Capital One Reviews

I have read some of the stories on this website about Capital One. My story matches these exactly. I am being charged every month for being over my limit. I can't even try to catch up. I can't pay it down enough to quit racking up the over the limit charges. Why was I allowed to go over the limit to begin with?

I have called several times to get a statement sent to me and I never Recieve one. Capitol One calls and tells me I am late on my payment and suspends my account. They force me to make a payment over the phone. All I ask is they send a statement. They can geet the terms and conditions sent to me but not my statement.

The director of consumer Services stated: We recently reviewed your credit information and have designed and offer we believe is the right one for you right now get this Capital one Platinum MasterCard ect ect!!

I'm a grad student, and I first opened my Capital One account about four or five years ago, after my first year of college. Over the years, my balance has waxed and waned, but after I received notice several months ago that they were raising their interest rates across the board (to the tune of ~16%), I decided that I didn't need to use that card anymore, but I would still keep the card open for longevity purposes. I still kept payment protection on my plan, as well as the CreditInform service, for which I have no problem paying $8.99 a month.

I have been a card holder with Capital One for many years. I have always paid off my balances each month. I have both a person card and a business card that I use exclusively for business purchases and also pay it in full each month.

I paid off my credit card with Capital one and they keep sending me bills with finance charges. I'm trying to keep my credit in good standing but this will not do. They kept uping my percentage after I had been with them for a long time.

Paid off my Capital one account with a debt consolidation loan from Regions Bank, its been 3 months and Capital One still has not credited my account. I have the Fed Ex tracking number, the signature of the person who took the check and a copy of the CASHED check. According to Capital One, they never received the money. $5,200.00!

I tried for several months to get Capital One to work with me; disputed the amount they said owed; they said they would send info but never did. Then today, May 10, 2008, they called three times from unknown name and no number showed up. Finally on the last call they said who they were and they were calling on behalf of Capital One. I told them I had filed bankruptcy and that they were not to call me again.

i got a credit card from capital one with a spending limit of 500.oo payments went fine till i got slapped wiTH a yearly membership fee. what? i wasnt aware of this,i managed to pay the first one,resumed my payments,and then another one. i have been paying on this 500.00 loan for 2 or more years and i now owe them over 1,000.00, on a 500.00 loan.

evry time i pay a large amount on the card they put a 6 day hold on it and every time i ask why they give me differant reasons of why they do. but what is odd to me is they dont put a hold on the small payment but when you out a big payment it goese into a hold. i beleive this is a way to try and get people to keep there payments low so they can get you with intereast. That is some sort of entrapment i think there should be a civil act against them because i have read many peoples complaints about the same thing

Recieved an offer saying that I was eligible for a card from Capital One. The letter stated that they had recently reviewed my credit information and saw that I had moved past bankruptcy. And they would like to have me back as a customer. I applied, as I am trying to re-establish my credit, but was turned down. The reason on the letter that appeared at my house days later? Presence of a Bankruptcy! What kind of a joke is this? Use my bankruptcy as an excuse to send me unsolicited mail, and then as an excuse not to honor it?

I started getting collection notices from a collection company and I told them that I did not have this account and they finally stopped trying to get the money. I notified Capital One and they claimed that I had paid on this account for four years and had stopped but I never had the account but they would not furnish any proof.

NO HASSLE, yeah right! This has been the worst credit card. No matter what I can't seem to get ahead with this credit card. I got my statement with a due date of May 2 which is a friday, the payment is posted on Monday and they charge a late fee. Then I get another statement with a due date of May 31. I don't get it. I never received a statement for the month of April but then I'm expected to pay twice in one month.

In 2003 I got a credit card from Capital One. I was 18, had a pretty good job and wanted to establish good credit. I was approved for and received a platinum card with a $200 limit. After paying at least 70% of my monthly balance on time each month for four months(August - November) I get hit with late fees(2 of them) which in turn causes an over limit fee and raises my balance owed to $300. Not much, admittedly, but it makes a big difference when you're just out of high school paying credit card, car insurance and other vehicle maintenance fees.

I opened up three credit card accounts with Capital One, sstupid me. All of these accounts where always paid on time. Actually I was in good standing until I had a layoff in 2001. But I figured I would be OK until I went back to work as I had the credit protect insurance that Capital One offered. So I sent a request out to Capital One that I was laid off and wanted to activate my insurance, that of course I had been paying for for some time.

I have a Capitol One credit card. I have had it for a very long time. It has a low limit which they refuse to increase. I haven't had a balance on the card since my last payment in September 2007. On March 10, I requested this account closed. I received an email back that after a billing cycle was completed, the account would be closed. After this, I emailed them again to inquire about when the account would be closed. They responded with the exact same message they had previously sent that the card would have to complete a 30 day billing cycle. I have since complete two billing cycles and sent another email to find out the exact date I could expect this account to be closed.

Capital One Bank, N.A. is a scam of a credit card company. They boast and advertise that they will help rebuild your credit, when inturn, they do just the opposite.

I was approved for a $750.00 credit card from Captial One. I charged the entire amount except for .076. when the bill came to pay the minimum of $15.00 I paid $749.24 back, several days prior to the due date. I come to find out CaptialOne has placed an hold on my account. Not allowing me to use the card. I wonder why? The reps seem not to know, but to tell me that the account is less then 6 months old. That's crazy.

I first got acknowledgment of a fraudulent account in my name in Jan of 2008. Have been dealing with them ever since. They supposedly closed the account and said I am not responsible for any charges made on the account [Feb 2008]. They were lying, because i received a bill on May 2, 2008 and a letter saying the investigation ended concluding that I am responsible for the balance.

I'm the type of credit card customer that utilizes a card for the rewards. As a result, I had not used my Capital One credit card in over 3 years. I had been a customer for approximately 7 to 8 years with an excellent repayment history. Honestly, I'm not sure if I ever carried a balance or not.

I had a credit card with capital one with 1,000 limit, in 2003 due to my divorce I could not pay the bill and the account was charged off. Since then I been able to recover mi finance healht and I benn able to settle all my bad debt (11 accounts) but Capital one. They will not work with me, now they want 3,500 and they will report the charge off even if I pay that ammount. I'm not going to do it, instead I'll use that money in attorneys and sue them for credit reporting violations.

I lost my job and I had a late fee of 39.00. I thought that was very expensive I have been paying my bills as much as i can and i cant afford a 39$ late fee. I have paid and I was down to 295$ in my credit limit. I know that this might be a stupid complaint but 39$ late fee is rediculus when i have paid every bill on time except for this one because i lost my job. Thank you for your time and maybe this can be delt with.

My account was behind and the over the limit, etc. extra fees mounting each month. Capital One attorney in Atlanta sent me a letter about paying off my account and reducing the amount owed. I got certified funds from Bank America and sent to their attorney in Atlanta, Georgia. This was in 2003. This past October, 2007, I was checking my credit report and found that Experian showed a judgment against me by Capital One for this account. They had managed to lie and get a Court order signed for the balance due. To date, each month they are adding interest fees.

I paid the minimum payment on my very low balance, low interest Capital One credit account by check. I wrote the check in the amount of $10.50. The check cashed as an ACH debit, which for whatever reason is harder to reverse. The check cleared my account in the amount of 1050.00, draining my savings, and creating overdraft fees (which were refunded in the end). I immmediately called Capital One, who bounced me to several different operators, all of whom insisted the check had been written in the amount of $1050, but they promised to send a refund check in the amount of $800 something (the credit on the account) later that week.

On April 25, 2008 at 7:08am, I made a call & talked to a certain Debra DXK47. I requested the payoff amount of my credit card & to close it. I was told to pay $544.57 for which I did on the same day thru USPS express mail in the amount of $16.25 for the next day delivery.

On 2/23/08 my wife went online to pay my monthly bill. The payment was due on 2-25-08. The website indicated any payment made before 3pm on Saturday would credit that day, anything after 3pm would credit on the next business day. The payment was made at 10am. When I received my next statement I noticed that the payment was credited on 2-25-08 and they charged my account a late for of 39.00 and an over limit fee of 39.00, because once they charged the late fee it took my account over the limit. I phoned the cs number and got a young lady with broken english, I tried to explain to her the problem, but I wasn't getting through. I asked if my wife could get on the phone and explain to her the issue, and she said I would need to add my wife to the account. I indicated that my wife didn't need to be added because I was giving her my permission then to speak with her.

I have had a CapitalOne credit card for about 5 years. I regularly charge items for vacations in the spring. This year, I tried to charge airline tickets, and CapitalOne refused the charge, even though it was thousands of dollars within my limit. I telephoned CapitalOne and was put on hold and cut off three consecutive times. The fourth time I just kept hitting the O button until I got someone. By this time, it was Monday morning, and I noticed that my airline tickets had gone up $400-500 after midnight. After finally getting someone at CapitalOne, I mentioned that I had lost more than $400 due to their failure to answer the phone or authorize a legitimate charge.

I used long-accrued Capital One miles to buy airline tickets to the UK. The week prior to traveling to the UK, I called to get a PIN so I could use my CapOne card to get cash in London. The first person I spoke to (located outside the US) had no idea how to help me, and when she went to switch me to her supervisor lost the call. I waited a couple days and tried again, and the next time got someone competent who addressed my concern promptly.

My husbands is CFO of a medium size company, they have (had) a Capital One Credit Card. When the corporate office moved they notified Capital One of the change of address. Capital One did not update their records. The company didn't pay the bill they didn't receive. My husband has been talking w/ Capital One to resolve this issue. In the meantime, their collection company has been calling our home as many as 10 times a day, asking for my husband and his work associates.

My son broke down on the way to washington and needed to by a new car. the dearship in Virgina needed $800.00 by Monday. It was Friday so I decided to place this charge on my capital One card. The day before, my wife's Mom died and shee needed to frly to Michigan. I again placed this charge on my Capital One card. On Saturday, my son and I also flew to Michigan to attend the funeral. Again I placed these charges and a car rental in Detroit on my car.

This is the letter I have sent twice to Capital One Corporate, so far no answer.

basically this has been going on for 6 months.We moved gave the change of address and didnt recieve statents.called backto ask why it didnt come.I was told it would be sent out,as not to be late .We mailed in a $200.00 payment. Still no statement,call again to see what i can do,they asure me it will be taken care of.

I have an account with capital one I've been with them for 7 years Just last week my husdband and I were looking at my account and my available was not rigth so I called and talked to an represenative he said that capital one took money from me because I was not using my card which is not true I have used more than half of whats on the card so now that they toke $1000 away from my account it put me almost to the limit can they do this? My acount is in good standards my payments aer payed on time every month.

I cancelled my Capital One credit card over 2 years ago. Capital One called me Sunday morning at 9am saying that I was delinguent. I called Capital One 6 times to get them to remove the charges from my card. They refused to do so suggesting that I needed to straighten this out myself with the company I had charged.

They somehow bumped my interest rate up to a ridiculous level. I called and they graciously reduced it. I decided to quit them anyway so I called for a payuoff amount. I asked for a three day window starting in 3 days and the man gave me 3 figures with dates. I immediately sent the highest amount electronically. The next month I got a statement with $1.81 owed on it. I called and they appologized and removed the balance.

I was on the internet trying to file a complaint against Capital One bank when found site after site loaded with people complaining about Capital One. What got my attention the remarks they made about the foreigners who answer the phone for Capital One. It makes me wonder, are these people here in this country or Capital one hiring cheap labor somewhere else outside the US. And these foreigners have access to my personal information? No wonder I have all these problems. Last December Capital one sent me a letter informing me that they put restriction on my account because someone took over my account. I tried to call to find out who took over my account and could not get an answer.

We applied for and received a credit card from Capital One in February 2008. This was an interest free offer until October. 2008. In the original application there was an offer for free balance transfers. During March, 2008, I called customer service and inquired about the balance transfer. They assured me that there would be no interest, and no fees associated with a balance transfer until October 2008. I then made arrangements to have a balance transfer from another credit card in March. A Finance Charge was registered on both the March and April statements.

We received a credit card statement for our 15 year old son. He apparently applied for and received a credit card with a balance of $300. While he has not yet activated this card, when we called to find out about closing the account we were told he would have to be the one to call. When asked who was responsible for paying the bill, we were told they could not answer that question either, but they could tell us that there is no age limit to apply for a credit card. This kid has no job and no way to pay for any charges he may incur.

I just don't know what to do anymore. I signed up for a Capital One card in Dec. 2007, because I kept receiving offers in the mail each week. After a while, I thought I might as well get it to buy Christmas gifts and pay it off in Jan. Yeah right! I was approved for 500, and charged just about 400. I have been over my credit limit every month since then, this month was charged 532 including a 39.00 over the credit fee! How can this be? I'm tired of calling month after month, being over my credit limit no matter how hard I try to lower it, talking to the foreign people over the phone who I don't understand, them charging me for everything even making payments over the phone!

I paid Capitol One 380.00, and back in November. Then they returned my check into our checking account and they charged us 39.00 for a returned check. There was nothing wrong with my check. The bank wrote them two letters to tell them there was nothing wrong with our check. They still did not believe us or them. I finally contacted the attorney general. They decided to drop it.

I FILED CHAPTER 7 AND IT WAS APPROVED IN NOV.2007. Capital One was not included. I fully intended to pay them each moth as I always had. The problem is I have not received any payment notifications for the last 5 months. I tried calling them to discuss it but they keep playing phone tag with me.

I get paid once a month, so I have to pay my bills a little earlier than the due. All of the companies who receive their payments on about the first of the month appreciate the early payment. All except Capital One. I made a payment through the mail that they received on March 31, 2008 for an April 26th due date. Capital One is saying that a payment 27 days early is much too early to be considered. Instead of applying the payment to the April due amount, they applied it to the end principal, and now they are charging me a late fee ($30).

My credit limit was lowered because you have not taken full advantage of your credit line. I have had a zero balance for several months.I have a very good credit score (740), and never late paying. It seems they were tired of refunding the annual fee,and getting no interest from me, so they encouraged me to close the account with that insult. It worked.

I've had a Capital one card for 5 to 6 years now. I always paid on time never went over my limit and now they decide to lower my credit limit as a thank you. Not only does this effect my creidit score but why treat your good cutomers this way. I almost went over my limit because they did not tell me at first they did this. I had extra money and paid my limit off lucky because if I had gone 600 more I would have been over my limit and not even known. When I called they said that's just how it is.

I am writing you today because I feel that Capitol One has been pulling some fast ones on its credit card holders. Myself, being their latest victim. Perhaps I should start from the beginning. On March 20th I attempted to make an automated payment to Capitol One for $300.00. The attempt failed. A red note popped up on the screen saying the system was having difficulties please try again later. I waited until the next day, and it said my $300.00 transaction was successful. The following day, I notice in my checking account that the first transaction for $300.00, did in fact go through. Now, Capitol One has withdrawn $600.00 in two days from my account. I immediately get on the phone with Capitol One who apologizes for the mistake, but then informs me that this is my fault for not double checking before making the second payment attempt. Call me crazy, but when my credit card company tells me that my transaction did not go through, I am pretty likely to take their word for it.

i have just payed off my account with capital one or so i thought i owed 482.15 and sent a check for the full amount some how only 82.15 was applied to account i have called several times but no ones can give me a reason why mean while they are sending me bills for which i have payed off

Short and sweet. Credit card was dropped at a store and did not know it. Over 1100.00 was charged to the account. Capital One sat on it for a month before I mentioned the OCC and State Attorney's office. They reimbursed all but finance charges, insisting they did but the billing statement said otherwise. Contacted the OCC, Office of the Controller of Currency, filed my complaint and the rest is history.

I signed up for a $300 limit Capital One card in December 2007. They promoted no payments until May 5th 2008. That was the only reason I signed up for the card. I spent just under $300 so they charged my cad with fees to put me over $300 so they could charge me with more fees. Thats not the worst, I can live with that. Next they charge me evey month for not making a payment starting in December.

They are suing us thinking that we just don't want to pay them, when in reality we can't, because I'm disabled and can't work.

I had a delinquent credit card account with Capital One. The Law offices of Bleier & Cox contacted me regarding the delinquent balance. I agreed to make payments to clear the balance, which at the onset of the communication was $1458.00. I explained to the representative of Bleier, that the original balance was $758.00 and that after I paid the $758.00 I wanted an re-evaluation of the proposed delinquent amount of $1458.00. Mr. Wiggins sent me a confirmation letter stating that the law office would re-evaluate my payment arrangement on 10-15-2007. I never heard from Bleier law offices until I decided to stop making payments in March 08.

I did not authorize use of a Capital One credit card to a company(GPNETHELP.COM)..Miami Beach FL.... Capital One refuses to STOP the charges...only put in disput..and they will still charge account...no matter what I say...they also refuse to HOLD or CANCEL card...

I attempted to close my account after being charged an annual fee. I was told that after one billing cycle, it would close. When I called today, it became 2 billing cycles.

I had been receiving offers from Capitol One for a zero percent interest rate on transfer balances for the life of the amount transferred on a new account. I accepted the offer and transferred about 2500.00. Now within about 6 months I have received a letter from Capitol One stating that thy made a mistake and he interest rate will increase to 5.99.

They call 10-15 times a day, no one is every there, but when you hit redial, they answer Capitalone. I stayed on the line for 10 minutes before, finally, a busy signal came on, one time they had hold music. they start calling as early as 8:00 a.m,, all day day until 9 or 10 pm. 7 days a week.

Thank you for saving me from probably a huge mistake. After reading all of these reports of so many, many people being conned by CapitalOne's business practices, I just emailed them to cancel the one I just received. Was intending to use it for the specific zero % for 12 months rate on balance transfers specifically noted in the mail solicitation of pre-qualified credit risks. Had no idea it was all phony and would mysteriously disappear, just like some of your correspondents here reported happening to them!

I signed up for a $300 limit Capital One card in December 2007. They promoted no payments until May 5th 2008. That was the only reason I signed up for the card. I spent just under $300 so they charged my cad with fees to put me over $300 so they could charge me with more fees. Thats not the worst, I can live with that. Next they charge me evey month for not making a payment starting in December.

I opened a credit card with Capital One to do a balance transfer. Immediately upon opening the account I realized there was 3% fee associated with the transfer. I called capital one with in 5 minutes of requesting the balance transfer to cancel it. They told me they could not do anything until the account was created. They asked me to call back the following day. I called the following day and they assured me that they would be able to cancel the balance transfer and I would not be subject to the 3% fee. They asked that I call again the following day to be sure that they could stop payment. I called the following day and they said it was all set and that I would be receiving a letter confirming the stop payment.

Capitol One continually bills me Past Due fees and interest on a balance that is in dispute. I have not used that credit card for nearly a year now, but they have not been able to resolve the fraud charges and the dispute filed. Every month I have to call to have the illegally charged Past Due fees they try to tack onto the balance that is in disputes.

Now that I am seeing comments from other consumers regarding difficulties in trying to make payments to this company, I am very apprehensive. I am trying to re-establish my credit after being forced into bankruptcy due to medical bills. I have just finished reading several consumer comments stating that Capital One credit card bills were 2-3 months late - and upon receiving bills, there were false charges from the Capital One credit card company. These charges included late fees (when the bill was 2-3 months late)Identity Theft Protection charges that were not authorized by the consumer, Miscellaneous charges from the company that caused consumers to go over their limit, etc. One consumer is still in civil court with this company - another consumer stated that the Credit Card company had caused a negative effect on their credit rating. I would like to know of other consumers who are having difficulties with Capital One. It worries me that I cannot find any kind of on-line bill payment, and have not received anything in the mail from this company.

Capitol One assessed me a late fee of $39.00 and increased my APR from 12.9% to 25.9.

When I recieved my Capital One Credit card in 2001 I found an unwelcome charge on it in October for MWI Essentials for $96.00. When I called Capital One they told me they did not know what it was for and told me to contact the phone number which was written next to the fee on my credit card statement. This number did not work. I called Capital One back and asked if they could provide me with info re: what this charge was for. I was told they would not have that record and suggested I'd keep better records. In July 2002 I was again charged by MWI Essentials for $109.95. I wnt thru the same steps again and this time when I called MWI a recording told me the number has been changed. I wasn't given a number to call, which made me feel very concerned.

I logged into my account online to check my statement to make sure there were no charges and look into a credit line increase as I had paid the remaining balance off on the card last month. Well, imagine my surprise when there was a message stating my account was closed and to call the 800 customer line.

CAPITAL ONE SNAFU. Over the weekend (Saturday) I tried to make a payment online on my account. First it told me I had to put in my bank info (which had been there for years). So I tried a different way to pay on-line (same site) and got through. However, when I went to approve the amount, I got a RED NOTE saying they were experiencing difficulties with my account and could not process it. On Sunday I tried again to make a payment, and once again I got the red note saying it could not be processed. On Monday morning I checked my Cap One account on line and both payments were processed. I called Monday morning and spoke to Melanie. I told her I needed someone to troubleshoot my account because of the difficulties I had and wanted to have one of the payments returned. She was helpful and called my bank and we both spoke to a rep who assured me that no payments had gone through and there were no presentments. Melanie put me on hold to fix my account.

I recieved a letter from Capital One stating that if I would call a financial solutions specialist would assist me in achieving the goal of working with me to bring the account up to date. The offer from Capital One-make a payment and no further derogatory imformation would go on my credit report. Where was the help? The phone number I called for help said we'll work through this together--NOT! It didn't happen. It was only make the payment and no further derogatory information on credit report.

unauthorized charge which was removed and then recharged to an account which was closed in 8/2007. Capitol One calls all the time several times a day and early and they state that they will ruin my credit which is pristine. I am now in collections and can't talk to anyone who can help-they switch me to many depts and all in vain. It feels like hell and I can't extricate myself from this unscrupulous company.Please help ,I can't reason with them anymore, they just want the money which they say is $1,300.

I received an offer for 0% balance transfer and have been charged every month. When I called the first 3 months, they said they would fix it. Now, they say there was never an offer and that I was mistaken. Why would I transfer a balance to a card with a 13% interest rate? That doesn't make any sense. They've conned me out of $300. What can I do?

With an agreement to pay account up to get into good standing. someone didn't do their job and record A $100.00 credit that should have been applied. instead agreement was ignored and more fees added. called three times to try and fix now they claim no agreement was ever made. All this bank wants is late fees and overlimit charge fees to pile up high.

We fell victim to evasive marketing. My wife and I have used a Capital One credit card for years. We use it for basically everything due to its convenience and to accumulate redeemable points. We religiously paid the card off every month.

We have to keep paying more and more money and accounts that are no longer open. Plus you cannot talk sense to them even if you get someone.

Since my wife and I are planning a trip to Hawaii next summer for our 30th anniversary, we thought a Capital One card offer with 20,000 bonus miles (any airline ) would be a good way to pay for our flight. We responded to the call in application phone number and specifically asked for a JOINT account. She said sure, and took my information. I asked if she wanted my wife's information and Nicole Minter said I would have to wait for my card and then sign my wife up as a user. I said that doesn't sound like a joint account and then she informed that it wasn't. I told her that if it wasn't a joint account that we didn't want the card. Nicole Minter informed us that the application had already gone through and that there was nothing that could be done. She gave us a customer relations number to call.

They charged a $30 fee for allowing me to have a credit card with them, even though I was only 20 years old when I opened the account, last September, and I only had a $500 credit line. $30 is a pretty big chunk for something I didn't even WANT (who wants to pay a $30 fee for them to screw up their online banking records?!?), not to mention the 24% APR they tacked on it because it was my first credit card. (For 24%, I should at least be GETTING something back, such as points, or airline miles, or something... but no. & it is something that I REGRET every day since I opened the account)

Threatened to report to Credit Companies if not paid in time.

Reduced my credit score, which is quite good. Caused me undue hardship to deal with this issue while suffering a life threatening illness. I am a professional 57 yr. old COO of a company and the manner in which this was handled is inexcusable and fraudulent.

On March 29, 2008 I called for technical support. I have forgotten My ID and my password. After we had that fixed the person on the line started to tell me about an offer to send me a check of $5000.00 0% for a year. I told him to mail the check and the info to me. The next day I checked online for my statement and there was a $5000.00 charge plus $150.00 finance charge. How could they charge me with $5150.00 without me even receiving the check or cashing it? I did not authorize the charge and he never told me about $150.00 finance charge. When I called they told me it is going to take seven days to fix, meanwhile they are taking interest on the money.

I received a claim for payment for a account I do not have and do not owe any perceived balance showing on this farcical bill. Upon review of my records and the most recent credit report from all 3 reporting agencies this account number does not appear anywhere in my records or credit report. This appears to be an attempt to falsely attempt to collect money on an account that never and does not exits. I requested, in writing, this fallacious attempt for settlement of an account past due from all records. I do not have an account with Capitol One with this account number and any further correspondence regarding this matter will be construed as harassment and be forwarded to the Attorney General for action against OSI Collection Services

I was unaware that Capital One had as many tricks up its sleeve as it does till I read all these comments (about 160 pages worth). I thought it was just me! Several years ago I went into a debt repayment plan through a credit counseling agency because I was falling behind in my credit card payments. Capital One never could credit my payment on time, so instead of my balance decreasing each month, it increased due to late, over-the-limit and who-knows-what-else fees, not to mention interest compounded on interest. Oh, and for anyone who might be considering entering into a debt repayment plan with these yahoos, be sure to read their agreement letter very carefully. You will find they commit to NOTHING! What started out as a $700 card now has a balance of over $3000 - at the time they filed judgment against me. Even after the judgment became a matter of public record, they continue to send credit card offers. And now they threaten garnishment. If I had the money, don't they think I would have paid them before now? So, I ask you, remember those barbarian ads they ran a hundred times a night on the TV a few years back? Guess we know who the barbarians are now, don't we?

I recently applied for a credit card through Capitol One. As I was trying to activate my card the customer service rep asked me how much I paid for my car loan each month. Since the car was a gift, I did not immediately know the answer. After rushing me through a few more questions he stated I had to fax my SS card, driver's license and copy of a bank statement. He assured me I would receive a phone call shortly after that. Shockingly, after submitting all that information I never heard back.

WOW, what a hassle to speak to a real HUMAN BEING at Capital One. Took me 30 minutes to go through the maze of menus and not ONE option was to SPEAK to a customer service rep. I finally went to the cancel an account menu and found a real person, naturally! To think I was contacting them to notify them of an unusually large purchase I intended to make and I nearly cancelled the account because I was so annoyed. Here's a hint, to avoid the annoying phone menus, just press #, and keep #ing them until you get a real person. The man I was speaking to had to do that just to get me transferred to the Fraud dept, so they could note my purchase. Then to annoy me a little bit more the woman in the fraud dept acted like...yeah so what, you're making a big purchase. Unless they address this petty annoyance I seriously doubt I will keep this card!

Opened a Money Market account with Capital One. Have never received any paper work and have been trying since August of 08 to get account information. They have my $6000 deposit I put in to open the account. They have been rude and tell me that I am a fake. They keep giving me the run around on identity verification. Seems that a social security card, driver's license, birth certificate, copy of utility companies are not enough.

In May of 2004 I received a phone call from Capital One demanding payment. I was told that I owed them $80,000. (I am not making this up.) I had a $300 credit limit. The best is they were saying that the charge was at the convenience store up the road. I never made this charge. It was fraudulent. I looked at all the paperwork for the convenience store. They didn't have the $80,000's nor did the paperwork show that type of charge. I also spoke with the gas company. The gentleman there told me what to do. He had checked everything from his end. Also, since I had not received a statement, Capital One had no legal right to contact me demanding payment. After talking with them on the phone and getting a lawyer involved they finally admitted verbally that it was an error and they would take it off. They also informed me in the initial phone call that it had already been reported to the credit reporting agencies. However, when they finally admitted their error they again verbally agreed to contact the credit reporting agencies and take it off. This is almost 4 years later and they still have not taken it off. It still shows high balance of $80,000's.

Someone got my credit card and used it for a suspect charge that was denied. I was never informed of this so when I tried to use the card days later it was declined. I went through Capitol One's long phone option menu and finally got a gentleman that I could barely understand because of a heavy accent. He tried to verify charges with me and I asked to speak to someone else because I couldn't understand him. He said hold on and promptly hung up on me.

I sent off the exact payoff amount for my Capital One credit card to Capital One. I was told the account had to cycle for a month and would close this week. I received a bill for $26.09 for interest charged, after I sent in the full amount quoted to me by their employee. I called again, just keep getting people in a call center in India, who tell me the account has to cycle. Why is it cycling when I paid it off and shredded the card? Now they told me that the card will cycle TWO months, therefore they will be adding another finance charge next month. They refuse to cancel the card. I've told them verbally on the phone to cancel the account and written letters. I even got a refund from them for $20 and a letter stating the account was closed, but in very small print, would have to cycle out. I can't get them to close the account and do not want to be billed over and over for finance charges.

I am tired of the harasing phone calls. I do the best I can and they are not willing to work with anyone. They only care about when they will get their money.

I have had a credit card with capital one for more than 5 years. I have an excellent payment history and even paid more than required most months and ended up paying the whole balance of 2300.00 off this month. I had to because my interest rate went from 9% to 27.99% a few months ago. I feel like they punished me for paying more than the required payment and paying off my credit card too early. But at that rate I can't afford not to.

I have had a Capital One credit card for about 12 years. This statement is in direct opposition to the other remarks on this web site. I have had nothing but good service from Capital One, and I use their credit card for all my purchases. I make a payment each month that is equal to, or over the amount owed and I make that payment on time. After reading several of the other complaints listed here, I have no doubt that some of them are correct; but some of the others sound contrived. I have always found that if one has credit, then abiding by the rules, ie; be conservative on charges, and pay on time--is the best way to avoid all the problems that may arise later.

They did the same thing that Chase does. I was paying all 3 of my C1 cards on the same date for years (3rd of the month) and all of a sudden, one of them was due about 4 or 5 days earlier and I got slapped with a $39.00 fine. It took months to figure out what even happened. I think this happened about a year ago as I just checked my 9-07 statement.

We have used a Capital One Visa ($20,000 limit) for all our monthly expenses. We have always paid the bill in full each month. We received an offer of 0% for 18 months on balance transfers. We used the offer and transferred a $14,000 balance. There was a $280 charge on the initial transfer amount which was fine since we would be saving more than that with the 0% interest for 18 months. The first bill came in after the transfer and we again paid in full all our monthly charges. We also paid an additional $700, with a seperate check (from another checking account), to be applied to the $14,000 balance transfer.

I have been on medical leave for the past two months after serious neck surgery. My husband is working two jobs to make up for the financial loss. I receive calls from Capital One all day for my husband, with several calls within an hour, as though he will appear suddenly and answer the phone. I spoke to a supervisor and faxed in a letter asking that the calls stop. Two calls within 35 minutes were received the following day. I feel that I am being harassed, and this is not my bill. My doctor will be sending in a letter next. My Capital One card balance was transferred to National City immediately, and their card is no longer in my wallet. As far as I am concerned, Capital One is despicable, and my mission will be stop people from using that card.

I was laid off in October of 2007. When I applied for the Capital One card in 2004, I took out the credit protection plan that was supposed to pay my credit card if I was ever to be laid off, disabled or became unable to work. I called Capital One and the credit protection a week before I was laid off to notify them of this happening. They told me that they were sending out the paper work, and it should arrive in a couple of days. It was several weeks. I kept calling, and they stated it should be arriving soon, but we will go ahead and send you another one. I filled out the paper work and sent it in; plus by that time I had received my first unemployment check. I made a copy of it, and sent it in for their records. Never heard from them for three months, until an attorney called me and said, "Capital One has filed a lawsuit against you." I exclaimed, "What?"

I was a Capital One customer for over 5 years. I have held the same card for all that time and accrued a very high credit limit. I have been making automated payments every month for the past year, well above the minimum payment and on time. I recently called them to confirm that I paid my balance in full, and they told me the card had been canceled! "Canceled by who?" I asked. Capital One has canceled the account. When asking why they could not give me a reason, they asked if I had ever filled bankruptcy with Capital One? No, I have excellent credit I.

I had my wallet stolen, and received a phone call from capital one about suspicious charges. It was difficult enough just dealing with them on the phone; they sent me in circles and kept putting me on hold because none of them could help me. The reason was that I didn't have the security code on the back of the card. SURPRISE, since it had been stolen. I understand there is a code for a reason, but they told me to hold for someone with the authority to ask me security questions, someone else would answer and they too, were unauthorized to ask me those questions.

I received my new Capital One card on Friday, 3/7/08, activated it and used it for two transactions totally about $25. Saturday morning I called the automated system and it said that I had an available balance to use for spending, as I should since I only spent $25.

I had a problem with Capital One not closing my account after my request and allowing charges to be made on a closed account. I recently made a formal complain to Capital One and to the Virginia Attorney General. Now the complaint has gone to the Comptroller of the Currency Administrator of National Banks, due to the fact that they Federally oversee banks actions.

I had a Capital One Card that I had been making monthly payments to and ON TIME! I soon kept receiving notices that I was late with my payments. I called and was told the fee would be waived. It never was! I soon started sending the payment the day the mail was delivered to my box; and still they kept charging me a late fee! Soon the interest and late fees piled up. I could no longer afford to pay off the card and or make a payment!

Capital One has reported that I have 3 credit card accounts with them when I only have one.

On 3/2/08, I paid $250 toward my Capital One account. On 3/5/08, I paid $459.41 making my balance zero. I called to check the account status and it was at zero balance. Today 3/9/08, I checked my account online again, and it showed I had an outstanding balance of $9.45. When I called customer service told me I had to pay the remaining $9.45 balance and then my account would show zero.

I was applying for credit, and there is a CAP ONE on my credit report. I tried to call and get information about this account, and no one can tell me about this account. Please help me in finding out about this; thank you.

I paid my January bill for 2008 in the amount of $671.05 for my car note on the telephone with a representative from Capitol One. He took all of my information for the bill via phone conversation, to apply that credit for the month of Jan. At that time nor at any other time have I ever been 30 days late. When the representative took the money over the telephone I was 10 days late, and I had already input the information on the computer to pay it; but he convinced me to pay it with him. I had $105.00 in late charges that had accrued for 10 days late on the car note. However, none of them were 30 days late. I had perfect credit. Instead of the representative asking if I wanted to apply $105.00 in late fees to the car note, he took it upon himself to apply $105.00 in late fees and did not apply the full $671.05 to the car note. Capitol One then decided to contact the 3 Credit Bureaus and say that I was delinquent in paying them for a one-time 30 day on the credit report.

I called to pay off my credit card balance on 1/24/08. I was told my payoff and paid that day electronically. On 2/5/08 I received a statement saying that I owned a finance charge of 37.51 plus a transaction fee of $20.00. I called on 2/08 and complained to a rep. that I should not have received a charge but he insisted that I owed it because they didn't give me my correct finance charge. Capital One wanted to add on a $15.00 transaction fee until I asked to speak to the manager. They said they wavied it and I paid via the rep. electronically.

Today, 03-07-08, I received my Capital One statement. Their are two charges for credit information on 01-22-08 and 02-20-08 which put my credit card acct. over limit. Now they can try to charge this acct. $39.00. The person I tried to talk to said that the charge account would not accept the charge. This account was over the limit last month because of myself; this month Capital One wants to charge the $39.00 again by putting JANUARY credit information charge on FEBRUARY.

I made an bank transfer for the amount of $5000 to Capital One, so I have credit of $2763.38. I called Capital One to have my money back. I was told that it would take about 45 days for me to get that amount. I think this is an abuse from Capital One. I had talked to 2 senior managers; both gave the same answer. One was Carlos KUZ327 and the other Claudio YPB236.

I've had my Capital One Credit card for 3 months--and let me just say this is the worst 3 months of my life. I sent in my first payment before the 1/09/08 due date. Well, I received another statement for the 2/09/07 due date, so I sent in a $50.00 on 2/7/08 and checked the status of my payment. That's when a customer service rep told me the payment was late, and they charged me a $39.00 late fee. I told her I only live 2 states away; I know it shouldn't take 3 days for a payment to get to Maryland to North Carolina. She stated she was sorry and she waived the late fee. On February 22nd I sent in another $50.00 payment, and when I called in to check to see if the payment posted, the CSR told me the $50.00 went towards my finance charge. I got irate with her, and told that it's too early for her to give me that charge, so I ignored it.

About a year ago I contacted capital one and told them that I was out of work and was taking care of my very sick mother. I could not pay my $200.00 account. They told me they would work with me, and boy did they. They upped the interest and kept charging late charges; now I owe $674.00. They also sent it to a lawyer, and I cant pay the higher amount.

On 2/15/08 I made an online payment for THE FULL AMOUNT OF $811.40 as was shown to be the balance on my account, therefore, bringing the amount owed to zero. On the following day (2/16/08), I placed a call to Capital One's customer service (800) number to confirm receipt of this payment, as it did not show when I looked it up online. The representative I spoke with informed me she did, in fact, see the payment and would apply it to my account. What she did, however, is ERRONEOUSLY APPLY A SECOND PAYMENT OF $811.40. When this was brought to my attention, at a later date, I called to inquire as to why my account was now showing NO AVAILABLE CREDIT. It was explained to me that because I had made such large payments so close together, the MONIES WERE BEING HELD FOR SECURITY REASONS and to protect me, the customer. I questioned the term PAYMENTS SO CLOSE TOGETHER, as I knew I had only authorized one payment. I explained to the representative that I had only owed $811.40 and that I would not have made two payments for that amount, a total of $1622.80, especially when my credit limit does not go that high. I was assured this mistake would be looked into, rectified and all monies belonging to me would be returned to my checking account.

They raised our APR rate to an unheard of amount without telling us. Then we had another credit card pay them off, and we kept getting more bills with a finance charge on it. When we called, they said the charge was added before we closed the account. Well, we paid it; then came another one with a late charge. Now after the account is closed, we get a bill; a PLI maximum software co. charged us with a disk we received without asking or subscribing to at all. We haven't even heard of them. We can't get a hold of the software company. The Capital One people say it has a 30-day window, and it came in right before the 30 days.

Both my wife and I have been Capital One Bank credit card holders for many years and, until recently, found it to be a superior bank with which to deal. We appreciated their close scrutiny of card activity to catch fraud before it occurred. Recently, this all changed. When we tried to convert our Miles One points into cash, the promised checks never arrived and calls only elicited more promises to send such checks. Letters on this matter were never answered. My wife died in January with a fairly substantial credit balance on her account. Calls to Customer Service attempting to have the credit amount paid by check ended up either in Bangalore, India, or someplace in the Philippines.

A year ago I paid off My Capital one credit card, closing my account. About two months ago I received a check in the mail in the amount of $500.00 from CapitalOne. Along with the check a note affirming my closed account and that were sending it back to me. I thought it was strange since the account had been closed for a year already. I was happy for the money that I thought they owed me and deposited the check. Then a couple weeks ago, I start getting letters telling me that Capital One has made an error by sending me the 500.00 dollars and due to this error they have re-opened my account and debited 500.00 to pay themselves back. I feel this is fraud. They are not aware of any of it when you call the customer service. They keep transferring you to all sorts of people who can't help you at all. I feel taken by the fact they opened my account that had been closed, without my authorization. I feel unheard and that it is impossible to get anyone to help you in person.

Ever since I took out the credit card I never received a bill or a date that it was due. I pay my bills every month by the first 2 weeks of the month. I got numerous late charges. Then on top of it, I would get over the limit charges because all there charges put me over the limit. I called them and every time I get someone with a thick accent that I don't understand, that tells me they see how I pay my bill every month at the same time but unfortunately 2 payments were put on one month. They can see the problem but can't fix it or credit my account because the bill wasn't paid according to their schedule. I still have not received a bill or the previous bills I've requested numerous times.

I missed a monthly payment by one day after attempting to pay online TWO days in a row during a webserver maintenance downtime. I called in to have the $39 late payment fee reversed and they did so without much of a problem. Two months later I discovered 2 late payment fees of $50 each. I tried calling customer service 5 times and talked to every level of customer support and they were only able to waive one of the $50 fees. On top of this, I was accidentally disconnected TWICE while stating my issue! I was finally told by the top tier of service that they could do nothing else and I could write a letter to the company headquarters if I wished. I should have never trusted a company who's customer support is nearly impossible to reach via telephone and when you do they are unwilling to resolve an issue that was caused on their end.

Capital One has charged me for late fees and over limit fees when my bill has not been late. They have increased my APR as a result, causing the cards to go over limit constantly. Even though I have made payments and paid them off! The cards never seem to have a zero balance, even though they haven't been used in a year! I have also been charged for Credit Inform 6 times in one month, and could not get that issue resolved IF I actually spoke to a representative, after battling with their automated phone system, which has NO prompt to speak to a representative. The only way to speak to a representative is to select make a payment which they charge your credit card $10.00 to do so!

Cancellation of credit card was given 12-14-07 with a credit balance on hand. Check for balance has been promised three times and as of 03-03-08 nothing has been returned. Telephone conversations on 03-03-08 between three different customer service representatives all produced the same results. Only verbal commitments that a check would be forthcoming within thirty days. This is the same comment that has been given three previous times yet nothing has happened.

I lost my Capital One card in Oct. 2007 and reported it stolen as soon as I realized it was gone. There were over $800 in charges. I completed all of their fraud forms and filed a police report. I heard nothing from them for months and decided to check my account online. It shows an overdue balance in the amount that I had reported as fraudulent. I have tried to call Capital One, and every time I speak to one person they transfer me to someone else. I usually get hung up on and then have to call back and go through the same process.

On 2/25/08 my wife contacted Capital One to ask about their Money Market Funds. We were thinking of putting some money we've saved into a Money Market Account and simply wanted to know what kind of interest we might earn. On 3/1/08 we received a letter from Capital One stating that our Balance Transfer had been credited to our account. I logged on to Capital One website and found a balance transfer of $5000.00 and finance charge of $100.00 for the transfer dated 2/26/08. My wife never discussed or requested anything about a balance transfer.

I have about a $1,600 credit balance on my credit card. I asked to have the card canceled and my credit balance refunded to me. After waiting a month, I called customer service and was told their policy is to refund the balance 90 days after my request to close account.

I applied for a credit card and was declined, based on the report from Equifax. They also said I was entitled for a free credit report if I request it within 60 days.

I checked my credit report to find that my account with Capitol One was still open. I called on three phones at the same time, and it took 27 minutes on hold before the first one was answered. The operator put the wrong address for me four times! I had her repeat it until it was right. I am VERY nervous as to whether it has actually been closed or not! I thought I did this all in 2006 (last credit check) and have SERIOUS concerns about their customer service.

First I will tell you my wife and I had a bankruptcy nearly 3 years ago. My wife and I have worked hard to clean up our reports (as best as possible), and we have paid every single bill on time during our post bankruptcy. Obviously, we pay a higher rate than most but, please read on.... Problem 1: During one of my visits to Capital One's website I noticed that if you pay via the phone (after they charge you $10), they post the payment with negative comments such as NSF, Late Fees, etc. The reason I had to pay via phone was, at the time I didn't have my car payment set up on internet, and I was receiving my payment coupon later and later every month which I believe is on purpose! I wrote and complained that I have NEVER been late or had an NSF, and the only reason I paid via phone was because I was literally getting my coupons 5 days before the due date. (Whatever happened to just getting the entire coupon book?) They wrote back saying this is a general fee category that they post those notes to and denied sending my coupons late. Well, I fixed their collective usury-- I refinanced the vehicle without saying a word.

Our son who is in the military has a Capital One card. He has asked for benefits under the Service Members Civil Relief Act to no avail. He got a letter saying that he would get a reduced interest rate, a 2% minimum payment, have no over limit or late fees. But every month his payment required is more than the stated minimum, and he gets late charges and over limit fees. When will this ever end? What happened to their obeying the Federal law?

My husband applied for Capital One credit card in 1998. He didn't tell me that it was also in my name. We went to credit counseling today. They said I could get my name off of the account. I have not charged one thing on this account or on any other account like this. My husband said he put my name down so I would get a card. Capital One says I signed the application. Both my husband and I deny this.

My ex-wife opened an acct under my soc.sec# and didn't pay it, so it's on my credit report. We reported to Capitol one and local pd, all we needed to prosecute was something from capitol one with the date off application on it. They said they would fax it and mail it and I haven't received it, and they will not return my call or help me in any way. I am the victim and they treat me like I am no one, I want to files charges so this can be off my perfect record, but I can't get any response. Can anyone help me?

Usually once a year I do not receive my monthly statement. I am forced to call and make the payment by phone for which they charge me. Then they charge you a late fee on top on the processing fee for making your payment by phone. Then I pay a yearly fee, which they never give you notice is coming up, so I end up with an overdraft fee on top on the yearly fee.

I requested a Capital One credit card in 2004. They gave me a $200 card that I never activated or used. I called to cancel it and they canceled it by phone.

I closed my account, with the balance paid in full. I sent a check, attached a letter and copies of my statements showing that I've paid the account off TWICE, but somehow I keep getting collection calls stating my account is past due and delinquent. When I spoke to one CSR (who would actually let me speak) she said it was for the Credit Inform and Credit Protection plans. She said when the monthly charges come through, your account is automatically re-activated.

I received an invitation for a loan advertised at 6.99% fixed rate loan. Now, at the risk of sounding braggadocios, if there is ANYONE that should qualify for a tier one rate (or close) its me. With credit scores in the high 700s, smart debt management, tons of equity in property assets and a six figure income I am (or should be) a lender's dream.

Capital One keeps calling my home regarding some charges (which were fraudulent, and they know this). This person no longer resides at my address. In spite of what I tell them, they harass my home number constantly, 5,6,7,8 or more times a day--AM or PM. They don't respect me and stop. When I told them to stop calling my home, a lady told me (very nasty, by the way) that she will keep calling my number until they get their money. PLEASE TELL THEM TO STOP CALLING MY HOME, or I will take further legal action!

On Sunday I performed an online transfer of $2,000+ from my personal bank account to pay off my Capital One credit card balance. I've done this every month the past two years. I checked the online status of the payment on Monday. The Pending Payment was missing/deleted and showed No pending funds applied to the account. It showed this transaction NEVER HAPPENED. Immediately, I again requested $2000+ from my personal checking account to pay off my credit card bill. Within a few hours the pending payment was deleted and missing. The same balance was showing. I called Capital One. They said I would have to get on a three way call with my bank and Capital One to confirm both payments were wired out of my bank to Capital One.

Last year, I used the OptOut services provided by using 1-888-567-8688 or visiting OptOutPrescreen.com, choosing to opt out for a period of five years. Capitol One IGNORES that in my case. In fact, they don't even have an Opt out number on any of their offers. It took me two hours on the phone with their customer service to find a supervisor (only THEY can do opt out) to help stop the solicitations. Then I was told that other offers within the Capitol One system had to be dealt with separately. When I called those departments individually, I was routed back to the main 800 number.

I got my latest bill and saw I was charged a $39 over the limit fee, although I was not over the limit at the closing of the billing period because of payments I made. First I could not get through to an individual. I've been round and round the automated options. Finally I pressed the rewards button and got someone in that section--a real person. But she couldn't help me and transferred me to an account rep. Well, she was in the good old Philippines of USA, and explained to me that the options on the automated list would answer my question. Well I told her it did not and complained how hard it was to reach a person. I explained about why I didn't feel the over the limit fee was proper because I did not exceed the limit by the end of the month. She said she would transfer me to another person who could help. They said they would take off the option to exceed the limit and the card would just be declined if the charge would place me over the limit.

I was denied electronic payment. All of the banking information showed on the screen. However, the error message indicated that my bank would not accept an electronic payment. I phoned my bank, learned that this was not the case. It took 45 minutes to learn that I needed to re-enter banking information and to add a 0 before the checking account number in order to resolve the problem. I was told that some accounts have this problem. Nothing online provided me with information. Not until I asked to speak with a supervisor, did I receive assistance.

I have not used my credit card for months, and I received an over limit fee. Calling India across the ocean, they removed the fee but could offer no explanation as to why it was added. IT IS MY HOPE AND PRAYER THAT CAPITOL ONE IS SOON IN CLASS ACTION LITIGATION FOR THEIR UNSCRUPULOUS ACTS AND STEALING FROM AMERICANS EVERYDAY.

I need a phone number to talk to someone at Capital One. It has been a HUGE hassle to end my account. I have jumped through enough hoops, and now I understand why they can't be reached by phone. NO one there knows what they are doing. Such a simple request. I want them to send me a phone number where I can TALK to someone. PLEASE.

I opened an account with them recently on the basis of a mailed offer which stated a 0% APR and no annual fee. Since having signed up with them, I've had a couple of strange and potentially economically damaging experiences with them. First of all, they were unable to verify that I have no annual fee on my account. The mailer that I got from them had a second disclosure of credit terms very different from the one on the back of my letter. Essentially they had different disclosure forms in the same envelope. When I activated my card, I responded negatively to any requests to join a payment protection plan or insurance. Just to be sure, at the end of my call I asked her to confirm that I am NOT signed up for any of these services. In a few days, my purchases started showing up in my account, and I see they've signed me up for a Payment Protection Plan, the very one I refused.

I opened a Capital One credit account back in 1999. I enrolled in the credit protection plan at the time I opened the account. I paid that monthly along with my balance--and on time. I became pregnant and had to take maternity leave in November, 2000. Credit protection started taking over the payments. In October 2001 I had my second open heart surgery and became permanently disabled at the age of 27. Due to the clause of the credit protection, that due to permanently disability the remaining balance will be wiped out, I faxed papers of my disability. For 5 years I have been trying to get the balance wiped out by Capital One and off my credit report. It seems have spoken and written to every Capital One person in this country, and I'm sure other countries, with no progress. It is now February, 2008, and I am being sued by Capital One for the remaining balance. I have to appear in court in May on this matter. I have just one question. WHAT IS THE CREDIT PROTECTION FOR?

They have a high interest rate, no ability to work with consumer. I had insurance for sickness and they would not honor, and now have a judgment against me as a single mother of three. I am unemployed due to illness. I tried paying for 2 years through Freedom Finance and made no record of payments.

I checked my credit report; it said I have 2 accounts with them, and they were both signed off. I did mess up a few years back, but both amounts are way off--one of them was dated 2/2008.

They use a deceptive business practice: charge a Balance Transfer Fee when nothing I read said a word about such a thing.

I am a college grad and already have three credit cards I'm paying off. I have been a victim of fraudulent charges in the past with another credit card company. That incident was handled within 20 minutes THAT DAY! I may have to go to the police with this one and bring up charges on Capital One, considering all the complaints listed here. This is ridiculous, and I'm too young to be having my credit all messed up already.

Just got a new Capital One card, with a $10,000 limit, last week. Used the card (3 times in total) to shop for groceries, play golf and buy postal stamps. Total of my charges were $75.14. My card was restricted/denied when I went to use it at the golf course; needless to say, I was embarrassed. Was on the phone on hold for more than 1 hour and 45 minutes to find out why Capital One did this. I finally hung up.

My first contact with Capital One was 8-14-07 with Doug. I was charged the annual fee, even though I had canceled my membership with the company. I was assured by Doug that the fee would be removed and all charges would be removed and my account closed. The account was not closed, and I was being charged late charges. I then talked with Marie on 10-17-07. I was assured that there was a mistake, and my account would be closed, all charges removed, all late penalties removed. This did not happen. I am now receiving notices for past due amounts, charges and collections. I have been told by phone over and over that the account will be closed, and it is their mistake. On 1-31-08 I wrote them a certified letter stating that I want in writing that my account is closed and all charges removed. I just got the letter and they gave me the phone number to call.

I definitely wish I had read up on all of the complaints on Capital One before opening a credit card account with them. I opened a small business credit card a little over a year ago. Through charging materials for jobs I went over the credit limit a bunch of times, but still made my payments on time every month, always paying more than the minimum. They slammed me with a $39 fee every month for that. I figured, oh well, cost of doing business. I called to see if my credit line could be increased, but because I had gone over they said NO!

In December 2007 I got hit by a late fee of $15 and one call got it deleted and I was told my account was now paid in full and it was Zeroed out. I requested to close the account and thought all was good. In January 2008, they assessed a second $15 late fee to a balance of .50 cents. (Yes, you're reading it correctly, one half dollar!). I actually caught it online the day the late fee was charged, I called in, they apologized and said they would Zero the account out.

My husband and I recently traveled to Hong Kong and I called Capital One to let them know we would be out of the country and would be using the card. I talked to someone in the credit card dept. and they said it was taken care of and they then transferred me to the Fraud Dept. The Fraud Dept said it had NOT been put into the system but they would do it then. I asked three times before I hung up if everything was ok and I would be able to charge out of the country. They assured me everything was ok.

I have been harassed and awaken early in the A.M. on days off from work and at night by Capital One for the past month. I have repeatedly informed them that I do not have an account with them and would appreciate if they would stop calling my home. On Thursday evening February 7, 2008 I spoke with a representative from this company who assured me that this information would be placed in the system and may take up to 48 hours to complete. Since this information was given to me I have received just today calls on my Caller ID system from telephone number at the following times 8:36 AM, 9:19 AM, 11:01 AM, 12:20 PM, 1:16 PM, 3:07 PM, 4:03 PM and 6:34 PM, not considering the call previously received as many as 20 in one day. I personally consider these calls to be annoying, unnecessary and unprofessional, especially since they have the wrong number. It would please me to have someone from your agency to address this and for these calls to cease. They must know that I don't want an account with an organization that uses such tactics. Thanking you in advance.

I have three gripes with Capital One. First, my Capital One credit card interest rate was raised last year for no good reason. It had been 4.99% for years, until May 2007, when they increased the rate 100%, to 9.98%. I've never had a late payment with ANY creditor, I always pay anywhere from 5-20x the minimum payment on my Capital One card, and my credit score has always been excellent. 772 last time I checked. When I inquired as to why this occurred, I was told it was a business decision. Fine. Just like they made a business decision to hurt a good customer, I'm going to make a business decision to cancel this card, and only use my U.S. Bank credit card, starting March 1. With this interest rate action, Capital One essentially told me they don't want me as a customer anymore, and I am happy to oblige.

I received a check for $14,000.00 from Capitol One and it appeared on my statement. I have never asked for the money and it appears that they will also charge a finance fee for this amount. I have called twice to have it removed and I am told it will take about 48 hours to do so. My concern is that this is going on my Credit Report. Why would any company send such a huge amount without authorization?? I think that there is something very wrong with this company or they are hoping that someone will cash the check and then have to pay the interest rate. The check came without a letter, or something to sign. Very bad business.

They ran my credit 27 times in 13 months. I have never had any accounts with them of any kind. Now I WILL NEVER!

I have had problems with both the Capital One card and Capital One Auto Finance. I opened a card account with them 10 years ago with a balance of $200. It was after a divorce and I was young so I was trying to build my credit. Here it is 10 years later, 2 mortgages, a dozen auto loans, and other credit cards with thousand of dollars in limits and Capital One still has me at a $200 credit limit. Furthermore, they offered a very low interest loan to my wife at the dealership when she bought her car. 3 months later a drunk driver ran a light and hit her at 40mph which totaled the car. We had GAP and Capital One told me that they would contact us if there was a balance but that it looked like GAP covered the difference completely. 4 months later I get a collection letter stating that I had a balance due and that they were reporting me to the credit bureau. It took forever and many many phone calls to fix that problem. I will never use Capital One again.

My Visa card was canceled, I am told because of the theft of some computer hard drive that forced them to cancel many accounts, mine included. The issue I have is that I was never notified, in writing or by phone, of this action. Very embarrassing having your credit card declined when you pay your bill in full each month and have been a long term customer.

Potential mail fraud.

I gave my employee authorization to pay for merchandise for our store by credit card. She went ballistic and ran up personal (and gambling) expenses over $24,000. She has, subsequently, been criminally charged, convicted and sentenced. Capitol One has been harassing me to pay up. I am refusing because: (a) she called Capitol One and changed the billing address (to her residence) so that I would not see the monthly billing statements and (b) called Capitol One and increased the credit limit. Capitol One did not notify me at any time that the balance had exceeded the original credit limit nor did they call me to verify the credit increase or address change. Capitol One's credit collection agency is calling me several times a day - total harassment. Let alone the damage done to my credit report.

In 2004 I got a capital one credit card. I paid off my balance, didn't use the card for over a year but still paid credit inform and protection fee. I got tired of sending checks for $5.99 a month so called and canceled card in June 2007. I kept getting calls from capt one so in october 2007 I was informed I had not called to cancel credit inform. I called to canceled credit inform, and was told the charges would be credited back. I then called and canceled the protection plan also with a 0 balance. I'm still getting calls 4-5 times a week, even 2-3 times on sundays about a card with a zero balance, this is killing my credit, please is there anything I can do, or anybody that can help?

I have canceled this card on 3 different occasions, I even receive a check for $9.00 from 2nd cancellation. After speaking to Tom from india for the 3rd cancellation, I was told I would be given a credit of the $55.87 something due to the fact that I am having trouble canceling this account. I receive a call today stating that yes the card is canceled but I have not canceled the account protection plan and that my account is past due. I called the 888# and they are closed. I am so fed up with this company I don't care if I never need a card again and they are the last place to get one I will go naked and starve before I will apply for a Capital One credit card again. Not one person except the last stated anything about canceling the protection plan, I stated why would I want to continue paying for something I don't have and she stated I understand but I need to call this number and cancel this.

I spoke with a representative last year and requested that the payment protection be removed from my account. At that time it was removed but after several months it started to appear on my account again. I would like for Capital One to provide a document of some sort in which I agreed to this service. The payment protection has been added to my account and I have been charged without prior authorization. I do not want payment protection on my account. I am requesting that it be removed and credit my account for all of the charges. Secondly, I have been billed for overlimit fees because of the unauthorized bill protection payment that continues to post on my account each month. I am also requesting all over limit fees that was billed that was caused by the payment protection fees. In addition, I would like a explanation as to why my bill cycle date changes each month ranging from due dates of 12 of the month to 15th of the month. The flexible due dates has caused a negative impact on my credit rating and please advise if this is a fair business practice.

I had a Capitol One credit card offered to me, via mail. They offered me a fixed rate of 4.9%. How could you refuse that? I accepted and received the card.

I've been having problems accessing my account online for three months. Every month I call in and they say they are working on it.

We have had a Cap One Card for approx 10 years. The balance has been paid off every month regularly for at least the last four years. Our rate was 12.9%. This year, while often having a monthly balance of $9000, we would pay it in full that month. The payments are due the 21st. We found continuing difficulty trying to pay online, so we send the payment by mail.

I have not been able to access my online account in a month. Inevitably, I am forced to spend an hour trying to contact customer service and negotiate the telephone payment fee away since I can't pay online.

I was charged a late fee when I made a payment after 2pm on the date payment was due.

On January 8, 2008 I got a new credit card from Capital One, taking advantage of advertised offer of 5.99% for life. I promptly transferred $7,500 worth of other debt to this card and set up payment via the web. I paid $250 on January 22nd, in advance of the first billing (which I have never received). I have attempted to make a second payment (still having received no statements) but the account is locked on line and I am unable to make a payment.

I had a $500.00 credit limit and didn't like the interest rate (21%), so I paid them off and wanted to close it out. They then lowered my interest rate, and they also gave me a $5000.00 credit line and 14% rate-- too high yet. I found that out later after it got $2000.00 higher, so I did a small balance transfer and knew I wasn't over the limit because my statements would be late, etc.

I have not used the card for years, and 3 years later a collection agency called me and said I have a balance of $1600.00--all coming from LATE FEES. I ignore it, and it dents my credit rating. I opened again a Capital One account 4 years ago; in Jun. 2007 I paid it off and caledl to close the account. On Oct. '07 the collection dept. called and said I have balanced, and I paid it off ($80.00)--from LATE FEES. Today I got the same call again saying I have balance of $69.00. I do not understand how the closed accounts are still able to be charged. They always hang up, especially if the call is from our friend in India.

Capital One mailed a credit card offer with a limit of $20,000 to my 2+ year old. The most disturbing thing is that is had her nickname, not formal name--meaning that someone very close to us (3 possible entities by which we signed our child up for activities) compromised the confidentiality of our information. I have been in contact with Capital One since October 10th to identify the lead source to no avail.

I have not received my bill from Capital One and am unable to get a hold of anyone at the company to find out why I did not receive a bill. I cut up my card and therefore cannot use the on-line services as I need the number on the back of the card.

I recently applied for a mortgage and was denied. As it turns out, someone has obtained a Capital One Credit Card in my name and has incurred $10,000 worth of charges on it.

Capital One sent me a letter in Dec. '07 offering to turn my 98,438 miles into $475 cash redemption. On December 19, 2007 I called the number they had given (1 800 228-3001) and requested cash. Their agent said cash would come in 10 days and gave me a confirmation #001512381. On January 28, 2008 I placed a follow-up call, and after talking to either five or six agents, two of whom were supervisors, was told I could not get cash as the amount was issued as a credit and could not be changed.

I had an account w/ Capital One years ago. I was trying to build my credit back up. My husband began his own business and times were very hard; I almost lost my house. I called Capital One, and they offered a 1099-Misc. in lieu of paying. I could claim the goods I received with the card as income instead of paying the debt. That was 2 years ago. Yesterday, I tried to use my bank card at the grocery store and was declined. I put my check in the bank Thursday (the only check for two weeks), so I knew I had the money. I called my bank when I got home to discover that Capital One put a Restraining Lien on it. I called the attorney's office; they will release the lien if I tell my bank they can every cent I have left. I just mailed out checks for my utilities and mortgage. I offered what I have left less $100 to get a bit of food and gas to get to work, but they refuse. I am just so upset. I have not heard from Capital One in 2 years! They even gave me loan in May, 2007. (That's paid off.)

I have had a business CC with Capitat One for about the last 4 or 5 yrs. I have since stopped using the card. Without detailed observance of my balances and payments applied, it occurred to me to start looking into the reason why the balance didn't seem to reflect the payments I had been making. I am trying to see my balance online, so that I can make a final payment to completely pay off the account. (The card itself has been cut up and trashed for about 5 mos.) I have not used it at all; the last payment made was an electronic transfer of 1/18/08. My bank has already declared it was electronically applied to my account number at Cap One, yet it has not cleared my bank account. Certainly by now--Jan. 27th, 2008--it should have cleared my checking account within 3 days of being sent.

I paid off my account and closed it, but they keep sending me bills and now a collection notice. This is not fair to consumers like me who do what is asked of them. I'm sure I'm not the only person they do this to. Most people probably just keep paying when they don't owe anymore.

Economic damage of $210.43 and way too much time on phone with these fraud artists.

After being with Capital One for approx. 3 years, Capital One rejected my online payment, even though it was confirmed. They never sent me anything to the contrary and by the time it was all settled, they not only charged me excessive late fees, they reported my credit as 60 days late. All this over a payment minimum of $15 with a balance of less than $100.

I've had heard so many horror stories of Capital One not wanting to cancel accounts, there is no way I can pay this if they start adding ridiculous finance charges. I think this is the point. I don't want this account and I don't want to deal with these people. If the gave this to collections, how are they allowed to change the rules toward the end? They don't even have the right amount of what I owe compared to what the collections agency has. I was told by a woman named Rose that she would contact their liaison at said agency and confirm but I don't believe them and I don't trust them. At least the agency SEEMS to be on my side and have each and every payment logged. Do I have any rights at all?

I need for Capital One to quit sending my 12-year old daughter offers for credit cards. She is not old enough to get a credit card. I don't know who to call, because they don't give you a number to call unless you are trying to get a credit card from them.

For 4 months I have tried in vain to get my account issues resolved to no avail. I am at my wits end and would like to pursue legal action. This particular account started off as a secured credit card for $1,500. Over the course of years, with a great payment record, Capital One increased my credit limit to $2,300 without my consent. No biggie. Fast forward to years later, and I was late with a payment; on the last day of my account being forwarded to their collections dept, I paid the balance in full.

I need a phone # for a representative who speaks fluent English and understands it. I am tired of trying to communicate with people in their employ who cannot communicate adequately. It seems the entire world has this complaint.

By the way, when I've paid-by-phone and asked for a confirmation number, I was told that they could not give me one--only their Agent number. Even my pest control company isn't that unprofessional!

I closed my account in March of 2007. Today I received a charge on the closed account for $19.18 for an Annual Fee and Insurance coverage. THE ACCOUNT WAS CLOSED IN MARCH OF 2007! Now they say it wasn't closed, and I owe the fees. I will never pay the fees! They promise to remove the fees and close the account. I've heard that before.

Capital One continues to assess an over-limit fee even though I pay more than the required payment each month. Their annual fee pushed me over the limit ($500.00) even though I called and was given a total available credit well within the limit for an emergency auto repair in December. I have disputed the amount and received no reply from them. My online statement shows a balance of $458.03, yet the paper statement received today shows a balance of $531.28 with an additional over-limit fee from Dec. 28th of $39.00. Any help you might be able to render with this issue will be appreciated. Thank you.

This bank over the past year has been consistent with intentionally misleading and incorrect financial data on credit card statements. They repeatedly assess interest charges when none are due, requiring me to call and endure long wait times with several transfers before I get to someone who fixes the mistake. Each time, they promise to correct the glitch in their system, but after several months, incorrectly assessed interest charges ensue.

I have had a Cap One credit card for about 8 years and have had a limit of $7000.00 most of that time. I have paid this account off many times. I had them lower my limit, and then I went over my limit without knowing it, no flags --and now what a nightmare. They would not even try to work it out with me. They hit me with 27% interest, $100.00 plus in over charges, and what was $300.00 over is now $400.00 plus all the charges they can find. I explained that I didn't know when I went over and asked if they just extend the money. NO way, when they can charge what they want.

I sent back the check for a $5000 dollar loan approval to whoever at Capital One "approved" the loan. The loan I applied for was to be financed for 24 months at 9.99% interest. I wanted the money to pay off another loan at a higher interest of 15.99%. Their credit services would only approve this Capital One personal loan at 14.99%. I'm sorry, but for 1% difference, it just isn't worth it, to accept this loan. I went on-line at www.capitaloneloans.com to email this information to them, and of course they do not supply such a courtesy. I called and talked to a Crystal, and she told me to just rip up the check. How business-like of them to give their operators such instructions?

In Jan. '07 I paid a $35 fee to have a payment added to the end of my note due to financial difficulty. In March I was notified that I was 2 payments behind, and late fees accrued. I was told it was too late to add a payment to the end because I must be caught up. The phone calls started to come in every 20 minutes on auto dialer and would continue non-stop until I wrote the company a letter asking for all communications to be done by mail. After this request, I tried to get a hold of customer service to try to get caught up on my van payments. At several different times I was transferred to the finance dept. and reached a voice mail--never to have my calls returned. I logged on to online banking and set up auto payments for both my van and my car, with both approved. Then 30 days later I received notification in the mail that I can settle my accounts with 65%. I again attempted to call.

I tried to call to find out why I haven't received my billing statement for my credit card, and all I got was some stupid recording over and over again. My bill was due yesterday, the 21st of January, and because Capitol One didn't send me a statement, I'll be late with my payment. Thank You very much!

I canceled a credit card from CO in late 2006. To my surprise I had a negative 30-days' late payment on my credit report from CO this Jan '08. I called and spent 50 min. on the phone, being transferred from person to person waiting for someone to cancel the account. Oh...he was also unable to send me a letter stating that the account was canceled. I called again 3 days later, and the account was still not closed. Ultimately, I find myself writing to the CEO; maybe he can help.

Several weeks ago I was unable to make purchases with my card with no notice. I've had a business account with Capital One for several years and have always either paid the entire balance, or made 4-5 times the minimum payment. Without warning, my card was rejected. When I called to inquire, I was told that the computer put a hold on my account, and that it was for my protection against fraud. I was also told that I should have received notification by phone, email, or letter. They do not have my email address, and no one called. If the notification was by letter, the hold on my card would have already been in effect without my knowing. To date, I've not received any notification by any of those methods. When I asked to have my account checked, there was no different activity on the cards, just the same vendors that I ordinarily used. Even after talking to a supervisor, I have not received an explanation that makes sense as to why my card was locked. The only answer was that the computer did it for my protection.

Six months ago Capital one gave me a credit increase of $1500.00, putting my credit limit at $2000.00. I called my card today to get my balance details and found out to my surprise that I had no available credit. I had only utilized $1905.39, so I should have had a credit of $94.61. Then, I got another surprise: my next monthly payment due on 2/11/08 is 305.39. I immediately contacted Capital One and was told that there was an error with their system, and that I was not supposed to be increased to $2000.00 but instead to $1600.00--leaving me responsible for whatever amount went over the $1600.00 to be paid on my next bill.

I am so angry with Capitol One Visa. I have had a credit card for over 10 year with Capitol One and the interest rate has remained around 9.9%. I purchased an HD TV and had a balance of about $4,500. Last week I paid the account in full. Recently, I made about $270 in purchases and when my bill came, there was a $43.26 finance charge. They had raised my interest rate to 19.9%. I am done with Capital One and will cut up my card today! First thing in the morning I will visit my local credit union and obtain a credit card with them.

I obtained my Capitol One credit card in 2006. I followed my usual practice of paying the full balance on my monthly statement. No problems, no fees. I arranged to have my statements handled electronically rather than by postal mail, which was fine until July 2007, when Capitol One mysteriously chose to revert me to paper statements. Nevertheless, I paid the full amount I owed, and incurred no finance or interest charges.

I was over the upper limit of my credit card by $64. I made the minimun payment on my bill. I needed to make this payment before the 15th of the month. It was cashed/logged in on the 2nd of the month. On the 10th I got a $29 overdraft, overlimit fee. When the interest was added it put me over the $500 credit limit.

For over 5 years, I've paid the Capital One payment protection for emergency cases such as unemployment. July of 2007, I became unemployed and immediately faxed and mailed my information into the payment protection division.

I can't stand Capital One. I've had a credit card with them for seven years, and up until recently, the interest rate was 9.9%. Out of the blue, they bumped it up to 15.40%, and I have a perfect credit rating with no missed or late payments with them or anyone else. The first call to them was answered by someone with very broken English. After getting frustrated, I called again and spoke to a woman who told me that because I rarely use the card to make purchases, they raised my interest rate to compensate for that. When I asked if they were going to lower the rate since I complained...she said no, there was nothing Capital One could do for me, just to use my card more, and that way I could earn more rewards.

I tried to pay off one month's late fees and get a runaround, so that I am forced to continue paying interest every month.

I thought last month I settled my complaint with Capital One. I took out a 0% 18-month loan of $4972.00. I paid a transaction fee of $99.44. Last month (Dec), I was told if I paid off my credit card purchases, I would not be charged any interest. I was charged $73.89 on an outstanding balance of $121.29. I was able to resolve the problem, and they removed the finance charge. This month I was hit with a finance charge of $76.58. I only made 1 purchase of $73.29. The rest of the balance should be at 0%.

An electronic debit was made from my credit union bank account to Capital One on December 30, 2007. It should have posted that date, as it was before the cut-off time. Now it's January 15th and still hasn't posted to Capital One. Now I've incurred a $39 late fee and another $39 over-credit limit fee. Talking to the customer service does NO good. It's obvious from all these similar complaints--that Capital One is to be hated and avoided at all costs.

My Capital One No Hassle Rewards credit card is due to expire at the end of the month, but as of today I still had not received a replacement card. Thinking it had gotten lost in the mail, I called to ask for a replacement card. The representative I spoke with told me that Capital One's policy is not to send a replacement card unless the card holder calls to request replacement. She explained that a new card would take four business days to process and then an additional five to seven business days to receive. If I needed my card sooner than that, I could pay $16.00 and receive my card in three business days.

I opened a Capital One account in December and was told numerous times there would be no balance transfer fees. Guess what - the bill came and almost $500 in fees. I called and got very rude people, including the supervisor. The supervisor had no power to rectify the situation. They did nothing.

When you ask Capital One how much available credit you have, they will mislead you. For example, my payment due date is the 4th of each month. I make my payment before the due date. If on the 7th, I ask them what is my available credit. They will tell me a certain amount such as $100.00. So I am under the impression that I can charge no more than $100.00. However, they fail to tell me that financial charges will be deducted on the 10th. They deduct $25.00, as an example, leaving me with only $75.00 true available credit. But they don't tell me this ahead of time. So I go over my limit and am charged $39.00 for going over.

I sent a payment of $225.00 per check on October 12, 2007. This check was never submitted to my banking institution for payment by Capital One. Capital One stated that the check was returned for insufficient funding on October 23, 2007, but I have overdraft protection on my account. I was charged a return check fee of $29.00 on December 4, 2007, a past due fee of $35.00 on December 7, 2007 and a $29.00 over-limit fee as well. However, November's statement did not reflect this. I submitted a letter requesting a copy of the check to see the annotation of the bank that this check was returned. Capital One sent me a letter expressing that the recent check for $1229053758 was returned. I have no such check; the check was for $225.00 and was number 8094.

Capital One issued me a $500 credit card. I used it a couple of times. I went to use it for a $7.50 purchase and got denied. Called up and found out I do not have a balance. Talked to some girl with broken English who started asking me all these questions of places and streets. She said to hold; 20 minutes later I finaly hung up. Why would they send a card, you use it, and now they take it away?

Capital One seems totally ruthless. Look at their court filings in Prince George County, MD. They prey on the poor and then go after them, while stuffing mail boxes with more credit offers.

I am in the process of filing bankruptcy, and have notified this company twice in writing, the second time via certified mail. They had been calling me up to six times a day. The calls are still coming. They just changed phone numbers from which to harass me, they used 800-955-6600, today they began using 615-349-9436, after they received my second letter. The law clearly states that when a creditor knows a client is represented by an attorney in connection with a debt, and I gave the name and number of the attorney in both my letters, the creditor is to contact the lawyer only, yet I am still being harassed by them. Second, it's a violation of the law to continually cause a phone to ring with the intent of harassing the called party.