutes.

This company's practice is appalling. Please let me know if anyone is starting a class action suit here in Oregon like the one in Mass. This type of practice can not go on!!

capitol One raised my interest rate from 5.90% to 15.90% for no apparent reason what so ever. I called to complain about this. They stated the Government changed the way that they could charge interest rates. This is ridiculus in a time when our economy is so bad. My finanace charges for a month went from $54.00 to $172.00 a month. They can stick their charge card where the sun doesn't shine.

Sirs, I'm on SSD. Under Federal law only the Government can take my income. I owe Capitol one cash. I refuse to pay it under the laws given to me. Now they are harrassing my ex-wife. They just sent her a lie saying she applied for a capitol one card and stated all the reasons she was refused by all 4 credit ratring companies. She did not apply for any card .. It's just reliation against me for refusing to pay and they can do nothing. This is the third time they have done this. She was not on any card I've ever had. The debts are solely mine. Its just harassment by them.

In February 2010 I spoke with Scott who stated he was my Account Manager and after speaking to several other Capital One representatives harassing me for my payments on my truck due to the fact i was behind because of a separation and illness. Scott said he would be able to help me catch up again. He seemed very kind and I thanked him. Scott set up 3 scheduled payments of $556.87 with a $35.00 fee for an extension which will extend my maturity date to 05/19/2014. There would be two payments made in February and one payment in March. The $35.00 Fee was agreed to be drafted with the second payment in February.

Apparently, CAPITAL ONE failed on their part to draft the $35.00 from my account therefore quickly started phone calls to my residence stating that I failed to make the payment so I defaulted on the agreement and demanded the total amount in full. No questions asked even after paying the 3 scheduled payments. Upon trying to Work with CAPITAL ONE and trying to get them to see that it was their error by asking them to read their notes or find SCOTT the Account Manager who made the arrangement to no avail. Just about every representative at Capital One that I have had the pleasure of speaking with has no IPC skills. Very poor customer service. Just money hungry individuals and it's not even for them.

End Result: CAPITAL ONE was not happy enough to tell me "a SINGLE mother who was trying to work with them" that they could help me by offering me an extension so they could get (3) payments then came after me to tell me i defaulted in the agreement so now they want all the money. I didn't have all the money so Capital One took my vehicle from me and my children after I did my part. They lied. Me and my children were left without a vehicle since 05/21/10. My friend and I had to use our rent money and we had to sell some personal property to come up with some of the money to get the truck back.

We still don't know the amount of charges for the storage fees but we will find out tomorrow. Thanks to my friend dropping my daughter off and picking her up from work as well as others she would have lost her job. I Nor my friend have the money to pay our rent this month 06/01/10. We will eventually pay it however, it will be late. But hopefully in time we will all be caught up and i can work my way clear away from CAPITAL ONE.

In my May statement from Capital one, I found that they had raised my intrest rate form8.9% to 17.9 %, when I called and asked why I did not receive notice of the change, I was told that they sent out notices last year in Feb through May and thay was all they had to do. I complained that this more than doubled my debt to capital one and I had not recevied such notification addressed to me. The said that was my problem the met the requirements of the law by senting them and since I cannot porve that I did not receive the notice I was out of luck, I quess if I claim I sent a payment and they did not receive it, it would be their problem not mine. Capital one Bank is just one of the compaines that need more control over the way they mistreat individuals. I hope some type of action be taken.

Extremely misleading and fraudulently bad business practice. They should be held accountable for what they are doing.

Capital One is the worst credit card company, bad service, they used their customer, they lie to them, they overcharge you, and you don't know about it. People save your time, and never ever think to open a Capital One credit card. Its really a very bad choice.

I used my capital one credit card twice total was $9.51 and it was suspended they asked for information to be faxed in or mailed in. The information was faxed in the next day. A couple of days after information was faxed in i call to see what was going on with my credit card and was informed that it was cancelled because they said the information was not clearly faxed why couldnt i have sent it back instead of cancelled. I have to pay thirty nine dollar yearly fee and only had the chance to use $9.51

I have been receiving missed call messages on my phone, a couple of times a day from number 805-964-0386 and 714-374-8035 on May 25 and 26. I was finally able to answer one of the calls. It was the Collections Dept for Capital One demanding immediate minimal payment on my card. The payment due date is June 6, 2010. They threatened to send it to a collection agency and ruin my credit report if I did not pay the $88 and change, today! They said it was because I have been delinquent in payment.

I had no balance in March 2010. In April, I had a balance of $7.49 for which I never received an E statement. In May 2010 I received a statement for $2,232.96, including a late fee of $39.00 (for missed payment of $7.49). I had to put my Dental surgery on the card on 4/29 for $1,408.35, 4/30 for $750.00, 5/3for $50.00. These charges are applied to the June bill seen on the May statement. But now, I am being hunted down by bounty hunters to pay this early.

I had seen on your web site that there are NUMEROUS complaints against Capital One similar to mine. AND furthermore, my complaint extends to...over the last 1-1.5 yrs during which time, I have been charged late payments. I thought I was going crazy that I hadn't seen or paid them. But as like the other complainants, either my payment was purposely held up to be late or I never received the E-statement.

I find this practice of demanding and threatening to ruin someone's good credit because they did not receive a statement for $7.49 therefore did not pay it, being charged a $39.00 late fee (for $7.49) disgusting. I think their practices should be further looked into!!!

I wish to file a complaint and would like to know where else I can voice this complaint so that something can be done about their mal-practice.

I use the online service to pay my Capital One credit card bill and I just noticed that after having my credit card for 5 years, they increased my interest rate from what used to be 10.40% to 17.9% in April 2010 and they stated it was because my promotional rate expired. I am fortunate that I paid off my account balance in Match of this year so the extra interest rate they charged wasn't too significant, but I have asked them to lower it since I have always been faithful and never had a low payment, in which they rejected my request. I don't understand how they can label this as a "promotional rate expiring" when I have had the credit card for 5 years with the same interest rate. If anything you would think they would lower it since I have been a good customer. I am going to cancel my card immediately, as their lack of customer service and response to this issue. I feel bad for people who are in my predicament that has a high balance on their card and lack of funds to pay off their account and to have their interest rate almost doubled like this! Such robbery!

In 2008 I put my daughters name on my checking account in case something happened to me. She was off work for almost a year, and was contacted by wonderful Capital One. They wanted her bank account number so they could get their payment. No way were they getting that. Anyway, I paid the $1000 they were asking for. Of course they assured her that the fees would be waived. They were not. Now Capital One has put a hold on MY checking account until her balance is settled. I have to hire an attorney to try and resolve this illegal practice. I tried to explain to them that her name was for emergency only, and I have cancelled checks showing my signature only. I will never deal with Capital One again. What's in your wallet? Agravation and frustration and lies.

I was out of work due to surgery and contacted Capital One after surgery, they informed me once I get back to work they will put me on a hardship program. I was off work from July 09 -Feb 10. Once I returned to work I contacted Capital One, I was put on a hardship program paying $35.00 on each account. The next month I got an e-mail alert telling me to log onto Capital One website for payment solutions, I logged onto the site to find out they are asking $86.00 on one account and $68.00 on another. I have written 4 letters to Richard F and faxed him 4 letters and no response. Capital one as added over $500.oo on over the limit on late fees on one card and $800.00 on another card. I even sent a letter to the message center on their website, explaining my situation, nothing they can do to contact Capital One.

i donot know where the e-mails i have sent to capital one nor do i know the name of the person who e-maild me back. but my problem is i have contacted them to lower my interest rate which they refused to do. i am paying more than the mimume payment, but add aound 70-75 dollars, they said i have paid $335.37 thus far since the beginning of this year. at this rate, i'll never be able to pay the $4489 i owe them. why can't the legal system do anything to stop credit card companies from doing this. i think they don't wont you to get out of debt so they can make money on you. thanks. just so happens i am still employed wher i can pay, but what i have read on other complaints, capital one does't have any way they wont to help. thats a crying shame the way they treat people. they must be trained to be dishonest and rip people off.

so I told them to cancel it and the woman started telling me about the benifits and I stoped and said CANCEL or I go the my Attorney General. she promply canceled it but since I had this card "2002" the interest rate has gone from 9.2 to 29.00. I can't wait to win the lottery. Until then I will tell my story to my local paper anjd I'll send a letter to the ILL Attorney General and my congressman. I can't even cancel this card until I pay it off. If you have this card CUT IT UP.

Problems, concerns and questions. Very extensive, since Jan. 1, 2010. Too much info to email. would like to send complete package of infor. Can you provide mailing address?

I am permanently disabled and receiving long term disability through prudential since 2008. never missed a payment with capitol one until I became ill that same year in may 2008. I had credit card protection since I opened the account. I thought it was activated as I requested but it never was. said they never got the paperwork. The bill has now inflated from $369.07 to over $1300 plus court and other fees. I have not been able to do much of anything until recent months.

I did contact their attorneys in January of this year to work out payment but they chose to sue me. we went before the judge on 4/21/10 and I told the judge everything and I felt basically ignored. she didn't even know what credit card protection was. (people, who don't intend to pay their bills don't have credit card protection) their attorney said the card protection was from an independant company when on every bill it says: card protection provided by capitol one. I don't have a copy of the form requesting the activation because I was very sick and, I never thought I would need protection against them. I did everything they asked me to do and until recently, I could not think of anything but getting well. I trusted them to do what I paid them to do, protect me. they did not.

I have a new court date of 6/2/10. understand, that I admit this is my bill but I don't feel I should have to pay 10 times that amount because they can't find my paperwork. on 5/19/10 I contacted their attorneys again to reach some kind of reasonable settlement.instead of trying to settle the account even knowing that my permanent disability makes this case judgment proof they refused. they intended to pirate my bank account knowing full well that I receive disability checks as my only source of income. also, until last week, they continued to call and harrass me even after I wrote them a letter demanding they stop calling me and only contact me by mail.

I am very angry and frustated to the point that it is seriously affecting my health.they wont let me use the credit protection I paid for yet they continue to charge me for it. also,charging intrest upon intrest and it is my understanding they will continue to do so until infinity. though the account is a write off. they make it impossible to pay it off

I had called to cancel my payment protection plan because it was costing to much money and not benefit to me. I felt I was bullied into keeping the plan. The person I spoke to was rude. I tried to file a claim because my husband is now out of work, I was told he is not authorized user on the account. No one told me he needed to be an authorized user to be able to make a claim if he is not working. I am currently being charged 26.00 per month for this "protection" and no one will help me when I need the help.

Capital One raised my interest rate from 5.99% to 15.09 without EVER notifying me. I attempted to resolve this issue today 5/18/10 at 2:31pm and was transferred 3 times. I finally ended up with Cherise #ABZ389, who told me that she will not forward me to her manager because her manager does not take calls. Everyone at the company is telling me that I just need to accept the new terms as no one at the company can do anything for me. This MUST be illegal! I did not default on my payments, I've been a loyal customer for years, and my reward is tripling my interest rate. Please help me resolve this issue. All I need is my interest rate reduced for 1 year so I can pay my balance off but no one will listen to me at Capital One.

Capital One is raising rates now in 2010 after the new law is in effect and basing it on the fact that they sent out a supposed letter way before they new law went into effect. They say the letter was sent out in 2009. I cannot see how they can raise a rate on a PRIOR BALANCE under the new law this late into 2010 after the law is in effect. The supposed letter they sent should be null and void by the new law. Seems they are trying to create their own personal little loophole. And they are apparently doing it to a lot of people as I see in forums. Looks like they are doing it a lot to people just after they transfer a balance to capital one at a low rate offer sent in the mail. If you accept the offer the transfer will be at a low rate but your prior balance interest rate will go up. Which makes the transfer rate of no use.

I went to buy a vehicle and my loan was denied because on my credit report was from Captial One that I filed bankrupcy and my account was closed. I never filed bankrupcy. When called Captial One I was transfered 10 times to a different person until I finally got angry and yelled that I wanted an explanation why this was on my credit report. I finally got an answer that when they recieved the list of banckrupcy the wrong social security number on it and it came up my social security number!! I explained I never filed bankrupcy and I needed this to b taken off my credit report and to be cleared up. After 2 weeks of calling Captial one and being transfered they just kept telling me it was being taken care of and I would recieve a letter stating it was a mistake and my account would be renewed. It has been 6 weeks and I have got no where with these people. Its still on my credit report and I havent recieved anything from them or heard from them.

I fell victim to a fraud/scam using my capitol one card in the amount of over $15,000.00. Part of the scam was to have me sign paperwork authorizing the 15K payment. The companies that did this, where shut down by the attorney general of AZ in April of this year, property and cash where confiscated, and perpetrators jailed. (Ref:Bankcard Empire/Leslie M.) This was a verified scam operation. Capitol One would not help recover the monies as they have a different definition of Fraud than what the Card Association uses: "Any situation to where a cardmember has made a purchase due to information which was intentionally misleading or deceptive".

Cap One says that since I agreed to the withdrawal by these scam artists, there was no fraud committed. I never recieved any services or money from MRS, and the advertisiing compaign I paid for that these companies suppossedly ran was never done, and the company was shutdown before the campaign could be finished if done anyway. The form I signed, agreeing to the withdrawel of the money, was obviously part of the scam operation, and not legitimate, but Cap One is still holding me responsible for the amount, instead of going after these crooks. CapOne has created a huge "loophole" in the system for scam artists to operate as in what has happened in this case.

If Cap One follows the Card Association rules and regs, then they are in violation of what the Association defines fraud as. This is definitely a fraud claim that Cap One is trying to shirk even though they have the resources and proof I can supply to do so.

Capitol One Charged me late fee's and over limit fee's for over 2 years before I even knew I owed them money still, and at that time I was contacted by a collection company for repayment.

My husband builds Power Plants and we move every few years. When we moved from Iowa, as usual I forwarded all of our mail thru the post office. At our new location in Minnesota we received all of our mail, atleast I thought we did. After being at that location for just one year we had to go to the next job location in Missouri. So again we moved to the new state and as usual I forwarded all of our mail thru the post office. And again received all of our mail as usual.

After being in Missouri for over a year I received a letter from a collection company stating I owe them over $1,100. for the Capitol One account that I believed was paid off years before.

I don't know what to do and I do not think it is fair that they can charge me so much money for something I feel I paid off in full and after 2 years of not hearing from them I get a letter in the mail stating I owe them over $1,100.

Now a new collection company just purchased this from the last company that I guess owned it tryed to get me to agree to a settlement of $695. and then to pay it off over the next 7 months of $100. a month until paid off. I said, "no" I do not owe that money so I am there for not paying anything. The rep. then threated to sue me. I just asked them for their fax number and told them I am going to send them a letter regarding this account. I am going to send them a letter...I found there are Debt sample letters that can be used and there are many to choose from.

Is this legal? Can a credit card company charge a consumer with out their knowledge for so many months and years?

What to do?

I called again and was told the charge would be removed. It was not, and this month I was told the "grace" period, whatever that is, on purchases had expired with the use of the access check. Even though there were no purchases on this month's bill, I received another interest charge. I guess this is just another credit card scam. Evidently, the fees they received from merchants for my charges each month was not enough. I spent two hours on the phone at three different times trying to resolve this problem. I was also billed interest charges of almost $200.

I paid my car loan off April 2, 2010. Today is May 15, 2010. I have yet to receive my title. I need to sell my car and can't. I lost buyers twice because I can't deliver the title. Ironically, while they are permitted to cause financial harm, fees piling up, and report credit delinquencies, or even take away cars that have not been paid on time. I have no recourse available to me immediately. loss of $ 4500, because I was unable to sell the car, due to the missing title sign off.

Number Two: Capital One withdrew money from my checking account two months after I submitted their form to cancel my Capital One Auto Pay Services.

I am writiting this after dealing with capital management services regarding my Capital one account. I faxed information to payment investigation dept. On March 6, 2009 my father wrote a check to Capital One for the amount of $1259.46, which was to pay off this account. At NO TIME have I received a letter or statement or phone call. The fax that was sent included the information that I was able to get from my father's bank. The check was written on March 6, 2009 and cashed on March 10, 2009. The bank gave us the ACH sequence #, serial #130 (which is the check number). The check was drawn on Third Federal Bank/Brookpark branch.

As [they] obviously have my phone number and address, I fail to understand why I have not been contacted by [them] either now or in the past. Now I and my wife have to endure to the rude phone calls for collection agent. I want to know what is going on. After the payment investigation dept. received my fax, it would have been nice to have been contacted about the results. My wife talked to someone named James who gave her the fax number on March 26,2010. I don't know why we have to treated in this manner.

Both my wife and I received offers for credit cards in the mail. If this is the way [Capital One] treat customers we want no part of company and will tell our friends and family not to deal with [them].

Please I need an inteligent response. On April 9,2010, I reported Fraud, as a Hotel Charge from Holiday Inn, Laurel Md.for stay 3/21 for $99.90. In discussion with Capital One it was agreed that I deduct this charge from payment due 4/22, which I did. Some week, or 10 days later I rec,d a letter advising that your investegation proved it a valid charge & that you considered the matter closed. I immediately called when I explained to your nice person Nicole, Who listened to my story & then transferred me to India. The person there was npot at all helpful & wanted to again transfer me to someone else.

Every time we get transferred we have to repeat the whole story from scratch, it is exhausting . I explained the first person I spoke to on April 9, that as I reported a Fraud they would cancel my card & send me a new one. After not receiving a new card i called again & again spoke to India Fraud. Some while later I rec'd a Express Mail with a new card, new in color only as my credit card numbers were unchanged from the card I was instructed to destroy.

Thr last time I was at Holiday Inn Laurel was arrive 6/21/09, depart 6/22/09, the purpose was to visit our wounded soldiers at Bethesda. & Walter Reed, as part of the Ct. Operation Gift Card Program. When you sent me notice that you considered the subject closed , you sent along copies of a hotel bill that did NOT, include my Name, or Signature. This charge has again appeared on my latest statement, which I will again deduct. And I will not use the "New" credit card with old number. My concern which I shared with some U.S. people as well as your India folks is that someone at the Hotel may have kept a copy o, not my June 09 trip, as I paid with a master Card, but a trip I made back in 08 for the same good purp[ose when I used my Capital One Card.

The call center in the Philipeans is rather unhelpful. After 5 minutes of her unwillingness to help I was transfered twice more until landing on Emilia who magically could look up the account using the above stated information. She then tells me that the account was reported fradulent in 2008. The letter was a 'computer glitch' and that I was all set. I asked for proof of this via physical conformation in a letter and she refused to help me. Ended the call. Potential identy theft and fradulent business practices by Capital One.

In February, 2010, I spoke with a customer service(c.s.r.) representative regarding paying off my past due account. I explained to the c.s.r. that I wanted to settle on a fair pay out and close the account. The c.s.r. explained to me that if I paided the account down to zero, Capital One would re-open my account and I would be able to start using it again. I asked what was the settled pay out to that date, and I was told $1200.00. The amount owed was approximately $1,800.00. It was agreed by Capital One c.s.r. that I would pay off the entire amount and have the account re-opened. Today I spoke with 2 Extremely RUDE c.s.r.s' who told me that the card would not be re-activated and I would have to pay out the entire amount. I am Extremely Disheartened with Capital One and feel that I have no other alternative but to Fight this unethical treatment to me as a consumer. I will be filing a complaint to the Consumer Affairs outlining this Scam perpetrated by Capital One Customer Service Representive(s).

My son was born on 9/3/2009 in which my girl friend was not able to work for at least 6 weeks. She did not receive any benefits while out on medical leave. It fell upon my shoulders to pay the bills with just what I make a month. I let my Capital One bill fall behind about 2 months. I called them when I was able to make a payment, in which my minimum payment was up to about $160. I told them that I had $90 I could afford to give them and would I be able to do an automatic debit out of my checking account for about $30 a month in hopes of clearing up the debt I had with them. They told me no and that maybe the financial hardship department could help me. They told me that they would forward the information to them and I should be contacted in about 7-10 business days. I waited. Nothing.

Called back, explained the situation, and my minimum payment due was now over $200, I explained it all to them (I still had the $90 that I had held onto in order to pay them) asked the rep if I could just pay that and then wait again for financial hardship? I was told no to wait for financial hardship and maybe they could work something out. Again waited. Nothing. Got a letter in the mail from Capital One claiming I need to call MRS Associates to see what can be done. I do so and find out that they are not a financial hardship firm, they are a collection agency. These people treated me as if I was some kind of criminal talking to me in very rude fashions and constantly hanging up on me if I so much as begin to stress my voice at all. Spoke to a supervisor within MRS Associates and was told that Capital One will not speak with me at all and that he was the be all end all of my financial problems.

Finally called Capital One Corporate HQ and got put through to some account manager in which she attempted to help and would forward the information of my complaint, but that I would not be contacted by anyone from corporate since they are not in the business of contacting others. Capital One is a sham of a company and I hope that I live long enough to see them fall. Anyone thinking about getting a card through them PLEASE DON'T they will bully you into high interest rates, horrible overage charges, then smile and tell you that they will help and ***** *** over.

Eighteen months ago, she was diagnosed with Kidney cancer and given 6-18 months to live. Except when she took an eight week leave of absence from work to have a kidney removed - she continued working until January of 2010 when she was in the hospital for pneumonia, ketoacidosis and a multitude of other issues. The retail store she worked for couldnt hold her position for the 6 weeks she would be out and she wasnt eligible for another medical leave (1 per year is their policy). So her income was cut to an $800 per month Social Security benefit. In the meantime, her expenses increased with additional medications and copayments trying to deal with her illness.

At my recommendation, she had contacted Capital One back in August of 2009 and told them she was terminally ill and having problems paying the bill. They were easy to deal with and told her to pay what she could, when she could. Five months later, she started getting calls from the recovery department she was in the hospital and in ICU when the calls started so I called them and explained what was going on medically and financially. The recovery department warned me that if the account was written off it would be derogatory on my moms credit and I told them that it was fine do what they needed to do to her credit but write the account off and please stop calling her. She had no money, she had no job and her income didnt cover her living expenses and medical treatments. All is good, theyll do that and not call again

Until last month no one called. April of 2010 she started getting calls again from Capital One now calling themselves 1st Source Advantage and acting like a collection agency. She referred them to me. Now my moms condition at this point is grave. Her hospice nurse is telling me that its days/weeks not months and that she could go to sleep and not wake up. She doesnt need this crap over a lousy 2k bill that was written off months ago.

So I called 1st Source/Capital One this past weekend. Spoke to a woman who was at best vile. I tried to explain the situation told her my mom was dying of cancer and that Capital One had agreed to write off the bill. She replied My brother is 21 and has cancer but he pays his bills. I think a 21 year old with cancer is far worse than your mother and she is a deadbeat. I about fell out of my chair I should have stopped there and hung up or asked for a supervisor but I was too shocked that someone would actually say this to me. I told her my mother would not be paying this bill and to please contact the recovery department at Capital One for more information. She replied My Client will get their money. Does she have a life insurance policy? If so, you had best make other arrangements because we will take it.

Ive since called back and spoken to several supervisors who claim they will take care of this woman and her attitude. I certainly hope they do its unbelievable to me that with so many people out of work in this country that Capital One would allow someone with this sort of attitude to represent them.

First let me say that I have had my Capital One card for 15-years. The only credit card that I have kept until now (My interest rate was fixed at 10.9% most of this time and when I paid it off it went down to 0.9%.) My husband and I built a new house and our Builder stole a lot of the Construction money. Needless to say, we had lots of paperwork involved with the house and legal battles. We had to use our Capital One credit card to help with expenses. And, in paying my normal monthly bill to Capital One I asked them to apply an over-payment towards three months of payments. They did not do this and consequently raised my interest rate to 29.9%.

I called over and over to discuss but they would not lower my interest rate. Finally, one account supervisor said that they would lower the APR and I would received confirmation by mail. I never received that mailing. Of course, Capital One denies making that statement. Just recently, I settled with Capital One verbally (for the full amount minus the interest accrued at 29.9% and an R5 rating.) The agreement was to have my money to them by April 8th or my account would charge-off with an R9 rating.

So I sent the payment ($11,267.00) on April 5th via UPS overnight delivery on the 6th with signature required. It went to their Corporate Office. Capital One said that they did not get it until April 12th. I sent proof of delivery. They came back with a letter stating that it was not sent to the proper department so they would not honor the agreement. They have reported an R9 rating to the credit bureaus. I sent E-mails to the CEO keeping him in the loop as it was impossible to get in touch with the contact person assigned to my case. And, the receptionist could not provide me with information on this person as I was told he was not on their personnel list. I called again at another time and got the same response. Capital One does not want to help people and it starts at the top. Employees would not lie unless they knew it was acceptable by their Company. I encourage people to report problems in dealing with this company. They need to be held accountable.

I ve been around and around with Capital One myself. But let me tell you what I did. I have 2 capital one accounts only one of which was covered through their payment protection program. Anyway, i was late and went over my 5500 limit and you wouldnt believe the charges. Balance ended up at 6400. One day I get a call and guess who it was cap one. He proceded to tell me that they were going to lower the limit and blah blah. So i told him, you listen here, I wont pay another penney on this card if you dont refund all of these charges. I then said, I really dont care and you re not going to beat me while Im down! (there was more said but you get the point) Well it worked and buy the time I was done my balance was 5450 interest rate went from 15% to 11%. and I continued making my regular monthly payments. So the point is get tough with them trust me they will be eating out the palm of your hand.

In May of 09 I recieved my statement and my interest rate was raised without my knowledge from 10.9% to 17.9%. I called and because I was never late and always paid more than the minimum they lowered back to 10.9% Then my april 2010 statement came and they raised it again to 17.9 without notice, I READ EVERYTHING from any credit card co. and I never recieved a notice, or an opt out notice. I called capital one and got the royal run around being transfered over and over without any help. I asked for a supervisor and she told me.

get this...that they sent me a letter to notify me of the rate increase 11 months ago in may of 09, I said no I WAS the one who called you in may 09 to complain about the increase then, which they lowered, I thought the NEW laws stated they could only raise rates on future purchases not previous balances? I have everyones name I spoke to with their ID#s and copies of letters I've sent. I recieved one back from them stating absolutely nothing about my complaint.

Now my interest rate is at 17.9% and my min payment is $160 is this legal to raise the rate on old balances and without notice? I also requested this so called letter they supposedly sent me 11 months ago and the "supervisor" told me she couldnt send it to me. Prob. cause it doesnt exist. unable to pay even the minimum amount.

I pay my balance in full every month. I do most transactions on-line. In October 2008, I was unable to get on their website to pay due to technical problems the website was having. When I did get on, I payed in full as always. I was penalized for this. In November 2008, I was charged $1055.75 by Magic Carpet Transporters. They never did any services for me. Capital One was to credit me on 12/31/2008. They did in January 2009, I was also sent forms to complete and I faxed them back on 1/25/2009. Magic Carpet never denied owing me the monies yet Capital One recharged my account.

While reviewing past statements, I wrote Capital One a letter a long with hard copies of the forms I faxed back to them asking WHY??? I sent this in September 2009 and got NO RESPONSE from Capital One.

This company has no compassion let alone adherence to the law. My Father had a credit card and has since passed away. In order to help him I had to buy his food, and other supplies as he was incapacitated and was very shaky. He found it difficult to sign his name. Unbeknown to me I signed an Undisclosed Adhesion Contract as a second signing authority so that I could keep him alive. At that time there was no need for a power of attorney as he was fully capable of making decisions. He was just not able to sign or drive so that I had to do everything in those matters. I am now responsible for paying for the debt. It is like paying for a dead man. I am on a fixed income am a Sr.)and I thought that debts were discharged upon a persons debt. This is not so according to Capital One.

I tried to explain the situation to Capital One but there is no compassion there. I suppose that they wanted me to let the man go without meds or starve to death. They put the matter into collection with a law firm and all they wanted to do was to threaten me. I have copies of the threatening letters. Since I told them that I would seek some type of remedy to the situation, Capital One has instructed the Law Firm to go ahead and collect the full amount. So, the lawyers as instructed by Capital One have put a lien on my property even though I have asked repeatedly to come to a meeting of the minds, so that I would have food on the table and try to pay this debt as best I can. I do pay my debts. I am not a dishonest person.

I still think that they are unfair, but I am willing to negotiate. I do wish remedy. Interesting sidelight......Another credit card that my Dad had was discharged even though I had signing ability on that one too. Is this some type of policy that this company has? No caring or compassion? I am going to send them some money and it is all I have, to start to pay them back. I am trying to stay in honor. I noticed that Mr. Richard F the CEO of the company made One Of The Best CEO's Of The Year and Business Leader Of The Year. I would like to ask Mr. F if he were in my position what would he do? Would he let his Father die? I am so stressed over this that I had a heart attack. I do hope that if there is anyone out there that tries to do the right thing and help their loved ones, that they are reading this letter. I would never ever do business with this firm again. I am crying as I write this letter.

Back on 12/12/2009, due the high interest APR, Capital One charge to me on my platinum credit card, I have called and canceled my credit card, and I have requested for letter, that said, I have canceled my self and not for the bank issues, three months later, I have requested (5-times), a new credit card via internet to same Capital One bank, with no responses. I have applied via Internet for credit card to different banks and they said via phone call, "We can't give a new credit card, because Capital One records shown you did something wrong with it and they have to cancel it.

We are having financial hardship and we are trying to work with capital one.They dont have offer to give.They Charge us $102 plus $39.95 for late charges with interest rate of 29.40%.fOR FOUR MONTHS They already charge me $555.00 on top of my account.

All of last year I worked with a reduced wage -$1600 per month. Towards the end of the year, I was unable to meet all my financial responsibilities. I found new employment that would raise my salary substantially last November. Unfortunately my new job pay period is every 2 weeks and recieving the check on the third week. As luck would have it, I had to wait three weeks for my first paycheck. January brought a call for jury service. I lost 2 weeks of pay for this. I have, as of last month caught up on my house, which was $3,000 behind, I have come current on all other payments and have returned to making regular monthly payments.

My capital one card though is $397 behind. I made a $75.00 payment last month and a $100.00 payment already this month (which is due on the 18th). I recieved my statement today which reflects $39.00 interest charge for last month (I understand that) and a $39.00 late fee due to the fact that I can not come up with the total past due amount.

i called Capital One to inquire. I will need to continue paying this past due fee until all past due payments are made. Now if you do the math, my $75.00 payment last month was $3.00 short of breaking even. My $100.00 payment, only $22.00 is going to past due. How many months will need to pass before I can get this $39.00 dropped? This company does not want to help me get current cause it will cost them $39 a month. Is there any help? Calling them didn't help.

I'm in a financial mess. As anyone else who's been doing their homework, I figured if I call Capital One, they may lower my interest rate. I've been with this company for 7 years, and never, ever paid late. I explained my situation and I'm told there's nothing they can do. I asked nicely, never yelled, never accused, and explained I only need it temporarily for 3 to 6 months. I'm refused by both the rep and the supervisor. Capital One seems to route their calls to India. Both reps I spoke with are Hindu.

By the way, I tried Chase, Bank of America, and even my local credit union, and none of them would offer to lower my APR. In fact, they all told me they couldn't. Bank of America was the only one that would lower the APR but that's from the high 10s/20s down to 10%. Luckily, Bank of America only charged me 6.24% APR and the rep explained she couldn't go any lower. I understood that and respected they had at least that program to help. But every little % helps. Citibank was the only company that when I called I didn't have to ask to speak to a supervisor.

The rep told me since I've been a valued member (7+ years too), she would look into it when my promotional APR of 1.9% went away and 29.99% kicked in, which is just in a few months. I asked if I should call in, but she promised me she would look into it personally and not to worry. In fact, a few years ago I called Citi and mistakenly thought my balance transfer was supposed to be for a longer time period, and the supervisor gave me a 0% interest rate for 1 year without me even asking for it. Citi has been the best.

Bank of America seems to have a way to help you, and the rest doesn't care about their customers. I've never paid anything late in my whole life and my credit score is in the low 700s. There's no reason for them to treat me like dirt. I'm closing out the other cards except for Citi and BofA when I pay off the debt. They don't deserve my money. Leave bad credit card companies that don't care about you and move to a company that does care about their customers.

I had a credit card with Capital One for quite a few years, and all of a sudden, they changed my address to a completely wrong address in another state! So I stopped getting my statements, and I became lax due to financial and family issues. Finally, I realized I wasn't getting a statement from them for several months! When I called them, they told me it was my fault. I should've contacted them earlier. I spoke to a supervisor who took absolutely no responsibility for Cap One's error and left it at that.

They were not getting any returned mail which would indicate whoever they were sending the statements to was not kind enough to send it back and not to mention they now had my acct info. Due to me not receiving statements on their error, I started getting delinquent notices which I couldn't pay due to the months of not getting statements. I could no longer make payments and I was taken to court by them and now have them deducting from my paycheck. I feel this originally started due to a mistake by them and someone should have offered to compensate me for such.

I have a $2000.00 credit limit on my Capital One credit card. My current balance was $1835.00. I always made regular payments. I had to bring my dog to the Animal Medical Center in NY on emergency. While there, I had to tap into all my credit to get my pet treated. I knew I had about $145.00 available to me. I used the ATM machine and took out an advance on my credit card of $100 + $1.

When I got home, I saw I was charged $39.50 in additional interest payment fees. This brought me over my credit limit. Capital One immediately reported me to the credit reporting agency. My current account now reads $2031.00 due. Not only does the balance not make sense, but the outrageous fees for the advance should be outlawed.

I want to know why they rejected a charge by Jim Simpson Insurance and Investments for whatever they asked for. I think the exact amount was $2931.25. But whatever it was, they rejected it after 3 or 4 attempts to charge my account. I am in Italy, and I will be here for 6 months. I believe that I phoned Capital One to inform them that I would be charging my various expenses, that I would be in Italy, and that I expected my credit card to be honored.

Today, I got word from my friend that Jim Simpson, with whom I have just completed a policy for home insurance, was rejected for the amount I cited above. I expect to hear from them very soon and to be told that I can expect Capital One to honor my charges. This is a very embarrassing situation, and if they prefer not to have me as a client, they should let me know immediately.

I just closed my account with Capital One over the phone with an account rep. Before hanging up, she mentioned my reward points which I thought I would automatically get sent a check when closing an account. I told the rep to just send me the check and she said she couldn't because she had just closed the account. What? I got ** out of my reward points.

I have a credit card with Capital One, and I just went to Vegas and made some purchases. And when I came back, my card was on hold and they told me to send my social security and my I.D. I was pissed. I just canceled my account.

I have had the capital one Visa card ending in 1269 doing some publishing and business from home. My life was turned around when loss of job happened, business from home did not pick up, the bank took over the rental home we had, we had to move, etc. It's been taking a long time to recover after we were working hard to get back up on our feet. In the meantime, we fell behind on bills and ended up in the "survival mode" of basic necessities. Many times, I have been working back and forth with capital one on payments, waiving fees etc. The last time I spoke to them via phone, they had said because of hardship they would not do any charges for 3 - 6 months. It was too good to be true, but I honestly thought they would want to help us in our time of hardship.

Eventually, from all the stress of life, I ended up not well during summer till fall 2009 and any extra bills that came in besides basic rent and food, we rarely opened because of the frustration of knowing we could not pay them as of yet. With all the loss we had already and had to medically get treatment for new symptoms. I am doing better and have to manage whatever I have to deal with.

In the meantime, the latest thing is that Capital One did not keep their verbal promise. My card limit is $500, but I am getting statements now ,saying I owe $1,153.54. I am appalled by these charges. To me it is fraudulent charges. It is like someone stealing my credit card and charging on it. The problem is, if I was to charge it, lets say for food and gas we needed, we would not be able to charge it. It would be denied. But it is okay for the company itself to charge on my card their fees when I have a limited amount? So, it is okay for them to cheat me?

Not only that, the collection agency they had was extremely unethical. At first, they are calling saying they want to work it out and bring down the payment and the interest of 29%. They want to bring it down to about $900. I said, no I can agree on six. Then, they tell me that they will promise (again verbally) to make a payment plan with me, if I pay "today" by phone using a checking account (which I closed before), or send Western Union (which I can't afford to pay that extra fee). Then, they will send me something in writing with the payment plan. When I said I don't have a checking account to provide, they suggested if I can use someone else's checking account that I knew. What kind of plan is that? This was with John from this collection place. It's suppose to be Allied Interstate but they leave another company name when they call.

Today was even more interesting. I spoke to a lady who transferred me to the supervisor Tod. As I was speaking to him, I firmly explained to him that I want the plan in writing first and then we can talk. And that it has to go down to six hundred dollars. I explained that Capital One did not keep their word and I do not trust anyone. So, what do you think he says; He laughs and says; "did they put it in writing?" I said, it was a verbal agreement. He said, that don't count. So, I said, "There you go, that is why your verbal agreement don't count either"... You think? He wants to do a verbal agreement and he just told me I should get it in writing. What a smart fellow. I said, "Thank you" and hung up, in between him saying, I will call you everyday! He can call all he wants, does not mean I have to answer the call!

I really thought that Capital One business was trying to work with me. I am highly disappointed that they treat people trying to publish or do any business from home, losing almost all their clothes off their backs in the manner that they are doing. I am appalled by this.

I am looking at other alternatives, even seeking bankruptcy at this point, again. Although I rather not. That is an extreme case.

This is causing my family more stress and making my medical condition more challenging at this time. I would love them either to bring it down to $600 and I deal directly with Capital One or for them to write it off as a loss. Otherwise, I don't plan to work with them at all!

I had two accounts with Capital One. They did the same thing to me that I see they've done to others. When I did an electronic payment, it wouldn't get posted that day or the next, but a week later after the due date. Then I'd get hit with a 29 late fee. This didn't happen just once or twice, but almost every time. I became cautious and printed the receipt they gave me that had a confirmation number on it each time and sent them a copy of my proof of payment. But they said the receipt was irrelevant.

So I stopped paying electronically and began sending a check via mail. I made sure to send it weeks in advance so it would have plenty of time to get there and be processed. Once again, they would hold onto my payment until after the due date and charge me late fees. Then they jacked up my interest rate on both cards saying how I had been late, which pushed me over the limit and then I was hit with almost 100 dollars of fees and they also increased my amount due dramatically.

I found out through the FTC this is in clear violation of the FGBA and EFTA, which states that they must "credit all payments to your account on the date they're received." There have been so many complaints against Capital One, that the Attorney General in WV sued them in January of 2010 and won. I am starting the process of a class action lawsuit against Capital One for any customers in the Massachusetts area. Please send me your complaints and I'll keep them on file and keep you notified.

I contacted Capital One today to see if they could lower my interest rate. I, like many people in this country, am dealing with a spouse whom has been out of work since April of last year. When I opened the Capital One card in March of last year, I had 0% interest for balance transfers. I took advantage of it, paid what I could on time every month. In March of this year, the promotion was over and my interest rate increased to 14.9%! Needless to say, I can no longer handle the $180 payments, even though I paid last month and this month on time. I called to see if they could lower my interest rate because I want to pay this debt off.

I do not want to ruin my credit and become late on any of my accounts if I do not have to. Ozzie informed me that he could do nothing because due to the economic downturn, most Capital One consumers are paying 17.9% and typically they would be lowered to the 14.9% if they asked. I then asked Ozzie, "So you are telling me that there are no other customers paying less than 14.9%?"

He told me that there were, but he could not lower my account to those rates. I basically begged him to help me out and wondered why the company would prefer to have a customer not pay versus have them pay less? He just kept saying there was nothing he could do, so I asked to speak to his superior, and then he insisted that she would say the same thing. I argued with him for several minutes as to why I couldn't speak with her, asked for his name, and he gave me his agent number so I could file a complaint.

He put me on hold for 5 minutes to get me the "number" of general correspondence, only to come back with an address that I had already found online. I again asked to speak to his supervisor and finally he agreed to let me speak to her. I plead my case, explaining that it's all over the media that credit companies are willing to work with you if you call before you run into problems and yet here I am, doing the exact thing, and they can't do anything for me. I thanked her for nothing and hung up! I am at my wits end and sinking fast. I am so irritated and outraged that I could cry!

It is only 1 day before the court date that I just received their letter which did not give me time to respond via mail. I was surprised they didn't mail it sooner as I see it was written April 14th. I am writing to let them know that not only will I be disputing their claim, but I am looking into a counter lawsuit into the illegal and deceptive practices of Capital One.

Upon looking into my records, I forgot about all the problems I had with Capital One which I have brought to the Attorney General's and Better Business Bureau's attention. They seem to be the exact same problems that thousands of other customers have had with Capital One. So many complaints have been filed against Capital One that the Attorney General in Virginia, where Capital One's headquarters are, filed suit against them for illegal and deceptive practices and won. I have asked for his assistance in doing likewise.

To start, Capital One would not acknowledge receipt of payments made until they were past their due date so they could charge late fees. If I paid electronically and got a confirmation number and printed the receipt out, they still said they had no record of the payment being made and the confirmation number and printed receipt meant nothing. I found out they did this to thousands of customers. If I sent a check in, even if I sent it in weeks in advance, they wouldn't post the check until after the due date, again, to be able to charge late fees and then jacked up the interest rate to 30%.

When my credit card was being used illegally raking up charges in states I've never been, I called them and they said I would not be held accountable for the charges and they would reissue me a new card. They never did. They left the unauthorized charges on my account with steep over-the-limit fees since they jacked my payments up 75%, and no matter what I paid, it never went towards the balance, only towards over the limit and late fees. It spiraled from there. The last bill I saw was for $3,500, which was $500 over the limit. They now say it's at $4,479.73, that's over $1,500 of their fees they've added, not to mention the $1,500 charged illegally to my card. I'm sure by next year they'll claim I owe them $6,000.

I have recently had surgery, out of work, and about to be homeless. If this total amount was all mine, which if no wrongdoing on Capital One's behalf, I would be glad to make some sort of payment arrangement although at this time I can pay nothing. Capital One did illegal and deceptive things and I intend to fight it in court. I want it to go on record how crooked they are.

My last two Capital One statement had a charge for "Credit Inform". I contacted Capital One and was told to contact Credit Inform directly even though Credit Inform is owned and operated by Capital One. Today, I telephoned Credit Inform. I asked who authorized the implementation of their "service". I was informed that I had authorized the service when contacted by phone. Their representative asked for my phone number to look up my account. I provided the number and was informed that the number did not exist. I provided a secondary number and was once again informed that the number did not exist. Obviously, they didn't have my number.

I provided my SS number, which immediately accessed my account. I stipulated I wished to cancel the service which had never been requested. The representative began spouting the praises and purposes of the service. I once again stipulated that I wished to cancel and would like my card to be credited for the unauthorized charges. He told me the service would be canceled immediately. I asked about a refund and was told that they have sent out a quarterly report that should arrive shortly and I was paying for that service. What service? I didn't ask for any service, no one ever spoke to me. I was then told that I had authorized the service when I opened the credit card. I have had this card for years and the charges just began appearing so we know that is impossible.

I asked how many other stories and excuses there are for having charged my account without authorization after which he told me that a credit would be processed and should appear on my account within 2 months. For now, I will have to take a wait and see attitude. This was not the first time something affiliated with Capital One appeared as a charge on my account without my authorization. How is it that a company can continue to get away with what I consider consumer fraud? They always cancel the services or subscriptions and refund the charges due to my persistence. I am sure there are many people who have been falsely charged and have no idea how to deal with the situation.

I just recently got my brand new credit card from Capital One. Right of the bat, I used like twice and my account was immediately placed on hold! I called them up, I was **, they told me that the anti-fraud software is very sensitive and that they will need to see some verification before they lift the hold. So I faxed in 6 pages of bank statements, driver's license and paycheck stub. I called them again to see if my paper work had been looked at, they guy said that they had not, but if the information matches what I put on my application then I should be fine but to call back in two more days to see what decision has been made.

seriously as a first time credit card user I am not used to this anti-fraud stuff, but putting an account on hold for two payments made back to back is a little ridiculous. The guy in the phone also told me that this happens to everyone with a new account, I am not the only one, I told him that this waiting around for an answer was a hassle, and they are suppose to be the no hassle credit card company.

I am not impressed with the company so far and if this was not my first credit card, I would have canceled my account long ago and switched to a different company. At least, I got to put my own image on my credit card and so I have this neat little piece of plastic with a cool photo that all I can do is look at. The waiting around for them to make a decision is probably wrecking my brand new credit I am trying to form!

I went in to the Flower Mound Branch of Capital One to deposit a pair of checks, one of which was for my mentally and physically disabled father-in-law for whom I am attorney. In fact, I have durable power of attorney. Despite the account being used for this purpose for almost a year with many checks including ones just like this (Treasury Dept.), I was informed this wasn't sufficient any longer and I needed to reopen the account correctly. I have no idea how the account was opened incorrectly but Lynn, the Assistant Branch manager, said it was wrong and therefore we could not deposit the check. This was after her asking me to sit in her office for over twenty minutes waiting on something that usually takes minutes and we handle through the drive through.

I then stood up to leave and Lynn took the check from her desk, and despite me asking her for it, since she wasn't going to do anything with it anyways, she refused and I reached over and took it from her hand since after all, it was my property and she refused to give it to me. She then very dramatically claimed I assaulted her and called the police. The police have already informed her and me that no assault took place, especially since it was my property in question nor was there any bodily harm on her part. However, the branch manager took it upon herself to freeze all my accounts, including the business account for the company for which I work, which is also the account payroll and benefits are drawn against.

No notification was given as required by law and they refused to speak to me, despite the fact that they have to in order to close the accounts, which they claim they want to do. So in the end, nothing criminal is happening despite Lynn's best efforts to the contrary. My accounts are frozen, including my employer's account which isn't even under my social security number and they won't speak to me to resolve the issue or even let me close the account. This is a violation of Federal and state laws governing banking and availability of funds, as well as a breach of contract between my company, myself and the Capital One.

We had a dormant Capitol One credit card for many years and when my husband wanted to go back to school, we took advantage of the low rate in the 8's that had not changed in all those years. Within 6 months of the tuition being on their grubby card, they jacked our rate up to 17.9% out of the blue. All my payments are automatic out of my bank and never missed a payment.

Then when they jacked my rate, they called 18 times one day and 21 times the next to tell me that even though they received a payment this month that my extra finance charges have made my payment late. I am livid! I have never had this problem with any other card. I feel like I am dealing with the mafia! So let me get this straight: I am a good customer who makes her payments on time within the agreed upon payment and rate and Capitol Dumb treats me like this! Really!

Capitol One, I hope you are listening. I am nurse that works with cancer pts. My husband works for an engineering firm. We have good jobs and pay our bills. We would have had many symbiotic years, together, raising children, sending them to college, vacations, etc. But you have blown it. Not only have I posted on my network site about how you treat people, I also happen to work for the largest employer in the area.

After several years of being a customer, I paid down my credit card by $2000.00. Within one week, I received a notice that my credit limit was reduced by $1600.00. Not one excuse made sense. My credit score has drastically increased and my income as well and I have no accounts above the limit.

I have attempted to contact them to see why and was actually told that they could cancel my card and not one person could give me assistance or a reasonable explanation. I was attempting to pay down the card for a family vacation. Unfortunately, I used my entire bonus to pay down the card and now have no money for the vacation.

Capital One card closed my account and wrote it off in Jan 2005. Since that time, they have consistently added fees and interest tripling what I owe. I have not received any notices about this. Is this legal? This only shows up on my credit report and has impacted it for years. I will never be able to settle the amount they have charged me.

All cards were paid off in 2009 and closed. We continue to receive checks to use. They have been called numerous times. The last time, we spoke with a manager and was assured that the account would be reported as closed and all correspondence will cease. Once again, we received checks to use with a statement of line of credit and balance. How do you make them go away?

In June of 1998 I was a Capital One bankcard customer. I was often nearly late in making monthly payments and yet I was penalized $25 for late payments that were not actually late. At the 4-point channel post office in Boston, clerks reported that many customers had the same problem. Then I visited the Manager who contacted the Richmond, VA Post office and was told that Capital One's courier often held delivery of payments unnecessarily longer until the were posted at the lock-box late.

I called the Washington Customer Service of the USPS and was told to report this information to the Postal Inspector's office in DC and I was asked to complete an incident report and be prepared to send copies of any incriminating evidence. Meanwhile, I spoke with P.O. Sheila D. at Boston's Police Headquarters and had no further contact. From then I paid more promptly until I was forced by health circumstances to obtain a Chapter 7 bankruptcy award.

I tried to close my credit card acct. mid 2009 ,but until it is paid off you can't close the card down, even if you will never use their card. They charged me a membership fee of $59. They told me that fee is for sending out statements in the mail, use of the online service and more. They would not reverse the charge and will charge me again.

The call center rep. agreed that it was unfair, but could not do anything about it. I thought you could not charge a fee for online payments. They believe the law cannot touch them. I would love to see them go under and those put in prison. They have inside people at the White House and nothing will happen to them. Down with Capital One and no one should ever think about using their service.

I just got off the phone with customer service after learning my interest rate increased from 9.98% to 17.9% and I'm extremely upset. I have had this account for a very long time and always paid it on time. This is an outrage! It was also quite a sneaky thing to raise my limit by $4000 one month before this happened. Now I'm very glad I didn't use much of that increase.

This is some of worst business practice I have ever encountered and the kind that bring about lawsuits. I informed the customer service rep that if this was not rectified, I can and will pay off and close this account. She had no options to lower my rate so I will be closing my account this week. After such long standing good account activity, I can't believe Capital One would treat me like this. Credit card companies think they can do whatever they want as they say "or you can pay off and close the account" knowing full well 99% of the card holders can't possibly do that. Word of mouth can go a long way and I'll be spreading this poor customer treatment as long and far as I can.

I have had two loans with Capital One starting in 1997, both of which were paid off early. I have had excellent credit and in 2005 I took a third loan with Capital One for $32,000 for 60 months at $500 a month. Last year (2009) I was going to be taking a cutback in hours and my wife was not going to be getting a yearly raise. I called Capital One at the end of May 2009 and asked to refinance this loan ($23,000) and their credit card ($6,000) into one new loan and let me take the max term they offered 84 months, which would cut my payment in half.

I was told how awesome of a customer I was and they appreciated my business, but they cannot refinance the loan or combine the card with the loan. In order to keep my excellent credit rating, my wife and I cashed in 401K and even our daughter's college fund and finally at the end of last year the money ran out. I even tried working with Consumer Credit Counseling, but they told me Capital One does not work with them or allow them to set up payment plans. Finally I just stopped paying them in January of this year at the advice of an attorney.

I have found out that the reason they would not refinance last year to help me out is because they own their own in house recovery unit that likes to refinance Capital One debt at twice the rate and fees so that they make more money on the second chance program than if they would have refinanced me last year when my credit was perfect. Every letter I sent last year and every person I spoke with told me what a great customer I was and they were sorry there was nothing they could do. I hate to see how they treat bad customers. Until this event I have never missed or been late or ever had bad credit and now thanks to what I consider unethical and immoral behavior my credit is shot and if I do make arrangements with them I will be paying them double what I owe them. What a disgrace.

When you setup a new Capital One Money Market account, there is a question that asks if you are subject to Fed Tax withholding and if yes, you check a box. I have never checked the box, but now for the 3rd time on 3 different accounts, they have withheld fed tax. On one account, the only way I could resolve the problem was to close the account.

I was told that I had to write a letter and ask to have the tax withholding stopped, I did that twice and they did not stop it. I was finally told by a CSR that the only way they could think of to stop it was to cancel the account and open a new one so I did. The next account that it happened on, I was able to get a CSR to stop future tax withholding but not until after tax was withheld. Now on another new account, they have done it again. I keep copies of the application forms so I can prove I never checked the box.

At first, I just thought they were screwing up, but now after a 3rd occurrence, I think it is a plan. I think what they are doing is withholding tax on your account balance, and then they apply the interest to the lower balance. If anyone questions it, they say oops, sorry about that and maybe fix it for you but in the meantime they have used your money, and then withheld tax that you didn't ask to be withheld so that they are paying interest on a smaller balance.

For most of the accounts the amount withheld is probably small, in my current case, $2.32, nothing huge, more of a nuisance, but if this is intentional and they reducing account balances by withholding fed tax, then paying interest on the adjusted balances, they are saving huge amounts of interest payments to their customers. Does this sound plausible, is anyone else having this trouble?

Capital One credit cards made an unauthorized electronic check withdrawal from my account in the amount of $642.00. It has now taken 11 days and three conference calls with Capitol One and Bank of America. Every time I call back, account managers state that they have no record of speaking with my bank. I had the bank fax confirmation that a double payment was withdrawn and the account manager reports that it does not have any report of that. They state that they have no superiors that I can speak with and, as of this date, it is still unresolved.

Each manager I speak with advises me that the money will be returned within 48 hours. I have kept records of every manager I have spoken with. I had $150.00 in overdraft fees as a result of the extra withdrawal or bounced checks. I also have a payment due for my son's admission fees in the amount of $900.00 that I cannot pay as a result of Capitol One not returning the money and restricting access to my credit card.

I took over attempting to negotiate with Capital One in June 2009 three cards all with balance below $2,000. I was not successful although, I tried to combine the three and each one charged us with late fees, then over-the-limit- fees, high interest. Now, I'm facing court in Richmond on one, so far and have been harassed by several different (so they say) collection agencies. Many different reps who called my wife at work, called neighbors *** at me for "not cooperating" and in general, have been impossible to deal with. Bank of America and Citi have been helpful in our time of financial distress, not Capital One!

I get constant calls demanding payments we cannot afford. I am 66 and should be retired. My health has suffered from the mental and emotional stress created by the everyday phone calls. We are supporting children and grandchildren as best we can. My wife has no health insurance. Our car is a 1998. I live like a refugee, etc. and I will never have anything to do with Capital One when we get rid of this nasty group of people. I suggest no one does, emphatically.

Capitol One emailed me an offer of unrestricted access to my account to my cc account if I paid the past due balance of $695 of which I did. It got to them on time but they had up to 25 days to release the account. This was handled by Capitol One's collection department which was Alliance One. After the 25 days had long passed, I contacted Capitol One by phone, email, fax, and mail.

Each time I was told to wait until midnight for the system to update my account. The payment was made on Feb 5, 2010 and as it stands now, I never received any response from Capitol One even though I provided them a copy of the agreement. I finally emailed them again and I got a response back that said they could not honor the unrestriction agreement since my account was scheduled to be closed per my request which I never asked them to do and my credit had been revoked so their hands were tied but I could apply for another card if I liked.

I transferred $6700 from higher interest rate credit cards to my Capital One credit card when they had an 8.9% APR offer for the life of the balance. Not a month after I transferred the balances, Capital One raised my interest rate to 17.99% (now the highest APR of any of my cards). I called Capital One and after being told I "misunderstood" the offer, I was transferred to an account manager. Although the account manager was nice and pretended to be understanding, she stated there is nothing she can do. Everyone I spoke with confirmed that my rate was 8.9% when the balances were transferred to Capital One, yet they blame the economy for raising my interest rate weeks after the transfer.

This is completely shady and unethical business practice. They did not care that I have excellent credit and have always paid my bill on time. In fact, it is my belief that this may have caused the interest rate hike. They suck you in with empty promises and if you have a good payment history, they milk you because they know you'll pay! I was a good customer for years and this is how they repay me, waiting for me to get a good balance on there and then doubling my interest rate. I have a few other credit cards, and none of them have raised my interest rate more than 1%-2% due to the bad economy. Please have your lawyers consider a class action suit against Capital One. Their business practice is criminal to consumers.

Capital One did not explain to me that my secured credit card would go to the post office and I would have to have one of three pieces of id! I have waited over a month for this card only to be told I cannot have it! Plus it's my own ** money! Then, I went on line which I should have done in the first place! I then told Capital One, I did not want to do business with them at all! I tried to close my account and they would hang up on me repeatedly. It has taken over twenty four hours to simply do this! I was hung up on six times. They do not communicate with each other at all! I can get a visa in 7 days and I can trust my bank! I will never do business with those idiots!

I have been a member of the Capital One Banking system since its acquisition of Hibernia National Bank. Before Hibernia National Bank, in my city, this banking system was called Texarkana National Bank. Needless to say, I have been a member of this banking system for approximately the past 20 years. I have a problem with the way this banking system regards its long time customers. In essence, I feel that this banking system gives no regards to the longevity of its customers or to the frequency of transactions through its banking system.

For the past several years, I have been charged outrageous overdraft fees on dollar amounts as small as $4-5 dollars. To be charged a $35 overdraft fee, for a transaction of $4-5 dollars is consumer robbery! I have applied for a line of credit through Capital One, for as little as $300 to help cover any overdraft fees that I may occasionally have, but was denied this small line of credit even though they "offered" it to me. I have been made aware that there is a problem with various banking systems in regards to the "excessive" overdraft fees they are charging its customers. If there is any information out there regarding these fees and the Capital One banking system, I would appreciate the information.

It is with sadden regret that I am currently decreasing the amount of money I have directly deposited to Capital One on a bi-weekly basis. I am also cancelling the majority of my bills which are paid through its bill pay service (another rip off), which is only another means to charge an overdraft fee, and is causing me an overdraft in my account on a bi-weekly pay period. I currently have two Capital One credit cards with no balances. I am also cancelling these cards. I have had these two cards for several years, each with a $300 credit limit. I have not had a credit limit increase, nor have I had the offer of a credit limit increase.

I am sure that my decision will, in no way, have any bearing on Capital One's procedures for customer longevity, and with the "millions" of individuals who are serviced through Capital One, I realize that I am the only one dissatisfied customer. In my opinion, "one" is too many! Thank you for your time in reading my complaint.

Consistent overdraft charges ranging from $200.00+ "every" pay period. This has caused me stressed in being able to pay my regular bills due to these overdraft charges being deducted each bi-weekly pay period when my pay check hits the bank. I am constantly running "short" on cash each pay period because of this, which causes me headaches and neck aches from the tension this procedure is causing.

I have not made any purchases recently with this credit card. So I do not understand why I am being charged interest on a "purchase segment" You can see on my statements that the entire balance I have is listed under "Special transaction". This was a "0%" promotional offer from sometime in 2009. I emailed customer service in 12/09 to ask when this promotional rate would expire and you can see the response was that it expires May 24th 2010. Since I haven't purchased anything or added anything to this account, I really don't understand why I am being charged any interest at all before May 24th. I would appreciate if yoyu could clarify this for me, or better yet correct this matter. If possible I prefer not to deal with the acct managers from the 800 number because they have not been able to help me and have only been rude.

"We have received your question regarding the interest charge. So that we can better assist you, we have reviewed your account and found that it is the finance charge on your purchase segment. Interest will not be assessed on new purchases if the total new balance is paid in full prior to the payment due date. If you do not pay your next bill in full a prorated interest charge will be assessed on the unpaid balance. A prorated interest charge will be assessed on the remaining balance and will be applied in your next month's billing period. If a cash advance or special transfer is made, interest will be assessed as soon as the transaction applies to your account."

I am being charged $82.18 interest on this account even though I received this email from Capital One services stating that my promotional rate expires May 24, 2010. I called customer service hoping to resolve this matter. I was transferred to Acct Mgr. "Amanda" who asked me to hold for "3-5" minutes. After holding for about 23 minutes I hung up and tried again. This time I spoke to Acct Mgr. "Jasper".

I explained that I had an email confirming the expiration of the promotional rate as May 24 2010 and that I did not see why I was being charged. He put me on hold just a few minutes and asked me when I made the transfer. I obviously don't remember the exact date and that's why I emailed Customer Service in December 09 to confirm the expiration date. I told him I had an email from Cap. One. He said, "well that email doesn't mean anything to me". I told him if he couldn't help me, he should transfer me to a supervisor. He said, "My supervisor doesn't take calls."

I asked him to transfer me to another acct mgr. He said "I can't do that, I'm not going to transfer you." So I hung up on him, called back and spoke to "Pauline". She within 5 minutes and without being rude was able to reverse the charge of $82.18 "as a courtesy" but informed me that my account is still accruing interest and would continue to do so regardless of the information given to me in the email.

could do is honor the expiration date of May 24th I was "mistakenly" given. I am not trying to cheat the system, I am not trying to take advantage of anything. I am only asking that the May 24th expiration I was told of be honored so that I can work out a way to pay the balance before then.

"Dear Evelyn, Your balance transfer interest rate is 0.00% non-variable. This interest rate will expire on May 24, 2010. After the expiration date, your interest rate will be your existing purchase rate. We determine the different fees and rates for each of our products depending on the services we include and the markets where we offer them. We continually review our rates to assess their competitiveness. If we determine in the future that we can offer a change, we'll let you know. "

The balance on my account is from a balance transfer I made, when does my promotional rate expire and is there a way to extend it?

I had a nice low (5.40%) APR on my card for 3 years. In March of this year, I happened to check my online statement to find it had been raised to 13.90%! When I called to question the increase and the high interest charged on one purchase of $43.00 since the increase, I was told that the raise was implemented on February 12, 2010 and that the new interest rate was being applied to the remaining balance and not just new purchases. I asked them to lower the rate or deactivate the card and let me pay it down at the prior rate. They refused to negotiate or work with me in any way.

I previously filed a complaint regarding Capital One, who responded with a lie and on top of the lie, they originally told me verbally.

Last year, I transferred a balance onto my Capital One Card and was promised a 2% balance transfer rate by operator **. Upon receiving my bill, I learned that I was being charged 10.99%. When I called to advise of the mistake, I was told that I agreed to 10.99%. This was an outright Lie.

Capital One reiterated this fraud by responding to my consumer complaint saying the same thing. Recently, I refinanced my mortgage and consolidated Credit Card Department, including my Capital One Card. My intention was to get rid of this card, pay off the balance and never have to deal with them again. I, of course, continued to make all payments on the card during the refinance process. At the time of my closing out of a concern, there would be a further delay in getting the final payout to Capital One.

In March, I called and requested an extension on the payment due date to allow a window for them to receive the payoff balance. I was told over the phone, "No problem" and my due date was extended a sufficient amount of time to pay off the card. I have now received another bill with a late charge and an additional finance charge because Capital ONe did not extend my due date as I was told they would.

This company is defrauding consumers every day and getting away with it. What can be done? There was an undue charge on my card after Capital ONe agreed to extend my due date.

I purposely got this credit card for the purpose of establishing credit, so paying on time was very important to me. It also had a low introductory rate. I always made sure to allow a week and a half mailing time, since they would charge you $15 if you wanted to pay directly from a bank account (bogus practice). In January, I was informed my payment was late and would go up about 20 percent interest. I asked them to fax me a copy of the postmark; since I was totally positive it was mailed and received in time. They refused to. I then wanted to immediately close the account and pay at the original interest rate. That also was refused.

I then spent 6 months attempting to pay if off, since each time I called for the total amount owed and paid that, there was always some charge added that kept the account open. It dragged on so long they added an annual fee. I finally got irate and asked why they were not telling me the correct amount that I owed to finish it. They said that even they did not know that. Then I asked if I could pay over, just to finish it, they said they would refuse the check and charge me a late fee if it was over even a single penny.

Now, on my credit report is 2 late reports from them (not the case originally, and one for over 60 days, which is totally false). I believe the original late incident was created by them to get out of the low initial interest offer. They have also requested credit inquires 6 times in a 2 month period on me to damage my credit rating, since I am very not interested in having their credit card ever again.

I don't believe there are any checks and balances on these companies for engaging in these practices. I think people will assume you are a liar, and the company isn't. The times they were investigated, they were guilty of this and continue in these practices. It is way too easy for them to hold payments and the consumer has no protection on it. They also should be legally forced to accept direct bank payments without their high fees, to stop this holding payments game, and holding hostage your credit score.

I called and asked if they would send me a bill so I could pay off my $72.00 balance! This was in March 2010 when they sent me a bill of zero dollars due! I had to explain to them that I had a balance and the supervisor I spoke with was a real jerk! This was today 4/11/10. They locked and suspended my credit card and refused to reopen it until I paid the balance. I told them I'd be happy to if they sent me a bill that didn't say balance due zero. I have that bill and they refused to accept what I told them or refused to take a fax proving that!

Don't deal with these idiots! They don't send out monthly statements, so you really don't know how much you owe until you tell them! This is the poorest excuse for a credit card company that I've ever seen!

I opened a Capital One credit card. Never owed anything at each billing period. While on a road trip, they froze the account. I called and found their responses to be insulting. So I said, "Close the account". They refused even though no monies are due. They insist that I fax them my ID in order to close the account. So far as I know or care, the card is still open even though I don't use it and won't ever use it. A great business model. I think not! I have no damage just many calls by me to them asking to close the account. Yelling into a sink would get better results.

Interest rate hike by credit card company. Received and automatic credit limit increase. Along with that increase, I received an interest increase to 29.99%, which the company justifies as it being to late payments (2 late payments to be exact) which occurred 4 to 6 months prior. So my question is directed to the company, why wasn't the interest increase implemented immediately after the second late payment?

It wasn't because of the new credit/bank laws that were to go into effect at the start of the new year, so the credit card companies have unjustly targeted cardholders with bogus increase. If I am being penalized for being late twice, why would they turnaround and reward my account with an increase of $3500.00 then raise my interest rate? When I called the card company, I was told I could request an interest rate reduction after six months. On the seventh month, I called the company and was told no, not in six months but call back after 12 months. I'm most certain I will get another story then too.

A John D. called me regarding a network marketing training program. He indicated the cost was $10,000. I indicated I did not have that kind of money. He disputed this indicating that I must have a savings account or other money/accounts of some sort to draw from. To prove it, I (stupidly) relayed my credit card number after he asked about how much credit I had available. He was very coercive so I wanted him to realize that I only had a couple of thousand dollars worth of credit available. He ran a check but also in the process charged my card to the full extent of my existing credit in the amount of $2,000. I protested stating that I had auto payments that would be coming through that would result in over limit fees.

After getting off the phone with John D., Capital One telephoned me to advise that he had attempted to charge an additional $500 to my credit card subsequent to our conversation without my knowledge. John D. told me not to worry because I'd have a $5,000 check by the end of the week that would more than cover the charge and that they would assist me to accomplish this immediately. Then he said that I should leverage earnings to meet the $10,000 fee to become an "inner circle" member. He promised an all-expense paid training session in Malibu, CA or he'd fly to my home in Minnesota to do the training. I never heard from him again.

The reality of the situation was that they basically blew me off from the beginning. Their initial scheduled phone conference with an agent was totally ignored and I finally had to call them. The agent seemed surprised and unprepared to speak with me. This was their repeated pattern which reflected a total lack of attention to any service or training commitments.

It is not about network marketing training, it is purely a money-grabbing scheme which is unlawful. The Los Angeles Police Department is actively investigating them which will result in charges against them. Needless to say, despite my numerous timely attempts to have the $2,000 charged back to IncFortune.com, which included providing Capital One with various forms of documentation, Capital One has sided with the IncFortune.com predators and refused to credit my account.

Therefore, I consider them complicit with and an accomplice to this internet marketing scam that has fleeced at least 80 to date including the elderly who literally turned over their last dime to these no good gutter snipes which has left them literally penniless. This is an admonition to beware of the Push Traffic, aka Success Rate, aka IncFortune, aka Jump Launch, etc. scam and Capital One. Don't do business with any of these people. They obviously are looking out for each other and not for the good of the consumer. I have an outstanding charge on my Capital One Visa card from IncFortune.com in the amount of $2,000 which is accumulating interest charges daily.

In today's world you have to have a card.

Period, you have to have one. Now they are also going to start charging us extra fees for debit check cards. Capital One used to be a great company but now is a money hungry *** like the rest, maybe the worst. Well, other than Chase who is disgusting. I guess we need to go back and be like our parents, only buy something when we have the cash to pay for it. Use your card and pay the balance immediately online so they can't lie and say they never got your check, which they do all the time. The only problem with this is if you are a responsible customer who carries no balance, they will cancel your account. Since we have to have some kind of card in today's world, we must play their sick twisted greedy games and it makes me sick. It costs a fortune and you can never get out from under them.

Due to these challenging economic times, my wife and I ended seeking help through Consumer Credit Counseling Service rather than filing Chapter 7 Bankruptcy in order to honor our financial obligations. Our experience with Capital One has been absolutely horrible. Before I get into my specific issues that I have with Capital One, a little background information is in order.

When we first contacted a CCCS company, we knew that there would be some timing issues regarding the proposals to our creditors and reaching mutually acceptable agreements for repayment of the debts that are owed them. Initially, the first proposal to Capital One was declined because the proposed payment amount was too low by approximately $3.00. I was contacted by the CCCS company and was told of Capital One's rejection of the initial proposal and the counter-proposal that Capital One had offered. I immediately agreed to Capital One's terms. The CCCS corresponded back to Capital One stating our acceptance of their counter-proposal.

My problems with Capital One are:

1. One hand doesn't know what the other hand is doing (departments at Capital One don't communicate with one another).

2. Each time I am contacted by a representative from the Capital One collection department, I get someone from India who speaks very poor English, rude, hangs up on me and refuses to let me speak with a supervisor (most of the time) when I ask to speak with one even though I am polite and respectful towards them. When I do get to speak to a supervisor, I am passed off to someone who seems to put the phone down when I am voicing my complaints.

In my humble opinion, Capital One has become one of the many scourges of the financial industry. It is my intention to blog excessively; file complaints with as many regulatory agencies as possible with regards to just what I have experienced with Capital One.

3. Capital One has already agreed to the revised debt repayment proposal yet they constantly call and harass me. I am getting calls even after it is legally permissible to call (have had calls at nearly 12:00 A.M. and before 8:00 A.M. as well).

On Feb. 18th 2010, when I went to the location noted above to check to see if my unemployment benefits kicked in, I noticed that I was missing money from my account, $10.00 to be exact. I had dealt with the same problem on Nov. of 2009 and I was credited for the amount of $20.00 that I caught missing from my checking account. After the November issue, I noticed money missing, but I made no complaint because I feared to be confronted with a problem. On the 18th, I called customer service regarding the $10 issue and spoke to Sara a representative and she told me that she spoke with the manager and that I would be credited.

The day after when I went to inquire and spoke to a Hispanic staff at the Pelham branch, the staff went over to the manager and the manager with a tone told me that she was going to close my account because I'm always complaining about my balances every day. I simply replied about what Sara and I had spoken and told her I would call again to Customer Service. When I spoke to customer service, I was told that the manager was not closing my account but if I caused a scene, she would close it.

This upset me because I had perceived her as a person with racial issues. For example, if I treated myself to coffee as the bank offers as a hospitality to customers, she would come charging at me to tell me not to take coffee because it was for customers waiting to be called. Anyway, I went over to the bank and disputed with her about her comment with customer services regarding a scene and she closed my account.

This dispute caused me to get arrested and see a judge at criminal court. She called the cops and lied and told them that I have a gun and that I wanted to shoot them all. I still have to see the judge on june 8th of 2010. I would very much like to have these two workers terminated from their jobs. Please reply. Thanks.

I received a notice that I was going to be charged a $59 yearly fee, unless I called to cancel my account. I called to cancel my account to avoid the $59 yearly fee, but was told that if I didn't pay the balance of $4000 off on my card in 90 days, I would be charged the $59 fee anyway. The money owed to Capital One is on a balance transfer of 3.99% for the life of the loan, which I paid a nominal fee to get. Now, they are are breaking the terms of this agreement by forcing me to pay $59 whether I have closed my account or not.

During 2009, I was charged several late fees due to mail delivery (It was corrected each time), and of course, this cannot be confirmed. I always mailed my payment at least a week in advance. Secondly, this month of April 2010, they took out a fee without notice, and charged me a late fee when I used the card with money confirmed on the phone the same day, and then said that the shop where I've shopped for more than 3 years was late in presenting their payment. How am I responsible for that?

But ,they charged me another late fee. Every month it is something else. Are they trying to ruin my credit? When I paid online, they swore they didn't get the payment; I paid by mail; the mail was late. I wonder, do they let the payments just sit there in the office until they figure out a way to take my money? I cut up my card today, April 6, 2010 and when I requested a statement for the last three months, they hesitated. and said each sheet would cost me $3. And, if I cancel, that I will incur more fees for that decision and new fees will be assessed until I pay off the balance, a balance they cannot verify immediately by fax. I can't imagine what fees they can assess against a closed account.

I received an offer from Capital One for a card with a promotional 0% interest rate for a year. I applied for and received the card. We used it to pay for some car repairs and got it paid off within two months of making the charge. When I paid it off, it took two weeks for my available credit to reflect the payment. Then, I contacted them to find out if I was eligible for balance transfers, and if I was, what the interest rate was. I was told I was eligible and that my interest rate for balance transfers would be the promotional 0% through March 2011.

However, when I called back a week later to actually request the transfer, I was told that the interest rate for transfers was 18.99%. I was transferred to an account manager who when I told her of my problem and the message I received from them the week before, she told me it was a mistake and that I wasn't eligible for 0% on transfers even though they told me I was. I immediately responded with asking her to close my account. This is not how you do business. I've never seen a credit card company wait 14 days to reflect your payments in your available credit. And, to go back on your word on a customer who paid the account on time and in full, well, that's just not how you do business.

And when I asked for a copy of this notification, guess what, they don't seem to have that to send to you.

I got the story of poor Capital One suffering in these economic times had to raise rates, but it has nothing to do with my credit history, or payment on the account, and how sorry they would be to loose me.

What I want to know is when our Government, (Senators and Congressmen) are going to stop protecting these companies, especially those who got bailed out by our government, but are bilking the consumer as punishment. Unless you elect to raise every single card holders interest rate, then you are committing discrimination.

A few days ago, I looked at my transactions on my credit card. I don't use it too often, so usually I just check the balance. Well, I realized that when the interest hits, I'm hit with another charge from Payment Protection. I called in about it and they refunded $50 and cancelled the account. I looked back on my statements and realized they have pulled $127.08 from my account total, so I called back and they said there is nothing they can do. $50 is all they can refund.

I asked how I was signed up for this without my authorization and they said Capital One customer service had me signed up, so I called them and end up speaking with a supervisor about closing my account. He pretended to completely take my side, acting like they did something illegal and stuff like that is why our country is in a mess, but there is nothing they can do. I'm not sure what I can do. I guess eat the $77 but it's the principle of the fact that gets to me. I was unknowingly signed up for a service that I never would have verbally agreed to, nor have I signed for. Then, when I tried to get it resolved, they still come out on top. I have my credit card on hold and am paying it off, then i'll be closing the account and going to Chase.

After the $50 refund and cancellation, which showed me they know they were in the wrong, they refused to refund the additional $77.08 that they got from me, and it really just pissed me off more than anything.

I looked all over my credit card statement and couldn't find a customer service phone number. Capital One raised my interest rate for no reason "but" I paid them 3% of the balance in order to retain a fixed rate for the life of the loan, How can they sell me (not free) a loan and give me something else? Isn't this Class action material? This is hundreds of dollars but it is accumulative, but already over $200.

I purchased my vehicle for $15,000.00, and the vehicle was supposed to be paid off in August 2009. When I got to the end of my auto loan, they said I had three more payments to make because I had deferred my payments three times. Okay, so I paid until November 2009 and assumed the loan was paid off. Then I received a call that I still owe three more car payments plus interest for everyday that the payment is late and late charge fees. I asked how that could be when I thought the interest was already calculated in the original car loan.

The rep I spoke with on 3/25/2010 advised me that even though I have been making payments and have already paid $25,078.00 to them, I still owe them $1,900.00 in late fees plus three additional car payments--which I don't understand why. I have already paid $10,000.00 over my auto loan. Please help with this situation. Thank you very much for your time.

Unfortunately, my ex-wife and I got a divorce and she got the car, which is perfectly fine. But now Capitol One is filing an injunction against me, which they said will result in jail time. I explained to the debt collector I do not have the car. They said they don't care. They just want their full amount now for what the ex owed on the car.

I have two accounts with this credit card company. One is Visa & the other is a Master Card. I have never been late with my payments. In fact, I pay twice or triple the minimum due. My interest was 7% on one acct and 10% on the other which I accepted; however, I was called last month and asked if I was okay with them not charging me late fee if I was ever late on my acct. They would waive the charges. Then this month when I received the bills. My interest on both accounts was hiked up to 17.99%. When I called them, they stated that due to the economy my interest had increased(?).

I signed a loan with Capital One in 2007, for my son to purchase his truck. He has been late due to being laid off from work and now is a law enforcer and does not make much money. The original note was $618.45 a month. When he was late, he always paid an extra amount to cover the late charges/fees. I found out last year, the extra money he was paying did not pay the late fees, but, instead, went directly to principal. Now, on my credit report, it is showing late fees!

I called Capital One, only to get a recording. I finally did get in touch with a representative. I asked them to put my payments to every other week on Fridays, which, they did. However, my son had to pay a late fee of $95.00 and I am still being charged late fees! I cannot understand why I have a late fee? I want to file a class action lawsuit against Capital One Auto Finance, but I am unsure if I have any rights!

I have had a Capital One Credit card for quite a few years. I have always paid more than the minimum payment on this account every month. I have not used the card in over 2 years. Today, I got a call from someone who didn't even speak English, yelling at me that I was late with my payment (which is due on the 16th of April). Unbeknown to me, they had raised my minimum payment so my last month's payment was short of the minimum payment. What I don't understand is although I haven't used the card, they informed me I am over the limit? How can that be? So I asked for the payoff as of today and paid it off and closed the account and asked them not to send me any information about their card at all. I feel I have been ripped off big time. These harassing phone calls I received from Capital One put stress on me and my finances.

I obtained may Capital One Card around Sept 2005. I enrolled in the credit card protection services for an individual. I recently contacted the company to inform them that I was no longer interested in the program, they suggested that I can change my enrollment to an individual, not joint, to lower the cost. I then said why did I have a joint enrollment in the first place. I am the only card holder there are no co-signers. or other persons on my card.

I was told I should have notified them earlier, that I didn't have a joint account. I said, "I'm sorry I don't understand why would you enroll me in a joint account, when the account is an individual". There was complete silence. I was being charged $0.99 for every hundred, since 2005, until 2010. I should have been charged $0.59 for every hundred for the individual plan.

I would not have even known I was being overcharged, until I tried to cancel my services. Someone enrolled me up for the joint account themselves. All information needed was made available over the phone, to enroll. Someone knew that this was an individual account, not joint. There is only one user for the account. I didn't fill out any paperwork, all information was given by phone to enroll

I am writing you in response to a letter that I received from Chevy Chase Bank that stated: "Earlier this year Capital One Financial Corporation, the parent of Capital One, N.A., acquired Chevy Chase Bank. As a result of this merger, the creditor for your home equity loan or line of credit will now be Chevy Chase Bank, a division of Capital One, N.A. The loan we are referencing with this notice is" and it went on to say, "date of notice: August 24, 2009 loan borrower L H. Property address: *** Philadelphia, Pa 19150 Date of Loan October 2, 1997 Original amount of loan $18,835.39 loan no:2610408986."

It then goes on to give the address which is on the complaint form that I am submitting. "The date of the transfer which was July 30, 2009. The instrument representing the indebtedness of your loan (promissory note) is not a recordable document, but the promissory note is in our possession. The security instrument (deed of trust) that secures the repayment of your promissory note is, however, recorded in the public land records in the applicable jurisdiction. If you have any questions about the notice or would like to contact someone authorized to take action on your loan, please call us."

So I contacted them about the loan, that it was paid off but I was curious as to the amount of the loan and as far as the pay off and they said that the payoff of the loan was $11,058. You see, when I paid off this loan, I argued back and forth with them about the payoff of this loan and maybe I made a stupid move because of trying to settle my mother's debts. I just thought the pay off was just too much. Now, they told me that nothing was ever paid on this bill but there were payments made up until the death of my mother in September of 2000, also after which was set up by her attorney Mark **. The pay off in the amount of 28,000 dollars was sent to them by Silk Abstract Company trust account.

When I confronted Chevy Chase or Capital One, they wanted to know why I waited so long and I explained the situation to them. Their response was and they were very nasty about it, what would I have them do. and I responded that I would like to have my money back. This, I was fighting for in the beginning. I had to re-finance my mother's house. That money should have been mine and not theirs. I am still paying on this loan. The only thing we got out of the refinance was $455.05. There were a lot of repairs needed to be done to the house. So I had to re-finance again just to pay AMC mortgage and now I am in debt to Ocwen. The money that Chevy Chase took from me would have been enough to make the major repairs. I just want my $16,942. Can you help me? Please!

Capital One sent a statement for a credit card I never received. I called to complain and she canceled the first card and sent out a second card which I received. They added the balance from the first card to this new card. I called and complained saying this balance will not be paid until they adjust my bill. They never did! So now they are taking me to court on April 23, 2010.

I have been a loyal customer to Capital One for six years. They had me at a fixed rate of 7.9%. I always paid on time, and always paid more than the minimum balance. This month, I noticed an increase in my rate. It jumped from 7.9% to 17.99%. I was never notified of this increase, so I decided to close my account. In light of this situation, I run a lawn service, and only have or had two credit cards to make purchases for equipment, materials, gas, and so on. It was nice of them to take away the credit card from me, when this is the busiest time of the year for me. I will never do business with Capital One again.

For the past 3 days, we have been bombarded with calls from Capital One shows up on caller ID. They do not leave a message when call goes unanswered. We called the number yesterday morning and discovered that Capital One was trying to contact us regarding a new offering: pay an upfront fee and no charge if we go over on the account. We declined the offer and asked them to remove our name from the call list and to stop calling. After that call, we received 5 additional calls from Capital One over the course of the day. We called again in the early evening and asked them once again to take us off their call list, as we were not interested in any offers.

Not more than an hour later, they called again. At this point, we spoke with a customer service agent who: 1) denied that he worked for Capital One, 2) could not explain why we were still getting calls from his phone number 3) laughed at us when we expressed our frustration with the situation. There was also a background noise of people laughing, cheering and having a good time, as if they were having a party in the call center. Very unprofessional. That agent ended up hanging up on us.

We called the 1-800# on the back of our card to cancel this account and went thru another run-around with that agent. They verified that the 1-800- number is in fact a Capital One phone number, but again, could not explain why they were continuing to call our number. As we tried to cancel the account, we were unable to verify the transaction with the agent. Thirty minutes later, we received another call. At no time was a supervisor or manager called in to assist us with our issues. Extremely bad customer service!

Capital One raised my interest rates from 9.9% to 17.9%. Their answer was due to the economy. I was not late on payments and usually paid more than the minimum amount. I have been a good customer for 10 years. It is making it difficult to get the card paid off. When I purchased the items they were one rate, now I am paying at another rate.

We have credit cards with Capital One bank which were advertised as a fixed rate. We have had these cards for more than 15 years and kept our credit in good standing. This year, they increased our interest rate to 17.99% on purchases and more on cash. We did not agree to this increase. The balances before this year should stay at the fixed rate we agreed to. They have increased the rate on the whole balance.

I have always paid my bill on time. I have not used the card in years, and the balance is around $1,100.00 - $566 of which is Capital's various fees and add-ons and the amount which is "over the limit." Again, I have not used this card in years. In July of 2009, I lost my job and took a $28,000 a year pay cut. I also lost my health insurance for one month until I could start paying for it myself and during that month I had emergency eye surgery for a torn retina which amounted to a $7,500 hospital hill, $3,500 surgeon bill, and an $820.00 anesthesiology bill which I am having to pay monthly out-of-pocket. I had to pay the hospital $1,000 down at the time of surgery.

I explained all of this to Capital One and asked that they put me in a program where my monthly payment could be around $25.00 a month, fees would be frozen, interest rate lowered, all in an effort to pay the card off and close the same. They did put me on such a program, but unfortunately I have today found out that they continue to charge over the limit fees and "past due" fees on the account and that they actually only waived one of their fees at the time I was enrolled in the program. I was also told today that the $25.00 a month was not enough and had never been enough to keep my account out of bad standing with the credit bureaus, something I was never told.

I was also never advised to use my payment protection plan which I paid for each month and then found out today, when I asked about it, that they had cancelled it, without notice to me, because $25.00 a month was not enough for "them" to continue paying for the plan. Excuse me, but wasn't I the one paying for the plan, not Capital One?

Now they want me to start paying $42.00 a month beginning April 15, otherwise, they will charge off the account as a bad debt, which I do not want. I am afraid they have already damaged my credit. I only have two credit cards, which I do not use, the other being Chase. Chase is working with me on a liquidation program where the card has been closed and I pay $24.00 a month without any negative ratings being reported to the credit bureaus.

A jump from $25 to $42 may not sound like much, but it is still money that I need to live each month while trying to pay my regular bills and medical bills, and I feel like Capital One is fraudulently representing their hardship program and then continuing to charge over the limit and past due fees even though the card has not been used in years! I do have a full time job now, but the $28,000 a year pay cut really hurt, as you can imagine. This is very stressful in my present financial situation. My mother passed away unexpectedly in June of last year and losing my job the following month (July) and trying to pay everyone and keep everyone happy is just about to take a toll on me. Please help if you can. Thank you.

Capital One and their collection affiliates keep calling here for a Rebecca ** to collect on bad credit card debt. She is my father's wife's daughter (adult). She has not lived in SC for over 20 years, and she has never lived in the same house with me. I recently remarried and moved from my home, and in with my new husband a little over a year ago. We have been receiving these harassing calls for a year now. We have demanded, begged, screamed and threatened to file a lawsuit for harassment. Each time, they tell us that our number will be removed from their records within 24 to 48 hours.

Once, we have went rounds with an affiliate, another one gets the information and begins harassing us all over again. I spoke to an actual Capital One person tonight, I think. They could be lying as well. His name was Keith. He told me that I had to write them a letter and mail it to Capital One Cease and Desist. My question to him was why do I need to do anything? This household is no way connected to Rebecca **, other than the fact that my father married her mother after we were both adults, and had moved out of their home. I have never lived with Rebecca in any state. Please, someone help me. I want to sue for harassment!

Trying to pay off Capital One card (have two issued by Capital One). Low credit limit, $700. For several months, I was paying the minimum of $29 due, but the available balance remained at -0-. I was relieved, thinking they had cancelled the card and I could avoid the $4/month "membership fee". I pay my bills on the internet, and the 2 Capital One cards are linked under the same log-on.

Each time I clicked on "recent transactions" for the Platinum card, it would show "no transactions". I did not pay attention until I happened to catch this: even though I was making payments on the Platinum card, when I clicked on "recent transactions", it would redirect over to the Gold card - the only way I discovered this was by noticing the last 4 digits of the account had changed in a very non-obvious manner (no change of screens, no flags, nothing). When I was able to maneuver back to the Platinum card, I discovered that for many months. C1 had been showing a $29 minimum payment due, but charging me $39 a month in over-limit fees!

I tried contacting them via email and was sent a generic message of "please call." I called, couldn't get through because I don't have the card number (cut them up months ago) and could not get through to a live person. Now the bill is $1400 and I am livid. They have just done the same thing to my husband. Minimum payment is $29, then charging $39 in over limit fees, with no recent transactions showing!

I am sick over this, literally. And angry. And I would love to find a lawyer who wants to make Capital One payback everything it's stolen (yes, stolen) to the point Capital One folds. I don't want to pay the rest of this card off. My credit is shot and this is such a back-handed practice. I cannot believe it's legal.

This was the 3rd call for a Walter somebody. My husband told them on the 2nd call to stop calling, that this person doesn't live here nor do we know him. They called again today asking for Walter. I informed her that this is harassment and I am reporting them to the BBB and the Do Not Call List. Due to their stupidity in telling me that there would be a 4th call to verify that it is a wrong number and then we would be removed in 24 hours, I am reporting them to your company. If they do call me I am suing them under CT state law for $500.00 or maybe I'll just sue them for $1,000 anyway for stupidity. Under the law this is harassment by creditors, and in the state of Connecticut it is against the law to continue to call after the company has been told to stop!

My late wife passed away in April 2007 and had two Capital One credit cards of which I had no knowledge. She also had more cards and debts of which I knew nothing. I am a truck driver so she handled the finances and I know I was complacent in that respect. My gripe is the fact that I settled these accounts which was mostly late charges and interest and now my credit report shows these as charge offs. Bear in mind that my signature was nowhere on the cards or any receipts for charges and none of her other debts went on my credit report. I've tried writing letters and calling Capital One with no satisfaction when I was trying to do the right thing by paying off debts that I didn't know were being made.

Credit card issuer Capital One Bank charged Maceo (customer) $568.00 for membership fees and credit card late fees after his account was settled and closed in February 2005. Without the customer's knowledge, Capital One continued charging the customer $29.00 per month for late fees from 02/2005 up to the day the customer received a credit report via Chase Bank. To make matters worse, Capital One reported these charges as delinquent past due payment to the three national repositories as well as the credit score developer: Experian, PO Box 2002, Allen Texas 75013, Telephone No. (888) 397-3742; TransUnion, PO Box 1000, Chester, PA 19022, Telephone No. (800) 916-8800; Equifax , PO Box 740241, Atlanta, GA 30374, Telephone No. (800) 685-1111; and Fair Isaac, 200 Smith Ranch Road, San Rafael, CA 94903. Telephone No. (800) 777-2066.

According to Capital One Recovery Section Manager (Ms. Laura, ID no. **), she admitted to the customer (Maceo) on March 18, 2010 approximately at 3:45 pm MST that the account was charged off in February 2005 (paid in full). Capital One's deceptive, unfair and bad business practices continued for five years, charged the customer for late fees accumulating past due payments of $568.00, whose account was settled and closed in February 2005. These errors on the part of Capital One have caused a tremendous amount of emotional distress along with several notices of credit denial. My job search was impacted by the negative comments submitted by Capital One.

This is the only balance that impacted my credit report. In December 10, 2009, the customer was rejected by M&I Dealer Finance Bank. This was the same bank that finance customers $32,000 in June of 1999 for an automobile. On March 18, 2010, Chase Bank refuses to refinance customer home because of the derogatory credit ratings from Capital One. Thus, this long term past due balance from Capital One has resulted in approximately 44 point average drop in customer credit score, which translates not getting a 30-year fixed 5.00% mortgage rate versus customer current 6.20% mortgage rate. This mortgage rate denial by Chase Bank resulted in the customer losing tens of thousands of dollars because of the poor business practices and poor follow up by Capital One.

Conclusion: Restore customer credit rating to the 700 credit score level. Reimburse customer the difference in dollars between a 6.20% at $407,000 mortgage versus 5.00% at $407,000 mortgage because of the derogatory credit rating caused by Capital One. Customer is seeking compensation for mental depression from dealing with Capital One Management Team; Capital One should pay all attorney's fees. This is an example how Capital One continues to take advantage of good customers who work very hard to pay their bills and they still get a raw deal and lose credit reputation. Yes, I would love to have an attorney to contact me about my complaint.

First, I disputed the fraudulent charges on my card 8/20/08 I was given credit, then it was taken back stating that the wrong department was authorizing charges and that we would get credit for the charges from a different department. I spoke with Chuck from the fraud department - Investigator Eiken 1-866-330-4549. I disputed charges since then.

Now, you have charged me late fees, etc., bringing the balance that you placed me into collections for up to $792.22. My account was closed, and I was issued a new card. Then there were charges still placed on the card which were credited off (fraud charges). Here it is, almost 2 years later, you placed me into a collection agency. (We have been speaking with the hardship department who were going to call me back but never did.) We just got a call from the collection department and were advised that this is affecting our credit rating now.

Please contact me. I have in more detail whom I spoke with and when and numbers. I am going to contact the Attorney General's Office, Customer Assistance Group, and Commissioner of Financial Institutions State Corporation Comm of VA, and I will cc the letters to the CEO Richard Fairbank of Capital One.

I received an offer for 12 months at 0.00% with a 3% transfer fee, and borrowed $5,600.00. Capitol One is charging me a finance fee on part of it, and my balance is right at that amount, with last month's payment of $1,810.00. I will fax or send statements if needed. I think it is a fraudulent charge. They are charging me with a finance fee of $35.37, which I don't deserve, because I paid my $112.00 transfer last month.

I used to have a Capital One Credit Card which I have since closed and am making what payments I can make on a monthly basis. I don't make much on a monthly basis so I pay what I can afford on all of my bills making rent, utilities and food, a priority. I don't go out to eat or buy clothes unless I absolutely need them.

I have cut all of my expenses drastically so I can make more than my minimum payments on all of my bills. Capital One has contacted me via telephone and letters saying that I am delinquent and if I didn't settle or make huge payments, they would take me to court. With a small salary, I can only pay what I can afford. Like the old saying goes, you can't squeeze blood from a turnip.

I work hard for my money and have made payments every month to pay of the remaining balances but with the enormous interest rates that they have added and penalties have not put any dent in the bill. Now, I am being sued by Capital One and every other day a process server is knocking on my door trying to serve me papers for a court appearance. I am afraid that if I answer the door to this process server that I will be forced to go to court and the courts will decide in favor of Capital One and I lose everything that I have worked so hard for. Most of what I have, I have bought at Thrift Stores and Salvation Army because I can't afford full retail prices. The majority of my clothes have come from the same stores. I am also afraid that if they continue they may show up at my place of work to serve me papers and that would totally embarrass me and could end up in me losing my job.

We have a home equity loan with Capital One. We've had this for a little over 3 yrs and before this, the loan was a mortgage that was paid in full within 5 yrs. When we took out the equity loan, the girl put our due date down so with our grace period of 10 days, our every other week paycheck would make it possible to pay our payment on time each month. Since 2006, we've had one late payment and that was paid immediately, which that was my fault on the lateness being of one day past the grace period.

For some reason, Capital One has started phoning me at work, today, thrice and one phone call was the supervisor after I asked too many questions that weren't answered. I asked for their supervisor. We have never been called before. Not even last month when the payment fell on the same day because the pay periods were on the same days as last month. After speaking with the supervisor, I sent a fax to have them stop phoning my work and it was sent to the phone number the supervisor gave me.

After I sent this and had scheduled a payment for the 19th via my checking account with Capital One bank, I got another call from another twit. These people absolutely lie and continue to harass me when the payment is being made within my 10 days grace period. No late payment is even due. Can someone tell me how to take care of this problem with them? I'm short of just hanging up on them with each call. If I was late, it would be one thing, but I'm within my grace period per the contract with Capital One. I will lose my job if this harassment doesn't stop. The calls take me away from my job and my supervisors think because of the 3 calls today and 2 yesterday that I am not paying my bills.

The Capital One card was in my husband's name for use with his business. I was listed as someone who could sign, but not a joint account. My husband's business filed for chapter 7 this past November; since then we have not heard a word from anyone. I had recently run my credit and found that Capital One was on there so I filed a dispute.

Now they are calling me with the threat of a lawsuit. They will not or can not provide any documentation that I was on the account or how the account was set up, just that they want paid by me now. We have always kept our stuff individualized due to his business; he is not on mine and I'm not on his. Funny that they had no contact or complaint until I tried to get it off my credit report. It has ruined my credit report and could cost me my job.

Capital One Credit Card Company is very fraudulent. I was charged a 39 annual fee this year which I have never been charged since I received the card. I have a $6,500.00 card limit and paid it off except for the fee. Then when I received my online statement, there was 41.17 due. Explanation was there was 2.17 charged for interest on the balance for 3 days or whatever. I really don't understand but was told I had to pay fee and interest and they would figure how much more interest I would have to pay to have a 0 balance. Hopefully the amount they gave was right and that my account will actually have a 0 balance. When is someone going to put a stop to all this nonsense with Capital One?

I sent out 3 of my credit cards with wrong stamps. I received them back, 2 weeks later. Well, that made them late. The other two said. "No problem. You have always made your payments on time," and they waived their fees. But not Capital One.

They argued with me and said they would not remove all their fees. They took a $500.00 credit limit and turned it into $1,130.00. I asked them to stop their fees, and they refused. They have destroyed my credit. At one time, they agreed to take a $500.00 settlement, but I asked for it in writing, and they would not send a letter.

Now, they have sold it to someone from another company. And I am not getting anywhere with these people either. Can you help please? They have destroyed my credit over a stamp.

Capital One had contacted the IRS saying I owed them around $1,300. They said that sent me some 1099 to calm on my taxes. I had to tell them I never received them and I never had a credit card with this company. I have problems in the past with my son using my name in credit cards before. I had contacted the BBB with this and they closed the case. I want something done with this company, They will not listen to me. They are saying I did have these cards. They will not do anything about it. I'm to the point I'm stressed out about this. I'm not eating this money. I never had their cards.

My card has been charged off since 2006 and it has damaged my credit rating. I was making more than the amount of payments and they kept hiking up my charges. I was also making payments over the phone. Their agency has been calling me for the past two days and harassing me. They are calling every five minutes, and being very rude to me. I am fed up. I do not feel I owe them any money because they have already damaged my credit. They will not change the status of my credit or send me a statement or work with me, so why should I work with them.

Well, I left Alabama on active duty orders and someone who lied to me to gain my trust, used my credit card without my knowledge and racked up a big debt on my Capital One card. So, I filed a fraud report with them and nothing was done. I told them I have police report and orders showing I was not in the state of Alabama when this happened. Instead I keep getting transferred from one representative to another saying they can't help me with my account.

When I do get transferred the last time, it went to someone's voicemail, which I left a message and no one returned my call. My card has a $1000 limit and this person manage to over the limit by over another $1000. Explain how they let that happen. I reported this last June and til now the problem is not resolved. Now the bill is in collections. I will pay the debt that is mine no more than $800. The bill is now $2700. I cannot think to even afford to pay that as a single mother.

They issued a promotional interest rate of 7.35% with no stated deadline. All my payments were on time and I have a credit score of 767 as of February 2010. Capital One issued no direct warning of credit card increases in my prior bill on February 18, 2010 stating in small print in the middle of the second paragraph on bill rate changes information with multiple dates.

Nothing was legible in pointing out the outrageous change in interest rates from 7.35% to 17.9%. Capital One should have made this more obvious. I felt scammed and will cancel Capital One Card immediately. Please warn other consumers. I needed to re-arrange finances to avoid paying this loan shark interest rate and cut back on an already bare boned family budget. I will complain to the state.

I signed up and was approved for a Capital One Credit Card in I believe it was the late fall of 2006 or else Beginning of 2007. I was unemployed but got an offer to sign up for a capital one Credit Card, so I did. When I went to activate the card (Note it had a $500.00 credit limit), they asked me if I wish to add a protection plan to my card. It would cover my minimum payments in case of illness or loss of job. Well, in June of 2008, I ended up going through a surgery that nearly killed me, and was out and unable to work from June of 2008 until July of 2009. Since the state was giving me $230.00 cash assistance every month and I had medicines to pay for, I made my monthly payments, and have to admit that I had to use the card towards medicines but continued to make my monthly payments.

My cash assistance ended in June 2009, so from July to November, I made my payments except for one month I missed, which after fees and protection plan fees, put me over my limit which in the end, I had to come up with almost $130.00 in order to go back under the over limit area. I had contacted Capital One during July until November two times through the email site, telling them I needed to make a claim against my protection plan and I needed the information on how to do this. All I got was an email back saying to contact customer service. When I did this, I got a customer service representative which I couldn't understand due to their accent.

So I asked her if she could send me the information I was requesting. She said she would but I never got anything. I eventually ended up writing a letter to Capital One only to get no reply. I tried to email again only to get to call their customer service. I told them per my letter, since their representatives have such an strong accent, I have too much trouble understanding what they are saying, so I wished all contact and information to me sent to me via snail mail. No response. Finally, I made a final payment in November 2009. Sent another letter, telling them I was busted. I could no longer make a payment and needed to make claim towards my protection plan. This was the beginning of December 2009. No reply.

Since then, I have not paid them anything and now, I get phone calls up to 4 times daily from them. I told them on the phone many times that I couldn't understand what they were saying and I told them what I needed. They tell me that they go through a different company for that and they don't have that information to give me. I asked what was I to do without knowing who or the number I was suppose to call and they told me thank you for calling Capital One and hung up. Now, since about February 20th 2009, Capital One called up my cell company Verizon, who gave them all cell numbers that are under my cell account. The second number on my account is not mine and above all the person it does belong to is under contract with my cell company. But since he started out under mine, they gave Capital One that number.

When they contacted my friend, he told them that this cell number wasn't mine and did not belong to me and to take his number off their list of phone numbers to call. After one week, they called again 3 more times to his cell. Eventually in March I, called them told them that the number they were calling wasn't mine and that it was to be removed. (this was the second request for removal). She asked me what the number was and said it would take up to three days but it would be removed.

Then she asked me if I was able to pay my over limit charges, when I told her no and that I have been trying to get the information to make claim to my protection plan, she told me that I need to call another company and the information was on my statement. What? I said no one told me this and I did look thru my statements before, I did not see anything about calling this number. If you need information or make a claim from your protection plan. Anyway, I looked and saw no such information.

Then she said that the number would be removed but it would take three days. Four days later, on March 14, 2010 (today), he got calls from Capital One yet again. He called them back, told them this was it. He had enough and that he requested his number be removed and this would be the 4th time in 4 weeks he has asked and that this time he was going to turn this over to an attorney for harassment. The women on the phone said to give her the number and that she would process for it to be removed. He said no, I am sick of this. You guys told me this three times before in 4 weeks. Enough is enough. He asked her for her name, she refused to give it. She said her name had nothing to do with this and she told him thank you for calling Capital One and hung up.

I don't get why they couldn't give me what I asked for from the very beginning. I don't know why they don't have customer reps who speak English without an Indian accent, so strong you can't understand them. I don't understand why after I told them repeatedly that until they gave me what I asked for that I was no longer going to deal with them, yet they continued to call me 3 for 4 times daily since December 2009. Right now, I am almost $300.00 over my limit with over charge fees, protection plan fees etc. I can't pay it. I never was employed.

When I signed up for the protection plan, I was never told I was not going to get it if I wasn't employed. I was never told that the protection plan won't cover if I was sick prior. In fact, I never got any information about the protection plan at all after I accepted it when I activated my card. Now, they still won't give me the information and as I see from your site, it would do me no good. So I have been paying for something from the very beginning I didn't qualify for since about 2006.

My fiance' keeps getting repeated calls on his cell, which is his is his work phone, where he gets his business calls. They harass him almost daily even though we told them that the number wasn't mine. We have requested the cell number be removed from the account 3 times and he is getting so upset by it that now he lets all his cell calls go right to voice mail. From this, he has missed out on a few jobs. As for my backlash, numerous voice mails daily, was sold something which I find out now, I can't use. Not being informed now puts my credit rating in the gutter big time.

And now, I have a forever racking up credit card bill with Capital One on late fees. Not telling me this from the beginning really puts a hurt on my situation now because I have no means to pay them. I wasn't in such a stressed state, until I find this out. What in god's name am i to do now? They are making my life a living hell just by the phone calls, knowing fully well I told them I couldn't pay them and that I needed to make a claim to a plan that now, I cant use anyway because they would tell me I don't qualify because I wasn't employed.

Capital One sent me letter stating that they would be raising my interest rate but that I could cancel the card and only be charged my current interest rate on the remaining balance. They weren't true to their word. They charged me the higher interest for over a year. When I paid the card off, a month later I received a bill for Interest on cash and regular purchases. I have never withdrawn cash from this card and have made no purchases in over two years. They charged me additional interest once the card was paid off. This company is very shady and I wouldn't recommend it to anyone. I called the company and was put on hold for 16 minutes. When someone finally got on they said that there system was down and they can't help me. I would need to call back on another day.

I have my paychecks direct deposited into this account (Capital One Prepaid Mastercard) as I am a domestic violence survivor and need to keep my identity and location safe. Anyway, last week, it took them four days to release my pay and today, I called and they show no record of my direct deposit, yet payroll company states they do have it. I am unable to pay bills that are due because they have a excuse after excuse on why my money hasn't posted to my account. I'm told the are manual posting all of their direct deposits that all they know, it will be 10 am, then 5 pm then 11 pm then four days later. I don't understand!

Capital One sent letter 2/09 saying that interest rate would change to 18% or I could close account and if unpaid balance, keep at 7.9%. Therefore, I closed the account. Just finished a 30 min. letter to our bank underwriter (for construction loan) to explain this negative impact on my credit score, even though it's the only neg. New bank regulations are tight and everything has to be verified. Capital One continues to be a complete hassle with no rewards.

On March 10th, my balance on my van was $7,062.10. I paid $7,062.10. Today it showed I had a payment of $427.92 due on 7/10/10 on a balance of $228.76. It showed a balance. I paid the balance due. Shouldn't I have a zero balance? I have spoken to 3 different people who have given me 3 explanations, but all are saying that the balance doesn't necessarily mean it's the amount I owe! I told one person that every other bill I have if I pay the balance, I now owe $0! They are giving me the runaround, ** and trying to finagle things around to justify scamming me for more money. Don't ever go with Capital One Auto loans!

Capital One knew my wife was a credit risk as she is bipolar and unemployed, but they issued her two sequentially numbered credit cars with a $500 limit. Both of these cards were in my wife's name and I was never notified that she had these cards. She did well for a period of time, but eventually exceeded the low $500 limit on both cards. This thus, generated large over limit charges and even though she was making payments every month, her dept continued to grow. They then claimed that she had a late payment and added large late payment fees to both cards and jacked up the interest rate to almost 30%.

She contacted them on several occasions to resolve the problems. After receiving no help, she stopped making payments. Soon after they contacted me and initially, I thought that it was some type of scam, as they we nasty and wouldn't provide information to verify who they were or verify that my wife owed them money. They simply wanted me to give them the full amount of the dept by electronic transaction. The initial $500 dept is now up to almost $2,000 for each card. That is what I call predatory lending!

After I confronted my wife and found out that she did owe money on two Capital One credit cards, I contacted them and found they again wanted the full amount of the debt and had no interest in setting up any payment plan or working with me in any way. They have now filed to garnish my paycheck even though I had nothing to do with the two credit cards that they issued to my wife without my knowledge.

We are a small business that deals in used medical equipment. We purchased 6 parts from a company in CT. We were quoted a total of $9,000.00 over the phone in more than one conversation. We ordered the parts on Nov 20th with a faxed purchase order for $9,000.00 with a 1 time charge of a $3,000.00 down payment on our Capital One Card. Therefore, we should have only owed $6,000.00 via Check, 30 days from the date of the original invoice. We received the original invoice on 12/1/2009. After noticing that the invoice was for $12,000.00, we tried contacting the company immediate of the discrepancy of $3,000.00. The company never returned our calls.

On Dec 20, they proceeded to charge our credit card an additional $9,000.00 without our authorization. They didn't even give us a chance to send them a check, which we were getting ready to write that week, but didn't because we noticed the charge on our Credit Card. I contacted Capital One immediately with all our documentation that we should have only been charged a total of $9K and not a total of $12K. Capital One took the side of the Merchant. Capital One said we could have modified our Purchase Order.

That is not the case. The Merchant has our original purchase order and it states $9K with a $3K deposit on our credit card. I've tried to fight this with Capital One in every aspect I could and they said we have no proof that they didn't quote us $12K. They have no proof that we gave them credit card authorization, the merchant has proof that we authorized a total of $9K to be invoiced, not $12K with only $3k being charged to our credit card.

Capital is fraudulent and I've cancelled all my cards with them and will never go back them. They flat out told me that if I gave someone a verbal price of ex: $500.00 and decided after the fact I wanted to charge $5,000.00, I could because the customer would have no written proof that I didn't quote that. So, I am warning everyone that reads this complaint. Cover yourself and make sure anything you order over the phone or credit card, get it in writing with a valid signature. There is so much credit card fraud out there. I have all the proof including 3 customer services representative that can vouch for the conversation. Nothing counts.

I went through a credit counseling program a few years back and my Capital One credit account was listed as an account to be settled. Through trial and error, and months of payments to credit counselors, I was still being summoned to court by creditors. I finally made the decision to drop my credit counseling program and deal with it on my own. I was told at that time, the only account that was settled was "Capital One". For three years Capital One never contacted me about anything, so I believed it was settled and paid.

Then 2010 arrived! I receive notice from two different collection agencies showing two different amounts owed to Capital One. Both of which have interest for the last three years. I contacted Capital One and asked them if this account was not settled, why did they never contact me for payment for three years? Also, I asked about the 2 different amounts from 2 different collection agencies. No comment was what I got. I explained to them I would have paid it off three years ago when I took care of the other debt (over 30k) $1,800 turned into over 4k with no effort on their part to contact me. I have recently received a summons for judgment on the higher amount (naturally). They are ignoring the lesser amount from the other agency.

Two days in a row now, Capital One has called me up saying that there were some charges on my card that didn't look right. So I call them up the first day, answered a couple of questions. No problem! The next day, I call them back and they ask me who my relative in Maryland. I don't have a relative in Maryland. So they freeze my account, and then tell me I have to go to a bank and get photo ID verification. The two banks I went had never heard of such a thing. Two and a half hours later, they believe me. It's hard to run a business when your credit card company has you running all over town because they ask you questions that don't apply to me.

I used the Capital One credit card while traveling abroad to get cash at an ATM. They charge $10.00 per transaction, which seems very high and is different from what they charged before. Is that legal? When I returned home and received my bill, I paid it in full, plus an extra $100 to cover any fees they might tack on. When I received my next bill, they had added interest fees anyway, even though there was nothing to charge interest fees on. I am quite sure that charge is illegal, and if they are doing it to thousands of their customers, they are taking in a lot of money illegally. I was not damaged personally but I would like to stop what appears to be an illegal practice by Capital One bank.

In June 2009, I noticed the interest rate spiked on my Capital One card from 9% to 17.9%. I've had this card for around 10 years, always paid on time, more than the minimum amount, etc. I called customer service and was told I was sent a notice in February. I told them I received nothing about any rate increased. They said nothing they could do but that I could try in a few months and my rate could probably be lowered again.

In August 2009, I called again, told them the same thing I told them in June 2009 and received the same response. I was also told that my interest rate could not be lowered at all and the previous agent misspoke. In November 2009 (my birthday of all days), I tried yet again to have things fixed but they would have nothing of it. They reiterated what I had already been told, and their attitude was that more or less, I was [out of luck].

So in January 2009, after I had already cut up the card and moved any exiting auto-charges to other accounts, I drafted a letter to the CEO, in McLean VA detailing my problems. Being nice and courteous about what I have encountered and explaining that I never knew my rate was going to be increased until I saw my bill in June 09 suddenly spike. I received a response a week later not from the CEO but from someone named Kathy A., who is a part of the Executive Action Committee.

They replied with what amounted to being a form letter, about how it is more risky to loan money these days and that even model that rates had to be increased even for accounts in good standing. Telling me that I was sent a notice in Feb 2009 to the address on file, that they show no record of it being returned to them as undeliverable and because I did not contact their automated system by April 17th at 8pm EST, I was basically out of luck.

I replied back to them, this time, sending a copy to the BBB as well. I was thinking that the BBB would have some weight behind them, but I was wrong. I told Capital One that they cannot simply say that because they did not get the letter back, that I got it and I am at fault. They fail to accept that mail does get lost when sent first class mail (if you want someone to get it and be able to confirm it later, send it certified or via FedEx at least then you have signature proof). Their reply is that they are not changing their position. I rejected that response from the BBB, and the BBB turned around and considers the problem closed and resolved and if I want to pursue further, I should consider legal action.

I will be doing all I can to tell people to leave Capital One and not do any type of business with them. They are nothing but legal thieves. They received bail out money and bought a bank with that money, even though now they claim they have paid the money back. They still used it to buy something they didn't need.

"I have the same story as all others on here about Capitol One. I am a good customer for years and they raise the interest to 17.95 from 9.9%. They claim they sent me a letter a year ago. Who in their right mind if they saw their interest was going up wouldn't close that account? Ok, the economy is already tough and they do this to the American people and say they reserve the right to raise the interest even though I had a fixed rate for several years as well."

Their Executive Response person, whom I was told to get in touch with within 7 days, continues to be unresponsive as well. It is almost as if they are forcing people into default or even worse, bankruptcy. Due to the increase, last month's payment did nothing but pay interest. My balance unchanged as a result, free money for them. The rate hike also raises my minimum payment well over what I can afford.

They raised the interest rate on my credit card from 4.95% to 15.90% this month! I called them and no explanation could be given as to why, other than saying that they sent out a letter in Feb. of 2009 telling me that my rates were going to go up.

I never received anything with such a statement! They acted as if they could care less! My credit is excellent and I always pay more than the minimum.

My payment also went up! I live on SS and a pension. I can't afford this type of treatment!

I have the same story as all others on here about Capitol One. I am a good customer for years and they raised the interest to 17.95 from 9.9. They claim they sent me a letter a year ago. Who, in their right mind, if they saw their interest was going up wouldn't close that account? Letter? Okay, The customer service rep was condescending, kept repeating a script, said she could not help me. She said, "call back in the future and ask to have your rate reduced"? I said, "I called you now and want it reduced." She said, "it has to be in the future." Okay, the economy is already tough and they do this to the American people and say they reserve the right to raise the interest even though I had a fixed rate for 5 years. Does that mean I can reserve the right not to pay them? Capitol One, No Hassle? No Way!

Continued calls from Capitol One asking for a "Kirk". I repeatedly answer that "you have the wrong number". The caller did not speak adequate English to be well understood. Three to four calls a day, with the same situation. I finally ask for a supervisor, explained the problem, with some hope this will stop. Capitol One needs to supervise their callers better.

They decided that the whole $700.00 that I owe to Capitol One is more important to them than being fair. I have now been served court papers by the aforedescribed leeches in the amount of some $1400.00, legal fees not included of course. If they decide to continue with this, it will really, really make me consider running for public and political office, the tax payer needs a break from ** like this.

I had 3 accounts with Capital One, Visa and MasterCard. All the accounts were stolen and charges that were not mine were put on. When I reported this to Capital One, they told me to make a police report, which I did. I sent them a copy, they closed the accounts and then they came after me to pay them. This has been going on since 2001. They took me to court over 3 years ago. They lost, they were told by the judge to remove all negative information from my credit report. They never did, in fact, even their attorneys after the case would never answer my attorney any questions.

So last year, I took them to court again. They got a new attorney group. They wanted proof again that these charges in Russia and Minnesota were not mine and many others. We proved it to them again and they agreed that these charges were not mine. They did not want to go to court, they made a document with my attorney stating they would remove all negative information from my credit report, they even signed this document and even Capital executive officer Jonathan C signed it. And my attorney told the court we want this to be monitored by the court until it is removed. At this time, they still won't take it off my credit report. In fact, they still have their collecting group call me once a week looking for money still.

I called Capital One. They did not have in their records any kind of lawsuit from me and they had no record of any kind of paper work I have with their signatures. I even faxed them a copy, when I called them and tell them that they are making my life impossible to even get a loan. Their attitude to me is very condescending.

They only want to get me off the phone. I never in my life, and I am 52 years old now, came across a bigger group of thieves like Capital One. My next step in about 60 days is to go in front of the judge again, but this time no deals with Capital One. I want money from them. They have cost me now close to $500,000 in attorney fees and extra interest I paid on home loans, car loans, credit cards, etc. that I should not be paying if I had them off my credit report.

They have cost me in excess of $500,000 in extra interest I pay on home loans and in fact I am loosing 3 homes now because I cannot remortgage them because of my bad credit. By the end of this month, Capital One will cost me in excess of $3,000,000 in lost properties because I don't have the credit to re-mortgage them.

Capitol One increased APR from 7% to 17.9% just in time to beat the new legislation that would not allow them to do so on past purchases. They knew the legislation was being worked on a year ago that would prohibit them from raising interest rates on existing purchases and only raise interest on those going forward. It is somewhat understandable that they raise interest on new purchases because we all got the memo - the economy is down and don't use your credit cards. But they went ahead and slammed everyone with the increase on everything with the non-customer friendly reason "it was a business decision". Well, the American family's decision should be to drop Capitol One completely. The government should let them fall without any bailout. There should be a national protest against Capitol One, starting today!

It appears to me that Capital One has decided that their customers who have a credit card and always pay their bills on time are no longer worthy clients. My statement for February showed a finance fee for the first time in 10+ years. When I called to inquire, the "customer" representative informed me that the fee is to compensate Capital One for the fact that I am using the card for payments.

From this January onward, the company considers the payments I make as a loan. When I asked why they charge me for the privilege of using my credit card in the way it is intended, the answer was, "We consider it no longer a privilege but a loan." Well, the best Capital One customers can do in such a case is to vote with their feet. I will close the account. There are other providers out there who keep their word when they extend a credit card.

I have been a loyal Capital One credit card customer for probably about 10 years. They have been a pleasure to work with, until now. Between Feb and March of 2010, my interest rate went up from 10.9% to 29.4%, and my minimum payment went from $195 to $380! Old finance charge $93, new finance charge $269, wow! When I called to get an explanation, I was given a condescending attitude.

The rep also claimed I received a mysterious letter a year ago, explaining what they were going to do! I remember no such letter, and if I did read such a letter, of course, I wouldn't still be a customer anyway! It is a comfort to read from fellow victims. I thought I was losing my mind. What a nightmare! I don't know what to do. They did offer to revert to my old interest rate, but I have to close my account! Why would they give up a valuable customer like me?

I was recently laid off from work. I had a $500.00 charge card that the date of due bill was changed without notifying me. I tried to settle for $650.00. No they would not settle. Next thing I know Capital One garnished my savings account with my son's name on it for $1,447.00. That is 200% interest. How can they charge that much money for a $500.00 charge card?

I called Capital One to report fraud on my account for $230.00. It's not much, but a lot to me, and I was just accused of being a liar, and was harassed at work by Rachel. I turned in all the required documents. The bottom line is, it is more stressful dealing with them. I just decided it was not worth the stress, and decided to pay the charges, and just close this account, and never have to deal with this crazy company again. I would never ever recommend this bank to anyone. Leo, the manager, was no help either. What terrible service! It was very stressful, and emotionally draining to me and my husband to deal with. This is a company that treats their customers badly.

I just got off the phone with Capital One. They have raised my interest rate from 6 to 18%. I asked them if I closed my account what would the interest rate be, 18%. The girl started reading a script and I told her, don't read a script, work with me; I've been a local customer for over 10 years. She told me, "sorry, I can't do anything for you". I even requested to speak with a supervisor and she told me, "she can't help you either"! I have been a loyal customer, paid more than the minimum and on time every month.

I was told that it had nothing to do with my payment history and that I was a good customer. They said I was sent a letter to opt out over one year ago in Feb, 2009. Who remembers that or even if I really got such a letter 1 year ago? This is their legal loop to get away with such ** I hope NO ONE does business with Capital One - I will not charge $1.00 with them again!

My Capital One credit card interest rate increased nearly triple, despite my paying on time, and always more than minimum payment. This is a despicable business practice, since supposedly, we are being protected by the new law. Supposedly, we received a notice of interest increases a year ago. I have all correspondence, notices and statements for the past 2 years, and find no notice of interest increase. What is going on? I will be paying three times the interest amount on my balance, and will take forever to pay off my credit card. I wont be able to use my card any longer, as I simply can't afford to now. The new interest rate will take up about half of my payment.

Capital One more than doubled my interest rate on my credit card for no reason at all. I also was never notified that my rate would be increasing. I can barely afford to pay my bills now. If I have to pay twice as much interest every month due to an unjustified rate increase of double what it was, I will have great difficulty in making the minimum payment every month.

Three times I warned them not to call. But at 8:44am, and twice at 9:27am they did, Friday today. Arrangements were made online through their internet accounts receivable that a payment is set to be made on 3/12/2010. They repeatedly call me at home and on my work/personal cell phone number after my warnings. Please pursue action against them for ignoring my warnings not to call me again either at home or at work repeatedly.

My 7 year old grandchild keeps getting credit card applications. I tried to get this stopped, but calls to the opt-out number requests her SSN, which I will not provide. I have tried a number of ways to speak to a human, but always get a recording. It may potentially adversely affect her credit, should the wrong person get hold of one of the applications and fill it out.

My credit card interest rate was 7.9% now my March statement has jumped to 17.95%. I have always paid more than minimum and early, never late and never even close to my credit limit. Called Capital One and was given no reason other than "bad economy". I thought the new laws went into effect in February where they could not do this? My finance charges have gone from $29.66 last month to $68.64 this month. Interest rate has more than doubled.

I had a Capital One credit card. In 2006-2007, I was covered by their payment protection plan, or so I thought. They charged me for this service, but when I was no longer employed, they told me that they could not cover me because I did not work full time when I applied, only part time. Well, they knew this when I enrolled in their payment protection plan and they still charged me every month. A professional just recently said that if what I am saying is true, then this is a case of fraud.

My account is closed but it seems as if they are still adding on interest charges. Do I have a case against them? They have filed a judgement against me for $1,751.17 and my credit limit was $500. I tried to protect myself in case of unemployment, but they obviously deceived me. My credit is damaged because of this and it could have been prevented if they honored the terms of their payment protection plan. I also owe them over twice as much as my credit limit.

I had 4.95 interest rate locked in since 2006 and have once paid it off--then, I usually pay extra. Now, they raised my interest to 15.99 percent. It is outrageous. They told me that they could not give me the reason why my interest rate was raised. I said it was my account and I had the right to know. She said, "We are unable to release that information."

They increased the interest from 7% to 17.90%, with no reason to do it. I was never late, I made payments more than minimum, and I have a good score. I think this is abuse.

I have been a loyal Capital One customer for many, many years, with two credit cards. My rates were raised from 5.9% to 15.9% on existing balances (one card in fall 2009, the other in February 2010). I even paid for a full credit report today, including my credit score, to make sure they didn't have a justification to raise my rates. As I suspected, everything on my end was fine. My credit score, rated "excellent," it's in the top 2% of U.S. consumers. So having good credit equals paying off Capital One's bad debts. I am paying off one of my cards over the next two months and searching for a low intro rate with another company for the other. I refuse to do business with Capital One for a minute longer than necessary. I hope they go out of business in shame. And this situation was handled very badly by the current presidential administration. It ended up hurting consumers much more than it helped them.

When I received my March statement, I noticed that they raised my interest from 14.4% to 22.9%. I called and spoke to Sara and Ann, I received two different stories, one, that they will be reviewing my account and lower it back down in a few months and the other, that it was raised due to inactivity, and they stated they sent a notice out in February. I never received this notice.

So on 3/3/10, I called and requested for a manager and spoke to Aaron. He stated that he would give me the opt out option even though the deadline has passed. I agreed to do this because they would, in no way reduce my rate otherwise. So on 3/3/10, I closed this card and agreed to pay the balance at the 14.4% interest rate. I want to post this so that if a month or more down the road, they try to change their story because I was given so many different ones while talking with them.

Capital One raised our interest rate from 10.9% to 17.9% in Feb 2010 with no warning. Now, we are over our limit. We have always paid on time actually making every payment earlier than needed. Always been in good standing even have a car loan through them which payments are always on time. So why are we being penalized with no warning? Now over the limit and no notification to opt out.

I have had my Capital One card for several years. On the Feb. 2010 statement, my interest rate jumped from 11.9% to 17.9%. Oh did I mention that a few months ago they increased my credit limit by a few thousand dollars setting me up for the higher interest rates? As others have stated, I always paid over the minimum payment and paid on or before the due date. I have never missed a single payment. This is how Capital One thanks there revenue customers? Slip it to them before the new legislation goes into effect! They should be ashamed and held accountable in the public's eye.

Interestingly, if you call you receive a recording about your interest rate unless you use the menu for a live person, who has been scripted to tell you there is nothing they can do nothing, even at the supervisor level. Also, on their website, they are not taking emails concerning interest rates. Hmmmm, I wonder why? Since I am currently in the middle of graduate school I cannot pay off the balance. That is why I was using revolving credit until graduation to begin with!

Should I continue my now almost double payment and unmanageable interest in the hope of not destroying my credit history or tell them where they can go and good luck collecting the money? I additionally am now receiving at least one scam call per week asking me if I want to lower my interest rate. When you ask what company they are with, they hang up. Thanks to Capital One's irresponsible actions, these scam artists are probably making money like never before.

I have had my Capital One card for several years. On the Feb. 2010 statement, my interest rate jumped from 9.9% to 17.9%. As others have stated, I always paid over the minimum payment and paid on or before the due date. I have never missed a single payment. This is how Capital One thanks there revenue customers? Slip it to them before the new legislation goes into effect! They should be ashamed and held accountable in the public's eye.

Interestingly, if you call you receive a recording about your interest rate unless you use the menu for a live person, who has been scripted to tell you there is nothing they can do nothing, even at the supervisor level. Also, on their website, they are not taking emails concerning interest rates. Hmmmm, I wonder why? Should I continue my now almost double payment and unmanageable interest in the hope of not destroying my credit history or tell them where they can go and good luck collecting the money?

I recently wrote in about Capital One telling me that I would "never" be able to pay off my credit card if I paid only the minimum payment each month. This was on February 22, 2010. According to them, it would take "forever". They did not have an answer for me when I asked why they didn't just raise my minimum payment. I checked my credit card account balances today and discovered that one was "currently restricted". I called the company to find out what that actually means and why it happened.

I was finally transferred to someone whom I could understand (Christy) and she told me that I had called earlier today and requested to "opt out". I have not spoken to anyone at Capital One since 2/22/10. According to her, I filled out a bunch of paperwork and requested that my account be cancelled, so the account is now restricted and the previous interest rate has been reinstated. I did not call them earlier today, and I did not "opt out". In fact, I had called last year to ask why I never received an opt out offer. They said they sent it and it must have been lost in the mail. At that time, they refused to let me opt out because the deadline had passed.

I believe that Capital One is now doing this because they do not want (or maybe do not know how) to list "forever" as the payoff time for the minimum payment. It appears that Capital One is getting more and more crooked as the days pass by. I thought that the credit card act was supposed to help people. So far, all it has done is hurt me. I am waiting to hear from Capital One's account manager who is supposedly going to call me back in 1-2 business days. I have a strong suspicion that I will be canceling both of my Capital One cards in the near future.

I obtained a Capital One rewards card for my business, which does $1.4 million in revenue annually. I was hoping to rack up some miles with that kind of spending power.

Unfortunately, the card came with an absurdly low $500 limit. My credit is absolutely pristine, and my income is good, so that didn't make any sense to me. I called and the representative told me that they would promptly review the account for a credit line increase. I put $500 on the card and immediately paid it off via EFT from my checking account. By immediately, I mean I did it within 24 hours. I waited a full week for Capital One to post the payment and release me to again use the card.

After a week, I called again and the representative contradicted what the earlier rep had said and told me that Capital One won't consider credit line increases for any account less than 12 months old. When I asked her why my account still showed zero available credit a week after the payment was posted, she told me that my account was "on-hold" because I had actually paid my bill so fast! I told her that I intended to use the card and pay it off over and over again every two or three days, because the limit was absurdly low. She snappily told me that my payments would be held for at least a week each time! I told her that made the card essentially useless to me and closed the account immediately.

I don't expect special treatment because of my job or my income but every consumer is entitled to quality service, not snotty representatives who lie. We're all entitled to prompt application of our payments. Stupid, stupid decision Capital One. I'll take my sterling credit rating and purchasing power to a company that treats me the way I treat my customers, with respect.

I became ill in early 2009. I was in the hospital eight times. I am on disability and make $978 a month. I have faithfully been making $50 a month but with their finance charges of 29.7% and other charges, I owe more than I pay and they will not work with me. My credit is getting ruined and I'm getting further in debt.

I have a Capital One credit card which I used more often, but lately, I have kept it as a backup card because they jacked up my interest rates from 8.9% to a whopping 17.27% for no reason! I have been with Capital One for over four years and have an excellent credit history. I have never been late on a payment, have a credit score in the 750s, and have a steady source of income.

When I called to ask them to honor the rates that they are offering new customers (11.9% variable, which is still high), I was told that they are unable to lower the rates at this time. I then asked if my account could be transferred over to become a 'new account' to take advantage of the 'better' rates. I was again told that they would be unable to do this. The only option I was told was to close the account and apply for a new card.

Let's analyze this for a moment. Here you have someone who is credit worthy, a good customer, etc., and they are turned away for reasons that have nothing to do with them. I understand that there is a high default rate these days, and credit card companies need to protect themselves, but this is not the way to go about it. I understand that hindsight is 20/20, but if you wanted to protect yourself, you shouldn't have extended credit to people who were clearly unable to pay it back.

You make money when people pay back with interest (principal and a reasonable 7-10% interest), not when you charge 17-25% interest and have default rates of 10.4% that keep rising and you get calls from credit consolidation and default agencies that give you $.30-$.50 cents on the dollar. Please don't make me pay for your stupidity.

Another caveat: if I close my account, it can affect my credit score because it will reduce my outstanding credit available, as well as my number of years with that line of credit open. Maybe that's what the banks want--people who are creditworthy to have lower credit scores so that they can charge them higher interest rates when they apply for new cards.

Please help, I am at the end of my rope. On Feb. 5, I call Capitol One to close my account and pay off the entire balance. Tyler told on the 6th everything would be closed. In other to do this, I had to pay about $3.58 over my balance to close it out completely and it would close the next day. A week or so later, my account was still open and through talks with Debbie, she stated he made a mistake and as soon as the account was refunded it would be closed. Linda (am a manager took over and said it was the system to blam and she couldn't do anything. When I said she should top blaming the system, she hung up on me. At the time she was currently writing the check out and the account would close in days. It was the system to blame and not her and that Tyler had lied to me about the extra amount needed.

Over a week later, the check came but the account remained open. Now as I look tonight, I have a new balance due of over $10 and after speaking with Megan another manager) she said, they may have lied in the last but she was for surely not lying that she would remove the the fee but it would take a month for it to clear before the account could be closed. I want out of this bank that has no regard for its customers. I have done my part several times over and I am tired of charges that should not be made after the account should be closed.

This is an abuse of power on their part. With balances on my account, they cannot close my account. I am finished with company. I also feel that they are using me. I have been a loyal card holder for years and deserve to be treated as such. I know they are losing people due to knew credit card rules and this is the last way to try and keep them. Please help me. I have no other excuse besides a lawsuit for harassment, and unnecessary stress and harassment. Stephanie also seems unwilling to address any concerns as to how my account has been hijacked by Capitol One to do whatever they feel they can to collect more money from the struggling consumer.

I activated a card. They told me I was all set. I asked if I could go to ATM to withdraw funds. The answer was "Yes, you're all set." I went to the bank. I was declined. I called Capital One. I asked what the problem was. They replied it was too high of an amount for first time use. They canceled the card. Their slogan is "no hassle". Well, all I got was a lot of hassle. I tell people, don't apply for Capital One. You will be hassled.

Capital One has started charging interest on my purchases from the date of purchase, which is just greed beyond belief. I always paid my balance in full every month to avoid paying interest. This new way of ripping off the consumer is in addition to the 2.5% to 3% they charge the merchant who accepts the transaction. I have cancelled both of my long time Capital One credit cards as of today. I will cancel all other credit cards that pull the same stunt. I would advise everyone to cancel any credit card account that is abusive to you, and that is most of them.

Pay by check, cash, or don't buy. Capital One hurt themselves, not me. Fortunately I am in a position where I don't need Capital One credit cards. They need people like me, whom they will be losing in droves. The only accounts Capital One will be left with are credit card customers that become charge-off accounts. No one with good credit and the ability to pay in full each month is going to put up with this greed.

Washington has not gone far enough to regulate these greed, and I suggest that everyone write their State Senator to complain that more regulations are needed with the banks and credit card companies. I will never do business with Capital One again, and will post on as many sites as possible, and let others know of the usurious and greedy practices of Capital One. Avoid Capital One like the plague.

I have been a loyal customer of Capital One for about 3 years. I use them because my interest rate was a low 4%. I have transferred balances from other cards to consolidate my debt and pay it down responsibly. You could imagine my shock when I went online this month to pay my bill and found that my minimum payment had more than doubled because my interest rate went from 4% to 14%. There is also a warning on my statement saying that if I fail to pay on time, I will be charged a $40 late fee and my APR will go up to 30%.

When I spoke with Capital One they told me that I was sent a letter a year ago explaining that my "promotional rate" will be ending in February 2010. I never received any letter informing me about this change, and was never on a promotional rate (4% was my rate for almost 3 years). In my opinion, if such a letter was ever sent, it should have been sent registered mail, to ensure customers genuinely received it. If any such letter was sent, I suspect it looked like an advertisement rather than an extremely important letter.

Furthermore, I was under the impression that these whimsical rate hikes were illegal following the new legislation. When I spoke with Capital One they explained to me that the decision had nothing to do with my payment history (which was on time) but that it was a business decision because in the current climate it is risky to lend money. I was not a risk to them before they hiked up my rate. Now I am, because I cannot afford to make the new minimum payments.

I have since learned that Capital One received over 3 billion dollars in bail out money from the federal government. This rate hike is unjust, immoral and a gross abuse of power. I have also learned that the new laws go into effect in June 2010. It's legislation like this that allows these companies to stick it to people while they can. The bottom line is that they increased the rates now because they know that once the new law goes into effect they can't change the rates.

I called to find out the payoff balance, and I sent them the exact amount via EFT. And then, I got another bill a month later indicating I owe $76.75 in interest fees, even though my balance is a zero. Interest rates jumped to $15.90, despite sending more than minimum payments for several years, and they are now charging interest on a zero balance!

Capital One increased my interest rate to 17.9. When I inquired why, I was told that it was because of the bad economy and they could change it anytime to anything as long as they sent out notification. I have never been late on a payment and always pay more than the minimum. Whatever happened to customer service in this country? Whatever happened to being appreciative of good customers?

I have been a customer for 13 years! They raised my interest from 14% to almost 23%. It has nothing to do with how long or how you paid your bill. I have never been late or missed a payment in 13 years. I always paid more than the minimum. I have charged my card up to $6000 and have paid it off 4 times over the years. My balance is up to $4500 right now. I would have never charged that much if I knew they would do that. I called and she basically told me that new customers could get lower rates and some 0% interest but all other customers with or without good standing would have an interest hike. I said fine, move my balance to a new card. No, she said there was nothing she could do and yes, I heard all about the ** letter. They are the scum of the earth. If only we could get a news magazine to expose these people for who they really are, that would be gratifying!

Last year, my interest rate from Capital One was 9.4% on purchases. I did receive a letter with an option to opt out from my credit card in April 09. I did opt out and closed my acct. In February 2010, Capital One doubled my interest rate to 18%. The many times that I called them, I was told there was nothing they can do. Is this fair? My acct. was closed for over a year, and they still doubled the interest rate. I hate Capital One, and I suggest to everyone who is thinking about opening an acct. to think a million times over before doing it. I have been unemployed for over a year now and have been struggling beyond my means to pay Capital One. Now that the interest rate has increased, It will take me many years to pay them off. Does any one have any suggestions for me?

I have been a credit card holder for Capital One for approximately 15 years and have always paid more than the minimum amount due and owing on each of their statement. Capital One credit card statement ending January 21, 2010 stated, "As previously disclosed, your promotional rate will expire soon. Please remember that beginning in January the rate that will apply to balances subject to the Purchase and Balance Transfer rate will be a variable rate. As of 11/25/09, this rate was equal to 15.9%."

I was never notified that my rate would increase from 4.78% APR to this rate. After speaking to Capital One representative and then to her manager, Shelly, I was informed that a letter had been mailed stated the rate was going up. I am sixty-two-years-old and have always taken care of my debits. No letter was received stating that my interest rate would increase to 15.9%. Shelly, the manager, would not even talk to me relative to closing my account and keeping the old interest rate of 4.78%. They will say it is a "promotional rate". Believe me, if I knew that rate was going up, I would immediately close the account. The highest rate of interest that I have paid within the last twelve months (12) was the 5.9% which was for February through May 21, 2009.

The balance on my Capital One card was from a courtesy check that they used to solicit me to transfer balances from other cards. The interest rate was 10.9% and was supposed to be good for the life of the balance. I took this to mean that they could never raise my rate unless I missed payments or defaulted. They have increased my interest rate to 17.9% saying that the 'promotional' rate had expired. I've always paid more than the minimum and was never late with a payment.

Annual Percentage Rate (APR) interest rate went from 9.79% to 17.90% on February 23rd 2010. Account paid everyone on time. Spoke with a representative on the 17th at Capital One was told my rate would not change. As a result, monthly payment will be difficult to make, I will not make future purchase with this card. It will take a lifetime to pay off. Now if I close the account, it lower my FICO score, I won't have available credit if needed as in the past. Punished for paying my bills in time. "Thank you for calling Capital One you have been a great customer." If so then put my rate back down. Economic damage. There will be another downward spiral that will result from millions more upstanding citizen not being able to make their payments and lose even more. Not to mention, no more donations to the elected officials who let us down.

The balance on my Capital One card was from a courtesy check that they used to solicit me to transfer balances from other cards. The interest rate was 10.9% and was supposed to be good for the life of the balance. I took this to mean that they could never raise my rate unless I missed payments or defaulted. They have increased my interest rate to 17.9% saying that the 'promotional' rate had expired. I've always paid more than the minimum and was never late with a payment.

My story is the same as others responding to the interest rate hike. I called Capital One today, and I explained that I am paying more than minimum and that is all I can afford since I live on social security and over 70 years of age and that not to expect more than that amount. My monthly minimum went up $79.00. I wish they would stop saying "I understand" when they do not have a clue and "I'm sorry" at the end of each sentence.

Now, I will be accumulating late fees each month which will affect my credit score. I was told that after a few months, arrangements can be made; and I was given a 3rd-party debt agency phone number. But by that time, the fees will have added up and I will be in over my head. It is easy to say you can opt out, but if we could have paid the account in full, "opted out" of course we all would have and there would be no need for credit cards. Thanks for letting me vent.

Credit card hell is aptly named. I wonder if the top execs will be receiving a mega bonus again. Since I am continuing to pay the $200 a month (over the monthly minimum), monthly the late fees will add up and my credit score will be affected. Also, my peace of mind will be gone watching the process spiral out of control.

I received my credit card statement this week, along with the notice about the changes that had been made to it to meet the requirements of the new credit card act. The section that explains how long it would take to pay off the balance if you just made the minimum payments each month was missing, so I called Capital One to find out why. The first person I talked with, Kim, wasn't sure why it wasn't on the statement, but she was able to tell me that (according to their calculations) I would "never" be able to pay off the balance.

I already figured that was true, but I was shocked that they would actually admit it. She transferred me to Marie to see if she could tell me why this information wasn't on the statement. Marie wasn't sure either, but she said that their records showed that it would take "forever" to pay off the card if I only make the minimum payment each month.

Eventually, I spoke to Teresa who told me that it wasn't on my statement this month because the statement was issued about week before the credit card act took effect. Several times during the three conversations, I asked why they didn't just raise my minimum payment so that I would eventually get it paid off. I got several lame excuses, but I guess we all know why they don't do that. I guess I should have been mad about the whole thing, but it was rather amusing. I'm paying huge chunks off of all my cards this year until they are all paid in full. I'll keep my credit union card, but the rest are going to be cancelled. I think we should all get out while we still can.

I just opened by Capital One Credit Card as I do every month at this time to pay, I always pay more than the minimum also. My interest went from 4.82% to 15.90%. I called and spoke to Vans, employee #GNC016 and she stated, there was nothing they could do, that I should call back from time to time and see if they might could help me.

I stated that it would be better to move my low amount owed to another card with lower interest and she stated she thought that was exactly what I should do, because Capital One not able to negotiate the rate, been with Capital One for years, over 15. I asked to speak to her supervisor and she reluctantly gave me to someone else, and he stated I received something over a year ago, that stated I was to call a toll free number and could have opted out of this rate, but my card would have been closed.

So basically I asked him, Capital One wants you to either close your account or pay much much higher interest, he stated there was nothing Capital One could do. January a year ago, Chase tried this and got sued, I hope someone takes on Capital One. I will be paying off my account as they wish to not have customers that use their service and pay on time and more than the minimum. Thanks a lot Capital One. Interest Rate raised 11% that states a lot, when I am a public servant and work for the State, we don't exactly make that much money. I have been there for 20 years and have 2 kids in college, that I pay for. That 11% may just keep my kid from college.

Overcharges for over limit and past due fees accumulated amount of approximately $1570.00, when the initial amount owed was below the credit limit of $800.00. Capital One charged the amount of $110.00 per month claiming $39.00 past due fees; $29.00 Capital One Membership fees; $39.00 over limit fees including finance charges of $40.75 to $40.00. Periods of unemployment occurred and only minimum payments were made. Despite these payment, Capital One attached over limit charges on past due, member fee and over limit, and also demanding payment not on product/purchases, but on over limit, past due fees and finance charge. Capital One Bank received $3.65 million in economic bail out from the federal government. I am asking for a bail out forbearance or an agreement to pay the maximum of $300.00 as a settlement offer in this matter as a relief to this debt demand. Please help me in this matter to consult with them. Thank You.

Capital One CC. My rate just went from a 10.9% fixed rate to a 17.9 VAR% rate. I called them and they refuse to work with me. I have been with them and paid on time for 5 years. Other CC sites have them as being one of the lowest CC's you can find at 13.9%. They would not even give me that rate. ASAP I'll be ending my relationship with them and will never do business with Capital One again! This is going to cause economic hardship for myself and my family.

What a mess! It was my understanding that the legislation changes to credit cards was supposed to help the consumer, not hurt us! In one month, Capital One raised my interest rate from 12% in January to 22.9% in February. This is just wrong. In speaking with the representative, she stated the reason is that lending is harder and spending is down. Oh well, the slump in the economy should be shared by all.

These high interest rates are paying bonus to their employees. I am currently unemployed and have been making it a priority to keep my credit in good standing. I have been a loyal customer with Capital One for over 15 years, paying on time, more than the minimum due, and although the interest rate has gradually increased over the years, this one really angers me because it has doubled. I was told that it had nothing to do with my payment history and that I was a good customer. They did nothing for me however, and said I was sent a letter to opt out over one year ago in February 2009.

If I was a day late on the card, they would be calling me on the phone and charging a late fee. This major change deserved a phone call. Who remembers a bunch of junk mail with small print, with a bunch of legal jargon over a year ago?! This is deceptive practice and Capital One should be held to account. This is really taking advantage of consumers that are already struggling. I have elderly parents that I bet missed this transition too and they are on fixed income. Something has to be done to stop these unfair practices. What I had budgeted to pay off the end of the year is now going to take much longer. This is ridiculous!

Recording the conversation, I told Capital One that I am unable to pay any additional monthly payment from 2 months ago. I am currently making $20,000 less than I was 2 years ago. I explained to Capital One today and 2 months ago, changing my rate from 6% to 15.9% is impossible for me to pay, this raises my payment from $159 to $247 per month minimum payment. Stevey said, "We cannot change the payment structure." He refused to put the old rate of November 09 back into effect. I told him that if a stress issue develops, that Capital One will be responsible for my health issue. I was told by Capital One that I am one of their longest holding card users.

My credit history today is in the high 700's. This episode today is going to change my future credit rating and my health. I told them it is impossible for me to pay them, that I would continue at the past rate. As of today, I told Stevey that I will not make any payments, that a collection agency will be in touch with me in the future, and I will negotiate with the agency that I will pay the balance of November 2009, that I will pay back at 6%. Is there anyone else that feels I am wrong beside Stevey of Capital One?

As I can see from all the posts regarding Capital One, I am in the same boat as all of them. Whereas Capital One, effective right before 2/22, changed my APR from 8.3% to 17.99% adjustable. It's outrageous. I've been a valued customer with them since 2002, paid my bill on time, have always paid more than minimum, and even when they reduced my credit limit from $15,000 to $3,400, didn't make a big deal about it. This is absolutely wrong. They too claim that they sent out a notice back in Feb 2009. I know with my other creditors, I received a notice to opt out, and I did just that. Had I received this, I would have done the same. Is there any way for all of us to bond together, and fight this battle out. This new act was supposed to protect us.

I always monitor all of my financial correspondence carefully, and save all TOS and the like that I receive. I have specifically been looking for notices of rate increase and changes for all credit cards I have, and have seen several, which I have filed. I have a balance on one card, Capital One, which, ironically, I used for legal retainers. As Capital One had sent no notices for rate increases (although numerous offers for balance transfers from "higher rate" cards), I kept the balance on this card with its 6.99% rate. My statement which closed on February 17, 2010, had a 17.9% APR, which on the new format bill indicated that the APR was based on the Monthly Prime plus a "margin which has been disclosed to you earlier".

I called Capital One to find out 1) when this margin was disclosed to me and 2) what the "margin" amount was. I was told over and over that a letter had been sent to me in February 2009 stating this margin. However, none of the representatives I spoke with was able to tell me what this margin was, despite their insistence that I had been notified. I said that I was able to access, online, every single statement from February 2009 until the present, and also that there's a "Messages and Alerts" section online, which contained no notifications whatsoever. I asked why it was that I was supposedly mailed a notice in February 2009 for a rate increase 12 months in advance, but nothing was made part of my online record.

I repeatedly asked what proof they could offer that I was actually sent such a letter, and robotic-like, was repeatedly told that there was a "note in my file". Nor was there an explanation of why a letter was sent but no online record in my account, while there are online records of all statements. She was clearly reading from some kind of script, and when I asked how to contact their legal department, was told, "We don't have one." I repeated, incredulously, "Did you just say that Capital One has no Legal Department?

Well, I'm quite sure she's incorrect on that count, I requested a copy of this alleged notification, and after being put on hold for a long time, was told that the letter had been requested and should be received in 14-21 business days. I have the representative's name and ID number (I had been escalated twice, so hopefully she was somewhat senior), and asked if my call had been recorded and was told it had been.

At that point, I repeated every point I'd gone over in all my conversations with various representatives, and asked her to verify her and Capital One's position on the issues I'd discussed. I also asked her to verify that there was a record of our conversation both on voice record and an online record in their system, so that it can be referenced at a later date. I'm sure they'll be able to come up with a letter stating I was notified of a rate increase, but I question if it wasn't in the guise of yet another offer of a balance transfer or otherwise deceptive notification from Capital One. In any case, a notification one year from the date is certainly deceptive if not downright illegal. I see there are numerous similar complaints on this site, so it appears that Capital One attempted to get a jump on legislation with their best customers. Go figure.

I've been a customer for over a decade, with no late payments ever. Of course there have been many times over the years when I've carried no balance, and with no annual fee, not provided Capital One with any appreciable revenue. I've been deluged with additional offers from Capital One the entire time I've been a customer - it was in fact one of these offers of "checks" that I used for a legal retainer for representation in a wrongful termination suit for my husband (litigation is ongoing). At this point, I'm looking at nearly triple the APR, with my only transgression being a good, on-time paying customer. At this point in time, I'm not in a position to pay off the balance, but hopefully may be able to do so shortly as our litigation proceeds to a settlement, so that I can permanently cease to do business with Capital One.

My rate increase went form 9.95 to 17.9. Like so many other people on here, I called to complain and received the exact same responses. I asked for the department I could complain to and this is what they gave me.

Fax: 888-259-3021

I suggest everyone write their complaints, maybe a message will be sent. In the meantime, I'm planning on paying my credit card off and closing it ASAP.

I have a Capital One credit card. I was guaranteed a zero percent interest rate on my balance until 3/1/10. My Feb. statement indicates payment due date is 3/14/10. On 2/24/10, I called to pay the amount due and I was told that if I paid the entire amount owed, I would still have to pay an interest charge from 2/17/10. I asked how that could be when the zero percent interest applied until 3/1/10 and the payment wasn't due until 3/14/10. The rep said Capital One charges interest in cycles and the cycle ended 2/17/10 and I should have paid the entire balance two cycles ago. I had no information regarding this policy.

I asked how would I know that when my statement indicates no payment due until 3/14/10. Rep just keeps repeating this is their policy. I called back twice thinking the previous reps must be wrong. But each time I called, I was given the same story. Under the Federal Reserve new Credit Card Rules, this practice is illegal. I had an agreement that I had zero percent until 3/1/10. The new rules indicate "No increase in interest rates for one year." My one year was not up until 3/1/10. I intend to dispute any attempt to collect interest charges and I will report this practice to the Federal Reserve, but I want as many people as possible to be aware of Capital One's misleading offers.

I was offered a High Yield Account by mail. They won't let me deposit or withdraw from the bank. And they have never sent me an ATM card, checks, or deposit slips, only a monthly statement.

My mom has a credit card and the interest rate went from 10.9 to 17.9. We (mom and I together on speaker phone) called last evening and pleasantly asked them to lower the rate and were transferred to supervisor Veronica. She asked what the card was used for, what kind of purchases (none of her business), if she had other credit cards such as Home Depot (relevance?), commented on how long she had had the card (since 1996), good payment history, etc. At that point, I injected that the reason for our call, again, was to request a lower interest rate. She reminded us that the change in terms was to be effective 2/10 and we were notified (yes, agreed) and they would not change the interest rate because the change in terms had just gone into effect.

I asked for her supervisor. She said she was a supervisor. I again asked for her supervisor, at which point she transferred us to (ready?) some off-site transportation company where someone named Ian answered the phone and said he has nothing to do with credit cards. That was how this "supervisor" handled our request, by blowing us off and transferring us along to some outside phone line that had nothing to do with Capital One. At that point, we were on the phone for 23 minutes in total. I just gave up. I feel so frustrated right now I could scream. How dare them.

Capital One waited until the end, but like every other CC company, it jacked my rate up over 10% today. I keep good records and have my letter from January 2008 when they stopped my fixed rate and went to a variable rate (LIBOR + 5.050%). I had noticed on my last two statements the notice that my promotional rate was going to expire. I didn't take any action, because I didn't think I had a promotional rate.

When I called them tonight, they said they notified me in February 2009 that my rate would be going up this month. Correct me if I'm wrong, but Congress didn't pass the new consumer CC protection bill until May 2009. How did Capital One have it timed out to jack everyone's rate up three days before the new law went into effect? Did anyone receive this mysterious letter that Capital One claims they sent out in February 2009? I have no idea what to do next. I do know that I will pay off and drop Capital One.

Upon opening my account, we have had several problems with Capital One. To name the chief one, it would be a Guaranteed Lifetime Interest which does not exist. But to further specify the problems I have had with this company, I will just narrow it down to today's issue. I called Capital One because I had paid my balance off and was waiting for it to be closed. I went on the internet to check the status and not only was it not closed, it had a fees and interest charge on it. Well, I called customer service to find out why there was a charge when I paid the balance in full and was able to speak with a supervisor, David, who informed me that I would have to pay that in order to close my account. I asked why and he said it was interest. How can I have interest on a zero balance? He gave me some line saying that it was how the system is set up.

Well, we went back and forth because I didn't understand how I could pay a balance off completely only to be told that I have interest on a zero balance. David then began to talk louder and slower like I was mentally challenged and began to be sarcastic. Getting nowhere, I put my husband on the phone and David proceeded to get even more belligerent and rude. After several minutes of this, my husband asked to speak to his superior and was informed that he had none. Needless to say, we asked for his employee number which he gave us the call number stating it was his employee number. We informed him we would be contacting corporate. Once my account is closed, I refuse to have any more contact with this company. I think they seriously need to retrain their customer service departments. They are completely unprofessional!

Capital One raised my interest rates from 6 to 16% in February 2010. I did not think that was even legal under the new legislation. I was a loyal customer, paid more than the minimum and on time every month. I was told that it had nothing to do with my payment history and that I was a good customer. They did nothing for me, however and said I was sent a letter to opt out over one year ago in Feb 2009. Who remembers that or even if I really got such a letter a year ago? This is deceptive practices and Capital One should be held to account. I am paying off my account and closing it.

I have had my card for 4 years. I paid on time every month, more than the minimum payment, and in some instances, paid them more than once a month. Capitol One's answer to their good customers, hike the rates from 7% to 17% and assess an "interest" fee on February 18th. Thank you, Obama. School teachers, as you mentioned in many of your speeches, don't make a lot of money and this is the reward we receive for diligently paying our credit cards. Again, like the rest, I called Capitol One and there's nothing they are willing to do. Sounded like the woman was reading from a script. Yes, Obama, let's boost the economy by making it impossible for people to spend money now. I told Capitol One that the card would be paid off and then closed. I don't need this. Talk about usury rules. Wow, welcome to the new America.

For the last 4 or 5 years, my wife and I have each been getting envelopes in the mail, at least weekly from Capital One. On the envelope in bold letters is You are approved. Simply put, anyone could call or fill in the application. For fear of identity theft, last week I chose to call the 888 number to opt out of these mailings. To my surprise, the recorded message was from the three credit reporting agencies. They either give or sell your address to insurance companies and companies offering credit. I opted to have this stopped for 5 years. Is there some way this could be controlled? Your credit rating drops when your identity gets stolen, and the Credit Reporting Agencies, are the ones that are handing out your address freely. At least, promote this opting out option to consumers, it's easier than shredding all of your junk mail, and praying that no one steals your mail. Thanks.

I had two Capital One cards for 3 years. Between that time and now I opened a Discover, Merrick Bank Visa, Home Depot, Lowe's, Macy's, Amex and Chase Bank cards. My home income exceeds $120,000 a year. My Capital One cards had low limits of $750.00 and $1,750. My other accounts all have $4,000 to $17,000 limits. Keep in mind I had Capital One cards first. All my accounts are paid off end of the month. I called and explained I wanted to increase my limits. I explained limits are very low in relation to my other accounts.

I wanted to keep my Capital One cards and maybe close other because we travel every year to Cebu, Philippines and they have no foreign exchange fees but their credit limit is too low to bother keeping. Can they please up them to $4,000? I was flat out told no twice! To make matters worse I had to call twice to close both cards but they only can do one at a time! They lost my business. I'm a 3-year card holder with great standing and six-figure income. Go figure!

Boy, Obama really ** up allowing so much time to pass with the Consumer Protection Act. Enough time for credit card companies to completely ** the public. Capital One raised my rate from 9.9 to 29.4%! I checked and payment was received 10 days before due date. I called them and was told just like a lot of people they had sent a letter last February! So just before the act takes effect they raise my rate 20%? Great credit always on time, same old story. Just a completely greedy bank that just like a lot of others is putting the tarp money to good use. This economy will never get better with what is going on! They raised rate 20% which is just fraudulent and pure greed.

They make several arrangements for me to pay down my card balance, and every time I start to follow a program, they change the rules.They lie and keep adding to the already difficult situation. I will never be able to get out from under their balance the way they operate.

My wife and I have been with Capital One charge card for almost 20 years. Our interest rate went from 9.9% to 17.9% which is just in time to beat the Obama regulations. Too bad the Obama people were so naive not seeing this immoral act of greed coming. We now have nothing but contempt for Capital One. If I could pay off the cards, I would just to get rid of this disgusting company. I can tell you this; I will never ever deal with Capital One again. I will warn everyone I know what a despicable company this is.

Capital One just raised my interest on my card from 8.4% to 17.9%. They sent me notice of change in terms in january of 09. But it wouldn't take place until Jan 2010. I could of opt out by April 17, 2009. I did not. I wanted to keep my card and I knew the new credit card rules should help me from capital one raising my interest. Well SEC 171 subsection (b) was used to get what capital one wanted. However, my concern is that the new rules did not apply until the president signed the bill in May of 09.

I don't see how capital one can raise my rate in Jan of 2010 when the new rules were in effect. They state that all retroactive rates are banned with few exceptions. They do not affect my situation. Had they said they were going to raise my rates after the bill was signed into law then I could of understood what my rights were and would of opted out. I thought the new law on credit cards was going to stop me from getting my credit card rate increased. I called Capital One and asked to opt out now and they said I could but it would be at the higher rate of 17.9%.

I refused to opt out and have contacted my senator and the department of federal government that oversees capital one on gov rules and regulation. I hope that capital one gets what they deserve. A lot of people are fed up with getting bullied around. If they can raise my rate during a time when they should be lowering it because of the economy and they ignore the government and the bill signed into place then they have a lot more power than they should. I am trying to get my 8.4% interest rate back. Oh yeah, they changed my purchase rate to a "promotional rate", there must of been something behind that because they did it before they raised my rate. If they really were concerned about the economy they would lower all card rates.

I have had a Capital One Card for 4 years. My rate was 9%. This month, it went up to 18%. It doubled. It took 3 years to get it down to 9. I called and they said 18% is the lowest they could offer (like it was a favor), and this is a business decision on their part. There was nothing they can do for me, and they have done this to many customers, without a review. A year ago I was given a letter. If I didn't opt out, it's too late. I'm anal about reading my mail. I received no such letter. Within 6 months, I'll go into the red with the interest rates this high. I have no choice but to do everything I can to get Cap. One out of my life. Given the stories I've heard when you don't cancel with them, fraud happens, and they find other things to surprise you with, and charge you for, I will cancel and take the credit score hit.

According to the customer service person I talked to today, she plans to tell every single person there is nothing she can do. They got their letter, and now it's too late, and that people are lying when they say they didn't get it. What an interesting way of doing business, forcing people to not do business with you. Are they vetting out people whole carry balances, using that to get as much money as possible from them? Why should I pay for their business issues especially with a credit score in the high 700's, whatever that means anymore. My credit score was threatened. I will need to leave this credit card company as soon as possible, to not cause going in the red. They've backed me into a corner. I will need to cancel, because now, I do believe the stories, that if you don't, they will keep trying to steal from you.

I purchased an aid premiums for "credit protection" on my account for several years to protect my credit in case of job loss due to disability or when I became disabled and unable to continue working. I tried to get them to activate my insurance, nothing. They have libeled, slandered, refused to activate the insurance, caused my credit score grievous harm, probably irreparable. I looked into and found it's common for them to do this to elderly and/or single women a lot!

I have had a Capital One Bank Credit Card for several years. In April of 2009, I closed out this card, with a balance to be paid off, and an interest rate of 10.99%. I was told the interest rate would not change during the time it took to pay off the account since I had closed it. Last week (February 12, 2010), I received a statement and they have taken my interest rate up to 17.99% and significantly raised the minimum payment due. I have never missed a payment or been late with a payment so there was no cause on my part for this action.

I called them and the customer service people were like robots. They insisted I had received a notice from them 10 months ago and that I had until July of 2009 to respond to prevent an interest increase. I save all my correspondence from credit card companies I deal with because of situations such as this. There was never any such correspondence. I talked to two different people, both of whom said that since I didn't call by July 2009, the interest increase that just showed up on my credit card could not be reversed.

This company is engaging in what I believe to be illegal practices, certainly immoral ones. I would like to see them investigated. I would be happy to provide any information to an attorney investigating this. I encourage all consumers who have accounts with this bank to close them, and all consumers receiving solicitations from Capital One to discard them without responding.

I called in to have my interest rate lowered because of a few late payments it went up. I explained to them that with the new laws going into effect that once someone files bankruptcy, they will no longer receive anything. So in order to keep my business, I was requesting a lower interest rate. Three representatives later they still refused due to their computer and they said they ran a check and nothing was available for my account. Well, I didn't ask them to check for offers available for my account and I know that there is a way to lower the interest rate, so now they are two account holders short of what they were when I called. It is just frustrating not being able to speak to someone that I can understand and I know cotton picking well that they can lower the rates as they please.

I have been looking for a class action suit against Capital One for a long time. The first time I searched for one was 2004. I paid capital one 9.99 a month extra on my credit cards for payment protection for years. This was supposed to cover me in the event that I went unemployed. The agreement was that Capital One takes over the minimum payments during this time period so my credit rating would be in tact. I also paid $1800.00 into a security funds account. This was to increase my credit limit on the cards. In the event that I ever closed my accounts with Capital One, they promised that the $1800.00 of my money in the security funds account would be returned to me.

When I fell into hardship and became unemployed, Capital One did not honor their end of the deal. They kept sending me all sorts of paperwork to fill out and requests for different items like letters from employers, etc. They promised that once I had the papers in tact, the account would be retro-actively credited back to the very first day that I went unemployed. (I also made various payments in that time frame even though I could not afford it to try to stop the charges they kept adding on to my bill. They pushed me over the limit with their charges and started adding both a $29 over the limit fee AND a $29 late charge). All the while I had called them constantly trying to rectify the situation. I filled out that paperwork three times because they kept pretending they did not have it.

I was unemployed and they promised me protection; protection that never came. So they stole my $1800.00 of security funds money to use however they saw fit, and completely ruined my credit. No one had a suit going back then and I was so upset and frustrated that I gave up. Things went downhill. Periodically I tried again to come to an agreement with them but to no avail. Now, they just started garnishing my wages sometime in late fall 2009. Can anyone help me? This is wrong and they shouldn't get away with their criminal acts and violations. I can't get a car loan or another credit card or anything.

My credit got destroyed, my wages are being garnished (probably illegally). I have endured years of stress and upsetment over this. It has impacted my ability to move forward with a new credit card, to purchase a decent car, and so on. I did everything they asked me to. I paid and paid and "jumped though hoops" filling out their papers and trying to get them to fulfill their end of the arrangement but they reneged. Their complete and total failure to be an honorable reputable company has resulted in me not even being able to have a checking or savings account without them trying to freeze it and steal more of my money the they already stole. I noticed when I searched this year that there are several class action suits going on involving thousands of people who experienced a similar or exact interaction with these thieves. I need to have this repaired. Any help would be so apreciated. Thank you for your time.

Help, help. Capital One is doing fraud. From 8.9% interest, it went up to 17.90%. I have never paid late this credit card, and I was paying the minimum. With this new rate on the interest rate, I can't even pay the minimum. Help please. These people from Capital One are trying to take advantage of thousands of Americans. This is completely illegal.

They said they sent a letter in the mail about in February 2009, and I had been living in this place for over 2 years and never received such a letter. I called customer service and waited about 45 minutes, and this supposed manager was really rude and did not care about anything. There is not any proof of the letter they sent.

These people want to make money no matter what! This is an abuse. Capital One is doing fraud. I just had a baby girl who was born a couple of weeks ago. With this increase, we are going to suffer, since I've made a monthly budget. I cannot afford the payments for this card with this new interest rate.

I checked my credit report in January and found that someone had my address changed with Capital One. I contacted them and told them that I still reside at the original address and have never moved, so that my address was fraudulently changed. Whoever had this info changed requested new cards on a closed account and got them along with some checks and charged up over $6,000 before Capital One put any restriction on the account.

They negligently changed my address and phone number contact info. Also, they let the charges continue on an account that had been closed for 5 years without ever verifying the changes. I did get copies of all activity and checks written on this account, and the signature on the checks is not my wife's.I sent them a certified letter stating this is fraudulent but have yet to get any response from them.Their customer service reps have been rude and nasty with me and told me that I am basically a liar. All they want is for me to pay for charges that were fraudulently made. They do not care about their customers; all they want is money.

I have had a Capital One credit card for many years. The interest rate has been 4.99% for several years. Today, 2/16/10, I received my statement and interest rate has increased to 15.9% ! I received no notice of this, so immediately called customer service. I was told by the representative that there was a change in terms sent out in early February which increased my rate. I told him I never received it. He said it was too late to opt out of the changes. I then asked to speak with a manager who came on and had the nerve to allege that there was a change in terms sent to me in February 2009! As if!

And that I had had until April 2009 to opt out of changes that were to take effect February 2010! I never ever received this alleged mailing and told him so. He did not care, just said it was too late to opt out. This is absolutely ridiculous and I doubt it's even legal! Are we really to believe that a credit card company will send out a change in terms one year in advance? My rate was not a promotional rate. It was tied to Libor and was 9.9 for a long time before going down to 4.99. I cannot understand how this can be allowed. Does anyone know the regulations regarding these changes? Or who to complain to about what I believe is a gross violation of my rights? thanks

I was charged a $59 "Membership Fee" by Capital One on a credit card with a $550 limit. That's over 10% on any available credit! In the past, I was able to have this fee waived, but today, I was told by customer service that Capital One has decided not to waive these fees in 2010. I used to have a second card (account) from Capital One, and was charged the same fee soon after paying off the card. At that time, they claimed that because I had waited more than 30 days, they could no longer waive the fee, and I had to close the account in order to get the fees waived. This time they gave me a different story; that Capital One has decided to waive any membership fees in 2010. The only consequence to this fee being imposed is that it will take longer to pay off this card and close it than it did the other Capital One CC account I closed earlier in the year. What a rip-off!

On December 21, 2009 I decided to take advantage of a balance transfer offer that Capital One had that stated it would be for my existing purchase rate, which was 3.40% and no fee. The rate I was paying on the other card was 6.99%. I was told by Capital One that the rate was locked in. When I received my next statement from Capital One, the rate is now 9.9%. They told me I was notified a year ago that my rate would change (which I was not). The person I did the balance transfer with also told me it would stay at 3.4%. When I spoke with Capital One today, Melisa (ID number **) offered to give me a $50.00 credit for this false information. Please note: my credit is excellent and I have never been late with any payment, and always have paid much more then the minimum payment. I can not afford to pay off this card which now has a higher rate than the one I transferred from and I currently have no offers to make a transfer.

I have had an account with Capital One for over 5 years with no complaints. In April of 2009, I received a letter from them telling me that in January 2010, the interest would be going from 14.99% to 19.65% plus the prime rate. On page 4 of the pamphlet they sent were instructions how to decline these changes. I had until July 28, 2009 to make my decision. On May 22, 2009, I called and closed my account. According to the pamphlet, I was to pay down my account at the existing terms (14.99%). Also according to the pamphlet, my account would be permanently closed and if I wanted later to continue with Capital One, I would have to fill out a new application for a new card.

On February 9, 2010, I received my January statement. The interest was 22.9%. Checking back through my statements, I found that in September 2009, I was charged $59.00 for a membership fee, which I did not authorize. I called the number on the statement to get the problem straightened out. Each time I called (3 in all), I was connect to someone I could not understand. It was as if I was talking to a double talking Hindu lawyer. As near as I can tell, they told me my account was on suspension to close and was subject to rate increase and I could use my card anytime I wanted to. This was not what was in the pamphlet they sent me and what I agreed to. What can be done to get this matter straightened out?

As many thousands of Americans having economic troubles at this time, I contacted Capital One for a loan modification of my mortgage. They sent me the forms and I submitted them with all the required information. 5 months later and after many phone calls, they indicated my request was declined. Despite that, they offered me a 6-month forbearance plan to bring my mortgage payments up to date and review my request for a loan modification after my loan was up to date. Of course, the plan has additional interest, charges and fees which I had to accept due to the circumstances and to avoid losing my home.

I, as millions of Americans, have lost faith in the American banking system as it has proven over and over again to be taking advantage of the American people. They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh, by the way, I have not defaulted on the forbearance plan.

As many thousands of Americans having economic troubles at this time, I contacted Capital One in for a loan modification of my mortgage. They sent me the forms and I submitted them with all the required information. 5 months later and after many phone calls, they indicated my request was declined. Despite that, they offered me a 6-month forbearance plan to bring my mortgage payments up to date and review my request for a loan modification after my loan was up to date. Of course, the plan has additional interest, charges and fees which I had to accept due to the circumstances and to avoid losing my home. I, as millions of Americans, have lost faith in the American banking system as it has proven over and over again to be to be taking advantage of the American people.

They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh by the way, I have not defaulted on the forbearance plan.

I called Capital One customer service when I noticed a jump in my interest rate. I was told that a letter was sent out in February 2009 giving me the ability to opt-out of this interest rate increase by closing my account or accepting the interest rate increase and keeping my account open. This increase was to take affect in February 2010, because I was such a good customer. The problem being this letter was never received by me in order to opt-out, which is what I ended up doing with my other credit card. Three people told me that my opt-out option had expired, and nobody could change my rate. There was no other option. I asked could they prove that this letter was actually sent? They said it went out first class mail, no tracking number or any other verification was available. Can they actually tell me that my opt-out option expired when they can't even tell me if the letter was actually received?

This doesn't seem fair. It wasn't like I am waiting and let this go months with out calling. I called the day I saw it on my account online. I didn't even receive my paper statement yet. Just because of the economic environment, they have the right to raise rates for no reason? Especially on good customers, see as I stated above they gave me year with my old rate. I tried to continue to talk up the chain, but I finally was told if I needed to escalate my complaint any further, I needed to send a letter, and if I wanted proof if it was received, I should send it certified mail.

I think that the credit cards should have to show proof of delivery in notifications like this or give the customer one month to call in to opt-out. For the entire year not other letter, follow-up or warning was mailed or even stated on my statement. This whole thing seems deceitful. Luckily, unlike some of the other posts, every person I spoke to was pleasant; unfortunately they just couldn't do anything. Can we file a class action lawsuit? We have to be able to do something.

I am writing because I made a payment arrangement with customer service rep, Noah, months ago to bring my balance current. He agreed to do so. All payments have been made timely. In January, I had no funds available and contacted Noah to date a payment a week after (work payday). He rudely refused stating that he went out of his way to make the original arrangement and that I should get a payday advance.

Last year, finances were bad and I had many advances. I am now barred and wish not to apply for more advances. I explained this to Noah and he rudely said it was he who went out of his way to make the arrangements. I explained that Capital One would only have to wait 7 days for payment but he refused to listen. I calmly explained that I want to pay this balance in full, I want to bring my account in good standing and I want to make payment arrangements but he ignored my plea and repeated "Get a payday advance or borrow funds".

I repeated that it was impossible for me. I asked him to work with me. He rudely refused. He transferred me to his supervisor who stated she had been listening to our conversation and that I had not made a good enough effort. She was extremely negative and abusive in her tone with me. I did not appreciate her attitude. I repeated to her that I wanted to pay the full amount but had to make payment arrangements. She refused to listen. "Get an advance and if you're rejected, fax me a letter". I stated that I could not get an advance. She not only interrupted me when I spoke but talked over me.

It is saddening and disheartening that the representatives have such a bad attitude. I really thought I would keep this account open after bringing it up to date (unlike my other Capital One account which I closed). I have now changed my mind and I will close this asap. Funds will not be available and will set me back with charges but the representatives do not care about that. They don't care about the impression they give clients of the company. I am very disappointed. Capital One did not bother to respond with an actual answer.

They sent me a generic mailing along with a collections warning. "Thanks for contacting us about your Capital One account. Due to the status of your account, we are unable to fulfill your request. Please give us a call at 1-800- so that we can help you with your request. Our Customer Service Representatives are available from 8 am to 11 pm Eastern Time, Monday through Friday, and from 8 am to 8 pm Eastern Time on Saturday and Sunday. Sincerely, Capital One Services, LLC Notice: Please read the following for improtant information. This communication is from a debt collector. "

Will not update credit and remove unverified, invalidate debt keeps opening closed charged off account reporting errors to Experian and TransUnion.

Last summer, I noticed my increased APR on my credit card after my initial period of 4.9% to 23.15%. After reading some of these other stories, I guess I should be happy with that, but I am not. What happened to the government stepping in to stop these thieves from the rape and pillage? I finally closed my account in October and keep receiving calls telling me to call in for my APR decrease.

When I call, I am told that they cannot do it. Three weeks ago, I was told that if I paid my monthly payment plus an additional $200 then give it 3-5 days to post and then call back, then they would decrease the rate. Today, I called and spoke with someone named Kelly who told me that there was absolutely nothing she could do because I closed my account. That it was frozen until September 9th of 2010 and then my interest rate will drop.

This is absolutely ridiculous. What kind of business is this? I see the "What's in your wallet?" commercial and want to scream that it is not their card! I will be finding a different card to transfer the balance to and never in a million years will I ever recommend this company to anyone I know, nor will I keep my mouth shut about their business dealings. They are thieves and scams. Note to anyone reading this, do not ever subject yourself to this company!

Capital One changed my interest rate as well from 4.9 to 13.9. Funny this increase made my balance go over the credit limit fee which charge was $39.00. I have complained to Capital One but they will not budge, told me to "close my card" and risk my great credit. Congress needs to act now and not only cap the rates in June of 10 but make them retroactive to what Capital One is doing now to their customers. Pure loan sharking at its best.

A letter dated Jan 25, 10 was mailed to me, Joseph, regarding temporary restriction on my credit card account. It stated that a return payment was posted to my account and to reinstate this, a valid payment must be made asap. My wife, Dawn, called our bank and talked with customer service and asked about this check and if it was it returned. After checking for several minutes and even verifying that at that time we had an average balance of $800, they could not understand what happened, nothing was returned.

I called Capital One and gave my wife permission to discuss this letter since she pays the bills and was told by the girl who answered that our account had been closed and we wrote a bad check. After explaining things and what our bank had said, she insisted we had wrote a check on an account closed. My wife then asked for a supervisor Val (sounded like last name **). He transferred me from one department to another and kept going over the routing numbers several times; we gave our branch number of First Bank and had the manager Mila get on a three-way call and confirm that our account was never closed and she had no idea what they were talking about.

Finally after all of this and a couple hours of wasted time, Val finally said okay I have located your check on my screen and see that you wrote it on 1-13-10 in the amount of $15 and it shows that your account was closed. My wife then asked for a copy of the front and back of the check and asked it to be faxed to us. It came over the fax with Attn: Dawn ** Copy of check to Capital One returned - closed account - Capital One (FAST) all written by hand. No phone number or fax to call back on the cover sheet.

We took it over to the bank and showed it to them and it was meaningless; it only showed the date it was deposited ,1-14-10. Capital One acct#0514XXXXX. In the meantime, our bank sent a letter to this address on First Bank's letterhead stating that this was never returned or closed. Val had said he would call around Tuesday and follow up and he never called. Now, they want a cashier's check or money order for $15, $39 return check, $29 past due. Important info we brought up to Capital One, we have two other Capital One accounts that were paid after this check, within a week that cleared with the same checking account.They could not give us an answer as to how these checks cleared?! This is very stressful.

I was getting a car loan and the dealership went through Capital One. They told the dealer I was approved so the dealer sent me home with the car. The next day I got a call from the dealer saying that they needed proof of residence. So I faxed a copy of my light bill. The next day then, Capital One said that was not good enough so I sent a copy of my house insurance. That was not good enough, too. So I sent them a copy of my bank statement and again, that was not good enough.

Then I sent them a copy of my car insurance and a copy of my car registration and my vote registration card and a note from the county that I live in so they said it was okay. Then 4 days later, they called me and said that they needed to get proof of residence still

My dad got this card in 08 and the balance was 950 and the rate was like 3.0% and he was paying 15 a month then in June, I made a payment for him over the phone and they said make a payment of 20 which was not the payment. Then, they said the rate went up and I was never told about the change, so as I continued to make the 15, they were not taking it. Making me have late fees over the limit and the balance grew to now 1400 and I wrote them emailed them and no one has seemed to help.

My dad has memory and poor health and these people didn't even care, said I had to get a power of attorney and my dad sign well in his condition. He can't so, what do I do? I don't need them to send him court papers. I said to lower the balance to where it was before and I can make 25 payments but they wont budge what can I do or who can help me because they seem to not care at all.

My credit card account with Capital had a balance of $1,200 when it was placed in a hardship in the end of 2008 because I became ill and subsequently unemployed. Since that time, because I missed payment in July 2009, interest and penalties incurred to the amount of $1,400 and was turned over to Alliance Collection. From there, it went to the law firm listed with more interest and penalties.

I am willing to pay the $1,200 but do I have to pay the additional fees totaling to $1,700? I was working part-time until I became ill with conjunctive heart failure and now receiving monthly income. I did attempt to pay and contact Capital One via the internet and continuously forwarded to Alliance and as time escalated so does the balance on the account. Please advise.

I was trying to sign up on paying my credit card bill online and I clicked on it. After filling it out, I hit enter and I am signed up to a credit report company for a 7-day free trial. I don't want that! I was just trying to set up paying my bills online and now I am messed up with this credit report company. As big as their company is, why can't they make things simple for people to pay online like all other companies? I am a very angry customer. Now I have to mess around and call to get this thing cancelled.

Prior to December 2008, Capital One called in regards to payment, however, they did not make my payment protection available to me by sending me the claim forms or making information available. In December 2008, I wrote Capital One and had asked them to only send correspondence in regard to collection that I was extremely ill, I had promised that I would pay the account off as soon as I got my disability. On March 2, 2009, I would write them again regarding the collection calls.

The damages would be credit report score due to not being able to use payment protection, harassing collection calls even after writing and requesting I have correspondence sent to me. The letter I sent in Dec. 2008 included doctor statements that I could not work. In March 2009, one of their collectors told me I was not ill. I also have records of times that they would call after collection hours or before.

I contacted Capital One in December of 2009, after I received their "opt out" letter, because I was 5 days delinquent on a payment. After 5 years of being a valued customer, they felt the need to increase my rate from 9.9% to 24.0%. According to the letter, I had the right to close my account and decline the terms of this letter, which I did to avoid a 13% rate increase done.

Today, I received my statement (in the mail) which I have always received online statements/messages/alerts with Capital One, with a new percentage rate of 17.9%. I called Capital One and informed them I opted out of this, closed my account and my original terms shall remain in effect until my balance is paid in full on or before 5 years from now, assuming I have no late payments, according to Credit Card Reform Act of 2009. The "account manager" informed me I only replied to the "Stage 3" letter so Capital One assumed I agreed to "Stages 1 and 2" letters so my rate therefore increased.

As I am talking to the very rude "account managers," Melanie and Oscar, they just keep repeating the information about the ridiculous letters and do not have any answers. Why, after 5 years of always getting online statements/messages/alerts, weren't these "stage letters" part of my online documents? Maybe so they can use the United States Post Office as a scapegoat for their deceitful actions.

Something has to be done about this. I called, opted out, so because I only called once to the 3rd Stage letter and not the 1st or 2nd (which I never received), I am still prone to the 8% rate increase? Why didn't they mention anything about this when I called on the "stage 3" letter? This is just sickening and gut wrenching that Capital One, to whom was handed a ton of bailout cash, can do this to their own consumers. Who do they think is going to pay back their bailout funds? Us (consumers) and we don't have a choice in this matter but they can continually rip us off and ruin our credit if we do not abide their terms/conditions.

Why do they get to bend and disobey the Credit Card Reform Act of 2009? Just wondering Capital One, did your employees get training on how to be so cold and heartless to their consumers? I am now going to have to pay 17.9% interest on a $7,700 credit card balance, which paying what I am paying now as a monthly payment and as a single mother of two is all I can afford only to be paying Capital One the interest on this account! All I want to do is get this account paid off and put behind me, but at this rate and these economic times in Michigan where no wage increase is expected in the near future, I am pretty much out of luck! Thanks, Capital One. Hope you enjoy your awesome vacations and unheard of bonuses! Hope you sleep better at night ripping off your consumers!

I have a Capital One account. The company had reduced my credit limit from 750 to 500. I am now being assessed an over-limit fee on my monthly bill. I can not seem to be able to resolve this issue with the customer account representatives and have been sent to "speak with my supervisor" and get nothing but dead air and I have to redial and go through the entire procedure again. Does anyone know if I report this to the three "credit sisters", I'll be able to get any resolution? Help!

I needed some cash for an emergency. I contacted Capital 1 for a payment extension they refused. I have never requested an extension before. I have never had even one late payment in 4 and a half years. I only owe 3 more payments and they would not process my request for a deferment. Some guys from India said "the system won't allow it" so much for their helpful, personal service. They've lost this customer, for life!

In January 2009, I had a problem with a payment of $852 not being applied to my account. My bank confirmed the payment was issued to Capital One. It took 4 months of calls and faxes for Capital One to clear up the problem on their end. Did they notify the credit score companies it was their error? Of course not!

Then I had to fight to get the late fees removed! In October 2009, I closed 2 cards I had with them because of the new fees. It took 2 weeks of calls to get them both closed. Lo and behold, today, I get a bill on one of the accounts for membership and late fees! 2 hours of being on the phone later, they said both accounts are now finally closed. Time will only tell!

Well, Capital One Auto Finance repoed my clients GMC Envoy. They stated that they didn't pay it off which they did. They have the copy of the cashed check and papers stating it was paid for. We took them to court and won the case. It has been 2 months and they are still waiting on a car. Meanwhile one of my clients might lose her job do to this and if she loses her job she will lose her nursing degree. They also have 3 young children, 2 in school and one 8 months old. My client is home with no way to take her children to the doctors or pick up her older children if they are sick. They asked me to put something on the internet about this due they don't want anyone to go through what they are going though. It has been to court many times and they still won't give them a car.

Capital One has illegally penalized my account for erroneous charges even after it resolved the issue. I was erroneously charged by a company who contacted Capital One and reversed the charges. Two months later, the same company re-charged my account through an unknown dispute, which I had no knowledge of. Capital One then re-charged my account pushing my account over the limit and then sent me forms to refute the charges. In the meantime, Capital One continues to reap over-the-limit charges.

This is a terrible company and I have spoken to them several times about erroneous charges. Capital One only posts its yearly fee when the account is low as to push the account over-the-limit and reap the penalty fee. I am closing my account with Capital One and will pursue this issue until all consumers are safe from fraudulent activity like this. In these economic times, financial institutions are attacking its consumers with fraudulent behavior and fees. As a member of a consumer group, I will not be bullied by Capital One and look to pursue this matter till the end. I have been charged over $500 in penalties in the last 2 years and my credit rating has plummeted resulting in personal and professional damage.

This credit card (Capital One) bank continues to mark my account "designated to close" when I called months ago and asked them to close the account. They even sent me a new card which I have destroyed. They continue to raise my interest rate and continue to raise the amount of my debt on cash advances every month even though I have not used the card since summer of 2009. I called today and asked them to close the account. They told me that they will not close it until the balance is zero.

The other credit accounts I closed in 2009, all froze the interest rate at the time I closed them. Why is Capital One allowed to raise rates on a closed account? It just doesn't seem fair to me. The rate is 21.44% which is very high on the cash balance, and my payments are applied to the purchases and very little is applied to the cash advance balance. So every month in spite of not using the card, the cash advance balance goes up. This cannot be legal or if it is legal this unfair practice should be stopped.

I only use this card when I go on vacation, so my attention to checking balances online only happens when I get back from a trip. I have had this card for about 8 years and have never had an issue. In November, I received a new card in the mail and was required to call to activate the new card. The customer service rep offered me a free special for a credit inform service offered by Capital One. Being the intelligent consumer that I am, I knew there had to be a catch and declined the offer over the phone. I was very clear in saying no.

In January, I receive a notice in the mail that I am past due and owe close to $50 on the account I had not used since August. I called Capital One to have the problem resolved. Nope. I had to call Credit Inform to be credited back first. I waited 5 business days, and I called Capital One again. Okay, fine. They reversed the late fees but not the finance charge.

Now, I have to wait another few days and then call another department to have this cleared up. I never signed up in the first place. I am afraid this will lower my credit score, and I have wasted time and energy getting this righted. It is ridiculous that Capital One is the one who signed me up, yet I am on phone call number 4.

I have had my credit card for over 10 years. I have always paid, but have had low limits. In 2005, I maxed out my limit of 1300 and have been paying it off since only to get nowhere. I have been unemployed in the last 1 and 1/2 years and could not pay in 9/09, and 10/09. It has been sent to a collections agency and I now owe $1600. I do not have the means to pay this and I am being threatened with legal action by the collections agency when I have tried to tell them all I owe is $500. Capitol One will not respond.

I was on payment protection from 2002-2007. Capital One was receiving payments from me when claim payment wasn't accepted before due date. Capital One was requested to close my 2 accounts. So I thought then I received bill with renew membership. I hadn't received new cards. I call and was told I still had a balance account and it would be closed. Without knowing, they didn't remove membership fee. It created late fees then over limit fee. I didn't know it was there and I was not receiving any bill. I was unable speak with someone on the phone.

So I emailed corporate and they send me statements that I never received before September 2008, even 6 months late payment. I have been in the same address for over 10 years. I was told mail request was my only communication with Capital One. I was told they sold my account in 2006, it's not their problem. So I asked payment protection and paid $657.04. I will contact the collection on my credit file and settle in dispute! I was told I could call that they wouldn't call that money is all Capital One. So I called and was told that I still have to pay and this will stay on credit until I do.

I had lost 3 jobs in the past 2 years, due to the economy. One job, is the one I have had for 16 years. We have been a Capital One card holder for years, and we were great customers. Times were hard, so we called them, and explained to them what was going on. They said that they would work with us. They did for 3 months. Now, we owe $5,000, and they told us that since we have not made full payments, that they are charging off our bill, and that they want payment in full or garnishment of wages, or a lien on our home. Now, they are still taking $180 a month out of our checking account for payment. How can they do this to us? These people are the most unprofessional people that I have ever dealt with. What do we do? I have been losing sleep because of worry.

A toothpaste fraudulently billed me twice. Immediately, I started disputing the charges. I sent all the required documentation. One minute, the dispute department claims my account has been credited; the next they claim they never received my evidence; then the next time they claim it's all taken care of. The whole process was supposed to be 45 days, which is has been. And now because of their constant mistakes, they inform me I have to wait another 30 days. I tried to close my account and they wouldn't close the account.

I can't understand half the words the employees are saying because their accents are so thick. I tried calling customer service for assistance, and I received no help. I tried to get help online and they just kept referring back to the dispute department and investigative solutions. I am being fraudulently charged and I can not get any assistance from the company that is supposed to be protecting me.

I recently requested a replacement credit card from Capital One because the one I had was worn out. They sent me a new one. I emailed them and told them that I had received my new card and what do I have to do to activate it. They emailed me back and told me the card was already active.

They sent me an active card through the mail. This is not good practice.

I tried to work out payments and they would not take it. And then another time, they keep asking for more proof of residence after I had sent them 4 proofs, and still not happy all because our county put in a new 911 address.

I got the Capital One card as a promotion to rebuild after BK in 2005. At that time the interest rate was 11.9%. I used the card for five solid years, paid as agreed, never over the limit and never late. I also got a shock and awe campaign. I asked them for an increase as in five years they never once granted me one. Upon reading my contract, it clearly states we are to have our accounts reviewed periodically or every four months. That means I have had no review and due 20 periodic reviews. I emailed them and asked them to increase my line credit from the set 1500.

They refused and said we cannot request an increase as it is performed by corporate during their periodic reviews. I then demanded a manager and explained to him I had been passed up for 20 periodic reviews and how could this happen. He referred me to customer service which can do nothing for the consumer but give you account info and take a payment. I then wrote Capital One 37 times about it in six months.

Not one reply. I maxed out the card and then demanded they grant me my due increase and reduction in my interest as I sure did not deserve any increase as I have never been late, over the limit etc. They would not budge. I then just let it go. If they come after me for it. Two more years file BK again just on them.

I have not been receiving my monthly bills. I checked my credit report to see that they have been charging me monthly, but not sending me a bill. It went from $400.00, the original charge I made, to over $1,000. Each month they keep charging me without sending me a bill. Not to mention the late fees are adding up as well. I have not received any billing statements from this company, yet they are putting this on my credit report. I have tried to contact them, but to no avail. I am disabled and am dying from NHL Lymphoma cancer.

I am under constant doctors care. I am on a fixed income of $600.00 a month. I am not able to pay this amount that Capitol One keeps charging each month. I have not received a bill from them. This has caused Post Traumatic Stress Disorder, along with panic and heightened anxiety attacks. Not to mention high blood pressure from worrying. I do not have the finances to pay all the amount they are charging. I am a senior citizen and do not need this hanging over my head.

I paid for payment protection with Capital, HSBC, Target, Bank of America. I paid into 7 years, they denied my claim. They screw up my credit. They need to pay me plus fix my credit. I want action!

I have 5 accounts with Capital One. I was paying online monthly only to find a couple of things occurred; 1) the money left my bank, but was not applied to my credit card until after the due date, 2) the company arbitrarily charged the monthly and/or annual fee which invariably caused over limit fees and late fees because the new over-limit made it appear as though payment was not made and 3) spiraled into raising my interest rated on all fees, thereby tripling my monthly payment and the cycle continues. Additionally, the company failed to properly notify me through the online banking choices I made to have notification received in proper amount of time and not sent to spam folder.

I have lost the benefit of the bargain. These are contracts of adhesion, which has threatened by ability to raise capital for my law practice and I have paid an enormous amount of money. Capital One has sketchy employees who do not properly credit accounts, document phone calls and actually sell private financial information to harass and abuse their position and power. These are organized criminals who work with financial institutions to divert money, not on the consumer level, but on the system level. Where is the FBI?

I had two cards with Capital One, one personal and one Corporate. When I moved, I submitted the change of address online. However, their system never updated this information and continued sending the bills to the old address. At the same time, I attempted to set up auto pay for this account and was told I would need to send out paperwork and they would send it to me. I never received the paperwork.

As far as the Corporate account, the same occurred when I submitted a change of address online, no bills arrived. Finally, after about two months, the post office delivered the bill and it was two months late. Since this account runs through an accounting department, I did not have any knowledge of this. However, when my accountant called them to change the address, a completely inaccurate address was submitted to the account.

Both of these accounts had to be closed because the liability of having a Capital One account is much too high due to their complete lack of efficiency and/or online services. If you are considering getting a Capital One account, I must warn you, it seems that they are looking to make a mess out of your credit. My credit score dropped and created much difficulty with other good credit accounts that I hold.

I fell behind in my payments to Capital One at the end of 2008 beginning of 2009. I explained to them that I would not be able to catch up until I receive my tax refund. When I got my tax refund, I contacted Capital One and the rep told me that I had two choices. First, I could close the account and they would wave the late fees and over the limit fees (I was only over the limit due to their fees) or secondly, I could pay the fees and bring the account current. I chose to pay the $1300.00 to bring the account current. Capital One cashed the check for $1300.00 and closed the account. I was attempting to refinance my mortgage and due to the closure of the account, my credit was adversely affected making it impossible to refinance. Then, my wife lost her job making it impossible to make the payments.

I contacted Capital One and explained the situation. I told them that I would pay the account off when I got my 2009 tax refund. Having dealt with them in the past, I also sent a registered letter explaining the situation which I have receipt to prove that Capital One received it. Capital One reps contacted my father-in-law in an assisted living center and questioned him about the account, my wife and my status. My father-in-law has nothing to do with my Capital One accounts. They also contacted my sister-in-law with the same questions and she too has nothing to do with my Capital One accounts. I am not trying to hide from their calls and do not understand these attempts to collect money from people not involved other than to harass and embarrass me in front of family members.

My father-in-law had a panic attack due to their contact. I have read the Fair Debt Collection Practices Act and I can prove that Capital One has intentionally broken several provisions within the act. If they have done this to me, this must be their accepted practices. What legal recourse do I have to stop them and/or sue them for illegal practices? How did Capital One get the phone numbers of family members who having nothing to do with my accounts? I was unable to refinance my mortgage. Capital One has harassed family members who have nothing to do with my accounts. Capital One has contacted me at work using fictitious names

I had arranged for a payment plan with Capital One. Three payments of an amount that I do not remember at this time. I paid the first two and on the third one, I called them a day late. They would not budge and said sorry, they couldn't help me. My original limit was $500 and now they are trying to get almost $1500 out of me. Not going to happen.

They could not even show a good faith gesture as I had made the first two payments on time. Now they want three times the amount? They are insane if they think they will get that from me. I should have never opened that account after the numerous complaints about them. I'm seriously considering taking them to court. I am now in collections for an absurd amount. Should I need to purchase a new car (mine is almost 10 years old), it will be very difficult.

I have had two accounts with Capital One for several years. One, I paid in full. The second, I was paying on a monthly basis. There was occasionally a charge on my statement listed as Membership Fee of 59.00 and some other monthly fee of $6.00. I contacted Capital One by letter along with my payment and told them that I was no longer using the card, that it was destroyed.

I was simply trying to pay off the balance due on the account and would like to be removed from membership dues and monthly membership fees. I was told that if I canceled my membership, the entire amount due would be demanded in full. After that, the last statement I received from them was approximately Nov or Dec 2008. I sent them emails, I sent them letters, I sent money to a payment center without a statement. They called me in April and demanded payment. I told them I would catch up the account, but I wanted a statement to show my payments and balances.

The woman from India or somewhere, after almost an hour, finally got it through her head what I was trying to do. She was asking for bank account info and such so that I could be set up automatically. I told her that that was not what we were doing, but one time payment only and monthly statements. I never received a statement.

I have yet to receive a statement but I am now in January 2010 getting calls from a collection agency wanting to set me up on automatic payments. I am very hesitant to make any arrangements with this company after reading all the reviews online.

Please help. This is very stressful to me and my family. My husband is a very sick man, and we are not able to pay off in full because of limited income. He is disabled and I work minimal income. I am supposed to contact them today to discuss again. I don't care about paying them something, but I feel like they have cheated me for years by adding fees and dues to this account. I can never pay it off because the amount changes with interest and penalties every month.

My husband was issued a new credit card by Capital One approximately five months ago. No interest for one year! On January 8th, he went to use the card to gas up and use the quick pay. The card would not authorize the purchase. When he spoke to one of the customer service reps, they said that it was because we had not paid anything on the card by the December 22nd due date. I went back through my records and noted that I had sent a check to Capital One on the 12th of December. We then checked with the bank asking if the check had cleared. They stated it had not. We figured, "Okay, it did get lost in the mail." On the 19th of January, I attended a meeting relating to work and one of my co-workers stated how the same thing happened to her at about the same time frame. I questioned if the checks were actually lost or if they are sitting in a room in order to show that "late" status because of the new regs that are coming into play.

For over three years, I have made monthly payments to Capital One using electronic payments from my bank. Paid at the beginning of the month (between 5th-9th). My due dates were usually at the end of the month (between 26th-29th). The billing cycle was also at the end of the previous month (between 27th-26th). Suddenly, without notice, my billing cycle changed from 31 days to 39 days cycle causing end of cycle to be at the beginning of month instead of the end. When my monthly payment was received Dec 4th, it was applied to the previous month because the money arrived on the last day of my new billing cycle.

Therefore, payment for December was not given any credit. November receive two payments. I received a statement that no payment was received for December with late fee of $39 and a statement for double payment for Dec and Jan $179. I am appalled as all representatives stated how sorry they are, but can do nothing but waive the late fee. Supervisor Chris stated that they were regulated by the government to change billing cycles. Contrary to his statement, the other supervisor Frank stated that the billing cycles never change.

At the beginning of the year, my interest rate was 9.90% then in June went up to 17.90%. I was doubling my minimum payment at that time. I have paid January's payment of $100 on the 5th of Jan. which is more than minimum payment. But because of the change in billing cycle, I am required to pay an additional payment of $40 due on Jan 29th. If I do not pay this second Jan payment, I will be charged a late fee of $39. I feel very insecure with this company now. I have lost faith not knowing what scheme they will come up with next. What happened to business ethics?

Capital One is not applying extra payments to the principal but instead, applying extra payments to the next payment due. Interest that has not accrued is being paid in advance. The 1st contact, 1/23/09, I specifically questioned the method and told Capital One that the extra payment was to be applied to the principal. No action was taken and I was told that I was wrong that there was no prepayment of interest. The 2nd contact, 01/03/10, I questioned the situation about the fact that any extra payment is applied toward the next payment. The answer I received was the same answer. The 3rd contact, 1/18/10, I called and e-mailed. On the phone I was told "it is not a prepayment of interest and that there is nothing illegal about how the payments are being applied toward future payments."

The last response from Capital One in writing states I should call customer service to designate an overpayment to the principal, which clearly admits that overpayments are not being applied towards the principal. The FAQ's on their website also clearly state they are applying overpayments to the next payment due. I only read the FAQ's after I discovered the issue since my contract specifically states no prepayment penalties and payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal.

There is zero information on any payment page stating overpayments to principal must be designated to the principal, no information on how to designate overpayments to principal, and the contract I signed specifically states payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal. The contract, the correspondence, etc. have been scanned and can be e-mailed or faxed anytime. I am paying interest in advance, and the principal balance is not being reduced by extra payments.

Since 2007, I have tried several times by phone and by mail to close my Capitol One credit card account. I have a zero balance and owe them nothing. But Capital One has not closed it. Earlier today, I called four separate times. The various "customer service reps" make me provide the same information over and over, then tell me they cannot close the account and that I have to wait on hold until a senior rep can pick up. After waiting 20 minutes to 40 minutes each time, or until the Capital One system clicks off my call, nobody ever picks up.

I think that you need to investigate them. Instead of respecting my request to cancel my account in the past, they send "convenience checks" that anyone, including people who take mail from mail boxes, can use. No ID required. I tear them up, but Capital One is just trying to encourage charges, refusing to cancel my account and acting illegally and fraudulently. I checked their rules and regulations, which states that accounts can be closed by mail and by phone, both of which I've tried repeatedly. Please investigate them.

I have worked very hard to obtain good credit and have an unblemished credit report. However, Capital One is trying to destroy this by raising my APR for no reason. I currently pay under 5% and they are planning to use legal theft to increase my rate to 16% APR, which is basically 3 times what I pay now. I have been a customer of theirs for 10 years. I do not charge anything to this card and have been paying the debt down for the past 2-3 years. I recently transferred a balance to this card, which increased the amount owed from approximately $3000 to $8500.

I received a bill from them this month with a notation that "my promotional rate" was going to expire soon. What promotional rate? I was assured at the time of the balance transfer, that the APR would remain the same. In addition, Capital One claims that they sent me a disclosure last February stating that they were going to increase my APR unless I closed the account, in which case, the APR would remain the same. When I called to transfer the balance, no mention of this was made. I never received notice for them.

I have spent several hours on the phone with them over the past week, going from one representative to another, each one telling me they can't do anything about it. It's not a case of "can't"; it's a case of "won't". The last person I spoke with claimed that he was sending an email requesting an appeal to the corporate office on my behalf and a senior account manager would be contacting me either that evening or the next at 8:30 pm to discuss this with me. No one called. I called them back yesterday, Friday 1/15/10, to find out why I did not get a return phone call. The rep I spoke to said there was no such thing as an appeal, that she was a senior account manager and that nobody from the corporate office would be contacting me.

I again stated that they have no right to increase my APR for the pure thrill of it and that they are going to ruin me financially. I told her that this will make my APR amount cost as much as my normal payment amount (I normally pay the minimum plus finance charge and send a little extra if I can) and that I cannot afford to support Capital One's desire to get rich quick. The rep claimed that due to the "financial difficulties" of the economy, they have suffered and had to make this "business decision".

I was completely disgusted with yet another phone call to get nowhere. I told her that they are making me choose between a roof over my head and food in my children's mouths or pay them and guess who the winner will be. She was rude and completely callous and did not care one bit. I think it is completely unbelievable that legal theft is acceptable when the American family is already suffering tremendously between record breaking unemployment rates, not to mention when gas was $4 a gallon and parents were having to choose between a tank of gas or food.

How can this be permissible? Congress is allowing changes to begin in February 2010 to supposedly "help" the credit card situation; yet in the meantime, the credit card companies are "allowed" to put their good paying customers into vulnerable situations in which their families and good credit suffer. Despite my insistence that I did not receive their disclosure, the rep at Capital One said, "It doesn't matter, we are raising your rate anyway." Please help! This is affecting millions of innocent, good paying consumers. Even after asking the representatives to look at my account history and see that I do not even use the card, still this is of no consequence to them and they don't care. Legal theft should not be legal! I am going to have my credit ruined due to legal theft from Capital One. I am a good customer with excellent credit.

I wanted to write regarding poor customer service I recently received while trying to cancel my card. I was left on hold for 15 minutes because only one person is able to cancel cards. Once she finally agreed to cancel my card I asked if I could be given a confirmation number for the cancellation or at least an email confirming it. I asked again because I wanted to be clear about it, and couldn't believe they couldn't send instant confirmation. She was somewhat rude and informed me that I would only receive a written notice.

Capital One should provide an instant confirmation number and email confirmation for all account activities. Every other company does it for things as simple as payment receipts. Waiting a week for a piece of mail is just silly in 2010. This makes me glad I've cancelled my account with a company that can't even be bothered to give a timely confirmation. They have horrible service right until the end. Stick with AmEx! Even their free card is amazing.

On December 16th, 2009 my checking account number was compromised. After reporting this I was informed that my account was put on a "credits only" status. On December 20th, 20009 another check was passed on my account. I again reported this and asked why when my account was put on "credits only" there was a check allowed to pass. I was told that the bank assistant manager had been on vacation and had not placed my account on "credit only" as promised. Further, I would now have to file another fraud affidavit and wait on my funds to be returned.

When I asked what Capital One does to recover the funds, I was told that they really did not pursue this. Since Capital One chooses not to pursue so did I. I was then contacted by the bank and told that since I didn't want to pursue with the local authorities, they would not return my funds. I returned to the bank and asked why I would not receive my funds when obviously this was a bank error to allow the check to pass in the first place. After dancing around the fact I had to go back to the police department and get a case number in order for the bank to return the funds. At no time did any representative at the bank admit to the fact that they dropped the ball. What terrible customer service and accountability. Now, "What's in my wallet?" Not Capital One. "No hassles," I don't think so. I waited 22 days for the money to be returned over the Christmas holiday when cash matters.

I have two Capital One cards. The one I received a notice back in June my 9.99% interest was going up on Aug 1, 2009 because of financial economy. Garbage of course. Then my other card which charges slightly in the 8% range I hadn't used for 7 months after paying off a promotional offer of 1.99. After receiving the notice on the first card, I wondered why I didn't get a notice on the other account. I called Capital One around July or Aug 2009 and the guy assured me this other card wasn't changing.

So in Nov and Dec, I finally used this card at my 8.33%. At the end of Dec, my daughter said I better call to verify as every credit card company was raising everyone. Behold to my surprise, the range of different people kept telling me my interest indeed is going up in Feb2010 to 17.1%. I never received one notice all year on this account. They kept saying the offer. I never accepted any offer since the one I paid off from 2007.

They are crooked, deceptive, fraudulent and whatever I can think of. I have been fighting with them for at least two weeks now because they keep telling me this offer was sent to me either in Feb or May of 2009. Funny, they didn't know which month. They are trying to tell me they sent this to me a year ago. They are deceitful and total crooks and greedy. I kept telling them they have never sent me a 45 day notice. They guy said the bill hasn't taken effect yet. Everyone else I talk to have received notice between 3 weeks and 45 days ahead and the excuse is they only have to notify you 45 days in advance. We all need to either stop paying all the credit card companies and let them eat it or file bankruptcy.

Anyone out there want to get a class action lawsuit going, I'm ready as I'm totally fed up with all these credit card companies and very stressed out. This last guy I talked to told me a different story that they sent me notices in Feb and May 2009. This was a new one. Also since my call, they have not put on my ATM which I got online as I haven't received it in the mail yet, that my promotional rate will expire soon, as of 11/25/09 , which a new one now. Also on the bill, they talked about the new credit card act of 2009 and have this on the statement. No notice of 45 days is being given here and Capital One doesn't think they have to give the 45 days notice because it's not Feb yet. But they are raising it in Feb. Help!

Obama has screwed all the consumers and gave free field to the credit card companies to raise the interest as high as they like as long as they give you 45 days notice and some are not giving you the notice. They are just raising the interest. Anybody out there with the same problem? I did see a few of you. Let's get a class action going as soon as possible.

I have been receiving calls from Capital One wanting to tell me about the new credit card laws. They would call and call. Finally, I sat and listened to them and they told me that I had to agree to keep my card rights the way they were or that I would lose all my current benefits. I am not sure what benefits they were talking about. And I am now wondering if I gave up my rights to the new laws that went into effect because of this phone call. Is this a way for the credit card companies to get around the new laws? I don't want to have given up my rights to the new legislation that just went into effect because the credit card company has found a way to get around it. Please advise me of what I should do.

On May 20 2009, I received a letter from Capital One bank after many calls of credit debt harassment calls on debt I was disputing because of a scam. In the letter I received, these words were put:

"We know you're having financial difficulties right now and we want to help prevent your situation from getting more stressful. The first step is to contact us at 1-800-. You'll be connected to one of our customer assistance specialists who can help you avoid additional late fees. They'll work with you to set up payment options to get your account back into good standing. While you're on the line, you can activate this $50.00 gift card - no strings attached! Use it to buy gas, groceries or a gift for yourself, whatever you prefer. It's your money. Call to activate your gift card by June 11, 2009. Please keep the code below and call 1-800- to activate your gift card today. We are available Monday-Friday 7am-11pm, and Saturday & Sunday 8am-5pm."

Yes, I still have a copy of this letter. Yes, they were contacted the day the letter was received. Yes I have filed a complaint earlier 2009 on this matter with the FTC on harassment calls and with other agencies on this matter. I feel I was mislead on the $50.00 gift too of which I never got. All I got out of the matter was more stress and continuance of harassment calls. It even seemed to sound like it was calls from the same person I talked with the voice sounded; the same in constant calls coming in at different times of each day. Even at times that were at after 10pm my time. Or even on Sundays they would not seem to let up. Same person calling, same voice, even with a rude tone in their voice. I kept telling them to stop. I feel like I had even sent a letter to them on this matter to stop calling me. Hope you can help me resolve this.

Fraudulent charges/overage/past due fees deductions from my checking account without my authorization. Please contact me in confidence.

Capital One has been charging me with overdraft charges as a direct result of incorrect information on their part due to a lack of internet access and incorrect account balance from their Telebank 24 telephone line. As a result, the bank has been charging me with (snowballing) overdraft charges that have cost me most of and/or my entire paychecks. They refuse to forgive any charges that are not the fault of the bank. My company said that when I receive my check stub by email, that the funds have been transferred to my account. The bank said I do not have access to the funds until they are "posted". It seems to me that if the bank has the funds in their possession, then they aren't out anything and I should have access to them.

I was told the bank is not at fault for my inability to access my account online with Internet Explorer version 8 or 9 (which have been out for a long time) nor that the telephone service they provide to access my account gives me the incorrect current balance. They did, however, said the reason an ATM can give the correct balance is because they are "in the system". Apparently, my bank account with them does not afford me the same privilege. They refuse to forgive overdraft charges ($35.00/per) or come to any type of arrangement to avoid these charges in the future. Most of the overdraft charges were for amounts under $35.00 which translates into 100%+ interest referred to as a "service charge" (usury). I make an automatic deposit on a weekly basis so it is quite obvious I am not a credit risk, yet I do not qualify for any credit.

In 2006, I received an offer to get a credit card. I was homeless at the time, but working for a company I used to work for in the late 90's through the early 2000's. They did billboard advertizing, and I spent months on the road in different cities all around the U.S.A.!

Anyway, I put down my salary plus what I received in retirement benefits and was informed I will be getting the credit card with Capital One. So I charged small amounts for mainly gas for my car, and much needed food i.e. sandwiches. After 2007 through 2008, I just paid the minimum they asked for on each statement. In February 2008, they raised the credit from $500.00 up to $750.00, I still paid the minimum. In the halfway mark between 2008 and 2009, they started charging me late fees and over the limit fees.

So before I knew it, I was paying through my cell phone directly to Capital One on the net between, $100.00 a month up to $200.00 a month. I haven't made any purchases in over 8 months and each month they are still adding the late fees and over limit fees. My statement date is the 29th of each month and I've been paying through my Visa card at my bank where my Social security benefits are being directly deposited and sending in the payment by the 6th or the 10th of each. How can I make a complaint to the Attorney General's office, and how can I file a class action suit against Capital One?

I've been trying to make purchases on my credit card with Capital One for two days now and they have my credit card locked out for no reason at all! I can't make any purchases. For example, I was trying to make a purchase in Sweden and my card was refused like a common criminal! How embarrassing! I've paid Capital One faithfully each month and have no late payments on my record and they treat me like this!

It all started when one time, an inverted two numbers on my credit card and I corrected it immediately! They have locked me out for two days without asking my courtesy a question one time! What happens now is my credit record ruined forever?

After reading the complaints about Capital One, I realize I am far from alone in dealing with their deceptive practices. While many people didn't receive the letter about the increase in interest rates back in early summer, I actually did, although little good it did me. It stated that my current rate was being changed to a "promotional rate". It then went on to say that "Beginning January 2010, my Purchase rate would increase to 17.9%". "Please note that this rate does not affect any special transfer, introductory or promotional rates unless or until they expire". Never did it say anywhere in the document that my new "promotional rate" would expire at any time. I figured possibly new purchases may be affected, but I wasn't worried about that as I had stopped using the card for purchases and was trying to pay down the balance.

As I pulled up my January statement online, in very small print it noted, "As previously disclosed, your promotional rate will expire soon. . .equal to 17.9%." I called immediately and was assured by the customer service rep that I was fine and that the increase did not apply to me. As my statement said differently, I asked to speak with a supervisor just to make sure. She had a different story and "found" a copy of the letter that was sent to me. It wasn't even the same letter I had received!

When I explained my confusion about the promotional rate, etc., she had no response. I asked to "opt out" as I couldn't afford to pay any additional interest and she said the deadline of July 28th had passed and my only option was to write to the complaint department. I sent two pages explaining my issues as well as enclosing a similar document from American Express as a sample of well written, concise communication that left no room for ambiguity. It also showed that AMEX allowed you to "opt out" at any time up to the rate change date, no deadlines.

The rejection form letter came back with no acknowledgment of any of the comments I made. I feel Capital One was purposely deceptive for numerous reasons. 1.) The flyer was sent out in the typical "junk mail" format with nothing printed on the statement until the month of the increase...SIX MONTHS AFTER the "opt out" deadline had passed. 2.) The flyer was purposely deceptive and confusing. Throwing in the "promotional rate" verbiage made no sense other than to confuse the situation. 3.) It was sent in early summer when a lot of people are on vacation. Would they even see the document before the "opt out" deadline? 4.) What would be the point of an "opt out" deadline other than leaving customers no option but to pay the increased interest? 5.) Their customer reps don't know what's going on. There is every chance that I could have called when I received the original letter and had someone tell me it didn't apply to me as they did last month.

Supposedly legislation in February will stop this from happening in the future, but credit card companies were aware of this and have already raised their rates! What good will legislation do now? Will it be retroactive? As far as I'm concerned, Capital One is by far the worst credit card company out there and I hope someone is able to convict them for their unfair and deceptive practices. While I have followed the rules and have honored the terms of my agreement with Capital One since the inception of our relationship, they have not. This increased interest will be a hardship on my family as more money will go to Capital One and less will be available for other bills we struggle to pay in this economy.

Me and my wife have been married for 10 years, and we both always worked and paid our bills on time. We always heard about the fraud and conspiracy going on in the banking world, so living with my parents for several years, we had my mother depositing our checks and cash in her bank account. She is a credit manager for an electrical company for the past 30 years. In the pre-days of Katrina, my parents moved to Orlando, FL for the same company, but a much higher pay. They prepared to move, so my mother had withdrawn all of our together savings, and said to go to capital one bank, and open a joint account, and a tower gold account, because it was a large amount. The tower gold account was going to be like our savings, unless the joint account had gotten low. The date was 2/23/2006. The accounts were open, and on 3/16/2007, both accounts were over drafted by $4,000.00.

During the start of our experience, we were not receiving our statements, so I would go into the bank, and ask about my statements, and they would tell me that they mailed them. I don't know whats going on. This went on for months. We started getting denied for bill payments, purchases, etc. I tried to have the accounts closed, and this lady at Capital One Bank told me I would have to pay a fee of $5,000.00, for breaking a contract. Me and my wife have separated several times, because of the stress of this situation. I was alone with my 5 and 8 year old sons. By 3/16/2007, the accounts were purged, and a lady fired, because the bank president said she had messed up a lot of accounts. I told her that my account was messed up, and the president gave me the runaround for months. I've been to Capital One around 50 times in 2 years, and they still will not give me my statement, one of the Capital One Bank printed out the last 2 statements from both accounts, and they were well into the negatives. Other Capital One banks in the area would say they show no such accounts, and some would say they were purged from the system.

By now, I lost my wife, and have 2 children to care for. My truck note is 3 months behind, and was threatened multiple times with repossession, and my mother and dad had to help. My father has had 4 strokes in the last 4 months, while my mother has breast cancer. The past 2 years have been like torture. My 8 year son had to be pulled from a private school back then, because of Capital One bank errors (fraud), and being in the negative. My wife finally came back, and my wife and I,and my 2 young sons had to seek medical attention for severe depression and anxiety. I have been literally suffering from this for 2 years. My 2 sons did not have Santa Claus visit our house this year, because of Capital One. On 09/09/2009, I got off from work, and went to yet another Capital One bank to try to get my statements, and this little old lady sitting in the corner of the bank assisted me, and she got my statements for both accounts for that year. When I started looking at them, I almost passed because of what I saw.

On the joint account, it shows that a complete stranger opened up our accounts on 06/12/2006, when we actually opened it up on 02/23/2006. I also received actuarial deposits for when I made a deposit, and on some dates, there are 6-7 different deposit slips on the same account numbers, 1 minute apart, stating all different balances, and on other accounts, there are 3-4 deposit slips on the same day, 1 minute apart, with multiple balances. Upon looking more at both accounts, there are 6 different debit card numbers between both accounts.

I went to the bank president of yet another Capital One bank and showed him, and he told me he has never in his 28 year history in banking seen so much fraud. He told me this is too big for him to handle, and he was going to send it to the fraud unit at Capital One bank, Mr. Marco **. What a big joke! He calls me up 1 month later, and says he don't see anything wrong, and it's out of his hands, and he does not want to talk to me or see me. I have emailed well over 200 federal and state officials, for the past 2 months. I emailed the CEO of Capital One and everybody who works at Capital One, and not one person has called or emailed me back. I can not afford an attorney, but I'd like to sue Capital One bank for 1 billion dollars, for the pain and suffering this company has put me and my family through. I have all the paperwork. This is for real!

The consequences include separation from my wife, severe depression, psychiatrist visits, had my electricity turned off several times, back due rent, car note, and my credit ruined.

At 8:13 am January 4th 2010, the phone rings and this rude woman says she wants to speak to my husband. I tell her I am his wife and can I help her. She says, I have a $3000 debt with a bank I have never heard of before and am I prepared to pay it. I said I had never heard of them and she said she would look into it, then she said "Forgive the call" and hangs up. I am now awake and [upset]. Turns out she left a message on my husband's cell phone too.

To top it off, before she called me that early in the morning she had called my 88 year old Mother-in-Law and brow beat her to get our numbers. Now, we have had 2 accounts with this company, both are paid off. I called and left 2 messages asking for a return call and wanting to file a complaint. After 2 days with no response I called again.

The first man transferred me before I could even get a complete sentence out. The second man was not much better, but once I told him to shut up and listen to me, he looked into it and she had called us in error. We don't owe them money. Now, couldn't she have said, I am so sorry to bother you, I have made a mistake. I told him I intended to complain and take whatever action I could, but that I would say that he was helpful once I got him to quit interrupting and listen to me. My mother in law was afraid there was some huge problem. They made her think it was urgent. She thought it was an emergency. Even had we owed them money, we deserve to be treated with respect.

I don't know where to turn to and get some help with Capitol One. I missed one payment in five years back in July 09 because I needed the extra money to fix my car. So, I missed the payment. Capitol One has not helped me at all. They keep charging me fees for over the limit and being late. I do pay every month but cannot pay the minimum due because of the fees. I asked them to help me, so I can pay it down but they said it was the law that they had to charge the fees.

I find that hard to believe because I have a card with Chase also and they dropped the fees, so I could bring my account in good standing which I did. Capitol One also charged me an annual fee and I cancelled my card but they wouldn't take the fee off. they call and harass me several times a week and I can hardly understand the people that call.

I asked to talk to a manager but they just put me on hold. I'm more than happy to pay this card off but its not possible because of the fees. I have a single income and cannot afford it at this time especially when they keep adding the fees and the bill keeps getting higher. I desperately need someone to help with this problem. This issue is ruining my credit and I have one income and am stressed every time I think of how much I owe them. I do have high blood pressure and it does not help that at all when they call. I cannot afford to pay what they are asking. It's very frustrating to know I'm trying to work towards good credit and they are ruining it. I missed one payment in five years and they won't help me, I just can't believe it.

They advised me to close my account when I contacted them about a late payment. I have been late, but never missed a payment. Now, they have raised my interest rate from 9.9% to 19.9%, right before federal regulations take effect, with no notification, and say they can't change, because the account is closed. I am trying to pay this off to get my bills under control. This is not helping me pay them.

Last May, I received the notice of my rates going up. I called and cancelled my 3 small accounts. I have been paying off on time since. Apparently last October, I paid one account twice and one not at all. Since every time I call for info, they can get into all accounts, it was pretty obvious to whomever I spoke with. I said I would double the next payment and no late fee or transfer was discussed. I now find after paying the $40 in November and $20 in December that my balance is $67 and they are willing to take my payment over the phone for that amount and waive the over the phone payment. How can they get away with this? Is there no one to help us?

How much money do I have to throw away before the government will help me? Do you not think this is ridiculous? Thank goodness I work as a lead agent for a national company and when I get an irate customer I am not allowed to hang up as our Indian rep did or the first American agent did. You see as a company, mine believes that the customer keeps the business open and although I do not give away the store, I certainly would have worked with a customer calling with my problem, especially seeing the obvious transpiring of the payments.

I am a perfect customer who pays way in advance and they are raising my rates to 17.9% from 9.9% I suspect they are fueled by the Greed ridden hate filled Republicans who are trying to make President Obama's economic policies fail so they can get him out of office.

I called in November to get a pay-off quote and I was told it would be $10,764.41 and I made online payment that same day or within the next few days. I checked my bank statements and I saw the money come of my account. I called them today because I haven't received my title yet. I was told that I still owe almost $500 - $489.24 or $492.26. I asked to speak to a manager and they hung up on me. I have to pay $492.26 and they are still charging me interest.

I had bought some Acai diet pills online. I stopped any further orders, but the company went ahead and billed me anyways. Next, I cancelled a magazine subscription and refused any further magazine from my postal carrier. I even went as far as to write a letter to the company. This whole matter is about a couple disputes which were not resolved, and now six month after the fact Capital One expects me to pay for something I discontinued. They refuse to back me up with the merchant. The credit card in question has not been used since the day of these disputes, and I am the only one who has access to the card. I have gone over this matter with Capital four different times, twice today alone.

Because I refused to pay for something I do not have in my possession and I stopped Captial One is more than likely going to damage my credit. I did have good credit until this matter has come to a head. Can you help me.

To make a long story short, the bottom line is: I have paid every penny that I owe to Capital One, and they still have not released my account. I know that this is done on purpose because they faxed the release order to my bank without a signature from the judge. Capital One knew that it had to be signed by the judge; therefore, when they faxed it without the signature, that's already a proof that it was an intentional act and that they wanted to inflict emotional distress on me.

They should not and do not have that right to cause that kind of harm on a human being ever, much less after they have been paid every single penny they claim owed to them. Do I have any rights here? Does a credit card company have that right to withhold a person's bank account when they have been paid completely every single penny?

If Capital One had told me beforehand that they were going to garnish my account, the whole thing could have been resolved before it had gotten to that point, but they waited until two days before Christmas. To wait until then, that act, alone, shows evil intent and cruelty towards me. Apparently, Capital One doesn't want money to be paid, they wanted to punish me because I have paid them the money and they are still inflicting punishment on me by not releasing my account back to me.

After having a Capital One credit card with a 500 limit, I could not longer pay the minimum in 2006 because of financial circumstances, job loss, car repairs, and medical bills. I went over the limit not because of spending but because of Capital One's fees for everything. Fees for being late, fees for being over limit, interest rate changes which put you over limit so that you have to pay more fees, etc. In a short amount of time my bill kept climbing and I kept falling behind. I called and canceled the credit card when my bill was around $700.00. But the fees didn't stop. As of today, I am still trying to pay this bill and it is now over $1000.00. I'm basically able to pay the over limit fee $35.00 and an additional $30.00, which when you subtract interest doesn't amount to much. I'm prudent on paying on time since I don't want the 'late' fee as well.

Anyway they called me 4 times this morning, New Year's Day, to tell me that I am over limit and they would be glad to take a $500.00 check over the phone. When I explained to them that I am only able to pay them what I agreed to pay them in November when I paid them $200.00, they asked about my tax refund. I explained to them that last year I owed the IRS and that I couldn't promise them anything. They said hold for just a minute and I was on hold for a very long time. I eventually hung up. Long story short, I will be glad to be done with Capital One and will make it my business to never do business with them. I liked what Claudine of Sycamore, IL said:

"I'm sure they charged a late fee then an over the limit fee when the LPC and finance charges put me over the limit. It is also interesting that the 100 plus court cases that day the majority of the credit card companies most of the case were from Capital One. I have had other credit card with the same limit and in the same situation; they never had a balance this high for added fees and also settled the account for amount of the original credit card limit. They also were able to contact me at my right mailing address and phone. It is very suspicious that at a time when credit card companies are about to be limited with legislation that they are aggressively pursuing collection with out prior contact. I find this to be abusive and only hurt those consumers that are financially struggling. I have paid back the original 500 many times over with the finance charges, but this amount is ridiculous."

It is ridiculous. I agree. I am still trying to pay a minimum amount that will keep me in their good graces until I can pay a larger amount and get done with this company. As a result of their fees for everything, my credit has been damaged. Sometimes when they decide I need to get under limit they call me incessantly, and the stress of trying to pay that bill every month is something I carry with me all of the time.

I wasn't late and paid by due dates, but Capitol One raised the credit card rates from 9.9% to 17.9%. I called 2 different times. They say that they can do this and won't change my rate back. When I have paid them off, I will cancel my card. After reading other people's nightmares with canceling, I think I will make sure the cancellation goes in registered mail. I would love to see Capitol have a case action lawsuit hit them. Capitol One gave themselves a hefty raise.

When I was activating my new card with no interest for 1 year I was told 3 times that I will not be charged interest for 1 year nor will there be balance transfer fee. I was advised to take advantage of full credit limit because there are no other fees that would make me go over limit. However first statement I received it showed finance charge of 13.90 under special terms financing. The card that i originally had transferred from had APR of only 7.99. When I called Capital One they said that this was in my contract under "Special Terms" and that i should have read my contract. They also said there is nothing they can do.

I closed my account with Capital One and I advice everybody else to stay away from that company because they will do anything to rip you off.

I received my December statement from Capital One and at the top of the statement it stated that "per your previous disclosure your interest rate will be rising effecxtive January 2010". I immediately called asking what this was ll about because I never received a previous disclosure. I was then told by customer service that in Feb 2009 I was allegedly mailed a disclosure stating that my rate would be going up in January 2010 unless I opted out by April 17, 2009. I explained that I never received any such mailing and that I should still be allowed to "opt out" since I never received it. I also asked if they had proof that such a mailing had been sent. I was told repeatedly that there was nothing I could do. Hoqw can a company operate like this and get away with it? How can they say well maybe it was lost in the mail but you are still responsible for it....if they are mailing something so important shouldn't it be sent with your statement to ensure that you receive it or post it online to your account? I mean there should be provisions for customers who do not receive such a mailing.

Roseland, NJ 07068 ATTN: Paul J. Klemm sued us 2/21/09.

I have had too many problems with Capital one. I have been a customer for over ten years. Before they were Coastal, then Hibernia, and now capital one. When I signed up, they were a wonderful bank. The manager and employees went out of their way to help the customer. Some of their managers were super nice people. Very understanding. A couple of them were Kevin and Altaf. They have been transferred elsewhere since then. When hibernia bought out Coastal, their customer service went down a few notches, however not too bad.

When Capital one bought out hibernia, the customer service just plummeted. I have had several very nasty incidents with them. Most of the good managers they had either left or were transferred elsewhere. The new manager at the Mason road branch in Houston is super rude. One time me and my wife went to use the locker box, waited almost an hour, after we signed our names.

The manager allowed some people to use the locker box ahead of us. When we asked her why she allowed others to use the locker room ahead of us, she very rudely replied that they had been there before us. We showed her the sign in sheet, and showed her our names were ahead of everyone else's. At this point she became very nasty and replied that we had left our place in line. The funny thing is, there was no line!! People waiting to use the locker box were sitting on couches, till their names were called.

However, There is only one person at the mason road branch who will still go out of his way to help the customers. His name is Ketan. I know it is only a matter of time before he leaves or is transferred elsewhere. I called the mason road branch one time wanting to know why the interest rates had gone up so high, it was probably the manager who got on the phone, and told me very rudely that they had mailed out notices to everyone, and if I had not read my notice, then it was my fault.

Since then I have opened an account at Wells Fargo. A very big difference in attitude. I will be transferring all our accounts to Wells Fargo. They are happy to see you arrive. Unlike capital one. They are happy to see you leave.

My story is a simple one. I had a limit on my credit card with capital one of 7000.00 dollars. I had it lowered to 500.00 for security reasons. I have bought three cars and over 20000.00 dollars of equipment through capital one. I have never in my life missed a monthly payment. But because I went over 72.00 I was turned over to collections. For the 72.00 dollars.

The collection company said they had to have access to my banking account to retrive payment. I said no. I told them when my bill comes due in 20 days I would pay off the total amount. They said no. They needed the money now. I hung up. Over the next five days this same collection company called demanded the 72.00 dollars. I told them again and again I would pay it off when it comes due. I ask them to stop calling because I worked nights and they keep waking me up. They said they will call everyday untill they get there 72.00.

I called capital one and paid them the full amount 15 days ahead of secudule just to have the collection company to stop calling waking me up. I must admit I liked capital one for many years. Their rates were good and front line customer service was good also.

But don't make the mistake I made, going over you limit to them is a capital offence. What ever happened to just adding a fee for going over and letting the customer pay for it. Why be such sharks about a simple overage. It looks like to me Capital One no longer cares about customer service. Beware

The headaches Capital One intentionally cause for no apparent reason is driving me to distraction. First, for well over a decade I have been calling them asking them not to send checks related to my account anymore. It's too easy for someone to lift them out of the mailbox and use them. The customer agents always agree and assure me they will stop. Two calls a year for over a decade and the volume of checks sent to my mailbox increase every year. I gave up making that request after 14 years. They only send more and more.

Then they started a new trick. I take the card that hadn't been used in ages and get some gas. I then go to a local shop to pick up a few things. The card was declined. Three times. Thankfully I had my debit card to make the purchases. I called Capital One from the parking lot, having not actually died from the abject humiliation in the check out line, and was told it was for security purposes. Using the card triggered a lockdown on it that had to be sorted out through the fraud department. No real reason other than that was given. No, there was no history of it being reported stolen. Just use it once and it will be locked down according to the assorted customer agents.

Then the past few months have been quite interesting. Someone used my card on the Internet. I say someone because it was not me. I try contacting the company and get a strange voicemail box. I Google the number for the company that came on my statement and find slews of complaints on the 800 notes website. Seems it's a scam company that just randomly charges cards.

Several months ago I had a strange charge on my unused card, I do not recall if it was the same company. I called, it was removed, no problem. It has been very different the past two months. I see the charge, call and speak to a very nice lady who said it would be investigated and as it was the only charge on my account I had a zero balance.

I pick up my mail and what's in there but a statement from Capital One. Another fraudulent charge perhaps? Of course not, they took care of that. This was for interest on that fraudulent charge that had been removed. A whopping 1.85. That's right, one dollar and eighty-five cents.

When curiosity got the better of me I called today as I just had to hear the logic behind that stellar business decision. The agent almost asked me if I was stupid for writing and mailing a check for a dollar eighty-five, but caught herself as it was halfway out of her mouth. She credited it back, but that was far from my point.

It was decided that it would be best that I call in to the 800 number every single day as long as I have the card to check and see if there are any fraudulent charges so I can report them instantly to stop accruing interest on them. I am apparently responsible for all interest regardless of the fact it stems from a charge they admit is fraudulent.

I have been a customer of Capital One for a number of years since college. I have not had a late payment or any trouble with them until this bank bailout/ free for all occurred. I am very grateful I have been able to make payments when asked and have a pretty impressive credit score.

All the above combined tells me that Capital One's actions are not a result of a massive percentage of their customer base falling behind due to hard times. This looks very much like a corrupted pattern of behavior that Capital One obviously feels no worries or fears of any sort of consequences or punitive ramifications.

There was gossip regarding the nature of my finances when I was declined for purchases I was trying to make at Rose's Discount Store. I live in a very small community and word travels fast. Also having to call every single day to check if any charges have been made to my account for as long as I have an account with them has actually caused me to loose sleep and is stressing me out. My dentist is going to flip when he sees the result all the stress related grinding has done. All due to Capital One. If I close my account I hurt my credit, if I don't and don't spend a portion of my life checking in with them daily they will ruin it anyway.

The company raised my APR from 12.99%to 22.90% without informing me. This has caused me to over my credit limit ($1,000) thus incurring late fees. Although I am in good standing, they refuse to make an adjustment upon my request. They stated that due to the current financial situation in this country they as a company had to make certain changes to customer accounts.

I told them that this was illegal based on government regulations and they told me that they would contact me in the future if any offers or adjustments would be extended to me. I've been with this company for 6 years and this is the poor customer service that I get. Please help.

I have incurred more debt as a result and I am not making any progress on shrinking the amount on my account. This is corporate bullying at its worse.

In 1996 I applied for credit with another institution. When I received a letter from Capital One saying my account had been approved - I mistakenly thought it was the company I applied to. I sent the deposit - they sent the card. A month later I got a card from the company that I actually applied to, but I had already used the Capital One card to the tune of about $185. When I received my statement at the end July I was unfortunate enough to have both the statement and credit card stolen at the same time.

When I called to complain (the delay of the payment was their fault and not mine) - they refused to waive the charges. I called several times - staying on hold for over 45 minutes one time - to speak with a supervisor. I was told by "supervisor" tough - not their problem. By this time another statement had issued and in spite of my payment was once again "overlimit" and another $20 was tacked onto the balance. I immediately sent all of the money that I had charged on the card plus interest along with a letter demanding that they close the account and delete the $60 in charges they had put on the account. They held the check and the letter for 4 weeks; then cashed the check and "closed" the account (after adding another overlimit fee and another late charge).

At this point, they spent the next 6 months calling me daily. I explained the situation repeatedly to their collectors - I refused to be responsible for their "fees". I asked them who they answered to and at that time (according to them) they were owned by private investors (they were not yet a bank). There was no regulatory agency to appeal to and I did not have the money to hire an attorney. They ran up a $900+ balance before they finally stopped adding fees.

After 13 years, I still get calls several times a week from the collection agencies that they periodically release the "debt" to. These collectors will not go away - ever...

I'd like to share with you a concern I have with regards to a very substantial rate increase I recently received from Capital One (MasterCard Account). My credit score is in the mid 700's. I have never been late or missed ANY payment in my life and take seriously my financial obligations. For no reason, my interest rate just went from 7.9% to an adjustable rate, currently 17.9%. I've contacted Capital One and was told there's nothing they are willing to do about it. I have an $11,000 balance and things are very tight in our household as it is. My monthly payments will more than double.

To make matters worse, I had a zero balance on my account several months ago and I will say in all fairness to Capital One, did receive a letter from Capital One describing an upcoming rate increase. The letter was not very clear and as I recall was in a non-descript envelope, (something most people would toss out as junk mail), and since I had no balance at the time I probably didn't read it as well as I should have. The point is I called Capital One about three months ago to question what my interest rate was and to check on what my interest rate will be once the new terms go into effect.

I was told by customer service that the 7.9% rate was my existing rate and they did not see that my account was scheduled to have a rate change. Based on that call, I transferred $12,000 from a higher rate card to Capital One and thought I would be alright. Now I come to find out my rate will almost TRIPLE. How can this economy recover when people like me are paying more money in interest and have less to spend on goods and services? I realize the latest legislation passed to help the consumer may be good in some areas but overall the negative impact regarding the rate hikes that I'm seeing can only further damage and or slow down this economic recovery. Sir, I ask you to please put yourself in my position. How would you like to wake up one day and find that your credit card rate TRIPLED for no reason other than extreme greed of those who run our banking system? You know; the same banking system we the tax payers bailed out. This is just another financial blow my family has had to endure and I would greatly appreciate any assistance you can offer.

Sincerely,

Dean D'Zurilla

My bank is westcom credit union, I was notified that 2-two car payments from capitol one auto finace was deducted from my acct today via automatic electronic withdraw. I called capitol one via cell phone at 9am and spoke with a customer service rep who listen then stated there is nothing they can do but apply the second payment to my next month.

I shared with them that this has over drawn my account a total of 300.00 dollars. They said well maam your going to have to fax us a dispute and give us copies of your acct information. I was appalled to say the least and it is 5 days before christmas. I have medical bill. I'm the caretakeer for to elderly parents whom need medication and I have no money to get it! I asked to speak to a manager and they hung up.

I called back and the second operator put me on hold for over 40-minutes. I then asked to speak to the manager and they stated no one was available. finally after filing with my back and faxing 6-pages of papers at $6.00 someone called back at 3pm only to tell me there was nothing they could do and I had to wait for a review of the paper work and that could take up to 7-10 days. They said if anything I might be sent a check? I asked why when you took it out electronically she stated that they cant wire money or mail checks?

I cancelled all automatic withdraws associated with them for my car payments. None the less my father needs his medicine and I have no funds to pick it up. I want to know why in customer serivice especially before the holidays would not call the customre and notifiy them of a double payment then ask for the customer to call and verify if this is correct or not...they have my email and cell phone number no one tried to contact me but thought it was cute to bill me twice on the same day! PleasE Help!

I sent my payment on Nov 20 by electronic check. The payment was not due until Dec 9 but I always send it early and I guess I typed in the wrong amount by $1.00. I sent $105.00 and they say it should have been $106.00. Because of this they have raised my payment to $140.00 a month. Capital One is not a good company to deal with. I hope everyone thinks twice before they use this company.

I was getting calls on my cell phone all day from a 714 area code. When i went to answer the call it would hang up. So i would call the number and go into capitol ones system. I would give them my details and then ask why they were calling. It turns out that my payment was late by a day. They had not gotten my payment... So after I took care of this, I kept getting calls! So I called back and asked for a manager. I would then be placed on hold for 15 minutes at a time and then hang up and call back.

I am not sure where the call center is but I can only guess with out saying, I finally got hold of someone the spoke clear english. At first I was happy, THEN it quickly fell to the floor when RYAN started asking me why I was happy about that. I told him I could not understand the people that didnt speak english very well or with a thick tone. Ryan quickly got to being smart on the phone with me. I then told him that I wanted to speak to a manager. I didnt have my account info with me so I gave him my SS# and he pulled up my account and then started taking shots as to why the system was calling me. I explained to him I understand how that works but its bad buisness to hang up when the person answers the call. Started to chuckle on the phone and told me to just pay my bills.

I have had two accounts with capitol one for years.. years.... I pay my bills and dont run high credit, I was late by a few days. Then he quickly put me on hold and then it hung up on me. So to this day I have yet to speak to a manager.. I am just going to close both accounts. I bank with USAA, I have a card with them but will get a second card after closing down my capitol one accounts.. USAA has always been great! AND they all speak clear english and are all located in the USA! If you know anyone that has a capitol one account. tell them to close it as fast as they can.

In May 2009 I received an offer of balance transfer at 0% interest for the life of the loan. I was quite happy to accept. When I called they said that letter wasn't meant for me and I should disregard it. I insisted they live up to there obligation and they relented. I transfered about $1,000 from a high rate card and was assured several times that this was indeed 0% for life. This month, December, I see they have merged this "special transfer" into my purchases which have a %15 interest rate. When I called they told me the transfer was only for 6 months. I insisted it was not but the phone droid was unrelenting. An attorney told me short of suing them I'm out of luck. I think I have another option, tell them to stick it where the sun don't shine!

Sooo, here it is... Christmas. We played our cards right (so we thought) and paid down the balance on our Capital One MasterCard so we could use it over Christmas. Gifts and visiting out of town. Planned out what we were going to buy the kids with smiles on our faces and set about doing it! Ho Ho Ho it's going to be a good time.

Well that's what we thought was going to happen. Some one at CapitalOne thought it would be appropriate to send us a new card, that we didn't @!#!?! ask for, and CANCEL our current card!?!?! We of course were totally in the dark as our current card doesn't expire until well into 2011!!!! WTF?!?!

Sooo, here we are. A week before Christmas. All our money (cash) went into paying down the balance and now we can't use it. The blockhead at CapitalOne has cordially informed us that our new card won't arrive until after Christmas. ***** *** and merry Christmas.

Who at CapitalOne thought this would be a good idea?!? How much more incompetent could you possibly be? Combine this with the total lack of interest in helping us fix the issue for Christmas and you CAN BET we will be transferring the balance elsewhere ASAP.

BIG, BIG thumbs down to CapitalOne!

(not even a heads up? Is that how valuable your customers are CapitalOne?)

I have been robbed by CapitalOne bank. I was just charged $210 in overdraft fees and that amount was deducted from my direct deposit pay. I called and inquired about the charges and was told that my charges of the previous week which were reflected as deductions to my account in real-time when I called the automated line provided by the bank, had actually not been "posted" to my account until Monday, or December twelveth, 2009.

On the same day I had overdrafted my acoount by forty dollars and was anticipating an overdraft deduction for thirty five dollars, however, Capital one is charging me from the "highest to the least" apparently and so, I am being charged for not only the anticipated thirty five dollar fee for the forty dollars I was aware of, but also for charges I made when I was informed that I had a positive balance; a total of six overdraft fees. I believe that this is a deceptive and unfair business practice, and just another way for banks to earn revenue off of people who are counting on their money being safe in a bank. If you are a victim of a robbery before you even leave the bank there is a real problem!

Hello. I would like to have some help in this case with Capital One credit company. They sent me a credit card with the intention of provide a good service and the best service in the market of credit companies. What I received was aggravation and more then that, very hard situation inside of the stores. When I went to pay for the items at the store, I couldnt buy the things I had in my hands. Denied was the response from Capital One. Now I contacted the credit company again to verify this situation of disconfort and the need of credit records. The cold answer from them is, I have a bill for $54.00 that include a past due payment of $15.00 and, the annual fee in advance.

Also they stated that the card can be used and the result the same. My question and complain is...those companies are allowed to abuse the customer the way they like it without mercy?! On top of the depression?! Please can you give me some answer and help me with those kinds of abuses that leave me sick and frustrated. More, if that is not enough, to use this card I have to send the payment they required in the statement on the due date. This card has never been used from me.

Tonight I received a call from Capital One to inform me of changes the federal government will be making in 2010 and the caller asked me if I would agree to some overcharge protection that I've had. I told him that I make my payments on time, and usually over the minimum, yet I can't get ahead because they keep raising the APR. He said that he looked up my account and I was a perfect candidate to have my interest rate lowered, that I would just have to call customer service. He told me that I had to decide whether to continue the protection right now. I agreed and as soon as I got off the phone with him, I called customer service. I was told that I have the best rate they could offer. They refuse to let someone like me get ahead - they're making too much off raising my interest rate. Supposedly they review accounts and interest rates and they'll let me know if a lower rate becomes available to me.

I am plegued with credit card applications. I sent off a letter on 3 Nov 09 to a Mr. Michael R. requesting to be eliminated from [their] mailing list, I am stll getting such mail. I say it again, Get me off of your list, NOW. I am tired of shredding this unwanted garbage. My next letter will be to the BBB with a copy to the CEO. I AM NOT INTERESTED IN [their] CREDIT CARD.

I did not request this cash out and was very surprised to see it was done. When I called to inquire about this, I was told a letter had been sent out notifying me that they was ending the mileage points for this account with instructions for what I should have done and since they did not hear from me the gave me the mere $5.34. The reward should have been 1% or $26.64 if this would have been cashed in by me.

I explained to them that I did not receive the letter they said they sent and requested that my account be rinstated back to its original stae but they insisted rigidly that they could not do this once it had changed. I explain that I lived in apartment community and that the address they had been mailing my statements to was incomplete, without an apartment number. I had once before called them to let them I had not received a statment.

However, they did not care about the circumstances. Ad far as they were concerned, they sent the mail and did not get a response from me. No further argument or discussion. When asked why I was not fairly credited the 1% of $26.64, they said it was up to the Rewards Dept. and transferred me to them. When I talked to them, they said, they caould not help me because they could not retrieve my credit care number in their department and transferred me back to customer relations. Round and round I went with customer relations. Spoke to 4 people (2 supervisors)who admantly said too bad for me. Noting they can do. The Rewards dept decided on the amount.

I think Capital One is very unethical in dealing with my complaint and how they went about removing my rewards( although small) and givng me 1/5th of the value of the cas out amount.

this is december of 2009, and back in july of this year i closed out my capital one credit card because they wanted a so called member fee. since that time they took off that member fee of 29 bucks, and left my outrageous interest rate the same. so while im paying this off, my account is in whats called a "designated to close" state.

anyway this month i received a statement and on it, it included a member fee again. I called them up and said, hey i closed this account and havent used it,, cut up my cards and you so why have you charged me 29$ for a member fee, on a card thats not even being used. their reasoning behind all this was that i hadnt paid off the balance in 90 days and so every six months they charge that member fee.

this was just outrageous!

anyway they told me there was no way to take off the 29 dollars, even though i was paying them about 23 dollars a month interest. I TOLD THEM THEY WOUNDNT GET ANOTHER PENNY FROM ME, AND THEY WONT!

I was just about to pay my current bill when I saw an alarming balance to my credit card bill. After reading this message I surely hope [they] will reconsider what [they] are asking me to pay and provide some sort of relief by making an adjustment to my debt. Your slogan of, "What's in your wallet? Should be, "Let Me Stay in Your Pocket."

During these hard and difficult times when just keeping the lights on, keeping a roof over me and my family's head, and putting food on the table; I have to deal with trying to pay Capital one payment and [they] are just continuing to charge me over limit fees. My balance of $543.52 as of May 27th shows that I was only a little over $6 in over my limit; yet [they] charge me close to $50 in over limit fees. Then to hurt my family even more where again [they] charged me another over limit fee and now my balance is $582.52. Here it is June 26 and I have not used the card in over a month but yet I am close to $100 in charges for the month!

This is exactly what the President and Congress were talking about when they passed a law declaring credit card companies to stop draining the American public into more debt when they can barely keep food on the table and keep their homes. [They] should be a shame that [they] are continuing the same old practices during these rough economic times.

The Bill passed by congress requires that [they] not only stop with increasing the rates [they] charge, but also that credit card companies allow a 60 day window for payment instead of the 30 day because of the struggles that our nation's consumers are now facing. Do I not pay for gas to get to work, my mortgage, electricity, or groceries in order to pay you close to $100 in late fees because my last purchase put me a little over $6 over my limit? I am deeply sadden that Capital One is still practicing how to destroy country's infrastructure by destroying the root of its development; THE CONSUMER!

You can best believe that I will bring my story to the attention of President Obama & Congress should nothing be done to help ease the pain during these hard economic times and make this wrong - right. I have been a customer for a number of years and [they] have only continued to charge me unnecessarily with charges and fees. I pay my bill every month and because of emergencies, I had to use the card in early May.

I still have the same credit limit that I started out with and have been without an increase ever since. But yet still remain in [their] debt and [them] in my pocket! My intent was to pay $25 today (which I will do) because that is all I can afford right now. Mind you, it is $10 more then my minimum of $15 but what will it do? Absolutely Nothing! Why, because you will hit me with interest, another over limit fee and whatever else [they] choose to do because I am at [their] mercy!

In closing, in a time when we as this nation is trying to recover during a very bleak time in the history of this country, [they] still
choose to line your pockets with your credit cards in Our Wallets! I made this complaint and followed every step that they asked. I never received any response to my concerns/complaint and even after they froze my account they still hit me with overdraft/interest/late fees!

They have double what I owed them and doubled my credit limit, yet never gave me an increase and always paid them on time prior to the May incident. Even after they said they froze my account, I now have a bill of $1005.39 as of 12/11/2009! I am asking for your help to intervene on my behalf since Capitol One will not work with me! Thank you in advance for you anticipated cooperation in resolving this matter.

I have been an excellent customer for the past several years and feel that I should not have to apply for a new card as I do not need a second card with the same company. I was told by the supervisor that cancelling my card would be reported to all three credit agencies and would be a negative mark on my credit reports. Regardless of the intimidation of my credit possible having a negative mark, I canceled the card.

I am very unhappy with Capital One Bank. They are increasing my credit card interest rate even though I called in the allotted time to "opt out" and keep my current interest rate and payments. They have no record of my phone call and will not honor my request.

I had met with a consumer credit counselor who advised me to first reach out to creditors to see if a reduced rate could be agreeded upon. I have called Discover card and Chase and both companies understood my problems and had specific programs to help people in my financial situation to pay off the credit card within a specified time period. I would have like the same experience when I called Capital One but there were no programs that they had to help conusmers and the only people I spoke to spoke in broken english and it was as if the calls were being routed to a call center in India where they were told that all they should say is that "we are sorry, but there is nothing we can do to lower your rate."

It really is frustrating because with the additional help we have received from other creditors we really don't need CCCS's help but due to the lack of professionalism and the fact that Capitol One does not have a program set up to help those under financial dire straights makes me want to go to CCCS and have them set something up with Capital One just to get a reduced rate. I just can't believe the lack of professionalism I experienced from a banking institution.

Capital One Health Care Finance went out of business. I have been working on resolving this and kept the patient informed of the problem. The patient has a zero balance and their credit has not been affected. He is making false accusations about me and I would like him to remove this.

My 15.9% interest rate had been increased to 22.9%. I called right away and explained there must be an error. No. They notified me in May that in August my rate would go up. I said I never received any such notification.

I pulled out my old bills to see if it was there and I missed it. They said, oh no, it was sent under separate cover. From there, over an hour of arguing ensued; I spoke to three different people. They kept saying "they were sorry for the inconvenience". Inconvenience!! What kind of double talk was that!! And I said it's hardly an "inconvenience" to have a significant amount of money more or less extorted from me under the guise of an advance notification that I never got. So I went to the web to check to see if others had a similar issue with Capitol One. Sure enough; others on this very site had the same problem with "alleged" notfications that in fact were not received. I've never been late, never missed a payment. Chase also raised their rates but they sent an opt out notice giving their customers the option to choose a higher interest rate or close their accunts.

I called my Congressman and Senators and have begun paperwork for an investigation to proceed. Of course, all the credit card companies were aware that the legislation preventing hikes of interest rates on past purchases had an effective date of Feb. 2010 to December of 2009. I asked my Congressman why they didn't put the legislation into immediate effect when they first wrote it and/or make it retroactive to the date of the original legislation since the credit card companies rapidly stepped up their campaign of exhorbitant interest rate hikes. I was told it's hard to get legislation through. Well, of course it is. Go to opensecrets.org and check each legislators funding from financial institutions......

So basically, credit card companies were given a year's advance notice about what restrictions were coming their way with respect to unfair business practices with their customers. Gee, they got a whole year to Get Out of Dodge; many of us didn't get --any--notification there was going to be new rules. The practices are worse than deceptive; they're parasitic; it's high time American citizens started doing something about our loss of rights in favor of big business corruption. Most of us have lost 25% of the value of our homes going to corporate financial fraud, and we have a 3/4 trillion$ debt to pass on to our children and grandchildren thanks to the bailout of the crooks. At least, complain to your legislator and have them send paperwork to proceed with an investigation.

In addition to this being outright theft, it is an illegal invasion of my privacy. I am the most amazed by the action from Wells Fargo because all my credit bureau reports clearly show I closed my account with them in 2000. I am certain these companies have "shared" my data with their family of affiliates and third party marketers to their additional gain and my additional loss.

I need to know: 1. What is the statute of limitations regarding when a company with whom you used to do business can no longer access your credit bureau records. 2. What are my damages from this egregious breach? 3. What are my damages from Capital One and this third company for stealing my credit bureau records when I have no relationship with them, and have not requested any business from or with them, etc?

The last issue I have is in September of 2008 JC Penney's sent out a notice advising of a change in terms to an existing account. They offered an opportunity to opt out of arbitration, along with the exact steps you had to take to effect this opt out. The terms stated in writing my adverse action would be taken if you chose to opt out of the arbitration. I chose to opt out of arbitration, and followed their exact steps to effect that opt out.

I discovered one night after work when I went to pick up a catalog order from the local JC Penney's store that my account had been closed. I was at the counter after having waited approximately 20 minutes in the long lines at the catalog counter. So my discovery was where I was effectively publicly humiliated by the clerk announcing that my card was no longer any good, that my account had been closed, and that I had to immediately pay off any existing balance on that now closed account.

I called JC Penney's to find out why my account had been closed and I was informed that by my having opted out I had closed my account. This is of course contrary to the written terms. Clearly I had been retaliated against by accepting their offered terms and following their directions. Of course having my account closed also had a negative impact on my credit score.

I tried to talk to JC Penney's to no avail. I wrote to them twice with no response. I finally hired an attorney who also wrote to them. His first letter was not responded to because he had not mailed it Certified. He mailed his second letter Certified, and eventually got a response saying it was all an unfortunate mistake and the account would be re-opened. In the mean time all the credit bureaus had been notified by JC Penney's that my account had been closed by me effective October, 2008.

As of June, 2009, JC Penney's till had not re-opened my account, nor had they notified any of the credit bureaus and corrected the "unfortunate mistake." This is of course in violation to the FCRA laws. Finally I sent them Certified a demand letter for financial damages in July. I believe they finally "fixed" their "unfortunate mistake" in August, but of course the credit bureau records did not get corrected until September. Almost one full year. I am certain my experience was not an isolated event, and who knows how many JC Penney's cardholders got caught in this trap.

I decided they owed me for all the grief they put me through, the fact that I had to hire an attorney to communicate with them, etc. I need to know what my damages are. Public Humiliation, stress, excessive amounts of time, ended up having to hire attorney to write legal demand letters, loss of privacy, etc.

Capitol One had sent a credit card that we nolonger could pay due to my husband becoming ill. They sent it to their collection company called NCO or ISO (can't remember). After paying the amount, which our credit limit was $500 and after service fees, etc. The amount paid was $3400.00. We asked for a letter stating that the amount was paid in full, we did receive one from their collection company(who by the way Mr. Ward from the collection company has no People skills and should be fired) but Capitol One states that they have 30 days to send a letter stating that the account is paid in full, It shows on their records that it is paid. But will not release the letter for 30 days. After two days of calling, you can't get a real supervisor, everyone taking the calls claim they are supervisors or Account managers. After checking with the credit bureau they show that Capitol One shows the amount they are owed along with their collection company that shows that their creditor Capitol One has an account oweing with them. So really! Capitol One can get paid twice for the amount!!!

On my September statement, I noticed a charge for $93.90 at an online retailer. I knew I didn't buy anything, so I immediately called Capital One to tell them my account was used without my knowledge or consent. They removed the charges and sent me a letter dated Sept. 21 that stated the amount was credited. I thought that was the end of it till Oct 7, I saw online that the charge was re-billed. I called again, and was told I would have to fill out a form stating I did not make the charges, and sign my name. The forms never came. I called again on Oct 19, no forms. I called back, on Oct30 (and of course one can never get the same operator) and was told I did not wait long enough, it could take up to 30 days! I called again on Nov. 10, and asked that they fax the information. Again, no paperwork. Another call on Nov 24 finally generated papers that arrived on Nov 27. The cover letter was dated Nov 24, but the forms were dated Oct 7 (stamped "BACKSCAN")and due on Oct 22! I faxed the forms back right away, and called the following Monday to confirm they were received. I was told at that time the matter was resolved, and I would be getting a letter. They refused to tell me if the charges were removed. When the letter came, it stated that I still owe the $93.90!

I went through 3 operators the next call trying to get someone in charge. After an hour, I finally got the "supervisor" to tell me the transaction number and details of the transaction. The purchase was made at the Canadian branch of a well-known retailer and shipped to Tennessee - we all do that, right? I found a customer service number of the retailer, and found they have a fraud department. They couldn't have been nicer - as of today, they tell me they posted a full credit to my account. (I'm still holding my breath till I see it posted on Capital One) I am anxious to close the account, but they won't till there is a 0 balance, they won't even put a hold on it to prevent future problems. The payment was due today, so I paid the minimum just to be sure they don't hit me with late fees in addition to the finance charges they insist I must pay. I can just picture them having drinks on me in Mumbai! (I have the majority of operator numbers and their fake names)

On september 1, 2008 I paid my Capitol One credit card off and stopped using it. On August 27, 2009 I received a call from Southwest airlines asking me if I had just purchased 3 airline tickets online using my Capitol one card. I told them I hadn't and to reverse the charges. I then called Capitol one and told them about the charges and that I had not made these charges.

I asked them to cancel my credit card, they said they wouldn't cancel it but issue me another card which I never activated. They told me to ignore the bills I would get that the charges were being reversed. Two months later I start getting phone calls from them about paying my past due bill, I explained to the person that ould not speak english that I had not made these charges and was not responsible for them.

After 10 minutes of being told I need to make a payment and I refused to do so they told me to call customer service, finally someone who spoke english and she helped me dispute these charges that were supposed to already be taken off. I received a letter from them telling me that the charges had been taken off and all finance charges late fees and credit bureau report would be adjusted, that was Novemeber 20th.

Now here it is Dec 8 and they still refuse to take the past due and finance charges off and take the credit bureau report off. I still haven't talked to anyone that speaks English.

As for me what's in my wallet? Discover

Capital One is guilty of FDCPA violations including calling our relatives although they've already talked to my husband and I multiple times in ONE day. They call before and after hours and from different numbers. They also harrass you. They took 2 car payments out of our account. One was unauthorized. They promised to give back the overdraft feet, etc. and our bank wrote them a letter. We never received the money and then they repossessd the car when we told them they were guilty of FDCPA violations and that we were going to an attorney.

We filed a police report. They trespassed when asked to leave, etc. Their credit card division is worse. We have been called names and threatened. I'm sure we can do a class action suit. Is anyone aware of any that have been started? They need to be stopped and if our government wants to meddle in capitalism (which they shouldn't) and bail out the banks, then they better darn well be the solution and put the smack-down on Capital One. This company is out of control and we all need to do something about it.

Emotional distress, harrassment of minors in my home, my relatives that live hours away, caused my bank account to be overdrawn with unauthorized drawns on the account, broke laws, etc.

I called to question an overlimit fee that was placed on my account after they added a yearly usage fee. They told me that the law passed in May did not apply to existing card holders only to new holders. They said they are allowed to charge any fees they want in accordance to my original agreement regardless of any recent law changes. I pushed and pushed and they did agree to waive the overlimit fee this one time, but insist that they are correct in charging fees to existing customers. They refused to waive the yearly usage fee or past due fees. The damage was a 39.00 overlimit fee, a 39.00 late fee and a 59.00 annual usage fee.

Our company has suffered a loss in the amount of $89,231.44, representing the net amount of the transactions that could not be reversed. Along with this loss we have had to absorb approximately another $70,000 in costs related to this fraud. JM Test Systems, Inc. has now filed legal action against Capital One.

I have had a credit card account with Capital One since 2001. I was never late, never missed a payment and always paid above the minumum due. I was not notified of a change in terms to my fixed rate credit card which is now a higher adjustable rate. There are many other complaints on this website stating they too did not receive the required Notice of Change of Terms. I only happened to notice the change after 4 months, never expected it since I had the same rate for 9 years. I immediately contacted them to opt out of the change of terms. Customer service insisted I received a Notice of Change in Terms in May, and that my account has always been an adjustable rate APR, however I have kept accurate correspondence from Capital One and did not receive the Notice and my statements clearly state a fixed rate prior to July 09. I faxed copies of my statements along with my letter and my original letter from them when I opened the account. No one will contact me back. In fact I have been transferred 6 times and hung up on twice in the last 2 days. I am also unable to "opt out" of the change in terms since the time period for that has expired. Therefore I am now forced to pay the higher interest on a closed and unusable account.

Every time I was set for an increase of my limit I will mysteriously go over the limit. I asked the lady how can I go over the limit if I haven used my card. She gave the run around saying that a charged didn't post yet and I had no available credit to use and that made me go over .I told her the statement before I was billed for that charge and paid that bill she then proceeded to tell me that same thing again and I asked her I had already pd that bill in the earlier statement and I asked her why is it when I'm eligible for an increase I go over it never failed. I told her I was dissatisfied with them and I wanted top close my account and she supposedly did and she explained to me about paying off the balance and I agreed to pay off the 500.00 the over limit fee.

Then I stared get bills for over the limit and late charges finance charges so now a card that was 500. i now owe over 1000.00 dollars which 700.00 is fees I don't think that was fair and when I tried to get someone about my account they kept saying their was no one. So here I had a negative credit rating because I haven't been able to pay this account minium payment 388.00 out of the world interest rate increased on a card that was supposedly closed. all i wanted was for the lady to explain how could I go over and already have been billed for a transaction have it to come again next month and throw me over the limit I have had it with these people. They continue to say there no one else to talk too. They got my cell # and calls me 4 to 6 times daily and my home phone also 7 tomes day It is aggravating. I know I owe the 500. and will be willing to set up some arrangements to pay that amount. But If your account is closed how are they still able to bill you monthly. they are some of the rudest people when trying to have a conversation every word is pay your bill.

I had 2 cards with Capital one. I made a balance transfer of 3000.oo on one card at 5.99. They transferred it after one month to the other card and made it a 17.50 cash advance. After 3 hours on the phone no one would correct it. I paid it off and hopefully closed the account.

[A person] was found to be embezzling money from her employer and paying off not only my credit cards but also her friends credit cards as well..long story short i called capitol one and asked to put my account in suspense and to put a fraud investigation in it till i can figure out how the money was dispersed and have them set up a restitution account in [person's] name. I was told fat chance..they was me to pay. Bad customer service and not very understanding of this situation. I have all kinds of supporting documents to support me to include a police investigations in two different states. They (capitol one) didn't want any part of this supporting evidence. Bad credit, loss of job and loss of clearance in the military!

5 months ago, I was unable to pay my monthly statement/minimum balance on my Visa card with Capital One. I am a self-employed Home Planner, sole proprietor, zero employees and I work from my home and have owned this business for 18 years now. The housing market is miserable with little or no work in our area of Southern Illinois so I turned my attention to other work, namely smaller commercial projects. It has kept me busy but I have seen my income decrease for the past 3 years, and am experiencing much longer time spans to collect money for the work I do.

Being late with this payment caused a $39.00 fee to be charged to my account. This fee amount put my balance over the limit of my account. Another over limit fee of $39.00 was charged to my account. I have tried repeatedly to talk to Capital One to have these fees credited back, I even asked about the high interest which was being charged due to the balance increasing, and was told they could do nothing to help. Needless to say I was mad.

I have a Capital One Business acount and the same thing happened that month, and when I explained the same reasons wy I was unable to pay the minimum amount by the due date, their representative took the time to work with me by crediting the two (2) fees to that account back, to lower my interest rate and to waive any fees for the next three (3) months in order to help me get caught up. I was very thankfull for his help and I now am current with that account.

When I told Capital One that their business division was ready and willing to do this, I was as much as told that they were a different division and would not do the same. I have not and will not make another payment to this account since Capital One will not stop at harassing me with three to four (3-4) harassing calls each day, each week, each month for the past two months. I have offered a very practical and fair solution to this problem by asking them to set this up as a simple interest loan for no more than four (4) years so that I could pay the balance with interest and know that I was paying down the principal, and to have my Visa account closed.

I have faxed this information to their office to the number given to me by one of their supervisors and have received no reply. I asked that they do not call me any more to harass me with their collection methods and they have not responded to that request either. The calls keep coming.

I am at my wits end on this but I will vow to allow my credit score to fall to a 300 level if that is what Capital One wishes to do to me. They have already caused damage to my credit score over this and I was told by their collections department that they would continue to do so. Is there anything someone like myself can do to remedy this?

Our Daughter went missing recently and was found by the police after having tried to commit bodily damage to herself. I was later told that our Daughter had a couple of very serious issues including theat she felt she was adding to my already difficult financial situation and she did not want to be a burden. I/We love our Daughter more than life and would give up all we have for her and our other two children. This information has realy caused me to think long and hard about what is important in life. I will close with this: I will not continue to feed the obscene salaries of people like Richard F. of Capital one anymore at the expense of my family. I would sooner revolt against people like him who are paid more in 6 months than my Wife and I will earn in our lifetimes.

continuous calls in regards to credit card payments. calls are made 6-10 days before the due date on the monthly statement by persons not even located in the united states. 5-6 calls per day are being placed saying that payment is due although the paper statements indicate a later date, they keep calling to try and get money delivered over the phone earlier than it is required to be paid, they are rude and barely speak english.

I had closed my account in October,paid off the balance in full, and received a tracking number stating the account had been closed. I just received a new statement with a charge and interest. I called and spoke to an account manager who was rude and told be the account was not closed as I had directed.

I was trying to get determination why there required montly payment are less than the required amount of money to bring in under the required credit limit. I was behind on my account and made the required late payment to bring it current. the problem is during this time even with the lump sum payment to bring the account current it wasnt enough to bring it under the credit limit which means they continue to charge me the 39.00 fee every month.

Due to financial hardship I tried to make multiple arrangements with Capital One while still trying to make a payment in any amount I could. I got nowhere with Capital One as they tried to arrange $200.00 payments a month to pay off the debt (900.00 Dollars)when I could not make a $40.00 payment. We have an extremely limited income right now and I have done the best I can. They would not budge in the least but kept on accruing interest galore. I even made an offer to them about another payment option they could consider and would be beneficial to both of us but to no avail. One representative even hung up on me when I tried to negotiate.

Finally the hardship department called me back in October and told me they took my account out of collections (didn't even know...) and if I made a $22.00 payment still in October and then $40.00 during the next few months I would be on track again and up-to-date. So I sent them $22.00 in October and just got a letter from them (November) saying that they understand my situation, appreciate me making the effort to try and make payments but I was now too delinquent and the account was now charged off, my credit marked as extremely bad (the worst there could be, I think they said) and my account would still accrue 19.9 % annually.I do all communications in writing now as I do not think this is a credible institution. In the past I have sent payments on time and was charged a late fee because they said it didn't get there in time and I had no proof that it got there on time. I will continue sending the amounts I can send. I have not received a written confirmation of a payment arrangement nor have I received a balance statement for any payment I sent in the past.

About two weeks ago I called Capital One with the intention to come to an agreement and close my account. At the time my balance was a bit over over $1,000 but they were charging an enormous amounts for late fee and over the limit credit. I told the representative that I was going to be able to be making the payments anymore and that I offered to pay $500 to get my account closed. The representative said that he wasn't able to close my account if I paid the $500 but that he can do it if I pay $660. I asked the representative to send me a confirmation over e-mail to make sure that was going to be done but he said that I would receive a letter in the mail where it would said that my account was closed.

Last week I received a letter saying: Congratulations on accepting Capital One's fee credit offer. Your count will be credited for $100, as discussed during our phone conversation. In exchange for this credit you have agreed to the following payment schedule $660. First, I was never told that the payment would only give me a credit of $100, I was told that it would close my account otherwise I wouldn't have made that payment. After receiving the notice, I contacted Capital One, and told them about what had happened, and all they could say was "I'm sorry there was miscommunication, the most we could offer is a $100 credit towards your account". This is very upsetting and companies like this show how little ethic they have.

I received a "Pre-Approved" credit card from Capital One, I activated that card and was told that all was well that I could use my card. However when I tried to use my card it was rejected causing me GREAT EMBARASSMENT! I called Capital One and they said that I need to send in additional documentation in order to process my account. I can understand needing this documentation BEFORE the account is opened and I don't have a problem with this, however because of the very embarrassing situation I was frustrated and requested that my account be neutralize seeing as to it was obviously never really opened. I was informed that it was show up on my credit report as a canceled account which would adversly effect my credit rating!!! How could this be? Obviously the account had NEVER been officially opened or activated because I needed additional documentation, so if it could never be opened, how could it be closed?

I am another one of the many consumers with excellent credit that had my APR go from 7.9 to 22.00% I did not recieve notification and therefore missed out on the opt out option. I paid 6,000 off in two months so that I could be completely done with this unscrupulous company. I did not have time to change my automatic health insurance premium and therefore I was charged interest again! even though I had paid the entire balance the month before. I paid hundreds in interest that I never agreed to. UGH! I have had it with this company. Their practices are usery and their greed is out of control.

We have been Capital One customers for a while now and have a $15,000+ credit limit. Last month we paid off ALL our credit cards including this one. I called to find out what the payoff balance was and they told me the same amount as in the statement. I immediately submitted payment and considered it one Credit Card paid off!.

Today I was opening mail and filing as necessary when I came across their last statement. I opened it knowing it was paid off and to my surprise, there was a "finance charge of $106.73!! I immediately called customer service since the bill was due today and this is pretty much what it boiled down to: I nicely asked them to waive that charge and he insisted he can only wave $10.00. I tried negotiating half way and once again he offered the $10.00. By now I told him how disappointed I was and if the issue was not resolved I would gladly pay the fee and close the account to which he responded " your balance is... and I can close the acct. after the payment clears!!" Wow, I am not to react when overly upset (you would have never guessed by the calm tone of my voice) but I truly was upset. I told him I would call back.

GOODBYE CAPITAL ONE!! One less headache in my life!!

I requested a "special finance rate" of 3.99 percent to pay off a Wells Fargo auto loan from Capital One. The total requested was 7,143.00. The agent I spoke to ended up charging me TWICE, so now Capital One says I owe them over $14,000 and they only paid the 7,143.00 to Wells Fargo. I have made phone calls, written a dispute letter and mailed via US certified mail, sent faxes, and no one will help me. This charge is still on my account. It has been less than 30 days, but when I call them, I usually can't understand the person on the other end and they don't seem to understand what I am saying....they inform me that I am "over my limit" and would I like to make a payment?? I did manage to navigate my way up 2 levels on the telephone and the farther up I got, the more clearer the english became....but I have only received LIP SERVICE and no one to help me.

I got a response from Capital One from the dispute letter I sent today....it told me that they were thanking me for checking on "FINANCE CHARGES"!! Say what?? I keep sending e-mail messages through my account and the response I get must always be an electronic brain response as they never address the fact that I am disputing a charge made by THEM, THE VENDOR...just a thank you for my being a customer...say again..WHAT?? I have had a Capital One account for over 10 years, never late in paying, and usually pay the entire balance off. If I EVER get this straight, I will find the money some way to pay them off and I will NEVER NEVER EVER do business with them EVER again!

capital one still needs more time to let the bill cycle one more time to close because they added a charge for three dollars and seventy cents. The account was overpaid and they had to send me a refund check and then sent another 3.70 bill afterwords. I thought they had my money long enough and then they want to charge me for having it. Capital one needs to close this account. The total money makeover is the best book to read. I have more cash on hand than i had in credit available and will never need a credit card again

This incident, to be honest, started with my online mistake with a balance transfer. I immediately called CapitalOne to stop the transfer. I was asked to call back in two hours. I called back and was told by another person to call back the next day. I called back and was told by another person to, again, call back the next day. In a two week period I called Capital One so many time, I lost count. I would guess it was about 8-10 times. No one could help or took ownership of the situation.

Finally, I called my bank and reversed the transfer. However, I then received a bill from Capital One for finance charges, but also received a letter from them saying my account was closed and to disregard any charges. Now I have received an over due notice for those charges. I called Capital One this morning and was told they could only wave the late fee. I asked to speak with a supervisor and was disconnected.

I called back again and spoke with a supervisor who said that since this issue was from September, there was nothing I that could be done to wave the finance charges and there was only a small window of time to recetify the situtation, which I missed, and when I pointed out all the phone calls and conversations I had with her company on this topic, she said there was no record of those calls.

My words of wisdom for everyone out there is to avoid this company due to their terrible customer service. There are plenty of other credit card companies who will treat you as the valuable customer you are. Basically, to relieve the stress of interacting with Capital One, it will cost me $18.71 to hopefully make them go away forever. However, from a customer service stand point and the overall waste of my personal time, the damage to the Capital One brand is irreparable.

I have been a customer of Capitol One for over 9 yrs. Never been late, usually paid more then min. payment, and now they are increasing my my interest rate to 17.99% on my old balance, effective Feb 2010. My old rate was a high of9.99%, and some special offers were as nlow as 2.99%. I am retired, and this increase is making it all the harder to get it paid off. I told Capitol One I wanted to cancel card so I would not charge anymore by accident, they told me that if I canceled I would forfit my 31,000 rewards.

I will keep my account open because I don't want to lose that, but it is so unfair that they can raise my rates on an old balance. I can understand if they want to do it on a new transactions but on an previous amount it is unfair. Is it because I am a woman or because I am a senior? They say no, but makes you wonder. Is there anything I can do to keep my old rate. I can not afford to pay it off completely, but I am making more than minimum payments, at this new rate I will never get it paid off.

Everything keeps going up and but I will not be getting any increases on SS, that is another story. What can I do about the 17.99% on my old balance? It is like I am being penalized because I can't pay off my balance, I have no option but to pay 17.99% on my balance. I don't mind paying off my balance, I spent the money and I am willing to pay it off at the contracted amount. I have excellent credit, always have and I want to maintain it, I don't want to not pay, I want to pay what I contracted to pay.

I am only 22 years old and have recently have had a strong interest in my credit report. With some many issues with the economy, I want to make sure my credit is in tip-top shape. I just checked my report to make sure everything was in order. I noticed that Capital One has made several inquiries on my report. I have never done business with Capital One. No credit cards, no loans, no banking. They have never asked to review my credit report. I don't want these inquiries reported by them to keep showing up!

Capital one needs to double screen people they hire to represent their company and make sure they haven't been ordered to attended anger management classes. The local trash company has better pr people! Kevin, rep 082 has some serious issues going on, or, does Capital One go out of their way to hire such RUDE idiots?

Today, Nov. 14, 09, I received a notice that begins with "At Capital One, we are committed (which Kevin should be)to providing our customers with honest and timely communications. Today, we're notifying you of changes to your "Penalty Rate", followed by underlined, Please take your time and read the following notice carefully so you understand the impact to your account terms." What? I have had my Capital One card for a great length of time, (by the way, is a Platinum Card)and from the inception of my utilizing the card, I pay the balance in FULL EVERY MONTH without fail.

Why am I angry? The "Important Notice" of a change in terms, raised my interest rate (which I never pay as Captial One receives full payment each month) from 3.25% to 29.4% The reason conveyed on the notice, *you triggered your Penalty rate by paying us three or more days late twice within 12 consecutive billing periods" Kevin informed me I was late ONE TIME BY 3 DAYS! Once I began to challenge him, he became rude, disgusting, argumentative, and any other adjective that applies. (use your imagination, doesn't have to be clean)

The entire time, he has my payment record in front of him and tells me I have a $39.00 past due balance, which in fact is a $39.00 negative balance. (obviously, Kevin can't interpret negative from positive) Reason, my secretary paid the bill and I in turn paid it also. My current statement reflects that Capital One credited (adjusted) my account by REFUNDING a $39.00 fee adjustment. But Kevin is so busy attacking me with "you agreed with terms of the contract, that allows us to apply changes" it became impossible to reason with him.

A screaming match insued and he informed me that other customers, due to the economy, are either late or not paying so Capital One has to recover their losses elsewhere. It's not up to the consistant, on time paying customers to pay for those who can't pay. I know times are tough, and Americans struggle every day to make ends meet and I hope they are able to recover. But DO NOT get an attitude with me Kevin.

As I mentioned, Captial One, together with other credit card companies continue to screw each and every card holder before the government puts the lid on their sorry behavior, and they are attempting to recover their greed at the cost of the honest consumer. So, as far as I'm concerned, CAPITAL ONE OWES ME AND KEVIN NEEDS TO BECOME A JANITOR! QUESTION: DOES KEVIN PAY HIS BILLS ON TIME? KEVIN SHOULD BE GRATEFUL HE HAS A JOB AT ALL!

...if I choose to use a credit card, I will probably make Capital One my last choice, but if necessary, I'll use the Capital One card. Kevin will not have to deal with me again, as I will cease using my card. Penalize me for that you jerks! Additionally, I did ask Kevin if I could call him back after credit card legislation hits their world in February and he said I could. Lookin' forward to it Kevin! And on a personal note. My cousins' son was deployed to Afghanistan two weeks ago, to allow you freedom to conduct yourselves in a deplorable manner. His birthday is tomorrow. How will he celebrate and will he survive to do so?

Due to the fact the fact that each time I had a concern with Capital One, I took notes, including dates and description of event. I am an honest, responsible person and paying for others indiscretions shouldn't cost me my credit rating! These credit card companies should be inflicted with numerous penalties by our government. Why do we continue to bail [them] out at our expense? Just doesn't make sense!

I just received a notice from CapOne that my APR will increase to 29.4% (from 3.5%!!) beginning in January 2010. The reason, they explain, is that I was more than ONE DAY late paying my bill on two occasions, over the previous 12-month cycle.

To be fair, CapOne did send out a notice in Feb. '09 warning of such a policy change. (I remember thinking how it would be almost impossible to NOT get this rate increase, and wondering how many thousands of other customers would be affected, thereby making MILLIONS of dollars for CapOne). In their minds, CapitalOne is covered by having sent out this notice and as I was told by Linda there is nothing that can be done to lower the rate.

I asked Linda how many times I was late making my payment, answer was twice: August and September of 2009. When i looked at those payments on the computer, each was paid online and each was two days after the due date. Two days! And not just the $30.00 minimum, either - $120.00 each time. Linda replied to me that it would not matter if it was one second, one day or one year - LATE IS LATE. She then told me that I should sign up for a service to automatically withdraw my minimum payment every month, and after 12 more months my rate would return to the pre-penalty rate. Awesome. As i complained that this is an unfair penalty to assess your customers for being one or two days over due, Linda told me that life is unfair "sweetheart" and to get over it.

Our company intrest rate is 0% and will increase to 6.99% on 1/23/10. We receive checks from Capitol One (Visa) all the time stating use as your same apr with no fees. I called to get info due to a increase rate on our Chase credit card from 7.99% to 19.22% which we cancalled to see if we can use to pay off. But advisor stated to me the check will be good for the 0% until 1/23/10 and then will be charged the 6.99% when it increases. Nothing about increasing higher then the 6.99%. So I stated does it look like our account will stay at the 6.99%. So he stated let me see if your account is being affected. So he came back stating its increasing to 17.9% on 2/1/10. We have a 50,000.00 limit on our card and we use it for job materials for our business. We have had this card for over 20 years, always paid more than whats expected, no lates and no overlimit fees. From our 6.99% to 17.9% thats just robbing business that have money and can pay. Of Course this card will be cancelled right away. The agent also advised me that they sent us a disclosure about our increase in Feb of 2009 for the increase in Feb of 2010. A year before the increase raises and they dont have to send anything else to advise us. We never recevied anything in 2/09. They just want to get you in at the intrest rate higher with you not knowing and you cant do anything about it.

I received a written notice that my interest rate was increasing from 9% to 29% unless I cancel my card. When I tried to cancel my card (opt-out and decline their generous offer of 29%) I cannot get through. There is no address given to write to, just an 800 number that disconnects my calls.

I applied for a zero percent interest card for a 13 month period of time and paid the balance due before the end of the 13 month period. In my last billing statement, they charged me $93 in finance fees and then continued to charge me $29 each month in late charges (but never sent a statement). I thought my balance was zero until I received a letter that stated I was past due and owed $129 or so dollars. I called and spoke to someone who advised me that the balance on my account was zero and the account was being closed du to inactivity. A month later, I got a letter from my mortgage company indicating that my equity line was closed due to a negative report on my credit. When reviewing my credit statement, it was from Capital One. I called Capital One and tried to get it resolved and the account manager who helped me was condesending and rude. He told me that there was no record of the call I made originally in the system regarding the past due balance. Finally, after over an hour of me explaining the situation and him putting me on hold, he came back and told me that it was worth my wait because he indeed found a note in the system indicating I had called and the representative told me my balance was zero and the account was being closed.

I paid to close the account in full including all the fees. another charge hit the card before it was officially closed and somehow they showed me owing the fee again as well when I paid the new final charge.

On Nov. 3rd I asked for this rate increase to be reviewed and retroactively adjusted since the increase began in Sep. My basis for this request was that the first late payment was due to a natural disaster which at the time Capital One acknowledged.

On Nov. 11 I called Capital One to check the status of the investigation. I was informed my request was denied but there was no explanation relative to my specific issues (i.e. a canned form denial).

I informed them I would make another request to Capital One and also copy the appropriate regulatory agency.

I believe there is more to this and Capital One like many credit crd companies and pushing the envelope to find new ways to generate income.

I understand that the balance would remain until paid off, I just no longer want to do business with them. I want it to be reported to the credit Bureaus that it is was an account closed at consumer's request on 11/9/09. I do intend to have it paid off by the end of the year. I am upset that they refuse to honor my request.

I held a nearly $2,000 balance on my Capital One Credit card for over a year and realized that I was never going to be able to pay it off due to the ridiculously high 29% interest and occasional late fees, which I think were frequently added due to them not applying payment in a timely manner. I got a consolidation loan from a bank and pulled the statement for the account so the bank could pay it off. The payment applied on Nov 9, interestingly they are now showing a balance of almost $65 dollars. On the day they received the "payoff" and letter to close account, they charged me a $39 member fee and according to them residual interest from Oct. Why was that not reflected in my balance due online???? Sounds like a way to keep collecting interest on a nonsense charge!!

i received an offer from capital One.. seeing there commercials i figured they were a reputable company.. wow.. i was wrong about that.. i should have read all of this before i got approved.. i was given a $200 credit limit.. mind you they add that $39 membership fee.. i, thinking that my credit score was going up.. hence the offer from Capital One.. i didnt research it first.. now i definitely know better.. anyways.. i never activated the card.. it's still sitting in my drawer.. so i got a call today from capital One asking if i got my card since i didnt activate it.. they assumed i didnt get it.. so i told them that i will not be activating it.. and that i will be paying the ripoff amount of $39 and closing the unactivated account.. and i told him i read on the internet about how they rip people off and that even though they close there account you guys still leave it open so that it can accumilate fee's to the point of going over the limit.. before i could call them on there scheme.. he hung up on me lol.. sucks to be called out huh..

anyways.. my only fear is that they wont close my account.. (even though i didnt activate it) and they will forget or not send me a letter showing my account closed.. and charging me fees.. also not sending statements like some of you have not gotten.. i can honestly say.. this company scares me.. and i havent even done anything wrong yet lol.. i will pay there $39 dollar fee 11/12/2009.. my due dates not till the 11/23/2009.. but i hope they dont "delay" it so they can charge me a late fee.. and i will close it.. but i need to make sure it's actually closed.. and i dont know how to make sure of this.. now you can see why i'm afraid of them.. they seem to have no regulation.. and can do whatever they want.. thats why i'm afaid of them.. it's really sad that this is the case.. shame on me for not resaerching them first.. i hope someone is smarter than me on this.. and i hope i can close my unactivated account without an issue..

I used Special 0% APR access checks that claimed to be 0% interest for 12 months. I pay my balance in full each month to avoid finance charges, and I usually charge between 2,000 to 3,000 per month. What they neglected to mention was the only way these are 0% finance charge is if you have no balance at all. Payments are processed to the lower APR balances, so the amount paid went to the 0% balance, not the purchases that I made. So I paid my balance, minus the amount of the access check, but this was credited in such a way that I was charged $46.67 in Finance Charges the next month on my purchases.

Today, 11/9/09 was another attempt to obtain a breakdown of charges on my account. I called the number at NCO Financial Systems taken from a letter dated June 10, 2009; only to be transferred to Alliance One.

When I received my November statement I had a finance charge of $31.79. I called and spoke with Madison. I explained my situation which was 1 year with 0% interest and Capitol One charging me interest prior to the year being up. She informed me that she would request a credit but I would still need to pay the bill because the credit would not be applied to my credit card until the next billing statement. I asked to speak with manager because I wanted to avoid making another payment for what I believed to be their error. I was transferred to Pinkie who proceeded to tell me that she would issue the credit but I was charged interest as of 10/1/09 even though the advertisement stated I wouldn't be charged interest for 1 year. Since I opened my account on 10/21/09 and they were charging me interest prior to that date I felt it was false advertising.

Pinkie placed me on hold and when it was picked up next I was speaking to Pauline an account manager. I was not told I was being transferred. I explained the situation again to Pauline who was extremely rude, informed me that they are not allowed to issue credits for finance charges and she didn't know what I was talking about. When I told her about the two previous individuals I spoke with, Madison and Pinkie, she told me she didn't know them but I was misinformed. When I told her about opening my account and being charged finance charges prior to my 1 year date she informed me that in order to avoid finance charges I had to pay two consecutive bills in full which I had not done therefore I was charged and there was nothing she could do for me.

I went back and read the disclosure for the 0% interest accounts and no where is it clearly stated that I must make two consecutive payments in full to avoid finance charges being charged prior to my 1 year. I believe this is shady business practices and I would discourage anyone from doing business with Capitol One.

I have closed my account. I actually asked Pauline to do so in the same conversation where she informed me she didn't know those employees who transferred me and I wouldn't be receiving a credit because I didn't do what I was informed of on the back of my disclosure notice. Hopefully I will not have any additional problems with this company.

I discourage any and every one from doing business with this company. They have very poor customer service relations and they have questionable business practices. It would seem they are notorious for unclear business practices and prey on individuals who are trying to rebuild their credit or are just starting out. There are better, more reputable companies out there. Providian and Citibank is just an example of a companies working for their customer not against them.

One day several months ago I tried to make a purchase using my Capital One credit card. The transaction was declined. I contacted the company and I discovered that my credit line was reduced from $4,300 to about $600, which represented the balance on the account not including the car repair I had just added the previous day. The net result of this was that the new credit line was $800 below the actual account balance and the credit line had been reduced without cause and without notification. After two days of arguing with them, they raised the limit to the account balance but they refused to return it to the original amount.

In addition to not having any available credit, the FICO ratio by which a person's credit rating is influenced is not hit with a negative rating since the debt to credit ratio jumped from 10% to 100% because Capital One lowered the limit and not because I had run up the balance. I am never late on my payments and I always pay a lot more than the minimum payment and so they had no cause to lower the credit limit by any amount. The following month, I discovered that they doubled the interest rate, again without cause and without notifying me. With both events they told me that they sent out notices, but I never received one and I made them aware of this.

This information changed nothing. I didn't like the reduction in the credit line but I still continued to pay the monthly bill. When the second offense occurred I was so upset by it that I originally wasn't going to make any more payments because they were charging me twice the rate of interest that the purchases were made at and this is wrong. However, I decided to go ahead and make the payments to eliminate the balance. Today, I went to use the card to make a gas purchase since I was running low on money until this Wednesday, but the card was decline.

As a result of not being able to use my card the price for the gas also includes a $30 NSF charge that the bank will charge me for over draft protection. This whole thing is beyond frustrating and is morally wrong. Credit card companies should not be allowed to reduce the credit line of its customers unless there is a problem with that specific customer. In addition, credit card companies should not be allowed to change the interest rates on past purchases. Those purchases were made based on the interest rates at the time of the purchase and should stay constant. New purchases can be charged at a new rate if there is a new rate.

BEWARE OF THIS COMPANY and their credit card practices. They are EXTREMELY conservative when it comes to credit limits, yet very AGGRESSIVE when it comes to interest rates. I have a FICO score of near 700, a second CC opened approximately the same time as the Cap One card with a similar credit limit ($1000). During the past 6 years I had the second CC up my limit to near $10K, yet was only able to get my Cap One limit raised $300. I have paid the account off earlier last year but have used it periodically to avoid getting charged for any inactivity fee.

I also received the $59 member fee this month, which I have received in the past. However unlike other years where I have been able to get this fee removed, Cap One would not remove it this year. So I closed the account. I let Capital One know my feelings by emailing them at their site and asked them if it was really worth losing yet another customer basically over a $59 fee they won't collect now since I closed the account?