Capital One Reviews

They pulled the same crap with changes in terms. I maxed that card out and paid it off within four months of receiving the change notice. Then, I received another application, filled it out, and sent it in. (I'm a glutton for punishment, I guess.) This time, they denied my application, stating that I had a bad credit rating. I checked with all three reporting agencies, and I have an excellent rating. My score is mid-700s.

I believe this company cleverly avoids accountability for its questionable, if not criminal, practices. They breach their contracts all the time, and they seem to get away with it. And, if you're a savvy consumer, when you challenge them, they will go an extra mile to screw with your credit ratings with the three major credit agencies. Their staff is smug and disrespectful, and I think it's time to put these people in check. They need to be shut down, and their policy makers held accountable, if not jailed.

I am filing a complaint with the Federal Trade Commission, and also, I'm writing my Federal Congress people. Capital One must be stopped - and stopped hard. The denial letter contained false/misleading information concerning my credit history/background. I am furious! I will also be retaining counsel to pursue a suit against Capital One rather quickly. I managed to get all of the documentation together as well as the names of Capital One CS reps. I'm going after these people.

I called one more time. The third representative asked me the same questions as the previous two persons. I was upset and explained to her my issue. She said she has to redirect my call to the account department. She left me on hold for a long time. Finally, the 4th representative from the account department spoke to me. She was very rude and mean. I asked her to cancel my account. She said it's impossible until I pay off all my debt. I asked her "How I can pay off all my debt if someone uses my card. How can I protect myself?" She said there's no way they help me. I should pay off my debt and then they will cancel my account. But it doesn't make any sense. What if someone will use my card by the time my mail with check will reach them? My debt will never end! She repeated I have to pay off all my debt before they cancel my account. I will never ever use any of their services, and I will never refer this company to anyone! I'm very upset.

First, I called and got the bad news that it will be happening to all my cards. I said, "But wait. I have a (Capital One) folder on my accounts. What about your written offer to me on my account for $15,000.00 to remain at a fixed rate." I said this was wrong and it's false advertising at best. You can't ask someone to sign a promissory note and then later decide to up and change the rules. There would be no trust between the two parties if the agreement was worthless as the paper it was written on. And so far everything I have found on the net towards asking them to lower what you owe by say 20%, half of what they would get if and when you can not pay it off and it gets turned over to a agency to collect it. They get around 40%. All I hear is they will crush your credit report.

I feel they borrowed the money from us to get out of debt. Now, they have raised the interest rates to pay the loans back. I have closed all my accounts and cut up my cards. It will be a long time before I am over this. I have had to get a personal loan to stop the financial bleeding this would have caused me in the long run. I would have never been able to pay them off, and I have my pride and credit to think about. I too paid on time and more than what was asked for. To me, they are breaking the law of good faith and trust. I trusted them in good faith to keep their existing contract with me. Also, they pulled a fast one if you use your high interest rate. Say, pull out money. They do not pay it off; they pay off the lower rate first. So the higher rate keeps drawing more money for them. That's a scam.

I have received several changes in terms from Capital One, and whenever they update my interest rate, it shows on my statement. They are hiding terms from their clients, and basically since they are charging me an excessive amount for interest which they will not declare on the bill, I will struggle to pay my balance off, even though I am not using the card for charges and trying to pay it off. Shame on them for their deceit. Hopefully, you can get them to declare all their charges on their statements and stop this "It was in the original agreement" when they have changed the agreement whenever it suits them.

In every contact with the disputes department, I have repeatedly requested that I receive written determination of this dispute and have been continually reassured that I would receive any determination in writing. The last written communication I have received is the 1/22/09 letter telling me the charges were being credited to my account. Because there are no other charges on this account, I phoned to have the disputed charges removed as according to Capital One's contract, I should not have to pay disputed charges and/or interest on them.

The minute I made the request to have the charges removed, I was told that Visa had found for the merchant and I would have to pay all charges. I requested this determination in writing and again, to date, I have received nothing. If a determination has been made, I don't understand why they won't give me written confirmation. If the dispute is still open, I shouldn't have to pay anything.

On Oct. 16th, the consumer disputed the same charges and the consumer agreed to pay the $87.97 to get Capital One off her back. Capital One denied to give the consumer the exact amount owed. The consumer wants to pay a final bill, but as you can see, Capital One is of no help. Capital One said the late fee would be waived. Be aware that the consumer was sent the same statement several months in a row with the wording, "suggest payment of $87.97." The consumer never paid until now and now Capital One is charging a late fee to substantiate their loss. Another bank ripping off the consumer. The consumer discarded the documents after Capital One sent her a check for disputed amounts.

I want to pay them, but they are refusing to work with me. All I have asked for is to return my rate to what it was before they raised it. I'm not asking to be relieved of my debt, I'm not asking it to be lowered to less than it was before they did this. Customer service is abhorrent, no one even speaks English. A true nightmare situation.

Economically, we are obviously going to pay off the balance with more 401K funds that will cost more income tax and less earning power on our savings. I told the rep I was going to help Capital One go broke because I won't close my accounts and make them send statements every month. They won't earn another penny from this household. We were good, on-time paying customers. People like us are going to get really mad and put credit card companies on the ropes so that the only customers they can tempt are ones that have no other avenue for borrowing and usually are higher risk borrowers. We are retirees on a fixed income, but plan to get back to a cash basis by 2011. We started out that way in 1965 and can do it again. I hope it really hurts Capital One to lose business like ours.

When I received my next statement, I noticed that my APR was set to 19.99%. I immediately called customer service again and spoke with a man this time named Dave. I explained to him what was happening and he got with the account manager and supposedly made everything right. Since the payment was not delinquent and I had a guaranteed 4.9% for life, they were going to correct it all, send me a copy of the credit reports showing a retracting of the delinquent payment, and affidavits to fill out and return to them. A month later, I still had not received the package from Capital One, but did receive the new statement now showing my APR at 29.99%.

Outraged, I contacted customer service again to get this resolved. The rep stated that because I had a delinquent payment, I was increased to the 29.99% APR. I explained in detail again what had occurred and they said that they would bring me back down to the 19.99%. I told them I wanted to get back to my "guaranteed for life" 4.9% and they said they could not do that, that they no longer offer 4.9%. I requested to speak with a supervisor and was connected to a young lady who got to hear the story once more. She stated that she handed my file to her supervisor and that they would review it and call me back. I did not hear from them for two days and called CS again. I repeated the story to a new rep and requested a supervisor again. Well lo and behold, this supervisor informed me that my card is no longer with Capital One, rather it is now with GE Money.

At no time was I ever notified by any source that my Capital One card was going to switch to GE Money and that my "guaranteed for life" 4.9% was no longer offered. Now that seems very peculiar since a month ago, my account was a Lowe's Capital One credit service and my last statement says the same, but their customer service and account managers now informed me that I have been wrong about my account for the last 17 months when the buyout occurred. I was told that they have received many calls from other customers trying to pull the same thing that I was trying to pull. Apparently, they need to look in the mirror and see who is pulling what on who.

I have been a loyal customer of theirs for many years including personal and business loans with never a late or small payment, and for them to pull this crap on me is outrageous. I plan on contacting any and all authorities possible, including state representatives to look into these practices. I now believe the fraudulent charge was a ploy to close that account number in order to no longer honor their end of our contract.

I was transferred around, told to send in correspondence (which I did on September 25, 2009) and was told there was nothing they would do. I also followed up on October 12, 2009, when I still had not heard anything from Capital One and they said that my complaint was still sitting in a queue, but in all likelihood, there was nothing they would do about it. I have never, not one single time, been late on a payment and I have always made more than the minimum. I have been a very good customer to Capital One. I am stunned by these fraudulent and callous business transactions.

The next month, I paid as usual and got my statement. And again, there were overdraft and late fees. I called again, and they said they'd credit them back but that I'd need to pay a higher payment because of the late fees this month. I was like no. I made sure to pay a few days before so it would have time to go through and wasn't late. They said it should be fixed.

I paid again the next month, and it's the same thing. I called again and spoke to the first American thus far. I told her the story, and she told me she has never seen this before in her life and that if I just paid $37 the next bill (She did not say + minimum payment, + $96, + 5 thousand dollars.), everything should be fine and if not, to call back and talk to a supervisor.

So this came, and I paid the $37. And guess what? There were the same fees. So I talked to a supervisor, and he told me no and that I was to pay the outrageous fees. What she said was wrong. I said, "Well, I'd like for the tapes to be reviewed of all the reps I've talked to, as the first one told me everything was fine." He said he would review them and action would be taken as needed to the reps but to pay them. I said, "No, I refuse to pay for your mistakes, and I'll let it go on my credit and close the account." I even asked if it could be put on hold while we figure this out, and he said no.

So I didn't pay last month. It's the first time I have actually not made a payment, and I got three letters from a collection agency. All this does is get me angry. So, I called and immediately wanted to talk to a claims person. I told them the story, and they said I have been consistently late. I'm like no. They were no help, so I said, "Let me talk to a manager." I told them the story, and this guy tried to claim it started because I didn't make a payment in May. I had my bank account open and said, "No, I have proof." After arguing for 5 minutes, he "suddenly" found it and again said to pay. So again, I said, "Let me talk to someone above you."

I was transferred, and I got this smart-ass young kid. I told him the story, and he said pay. I said, "No, I'm not responsible for your mistakes." He said I get a statement every month. He goes by that, not by what his reps tell me. I asked how that makes sense, when even the account when I checked in June showed it was fixed. He told me no and that it didn't. It went back and forth.

After more arguing, he told me the whole thing started because I paid too early in May. I said, "What? How can I talk to 7 people, and you are the only one who seems to be able to find that? Which no I didn't. I pay after I get my statement but before the due date." He told me no. I said they were all telling me different things and that they were the ones who tape the conversations and I wanted those looked at. He basically called me a liar. I said I wanted to talk to someone above him, and he said there wasn't anyone. I said, "So you're the CEO?" He said yes, and I told him by the sound of his voice that he was quite young (and seeing as the CEO of CO graduated colleges in '77 and '81). I somehow don't believe him, and he refused to transfer. So I hung up.

I called the parent company, Capital One Financial, thinking I'll get someone who will be angry with how things are being handled. Boy, was I wrong. His tone may have been nicer, but he told me to pay. He tried to scare me into worrying about it going on my credit. I told him I didn't care and I won't back down. I asked about the reps, and he said sorry... if I pay by Monday...

I filed with BBB as well as I'm looking into others. I was a constant, good paying customer; and I tried to work things out. They refused to cooperate. Now, they will never see their money, because I am not going to give in when I know I'm right.

This is taking my time and money (from using my cell phone) to deal with a credit card that I never opened. It's causing undue stress in my life that my credit score will worsen or my wages may be taken as a result. Economic times are difficult for my family and I right now and I don't feel it's fair for Capitol One to start credit accounts for people without their knowledge or consent.

I have tried over and over to get some assistance with this bill. I have fallen ill and am unemployed. I have asked for help online, on the regular phone number, on the number on my bill, and on Linda's phone number. It is, by the way, continual; and I have called it for help at least 5 times. So I stopped calling, as it means nothing. You have no help in all these cases of my contacting you, and I have tried and tried to get some help with maybe 10 calls to different numbers and almost as many e-mails. I cannot think of another way to get assistance from Capital One. I would like to be responsible. I do not have the kind of minimum payment, and I have been charged hundreds in overlimit and overdue fees plus an astounding APR. Really, I think there must be an army of robots in your company, and in hopes of reaching a human, I am trying one more time.

I asked why they did not put notification in the statements as well as on the website. If on the website, which I am sure they get quite a few hits, they could get systemic notification of when the customer received/read the notification. She said she would submit the suggestion to management for me via email. I find the whole experience to be extremely poor customer service. I have worked at 2 major credit card companies for 20 years combined and never had they dealt with something like this in such a shady, underhanded way. My APR went up to 29% and I was never even late once in the 7 or so years I've had this card. I went over limit by $5 one month and then 3 months later, by $40. I then called in about my husband's account, which I am joint. They told me they sent a notification back in February. Guess what?! We never got that one as well! Something has to be done about this. I am sending a letter to my attorney general's office as well.

I closed my account with them in March 2008, and ever since, no charges were made against the account. At the beginning, I thought it was a credit card fraud; but when I checked online, their number and address were correct. I then wrote a letter to them that I did not authorize any charge against my account and they should not accept anything against my closed account. I then received another letter with instructions on how to dispute, and at the same time, they were asking my account number, SSN, and other information. However, when I sent the second letter, I did not provide any of the information since they have my information, just in case they are not the real Capital One. I then received a statement stating that we're behind by 1 payment, and the statement shows the previous balance of $1,241.00 with no payments and credits plus a finance charge of $4.34 + $39.00 (transaction), which equals to $1284.34. Minimum payment is $75.00, and due date is October 23, 2009.

I don't understand all of this. Who gave them the authority to charge against closed account? I sent a letter twice for them to dispute the charges against my closed account. They do not specify what company charged for what. Only thing it stated is the previous balance of $1,241.00. There's a finance charge of $4.34. There's a late fee of $39.00. I did not have any problem with them while I was a member with them. My account was closed more than one and a half year, and suddenly, I received a letter stating that they validated the charges against my account. I hope this is some credit fraud, not the real company trying to abuse innocent people. Please help.

The next week on April 15th, I received a letter dated April 10, 2009 that the offer contained an error and only six months will be available at the 0% offer. I immediately contacted Capital One and spoke with Diana, who stated she was an account specialist located in St. Angelo, Texas, with operator number **. I explained that I had already mailed the check in and the account I was transferring from had posted the payment. She spoke to her supervisor and then related to me that they would "honor the offer and notate the account." Then on June 22nd, I received another letter from Capital One dated June 18, 2009. This one stated that I accepted "A recent offer to transfer a balance to the above referenced account under the following terms: 0% APR for six months."

Again, I immediately contacted Capital One at 800-833-6393 and spoke to a first operator, which I only got the operator number **. He was unable to assist me and transferred me to an account specialist by the name of John, who gave his operator number as **. He was unprofessional, rude and condescending. He told me that there is no way Capital One would honor the offer and then hung up on me! I then called back and spoke to a George, **, who I explained the situation and how John had treated me. He said he was sorry, but there was nothing he could do either. I do not understand how Capital One can make offers and then not honor them because of their own mistake.

From my experience, I am wondering exactly who has access to my credit information and what qualifications or credentials people must have to be privy to my credit file. How secure is my personal information? I am also wondering what constitutes harassment. I think 3 calls a day is excessive. I think subjecting people to the same scripted questioning they just answered a few hours ago is just deliberately intrusive. I think comments about my character and my personal intentions constitute harassment. I think outright errors in commenting on my credit information are irresponsible and liable. For example, the last agent I spoke with was listing my other creditors and said, "I see you were able to pay Chrysler. How can you pay them and not Capital One?" I've never have had any kind of dealings with Chrysler. When I called the agent on this, he said, "Well, it's right here. You are (name), aren't you?" It's pretty much calling me a liar. This is the second time agents have identified credit accounts that aren't mine.

We stated that while we will be paying the account off, we would like the account to not be closed by Capital One and would like it to remain open as length of good standing accounts on your credit history is important. Many, many people and arguments later, they insist they cannot possibly do this because we refused the interest rate hike (which never happened), asking to speak to a supervisor over and over. They refuse and say, "our supervisor will only tell you what we just said" Finally, we just told them, "Send us a final statement, take us off your mailing and phone lists and we will never ever be a Capital One customer again." We have good credit, have never missed a payment and only keep these accounts for credit scores. Lord knows how much they will cost us by closing our account.

This policy change will not be changed by Capital One and remains in effect throughout the usage of the credit card. I have tried to get help and there's no one out there for me, except hiring a debt-consolidation company to do it for me and I cannot afford their fees to do this. I am and have been on time with all payments and am trying my best to get them paid in full. Please advise me further on this matter as my hands are tied against this company.

I have never been late and always pay more than requested on the bill. I feel that I should have had the option of closing the account and keeping the rate the same as it was. In May, it was 14.90% and in June, it was raised to 22.90%. I respectfully request that you return the rate to the original amount as I was not given the same option as other cardholders. After numerous calls to customer service and after being told the reason it was raised was just because they could, I actually had to request that a copy of the original documentation be sent to me so that I could see what it was that they were talking about. The request for information was dated June 5, 2009. I had previously received a notice about cash transfers and I called immediately to make sure that it would not affect my balance or interest rate and was assured that it would not! How is it that I received that notice and conveniently not this one raising my interest on my account?

I saw on Good Morning America the other day that there may be recourse to companies like you taking advantage of consumers such as myself that honestly pay their bills and still get taken advantage of? I am hoping that someone will help me sort this out as I am going to send to anyone that will listen to me my story of how unfair your practices have affected a hardworking woman trying hard to keep one step ahead of falling behind! Please, at your earliest convenience, contact me either by e-mail or phone to discuss this very frustrating, unfair matter.

I immediately contacted tapeandmedia.com which is where the package was coming from to advise them I had not ordered anything and the cc used was supposed to have been closed months ago. I refused the package when it came, contacted Capital One and they advised they would have to do a fraud investigation. I requested if the account was still active and was told yes. I told them I wanted it closed and was advised it could not be until fraud dispute was resolved.

It was difficult to understand the person I was speaking with and the next thing I know I received new cards - which I did not activate. I received a letter on Sept. 14, 2009 that the fraud investigation had been resolved and I have been trying to close my account since then. Today, I have been on the phone since 4:23 pm and have spoken to customer fraud protection 3x, customer service 2x and to Investigative solutions dept 2x and now back to customer services and no one can close this account. It is currently 5:20 pm and I am still on hold. I am paying off and closing all my credit cards and, of course, my credit rating is going down.

Number one, it's not fair you have to let your customers know if you decide to charge a fee they're not aware of. So then I said, "So you can take the fee off." He said yes, but not this year. So my comment back was "So we're in a economy fall, and you just are now going to charge your customers more money because you as a company are not doing well." (There's no answer.) Then he said "I can't take the fee off" with a rude tone. Okay, then I said, "I need a number, and now, your manager's number so I can speak to them about this." He said there was no number or person I could speak to but that I could mail in a complaint and that there was no other way. But funny how I found the website to email a complaint.

Then he told me "Why would you think anybody in the office would care to talk to you and you think they are to listen." Really. Is that right. Well, if that is the kind of company I'm dealing with, then I will close my account and so will my family and friends whom I have already spoken to about how your service manager handles things. And also, I could not believe that because I am not a president or a certain card member who has no money limit, I wouldn't be set apart any different.

There had been an alleged mailing to me around May of 2009 explaining the new terms with opt-out instructions (of which I never received). Due to the economy, they needed this increase. It wasn't due to anything with my account. They hadn't changed my rates in over three years so they were due. Even though I had not received the notice, there was nothing they could do now (Jamie offered me a $50 one-time credit however). When I asked if there was any proof of the (required by law) mailing explaining the change in terms, I was told they didn't need any proof according to the law. I explained that none of my statements had warned of a pending change in terms. There was nothing on their website on my account under messages and alerts regarding a mailing or any change. There was also nothing on their website where they archive my last 13 statements regarding a notice.

I find it rather sneaky and deceitful that the only way that I would know of a pending change and my rights to opt out would be by a separate mailing where there is absolutely no possible way for Capital One to know I had, in fact, received it, or that I would know I hadn't received it until it was too late. Most other credit card companies do all these aforementioned things to inform their customers. It seems like Capital One is "banking" on the fact that a certain amount of these notices will not be sent/delivered and they will reap the rewards of customers being stuck with new terms that they did not and do not agree to (why would someone not opt out to a 40% increase in interest rates?). I was even told by their agent that he had received calls from other consumers with accounts ten times larger than me who said they did not receive such a notice and since they didn't get any satisfaction from their call, why should I expect to?

He also revealed that in previous years such changes were listed on the statements and that Capital One had decided to remove these notices from the statements for this year (this reeks of intentional deceit). I do not understand how this bank can be allowed to operate in this manner and for it to be legal. Their entire notification system seems suspect to me and is certainly set up to fail in their favor. If they were obligated to put a notice on their statements that an important change in terms was mailed out recently and I had not received the mailing, I would have called them. If I had not received my statement with the notice, I would have called because I would have been expecting the statement each month. If I am not expecting a separate mailing and have no idea it is being sent and it gets lost in the mail (or not sent at all through some error on their end), then how am I to be protected?

If their intent was not to be deceitful, in a situation where a customer did not receive their separate mailing, it would in no way damage them to allow a customer to opt out and close the account under the old terms two months later when the change was revealed on the statement by an increased interest rate. They intend to be deceitful. This is why they have opted to not mention a pending change in terms on statements any more (after all, people expect their statement each month and read them as well). They need to be held accountable for this practice and banks need to stop being allowed to unilaterally change a contract they have with their customers for no apparent reason.

They sent a summons to my son's house to appear in court to answer the debt now at almost $1700. They have never attempted to contact me at my new address or send me a bill with details. How can they justify this amount? 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 in the 100 plus court cases that day, in the majority of the credit card companies, most of the cases were from Capital One.

I have had other credit cards 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 the 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 without 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.

I again called Capital One. This time, I was really concerned since I was never sent a new card and it had a new account number. I asked them how it was possible that someone was using my new account when "I" didn't even have the new account number, unless it was an inside job. They assured me that they would take off the charges and get to the bottom of the problem. So they cut off all access to my account. I have not been allowed to see my account since February 2009 ("7" months now). They quit sending me paper statements, and they cut off my account from the internet. I have no way to make a payment. They call here every month asking for a payment. I made 2 payments over the phone, and I explained that I wasn't able to see my account, they told me since my account was behind they couldn't send me a statement. So I made payments, and still, there's no statement.

I finally refused to talk to them. My husband started dealing with them. Now for 5 months, they tell him, "You just need to make a payment, and we will send you a statement." He has more patients than I do, and he's also more gullible. It only took me 2 months to figure out they were never going to let me see the account. The last two times he talked to them, he was so upset and they babied him. "Oh, Mr. **, we are so sorry about your statement. But as soon as you make a statement, I will fax you a copy." We didn't have a fax machine, so the guy promised Loren that he would send it out within 3 days. A month went by, and they called again wanting a payment. It's Loren once again. But we're ready for them this time with a fax number they could send our statement to. Loren, being the good guy that he is, explained about the statement and that we have not been able to see our account for 7 months and that he had a fax number for them.

Loren made another payment and gave them the fax number. Not only did they not fax us anything, but they called 3 days later to tell Loren that he needed to make another $135.00 payment to pay all the late fees and fees for making the payment over the phone! Can you believe that. They will not allow us to make payments on the internet, will not send us a statement to make a payment, they will not let us see our account, and all along, they have been charging us late fees and fees for making the payment over the phone? We have filled out all of the fraud papers, twice. The same person never calls, so you have to explain every time what is going on. We finally figured out they don't care. All they want is the payment; they will tell you anything to get it. I told one lady, "Look, I need to talk to the same person I talked to last time, so I don't have to keep explaining this." She told me "That is not how we operate." Whoever gets your name, calls.

Capital One is a big company, and they are abusing their power. Have you ever heard of such a thing, not letting someone see their account, but they want you to keep making your payments, even though your account has been defrauded twice, once when you didn't even have a card or the account number to use. It had to be an inside job. How else could they use it? How many people would keep making payment on an account they had no access to and you know it's being defrauded?

Why would they set up a plan with us that will only increase our debt? We will never get out of debt, and the balance will just go up and up. It is now $324 over the limit ($3324 total due). We don't have that amount. My husband was out of work for four months, and we are trying to get caught up. I am so upset that they won't work with us. We have been good customers for eight years, never more than a day or two late (due to mistakes), always paying at least the minimum payment. We aren't trying to cheat the company. I cannot believe that this company is so money-grubbing that they cannot work with people in hard times, especially people who have had a good history with them. I think they are a disreputable company, and I would never recommend them to anyone, and will tell everyone how horrible they are to their customers.

I was approved while still on the phone. I am fortunate to have maintained a good credit rating. I called back as instructed 48 hours later and was "not yet in the system." So, I was told to call back in a few more days. I called again. This time, I was told that I would have to wait till I received my card, as they could not locate my account number but that this was a "personal" account and I could not have it in the name of Hollywood Film Chorale. I told them I did not want the card then. They said it was too late. It was already processed.

When the card arrived, I called again. They located the account, and again, they told me it was a "personal" account, it could not be changed, and that I would have to re-apply and cancel this card. I spent one hour on the phone, going from person to person; and the bottom line was that I would have to call back to telemarketing to request a small business card. That is what I had done in the first place. I am not hopeful of a proper result the second time. I was lied to by the original representative, who took my application.

I asked the agent if he could give me credit for some fees. He pleasantly said yes. The following were his words: "I will credit you 3 charges and you should get credited back $105; I will note this into your account." I insisted that the agent note it down in my file so there wouldn't be any misunderstandings when I called back. He assured me that he had noted everything down.

Today, I called back and the agent who took my call tells me that there are no notes in my file indicating the $105 credit. I explained to her what the other agent had done. She said that she could only credit me $35 and nothing more. To me, this is an abuse that a company can benefit from the consumers. This is a fraud. I have paid about $500 in extra fees and they only credited me $35. The manager did not help at all. She only apologized for the inconvenience. Whoever reads my complaint, I would really appreciate it if someone can get in contact with me. This is just not fair.

On the second credit card, the APR is 23.85%. I talked to a female. I explained the situation I was going through and she offered to lower my APR to 8%. I was able to joke with her about the Protection Plan. Yesterday, I was checking my credit card statement for I had brought my one credit card up to date. I called them and I explained to them what I had been going through and what I was told. They told me there was nothing they could for me. I explained to them what they had told me in my previous conversation and they said, "Sorry, we don't have any offer for you at this moment plus your account is closed." I told them I didn't need any offer. I was going through hardship and that the person I spoke to said I should bring my account up to date. They said sorry. I told him about the second credit card and the lower 8% APR the female had promised me. They said that they were sorry for what she promised, but there was nothing they could do and there were no offers for me and "sorry".

They would take care of the female I had spoken to as she had no permission to give me that offer of lowering my APR. I took notes that day when I called them and they log every call and record them. I told them they could go back and check that I was not lying. They said they trust me that I was not lying but "sorry".

After 3 months, I did look at a statement. My balance had grown by over $1,000 in fees and additional interest. My interest rate is now 29.4%! I phoned them to work something out. They were not budging. There's no consideration of my past loyalty and payment history. I must either A) pay $584 by 10/12 or B) make 3 payments of approximately $280 per month, and in either case, my rate stays at 29.4%. Ugh! This is the way Capital One rewards loyal customers. Not only am I a taxpayer who will be paying for their multi-billion bailout the rest of my life (along with my children and grandchildren), but now I also get gouged by their exorbitant fees and rate hikes.

My bill paying history is not without flaws. When you start to fumble, you are dead with their penalty expenses. I called them a few weeks ago, asking to close my account. I told them how much I could pay per month - $25.00. The person acted like my account was closed. I know that credit cards can kill you, so I called last night in order to make sure that my account was closed. He told me that it was not closed and that it couldn't be closed at night.

I called today at around 2:00 pm, and the woman told me that it was closed. I told her that I would be paying $25.00 per month and asked what my due date would be. She gave me a date in late October, which I can't remember exactly. I received a call a while later on the same day. It was a man calling to get a payment from me. I told him that I had arranged for it to be closed. He said that it was not closed and that I could not do that. I was angry. He handed me over to the fraud department.

I talked to a woman and then to the supervisor. I told her that I needed to close the account, and she said that I couldn't until I paid $125.00. (It may be $105.00.) I told her my situation that I did not have it and that I would like to start paying on it but close it. I told her that I would call my senator. Then, I found this site online. I know that I was wrong to get behind. I was wrong to stop payment. I was wrong to even take out a credit card with my income. Being on disability is no reason for not paying a bill that I have incurred. I am trying just to stop the action with them so that I can start paying on it.

They tell me that I can send $25.00 as long as I want, and when it hits $125 (or it may be $105, I can't remember), it will be closed and the penalties will stop. I am starting to go under financially. Can you possibly help me? Do I have any right? They have closed me out from my records online.

I disagreed, and went to check my previous statements to verify. As I assumed, they were incorrect about any payments being missed. I called back to Capital One, confirmed their assessment of payments that I had missed, and informed them that I had the statements right in front of me and I had not missed any payments. During the initial conversation with Capital One, I demanded that they remove my late fee, which they did, and return my interest rate to the original APR, which they did not.

I requested that if they would not lower the interest rate back to the previous rate, then I want them to close my account. I was informed that they could not, and would not return my interest rate, so I told them more than once to close my account. Of course, next statement comes, and my account was not closed. I called again, asked them to close my account. Again, the next month's statement arrives, there were new charges, and the account was still not closed.

I have spoken to Capital One 3 times since, but they still have not closed the account. I am not sure as to whether the inaccuracies in my payment history are an honest mistake with their OSS systems or a pattern of fraudulent behavior. My guess is that they are looking for any and every indiscretion and in certain cases creating what they need to justify their behavior. I know I cannot possibly be the only one that this has happened to.

Both gentlemen were rude and kept me on hold, anticipating I would eventually hang up. I was on hold long enough to get online and type this complaint to you all, and I am still on hold. The senior accountant came to the line and told me I need to make a minimum payment, and that's who put me on hold. I have now been on hold for approximately 9 minutes and counting.

Over the years and months, Capital One kept raising my rates a little bit at a time for years. Last month, it had reached a peak rate of around 10 plus percent. On my last bill, this company raised my rate 7% to 17.9%. I must have talked to 6 or 7 customer service agents in 3 different countries (India, Canada and US). None of these customer service agents could tell me specifically "why" my rate was significantly increased.

All of their standard, programmed answers were "because of the economic crisis." Not only could they not tell me why my specific rate was increased so dramatically, they added that some customers had their rates increased to over 30%. I was "floored." I immediately got online and paid off my $4.3k balance and cut up my card. I'll never do business with Capital One again and will never recommend this company to anybody. It was a nightmare.

We asked for our payoff amount and will not be using this card any longer. We were told what our payoff would be and that it was good to the end of the month. We had our credit union cut a check for that amount. We were told that we owed an additional $99 finance charge, which we paid along with our credit union check on the 24th of the month. Here it is three weeks later, and we get another bill for $32.45 for additional finance charges. This company is like the nightmare that won't go away.

How could I have gotten an over the limit fee if I was under the limit? Capital One said that they charged me a finance charge of $21 which put my account back over the limit, in turn charging me another $39 for an over the limit fee. The rep said that he could not remove the fee and hubby yelled and screamed and demanded that they take the over the limit fee off. Still, the rep said he can't do that. Hubby told the rep that we were going to call the BB on him and asked to speak to a supervisor.

After a long wait, we got a supervisor. The supervisor told me that I have to make at least $50 minimum payments in order not to accrue the over the limit fees. We said that even if we send $100, we will still get charged over the limit fees. It has taken a long time to try to get this card down under the limit. Then, in a matter of days, they want to start the process all over again. They're not going to have it that way! Hubby just became unemployed and I'm waiting for a drug and background check results so I can start working at a job I got hired.

If I would have known that we were going to give $215 to Capital One just for it to go down the tubes again, we wouldn't have done it. That money could have gone to other bills besides them. Also, they keep harassing me. They call at least 5 to 6 or more times a day to request money. Then when we give them money, they want more money. Never ever use that company. They are a fraud. I don't even use that card at all. I do not recommend them to anyone!

On August 14, 2009, Capital One took a payment from my personal checking account in the amount of $250.79. The payment was returned for insufficient funds and my bank charged me a $30. fee. Then, Capital One charged me a $39 (approximately) fee for invalid payment in addition to the $59 annual fee that I requested to be waived in the previous years.

Number 1, I am complaining about the rate hike from 9.99% to 17.90% that's without cause or notice. And I am penalized for being a great customer for over a decade. Number two, I am complaining also about a balance of $23.59, which is a bogus finance charge, because I received a payoff of $3388.82 from the supervisor, who guaranteed me that the payoff was good until August 31.

Bill called me the following day (9/16/09), asking how he might help me. He told me the rate increase was because of "current economic conditions" and not a reflection of my excellent credit or payment history. Bill said that "a lot of folks chose to ride out the higher rate" and that "very few people chose to opt out of the higher rate." He stated, "Our responsibility is over, because nothing was sent back from you. So we had no other choice." I told him I did not receive the letter, and that it was hard for me to believe Capital One would base such an important decision on the assumption that I had.

I called Capital One and explained the situation - they gave me a lower interest rate of 8.9% in their hardship program. I have paid on time every month. At the end of August 2009, my interest rate was raised to 17.9%. I once again called Capital One to tell them that since they instituted the lower rate, my husband was diagnosed with Multiple Sclerosis and we have had phenomenal medical bills and that if I had a hardship before - it is even worse now as my husband has an incurable disease and increasing my minimum payment by $100 a month is devastating to us - I was told that "these are very difficult economic times for businesses so they had to raise the rates."

When I told them that I wanted to work with them and really pay my bills and if they could compromise, the answer was, "we won't charge you over limit or late fees" for 3 months. Today, I received a notification about legislation to be enacted February 1, 2010. I believe my rate was doubled because this was the credit card's only chance to stick it to us, again. Capital One is raping us.

Also on the 26th, Capital One processed a payment from the same checking account to a Capital One line of credit account; but the balance on the loc was never actually reduced. It is difficult to track the accounting online, since the interface only displays credits/debits and the latest total, not a true accounting record of the account.

After many hours of phone calls and excuses about the online department not being open past normal business hours, I was finally able to have a representative send me paperwork in the mail that I had to fill out to dispute the MC overpayment. After 15 days, Capital One finally got around to crediting the redundant transaction back to checking account. Never once did anyone I talked to at any time show the least bit concern that their system may have had issues. For that matter, they attempted to assess a $39 "returned check" fee on the MC account, even though these were all Capital One accounts and it was their own error. I had to visit a local branch and explain the whole issue, so that the branch manager would send in a letter (to their own company) requesting the $39 fee be reversed.

The second issue has yet to be resolved, and Capital One shows no interest whatsoever in admitting that they had system issues during this period. I'm curious if anyone else has experienced account errors over this time period and whether Capital One bank is attempting to hide more serious events that may have taken place with their banking systems.

This is crazy. I don't even get statements mailed to me! I know there are plenty of people who are having a rough time paying the bills right now, but why should I be penalized for doing nothing wrong? I sent them an email back saying I will not pay this unless my membership fee is waived. I haven't heard anything from them since. I know this has the potential to destroy my credit but I can't let them take advantage of me and countless others who has to now pay for this.

A nice Indian man answered, and when I told him I wanted to know why it was raised, he started to read a script about the state of the economy. I knew it was useless. I told him to stop and that I was aware of my country's economy and he could tell Capital One that as soon as I was able, I would pay this account off and not do business with them again. Not once did they ask me about my economic state.

In the next months to follow, the charge was still there. I spoke to several managers and each one has given me a different response. The last response I got from Capital One is that they can no longer help me because it has been too long for them to further investigate the issue. I was lost. I had no idea that there has been a problem because when my account was adjusted back in February, there was nothing pending to my knowledge.

They say that US 1 Bank was in violation and that company I found out went out of business in March. I am trying to find out how I can go and contact their bank because Capital One will not help me further and I don't understand why because I did not receive any letters. And when I spoke to Capital One, no one told me that I already was past the complaint date of Sept 2 '09 in a letter.

I had a 2.9% APR on a balance transfer that was almost paid off. Then a few months ago, I received a call saying "Use your card, and we'll give you 7.9% APR on purchases." I had about $1000 balance left to pay off, and unfortunately, something came up. So, I used my card for another $1500, and now, I'm trapped paying an APR I never agreed to and cannot lower. I'd transfer to another card. However, nobody is offering anything right now because of the economy.

In either late July or early August, I noticed that my monthly payment had risen from $683 to over $2,000 a month and the balance on my $70,000 loan was around $84,000. I went to the bank to find out what this was about and found out it was the insurance issue. The personal banker spoke with someone and assured me that they had received the information that they needed and it would be taken care of. About three weeks later, my balance and monthly note had not been adjusted so I went back to the bank and got a different personal banker. She was unable to reach anyone because of the time of the day, so my agent faxed her all the information so she could follow up the next Monday.

Today, eight days later, I looked online and saw that they took over $2,000 payment instead of the $683 payment. I immediately went back to Capital One and met with Nakeska **. I explained everything to her and told her I was not leaving until this was resolved. Although it took her over 45 minutes to get some from Capital One's insurance department to answer the phone, she finally got someone. This person explained that my loan stated that I was in flood zone B and my policy was written for flood zone X. Since there was a conflict, they could not accept it even though I had flood insurance! At the time I purchased my home in 2003, it was zone B. The maps had been revised (probably after Katrina) and I was now in a zone X.

State Farm had sent them a letter explaining this and also stated that the rate is the same for the two ratings, so there was no problem. I do not understand how and why Capital One could try to charge me over $15,000 for a $300 policy even though I already had flood insurance. I am still working with them and hope to get a full recovery of my losses, but I think it would be worth investing how many others have gotten taken by this tactic.

I suggested to waive the fees for two months or lower the interest. I was told that neither of these things could be done. I told them that if we don't work together I will not be able to keep paying each month. I was told, "not my problem." A few months later, when I did stop paying, I was getting phone calls, about 10 a day. Then in February of 2009, I tried to get them to work with me so this wouldn't hurt my credit. I was told that I needed to make a $300 payment before they could do anything. I told them, "If I had $300, don't you think that I would have been making my payments?"

Once again, I received no help and no one would work with me. Then, I was informed that my account had been sent to collections on March 10, 2009 to a company named GC Services Limited Partnership out of Houston, TX, but I was still receiving monthly statements from Capital One, which I do have. Then in May of 2009, I cancelled the agreement that Capital One and I had because it was coming up for renewal at the end of May 2009. Then, I received another letter from a different collection agency on May 11, 2009.

Remember, during this time, I was still getting monthly statements from Capital One. This letter was from NCO Financial Systems Inc. During this time, the balance has gone from $2418.11 to $2631.54. They are still adding interest and all their stupid fees. Then on August 27, 2009, I received a letter from Capital One stating that they have charged off my account and the balance is $2892.67 and my account is "eligible to have the Annual Percentage Rate reduced to 0% provided you make arrangements for an acceptable repayment plan."

So now I am really confused. Who do I pay, if I am going to pay this back? I called and they wanted two payments of $900 and after I told the supervisor that there was no way I can do that, he started yelling at me and told me that he did not care about my mom or me or my credit. That was when I said, "okay, we are done; goodbye," and I hung up.

My credit has now been damaged by Capital One and I don't think they should be allowed to turn my account over for collection without giving me proper notice. If NCO will not accept my payment arrangements, I may be forced to file bankruptcy or some kind of debt relief, further damaging my credit. I can't pay them the full amount due. I have been laid off from my job because the company is moving to Mexico.

I have sent the collections people to show when the account was open, what was the credit limit that they gave us, when the last statement was sent, what was the amount and check number of the last payment we sent, and why we were never contacted by mail or phone. All I got was the account number and amount due since the card was charged off.

I wrote to another collections person who had taken over the collection. I asked her the same question and have not heard from her. I talked to my attorney, and he told me that the statue of limitation in KY is seven years. I asked him why they would wait for so long to say the account was due. He said that they could. If that is the case, then Capital One can open an account for anyone, send the statements, and then quit. Just like us. We think that they were paid off but no one will provide us with anything we asked for.

What is to stop Capital One to do that to others? Bill paid was off then sent over to collections, and they said that money is owed but they not prove it. I know of someone else, who had insurance on his to have Capital One to make payments if he was not working or sick. They told him sorry about his luck. His was sent to the same collections as mine, and he has been summoned to court. Since Capital One filed for bankruptcy, they are doing everything illegal to get money from people.

I just got another statement from them saying I owe them another late fee (my bill is not even due) and another over the limit fee. I called and they told me because my payment of $50 did not cover the $76, they added more fees (another late fee and an over the limit fee). The rep told me today that even though they removed the $29 charge, I still needed to pay what they told me to pay or they were going to keep adding more fees. In addition, he said that even though my account is closed, they can and will continue to add over the limit charges.

Here's the main issue! Capital One sent me a questionnaire to fill out and requested that I return it with a letter explaining why I should not be charged for the single ticket transaction that I canceled. I have done so, twice so far! Each time, the charge reappeared on my statement, putting me over my card limit with late fees and interest accruing. The reason for this they say is that my explanation was not clear, but when I asked for specifics beyond the information I've submitted, I was told to resubmit my letter with no specific direction. It's clear to me that Capital One is simply giving me the runaround hoping that I would just pay for the canceled ticket. By the way, I have just my hours for the second time in 12 months.

I am now submitting my reimbursement request to Capital One for a third time, but I would like for Consumer Affairs to intervene on my behalf. These are very hard times for me. I've been a good customer of Capital One for many years paying my bills on time and I believe this is simply wrong for them to apply this charge to my account when I have met their requirements by detailing the nature of this issue in good faith. There's no reason why would I purchase three airline tickets for two people to fly to the same destination on the same day. In closing, I have documentation supporting my claim in hopes of having Capital One not only remove the charge of $139.20, but all other charges that I have incurred related to this matter, including over the limit fees and interest. Thank you in advance.

Furthermore, after speaking to your collections department when they called me on Sunday 30-Aug. at 8:54 p.m., I asked for the papers again to be sent to me via email and regular mail. I was told without payment, she could not do that? I called today, 31-Aug, to try to rectify this situation and was not successful. Whereas, I asked to speak with a supervisor, the supervisor was conveniently not in. I left a voice message with my number where I can be immediately reached. This was at 2:00 today. I will wait until 5:00 and hope this call will be answered. As for the service and support, I doubt this call will be answered today. Too bad, you seemed like a respectful banking organization. This is not the way I anticipated starting a banking relationship in these economic harsh times.

Then I went to my bank and tried to close the account and open a new one. Well, I got the new one opened but had to wait for some transactions to be completed and disputes filed before the old one was closed. I never used my new card online except to change my information with Cap One so I could make my payments. I made a payment to Cap One with my new account and the next day I had a $24.95 debit charged to my account by some site called Blazing Key Words. Now this was charged to my account with my debit card number, not my account number. Cap One is the only one who has my account number, but they don't have my debit card number. So how did this place get my new number? I called my bank and they are going to file another dispute, and they told me to throw away my new card as it would no longer be good as they were sending me another new one. What do I do?

Consequences: I have had my cable company add on late fees to my account because of the overdraft, late payments on my insurance. I had to not go to my classes, had to beg rides to work, extremely stressed out, and NSF charges.

I called Capital One hoping to consolidate all of their debt into one loan and extend the term as far as I could in order to keep my perfect credit history and to make sure they got paid. I was told they will not refinance any loan or outstanding debt but would offer me one month skipped payment which is not going to help at all. I had worked in banking for 12 years and we had always told our customers to call us before a problem came up and it could be worked out and I am shocked that Capital One does not care about me or my financial situation.

I could have just filed bankruptcy but my attorney told me to work it out with Capital One because they would rather work it out than have that happen. Plus, I believe in paying my debts and I always have and I don't want to cheat anybody out of what is owed.

Since this time, I have emailed at least 3 times and called them 2 or 3 times to protest this interest rate hike as being unfair as they made the error. Their standard answer was they (the person answering me) didn't have the authority to lower the rate. On one email answer, they gave me another number to call that might be able to help me. When I called and went through the "push one for, etc., etc.," I finally received a recorded message saying Mr. so and so was out of his office and to call at a later date. I did reach this number, 1-800-887-8643, last week and they gave me their supervisor Gladys at **, her special badge number being **. She listened and told me that I should just hold in there because my rate would go back down this November because I had maintained such a good record since this problem (one year ago).

Since Nov 2008, I have paid online so this should not happen again. She also, for the first time, admitted that it was their error that caused the interest rate to jump but she was unable to correct it until one year had past. I, unfortunately, carried a large balance (between $4,000 and $11,000) so we are talking about a lot of interest. I had not asked for the interest paid in the last year to be returned to me, only to lower that rate to the previous rate before November. Now I am really upset that I should have to pay so much interest and it wasn't my fault and they know it. I dipped into my stock portfolio and as of today, have paid $10,000.00 on this account and will close the card as soon as I received final billing.

I have been a card member of Capital One for 10 years with this one card, but do not wish to remain with them. Gladys told me I would have had to complain within one month of the error in order to have it fixed. It took me longer than that to figure out what they did incorrectly. If anyone has any ideas what I should have done, please let me know. Right now, I am furious and don't even want to think what's in my pocket!

I asked what if you didn't get the notice, did they post it on their website or put an urgent message on the billing statements? I was told that I missed the July 28 date to request to have my account closed at the 7.9% rate. So, I had her to close my account (17.9%!) and expressed my anger of being penalized for paying my bills on time and having a good credit score. I think this is unfair that people who pay their bills on time have to suffer the consequences of the ones who don't. I will never do business with Capital One or Chase Bank. (I believe they just purchased them.)

Many days passed before I received a letter explaining, "Declined Reason - the amount of the balance transfer request exceeds the available credit on the account." This is a bad way to find out if balance transfers go through. I think Capital One should pick up the phone and touch base with the customer and let them know the status of an account, not wait many days and find out through mail. I was able to find another company to handle the larger amount, no thanks to Capital One.

Melissa, the account manager, advised that all customers are being declined to close the account and return to the previous rate because the opt out date passed, even though I am in possession of the change in terms stating my promotional balance would not be impacted. The result is, my payment increased from $175 to $258, which I cannot afford. I have excellent credit and this is my only credit card. This account will likely go into default and ruin my credit because of the increased rate and payment.

Not only that, I had a decision to make. Do I pay Capital One or do I put food on the table? Guess which one I chose? I think what upset me most was their arrogance. I'm glad to see that I am not the only one that they are doing this to. We should all stop making payments and let's see what Capital One does then.

I told the representative that I had not done anything wrong to deserve this. I had frozen the card years ago and could no use it (balance transfers were the only thing on it) and I did not receive any notice about changes through the mail! I was told pretty much it was my tough luck. I would have had to cancel the card before Aug. 2, 2009. This was the 22nd. There was nothing she could do. I told her if I had received the notice, I would have definitely cancelled the card. It was not used and was frozen from any activity. I am so angry that there is nothing I can do. Because I did not opt out of the changes due to not getting this piece of mail, I must give $100.00 a month to this credit card company.

I haven't gotten anything till a few days ago about it and it said if I didn't pay it in full, they will turn my name to someone and tell them I can't open an account for 5 years. I had no idea what just hit me in the face. I can say for sure that I am very ** and I may end up suing Capital One. I hate that they treat people the way they treated me. Instead, all of a sudden, I owe money that I didn't spend which if I have to, I will contact the state governor who I have met and know really well. I am very ** that as a bank, they surely don't give a ** about the way they treat people. They don't need to have Capital One banks or people to work if they are just going to treat them like **.

We had originally opened this account with a 4.99% rate that was (at the time) guaranteed for life! When they changed the rate a few years ago, they gave us the option to close the account and keep the original rate or keep the account open and take the new rate of 8.9%. Needless to say, I wish now I'd chosen to close the account then. Is it legal for them to charge these loan shark rates for transactions that occurred under a different rate agreement? I received the notice of the rate increase, but skimming it, thought it only affected future transactions.

Sam also mentioned this letter and recommended that I do not close my account because if I do, I will not ever have the option to lower my APR. I tried to explain to Sam that I did not get this letter that he spoke of and asked if there was anything he can do. I also explained that I have been a loyal customer for many years and not late with my payments but he did not budge. He told me that there is nothing he can do and that he knows for a fact that Capital One sent the letter to me and he is 100% sure that I received the letter and that I must have thrown out the notice. I was outraged by his statement and asked him, how the notice was sent? He said, US Mail. I responded, unless the letter was certified mail or delivered by a carrier, how could you possibly know that I received it? He told me there are no mistakes in those mailings. I told him I wanted to write and complain to Capital One. He gave me the address and basically told me I was wasting my time.

That same day I wrote to Capital One explaining my situation and closed the letter with the following: I am writing this letter to ask that you let me close my account and keep my old APR of 9.90% and refund the difference in the APR already charged to my account. I have been a loyal customer to Capital One and pay my bills on time. I do not understand the reason for this rate increase let alone only one notice being sent to me. I find it a little suspicious that there is nothing that can be done about this mailing/delivery error when Capital One largely benefits from the error.

Capital One responded saying that I cannot decline the changes to my account in writing because the deadline for declining changes was on April 17, 2009. Since they did not receive my request by that date, the terms of my account will change as explained in the written notification I received. So basically, they will not admit to the fact that I did not receive the notice and I am stuck with 17% interest rate. The funny thing is that I have not used the card for months prior to this because I was trying to pay down my balance. So had I received this notice prior to my increase, I would have had no problem closing my account and keeping my lower APR.

No one can still tell us why the check was withdrawn (one day after it has been pulled from our account, shouldn't they expect us to call and find out) despite their claim it would take a few hours. There is still no answer. We are on vacation and were planning on using the money that was in our account. We are upset that everyone we talk to at customer service cannot tell us anything, or do anything for us. I feel that Capital One is seriously hoping that it we are passed from one person to another, none of them able to help we will give up.

I did not do anything wrong. I have lost day of vacation. I had to borrow money from my boyfriend's parents or else had my account overdrawn and had five $35 overdrafts hit my account (five things posted to go through today total $543.93, overdrafts would have totaled $175, total would have been $743.93). I have spent five hours on the phone trying to get an answer. I cannot believe that if they sent a check over a week ago, issued a stop-payment on it 5-6 days ago (I was told that is what they did), and had the money removed from my account a day ago, why no one at customer service cannot give me a reason without having to research it for 24 hours? No one could help me, no one could tell me, I am frustrated and I feel helpless. I may have to cut my vacation short because of this.

A few days later I received another letter telling me they had not received the forms and it was being re-billed yet again to my card. After actually dozens and dozens of calls to Capital One and the dispute center (in India), spending a couple of hours several times a day, someone in India named "Kevin" (I'm sure that is his real name along with the 50 other "Kevins" sitting in a small room) told me the forms had been received and the letters/forms were auto-generated on a time schedule. But still another form arrived on 8/17/09 to dispute this claim - same forms again. I called at 8pm till 11pm talking to more Kevins in India and now the Philippines. I tried again this morning for about two hours, but no one could speak enough English to understand or explain what I needed to do. So, I tried to cancel my card of 15 years. Guess what? I can't cancel because, you guessed it, I have a dispute open!

I found out by viewing my credit report in 2007 that one of the accounts had not been closed. The account had also been access with a membership fee and protection insurance fee. I called Capital One and they removed the charges. They would not show the account as of being paid off in 2006 but instead they reported it as closed in 2007, with being past 30 days late.

I checked my credit report about 30 days later (late November 2007). At this time, it did show as being closed. I checked my credit report today (08/17/09) and the account is showing as open again. I called Capital One and they said they show it as being closed. The lady I spoke with (Laura) said it was the credit bureau's fault because sometimes, it takes them 10 years or more to update their system. I asked Laura for the information to submit a complaint to her company. She told me she would submit the complaint but I could not get a copy of the document. It took me two hours to get an address from her to submit a complaint. By the time she decided to give me the information I asked for, I had found this site. I have proof of when and how these accounts were paid off.

I've made double payments on my account nearly every month since October (with the exception of a few months, when my family was struggling financially). I started getting notices from a collection agency in March, saying that I was behind in my payments. I've never received any notices from Capital One saying that I was going to be sent to a collection agency, and I no longer receive monthly statements reflecting my remaining balance.

I have been harassed by collection agencies claiming they are calling me on behalf of Capital One, and want the full amount of my final pay off for my vehicle. I am sick of it. I've been taking food out of my son's mouth just to make double payments on an account that's supposed to be in collections. Since March, no one has come to repossess the vehicle, and the company calls me at least 5 times per day! Every time I try to call Capital One to ask why I am in collections, I either get disconnected or sent to the collection agency that I am claimed to owe. I want to know why I am paying a collection agency on behalf of Capital One when I never received notice of being sent to one. Is this a legal matter that requires me to seek an attorney?

I asked how they could charge me for paying what their website said I owed. The man had the nerve to tell me the bills mailed and the internet isn't always accurate. The only way I will get an accurate amount to pay is by calling Capital One before I make my payment! How is this legal? Is there is lawsuit out there addressing this issue? I've been charged $78 because they lied to me about what I owed. I asked the man, "Are you serious? Can you honestly tell me you can say I owe one amount, when in reality I owe more, and then charge me a fee?" He said, "Ma'am, the only way you're going to get an accurate amount of what is owed is by calling before paying your bill." If that's the case, we should all bombard Capital One's call center to question what we owe.

He offered me the following: My payment for July would be waived and a credit of $39.00 would be credited to my account to cover the membership fee as a courtesy. Beginning August 29, 2009, I would be expected to pay $22.00 for 3 billing cycles. All finance charges, over-the-limit fees and late fees would be credited automatically. My APR would not be affected, remaining the same at 17.90% and my balance for August would be $817.84. Therefore after three billing cycles, I would be back to my credit limit of $750.00 and my "normal" November minimum amount due would be $22.00, therefore bringing me under my credit limit and placing me back on track financially with my account. I accepted these terms feeling proud to be a customer of Capital One.

On August 13th, I received a letter from Capital One stating the terms of our agreement dated August 6, 2009. In the letter, it stated that my finance charges, over-the-limit and late fees would be credited for three billing cycles. There was no mention of the assurance Edward gave to me that my APR would not be affected, but I did not worry since he seemed honest. On August 14th, I logged on to my account with Capital One to obtain the date my payment was due to make sure I had it correct on my calendar and that the agreement was reflected on my invoices. I noticed immediately that something was very wrong, the following reflected on my account summary:

My balance was $838.67 instead of $817.84. My APR was increased from 17.90% to 29.4%. My minimum amount due was $83.00 instead of $22.00 and there was a credit of $29.00 on August 6, 2009 for the late payment fee, but no credit for the $20.83 in finance charges. On August 14th, I contacted customer care and the first woman I spoke with said that she could give me a credit of $39.00 if I paid $109.00 with her today. She had no information nor education on their policy with their own hardship program even though she stated Edward had written every detail of our arrangement. I asked to speak with a supervisor, in which time she hung up on me.

I called back to speak with a male, who I could not understand his name, and he kept calling me sir. He too was uneducated about their own hardship program and confirmed Edward stated every detail of our agreement, and also that the "Hardship Department" would be able to make the adjustments to my APR and credits to the account. At that time, the department was closed, so he advised for me to call back the next day. On August 15th, I called customer care again to be transferred to their Hardship Department. I spoke with Dove, who stated that she too saw the notes on the account confirming my arrangement. However, she continued offering me a payment plan of the following: Beginning August 29, 2009, my APR would be reduced to 9% and my minimum monthly payment would be $34.00 for 6 months. However, after that time, my APR would be raised to 29.4%.

I told her this was unacceptable because I could not afford anymore than what I agreed with Edward, $22.00. I also disputed the raising of my APR in which she advised me I was two days late on a payment once within the past 12 months and since I did not make any payment in July, that made two late payments. Therefore, my APR was increased for at least 12 consecutive months pending if my payments were made on time. At that time, they could review my account and I might be eligible for a rate decrease. I explained to her that this was unacceptable and that I wanted them to honor our original agreement that I made with Edward. At that time, she transferred me to Customer Relations where I spoke with Henry.

After explaining the situation again, he advised me Edward misinformed me and that the agreement was null and void because I did not make my July payment. I then asked why they credited the late payment fee and also sent me a letter stating the agreement in writing. He said it was all misinformation and the letter itself was sent in error as it was computer generated. He then told me he could not assist me with any payment plan because my account was now considered late and if I paid $22.00, then he would be able to make the same arrangement with me. However, my APR could not be decreased. He said the Hardship Department was the only ones who could provide assistance since my account was late. I declined his offer and asked to be transferred back to the Hardship Department so I could review their offer Dove made to me, only I was going to insist my APR to just be changed back to 17.90% and my minimum payment to be $22.00 a month.

I was then transferred back to the Hardship Department and spoke to Colin, explaining once again my situation. He advised me they could make me no offer. I told him about the offer Dove, from his very department, had just offered and he then recanted and said he did see that offer was available on the account. Before I could even discuss the situation with my APR and lowering the monthly payment, he advised me that even if I accepted the offer, it would not actually be applied to the account because of the new laws in place for credit card companies. He said Capital One was struggling financially and no matter what payments I make, my account would be negatively affected one way or the other because the offer was not a true offer, and that if I had accepted, it would have been done "without my knowledge" because it is "not as profitable for them to honor such an offer."

I then asked if I was misled intentionally by their company and he said "yes." I then told him to close my account, that they would not receive any payment from me since they were defrauding me and not holding their end of the original agreement and that I was going to file a complaint which in turn I ended the call. I feel that Edward knew exactly what would happen if I did not make my July payment and intentionally told me to not worry about the payment and defrauded me by placing me on a bogus payment plan. Why would they credit late payment fees if a late payment would void the original agreement? Why did they credit my late payment plus send me a hardcopy letter about the agreement after I was "removed" from the program in the first place? Also, why would Dove offer me another bogus payment plan if they were not going to honor it anyway because it is not as profitable for them?

I feel the company knew that by not making the July payment and advising me that it was waived, they could not honor it without my knowledge raising my APR and making the excuse that it was all because of missing the July payment they told me was waived in the first place. Even their own employee admitted they do not honor such agreements and the customer usually has no idea that their payments mean nothing.

One of their reps even had the nerve to ask if my husband had a vehicle I could sell to pay the bill. I was already devastated. I had just lost my husband of 35 years, and these people continued to harass and harass me. I finally found the statement. My husband had taken a card in my name without me knowing it. He meant well, but he had been extremely ill for some time. He had been in and out of the hospital for the last 14 years, and finally, he was unable to work at all. He was a retired police officer and investigator. He had a major heart attack in 1981 and was forced to retire as a police officer. He became an investigator for the casino industry and worked another 17 years. His health was so bad that in 2006, we had to sell our home and bought an RV, which we lived in. I had no income at all since 2006, as I was put on disability but did not receive payment until September 2008. Unfortunately, my husband had passed the month before.

I had contacted Capital One and explained what had happened and that I did not take a card out. I requested a copy of a signed contract showing my signature, and they sent me a form to fill out stating that my husband had committed fraud. I sent it back filled out, even though I felt it was an insult to my husband. He was my life. I received a letter in October 2008 stating that I was responsible for the account anyway. This was sent by Sheryl from Customer Fraud Protection. I again contacted them, requesting a copy of the contract. I was told "Don't worry about it." Now, I have received a letter from a law firm stating they are representing Capital One and their client is willing to make a deal. The only reason I even knew of these people in the first place is they had left a message on a cell phone I do not use unless I am traveling alone. I had only a few minutes left on it and caught the words "law firm" and their number, which I immediately called.

I was informed that they had sent me a letter on July 13, two weeks prior. I verified the mailing address, and they had the right one, which they stated that Capital One had given them. But apparently, they failed to tell them that my husband had passed. I had not had any contact with Capital One since November 2008 while in Nevada at my daughter's home. I informed the law firm of Patenaude and Felix in San Diego that the account was not mine. I also told the representative, Melissa, that Capital One had told me to not worry about it. I also asked why Capital One would issue a card to someone with no income at all. I still had not received the letter by July 30. So I called her again and told her I had not received it. She stated that if I had not received it by August 3, to let her know and she would send me another one. On August 4, I contacted her and left her a message that I had not received it.

On August 7, I called her again and she stated that she had not gotten my message and that they had sent the letter on July 14. She also stated that the letter had not been returned, so they didn't have to send me another one but that she would see if the attorney would do it out of the goodness of his heart. Right! She also stated that my husband had committed fraud, whether I liked it or not. I finally received the letter on Saturday, August 15. The letter stated that I have to contact them right away to talk about a settlement. I don't know what to do. I cannot afford to pay the bill. My husband's physicians felt that he was so ill when he did this and that he very likely did not realize what he was doing. I am on disability. Capital One did not want me to make a small payment until things were straightened out. I did everything I could to cooperate. They did not want that. Now, they blindsided me with this.

I am desperate and don't know where to turn to. I had to borrow money from family, just to make it through the first months after my husband's death. I am going to grief counseling, trying to do things right. Capital One is one of the most dishonest, sneaky, shameful companies in business and should not be allowed to continue. I know they got bailout funds for their parent company for the sub-prime mortgages they handed out like candy. How about the rest of us? My husband was one of the most honest, decent, brave men I have ever known. He fought for the last 14 years to be here. Now these people want to take everything away from me. They want an answer right away. What do I do?

The call ended, of course, with absolutely no resolution and little, if any, concern on their part. I feel as though I was lied to and disrespected, and I am now being cheated out of my hard-earned money. My accounts are current and will remain that way, but I'm bearing the brunt of those who cannot or do not pay their bills.

I can hardly believe that a company can harass someone, who doesn't even have a credit card from their company! Capital One is one company I will never get a credit card from! They have bad business practices! The people they have doing these calls are from India and you can't get one you can understand! In my opinion, this company is a rip-off for honest, hardworking consumers; and they prey on people who need them to build their credit! Shame on them!

They refused to take the charge off my card again because of insufficient information. I called again and again, they told me I would have to write one more letter. For $30, I didn't bother, but I was really angry because we are supposed to be protected from bogus companies and scam artists when using a credit card. Not the case with them. Second, I received a letter in March stating due to the economic downturn, they were raising my interest rate from 7.9% to 17.99%! I was livid! I called and was told I was speaking to a supervisor. I said, "I just received a letter that says due to the economic downturn, my interest rate is being raised from 7.9% to 17.99%. Are you kidding me? You financial institutions are the ones who created the economic downturn! And now you want me to pay for your stupidity and incompetence? There will be a lot more people not paying their bill including me!" They said they would leave my rate at 7.9% for 10 months. At the end of that time, I'll call again and if they refuse to extend my rate, I will cancel my card. Did I mention I have excellent credit?

If there was a possibility of ever raising the interest, why did they promote "for the life of the loan"? I hate liars! Can anything be done about this situation? As far as I am concerned, the interest rate should be returned to the original 7.99% and the additional finance charges I paid credited to my account! If not, I will move the balance to another card with lower rates and cancel the Capital One card. I will promote the idea to all to never get a Capital One Credit Card! I am now paying a finance charge of $90.64 out of a $200 monthly payment. The $200 is more than the minimum payment. Almost 50% now goes to Capital One.

Another time I realized my payment wouldn't arrive on time in the mail (now knowing the above information) and called to make a payment over the phone. She said I couldn't, but I could do so online. I tried but their website was not functioning so my bill was late even though I tried to make every effort to pay. I pay off my card in full every month and consider their practices an outright lie to be an insult to those who are trying to be responsible.

Practically every step of the way, Capital One made egregious statutory errors, for which I can recover double damages for interest rates, late charges and also for attorney's fees. One can also sue for actual damages for emotional distress and more. I've had to spend so much time and energy on this and the incessant phone calls and non-resolution of this matter affects my family as well (my file is more than 12 inches high), but I'm not backing down - even though Capital One keeps calling me 2-3 times a day and I keep telling them that their calling is not going to change my mind about paying the disputed bill for shoddy services I received. Therefore, the dispute.

Basically, they expect me to pay for the shoddy and falling apart landscaping services I received, then pay another company to redo the existing mess. You can tell that Capital One didn't even bother to read any correspondence or look at any photos and instead made a comedy of procedural errors. I received the same letters everyone else did. Capital One customer serve reps in India even had me reading the letters Capital One sent to me back to them on the phone. They flip-flopped the disputed charge back and forth on my account three times, ultimately slapping it on the last time after 5 months - way out of statutory limits and giving me ample time to pay the other company (the second opinion letter I provided at Capital One's request) to fix the work, because by then, I thought the ruling was in my favor and I was clear to proceed.

I have never been late on any payment of any kind in my entire life (30 years of creditworthiness), until now, simply because I have refused to pay, and rightfully so and on purpose. Had Capital One seen beyond their own greed, they would have realized that had they settled the disputed charge in my favor, like they should have after my providing more than ample proof, that I would have continued to charge on that card. I even said I was going to close my online banking account because I was concerned about their non-responsiveness and lack of handling of my case.

That didn't wake them up, so I subsequently closed that account and deleted my banking information, especially after a Capital One collections rep was so bold as to want to initiate a payment himself to my credit card bill by making an electronic withdrawal from my bank, which he named. Calling me on the phone with my banking information and with that kind of request just boils my blood and is very invasive.

Now, they want me to update my Quicken software (why?) although the account is closed. I can't believe any consumer protection agency (and what about credit card reform?) in this country is allowing Capital One to continue in this manner. I'm innocent and have been a target of their greed and their stalking my credit report. This is only a small piece of the story. I, too, am looking for personal resolution as well as class action. Hello, is anybody out there? Sorry for any mistakes or ambiguities in this post as I'm tired of spending my time and energy on this matter and cant bear to re-read this another time.

The real problem is that we purchased the car on Nov. 16, 2006 and the first payment was due on the 31st of Dec. 2006, 45 days later, so my payment should have been Dec. 15th or 16th, not on the 31st that made me 15 days late before I started. I need help to figure all this out. I asked them if I am 73 days behind, can't I just pay two months payments and then the 13 days and be current. They then tell me it is not possible. They want me to pay two months payment and then give me two months extension so I would pay twice and the loan would go out more. Please help me.