Capital One Reviews

Read "The Total Money Makeover" by Dave Ramsey, and you will never want a credit card again. I paid my Capital One credit card off. They had me so mad. I sent two hundred dollars extra. The account was requested to be closed at this time. Capital One said the check would take ten days to clear after the money was already out of my account. I shot credit card with a .357 magnum pistol after paying the account off and mailed it back to Capital One. Capital One still needs more time to let the bill cycle one more time to close, because they added a charge for three dollars and seventy cents.

This incident, to be honest, started with my online mistake with a balance transfer. I immediately called Capital One to stop the transfer. I was asked to call back in two hours. I called back and was told by another person to call back the next day. I called back and was told by another person to, again, call back the next day. In a two-week period, I called Capital One so many times that I lost count. I would guess it was about 8-10 times. No one could help or took ownership of the situation.

I have been a customer of Capital One for over 9 years. I have never been late, and I usually paid more than the minimum payment. And now, they are increasing my my interest rate to 17.99% on my old balance, effective February 2010. My old rate was a high of 9.99%, and some special offers were as low as 2.99%. I am retired, and this increase is making it all the harder to get it paid off. I told Capital One I wanted to cancel the card, so I would not charge anymore by accident. They told me that if I canceled, I would forfeit my 31,000 rewards. I will keep my account open, because I don't want to lose that. But it is so unfair that they can raise my rates on an old balance. I can understand if they want to do it on a new transaction, but on a previous amount, it is unfair. Is it because I am a woman or because I am a senior? They say no, but it makes you wonder.

I am only 22 years old and have recently have had a strong interest in my credit report. With so many issues with the economy, I want to make sure my credit is in tip-top shape. I just checked my report to make sure everything was in order. I noticed that Capital One has made several inquiries on my report. I have never done business with Capital One: no credit cards, no loans, no banking. They have never asked to review my credit report. I don't want these inquiries reported by them to keep showing up!

Capital One needs to double screen people they hire to represent their company and make sure they haven't been ordered to attend anger management classes. The local trash company has better PR people! Kevin has some serious issues going on, or does Capital One go out of their way to hire such rude idiots?! Today, November 14, 2009, I received a notice that begins with "At Capital One, we are committed (which Kevin should be) to providing our customers with honest and timely communications. Today, we're notifying you of changes to your "Penalty Rate." (followed by underlined) Please take your time and read the following notice carefully, so you understand the impact to your account terms." What?! Are you kidding?! I have had my Capital One card for a great length of time. (By the way, it's a Platinum Card) and from the inception of my utilizing the card, I pay the balance in full every month without fail.

I just received a notice from Capital One that my APR will increase to 29.4% (from 3.5%!) beginning in January 2010. The reason, they explain, is that I was more than one day late paying my bill on two occasions, over the previous 12-month cycle. To be fair, Capital One did send out a notice in Feb. '09 warning of such a policy change. (I remember thinking how it would be almost impossible to not get this rate increase, and wondering how many thousands of other customers would be affected, thereby making millions of dollars for Capital One). In their minds, Capital One is covered by having sent out this notice and as I was told by Linda, there is nothing that can be done to lower the rate.

Our company interest rate is 0% and will increase to 6.99% on 1/23/10. We receive checks from Capital One (Visa) all the time stating to use it with same APR and no fees. I called to get info due to an increase rate on our Chase credit card from 7.99% to 19.22%, which we cancelled to see if we can use it to pay off. But the adviser stated to me the check would be good for the 0% until 1/23/10 and then we would be charged the 6.99% when it increases. There's nothing about increasing higher than the 6.99%. So I stated, "Does it look like our account will stay at the 6.99%?" So he stated, "Let me see if your account is being affected." So, he came back, stating it's increasing to 17.9% on 2/1/10. We have a $50,000.00 limit on our card, and we use it for job materials for our business. We have had this card for over 20 years, and we always paid more than what's expected with no lates and no overlimit fees. From our 6.99% to 17.9%, that's just robbing business that have money and can pay. Of course, this card will be cancelled right away.

I received a written notice that my interest rate was increasing from 9% to 29% unless I cancel my card. When I tried to cancel my card (opt out and decline their generous offer of 29%), I cannot get through. There is no address given to write to, just an 800 number that disconnects my calls. Because I now have a high balance due to a number of economic disasters ($18k), this triple rate increase might just force me into bankruptcy.

I applied for a zero percent interest card for a 13-month period of time and paid the balance due before the end of the 13-month period. In my last billing statement, they charged me $93 in finance fees and then continued to charge me $29 each month in late charges (but never sent a statement). I thought my balance was zero, until I received a letter that stated I was past due and owed $129 or so. I called and spoke to someone, who advised me that the balance on my account was zero and the account was being closed due to inactivity. A month later, I got a letter from my mortgage company indicating that my equity line was closed due to a negative report on my credit. When reviewing my credit statement, it was from Capital One.

I paid to close the account in full, including all the fees. Another charge hit the card before it was officially closed, and somehow, they showed me owing the fee again as well when I paid the new final charge. I paid the final statement's fees twice.

My interest rate recently jumped to 23.15%. I called Capital One, and they said it was because I made two late payments in the past year (September 2008 and January 2009). I am rarely late, and I have an excellent credit rating. And as such, I have never paid a double digit interest rate. I accept responsibility if that is their policy, and I accept that the January payment was late. The September payment was late however due to Hurricane Ike and our mandatory evacuation of our city and the resulting damage to our home. At the time, we called Capital One. They were understanding and waived late fees.

I understand that the balance would remain until paid off. I just no longer want to do business with them. I want it to be reported to the credit bureaus that it is was an account closed at consumer's request on 11/9/09. I do intend to have it paid off by the end of the year. I am upset that they refused to honor my request. I was trying to cut down on the number of opened accounts that I have, and they simply refused to process my request.

I held a nearly $2,000 balance on my Capital One credit card for over a year and realized that I was never going to be able to pay it off due to the ridiculously high 29% interest and occasional late fees, which I think were frequently added due to them not applying payment in a timely manner. I got a consolidation loan from a bank and pulled the statement for the account, so the bank could pay it off. The payment applied on November 9. Interestingly, they are now showing a balance of almost $65. On the day they received the "payoff" and letter to close account, they charged me a $39 membership fee and according to them, residual interest from October. Why was that not reflected in my balance due online? It sounds like a way to keep collecting interest on a nonsense charge!

I received an offer from Capital One. Seeing their commercials, I figured they were a reputable company. Wow, I was wrong about that. I should have read all of this before I got approved. I was given a $200 credit limit. Mind you, they added that $39 membership fee. I was thinking that my credit score was going up, hence the offer from Capital One. I didn't research it first. Now, I definitely know better.

I used special 0% APR access checks that claimed to be 0% interest for 12 months. I pay my balance in full each month to avoid finance charges, and I usually charge between $2,000 to $3,000 per month. What they neglected to mention was the only way these are 0% finance charge is if you have no balance at all. Payments are processed to the lower APR balances, so the amount paid went to the 0% balance, not the purchases that I made. So, I paid my balance, minus the amount of the access check, but this was credited in such a way that I was charged $46.67 in finance charges the next month on my purchases.

Today, 11/9/09, there was another attempt to obtain a breakdown of charges on my account. I called the number at NCO Financial Systems taken from a letter dated June 10, 2009, only to be transferred to Alliance One.

On 10/21/08, I opened a 0% interest for 1-year platinum credit card with Capital One. I paid the minimum balance on the credit card until my October 2009 statement. On October 3, I called the Capital One customer service center and inquired when I needed to pay in order to avoid any finance charge and spoke with Sue. I was told that as long as I paid the bill in full before my due date on 10/28/09, I would have no finance charges. I paid my bill on 10/27/09 for the full amount over $4,000.00.

One day, several months ago, I tried to make a purchase using my Capital One credit card. The transaction was declined. I contacted the company, and I discovered that my credit line was reduced from $4,300 to about $600, which represented the balance on the account, not including the car repair I had just added the previous day. The net result of this was that the new credit line was $800 below the actual account balance, and the credit line had been reduced without cause and without notification.

Beware of this company and their credit card practices. They are extremely conservative when it comes to credit limits, yet very aggressive when it comes to interest rates. I have a FICO score of near 700 and a second credit card opened approximately the same time as the Capital One card with a similar credit limit ($1000). During the past 6 years, I had the second credit card up my limit to near $10K, yet I was only able to get my Capital One limit raised $300. I have paid the account off earlier last year, but I have used it periodically to avoid getting charged for any inactivity fee.

I have been having issues making my payments. I have tried several times to make payment arrangements. The first is in September when three letters were sent putting me on a program called Past Due Fee Waiver. I submitted the amount requested which was $31 spoke to DC. After that, I received a statement that no longer reflected that program. I called and the three letters where not showing on my account. The lady (DC) I spoke to said she would honor the program if I faxed the three letters. I did and the program was still not honored.

I paid $15,000 on my balance in an attempt to pay off my Capital One credit card on 11/2/09 (3 days after due date). This left me with a balance of $80 and some odd cents. I was waiting for a return from Spirit Halloween to post in the amount of $13.25 and then was going to pay off balance and close account. To my surprise this morning, now my account shows a balance of $283.52 (finance charges). My payment history is very good and I have always paid on time and well over the minimum amount. I have always been happy with Capital One until my interest rate went from 7.9% to 17.9%. I work in customer service and I would never treat my customers how I have been treated! I am asking to have the finance charges waived.

My husband died on 12-31-2007. I kept paying the credit card payments through July 2007. When I called to cancel the account, they told me they owed me a refund due to once someone dies, there is no more interest on the account. Well, here it is, 11-04-09; and I have yet to receive any money refunded to me. Every time I try to call and after I put in the account number, I get the procurement section. I have already spoken to them. They tell me they have turned everything in to Capital One. But no one from Capital One will talk to me.

I paid off my Capital One Visa credit card in full. A few months later, I got an email from Capital One that stated that they have a great balance transfer offer for me. It fully explained that I could transfer a balance from another card to Capital One for 0% APR fixed for 12 months. I called in and accepted this offer. My first statement showed that there was no interest on my account. My second statement showed interest of 17.75%. So, I called them and explained everything. I faxed in a copy of the email that stated the offer that I thought I signed up for.

I had a $20,000 credit limit with Capital One, which I paid off. I've never been late with a payment over the many years I have been using them. Now, my outstanding amount is $6,490, and I have been told that my credit limit has been reduced to $6500 because of the following reasons: (a) I have not been using my card as much as I had been before. (b) I owe more than my monthly payments (What? Isn't that what "credit" is?) The Capital One rep admitted that no one who has a credit card with their company has a lower amount than what they owe. And (c) my balance is higher than they would like. All great mumbo-jumbo by this "can't be touched" company. The company rep said to me that if I still owed near the $20,000 credit limit, everything would be fine. I am being penalized for paying off my debts on time and being a good customer. What a bunch of crap.

I have had a Capital One credit card for years. I have satellite radio service through XM, now SiriusXM. I charged when I set up service for two years but did not want an automatic renewal or any other service. I never signed a contract nor did I ever agree or was I presented with anything stated that I agreed to renew automatically. SiriusXM charged my account for $271.95 without my permission and without my knowledge. I do not use the service anymore and have not used it since June of '09. I have asked numerous times and written to Capital One and they will not remove charge. This is supposed to be my money and they gave it out without my permission and I want it back.

I had this account set up on an automatic payment with paperless billing. I noticed a substantial increase in my monthly payment and printed out a statement where I saw the rate increase from 4.77% to 13.9%. I called and was told that the notice went out in April about the increase. That notice (the only notification received) is very deceiving. On page 2, the heading reads "Changes to your account terms..." And below that under "Purchase and Balance Transfer Annual Percentage Rate (APR)" which applies to me is a bullet that states "Any introductory or promotional rates on your account will not increase until they expire." Fine. I circled that statement and filed it away.

I received a letter that my 7.9% APR would be changed to 17.9%. The letter came about 2 weeks after the rate increased. I have always carried a low balance (30% of my $1600) or no balance at all with no late payments. I bought a house in July and assumed this would make my credit score and limit on the credit card increase. But a month after buying my home, the Capital One card rate rose 10 points. The only answer I received was that the economy was bad. The economy's been bad for several years. Why did it take that long for my rate to increase then? I was told there's nothing that can be done even after threatening to close the account, explaining how I have been a loyal paying customer, and explaining how my fiance's rate with his credit union is only 6%.

They have continued to call my home and ask for Ron and telling me that my husband who has passed away approximately five years owes a bill which he has never had. Capital One Card Plus wanted his social security number. I am his wife and this is getting me very upset since he has passed away and owes them nothing. To me, this is fraud and trying to extort money from me. The person they are looking for is in Idaho and my number sure is not an Idaho number. I have told them this is the wrong person they are calling and to please stop calling me. This has to stop. It is causing stress and my high blood pressure problem to rise. I want it stopped.

They charge late fees if you do not pay on time. I get that. What I don't get is the fact that they charge if you pay too early! I had made an early payment just before their billing date and was charged a late fee for this. I did call and spoke with someone who agreed to remove the late fee only to find that it had been put back on in the same month. This month, I sent my payment in what should have been plenty of time to be received by their due date; however, I have again been charged a late fee. This payment was made by electronic check so there is no reason for it to be late. I am having a difficult time determining what timeframe will prevent late fees with this company. I have been a longtime customer but in this year, all of these issues have come up. Could it be a result of me no longer charging and making higher than the minimum payment on a regular basis? I am not able to pay them in full right now but am attempting to pay off ASAP. Could someone tell me what the timeframe is that may prevent late fees with these folks?

Reading these posts and going through my own experience of CO over the past 2 years, I can say without a doubt that we consumers have absolutely no rights whatsoever when it comes to being scammed by companies like these. They are allowed to "stick it to us," no matter what our circumstances are; and in the end, actually, they themselves make it impossible for us to pay our debts. Folks here have tried to seek a remedy with CO and met up with a wall of non-cooperation. And so it was with me, when my minimum payments got so high that I could not pay them at all after 3 job lay-offs in 3 years.

This is regarding APR with Capital One bank, as we already know how critical our present economy is. I was doing my payments online to this particular bank. However, I was late already two times but not consecutively. However, within the period of 12 months, my late payments were only for a one business day late, not even several days. But the credit card company charged, beside the late fee, a 29.40% APR, an abusive amount of interest.

They called us last night offering us credit protection in light of the new consumer law coming into effect. For $49, charged immediately upon our approval, we would be guaranteed not to get charged for any over-the-limit fees once this new credit card law goes into effect. They were persistent, and the guy was reading from a script. In the background, you could hear other callers yelling back at the people they were calling to get them to sign up.

I have been trying for over a year to negotiate payment arrangements with Capital One Bank due to financial hardship. I have a credit card that I am trying to pay down, and I have been working with their collections agency. An agreed amount of $60 per month was made with the collector, and that was more than I really can afford but was the only amount that they would accept. After that, they continued to call me. I have made my payments according to the agreement.

On April 30, 2009, I contacted Capital One to arrange two balance transfers from other cards. The total transfer was approximately $14,000. The identified operator advised me that an offer of 2% on my balance transfers would be extended to me. I specifically asked for how long. I was told "Permanently." I recently reviewed a statement received, which revealed I am being charged 9.9% interest. Upon calling Capital One on October 26, 2009, I was told their records do not reflect that I was offered a 2% balance transfer rate. I asked if the records show the conversation was recorded. I was told not all conversations are recorded and they do not know if mine in April was.

Over a year and one half ago, Capital One offered me a credit card with a $1000.00 limit. I began using the card, and within a few months, I received a notice that the "terms" were changing, which involved increases in fees and interest. I immediately closed that account. I maxed that card out and paid it off within 8 months of receiving that notice. Then, they offered me another card. But this time, they only gave me a $500.00 limit. So, considering I have been trying to build up my credit score and record, I bought into it.

Oh yes, Capital One. That's why this country has got so many banks in trouble. The banks caused the meltdown, not the citizens. They're still charging high fees, and now, they're sending you to collections if you owe $1500.00. I got a summons from a lawyer, who's doing their dirty work, as he should be out there getting the bad guys and not going after me as I've got nothing to pay this bill with. I lost my job. I'm on food stamps. I lost my home, and he wants me to pay $3000.00 so he can live well. What's wrong with this picture?!

I have 3 Capital One credit cards. The one I'm writing to you about is my Capital One Small Business card. In May 2009, my interest rate was 12.79%. In June of 2009, it went up to 17.90%. I've never been late or over the limit and paid it off in full a lot. I have had a loss of income due to the real estate market being so bad. I called Capital One and asked for them to reduce my interest rate, since I've been an excellent customer for at least 7 years now. They would do nothing for me!

Well, I have a credit card, which I was paying until I got hit with an over-the-limit fee of $37 for $4 over the limit, which was a direct result of the finance charges - their fees! I inquired into it, because I felt that that was just wrong but was pretty much told that was too bad and to make my payment. On top of it, I got hit with the higher interest rate. I asked the customer service reps for some remedy but would not work with me. I just quit making payments. They were getting out of control. I got hit month after month with finance fees and over-the-limit fees.

I have a new call number, since they couldn't get a hold of me by phone! They put a bad comment on my credit report! My new number wasn't updated! They were trying to find some way to make trouble for my credit report.

I have balances at two different rates on my credit card. After paying $65 for the September 17 bill ($5 over minimum), the October 17 bill shows that while my lower rate balance decreased by $25.66, the higher rate balance increased by $4.43! How can my higher rate balance go up, after paying on time, over the minimum due, and with no charges. Why are the credit card companies screwing us over every way they can before the reforms kick in?!

I found 2 unauthorized transactions on my Capital One credit card. I filled out the dispute form, but nobody took care of my problem. I called to the bank and spoke to the first representative. She asked the reason I'm calling. I explained to her. She said she couldn't help me and redirected my call to the second representative. He asked me the same questions as the first person. I answered, and he left me on hold for 15 minutes. Then, he returned and started offering me to keep this card, and he said that they would solve my issue in a short time. Then, he left me on hold for another non-limit time, then he hang up the phone.

I am like many of the people you have read about. For years, I have been sent special interest rates as well as special checks. I still have many of them; some as low as 1.99%, more at 3.99% fixed. Then, I was offered by letter to combine my accounts and my interest would be fixed until I had it paid off. It was at that time $15,000 with an interest rate of 6% but no more than 10%. I have 5 other cards with them. They raised three cards about a month ago (17.99%).

I was following up on my Capital One charge card bill. I added the finance charge plus the charges and came up with something much less than the minimum payment. When I called, I was told that in my "original agreement," they could charge 1% of the unpaid balance. I asked why that was not on the statement, and they told me that it varies based on my balance. Well, so the heck does my finance charge. I asked why my "finance charge" does not reflect this, and I could not get a straight answer or why they did not show this on the bill (a hidden charge).

I received notice via mail that my Capital One credit card percentage rate was being reset to 25.9%. I contacted the home office (corporate headquarters) and was told this rise was due to the current economic climate. My credit score is in the low 700s, and I have had a great payment history with them for the past 4 years. I told the person to close the account and that I would never do business with them again. I recommend that no one do business with them to begin with, as they do not value loyal customers.

Both of us were retired. I manage by living with my children but had to let the house go. Capital One talked to my lawyer, and they explained that 1) they did not respond in the allotted time of 8 weeks, 2) the estate closed -$19,834 and that there is no money in the estate, and 3) they have been warned not to bother me. So now, they call my dead husband's sons.

Capital One charged me an annual fee without any warning, causing my account to go over the limit. They then charged me late fees and over the limit fees. I called and was told to pay a certain amount and I did. Then, I was hit with another fee. I called and another person told me to pay a certain amount and that it would be fine, but this is what I was told last time and it was not fine. This company and their customer service people should be fined or something should be done about their practices. They continue to add late fees, over the limit fees, annual fees and are making my account horrible to pay off.

This rep worked a deal with me to pay $2,021 to lower my interest rate. This never happened and Capital One is now saying it never happened. I will lose out on hundreds, if not thousands of dollars in unfair interest.

I started disputing charges on 8/28/09 for a floor installed incorrectly and which I had to replace. After many letters back and forth, I received a letter on 1/22/09 that the charges for the floor were being credited to my account and the merchant had 45 days to respond or the case would be closed. April 25, 2009, these same charges were re-billed to my account. When I phoned the dispute department, I was told the re-bill was an error and would be corrected. It wasn't. I have continued to phone the disputes department and have been continually advised that the dispute is still open. As late as July 2009, I spoke with a supervisor who told me the dispute was still open and this supervisor had finance charges related to the dispute removed from my account.

They have made frequent calls to my number after I have asked them 11 times over the last 7 days to please stop calling. I don't have a Capital One credit card. I have been repeatedly told that it will take 24-48 hours to remove me from their calling list. It has been almost 13 days now. I am being harassed at work and at home from the constant calling.

Consumer attempting to resolve a disputed charge - A dispute was filed. Capital One returned over two hundred dollars to the consumer and a letter stating the dispute was now between the consumer and the merchant. Capital One continued to mail statements to the consumer for $87.97 fee. The consumer called Capital One at least twice after two such billings arrived. Capital One again stated the matter is now between the consumer and the merchant. Also note that the account was closed by the consumer, but Capital One has the authority to keep the account open until the charges are resolved.

Capital One has raised my interest rate on my credit for no reason at all. Never missed a payment, never late, always paid over the minimum. When I called to complain, they said they sent an opt out letter, which I never got (I have a business and personal Capital One card, I did not receive a letter for either one. It seems odd to me). They have refused to put my interest rate back where it belongs and have used deceptive business practices to basically rob their customers and no one can legally stop them. They have made my minimum payment so high now that I am forced to either send less and get charged ridiculous fees for not paying the minimum or worse, make me default on this card.

In February, Capital One sent us an offer for 0% interest rate for 6 months, then 4.99% till the balance is paid. We took advantage of the offer. In August, I called and asked when the rate was to roll over and confirmed the rate it would go to. The rep answered 10/20/09 and the rate was 4.99%. In September, due to pressure from Chase Credit Cards, we paid $36,000 in higher interest credit card debt (none above 7.70%) to keep our monthly debt level manageable. Now a month later, Capital One sent their statement and the new interest rate is 13.99%. When I called and complained, the rep said "I'm sorry, the other person made a mistake, but she was mistaken because you don't have the promotional rate of 4.99%." I didn't save the paper with the offer sent in February, so I can't prove my point.

Capital One has now stabbed me in the back with their unethical practices. I received a Lowe's Capital One credit card many years ago at 4.9% APR for life, "guaranteed for life," and it has remained that way until this year. Earlier this year, I received a call from the fraud department stating that a questionable charge had been applied to my account and they were checking to see if it was mine. The charge was for two airline tickets to Saudi Arabia and I have no intentions of stepping foot on their soil. The fraud department stated that they would close out that account number and reissue a new card and account. My better half sent in a payment and it was applied to my old, closed out account. I got a call from the Capital One collections demanding payment over the phone. I refused to pay and contacted customer service. The lady was very helpful in finding my payment and applying it to the proper account and supposedly correcting the delinquent payment.

I am disappointed that you charge $10.00 to pay by phone. Other credit card companies do not charge!

The company is unwilling, unlike other credit card companies, to help with payment plans such as fee waiver period to help bring the balance down or remove yearly membership fee. Unwilling to assist in any way. I'm unable to pay an affordable, fair amount and reduce over limit fees and late fees.

I had a credit card rate of around 4.25% (Libor rate). I did a balance transfer in March of 2009 and confirmed (explicitly) with the operator that my rate would remain the same for the life of the balance transfer (subject to the fluctuations in the Libor rate). In May 2009, Capital One changed the terms of my account to the prime rate (about 15%). I did not even notice until September of 2009 and called right away. I was informed that a notice had been sent and that if I had wanted to "opt out" of the changes, I should have done it back then. I tried to explain that I had not received anything and that the operator had said nothing about defaulting to a higher rate.

When I received my paperless statement in June, I went and checked the site as usual. To my surprise, my account was negative, with late fees and overdraft fees, and a minimum balance (that is usually $16) of $96. I immediately called and talked to someone. They told me that I made the online payment four minutes after the deadline, and even though they still credited the payment, they added late charges onto the card, which in turn overdrafted and created those fees. I asked since I have never had a late or overdraft fee, if they would waive them this one time. She said yes and credited the fees back. I specifically asked if it would be under the limit now, and she said yes and gave me the exact amount. I checked later that month and saw that it showed it being fixed.

I received a letter from Capitol One stating I was late 4 payments and owed them $103.19. I never opened an account or agreed to this credit line with them. I called them and spoke with a gentleman who said they could close the account and set the balance to zero. I asked how this account was opened in the first place and was transferred to a supervisor named Rob. He said he was not exactly sure how this account was opened but he said he was sure it was not by mail. He then told me he was not sure if he could set this account to a zero balance, but that he could close it. After some worried time waiting on the phone, Rob told me he had managed to zero this account but that I will have to call back after Tuesday (5 days from now) to close this account.

We're in an economic crisis and Capital One decides that it's a good time to raise our interest rates by 9 percent! Sheesh! Now, monthly payments are so much more. In turn, that puts us over the limit, to which they charge $39.00 for, only adding to the bill which looks like it will never get paid! Why is this allowed? It's ridiculous! We cannot afford this!

I have a $2,000 limit on my credit card. I was at $2,044 and charged over the limit fee. They told me my minimum payment is $62. So last month, I paid $100. This month, my statement says I am over the limit again and my balance went up more. What they don't take into account in their minimum payment is the recurring finance charges or payment protecting they pressure you into having. So I did some math: $2,044 balance - $62 paid = $1,982, which should be new total. But what they don't tell you and they don't add in are the recurring charges. That $1,982 balance gets a $39 finance charge with a new total of $2,021, which is over my limit and I get another over limit charge. This has happened for several months, I just now got wise to it. My balance keeps going up without me even spending a dime.

I had a floor installed incorrectly and had to replace, so I disputed the charges. This started in October 2008. I was the merchant and I sent documentation over several months and finally, 1/22/09, I received a letter telling me the charges would be credited to my account and the merchant had another 45 days to resubmit and to hold all documentation for 90 days. When the 90 days had passed and the charges had not been re-billed, I believed the letter that this was finally over. No, they re-billed again after the deadline. I called the disputes department. They said this was a mistake and a credit would be issued. The charges are still on my account and the disputes department tells me something different every time I call. I have repeatedly requested that I receive notification in writing of the results of this dispute and to date, have received nothing while these charges remain on my account.

This is really about the 50th time I have contacted them for hardship relief and have received nothing from them in any form of assistance or help. The following is a message about the account balance, dated October 06, 2009 at 05:23 PM:

I noticed my payment and finance charges assessed skyrocketed in June. I sent a message via online and was advised a change in terms had gone in effect. I had not received this. They said they resent it, I did not get it. I asked them again and they sent it out yet again. I finally got it today (this has been going on since June), today is 10/5. They refused to let me opt out, saying they sent notification in February. It is my post office's fault for not delivering it and I can contact them to complain. Sasha refused to transfer me to a supervisor or manager. Apparently, no one else is higher than her when wanting to handle your account. She said I could fax or mail a letter to general correspondence only, no other alternative.

On August 25, 2009, I received a letter from Capital One stating "We've recently received a credit(s) to your closed account. We validated this transaction and posted it to your account. You will begin receiving statements showing the amount that was credited. Please don't use your card as any future transactions will be declined. Any remaining credit balance will be sent to you after two statement cycles. Your account will fully close on the first statement showing a zero balance with no pending transactions. If you have questions, please give us a call at 1-800-955-7070. Our Customer Service Representatives are available 24 hours a day, 7 days a week."

To begin with, I had my account with Capital One for five years and have never once made a late payment. In the beginning of April 2009, I received an offer from Capital One to transfer balances to my card ending in **. The offer, which is underlined (I have all documentation) states: "Enjoy a low fixed 0% APR for the life of the transferred balances." It also stated, "Your 0% APR is fixed for the life of the balance. It will never change." There was a transaction fee of either 3% or $50, whichever is less. I quickly took advantage of this offer and sent the check in via regular postal mail in the amount of $2,600 to pay off another account.

The global economic crisis has had a devastating impact on my consulting income. Most of my creditors have been understanding and helpful. Capital One, however, has been aggressive, insulting, and harassing. I get phone calls up to three times a day from early morning until late evening. There are continued calls on Sunday when I have asked for no Sunday calls. They are questioning my ethics, reading to me from my credit bureau information and making statements about my financial history that are incorrect, totally ignoring information I have shared with them about current personal health issues. If I do not return every call, I am admonished for ignoring them or accused on avoiding tactics.

In October 2007, we traded in our car for a Trail Blazer. We didn't notice the interest rate or the total amount financed. We are now paying 550 dollars a month for five years which comes out to over 24,000 dollars on a truck that barely books for 9000 dollars. My husband then got laid off and we have had trouble making payments and they refuse to work with us. They refuse to refinance, and the way that they have killed our credit between the truck and the way they keep putting different charges on our credit card, we have horrible credit and can't get ahead.

I have a personal loan with Capital One that I took out in 2007. At the time, I was getting paid well at a mortgage company and had no issues paying my bills. Well, due to the mortgage business imploding, I was laid off and took a lesser paying job. I called asking if there was some way they could lower my payment, even if it was lengthening the term so they would not lose any money. I was told twice that due to the "current economic conditions", they would not do anything but let me skip one month. I explained that due to the current economic conditions, I was in need of some help. Again, I was told flat out they will not budge, leaving me the option of paying or not paying.

I was nailed with late fees on the day my bill was due. It was in the amount of 30 dollars. Once late fees were removed, first, there was nothing left to pay the payment. I called and was blown off as they kept charging late fees. I refused to pay. They wouldn't stop the card. It totaled over $1000 and was turned over for collections where their hired guns killed my credit and forced me to pay.

My interest rate was hiked up from 8.99% to 12.90% in March. I reluctantly agreed to continue using the account. Apparently, they sent another hike notice to me (which I never received) in June to raise my rates again to 22.90%. Now, I'm screwed and my finance charges doubled on my balance. This is unbelievable, and there's nothing that I can do. It's white-collar crime at its best.

After being a customer for 9 years on his Capital One account, my husband and I were getting ready to pay off the account this year (we're getting rid of all credit debt). When he called, he found out his account had been "closed". Upon calling, he was told that when he was called about the interest rate hike to 18%, he declined and asked for his account to be closed. This conversation never happened. They insist they have some sort of voice recognition software which is really sounding fishy to me.

They increased my interest rate without notification. They claimed they mailed a notice, but I would have remembered a 5% increase in the APR. Amy and her senior supervisor said it's due to economic times and could not lower my rate back to where it was. I'm a 9-year card holder with no late payments.

I was put on Social Security Disability over 1-1/2 years ago, due to epilepsy. I informed Capital One, at the onset of disability. They were willing to work with me on payments. I now have someone who takes care of financial matters for me. Now, over a year later, an agent of Capital One contacted me to inform me that I always had "Payment Protection," at a charge of $69 per month. Capital One sent me forms to fill out, and sent to "Payment Protection". My claim was denied, because it was over 12 months, since I became disabled. Severe economic strain has been placed on my shoulders. They have a "Don't ask, don't tell policy!"

I reported a dispute with Verizon and sent paperwork, but they charged my account anyway. I was charged $79 for a service I did not receive.

I reported a fraud charge on my card. Capital One agreed that the charges were funny, and they agreed to remove the associated charges and that they would follow up with me if there was an issue. Weeks later, I received a letter claiming I lied and that they have re-issued the charges. I have left 4 messages for the fraud investigator, and she will not return my call. I cannot speak to a supervisor, and after speaking to a customer service person named Kim, she told me the charges were several hundreds of dollars in gas on the same day mostly. Customer service will not allow me or offer a proof, and the fraud people have not called and will not offer any reason.

This credit card company is robbing everyone. They add $39.00 over-the-limit fees for their own finance charges, even if you pay $100.00 a month; and the minimum payment is $15.00. No one will work with you, and it is almost like they do not want you to get paid up. They just keep raising the interest rate and fees, so you can't get ahead.

I am writing to you about my problem with Capital One Bank. Up until August 2009, everything was fine. They changed their policy against their credit card. For example, I made a purchase of $16.95 for my pet insurance. This is the only way the company would accept payment. Against that $16.95, Capital One charged me a finance charge of $72.22. This is 4.26 times the amount of only $16.95. This is outrageous and unacceptable to me and I notified the company on this.

I just got my Capital One statement. I was never late, always paid more than minimum, with high credit score, and loyal! My reward is my 4.99% interest rate jacked to 13.99% They can't (won't) do anything about it! As a professional adviser, my advice is pay off, do not use, do not cancel, and tell everyone you know that Capital One sucks!

I just got a check in the mail from this outfit. I have no idea who they are and have never done business with them. There is no explanation for the check and the stub looks like a standard issue corporate check with an invoice number and vendor number. At first, I thought it was some sort of mistake and my name and address was plugged into this vendor's address record. But after thinking about it, I began to get suspicious and fear that it's a scam. So, does anyone have any experiences, ideas, advice? Thanks in advance.

I am one of Capital One's very, very unhappy customers. I discovered that I had an increase of 10% on my interest rate this month which apparently had occurred in June, according to the representative that I spoke to. My credit score is over 800. I have been a Capital One customer for many years, never missed a payment. My interest rate went to 15.9% and the representative said that was the best that they could do for me. I promptly transferred my balance to another card and plan to never do business with Capital One again. Why would a consumer want to do business with a company who rewards their best customers in this way?

For the past two months in a row, Capital One has been charging me an "over limit fee" on my credit card when it is not over the limit. Last month, the charge was $35 and this month, it was $39. Both times, I have contacted them and demanded a credit. I have received my credits but am now forced to watch my statements like a hawk! I feel like they are doing this just to see what they can get away with! Well, not on my watch!

Please read one of the letters that I have sent repeatedly to Capital One Platinum Master Card in regards to the unfair % rate increase that was imposed upon my account. I would appreciate anything that you could do to help me with this matter. Capital One, I again need to request that a customer service supervisor contact me in regards to the increase of interest that your company imposed upon me with no notification or choice to discuss the terms. I checked my balance in June as I realized that the monthly payment was larger than normal. That was when I found that you had raised my interest rate! I quickly called and was told by several individuals who I could barely understand that because I did not contact your company by the date specified in a notice change (that I was never sent) to choose not to have my rate raised, that they just raised my rate by 8%?

I canceled my Capital One card over 6 months ago via telephone. Unfortunately, I discarded the paper with the person's name that I spoke with but felt sure it had been closed as I had not received any statements from them in months. Then on Sept 4, 2009 a package was ordered on this card in my name and to be delivered to my home.

I am very angry with your company! I had spoken to Alton. I was very angry when I was transferred to him as an account manager! He had no customer service and was rude. I asked him to take off the membership fee, which was charged to my account in the amount of $59.00. He said he could not do that! I said that I have not once received that fee and if that were the case, I would close my account! He said this year because of the economy, y'all would be charging!

Like many others on this site, I did not receive their alleged May 2009 change in terms notice. Here is a copy of the letter I sent to the US Comptroller of Currency in a formal complaint (I suggest everyone else that did not receive the May notice also do the same). Let me preface by saying I have perfect credit and have never been late on a payment. "On my 8/25/09 billing statement, my interest rate was increased to 22.90% from 16.44%. I called to see why this had occurred. I spoke with three representatives at this company (the first two spoke broken English and the connection was very bad). The last one (Jamie, employee **) explained he was the last person I would be able to speak with. I was told the following between the three:

After having a Capital One credit card with a $500 limit, in 2006, I could no longer pay the minimum. Due to financial loss of income and the death of my mother, it made my financial situation difficult. Since they would never allow a person to go over the credit limit, in Jan 2006, it was a $435. Then in the fall, after checking my credit report and not receiving any statement, the balance was at $700. I moved to a new address and have not received anything from them until now.

In November 2008, I noticed that there were some charges on my card that were not mine. I called Capital One, and they were great. They canceled the card and refunded all of the charges. They canceled the card and reissued a new one, which I never received. I didn't mind since I wasn't planning on using the card. I did a special promotion for no interest for 18 months. My only goal was to pay the card off in 18 months, so I wasn't using it. But again in February 2009, I found more charges that were on the new account.

My husband was laid off, and we were not able to make the minimum payments. We did try and make a $25 payment each month to show our good faith in paying our bill. Soon, the account was over the limit, and we were charged a $39 overlimit fee, and a $39 late fee, plus interest. I called and tried to work out a payment plan. Our other credit cards worked out a payment plan with us and stopped the late fees. Capital One stated I could pay $102 per month, and after three months, our account would be current. I assumed this meant the late fees would be stopped. I checked the next bill, and they had charged $78 in fees again. I called, asking what happened. I thought the fees would be stopped under the plan. No, we would just be "current". What good does that do us? They are charging us $108 per month in fees and interest, and are asking us to pay $102 per month!

I called to apply for a business card in the name of my entity, the Hollywood Film Chorale, to replace the Advanta Card I had in that name. Advanta has canceled all its accounts of this type. In May or June of this year, they have discontinued, not canceled for lack of payment, etc. I specifically explained that I needed a card in the name of the chorale. I was assured 4, 5, 6, 7 times that I could call back in 48 hours and add that name to the card. I clearly told the representative (and in follow-up calls) that I did not want or need another credit card unless it was in the name of the chorale.

I have been a Capital One member for about 7 years. For the past year, my family has gone through a financial crisis. I went through a foreclosure, and my car was repossessed. And now I am going through the burden of paying Capital One more than $500 in over the limit fees plus late fees, each of $35. I called on 09/23/2009 and explained to the agent that I would be paying the whole amount due which was $868.58.

On Capital One's credit card statement this month, I noticed the percentage rate jump from 7.9% to 17.9%. I contacted customer service and was told this rise was due to the current economic climate. My credit score is in the mid-700s, and I have a great payment history for the past 6 years. I was also informed that notification was sent in June 2009. If I got it, I never read it. I would have had the option to close the account at the lower rate and continue making payments. I questioned if closing the account would have a negative effect on my credit rating. The supervisor was no help. She suggested I transfer the balance to an account with a lower rate. It's just very hard to take after all that has happened with the banks being bailed out with taxpayers' money, and now, I'm being hit with a 10% rate increase. I'm extremely unhappy with Capital One! What's in your wallet?

In the month on March, I started to go to a hardship with my financials. By May, I was late on payment or not paying the bills. I called the credit card companies and I explained my situation. All of them offered me to lower my APR with minimum payments. I called Capital One where I have two credit cards. On the first credit card, I was told they couldn't do anything for me for I had late fees. So there was no offer for me at the moment but if I brought my balance up to date, they would be able to lower my interest rate. I was disappointed but I said okay. I told him I had another credit card with them. He said I need to call back for that was part of his department. I called the Credit Card Protection Plan that I had with that credit card. They said I need to be hospitalized in order for them to help me, so I told them I was going to call Capital One on my own to see I could work out something.

I have been a customer in good standing with Capital One since 2001. In their words, I'm "a valued customer." In April/May 2009, I received notice that my APR was changing. I had a 3.99% APR on a transfer balance. I phoned Capital One at the time and was told that the rate change would not affect this rate as it was a "special transfer rate." With that in mind, I set up automatic payments from my bank. I didn't want to worry about the payments while I was trying to pay the credit card down. In late June, they did change the rate, which changed my payment requirements. In my own stupidity, I was not watching my statements as I thought it was ok since it was on "auto-pay." I admit that this much is my fault.

The original promo of 0% from Capital One for 6 months started in January of 2009. Upon expiration in July, the rate would reflect 7.9%. Well, the day came and compared to the statement before it expired, the rate went from 7.9% to 17.9%. Proper disclosure was false whether it was a variable/Libor or fixed rate. I have the contract.

I signed up with them to get my credit back on track as I was starting over. I have had them for 5 years and never asked for anything from them until I noticed recently that my interest rate had moved up to 24% APR. I called and asked that it be lowered and they said that even though I had a perfect record with them and even made payments tripling my minimum payments for five years, their policy was to leave that interest rate at this high amount. She would not give me a legitimate reason for this, so I asked that my account be closed. All she wanted to do at this point was argue that my account won't really be closed until it is paid off. They have really bad customer service and this was one of their supervisors. Even if Congress does something about this company, I will recommend to everyone I know not to deal with them unless you like getting it stuck to you by a company that only cares about themselves and not the customer that is their business.

I have a Capital One credit card. I made payment arrangements for the month of September to pay $125.00. I sent it and then had to put a block on it, because I couldn't back it up with money. I am on disability and have limited income. I bought a used car that was a lemon, and it ate up my money and has me paying monthly $90.00. (It is now dead.) To me, this is huge; but I am trying to get back into the workplace and need it.

I was laid off recently, but was still managing to make all my payments. A few months back, I mistakenly paid only a portion of the amount due. It was an honest mistake, as I got two payments reversed. The mistake raised my interest rate from 5.99% to 24.99%. This was my first missed payment in the 6 years since I had the card. But according to Capital One's records, I had missed 2 payments last year and that this was a pattern of delinquency.

Capital One has called both me and my boyfriend everyday for the past month. They say we are both over the credit limit. When I take their advice and pay more than the minimum payment before the due date, sometimes even before I have even received a bill, it does nothing. I still get charged an over the limit fee and they still continue to harass me. It has gotten to the point where when I ask for their name and to speak with their supervisor, it normally results in them hanging up on me. I feel like I will never pay these people off. My boyfriend has lost his job. I only work 24 hours at minimum wage. I'm trapped and drowning and I cannot pay it off. It doesn't matter what I pay them. I still end up going over the credit limit and the calls will never end. They are rude, obnoxious, speak very little English, and have even called before 8 am every single day of the week including Saturdays and Sundays.

My interest rate was increased from 11.9% to 23.9% for no reason, except the one they gave me of the economic crisis. I have never been late and always pay more than my minimum. Capital One said they mailed out a notice, but I never received it. After talking to 6 different people, nothing was resolved; and they wouldn't change my rate back and close my account.

I called to make payment arrangements, and one gentleman told me it wouldn't make sense for me to make payments on a debt that continued to accrue late fees. I might as well take that money and buy food with it. Even after I mentioned to him "I am trying to contact you all to make payment arrangements," he went on to say "I'm not going to take $30-$35 a month from you because it wouldn't make sense." "I asked if you all have any payment plans that can work for me, because all other 5 credit card companies I owe were willing to work with me," I replied.

I have been a customer of Capital One for years. I always paid my bills on time and always in excess of the minimum payments. Originally, I got sucked in by one of those 0% teaser rates. I knew my rate would go up a few points at some time in the future; however, I had no clue that this company would later, suddenly significantly increase my rate by 7 percent in a month.

We owe Capital One money for our vehicle loan. My husband lost his job and we are having a very difficult time paying our missed payments with them. They call all day long from 9 to 9 at night. They seldom leave messages. What really makes me mad is it is different phone numbers and area codes when they call. I have told them I can send half of the payment and they tell me that is not acceptable to them. I have to make a full payment. Can they do this?

We have been customers of Capital One for over 15 years. We have always paid our bill on time, have a 776 credit rating, and had a 9.9% interest rate on our account. Without any notice, Capital One raised our rate to 17.9% this summer. After calling customer service, we were transferred to **, who said that we were notified by mail in May (totally untrue) that the rate was increasing and that it was no reflection on our credit rating or payments.

I called Capital One tonight because we paid over $215 to them last month, in which my account had been over the limit for a long time. With the payment of $215, it put me under the limit to $984. My credit limit is $1,000. Anyways, it said that I had an available balance of $15.38 that I could use. Well, we made both payments on the 8th and 9th of September and the bill was not due till the 11th of September. I went and checked my Capital One account tonight, September 18th, and saw that they had charged me an over the limit fee on the 16th of September.

We have been customers of Capital One for over 15 years. We have always paid our bill on time, have a 780 credit rating and had a 9.9% interest rate on our account. Without any notice, Capital One raised our rate to 17.9% this summer. After calling customer service, we were transferred to ** who said that we were notified by mail in May (totally untrue), that the rate was increasing, and that it was no reflection on our credit rating or payments - do you think? We asked for our payoff amount and will not be using this card any longer. How ridiculous for this company, who is laying off employees and closing various offices, to do this to their good customers!

I transferred about $4500 into a Capital One credit card account at 1.9% in February 2009. They have reneged on the deal this month, bumping my rate up to 17.9% for no apparent reason. I called to find out what happened - apparently, they sent an opt out notice, which I did not receive, or did not read carefully enough. I had no reason to read a change of terms notice because I assumed that they could not change terms on a balance transfer deal, and where I do not have such deals, I pay off my cards monthly. When I told the call center supervisor that I would like to then opt out, he told me that I couldn't - that the deadline had passed - and refused to bump me up the chain to somebody who could authorize my opt out. Isn't this illegal? How can a business change terms on a done deal?

They have called me repeatedly, including before 8AM central standard time. They promised a deal if I pay more than my minimum monthly payment and pay it before my payment is due, sometimes even before I've received a bill from them in the mail. They are insistent, thinking that I'll eventually give in; and they have bordered on becoming rude with both me and my husband.

I received a call from a (female) Capital One representative on August 8, 2009 at 11:48 a.m. regarding my account. The agent said that my account was over the limit by $250.79 and past due. I told the rep. that my account never goes past due and I'm over the limit because of a dispute that was reversed, against my favor. The rep. said that she can go ahead and make the payment with the bank account already on file. I responded, "I will make the payment by the due date and no sooner. I do not want to make a payment today and do not call me again regarding a payment unless the account falls past due!" Then, I hung up the phone.

I closed my account with them back in March. I have a balance, but I closed the account so that no purchase could be made and I could just pay it off. Well, they told me that I am to pay the balance and the fees that come along with an active account until the balance is paid. I have been charged a membership fee for a closed account. How am I a member? In addition to the finance charges, late fees will be added. I was also told that the card can still be used for purchases until the balance is paid. How can you pay them off if they keep adding fees to your "closed" account, and how can they not close your account upon your request.

I was late on a few payments, and my Capital One card raised my rate to 29.4%. I complained to them about it, but they would not lower my rate. I lost a close friend who was paying rent, about which I told them. They did not care. I even threatened to claim bankruptcy, but they said it's a long process and that it would not be in my best interest. They only care about you paying their interest rate. They have no feelings and have no remorse for your situation. When you are down in your luck and are having a hard time paying your bill on time, they just raise it higher to make it almost impossible to pay.

I received August billing with a "big jump" in the rate. It went from 9.99% to 17.90%. No notice of rate change was ever sent to me! I called and asked to change my rate back to what it was. She said that would be impossible, and I told her that I always pay twice monthly and way over my minimum payment. Still, she said it was impossible. I asked to speak to a representative and got same thing. I asked to close my account and was given a payoff of $3388.82, which was good until August 31! I paid it off on August 21! I received September billing and have a new balance of $23.59. It is a finance charge. I do not understand why I owe anything! I paid it off before August 31.

It is so hard to make online payment, and when I finally did it, they never called me to tell me that the account from my bank was wrong. Also, if I send my bill by mail, they said that they didn't got the payment on time. I live in San Diego, California, and the payment center is in the City of Industry, CA. I send my bill 9 or 10 days early, and they didn't get it? I have other credit cards that I pay by mail, and they get it 2 to 3 days later, same city or other states. I am not happy with the payment service or payment online. I think they just want to charge late fees.

The interest rate on my Capital One Visa card was raised from 10.76% to 17.90% in May 2009. Contacting service representative Ashley at Capital One, I was informed that a letter was mailed to me prior to the change asking if I would like to "opt out" of the increased financed charge. I explained that if I had received such a letter, it is obvious that I would have opted out (not being in the habit of paying extra interest for no apparent reason). I asked to speak to a supervisor. Myrian said that there was nothing she could do for me because I missed the May 16, 2009 deadline. I asked for an address to lodge a complaint against this unfair and unethical business practice. She refused to give me one; instead, she said that her supervisor could give me a call back.

In 12/2007, husband had invasive spinal surgery, was disabled 4 months. One month post operative and still disabled, he was terminated from his employment. I was the only one working with no income. Our retirement is totally depleted. We used credit cards to buy food, fuel and pay bills as all my wages went to the mortgage. I made an effort to try and meet financial obligations.

5 years and one late payment. I missed my due date by a few days in August, because my wife lost her job and my rate as of May 2009 was 7.9%, which is now 29.4%. I called them several times, and they refused to help lower the interest to a reasonable rate so I could afford the payment. I explained that if they did not lower, I could not afford the payment. No one seemed to care. This is unfair practice, and people should stop using this company. Someone needs to sue this company, and if they do, please contact me to join.

The APR on my Capital One account went from 19% to 29% in May. Capital One said they had sent me a notice in the mail advising me to opt out by calling before an April deadline, which would require me to close my account or the APR would increase; however, I did not receive the notice. After writing to them, all I received was a generic "Change of Terms" notice with the last digits of my account typed on it. I never received the original. I called and wrote to them. Their answer was "Too bad. We gave you a deadline."

Around August 25 and 26 this year, I detected two significant errors on Capital One's online banking system compared to my own records. Capital One had processed a scheduled online bill payment (from Capital One checking to Capital One MC) correctly on the 25th but then repeated the transaction again on the 26th. The system error resulted in an overpayment to the MC (negative balance), since the initial online payment had been for the entire balance due. This was obviously a banking error, since their online MC payment page prevents a payment to be processed if the amount entered by the user would cause the balance to go that far negative.

I paid my credit card bill on 9/11. When reviewing my statement, I saw that a $39 membership fee was billed to my account. I have been a member for at least 5 years and never had one of these fees attached. I am never late and pay my balance every year. My credit limit is $2,250. When I first opened my account years ago, it was only $500. I am not in poor standing with this company. I have always made an effort in paying them more than my minimum payment and I am never late or over the limit. I emailed them and they said the $39 annual fee is being imposed on my account to help offset some of the costs in maintaining my account.

I have two credit cards with Capital One. I pay $86 on one card and $42 on the other card which are the minimum payments. Every time I make the minimum payment, they charge me an over the limit fee, due to the finance charges. Why do they even ask you to pay the minimum if it's not enough money in the beginning. I can only afford to pay the minimum. I make my payments on time every month, but I think it is really unfair that the finance charges is sending me over the limit every month and the over limit fee is $39. I don't even use the card.

I have had a Capital One card for years, and I have always been a good customer. I pay my bills on time and over the minimum. In May, my interest went up from 11.25% to 17.9%. I was not happy and told them so through email. They kept giving me the runaround about the terms that had changed. I said why. No one would give me a straight answer. They obviously have a pat answer message that they mark to send you. Finally, they told me they could not deal with me through email and I would have to call Customer Service. Well, that was pretty inconvenient, but I called.

Capital One submitted my account to AllianceOne for collection, and I need Capital One to provide me with a breakdown of the charges incurred, since I made online payments and had entered into a hardship agreement, in which I was not to incur new and additional charges. The balance from February to current increased instead of decreased with a missed payment in July 2009.

Capital One, I'll tell you what's in my wallet. A snake is - a Capital One snake. In May 2009, my rate was 7.9%. Now after payments arriving to Capital One never more than 5 days after the due dates, they have hiked my rate to a usurious 29.4%! If I could dump them, I would and will work to pay them off one way or another. But if you can, get rid of these thieves asap!

On Jan. 22 of this year, I purchased a Canon lens. I was expecting the item to be shipped to me in 3-7 days. I called the company and they told me that they do not have the item in stock and don't know when they will receive it. I canceled my order and my credit card was credited back to my Capital One card for $1,049.99. That was in February. Four months ago by, no letters at all. In the month of June on my statement, there was a recharge of $1049.99. I called Capital One and they told me that there was an error in the way it was processed. They assured me that my account will be adjusted.

My August statement came, and my APR shot up from 7.9% to 17.9%. When I called, they claimed that they informed me via mail that this was going to happen and I was given the option to opt out. However, I never received anything. My email is also listed, and I never received any notice via email. They claim that it's a variable rate, and the manager said there was absolutely nothing I could do about it. She was also very rude.

In early July, I received a letter from Capital One dated June 25, 2009 concerning my flood insurance on my second mortgage. It stated that they had not received a response to their previous request for a flood insurance policy or proof that my property was not located in a Special Flood Hazard Area and that they were going to charge me $15,596 for flood insurance. I already have flood insurance for my home at a cost of $298.00. I didn't recall receiving a previous request, but I may have. I called the number on the letter and asked to speak to the person who wrote me the letter. They had no record of the person. After explaining what the letter was about, they gave me a fax number to fax the information. I contacted my State Farm agent, who took care of this right away.

In September of 2008, I was making payments of $150 to $250 each month, but my balance would never go down and I was being charged late fees and overlimit fees. After a few months, I got tired of the balance not going down at all, so I called Capital One Bank to see why this was happening. They told me that I just needed to pay more. Well, I was already paying twice what the minimum payment was and I said that that is not the solution. I said to them that they needed to start working with me because I am not going to be able to keep paying that much.

I missed my July payment by mistake. I thought I had made the payment online. I received my August statement and the amount due was much higher than my normal payment and it was due by August 31, 2009. About 2 weeks later, I received a notice from NCO Financial Systems stating my account had been placed with them for collection. I have received no prior notice from Capital One that I had missed my payment or that my account was being placed with a collection company. I made my payment to Capital One by August 31 and I have received another notice from NCO again asking for the full amount due but still nothing from Capital One.

I just got a new cell number and they have been trying to collect a debt from the previous owner of my new number. They call 10 times a day, 7 days a week. I then called them back and told them that I just got this new number and told me they would delete my number from their system. I still get calls and hasn't stopped. I get charged on my airtime on the cell phone, wake me up as early as 8AM, I work nights.

My son and I had a credit card each for the business of T&D Enterprices, LLC. We made the payments and thought we had them paid off. We just received a letter of collections from one of the attorney they use here in Louisville. It stated that we owe them almost five thousand dollars - two thousand dollars in-so called balance due and over two thousand in interest. The account was charged off in 2006. If we owed them any money before that time, they have called us in years about the bill or sent us any letter. I have asked the collections people to show proof that we owe the money.

My credit card rate went from 7.9% to 17.9%, due to their economic hardship. Never late, excellent credit score. I'm paying off the balance and cancelling the card.

I paid off my account balance of $251.00 with a money order in 2002 to a third-party company representing Capital One. In pulling a credit report to purchase a large item, there was a balance showing $1500.00. The card limit was $400.00. I closed the card after paying the $251.00. When I inquired to Capital One, they said that it was accrued interest charges from 2002 on a late payment charge and that my account was not closed because of the charge $27.00, which accrued interest. I asked in June for a media report of all charges and transactions from 2001 to 2004. This company has prevented me from getting an automobile I desperately need. There should be a class action brought against them for fraud.

I received a statement from Capital One saying I owed a payment of $76. My usual payment due is about $15. I found out my payment for July did not post in time (I went on vacation and set my bank up to auto pay it, but it posted late). Capital One charged me a late fee, which put me over my limit by $2, so they charged me a $29 over the limit fee. When I contacted Capital One, the rep told me since I was a faithful paying customer, he would remove the over the limit fee from my bill. I sent in a payment of $50 ($76 - $29 = $47). I also canceled my account at the same time because they sent me a notice that my rates were increasing.

I paid off the balance on my Capital One credit card account in the amount of $2185.09 on August 8, 2009. On August 28, 2009, I received another bill for the amount of $27.85. I called Capital One to see if they could explain why there was still a balance on this account, even though I did not make any purchase. They refused to give me an explanation as to why I owe this amount, $27.85.

Capital One has business loans on our property. When we went to renew, they put in a 6% floor rate, though our prior rate was 2.5% because of the drop in variable interest rates. That's ok. What isn't ok is that they want retroactive interest dating back to the last months of 2008 when we had a technical default due to the Master Lender being in bankruptcy court. Even though we did not miss a payment, Capital One sees it fit to impose a retroactive interest penalty of the difference between the 2 rates for the past 10 months. Why? Because they can.

On April 28, 2009, I attempted an online purchase with Southwest Air for two airline tickets. When it was clear to me that my online transaction would only allow me to purchase one ticket, I quickly canceled my transaction and started over from the beginning, intending to purchase two tickets, which I did successfully this time. The day my father and I went to fly, I was handed three airline tickets (two in my father's name) for the same destination. When I tried to rectify the matter with Southwest, they referenced their strict no refund policy and so I turned to my credit card company who initially explained to me that they have received many complaints from customers who were billed for unintended purchases by the airline industry and that Capital One was ready to help.

I am extremely disappointed in the phone customer support I have received from your establishment. I have been trying to do one thing for 3 months and that is trying to change my payment due date. Originally, back in July, I received a paper to change the due date; I signed and faxed those papers back. I thought all was well. I was wrong. All I want to do is schedule my payment for the 6th of the month again, the fee for rescheduling is $35 which was waived. However, now, it's not, because I missed the 15-day time window. I did not. In addition, I now have a late charge assessed to payment which there should not be. This being said, I would like late charges and a rescheduling fee be waived. I don't think this is too much to ask seeing as the phone support has been unhelpful in my issue.

Capital One stole $250 from my savings account making it go overdraft. They promised that the money would be put back within 5 business days, but it still has not. I called back and the rep that I spoke to gave me incorrect information and transferred me to payment investigations where I was told that it would be in my account within the next few days and that I needed to fax more information in to gain credit for the charges that are occurring daily.

We had a credit card with Capital One. We made our payments on time every month for the two years we had the card. Recently, we were 2 days late on paying the card (the due date changed without notice) and had a late fee. We requested CO to waive the fee, and they refused. They then stacked an over-the-limit fee on top of it. Every month, I have continued to pay CO what they request on the due date, and they have continued to charge an over-the-limit fee monthly because after my payment, they add interest and put it back over the limit. Now, I'm over $200 over the limit and unable to get it back down. They refused to help. I don't have time to spend on the phone with them, and they give me generic e-mail responses saying they can't help when I asked for aid.

I have sent in requests to have my account closed twice to the address above. I have no balance on my card. They continue to send me a bill for the annual renewal fee and add late charges to it when I do not pay. When I called them, they told me that I could not close my account in writing, that I should have called them. However, on the back of my statement, it states that you can close your account in writing. When I finally did call them, I was told that they would close my account, but couldn't do anything about the annual fee or late fees because it was over 30 days. I have finally paid $74.00 just to keep the fees from mounting and to get the account closed. But if it is common practice to not acknowledge written requests for closure of accounts and still charge the annual fee and late charges, I think that is something that requires investigation.

My August 2009 account interest rate increased to 22% from 12% previously. I called them to discuss the increase and they called it a business decision to adjust for economic times. Payments were on time and my credit score recently increased. No other reason provided, except a letter was sent in May that expired July 28 for me to decline the increase. I never saw the letter. If I had, I'd decline the increase. They would have frozen the account until the balance was zero. Now I am saddled with a 22% interest rate until the account is paid.

Money is coming up missing out of my account. They have another Glenn ** in the same area. They gave me a different account number and said that it was a mistake and $600 were taken out of my account on July 3 and it was on July 14 that the money came up missing. No one had seen a check for it.

I signed an agreement of a fixed interest rate for a balance transfer of 2.41% in May. I got my July bill and they increased my rate to 9.90% and increased my minimum payment by $45. When I called and, of course, I got India, they said they sent a letter out to me telling me that they are increasing my rate. How can a company, after a written agreement, just decide it is okay to increase the rate at their whim. Didn't these companies get enough from my taxes with the bail out? Isn't this against the law? Who is going to stand up for us?

I have to file bankruptcy on a business transaction that went bad. The bankruptcy only listed the business and attorneys (three years worth of legal proceedings). I advised Capital One that they and no other credit cards are listed yet. They assured me as long as they were not listed, I could maintain my card and continue in good standing! Then they canceled my card after they were advised and sent documents of my filing! How can they pull my card when they are not listed in the bankruptcy?

I contacted Capital One on June 16, 2009 about enrolling into a hardship payment plan due to financial issues. I was guaranteed a plan involving a reduction in APR, from 23.99% to 4.99% for 6 months and waived late fees. This guarantee was put in writing by Capital One in their letterhead mailed to my home. After 2 months, I did not receive a reduction in APR. I called. One representative told me there was nothing in my notes on my account to show this, despite my insistence that I have a letter from them that I was willing to fax over. I was told to call back in 2 days so they could investigate. I called back and the other representative told me whoever enrolled me in the program shouldn't have as my account was past due when I called on June 16. I told her I have a letter from them accepting me into the program. It didn't matter. I'm very irate. I don't know what to do.

On June 19, 2009, I made a payment on my Capital One account. I pay online once a month with no other authorization for them to take any more out of my account till I make my next payment. Well, 2 days later, they took $658.57 out of my checking account which was only $9.00 less than the balance on my credit card. Then within a matter of a few days, 3 online sites I never heard of took from $81.00 to $87.00 each. My only income is my social security check and I have no savings or other resources. These debits on my checking account left me severely overdrawn with overdraft fees, and daily $8.00 fee on each debit. I called Capital One and they agreed to put the withdrawal back on my account within 10 days.

My wife went to the ATM machine and deposited $480. Two days after I checked our account, I found out that it was over drafted by $496 and we were only credited $20. We went into the bank to see what had happened to our money. The first employee told us our money may have flown out the ATM after my wife drove off. So, I asked her if there was a camera back there and they told me no, which is a lie, because I went back there and checked, and there is a camera back there. She went on telling us that there is no way we are going to get our money back. Then, another employee came over and told us there were two of them including her that went out and counted all the deposits. Then the manager, Patricia **, told us it was three of them, which is really not making much sense to me because somebody is lying. I need help in resolving this matter because this has already starting to damage my family financially and emotionally.

My wife went to the ATM and deposited $480. Two days after, I checked our account. I found out that it was overdrafted by $496 and we were only credited $20. We went into the bank to see what had happened to our money. The first employee told us our money may have flown out the ATM after my wife drove off. So I asked her if there was a camera back there and she told me no, which is a lie because I went back there and checked and there is a camera back there. She went on telling us that there is no way we are going to get our money back. Then another employee came over and told us there were two of them including her that went out and counted all the deposits. Then the manager, Patricia **, told us it was three of them, which is really not making much sense to me because somebody is lying. I need help in resolving this matter because this has already started to damage my family financially and emotionally.

I have had three unsecured loans with Capital One and a credit card for over 12 years and have had an excellent payment history with them. At the present time, I have an unsecured loan and a credit card balance that together have a $600 a month payment. I had my salary cut in May and made cuts and continued to make the payment but just found out I am having my hours cut.

We encountered fraudulent charges on our credit card from a business. When we called Capital One to have them not only remove the charges but to block any further charge from that company (There have been 2 separate occasions.), we were told that they could not do that! I called MasterCard, and they said it is done all the time. So, Capital One said that if that company charges my account again, I would have to dispute again and again. All I want is for there to be a block for any further charge from that company!

Last November (2008), I mailed a $300.00 payment to Capital One. This amount was over the minimum amount required. A couple weeks later, I had my card refused from automated charges (i.e. cable, internet service, etc.). When I called Capital One, I was just told my account was past due. Thinking the check must have been lost in the mail, I immediately went online and paid $500.00 to bring my account up-to-date, thinking I would then try to find out where my $300.00 check was later. It wasn't until I balanced my checking account three and one half weeks later that I realized that Capital One had cashed my $300.00 check for $3.00, leaving my account in arrears. I immediately called them, explained the error they had made and requested they credit my account for the late fee, which they did on the next statement. I also found on the next statement that they had raised my interest rate to 23.15% from 5.1%.

They raised my interest rate from 9.9% to 17.9%. They raised the cash advance rate from 9.9% to 24.9%. I have been with them since 1999. I have an excellent credit rating, have never ever been in the arrears on my account. I feel I have been discriminated by Capital One. If you go on their website, they offer lower rates for new customers. I have these same cards and excellent credit. I could understand the rates going up if I was in arrears on this account. But when you offer rates lower for your new customers, it might also be called a bait and switch. This practice should not be able to go on.

I received my August Capital One statement and noticed that my interest rate had been increased from 7.9% to 17.9%. I phoned Capital One and asked the customer service rep why it was increased. He stated that a notice was mailed in May 2009 to inform about the rate changes. The changes were due to the recession. He transferred me to the accounting supervisor who basically told me the same thing.

I have excellent credit. I entered one large and one small amount from two different companies for Balance Transfer. The internet said they went through. It looked like they were approved and I thought I had nothing to worry about. Wrong! The next day, I phoned and asked about my Balance Transfers, just to make sure. To my surprise, they told me that my credit card approval was a low figure. It just did cover the little transfer. I asked about the larger transfer and they informed me that it did not go through.

I had an account with Capital One seven years ago. The account was closed and the date was verified when the negative information should be removed from my credit file. The information was deleted based on the FCRA laws. After the information was deleted from my credit file per FCRA Law, they reaged the dates and reported this information after the seven years. Capital One customer service was not helpful at all. They can be reported to the Federal Trade Commission. They continue to violate the consumer’s rights, which is against the law. This fraudulent activity by Capital One has had a negative impact on my credit. My credit score plunged and I was denied credit because of this.

I received a change in terms notice stating that my interest rate was increasing from 7.9% to 17.9% and I could opt out by calling. I did not opt out because my entire balance was a promotional balance to remain at 7.9% for the life of the loan. In the change in terms notice, it states: "Please note that this rate does not affect any special transfer, introductory or promotional rates unless or until they expire." That point led me to believe my 'promotional rate' of 7.9 for the life of the loan would not be affected.

I, like many others, have had 2 accounts with Capital One for many years. I have always made my payments but recently, I ran into the same problems that many others have encountered. Although I try to pay a little more than what is due, it's never enough. I was not over my limit, but their fees are what put me over it. They raised my interest to 24.53 one month, another month above 28%, etc. And of course, they charge the almighty over the limit fee that they caused. I called them and advised them of this and got nowhere with them. I advised them that I was going and have been going through financial hardship and they could care less. So, I told them to close my account, which they did and I advised them that I would not make any further payments because they are a bunch of scam artists with a fancy name.

I received my August 2009 Capital One statement through the mail. As soon as I opened it, I saw that the payment due was doubled from last month. Knowing that I have never been late and have always paid more than minimum due, I went over my statement to find out what the problem was. I immediately realized that the lifetime 8.9% fixed APR that I had on my balance had went up to 17.9%. This meant that every time I paid $350.00 on my account, $200.00 of that went to finance charges up from the $97.00 previously. I called Capital One and after waiting for 40 minutes to speak to someone in the finance department, I was told basically that there was nothing I could do or say to get my APR lowered. Not even my tears from the frustration and my explaining that there was no way I could squeeze $100 more from my already over extended paycheck.

I have had a credit card with them for years with a large credit limit. I am in business as a real estate appraiser. They lowered my limit 75% of the original credit limit. No my business suffers bad. I use it for products, supplies, education, and anything for the business. I am in good standing with Capital One. I financed my house, my car, and my life with them; and they have shut off my credit lines to move forward. I think the only recourse the American people have is to shut them off and quit paying. I thinks that's in my future as I will have no choice.

I asked a young man a question about getting another card for my account and I had told him I had either lost the card I had or that someone stole it. At the time I lost my card, I had $150 in my account. He was very rude to me and he said if you're trying to get money, you can't. I just asked him if I could get another card. It had nothing to do with money. I am a college student and I had just gotten laid off work and was looking for another job. I told them that when I got the job, I would see if they had direct deposit but they didn't have it where I worked. Then, I got a letter saying that I owe the bank $840.25

My husband and I have had a Capital One credit card for many years and have always paid our account on time and more than the minimum payment. On my last statement, I discovered that they had jacked my rate on cash advances from 8.9% to 24.9%. When I called to question it, they thanked me for being a Platinum card member and told me that the rate increase was not due to anything that we had done. Keisha, agent ID #**, informed me that all their customers' rates were being increased. When I told her I wanted to close the account and wanted the rate to be changed back to 8.9%, she told me that this was impossible.

I was making my payments on time, more than what was due. I ended up making a payment too early and was credited to the previous billing cycle. They charged me a $39.00 late fee, then raised my 17 percent interest rate to 23 percent. I called and the initial agent I spoke with waived the late fee and transferred me to discuss the outrageous rate. Well, I was told there was no way it could be adjusted for a year. I told her, "In that case, I wanted to cancel my card." She cancelled my card and then read me a disclosure that even though my card was cancelled, I would still be charged my membership fee if the balance is not paid off in 30 days. Ridiculous! Then she told me if I had not cancelled my card, I could have called in to ask to have the membership fee be waived, but now I can't. So there, I guess they get you coming and going. How can they charge a membership fee on a cancelled card?

I called customer service to see why my APR increased from 9.90% to 17.90%. The operator I spoke with said, a letter was mailed to me in February with an explanation of the changes and had I received the letter, I would have had the option to keep my 9.90% rate if I closed my account. I informed him I did not get the letter and the reason for my phone call was in regards to my APR increase on my June statement (the first increase). I had asked to close my account because I was afraid that they might pull this same scam. So, I was transferred to Sam, Operator #**.

We purchased a car in December 2008. We had a loan with Capital One Finance. The car was in an accident in January 2009. Our insurance declared the car total and paid off what was owed. We were supposed to get a refund for the warranty. In August, one was sent on the 11th. We deposited the check, two days later it cleared. Six days after the check was sent, it was withdrawn from the account we deposited it to. We received no notification. We called Capital One the day after it happened, no one could give us a reason, just said it was a mistake after making two phone calls (the last one, we called them at 10:40am and now at 2:27pm still on).

I used my Capital One card to purchase a 30-day "free" supply of vitamins online, $.99. S&H, the company charged $87.13 instead of $.99. I received the product and called the company to stop future auto-shipping and billing. I saw the $87.13 on my CC bill and opened a dispute. They (Capital One) sent me forms to fill out for the dispute and removed the charge until dispute was resolved. I filled out the forms and sent them to Capital One the next morning. A few days later it was re-billed on my card. A letter arrived the next day from Capital One saying they had not received the forms for the dispute from me. I called and they reopened the dispute again, removing the charge again and resent the same forms, which I again filled out. I faxed to the number they provided and mailed them again.

I refinance my home in September 2006 just so that I could pay off Capital One. I had three accounts with them. Camelback Title and myself called Capital One on are about 09/08/06 and got a payoff total for each account. These checks were issued to me on 09/12/06. I mailed the checks to Capital One on 09/13/09. I called and requested that all three accounts be closed upon them receiving the checks.

Capital One allows charges and enables people to go over their limit as it suits them. One month, charges were stopped at my limit and the next, they allowed $500 then charging me a fee. When I questioned them about it, they said that they did not want to embarrass their customers and they referred to a $3.24 amount at Starbucks which was nothing in the scheme of things. They are raising their rates as they see fit and have now interest in assisting people to pay off their balances. Shame on Capital One!

I have an open line of credit with Capital One Auto Finance. My mother co-signed an auto loan for me to purchase a 2007 Toyota Corolla through Capital One in August 2007 from a dealership in Katy, Texas. I'm the spouse of an armed forces member, and we moved to San Diego in 2008. Capital One was great in working with me while I tried my best to make as many payments as I could while unemployed from March 2008-October 2008. Once I gained employment in October, I've had nothing but trouble with Capital One.

I paid my Capital One bill online. I am very good about paying; I don't want to mess up my credit anymore than the economy has already done. I haven't worked in over a year, so regretfully, I have been paying the minimum. I don't enter an amount; I just click on "pay minimum". Today, I got a notice in the mail stating I was a month behind. I knew I wasn't, so I called. I was told 2 months ago I paid $15 when in reality I owed $16. So a $39 fee was assessed. This happened again the next month even though I paid what I was told was the minimum!

I'd sent a $100.00 check to Capital One for payment. 30 days later, I realized the check had never been cashed. I called Capital One, and they stated it was returned for insufficient funds (which was impossible according to my account records). I called my bank, and they stated they have no record of that check number being presented for payment. In other words, Capital One never submitted the check for payment! Capital One refused to resend me the so-called bad check and charged me the NFS fee. They refused to speak to my bank regarding the issue.

On July 28, 2009, I contacted Capital One customer service for assistance with making payments. My daughter is having severe complications with her multiple sclerosis and has been in and out of the hospital with tests being performed on a weekly basis. I have been having to help pay for the majority of the cost of the resulting medical bills along with covering her own bills; therefore, I was unable to make my payment for July. On my July bill, there was a $39.00 membership fee added. In order to avoid over-the-limit fees, I would have needed to pay my minimum amount due of $22.00 plus $39.00. When I called on July 28th, I spoke with Edward in customer relations. I explained my situation to him and he told me not to worry, that they had a hardship program that they could place me on in order to keep my account in good standing.

My husband passed in August 2007. Until then, I had no idea that he had taken out a card in my name. My children found the statement on the day he passed, while they were trying to go through papers. I was in no shape to help them. Capital One called on my husband's cell phone that day, and my daughter and sons explained what had happened and if they would please give them time to go through things and to please not call until I was able to contact them. They continued to call all that day and every day. They called, as we were parking to go into my husband's memorial. I asked them to please leave me alone for a period, so that I could at least grieve without them hounding me. They continued to call and harass me.

I received my statements (I have two separate accounts, I'm sorry to say.), showing my APRs at 19% and 23%! They were 12% and 13.9% last month. When I called the "help" line, I was told that it was a government adjustment that they (Capital One) had no control over. The helpful representative then told me I had a great history with them and thanked me for being such a wonderful customer! She had one helpful suggestion: get another card elsewhere and pay Capital One off! That company must spend countless millions of dollars in advertising with their inane, non-stop television commercials trying to get new customers; and they are encouraging existing ones to leave. That's one curious business practice.

My daughter has a Capital One credit card. She paid her bill online and was 2 hours late for the "cut-off time." So as these people do, they charged her for being late, which put her over her limit; and so, they charged her again. It's approximately $80.00 total. So today, I started getting phone calls from this company a total of 7 (or 8) in one day! I told these people that my daughter did not live at my home, but they kept calling me anyway. Then they started calling my cell phone while I was at work! My daughter, in the meanwhile, had worked out her account with Capital One; but these phone calls kept coming until my daughter and myself called and asked how they got my home phone number and my cell phone number. They were also calling my son-in-law's mother on her cell phone. At this time, it was explained to my daughter that they had a program where they can associate names and numbers of family members. What the hell is this?

I have two complaints about Capital One. I had been very happy with them up until a few months ago. First, I had downloaded what was supposed to be an anti-spam program. The pop up kept appearing and it would freeze up the computer telling me I had a virus, click on MS Anti-Virus. They were pretending to be Microsoft. It took me an entire 3-day weekend to get that garbage off my computer. When I tried to contact them, I received no response. I called Capital One and explained what had happened. They cancelled my credit card, issued me a new one and assured me that charge would not appear on my statement. Well, it did. I wrote a letter and they refused to take off the charge. I called, they told me they would send me paperwork to fill out. Their paperwork asked for ridiculous things like an address of the company (the company doesn't exist), an opinion from a similar company (another fake company?).

Over the limit add-on fee, which is at present nearly three months into my billing which is creating mark on my account. I'm making monthly payments on time, as always. My account is not in default, but will be if this matter is not resolved soon. $39.00 per month, longstanding account with this corporation. It's now $184.01 in arrears. It will eventually ruin my good credit standing all because the company, instead of declining a charge, allowed it to go through for a few dollars over, in order to collect a double amount, over the limit fee. As I am the secondary cardholder on this account, my mother's I believe, this should be removed from the statement and return the billing to regular payments as before. This matter is subject to all consumers who have credit. Thank you.

I have had a loan from Capital One Credit Card since August 2007. This was a purchase that was to remain at 7.99% until the loan was paid off. This year the interest rate was raised to 17.9% for purchases. Since 2007, I have not made any further purchases on this card. Therefore, I assumed this raise in interest would not affect my situation. I have never been late and always paid more than the minimum payment to pay it off faster. I called the company and they absolutely refused to lower my rate back even though the original promotion was to maintain a 7.99% for the life of the loan.

They sent me a bill in August 2009, asking for $37.98 in late fees. When I called to find out why I was being charged late fees, they told me it was because I had been late 2/2008, 3/2009 and 4/2009. I asked why I was just now receiving this notice. The rep who was barely able to speak English repeated herself and accused me of being late back in 2004. I asked what that had to do with this, since I didn't even have this account with Capital One in 2004. Again, she refused to answer my question. I asked if my late fee could be waived, she refused. I asked for a supervisor. She said he had already told her no, therefore, he wouldn't change his mind. I tried to explain to her that in February 2008, I had asked for a deferment for that month, as I had been out of work, and had been trying to catch up. It took several months to get the deferment in place, but not before Capital One called and harassed me and then sent a letter, threatening to take my vehicle.

I did a balance transfer with Capital One and had asked when the rate will expire. I was told September 23rd, 2009 by 2 of their customer reps. Instead, I got charged for the finance fees on my remaining balance this month and they refused to remove the fee. I have always paid my card on time and I was shocked that they would not correct their mistakes, instead I had to pay for their errors. They absolutely refused. I just cancelled my card. Please be aware and always check your statements for those of you who carry their credit card.

I am very conscious about sending in my payments on time. Once I got a bill with a late fee and interest charged on the full amount (over $1,000), even though the bill acknowledged that the bill was paid in full, I called to inquire about this and they waived the late fee, but not the interest fee. They further stated that even though I paid my bills on time according to the due date on the bill, if they don't process the bill before that date, it will be considered late. They also said that you'd actually have to get your payment in a week to 10 days prior to the due date to ensure that it's processed in time. I told them this sounded like fraud to me, giving false information and she just said that is their policy.

While I really have zero to complain about, it is frustrating that they want you to use this service (i.e., online banking). When you try to state an issue, the page tells you that you need to tell the computer what you purchased. If it was a bogus charge, then you didn't purchase anything, but tell that to the web page. What ever happened to good old fashion service? No, you must do this or that. God forbid, we have a person to help you that would cost them money, a real live employee! In the future I'll just be like them when they call and act like a computer. They won't appreciate that, but tough (blank). I could care less.

I have purchased a new cell phone with a new cell phone number. Apparently, this cell number at some other time was assigned to someone else and presently it is my new cell phone number. I have repeatedly told the Capital One representatives that the cell number they are calling no longer belongs to the various persons they are inquiring about and please do not call the cell phone number since I get charged for the calls. They continue to call and I continue to repeat my story. But after today, I will hang up on them.

This is ridiculous. Is anyone fighting back? Well, I am. I don't want to expand the energy, but I'm at the point of hiring an attorney, although I really shouldn't really need one or even have to hassle with this situation that could have been simply and rightfully resolved. I just want to be sure things are done right by the letter of the law. Capital One totally botched a disputed charge investigation - meaning, inadequately investigated, if at all. This inadequacy is, apparently, something Capital One is known for in legal circles but apparently is allowed to continue. Of course, I was unaware of this at the time I was prey (noted invasion of credit report) and when I accepted their credit card offer, nor did I realize or ever dream of having to investigate a credit card company before accepting an offer.

I paid my July 2009 payment early - June 30 to be exact (which was a day too early). No payment was received in July. They froze the account and accessed a late fee. I called and they waived the late fee, but the account is still frozen until a payment is received. I paid them $300 in June plus $100 that was supposed to be my July payment. Minimum payment was $30. I don't think they want responsible consumers who pay off their accounts. I think they want poor folks they can gouge for every cent they can. There is no credit given on future payments for paying more than the minimum payment on past payments. This has increased my blood pressure 10 points.

I got a call six months ago stating that I was three months behind in my payments which was untrue. After three years of payments, we have tried for over six months to get it straight and have paid two payments each month for over four months, but they said we are still 73 days behind. We are so fed up until we don’t know what to do. Now they want to give us an extension and we are current, but we can’t talk to anyone in customer service, only in collections, so it can’t ever be resolved. They just gave me a hard time.

Last year, Sept. 2008, Hurricane Ike came through Houston, Texas and basically destroyed any and everything in its way. The government declared Houston and surrounding areas a disaster zone and stated on television that any payments, whether it's mortgage, credit cards, etc., give residents a two-month grace period with no payments due to the disaster. We spoke with a rep that stated they knew about what happened and would grant the grace period with no late payments showing and not report any negative information to credit agencies.

They sent me an application and pre-approval in the mail for a student card. They didn't even ask if I had a job or made any money. I sent the application, expecting to be denied and got a card in the mail with a $700.00 credit limit. That year, I made $1800.00 over 8 months. I had no idea that this was wrong. My mom told me they should have had a job section and income section on this application. Now, I have no job at all for over 1 year, and they are harassing me for money I don't have and never did.

On August 3, 2009, I sent an electronic payment to Capital One in the amount of $2,000 to be applied to my account. On August 8, 2009, I discovered I had sent it to the wrong credit card company; and knowing the due date was on the 10th of August, I immediately made payment over the phone for another $500 to this account. Then, I called the credit card company I had sent the payment to by mistake and requested my money be returned to me. They told me I would have to wait for it to clear the bank which would be at least 15 to 30 days before they could issue me a check. Then, I realized they are the same company but another credit card division.

They offered me a card at a credit card to transfer my balance. I agreed to do this. They approved then told me that the transfer was not taking place because they could give me a card with enough money, which is fine. But then they sent me a card I only agreed because I wanted a lower interest on the card I owe. This is a sneaky way to get you to take another card. Not only that, I was told if I canceled the card it hurts my credit rating, then if they can't do what they agreed they shouldn't send you a card. This should be illegal to not keep their word. They sent me a card for $1,000 and my balance transfer was $1,450. This is apparent, it’s their way of trying to exploit and cause a person to have more debt.

Without justification, Capital One raised my interest rate from 7.9 to 18% APR. I was told I could opt out and keep my balance at 7.9% till I paid it off. I called, trying to work out this problem, and was told I could close the account and opt out to pay off the balance at 7.9%, but then later I saw they raised my balance to 18% APR and I was not allowed to opt out because I didn't call a 1-800 number and follow their instructions. I was a day late in calling the number. I have been a customer for several years and never missed one payment. I always paid several hundred over the minimum payment. The customer reps (all from India) didn't offer any help and I was forced to spend all of my savings to pay off the balance. I am trying to get a business off the ground and had all my inventory on this card. There was no reason for Capital One to raise my rates. They said they needed to raise the APR because of tough economic times and they were suffering. So, why Richard Fairbanks did take home millions in bonuses last year?

I am seeking formal assistance through Consumer Affairs and any legal assistance that may be provided. Capital One understands that one individual will have many years of anguish trying to work though their system and will intimidate individuals into paying amounts they do not owe Capital One.

In March of 2008, we closed our accounts with Capital One, paying $377.00 plus $29.37 to cover any late fees. We sent a letter with the payment stating this and asking for our account to be closed. Now, we are receiving collection letters for MRS Associates Inc. It seems Capital never closed our account and is now asking for more money that we do not owe. The card is in my husband’s name, Anthony **. Please help us with this. How many times do you have to pay a bill? We asked in writing to close the account at the time we paid them, March 19, '08. They referred it to collections in November '08. This will be put on our credit as a bad debt. They want $256.00 more that we do not owe. This is a lot of money to pay when you don't owe it.

Capital One raised my finance charge (FC) from 7.9% to 17.9% without notice or cause. I have not been late on a single monthly payment and have paid more than the minimum each month. I called customer service today regarding the increase and they reported they sent out a FC disclosure in May 2009 that will take effect this month, August 2009. They confirmed that payments were on time, but I missed the opportunity to dispute the increased FC. They reported that if I disputed the increase, they would close (freeze) the account and maintain the original FC. I asked for that resolution, but was denied as the increase already took effect this month.

I was nearly killed in a work-related accident in November 2008. While struggling to make my minimum monthly payments, worker's comp tried to get me benefits. It's a rather long process. I didn't receive a single penny until May, and I quickly called Capital One and was transferred around for nearly 45 minutes before talking to a lead supervisor, who assured me that if I paid off my entire balance, I would have credit restrictions lifted and be able to use my credit card as I have in the past. Well, after paying off my entire account to a balance of $0, I found out Capital One lied to me; they refused to take off the permanent restriction. I was forced to close my account, because they would not work with me after the agreement to lift the restriction!

I have a Capital One account which I have always paid on time and kept below my credit limit. In June, I scheduled a payment for the day it was. Instead of them posting my payment on that day, they posted in the next day, which they never did before. Since my account was very close to my limit, the addition of a late payment fee pushed me over my limit at which point they added an additional late payment fee. Today, I noticed a fraudulent charge on my account, which should be easy enough to dispute. The issue is that Capital One allowed this charge to be added, even though there was not enough available credit, which I'm sure they will add another over the limit fee. As a person who watches my credit report and is very aware of the importance of staying below my credit limits and paying on time, Capital One's practices make me feel like they should change their slogan from “no hassle” to “all hassle.”

After being a customer for over 6 years, I went to pay my card on 08/06/2009, only to notice a $49 annual fee. I have another account of the same and it had a $29 fee. When I called to question this and why they were different, no one could answer why. I closed both accounts. I only used them as gas cards anyway and paid in full every month. I just find it amazing that no customer service is given. I'm not angry, just disappointed more so. I'm on my way to the local branch of Capital One now to transfer my savings to Broadway Bank. I just can't trust the folks at Capital One anymore. It seems really sad, don't you think?

Capital One is the most consumer-unfriendly company. They harass you 10 times a day on the business phone, and cell phone; I had to shut my landline. I told them my business was in trouble and could I pay out my balance. They said no and now I have a court date for a judgment against me for $1,000. That was only because they kept adding interest and late fees. I will never deal with these bastards again.

After over ten years of having this credit card and paying always on time and more than the minimum, I opened my bill to find my "fixed" interest rate of 9.9% had been raised to 17%. When I called to ask why, I was told "because of the economy"! These people need to be dealt with! What's in your wallet? Not a ** Capital One card, that's for sure!

I sold my business in 2005 and requested that my personal liability be taken off of the corporate credit cards. Capital One must not have agreed to do this, but they never bothered to inform me. The person that bought the business decided to quit using Capital One and paid the last bill they sent him in full. Apparently, they managed to put a small charge in so that a balance still existed. He moved his office shortly after this. As far as he knew, he was done with Capital One. However, in April 2009, he received a bill from a collection agency on behalf of behalf Capital One at his new address for approximately $1,200. This amount was nothing but accrued late charges and interest and he had never been notified this was happening. Because Capital One didn't remove my personal liability, this charge-off has gone on my credit record, too. This happened in June.

I have had this credit card for years now and I have paid extra and my balance has not gone down. I called and they said that it's because I had some kind of insurance on there that I didn't have put on. I had them take it off. And still, it's not going down. I have made the card inactive, do not use it, and have not used it in a very long time. And guess what? It has not come down any. Then, I called once again to find out that they raised my interest rate by 10%. I have tried and tried and tried again to get this paid off and they keep me from it. This credit card should have been paid off by now and it's not even close to it. Instead of going down, it goes up or just stays the same. I do not know what to do anymore.

I got this card in my son's name so as to help build his credit, since you need this to purchase anything of any value. When it came time for the payment to be made, I went online but a block had been put on the account so I could not make a payment. I then called Capital One, but they would not accept the payment because I wasn't the one on the account. I tried again the next day and guess what? They took it that time with no questions. Well, since the payment was late, they started adding interest. I know they did this for that purpose. I deplore this company and will never do business with them again.