Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Now, if I close the account, it will affect my stellar rating. Gabriel said I could call on the month, when they did assess the annual fee. He said it could be between next month and next year, and call to have it reversed. That may or may not work, he said. It would have been better, never to have opened the card at all. I will be writing Richard F., CEO, and the Attorney General for Virginia regarding this matter. Consumers, beware - don't have Capital One in your wallet!

The payment protection fees, plus the late fees drove the account over the limit and now I was being charged over the limit fees as well. In addition, I was also charge an annual membership fee of $59.00 - this is for a card that I canceled. The APR rose to 29.24% which further compounded the problem. In June of 2007, I was contacted by a collection agency, James A West, and spoke with Mr Gary **, who informed me that the balance due was now $1560.75. After discussing the account with Mr **, he and I agreed that I would make 9 monthly payments of $100.00 each. And the account would be satisfied as paid in full. This seemed like a final way to get this monkey off my back. However, it did not turn out that way.

I made all nine payments, on time, marking the final check "paid in full". At this point, I paid a total of $2,150 to Capital One for an original dept of $908. On May 20, 2008, three months after the final payment was made, I received a letter from another collection agency, Eichenbaum & Stylianou, stating that I owed Capital One $1,156.74. Thinking this was a simple paperwork error; I contacted them and explained that the account was satisfied as paid in full to the collection agency of James A. West. After Eichenbaum & Stylianou I was contacted by yet another collection agency, The Northland Group, who were attempting to collect in the amount of $1,379.63. They offered a settlement in the amount of $872.78. I contacted them, at once, and again explained that the dept was satisfied.

To date I have been contacted by 5 different collection agencies all with different a balance due. I contacted the Office of the Comptroller of the Currency who forwarded the information to the Federal Reserve Consumer Help Center. They found that I had sufficient evidence that there was an error - I sent every one of my billing statements and the letters from collection agencies - but since the dept was charged off there was little they could due. It's important to note that while I have a letter from Capital One stating that the dept was charged off in April of 2007, my credit report shows it being charged off in May of 2009.

This has been a fiasco and the most dishonest, unethical business practice I have ever experienced. While Capital One has been insulated against any negative impact from their mistake I have not. This has destroyed my credit and made it impossible for me to get a reasonable interest rate, a car loan or a student loan for my daughter's college. We are still trying to recover from this. I was just turned down for a car loan, again, last month.

I have done everything I know of to get this corrected, all to no avail. I simply don't know what else to do. If I can do anything to prevent anyone else form experiencing the same thing at their hands I happy to do so. This experience has severely damaged my credit causing me and my family to suffer a great deal of stress. I cannot get a car loan; I cannot get a student loan for my daughter to attend college. I was turned down for a lower mortgage interest rate and auto insurance, all because of this one "bad dept" when in fact it was paid two and one half times over.

It seems like it will never end. They continue to "update" my credit report making it look as though this dept was just charged off when in fact it was charged off over 3 years ago. I feel like a complete idiot for taking the credit protection plan because it was useless and cost me a great deal more than it should have. I was diagnosed with high blood pressure and while I'm not blaming it on this incident, I can assure you it didn't help!

Another letter from them dated July 15 obviously totally unfamiliar with what had already transpired started with "We have received notification of your lost/stolen credit card and a restriction has been placed on the account to prevent further authorization of charges.” Our bills are paid in full each month. This is a company that is not paying attention to a customer's serious problems and is causing serious harm to the customer.

Capital One would not lower our interest or help us out in any way, therefore in an effort to be good citizens, my wife applied for a Discover card and transferred the Capital One balance on it since it had 0%interest. It turned out that Discover only made a payment to Capital One of $5400. We didn't recognize where the payment was coming from and it went under the department of payment investigation of Capital One. When we figured it out, we asked the Capital One to send the $5400 back to Discover and called Discover and told them we were only interested in a full transfer balance not a small payment. This happened on May 10th of 2010. Ever since then, my wife has been almost weekly if not daily with Capital One and Discover card as well. Our Capital One balance is today $17K and Discover card balance, $ 5709.

My wife and I had spoken to countless senior account managers and these are some of the contradicting things they told us: "the money had been sent and it will take between 48-72 hours to process" or "it takes between 2 weeks to 17 days" or "we sent the money but Discover keeps rejecting the funds". Discover absolutely denies that. We even had three way phone conversations with Capital One and Discover where Capital One promised to send the funds and I had just called again, and as of 5 minutes ago, Capital One is still holding $5400 on which we owe late fees and charges and are at the point to be turned in to a collection agency.

I’ve been in bad health since this happened. I can't sleep, I’m losing lots of weight due to stress caused by Capital One. I've been trying to work with them in every way. I now call every day. I'm now having trouble collecting rent because of all the people coming and posting things on my units and then being told by people that the units were sold.

I called my bank, they confirm they sent the payment well before the due date and say they will called Capital One.

The bank managed to get Capital One to take back the late payment. Bank called me and told me that they told Capital One they were going to report them for holding on to a payment past the due date. Well, I got laid off in December 2008, close my bank account inFebruary 2009, stopped all automated payments. I ended up overpaying Capital One and they owed me money, think they called? Capital One changed my due date, causing a payment to be late. I called about that and tried to pay over the phone with my debit card. They refused saying that they only take another credit card or debit card with bank account information.

Funny how every other company will take a debit card for payment, like AT&T, Verizon, the gas company, electric company, garbage company and other credit cards. You send them what you can, trying not to be late and they still call and insist you pay them like $100 more than your payment, on top of what you paid. And how many of you have actually talked with someone who doesn't have an Asian, Hispanic or Indian accent? Oh, and I still have a card with a March 2005 expiration date on it. I couldn't use that card to save my life, but they can add whatever charges they want to it.

Today, I got a call from a local area code, the guy states he's calling from some tax place about Capital One. What? We got a tax refund so we don't owe any taxes. He starts out nice and then states that the State of Nevada will get their money. Sorry, I don't owe Nevada any money. Then he claims that the reason why I haven't gotten a job is because my credit rating is bad because I don't pay my bills. Sorry, again, Capital One is the only bill I've had a problem paying and I had a part time job in the meantime that my credit rating apparently had nothing to do with them hiring me. He got extremely insulting about my character and lifestyle, at which point, I hung up on him.

The bottom line is that I can't understand how a company can say that you have an open account when they have refused to actually give you an updated card, refuse payments over the phone, change your due date, charge you late fees and interest rates of almost 30%, harass you on the phone but say they have tried to work with you! I say that I should only have to pay my limit of $300 and then please, Capital One, cancel my card and never, ever contact me again! Without a steady income, the high interest rate, the company not accepting my payments over the phone with a valid debit card and secured by the State of Nevada, has caused the balance to more than double and the calls to be increasingly insulting. Capital One's practice of holding payments until late so they can charge the late charges has got to be illegal.

Correspondence to the three top executives resulted in a meaningless letter from some lower level officer. They're making extra money and no one has sufficient ethics to rectify the situation. This happened once before, and I stopped using their card. Their ad pushing the 0% loan ** me back in. How else can I let the world know about this rotten way of doing business? Stay away from Capital One.

I've had great success with Chase and with Discover. They will at least work with you so that you can try and keep your head above water, but not Captital One. When we do finally get out of this situation we're in, I will never have a Capital One card or use any of their affiliates for any of our loans, credit cards, etc.! Let's show them what its like not to have money coming in!

I was told, "We understand your frustration but we apologize as there's nothing we can do at this time to lower your APR. Please call back next month to see if it's possible at that time to reduce your rate. In the meantime, I'll notate your account that you called to inquire about lowering your rate."

Since Feb 2010, I called each month with the same question and was literally given the exact same (scripted) reply. In the meantime, my monthly minimum payment more than doubled to Capital One. I've struggled but paid each one and did so on time. July 2010, after six months of struggling and calling Capital One, I called again with the same question and was told by "Seth" that I could "Opt-out of the new terms" that caused my APR to jump.

I immediately reacted, informing him that I've been asking this question for six months. Why only now was I offered this wonderful news? His answer: "We are discouraged from telling customers about the opt-out option which also places your account in restricted status."

I asked, what "restricted status" meant and he clarified that "the card could no longer be used for purchases but would reinstate your original APR of 4.95%. "I nearly shouted "perfect! " when he told me this news. He said he would need to transfer me to a "senior account specialist" to complete my opt-out request.

I waited approximately 5 minutes and another gentlemen took over the call. He was quick to tell me: "You've unfortunately missed the window of opportunity to opt-out of the new terms and, therefore, you are stuck (he actually said stuck) with the new APR of 15.9%"

I was livid. I told him how I've called for six consecutive months asking how I can get my old APR of 4.95% back but was told to call back. And that my inquiry would be noted on my account. He proceeded to tell me "I'm sorry but there's no record of you ever calling to ask about your APR or any other reason". If I could have jumped through the phone to strangle someone at Capital One, I would have. I told him this is a scam and that I would be blogging this online on as many websites as I could locate.

He said, "I would do the same if I was in your situation". Either way, Capital One are running a dirty business of lending. Just Google "Capital One screwed" and you'll find a ton of posts like mine. I wish I could dump this account but, unfortunately, I'll be stuck paying off the balance well into the foreseeable future.

On July 5th, I went on-line to make a payment for August and I noticed four charges on my card. I called Capital One and told them I have not used my card since cancelling, and I wanted to know why they were allowing charges on a card I cancelled; Frankie, from customer service, tells me that it might be a charge from before I cancelled the card and the company was holding it. I laughed at her and told her that's just ridiculous, and I do not want any more charges allowed on my cancelled card! She said that I would be credited and my card would not be charged again.

The next day, July 6th, I go on-line to see if the charge was adjusted and noticed that the same company had charged my card again after talking to customer service on the 5th. I sent a message and disputed the charge once again and told them to stop allowing charges on my cancelled card!

They adjusted it and on the 12th, I noticed another charge from the same company, and once again, I wrote and told them that I am sick and tired of this ** and if it didn't stop, I was going to my attorney; they adjusted it and now today, July 19th, the same company has charged my card again, and for twice the amount as the last several times. I cannot get through their thick skulls that I have had it! This is stressing me out and I should not have to babysit a credit card that I cancelled months ago and have been making payments on every month over the minimum.

I am disabled and I have enough problems without having to be ripped off on almost a daily basis because Capital One doesn't care about the stress they are causing me, and refuses to stop any charges on a card that has been cancelled for months.

"I have had an ongoing dispute with Capital One for several years. It is still not resolved, yet I have tried numerous times to do so. At the onset, I questioned several charges and asked for a complete report of any and all charges related to the account. This occurred in 2006. To this date you have yet to comply with my lawful request. I have written numerous letters, asking for such information, giving you the name and account number that you needed to respond. Your response was to ask for the very information I provided. I called. The phone representative, Danisha, hung up on me. I stated that I was not refusing to pay the charges, but that I needed to verify them and would then pay what I owed.

At no time did I ever refuse to pay. I asked to verify them. Your end result was placing a negative on my credit report. I will still pay what I owe, after I have received a complete report from you and have reviewed it. You have acted unethically and most likely illegally. You even sent letters stating there was an 'unusual pattern' of charging. I provided you with not only my street address but my mailing address and you denied the account stating you did not have the street address. Your company has treated me completely unprofessionally. This is unacceptable. My one and only request still stands: provide me with an itemized report of any and all charges related to this account. I will then pay what I owe. You want your money; I want the credit report repealed. It should have never been placed since I repeatedly asked you to provide me with a report. Below you will find the information you need to comply.

I need a response from you immediately, stating that you will be complying with my request. I have sent this letter by email, as well as sending this letter by US Postal Service, and also to agencies such as the Attorney General and others that overlook consumer complaints."

The ACH shows as being deducted from her account but Capital One says they never received the payment. Additionally, as near as I can tell, the payments they require is for the month in advance. So in other words, if you fall a month behind on your May payment which is due on May 14th, then by May 20th, you will have already received a statement saying that you are now 2 months behind in addition to the appropriate late fees to reflect that even though the June 14th payment isn't even due yet.

To that effect, they have already started repossession proceedings when the last payment that was made was in April and they are now showing the account 90 days past due. Additionally, the repo man who just showed up at my house showed me the statement showing that the vehicle is 90 days past due and it's only the 15th of the month. They are using this to repossess the vehicle when the payment due date has just been reached and they expect the payment for the month in advance?

On top of that, they are now showing $500 in late fees. In Dec of 2009, I made arrangements with one of their supervisors over the phone to pre-schedule 4 payments of $400 from Dec until April. The payments were deducted from my checking account. The payments were processed and approved but since the payments were made through some form of third party, the systems at Capital One did not register as a monthly payment. In January of 2010, I did not receive a statement so I was under the assumption that all is well. Then in Feb, I received a statement showing that I was a month behind with late fees.

After half an hour of arguing with Capital One over the phone they assured me that everything was fine and once the final payment was processed in April that the system would catch up. Again in March, I was on the phone with Capital One and again, was assured that when the final payment was posted that everything would be caught up. The final payment was made and the following month I received a statement saying that the account was now 2 months past due and had $300 worth of late fees.

I contacted Capital One and advised them of the situation and was told that the amounts were correct and when could they expect payment. First they said that the account was actually 2 months past due and then said that the ACH payments actually caught me up since March and not April. I stated okay that's fine but it is now May 21st and even if that were the case if the account had been caught up and paid in full effective as of March 14th, how do they then justify $300 worth of late fees for the 2 month period? At $15 per month, that is $30 not $298. The answer I was given each time was the amount is correct, pay the bill.

Not only did they manage to charge me the late fees from Dec to Apr at an additional $86 per month but on top of that, they are trying to charge me the same late fees a second time and expect payment. They refuse to acknowledge my claims and will not even give credence to anything I say. No investigation, no resolution, just pay the bill. I am doing everything humanly possible under the circumstances to pay the bills that I actually owe without being held accountable for bills that are not even mine.

I did not mind picking up the slack and helping out my girlfriend when she fell behind but every time she falls a month behind, it ends up costing me a thousand dollars. I do not understand how they get their math? Currently they show the amount due as $1,600 for a car payment that is $312 per month x 3 months. By my count that amounts to $931 so where do they get $1,600? And to make matters worse every time I call them, the payment information changes to conveniently match their numbers.

Since I only received the letter from them two month after, I called Capital One service trying to get the past due fee removed. Instead, I got very rude customer service. The representative wouldn't even let me finish my sentence and refused to let me talk to anyone else! Of course, I didn't get anywhere. I ended up paying the fine and closed my account! It was such a horrible experience! I'll never use their service again in my life!

and my 16-digit account number

This is unheard of! I've had fraudulent uses with other credit cards, and they never request this information! My 1st instinct was to close the account immediately, but the lady told me that until they received this information, they would not be able to close my account. I'm really not sure what to do about this now. I refuse to pay any charges that are happening on my account should a bill come with them on there!

July 8, the new billing cycle, I saw an other interest charge. Because I had a charge from Toronto, so I thought that maybe the International charge fee, but it wasn't. I called Capital One's Customer service. The first rep was willing to waive that immediately. I thought that they can't do anything to Interest charge! However, I wasn't satisfied with that. I think it was a mistake. So I asked to talked to the manager. She explained to me again and again that was an interest charge for balance that carried forward and, you only see it on the billing cycle date.

The bottom line is when I made a full balance payment on June 10 that didn't take care of everything. There is still accrued interest charge that I won't be able to see until the new billing cycle date. I believe they knew that it was a mistake at their end. That 's why they were willing to waive that immediately. But what if I thought I have $0 balance and I don't check, would that go unnoticed for month? Then they will charge me late me, and interest, and interest on those fees. It's is ridiculous. I have Discover Cards and it never happen to me like that. Capital One is not a good credit card to have.

I'm just wondering why a program they instituted to help you is actually a way of helping them get over on interest. Why even have the program and how could I owe more interest when I'm paying every two weeks. I told them to cancel me from the program and I'll pay them when I can as it did nothing to help me; it only exploited my circumstances. I used every means of trying to rectify this loan. I asked them if I could put the missed payment at the end so as not to jeopardize my credit report and consequently owe more late fees and etc. They told me no. You can only put one payment a year at the end and that’s with a fee. I asked to do that and they told me I'm not eligible until July 25th. Until that time I'm being harassed and bombarded with interest even though they are exacting $35 each month as late fees, which now amounts to $473.69. Capitalized as payment due and charged interest capitalized daily. So for one month because I'm a month behind the summary looks like this.

I ask them to send it to a P.O. Box instead of the address they said. They cannot send it to the P.O. Box. They have to send it to that address. I explained to the lady that at this time, I am not at the address to ensure for me to receive my money please send it to the P.O. Box. They refused and now I have $500.00 sent to my address and I am not home. I feel they are not a good company. Any company will send the check to person that is requesting.

Bringing the envelope into the bank, I was told that they could not do anything due to the fact that I could not produce a deposit slip. The teller said that she never saw a deposit slip which was untrue. I questioned this by saying, if she left another check to be deposited, why did she not ask for a deposit slip or say she could not deposit without a slip. We called the issuing company who said they could stop payment and issue new checks, but two checks totaling $500.00 had been cashed. The bank is now insisting that we were given the cash. The computer says they gave it to us, but who programmed the computer?

Each check had "For Deposit" written on it. If she did not have a deposit slip as she claimed, why did she not inform us immediately that we needed one. I know that I included a deposit slip as I always do and I do not know what she did with it. When I asked why she did not ask for a deposit, I was given the silly answer, "Many of our customers deposit without a slip". So why did our deposit go awry?

I called Capital One at 12:30 AM, I couldn't sleep. I asked them if, because my account is in perfect standing, if they would reduce my interest rate. She put me on hold for a full 30 minutes! This company has never been so disgusting! When the very disinterested, very rude young man came to the phone (he was supposedly a supervisor), I asked to speak to another supervisor. He said he was all there was, and refused to put me through to anyone else. I did not sleep last night. I feel as though I'm being treated no differently than a person who either can not, or refuses to pay their bills!

If I hadn't threatened them with the attorney general, I imagine that the financial consequences could have been dire. I have very good credit, and it could have ruined it. I've experienced no physical damage, but I have been so preoccupied with this that I can't sleep, and it's constantly on my mind! What if my other credit cards begin doing the same thing? I'm trying very hard to find a way to get this bill paid off ASAP, even of it means applying for a new card to transfer the balance to.

I told her I didn’t think that was fair since I have been a good customer and paid on time. She agreed, but said there was nothing that could be done except for me to speak to an account specialist, but they were closed and I had to call back tomorrow. I did call back on the 26th and spoke to (Daniel), an account supervisor. He told me sorry, but he was unable to make any changes at this time and I was just stuck with the current interest rate. I asked for an account specialist, Daniel told me there was no such person. I asked for someone else to talk to over him and I was transferred to (Paula), a snotty woman with a southern accent who told me the only thing I could do was close my account.

I am shocked and disgusted at this comment. How can a large company who survives on customers treat customers so bad? I want to start a class action suit against Capital One MasterCard and get this interest rate reversed and all the money they stole from me back and make them stop doing this to good customers. By Capital One raising my interest rate like I am a bad customer, it will affect my credit rating and provide an opportunity for all my cards to do the same. This is unfair and, if it is, it should be illegal. Their greedy actions can have lasting impact on my credit score and my life. This is robbery and I think they are acting like mobsters.

Next, I would expect a hit man come to my house and try to make me stop complaining and just take the financial screwing like a good sheep. I can understand raising the interest rate of customers that are behind, but to do this to paying customers with good credit is unthinkable. This company should be punished for doing this to Americans in this time of economic struggle. If we want this economy to turn around, then we need to stop these giants who feel they are above the law and common decency to stop trying to extort the citizens of this once great country. If you are an attorney and can help with this, please contact me. I am sure there are others out there that would join in the complaint.

I asked him to give me an address of someone who I could write to, to have this managed and he told me there was no one who could change it. So then he spoke to a manager who told him if I had not had the late payment in Feb. that I could have the lower rate now instead of Oct. So I asked if I could speak to his manager. He told me there was nothing he could do for me but put me on hold. I was on hold and then disconnected. This seems a little strange and well to the advantage of the bank to keep the higher rate until October based on a late payment that arrived on the following day. My payments are made via e-banking from my savings account.

1. June 9, 2010. I purchased a round trip airfare from Minneapolis to Chicago for June 19 June 21, 2010. I was going to visit my father, in Champaign, Illinois, for Father’s Day. I also rented a car in Chicago to make the 150 mile drive to Champaign.

2. June 19, 2010. My flight was scheduled to leave on Delta flight 2207 at 5:00 p.m. As I approached the airport, I got a recorded phone message saying my flight was cancelled due to mechanical problems. The recording contained no information about alternative flights. I continued to the airport, sought out a Delta ticket agent, and asked to be put on the next flight out. At first she said there were no vacant seats, and I would have to wait until 6/20/10 to depart. When I explained my plans and complained about the last two Delta flight delays I had experienced in the last 6 weeks, she found a seat for me on a 7:00 p.m. flight.

3. June 19, 2010. I waited for my 7:00 p.m. flight. It was delayed until 8:15 p.m. I boarded the delayed flight; we pulled away from the gate, and sat on the tarmac for about an hour. The captain said there was bad weather in Chicago, but we would leave when it passed. In another 15 minutes, the Captain said we could not leave because the flight crew had worked their maximum 15 hours/day, so we were going to return to a gate and get a new crew. But there were no gates open, so more waiting. Finally we returned to the airport, but they had not found another crew. We were directed to return the next morning, 6/20/10, to board a 7:00 a.m. flight. They explained our luggage would be sent ahead to OHare Airport. 4. June 20, 2010. I arrived at the Minneapolis airport at 5:45 a.m. The flight was delayed and we left at 8:15 a.m. When we got to OHare, our luggage was nowhere to be found. We waited another 45 minutes before our luggage arrived. Mind you I had now missed the family golf tournament. The only reason I had checked baggage was because I took my golf clubs for the tournament. So I wasted $50 carting my clubs back and forth for no reason.

5. I picked up my rental car and still had to pay for two full days because I would now have the car for all of 26 hours. 6. I got an early start on Sunday from Champaign, Illinois to drive to Chicago to make sure I had plenty of time to board and check my bag. My flight from OHare to Minneapolis was scheduled on United Airlines, flight 687. I waited in line to complete the online check-in, but the computer would not recognize my reservation. I repeatedly asked the ticket agent for assistance. Four ticket agents went out of their way to either completely ignore my requests, or disrespectfully tell me to use the online check-in process. I told the ticket agent I had tried and it didn’t work. I was required to stand in another line, and when I finally got to the ticket agent, she looked up my reservation and told me my reservation had been cancelled. Not my flight, my reservation. I told her that was impossible and I showed her my e-ticket receipt sent by Capital One. The United ticket agent looked it up and said that Delta had transferred my reservation to American Eagle Airline. She directed me to run from Terminal One to Terminal Three to quickly check-in on my new American eagle flight.

7. I ran to Terminal Three, dragging my heavy golf bag, hoping I would get there in time to catch the flight. I attempted to check-in online, but again got a message to see the ticket agent. I stood in a very long line for just under an hour, and finally asked the ticket agent to issue me a boarding pass. The ticket agent looked up my reservation and said American airlines did not have a reservation for me. He attempted to call both American and Delta airlines, but neither answered his calls. He suggested I return to United and make them put me on a flight. But he checked and the remaining united flights were all full. I was desperate at this point to get on a plane and get home, so I purchased a one-way ticket on American and arrived in Minneapolis at 9:30 p.m. on flight 609. I paid $260.70 for the flight.

8. Had I chosen to just purchase a flight for my Father’s Day trip, I could have booked a flight on Southwest for $158, roundtrip. As it stands, I am out 35,000 miles and $260.70. 9. I contacted Capital One service desk on Monday, June 22, 2010. I was put on hold twice for a total of 75 minutes. In the end, I was told Capital One would reimburse me 15,000 miles for my trouble.

This seems like an insufficient settlement and totally unacceptable to me. Please either refund my full 35,000 miles, or repay me the $260.70, or cancel my credit card. If you review my record, you will see that I am a loyal customer, I promptly pay my bills, and I travel frequently, and expect far better treatment than I received from Capital One, Delta Airlines and United Airlines.

Most recently, I received a letter dated June 10 for a balance of $35.92. The letter actually states "because there has been no activity on your card, you may not have noticed a past due amount resulting from your Annual Membership Fee". Then it goes on to threaten closing the account, which originally was closed in Feb and I have confirmed this every time I have called. I have repeatedly asked, "How do I have a membership fee on a closed account?" and each time, their response is that it was a mistake and the fees will be adjusted. It is so frustrating. I don't have the time (or patience) to call each month and worse, I'm concerned that this is negatively affecting my credit since the bills mention a "past due amount".

I don't know if some people just give up and pay it. I would appreciate any help you can offer. I want the bills to stop and for the record to reflect that my card was paid and closed in Feb 2010 and that there are no past due amounts owed. Economically, I am concerned about the bogus bills negatively affecting my credit score.

She then asked me if I was employed. I told her I was self employed. Her reply was , "oh"…then she proceeded with just several more questions. I decided I would go online and sign up for Capitol One’s online banking. Upon signing up, I learned that even though I had a $300 credit limit, I had no available credit. I called customer service to find out why.

Well, long story short, they had flagged my account for possible fraud, because I told them I was self employed! They wanted me to send in a copy of my driver’s license, bills in my name, last year’s income taxes, and a bank statement for both checking and savings. For a $300 credit limit, I don't think so! Well, I checked my email just now, and I had an alert from Capitol One. They had charged my account $39.99 for the annual fee, on a credit card that I'm not even allowed to use.

I called them immediately, and told them to cancel the card. She didn't ask me why, but I told her anyhow. She seemed to have cared less. She didn't say a word. She just said she would cancel it, and report to the credit bureaus that the account had been closed within 30 days. She said the fee would be taken off of the card, and it would show a "0" balance. I have had credit cards for years, and have never been flagged for fraud. I am outraged! There are other companies out there besides Capitol One!

I don't know what they need to research and suspect they are just stalling. I told them I was going to file a complaint because of the false advertising. So far I have only corresponded with the company through their website by email. My first email was dated 5/13/10. They said they would get back to me within a few business days. That didn't happen, but they emailed me again and said they would respond no later than 6/10/10. That didn't happen either. I then emailed them on 6/13/10 and they apologized and said they were still researching the problem. They still did not request any further information from me. I think it is against the law for them to do this change based on the advertisement which led me to open the account in the first place.

Their hardship department said they would waive some fees but my $25.00 a month would never get any of the principal reduced. I told them that if it would not reduce any principal, I would keep my $25.00 a month and send it to another creditor, i.e. doctors, hospital etc. They plan to turn me over to the collection company. Well, I don't have anything left to take except my social security and I don't think they can get that. If it turns out that they can somehow get my social security, I will fill for BK. I’m totally stressed out trying to deal with people who don't care at all.

So, I contacted Capital one at 2:00 a.m. CST, and spoke to a representative from India. I could hardly understand what she was saying. After spending half an hour on the phone, I was issued a confirmation number. Later on that morning, I decided to call for a follow-up and to see if they would work with me on what the bank is going to charge for a Stop Payment. Would you believe that after calling the 1-800 number, the call continued to be routed overseas? Even after insisting that I wanted an American based agent, they tried to convince me that I was being forwarded to an American based Customer Service Rep. We Americans can tell the difference. Don't you just love it when they use an American name, but sound foreign? So the question here is, does Capital One hire American based C/S Representatives?

I have a very strong feeling that they will somehow make an excuse and charge me some type of fee and attempt to hike my interest rate. After all, they aren't making that much of an investment from me, being that my interest rate is 3.12%. If this should that happen, a formal complaint will be submitted to Lisa Madigan, Illinois State Attorney General.

I asked to speak to supervisors and they would never let me speak to anyone. They would take my name and number and no one would ever call back. I said I would make a payment, but I did not want it to apply to the over the limit fee, until I was able to talk to a supervisor and they would not comply. They said that the payment had to go towards the fees first, then the balance. So out of frustration, I refused to pay. Not a very smart idea. Now my credit is completely ruined. The balances are now more than doubled the original amounts and I get calls every day. They are willing to settle for slightly more than the original amount owed in one full payment, showing a settlement on my credit report which will do my credit no good. I feel like I am in a Catch 22. No way to win.

When I called them to find out what happened, they tell me that they never agreed to waive the annual fee, but only the late fee that they charged me on the annual fee. So now, I have a 30 late report on an annual fee + late fee on an account that I have not used and paid off a year ago. I feel like they lied to me and tricked me into this terrible situation. I will never use this card again and I advise people to not get involved with this company. Of course, I paid it immediately because they are not trust worthy. They have put a negative report on my credit report, showing 30 days delinquent for not paying the annual fee plus a late charge on the annual fee a total of $74 dollars. This will be on my report for 7 years.

Meanwhile, Capital One is charging me over limit fees, late fees and service charges every month. The balance is now $1,700.00 and these people want it all at once. I have talked to them and they told me they would put me on a "hardship", which would eliminate these charges for 3 to 6 months. That never happened. They turned my account over to a collection agency who said they would work with me, but wanted me to pay $400 at a time in 3 payments. There was no way I could possibly do that amount of money.

I have paid them money in the mean time and yet the balance keeps going up! I don't know what to do. They won't accept payments of $50 at a time. They won't stop the service charges and they get down right nasty with me on the phone, explaining that none of this would have happened if I had just paid my bill on time. I would have paid my bill on time if I had the means to do so. I don't know what to do, I am at the end of my rope.

I decided that since they raised my interest rates from 9-12% to 29.99%, I paid them off. Chase canceled 3 of my cards, and left me with one with a $250 limit. In the case of ML, they decreased my limit to only $8,000 from $15,000 and Capital One business card from $12,000 to $8,000. I have done research and found that credit card companies are penalizing those who live in areas of abundant foreclosures. In other words, we who pay our debt are paying for those who don't.

Another thing I found out was that Capital One was not giving out credit limit information until a class action lawsuit arises. It seems they don't want us to qualify for credit. By decreasing my available credit, they have lowered my debt ration which in return lowered my FICO score and for what? Paying off my debt? There should be a lawsuit against this.

He called over 8 times in a row, not leaving a message. Then he called my husband’s cell phone and left a threatening message (we still have it available if you need it). When my husband called him back to advise he has nothing to do with my finances and how Mr. Chris ** got his cell number, he told him it was a matter of public record (AT&T in fact, denies this).

I called Chris to inform him that he needn't call my husband with my personal issues and he got very hostile and angry with me. He raised his voice and began to speak over me, speaking critically to me and in an intimidating manner. I told him I was calling back to speak to his supervisor. I tried unsuccessfully 6 times to reach his supervisor to ask that someone less threatening and hostile takeover my account. Each time I was sent back to Chris despite asking not to be where he again, was angry and intimidating. 2 different times I was literally just hung up upon. Any information or advice you can give me would be greatly appreciated.

I contacted them by phone and was told there was nothing they could do about it and I needed to pay the amount in full. I asked for and received the total and promptly paid them, though I was not too happy with the whole situation. A few days later, I received a phone call saying my payment was late and I had to pay a $39 late fee, which I did. I tried unsuccessfully to get them to cancel the card. The time came when I needed some more stuff for my hobby and against my better judgment, I resorted to their card. Once again, the late fees and other assorted fees were tacked on, and this time, I refused to pay them. I paid what I owed them, but I wouldn't pay the excessive fees.

They continued adding fees and late charges after I destroyed the card and stopped using it. On Friday, 11 June 2010, I was served with a civil summons by a county sheriff’s deputy saying I was being sued by Capital One Bank USA for $1587.45 plus $238.11 for court costs and attorney fees. I have 20 days to respond or they could find judgment against me by default.

After several weeks, I contacted Capital One, and was told until the info is verified, I should continue to make my regular payments. It's been several months since then, and it does not seem like anything will manifest. My financial situation would not allow me to make the kind of payment I would like, to rid myself of this issue. At this point, I was once again informed that my account status prevents them from assisting me in this matter. However, the problem was created by Capital One, when they removed the charges, and re-applied the charges, and did not honor their own resolution for an issue like this. This hinders my chances of receiving loans, or other assistance from Capital One Bank.

The first person I spoke to laughed at me when I asked if we could work out payments. I told him that all my other creditors worked out a plan, and he responded by telling me that Capital One wasn't tied to the agreement that other creditors were, because they weren't tied down with the government plans. So, after a month of not paying them I called again and the woman I talked to said they could help me if I just pay the amount due that month. I paid them then called and again was treated like a circus flea.

My Capital One payment due grows a lot every month. I told them that if they didn't treat me with some respect and work something out with the payments (I played the "you pay and I'll be helpful game several times), I wouldn't pay them at all. As a result my balance on the Capital One card keeps growing. I know that is not the best economic result, but I still sting from the rude treatment.

When I called to question the increase, I was told because of the "current economic conditions" they raised their APR on many customers. I was told not to take it personal (ya know, cuz it wasn't just me they screwed over) and they had actually sent a letter over a year ago advising me of the change. Really? I'm supposed to remember one letter you sent me over a year ago telling me you were going to raise my APR for no reason? Oh wait, there is a reason. Because of the recent government regulations on credit cards regarding fees, they have to make up their money somehow, right? Well, this is how Capital One is handling it.

I was finally able to get through to a supervisor at Capital One who agreed to decrease my APR down to 10.9%, still 2 points higher than it was previously, but better than the 18.9% they tried to screw me over with. Of course, this rate is only good for 6 months and after that it will go back up. This is the reward or thanks I get for being a responsible consumer? For making my payments on time and taking my credit seriously? Shame on you Capital One for screwing over a good customer. I will be transferring my balance to another company as soon as possible. After reading all of the fine print of course and making sure my APR won't be double digits after the introductory 0% balance transfer deals they give you for the first year. Increased payments after the interest rate more than doubled.

The settlement agreement laid out by Capital One is as follows, "The calls you received were intended only for the purposes of discussing a payment arrangement and are not meant to be harassing in any way. We regret that you are dissatisfied with the service you have received; however, you may be assured that Capital One and any company retained to collect the debt on our behalf must adhere to all applicable rules and regulations when contacting a customer about an account that is delinquent or over limit.

We have removed your telephone number from our call lists regarding the collection of this debt. We will continue to send monthly statements and any other written correspondence, as we are required under current regulations. If your account becomes over limit or delinquent after being brought current, it is possible that you may be contacted again.

As a gesture of customer goodwill, we have issued credit for the $39.00 Past Due Fee assessed on May 6, 2010. This credit will appear on the June 2010 billing statement. Please be advised that a Past Due Fee is assessed in accordance with the Customer Agreement if the minimum payment is not received by the due date.

Additionally, if an account exceeds 30 days past due, the delinquency is sent to the credit reporting agencies. As of May 28, 2010, the account is 19 days past due. To prevent this current delinquency from reaching 30 days past due, a payment of at least $7.49 must be received prior to June 9, 2010. However, to avoid an additional Past Due Fee, the entire minimum payment of $88.49 needs to be received no later than June 6, 2010.

I appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at 1-804-968-3387.

Sincerely,

Executive Response Committee Capital One Bank (USA), N.A."

I paid over my minimum balance due on 6/2/10 but when I call this PM, 6/2/10, my account is still in the collections department and they will not let me speak to customer service. The person I spoke to went to get the floor supervisor, and I've been on hold ever since--over 30 minutes. This company's practice is appalling. Please let me know if anyone is starting a class action suit here in Oregon like the one in Mass. This type of practice cannot go on!

Apparently, Capital One failed on their part to draft the $35 from my account therefore quickly started phone calls to my residence stating that I failed to make the payment so I defaulted on the agreement and demanded the total amount in full. No questions asked even after paying the three scheduled payments. Upon trying to work with Capital One and trying to get them to see that it was their error by asking them to read their notes or find Scott, the account manager, who made the arrangement to no avail. Just about every representative at Capital One that I have had the pleasure of speaking with has no IPC skills. Very poor customer service. Just money hungry individuals and it's not even for them.

End Result is Capital One was not happy enough to tell me, a single mother who was trying to work with them, that they could help me by offering me an extension so they could get three payments then came after me to tell me I defaulted in the agreement so now they want all the money. I didn't have all the money so Capital One took my vehicle from me and my children after I did my part. They lied. My children and I were left without a vehicle since 05/21/10. My friend and I had to use our rent money and we had to sell some personal property to come up with some of the money to get the truck back. We still don't know the amount of charges for the storage fees but we will find out tomorrow. Thanks to my friend dropping my daughter off and picking her up from work as well as others she would have lost her job. I nor my friend have the money to pay our rent this month 06/01/10. We will eventually pay it, however, it will be late. But hopefully in time, we will all be caught up and I can work my way clear away from Capital One.

I had no balance in March 2010. In April, I had a balance of $7.49 for which I never received an e-statement. In May 2010, I received a statement for $2,232.96, including a late fee of $39 (for missed payment of $7.49). I had to put my Dental surgery on the card on 4/29 for $1,408.35, 4/30 for $750, 5/3 for $50. These charges are applied to the June bill seen on the May statement. But now, I am being hunted down by bounty hunters to pay this early.

I had seen on your web site that there are numerous complaints against Capital One similar to mine. And furthermore, my complaint extends to this. Over the last 1-1.5 yrs during which time, I have been charged late payments. I thought I was going crazy that I hadn't seen or paid them. But as like the other complainants, either my payment was purposely held up to be late or I never received the E-statement.

I find this practice of demanding and threatening to ruin someone's good credit because they did not receive a statement for $7.49, therefore did not pay it, being charged a $39 late fee (for $7.49) disgusting. I think their practices should be further looked into! I wish to file a complaint and would like to know where else I can voice this complaint so that something can be done about their malpractice.

Their attorney said the card protection was from an independent company when on every bill it says: Card protection provided by Capitol One. I don't have a copy of the form requesting the activation because I was very sick and I never thought I would need protection against them. I did everything they asked me to do and until recently, I could not think of anything but getting well. I trusted them to do what I paid them to do - protect me. They did not. I have a new court date of 6/2/10. I understand and I admit this is my bill, but I don't feel I should have to pay 10 times that amount because they can't find my paperwork. On 5/19/10, I contacted their attorneys again to reach some kind of reasonable settlement. Instead of trying to settle the account even knowing that my permanent disability makes this case judgment proof, they refused.

They intended to pirate my bank account knowing fully well that I receive disability checks as my only source of income. Also, until last week, they continued to call and harass me even after I wrote them a letter demanding they stop calling me and only contact me by mail. I am very angry and frustrated to the point that it is seriously affecting my health. They wont let me use the credit protection I paid for, yet they continue to charge me for it. Charging interest upon interest and it is my understanding they will continue to do so until infinity, though the account is a write off. They make it impossible to pay it off.

Everyone at the company is telling me that I just need to accept the new terms as no one at the company can do anything for me. This must be illegal! I did not default on my payments. I've been a loyal customer for years and my reward is tripling my interest rate.

Please help me resolve this issue. All I need is my interest rate reduced for 1 year so I can pay my balance off. No one will listen to me at Capital One.

It looks like they are doing it a lot to people, just after they transfer a balance to Capital One at a low-rate offer sent in the mail. If you accept the offer, the transfer will be at a low rate, but your prior balance interest rate will go up, which makes the transfer rate of no use.

Capital One says that since I agreed to the withdrawal by these scam artists, there was no fraud committed. I never received any services or money from MRS, and the advertising campaign I paid for that these companies had supposedly ran which was never done, and the company was shutdown before the campaign could be finished, if done anyway. The form I signed, agreeing to the withdrawal of the money, was obviously part of the scam operation and not legitimate, but Cap One is still holding me responsible for the amount, instead of going after these crooks.

Cap One has created a huge loophole in the system for scam artists to operate as in what has happened in this case. If Cap One follows the card association rules and regulations, then they are in violation of what the association defines as fraud. This is definitely a fraud claim that Cap One is trying to shirk even though they have the resources and proof I can supply to do so.

My husband builds power plants, and we move every few years. When we moved from Iowa, as usual, I forwarded all of our mail through the post office. At our new location in Minnesota, we received all of our mail, at least I thought we did. After being at that location for just one year, we had to go to the next job location in Missouri. So again, we moved to the new state, and as usual, I forwarded all of our mail through the post office. And again, I received all of our mail as usual.

After being in Missouri for over a year, I received a letter from a collection company stating I owe them over $1,100 for the Capital One account that I believed was paid off years before.

Now, it is 2010, and I am still being called about this account. As I live in Missouri now, the statute of limitations on credit card debt is 5 years. But the rep who called me told me it is 10 years. I did not argue. I just told that person that I do not owe this amount of money, as my credit limit on that card was only $500. How is Capital One able to continue to asses late fees and then over limit fees until they get to an account that is now over $1000?

I don't know what to do, and I do not think it is fair that they can charge me so much money for something I feel I paid off in full. And after 2 years of not hearing from them, I got a letter in the mail stating I owe them over $1,100.

Now, a new collection company just purchased this from the last company that I guess owned it and tried to get me to agree to a settlement of $695 and then to pay it off over the next 7 months of $100, a month until paid off. I said no. I do not owe that money, so I am there for not paying anything. The rep then threatened to sue me. I just asked them for their fax number and told them I am going to send them a letter regarding this account. I am going to send them a letter. I found there are debt sample letters that can be used, and there are many to choose from.

Is this legal? Can a credit card company charge a consumer without their knowledge for so many months and years? What to do?

The consequences of $544.00, being without my consent, withdrawn from my checking account has resulted in me not being able to pay some of my bills for fear the checks will bounce.

As you obviously have my phone number and address, I fail to understand why I have not been contacted by you either now or in the past. Now my wife and I have to endure the rude phone calls for collection agent. I want to know what is going on. After the payment investigation dept. received my fax, it would have been nice to have been contacted about the results. My wife talked to someone named James who gave her the fax number on March 26, 2010. I don't know why we have to be treated in this manner. Both my wife and I received offers for credit cards in the mail. If this is the way you treat customers, we want no part of the company and will tell our friends and family not to deal with you.

After not receiving a new card, I called again & again spoke to India Fraud. Some time later, I received an Express Mail with a new card, new in color only as my credit card numbers were unchanged from the card I was instructed to destroy. The last time I was at Holiday Inn Laurel was when I arrived on 6/21/09, and departed on 6/22/09. The purpose was to visit our wounded soldiers at Bethesda & Walter Reed, as part of the Ct. Operation Gift Card Program. When you sent me notice that you considered the subject closed, you sent along copies of a hotel bill that did not include my name or signature. This charge has again appeared on my latest statement, which I will again deduct. And I will not use the "new" credit card with the old number. My concern which I shared with some US people as well as your India folks is that someone at the hotel may have kept a copy of not my June 09 trip, as I paid with a Mastercard, but a trip I made back in 08 for the same good purpose when I used my Capital One Card.

I called back, explained the situation, and my minimum payment due was now over $200. I explained it all to them (I still had the $90 that I had held onto in order to pay them). I asked the rep if I could just pay that and then wait again for financial hardship. I was told no, to wait for financial hardship and maybe they could work something out. Again, I waited. Nothing happened. I got a letter in the mail from Capital One claiming I need to call MRS Associates to see what can be done. I did so and found out that they are not a financial hardship firm; they are a collection agency. These people treated me as if I was some kind of criminal, talking to me in very rude fashions and constantly hanging up on me if I so much as begin to stress my voice at all. I spoke to a supervisor within MRS Associates. I was told that Capital One will not speak with me at all.

Finally, I called Capital One Corporate HQ and got put through to some account manager. She attempted to help and would forward the information of my complaint. But she said that I would not be contacted by anyone from corporate since they are not in the business of contacting others. Capital One is a sham of a company and I hope that I live long enough to see them fall. Anyone thinking about getting a card through them, please don't. They will bully you into high interest rates, horrible overage charges, then smile and tell you that they will help and ** over.

Eighteen months ago, she was diagnosed with kidney cancer and given 6-18 months to live. Except when she took an eight-week leave of absence from work to have a kidney removed--she continued working until January of 2010 when she was in the hospital for pneumonia, ketoacidosis and a multitude of other issues. The retail store she worked for couldn't hold her position for the six weeks she would be out and she wasn't eligible for another medical leave (one per year is their policy). So her income was cut to an $800 per month Social Security benefit. In the meantime, her expenses increased with additional medications and co-payments trying to deal with her illness.

At my recommendation, she had contacted Capital One back in August of 2009 and told them she was terminally ill and having problems paying the bill. They were easy to deal with and told her to pay what she could, when she could. Five months later, she started getting calls from the recovery department. She was in the hospital and in ICU when the calls started so I called them and explained what was going on medically and financially.

The recovery department warned me that if the account was written off, it would be derogatory on my mom's credit and I told them that it was fine, do what they needed to do to her credit but write the account off and please stop calling her. She had no money, she had no job and her income didn't cover her living expenses and medical treatments. All is good, they'll do that and not call again.

Until last month, no one called. In April of 2010, she started getting calls again from Capital One now calling themselves 1st Source Advantage and acting like a collection agency. She referred them to me. Now, my mom's condition is grave. Her hospice nurse is telling me that it's days or weeks, not months, and that she could go to sleep and not wake up. She doesn't need this ** over a lousy $2,000 bill that was written off months ago.

So I called 1st Source/Capital One this past weekend. I spoke to a woman who was at best vile. I tried to explain the situation. I told her that my mom was dying of cancer and that Capital One had agreed to write off the bill. She replied, "My brother is 21 and has cancer but he pays his bills. I think that a 21-year old with cancer is far worse than your mother and she is a deadbeat." I almost fell out of my chair, I should have stopped there and hung up or asked for a supervisor but I was too shocked that someone would actually say this to me.

I told her that my mother would not be paying this bill and to please contact the recovery department at Capital One for more information. She replied, "My client will get their money. Does she have a life insurance policy? If so, you had best make other arrangements because we will take it." I have since called back and spoken to several supervisors who claim that they will take care of this woman and her attitude. I certainly hope they do. It's unbelievable to me that with so many people out of work in this country, that Capital One would allow someone with this sort of attitude to represent them.

I called over and over to discuss but they would not lower my interest rate. Finally, one account supervisor said that they would lower the APR and I would receive confirmation by mail. I never received that mailing. Of course, Capital One denies making that statement. Just recently, I settled with Capital One verbally (for the full amount minus the interest accrued at 29.9% and an R5 rating.) The agreement was to have my money to them by April 8th or my account would charge-off with an R9 rating.

So I sent the payment ($11,267.00) on April 5th via UPS overnight delivery on the 6th with signature required. It went to their corporate office. Capital One said that they did not get it until April 12th. I sent proof of delivery. They came back with a letter stating that it was not sent to the proper department so they would not honor the agreement. They have reported an R9 rating to the credit bureaus. I sent e-mails to the CEO keeping him in the loop as it was impossible to get in touch with the contact person assigned to my case. And the receptionist could not provide me with information on this person as I was told he was not on their personnel list. I called again at another time and got the same response. Capital One does not want to help people and it starts at the top. Employees would not lie unless they knew it was acceptable by their company. I encourage people to report problems in dealing with this company. They need to be held accountable. I have had exceptional credit ratings my entire life until this situation with Capital One. Capital One has a 15-year relationship with me and they just wrote it off as if they couldn't care less.

Capital One was to credit me on 12/31/2008. They did in January 2009, I was also sent forms to complete and I faxed them back on 1/25/2009. Magic Carpet never denied owing me the monies yet Capital One recharged my account. While reviewing past statements, I wrote Capital One a letter a long with hard copies of the forms I faxed back to them asking, "Why?" I sent this in September 2009 and got no response from Capital One. Capital One owes a refund of all interest charges from 10/2008 to present. Also, the monies charged back from Magic Carpet Transporters. There were also others, that I am currently reviewing.

I tried to explain the situation to Capital One but there is no compassion there. I suppose that they wanted me to let the man go without meds or starve to death. They put the matter into collection with a law firm and all they wanted to do was to threaten me. I have copies of the threatening letters. Since I told them that I would seek some type of remedy to the situation, Capital One has instructed the law firm to go ahead and collect the full amount. So, the lawyers as instructed by Capital One have put a lien on my property, even though I have asked repeatedly to come to a meeting of the minds, so that I would have food on the table and try to pay this debt as best as I can. I do pay my debts. I am not a dishonest person.

I still think that they are unfair, but I am willing to negotiate. I do wish remedy. Interesting sidelight...another credit card that my dad had was discharged even though I had signing ability on that one too. Is this some type of policy that this company has? No caring or compassion? I am going to send them some money and it is all I have, to start to pay them back. I am trying to stay in honor. I noticed that Mr. Richard Fairbanks, the CEO of the company, made “One of the Best CEOs of the Year and Business Leader of the Year”. I would like to ask Mr. Fairbanks if he were in my position what would he do. Would he let his father die? I am so stressed over this that I had a heart attack. I do hope that if there is anyone out there that tries to do the right thing and help their loved ones, that they are reading this letter. I would never, ever do business with this firm again. I am crying as I write this letter.

My Capital One card though is $397 behind. I made a $75 payment last month and a $100 payment already this month (which is due on the 18th). I received my statement today which reflects $39 interest charge for last month (I understand that) and a $39 late fee due to the fact that I can not come up with the total past due amount. I called Capital One to inquire. I will need to continue paying this past due fee until all past due payments are made. Now if you do the math, my $75 payment last month was $3 short of breaking even. My $100 payment, only $22 is going to past due. How many months will need to pass before I can get this $39 dropped? This company does not want to help me get current because it will cost them $39 a month. Is there any help? Calling them didn't help.

If you feel you're being taken by Capital One, if you know you've sent payments and yet they claim they never received them in time or at all, if they seem to do whatever they have to raise your interest rates to a ridiculous amount like 29% or add over the limit fees until your balance is twice what it should be, send me a letter of your complaints and let's take this giant down!! !

If you want to take them to court yourself, email me for all the documents I have proving their illegal activities so you can not only win your case and not have to pay them a dime, but make them pay you!

They told me there was nothing I could do. The last person I got was Kimberly who was very rude and condescending, kept reading me the new rules set forth by Capital One. When she first came on the line, she told me she could fix my problem and that I would be the last person she would speak with. After sitting on the phone with her for 15 minutes, she finally told me there was nothing she could do since the date to opt out had already passed. When I asked to speak with her superior, she told me there was no one else I could speak with. The buck stopped with her and there was nothing else she could do, but send me a copy of the letter that was mailed out in January. If I had received that letter, I certainly would have called them, closed the account and kept that APR of 9.9%.

What these credit card companies are doing is deliberately not mailing the letters out to customers so that a customer never sees it and until the APR is increased on the bill, that's when it is noticed. When you call to dispute it, they claim it is too late. We are held hostage. The resolve that I would like is go back to my 9.9% and if I have to close the account to keep that interest rate, that's fine with me. This is highway robbery. Two other of my credit card companies did the same, but they were courteous enough to put the rate back to what it was and I closed the account.

I called Capital One’s customer service line and spoke to several individuals. I was told that despite my 11 years with Capital One and despite my excellent payment record, including as they noted early payments each month, they had made a "Business Decision" due to the current economic conditions to raise the rate. I asked for a review and for what options were available. I was told that prior to March 1, 2010, had I called them, I would have had two options; (1) Accept the 200% increase in interest rate or (2) Return to my previous rate of 4.9%, but then my card would have been canceled.

Again, note that I received nothing on my February statement from Capital One regarding any interest whatsoever. There is no interest rate on the statement. Unfortunately, I was told that since I did not take the OPTION 1 prior to March 2010, there is nothing they could do. They said that in effect, my not reacting to them in February 2010, I "ACCEPTED" the increase. I was astounded! They told me what a great customer I was and that they were thankful for the 11 years of loyalty, but there is nothing they could do, it was a "Business Decision".

By the way, I tried Chase, Bank of America, and even my local credit union, and none of them would offer to lower my APR. In fact, they all told me they couldn't. Bank of America was the only one that would lower the APR but that's from the high 10s/20s down to 10%. Luckily, Bank of America only charged me 6.24% APR and the rep explained she couldn't go any lower. I understood that and respected they had at least that program to help. But every little % helps. Citibank was the only company that when I called I didn't have to ask to speak to a supervisor.

The rep told me since I've been a valued member (7+ years too), she would look into it when my promotional APR of 1.9% went away and 29.99% kicked in, which is just in a few months. I asked if I should call in, but she promised me she would look into it personally and not to worry. In fact, a few years ago I called Citi and mistakenly thought my balance transfer was supposed to be for a longer time period, and the supervisor gave me a 0% interest rate for 1 year without me even asking for it. Citi has been the best.

Bank of America seems to have a way to help you, and the rest doesn't care about their customers. I've never paid anything late in my whole life and my credit score is in the low 700s. There's no reason for them to treat me like dirt. I'm closing out the other cards except for Citi and BofA when I pay off the debt. They don't deserve my money. Leave bad credit card companies that don't care about you and move to a company that does care about their customers.

They were not getting any returned mail which would indicate whoever they were sending the statements to was not kind enough to send it back and not to mention they now had my acct info. Due to me not receiving statements on their error, I started getting delinquent notices which I couldn't pay due to the months of not getting statements. I could no longer make payments and I was taken to court by them and now have them deducting from my paycheck. I feel this originally started due to a mistake by them and someone should have offered to compensate me for such.

When I got home, I saw I was charged $39.50 in additional interest payment fees. This brought me over my credit limit. Capital One immediately reported me to the credit reporting agency. My current account now reads $2031.00 due. Not only does the balance not make sense, but the outrageous fees for the advance should be outlawed.

Today, I got word from my friend that Jim Simpson, with whom I have just completed a policy for home insurance, was rejected for the amount I cited above. I expect to hear from them very soon and to be told that I can expect Capital One to honor my charges. This is a very embarrassing situation, and if they prefer not to have me as a client, they should let me know immediately.