Capital One Reviews

For starters, in 2007 they raised my fixed interest rate from 4.99% to 9.98%. Never mind that I have near perfect credit, and have never missed or been late on a payment with them OR any other creditor. (If this is how they treat people with excellent credit, I'd hate to see how they treat people with marginal credit!).

Since then, I've also been getting random letters from Capital One, responding to alleged requests from me for copies of billing statements that I in fact never requested. When I call them to inquire about this, they also have no record of me requesting any such statements. Which makes sense, since in fact I didn't request these statements. But that begs the question, Then why did this get mailed to me?!? Of course, the trained, non-English speaking monkeys at Capital One don't have any clue why I would get copies of billing statements I never requested. They said it must be some kind of computer error. Oh, really?!? Makes me wonder what other kinds of computer errors they make!

Quite frankly, I'm scared of Capital One. They are SO incompetent and clueless, that I'm afraid of what kind of random errors their ancient computer systems might make that ultimately screws up my excellent credit. Because I know that if I ever DO have a problem with them, their non-existent customer service will be of no help. I have a $15,000 credit limit with Capital One right now, with $0 balance. Nonetheless, I log into my account WEEKLY just to make sure no mysterious charges show up. Yes, I am THAT distrustful of Capital One! And yeah, I suppose I could just cancel the account. But closing a credit card account negatively effects your credit rating.

I'm just wondering how come Capital One hasn't had its proverbial pants sued off yet. I mean, how on EARTH can a company like this stay in business?!?

In Mid April 08, I received a letter stating that Capital One had made an error with my new account and that I in fact would be charged 5.99 interests starting in June 08 to all balances transferred, showing on my July statement.

I contacted a Capital One's account specialist John on April 24th at 11:25 am. He explained that the letter sent was in fact an error; there was no record of letter being sent and for me to disregard this letter but to keep an eye on my account. If I were to be charged this interest to call and an investigation would begin as well as any charges made would be credited back to my account and the account I signed up for would stay in place.

I received July's statement and have been charged the 5.99APR.

I called Capital One Aug 12 2008 @ 12:37 pm. I spoke with 4 reps and the 4th being Account Manager Jennifer who was extremely rude and lacked any concern for what your previous specialist assured me to be accurate information. She explained that it didn't matter what any rep may have claimed and that an investigation had already been made. The letter I received trumps/breaches any and all previous contracts that may have been signed and she cannot change the interest rate and I should just deal with it! I am extremely upset and expect your company to honor what you offer your customer. I have excellent credit and have never missed a payment, I could have chosen any other offer but I chose Capital One. I would have never opened an account if I knew this was a fraudulent advertisement both via mail and internet.

I have asked Jennifer to close my account until an agreement can be reached.

I call Capital One to find out why, and the first rpresentative said to me that the rate was increased...with no other explanation. I asked to speak with her manager. The manager simply repeated what the fisst representative told me. NOT ONLY was I NOT TOLD about the Transfer Fee hike, but I NEVER received any correspondence as to the rate change.

My damage, is a 14.90 percent interest rate on my balance tranfer.

When I applied to the Capital One, I was transferring from a card that my rate was 7.9%. I would never have applied or tranfered money to a card that the interest rate was hihgher that the one I started with... My damage is that I have no recourse. And I will now be paying an outrageous fee, that I didn';t ask for, and WAS NEVER NOTIFIED OF.

I have heard of other people having problems with Capital One but I never thought this would happen.

First agents i spoke to were mike(fraud department) and hakeem, I asked if a call had been place to me by capital One to request information, no one could answer whether this was a capital one # calling, I asked if this was common practice by capital one to request information by phone, no answer was provided. I called the fraud hotline directly after being placed on hold for 10 minutes by mike. I spoke to Lenord, who submitted me to an hour long answer and question routine regarding my background. At which point I found myself able to ask him if someone had used my credit card. he indicated that their had been a high volume of inquiry calls placed to my account and capital one belived someone may have tried to access my personal information.

I requested repeatedly throughout the call that my card be canceled due to the nature of this circumstance. I was told by leonord that a fraud report had been filed and that I would need to be transfered to customer service to Mary an account manager who would close my account for me, during the tranfer we were disconnected. Once again I called capital one , I realized my account # had been changed , i spoke to roger in the customer service department and he indicated to me that my account could not be closed that a restriction had been placed to this account.

I asked to be transffered to the fraud department again to see what had happend, I spoke to Rachel, Rachel was not in the mood to talk to any one she simply put me on hold, transfered me to Shanne another account manager, she explained that the reason my account could not be closed was due to a pending investigation, this was confirmed by Leela A fraud agent who indicated it would be 30-60 days before I could close this account and that a new card with new # was mailed to mailed to me;which I did not request and told to over 6 people at capital one.

I am filling this complaint because I feel capital one may have jeopardized my personal information , and also to request assistance in closing this account immediately. Not only do I feel strongly that capital one may have made subject to some of identity theft; they have behaved unprofessionaly towards me , did not care about my request and their customer service agent and fraud agents were for the most part unknowledgeable. That Is why I am requesting assistance in the closure of this credit account. I have filed a fraud alert with the credit buruea confirmation.

2 hours on phone, possible identity theft.

What this letter says: Dear Sherry, My name is Tashamda G. and I have been trying to contact you concerning a possible fraudulent Capital One account that has recently been opened using some or all of your personal information. You may be a victim of identity theft in which your personal information (such as your SSN) could have been used by someone else to obtain credit. Capital One would like to correct this matter before any possible damage can be done to your credit history. The Customer Fraud Protection department at Capital One is currently handling the matter and I have been assigned to your case and will assist you in correcting this issue. Capital One would like to provide you with additional information to assist you....Please remember to contact Capital One as soon as possible, so that we can handle this matter. Your prompt response to this matter will be greatly appreciated. Sincerely, Tashamda G. Customer Fraud Protection

That was the whole letter. Now my sister has never had an acct with this company. I need to know if this is a fake letter. The letters look to be copied, not the real thing. They are black and white. Normally Capital One sends out colored letters. So, we were just wondering if you can find anything out about it. I can't find out anything. Thanks for your help.

This was created 2/20/08.

Everytime I try to access the account, I get rejected stating the information is incorrect.
I have been soooo...angry when calling customer service in behalf of password information.
The accounts are in my husband's name and I understand confidential information, BUT I pay all bills, use the computer, paying all bills for personal and business.

I yelled into the phone at both the customer service rep plus his supervisor.

I asked for tech support and eventhough I created the username and password, I was given the old Since the card owner has not authorized you for information on this account, you are denied.
I explained that I am the one accesses the internet information and pays ALL the bills, but still no information.

My husband will advise to give me access to his personl account.

This is like taking money without giving a receipt for 10 days. So, during these 10 business days, Capital One essentially has my money so that they can play around with it (get interest on it). This has got to be illegal. All automatic payments that I have scheduled with this card are now being rejected. I am unable to use the credit card.

I just yesterday send them a secure e-mail and TOLD them specifically that I won''t be able to make my payment this one time on the 5th of August (the due date) and ask them in good faith to please NOT to access my account with ANY further fees, as they already assessed my account with a $29 over the limit fee, yet when I logged into my account this morning , AUG 6th , I was shocked to see that Capitol One had assessed my account with TWO additional charges of $29, now making the total in fees $87!

I have NO intentions of paying these exorbitant fees, especially after I had the courtesy to contact the customer service dept and expelin myself and KINDLY ask them to waive any fees , as I am on a fixed income and also always pay my bill way ahead of time, and this is the thanks I get! They lack any compassion for their card holders even there are extenuating cricumstances of WHY a payment ONE TIME would have to be late! I will also be contacting The OTS, OCC, and the NJ attorney General's office for this outlandish practice that they are getting away time and time again.

Continued Finacial Hardships because of these EXCESSIVE repeated fees being assessed especially these last 3 -$29 charges. That's $87! I only have a $600 credit limit! This is EXTORTION!

A few days later, I noticed when I went online to make sure it had gone through that instead of the usual $45 minimum payment being due, it stated that I needed to pay $203.65 and that I had no available credit. That seemed very odd to me since I assumed that I would just be charged a $39 returned check fee on my next bill. So, I called last week to speak to someone about this and the person I spoke to said that it DID seem odd to her as well and she would look into it. She said she would get back to me and let me know.

I received a message from someone over the weekend, and when I called this afternoon to check on the status of my account, I was told that not only did I owe the large amount of $203.65, but it was also showing up as 70 days past due! I asked to speak to an account manager and was told the same thing and that there is nothing that can be done. This is wrong and I told them just that. They don't care and I was told that I had gotten as far up in the company as I could go (by this time, I had spoken to my 4th person and I believe her name was Claire--they should have notes on the situation, but I am not sure).

I do not want this to show up as 70 days past due on my credit record--I have a bad enough one as it is and this is just going to bring me down from fair to poor. I want to know if I have any recourse. This is absolutely ridiculous and half the people I spoke to (who put me through to someone else higher up) thought so as well...they could not explain why it was the way it was and had never seen anyone's account like that. Please tell me that I can fight this. By the way, I canNOT afford to pay 3x the amount of my minimum payment on the next due date (August 18th). Thank you.

Apparently, from all that I can glean from Capital One Bank, Capital One Bank has associated my phone number with a guy by the name of Kim Haungh (sic), who apparently lives in a different state, and has an account with Capital One Bank. They have called well over a hundred times since I got my phone. They are rude, hateful, and accusatory.

On occasion, I get to talk to a supervisor. Sometimes a supervisor figures out what I am trying to tell them and he will say that he will remove my phone number from this Haungh's account. However, a week or so later the hate calls start anew. I do no now, nor have I ever, had an account or credit card with Capital One Bank. I do not know why they are terrorizing my life. I do not know what to do to stop them from terrorizing my life.

I am nervous and distressed at this long term harassment. Every time the phone rings I fear it is Capital One Bank calling again. What can I do? Please help me.

They have called well over a hundred times since I got my phone. They arte rude, hateful, and accusitory. On occassion, I get to talk to a supervisor. Somethimes a supervisor figures out what I am trying to tell them and he will say that he will remove my phone number from this H.'s account. However, a week or so later the hate calls start anew. I do no now, nor have I ever, had an account or credit card with Capital One Bank. I do not know why they are terrorising my life. I do not know what to do to stop them from terrorising my life. I am nervous and distressed at this long term harassment. Every time the phone rings I fear it is Capital One Bank calling again. What can I do? Please help me.

Well in May 08 I decided to call to my surprise it wasn't reported so I report it again and I got it done. Well now the agent Sabrina added all my charges back to my account because she said I called in to increase my credit amount, I called in to check my balance, and I continued to pay on my account. So she wasn't going to take off the charges she had reached her decision. Not to mention it went on my credit report anyway. So I am at a lost of what to do. I didn't make these purchases. So please help me.

I can't pay for this. I want them to credit my account. I haven't been able to sleep or rest. This is the only thing of my mind until I get this resolved.

Several weeks later July 20th I recieved a card. Immediatly following activation of said card I realized it was not the card I had requested. All my attempts via phone (INDIA) to get this error corrected resulted in total confusion also mis-information from Rep. Comparisons of the card sent, and the card requested, clearly indcate per advertised details specific differences. This according to reps did make any difference..? After Lengthly conversations with rep's I was told to re-submit an application for the Initial card I had requested and to immediatly cance card sent to me.

Immediatly submitting the new application as advised..It was Rejected. After Another phone conversation rep advised me I would not be able get a card due to the fact I had cancelled the previous one? This was followed up with an No signature form letter via mail telling me I was denied a card. No Expalnations. I have excellent credit history, confirmed over 700. Never carry an outstanding balance. All my normal financial dealings are with Wachovia Securties exclusivly for over 20 yrs.

Basicaly deprived/refused use of Highly marketed/recommended credit card.(Whats in your Wallet!).

This time i was thanked for my years of prompt payments but they could not drop my rate because 24.90% is the lowest rate they could offer I asked her what about all the commercials on TV about low interest rates from Capitol one? I was told again that my current rate of 24.90% was as low as I could get. No explanation of why. I have an $1800.00 credit limit, I pay on time and I do not go over my limit why is it legal to charge me this loan shark rate?

I would also like to know why Capitol one charges a payment fee to make a payment by phone, I sent the payment? I am continuing to try and pay off this card but compounded intrest at 24.90% even with the card cut up, I will end up paying back twice as much as I charged. How can this be legal?

The last 2 debits were disputed and I will (eventually) get my money back. The funny part of all this is, I DON'T HAVE A CAPITAL ONE ACCOUNT. I tried to call them on each occasion. Last night I spoke to 9 different people in India and the USA with no help. Today I closed my bank account and have to start over. Capital One will NEVER be in my wallet.

Overdrawn checking account and negative bank statement during a home purchase process (bank statements are required and I have to explain a negative final balance). Numerous lost hours tring to resolve the problem with Capital One. The time associted with closing bank accounts and moving automatic payments and direct deposits. Refusal of Capital One to discuss the problem since I am not one of their customers. If I have a case, please let me know.

My mom wants to pay this bill, but with these charges we cannot get the balance down so that our payments make a difference. Plus my mother only gets social security. It is really a hardship.

When I called the 800 number to complain I was told the bill was legitimate because customers are not allowed to cancel their service by returning the card with a letter stating that the service was no longer needed. You have to call in to cancel your service, the customer representative told me. He said you cant cancel by letter, or by cutting the card up and returning it, the only acceptable method allowed is by calling in to cancel so I now owe Capital One over $71 for a card I dont have and they continue to add on additional service charges every month. Corporations like Capital One make their money the easy way, they steal it and file credit reports on anyone unwilling to comply with their deceitful demands.

My credit has been damaged. I am forced to pay higher interest rates than I should have too. In March I purchase a Ford truck at an interest rate of 6.9% when other customers were paying zero interest.

By May 2008, 2 other fraudulent charges, amounting to 167.08, had still not been removed, so I contacted Captal One. I was told they had not received my affidavid, so I faxed it again. In June, I received a letter, dated May 30, 2008, stating that the charges had been considered NOT fraudulent. I strongly dispute that! There is no doubt that these charges sre fraudulent, and I have tried to contact the Customer Fraud Investigator, Mytear J. at Capital One, numerous times. I have left 4 voicemail messages that have never been returned, my wife has left 2 messages that have never been returned.

Further, I have contacted someone else in the Customer fraud department, who claimed that only Mytear J. could deal with this situation, that there was no supervisor I could talk to, and in the end, he transferred me - yet again- to Mytear J.'s voicemail, where I left another message that was never returned. Two other times, I have contaced the fraud department to resolve this matter, and after being shuffled around and put on hold for over 1 hour, I was transferred again to Mytear J.

To date, I still have not been contacted and the charges are still active, and I am being charged interests. I really wish to resolve this matter, and would appreciate any help or suggestions you could give me.

I am being charged interest, and I do not want to pay the $ 167.08 in fraudulent charges.

I spoke to Tina McClinthen at capital one who is a recovery specialist and told her that there was no way i could come up with $1700 all at once and asked if I could pay $1000 now and make payments of $100 a month on all the rest to avoid going to court. She said I could send if I wanted to, but they would still take me to court. Well I had other accounts owed that this credit repair company screwed me on who were willing to accept the money so I paid them off instead.

It went to court in April and they were given a judgement of $1900 plus interest. So I received the letter in the mail and called them back. Again I spoke to Tina McClinthen. She said that I would have to make a minimum monthly payment of at least 10% of balance. I'm a stay at home mom who babysits one other child. I make $125 a week. I told her that the most I could pay would be $50 a month but my husband leaves for deployment soon and I could use his extra money each month to start paying $200 a month. I was told that I could send them $50 a month but it would not be enough to keep it from going back to court.

On July 3rd, 2008 my husband and I both tried to use our personal bank atm cards( not capital one) and were declined. Upon callng our bank, we were notified that capital one at put a garnishment on both of our accounts and took all of our money. I called Tina at capital one immediately and asked what the heck was going on. I was told that they had put a garnishment on both mine and my husbands accounts to collect their money and it would stay on there until August 4th when we went back to court. This was the first I'd heard about it. Luckily I was able to get my name off my husbands personal bank accounts but mine is still locked up. These people are total scam artists who will take you for everything you've got.

I'm totally stressed out about this and it's putting a big strain on my marriage. I found out the day after they garnished my accounts that I'm pregnant with twins and i'm so scared that the stress is going to make me lose them. I have to go 2 hours away from home to go to court in August to find out what's going to happen because I can not come up with $2200 before court.

This was upsetting because of what I was orginally told was not the truth, unfortunate for me this what not the first time I have been given the wrong information by a front line represenative which does not help the consumer and misleading. This is truly poor customer service.

I needed this information to assist with purschase of a home for my family and the finance company will not proceeded further without the information I requested. This information is time sensitive and very important to my family well being. If you would please look at my history of requested and problems that I have encounter you would obviously see that I as a consumer has been poorly mistreated.

Long story short I can no longer use this card. My mother was so hopping mad today when she heard this that she closed out her account. She loves her Chase card & the interest for her is 5% which of course Cap-One couldn't match.

I do not intendto pay this. That simple

I am going deeper in debt daily, I tried to work out an arrangement when I was not working due to health and they wouldn't do it.They have made it impossible to pay off with such a high interest rate.

I dish out a 138 dollar minimum payment everymonth, sometimes more trying to cut down a debt i made through troubles years ago at a very high apr. They took advantage of me then at 22, not notifying me that they were jacking up my apr to 28 percent. Now that its down to 16 percent, they are siezing that chance to nail me again. Sounds ridiculous, but it is true that my quality of life would be better if i could save that 150.00 I throw to them each month. Yet I can't even get a grace period.

I might not get the loan I was preapproved for for my home purchase. I also demand that my fees and accrued interest be refunded by comparing my payment times and dates with theirs.

no feedback from either parties

I have made countless calls to them and never receive a call back even though the vcml I get transferred to states they will call back in 24-48 hours. And when I call to compalin that no one is calling me back that I want to speak to a supervisor I get the roundaround and get put back into vcml for this person that never returns calls.

I have filed a police report and yet Capital One collections calls me on a daily basis and I end up arguing for 20 minutes going through everthing that has transpired. This is exhausting and they are runing my credit. I never consented to this credit card it was opened up fraudently by using my identity and need this to get resolved but am running into a corporation that does not care. Please help.

My credit rating shows an unpaid credit card and has dropped, I have spent countless hours on phone calls and sending letters to no avail, I am stressed and am getting no where.

My account remained open and they charged me late fee and interest on the original $29 late fee till it was over $270, then they reported it to credit bureaus. Now my credit has a derogatory on it and my home loan is 6.75-6.85% instead of 6.5%.

I have spent numerous hours on the phone with Capital One Representatives, and each one gave me a different answer. I was promised the money back many times, including one Senior account manager who assured me he would transfer the money back to bank of America. That was never done and the next rep. told me they could not make the transfer back and my only choice was to take two large cash advances at my expense to get the money back. Bank of America has closed my account stating I have gone over my limit of $25,000 and they have charged me cash advances fees, and over the limit fees. I am unable to apply for a much needed business loan at this time, because of this mess showing up on my Bank of America account.

On my credit report there are now 3 instances of being late more than 30 days on monthly payments.

I wrote the check for $14,700 and deposited it into my bank account on February 11, 2008. The minimum amount due for the March statement was $441 and was made on March 28, 2008. A payment of $433 was made on April 28, 2008. I had noticed I was being charged a finance charge, but I thought it was for the required 2% service fee. When I was again assessed a finance charge, I called Capital One's customer service the first week of May. I was assured that the problem would be remedied.

On May 10, 2008 there had been no change to my account. I called again, and after going through several people, and this time I spoke to Carrie, Account Manager, #ZPU666. I told Carrie what had been said to me and she took all the information down again. She told me that I'd see the credit to my account, but that it could take as long as one to two billing cycles.

On July 8, 2008, the account still had a finance charge assessed to it. I called and spoke to Blake first and asked him to transfer me to an account manager. He transferred me to a woman whose name I never understood. She told me that the account had been reviewed and the request for a credit had been refused. I demanded to speak to someone higher up. I was transferred to Christa who is an account manager, too. She said that the request submitted by Carrie had been denied. She mumbled, "Apply request number 13427." I asked her to tell me what that meant and she said that it means the "upper office" denied it because I used the wrong check. She offered to submit it again.

I demanded to speak to someone higher up the chain. She said she could transfer me, but that the people above her have no ability to override that decision. She transferred me to Frances, Senior Manager. Frances said that the check number didn't match the check number for the no interest offer. When I told her I had called before cashing that check and was assured that there were no strings attached, she asked if I had a copy of the letter I received with the check. I told her I didn't keep a copy of that letter. She said I should have. She said that unless I had a copy of that letter then there's no way to prove that they are at fault. I asked if she could just transfer the current balance over to the no interest offer now, and she said that was not possible. She offered to look into it further if I should later find the letter somewhere in my paperwork. I hung up.

July 9, 2008 Knowing that 14.99% interest is too steep an interest rate, especially on $14,700 balance with more than $13,500 still due, I contacted Chase Bank and arranged for a balance transfer through them. They wired a balance transfer of $13,500 to the Capital One account on July 11, 2008. They assessed me a $405 transfer fee. My balance with Chase Bank now stands at $13,905.

July 14, 2008 Received photocopy of balance transfer check. It is NOT a purchase check (no markings indicating it was a "purchase check," as do the purchase checks I received in the mail this past Friday). Called and spoke to Dan and asked to speak to a Senior Account Manager. I was connected to Charlie, Sr. Account Manager. I told him the situation and he apologized for the misunderstanding and said he would investigate this matter and see what Capital One can do for me to remedy this problem.

I told him the only thing, in my mind, that would remedy this problem to my satisfaction, would be for them to refuse the payment from Chase bank and put the account into the proper category and reimburse me the $405 I had to pay the Chase to make the $13, 500 transfer.

Charlie said he couldn't refuse the payment and that the best he could do would be to reimburse me $850. That will cover the cost of the interest I had to pay so far and $120.28 toward the $405 fee I had to pay Chase bank. When I asked why I could not be correctly put into the 0% interest for 18 months, he said he couldn't do that because that offer isn't available in my area. My complaint is that it WAS available when I wrote the check. If nothing else, I want the FULL $405 I had to pay Chase for the balance transfer of $13,500. I want all my interest paid to date AND the $405 I had to pay to Chase Bank to get a transfer to a lower interest rate!

My original deal should have been: Zero % Interest for 18 months. There was to be a 2% fee on the total amount transferred. What I have paid to date and when I made the payments: I transferred $14,700 and should have had to pay $294 in transfer fees. On March 28, 2008 I paid the minimum balance of $441.00. On April 28, 2008 I paid the minimum balance of $433.00. On May 28, 2008 I paid the minimum balance of $426.00. On June 28, 2008 I paid the minimum balance of $418.00. On July 9, 2008 I paid the minimum balance of $200.00

July 14, 2008 Not being satisfied with the remedy Charlie gave me, I called back to customer service and spoke to Leona. I asked to speak to a Senior Account Manager. She asked me what my call was in reference to. I told her the story. She connected me to Sue. Leona said she had explained the situation to Sue before she came on the line. After being told by Sue that I had used the wrong check for a balance transfer I lost my temper. My husband Keith took the phone from me and talked to Sue. She told him that the transfer balance check numbers were between 45147 and 45158. My check number was 45153. When he said the check falls into that sequence, she said, "No it doesn't." My husband corrected her. Check number 45153 IS between 45147 and 45158. 45147, 45148, 45149, 45150, 45151, 45152, 45153, 45154, 45155, 45156, 45157, 45158.

When I cooled down, Keith gave me the phone back. Sue told me that it would take about 48 business hours (which I guess means I won't hear anything until next Tuesday, July 21, 2008) before she can get back to me on the matter. July 15, 2008 Sue called today. She said she did get the check and, "Yes, it was in the category to get zero interest for 18 months." She said she's credited back our interest paid and had we not transferred our balance to another account, she would have been happy to honor the original agreement.

I asked her why I wasn't given this information two senior managers before and she said she didn't know either of those managers. I asked to speak to someone higher up and she said she was the highest level at Capital One. Imagine that. Frances and Charlie were senior managers,too. Why didn't they make that effort? We entered into a transaction based upon a written promise from Capital One. That promise was that we could have a balance transfer rate of 0% interest for 18 months. All we would have to pay was a 2% transfer charge, which I was more than willing to do. I wrote the check for $14,700, knowing I would have an additional $294 as a transfer fee. Capital One failed to fulfill its written agreement and instead pulled a bait and switch.

They raised our interest rate from zero percent for 18 months to an immediate application to 14.99 percent. This slight of hand forced me to take emergency action and secure a more affordable loan for the remaining balance of $13,500. We now have a loan at 3.99% that we had to pay $405 to obtain. I would have been able to pay my entire loan amount off within the 18 months if I had been given the zero interests for that time period. Now, I will accrue finance charges for my loan.

When I did send a payment they tore it up and sent it back to me. I did not pay them due to their methods and always coming up with a different balance. I wanted to be able to pay it off knowing that it was going to make a dent. However they were acting so crooked in their fees that Im not real happy throwing money in the air and being ripped off! They have taken me to court and I responded however I made a mistake by not bringing an attorney. The judge sounded as if he sided with me and has had many cases with this same company and said he will have to think about his decision (It has reached a statute of limitation) and I had alot of evidence. This legal recovery service could not provide the original contract.

However I have just found out they have gotten a judgement against me for double the amount of the original debt! This is so unfair PLEASE HELP! I have suffered dramatically with my credit, unable to rent an apartment, undue amount of stress, palpitations, HARRASSING PHONE CALLS,

I do not understand why the woman that gave me that 'courtesy' did not explain the reason for it so that I would not make the same mistake again. I told him that I will be paying off my card and never using it again. I checked my paper bill. Underneath the amount owed, in smaller text and with no explanation accompanying it, are the dates of June 4 to July 3. It would have never in a million years occurred to me that I would be punished for paying my bill early. I can only guess how many others have fallen into this late fee trap.

Damaging to my credit, doubled my minimum payment.

I just wasted 2 hours of time trying to apply for a credit card with capital one and all along the offer was phony.

On the 9th of july the repo man showed up at my door asking for 1000 dolalrs or my car. I told him that an arrangement had been made to make only one payment then the rest on the 25th of july. he said there was nothing he could do because the bank nolonger owns the account. My main complaint is that the bank told me one thing, then done another. I need my car, that is all the trasportation I have.

I will lose my job, if I lose my car.

To add to our hardship, my wife has recently been served a summons to appear in Small Claims court. We were told we could either go to court, or contact the attorney representing Capitol One. After we gathered our composure, I told her to fight this lawsuit, as it appears to be a dirty legal tactic. My wife is beyond stressed we asked Crapitol One to work with us, and were treated like cheap hookers on the street. What is adding to our straining marriage is that they dont care if a family is on hard timesand they act like everything is fine. This has affected my marriage, or added to the problems we currently have - the end results being an adverse credit rating, foreclosure of family home, ailing in-law, etc.

I will add that my worry is the ruling of the judge wont stop Capitol One if the judgment goes in our favor. If they get a favorable ruling however, they will tack on fifty times more than what we owe, and force us to sell things including those of sentimental value to pay off the balance.

Today I had to listen to Tara and Shirley from Capitol One Customer Service tell me that a zero-balance isn't proof of payment in full...that I should have overpaid the account by $64.68 in order to avoid the $9.56 finance charge. What rubbish! Let's do the math, too...assume for a minute that the erroneous charge of $64.68 was valid, 9.56/64.68 over 30 days amounts to %177 APR.

Not much...I'm out $9.56 and shopping for a new visa card. I just want to add my voice about how this company operates...for anyone who might consider applying for a Capitol One credit card - don't!

I finally got the card accessed and after having the card opened for only 1 week had received two other letters placing my card on hold for fraudulent activity. I finally closed the card that night and will never work with Capitol One again.

There were no monetary consequences thru these actions since I was never able to use the card. Overall after only having the card open for a week this will negatively affect my credit and will hinder me in trying to attain a mortgage loan.

I thought this was now over but 4 months ago (3/08) a charge was apparently posted to my account - strange all credit cards were destroyed.

They have ignored all letters and faxes. On 7/12/08 I received a letter from NCO Financial stating that the account had been turned over to them for collection.

FICO score has gone down 100 points so far - all my other credit is perfect. I have had to change my home phone and business phone because of harassment.

New balance after charge off . $389.00 attorney fees, $777.0s taxable costs. $918.23 princ. bal.18% per annum. will now outcome tomorow.

Sent several messages thru their website and was told repeatedly that when my balance reached zero the account would close. I questioned the ability of the account to reach a zero balance from the credit balance. Just checked online again today and for some reason I now have a balance owed on the account for $3.13 even though the card has not been used for at least a year. The summary of charges just lists other.

As soon as the people at Capital One heard my father was deceased, they turned into robots saying the card and all linked cards must be shut down. They had no concern for the impact to the business. They refused to listen to the fact that my mother was an officer of the company. Finally, one guy took the time to listen and told us to fax all of the information over to General Correspondence and explain why we needed to keep the accounts open. On the fax we also provided contact information if the recipients had any questions. We received no phone call, but they just cut off the accounts two weeks later with no warning. We have employees who need to make purchases and are going to have to use their personal cards until we can effectively take our business elsewhere.

Yesterday we spent two hours on the phone with people who refused to escalate the call, and today we are on the phone again with more people who refuse to give us their last names or escalate the calls. We'll be applying for a new card with another company, but these guys are just ridiculous. My mother has excellent credit - if they'd just take the time to take a look at it, they'd see that she would make the type of customer they'd want. Not to mention, our company has excellent credit. It's a shame that Capital One just couldn't give us a straight answer or work out a solution with us.

They closed the account, auto payments bounced and it caused much added stress to my situation. I have a 614.89 credit owed to me that will be yet another two weeks before I can receive it. The final straw was my No Hassle rewards. Since only Paul's name was on the rewards part, they will not let me redeem them. How hard can it be to simply give the rewards to the man's widow? All I wanted was a few Target gift cards! It is more the inept attitude of all the people I spoke with that made this a matter of principle.

Throughout all the calls, changes and financial dealing I have had to realign these last two months, Capitol One is the only company that has been repeatedly unwilling to assist with my requests and needs. I just want others to be aware of the lack of customer service offered in a time of need.

I have been denied the earned reward points, been denied access to the card that has been kept in good standing, been treated disrespectfully.

Then I have found out that my card was up to $1,000.00 so I called and talked to them again they said I have been useing the card and after the fact I cut the card up. I asked them to send me recets with my name on these charges. Here it is 2008 and I have never seen these items with my name on them. I told Capital One I wold handle the $250.00 dealth but all the other charges that where very questionable sence the card was destroyed in 2004 I was not going to deal with. This has screwed up my credit and I have wrote my congressmen from Illinois to help in this matter.

Bad credit report

I called and they basically said they couldn't reverse it because it wasn't their error. The online system let me do the transfer, I think it is their error. It is a scam to rip people out of money because we are getting smarter to their tactics.

Capital One will not reverse the $35 so now I am out that money. That is almost half a tank of gas for me. I'm now thinking about taking my money out and going else where.

I didn't find out till around the beginning of 2003 after checking my credit report. I then called Capital One and spoke with a lady, I can not recall her name, but she looked at the transactions and signatures and stated that she could tell that I had never used the card. So she told me that she would take my name off the account and leave my cousin's Ex-girlfriend accountable for the credit card.

Well, I thought that was the end of it. Now, in June of 2008 I get a letter in the mail from a company called Northland Group Inc. stating that I now owe $1078 for this Capital One credit card account. I didn't hear anything from this account from 2003 till now. Now all of a sudden I am accountable again for this account according to them. I can not get anything done through Capital One, because they say they can not find an account for me, and this Northland Group says I have to pay them and work things out with them, although they can not look up the history of the account. What am I to do?????

My credit is really hurting because of this. I am trying to get a loan for a house and can not. By the time I can get this straightened out, if it gets straightened out, the house I want to buy will probably be sold. According to this Northland Group, the account is still accruing interest at 25%, so that is just hurting my credit more. My stress level is sky rocketing, and I have a disease that is affected by stress, so needless to say I have been very sick due to this. Please someone help me!!!!!!

$78 total (2 times $39). The issue, however, is that Capital One is doing this as a matter of practice and should stop doing this.

This error by capitol one has caused me to pay an extra amount to a company that advertised to me a 0 percent interest rate for a year

I discovered the mentioned bank has entered their name on a a credit reporting agency 7 times. Can they do this? It seems to me this is total harrassment because I may not have given them but two permissions to check my credit. This looks bad on my credit when I am trying very hard to maintain what I think is good credit. I asked that they eliminate all inquires on all credit reporting agencies. I have already complained against the bank via The Better Business Bureau in Cental Virginia, Inc. This was done 6/25/2008 and received a reply from Capital One Auto Finance 7/8/2008 who suggested I contact Capital One Credit Card Division at mentioned phone #.

Possible turn down for credit due the the amount of Capital One's many inquires.

You cannot imagine the inconvenience of having to change cards for all of the accounts I deal with and the loss of the account history. This is incompetence at its worst. I would appreciate a call from someone who understands the issue and who can deal with it

About 6 hours of wasted time which in business I bill at $400 per hour.

I paid cash and immediately began trying to call the Capital One 800 customer service line. The line was busy! I called repeatedly to no avail. I finally got the automated system and dialed 0 for an operator. After being on hold for 20 minutes a customer service specialist picked and acted as if nothing was wrong. She verified my identity and proceeded to tell me that my accounts were in good standing and verified my balances. It was not until I asked her if the system was down that she disclosed that there was system wide problem and that I would not be able to use my card. She placed me on hold to find out when the system would be back up only to come back and tell me that they did not know when the system would be functional again.

Capital One could have allowed courtesy purchases as North Fork Bank, who it bought, did when its system crashed when it took over Trust Company Bank. North Fork Bank allowed everyone $200.00 purchases or withdrawals until it could fix the system. They limited customers to this amount b/c while the system was down they could not verify balances but understood that this is a major inconvenience or worse people could have emergencies that require usage of atm cards. There was nothing on the Capital One website about this situation. It was 4th of July weekend and they should have been prepared for increased credit and atm card usage

Capital One has a history of deceptive practices and poor customer service, which is why I was not pleased when I found out that they were buying my bank. Capital One is currently being sued by the State of West Virginia for illegal and deceptive practices. While extremely polite it was abundantly clear that the customer service specialist was not going to inform me of the disabled system if I had not asked. And frankly having your card declined is extremely embarrassing

I'm requesting for someone to invesigated this matter and stop the GIMMICK GAME of this company over charing me for OVERLIMIT FEE and LATE CHARGE FEE!

i should of been done by now i wrote no reply i called no english i send 100.00 a month hasn't gone done.

getting chest pains nervous condition upset taking it out on friends and family. excuse typing

i should of been done by now i wrote no reply i called no english i send 100,00 a month hasn't gone done.

getting chest pains nervous condition upset taking it out on friends and family. pls look up capital one rip off then you'll see. excuse typing

what resulted is than im a laid off freightliner employee with another bs bill of 80 more dollars for being a few day late not 30 not 60 a few days and why does the goverment not step in with the economy like it is and stop this.

Well this didnt happen. Ive been told over 20 times that yes this is my account and I need to pay this balance or its going to stay on my credit report for 7 years. Im not paying for something that I didnt do. I was away at school and informed them of whom Im sure did this. They dont want to hear it and I aint paying. I need some serious help with this. My credit is being damaged and I cant afford to lose my score

I'm requesting for someone to INVESIGATED this matter; that is very important to me; Now I believe your ripping the customer off by adding OVER LIMIT FEE'S of $19.00 dollar and PASS DUE FEE'S of $29.00! I believe this is a GIMMICK GAME your have with the customer and your company; Someone need to review this matter; A.S.A.P

Ended up going downtown to Main branch giving them $ to straighten out acct. on the 24th of June and today 7/2/08 received yet another letter threatning turning over to credit bureau.

having to take time off of work to do my banks job as a financial institution. Menta anguish, harrasment and downright miscomunication on their part resulting in my account having a negative balance and messing up my account. Also, harassment as far as threatning me with my credit from a result of their incompetence to start with. Not to mention the $50 parking ticket we got taking care of this (supposedly).

I am mentally distraught.

no credit available until they decide to post the payment which is already deducted from my checking account.. 10 days ago..

Since January an unauthorized charge appeared on the account. I disputed and it was removed. Tonight they billed me a $49.00 annual fee for having the card! I called, spoke to a man with broken English and was told I was to pay the fee even though I have no card and have not used the account.

Since January I have emailed these people 5 times, sent 3 letters and called twice asking for the account to be closed and the credit line zero out to no avail. I closed 4 other credit card accounts and the banks were more than helpful and I continue to make my monthly payments as agreed. Capital One refuses and continues to cause me problems What can I do?

I have good credit but I will not pay my Capital One payment this month. If I do, they will apply it to the annual fee. Why should I pay a fee for a card I no longer have and for an account I requested closed since January. PLEASE HELP OR ADVISE ME WHO I CAN CONTACT THAT COULD HELP ME.

It turns out that what I was told by a customer service agent is not what I thought I had. It took me nearly 2 hours of being constantly transferred and discontected twice (and of course having to start all over again) to realize that I have been misinformed. Their agents do not know the answers to questions, do not know where to get answers and when they get frustrated, you get discontected. Capital One is one longer in my wallet!

I tried to make arrangements for smaller payments and/or charges being removed from my end balance, however, my request was refused. They referred me to their financial specialist who informed me they would have to charge me a grand fee for their services and to help lower my payments. I refused this high dollar service and that same day I logged into my on-line account where I noticed that they had put a perminent block on my account. I again called them to find out how to remove this block from my account. I talked to one of the operators from their toll tree number and she informed me I needed to write a letter of reinstatement and fax it over to them right away. She said once I did that they would gladly reinstate my account. I did as I was directed right after I hung up the phone with them.

A week later I logged onto my online account and I noticed that my account was still blocked even though my credit limit was under the limit. I again called Capital one and informed them of my conversation from the week before with the Capital One operator. Although she acknowledged that my conversation had been recorded in there system, She refused to lift the block, stating I needed to apply for a new card. I explained to her that I did not want another credit card, I just wanted my old card fixed. They tried again and again to have me apply for a new card, stating they would love to continue doing business with me, however my old account could never be reinstated.

Hassel free? Very far from true. I can't wait to rid myself from any association with this Company.

I am a Heart Patient, and the stress they are causing me is affecting my health

I received one letter from Capital One in February 2008, requesting documentation. This was provided again. I sent letters to Capital One throughout March 2008, requesting status. I received another letter from Capital One, dated April 9, 2008, requesting these documents again. This letter said my documents must be received by April 18, 2008. I wrote a note on this letter, reminding Capital One I had already submitted these documents several times! Capital One never confirmed this. i sent another letter May 1, 2008, requesting status. I received a letter from Capital One, dated May 18, 2008, stating they closed this issue, since it was over 120 days!

When I have tried calling Capital One, their computers have been down. Whenever I try to send via fax, per their letter, the fax number doesn't work. I have my fax history sheets showing this. I called again June 20, 2008. I finally spoke to a Rep named 'Mandy'. I asked for a Supervisor, Mandy said I had to explain my issue first. Mandy also said she didn't have a record of my letters. Then, Mandy found my file. Mandy said I would NOT receive a credit, since I didn't provide proper documentation. I explained I did this. Mandy said I didn't provide the 'Correct documentation. I explained this was never explained in the letters. Mandy said I had to obtain a release from the seller. I have never heard of this. This was never an item requested in any Capital One letter.

Mandy said she didn't believe I disputed this in December 2007 and January 2008. Mandy suggested I was making a 'false' statement. Mandy said my case didn't warrant speaking to a Supervisor. Mandy then said I had sixty days from date of purchase to submit my dispute. Mandy stated I didn't do this. Mandy seemed determined to 'block' my credit. Mandy was also incorrect with this statement. I read my credit card policy, which states sixty days from date of last statement charge appeared. I was so upset during this phone conversation, that I forgot to mention the April 9, 2008 Capital One letter, requesting my information all over again. This would have been past sixty days.

This charge is $333.00. In addition, I have been charged interest on this amount. I had other purchases where the seller issued a refund in December 2007. On my April 2008, Capital One re-billed me for these credits. I truly do not know where I stand. This doesn't even count my credit of $333.00 owed me.

I called them and asked them what happedned and told them that they made an error. They said that in 4 days that they would reeactivate the card. 1 week later I called back again and they said that thieroffice review it and declined to reopen the account. They told me to reapply and I told them that I use this credit card for business and that I have everything connected to this card and I would have to switch everything over. They said that there was nothing that they could do.

I have the thank you letters from them dated June 2 2008 and June 6th 2008. I have also asked them to fax me the explaination on why they could not reopen this account. i guess because I paid my bill ontime They did not want me as a customer.

I travel and need this credit line and now my boss is very frustrated and I could lose my job.

In the past, I've never gotten a confirming email, just a note on the website thanking me for my payment. I also told her we were on vacation & not anywhere near a computer. She refused to waive the late fee & finance charges that had accrued. She was very rude & argumentative. When I asked her to speak to her supervisor, she told me that there was no one I could speak with (I think they're taught that in their training).

I always make my credit card payments on time & in full just so I don't have to pay any interest. Since she wouldn't cooperate, I asked her to cancel my credit card & she still gave me a hard time. To this date, I still have not paid my credit card & will not, due to the late charges & interest that they won't waive. I figure if I'm going to have bad credit for not paying their fees, I may as well have bad credit for not paying the full amount.

So much for their No Hassle rewards program. I will never use them again!

So in March I transfered $20,000 in debt, for a one time charge of $600. I found that to be a fair deal as I am reasonably sure I can pay this off by the end of the 12 month period. To my surprise, I got a call stating that the account was being turned over to collections because I've not made a payment.

It turns out, that a monthly minimum payment must be made - though this was never explained to me. Accordingly the interest free 12 month loan is no longer good, and I'm now being charged interest. I was able to talk them down from 24% to 10%. But there is no way they will make good on the original offer. WHAT A RIP OFF! Had I known this, I would not have made this loan. I thought it was a revolving line of credit that happens to issue a card in case I want to take on more debt.

I'm paying 10 % interest on top of the one time 3 % charge until I can find a suitable replacement lender.

Thsy agreed to forgive the 39 dollar fee, but would not forgive all the interest that had accrued before we became aware of the situation. How can they still take money from me when they admit that the late charge was a mistake? They had no explanation for their action, just that it is policy.

I almost hung up but cooled off...after a few minute hold was asked the exact same questions by another person, with added questions, like a survey imbedded within the process to force extract marketing data. I answered them as best I could but was curt. Finally at the end of what seemed like 10 questions with 4-5 mulitple choice answers in broken english no less, the rep tells me he cannot activate the card without a copy of my social security card and license. WHAT! I said you are kidding. He said no. I basically said forget it...I just opened an American Express account and activated it on line in less than 20 seconds and that I had been on the line for almost 15 minutes already. I told him to cancel my request I was cutting up the card.

Get this, he told me that I could not cancel it without sending in a copy of social security card and license...so now I can't cancel a card that I cannot get activated...I told him to do what he needed on his end, that I was cutting up the Capital One card into a million pieces and hung up. This card is simply filled with hassles before you can even activate it. Sorry to anyone who has one. I cannot even begin to imagine what it would be like to dispute a charge if I cannot even activate the card. Of course there is no link on the Capital One website to file a customer service complaint.

consumers need to know not to waste time with this company, which falsely claims to be hassle free in its multimillion dollar ad campaigns.

They were the rudest, most condenscending people I have ever dealt with. They were adament that they wanted everything like right now to include all the late fees. I had maxed out my limit of $500. But with all the fees they wanted close to $900 to settle. I said I could pay the $500 principle and possibly up to $200 in interest. They said no way. I wrote them a very lengthy detailed letter explaining my situation but never heard back from them until in Late 07 I get a court summons indicating that Capital One is Sueing me for $1200.00 and that to avoid judgement they recommend mediation.

I went to the mediation in Aug 07 and it was a joke. The Lawyer repesenting Capital One had his marching orders and indicated that they would not settle and now wanted the whole amonut, but would take payments. At that time my business was on life support. I was working a $10/hr job just to put food on the table for my family. I said no. I can't afford those payments and I did not agree with the amount owed.

I was sued, the judgement for Capital One for roughly $1500 w/Lawyer fees added on. I have not yet payed back the judgement. I have shut down my business and am currently working a commisson only job. Had Capital One been willing back in 05 to work with me. They would have gotten their money plus interest. But after researching Capital One. I realize their goal in making money/profits is in the late fees. They are aggressive beyond belief, almost bordering on preditory lending practices. I know What is NOT in my wallet and I will never, ever, ever get a Capital One card again. And I am almost making it a one man crusuade to stop people from getting a Capital One Card, without at least doing a google search under Capital One Consumer Complaints.

Our bankrupcy was heard in court June 7. They are still garnishing me today. My attorney is still trying to get it stopped but they are not. This is not right and I am not sure what else to do. They were of course listed in the bankruptcy. Thank you.

I only work part-time. With the cost of gasoline and everything else going up I need all of my check. I usually bring home about $165.00 a week if I was not being garnished. They take anywhere between $25 to $65 a week out of my check. I has caused economic hardship to our household every week.

Funny thing though, they didn't give me a date on the phone when I called them last week. Plus, when I get these offers in the mail from them, they usually last about two weeks. So, because I have $ (thank the Lord) in the bank, I paid them off (about $490.00) immediately on-line. I've been a customer of theirs for over 10 years and my credit score is over 780. I went to American Express where I got approved on-line and I'll use their card instead of Capital One.

After filling out application with special approval number online I waited 3 weeks with no response. After 3 weeks I called capital one to check where my card was I was told I was rejected. After explaining situation I was told a review would take place by the first person I spoke with Cathy I.D.#wjh713. Then I asked to speak to her supervisor Sherry I.D.#xfs376 who told me I had to write a letter to make a review happen. Then was told she spoke to her supervisor who put a investigation on what was going on with my account. I then asked to speak to that supervisor Sheryl I.D.#ozo896 she told me that she had just recieved the information and did not know what was going on.

So after being lied to twice in 15 minutes I asked to speak to her supervisor and at that point was told I was not allowed to speak to them because they dont speak to the public.I was not allowed to know their name nor was I allowed corporates phone number. So now I sit in limbo with no information and no proper customer service.

A planned vacation for a friend was to be used on the card but now that cant happen. And still waiting to start rebuilding credit.

Customer Service people are very rude and argumentative. I have offered and will pay my account in full, they refuse to work with me and removing thier fees. An affordable monthly payment for me is $99, they refuse to accept the proposal from Care One Consumer Credit and accrue fees every month of $78.

My account is now 5 payments behind with an excess in fees of $800 and climbing.

Nothing was done, they are still holding my payment for ten (10) calender days. I have yet to find anything stating this policy and I want something done!

I then got a letter about a week later from the same person who called me about the fraud originally. It said there was suspected fraud and that a hold was on my account, so I needed to send in a copy of my driver's license, social security card, and recent utility bill in order to get the hold removed. I just got this cleared up over the phone allready, and why would they need all this stuff just to verify it was actually me that made the charge? This time around the number that they told me to call was again not the same number as on the back of my card, so I called that number and asked what the deal was with this letter I got, and the guy told me that I can disregard the letter, because it was just automatically sent out to me when the fraud dept. originally called me, and that there was no hold on my account.

Fast forward a week. I was trying to check the account I had set up online through their site, and I got a message stating that This account has been restricted. So I make the dreaded call to Capital One to see what's going on, and start talking to one of their many outsourced employees who I can barely understand. I told this guy what was going on, and he comes back saying my account has been closed. So I told him that I had allready got this fraud stuff straightened out, so there must be some kind of mistake. He wouldn't tell me the reason it was closed, so I asked to speak to someone higher up. I waited on the line for about 5 minutes, then same exact guy I just talked to comes back on telling me my account had been closed, like I hadn't allready heard him tell me that ten times 5 minutes ago.

After that I decided I wasn't gonna pursue that any further, I didn't wanna deal with it. Guess I should've checked out all the horrible reviews and consumer complaints about the arguably worst credit card company ever before applying for this thing.

tried contacting them again, to see why they kept tacking on late chgs and over the limit, now we dont even use these cards we dont even have them, or use them, cant seem to get in contact, or if i do they dont return any calls, im sick of this. wished i had never even trusted this company to be a good credit card

well its ruined our credit, they keep screwing with the interest, ive had it, im on so many depression meds im not sure i can even afford those anymore.

This year, around tax time, I recieve a call from a Collection Company that said they wanted to settle for $1500. I said I would love to do so as I do not want this haunting me any longer. I offered them $400 from my tax refund...and they refused!!! They told me I had to pay $500 per week for the next 3 weeks! I kindly told them that I do not even make that kind of money and could not agree to those kind of arrangments. They told me I should have gotten a better job, and I would not be in this mess! Yesterday I was served with a suppoena to appear in court in 12 days regarding this matter. However now they are demanding 3900 for a $1000 card that should have NEVER gone over the limit, not to mention that within the last year they have tacked on another 1200 in interest alone.

I am very nervous about this and have never been to court before. I do not know what to do and feel helpless. I have never even set foot in a court room before! As if its not bad enough to kick a man when he's down, but now they are saying they are going to garnish my wages, put a lien on my car and/or my taxes. How can they say that I owe $4000 for a 1000 card that was charged off? Not only that, but to have lied to my face like that...this disgusts me

Because they did not keep their word to me about the insurance coverage, my credit report has suffered as well as my home life because of unpaid finances and harassing creditors.

althought Capital one apologized i still had to pay all fees and the rep who wrote the notes in the system mysteriously does not work there anymore so they are still after 2 years charging me. Another time the tow truck broke the door handle off of a garage where they thought my car was.

Another time they came to a home that was not mine but insist that i live there and was turning door knob, kicking door, and banging with hand saying i know your in there. i dialed 911 and police did not catch them but they saw them speeding away to avoid police.

They ended up getting my bank account number wrong, and declining the settlement, for 2 months they gave me the run around, and said they could no longer do the settlement! I told them it was THEIR mistake of getting my bank account number wrong, and they need to fix it and I refused to pay on it. Well they fixed it alright, my paper statement says I owe them $290, and THEY are telling me I owe them $454! I absolutely refused to pay it until they can get my paper statments fixed! To this day I refuse to pay it BECAUSE of their mistake!

My credit limit is so [bad] now, I applied for a new car loan, and was refused, I can no longer apply for anything, besides PAY ME NOW stuff.

I called the customer service number on the back of the card and after going through sevel levels of auto-attendants, I finally got a live operator overseas who said that i was all set and to go ahead a try again to put through again. I tried again and was denied again. I called back customer service and they said they would put me through to a customer service specialist. They put me on hold and after 10 m9inutes, I was cut off. I tried again and after 10 minutes got a live operator who again put me on hold for another 10 minutes. I then got an account specialist who told me that I was all set and to go ahead and try it again. I tried it again and it was denied again. I finally gave up and used my CitiBank card and it went through first try.

The company in England that I was trying to pay sent me back emails after each failed attempt stating that my payment was denied and asking me to please resolve the matter immediately. This was highly embarrasing and may have damaged my reputation with this company which is my accreditation organization as a business advisor.

Last month, I ended up owing $796 on a 750 card. I sent them another $100.00 dollars, and they charged another over the limit fee and another credit information and a finance charge which left my balance at 749.47. It wasn't even over and they charged a late fee. They've charged 3 or 4 of these $39.00 late fees and they invented all of them. I have never overcharged the account and I haven't used it since it went up to $745. Ive paid 3 payments totalling a couple hundred dollars.

Well, I should owe them about five hundred dollars, but they say I owe them $749, and I'd be willing to bet they will tack on another credit info fee and a late fee before I can get a payment in to them.

So, I made a 3 way phone called and he authorized me to speak with the representative, she was unable to help due to the fact that I dot have a power of attorney on file. My question was can we make payments and plase stop this account from accruing fees duie to his health condition...they answer no. He is already transfer to the hardship department. His APR went to 25.15% and they will not stop hammering him with late fees. They wanted 200.00 ONLY in excessives fees in other to stop charging him with more fees !!!

Is being 3 weeks since then, I decided to contact them again today and again I was told NO we need tospeak with him. So, I made a 3 way phone called and he authorized me to speak with the representative, she was unable to help due to the fact that I dot have a power of attorney on file. My question was can we make payments and plase stop this account from accruing fees duie to his health condition...they answer no. He is already transfer to the hardship department. His APR went to 25.15% and they will not stop hammering him with late fees. They wanted 200.00 ONLY in excessives fees in other to stop charging him with more fees!

Again his APR went to 25.15% and the account got closed by them, credit of course ruin, and this account will continued to accrued excessive fees..My dad now knows about this situation and can have serious (more) serious consequences... He is very ill already. this is ridiculous.

I received my monthly statement and and noticed my APR was as 12.65, instead of the 9.9% that we agreed upon. I called Capital One and talked to several people and finall got a account manager who after much conversation, told me that when I negotiated the lower APR and balance transfer, the lower APR was submitted for approval and declined. I told her my story,and told her the whole transaction depended on the lower APR. She said I must have misunderstood and there was nothing she do about it. I told her I intended to complain to someone. Still there was nothing she could do.

You know it's only a matter of a few percentage points, but I am retired and have a fixed and limited income. I'm looking to save all I can. I would not have done the deal. This was an unfair and I think illegal way to do business. They didn't even notify me that the request to lower my APR was declined. I intend to pay off and cancel the card, but this will take time. The balance is almost $2600.00. Something should be done about these practices.

As a single mom this error is costing me food and gas for my children and I need it for daily living.. I really just want the 322 that is already mine?

I did not know that I was dealing with a business on the East Coast where I either have to call at 6am, before work, or they are unavailable by phone after work. I'm not allowed to make personal calls during the day. NOBODY told me my account was on the East Coast! Their email and mail solicitations DID not state 3 forms of ID required, nor did it state that I had to work with them in the Eastern time zone, 5 hours earlier than my time zone.

$30,000 plus interest, a lot of money being held. I want my money back ASAP!

Although I had paid the cards down and nearly off I ran into a rough spot for a few months. During this time I got to the point where I couldnt keep up with their finance charges and penalties. The balance grew past the point of the credit limit so they began adding over draft fees for the money that Capitol One added to the card which pushed it over the limit.

In 2006 my account was turned over to collection. I had several people from over seas calling me as often as 3 times a day 3 or more times a week by 3 different people. At this time, I didnt know what to do. I thought of suicide. Out of desperation, I made arrangements to pay $300 May of 2006 and then $250 in June of 2006 on the card with the $300 limit. I had cleared the debt for one card. All this on a card that I might have owed $50 on with the rest being finances charges, past due fees, and over draft fees (because of their charges causing over the limit drafts being added). One month they even charged me an annual fee for a card that I had not used in two years. The added fees for that month was $97.00 which included $29.00 over draft and $29.00 late fees.

Again, I had not used the card since 2005 so that I could just pay them off and be done with it. I couldn't catch up, and didnt know what to do. I stopped answering the phone and stopped paying. Several collection agencies have called me on this account and have been rude, condescending, and threatening along with harassing me. I accidently gave them my home address which I now realize was a huge mistake. The Jerold Kaplan Law Office in Phoenix has sent me a summons for court. I am supposed to go up to the courthouse and pay court costs or something like that. They gave me 20 days to do this.

During an harassing call, I offered to pay $25.00 and month and Trenda Darnell of Jerold Kaplan's Law office said that was unacceptable. They wanted $169.00 for 10 months ($1690.00). I am barely making expenses even today but am trying very hard. I am a 60 year old woman living alone. I was hoping that the Fair Debt Collection Practice Act would protect me but I dont know where to begin to the process as I have until June 30th to pay $979.00 to this law office which the Flagstaff, AZ legal aid office set up.

I realize there are many people like me out there including my 86 year old aunt who once told me she actually charged up to $10,000 on her Capitol One card and she now owes $25,000. This extortion in some form it seems to me and ANYONES help would sure be gratefully accepted. Thank you for your assistance and time in advance.

It has affected me physically just worry about this - causing headaches, muscle aches and FEAR! I work very hard on being balanced which does take time leaving in an unproductive status.

On top on that I reported some charges on my card that were not mine. I used the web site to report it but nothing has happened. Then I emailed to complain about the over limit charges and they emailed me back with a number to call. I called the number, voiced my complaints, like they cared and told them about the unaruthorized charges, they said you need to talk to this department I will transfer and of course I got disconnected.

Can't cancel or use my card.

Goes without saying once the hold drops off of the original check deposit I'll be closing the account. Just sharing my experience so others are aware. On a second note its my understanding that by making a check deposit into Capital One and with them placing a 10 hold which I understand it is still a Reg. CC requirement they mail me a hold notice with the hold details which I never received.

3 days interest on ACH transfered funds

Capital One is disgusting. No one can help me, no one knows anything. My credit in the meantime dropped into the 500's. I've never had a late payment and would have paid any difference had I known. I'm still clueless and I'm drafting a letter to the CEO. Terrible company!

I have a bruise on my arms from where he grabbed me.

CAN NOT AFFORD TO PAY THIS HIGH RATE HAVE A HIGH BALANCE

I don't know yet.. better not be any!

The times I cannot pay off my monthly balance forces me to pay at an exorbitant interest rate. The length of time this penalty has been in effect is disproportionate to the minor infraction of what happened so long, long ago. I'm sure CapitalOne has benefited millions of dollars from this foot-dragging.

Min. payment went up and they need to recalculate interest.

Within a few days after disputing their claim I began to receive a least three phone calls from their collections a day, 7 days a week for the next several months, even though I spoke with their collection representatives and managers on many occasions, explaining to them that I was not responsible for the deliquency of my account but, to no avail. I also wrote them on several occasions explaining the situation and all they did was refer me to their collections dept. phone number whom I had already spoken with several dozen times.

In February '08 I wrote to them and demanded them to stop calling me and they finally stopped a couple weeks later. They then turned my account over to NCO collections and they began calling me and sending me threatening letters until I mailed them a certified letter indicating I was disputing Capital One's claims at which time the account was returned to Capital One. From July 2007. until February 2008, credit card account had increased from $474.00 to $894.43.

Due to the erroneous and negative information reported to the credit bureaus my FICO score has dropped over 100 points and I have been denied credit from other creditors on several occasions. I used their credit card for two years and never was late in making payments. Captial One also financed an automobile for me, was never late in making payments and ultimately paid the auto loan off in good standing. I have offered on many occasions to pay them the initial balance of $474.00 but have refused to pay the additional interest charges and have asked them to remove the negative information from my credit files, which at this time, they have refused to do.

Evidently, although I am now questioning if this even happened, someone got our account number and started charging things. When I called to tell them these were not my charges and that I closed the account, they told me that the account has to be closed for 60 days, with no charges on it for 60 days, in order for it to actually be closed. What?

After many, many screaming matches on the phone and many letters, I finally had to write to the District Attorney's office to get resolution. They finally closed my account, but I now have a derogatory comment on my credit reports that say I was 90 days late. I have written letters to all reporting agencies, but the report just says paid on time, account closed. They never took off the 90 days late remark. If there is ever a class-action suit, I would join in heartbeat.

I filed a fraud report with capital one and Tina W took off the charges. I filed a police report as requested from capital one and faxed it to them.Tina W put the charges back on my card because she said there was no evidence of fraud.She said because the police were not going to persue it she was going to hold me liable. She would not listen to me nor did she believe me when I said my house had been broken into even though it was vertified by the police.And just because I mentioned my son's name she automatically made him the guilty party and I would pay for it.

I feel my civil rights are being violated, I'm being discrimated against and my consumer rights are being denied. The guarantee they advertise is that you will not pay any fraud related charges and they are all fraud related. My son denies doing the charges and I gave the police his name to talk to. I can not control what the police investigates and what they do.Sherry told me to go to the court house and file charges myself against my son even though we don't know who did it.

Karen, whose employee number is wnd 294 so she said, stated she was my case manager and she had no supervisor and that she was the end of the line for me. My requests to talk to legitimate supervisor were denied. Karen couldn't have been a supervisor because she was not a professional. She didn't talk like one or act like one. No where could I find in Capital Ones web site or paperwork did it require that a police report be filed much less persued, In order for these charges to be taken off. But it does say if they are fraud and they are, they will be taken off I do not have to pay.This I believe is identity thief and Fraud.

Economic damage is to the trees Capital One is Killing due to sending us all this wasted paper.

My credit was ruined my blood press is high.

The next person identified themselves as being with the Fraud Department. I repeated my problem and he puts me on hold to look into it. When he returns he tells me that the account is okay to use now. That's it! I ask him why it was refused in the first place and he tells me that the computer flagged the charge as possibly fraudulent but that he had cleared the account. I asked him why the charge was considered fraudulent. I was trying to figure out if there was a pattern they were picking up on, anything that I could identify to prevent this from happening in the future. What good is it to have a card in my wallet that you have no way of knowing when/if it will be declined. He told me couldn't tell me that so I asked for a supervisor. He puts me on hold again for 5 or 10 minutes and then another person comes on the phone. She starts off again with asking for my credit card number.

Have these people never heard of technology? Why do I have to keep repeating the information I have already provided. Anyway, she was very rude and not in the least bit helpful. In frustration, I thanked for her time and disconnected the call. About an hour later I tried again. The representative I reached initially asked how she could help me. I asked her to transfer me to a supervisor. She asked me to allow her to try to help me first. I responded that I appreciated her offer but had already called once and would rather just be transferred. She was very nice and did as I asked.

The next person, supposedly a aupservisor, was very nice as well. Both of these individuals were much nicer than the first ones. She listened to my problem, apologized for the inconvenience and then asked me to hold while she looked into my account. When she returned she explained that because charge was higher than what I had charged over the last 6 months it was flagged as possibly fraud. Keep in mind that my dogs go to the groomer and the vet every 8 weeks so there were repeated charges to this merchant that should have prevented a fraud flag. I will give her credit for allowing me to voice my frustration without cutting me off. However, she could not tell me that this wouldn't happen again.

It seems to me that if there is a charge that the computer flags as potentially fraud, there is a better way to handle it than simply declining the charge. Couldn't they just ask the merchant to verify identification or accept the charge then call me for verification? It's not like they couldn't refuse to pay the merchant if they didn't valid my ID. I was most frustrated that the charge was declined outright as if I didn't pay my bills and didn't have any available credit. Since she could not tell me that this wouldn't happen again it doesn't make any sense to carry this card. What good is a card that I can't really use. I asked her to close the account.

So far no long term repercussions from carrying a Capital One card but after reading the other posts on this site, I am definitely concerned that the story is still not over. I will diligently check my statements in hopes that the account is closed and no additional charges are incurred. The other thing I was amazed by (and also saw in other posts) was that an attempt to close the account doesn't freeze it. She read my a statement that said that if there was an attempted charge to the account (i.e. recurring payments not redirected) then they would automatically re-open the account and charge me a membership fee. I have gone back 6 months worth of statements to make sure I have identified any of these recurring payments and hopefully have caught them all but what a nightmare this could turn out to be.

I called Chase Bank from CapitalOne and explained this to them and they said they would verify it over the phone, but CapitalOne said "No", it has to be on letterhead. At this point, I am in utter disbelief, but I am just trying to do whatever I can to get the money that I desperately needed in my account. I go to Chase Bank and they said they could not do this letter for me that is not how banking works and that all CapitalOne had to do was call to get the funds verified. I left in tears because no one would help me.

The next day, which was Saturday, I spent an hour on the phone with different people trying to get help, but only getting different stories from each person I talked to and empty promises. I called again on May 27, and was told that once the hold was put on the check there was nothing they could do. Bottom line, it is May 29, 2008 and I still do not have the funds and there is basically nothing I can do. I never imagined when I opened a CapitalOne account that they would do something like this to me.

This has caused tremendouse hardship. I have had 6.20 in my account since before I deposited the check from Washington Mutual. I have not paid bills that are due because I don't when the money I deposited will be available to me. I left CapitalOne in tears and no one cared. I have had to scrape money here and there for gas and food.

We have been trying since July to close this account, I was in the office when Richard called to close the account almost a year ago. Instead when you ask for a supervisor they discounted the call and you start all over. A total of 6 calls were made by me and I my call was dropped a total of 5 times. Transfered a total of 8 times during the calling process and each time I am not speaking to the correct department, and no one can help as I am not Richard. Charged yearly fee, interest and late fees and all they will do is take money but will not clsoe account.

I paid the $50.xx immediately (payment in full), and then asked my account be cancelled. I was on the phone for an hour and a half bounced from person to person. Finally I had to go to work and hung up. When I got the chance to call again I was again on the phone for over two hours, bounced around with each person telling me I had to talk to another department. Finally, I told them that I had destroyed the card and they needed to cancel it immediately or I would report them.

It is ridiculous that I had to go through that. As a customer, I have the right to cancel the card at any time. I took responsibility for my oversight and paid the balance. However, they didn't want to take responsibility of my request. I will never deal with them again and I will warn others not to either.

I received a call from Capitol one on 10-31-07 asking for a min payment of $231 at which time I told them I didn't have a capitol one acct and didn't want one.They told me the acct was opened on 8-07-07 and wanted to know who a vicki was.They said she opened this acct in my name and had the bills sent to her home address.Now she told the police that since I could only pay her $8 an hour I gave her this credit card to use.

Now charges are over $5400 with interest and late fees and they call me 5 times a day 7 days a week, even on holidays.I've asked them at least 12 times to put me in contact with a Spencer who is supposed to be handling my case but they always say we cant guarantee you'll get him and when they transfer me they disconect me.They have givin me NO HELP in persuing charges and have told the police they denied my claim but have never even asked me what happened.This is a poor company to deal with.Once I told them I wanted to press charges they just keep calling me for the money.How do you get these people off your back.

I have high blood pressure and since this occured I have had to close my business and have not been able to get my pressure under control.The stress with them calling 5 times a day is starting to mount up.I've had to come back to Indiana from Florida to see if my old doctor here can help get my BP back down.

3 weeks later I went online to see if there was any updated status on my account and noticed there was another $500 cash withdrawal taken out when my account was supposedly frozen, I immediately called a representative to find out what was going on and again they transferred me and then the phone went out. I know they are intentionally making this the most painful process possible so that i will give up, pay the balance so that i can move on with my life.

On April bill of $6.04, I deliberately forgot it. And this month the new balance went up $35.89 with an inclusion of $11.91 purchases that i did not actually make plus 25.15% APR plus a finance charge of $0.50 for a total of $35.89.

After 11 days, I have yet to receive a statement to review fraudulent charges.

This second time around, I have tried to contact Capital One only to be timed out on the website, hung up on the phone and have gotten no where. They will not remove the charge and will not let me close my account. They transferred me to credit inform which is an affiliate of capital one and my account with them is supposed to be closed but the charge is still on my statement. They are running a huge scam together and something needs to be done about this!

I am not paying this bill so I'm assuming late fees and charges will accrue making my credit report and score look bad.

I have attached the following letter from Capital One : Your concerns filed with the Better Business Bureau have been forwarded to me for response. You express concerns regarding the validity and balance of the debt on this account. We received an application from you via the Internet, and opened your account on May 9, 2003. The enclosed statements from May 2003 to February 2005 show how your balance progressed. Per the terms of your account, when we did not receive minimum payments by the due date, a past due fee of $29.00 was assessed. In addition, overlimit fees of $29.00 were assessed to the account when the balance exceeded the credit limit. We received payments to the account from you, drawn on your checking account, and have enclosed a copy on one for your review. Due to delinquency, the account charged off as an unpaid debt on February 28, 2005, with a balance of $626.37. Once an account charges off, statements are no longer sent and fees are no longer billed; however, interest is applied to your outstanding balance daily. The account is reporting to your credit file as charged off, with a R9 rating. The current balance on the account is $1,136.22, which may not be the final amount owed.

With 3 little children. One time I was stranded in the middle of the night...the purchase via capitalone visa card did not go thru. I had no money for a hotel nor tire change. We spent the night in the car cold and damp- without bathrooms, food, a bed, etc

After talking to several other people I was told i would have the problem fixed. I was also told that the collection dept would no longer contact me. The collection dept called me a total of three times while on the phone with capital one. Three to four days after this happened the collections dept started contacting me again. I have since been un able to get a hold of anyone in capital one who can assist me with any issue I have had. Every time I contact the company the phone calls last several hours, most of which are spent on hold, and I am just redirected and never helped.

I have wasted several hours of my time, my credit score was hurt and cost money that i did not owe to try and resolve the situation.

I talked to Britney (Capital One Rep on the East Coast of the USA. She told me that the system was down and I had to call in an hour and talk to the Fraud Department. I asked to be connected. I was connected to Kris in Manila, Phillipines. She told me that I had to call 1-800... for additonal information. She conneted me to this Department. Nest contact was Marcia- not in the USA. She told me I had to call back between the hours of 9 am to 8 pm EDT to talk to the Fraud Department. I am to call 1-800.... This is the typical SCAM facing our Lending Industry. The right hand does not know what the left hand is doing. Capital One has NOT sent me any information via mail to let me know what is going on with my account if I have one!

I applied for a credit card to raise my FICO score. I have closed a Nation Bank credit card that I had for 15 years and a Lender told me that was a mistake, so I am trying to open another one to raise my FICO score. Capital One told me I was approved! Your investigation will be welcome....

This is an inconveniance since I don't always have time to go to the teller's window in order to withdraw more than the $200 they are permitting me to withdraw.

My credit report has been damaged due to this erronoeous closure. I am in the process of purchasing a hom enad this has affected everything. I want my acctount reopened and correctd with the credit reporting bureaus.

My credit score was around 700 and I was working very hard to raise it higher. Now I am in the poor credit risk level and if I can't get this removed, I'll NEVER be able to get any kind of credit AT ALL. It's extremely humiliating.

I a'm disable and the momey they taking from me is stilling from my food. I'am only living on $465.00 a month. Please help me or tell what I can do.

So when I received my end of year SUMMARY from Capital One in January/February 2008, I noticed that there were three charges made to my credit card that I know nothing about. One was on May 1, 2007 for the amount of $21.40, one was on July 4, 2007 for the amount of $123.90, and one was on August 6, 2007 for the amount of $123.90, for a total amount of $269.20. I immediately made copies of the charges and sent a letter explaining the suspicious charges. On Friday, April 11, 2007 I was transferred and put on hold numerous times. More often than not you could not understand the people you are talking to.

I spoke with Florine, Charine (ID XNZJ966), Elizabeth, John, and finally Rudy (ID FQK130) who told me that a credit would be issued, my credit card would be cancelled, and a new one sent out. On Saturday April 12, I called Capital One again, and discovered what Rudy told me was a lie. My credit card was not cancelled and the charges were not removed. Again, I was transferred numerous times, to Sergio (WWE444), Alan (OPG134) and Mohammed (LAE734). I have reason to believe the names and ID numbers are all fictitious b-c you could never track anyone down again once youve hung up from them.

Since nobody would help me and since this was the worst customer experience I have ever had, I told the last person I spoke with to cancel my credit card once and for all. But I am not done. I still demand credit for $269.20 for charges I did not make, and I want a letter of apology for the way I was treated from every person that transferred me and threw me back in Q. I intend on exposing Capital One and telling my story to as many people as possible and to shed light on the corrupt behavior of Capital One in an effort that it lessens the number of victims in the future.

A letter to the Comptroller of the Currency Administrator of National Banks at 1301 McKinney St Suite 3450 Houston, Texas 77010 quickly helped resolve my issue. I was issued a credit from Capital One.

It seems like I am being set up to fail. If I pay the minimum required, I get no where and it all happens again the next month. If they ask for a certain amount, shouldn't it be a figure that would avoid the same problem. It is like a trick whereby they can continue to charge you an over the limt fee month after month without informing you of how much to pay to stop the madness. How can I get out of this trap? I am now $130 over my limit; all because of the over the limit fees ($39) and late fees ($39)! $78 extra dollars a month and I never actually charged over the limit! Have I entered into the world of loan sharks?

I am a College student who has limited funds. I carefully budget my money in order to pay all my bills. This continual overage fee has placed me in an unrelenting situation. I no longer can make the minimum payment of $229.00 and the amount just keeps getting bigger. Even if I make the payment requested, next month will be the same thing because the amount will just bring me to where they can still charge the overage fee of $39.00 once they add on the interest charges. It is outrageous!! The phone calls from the bank are relentless. 4 and 5 times a day! I will be graduating soon and will need to get an apartment, etc. I am afraid of what this is doing to my credit. Help, please!

My charge privileges were taken away from me in 2006. When my cash flow situation improved, I paid the account in full, and asked that the account be closed. I was never informed that my travel miles would be affected. While still under the assumption that my travel miles were available for use, I received a Member fee? bill for $39.00 in September of 2007. Assuming that paying this membership fee would protect my 73,123 Travel Awards Miles, I paid the bill on October 30, 2007. After all, what else could the membership bill possibly be for?

More than a year had passed since my charge privileges were taken away, and my account had been closed for more than six months. In January 2008, I received notice that I must use my miles before February 15th or new rules would apply. Since my family is planning a reunion in honor of my birthday, I went on-line to verify my miles. Per the website instructions, I called customer service to make travel reservations. I was told that my reward miles were no longer valid. I was bewildered! I spoke with numerous representatives and was advised to write a letter describing my complaint.

I did so and sent the letter to the Capitol One Customer Relations Department. Several weeks later, I received notice that my travel miles were reinstated. I looked on the website and they were listed. Several days ago I attempted to use my travel miles while planning a trip in July. After speaking with several members of the customer service (sic) department, I was told that having miles listed on the website is not the same as having miles available for use! What gibberish!

my husband and I have been through a bankrupcy and he is just getting his credit score up and her comes along capital one on his credit score. This should not be on his credit score at all. I never had his name on my application when I applied in the beginning. He is thinking about sueing them for such a thing. He is outraged for this when it has taken him so long to build his credit up.

I will pay the charge but I am cancelling the card and recomending all my relatives and friends do the same.

BUT to my surprise when I called customer service to request balance transfer she said it cannot be done now as the application process is over. I need to wait until I receive my card to request for balance transfer which would take another 10 business days atleast. All I could say is that they (Application Manager) would do anything - give false information to consumers just to pull them into their business and make some (commission) money without caring consumer's requirement and satisfaction. I guess this why Capitol One is going out of business.

Capitol One wants to charge a late fee and this can ruin my good credit.