Capital One
Reviews and Complaints

DO NOT do business with this company. Capital One should change their motto to ' Take what you can. Give nothin' back ! " We have been Capital One customers for over a decade. Until about two years ago all went well. We have superb credit scores and have NEVER been late on a payment. Our initial rate was 6.9%, but two years ago it suddenly jumped to 12.9%. No explaination other than they had the right to change terms. Today's statement shows a rate increase to 16.9%, again with no explaination other than " we have the right ..." This company expects me to keep my part of the agreement or they'll penalize me, but they can do as they damn well please. My choices are 1) Suck it up and bend over or 2) close the account and move on. SOME isn't enough---- they want ALL OR NOTHING. And nothing is exactly what they'll get.

Please, please don't fall for this or take out a loan at Cap One! Or at least check them out thoroughly on the web, they are even worse than I am experiencing; I fear the worst is yet to come. I am on disability for some years and my finances have gone down down down. Buying a different car than the very old one I had was pretty much a necessity due to my location and situation. However, I had pretty much given up due to my credit score and bad loans/scams that are around for people like me. But, I eventually found (or he found me) a smooth Saturn salesman (no, they are not "different" from any other dealer and their cars are just GM cars, like Chevy Cavaliers, etc, in new clothes) who seemed very sympathetic to my plight. I told him my loan requirements and payment limit. I also told him of my credit problems. He assured me that he could put me in a good demo on my terms. I had hope as I had believed what I had heard from uninformed Saturn owners who had no issues and Saturn had great PR until they were found out. I had no reason to believe I was totally being scammed, although of course I am skeptical of car salespeople (I have dealt with good ones, though). To make a very long and horrid story short, the only loan they could get for me was with Capital One and it was 72 mos at 18%! My former self would NEVER have ever done that but you had to be there and have what was done to me done to you, it was like confessing at the end of torture, although I do take full responsibility... I also did a quick new budget to see if I could handle it and I could, but I'd be car poor but what was new. I needed it for many, many reasons. I made the best decision I could at the time. Fast forward almost 3 years...incoming money reduced due to government cuts and increased Medicare costs, plus my own worsening health and needing more healthcare and medications. I was spending all my time juggling money to make the payments. Finally, I just could not make the payments anymore, it was a choice between food and healthcare or a car. I canceled my insurance, called Cap One and told them to come get it. There is no good public trans here and I am limited in walking/waiting in the heat; cabs are a joke, but I could hire private people to take me where I needed to go. Cheaper than this horrid car payment! Then I found out that Cap One would auction the car, at wholesale (although I have since read that our state law says they have to get as close to retail for it as they can), which, after a quick look at CraigsList, seemed like I'd owe $8k. I spent a month in hell without a car (I learned a lot, next time, if there is one, I will do it differently). Cap One didn't want my car, of course, they'd rather get more money from me in the end, I now realize. Their seeming understanding and "kindness" were only for loan sharking, which this loan already was. This went on for a few months and I got really behind. They finally made a plan for me to pay my back payments, which I would have to borrow (I had to make two payments a month) from a friend or get the best I could. I managed two months' worth but then of course I was in worse shape than before. So I figured it would get repossessed and I'd deal with it somehow, but the stress was incredible. I kept asking if there was any program for people like me, etc and they fed me little bits of info over the months; this issue could have been planned for and settled much sooner, and I'd not be in the position I am in now, but no, they wanted to get everything out of a sick, poor person they could. I was honest and forthcoming at all times and in constant communication. I heard of this "Hardship Program" little by little (first it sounded bad, and like it would not help me, then it started sounding better and better until I was told that my interest rate could go down to 1%! And my past due payments would be added to the end of the loan and my credit not affected (kind of the least of my worries at this point!). So I became hopeful. You have to understand how they kept me on a hook for so long, and how back and forth I went with keeping or not keeping the car, drove me nuts. Recently they turned me over to the Hardship dept. But also sent me a threatening letter that the total amt was due NOW. I finally got the Hardship offer of a modification to the loan (they do not refinance, or so they tell me, although I'm seeing on the web where they might, I have much more research to do). The offer was 16% interest, $1, 000 in back payments pushed to the end, to make me current, BUT, my term would be extended 18mos! The total monthly payment reduction would be only $50. Eeesh. Not good. After approval, they gave me NO time to decide. I did a very realistic budget and it was just not enough reduction. Plus, it was horrid! I'd wind up paying more in the end! I didn't want to do it if I couldn't maintain it, they might as well come and get it and I'd do what I could, stress and all be damned. I called my acct mgr and begged, pleaded, cried, etc, but no luck. I told her that I only needed a $60 further reduction (prefer interest reduction to higher term!) to make this all good for both of us. I know they don't want the car back. There is no way for them to get the remaining balance from me, but they can make my life more hellish than it already is and I'd likely have to get a lawyer. I see, from my research, that they will likely come after me with a vengeance, even knowing my circumstances and even tho I've almost paid off the orig loan by now, except in reality, very little was principle. I guess they think I'm hiding millions away in my mattress! I finally talked to her mgr, who was extremely rude (mind you I was almost suicidal at this point), she threatened me with revoking approval for the modification, and told me how GREAT they were for doing this for me and that I should be SO grateful to them! Hey, having paid enough to have almost paid off the orig loan, I'm not feeling like I am trying to badly screw anybody, esp with a loan like this (which should be outlawed, BTW). So, after that, I had a day to decide whether to take the modification or not, I had to get the paper in the Fed Ex as it was Fri. I needed more time to make a good decision. If I took the modification, they could repossess if I was ever 30 days late, no more back and forth like this time. If I didn't take it, I'd be sent to Collections and they might work out payments to make up my back payments, while still having to pay regular payment, which I couldn't afford, but they would not just take it after 30 days late, it would be like this time, more back and forth and silliness. Or repossession would be other option. I was in a box. I can make a little money and not lose my disability so I've been looking for work at home stuff; very hard, most are a scam, will take a while, esp with my issues. I asked her for a little more time. NO. So, today, I made the decision to take this modification, to buy me some time. I recently had enough of a windfall to probably be able to make the next payment, maybe two, depending what comes (you know how budgets can be!) AND get my meds and a small amt of food. Hopefully I can come up with at least $60, hopefully more, in ongoing additional income or charity until I can get out of this. It is a BAD BAD deal in the end. I will be very poor with no chance to save and in danger of the unexpected. I am SO close to the line. But Cap One would rather make MORE money from me, no matter what the consequences to me. This type of thing is what makes the poor poorer and stay poor. It is classless loan sharking and they are no better than the payday loan people down the street. Again, please read all the stuff you can find about them on the 'net before you do business, there are many problems with them, esp at the end of the loan and if you pay on the principle (they surely don't want THAT to happen!). If you get in trouble, do a lot of research to see what your remedies might be and know that no matter what Cap One says, they are a) not telling you everything you need to know, b) lying, c) only purpose is to make huge interest and they will do that in the guise of 'helping' you. And of course, I urge everyone not to take such loans. In hindsight, I wish I hadn't, although it could have worked out and you had to be there. If I was psychic and knew what I now know, I would have known for sure not to have taken the loan in the first place but I am not. Hindsight is great. To deal with Cap One is to dance with the devil for a long long time, unless you are very well fixed for money and tragedy stays away from your door. I have always hated credit and this is why. Your cushy life can be taken at any time. And for longer than your savings or retirement will last. I paid cash for last new car, and previous used car, in better times. And I truly advise you to save and do just that, esp in these uncertain times. You don't need that luxury car! You need only what you need, which is what I thought I was getting, and I was, but for the loan. All I can say is thank goodness I bought a looooooooooooooong bumper to bumper extended warranty, but I so far have not been able to afford the $100 deductible to get a couple small things fixed, which would be $200 probably. So if you do get under water on a loan, make sure you get a BUMPER TO BUMPER extended warranty, NOT a Drive Train warranty (it only covers a very few things, NOT your alternator or catalytic converter, etc. I hope my story helps someone.

It all began with travel plans for a trip to Australia. In discovering that my bank, Wells Fargo, charges "foreign transaction fees" in the use of their card abroad, I did some internet searching and discovered that "Capital One" was recommended for a travel credit card because they don't charge "foreign transaction fees" for purchases abroad. Being an individual against credit cards, I went against my better judgement and applied for a Capital One Card. Since I don't already have a credit card, they approved me on January 17th, 2011 for a "secured Master Card" requiring a $200 deposit. I went ahead and transferred from my bank $250 so that I would have that amount to use for foreign transactions. Not hearing from Capital One for a month and a half, I became concerned. Finally I get a letter from Capital One to my home address stating that they put a temporary hold on my Capital One Account to make sure no one is using my Capital one credit card without permission. However, Capital One had not yet sent me a card. I received phone calls from their “fraud” department requiring me to submit a utility bill to prove who I am. Since I'm about to embark upon a journey abroad, I was renting a room from a friend pre-travel. Since I did not have a utility bill, as it was all inclusive in my rent. The agent then said I had to send my bank statement or my W2 forms. Invasive? Certainly. That they needed my Bank Account Statement or W2 form was none of Capital One’s business. If they were giving me a loan that might be different, but a secured card is me giving them money to loan back to me. I thought this was ridiculous. I told the agent this, he agreed, but claimed it was their policy.
He then claimed I could circumvent this by driving to any bank, preferably where my bank is, and have them do a visual identity check. I had to leave early from work to do this before the bank closed. Wells Fargo said they would not do that for other banks. I called back the agent who then said if I faxed my drivers license, passport, and/or social security card, it would remove the hold and Capital One would send me the card. I drove an additional 10 miles to a fax outlet, paid them $3 to fax Capital One a copy of my passport, drivers license, and social security card. The next day, Capital One stated these documents were received, but were not worthy of identity proof. Really? A US Passport? Drivers license? Social security card? They then stated they required a bank statement or W2 form. I stated I only wanted this account because Capital One doesn’t charge foreign transaction fees, and I would be leaving soon for a trip to Australia. He said he found a “Chase bank” at 3306 Centennial Blvd in Colorado Springs who was willing to do a visual ID check. He even had a representative named “Krista” who said she would do it. So ONCE AGAIN, I leave work early, to drive 10 miles to this said bank, to make sure I arrive before the bank closes. The representative at Chase wasn’t informed that I did not have a bank account with Chase. Just like with Wells Fargo, they will not do a visual identity verification for another bank unless I was one of their clients. Again, Capital One had cost me “time away from work”, “expenses in gas and time driving, wear/tear on my vehicle, for useless trips. As this was the third trip they had caused me to drive when gas prices are at a stunning $3.30-3.50/gallon now? As my current rate of pay at the time was $26 an hour anyone could do the math to see that Capital One has already cost me more time than this card was worth.
Figuring if this is representative of the hassle that Capital One is going to give me in using their card, I don’t want the service. I told them to send me back my money. The representative said he didn’t know how and couldn’t. Really? Capital One representatives are not informed on how to do reversals? Send me back my money to the account it came from? If me, an average Joe can do it with credit card transactions I accept from clients through Quickbooks, I guarantee their agents could do it immediately. The agent suggested I dispute the charge with my bank to get my money back. I did this, and Capital One refused to release the funds as it is a valid authorized deduction. A couple of days later I receive the card stating I now owe “$29.00” for a membership fee. Really? Capital One charging me a membership fee for a service I cannot use? I call Capital One and they still state I cannot use the account or get a refund without sending my Bank Statement. I fax them my statement. It takes them 3 days to get back to me. I called their “Fraud” department. The Agent said they had received my bank statement, but my representative had to call me back to verify the account. On March 16th, I Faxed a letter to their office and mailed copies requesting full refund of money. I finally get in touch with them and on 3/17/11 I speak to their agent Shyr. She asks personal info again from me. She had the nerve to ask for my pin number for my debit card with Wells Fargo. Excuse me? She claims they cannot verify my bank information with Wells Fargo. She put me on hold for 20 minutes. Finally Capital One gets “Olivia” from Wells Fargo on the line. They warn me that the 3rd party on line exchanging sensitive information, I accepted for certain private information. Upon mentioning the claim # I did with Wells Fargo, Olivia ouldn’t pull up on her display, and then connected us 3-party with Chris at Wells Fargo claims. He notated the conversation and updated my claim. He was witness to “Shyr” stating they would return the money that day. I was put on hold for another 15 minutes while “Shyr” transferred me to “Kyle” of Capital One’s Retention / Account Closure department. He was very apologetic with my Capital One experience and said he submitted the transaction to refund my money. He stated it would take 5-7 business days to appear in my account. No refund was received by 3/28/11. So I contacted Capital One inquiring where is my money on 3/29/11. Agent "Joseph" said the previous Capital One representative should not have said 5 business days, For Joseph said it will take 2 billing cycles to return money. I told him this was not acceptable. Capital One had my money for over 45 days with no services delivered but hassle and waste of my time. I need my money back. I Told them I’m going to file complaints with state attorney office, Better Business Bureau, The Department of finance, etc. He promised that my funds would be returned electronically Friday at the latest on Monday that the account representatives are refunding my money now. On May 31st, I received a Refund check in the mail for $250. Relieved I Deposited it. I then receive on April 5th notice from my bank that Capital One put a stop payment on the refund check and now Capital One was charging me a return item fee. On 4/7/11 I called Capital One to find what was up. I spoke to Supervisor Lor and explained the situation – she said she doesn’t see a stop payment request so was investigating the matter. Nothing showing up in her computer. She took my direct deposit information and said she would get it straightened up but no action resulted by 4/21/11. Capital One has now stolen my money and has held it hostage for over three months and have not delivered product, services, only hassles and headaches. To all fellow travellers and individuals thinking about using Capital One - Avoid them at all costs. They are thieves. This article will be updated if and when action is taken to repair the damages done by Capital One - or if the fact that their action of holding my money hostage leaves me stranded while travelling abroad. I see a lawsuit in the making.

Thomas M. Baurley

On April 7 2011 I went to get my mail at home and was socked to find out that I got five (5) letter from Capital One, all letters were address to me and my address, after opening each letter I found the letter stating that Capital One was mailing out new credit cards with chips to those who did not have chip credit cards and I would have to activate it or them, after opening all envelopes I found myself with FIVE CREDIT CARDS!, I called Capital One to ask why they mailed me five (5) Credit cards and to my surprise they were OTHER PEOPLES CREDIT CARDS WITH THERE ACCOUNT BUT THE LETTER WAS TO MY NAME AND ADDRESS!.

They passed me along to the Fraud department where the representative took the info down, I asked why I was not sent my credit cards yet and if what happened to these people happened to me did FIVE PEOPLE GET MY CREDIT CARDS LIKE I GOT THERES !, and was my credit check for there info. I was not happy and very worried, the fraud representative said he can only pass me on to the accounting department to speak to a supervisor and that I would have to wait FIVE business days to get my new cards but I could not use my old card which did not expire yet. I advised him this was not far because this was CAPITAL ONES MISTAKE and I should not have to go though the hassle of this, the representative said he could not help me I would have to speak to the supervisor in the accounting department, he passed me along and I had to explain the situation all over again. WOW ! I advised him that any criminal minded person would have taken advantage of this and Capital One would not know and the customer would not know either until it was to late, the supervisor told me he was pleased that I call it in and thank me I asked if he would do something for me since I was honest enough to call and REPORT THERE BIG MISTAKE!, the supervisor told me all he could do was put a rush on the delivery on my card...BIG DEAL THEY SHOULD HAVE DONE THAT B4!. I advised that I could go to the media to and let them know what DUM MISTAKE THIS WAS ON CAPITAL ONE MASTER CARDS PART this was. The so called supervisor seem to be grateful but would not do anything to help me, really. I advised him this kind of mis halfe should never happened ...I mean if they mailed me one (1) by mistake it is understandable BUT FIVE (5)< credit cards..WOW. So now when you see the commercial for Capital One and it says " what is in your wallet?" One can say someone elses Credit card thanks to Capital One...

I received a capital one gold card with a limit of $500 (red flag number one) a gold card set at $500 anyways I got my first bill $487.00 paid $100.00 and everything was fine. Then my second bill $587 and I paid the bill off in FULL now get this they told me that I had no available credit and everything is on hold for 30 days because I paid more than my limit. I explained to them I paid my bill as a good person should but they didn't care. They even told me I should have only paid $400 and I said "really" and who would be responsibile for the interest on the unpaid balance and they said "I would" well needless to say I simply cancelled the card. Capital who promises to help your credit is nothing more then a money grab with no moral fibre. DO NOT GET A CAPITAL ONE CARD

I had a Capital One credit card. I started getting irritated with the company when I first paid off my card, and then was charged additional interest on my statement. I called them and said that interest keeps accruing unless you call them first and tell them when you are sending your check in and what the balance would be on the date the check should arrive. They took the interest off becauase they said I was a good customer. Then, they keep sending you their balance transfer checks pretty much weekly, then they called and left a message on my answering mine offering me a lower interest rate. The final straw was when I got a letter in the mail saying that I just couldn't cancel my account (I cut the card up and mailed it in along with a letter) because I had to send them more info including my SSN, DOB, phone number etc. I called them again and was transferred to a "supervisor." He made small talk and then said he wanted to make sure I understood their offers. I told him right offf the bat to close my account and hung up. What a bunch of overgreedy people this company employs. It'll be a cold day in hell again before these sheisters are in my wallet again.

capital one for years has been one of the worst credit card companies for predatory billing practices rate hikes and despicable collection practices and terrible customer service. also a guaranteed credit card through them the money to secure the card mysteriously disappears and now I see an articleby the head of the new consumer protection agency praising the ceo of capital one nigel for his understanding ### his company is one who created the banking mess and has caused severe financial turmoil in families in america. good advertising campaigns do not make a terrible company into a good company.

I cosigned on an auto loan for our son 2 1 / 2 years ago. He was layed off 2 months later. We have tried to help with the payments which are large but we had fallen behind and tried making arrangements with capital one. We thought we had made arrangements made twice and then we start getting the calls and i try to explain and of course they do not listen and so we make more arrangements and the whole thing starts over. We have repeatedly been lied to. Our son is back to work and we called capital one in january to make payment arrangements, i had them on speaker phone with our son and my husband listening, and made arrangements to have weekly payments taken out of my sons checking account since january and we paid the late fees that were due and now they are calling for late fees again.

I applied about a week ago for a Capital One Credit card when I received a pre-screened offer in the mail. I was approved and received my card in the mail today. I called and activated it and was told I could begin using the card immediately. I made two small purchases with no problem. As I attempted to make a third purchase at Verizon Wireless, the sales associate told me my card was declined. This struck me as odd, due to the fact I had only made $15.00 in purchases and my available limit was $300.00. I called Capital One and the account manager told me that a "Fraud Alert" had been put on my account. She then proceeded to tell me that in order for the Alert to be lifted from my account I needed to provide Capital One with copies of: My social security card, drivers license, birth certificate, proof of address and proof of income. I mean seriously, do these people do any kind of personal info check or verification BEFORE they issue someone a credit card? Unsatisfied with her answer, I called another account manager with Capital One, and was told the exact opposite of what the first person told me. Later in the evening I looked at my account online and found that there in fact was no sign of any security alert or fraud alert on my account. I tried to chat online with a rep. The rep that I chatted with apparently could only type one word per minute and told me that the info I provided him was incorrect and that he could not find any account associated with my social security number or address I provided him. Extremely pissed at this point, I called Capital One AGAIN and was told that my account was due to be closed because I had made " Too many inquiries about my account's status" and that " I was acting suspicious by asking those kind of questions about my account." I told the rep to close my account and take my name off of the mailing list. Furthermore, I will be closing my Capital One Bank account, as will my entire family. This company has got to be one of the most incompetent and unprofessional companies I have EVER dealt with in my life. They just bait people by sending them credit offers in the mail and issuing them credit cards only to deny them any use of those cards. And by them canceling my account it will undoubtably effect my credit score negatively. IF YOU GET AN OFFER FROM CAPITAL ONE, YOU'RE BETTER OFF BURNING IT, as you will save time and frustration.

Amazing how you have to opt out of not going over the limit. Ironic how I got capital one to build my credit and it has hurt is worse than ever! I lost my job and my limit was $1500. I went over by $2 and now I owe $3800+. They would only discuss a payment plan of $400 a month. If I couldn't pay $100 how am I suppose to pay $400. I felt like it was a pryamid scheme with them telling me to go ask family and friends. They said they would work with me and they didn't! I closed my card and am still getting fees. NEVER AGAIN! I will live on cash and everyone who wants me to take their bs credit can shove it! Capital One needs to take responsibility for the financial crisis in the US!

I have a platinum credit card with Capital One, A/N:[protected]. I have setup auto-pays through my checking account, JP Morgan Chase A/N making minimum payments through towards my capital one credit account. On 08-Feb-11, I got an email alert from Experian credit monitoring system that my account with capital one was 30 days due. I inquired with Capital One and was told that I didn't make a payment for the month of Jan and was past due over 30 days. They sent my account to collections and reported it to the credit bureaus without informing me or reaching out to me first. 1. Capital One did not inform me in time either through email alert nor attempted to contact me that I was late on my payment. In the past with capital one, I have received intimation of late payments even if it was 2-3 days past due. 2. My bank JP Morgan Chase paid the min. due in Jan but Capital One claims not to have received the payment on the due date and failed to intimate me though any correspondence except the generic monthly account statement with no red alerts in the subject or body of the email. 3. Capital One also has been charging me $15 towards credit protection, which they now claim will only cover me if I had lost a job and doesn't provide credit protection if there is a late payment. This is gross misrepresentation of the legal contract between us for wish I wish to sue them. 4. The customer service and the supervisor who came online were extremely rude and told me that they would not revoke the late fees nor communicate to the credit agencies that there was an error on their part. I plan to take legal action against them for not only misrepresenting (credit protection that does not work) but being responsible for jeopardizing my credit. Please take action at the earliest to prevent Capital One from cheating other consumers. Regards, Rahul Gill 091-[protected]

I have received a balance transfer offer from Capital One. I called and agreed on a balance transfer of about $8500 at 0% APR (no fees) until 7/30/2011. (I transferred another $2500 later.) It was July 2010. I later received the card and making the minimum payments to avoid any changes in the terms.
I now realize I was paying 14.99% APR. It is my mistake that I did not check the e-statements. I did not because I was not using the card for any purchases. When I opened the e- statement now, I found that I have been paying interest charges. I called the bank. They said the rate was 14.99% from the beginning. The senior account manager’s name is Darrell and is ID is PQN254.
I did not apply for a 14.99% card to transfer a balance from a lower-interest rate card. I want to eliminate the interest payments I have made or at least lower the payments. They say the only thing they can do is to lower by $50 out of about $800.

I have had several calls a day from this company but do not know why as I
do not have an account with them.

Don't ever get a credit card from them no matter how good it sounds. I filed for bankruptcy several years earlier, I was approved for a credit card with Capital One. I thought it would be a good way to reestablish my credit. I told them that under no curcumstances were they to extend my credit limit over $1, 000.00. Long story short and several years later, they kept increasing my limit. I did not use the extra money but there came a time that I was unemployed and homeless so I used a portion of the credit funds as a down payment and first two months rent. I paid them on time the minimum amount due for several months and they kept increasing my limit. When I was having trouble paying the minimum balance, I called to work out a payment plan with them till I got back on my feet. They out right refused to work with me. I went to managers managers manager but they still refused to work with me. I paid what I could and they killed me with charges and raised my interest rate so high that there would be no way I would ever get ahead. They wanted all or nothing and I told them that they will be getting nothing because I had no money to pay them. If I did I would have done so. I canceled my card and every month they charged me. The charge went up month after month for years. They had debt collectors galore after me. One even said they were a lawyer. I sent them copies of my income tax return, my bank account with a $2.00 balance, and explained that I was living in a barn. They continued to make offers to pay a lesser amount in full and all would be fine. After 5 or more years they finally stopped charging me. My balance went from $3500.00 to over $15, 000.00. All interest! Well my credit couldn't get any worse then it was and there was nothing I could do about it and eventually stopped stressing over it. I know several people that experienced a similar situation with them and are still being hounded from debt collectors. What's in your wallet? I'll bet it's not money and if you are smart you will cancel your card and burn it.

Late in 2010 Capital One were offering cash advance checks at zero percent APR for 12 months. I was buying land at the time and decided that this would help cash flow, decided to avail myself of the offer and wrote a check in the amount of $6, 000.
I was a little taken aback when I received the first statement which showed this transaction, because the $6, 000 amount was mixed in with the regular monthly transactions. I pay off the balance on this card in full, without fail EVERY month and my plan was to pay off my statement balances in full, plus $500 each month, so that by the time the 12 months had expired, the cash advance would be paid off - thus incurring no interest, just the $120 cash advance fee (which they only tell you about when you grill them on it).
The way this 0% APR transaction appeared on my credit card statement makes it somewhat complicated to figure out the exact amount payable each month, and this was further complicated by having made a double payment in error one month and then missing the due date in January. I clearly expected to pay a late fee and interest for the late January payment along with the transactions listed on my statement which was due on Feb 25th. I therefore included these amounts along with the total for January transactions.
when I received my March statement, I found that I had still been charged interest on the outstanding balance - which of course solely consisted of the remaining balance of the zero percent APR check!
I queried this with Capital One and at first was told that the reason for interest being charged was that it did not arrive in time to be credited on the February statement, even though the March statement clearly shows the credit to my account on the due date. I was told it would take 2 months to work itself out, but that I would be credited. I then asked the question "Well if it takes 2 months to work itself out, what happens next month when the interest still appears on my accoount and has not been paid? Surely that amount will be picked up again and further interest charged". I was put on hold.
I was then told by the representative that she had been wrong and that I WAS being billed for interest on the ENTIRE outstanding balance - which includes the outstanding balance of the zero per cent APR advance! So how can this be zero percent APR I asked?
I was then told that the only way I could avoid being charged interest on the zero percent APR portion was to pay off the entire balance of transactions to date and then not use the card again until I was ready to pay off the zero percent APR portion.
I asked to speak to a supervisor and got the same story.
I think anyone reading this will understand that by this time any normally honest and reasonable person -would have become apoplectic, seething angry and ready to tear someone's head off. What made it worse was being told that they could understand my frustration!
Sadly I succumbed to the power of invective - which didn't really make me feel too much better, so I am hoping that someone reading this can do something about the situation - which I consider to be a total rip off by a company which I had dealt with for nearly 10 years and almost without exception had always paid them the balance in full each month .
It has not cost me a great deal of money, but I feel they need to be brought to book for such shameful business practices - which according to my definition of the word I would consider to be fraudulent.

My capital one master card acct was suspended for suspected "fraud" within 30 mins of activating my card! Stay away from capital one credit card offers! When I recieved the card, I opened the card and called the # on the red label at the top of the mastercard. When I was connected with the capital one rep, who didn't speak a word of english, she sounded like a vampire! As I tried to activate my m/c, I to had to try and listen to their scam offers of protection, credit report crap, ect. As i, as well respectfully declined the offers, she continued to press their offers and would not let me off the phone! Just to get off the phone with this idiot, I did accept their offer for the protection. Finally, I was told that my card was activated. I then go straight to kroger to get gas and the the transaction was approved. Great! Then I went to make another purchase and it was declined? I called the # on the back of the card to find out why? Again, I got someone else that did not speak english and did not have a clue about what the hell was going on. I was then placed on hold for 20 mins and then just transferred with out even being told, to another cap one employee and was asked to verify all my info again, which I respectfully did. The rep never told me who he was or what his position was nor what dept I was transfered to. I had to request this information! And he then proceeds to ask me how he can assist me, knowing dawm well what the hell was going on! And had to tell the same story over word for word. His reply was "someone was out using my m/c making fraudulenty charges". Blown away by being told this information, I replied to him "this is impossible due to the fact that I had just activated the card and had the card in my possession and had indeed made the transaction myself". I was then told I had to fax in copies of utility bills, paycheck stubs and drivers license to prove my identity and then my m/c would be unblocled in 4 business days."(my issue is this!) ' why the hell did they ("approve ") the card (" mail ") it to me, (" activate ") it and ("then allow me to use it ") then block it and not request this information in their application before they approve it"?!?!?!?!?!?!) this is by far, "the most utterly, absurd and extremely unreasonable" bunch of bull crap I have ever had to deal with in my entire life. On every single one of their adds it states "capital one no hassle". Well, i'm sad to say that they if you deal with them they will be one big hassle! What it boils down to me "not agreeing" to purchase the insurance, monthly credit report, and fraud protection scams by placing those charges on my card and leave me no available credit! People listen! This is a group of crooks, not a professional credit card company at all! They are rude and their customer service sucks! And I am and will pass this around to everyone I know and don't know... Stay away from capital one credit card offers and thier banking institutions period! They are not worth your time!

capital one offered me overdraft protetion, but failed to inform me after a few months that it would run out.
They also were charging me which was only suppose to be a one time fee. After bringing these charges to their attention they apologized and only waived one of two charges. Now on my feburary statement my APR as went from 13.15% to 22.90% and my mimimum payment as gone from $15.00 to $17.00. I never was late and I would have not went over my limit if I had known that I would not be protected.

I bought a U.S. Army collectible watch from Vietnam-turned out to be a fake.Ebay would do nothing, PayPal would do nothing so since it was a fraud I figured I'd try disputing the charge. After I sent my facts in twice as told by the diputes people I got the the disputed claims manager & he said you keep sending in all this paperwork etc-yep that's what I questioned the staff about but was told to do it. After the manager got snooty I asked for his supervisoe which he said would do no good. I eventuallt talked to a nice lady and left a voice message for Mark of the Executive Response committee, who refunded the money but said if the seller came up with strong proof they would have to refund him but I would be told first.Feb/1/11 they took the money without notice and said it was mostly because I had not sent the item back(they had said not to in their letter) and now they want more proof it is a fake than before.I have filed a complaint with the omsbudman and the banking omsbudman but I don't think Capital One Canada wants paying customers, they want to help Vietnam prosper by selling fakes. Needless to say I have another card. Watch bought Oct/11/10 & still fighting with capital One. If you can avoid their credit cards because if you dispute a charge they put you through ***.

I have a CapitalOne Visa small business credit card for convenience. I wouldn't ever consider carrying a balance nor use the checks that they frequently send. I feel that existence of those checks is risking one's financial security because it is so easy for someone else to get their hands on them and use them for themselves.

Supposedly one can contact CapitalOne and have them stop sending the checks. I've done so 2x. Last time I asked them to discontinue was just before Christmas 2010. I was told it could take up to 30 days to stop.

Since that time I've received 4 or 5 sets of the checks with the last coming on Feb. 8 with the January Statement (way more than 30 days). I'd think that since security is involved, they'd chase after the same day's outgoing mail and intercept any checks and stop sending them immediately. But they don't. It's because CapitalOne hopes that someone will else will get and use the checks they send to you so they can charge you for the other person's use.

While they continue to put my finances at risk due to their behavior, they try to sell me service to protect against unauthorized use. They are clearly trying to suck $ from you in whatever unethical way they can. I imagine that their employees with a conscience have trouble sleeping at night.

I'd strongly recommend staying away from CapitalOne!