Capital One Reviews

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

I have made 2 car payments in the amount of $998.00 total. My Capital One statement has all of the aforementioned payment as interest with no monies going toward the principle loan amount. I contacted the dealer who stated he had never heard of such and would call Capital One. After several additional calls to both Capital One and the Dealership there has been no resolution, just the runaround. Finally, Capital One floor supervisor, Nick **, informed me of signing a contract for a simple loan with daily interest of $12.00 per day accrued from purchase 9/25/2011 until first payment scheduled 11/9/11.

However, as I explained thoroughly, I never was told anything in regards a "simple loan" with daily interest, nor was I given the option to avoid accrual. The fact of the matter is my trade in was not paid off until 10/21/11. I was still responsible for the payments which were taken from my direct deposit. I would not have made this deal had I known in detail what financial risk were involved. I totally feel this is wrong and must be corrected.

This Spring I moved. In the early fall, I called Capital One and told them I wanted rid of the Protection Plan. They transferred me to a retention unit, who asked a few questions. When they asked if I was employed at the time the Plan was added and I said no, they freaked and transferred me to the Plan Department. The representative there said it would be removed immediately. It was.

I am so upset. I calculated the amount I paid over the last 6 years and it is roughly $2000, almost enough to pay the ** card off. Yet that $2500 balance sits there with its incredible jacked up 29.9% interest rate and even with it closed, it never seem to get much lower. Let this be a warning. Capital One specializes in fraud and legalized theft from consumers. Between us, my husband and I have four of their cards; once these are paid, never again.

According to Capital One, the activation call was made from my home phone on May 2011. I advised Capital One that my credit is very important to me and I am willing to have even my own daughter arrested, but I have no proof that the card exists. Since June 4th, I have spoken to Spencer, David, Jessica, Adam, Meredith, and Kathy. David was assigned our fraud case. He has been so horrible and made a claim that I conspired with my daughter to take money from Capital One. I was treated like a thief.

They have now changed the credit card number three times and my first statement from Capital One since 2009 was issued on December 5th, 2011, claiming 5 months of late fees and incredible interest rate. My daughter has signed a letter of responsibility, yet they want to destroy the good credit I have regardless. They are the worst company. The charges were fraudulent, not authorized and not mine.

My credit limit was $300 and I tried to make payments. Every time I was late just once, they charged me like more than the APR interest! My bill went from $300 to $2000 plus. I was going through Basic Training in the Army when Capital One was continuously charging my credit month by month. When I came back from training, I paid that $2000plus bill and framed my credit bill receipt to remind me that I will never ever apply for any other credit card company except my debit/visa card. It makes me feel sick to my stomach that after ten years of not seeing a Capital One, they have the ***** to send me another mail application that I am approved for a higher line credit. This is absurd and I don't think they should go on with this craziness! Someone needs to put a stop on them!

I have a slight disability, understand these type of things. I was very scared and worried. I drove over the police department and show a deputy the letter. He told me, if any further letters or some fraud took place, the deputy will handle it. This Capital One should take the time to apologize what they have done. I am really hurt. I can't afford an attorney.

They knew they were not to go into my account again on Nov 6 but they did it anyway. They just tell me they don't know how it happened. Well, they put back $161 but didn't pay over drafts. When the $161 was returned the overdraft took that because the account was in massive overdraft. I again called Capital One and informed them that. The representative informed me that I had to send bank statement to show the overdraft which bank sent the dispute about the charge. Still, today it hasn't been taken care of. The account is still in over draft and Capital One calls me everyday and I explained what they did over 50 times. They just tell me again to send statement which I have done on 4 different times.

This includes bank sent statement to correspondence department; also they just tell me they are working on it. It has been almost a month now but they continue to call me for a payment which this bank account is now in over drawn amount of $867 because of Capital One. And they are aware of this but they want me to pay my credit card bill which I will and have no problem doing. I have been customer of Capital One for over 10 years now. Please inform me what to do.

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

By the way, they charge over $200 a month in late fees (our payment is only $358 per month). Capital One still took the car last night with our 3 kids car seats and strollers in the vehicle. The agency that recovered on behalf of Capital One (their client) said it was a holiday weekend and they close at 12 noon today and to call back on Tuesday. We are Jewish and feel that we're being discriminated against because they decided to close for a holiday we do not celebrate. I don't see how a company should take a vehicle a day before a holiday closing and expect the family to go without their personal belongings, especially when they are going through a hardship already.

I'm sure they are still going to charge us a per day fee. Where's our government to help "We the People"? Capital One also does not refinance their own vehicles because they want to keep more money from the people and ask the government for more money to help the people. What people are they helping? CEOs of Capital One?

On 12/19/11 I received an actual statement in the mail from Capital One showing that they received my "settlement" payment, charged me interest, showed my balance and indicated my account was past due. Obviously I took out a loan to take care of the problem and the problem is still there. They are still destroying my credit and the issue hasn't been resolved. They continue to harass me.

I told her the situation, and she said, "you've had 0 balance, but your account has a 3 dollar membership fee each month. I said, "so your charging me interest and late payment fees on my member fee?" She said, "don't worry about it, Capital One is going to wipe that balance, but your account has been closed". I said, "I don't want my account closed". She said, "that's just how it works". I said, "that's fine, I don't want to do business with a company that is that incompetent, and who also employs camel jockey morons, who can't even speak English". I had a few choice profanities for her and her mother, before she finally hung up. Anyways, morale of the story is pick another credit card company and bank, to do business with. ** Capital One!

The first representative, Lem in the Philippines, with whom I spoke stated that the check for the interest-free loan did not post to my account in time to take advantage of the offer. He said it posted on 10/04. My statement shows it posted on 10/03, which was in time. He then said I didn't make my November payment. I have every email sent me from Capital One since March of 2010, so I know the November 2011 notice of payment due was never received. Lem spoke with a manager who offered a $50.00 credit and then asked if I still had the money in my bank account, as if this were any of his business!

How many others are scammed into taking advantage of a 0% loan and then get jacked around like this. I am waiting for a representative of Capital One to get back with me on a weekday, as it appears the international call center takes over on weekends. If there is the opportunity for a class action suit or cause to pursue one, I certainly will be a part of it. I have taken advantage of similar programs with other credit card companies but have never met with this type of excuse-serving employee blame-pushing.

It is my expectation that Capital One will credit back the interest they have charged and set the interest to 0%, until such time as the terms of the advance are met. If it can be proven that other consumers have experienced this same "convenient" payment missed treatment by Capital One, it may be worthwhile to pursue this as a class action suit.

It's absolutely absurd that I should have to work this hard to be able to pay my bill out of my checking account. I have been a customer of Capitol One for over 10 years as has my son. We have been paying without incidence up until last month. What is going on and how are you going to correct this! Telling me to "get a check from your son" is not satisfactory. You are taking unauthorized funds from our checking accounts.

First it is part of their contractual obligation as a credit card bank to facilitate charges on each authorized (by me when giving all correct information) transaction. The second problem is that while it's sometimes not even possible to call (because of the out of order number), when I do get in they record the private phone call without my permission. This is illegal in most places where phones exist and for good reasons.

Of the many problems and abuses by Capital One as shown on consumeraffairs.com, I'm considering closing the account. If only it were possible to force them to honor their part of the contract (for example with a lawsuit), then it would be great. They pose various disadvantages for the customer. This includes being stuck outside a hotel where the customer can't check in because Capital One refuses to pass the perfectly valid transaction. Then when frantically calling the number on the back of the card, customer will be getting a permanent busy tone or even 'this number does not exist' recording (which later a Capital One representative acknowledged).

Fed up with the treatment I received, I no longer used this card for purchases and just paid down the balance. As of last month, I was to a point where I could send one large "payoff" and clear the balance of this card. I called and went online to find out the current pay off balance. You know, like all creditors will give you, figuring out if paid by the interest charged for that time. Well, it was not available; they would only provide me the full account balance for that month's statement. So I just paid that full amount and sent priority mail with tracking so I had proof. Low and behold, two weeks later I receive a bill from Capital One with over $40.00 due for fees and interest!

They charged me a late fee and interest on the payoff balance! The customer service rep stated that since it didn't arrive by 12 am on the morning of the date due, the account was accessed with a late fee and interest was charged on the balance. To me this is a scam! He also tried to tell me the payment arrived three days later than it actually did until I informed him I have proof of delivery in my hand!

After much frustrating effort to get him to explain to me why they are charging full interest on a balance that was paid in full, he promised that they would remove the late fee. I made sure I got a confirmation number, but I still need to pay the interest because the payment did not arrive prior to 12 am on the due day. Really?! Any other creditor is happy to receive a large lump sum payment and would forgo the 12-hour time frame since it was sent priority mail! Well, Capital One, you just lost a long-term prompt paying client of 15-plus years. Bad business!

This call was placed before even receiving a card in the mail; I never even had use of the card at all. I was assured that the account was closed as of that September date. Now, I'm being told that the account was not closed until October 9th. I had called on the 9th to check the status of the account closure that was to have happened in September, just to be sure all was going as planned, and that it takes two complete billing cycles, or 60 to 90 days, for refunds not counting processing and mailing time.

So, Cap One had no trouble taking my deposit with three days, but it could take as long as three months for me to get my money back, with multiple phone calls and inconvenience in the process. In other words, they hang on to consumers' funds as long as possible, and have use of those money during that time, while the consumer is left without use of their own money.

They now say that I will have my refund by December 30th 2011. We'll see. That is a full 2.5 months since I first requested the refund. I do not recommend anyone to deal with this company.

I have no debt, and have worked hard to have perfect credit. On July 27th, 2011, we were sent a letter that was claiming that they had received everything, and we had no liability. On November 29th 2011, Capital One sent a letter, and has now destroyed my credit. They have added charges, interest, and late fees. The claim from David ** was, conspiring to commit fraud with my daughter. We received this letter on Saturday, December 3rd, but unable to speak to anyone until December 5th, then December 6th, then December 7th, and today December 8th. They are sending my 30 year old daughter a letter of responsibility. This is so horrible. We have no proof that she did it, or who did it. The police won't help. We have never received a notice that they were going to negatively hurt our credit, nor did we receive any statement from Capital One, since we filed the fraud statement. I will never ever use Capital One for anything.

They asked that I fax in all my information my drivers license, bank statement and everything. This was a time when I was in dire need of emergency funds, I was hurting for money so bad. They also told me that there was a $41.23 charge on my account that had gone through. I called them at least a dozen times and have tried to close the card. If I can't use the card what good is it? Well, I've been trying and trying to call them and they will not close the account until I pay for the balance on the account, which, mind you, is nothing I purchased.

Today, I finally broke down and paid $107 on the account. I have no recourse, bad credit or paying money I don't owe. Capital One people are thieves of the highest nature and should be avoided at all costs. I'm going to post this everywhere.

Once we filed the bankruptcy, Capital One cancelled our cards. Even though the cards were secure and not included in the bankruptcy, they cancelled the cards. But the frustrating part was that they kept our money. They said they needed proof the card was not part of the bankruptcy. We sent proof. Then there was a supposed dispute of a charge that never was made; when we asked for proof, they said they could not send us information about it. Then they said we needed to send documentation. We sent it. We were actually on the phone with an agent who was telling us she could see the letters from our lawyer, but we needed to send one. Now they are saying they have a clause in the contract allowing them to hold our funds until the BK is discharged. However, my wife keeps everything and when she asked for where it was in the contract, they said they could not give us that information over the phone due to security and we would have to send in another form.

Remember this is our money, not theirs. So be really careful. My wife and I have decided to sue. We are meeting the lawyer Friday. However, I got to thinking this has to be their policy. Too many agents say the same thing. So they are in the habit of taking people’s money. What I want to know is how many other people are out there that this has happened to and would it make sense (if there are enough people) to combine forces and jointly file a lawsuit?

Please let us know if this has happened to you.

I may bounce my rent as I had to pay $400 with another card. The hotel was paid by Cap One $482.01 but I still had to come up w an additional $400. As the hotel said they did not get paid.

Low and behold, they would not talk to me directly but put me straight through to Allied. I told the lady I was making my payments on my card, so why were they calling me? She said I needed to make a payment of $38 to catch it up. I told her that payment was scheduled to be made on 12/9 (even though payment due date wasn't until 12/17)/ She said she knew that and could see that on the computer! So once again I asked why the ** were they calling? She couldn't answer that question, so I told her to never call me again or I would get them with harassment! Totally sick of Capital One!

I complained that I was listed as a delinquent account and after verifying that my ex did open the account under my name and that I was responsible for the amount owed I paid off the entire amount $3500.00+ and closed the account. To date, I have negative credit ratings from them on all three Credit Rating Companies and despite literally hundreds of calls and assurances and promises that they will correct the issue and will fix my negative report. They have done nothing to help me out. I was last told to inform each of the 3 agencies of the issue and they will correct it and to date all 3 agencies are telling me that Capital One list me as a delinquent payer. If I could prosecute them I would.

The auto-pay payments come out even if I go to their website and pay the entire balance before the payment is due, meaning payments happen twice. Because of this, I currently have a credit. The auto-pay payments are showing up in my statements, but if you look at the payments I have set up they are not there, and if you look at the payment accounts I have set up, that account is not listed. I was unable to cancel from the website, so they are going to manually cancel it with a paper form. They will not reimburse me for the overdraft fees it caused.

I did not have the same auto-pay set up on Chase before the transition so I'm not sure why it's happening. It's possible that I did have it set up with Chase a long time ago, but I don't remember that, and definitely not at the time of transition.

I did as the manager advised and called them. I was given all information and called Capitol One back to talk to the manager. The manager that I had spoken with was not available so I spoke with another manager that had gone through the notes to see what was going on. I told the manager that I had all the information they requested and we began the process of getting to the balance actually owed. After 2 weeks of working with them and building a spreadsheet with the managers, the balance that was owed was paid in full. 4 months after the payment, I received a bill by email with triple the amount that was ever owed and after calling and talking with the representatives, only to find out that they are not allowed to go back to see what happened. They are not allowed to take ownership of their actions on accounts and the amount that was paid in full is not accepted. The check was cashed stating paid in full with representative’s initials on this check along with the spreadsheet sent in to verify the payment in full.

While in Vegas, Jason stated he wanted to get married. I did not want to get married and suggested we just got engaged, he agreed. On the way back to our hotel, the limo driver convinced Jason to head to the chapel and marry that night, January 3, 2011. I still disagreed. The limo driver then suggested just to head down to the courthouse and see what the process is. I did not want to go, but Jason agreed and we headed downtown to the court house. Jason brought me inside the court house and told me to fill out my paperwork as he began his. I looked at his paperwork which was partially incomplete and full of incorrect information. I also looked at this identification card and noticed the picture did not look like him. I continued to fill out my paperwork. He grabbed my paperwork and I assumed that they would not process our paperwork for Jason's paperwork was filled with fraudulent information. They processed the paperwork and handed back a marriage certificate. At that point, I fell into a state of shock.

The morning of January 4, 2011, we began our departure for Los Angeles. Frontier airlines would not give us a flight back claiming they had no recollection of our flight arrangements. Even with our itinerary as proof of purchase. Jason then took me to Hertz Rental Car. Since Jason did not have a valid drivers license, he told me to rent the car and he would pay for it when we got back to Los Angeles. Once in Los Angeles, Jason applied for an apartment in my name and in his alias, forging my signature on the application (as seen on attachments). While I was in the state of shock, Jason paid for the apartment by taking me with him to the bank, telling the banker I was his wife and we need to pull out $2,500 on my credit card. Jason also took the rental car keys and told me he had returned the rental car and it was paid for. Since it didn't see the transaction on my credit card. I suspected it was true.

On January 10th, I noticed I had been charged for both hotel reservations. I called Aria hotel and questioned why I was being charged for both reservations. They informed me that Jason's card had been declined and he had them put my credit card on file. I told Jason my card had been charged for all the hotel charges. He told me to log into my account and tried to make a payment of $3,667.12 which was reversed 10 days later. On the 12th of January 2011, Jason took me to living spaces and filled out paperwork, in my name, for the purchase of furniture. Making me sign for the agreements and charges stating he would pay for those charges with his bank account. On the 14th of January 2011, he tried to make a purchase with my card, which was declined, so he made two more payments: one on January 14th 2011 on the internet for the amount of $2,702.93, the second was made after I had called Capital One to cancel my card ,then took the phone went into the bathroom and tried to be added on as a authorized user and made another payment for $3,998.24 which also reversed seven days later. All I could do at that point is wait for my card to reach its maximum limit of $4,500.

On January 20th 2011, I had received a call from Hertz Rental Car stating that my rental had not been returned. After having endured enough abuse mentally, financially, and physically, I was able to come out of my state of shock and take action. I asked Jason to tell me the truth about who he really is and to tell me what happened to the car. He refused and threatened me, so I called the police for domestic violence (as seen in attachments). I filed a police report for identity theft. I also filed a report against Jason for fraud. I was told by the officer that I needed to contact my credit card company and have them press charges. I had got in touch with an agent at capital one named Lisa. I explained to her my situation and told her I needed her help. She assured me that everything would be fine and they would take care of it. February 2, 2011, I faxed her at 1-800-231-9598, all the information I had at the time. All the charges on my card were then credited. I continued to file my police reports and started my legal suit against Jason smith and the fraud he had done during the alleged marriage. Two days after the arrest of Jason Smith I found the rental car in the neighborhood. I took the car to Hertz Rental Car and reported it stolen.

Then on March 10,2011, all the fraudulent charges had been reversed back onto my card. Stating Capital One had found no fraud. My case had then been sent over to a supervisor agent by the name of Jamico. He had not contacted me for 4 months after my fraud had taken place. I then began to contact Capital One by electronic and physical letters. Not only did Capital One not assist me in getting justice, they had aided in making the fraud upon me worse by allowing over the limit spending, which I did not authorized violating the laws under the Credit Card Accountability Responsibility and Disclosure Act of 2009. Also Violating our own agreement as seen in the attachments . Capital One also failed to report my account as disputed to the three credit bureaus, violating the FDCPA section 807(8), causing my credit score to drop over 100 points putting me at financial risk.

8 months later, on August 30th, 2011, I finally received a judgment from the courts in Clark county in Las Vegas, Nevada, that my marriage is deemed annulled (I was never legally married) and all the charges made on my credit card by Jason Smith are fraud made upon me and responsibility of Jason Smith. On September 16th, 2011, I mailed my court order to Capital One and received no response.

So I called, opened the checking account with the promo info, and got my new checking account number to give to Social Security to arrange direct deposit. When I saw that I did not receive the $50.00 promo for savings, I began sending messages through my online account (about 5 or 6 messages) until I finally got the real reason I did not qualify for the promo. I had a pre-existing account (credit card). When I realized that I had not received my ATM for my money market account, all they suggested was to cancel the one they claimed they sent and they would send another; I never received that one either!

Finally, the online checking account, they closed it. Please read my message to them, for whatever good it does. I found this page online looking for Capital One Corporation to lodge a complaint on their new business practices, but only found this. Yes, I notified them and I still have not received the second one! However, these last few months, I feel that I have been given the run-around.

This was the last message I sent them: I am disappointed with the recent events concerning all of my Capital One accounts. I had a Capital One credit card since 2002. I had a high interest rate (my daughter over charged my account a couple times) which I understand and I was in the hospital and missed a payment about a year ago (sorry), but I always pay significantly more than the minimum due. When I called to inquire if I could qualify for lower interest rate and/or an account with no annual fee, it was not offered. Therefore, I paid the account in full and closed it. When I opened the interest savings account (before I closed my credit card), I was under the impression of a $50.00 promo, again I was denied.

After several messages, I finally found out the real reasoning: denial was that I already had an account, my credit account. Now I opened a checking account for direct deposit for my Social Security check. I was also under the impression that I was to receive $100.00 promo for that. I received the notice from Social Security that they have made the adjustment to direct deposit to the Capital One checking account (which I had to open to get an account number to give them) and I notified Social Security immediately. (Well, I guess the government is slow.) Today, you tell me that you have closed my checking account because the deposit was not made before the 30 days from opening the account? I was supposed to have my Social Security on October 27th, 2011. So, what have you done with my government money, money that I am dependent on to live? When I opened and talked to your representative, I was not informed that you would only hold the checking account for 30 days. How am I supposed to live?

Why is it that when a customer wants to pay off than let it go into credit department to be negative, they will not negotiate? I feel like they are in control of our credit for being good paying customers. Somebody help us and sue them. Do not get credit cards from Capital One. I rather have Bank of America because they treated me right when I paid my account and did not increase my limit without my permission. Shame on you Capital One! I hope your business goes down. I just put in $1,000. I hope to get it paid off as soon as possible. I’ll never deal with them again!

I contacted Capital One from the phone number associated with my account, and the "Comcast" bill I attempted to pay was in my name. There was nothing suspicious about the transaction, other than their decision to decline the card. I spoke with 4 different representatives on the 9th of November. I was told that I needed to send in a copy of my driver's license, utility bill, pay stub, as well as my credit card number in order for the suspension to be lifted. I considered taking care of this until I read complaints on this sight of the very same situation occurring with other customers. I contacted Capital One after reading the complaints, and said I wanted the card cancelled immediately. The representative told me if I cancel my card, it could affect my credit negatively. I told her I have not used the card so therefore it should not, and if they report anything negative to my credit report, I will sue them. She cancelled that card and indicated I would receive a letter in the mail indicating the account had been closed.

They are unwilling to listen and to help solve the problems by correcting errors made by the bank. They are refusing any communication with customer. It's an unfair treatment and illegally adding charges.

How are you going to take me to court over a little debt, then gave someone permission to take my ID and get a card in my name? That's right folks, Capitol One gave a credit card to a false person who claimed they were me! I am looking into suing them. I need a great lawyer team, plus it seems here, I'm not the only one! I hope someone sees this and contacts me. They are messing with people's lives, and think they will get away with it!

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

I called them back right away and asked why I never received any statements from them over a three month period. We verified that they had the correct address and that no mail was returned to them. I told them I would pay the balance immediately minus all the service charges. The first and second time I spoke to someone they hung up on me when I mentioned not paying the service charges. On the third call attempt the rep insisted I signed up for e-statements and that was why I never received anything in the mail. This was as I was staring at my computer at my account online that stated I was signed up to receive paper statements. I argued with him and he just kept reading off his screen. He told me that several emails were sent to me in an attempt to contact me when the account was in arrears. I asked him why they didn't just pick up the phone like they did now that I was in collections? The rep eventually offered to take off one late payment charge but that was all he could do.

Then when I was about to make the payment he said that by agreeing to pay today over the phone I was agreeing that Capital One would not offer any more credits to my account for a 12 month period. I did not agree and questioned why they would even ask that? He tried his best not to answer my question. I paid the balance and then closed the account as I do not wish to have any further trouble with this company. He then had the nerve to ask why I was closing the account. He kept saying that maybe the post office was to blame. Maybe they are and I intend to investigate, but 3 pieces of snail mail and 3+ emails from the same company not coming to my attention is rather coincidental. I am so afraid that this is not the end of the story with them and they have probably messed up our excellent credit. I paid for unnecessary fees and now deal with a lower credit score and aggravation.

All seem to go smoothly and my wife and I were reassured that there would be no issues. Come October 18th and I checked to see if the account had been closed, and lo and behold, money had been moved from the overdraft protection into the account. I called my wife who had to call the bank branch to get this problem resolved. As of the morning of October 19th, nothing has changed. Prior to this, my sister-in-law was able to deposit money into this same account after it was supposedly closed on the 15th. I had to go to the bank and get the money out and that took some doing as the branch manager had to intervene.

Last evening, Oct. 18th, I received a call from Maritz Research concerning my recent visit to Capital One. I did not sing any kudos nor did I offer any praise. As of this writing, I will be watching to see how long it takes Capital One to close this account. If it is not closed in the next few days, I do have friends in the government who I will call on to intervene.

Review policies governing credit cards and impose policies that force credit card companies to warn customers about any account charges, the month before the charges happen, on or before the monthly statement.

I phoned my new info thrice and updated my new address online. Three weeks later, October 2011 bill still went to my old address and Capital One still had the old address in their system. I can't wait to pay my balance off so I can just deal with a new company. I think the problem is they hire foreigners to save a dollar and most of their clients are US citizens who speak straight English. And these people who answer phones, I never can understand what they are saying. It must be same for them, they can't understand what I am saying. Cheap ** Capital One!

When three days passed and the money had not cleared, I called back. The next agent from the department said that the agent I spoke with before him did not follow procedure and messed up. It would now take up to fifteen days for the money to re-appear. I am finding him to be such a hassle to speak with and I ended the call. When I called back later to file a complaint, I was directed to an agent in the department who said that I should not worry, and that the paperwork had been handled and the money should clear by the following day.

Well, today is that day and I am still without my $91 refund. I called the company again and was directed to an agent who said that there is nothing they or I can do to expedite this process. When I asked for the phone number of his superior, he said that he do not have one. There is apparently no one higher in the chain of command than the customer service manager on duty. When I said that I did not believe him and would appreciate a phone call, he responded by saying that whoever I talk with isn't going to make my money come back any faster. He then assured me that all the representatives I spoke with will be dealt with accordingly.

I hope that they get more than just a slap on the wrist. These people are messing with hard-working American's financial freedom.

How dare you Capital One!

So let me get this straight, I have never missed a payment, pay far in excess of the minimum payment each month, and have never exceeded my credit limit. And this is the thanks I get from Capital One. I'll be paying off my account as quickly as possible and using a different card for business purchases. I think Peggy is now working at Capital One.

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

End of September, still no miles card; I called again. They told me that I was denied and that what I submitted did not show miles, which was a blatant lie. I told them to send back to me what I submitted (it was electronic); they told me that they did not have it anymore, and there was nothing they could do. I asked them why they did not call me, since I was clearly contesting it in early August. No response. I feel scammed by Capital One; they sucked me, and then changed the rules.

When Capitol One received the check with no account number, they just applied it wherever they wanted (other 2 cards showed payments for that month) They did not apply the payment where it was obvious, since the other 2 had been paid.

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

Even though I have a month left, I got a call from them "regarding an important business matter," a collection call, in other words. To keep this account, I'm supposed to pay $75, the minimum payment for three months, minus what smaller payments I made. This wasn't spelled out during our phone conversation. Obviously, I can't do it. The options they gave me was to 're-age' the account for another three months, which would wipe out their $75.00 fee. During those three months, I can't use the account. This isn't something I can afford to do, either. I told them I'd draw up a "letter of intent", stating I'll pay the account off at $15.00 a month. Then, the bombshell, they will continue to add $35.00 late fees every month. In essence, I'll be paying this account long after I'm dead and it will never be paid up.

Miriam insisted that they received my payment on September 5th, Labor Day. I insisted that that was impossible because there was no mail delivery on the 4th, Sunday, or the 5th, Monday, a national holiday. I insisted that she explain to me how this was possible. She then relented and said that my payment was probably received on September 3rd, the due date, but after 4pm, making it late according to them. I then carefully reviewed the front and back of my statement. I looked for a "cutoff time" with relation to a payment's due date and could find none. With no "cutoff time" stated, I believe I had up until 11:59 pm on September 3rd, the due date, to consider my payment received on time. Miriam then decided it was an honest mistake and said they would credit the $25 late fee. I do not yet know if the $3.06 in additional interest will be credited also. Miriam was polite. But her arguments, on behalf of Capital One, were hollow, time consuming, and frustrating.

I scheduled a payment on September 7, 2011 on the web for $130.00 to come from an outside bank account, on September 15, 2011. I voided the transaction on September 12, 2011 via the web. I also set another transaction via the web for $130.00 but cancelled it September 13, 2011. Capital One went into my SunTrust bank account and took an unauthorized $130.00 payment out, costing me $108.00 in fees.

I called and spoke to Paul **, manager of the car loan department, who was rude, cocky snd very un-willing to resolve my issue. I explained to him the issue and advised that I had never been late on my car note. He said that he saw that but I must have scheduled the payment or someone that I gave access to my web information. I advised him that no one else had my web information and that I didn't schedule a payment for September 12. I also reminded him of the representative that was trying to schedule a payment for that day and he said that he didn't do it. However, I am aware that the representatives do get a bonus structure for collecting payments. I asked Paul if there was another department or manager I could speak with to dispute this and he told me he was the top person and that there was nothing that he could do.

My account is now overdue, suspended and has been sent to the collection agency. I have to argue with them that I am not late as I paid extra this month and what I sent four days before the due date was an extra payment but not needed to keep my account in good standing. I was told by the Capital One person that the payment did not count and that they could refund my late fee but that was it. I start getting calls from the collection agency as to when I can make a payment and when I tried to explain to them that I am not late and that I have made my payment and should not be getting these harassing calls, they doubled the number I am receiving. The following month, I have to pay "extra" to bring my account into good standing. To this point, there is no reason that it should have not been in good standing. I called them every week to see if they have received the payment and I am told over and over that they cannot give me that information because my account is not in good standing.

I filed a Money Order inquiry with the USPS and they were able to tell me that the payment was deposited in Capital One's bank account three days after I mailed it to them. So I called them and they tell me that they do not know what I am talking about. After being on the phone with Capital One for one hour, to their surprise, they have received my payment but for the last 52 days they have told me they do not have it. This is 52 days that Capital One has had my payment and not credited my account for it. They sent my account to the collection agency and informed me that my interest rate will go up. They harassed me with collection calls and put wrong information on my credit history that will negatively affect my credit score and they lied to me about not having my payment. They were only able to find it after I assured them I had a copy of the cancelled money order and were going to credit my account for it.

I am thankful that I will be getting credit for the payment I sent them but what about the rest; harassing phone calls, bad credit history, lower credit scores, lying, and not accepting the payment that was made earlier in the month. When does Capital One have to be held liable for their actions and those of the employees that work for them?

Ying

I have tried to speak with customer service to straighten this out, but I have been consistently told that a supervisor will tell me the same thing. I still owe double the payment for late fees. How can this be every month? In May 2011, I made a payment of over $2000.00 in an effort to bring my loan current. The next month there was still the payment and charges for late fees of $1300.00, and this continues every month even if I make a payment within the month (but sometimes past the due date). I have 5 more payments on my vehicle. I feel powerless against this company because no one there would listen or attempt to help with this.

I noticed another consumer was charged double late fees each month. Is this a fair practice? I requested my payment record and it was sent by the company but difficult to read, as well as my initial contract of purchase. Can anyone help me with this?

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

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

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

I had already called and explained to them that I was looking for a new job and I would like to use my account security until I found something. They never processed my request and continued harassing me. A few months later, I get a letter in the mail stating I was sued in New York. I was never served, I never even knew I was being sued. They sued me for over $800, but the balance on my credit card was less than $150. Their account security is a bunch of **! They charged me hundreds of dollars in fees when their contract states they wouldn't. I recommend any credit card except Capital One. They will royally ** you. I Googled what happened to me and you should read some of the horror stories from people who have dealt with these heathens.

We called both in Canada TransUnion, Canada and Equifax. They said we can’t tell you why you were refused. There is no reason for you to be refused when your credit is excellent. I called them back and stated what was said and they said we don’t know.

I will put it in plain English why these scammers didn’t give him a card. Because he pays his bills every month in full, there will be no room for interest. They are truly a disgusting company trying to screw people as much as they can. Going through some of these reviews proves that. Watch Michael **’s documentary. Capital One bank and Chase are out to put you in debt, no doubt.

Early today, I had sent in my normal payment for September of $25. When I found out about all of this and called them, their response to me was that I needed to make arrangements to pay them another $25 in two days or they would charge me late fees and make my minimum payment three times as much.

In the hurricane this week, I had a tree go through my car and my other car caught on fire from a down power line. I cannot afford to be paying more than I should normally have had to because I have been running my sons medical devices 24/7 for the last week with a generator. After they told me I could not speak with another manager, I asked them if they could relay my situation to their bosses and get back to me but they refused. Every person I dealt with told me that they understood what had happened and that due to a glitch in their computer system, there wasn't a thing they could do. Meanwhile, I pay for the emergency protection. Not one person I talked to mentioned to me that I can use that (not that I ever should have had to). Finally, I remembered it and mentioned it to them, and they said that would be the only thing I could do to fix the problem.

They then thanked me but not before they looked through my 3 year history with them and noted that I had never missed a payment but with the exception of July-September of this year and had always paid way more than the minimum and had even paid it off fully three or four times. They told me I was one of their more valued customers - valued my **!

They have the worst customer service ever. My husband and I have this card for emergencies when our son needs to go to the hospital (he is disabled), and we have decided to pay it completely and close it. We were also in the process of getting an auto loan with them. None of these things are happening now! I will never use Capital One for anything ever again. Do yourself a favor and don't use this fraudulent company. They will take advantage of you no matter what. Oh and also, on a side note, they outsource their customer service to India so none of the representatives speak English very well. I am truly disappointed in this company.

Capital One sent me some documentation to fill out and send back, which described the transaction. I sent this documentation via registered mail with the USPS and received a signature of receipt from Capital One. Capital One credited my account and made contact with the merchant who supplied a tracking number showing that I had received the TV and thus again, sent me some paperwork to fill out. I again filled it out and sent it back to Capital One, registered, and again, received a signature receipt.

After 3 weeks, I received a letter from Capital One stating that they were going to put the charges back on my card because I had not sent in the paperwork, so I called Capital One and informed them that I did and had a signed receipt of such. So, the Capital One representative again sent me some paperwork and stated that this would be processed because of my signed receipt and that something must have happened to it after it was delivered. So once again, I mailed in the paperwork to the address indicated on the letters received from Capital One and again, sent it registered for signature.

After another 3 weeks, I called Capital One to inquire why the charge was still on my card. They again said that they had not received the paperwork. I was pretty upset at this point and they again asked me to resend them. So, I made copies of what was previously sent and also took pictures of the Pinky Ring and the envelope with the tracking number from the merchant so as to show what was received and how it was packaged when received. The envelope was approximately 6x4 inches and physically impossible to hold a 73" TV.

Again, Capital One sent a letter stating that they were closing the case. So again, I made another call, only this time to find out that Capital One had transferred this case from the Fraud Department to the Dispute Department way back when the merchant was contacted, but they never told me this in any of their written or verbal communications and all of their written communications had the same return address as that of which I was sending.

So, at this point, Capital One told me that I must send it to their Dispute Department. I asked them why they did not transfer all correspondence when they transferred the case and they stated that they don't have an internal transfer (yet they transferred their case internally). I also explained that I had spent over $100.00 in registered mailings and expected them to reimburse this or, at minimum pay, for the next mailing since it was their mistake. They refused and I told Capital One that I would not send the paperwork again unless they did pay for it and that if they did not remove the cost of the TV, I would stop making payments on my credit card. They stated that this would just mess up my credit.

I continued to use my credit card and called them 2 more times to try and resolve this issue. When I saw that they did not remove it on subsequent bills, I stopped making payments with a balance of just under $5,000.00. I figured that if they were going to hold me hostage for $1,300.00, then I was just as fair holding them for $5,000.00, especially since I was not the one who violated our contract.

Capital One and the collection agencies that they have assigned to have contacted repeatedly and I had always maintained that once Capital One fixed their mistake (repaired my credit and sent a letter of such to me and those who have run my credit report), I would pay the balance that I owed at the time that I stopped payments and that I would not pay the interest on the $1,300.00 nor would I pay interest on the balance from the date that I canceled the card.

I then made contact with the 3 major credit reporting agencies to dispute the negative report by Capital One, only to find that I am only allowed 100 words to explain. This is in no way possible and the people requesting credit information don't even care. They see a score and that is all they care about. They don't even ask me to explain in person or mail a copy of all of the documentation, which I still have to this day.

I continue, to this day over a year later, receiving billing for the same thing. I have made several other attempts to clear the matter providing the court order, and they still harass me. I've tried to get the best credit rating possible and Capitol One remains slandering my credit score with their refusal to accept the facts.

Today, I have received another bill and I am currently on the phone holding for two hours and fifteen minutes but no one has answered yet! I get the same thing from them all the time. I've even contacted Corporate office and get the same thing. With the continuance of Capitol One's refusal to take me off their collection list despite the court order, I was unable to make very important financial measures crucial to my prosperity and well-being. I am unable to make critical health repairs that were needed and seemingly to be so, in the future.

I do not have the credit card and have not for a long time. I can't use it, although they still want to charge me $39.00. They give conflicting information on the phone, so my time is useless working with these people. Who owns Capital One anyway? I have dealt with Bank of America and Chase with my credit card accounts with them, and they have been willing to work with me to get these accounts paid off. These accounts are much higher than $750.00!

One time, when I was checking my account, I noticed a small charge for $4.22. I believe it was or something really small like $4.00. I called and told them I never authorized it. The customer service told me it was authorized over the phone. I stated I have never called Capital One ever. I wanted it removed. She stated that this was the first time that a customer disputed the fact that it was unauthorized. I was shocked.

These are tactics they teach their people to try and ride some guilt on them. I said, well I never had my own credit card company put unauthorized charges on my card. I also told her that I read about the class action suit against Capital One that proved that they customarily did this sort of thing on a regular basis. I also told her I pay it off every month or all but $100. Why would I need it? I only use it sparingly. She came back and told me it was removed - all $40.00 of charges! $400.00? What? I thanked her, hung up, and went back into my transaction history.

Yes, small charges here and there - $3.10, $1.88, $2.67 for about a year, I'm guessing. I'm embarrassed, and now, I check my history 3 times a week and I'm going to have to cancel out the card soon because I don't do business with liars and cheats.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Please help. What else can I do?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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