Capital One - Payoff Arrangements

I pay my credit card bill online every month. This month I paid $100.00 as usual, but Capital One took the full amount I owed out of my account ($1695.68), and completely emptying my account! When I called the customer service number four times, all I got was, "Yes, we can do that in five days!" I am stuck in a hotel, in Louisiana. Capital One refuses to expedite their process, or escalate the request above the call center manager. We are now on the street with no money or food, and 2000 miles away from home. The childhood cancer charity event that I am involved may be completely shut down. This was my military retirement check they took without authorization, and they don't want to give an exception regardless of the outcome.

Last November, I received a letter from Capital One stating that if my balance on the account went to $35.00 instead of my normal $15.00, I would have to pay the balance off. At least, that's how I interpreted their letter, so I did not opt out. My payments were immediately raised to $35.00. I also had to pay $1,800 for dental work (still unfinished) and my rent is going up. Since my "nest egg" was spent on dental work, the only income I have is that of Social Security. And I have other debts. We worked out a plan through their "hardship department" for lower minimum payments for three months.

Even though I have a month left, I got a call from them "regarding an important business matter," a collection call, in other words. To keep this account, I'm supposed to pay $75, the minimum payment for three months, minus what smaller payments I made. This wasn't spelled out during our phone conversation. Obviously, I can't do it. The options they gave me was to 're-age' the account for another three months, which would wipe out their $75.00 fee. During those three months, I can't use the account. This isn't something I can afford to do, either. I told them I'd draw up a "letter of intent", stating I'll pay the account off at $15.00 a month. Then, the bombshell, they will continue to add $35.00 late fees every month. In essence, I'll be paying this account long after I'm dead and it will never be paid up.

I have had my wages garnished three times from this company. Is there no end to this? I do believe that the debt is beyond the statute of limitations. How do I get them to stop?

I have called them twice to obtain some help with paying my bill either by reducing the percentage paid or interest, with comments resulting in, "we can't help you". I have paid one bill late because I had cancer surgery, and they have called ten times a day since then, until they received it. If someone's always paid on time for the past twenty years, wouldn't you try to obtain good customer service?

I have been paying down this credit card for some time now. Due to financial hardship, I was behind in my payments. I have been making payments since the suspension and have done so on a monthly basis. Capital One suspended by account and would not re-activate it. Now they are charging me a $39.00 member fee, which is of no benefit to me. I don't want this account, and they will not close it until the full amount is paid. We're talking about a balance of approximately $750!

I do not have the credit card and have not for a long time. I can't use it, although they still want to charge me $39.00. They give conflicting information on the phone, so my time is useless working with these people. Who owns Capital One anyway? I have dealt with Bank of America and Chase with my credit card accounts with them, and they have been willing to work with me to get these accounts paid off. These accounts are much higher than $750.00!

Yes, I did have a balance on my Capital One master card ending with 3560. I was making my payment on time. I had a health problem come up [cancer], so I called to say I would be a little late on upcoming month payment. A lady at Capital One,1-800-955-7070, told me that I needed to get in the re-age program and if I made 3 payments on time, I would not be late or past-due, which I was not already.

Capital One sent me the paper work of my acceptance into the re-age program. I made my 3 payments early. First one was 98.00, 2nd one 101.00, and 3rd one 100.00. All this time, I was getting a monthly statement that was not showing these payments being deducted from my balance plus an interest growing by the day. I sent the 3 payments to a different address from my normal statement address. I called the re-age phone number, 1-800-955-6600, and was told each time not to worry and that it would be fine.

The 3 re-age payments were higher than my regular monthly payments. When I called regular customer service they acted like they knew nothing about any re-age program, and I was way behind and in trouble with my account. I called at least 2 times to 1-800-955-7070. On my monthly statements, it even showed available credit open. These people do not even know what goes on inside their own company. I have paid off the entire balance in full. Capital One even tries to trick you when you send your final payment in.

The next month, I got a statement for 3.05. They were hoping I would overlook, so they could charge 35.00 for late fee, but I did not! So, I just got a statement this month, saying that it was paid in full and my account had been cancelled. The last lady I talked to at customer service was very rude and could have cared less if I was a Capital One customer. By the way, she knew nothing about the re-age program, even though I have a letter of completion from Capital One. The last lady I talked to said my account was default. If so, it was Capital One who made it that way!

We have been paying for the credit card's payment protection plan for years. It covers both my husband and myself. When I called and asked about using it due to my 2 1/2-year long unemployment, I was told that I didn't let them know as soon as I was laid off so I can't use it. The time limit for notifying them has already passed. Apparently, they penalize you for paying your bill. We had never been late in all the years we've had the card and we had an excellent record. They would rather pay the bill, than us, I guess.

In 8-2010, we started to have difficulties to pay our bills. We decided to apply for a debt consolidation program with Greenpath. We had 5 credit cards. The Capital One card was the one with the higher balance of $ 4499.12. We tried as much as we could of keeping our payments. But the minimum payment was too high and out of our reach ($152.00) at that time. I called them many times to try to get a lower monthly payment, but it was unsuccessful. The minimum started to go up. And today it is $860 to put my account up to date.

The problem is that while the minimum payment was going up, Greenpath started to make monthly payments of $85 to these accounts, sometimes double payments. They were trying to fix the minimum payment issue, which is a total of 12 payments, $1,020 from October 2010 to August 2011. They charged us late payment fees for a total of $295.98, even though we were making the payments as agreed with them through Greenpath. Today's balance with Capital One is $ 4,306 and going up. It is the same balance as a year ago. The $1,020 that we sent them didn't affect at all the balance. They keep charging a late fee of $35 monthly. They charge $5 monthly for membership. And to finish, there's no way to have a conversation with their customer service. All the agents sound like programmed to request the minimum payment or there's nothing to do to help me at all. I still have the account with Greepath, but it is not helping. We are wasting our money.

I lost one of the incomes in my household. For the first time in a very long time, I was forced to pay a couple of my bills late. The bill I chose to pay late were bills with very low minimum payments, $15-$20.

Only eight days late at the time, I began receiving calls from these creditors, understandably. The problem is the frequency of these calls. I came home from work one day to find 22 missed calls. Capital One is leading the pack with a call about every hour.

I'm not denying my debt. I just don't want to be harassed for $35. Creditors should only be allowed to contact your home once a day. Honestly, I've turned the ringers off on my home phone. I work six day a week and I don't wish to be awakened by Capital One at 8:00 AM on a Sunday morning.

I went to the bank to pay my bill. I am recently unemployed. While I was in the bank I received a call from a company that wanted me to fax over my resume, ASAP.

I asked an employee of the bank if they would fax this resume and she told me to talk to the manager. I spoke to Malena ** and she told me she wouldn't do it. She said she would lose her job if she did it. There were many things I wanted to do with Capitol One after I got a job, like opening up a checking and savings account, having my paycheck directly deposited, also maybe refinancing my home. Ms. ** is very unprofessional. I don't think that's the way to treat customers.

Back in the winter of 2005/2006, my husband and I were in the process of buying our first home. And in order to get our loan, we had to pay off some of our small debt. We decided that since we hardly ever used our Capital One credit cards, that we together would pay them off and close out the accounts.

Later, after we got the loan and had paid off and canceled the credit cards, Capital One sent another billing. We promptly contacted them and told them that the cards had been canceled and paid off in full. The person we talked to said not to worry about it and it must have been a computer issue.

They stated that they took care of it but 6 months to a year later, we received a letter from a collection company stating that we owed money to Capital One. Again we contacted them and explained the situation that they were paid off in full and canceled.

They then started calling us. When our children would answer, they would tell them that if their loser parents didn't pay the bill, they would take away all their stuff and they wouldn't have a place to live. The one time when I talked to a lady, trying to explain the situation in a very calm way, she became very, very belligerent and started yelling at me. My husband took the phone and told her if she didn't settle down, he was going to terminate the call. He then told her that we wanted proof, such as receipts, signatures and statements, that we owed the money and that we had that right.

We never heard from that company again. I called Capital One credit card again and they had no records of us even being customers! A few months later, another collection company sent us a bill stating that we owed the money to Capital One credit card. Yet again, we explained the situation and they had their attorney contact us because they were going to sue us for the money.

Their attorney called me and she stated, "Capital One has no proof of you even being customers and no way to prove that you owe them money. Consider this a dead billing. Companies like Capital One just keep selling their possible accounts that are behind or show money owed on a closed account to multiple collection companies in hopes that they can collect on them."

So, we did just that and considered it dead. Now almost 3 years later, Asset Acceptance LLC, assignee of Capital One Bank, NA, sent us another bill stating that we still owe money to Capital One. We again contacted them and they wanted proof that we paid them. It was explained to them that there is no proof from us or Capital One. The whole story was explained to them and the lady that we spoke to said, "Well I will give you a few days to look in your files and see if you have anything, otherwise we are going to send this case on."

Which, of course, they did. They sent it on to Rausch, Strum, Israel Enerson and Hornik LLC, a group of collection agents and lawyers requesting and filing a lawsuit against us. We explained the situation to them. However, they are not willing to work with us to resolve the issue unless we are willing to pay Capital One $1,287.57.

But our billing statement was never higher than $500.00 at any point. Both credit cards that we had with Capital One where below $500.00 limit. This is a complete outrage that Capital One treats its "valued" customers this way and that they are allowed to do this to hard working honest people. We are not sure, short of spending money on a lawyer, on what to do. And why should we pay a bill way more than the original amount that we had already paid off?

This seems like a big scam and somebody is getting rich off of the little guy here. It's sad how they keep selling their customers' bills off to all these different collection companies.

Any suggestions would be greatly appreciated. Also we are contacting Capital One again today, 08/05/2011, and requesting the proof and documenting our conversation with them for the court date.

Me and my husband are on a payment plan with them and they call daily, not just once, but almost every hour to an hour and a half every day. I can time them, whether we tell them to check their records or not, and we are told, "Oh, yes we see that. Thank you."

The emotional stress this causes daily is now too much. The constant harassment because of this is now out of control.

I got behind in payments; lost my job and I called in April 2011 to make payment arrangements on two cards. The one card is now usable (according to Capital One), and the second after making all the payments as arranged has now been put on permanent restriction.

I paid a lot of money to the card, and was lied to on numerous occasions that the card would be released from the restriction once payment was made. I spoke with Gwen (the supervisor) today, 7-26-11. She advised the card would still not be released. When I got upset and pushed the issue, she finally said the card was on permanent restriction.

I could have paid less, and had money for gas or food

Capital One sued my daughter (in New Orleans) for $23,000 on an unpaid credit card bill of $1,400. The summons server sympathized when it was served, saying he was delivering them all over New Orleans. The reason is it skips small claims, and it goes directly to a higher court. The collecting attorneys told her that she could pay almost $3,000, over two installments to stay out of court. The person on the phone told her to bring in an amount less than half for the first installment.

When she arrived, she was told the person "made a mistake"; she'd have to pay half the money on the spot, which she of course did not have. She is on disability, and had to borrow from family. They insisted on automatically deducting it from her account. They got her routing number and account number. They refused to give her anything in writing about the amount, type of paymentnothing. They said," we will mail it to you."

Can they be trusted or believed not to grab any money that goes into that account from now on, up to whatever they feel like taking? The reason, by the way, her card went on default is she was late for a $40 a month payment due to a bout of extreme illness, and it immediately jumped to almost six times the original payment, $220 a month. For someone on disability, this is an impossible amount to pay. Capital One's tactics are underhanded and predatory. Can anyone explain how they can get away with this, please?

I authorized a payment for $28.00 and between yesterday (it showed correctly yesterday) and today, it has "magically" changed to being a payment they will deduct from my checking account for the entire balance of $695.25! I am in my 3rd and final phase of their "re-age" program, which is a 3-step process to make my account current again. I am struggling. There is no way I can pay $695.25 and the overdraft fee that will occur as a result of them debiting my bank account for money that is not there. When I call them, they say it "is a process" to credit me back and it will take 7 days, and they are not concerned.

I am a single mother of 1, who has only $100 for the next 3 weeks. When I try to appeal to them that I cannot afford to "lend" my $100 to overdraft fees and such until Capital One will refund me, it falls on deaf ears. They are not at all interested in correcting their error with any urgency, and have hung up on me through the last 1/2 hour to different times, rather than fixing the glitch in their system. The payment on my other account with Capital One, authorized at the same time, is processing normally which should also show them my intention.

I was behind on payments due to job layoff, notifite them I would pay as soon as I got my job, 3 months. The ignored my letters, turned me over to lawyer, who filed lien on my house for $3000.

My sister (heart disabled and lived with me) had a Capital One credit card. After she died on 3/6/2010, I contacted Capital One and explained she was deceased and that I would pay the bill when the statement arrived. I specifically asked if the statement would be a payoff and was told yes. I paid the full amount on the statement and today received a statement that $8.24 was due in interest. I called and was told $8.24 was due and they would not give an inch.

I explained that my sister had another card, sent paperwork showing that interest stopped the day she died and the actual final bill was less than the monthly statement showed. My sister had been disabled for almost 10 years and had no estate. It was our private agreement that her bills be paid with honor since she had used the credit cards for prescription drugs when necessary. I am not complaining about the $8.24 as much as I am about the callous, greedy, money-hungry attitude of Capital One. They disgust me.

I had a Capital One credit card with a $1000 limit. I was paying it and getting my payments there on time. Then one month they added a late fee and said that my payment did not get there on time when the statement clearly showed the payment arrived at least two days before the due date. I kept trying to pay off this account and they kept adding charges.

Finally they closed my online account and said they were taking me to court. I kept writing letters and got no response. They sent me not one, but two, warrants. I was to go to Richmond, nearly 4 hours away, for court. Since they probably knew that no one would drive that far, they took out a judgment and told me they intended to collect anyway that they could! I tried over and over to tell them that I would agree to pay a monthly payment but they would not even answer my letters.

Now they want the entire $1600 at once. Yes, $1600 is how much it went up to.

In February of 2003 I signed up with a Credit Counseling Service - they told me to send them all my bills and they would negotiate a payment plan with each of my creditors for a large fee. I paid the fee and sent my paperwork. At that time my Capital One bill was $947.96 and I had a credit limit of $1000.00. While the credit counseling service was negotitating a payment plan with Capital One it came time for my payment to them - which was never made. Because the payment wasn't made they added $35.00 for a late fee, $17.29 for finance charges which put me at $1000.25 so they tacked on $29.00 for overlimit fee.

Well the next month came and they were still "negotiating" so again Capital One tacked on $35 for late fee, $22.00 for finance charges and $29.00 for overlimit fees. By the third month the finally agreed on a monthly payment of $33.00 of course not in time for them to add another set of late fees, finance charges and overlimit fees. So I thought everything was taken care of but not until July, when I received my Capital One statement did I realize that the negotiated payment is being sent after my due date so Capital One is still adding the $35.00 late fee, finance charges (which were not reduced) and $29.00 overlimit fee.

By now my $947.00 bill had made its way up to $1457.00. I dropped the credit service and ventured out on my own to deal with my credit debt. Everyone I spoke to at my other credit card companies were more than willing to negotiate payment plans and lower interest rates. In August I sent a payment of $100.00 for Capital One and at the same time received a letter from them stating they were willing to help me with a payment plan. The next day I received my statement showing my $100.00 payment before the due date and also showing $29.00 overlimit fees, $25.26 finance charges and $35.00 late fee. I called immediately and spoke to Lisa in collections. Lisa told me because I did not send them $104.00 I received the late fee (of course nowhere on my statement does it say to send $104.00) and they do not do payment plans to "just make a payment before the due date".

So every month I have been sending $50.00 before the 15th. They stopped the late fee but still add finance charges and overlimit fees. Everyday including Sunday, they call me house starting at 8:00am and finish at 8:59pm. They call anywhere from 7 to 18 times a day - we have caller id. I have tried calling them back and they tell me that until I get my balance below the $1000 they will continue to call my house. They were very rude about the whole situation.

I had gotten some extra money and was finally able to send them a payment of $150.00 in November. As they continued to call my house I continued to call them back and this last conversation with Angie I was told that is was my obligation to pay them and if I could send in $150 in November there is no reason why I can't pay the $188.86 that it will take to bring my balance to $1000.00. I said to her - If I send the $188.86 aren't you going to add finance charges which will send my balance of the limit and then tack on another over the limit fee? Her response was "Yes so maybe you should think about sending in more money". I can't wait til this card is paid off because after that I think I will continue to call them everyday about 10 times just to make their lives miserable.

Capitol One keeps calling and harassing my mom. She's made arrangements with them and they still keep calling. Also she sent them the card back cut up and said she wanted to cancel the account. They said they couldn't cancel the account till the total bill is paid off. But they keep raking up charges on the bill every month even admitting to my mom that they put $700.00 worth of finance charges on the bill. Mom says how can I get it paid off when they keep adding finance charges on it every month. Is there anything my mom can do to get them to stop calling and adding more to the bill each month? It's crazy.