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CapitolOne Credit Cards Complaint - No Hassle No Honesty

Review by kfernandez on 2009-11-11
I have been a Capitolone credit card user for about a year. I have not only made every payment but I well exceeded the minimum payment by paying $100 every month. This past month I made my typical $100 payment and I wanted to pay more since I was almost done paying off my card. I guess the money in the bank was stilling pending and captiol one decided to tak eout the money then return it. I was charged 39$ dollars for a return fee, in addition to the $30 that was returned. I was not informed of this so when I went to check my statement online it said to call an 800 number. I called this number twice because after the first time I called to fix the issue nothing was changed.

So it turns out I was charged 5.99 for each call when the statement told me to call that. I forgot to mention I get carged amost $5 every month for payment protection. If it was really payment protection then I don't understand why I was charged so much. I almost had this card payed off I only owed $60 and then the somehow added almost $100 in fees. Thanks captiolone for those awesome hidden fees and for not telling me about it! I guess when you say no hassle you mean it, because its obviously benificially to you.

After I pay this card off I can garuantee you that I will never use this card again and I will ensure no one else I know uses it either.
Comments:2 Replies - Latest reply on 2009-11-12
Posted by goduke on 2009-11-12:
I'm not sure you understand what the payment protection plan is.
Posted by skelly39 on 2009-11-12:
Those fees aren't hidden. They are right there in your contract. If you didn't have the money to pay, and you paid anyway, the payment will be returned and they will charge you. Yes, it's a boatload of money, but they will do it because they can and because you let them.
And payment protection makes your minimum monthly payment if you are laid off, disabled or dead, not because you bounced a payment.

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