Capital One Reviews

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.

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

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

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

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

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

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

I asked what type of investigation was done and the person could not answer the question. All they could tell me was the previous address matched the statement address. I asked them to provide me signatures but it never happened. I asked them to locate the stores to see if maybe cameras were operational on those dates that the card was used. I asked Capital One, don't it look strange that this card was maxed out in a couple of days? They said not really.

Now I have this card on my credit report with no payments. I don't see why I should be liable for this card and they told me to go to the police station and file for a stolen card. Are you serious? PLEASE. Capital One needs to do their job. A good investigation needs to be done, not an investigation from behind a desk.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This guy pretty much called me a liar even after the birth dates did not match. I even tried to tell him were to find her and all he said was, "Mrs. Jackson, don't play with us." I have sent letters to them proving that I am not the one they are looking for.

This has happened one time before and I finally got it to stop and now it has started all over. I pay my bills and I will not pay someone else's.

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

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

On August 14, I received an alert from Equifax that a new account had been opened at Capital One under my name. When I called the fraud department, I was told that they were unable to close my account, because the address information I provided did not match the information they had for the new account. I explained that my identity had been stolen. And that the reason the address did not match was that someone had been using an address different from mine to apply for credit. I reiterated that I had spoken with someone in mid July to inform them of the potential fraud. And I had been reassured that the problem was taken care of. The woman I spoke with on August 13th informed me that they had sent me information. If I did not have it, she could not help me (the information was presumably sent to the address of the identity thief). I am aghast and appalled at the lack of responsiveness to clear fraud. I hope that this can be resolved soon.

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

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

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

My card got lost last year while I was out of town and there were many unauthorized charges posted to my account which exceeded by credit limit. Capital One would not take care of any of the charges that were made to my card by the unknown person. When I refused to pay the charges, Capital One then turned my account over to collection agencies and they were harassing me ever since. That company is a joke, so please be careful because they succeeded in ruining my good name and credit.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Please help. What else can I do?

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

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

They constantly call me and think I will give them money for no reason.

When she arrived, she was told the person "made a mistake"; she'd have to pay half the money on the spot, which she of course did not have. She is on disability, and had to borrow from family. They insisted on automatically deducting it from her account. They got her routing number and account number. They refused to give her anything in writing about the amount, type of payment—nothing. They said,” we will mail it to you.”

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

Two more weeks later, I received an envelope from them containing a new credit card. I haven't opened the envelope and plan to return it (signature required) unopened, with yet another letter asking them to close the account. Closing this account was a condition of the increased credit limit and improved terms with my credit union. And, I agreed to close the account because they had just suddenly and without reason, doubled the interest rate they were charging me. Also, one of my credit reports all of a sudden states that having any account with Capital One (a finance agency) adversely affects my credit score.

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

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

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

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

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

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

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

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

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

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

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

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

Several charges to my account that shouldn't have been allowed in the first place and when discovered should have been reversed and credited back. But instead, we're allowed to stand and push my account total over the credit limit.

The Attorney forgot to notify me of court obligations, so I got thrown out, and had to refile. By that time, I was making payments. What's in your wallet? Never Capital One again.

I did everything right on my part, and now they are closing all my accounts that I haven't been late on, and the one I made agreements on. They lied, and there's nothing I can do, but let them harm my credit some more, not that I need that. Capital One will not provide me with any of the phone conversations we had, they will not provide me with any documents pertaining to the reasons my account was closed. In these times, they should welcome people who want to pay their bill, and not take the easy way out, and file bankruptcy. This is wrong, and I will continue to fight back. My credit is being ruined, and I'm still making payments.

Consequently, I have lost everything at the age of 52. I have lost my car, I have not a home to speak of, no assets, I sold my furniture in exchange for food and shelter. I have been homeless twice, my credit is destroyed by credit card companies like Capital One. I rent a room at this address and the owner of this home is helping me so I can have a place to stay.

I am now being sued by Capital One. The attorney is Andrew ** and the Case No. ** and I have nothing to pay this debt with since it has almost tripled in fees, interest and more interest from $688.00 to $1916.00 not including $750.00 on attorney fees despite all the begging and pleading I have done to get them to stop and honor the payment protection insurance I had paid them for almost 3 years. My credit is destroyed and I cannot get a job because of it, plus no transportation and a degree in Finance, I live like a pauper. Please help me.

On May 21st, I received a statement that I have a credit of 82 dollars and 28 cents. I called to hear I will receive a check in three to five days. After a week, I did not receive my check so I called to hear it will be sixty to ninety days! After another week, I called to speak with the highest ranking employee possible. That was Jason ID# DNV961. Evidently there was no urgency on their part to return my money. He said he would draft the check then and I will receive it in three to five days. That was yesterday and I'm sure it's on it's way. It shouldn't have come to that!

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

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

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

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

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

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

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

They said they never received the payment. I called Capital One and asked them what happened to my payment, and basically they said they didn't know which is absolute cow manure! My bank (SunTrust) states that Capital One received the $300, but Capital One made it seem as if my money went into the abyss. They had no way of retrieving it. In the meantime, the collection agency is sending me letters. Capital One won't help me. IC Systems won't help me. I'm a college student, and I don't have much money. I gave up $300 to attempt to put a significant dent in this debt.

Now, nobody seems to know what happened to it. The operator at IC Systems told me that Capital One was notorious for sending them accounts and not transferring the payments over to them. I've since paid IC Systems $107.90 towards that $520.00 balance. But in the mean time, my $300 is floating out there in the Universe. Technically, I've paid Capital One over 80% of what I owed them. Not sure what to do at this point. Help!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Now let me tell you why they did that. They increased the limit so that people start using credit cards a lot and Capital One can earn money by giving this temporary, fake favor to customers. This is illegal and how can you do that with such courage and confidence? I was cheated, I need your help. I used so much of the card and paid huge interests on it and was happy. You can check my credit history that I am a great user of credit cards. I need justice. Please help as they will or may have cheated many people like that. This is insane. It can be anyone among us. Please take actions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Ms. **:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1.) Fees and Spending Limits

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

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

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

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

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

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

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

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

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

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

2.) Lack of available detailed account information

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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