Capital One Reviews

These are the stupidest and most incompetent people I have ever dealt with at a credit card company. They are so sleazy. Every person you talk to gives a different story. My credit card account had a fraudulent charge on it so I contacted Capital One to cancel the card and issue a new one. I never received the new one, and they told me that if I paid using my old account number, it would not be credited to my account. They wouldn't give me the new number over the phone and so I wasted three hours on the phone trying to make a payment on my account which I cannot make. What a bunch of morons! I am cancelling my card immediately.

I noticed that Capital One had added credit card protection to my card without my permission and they have been charging me since the day I started using my card. When I asked them to cancel the fee and to reimburse what they charged me, the representative told me that they would only reimburse the last three months and told me I could call a lawyer if I would like. He was smug and cocky about the whole thing. I have been trying to get the card paid off but they said that I went over limit which I didn't; but between the card protection fees and over limit fees each month, my bill is actually going up instead of down.

Well... this starts out as my own stupid fault. I was a sophomore in college with NO job and received a pre-approved credit offer from Capital One. As you can guess, I rationalized to myself that summer was coming up and that I could get a part-time job. So I got the credit card. It had a $300 limit. About a month later, my fiance's dad had a heart attack. He lives 14 hours away so we rented a car (using my card) and went to see him. We also paid for gas with the card. The balance was around $270 when the trip was over. I made the minimum payment until the middle of junior year when I began student teaching and did not have time to work. I will admit that I did not pay on the card regularly until graduation. I did pay sporadically, however.

Capital One was charging me credit protection on a card I did not use. I cancelled the protection several times, only to have the bills show up again overdue with new charges... and interest! Once, they apologized and issued a check refund. After that… the bills appeared again! Almost every time you call, you are routed to a call center in India who says the system is down and they cannot check. Sometimes you can call again, 10 seconds later, and get through. Finally, I got through and the system was up again. They saw the problem and fixed it again.

I received a notice by mail today that Capital One is increasing my APR from 6.24% to 15.9% in May 2009. I have always been on time in my payments and pay many times the minimum payment. I will likely decide to cancel the card so I can retain the lower rate. If I do so, I'll never apply for credit again with Capital One. Their treatment of loyal customers is outrageous. It is appalling the nerve of the banks, granting millions of dollars in bonuses to their executives and then crying about what a crisis they find themselves in. They should be ashamed of themselves.

My story is similar to others posted. After years with Capital One and an excellent record, I opened up the mail today to find they are increasing my fixed rate of 7.9% to 17.9%! Speaking to a supervisor was useless; she just parroted the same lame statement about the economic climate. As I told them, this is a blatant attempt to gouge customers before a new law forbidding such actions takes effect in July! I believe this action by Capital One deserves a class action suit. Did this company receive bailout funds? Capital One's behavior flies in the face of anything intended by Congress. Does everyone understand that cancelling our accounts immediately hurts our credit scores? I'm caught between having my debt substantially increased or my credit score seriously hurt!

Add me to the list of those who have received a notice from Capital One in the past week advising of changes to terms of service. My APR will go from 6.99% to a ridiculous, usurious 29.4%! This is not a textbook example of how to treat a 10-year Platinum customer with a FICO score of 760+ who has never missed a payment. I'm going to transfer my balance to another card and stick this card in the drawer indefinitely. This move absolutely defies logic. A reasonable approach would be to analyze the customer base, determine which customers should be kept as good credit risks in this shaky environment, and then make sure they remain as loyal customers. The sub-prime and deadbeat customers should be the ones who have their APRs raised. So long, Capital One. Btw, the President of their credit card operation is Ryan **. Feel free to let him know (tastefully) how you feel about this shortsighted policy. Perhaps they will rescind it in the face of widespread and articulate opposition from loyal and profitable customers. Cheers!

I have been in a dispute of charges that were charged to my Capital One account since Nov. 1, 2008. I have provided all types of information and documentation that has been requested in a timely manner. Each time I receive correspondence from them, they require something else, which I quickly provide. I kept calling the number which I also supplied you with, but the calls were routed to India and the language barrier was sometimes impossible. I also tried other Capital One numbers, but received a person in Nova Scotia, Canada. He told me that he would connect me with someone in the US that could help me. This call also ended up in India. The reason I am disputing the charge is due to a stay (3 days) in Key West, FL at the Best Western Hibiscus Motel.

After years of being a loyal customer, they have hiked my rates to 22.9% from 12.9%. I always, always pay days in advance and well over the minimum. I started with a 23% interest rate with the company back when my credit was in trouble. But after years of getting things on track, they lowered my rate to 17.9, then 14.9, then 12.9 and then boom, 22.9?! Are you joking me? I opted out of the agreement so I can continue paying my balance off at 12.9. I'm frustrated however because I viewed this as my primary card but now it is no more, and I will never again be their customer.

Capital One decided to raise my rate from 6.9% to 15.9%. They say it is due to unforeseen circumstances. I have never missed a payment and I have been a long time customer. This is going to make the economy even worse now. How can they raise rates over 100% on existing balances?

Today, 2/12/2009, I received a statement from Capital One informing me that due to the extraordinary economic environment, they reviewed existing accounts and will be changing rates. My rate, a fixed rate of 14.9% with an annual fee for nearly 10 years, is subjected to an increase of Prime plus 14.65% variable rate on purchases and transfers. Although I no longer have the terms/conditions statement that accompanied my card upon first opening the account, I do believe Capital One is putting to use what may be their ability to change/alter the terms and conditions at any time with notice. After looking into the current Capital One offers, I can only presume, because Jennifer, the rep I spoke with could not confirm or deny, that the action is being taken due to Capital One's mission to bring all accounts to current term/rate offerings.

I've been a customer of Capital One since I was 18 years old; I'm now 26. My credit hasn't been stellar, but even on SSDI (disability from a traumatic illness 3 years ago), I’ve made an effort to keep on top of my credit payments. This week, I got a notice that my interest rate is going from 23.15% (already exorbitant) to an unconscionable 29.4%. I will never deal with Capital One again. In a time where people are already struggling to make payments and living on credit and paycheck to paycheck, many of them on a fixed income, this is a disgusting misuse of their protection from usury laws. I have never been so angry. I hope Capital One goes bankrupt! I am taking a hit on my credit profile from closing the account because I will not agree to their new exorbitant terms.

In 2003, my wife died suddenly. We had two vehicles that we were purchasing. So I called Capital One and told them to come and get her vehicle. It was in mint condition and I had that verified by the man that came out to get it. I also took pictures for my benefit. A couple of months later, I received a letter in the mail from Capital One that the vehicle in question had been sold. Luckily for me, they sold it for the amount that I was originally purchasing it. It was approximately $18,000. Capital One acknowledged that the debt was satisfied. A couple of months later, I received notice from some outfit called Paragon Way stating that I owed Capital One over $9,000 for the vehicle. I told them I had been purchasing the vehicle for approx. $18,000 and it was sold for that same amount, therefore, I was square with Capital One.

One morning I attempted to use my Capital One credit card but the card was refused. When I called Capital One customer service, I was on the call for nearly a 1/2 hour being handed off from one person to another. The third person I was shuffled off to was identified as the 'Account Specialist Supervisor'. Once again I had to reiterate my situation to her (third time on same call that I had to restate my situation). She did a research on my account and finally came back and told me there was an error made by Capital One which resulted in my account being canceled and a new card being issued. I had no knowledge of this situation until I tried to use card. This caused me and the other two members on my account all sorts of grief... which is still ongoing because I have several automated billing accounts on my Capital One Account.

We did not receive the ordered merchandise from a company. We disputed the charge many times beginning on Dec. 2, 2008. They take off the charge then put it back on our charge account. We have been yelled at, hung up on and told they couldn't help us. The reason given was because we gave our cc number over the phone? We never authorized the high amount of the charge and never received a product in return for the charge. We now owe $275.00 for a product we never received. Capital One refuses to help us. We have had a hard time just finding someone who speaks English well enough to understand us.

Member since June 2001. They raised the interest rates to 29%, will not lower rates and work with me on anything! I am closing this account and will not pay it. I suggest we all do the same and send on their way in a sinking ship or we need a class action lawsuit to put these pigs in their place. Damage to credit, but in 2009 who cares? No one is getting credit for anything anyway since all the banks have free reign under Bush's laws.

On 2/09/09, I received a mail notification from Capital One entitled "Important Information Regarding Your Account." This notice informed me that due to extraordinary changes in the economic environment, they're reviewing our existing credit card accounts. They will be increasing my purchase rate and also raising my cash advance and default rates. I have had this card for over 10 years. On 1/09/06, I called and had my purchase rate reduced from 21.8% to 9.9%. My current purchase rate is 6.85% and Capital One will increase my rate to 15.9% after 04/17/09, unless I choose to opt out, close my account and pay off my balance at my current rate.

I had four Capital One credit with a limit up to $1,000. I got behind in payment due to income. Now, I owe over $4,000. I tried to include them in debt consolidation program but they denied payment. Now they are suing me and I have two civil judgements on my TRW Report. How can I get this matter resolved?

After having three credit card accounts with Capital One and two bank accounts, they sent a notice out of nowhere for my husband's two cards. They are raising his APR on one card by almost 15% due to economic conditions and raising the default on his other card for the same reason. We are good customers and we pay on time (maybe one late payment over the past few years). I am just amazed. They hopefully are going belly up and this is the reason they are doing something so ludicrous?! I just can't believe that they can rob and pillage people like this. They should be locked up with the rest of the thieves in this country. It is absolutely appalling that such a large bank could get away with this kind of highway robbery.

I paid off a credit card in 2005 from a divorce. The debt was sent to collections. I have copies of the cancelled check and a letter from the collection agency indicating the account was paid off. After countless letters and phone calls, Capital One refuses to contact the credit reporting agencies to clear this issue. I have now retained a lawyer (at $500) to see what he can do.

After being a loyal (never late) customer for over 12 years, out of the blue they are raising my credit card rate from 13.69% to 29% with no explanation given. I had just recently taken advantage of their low rate balance transfer offers too! I now have to scramble to pay this balance off or risk paying these insane 29% rates. I now have to go to extreme measures to get this card balance paid off immediately, which is not easy to do in this tight credit environment. I will never be a Capital One customer ever again. This practice could financially destroy consumers.

After finding that I had been charged about $200 in late fees, I paid the card off entirely in the amount of $514 which was what their recording said I owed. I paid online the same evening that I found out what their charges were. I called the next morning and found that the balance was still $514 and that my payment would not be applied to my account until the next day. I canceled the card right then. Today, three days later, I received mail from them that the terms of interest had changed so I called their service number to tell them that I had canceled the card. Now, I get a recording that tells me I can't cancel the card because I have a balance of $48. I called Capital One's fraud division to let them know that they were trying to rip me off. The lady did finally agree to drop that charge and cancel the card. It seems really dishonest to me for a company to try and charge these kinds of fees after a bill has been paid.

Capital One has announced that they are increasing their interest rates drastically to a much higher variable rate, even for those in good standing with good credit scores. I have always paid more than the minimum balance and paid several days in advance of the due date. My interest rate will be going up from a fixed 7.99% to a variable rate of 24.9%. This company is taking advantage of the consumers not abusing their credit. I believe this will result in bad credit and many consumers closing their accounts, or defaulting on their accounts. Now, I need to find another credit card company that will welcome my good credit standing.

Capital One is raising my credit rate to 17.9% because of the economic environment. They also changed it to a variable rate from a fixed rate. They will be adding 14.65% to prime. Did they not get bailout funds to compensate for problems they are having because of the economy? Can they get away with that? I have the option of closing my account, which I plan to do; however, I still have to pay the new fees on the old balance. My monthly credit card bills have gone up to my already negative cash flow.

Capital One raised my APR to an unimaginable 29%, for no reason. This account has been opened for 10 years and has always been in good standing. I do not carry a balance at the moment. I have a zero balance; because of this, a representative at Capital One said that the APR does not affect me and they cannot lower the rate. Economic result is that I have an account that cannot be used because of the possible consequence of carrying a balance at that rate.

As I mentioned in an earlier post, Capital One is raising, in my case, the APR by 80% on purchases (10% to 18%) and 150% on cash advances (10% to 25%). I have great credit and no blemishes, so obviously this card will not be in my wallet any longer. Also, so others know, when the card is canceled, they must allow us to pay it down/off at the previous rate (that cannot be changed as long as we cancel it). This information is in their notice as well. As consumers, we need to call and write anybody and everybody about what is a truly appalling conduct by Capital One (I am being diplomatic). Other banks may follow suit in an effort extort even more dollars from struggling families that may be living temporarily on credit these days.

I have been a card member for 10 years. My APR was 6.4. I was never late, and never missed a payment. The way Capital One rewards me is to give me a 15.9 APR with no warning. Because they cannot run Capital One correctly now, the good customers suffer. I hope they go out of business, and they will. I might not pay my bill at all with treatment like that. It is unrealistic to raise rates by 9% in one day. There are going to be problems in the future.

We have three Capital One credit cards for business and personal accounts. These are cards with 1% cash rewards. We had 171,000 miles on one of them as of today. We called today to obtain 1% of the above which is $170.00 cash back. First, when we called, the noise level was so loud that we could barely hear the non-customer service representative. After a few requests to turn the noise level down, he basically told us that we would get $75.00 back and be charged 150,000 miles, therefore giving us back .5% return instead of the 1% they committed to. When we asked to speak to a supervisor, the rep said that's the way it was. We were bounced around many times during our phone call, rude non-customer service representatives. After an hour of trying to talk some sense into them, they have lost three credit card accounts from us. Do they care? Of course not. The same as we don't care if they close shop.

I got the same letter several others have mentioned on site. The one where they claim us as valuable customers, then proceed to pointlessly raise all our APR 10+%. Mine went from 12.9 to 22.9+, also a long time multiple account member. Lucky for me I've always kept my card limits low, and one paycheck will pay them off and earn them a spot on the shelf till they come back to their sense - and deprive them of the pittance/month they would have kept getting from me. I will have to find a company to refinance my vehicle with. I won't keep a large account with a company I don't trust.

I made a single $25.00 charge on credit card; I forgot I had used the card and did not pay the bill till it was overdue. I paid $25.00 charge plus a $15.00 penalty, plus $.50 finance charge for a total of $40.50. I thought I was once again clear and did not open the numerous ad envelopes they send. Finally, I opened one that I realized was a statement. They have now charged a late fee plus finance charges for a late fee and finance charges and now claim I owe an additional $31.06. I called to attempt to settle this and it became apparent it was a lost cause. They did agree to drop 1 late fee (that really excited me). I stated I wanted the total pay off to complete wipe out card; I was informed they couldn't really tell me.

I have three cards with Capital One since 2001. I have never paid any of them late; make more than the minimum payments; and have good credit. I received a letter this weekend that due to current economic conditions, they were increasing my low interest rate to 22.9%, and that I had to opt out and not use my card again if I do not want this to take place and close my account. This will affect my credit score. When you call them to complain, they could care less and offer you no other options. This is predatory lending in my opinion. I think a lawsuit is needed. The economy is tanking and they are taking advantage of their good customers.

Arbitrarily raised my credit card rate from 7.99% to 29.4%. I have high credit rating, never defaulted on any credit cards, house, cars, etc. I have always paid my payment on time. Usually, I carry no balance at all or pay off in full.

I just received notice my interest rate is being raised to 29% on both of my Cap 1 cards. Never been late and I have had the cards for at least 10 years. This is an unacceptable practice. I will be shopping for a new company for a balance transfer. Capital One can KISS MY **.

Capital One has been calling several times a day and harassing me, and they are also calling me at work. Today, I called and I tried to make a payment plan to pay back the 300 dollars I owe them explaining to them the interest is so high. The manager told me that they didn't have any payment plan at Capital One and that I would have to go to a debt counselor. I told him I was unable to go to a debt counselor due to financial circumstances, and I did not get any help at all. Then shortly after I got off the phone with them, they ended up calling me again telling me how much I owe, and I told her to stop harassing me, and she hung up.

I filed bankruptcy in November 1996. The bankruptcy was discharged in February 1997. One of the creditors listed was Capital One. This was a credit card. In January of 2009, I received a 1099 C from Capital One showing that the debt had been canceled on 12/31/2008. I was told when I called on Jan. 22, 2009 that I should call back in two or three days after they have had an opportunity to research this. When I called back and talked with Fiona on Jan. 27, 2009, I was told to give her the telephone numbers where I could be reached and they would be back in touch in 7 to 10 days. I still have not heard from them.

I have had a credit card with Capital One for almost 15 years. I have also purchased two vehicles through them. Both vehicles were paid off early and I always make my payments on time and more than the minimum. It’s a surprise to me when I get a card in the mail stating that my interest rate is going to over 29%. When I talked with the customer service rep, all she said was that it was a business decision by Capital One. I told her of my decision to transfer my balance to another card and that I'd be calling back to cancel after the transfer was complete. She made absolutely no effort to try to retain me as a customer. Bad on them. I will never return or use any of their financial products! A business decision by me.

I opened an account with Capital One back in 2001 with approved credit of $300. I paid them off. Now, they are calling my family threatening to garnish my pay check and saying that I owed them $1,050. The person who is calling is rude, I mean very rude.

I received a letter today from Capital One stating that after April 17, 2009, they will raise the variable APR from my current rate (6.99%) to 29.4%! When I called to complain, I got a recording saying that this raise was necessary due to the current economy. Not only do I have very good credit (TransUnion score of 837, MyFico of 760), but I also make payments on this card more often than I need to (at least 2-3 times per month, rather than once) at many times the minimum required payment ($850 payment, so far this month, on a minimum payment of $39).

I would like to spread the word about the dissatisfactory service I have been provided by Capital One. I received correspondence in the mail giving me a chance to upgrade my Capital One credit card so I called and arranged to have a new card mailed to me. I received my new card and began charging on it. I thought the balance would be put on the new card. I stopped receiving bills for the old card so I assumed the balance would be forwarded to the new card. Three months later, I started getting calls from someone claiming they were from Capital One and saying that my previous card was delinquent and that they needed my bank routing numbers. I was very suspicious.

I have a balance that has to be paid to Capital One. I have tried many times to settle this debt. I have repeatedly been hung up on and am still without any answers on how to pay this debt and to get it off my credit report.

I have been a dues paying member of Capital One since at least 2000. My credit limit was high and my rate was low. I rarely carried a balance, paid timely and consider myself an excellent credit risk. Yesterday, I received an impersonal notice stating that due to extraordinary changes in the economic environment, my rate would be changing. My rate went from 7.9% to 17.9% with no explanation. I called the company and no one could tell me why other than that I was the only person complaining and that it was happening to a lot of other people. It was a decision made by the company to keep it alive and wasn't personal. When I asked if Capital One received TARP funds, I was advised yes.

I transferred a balance to Capital One at 1.99 fixed for 6 months, and then after, a fixed rate of 4.99. The first month my account was correct. The second month, my rate jumped up to 12.90% on that balance transfer. My payment went from $98.00 to $212.00 in one month. I called, faxed, called, and called. I finally was able to get somewhere with the supervisor, and she transferred me to account manager to adjust my rate to the initial agreement. When I spoke to the account manager (who had a bunch of crap in her mouth), she was rude, obnoxious and very unpleasant to deal with. I insisted on speaking back with the supervisor and she informed me that I couldn't, and nobody could do anything thing for me. She did, however, transfer me to another account manager, and I began to explain my case, yet another time. This time, the manager said she understood and promised to review my account and get back with me on Monday.

Capital One increased our APR for being onetime late to 12.9%. That was two weeks ago. Now they raised the rates to 29.6%. What gives? For what? I missed one payment in how many years I have had this account. It would seem to me that my history should have spoken for itself. My business needs a lower rate. How can a business make purchases with such a high rate of credit line?

I have not used my Capital One card in over 12 months, however, due to their fees and my interest rate of 23.25%, I have not seen my bill go down. Now that I am over the limit, I am paying a $39 over the limit fee. I called them to ask if they could help me with the fee. I told them I was willing to pay more than the minimum due and have it automatically withdrawn from my bank account each month. They said they could not do anything except have me pay at least $134, then it would bring my account down enough. There was nothing they would do to help me with it. What is in your wallet?

Capital One just sent me a notice that my default rate would be some astronomical rate if I defaulted even though my FICO is around 800? I immediately paid balance and informed them I will not use their card.

I have been paying my Capital One credit card on time for months online. My minimum amount due was always between $50-60 and I would always pay at least $100. Today my minimum amount due was $104. Perplexed I was, so I opened the statement online to look at and found out they have been charging me an Over Limit Fee for the last 6 months of $39.00. But the bill I get in the mail does not show this. So in order for me to get my account back to under the limit, I would have to pay $291.66 today. I called and spoke to a supervisor. She informed me, “There’s nothing we can do for you.”

I applied for this card and was never sent a card. Didn’t even know I had it until I saw it on my credit report. I have called 5 times to try to cancel, and they say it is, but 6 months later, I looked at my credit report and guess what... STILL THERE.

For many many months now, I have struggled with this company due to this company’s incompetence. I paid off my whole card in November 2008, and since then, I have received many charges every single month without spending a dime. I have called them every month to dispute the charges, and they kept reassuring me that the charges will no longer happen. However, they kept coming in for the following months. It got to the point where I had to call and ask for a supervisor, who then told me that if I just paid this one charge, he'll waive the next one and there will no longer be any from previous billing cycles (I heard this one several times before).

This company holds all payment made to accounts for 2 weeks. The billing cycle is now every 14 days which violates all application contracts. This company is extorting millions per month with this tactic. My personal payments are being held for an indefinite amount of time. This procedure causes the account to be assessed with late fees and other charges associated with non-payment. I have even had these late fees push my account over the credit limit so that I was assessed with even more penalty fees. This is a systemic violation that is going unchecked and unlawful. Please help to save consumers millions.

I am being sued by an attorney for a Capital One account. I do not remember signing up for this account which was opened in 2004, and they say they do not have to provide any proof that I did sign up for it to sue me because there are charges on the bill. Also, after looking closely at the copies of statements sent to me by their attorney, I noticed that there are two credit cards listed in the fine print below the charges that Cap One says I had and went into default at the time. When checking out these two cards, there are no records of them on my credit report or anywhere else. The statements show that when these unknown card numbers were listed on the statement in default, the interest on the statements went up to 25.99%.

I feel it is ridiculous that I was paying a yearly membership fee for a credit card which I never used. Nia, the sales manager, gave me two options - pay the fee, or cancel my credit card (which hurts my credit score). I feel the way Capital One does business is extremely unprofessional, and the company is a disgrace to business ethics. This note goes simply to the hardworking American citizen which is forced to make these decisions. Capital One should be ashamed the way they do business! Capital One is hurting my hard earned credit score!

After getting a new card, I transferred balance with stated APR of 0% for 12 months. I double checked with them to make sure it was 0%. They started charging me around 14% from the very first month!

For about 8 months, I've been trying to rid me and my husband, an army soldier, of the 3 cards we had with Capital One. I had been trying and due to my age, 20, I believe they thought it was going to be easy to tag me along. I may be 20, but I'm a full time student, work 2 jobs, have my own house, my own money, and my own car. They were treating me like a child. I got my mother, a very experienced lady with many years of handling credit companies under her belt, to call and speak to a representative about the mafia high interest rate they had me on, the countless fees that are being pulled out of hats left and right, and the overall unfairness of the company. Now upon dealing with her, my card was finally closed.

I closed my account and Capital continued to bill me. Now they added the charges to my credit report. Consequences: This made my score worse that it is and physical and emotional distress.

I can't believe all these complaints. Is anything going to be done about this or are these seen as a joke to Capital One? I've been paying and paying on my card, and the balance stays the same. I've paid hundreds of dollars on my card and the balance always manages to come right back where it started. I've read such horror stories about people not being able to pay off the card even when they pay it in full, that I'm discouraged to even send money to them anymore. I tried to get my 25% rate lowered. After talking to three different people, I ended up with the same "my hands are tied" routine.

I have gotten into a situation with a lawyer representative for Capital One Bank. I am requesting the attorney to supply me with my account info and all fees accessed to make my $400.00 into $1,087.37. He is telling me that he does not have to supply me with this. I think he does. This is a company that preys on the consumer. Consequences: Poor credit reporting and also now saying he is going to take us to court. Threatening manner on the phone. Capital One will not supply us with the info once it is in collections.

I have been a Capital One customer for many years at 7.99%. I have always made my payments on time. In 2007, they raised my interest rate from 7.99% to 12.99%. Capital One told me on the phone that it was a market realignment to help Capital One as a company. The letter they sent stated that if I quit using the card, the interest rate would stay at 7.99%; but if I use the card, then the interest rate was going to 12.99%. The only purchases on the card every month was payment protection so the rate went to 12.99%. $225 payment, $42 goes to balance!

On November 28th, 2008, I paid off my healthcare loan with Capital One. When I first got the loan, a representative from Capital One called me and I decided to set up automatic payments to be deducted from my checking account in the amount of $250 per month. On December 26th, $250 was deducted from my checking account to Capital One even though the account had been paid in full and closed a month ago.

I received a pre-approved credit limit of $300 but was charged almost double. This company deals in deceptive and illegal practices. I've had fraudulent transactions I did not create or authorize. Because this, my credit has gone down. I had good credit before this happened.

I am disabled. Capital One got my phone number from the telephone directory, and now I am harassed on a daily basis for a man that died in 2006 apparently for a balance due on a credit card account. I got information from the deceased person's relative and took the information to court to prove his death. Now Capital One is sending sheriff department to my door in addition to daily phone calls. The deceased name is James **, social security number **. I have had no affiliation with this person since 1991. How can I get them to stop harassing me? I am totally stressed out. This is frustrating. I tore a ligament in my knee answering a phone call from them.

In July 2008, someone opened a Capital One credit card in my name. In Aug. 2008, I started receiving the bills. I put the alert on my credit reports, called them to report the problem, and filed a police report. They told me I would receive some forms to fill out and return and someone would contact me for a statement. I received no forms or contact. Instead, I received a letter stating they had investigated and were holding me responsible. I then called back and told them of this. Again, I was told to expect some forms and a call. All I received was the same letter holding me responsible. I was never given an explanation why or how they came to this conclusion.

I received an application in the mail at home to transfer existing high interest credit card balances for an interest rate of 0% APR until January 2010, no annual fee. I was going to pay off all my credit debt before January of 2010. Great! I applied over the phone to "Confirm" the 0% APR. I was "assured" that because my credit was good I rec'd the 0% offer. I was directed to a website and completed all necessary information. When I rec'd the paperwork in the mail, the interest rate was not 0%; it was now 8.15%.

They call my number 3 to 5 times a day. I have asked them to stop calling in writing and told them that this number is registered with the National Do Not Call; but they keep calling even on Sundays and holidays! They are driving me crazy!

I have been with Capital One for many, many years. Now that you are outsourcing your marketing, whoever is doing the data entry has decided they know better how to spell my name than I do. How do I get this corrected? Right now, my account is in two different names. I want to get this corrected.

Okay, here it is. I closed my Capital One cc due to divorce and also I wasn't happy with the service. I asked for the total amount owed and happily had it debited out of checking. I also made sure in no uncertain terms that I wanted my card cancelled. I even asked the individual on the phone if he understood. Well, about 3 to 4 months later, I get a phone call from Capital One collections saying I owe $80. Looking into this, I find that my Xbox account billed Capital One. Now, if the card has been closed, shouldn't the cc company deny payment? Oh, one other thing. If it is my card, then how did my ex-wife's name get on the account? It was never mentioned in the application. So how did she get on there?

I applied for a business loan and was solicited by Capital One. The ph # for them is no longer valid, and they told me it was backed by the SBA and it is not. On the paperwork, it says they needed personal info for SBA, and then they put the business loan as a personal loan unbeknownst to me. Recently, we are trying to sell our business, and now I have this loan under my personal name (which I did not agree to) instead of the business! I have sent letters, faxed, and called, asking for the paperwork or recorded call that I agreed to a personal loan. No response. I was acting as an LLC member duly-authorized to act on its behalf. I feel this is fraud. This loan was to be sold with the business as a business loan. It has called much aggravation and headache, and now we were not able to get it included with the business because it is under my personal name! I'm out $50K!

In mid-December, I was preapproved for a healthcare loan from Capital One in which I was told would be filed the month of surgery, which was January. I haven't received any bills but have gotten three calls in the past 4 days regarding the account and being 14 days past payment. I'm happy to pay; however, I've never received account info (number, etc.), contract for account (other than a pdf of preapproval) and no bill in the mail. I expected that I would see something in the mail this week (surgery was yesterday). However, I'm shocked at Capital One's faulty billing system, lack of ability to send actual contract of details and more.

I contacted Capital 1 & sent them copies of disputed charges that I found on my statement on 6/10/2007. I also sent them a copy of the identity theft report I filed with the attorney general's office. They tried to tell me that they never received anything at all. I had the account forever & never had any problems. When I found huge charges for adult dating sites & porn sites, they told me to continue to make payments while they investigated this. Their resolve was that I was totally responsible. They also let this idiot go way over the credit limit, now wanting to charge me $5000 on a card with a limit of $1500. They have now filed in court on me for $3000 plus 27.9% additional interest & court costs. Because of this, not only is my credit ruined, I had to sell everything including family heirlooms at a horrible auction that didn't even bring me enough to pay hardly anything. I also had to give up my freedom & move in with my in-laws at 42 years old. Bankruptcy is my next step.

I have been a loyal customer with Capital One for many years (at least since 2002) and recently, without warning, I got a letter saying that they were terminating my account for inactivity. No call, no letter, no notice that I should use the account to keep it active. Instead, they just canceled me without warning which will affect my credit report and lower my credit score! No one I spoke with could offer me any kind of satisfactory resolution such as having me begin to use the card again in order to reactivate it. No, just good riddance and who the heck cares about your credit score? No hassle? No hassle for Capital One because apparently they are in the business of treating their customers like garbage - even the ones that handle their credit wisely. Would they also treat me the same way if I ran up my charges and then didn't pay? Yes, they'd probably suspend my account just like they did!

I transferred about $9,000 in other credit card debt to a low interest 1.99% rate with a 3.99% normal rate. I had the card for a couple of years and was paying it down slowly due to the low rate. The interest was being moved to the higher rate, which was understood. One month I received a letter stating the 3.99% rate was being raised to 12.99%. I called them and they said they could raise it, and I could cancel the card if I didn't like it. I had about $6,000 left on the card.

I had the promotional APR of 1.99% until the end of Sept 2008. During the summer of 2008 (July-August), I called Capital One and asked them about the payment in full option. The associate told me that the promotional APR can be extended till the life of the balance and that the interest henceforth would only be 1.99% APR. He also said that he would triple the bonus points if I made a purchase with the credit card (knowing fully that it would lead to an automatic increase in APR and the rates would go up dramatically).

repossession. They say I need to do the paperwork to fix the problem. Now, my credit score is shot.

I have tried, on the course of 2 years, to pay Capital One. They refused a check and turned me over to a law firm. I told the law firm that I will work with Capital One directly. Capital One still refuses payment and put a lien on me. I have been trying to pay this company for years. They refuse payment from me and turned me over to a law firm, who wanted twice the amount owed. I do not deserve to have this emotional crisis in my life.

I contacted Capital One to cancel membership I never signed up for. The membership fee are applied annually. I spoke with Kay, an account specialist who tried to wave the fees, but Kay stated she was unable to give a waiver. I inquired about their rewards program as a consumer, but was told I was not entitled to the program. I stated I wanted to cancel the card. I was unable to cancel my credit card. I am being charged $39.00 for membership I did not subscribe to.

Capital One Bank has wrongfully refused to honor a floor plan financing agreement that was renewed and signed on July 1, 2008 for a term of one year. Specifically, the Credit and Security Agreement (CSA) entered into this matter provides for a (1) one year term, which was not scheduled to expire until July 1, 2009, unless sooner terminated pursuant to a default. Their termination was expressly based on a business decision without relevance to any of the terms and conditions of the CSA.

I would like to report yet another experience with Capital One that suggests impropriety on the part of the company.

Capital One should be reported for being nothing but a fraud. Over the limit fee erroneously put on and $80 a month service charge. My credit was almost hurt. Frustration and extreme anguish.

I realized that a monthly fee of $5 was being inappropriately attached to my account. I called to cancel when I realized what was happening and was told the fee would be taken off. It wasn't. I didn't receive a bill for the next period, so I thought the matter had ended. Capital One sent me a bill with a $15 charge for $0.13 in credit protection on $5 I didn't charge. They are ruining my credit over their own incompetence.

I opened a Capital One account and I started out with a $300 balance and added the unemployment and fraud protection which was around $5.00 for both. My first bill came in; I paid it, then I received an over limit fee on my second bill. I never made any charges on my account, although I was right at the limit. My problem isn't that. My problem is that they charged me several fees, and when I called to resolve this issue, they said they would credit my account $100 when I paid $100. So I made the $100 payment, that should have brought my account down to $100 or less. My account is at a standing of $435.85. I have not made any charges since the very beginning of my card. And get this, I received a collections notice from Allied Interstate the same time I received a bill from Capital One, but the balances don't match. Capital One says I owe $435.85 and Allied Interstate says I owe $644.02.

I emailed Capital One on Saturday, the 10th of January. I told them that I was having some medical problems and would like to see if I could work out some kind of payment plan with them because I didn't want to fall behind in my payments. Plus, I didn't want to have this on my credit score. Their web site said that somebody would get back to me within 24 hours. And here it is now Monday evening and I still haven't heard from them and I also explained to them that because I am disabled, I only get so much a month to live on. Right now, all my medical bills are starting to really cut into what I get every month. The only answer I got back from them was an email wanting me to update my email address. Excuse me, but I did that back in November. If they aren't going to help me with this problem, then why am I paying so much a month for this product that they have for when you get disabled or laid off from work? I know I'm already disabled. But now, these medical problems are starting to come up. After I saw their last email, I don't think I'll be paying them anything more if I can't get the help I need. Then what's the use? I hope somebody can help me with this situation.

I had two credit cards from Capital One. One I had no problem with and paid it off. The other, I was paying two and sometimes three times more than the required minimum payment each month. During this time, I was not even using the card. I just wanted to pay it off also. But each month that I received my new statement, my bill would at least be about $25 more than the previous month. I called the number on my statement and asked the woman if there might be some mistake. She refused to do anything about it. She was very rude and said that it was all my own fault and that I got myself into this mess. I asked again to at least look into it, but when she became nasty, I hung up. I felt then that these people are robbing me, and I wasn't going to take it anymore, so I stopped my payments. Now, I have been served papers that they are suing me. And yes, I will need a lawyer, because I cannot afford one.

On 12/26/2008, I logged into my online account to pay my credit card. I usually pay the whole amount. I noticed that there was a $59 membership fee charged in November 2008. After I paid my entire balance plus $2, I filled out an online charge dispute: 1. That I will not pay to carry a credit card in my wallet; 2. I wanted my money back; and 3. if they were to continue to charge this fee to cancel my account and return my money plus the extra $2. On January 9th, 2009, I got an online statement. No response dealing with this fee from Capital One about my merchant complaint other than two confirmations of receipt of my online merchant dispute complaint on 12/26/2008.

After reviewing my most recent credit card statement and discovering that an over-the-limit fee was once again arbitrarily applied to my account, I sought recourse on the web. I feel fortunate to have uncovered similar experiences and sentiments from fellow cardholders. I accepted Capital One's card offer after several years of trying to rebuild my credit. I thought I'd start anew and looked forward to having a good relationship with them. I was reluctant, however, to use a card that carried an annual fee. Later, much to my surprise, I discovered that this company seems to do everything it can to keep cardholders in debt, despite innocuous gestures that suggested they were simultaneously interested in my business as well as the prevention of unnecessary debt.

In Oct. '08, I informed Capital One that I was having financial problems and continued to make partial payments. On 12/24/08, the vehicle was repossessed. I called the company to find out about reinstating the loan and getting the vehicle returned. They neglected to give me all the information needed. There were numerous phone calls to make payment. On 01/06/08, money was sent by Western Union with request to call when they received the money. To date, there is no phone call. I requested to speak with a supervisor and was denied. They told me they would have someone contact me. To date, there's been no call.

Update: I reported last Nov./Dec. that Capital One paid an electronic debt on my closed account. They waited nearly a year to let me know that my $35 bill was now $210 and climbing. I was able to find help after weeks of runaround and received my letter saying that my account was closed with a zero balance. I was relieved. That feeling was short-lived. I am still getting calls and letters from their collection company even though I have sent copies of the letter that was sent to me. Now, Capital One has to let their collections company know this is real, before the collection company will accept it. The collections company sent this letter to Capital One on Dec. 14th. Almost a month later, they still haven't heard from them. This couldn't be legal? I won't even go on a rant about all the calls and horrible not-any-help people who work for this company.

We have had a personal loan with Capital One for 5 years. The final and last payment was due on Jan. 3, 2009. All payments were automatically deducted from my bank account each month. On the 3rd, I called on my account; I found the information wrong. I called on Jan. 5th and talked to a Nixon. I asked him to check on my account. He told me that I had two payments left and my balance was $462.74; I told him that was not correct. I had one payment left and he then agreed with me. I asked him why the last payment had not been deducted from my account and he told me that the last payment was never deducted from the bank account, but I should have received a letter to that effect telling me how to pay for my last payment.

I received a letter telling me my account was placed in a suspended status and would be closed 60 days following the date of the letter (12/17/08). I called them to find out what the hell was going on. They said that because I did not have activity in the last few months, they did not want me as a customer and they were reducing their extended open credit. I have perfect credit overall, no late payments with them, no delinquency, nothing bad or late or nothing. Perfect standing and they want to cut me lose. They said they didn't really know why they were closing the accounts in good standing, but they were not cutting, suspending the delinquent or accounts in poor standing.

I just checked my Experian Credit Report today and noticed multiple credit inquiries in 2007 by Capital One without my consent whatsoever. I have never applied with them in 2007 nor at all. My phone call to Capital One didn't help as I was referred to writing in detail my dispute to a Capital One Credit Bureau Dispute Department. My understanding is that multiple soft or hard inquiries can harm your credit score. For someone like me who is trying to repair their credit, it's like sticking your foot on top of someone sitting in quicksand. It seriously jeopardizes my faith with agencies that hold my livelihood in a file.

They called me and harassed me about my car payment, which is not behind. They were supposed to do a deferment 2 years ago, but they put it at the end of all my payments. They said they would do it then. They didn't give me a time limit as to when it had to be there. I sent them $35 to do it. Then they said they would, but they didn't. The reason that I asked for a deferment was because my son was diagnosed with pancreatitis and almost died. I had to pull all my money out so that I could pay my hospital bills. They told me that I was behind a payment and they have been harassing me ever since. There is a law against harassment in Georgia. Please look into this matter for me and email me at ** with your results. Thank you.

I have been trying to email Capital One to try and resolve overdue accounts. When I enter the email address and write my letter, I keep getting "enter a valid email address." I have checked my settings and everything is accurate. I have been trying to get reduced settlements to get these accounts resolved. Because of my disabilities and tragedies, I got way behind because of their late fees and other fees that accumulated to the point where there was no way to catch up. Please help, thank you. Both accounts are in credit bureaus.

After having paid off a personal loan I had with Capital One by electronic transfer in full on December 9, 2008, my usual monthly deduction was also made. This second deduction from my account constituted an overage being taken out by Capital One. I called Capital One three separate times (December 15, 2008; December 26, 2008; and January 7, 2009) to ask about them returning my money. I talked with the customer service representatives listed above. As of January 7, 2009, I have yet to receive the excess money that Capital One has taken out of my account. I do not understand how I could have received a letter dated December 8, 2008 that said my account had been closed and yet as of January 7, 2009, I have not received the money they took from my account after the account had been closed.

Someone called to see if we could work out a payment arrangement on my account. My wife lost her job in April and I lost mine in September, so we started to get behind. My principal on this card is $495. They want $1,173.87 that includes many fees. They wanted the balance of $1,173.87. I said if I had that kind of money, we would have not been behind. They would not take arrangements from me at all under $400 installments. Now they said they are going to sue me and take me to court. I was offering to pay them $100 plus month to get paid off. Brian at Alliance said, "Too bad, no deal. See you in court" and hung up on me. Then everyone wonders why people are forced to seek bankruptcy when it is not wanted.

They closed 3 of my accounts due to non-use. They want us to use the cards so we carry a balance. I chose not to use them. Now my credit will take a big hit. Why cannot these companies be stopped or regulated from doing this? My credit score goes way down as a result and it makes it harder for me to get a good rate on other cards. It makes me feel and look like a deadbeat.

I received a form letter stating, "After conducting a periodic review of our existing accounts, we noticed that you have not used your Capital One credit card for an extended period of time. As a result, we have suspended your credit card account and will close it after 60 days." I have had that card since 2000 and have used it, but not lately. I called and talked to CSR and she told me there was absolutely nothing she or her supervisor could do. It was final, account closed, no options. Having an account for 8 years and other business accounts with them that have balances, I cannot understand why they are so inflexible. There will be now at least two consequences to my credit score: One, I have just lost a long term account; and two, I have lost X amount of available balance, which will make my balance to available balance, worse.

Wow! I wish that I had done some research on Capital One before accepting their 0% interest credit card offer. My payment was due on November 27th. I paid the payment online on November 10th and as is my practice, I kept a copy of my confirmation page showing the date and time my payment was made. The money was withdrawn from my checking account a few days later. I received my statement in early December and found that the payment had not been credited to my account until November 29th. I had been charged a late payment fee of $29 and an over the limit fee of $39.

I have had an equity account with Capital One for about 7 years. I received a bill in the mail every month except for the past 2 months (needed an address to mail the bill to). I called Capital One, spoke to a woman from India (who I had a lot of trouble understanding). I asked for a supervisor. She said she would handle the complaint about not receiving a bill. She never would put a supervisor on the phone. Anyway, the Capital One lady tried to charge a late fee (which I was able to talk her out of once she checked my past payment history; bills have been paid on time/before due with over the amount due going in).

When I tried to gain access to my accounts online, of course, Capital One required some information from the card itself. I have had my cards with them for over 8 years, and had cut them up a year ago. So when I called them to get the info, they couldn't provide it and told me that they would send replacement cards. I really do not want the replacement cards; I just want to have the ability to pay online. So, they offered to take a payment over the phone - for a fee. I told them a fee to make a payment is out of the question. Instead, I think I will send them 38 separate checks for $1 each so they can pay someone to sort them all out in their mailroom.

I called to find out why my credit card had been placed over to the collection department. I found out that my payment was late making my account over the limit by their charges. I called and told them that my payment was processing and I guess had not been received due to the holidays and asked that they reverse the fees so that it would come out of collections. They informed me that the only way they could do this is by me making an over the phone payment. I told them that I could not do that due to the fact that the $100 payment that I made was processing and if I gave them any more money, it would bring my bank account into a deficit and then I would have to pay a bank fee on top of everything else.

I used a convenience check by Capital One Bank for a period of 0%. After my first bill and payment, I never received a bill. The second month, I didn't receive a bill. I managed to remember to make an online payment on time. The third month, I didn't receive a bill. I forgot and managed to make an online payment four days late. The fourth month, I received a bill charging me a late fee of $39 and now charging me an interest rate of 20.99%. I believe that the credit card company deliberately failed to send me a bill so that I may forget, giving them the opportunity to slam me with late fees and high interest!

I received a letter from Capital One complaining about how I was not using my credit card! I am a very responsible credit card holder and they dropped me in a split second just because I was not racking up a ton of interest! They are an awful company only out to make a buck. When I called to complain, they could not wait to take me off the phone and cancel my account because I was not spending enough money with them. I am on the verge of starting my own business and with these hard economic times, I would think any credit card company would be happy to have such a reliable client who always pays their bills on time! Don't trust Capital One!

I have had a Capital One credit card for 10 years without ever having a problem and always paying any bills. Well, I haven't used the card in a couple of years and all the sudden, I get a letter saying my account was suspended and it would close in 60 days. I called customer service to get them to reinstate my card and they would not! I even talked to a senior level Indian rep and he said that they had many complaints about this and had closed hundreds of thousands of accounts! This was my longest open credit card and closing it will probably hurt my credit score! I hate Capital One. They suck!

I have been unfairly charged overlimit fees on the same purchase. On November 28th, a single purchase of $113.00 brought my balance over by about $70. An over credit fee of $39.00 was immediately charged. When I paid my November balance, a minimum payment was shown of $40. I paid more than the minimum, however, I did not see on the payment page any further amount due. My next statement charged me an additional $39 over limit fee. This is for the same overcharge that I have been penalized for.

Some time ago I had three credit cards with Capital One. Due to disability, I became unemployed in January of 2004 and was unable to work for eighteen months. The cards went into collections and were charged off in the Summer of 2004, with the resultant impact on my credit. That's just my tough luck. However, Capital One makes a habit of re-reporting those charged off cards to the three credit reporting agencies every month. There is no need for Cap One to be doing this because there is no new information on any of those accounts since they were charged off over four years ago. The problem is that Capital One's habit of re-reporting the accounts harms my credit.

I signed up for a cash back Capital One account on their build your own credit card site. The card promised 1.25 points for every dollar spent. This sounded like a good deal, so I signed up. To my surprise, they played a slight of hand on the amount of points needed to get cash back. Most cards provide $100 for 10,000 points; however, this card only provided $75 for 10,000 points. So they provided the illusion of getting more points, but actually provided less money back. To add insult to injury, I was charged numerous fees after missing a payment deadline by 2 days. Since I always pay my balance in full, I was more distressed to learn that they would only refund the late payment charge and would not give me a break on the interest charge.

I ordered a Foreclosure Package a year ago September. My wife sent it back thinking we got it in error. When I got the bill I called and told Capital One I didn't get it. 3 months later the package shows up at my address. My wife sent it back with a receipt from the Post Office. Capital One refused to give the credit for the package. Over $400. My wife pays her credit card on time and the interest rate keeps going up, now a 27%. They claim they review the account to lower the rate but they never do.

I had opened an account with Capital One many years ago. They allowed unauthorized charges on the account, which led to my account being maxed out and I was not gonna pay for something I did not do. I received a summons from a man that came to my door yesterday. It claims that the attorneys Farrell and Seldin are suing me on behalf of Capital One. The summons looks like it is from the second district court, but there is no court date on it and there is a page contained in it that says If you owe the money and would like to arrange to pay the debt, please call our office prior to the Court Date. This may avoid the necessity of you appearing in Court. The telephone number is 1-866-796-8300. This is an attempt to collect a debt and any information obtained shall be used for that purpose. This communication is from a debt collector.

I sent in two payments - same envelope-to Capital One Card Services- sending them express mail through post office. The express arrives on my due date of payment, yet Capital One would not post my payment until the next business day, not giving me credit for payment being there on time. They charged their excessive late fee, and when I tried to talk to someone regarding this, they were BEYOND EXTREMELY RUDE!!! Are there nor English speaking people anymore at these companies? When I did finally talk to someone in charge, I told them I was going to report this to consumer affairs and Attorney General's office, and Better Business Bureau, I was advised Do what you have to by Capital One rep. They were not willing to work with me, even though I had the proof it was received. I have never had trouble with any of my other card companies. Capital One, as far as I am concerned, gives false advertising on TV - They are **!

Capital One is my son's only credit card and Capital One suspended/cancelled because it has not been used since July 2007. My son is a soldier stationed in Iraq. In 2 months, will be returning to the U.S. and be given leave to visit family. Because Capital One suspended his only credit card he will not be able to book his flight home. He called Capital One and spoke to a Sr. Acct mgr and explained why the acct was not being used because he has been stationed out of the country for the past 15 month and they were not willing to reinstate his card.

I made two payments on my account in November, one for $239.77 Nov. 5th and one for $252.62 Nov. 19th. When I got my statement at the end of Nov for a $7.25 balance and a $7.25 minimum payment due Dec. 17th I ignored it because in my mind, I was paid ahead. Boy, was I wrong. They immediately slapped a $39.00 late payment charge on my account and then Dec. 26th started calling my house with courtesy calls telling me I needed to make a $52.32 payment. I tried talking to this man but he was from India and I could not get through to him that I had paid my payment early. He just kept saying you have to make a payment. I finally told him ok I would through my bank.

In August of 2006, I paid off a balance of $5000.00 dollars on my Capital One card. At this time I discontinued use of the card. In November of I told the company to close my account, because I was dissatisfied with the way they did business. I assumed that the account had been closed, and I did not receive any more statements from Capital One, only offers for more credit. In April of 2008, I received a call from a company (don't recall the name) asking to verify a purchase of over $2000.00 dollars. I told them that I had made no transaction and that the account should have been closed. They told me to contact Capital One and find out what was going on. I did so and spoke to a lady who took all of my information when I explained what had happened. She was very helpful and I thought, "That was easy!" Well to my dismay I began to receive statements from Capital One asking me to make payments on the balance which was almost $12,000.00 dollars.

I got a letter in the mail last November saying that I had been pre-approved for a Capital One credit card. I used the card but didn't charge up to the limit. The first bill I received it was over the limit due to a membership fee, and then an over the limit fee. This is where it all began!! I lost my job and was not able to make the payment on time. But I did make the minimum payments they had listed on the statements (when I received a statement). Some months I didn't even receive a statement and had to call to ask. The excuses I received was wrong address, statement late going out, etc. The harassing phone calls began every day beginning at 8:00am till 9:00pm at night.

I have credit cards, and have been having complications for a while now. I have been attempting to deal with this company on my own and it is getting more difficult. They latest issue is that I entered into a Hardship Agreement with Capital One, on their terms, and I held up my end, however they did not abide by their own terms of the Agreement. I have tried to discuss these issues and get the accounts corrected. I have been told that my accounts would be escalated to supervisors, and that the supervisors would be calling me.

Received a text message at 9:17am Dec. 20, 2008 from **. Message reads as followed: YOU NEED TO VERIFY YOUR CAPITAL ONE ACCOUNT (UNUSUAL ACTIVITY), CALL AT 877.872.6208. I do not have a Capital One credit card. I'm not saying Capital One are the scammers, but, whoever it is is using their name. Did I call? No. Did I text back? Yes and it came back rejected. Some people might though call the number and do as they request.

My account was suspended without notice as well. I haven't used it in a couple of years due to being responsible with my credit. I needed to use it at the first of the year for business purposes/cash flow and I got this letter they were suspending effective immediately. I called about it and it was obvious they didn't care and no longer wanted my business. They did suggest that I reapply for a credit card. That does hurt your credit and it is unfair for them to penalize you for being responsible.

I have paid my monthly payment to Capital One (personal loan) on time regularly for the last 4 years. I recently sent a check for $1600 to payoff the account. The check was not getting posted to my bank account so I called Capital One to find out the payment address had changed, as well as my account number. The person I spoke with said I should wait another week to see whether it gets posted. If not, I should cancel the check and courier a new one (by this time it was 8 days late). This is what I did and I had the check tracked by the post office. The post office said the check was delivered on the 12 of December, it is now the 28th and it still has not been posted.

They are not sending me statements and when they did, I noticed about a $700.00 in interest charges from April of 2009 until September 2008. In April, it was $400.00. As to my statement in September 2008, it was over $1000.00 and Oct. until now I have received no statements.

My card was 2,050.00. The next month it went to 2,123.00, and now today it's 2,303.59, in just 3 months with two charges of 39.00, and now a membership fee of 19.00 a month at Capital One credit cards.

Going online to make a payment on my vehicle loan. I have a statement in hand that reads I owe $160.34. On their website it says the amount due is $239.40. I tried to make a payment of $200 and it wouldn't accept anything less than $239.40. I called customer service and was told that you can only make the minimum payment amount on the website. I asked them how much I had due and they said $160.34. So I asked why does the site say $239.40 and was told that was what I contracted to pay each month and the fact that I owed less than that this month means I would have to find another way to pay. This is crap.

A year ago I told them (Capital One) to close the account, and they failed to do so. In march of 2008, I paid off the existing balance, and the check was issued by my Credit Union, marked as PAID in FULL. This did not stop CO from continuing to bill me. They claim a charge was placed after the pay off date. I DID NOT authorize this charge, and told CO that fact. They have called me for to twelve (12) times per day, everyday for nine months. I have told them repeatedly to clear their books, correct the error, and stop calling and they refuse to stop or take any corrective action.

I received a letter that my account was to be suspended since it had not been used in a long time. I had not used it due to previous problems. The letter said that there was a Rewards balance to redeem that should be done before the account was closed. I called today to try to redeem the Rewards. The first time, I spoke to Customer Service, I told them I did not have the full account #, but they were able to pull up my account without it. I did have the last 4 digits of the account. They said I needed to call the Rewards Department and they would send over the account information. I called the Rewards department and they said that the account was not sent over and they did not have the account numbers.

I received a pre-approved office for a Capital One MasterCard in the mail back in November of this year. It was for a 0.0% APR introductory rate for the first year and 6.5% APR each year after. I went online and filled out the form on their website and after submitting the form online I received a message advising me I would be notified by mail if I was approved. For the next several weeks I did not receive anything from them.

I had a Capital One card with 7.99 fixed Interest rate. I primarily used the card in case of emergency. I have had no need the use the card for the past few years and now they are closing the account automatically. Consequences: Pain going through an application process. 9.99 variable rate instead of the 7.99 fixed rate. Credit score dinged because they had to do a credit pull on my credit.

Closed my account. I had available balance of $10,000 with $0.00 owed and I had called months ago because my other credit card had an interest rate that was just a little lower and I called to see if they could match but couldn't. So being a wise person, I just used my other card with lower rate and left my Capital One open to keep my credit score up. Debt to available credit ratio. They sent a letter published on December 17th. I received today 12/22 saying they were closing account. I would have started using it if I would have been notified that it may be suspended if I didn't charge something soon. No help from customer service, or management. Very lousy customer service from all ends. No notice, no warning!

Capital One calls my home every hour asking for a Travis **. I have no financial obligations with Travis **. I know him through my step-daughter. I have tried to give Capital One Travis's phone number, his parents' phone number. Capital One continues to call. I believe this is total harassment.

I have a Capital One credit card that I have been in good standing with. A company got a hold of my credit card company that was a scam. They charged me for merchandise that I did not order, nor ever received. I disputed online, on the phone, and in a written dispute form that I faxed and mailed to Capital One. My card is still getting charged from this company and Capital One will not keep them from charging my card, will not refund my stolen money, and now they are not willing to close my account. I just called their 800 number and told the customer service man that I needed to close my account and he said there was no one there to do it and I would have to call back tomorrow. That is the second time I was told this. They refuse to close my account and I have had a little over $100 stolen from me and the company still has my card #. I need help!!! No one will help me. Frustrated...

I received a letter in the mail stating that Capital One was suspending my account for 60 days and then closing it after that due to inactivity. I called them and talked with a representative and he had told me if I use the card within the 60-day window period then my suspension would be lifted. I was pleased to hear this because this is my very first credit card and I would like to keep it open. I went to use it the very next day and it was declined! I called back up and asked to speak with a manager. As I was informed by her, the suspension would never be lifted and my card will be closing (to me it is already closed because I can't even use the card). Being a manager at my place at work, I was absolutely appalled at the way they speak to their customers or should I say former customer. She was extremely rude and as if I was bothering her instead of being apologetic for some inconvenience. I also believe that Capital One should have notified me within that 13 months with a letter of some sort about the lack of use on the card.

Always apps in the mail pre-approved then denied every week.

I received a letter today (12/20/08) dated December 17th, 2008 that my account was suspended and would be closed due to no activity. There was no prior notification that my account would be closed if I didn't use it by X date. The first person I talked to gave the "Oh, well, several million accounts are being closed in this fashion, so we couldn't possibly have gotten notifications out on time"... yet they got this letter about closing the account to me in three days? If I had gotten such a notification, I would have gladly found some trinket to charge to maintain the account.

Over the past four or five months, I have consistently made online payments to Capital One before the due date and they have not been posting to my account. As a result, I am being charged late fees and am afraid that this error will be reported. I have talked to account managers who will waive these fees but it is consistently happening and I know that I am making my payment online before the due date. I keep requesting to speak to someone who is aware of this error. They keep informing me on the correct process to submit an online payment - assuming I am an idiot and cannot make an online payment.

After having my application denied at an apartment community, I was given a copy of my credit report. To my as of 1/2008 collection agency. Could this mean Identity Theft or has Capital One Bank USA Na upped my original amount of 300.00 to $1739? In 2001 I had opened a Capital One credit card account. After a couple of months I called and wrote them a letter telling them to close my account. I was told that they had closed it. It was not until just recently that I have found out about the $1739 charges. How can this be possible?? I cut up the card in 2001 and never used it again. I tried calling Capital One, and the call was outsourced to India. The Rep whom answered stated that they could not give me any info of my $300 account that I had and closed in 2001, nor could they disclose any info about the $1739 charges. Help. What am I supposed to do?

Out of the blue today, I received a letter from Capital One stating that my credit card account was suspended and will be closed 60 days from the date of the letter. Is this legal?

Capital One approved a credit card machine. Approved two clients. Now has declined the transactions. We lost two clients due to their negligence! The credit card machine had another company name associated. Then corrected but still the information was incorrect.

I have/had a CapOne credit card which I had been paying off in full every month since I got it several years ago. Things got rough for me financially and I decided that I would call each of my creditors to work out a deal to lower my interest rates. No one was willing to budge. As a side note, I find it highly ironic and hypocritical each one of my creditors willingly asked the Federal Government for BILLIONS in bailout money, CapOne having been the recipient of $3.55 billion. So, as the debt started to mount higher and higher, I decided the best thing for me to do was call a counseling agency to help me get a handle of my accounts and payments. They successfully negotiated a 4% to 5% drop in interest rates for each creditor EXCEPT Capital One who is still taking their sweet time on my proposal weeks after the proposals were sent out.

Capital One. 3 accounts in perfect standing for more than 12 years. All accounts paid through phone rep, same call. One card suddenly has not been paid in 5 months. Capital One refuses to correct or adjust 5 months of $40 late charges, $40 over the limit fees and interest now at 25 percent. Further, card had not been used this whole time and had been reported lost/stolen. Cap One acknowledged, never replaced it and history of all three being paid. Continued to charge late fees and interest resulting in an additional 16,000 for 2008. Issue 2: Also no overdraft on all cards set by consumer on account. Yet Capital One continues to assess $40 over the limit fees despite yearly corrections. Refuses to credit.

My granddaughter got behind in her payments on her master card thru Capital One. My husband paid off her account of $879.64 on 9-12-08 and they would not close her account at that time as requested. We did not receive another statement until Dec. then they said she owed $110.20. We have spent 3 days trying to contact them for an explanation. Finally today we found a way to talk to an account manager. We were shuffled around for about an hour and no one could tell us exactly what the $110 was for. They said it was because she did not close out the account and something about protection plan, which she knew nothing about. I think they should be stopped from fraudulent charges like this, it should be illegal to do business and steal from people. It was so frustrating to try to talk to those people. Most were foreign people and were hard to understand. I feel we have been violated when we were trying to do the right thing and pay her debts. Maybe this was an expensive lesson for her to learn that you cannot trust large business to treat you fair.

Someone with a name near my name was in default with cc company for several years. A collection agency bought the account for 2 cents on the dollar and hired an attorney to go after ME. He filed a simple suit saying I owed the money without any supporting evidence that I was the one. But he was going to make me pay anyhow.

Our Daughter had a Capital One Credit Card, which she hadn't used in two years and had cancelled. Now she is getting billed an Annual Fee of $59.00 plus $30.08 late fee. Is this legal and will she just have to pay this? Thank You.

I think I have everyone beat on this one. My husband and I are trying to finance our first home and lo and behold there's a judgement on his credit report from Capital One. Now, I've paid almost (about 95%) our debt off already and am 100% sure I paid this debt as well. On the credit report, it only stated that there was a judgement, the amount, and the docket number. No stating which court, or who was representing them. We contacted Capital One and they have no record of my husband... NONE. BUT THEY'RE ON OUR CREDIT REPORTS LISTING A JUDGEMENT!!! They have no record so they can't take any action to have this negative information removed. They can't even tell us who they sold the debt to so that I may contact them for my paid in full letter. I have no receipt of said payment, and it's still showing as not satisfied... We're completely stuck. Screw you, Capital One, and the horse you rode in on... How about some real customer service?? If you don't have a record of said individual, YOU SHOULD NOT BE ALLOWED TO REPORT!!

We contacted them back in March 2008 to settle our account. We made arrangements for three payments of about $300 for Mar, Apr, May. In May our bank account was frozen (without our knowledge, consent, or being informed). When we found out we immediately contacted our obligations including Capital One and informed them of this. We asked if we could send the final payment as a Money Order. They told us that was fine. After they received the payment and we saw it processed I called them and asked how long before we get a letter stating the account was closed. They told me about 4-6 weeks. So we waited and nothing. Called back and they could find no record of it being settled. We did this about 5-6 time with the last time being December 10th.

I spoke with someone from India named Kallis ID # **. I requested to have my upcoming payment deferred due to financial hardship this month, more especially some medical bills that I needed to take care of. Therefore, I knew that I had been a good paying customer so I asked if I could have one payment deferred. He told me to send a fax requesting the deferment and the reason for the hardship. I did all this before the payment was due. I called back a few days later to make sure everything was in order. He said everything was in order and he had the fax and that I should assume that the payment had been deferred.

I am now on hold for 57 minutes, and the 3rd phone call to Capitol One. I noticed 2 adjusted payment charges on my account, one for $800, and one for $126.00 (not to mention the $39.00 over the limit fee). I have been unsuccessfully calling to find out the nature of the charges, to no avail. No one can tell me anything except it was used in the form of one of those checks that they send you with your statement. I never use those, the interest rate is too high. Apparently, this type of transaction is to complicated for the normal customer service person, and after going thru the regular phone number, and answering questions like, "do you intend to make a payment to bring your account current?" I get transferred off to a number that no one ever picks up.

Capitol One is making unauthorized withdrawals from my checking account and show no record of the transactions on their system. I have since contacted my bank and filed a dispute for the debits and asked the bank to block all ACH on line transactions from Capitol One. I have also deleted my banking information from their site and am in the process of transferring the balance and canceling the card.

My business collapsed. It was run by my husband. He walked out on the business one day, took a flight and left me with the debt. I am personally responsible for the debt which I have been paying over the minimum payment at a rate of interest 18.69% minimum payments 243.00. I pay a $ 300.00 monthly. I am a single mom raising two children. My income is less than my income was. Account has a balance of $9,564.38. I pay insurance on the account for 74.96 monthly. Contact 1888-527-690. Why? I don't know, because I was told I don't qualify for help on this account. Isn't insurance protection supposed to help people in times of need, such as closure, loss of income.

I've never had a Capital One card in my life! They called my cell phone up to ten times per day with the phone number of 1-800-something. Don't even remember since HAD to change phone #. Every time they left an auto message, "Hello, this is Capital One. Please call..." blah, blah. Then I would call, it would say, "Please enter your ten-digit card #", Like I even had a card #. Highly irritating & harassing. A CS rep from cell contacted them (he must have made a # up) & the woman was very rude! She was like "What's your account #, ma'am." in a snotty voice. I was like, "Quit harassing me. You have the wrong person." They said this is collections (no, really?) and she transfer me to customer service (or so she said) and no one ever picked the phone up. They're a nightmare & I couldn't ever be paid enough to have a credit card with them! Shame on Capital One for being big bullies!

They call me from 866 826 3453 ten times a day, 7 days per week, looking for someone i don't know. I told them stop I am on cell no call list.

A few years ago, my mother passed away as a result of medical malpractice. And as a result, I began experiencing depression and health issues. I had proof of my illnesses from my doctor and was paying for insurance on my Capital One account just in case I could not pay for just this type of situation. The problem began when they were denying I had the insurance even when it was clearly marked on my bill. Then when someone did finally acknowledge the obvious and the insurance company agreed to pay, some idiot turned the matter over to a collection agency.

I have a Capital one Credit card. It had a $3500.00 limit. I maxed it out and paid it off before. This last July, I reopened the $3500.00 account. Work was slow and my wife's kids were visiting from California and we needed for them to have fun. I ended up maxing out my $3500.00. My payments were $109.00 a month. I made a couple month payments. Then all of a sudden I was over the limit and my new loan amount was $3250.00. I started to get dinged with $39.00 late fees and $39.00 over the limit fees. I called Capital One and got India or the Philippines. I wanted them to put my limit back to $3,500 and take the fees off. This went on for another month and I told them work got slow and I wouldn't make the payment until they fixed the wrong they had done me.

They are the lien holders of my vehicle. I have experienced some financial set backs. When several days late on a payment and receive the initial calls, when I speak to the customer svc person and explain the situation and give a date and amount of the payment, the comment that is made a note will be made and the call ends. After 10 minutes another call comes in and it's another customer service rep. with the same speech. I asked if they read the contact log that was entered and that I've just spoke with someone. They answer yes, but say we will continue to call you until a payment is made. And the calls will keep coming in every 20 mins to an hour. Until I get someone will knows the law of only contact the debtor one time a day. They don't leave a message on the first or thirteenth call of the day. Their explanation is they have to speak with someone before the calls will stop. When they do speak with me, the calls do not stop.

Mid November 2008. I did contact Capital One credit card about an injured family member's account. I was then forced to get a court order making me the Power of Attorney in all matters for the family member. Now this company informs me they can reject the Court Order. Keep the card active and tack on charges and fees till that person ether dies or wakes up from their coma. And still expect to collect from that person or their estate whatever they wish to approve or charge to the account.

On a Capital One bill I received from their collections attorney, in fine print, it said the account is suspended because of two credit card numbers. I did not have any knowledge of these card numbers or where they came from. Then the interest rate was raised up to the 25% range. The card has the same payment dates as a Capital One card I discharged in bankruptcy years ago.