Complaint: I have been a customer with CapitalOne since I was 18, unfortunately at 24 I do not have an extensive enough credit history to cancel the card without negatively affecting my credit. For the past several months I have made only the minimum payments on my credit card which is maxed out. Every month I am charged interest which puts me over the credit limit and I am then assessed a $39 overlimit fee. I finally was fed up enough to call the customer support number today to speak with a man with a very thick accent that called himself Steve. I told him that I was under the impression that the minimum payment that was require! d of me was enough to cover all interest plus some principle and I asked if this was correct. He said that I was correct. I asked him how if that was the case I was continuously being assessed overlimit fees. He told me that even if my account is over the limit by $0.01 that I will be assessed a fee. I told him I understood that but I did not understand how the minimum payment was not enough to cover the interest and principle and I therefor ended up overlimit every month. He explained that the minimum payment did not include fees such as overlimit fees. In my opinion this is just a way of scamming customers into paying more outrageous fees than they are already, avoid Capital One at all costs!!

Complaint: hi, i have a capital one card its not a bad card i have a credit of $800.00 one time i got in fee but what you do is call and capital one will get it off

Complaint: capitol one is the worst company ever, they messed up my husbands credit bad...someone took out a card in his name and charged money and obviously never paid, and he already had a card so we cancelled both and fought the fraudulent one it took a year to get them to remove it and then even after we cancelled the one that was his they continued to charge us fees for stuff that we had no idea what it was like for giving us credit reports monthly which we never got and it was horrible. stay away from capital one they are rip offs

Complaint: My wife died last fall. We had a Capital 1 mileage rewards care and we had saved up 140,000 miles to go to Europe. Last February Capital 1 called me with a fradulant credit card useage and I said to cancel my card and issue a new one to me, which they did. The new card had an immediate restriction on it but NO ONE at capital one knows how it got there, or who put it there, or why!! I have written them Four letters including one registered letter and have never gotten any response from them at all. They,by their own admission, owe me about 750 dollars in rewards but I cannot access them BECAUSE OF THE RESTRICTION ON MY CARD!! Hoping you can help me. Thanks, Charles Rose

Complaint: August 5, 2008 Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580 Dear Federal Trade Commission: I am writing in reference to fraudulent practices on the part of Capital One, whose address is P.O. Box 30285, Salt Lake City, UT 84130-0285. This company has made two fraudulent representations that have cost me money: 1. Account representative Jovan #OPJ651 said that if I accepted a 0% offer, and carried a balance on purchases that were subject to the 12.9% rate, my payments would apply to the portion of the balance subject to the 12.9% rate. 2. When I pointed out this misrepresentation (upon discovering all my payments were being applied to the 0% balance), I was told by someone who only identified himself as "Brad" that I could have a 9.9% interest rate. I have discovered that this rate was never put into effect, and I was not notified. I spoke to this Brad on June 2, 2008, and he told me the new rate would go into effect on June 6th, 2008. On August 5, 2008, in answer to my phone query, I was told the new rate did not go into effect and would not be implemented. The representative I spoke to on August 5, 2008, refused to tell me what agency to report these fraudulent claims to. I asked repeatedly for the name of the agency with oversight, and the representative I spoke to on August 5, 2008 repeatedly refused to give me that information. Thank you for your attention to this matter. Sincerely,

Complaint: This letter is being mailed to Capital One's Customer service. I post this here in hopes that others will become very savvy concerning credit cards (debt) and that we all work to force the fees that they're able to charge be regulated. We are The Customer, giving us the right to force them to change their operating practices. What would they be without us, The Customer. October 22, 2008 Capital One PO Box 70886 Charlotte, NC 28272-9903 Dear Customer Service, I am writing in Reference to ACC # ....... I had been a customer of Capital One since 1993. I stopped my attempts to pay on my debt in April 2008, when my employer began to have a decline in donations, which affects my salary. I write to say that it is not my intent not to pay off my account but to make arrangements so that when I’m able to begin paying, I will have assurance of paying it off, even during these times of economic troubles. In January 2008, my balance was $778.39; my purchase limit was $800. I tried to pay down the account, only to realize in March that the finance charge and the added penalty charge of making a late payment put me ‘over the limit.’ I then was charged $39. I became ‘over the limit’ because of the late fee charges, not because I was misusing my card, double penalization for not being able to make a payment. I have since cut my cards. My attempts to pay down this account were futile, as financial difficulties at that time had made it difficult to pay on time. Once I missed a payment I was penalized for $39 for each late payment. I was charged a late fee and then penalized for being ‘over the limit’. During this time, I spoke to several phone representatives and asked that the fees be stopped by closing the account out and that the ‘over the limit charge’ was an unethical charge, since I was not misusing the card. I hoped that by closing out the account the charges would stop. My request to close the account was never acted upon, except the ‘over the limit’ charges did stop in June. Months later, I did receive a letter from Capital One saying that my charging privileges were suspended. I had asked the account closed months before. Now, the amount owed is $1,176.50, $156 of that amount is from ‘over the limit’ charges. I am seeking a second job to pay off this debt. However, I realized that if I paid half of the balance, and then lost my job months later, I would soon still owe the same amount or even more; because charges again would eat at my efforts to pay. With financial difficulties as they are for everyone, I see no point working to lower a balance that will only eat up my attempts to pay the debt. This is wasting money that’s getting harder to come by. At this point credit rating is not a concern for me. I continue to work toward a second job to pay my debt. I do ask however, that the account be completely closed including finance charges to stop. This will allow me to pay off the debt as our economy stabilizes, grows, or slows. I am asking for a locked in amount of $1,020.50, this is the amount of the finance charges minus the over the limit’ charges. I request in writing that all telephone calls regarding this debt not be made to me at my place of employment, the number is . I will attempt to begin payments when I am drawing a salary again. Sincerely, Shirley Smith The Customer

Complaint: I have made all my payments on time and for an amount larger than the minimum. My interest has gone from 14% to 25% for nothing except that my credit available is almost zero due to this credit crunch. I still make my payments, despite the ripoff, and want to know how I can fight! I've already called the credit card company...for nothing. They won't raise the limit, they won't reduce the interest.

Complaint: The Capitalone mailed several times to me saying that they charge no annual fee for preapproved application for a credit card. I accepted it and got a new card. The troubles come. They charged $0.09 for each $100 purchase for the first month. I called them and told them I did not enter any protection plans and asked them if there are any hidden fees, and without my consent they cannot charge anything. They said they understand and won't happen again. But then next month, they charge $5.99 for some plans again without notifying or asking for my consent. They are making authorized transactions. But they are the c! ard company. How horrible they are! We complained disputed transactions to card companies. But now they invent disputed transactions themselves. Where can we complain to? Are they thieves?

Complaint: I was on a vacation had auto pay for my credit cards. I missed one my Capital One card. They charged me a $39 Late Fee and on the same statement they charged me a $20 Membership Fee for what I don't know. The Late Fee and the Membership Fee then put my balance over my limit so they charge me a $39 Over Limit Fee. So I've been charged $100 in fees. When I called and got somebody from India, I asked to speak to a supervisor, another India. I argued with him on these fees. He said he could take off the Late Fee. I said thanks, but now how about the Over Limit fee and the Membership fee? A! nd asked exactly what am I a member for and what do I get for my $20? He said it was to maintain the account and for rental cars, etc. I said I don't want that and don't need it and began to get loud. He then hung up on me. I was ultra furious. I immediately posted a complaint with the BBB.

Complaint: Customer service representative contacted me on Sunday evening about 6:30 p.m. Obvious from conversation and difficulty understanding service rep that call came from overseas satellite office. It's frustrating enough to fall one month behind in payment, especially when the fees tacked on are in the range of $60, but to have to attempt to carry on a conversation with a person whose first spoken language is not english makes the ordeal even worse. Frankly, I don't even know what the service rep said. I understood, "...check by phone." Capital One ... what's in your wallet? Well, not Capital One any more.

Complaint: September 8 : I received an offer for 0% a Capital One credit card with 3% balance transfer fee. In the fine print it said that if the balance was paid off in 60 days the balance transfer fee would be waived. I called Capital One and applied for the card. I received the card and transferred the balance from Chase to Capital One on 9/17. I confirmed the terms and the waiver of the transfer fee if paid off in 60 days with customer service rep #VNM232. Unbeknownst to me they never made the transfer because of an oversight or mistake on someone's part. Sept 26 I received an offer from Chase for a 0% credit card, with no balance transfer fee, and decided to pay off the Capital One card (which I thought had a $19,000 balance on it) with a balance transfer from the Capitol One card to a new Chase 0% card with no balance transfer fee. Chase sent Capital One $19,000 on 9/29….however because Capital One had never made the initial transfer, they, Capital One, took the $19,000 and applied it as a credit balance. Now I had the $19,000 balance on my original Chase card still owing, a new Chase card showing a $19,000 balance, and a Capital One card with a $19,000 credit balance. On October 1, having discovered that Capital One had never made the balance transfer as I requested on 9/17, but was showing a credit balance of $19,000, I called and after several hours and many transfers from one representative to another, I spoke with a supervisor named Bissett #CW219. She seemed to understand the sequence of events and apologized and told me that she would straighten the whole mess out. She said that she would send the $19,000 back to Chase to pay off the first Chase card as they should have done on 9/17, she also told me that she would pay Chase for the interest that I had accrued on the account from the time the balance transfer was supposed to have been made (which I am now told was against company procedure), and that no balance transfer fee would apply since the balance transfer had not been made in the first place. I now have received a statement from Capital One showing a balance transfer fee of $570.00, plus late fees and interest charges, for a total of $620.48. Talk about adding insult to injury. They didn’t make the balance transfer in the first place, they took $19,000 from Chase as payment on an account which had no outstanding balance, and now are charging me a balance transfer fee to send it back. I have called and spent several more frustrating hours on the phone being transferred back and forth, to no avail. I just spoke to a supervisor (Cheryl #OZO896) who told me that there was no one else at the company who could help me…..basically I hit a dead end. Unfortunately, I do not have the paperwork from the original offer from Capital One stating that the balance transfer fee would be waived if paid in 60 day, and the last supervisor that I talked to (Cheryl) said that there was no way to access those records, no way to get a copy of the offer that I received (which is ridiculous…..they don’t have a record of their offer?), and no way to contact the original supervisor who helped me even though I have her name and employee number. In any event, they did not make the balance transfer anyway, and what they are calling a balance transfer is when they had to send the $19,000 credit balance back to Chase. The entire mess started with Capitol One not making that initial balance transfer and now they are trying to charge me $620.48 for correcting their mistake………

Complaint: I have been trying to close a Capital One credit card since 10/2008. It is now 1/2009. Two companies, "Credit Diagnosis" and "Your Savings" have been fraudulently billing this credit card account since 9/2008. I spoke with the fraud department in 10/2008. I was told by a rep that since these charges were not made by me, they could block future charges. This did not work - I continued to receive the charges. I called again and asked to CANCEL my credit card. I was told I could not cancel my card as it had a balance. This balance was from the above fraudulent charges, which at that point Capital One was crediting back to my account. I was told that my account would be canceled and a new account number would be issued - and that this should stop the problem. A month later, charges from both of these companies continued to appear on my statement - even with the new account number - which I was never even given! I called again and asked to have this account canceled. By phone I paid for two charges I had made and was told that once these charges were paid, my account would be at a zero balance - and the account would be closed. Surprise - this month I received a statement from Capital one, showing a new balance. Apparently the company who had fraudulently billed me the past, sent a credit to Capital one. So, Capital one reversed a credit they had given me - and considered it an old charge - and slapped me with a finance charge. I spoke to a rep today 1/3/09 - and was told if I paid the entire balance (which I did today)- by Tuesday 1/6/08 - I could call and REQUEST the account be canceled. I refused to pay the finance charge, which he said would be refunded back to me, as long as i made the phone call by Tuesday. In the meantime, if "Credit Diagnosis" or "Your Savings" manages to charge my account, I will be back at square one. Today I filed a complaint with the CA Attorney General's Office, as well as the Federal Trade Commission. I have wasted over six hours of my time on a credit card I have personally used less than ten times. Please, do not be tempted by the mileage program. This company is very difficult to deal with - and I am a good customer - with excellent credit!

Complaint: I have a complaint aganist Capital One. I knew that I was going to be experiencing some trouble paying the bill due to my 2 year old son having surgery and other medical issues, so I called Cap One and spoke to a representative in their Hardship Dept to make arragements on my account. They assured me that if I make 3 payments of $144.00 then my account would remain open. I went to check my account online today only to find out that it is restricted. I called and spoke to a rep. and they told me that my account was closed permanently. Any company that would mislead a customer like that especially in the situt! ion doesnt deserve to be around

Complaint: I'v been a capital one card holder since 2002. Just recently I bruntly recieved a letter stating that my credit card has been suspended for non usage of 13 months. I then contacted them to take the suspension off so I could use it and I was bruntly told NO. My other credit card companies would send me a letter stating to use the card or it will close. NOT CAPITAL ONE- they send you a letter of suspension without giving one a chance to use the card. BEWARE people. Do not get a capital one credit card. They are very inconsiderate with their customers. For those who have one, GOOD LUCK.

Complaint: I had not used my Capital One credit card for several years because Chase offered a more attractive cashback rebate. Then last month Capital One sent letters begging me to come back. So I did--even got one of those personalized Image Cards--but needed to find out if my account was set up to automatically pay itself each month from my checking account, just as Chase did. I sent a "secure message" from their web site on 14DEC2008. The web site promises a "full business day" to respond. Nothing. Around 21DEC suddenly a status update appeared--backdated to 18DEC, oddly enough. All it said was that they had forwarded my message to the appropriate party. It's now 05JAN2009, 22 days later, and still not a peep from Capital One. It's a secure message from their own web site, so they have every possible bit of information they need to answer my question. And, frankly, it's very simple question: Is my account set up for auto-pay? (Why I can't get that information on my own from the web site is beyond me.) So much for wanting my business back. Capital One won't even let me send them money! I just want to pay my bill. Bye bye Capital One. I'm headed back to Chase. Same rebate, although no Image Card. Whoopdidoo. Chase customer service has been stellar for years. I miss that now.

Complaint: captail one keeps sending mail to my home add demanding money for someone who lived at my add two years ago ,they also keep phoning me bewteen 6/8 times aday after sevel complaint and letter they are still doing this up to 9pm at night even when i found out my mum was dying they still kept doing this,on the day my mum died they called me 9 times even after i explaned that my mum had just died they still called me six times more that night and are still sending letter.when i asked to speak to a manager they refuse,so if any one from captail one is reading this you should be a shamed that you wor! k for a company that is hassing someone whos mum has just died ,and get the fucking mess the person has not live at my add for two years so fuck off pesting me.

Complaint: Yesterday I noticed on my credit card statement that I was being charged 23.99 % interest on my balance. I called to as why and was told that it was because I was late on my 12/23/08 payment. I was also charged a $39 late fee. They waived the late fee and transfered me to someone else, who told me they had no plans to offer that would give me a lower rate. I was late due to an oversight on my wife's part, but was a 7 year cardholder with no previous history, but that didn't count for any consideration. I told them that they would lose me as a customer.

Complaint: I have been a long time customer and loved Capital One. They just recently decided to jack up my rate from 6.9% to 15.9%. WTF!!! I have never had a late payment. I would understand if they said my rate would be 15.9% on new purchases but how can they raise it over 100% on existing charges. I had to opt out because I had only 2 choices. One ding my credit for canceling a card that I have had for a long time or two ding my credit for not being able to pay my bill because my required payment skyrocketed.

Complaint: I have a Business card with Capital One and a personal card, each card has low credit limits of $1500.00 and $1800.00 respectfully. The first card has a low interst rate of 6.99% and I ALWAYS paid when it came in they would ask for $20.00 I paid $150.00, well within my credit limit under 20% of total and I got slammed this week with an increase of 13.99%, variable rate for no reason-they said because of the economy. EXCUSE ME if this is how you treat a good costumer who always pays on time more than asked for how do you treat a bad costumer?? I guess it is my choice not to do business with them anymore and reque! st my senator and congressmen investigate their banking practices. I think as tax payers we should be charging them 13.99% variable interest on their recent banking bail out! Wouldn't they rather have a customer who pays on time and is in good standing with a lower interst rate-than no customer at all if times are so tough for them? Did we give them so much money during the bail out that they don't need my business or other people like me? I'm angry when are people going to stand up for us-don't we have rights!

Complaint: I've had a card with Capital One for about five years. During that time, I've never been late on a payment, or ever gone over my limit. After losing my job a few years ago, I did get close to that limit. I'm now (hopefully) caught up, and I've stopped using the card, and I'm trying to pay it down. I'm making more than the minimum payment each month. I just received a notice that they were raising my rate from 12.9% to 17.9%, unless I closed my account by April 2009. I'd get an "introductory" rate until next March, equalling my current rate. I've sent them numerous letters! , and have received no response on the reason for the interest increase. The only reason they gave was "Due to extraordinary changes in the economic environment, we're reviewing our existing credit card accounts....." I get angry every time I see their ads on TV telling about how wonderful they are for consumers. They are full of greed, and are part of the reason the economy is in the state it's in today.

Complaint: Back in October i applied for a secured capital one visa card ( because of some past trouble i had this was a good way to restablish my credit).. i received a letter on oct 11 saying i had been approved, and to send a cheque in any amount over 300 and my account would be opened... i actually left the letter in a drawer and forgot about it until 3 weeks ago, so i sent a bank draft for $500 to them... i called them the other day as to the status of m account, and they told me there was no such account. i gave them the reference number right off the original letter, and after talking to 3 different people it was determined tha! t the account had lapsed.apparently the offer expires in 90 days...No where on the letter did it say it had an expiry date.. i then asked about my bank draft, and they had no record of receiving it.. so i went to the bank to put a stop payment on it, and the bank told me it had alreaday been cashed.. i called back capital one, and very rudly i was told that because the offered had expired there was no way it could have been cashed.. in the meantime i had sent them faxes , front and back of the money order, with all of their deposit stamps on the back etc, and everytime i call they say , well we are unable to read a certain number,so i have faxed it sereral times.. i asked what their address was so that i could mail them the copy, but they are not allowed to give out an address... so as of right now its still up in the air, going around and around.. i would have waited til the problem was resolved but found this web site and wanted to vent ...

Complaint: To make a long story short my estranged mother took out a card in both our names and I found out about it five years later (9-2008) when I bought a house. After failed phone call attempts I sent a letter to Capital One informing them that this card was taken out without my knowledge and I would like to place a freeze on the account. And ofcourse I included my address and phone number in the letter in case I needed to be contacted. A few weeks letter I received past bills as I requested. Then five months later (4-15-09) I received a noticed addressed to my mother(no where was my name mentioned) and it informed her that her capital one card was now 120 days past due and is in collections. I called and spoke with capital one (who were rude, threatening & unhelpful) and I came to the conclusion that I would pay the balance to make it go away. I then ordered my credit report which was now reporting the card as delinquent and my score was 40 points lower. Now for the next 7 years I will have to have this on my credit report. What really angers me beyond belief is the fact that I provided Capital One with my contact information and I was never once contacted about the delinquent account. If something is affecting my credit am I wrong when I say it is that institutions obligation to inform the individual? I have just sent out 2 letters to the company insisting they have this delinquent account removed from my credit report, but why do I have the feeling that I wont even get a response a from the criminals. I just absolutely despise Capital One. Please include me in any lawsuit against this atrocious company! I am sure my rights were violated when they failed to notify me of the delinquent account, I just don’t know what my rights are regarding the creditors obligation to notify card holder of past due account? Someone please help me!

Complaint: THIS COMPANY HAS RIPPED ME OFF FOR A $59.00 MEMBERSHIP FEE FOR OVER 6 YEARS FOR THE PRIVILEGE OF HAVING A $500.00 CREDIT CARD LIMIT. I HAVE NEVER BEEN ABLE TO GET THIS BALANCE UNDER $400.00 BECAUSE THEY KEEP ADDING FEES EVERYTHING I GET CLOSE. PLEASE PLEASE PLEASE DO NOT EVER DO BUSINESS WITH THIS COMPANY. IT IS THE WORST OF THE WORST. I TRIED TO CLOSE THE ACCOUNT BUT THE MEMBERSHIP FEES WILL CONTINUE AS LONG AS I HAVE A BALANCE. I HAVE FINALLY DECIDED TO PAY MY RENT LATE AND GIVE THESE BLOOD SUCKERS THE TOTAL AMOUNT OF MONEY THEY SAY I OWE THEM ASAP. PLEASE LEARN FROM MY MISTAKE AND NEVER EVER GET ANOTHER CREDIT CARD ! FROM THIS COMPANY THAT HAS EVERY CUSTOMER SERVICE PERSON IN INDIA AND BELIZE. THEY HAVE A SCRIPT THEY STICK TO NO MATTER WHAT YOU ARE CALLING ABOUT AND NEVER GIVE THE CUSTOMER A CREDIT FOR ANYTHING. ONCE AGAIN, I BEG YOU, DON'T USE THIS COMPANY FOR ANYTHING THING. DO NOT BE FOOLED BY THE "BEAUTIFUL" COMMERICALS THEY RUN DURING YOUR FAVORITE TV SHOWS. YOU WILL LIVE TO REGRET IT. I KNOW THAT I HAVE AND I DON'T BELIEVE I AM THE ONLY ONE THEY HAVE TREATED THIS WAY. FOR THOSE OF YOU THAT HAVE PROBLEMS WITH CHASE BE GLAD YOU AREN'T DEALING WITH CAPITALONE. THEY ARE HORRIBLE.

Complaint: WAS: 7.9% fixed for purchased and cash advances..... NOW: 17.9% & 24.9% respectively. Card carrier for 9+ years with SIGNIFICANT savings in their direct banking and a $15K limit. BLAH, BLAH, BLAH, one of seven companies that have to change terms to accomodate the current credit situation. Couldn't close my account fast enough after getting their mailing this afternoon. Lots of accolades and praise for my good credit standing, blah, blah, blah. Sorry to lose you as a customer, blah, blah, blah. AND IT'S ONLY going to get worse with the crap Obama is pulling today. Grab your cheeks folks, c! ause it's gonna hurt and get much worse.

Complaint: This credit card company is the worst I've ever worked with. They raise rates indiscriminately, apply late charges when received on the due date but not posted by themselves. I canceled the card and recently accidentally sent them a payment due to another credit card company. When I called "customer service" I was told that they'll send me my credit balance after two billing cycles - as stated in the cancellation agreement. So if we're late a day they charge ridiculous late fees and when they owe us money they hold it for two to three months before returning it. Awful.

Complaint: After moving all my balances and using this credit card exclusively because of the 7.9 rate I was given, they have notified me that my transaction fee will be raised to 17.9. I have no say in this. I have never been late and always paid much more than the required payment. After talking to someone from "India" who could only read off of a card I was informed that any special balance transfers are locked into the rate but all purchases(new and prior) will be raised. When I make a payment, it applies to the lowest rates first so unless I can pay this off the purchases I made at the "low rate" will now be surcharged.! I think this is fraud and I would join in any class action suit against them.

Complaint: These people charge 59.00 for their fees that they don't tell you about also 40.00 a month in intrest when they advertise 12% per year in interest rate and also 30.00 a month in over the limit fees when your not over the limit these people should be stopped thanks

Complaint: I've been paying my account on time with no late payments or over the limit charges and I look at my statement this month and I noticed that my cash advance rate has been raised to a whopping 24.90% and when I CALL TO question them about it and to have it reduced, I am told there's nothing that can be done and it was raised because of economic reasons. I feel this is a big rip off and would like to know legally what can I do?

Complaint: I have been a Capital One card holder for over 10 years. My interest rate has been around 9% and I just got my credit card bill and they increased it to 18%. I have talked to several Capital One representatives about this and their response has been that they are within their legal rights to raise the interest rate. One representative told me if I didn't like it I should pay the balance off every month. I have been out of work for 4 years and always paid my balance in full in the past when I worked full time. This is just WRONG!

Complaint: For several years we had a Capital One card with a 4.99 % interest "for life" which was what their offer said when we applied(around '97 or '98). We never! went over our limit and were never! late with a payment. Then out of the blue in 2006 we receive a letter that says our new rate is 9.99%.I called to complain and was told "We just can't operate at that rate(4.99%) so we are raising your rate". I told them that wouldn't do and would transfer my balance to another card,to which they replied "we can give you 8.99%".To which I said okay.Now in 2009 we get another letter saying that our rate will be 19.99% starting august! 1st. How is this able to happen? Who can I complain to? We are definitely transferring our balance to another card , but there should be a government agency that watches lending practices like this.Our original agreement stated that they wouldn't raise our rates unless we went over the limit or were late more than twice with a payment.

Complaint: I make a monthly payment before the due date. I made a payment a day earlier than I normally due and when I went to make my current payment, my statement said I had been charged a late fee. I called the company to inquire why I had a late fee. After talking to two different people I was informed that I had paid to early so the computer thought that my payment was being made for the prior month and late at that so I was charged a late fee. I was told that the late fee would be credited toward my account the following statement. I said that was unacceptable since I was still out the late! fee which I still have to pay because they cannot change the bill. Crediting my account with the late fee amount does not reduce my immediate payment. So by doing a good thing, I am penalized. I told them to issue me a check for the late fee and Ii would gladly pay them with that. They laughed. I am not laughing.

Complaint: I received my statement last night and was astonished to see they raised my APR to 17.9% from 9.9%. When I called to find out I was informed that a letter had been sent with the option of accepting or declining the change and since I did not respond they raised my rate.I have never been late on a payment for over 10 years and always pay more than the minimum due. This card has been used fro balance transfers so there is generally an amount due on the account. I thought our wonderful govrnment put a stop to this practice?

Complaint: Hi everyone; I was like you folks, being ripped by this company, I have finaly had it, and turned them over to the FTC also the Michigan State Attorney Generals office, I have a type of cancer and do not know if If I will ever live to see if they get what they deserve or not, but I am a fighter and have made it this far, my advice to anyone that has been taken by capital one is fight them and do whatever it takes to get them straightened out, they are being investigated and the more complaints we as consumers make, the more investigation.It is just not right that we as consumers and taxpayers should fo! ot the bills for these crooked companys, it is enough that we have to bailout banks and the like because of crooked people that run the companys we have to draw a line some where, I hope that a lawyer somewhere smells the money from a good class action law suite even if we don't get any of the money back it would be a good thing to see this company go under and never come back up for air. Good Luck to all involved!

Complaint: I have had a credit card with Capital One for 10 years. Never late, Never paid minimum payment. Spent loads of bucks over the years. They just raised my interest rate by 3.9%. They told me on the phone that they raised it not because there was anything wrong with my account, but, that they had made a "business decision due to economic circumstances". They refused to budge so I canceled my card insurance. They are getting around $5 more in interest payments on current balance but they are losing $13 in insurance payments. They lose, and they got the card back in 10 pieces.

Complaint: I paid off the credit card, and was surprised to get another statement for $5.85 When I called to ask specifics, "Adrian" at the "customer service" number was unable to describe what the charge was for. Was it a finance charge? Was it interest? Could she explain where, on the statement or customer agreement this charge was described? NO. To comply with FTC consumer credit rules, I sent, in writing, (within the 60 day required period) a request for a description of the charge. No reply from Capital One. I received, instead, a late fee of $29.00 and a threat of collection. I replied, in writing, tha! t Capital One was now in violation of the law, and that if they expected me to pay the $5.85, I still wanted to know what it was for, and would not pay any late fees. Capital One sent form letter, telling me that as my account was now delinquent, they were unable to assist me. That I should call their customer service department and speak to them. I reminded Capital One IN WRITING that they had still not addressed my query of charges.That my rights were only protected if I responded in WRITING, so why would I call them? I then received another statement, was billed another late fee, and received another nonresponsive form letter. August 29 will be 90 days after the first written query and dispute.

Complaint: I contacted Capital One to close my credit card. I was told that the interest rate was going to double on the next statement. When I told them I had no notification of the change, they told me they mailed out a letter with the change. I did not receive a letter. I do my banking online. I went to my online page and printed out the statements for the past 4 months and there was nothing on the statements stating a "Change of Terms." I then called them back and told them again that I did not receive anything in the mail and checking my statements there was no information regarding a change of terms. I then pro! ceeded to close my credit card account. I don't see how they can change anything without letting me know. Sending a letter through the USPS is iffy at any time. I don't trust the USPS to receive my mail, that is why I set up online statements for all of my banks, etc. I did report this to the BBB and the FTC.

Complaint: Capital One more than doubled my interest rate without notice. They claimed to have sent a notice but I know they did not - I look for these things carefully. They refused to honor my request to close the account and reset the interest rate because I hadn't returned the required "letter" in time. They are evil and should be shut down.

Complaint: The card company will not send statements, when I try to access it online it says the account is restricted. I have requestred statement everytime I have called or talked to them. I had a $500 limit that somehow went to $630 from late charges, I paid the extra to bring it to $500 again and 2 months later they called and said I owe $630 again, The phone person would not listen about asking for statements and said I should have just paid something. Then she started yelling at me about being irresponsible. When I yelled back that how am I suppose to know how to pay I was discon! nected and now I am on a blacklist where I have to wait 30 mins to talk to a specialist then a person comes on and the background music is still playing then they hang up. This has happened at least twice now.

Complaint: I took advantage of Capital One's special offer for 0% interest for 1 year with 2% fee. Before doing that, I paid the balance of whatever purchases I made 8/22 which is a Saturday, (and apparently after 1 or 3 pm Eastern time). Since the payment was made and was accepted by the credit card company on the same day (just not posted yet), I requeted the balance transfer in the afternoon of Sunday 8/23. Per CapitalOne, the balance transfer could take up to 1 week to be approved, and actually the payoff was made a few days later. WELL, what do I know? My payment of! $34.67 was posted at the end of the business day, Monday, 08/24 and the balance transfer they put in on the same day Sunday 8/23. As a result, I am being charged a whopping 17.99% interest on the $34.67 and all my payments beginning September is now being credited to the 0% interest rate, even though I am paying more than the minimum requirement they are asking for. I've been a very good customer of CapitalOne and always pay on time. I was told that CapitalOne will credit this months' interest, but can only do that one time! This means that the $34.67 plus the interest every month that will be put on this will keep on going up and by the time I know it, I could be paying more on it that the balance transfer amount. WHAT A RIPOFF!!! Consumers BEWARE!!! Get rid of your CapitalOne credit cards before this happen to you. I closed my account and will shred all our cards on this company. That's one customer they lost for life and I will keep on telling my friends and business associate about this. I'm also filing a complaint against CapitalOne with the appropriate Consumer Agencies.

Complaint: On 10/21/08 I open a 0% interest for 1 year platinum credit card with Capitol One. I paid the minimum balance on the credit card until my October 2009 statement. On October 3rd I called the Capitol One customer service center and inquired when I needed to pay in order to avoid any finance charges and spoke with Sue. I was told that as long as I paid the bill in full before my due date on 10/28/09 I would have no finance charges. I paid my bill on 10/27/09 for the full amount over $4,000.00. When I received my November statement I had a finance charge of $31.79. I called and spoke with Madison. I explained my situation which was 1 year with 0% interest and Capitol One charging me interest prior to the year being up. She informed me that she would request a credit but I would still need to pay the bill because the credit would not be applied to my credit card until the next billing statement. I asked to speak with manager because I wanted to avoid making another payment for what I believed to be their error. I was transferred to Pinkie who proceeded to tell me that she would issue the credit but I was charged interest as of 10/1/09 even though the advertisement stated I wouldn't be charged interest for 1 year. Since I opened my account on 10/21/09 and they were charging me interest prior to that date I felt it was false advertising. Pinkie placed me on hold and when it was picked up next I was speaking to Pauline an account manager. I was not told I was being transferred. I explained the situation again to Pauline who was extremely rude, informed me that they are not allowed to issue credits for finance charges and she didn't know what I was talking about. When I told her about the two previous individuals I spoke with, Madison and Pinkie, she told me she didn't know them but I was misinformed. When I told her about opening my account and being charged finance charges prior to my 1 year date she informed me that in order to avoid finance charges I had to pay two consecutive bills in full which I had not done therefore I was charged and there was nothing she could do for me. I went back and read the disclosure for the 0% interest accounts and no where is it clearly stated that I must make two consecutive payments in full to avoid finance charges being charged prior to my 1 year. I believe this is shady business practices and I would discourage anyone from doing business with Capitol One. I have closed my account. I actually asked Pauline to do so in the same conversation where she informed me she didn't know those employees who transferred me and I wouldn't be receiving a credit because I didn't do what I was informed of on the back of my disclosure notice. Hopefully I will not have any additional problems with this company. I discourage any and every one from doing business with this company. They have very poor customer service relations and they have questionable business practices. It would seem they are notorious for unclear business practices and prey on individuals who are trying to rebuild their credit or are just starting out. There are better, more reputable companies out there. Providian and Citibank is just an example of a companies working for their customer not against them.

Complaint: without notification they changed my billing dates. they added days to billing cycle. my bill is paid in full and on time every month, but by them changing the billing dates it made my bill for the month higher by $3500. I have the money to pay for it but it wasn't budgeted for my business this way, what if I where someone that didn't have the extra money because they changed my dates. terrible business practice it is like they are trying to set you up to not be able to pay your bill in full.

Complaint: Beware of the shady practices of CAPITAL ONE. As they encourage you to use the on-line bill payment method and they also use it to deceive you. Also, they will not issue any kind of resolution proof to you, based on your conversations with one of their representatives. Recently I was over the limit on my account due to an automated charge. I spoke with a rep and paid what I was told I needed to get it under the limit and I was told that they would reverse the 39.00 fee as a courtesy. Well the reverse never happened and for 3 months I was over the limit. Capital One sends no flags to you concerning your account, even though they have your e-mail info. They have no indication on the web site that you're over the limit. They just keep asking for minimum payment like everything is fine. And why wouldn't they, they keep charging you $39.00 a month. Although however, at the bottom of the statement it does say over the limit fee $39.00. The problem is that I'm doing everything on-line and when you are on-line, paying your bill, nothing indicates you're over the limit. I have already closed one account with CAPITAL ONE as they have informed me twice that they are raising their interest rates due to the economy and recent changes in legislation. I guess I will be closing this account as well. Just another way for the Banks (credit card companies) to keep squeezing you for money. We need more legislation on credit card companies. They have simply become legal loan sharks. And now CAPITAL ONE has joined this group of financial gangsters.

Complaint: I had a Platinum Master Card, with a fairly good interest rate, beginning in July of 2005. Unlike many people who had $10,000 of unpaid debt on their credit card, I had no debt. It seems if you do that for 13 months, they will cancel your card with no notice. I think this is ridiculous. I suppose I'm too retro... I wanted the credit card as an emergency thing, not to constantly buy things I couldn't pay for. This used to be called prudent and wise. Now I'm being screwed.

Complaint: Recieved notice on current bill that my intrest rate will be increasing 10% next month. I called to opt out. Customer service said they sent me a letter in the mail in May 09, and I had until July 09 to opt out. I opted out of paper mail from Capital One years ago. All of the correspondence is online. I was unable to find this letter they sent me. Customer service states, they did not send an electronic copy. Odd... Why not?? Somewhat deceptive practice. Capital One has no proof I recieved the letter. I have no proof they sent it. From this, they are claiming they have a right to raise my intrest rate. I have had my card since 1999. No missed payments, No late payments. If I have to pay this intrest rate, I will default on the card. Captital One prefers this than lowering my intrest rate to a managealbe amount. I thought the taxpayer bailout was supposed to prevent this type of abuse/fraud from Credit Card Companys.