Capital One - Beware of the Annual Membership Fee
Customer Service and Supervisor - Complaint
I have had a Capital One card since 2003. I recently moved to a different town and received a forwarded bill from Capital One informing me that I owed a $39.00 membership fee by July 21st. I immediately contacted them to update my new mailing address and was informed that now since I did not pay my membership fee on time, I was now being charged a late fee!! I explained that I had just received the letter in the mail that day and that there was a post office delay due to my forwarding address, I also explained that I did not have a chance to update my new address yet but had a zero balance on the account so was not worried about it. Despite never having paid them late in the 10 years I had the card, they treated me very rude and unprofessional and told me I should have known my membership fee would be due. When I told them that I was a single parent and did not have the extra money to pay for fees I was told that there is nothing they can do to help me.
One supervisor hung up on me because she could not effectively justify the fees and her script did not have answers to my questions. I had asked her if she had a Capital One card with a yearly fee and if she felt that it was fair to make me pay a fee in addition to the interest I have paid over the years when I have used the card. They deducted $10 from the membership fee, but I still had to pay them $29.00 by phone to avoid getting a negative report to my credit bureau. I had told the Capital One representative that I was going to be voicing my horrible experience and cancelling the card she responded that it was my choice to do that but it wouldn't change my balance that was immediately due.
Unfortunately one of my other credit cards was recently bought out by Capital One and I am not happy. I am making this card my first priority to pay off and never ever do business with them again....ever.