Capital One Reviews

Nothing was done, they are still holding my payment for ten (10) calender days. I have yet to find anything stating this policy and I want something done!

I then got a letter about a week later from the same person who called me about the fraud originally. It said there was suspected fraud and that a hold was on my account, so I needed to send in a copy of my driver's license, social security card, and recent utility bill in order to get the hold removed. I just got this cleared up over the phone allready, and why would they need all this stuff just to verify it was actually me that made the charge? This time around the number that they told me to call was again not the same number as on the back of my card, so I called that number and asked what the deal was with this letter I got, and the guy told me that I can disregard the letter, because it was just automatically sent out to me when the fraud dept. originally called me, and that there was no hold on my account.

Fast forward a week. I was trying to check the account I had set up online through their site, and I got a message stating that This account has been restricted. So I make the dreaded call to Capital One to see what's going on, and start talking to one of their many outsourced employees who I can barely understand. I told this guy what was going on, and he comes back saying my account has been closed. So I told him that I had allready got this fraud stuff straightened out, so there must be some kind of mistake. He wouldn't tell me the reason it was closed, so I asked to speak to someone higher up. I waited on the line for about 5 minutes, then same exact guy I just talked to comes back on telling me my account had been closed, like I hadn't allready heard him tell me that ten times 5 minutes ago.

After that I decided I wasn't gonna pursue that any further, I didn't wanna deal with it. Guess I should've checked out all the horrible reviews and consumer complaints about the arguably worst credit card company ever before applying for this thing.

tried contacting them again, to see why they kept tacking on late chgs and over the limit, now we dont even use these cards we dont even have them, or use them, cant seem to get in contact, or if i do they dont return any calls, im sick of this. wished i had never even trusted this company to be a good credit card

well its ruined our credit, they keep screwing with the interest, ive had it, im on so many depression meds im not sure i can even afford those anymore.

This year, around tax time, I recieve a call from a Collection Company that said they wanted to settle for $1500. I said I would love to do so as I do not want this haunting me any longer. I offered them $400 from my tax refund...and they refused!!! They told me I had to pay $500 per week for the next 3 weeks! I kindly told them that I do not even make that kind of money and could not agree to those kind of arrangments. They told me I should have gotten a better job, and I would not be in this mess! Yesterday I was served with a suppoena to appear in court in 12 days regarding this matter. However now they are demanding 3900 for a $1000 card that should have NEVER gone over the limit, not to mention that within the last year they have tacked on another 1200 in interest alone.

I am very nervous about this and have never been to court before. I do not know what to do and feel helpless. I have never even set foot in a court room before! As if its not bad enough to kick a man when he's down, but now they are saying they are going to garnish my wages, put a lien on my car and/or my taxes. How can they say that I owe $4000 for a 1000 card that was charged off? Not only that, but to have lied to my face like that...this disgusts me

Because they did not keep their word to me about the insurance coverage, my credit report has suffered as well as my home life because of unpaid finances and harassing creditors.

althought Capital one apologized i still had to pay all fees and the rep who wrote the notes in the system mysteriously does not work there anymore so they are still after 2 years charging me. Another time the tow truck broke the door handle off of a garage where they thought my car was.

Another time they came to a home that was not mine but insist that i live there and was turning door knob, kicking door, and banging with hand saying i know your in there. i dialed 911 and police did not catch them but they saw them speeding away to avoid police.

They ended up getting my bank account number wrong, and declining the settlement, for 2 months they gave me the run around, and said they could no longer do the settlement! I told them it was THEIR mistake of getting my bank account number wrong, and they need to fix it and I refused to pay on it. Well they fixed it alright, my paper statement says I owe them $290, and THEY are telling me I owe them $454! I absolutely refused to pay it until they can get my paper statments fixed! To this day I refuse to pay it BECAUSE of their mistake!

My credit limit is so [bad] now, I applied for a new car loan, and was refused, I can no longer apply for anything, besides PAY ME NOW stuff.

I called the customer service number on the back of the card and after going through sevel levels of auto-attendants, I finally got a live operator overseas who said that i was all set and to go ahead a try again to put through again. I tried again and was denied again. I called back customer service and they said they would put me through to a customer service specialist. They put me on hold and after 10 m9inutes, I was cut off. I tried again and after 10 minutes got a live operator who again put me on hold for another 10 minutes. I then got an account specialist who told me that I was all set and to go ahead and try it again. I tried it again and it was denied again. I finally gave up and used my CitiBank card and it went through first try.

The company in England that I was trying to pay sent me back emails after each failed attempt stating that my payment was denied and asking me to please resolve the matter immediately. This was highly embarrasing and may have damaged my reputation with this company which is my accreditation organization as a business advisor.

Last month, I ended up owing $796 on a 750 card. I sent them another $100.00 dollars, and they charged another over the limit fee and another credit information and a finance charge which left my balance at 749.47. It wasn't even over and they charged a late fee. They've charged 3 or 4 of these $39.00 late fees and they invented all of them. I have never overcharged the account and I haven't used it since it went up to $745. Ive paid 3 payments totalling a couple hundred dollars.

Well, I should owe them about five hundred dollars, but they say I owe them $749, and I'd be willing to bet they will tack on another credit info fee and a late fee before I can get a payment in to them.

So, I made a 3 way phone called and he authorized me to speak with the representative, she was unable to help due to the fact that I dot have a power of attorney on file. My question was can we make payments and plase stop this account from accruing fees duie to his health condition...they answer no. He is already transfer to the hardship department. His APR went to 25.15% and they will not stop hammering him with late fees. They wanted 200.00 ONLY in excessives fees in other to stop charging him with more fees !!!

Is being 3 weeks since then, I decided to contact them again today and again I was told NO we need tospeak with him. So, I made a 3 way phone called and he authorized me to speak with the representative, she was unable to help due to the fact that I dot have a power of attorney on file. My question was can we make payments and plase stop this account from accruing fees duie to his health condition...they answer no. He is already transfer to the hardship department. His APR went to 25.15% and they will not stop hammering him with late fees. They wanted 200.00 ONLY in excessives fees in other to stop charging him with more fees!

Again his APR went to 25.15% and the account got closed by them, credit of course ruin, and this account will continued to accrued excessive fees..My dad now knows about this situation and can have serious (more) serious consequences... He is very ill already. this is ridiculous.

I received my monthly statement and and noticed my APR was as 12.65, instead of the 9.9% that we agreed upon. I called Capital One and talked to several people and finall got a account manager who after much conversation, told me that when I negotiated the lower APR and balance transfer, the lower APR was submitted for approval and declined. I told her my story,and told her the whole transaction depended on the lower APR. She said I must have misunderstood and there was nothing she do about it. I told her I intended to complain to someone. Still there was nothing she could do.

You know it's only a matter of a few percentage points, but I am retired and have a fixed and limited income. I'm looking to save all I can. I would not have done the deal. This was an unfair and I think illegal way to do business. They didn't even notify me that the request to lower my APR was declined. I intend to pay off and cancel the card, but this will take time. The balance is almost $2600.00. Something should be done about these practices.

As a single mom this error is costing me food and gas for my children and I need it for daily living.. I really just want the 322 that is already mine?

I did not know that I was dealing with a business on the East Coast where I either have to call at 6am, before work, or they are unavailable by phone after work. I'm not allowed to make personal calls during the day. NOBODY told me my account was on the East Coast! Their email and mail solicitations DID not state 3 forms of ID required, nor did it state that I had to work with them in the Eastern time zone, 5 hours earlier than my time zone.

$30,000 plus interest, a lot of money being held. I want my money back ASAP!

Although I had paid the cards down and nearly off I ran into a rough spot for a few months. During this time I got to the point where I couldnt keep up with their finance charges and penalties. The balance grew past the point of the credit limit so they began adding over draft fees for the money that Capitol One added to the card which pushed it over the limit.

In 2006 my account was turned over to collection. I had several people from over seas calling me as often as 3 times a day 3 or more times a week by 3 different people. At this time, I didnt know what to do. I thought of suicide. Out of desperation, I made arrangements to pay $300 May of 2006 and then $250 in June of 2006 on the card with the $300 limit. I had cleared the debt for one card. All this on a card that I might have owed $50 on with the rest being finances charges, past due fees, and over draft fees (because of their charges causing over the limit drafts being added). One month they even charged me an annual fee for a card that I had not used in two years. The added fees for that month was $97.00 which included $29.00 over draft and $29.00 late fees.

Again, I had not used the card since 2005 so that I could just pay them off and be done with it. I couldn't catch up, and didnt know what to do. I stopped answering the phone and stopped paying. Several collection agencies have called me on this account and have been rude, condescending, and threatening along with harassing me. I accidently gave them my home address which I now realize was a huge mistake. The Jerold Kaplan Law Office in Phoenix has sent me a summons for court. I am supposed to go up to the courthouse and pay court costs or something like that. They gave me 20 days to do this.

During an harassing call, I offered to pay $25.00 and month and Trenda Darnell of Jerold Kaplan's Law office said that was unacceptable. They wanted $169.00 for 10 months ($1690.00). I am barely making expenses even today but am trying very hard. I am a 60 year old woman living alone. I was hoping that the Fair Debt Collection Practice Act would protect me but I dont know where to begin to the process as I have until June 30th to pay $979.00 to this law office which the Flagstaff, AZ legal aid office set up.

I realize there are many people like me out there including my 86 year old aunt who once told me she actually charged up to $10,000 on her Capitol One card and she now owes $25,000. This extortion in some form it seems to me and ANYONES help would sure be gratefully accepted. Thank you for your assistance and time in advance.

It has affected me physically just worry about this - causing headaches, muscle aches and FEAR! I work very hard on being balanced which does take time leaving in an unproductive status.

On top on that I reported some charges on my card that were not mine. I used the web site to report it but nothing has happened. Then I emailed to complain about the over limit charges and they emailed me back with a number to call. I called the number, voiced my complaints, like they cared and told them about the unaruthorized charges, they said you need to talk to this department I will transfer and of course I got disconnected.

Can't cancel or use my card.

Goes without saying once the hold drops off of the original check deposit I'll be closing the account. Just sharing my experience so others are aware. On a second note its my understanding that by making a check deposit into Capital One and with them placing a 10 hold which I understand it is still a Reg. CC requirement they mail me a hold notice with the hold details which I never received.

3 days interest on ACH transfered funds

Capital One is disgusting. No one can help me, no one knows anything. My credit in the meantime dropped into the 500's. I've never had a late payment and would have paid any difference had I known. I'm still clueless and I'm drafting a letter to the CEO. Terrible company!

I have a bruise on my arms from where he grabbed me.

CAN NOT AFFORD TO PAY THIS HIGH RATE HAVE A HIGH BALANCE

I don't know yet.. better not be any!

The times I cannot pay off my monthly balance forces me to pay at an exorbitant interest rate. The length of time this penalty has been in effect is disproportionate to the minor infraction of what happened so long, long ago. I'm sure CapitalOne has benefited millions of dollars from this foot-dragging.

Min. payment went up and they need to recalculate interest.

Within a few days after disputing their claim I began to receive a least three phone calls from their collections a day, 7 days a week for the next several months, even though I spoke with their collection representatives and managers on many occasions, explaining to them that I was not responsible for the deliquency of my account but, to no avail. I also wrote them on several occasions explaining the situation and all they did was refer me to their collections dept. phone number whom I had already spoken with several dozen times.

In February '08 I wrote to them and demanded them to stop calling me and they finally stopped a couple weeks later. They then turned my account over to NCO collections and they began calling me and sending me threatening letters until I mailed them a certified letter indicating I was disputing Capital One's claims at which time the account was returned to Capital One. From July 2007. until February 2008, credit card account had increased from $474.00 to $894.43.

Due to the erroneous and negative information reported to the credit bureaus my FICO score has dropped over 100 points and I have been denied credit from other creditors on several occasions. I used their credit card for two years and never was late in making payments. Captial One also financed an automobile for me, was never late in making payments and ultimately paid the auto loan off in good standing. I have offered on many occasions to pay them the initial balance of $474.00 but have refused to pay the additional interest charges and have asked them to remove the negative information from my credit files, which at this time, they have refused to do.

Evidently, although I am now questioning if this even happened, someone got our account number and started charging things. When I called to tell them these were not my charges and that I closed the account, they told me that the account has to be closed for 60 days, with no charges on it for 60 days, in order for it to actually be closed. What?

After many, many screaming matches on the phone and many letters, I finally had to write to the District Attorney's office to get resolution. They finally closed my account, but I now have a derogatory comment on my credit reports that say I was 90 days late. I have written letters to all reporting agencies, but the report just says paid on time, account closed. They never took off the 90 days late remark. If there is ever a class-action suit, I would join in heartbeat.

I filed a fraud report with capital one and Tina W took off the charges. I filed a police report as requested from capital one and faxed it to them.Tina W put the charges back on my card because she said there was no evidence of fraud.She said because the police were not going to persue it she was going to hold me liable. She would not listen to me nor did she believe me when I said my house had been broken into even though it was vertified by the police.And just because I mentioned my son's name she automatically made him the guilty party and I would pay for it.

I feel my civil rights are being violated, I'm being discrimated against and my consumer rights are being denied. The guarantee they advertise is that you will not pay any fraud related charges and they are all fraud related. My son denies doing the charges and I gave the police his name to talk to. I can not control what the police investigates and what they do.Sherry told me to go to the court house and file charges myself against my son even though we don't know who did it.

Karen, whose employee number is wnd 294 so she said, stated she was my case manager and she had no supervisor and that she was the end of the line for me. My requests to talk to legitimate supervisor were denied. Karen couldn't have been a supervisor because she was not a professional. She didn't talk like one or act like one. No where could I find in Capital Ones web site or paperwork did it require that a police report be filed much less persued, In order for these charges to be taken off. But it does say if they are fraud and they are, they will be taken off I do not have to pay.This I believe is identity thief and Fraud.

Economic damage is to the trees Capital One is Killing due to sending us all this wasted paper.

My credit was ruined my blood press is high.

The next person identified themselves as being with the Fraud Department. I repeated my problem and he puts me on hold to look into it. When he returns he tells me that the account is okay to use now. That's it! I ask him why it was refused in the first place and he tells me that the computer flagged the charge as possibly fraudulent but that he had cleared the account. I asked him why the charge was considered fraudulent. I was trying to figure out if there was a pattern they were picking up on, anything that I could identify to prevent this from happening in the future. What good is it to have a card in my wallet that you have no way of knowing when/if it will be declined. He told me couldn't tell me that so I asked for a supervisor. He puts me on hold again for 5 or 10 minutes and then another person comes on the phone. She starts off again with asking for my credit card number.

Have these people never heard of technology? Why do I have to keep repeating the information I have already provided. Anyway, she was very rude and not in the least bit helpful. In frustration, I thanked for her time and disconnected the call. About an hour later I tried again. The representative I reached initially asked how she could help me. I asked her to transfer me to a supervisor. She asked me to allow her to try to help me first. I responded that I appreciated her offer but had already called once and would rather just be transferred. She was very nice and did as I asked.

The next person, supposedly a aupservisor, was very nice as well. Both of these individuals were much nicer than the first ones. She listened to my problem, apologized for the inconvenience and then asked me to hold while she looked into my account. When she returned she explained that because charge was higher than what I had charged over the last 6 months it was flagged as possibly fraud. Keep in mind that my dogs go to the groomer and the vet every 8 weeks so there were repeated charges to this merchant that should have prevented a fraud flag. I will give her credit for allowing me to voice my frustration without cutting me off. However, she could not tell me that this wouldn't happen again.

It seems to me that if there is a charge that the computer flags as potentially fraud, there is a better way to handle it than simply declining the charge. Couldn't they just ask the merchant to verify identification or accept the charge then call me for verification? It's not like they couldn't refuse to pay the merchant if they didn't valid my ID. I was most frustrated that the charge was declined outright as if I didn't pay my bills and didn't have any available credit. Since she could not tell me that this wouldn't happen again it doesn't make any sense to carry this card. What good is a card that I can't really use. I asked her to close the account.

So far no long term repercussions from carrying a Capital One card but after reading the other posts on this site, I am definitely concerned that the story is still not over. I will diligently check my statements in hopes that the account is closed and no additional charges are incurred. The other thing I was amazed by (and also saw in other posts) was that an attempt to close the account doesn't freeze it. She read my a statement that said that if there was an attempted charge to the account (i.e. recurring payments not redirected) then they would automatically re-open the account and charge me a membership fee. I have gone back 6 months worth of statements to make sure I have identified any of these recurring payments and hopefully have caught them all but what a nightmare this could turn out to be.

I called Chase Bank from CapitalOne and explained this to them and they said they would verify it over the phone, but CapitalOne said "No", it has to be on letterhead. At this point, I am in utter disbelief, but I am just trying to do whatever I can to get the money that I desperately needed in my account. I go to Chase Bank and they said they could not do this letter for me that is not how banking works and that all CapitalOne had to do was call to get the funds verified. I left in tears because no one would help me.

The next day, which was Saturday, I spent an hour on the phone with different people trying to get help, but only getting different stories from each person I talked to and empty promises. I called again on May 27, and was told that once the hold was put on the check there was nothing they could do. Bottom line, it is May 29, 2008 and I still do not have the funds and there is basically nothing I can do. I never imagined when I opened a CapitalOne account that they would do something like this to me.

This has caused tremendouse hardship. I have had 6.20 in my account since before I deposited the check from Washington Mutual. I have not paid bills that are due because I don't when the money I deposited will be available to me. I left CapitalOne in tears and no one cared. I have had to scrape money here and there for gas and food.

We have been trying since July to close this account, I was in the office when Richard called to close the account almost a year ago. Instead when you ask for a supervisor they discounted the call and you start all over. A total of 6 calls were made by me and I my call was dropped a total of 5 times. Transfered a total of 8 times during the calling process and each time I am not speaking to the correct department, and no one can help as I am not Richard. Charged yearly fee, interest and late fees and all they will do is take money but will not clsoe account.

I paid the $50.xx immediately (payment in full), and then asked my account be cancelled. I was on the phone for an hour and a half bounced from person to person. Finally I had to go to work and hung up. When I got the chance to call again I was again on the phone for over two hours, bounced around with each person telling me I had to talk to another department. Finally, I told them that I had destroyed the card and they needed to cancel it immediately or I would report them.

It is ridiculous that I had to go through that. As a customer, I have the right to cancel the card at any time. I took responsibility for my oversight and paid the balance. However, they didn't want to take responsibility of my request. I will never deal with them again and I will warn others not to either.

I received a call from Capitol one on 10-31-07 asking for a min payment of $231 at which time I told them I didn't have a capitol one acct and didn't want one.They told me the acct was opened on 8-07-07 and wanted to know who a vicki was.They said she opened this acct in my name and had the bills sent to her home address.Now she told the police that since I could only pay her $8 an hour I gave her this credit card to use.

Now charges are over $5400 with interest and late fees and they call me 5 times a day 7 days a week, even on holidays.I've asked them at least 12 times to put me in contact with a Spencer who is supposed to be handling my case but they always say we cant guarantee you'll get him and when they transfer me they disconect me.They have givin me NO HELP in persuing charges and have told the police they denied my claim but have never even asked me what happened.This is a poor company to deal with.Once I told them I wanted to press charges they just keep calling me for the money.How do you get these people off your back.

I have high blood pressure and since this occured I have had to close my business and have not been able to get my pressure under control.The stress with them calling 5 times a day is starting to mount up.I've had to come back to Indiana from Florida to see if my old doctor here can help get my BP back down.

3 weeks later I went online to see if there was any updated status on my account and noticed there was another $500 cash withdrawal taken out when my account was supposedly frozen, I immediately called a representative to find out what was going on and again they transferred me and then the phone went out. I know they are intentionally making this the most painful process possible so that i will give up, pay the balance so that i can move on with my life.

On April bill of $6.04, I deliberately forgot it. And this month the new balance went up $35.89 with an inclusion of $11.91 purchases that i did not actually make plus 25.15% APR plus a finance charge of $0.50 for a total of $35.89.

After 11 days, I have yet to receive a statement to review fraudulent charges.

This second time around, I have tried to contact Capital One only to be timed out on the website, hung up on the phone and have gotten no where. They will not remove the charge and will not let me close my account. They transferred me to credit inform which is an affiliate of capital one and my account with them is supposed to be closed but the charge is still on my statement. They are running a huge scam together and something needs to be done about this!

I am not paying this bill so I'm assuming late fees and charges will accrue making my credit report and score look bad.

I have attached the following letter from Capital One : Your concerns filed with the Better Business Bureau have been forwarded to me for response. You express concerns regarding the validity and balance of the debt on this account. We received an application from you via the Internet, and opened your account on May 9, 2003. The enclosed statements from May 2003 to February 2005 show how your balance progressed. Per the terms of your account, when we did not receive minimum payments by the due date, a past due fee of $29.00 was assessed. In addition, overlimit fees of $29.00 were assessed to the account when the balance exceeded the credit limit. We received payments to the account from you, drawn on your checking account, and have enclosed a copy on one for your review. Due to delinquency, the account charged off as an unpaid debt on February 28, 2005, with a balance of $626.37. Once an account charges off, statements are no longer sent and fees are no longer billed; however, interest is applied to your outstanding balance daily. The account is reporting to your credit file as charged off, with a R9 rating. The current balance on the account is $1,136.22, which may not be the final amount owed.

With 3 little children. One time I was stranded in the middle of the night...the purchase via capitalone visa card did not go thru. I had no money for a hotel nor tire change. We spent the night in the car cold and damp- without bathrooms, food, a bed, etc

After talking to several other people I was told i would have the problem fixed. I was also told that the collection dept would no longer contact me. The collection dept called me a total of three times while on the phone with capital one. Three to four days after this happened the collections dept started contacting me again. I have since been un able to get a hold of anyone in capital one who can assist me with any issue I have had. Every time I contact the company the phone calls last several hours, most of which are spent on hold, and I am just redirected and never helped.

I have wasted several hours of my time, my credit score was hurt and cost money that i did not owe to try and resolve the situation.

I talked to Britney (Capital One Rep on the East Coast of the USA. She told me that the system was down and I had to call in an hour and talk to the Fraud Department. I asked to be connected. I was connected to Kris in Manila, Phillipines. She told me that I had to call 1-800... for additonal information. She conneted me to this Department. Nest contact was Marcia- not in the USA. She told me I had to call back between the hours of 9 am to 8 pm EDT to talk to the Fraud Department. I am to call 1-800.... This is the typical SCAM facing our Lending Industry. The right hand does not know what the left hand is doing. Capital One has NOT sent me any information via mail to let me know what is going on with my account if I have one!

I applied for a credit card to raise my FICO score. I have closed a Nation Bank credit card that I had for 15 years and a Lender told me that was a mistake, so I am trying to open another one to raise my FICO score. Capital One told me I was approved! Your investigation will be welcome....

This is an inconveniance since I don't always have time to go to the teller's window in order to withdraw more than the $200 they are permitting me to withdraw.

My credit report has been damaged due to this erronoeous closure. I am in the process of purchasing a hom enad this has affected everything. I want my acctount reopened and correctd with the credit reporting bureaus.

My credit score was around 700 and I was working very hard to raise it higher. Now I am in the poor credit risk level and if I can't get this removed, I'll NEVER be able to get any kind of credit AT ALL. It's extremely humiliating.

I a'm disable and the momey they taking from me is stilling from my food. I'am only living on $465.00 a month. Please help me or tell what I can do.

So when I received my end of year SUMMARY from Capital One in January/February 2008, I noticed that there were three charges made to my credit card that I know nothing about. One was on May 1, 2007 for the amount of $21.40, one was on July 4, 2007 for the amount of $123.90, and one was on August 6, 2007 for the amount of $123.90, for a total amount of $269.20. I immediately made copies of the charges and sent a letter explaining the suspicious charges. On Friday, April 11, 2007 I was transferred and put on hold numerous times. More often than not you could not understand the people you are talking to.

I spoke with Florine, Charine (ID XNZJ966), Elizabeth, John, and finally Rudy (ID FQK130) who told me that a credit would be issued, my credit card would be cancelled, and a new one sent out. On Saturday April 12, I called Capital One again, and discovered what Rudy told me was a lie. My credit card was not cancelled and the charges were not removed. Again, I was transferred numerous times, to Sergio (WWE444), Alan (OPG134) and Mohammed (LAE734). I have reason to believe the names and ID numbers are all fictitious b-c you could never track anyone down again once youve hung up from them.

Since nobody would help me and since this was the worst customer experience I have ever had, I told the last person I spoke with to cancel my credit card once and for all. But I am not done. I still demand credit for $269.20 for charges I did not make, and I want a letter of apology for the way I was treated from every person that transferred me and threw me back in Q. I intend on exposing Capital One and telling my story to as many people as possible and to shed light on the corrupt behavior of Capital One in an effort that it lessens the number of victims in the future.

A letter to the Comptroller of the Currency Administrator of National Banks at 1301 McKinney St Suite 3450 Houston, Texas 77010 quickly helped resolve my issue. I was issued a credit from Capital One.

It seems like I am being set up to fail. If I pay the minimum required, I get no where and it all happens again the next month. If they ask for a certain amount, shouldn't it be a figure that would avoid the same problem. It is like a trick whereby they can continue to charge you an over the limt fee month after month without informing you of how much to pay to stop the madness. How can I get out of this trap? I am now $130 over my limit; all because of the over the limit fees ($39) and late fees ($39)! $78 extra dollars a month and I never actually charged over the limit! Have I entered into the world of loan sharks?

I am a College student who has limited funds. I carefully budget my money in order to pay all my bills. This continual overage fee has placed me in an unrelenting situation. I no longer can make the minimum payment of $229.00 and the amount just keeps getting bigger. Even if I make the payment requested, next month will be the same thing because the amount will just bring me to where they can still charge the overage fee of $39.00 once they add on the interest charges. It is outrageous!! The phone calls from the bank are relentless. 4 and 5 times a day! I will be graduating soon and will need to get an apartment, etc. I am afraid of what this is doing to my credit. Help, please!

My charge privileges were taken away from me in 2006. When my cash flow situation improved, I paid the account in full, and asked that the account be closed. I was never informed that my travel miles would be affected. While still under the assumption that my travel miles were available for use, I received a Member fee? bill for $39.00 in September of 2007. Assuming that paying this membership fee would protect my 73,123 Travel Awards Miles, I paid the bill on October 30, 2007. After all, what else could the membership bill possibly be for?

More than a year had passed since my charge privileges were taken away, and my account had been closed for more than six months. In January 2008, I received notice that I must use my miles before February 15th or new rules would apply. Since my family is planning a reunion in honor of my birthday, I went on-line to verify my miles. Per the website instructions, I called customer service to make travel reservations. I was told that my reward miles were no longer valid. I was bewildered! I spoke with numerous representatives and was advised to write a letter describing my complaint.

I did so and sent the letter to the Capitol One Customer Relations Department. Several weeks later, I received notice that my travel miles were reinstated. I looked on the website and they were listed. Several days ago I attempted to use my travel miles while planning a trip in July. After speaking with several members of the customer service (sic) department, I was told that having miles listed on the website is not the same as having miles available for use! What gibberish!

my husband and I have been through a bankrupcy and he is just getting his credit score up and her comes along capital one on his credit score. This should not be on his credit score at all. I never had his name on my application when I applied in the beginning. He is thinking about sueing them for such a thing. He is outraged for this when it has taken him so long to build his credit up.

I will pay the charge but I am cancelling the card and recomending all my relatives and friends do the same.

BUT to my surprise when I called customer service to request balance transfer she said it cannot be done now as the application process is over. I need to wait until I receive my card to request for balance transfer which would take another 10 business days atleast. All I could say is that they (Application Manager) would do anything - give false information to consumers just to pull them into their business and make some (commission) money without caring consumer's requirement and satisfaction. I guess this why Capitol One is going out of business.

Capitol One wants to charge a late fee and this can ruin my good credit.

They took all my personal information on a credit application. This has lowered my FICO since I need credit so urgently, they then turned me down immediately after lying about approvel. Those are their own words on the letter they sent my po box. They contacted me first ! I am so upset, now I must apply for a Home Equity Loan, my FICO is lowered because of their trick. I want them off my credit report, I also gave them all my personal information such as my mom's maiden name, my social security number, home address ect. I feel robbed and ripped off, my security is at risk. Please help, Thank you,

Well, I should have suspected trouble ahead back in January of this year when (after getting married and changing my name without incident anywhere else) it took four calls and four cards over the span of 3 weeks and 25 minutes on hold to speak with an unpleasant supervisor to finally get the right credit card with the right name on it. The supervisor charged me $16 to get the card shipped via FedEx to me (without my permission), until I insisted that each of the FOUR representatives I'd spoken to had said As my wedding gift to you, this card will be shipped via Fed-Ex at no charge to you. She finally credited my account.

So for a few months, I didn't have a balance due. After my credit had run out, I noticed that even though I was still being assessed my $8.99 for CreditInform, I didn't have a balance due, or a due date, and as such, wasn't receiving statements. (I signed up for email statements.) I called to inquire about this oddity, and the representative assured me that if it's something like CreditInform (that I didn't go out and charge to the card), I'm not assessed a balance due, or a due date, and so even if it's paid after my due date each month (the 11th), it's okay and I won't be assessed any fees/charges/etc.

A month ago, I logged in on the 16th because I'd realized that I needed to pay my CreditInform charge (since I wasn't receiving statements, it had slipped my mind) and authorized the transfer of funds. I logged into my account today (11 May 08) and saw that not only did my account due date change from the 11th to the 10th of the month, but that I had been assessed a $15 late fee for a balance of $0.08! (A balance for which I never received a statement, I might add.) I paid the balance immediately and called Capital One, absolutely furious.

The representative on the phone told me that because I had paid the CreditInform charge past what would technically have been my payment due date last month, I was assessed the payment protection fee, which DOES need to be paid on time. When I complained that I was livid that I had to pay a $15 charge on an eight cent balance that I never received a statement for, he began raising his voice to me and refused to transfer me to a supervisor, even after I insisted twice. He stated that the supervisor would only tell you the same thing that I just did. Now tell me what you want me to do. The conversation escalated to a screaming match, in which the rep insisted multiple times that I make sure I had the right contact information on the account (which OF COURSE I'd done prior to calling), that there was nothing he could do unless I told him to do it (his words: It's like a wish. All you have to do is make it), and kept telling me that if you don't pay your bills on time, you get penalized for it.

I finally interrupted him and asked him to quit undermining my intelligence, told him that I've NEVER been late with a payment for ANYTHING, and apologized to him for not being clearer that I don't think I should have to, and therefore don't want to, pay the $15 late fee. (How he didn't know this by now, I'll never guess.) I then asked him to take payment protection off the account. He took the $15 charge off the account (See? That's the only thing you had to say to me) and transferred me to the payment protection department. After I'd sat on hold for several minutes, he came back on the line and told me that they were closed, and I would have to call back at my own convenience during business hours. Between the simple fact that I was assessed the charge in the first place and the attitude that he took with me on the phone, it's a wonder that I didn't tell him then and there to cancel the card.

Even though the representative told me my interest rate wouldn't change, I don't know if I believe it. We'll see. It worries and stresses me because my husband and I are just starting out; we both have squeaky clean credit records and are working hard to build on that. Neither of us have ever been late with anything. I refuse to believe that $0.08 should be capable of tarnishing my credit history.

In March I received, as I had many times before, offers from Capital One for specials that they had for balance transfers with 0% APR for 18 months, with a 2% transfer fee which I understood. For this one time, I decided to utilize this special offer to pay offer a large cabinetry buildout that I had done and currently had used my equity line of credit through my bank which carried a very low interest rate of 4.99%, but figuring that if I had 18 months without interest accruing this would still be a better offer.

Coincidentally, I went online to pay for what I thought would need to be paid on the actual purchases that I had made for my business for the month. Several months before I had signed up for no statements to be sent and I could just access them online when I needed to. I tried to access the statement about a week ago and was unable and thought that it was a glitch. I went online today to do the same thing and found the statements still inaccessible.

I finally called them and said I need to know the exact amount that I need to pay in order to not incur any interest charges (my payment is due on the 13th of May). They told me that I would have to pay the entire amount of the balance transfer, plus the monthly purchases or I would incur finance charges on the purchase balance, because their policy was to apply any payments first to the lowest APR and then to the highest, meaning that all of whatever I paid would be first applied to the balance transfer and then to the purchases. Therefore, they are charging the purchase rate, meaning they are now charging on the purchases, which I ALWAYS pay off every month and never carry a balance on the credit card. They said this policy is on their statements. However, I do not received statements and they never mentioned this in the letter when they extended this special to me.

I feel that this is absolutely the most underhanded, fraudulent behavior. They are telling you that they are giving you 18 months of no interest to pay something off, they have already charged a 2% balance transfer fee and now they are forcing you to either pay the entire thing up after only a month or they will assess you the interest charges on your purchases at a much higher rate.

I spoke to 5 people at Capital One and finally reached a senior account representative. She offered to send me a statement where it said this. I told her it did not say this anyway on the inital offer and this was totally misleading and fraudulent. She offered to refund 1/2 of the transfee fee. I today paid off the total balance of the credit card that was due so there would be no interest charges assessed.

I will be closing my Capital One accounts shortly but I feel that all unsuspecting credit card holders should be aware of their sneaky, underhanded dealings. I will be writing to other federal agencies as well and do what I need to in order to make people aware of this Capital One tactic. I don't know if you are able to do anything, but I will try to get the word out as best I can. I have been in business for myself for 16 years. I have an 819 credit rating, and I have never been a credit risk for any company. I feel that this is a travesty and I will make people aware as best I can.

At first they temporarily credited the account. Then we used the card and checked the next day on the transactions only to discover that the 5200 was back on the card! After calling several times to people who can't speak English the account(online) was shut down. We can't see anything now and will have to succomb to their bs tactics with their withholding payments so your late racking up late fees. I'll bet they lower our credit limit from 20000 to 5000 so we rack up over the limit fees. I have excellent credt which is now about to be destroyed because I'm paying off my debt.

Until this is resolved, we will have to pay on a debt we have already paid off, live in fear of a ruined credt rating, arguments with the wife etc. etc

Within two minutes the number calls showing Client Services and left a message to call them about my Capital One account. I called and told them again that I had filed bankruptcy and to not bother me again. She informed me that she could bother me any time she wanted to because I owed Capital One and I told her look I filed bankruptcy so leave me alone and hung up on her.

Great emotional stress as a result of the May 10th call and conversations. These people are rude and think the law does not apply to them and their clients. Believe me bankruptcy was a last resort but it is filed and they all need to just leave me alone. I am a 72 year old woman raising two grandchildren and have to abide by laws and so should this company and all other collection agencies. Had Capital One responded directly to me and indicated they would work with me then things MIGHT have turned out different. They run fees, late fees, over limit fees, etc. up instead of making an effort to work with people.

My family of 3 live on a little over 600.00 a month social security disability, which I told them at the time I got this card. unable to make their 2 membership payments, I continue to send them 20.00 a month and continue to sink further in debt with them. If they had explained their fees and high interest rates in a way a person could understand I never would have gotten this card.

the stress has gone threw the rough the embarsment when you go to buy something when you know yo have money and it is not there. had to cancel a business trip costing a good amount of money as well as spouse streess

It has stayed on my credit report and not they have sold it to Portfolio Assc. and they are reporting it and so is Capital One. No one will listen and Experian is the worst Equifax took it off after sending the proof but Experian will not even look at the proof I send them.

I've complained several times and all I get from them is this is a business. They have no sympathy and are not willing to work with people. Times are tough and they are not the only ones we owe money to. All our other credit card accounts have a set due date. I only get paid twice a month and not knowing the due date makes budgeting very difficult. You get suckered in with credit cards and I should have learned my lesson the first time. I'm paying the account off and I will never have another Capital One card EVER!

After paying $200 to lower my balance, it ends up being over the limit AGAIN for I-don't-know-what. Customer service as many have stated was a joke. They said I could enter a payment plan and they would stop charging all the fees so I could pay off the balance. That, of course was an outright lie.

I have basically no credit history and am unable to get any credit due to the Capitol One mess. Since Capital One is the only thing on my credit report and it's a negative item, I now have bad credit (520-530 FICO) despite attempts to work with them which is made worse by the month. To date, they say I owe $1,170 on my $200 credit account. Nearly 6 times as much as my original credit limit!?! They must be crazy!! No Hassle, indeed

Capital One sent me a form and said that before the insurance would make my monthly payments to them, I needed to go back to my employer and get them to fil out the form and return it to Capital One. Of course the employer would not do this, so I told Capital One this, but sent them proof of the layoff. Of course int he meantime Capital One was adding in the late monthly fees as I told them until I could file unemployment I could not make the payments. Capital One made no attempt to help. So They kept adding late fees until the point that I had over the limit fees. This continued on, even after I asked to have the accounts closed. Capital One will not close the account until the account shows zero balance.

So no I have credit cards with the following off my credit report. First credit card limit was $200. they now say I owe $1241.00 on another account the limit was $1000 and now they say I owe $3265.00. Amazing how they can do this. As the consumer you have no rights with Capital One. You request to try and work with them with no success.

So now when I try to work with capital one on a payment, I get transferred to three or four differend collections numbers before the call jsut gets dropped. I can't even tlak to anyone anymore at Capital One, as soon as they get my name or account number they drop my call. I have written letters to all the credit bureaus, to the NH Banking department whom forwarded a letter to the Richmond VA Banking authorities, who at least got a copy of all my charges and finance charges prior to lay off, interesting enough Capital One does not show how the charges when up after the layoff from my limit to the unbelievable amounts that are now on there. They closed the accounts in 2002, but still report the ridiculous numbers to the credit bureaus.

I can't get any credit. I have a good income and a good credit report except for Capital One. I have tried for the last 3 years to get a house and all the banks says your report looks good except for the Capital One accounts. These account keep my credit in the mid 500 range. I will never be abvoe to get above that until Capital One goes away on my account.

I am paying 17% interest on my vehicle because of the credit score that Capital One has impacted. I can not get a new vehicle. Even my insurance is up higher than normal as they are now using credit score to rate insurance.

Again, they replied with the exact message as previously sent. I emailed again, stating apparently they did not understand the question and could they please provide a different answer as opposed to copying the previous response. They responded with the same except adding that if I had questions I could call their 800#. I did so, ended up in God knows where but the English was not very good. The person on the phone told me the same thing. It would be 30 days. It has now been two months and my account is still open. For a no hassle company, this is a very big inconvenience to cancel a card.

I haven't had any physical damage to date but will definitely advise if there are any problems caused by the delay of cancelling my card. I never knew it was such an act of Congress to close an account.

They impose fees and programs on your account that you do not ask for. When those program fees hit your account and put you over the limit, then you get charged an over the limit fee in addition to the other charges (Payment Protection & Credit Inform) that you did not request in the first place. When you want to cancel your account, they only allow you to put your account in cancellation status and will not cancel your account until there is a zero balance for 30 day period. That is ridiculous! If you want to terminate your account, you should be able to do so, on the date/day you requested without ANY further charges.

Keep in mind, a service rep will be quick to give you yet another 800 number to dial, both of these companies which are indeed also Capital One subsidiaries.

I had another rep to tell him why I need to charge so he would remove the hold. I told him, that I do not owe no reason to use my card, therefore, you people keep that hold on, becuase the is paid in full. I've only had the card for 30 days. What I think the reason the hold is on is because they could not make any extra money off of me.

I also sent them the Fraud Information sheet along with two pieces of Identification on April 24, 2008 and still got the bill after that. I called to inquiry this today, May 5, and was transferred 5 times to a busy supervisor, whom only fraud agents answered

This fraud is on my credit report. If it's not resolved then it will give me a negative score.

I get a letter from Capital One this past Saturday informing me that they were closing my account. The only reason they gave is that they considered my account inactive. They had no expense to speak of with this account, as I did not receive paper statements. The bottom line is they hope I try to reopen the account so they can charge me a higher interest rate, rather than the 7.9% that was on the account. My credit score is currently 764, so they couldn't use my credit as a reason.

Can they just arbitrarily close my account without first notifying me?

If this account appears on my credit report as Account Closed by Credit Grantor, this will have a negative impact on my credit score, not to mention the fact that it was an older account, which again will negatively impact my score.

Some of the tricks they use to kill your credit score... 1- Report the account as it is been charged off every month (Score drops about 100 points permanently) 2- Report the account as a credit card past due and count the balance against the credit limits of your open accounts. (About 70 points drop) 3- fail to report Date closed and Date of last Activity this allow them to do points 1 and 2. 4- they charge 25.9 interest on the charge off but never send statements for those charges. 5- Five years latter Capital one still harasing me with the phone calls once or twice a day.

They are a bank, no debt collectors so there is no legal resource to make them stop calling I need an attorney, I am ready to file suit.

I contacted Equifax and sent them a copy of the attorneys letter and my certified funds (thank God I kept all of this). They wrote me back saying Capital One had given them additional information and the judgment would not be removed. I have now contact the South Carolina Dept. of Consumer Affairs back in February, 2008 and after numerous letters and phone calls, they have not contacted the SC DEpt. of Consumer Affairs. They did tell me I always have the option of calling an attorney, which I intend to do so, going after them for fraud, inducement and bad faith penalties.

Has hurt my credit rating but upsets me to no end as this is out and out fraud on their part. It was their attorney who settled everything.

I insisted that this was not acceptable, and that I needed the money returned to my account immediately for a trip I was to take in two days. It took three different customer service representatives to finally have someone look at a copy of the check and admit that the check had been written for $10.50. Eventually I wound up going through the fraud department at my bank to get the refund, which happened quickly once they were involved, but in the mean time having my acount drained was highly inconvienient, to say the least.

When I checked the statement online, I was surprised to learn that I still have a balance of $1.68. When I paidoff my account & closed it, I should be cleared, isn't? And until now, I haven't received anything yet from them like the receipt that I requested. I would appreciate very much if you can please check this because I'm afraid that $1.68 might build up & start sending me bill. Thank you.

Once my wife got on the phone,(she's an accountant)she told her the story over again. Well I saw my wife's face turn RED! The rep told my wife that I had sent the payment late and in the future my payment needed to be made on time. My wife had printed out the confirmation letter at the time of payment and read to her all of the info. Then the rep accused my wife of making the payment after the cut off time. At this point after going back and forth, the rep indicated that they would give me a courtesy credit for both charges since I had been a customer for over 3 yrs. That's when my wife reminded her that it wasn't our error, it was there's in the first place, so why are they acting like this is a courtesy to us. I am working on paying this card off and getting rid of them asap.

I was then put on hold for 20 minutes (I noted on the phone when I was put on hold), and then the supervisor, Molly, came on and immediately said It is not our policy to reimburse customers for lost money on charges. In other words, in your face if we caused you to miss out on lower-priced tickets. I asked why I had been put on hold for 20 minutes for someone to tell me nothing, and Molly got even more rude. I canceled the card the next day, and my new credit card called me after accepting the charge, which is the correct way to proceed if they are not sure of the legitimacy of the charge.

I believe CapitalOne did this to me because I pay my bills automatically on time, so they do not profit from service charges or late fees. For years, I kept within their low limit (in reading these complaints, I realize why CapitalOne refused to raise my limit, because they hoped I would go over the limit so they could charge me with overcharges and increased interest). Now I think they are purging their company of people who do not incur penalties, since some of us are wise to their schemes and keep strictly within the rules. I used to think that if I did everything right, CapitalOne would not be so bad. However, I found out that if they want to get rid of you, they will do everything possible to achieve their aim.

I lost $400-500 because they refused a legitimate charge and refused to put me through to a human being for more than an hour, during which time the airline tickets increased in price.

When I got to the UK, I used the card once successfully, and then had it turned down twice. I called CapOne collect, as instructed on the back of my card, only to have the charges refused! I then asked my wife back in the US to call CapOne to find out what was going on. She had the same experience as my first call to CapOne (incompetence + disconnect). On the second call she was told that CapOne was issuing us a new credit card because fraud had been noted. When she told them that overseas use was me, they told her that I hadn't informed them that I was going overseas, and therefore the card wouldn't work. (You mean I have to ask permission to generate revenues for them?) She pointed out that I had bought tickets through them and called about using my card overseas to get cash, but they didn't seem to care / notice.

So what's in my wallet? Certainly not Capital One.

Time after time I explained that they needed to called his business NOT his home, to no avail. I asked to be transferred to a supervisor and was left on hold (at least twice). THE CALLERS WERE TOTALLY UNPROFESSIONAL AND NOT AT ALL INTERESTED IN THE FACTS. I finally realized that the only point to these calls was HARRASSMENT. Is this legal? Is there any course of action? WE do not and will never obtain a card from Capital One. The company's behavior was disgraceful and absurd.

On Monday I took my wife and son to McDonald's for breakfast. I found my Capital One card did not work. Supdequently, I tried to buy gas and again found that my card did not work. When I got back to my mother-in-law's house I called Capital One. I was told that my charges appeared fradulent. As a result, my card was locked but they would restore my access to it. Latter that evening my wife called about a charge she place ond my card to hold a motel room for her two elderly aunts who were in town to attend the funeral. She was told that the card she had was out of date and was routed to the Capital One fraud dept. The fellow there was very rude and said to my wife that because she had a old card which by the way didn't expire for over a year he had to lock our card and we could not get access to it until we could prove who we were. The following day I was not available and my wife called back and was again routed to the fraud department. There she was asked a number of financial questions, some of which she could not answer.

As a result, our case was routed to another fraud organization within Capital One. She was told that this organization was only availabel between 8 AM and 8 PM. As it was too late and she was so frustrated with the run around Capital One was giving her. She asked if I couuld call the following day. The next day I called and was told that I needed to FAX Capital One a copy of my driver's licence, a copy of my W2 form and a copy of my latest utility bill. Prier to this, I had already provided them with my address, SS#, birth date, home telephone number, and a bunch of other personal information. I asked the representative, How do I know that the information I am being asked to FAX to you will be held in confidence? He said I should take his word for it but if I wanted to prove I was talking to a Capital One representative, I should call the number on the back of my card and ask to be forward to his department.

Subsequently, I did so and the lady who answered me said the department was closed. I asked for the phone number for that department and was told she could/would not give it to me. I had been given the number earlier by the other Capital One representative. When I asked why she couldn't give it to me she wouldn't answer. I told her I had the number and if she could confirm it for me. After considerable hesitation she said it was indeed the number of the fraud organization. The next day I tried to FAX Capital One them the stuff they requested and found that there FAX line never answered.

In summary, I and my have been treated like crooks by Capital One. Without my charge card, I would have been left abandoned by Capital One in Detroit. Lucky for me my ATM card is also a VISA card (not Capital One) and I was able to get home and pay the Parking fee at my home airport. My wife on the other hand was left with no money. I had to send here a personal check so she would have money to get home. In all the years I have had charge cards, I have never been treated as badly as I have been by Capital One. There people are very rude and treated me as if I were a criminal. My card says Capital One is Hassel free. I for one can say this is a total un-truth. I would say only use your Capital One card as a last resort and better yet, get a card provided by another vendor.

We applied for your credit card for our daughter, Elizabeth, who is a pre-med student at Elon University. We wanted her to begin to become experienced with managing credit and using credit in her own name. I chose your company since I have credit cards with you and like your terms. Our experience with her card has been an exercise in frustration. First with trying to communicate with Indian and Philipino customer service reps who were barely understandable, and then with your experienced CSRs who have proven to be inflexible and apparently uncaring, and finally, with inflexible rules that fail to credit payments made electronically.

When it became evident our daughter would exceed the $500 credit limit you initially gave her, we implemented an electronic payment from her account, to head off any over limit charges. All payments made by our family are done by electronic transfer from our bank accounts. When this payment for $408 did not appear on her account within a few days, we called our bank who advised us that you did not accept the electronic transfer and they had to send you an electronic check. So, based on your customer service representative advice to make the payment directly on your web site for immediate credit, I went on-line and made a direct payment via your web site for $200 on 1 March 2008. This was immediately posted but did not change her available credit. The payment of $408.00 finally appeared in her statement on 6 March, but still was not reflected in her available credit.

I called and was advised by your senior CSR that you had placed a hold on this payment for 10 days citing the rule that this was a new account even though this check cleared her bank account on 7 March. So I again went to your web site and made another payment for the full balance due of $342.01 which was shown on her account on 7 March, giving her a ($222.43) effective credit balance. Checking today, her available credit was still showing as 0.00! Again I called your senior CSR who informed me that you had placed a 6 day hold on this electronic transfer! What kind of credit card is this? A debit card would be more useful. If you are seeking to enroll credit worthy clients, this is hardly the kind of service that will do that. This has been an exercise in frustration. Someone in your management chain needs to examine these procedures and join the electronic world of finance.

Capital One simply uses our money for 7 to 10 days after recieving it before truly crediting it on the balance. My bank confirms they received the funds, but they wait 7 to 10 days before reflecting this in the available credit.

stress,loss of credit,stress loss of money,stress.and about 5 hours on the phone.felling helpless to do anything against a big company please help!

They had a record of my closing my account in 2006, but said that since I used my card, they reactived it. They threatened to report me to credit agencies if I did not pay. I talked with supervisors, their fraud department etc.. I finally got a sympathetic soul who after much badgering agreed to remove the charge from my card. Simply absurd.

In this case, just over 2 hours of my time. I am a consultant and earn $200/hour. I think that had I not been extremely persistent, they would have reported me as a bad credit risk. This is clearly a scam. I did not reauthorize my account.

All the while I'm asking for a confirmnation letter that account is closed. April 17: I called and they said that confirmation letter would go out after April 22's statement posted. April 28: another statement & no letter. Called again they said, as always, the last person was mistaken and letter won't go out until May 22! They won't let this account close!

Lots of extra interest paid til I noticed the bumped up rate.

I called 20 times and each time they told me I have to speak to a certain department and put me on hold and no one ever picked up. Few times I got a recording asking me to leave my name and number and someone will call me back. Then I received a call Batty at the fraud department . When I finally got hold of her she was absolutely arrogant and abusive. She was not someone who is cooperating or trying to help me fix the problem they caused. The woman had a very heavy African Accent and was hard to understand. She insulted me and I insulted her back. Then Batty decided that the account would be closed. By this time, I had not received statements for two months and I could not access the account online. I could not get any information on the phone because they forwarded me to Batty even though I asked to speak to someone else because of the conflict we had, but I was always redirect it to her.

I finally received a statement in February with a different account number with a balance of $126.33 and a letter informing me that they completed their investigation and that I was responsible for that amount. The statement showed a previous balance of $ 50.00 and new charges of the difference on the statement and there was no description of the new charges. I sent Capital one a letter asking to send me a description of the new charges since I could not use the account for three months and I had no access to any statements. I asked a simple question, what was charged? They never answered that question and each month I received a statement with late fees.

Now the bill is more than $200. That account was paid off completely last year and I had the records to prove it. I paid the balance and there was no interest accumulated because it was paid before the grace period each month. I believe Capital One exposed my personal information and probably other people information. They were so defensive when I asked questions and I had never received any answers. If there were charges, what are the charges? They failed to submit a legitimate statement describing the charges the account incurred in January and February which was the time I could not use the account and I had no access what so ever to the account information. I lost my right to dispute one or two charges that were listed on my account. I dont owe Capital One. They owe me and I want a fair chance to be able to dispute the charges on my account which I already paid.

Identity theft and bad credit.

At first it was very difficult to speak to a customer service representative, and only did I get a number by calling new card applications. I spent two and one-half hours finally ending up with the senior manager Dave. I spent an hour talking to him about our being misinformed, and only received a one page statement with no details of agreements documenting a 3% transfer fee . The same was true with the customer service representative who said there would be no fees associated with this transfer. This fee remains on our over all balance and is calculated monthly.

If you pay any amount to Capital One, they first deduct payments from any purchases, that are in fact interest free. In turn you receive a monthly monthly finance charge based on the 3% of the actual transfer. Here lies the deception. You pay monthly finance charges because you transfered money. The second part of the deception is that even if you pay off your over all balance, you first have to pay off all purchases, then when that is done, you will then be credited payment of your transfer, and will continue to accrue interest on the transfer until your entire account is payed off. Dave would not budge on eliminating the transfer fee for the first year, and said he had no choice. Other credit cards that have misinformed on finance charges have immediately corrected them, namely American Express and Lowes Credit Card.

As I spoke to Dave my wife pulled up this web site,and I began to finally understand I was not alone, and realize there are many others who either were misinformed, or were deceived. I am recommending a class action lawsuit against Capital One for deceptive advertising to protect consumers, and to have financial compensation. Keep details of all your correspondence with names, telephone numbers and dates along with what you discussed. IT is easy to forget your conversation, so keep records and detail conversations. WITH CAPITAL ONE Perhaps reconsider WHAT'S IN YOUR WALLET, with, THINK ABOUT YOUR WALLET - if you still have one.

The resultant damages are an additional financial burden that harms us on a fixed income, and cause major problems on a tight budget. This also causes emotional distress as we have always maintained good credit, and pay our bills on time. This action harms us financially, and causes monetary problems. We would have never made this transfer if we had been fully informed. It is a sad legacy that a huge company such as Capital one has done this to consumers.

We would like to know how a credit card company can get away with this type of ridiculousness and who would be responsible if our son did not pay for any charges he makes? If Bank One feels this young man qualifies for a credit card, then they can deal with him and him alone, to pay for any charges! How can they give a card to a person who cannot even prove they have an income or even a credit history? And we wonder why the economy is the way it is. This unscrupulous company needs a reality check.

We have contacted them in the past when our son has received offers for credit cards from them and asked them to remove him from their mailing list because he is a MINOR! We were told it would take 6-8 weeks for that to happen. Apparently it never did because he thought he would be sneaky and brilliant and try to get a credit card. Can someone PLEASE let us know how they plan on making an unemployed 15 year old teeanager responsible for paying his credit card bill? How can it possibly be legal for them to give credit to a minor? Any information you can provide would be greatly appreciated!

Nothing yet but information is needed so we know how to proceed. Obvioulsy we can have our son call and cancel his credit card but he should have never received one in the first place.

I have been trying since Jan to make a payment over the internet, and an error message has been coming up that my bank doesn't allow ACH payments. I called my bank and they said it was not true and Capital One doesn't believe me! Its just terrible and awful and I'm 19!I don't want it to ruin my credit history! Capital One seriously is just the worst company, and it's so sad how they take advantage of people, how the world works....amazing. I have so much stress and 500 isn't a lot! But I don't have the money to pay it off and now I can't take out another good credit card with no balance transfer fees because they keep looking at my Capital One account! I'm just so stressed out, it's not even funny anymore, I'm exhausted....

I also contaced our congressman. Have not heard anything from them. I have talked to several people, and alot of people are haveing problems with Capitol One.Right now we do not need an attorney, but I will deep you in mind just in case.I never have found out how they were able to put the check back into our account. I would like to find out about that. The banck does not know. They should. Thank you.

THIS IS HAVING A NEGATIVE AFFECT ON MY OVERALL CREDIT SCORE.

This is not the first time and the fees force my low limit balance to over the credit limit ($30). With such a low credit limit, these two fees in one month starts a vicious cycle. How, greedy can these corporations get? I pay my bills each month, but I am still being charged late fees for paying early. This has to be against the law.

I lost over $700 in payments due to over the credit limit and late fees.

I closed the account immediately.

The dropping of my creidit limit by the amount they did will effect my credit score. Which will effect future credit or loans.

Nonetheless we have a conference call between the Capitol One Account Manager a rep from my bank (Associated Bank), and myself. I am told this refund check will be processed in 5-7 days, and will receive the check within ten days from that. Now we get to the good part. After the initial 20 days is up I call the company...again. Mind you, my first phone call with them lasted around 1 hour 7 minutes, just to get my own money back. So, I call AGAIN! This is when I am informed that it will take up to 20 BUSINESS days. Fine, I think. That makes sense, but should have been stated in the initial phone call. 20 BUSINESS days from March 22 come and go, still NO CHECK! So, I call AGAIN. I am now told that the processing didn't actually start until March 25th. Why I ask, to which they have no answer. Now, I am very upset. I am beginning to feel like I am not getting honest answers from these people. So, I express my dissatisfaction with this whole ordeal, and wait a few more days.

NOW, it has been 20 BUSINESS days from MARCH 25TH and STILL NO CHECK!!! I understand $300 is not a lot of money for capitol one. but I am 26 years old. It is still A LOT of money for me. But, I decide I will give them a two day grace period....for good measure. Today the grace period ended. I received my mail, and no check from Capitol One. I call, you guessed it YET AGAIN to which I am now told by an Account Manager that she sees no record of this check ever being processed ever leaving Capitol One, that basically it doesn't exist. No, I am livid. I insist on speaking to her supervisor, who I tell my entire story to, and now magically sees in her computer that the check was mailed out March 25th, and she can't imagine why I have not received it yet. Which if you refer to the original time table, makes little sense. And why is it the first woman was apologizing because they check had never been issued, and yet the second I through a date out at the Account Supervisor, she grabs that date and insists that the check was mailed out then, and this must be the mails fault. She then informs me that she will put a stop payment in the last check and will have a new one sent out within, you guessed it 5 business days. And should expect it shortly after that. Just as long as it doesn't get lost in the mail again.

You know what my favorite part is? Within the last month that I have been waiting for MY OWN money back, I have received my bill from Capitol One, and notice that they are raising their service fees. Those made their way to my door no problem, but this check...got lost in the mail. What makes me laugh even more if you go to www.consumeraffairs.com/credit_cards/capitol_one.htm you will find pages of customer complaints from Capitol One card holders, and on from 4/15/08 from Mary from San Luis Obispo CA...who is having almost the exact same problem as I am. Well, at least I am not alone. I am not sure what good this information is to you, but I felt like it was something you might like to know. The sad thing is, here I sit waiting for my money back, and there they stand, so unwilling to give it back, and there is nothing I can do about it. Thanks for reading.

Capital One had to reimburse ALL of the late fees, overdraft fees and finance charges and they still stated they were in the right to do what they did but as a good jester they removed all the fees and hope we stay with them. All this to take place was over a three month period but it was well worth the wait. One bit of advice. Make sure you make some sort of a monthly payment to the account while all this is going on. This way they cannot come back and tell the OCC you are not making any payments to the account. Bottom line is you look good and they look very bad.

I called them and reminded them that no payments were due until May 5th. They said there was no promotion like that and I needed to prove it.

They are charging me for being over $300 every month and charging me late fees for not making payments and its not even May. Balance of $555. They deny any knowledge of this and its not in the terms and conditions because they don't describe promotions. It was a separate piece that came with the card and also on the paper the card was attached to when received in the mail. Unfortunately I only saved what I thought was the important paperwork.

Mind you I made payments of $125.00 from 7/07-2/08. On Monday 4/21/08 a representative from Bleier called to inquire about my payment for March 08, I told them that Mr. Wiggins was supposed to contact me regarding a re-evaluation of the delinquent balance, and that I was waiting for the phone call. I asked the representative how much was owing on the account and she said $800.00. I blew my stack, the original amount that was sent to collection was $758.00, and now I owe additional fees that were not included in the correspondence that was sent to me. I did have credit protection on this account.

ALSO saying FED rules allows this...so I still get billed...FOREVER...unless I pay off and then if they bill me I can still be held accountable,,,FROM what Cap One says.......WRONG...WRONG...If I do someone...WHOM ever----will pay..one way or the other...PROMISE...

stress.....I do not need another BILL...and when I did not cause it....I DO NOT WANT IT....tired of being RIPPED off..Gov. does enough of that....and NO attorney---like I need one of those...to DO NOTHING...and take MORE money I DO NOT HAVE...

Well I played their silly little game and reported the card missing, now it's been actually closed.

They are absolutely tricksters.

I have called and talked to several staff and finally got transferred to a senior team member. She claims it was an honest mistake, but I dont see how they could let all these mailings go out advertising a zero interest rate and not catch that as a mistake. Sounds like a bait and switch to me.

This of course affects my budget and is just another stab in the back to a consumer already feeling the pinch of high prices.

husband was out of job, but he is working again and we are trying to get caught up, but they just keep badgering us.

Bless you for hosting this site and warning people. (Also, bless Google for bringing it up so high when anyone searches CapitalOne.) I naively thought banks/credit card companies could not engage in this sort of trickery - isn't it against the law? Previously, I utilized the no-interest for 12 months offers from Sears Mastercard and the Discover Card without a hitch. Both lived up to their promises with no problems on balance transfers. Gawd, am I glad I did not fall for the CapitalOne slick ones and get stuck.

Probably have dented my credit score, as the greedy CapitalOne issued a $30K credit limit, even tho nothing that large was requested.

I called them and reminded them that no payments were due until May 5th. They said there was no promotion like that and I needed to prove it. They are charging me for being over $300 every month and charging me late fees for not making payments and its not even May. Can someone he? This has also had a negative effect on my credit.

3 days later I received a letter stating that the transfer went through. I called Capital One and they said there was nothing they could do. They said that they do not guarantee stop payments which is the most ridiculous thing I ever heard. Why bother offering to stop a payment if you can't guarentee it. So after much arguing with the account manager all he could do was offer me $25 dollars toward the 3% fee. I have cancelled and closed my account with them and will most certainly NEVER do business with them again. They should not be allowed to get away with this but unfortunately I have no recourse.

I now have to pay this amount not once but twice since I already paid off the balance that I asked to be transferred.

8 hours and 15 minutes worth of phone calls over the past 2 months. Stress & high blood pressure when talking to Capital One employees who don't know what they are doing. And a fear that they are going to ding my credit report.

I called Capital One and the again could not provide me with any kind of proof of purchase with MWI. I told the woman at Capital One I was very unhappy about this unknown charge, especially because I'm a single parent with MS and recieve a disibility fee of only $423 per month. In August 2003 I rec'd another MCI Essentials fee for $119.95. I could barely contain my anger when I called Capital One and demanded six (6) times that they do not pay this unknown fee again.

This credit card I had with Capital One has caused hardship for my family and I. My credit limit was only $500 and the MWI Essentials fee was not only difficult to swallow, but twice it caused my credit card to go over the limit and subsequent charges and fees have caused a dominoe effect. I'm now going to a hearing at our district cout this Friday because Capital One has sent my account to a collection agancy because I missed 5 payments----which I did not!

I called and requested to speak to a supervisor and the supervisor said the account could not be re-opened, that I'd had closed it. I never called to close it. It was closed the 1st of this month. I've had two cards with Capital One since 2000. One card I couldn't get them to close for over 4 months about a or two ago and the one I want left opened they close and then try to tell me I closed it? What the heck is going on here? I said to the supervisor it must be an error with the software, I'm a software analyst by profession and have to correct software and end user errors on a daily basis, because I didn't request the account to be closed. ? Further more, if I had requested it closed, why can't I re-open it? Reading the consumer complaints I found I wasn't the only person this has happened to in the last month. I'm very very disappointed with Capitol One and will never do business with them again.

Suddenly Ashley came on line, and after I explained that Melanie had all the info and was working on my problem, she assured me that there was NO WAY I could be put back in touch with Melanie. (If they can look up someone else's notes, why can't they track them down? Surely they have an employee number they have to put on their notes?) So I had to re-explain everything all over again. She didn't do anything and I felt she was rather surly. Tuesday I checked my bank account online, and both payments to Cap One had been deducted. I called Cap One again and this time I got Brandon. I explained what had happened on Monday, and he gave me the obligatory I'm sorry. Then he gets my bank on line and she tells him that both payments have gone through. THEN he tells me that Capital One will send a RUSH check to me. I said why don't you just credit my account? and he said they couldn't do that. WHAT?

They've been able to reverse amounts before. Then he said I would get my check within 5-10 business days. I said 5-10 business days is not RUSH. But Brandon assured me that's the best they could do. I told him if I got charges on my bank account because of this they would have to pay. Brandon told me that Cap One was not responsible for these charges. If they're not, than who is? They're the ones who screwed up my account on line to begin with. So now I'm waiting to see what transpires from this CAP ONE SNAFU. Their line in their commercials What's in your wallet? could surely be answered less money when you deal with Capital One!

I'm waiting to see. I have outstanding checks that will come in long before 5-10 business days and surely put my account in the red.

less money, less work, more hassle than ever needed.

We recently received an unsolicited zero percent offer from Capital One. The well defined terms were to get zero percent for 18 months in exchange for an up front 2% transaction fee. The offer talked about a separate segment being opened on our card. The separate segment reference led us to believe we could continue to use the card the way we had always used the cards on our primary segment of the card. We decided to transfer our 7% home equity load to the card.

However, I failed to read the fine print. The well hidden catch was all payments will be applied to the lowest interest rate segment first. Therefore, any other charges applied to the card for 18 months would be charged interest while we pay off the transferred home equity loan.

When the first bill showed up after the 0% offer transfer was accepted, it did not look right to me. After talking with two levels of supervisors at capital one, we were told there is nothing they could do for us. Apparently they do not value good customers who pay their bill every month.

Before we discovered the details of this sham, we had already placed a month of our normal purchases on the card. Several of the charges were sizable since we bought airfare and incurred other expenses related to preparation for a vacation. That single month of charges will now reside on the card accumulating interest until we pay off the large 0% transfer we made.

Aggravation has been the biggest cost so far. We have already shredded our cards and will never use it again. In the end Capital One will loose a long standing customer which paid their bills religiously every month - maybe just what they want!

After a series of automated responses customer relations gave us another number that sent us back to applications. After another round of automated responses the applications dept. said we would have to wait until we actually got the card in hand and then we could call up and cancel.

Further, if we wanted to have a Joint account we would have to do several steps to get a Joint application we could send in. My complaint is that we were mislead to believe we were getting a Joint account, and then find out it was processed faster than I could say the word Yes but couldn't be canceled without considerable effort. I would recommend that Capital One be avoided.

I am honestly thinking of switching before Sept. 08 comes around, no more $30 annual fee for me, I'd prefer a no-fee one! They didn't even put it on my statement til after I called the fraud dept., thinking that someone made a purchase without my knowledge, and the person that picked up the phone treated me like I was stupid, going it's the yearly fee, we charge it every September even though I'd opened the account only 3 days earlier. I applied for 5 accounts, hoping to be accepted by 1 or 2. I was accepted by 4. Yet they expected me to remember that, in addition to the HIGHEST APR, they also charged the HIGHEST yearly fee?!? I felt robbed and ridiculed.

I suffer mental anguish from this.

First off, my credit suffered and I lost a bank account. It was closed due to my credit score. I made a good faith effort to pay Capital One through a credit counseling agency. I know the agency paid my creditors on time, because the balances on the other cards dropped as payments were credited on time. Capital One, however, held payment till past the due date so they could jack up fees and interest. When I tried to pay them on my own, they increased the interest rate to about 26% and the monthly interest alone was $175. I earn about $11 an hour on less than a 40-hour week, so keeping the payments up was a burden. But no soon did the ink dry on one check than they had someone calling demanding more! I tried to explain what was going on, but did they care. Send more money - that was their mantra. Last fall Capital One hired a law firm in Phoenix - Jerold Kaplan - to file suit. They did and won the judgment. Now they threaten garnishment. I can't win, no matter what I do, which recently has been nothing. I am totally defeated.

That evening I called Capitol One where I was transferred to the fraud division. After a 30 minute hold I finally spoke with someone regarding my account. I verified nearly everything for her and let her know I faxed documents in as well. She said the lady who had that fax was at dinner and would call me when she returned to the office. Once again, I never received a call. Finally I went to a Capitol One bank near my house. The banker there was very understanding and supportive. I brought my DL, SS card, W2s with my current address and even a copy of my credit report. I arrived at 1:50 PM (the bank closes at 2 PM) and he let me stay until almost 2:45PM. The entire time we were just being bounced back and forth between various customer service people. He tried to verify my documents for them and they kept saying ok, please hold for on moment followed by an endless hold. Apparently a banker's opinion is not enough evidence to prove my identity and address. This, by far, is the worst customer service I've ever experienced. I have no idea how Capitol One is able to stay in business, much less make any money.

Cannot file taxes because I have no form showing interest earned from this account. Never have been able to get an account #. They are blaming everything on me although I have been unable to get anything verifying this account from Capital One. They have literally stolen my $6000. Beware of ever doing business with them!

Capital One lied - they are still ruining my credit almost four years later. I contacted the credit reporting agencies. They let me know that they contacted Capital One and Capital One told them they can't get in touch with me. That they are not taking it off. Well the consequence is that I now have the name and address of Richard D. Fairbank President of Capital One and I will be in further contact with him. I no longer have the paperwork from 4 years ago as our house burnt down with the paperwork in it. So now I have to rely on what I received from Equifax. I would appreciate being contacted by an attorney and join a class action suit. I need help. I need them to take this off of my account. Equifax has my phone number and Capital One can get it from them. I am willing to settle this peacefully. I am sorry that I trusted them to take care of this back in 2004, I have learned my lesson. Do not trust corporate America. You cannot speak to Mr Fairbank that is what I was told in 2004-he doesn't take phone calls or speak to anyone. I know I have a legal complaint. Capital One committed Fraud Against me! Please Help!

I called back and was told me my card was canceled. I have some accounts that are deducted automatically from my credit card like Netflix, Gamefly, etc.. They told me that it could be up to 2 weeks before I get my new card. Now I'm getting e-mails from all of my accounts because the card is declined.

This has made me an emotional wreck. Not only am I in a financial hardship that I'm trying to get out of on my own, they are adding to the hardship with their fees. I expressed mailed them at another charge of $16, a letter again today demanding that they close out the account and cease to charge me.

The additional fees are putting me farther and farther in debt. The calls continue and continue.

I can't use this credit card because I refuse to pay that interest rate.

The following months statement came in and we noticed a $33.18 finance charge. I called Capital One to ask how their could be a finance charge since I paid our monthly transactions in full, just as I always have, and then also included another payment of $700 on the 0% balance transfer. Their response was that they divert the payments to where they want (paraphrasing). I explained to them that they were essentially diverting payments to deliberately run up finance charges when I am paying my bill in FULL and including another payment of $700 on a 0% transfer offer. I explained to them how this was completely misleading and unethical, and asked for a credit of the initial $280 finance charge and the subsequent $33.18 finance charge. They said this was not possible, which is why I am looking into what options I have in filing a complaint with someone who might have oversight in such matters.

I had extensive surgery on my neck. It has been difficult to talk. Everyday I had to explain the same story to whoever called. I cannot explain anymore. My throat has not healed, and my voice is still hoarse. After receiving these calls day in and day out, I have lost my patience, blood pressure is up, and chewing people out is making my throat worse. I will not be able to return to work until my neck and throat are healed. My husband's balance will be paid asap so that he can get rid of that problem-causing card.

I called Capital one and kept getting a run-around. They stopped my credit protection two days before they were supposed to take over the payments. Yes, Capital One stopped payment to my credit protection, and now all the interest has been built upon the card for 5 months total; and they are filing suit on me. Every time I made a payment on my card, I paid for the credit protection; but for some reason Capital One didn't send my credit protection the money--and then Capital One called the credit Protection and canceled my coverage. I hate Capital One. What can I do? I don't have the money to even pay on the card, and my Credit Protection that was supposed to pay my bill is canceled by Capital One. I never had this problem with my Discover card. They are paying my bill while I am laid off. What can I do?

I requested that the card be re-opened, and that request was denied. I asked who could appeal the decision, and the customer service guy said "Nobody". No hassle? Nice to know that Capital One punishes people for being a good customer!

Lower credit score.

My credit card bill was due a few days later, and I hadn't paid it yet. I generally pay it online since I am 4 hours away from this semester. However, I couldn't do it because they froze my online account. I gave them a different account number to take the money from since I didn't have the money to cover the whole thing (I wasn't planning on paying the whole thing in the first place). I hung up with them and thought everything else was fine. The following day, my parents called me and told me that Capital One had withdrawn the funds from MY account without my authorization. Since the account number I had given them wasn't 'registered' on my account, they took it from mine instead. I had told them that I would not authorize this, but they did it anyway. When I called them back, they told me, very rudely, that there was nothing that I could do, and nothing that they could do once the transaction was made. They then told me that I was lying to them. Needless to say, I was charged overdraft charges.

That night I took my fiance to dinner. I went to pay for the bill and my card was declined! I called Capital One and after being put on hold for 2 1/2 hours, at the restaurant, they finally say they are unable to tell me why my account was flagged for fraudulent activity and that I would have to wait until Monday to call back. This was the most horrific, embarrassing experience of my life.

How does a brand new account that was just activated get flagged for fraud? Meanwhile, here I am Monday calling Capital One and after another 1 1/2hours on the phone, they still can't tell me anything and now I have to fax in proof of my identity.

I have had 4 open heart surgeries and live on a fixed income(Social Security). I had to default. I had every intention of making the payments and did, until the bank became dishonest! This has affected my financial status, and my credit is ruined! I get threatening phone calls daily and try to reason with them; and they keep telling me to send more money! I am a nervous wreck over this!

I cannot speak to anyone at Capital One because they keep referring me to an attorney's office. I cannot speak to a supervisor and I am getting more and more frustrated by the minute. I want those other two accounts off my credit report.

My concern is that it should have already shown zero balance without me having to pay the $9.45 fee; and furthermore, when I checked my account after I paid the fee, the account is still showing I owe that $9 fee.

I never signed for a Capital One card nor agreed to one.

I was in the process of getting approved for a mortgage to refinance my properties in which I have an ARM, and they will mature in a couple of months. When the loan officer pulled the credit report, the loan was denied because of the information on the credit report. I spoke with a Manager named KBO on 3/1/08 and spoke with her in depth; and she agreed that the person who took the information down in Jan. was wrong to apply monies to late fees without my consent, and that the entire amount should have gone to the regular monthly fee. She was writing the information down to the Operations department to have them to remove the derogatory information off of my credit report. However, that has not been done, and I desperately need to refinance my properties immediately. What can I do legally to eradicate this from my credit report? I spoke with two Supervisor's, and they both agree that Capitol One was at fault.

As a result I have lost two loans for refinancing my mortgage at my primary residence and the mortgage at my rental property. I had also applied for a job and was denied because of the credit score.

I want to use that money to pay another debt.

On March 1st I called the auto-mated line to check my balance, and it stated that my monthly statement bill was $220.89, so I sent in the money order for $220.89, certified via mail. I thought that I paid the thing off. I called them today to see if they received the payment; and they did, but they had put an additional $28.00 over-the limit fee on my credit card. I got really upset with that CSR rep and told her that I will send in my $28.00, but If another charge shows up on my paid in full credit card ,she will hear from the attorney general, the Federal Trade Commission and the BBB. All I have to say is this card will never be used again. My advice to everyone who is having this issue with Capital one is to cover yourself by sending all payments and letters correspondents via Certified mail!

Because of this late payment, it ruined my chance of getting a credit increase within my 90 day period.

I now have a lawyer calling me wanting money. When I told them I could give them half, they laughed and told me they would see me in court. I think someone should really sue them for a lot of money and teach them a lesson.

To date, this has not occurred. As such, I have had to delay payment on a couple of other debts-- incurring late fees and additional surcharges and even borrowing money from family members, putting myself deeper in debt. When I look at my Capital One account now, I also see they have again attempted to rob me by charging a late fee of $39.00 to my account on February 19th, despite my making a complete payment on February 15th, not to mention the $811.40 they had illegally withdrawn from my checking account on February 16th. I have contacted Capital One electronically through their account message feature, demanding they remit to me the amount of $811.40. Capital One merely replied with a generic form letter, telling me to call them as they would be happy to help.

While mistakes are only human, it is my opinion that ONCE YOU SEE CLEAR EVIDENCE OF THE MISTAKE MADE, ALL EFFORTS SHOULD BE MADE TO PROMPTLY RECTIFY THE SITUATION especially where someone's money is concerned. Capital One was very quick to TAKE my money; yet when it comes to returning the MONEY THEY HAD NO RIGHT TO TAKE IN THE FIRST PLACE, there's a major delay. I believe CAPITAL ONE IS STALLING, in spite of all the money they have, and USING MY MONEY FOR WHATEVER EXTRA GAIN IT CAN PROVIDE THEM. This negative experience with Capital One has been extremely disconcerting; and because of Capital One, I now find myself in more debt.

I'm so sick of this company. We don't know what to do and how to get rid of them. They just opened our account back up so they could let the software co. charge us. Isn't that illigal? We have paid more than we owe, and it's hurt us emotionally. WE cant seem to get ahead on the other bills because of this. I dont want our credit score to look bad because of them. What to do?

On one occasion, I called mid-afternoon EST, got a bloke in India who kept repeating my question and telling me how sorry he was that I was having a problem, no doubt while madly flipping through the pages of a manual or scrolling down on his computer screen, only finally to ask me if he could put me on hold. Having invested nearly half an hour already, I said sure. Twenty minutes later, he came back and said he needed to put me on hold again, this time for nearly half an hour. Finally, he came back and told me that he was unable to transfer my call to the necessary Customer Service (and I use the term very, very loosely) person because it now was past 5:00 pm EST, and the office was closed. I nearly ruptured a blood vessel.

To date, 3-5-08, neither the check for the credit nor one for the Miles One account balances has been received. When, or perhaps I should say "if", this matter ever is cleared up, that's the end of Capital One for me. What happened to these people who once were so good? Did aliens take over the company? Perhaps the Gothic and Visigothic hordes they used in the commercials at one time ended up running the company.

On top of the stress resulting from the death of my wife, the aggravation of trying to get money that rightfully belongs to us has damaged my health.

I have a $500.00 bill now that I can't afford to pay back all at once. I recently have been paying my own medical insurance. This Capital One issue has caused so much stress by trying to get a hold of someone in customer service who will help me. They are all so fake and basically lie to your face that they are going to help you when they just transfer you on. I don't know what to do. Capital One scammed me and made $500.00 off me. I mean its been over a month and I still cannot get any help with this issue. I have to pay it back..even though they opened it with out authorization.

$139.92 for a day late payment due to Capital One's website being down for maintenance!

When I did speak to a representative, I was transferred, hung up on, or disconnected, thus had to restart the whole frustrating process over again. I have also not been able to access my accounts via their website, after logging in, I get a System Error message from their website and it tells me to call the automated phone service #! When I call the automated system to check my balance, it does not match the balance on my most recent statement by hundreds of dollars! Plus my payments are not posted to my account in a timely manner. I have finally canceled both of these cards and will never use Capital One again! Apparently, I have a credit of $103.29 on one of my cards, and they said they would issue a refund check in 90 days, we'll see if it even shows up.

It has ruined my credit score, because they reported late payments, and have always carried some sort of balance on the cards even though I paid it off each month, It has cost me more for fraudulent charges, like being charged 6 times in one month for Credit Inform, and that issue was never resolved. Spending hours on the phone or the computer trying to contact someone at Capital One is a total waste of my time.

So far, I haven't been able to find out from anyone what happened. The local police said that Capital One fraud has not called them at all. I have decided to just pay the amount to save my credit before it goes to collection, but they have never sent me any statements; and my online account payment ability has been blocked because of the fraud, but I can still log in to see the amount owed. I don't know what to do. If I pay it then I would be taking responsibility for charges that someone else fraudulently made. This is the worst experience with a credit company I have ever had.

I have suffered emotional stress, lost wages from taking time off work to call during the day since fraud department is only open m-f 8-5 (same hours I work), and negative credit rating.

I tried to call them to straighten it out, but it is next to impossible to contact a human through their Customer Service number. Finally I got a hold of some guy from India or Pakistan, and he finally transferred me to the fraud department. The fraud department said there was nothing they can do because my wife approved the balance transfer. I not very politely explained to the fraud department that a balance transfer was never even discussed. Why would I want to borrow money from Capital One to invest in a Money Market Fund? We have savings that we were thinking of doing this with. Who would borrow money to invest in a MMF?

Anyway she gave me the number to the dispute department which I can't call until Monday. We have been Capital One Platinum card holders for many years and have always paid off our monthly balances in full. Any advice would be appreciated. This is what I plan to do: I will call them on Monday, I will pay off my balance in full (less $5100.00), and I will not ever use Capital One again. Oh, and I will tell just about everyone I can how bad this company is.

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When I carry a debit balance on my credit card, I am charged interest, since Capital One is holding my $1,600 for 3 months, I believe I am due interest on my funds.

Forty minutes of a workday wasted.

Problem 2: I signed up for their credit inform service which I pay for. They tell you they team up with XYZ credit reporting agency, when in fact they are actually using whichever service reports the lowest FICO score. I believe this is so they can hold me to a higher APR. I only discovered this when I assisted my wife in signing up for the same service. Guess what? The reporting agency they used for her credit inform was completely different than mine! In both cases, the reporting agency was the lowest score and the hardest to work with in terms of disputes and corrections. We definitely have concerns about their practices now. Thank God I found this site and took time to read the ongoing complaints!

I have no idea how badly this is hurting me financially, but I can tell you this: It's costing me a whopping 17.99% - 18.4%. After reading so many of the really, really damning letters on this site, I plan to dump my credit card too - CAREFULLY, and one step at a time (so they don't reopen the thing). Something has got to be done about these uncaring, unconscionable scam artist crooks!

Capital One says I have to take this to their fraud department, because evidently my husband signed my name to get it approved. I want them to show me the signed application. They won't. Since I never signed it myself, I can't provide verification for something I didn't do. So far no damage, other than the fact that my credit is being harmed because the credit counseling folks will be paying Capital One off by my husband's payments to them. I do not approve of using credit cards, and my husband is aware of this. He knows that if he had asked me, I would have refused. Do they not have to provide me evidence that I did sign such an application?

Last month I made a payment of 90% of my balance, so now they are sending me checks to use. Last night takes the cake when I received yet more checks except this time they wrote one of the checks out to me for over $2,000.

One year later I was receiving bills for that credit card, so I called again and they canceled it again. A few months later they start sending bills again. After sending several letters they canceled it but now I have these bills reported as delinquent in my credit. I am still sending letters to see if they fix that in the credit bureaus.

WHAT?!!! How in the world can someone just re-activate your account and post bogus charges on it? They are now saying I am $79 delinquent, but I refuse to pay their bogus charges for the THIRD time.

Because of their practices, I am unable to secure a personal loan or any other credit card, since they are showing my account as delinquent.

But not only did I supposedly not quality for the lowest advertised rate, they shocked me by congratulating me on qualifying for a 9.99% loan- the HIGHEST rate advertised in the invitation. I was offended, and insulted. If there are laws governing the advertising of various rates for loans, Capital One would unquestionably be in violation.

They invade my privacy. They call me when I'm asleep, on weekends, weekdays, and they won't stop calling me!

This makes no sense. They can verify if they received both or one payment and immediately Instant Refund me or cancel the OVERPAYMENT. Their own policy allows customers to DELETE an online Pending Payment before a certain time, which I had plenty of time. It was Capital One's fault; the customer service woman admitted it was their fault with the online software flaw. She said I would have to get my bank on the phone or wait a minimum of 72 business hours for them to notice the mistake and then refund me. I asked why they would allow me to pay $2000+ over my balance? She didn't know. I know they will sit on my money and earn interest indefinitely WITHOUT refunding until I call and scream bloody murder. Capital One is a lazy company that does not actively correct their mistakes. I will never again use any of their banking services.

Millions of trees and tons of plastic were wasted for a 1% return on their part. Personal anger and frustration, as I cannot talk to anybody in that company intelligently (they are not set up to handle these types of complaints, which is part of the scam). My rights as a consumer are violated by this company that does not check the lists for persons like me who have opted out of mailings.

Of course they want that $39 fee for exceeding the limit. Most people will pay the card down eventually and just think of all those $39 charges they get. Well, I got put on hold for a half hour before I just finally hung up. They are customer no-service. My card is just $3000, so I am going to pay it off by either transfer to another card or just pay it down in a couple of months then close the account. They suck. Maybe if they lose enough customers, they might change but I doubt it. They subscribe to the old truism: There is a sucker born every minute.

No financial damage except the excessive $39.00 charge. This bank is unscrupulous, like most of them. If you think about this card - dont do it.

Consequences: a significant loss of my time during the workday and a high level of frustration. In addition, had I not made a payment before the due date, I may have incurred a financial penalty had I tried to make a payment on the due date, after business hours.

This is not the first problem I have had with Capitol One, and I can not imagine what damage they do to America when they worship daily at the altar of money.

I'll have to take more time tomorrow to write a letter to them to complain about the confusion and incompetence I have encountered.

I called them to have it taken off, and I concur with everyone else their customer service is deplorable. The representatives cannot speak English. They apologized for it, and transferred me to payment protection services who have canceled the service. But they tell me they are unable to take off the charge, because they don't see it! I agree with most people here, it seems Capital One's game plan is to nickel and dime customers by adding charges and fees. I took advantage of a balance transfer offer, and my account is close to the limit. If they charge anything else to my account, I get hit by a $39 fee. I've made an emergency payment of $50 to forestall such an eventuality.

Unable to take care of day to day expenses, depression, suicide attempt from psychotic drugs, panic attacks.

I am trying to get this straightened out. I can't seem to get a hold of anybody who's competent. THANKS.

I paid more than $400 to transfer a balance to a zero interest CapOne small business card - not worth it. They scam you with the fees.

No consequences, I shut them out before they can shut me out.

I simply assume this round about will begin again. I am at a loss on how to make this stop. I hope you can help. I had a credit card with them and always paid on time. I simply wanted to cancel the card and close my account in good standing. On the phone they always tell it will be done. I feel like I am being held hostage by them, and no one will take ownership of the problem.

I am afraid of my credit rating and this dragging on forever.

I continue using the card and all of a sudden my card is denied as I am trying to purchase materials. I quickly call Capital One, knowing that I should have about $5000 worth of unused credit. They inform me that they have decreased my credit line from $7000 to $2500, WITHOUT EVEN INFORMING ME! I was FURIOUS!!

While we were there we decided to get expensive tickets for the Chinese New Year parade. We went to withdraw money and the account was blocked. We then tried to pay for the tickets with Capital One and it would not go through. This is an account that is paid off every month so there was not a balance. Thank goodness, we had our trusty American Express. I had notified them also and they followed through. We would have been in big trouble if Capital One was the only credit card we had with us. Plus, it was embarrassing