Capital One Reviews

According to the customer service person I talked to today, she plans to tell every single person there is nothing she can do. They got their letter, and now it's too late, and that people are lying when they say they didn't get it. What an interesting way of doing business, forcing people to not do business with you. Are they vetting out people whole carry balances, using that to get as much money as possible from them? Why should I pay for their business issues especially with a credit score in the high 700's, whatever that means anymore. My credit score was threatened. I will need to leave this credit card company as soon as possible, to not cause going in the red. They've backed me into a corner. I will need to cancel, because now, I do believe the stories, that if you don't, they will keep trying to steal from you.

I called them and the customer service people were like robots. They insisted I had received a notice from them 10 months ago and that I had until July of 2009 to respond to prevent an interest increase. I save all my correspondence from credit card companies I deal with because of situations such as this. There was never any such correspondence. I talked to two different people, both of whom said that since I didn't call by July 2009, the interest increase that just showed up on my credit card could not be reversed.

This company is engaging in what I believe to be illegal practices, certainly immoral ones. I would like to see them investigated. I would be happy to provide any information to an attorney investigating this. I encourage all consumers who have accounts with this bank to close them, and all consumers receiving solicitations from Capital One to discard them without responding.

When I fell into hardship and became unemployed, Capital One did not honor their end of the deal. They kept sending me all sorts of paperwork to fill out and requests for different items like letters from employers, etc. They promised that once I had the papers in tact, the account would be retro-actively credited back to the very first day that I went unemployed. (I also made various payments in that time frame even though I could not afford it to try to stop the charges they kept adding on to my bill. They pushed me over the limit with their charges and started adding both a $29 over the limit fee AND a $29 late charge). All the while I had called them constantly trying to rectify the situation. I filled out that paperwork three times because they kept pretending they did not have it.

I was unemployed and they promised me protection; protection that never came. So they stole my $1800.00 of security funds money to use however they saw fit, and completely ruined my credit. No one had a suit going back then and I was so upset and frustrated that I gave up. Things went downhill. Periodically I tried again to come to an agreement with them but to no avail. Now, they just started garnishing my wages sometime in late fall 2009. Can anyone help me? This is wrong and they shouldn't get away with their criminal acts and violations. I can't get a car loan or another credit card or anything.

My credit got destroyed, my wages are being garnished (probably illegally). I have endured years of stress and upsetment over this. It has impacted my ability to move forward with a new credit card, to purchase a decent car, and so on. I did everything they asked me to. I paid and paid and "jumped though hoops" filling out their papers and trying to get them to fulfill their end of the arrangement but they reneged. Their complete and total failure to be an honorable reputable company has resulted in me not even being able to have a checking or savings account without them trying to freeze it and steal more of my money the they already stole. I noticed when I searched this year that there are several class action suits going on involving thousands of people who experienced a similar or exact interaction with these thieves. I need to have this repaired. Any help would be so apreciated. Thank you for your time.

They said they sent a letter in the mail about in February 2009, and I had been living in this place for over 2 years and never received such a letter. I called customer service and waited about 45 minutes, and this supposed manager was really rude and did not care about anything. There is not any proof of the letter they sent.

These people want to make money no matter what! This is an abuse. Capital One is doing fraud. I just had a baby girl who was born a couple of weeks ago. With this increase, we are going to suffer, since I've made a monthly budget. I cannot afford the payments for this card with this new interest rate.

They negligently changed my address and phone number contact info. Also, they let the charges continue on an account that had been closed for 5 years without ever verifying the changes. I did get copies of all activity and checks written on this account, and the signature on the checks is not my wife's.I sent them a certified letter stating this is fraudulent but have yet to get any response from them.Their customer service reps have been rude and nasty with me and told me that I am basically a liar. All they want is for me to pay for charges that were fraudulently made. They do not care about their customers; all they want is money.

And that I had had until April 2009 to opt out of changes that were to take effect February 2010! I never ever received this alleged mailing and told him so. He did not care, just said it was too late to opt out. This is absolutely ridiculous and I doubt it's even legal! Are we really to believe that a credit card company will send out a change in terms one year in advance? My rate was not a promotional rate. It was tied to Libor and was 9.9 for a long time before going down to 4.99. I cannot understand how this can be allowed. Does anyone know the regulations regarding these changes? Or who to complain to about what I believe is a gross violation of my rights? thanks

On February 9, 2010, I received my January statement. The interest was 22.9%. Checking back through my statements, I found that in September 2009, I was charged $59.00 for a membership fee, which I did not authorize. I called the number on the statement to get the problem straightened out. Each time I called (3 in all), I was connect to someone I could not understand. It was as if I was talking to a double talking Hindu lawyer. As near as I can tell, they told me my account was on suspension to close and was subject to rate increase and I could use my card anytime I wanted to. This was not what was in the pamphlet they sent me and what I agreed to. What can be done to get this matter straightened out?

I, as millions of Americans, have lost faith in the American banking system as it has proven over and over again to be taking advantage of the American people. They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh, by the way, I have not defaulted on the forbearance plan.

They have not helped me solve my situation at all in any way. On the other hand, they suggested I am better off losing my home, maybe so they can re-sell it and get more profit. And finally they told me that a future application for a loan modification would be turned down. Oh by the way, I have not defaulted on the forbearance plan.

This doesn't seem fair. It wasn't like I am waiting and let this go months with out calling. I called the day I saw it on my account online. I didn't even receive my paper statement yet. Just because of the economic environment, they have the right to raise rates for no reason? Especially on good customers, see as I stated above they gave me year with my old rate. I tried to continue to talk up the chain, but I finally was told if I needed to escalate my complaint any further, I needed to send a letter, and if I wanted proof if it was received, I should send it certified mail.

I think that the credit cards should have to show proof of delivery in notifications like this or give the customer one month to call in to opt-out. For the entire year not other letter, follow-up or warning was mailed or even stated on my statement. This whole thing seems deceitful. Luckily, unlike some of the other posts, every person I spoke to was pleasant; unfortunately they just couldn't do anything. Can we file a class action lawsuit? We have to be able to do something.

Last year, finances were bad and I had many advances. I am now barred and wish not to apply for more advances. I explained this to Noah and he rudely said it was he who went out of his way to make the arrangements. I explained that Capital One would only have to wait 7 days for payment but he refused to listen. I calmly explained that I want to pay this balance in full, I want to bring my account in good standing and I want to make payment arrangements but he ignored my plea and repeated "Get a payday advance or borrow funds".

I repeated that it was impossible for me. I asked him to work with me. He rudely refused. He transferred me to his supervisor who stated she had been listening to our conversation and that I had not made a good enough effort. She was extremely negative and abusive in her tone with me. I did not appreciate her attitude. I repeated to her that I wanted to pay the full amount but had to make payment arrangements. She refused to listen. "Get an advance and if you're rejected, fax me a letter". I stated that I could not get an advance. She not only interrupted me when I spoke but talked over me.

It is saddening and disheartening that the representatives have such a bad attitude. I really thought I would keep this account open after bringing it up to date (unlike my other Capital One account which I closed). I have now changed my mind and I will close this asap. Funds will not be available and will set me back with charges but the representatives do not care about that. They don't care about the impression they give clients of the company. I am very disappointed. Capital One did not bother to respond with an actual answer.

They sent me a generic mailing along with a collections warning. "Thanks for contacting us about your Capital One account. Due to the status of your account, we are unable to fulfill your request. Please give us a call at 1-800- so that we can help you with your request. Our Customer Service Representatives are available from 8 am to 11 pm Eastern Time, Monday through Friday, and from 8 am to 8 pm Eastern Time on Saturday and Sunday. Sincerely, Capital One Services, LLC Notice: Please read the following for improtant information. This communication is from a debt collector. "

When I call, I am told that they cannot do it. Three weeks ago, I was told that if I paid my monthly payment plus an additional $200 then give it 3-5 days to post and then call back, then they would decrease the rate. Today, I called and spoke with someone named Kelly who told me that there was absolutely nothing she could do because I closed my account. That it was frozen until September 9th of 2010 and then my interest rate will drop.

This is absolutely ridiculous. What kind of business is this? I see the "What's in your wallet?" commercial and want to scream that it is not their card! I will be finding a different card to transfer the balance to and never in a million years will I ever recommend this company to anyone I know, nor will I keep my mouth shut about their business dealings. They are thieves and scams. Note to anyone reading this, do not ever subject yourself to this company!

I called Capital One and gave my wife permission to discuss this letter since she pays the bills and was told by the girl who answered that our account had been closed and we wrote a bad check. After explaining things and what our bank had said, she insisted we had wrote a check on an account closed. My wife then asked for a supervisor Val (sounded like last name **). He transferred me from one department to another and kept going over the routing numbers several times; we gave our branch number of First Bank and had the manager Mila get on a three-way call and confirm that our account was never closed and she had no idea what they were talking about.

Finally after all of this and a couple hours of wasted time, Val finally said okay I have located your check on my screen and see that you wrote it on 1-13-10 in the amount of $15 and it shows that your account was closed. My wife then asked for a copy of the front and back of the check and asked it to be faxed to us. It came over the fax with Attn: Dawn ** Copy of check to Capital One returned - closed account - Capital One (FAST) all written by hand. No phone number or fax to call back on the cover sheet.

We took it over to the bank and showed it to them and it was meaningless; it only showed the date it was deposited ,1-14-10. Capital One acct#0514XXXXX. In the meantime, our bank sent a letter to this address on First Bank's letterhead stating that this was never returned or closed. Val had said he would call around Tuesday and follow up and he never called. Now, they want a cashier's check or money order for $15, $39 return check, $29 past due. Important info we brought up to Capital One, we have two other Capital One accounts that were paid after this check, within a week that cleared with the same checking account.They could not give us an answer as to how these checks cleared?! This is very stressful.

Then I sent them a copy of my car insurance and a copy of my car registration and my vote registration card and a note from the county that I live in so they said it was okay. Then 4 days later, they called me and said that they needed to get proof of residence still

My dad has memory and poor health and these people didn't even care, said I had to get a power of attorney and my dad sign well in his condition. He can't so, what do I do? I don't need them to send him court papers. I said to lower the balance to where it was before and I can make 25 payments but they wont budge what can I do or who can help me because they seem to not care at all.

I am willing to pay the $1,200 but do I have to pay the additional fees totaling to $1,700? I was working part-time until I became ill with conjunctive heart failure and now receiving monthly income. I did attempt to pay and contact Capital One via the internet and continuously forwarded to Alliance and as time escalated so does the balance on the account. Please advise.

The damages would be credit report score due to not being able to use payment protection, harassing collection calls even after writing and requesting I have correspondence sent to me. The letter I sent in Dec. 2008 included doctor statements that I could not work. In March 2009, one of their collectors told me I was not ill. I also have records of times that they would call after collection hours or before.

Today, I received my statement (in the mail) which I have always received online statements/messages/alerts with Capital One, with a new percentage rate of 17.9%. I called Capital One and informed them I opted out of this, closed my account and my original terms shall remain in effect until my balance is paid in full on or before 5 years from now, assuming I have no late payments, according to Credit Card Reform Act of 2009. The "account manager" informed me I only replied to the "Stage 3" letter so Capital One assumed I agreed to "Stages 1 and 2" letters so my rate therefore increased.

As I am talking to the very rude "account managers," Melanie and Oscar, they just keep repeating the information about the ridiculous letters and do not have any answers. Why, after 5 years of always getting online statements/messages/alerts, weren't these "stage letters" part of my online documents? Maybe so they can use the United States Post Office as a scapegoat for their deceitful actions.

Something has to be done about this. I called, opted out, so because I only called once to the 3rd Stage letter and not the 1st or 2nd (which I never received), I am still prone to the 8% rate increase? Why didn't they mention anything about this when I called on the "stage 3" letter? This is just sickening and gut wrenching that Capital One, to whom was handed a ton of bailout cash, can do this to their own consumers. Who do they think is going to pay back their bailout funds? Us (consumers) and we don't have a choice in this matter but they can continually rip us off and ruin our credit if we do not abide their terms/conditions.

Why do they get to bend and disobey the Credit Card Reform Act of 2009? Just wondering Capital One, did your employees get training on how to be so cold and heartless to their consumers? I am now going to have to pay 17.9% interest on a $7,700 credit card balance, which paying what I am paying now as a monthly payment and as a single mother of two is all I can afford only to be paying Capital One the interest on this account! All I want to do is get this account paid off and put behind me, but at this rate and these economic times in Michigan where no wage increase is expected in the near future, I am pretty much out of luck! Thanks, Capital One. Hope you enjoy your awesome vacations and unheard of bonuses! Hope you sleep better at night ripping off your consumers!

Then I had to fight to get the late fees removed! In October 2009, I closed 2 cards I had with them because of the new fees. It took 2 weeks of calls to get them both closed. Lo and behold, today, I get a bill on one of the accounts for membership and late fees! 2 hours of being on the phone later, they said both accounts are now finally closed. Time will only tell!

This is a terrible company and I have spoken to them several times about erroneous charges. Capital One only posts its yearly fee when the account is low as to push the account over-the-limit and reap the penalty fee. I am closing my account with Capital One and will pursue this issue until all consumers are safe from fraudulent activity like this. In these economic times, financial institutions are attacking its consumers with fraudulent behavior and fees. As a member of a consumer group, I will not be bullied by Capital One and look to pursue this matter till the end. I have been charged over $500 in penalties in the last 2 years and my credit rating has plummeted resulting in personal and professional damage.

The other credit accounts I closed in 2009, all froze the interest rate at the time I closed them. Why is Capital One allowed to raise rates on a closed account? It just doesn't seem fair to me. The rate is 21.44% which is very high on the cash balance, and my payments are applied to the purchases and very little is applied to the cash advance balance. So every month in spite of not using the card, the cash advance balance goes up. This cannot be legal or if it is legal this unfair practice should be stopped.

In January, I receive a notice in the mail that I am past due and owe close to $50 on the account I had not used since August. I called Capital One to have the problem resolved. Nope. I had to call Credit Inform to be credited back first. I waited 5 business days, and I called Capital One again. Okay, fine. They reversed the late fees but not the finance charge.

Now, I have to wait another few days and then call another department to have this cleared up. I never signed up in the first place. I am afraid this will lower my credit score, and I have wasted time and energy getting this righted. It is ridiculous that Capital One is the one who signed me up, yet I am on phone call number 4.

So I emailed corporate and they send me statements that I never received before September 2008, even 6 months late payment. I have been in the same address for over 10 years. I was told mail request was my only communication with Capital One. I was told they sold my account in 2006, it's not their problem. So I asked payment protection and paid $657.04. I will contact the collection on my credit file and settle in dispute! I was told I could call that they wouldn't call that money is all Capital One. So I called and was told that I still have to pay and this will stay on credit until I do.

I can't understand half the words the employees are saying because their accents are so thick. I tried calling customer service for assistance, and I received no help. I tried to get help online and they just kept referring back to the dispute department and investigative solutions. I am being fraudulently charged and I can not get any assistance from the company that is supposed to be protecting me.

They sent me an active card through the mail. This is not good practice.

They refused and said we cannot request an increase as it is performed by corporate during their periodic reviews. I then demanded a manager and explained to him I had been passed up for 20 periodic reviews and how could this happen. He referred me to customer service which can do nothing for the consumer but give you account info and take a payment. I then wrote Capital One 37 times about it in six months.

Not one reply. I maxed out the card and then demanded they grant me my due increase and reduction in my interest as I sure did not deserve any increase as I have never been late, over the limit etc. They would not budge. I then just let it go. If they come after me for it. Two more years file BK again just on them.

I am under constant doctors care. I am on a fixed income of $600.00 a month. I am not able to pay this amount that Capitol One keeps charging each month. I have not received a bill from them. This has caused Post Traumatic Stress Disorder, along with panic and heightened anxiety attacks. Not to mention high blood pressure from worrying. I do not have the finances to pay all the amount they are charging. I am a senior citizen and do not need this hanging over my head.

I have lost the benefit of the bargain. These are contracts of adhesion, which has threatened by ability to raise capital for my law practice and I have paid an enormous amount of money. Capital One has sketchy employees who do not properly credit accounts, document phone calls and actually sell private financial information to harass and abuse their position and power. These are organized criminals who work with financial institutions to divert money, not on the consumer level, but on the system level. Where is the FBI?

As far as the Corporate account, the same occurred when I submitted a change of address online, no bills arrived. Finally, after about two months, the post office delivered the bill and it was two months late. Since this account runs through an accounting department, I did not have any knowledge of this. However, when my accountant called them to change the address, a completely inaccurate address was submitted to the account.

Both of these accounts had to be closed because the liability of having a Capital One account is much too high due to their complete lack of efficiency and/or online services. If you are considering getting a Capital One account, I must warn you, it seems that they are looking to make a mess out of your credit. My credit score dropped and created much difficulty with other good credit accounts that I hold.

I contacted Capital One and explained the situation. I told them that I would pay the account off when I got my 2009 tax refund. Having dealt with them in the past, I also sent a registered letter explaining the situation which I have receipt to prove that Capital One received it. Capital One reps contacted my father-in-law in an assisted living center and questioned him about the account, my wife and my status. My father-in-law has nothing to do with my Capital One accounts. They also contacted my sister-in-law with the same questions and she too has nothing to do with my Capital One accounts. I am not trying to hide from their calls and do not understand these attempts to collect money from people not involved other than to harass and embarrass me in front of family members.

My father-in-law had a panic attack due to their contact. I have read the Fair Debt Collection Practices Act and I can prove that Capital One has intentionally broken several provisions within the act. If they have done this to me, this must be their accepted practices. What legal recourse do I have to stop them and/or sue them for illegal practices? How did Capital One get the phone numbers of family members who having nothing to do with my accounts? I was unable to refinance my mortgage. Capital One has harassed family members who have nothing to do with my accounts. Capital One has contacted me at work using fictitious names

They could not even show a good faith gesture as I had made the first two payments on time. Now they want three times the amount? They are insane if they think they will get that from me. I should have never opened that account after the numerous complaints about them. I'm seriously considering taking them to court. I am now in collections for an absurd amount. Should I need to purchase a new car (mine is almost 10 years old), it will be very difficult.

I was simply trying to pay off the balance due on the account and would like to be removed from membership dues and monthly membership fees. I was told that if I canceled my membership, the entire amount due would be demanded in full. After that, the last statement I received from them was approximately Nov or Dec 2008. I sent them emails, I sent them letters, I sent money to a payment center without a statement. They called me in April and demanded payment. I told them I would catch up the account, but I wanted a statement to show my payments and balances.

The woman from India or somewhere, after almost an hour, finally got it through her head what I was trying to do. She was asking for bank account info and such so that I could be set up automatically. I told her that that was not what we were doing, but one time payment only and monthly statements. I never received a statement.

I have yet to receive a statement but I am now in January 2010 getting calls from a collection agency wanting to set me up on automatic payments. I am very hesitant to make any arrangements with this company after reading all the reviews online.

Please help. This is very stressful to me and my family. My husband is a very sick man, and we are not able to pay off in full because of limited income. He is disabled and I work minimal income. I am supposed to contact them today to discuss again. I don't care about paying them something, but I feel like they have cheated me for years by adding fees and dues to this account. I can never pay it off because the amount changes with interest and penalties every month.

Therefore, payment for December was not given any credit. November receive two payments. I received a statement that no payment was received for December with late fee of $39 and a statement for double payment for Dec and Jan $179. I am appalled as all representatives stated how sorry they are, but can do nothing but waive the late fee. Supervisor Chris stated that they were regulated by the government to change billing cycles. Contrary to his statement, the other supervisor Frank stated that the billing cycles never change.

At the beginning of the year, my interest rate was 9.90% then in June went up to 17.90%. I was doubling my minimum payment at that time. I have paid January's payment of $100 on the 5th of Jan. which is more than minimum payment. But because of the change in billing cycle, I am required to pay an additional payment of $40 due on Jan 29th. If I do not pay this second Jan payment, I will be charged a late fee of $39. I feel very insecure with this company now. I have lost faith not knowing what scheme they will come up with next. What happened to business ethics?

The last response from Capital One in writing states I should call customer service to designate an overpayment to the principal, which clearly admits that overpayments are not being applied towards the principal. The FAQ's on their website also clearly state they are applying overpayments to the next payment due. I only read the FAQ's after I discovered the issue since my contract specifically states no prepayment penalties and payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal.

There is zero information on any payment page stating overpayments to principal must be designated to the principal, no information on how to designate overpayments to principal, and the contract I signed specifically states payments will be applied to interest accrued and then to anything else on the account, which in my case is strictly the principal. The contract, the correspondence, etc. have been scanned and can be e-mailed or faxed anytime. I am paying interest in advance, and the principal balance is not being reduced by extra payments.

I think that you need to investigate them. Instead of respecting my request to cancel my account in the past, they send "convenience checks" that anyone, including people who take mail from mail boxes, can use. No ID required. I tear them up, but Capital One is just trying to encourage charges, refusing to cancel my account and acting illegally and fraudulently. I checked their rules and regulations, which states that accounts can be closed by mail and by phone, both of which I've tried repeatedly. Please investigate them.

I received a bill from them this month with a notation that "my promotional rate" was going to expire soon. What promotional rate? I was assured at the time of the balance transfer, that the APR would remain the same. In addition, Capital One claims that they sent me a disclosure last February stating that they were going to increase my APR unless I closed the account, in which case, the APR would remain the same. When I called to transfer the balance, no mention of this was made. I never received notice for them.

I have spent several hours on the phone with them over the past week, going from one representative to another, each one telling me they can't do anything about it. It's not a case of "can't"; it's a case of "won't". The last person I spoke with claimed that he was sending an email requesting an appeal to the corporate office on my behalf and a senior account manager would be contacting me either that evening or the next at 8:30 pm to discuss this with me. No one called. I called them back yesterday, Friday 1/15/10, to find out why I did not get a return phone call. The rep I spoke to said there was no such thing as an appeal, that she was a senior account manager and that nobody from the corporate office would be contacting me.

I again stated that they have no right to increase my APR for the pure thrill of it and that they are going to ruin me financially. I told her that this will make my APR amount cost as much as my normal payment amount (I normally pay the minimum plus finance charge and send a little extra if I can) and that I cannot afford to support Capital One's desire to get rich quick. The rep claimed that due to the "financial difficulties" of the economy, they have suffered and had to make this "business decision".

I was completely disgusted with yet another phone call to get nowhere. I told her that they are making me choose between a roof over my head and food in my children's mouths or pay them and guess who the winner will be. She was rude and completely callous and did not care one bit. I think it is completely unbelievable that legal theft is acceptable when the American family is already suffering tremendously between record breaking unemployment rates, not to mention when gas was $4 a gallon and parents were having to choose between a tank of gas or food.

How can this be permissible? Congress is allowing changes to begin in February 2010 to supposedly "help" the credit card situation; yet in the meantime, the credit card companies are "allowed" to put their good paying customers into vulnerable situations in which their families and good credit suffer. Despite my insistence that I did not receive their disclosure, the rep at Capital One said, "It doesn't matter, we are raising your rate anyway." Please help! This is affecting millions of innocent, good paying consumers. Even after asking the representatives to look at my account history and see that I do not even use the card, still this is of no consequence to them and they don't care. Legal theft should not be legal! I am going to have my credit ruined due to legal theft from Capital One. I am a good customer with excellent credit.

Capital One should provide an instant confirmation number and email confirmation for all account activities. Every other company does it for things as simple as payment receipts. Waiting a week for a piece of mail is just silly in 2010. This makes me glad I've cancelled my account with a company that can't even be bothered to give a timely confirmation. They have horrible service right until the end. Stick with AmEx! Even their free card is amazing.

When I asked what Capital One does to recover the funds, I was told that they really did not pursue this. Since Capital One chooses not to pursue so did I. I was then contacted by the bank and told that since I didn't want to pursue with the local authorities, they would not return my funds. I returned to the bank and asked why I would not receive my funds when obviously this was a bank error to allow the check to pass in the first place. After dancing around the fact I had to go back to the police department and get a case number in order for the bank to return the funds. At no time did any representative at the bank admit to the fact that they dropped the ball. What terrible customer service and accountability. Now, "What's in my wallet?” Not Capital One. "No hassles," I don't think so. I waited 22 days for the money to be returned over the Christmas holiday when cash matters.

So in Nov and Dec, I finally used this card at my 8.33%. At the end of Dec, my daughter said I better call to verify as every credit card company was raising everyone. Behold to my surprise, the range of different people kept telling me my interest indeed is going up in Feb2010 to 17.1%. I never received one notice all year on this account. They kept saying the offer. I never accepted any offer since the one I paid off from 2007.

They are crooked, deceptive, fraudulent and whatever I can think of. I have been fighting with them for at least two weeks now because they keep telling me this offer was sent to me either in Feb or May of 2009. Funny, they didn't know which month. They are trying to tell me they sent this to me a year ago. They are deceitful and total crooks and greedy. I kept telling them they have never sent me a 45 day notice. They guy said the bill hasn't taken effect yet. Everyone else I talk to have received notice between 3 weeks and 45 days ahead and the excuse is they only have to notify you 45 days in advance. We all need to either stop paying all the credit card companies and let them eat it or file bankruptcy.

Anyone out there want to get a class action lawsuit going, I'm ready as I'm totally fed up with all these credit card companies and very stressed out. This last guy I talked to told me a different story that they sent me notices in Feb and May 2009. This was a new one. Also since my call, they have not put on my ATM which I got online as I haven't received it in the mail yet, that my promotional rate will expire soon, as of 11/25/09 , which a new one now. Also on the bill, they talked about the new credit card act of 2009 and have this on the statement. No notice of 45 days is being given here and Capital One doesn't think they have to give the 45 days notice because it's not Feb yet. But they are raising it in Feb. Help!

Obama has screwed all the consumers and gave free field to the credit card companies to raise the interest as high as they like as long as they give you 45 days notice and some are not giving you the notice. They are just raising the interest. Anybody out there with the same problem? I did see a few of you. Let's get a class action going as soon as possible.

"We know you're having financial difficulties right now and we want to help prevent your situation from getting more stressful. The first step is to contact us at 1-800-. You'll be connected to one of our customer assistance specialists who can help you avoid additional late fees. They'll work with you to set up payment options to get your account back into good standing. While you're on the line, you can activate this $50.00 gift card - no strings attached! Use it to buy gas, groceries or a gift for yourself, whatever you prefer. It's your money. Call to activate your gift card by June 11, 2009. Please keep the code below and call 1-800- to activate your gift card today. We are available Monday-Friday 7am-11pm, and Saturday & Sunday 8am-5pm."

Yes, I still have a copy of this letter. Yes, they were contacted the day the letter was received. Yes I have filed a complaint earlier 2009 on this matter with the FTC on harassment calls and with other agencies on this matter. I feel I was mislead on the $50.00 gift too of which I never got. All I got out of the matter was more stress and continuance of harassment calls. It even seemed to sound like it was calls from the same person I talked with the voice sounded; the same in constant calls coming in at different times of each day. Even at times that were at after 10pm my time. Or even on Sundays they would not seem to let up. Same person calling, same voice, even with a rude tone in their voice. I kept telling them to stop. I feel like I had even sent a letter to them on this matter to stop calling me. Hope you can help me resolve this.

I was told the bank is not at fault for my inability to access my account online with Internet Explorer version 8 or 9 (which have been out for a long time) nor that the telephone service they provide to access my account gives me the incorrect current balance. They did, however, said the reason an ATM can give the correct balance is because they are "in the system". Apparently, my bank account with them does not afford me the same privilege. They refuse to forgive overdraft charges ($35.00/per) or come to any type of arrangement to avoid these charges in the future. Most of the overdraft charges were for amounts under $35.00 which translates into 100%+ interest referred to as a "service charge" (usury). I make an automatic deposit on a weekly basis so it is quite obvious I am not a credit risk, yet I do not qualify for any credit.

Anyway, I put down my salary plus what I received in retirement benefits and was informed I will be getting the credit card with Capital One. So I charged small amounts for mainly gas for my car, and much needed food i.e. sandwiches. After 2007 through 2008, I just paid the minimum they asked for on each statement. In February 2008, they raised the credit from $500.00 up to $750.00, I still paid the minimum. In the halfway mark between 2008 and 2009, they started charging me late fees and over the limit fees.

So before I knew it, I was paying through my cell phone directly to Capital One on the net between, $100.00 a month up to $200.00 a month. I haven't made any purchases in over 8 months and each month they are still adding the late fees and over limit fees. My statement date is the 29th of each month and I've been paying through my Visa card at my bank where my Social security benefits are being directly deposited and sending in the payment by the 6th or the 10th of each. How can I make a complaint to the Attorney General's office, and how can I file a class action suit against Capital One?

It all started when one time, an inverted two numbers on my credit card and I corrected it immediately! They have locked me out for two days without asking my courtesy a question one time! What happens now is my credit record ruined forever?

As I pulled up my January statement online, in very small print it noted, “As previously disclosed, your promotional rate will expire soon. . .equal to 17.9%." I called immediately and was assured by the customer service rep that I was fine and that the increase did not apply to me. As my statement said differently, I asked to speak with a supervisor just to make sure. She had a different story and "found" a copy of the letter that was sent to me. It wasn't even the same letter I had received!

When I explained my confusion about the promotional rate, etc., she had no response. I asked to "opt out" as I couldn't afford to pay any additional interest and she said the deadline of July 28th had passed and my only option was to write to the complaint department. I sent two pages explaining my issues as well as enclosing a similar document from American Express as a sample of well written, concise communication that left no room for ambiguity. It also showed that AMEX allowed you to "opt out" at any time up to the rate change date, no deadlines.

The rejection form letter came back with no acknowledgment of any of the comments I made. I feel Capital One was purposely deceptive for numerous reasons. 1.) The flyer was sent out in the typical "junk mail" format with nothing printed on the statement until the month of the increase...SIX MONTHS AFTER the "opt out" deadline had passed. 2.) The flyer was purposely deceptive and confusing. Throwing in the "promotional rate" verbiage made no sense other than to confuse the situation. 3.) It was sent in early summer when a lot of people are on vacation. Would they even see the document before the "opt out" deadline? 4.) What would be the point of an "opt out" deadline other than leaving customers no option but to pay the increased interest? 5.) Their customer reps don't know what's going on. There is every chance that I could have called when I received the original letter and had someone tell me it didn't apply to me as they did last month.

Supposedly legislation in February will stop this from happening in the future, but credit card companies were aware of this and have already raised their rates! What good will legislation do now? Will it be retroactive? As far as I'm concerned, Capital One is by far the worst credit card company out there and I hope someone is able to convict them for their unfair and deceptive practices. While I have followed the rules and have honored the terms of my agreement with Capital One since the inception of our relationship, they have not. This increased interest will be a hardship on my family as more money will go to Capital One and less will be available for other bills we struggle to pay in this economy.

During the start of our experience, we were not receiving our statements, so I would go into the bank, and ask about my statements, and they would tell me that they mailed them. I don't know whats going on. This went on for months. We started getting denied for bill payments, purchases, etc. I tried to have the accounts closed, and this lady at Capital One Bank told me I would have to pay a fee of $5,000.00, for breaking a contract. Me and my wife have separated several times, because of the stress of this situation. I was alone with my 5 and 8 year old sons. By 3/16/2007, the accounts were purged, and a lady fired, because the bank president said she had messed up a lot of accounts. I told her that my account was messed up, and the president gave me the runaround for months. I've been to Capital One around 50 times in 2 years, and they still will not give me my statement, one of the Capital One Bank printed out the last 2 statements from both accounts, and they were well into the negatives. Other Capital One banks in the area would say they show no such accounts, and some would say they were purged from the system.

By now, I lost my wife, and have 2 children to care for. My truck note is 3 months behind, and was threatened multiple times with repossession, and my mother and dad had to help. My father has had 4 strokes in the last 4 months, while my mother has breast cancer. The past 2 years have been like torture. My 8 year son had to be pulled from a private school back then, because of Capital One bank errors (fraud), and being in the negative. My wife finally came back, and my wife and I,and my 2 young sons had to seek medical attention for severe depression and anxiety. I have been literally suffering from this for 2 years. My 2 sons did not have Santa Claus visit our house this year, because of Capital One. On 09/09/2009, I got off from work, and went to yet another Capital One bank to try to get my statements, and this little old lady sitting in the corner of the bank assisted me, and she got my statements for both accounts for that year. When I started looking at them, I almost passed because of what I saw.

On the joint account, it shows that a complete stranger opened up our accounts on 06/12/2006, when we actually opened it up on 02/23/2006. I also received actuarial deposits for when I made a deposit, and on some dates, there are 6-7 different deposit slips on the same account numbers, 1 minute apart, stating all different balances, and on other accounts, there are 3-4 deposit slips on the same day, 1 minute apart, with multiple balances. Upon looking more at both accounts, there are 6 different debit card numbers between both accounts.

I went to the bank president of yet another Capital One bank and showed him, and he told me he has never in his 28 year history in banking seen so much fraud. He told me this is too big for him to handle, and he was going to send it to the fraud unit at Capital One bank, Mr. Marco **. What a big joke! He calls me up 1 month later, and says he don't see anything wrong, and it's out of his hands, and he does not want to talk to me or see me. I have emailed well over 200 federal and state officials, for the past 2 months. I emailed the CEO of Capital One and everybody who works at Capital One, and not one person has called or emailed me back. I can not afford an attorney, but I'd like to sue Capital One bank for 1 billion dollars, for the pain and suffering this company has put me and my family through. I have all the paperwork. This is for real!

The consequences include separation from my wife, severe depression, psychiatrist visits, had my electricity turned off several times, back due rent, car note, and my credit ruined.

To top it off, before she called me that early in the morning she had called my 88 year old Mother-in-Law and brow beat her to get our numbers. Now, we have had 2 accounts with this company, both are paid off. I called and left 2 messages asking for a return call and wanting to file a complaint. After 2 days with no response I called again.

The first man transferred me before I could even get a complete sentence out. The second man was not much better, but once I told him to shut up and listen to me, he looked into it and she had called us in error. We don't owe them money. Now, couldn't she have said, I am so sorry to bother you, I have made a mistake. I told him I intended to complain and take whatever action I could, but that I would say that he was helpful once I got him to quit interrupting and listen to me. My mother in law was afraid there was some huge problem. They made her think it was urgent. She thought it was an emergency. Even had we owed them money, we deserve to be treated with respect.

I find that hard to believe because I have a card with Chase also and they dropped the fees, so I could bring my account in good standing which I did. Capitol One also charged me an annual fee and I cancelled my card but they wouldn't take the fee off. they call and harass me several times a week and I can hardly understand the people that call.

I asked to talk to a manager but they just put me on hold. I'm more than happy to pay this card off but its not possible because of the fees. I have a single income and cannot afford it at this time especially when they keep adding the fees and the bill keeps getting higher. I desperately need someone to help with this problem. This issue is ruining my credit and I have one income and am stressed every time I think of how much I owe them. I do have high blood pressure and it does not help that at all when they call. I cannot afford to pay what they are asking. It's very frustrating to know I'm trying to work towards good credit and they are ruining it. I missed one payment in five years and they won't help me, I just can't believe it.

How much money do I have to throw away before the government will help me? Do you not think this is ridiculous? Thank goodness I work as a lead agent for a national company and when I get an irate customer I am not allowed to hang up as our Indian rep did or the first American agent did. You see as a company, mine believes that the customer keeps the business open and although I do not give away the store, I certainly would have worked with a customer calling with my problem, especially seeing the obvious transpiring of the payments.

Because I refused to pay for something I do not have in my possession and I stopped Captial One is more than likely going to damage my credit. I did have good credit until this matter has come to a head. Can you help me.

They should not and do not have that right to cause that kind of harm on a human being ever, much less after they have been paid every single penny they claim owed to them. Do I have any rights here? Does a credit card company have that right to withhold a person's bank account when they have been paid completely every single penny?

If Capital One had told me beforehand that they were going to garnish my account, the whole thing could have been resolved before it had gotten to that point, but they waited until two days before Christmas. To wait until then, that act, alone, shows evil intent and cruelty towards me. Apparently, Capital One doesn't want money to be paid, they wanted to punish me because I have paid them the money and they are still inflicting punishment on me by not releasing my account back to me.

Anyway they called me 4 times this morning, New Year's Day, to tell me that I am over limit and they would be glad to take a $500.00 check over the phone. When I explained to them that I am only able to pay them what I agreed to pay them in November when I paid them $200.00, they asked about my tax refund. I explained to them that last year I owed the IRS and that I couldn't promise them anything. They said hold for just a minute and I was on hold for a very long time. I eventually hung up. Long story short, I will be glad to be done with Capital One and will make it my business to never do business with them. I liked what Claudine of Sycamore, IL said:

"I'm sure they charged a late fee then an over the limit fee when the LPC and finance charges put me over the limit. It is also interesting that the 100 plus court cases that day the majority of the credit card companies most of the case were from Capital One. I have had other credit card with the same limit and in the same situation; they never had a balance this high for added fees and also settled the account for amount of the original credit card limit. They also were able to contact me at my right mailing address and phone. It is very suspicious that at a time when credit card companies are about to be limited with legislation that they are aggressively pursuing collection with out prior contact. I find this to be abusive and only hurt those consumers that are financially struggling. I have paid back the original 500 many times over with the finance charges, but this amount is ridiculous."

It is ridiculous. I agree. I am still trying to pay a minimum amount that will keep me in their good graces until I can pay a larger amount and get done with this company. As a result of their fees for everything, my credit has been damaged. Sometimes when they decide I need to get under limit they call me incessantly, and the stress of trying to pay that bill every month is something I carry with me all of the time.

I was very upset, and I sent them full payment through online bill pay. They received it 4 days before deadline, but they posted it to the account 2 days after deadline, so they can charge me a late payment of $39. I called them again, and once again, they told me there is nothing they can do. I closed my account with Capital One, and I advise everybody else to stay away from that company, because they will do anything to rip you off.

How can a company operate like this and get away with it? How can they say well maybe it was lost in the mail but you are still responsible for it. If they are mailing something so important, shouldn't it be sent with your statement to ensure that you receive it or post it online to your account? I mean there should be provisions for customers who do not receive such a mailing. My interest rate will now be rising from 6.74% to over 16.99% and I was told it has nothing to do with my credit or payment history but due to economic conditions.

When Hibernia bought out Coastal, their customer service went down a few notches, however not too bad. When Capital One bought out Hibernia, the customer service just plummeted. I have had several very nasty incidents with them. Most of the good managers they had either left or were transferred elsewhere. The new manager at the Mason Road branch in Houston is super rude.

One time, I and my wife went to use the locker box and waited almost an hour after we signed our names. The manager allowed some people to use the locker box ahead of us. When we asked her why she allowed others to use the locker room ahead of us, she very rudely replied that they had been there before us. We showed her the sign in the sheet and showed her our names were ahead of everyone else's. At this point, she became very nasty and replied that we had left our place in line. The funny thing is, there was no line! People waiting to use the locker box were sitting on couches, till their names were called. However, there is only one person at the Mason Road branch who will still go out of his way to help the customers. His name is Ketan. I know it is only a matter of time before he leaves or is transferred elsewhere.

I called the Mason Road branch one time, wanting to know why the interest rates had gone up so high. It was probably the manager who got on the phone and told me very rudely that they had mailed out notices to everyone and that if I had not read my notice, then it was my fault. Since then, I have opened an account at Wells Fargo. There's a very big difference in attitude. I will be transferring all our accounts to Wells Fargo. They are happy to see you arrive, unlike Capital One. They are happy to see you leave.

Over the next five days, this same collection company called demanded the $72.00. I told them again and again I would pay it off when it comes due. I asked them to stop calling because I worked nights and they keep waking me up. They said they will call everyday until they get there $72.00. I called Capital One and paid them the full amount 15 days ahead of schedule just to have the collection company to stop calling waking me up.

I must admit I liked Capital One for many years. Their rates were good and front line customer service was good also. But don't make the mistake I made. Going over your limit to them is a capital offense. Whatever happened to just adding a fee for going over and letting the customer pay for it. Why be such sharks about a simple overage? It looks like to me Capital One no longer cares about customer service. Beware.

Then, they started a new trick. I took the card that hadn't been used in ages and got some gas. I then went to a local shop to pick up a few things. The card was declined, three times. Thankfully, I had my debit card to make the purchases. I called Capital One from the parking lot, having not actually died from the abject humiliation in the checkout line, and was told it was for security purposes. Using the card triggered a lock down on it that had to be sorted out through the fraud department. No real reason other than that was given. No, there was no history of it being reported stolen. Just use it once and it will be locked down according to the assorted customer agents.

Then the past few months have been quite interesting. Someone used my card on the Internet. I said someone because it was not me. I tried contacting the company and got a strange voice mail box. I Googled the number for the company that came on my statement and find slews of complaints on the 800 notes website. Seems it's a scam company that just randomly charges cards.

Several months ago, I had a strange charge on my unused card. I do not recall if it was the same company. I called, and it was removed, no problem. It has been very different the past two months. I saw the charge, called and spoke to a very nice lady who said it would be investigated and as it was the only charge on my account, I had a zero balance. I picked up my mail and what's in there but a statement from Capital One. Another fraudulent charge perhaps? Of course not, they took care of that. This was for interest on that fraudulent charge that had been removed, a whopping $1.85. That's right, one dollar and eighty-five cents.

When curiosity got the better of me, I called today as I just had to hear the logic behind that stellar business decision. The agent almost asked me if I was stupid for writing and mailing a check for a dollar eighty-five, but caught herself as it was halfway out of her mouth. She credited it back, but that was far from my point. It was decided that it would be best that I call in to the 800 number every single day as long as I have the card to check and see if there are any fraudulent charges so I can report them instantly to stop accruing interest on them. I am apparently responsible for all interest regardless of the fact it stems from a charge they admit is fraudulent.

I have been a customer of Capital One for a number of years since college. I have not had a late payment or any trouble with them until this bank bailout/free for all occurred. I am very grateful I have been able to make payments when asked and have a pretty impressive credit score. All the above combined tells me that Capital One's actions are not a result of a massive percentage of their customer base falling behind due to hard times. This looks very much like a corrupted pattern of behavior that Capital One obviously feels no worries or fears of any sort of consequences or punitive ramifications.

There was gossip regarding the nature of my finances when I was declined for purchases I was trying to make at Rose's Discount Store. I live in a very small community and word travels fast. Also, having to call every single day to check if any charges have been made to my account for as long as I have an account with them has actually caused me to lose sleep and is stressing me out. My dentist is going to flip when he sees the result all the stress related grinding has done, all due to Capital One. If I close my account, I hurt my credit. If I don't and don't spend a portion of my life checking in with them daily, they will ruin it anyway.

Two weeks later, I had received the replacement card but not the statement. I did not have any documentation from this account (remember I did not actually apply for the credit) so I called and informed them that I could not make a payment without the bill. They gave the mailing address to me (the payment was due the next day) and promised to send the statement, I promised to send a payment that day. Two weeks later, I received the next bill with a $20 late charge and a $20 over limit charge (their charges took me over my limit).

When I called to complain (the delay of the payment was their fault and not mine), they refused to waive the charges. I called several times, staying on hold for over 45 minutes one time, to speak with a supervisor. I was told by "supervisor" tough, not their problem. By this time, another statement had issued and in spite of my payment, was once again "over limit" and another $20 was tacked onto the balance. I immediately sent all of the money that I had charged on the card plus interest along with a letter demanding that they close the account and delete the $60 in charges they had put on the account. They held the check and the letter for 4 weeks, then cashed the check and "closed" the account (after adding another over limit fee and another late charge).

At this point, they spent the next 6 months calling me daily. I explained the situation repeatedly to their collectors. I refused to be responsible for their "fees". I asked them who they answered to and at that time (according to them), they were owned by private investors (they were not yet a bank). There was no regulatory agency to appeal to and I did not have the money to hire an attorney. They ran up a $900+ balance before they finally stopped adding fees.

After 13 years, I still get calls several times a week from the collection agencies that they periodically release the "debt" to. These collectors will not go away, ever. I barely make ends meet and can only afford my one phone, no cable and live in a mobile home. If I was hoping our new government would make things better in regards to credit for the consumers who struggle, I was wrong. Let the buyers beware, if you don't have money, you don't have the means to defend yourself against these people. They will take advantage of you.

To make matters worse, I had a zero balance on my account several months ago and I will say in all fairness to Capital One, I did receive a letter from Capital One describing an upcoming rate increase. The letter was not very clear and as I recall was in a non-descript envelope (something most people would toss out as junk mail), and since I had no balance at the time, I probably didn't read it as well as I should have. The point is I called Capital One about three months ago to question what my interest rate was and to check on what my interest rate will be once the new terms go into effect. I was told by customer service that the 7.9% rate was my existing rate and they did not see that my account was scheduled to have a rate change.

Based on that call, I transferred $12,000 from a higher rate card to Capital One and thought I would be alright. Now I come to find out my rate will almost triple. How can this economy recover when people like me are paying more money in interest and have less to spend on goods and services? I realize the latest legislation passed to help the consumer may be good in some areas but overall the negative impact regarding the rate hikes that I'm seeing can only further damage and or slow down this economic recovery.

Sir, I ask you to please put yourself in my position. How would you like to wake up one day and find that your credit card rate tripled for no reason other than extreme greed of those who run our banking system? You know; the same banking system we the tax payers bailed out. This is just another financial blow my family has had to endure and I would greatly appreciate any assistance you can offer. My monthly payment will almost triple and now the length of time to pay this card off will be extended costing probably several thousand dollars more in interest.

Ryan quickly got to being smart on the phone with me. I then told him that I wanted to speak to a manager. I didn't have my account info with me so I gave him my SS number and he pulled up my account and then started taking shots as to why the system was calling me. I explained to him I understand how that works, but it's bad business to hang up when the person answers the call. He started to chuckle on the phone and told me to just pay my bills. I have had two accounts with Capital One for years. I pay my bills and don't run high credit, I was late by a few days. Then, he quickly put me on hold and then it hung up on me.

So to this day, I have yet to speak to a manager. I am just going to close both accounts. I bank with USAA, I have a card with them but will get a second card after closing down my Capital One accounts. USAA has always been great and they all speak clear English and are all located in the USA! If you know anyone that has a Capital One account, tell them to close it as fast as they can.

So here we are, a week before Christmas. All our money (cash) went into paying down the balance and now we can't use it. The blockhead at Capital One has cordially informed us that our new card won't arrive until after Christmas. Screw you and merry Christmas. Who at Capital One thought this would be a good idea?! How much more incompetent could you possibly be? Combine this with the total lack of interest in helping us fix the issue for Christmas and you can bet we will be transferring the balance elsewhere ASAP. Big, big thumbs down to Capital One! Not even a heads up? Is that how valuable your customers are Capital One?

I believe that this is a deceptive and unfair business practice, and just another way for banks to earn revenue off of people who are counting on their money being safe in a bank. If you are a victim of a robbery before you even leave the bank, there is a real problem! I will not be able to afford Christmas gifts for my children who leave apart from me in New York. I can't afford to buy an Xbox, and I may not be able to make it to my next pay period without a loan at a high interest rate. I am also very disappointed in Capital One Bank, who prides itself on protecting its consumers against fraud and theft.

I have been bullied and victimized by this bank with overdraft fees in an amount well over one thousand dollars since opening an account in July of 2009, some of which I was responsible for. But with each instance no matter what I did to adjust my behavior, I have not seen or experienced any reciprocation from this bank. I would also humbly ask for info on how to proceed with a suit against the bank. I cannot afford to lose two hundred and ten dollars. For me, that is equivalent to almost a week's pay. Thank you.

My question and complaint is, those companies are allowed to abuse the customer the way they like it without mercy?! On top of the depression?! Please, can you give me some answer and help me with those kinds of abuses that leave me sick and frustrated? More, if that is not enough, to use this card, I have to send the payment they required in the statement on the due date. This card has never been used by me.

I was told that I have the best rate they could offer. They refused to let someone like me get ahead. They're making too much off raising my interest rate. Supposedly, they review accounts and interest rates and they'll let me know if a lower rate becomes available to me. I can't get ahead. I make my payments on time and over the minimum, and they're bleeding me. Because money is going to Capital One, I can't put it towards other obligations. How is it right that an honest person isn't allowed to pay down his or her debt? This is emotionally distressing, and as I work full time and look after my mother who has dementia, my options for earning extra income are limited.

I explained that I live in an apartment community and that the address they had been mailing my statements to was incomplete, without an apartment number. I had once before called them to let them know I had not received a statement. However, they did not care about the circumstances. As far as they were concerned, they sent the mail and did not get a response from me. No further argument or discussion. When asked why I was not fairly credited the 1% of $26.64, they said it was up to the Rewards Department and transferred me to them. When I talked to them, they said they could not help me because they could not retrieve my credit card number in their department and transferred me back to customer relations.

Round and round I went with customer relations. I spoke to 4 people (2 supervisors), who adamantly said too bad for me. Nothing they can do. The Rewards Dept decided on the amount. I think Capital One is very unethical in dealing with my complaint and how they went about removing my rewards (although small) and giving me 1/5th of the value of the cash out amount.

Anyway, they told me there was no way to take off the $29 even though I was paying them about $23 a month interest. I told them they wouldn't get another penny from me and they won't! It might mess up my credit, but to be affiliated with a company that is that messed up to an individual customer... Hell with them. I'll just wait and have a credit restore company fix it, they won't get another nickel from this unhappy cardholder. Wouldn't you do the same?

During these hard and difficult times when just keeping the lights on, keeping a roof over me and my family’s head, and putting food on the table, I have to deal with trying to pay Capital One payments and you are just continuing to charge me over limit fees. My balance of $543.52 as of May 27th shows that I was only a little over $6 in over my limit, yet you charge me close to $50 in over limit fees. Then to hurt my family even more where again you charged me another over limit fee and now my balance is $582.52. Here it is June 26 and I have not used the card in over a month but yet I am close to $100 in charges for the month!

This is exactly what the President and Congress were talking about when they passed a law declaring credit card companies to stop draining the American public into more debt when they can barely keep food on the table and keep their homes. You should be ashamed that you are continuing the same old practices during these rough economic times. The bill passed by congress requires that you not only stop with increasing the rates you charge, but also that credit card companies allow a 60 day window for payment instead of the 30 day because of the struggles that our nation’s consumers are now facing.

Do I not pay for gas to get to work, my mortgage, electricity, or groceries in order to pay you close to $100 in late fees because my last purchase put me a little over $6 over my limit? I am deeply saddened that Capital One is still practicing how to destroy country’s infrastructure by destroying the root of its development; the consumer!

You can best believe that I will bring my story to the attention of President Obama and Congress should nothing be done to help ease the pain during these hard economic times and make this wrong right. I have been a customer of yours for a number of years and you have only continued to charge me unnecessarily with charges and fees. I pay my bill every month and because of emergencies, I had to use the card in early May. I still have the same credit limit that I started out with and have been without an increase ever since. But yet still remain in your debt and you in my pocket! My intent was to pay $25 today (which I will do) because that is all I can afford right now. Mind you, it is $10 more than my minimum of $15 but what will it do? Absolutely Nothing! Why, because you will hit me with interest, another over limit fee and whatever else you choose to do because I am at your mercy!

In closing, in a time when we as this nation is trying to recover during a very bleak time in the history of this country, you still choose to line your pockets with your credit cards in our wallets! I made this complaint and followed every step that they asked. I never received any response to my concerns/complaint and even after they froze my account they still hit me with overdraft/interest/late fees! They have doubled what I owed them and doubled my credit limit, yet never gave me an increase and always paid them on time prior to the May incident. Even after they said they froze my account, I now have a bill of $1,005.39 as of 12/11/2009! I am asking for your help to intervene on my behalf since Capital One will not work with me! Thank you in advance for you anticipated cooperation in resolving this matter.

It really is frustrating because with the additional help we have received from other creditors, we really don't need CCCS's help but due to the lack of professionalism and the fact that Capital One does not have a program set up to help those under financial dire straits make me want to go to CCCS and have them set something up with Capital One just to get a reduced rate. I just can't believe the lack of professionalism I experienced from a banking institution. I just wonder what they would do if you default on the card, if that's what it takes to let them know you really need help. It is just really a sad company that can't help their clients when they are in need. Probably a contributing factor to why the current economic state is like it is.

This bank is just greedy and not a company anyone should partner with. I will pay the minimum on the credit cards I set up terms with and work to get this card paid off first while not using the card for any further charges. I will also use all of the "rewards" points I have saved up for services I need and use to try to help my economic situation. Once the card is paid off, I am going to cancel the account and never work with this bank again. I will also tell everyone I can about the bad service I received and recommend that they don't even consider starting an account with Capital One.

The economic damage is that the other credit cards reduced their rates to 6% or lower and I'm still paying 29.4% to Capital One. If they could have reduced the rate, I would be paying $680.00 in finance charges a year but instead I'm paying $3,381 in interest per year alone! This is a difference of $2,701. With having to take unpaid furlough, pay cuts, medical bills and owing the government $3,000 in tax money this year, I am just wondering how everything will get paid. Physically, I am very emotionally upset and worried about my financial condition to pay off everything. It makes me depressed and very concerned. I was amazed that they could offer no assistance at all.

From there, over an hour of arguing ensued; I spoke to three different people. They kept saying "they were sorry for the inconvenience". Inconvenience! What kind of double talk was that! And I said it's hardly an "inconvenience" to have a significant amount of money more or less extorted from me under the guise of an advance notification that I never got. So, I went to the web to check to see if others had a similar issue with Capital One. Sure enough, others on this very site had the same problem with "alleged" notifications that, in fact, were not received.

I've never been late, never missed a payment. Chase also raised their rates but they sent an opt-out notice giving their customers the option to choose a higher interest rate or close their accounts. I called my Congressman and Senators and have begun paperwork for an investigation to proceed. Of course, all the credit card companies were aware that the legislation preventing hikes of interest rates on past purchases had an effective date of Feb. 2010 to December of 2009. I asked my Congressman why they didn't put the legislation into immediate effect when they first wrote it and/or make it retroactive to the date of the original legislation since the credit card companies rapidly stepped up their campaign of exorbitant interest rate hikes.

I was told it's hard to get legislation through. Well, of course it is. Go to Open Secrets and check each legislator's funding from financial institutions. So basically, credit card companies were given a year's advance notice about what restrictions were coming their way with respect to unfair business practices with their customers. Gee, they got a whole year to get out of Dodge; many of us didn't get any notification there was going to be new rules.

The practices are worse than deceptive; they're parasitic; it's high time American citizens started doing something about our loss of rights in favor of big business corruption. Most of us have lost 25% of the value of our homes going to corporate financial fraud, and we have a $3/4 trillion debt to pass on to our children and grandchildren, thanks to the bailout of the crooks. At least, complain to your legislator and have them send paperwork to proceed with an investigation.

3. What are my damages from Capital One and this third company for stealing my credit bureau records when I have no relationship with them and have not requested any business from or with them, etc?

The last issue I have is in September of 2008. JC Penney sent out a notice advising of a change in terms to an existing account. They offered an opportunity to opt out of arbitration, along with the exact steps you had to take to effect this opt out. The terms stated in writing my adverse action would be taken if you chose to opt out of the arbitration. I chose to opt out of arbitration and followed their exact steps to effect that opt out. I discovered one night after work, when I went to pick up a catalog order from the local JC Penney store, that my account had been closed. I was at the counter after having waited approximately 20 minutes in the long lines at the catalog counter. So my discovery was where I was effectively, publicly humiliated by the clerk announcing that my card was no longer any good, that my account had been closed and that I had to immediately pay off any existing balance on that now closed account.

I called JC Penney to find out why my account had been closed and I was informed that by me having opted out, I had closed my account. This is of course contrary to the written terms. Clearly, I had been retaliated against by accepting their offered terms and following their directions. Of course, having my account closed also had a negative impact on my credit score.

I tried to talk to JC Penney to no avail. I wrote to them twice with no response. I finally hired an attorney who also wrote to them. His first letter was not responded to because he had not mailed it certified. He mailed his second letter certified and eventually got a response saying it was all an unfortunate mistake and the account would be reopened. In the meantime, all the credit bureaus had been notified by JC Penney that my account had been closed by me effective October 2008. As of June 2009, JC Penney still had not reopened my account nor had they notified any of the credit bureaus and corrected the unfortunate mistake. This is of course in violation to the FCRA laws.

Finally, I sent them certified a demand letter for financial damages in July. I believe they finally fixed their unfortunate mistake in August but of course, the credit bureau records did not get corrected until September. Almost one full year. I am certain my experience was not an isolated event and who knows how many JC Penney cardholders got caught in this trap. I decided they owed me for all the grief they put me through, the fact that I had to hire an attorney to communicate with them, etc. I need to know what my damages are.

After two days of calling, you can't get a real supervisor, everyone taking the calls claim they are supervisors or Account managers. After checking with the credit bureau, they show that Capital One shows the amount they are owed along with their collection company that shows that their creditor Capital One has an account owing with them. So really! Capital One can get paid twice for the amount! This has really caused a lot of stress for me, since we were ready to close on a house, and everything got held up for that one piece of paper that Capitol one would not release till after 30 days.

I called again on November 10, and asked that they fax the information. Again, no paperwork. Another call on November 24, finally, generated papers that arrived on November 27. The cover letter was dated November 24, but the forms were dated October 7 (stamped "Backscan") and due on October 22! I faxed the forms back right away, and called the following Monday to confirm if they were received. I was told at that time that the matter was resolved, and I would be getting a letter. They refused to tell me if the charges were removed. When the letter came, it stated that I still owe the $93.90!

I went through 3 operators the next call trying to get someone in charge. After an hour, I finally got the "supervisor" to tell me the transaction number and details of the transaction. The purchase was made at the Canadian branch of a well-known retailer and shipped to Tennessee; we all do that, right? I found a customer service number of the retailer, and found they have a fraud department. They couldn't have been nicer. As of today, they tell me they posted a full credit to my account. (I'm still holding my breath till I see it posted on Capital One.) I am anxious to close the account, but they won't till there is a 0 balance. They won't even put a hold on it to prevent future problems.

The payment was due today, so I paid the minimum just to be sure they don't hit me with late fees in addition to the finance charges they insist I must pay. I can just picture them having drinks on me in Mumbai! (I have the majority of operator numbers and their fake names)

Consequences: I spent at least 9 hours trying to get this resolved, and much worry about the only credit I have established for my tiny business. It seems a lot of time for under a hundred bucks, but I'm sure that's part of the reason why they didn't care to solve the problem. This has been a bad year for my business. This just added insult to injury. I expect better of a financial institution, especially one that took bailout money from my tax dollars.

Two months later, I start getting phone calls from them about paying my past due bill. I explained to the person that could not speak English that I had not made these charges and was not responsible for them. After 10 minutes of being told I need to make a payment and I refused to do so, they told me to call customer service. Finally, someone spoke English and she helped me dispute these charges that were supposed to already be taken off.

I received a letter from them telling me that the charges had been taken off and all finance charges late fees and credit bureau report would be adjusted; that was November 20th. Now here it is, December 8, and they still refuse to take the past due and finance charges off and take the credit bureau report off. I still haven't talked to anyone that speaks English. As for me what's in my wallet? Discover. Consequences: a bad credit score that is being made worse.

We filed a police report. They trespassed when asked them to leave, etc. Their credit card division is worse. We have been called names and threatened. I'm sure we can do a class action suit. Is anyone aware of any that have been started? They need to be stopped and if our government wants to meddle in capitalism (which they shouldn't) and bail out the banks, then they better darn well be the solution and put the smack-down on Capital One. This company is out of control and we all need to do something about it.

Consequences: Emotional distress, harassment of minors in my home, my relatives that live hours away, caused my bank account to be overdrawn with unauthorized withdrawals on the account, broke laws, etc.

Customer service insisted I received a Notice of Change in Terms in May, and that my account has always been an adjustable rate APR; however, I have kept accurate correspondence from Capital One and did not receive the Notice and my statements clearly state a fixed rate prior to July '09. I faxed copies of my statements along with my letter and my original letter from them when I opened the account. No one will contact me back. In fact, I have been transferred 6 times and hung up on twice in the last 2 days. I am also unable to "opt out" of the change in terms since the time period for that has expired. Therefore, I am now forced to pay the higher interest on a closed and unusable account.

I told her I was dissatisfied with them and I wanted to close my account and she supposedly did and she explained to me about paying off the balance and I agreed to pay off the $500 the over limit fee. Then, I started to get bills for over the limit and late charges, finance charges. So now, a card that was $500, I now owe over $1000 of which $700 are fees. I don't think that was fair and when I tried to get someone about my account, they kept saying there was no one.

So here I had a negative credit rating because I haven't been able to pay this account's minimum payment of $388, out of this world interest rate increased on a card that was supposedly closed. All I wanted was for the lady to explain how I could go over and already have been billed for a transaction, have it to come again next month and throw me over the limit.

I have had it with these people. They continue to say there's no one else to talk to. They got my cell # and call me 4 to 6 times daily and my home phone also 7 times day. It is aggravating. I know I owe the $500 and will be willing to set up some arrangements to pay that amount. But If your account is closed, how are they still able to bill you monthly? They are some of the rudest people when trying to have a conversation. Every word is pay your bill.

Needless to say, I was mad. I have a Capital One business account and the same thing happened that month. And when I explained the same reasons why I was unable to pay the minimum amount by the due date, their representative took the time to work with me by crediting the two (2) fees to that account back, to lower my interest rate and to waive any fees for the next three (3) months in order to help me get caught up.

I was very thankful for his help and I now am current with that account. When I told Capital One that their business division was ready and willing to do this, I was as much as told that they were a different division and would not do the same. I have not and will not make another payment to this account since Capital One will not stop at harassing me with three to four (3-4) harassing calls each day, each week, each month for the past two months. I have offered a very practical and fair solution to this problem by asking them to set this up as a simple interest loan for no more than four (4) years so that I could pay the balance with interest and know that I was paying down the principal and to have my Visa account closed. I have faxed this information to their office to the number given to me by one of their supervisors and have received no reply.

I asked that they do not call me anymore to harass me with their collection methods and they have not responded to that request either. The calls keep coming. I am at my wit’s end on this, but I will vow to allow my credit score to fall to a 300 level if that is what Capital One wishes to do to me. They have already caused damage to my credit score over this and I was told by their collections department that they would continue to do so. Is there anything someone like myself can do to remedy this?

Finally, the hardship department called me back in October and told me they took my account out of collections (didn't even know) and if I made a $22 payment still in October and then $40 during the next few months, I would be on track again and up-to-date. So, I sent them $22 in October and just got a letter from them (November) saying that they understand my situation, appreciate me making the effort to try and make payments but I was now too delinquent and the account was now charged off; my credit marked as extremely bad (the worst there could be, I think they said) and my account would still accrue 19.9% annually.

I do all communications in writing now as I do not think this is a credible institution. In the past, I have sent payments on time and was charged a late fee because they said it didn't get there in time and I had no proof that it got there on time. I will continue sending the amounts I can send. I have not received a written confirmation of a payment arrangement nor have I received a balance statement for any payment I sent in the past.

Last week, I received a letter saying: Congratulations on accepting Capital One's fee credit offer. Your count will be credited for $100, as discussed during our phone conversation. In exchange for this credit, you have agreed to the following payment schedule $660." First, I was never told that the payment would only give me a credit of $100. I was told that it would close my account; otherwise, I wouldn't have made that payment. After receiving the notice, I contacted Capital One, and told them about what had happened, and all they could say was, "I'm sorry, there was a miscommunication. The most we could offer is a $100 credit towards your account." This is very upsetting and companies like this show how little ethics they have.

Today, I was opening mail and filing as necessary when I came across their last statement. I opened it knowing it was paid off and to my surprise, there was a finance charge of $106.73! I immediately called customer service since the bill was due today and this is pretty much what it boiled down to. I nicely asked them to waive that charge and he insisted he can only waive $10. I tried negotiating half way and once again he offered the $10. By now, I told him how disappointed I was and if the issue was not resolved, I would gladly pay the fee and close the account to which he responded, "Your balance is..." and I can close the account after the payment clears! Wow, I am not to react when overly upset (you would have never guessed by the calm tone of my voice) but I truly was upset. I told him I would call back.

Just a little while ago, I called back and by now, I was also being assessed a late fee of $15 (which they nicely waived)! Still keeping my cool, I spoke to the account manager who also offered to close the account since they can't negotiate on finance charges! So, I am paid off and closed off with Capital One! Warning: If you are about to pay off credit card, when you call for your pay off balance, ask the name of the person giving you info and write it down in a secure place! Capital One has no record of me calling and that is the reason they have for not waiving the charge! Goodbye, Capital One! One less headache in my life!

This charge is still on my account. It has been less than 30 days, but when I call them, I usually can't understand the person on the other end and they don't seem to understand what I am saying. They informed me that I am "over my limit" and "Would I like to make a payment?" I did manage to navigate my way up 2 levels on the telephone, and the farther up I got, the clearer the English became. But I have only received lip service and no one to help me.

I got a response from Capital One from the dispute letter I sent today. It told me that they were thanking me for checking on "finance charges"! Say what? I keep sending e-mail messages through my account, and the response I get must always be an electronic brain response as they never address the fact that I am disputing a charge made by them, the vendor. It's just a thank you for my being a customer. Say again. What? I have had a Capital One account for over 10 years, never late in paying and usually paying the entire balance off. If I ever get this straight, I will find the money some way to pay them off. And I will never ever do business with them again!

The account was overpaid, and they had to send me a refund check. And then, they sent another $3.70 bill afterwards. I thought they had my money long enough, and then, they want to charge me for having it. Capital One needs to close this account before I put a bullet through something other than a credit card. "The Total Money Makeover" is the best book to read. I have more cash on hand than I had in credit available and will never need a credit card again.

Finally, I called my bank and reversed the transfer. However, I then received a bill from Capital One for finance charges, but I also received a letter from them saying my account was closed and to disregard any charges. Now, I have received an overdue notice for those charges. I called Capital One this morning and was told they could only waive the late fee. I asked to speak with a supervisor and was disconnected.

I called back again and spoke with a supervisor, who said that since this issue was from September, there was nothing that could be done to waive the finance charges and there was only a small window of time to rectify the situation, which I missed. And when I pointed out all the phone calls and conversations I had with her company on this topic, she said there was no record of those calls. My words of wisdom for everyone out there is to avoid this company due to their terrible customer service. There are plenty of other credit card companies, which will treat you as the valuable customer that you are.

Is there anything I can do to keep my old rate? I cannot afford to pay it off completely, but I am making more than minimum payments. At this new rate, I will never get it paid off. Everything keeps going up, and I will not be getting any increase on SS. That is another story. What can I do about the 17.99% on my old balance? It is like I am being penalized because I can't pay off my balance. I have no option but to pay 17.99% on my balance. I don't mind paying off my balance. I spent the money, and I am willing to pay it off at the contracted amount.

Why am I angry?! The "Important Notice" of a change in terms raised my interest rate (which I never pay as Capital One receives full payment each month) from 3.25% to 29.4%. The reason conveyed on the notice is "You triggered your penalty rate by paying us three or more days late twice within 12 consecutive billing periods." Kevin informed me I was late one time by 3 days! Once I began to challenge him, he became rude, disgusting, argumentative, and any other adjective that applies. (Use your imagination; it doesn't have to be clean.)

The entire time, he has my payment record in front of him; and he told me I have a $39.00 past due balance, which in fact is a $39.00 negative balance. (Obviously, Kevin can't interpret negative from positive.) The reason was my secretary paid the bill and I in turn paid it also. My current statement reflects that Capital One credited (adjusted) my account by refunding a $39.00 fee adjustment. But Kevin is so busy attacking me with "You agreed with the terms of the contract that allows us to apply changes." It became impossible to reason with him.

A screaming match ensued, and he informed me that other customers, due to the economy, are either late or not paying so Capital One has to recover their losses elsewhere. It's not up to the consistent, on-time paying customers to pay for those who can't pay. I know times are tough and Americans struggle every day to make ends meet (and I hope they are able to recover), but do not get an attitude with me, Mr. Kevin.

As I mentioned, Capital One, together with other credit card companies, continues to screw each and every card holder before the government puts the lid on their sorry behavior. And they are attempting to recover their greed at the cost of the honest consumer. So, as far as I'm concerned, Capital One owes me and Kevin needs to become a janitor! Question is, does Kevin pay his bills on time?! Kevin should be grateful he has a job at all!

So, here's the solution. Number one, Kevin, get a life. Number two, Clark Howard has relayed on his website that American Express and Discover are the best credit companies to deal with, and I think I'll follow his lead. So, that being said, if I choose to use a credit card, I will probably make Capital One my last choice; but if necessary, I'll use the Capital One card. Kevin will not have to deal with me again, as I will cease using my card. Penalize me for that, you, jerks! Additionally, I did ask Kevin if I could call him back after credit card legislation hits their world in February. And he said I could. Lookin' forward to it, Kevin! Now, who's the **?!

And on a personal note, my cousin's son was deployed to Afghanistan two weeks ago to allow you freedom to conduct yourselves in a deplorable manner. His birthday is tomorrow. How will he celebrate and will he survive to do so?! So, "What's in your wallet?" Bovine excrement. Now, I gotta go buy a new wallet!

I asked Linda how many times I was late making my payment. The answer was twice: August and September of 2009. When I looked at those payments on the computer, each was paid online and each was two days after the due date. Two days! And not just the $30 minimum either - $120 each time. Linda replied to me that it would not matter if it was one second, one day or one year; late is late. She then told me that I should sign up for a service to automatically withdraw my minimum payment every month, and after 12 more months, my rate would return to the pre-penalty rate. Awesome. As I complained that this is an unfair penalty to assess your customers for being one or two days overdue, Linda told me that, "Life is unfair, sweetheart," and to get over it.

I will not let the penalty rate affect me because I will just pay off the balance and keep it at zero. Unfortunately, I have to shell out $1,000 at Christmas-time all because a greedy no hassle credit card company imposed an arbitrary, unrealistic rate-increase penalty (of 26% for crying out loud!). And of course, the consumer has no recourse; you can't cancel the card - your credit goes down. So you either pay it off (they get their money), and if you can't, you just accept the higher rate (they get more money). Most people will then be in bigger problems as the higher rates will lead to higher minimums, more late payments, more penalties, etc. until they are even more in debt than when they started. That's exactly how the credit card companies like it.

But when does it stop? What is keeping the companies like Capital One from charging 50% or 75% or 100% interest because they feel like it? I really feel like there is some kind of collusion between credit card companies, credit scoring companies and the mortgage banks to keep the American consumer dependent upon credit. I mean how is it even logical that paying off and closing a credit card is negative on your credit score? Or the fact that not having a lot of credit lines or, God forbid, using cash, is a bad thing? Why do we have to be at the mercy of these companies? Is there anyone out there - congressman, senator, lawyer, witch doctor - that is going to help us? Or, is the credit industry lobby just too influential?

If there is anyone out there that feels the way I do and has had enough, contact me. Attorneys, this means you. Does the hard-working American consumer have a chance against the unfair and unethical policies and rate increases of the credit card companies? Honest people that aren't out there trying to swindle the credit card companies need a break; just a little leeway. It's bad enough that these banks took our money in bailouts in order to pay their bonuses, but then to impose outrageous rate hikes on us too; it's just too much. Let's do something about this.

The agent also advised me that they sent us a disclosure about our increase in February 2009 for the increase in February 2010. A year before, the increase raises and they don't have to send anything else to advise us. We never received anything in 2/09. They just want to get you in at the interest rate higher with you not knowing and you can't do anything about it.

I called Capital One and tried to get it resolved, and the account manager who helped me was condescending and rude. He told me that there was no record of the call I made originally in the system regarding the past due balance. Finally, after over an hour of me explaining the situation and him putting me on hold, he came back and told me that it was worth my wait because he indeed found a note in the system indicating I had called and the representative told me my balance was zero and the account was being closed.

On November 3, I asked for this rate increase to be reviewed and retroactively adjusted, since the increase began in September. My basis for this request was that the first late payment was due to a natural disaster, which at the time Capital One acknowledged. On November 11, I called Capital One to check the status of the investigation. I was informed my request was denied, but there was no explanation relative to my specific issues (i.e., a canned form of denial). I informed them I would make another request to Capital One and also copy the appropriate regulatory agency. I believe there is more to this, and Capital One, like many credit card companies, is pushing the envelope to find new ways to generate income.

Anyways, I never activated the card. It's still sitting in my drawer. I got a call today from Capital One asking if I got my card since I didn't activate it. They assumed I didn't get it. I told them that I will not be activating it and that I will be paying the rip-off amount of $39 and closing the unactivated account, and I told him I read on the internet about how they rip people off and that even though they close their account, they still leave it open so that it can accumulate fees to the point of going over the limit.

Before I could call them on their scheme, he hung up on me. LOL, sucks to be called out, huh? Anyways, my only fear is that they won't close my account (even though I didn't activate it) and they will forget or not send me a letter showing my account closed and charging me fees; also not sending statements like some of you have not gotten. I can honestly say this company scares me and I haven't even done anything wrong yet. LOL.

I will pay their $39 fee on 11/12/2009. My due date is not until 11/23/2009 but I hope they don't delay it so they can charge me a late fee and I will close it. But I need to make sure it's actually closed and I don't know how to make sure of this. Now, you can see why I'm afraid of them. They seem to have no regulation and can do whatever they want. That's why I'm afraid of them. It's really sad that this is the case. Shame on me for not researching them first. I hope someone is smarter than me on this and I hope I can close my unactivated account without an issue.

When I received my November statement, I had a finance charge of $31.79. I called and spoke with Madison. I explained my situation, which was 1 year with 0% interest and Capital One charging me interest prior to the year being up. She informed me that she would request a credit but I would still need to pay the bill because the credit would not be applied to my credit card until the next billing statement. I asked to speak with a manager, because I wanted to avoid making another payment for what I believed to be their error. I was transferred to Pinkie, who proceeded to tell me that she would issue the credit but I was charged interest as of 10/1/09, even though the advertisement stated I wouldn't be charged interest for 1 year. Since I opened my account on 10/21/09 and they were charging me interest prior to that date, I felt it was false advertising.

Pinkie placed me on hold, and when it was picked up, I was speaking to Pauline, an account manager. I was not told I was being transferred. I explained the situation again to Pauline, who was extremely rude. She informed me that they are not allowed to issue credits for finance charges and she didn't know what I was talking about. When I told her about the two previous individuals I spoke with, Madison and Pinkie, she told me she didn't know them but that I was misinformed. When I told her about opening my account and being charged finance charges prior to my 1-year date, she informed me that in order to avoid finance charges, I had to pay two consecutive bills in full, which I had not done, and that therefore I was charged and there was nothing she could do for me. I went back and read the disclosure for the 0% interest accounts, and nowhere is it clearly stated that I must make two consecutive payments in full to avoid finance charges being charged prior to my 1 year.

I believe these are shady business practices, and I would discourage anyone from doing business with Capital One. I have closed my account. I actually asked Pauline to do so in the same conversation, where she informed me she didn't know those employees who transferred me and I wouldn't be receiving a credit because I didn't do what I was informed of on the back of my disclosure notice. Hopefully, I will not have any additional problem with this company. I discourage any and every one from doing business with this company. They have very poor customer service relations and they have questionable business practices. It would seem they are notorious for unclear business practices and preying on individuals who are trying to rebuild their credit or are just starting out. There are better, more reputable companies out there. Providian and Citibank are just examples of a company working for their customer, not against them.

After two days of arguing with them, they raised the limit to the account balance; but they refused to return it to the original amount. In addition to not having any available credit, the FICO ratio by which a person's credit rating is influenced is not hit with a negative rating since the debt-to-credit ratio jumped from 10% to 100% because Capital One lowered the limit and not because I had run up the balance. I am never late on my payments, and I always pay a lot more than the minimum payment. And so, they had no cause to lower the credit limit by any amount.

The following month, I discovered that they doubled the interest rate, again without cause and without notifying me. In both events, they told me that they sent out notices, but I never received one and I made them aware of this. This information changed nothing. I didn't like the reduction in the credit line, but I still continued to pay the monthly bill. When the second offense occurred, I was so upset by it that I originally wasn't going to make any more payments because they were charging me twice the rate of interest that the purchases were made at and this is wrong. However, I decided to go ahead and make the payments to eliminate the balance.

Today, I went to use the card to make a gas purchase, since I was running low on money until this Wednesday. But the card was declined. As a result of not being able to use my card, the price for the gas also includes a $30 NSF charge that the bank will charge me for overdraft protection. This whole thing is beyond frustrating and is morally wrong.

Credit card companies should not be allowed to reduce the credit line of its customers, unless there is a problem with that specific customer. In addition, credit card companies should not be allowed to change the interest rates on past purchases. Those purchases were made based on the interest rates at the time of the purchase and should stay constant. New purchases can be charged at a new rate if there is a new rate.

I also received the $59 member fee this month, which I have received in the past. However, unlike other years where I have been able to get this fee removed, Capital One would not remove it this year. So, I closed the account. I let Capital One know my feelings by emailing them at their site and asked them if it was really worth losing yet another customer basically over a $59 fee they won't collect now since I closed the account.

In October, I tried to make my account current by making a payment arrangement with a gentleman (Craig on 10-7-09). He said for me to pay three payments of $50 which I did. In turn, the three payments of $50 would make my account current and he would adjust my account to $660 before the $150 payment. I agreed to that because I told him I was not paying late fees, etc. I asked the guy to send me something in writing and he said he would not. Now, I received a phone call stating that I still own the late fees and over limit fees of $980. I am willing to make payment arrangements but I am not paying for late fees, etc. I want the fees to stop. It does not make sense for me to continue to make payments on something I cannot afford with payments accumulating. My account will continue to be delinquent.

I am asking for a reasonable payment arrangement to be made. I spoke to a supervisor, Michael, and he wanted me to pay an unreasonable amount. I refused so he hung up on me. He did not want to work with me. I am asking for someone to please call me back and hopefully, we can come to a reasonable payment arrangement.

Many phone calls later and not one letter from them, I discovered that it was simply my word against theirs and that their records show that I signed up for an offer that was different. They have no proof of this, no letters, no emails, no recorded phone call. So far, I have paid over $400 in interest that I did not agree to. I think it is fraud on their part, and would love to find a lawyer to take my case. Don't do business with Capital One.

I called Capital One and was told about the very last line in the pamphlet - that I could "opt" out and pay down the balance under the existing terms. It was written to be misleading and deceitful! I looked up prior statements, and there was no notice or warning of a pending change in terms. Also, there was nothing on my web account under messages and alerts regarding a mailing or any change! Most other credit card companies make sure their customers are well-informed. It seems like Capital One made a veiled and deceitful one-time attempt to contact customers, so that they can sneakily increase the low rates that were offered on promotional balances. Why wouldn't anyone opt out of terms that would increase your rate 60%?! Now, I'm told that I am stuck with the increased rate!

I do not understand how this bank can be allowed to operate in this manner. They told me that it was approved by the BBB, and it is legal. Their entire notification system seems suspicious to me and is certainly set up to fail in their favor. They should be obligated to put notice on their statements! Capital One should not be allowed to change agreed-upon terms with a one and only misguided letter!

Now, I've been on unemployment benefits since the winter and have CO filing suit against me in county court, when I have told them over and over that I cannot pay, have only unemployment insurance as an income, and have no assets. In spite of my efforts to try to offer a payment plan twice to their idiot attorneys, they have refused. So they will get a judgement against me for zip, because that is what I own - zip. Nothing.

I have been seeking a job for over 9 months and am having no luck at all. Once I get one, if they try to garnish my wages, I will file bankruptcy. I will have no choice. Meanwhile, they pursue legal action against me in spite of two offers to make payments. That tells me (and it should tell the judge, but no matter, I've been told the judges always find for the plaintiff, CO!) that they really do not want payment from me. And I have to wonder if they don't benefit more from writing off the debt than from collecting from poor saps like me. In short, there is no justice for the defendant, no matter what your financial circumstances are. The credit card companies have total power. Well, I can tell you all that I have learned to live without credit cards for the past 2 years and I will never have one again. And then we bail their sorry ** out. Yeah, right.

I wonder where the laws are to protect us from this abusive APRs. I'm a business owner, and I'm trying hard to keep myself on business. But the bank, which I have to say receive all our money through the government, do not give us a little break here. And I repeat, they do not give us a break. I tried to negotiate with the supervisor, and there was a negative answer from them, a "no can do" attitude. Therefore, I'm writing this complaint to see if there is some institution which can fight for all of us, just normal persons, who are trying to survive in this horrible situation provoked by the banks themselves. I'm definitely angry and frustrated with this current situation of no flexibility to us, regular people who work hard everyday. Let me know please if there is something you can do.

They call every month to tell me that the payment I am making is not enough and that as long as I am over the limit, this amount won't help me. They are right about that, but there is nothing I can do. So, I am making $60 payments per month on an account that used to have a minimum payment of $25 and because I can't give them more than $60 per month, they say they will not stop the late fees of $39 or the over the limit fees of $39.

At this rate, I will never get this paid off; and it is only getting worse. Capital One has no mercy, and I feel as though I am trying in good faith to pay this off and they are taking advantage of my situation. When I told the collector that this practice is unfair, they simply responded with "You should have thought of this before you let the account get to this point." Then, they had the nerve to say to me (and I am quoting this word for word) "How do you expect Capital One to make money?"

I am furious and trying very hard to make ends meet. They are making my already ruined credit worse. I thought there were laws out there to protect people. This bank should not be getting away with these practices in this current economic situation. I know I'm not the only one in this situation and really wish there was someone who could help me.

This is a blatant fraud issue from Capital One. I assure you that upon getting the recorded phone call, it will reveal the 2% balance transfer rate. I will not let this go unanswered. I would ask that this matter to be addressed. All I need is an avenue to receive the recorded phone call to reveal what was offered. I have no idea how to get that from Capital One. Thank you for your assistance.