Capital One Reviews

I am at wit's end dealing with Capital One over a credit card issue. Because I get paid once a month, I like to pay all my bills at the begining of the month. I made my payment in December but it arrived before their statement cut off date by one day and got posted to the November statement. This caused them to show I did not make a payment in December. Because of Christmas, I did not have extra money to make a double payment. I called them early in December and pointed out that I did make the payment and it arrived early and I could not make additional payments that month. I told them I did not want to show a late payment on my credit. They told me they could not do anything at the time and told me to call back in January and maybe they could make the adjustment then. I have followed back up with them. The result was I have been charged a $39 dollar late fee and they raised my interest rate from 4.9% to 28% and charged me $111 dollars in additional interest. All of this because the payment arrived early. Despite dozens of calls, this remains unresolved and I am at a loss as to what to do.

On Noverber 8,2007 the payment to payoff this credit card was received. There was an overpayment of $142.76. On 11-24-07 a request for refund was submitted. The statement received today, Janurary 9, 2008, shows there is still a credit balance due me of $142.76. When I called the customer service number I had to go through three people transfers to talk to the Account Manager who advised me that the computer rejected the request and would have a check sent to my address within 7 days plus mail time. Aside from this final straw there had been several items which were not satisfactory in dealing with this company thus the closing of the account.

I have a Mastercard and Visa with Capital One and never had any problems. To better my credit I tried to close my account in October. I was told that it was closed and that all I needed to do was pay off the balance. I paid but they continued to take insurance payments out. CO then told me I had to have a zero balance for 30 days.

I received a $39.00 late fee that posted on my Dec-Jan statement. When I called to dispute the charge, I was told that because they posted my Nov.-Dec. payment EARLY they were charging me a late fee. This does not make any sense and they refused to credit my account.

Capital One deception on member fee was never disclosed anywhere even in the fine print of the initial credit card offer and believe me I scrutinized this thoroughly as I do on every offer prior to applying for the card. I was incredulous to receive the credit card and discover that the credit limit was abhorrently low - $500, hardly worth the effort. I called customer service to request a cancel on the card but stupidly let myself get talked into keeping it. Upon return from a holiday vacation I found a Capital One bill for the member fee of $39! I had not even used the card yet and was assessed a nearly 8% fee! I attempted to call customer service to dispute the charge and review the customer bill of rights but was unable to reach a live person nor was I able to access any of the legal information from their website so am forced to take the time to write a letter! Who has the time to wait for a response via snail mail and the apparent run around is incredibly annoying. I wouldn't be surprised if they charged a monthly membership fee for the 2 months they require the card to hold a $0 balance before they will allow it to be closed! It sounds suspiciously like an elaborate scam to nickel and dime unsuspecting consumers.

Having been a loyal credit card customer of Capital One for several years, I received an offer to enjoy a low, FIXED 0% APR for 18 months! There was a 3% transaction fee. I borrowed $22,000 on Oct 30, 2007, to pay down a higher percent debt, meaning I assumed a new debt of $22,660 for 18 months. Beginning in Nov 2007 I've been paying $500 each month, well above their minimum requirement. In the meantime, my monthly charges on the credit card (averaging $1,581 per month over the last 11 months) are paid automatically by my bank, in full, and on time. It was agreed when I took out the loan that the two accounts would be treated seperately. Today's statement included a so-called finance charge of $38.46 which I protested (to no avail). I want this charge removed, now and forever, as long as monthly purchases are paid in full and on time. They are giving me some double-talk about charges being applied to average daily balance and this is not what was agreed or what can be deduced from the original agreement.

Advertised as a No Hassle Rewards Card. It is nothing BUT a hassle! We pay 1 or 2x/month in large amounts to pay off the card in order to free available credit to charge again for our business. We try to use this card since it offers an annual 1/4% additional bonus reward based on your cummulative 1% rewards earned. Capital One continuously puts a hold on the acct payment, delaying freeing up available credit. For example, we paid $20k in one month's time, which is over the card's singular limit of $12,500, yet we paid what we had charged (i.e. states online it posted on 1/3/08, yet did not free available credit as of 1/7/08) because we used the card, paid the card, used the card & paid it again. We have a high credit score (in the 800's) and make payments in full religously. The individual we dealt with, Op ID EFP281 was additionally extremely rude to both my husband and myself.

My mother is 86 years old and lives with me and is in great distress because: She paid Capitol One in full several months back, and they started billing her for a credit report and adding this to her CLOSED OUT ACCOUNT and then they added late charges to that. She did not request the service, she has called them three times now and has written to them also. Now she gets a collection letter and my mother is not use to that. Like I said, she is under great distress because of Capitol One and their mistake that they tell her will be corrected but never is. Can you help us? My next step is to see if an attorney can help. The collection letter states she owes $104.75, she has purchased nothing and does not owe this.

I have two accounts with CapitalOne, one for personal use, the other for business (I am a freelance programmer). I overpaid the personal account by $110.45, which shows as a negative balance on my personal card. I called to see if they would allow me to transfer the credit balance from the personal card to the other card, and their semi-friendly people in India told me it cannot be done, and that it was against policy. I asked what is the policy, and the 3rd supervisor I spoke to said I don't have it in front of me. Can you go get the policy? She replied It's not what we've been trained for. I hung up the phone, as I didn't want to keep getting tossed back and forth and no one can come up with the paperwork. It's ridiculously stupid. You would think that since I have two accounts and I've already paid them MY money that with the credit balance I could use it on the secondary account.

I recently opened an all in one Capitol One package which includes free checking, free business acct, personal acct, and a small business credit card. When I received my card and called to have it activated, they started with telling me that they need to refer me to security because there had been an attempt on the account. I asked them how there could be an attempt on an account that has not yet been activated. After an hour on my cell and speaking with 4 different referrals,and much frustration, I was not able to activate my card. I have received nothing but problems. I have had a personal credit card with them for 10 years and have not had issues in the past. They could very easily look at my records and verify the information.

I don't recommend getting a Capital One credit card. Capital One Banks has structured their credit card business to extract excessive finance charges and late fees from their customers. This strategy should be exposed, to protect customers. Here is my experience: 1. Capital One restricted me to an unbelievably low credit limit of $2,000 even though my credit history has always been flawless. I realize that this is their prerogative, but no other credit company I have ever dealt with discounts prior credit history. This strategy makes it easy for customers to exceed the credit limit. 2. Capital Ones website does not accept early payments. At Capital One, early payments can only be made over the phone, for which a $10 fee is assessed. When I made an early payment over the phone to avoid exceeding my credit limit, their computer system flagged my early payment as suspicious activity? even though my payment was immediately and successfully drafted from my bank.

When I tried to contact Capital One with questions about my credit card, I could not get a live person. No matter what phone number I called, I got the same automated menu. After an hour of trying over and over I gave up in total disgust.

I am being sued by them; their client is Capital One Bank. My original credit limit was $200.00. I quickly fell behind on my payments, and they are now suing me for $1600. I called and offered a monthly payment of $20.00, but they (Mr. Cortez) rejected the offer and plan to go ahead with the suit against me. I am a single parent with 3 kids (one with autism). What can I do to stop this? They are suing be in Superior Court.

My ex-wife got a credit card in both our names while we were still together. I was unaware of it. In 2005 they contacted me saying they wanted almost $7,000. It was hurting my credit, so I agreed to pay 1/2 the amount over the phone. The only reason I agreed to doing it this way is because they promised me they would hold my ex-wife accountable for the rest. It is now almost 3 years later and I'm being sued for $4,650.19. They should really honor their promises as I already paid more then my share.

Late fees, time spent on phone, aggrevation.

I transferred everything off the card and they will not close it. They not only charged me an insane amount of interest but they a) deny it and b) refuse to close the account.

My credit has been hurt significantly. My business credit line has been frozen due to the damage from this incident.

I have a major complaint about Capital One and their late fees. I had a month that I was a few days late at getting the payment in. So much for that grace period.

Tried to close two accounts. It has taken me over 3 1/2 months to close one account and at least 3 hours in phone calls and $300 in service and/or late fees on a closed account. Because of it, I decided to close the second account and now we'll just have to see how long it takes to close it, and how many more phone calls & dollar amounts later. I've over-paid for buy off amounts, and somehow I still owe Capital One, go figure!

In March I noticed a charge on my Capital One account that I didn't recognize and so began months long (and still ongoing) ride in a world that Capital One refers to as Customer Service. I had about a 4 year history with Cap1 of never being late with a payment and paying off my balance several time. I have (or had) excellent credit...the product of 20 years of hard work, sacrifice and conscientious decision making. I'm careful with by credit cards and always use cash when I can. Nonetheless, there are people who are bound and determined to obtain your information and it happened to me. I immediately called Cap1 and was tossed back and forth between Fraud and Disputes for 4 months. Cap1 closed the compromised account and re-opened a new account (I did not want to do this but I understood that the disputed charge has to go somewhere while the investigation was going on).

I have been the victim of identity theft in which a Capital One credit card was taken out in my name. I never received a credit card, nor have I received an itemized bill from this company indicating charges made on the account. I became aware of this account after reviewing my credit report and receiving phone calls from this company's collections department, 3 months after the account was opened.

I found they have overstated my transactions on multiple months in the total of ten dollars in each instance. I just called customer service, and after the operator went over my charges, told me I was correct and that there are discrepancies and my total should be lower. However, I was placed on hold while he was checking with his accounts manager. I have now been on hold almost one hour. I will have to call back to get these fraudulent charges removed. I am going to be keeping a record of all calls and contacts made.

They reported me late on all three credit bureaus back in September due to a payment that got lost in the mail supposedly. I wasn't even notified of the payment not being received for the month of September, but it wasn't until October that I finally figured out what was going on. At that point my credit card was over the limit, and there were late fees and over the limit fees out of bounds for me. I didn't even complain much about the late fees or the over the limit fees, but I was more concerned with my credit report. They assured me they would not be reporting it to the credit bureau.

Now in December I am trying to get a home loan, and I find that the account is still on my credit report and has had a major negative effect on my credit score which is severely hurting my chances of getting a home loan that I would otherwise have no issues in securing.

I received an offer from Capital One that specifically stated No balance transfer fees. I called Capital One, transferred two balances, and repeated over and over again no balance transfer fees. I even had the gentleman from Capital One repeat the terms. I figured I was safe since the call was recorded. Of course when I got the statement there were two balance transfer fees. I called to complain and was told that I agreed to balance transfer fees.

I have absolutely no affiliation with Capital One in any way, shape or form. I keep receiving phone calls from a number that when you call back brings you to their telebank system. If you mess up inputting your account number enough times you get customer support. Well I spoke to them and notified them that we have no account with Capital One and that we are on the do not call list. They still call, and it's been over a week. I've talked to just about every supervisor probably twice at this point, and have been on their cease and desist list for about a week now (since day one). I've been getting about 2-3 calls a day that range from 9 in the morning to 10:30 at night.

I haven't used Capital One credit card in 2 years. They recently withdrew monies from my bank. I had an auto payment and when I saw my bank statement, I contacted Capital One. There was an apology and a credit for the monies taken out.

I opened my Capitol One account in early 2006 and was served very well. I noticed, however, that the service they provided me was slowly eroding. In Nov. 2007 I received my statement and immediately paid the entire amount, which has been my practice since I opened the account. I noticed that I had not yet received my Nov. 07 statement, but allowing for the holidays just thought that it was delayed in the mail. On 12-25-07 I called Cap One to find out its status and found that my account was being charged a late fee because I missed a payment. In speaking with the most rude people that I have ever dealt with, they told me that it is not Cap One's responsibility if the statement got lost in the mail--rather it was mine. I tried to reason with them to drop the late fee, but they didn't even want to discuss the problem. They told me that I should have called them sooner and that I should keep better records as to what I charged and sent in a check for the amount charged in Nov without a statement.

I paid over $200 for this stupid plan over the course of two years. I feel I deserve a refund.

I opened an account on 12/14/2007 at Capital One. When the account was opened, there was no red flag of any sort informing the bank nor me that there were monies owed from a previous account. The bank representative and I went through all the steps to assure everything was correct before signing and submitting the final paperwork to close the deal. I deposited a check for $316.70 and $200.00 in cash to my checking account and $50.00 to my savings. When I left I had no reason to be suspicious about my actions. Well, on 12/17/07, I went into the bank center to withdraw $50.00, and I was told it was not available due to recovery deducting $200.00 from my checking and $32.00 from my savings due to an account I had with Hibernia, which was bought by Capital One.

Capital One offered a 0% for 18 months. I borrowed $4972.00 to pay off an high interest rate loan, when their 0% promotion expires and jumps to 25%. The transaction fee is 2% which came out to $99.44. I talked to a Rep named Earle. She explained to me that if I paid off my entire credit card purchases every month there would be no interest charge. The payment would pay off the purchases with the interest first, and the remaining balance of the payment would go to the 0% balance. I made a payment of $5000.00 so I could pay off the credit card purchases I made in October. From what I see from my statement, I had $4222.01 in credit card purchases. I thought that $4222.01 of the $5000.00 would pay off the credit card purchases and the remaining would go to the 0% loan.

I have a Capital One prepaid card. On November 21, 2007, I decided to load some money on it so I can pay some bills. So I loaded the money on the card. I went online and did a Western Union transaction which was declined. Well, Capital One had already approved the transaction before they knew if Western Union had approved it. So I called Western Union and asked them how long would it take for me to get my money credited back to my account. They said 3 to 5 business days. I waited patiently. On Nov. 26, I realized my money was not credited. I called Capital One and they said that Western Union had to send a fax saying that it was declined. I called W U and they said they would send it. I called Capital One everyday and they said they never received a fax. To this day they claim they have not received it.

I have NEVER been late on my Capital One credit card. In fact, I always pay my payment early. On November 1st, I paid my December 1st payment. On December 14th, I paid my January payment. The same week, I receive a statement from Capital One stating that I missed a payment and a statement that my interest rate will go up with future past due payments. Additionally, I received a late payment fee. I called Capital One since I've never missed a payment and have never been late. I was told the billing cycle for December did not start until November 6, and since I paid on the 1st (5 days too soon), it does not count as my December payment. I explained my intentions of paying my December payment early so as to allow for Christmas expenses. I argued that I'm obviously not aware of their billing cycle and requested they count my payment for the December 1st payment. I spoke to the rep, the rep's supervisor, and then her supervisor. I only received sorry, can't, won't, and unfortunately.

I called the company by phone and informed them that I wanted to close my account down so therefore I needed a payoff amount. They quoted me an amount which I paid immediately online. The representative said my account would be closed in two buissness days. A month later I recived a bill from them for $18.42 stating that their was a balnce of $3.42 left unpaid and so they added a late payment charge. I refused to pay the late charge and so now they continue to increase my amount owed every month. I have decided to try and pay it all off again. I guess I need to send them an amount larger than what they quote me otherwise I will never stop them from leaching off of me.

Capitol One does not honor "Do not solicit requests" registered with the credit reporting agencies, and will continue to send unwanted credit card applications. I have never been a customer of Capitol One.

In October I opened a Capital One business card. Today (December 13, 2007) I returned a call that I received from the fraud department. They told me I needed to send in a copy of my driver's license, social security card, utility bill and a bank statement! When I asked what for, they said they had reason to believe there was fraudulent activity on the account. I said, what activity are you referring to? Perhaps it is a transaction that I initiated. They told me that they could not tell me, they just needed to see the forms they requested. They said, we can't see you and don't know who you are. I said "I just told you all the confidential information on the account"-- so of course they know who I am.

Our son passed away 3 months ago, and owed Capitol One. They have called our house daily, and this past Sunday they called 5 times within 2 hours. My wife had already informed them of his death and had already sent a copy of his death certificate to them, yet i just received another call tonight.

My monthly payment is due by the 5th of each month. I paid my normal November payment and my husband received extra pay from his enlistment bonus, so we went ahead and paid December's payment on the the 9th of November; and Capital One applied it to November's billing cycle because they print their statements on the 10th of each month--that is why they decided not to apply the funds for my December payment. I called them and asked them to fix it; I was told then that they could not fix my statement, but they would remove the late fee charged to me for non December payment recorded, and they remove the late payment report with the credit reporting companies. She said it would be fixed with in 24 hours, and it was never corrected as far as applying to the correct payment. I called and talked to another account manager on duty on 11-11-07, and this one claims to tell me that this cannot be fixed--I will just have to accept it and make another payment for December.

I have been a Capital One card holder for over 7 years. I make my payments early every month, and I always pay double or triple the payment amount. My interest rate went up to 14.9% many years ago, and I was unhappy with that but my response was to stop using the card. Just recently, they raised the interest rate to 19.9% just because they could, blaming the increase on conditions in the economy. This company needs to be stopped. They take advantage of customers just because they can.

After having my Capitol One card for many many years, my company went out of business...I refinanced my house and paid off the card, what was left was only interest and late fees. Just found out today two weeks before Christmas, Capitol One's lawyers froze my bank account. Well, kids...sorry, Santa couldn't put anything in your stockings, or even food on your table, but the guys that took it are having a whole lot more than lumps of coal! What a bunch of baloney.

Capital One is posting my electronic payments anywhere from 2-4 days after the money is deducted from my checking account. On occasion, this makes my payment late.

I called the 800 number to cancel my card. I got a recording changing the 800 number to a 900 number, for a charge of $9.00.

In April I received a credit card offer in the mail for 6 months 0% interest and 9.9% interest after that. I tried to accept online and it came up at a much higher rate, so I called Capital One and they processed my acceptance over the phone. I asked several times to verify that I would be getting the 9.9% interest. In November they charged me interest for the first time, at a rate of 18.4%! The high interest amount put me over the limit by about $3, so they also charged me $29 for being overline. I called and got the $29 credited and was told to call back the next day to speak to a supervisor who would fix the interest rate problem. I did that today and the best I could get them to do was reduce it to 14.9%, beginning in the next day or two and not retroactive. They insisted that the high variable rate interest was the offer that I accepted. I would NEVER have accepted a card with that rate. I get junk offers all the time and, in recovery from a bankruptcy, I took the CapOne offer BECAUSE it was a reasonable rate. I don't know if I still have the original offer letter, and realize there isn't much that can be done if I can't find documentation of the rate I was supposed to have. I believe this was a deliberate bait and switch and the sales person lied to me on the phone.

Capital one sent notice of change in my interest charge on my card from 9.9% to 15.74%. I called the number and asked customer service why is my interest rate going up? She said that's just how it is. And I said but my current interest rate is fix at 9.9% and she said not anymore. I asked to speak to her supervisor. She said I must put you on hold . I waited 10 minutes and nobody came back to talk with me. I hung up the phone. I called back right away to complain again and told the customer service rep how I was treated. I asked for a supervisor again. I was put on hold and no one came back as I waited 15 minutes and then hung up. I got on the internet and complained at their web site. I told them that raising the interest rate was unfair and I was unhappy. I also said check my history with them and If I'm such a valued customer then why are they treating me this way. I requested to have my credit interest rate lowered back to the 9.9% and not to send me any more of those instant checks for valued customer for $30,000.00 by signing the checks. I am going to close my account.

Capital One offered a balance transfer of 7.9% APR for the life of the balance. Recently they arbitrarily increased the interest rate to 15.9% APR. Their explanation was that all accounts were increased. This week, I received another solicitation for a 7.99 APR for the life of the balance with no increase in the APR for any reason.

I have been a card holder with Capitol One for 10 years. They used to be flexible with credit lines, membership fees and interest rates. NO MORE. I had to beg and plead this year to get the $39.00 Membership fee removed in May because I am a long term/on-time custome,r and I had paid off a VERY large sum in a lump sum payment 6 months earlier. Two months after that, my previously adjusted interest rate of 11.90%, which I have enjoyed for 2 years, was raised to 24%. The only thing I've done wrong....I got the membership fee removed. When I spoke to the service rep about this outrageous leap in interest...she said that they raised EVERYONE without prejudice. I don't believe it. Because another rep I spoke to after that said that I'm not using the card enough right now, and they need to make money. WHAT? Ludicrous!

I applied for a Capital One BUSINESS Credit Line in the first week of November, 2007. My business is 4 years old and generated over 300K in sales last week and has a history of obtaining business credit with no problem. My credit scores are in the 700s, the operating accounting is healthy, and my records are current. However, Capital One disapproved me and stated that I would receive a letter in the mail -- I didn't.

I have had a Capital One credit card for over 7 years and kept it in good standing. This year Capital One stopped reporting my credit card to Transunion, Equifax, and Experian.

The physical damage is to my health with an increase in blood pressure. As for economic, they are causing financial hardship for my business. I have read a number of consumer complaints in relation to Capital Ones practices with intentionally providing low dollar limits and charging overlimit fees. If there is a class action lawsuit I would like to participate.

On Sept. 7, 2007, I paid by Western Union my balance in Full.(According to their rep on the phone. Who also gave me the info. on how to send it by WU). My limit was $300.00 plus I paid late fees and other fees totaling $542.00. Their rep told me my credit would be available the next day. I called on the 4th of Sept, 2007 and asked their rep. why is my balance not available? I was told there was a restriction placed on my account. I asked for how long and they said they don't know. I called again and said I got a bill and there is a charge of $45.00 membership fee. My credit card says my card began in Oct., so why were they charging me in Sept? And still they didn't know how long there would be a restriction on my account. They said send a letter requesting that info. I E-mailed a letter.

I transfered my account balance to another card and canceled this card. The company kept sending me bills.I attempted to contact them but was put on hold, (after I selected the extention). I sent them a close account letter in the US Mail, September 10, 2007.Please help me to solve this problem.

I have tried to close my account for five months and it is still active. I have paid on this account including interest and phone charges for the last five months. What is it that they don't understand about my request? Because of the poor communication set up they have, it is impossible to speak to a human being. We have had several accounts with this company and we are gradually paying them off because we don't handle our business in such a poor manner.

Capitol One recieved 100% pay-off of my truck loan plus a small over payment. Then, several days later, they took another auto payment from my checking account for $608.00. I am told it will be refunded to me in 6 weeks. No superviors will answer their phones or answer their voice mail. They recived over $27'000.00 in one payment and then took more money from my account which caused several checks to bounce. I tried to stop this from happening, but they claimed a 6 day notice is required. I hope this does not happen again.

I wrote out a Capitol One check (as I have many times before.) Capitol One is claiming I wrote out an access check, rather than a purchase check (they both look the same). They charged me a finance charge of $287.22 and claim that I am now locked into a 18 month loan agreement! I explained that I never applied for a loan with Capitol One, and that I only applied for a credit card account. They claim that the day I wrote my name on the so called Access Check, that I applied and agreed to the 18 month loan? I explained that this was either a big scam or a big mistake and offered to pay off my account balance in full immediately (10 days prior to my payment due date) if they would just correct this situation and subtract the $287.22 finance charge. The account manager refused to remove the charge, refused to be compliant, and refused to be of assistance in any manner concerning this mess. Obviously Capitol One is not interested in being my credit card company. They are only interested in scamming me into loans that I don't want or need so they can charge me extreme transaction fees.

I applied for a Capital One "no-hassle" credit card on-line and a few days later received the card, stating in the terms there was a $300 activation fee for the $7500-limit card.

On November 26th I tried to make an on line purchase and my Capital One card was refused by the seller. I tried to call Capital One and was put on hold for one hour and 5 minutes, at which time I hung up--all the while a voice kept telling me about their high volume of calls. I never would have stayed on the line as long except I have a speaker phone. I called back at 8:30 PM PST and was put on hold again for another 12 minutes at which time the person told me I had to be transfered to another dept.: twelve more minutes and no response. I finally hung up. As of now the card is history. I will never use it again. The entire operation is snafu.

Capital One said I was one day late with a payment, then they charged me a $39.00 fee. I tried for days to make a payment, but they had changed their online center. It told me I had to call customer service. I could not get through to customer service. I guess everyone was calling with the same problem. Finally I got through, and they told me there was nothing they could do. They should have had more people manning the phones. Also I was unaware that they were charging all these fees until 11/23. They changed their website, and it is not as user friendly as before.

My credit score is not able to go up. They are spamming my information. I have contacted the company directly to get them to stop sending me their offers for credit. Somebody make them go away....

Ihave an ongoing dispute with Capital One over $232. This has been going on since July 2007. I DO NOT owe them any money. They say the balance is now zero as of 11-12-2007. The balance on the website is $232 with a payment due of $10. I want this charge off my record.

Today, after nearly 4 years, Capital One had me served with a summons of civil action. They want a pre-judgment interest at 25.900% per year from the date of April 8, 2004, until the date of judgment interest, plus post-judgment interest, plus costs, and any other such relief as the Court may deem reasonable and just. I tried to close out this card years ago, and I was told as long as it had a balance I could not close it out. So their finance charges and late fees continue.

I had a card with Capital One while I was underage. There would have been no problems except it was stolen and some $200 in fraudulent charges were put on my account. I reported the charges over 7 times before they were refunded from my account, about a month later. A month after that, the charges were reapplied to my account after a rep started harassing and insulting me on the phone. I refuse to pay the charges, because why should I be responsible over the FEDERAL LIMIT that I can be responsible for, never mind their $0 guarantee? The CRIMINAL INVESTIGATION has started almost NINE months later; even though I know who did it and its been proven, I know of no arrests. Now Capital One passes off my debt to NCO Financial, which as I've read on the internet scam you, take your money, and don't pay your debt and they call me on THANKSGIVING.

I was given a Capital One representative with an extremely difficult accent. I explained that I had paid my bill by internet on Nov. 8, 2007 but got an e-mail message that it was past due. I called customer service and told them I had paid my bill by internet on Nov.8, and could not access my acct., and wanted to get things straightened out. While she was holding the line for me I typed in once again and tried to access my online account, and once again was stopped by the message cookies were disabled--but I had already enabled them. For two more days I tried to get on the internet and always was stopped by the same message. I finally called in a repeat payment. I got my bill and was charged for a late payment.

Capital One raised my fixed interest rate from 9.99% fixed to 15.8% for no reason. This card has been used for over $70,000 in purchases for my company this year alone (2007) and all has been paid on time and in full!

I have been with Capital One for many years and they decided to raise my interest rate from 9.9% to 15.4%. When I called to find out why, they said no particular reason--they were raising all their customers' rates...This is ridiculous, how they can have such a high interest rate on credit cards.

I recieved a card from them and never even activated it. I said I would keep it just in case. After a month, I recieved a payment request for yearly membership fees and a late fee. I spoke to a customer service representative who told me to use payment protection and to pay $35 and the account will be closed. I went overseas for a few months and when I got back I recieved letters from Capital One saying I owe them $160 in late fees and finance charges. I never even activated thier card!

I paid off all my credit cards on Nov. 1, 2007. I received bills from Capital One charging me interest on the money I paid off. This is the same card that I requested the account to be closed. On the bill it states that the account has to be zero balance for two months in order to close it. How am I supposed to have a zero balance when they charge for a finance fee on a balance that was paid? As a result I paid the fee again (44.00). I also wrote on the bill to close the account again. I have also written this on all of the other Capital One accounts I have. I am tired of paying 5 or 6 dollars a month for cards I don't use. I am also tired of them moving the pay by date. One card I recieved a late fee because they changed to date. I usually pay my bill on-line and have paid it this way for 6 years. So, I was upset when they changed the date. Then they reported it to the credit bureau that I was 30-60 days late, but actually it was only 5-10 days late because they changed the due date. I am writing a letter requesting that all 4 of my cards be closed. Is there anything else I can do?

I have tried to close my account with Capital One several times. The company still sends me statements with available credit, meaning my account is still open. I know they are aware of the letter I have sent them to close the account. But it seems they don't care. There has to be a way a company like this can get reported and make changes for its customers. I have tried with phone calls and it takes on average 20 to 30 minutes to get through with them, and when you get to talk to them sometimes the phone call cuts off. I went from paying 7.9% interest to 18.40% all because I paid one day late. I was able to prove that the payment was sent post marked 4 days before due date, but that did not matter to them so they raised the rate.

We pay off our credit card balance every month. We received a special offer with Access Checks to borrow money interest free for 18 months. We paid off a car loan and took on the balance on our Capital One account at a one-time 2% finance charge to the balance. Now we learned that we are incurring interest on our monthly purchases, even though we pay off the balance, because they are applying our payments *first* to the interest free balance, and in the meantime we get hit with a finance charge on the rest. So, to stop getting hit with monthly interest charge on our regular balances, we have to immediately pay off the interest free part, even though they already charged us 2% of that balance up front! It is an absolutely diabolical scheme.

On the 5th of November, my wife signed on line to pay the balance of her credit card with Capitol One. She set up a withdrawal from our account with WAMU to pay this account. A confirmation was received that Capitol One received the needed information to make the withdrawal. We waited for the monies to be taken out of WAMU and it never showed up on the account. When she contacted Capitol One, she was told that the took it out of her seldom used account with Wells Fargo. The removal of these funds from her Wells Fargo account caused the account to go into overdraft: a $10.00 charge. When she called Capitol One, (even though they confirmed the account set up to take the money from the WAMU account), she talked to 4 different people who disclaimed that this set-up with WAMU ever took place. We received a confirmation that they were going to take the money from the WAMU account, even using the new password, which was in the confirmation email.

I have been trying to pay my Capital One credit card since Friday, Nov. 16, 2007. When I went on line and tried to pay I got a message that my bank did not authorize ACH payments. I make several ACH payments per month including this account and have never had a problem. When I called customer service they said since they were upgrading the web site, they could take my payment on line or I could wait until the next day and make it on line. The next day, Saturday, I still had a problems and I had to call twice. They could not help unless I waited more hours. I opted to wait until today, Monday, Nov. 19 to make a payment on line.

I got a Capital One card in 2003, with a credit line of $300 out of which they took $150 for their charges. Stupid! Now after paying them for 2 yrs. at $25 a month, I've spent $600. I have told them that their billing for me is wrong, but they continue to give me Hell. I want it to end now! They are the worst credit card company; I am sure to tell everyone!

I received my statement last month and was shocked that my APR had gone from 7.90% to 15.03%. I called and spoke to a customer service rep and he said he couldn't tell me anything about it. So, I asked to speak to his supervisor, which was a total waste of time. I asked that my account be closed, which the supervisor said she would. A week later I get a letter from Capital One stating that they can't close the account unless the balance is $0, but a request has been made to close the account.

Arbitrarily hiked my interest rate 8%. Two separate cs reps give me two different reasons. Double-talk and semantics tricks. I refuse to use them anymore.

Capital One's policy when trying to close accounts makes it impossible to ever close. You must have a 0 balance for a period of time. This includes a credit even after your request to close the account; this is impossible when they charge a monthly fee for having the card. It never ends. I have been trying for 4 months to close my accounts without success. This needs to stop and is completely fraudulent, especially if you are trying to become credit responsible and get out of debt.

I opted out of the huge increased interest rate on my Capital One card. When I went to the web site to pay my bill, as I have for the past several years, I found I no longer had access. After spending over one hour on the phone, bouncing from Nika to Aaron to Mac and finally to account manager Linda, I was informed that Capital One has a new policy whereby those who opted out of having an increased interest rate and are paying off the balance with no additional use of the card will no longer have web access to their accounts!

I paid off my card in full in May of 2007 and marked on the payment close account. No other charges since then. In October I received a bill for card renewal. I called to try and cancel the card and straighten things out. After 30 minutes on hold I hung up and sent a letter. Capital One responded with a letter saying the were unable to process my request and asked me to fill out a form. I've done that.

I was overlimit due to an unexpected membership fee charged to my account. Although I made the minimum payment due as well as the money to cover the overlimit fee, I was charged again. This process repeated itself until I was unable to pay a month. I paid again for what I thought would cover the current over amount, the overlimit fee and the membership fees they deduct every month. I still charged me for all of that as well as a late fee as if the payment to make me current meant nothing. My payments went from $20 to $45, to now a whooping $136, from getting continually charged overlimit fees on top of a late fee.

My husband & I were on vacation celebrating our 50th Anniv. On the day before we were to leave Prague, my wallet was stolen while in a little shop. We went back to the Hilton & made a report with the hotel clerk. This was about 40 min. later. The clerk called Citi Bank to cancel our card & also Capital One. The clerk told us Citi Card was denied access to the unknown user but Captial One was used twice. Each time the amount was for $190.39, our exchange.

My parents pay my credit card bill so I can build up credit while in college. The card has a 500.00 limit. It has been paid in full each month since the card was issued in May of 2007. In October, my parents called capitol one because a payment wasn't credited to the account. They did a courtesy credit and then the next day finally credited the original payment. Then they took the second payment away. No problem except I had an emergency tow bill that put my card over the limit. My parents paid the bill in full as soon as the statement was issued, but Capital one did not release the credit hold. We had to call and ask them why they were recognizing the payment but not opening a credit on the account.

I tried to pay off my account. I kept getting billed for additional interest. I repeatedly paid the statements in full and well before the due date. I was still hit with interest. I called and was repeatedly cut off while waiting for a representative. Charges were added for pay-by-phone in person. I finally overpaid with verbal guarantee it would pay off. I asked to drop the account entirely due to their poor practices. Went through 30 minutes of run around. You see a bill. You pay a bill. Then find it isn't paid?

My husband and I both had a Capital One card when he died in Jan. 2005. I called them and told them I lost everything when he died. They had me send a death certificate and told me since all I had was Social Security, to forget it. Now Capital One is suing me for the money. I had even lost my home when he died; now this.

Before you put a Capital One card in your wallet, just try to call their customer service phone number! I had been charged a finance charge even though I pay my balance each month. It took over an hour and a half to finally get to an account manager named Marie who proceeded to put me on hold for 20 minutes. I explained to her that I was at work and had been on the phone a long time. She strongly informed me that she does not rush and put me on hold yet again.

I paid off my Capital One account in full. Instead of acknowledging it, they tacked on a membership fee and said they wouldn't close the account until the membership fee was paid in full. I had no interest in renewing the account.

First Capital One Credit Card increased the APR without notice. Because of that, they charged us late fees; because of those late fees the card went on overdraft so we have to pay overdraft charges which amount to almost $80 extra a month. This is a rip-off, and it is time that the American government does something against the thievery of the large credit card companies like Capital One. Customers' rights are being taken away, one by one.

I had two credit cards with capital one with limits of $200 usd and $300 usd. every thing was good until a few month into the accounts. that's when capital one began to apply the wrong payment to the wrong account.

I have more than one small limit credit card from Capitol One, which I took out in an effort to regain good credit after a bankruptcy nearly 10 years ago. If I mail in a payment less than 10 days before a due date, I may not make the deadline. Or, if I pay it online on the due date, but after 2:00 pm EST, I will incur a $29 late fee. If that $29 late fee puts me over the limit, I then incur a $29 over-limit fee, for a total of $58 in charges. This can build and build. I'm sure I have paid many hundreds of dollars over the months and years.

Capital One issued me a card that I canceled after finding that without shopping anything, I already owed $ 600! I called to cancel the card and they agreed. Then I found from my recent credit report that I owed them $1,830.

I complained to Capital One when I noticed that my APR increased from 8.9% to 13.9%. I applied for the card when they offered the 8.9% for the entire life of my balance. Their rep advised me, as most of the complaints, that it had nothing to do with my excellent credit history with them, only a business decision. You can imagine my outrage when I received today another offer (one of many) from Capital One signed by the Director of Accounts that I can use a purchase check to do a balance transfer with a FIXED rate of 4.99%.

I got a Capital One Credit Card for my honeymoon since I was going out of the country and they offered a no currency conversion card. When I came home I paid the card in full and canceled it. I was told I had to wait 30 days after the payment was received before it was canceled. It is now mid-November and I'm being told that I have to wait an additional 30 days for the billing cycle to be $0.00.

I opened a credit card account with Capital One in August 2001. After several months with the account, Capital One charged me a late fee which I disputed and refused to pay because my payment wasn't late. Capital one refused to remove the late fee which put my account into overlimit status. Since then, the company has charged monthly late fees totaling $2,100 dollars on an account with a $300 limit. I agreed to settle with them for the amount I actually owe and they have repeatedly refused and continue to charge monthly late fees.

I received my first credit card from this company when I was 17--a senior in high school. I had no clue as to what I was doing. I originally had a $300 credit limit which upon good payments got raised. Then there was some life events that put me behind one month. I was never able to get caught up. I finally agreed to a settlement. After making my first payment of half of the balance owed, I called to get more information. At that time I was informed I was not on a settlement payoff and had to pay the entire remaining amount which I could not afford to do. Now 7 years later my balance with Capital One is about $1500.00 and got a call from their collection attorneys today. I am going to dispute this with my legal services through work. Hopefully they will not see another dime from me since they entered into a contract with a minor.

I keep a zero balance with Capital One but was charged an item last month. Capital One never sent a bill last month, then charged a late fee this month for 'late payment'. When I called to address the error, they said they'd make a decision if they would remove the fee later. I have to call back in 10-15 days.

I am unable to close my Capital One account even though I have requested to do so many times, spent many hours on hold, been transferred to multiple departments, and spoken to many people who were either unwilling to or had no authority to help me resolve this problem. I am seeking assistance from anyone who can help me cancel this account. I also want to file a formal complaint against Capital One.

I got taken to court for nonpayment of credit, but I never had a credit card with Capital One Bank. I never received A bill. I SIMPLY GOT A SUMMONS TO GO TO COURT. I called them up; they could not find an account in my name; I thought that was the end of it. But then I got a letter from a lawyer that said Capital One sued me. He asked me to fill out a paper with all my personal and business information, social security number, and home status, my income, etc.

Have you ever tried to have a charge taken off at Capital One? I have! You have to fill out all kinds of paperwork and then when you fax it in, they say they never received it and the charge stands.You have no customer service and the supervisors have no power to do anything. The people in India who they turn the phones over to at night, can only take payments and know nothing else. I will pay this card off and close it and NEVER use them again.

I noticed last month, I was charged over credit limit fee. I thought it was odd but did not really take time to check it out. I paid $20 more than the what the bill asked for. Anyway, I got my bill this month and again was charged over the limit. According to them, because I was over my limit in August, I paid the over limit amount plus a extra $5.00, the next month the amount due was $40 and I paid $60 however I was being charged overlimit because I did not take into account what the interest charge that they were going to assess. I paid more than the what I had to but the interest was $23.00 therefore, another over limit fee.

I received my monthly statement and to my surprise my fixed rate of 9.9% had shot up to 15.9% no warning, no letter, nothing.This rate was not only on future use it applied to money I had already used at a 9.9% fixed rate.I called customer service and was told that there had been an increase in fees and when I ask (Leon #GBK571) why I had received no notice I was told to fax a letter to General Correspondence at 888-259-30210 and to tell them I had not received notice of rate changes and request that my rate remain the same.

I contacted Capital One Payment Protection in July to activate my unemployment benefits. I had to call them every month until 2 weeks ago in regards to submitting payment. Nevertheless they failed to remove all late payment charges and fees that accrued from July 2007 to the present.

I applied for credit and transfers with Capital One on-line. I decided I didn't want to go with them. Tried to cancel everyday; they never would talk with me and put me on hold for hours at a time without answering. I cannot get anyone to help me cancel this Capital One credit card

We received our bill yesterday and our fixed rate of 6.9% jumped to over 14%. We called and were told Capital One changed to variable rate due to a credit crunch and there was nothing we could do. Said they sent a written notice, but we did not get anything or we would have closed the account down before the new rate.

Capital One gave me a credit card while I was on disability. It had a $200 limit. I couldn't make the payments. They charge me a $29 overlimit fee as well as a $29 past due fee. They immediately took me to court. I paid them $300, which was more than I owed them. They won a judgment of $691. I never heard from them again. Three years later, I'm trying to get a loan for a new vehicle. But there is an adverse account from Capital One on my credit report. As well as the judgment for $691. There is also an account for $1,050. It says it is a revolving account, closed by credit grantor in 2003.

I received an offer for a Capital One personal loan and applied on-line. The offer I received was not what I applied for, which was a possibility stated on their offer. However, there was not an option on-line to not accept their offer. They proceed assuming the offer has been accepted. There should be an option to not proceed with the loan offer on-line. I immediately called to stop the procedure and was told I'd have to call back on Monday, that a check would be sent to me for the loan amount and to not accept it--just not to cash it. I did not accept this loan on the terms they gave me and did not have an opportunity to refuse their counter offer. This is my major complaint: I should have been able to cancel the request on-line.

All these years I was never late ever in my Capital One payments. All of a sudden, I noticed that they jacked up my APR from 14.99% to 19.99%. They say it is not due to my fault but to economic reasons and that they SENT ME A LETTER to notify me on this increase. I never received any letter or notification. WHAT A RIP-OFF. One tries so hard to maintain a good credit relationship with Capital One...but what do you get? They suck up every fiber of resources one has.

My wife died, so like a nice guy I let Capital One know. Now they rejected my credit card and will not reinstate it so I lose 33,000 rewards to apply for a new card. They say they do not hassle. Boo hoo. I am still awaiting a phone call that was promised five days ago. I owe them $1200+. Are they going to cancel that debt? No way, I bet.

I had my Capital One account increased from 6.9 to 13.9 for no reason. As a long time Capitol One card holder, what sent me over the edge is their adamant refusal to remove a $39 late fee when in fact I had paid 3 weeks early. I paid $468 on July 27th for that billing period (July 22 to Aug 21st) and then I paid $1000 on August 21st. Well they told me the 21st is the end of my billing cycle so in essence I paid twice on my July bill. According to them I got a late payment fee as that 2nd payment could not count towards my August bill. That really irked me!

This is a dispute with Capital One that involves two accounts. One is for $1641, November, 2003 and the second, $1374, in November, 2003. I did not open two accounts with them, and I did know until today that it was even possible to open more than one account within the same month. I had excellent credit until I moved to Maryland and bought my house, but it has not been up to par since. I did have one account with Capital One but not two. The reason that I found out about this was I was doing a re-finance and trying to clear up my credit, and this was brought to my attention by the accountant. I've had to get an attorney to help on this confusing problem.

Seven years ago, Capital One claims my wife got a credit card with them. We have disputed this with everyone, but they say this is not a valid dispute. They keep sending new collection agencies on us. When we ask for dispute forms, they will not send them to us.

I tried to close my Capital One account in January 2007. I called customer service to let them know/to ask about any fees I may owe, and then I paid in full. At no point did they tell me that the account balance had to stay at 0 for 30 days. The next month I had a $5.99 charge for the CreditInform service. The CSR said nothing about this fee. I assumed it would be stopped with the account closure, as CreditInform is a service offered by CapitalOne.

Just a few months ago, we negotiated a fixed rate with a supervisor at Capital One for 12.9%. When I went online to pay the latest credit card bill, I was shocked to see the finance charges so high. I saw our interest rate had gone up to almost 20%. My husband called C1, talked to both a customer service rep, and a supervisor. We were told the same everyone else is hearing, it was a business decision.

In 2005 I called my credit card company, MBNA, and asked why my interest rate went up. MBNA told me it was due to nonpayment of a Capital One credit card. I told them I only had one Visa and that was MBNA.

Capital One raised my 9.9 fixed to over 25% APR. When questioned they claimed they did this to all their customers. They claimed I failed to respond to a opt-in document sent to me. (I never received this document). As a long time customer they offered me a 12.9% rate. My rate was a fixed 9.9 for life. I believe this is a scam for them to force customers into default status so Capital One can write off the loans (tax break). Then they send the default accounts to in-house collections where they will reinstate reasonable rates for collection. (All proceeds at that point are pure profit to the company). Many/most customers who carry balances won't have any option to protest and be forced into the higher rate. I'm prepared to join a class action suit when it inevitably comes.

Capitol One raised rates almost 300%, from 10% to 27 % without notice. Said we were late twice in the last year, And we were, by 4-10 days.

My husband, who had a credit card with Capital One, died 7/21/07. He always paid his bills on time. Capital One was notified of his death.

I can join the chorus of people complaining about Capitol One's change of interest rates. Long term Platinum Card holders our interest jumped almost 10% points.

Capital One has charged me over $600 in late payment fees and over limit charges within the last year on a card I have with an $800 limit.

I was (and I stress the word was) a long time Capital One customer with a perfect payment record until they raised my interest rate from 9.9 FIXED to 15.9 VARIABLE.

I have a Capital One Bank credit card that had a fixed rate of 9.9%. I have been sent a notice that this rate was being increased to 15.9% and it has been changed. I have never been late and did not deserve to have this rate changed.

I'm in the process of trying to pay off a debt I have with Capital One of $5,700. When I told them I needed a letter stating the amount of the payoff to forward to my loan counselor, they said that they couldn't send it because the interest was calculated daily so the balance was always changing.

I have a closed account that they continued to bill and charge interest on.

My account was sent to collections on July 11, 2007.

The got the same bait-and-switch 7.9% to15.9%, on an account in good standing, that many others have reported. Additionally, a refusal by their customer service department (if you can get them on the phone) to close my account.

Fixed apr went up. Capital One said I could have opted out from the letter they sent. I never received.

I have had a Capital One credit card for many years. A few months ago, they sent me a letter stating that they are going to raise my interest rate from 8.9% to around 15% do to economic conditions. According to the customer service rep, I had the choice to either accept the new finance charge or cancel my card, and pay down the debt at my current interest rate.

I have had a Capital One credit card for over 6 years. I decide that I wanted to close my account so I spoke with a rep for the pay off amount. I asked if I would need to pay more than that amount to cover any additional fees that ALWAY appear without explanation on my bill. The rep assured me that the amount was correct to close my card. She informed me that as long as I didn't use my card for thirty days, the account would record a zero balance and close like I have requested.

Capital One raised my rate to 15.4% even though they said it would be 9.9% for life. (I guess my life must be over.) The reason? It was a business decision. Capital One needs to be sued for lying. Everytime I see their commercial on TV and hear "What's in your wallet?", I want to say "Nothing--my money is in your wallet."

july of 2006 capitol one reported my account on my perminate credit report. as of 2006 they show a ballance of $1,064. I dont have all that good of credit which is why i had called them in the begining to cancel my card before it did get deliquent. After many times of phone conversations I am at a loss.

I called Capital One and asked for a payoff amount of my credit card. I was told $215.08, which I paid 7/07.

I paid off my Capital One account last month and was charged $2.03 on a zero balance. When I called, it was explained that I would be charged interest because I hadn't paid in full for two consecutive months. I mentioned I had no balance except for the $2.03 they charged on a zero balance.

My credit card was billed fraudulantly and the company refuses to help me. They say I will have to take it up with the merchant. i tried to cancel the account and they informed me that they will continue to pay the company and bill me until the company stops billing regardless if I close the account or not.

Unknown as of today. This just happened on Monday of this week which was 10-08-2007.

For years I have had a credit card with Capital One, with a 25k credit line at 9.9% interest. I had a balance of $16k and decided I should probably try to start paying it down instead of making a little more than the minimum payment. So last month I paid them $2000. This month, when I got my statement, my rate went up to 15.6%. That's almost a 60% increase in one month, when the rates are down nationally.

At this time, only a $30+ finance charge (I usually paid my account in full). However, I'll wait and see what added charges I get now that my account is closed and paid in full. This may be legal what they've done, but it sure isn't good for customer relations.

I was a valuable customer of Capital One for 7 years. I always paid my bills on time. Then, in May 2007 I found out that Capital One put on my credit report that I had paid 30 days late in December 2006.

If I don't pay then negative credit marks.

10/1/07 Tried to pay my credit card off in full and after paying the entire amount, I received a statement for interest fees. I was told I was being charged 14.9% per day on the time bewteen the statement and the time the payment was received. It came to $28.79. The amount that was charged interest was different then the amount that was originally owed. (Strange!)

The usual Capitol One experience: Over limit fee where none should have happened, and the resultant triggering of all the Universal Default problems. I have worked for nearly 10 years to rebuild my credit (following bankruptcy in 1998). To that end, I literally became obsessive in my managing of accounts. I'm online MULTIPLE times a day checking and rechecking all my account information. In these 9+ years, I've never had a negative on my credit--not a single late payment, careful use of credit, every bill (including medical bills) paid timely and in full. In short, I watch what I'm doing and, as a result, have a perfect record. Capitol One, in one fell swoop, ruined it all. I literally haven't slept in the last three weeks, I am so FUMING FURIOUS at Capitol One. Worst part of all, I know I will never have anybody batting for me in this matter such as the Congress of this country, and will never be able to undo the damage(even though I've written over six letters thus far, including one to the AG of the state of Virginia). So I've decided my only recourse is to literally start up my own anti-Capitol One website, which is what I'm working on now. If it helps steer even 10 people away from Capitol One, the website will have been entirely worth it.

I have been an exellent customer with CapitalOne for nearly 8 years enjoying a fixed 7.99% interest rate. I was never late on a payment and had 25K credit limit. In June 2007, my interest rate was increased to 12.99. When I called and complained, the CSR said there was nothing they could do to restore my 7.99 rate. I paid off the balance in September 2007 and called to CANCEL the account. The lead Supervisor David was professional and said he would restore my 7.99% if I remained a customer. I repeatedly told him I just wanted to cancel. Finally, he agreed and said he had read a legal statement to me before he would deactivate my account. In the statement, there was mention of membership fees that may be levied to my account. I made it clear to him that I have never paid a membership fee and I wanted to be clear I would not be assessed any of these fees while my account was being deactivated. I also wanted a written statement that they would send the account closure to the credit reporting bureau. Overall, it was not a long and arduous experience as others here have experienced. However, I am in a wait and see mode.

I contacted Capitol One to send me disability papers since I had paid credit protection for two years. After two phone calls I still had not received any papers. I called Capitol One and complained, and they said they were going to send the papers. Instead I received a letter informing me my interest rate was being raised on all 3 cards. I had not been late on any of them. Since I am not working I was making minimum payment on my credit cards. They said I could close the accounts and not be accessed the higher interest rate, and I chose to do that. Now I have not used my cards since I closed the accounts but continue to pay my bills, but I have a problem. Every month when I get my statement I have been accessed an over-the-limit fee on my cards. What? I don't even used the cards. They say it is interest that knocks it into the over-the-limit fee. So I have to make minimum payment plus interest fees! Why do they put minimum payment if that is not really what it is. I have filed with BBB to try and get these over-the-limit fees reimbersed and to find out why they never honored my credit protection that I paid for almost 2 years.

Repeated arbitrary holding of payments; customer service reps are not helpful AT ALL but seem to read from a script; have successfully had held payments released by CSRs only to be told at later dates that that is not their policy and that no one did that (or if they did they weren't supposed to); wait times are absurd and after holding for 15 minutes I am frequently transferred to several different departments, often times the incorrect department; CSRs refusal to work with the customer--by far the worse customer service experience I have ever encountered.

Capital One will not allow me to close my account and continue to bully me by continually adding fees to my CLOSED card. I was able to obtain a balance transfer and the credit union I used called to obtain final payoff plus fees. Capital One provided the pay off.

Ever since the beginning of 2006, I have been trying to cancel my Capital One credit card due to their indiscrepancies, fraudulent charges, high penalties on purchases not authorized by me. I am outraged that I have tried to cancel this credit card over seven times, and the company continues to send me bills on a card I have not even had in my possession for two years!!!

I have a Capital One credit card that I have been trying to close. I thought it was closed six months ago, then I get a statement in the mail.

I applied for a credit card and never heard anything back. A month later, I received a bill for $38.00, $19.00 for a membership fee and $19.00 for a late fee.

When I called to question the payee of a transaction on my monthly statement, I was offered cash, interest-free for 18 months, at a cost of 2% of the cash amount. When I questioned if there were any hidden costs or consequences, I was told there were none. However, on my next monthly statement, there was the charge for the total loan amount and the 2% charge.

When I was contacted with an offer to use a Capital One credit card,they told me at that time that the intrest rate would be 9.90. This would be fixed for the life of the card,now i`m being told that my rate is going up and the only thing I can do is pay the higher rate or opt. out. I feel that they should stick to their agreement and leave the terms as they contracted to do!

First of all, thank you for the information provided out here it was very helpful when I had to contact Capital One for the same issue that everyone else has been reporting.

I have had a credit card through Capital One since 1998 that was supposedly 9.9% for life. I have never paid late, never been overlimit and rarely carry a balance over 6 months. I received a notice in August, 2007 that they were changing the terms of my card and raising my rate to prime + 7.65%.

I originally had a fixed rate for LIFE of 8.9%. In March I received a notice that my rate was increasing to 13.9%. I have been given excuses that the Feds increased interest rates or that this is simply a business decision. My complaint that a fixed rate was not the same as a variable rate and could not be changed fell on deaf ears.

I was assessed a Late Fee for which I adamantly disagreed with. I prepaid one month early about $2500 of a current's month purchase transactions. Capital One charged me a $29 late fee because my prepayment didn't fall into their billing cycle. Their system can't recognize prepayments for purchases made a whole month in advance. Their system did see, however, the small residual balance not paid of $130 ($80 residual balance & finance charge) and thus the late fee was added because a $10 minimum fee was not made. (Hello!! I paid $2500 a month earlier.)

I have been making my payments weeks before the due date of the 30-31st of the month .. I have recieved late fees for being early .. It appears that any payments no matter how many you send in before the 6th of the mont are credited to the prior month Ie; say your statement says due by august 31 and you pay august 3 and have already paid for July that amount goes toward july so if you do not make yet another payment in August you are considered late and charged a $30 late fee .. there is a 5 day limbo at CAPITOL ONE ..

Yup, I am just another victim of this pernicious credit card company. I have carried the card for 10 years, NEVER made a late payment, NEVER went over the limit, ALWAYS paid well before the due date and ALWAYS paid two times the minimum amount. Yet, I, too, have had my interest rate substantially increased for business reasons. I would cancel the card but those who know about these things tell me not to, just to pay it off or transfer the balance to another card which I fully intend to do. I will keep it open with a zero balance to preserve, if possible, my credit score.

We had a Capital One card for years and always considered it one of our better credit accounts. Out of the blue, our interest rate on one of our other cards was increased due to debt to income ratio. That's where the companies run your credit check and decide you have too much debt so they raise your rates, somehow believing that if you aren't making enough to cover your payments now, somehow a higher payment will be better!

I have been trying to reach an individual by phone to find out why my credit card was frozen. After 17 calls and only 5 times being able to talk to someone, I still keep being transferred and promptly hung up on. I have been ignored, insulted as to my credibilty, and even responded too with a form e-mail refering me back to a merry-go-round of phone bank numbers.

My Capital One account has been closed for 4 YEARS. I received my credit report two weeks ago and to my surprise Capital One is still reporting my account as not just open, but an OPEN DEROGATORY TRADE. I called to ask why. They asked for my account number, (obviously I don't have it), but when asked for my social, they couldn't find me in the system.

I received a pre-approved offer for a credit card from Capital One. It said that if I open a Capital One credit card and use it in the first month, they would pay the first $50 I charged to it. Well, after buying a guitar off ebay, and making a payment 3 times the minimum amount due, I saw a transaction for $50. It said Credit Card Usage Bonus. Well, it wasn't a credit, it was a charge. I guess they meant that they would give me a bonus charge, meaning they would just charge me $50 for nothing at all. And, it said No Annual Fee, well, they dont need to charge an annual fee if they are going to just charge at will to the credit card.

I regret I ever had one of thier credit cards! I have been paying on a 5000.00 card what seems like forever. They reduced my credit limit at one point to force me have late fees and make a larger payment!!! They recently added a monthly member fee!! What next? I know it won't do any good for me to complain but they might as well rob banks and get away with that too!! The poorer you are the more it cost!

I've had a Capital One Platinum Card since 1994. I have never been late EVER on a Payment to them and I consistently pay three times the minimum amount due. The balance is slightly high due to some unexpected happenings in my life that caused me to charge some larger than normal items, but it's the only card I have. My FICO score is +750 though, I have excellent credit. I even paid off my truck loan early which was taken out with People First who was bought out by Capital One before I paid off my loan. I made approximately 1 years worth of payments to Capital One for the truck, then paid off the balance 2 years early.

From the Capital One Complaints on your site, I see we are not alone. Capital One recently sent us the notice too, that it was raising our APR due to rising interest rates. This raised a red flag. We've had a Platinum account with them at a FIXED rate of 9.5% for many years, never been late, etc.

I have been a Loyal Capital One customer since 01/2001 and NEVER made one payment late - NOT ONE LATE FEE! With a measly $7500 credit limit now, originally $5k, a current 9.9% interest rate, I too received a notice (08/2007) that my rate was going up to 15.9 %. Although I recently paid off this card and would like to keep it open, I have now chosen to close/cancel this account with them.

Similar to other recent complaints, I have had a Capital One credit card for over 5 years that was supposed to be fixed at 9.9% FOR LIFE. Now they tell me they are changing it to 15.49% vairable. Did I die or something? I have never been late, always paid well above the minimum every month and considered them a reputable company.

On Tuesday 7/31/07, my husband received a notice that his interest rate was being chaged to 15.9% from the fixed rate of 9.9%, which was supposed to be the rate if his account was kept in good standing. Which it has until Capital One started making up their own rules. When I called, they said that it was a decision within the company. This was a poor excuse. I spoke to a guy that could hardly speak English, and he sounded like he had memorized his speech. None of this made any sense.

An account in good standing and they can do this!? Capital One does not want your business, they want only to pillage and plunder. In what realm do they justify an increase to 15.9% interest? From 4.9% introductory to 5.9% to 15.9%! A business decision based on what? Clearly not wanting my business, only my earned money.

I have had a Capital One credit card since 2004 with a 5.9% fixed rate. I received a notice yesterday that they were going to raise my interest rate to 15.9% with a variable APR with no provocation! I have never been late, never gone over the limit, and have always paid well over the minimum amount due.

I have had a Capital One credit card for about four or five months now. I was specifically told that it was a fixed rate. I specificaly asked them what would happen if I was a few day late on my payment. They told me that my rate would not change and I would have to only pay a late fee. I have paid well over my minimum every time (one or two which may have been a day or to late(I pay online)). No worries right? Just pay the late fee.

Received a term/condition notice from Capital One yesterday. They informed me that they are raising my interest rate due to the economy and the current interest rate that I'm paying now. I have always paid on time and only used them when they had special rate offers. Is this fair?

I have a Capital One credit card that has a 9.9% fixed rate and now they are telling me they're raising my rates, even for existing balances. I have never made a late payment or done anything to warrant this.

My credit card was denied 7/7/07. My wife had accidentally paid the bill online and chose an account that we had paid off. The payment was $1200 of which we still have not been able to get restitution for after 2 full weeks. Our credit is outstanding and have used Capital One over the years but have run into problems with them both not listening, not being able to offer assistance, and only speaking to my wife on the account if we send them a power of attorney because I am the primary and my wife is only a card holder, even though I have repeatedly asked them to talk with my wife over and over again.

My husband and I were buying a new home one year ago and discovered that there two charge offs from Capitol One. We have never had a Capitol One account. We decided to make a settlement just to resolve the issue. After making the settlement vis Western Union, we asked for a signed copy of the application showing the signature that requested or approved the credit card. They have not been able to produce an application. It now shows on our credit as Capitol One and Arbor House Collection. We are attempting to resolve this matter with no success, ony frustration.

I have been making payments through Capital Ones Attorney, [by Priority Mail and Money Order] have proof of delivery; just recently I have received a notice in the mail requesting my appearance in a Small Claims Court.

My grandmother received a Capital One Credit Offer with promise of Balance Transfer Rate of 1.99%. She applied for the preapproved credit offer and indicated she want so transfer a balance of $3000.00. She received 5 seperate Capital One Credit Card with $500.00 limit and another one with $600.00 limit. First 5 Capital One Credit Card had balance of $500.00 Each and last one of $575.00 including $75.00 Balance Transfer fee. She got the 1.99% interest rate on 6 credit cards.

Capital One informed me by mail that if my APR, listed on my Feb. 2007 statement, had a letter code next to it my terms could change by April 2007. Even though my statement had no codes listed, I immediately wrote a letter to Capital One at the given address and refused any change in terms. I stopped charging to the account before the March 30th deadline. My April 2007 statement arrived with a rise in APR of 5 points!

My interest rate went from 5.99% to 28.99% then back down again to 5.99% now it is back up. I have never paid late and have always paid well over the minimum fee.

They declined my purchase while I was in the grocery store, I called and they said there were a bunch of online purchases so I said ok close this account and give me a new one. After numerous phone calls trying to get the paper work to say I didn't purchase anything, they told me 7-10 business days. I called and they told me no report was ever done. So then, they did a report and then sent it with only one fraud charge.

Had a credit account with a fixed APR of 4.99% and CapitalOne changed the APR to 9.90% even though all the paperwork indicated that this was a fixed rate. I have not missed or been late on a payment. I called and was told the Bank had gotten permission to change the terms of the credit agreement because they were loosing too much money and that my only recourse was to pay off the balance owed in full.

After paying my complete balance nearly, $3,000.00, I thought I would have a zero balance. However, Capital One accrued interest every day until they receive payment so I had a balance of more than $50.00 this month. When I asked what I would have to do to never owe them money again they replied it would be hard to say but they could try to estimate the amount I owed them at the time my payment posted. Of course that amount was $5.00 more than what I owe at this time today. I mean just tell me what I owe you for cryin' out loud.

Account closed because interest rate jumped from 9.9% to 19.99%. Paid in full on 3-13-07 with zero balance. Acct not closed even though I called and contacted representatives several times with confirmation numbers. Contacted a senior acct manager who stated account was not closed yet and refused to close the account.

I called to combine two small credit cards. I was told a new balance, new payment date, and amount. I was told to tear up my card. I received a small note form them two weeks later stating It was declined after I was told by and associate it was not. I called Capital One spoke with Dorothy and she would not allow me to speak to a supervisor above her, I was told they did not have time to deal with me. I was on the call for 40 minutes.

I went to close my account today and the agent said she needed to read me some disclosure information. She read that if I did not redeem my points prior to closing I would lose all of them. I said please do not close my account at this time as I would like to redeem my well earned points. after I hung up and tried to redeem them, I found that they went ahead and closed my account so that I can't redeem them! I lost all of my points worth about $300.00.

Both my husband and me had Capital One credit cards; his for his corporation. It expired in Jan of 2007 and they never sent a replacement card. We called Capital One to ask for the replacement card and they sent one right away, however, it had the SAME expiration date, 1/2007 so it was already expired. We called several times and they promised to send out a new card, which we NEVER got.

I am being harassed by Capital One. I have never had, nor will ever have, a credit card nor any loan with them. They call my cell phone several times a day, from different numbers and when I explain that they have the wrong person, they say they will take my number out of their system. The calls subside after a couple of days, then start up again a week later. This has gone on for months.

Applied, on-line, for a Capital One Card with 0% balance transfer for 11 months. Capital One sent me e-mail approving the card and the 0% balance transfer of $4000 from another card.

We had credit card for 4 years with 4.99% interest. Cap One recently raised the interest rate to 19.99%, which prompted us to pay off balance and close account. A supervisor added pending charges and interest to the payoff.

I recently noticed 8 charges to my credit card that I did not authorized. When I contacted Capital one I transferred into the fraud department, who then transferred me to the disputes department. I spoke with a woman who informed me that the charges were occurring from Capital One business partners and that the charges would gradually get worse. The charges would increase in domination and some would be as high as 129.99 a month!

After enjoying a 12.9% apr for many years they suddenly without notice (no letter) raised it to 17.9%. All payments have been made and on a timely bases. If my math is correct, the is raising it 5 points, or about 39% over 12.9% As their ad depicts, they are Pirates.

I was offered a credit card from Cap One immediately after my 18th birthday. I accepted and made sure I made payments on time.

I pay bills online. I tried to pay on the Capital One account several days before it was due. The service kept sending me to links that said "not available".

My bank was bought by another, account #'s changed. Old acct # on file at Capital One. Charged with late fees for 2 months with no notice at all. Then when I tried to use the telephone payment system, the CSR screwed that up and another payment did not go to the account. After making changes online, I was not allowed to make a payment for 24 hours.

With an almost perfect credit rating, and paying off our Cap 1, in full, on time for several years, we missed one payment because for the first time, we disputed a charge (and won the dispute). We were told we would be issued another bill but instead were hit with finance charges and late fees.

I paid my account off in full almost 10 yrs ago and I am now getting a bill from a collection agency for 3 times the amount of my final bill.

Several months later, I was getting phone calls constantly from an 800 number on my cell phone, finally fed up with the constant calls I answered and it was Capital One trying to get a late payment. Instead of canceling the card they continued to accept charges to it from some web site subscription or other I had made, I am guessing.

On 5/20 I called Capital One to discuss the basis for the interest rate increase on my wifes credit card. The increase was from 9.2 to 13.9. The reason given is present conditions in the market and we had an opportunity to opt out in February 2007. I let them know that a normal thinking person would not have chosen to pay more if the they had been given the notification. When I checked my account I found that they had increased my account from 9.2 to 18.9.

I open an account in Jan 1997, went through downsizing and financial hardship. I called Capitol One explained my circumstances. Their representive told me to pay $688.31, and that he would waive the remaining: $900. I scrapped the money up (a major sacrifice) and paid them in June of 1998.

I opened a Capital One credit card which was issued with an initial credit limit of $3000. I was sent a letter stating that making my first three payments on time would make me eligible for a $500 credit limit increase. I made my payments, and my April statement indicated that I had the $500 increase, bringing my limit to $3500. Less than a week later I attempted to use my card to purchase a bicycle, and the charge was denied. I was told that my credit limit had been erroneously set at $3000 initially, and that it should have been closer to $850. They had still approved me for the increase, but that left my credit limit at only $1377.

My credit card has a $200.00 limit which is all I need. However, due to fees and late payment recording, I was unable to pay and thus was charged over-limit fees. I have, many times paid $300 or more to try to control their charges, but to no avail. I have requested, in writing, many times for them to send me my annual statements, so I could see what I paid, what I was charged and the difference. I wrote that once I received these, I would call and settle the account. They have never responded to these requests and continue to call me five, six even eight times a day.

I happened to notice on my most recent Capital One statement that they increased my interest rate 80%. Since I rarely use the card, pay it in full when I do, never run a balance, and have a credit score at 800, I rang them up to find out why they increased the rate and to get them to lower it. They said no, it's their new policy. However, they did acknowledge my excellent credit rating and history. Still it made no difference for the rate.

Have held a Capital One credit card at a 4.9% fixed rate for approx.5 yrs. payments have always been on time. My credit score is 720. In April they raised my rate to 9.9%. I have contacted them and was told there was nothing they could do. I did not know they could raise a fixed rate.

We have tried 3 times to cancel our cards. These folks make it almost impossible to do that.