Capital One Reviews

Eventually, from all the stress of life, I ended up not well during summer till fall 2009 and any extra bills that came in besides basic rent and food, we rarely opened because of the frustration of knowing we could not pay them as of yet. With all the loss we had already and had to medically get treatment for new symptoms. I am doing better and have to manage whatever I have to deal with.

In the meantime, the latest thing is that Capital One did not keep their verbal promise. My card limit is $500, but I am getting statements now ,saying I owe $1,153.54. I am appalled by these charges. To me it is fraudulent charges. It is like someone stealing my credit card and charging on it. The problem is, if I was to charge it, lets say for food and gas we needed, we would not be able to charge it. It would be denied. But it is okay for the company itself to charge on my card their fees when I have a limited amount? So, it is okay for them to cheat me?

Not only that, the collection agency they had was extremely unethical. At first, they are calling saying they want to work it out and bring down the payment and the interest of 29%. They want to bring it down to about $900. I said, no I can agree on six. Then, they tell me that they will promise (again verbally) to make a payment plan with me, if I pay "today" by phone using a checking account (which I closed before), or send Western Union (which I can't afford to pay that extra fee). Then, they will send me something in writing with the payment plan. When I said I don't have a checking account to provide, they suggested if I can use someone else's checking account that I knew. What kind of plan is that? This was with John from this collection place. It's suppose to be Allied Interstate but they leave another company name when they call.

Today was even more interesting. I spoke to a lady who transferred me to the supervisor Tod. As I was speaking to him, I firmly explained to him that I want the plan in writing first and then we can talk. And that it has to go down to six hundred dollars. I explained that Capital One did not keep their word and I do not trust anyone. So, what do you think he says; He laughs and says; "did they put it in writing?" I said, it was a verbal agreement. He said, that don't count. So, I said, "There you go, that is why your verbal agreement don't count either"... You think? He wants to do a verbal agreement and he just told me I should get it in writing. What a smart fellow. I said, "Thank you" and hung up, in between him saying, I will call you everyday! He can call all he wants, does not mean I have to answer the call!

I really thought that Capital One business was trying to work with me. I am highly disappointed that they treat people trying to publish or do any business from home, losing almost all their clothes off their backs in the manner that they are doing. I am appalled by this.

I am looking at other alternatives, even seeking bankruptcy at this point, again. Although I rather not. That is an extreme case.

This is causing my family more stress and making my medical condition more challenging at this time. I would love them either to bring it down to $600 and I deal directly with Capital One or for them to write it off as a loss. Otherwise, I don't plan to work with them at all!

So I stopped paying electronically and began sending a check via mail. I made sure to send it weeks in advance so it would have plenty of time to get there and be processed. Once again, they would hold onto my payment until after the due date and charge me late fees. Then they jacked up my interest rate on both cards saying how I had been late, which pushed me over the limit and then I was hit with almost 100 dollars of fees and they also increased my amount due dramatically.

I found out through the FTC this is in clear violation of the FGBA and EFTA, which states that they must "credit all payments to your account on the date they're received.” There have been so many complaints against Capital One, that the Attorney General in WV sued them in January of 2010 and won. I am starting the process of a class action lawsuit against Capital One for any customers in the Massachusetts area. Please send me your complaints and I'll keep them on file and keep you notified.

I do not want to ruin my credit and become late on any of my accounts if I do not have to. Ozzie informed me that he could do nothing because due to the economic downturn, most Capital One consumers are paying 17.9% and typically they would be lowered to the 14.9% if they asked. I then asked Ozzie, "So you are telling me that there are no other customers paying less than 14.9%?"

He told me that there were, but he could not lower my account to those rates. I basically begged him to help me out and wondered why the company would prefer to have a customer not pay versus have them pay less? He just kept saying there was nothing he could do, so I asked to speak to his superior, and then he insisted that she would say the same thing. I argued with him for several minutes as to why I couldn't speak with her, asked for his name, and he gave me his agent number so I could file a complaint.

He put me on hold for 5 minutes to get me the "number" of general correspondence, only to come back with an address that I had already found online. I again asked to speak to his supervisor and finally he agreed to let me speak to her. I plead my case, explaining that it's all over the media that credit companies are willing to work with you if you call before you run into problems and yet here I am, doing the exact thing, and they can't do anything for me. I thanked her for nothing and hung up! I am at my wits end and sinking fast. I am so irritated and outraged that I could cry!

Upon looking into my records, I forgot about all the problems I had with Capital One which I have brought to the Attorney General’s and Better Business Bureau’s attention. They seem to be the exact same problems that thousands of other customers have had with Capital One. So many complaints have been filed against Capital One that the Attorney General in Virginia, where Capital One’s headquarters are, filed suit against them for illegal and deceptive practices and won. I have asked for his assistance in doing likewise.

To start, Capital One would not acknowledge receipt of payments made until they were past their due date so they could charge late fees. If I paid electronically and got a confirmation number and printed the receipt out, they still said they had no record of the payment being made and the confirmation number and printed receipt meant nothing. I found out they did this to thousands of customers. If I sent a check in, even if I sent it in weeks in advance, they wouldn’t post the check until after the due date, again, to be able to charge late fees and then jacked up the interest rate to 30%.

When my credit card was being used illegally raking up charges in states I’ve never been, I called them and they said I would not be held accountable for the charges and they would reissue me a new card. They never did. They left the unauthorized charges on my account with steep over-the-limit fees since they jacked my payments up 75%, and no matter what I paid, it never went towards the balance, only towards over the limit and late fees. It spiraled from there. The last bill I saw was for $3,500, which was $500 over the limit. They now say it’s at $4,479.73, that’s over $1,500 of their fees they’ve added, not to mention the $1,500 charged illegally to my card. I’m sure by next year they’ll claim I owe them $6,000.

I have recently had surgery, out of work, and about to be homeless. If this total amount was all mine, which if no wrongdoing on Capital One’s behalf, I would be glad to make some sort of payment arrangement although at this time I can pay nothing. Capital One did illegal and deceptive things and I intend to fight it in court. I want it to go on record how crooked they are.

I provided my SS number, which immediately accessed my account. I stipulated I wished to cancel the service which had never been requested. The representative began spouting the praises and purposes of the service. I once again stipulated that I wished to cancel and would like my card to be credited for the unauthorized charges. He told me the service would be canceled immediately. I asked about a refund and was told that they have sent out a quarterly report that should arrive shortly and I was paying for that service. What service? I didn't ask for any service, no one ever spoke to me. I was then told that I had authorized the service when I opened the credit card. I have had this card for years and the charges just began appearing so we know that is impossible.

I asked how many other stories and excuses there are for having charged my account without authorization after which he told me that a credit would be processed and should appear on my account within 2 months. For now, I will have to take a wait and see attitude. This was not the first time something affiliated with Capital One appeared as a charge on my account without my authorization. How is it that a company can continue to get away with what I consider consumer fraud? They always cancel the services or subscriptions and refund the charges due to my persistence. I am sure there are many people who have been falsely charged and have no idea how to deal with the situation.

seriously as a first time credit card user I am not used to this anti-fraud stuff, but putting an account on hold for two payments made back to back is a little ridiculous. The guy in the phone also told me that this happens to everyone with a new account, I am not the only one, I told him that this waiting around for an answer was a hassle, and they are suppose to be the no hassle credit card company.

I am not impressed with the company so far and if this was not my first credit card, I would have canceled my account long ago and switched to a different company. At least, I got to put my own image on my credit card and so I have this neat little piece of plastic with a cool photo that all I can do is look at. The waiting around for them to make a decision is probably wrecking my brand new credit I am trying to form!

I then stood up to leave and Lynn took the check from her desk, and despite me asking her for it, since she wasn't going to do anything with it anyways, she refused and I reached over and took it from her hand since after all, it was my property and she refused to give it to me. She then very dramatically claimed I assaulted her and called the police. The police have already informed her and me that no assault took place, especially since it was my property in question nor was there any bodily harm on her part. However, the branch manager took it upon herself to freeze all my accounts, including the business account for the company for which I work, which is also the account payroll and benefits are drawn against.

No notification was given as required by law and they refused to speak to me, despite the fact that they have to in order to close the accounts, which they claim they want to do. So in the end, nothing criminal is happening despite Lynn's best efforts to the contrary. My accounts are frozen, including my employer's account which isn't even under my social security number and they won't speak to me to resolve the issue or even let me close the account. This is a violation of Federal and state laws governing banking and availability of funds, as well as a breach of contract between my company, myself and the Capital One.

Then when they jacked my rate, they called 18 times one day and 21 times the next to tell me that even though they received a payment this month that my extra finance charges have made my payment late. I am livid! I have never had this problem with any other card. I feel like I am dealing with the mafia! So let me get this straight: I am a good customer who makes her payments on time within the agreed upon payment and rate and Capitol Dumb treats me like this! Really!

Capitol One, I hope you are listening. I am nurse that works with cancer pts. My husband works for an engineering firm. We have good jobs and pay our bills. We would have had many symbiotic years, together, raising children, sending them to college, vacations, etc. But you have blown it. Not only have I posted on my network site about how you treat people, I also happen to work for the largest employer in the area.

I have attempted to contact them to see why and was actually told that they could cancel my card and not one person could give me assistance or a reasonable explanation. I was attempting to pay down the card for a family vacation. Unfortunately, I used my entire bonus to pay down the card and now have no money for the vacation.

I called the Washington Customer Service of the USPS and was told to report this information to the Postal Inspector's office in DC and I was asked to complete an incident report and be prepared to send copies of any incriminating evidence. Meanwhile, I spoke with P.O. Sheila D. at Boston's Police Headquarters and had no further contact. From then I paid more promptly until I was forced by health circumstances to obtain a Chapter 7 bankruptcy award.

The call center rep. agreed that it was unfair, but could not do anything about it. I thought you could not charge a fee for online payments. They believe the law cannot touch them. I would love to see them go under and those put in prison. They have inside people at the White House and nothing will happen to them. Down with Capital One and no one should ever think about using their service.

This is some of worst business practice I have ever encountered and the kind that bring about lawsuits. I informed the customer service rep that if this was not rectified, I can and will pay off and close this account. She had no options to lower my rate so I will be closing my account this week. After such long standing good account activity, I can't believe Capital One would treat me like this. Credit card companies think they can do whatever they want as they say "or you can pay off and close the account" knowing full well 99% of the card holders can't possibly do that. Word of mouth can go a long way and I'll be spreading this poor customer treatment as long and far as I can.

I was told how awesome of a customer I was and they appreciated my business, but they cannot refinance the loan or combine the card with the loan. In order to keep my excellent credit rating, my wife and I cashed in 401K and even our daughter's college fund and finally at the end of last year the money ran out. I even tried working with Consumer Credit Counseling, but they told me Capital One does not work with them or allow them to set up payment plans. Finally I just stopped paying them in January of this year at the advice of an attorney.

I have found out that the reason they would not refinance last year to help me out is because they own their own in house recovery unit that likes to refinance Capital One debt at twice the rate and fees so that they make more money on the second chance program than if they would have refinanced me last year when my credit was perfect. Every letter I sent last year and every person I spoke with told me what a great customer I was and they were sorry there was nothing they could do. I hate to see how they treat bad customers. Until this event I have never missed or been late or ever had bad credit and now thanks to what I consider unethical and immoral behavior my credit is shot and if I do make arrangements with them I will be paying them double what I owe them. What a disgrace.

I was told that I had to write a letter and ask to have the tax withholding stopped, I did that twice and they did not stop it. I was finally told by a CSR that the only way they could think of to stop it was to cancel the account and open a new one so I did. The next account that it happened on, I was able to get a CSR to stop future tax withholding but not until after tax was withheld. Now on another new account, they have done it again. I keep copies of the application forms so I can prove I never checked the box.

At first, I just thought they were screwing up, but now after a 3rd occurrence, I think it is a plan. I think what they are doing is withholding tax on your account balance, and then they apply the interest to the lower balance. If anyone questions it, they say oops, sorry about that and maybe fix it for you but in the meantime they have used your money, and then withheld tax that you didn't ask to be withheld so that they are paying interest on a smaller balance.

For most of the accounts the amount withheld is probably small, in my current case, $2.32, nothing huge, more of a nuisance, but if this is intentional and they reducing account balances by withholding fed tax, then paying interest on the adjusted balances, they are saving huge amounts of interest payments to their customers. Does this sound plausible, is anyone else having this trouble?

Each manager I speak with advises me that the money will be returned within 48 hours. I have kept records of every manager I have spoken with. I had $150.00 in overdraft fees as a result of the extra withdrawal or bounced checks. I also have a payment due for my son's admission fees in the amount of $900.00 that I cannot pay as a result of Capitol One not returning the money and restricting access to my credit card.

I get constant calls demanding payments we cannot afford. I am 66 and should be retired. My health has suffered from the mental and emotional stress created by the everyday phone calls. We are supporting children and grandchildren as best we can. My wife has no health insurance. Our car is a 1998. I live like a refugee, etc. and I will never have anything to do with Capital One when we get rid of this nasty group of people. I suggest no one does, emphatically.

Each time I was told to wait until midnight for the system to update my account. The payment was made on Feb 5, 2010 and as it stands now, I never received any response from Capitol One even though I provided them a copy of the agreement. I finally emailed them again and I got a response back that said they could not honor the unrestriction agreement since my account was scheduled to be closed per my request which I never asked them to do and my credit had been revoked so their hands were tied but I could apply for another card if I liked.

This is completely shady and unethical business practice. They did not care that I have excellent credit and have always paid my bill on time. In fact, it is my belief that this may have caused the interest rate hike. They suck you in with empty promises and if you have a good payment history, they milk you because they know you'll pay! I was a good customer for years and this is how they repay me, waiting for me to get a good balance on there and then doubling my interest rate. I have a few other credit cards, and none of them have raised my interest rate more than 1%-2% due to the bad economy. Please have your lawyers consider a class action suit against Capital One. Their business practice is criminal to consumers.

For the past several years, I have been charged outrageous overdraft fees on dollar amounts as small as $4-5 dollars. To be charged a $35 overdraft fee, for a transaction of $4-5 dollars is consumer robbery! I have applied for a line of credit through Capital One, for as little as $300 to help cover any overdraft fees that I may occasionally have, but was denied this small line of credit even though they "offered" it to me. I have been made aware that there is a problem with various banking systems in regards to the "excessive" overdraft fees they are charging its customers. If there is any information out there regarding these fees and the Capital One banking system, I would appreciate the information.

It is with sadden regret that I am currently decreasing the amount of money I have directly deposited to Capital One on a bi-weekly basis. I am also cancelling the majority of my bills which are paid through its bill pay service (another rip off), which is only another means to charge an overdraft fee, and is causing me an overdraft in my account on a bi-weekly pay period. I currently have two Capital One credit cards with no balances. I am also cancelling these cards. I have had these two cards for several years, each with a $300 credit limit. I have not had a credit limit increase, nor have I had the offer of a credit limit increase.

I am sure that my decision will, in no way, have any bearing on Capital One's procedures for customer longevity, and with the "millions" of individuals who are serviced through Capital One, I realize that I am the only one dissatisfied customer. In my opinion, "one" is too many! Thank you for your time in reading my complaint.

Consistent overdraft charges ranging from $200.00+ "every" pay period. This has caused me stressed in being able to pay my regular bills due to these overdraft charges being deducted each bi-weekly pay period when my pay check hits the bank. I am constantly running "short" on cash each pay period because of this, which causes me headaches and neck aches from the tension this procedure is causing.

"We have received your question regarding the interest charge. So that we can better assist you, we have reviewed your account and found that it is the finance charge on your purchase segment. Interest will not be assessed on new purchases if the total new balance is paid in full prior to the payment due date. If you do not pay your next bill in full a prorated interest charge will be assessed on the unpaid balance. A prorated interest charge will be assessed on the remaining balance and will be applied in your next month's billing period. If a cash advance or special transfer is made, interest will be assessed as soon as the transaction applies to your account."

I am being charged $82.18 interest on this account even though I received this email from Capital One services stating that my promotional rate expires May 24, 2010. I called customer service hoping to resolve this matter. I was transferred to Acct Mgr. "Amanda" who asked me to hold for "3-5" minutes. After holding for about 23 minutes I hung up and tried again. This time I spoke to Acct Mgr. "Jasper".

I explained that I had an email confirming the expiration of the promotional rate as May 24 2010 and that I did not see why I was being charged. He put me on hold just a few minutes and asked me when I made the transfer. I obviously don't remember the exact date and that's why I emailed Customer Service in December 09 to confirm the expiration date. I told him I had an email from Cap. One. He said, "well that email doesn't mean anything to me". I told him if he couldn't help me, he should transfer me to a supervisor. He said, "My supervisor doesn't take calls."

I asked him to transfer me to another acct mgr. He said "I can't do that, I'm not going to transfer you." So I hung up on him, called back and spoke to "Pauline". She within 5 minutes and without being rude was able to reverse the charge of $82.18 "as a courtesy" but informed me that my account is still accruing interest and would continue to do so regardless of the information given to me in the email.

could do is honor the expiration date of May 24th I was "mistakenly" given. I am not trying to cheat the system, I am not trying to take advantage of anything. I am only asking that the May 24th expiration I was told of be honored so that I can work out a way to pay the balance before then.

"Dear Evelyn, Your balance transfer interest rate is 0.00% non-variable. This interest rate will expire on May 24, 2010. After the expiration date, your interest rate will be your existing purchase rate. We determine the different fees and rates for each of our products depending on the services we include and the markets where we offer them. We continually review our rates to assess their competitiveness. If we determine in the future that we can offer a change, we'll let you know. "

The balance on my account is from a balance transfer I made, when does my promotional rate expire and is there a way to extend it?

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

Last year, I transferred a balance onto my Capital One Card and was promised a 2% balance transfer rate by operator **. Upon receiving my bill, I learned that I was being charged 10.99%. When I called to advise of the mistake, I was told that I agreed to 10.99%. This was an outright Lie.

Capital One reiterated this fraud by responding to my consumer complaint saying the same thing. Recently, I refinanced my mortgage and consolidated Credit Card Department, including my Capital One Card. My intention was to get rid of this card, pay off the balance and never have to deal with them again. I, of course, continued to make all payments on the card during the refinance process. At the time of my closing out of a concern, there would be a further delay in getting the final payout to Capital One.

In March, I called and requested an extension on the payment due date to allow a window for them to receive the payoff balance. I was told over the phone, "No problem" and my due date was extended a sufficient amount of time to pay off the card. I have now received another bill with a late charge and an additional finance charge because Capital ONe did not extend my due date as I was told they would.

This company is defrauding consumers every day and getting away with it. What can be done? There was an undue charge on my card after Capital ONe agreed to extend my due date.

I then spent 6 months attempting to pay if off, since each time I called for the total amount owed and paid that, there was always some charge added that kept the account open. It dragged on so long they added an annual fee. I finally got irate and asked why they were not telling me the correct amount that I owed to finish it. They said that even they did not know that. Then I asked if I could pay over, just to finish it, they said they would refuse the check and charge me a late fee if it was over even a single penny.

Now, on my credit report is 2 late reports from them (not the case originally, and one for over 60 days, which is totally false). I believe the original late incident was created by them to get out of the low initial interest offer. They have also requested credit inquires 6 times in a 2 month period on me to damage my credit rating, since I am very not interested in having their credit card ever again.

I don't believe there are any checks and balances on these companies for engaging in these practices. I think people will assume you are a liar, and the company isn't. The times they were investigated, they were guilty of this and continue in these practices. It is way too easy for them to hold payments and the consumer has no protection on it. They also should be legally forced to accept direct bank payments without their high fees, to stop this holding payments game, and holding hostage your credit score.

Don't deal with these idiots! They don't send out monthly statements, so you really don't know how much you owe until you tell them! This is the poorest excuse for a credit card company that I've ever seen!

It wasn't because of the new credit/bank laws that were to go into effect at the start of the new year, so the credit card companies have unjustly targeted cardholders with bogus increase. If I am being penalized for being late twice, why would they turnaround and reward my account with an increase of $3500.00 then raise my interest rate? When I called the card company, I was told I could request an interest rate reduction after six months. On the seventh month, I called the company and was told no, not in six months but call back after 12 months. I'm most certain I will get another story then too.

After getting off the phone with John D., Capital One telephoned me to advise that he had attempted to charge an additional $500 to my credit card subsequent to our conversation without my knowledge. John D. told me not to worry because I'd have a $5,000 check by the end of the week that would more than cover the charge and that they would assist me to accomplish this immediately. Then he said that I should leverage earnings to meet the $10,000 fee to become an "inner circle" member. He promised an all-expense paid training session in Malibu, CA or he'd fly to my home in Minnesota to do the training. I never heard from him again.

The reality of the situation was that they basically blew me off from the beginning. Their initial scheduled phone conference with an agent was totally ignored and I finally had to call them. The agent seemed surprised and unprepared to speak with me. This was their repeated pattern which reflected a total lack of attention to any service or training commitments.

It is not about network marketing training, it is purely a money-grabbing scheme which is unlawful. The Los Angeles Police Department is actively investigating them which will result in charges against them. Needless to say, despite my numerous timely attempts to have the $2,000 charged back to IncFortune.com, which included providing Capital One with various forms of documentation, Capital One has sided with the IncFortune.com predators and refused to credit my account.

Therefore, I consider them complicit with and an accomplice to this internet marketing scam that has fleeced at least 80 to date including the elderly who literally turned over their last dime to these no good gutter snipes which has left them literally penniless. This is an admonition to beware of the Push Traffic, aka Success Rate, aka IncFortune, aka Jump Launch, etc. scam and Capital One. Don't do business with any of these people. They obviously are looking out for each other and not for the good of the consumer. I have an outstanding charge on my Capital One Visa card from IncFortune.com in the amount of $2,000 which is accumulating interest charges daily.

Period, you have to have one. Now they are also going to start charging us extra fees for debit check cards. Capital One used to be a great company but now is a money hungry *** like the rest, maybe the worst. Well, other than Chase who is disgusting. I guess we need to go back and be like our parents, only buy something when we have the cash to pay for it. Use your card and pay the balance immediately online so they can't lie and say they never got your check, which they do all the time. The only problem with this is if you are a responsible customer who carries no balance, they will cancel your account. Since we have to have some kind of card in today's world, we must play their sick twisted greedy games and it makes me sick. It costs a fortune and you can never get out from under them.

When we first contacted a CCCS company, we knew that there would be some timing issues regarding the proposals to our creditors and reaching mutually acceptable agreements for repayment of the debts that are owed them. Initially, the first proposal to Capital One was declined because the proposed payment amount was too low by approximately $3.00. I was contacted by the CCCS company and was told of Capital One's rejection of the initial proposal and the counter-proposal that Capital One had offered. I immediately agreed to Capital One's terms. The CCCS corresponded back to Capital One stating our acceptance of their counter-proposal.

My problems with Capital One are:

1. One hand doesn't know what the other hand is doing (departments at Capital One don't communicate with one another).

2. Each time I am contacted by a representative from the Capital One collection department, I get someone from India who speaks very poor English, rude, hangs up on me and refuses to let me speak with a supervisor (most of the time) when I ask to speak with one even though I am polite and respectful towards them. When I do get to speak to a supervisor, I am passed off to someone who seems to put the phone down when I am voicing my complaints.

In my humble opinion, Capital One has become one of the many scourges of the financial industry. It is my intention to blog excessively; file complaints with as many regulatory agencies as possible with regards to just what I have experienced with Capital One.

3. Capital One has already agreed to the revised debt repayment proposal yet they constantly call and harass me. I am getting calls even after it is legally permissible to call (have had calls at nearly 12:00 A.M. and before 8:00 A.M. as well).

The day after when I went to inquire and spoke to a Hispanic staff at the Pelham branch, the staff went over to the manager and the manager with a tone told me that she was going to close my account because I'm always complaining about my balances every day. I simply replied about what Sara and I had spoken and told her I would call again to Customer Service. When I spoke to customer service, I was told that the manager was not closing my account but if I caused a scene, she would close it.

This upset me because I had perceived her as a person with racial issues. For example, if I treated myself to coffee as the bank offers as a hospitality to customers, she would come charging at me to tell me not to take coffee because it was for customers waiting to be called. Anyway, I went over to the bank and disputed with her about her comment with customer services regarding a scene and she closed my account.

This dispute caused me to get arrested and see a judge at criminal court. She called the cops and lied and told them that I have a gun and that I wanted to shoot them all. I still have to see the judge on june 8th of 2010. I would very much like to have these two workers terminated from their jobs. Please reply. Thanks.

But ,they charged me another late fee. Every month it is something else. Are they trying to ruin my credit? When I paid online, they swore they didn't get the payment; I paid by mail; the mail was late. I wonder, do they let the payments just sit there in the office until they figure out a way to take my money? I cut up my card today, April 6, 2010 and when I requested a statement for the last three months, they hesitated. and said each sheet would cost me $3. And, if I cancel, that I will incur more fees for that decision and new fees will be assessed until I pay off the balance, a balance they cannot verify immediately by fax. I can't imagine what fees they can assess against a closed account.

However, when I called back a week later to actually request the transfer, I was told that the interest rate for transfers was 18.99%. I was transferred to an account manager who when I told her of my problem and the message I received from them the week before, she told me it was a mistake and that I wasn't eligible for 0% on transfers even though they told me I was. I immediately responded with asking her to close my account. This is not how you do business. I've never seen a credit card company wait 14 days to reflect your payments in your available credit. And, to go back on your word on a customer who paid the account on time and in full, well, that's just not how you do business.

I got the story of poor Capital One suffering in these economic times had to raise rates, but it has nothing to do with my credit history, or payment on the account, and how sorry they would be to loose me.

What I want to know is when our Government, (Senators and Congressmen) are going to stop protecting these companies, especially those who got bailed out by our government, but are bilking the consumer as punishment. Unless you elect to raise every single card holders interest rate, then you are committing discrimination.

I asked how I was signed up for this without my authorization and they said Capital One customer service had me signed up, so I called them and end up speaking with a supervisor about closing my account. He pretended to completely take my side, acting like they did something illegal and stuff like that is why our country is in a mess, but there is nothing they can do. I'm not sure what I can do. I guess eat the $77 but it's the principle of the fact that gets to me. I was unknowingly signed up for a service that I never would have verbally agreed to, nor have I signed for. Then, when I tried to get it resolved, they still come out on top. I have my credit card on hold and am paying it off, then i'll be closing the account and going to Chase.

After the $50 refund and cancellation, which showed me they know they were in the wrong, they refused to refund the additional $77.08 that they got from me, and it really just pissed me off more than anything.

I was told I should have notified them earlier, that I didn't have a joint account. I said, "I'm sorry I don't understand why would you enroll me in a joint account, when the account is an individual". There was complete silence. I was being charged $0.99 for every hundred, since 2005, until 2010. I should have been charged $0.59 for every hundred for the individual plan.

I would not have even known I was being overcharged, until I tried to cancel my services. Someone enrolled me up for the joint account themselves. All information needed was made available over the phone, to enroll. Someone knew that this was an individual account, not joint. There is only one user for the account. I didn't fill out any paperwork, all information was given by phone to enroll

It then goes on to give the address which is on the complaint form that I am submitting. "The date of the transfer which was July 30, 2009. The instrument representing the indebtedness of your loan (promissory note) is not a recordable document, but the promissory note is in our possession. The security instrument (deed of trust) that secures the repayment of your promissory note is, however, recorded in the public land records in the applicable jurisdiction. If you have any questions about the notice or would like to contact someone authorized to take action on your loan, please call us."

So I contacted them about the loan, that it was paid off but I was curious as to the amount of the loan and as far as the pay off and they said that the payoff of the loan was $11,058. You see, when I paid off this loan, I argued back and forth with them about the payoff of this loan and maybe I made a stupid move because of trying to settle my mother's debts. I just thought the pay off was just too much. Now, they told me that nothing was ever paid on this bill but there were payments made up until the death of my mother in September of 2000, also after which was set up by her attorney Mark **. The pay off in the amount of 28,000 dollars was sent to them by Silk Abstract Company trust account.

When I confronted Chevy Chase or Capital One, they wanted to know why I waited so long and I explained the situation to them. Their response was and they were very nasty about it, what would I have them do. and I responded that I would like to have my money back. This, I was fighting for in the beginning. I had to re-finance my mother's house. That money should have been mine and not theirs. I am still paying on this loan. The only thing we got out of the refinance was $455.05. There were a lot of repairs needed to be done to the house. So I had to re-finance again just to pay AMC mortgage and now I am in debt to Ocwen. The money that Chevy Chase took from me would have been enough to make the major repairs. I just want my $16,942. Can you help me? Please!

Not more than an hour later, they called again. At this point, we spoke with a customer service agent who: 1) denied that he worked for Capital One, 2) could not explain why we were still getting calls from his phone number 3) laughed at us when we expressed our frustration with the situation. There was also a background noise of people laughing, cheering and having a good time, as if they were having a party in the call center. Very unprofessional. That agent ended up hanging up on us.

We called the 1-800# on the back of our card to cancel this account and went thru another run-around with that agent. They verified that the 1-800- number is in fact a Capital One phone number, but again, could not explain why they were continuing to call our number. As we tried to cancel the account, we were unable to verify the transaction with the agent. Thirty minutes later, we received another call. At no time was a supervisor or manager called in to assist us with our issues. Extremely bad customer service!

I explained all of this to Capital One and asked that they put me in a program where my monthly payment could be around $25.00 a month, fees would be frozen, interest rate lowered, all in an effort to pay the card off and close the same. They did put me on such a program, but unfortunately I have today found out that they continue to charge over the limit fees and "past due" fees on the account and that they actually only waived one of their fees at the time I was enrolled in the program. I was also told today that the $25.00 a month was not enough and had never been enough to keep my account out of bad standing with the credit bureaus, something I was never told.

I was also never advised to use my payment protection plan which I paid for each month and then found out today, when I asked about it, that they had cancelled it, without notice to me, because $25.00 a month was not enough for "them" to continue paying for the plan. Excuse me, but wasn't I the one paying for the plan, not Capital One?

Now they want me to start paying $42.00 a month beginning April 15, otherwise, they will charge off the account as a bad debt, which I do not want. I am afraid they have already damaged my credit. I only have two credit cards, which I do not use, the other being Chase. Chase is working with me on a liquidation program where the card has been closed and I pay $24.00 a month without any negative ratings being reported to the credit bureaus.

A jump from $25 to $42 may not sound like much, but it is still money that I need to live each month while trying to pay my regular bills and medical bills, and I feel like Capital One is fraudulently representing their hardship program and then continuing to charge over the limit and past due fees even though the card has not been used in years! I do have a full time job now, but the $28,000 a year pay cut really hurt, as you can imagine. This is very stressful in my present financial situation. My mother passed away unexpectedly in June of last year and losing my job the following month (July) and trying to pay everyone and keep everyone happy is just about to take a toll on me. Please help if you can. Thank you.

Once, we have went rounds with an affiliate, another one gets the information and begins harassing us all over again. I spoke to an actual Capital One person tonight, I think. They could be lying as well. His name was Keith. He told me that I had to write them a letter and mail it to Capital One Cease and Desist. My question to him was why do I need to do anything? This household is no way connected to Rebecca **, other than the fact that my father married her mother after we were both adults, and had moved out of their home. I have never lived with Rebecca in any state. Please, someone help me. I want to sue for harassment!

Each time I clicked on "recent transactions" for the Platinum card, it would show "no transactions". I did not pay attention until I happened to catch this: even though I was making payments on the Platinum card, when I clicked on "recent transactions", it would redirect over to the Gold card - the only way I discovered this was by noticing the last 4 digits of the account had changed in a very non-obvious manner (no change of screens, no flags, nothing). When I was able to maneuver back to the Platinum card, I discovered that for many months. C1 had been showing a $29 minimum payment due, but charging me $39 a month in over-limit fees!

I tried contacting them via email and was sent a generic message of "please call." I called, couldn't get through because I don't have the card number (cut them up months ago) and could not get through to a live person. Now the bill is $1400 and I am livid. They have just done the same thing to my husband. Minimum payment is $29, then charging $39 in over limit fees, with no recent transactions showing!

I am sick over this, literally. And angry. And I would love to find a lawyer who wants to make Capital One payback everything it's stolen (yes, stolen) to the point Capital One folds. I don't want to pay the rest of this card off. My credit is shot and this is such a back-handed practice. I cannot believe it's legal.

According to Capital One Recovery Section Manager (Ms. Laura, ID no. **), she admitted to the customer (Maceo) on March 18, 2010 approximately at 3:45 pm MST that the account was charged off in February 2005 (paid in full). Capital One’s deceptive, unfair and bad business practices continued for five years, charged the customer for late fees accumulating past due payments of $568.00, whose account was settled and closed in February 2005. These errors on the part of Capital One have caused a tremendous amount of emotional distress along with several notices of credit denial. My job search was impacted by the negative comments submitted by Capital One.

This is the only balance that impacted my credit report. In December 10, 2009, the customer was rejected by M&I Dealer Finance Bank. This was the same bank that finance customers $32,000 in June of 1999 for an automobile. On March 18, 2010, Chase Bank refuses to refinance customer home because of the derogatory credit ratings from Capital One. Thus, this long term past due balance from Capital One has resulted in approximately 44 point average drop in customer credit score, which translates not getting a 30-year fixed 5.00% mortgage rate versus customer current 6.20% mortgage rate. This mortgage rate denial by Chase Bank resulted in the customer losing tens of thousands of dollars because of the poor business practices and poor follow up by Capital One.

Conclusion: Restore customer credit rating to the 700 credit score level. Reimburse customer the difference in dollars between a 6.20% at $407,000 mortgage versus 5.00% at $407,000 mortgage because of the derogatory credit rating caused by Capital One. Customer is seeking compensation for mental depression from dealing with Capital One Management Team; Capital One should pay all attorney’s fees. This is an example how Capital One continues to take advantage of good customers who work very hard to pay their bills and they still get a raw deal and lose credit reputation. Yes, I would love to have an attorney to contact me about my complaint.

Now, you have charged me late fees, etc., bringing the balance that you placed me into collections for up to $792.22. My account was closed, and I was issued a new card. Then there were charges still placed on the card which were credited off (fraud charges). Here it is, almost 2 years later, you placed me into a collection agency. (We have been speaking with the hardship department who were going to call me back but never did.) We just got a call from the collection department and were advised that this is affecting our credit rating now.

Please contact me. I have in more detail whom I spoke with and when and numbers. I am going to contact the Attorney General's Office, Customer Assistance Group, and Commissioner of Financial Institutions State Corporation Comm of VA, and I will cc the letters to the CEO Richard Fairbank of Capital One.

I have cut all of my expenses drastically so I can make more than my minimum payments on all of my bills. Capital One has contacted me via telephone and letters saying that I am delinquent and if I didn't settle or make huge payments, they would take me to court. With a small salary, I can only pay what I can afford. Like the old saying goes, you can't squeeze blood from a turnip.

I work hard for my money and have made payments every month to pay of the remaining balances but with the enormous interest rates that they have added and penalties have not put any dent in the bill. Now, I am being sued by Capital One and every other day a process server is knocking on my door trying to serve me papers for a court appearance. I am afraid that if I answer the door to this process server that I will be forced to go to court and the courts will decide in favor of Capital One and I lose everything that I have worked so hard for. Most of what I have, I have bought at Thrift Stores and Salvation Army because I can't afford full retail prices. The majority of my clothes have come from the same stores. I am also afraid that if they continue they may show up at my place of work to serve me papers and that would totally embarrass me and could end up in me losing my job.

For some reason, Capital One has started phoning me at work, today, thrice and one phone call was the supervisor after I asked too many questions that weren't answered. I asked for their supervisor. We have never been called before. Not even last month when the payment fell on the same day because the pay periods were on the same days as last month. After speaking with the supervisor, I sent a fax to have them stop phoning my work and it was sent to the phone number the supervisor gave me.

After I sent this and had scheduled a payment for the 19th via my checking account with Capital One bank, I got another call from another twit. These people absolutely lie and continue to harass me when the payment is being made within my 10 days grace period. No late payment is even due. Can someone tell me how to take care of this problem with them? I’m short of just hanging up on them with each call. If I was late, it would be one thing, but I'm within my grace period per the contract with Capital One. I will lose my job if this harassment doesn't stop. The calls take me away from my job and my supervisors think because of the 3 calls today and 2 yesterday that I am not paying my bills.

Now they are calling me with the threat of a lawsuit. They will not or can not provide any documentation that I was on the account or how the account was set up, just that they want paid by me now. We have always kept our stuff individualized due to his business; he is not on mine and I'm not on his. Funny that they had no contact or complaint until I tried to get it off my credit report. It has ruined my credit report and could cost me my job.

They argued with me and said they would not remove all their fees. They took a $500.00 credit limit and turned it into $1,130.00. I asked them to stop their fees, and they refused. They have destroyed my credit. At one time, they agreed to take a $500.00 settlement, but I asked for it in writing, and they would not send a letter.

Now, they have sold it to someone from another company. And I am not getting anywhere with these people either. Can you help please? They have destroyed my credit over a stamp.

When I do get transferred the last time, it went to someone's voicemail, which I left a message and no one returned my call. My card has a $1000 limit and this person manage to over the limit by over another $1000. Explain how they let that happen. I reported this last June and til now the problem is not resolved. Now the bill is in collections. I will pay the debt that is mine no more than $800. The bill is now $2700. I cannot think to even afford to pay that as a single mother.

Nothing was legible in pointing out the outrageous change in interest rates from 7.35% to 17.9%. Capital One should have made this more obvious. I felt scammed and will cancel Capital One Card immediately. Please warn other consumers. I needed to re-arrange finances to avoid paying this loan shark interest rate and cut back on an already bare boned family budget. I will complain to the state.

My cash assistance ended in June 2009, so from July to November, I made my payments except for one month I missed, which after fees and protection plan fees, put me over my limit which in the end, I had to come up with almost $130.00 in order to go back under the over limit area. I had contacted Capital One during July until November two times through the email site, telling them I needed to make a claim against my protection plan and I needed the information on how to do this. All I got was an email back saying to contact customer service. When I did this, I got a customer service representative which I couldn't understand due to their accent.

So I asked her if she could send me the information I was requesting. She said she would but I never got anything. I eventually ended up writing a letter to Capital One only to get no reply. I tried to email again only to get to call their customer service. I told them per my letter, since their representatives have such an strong accent, I have too much trouble understanding what they are saying, so I wished all contact and information to me sent to me via snail mail. No response. Finally, I made a final payment in November 2009. Sent another letter, telling them I was busted. I could no longer make a payment and needed to make claim towards my protection plan. This was the beginning of December 2009. No reply.

Since then, I have not paid them anything and now, I get phone calls up to 4 times daily from them. I told them on the phone many times that I couldn't understand what they were saying and I told them what I needed. They tell me that they go through a different company for that and they don't have that information to give me. I asked what was I to do without knowing who or the number I was suppose to call and they told me thank you for calling Capital One and hung up. Now, since about February 20th 2009, Capital One called up my cell company Verizon, who gave them all cell numbers that are under my cell account. The second number on my account is not mine and above all the person it does belong to is under contract with my cell company. But since he started out under mine, they gave Capital One that number.

When they contacted my friend, he told them that this cell number wasn't mine and did not belong to me and to take his number off their list of phone numbers to call. After one week, they called again 3 more times to his cell. Eventually in March I, called them told them that the number they were calling wasn't mine and that it was to be removed. (this was the second request for removal). She asked me what the number was and said it would take up to three days but it would be removed.

Then she asked me if I was able to pay my over limit charges, when I told her no and that I have been trying to get the information to make claim to my protection plan, she told me that I need to call another company and the information was on my statement. What? I said no one told me this and I did look thru my statements before, I did not see anything about calling this number. If you need information or make a claim from your protection plan. Anyway, I looked and saw no such information.

Then she said that the number would be removed but it would take three days. Four days later, on March 14, 2010 (today), he got calls from Capital One yet again. He called them back, told them this was it. He had enough and that he requested his number be removed and this would be the 4th time in 4 weeks he has asked and that this time he was going to turn this over to an attorney for harassment. The women on the phone said to give her the number and that she would process for it to be removed. He said no, I am sick of this. You guys told me this three times before in 4 weeks. Enough is enough. He asked her for her name, she refused to give it. She said her name had nothing to do with this and she told him thank you for calling Capital One and hung up.

I don't get why they couldn't give me what I asked for from the very beginning. I don't know why they don't have customer reps who speak English without an Indian accent, so strong you can't understand them. I don't understand why after I told them repeatedly that until they gave me what I asked for that I was no longer going to deal with them, yet they continued to call me 3 for 4 times daily since December 2009. Right now, I am almost $300.00 over my limit with over charge fees, protection plan fees etc. I can't pay it. I never was employed.

When I signed up for the protection plan, I was never told I was not going to get it if I wasn't employed. I was never told that the protection plan won't cover if I was sick prior. In fact, I never got any information about the protection plan at all after I accepted it when I activated my card. Now, they still won't give me the information and as I see from your site, it would do me no good. So I have been paying for something from the very beginning I didn't qualify for since about 2006.

My fiance' keeps getting repeated calls on his cell, which is his is his work phone, where he gets his business calls. They harass him almost daily even though we told them that the number wasn't mine. We have requested the cell number be removed from the account 3 times and he is getting so upset by it that now he lets all his cell calls go right to voice mail. From this, he has missed out on a few jobs. As for my backlash, numerous voice mails daily, was sold something which I find out now, I can't use. Not being informed now puts my credit rating in the gutter big time.

And now, I have a forever racking up credit card bill with Capital One on late fees. Not telling me this from the beginning really puts a hurt on my situation now because I have no means to pay them. I wasn't in such a stressed state, until I find this out. What in god's name am i to do now? They are making my life a living hell just by the phone calls, knowing fully well I told them I couldn't pay them and that I needed to make a claim to a plan that now, I cant use anyway because they would tell me I don't qualify because I wasn't employed.

She contacted them on several occasions to resolve the problems. After receiving no help, she stopped making payments. Soon after they contacted me and initially, I thought that it was some type of scam, as they we nasty and wouldn’t provide information to verify who they were or verify that my wife owed them money. They simply wanted me to give them the full amount of the dept by electronic transaction. The initial $500 dept is now up to almost $2,000 for each card. That is what I call predatory lending!

After I confronted my wife and found out that she did owe money on two Capital One credit cards, I contacted them and found they again wanted the full amount of the debt and had no interest in setting up any payment plan or working with me in any way. They have now filed to garnish my paycheck even though I had nothing to do with the two credit cards that they issued to my wife without my knowledge.

On Dec 20, they proceeded to charge our credit card an additional $9,000.00 without our authorization. They didn't even give us a chance to send them a check, which we were getting ready to write that week, but didn't because we noticed the charge on our Credit Card. I contacted Capital One immediately with all our documentation that we should have only been charged a total of $9K and not a total of $12K. Capital One took the side of the Merchant. Capital One said we could have modified our Purchase Order.

That is not the case. The Merchant has our original purchase order and it states $9K with a $3K deposit on our credit card. I've tried to fight this with Capital One in every aspect I could and they said we have no proof that they didn't quote us $12K. They have no proof that we gave them credit card authorization, the merchant has proof that we authorized a total of $9K to be invoiced, not $12K with only $3k being charged to our credit card.

Capital is fraudulent and I've cancelled all my cards with them and will never go back them. They flat out told me that if I gave someone a verbal price of ex: $500.00 and decided after the fact I wanted to charge $5,000.00, I could because the customer would have no written proof that I didn't quote that. So, I am warning everyone that reads this complaint. Cover yourself and make sure anything you order over the phone or credit card, get it in writing with a valid signature. There is so much credit card fraud out there. I have all the proof including 3 customer services representative that can vouch for the conversation. Nothing counts.

Then 2010 arrived! I receive notice from two different collection agencies showing two different amounts owed to Capital One. Both of which have interest for the last three years. I contacted Capital One and asked them if this account was not settled, why did they never contact me for payment for three years? Also, I asked about the 2 different amounts from 2 different collection agencies. No comment was what I got. I explained to them I would have paid it off three years ago when I took care of the other debt (over 30k) $1,800 turned into over 4k with no effort on their part to contact me. I have recently received a summons for judgment on the higher amount (naturally). They are ignoring the lesser amount from the other agency.

In August 2009, I called again, told them the same thing I told them in June 2009 and received the same response. I was also told that my interest rate could not be lowered at all and the previous agent misspoke. In November 2009 (my birthday of all days), I tried yet again to have things fixed but they would have nothing of it. They reiterated what I had already been told, and their attitude was that more or less, I was [out of luck].

So in January 2009, after I had already cut up the card and moved any exiting auto-charges to other accounts, I drafted a letter to the CEO, in McLean VA detailing my problems. Being nice and courteous about what I have encountered and explaining that I never knew my rate was going to be increased until I saw my bill in June 09 suddenly spike. I received a response a week later not from the CEO but from someone named Kathy A., who is a part of the Executive Action Committee.

They replied with what amounted to being a form letter, about how it is more risky to loan money these days and that even model that rates had to be increased even for accounts in good standing. Telling me that I was sent a notice in Feb 2009 to the address on file, that they show no record of it being returned to them as undeliverable and because I did not contact their automated system by April 17th at 8pm EST, I was basically out of luck.

I replied back to them, this time, sending a copy to the BBB as well. I was thinking that the BBB would have some weight behind them, but I was wrong. I told Capital One that they cannot simply say that because they did not get the letter back, that I got it and I am at fault. They fail to accept that mail does get lost when sent first class mail (if you want someone to get it and be able to confirm it later, send it certified or via FedEx – at least then you have signature proof). Their reply is that they are not changing their position. I rejected that response from the BBB, and the BBB turned around and considers the problem closed and resolved and if I want to pursue further, I should consider legal action.

I will be doing all I can to tell people to leave Capital One and not do any type of business with them. They are nothing but legal thieves. They received bail out money and bought a bank with that money, even though now they claim they have paid the money back. They still used it to buy something they didn't need.

Their Executive Response person, whom I was told to get in touch with within 7 days, continues to be unresponsive as well. It is almost as if they are forcing people into default or even worse, bankruptcy. Due to the increase, last month’s payment did nothing but pay interest. My balance unchanged as a result, free money for them. The rate hike also raises my minimum payment well over what I can afford.

I never received anything with such a statement! They acted as if they could care less! My credit is excellent and I always pay more than the minimum.

My payment also went up! I live on SS and a pension. I can't afford this type of treatment!

So last year, I took them to court again. They got a new attorney group. They wanted proof again that these charges in Russia and Minnesota were not mine and many others. We proved it to them again and they agreed that these charges were not mine. They did not want to go to court, they made a document with my attorney stating they would remove all negative information from my credit report, they even signed this document and even Capital executive officer Jonathan C signed it. And my attorney told the court we want this to be monitored by the court until it is removed. At this time, they still won’t take it off my credit report. In fact, they still have their collecting group call me once a week looking for money still.

I called Capital One. They did not have in their records any kind of lawsuit from me and they had no record of any kind of paper work I have with their signatures. I even faxed them a copy, when I called them and tell them that they are making my life impossible to even get a loan. Their attitude to me is very condescending.

They only want to get me off the phone. I never in my life, and I am 52 years old now, came across a bigger group of thieves like Capital One. My next step in about 60 days is to go in front of the judge again, but this time no deals with Capital One. I want money from them. They have cost me now close to $500,000 in attorney fees and extra interest I paid on home loans, car loans, credit cards, etc. that I should not be paying if I had them off my credit report.

They have cost me in excess of $500,000 in extra interest I pay on home loans and in fact I am loosing 3 homes now because I cannot remortgage them because of my bad credit. By the end of this month, Capital One will cost me in excess of $3,000,000 in lost properties because I don’t have the credit to re-mortgage them.

From this January onward, the company considers the payments I make as a loan. When I asked why they charge me for the privilege of using my credit card in the way it is intended, the answer was, "We consider it no longer a privilege but a loan." Well, the best Capital One customers can do in such a case is to vote with their feet. I will close the account. There are other providers out there who keep their word when they extend a credit card.

The rep also claimed I received a mysterious letter a year ago, explaining what they were going to do! I remember no such letter, and if I did read such a letter, of course, I wouldn't still be a customer anyway! It is a comfort to read from fellow victims. I thought I was losing my mind. What a nightmare! I don't know what to do. They did offer to revert to my old interest rate, but I have to close my account! Why would they give up a valuable customer like me?

I was told that it had nothing to do with my payment history and that I was a good customer. They said I was sent a letter to opt out over one year ago in Feb, 2009. Who remembers that or even if I really got such a letter 1 year ago? This is their legal loop to get away with such ** I hope NO ONE does business with Capital One - I will not charge $1.00 with them again!

My account is closed but it seems as if they are still adding on interest charges. Do I have a case against them? They have filed a judgement against me for $1,751.17 and my credit limit was $500. I tried to protect myself in case of unemployment, but they obviously deceived me. My credit is damaged because of this and it could have been prevented if they honored the terms of their payment protection plan. I also owe them over twice as much as my credit limit.

So on 3/3/10, I called and requested for a manager and spoke to Aaron. He stated that he would give me the opt out option even though the deadline has passed. I agreed to do this because they would, in no way reduce my rate otherwise. So on 3/3/10, I closed this card and agreed to pay the balance at the 14.4% interest rate. I want to post this so that if a month or more down the road, they try to change their story because I was given so many different ones while talking with them.

Interestingly, if you call you receive a recording about your interest rate unless you use the menu for a live person, who has been scripted to tell you there is nothing they can do nothing, even at the supervisor level. Also, on their website, they are not taking emails concerning interest rates. Hmmmm, I wonder why? Since I am currently in the middle of graduate school I cannot pay off the balance. That is why I was using revolving credit until graduation to begin with!

Should I continue my now almost double payment and unmanageable interest in the hope of not destroying my credit history or tell them where they can go and good luck collecting the money? I additionally am now receiving at least one scam call per week asking me if I want to lower my interest rate. When you ask what company they are with, they hang up. Thanks to Capital One's irresponsible actions, these scam artists are probably making money like never before.

Interestingly, if you call you receive a recording about your interest rate unless you use the menu for a live person, who has been scripted to tell you there is nothing they can do nothing, even at the supervisor level. Also, on their website, they are not taking emails concerning interest rates. Hmmmm, I wonder why? Should I continue my now almost double payment and unmanageable interest in the hope of not destroying my credit history or tell them where they can go and good luck collecting the money?

I was finally transferred to someone whom I could understand (Christy) and she told me that I had called earlier today and requested to "opt out". I have not spoken to anyone at Capital One since 2/22/10. According to her, I filled out a bunch of paperwork and requested that my account be cancelled, so the account is now restricted and the previous interest rate has been reinstated. I did not call them earlier today, and I did not "opt out". In fact, I had called last year to ask why I never received an opt out offer. They said they sent it and it must have been lost in the mail. At that time, they refused to let me opt out because the deadline had passed.

I believe that Capital One is now doing this because they do not want (or maybe do not know how) to list "forever" as the payoff time for the minimum payment. It appears that Capital One is getting more and more crooked as the days pass by. I thought that the credit card act was supposed to help people. So far, all it has done is hurt me. I am waiting to hear from Capital One's account manager who is supposedly going to call me back in 1-2 business days. I have a strong suspicion that I will be canceling both of my Capital One cards in the near future.

Unfortunately, the card came with an absurdly low $500 limit. My credit is absolutely pristine, and my income is good, so that didn't make any sense to me. I called and the representative told me that they would promptly review the account for a credit line increase. I put $500 on the card and immediately paid it off via EFT from my checking account. By immediately, I mean I did it within 24 hours. I waited a full week for Capital One to post the payment and release me to again use the card.

After a week, I called again and the representative contradicted what the earlier rep had said and told me that Capital One won't consider credit line increases for any account less than 12 months old. When I asked her why my account still showed zero available credit a week after the payment was posted, she told me that my account was "on-hold" because I had actually paid my bill so fast! I told her that I intended to use the card and pay it off over and over again every two or three days, because the limit was absurdly low. She snappily told me that my payments would be held for at least a week each time! I told her that made the card essentially useless to me and closed the account immediately.

I don't expect special treatment because of my job or my income but every consumer is entitled to quality service, not snotty representatives who lie. We're all entitled to prompt application of our payments. Stupid, stupid decision Capital One. I'll take my sterling credit rating and purchasing power to a company that treats me the way I treat my customers, with respect.

When I called to ask them to honor the rates that they are offering new customers (11.9% variable, which is still high), I was told that they are unable to lower the rates at this time. I then asked if my account could be transferred over to become a 'new account' to take advantage of the 'better' rates. I was again told that they would be unable to do this. The only option I was told was to close the account and apply for a new card.

Let's analyze this for a moment. Here you have someone who is credit worthy, a good customer, etc., and they are turned away for reasons that have nothing to do with them. I understand that there is a high default rate these days, and credit card companies need to protect themselves, but this is not the way to go about it. I understand that hindsight is 20/20, but if you wanted to protect yourself, you shouldn't have extended credit to people who were clearly unable to pay it back.

You make money when people pay back with interest (principal and a reasonable 7-10% interest), not when you charge 17-25% interest and have default rates of 10.4% that keep rising and you get calls from credit consolidation and default agencies that give you $.30-$.50 cents on the dollar. Please don't make me pay for your stupidity.

Another caveat: if I close my account, it can affect my credit score because it will reduce my outstanding credit available, as well as my number of years with that line of credit open. Maybe that's what the banks want--people who are creditworthy to have lower credit scores so that they can charge them higher interest rates when they apply for new cards.

Over a week later, the check came but the account remained open. Now as I look tonight, I have a new balance due of over $10 and after speaking with Megan another manager) she said, they may have lied in the last but she was for surely not lying that she would remove the the fee but it would take a month for it to clear before the account could be closed. I want out of this bank that has no regard for its customers. I have done my part several times over and I am tired of charges that should not be made after the account should be closed.

This is an abuse of power on their part. With balances on my account, they cannot close my account. I am finished with company. I also feel that they are using me. I have been a loyal card holder for years and deserve to be treated as such. I know they are losing people due to knew credit card rules and this is the last way to try and keep them. Please help me. I have no other excuse besides a lawsuit for harassment, and unnecessary stress and harassment. Stephanie also seems unwilling to address any concerns as to how my account has been hijacked by Capitol One to do whatever they feel they can to collect more money from the struggling consumer.

Pay by check, cash, or don't buy. Capital One hurt themselves, not me. Fortunately I am in a position where I don't need Capital One credit cards. They need people like me, whom they will be losing in droves. The only accounts Capital One will be left with are credit card customers that become charge-off accounts. No one with good credit and the ability to pay in full each month is going to put up with this greed.

Washington has not gone far enough to regulate these greed, and I suggest that everyone write their State Senator to complain that more regulations are needed with the banks and credit card companies. I will never do business with Capital One again, and will post on as many sites as possible, and let others know of the usurious and greedy practices of Capital One. Avoid Capital One like the plague.

When I spoke with Capital One they told me that I was sent a letter a year ago explaining that my "promotional rate" will be ending in February 2010. I never received any letter informing me about this change, and was never on a promotional rate (4% was my rate for almost 3 years). In my opinion, if such a letter was ever sent, it should have been sent registered mail, to ensure customers genuinely received it. If any such letter was sent, I suspect it looked like an advertisement rather than an extremely important letter.

Furthermore, I was under the impression that these whimsical rate hikes were illegal following the new legislation. When I spoke with Capital One they explained to me that the decision had nothing to do with my payment history (which was on time) but that it was a business decision because in the current climate it is risky to lend money. I was not a risk to them before they hiked up my rate. Now I am, because I cannot afford to make the new minimum payments.

I have since learned that Capital One received over 3 billion dollars in bail out money from the federal government. This rate hike is unjust, immoral and a gross abuse of power. I have also learned that the new laws go into effect in June 2010. It's legislation like this that allows these companies to stick it to people while they can. The bottom line is that they increased the rates now because they know that once the new law goes into effect they can't change the rates.

I was never notified that my rate would increase from 4.78% APR to this rate. After speaking to Capital One representative and then to her manager, Shelly, I was informed that a letter had been mailed stated the rate was going up. I am sixty-two-years-old and have always taken care of my debits. No letter was received stating that my interest rate would increase to 15.9%. Shelly, the manager, would not even talk to me relative to closing my account and keeping the old interest rate of 4.78%. They will say it is a "promotional rate". Believe me, if I knew that rate was going up, I would immediately close the account. The highest rate of interest that I have paid within the last twelve months (12) was the 5.9% which was for February through May 21, 2009.

Now, I will be accumulating late fees each month which will affect my credit score. I was told that after a few months, arrangements can be made; and I was given a 3rd-party debt agency phone number. But by that time, the fees will have added up and I will be in over my head. It is easy to say you can opt out, but if we could have paid the account in full, "opted out" of course we all would have and there would be no need for credit cards. Thanks for letting me vent.

Credit card hell is aptly named. I wonder if the top execs will be receiving a mega bonus again. Since I am continuing to pay the $200 a month (over the monthly minimum), monthly the late fees will add up and my credit score will be affected. Also, my peace of mind will be gone watching the process spiral out of control.

I already figured that was true, but I was shocked that they would actually admit it. She transferred me to Marie to see if she could tell me why this information wasn't on the statement. Marie wasn't sure either, but she said that their records showed that it would take "forever" to pay off the card if I only make the minimum payment each month.

Eventually, I spoke to Teresa who told me that it wasn't on my statement this month because the statement was issued about week before the credit card act took effect. Several times during the three conversations, I asked why they didn't just raise my minimum payment so that I would eventually get it paid off. I got several lame excuses, but I guess we all know why they don't do that. I guess I should have been mad about the whole thing, but it was rather amusing. I'm paying huge chunks off of all my cards this year until they are all paid in full. I'll keep my credit union card, but the rest are going to be cancelled. I think we should all get out while we still can.

I stated that it would be better to move my low amount owed to another card with lower interest and she stated she thought that was exactly what I should do, because Capital One not able to negotiate the rate, been with Capital One for years, over 15. I asked to speak to her supervisor and she reluctantly gave me to someone else, and he stated I received something over a year ago, that stated I was to call a toll free number and could have opted out of this rate, but my card would have been closed.

So basically I asked him, Capital One wants you to either close your account or pay much much higher interest, he stated there was nothing Capital One could do. January a year ago, Chase tried this and got sued, I hope someone takes on Capital One. I will be paying off my account as they wish to not have customers that use their service and pay on time and more than the minimum. Thanks a lot Capital One. Interest Rate raised 11% that states a lot, when I am a public servant and work for the State, we don't exactly make that much money. I have been there for 20 years and have 2 kids in college, that I pay for. That 11% may just keep my kid from college.

These high interest rates are paying bonus to their employees. I am currently unemployed and have been making it a priority to keep my credit in good standing. I have been a loyal customer with Capital One for over 15 years, paying on time, more than the minimum due, and although the interest rate has gradually increased over the years, this one really angers me because it has doubled. I was told that it had nothing to do with my payment history and that I was a good customer. They did nothing for me however, and said I was sent a letter to opt out over one year ago in February 2009.

If I was a day late on the card, they would be calling me on the phone and charging a late fee. This major change deserved a phone call. Who remembers a bunch of junk mail with small print, with a bunch of legal jargon over a year ago?! This is deceptive practice and Capital One should be held to account. This is really taking advantage of consumers that are already struggling. I have elderly parents that I bet missed this transition too and they are on fixed income. Something has to be done to stop these unfair practices. What I had budgeted to pay off the end of the year is now going to take much longer. This is ridiculous!

My credit history today is in the high 700's. This episode today is going to change my future credit rating and my health. I told them it is impossible for me to pay them, that I would continue at the past rate. As of today, I told Stevey that I will not make any payments, that a collection agency will be in touch with me in the future, and I will negotiate with the agency that I will pay the balance of November 2009, that I will pay back at 6%. Is there anyone else that feels I am wrong beside Stevey of Capital One?

I called Capital One to find out 1) when this margin was disclosed to me and 2) what the "margin" amount was. I was told over and over that a letter had been sent to me in February 2009 stating this margin. However, none of the representatives I spoke with was able to tell me what this margin was, despite their insistence that I had been notified. I said that I was able to access, online, every single statement from February 2009 until the present, and also that there's a "Messages and Alerts" section online, which contained no notifications whatsoever. I asked why it was that I was supposedly mailed a notice in February 2009 for a rate increase 12 months in advance, but nothing was made part of my online record.

I repeatedly asked what proof they could offer that I was actually sent such a letter, and robotic-like, was repeatedly told that there was a "note in my file". Nor was there an explanation of why a letter was sent but no online record in my account, while there are online records of all statements. She was clearly reading from some kind of script, and when I asked how to contact their legal department, was told, "We don't have one." I repeated, incredulously, "Did you just say that Capital One has no Legal Department?

Well, I'm quite sure she's incorrect on that count, I requested a copy of this alleged notification, and after being put on hold for a long time, was told that the letter had been requested and should be received in 14-21 business days. I have the representative's name and ID number (I had been escalated twice, so hopefully she was somewhat senior), and asked if my call had been recorded and was told it had been.

At that point, I repeated every point I'd gone over in all my conversations with various representatives, and asked her to verify her and Capital One's position on the issues I'd discussed. I also asked her to verify that there was a record of our conversation both on voice record and an online record in their system, so that it can be referenced at a later date. I'm sure they'll be able to come up with a letter stating I was notified of a rate increase, but I question if it wasn't in the guise of yet another offer of a balance transfer or otherwise deceptive notification from Capital One. In any case, a notification one year from the date is certainly deceptive if not downright illegal. I see there are numerous similar complaints on this site, so it appears that Capital One attempted to get a jump on legislation with their best customers. Go figure.

I've been a customer for over a decade, with no late payments ever. Of course there have been many times over the years when I've carried no balance, and with no annual fee, not provided Capital One with any appreciable revenue. I've been deluged with additional offers from Capital One the entire time I've been a customer - it was in fact one of these offers of "checks" that I used for a legal retainer for representation in a wrongful termination suit for my husband (litigation is ongoing). At this point, I'm looking at nearly triple the APR, with my only transgression being a good, on-time paying customer. At this point in time, I'm not in a position to pay off the balance, but hopefully may be able to do so shortly as our litigation proceeds to a settlement, so that I can permanently cease to do business with Capital One.

Fax: 888-259-3021

I suggest everyone write their complaints, maybe a message will be sent. In the meantime, I'm planning on paying my credit card off and closing it ASAP.

I asked how would I know that when my statement indicates no payment due until 3/14/10. Rep just keeps repeating this is their policy. I called back twice thinking the previous reps must be wrong. But each time I called, I was given the same story. Under the Federal Reserve new Credit Card Rules, this practice is illegal. I had an agreement that I had zero percent until 3/1/10. The new rules indicate "No increase in interest rates for one year." My one year was not up until 3/1/10. I intend to dispute any attempt to collect interest charges and I will report this practice to the Federal Reserve, but I want as many people as possible to be aware of Capital One's misleading offers.

I asked for her supervisor. She said she was a supervisor. I again asked for her supervisor, at which point she transferred us to (ready?) some off-site transportation company where someone named Ian answered the phone and said he has nothing to do with credit cards. That was how this "supervisor" handled our request, by blowing us off and transferring us along to some outside phone line that had nothing to do with Capital One. At that point, we were on the phone for 23 minutes in total. I just gave up. I feel so frustrated right now I could scream. How dare them.

When I called them tonight, they said they notified me in February 2009 that my rate would be going up this month. Correct me if I'm wrong, but Congress didn't pass the new consumer CC protection bill until May 2009. How did Capital One have it timed out to jack everyone's rate up three days before the new law went into effect? Did anyone receive this mysterious letter that Capital One claims they sent out in February 2009? I have no idea what to do next. I do know that I will pay off and drop Capital One.

Well, we went back and forth because I didn't understand how I could pay a balance off completely only to be told that I have interest on a zero balance. David then began to talk louder and slower like I was mentally challenged and began to be sarcastic. Getting nowhere, I put my husband on the phone and David proceeded to get even more belligerent and rude. After several minutes of this, my husband asked to speak to his superior and was informed that he had none. Needless to say, we asked for his employee number which he gave us the call number stating it was his employee number. We informed him we would be contacting corporate. Once my account is closed, I refuse to have any more contact with this company. I think they seriously need to retrain their customer service departments. They are completely unprofessional!

I wanted to keep my Capital One cards and maybe close other because we travel every year to Cebu, Philippines and they have no foreign exchange fees but their credit limit is too low to bother keeping. Can they please up them to $4,000? I was flat out told no twice! To make matters worse I had to call twice to close both cards but they only can do one at a time! They lost my business. I’m a 3-year card holder with great standing and six-figure income. Go figure!

I don't see how capital one can raise my rate in Jan of 2010 when the new rules were in effect. They state that all retroactive rates are banned with few exceptions. They do not affect my situation. Had they said they were going to raise my rates after the bill was signed into law then I could of understood what my rights were and would of opted out. I thought the new law on credit cards was going to stop me from getting my credit card rate increased. I called Capital One and asked to opt out now and they said I could but it would be at the higher rate of 17.9%.

I refused to opt out and have contacted my senator and the department of federal government that oversees capital one on gov rules and regulation. I hope that capital one gets what they deserve. A lot of people are fed up with getting bullied around. If they can raise my rate during a time when they should be lowering it because of the economy and they ignore the government and the bill signed into place then they have a lot more power than they should. I am trying to get my 8.4% interest rate back. Oh yeah, they changed my purchase rate to a "promotional rate", there must of been something behind that because they did it before they raised my rate. If they really were concerned about the economy they would lower all card rates.

According to the customer service person I talked to today, she plans to tell every single person there is nothing she can do. They got their letter, and now it's too late, and that people are lying when they say they didn't get it. What an interesting way of doing business, forcing people to not do business with you. Are they vetting out people whole carry balances, using that to get as much money as possible from them? Why should I pay for their business issues especially with a credit score in the high 700's, whatever that means anymore. My credit score was threatened. I will need to leave this credit card company as soon as possible, to not cause going in the red. They've backed me into a corner. I will need to cancel, because now, I do believe the stories, that if you don't, they will keep trying to steal from you.

I called them and the customer service people were like robots. They insisted I had received a notice from them 10 months ago and that I had until July of 2009 to respond to prevent an interest increase. I save all my correspondence from credit card companies I deal with because of situations such as this. There was never any such correspondence. I talked to two different people, both of whom said that since I didn't call by July 2009, the interest increase that just showed up on my credit card could not be reversed.

This company is engaging in what I believe to be illegal practices, certainly immoral ones. I would like to see them investigated. I would be happy to provide any information to an attorney investigating this. I encourage all consumers who have accounts with this bank to close them, and all consumers receiving solicitations from Capital One to discard them without responding.

When I fell into hardship and became unemployed, Capital One did not honor their end of the deal. They kept sending me all sorts of paperwork to fill out and requests for different items like letters from employers, etc. They promised that once I had the papers in tact, the account would be retro-actively credited back to the very first day that I went unemployed. (I also made various payments in that time frame even though I could not afford it to try to stop the charges they kept adding on to my bill. They pushed me over the limit with their charges and started adding both a $29 over the limit fee AND a $29 late charge). All the while I had called them constantly trying to rectify the situation. I filled out that paperwork three times because they kept pretending they did not have it.

I was unemployed and they promised me protection; protection that never came. So they stole my $1800.00 of security funds money to use however they saw fit, and completely ruined my credit. No one had a suit going back then and I was so upset and frustrated that I gave up. Things went downhill. Periodically I tried again to come to an agreement with them but to no avail. Now, they just started garnishing my wages sometime in late fall 2009. Can anyone help me? This is wrong and they shouldn't get away with their criminal acts and violations. I can't get a car loan or another credit card or anything.

My credit got destroyed, my wages are being garnished (probably illegally). I have endured years of stress and upsetment over this. It has impacted my ability to move forward with a new credit card, to purchase a decent car, and so on. I did everything they asked me to. I paid and paid and "jumped though hoops" filling out their papers and trying to get them to fulfill their end of the arrangement but they reneged. Their complete and total failure to be an honorable reputable company has resulted in me not even being able to have a checking or savings account without them trying to freeze it and steal more of my money the they already stole. I noticed when I searched this year that there are several class action suits going on involving thousands of people who experienced a similar or exact interaction with these thieves. I need to have this repaired. Any help would be so apreciated. Thank you for your time.

They said they sent a letter in the mail about in February 2009, and I had been living in this place for over 2 years and never received such a letter. I called customer service and waited about 45 minutes, and this supposed manager was really rude and did not care about anything. There is not any proof of the letter they sent.

These people want to make money no matter what! This is an abuse. Capital One is doing fraud. I just had a baby girl who was born a couple of weeks ago. With this increase, we are going to suffer, since I've made a monthly budget. I cannot afford the payments for this card with this new interest rate.

They negligently changed my address and phone number contact info. Also, they let the charges continue on an account that had been closed for 5 years without ever verifying the changes. I did get copies of all activity and checks written on this account, and the signature on the checks is not my wife's.I sent them a certified letter stating this is fraudulent but have yet to get any response from them.Their customer service reps have been rude and nasty with me and told me that I am basically a liar. All they want is for me to pay for charges that were fraudulently made. They do not care about their customers; all they want is money.

And that I had had until April 2009 to opt out of changes that were to take effect February 2010! I never ever received this alleged mailing and told him so. He did not care, just said it was too late to opt out. This is absolutely ridiculous and I doubt it's even legal! Are we really to believe that a credit card company will send out a change in terms one year in advance? My rate was not a promotional rate. It was tied to Libor and was 9.9 for a long time before going down to 4.99. I cannot understand how this can be allowed. Does anyone know the regulations regarding these changes? Or who to complain to about what I believe is a gross violation of my rights? thanks

On February 9, 2010, I received my January statement. The interest was 22.9%. Checking back through my statements, I found that in September 2009, I was charged $59.00 for a membership fee, which I did not authorize. I called the number on the statement to get the problem straightened out. Each time I called (3 in all), I was connect to someone I could not understand. It was as if I was talking to a double talking Hindu lawyer. As near as I can tell, they told me my account was on suspension to close and was subject to rate increase and I could use my card anytime I wanted to. This was not what was in the pamphlet they sent me and what I agreed to. What can be done to get this matter straightened out?

I, as millions of Americans, have lost faith in the American banking system as it has proven over and over again to be taking advantage of the American people. They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh, by the way, I have not defaulted on the forbearance plan.

They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh by the way, I have not defaulted on the forbearance plan.

This doesn't seem fair. It wasn't like I am waiting and let this go months with out calling. I called the day I saw it on my account online. I didn't even receive my paper statement yet. Just because of the economic environment, they have the right to raise rates for no reason? Especially on good customers, see as I stated above they gave me year with my old rate. I tried to continue to talk up the chain, but I finally was told if I needed to escalate my complaint any further, I needed to send a letter, and if I wanted proof if it was received, I should send it certified mail.

I think that the credit cards should have to show proof of delivery in notifications like this or give the customer one month to call in to opt-out. For the entire year not other letter, follow-up or warning was mailed or even stated on my statement. This whole thing seems deceitful. Luckily, unlike some of the other posts, every person I spoke to was pleasant; unfortunately they just couldn't do anything. Can we file a class action lawsuit? We have to be able to do something.

Last year, finances were bad and I had many advances. I am now barred and wish not to apply for more advances. I explained this to Noah and he rudely said it was he who went out of his way to make the arrangements. I explained that Capital One would only have to wait 7 days for payment but he refused to listen. I calmly explained that I want to pay this balance in full, I want to bring my account in good standing and I want to make payment arrangements but he ignored my plea and repeated "Get a payday advance or borrow funds".

I repeated that it was impossible for me. I asked him to work with me. He rudely refused. He transferred me to his supervisor who stated she had been listening to our conversation and that I had not made a good enough effort. She was extremely negative and abusive in her tone with me. I did not appreciate her attitude. I repeated to her that I wanted to pay the full amount but had to make payment arrangements. She refused to listen. "Get an advance and if you're rejected, fax me a letter". I stated that I could not get an advance. She not only interrupted me when I spoke but talked over me.

It is saddening and disheartening that the representatives have such a bad attitude. I really thought I would keep this account open after bringing it up to date (unlike my other Capital One account which I closed). I have now changed my mind and I will close this asap. Funds will not be available and will set me back with charges but the representatives do not care about that. They don't care about the impression they give clients of the company. I am very disappointed. Capital One did not bother to respond with an actual answer.

They sent me a generic mailing along with a collections warning. "Thanks for contacting us about your Capital One account. Due to the status of your account, we are unable to fulfill your request. Please give us a call at 1-800- so that we can help you with your request. Our Customer Service Representatives are available from 8 am to 11 pm Eastern Time, Monday through Friday, and from 8 am to 8 pm Eastern Time on Saturday and Sunday. Sincerely, Capital One Services, LLC Notice: Please read the following for improtant information. This communication is from a debt collector. "

When I call, I am told that they cannot do it. Three weeks ago, I was told that if I paid my monthly payment plus an additional $200 then give it 3-5 days to post and then call back, then they would decrease the rate. Today, I called and spoke with someone named Kelly who told me that there was absolutely nothing she could do because I closed my account. That it was frozen until September 9th of 2010 and then my interest rate will drop.

This is absolutely ridiculous. What kind of business is this? I see the "What's in your wallet?" commercial and want to scream that it is not their card! I will be finding a different card to transfer the balance to and never in a million years will I ever recommend this company to anyone I know, nor will I keep my mouth shut about their business dealings. They are thieves and scams. Note to anyone reading this, do not ever subject yourself to this company!

I called Capital One and gave my wife permission to discuss this letter since she pays the bills and was told by the girl who answered that our account had been closed and we wrote a bad check. After explaining things and what our bank had said, she insisted we had wrote a check on an account closed. My wife then asked for a supervisor Val (sounded like last name **). He transferred me from one department to another and kept going over the routing numbers several times; we gave our branch number of First Bank and had the manager Mila get on a three-way call and confirm that our account was never closed and she had no idea what they were talking about.

Finally after all of this and a couple hours of wasted time, Val finally said okay I have located your check on my screen and see that you wrote it on 1-13-10 in the amount of $15 and it shows that your account was closed. My wife then asked for a copy of the front and back of the check and asked it to be faxed to us. It came over the fax with Attn: Dawn ** Copy of check to Capital One returned - closed account - Capital One (FAST) all written by hand. No phone number or fax to call back on the cover sheet.

We took it over to the bank and showed it to them and it was meaningless; it only showed the date it was deposited ,1-14-10. Capital One acct#0514XXXXX. In the meantime, our bank sent a letter to this address on First Bank's letterhead stating that this was never returned or closed. Val had said he would call around Tuesday and follow up and he never called. Now, they want a cashier's check or money order for $15, $39 return check, $29 past due. Important info we brought up to Capital One, we have two other Capital One accounts that were paid after this check, within a week that cleared with the same checking account.They could not give us an answer as to how these checks cleared?! This is very stressful.

Then I sent them a copy of my car insurance and a copy of my car registration and my vote registration card and a note from the county that I live in so they said it was okay. Then 4 days later, they called me and said that they needed to get proof of residence still

My dad has memory and poor health and these people didn't even care, said I had to get a power of attorney and my dad sign well in his condition. He can't so, what do I do? I don't need them to send him court papers. I said to lower the balance to where it was before and I can make 25 payments but they wont budge what can I do or who can help me because they seem to not care at all.

I am willing to pay the $1,200 but do I have to pay the additional fees totaling to $1,700? I was working part-time until I became ill with conjunctive heart failure and now receiving monthly income. I did attempt to pay and contact Capital One via the internet and continuously forwarded to Alliance and as time escalated so does the balance on the account. Please advise.

The damages would be credit report score due to not being able to use payment protection, harassing collection calls even after writing and requesting I have correspondence sent to me. The letter I sent in Dec. 2008 included doctor statements that I could not work. In March 2009, one of their collectors told me I was not ill. I also have records of times that they would call after collection hours or before.

Today, I received my statement (in the mail) which I have always received online statements/messages/alerts with Capital One, with a new percentage rate of 17.9%. I called Capital One and informed them I opted out of this, closed my account and my original terms shall remain in effect until my balance is paid in full on or before 5 years from now, assuming I have no late payments, according to Credit Card Reform Act of 2009. The "account manager" informed me I only replied to the "Stage 3" letter so Capital One assumed I agreed to "Stages 1 and 2" letters so my rate therefore increased.

As I am talking to the very rude "account managers," Melanie and Oscar, they just keep repeating the information about the ridiculous letters and do not have any answers. Why, after 5 years of always getting online statements/messages/alerts, weren't these "stage letters" part of my online documents? Maybe so they can use the United States Post Office as a scapegoat for their deceitful actions.

Something has to be done about this. I called, opted out, so because I only called once to the 3rd Stage letter and not the 1st or 2nd (which I never received), I am still prone to the 8% rate increase? Why didn't they mention anything about this when I called on the "stage 3" letter? This is just sickening and gut wrenching that Capital One, to whom was handed a ton of bailout cash, can do this to their own consumers. Who do they think is going to pay back their bailout funds? Us (consumers) and we don't have a choice in this matter but they can continually rip us off and ruin our credit if we do not abide their terms/conditions.

Why do they get to bend and disobey the Credit Card Reform Act of 2009? Just wondering Capital One, did your employees get training on how to be so cold and heartless to their consumers? I am now going to have to pay 17.9% interest on a $7,700 credit card balance, which paying what I am paying now as a monthly payment and as a single mother of two is all I can afford only to be paying Capital One the interest on this account! All I want to do is get this account paid off and put behind me, but at this rate and these economic times in Michigan where no wage increase is expected in the near future, I am pretty much out of luck! Thanks, Capital One. Hope you enjoy your awesome vacations and unheard of bonuses! Hope you sleep better at night ripping off your consumers!

Then I had to fight to get the late fees removed! In October 2009, I closed 2 cards I had with them because of the new fees. It took 2 weeks of calls to get them both closed. Lo and behold, today, I get a bill on one of the accounts for membership and late fees! 2 hours of being on the phone later, they said both accounts are now finally closed. Time will only tell!

This is a terrible company and I have spoken to them several times about erroneous charges. Capital One only posts its yearly fee when the account is low as to push the account over-the-limit and reap the penalty fee. I am closing my account with Capital One and will pursue this issue until all consumers are safe from fraudulent activity like this. In these economic times, financial institutions are attacking its consumers with fraudulent behavior and fees. As a member of a consumer group, I will not be bullied by Capital One and look to pursue this matter till the end. I have been charged over $500 in penalties in the last 2 years and my credit rating has plummeted resulting in personal and professional damage.

The other credit accounts I closed in 2009, all froze the interest rate at the time I closed them. Why is Capital One allowed to raise rates on a closed account? It just doesn't seem fair to me. The rate is 21.44% which is very high on the cash balance, and my payments are applied to the purchases and very little is applied to the cash advance balance. So every month in spite of not using the card, the cash advance balance goes up. This cannot be legal or if it is legal this unfair practice should be stopped.

In January, I receive a notice in the mail that I am past due and owe close to $50 on the account I had not used since August. I called Capital One to have the problem resolved. Nope. I had to call Credit Inform to be credited back first. I waited 5 business days, and I called Capital One again. Okay, fine. They reversed the late fees but not the finance charge.

Now, I have to wait another few days and then call another department to have this cleared up. I never signed up in the first place. I am afraid this will lower my credit score, and I have wasted time and energy getting this righted. It is ridiculous that Capital One is the one who signed me up, yet I am on phone call number 4.

So I emailed corporate and they send me statements that I never received before September 2008, even 6 months late payment. I have been in the same address for over 10 years. I was told mail request was my only communication with Capital One. I was told they sold my account in 2006, it's not their problem. So I asked payment protection and paid $657.04. I will contact the collection on my credit file and settle in dispute! I was told I could call that they wouldn't call that money is all Capital One. So I called and was told that I still have to pay and this will stay on credit until I do.

I can't understand half the words the employees are saying because their accents are so thick. I tried calling customer service for assistance, and I received no help. I tried to get help online and they just kept referring back to the dispute department and investigative solutions. I am being fraudulently charged and I can not get any assistance from the company that is supposed to be protecting me.

They sent me an active card through the mail. This is not good practice.

They refused and said we cannot request an increase as it is performed by corporate during their periodic reviews. I then demanded a manager and explained to him I had been passed up for 20 periodic reviews and how could this happen. He referred me to customer service which can do nothing for the consumer but give you account info and take a payment. I then wrote Capital One 37 times about it in six months.

Not one reply. I maxed out the card and then demanded they grant me my due increase and reduction in my interest as I sure did not deserve any increase as I have never been late, over the limit etc. They would not budge. I then just let it go. If they come after me for it. Two more years file BK again just on them.

I am under constant doctors care. I am on a fixed income of $600.00 a month. I am not able to pay this amount that Capitol One keeps charging each month. I have not received a bill from them. This has caused Post Traumatic Stress Disorder, along with panic and heightened anxiety attacks. Not to mention high blood pressure from worrying. I do not have the finances to pay all the amount they are charging. I am a senior citizen and do not need this hanging over my head.

I have lost the benefit of the bargain. These are contracts of adhesion, which has threatened by ability to raise capital for my law practice and I have paid an enormous amount of money. Capital One has sketchy employees who do not properly credit accounts, document phone calls and actually sell private financial information to harass and abuse their position and power. These are organized criminals who work with financial institutions to divert money, not on the consumer level, but on the system level. Where is the FBI?

As far as the Corporate account, the same occurred when I submitted a change of address online, no bills arrived. Finally, after about two months, the post office delivered the bill and it was two months late. Since this account runs through an accounting department, I did not have any knowledge of this. However, when my accountant called them to change the address, a completely inaccurate address was submitted to the account.

Both of these accounts had to be closed because the liability of having a Capital One account is much too high due to their complete lack of efficiency and/or online services. If you are considering getting a Capital One account, I must warn you, it seems that they are looking to make a mess out of your credit. My credit score dropped and created much difficulty with other good credit accounts that I hold.

I contacted Capital One and explained the situation. I told them that I would pay the account off when I got my 2009 tax refund. Having dealt with them in the past, I also sent a registered letter explaining the situation which I have receipt to prove that Capital One received it. Capital One reps contacted my father-in-law in an assisted living center and questioned him about the account, my wife and my status. My father-in-law has nothing to do with my Capital One accounts. They also contacted my sister-in-law with the same questions and she too has nothing to do with my Capital One accounts. I am not trying to hide from their calls and do not understand these attempts to collect money from people not involved other than to harass and embarrass me in front of family members.

My father-in-law had a panic attack due to their contact. I have read the Fair Debt Collection Practices Act and I can prove that Capital One has intentionally broken several provisions within the act. If they have done this to me, this must be their accepted practices. What legal recourse do I have to stop them and/or sue them for illegal practices? How did Capital One get the phone numbers of family members who having nothing to do with my accounts? I was unable to refinance my mortgage. Capital One has harassed family members who have nothing to do with my accounts. Capital One has contacted me at work using fictitious names

They could not even show a good faith gesture as I had made the first two payments on time. Now they want three times the amount? They are insane if they think they will get that from me. I should have never opened that account after the numerous complaints about them. I'm seriously considering taking them to court. I am now in collections for an absurd amount. Should I need to purchase a new car (mine is almost 10 years old), it will be very difficult.

I was simply trying to pay off the balance due on the account and would like to be removed from membership dues and monthly membership fees. I was told that if I canceled my membership, the entire amount due would be demanded in full. After that, the last statement I received from them was approximately Nov or Dec 2008. I sent them emails, I sent them letters, I sent money to a payment center without a statement. They called me in April and demanded payment. I told them I would catch up the account, but I wanted a statement to show my payments and balances.

The woman from India or somewhere, after almost an hour, finally got it through her head what I was trying to do. She was asking for bank account info and such so that I could be set up automatically. I told her that that was not what we were doing, but one time payment only and monthly statements. I never received a statement.

I have yet to receive a statement but I am now in January 2010 getting calls from a collection agency wanting to set me up on automatic payments. I am very hesitant to make any arrangements with this company after reading all the reviews online.

Please help. This is very stressful to me and my family. My husband is a very sick man, and we are not able to pay off in full because of limited income. He is disabled and I work minimal income. I am supposed to contact them today to discuss again. I don't care about paying them something, but I feel like they have cheated me for years by adding fees and dues to this account. I can never pay it off because the amount changes with interest and penalties every month.

Therefore, payment for December was not given any credit. November receive two payments. I received a statement that no payment was received for December with late fee of $39 and a statement for double payment for Dec and Jan $179. I am appalled as all representatives stated how sorry they are, but can do nothing but waive the late fee. Supervisor Chris stated that they were regulated by the government to change billing cycles. Contrary to his statement, the other supervisor Frank stated that the billing cycles never change.

At the beginning of the year, my interest rate was 9.90% then in June went up to 17.90%. I was doubling my minimum payment at that time. I have paid January's payment of $100 on the 5th of Jan. which is more than minimum payment. But because of the change in billing cycle, I am required to pay an additional payment of $40 due on Jan 29th. If I do not pay this second Jan payment, I will be charged a late fee of $39. I feel very insecure with this company now. I have lost faith not knowing what scheme they will come up with next. What happened to business ethics?

The last response from Capital One in writing states I should call customer service to designate an overpayment to the principal, which clearly admits that overpayments are not being applied towards the principal. The FAQ's on their website also clearly state they are applying overpayments to the next payment due. I only read the FAQ's after I discovered the issue since my contract specifically states no prepayment penalties and payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal.

There is zero information on any payment page stating overpayments to principal must be designated to the principal, no information on how to designate overpayments to principal, and the contract I signed specifically states payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal. The contract, the correspondence, etc. have been scanned and can be e-mailed or faxed anytime. I am paying interest in advance, and the principal balance is not being reduced by extra payments.

I think that you need to investigate them. Instead of respecting my request to cancel my account in the past, they send "convenience checks" that anyone, including people who take mail from mail boxes, can use. No ID required. I tear them up, but Capital One is just trying to encourage charges, refusing to cancel my account and acting illegally and fraudulently. I checked their rules and regulations, which states that accounts can be closed by mail and by phone, both of which I've tried repeatedly. Please investigate them.

I received a bill from them this month with a notation that "my promotional rate" was going to expire soon. What promotional rate? I was assured at the time of the balance transfer, that the APR would remain the same. In addition, Capital One claims that they sent me a disclosure last February stating that they were going to increase my APR unless I closed the account, in which case, the APR would remain the same. When I called to transfer the balance, no mention of this was made. I never received notice for them.

I have spent several hours on the phone with them over the past week, going from one representative to another, each one telling me they can't do anything about it. It's not a case of "can't"; it's a case of "won't". The last person I spoke with claimed that he was sending an email requesting an appeal to the corporate office on my behalf and a senior account manager would be contacting me either that evening or the next at 8:30 pm to discuss this with me. No one called. I called them back yesterday, Friday 1/15/10, to find out why I did not get a return phone call. The rep I spoke to said there was no such thing as an appeal, that she was a senior account manager and that nobody from the corporate office would be contacting me.

I again stated that they have no right to increase my APR for the pure thrill of it and that they are going to ruin me financially. I told her that this will make my APR amount cost as much as my normal payment amount (I normally pay the minimum plus finance charge and send a little extra if I can) and that I cannot afford to support Capital One's desire to get rich quick. The rep claimed that due to the "financial difficulties" of the economy, they have suffered and had to make this "business decision".

I was completely disgusted with yet another phone call to get nowhere. I told her that they are making me choose between a roof over my head and food in my children's mouths or pay them and guess who the winner will be. She was rude and completely callous and did not care one bit. I think it is completely unbelievable that legal theft is acceptable when the American family is already suffering tremendously between record breaking unemployment rates, not to mention when gas was $4 a gallon and parents were having to choose between a tank of gas or food.

How can this be permissible? Congress is allowing changes to begin in February 2010 to supposedly "help" the credit card situation; yet in the meantime, the credit card companies are "allowed" to put their good paying customers into vulnerable situations in which their families and good credit suffer. Despite my insistence that I did not receive their disclosure, the rep at Capital One said, "It doesn't matter, we are raising your rate anyway." Please help! This is affecting millions of innocent, good paying consumers. Even after asking the representatives to look at my account history and see that I do not even use the card, still this is of no consequence to them and they don't care. Legal theft should not be legal! I am going to have my credit ruined due to legal theft from Capital One. I am a good customer with excellent credit.

Capital One should provide an instant confirmation number and email confirmation for all account activities. Every other company does it for things as simple as payment receipts. Waiting a week for a piece of mail is just silly in 2010. This makes me glad I've cancelled my account with a company that can't even be bothered to give a timely confirmation. They have horrible service right until the end. Stick with AmEx! Even their free card is amazing.

When I asked what Capital One does to recover the funds, I was told that they really did not pursue this. Since Capital One chooses not to pursue so did I. I was then contacted by the bank and told that since I didn't want to pursue with the local authorities, they would not return my funds. I returned to the bank and asked why I would not receive my funds when obviously this was a bank error to allow the check to pass in the first place. After dancing around the fact I had to go back to the police department and get a case number in order for the bank to return the funds. At no time did any representative at the bank admit to the fact that they dropped the ball. What terrible customer service and accountability. Now, "What's in my wallet?” Not Capital One. "No hassles," I don't think so. I waited 22 days for the money to be returned over the Christmas holiday when cash matters.

So in Nov and Dec, I finally used this card at my 8.33%. At the end of Dec, my daughter said I better call to verify as every credit card company was raising everyone. Behold to my surprise, the range of different people kept telling me my interest indeed is going up in Feb2010 to 17.1%. I never received one notice all year on this account. They kept saying the offer. I never accepted any offer since the one I paid off from 2007.

They are crooked, deceptive, fraudulent and whatever I can think of. I have been fighting with them for at least two weeks now because they keep telling me this offer was sent to me either in Feb or May of 2009. Funny, they didn't know which month. They are trying to tell me they sent this to me a year ago. They are deceitful and total crooks and greedy. I kept telling them they have never sent me a 45 day notice. They guy said the bill hasn't taken effect yet. Everyone else I talk to have received notice between 3 weeks and 45 days ahead and the excuse is they only have to notify you 45 days in advance. We all need to either stop paying all the credit card companies and let them eat it or file bankruptcy.

Anyone out there want to get a class action lawsuit going, I'm ready as I'm totally fed up with all these credit card companies and very stressed out. This last guy I talked to told me a different story that they sent me notices in Feb and May 2009. This was a new one. Also since my call, they have not put on my ATM which I got online as I haven't received it in the mail yet, that my promotional rate will expire soon, as of 11/25/09 , which a new one now. Also on the bill, they talked about the new credit card act of 2009 and have this on the statement. No notice of 45 days is being given here and Capital One doesn't think they have to give the 45 days notice because it's not Feb yet. But they are raising it in Feb. Help!

Obama has screwed all the consumers and gave free field to the credit card companies to raise the interest as high as they like as long as they give you 45 days notice and some are not giving you the notice. They are just raising the interest. Anybody out there with the same problem? I did see a few of you. Let's get a class action going as soon as possible.

"We know you're having financial difficulties right now and we want to help prevent your situation from getting more stressful. The first step is to contact us at 1-800-. You'll be connected to one of our customer assistance specialists who can help you avoid additional late fees. They'll work with you to set up payment options to get your account back into good standing. While you're on the line, you can activate this $50.00 gift card - no strings attached! Use it to buy gas, groceries or a gift for yourself, whatever you prefer. It's your money. Call to activate your gift card by June 11, 2009. Please keep the code below and call 1-800- to activate your gift card today. We are available Monday-Friday 7am-11pm, and Saturday & Sunday 8am-5pm."

Yes, I still have a copy of this letter. Yes, they were contacted the day the letter was received. Yes I have filed a complaint earlier 2009 on this matter with the FTC on harassment calls and with other agencies on this matter. I feel I was mislead on the $50.00 gift too of which I never got. All I got out of the matter was more stress and continuance of harassment calls. It even seemed to sound like it was calls from the same person I talked with the voice sounded; the same in constant calls coming in at different times of each day. Even at times that were at after 10pm my time. Or even on Sundays they would not seem to let up. Same person calling, same voice, even with a rude tone in their voice. I kept telling them to stop. I feel like I had even sent a letter to them on this matter to stop calling me. Hope you can help me resolve this.

I was told the bank is not at fault for my inability to access my account online with Internet Explorer version 8 or 9 (which have been out for a long time) nor that the telephone service they provide to access my account gives me the incorrect current balance. They did, however, said the reason an ATM can give the correct balance is because they are "in the system". Apparently, my bank account with them does not afford me the same privilege. They refuse to forgive overdraft charges ($35.00/per) or come to any type of arrangement to avoid these charges in the future. Most of the overdraft charges were for amounts under $35.00 which translates into 100%+ interest referred to as a "service charge" (usury). I make an automatic deposit on a weekly basis so it is quite obvious I am not a credit risk, yet I do not qualify for any credit.

Anyway, I put down my salary plus what I received in retirement benefits and was informed I will be getting the credit card with Capital One. So I charged small amounts for mainly gas for my car, and much needed food i.e. sandwiches. After 2007 through 2008, I just paid the minimum they asked for on each statement. In February 2008, they raised the credit from $500.00 up to $750.00, I still paid the minimum. In the halfway mark between 2008 and 2009, they started charging me late fees and over the limit fees.

So before I knew it, I was paying through my cell phone directly to Capital One on the net between, $100.00 a month up to $200.00 a month. I haven't made any purchases in over 8 months and each month they are still adding the late fees and over limit fees. My statement date is the 29th of each month and I've been paying through my Visa card at my bank where my Social security benefits are being directly deposited and sending in the payment by the 6th or the 10th of each. How can I make a complaint to the Attorney General's office, and how can I file a class action suit against Capital One?

It all started when one time, an inverted two numbers on my credit card and I corrected it immediately! They have locked me out for two days without asking my courtesy a question one time! What happens now is my credit record ruined forever?