Capital One Reviews

I immediately called and was informed that since I didn't list him to have a card issued in my application one would not be issued. I tried to have his name added at that point, but was told their computer would not allow this and I would just have to wait until the other cards arrived to add any other card holders. All of the cards were then incorrectly mailed to the owner’s personal address and not the business address itself. When I called to change it, I was of course told that I couldn't have any access to any account info. I requested to speak to a manager (waited 10 minutes for him to answer) and spent another 10 minutes to make him understand that the mailing address error was on their part, not mine, and that the correction should be made using the application and should not require special permission.

Because I did need to make other changes to the account, we did end up contacting the owner to request his approval, but that this approval would only be for the day. At that point I wanted to confirm that I would be able to increase our credit limit, as was I was told in a previous call to Capital One prior to my application submittal. I was put on hold for 5 minutes and was then told it had been denied and that I would get the reason why in the mail in 5-7 business days. I needed to okay that with the owner and asked if I could call him right back. He refused to give me his direct line, but assured me that he would make all the notes in our file and that I could speak to any customer service agent.

When I called back 5 minutes later, I was once again told that I didn't have access to our account and the owner would have to call in himself. I immediately asked to speak to a manager who also said he couldn't give me any info and that there were no notes in my file saying that I had previously called. He just kept saying that he would have to be contacted by the owner. Are you kidding? I made him check a few times and he insisted that I had never called. There are some serious employee problems at Capital One’s customer service - no one seems to be on the same page. Everyone has different answers to the same question. Honestly, this is the first complaint I have ever written. I like to give everyone the benefit of the doubt, but this was just plain incompetence! Their award should be changed to “incompetent customer service award.”

At one point, when my husband was in Wal-Mart, our cell phone rang. It as a Capital One rep asking if one of us was having problems using our credit card. About that time, my husband returned to the vehicle and said the transfer of funds wouldn't go through. The Capital One rep stayed on the phone with my husband while he walked back into the store to make sure he was able to complete the transaction. We also have automatic deduction from our local checking account and every transaction has taken place in a timely manner. I'm sorry all these folks have had such problems, but I hope that others who have received the quality of service we have received will also write. We could not ask for better service from Capital One.

Ha! I was in for a rude awakening. I faced a combination of issues. I have had Capital One for two years now. Not necessarily in perfect order: First, statements came some months but not others. I always update address. Second, I set up automated payments using Chase Bank account as I had done many times before with other banks/credit cards. The system acknowledged that recurring payments were set up. One payment came out, yet two months later, I noticed the account was suspended, past due. It's not because my bank account didn't have funds, there is plenty. It was affecting my credit. I called them; they don't tend to care. Their system shows it's not set up for automated payments. And they do not give room for error on their part. You are treated as if you are an idiot and you did not do something right. I know the difference between onetime payment and recurring. And when I read, "Thank you for setting up automatic payments" I know what that means.

Third, I paid for payment protection for both cards. It is an insurance product. Now, I believe it to be a joke. I have cancelled it multiple times, yet it tends to end up back on my account. When I signed up for payment protection initially after they encouraged me to do so, I was told "If you are ever unemployed, call us. We will help you connect with payment protection, and your payments will be taken care of." So, I was charged for the service to both business and personal accounts.

Unfortunately, many months later, I became unemployed, was sick with some health issues, because of this, work and business cut out, I wasn't being paid. So, I called to activate payment protection benefits, went through the process, made it known I was talking about both cards. They confirmed both the business and personal. They told me, "Okay, sir, I have payment protection benefits activated for both of your accounts, business ending in ** and personal ending in **. It is activated for one year because of unemployment. Don't worry. We will take care of you." I thought, wow, great company! Ha!

I called Capital One just to confirm that benefits were activated about a month or so later and they said, "Yes sir. Payment protection benefits are activated for both accounts." So I am not getting statements at this point. I haven't moved or anything. PO Box is active. No one has access to my mail. I am getting everything else, from everyone else. Months passed, I check my credit and I noticed the business account was charged off. What? I started inquiring and Capital One said payment protection wasn't paying on the business account. Yet, it was paying on the personal.

At that point, I was told all kinds of different things. I tried fighting that with them. They apologized but they said, "The policy is this and we're sorry but there's no way to reverse the charge off!" I talked with supervisors, spent hours on the phone. No resolve. Then the payment protection cut out for personal, and then they reactivated it saying sorry. There is so much more. But in conclusion, they are just unprofessional. Some reps would say payment protection is owned by Capital One. Some would say it's a different company and has nothing to do with Capital One; yet, I signed up for it through Capital One and they transfer and talk to payment protection (department) on my behalf.

I guess, I could go on and on but the issue is that account should never have been charged off. Capital One acknowledged their error verbally; yet, they pin it on me by ruining my credit. I am more than happy to pay my bills, pay on time, pay just debts, and settle. However, I have a problem with settling a debt that is negatively affecting my credit at the company's error when the balance is made of their fees from their errors. The balance is small, but I want it off my credit or I don't pay a dime. It seems they are more interested in screwing people over, not resolving issues, not accepting responsibility, than providing basic customer service for their product.

I spoke with an agent on June 17, 2012 to ask how the account had gone over the limit since I had, as the primary cardholder, specifically requested that not be allowed. I had to call them two times in two years to make this same request before it was honored. Now, the account has been reported as a bad debt to the credit bureau and will remain that way until the amount is paid in full. Capital One needs to train its agents in how to communicate clearly when they call. I was not given the opportunity to correct this until it was too late. I suspect this is how they go about fleecing their customers.

In my case, my billing address is a PO box which they won't accept but they demand a mailing. Hello, PO boxes are official mailing addresses. So I closed my account and will use another company. I would avoid them. Even during the years I had them, calling them means speaking to India and Philippines, where they try and sell you credit score programs and force you to listen to almost an hour of nonsense. Their fees are outrageous and so are their interest levels.

The customer service rep would not even admit that there is a serious flaw in their website to associate a personal checking account with a business credit card (the business credit card does not even show up on my personal log in) and then said it would take 3-5 business days to refund the money to my account. Odd, how an online payment can be posted within an hour (and removed from my bank account), but a refund to my over-drafted account takes 3-5 days. The representative, Victor, refused to let me speak to a supervisor and had no remorse for the impact of Capital One's error. It’s an absolutely pitiful customer service!

I immediately contacted Capital One and it became a nightmare. I spent day and night on the phone to get transferred to different people after repeating my story like 30 times a day. They refuse to give you corporate number and they all say the same thing, "we will dispute it and it should be fixed." I even asked them to pull the recorded conversation, only for them to tell me that those conversations are only saved for two weeks. Then, when they put in a dispute request, it also goes on your credit as this account is being disputed by consumer. I am pissed because they didn't remove the negative reporting; they just added to it. This has been a total nightmare and I am fed up at this point, spending months on the phone with them. This is causing emotional stress and it plays a role in my daily work and home affairs.

Considering I was misled in establishing an account with your institution, which allured my finances without the promised special offer, there were no follow up calls pertaining to my business participation and return call. In addition, my inquiries have been unattended to by the Vice President Mrs. ** via in person and phone illustrating her unprofessional integrity. I had received a coupon in my movers package distributed from the United States Post Office for this offer ending October 31, 2011. I submitted the flyer to Ms. ** with another code at higher reward. She mentioned to me that she would call the following day to let me know if the code given was valid. But to no avail, I had never heard from her.

I have called to inquire regarding the time span for posting the credit and was informed it takes six months and later, I arrived at your Frederick Branch (where I commenced my transaction) to find Ms. ** transferred out. The Vice President of the Monocacy Branch, Mrs. ** was not able to establish full service due to several interruptions of incoming calls, but said she would look into the matter of my account and call me the next day considering I had given the coupon to Ms. ** and did not have a copy of the promotion offer. But to no avail, I have not received any call pertaining to this issue.

The issue is still unresolved and this is my third attempt to resolve this issue with your business. I would like to continue to do business with your bank, though not under these circumstances. I need my checking account credited as promised with any accrued interest from January to present. I strongly believe her goal was to get a credit, not valuing the customer interest by upholding business principles. I am looking forward upon receipt of this letter that you will investigate this matter and take the necessary measures at your earliest convenience, in that, this issue does not affect any other individuals and this situation does not repeat itself in the near future.

After a week of going back and forth, I decided to cancel the card. Why did Capital One transfer me back and forth to different departments? Each represent did not verify my information but reviewed my account with me. As I type, I have been on the phone with 3 or Capital One's representatives and three supervisors to cancel an account that was never activated but yet they have my money. This is truly ridiculous, extremely poor customer service. After speaking with the final manager today, she indicated that they do not have to close this account. I need legal assistance with this.

What was really funny though was that they didn't even try to save the relationship. I just said, "Okay, if you are not willing to budge, I will close my account." Then they said, "Okay, we can do that now if you'd like." Then I complained a bit more and she blamed it on the prime rate, to which I explained to her that I have a couple other CC's at between 13.9-16% and so 22.90% is not due to the prime rate. I am sure that I will be happier now without my AmEx!

Essentially, I guess, I was too responsible when making good faith payments while all these reps were stringing me along about how there was a solution upcoming. I read the terms and agreements pertaining to the protection plan and found nothing about a one year filing period and after getting denied benefits, I was still getting monthly charges for this plan that was essentially useless when I really needed it. Logically, it makes no sense. I made my payments too long? - "You were too responsible so we will now report you to the credit agencies in an attempt to portray you as an irresponsible person who doesn't care to pay his bills on time." It's just not right on so many levels. I have extensive documentation that will support everything that I've explained.

This is harassment in the most vicious way because either you're brain dead - inadequate, poor excuse for an ambulance chaser bill collector - whatever your titles are there at Capital One. That is a joke on its own - claiming you're number one, the number one sorriest company in the world. Hey, you have found yourselves. I am going to document everything I have in regards to this matter and contact a lawyer. I don't care what it cost me but I assure you, scumbags, this: I will try to inform everybody I can what a sorry bunch of trash your workers are. I use workers loosely as I don't know what their position could be titled as.

I am not the first person that this happened to. There are 6 units here and my other roommates and neighbors say the same thing. I have been hung up on several times. That is bad business for this company and I will never recommend this company to anyone.

I called back and spoke to another representative, who again just didn't seem to understand why I might be upset by the previous call. I just want to cancel this card. Finally, they transferred me to yet another rep who cancelled the card but advised that I would lose my rewards points. The card is not that rewarding and the Capital One commercials where they just keep transferring you is exactly how you are treated! When trying to explain to the last rep why I would want to cancel this card, I told her to remove my name from any mail lists and my phone number from any call list. She decided that I wasn't worthy of her time and hung up on me. Customer service at Capital One is horrible!

A week later, I received a notice from the bank that no part of my security deposit would be allowed to pay off any further debt transactions and my deposit would be refunded to me after sixty days of $0 balance. The card has been paid off since April 3, 2012 and since there was a hold placed on it, no further transactions were possible. Since this incident, I have closed my savings and checking accounts with Capital One. I am now with a local credit union.

This is how my nightmare began. I contacted Capital One on 3.22.12, and the main rep transferred me to "hardship," where a rep told me I could leave the DMP and pay Capital One directly and still maintain a low 7.4% interest rate. She asked me several questions, told me dates I needed to make payments online, and assured me that I was now in a "hardship" program with Capital One. This would save me about $8 per month that I would not have to pay in fees to the DMP.

When I was a day late making a payment due to illness on 4.18.12 and called Capital One to make a payment on the phone and ask for the late fee to not be applied since I was ill, I was told I was still paying via the DMP according to Capital One records and that if I did indeed drop the DMP, my interest rate would skyrocket to around 30%. I was outraged.

The rep I was speaking with, Fernando, eventually routed me to a supervisor after a lot of making excuses and implying that I didn't understand. The supervisor fiddled around and also implied I did not understand the rep on the original call, at which point, I told her she needed to escalate the case and have her superiors listen to the recording of the call. She acted like that was not an option, but she would not come right out and say that they did not have a recording of the call.

Eventually, she told me I would receive a call back on 4.19 12. When I missed that call, I attempted to call back and it took three times to finally reach someone who would talk to me. The first rep gave me a number to call, and it was the number of my DMP. The second rep hung up on me. Finally, I was routed to someone who was supposedly a supervisor. She contradicted her self during the call, saying she could see in the record that I was routed to "hardship" on the 3.22.12 call then claiming a couple of sentences later that Capital One "does not have a hardship program."

I asked her directly why I was lied to on that original call and why she was saying now that there was no program, and she had no answer, saying only that she would talk to the supervisor of the original rep who told me I was in a "hardship program" directly with Capital One. Again, she seemed to imply that there was no recording of the original call and they could not document what happened.

I don't know if I was lied to, got an inexperienced rep, or what in that first call. But it was a blatant misrepresentation of Capital One policy and has cost me hours of time on the phone. Luckily, the DMP had not yet dropped Capital One from my plan, as I had asked them to do based on that first conversation. If they had done that, I would be stuck paying Capital One 30% interest!

So, was I lied to to trick me into dropping my DMP so that Capital One could make more money? I think so. I think this is a common practice, and they are ripping off consumers all the time. And the reps and supervisors you get on the phone are trained to be confusing and imply that you are stupid, so you just take it and silently pay. How can they get away with this? I say stay away from this company. Don't give them your business. I wish I never had.

I have called almost bi-monthly to ask if my interest can be lowered, for being a good customer. I got the run around every time. I'm switching my balance to another bank ASAP and I will never get involved with or recommend Capital One to anyone. In fact, I have become quite vocal to anyone and everyone about never becoming a customer of Capital One. Save yourself from corporate obnoxiousness and support a local credit union. They actually reward you for being a good customer. All my interest and everyone else’s is just paying for the ridiculous amount of commercials that suck people in the first place.

First of all, they held the funds to "verify the funding source" for 10 days, which was ridiculous in view of the fact that I had been using the same bank for over a year. They said that this was for my "protection". How is it protecting me? The funds were transferred from my bank! The same bank I had been using. Nevertheless, my funds were restricted and a fraud alert was put on my card, which I didn't find out until my card was denied at an establishment. How embarrassing! I figured this was a onetime incident since I had jumped from $200 to $2,000 so I let it pass.

The next month, I go to make my payment in full once again, which was $2,000. I made the deposit on a Friday before noon and the site says my money would be available the same day. It wasn't. After waiting all weekend, I call that Monday. My bank had already taken the money out of my account, but Capital One had once again put a fraud alert on my account and I could not access my money. Capital One said it would be another 7-8 days before I could access my money.

In the meantime, they needed to be on a 3 way call with my bank, myself and them. I was furious, what a waste of time! During the 3 way call, I decided to just close the account. Fast safe and easy? This was not. I asked Capital One to lower my credit limit back to $200 since it seemed $2,000 was causing them issues. They said they could only take it back down to $300. I was like **, whatever. I said forget it. While still on the phone call, I told my bank to reverse my payment (cost me $25.00).

On the Capital One website, it said to close the account, to remove my funding source, which I did. 2 weeks later, I checked to see if it was closed. What they had done was imposed an $84.00 late fee and put, you guessed it, a fraud alert on the account. I called Capital One again. I was told I had to pay $84 to close the account. Sigh. What a mess. I'll never use Capital One again.

CAP1 stated my limit was decreased on April 3rd. I have a document from CAP1 that shows I had over $6,200.00 of credit available to me. I tried for over 24 hours to get someone to call me back from CAP1 and finally, after I was passed around for 7 hours, I was told too bad, so sad we cannot do anything to help you. This has crippled my business. I do not understand how a company can arbitrarily take something away without even a courtesy phone call. I have, or I should say had, excellent credit before this situation. Now, I have overdrawn fees at my bank, I have over the limit fees with Capital One.

My credit worthiness at my bank was so good checks I wrote were never held for 10 days. The check is deposited and funds are made available immediately. Now, I have no idea how long it will take for the bank to return my account to that status. Now funds will be held ten days. This can really hurt a small business. One of my businesses is running charter boats I have now placed a statement on my website that we will not accept Capital One credit cards. I wish more businesses would do this, perhaps then Capital One would understand what it means to be crippled business wise.

When I received my first statement, the special promotion and monthly transactions were added together as the total amount due. I contacted Capital One and spoke to a rep and was told to pay my monthly charges and the minimum due amount, and any extra I wanted to apply to the promotion to avoid any interest charge. I complied and when I received my statement I was charged interest. I called back and was told I would be charged interest if I did not pay the entire amount off. When I asked how can they call this promo "0% interest for 12 months" if I have to pay off the entire balance to avoid interest, I was told they weren't charging me interest on the special promo, just my monthly transaction, even though I was paying these in full. I asked to speak to a supervisor and was told there was no one else to speak with because he was the senior account rep. I plan to pay off Capital One and close the account right away. I will be their worst walking advertisement! I am mad as hell!

I used to manage a call center, and if one of my agents was to deny a customer an escalation of their call, they would be severely reprimanded. I am disgusted with the behavior and lack of customer service I received.

I've been in communication with them since August 2011. I thought this was just a clerical error and I informed them they took back $3,500 too much. They actually blamed me for making payments in the same amount. I’ve spent countless hours trying to resolve this. Capital One has spoken to my bank and has received faxes from them showing what payments that I have made. Capital One even said that they returned a payment to my bank and the $3,500 credit should be in the account. The bank has continually told them that this is not the case.

While I realize the two payments of $3,500 and $3,000 + $500 have the same total, the accountants are unable to realize they (big company) owe us (every day consumer) $3,500. I can give dates, details and full access to my bank account and Chase/Capital One statements if you are interested in covering the story. Thank you for listening.

After three months, I was either prompted or I elected to change my password. After doing so, even it was automatically stored in my encrypted password manager, it wouldn't work when I tried to log back in. Apparently, their website only accepted a truncated portion of the long password I used, although my password manager can save a password of virtually any length. Of course, their website didn't tell me I used a password which was too long for them to accept. Even after several attempts to use the "Forgot my password" function to regain access, I was denied. I called customer service and told them I had been locked out of my account after too many wrong passwords, because that's what the screen told me. They said I wasn't locked out and they wouldn't change my password for me. I would have to use the method which had already failed several times. It failed again.

BTW, I'm an IT consultant and programmer. I have been designing and coding user interfaces and websites since before Windows 95 was introduced. I know how to use the forms on a website. In frustration, I gave up. After being hit with another $5 monthly fee, I decided to call and tell them to close the account. They asked if I wanted to spend down the balance (of course, because the collect a percentage from the merchant that way). I said no, I just want a refund check for my balance of over $1,000. I was told to expect the check within 7-10 days and that is precisely what they said. They never tell you to count only business days until after the check seems to be overdue.

Instead, I received a letter on March 23rd, the same day an email arrived, and both told me, "Thank you for choosing the Capital One Prepaid MasterCard." (Then in BOLD): Even though your card was recently approved, our subsequent reviews have triggered an alert and locked your prepaid card ending in ***. Until the restriction is removed, you cannot load funds onto the card or log into online servicing." Of course, I called to inform them that it wasn't recently approved, it was recently closed and to ask where my refund check was. Coincidentally, they told me an adjustment had been made on the day before (March 22nd) and a check would be going out the day we spoke, the 23rd, so I could expect it within 7-10 days from 3/22, again no mention of business days. After all, the USPS isn't that slow!

Instead, they mailed the same letter again on March 27th, and waited until the day the letter was delivered on April 2nd, to send me an email telling me the same thing again, "Thank you for choosing the Capital One Prepaid MasterCard." (Then in BOLD): Even though your card was recently approved, our subsequent reviews have triggered an alert and locked your prepaid card ending in ***. Until the restriction is removed, you cannot load funds onto the card or log into online servicing."

Why do they bother using email if they wait as long as it takes to deliver the mail before sending the email message anyway? Again I called, and after waiting 15 minutes on all 4 calls before I would speak with a person for 5-10 minutes to explain all of this, I was placed on hold, only to wait several more minutes before getting a busy signal. On the 4th call, I was told that I should wait until April 5th, which they claim is 10 business days from March 22nd. I haven't bothered to confirm their math, because their logic escapes me anyway. Why would a letter postmarked March 27th arrive on April 2nd, if the check, supposedly mailed on March 23rd, isn't expected to arrive until April 5th?

On the last call, I refused to be placed on hold until they had taken my phone number for a manager to return my call. Of course that may take up to 24 to 48 hours, but that would still be faster than anything else Capital One has done to refund my balance of over $1,000. I won't be surprised to learn later that she meant the call would come after 24 to 48 business hours. If I don't have my refund by April 5th, I will drive the 71 miles to the nearest Capital One and walk through the doors shortly after they open. I won't need a bullhorn for everyone in the building to here me, and I won't leave until I have my refund. Although the round trip is 142 miles and the travel time will be about 3 hours for the round trip, that's just how angry they have made me feel, even for only a little over $1,000!

Needless to say, I will never be doing any business with Capital One again. With all of the money the banks are paying their executives in bonuses, why can't they employ enough people to answer calls in less than 15 minutes. After all, they're already forcing us to wade through several layers of menus, trying to feed us pre-recorded or automated scripts, before we can even request a live representative. Better to waste our time than to pay a phone receptionist to answer the call and direct it to the appropriate department. That's what customer service is all about, wasting the customers time, as long as it saves the bank a few shillings.

If I do not pay that amount, the interest would be applied every month; and finally, it would go to collection and my good credit history will become very bad. In order to avoid that from happening, I had no choice but to make a decision to close an account and no longer have Capital One Bank credit card, which I really enjoyed using and was very convenient. I like that card very much.

As courtesy and being a loyal customer, I asked to waive, remove, or give a credit for that unauthorized charge made to my credit card account. I was denied in very rude form from managers, who represent the great company Capital One. I am trying to get help from you in order to resolve the issue. Please help me to rehabilitate my credit history. I am asking a big favor to waive those unauthorized charges put on my account. Thank you very much in advance.

Then in September of 2011, I got a collection call to pay my account past due of which I have had no purchases since October of 2011. What the **!? So I asked this person to cancel my account on 9/10/11. Close it and pay off. Then he said I couldn't "cancel" because there is a fee or a 14 day payoff amount that is required. I'm not aware of such a thing on a credit card? Anyhow, I proceeded to make a payment. By the way, this tiny monstrosity of a $200 balance has ruined my credit! That they call past due, over the limit, on their own charges again, nothing of my actual purchases.

On February 2012, I wrote them a letter when I received a random bill in the mail stating I was 4 payments behind! Really?! I thought this account was closed. Again I did not receive any correspondence from Capital One since September 2011. In my letter, I proceeded to ask them to cancel my account effective 9/10/11 and waive all over the limit/late fees they have attached and to reconcile this account accordingly. They had the audacity to write me a letter explaining they are unable to fulfill my request through written correspondence. I must contact them by phone. To date, they have not waived any fees or closed the account. Who will win here? Will I have to pay for fees on an account that are not truly my purchases?

I have a check that is signed by them as paid in full. They now refuse to remove it from my credit. This is part of why USA is in the position it is in. Call Capital One anytime, get the call center and no one knows what they are doing, how to respond and refuses to resolve any issue. They are not allowed to go back and take care of anything, investigate anything. They are the most fraudulent credit card company around.

So what happened is there were 2 other charges, plus the purchase on the 25th and the withdrawal still pending. Capital One processed the withdrawals from largest to smallest, and processed the deposit last. So basically they did it this way so they could maximize fees. And because they hit me with the overdraft charges that day, I got hit with two more because of other charges that cleared; there would have been enough money to cover the charges if it wasn't for the $140 in overdraft charges, so total Capital One just decided to steal $210 from me.

I can't sit on the phone with them while they get my bank on the phone. I actually work for a living. They said my only other option is to fax them a statement of my checking account proving I own the account from which the payments were made. Mind you, this is the same account I have always used to make my payments, and the same account from which I made the initial secured deposit. They surely didn't question that $2000 transaction or where that money came from. I'd like to cancel the card, but I'm trying to rebuild my credit.

I provided detailed photos to the merchant and he would not have them looked at by his quality shaft as to my claim that they were corroded, the boxes were smashed and the manufacturer who viewed my photos sent a letter identifying the bearings as being at least 20 years old and beyond their expiration data. Also, the packaging that some of the bearings came in were not original packaging from the manufacturer. I called VISA and they said that they would open a case because they have had a lot of complaints about Capitol One and provide a case number, only to later say it was Capitol One’s responsibility to handle the dispute process. It has gone on for several months now. A lady from Capitol One said that the information I provided clearly shows that the merchant should have been charged back but time expired and they can not do anything. We responded as directed. Capitol One instructed us SMA Technologies, Inc. to return the product before 30 days, then they said I did not follow there instructions and have them physically inspected by a third-party after they insisted I return them.

I documented the problem with detailed photo and received the letter from the manufacturer that the product was inferior. I am an expert in the field. I had to repurchase the bearings from another source to complete my job. Today, my bill is due and I surely don't want to pay it. I have a perfect credit record. I am not looking to hire an attorney to find out what I can do. I have put in countless hours and sent over 50 pages of documentation to Capitol One showing lies that the merchant made in his emails back to me. The merchant sent a one-page letter to Capitol One that had no information to support his defense. Capitol One never kept us up to date on the merchant’s rebuttals to our claim until we asked to see a copy. All they could show was the one-page letter.

I spent about $100 in phone charges alone. This resolution only occurred after contacting the company ombudsman which I had to do on 2 occasions to get an answer. I was unable to use my card for almost 6 weeks until I finally came to this resolution. In this whole process, I spoke to many account supervisors; some tried to help, some treated me like a total pig and made me feel as if I was a deadbeat. I began taking employee ID numbers and reporting them to senior management once I got in contact with them. So all was good for a period of 2 weeks.

I got in a McDonald's drive-thru with no wallet and only my credit card which was in my cup holder. I went to use my credit card with no fear, and it was declined. What a total embarrassment. It has been now another 2 weeks of getting the runaround from Capital One without a resolution to my account. Latest conversation I had was with an account supervisor who told me he couldn't do anything for me because my account is in bankruptcy. I had asked to speak with a manager 2 weeks ago. They told me that within 24-48 hours, I will receive a call. This is 2 weeks later, nothing. I continue to make phone calls daily because if not, I will definitely not get a resolution. My most recent attempt for a resolution is an email to the company ombudsman yet again.

This has been a total disaster for me, a total embarrassment and a total inconvenience. Having to cancel vacation, make calls that incur expense to my cell phone bill, Capital One people are not treating me as a customer and are not providing any means of customer service to me. I'm paying an annual fee on this card and I cannot use it. I am absolutely in such disgrace of the service I've received to date.

If this were my fault, I would understand. However, they are the ones who've "accidentally placed my account in to bankruptcy".

I call everyday, and the money is not back from Capital One. It has been 2 weeks now. Capital One puts me on hold, and then I am usually disconnected, when I try to follow up, as to why money has not been sent back to IRS. I am a single mother who depended on this money to pay bills, and catch up on my rent. No one seems to believe that a deposit could just be in limbo somewhere. I am in danger of losing my car and being evicted. I live payday to payday, and recently have had car repairs, and large heating bills, that have put me further in debt. My refund was going to help alleviate some of this, but now it's gone, and I don't know where to turn.

The card finally arrives a week before Christmas. I went to Walmart to use it once. I went to use it for the second time at a Kmart, on the same day and, instantly, it's off. They call and Greg from Capitol One asked if I just made a purchase. I said yes and gave them the total and store. The lift never came off. He put a fraud alert on my account.

Meanwhile, they ask for all kinds of legal documentation to prove I am who I say I am. I mailed in the documents that they requested, but nothing happened. Now, it's 2011, and still nothing. I sent them all in again, but nothing! The hold is still on the card. I call and say that I'm moving, but they don't update my account. I am not moved until June, 2011.

I sent my paperwork again, including les forms, utility bills, ss card, marriage license, deed to my house, military id, picture id. However, they still refuse to remove the lift. It is now 2012 and they continue to charge me for a card that I can't use. They won't refund my money and still won't fix their errors in my account, like change my phone number and address. Meanwhile, I have this mark on my credit and a card that I can't use and I'm out of $2,000. They refuse to work with me and I am beyond annoyed. I'm pissed!

Well today, I chatted online with a C.S. rep first and they said I qualified but when I called the C.S. number, after being disconnected the first time, they tell me the same old story that I don't qualify and would give me no ways to reduce my rate. So I got back online and chatted again with a C.S. Rep. This time when she said I did qualify I printed off the conversation. I have a hard copy now. So I called the C.S number back and they proceeded to tell me I did not qualify even though this paper I have says I did.

They keep telling me I can do a balance transfer for my balance for a 3.9% interest for 6 months. Now tell me what good would that do other than increase you balance you owe them! It's a win-win situation for them. I will never recommend them for business to anyone. I will make sure everyone of my friends and family stay away from Capital One and its affiliates.

I have other cards that reduced the rates when I called. These people have never reduced my rate. I am a single parent of two teenagers and want to get this thing paid off before I die. But at this rate, it will not happen. I am going to cut up my card and pay it off. When I do, I will close this account out. Their customer service representatives are just robots...they read from a script and will not answer your questions at all.

These checks that total $780.00 have never been applied to our account as of date. The next statement that arrived said we had missed a payment and we had in fact paid early. Customer service was worse than nothing for helpfulness. Payment investigations is a laugh. We were given a man by the name of Mike (I'm sure that is his real name) who called me and gave me a fax and phone number to get ahold of him. The only problem is the number and extension he gave us just goes to an answering machine and the messages are not acknowledged. The Ombudsman must be related to Mike, they are just as helpful. Who would have thought these thieves would have created this? Shame on the ** who represent Capital One. Take off that veil from your face so you can find the missing checks that you lost on purpose so you could charge illegal interest. Double shame.

I called customer service and explained to the rep I talked with that I knew the payment would come back because my bank had informed me of what had happened. The rep said that the payment shows that it went through and that I should not make another payment until this one came back. She told me to call back the next day, and once the payment came back then I could make it again.

I called the next day, which would have been Feb. 2, but the rep told me that the payment had not come back again. I would have to wait and try and call back again the next day. When I called back again, my account had come back, but my account needed to be updated before I could make another payment. On February 6, I called to make sure the payment finally could be made, but I was informed that I had late and return fees.

I tried to explain that I made several attempts and that there would not have been a return fee if my payments had just been taken on the three previous times I had called. A supervisor, by the name of Zakee, was placed on the call and I explained to him my situation. He did nothing but tell me that after my payment was made, then he would maybe help me but not until he got the payment.

Is this how you treat people? No matter what their concerns are, it's all about the money you receive? Anyway, I wouldn't be on the phone calling over and over if I was not making the payment, so I do not think I should be paying any late or return fees when I'm calling over and over. Mr Zakee made no attempt to address my problem but only told me he might help after I made the payment!

I told him that if he could not help me, then I need to speak with a manager. He began to tell me that he would transfer me to the management team. I waited on hold for about 5 minutes, then he came back over the line and said that the management team had left. He told me that a voicemail was available and he would transfer me to that. Again, I waited for about 10 minutes. When he saw that I wasn't hanging up, he came back on the line and told me that he made a false statement and that there was no management team voicemail so he apologized for making a false statement!

I dont appreciate being basically lied to in my face by a supervisor, especially when it cost me just to call and sit on the phone while I was being laughed at. Is this how Capitol One handles their business? If this is the case, I will take this to the FTC. I did try and make my payment and I felt like a mockery is being made out of hard working citizens. My time was completely wasted and all just to secure a payment that I've been clearly trying to make since Feb. 1st.

Is your policy to lie and cheat people out of late fees and then make them out to feel bad? As an extra smack in my face, I was hung up on by Alejandro when I called back, and Eric tells me he is unwilling to help at all. Not knowing that I realized that there was a conversation going on between them the whole time then Eric told him to hang up on me! Although I cannot prove that every other part of this email is in every recorded call including all the calls made on Feb 1,2, and 3, and when all I wanted was my account to be corrected, I will not be disrespected and treated like I'm nothing since I pay Capitol One every month.

After a few weeks, we got a call from a Capital One agent, saying "they" made a mistake and needed us to send in $72.00 and this $72.00 would be deducted from the payment of $573 on December 3, 2011, so that payment would now become $503.00, instead of $573 for December 3, 2011. After all of this was taken care of, and my husband and I did what was asked by Capital One, Capital One was "continually" taking the promised amount from our bank, as scheduled on the dates stated, and we "thought" everything was settled, and back on track. For the last 2 weeks, Capital One has been calling our house almost 7 times a day. I work the midnight shift, and I am usually not home when they call. My husband is on disability from a stroke, and having a tumor removed from his brain recently. So, they usually get my answering machine.

Someone reached me yesterday, on Superbowl Sunday, after I came in from the church! This man from customer service/Capital One told me we where "40 days past due", and that we still owed them more than $600. I had him go over my account history, then he tells me that the 'other agent' who set up our payment arrangements didn't do it correctly". I requested a copy of my payment history to be sent to me, because they had just gotten a payment of $216.95 on the 28th of January 2012, and another $216.95 is scheduled to come out of our bank account on the 10th of January 2012! My husband and I feel like Capital One waited until we got caught up on our payment, then started calling, finding fees that they claim we owe! How is this, when their customer service agent set-up everything, beginning with the two bug payments, and then begin January 10, 2012/scheduled payments of $216.95 every 2 weeks.

When I got home from work early morning, I look at my answering machine, and Capital One shows on my caller ID and they are calling and calling, instead of leaving just 1 message, and wait for someone to call them back. My husband has told me they have called all the way up to 8PM! I go to bed at 7PM, because I get up so early for work! We are very frustrated and angry at this point with Capital One auto finance. We will never ever have them finance anything for us again! The agents don't talk to each other. They don't read the latest updates on the account. They just call! I am waiting on the letter from Capital One, so I can call them back, and possibly get this settled. Because of the treatment we have gotten from them, hopefully this year, I will trade that car in for something else! I don't even want to deal with them again! People don't need to be harassed, when times now are even harder for consumers. Especially I am the only one working right now!

Capital One is the only vendor that specifies electronic delivery, yet still shows up as a five day delivery time. I had E*Trade research this problem. The answer from the E*Trade research department was that Capital One has told E*Trade they must list them as five days to process. Because E*Trade guarantees me delivery in the specified time, they are forced to follow Capital One's instructions.

I then contacted Capital One and spoke to a supervisor named Frances. Her answer was that five days was their policy, but sometimes it takes less. She had no answer as to why every other company in the country can process an electronic transfer in three days, but they can not. I then went back and looked at some of my past payments, and the time it took to get processed at Capital One. One took three days, the rest took four or five days.

It is clear why Capital One is adding extra days. For every extra day they have your money, and don't post it, they get to charge you finance charges on your money, and increase the chances that you will be assessed a late charge on your account. In my mind, this is clearly a scam.

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 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.

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!

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 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.

Until the next month where I was billed by Capitol One again, this time with interest. I got on the phone again with both parties on a 3 way call and was told again it was settled. But the next month, the credit card sent another bill with late charges. So I got on the phone with the credit card again and they sent me verification from AOL that the charge from November was wrong and not valid. Last week, I got another charge from Capital One. The bill is escalating and I'm a senior and have been annoyed enough.

I have cancelled the card, but no matter what the operators tell me, the escalating bill for a charge that was false in the first place, keeps coming. I have no faith in anyone I talk to at Capital One anymore. This is borderline harassment. I have proof they sent me notice from AOL that the charge from November was wrong, but when I called the number, the card refuses to erase the charge from the system. As long as that escalating charge is there, I'll keep getting a bill. Help me. Please.

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.

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.

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!

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.

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!

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.

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 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.

4. Proof that you are licensed to collect debts in (Texas)

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.

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.

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.

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!

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.

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.

This just can't be right. They are telling me I missed the December payment, for which I now owe $15.00 late fee plus high interest rate for the remainder of the balance. This can't be right.

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?

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 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!

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.

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.

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).

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!

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.

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.

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.

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 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.

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!

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.

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 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.

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.

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?

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!

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 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.

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

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.

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.

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 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!

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!

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.

When I called CapitalOne to inquire as to why my account wasn't credited, it was explained that sometimes they did this with new accounts (sometimes for the first few billing cycles) and the funds would be available on 10.08.11. When I asked why this was, no one was able to give me an answer other than "policy."

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.

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.

Fast forward to September 19, I checked my statement and there were the two fraudulent charges, with no offsetting credit to cancel them out. So I called CapOne. The customer service rep said, "Oh, yes, there are those fraudulent charges. You should get reimbursed for those". And he handed me off to a Disputes representative. It turned out I needed to ask for a dispute form, then mail it in, and then get the amount credited back to my account. If they can automatically detect fraudulent use (I always admire how their computers figure that out), then they should automatically credit their customers. But the way they do it is just as sleazy as the original fraud perpetrator - taking someone's money and hoping no one notices. As soon as I get it all settled, I'm canceling my CapOne card.

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.

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.

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.

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?

Ying

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?

I asked to speak to someone who could help me with this problem and was told that nothing could be done. I asked to speak to a supervisor and was told none was available, but someone would call me within the next 48 hours.

I received a call today from a supervisor and was told that nothing could be done. I asked to speak to her supervisor and was told no one was above her and to just pay double this month and all would be well. I asked again who could I speak to and was told that I could fax my complaint to the customer service office, but I would be told the same thing.

I will file a complaint tomorrow with the Better Business Bureau and will fax my complaint.

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.

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.

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.

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 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.

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!

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.