Capital One Consumer Reviews - Page 2

LAUREL, MARYLAND -- After I refinanced my mortgage I changed my auto-payment on the Chevy Chase Bank website to stop paying my mortgage automatically to Capital One (which owns Chevy Chase Bank) because I had refinanced with another lender. However, the "cancel payment" order apparently only applied to a single month, and a month later Capital One auto-deducted a payment of over $1,500.00 from my account. When I saw this deduction had taken place, I called Capital One two days later to tell them this payment had been made in error.

They said that although my checking account showed the deduction, they had no record that they had received the payment (electronically... between their checking division and mortgage division. No record). They said they couldn't resolve it until they showed it had been received. At the end of the week I called again. Now they said the payment had been processed on the day I called, AFTER I called and reported it was an error, but they would not refund it for ten business days because it was their policy to hold all funds for that amount of time before releasing them.

They said it did not matter that I had called before the payment was received, or that the account was closed; it was their policy to hold all funds for ten business days regardless and the money would be refunded to me by check in two weeks (ten business days plus weekends). On the Monday after the supposed "release date," I called to confirm that the check had been mailed. I was given a runaround and the woman kept telling me it was their policy to hold it for ten business days, and then it took the mail 3-5 days to arrive.

She kept repeating this over and over, even after I said multiple times that I understood that and all I wanted was for them to tell me it had been mailed. She said they showed no record of that, but that she would do research and call me back. Needless to say she didn't, so the next day I called back. This time I was told that not only had it not been mailed, but that only the previous day it had been sent to the cash department for processing.

I asked how this was possible because I had called twice before to discuss the problem with them and had been told each time, by multiple individuals, that the problem was on their records and that according to their policies it would be refunded on a specific date. I was told by the service person that she didn't know why, and that she had no time frame for the refund of my money, but that the process of refunding it had just begun the day before.

Now it's 19 days later and even though they have no account associated with these funds, no right or reason to hold it according to their own policies, they're holding it anyway, apparently because they can and won't tell me when or if I'll get it back. They're being bullies, in essence, just for the sake of it. The attitude is, "What are you going to do about it?" I could really use that $1,500, but no amount of calling and explaining or arguing with them is making them give it back. They don't want to, so they won't.

I've been a Chevy Chase Bank customer for over ten years and I actually refinanced that mortgage after they were bought by Capital One specifically because Capital One introduced a bunch of nasty, harassing policies relating to their mortgage division (in short: if I didn't pay by the first of the month, they called to harass me and ask "if you plan to pay your mortgage this month," even though I've never been late and always pay within the grace period, which is completely legal and fine).

I didn't want to do business with them anymore after that, but this is simply a nightmare-- I knew they were bad, but not THIS bad. I'd warn anybody reading this to stay far away from Chevy Chase Bank and Capital One. It's really been a learning experience for me about just how corrupt a bank can be.

I have lived at the same address for seven years. For reasons unknown they started sending my bill to the wrong address. They screwed up my cricket account as well. I have tried repeatedly over the phone to solve this matter. They are trying to charge me late fees and 28% interest. I told them to kiss my butt. I'm not paying anything until all the charges are removed and my name is cleared. Avoid the 'hassles' don't go near capital one!

The capital one collection office been calling my home and I have tried to explain it to them. Please convey the following non-negotiable conditions to them: I expect a letter from capital one acknowledging that they made a mistake and apologizing for all of the trouble they have cause me. Capital one will acknowledge in writing that I do not owe any interest or late fees for their bizarre uncalled for mistake. Capital one will send me written proof that they have cleared my good name with the credit reporting agencies.

If my credit rating is smeared by capital one I will not pay a single penny! (Frankly, I won't have any reason to. Once I'm ruined I might as well keep the $1,100 for trouble capital one has caused me. Think about it). If capital one wants to take me to court I will be happy to: file a countersuit for false and deceptive advertising as I'm sure any reasonable individual would agree I have certainly been hassled, a countersuit for wrongfully ruining my credit rating, contact the local tv station so that all of nashville can learn about the real capital one visa card.

I have never defaulted on a loan. I have never had a credit card lost or stolen and have made a lot of money for visa over the years and I refuse to be treated like garbage! (Cingular wireless breached their contract with me and never straightened it out). Please make capital one understand this. I have tried! I know the people who work for capital one are ethically and mentally challenged, but it's not rocket science. In fact, I am alleging deliberate fraud and am enclosing copies of letters to senators frist and alexander, the better business bureau, and the credit reporting agencies.

You know this is not an isolated incident as you have helped me rectify previous visa card extortion attempts. Thank you for your time and attention to this matter, **, I do appreciate it. P.S. This is getting to be too many headaches for both of us. From now on I am going to try to pay cash as often as possible. Unfortunately, credit cards are a necessity for travel or internet purchases. Perhaps there is more honor at amex, although I doubt it.

I have a short story to tell you. A story that I intend to relate only once so you may want to keep this correspondence on file for future reference. You'll see why as we progress here. Approximately two years ago this coming January 2006, I received an offer for your card. This was probably the fifth or sixth direct mail unrequested letter that I had received from Capital One in three months. This time instead of simply discarding the letter, I opened it and sent it back unsigned with a note that I did not care to apply for the card.

In a matter of thirty days I received a valid credit card with my name on it and a statement for $35.00. I cut up the card and threw the letter away. In approximately five months, this unauthorized card had gone from a card that I did not want to a $35.00 unpaid bill and sent to D&B for collection. Capital One had taken my account and imposed upon me a negative credit standing without me so much as even signing my name to any document or application.

Shortly after the D&B report showing the charge, I notice that a second person has been added to the account. The name Taum ** now frequently appears on the mail I receive from your idiots in your mail marketing. I failed to get your attention when I called the 800 number to have my name removed from your mailing list. I failed to get your attention when I wrote your company president and copied you last week.

Now the reason for keeping this letter on file. Obviously your marketing manager has a terrific budget for direct mail. We noticed that your return permit #** has an unlimited return authorization on it. That's good because to send me a letter in the future, it is going to cost Capital One more money and more time.

I have decided to copy the envelope titled “BUSINESS REPLY MAIL” along with the first class permit number ** and the mail code zip at the bottom of the envelope and use it for my “return mail” as intended. There is going to be one slight change in this procedure. I will attach this “postage will be paid by addressee” to a package containing some wood scrap from my woodshop. I think that probably a thirty seven inch length of 2X4 would suffice for the intended purpose.

Being over thirty six inches long and unbendable, the package(s) will require special handling by the USPS and your mail room. I think the weight will be around eight to 10 pounds each. This will place the cost at about $35 to $45 each for the first class postage. Quite an imposition on both the USPS and Capital One but it will give you some idea of the imposition you create on this end whenever you send me another unwanted application for a card that has one of the highest APR rates in the industry.

My friends also think this is a great example of how to treat unwanted trash mail. They suggested that I put the idea and this letter on the net so more people could participate in the program. We'll put it on every blog that is spidered by Google and Jeeves and all the others so that in about the next thirty days we could have (maybe) 30,000 people sending you some nice piles of expensive wood scrap. We will scan the prepaid reply envelope and attach it as a page for their copying convenience. Maybe this will get your attention. Signed, Pissed because you screwed with my credit rating without cause or authorization.

I had a "no fee" card from Capital One, which to me (and any other consumer I would think) means that there is no annual fee to carry their card. I contacted Capital One for a payoff balance and was given the amount. I informed them that I would be paying off the account and to cancel the account immediately. I was advised to put that in writing when I paid off the account and I did so. Next I get a statement in the mail from Capital One showing my payment in full and a new charge of an "annual fee" ($25) added to the account.

Mind you, I had a "no fee" card and had already notified them both IN WRITING and verbally that I wished the account to be closed. I contacted customer service regarding this charge and was told that it was a "mistake" on their part and that the account was indeed closed. I was told to "ignore" the charge. The next month I received another statement from Capital One - still showing the "annual fee" charge PLUS a LATE FEE of $25. By now, I am getting a little steamed - this is really poor customer service!

Again, I contacted customer service and was told that I did owe the "annual fee" as well as the late charge. I informed the person on the other end that I had cancelled the account 2 months ago and had a copy of the letter to prove it (thank goodness I keep these things). I was asked to fax it to Capital One which I immediately did. The next month I received still another statement - yep - you guessed it: still another late fee on top of it all. Fast forward a few months (with me calling AND faxing after each statement and getting the usual runaround) and the account which was paid off and closed is upward of $250.00.

Capital One then proceeded to turn me over to collections. I got a call from a collection agency and the woman was most friendly. I went through the entire story with her and she asked that I mail her all my paperwork and she would get back with me. I did so and about 2 months later, she called me. She had reviewed my paperwork and said I was definitely in the right and also mentioned that she "had seen Capital One do this to other customers." (Whoo-hoo - vindicated!) She said she would see what she could do and get back with me soon.

I waited 3 more weeks and when I didn't hear from her, I tried to call her myself. I was informed that that particular person was "no longer working on my account" and someone else had taken over. I couldn't believe it - I was going to have to start all over again!! However, I never did get another call from a collection agency - I DID get another statement from Capital One - WITH A ZERO BALANCE!! What happened? I don't know but as long as the account was cleared, I was glad. This whole incident took almost a year to clear up and it wasn't even my doing.

I will NEVER EVER do business with Capital One again and I have told everyone I know about this incident to let them know that Capital One tries to scam people. P.S. I recently got a solicitation from Capital One (can you believe the nerve??) credit card which I promptly sent right back to them in their very own postage paid envelope, mind you telling them I would NEVER EVER do business with their company and to remove me from all of their mailing lists. Knowing Capital One, they will probably ignore my request.

Most banks & credit unions have well established processes to address possible fraud being perpetuated against their customers -- especially phishing by con artists who target the institution's customers. Apparently, capital one does not & does not care. Recommendation: if you're a capital one customer, or thinking of becoming one, use their information and call as if you've got a fraud issue-- and see how you're treated, or would be if you did.

You can state right up front you're sampling their process & be totally honest about your situation -- but save that for when you actually get to the right person. Compare them with other banks. You'll experience a big difference. Guaranteed. My experience: I got two suspicious calls asking for personal info right up front and the reason why was unclear. So I hung up. After the second call my wife called me at work with a similar experience... so I called capital one based on the "bank" phone number provided at its website.

I explained the situation and was passed off a couple of time until I ended up right where I started. I called again, with similar results. I called the two convenient branches I frequent, again to no avail; the people there had no idea. One, however, informed me that the calls were "probably" associated with activating the new atm card they claimed they sent me, but I never received, to replace the card with "chevy chase" on it. As a security precaution they canceled all my atm cards!

But since that didn't explain all the calls-- if it did, why capital one didn't say right up front they were calling to activate a new atm card indicates very poor communication skills. Then, out of rising curiosity I called the following numbers and was referred as follows: 1-888-810-4013 (banking customer service number on cap one's website). The person there referred me to "security" which they assured me where there "24 hours"; based on the experience thus far I asked for the number in case the call got disconnected (blaming my phone for the likely problem).

I was told I was being referred to: **. That was never answered (and the call was not disconnected; the forwarding worked, such as it did). I tried 703-720-2500 which reaches capital one's corporate telephone operator and that person transferred me to the fraud department at ** and the person answering there claimed they did not even service (at the time I called, march 4, 2011) capital one! Maybe that capital one corporate telephone operator was trying to tell me something.

Bottom line: I was never able to contact anybody at capital one that could, or would, address the apparent problem -- that someone seemed to be targeting capital one customers via a focused, and persistent, phishing attack.

Benchmarks: I contacted my long standing credit union, insurer, and a couple of other local banks (one of who is my new bank post-capital one), all based on their website info and asked them the same question I tried to ask capital one. Every one of them was able to explain their process and it took exactly one phone call on my part to get to someone every time. Why would anyone want to do business with a bank that lets its customers fend for themselves? Maybe that's why they're saturation marketing with tv commercials using lunkheaded barbarians (at least in the northern Virginia area) they're targeting the market of dopes they can dupe?

I read somewhere that capital one is (early 2011) providing credit card accounts for higher risk customers than its competition (i.e. It's providing credit cards to those rejected by credit card providers) so, one would naturally expect more problems and it is in capital one's selfish self-interest to provide lousy service given a clientele that would be having above average problems.. Or put another way they may provide the same level of service, which would be diluted by increasing use by sub-tier customers.

MARYLAND -- I have two accounts with Capital One -- for clarity I will refer to them as Account A & Account B. About two weeks ago I used Online Bill Pay to set up some payments because I was traveling out of the country for an extended period. I inadvertently arranged for the funds to be withdrawn from Account A instead of Account B. There were insufficient funds in Account A to cover the payments but more than sufficient funds in Account B. My first indication of the error was when I received an email saying that the payments were not being honored.

I immediately logged into the account, saw the problem and corrected future payments to be taken from Account B. The problem was that in the meanwhile, Capital One had assessed $175.00 in fees against Account A. They paid one of the bills and returned the other 4. When I called Capital One, I explained my error and asked them to help me by waiving some of the fees. They agreed to waive $105.00 in fees. I was also told that the payments that had been rejected were going to be resubmitted into Account A and that I should ensure there were sufficient funds in that account to take care of those payments.

I immediately transferred from Account B into Account A WITHIN THE SAME BANK funds sufficient to take care of the overdraft (including the amount expected to be refunded) AND the payments that had been rejected. This conversation and transaction occurred between 11:30 and 12 noon on Thursday (8/26). So far so good. However, now being careful to monitor the situation, on Friday morning I logged into the accounts. To my surprise, an additional $140.00 in fees had been withdrawn from Account A (into which I had transferred funds the previous day)!

The fees were posted to the same date as the fees that had been visible during my call (8/25) and none of the payments had been made. When I again called Capital One, I was told that the fees had been already assessed but as I had had a negative balance they were not shown; once funds were deposited they were assessed against my account (A). The ledger (of which I have a copy) clearly showed where the negative balance changed to a positive balance on 8/25, but the actual posting of the transfer is correctly shown as 8/26.

I have the following issues with the lack of service provided by Capital One: A bank interested in providing service would, or should, have noted that there were sufficient funds in one account and not the other and acted accordingly. Whether that was to debit the correct account, to contact me about the discrepancy, or both, an assessment of fees under those circumstances would have been well earned. As it is the assessment of fees totaling $210.00 ($315.00 minus the $105.00 refunded) for an error on my part amounts to highway robbery.

There is something fundamentally dishonest about hiding some of the fees that were being assessed against my account because of the error, but then immediately posting AND withdrawing them once funds became available. I realize that much is automated these days, but the reason for my transfer of funds was to take care of the overdraft AND to cover the payments that had been submitted.

Automation means that the so-called "customer service representative" was able to know that the payments had already been submitted a second time, that there were additional fees being assessed as a result, and that payments into the account would be gobbled up by those fees. Her failure to disclose this information to me appears to have been reflective of bank policy and was dishonest.

This is why I feel that I have been lied to and ripped off by Capital One! Acquisition of Chevy Chase, with which my husband has banked for so many years, has changed what used to be an excellent bank into nothing but another uncaring and dishonest institution! I've added a clarification to address the following comments posted: The commenter said it is not the position of any financial institution of which he/she is aware to have in some way accommodated my error.

My point is that it should be. In fact, I have another account at a regional bank and I know for a fact that they would have withdrawn funds from one account to cover the overdraft -- for a fee but I don't mind paying for real service. The commenter questions whether the customer service associate was doing anything "fundamentally wrong" in not making sure that I knew of the extent to which these fees had accumulated, and further that there is no reason to believe the associate didn't already believe that I knew the full amount of the fees being discussed.

My response is that, in light of the conversation that I had with the representative, which extended for about 30 minutes, the representative knew or should have known this information and acted, perhaps according to bank policy but dishonestly from one individual to another. In fact, I believe I listed to her the fees that were posted at the time of our conversation. Furthermore, we also discussed how much I needed to transfer into the account to cover the overdraft fees and the outstanding payments. That would have been the opportune moment to tell me that there were other fees that were not visible to me on the account.

The only possible explanation that lets her, but not the bank off the hook, is that these fees were not visible to her either. To which I ask - why not? The commenter concluded that I should compliment, rather than complain about the bank's actions in having dropped $105.00 in fees. I acknowledge the bank's token actions and had the matter stopped there I would have had no complaint at all about its conduct.

POBOX 85870, VIRGINIA -- To make a long story, I've been a customer for years and have two accounts with them. Each month I would send one check payment for both of my accounts. On my check I would include both acct# numbers, and the dollar# amount for each account. I would also, include both payment slips indicating how to apply my payment. Well in, January of 2009 Capital One applied my check payment to just one of my accounts, not only that they applied my check as a digital payment. Which means the bank does not receive a copy of the front and back of your check. So the account where my payment was not posted to I got a late fee of $40.00 month after month.

I of course tried calling to explain what happened and that my payment was misapplied without success. To date I have been billed illegally $488.00 in late fees since Feb of 2009. Before then, my account was in good standing and current. Not to mention all the payments I have made the last year have not been applied to my balance, but to late fees in which I still getting every month to date on 3-29-10. Not to mention affecting my credit, higher interest rates.

I thought that one could only receive 4 or 5 late fee charges for the same occurrence anyway? Capital One has charged 12 late fee charges for the same occurrence? I continued making my regular monthly $40.00 payments- but Capital One did not apply my payments to my balance but to my late fees, which I'm still accruing every month. I've tried calling to get resolved with no success until I ended up having to file a complaint with the (Comptroller of The Currency) in Aug 2009, which is supposed to be the Watchdog for consumer with Bank Credit Card Complaints.

Truthfully, (Comptroller of The Currency) have not been much help either. They automatically accept the word of the rich Capital One Bank without reviewing the proof I had provided. I'm currently in an appeal status, we'll see what happens. Today, I received a letter from Capital One offering to give a partial credit $390.00 on my account. Stating, I still owe $151.00 dollars in late fees. I do not accept their offer.

I do not accept to pay what I do not owe-not to mention the $480.00 worth of payments I made within the last year not being applied to my balance. Not to mention my credit being scarred. Not to mention, my interest rate they jumped from 14.99% to 22.99. See my partial reply to Capital One Bank: How many other people have you done this too? I notice in your reply that you ignored my request for a copy of the Front & back of my paid check **, why? Because as I stated previously it will show how I requested my payments to be applied. Payments for account #** for $20.00 & #** for $26.00 was misapplied to only acct#**.

And as you mentioned #** payment slip shows a payment amount of $20.00, and on that same slip #** for $26.00 was written. You use the excuse, that because you LIE and state there was no payment slip for #**, that justifies you applying the full amount to # **. I have had these two accounts for years and have paid the same way with two payment slips. There was a second payment slip for #** which shows $26.00 on that same payment slip account #** for $20.00, which matches what is listed on the check.

But say, if it was true, which is not. That is absolutely no excuse for applying my payments to one account, when that payment slip tells you in writing how to apply my payment to the two separate accounts. And list on the payment slip the other account and the dollar to apply payment. Not to mention my check, that it's also in writing tells you how to apply my two payments on both accounts, not just one account.

WHAT YOU ARE DOING IS CRIMINAL- That you would continued to illegally bill me going on a year for late fees, when you have proof of my payment being received and on time. You refuse to admit you made a mistake and correct it! WELL, I REFUSE TO PAY MORE THAN I OWE AND I WILL FIGHT TO THE END. That means contacting and making complaints BBB, News Blogs, Consumer Agencies and spreading the word about your illegal billing practices!

In June 2007 I opened a Cap 1 rewards money market account and transferred funds into it electronically from my credit union. I subsequently set up an automatic monthly transfer ($900) from my credit union checking account to the Cap 1 account. After a couple months I decided I didn't like that arrangement, and I went online and deleted the automatic monthly transfer (more on this comes later). Everything was fine with the account at that point. I periodically checked the account online.

Around May of 2008 I tried to check the account and couldn't get on. The message said that the system was being "serviced" and to try later. After multiple tries over about a week, I finally called the bank. I was told that I couldn't access that account online, because I had to use my "business account" number.

This was interesting, since I don't have a business or a business account. I explained this to the representative who (unbelievably!) argued with me that yes, I did have a business in Orlando, and a business account. I insisted that NO, I don't have a business, don't have a business account, and have never even been to Orlando! When he finally transferred me to another representative the second guy was able to figure out that there was a business account set up with a tax I.d. number the same as my SSN and they had linked the accounts.

While I guess this is a mistake anyone could have made, it did not inspire confidence in me, so I transferred all my money back to the credit union and planned to close the account in a couple weeks. Well, I never got around to closing the account, but since there was no money left, I didn't worry about it.

(Now back to the automatic transfer...) Then, in November of 2008, I got an email saying that my scheduled automatic transfer of $900 would take place that day. I really thought this must be a scam email, but called Cap 1 to make sure. In fact, there WAS a scheduled transfer in their system. When I told them that I had cancelled the automatic transfer online a year ago, the representative replied that the cancellation is only effective for 1 year from when it is placed, AND THEN THE AUTOMATIC TRANSFER REQUEST IS REINSTATED!!

How is that even legal!? I couldn't believe they could do this. I told him to stop the (unauthorized!) transfer. He said he couldn't. I told him to close my account. He said he couldn't. I said "let me talk to someone who can do something." Ten minutes later, I talked to a woman who said she was stopping the transfer as we spoke, and closing the account.

Since I didn't have much confidence they would actually do what they said, I then called my credit union and asked if they could stop the transfer on their end. They said they couldn't, but to monitor my account over the next couple of days (this all happened on Friday afternoon) and see if the money got moved. If it did, I could come into the Credit Union and place a Fraudulent Transfer claim. Well, as of Monday morning, Cap 1 had taken $900 from my credit union checking account, so I filed the Fraudulent Transfer claim.

I have the money back in my checking account now, but I still seem to have a working Capital 1 account. They actually had the nerve to call my credit union to claim I was trying to pull something over on them!! I would avoid this company like the plague. Regardless how appealing their bonuses or rewards are, the risks and hassle are not worth it. I'm just glad this hasn't cost me any money, like most of the others who've posted here.

SANTA CLARA, CA, VIRGINIA -- I am having an issue in resolving fraudulent charges on my Capital One account, the card was issued under my name but I've never received it because of the mail tampering at my previous residency. So they've kept on sending me over limited balance each month. I've contacted them about fraudulent charges on the account; I have also sent them all the supporting documents including police report with the names of the suspects.

Ironically or not the people that I filed as main suspects of my identity theft, fraud, stolen checks and mail tampering happened to be involved with fraud with Capital One roughly a year ago before I moved to this particular residency **, San Francisco. Kenny ** from Customer Fraud Protection was the person who informed me about it over the phone. He also said..."We are working with you to resolve this matter..."

Without being a fraud investigator I can see that apparently the Filipino family that I was renting my room from, the landlord aka ** and her daughter aka Josephine ** at ** have been involved in the fraud with Capital One more than once including the case with me. From the police department in San Francisco I have received an unclear answer, on one hand they're saying that they will only start on investigation if the credit company will initiate it. On the other hand they said they won't really do any investigation unless it is 10,000 or more has been stolen from a person filing the report. It doesn'€™t really make any sense to me.

However, I've let the Capital One know what the police have told me. In their turn, one of the Customer Fraud Protection representatives was arguing with me over the phone that€ "the police should have been doing an investigation by now." It sounded like what I am telling him is not exactly true and not how it works. I'€™d love to remind that I am just a customer that had fraudulent charges on the account and needed help in resolving it. Therefore I'€™ve contacted them to HELP ME. Instead I was getting blames for police not doing their job?

Anyway, after months of inconvenience and wait what I've received from Capital One was... "We found no indication of Fraud..." Huh? You know, I'€™d love to see those thieves in jail, I'€™d love to see them being caught and charged with an identity theft, mail tampering, fraudulent accounts opened in my name, checks cashing with the forgery of my name. However, for all I know police needed an initiation of the credit company that is in fact Capital One and they are in fact doing nothing to initiate it. What are bunch of **.

My balance is still high and I am not going to leave Capital One alone until they'€™ll clear this situation out. I am not a police but as I am a magazine publisher I'€™ll do everything in my power to inform publicity about high incompetence of Capital One to resolve Fraud matters and to protect their customers. Exactly 750,000 copies nationally will be sending out monthly. Until then I'€™ll wait and see if Capital One will correct this situation and they'€™d better do it ASAP.

NO WHERE, TEXAS -- I know you all are frustrated about what has been taking place at Capital One. I just wanted to comment one a few things that I have read on here. If your interest rate (APR) is 28.15 or higher it is because you defaulted (went past due or over the limit) two times or more. This is Capital One's DEFAULT rate. Keep your account in good standings and you will not get that APR. There are times they can still lower your rate, even if you defaulted.

You were at a low fixed rate... Capital One made a business decision and sent out letters to everyone that was affected with the "Change In Terms". Please remember that the Senior Account Manager did not make this decision, most of the people who work there have been affected by this decision as well.

When calling into Capital One to check on your account or anything call 1-800-955-7070 and enter your account info and when it says to hit a prompt DON'T. It will bring you to a human faster than pressing prompts. As for the past due fees and or overlimit fees... Sometimes Capital One can credit back those fees IF the system lets them. If not, it isn't the retention agent's fault (keep that in mind).

As for closing your account... The account will not close until it is at a zero balance for 30 days after the account cycles with nothing getting charged to it. And they tell you in the DISCLOSURE when they do put it in a closing status CANCEL ANY CHARGES THAT ARE Automatically BILLED TO THE ACCOUNT. This means... If you have Payment Protection or Credit inform or any other charges like internet charges you will need to call them or anyone else that charges your account each month. If you don't and you put it in the closing status and they charge your account it WILL reopen it.

If your account is a rewards point account... Call the rewards department before closing your account because if you don't you will forfeit the points, cash or miles. Just an FYI also it takes 45 days to get them redeemed. The membership fees... They do have good benefits that come with that. Extended Warranty is a big one. And it is a very good thing. I will explain it...

If you go to the store and buy something that you can take out an extended warranty on... You don't have to take it at the store, Capital One will cover that extended warranty for one year. And as you know if you buy it at the store it will cost you 40-50.00 for that warranty, but Cap One you can use the extended warranty all you want with no extra charge.

Also rental car insurance... if you use your Cap One card to rent a car, your card also covers that. You can have the rep send you a copy of your benefit package when you call them. So then you can read all of it. Also the membership fee is in your terms and conditions when you got your card. BE NICE TO THE REPS. Because they are cardholders also and believe me they do understand how you feel and what you are going through. Thanks for reading this. Please remember the rep is there to help you!