Capital One Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I received my latest Capital One statement to find that my interest rate went from 7.9% to 12.9%. I have a balance of about $6K so my interest rate doubled.

I received a Capital One credit card 11/06 with a $3,000 credit limit. In April I recieved an additional $500 for having an account in good standing. My average balance on the card is $0.00, and I have not paid any finance charges because I pay my balance in full.

I called Capitol One in august of 2005 to cancel my account. I was told I could not cancel and that they would not accept me closing my account. All purchases were paid for at that time. One purchase for 24.95 came one month later, I paid immediately.

I signed up for a "No Hassle Reward Card" from Capital One. I was sent a new card with a limit of $3000 and a list of terms and conditions. Initially everything looked good so I called to activate the card.

Have not received a bill this month, and it is due in three days. Capitol One says it will cost me ten dollars to pay on line.

I had my No Hassle card with a fixed 4.9APR since 2002. I never missed a payment and rarely was near my limit. Recently, I transferred money to this card based on the low, fixed APR. After noticing my APR was now 9.90, I wasted an email and 25 minutes on their phone trees/holds/disconnects. Finally, selection the option to cancel the card - would you believe I got to a live person instantly?

In December of 06 I applied for and was issued a Capital One Platinum card with a total credit line of 3,000. Since December, I have made every payment well in advance, sometimes 2-3 payments a billing cylce to ensure that a balance, never, or rarely carried over into the next billing cycle.

I think this borders on fraud and I am livid after carrying a $6000 balance with them and paying on time for years. As soon as I am able I will be transferring my balance to a reputable company. I will never use CapitalOne again.

I was given a card with a limit of $3000.00 and it was increased by $500.00 several months ago. I pay the bill one to two times a month and try to keep the balance less than 50% of the limit based on how that effects the credit.

On Feb of 2006 I joined a travel club for 3995.00. Capital one did call to make sure the transaction was authorized. On May 2006 and June 2006 the travel club put the charges on again. The travel club is being pursued by the Indiana Attorney Generals office.

Have had a Capital One Visa for several years now. I have perfect credit and was enjoying a fixed 6.99% on purchases on this card. I called and requested a second card for my daughter. I called to activate. The service specialist could not find the account and said she would have a supervisor get back to me within two days. Never received a call back, received a letter about a week later stating the account had a zero balance and had been closed at my request.

This is a Capital One Bill amount due was $537.81 which includes interest and penalties. On March 19,2007 I called Capital One and I paid 337.00 in settlement. I have since received another statement asking for $211.50 including finance charge.

I have a Capital One Visa account which was opened in January 2007, They started me at a $3000 limit, This month, I was awarded a $500 credit line increase for my good history. On April 27, 2007, they lowered my credit line to $1996. My balance is $2200, so Now I am $204 over my limit. I called to complain, and was told that nothing could be done. A mistake was made with my credit limit, and to 10,000 other card holders, and they fixed the mistake.

My credit card was stolen and used to make a lot of purchases all on one day. I reported these charges immediately. They finally removed the charges but then on April’s statement w/o notice the charges appeared back on my statement. I tried calling to see why and I was on hold for 1 hour then one week later I got a letter saying they had found no indication of fraud and charged it back to my account and this put it over the limit and so I was assessed a over the limit fee. Despite numerous calls to the fraud department I can never get through they always say the computers are down or I am on hold for over an hour and they never answer.

I checked my account on 04/23 to see that my FIXED interest rate went from 7.9% to a whopping 12.9%. I was sure this was a mistake, only to find out when I called that it wasn't.

Capital One sent an offer to transfer credit balances and enjoy a 6.99% rate FOREVER on the transferred balance. Six months later we noticed on our latest bill that the rate had gone to 11.99%. We called and were told that forever does not mean forever and that among the many inserts in a previous bill was one informing us we could opt out of this increase. This is a very sneaky.

My husband and I both have separate Capital One accounts, which boasts of REWARD POINTS that are redeemable for merchandise. At the end of last year, 2 catalogs were sent to us with our specific accumulated points noted in the inside flap of the catalog.

I just received my statement online and noticed the finance charges were about double what they have normally been. I then scrolled to the bottom of the page and noticed they raised my rate from a 5.90% to a 10.90%. I immediately called Capital One to find out why they would do this since from the time I got this card (7+ years ago) the rate was fixed at a 5.90% and I have never missed a payment and have always paid more then my minimum.

I had an account with Capital One for several years and thought the company was okay. I was very, very wrong!!!

I applied for a capital one credit card after receiving a letter in the mail. My first statement showed that I owed $12.09 and I had never even used this card. I called them and canceled my card and was told that I had to make that payment and then they would cancel my card. The next statement showed my previous payment of $12.09 but also showed new charges of $6.04. I sent that statement back stating that I had paid the previous balance of $12.09 as requested and that the card had been canceled.

We had a credit card account with capital one and have been trying to close it for over a year ! We have called on over 5 different occasions now to close our account. The first few times they told us about some 30 day period that they needed to close it. Then recently they have actually told us they closed it right away and then 3 months later we get a new statement balance for member fees.

CAPITOL ONE BANK applied charges i never incurred and refused to correct the dispute rather brings suit for several times the amount owed in violation of federal consumer laws

My interest rate went up from 12.9 to 17.9 in one month. They cite the reason that they sent me an opt out letter and I could pay off my credit card and not have credit with their company. They stated that because they wrote me a letter disclosing the rising costs of providing credit, that they are entitled to change the rates as they wish. I said that I had been a customer for a long time. My credit of course is not great because of an issue in the past. I therefore cannot just get another card.

Miles Redemption. They overhauled their travel redemption program without fully informing customers. It now takes double miles to redeem for a plane ticket. In their literature that was sent, they brag about no expiration dates for miles, and no maximum amount you can earn per year. It does not mention that they doubled the amount of miles needed.

Capital One Credit Card Company has paid zero attention to items of dispute that I have filed. Has never contacted me, in any way....I have fraudulent transactions happening, I even close the accounts and they continue to allow fraudulent charges, and issues me new cards (where I instructed them...DO NOT ISSUE NEW CARDS), where more fraudulent charges occur. they have put me in collections....I keep repeating my story over, and over...NO ONE DOES ANYTHING TO CORRECT THE SITUATION.

Lowes decided to change the banking institution which holds their credit card from Capital One to GE Money Bank. We sent our March payment on time, which was cashed on time. To our surprise GE Money Bank called us looking for our March payment. Apparently Capital One has withheld our payment, did not post our payment to our account. Now our account is past due.

Capital one did not report my monthly payment for the months of Jan, Feb, and March. Therefore, my credit account shows a high debt to credit ratio. In addition, this causes my credit score to remain the same and does not increase. When I spoke with a rep, he stated that the company only reported the payment when it made a difference in the account.

I wanted to keep the card, but only IF I could have reached the main corporate office to re-negotiate my (hard earned) interest rate they gave 3-4 yrs. ago. I guess I'm going to have to cancel the card...and find another card.

I received a special offer from Capital One for a balance transfer at a fixed rate of 1.99% APR until the balance was paid off. On April 14, 2005 Capital One paid off my Chase account of $5320.17. The APR never changed until Jan 2007. On Jan 03, 2007 I sent a certified letter requesting an explanation on how they could justify increasing my fixed APR. I have never received a response from Capital One. On 2/28/07 I talked to an account specialist and she said it would be fixed in a week, but nothing has changed.

I had a card for approximately 3 years. In August of 07 I decided to cancel my card and called Capital One. I asked to completely pay down my balance and to close my account and cancel my card. The phone rep indicated that I may receive another bill with some additional pro-rated charges but that my balance was paid and that my card would be canceled. A couple of months later I was amazed to see that my account was still open and card still active. Needless to say there was an unpaid and late balance.

My husband has been in failing health since 2002. He has been placed in a nursing home. He has mental problems and can't handle finances although he tried to. He got a Credit card from Capital One in June of 2005. I didn't know this until I got my credit report Oct. 2006. My name had been placed on the card as a debtor. I called them about it and they placed the card in Fraud Dept. Dec. 30th.,2006 He received a letter saying that he was the responsible party and they would make an adjustment on the next billing. Feb. 16th, 2007 he filed Bankruptcy as he couldn't pay bills. He is on Social Security.

I've had my Capital One credit card for about 5 years and had made a few sporadic payments just a few days past the due date. They jacked my APR to 29.2% a few months ago. I have been having some financial difficulties and was late again. They began calling me only 1 day after the due date. I made an online pmt of $128, which made my account current. After I made my payment, Lisa called. I told her I'd just paid $128 online, but she said I had to pay $327 to bring my account current. I told her no, the $128 was the Feb. payment and I just paid it so the next payment of $199 was due 3/19. She would not accept that and insisted that I owed them $327 right now. I told her that I'd need to set up payment arrangements then.

My ex-husband opened an account in my name online. Capital One has on signature on file that this is my account. They refuse to remove this loss from my credit report, even though they can't prove that I opened the account. They can press charges against my ex-husband if they wish, but this was never my account.

I was originally approved for $25,000 (25K) healthcare financing. The financing says it is good for 90 days. Within less than 30 days, I used up $11,000 to pay off one doctor and would use the rest (30 days later) to pay the other doctor. I specificially told the representative that there would be two doctors involved. When I was getting ready to finalize the payment for the second doctor, they said that I would have to refinance and reapply again. I told them that there have been some reported items on my credit that were not mine and that I was disputing them. I, was then not approved because of this...

I have been charged late fees, overlimit, etc. Just name it. When I call to close my account, and ask for a final settlement they agreed to settle for the amount of 432.13. For my surprise, they took that amount as a partial payment even if we agreed as a final payment and the check I sent specified final payment.

I signed up for a card after I got a call solicited by Capitol One offering 4.9% for life of the card. In March/April the balance was accumulated at a rate increase of 9.9% which I was unaware of. I called the service number and got a myriad of press this automated button one after another. I finally hit the close the account button and got a real person.

My wife recently discovered a rate increase with our monthly statement raising us from 7.9% to 19.9%....if we miss a payment it could be raised to prime rate + 19.9...so we're looking at the possibility of 28.15%, despite having a pretty good history of paying on time and being a customer for over five years. When I called to negotiate this down, the senior level account rep told me she had no alternative offers. When told several times this rate was unacceptable, she could only repeatedly say, I can understand why you feel that way. Nearly 20%...to over 28%? Honestly...how can these scumbags work for Cap One and live with themselves? Predatory lending at it's finest. Makes their TV ads a joke...What's in your wallet? We have to get them out of ours ASAP.

I filed a dispute against a vendor because they a) processed an amount on my card that I did not authorize or approve b) did not provide the goods and services that was contracted. I provide the contract and explained everything in writing to Capital One. To top it off, in his rebutal the vendor admits that he did not provide the goods/services that was contracted and provides excuses for not providing them. They ADMIT to not providing the goods but capital one does not honor the dispute and says they cannot do anything that I have to pay the amount. Further and more infuriating, their letters claim that my dispute was in reference to a hotel stay and it's not. They claimed that I stayed the entire time -- this dispute is NOT about a stay.

An online transaction made my account go over limit by twenty-three cents. I immediately went to my Capital One account online and transferred a payment of $20.00 to the account. Not only did I get a $35.00 over limit fee, but my APR was raised from nine to NINETEEN percent! I called to complain and get the amount adjusted and they were of absolutely no help whatsoever.

I've have two cards with Capitol One. A VISA and MasterCard, both cards have payment protection. In July '05 to October '06 I was out of work and submitted all required paperwork to activate my Payment Protection. I even made a couple of extra payments to be certain that I didn't fall behind. However, I have spent enumerable hours on the phone with Capitol One Customer Care explaining to them that my account should have never been charged over the limit fees, or late fees because I have Payment Protection. (Which started two months late).

In December of 2006 I made a payment of $325.00 to Capital One. Later in the month I received information that my account was past due and that I needed to pay over $500.00 to keep the account in good standing. I made a payment but was not able to hunt down what had happened until 1/2/07.

When I called to get a credit limit increase I was turned down, but was given another card. Soon after that they said my payments started being late, although I sent them at the same time. When I started to call in payments they would block the phone line so I couldn’t make a payment, yet I would call and enter my other account that was not due and the call would go through. They have ruined my credit!

I do not have an account, or ever applied for one, with Capital One, but they ran a report on my credit score 31 times in the past 2 years! Each time a credit check is made, my credit score went down 2 points! I really don't appreciate this.

I have paid my balance off and then charged $57.75. I went online the next day to find out that they charged me $40.00 in interest. I called and one of their reps told me that she will take care of it, the system is automated and it made a mistake, etc. 15 days passed and the balance was still there. I called back only this time to be talked back to and hung up on two times. I wrote a letter to them two days ago and still nothing.

My son, who was still in high school, received at least 4-6 credit card offers a week (all pre-approved). Capital One issued (2) separate credit cards to him without him even having a job. When I realized what was going on, I tried making the payments for him, until I made a payment a week before it was due and they claimed it was received the day after it was due and so they charged both a late fee and an over the limit fee. Since I had paid using bank money orders, I requested copies and found that they had marked the front of the money order with his account number and the date received which was, in fact, the due date.

I opened a Capital One credit card account prior to a trip to Mexico since they don't charge a currency transaction fee. We have had credit cards for over 40 years with no upper limits for our gold Amex card to $30,000 for others. Capital One issued a limit of only $2,000. After only several hundred dollars worth of charges in Mexico, Capital One denied any additional charges. I tried to access my account on line with all the correct passwords etc. to no avail. I paid the account $1,500.00 to cover any unknown problem.

I lost my job without notice. Immediately I contacted all my credit card accounts. Each and every one worked with me and I have had no problems with them, except Capital One. They refused to work with me.

I opened a Capital One MasterCard credit card account in June 2002 with a fixed 7.9% interest rate that will "never go up as long as account remains in good standing". I confirmed this with a customer service rep at the time.

I signed up for payment protection and credit reporting through capitol one. They did not inform me that it was with another company. When I canceled the card they did not tell me I had to contact these companies to cancel the two accounts. They did not bill me till the bill got to about 125 dollars, they then called for an overdue payment.They let these charges build up when they knew I had no use for them since I no longer had the credit card. They refused to cancel the charges.

I am an eight year credit card customer of Capital One, and had a fixed interest rate of 7.9% during that time. I just received a letter that Capital One is raising my rate to 12.9%. My account has been in good standing, never a late payment, almost always paid in full. I have charged over $100,000 over the past eight years. The only reason I was given for the change is that it was a corporate decision. Capital One does offer cards with a fixed rate of 9.9% for new customers only. They are not willing to help existing customers with maintaining their existing rates. They would rather lose a long-standing excellent customer rather than work with them to maintain their business. In my opinion, this is a very bad business practice, and will drive existing customers away.

I had obtained a Capital One credit card. Shortly, there after I started receiving harassing phone calls from Capital One and very shortly there after starting.

According to Capital One my payment was one day late so I was charged a $35 late fee. I have been a Capital One customer for several years and always pay more than the minimum payment so I was not happy with the fee but maybe it was my fault.

I called to settle a late payment, today 030707. They said they would process it and wave the next months late fee. I received a call just 20min later by another rep stating that they will not wave the fee and they where going to charge my account for 29.00. nyway $21. Then I receive a bill for about $52 minimum. So I pay it. the next month I receive a bill that states I have late charges that I need to pay because I didn't include the normal monthly payment (52 + 21).

We had a funding company cut a check in the amount of $4,285.00 to Capitol One to pay off the balance of the check. Capitol One processed the check as $1,285.00. When I called to straighten this out I was told I had to get in touch with th3 bank that the check was written on and get a reference number so Capitol one could correct this.

I've had a long relationship with them (5 years) and always have paid in full every month. They've attempted to negate my rewards points. Claimed false late fees and done just about every ridiculous thing in the book. Then when I review their supposed "loan" requirements I notice that it's now saying you've had a business card with at LEAST a 5,000 limit...they have my limit set at 3500 but yet I've done over 60,000 in business with them and another 30 through their auto loans.

i have tried for two days to close my account each day i sat on hold for over an hour each time the first day after waitnig for for an hour i hung up and called back later talked to an actual person then was transfered to another department just to find out that they were closed, the second day was the same situation but i ended the call before i was to be transfered again because the gentleman told me that the department would be closing in 10 minutes.

I had a $4,000 loan in 2001. I Had emergency surgery in September of 2004. I was on disability for 2 months. Could not pay. The attorney made arrangements to pay when back to work. I was told instead of paying $105.00 a month, I could just pay half, about $50.00 a month. I owed $800.00 only. In between getting better in two months from Sept to November I was harassed daily up to 7 times a day even on weekends about the money. They would call at 6 a.m. PST until after 9:30 at night. I am now on Credit Foundation Consumer Debt Program. All bills including the 3 Capital One credit cards i have on the list. I paid off one Capital One credit card last year and still making payments on the other two at $30.00 a month each. For the loan payments, I was yelled at, screamed at, cussed at, Capital One made calls to my job. I wrote them to please do not call my job and they continued. The Lawyer called last month to say Cap One is suing me. I called the Lawyers (Winn & Sims in Fullerton, CA) i don't want to go to court. They refused to cooperate. I get a letter a week or two more and says that we can solve this problem.. I was informed I owe from $800.00 now over $3,700.00 from 'fees' over the last two years and court costs. I had a bonus, which I sent them in a cashier's check of $1,000.00. I am now to pay $175.00 per month till this is paid off. This was originally a $4,000.00 loan. I only owed $800.00. Cap One will not give me information on all the payments I made automatically over the years. So now I'm stuck paying $175.00 a month and.

I opened one of the mailings that said my account was changing. In the letter I found a statement that included a bill for payment protection and there was a number to call beside the company that was billing me. I called the number. Apparently Capitol One gave my credit card number to some payment protection company and they have been billing me for a service that I did not purchase. I have never signed any contract with the company, which I found out was named Stonebridge out of Plano, Texas. I spoke with a lady at the number beside the payment protection listing on my statement. I told her I didn't by any payment protection and she wanted to know if I knew what it was, I told her I didn't, she then explained it to me. I told her that I would never buy anything like that and that I wanted my money back from them. She told me that she was only authorized to credit back two months and that I would have to write Stonebridge in Plano Texas. This has caused me economic damage as I've been billed for approximately 7 years at $29 something a month for a product that I have not purchased. Along with what they billed me, Capitol One of course tacks on interest.

I opened a direct money market savings account and setup the auto transfer for the 20th of the month. When they took the transfer I went to verify it on line and the account was gone. When I called they said it has gone past the 30 days since I opened it. They had to wait 10 business days before I would see the money again or before I could remove it.

Every month we mail our payment on time to Capital One. (At least 10 days prior to due date). Every month they state that they have not received the payment until 3 - 5 days after the due date. In turn they have taken an APR of 6.99% and jumped it to 29.99%. We have a rather hefty balance with them (20k) and that interest is destroying us.

I have an account with Capitol One. At first there was no interest, and then they started making it totally impossible to pay them off. I pay my bill online on the 3rd. of each month (It's due on the 6^th). I usually pay up to double the about owed but always more than is required. I pay on time and they still add late pays, over the limit charges and high interest. It is totally impossible to pay this bill off or even pay it down because it’s like my payments mean nothing at all. They do not count my payments until the following month.

I called Capital One to increase my credit limit and was denied the limit increase, but qualified for a new card. I never activated the new card. A few months later I pulled my credit report. Capital One was reporting me for failing to pay a membership fee (under $20.00).

I received a Capital One credit card in 1998. I had several times when I received my statement 2 days before it was due. Making me have to pay over the phone in order to avoid their RIDICULOUS late fees. In 2003 I was having a hard time keeping up w/ payments. I called Capital One to close my account and was told it would be taken care of, but I still needed to pay the balance. I agreed. However, on my next statement I was shocked to have found that I had gone over my limit (due to them charging me the annual fee). There should have been NO charge. The card was canceled and cut up.

I have had a Capital One low amount Visa since about 2003. The payments I send are usually much more than the minimum- but if the bill is due in two days, even if I have sent say 200. when all that is due is 30, I still get a late fee. I would like to send them a moneygram today but can't get in touch with anything but a robot- the robots can't answer any real questions for me like how I can wire a payment by giving me a routing number etc. It is as if the whole thing is set up so we will continue to be late and pay extra fines. I plan to pay it off and not charge anymore and see what happens.

In January of 2005, I noticed a charge on my Capital One statement from a credit protection offer that I had declined when I first applied for the credit card. I tried several times to contact the company that provided the service, but I was unsuccessful in canceling. No problem, I thought, I'll just tell C1 to deny the charges.

I am trying to refinance my house. When a credit report was pulled I found out that Captal One had reported me to all of the creit bureaus as delinquent. I was told by Capital one that we are delinquent if the payment is one day late. I don't believe that. After 6 years with them at 19.90% intrest and always paying early, they reported me.

I had (3) small credit cards from Capitol One for several years. I didn't use the cards anymore so I destroyed the cards by fire. Then waiting a month called to get the balances and paid them off over the phone. Shortly after that I called their payment protection insurers to cancel them.

Capital one charges you over $10 to pay by phone using one of their human customer service people. They also put a payment due date on your statement that might be a Sunday, so that when you call to pay you're late b/c the payment won't post until the following day.

I have a Capital One account. I just recently started having problems with Capital One. Capital One has accepted my online payments for November and December. I have paid them before the due date. I check my bank account and keep finding the payment has not been taken out of my account. About 5 days layer on the Capital One website when I check my account it shows the payment has been returned. I have had more than enough money in my account and there is no reason the money couldn't be drawn. I have tried contacting Capital One to no avail. Try their customer service number and all you get is a canned menu.

My father, who is 63 years old, has always taught me that there is great responsibility involved with credit. Leading by example, he was never late to pay a bill in his entire life. He never had any issues with credit, that is... until he tried to consolidate with Capital One. After receiving an offer in the mail for a low-interest consolidation loan, my dad applied via telephone to consolidate 5 separate balances. The customer service rep informed him that he would receive his information by mail. A little over 2 months had passed, and he received nothing. Also, one of the loans he had consolidated had not shown a payment.

I took out a $500 dental loan last spring. I paid it off early to avoid penalties. I am being harassed daily about not paying the loan off completely. I get phone calls constantly and sometimes they do not even say anything but caller id shows it is Capital One.

A balance transfer promising to be "accurate service without hassle" was anything but that. I was approved for the transfer on Oct 15, 2006. GE Money never received the payment.

I had applied for a possible credit card through Capital One and received an offer to open an account. Upon receipt of a confirmed offer, I decided against opening any account and never activated it. However, Capital One is attempting to bill me for the $39 annual fee. After several attempts to clear the issue via telephone, I was able to speak to a representative (Erma) on Sept 18, '06 and she confirmed to me the account was inactive and would be closed. They are still attempting to collect a $39 annual fee for this account that was never activated or in existence to begin with.

I made a purchase on vacation for $1230.00 but before taking possession of the items I changed my mind. NOTE: I never had possession of the clothing. The store would not give me a refund so I called capitalone to see what I should do. They told me not to worry and that they would take care of it. Well that was in July and guess who had to pay the $1230. and never got the merchandise. This process to fight with Capital one took many, many phone calls and caused an enormous amount of stress in my life for several months. May they rot in hell!!

Capital One charged me a $600 fee for a check I wrote against my Line of Credit Account. The first time I called them I was on the phone for 90 min. before they even found my acct. After filing a complaint with the Attorney General in Maine, they contacted me and reduced the fee to $450. I still felt that the offer was fraudulant because it was compared to a home equity line of credit acct. The difference being that with a home equity acct you're not chared a 3% fee every time you write a check.

I called Capitol One to request a balance transfer based on an piece of mail promising 5.9% interst. The person on the phone verified this as a valid offer. I went ahead and did my balance transfer of $2,800. Upon recieving my first statement, I noticed that the rate was at my standard 14.9%. When I called in to inquire about this error, I was informed that this offer had expired two days prior to my request. Even with this considered I was promised by the representative during the balance transfer that this was a valid offer.

Capital One has turned in a person with the same names as me for collection. I have repeatedly tried to convince them that they have the wrong person. They do not have a branch anywhere near my vicinity allowing me to walk in and prove myself, and I'm reluctant to divulge to much information over the phone, they assure me that no credit card has been issued under my name,yet they continue to harasse me. This has continued for a month, and I wish it to stop!

I have on several occasions had deposits held from hitting my account causing me to have up to 300 dollars worth of NSF charges. I also often use on line banking. On several occasions I have checked the online site to make sure that checks and payments have cleared my account. When I checked back the next day or so those same payments have been altered and I have been charged NSF fees. I am not sure as to why after a pmt is showed as cleared, that it would later reflect a nsf charge. I have called several branches and the associates are not friendly. I know of other people in the area that have had the same or similar problem with deposits being held for excessive amounts of time even when they are drawn on another capital one account. They are purposely changning account information to be able to charge nsf fees to their customers.

I signed to have my teeth financed by Capitol One Health Financing. I was lent $24,000.00 interest free for a year. I started to pay it off because they demanded payments during the year I was at zero interest. Well after I received more money because the dentist, Eastern Dental in Clifton, NJ said he was changing the plan of the implants for me I called Capitol One and asked what was the balance on my account. They told me it was around $16,050.00 and I was going to pay that but the girl said Oh, you want to pay it off? I said, Yes. She told me in that case the payoff was $18,600.00. I said how can I amass so much interest in ten days? I had just paid them $1,000.00 on July 07, 2006. She said I will have to pay because I have to pay for the year that was supposed to be free.

I noticed my monthy loan interests going up dramatically for no reason that I could identify. Eventually I was forced into a cash flow insolvency.

I've had a Capital One credit card for 3 months and am desperately trying to close same. While on vacation in May, I made the big mistake of taking a cash advance on the credit card for $300.00 - I'm still paying interest on this even though I pay the full balance each month. I have contacted the company several times and have had no success in getting the issue resolved. I have one payment left that they again have pro-rated up to the next billing cycle (with a finance charge attached) to pay this card off. My understanding from their own paperwork is that if you pay your new balance each month, there are no finance charges attached. God forbid, but it isn't true with Capital One - they are rude, they do not work with you - do not want you to close the account, etc., etc.

I signed up for online statements. I've noticed two times now that the online statement notification is sent the day AFTER the payment due date. I incurred $29 late payments fee ($58 total)

I received an offer from Capital One for an unsecured $50,000 loan at 6.99%. I applied and received a check for $50,000 at 9.99%. When I called them they said it was because I did not qualify for the lower rate. I checked the credit companies and I have no adverse reports. I called Capital One again and they said just don't cash the check. I put it in a file. I feel that this is a bait-and-switch tactic. But that's not all. For 2 months I have gotten bills for the interest. Each time I call and they tell me to ignore the bills. Why can't they just stop sending them? Each time I call it is 10-20 minutes on hold to get an unhelpful rep. I asked one rep to transfer me to a manager. His reply was, No. I don't need to do that. I have handled your question.

Capital One is consistently sending statements late. This month I discovered that I have a bill due tomorrow, and I have not received the statement yet. This has happened at least twice this year. When I call them they say it's probably a problem with the post office - but I seem to receive my other bills in time to pay them. I'm wondering if they are doing this purposely for late fees and interest charges. I have seen other postings on this site of a similar nature.

We have had 3 Capitol One cards that we though we had paid off. One in particular was a $500 card. We paid it off the first time, we thought. Then we started getting collection notices. We called and they convieniently forgot to give usthe total including the late charges and penalties. We paid it off again. Unfortunately, I am not a great bookeeper and could not find the reciept so, once again we have paid the same credit card off. I wonder how long it will take until they start calling again. Can we all band together and hire a lawyer? This is causing me a lot of stress and I'm afraid what I'll do if they contact me again.

On May 1, 2006 I was looking through my credit report to make sure all was in order. I was planning on refinancing a home and getting into a more fuel efficient car. Unfortunately all was not as it should have been on my credit report. I have been a loyal Capital One card member for over 7 years. During this time I have NEVER ONCE made a late payment. I have never made a late payment on any of my credit cards. This however was not reflected in my credit bureau report.

Let me first say, we are deep deep in credit card debt which is no ones fault but ours! we received a solitation from Capitol One promoting balance transfers and fixed interest rates. On July 5th I called to see what it was all about. I told them I wanted to pay off a $30,000.00 balance I had on a CitiBank Master Card. She told me to give her some personal information and she could do a credit check while we were talking. She read me the long agreement terms and when she was through she said I was approvedfor the #30,000. and did I want to do it. I said yes but first I wanted to know what my monthly payment would be.

You can never be connected to a customer service representative, unless they are calling you. The automated answering system is for Capital One's benefit,only. Recently, when you attempt to pay your bill online, the system suddenly is not currently working. This way, you will have to call in your payment by phone and pay Capital One an additional $10.00 for a payment by phone. I am almost paid in full. I can't wait to cancel with this company. They don't seem on the up and up.

While trying to make my monthly payment I was informed that Capital One had decided to cancel the program in which my card belonged to. I later found out that the accounts were being handled by another bank who I can only assume purchased the accounts. Everytime they claim I am being transferred to that bank I get disconnected. I then tried to call the number on my card and it states the program had been canceled. It did not give an alternate # or anything.

I had credit with Capitol One and found that thier credit practices were less than desirable. I closed my account by paying the balance in full. I sent a letter to them with the final check to express how dissatisfied I was with their credit charges. In short, I explained how I borrowed $425.00 and paid well over $1600.00 payments. Capitol One had all thse hidden charges that ended up on my bill. After I sent them the letter I noticed that they reported me to the Credit Bureau for being late. Problem is they reported different late dates to three different bureaus. When I complained about that I noticed that they made changes to two of the bureaus and one bureau still has a different late reporting period.

Capital One can not be reached by phone. There was a charge which I wished to dispute, but it was not possible to contact a person by phone. You can only interact with a computerized selection system! Furthermore, it is nearly impossible to redeem point miles. I call them, Capital One, the all hassle card!

I had a capital one card 4 yrs ago, that unfortunatly went into arrears due to a disabling accident. I made arrangements to pay $269.00 and the rest was to be written off, which was about $460. it is still being reported as an outstanding debt on my credit reports, I have disputed this and called and wrote the company with proof of payment and they refuse to acknowledge the payment. When I do get a hold of a customer service person, they are rude they and condesending, and one even attempted to lecture me about paying my bills.

We have several Capital One credit cards and just about every month at least one of them gets an over-limit fee. I write to them every month to complain since it would be impossible for us to keep track of our purchases to stay under the limit (we have 4 businesses that we use the credit cards for). They shouldn't allow the transaction if it's going to put the card over the limit! For awhile they would credit the fee but now I've received a letter saying they will no longer credit these fees. I'm planning to close all of my Capital One accounts and stick with CitiBank.

I thought I was going crazy and imagining things until I found other consumer complaints about not being able to close Capital One Accounts.

My father passed away 1-2 years ago. We subsequently paid off all his bills including the Capital One Credit Card. We then cancelled the card but not for some months after the payoff of the card and that was due to our oversight. After cancelling the card, we(my father) then a few months later got a bill from them that there owed another $3700 in charges that were accrued after the cancellation. It seems that someone got a hold of the number after the cancellation and ordered a replacement card in my deceased fathers account and Capital One sent the card to another address so the thief could run up all the charges.

I am a US Citizen receiving disability which is SSDI Social Security Benefits and SSI benefits. I have 2 capital one credit cards that I used to use but could not keep up with the payments. Capital One continues to charge high interest of about 20 percent on these 2 credit cards so the balance is increasing of this debt alone at rate of over 180 dollars per month by my calculation of the data from successive credit reports.

For the past 8 weeks I have been receiving phone calls from the Capital One collection people asking for a person who is not in my household. While trying to be polite I have talked with your supervisory people on 3 different occasions and have each time been assured that my number would be taken off of the call list.

I have power-of-attorney of my aging father's account. Last month, I managed to get the membership fee waived after 30 minutes on the phone. This month, suprise, the fee was still on the account, plus a late charge of $29 and intereste that had accrued since last month. So again I had to dispute the membership and the late payment fee.

I was a happy credit card user even with the outrageous interest rates, I'm living in Mexico, so I have no social security number, when I first get the promotional about the credit card I filled up and sent it, a person called me at that time and said it was not a problem so they gave me a credit for 300 USD which I received, my credit was increased couple of times so I reached the limit of 2500 USD which worked just fine for me since I do some business using the credit card, I use to pay on time with no problems at all, so this year I get the advise that my credit card was promoted to a platinum credit card, nice uhh?

I recently applied for a car loan and after being turned down numerous times I sent in for a copy of my credit report. I found out that Capital One bank was on my report as an outstanding debt since 1999. I disputed these charges with Expierian, but they said Capital One said the debit was legitimate.

We have just built and moved into a stilt house on a canal with direct access to the Gulf. We now understand that no inurance agency will write a homeowner's policy for us except through Citizens. Citizens is governed by the state of FL.

When I applied for a credit card in December of 2004, I was charged a membership fee of $49. I was unaware I would be charged this fee and after complaining about the fee they agreed to reduce it to $24.50 and told me that I wouldn't have to pay a membership fee in the future.

A derogatory comment was placed on all three credit bureaus and I do not have the account listed!

I have a low limit ($500) Capital One credit card. I hadn't had any problems with them crediting my payments, until I was involved in a "phishing" scam. I tried to contact the Capital One customer service, but the way they are set up it is IMPOSSIBLE to reach a human being on the phone. The only way to talk to someone was to pick the option to "pay by phone" and agree to a $10 charge.

I had a Capital One credit card with a $1000 limit. I was paying it and getting my payments there on time. Then one month they added a late fee and said that my payment did not get there on time when the statement clearly showed the payment arrived at least two days before the due date. I kept trying to pay off this account and they kept adding charges.

I first got my card when I was right out of high school. I never had a credit card before and I thought it was a good idea to start establishing a credit record. My limit was only $200. My balance had gotten up to about $180.00. I sent them a check for the whole $180 about the same time I moved to a new apartment. I was going to call the company and give them my new address, but I kept on putting it off, since I knew I had paid them off and I had not charged anything else new on the card, I wasn't that worried about receiving my statements. About 2 months after moving, I had almost completly settled in to my new address and thought to call the company with my new information. When I called, I learned that I owed almost $300! This came as a total shock as I knew I had paid them off and made no new charges.

In January of 2004, I had a Capitol one credit card stolen from my vehicle. I was not aware of the situation until I received my credit card statement. I had recently paid off 100% of my estimated $1900.00 credit debt with Capitol One, and was astonished that I was being charged with $3542.90 of transactions. Transactions that I did NOT create, nor did I authorize.

I have been battling Capital One for quite some time now. I discovered that someone used my information to obtain one of their credit cards, the funny thing is that according to Capital One they actually made payments on the card and then defaulted. I've been disputing this account through the credit bureaus and through Capital One. Each time I disput through the credit bureaus I get a response of "this account has been verified, no change".

I had an account with Capitol One Bank with a $250 limit. I used the card but did not get a statement for 2 months. When I finally got the statements 3 months later there were 3 $35.00 late charge fees even as I continued to call and find out how come I have all these service charges no one could give a good reason. I fought back and forth with the company. It was removed only to show up again 5 months later.

I applied on-line; credit limit $500 in 2002. I live on disability and part-time jobs. I was not properly made aware of Membership Fee. I went over my limit in 2003, just in time for my membership dues to be paid. Then they hit me with finance fees. Now, my debt to them is $1012+ and I've tried to close my account and even cut up my card.

I had an electronic funds transfer done through my bank to pay off my credit card balance. This was on 1/23/2004 and as of 1/30/2004 they have not credited my account. My bank faxed them all electronic information including tracer numbers showing where Capitol One had received my payment and they still have not applied the payment of 216.00. The funds have already been taken from my bank account and every time I contact them or fax them they do not take care of this problem. They still have not applied the payment. I spoke to Customer Service on 1/29/04 and was told funds would be credited by 1/30/04 and this still has not happened.

In February of 2003 I signed up with a Credit Counseling Service - they told me to send them all my bills and they would negotiate a payment plan with each of my creditors for a large fee. I paid the fee and sent my paperwork. At that time my Capital One bill was $947.96 and I had a credit limit of $1000.00. While the credit counseling service was negotitating a payment plan with Capital One it came time for my payment to them - which was never made. Because the payment wasn't made they added $35.00 for a late fee, $17.29 for finance charges which put me at $1000.25 so they tacked on $29.00 for overlimit fee.

I got a loan from my Credit Union to pay the two credit cards off. Then they turn around and send me a pre-approved Platinum Visa card. Nowhere in their information or applications do they disclose that they charge the annual fee to the card right away. I sent them a letter telling them in no uncertain terms that they are to remove that charge and close the account. They ignored that letter and are now trying to extort money from me.

Capitol One is applying similar tactics as Direct Merchant's Bank. I have faithfully paid my bill on my K-Mart MasterCard each month. Recently I started receiving "Late Fees" even though I had sent my payment 7 or more days prior to the due date. When I contacted Capitol One their reply was, "You need to send your payments sooner. If we do not receive it on the due date you will incur the late fee."

They have reported me to the credit bureaus for an account that I did not open, Despite seven requests by fax & letter, they will not send proof that this account belngs to me.

Capitol One keeps calling and harassing my mom. She's made arrangements with them and they still keep calling. Also she sent them the card back cut up and said she wanted to cancel the account. They said they couldn't cancel the account till the total bill is paid off. But they keep raking up charges on the bill every month even admitting to my mom that they put $700.00 worth of finance charges on the bill. Mom says how can I get it paid off when they keep adding finance charges on it every month. Is there anything my mom can do to get them to stop calling and adding more to the bill each month? It's crazy.

This was a new gold Mastercard with a $200.00 credit limit, no cash advances, a $49.00 deposit (billed with the first month) and a $39.00 annual membership fee (billed with the second month) and 0% apr for the first 6 months. I charged a total of $183.82 and when I got my bill it was for $381.07. Before I received the first bill they were calling and telling me I was over my limit and I told them, no they were mistaken, let me get the bill and see.

I have been trying to cancel my Visa and Mastercard accounts with Capital One and stop accruing charges since October of 2001. They are continuing to assess charges to J. C. Penney Insurance, membership fees, and late charges made after they acknowledged that the accounts were closed. I stated very clearly in my closure letter that I had stopped authorization for any additional charges on my account and called J. C. Penney and the credit care protection company ensuring any direct charge accounts to them were closed by 11/05/01.

After long suspecting delays by Capital One of either not sending statements or delaying posting of received payments,I decided to close the account. On 02APR2001 I checked my account balance online, confirmed it with a call to customer service and made an electronic transfer of funds for the complete current balance ($1149.15). Since this took place in the evening, I knew that thae actual transaction would not take place until 03APR2001, the due date on my last statement. I believed this would be the end of it.

We mailed our check of $40.99 on May 17, the payment due date was 5/27. They held my check until june 8. Then charged me 1.66 resulting in three more months they added 77.00 on something the 1.66 that appeared when they held my check.

I received a Capitol One credit card
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