bad credit cards


	"K" writes: Complaint about Capital One Credit Card My credit card payment was due on July 15th. I made 3 payments. On June 28th, July 10th and July 14th (registered on July 15th) and that would have paid the statement amount in full. The website does not give any confirmation number for the payment, and it specifies in multiple ways that if you don't see your payment, it's because it takes a couple of days. I was surprised to see today (July 17th) that the July 14th payment has been posted but the July 7th payment is not posted. With no confirmation number, the company essentially said that I was a liar. They charged me interest on all the charges made on that account and told me that since I did not make the full payment, I will be charged interest on every single amount that I charge on that account in this following month as well. Don't be a fool! I was one but now I know better! Capital One is founded on fraud.

	Ronnie Desmournes, Fort Lauderdale, FL writes: EmailAddress: ronraygun@lycos.net Complaint: Against Capital One It seems Capital One also does not protect it's customer's accounts from Internet Fraud even though their advertising clearly states they offer 100% Internet Fraud Protection. So the trick is this - they collude with the merchant to confuse the customer - even if you refuse to be confused. I was being charged $7.50 a month on a Capital One Card - I called the merchant "Web Services" and hey claimed I did not have an account with them. They said they would check and credit my card if there had been an error. Charges continued, but they came in under different names, "Web Upgrade", "Web Technical" and finally a URL that I had owned in the past and never used. So I called Capital One and disputed the charges. I got a new car about ten days later and when I called to activate the new card I was told the merchant had agreed the charges were in error. The get a calla few days later from some rude girl who says that I can only get my money back for a few months because of some time limit! it. I told her that's not 100% fraud protection and I was quite pissed. She got back to me few days later after I complained to her superiors and she got the merchant on the phone with me - and at that point I am told that I had to have ordered something because they didn't just have my credit card number, they had my address too. I point out to the dumb customer service girl that anyone who has any of the dozens of URL's I own can get all that information from a Who is lookup on the Internet - which I then walked her through a few of my sites and even Capital One's own site - it gave all the contact info, etc. So much for that excuse. Then the merchant claimed that if I bought a URL that I had to buy web space to go with it - and I told him he was full of it, that most registrars provide free URL parking - and that I have a dedicated server for my web sites so why would I hire his rinky dink company and why would I put it on my personal card when I have business cards for these! e things? Duh! But guess what, the girl at Capitol One was so stupid that despite everything I showed her and hearing me successfully challenge the merchant, she still insisted if they had my telephone and address, I had to have authorized the charges. I pointed out all the different merchant names they used, none of which was the merchant's real name? I pointed out how every other re-occurring charge I have on my business cards gives me a notification at least every 90 days via email, or each time they ding the card at all! I couldn't even figure out who this merchant was when I called them. No matter, this chick was obviously told to eliminate the complaint and she simply refused to see it any way but hers. So ATT is not the only one with fraudulent advertising, Capital One is right up there with them. You're only protected from the fraud if Capitol One says it's a fraud. If it's a fraud and Capitol One says it's a mistake, it's still fraud. Only your not getting kissed first.

	Thank you for posting this!! I get offers from Capital One all the time in the mail. I can tell you I will never own a Capital One card. These Credit Card Companies hold all the cards and the deck is stacked against you. Something should be done about this. We should have more rights or protection against these money hungry pirates.

	Mercedes from Tampa, FL. writes: Complaint: Capital One - I do admit that we were over the limit on our credit card. I called to pay the card off and was ready to pay the amount that was provided in a letter I had just received today. When I called, I was told the balance was over $50 higher. When I asked, no one, not the supervisor, nor the assistant to the President, could give me an answer. Is this fraudulent accounting? I think so. I have cancelled my account and I urge everyone to cancel their cards and tell others about these types of accounting practices.

	JB from New Jersey writes: EmailAddress: JBin732@aol.com Complaint: Please Help !!!! My 18 year old son has a Capital One credit card with a $100.00 credit limit. With a balance near the limit (90 something) he called Capital One and asked for the card to be canceled. He then mailed a minimim due payment of $10. The request to cancel the account was on September 5, 2003. On Nov 12, 2003 a company that my son did business with a year earlier, charged what is presumed to be an annual fee to the account which pushed his debt to $102.00 ( 2 dollars over the limit ) The next statement showed the charge plus late fees and over limit fees totaling $170.25. How does a credit card company allow charges to your account when they clearly have it on record that a cancel request was made. How do they allow it to get so out of control that the total due is almost double the amount at the time of the cancel request. The vendor that was allowed to make the charge is Stamps.com which has been impossible to reach. There is no option to make a complaint or cancel subscription on their website, they are virtually impossible to reach by phone, they put me on hold for 40 minutes before I had to hang up and get on with my life. There is some fault on my (my son's) part but this is clearly another example of big business out of control, doing as they please,bullying and intimidating people. They will not bully or intimidate me, I will fight this until it is resolved to my satisfaction and you can be sure that I will never do business with Capital One or Stamps.com ever again and I will spread the word to anyone that will listen. If you are aware of similar situations and know any way to resolve this matter, any and all (serious)advice would be appreciated.

	Thomas H. writes: EmailAddress: TAH976@yahoo.com Complaint: Capitol One ruined my credit rating: I feel sorry for all of us who have been hurt by Capitol One. For me, I was a victim when one day I wanted to cancel my card. Balance $400. No problem because I had the money, however, I was a week late in mailing the check. I had forgotten. No big deal only a 7 day delay in mailing the full amount. I called Capitol 1 and relayed my accident. I apologized, and reassured them that the full amount was going in the mail today. I asked them to verify the balance (because I knew after 7 days they probably would add a dollar or two and I wanted to pay the exact amount.) How wrong I was: I was told by customer service rep. named Greg, "Actually sir, your balance is $600". ONLY 7 DAYS HAD PAST! I replied to Greg that I would mail the original $400 check with $20 added for a week inconvience PERIOD. Greg stated that they will not take a check for less than the whole amount of $600. I asked Greg to verify to me that just 7 days ago my balance was only $400. He said "Yes, but that's not the balance now". This back and forth continued.......For two months I argued with them. After two months my balance was then bumped to $1,500! As of today, the balance is over $2,900. Can someone tell me how a company can legally get away with stealing from we consumers like this? My credit report is ruined for years and years to come. How is our government allowing them to do this?! Capitol One - I still have your $400. You purposefully would not accept the full payment. You purposefully were treating me this way in order to get more money out of me. You wrongfully drug out an argument in order to tack on as much fees as possible hoping to swindle me out of thousands more dollars than what I owed. You are a company of thieves.

	Ed Peciulis EmailAddress: eduardo.peciulis@utoronto.ca Complaint: The scam is this: for the past several months I've noticed a finance charge of around $0.91 on my monthly statement. Every month, I pay my new balance on the day that it's due, but I've noticed that this finance charge never goes away. My expectation is that the new balance represents the total of what I owe to Capital One and that once I pay that, the balance becomes zero and I owe them nothing. However, by paying the total balance off, it turns out that I am not paying off everything that I owe: there is a cash advance of around $53 from last summer that is generating the monthly finance charge. This $53 is not included in the balance, so that when I pay my new balance every month, I am not paying off the $53 and it keeps generating a finance charge of around $0.91. This is extremely disturbing because the only way for me to pay off this outstanding cash advance and stop the $0.91 monthly finance charge is not to pay the new balance (as one would expect, since the definition of balance is payments minus liabilities), but to overpay the new balance by the outstanding amount. Isn't it illegal (or at the very least, extremely unethical) to state a balance that does not include the full amount owing? Isn't a balance loosely defined as: "pay this amount and you don't owe us anything"? In this case, the loose definition is "pay this amount, but there is still a hidden amount that you owe that will generate finance charges, unless you overpay to eliminate this hidden amount". I'm deeply disturbed by this. Not that the money is significant. It's just that if I pay the amount of the new balance (this is the amount indicated on the payment portion of the invoice) in full every month, like a good customer, I will still never know about this remnant of a cash advance from last year.

	June Email address: mike9148@aol.com Complaint: Capital One has made a habit of holding payments to ensure they are "past due" so they can charge an additional fee. Three months in a row, I paid well in advance of the due date, only to see on my next statement that they were ALL applied to the account one day past due. I finally got wise, and sent payments in by certified mail, with a return receipt. Sure enough, they were receiving them up to a week early, but holding them until the were past due. I called, and they cheerfully took the late charge off my account...but not before raising the interest rate, due to delinquent payment history. I cancelled my card, and paid off the balance, only to see a "membership fee" of $40 on the next card. I called and told them I would not pay this amount, as I had cancelled my card, and was assured it would be taken off my next statement. The following month, I owed over $70: the original $40, plus another late charge. It took me 4 months and threats of a lawsuit to get r! id of these charges.

	Robb EmailAddress: RobbGrass@insightbb.com Complaint: I had a credit card with Capital One for some time. When I was billed an annual fee recently, I immediately paid the account in full and closed the account since I have cards that do not charge an annual fee. Despite 4 requests in writing and numerous e-mails, this fee hasn't been credited back to the closed account. I was told that it would be, but now it is showing past due and I am being charged a huge late fee. Shame on this company for taking advantage of consumers in this way.

	Hello, I am unsure who I should contact with my complaint, so I am writing you folks. I have a capital one credit card. I went over my limit by $8. Capital One has a phone system calling me every half hour telling me to contact a specific number. The phone system calls from an "Out of Area" phone number and makes no mention of Capital One. I paid the over due balance as soon as I realized that this machine was going to call me at home every half hour (1 day after listening to the message). I paid the over due amount through their online system (05/03/04). The Capital One phone system resumed calling me every half hour today (5/4/04). I decided to call the number listed and informed the person on the phone that I would like to not be harrassed by their phone system and to take me off their "list. The CSR told me that I would be taken off the list. Half an hour later the phone rings and it is the phone system again. This time I call Capital One and ask to speak to someone who can stop the phone system from calling. The person say's that they see that I have made a payment, but the phone system would continue to call me until it reset at midnight. I told the CSR that it was unacceptable that a phone system would harass me PERIOD and nevermind that I already have paid the over due amount and spoken with a CSR to stop the phone system from calling. The operator informed me that if I made a payment right now, she could get the system to stop trying to contact me. I agree, I certainly was angry, but I can't have my phone ringing every half hour for no reason. So, I basically paid my bill twice, just to get their automated system to leave me alone. Well, I am still receiving calls from the automated phone system. I can't believe this type of practice is legal. Are there any steps I can take?: Thanks, Jason Jason Donath The Donath Group, Inc. Waltham, MA 02452 Tel: 781-647-4229 x103 Fax: 781-647-4557 www.donath.com

	DENISE DEBUS 3000 N 89TH STREET KANSAS CITY, KS 66109 913-334-7843 EmailAddress: DEBUS@SBCGLOBAL.NET Complaint: Capital One I have 3 Capital One credit cards, one of them was with K-Mart and had a $600.00 credit limit. I was working on repairing my credit and all three cards had very low balances. I had stopped using the K-Mart card and was working to pay the balance down by sending a few bucks extra each month. I had it setup on online bill payment and sent it the same time each month. Everything was fine until I stopped using the card, seems the payment was never posted in a reasonable manner after that. Not paying close enough attention to a couple of the statements, before I new it I had over $200.00 that was due ASAP because of late fees and over limit. The annual fee slipped in there also which put me over the limit. I called, it is not easy getting in, finally talked to someone and they said they would help me out. I also requested on the phone and in writing a copy of the last two statements, I never got statements or help. Of course in record time I was sent to a collection age! ncy. First one I tried to talk to, but was pretty upset with how my phone conversations had been going so I requested documentation of my debt in detail, along with the collection companies information. I got a demand letter for over $1,500.00, yes almost 3X my credit limit. I again requested the documentation, sent to another collection agency, went through the same thing and yes got sent to the 3rd collection agency, by now it was over $1700.00! Still wanted a copy of my statement, by this time I had made that request at least 8 times. This time the collection agency turned me over to an attorney's office. I again asked for the statement (now I was on a mission) in Jan 04. In Feb 04 I emailed them and asked about the statements, the email stated "they have been ordered" and that was it. Never received never got another phone call or statement. On Monday May 31st, 2004 I got a summons to appear in court on June 21st, 2004. I tried to make arrangements with the Attorney that Capital One attacked me with, now it is over $2000.00 and it will go up 25.9 each month. This has not even been a year! I even made payments after my house was partially destroyed in the May 4, 2003 tornado! I have had a very bad year and I need a break. I need the balance to stop increasing an allow me a payment schedule to pay it off.

	Rick Fernandez Email Address: rick@fseriespaintball.com Complaint: I received a ridiculous rate increase in all of my Capitol One Credit Cards without cause. I sent in full payment to close all of my 3 accounts and the payment was based on the balance due given to me by their customer service person. Within the three days of my check arriving to close the account, a auto pay from a internet service arrived to the credit card company changing my new balance by $19.00. Needles to say the Credit Card company accepted the charge and processed it although I requested cancellation. Two months went by and I received a call that I had an outstanding payment of $194.00 and wanted to know when I was going to pay it. Let me start by stating that I never have been late in any of my credit cards. It was obvious that I believed that my account was officially closed and as I am always bombarded with junk mail from Capitol One I never paid any attention to their mail. They claimed that they had sent me a monthly statement which I don't deny., but once more I was under the impression that when I asked for the account to be closed that such request was processed. Since then, they have maintained the account open and charged me $90.00 in late fees and $69.00 for a renewal yearly fee. I was and still am pissed off about their dealings. I hate Capitol One and will never do business with them again. Any recourse advice will be appreciated.

	Christina Apple Austin, Texas Complaint: I CANNOT STAND CAPITAL ONE CREDIT CARD - SEATTLE WA. They are not CONSUMER FRIENDLY, they over-charge their customers with BOGUS late fee's and then because of the fee's you will reach your limit then they charge you OVER-THE-LIMIT FEE'S! GOD HELP YOU if you ever have to enter DEBT MANAGEMENT - THEY WILL SCREW YOU TO THE WALL. This will be the only credit card company that will NOT work with you or your debt management company. GOOD LUCK if you have the misfortune of having one of their cards - pay it off and CLOSE IT. ONE ANGRY CONSUMER IN TEXAS

	Jessie Stafford 10 Savoy Ct Lansing, MI 48933 Phone: 517-827-0778 EmailAddress: jessie_watts@hotmail.com Complaint: I had a Capital One account that was open but unused. I did not receive statements every month because there was no activity (at least I figure that is why.) The first statement I receive in months shows balance overdue. I call to find out what's up--it's the annual fee plus late fee. I say cancel the account. The rep says how about if we remove the late fee, cut the fee in half and you keep the account open. I say OK I did the same thing last year. I wait for a corrected statement and instead I get the next monthly notice that shows that the first late fee was removed, the annual fee cut in half, but now there's another late fee added. I call and say, this is too much hassle for a card I don't even use; close the account. The rep says I will close the account and you will not be liable for any fees. I apply for a draft overprotection card from my mortgage bank and am denied; one reason is delinquent accounts. I order my credit report and lo and behold Cappital One has reported that I am 30 days or more delinquent on my account--the one they said they would close and recind all fees. So I call the Capital One 800 number to find out what's up. I get nothing but a recording that says your account has zero balance and after one cycle you will receive a notice of official closure. I want to talk to a rep to find out why I got another statement that says I am overdue, but the recording says that's all they know about my account until the next day at 8 AM Eastern time. I call the next day several times throughout the day and get nothing but the recording saying the same thing. So now they have screwed up my credit and won't even allow me to talk to a rep. I've sent them a letter, with a copy to the credit reporting agency demanding that they correct my credit record. I will also be filing a complaint with appropriate state and federal agencies (if there are any).

	Beverly Rivers P.O. Box 1194 Rancho Cordova Phone: 916.370.3461 EmailAddress: beverlyrivers@juno.com Complaint: It is important that consumers know the unethical business policies of Capitol One Credit Card. I got a secured credit card with Capitol one back in 1996. The purpose of this card was to rebuild my credit by depositing $500 to a saving account that they held as security for my redit card account. Over the years the savings balance grew to over $650 with accrued interest. I have used the card as a revolving credit for all these years, paying all fees charged to me even though some of them were exhorbitant. In October of 2003 I spoke to a customer service rep at Capitol One letting them know that I needed to cancel my card because my job was coming to and end. At that time the balance on my account was approx $750 and the savings approx $650. I asked the rep to cancel my card and apply the savings to my card and I would pay the remaining balance to close my account. Not one but three different reps including one supervisor said that I would have to pay the card balanc! e in full first, and they would send my savings balance. I explained to no avail that the savings account IS my money on account to insure that I keep my account in good standing. It is for this very reason I got a secured card... to avoid my credit suferring because of things outside my control. I called monthly and noone would honor my request. Meanwhile the card accrued interest charges causing it to go well over the limit, over the limit charges, late fees, and they even had the audacity to charge an annual card member fee. The card balance swelled to over $1200. In January of 2004, Capitol One sent me a statement showing that they applied my savings balance to the $1200 balance they racked up and the balance due after exhuasting my savings account is now over $600 dollars. I refused to pay. Collectors have been calling since November who refused to see the gross injustice in this practice. At this point lawyers are calling me treatening to sue for this balance. I explained to one caller that I will take a stand on this. She asked me "what makes you think you can win agains a gib company like Capitol one? They have high powered lawyers you know and this will wreck your credit." I explained to her, by doing this, you have already wrecked my credit and took my money to boot! I would rather take it to court. At the very least, I will have my say and make people aware of their practices. Until the consumer stands up, we will continue to be ripped off and taken advantage of. Thank you for letting me vent. Sincerely, Beverly Rivers CC: Capitol One Better Business Bureau Collection Vulters & Lawyers annoying via phone and mail

	Kimberly Brown EmailAddress: kimbrown2003@aol.com Complaint: Captial One is out to Screw you! They send you a pre-approved rate of 2.99% on balance transfers and then transfer your balances at 9.99% with out informing you that they have approved your credit at this incredibly high rate. They do not give you the option of transfering the balance or not. My balances on previous cards were half as much as their approved rate. I am now required to pay $100 dollars more a month on the minimum at an additional 7% interest. If this isn't fraudulent I don't no what is. They are ripping off the consumer. Do not do business with Capttial One!

	Shannon Daly 48 n College way cedar city, ut 84720 Phone: 4802058148 EmailAddress: student_x_az@yahoo.com Complaint: I had a capitol one card for 3 years. I spoke only good things about it for a long time UNTIL...I noticed that I was being charged a monthly fee! WHAT? I signed up for the card in the first place because it was totally free. So I called and the person I talked to was so stupid. She told me that it was totally legal for them to change anything on my account whenever they wanted. And that the reason why I was paying this fee now is because I was late on my payments. OH I had only been late 3 times in the 3 freakin years I'd been with the company. So I asked her why I had not been informed of the change (which was made 4months earlier). And she said that it was noted at the bottom of my statement that month. I told her I was not impressed by her intelect because I had been recieving only online statements for the last year, and it was not on any of those. "Then you would have noticed the charge on your itemized statement" she siad. THE NERVE! Oh I'm sorry I didn't know you where in the business of charhing me for fee's I'm unaware of and hoping I see it. That just pissed me off beyond repair so I imediatly told her to close my account. She said it was in closing and as soon as I paid my balance. So I emptied my savings account and put this all behind me. Or so I thought! Just for fun I logged onto my account 3 months later. And guess what I saw... My account was not only still active but the monthly fee that I was so angry about had gone "unpaid" and I had over 90$ in late fee's, not to mention the ruining of my credit! So I called and they said they had no record of me closing my account. What idiots! So since I didn't have the date that I called or the name of the person I talked to I was at fault. Eventually I got them to close my account and take way the late fee's but I was stuck with those stupid monthly fee's which where the reason for all of this. These people DO NOT CARE about ethics or honesty. I did nothing to deserve the tre! atment that i got. And in the end they will always WIN. Do not get this card because ther's no annual fee, they WILL find a way to get your money!

	Jeff R. Sarasota, FL Complaint: This is a rough draft of the script of a phone call I plan to make on Monday to Capital One. "A phone call to the Capital One Credit Card Collections Department." * SCRIPT * Hello is this the Capital One Collections Department? My name is Jeff R. and I am calling about my account. I am blind and I am recording this phone call for my records, is that OK with you? If yes, thank you. If no, do you mean that you have the right to record this conservation, but I, as your customer do not have that right? KEEP RECORDING ANYWAY* This account was opened in my name jointly with my ex girlfriend (Lisa M.) I believe it had a $250 limit. I don't think I ever actually signed for anything purchased on the card myself. I believe my ex girlfriend made all purchases. We broke up three or four years ago, about three months prior to the last time the card was used. I don't remember the exact month and date, but when she moved out I asked her to destroy her card. My credit as a homeowner was the reason the card was issued. The only reason I/we originally obtained the card was to establish credit after my disability discharge from the Navy after 12 years of active duty because of blindness. I then paid off the card in full, destroyed my card, and called Capital One and asked them to cancel the account, or at least take my name off of the card. Capital One did not honor the request, because the next month I had to pay more money my ex had charged up. I again called capital One and asked them to cancel my name on the card. A month later I was sent another bill. I called Capital One and said I refuse to pay any more charges. I never signed for anything that was charged. And as far as I was concerned my ex girlfriend should be responsible because I asked you to cancel the card. The only choice Capital One gave me was keep paying for charges not authorized by myself, or stop paying and Capital One would eventually cancel the card if my ex girlfriend didn't pay the charges. She had no intentions to pay the charges. She didn't live in the same state. I had no contact information for her. She was just going to keep using the card as long as it worked. I think this is outright fraud and/or embezzlement on the part of Capital One. I was unable to destroy the card held by my ex-girlfriend living a different state. Now Capital One has about $400 plus listed on my credit report. Capital One is well aware that: I am a service connected blinded U.S. Navy Veteran I spent 12 years on active duty before becoming disabled I have owned my home since 1994 I recently obtained a home equity loan. I live in Sarasota, Florida and am in desperate need of home repairs like air conditioning. In order to borrow the needed home equity from the Navy Federal Credit Union. They (the Navy Federal Credit Union) told me they had to send me a check payable to Capital One to pay off the $400 plus, which is on my credit report. They would send the check to me because they don't have my full account number. Does this mean after I send you (Capital One) the check you are going to re-activate the credit card against my wishes? Does this mean that my ex can did the card out of her wallet again to find it working again? Are you going to start this crazy nightmare again! We weren't even married! I haven't seen her for years! So, I guess Capital One Won. Your corporate greed makes me sick to my stomach. I hope you don't have an American Flag on your credit cards. This is a fine way to treat your disabled veterans. How do you people sleep at night? I am sending this letter to my local media, and will try to post it all over the Internet. Perhaps an attorney will read this and agree with me about Capital Ones practice being illegal. Please contact me if you can represent me Pro Bono to sue this corporate greedy giant. This is CAPITALoneISM! By the way Capital One, congratulations on your record profit last quarter. I am sorry you had to close your Tampa Office and fire several hundred of my neighbors last week. You know what they say; "Your Check's in the Mail". May you Greedy Bastards all rot in Hell, Sincerely, Jeff R. Sarasota, FL *** (do you think I can record it legally and put it online?) PLEASE pass this email out to everyone you know!

	Everlyn Prado Guevara Brooklyn Complaint: I received a credit limit from capital one for 250.00 dollars but it seems that it was more than that since i was not able to pay off since there were always some type of extra charges. I sent payments on time and always were post late. I called Customer services to complaint but it was a big mistake in my part i am a big liar... it was a disaster since they are the rudest people i ever dealt with. NEVER AGAIN I WILL USE ACREDIT CARD. With all these rudness I sent several payments to fullfill all these penalties and fees but amazingly they are the only ones that always got them late no other creditor. I called one more time and told them that they need to get their act together and be more efficient- I was told that i should pay at leats two to three weeks ahead to make sure my payment is post it on time- have they lost their mind??? I got pissed and told them that the game staops here and i won't pay them anymore till they credit me all the fees and penalties ! that i was charged. how can a two paym,ent sent at the same time will be late on different two dates? They refused my offer since all of it will amounted more that their credit limit (250 dollars) and would have to return some money. They made more than twice their money from me and they want more -Land Sharkers!!!!!!!

	Pat KY Complaint: I have two Capital One Cards, I was sending my payments by mail, so when online payments were offered I signed up. Bad mistake I would make my payments they would send me a thank you for my payment, then after the payment due date I would receive a letter telling me that the payment did not go thru and I was charged late charges, then after the late charges were added it would make my account over the limit so they would charge me again. They told me to go back and redo my information which I did, same thing happened. I have three other bills that I pay online and have never had a problem. Now I keep getting phones demanded that I make a payment over the phone which I will not do, I am tired of the threats since I feel that the extra charges were wrong.

	Debora Hill 8312 Windmill Farms Cotati, Ca 94931 Phone: 707-792-7918 EmailAddress: debhill@att.net Complaint: Until August of 2002 I had a Capital One MasterCard and paid it off every month. In July of that year I booked two package trips to San Diego for my friend Jan and myself; when my bill arrived I had been charged twice for each package and assessed an overage fee from Capital One. I telephoned them and they told me Southwest Airlines had a 'glitch' in their computer system and had now refunded the extra charges; they agreed to reverse the overage charge. But only one of the extra charges was removed, and it took me so long to make Capital One understand and remove the second charge, that I cancelled the card and paid off the bill in full. In October I started to receive bills again, and that charge from Southwest had been put back on. After two years of filing grievances, sending letters, spending hours on the telephone and everything I could think of, I wasn't any further in the process than when I began. Southwest Airlines claimed they had reversed all the extra charges. When I renegotiated my mortgage, Washington Mutual insisted that $1,705.00 be paid to Capital One. Explanations of the situation never reached them, because the money is handled by an escrow company who refused to do anything about it. I called Capital One and agreed to settle with them for $850. In order to finish my mortgage re-negotiation, I had to pay them money I never owed them. When Capital One asks in that commercial, 'What's in Your Wallet?' Be sure your answer is: NOT CAPITAL ONE!

	kay EmailAddress: damikalo@earthlink.net Complaint: My husband had a capital one card and tried to pay off the balance. But when capital one was contacted he was informed that they had sold his debt to a collection company and no longer held the account. He then asked when did this happen for he had not heard anything and had been making monthly payments to capital one. He was told that his debt was sold over a year earlier. He found out who bought his account and contacted them, but to his susprise they were wanting the full amount of the orginal debt. He told them that that can not be right that he has been paying capital one each month a set amount (more then the minum payment)each month. The collection company stated that they had not received anything in the way of payments on his account. So, back to capital one, where he asked where his payments were going, he had the cancelled checks to show he had been paying. He was then informed that all the payments he had sent to them were just for interest and late fees that were on going even thro capital one sold the debt. They also told him that they did not have to tell him that they had sold the debt and that since the checks were made out to capital one that they had the right to keep the money. Needless to say he contacted the collection company and informed them that he will not be paying anything to them until his payments were credited to his account. He told them to send it to their leagle deparment. He was told by the collection company that there was a form that he would have to fill out. Two years later after filling out the forms and returning them he had not heard anything from either capital one or the collection company. Until he wanted to get a new job. Now a days most employers do a credit check before hireing new people. when my husbans credit was run there it was an outstanding balance from capital one, so my husband had to contact them. Now he has found out that for the past two years interest and late charges have been adding up on this debt that no one bothered to contact him over. He wanted to pay the debt at one time but he didn't know who to pay. I really can't see how any of this is leagle: 1. capital one sold the account,once an account is sold all interest and fee's stop. so how could they still collect money for interest and late fee's? 2. they sold a debt with out any notice to the comsumer, to whom they sold the debt to so that the right people would be paid. 3. how can they keep collecting fee's and interest for two years and let the debit balance grow without notice to the comsumer? they have the address and phone number. God knows that they called it enough at one time. We need to get the word out that capital one is nothing but a pond of leaches that will suck you to dust as soon as you get you feet wet. I had my own capital one card and had problems also, I was lucky enough to get it paid off. I did call and tell them to close the account and that I better not or never see a statment from them again with any charges of any kind. I checked my credit report the card still shows as active but no balance and I have not heard from them. But I am still watching my back for I do not trust them in the least. Thank you for letting me vent, but this will still not stop capital one from hurting other unexpecting victims...comsumers.

	Joel Fort Worth Texas Complaint: I was fed up with getting ripped off by Capital One so I asked them to close my account. I had over paid my last bill and had a positive balance; they made up a balance adjustment and stole my money. I HATE CRAPITAL ONE

	I.M. Ticked Complaint: Having been with CapitalOne for years, aside from the occasional late payment fee that I was (in my opinion wrongfully) charged, I would have until recently rated them highly. I will now be cancelling the card. To make a long story short, they have charged me $20 in finance charges on a card that I paid in full last month. - With a bill of over $6000 and my interest rate having gone through the roof, I decided to pay in full and eliminate the $100 plus monthly finance charges. I did just that. With a balance now at zero, I expected my next bill to only show my automatic $19.95 internet fee and a couple of minor purchases made since paying in full, I assumed that I would have no finance charges because no purchases were over 30 days old. To my suprise I had the $20 finance charge. The explanation I was giving when I called was: "We see that your balance was zero..." however, "...You have never paid in full before.". When asked what that had to do with it, I was given some garbage about a "grace period" and told I had to pay in full to avoid finance charges!!!! I WILL pay in full (including the $20 they are stealing from me) THEN I will take my business elsewhere!

	Irate Small Business Owner Complaint: I obtained a Capital One small business credit card with a small maximum (of a few hundred dollars) so that I could interns, assistants, etc. in my company use the card to help me run errands. The limit on the card was kept purposely small so that I could control expenditures. I was assured by Capital One that no charges would be allowed over the authorized limit. Yet, when an assistant charged a coffee at Starbucks, Capital One not only authorized the charge--they sent me a penalty of $30 along with it. I called to point out the error--which took several hours on the phone for them to admit--and they promised it would never happen again. But two months later they did the same thing. And did it again. And again. And again. Each time it happens, I spend hours on the phone with them. Each time they swear it will never EVER happen again. Tonight I am on the phone to cancel the card. (I mean, after six mistakes on their part and a totally ruined credit rating, would you believe them?) Typically, I have been: -transferred to the wrong desk--TWICE -been on hold since 9:20 P.M. EST (It is now about 10:30 P.M. EST)

	A. Miller Complaint: Capital One Are A Bunch Of Crooks, It is now January 2005, I made a payment of $1700.00 in July to pay off the Capital One credit card to stop the interest payments that were ridiculous and fraudulant. I found out in September of 2004 that the $1700.00 payment was not received. I went to my bank and they started a trace and the trace revealed that Capital One did receive the money. I phoned the company and thought everything was fine the balance was at zero. Then in December I receive another bill from Capital One and the $1700.00 charge is back on. I phoned the company and they told me they had no records of any trace or payments and that I still owe the money. I called my bank and they started another trace tracked my payment and sent in all documentation to Capital One. I called Capital One to see if they received the information and they said they did not. I finally put my bankers name on my card and she has been dealing with the problem and has sent the information again, it is now January of 2005. If I! was you I would avoid Capital One they are thieves and are dishonest. If you have a problem you will never get the same person to talk to so you never know what is going on!

	Anonymous Complaint: Someone got a hold of my personnal info an open an account with Capital One and made purchases. The twist is that the person did make payments on the purchases. However, after accumulated to nearly $5500, the persone stop the payments and somehow the statement started to come to me..I'ave asked Capital One to send me all the authorized transactions but Capital One refused. I've gone to the police and get a form to send to Capital One requiring the authorised transcation and stil being ignored....Capital One meanwhile place my account for collections.....How do I fight this now that Capital One has been resuing much of my efforst to get this resolved since I've never used Capital One. One final note is that this has happend before with Capital One and the previous complaint was clear and this happens again....

	Dee R. from Georgia I received a letter from CapitalOne that if I transferred a balance from another credit card that I would get a 2.99% fixed interest rate. There is a trick to this if you don’t read the letter very carefully. It only guarantees you 2.99% interest on the transferred money, not on any future purchases you make on the CapitalOne credit card, which is 9.90% interest. I will limit my credit card to the minimum since I caught on to what they were doing. It seems they must have to stay up all night to come up with new ideas to get your money.

	Capital one sucks Complaint: Capital one are a bunch of thieves. I got a balance transfer from them at 5.9% until the balance was paid off. Eight months later without any notice my rate was jacked to 14.9% for NO reason what so ever! They said I received a notice, but they lied and you have no way to prove them wrong. I have paid at least $40.00 over the minimum payment each month. I have perfect credit and have never been late on any payment to anyone, that's how I got the 5.9 rate in the first place. The customer service people will lie to you and tell you that a supervisor is NOT available to speak to when you are actually talking to a supervisor. I would advise anyone who is holding a Capital one card to do whatever you have to do to get rid of it. Sooner or later they will screw you, it's the way they do business!

	CH Complaint: Capital One is a company that is very customer unfriendly. They are the king of all customer-no-service. We have had 2 accounts with them. We have never been late ever and have a FICO score of 794 with excellent credit. Capital One arbitrarily changed our Annual Percentage Rate from 7.90% (as our contract reads) to 45.99%. I contacted their customer-no-service and received two unacceptable answers from their rep and their supervisor: 1)"it states that on the statement but we really didn't charge that rate" 2)"that is for tax purposes and an overall rate for the life of the card" (this from the supervisor before he thanked me for calling and hung up on me). This "Annual Percentage Rate applied this period..." reads the same on every statement for the past 5 years - but this time indicates an increase from 7.90 to 45.99. I could not obtain any explanation for this increase and because our balance is only 300 they don't want to talk to us. Do yourself a favor and s! tay away from Capital One and if you are a card holder check your annual percentage rate very carefully on each and every statement. This is the 2nd time they have done this to us.

	EmailAddress: brs@zcloud.net Complaint: I closed one of my accounts with Capital One. They even sent me an overpayment check for $12.44. To my suprise I was billed again for this closed account. Capital One said that I still had an account open and they would continue to bill me until it's closes. Capital One had no authorite to keep this account open. I even contacted the merchant and informed them about the account being closed. I received a statement today for $187.43. I was told that the Federal Trade Commission maybe able to give advice. I was given this number to call (202) FTC-HELP or visit there website www.ftc.gov. I did file a com- plaint with them. Hopefully they can help. If there's any other place I can file please e-mail me.

	jinn manchester uk 0161 EmailAddress: nemesisjin@hotmail.com Complaint: complaint: hey guess wot capital bank is now in uk and guess wot they still the same bastards.over chargeing not closing accounts charging stipid amounts of interest.ive tryed to talk to them they erase calls. None of the managers replay or when you get hold of them they say where looking into it then forget about it .their manners in talking are the same as street robbers. they wouldn`t even give me the (fsa)regulaters number or address so i can make a complaint to them. capital one contines to rob people (ps.we have the fsa which make sure we dont get ripped of who make sure that banks are stright and honest you guys might have something like that try them) good luck free sex for any one who takes them down. he he

	M. Y. Cailfornia EmailAddress: ms_vthang69@hotmail.com Complaint: I've been a faithful customer/consumer of Capital One now for 3 years. They have kept me at a $200 credit limit with no increase. Recently, one of my payment was not applied on the accnt so they charged me with a late fee. Then, the next billing cycle came and because they didn't post my payment, it went over the limit after the late fee and finance charge were both assessed.. this meant an over the limit fee was charged also. I called Capital One Customer Service to explain it to my understanding. The first rep got fustrated and hung up on me. I called back, the second rep started yelling at me and giving me an attitude because I wanted to repeat everything to confirm what the first rep was saying. I called back to talk to the Supervisor. And of course, she told me NO ONE had documented my earlier calls. As far as Capital One was concerned, I never called in to speak with any of their "customer service" reps... so much for customer care right?? Yeah, well word of mouth will be part of my personal mission here. DO NOT EVER APPLY FOR CAITAL ONE!! THEY ARE A SECOND CHANCE CREDIT CARD COMPANY. THEY ISSUE CREDIT TO PEOPLE TRYING TO REBUILD OR JUST START CREDIT. THEREFORE, IN THEIR EYES "YOU" ARE SECOND BEST AND WILL TREATED ACCORDINGLY. DON'T BELIEVE ME?? THEN TAKE THE RISK AND LEARN FROM EXPERIENCE!!!!

	Bing Shira EmailAddress: Bing_Shira@yahoo.com Complaint: This complaint is about Capital One. A few years ago I had a Capital One card. Mysteriously, I didn't receive one of the billing statements. Like most busy people, I didn't realize that I didn't get the statement until the next statement arrived. Surprised I called them to explain why my payment was late. Their answer was to increase my percentage rate. Needless to say, as soon as possible I cancelled the card. P.S. Since 1985 when I moved to NJ, I have not received only three pieces of mail: Capital One Bill, MBNA bill and a Bank One bill. Curious don't you think. Recently I saw a very nice promotion by Capital One: "Prime Rate for Life" was the advertisement: a percentage rate that would be for as long as I had the card. And then the missing bill syndrome started. I didn't receive a bill. I called them to explain I didn't get it and was told that they would send me a copy of the bill and take off the $35 late fee. They did take off the late fee, however, I never received the missing bill. They sent me the bill before and after, but not the correct bill. In addition, they increased my interest rate to 9.9%. Nice going. I am interested in being part of a class action suit against Capital One. I am also interested in being a part of a lobby to change the way credit card companies do business. 1. No more changing interest rates for any reason. 2. No more credit cards to those who are not employed, do not pass credit card worthiness, and no more cards to students (unless specifically limited). 3. All credit card rules, procedures and requirements should be written in plain english and in normal print. 4. Any changes to the account have to be notified to each subscriber by letter stating exactly what the changes are and why.(including rate changes, grace period changes and limit changes). 5. Limits put on late fees, transaction fees etc. 6. A telephone contact number printed in bold and large numbers on your billing statement so that you can call to fix any problems arrising from of your account. 7. Billing statements that are legible and easy to read form.

	Bruce Davis 7017 Park Shores Ct. Middleton, WI 53562 Phone: 608-831-0090 EmailAddress: drbrucedc@yahoo.com Complaint: After contacting Capital One to tell them to cancel my account, I was told that before I could close it, I would have to bring the balance down to zero. I mailed them a check for the $18.45 to pay off the account in plenty of time to make it there and be processed by the due date. The next thing I know, I get a bill for 18.45, plus .50 plus a $29 late fee!!! I realize that the dollar amount is not that big of a deal, but from a company that notoriously pulls this crap all the time. This really pisses me off!! Needless to say Capital One will be eternally on my fecal roster. Is there any recourse for a consumer at this point???

	Ricardo Gonzalez Albany, CA Complaint: Hi! A couple of months ago I was checking out my credit report I decided to close some credit card accounts I had because I simply wasn't using them. I tried to close a Capital One account I had. I initially called them with my request to close the account on december of 2004 and they told me that the account had to have a $0 balance for the next thirty days and then it would be closed. Since I didn't use the card at all that wasn't a problem. About 2 months later I was checking out my credit report again on www.Freecreditreport.com and it still showed the account as open, I though this was a mistake because they told me that it would take 30 days and they cancelled my online service (almost immediately after I put in my request in the first place) and I stopped receiving any statements in the mail also. But they didn't cancell the offer mailings. I called Capital one and told them about my credit report showing the account as open and they comfirmed it. They told me that the account was still open. I asked about the reason and they told me that I never requested it to be closed, that their records indicated that the call I made on december was to report a lost card. But that didn't make any sense because they immediately cancelled my online service and cancelled my statement mailings. I put in a second request to close the account and again they told me 30 days with a balance of $0. It is now april on 2005. I checked my credit report again and the account was still open. I called capital one again and they confirmed it again. They told me it was in closing status but it has been like that for about 2 more months now, and again they told me another 30 days. Before I initially put in my request to close the account I asked for a credit limit increase in order to keep the card because they were just giving me a credit limit of $300 and I had two other credit cards with around $4000 credit limit each. I was going to close one of the other ones and keep my capital one card because they were the ones that gave me a credit card in the first place, and I appreciated that. But they denied my request for the credit limit increase and I just didn't have use for a credit card with $300 credit limit because I was always worrying about going over my limit. I was never late on my payments and I don't think I ever gave them a reason to deny my request, but oh well. I was considering applying for another type of credit card with Capital one befor all this trying to close the account thing started but now I will never do bussiness with them again. Frankly it's scary to think that there are companies out there with such moraly wrong procedures, and they hold the power in their hands to ruin somebody's credit. My wife had the same problem with capital one years ago. She says that she requested her account to be closed and never gave it a second thought after. They also stopped her mail but never closed her account. She found out her account was still open about five years later when she applied for a loan. My only advise to anybody who is trying to close an account with Capital one is to follow the process very closely until you can make sure that it is in fact closed. I would recommend online services like www.Freecreditreport.com. If it weren't for that service, today I wouldn't have any clue as to the real status of the account, and for about $70 a year I think it's worth it. Just think of the money it can save you if you apply for a loan. Well, thanks for reading and good luck to you. Sincerely Ricardo Gonzalez

	Anonymous new york, ny Complaint: I have a CapitalOne Visa Platinum on which I took a cash advance of 140.00. I pay this cards balance in full every month. They proceeded to charge me finance charges on 205.89. The finance charges on this amount are only a couple of dollars. Yet, when I called to ask why these charges had been made I was told I had the wrong amounts and was hung up on by two different service representatives.

	mary t lapen 23 woodland rd marshfielf, ma Complaint_against: capital one Complaint: have any customers out there noticed the "Monthly member fees" capital one has been tacking on to their customers bills/ what a rip off. call and complain then shred your card up!!!!!!!!!!!!!!!!!!

	jerry 29 saratore circle birm, ala Complaint_against: cap 1 Complaint: Do not do business with capital one. they are horrible. get this, my cousin owed a little money to them. do you believe these jerks put a lien on his house because of a few hundred dollars. Lets outsmart these jerks. do not do business with them. my cousin almost dropped dead from all this and this story is true , believe me!!!!!

	Dean Complaint_against: Capital One Complaint: I've had many problems with Capital One - fees etc. - payments not being posted on time and so forth. The last case had to do with an overlimit fee. I had intentionally called to set up my account to not be able to go over the limit. I was told that gas purchases sometimes do not go through right away - this would be an exception to the set-up. Also, if a payment is done manually - they may have to let it go through and I would still be charged the fee. As it happens - they have still allowed regular charges to go through - and then charged the fee. I was able to get them to remove it a couple times - also had some not-legit late fees removed - then they began telling me I'm at my limit for fee removals - we can't remove any more fees even if its OUR fault. Not one to give up - I found that if you keep calling and calling and calling - sooner or later - you'll find someone who will agree to take the non-legit charge off. PERSISTANCE is the key - don't let these people win -! if its a fee that should not be on there - and you're having trouble getting it removed - call, call, call, and call again - I know its a pain - but when they finally take that fee off - there's no feeling like it. Remember - be persistant - have a good arguement and don't take no for an answer - sooner or later (usually later) YOU SHOULD WIN. so far I haven't had to write to the many agencies etc. but damn - some of these credit cards are evil - I love how when you call - they claim to be customer service - WHAT A JOKE !!

	A.A. Complaint_against: Capital One Credit Cards Complaint: COMPLAINT CONTAINS MAILING ADDRESS FOR CEO OF CAPITAL ONE The copy of the letter below tell the story: May __, 2005 Mr. Richard D. Fairbank President & CEO Capital One Financial Corp 1680 Capital One Drive McLean, VA 22102 [Address from Yahoo Financial] NOTICE OF INTENT TO FILE COMPLAINT WITH VIRGINIA ATTORNEY GENERAL REASON: HOLDING GOOD CREDIT HOSTAGE, OTHER VIOLATIONS Dear Mr. Fairbank: Capital One is holding my good credit hostage through lies and subterfuge. There is currently a housing crisis where I live and the loss of the asset of the good credit I built up with you is serious. Multiple attempts to get you to report my use of credit had no effect. Your employees claimed twice that you would at least sent me a letter confirming my account history and use of credit but they never did. This is not an accident. I've found many accounts online of similar behavior by your company intended to prevent your customers from leaving you and getting credit elsewhere. You also charged me for late fees even though I mailed my checks in time (and there are plenty of complaints about you doing this online) You preventing me from closing my account by subterfuge (and there are plenty of complaints about you doing stuff like this online.) Dealing with Capital One has wasted incredible amounts of my time. You've for sure lost a customer for life and I'm not the only one. I WANT: My good credit reported accurately under BOTH my organization's name (and employer ID number) and my own name and social security number. That report should say that I paid my bill on time for three years, except for one thirty days late payment, and that the account is it now closed and paid in full. This should all be reported to the three main credit reporting agencies under both names and as well as Dunn & Bradstreet for the organization. You made me personally guarantee this account and if I assume the liability I deserve the credit too. I want $1,000 for the loss up to now of my good credit history, stress, much wasted time and punitive damages. This includes roughly a hundred dollars for improperly charged late fees. This amount is symbolic and in no way reflects the true losses involved. I will ask for more later if I have to file a complaint or lawsuit. If my credit has not been accurately reported within 30 (thirty) days from the receipt of this letter, and I have not received a check for this amount I will file a complaint with the Attorney General of Virginia. Sincerely (this customer) cc: The Honorable Judith Williams Jagdmann, Attorney General of Virginia The Honorable Eliot Spitzer, Attorney General of New York

	robert N.J. Complaint_against: CAPITAL ONE Complaint: i had both visa & mastercard from capital one for over 10 years , and they would knot give me there 9.9 % card , even when i asked [once a month for the last year] they wanted me to keep & be happy with there 16 & 18% cards. till i said GOOD-BYE,even if it hurts my credit,the high interst hurts more.

	M. Yass 200 Happy Trail Indianapolis, Indiana 46222 Complaint_against: Capital One Complaint: Capital One sent my credit card statement to me so that I received it Saturday May 14 and it was due Friday May 20. I knew it would be impossible for the US postal Service to guarantee me that they would get the payment to Capital One on time. So, I decided to call Capital One to get a mailing address for a payment. They don't want to publish on any of the credit card invoice addresses outside of the P.O. Box number. Remember, the US postal service will not deliver to a P.O. Box number overnight. Well, I paid big money on May 17 to ship off the monthly payment to Capital One which was guaranteed to arrive before Friday, May 20. On June 1, I received in the mail my new Capital One credit card statement and sure enough, I was assessed a $29 late fee. I called the Post Office because I had both my receipt of payment and receipt of mailing. I was told it was delivered to the address provided to me in the state of Washington on May 19 - the day before it was due. When I! called Capital One to inquire why I was assessed a late fee, I was told it was not received until May 24!! You can imagine my puzzlement. I confronted the bank rep with the postal receipt number and information of receipt provided by the post office. She said it was received late. I disputed it and she reluctantly agreed to remove the $29 charge. In short, this company is unethical. More and more banks are attempting to improve earnings by assessing late fees. How do they do this? They send payment invoices through the mail LATE. Then when you try to send the payment via the Post Office, they provide the incorrect mailing address or postal zip code to ensure that it will not be received on time. These extra "late" charges are great for the bank's bottom lines. The ONLY way to fight this, is to cancel the credit card. I am doing so as soon as I get my next statement so I can see that the "late" fee was removed.

	CT Las Vegas Complaint_against: Capital One Complaint: Capital One infuriated me such that while hanging up the phone with these idiots, I was reaching for a pair of scissors to cut up their card. A month or so earlier, I had called C1 to ask a routine question about my account. The representative I spoke with solicited ME for a balance transfer, and offered me a rate of 1.99% for the life of the BT. It sounded like a good deal, so I agreed to take $1500, which she said she would mail to me in the form of a check. She also stated there was a 3% transaction fee, and I agreed to that. I know there is a lot of fine print with cc companies, so I had her go over the exact terms of the offer three times. Sure enough, within a week, I get the check from C1, deposit it into my account and proceed to pay off a few smaller accounts at higher rates. All is fine until I get my first statement, which bears an interest rate of 18.99%! I immediately called C1 and told them the whole story. The rep I spoke with basically said there was "no record" of their offer to me and that they "don't even offer" that rate/deal! Incensed at essentially being called a liar and/or crazy, I asked to speak to a supervisor. After going through the whole scenario with him, including asking him to find out who the rep was that I spoke with (I work for another financial services company, and on our system whenever anyone goes into a customer's account, their id number is recorded) which he claimed would be impossible. He also basically told me they don't offer that rate and that there was nothing he could do - they refused to lower the rate to the rate I was offered (unsolicited by one of THEIR representatives, mind you!), or to credit the interest they had already charged me from the time they SENT the check (not when I cashed it) until I paid it off, as I said I would be doing momentarily. At this point I was completely enraged, and told the "supervisor" that I would be paying this account off asap and closing the account. I took the money out of my savings account and paid them off the next day. The stupidest part is, I just got an offer in the mail from them the other day offering, imagine this, 1.99%. But wait, they don't even offer that rate, I must be hallucinating or hearing voices again. They have yet to close my account, as I just checked my credit the other day and it is still showing open. I'm sad that David Spade hocks this no-servicing waste of plastic...David, when your contract is up, don't renew it!!

	Dennis Letts Austin, Texas 78727 Complaint_against: Capital- One Credit Cards Complaint: I have three capital one credit cards and all three have exhibited the same tendancy--to maximize the number of late payment fees. I mailed the last check to them on June 6, 2005 for a June 16 due date. They claim the check arrived June 20, 2005 and charged a $29 late fee. Anyone who has mailed bills through our postal system knows that a domestic 10-day delivery time is EXTREMELY unlikely. I paid off the balance by phone and closed the account,looking forward to paying off the other two credit cards ASAP. I encourage any Capital-One customers to do the same--they are they biggest thieves in the credit card business. Dennis Letts Austin, Texas

	Robyn Florida Complaint_against: Capitalone Complaint: June 2005 I have never had so many problems with a credit car company. Problem #1-Made an online payment 2 weeks before the due date because I was going out of town. I returned home a day after the due date and checked online about my account (due to problem #2 see below). Anyway that is when I noticed they never credited my payment. They charged me a late fee and doubled my APR. They refuse to fix and say they will call me back and NEVER do. They are rude and are the worst credit card company out there. They basically said I was lying about the payment even thought I gave them time date etc of the payment. #2-I have been having a billing issue with a gym membership I cancelled 4 months ago and I have all the documents to prove I cancelled it. They keep saying they will dispute the charges but there is nothing more they can do. Then they say well you didn't word your cancellation correctly. Now I wrote word for word what the gym advised me to write on one letter of cancellation and then one letter with the words capitalone advised me to write. They then say they will look into it and call me back...guess what---no call back. I even spoke with a very nice ladie about the whole thing who promised me she would follow up to make sure I had received a call back..she didn't call either. Maybe their outbound calling lines are broken--hahah!!! I need to find another credit card company that actually likes their customers and are on their side!! Please avoid applying for this credit card...I find it ironic that they have those "no" commercials out there about "other" credit card companies...cause I almost swear they are talking about themselves...because they say NO more than my little daughter!!!

	Glenn Rutledge Fletcher, NC 28732 Complaint_against: Capitol One Complaint: I cannot say enough bad things against Capital one. Stay AWAY! I've finally resolved all my issues with them (no time to elaborate), now while trying to even CLOSE this account, they say I have a $.05 credit- so they cannot close the account. Once that's resolved, they claim I have to wait a full billing cycle with no balance (yes- the credit is considered a balance), before they will close this )($#@&_)$@&_)@#&$ account. This way I might use the card and stay with them (where did that credit come from it was NOT a credit form a retailer. It was a mis- calculation of their "resideual" interest charges. How convienient for them. I cannot seem to CLOSE this account!!!! Stay away from Capaital One. btw- I have very good credit.

	M Swan Niagara Region, Ontario, Canada Complaint_against: Capital One Complaint: I have always been leery of credit card companies that send pre-approved applications in the mail. My wife, however, was suckered in by Capital One's offer. As much as I love my wife, she's quite irresponsible with credit. She used her Capital One card for cash advances and purchases and by the time she received her 2nd statement, she was over her limit. Regretfully, that's our own failing. Capital One, a true financial predator, pounced on her. They charged her the annual card fee... interest on the purchases... interest on the cash advances... a steep fee for being over the limit... a fee for each cash withdrawal transaction... AND another fee for the "privilege" of cash advances. All told, there were over $65 just in service charge fees!! I was livid, my wife was remorseful, she saw the error of her ways and we immediately cancelled the card. Since then, Capital One has been dangling carrots before our faces, trying to entice us back. After reading many of these posts, however, I will be vigilant for the annual service charge... even though the account has been closed for months.

	L Pettit St. Petersburg, Fl 33716 EmailAddress: leezabill@aol.com Complaint_against: Capital One Complaint: Years ago I had no choice but to use my credit cards for dental bills(about $7,000.00) and to fly out of the country for a death in the family. I tried hard to pay these bills. But when it got to where I didn't have enough money left for the basics after making payments I was forced to file Bankruptcy. Before doing so I did try credit counseling but they were not able to lower my monthly payments. Sometime after my bankruptcy I got a pre-approved offer from Capital One. I wanted to have one credit card so I accepted even though it had a $59.00 annual fee. Believe me folks I did learn from my first mistake. So for the last four years I have charged very little and telling myself when I do I have to be able to pay it off in two months or less. For the last six months or more I have been getting offers from Capital One. All these offers had a lower annual fee than my $59.00 and several had NO ANNUAL FEE. So, I decided to write Capital One a letter. I ask them since I! had been a customer for several years and was in good standing with them could I be given a card with no annual fee now. Of course the answer was no, that for my reference my account terms include a membership fee(annual fee). Their suggestion was to cancel my account if I wanted to avoid paying the fee. Isn't that just great customer service? They would rather loose a customer of four years than give me a card with no annual fee now. So I intend to cancel this account which I hate to do as it leaves me without a credit card. Of course after reading all the horror stories on here of what has happened to people that "tried" to cancel their card I fear what will happen to me and the credit I have worked hard to rebuild. I do feel that reading all this helped me to know better what to try to do so that I don't have a major problem(at least I hope). So thank you to all of you that were so willing to share your misfortune and best of luck to all of us.

	Amy Rodrigues 606 Metropolitan Ave apt 1 Brooklyn, New York 11211 Phone: 646-256-9108 EmailAddress: amrod1@yahoo.com Complaint_against: Capital One Complaint: Capital One Credit Cards make City Bank seem reasonable. My limit on my card is $300. They post payments more than one business day after they are made although they say if you make it after 6:00 p.m., they will post it the next business day. I have had an experience where I have gone over by a few cents and an over the limit fee is charged the next day- 3 business days before payment closing and I don't know about it. As soon as this happens, even if your account is on time, they send it to collections. I just spoke with someone I tried to negotiate this with and she was terribly rude. I really think they border on illegal behavior. obviously, they get away with this, but I am wondering if it is for longer.

	Casey Fillmore, CA Complaint_against: Capital One Complaint: My husband and I have separate Capital One cards that we got in 1998. We never had any complaints about this card until the last couple of months. In May, I received a statement for $19 for the annual fee. I had not used this card in over a year and had a zero balance. I called Capital One to get this fee waived. I had done this in the past with no problems. Well this time, they refused to waive it and the customer service rep was very rude. So I paid the fee and decided to use the card to get the remaining 200 miles I needed so I can cash out my mileage then cancel the card. I used the card a week later for dinner costing $18 and then went to Camping World and spent $130. We decided to buy a tv for our new trailer at Best Buy just after those purchases. Well my card was declined. On my way home (with my husband driving) I called Capital One about the problem. The rep transferred me to security and she was the biggest B***h. She basically said my card was red f! lagged because I went to a restaurant and then went to a sporting good store. She said it was red flagged because a lot of credit card theft happens in restaurants. I told her that was a weak excuse and said "So if I happen to use this card again for dinner and then use it to go shopping, I have to call you let you know of my intentions and approval! She said Yes" I was appalled to hear this. I have over a 800 FICO score and always been responsible for my debt. This card was paid off, my rewards received then cancelled. But this was not the last of Capital One!!! My husband paid his bill in full through billpay on a Thursday morning and the money was transferred to Capital One on Friday. Well he called a week later and found out he was charged a late fee and finance charges. Found out that they did not post his payment until Monday (the next business day) Needless to say he tried to call them and went through all the automated phone service and couldn't get to a real person to straighten it out. So needless to say, he will pay it off and cancel it. They don't care about their good customers and trying to keep them. They just treat every one like they are in terrible debt and can't pay their bills. I wish I knew about this web site before I applied for these cards.

	Paul Salvi EmailAddress: dellitro@yahoo.com Complaint_against: Capital One Complaint: Capital one you can not speak with a representative - there is no option to do so -- also the email on the website bounced --> does anyone know what is going on with Capital One Credit Cards ?

	John Complaint_against: Capital One UK Complaint: I got a credit card with capital one several months and set up a direct debit to pay the bill in full all was ok until last month. when my bank bounced the credit card payment the account was short about 10 pounds. so i got a £30 charge from the bank and a £20 charge from capital one the balance due was about £49 so i paid them direct £95 to pay of last months balance and also to keep this months payment down to about £105. ok i accept i did that to myself but i cleared the balance owing right and then some. well this morning they tried to take £200 from my account and succeeded in bringing it overdrawn by £25 which meant the bank bounced it this now means a further £30 charge from the bank plus a further £20 from capital one" however my total balance on this card including for next month is £130 and right now my statement online says my balance is 69 in credit to me in other words they have £69 of my money. obviously when there systems realise they didnt grab my money successfully i will be back to £130+ £20 direct debit fee from them owing. I am so angry both with them and the bank so now i aim to close both the card and the bank account. The way this company work even in the uk which has regulation is evil I just hope closing the account is not as difficult as it seems to be in america.

	M Complaint_against: Capital One Complaint: Don't Do Business with Capital One I found Capital One to be deceptive and sleazy. They are holding my good credit hostage. I spent years building up credit with a Capital One Credit Card. They say they don't report that type of card. I believe that they do this so you can't go elsewhere. They created difficulties to keep me from closing the account, even though had I paid it off in full. They kept it open an extra two or three months by playing games. They claim that they got some of my payments late, although they probably should have gotten them in time. After reading about other people having this same problem, I believe that they lied and said they received the payments late to charge me for late fees that I did not owe. The workers you get on the phone may have beautiful manners and seem to be so classy and apologetic that you will have a hard time believing that that the company is so sleazy. The workers not be fully aware of these things themselves. There seem to be more than a few people experiencing difficulty having their payments posted as they should be. If you are trying to close your account, your might want to watch them playing games that might prevent that, like giving a pay off balance as of a certain date (far enough in the fututure that you feel your check should have arrived by them). It might turn out that somehow your check didn't quite make it by that date and the tiny amount of interest charged has caused the account to be open for another month. Another thing to be aware of, is that unless things have changed, they have a lot of their phone service workers in India, and they are useless. Ignore all those Capital One ads (maybe the income from ads are the reason they don't get exposed on the news). This is a sleazy company. If I had it to do over again I would get a card from a large, reputable local bank. They are generally less apt to do these kinds of things. Another thing to know is that the Virginia Attorney General's office might not accept your complaint against Capital One. There is another Virginia agency, I think it's called the Office of Thrift Protection, that is supposed to have supervision over this type of company.

	Lynn C. Complaint_against: Capitol One Complaint: I wrote a dated April 6, 2005 for $4000 to Capitol One Bank. This checked cleared my checking account for $400 on April 11, 2005. I called my bank and on April 21, 2005, they promptly issued a credit of $400 and then debited the correct amount of $4000 out of my checking account to correct the discrepancy. Since Capitol One failed to catch the error, I had to contact them myself about the problem and mistake on my credit card statement showing the $400 payment instead of a $4000 payment. On May 10, 2005, I was told by the Payment Investigations Department that Capitol One's bank, Bank of America, had committed an encoding error and that is why the payment was recorded on my statement as $400 instead of $4000 and thus why my check cleared for $400 instead of $4000. Since Capitol One showed they had received payment for only $400 and my bank cashed the $4000 check for $400, my bank promptly forwarded $3600 to complete the $4000 dollar payment I had originally sent. A represen! tative from accounting at my bank reported to a Capitol One Customer Relations Department superviswor on September 6, 2005 that my bank had indeed sent the $3600 on to their Clearinghouse to complete the payment to Capitol One on April 26, 2005. I am still getting billed for this $3600 and cannot get Payment Investigations to return my calls and get this problem resolved.

	Lynn DeMaria Pinehurst Rd Albany EmailAddress: lad57@verizon.net Complaint_against: Capital one Complaint: I have had two credit cards with Capital one for over a year now. I live in Albany, NY and used to send my payments to a Virginia post office box. About 5 months ago they changed the address for payments to St. Louis MO. I mail money orders to them so I have no way of checking when they were cashed. Each month I mail the payments on the same day from the same post office at the same time. Since I have been sending the payments to st louis, I have had 3 months of late fees on each card. I have the 2 payments posted on different days, always past the due date although I am sure that I have mailed them in time. They keep blaming the post office saying that I need to allow at least 10 days for the post office to deliver the mail to them. They assure me that the payment is posted on the day it gets to the post office. I can mail payments to california for my car and the most it takes is 4 days to be posted, but apparently it takes 10 days to st. Louis. I have called the post office in St Louis and they have had numerous complaints about Capital one and apparently they are compiling names or something. I have found a nice woman that works at the post office that has agreed to receive a series of mailings from me and document when they are received so I can prove it doesn't take 10 days to get a letter from here to there. I have also found out that Capital one is regulated by the State of virginia Banking Department and will handle all complaints against this company no matter what state you live in. I would hope that all the people that are having problems with this very disreputable company (in my opinion) will send an official complaint to the virginia banking department. There is strength in numbers and a large very wealthy company- they have to be wealthy as they have charged me $180 in 5 months in late fees- can certainly defend themselves against 1 or 2 complaints but thousands or more may be a different story. If all the complaints I have read on this website are true, then capital one needs to be sanctioned for their business practices. Thank you for allowing me to vent. Lynn

	Anonymous EmailAddress: ktamlyn@aol.com Complaint_against: Capital One Complaint: I have been with them for several years. I was two weeks late in my payment in August. I went from 9% interest to 27%!!! I am in the process of trying to get this fixed; however, they say there is nothing they can do at this time!

	Eileen Kooreman Grand Rapids, MI Complaint_against: Capital One Complaint: We mistakenly encouraged our 18 year old son to get a Capital One credit card when he was solicited by mail. He was leaving to do missionary working with the poor in Mississippi for one year between high school and college and we felt it would teach him about credit and as well as give him a back up in case of an emergency. His credit limit was $300. When his year in Mississippi was up he came back home and enrolled in community college. Part way through his third semester he had an accident which forced him to drop out of school for health reasons. His bills piled up and between doctor visits, insurance claims, and red tape with the school, we overlooked his Capital One bill. When we did see the bill, it was over the limit, not because of purchases, but due to late fees being assessed. I immediately called customer service and closed the account. After explaining that I would be willing to pay off the entire balance if they waived the most recent late fee, the person I spo! ke with agreed and gave me the payoff amount which I paid immediately. A month later I got the Capital One statement and the late fee remained on the account with another late fee charged in addition to that. When I called to follow up - surprise - there was no record that I had spoken to anyone about the account although it had mysteriously been closed on the date of the original conversation. They told me I would have to go through an appeals process to have the late fees waived. Of course we received a letter in the mail a couple of weeks later saying the appeal had been denied. The problem with dealing with companies like Capital One is that their customer service reps are not really empowered to do anything. Instead of working with the customer to reach a satisfactory solution the customer service agents seem to only have power to make quotes from the "rule book." Instead of being grateful that the responsible parents of a sick college student were willing to pay off his debts, they created a mountain of "bad will" by insisting we pay additional charges created, not even by using the card, but by their own fees. We paid off their fees but you can be sure that I'll research all future credit opportunities and boycott anything connected with Capital One as well as tell my story to anyone willing to listen.

	Ms. Kim Complaint_against: Captital One Complaint: Recently I reduced my credit limit on my Capital One credit card from $5000 to $3000 as was advised by financial experts on the Today show to be less vunerable in case of fraudulent charges. Well, unbeknownst to me, I received my statement and was charged an "over limit" fee of $29! I couldn't believe it! I thought your limit was YOUR LIMIT, and if you went over it, the card would be declined! But since they want to be "nice" to you, "in case it's an emergency", they extend your limit, then charge you $29. for being so "nice"! When I told them I was not told of these "over limit" charges when I reduced the credit limit, I asked for them to waive that charge. They said that they couldn't do it! I then spoke to a supervisor who said "No!". So I canceled the card. BTW, I always paid my monthly statement off in full each month for 4 years straight with only one missed payment! Now, I can say: What's NOT in MY WALLET!" Thanks for being so "nice" Capital One! Other cardholders....BEWARE!

	Vincent NJ EmailAddress: vinkwinn@yahoo.com Complaint_against: CapitalOne Credit Card Complaint: DO NOT USE CAPITAL ONE. CAPITAL ONE WILL NOT BACK YOU IF YOU LEGITIMATELY DISPUTE A CHARGE!!!!!! I disputed a $70 charge for a hotel. The room was filthy along with all the linens. I call CapitalOne and dispute the charge. They deducted the charge from my bill and sent me a letter telling me to provide my name, account number, details of the incident, etc. I mailed my letter in in Nov 2005. A couple of days after this the charge reappears on my bill. I call back and they tell me, get this, that i have to have a third party letter from ANOTHER HOTEL'S MANAGER about the quality of the room. Uhhhh, don't forget that this is like 2 months after the fact. They will not take the charge off until I mail them the letter. Ridiculous. The customer service and investigative solutions dept are one in the same, i can say that for sure. I dont how to go about stepping this up to the next level.

	Charles Florida Complaint_against: Capital One Complaint: I have been customer of capital One for five years and have never been late on a payment. I carefully ensure that I pay my bills on time if not early. I received a letter from capital One stating that I was late on a payment and that my 14% interest rate was being raised to 28.5%! I had no idea credit cards could charge that much. Afer five years of a solid payment history my rates doubled to nearly 30%. When I contacted the customer service representative I was instructed that after 8 months the account could be reviewed to see if the interest rate could be lowered. The representative seemed to be reading the rules from a script and any attempt by me to have him look at this as an individual case was unsucessful. Needless to say I am not waiting the 8 months. Thankfully I have the resources to pay off my balance and move elsewhere. Interestingly enough, when I caled back to pay by phone ( I wanted my payment credited instantly), the charge of the call was $10 (it would be more if i spoke to a person) What's in my wallet? Not Capital One. Charles

	robert allen 1726 north circle drive 85281 Complaint_against: capitalone Complaint: I have been a capitalone card holder for 4 years and no problems.then i get and offer for 0.0% no interest for 1 year from capitalone.the next thing i know, I get hit with a $135 transfer fee. I am very good about paying off my current balance.But now capitalone says that the transfer amount gets paid off first.now i'm getting charged big interest for a balance that is suppose to be .0%. I called capitalone and all got was a huge hassle.I asked to speak to a manager 3 different calls .all i got was a 1 hour wait on long distance no least. If you are considering capitalone I strongly urge you to run. I will answer and correspondence by mail.Capitalone makes American express look like a kindergardener