Capital One Reviews

We have three Capital One credit cards for business and personal accounts. These are cards with 1% cash rewards. We had 171,000 miles on one of them as of today. We called today to obtain 1% of the above which is $170.00 cash back. First, when we called, the noise level was so loud that we could barely hear the non-customer service representative. After a few requests to turn the noise level down, he basically told us that we would get $75.00 back and be charged 150,000 miles, therefore giving us back .5% return instead of the 1% they committed to. When we asked to speak to a supervisor, the rep said that's the way it was. We were bounced around many times during our phone call, rude non-customer service representatives. After an hour of trying to talk some sense into them, they have lost three credit card accounts from us. Do they care? Of course not. The same as we don't care if they close shop.

I got the same letter several others have mentioned on site. The one where they claim us as valuable customers, then proceed to pointlessly raise all our APR 10+%. Mine went from 12.9 to 22.9+, also a long time multiple account member. Lucky for me I've always kept my card limits low, and one paycheck will pay them off and earn them a spot on the shelf till they come back to their sense - and deprive them of the pittance/month they would have kept getting from me. I will have to find a company to refinance my vehicle with. I won't keep a large account with a company I don't trust.

I made a single $25.00 charge on credit card; I forgot I had used the card and did not pay the bill till it was overdue. I paid $25.00 charge plus a $15.00 penalty, plus $.50 finance charge for a total of $40.50. I thought I was once again clear and did not open the numerous ad envelopes they send. Finally, I opened one that I realized was a statement. They have now charged a late fee plus finance charges for a late fee and finance charges and now claim I owe an additional $31.06. I called to attempt to settle this and it became apparent it was a lost cause. They did agree to drop 1 late fee (that really excited me). I stated I wanted the total pay off to complete wipe out card; I was informed they couldn't really tell me.

I have three cards with Capital One since 2001. I have never paid any of them late; make more than the minimum payments; and have good credit. I received a letter this weekend that due to current economic conditions, they were increasing my low interest rate to 22.9%, and that I had to opt out and not use my card again if I do not want this to take place and close my account. This will affect my credit score. When you call them to complain, they could care less and offer you no other options. This is predatory lending in my opinion. I think a lawsuit is needed. The economy is tanking and they are taking advantage of their good customers.

Arbitrarily raised my credit card rate from 7.99% to 29.4%. I have high credit rating, never defaulted on any credit cards, house, cars, etc. I have always paid my payment on time. Usually, I carry no balance at all or pay off in full.

I just received notice my interest rate is being raised to 29% on both of my Cap 1 cards. Never been late and I have had the cards for at least 10 years. This is an unacceptable practice. I will be shopping for a new company for a balance transfer. Capital One can KISS MY **.

Capital One has been calling several times a day and harassing me, and they are also calling me at work. Today, I called and I tried to make a payment plan to pay back the 300 dollars I owe them explaining to them the interest is so high. The manager told me that they didn't have any payment plan at Capital One and that I would have to go to a debt counselor. I told him I was unable to go to a debt counselor due to financial circumstances, and I did not get any help at all. Then shortly after I got off the phone with them, they ended up calling me again telling me how much I owe, and I told her to stop harassing me, and she hung up.

I filed bankruptcy in November 1996. The bankruptcy was discharged in February 1997. One of the creditors listed was Capital One. This was a credit card. In January of 2009, I received a 1099 C from Capital One showing that the debt had been canceled on 12/31/2008. I was told when I called on Jan. 22, 2009 that I should call back in two or three days after they have had an opportunity to research this. When I called back and talked with Fiona on Jan. 27, 2009, I was told to give her the telephone numbers where I could be reached and they would be back in touch in 7 to 10 days. I still have not heard from them.

I have had a credit card with Capital One for almost 15 years. I have also purchased two vehicles through them. Both vehicles were paid off early and I always make my payments on time and more than the minimum. It’s a surprise to me when I get a card in the mail stating that my interest rate is going to over 29%. When I talked with the customer service rep, all she said was that it was a business decision by Capital One. I told her of my decision to transfer my balance to another card and that I'd be calling back to cancel after the transfer was complete. She made absolutely no effort to try to retain me as a customer. Bad on them. I will never return or use any of their financial products! A business decision by me.

I opened an account with Capital One back in 2001 with approved credit of $300. I paid them off. Now, they are calling my family threatening to garnish my pay check and saying that I owed them $1,050. The person who is calling is rude, I mean very rude.

I received a letter today from Capital One stating that after April 17, 2009, they will raise the variable APR from my current rate (6.99%) to 29.4%! When I called to complain, I got a recording saying that this raise was necessary due to the current economy. Not only do I have very good credit (TransUnion score of 837, MyFico of 760), but I also make payments on this card more often than I need to (at least 2-3 times per month, rather than once) at many times the minimum required payment ($850 payment, so far this month, on a minimum payment of $39).

I would like to spread the word about the dissatisfactory service I have been provided by Capital One. I received correspondence in the mail giving me a chance to upgrade my Capital One credit card so I called and arranged to have a new card mailed to me. I received my new card and began charging on it. I thought the balance would be put on the new card. I stopped receiving bills for the old card so I assumed the balance would be forwarded to the new card. Three months later, I started getting calls from someone claiming they were from Capital One and saying that my previous card was delinquent and that they needed my bank routing numbers. I was very suspicious.

I have a balance that has to be paid to Capital One. I have tried many times to settle this debt. I have repeatedly been hung up on and am still without any answers on how to pay this debt and to get it off my credit report.

I have been a dues paying member of Capital One since at least 2000. My credit limit was high and my rate was low. I rarely carried a balance, paid timely and consider myself an excellent credit risk. Yesterday, I received an impersonal notice stating that due to extraordinary changes in the economic environment, my rate would be changing. My rate went from 7.9% to 17.9% with no explanation. I called the company and no one could tell me why other than that I was the only person complaining and that it was happening to a lot of other people. It was a decision made by the company to keep it alive and wasn't personal. When I asked if Capital One received TARP funds, I was advised yes.

I transferred a balance to Capital One at 1.99 fixed for 6 months, and then after, a fixed rate of 4.99. The first month my account was correct. The second month, my rate jumped up to 12.90% on that balance transfer. My payment went from $98.00 to $212.00 in one month. I called, faxed, called, and called. I finally was able to get somewhere with the supervisor, and she transferred me to account manager to adjust my rate to the initial agreement. When I spoke to the account manager (who had a bunch of crap in her mouth), she was rude, obnoxious and very unpleasant to deal with. I insisted on speaking back with the supervisor and she informed me that I couldn't, and nobody could do anything thing for me. She did, however, transfer me to another account manager, and I began to explain my case, yet another time. This time, the manager said she understood and promised to review my account and get back with me on Monday.

Capital One increased our APR for being onetime late to 12.9%. That was two weeks ago. Now they raised the rates to 29.6%. What gives? For what? I missed one payment in how many years I have had this account. It would seem to me that my history should have spoken for itself. My business needs a lower rate. How can a business make purchases with such a high rate of credit line?

I have not used my Capital One card in over 12 months, however, due to their fees and my interest rate of 23.25%, I have not seen my bill go down. Now that I am over the limit, I am paying a $39 over the limit fee. I called them to ask if they could help me with the fee. I told them I was willing to pay more than the minimum due and have it automatically withdrawn from my bank account each month. They said they could not do anything except have me pay at least $134, then it would bring my account down enough. There was nothing they would do to help me with it. What is in your wallet?

Capital One just sent me a notice that my default rate would be some astronomical rate if I defaulted even though my FICO is around 800? I immediately paid balance and informed them I will not use their card.

I have been paying my Capital One credit card on time for months online. My minimum amount due was always between $50-60 and I would always pay at least $100. Today my minimum amount due was $104. Perplexed I was, so I opened the statement online to look at and found out they have been charging me an Over Limit Fee for the last 6 months of $39.00. But the bill I get in the mail does not show this. So in order for me to get my account back to under the limit, I would have to pay $291.66 today. I called and spoke to a supervisor. She informed me, “There’s nothing we can do for you.”

I applied for this card and was never sent a card. Didn’t even know I had it until I saw it on my credit report. I have called 5 times to try to cancel, and they say it is, but 6 months later, I looked at my credit report and guess what... STILL THERE.

For many many months now, I have struggled with this company due to this company’s incompetence. I paid off my whole card in November 2008, and since then, I have received many charges every single month without spending a dime. I have called them every month to dispute the charges, and they kept reassuring me that the charges will no longer happen. However, they kept coming in for the following months. It got to the point where I had to call and ask for a supervisor, who then told me that if I just paid this one charge, he'll waive the next one and there will no longer be any from previous billing cycles (I heard this one several times before).

This company holds all payment made to accounts for 2 weeks. The billing cycle is now every 14 days which violates all application contracts. This company is extorting millions per month with this tactic. My personal payments are being held for an indefinite amount of time. This procedure causes the account to be assessed with late fees and other charges associated with non-payment. I have even had these late fees push my account over the credit limit so that I was assessed with even more penalty fees. This is a systemic violation that is going unchecked and unlawful. Please help to save consumers millions.

I am being sued by an attorney for a Capital One account. I do not remember signing up for this account which was opened in 2004, and they say they do not have to provide any proof that I did sign up for it to sue me because there are charges on the bill. Also, after looking closely at the copies of statements sent to me by their attorney, I noticed that there are two credit cards listed in the fine print below the charges that Cap One says I had and went into default at the time. When checking out these two cards, there are no records of them on my credit report or anywhere else. The statements show that when these unknown card numbers were listed on the statement in default, the interest on the statements went up to 25.99%.

I feel it is ridiculous that I was paying a yearly membership fee for a credit card which I never used. Nia, the sales manager, gave me two options - pay the fee, or cancel my credit card (which hurts my credit score). I feel the way Capital One does business is extremely unprofessional, and the company is a disgrace to business ethics. This note goes simply to the hardworking American citizen which is forced to make these decisions. Capital One should be ashamed the way they do business! Capital One is hurting my hard earned credit score!

After getting a new card, I transferred balance with stated APR of 0% for 12 months. I double checked with them to make sure it was 0%. They started charging me around 14% from the very first month!

For about 8 months, I've been trying to rid me and my husband, an army soldier, of the 3 cards we had with Capital One. I had been trying and due to my age, 20, I believe they thought it was going to be easy to tag me along. I may be 20, but I'm a full time student, work 2 jobs, have my own house, my own money, and my own car. They were treating me like a child. I got my mother, a very experienced lady with many years of handling credit companies under her belt, to call and speak to a representative about the mafia high interest rate they had me on, the countless fees that are being pulled out of hats left and right, and the overall unfairness of the company. Now upon dealing with her, my card was finally closed.

I closed my account and Capital continued to bill me. Now they added the charges to my credit report. Consequences: This made my score worse that it is and physical and emotional distress.

I can't believe all these complaints. Is anything going to be done about this or are these seen as a joke to Capital One? I've been paying and paying on my card, and the balance stays the same. I've paid hundreds of dollars on my card and the balance always manages to come right back where it started. I've read such horror stories about people not being able to pay off the card even when they pay it in full, that I'm discouraged to even send money to them anymore. I tried to get my 25% rate lowered. After talking to three different people, I ended up with the same "my hands are tied" routine.

I have gotten into a situation with a lawyer representative for Capital One Bank. I am requesting the attorney to supply me with my account info and all fees accessed to make my $400.00 into $1,087.37. He is telling me that he does not have to supply me with this. I think he does. This is a company that preys on the consumer. Consequences: Poor credit reporting and also now saying he is going to take us to court. Threatening manner on the phone. Capital One will not supply us with the info once it is in collections.

I have been a Capital One customer for many years at 7.99%. I have always made my payments on time. In 2007, they raised my interest rate from 7.99% to 12.99%. Capital One told me on the phone that it was a market realignment to help Capital One as a company. The letter they sent stated that if I quit using the card, the interest rate would stay at 7.99%; but if I use the card, then the interest rate was going to 12.99%. The only purchases on the card every month was payment protection so the rate went to 12.99%. $225 payment, $42 goes to balance!

On November 28th, 2008, I paid off my healthcare loan with Capital One. When I first got the loan, a representative from Capital One called me and I decided to set up automatic payments to be deducted from my checking account in the amount of $250 per month. On December 26th, $250 was deducted from my checking account to Capital One even though the account had been paid in full and closed a month ago.

I received a pre-approved credit limit of $300 but was charged almost double. This company deals in deceptive and illegal practices. I've had fraudulent transactions I did not create or authorize. Because this, my credit has gone down. I had good credit before this happened.

I am disabled. Capital One got my phone number from the telephone directory, and now I am harassed on a daily basis for a man that died in 2006 apparently for a balance due on a credit card account. I got information from the deceased person's relative and took the information to court to prove his death. Now Capital One is sending sheriff department to my door in addition to daily phone calls. The deceased name is James **, social security number **. I have had no affiliation with this person since 1991. How can I get them to stop harassing me? I am totally stressed out. This is frustrating. I tore a ligament in my knee answering a phone call from them.

In July 2008, someone opened a Capital One credit card in my name. In Aug. 2008, I started receiving the bills. I put the alert on my credit reports, called them to report the problem, and filed a police report. They told me I would receive some forms to fill out and return and someone would contact me for a statement. I received no forms or contact. Instead, I received a letter stating they had investigated and were holding me responsible. I then called back and told them of this. Again, I was told to expect some forms and a call. All I received was the same letter holding me responsible. I was never given an explanation why or how they came to this conclusion.

I received an application in the mail at home to transfer existing high interest credit card balances for an interest rate of 0% APR until January 2010, no annual fee. I was going to pay off all my credit debt before January of 2010. Great! I applied over the phone to "Confirm" the 0% APR. I was "assured" that because my credit was good I rec'd the 0% offer. I was directed to a website and completed all necessary information. When I rec'd the paperwork in the mail, the interest rate was not 0%; it was now 8.15%.

They call my number 3 to 5 times a day. I have asked them to stop calling in writing and told them that this number is registered with the National Do Not Call; but they keep calling even on Sundays and holidays! They are driving me crazy!

I have been with Capital One for many, many years. Now that you are outsourcing your marketing, whoever is doing the data entry has decided they know better how to spell my name than I do. How do I get this corrected? Right now, my account is in two different names. I want to get this corrected.

Okay, here it is. I closed my Capital One cc due to divorce and also I wasn't happy with the service. I asked for the total amount owed and happily had it debited out of checking. I also made sure in no uncertain terms that I wanted my card cancelled. I even asked the individual on the phone if he understood. Well, about 3 to 4 months later, I get a phone call from Capital One collections saying I owe $80. Looking into this, I find that my Xbox account billed Capital One. Now, if the card has been closed, shouldn't the cc company deny payment? Oh, one other thing. If it is my card, then how did my ex-wife's name get on the account? It was never mentioned in the application. So how did she get on there?

I applied for a business loan and was solicited by Capital One. The ph # for them is no longer valid, and they told me it was backed by the SBA and it is not. On the paperwork, it says they needed personal info for SBA, and then they put the business loan as a personal loan unbeknownst to me. Recently, we are trying to sell our business, and now I have this loan under my personal name (which I did not agree to) instead of the business! I have sent letters, faxed, and called, asking for the paperwork or recorded call that I agreed to a personal loan. No response. I was acting as an LLC member duly-authorized to act on its behalf. I feel this is fraud. This loan was to be sold with the business as a business loan. It has called much aggravation and headache, and now we were not able to get it included with the business because it is under my personal name! I'm out $50K!

In mid-December, I was preapproved for a healthcare loan from Capital One in which I was told would be filed the month of surgery, which was January. I haven't received any bills but have gotten three calls in the past 4 days regarding the account and being 14 days past payment. I'm happy to pay; however, I've never received account info (number, etc.), contract for account (other than a pdf of preapproval) and no bill in the mail. I expected that I would see something in the mail this week (surgery was yesterday). However, I'm shocked at Capital One's faulty billing system, lack of ability to send actual contract of details and more.

I contacted Capital 1 & sent them copies of disputed charges that I found on my statement on 6/10/2007. I also sent them a copy of the identity theft report I filed with the attorney general's office. They tried to tell me that they never received anything at all. I had the account forever & never had any problems. When I found huge charges for adult dating sites & porn sites, they told me to continue to make payments while they investigated this. Their resolve was that I was totally responsible. They also let this idiot go way over the credit limit, now wanting to charge me $5000 on a card with a limit of $1500. They have now filed in court on me for $3000 plus 27.9% additional interest & court costs. Because of this, not only is my credit ruined, I had to sell everything including family heirlooms at a horrible auction that didn't even bring me enough to pay hardly anything. I also had to give up my freedom & move in with my in-laws at 42 years old. Bankruptcy is my next step.

I have been a loyal customer with Capital One for many years (at least since 2002) and recently, without warning, I got a letter saying that they were terminating my account for inactivity. No call, no letter, no notice that I should use the account to keep it active. Instead, they just canceled me without warning which will affect my credit report and lower my credit score! No one I spoke with could offer me any kind of satisfactory resolution such as having me begin to use the card again in order to reactivate it. No, just good riddance and who the heck cares about your credit score? No hassle? No hassle for Capital One because apparently they are in the business of treating their customers like garbage - even the ones that handle their credit wisely. Would they also treat me the same way if I ran up my charges and then didn't pay? Yes, they'd probably suspend my account just like they did!

I transferred about $9,000 in other credit card debt to a low interest 1.99% rate with a 3.99% normal rate. I had the card for a couple of years and was paying it down slowly due to the low rate. The interest was being moved to the higher rate, which was understood. One month I received a letter stating the 3.99% rate was being raised to 12.99%. I called them and they said they could raise it, and I could cancel the card if I didn't like it. I had about $6,000 left on the card.

I had the promotional APR of 1.99% until the end of Sept 2008. During the summer of 2008 (July-August), I called Capital One and asked them about the payment in full option. The associate told me that the promotional APR can be extended till the life of the balance and that the interest henceforth would only be 1.99% APR. He also said that he would triple the bonus points if I made a purchase with the credit card (knowing fully that it would lead to an automatic increase in APR and the rates would go up dramatically).

repossession. They say I need to do the paperwork to fix the problem. Now, my credit score is shot.

I have tried, on the course of 2 years, to pay Capital One. They refused a check and turned me over to a law firm. I told the law firm that I will work with Capital One directly. Capital One still refuses payment and put a lien on me. I have been trying to pay this company for years. They refuse payment from me and turned me over to a law firm, who wanted twice the amount owed. I do not deserve to have this emotional crisis in my life.

I contacted Capital One to cancel membership I never signed up for. The membership fee are applied annually. I spoke with Kay, an account specialist who tried to wave the fees, but Kay stated she was unable to give a waiver. I inquired about their rewards program as a consumer, but was told I was not entitled to the program. I stated I wanted to cancel the card. I was unable to cancel my credit card. I am being charged $39.00 for membership I did not subscribe to.

Capital One Bank has wrongfully refused to honor a floor plan financing agreement that was renewed and signed on July 1, 2008 for a term of one year. Specifically, the Credit and Security Agreement (CSA) entered into this matter provides for a (1) one year term, which was not scheduled to expire until July 1, 2009, unless sooner terminated pursuant to a default. Their termination was expressly based on a business decision without relevance to any of the terms and conditions of the CSA.

I would like to report yet another experience with Capital One that suggests impropriety on the part of the company.

Capital One should be reported for being nothing but a fraud. Over the limit fee erroneously put on and $80 a month service charge. My credit was almost hurt. Frustration and extreme anguish.

I realized that a monthly fee of $5 was being inappropriately attached to my account. I called to cancel when I realized what was happening and was told the fee would be taken off. It wasn't. I didn't receive a bill for the next period, so I thought the matter had ended. Capital One sent me a bill with a $15 charge for $0.13 in credit protection on $5 I didn't charge. They are ruining my credit over their own incompetence.

I opened a Capital One account and I started out with a $300 balance and added the unemployment and fraud protection which was around $5.00 for both. My first bill came in; I paid it, then I received an over limit fee on my second bill. I never made any charges on my account, although I was right at the limit. My problem isn't that. My problem is that they charged me several fees, and when I called to resolve this issue, they said they would credit my account $100 when I paid $100. So I made the $100 payment, that should have brought my account down to $100 or less. My account is at a standing of $435.85. I have not made any charges since the very beginning of my card. And get this, I received a collections notice from Allied Interstate the same time I received a bill from Capital One, but the balances don't match. Capital One says I owe $435.85 and Allied Interstate says I owe $644.02.

I emailed Capital One on Saturday, the 10th of January. I told them that I was having some medical problems and would like to see if I could work out some kind of payment plan with them because I didn't want to fall behind in my payments. Plus, I didn't want to have this on my credit score. Their web site said that somebody would get back to me within 24 hours. And here it is now Monday evening and I still haven't heard from them and I also explained to them that because I am disabled, I only get so much a month to live on. Right now, all my medical bills are starting to really cut into what I get every month. The only answer I got back from them was an email wanting me to update my email address. Excuse me, but I did that back in November. If they aren't going to help me with this problem, then why am I paying so much a month for this product that they have for when you get disabled or laid off from work? I know I'm already disabled. But now, these medical problems are starting to come up. After I saw their last email, I don't think I'll be paying them anything more if I can't get the help I need. Then what's the use? I hope somebody can help me with this situation.

I had two credit cards from Capital One. One I had no problem with and paid it off. The other, I was paying two and sometimes three times more than the required minimum payment each month. During this time, I was not even using the card. I just wanted to pay it off also. But each month that I received my new statement, my bill would at least be about $25 more than the previous month. I called the number on my statement and asked the woman if there might be some mistake. She refused to do anything about it. She was very rude and said that it was all my own fault and that I got myself into this mess. I asked again to at least look into it, but when she became nasty, I hung up. I felt then that these people are robbing me, and I wasn't going to take it anymore, so I stopped my payments. Now, I have been served papers that they are suing me. And yes, I will need a lawyer, because I cannot afford one.

On 12/26/2008, I logged into my online account to pay my credit card. I usually pay the whole amount. I noticed that there was a $59 membership fee charged in November 2008. After I paid my entire balance plus $2, I filled out an online charge dispute: 1. That I will not pay to carry a credit card in my wallet; 2. I wanted my money back; and 3. if they were to continue to charge this fee to cancel my account and return my money plus the extra $2. On January 9th, 2009, I got an online statement. No response dealing with this fee from Capital One about my merchant complaint other than two confirmations of receipt of my online merchant dispute complaint on 12/26/2008.

After reviewing my most recent credit card statement and discovering that an over-the-limit fee was once again arbitrarily applied to my account, I sought recourse on the web. I feel fortunate to have uncovered similar experiences and sentiments from fellow cardholders. I accepted Capital One's card offer after several years of trying to rebuild my credit. I thought I'd start anew and looked forward to having a good relationship with them. I was reluctant, however, to use a card that carried an annual fee. Later, much to my surprise, I discovered that this company seems to do everything it can to keep cardholders in debt, despite innocuous gestures that suggested they were simultaneously interested in my business as well as the prevention of unnecessary debt.

In Oct. '08, I informed Capital One that I was having financial problems and continued to make partial payments. On 12/24/08, the vehicle was repossessed. I called the company to find out about reinstating the loan and getting the vehicle returned. They neglected to give me all the information needed. There were numerous phone calls to make payment. On 01/06/08, money was sent by Western Union with request to call when they received the money. To date, there is no phone call. I requested to speak with a supervisor and was denied. They told me they would have someone contact me. To date, there's been no call.

Update: I reported last Nov./Dec. that Capital One paid an electronic debt on my closed account. They waited nearly a year to let me know that my $35 bill was now $210 and climbing. I was able to find help after weeks of runaround and received my letter saying that my account was closed with a zero balance. I was relieved. That feeling was short-lived. I am still getting calls and letters from their collection company even though I have sent copies of the letter that was sent to me. Now, Capital One has to let their collections company know this is real, before the collection company will accept it. The collections company sent this letter to Capital One on Dec. 14th. Almost a month later, they still haven't heard from them. This couldn't be legal? I won't even go on a rant about all the calls and horrible not-any-help people who work for this company.

We have had a personal loan with Capital One for 5 years. The final and last payment was due on Jan. 3, 2009. All payments were automatically deducted from my bank account each month. On the 3rd, I called on my account; I found the information wrong. I called on Jan. 5th and talked to a Nixon. I asked him to check on my account. He told me that I had two payments left and my balance was $462.74; I told him that was not correct. I had one payment left and he then agreed with me. I asked him why the last payment had not been deducted from my account and he told me that the last payment was never deducted from the bank account, but I should have received a letter to that effect telling me how to pay for my last payment.

I received a letter telling me my account was placed in a suspended status and would be closed 60 days following the date of the letter (12/17/08). I called them to find out what the hell was going on. They said that because I did not have activity in the last few months, they did not want me as a customer and they were reducing their extended open credit. I have perfect credit overall, no late payments with them, no delinquency, nothing bad or late or nothing. Perfect standing and they want to cut me lose. They said they didn't really know why they were closing the accounts in good standing, but they were not cutting, suspending the delinquent or accounts in poor standing.

I just checked my Experian Credit Report today and noticed multiple credit inquiries in 2007 by Capital One without my consent whatsoever. I have never applied with them in 2007 nor at all. My phone call to Capital One didn't help as I was referred to writing in detail my dispute to a Capital One Credit Bureau Dispute Department. My understanding is that multiple soft or hard inquiries can harm your credit score. For someone like me who is trying to repair their credit, it's like sticking your foot on top of someone sitting in quicksand. It seriously jeopardizes my faith with agencies that hold my livelihood in a file.

They called me and harassed me about my car payment, which is not behind. They were supposed to do a deferment 2 years ago, but they put it at the end of all my payments. They said they would do it then. They didn't give me a time limit as to when it had to be there. I sent them $35 to do it. Then they said they would, but they didn't. The reason that I asked for a deferment was because my son was diagnosed with pancreatitis and almost died. I had to pull all my money out so that I could pay my hospital bills. They told me that I was behind a payment and they have been harassing me ever since. There is a law against harassment in Georgia. Please look into this matter for me and email me at ** with your results. Thank you.

I have been trying to email Capital One to try and resolve overdue accounts. When I enter the email address and write my letter, I keep getting "enter a valid email address." I have checked my settings and everything is accurate. I have been trying to get reduced settlements to get these accounts resolved. Because of my disabilities and tragedies, I got way behind because of their late fees and other fees that accumulated to the point where there was no way to catch up. Please help, thank you. Both accounts are in credit bureaus.

After having paid off a personal loan I had with Capital One by electronic transfer in full on December 9, 2008, my usual monthly deduction was also made. This second deduction from my account constituted an overage being taken out by Capital One. I called Capital One three separate times (December 15, 2008; December 26, 2008; and January 7, 2009) to ask about them returning my money. I talked with the customer service representatives listed above. As of January 7, 2009, I have yet to receive the excess money that Capital One has taken out of my account. I do not understand how I could have received a letter dated December 8, 2008 that said my account had been closed and yet as of January 7, 2009, I have not received the money they took from my account after the account had been closed.

Someone called to see if we could work out a payment arrangement on my account. My wife lost her job in April and I lost mine in September, so we started to get behind. My principal on this card is $495. They want $1,173.87 that includes many fees. They wanted the balance of $1,173.87. I said if I had that kind of money, we would have not been behind. They would not take arrangements from me at all under $400 installments. Now they said they are going to sue me and take me to court. I was offering to pay them $100 plus month to get paid off. Brian at Alliance said, "Too bad, no deal. See you in court" and hung up on me. Then everyone wonders why people are forced to seek bankruptcy when it is not wanted.

They closed 3 of my accounts due to non-use. They want us to use the cards so we carry a balance. I chose not to use them. Now my credit will take a big hit. Why cannot these companies be stopped or regulated from doing this? My credit score goes way down as a result and it makes it harder for me to get a good rate on other cards. It makes me feel and look like a deadbeat.

I received a form letter stating, "After conducting a periodic review of our existing accounts, we noticed that you have not used your Capital One credit card for an extended period of time. As a result, we have suspended your credit card account and will close it after 60 days." I have had that card since 2000 and have used it, but not lately. I called and talked to CSR and she told me there was absolutely nothing she or her supervisor could do. It was final, account closed, no options. Having an account for 8 years and other business accounts with them that have balances, I cannot understand why they are so inflexible. There will be now at least two consequences to my credit score: One, I have just lost a long term account; and two, I have lost X amount of available balance, which will make my balance to available balance, worse.

Wow! I wish that I had done some research on Capital One before accepting their 0% interest credit card offer. My payment was due on November 27th. I paid the payment online on November 10th and as is my practice, I kept a copy of my confirmation page showing the date and time my payment was made. The money was withdrawn from my checking account a few days later. I received my statement in early December and found that the payment had not been credited to my account until November 29th. I had been charged a late payment fee of $29 and an over the limit fee of $39.

I have had an equity account with Capital One for about 7 years. I received a bill in the mail every month except for the past 2 months (needed an address to mail the bill to). I called Capital One, spoke to a woman from India (who I had a lot of trouble understanding). I asked for a supervisor. She said she would handle the complaint about not receiving a bill. She never would put a supervisor on the phone. Anyway, the Capital One lady tried to charge a late fee (which I was able to talk her out of once she checked my past payment history; bills have been paid on time/before due with over the amount due going in).

When I tried to gain access to my accounts online, of course, Capital One required some information from the card itself. I have had my cards with them for over 8 years, and had cut them up a year ago. So when I called them to get the info, they couldn't provide it and told me that they would send replacement cards. I really do not want the replacement cards; I just want to have the ability to pay online. So, they offered to take a payment over the phone - for a fee. I told them a fee to make a payment is out of the question. Instead, I think I will send them 38 separate checks for $1 each so they can pay someone to sort them all out in their mailroom.

I called to find out why my credit card had been placed over to the collection department. I found out that my payment was late making my account over the limit by their charges. I called and told them that my payment was processing and I guess had not been received due to the holidays and asked that they reverse the fees so that it would come out of collections. They informed me that the only way they could do this is by me making an over the phone payment. I told them that I could not do that due to the fact that the $100 payment that I made was processing and if I gave them any more money, it would bring my bank account into a deficit and then I would have to pay a bank fee on top of everything else.

I used a convenience check by Capital One Bank for a period of 0%. After my first bill and payment, I never received a bill. The second month, I didn't receive a bill. I managed to remember to make an online payment on time. The third month, I didn't receive a bill. I forgot and managed to make an online payment four days late. The fourth month, I received a bill charging me a late fee of $39 and now charging me an interest rate of 20.99%. I believe that the credit card company deliberately failed to send me a bill so that I may forget, giving them the opportunity to slam me with late fees and high interest!

I received a letter from Capital One complaining about how I was not using my credit card! I am a very responsible credit card holder and they dropped me in a split second just because I was not racking up a ton of interest! They are an awful company only out to make a buck. When I called to complain, they could not wait to take me off the phone and cancel my account because I was not spending enough money with them. I am on the verge of starting my own business and with these hard economic times, I would think any credit card company would be happy to have such a reliable client who always pays their bills on time! Don't trust Capital One!

I have had a Capital One credit card for 10 years without ever having a problem and always paying any bills. Well, I haven't used the card in a couple of years and all the sudden, I get a letter saying my account was suspended and it would close in 60 days. I called customer service to get them to reinstate my card and they would not! I even talked to a senior level Indian rep and he said that they had many complaints about this and had closed hundreds of thousands of accounts! This was my longest open credit card and closing it will probably hurt my credit score! I hate Capital One. They suck!

I have been unfairly charged overlimit fees on the same purchase. On November 28th, a single purchase of $113.00 brought my balance over by about $70. An over credit fee of $39.00 was immediately charged. When I paid my November balance, a minimum payment was shown of $40. I paid more than the minimum, however, I did not see on the payment page any further amount due. My next statement charged me an additional $39 over limit fee. This is for the same overcharge that I have been penalized for.

Some time ago I had three credit cards with Capital One. Due to disability, I became unemployed in January of 2004 and was unable to work for eighteen months. The cards went into collections and were charged off in the Summer of 2004, with the resultant impact on my credit. That's just my tough luck. However, Capital One makes a habit of re-reporting those charged off cards to the three credit reporting agencies every month. There is no need for Cap One to be doing this because there is no new information on any of those accounts since they were charged off over four years ago. The problem is that Capital One's habit of re-reporting the accounts harms my credit.

I signed up for a cash back Capital One account on their build your own credit card site. The card promised 1.25 points for every dollar spent. This sounded like a good deal, so I signed up. To my surprise, they played a slight of hand on the amount of points needed to get cash back. Most cards provide $100 for 10,000 points; however, this card only provided $75 for 10,000 points. So they provided the illusion of getting more points, but actually provided less money back. To add insult to injury, I was charged numerous fees after missing a payment deadline by 2 days. Since I always pay my balance in full, I was more distressed to learn that they would only refund the late payment charge and would not give me a break on the interest charge.

I ordered a Foreclosure Package a year ago September. My wife sent it back thinking we got it in error. When I got the bill I called and told Capital One I didn't get it. 3 months later the package shows up at my address. My wife sent it back with a receipt from the Post Office. Capital One refused to give the credit for the package. Over $400. My wife pays her credit card on time and the interest rate keeps going up, now a 27%. They claim they review the account to lower the rate but they never do.

I had opened an account with Capital One many years ago. They allowed unauthorized charges on the account, which led to my account being maxed out and I was not gonna pay for something I did not do. I received a summons from a man that came to my door yesterday. It claims that the attorneys Farrell and Seldin are suing me on behalf of Capital One. The summons looks like it is from the second district court, but there is no court date on it and there is a page contained in it that says If you owe the money and would like to arrange to pay the debt, please call our office prior to the Court Date. This may avoid the necessity of you appearing in Court. The telephone number is 1-866-796-8300. This is an attempt to collect a debt and any information obtained shall be used for that purpose. This communication is from a debt collector.

I sent in two payments - same envelope-to Capital One Card Services- sending them express mail through post office. The express arrives on my due date of payment, yet Capital One would not post my payment until the next business day, not giving me credit for payment being there on time. They charged their excessive late fee, and when I tried to talk to someone regarding this, they were BEYOND EXTREMELY RUDE!!! Are there nor English speaking people anymore at these companies? When I did finally talk to someone in charge, I told them I was going to report this to consumer affairs and Attorney General's office, and Better Business Bureau, I was advised Do what you have to by Capital One rep. They were not willing to work with me, even though I had the proof it was received. I have never had trouble with any of my other card companies. Capital One, as far as I am concerned, gives false advertising on TV - They are **!

Capital One is my son's only credit card and Capital One suspended/cancelled because it has not been used since July 2007. My son is a soldier stationed in Iraq. In 2 months, will be returning to the U.S. and be given leave to visit family. Because Capital One suspended his only credit card he will not be able to book his flight home. He called Capital One and spoke to a Sr. Acct mgr and explained why the acct was not being used because he has been stationed out of the country for the past 15 month and they were not willing to reinstate his card.

I made two payments on my account in November, one for $239.77 Nov. 5th and one for $252.62 Nov. 19th. When I got my statement at the end of Nov for a $7.25 balance and a $7.25 minimum payment due Dec. 17th I ignored it because in my mind, I was paid ahead. Boy, was I wrong. They immediately slapped a $39.00 late payment charge on my account and then Dec. 26th started calling my house with courtesy calls telling me I needed to make a $52.32 payment. I tried talking to this man but he was from India and I could not get through to him that I had paid my payment early. He just kept saying you have to make a payment. I finally told him ok I would through my bank.

In August of 2006, I paid off a balance of $5000.00 dollars on my Capital One card. At this time I discontinued use of the card. In November of I told the company to close my account, because I was dissatisfied with the way they did business. I assumed that the account had been closed, and I did not receive any more statements from Capital One, only offers for more credit. In April of 2008, I received a call from a company (don't recall the name) asking to verify a purchase of over $2000.00 dollars. I told them that I had made no transaction and that the account should have been closed. They told me to contact Capital One and find out what was going on. I did so and spoke to a lady who took all of my information when I explained what had happened. She was very helpful and I thought, "That was easy!" Well to my dismay I began to receive statements from Capital One asking me to make payments on the balance which was almost $12,000.00 dollars.

I got a letter in the mail last November saying that I had been pre-approved for a Capital One credit card. I used the card but didn't charge up to the limit. The first bill I received it was over the limit due to a membership fee, and then an over the limit fee. This is where it all began!! I lost my job and was not able to make the payment on time. But I did make the minimum payments they had listed on the statements (when I received a statement). Some months I didn't even receive a statement and had to call to ask. The excuses I received was wrong address, statement late going out, etc. The harassing phone calls began every day beginning at 8:00am till 9:00pm at night.

I have credit cards, and have been having complications for a while now. I have been attempting to deal with this company on my own and it is getting more difficult. They latest issue is that I entered into a Hardship Agreement with Capital One, on their terms, and I held up my end, however they did not abide by their own terms of the Agreement. I have tried to discuss these issues and get the accounts corrected. I have been told that my accounts would be escalated to supervisors, and that the supervisors would be calling me.

Received a text message at 9:17am Dec. 20, 2008 from **. Message reads as followed: YOU NEED TO VERIFY YOUR CAPITAL ONE ACCOUNT (UNUSUAL ACTIVITY), CALL AT 877.872.6208. I do not have a Capital One credit card. I'm not saying Capital One are the scammers, but, whoever it is is using their name. Did I call? No. Did I text back? Yes and it came back rejected. Some people might though call the number and do as they request.

My account was suspended without notice as well. I haven't used it in a couple of years due to being responsible with my credit. I needed to use it at the first of the year for business purposes/cash flow and I got this letter they were suspending effective immediately. I called about it and it was obvious they didn't care and no longer wanted my business. They did suggest that I reapply for a credit card. That does hurt your credit and it is unfair for them to penalize you for being responsible.

I have paid my monthly payment to Capital One (personal loan) on time regularly for the last 4 years. I recently sent a check for $1600 to payoff the account. The check was not getting posted to my bank account so I called Capital One to find out the payment address had changed, as well as my account number. The person I spoke with said I should wait another week to see whether it gets posted. If not, I should cancel the check and courier a new one (by this time it was 8 days late). This is what I did and I had the check tracked by the post office. The post office said the check was delivered on the 12 of December, it is now the 28th and it still has not been posted.

They are not sending me statements and when they did, I noticed about a $700.00 in interest charges from April of 2009 until September 2008. In April, it was $400.00. As to my statement in September 2008, it was over $1000.00 and Oct. until now I have received no statements.

My card was 2,050.00. The next month it went to 2,123.00, and now today it's 2,303.59, in just 3 months with two charges of 39.00, and now a membership fee of 19.00 a month at Capital One credit cards.

Going online to make a payment on my vehicle loan. I have a statement in hand that reads I owe $160.34. On their website it says the amount due is $239.40. I tried to make a payment of $200 and it wouldn't accept anything less than $239.40. I called customer service and was told that you can only make the minimum payment amount on the website. I asked them how much I had due and they said $160.34. So I asked why does the site say $239.40 and was told that was what I contracted to pay each month and the fact that I owed less than that this month means I would have to find another way to pay. This is crap.

A year ago I told them (Capital One) to close the account, and they failed to do so. In march of 2008, I paid off the existing balance, and the check was issued by my Credit Union, marked as PAID in FULL. This did not stop CO from continuing to bill me. They claim a charge was placed after the pay off date. I DID NOT authorize this charge, and told CO that fact. They have called me for to twelve (12) times per day, everyday for nine months. I have told them repeatedly to clear their books, correct the error, and stop calling and they refuse to stop or take any corrective action.

I received a letter that my account was to be suspended since it had not been used in a long time. I had not used it due to previous problems. The letter said that there was a Rewards balance to redeem that should be done before the account was closed. I called today to try to redeem the Rewards. The first time, I spoke to Customer Service, I told them I did not have the full account #, but they were able to pull up my account without it. I did have the last 4 digits of the account. They said I needed to call the Rewards Department and they would send over the account information. I called the Rewards department and they said that the account was not sent over and they did not have the account numbers.

I received a pre-approved office for a Capital One MasterCard in the mail back in November of this year. It was for a 0.0% APR introductory rate for the first year and 6.5% APR each year after. I went online and filled out the form on their website and after submitting the form online I received a message advising me I would be notified by mail if I was approved. For the next several weeks I did not receive anything from them.

I had a Capital One card with 7.99 fixed Interest rate. I primarily used the card in case of emergency. I have had no need the use the card for the past few years and now they are closing the account automatically. Consequences: Pain going through an application process. 9.99 variable rate instead of the 7.99 fixed rate. Credit score dinged because they had to do a credit pull on my credit.

Closed my account. I had available balance of $10,000 with $0.00 owed and I had called months ago because my other credit card had an interest rate that was just a little lower and I called to see if they could match but couldn't. So being a wise person, I just used my other card with lower rate and left my Capital One open to keep my credit score up. Debt to available credit ratio. They sent a letter published on December 17th. I received today 12/22 saying they were closing account. I would have started using it if I would have been notified that it may be suspended if I didn't charge something soon. No help from customer service, or management. Very lousy customer service from all ends. No notice, no warning!

Capital One calls my home every hour asking for a Travis **. I have no financial obligations with Travis **. I know him through my step-daughter. I have tried to give Capital One Travis's phone number, his parents' phone number. Capital One continues to call. I believe this is total harassment.

I have a Capital One credit card that I have been in good standing with. A company got a hold of my credit card company that was a scam. They charged me for merchandise that I did not order, nor ever received. I disputed online, on the phone, and in a written dispute form that I faxed and mailed to Capital One. My card is still getting charged from this company and Capital One will not keep them from charging my card, will not refund my stolen money, and now they are not willing to close my account. I just called their 800 number and told the customer service man that I needed to close my account and he said there was no one there to do it and I would have to call back tomorrow. That is the second time I was told this. They refuse to close my account and I have had a little over $100 stolen from me and the company still has my card #. I need help!!! No one will help me. Frustrated...

I received a letter in the mail stating that Capital One was suspending my account for 60 days and then closing it after that due to inactivity. I called them and talked with a representative and he had told me if I use the card within the 60-day window period then my suspension would be lifted. I was pleased to hear this because this is my very first credit card and I would like to keep it open. I went to use it the very next day and it was declined! I called back up and asked to speak with a manager. As I was informed by her, the suspension would never be lifted and my card will be closing (to me it is already closed because I can't even use the card). Being a manager at my place at work, I was absolutely appalled at the way they speak to their customers or should I say former customer. She was extremely rude and as if I was bothering her instead of being apologetic for some inconvenience. I also believe that Capital One should have notified me within that 13 months with a letter of some sort about the lack of use on the card.

Always apps in the mail pre-approved then denied every week.

I received a letter today (12/20/08) dated December 17th, 2008 that my account was suspended and would be closed due to no activity. There was no prior notification that my account would be closed if I didn't use it by X date. The first person I talked to gave the "Oh, well, several million accounts are being closed in this fashion, so we couldn't possibly have gotten notifications out on time"... yet they got this letter about closing the account to me in three days? If I had gotten such a notification, I would have gladly found some trinket to charge to maintain the account.

Over the past four or five months, I have consistently made online payments to Capital One before the due date and they have not been posting to my account. As a result, I am being charged late fees and am afraid that this error will be reported. I have talked to account managers who will waive these fees but it is consistently happening and I know that I am making my payment online before the due date. I keep requesting to speak to someone who is aware of this error. They keep informing me on the correct process to submit an online payment - assuming I am an idiot and cannot make an online payment.

After having my application denied at an apartment community, I was given a copy of my credit report. To my as of 1/2008 collection agency. Could this mean Identity Theft or has Capital One Bank USA Na upped my original amount of 300.00 to $1739? In 2001 I had opened a Capital One credit card account. After a couple of months I called and wrote them a letter telling them to close my account. I was told that they had closed it. It was not until just recently that I have found out about the $1739 charges. How can this be possible?? I cut up the card in 2001 and never used it again. I tried calling Capital One, and the call was outsourced to India. The Rep whom answered stated that they could not give me any info of my $300 account that I had and closed in 2001, nor could they disclose any info about the $1739 charges. Help. What am I supposed to do?

Out of the blue today, I received a letter from Capital One stating that my credit card account was suspended and will be closed 60 days from the date of the letter. Is this legal?

Capital One approved a credit card machine. Approved two clients. Now has declined the transactions. We lost two clients due to their negligence! The credit card machine had another company name associated. Then corrected but still the information was incorrect.

I have/had a CapOne credit card which I had been paying off in full every month since I got it several years ago. Things got rough for me financially and I decided that I would call each of my creditors to work out a deal to lower my interest rates. No one was willing to budge. As a side note, I find it highly ironic and hypocritical each one of my creditors willingly asked the Federal Government for BILLIONS in bailout money, CapOne having been the recipient of $3.55 billion. So, as the debt started to mount higher and higher, I decided the best thing for me to do was call a counseling agency to help me get a handle of my accounts and payments. They successfully negotiated a 4% to 5% drop in interest rates for each creditor EXCEPT Capital One who is still taking their sweet time on my proposal weeks after the proposals were sent out.

Capital One. 3 accounts in perfect standing for more than 12 years. All accounts paid through phone rep, same call. One card suddenly has not been paid in 5 months. Capital One refuses to correct or adjust 5 months of $40 late charges, $40 over the limit fees and interest now at 25 percent. Further, card had not been used this whole time and had been reported lost/stolen. Cap One acknowledged, never replaced it and history of all three being paid. Continued to charge late fees and interest resulting in an additional 16,000 for 2008. Issue 2: Also no overdraft on all cards set by consumer on account. Yet Capital One continues to assess $40 over the limit fees despite yearly corrections. Refuses to credit.

My granddaughter got behind in her payments on her master card thru Capital One. My husband paid off her account of $879.64 on 9-12-08 and they would not close her account at that time as requested. We did not receive another statement until Dec. then they said she owed $110.20. We have spent 3 days trying to contact them for an explanation. Finally today we found a way to talk to an account manager. We were shuffled around for about an hour and no one could tell us exactly what the $110 was for. They said it was because she did not close out the account and something about protection plan, which she knew nothing about. I think they should be stopped from fraudulent charges like this, it should be illegal to do business and steal from people. It was so frustrating to try to talk to those people. Most were foreign people and were hard to understand. I feel we have been violated when we were trying to do the right thing and pay her debts. Maybe this was an expensive lesson for her to learn that you cannot trust large business to treat you fair.

Someone with a name near my name was in default with cc company for several years. A collection agency bought the account for 2 cents on the dollar and hired an attorney to go after ME. He filed a simple suit saying I owed the money without any supporting evidence that I was the one. But he was going to make me pay anyhow.

Our Daughter had a Capital One Credit Card, which she hadn't used in two years and had cancelled. Now she is getting billed an Annual Fee of $59.00 plus $30.08 late fee. Is this legal and will she just have to pay this? Thank You.

I think I have everyone beat on this one. My husband and I are trying to finance our first home and lo and behold there's a judgement on his credit report from Capital One. Now, I've paid almost (about 95%) our debt off already and am 100% sure I paid this debt as well. On the credit report, it only stated that there was a judgement, the amount, and the docket number. No stating which court, or who was representing them. We contacted Capital One and they have no record of my husband... NONE. BUT THEY'RE ON OUR CREDIT REPORTS LISTING A JUDGEMENT!!! They have no record so they can't take any action to have this negative information removed. They can't even tell us who they sold the debt to so that I may contact them for my paid in full letter. I have no receipt of said payment, and it's still showing as not satisfied... We're completely stuck. Screw you, Capital One, and the horse you rode in on... How about some real customer service?? If you don't have a record of said individual, YOU SHOULD NOT BE ALLOWED TO REPORT!!

We contacted them back in March 2008 to settle our account. We made arrangements for three payments of about $300 for Mar, Apr, May. In May our bank account was frozen (without our knowledge, consent, or being informed). When we found out we immediately contacted our obligations including Capital One and informed them of this. We asked if we could send the final payment as a Money Order. They told us that was fine. After they received the payment and we saw it processed I called them and asked how long before we get a letter stating the account was closed. They told me about 4-6 weeks. So we waited and nothing. Called back and they could find no record of it being settled. We did this about 5-6 time with the last time being December 10th.

I spoke with someone from India named Kallis ID # **. I requested to have my upcoming payment deferred due to financial hardship this month, more especially some medical bills that I needed to take care of. Therefore, I knew that I had been a good paying customer so I asked if I could have one payment deferred. He told me to send a fax requesting the deferment and the reason for the hardship. I did all this before the payment was due. I called back a few days later to make sure everything was in order. He said everything was in order and he had the fax and that I should assume that the payment had been deferred.

I am now on hold for 57 minutes, and the 3rd phone call to Capitol One. I noticed 2 adjusted payment charges on my account, one for $800, and one for $126.00 (not to mention the $39.00 over the limit fee). I have been unsuccessfully calling to find out the nature of the charges, to no avail. No one can tell me anything except it was used in the form of one of those checks that they send you with your statement. I never use those, the interest rate is too high. Apparently, this type of transaction is to complicated for the normal customer service person, and after going thru the regular phone number, and answering questions like, "do you intend to make a payment to bring your account current?" I get transferred off to a number that no one ever picks up.

Capitol One is making unauthorized withdrawals from my checking account and show no record of the transactions on their system. I have since contacted my bank and filed a dispute for the debits and asked the bank to block all ACH on line transactions from Capitol One. I have also deleted my banking information from their site and am in the process of transferring the balance and canceling the card.

My business collapsed. It was run by my husband. He walked out on the business one day, took a flight and left me with the debt. I am personally responsible for the debt which I have been paying over the minimum payment at a rate of interest 18.69% minimum payments 243.00. I pay a $ 300.00 monthly. I am a single mom raising two children. My income is less than my income was. Account has a balance of $9,564.38. I pay insurance on the account for 74.96 monthly. Contact 1888-527-690. Why? I don't know, because I was told I don't qualify for help on this account. Isn't insurance protection supposed to help people in times of need, such as closure, loss of income.

I've never had a Capital One card in my life! They called my cell phone up to ten times per day with the phone number of 1-800-something. Don't even remember since HAD to change phone #. Every time they left an auto message, "Hello, this is Capital One. Please call..." blah, blah. Then I would call, it would say, "Please enter your ten-digit card #", Like I even had a card #. Highly irritating & harassing. A CS rep from cell contacted them (he must have made a # up) & the woman was very rude! She was like "What's your account #, ma'am." in a snotty voice. I was like, "Quit harassing me. You have the wrong person." They said this is collections (no, really?) and she transfer me to customer service (or so she said) and no one ever picked the phone up. They're a nightmare & I couldn't ever be paid enough to have a credit card with them! Shame on Capital One for being big bullies!

They call me from 866 826 3453 ten times a day, 7 days per week, looking for someone i don't know. I told them stop I am on cell no call list.

A few years ago, my mother passed away as a result of medical malpractice. And as a result, I began experiencing depression and health issues. I had proof of my illnesses from my doctor and was paying for insurance on my Capital One account just in case I could not pay for just this type of situation. The problem began when they were denying I had the insurance even when it was clearly marked on my bill. Then when someone did finally acknowledge the obvious and the insurance company agreed to pay, some idiot turned the matter over to a collection agency.

I have a Capital one Credit card. It had a $3500.00 limit. I maxed it out and paid it off before. This last July, I reopened the $3500.00 account. Work was slow and my wife's kids were visiting from California and we needed for them to have fun. I ended up maxing out my $3500.00. My payments were $109.00 a month. I made a couple month payments. Then all of a sudden I was over the limit and my new loan amount was $3250.00. I started to get dinged with $39.00 late fees and $39.00 over the limit fees. I called Capital One and got India or the Philippines. I wanted them to put my limit back to $3,500 and take the fees off. This went on for another month and I told them work got slow and I wouldn't make the payment until they fixed the wrong they had done me.

They are the lien holders of my vehicle. I have experienced some financial set backs. When several days late on a payment and receive the initial calls, when I speak to the customer svc person and explain the situation and give a date and amount of the payment, the comment that is made a note will be made and the call ends. After 10 minutes another call comes in and it's another customer service rep. with the same speech. I asked if they read the contact log that was entered and that I've just spoke with someone. They answer yes, but say we will continue to call you until a payment is made. And the calls will keep coming in every 20 mins to an hour. Until I get someone will knows the law of only contact the debtor one time a day. They don't leave a message on the first or thirteenth call of the day. Their explanation is they have to speak with someone before the calls will stop. When they do speak with me, the calls do not stop.

Mid November 2008. I did contact Capital One credit card about an injured family member's account. I was then forced to get a court order making me the Power of Attorney in all matters for the family member. Now this company informs me they can reject the Court Order. Keep the card active and tack on charges and fees till that person ether dies or wakes up from their coma. And still expect to collect from that person or their estate whatever they wish to approve or charge to the account.

On a Capital One bill I received from their collections attorney, in fine print, it said the account is suspended because of two credit card numbers. I did not have any knowledge of these card numbers or where they came from. Then the interest rate was raised up to the 25% range. The card has the same payment dates as a Capital One card I discharged in bankruptcy years ago.

A Capital One sales person left a message on my home phone. I didn't want to listen to a sales pitch from their fraud department so I didn't call them back. I monitored my account daily and knew there were no unauthorized charges and the account balance was zero, so no issues, right? Wrong - Next thing I know, my account has been suspended and when I call their so called 24 hour a day service, I'm told to call back. SO I call back and get a different operator. This one tells me my account has been closed. Believe me. There is no viable reason for this action. I have a solid credit rating and have never paid anyone late. Don't know what effect this will have on my FICO score, since there is now a different credit use to available credit ratio, which is partially used as part of the FICO score.

I have had problems receiving bills. I have called several times. I asked for a copy of my bill and still never received one. I was told today by Dave at call center in India that my address was changed thru the post office. I do not want my address changed without my request. I moved 10 months to new address and was told my old address was put on my account 5 days ago. While if the bill was sent to old address I still would have gotten it because the post office is still forwarding mail.

I spoke to seven different operators, disconnected twice in the duration of an hour and thirty minutes. I needed to replace my card but the account was deactivated due to inactivity.

I don't know where to start. I have had problems with them not posting payments or waiting to post charges in ways that incur their standard late and over limit fees. They will tell you that you must have your card balance under the limit by the due date. What they REALLY will do is charge you the moment your balance goes over. They are crooks. Find a different card!

We opened a credit card with Capital One at 0% to give us a little room on a few things. We made 2 charges on the card then I found a better offer so I canceled the Capital One card. When I called and found out there was a membership fee that was never explained upfront, which I was able to get waived. A couple weeks later, we received our statement and the bill was due that day, I tried to log in online but you need the credit card number, expiration date, and CID to log into your online account. I had since destroyed the card... Ok my bad on that, but they don't need that info to receive a payment over the phone now do they? What they do need is a $10 fee to pay by phone, I was able to get this waived as well because they were unable to give me the info to log into my online account. PAID, done, right? Negative.

To Greg in Tallahassee - I thought I was losing my mind - my credit card bills have been coming in late, or not at all. This has happened not only with BOA but with Cap One. Not that it's good to hear it was happening to someone else, because it isn't - but at least I don't think we're the only ones. This is highway robbery - and it's got to stop.

I applied for a credit card, didn't get approved even though I have a totally clean record with all three credit reporting bureaus. I owe no one money and have never in 73 years been late on a payment of any kind, own a paid for car and a paid for home. I had one credit card, an Aspire that went out of business and cancelled all their cards. I never had any trouble with them at all. I see where you people have a terrible track record in how you treat people, and I am so glad that you turned me down. Thanks for nothing.

I had received a card offer of 0% and it was great until you're late one time. That’s when everything goes bad. It goes from 0% to 24.99%. What a joke and not to mention a real rip off. CAPITAL ONE is a real scam. I've had several problems with them like late charges of 39.00, over limit fees the same. I hope I don't have a problem like I’ve read about closing my account once I get it paid off.

I applied for a Capital One Platinum Credit card online for the 0% balance transfer and no fee offer. When approved, I transferred $15,000. Upon receiving my statement, I was charged a $39 account fee and 9.9% interest on the transfer. I see now from reading posts this has happened before. When I called, I was told this was what I had applied for. I said, why would apply to transfer funds to a 9.9% account when I could get 0%. The Supervisor Indian rep also said I had a World Master Card. I said, "no, it's a Capital One Platinum." I'm holding it in my hand right now. He said he check my application and the card I received was correct. He said they would investigate and call me back. I never received a call back. I also requested help from their online messaging service but never received a reply. I never received a call. I'm closing the account. This is blatant fraud.

I made payment arrangements with a representative from Capital One last week. Every day, for the past 7 days, I have had phone calls from representatives from India, the Philippines or elsewhere, demanding that I make arrangements to pay. They then look at the account and see that the arrangements have already been made. Each time they ask me for my social security number, which I refuse to give them. They also insist that I provide my current address etc. Next month, when I get my tax return, I plan to close the account. They are a nightmare to deal with. When you call the customer service number on the card, you get outsourced to a non or barely English speaking person who will not listen. I feel harassed. I've made arrangements to pay and yet I keep getting calls, sometimes 2 or 3 per day. I just told the latest caller from Capital One that I was going to lodge a complaint against them. I went online and found this website ergo my complaint.

I owed my credit card company $250.00 this billing cycle. When I logged on to pay my bill, I noticed that they had posted a charge of $2,795.05 to my account, & disabled my account from online usage. I can't even view my past transactions or dispute the charge on their website (capitalone.com). This was done without my knowledge. Had I not logged on, I wouldn't even have known that my account was charged such a large amount. Is this legal? Can my credit card company just post a charge on my account out of the blue without informing me?

I resent the fact that the English speaking employees of Capitol One are loosing their jobs to an OUTSOURCED entity. The biggest challenge I face with my Cap 1 account is that I do not find it easy to communicate with someone that has an accent in their speech. Bring it on HOME; we need it here now - more than ever.

It is not the first time that Capital One charges $39 for late fee, even when I mail my payment more than 1 week before due date. This time, out of a bunch of checks I mailed, only Capital One did not receive theirs. Today, December 4th, I received my statement due December 8th!!!? Of course, the company will charge me again $39 late fee. This credit card company is dishonest & very tricky, managers and supervisors rude. It should be closely supervised by the appropriate authorities.

Due to health problems, my wife took over the family finances. When it came to light in March of 2008 that she had fallen behind on several of her individual credit cards, I stepped in to find solutions. All creditors except Capital One agreed to payment plans. Attempts made in March, April, and May of 2008 to make payments and set up a viable payment plan were rejected by the service center. Attempts to contact the collection department were rebuffed. In September 2008, lawyers for a firm in AZ filed a lawsuit on behalf of Capital One for the amount of the bill. Capital One avoided contacting us to work out a solution and we now face a lawsuit. Attempts to contact Capital One legal department to verify the lawsuit were ignored.

I used to pay my entire monthly balance off with Capital One, yet I'd still find I had finance charges on each month's bill. When I called, I was told that Capital One's policy now provided for charging me interest from the date of purchase. I argued that no credit card operated in such a manner. I was told this was how my account now operated and if I didn't like it, I could go elsewhere. However, I will say they offered 14.9% interest for the next three months at the end of the monthly cycle when my prior interest rate had been 9.9%. In my opinion, big deal. I've also had a few customer-service experiences over the past 3 years where employees have been downright rude and hostile.

There were fraudulent charges on my account. A Fraud investigation was opened and closed with the end result that I owed nothing. One month after it was closed, I began receiving collection calls and they continue to come 3 months later. I have spoken to dozens of people who say they see what happened and will fix it, but it doesn't get fixed. On 11/10/08, I spoke with a rep who said that Capital One had put the charges back on my account in error and they would be removed. I requested a letter stating that I owed nothing and the account was closed.

After reading all the Capital One reports, I have one to report. My mother was in a nursing home after a stroke. She got a letter addressed to the nursing home telling her that she owed several thousands of dollars. My mom was 83 and has never had a credit card of any kind. I called and the girl said someone had probably stolen her identity. I told them not to call or send any more mail as my mom could not read or answer the phone. I was told that it was up to me to correct the mistake. I told them it was not my account and they could straighten it out. She still got letters trying to collect the account.

Capital One TV commercial using Santa Claus figure to create a custom Capital One Card sucks. I tried to complain about the commercial and could not find any way to enter my complaint on their website. We will cancel any of our Capital One cards tomorrow! The idiot in a position of responsibility for this commercial needs to be fired. Hey, I know this isn't a big deal for you guys. It is just I couldn't find anyone else to ** to. Thanks for listening.

I cancelled this credit card last year. Suddenly I was getting bills in the mail from them - first $49 for the annual fee, then late fees. In a month I supposedly owed them $64.70. I called to find out what had happened, and the supervisor said that due to a computer glitch many accounts that had been closed were re-opened.

I am trying to call to get fees waived. I pay my mastercard on time, they keep adding fees 39.00. My bill is not going down at all. Now the phones are not working and they do give me the runaround.

I paid off my Capital One card in the summer of 2008. I made arrangements to settle the account with Capital One. I did this and thought that it was all taken care of... I thought wrong. Now, four months later I am getting calls from a collection agency that they deal with telling me that I still have a balance!! I asked why after so long why I was just now hearing about it. I was told that they had tried to contact me, they of course had not by phone, email or the US postal service. I was told that that is not the issue. I owe them money and needed to make arrangements right now... I asked for Capital One's phone number and she refused to give it to me. I do not have the card anymore because I destroyed it after paying it off. I am furious but concerned that I have no recourse since I have nothing in writing.

I have been trying to close my credit card account for months. I do not owe them a dime and I keep calling to close the account. They tell me it's closed and I receive a bill with a zero balance. They are sending me mail I do not want any part of them. (Not to mention the lack of respect for the planet.) How can I stop this harassment?

In August 2008, I applied for a credit card with Capital One. I received correspondence from them requesting me to mail them a copy of my Social Security Card and Driver’s license, since they could not verify my information. Since I still had a limited credit history, I accepted the request as reasonable and mailed the documents. About a week later, I received another letter confirming the receipt of the previous documents, but indicating they also need to verify my address, and I need to send a copy of my utility bill as well. A bit annoyed for not being asked to send this with the first mail, I obliged and sent them a copy of a recent utility bill. About another week later, my new capital one credit card arrived in the mail.

I have been a happy Capital One customer for many years. I have 2 Capital One credit cards - on which I usually pay off the full balance each month. I now wish to register an official complaint.

I received an offer in the mail for a 0% credit card for balance transfers from another higher-interest card, which said I could apply by phone or online. I applied online, but there was no place in the online application for me to enter the reservation # and access code that they provided in the offer letter. Nonetheless, I thought I had applied for the same card referenced in the offer letter. When I got my first statement, I realized it was not the same card, and I had instead applied for a card that had 0% on purchases and 9.9% interest rate on balance transfers.

I always pay my credit card bills on the first of the month and suddenly started see late charges of $35. When I called to inquire, they said that unless I pay after my statement is released on the 5th of the month, the payment is credited to the previous month and hence a late charge. I pointed out that I was actually prepaying each month and they were then assessing a late fee. While they were willing to remove the late fee for two months, they still won't accept my payment before the 5th of every month.

In January, 2008, I started contacting the Capital One dispute department regarding charges totaling $2,050.00 for an upper denture and lower partial made by Auburn Dental Associates in Auburn, NY. I was told that all I had to do was write a letter telling of my reasons for filing the dispute and the amount. I waited until May 2008, to file the dispute as I wanted to be fair with the dentist. The dentures did not fit. So bad that my gums would bleed.

I lost employment and couldn't pay my credit card bill. Limit was $300. It's been a year now and today I received a bill from a collection attorney representing Capital One for the amount of $889. They have continued to charge my account over and over with almost $600 in interest and late charges. Is this legal?

I missed a payment because I received no statement one month and then was unable to make the necessary payments to keep the account current as I continued to rack up over limit fees and past due fees. The account had an initial credit limit of 500 dollars and now within a 3 month period due to finance charges and overlimit fees and past due fees, the account is at 1065 dollars. I attempted contact Capital One as I picked up another job to help get caught up and they turned me to a collections agency that told me if I made three payment of $230 each over a 7 week period that I would be able to bring my account current. I told them that would not be possible and they told me that would be my only option. I offered a message on their online message center indicating I would be happy to pay a reasonable amount in these charges on Nov 14 . I have not received anything back from them. I just recently read a book that indicated they were very difficult to deal with. In these circumstances, would probably result in some type of action against me.

A WARNING TO ANYONE WITH A CAPITAL ONE CREDIT CARD. I have had my credit card for just over a year now. I recently started receiving calls offering me "free gas", saying that I had been chosen for being a great customer of Capital One. After the first few calls, I did ask what this involved - the usual 'Free' trial services that you could cancel at any time. After refusing the services with the girl on the phone, and her supervisor, I asked to be taken off the list. About 8 weeks later, charges appeared on my statement for fraud protection (Oh, the irony), a discount club, and something else - arranging from $19.99 to $25.99. These were the same services I was offered for being a 'great customer' and no, I never gave them my credit card number. After the fraud situation was sorted (they refunded me the money very easily!!) I still received the phone calls. Just to be sure, I ordered a new card with a new number, but I still get the calls!

Well they kept charging a $35.00 overlimit fee after we had called in and asked accounts to be closed so the overlimit fees would stop. We sent money every month on account. Now we have a lawyer contacting us saying they can take our income tax checks.

CAUTION with Capital One: These days, huge interest rate hikes without warning, they are looking for any reason to do so, and could care less about you. Gotcha! 7 year loyal customer, $5K balance, interest rate at 11%, rate increased to 24% because we were 2 days late on last payment. Took it up to highest level supervisor. NO help, our loyalty, our good credit history equates to nothing for them. Even in today's difficult economic times - they could care less. Gotcha! should be their new tag line on commercials. Beware!

Primarily I was using my Capital One Master Card to automatically pay my local newspaper $11.61 a month. The last statement I received from Capital One was for $58.56 which was paid in full Feb 11, 2008. In late April 2008 I received a telephone call from the newspaper advising me that Capital One would not honor my card to pay $11.61. The following day I contacted Capital One and was advised that I had a overdue balance of $85.00, which I disputed, and requested a statement. I heard nothing from Capital One after that.

Kal called my office on 11/20/08 in regards to an unpaid debt. I told him that I could not receive personal calls at my office. I openly gave him my cell phone number and asked that he call after 6pm. He said his office would be closed by then and if he could call in the morning. I told him he could call anytime after 7am. On 11/21/08, I did receive some restricted calls on my cell and 2 voicemails.

My car payment is 5 days late and I am receiving 5-10 collection calls PER DAY because of it. They keep switching up the phone numbers, but each call is from them. They are calling my CELL PHONE.

I used to always pay my card on time and once a year pay it off, then use it again through out the year. I had a 500 dollar limit. My husband's hours were cut at work, so we went through debt consolidation and was told while in consolidation, I wouldn't receive any fees such as late fees or over the limit. That was a bunch of crap. So every time the consolidation group paid them the debt never went down, in fact it went up every month.

I had a Capital One account for a few years and paid off the account in 4/2008. Never had any trouble with Capital One, except the hidden fees and high card interest rates. So, I paid off this account and called them. After waiting for a long time on hold, I instructed the Capital One agent to close the account and send me a letter verifying the account is closed. A few months latter, 7/2008, I finally get a letter from Capital One. It was NOT the confirmation of account closure that I was waiting for, instead I was greeted with a billing statement for a membership fee on an account that I had closed, not used, DID NOT request, DID NOT sign for.

I have been SLAMMED with over the limit fees sometimes 2 in one month! I have called them and they refused to work with me. The fees keep piling up due to things I did not ask for such as credit inform and payment protection. They keep adding these charges to my current account from previous months which in turn puts my account in over the limit status.

In March 2008, I contacted Capital One to close my credit card account that had a not-so-ideal APR and a sub-par credit limit. I hadn't used the card in over six months and I had acquired better cards over the years. In May 2008, I was still receiving statements, with no balance, so I called again and was assured the account was closed. In early October, after around five months of no correspondence (I had even been locked out of the company website), I received a statement via email (and four days later via postal mail) indicating that I was carrying a balance as a result of the Capital One Member Fee.

In the beginning of August, I lost my card, I immediately reported it lost & was told that the card would be frozen and I'd be sent a new one. After 7 phone calls, over 2 months, each receiving responses that this is new information and I will be order a card, etc... I finally said I cancel all continued service with them and any charges after the loss are not valid. Now, they wish to investigate the transactions of 4 months ago - stating it is my signature on the receipts... How am I supposed to remember? All I remember was I lost it, reported it, never got a replacement, called numerous times, & went through the reporting process over & over... All customer service calls were being received in India

In 12/2007, I closed my older Capital One credit card and opened a new one with a lower APR. Letters and CSRs confirmed this. After 30 days, I received calls from the collections department that my older, closed card was past due. After contacting Capital One numerous times explaining this to them, I was informed that the older card had not been closed out properly and as a result my credit had been negatively affected.

I received a bill from Capital One for $19.00. This was the yearly fee for using their card. I mailed the payment 4 days before it was due. Capital One said it received the payment 2 days late. I have mailed payments 10 days before it was due and they have listed them late. When I called to find out if they would drop the $15.50 late fee on a $19.00 bill I had to go through 2 people to be told that once in the past I have had a late charge removed and I used up my only one. Even though this charge was not for any product or service other than Capital One's charges. So as Capital One refused to work with me I closed the account.

Approx. 5 years ago, I had two Capital One cards. I paid one off by an an electronic debit of several hundred dollars. I have bank proof of that. And then later on, I paid off the second through a group of lawyers. I also have proof of that. I know I had only two cards and have paid them both off, but they legally forced me to pay off a third account, which is almost paid off. But I know I had only two accounts.

Capital One run over East time, so if I paid later than 3 pm east coast time, they charge me for late payment $39!!! I paid after back to work and later representative ignore me two times over the phone!! Now I gonna pay over the phone and give a hard time with every single payment until finish my grace time (February 2009) and I gonna cancel that piece of **.

This number keeps calling my 12-year-old daughter's cell phone (800) 955-6600. I talked to a live body on 11/06/2008 at 7:25pm and told them to they have the wrong number and told them to stop calling. Since then she has been called by the number on the following dates and times: 11/14/2008 8:32am and 3:34pm and 6:19pm, 11/15/2008 8:24am and 2:58pm, 11/16/2008 9:21am and 12:12pm. Could you get me the phone number of a VP at Capital One so I can call them repeatedly and tell them my 12-year-old does not have a credit card or owe them money?

I'm writing on behalf of a family member who is absolutely destroyed now that Capital One Bank has taken over North Fork Bank. She is employed at a call center environment, with 60 plus calls waiting a day at minimum. With a service level of 30% when it's supposed to be around 80% or higher. The minute one call ends, another one follows, without one second in between. Its nonstop. They cancel morning breaks a majority of the time out of the week, if call volume is high. I feel Its very essential that they receive all breaks due to the high call volume. The managers don't allow you to have 2 seconds to yourself.

I accepted a $300.00 unsolicited credit card from Capital One back in 2003, and it's been a huge mistake ever since. The account was paid off and closed in 2004. Capital One has continued to haunt my credit reports by saying the balance owed is $1,918 and there was a charge off of $877. On my Equifax & Experian reports, it shows the account as being closed but Capital One still shows payments being received. On top of that, they show charge offs in between different months on the 81-Month Payment History, and they show the latest charge off being November 2008. How can they charge off something that was already CLOSED years ago?

I have been a Capital One customer for four years and never once made a late payment to them but last year, GMAC goofed and accidentally reported me 30 days late to the credit bureau which of course lowered my credit score. Capital One noticed this and decided to raise my interest rate from 18% to 28%. GMAC corrected the error but Capital One refused to lower my interest rate back to where it was. The guy I spoke to at Capital One could barely speak English and was very annoying and unpleasant to say the least. I only owed about $400 on the card so I paid it off and told them to close the account. I know that Capital One didn't do anything illegal but it was unethical and it was even worse that after the error on my credit report was fixed, they still refused to lower my interest rate. This company sickens me.

In October 2008, I received a statement from Capital One for a credit card that I had never applied for or opened. I called on October 16, 2008 and had them cancel the card. I received another statement from them in early November.

Capital One Auto Finance is the lien holder on my auto loan. Sent insurance check to be endorsed and returned for auto repair after an accident. Called customer service 4 times to see if the check was received. Told 4 times that check was not received yet. Found out that Capital One Auto Finance not only received check but cashed check. Called again, to have the money refunded to Auto repair shop. Was told by customer service body shop would be paid in 3 days. Spoke with a supervisor at the call center, who identified himself as Stephen. He provided with a phone number ** (direct line) to call back if I had problems. Called the number, disconnected. Call again, told it could take up to 20 more days before the auto body shop is paid. 45 days and counting, no body shop has not been paid. 8 calls to Capital One Auto Finance. The Ontario Canada call center has the worst customer service. They sound pleasant and knowledgeable but are quick to give false and inaccurate information to get you off the phone.

Several months ago we stopped receiving monthly statements. After we noticed the omission, we called the first time and were told that we had a late charge. When we argued that we had not received a statement, the representative said he was going to erase the late charge if we paid over the phone. When we refused and agreed to pay through our on-line bank service in a few days, they agreed. We did so with the expectation that we would receive a statement showing no late fee. However, since then we still have received no monthly statement so we have no idea of what charges they are attaching to our account. Each contact says that they will sent a statement and then request a phone payment. We have refused until we receive a statement.

I called Capital One last year (2007) to close my account. This is a account I do not use and was in shock when I got a late notice from them billing me a service fee on my account, so in addition to the service fee they charged me a late fee. They at that time refunded the fees and told me they would close the account and to cut up my card, which I did. Well, here we are again in the fall of 2008 and the same thing happens. I thought this account was closed, but they never closed the account, so it remained open and then again I was charged a service fee and another late fee for I had no idea this account was still active.

I was given an offer to transfer the balance of my credit card with Advanta to Capital One and receive rewards for the transfer and be assessed the interest rate of 9.9%. The rewards were never applied and now they tell me that they never will be because that is not available with balance transfers.

A credit card was taken out in my name without my authorization or consent. I realized this once I ran my credit report. My husband and I called Capital One repeatedly without much luck. We called about 10 times and each time transferred to one person who transferred us to another person who transferred us to a department and then back to the original person we spoke with. Each call lasted close to two hours.

Before my husband of 28 years passed away 9/08, he saw a tv commercial for a class action suit against Capital One. I am interested in joining it. They have used all of these treacherous tactics on me, as described above. They have gotten a judgement against me for $5000. They never rectified the problem they caused, yet they kept jacking the costs higher since '04. Finally today, I contacted their Bull/bill collectors, Pollack & Rosen, attys-at-law.

Many years ago, I received an unsolicited Capital One Visa card with $100 credit limit. I maintained this card only using it for emergencies with no problem. It wasn't until I lost my job and was only able to pay minimum monthly payments that this situation GREW out of control. I was constantly faced with over the limit fees, late fees, an astronomical finance rate of more than 21% a monthly service fee (just to keep the card) and some more stuff. When I asked Capital One to close the account, they told me they could not do that, but what they did do was to continue to charge monthly fees on the card. They would not accept or make payment arrangements... it was all or nothing.

I have had a money market account with Capital One for several years. At the end of last month (October), I purchased two CDs online. All of a sudden, last weekend, all my financial accounts info was deleted from their website. When I called (from overseas, 25 minutes on hold) I was told, I could not be an account holder though I am retired US military and have my mail sent via US mail to an FPO address because I do not live year round in the US. So, for those active, reserve and retired military, my advice is not to patronize Capital One or their products.

I opened an account with Capital One Bank and they ate my head up with the free rewards checking account so I accepted it and then they started saying that I owe them money for overdraft. I paid the amount they told me to pay and I added money into my card so what I was spending on my card was what I put in it. They said I was using their money. Now I owe 211.00 and I don't think it is right that I have to pay for any overdrafts I didn't do, and now I have bad credit because of their mistake. Now I can’t get an apartment because of the fact that they made me get bad credit. And I am upset because that just isn't right. I need help because I don't want to get in trouble because of that unpaid bill.

Two years ago, we moved from CA to WA. The moment we received our new phone number, we began receiving as many as 15-20 phone calls daily from Capital One. We told them we were not the party they were trying to reach and each caller said they would put that info in their report so we wouldn't be called again, but we were. With our caller ID, we decided to stop answering any toll free calls, since our experience told us it was Capital One.

Okay, so when I was 18, I got a card with Capital One. It had a $200 limit on it and being only 18 and thinking I was a hotshot because I was the first in my circle of friends to have a credit card, I was whipping it out everywhere, paying for things for all of us. I wound up $7 over the limit and of course incurred an overlimit fee. Okay, no problem, my fault. So, I paid the entire balance about a week after I got my statement, including the overlimit charge. Apparently, there was a 'delay' in the mail delivery and they didn't receive it until after the grace period, so they charged me a late fee on top of it.

I applied for a $300.00 dollar limit visa credit card with them and used the card and max card to the limit. I was making payments on it and sometimes was late. Every time I looked at my bill the interest rate kept increasing and late fees increased and it seems like no matter what I would pay the fees kept adding up. Also, they charged me a fee just to keep the card every month $6.00. They would want me to pay in full in order to keep fees from adding up to my balance. I could not pay in full; I only could pay the minimum or little more than the minimum. I just felt trapped like I would never be able to pay them off with all those fees, so I stop paying them.

I lost my job to Mexico and I ask Capital One for help. Instead they told me they do not consider losing a job was a hardship and now I get hit with over the limit fees each month and they jacked my interest rate to 24%. So each time I pay $45 they charge me $39 OLF and $23 in interest. It is making it real hard for me to stay afloat.

I am getting calls starting early in the morning, 2, 3, 4, even 5 times a day. I never have had, never will have a capitol one account. Usually, I ignore them but I'm fed up. Today, I picked up the phone and said don't call again. About an hour later they called again. They asked for my son - he hasn't lived here in years. I told them don't ever call again. The guy hung up on me. DO NOT EVER CALL ME, DO NOT SEND ME ANYTHING IN THE MAIL, EVER EVER EVER AGAIN! If I hear from Capitol once again (except one email response saying Yes, Ma'am), I will file a complaint with New York State and any other appropriate agency.

I closed my credit account with a positive balance of .50 cents with Capital One in April of 2007. Received a check for the .50cents. Moved in Aug. 2007, never hearing from them again. UNTIL Oct 2008. Collections called me on my cell phone. I had a balance of $201 and they wanted to know when I was going to send in my payment. I explained that I closed this account and she said she had no information about that. I asked to speak with someone from Capital One who did and she said that I wasn't going to be able to talk to anyone outside collections as everyone was going to send me back to them, and she was right.

I paid off my balance on Capital One card and overpaid it by $233.88. I've requested the refund on October 02, 2008 and as of today 10/04/08 have not received the check. I've contacted Capital One for more than 5 times and there is no definite answer on when I should get my money back. Shame on Capital One.

I did a balance transfer to a new Capital One credit card that was to be a no interest card. They waited six weeks to send me the first statement and then falsely claimed that I missed a payment. "Oops," it says on the top, "you're behind by a payment"! Of course they never sent the first statement and when I called and pointed out there wasn't even time in there to have been billed a first statement I was put on hold forever, Then transferred to a different manager, and when I inquired when they sent the first statement and she replied, I pointed out it was the day before the balance was transferred. And there was only two weeks between that date and the date of the statement I was holding - so how could a statement have been sent in that amount of time?

I got charged an overlimit fee on my Nov. 3rd statement due to a supposed late online payment (by 2hrs). I have never been late with them since I had this card. All of a sudden I got a letter from Allied Interstate demanding payment in full. I called them and they said it was because I was over limit. I never got anything from Capital One except my Oct statement due by Nov 3rd. It said I owed $15.00 payment nothing else. I paid $15.00 payment online on 11/3/08. Then they sent it to collection agency. I think this is outrageous. I read a lot of complaints online about Capital One. They should be closed down. I am cutting up my card.

I had a car through them.Then I started going through a rough time. Missed a few payments. Then they took the car. Then I came up with the cash to catch it up, they said it was too late. Now they screwed up my credit report.

Capital One continues to charge a finance charge on a cash advance from July 2008, even though the entire balance was always paid off each month. Every call is met w/ a rep who gives me the run around, and requests for a supervisor is met with a hang up or waits for almost 30 mins.

It started with using the card one day to buy gasoline. The card was declined. My husband called and they asked him for the number on the back of the card. He didn't know what they were talking about, so they asked him some of the security questions. I had set up the account and the security questions were for me, so he answered them incorrectly. So they put a hold on the account. I called and they refused to let me answer the security questions because he is listed as the primary card holder. They said they had to have a copy of his driver's license, a copy of his social security card, and a copy of an utility bill in his name faxed to their office. I did that. Another company rep called my husband and started asking him all kinds of questions about our home mortgage and other credit information. He eventually hung up on her. All of our accounts are paid. We owe no money to Capital One. We just want to close the account and they won't do that.

After over 20 years with unblemished record, I was defrauded by local business. Capital One supposedly performed investigation and turned me over to collection agencies. The truth is I was defrauded and never received anything of value. I've repeatedly attempted to get results of investigation but have been stonewalled for over 1 year.

Overcharged me on finance charge. I paid the full amount within grace period, but did it in two payments. I didn't know they would start charging a finance charge as soon as the first partial payment arrived. I think that practice is atrocious, but it is in the fine print (now that I have read it). But fraud came in when they charged me for full amount for full month, when the fine print says they will base charges on daily balance (which went way down after the first payment was received). They are just stealing money - how many people has this happened to that didn't catch it?

Capital One gave me a credit card with a $2000 credit limit. The first statement showed me spending $1500 & they added a $39 overlimit fee when I DID NOT go over the limit. When I called they stated they would take it off and they never did. The next month's statement showed that they never took it off & the next statement had a balance of $600 & another $39 overlimit fee. I called and they are not taking the two overlimit fees off. They are deceptive and refuse to take the fees off. They are not to be trusted.

I received a statement saying they were raising my interest rate to 12.50%. I called and ask them why. I was told they were raising everyone's rates, it was either pay the higher rate or close the account which I did on 3-12-07. They lied, they are still giving 7.50%.

Have had four Capital One Cards which I used on a rotating basis (pay one off, use a second). Came into a windfall and paid all cards to zero. Credit rating is in the 800s. Sent an e-mail requesting the four cards be consolidated into one. Received an immediate no-reply message telling me to call the 800 number which is answered in India. The first attempt was met with me talking to an undiscernible correspondent who cut me off after 30 seconds. The second try was met with the recording of an Indian gentleman who said all communications with India were temporarily disconnected. Next, attempted to communicate with the company via snail mail. Gave them three months to complete this consolidation. They missed the deadline. Heard nothing from Capital One. So I cancelled four cards. A final call to Capital One and I actually reached a man who sounded like a U.S. Citizen (or Canadian). He instructed me to call another 800 number. That 800 number to India was temporarily disconnected. Presently, all four accounts show up on the Capital One Website with an asterisk telling me to call that familiar 800 number.

I am being held liable for fraud charges made on my credit card account. I have attempted to point out to them that my credit card has never left my possession and charges are of amounts that are of a value that all took place on the same day and at type of business I do not normally use credit card with (being supermarkets). Asked them to review my spending habits but no response other than I will be liable until I prove to them different. I have contacted police dept. of 1 of the cities where fraud took place which they advised me to also contact Federal Trade Commission. I attempted to contact merchants where it all happened and they just refer me back to Capital One. Please Help.

I had four credit cards, all with a limit of $1,000 or less. I paid off all of my cards and notified the company, then moved out of state. I had a forwarding order with the postal service. I recently moved back and found bills for an annual membership fee and late charges that totaled over $500. I called the company and they said they had no record of me closing my accounts. They hit me four times for annual membership fees, plus late charges. There had been no activity on the accounts since I closed them.