Capital One Reviews

I had a Capital One account for a few years and paid off the account in 4/2008. Never had any trouble with Capital One, except the hidden fees and high card interest rates. So, I paid off this account and called them. After waiting for a long time on hold, I instructed the Capital One agent to close the account and send me a letter verifying the account is closed. A few months latter, 7/2008, I finally get a letter from Capital One. It was NOT the confirmation of account closure that I was waiting for, instead I was greeted with a billing statement for a membership fee on an account that I had closed, not used, DID NOT request, DID NOT sign for.

I have been SLAMMED with over the limit fees sometimes 2 in one month! I have called them and they refused to work with me. The fees keep piling up due to things I did not ask for such as credit inform and payment protection. They keep adding these charges to my current account from previous months which in turn puts my account in over the limit status.

In March 2008, I contacted Capital One to close my credit card account that had a not-so-ideal APR and a sub-par credit limit. I hadn't used the card in over six months and I had acquired better cards over the years. In May 2008, I was still receiving statements, with no balance, so I called again and was assured the account was closed. In early October, after around five months of no correspondence (I had even been locked out of the company website), I received a statement via email (and four days later via postal mail) indicating that I was carrying a balance as a result of the Capital One Member Fee.

In the beginning of August, I lost my card, I immediately reported it lost & was told that the card would be frozen and I'd be sent a new one. After 7 phone calls, over 2 months, each receiving responses that this is new information and I will be order a card, etc... I finally said I cancel all continued service with them and any charges after the loss are not valid. Now, they wish to investigate the transactions of 4 months ago - stating it is my signature on the receipts... How am I supposed to remember? All I remember was I lost it, reported it, never got a replacement, called numerous times, & went through the reporting process over & over... All customer service calls were being received in India

In 12/2007, I closed my older Capital One credit card and opened a new one with a lower APR. Letters and CSRs confirmed this. After 30 days, I received calls from the collections department that my older, closed card was past due. After contacting Capital One numerous times explaining this to them, I was informed that the older card had not been closed out properly and as a result my credit had been negatively affected.

I received a bill from Capital One for $19.00. This was the yearly fee for using their card. I mailed the payment 4 days before it was due. Capital One said it received the payment 2 days late. I have mailed payments 10 days before it was due and they have listed them late. When I called to find out if they would drop the $15.50 late fee on a $19.00 bill I had to go through 2 people to be told that once in the past I have had a late charge removed and I used up my only one. Even though this charge was not for any product or service other than Capital One's charges. So as Capital One refused to work with me I closed the account.

Approx. 5 years ago, I had two Capital One cards. I paid one off by an an electronic debit of several hundred dollars. I have bank proof of that. And then later on, I paid off the second through a group of lawyers. I also have proof of that. I know I had only two cards and have paid them both off, but they legally forced me to pay off a third account, which is almost paid off. But I know I had only two accounts.

Capital One run over East time, so if I paid later than 3 pm east coast time, they charge me for late payment $39!!! I paid after back to work and later representative ignore me two times over the phone!! Now I gonna pay over the phone and give a hard time with every single payment until finish my grace time (February 2009) and I gonna cancel that piece of **.

This number keeps calling my 12-year-old daughter's cell phone (800) 955-6600. I talked to a live body on 11/06/2008 at 7:25pm and told them to they have the wrong number and told them to stop calling. Since then she has been called by the number on the following dates and times: 11/14/2008 8:32am and 3:34pm and 6:19pm, 11/15/2008 8:24am and 2:58pm, 11/16/2008 9:21am and 12:12pm. Could you get me the phone number of a VP at Capital One so I can call them repeatedly and tell them my 12-year-old does not have a credit card or owe them money?

I'm writing on behalf of a family member who is absolutely destroyed now that Capital One Bank has taken over North Fork Bank. She is employed at a call center environment, with 60 plus calls waiting a day at minimum. With a service level of 30% when it's supposed to be around 80% or higher. The minute one call ends, another one follows, without one second in between. Its nonstop. They cancel morning breaks a majority of the time out of the week, if call volume is high. I feel Its very essential that they receive all breaks due to the high call volume. The managers don't allow you to have 2 seconds to yourself.

I accepted a $300.00 unsolicited credit card from Capital One back in 2003, and it's been a huge mistake ever since. The account was paid off and closed in 2004. Capital One has continued to haunt my credit reports by saying the balance owed is $1,918 and there was a charge off of $877. On my Equifax & Experian reports, it shows the account as being closed but Capital One still shows payments being received. On top of that, they show charge offs in between different months on the 81-Month Payment History, and they show the latest charge off being November 2008. How can they charge off something that was already CLOSED years ago?

I have been a Capital One customer for four years and never once made a late payment to them but last year, GMAC goofed and accidentally reported me 30 days late to the credit bureau which of course lowered my credit score. Capital One noticed this and decided to raise my interest rate from 18% to 28%. GMAC corrected the error but Capital One refused to lower my interest rate back to where it was. The guy I spoke to at Capital One could barely speak English and was very annoying and unpleasant to say the least. I only owed about $400 on the card so I paid it off and told them to close the account. I know that Capital One didn't do anything illegal but it was unethical and it was even worse that after the error on my credit report was fixed, they still refused to lower my interest rate. This company sickens me.

In October 2008, I received a statement from Capital One for a credit card that I had never applied for or opened. I called on October 16, 2008 and had them cancel the card. I received another statement from them in early November.

Capital One Auto Finance is the lien holder on my auto loan. Sent insurance check to be endorsed and returned for auto repair after an accident. Called customer service 4 times to see if the check was received. Told 4 times that check was not received yet. Found out that Capital One Auto Finance not only received check but cashed check. Called again, to have the money refunded to Auto repair shop. Was told by customer service body shop would be paid in 3 days. Spoke with a supervisor at the call center, who identified himself as Stephen. He provided with a phone number ** (direct line) to call back if I had problems. Called the number, disconnected. Call again, told it could take up to 20 more days before the auto body shop is paid. 45 days and counting, no body shop has not been paid. 8 calls to Capital One Auto Finance. The Ontario Canada call center has the worst customer service. They sound pleasant and knowledgeable but are quick to give false and inaccurate information to get you off the phone.

Several months ago we stopped receiving monthly statements. After we noticed the omission, we called the first time and were told that we had a late charge. When we argued that we had not received a statement, the representative said he was going to erase the late charge if we paid over the phone. When we refused and agreed to pay through our on-line bank service in a few days, they agreed. We did so with the expectation that we would receive a statement showing no late fee. However, since then we still have received no monthly statement so we have no idea of what charges they are attaching to our account. Each contact says that they will sent a statement and then request a phone payment. We have refused until we receive a statement.

I called Capital One last year (2007) to close my account. This is a account I do not use and was in shock when I got a late notice from them billing me a service fee on my account, so in addition to the service fee they charged me a late fee. They at that time refunded the fees and told me they would close the account and to cut up my card, which I did. Well, here we are again in the fall of 2008 and the same thing happens. I thought this account was closed, but they never closed the account, so it remained open and then again I was charged a service fee and another late fee for I had no idea this account was still active.

I was given an offer to transfer the balance of my credit card with Advanta to Capital One and receive rewards for the transfer and be assessed the interest rate of 9.9%. The rewards were never applied and now they tell me that they never will be because that is not available with balance transfers.

A credit card was taken out in my name without my authorization or consent. I realized this once I ran my credit report. My husband and I called Capital One repeatedly without much luck. We called about 10 times and each time transferred to one person who transferred us to another person who transferred us to a department and then back to the original person we spoke with. Each call lasted close to two hours.

Before my husband of 28 years passed away 9/08, he saw a tv commercial for a class action suit against Capital One. I am interested in joining it. They have used all of these treacherous tactics on me, as described above. They have gotten a judgement against me for $5000. They never rectified the problem they caused, yet they kept jacking the costs higher since '04. Finally today, I contacted their Bull/bill collectors, Pollack & Rosen, attys-at-law.

Many years ago, I received an unsolicited Capital One Visa card with $100 credit limit. I maintained this card only using it for emergencies with no problem. It wasn't until I lost my job and was only able to pay minimum monthly payments that this situation GREW out of control. I was constantly faced with over the limit fees, late fees, an astronomical finance rate of more than 21% a monthly service fee (just to keep the card) and some more stuff. When I asked Capital One to close the account, they told me they could not do that, but what they did do was to continue to charge monthly fees on the card. They would not accept or make payment arrangements... it was all or nothing.

I have had a money market account with Capital One for several years. At the end of last month (October), I purchased two CDs online. All of a sudden, last weekend, all my financial accounts info was deleted from their website. When I called (from overseas, 25 minutes on hold) I was told, I could not be an account holder though I am retired US military and have my mail sent via US mail to an FPO address because I do not live year round in the US. So, for those active, reserve and retired military, my advice is not to patronize Capital One or their products.

I opened an account with Capital One Bank and they ate my head up with the free rewards checking account so I accepted it and then they started saying that I owe them money for overdraft. I paid the amount they told me to pay and I added money into my card so what I was spending on my card was what I put in it. They said I was using their money. Now I owe 211.00 and I don't think it is right that I have to pay for any overdrafts I didn't do, and now I have bad credit because of their mistake. Now I can’t get an apartment because of the fact that they made me get bad credit. And I am upset because that just isn't right. I need help because I don't want to get in trouble because of that unpaid bill.

Two years ago, we moved from CA to WA. The moment we received our new phone number, we began receiving as many as 15-20 phone calls daily from Capital One. We told them we were not the party they were trying to reach and each caller said they would put that info in their report so we wouldn't be called again, but we were. With our caller ID, we decided to stop answering any toll free calls, since our experience told us it was Capital One.

Okay, so when I was 18, I got a card with Capital One. It had a $200 limit on it and being only 18 and thinking I was a hotshot because I was the first in my circle of friends to have a credit card, I was whipping it out everywhere, paying for things for all of us. I wound up $7 over the limit and of course incurred an overlimit fee. Okay, no problem, my fault. So, I paid the entire balance about a week after I got my statement, including the overlimit charge. Apparently, there was a 'delay' in the mail delivery and they didn't receive it until after the grace period, so they charged me a late fee on top of it.

I applied for a $300.00 dollar limit visa credit card with them and used the card and max card to the limit. I was making payments on it and sometimes was late. Every time I looked at my bill the interest rate kept increasing and late fees increased and it seems like no matter what I would pay the fees kept adding up. Also, they charged me a fee just to keep the card every month $6.00. They would want me to pay in full in order to keep fees from adding up to my balance. I could not pay in full; I only could pay the minimum or little more than the minimum. I just felt trapped like I would never be able to pay them off with all those fees, so I stop paying them.

I lost my job to Mexico and I ask Capital One for help. Instead they told me they do not consider losing a job was a hardship and now I get hit with over the limit fees each month and they jacked my interest rate to 24%. So each time I pay $45 they charge me $39 OLF and $23 in interest. It is making it real hard for me to stay afloat.

I am getting calls starting early in the morning, 2, 3, 4, even 5 times a day. I never have had, never will have a capitol one account. Usually, I ignore them but I'm fed up. Today, I picked up the phone and said don't call again. About an hour later they called again. They asked for my son - he hasn't lived here in years. I told them don't ever call again. The guy hung up on me. DO NOT EVER CALL ME, DO NOT SEND ME ANYTHING IN THE MAIL, EVER EVER EVER AGAIN! If I hear from Capitol once again (except one email response saying Yes, Ma'am), I will file a complaint with New York State and any other appropriate agency.

I closed my credit account with a positive balance of .50 cents with Capital One in April of 2007. Received a check for the .50cents. Moved in Aug. 2007, never hearing from them again. UNTIL Oct 2008. Collections called me on my cell phone. I had a balance of $201 and they wanted to know when I was going to send in my payment. I explained that I closed this account and she said she had no information about that. I asked to speak with someone from Capital One who did and she said that I wasn't going to be able to talk to anyone outside collections as everyone was going to send me back to them, and she was right.

I paid off my balance on Capital One card and overpaid it by $233.88. I've requested the refund on October 02, 2008 and as of today 10/04/08 have not received the check. I've contacted Capital One for more than 5 times and there is no definite answer on when I should get my money back. Shame on Capital One.

I did a balance transfer to a new Capital One credit card that was to be a no interest card. They waited six weeks to send me the first statement and then falsely claimed that I missed a payment. "Oops," it says on the top, "you're behind by a payment"! Of course they never sent the first statement and when I called and pointed out there wasn't even time in there to have been billed a first statement I was put on hold forever, Then transferred to a different manager, and when I inquired when they sent the first statement and she replied, I pointed out it was the day before the balance was transferred. And there was only two weeks between that date and the date of the statement I was holding - so how could a statement have been sent in that amount of time?

I got charged an overlimit fee on my Nov. 3rd statement due to a supposed late online payment (by 2hrs). I have never been late with them since I had this card. All of a sudden I got a letter from Allied Interstate demanding payment in full. I called them and they said it was because I was over limit. I never got anything from Capital One except my Oct statement due by Nov 3rd. It said I owed $15.00 payment nothing else. I paid $15.00 payment online on 11/3/08. Then they sent it to collection agency. I think this is outrageous. I read a lot of complaints online about Capital One. They should be closed down. I am cutting up my card.

I had a car through them.Then I started going through a rough time. Missed a few payments. Then they took the car. Then I came up with the cash to catch it up, they said it was too late. Now they screwed up my credit report.

Capital One continues to charge a finance charge on a cash advance from July 2008, even though the entire balance was always paid off each month. Every call is met w/ a rep who gives me the run around, and requests for a supervisor is met with a hang up or waits for almost 30 mins.

It started with using the card one day to buy gasoline. The card was declined. My husband called and they asked him for the number on the back of the card. He didn't know what they were talking about, so they asked him some of the security questions. I had set up the account and the security questions were for me, so he answered them incorrectly. So they put a hold on the account. I called and they refused to let me answer the security questions because he is listed as the primary card holder. They said they had to have a copy of his driver's license, a copy of his social security card, and a copy of an utility bill in his name faxed to their office. I did that. Another company rep called my husband and started asking him all kinds of questions about our home mortgage and other credit information. He eventually hung up on her. All of our accounts are paid. We owe no money to Capital One. We just want to close the account and they won't do that.

After over 20 years with unblemished record, I was defrauded by local business. Capital One supposedly performed investigation and turned me over to collection agencies. The truth is I was defrauded and never received anything of value. I've repeatedly attempted to get results of investigation but have been stonewalled for over 1 year.

Overcharged me on finance charge. I paid the full amount within grace period, but did it in two payments. I didn't know they would start charging a finance charge as soon as the first partial payment arrived. I think that practice is atrocious, but it is in the fine print (now that I have read it). But fraud came in when they charged me for full amount for full month, when the fine print says they will base charges on daily balance (which went way down after the first payment was received). They are just stealing money - how many people has this happened to that didn't catch it?

Capital One gave me a credit card with a $2000 credit limit. The first statement showed me spending $1500 & they added a $39 overlimit fee when I DID NOT go over the limit. When I called they stated they would take it off and they never did. The next month's statement showed that they never took it off & the next statement had a balance of $600 & another $39 overlimit fee. I called and they are not taking the two overlimit fees off. They are deceptive and refuse to take the fees off. They are not to be trusted.

I received a statement saying they were raising my interest rate to 12.50%. I called and ask them why. I was told they were raising everyone's rates, it was either pay the higher rate or close the account which I did on 3-12-07. They lied, they are still giving 7.50%.

Have had four Capital One Cards which I used on a rotating basis (pay one off, use a second). Came into a windfall and paid all cards to zero. Credit rating is in the 800s. Sent an e-mail requesting the four cards be consolidated into one. Received an immediate no-reply message telling me to call the 800 number which is answered in India. The first attempt was met with me talking to an undiscernible correspondent who cut me off after 30 seconds. The second try was met with the recording of an Indian gentleman who said all communications with India were temporarily disconnected. Next, attempted to communicate with the company via snail mail. Gave them three months to complete this consolidation. They missed the deadline. Heard nothing from Capital One. So I cancelled four cards. A final call to Capital One and I actually reached a man who sounded like a U.S. Citizen (or Canadian). He instructed me to call another 800 number. That 800 number to India was temporarily disconnected. Presently, all four accounts show up on the Capital One Website with an asterisk telling me to call that familiar 800 number.

I am being held liable for fraud charges made on my credit card account. I have attempted to point out to them that my credit card has never left my possession and charges are of amounts that are of a value that all took place on the same day and at type of business I do not normally use credit card with (being supermarkets). Asked them to review my spending habits but no response other than I will be liable until I prove to them different. I have contacted police dept. of 1 of the cities where fraud took place which they advised me to also contact Federal Trade Commission. I attempted to contact merchants where it all happened and they just refer me back to Capital One. Please Help.

I had four credit cards, all with a limit of $1,000 or less. I paid off all of my cards and notified the company, then moved out of state. I had a forwarding order with the postal service. I recently moved back and found bills for an annual membership fee and late charges that totaled over $500. I called the company and they said they had no record of me closing my accounts. They hit me four times for annual membership fees, plus late charges. There had been no activity on the accounts since I closed them.

I called Capitol 1 earlier this month and gave them the names of 2 banks (credit cards) with their addresses. One was Juniper and the other Bank Of America. Capitol 1 mailed a check to Juniper for $5,150.00. This was done correctly and my Capitol 1 account has properly applied for this amount. Capitol 1 also mailed the second check in the amount of $6,207.00 to Juniper. They did this in error as this check should have been mailed to Bank Of America. When Capitol 1 mailed the $6,207.00 check it was made payable to Bank Of America with the correct Bank Of America account number on it. So how Juniper was able to cash it I do not know. I was able to get a representative from Capitol 1 and Juniper together on a conference call.

I have had a Capital One card for several years. My credit line started at $300.00 which I paid on time every month. I needed an increase, so Capital One increased my credit limit to 700. Again, I made my payments on time every month. My husband lost his job and we found it more and more difficult to make the payments. I called Capital one many times and tried to explain that we could not make the min payment and could we work out a workable solution. I was told Capital one does not do this. I told them if we couldn't work out something -it would end up going to a collection agency - in which it did. I wrote back the collection agency and told them my situation and asked again for a workable solution - again nothing.

Capital One Credit Cards billings are manipulated and charged over the limit fees when accounts are not over the limit. The over the limit charge does however take you over the limit and hence another over the limit fee is then charged. This has been happening the past couple of months since I called asking that my interest rate be reduced. I was told it would be if I had no over the limit fees. I have watched my statement carefully online and just checked the statement a couple of days ago and still had a small available balance. My credit limit is $5,000. My balance now is $5,021.76. It went over the $5,000 limit when the $39.00 over the limit fee was charged on 10-25-08. It doesn't take rocket science to look at the balance and when the only recent charge was the $39.00 to see that my balance couldn't have been over the limit when my account was assessed the $39.00 fee.

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrassing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?! I am reading the card that you, guys issued me and I have been using this same card for years." Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems.

I just want Capital One to be aware that the advertisement used for Capital One, on Yahoo is the most annoying blinking advert I have ever seen. I would be pleased to see it gone and would only then consider doing business with Capital One. It is a terrible advert.

I used to have their credit card, I was laid off and tried to get them to stop adding all these explosive fees. They verbally agreed. I didn't think to get the person's name with whom I talked to. They never stopped after several promises. Now I told them that unless they stopped, I refuse to pay anymore. They expect me to pay them over my rent and other priorities, when I do work, I need to have my vehicle, so I have to pay that. I don't know what else to do. However even if a judgement was made in court, am I supposed to pay that over the other priorities?

CapitalOne did not deliver my billing statements. Apparently, I was enrolled in paperless billing, whereby an email reminder is sent to my email address; stating that my statement is available online. My questions to Consumer Affairs are: 1) Do the following T&C's related to Capital One's Paperless billing relieve them of the obligation to deliver my statements as stated in Section 304 of the FCBA?

I have two credit cards open with Capital One, and not just because I am some college student who wants money, but because at the time I had to buy books and stuff so I needed extra cash for food and clothes because I don't get financial support from family. I have been trying to keep paying and at least doing the minimum payment, even though sometimes it is hard, and recently I had a big bill due from not staying on top of my bill, but when I paid on one of the cards, and then gave them permission to pay for the other half on my other credit card, they thought they could take a second payment out because I authorized them to do the other ones. And because of them doing this, they took out an unauthorized payment and it overdrew my bank account. Which then also gave me a late fee on my bank account, so I called Capital One, and told them they didn't have the right to do that and not only did they need to put my money back into the account, but they needed to pay my overdraft fee also.

Capital One credit card customer service is a total nightmare. Their automated phone system does not give you enough time to enter your card number to get help. I obtained a balance transfer loan at low interest. God help me when I made a credit purchase thereafter. I cannot pay off the store purchase, and Capital One keeps hitting me with a monthly finance charge. They tell me I have to pay back the entire loan before, they will allot any money to my store purchase. My loan is for a 1.5 years, and Capital One is hitting me for the finance charge on my single store purchase every month. I finally took the item back to the store. Stay away from Capital One, they are crooks of the first order, and, man, do they screw you around with customer service. Tough luck if you use Capital One for anything.

Capital One credit card customer service is a total nightmare. Their automated phone system does not give you enough time to enter your card number to get help. I obtained a balance transfer loan at low interest. God help me when I made a credit purchase thereafter. I cannot pay off the store purchase, and Capital One keeps hitting me with a monthly finance charge. They tell me I have to pay back the entire loan before, they will allot any money to my store purchase. My loan is for a 1.5 years, and Capital One is hitting me for the finance charge on my single store purchase every month. I finally took the item back to the store. Stay away from Capital One, they are crooks of the first order, and, man, do they screw you around with customer service. Tough luck if you use Capital One for anything.

We have received a minimum of 7 letters stating we were approved and we earned this offer to receive 0% intro APR. We thought this was a good deal, because my fiance has always paid for everything in cash, he does not believe in credit cards. I explained to him that in this day and age if you do not have at least one credit card, you might as well kiss your credit rating goodbye. Which he recently found out. He owes no one, never has, but now he cannot get any credit because he has no credit. It doesn't matter that he has always paid all his utility bill on time, or that he is not in any debt. But cause of his bonehead attitude about credit cards, it now is hurting him. But thank heaven that I found this web site, so we didn't get suckered into Capital One's fraudulent way of doing business, I think everyone on the complaint site should all get together and hire an attorney and bring a class action suit against them, plus contact your state senator and get them involved and then see what happens to Capital One.

I ran my credit report and it shows I have a credit balance on a account I didn't even open for $7575.00. I have spoke with numerous people and even filed for ID theft on my 3 credit agencies and sent a fraud account statement to Capital One. They will not remove this damaging account from my credit report. Now I have to come to terms. This account has started reporting derogatory info when I called about the fraud! I was trying to get refinanced and could not get approved because this derogatory information which has cause my house to be foreclosed.

I had 2 credit cards with Capital One in the past. I paid one off and somehow managed to close the account. I ran into financial difficulties and could no longer make the payments on my card. I called Capital One several times. Credit counselors tell you to do that. They say the worst thing you can do is to ignore a debt. They would not work with me at all. They were rude and just read me my bill over and over. I was asking that they give me a 2-3 month reprieve so I could catch up on payments. They were not willing to stop adding interest for a month or two, which or course caused me to go over my limit, so I was then charged a late fee and an over the limit fee. They were not willing to reverse any of the charges. Eventually I just stopped paying them.

After I closed my credit card account in May 2007, They sent me a new credit card statement without me applying! I called and explained I had closed the account in May 2007, they said it was a computer mistake and would send a letter showing I closed the account. I RECEIVED ANOTHER STATEMENT, now I closed my account three times. I had to call again saying I DO NOT have a credit card with Capital One, again they said it was a computer error!!! They will send a letter saying the account is closed and send a letter to the credit. I believe this is fraud on Capital One part. I don't see how they could have started a credit card account without my acknowledgement TWICE!

I was charged over limit fee $39.00 even when I did not use my card and made my payment early and for more than the amount due. Capital One wants you to use your credit card like a bank debit card they charge (finance called ACH PA and this put me over the limit. I did even know no paper statement or e-mail telling this charge).

Capitol One employees start calling our house at 7:30 in the morning. They call every half hour, ALL DAY. They have even called as late as 9:00p.m.

Upon checking my checking account balance, I realized that my checking account had been wiped clean and my account was overdrawn. In shock, I spoke with one of the representatives at my bank and was told that Capital One had garnished my account. I was flabbergasted and confused to say the least. About 3 1/2 years ago, my husband had an account with Capital One that was turned over to an attorney. Shortly after we received the notice from the attorney, we signed up with a credit counseling agency. The attorney's office that had taken over the Capital One account agreed to let us make payments through the credit counseling agency.

I have small credit line unsecured with Capital One. As a result of Capital One's purchase of ONYX, Capital One took over my auto loan in 2005. I belong to a federal credit union. Capital One is a national bank. Capital One NEVER processes my payments the same way. When I pay the credit card, Capital One posts the payment in 24 hours. When I pay the auto loan, Capital One posts the payment in 5 days. 5 days, 3 business days!

Needed to pay my bill that day because I forgot it was due so instead of going through the bank online like I normally do, I went directly to the Capital One website to pay direct and the site was down so I had to go back through the bank and it wouldn't be delivered for a couple days therefore I got charged a late payment fee. I feel since the site was down due to issues on their end that I shouldn't have gotten a late fee.

I was a customer of North Fork Bank for almost 8 years. Never had the problems that I have had with Capital One since acquiring NFB. Capital One's policy is if your account goes to a zero balance it will automatically be closed by the end of the day. Now that would be okay if they bothered to tell you that. The person I spoke to said if I kept a penny in the account it would have stayed opened. Now the problem with that is I have a completely free account with no minimum account balance. Oh, the irony. For the record I cleared my account for bills I wanted to pay. I was getting paid the following morning via direct deposit now my paycheck is in limbo.

Without prior telephone or written notice, Cap One Bank sent a debt recovery agent to my home the day after Hurricane Ike. The loan they are referring to IS NOT MY DEBT. After notifying Cap One verbally, their response was to apologize profusely and then hire another debt recovery agent that calls me at home repeatedly - more than once at day - and sometimes two minutes apart. I have told them repeatedly it is NOT MY DEBT and not to call again, which of course they do. They will not give me their names, their correct address, the amount of the debt, and at one time gave me the wrong return telephone number. Calling Customer Service at Cap One was an exercise in futility.

I wanted to pay $7,000 as an offer to close my account which I owed $9612.76 on and they would not accept. Could not accept...said my account was in transition maybe to collections and maybe to a lawyer. All my other creditors worked with me and I made less and they took it and were happy... but Capital 1 won't.

My husband and I got over our heads in C/C debt, we contacted a debt settlement co. but Cap One has nothing to do with them. In May they garnished our checking account for $3,688.10 on a $8509.64 balance. Now in Oct of same year, they say we owe $7435.56 and that $2381.02 of that is interest. I understand interest but 2300 dollars in 5 months is not interest. It is robbery!!! They are supposed to garnish my wages in December, if I couldn't pay before, what makes them think I can pay now???

I had a fixed rate capital one visa at 9.9% for life. They raised it to 18%. I called them and they said they could make a business decision to raise the rate if they felt. They offered me a lower rate for 6 months and I declined and told them I would not charge on their card anymore. I did not cancel my account.

I have been having an ordeal with this bank. It started with my move to Maryland after I forwarded my address with the Post Office. I have 2 other banks that I never had a problem with and it is a simple procedure that every bank should have when customers move. This bank started sending me letters on the old address, which I got due to my address forwarding, stating the account is inactive and asking me to fill a 'verify inactive account form' which I did and in it I asked to close the account only to be hit with another letter couple of weeks later stating again the account is inactive and asking me to fill the same form again or they will start giving my life saving in the CD account to state (!) as unclaimed property??????

In the latter part of June 2008 my husband & I transferred 2 other credit card balances to Capital One. We were charged a finance fee of $369.93. Since then I have received 14 applications - some are completely free (I received the latter right after we had done the transfer). I was really upset & emailed customer service @ least 3 times & got the same reply call the 1-800#! My concern was not addressed at all! I finally called & spoke to someone from India, he eventually told me it was a one time fee & could not be returned. To say I was upset is putting it mildly!

Their website has been down for at least a week. Had to call in payment. Person on the phone appeared clueless about the website being done. Has anyone else had this experience or know why the site is down.

I opened an account with Capital One the beginning of August 2008 and requested two balance transfers. One with a credit card company and one for a loan attached to my checking account. At no time during my application process nor the other 3 times that I called looking to see why the loan has yet to be paid off did anyone tell me that they cannot pay off a loan that only has 9 digits nor one that isn't with a credit card company. I was told by a customer service agent that I would have to wait until Aug. 30th to give the check time to get to the bank before I can do anything about not receiving it. This check was processed on Aug. 14th.

My Application was approved in July 08 and my Secured draft of $300.00 (Money Order) was sent out to Capital One in August 08. Today, they have received the request and they will send out my Credit card a.s.a.p. after completing the verification, a total of five months. Initially, on phone, the information I gave them was clearly explained regarding my mailing address which is at PO Box but the lady representative did not pay any attention to my instruction not to send it to my Home address which is at **... and so on. So, she mailed out the Credit Card to my home address instead of the PO Box no. and I never received any credit card from them since then.

I had gone into the branch on 9/22/08 and requested to have an account closed and a new account opened. I withdrew my money and placed $173.00 in the new account. One week later, I come to find out that the account was never closed properly. So in the meantime, I am being charged NSF charges of $35.00 apiece and the account ended up being $539.00 negative. I approached the bank location and they said it is not their responsibility to make sure the account is closed. While this is happening, I have 2 other accounts there that they froze all my funds.

Had a disputed charge on my card which Capital One did a poor job in looking into. Had to take the company who charged my card illegally to small claims court in which I won a judgment for the full amount in dispute.

For the last 2 weeks, every single day, I have been getting an average of 1-3 solicitation calls from Capital One. They call relentlessly from morning to night, weekends and holidays, even though I have asked them each time not to call again. Nothing is sacred to these people. I have spoken with supervisors there only to be told it will take a few months to update their database and get my contact information out of their systems, even though I am on the National Do Not Call List. The worst part of these calls is not only the inconvenience of being woken up in the morning or at night by these people or during dinner, but the fact that when I ask them not to call back they get rude and disrespectful and hang up the phone in my face! Only to put me through the same exact thing the very next day 7 days a week! It's like a recurring nightmare. Something needs to be done. I shouldn't have to go through this kind of treatment in my own home for the next few months until they update their database. This is just ridiculous.

I still did NOT get a check back that Capital was sending weeks ago. I can not get any results from them. Thank you.

We authorized a payment on a loan with Capital One Bank by phone. They gave us the amount. We gave them a check number, and they gave us a confirmation number. The very next day Capital One Bank sent another check to our bank for another payment and used a fraudulent check number with our account number on it. This caused an extreme overdraft on our account. Capital One Bank’s response so far has been, “Sorry, but that is the way we do business, and we have the right to do this to you at any time.”

Our experience with a Visa card from Capital One is very bad. How they treat people when you want to cancel your card is unbelievable. Rude, many calls at all hours. The mentality of the management is reflected in the stupid ads on TV. What's in your pocket? Well not a card from a rude bunch of fast change artists! They deserve to go down.

Let me be very clear and unambiguous, we do not want a Capital One Credit Card. We do not want any balance transfers and we request that you immediately destroy all the information we submitted. Please be advised that we called for a balance transfer. We were told we were approved up to $30,000.00. We were advised that they were unable to process the request unless we gave them balance transfer information. The person we talked to was Brian who clearly did not know what the process was to cancel. When we found out that there only was an approval for $2,000.00 we indicated that we wanted to immediately cancel and we were told that was not possible. Brian indicated that we would have to call another number to make the cancellation. We made a three way call and Brian was present for the entire call with the cancellation department.

Someone from your bank has been calling my home phone # for a week asking for someone who does not live here. I was not at home for those daytime calls, and did not return the calls, thinking eventually she would stop calling. I was unlucky to be home today and took the call. When I explained to her there was no one here by that name....She proceeded to become rude, sarcastic, and demeaning, yelling at me that I should have called (long distance) and told her she had the wrong number. It was the same woman who called me each time.

Where should I start? First it took 90 days to get my first bill. Then just recently, I had a bill of $32.05 so I sent an overkill payment of $36.00. They kept the $4.00 and left me with a 0.5 cent balance for the next billing cycle. I have no record of that money! When I called, they laughed and said 48 hrs, tell 0 balance and no record of the $3.95 still today. Now I used $10.00 worth for gas and they called it $11.05. I AM TIRED OF COMPLAINING, AAHHH.

All I want to say is that the so-called emergency fund that you pay into that supposed to protect you if you lose your job or something is definitely a rip-off. I paid into that wanna-be security scam for months and when I became unemployed, they hung up on me. Now I am facing litigation. I'm still unemployed due to the economy and they are trying to take what little I have now.

Capital one say that a payment was returned from my bank. So they charge me a late fee and over balance fee ($80.00). I checked with both of my banks and was told no draft was sent to them by Capital one. Then they also love to change due dates of my two accounts so they can charge late payment charges. They also do not accept payments mid payment cycle if payed in advance. This is BS and should be against the law. They especially like to play their games with Senior Citizens. I would be delighted to join any class action lawsuit against Capital One. There is an old expression: There out to be a law. :~)

I've had this card for 6 months. It has a $3k credit limit which I use liberally. Typically in a month I put anywhere from $1500-$2500, but I ALWAYS pay the entire balance off each month. For some reason this month, they told me my payment needed to get put on hold for 10 days... It DOES NOT take 10 days for them to tell that, yes, I do have the money in my checking account that I'm trying to give them. This is very embarrassing to go to a store and have your card denied... for no good reason at all. So basically it's looking like I might only be to use the card 20 days out of every month? BS.

It's really quite absurd how you can make a payment TOO EARLY when it's being paid in the exact billing cycle you paid for! I paid my bill on August 23, 2008, the statement I was billed for was for Aug 3, 2008-Sept. 2, 2008. I paid the bill on Aug 23, 2008. Come to find out Oct. 3rd I get a call from Cap. One, I'm late I have received a late fee of $39 and not to mention a Over the Limit charge ($39) to go with it, because their past due charge made me go over the limit. Now, they say they can't do anything about the charges, because I made my payment too early that billing cycle didn't end yet, I was supposed to wait till Sept. 2nd to pay then it would have been applied to that statement instead my payment on August 23rd went towards my previous bill which end on August 2nd that payment had already been made and posted.

I received a $3,000 credit limit and was making my payments on time every month for about 5 months and they told me that I was going to receive a $500 credit limit increase if I kept making my payments on time. They sent me balance transfer checks and more information and increased my credit limit after 6 months. I went to the store one day and was going to use my card. (I knew that I had like 800.00 dollars available with the increase I had just received and I didn't have my debit card on me so I figured no big deal considering I only bought like $11.00 worth of stuff). The lady at the store ran my card and told me it was declined. Impossible I thought.

I closed an account with Capital One over 4 years ago and every year they send me a statement with annual fee, every year they tell me it will close out and the next year here comes the statement again... So, I figure if I am getting this every year then maybe someone is is probably getting them too. Now, I have wrote them a letter again to see what will happen, also I spoke to a customer service rep. on the phone and they promised they would send me a letter stating the account was closed, which I have yet to receive. I do have another account with Capital One which is current and I am paying it off... but, it has nothing to do with the one I paid off years ago. I also, let them know in my letter that this is why people have bad credit because of something like this happening to them. Please, what can I do to get them to understand.

I opened a North Fork bank account in 2000 and received a 1500 overdraft protection limit. I have never used more than $100.00 of that overdraft protection and have paid it back promptly. I NEVER received a free from North Fork bank for using it. When Capital One took over, I kept my overdraft protection. I recently overdrafted $100 because my check had not cleared yet. Unfortunately they did NOT take the money out of my overdraft checking, and they charged me a $35 dollar fee. I contacted them regarding the issue and they stated that they will not issue a refund on the fee. I never received one form of notification that my Overdraft Line of Credit was not going to be utilized, nor any correspondence regarding the $35 dollar fees that would be given for overdrafts.

In Jan.21st of 2004, my wife and myself took a lein against our home from Cortland Banks to pay off all our credit cards. To begin with we did not owe any first morgage on our home. So the bank got info of all the credit card pay-offs. Money was sent to each and every creditor on that list. So we ended up getting results in the mail of creditors that in fact had closed out our accounts. Every one sent out info on our accounts being closed, for the exeption of CAPITOL ONE. They cashed in the checks sent to them. And never closed the accounts out.

A Charge Was Put On My Credit Card In June, By A Company ICG, For 111.00. Being I Did Not Make This Charge I Notified The Company For Signature Proof Of This Charge, Which They Could Not Provide. I Then Called Capitalone To Dispute This Charge, After Talking To Several People And Being Put On Hold For 40 Minutes At A Time, They Would Not Take The Charge Off My Account. I Asked For Proof Of Their Decision By Providing A Signed Charge, They Could Not Provide The Document. I Do Not Believe I Should Be Charged For Service That Was Not Performed. I Hope You Can Help. Thank You

I planned a trip to Ireland in May 2008 using BMIT as the agent and charging the charges onto my credit card. My agent told me the charges were $5680. When I received my bill, I had two charges, one for 5706 and another for 102. Without an receipt or anything I had signed, I could not understand the fees as they were different than I was told. I went through the dispute department of the company and was finally told that there was nothing they could do, they must honor what the credit card had told them was the charge. I then went to the Better Business Bureau.

For the past three months Trans Union had my car loan balance at $9313, but it was actually $5,241. I initiated a false balance dispute which ended up with all 3 credit bureaus having my balance as $5241 and a CHARGE OFF. I called capital to question them about it- they wanted me to fax them everyting that I have, that establishes that my account is not CHARGED OFF. I couldn't believe this, you are sitting behind a computer looking at my account, and telling me I'm in good standards- but still want me to fax you documents proving my account isn't CHARGED OFF.

They have garnished 260.00 out of my check from money that i owe them i just found out that they would start garnishing from my check this past pay period I can not afford to make this payment every pay period i had to borrow money to make my rent payment for this month i would like to know if i can set a hearin or get help to try to reduce this payment to where i wont have to keep borrowing money just to make this credit payment what can i do?

I called to cancel my lost card and get a new one. I had some 0% financing checks from the old card that I wanted to use. Unfortunately the person I was speaking to was Indian and very hard to understand. I asked if I could still use these checks hes said no but that he would send me a new one and wouldnt go into affect until I cashed it.

My experience with Capital One has been great. THey lowered my APR (when I qualified) and I had no special fee when I used it overseas. One year I had an over-the-limit fee after they put on the annual fee...but that is not unreasonable, they are just like most credit cards out there. IF YOU DONT UNDERSTAND HOW CREDIT CARDS WORK, DONT GET ONE. LET THE BUYER BEWARE!

capital one is causing me more trouble than I can imagine. they have tacked on charges after closing the credit card and have negatively impacted my credit. I am 27 years old and i thought i needed a credit card to build credit. I have a good job and a bachelors of science. they have not allowed me to pay off my account balance and keep causing me problems. i need help closing my account. they have really screwed up my life.

Capitol One allowed my son to set up an automatic withdrawl from my checking account to pay off his credit card without my authorization. There was no signature involved or a call to ask my permission. The manager I spoke with said they assumed he had my permission. This was AFTER I called 4 times and told them they are not authorized to do this and they continued to take payments from my checking account.

I owe on a personal loan and a credit card loan. I have become permanently disabled. He is calling at least 10 times a week or more. I've asked for calls to cease. Told him i cannot possibly nake pymt until maybe next year. He told me he would still continue to call every week. when i asked to speak to a superior, he declined. He threatened me with legal action and reposession of personal property on several occassions.

I have three credit accounts at Capital One Bank. Two are for the business and one is a personal one. I am paying 24.99% interest on two of these accounts. On the other one I am paying 16.99% interest. I have tried to consolidate the two business accounts and they will not allow it.

I have an outstanding balance, it has been passed on to a company called Debitas. For the last three months i have been getting calls from capital one three times a day and seven days a week, when i answer no one speaks i have been told by a freind that it is a computer doing this. The word Harassment springs to mind. When i applied for the card i stated that i was unemployed and on disability with a yearly income of app 5000 pounds yet they still allowed me a card, even though there forms stated minimum 10000 per year.

Several years ago I opened a Capital One credit card account with a limit of $200. I purchased a piece of work out equip for $149.95 and had the $49.00 annual fee to max that card. That was all I ever did on that card. Subsequently I've paid a total of $850 on this account and am now being sued for $1155.33 (OTL & Late fees) + $60.80 interest + court costs. This is theft. I've told several collectors they would have to take me to court and now they are. I am disgusted to have to commit any further time or effort to this. If I can't win, I don't even want to take off work to go. Why isn't there a class action against Capital One for predatory lending?

I canceled my credit card over 9 months ago because they would not take off a secondary user. One month ago I got a statement for $20.00 for the yearly fee of the card. I ignored the statement because I had canceled the card, and I would never sign on again. This month I got a bill for late charges of $15.00 added to the annual fee.

I work 3rd shift. This is ridiculous. I asked to not be called again and they said that I would have to write in and send in a letter requesting this. Why cna't I just say don't call me again? Send me a freaking email like the rest of the world!

Upon Repocession of my 04 mustang the repo company was in Breach of Peace. by the following conditions 1) he knowingly and willfully entered my garage (the door was closed) against my will. 2) He Verbally threatened me and we got into a physical altercation and he damaged my drive way and garage floor with his tow truck.

I was promised a lower APR by a CSR Capital One never gave it to me. They claimed that the request to do so was denied. However, they never told me that they were putting in a request. They told me that it would definitely be lowered and that I would get a letter by U.S. mail confirming the APR change. After complaining about it and seemingly getting nowhere, I asked them the name, address and the CEO of Capital One. They gave me some phony fax number where the letter I sent was probably trashed.

we wrote our son a check for 3.ooo.oo from our money market acct at capital one bank to heip him purchase a house. he deposited the ck into his bank they in turn sent it jp morgan bank who is the govt clearing house for cks. they presented to capital one for payment. cap one says it pd the ck. well his bank says no they did not. this has went on for 10 days finaly we got numbers off the back of the ck which his bank says is routing numbers for bank 1 of ind. so i called pixie with this info and she wanted to know where i got those numbers i got them from gia who works at cap one and could she please find out why the money was routed to this bank.

Capital One Screws everyone they can

I went online and checked my account. I'm used to them sending out the statement by mail almost too late to pay ontime, so I always go online for it. My new statement was available, so I went ahead and made my next payment. The next month I see late fees and OTL charges even though I didn't use the card at all. It turned out that while I could see the statement, that doesn't mean things are updated in their system yet.

On behalf of my ill father and with his telephone permission, we disputed an on-going credit protection withdrawal and cancelled the card. The agent apologized and said it( the credit charges) would be removed, reimbursed and the card stopped.

I made a deposit inside the bank on Friday 08/29/08 before closing hours, but wasn't made aware that funds would not credit that day but until that Tuesday since Monday was a holiday. I scheduled 4 bill payments to deduct that Friday, and because funds did not credit I was given 4 NSF/OD fees at $35 each. First, I sent a secure message in Customer Service, who in turn told me to contact the bank, So,I called in on 09/03/08 spoke to an agent who transferred me to a supervisor with an Indian accent by the name of Lynette, who assured me since I was a long-term customer and never acquired any NSF/OD fees she could remove 2 as a courtesy.

me and my wife paid off our account with our tax returns in 2005. i never did recieve another bill from capital one but when me and my wife tried to get a house we found out that i owed 700.00 to capital one on a 200.00 limit card and because of this my credit score is lower than what is needed to get financed for a house. capital one ruining mine and my families life

I am now a Sophomore in college and have no interest in getting a credit card for a while now. I don't give out personal information unless absolutely necessary, but somehow Capital One has been harassing me with advertisements about special offers. I have called them several times and have tried to get my name and address off their mailing list with no success.

I have both credit cards and an auto loan with Capital One. The minute I fell behind with my payments the phone calls staeted. The first problem is that I live on the east coast and my phone number is a west coast number. I thave begged for them to stop calling me until mid-night but they won't stop. I know I owe them money but the harassment tactics of phones too late and 2-3 times per hour is insane. The payment on my credit cards would not be so behind if they had not charged me $39 over-the-limit fee which was created due to the $39 late fee being added to my account.

My Son joined the U.S. Army in early July and sent in the requests to Capitol One and Wamu for a freeze on his cards while in boot camp. Wamu, no problem. Capitol One, Big Problem! We have return receipts for both July and again in September for this request reaching Capitol one but they somehow cannot resolve this issue.

Now they've upped my interest rate, and refuse to do anything about it. I said I was going to cash a CD and pay them off and close the account. The supervisor said now it won't help you out to do that, will it??? Why can't they hire somebody who is on the same wave-length as the rest of the planet?

Capital One issued our business a business credit card that began at a 0% interest rate, then changed their interest rate to a whopping 34%! My company simply cannot afford the minimum payment and they have sent us to collections without any willingness to negotiate terms.

It has been an ongoing problem trying to cancel out 2 of 3 credit cards with Capitol One. Two of the accts have been paid off & cancelled. Months later we start getting bills again. We contact them & they tell us when the acct is pd in full it will be cancelled. The 3rd acct had been pd on several times with cks for amounts way over the min payment.

My opinion is that they do it this way intentioally knowing that people will miss the 12 noon cutoff and CapitalOne will be able to charge the late fee. I beleive it is an unfair and predatory practice. They should either stop this practice or they should put at the statemet at the top that it is due on Aug 4 2008 before 12 Noon. When they use 3:00 PM ET again in my opinon it is another trick as you will remember the 3:00 PM but forget it is ET and will slip again and they will get another late fee.

I applied for this card for travel points (double points for every $1 spent) with a $40 annual fee. I have always paid the full balance on-line every month. The 1st month in there was a glitch (their mistake), that took 6 months to work out where Capital One held back over 8,000 in reward points.

I called Capitol One after I was laid off from my job. My credit card was past due, but I made arrangments to make 2 payments per month on a hardship until I got a new job and could make more. I have been making these payments faithfully since I made the arrangements. ALways when I say I would. However within 24 hours of making the scheduled payment I get 6 calls per day wanting another one.

All we want is the fraudulant charges to be reversed and credited back to us. Is that an impossible request? From our stand point it's must be. We also have another Capital One credit card that was paid off and we have been charged late fees upon late fees and have been charged fees to have your card and the card has been cancelled. Once again can not speak to anyone that speaks or understands the English language. We are not difficult people to deal with, but your customer service reps. are.

I opened a capital one credit card as a student in college. After several years, I had started to pay the card using my online banking. Now every other month the capital one automatic bill pay system resets my user account, then convienently stops sending my ebill.

I Got the card in April and Had used it for food and other items. Over the course of time I paided them money. Well in August I put $50.00 on the card. Although it said $47.00. I am very angry with this stupid company. I lost the card got a newone listened on the phone said credit available was $2.00 did not touch the money 2 days later I owe $39.00 which took place on August 28th. I do not understand why. I am having a hard time trusting this company.

for the past 4 years, I have tried to get old accounts taken off my credit. The credit agencys do the research and send you their findings. And I would send back the information to the credit agency dispusting the accounts. Finding out that capital one has brought the account from the orginial creditor and is trying to collect on a 7to 12 year old debt. And thus making the account look current so that it will not come off, and the credit agencys put it right back on your credit.

I had a $1000 credit limit with capital one for a year, they called me onece to see if I'll be intreted in geting insurance to protect me in case I lose my job. they claimed that if such thing happened they will cover all my bills, so I agreed and got it.

When I make online payment they often are out of service, they are difficult to reach by phone and when phone contact is made, someone from another country answers (usually India). the operators are difficult to deal with and end up trying to sell more of their products.

I sent a $1727.45 payment in on my credit card. It was posted on 8/16/08. On 8/22/08 I put $50 on the card and they have charged a $20.85 finance charge on it. I called Capital One and spoke to Jesi and she said there was nothing she could do about it because it was what was left over from the previous month. The balance from the previous month was exactly $1727.45 and that is what I sent in.

My girlfriend and I got phones through Verizon Wireless a few years back. Since then we receive random phone calls from people saying that we called them. Problem was, we never called any of these people. Capital One did. Somehow Capital One has our phone numbers and calls people, leaving our numbers on their caller ID. With this last one I recorded the number and started to journal it as some sort of record.

I contacted Cpitol One after I was laid off from my job, and set up a payment plan of every 2 weeks. I have done that faithfully repaying as promised. Today, so far they have called 4 times, I spoke with a rep once. I made the payment Friday as promised. When I informed the woman whom I could barely understand because she is in Timbucktoo somewhere, I informed her of this repayment plan, told her I had made the scheduled payment and asked her to stop calling. She said they have to do this because the account was past due. I knew that, that is why I set up a repayment plan.

Capital One put a freeze on my credit card because I was only a couple of days late with my payment. Nevermind that I told Tracy (Account Manager and 5th person I had spoken with in the last half hour)that I had mailed a $500.00 payment already. Also, the previous month I had made a $600.00 payment and the month before that a $1000.00 payment. My balance wasn't even over $1000.00 for the current billing period.

I was trying to clean up my credit when online with transunion I got a pre-approval from Capital One for a credit card to re-establish credit. This was misleading to me. Not only did I get denied but an inquiry against my credit brings my score down even more.

On 2/7/2008 I was alerted by equifax that there was a credit card inquiry for a Capital One credit card. I called Capital One on 2/9/2008 at 6:58 pm notifying them that it was not me trying to open a credit card. I was later informed the credit card was opened by a relative and the card was sent out days after I called Capital One with the dispute.

Capitol One keeps calling me for a past due credit card. I am NOT receiving statements on the account and can't even give you the account number as I don't have the credit card. I have NOT purchased anything on the card in the last number of months yet because I haven't made payments the card is now over the limits and I'm being charge extra for that also.

I had a jointly owned (with my girlfriend) credit card issued by Capital One Bank and became unable to keep up with the payments. I entered into an agreement with Capital One that cancelled the card and set me up with a repayment plan. That was over a year ago. I never heard back from Capital One, never received a statement, and my account with them became Restricted and I was unable to even request information about my plan, the balance, interest, or anything. Note that my girlfriend, who was joint owner of the card, offered to make payments as well, but was never provided with a statement or means to do so.

My grandson who was 18 at the time got a CapitalOne Credit Card with a credit limit of $300.00. He made regular payments on the card until 11/07. He works construction and delivered furniture to make a living. He did not have work in the winter. He was late on a payment. CapitalOne started to charge late fees and interst. He could no longer make the payment. My grandson has a father somewhere and a mother with mental probelms. He is on his own. He came to me for help. I called CapitalOne to try and settle the account. Remember the limit was $300 the card now has a balance of $620.00, it is in collection.

The company is a collection agency for Capital One who is harassing my 82 year old disabled mother regarding my bills to them. How low can you get. They have my phone number and address. They need to stop harassing the elderly.

I am being sued by Capitol One, but North Star Capital Acquisition is suing me for $1073.74. I am on a fixed income. I cannot pay this. This debt started out as $500 and over the course of about 5 years I have not been able to pay it as the amount kept getting higher and higher.

The account was paid off as of July 09,2008 with a law firm in Mount Laurel NJ. I have sent documentation to the credit Bureau showing that the account has been paid and satisfied. The credit bureaus will not research with capital one. Even with documentation they say that the account is charged off/past due as of Aug 2008.

I called Capital one and they refer me to referal agency which gives the number back to the attorney office 856.222.0166 which I paid the account. I spent 6 hours on the phone trying to resolve the matter. I need to have this reflecting paid or satified in order to keep my job.

I moved to another province and forgot my credit card in Manitoba. I phoned the 1-800 on the back of my card and reported that I had left my card back at the ohter place. I requested another card. My requested was fullfilled and he then proceeded to tell me that within 5-7 business day my card would be in the mail. On the 6th day I received my card as specified. I then proceeded to phone the number on the back of the credit card to activate my new card. My call was asnswered in a prompt and curtious manner. I requested my card be activated.

10/10/2007 - paid $1600.00 by check to Capitol One credit card account. 06/06/08 - Message left by phone by United Recovery Systems, LP stating my Capitol One account was in delinquency. I never knew the account was in delinquency and was never informed through any paperwork prior to the phone call. It was a Friday and late in the day and tried to call the next day on Saturday but the office was closed.

I had a problem a few months back w/ charges. Have never had and will never have a Capital One card. Problem is now they are sending mail to someone who does not and never has lived at my address. I highlight and send back but next day a new letter. Can anyone give me a phone # to call?

I have been a Capital one card holder for years, prob. since I was old enough to have a card? I have had little problems. Thus because I only use my card for purchases, that I pay off every month. A few years back Payment protection started taking cash out of my account without authorization. So, I called and went threw 50 hoops to fix, and get credits. It was not so big of a deal then because it was only a few bucks here and there. Thats when I was not making a lot, and not spending a lot.

On MArch 29th, I made a wire transfer payment from Capital One card to my discover card. I kept calling for 2 weeks after that to make sure the other party recieved the check. Two weeks later the money had been debitted from Capital One, but was not reflecting on my Discover card. I tried to dispute the amount of 450.00, but capital one said they couldn't because the check had already been cashed. I called both companies and they said it was going to be a while for the money to reflect on Discover card.

I have a card from 2004 they started to collect on. The credit limit was 200 dollars. I did not pay on it(my bad)I was young and stupid. So now 4yrs later they are trying to collect. The bill is 1400! I paid them 800 and then ignored there calls. I told myself i was not paying another dime! Then they are sueing me for 600bucks! So I had to pay them. They are terrible and i hope they go out of business!

I have been attempting to get 2 Capital One credit cards off my credit report due to fraud. My lawyer has demanded a copy of all documents with my purported signature. There is no document with my signature. It has been 22 months, a new person every time I call, over 1000 pages of documents faxed. I continue to get transferred to at least 6 or 8 people every time I call. NO ONE HAS A SUPERVISOR...DO THEY ALL OWN CAPITAL ONE? How do you get to anyone that can resolve this?

My husband opened a Capital One credit card in 2005. I am an authorized user on the account. This is very embarrassing that I am going to disclose this information, but we are out of options. We had maxed the card limit ($10,000) and then payed it off in 2007. Unfortunately, we maxed the card limit in the past year again due to financial difficulties. Our monthly minimum payment became too large for us to afford. I was late on a payment or two, but wanted to make sure I was paying something.

Capital One has, yet again, charged a late fee to my account when the payment was well above the minimum required and paid well before the due date. This particular instance, the statement date was from June 20 to July 19. The minimum payment was $15 due Aug 13. I paid $190 on 7/7, $40 on 7/18, and I found myself with some extra cash so paid an additional $30 on 7/18. That is a total of $260 over the billing period. Last time I did my math, that is more that $15 and I do believe that 7/18 and 7/7 are both before 8/13.

I received my capitol one card about 6 months ago - the first month no problem; the second month I was 1 day late in paying the card, they threw on a 49 dollar late fee (fine, it was after all my own fault I was a day late in paying), but by doing that it put my card over the limit in which they threw on another 39. Over limit fee. I was a bit irritated, but alright I paid the balance in full; Capitol One then placed a ten day hold on my card, but never informed me of this. So thinking there was a positive credit balance my husband placed 2.95 cent charge on it. Capitol One turned and placed another 39 dollar over limit fee, which they refused to take off at that I was hung up on twice, and no I wasnt being rude.

I was charged over $250 ($35 a month in late charges and interest expense) on a balance I did not know existed and it took me two phone calls just to find out how the balance was arrived at. Cost me $450 to settle a $200 bill I did not know existed. Only paid under threat of "this will be reported as a settlement on your credit report".

i am an elderly woman. i have never had an account with them. if i did, it was years ago. when they call it is a different person every time. i hang up they call back. my blood pressure goes up, my sugar goes up, i get headaches, and when they call i have to get my nurse to come and check up on me.

De Capital one bank: