Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

My problems with Capital One are:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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