Capital One Reviews

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

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

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

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

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

Potential mail fraud.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.