"The Water Buffalo" is available at http://seaBurn.com/

contact info@seaburn.com to get info.

   Get in this Health business to be Wealthy
Searching the webBlood Sucking Evil Bank suit the Bank !!What's in your wallet? CapitalOne No Hassle Rewards?! CapitalOne PRIME LOCK card?! Angry Victims Join Lawsuit Against Evil Capital One Bank prime lock credit card ! Sue the CapitalOne Bank! This Capital1Card ' NO-HASSLECard ' MilesOneCard ruin our life!  DebtYouToDeath. If every consumer would take renegades like this to Small Claims Court, this kind of vampirism would soon fade away. 9 times out of 10 they will not show up due to the cost to have someone in court. 10th time a judge would understand your case. Remember, Sue them today! Sue them ASAP because u only allowed to sue them within 1 yr or so! It's so disgusted to see that they have been doing this over years, and now they named themselves from NO-HASSLECard into No Hassle Cash Rewards Card !! (http://www.NoHassleCashREWARDS.info )

viewer alert! Because we started http://www.milesOneCard.com to disclose CapitalOne's vampirism, CapitalOne stopped their MilesOneCard TV promo, but, they started a http://www.getMyCard.com ! Doing what?! to take new blood's application for MilesOneCard!! (Watch out!! don't let the vampire get your veins! when u click it to see what's over there getMyCard.com, NEVER sign and give your social security number to get this what?! Blood Sucking Evil card.)

Now CapitalOne credit card change their TV promo into CapitalOne PrimeLock card ?! Is this because VISA is about to cancele CapitalOne's license and won't allow CapitalOne to run their blood sucking evil credit card as a VISA card anymore?! CapitalOne knew eventually they will get cancel to use VISA to cover their vampirism business, so they keep change their card's name to confuse and stall the card holder?

Viewers, after u sue CapitalOne, there is still one thing u need to do: to make sure CapitalOne  lose the license to use VISA ! Please always email visa.com , ask VISA and Master Card to cancel CapitalOne's license to run their blood sucking evil card in VISA's name! U can always  copy 'paste and forward every messages post over our webs to remind VISA what CapitalOne has already turn the VISA credit card into the CapitalOne LONG-HASSLE REWARDS and PrimeLock HELL!! Visa and the Better Business Bureau are launching a campaign to educate consumers on: how to identify phishing scams; how to avoid becoming a victim; and how to report a suspicious email. Comprehensive phishing resources are available at www.bbb.org/phishing and www.callforaction.org. KEEP EMAIL VISA TO VOICE OUR COMPLAINTS, the day VISA cancel CapitalOne's license shall be the day these evil vampires lose their teeth!!

To Visa and the Better Business Bureau, how could u allow CapitalOne to run their blood sucking evil card (credit limit $200 or $300 with a guarantee over limit fees, and late charges doesn't matter when and how u pay ur payment) as a VISA over years? Read CapitalOne's offer: "NO HASSLE ISLAND GIVEAWAY, win instantly! Million of $$ worth of prizes! see game card inside " ! Can't u figure out what they been doing?! How could u licensed CapitalOne the rights to ruin and schedule consumer's credit report over 7 years when they refuse to pay anymore of these CapitalOne evil fees?! With this economic crisis and with the younger generation being taken-in by the Spider in the Web looming over them as their prey, there MUST be action taken against such NO CONSCIENCE offenders!!!!

Complain to MasterCard.com and ask them to cancel CapitalOne 's masterCard license if u got a Master Card from the blood sucking evil CapitalOne !

Sue them NOW!! You only have ONE YEAR to sue these Out-Laws until they are Out-O'Business: 

Can the Media Help us?!

Credit Card Overlimit Fees/ Credit Card Overlimit Fees resulting from the assessment of annual fees /Some credit card issuers have a practice of charging an overlimit fee if an annual fee pushes the account balance over the credit limit. The Law Offices of Barry Kramer has recently resolved several class actions involving interest charges, late fees, annual fees, and overlimit fees, and is actively pursuing cases in which an overlimit fee was assessed solely as a the result of an annual fee. If you feel that you have been a victim of this practice by your credit card company and have records that would back up your claim, please click to fill out the form.

The attorney will keep the big portion of money after they win the case for u, How much shall the settlement money for u? After divided by million victims suing, the amount may be never enough for your lost over this blood-sucking evil card , sometimes the credit card will agree to increase your credit limit! The best u do for yourself is to sue the vampire on your own!

Sue Capital One before the vampire debt u to death!

 
The winner's note from a vampire fighter: / This is an update of my case of ID theft and CapitalOne. My pay was garnished for a credit card I never opened. The garnishment of my pay could have been avoided. CapitalOne was negligent in issuing this credit card based on flimsy personal information submitted by the thief. The thief only had to provide my DOB and SSN. CapitalOne was negligent in their failure to conduct a proper investigation of the ID theft. When I contacted CapitalOne and made them aware of the ID theft they should have immediately initiated an investigation and that is according to CapitalOne own website (http://www.capitalone.com/credit101/fraud/victiminfo.shtml). Instead CapitalOne garnished my pay. CapitalOne attacked me and refused to tell me what kind of information I could provide in order to assist in the investigation. I was forced to try to resolve this issue without the help of CapitalOne.
Both CapitalOne fraud operations and collections departments ignored my request for information and assistance. They ignored the evidence I submitted proving I was not in Detroit, Michigan during this time.
Every certified letter I sent CapitalOne was ignored.
CapitalOne made a mistake and refused to correct or acknowledge their mistake.
CapitalOne refused to acknowledge the fact they extended credit to someone pretending to be me.
CapitalOne chose to ignore the ID theft affidavit I submitted.
CapitalOne chose to ignore my request for copies of account documents.
CapitalOne chose not to take a report or initiate an investigation into my ID theft claim. In CapitalOne zeal to increase the number of card holders,
CapitalOne failed to properly verify the personal information being submitted and failed to request enough personal information in order to sufficiently verify identity.
CapitalOne chose to ignore my request to remove my name from this account and from the judgment until finally a ruling was issued in my favor by the 36th District Court. I was prepared to present a mountain of evidence to prove my case, but the lawyer for CapitalOne agreed the card was the result of ID theft before the trial began. The lawyer was dead set against me receiving anything other than the money CapitalOne fraudulently garnished from my pay, but the judge thought otherwise and awarded me the out of pocket expenses.
I believe the turn around by CapitalOne was due to my complaint filed with the FRB.

I would suggest others use them to file complaints against CapitalOne.

Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
Complaint Section
20th and C Streets NW Stop 801
Washington DC 20551
202-452-3693
www.federalreserve.gov

I have since received a reimbursement check from CapitalOne for the fraudulent garnishment and for my out of pocket expenses.

11/6/2008 2:25:56 A.M / Mark Sc* / mord*i@optonline.net /  631-***-**** /You should advise your readers to file a complaint with the Office of the Comptroller of the Currency (OCC).  Capital One is  now a National Bank and comes under OCC jurisdiction as their regulator.  Your complaint must be signed and in writing.  The address is:

Customer Assistance Group
Comptroller of the Currency
1301 McKinney Street
Suite 3450
Houston, TX 77010

The have a website at www.occ.gov  that has the complaint form and lots of data.

Toll Free: 1-800-613-6743
E-mail: Customer.Assistance@occ.treas.gov  
FAX: 713-336-4301
Hours: 8 a.m. - 8 p.m., Eastern, Monday-Friday
 

Viewer, class actions take too long, also u really don't get too much settlement on portion, file your own lawsuit first! U may lost your own chance to sue and get your own justice while u r waiting for class actions!

 
2/23/2009 9:59:14 A.M./ Carolyn M* / car*@hotmail.com /  831 ***-**** / It all started when CapitalOne 'lost' a $300 payment. I even went to my bank where the bank manager called them to verify that the funds had been electronically transferred to them and offered to fax them whatever documentation they required. After 41/2 hrs we got no where. Of course this triggered the over limit fee cycle. Then I was charged an annual fee that I'd never been charged before. I became out of work, and couldn't afford anything. I was selling my furniture to pay my bills. It is highly insulting to get phone calls from India, when Americans have no work. They call every 15 minutes from 8AM to 9PM every day. I can't even seek employment because if you have bad credit, no one will hire you, plus the phone is always busy with these people. I would love to find a class action that will restore the credit that was stolen from us. My son says it is harassment, and there is some law that says they can't do this to me. Anyone know anything? By the way, I have been a faithful customer for 15 yrs.
2/19/2009 1:00:52 P.M. /   Is Capital One bank owned by  Taliban and his friends? /  cchae s. s* / cso*@optonline.net / Dear Sir: CapitalOne  seems to try to make money from innocent American people, collecting debts which they never owe. Is it a Christian law or Taliban law? Why Mr. Obama doesn't send some troops into CapitalOne  , arrest the crooks and send to Afghanistan to fight Talibans?

2/19/2009 12:53:23 P.M. / chae s. s* / cso*@optonline.net / 516 *** **** / I owe nothing to CapitalOne   bank. But it sued me for the debt that I do not owe. I filed summary judgment motion. The layer this morning at the court wanted to withdraw the case. I said no. She somehow postponed it to next month. I disagreed. The clerk became very hasty to me, saying it is postponed. I am paying for the clerk, why he could not be a just a person to take care of a civil service job. Our system is so sick and America is sinking. anyone can fight this blood sucking CapitalOne  bank that prospers under the stimulus government input. Who can control our government to be for the people, of the people and by the people or by the crooks?
2/15/2009 7:54:41 P.M. / Sandra A* / slp*@yahoo.com /  305-******* / I cancelled 2 cards due to the amount of fees. Paid what I had charged. They  fail to send me copies and adequately validate the debt. THe cards had a balance of $350 each. The show the high balance as 673 on one & 973 the other (falsely assumed through hidden fees).  Then they continue to increment fees om the card which are now at 1468, and 2079 respectively. This company is a predatory lender.  I have sent them certified mailing asking them to correct the information. They refuse, and continue to add more fees and verify as valid with Experian and Transunion.
12/31/2008 6:15:19 P.M./  tiffany / misa*@yahoo.com / I have had a time trying to deal with CapitalOne .  i have spent 5.5 years of my life and hundreds of dollars trying to fix a problem that they made. i had their payment protection insurance and became disabled.  they would pay.  i filed claims, made calls and now a roughly  180.00 they are suing me in court for over 2000.00.  they are sick.
12/27/2008 4:43:44 P.M. /  John A* /  jan*@yahoo.com /  847-***-**** / late fees, over 20% interest etc pushing me over the credit limit
11/22/2008 10:18:00 A.M. / Gerald B* / chai*@sbcglobal.net / 734-***-**** / In 2006 I was injured at work I had card protection with CapitalOne  I called them and they told my they farm that part out and gave me a phone number to call I called and got some indian talking guy and told me to down load the form as witch I couldnt on my computer I called back and they got really nasty with me and hung up not once but twice I have a medical problem and deceaded to retire I called CapitalOne  and ask them to take both cards and add them together  and I would send them 250 a mo. untill paid they deneid me and said they wanted 500 a mo. now im going to have to go into court and defind myself and try to get this settled.
11/17/2008 3:47:57 P.M. / Peaches / splu*@msn.com / CapitalOne  just seems to piss people off on a regular. I really dont feel the need to type my life story here but CapitalOne  got me...just receivied a GARNISHMENT letter from a damn lawyers office stating I have 30 days to answer or they will garnish my wages. My balance is like $900 something but with lawyers fees its about $1200. Go figure.
9/28/2008 6:28:23 A.M. Pacific Daylight Time / Complaint / HowDoFind:          Friends told / Thomas S. B* / bst*@verizon.net /           301-***-**** / CapitalOne  overcharged multi payments to my account.  Their interest rate was extraordinarily high.
Thomas, Complain won't do any good, only getting yourself more charges and fees!!
9/25/2008 5:59:48 A.M. Pacific Daylight Time / Suggestion / HowDoFind:          Web Site search engine / Cheryl / tam*@333.org / I personally have never had any problems with CapitalOne , but I'm very careful to pay on time every month, and just have an automatic payment go to them out of my bank, just in case I forget.  It saves a lot of heartache in the end.  Just for your information, however, people are always surprised to find out that the credit card companies in Canada have no 'late fees'.  If you miss a payment, you're already paying outlandish interest.  Since it seems that late fees are a large part of the issue, why not go to the FRB with complaints about that, aimed at all of the cards? Just a thought.  Good luck to all of you
9/23/2008 5:37:11 P.M. Pacific Daylight Time / Karen K* / lib*@yahoo.com / 706-***-**** / Okay here goes....I have/had a CapitalOne credit card.  I paid each month like I was suppose to and all of the sudden they increased my credit line.  I did have 3 different cards but I cancelled one of them.  Well for several years I have paid on these cards but it seem to never decrease. (balances)  Finally the economy has caused work to slow here for us (I went from 52 hours a week to a measely 36 hours per week) with 2 children and single thats a real big drop.  I had to make a decision to stop paying something and it was my credit cards.  I did contact CapitalOne and told them but they kept giving me a bunch of bullsh** answers and comments.  after being treated like dirt for several minutes I asked for a supervisor or manager and to my surprise (NOT) they didn't have one available but would get one of their managers to call me back later.  Of course no one called me.  Well that was 2007 and I haven't heard anything from them since until today. (with the exceptions of a couple of letters saying I was behind and they would be force to turn accounts over to collections.  Well now they have...and I received a summons by the superior court to answer to this complaint.  I called the attorney number on the summons and it went to a collection dept. of capital one.  I did talk to them and the bit** they spoke with me was so freakin' rude.  I ask her about the whole thing and she said I had to pay the balance in full now or go to court.  I told her I was considering bankruptcy and she said do what you want but it will be to late we will have already filed this as a judgment on ME?  She mentioned a hardship case and I ask her for more info and she got really nasty with me she started asking me for my full name, my address and my social security number I gave it all to her and then she ask me for my employment information finally I said its the same as it was when I opened the account. she then said since I was refusing the hardship plan there was nothing else she could do.  I said wait I didn't refuse anything but what does my employment have to do with the hardship program and she got even worse and said that she needed that to see if I qualify for the program.  I first told her I did not like to give that info over the phone and that it should still be on my original application.  she was terribly mad and when I again ask for a brief description of the program she said you pay in set monthly payments to us and again said give me your employment information and I will see if you qualify.  I didn't respond for a second and then ask her if that would rid the summons and or judgment she said just think this over and call me back tomorrow.  She said she would be in at 8:00am and offered her number.  I told her it wasn't then original number I had called and she said no I will give you my direct number well  I  took it and she said her name was Ms.Kelly I ask what time she leaves in the evening she got awfully nasty and said "NORMALLY AT 4:45" and to no surprise I looked at the time and it was 4:46PM.  I still haven't resolved anything but my limit went up to 1075.31 plus 393.16 for interest and attorney fees and court cost.  My limit was 500.00 so what the heck???  Help I have only 30 days to respond and don't know what to do.  I did contact them about all of this a year ago and they were jerks about all this and just kept giving me invalid answers and I never received anything from their supervisors.  HELP??!! Oh I have no documentation of the conversation I had with them or really anything else to show as proof.  What do I do??? Oh sorry but one more thing the so called attorney name was MANN BRACKEN LLC ATTORNEYS AT LAW OUT OF ATLANTA, Ga. THANKS IN ADVANCE FOR THE HELP.

Karen, mostly happening if u call in the nighttime, those 'customer services' are answering u from India!! Whatever they do is to guarantee that your charges and fees will be added into 3 more days. U can figure it out from their accents. If u ask them nicely, they will tell u the true, that they r not in the LOCAL office, but they will put a note about what u said. WHAT'S that mean?! It takes 3 days for USA CapitalOne  to view the note from India!!
9/22/2008 5:54:49 P.M. Pacific Daylight Time / Kelley M* / Kel*@aol.com / For the last year now, I have been fighting CapitalOne monthly because of them charging a late fee.  For awhile I was paying with a money order and would send my payment in weeks early.  They would charge me a late fee, which I argued and at first they removed it.  Then in another month after I was charged a late fee and then on my statement the payment was shown to be posted weeks earlier.  The the month after that, I was on the phone with them again with the same matter and they said they would not remove the late fee because they had done so the month before (even though the month before was clearly their mistake.)  Since, I have been charge late fees and recently was charged an over the limit fee twice in the same month based on their late fees.  Unbelievable.  I have a limited balance because I have been trying to build up my credit and in my opinion, CapitalOne knows that because of my past poor credit, it would be easy to blame me.  Recently when I told them that my lawyer actually wrote and sent the check in, they were more than happy to remove the current month's late charges.  They also don't allow you to pay in advance.  If you pay $100.00 when you only owe a $20.00 payment, they do not apply the remaining amount to the next month.
 9/10/2008 3:10:56 P.M./ Philip S* / PhilipS*@Bridgestreet.com /  214*******/ When I check my account it shows that I have money. I only use debit card but some of the transaction are slam toghter three to four days later, this has happen three times right before payday like a setup bad service!!

 9/10/2008 3:01:03 P.M/ Philip S* / PhilipS*@Bridgestreet.com /  214******* / When you use a debit card your money should be taken out at least one are two days later. They hold it to apply it all at once. just to charge late fees bad Bank!!!!!!

 9/10/2008 2:52:49 P.M./Philip S* / philipS*@bridgestreet.com / 214******* / when i use my debit card capital one, they hold the money untill it builds up. Then it all out at once four days later. I thought when use debit it comes out one are two days later, they hold to charge late fees, tis has happen three times, always a day before my direct deposit kind of strange.
Wed, Aug 20, 2008 1:06 am /   tracy w* / wedg*@dcfs.lacounty.gov /  310 ***-**** / My complaint is that they are adding enormous fees to my account such as over the limit fees, membership fees and other fees that I was not aware of. I tried on several occassions to resolve this issue, however; CapitalOne Platinum Master Card has failed to come up with a viable explanation why my account fees has risen and I have continued to pay monthly fees and I have not used the card in over a year.
CapitalOne , what kind of scummy shark u r?! a evil one? or a stupid one? I don't have your blood sucking evil card over 13 years, I moved and changed address over 5 or 6 times, and? after so many year, u give my name and address to these so call DEBT COLLECTOR? How do u get my new address anyway?! and how dare u give away my new address and old name to those so call Debt Collectors to harass me? I have surprise for u, u fucking stupid scummy shark, I don't use this old name over years already! and of course I know exactly how many years I don't use Capital One card anymore.

CapitalOne , how can this happening? Northland Group Inc. (P.O.Box 390846, Edina, MN 55439, 866-380-8783, NGI@northlandgroup.com ) start to harass me with this Debt $699.90,  in my old name which I don't use over 13 years, with my new address? which I moved and changed over 5 or 6 times? and Midland Credit Management is their (Northland Group's) client? Settlement Offer is $314.96? and PREVIOUS CREDITOR is U!! CapitalOne !

Did u give my old name and new address to this Midland Credit Management?  or those stupid just use your name CapitalOne  as Previous Creditor?

I'm posting those cheaters name on web sites, in the mean time, u better clear out this mess!!

Actually I report this to the police already. CapitalOne , Midland management, and Northland Group, u have a lots to explain when the detective come to nock your door.
Of course I won't pay any dime to your Settlement Offer! Of course I won't call your 866 telephone number to confirm that your harassment mail reach me. U NEED TO STOP WHATEVER U R DOING RIGHT NOW! U BETTER RUN QUICK! because I report this to the police already!
CapitalOne ?! I can't believe that u r doing this again?! R u just dumb' stupid and evil? Too evil to be member who I'm to u?! After so many years (over 13 years! u r still doing this?), u still dare to do this to my name? again?

This is a letter I received fro a so called [Midland Credit Management, Inc.] Department 8870, Los Angeles, CA 90084-8870.

And it saying:

Dear c* * **

You won't want to miss settlement opportunity offered to you by Midland Credit Management Inc. services of the above-reference account.

Recognizing that you may have gone through some financial difficulty and have been unable to satisfy your account , we would like to offer you a positive and flexible option to resolve your account for 75% off the Current Balance.

If we receive payment by 04-27-2008 in the amount of $174.98, we will consider the account balance paid in full!

Call now! To take advantage of this opportunity, please contact us TOLL-FREE at (800)282-2644 and any of our Account Managers will be able to assist you.

YES! I post their 800 TOLL-FREE number on web sites so the World Wide Webs viewers will know what is this so called 'debt collector' doing, NOT to be fallen for this  mcm ? Dept 12421, PO Box 603, Oaks, PA 19456 ? They use name and address of [Midland Credit Management, Inc.] Department 8870 L.A., CA 90084, to collect people's payment? and on top, they call themselves : Current Owner, Midland Funding LLC, Original Account No: 5291071340******, MCM Account No: 852279****, and current Balance is $699.90 ??? Payment Due Date 04-27-2008 ???

And guess what?! the Original Creditor is CapitalOne  !!!

After over 10 years or maybe 12 years of those http://www.capital1card.com , http://www.capitalOneCard.us  , http://www.capitalOnePrimeLockCard.com , http://www.milesOneCar.com , http://www.no-hassleCard.com ,
http://www.noHassleCashRewards.info , http://www.noHassleCashSMRewards.com

U dare to give my name to this [Midland Credit Management, Inc.] debt collector?! and let them mail this letter to get me mad?

I don't use your blood sucking evil card over 10 or 12 years already, so I don't even want to waste my time to ask u why I have this so called current balance $699.90 with u CapitalOne , Of course I won't mail $174.98 or any dime to this [ Midland Funding LLC] or [Midland Credit Management, Inc.] either.

CapitalOne , u need to get this [Midland Credit Management, Inc.] to straight up this stupid Fraud ASAP! or ELSE!!
Tue, Nov 13, 2007 5:42 am / Tomika M* / tam*@peoplepc.com / 601******* / CapitalOne  add a lot of overlimit fees and late fees and made my balance really high.

Tomika, sue the vampire before u get sucked dry and being sued.
Tue, Nov 06, 2007 12:40 am / Norman Y* /  nam*@aol.com / 702-***-**** / CapitalOne  is trying to sue me in court. I was a victim of their over the limit fees and late fees while charging nothing {paying on time }and the balance getting higher instead of lower
Mon, Oct 15, 2007 2:26 pm / Braden N* / rut*@hotmail.com / 276-***-**** / 4 months straight when I paid the amount due it thru me under my limit. way under a week early and more than what's due. no charges by me. then capital one tacks the on the Finance charge which puts me over my credit limit and then charges me another 39.00 dollars. remember I haven't charged anything on my account since June. they only charge me over the limit charges on one of my 2 accounts
Tue, Sep 18, 2007 10:58 am / Missy / she*@netzero.com / I have a CapitalOne  plus card hard times have fell on us. In July 2007 I called CapitalOne  explained to a lady named linda she told me CapitalOne  has a hard ship program she said I had to come up with 138.00 and call it in on Monday she said there charge by phone would be waived for third payment because I was to tell who I spoke to I was being put on the hardship program after I make this payment there would not be another payment until end of oct. they lied to me I made the payment like she said I told Jeraka agent # DDP793 what I was suppose to tell him put me on the hard ship program after our call I thought everything was set up right ( no payment until oct ) to my surprise they raised my interest rate to 28.15 and has charged me late fees over the limit fees when I called to let them no what happened they said there was no documentation. and they never let people go 2 months without making a payment. It comes down to I still can not make the payment on this card or on the other 3 cards I have I do not use the cards I tried to tell the credit card companies before that I was having trouble and to please work with me so I could keep the good credit we have worked 20 years for but I have not got any where I have went through many sleepless nights and its not because I'm not tired.
Dear Mr. Michael Robertson, director of consumer services CapitalOne :

I'm really fed up about keep getting your mails, those CapitalOne endless blood sucking offer!  0 % until March 2008? 0 % Intro APR? Plus Platinum Benefits?!

Michael, please come to these web sites http://www.NOhassleCASHsmREWARDS.com/ '

http://www.capital1card.com/  ' 

http://www.no-hasslecard.com/  ' 

http://www.nohasslecashrewards.info/ '

http://www.badservices.com/ and read how and what all the viewers talking about CapitalOne , over so many years,  u think I will sign my name and let CapitalOne suck my blood AGAIN?!

Michael, read my name, and search these web's messages, can't u figure out WHO I AM now?!

Ok, if u still want to pretend that u don't know who u r talking to, I can play the game with u: I will sign my name to u, ONLY IF u give me your CapitalOne card with credit limit over 1,000,000 dollars.

Let's hear what u r going to answer.

YES! I'm posting my message on those webs here! and from now, The whole wide world is waiting to see what u r going to say!
Wed, Aug 29, 2007 7:14 am / MessageType: Complaint / HowDoFind: Web Site search engine /FoundFrom: google /
 Gary H* / gar*@gmail.com / 509******* / CapitalOne  is unable to get my statements to me in a reasonable time, and then they add fees. They have already hurt my credit rating and I have only had the card for 3 months.

Gary, be very very alerted! Post your message on our webs DOESN'T do anything to make u win the lawsuit to CapitalOne  !! U need to sue CapitalOne  Now!! If u just complain and  thinking maybe CapitalOne will contact u and treat u better because u post your complaint over here?

They won't!!  CapitalOne spent over 1,000 dollars to get a new blood like u signed your name and agree to let CapitalOne suck your blood.  They need to charge u over 1,000 dollars, or else they will consider that they lose money on your account!!

Remember! In som area, the court won't take your case if u don't sue within 1 year!

The only good when u post your complaint here is that, u can always use EVERY message on our webs to be your group witness! YES! Every viewer has all the contact info, and everybody is willing to be the witness to sue the vampire CapitalOne .
Wed, Aug 29, 2007 10:37 pm /  MessageType: Complaint / HowDoFind: Web Site search engine / FoundFrom: Update / XXX****   G* / XXX*@yahoo.com / X10******* / Also, do you mind removing first name and just putting XXX**** and also the G in my last name and just putting C. I am only concerned because I am thinking CapitalOne might have people monitoring this site, and since I have such a unique name, they might catch wind of what's going on before I can get more evidence to use against them. For me it's not about the money, it's really about making sure they don't screw so many people, like they're doing. Let's get them to change their policies and/or hit them with so many fines they are forced to shut down!! Wed, Aug 29, 2007 10:22 pm / Also, I should have noted in my previous post to you that the $207 I paid them (on our $2400 balance) was $50 OVER the minimum payment, but with the interest charges we STILL got hit with the over limit fee. This is OBVIOUSLY abusive on the part of CapitalOne , as not only did I pay the minimum, but I paid about 25% MORE than the minimum. I am in touch with the attorney and encourage all of you out there to get in touch with him as well, at least those of you in California. Although he does take 1/3 of the proceeds, he has to pay for ALL OVERHEAD, and unless he wins, he doesn't get any fee at all, so he is taking all the risk. Plus, if you are chosen as a representative, the court will award you representative fees which are usually $3000-$5000. And he may be able to score injunctive relief for some of you, such as getting CapitalOne to delete any delinquencies, or errors from your report. It will probably take longer this way but have a greater impact, as it will be representing potentially millions of customers who've gotten screwed. At the very least, call the attorney with your testimony; it can't hurt. What they do to people is just SICK. Mon, Aug 27, 2007 7:41 pm / XXX G* / XXX*@yahoo.com / X10******* / CapitalOne constantly hits us with $39 fees. Last month, we were hit with a $59 membership fee, which brought us overlimit, and they charged an additional $39 fee. I called to complain about the overlimit fee and the associate on the phone said, "We will send you a letter as to our decision within 10 business days". Letter has never been received and we were never issued a credit for the $39. So, last month, I wrote a check for $207 against our $2400 balance, thinking this would bring it over limit and we would never need to pay another fee. Lo and behold, I open up this month's bill to see that with finance charges, despite the fact that I PAID MORE THAN THE MINIMUM PAYMENT BY $50 (the minimum was high due to the $39 and $59 charges), WE WERE HIT WITH ANOTHER OVER LIMIT FEE for $39. This time, they truly have gone too far. I submitted a complaint to the Governor's Board of the Federal Reserve and signed up with the attorney who is suing credit card companies for over limit fees imposed due to membership fees. I plan to call them tonight and they had better credit us $78 - if not, there will be hell to pay. I plan to sue in small claims court just to get this over and done with quickly.

XXX, U can always use each message posting in our webs as group witness! We keep all viewer's contact info (name' phone and email) in secure DB.

Thu, Aug 16, 2007 10:06 pm / MessageType: Problem / HowDoFind: Web Site search engine / FoundFrom: google / UserName: ed h* / hey*@chartertn.net / 423 *** **** / do you happen to know who a sara rubin is?supposedly she is a CapitalOne agent????????????? please let me know if you do they are suing me for a fraudulent debt and her name is signed on the amount owed sheet.

Ed, if u know she is from CapitalOne , u shall know how to deal with her already. Read our webs! U don't need to go through all of the victim's messages to learn what CapitalOne do!
Mon, Aug 13, 2007 11:53 am /Veronica D* / Duh*@gmail.com / 404-***-**** / Had (3) CapitalOne Credit Cards one for a $200.00, $300.00, & $500.00 limit. Paid all credit cards on line same time, CapitalOne stated that never received the payment for the $300 & $ $500.00 limit. Charge a membership fee, so that took me over my limit on the (2) cards, and then started charging over limit fees and late fees were assessed to my credit cards. Hadn't used any of the credit cards in over 5+ years, they wouldn't close out account unless paid in full. Only had charged over 5+ yrs ago $225 n the $300 & 300 n the $ 500.00 limit. They sold thoose two debt to another company. And they are trying to charge me $914 on the $300 limit and $1,320 for the $500 credit card with know charges to account.

Veronica, viewing our webs, U shall learn what CapitalOne  has been doing all these days, sue CapitalOne  before it's too late!
Fri, Jun 08, 2007 4:39 am / bruce c* / bch*@excite.com /  585-***-**** / wrong info from CapitalOne , agreeed to pay off xx dollars and they added $87.00 to the bank payment. i have id of person i talked too. tried to pay off acct. since jan.
Bruce, WAKE UP! Sue CapitalOne and get yourself out before you have been sucked dried.! Doesn't matter what u do or agreed, they will keep adding $87' $89 to your account anyway. They spent millions of dollars to get you sign your name and blood for them to suck, If they don't get at least $1,000 from each account, they consider they lose money on the account. Id of person u talked meaning nothing. One reprehensive killed himself so they set up their 'Customer Service' in India now. All the 'Customer Service' need to take at least 100 calls each day. They live on the commissions of how much more charges they can add into your account.
Mon, Jun 04, 2007 11:03 am / Thomas F. D* / pa*@yahoo.com / CapitalOne  tried to sell me life insurance over the phone which i refused. They put charges on my card for this anyway and when I refused to pay they hit me with repeated late charges then put my account in collection.

Thomas, Sue CapitalOne  today! Now! If u read through ours webs, u shall learn how the winner sued and get rid of this blood sucking evil card, they even feel ashamed to call themselves credit card anymore, they call themselves NO-HASSLE-CASH-SM REWARDS. Guess what the 'SM' stand for? Slave and Master. Guess who is the vampire?

And who is the victim?!

Sue them, report them to the media, report them to the government. Nobody help u except yourself.
Sat, May 26, 2007 4:44 am / Frank D* M* /  dem*@aol.com / 562-***-**** / I am being sued by a collection agent attorney for almost $10,000. for a MasterCard account with CapitalOne  Bank of Va, 2004-to-date. I became totally disabled in 2004, paid for "payment plan" and they actually paid on my account for the first year. My original credit line was not more than $1500.,they sold the "default" to collection agencies, skipped Arbitration, and refused to honor doctors reports and a judges order declaring me disabled.  I am a Florida resident. Can you cite any cases won against them?
Sun, May 20, 2007 12:28 pm /  deanna / dme*@aol.com / I am also a victim of CapitalOne .  I am constantly charged for insurance that i told them I do not want of course the late fee every month because my payment never seems to get there on time even if mailed 2 weeks in advance membership fees that put me over the limit again if i have no more credit how can they continually charge me for things??????my credit card has increased by $ 600 due to late fees
Thu, May 17, 2007 10:59 am /  MessageType:        Complaint /HowDoFind:          Web Site search engine / FoundFrom:          Ask.com / Vanessa B* / vba*@kcisd.net /  830-***-**** / I had a 300 hundred dollar credit limit and every time i paid 30 to 50 instead of the 10.00 yet my balance says i still owe 303.00 and when i called to talk to some one they said it was and invalid entry and charged me 10.00 for speaking to customer service whom i never even had a chance to speak to. I am so angry.
Mon, May 14, 2007 11:17 am / LaS* / mcc*@yahoo.com /  678-***-**** / I received a credit card through CapitalOne . in 2002.  I signed up for the protection plan were I would be protected if anything happen I would be able to pay the min. and would not be charged outrageous interest fees.  Before I was paying them on time and more than what I had to pay. I could pay $15(the Min) and would not be in default. When I had to go on bed rest and could only pay the min. they add late charges over the limit charges because they had add the late charges that made it over the limit.  When I asked about the protection plan they said that they did not have a such thing.  I told them that i wanted to cancel my card and they put me through hell.  It end up going on my credit and the charges was still being added.  My limit was only $200 and know it is over $1200 dollars. I can not get anything and they want me to pay all of those charges.  I think that is crazy and I should not have to pay ten times my limit.  I am trying to get a house and establish my credit and can not do anything.  I am not making enough money to go on a payment plan but I can give them $300 that i have saved up to pay this off and they take this off all three credit bureas

Shannon, $300 won't do any good to CapitalOne ., CapitalOne .need to charge u at least $1,000 or else they will consider losing money on your account.

Watch out for two cruxes: 1.In some area, u only allowed to sue the credit card issue within 1 year, so CapitalOne .always do everything to stall u from suing them in the first year, usually they will give u 2 more of their No Hassle Cash Rewards CapitalOne .card. (And they will tell u the next card is better than the first card, which is of course NOT! Your interest rate will go up to highest after your next late charge and over limit charges.)

2. When u finally save enough money to mail them the check to pay off the amount (usually it's $3,000 if u received 3 of their $300 credit limit NoHassleCash SM RewardsCard) and tell CapitalOne .that u want to pay off and cancel your cards, YES! Your final payment is not only going to be late again, CapitalOne .will hide your payment and pretend that they never receive the check, CapitalOne's so called Customer Services will insist that u need to go to your own bank and buy a photo copy of the check and mail it to them to prove that u did mail out and they did cash the check, the photo copy of the check usually take 2 to 3 months to buy and mail and for CapitalOne .to finally admit that they received and cashed it, and of course, it will be another 2 or 3 months late charges already! Watch out! YES, those things HAPPENING ALL THE TIME. Read our webs!!
Tue, May 01, 2007 11:42 pm / Lindsey W* / lpw*@gmail.com / Let me explain....4 months ago I got an offer for a $1000.00 limit credit card from CapitalOne .  I had originally gotten it to start establishing my credit.  I am an extremely responsible credit/banker, and was shocked (after making a $600.00 payment), to find that my card had declined at a drs. appt. while making a co-pay.  When my husband and I got home and on our computers we looked to find that our recent online statement said that my current limit was $500.00 and my current balance was $0.00.  We immediately called CapitalOne , and they never gave us a straight answer as to if it was a computer or human error, and we are forced to pay $55.00, after last month having just have paying $600.00.  They said it was their mistake, and they were sending us something in the mail......tell me is this wrong?  Or am I just overly upset

Lindsey,  CapitalOne is the only credit card spending millions money to promote their card, their TV commercials is costly and whoever fall for their PRE-APPROVE card shall pay at least $1,000 over each account. It's always new kids with no credit will be trapped into CapitalOne 's blood sucking quick sand river.

CapitalOne always give new blood $300 credit limit, so they can start to press  $69 over-limit charges as soon as possible. (Late charge is sure shot, Doesn't matter how or when u sent your payment, their customer services (which is set up in India) will tell u that they post the payment at 5 pm, but your payment arrival at 5:03 pm. When u complained, they will give u second $300 credit limit card so they get to suck your blood double.

Most of card holder end up with over $3,000 over THREE of their $300 credit limit cards, and they didn't know to sue CapitalOne within the first year. then they got the problem of suing and get out of CapitalOne vampirism since those credit issues only allow one year  period to sue in some area.

Everybody can see the mistake : Some guy shouldn't give u the credit limit over $300 in the beginning. If they can't charge u up to $1,000, they consider losing money on your account!.

CapitalOne got problem on trapping the suitable new blood victims now, the way they promote their CapitalOne card, I see their TV commercials is focus on young kids who will hurt their brains when they try to figure out what kind of no-hassle rewards CapitalOne card is that?! The horror and gray tones of CapitalOne TV commercials showing, Only the drug user will sign their names to apply. Don't get yourself sunk into this kind of quick sand!! U r the only one awaken down there.

It's so disgusted to see that they have been doing this over years, and now they named themselves from NO-HASSLECard into NO-HASSLE Cash RewardsCard !!
Wed, Apr 25, 2007 9:51 am / Cynthia W* / cyn*@gmail.com / 830-***-**** / I received a CapitalOne card when I was 19 years old, with no kind of application.  The card just appeared in the mail.  I am now 26 years old.  The card had a $200 dollar limit on it.  I have tried contacting them by email, telephone asking about their collections departments. I have received no information or help.  I do not have the card anymore so I do not remember the account numbers.  CapitalOne  will not give me any information so that even if I wanted to pay, I can't. I am currently in the military in an undisclosed location.  Which does not help me much when I cannot just pickup the phone and call.  Mail takes months to come and go, thats even if the mail even comes.

Cynthia, now u r serving our country, and we r fighting CapitalOne Vampire with you! Your post is in top of our webs and u shall take the advantage of this situation, email all the media, email the government, email  CapitalOne fighting  , u don't need to explain too much anymore, u don't need to worry about they won't hear or see u, just tell them that u post at the top of our webs. We will always post all the messages for u, and u can always see our webs everywhere u go.
 Sun, Apr 15, 2007 1:08 pm / MessageType:        Complaint /HowDoFind:          Web Site search engine /FoundFrom:          webcrawler / UserName:           Brian M* /required-UserEmail: bil*@cebridge.net /   972-***-**** / OK.  This site has grabbed my attention, but it is WAY too incoherant to make any relevant sense from it.  I need to know specifically what are the usery laws in the State of Texas and what exactly they are and are NOT allowed to do

Brian, u r lucky that u find our webs before the Vampire sucked u blood dried! Sue the Vampire and get ride of your CapitalOne Blood sucking evil card NOW!
Thu, Apr 05, 2007 12:52 pm / MessageType:        Complaint / HowDoFind:          Web Site search engine / FoundFrom:          google / sandra m* /sonn*@disney.com /  818 ******* / i charged $500 on the credit card, they offered me to settle with $500 a few years later when they increased my total due to over $1,000. Then they "wrote off" for IRS purposes and reported it to all 3 credit bureaus and now are suing me for over $2,000.  again the charges only amounted to $500
Thu, Mar 29, 2007 7:59 pm/  Grant W* / gsb*@hotmail.com /  (702)***-**** / I never received billing from mid-summer  2006...numerous calls/letters/agreements/notices of accounting errors etc. have created huge late-fees...double interest rates...rude collection calls...this is the only lender I have a problem with...please advise....
Thu, Mar 29, 2007 7:19 pm /        S Williams / gsb*@hotmail.com / (702) ***-**** / CapitalOne did not send statements for billing from summer of 2006...calling to ask got promises but no billing...dozens of times...various letters to abide with rep's advice and agreements did nothings...several notes from them admitting errors have been received. the billing received since has violated agreements & has huge late-fees,raised interest rates that would make a loan-shark envious...now there are the calls from collection that are rude & as corupt as c-one itself....I do have documents...the many phone calls are as one of the collection pucks rudely stated on a early Sunday morning...are not something i can prove. Will these congressmen ever address this tide of fraud that banks etc. get away with?????
Thu, Mar 15, 2007 2:15 pm / peter j m* / pet*@aol.com / i have always paid my bill on time and in excess of the minimum payment. as of my last statement my available balance was 1713. i wrote a conveince check for 1500 to pay off other credit cards. the check for 1500 was deposited into my account on 03/07/2007. at that time the funds were available. my wife mailed a check to the other card company on the 03/09/2007. after learning of the mistake, i called CapitalOne   and explained the situation and told them i was sending the money immediately on line to try to avoid any overlimit fees. the operator said everything should be fine and would make a note on my account. now on the 14th i was paying bills and noticed a 1500 returned check on my bank account which caused my person bank account to be over drawn. after talking with the first representative she said that was not right and transferred me to a customer service representative. she told me that on 3/9 that a team reviewed my account and decided to lower my credit limit by 1500 dollars. she stated the check took 3days to get to them and that it came in after the limit was lowered. she said they review credit periodically to come to this decision. also that my payment posted on the 14th but the second check posted also on the 14th (after only two days this time), but the check was posted in the morning and my payment was not calculated in until the end of day business was processed. she stated that this was just what was done and i should review my credit report. i then explain i just closed an 185000 loan where my score was 750. she then said they relly don't go be the score but by total revolving accounts. i asked her when they were planning on notifying me of the decrease, since they were the ones that sent me them conv. check with my last statement telling me to use the check that i had the available credit to transfer other accounts or "just use it for a vacation ". she said they did contact me. "they sent a letter out on the 9th". a week later and i still have not received this letter. it sure was convienent tha

Peter, their so-called "Customer Service" is in India. If u ask them to correct your record, they will tell u that they have no 'direct access' on 'Local Office', the 'Local office' will get their note in 3 to 5 days. When they tell u that u be fine, which mean u will get 3 to 5 more days of late charges.

Don't waste your time try to fix stuffs. Sue the Vampire before they suck your blood dried!

Thu, Mar 15, 2007 9:03 am /ella a* / coo*@yahoo.com / I had a credit card and i'm current paying for a car i got through CapitalOne  financing company and i've been paying late fee and over limited fee to pay all my bills for a year or more and i had the hardest time paying them off and when i finally did they black ball me through credit bureau and it was hard for me to buy a house and the bank wouldn't loan me enough to purchase the house i really wanted and had to settle for a lesser house and i'm writing to get information on a lawsuit that was filed on them email address: coolage45@yahoo.com and any other credit cards if you have the information availble it would be greatly appreciated. thanks, ella a*
Thu, Mar 15, 2007 3:55 am / RONALD M* /GRA*@BELLSOUTH .NET / 336 ******* /INTEREST RATE CHANGED, FOR NO REASON FROM FIXED TO VARIABLE RATE AND WENT FROM 8.9 TO 13.9. 10 YEAR WITH THEM I GUESS THEY NO LONGER WANT MY BUSINESS  NO HASSLE REALLY?
Thu, Feb 22, 2007 5:59 pm / lnd*@hotmail.com / 502******* / I had 2 CapitalOne   accounts that are now in collections due to a costly divorce. i recently did a annual credit report and found they have 3 accounts listed. how is this possible? The only reason I found out was because I was about to take them up on a settlement offer and as it turns out the account number was not one of mine. I have since sent a letter to their dispute department and am still waiting to hear something. does anyone have any advice on what else i could do? I also am having the same problem with providian. are they sticking my ex-husband cards on my credit report?
Mon, Feb 05, 2007 12:37 pm / MessageType:        Complaint /HowDoFind:          Web Site search engine / Gina / required-UserEmail: Tim*@aol.com /  231******* / I returned something that they are still charging me for. With absolutely no correspondence on their part they rebilled me 4 months later without reason or resolve! CapitalOne  sucks and I refuse to pay for this and they will pay for it.

Gina, only refuse to pay and complain won't do any good to u. CapitalOne will send u to debt collector, then they will file and ruin your credit report for the next 10 years! The only way to get your artery away from vampirism bite is to sue CapitalOne , Today!! NOW!!
Jason: I replaced astral symbol into your email, u won't get email anymore.

Please go ahead sue CapitalOne (for ID theft), they used your email and fake your ID to post their message on our webs. I will be totally with u on this, I still have their original email and everything. I will always give this evidence to u and the court if they need it.

CapitalOne  had been trying to post their BLOOD SUCKING EVIL message on our webs all the time. They try to post to say that all their credit card holders are all happy customers, that even their BLOOD SUCKING EVIL credit cards only come with $300 credit limit (WHY? so they can charge u the over-limit charge $69 on the next month) that all their victims got 2 more credit cards from them (WHY? so CapitalOne get to suck the blood 3 times, and they always give u more and more even u don't ask them to increase your credit limit) and live happy ever after.

This time they made it with your email, sorry about the mess up. I always give them my middle finger when I figure out they were using a fake emails again, but this time they got to use your ID and email and made it by approaching with different tones, so they start to use real people's ID, thinking because u r in trouble then u won't sue them even when u find out?! Sue CapitalOne !! Get this BLOOD SUCKING EVIL BANK close down!!
Re: Jason, let's hear it from u now / 1/28/2007 11:03:21 AM Pacific Standard Time /jas*@gmail.com/ I just got my email back today and I left some messages on your site before I got access again, I had a firewall that was blocking me from coming on my email it seems. I didn't post anything on your site and now some guy wants me to xfer 35 mill. I can't go to jail, I don't even work at a bank, I work for an office supply comany. Please stop doing this.

MessageType:        Problem
HowDoFind:          Referred
FoundFrom:          by email
UserName:           Jason
required-UserEmail: Jas*@gmail.com

Comments:
Hey,
I keep getting bad emails saying I work for capital one and shit and then I replied to one of them and they gave me this site. You guys think I work at capital one. Can you please stop spamming me and tell me why your saying this?
1/17/2007 5:49:50 PM Pacific Standard Time / MessageType:        Problem / HowDoFind:          Friends told /
FoundFrom:          damned capital one / UserName:           FOISTENE /required-UserEmail: ROS*ghland.net / UserTel:             cannot hear on phone / 2007/17/4 pm./foistene/roses2@highland net. CapitalOne  accout 5178-xxxx-xxxx, l had a CapitalOne , one card in 2004 a $300.00 credit card limit. l paid a credit card every money for 3 yrs now, what should l do, l want to my money back, l canceled my credit card my balance so high was almost them l owe $. 1,300.00,l canno't pay 90.00 a months, l only borowed cheap 300.00 in 2004. WHY IS MY BALANCE SO HIGH? L AM HANDICAPED, BOTH LOSS HEAR, ONE EYES, HEART PROPLEM, AND UNABLE TO WORK, I HAVE GO BACK THE HOSPITAL IN JAN.29.l go to law. please, CANCED MY OLD CREDIT CARD.
CAPITAL ONE  IS HUNGER - FINANCE-MONEY
Jason:
Let's hear what u have to answer now.
We have a typical victim from your boss CapitalOne , only borrowed $300.00. last late summer in 2004, and you made him pay $218 each month, and cheated him almost $2,000 over 3 years?!
What and how are u going to say about his complaint? Please answer now! (Let me remind u , The News and media r watching us, our viewers find our webs from the News ! You found our webs from the News too!)
 
I personal have one question for u too: I had post a viewer's message talking about CapitalOne closed down their so called CUSTOMER SERVICE office in one state (BECAUSE ONE WORKER suicide !!), and started to set up their so called CUSTOMER SERVICE in India (SO CapitalOne have cheaper foreign worker to go on sucking blood 24 hours and nobody will suicide again?).
Is it true that your CUSTOMER SERVICES closed down and never set up any more Customer Services in USA? When' where' how was that happened ???
The reason I REMIND u about this SUICIDE event is NOT that I want to see some CapitalOne worker kill themselves again (especially U !), what I really want to tell u is this, it's a damn EVIL job, if u feel guilty, u can leave the job and tell us the true (like the other former-workers who left the vampire and post their messages on our webs).
Also, if u don't think u can HELP and TEACH us (victims) how to handle their life, just say it, I WILL delete the last message u post, so nobody will email u and ask u no more.
Mon, Jan 15, 2007 9:46 pm / MessageType:        Complaint /HowDoFind:          News / FoundFrom:          captial one /  foistene h* / ros*@highland.net / UserTel:            my both hearing  loss / CapitalOne   l only borrowed $300.00. last late summer in 2004, l don't buy any thing for 3 years now.
l cannot pay 218.00 every months. dramn CapitalOne  is cheat owe my money almost $ 2.000.00, l paid every months for three years now?
WHY IS MY BALANCE SO HIGH, l am handicapped and unable to work, l had 4 heart attack , ulcers, nervous , over worried about a credit card up. my S.S. $595.00 every money.live old traiter. CapitalOne  is sold my money and cheat. l going to lawyer suite soon. l have 4 capital one is 3 unknow accunt-number?

Foistene, u r the perfect victim for the vampire CapitalOne  , they spent tons of money to promote their blood sucking evil credit card on TV, and mailing u their pre-approved application form until u fall for it and sign your name for them to suck your blood. Their TV commercials and mailing cost them at least $1,000 to catch a victim like u, basically if they don't charge u over $1,000 over your account, they will consider losing money on your account. DO NOT WAIT! DO NOT JUST COMPLAIN! According the laws, If u don't sue CapitalOne  within one year, they get to suck your blood for life!! Since u r handicapped, write the News and Media, they r always watching our web and always report our webs, still! U need to sue CapitalOne  yourself, NOW!! read on our webs, will see how other victims fight and escaped before they were sucked blood dried..
Sun, Jan 14, 2007 12:10 pm /MessageType:        Complaint / HowDoFind:          Web Site search engine /  denise l* / lin*@yahoo.com /  435 *** **** / ContactRequested:   ContactRequested /Comments: / Denise, U did not enter any comments. This is a DIY web site, U need to fight the vampire on your own. We r showing how other viewers fight. When u write the News or some media which are always help us all the time, u can mention about our web. also, u can always use our web and ask any viewer to be your group witness for your court. EVERY VIEWER post their complaints here are all with valid contact information. When u post your message here (don't worry, we never post your complete contact info on web, we only keep in our data library for whenever in need.
Fri, Jan 05, 2007 2:17 pm / michael d* / mde*@melrosepark.org /  708-******* / I have suck in like the rest of the people they own or they once owned CapitalOne  credit cards, because of this credit card company please somebody help me maybe in a big action lawsuit.
Sun, Dec 24, 2006 9:06 am /  thomas / rob*@aol.com / CapitalOne  charged me a late fee, even though i paid on time.
Tue, Dec 05, 2006 12:48 pm /  Nancy B* / nan*@aol.com /  219 *** **** / my complaint/problem is about my LOWE'S CapitalOne VISA. I have been trying for months to get them to post a promotional 12 month, no payment, no interest, which CapitalOne , not Lowe's (they did it correctly on charge slip) posted as a regular charge.  I purchased this item on 7/8/06 and have spent HOURS on the phone each month.  They have acknowledged, but somehow still charge me outrageous non payment fees, interest. They do reverse, after each time I call, and tell me it takes 3 billing periods to straighten out.  I say BS, it takes a nano second to put a charge on, but it takes 90 days to fix a problem that CapitalOne is solely responsible for screwing up.  I was told it was "company policy".  Unfortunately, now they have reported me to the credit bureaus, which is illegal, if I am disputing a charge.  I do not have to pay, nor are they allowed to report to the credit bureau while an amount is in dispute. By the way, my credit rating was 843, now these scum suckers are screwing that up.  Of course, if will take them 90 days to get it to the credit bureau, and another 90 for the credit bureau to erase.  In the meantime, they make me look like a deadbeat.  I am so p.o. at them, I spoke to CapitalOne yesterday 12/4/06 and the rep. tried to tell me my Promo was for interest only, BS, I said again to him, get Lowe's on the phone, he got the mgr. on and the Lowe's Mgr. said Lowe's Promos for the last TWO YEARS have been 0 interest 0 payment for 12 months.  I then said (with Lowe's on phone) didn't you try to help me with CapitalOne and they refused to speak with you, and didn't your associate Kim call on my behalf and CapitalOne refused to speak, and didn't I contact Lowe's Home Office who wrote CapitalOne and called and got nowhere with CapitalOne ?  He answered I was correct, the CapitalOne Rep couldn't wait for that conversation to end.  I was then put on hold, Rep came back and told me Lowe's entered Promo wrong, again, I said BS, I purchased several appliance over a year(also had problems, every Promo I had went in as too reg. charge) and I have such a paper trail with these scum bags, I know I would win in court, they are completely wrong, have lied to me, and have illegally reported me to the credit bureau while this is in dispute.  My stomach goes into knots when I receive my billing. My July-Aug billing I received finance charges of $123.73, August-September billing credited my account $123.73. Sept.-Oct. billing finance charge $13.80, past due fee $35.00. Oct.-Nov. billing credited back $13.80, $35.00, but now has charged me another $35.00 and $14.30, is threatening to suspend my account and demands payment of $89.00. I have had it, I want to sue for the BS they have put me through.
Tue, Dec 05, 2006 11:31 am / kenneth h* / ken*@cox.net /  402-***-**** / I need corp. headquarters' address, and names of president, vice president, and chief exc. officer. / dischaged credit card with assignment of particial interest, they refused tender, and that discharges the debt, as per NE C.C. sec 3-603 (tender of payment) they had me incarcerated, because I would not sign as judgement debetor.

Kenneth, u will just waste your time. When u contact them, they will forward your letter to their so call 'customer service'. And they set up their so called 'customer service' at India!! Yes, another country. Sue the vampire! NOW!
Sat, Dec 02, 2006 4:10 pm / Curtis W K* / cur*@rushmore.com /  605-***-**** / I have been a Capital One user for over one year and have kept up with payments until recently. I have been harrased by collections every other day and am very disatisfide with the lack of compassion by them and no regards to my financial situation. Therefore I would be interested in joining this class action against them.

Cutis, class action takes too long, and only the attorney getting big settlement money. Sue the vampire! NOW!
Wed, Nov 22, 2006 6:54 pm / Suggestion /HowDoFind:          News / FoundFrom:          CNN /  Jason / Jas*@gmail.com / Your an idiot. You don't know how to manage credit so you blame the company, along with the other posters here. CapitalOne  is a great company - better than most. I happen to work for CapitalOne  and I also have a card from them. I have absolutely no problems so long as I pay my bill on time and don't go overlimit. I'd be more than happy to educate you, although I doubt I will be able too as you hate CapitalOne and probably dont understand anything. Give me an email back if you want my help.

Jason, u dare to write us and call everybody 'idiot' except yourself?! Fine, u ask for it, I never post viewer's complete email address on web so they won't get bother. But I'm going to make a exception to u, because u r not a CapitalOne  victim, and what u r? waaaa, u r a proud worker for the blood sucking evil CapitalOne  !

This time I change my mind. I'm going to post your email address complete and clearly here, you will see what what kind of email our viewers will hit u. Jason, I know u r not a simple mind worker there. Last time some supervisor from your evil office emailed me with a fake email address, U vampires try to post this kind of message on our webs?! r u stupid?! of course I won't post her message at all. I'm not running our webs to help u promote your blood sucking evil credit card.

Jason, u made it this time. I post your email address complete and valid here. Have FUN!!

Viewer, when u write this JASON guy, if he has nothing to educate u but than telling u that he can make 30% off, 40% off, or 70% off of your CapitalOne  charge fees' interest fees ' overlimit fees and all kind of blood sucking fees, tell JASON to go to hell!!

Here is some message from someone who worked at CapitalOne : (Click it to read details plez)

Former Employee tells truth /Pros: Good employee benefits
 Cons: Terrible attitude toward cardholders /...Needless to say, I no longer work for the company. I found it difficult to justify how the company conducted their business and just didn't feel good teaching employees how to rip off our customers. Oh yeah, check those statements good. Lots of things just happen to appear by mistake. Don't believe that one either. So take it from someone who was on the inside...
Pros: Good employee benefits
 Cons: Terrible attitude toward cardholders
After reading some of the horror stories about CapitalOne, I just wanted to give an inside view. I worked for Capital 1 for over 2 years as a sales trainer. I have some insight and some advice. Insight: In 1998, 80% of their profit came from fees. Not interest, just fees. Late, overlimit, and membership. Advice: If you are charged a fee, regardless of what type, and you feel it is incorrect- call and speak to a supervisor/manager. Overlimit fees will always be waived. If your payment is 3 days or less that will always be waived also. If it's past three days, still call and speak to a manager/supervisor, they will waive it as well. APR can be lowered by request. Basically, associates are only able to do so much, so don't waste your time...speak directly to a manager. When speaking to a manager mention contacting the Better Business Bureau, State attorney general or the news media. If you still do not get satisfaction, speak to their manager and so forth.
Needless to say, I no longer work for the company. I found it difficult to justify how the company conducted their business and just didn't feel good teaching employees how to rip off our customers. Oh yeah, check those statements good. Lots of things just happen to appear by mistake. Don't believe that one either.
So take it from someone who was on the inside...
Fri, Oct 27, 2006 10:52 pm /DEE / TYM*@AOL.COM / CapitalOne  HAS PLACED A JUDGMENT ON ME FROM MY COUSIN'S CREDIT CARD AS A JOINT APPLICANT. I WAS NEVER A JOINT BACK IN 1999 LIKE THEY REPORTED TO ALL THE CREDIT BUREAUS AND COURT. I WAS A AUTHORIZED USER ONLY AND WAS PLACED ON THE CARD IN 2003. THEY LIED AND KNOW ARE HARASSING  AND THREATENING TO SEND ME TO JAIL IF I DON'T PAY. I LOVE TO FIGHT. I AM TAKING THEM TO COURT NEXT MONTH AND FIGHTING TO DISPUTE CHARGES. THEY  ARE ALSO HARASSING MY COUSIN WHO IS KNOW IN A NURSING HOME.

Dee, Fight the vampire and let us know the result, u can always mention about what u learn from our web. Every posting come from real people with proper contact information if u need us to be your witness. Don't get scared ifthey try to show u that they r filthy wealthy and they can do anything to u, they CAN'T! Don't get tricked, last time one of our viewer mentioned about they sent him a letter saying they got the letter from the court even there wasn't any court yet.
Wed, Oct 18, 2006 3:58 pm / Yvette / Kan*@bellsouth.net / 305 ***-**** / Two years ago, I paid off my CapitalOne  account. Through their error the balance was not posted into my account. Since then they have been running up finance charges. They have resorted to harassment to force me to pay what I do not owe.
Thu, Oct 05, 2006 3:31 am / Diane / bal*@hotmail.com /  713-***-**** /
I've had this CapitalOne   account for over a year. When I realized that they weren't reporting the credit limit to the bureau I decided to have the account closed. I called them in August (11) to have this account closed, but it has yet to happen. At that time I spoke to 3 representatives and 1 supervisor who assured me that if no charges where made within that 30 day period the account would be closed. I asked if they would send something in writing showing that I closed the account. One week later I received a letter from CapitalOne   informing me that I had a zero balance, but nothing stating that the account had been closed. I decided to check the card today and sure enough the account is still opened, but this time with a $39.00 annual fee.

I called and spoke with "Jennifer" and another rep. who (again) assured me that they too would make sure the account was closed and remove the $39.00 annual fee. Jennifer did explain that she saw where I'd requested in August for the account to be closed, but wasn't sure why it was still opened (It's now October). I told her to close the account, but this time I will be sending a certified letter with the card (cut in half) requesting the cancellation.

Not only does CapitalOne   hender customers by not reporting the credit limit, but they also try and trap you with unnecessary fees. The card (minus the bogus $39.00 membership fee) is at a zero balance. As soon as this card is cleared I will never consider getting another one of their cards again. They are nothing, but a rip off!
Sun, Oct 01, 2006 10:02 am / Delois S* / tsh*@bellsouth.net / 770-***-**** / I had an account with CapitalOne and lost the card. When I called CapitalOne  to advise them that I needed a new card, they took it upon themselves to open up  additional credit. When I received the card, I thought it was for the credit that I already had, because I did not know the credit card number. When the bills would come in, I would pay one of the credit cards thinking that I was paying my bill. I later found out that I had 2 separate cards from them and by this time they were constantly harassing me and sending information for me to open up additional credit cards. This is the worst company that I have ever encountered. I tried to tell them that I should have only had one account with them and they continued to tell me that there were 2 accts. and it was my responsibility to pay them off. Something needs to be done about the way CapitalOne  does business.
Tue, Sep 26, 2006 9:40 am / rhonda / rho*@yahoo.com /  814-***-**** / Being sued by CapitalOne bank for cards i paid on 4 years ago.. have setteled one and now being sued for another.. not sure what to do as i don't want to go to court. i have paid and paid on these cards, but they kept adding fees over and over.. i am just sick about this and don't work , and can't borrow the money they now want.. the first i settled for was over a 1000.00 and now i have another 1,000. due this friday and i don't have  it.. help......
2006/4/19 P.M. 04:38:11 / Rachel / luc*@yahoo.com / CapitalOne  trying to sue me and garnish wages. Have been getting rude, harassing letters, calls. I live on the Gulf Coast (Katrina). They did not seem to care.

Rachel, fight back! View our webs and u will learn how to beat those Vampires!

2006/4/14 P.M. 11:41:32 / Complaint /HowDoFind: Web Site search engine /FoundFrom: google / Rebecca B* / mur*@yahoo.com / 502-***-**** / I was decieved by CapitalOne  from the beginning about fees, interest rate, etc., Then I was sucked into paying extra for protection, that would pay my bill if I didn't work for a while. When that happened and I called them , they said That since I was a self imployed Mural Artist that the agreement was invalid, even though I had payed a monthly fee for that option for over a year. They never returned that portion of my payment and now since my house burned down I don't have much documentation. I have also defaulted on my card and they are sueing me. My card was payed off last April then my son borrowed it for a trip. He ran it up to 290. and was supposed to pay it off, they added a yearly fee that month which put it over the 300. limit and charged me 29. over the limit fee. Now one year later they say I owe them over $700.

Rebecca, whatever they do, they just need to do one thing, collect at least $1,000 from u or else they r losing money on your account because it cost them $1,000 to get a new blood like u! Sue the Vampire!!
 2006/3/23 A.M. 08:32:08 / JOHN C* / jch*@aol.com / 310 *** **** / SO FRENCKEN CONFUSING! ALL WE NEED TO FIND TE FINANCING FOR MY SON TO PURCHAS A NEW CAR JOHN C* HANDICAPPED PERSON . no need to call me. my wife will shut you off immediately. call me during the day time

John, u got the wrong idea about our web site, we r NOT CapitalOne  blood sucking evil card itself. We r the CapitalOne  victims group together to fight the vampire. CapitalOne  spend millions of money to promo their CapitalOne  blood sucking card, all they want is to make u call! To get your signature. CapitalOne  spend tons of money to get u, once when u r IN, they need to charge u at least $1,000 from u, or else they will consider they lose money on u. Usually their over-limit charges' late charges (read our web and u will see, doesn't matter when and how u pay their bill, u ALWAYS get the late charge!) r never collecting quick enough, so they will give u another 2 more of their CapitalOne  NO-HASSLE cards so they can charge u three times faster. (Another 2 more?! How great! 3 times hell. What can they do to OVER-LIMIT fees? Don't they tell u that u will get a $15,000 credit limit card? Guess what. u will receive a card of $200 credit limit only! Even a gas card got higher limit than this CapitalOne card!)

Handicapped and new blood who is anxious to get the credit r their perfect victim! u stay home a lots, watching their CapitalOne  NO HASSLE REWARDS' commercial every 10 minutes, receiving their CapitalOne  NO HASSLE' offer by mails every week. (CapitalOne  spend such millions dollars to get u trapped, think! what they r gonna do when u finally give them your name?! Read our web u will see what's happening to other victims. Most of victims complain about whatever is too late and what shall they do, but if u read it carefully, u will see some winner had kindly fill in the helpful tips after they bated the vampire.)

It's too late to warn u now, u called them, they got u! But it's never too late to fight back!

p.s. some more tips for 'Victims afterward':

1.When u finally managed to mail them a check to pay off their endless charges so u can close their blood sucking evil card, they will HIDE your check! YES, they will tell u that your check never received, and after 2 or 3 months when u get the proof that your check was there, there r already tons of late fees and over-limit fees waiting for u to contact them to straight up the hell.

2.CapitalOne  set up their CapitalOne services in foreign country, they speak English there, but u can still figure out by their accents, it's cheaper there, also it's guaranty that your late fees shall be always 2 more days extra because the SERVICE will tell u that "the local office is closed right now, but we will forward your record to it ASAP".

3.One viewer had complain about some services (collection department from CapitalOne , they even have a attorney with young voice, and he told people that his name is Mr. James, no last name, no first name, just 'Mr.James'.) called and gave 60% discount if he call their number to transfer the balance, so he dialed the number and enter his banking account, and next day, all his money was gone! The complaint submitted without decent contact information, we can not post the complaint without decent contact info, but we post all complaints and keep the contact info to our very private system.
2006/3/11 P.M. 05:20:53 / Dennis J* / Dje*@yahoo.com / 914******* / I settled my balance with CapitalOne  and they refuse to note this on my credit report.
2006/2/22 A.M. 11:51:56 / mary h* / mar*@yahoo.com / 773******* / tooooooooooo much interest rate, late fees and over the limit fees even though the account is close they still charge interest rate
2006/2/22 P.M. 05:30:25 /MessageType: Complaint /HowDoFind: (Other) /FoundFrom: askjeeves.com / Valerie S* / tlc*@yahoo.com / 915-***-**** / I have had an acct. with CapitalOne  and this acct. started going down hill when I was charged a late fee and this late fee caused my acct. to become over the limit and I have never been able to get under the credit limit ever since. I would like to negotiate a settlement with CapitalOne  and have this acct. re-aged so that it doesn't continue to hurt my credit score.
2006/2/20 A.M. 10:57:51 / MessageType: Complaint / HowDoFind: Web Site search engine /FoundFrom: http://www.capital1card.com/CapitalOne200110.htm / K daigle / tad*@yahoo.com / 425******* /
 CapitalOne  raised my interest rate after one late bill. I have been a loyal customer for 6 years, paying off several charges and doing frequent balance transfers. When I requested them to reduce my rate they refused very rudely and I told them to close my account. The customer service rep stated that it was in pending closed status until my balance was zero for one full billing cycle. I spoke to this reps :supervisor: who refused to help me. I told her to leave my account open, I would spend my reward miles pay off my balance then close my account. this rep informed me i had lost my miles by requesting my account to be closed. No one ever told me that would happen. They refused to return my miles although my account is still open and I can still charge on it. So they refused to close it, took my miles and would not reduce my rate. And to top it off, I told this supervisor -Kim- I wanted to speak to her supervisor and she told me there was no one above her. Hummm, she wasn't the president who by the way will not speak to customers. She also told me I would have a phone call from someone in 24-48 hours after I demanded someone else call me back. It has been four days and no phone call. Their email customer service told me I would need to handle this over the phone. Well I cannot get any help any where.
2006/2/19 A.M. 07:38:28 / mike n* / mik*@yahoo.com / 954-***-**** / I requested a lower interest rate after receiving an offer from CapitalOne  for a new account, and the gave me a story that I really believe is based on It is obvious that your company red lines their customers, and based on their ethnicity, and discriminatation or "red line" customers addresses. I have already cancelled one of my accounts based on their written response of having different products.... Yea right, and may cancel the other 2....
2006/2/3 P.M. 01:03:20 / MessageType: Complaint / HowDoFind: (Other) / FoundFrom: Yahoo search / Erin / elfw*@hotmail.com / 336-***-**** / I opened my No hassle miles card in September '05. Although they are supposed to open up a rewards account the minute you activate your card, they did not with mine. After many phone calls, they finally admitted that I was 1 of hundres of people they did this to, and that I would finally be able to see my miles points in Febraury. I can see them now, but they are refusing to apply the initial 5,000 miles (in the contract, they say they'll apply 5,000 miles with your first purchase). They say that I am now under a new contract, and they are not required to give me the 5000 miles. This is a breach of contract. Has anyone else experienced this?????????
2006/2/2 A.M. 03:15:42 / MessageType: Complaint / HowDoFind: (Other) / FoundFrom: google / Anna M* / itwi*@earthlink.net / 386-***-**** / I am being sued by Capital One. Originally, I owed them approximately $300.00,I tried to resolve an issue with them and the person representing CapitalOne was unprofessional and insulting, and never tried to resolve my issue, so I told her I would pay once I received a satisfactory answer, and now I owe OVER $3,000.00 in fines.
2006/2/1 P.M. 08:54:22 /MessageType: Problem / HowDoFind: Web Site search engine / FoundFrom: yahoo / David C* /required-UserEmail: pap*@yahoo.com / 781-***-**** /FAX: 617-***-**** / How does your complaint process work? Do you get results? I'm considering a lawsuit. Thanks.

David, sue the vampire NOW!! or else u will get more of  late charges every day. Also, in some area, u only allowed to sue within 1 year!!
2006/1/8 P.M. 06:06:02 / shelbie s* / ssk*@netzero.com / 440******* / This is an update of my case of ID theft and CapitalOne. My pay was garnished for a credit card I never opened. The garnishment of my pay could have been avoided. CapitalOne was negligent in issuing this credit card based on flimsy personal information submitted by the thief. The thief only had to provide my DOB and SSN. CapitalOne was negligent in their failure to conduct a proper investigation of the ID theft. When I contacted CapitalOne and made them aware of the ID theft they should have immediately initiated an investigation and that is according to CapitalOne’s own website (http://www.capitalone.com/credit101/fraud/victiminfo.shtml). Instead CapitalOne garnished my pay. CapitalOne attacked me and refused to tell me what kind of information I could provide in order to assist in the investigation. I was forced to try to resolve this issue without the help of CapitalOne. Both CapitalOne’s fraud operations and collections departments ignored my request for information and assistance. They ignored the evidence I submitted proving I was not in Detroit, Michigan during this time. Every certified letter I sent CapitalOne was ignored. CapitalOne made a mistake and refused to correct or acknowledge their mistake. CapitalOne refused to acknowledge the fact they extended credit to someone pretending to be me. CapitalOne chose to ignore the ID theft affidavit I submitted. CapitalOne chose to ignore my request for copies of account documents. CapitalOne chose not to take a report or initiate an investigation into my ID theft claim. In CapitalOne’s zeal to increase the number of card holders, CapitalOne failed to properly verify the personal information being submitted and failed to request enough personal information in order to sufficiently verify identity. CapitalOne chose to ignore my request to remove my name from this account and from the judgment until finally a ruling was issued in my favor by the 36th District Court. I was prepared to present a mountain of evidence to prove my case, but the lawyer for CapitalOne agreed the card was the result of ID theft before the trial began. The lawyer was dead set against me receiving anything other than the money CapitalOne fraudulently garnished from my pay, but the judge thought otherwise and awarded me the out of pocket expenses.

I believe the turn around by CapitalOne was due to my complaint filed with the FRB. I would suggest others use them to file complaints against CapitalOne.

 Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
Complaint Section
20th and C Streets NW Stop 801
Washington DC 20551
202-452-3693
www.federalreserve.gov

I have since received a reimbursement check from CapitalOne for the fraudulent garnishment and for my out of pocket expenses.

2005/12/28 A.M. 09:59:57 P/MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: /UserName: A very loyal customer of K-mart../required-UserEmail: jjjj /UserTel: kkkkk /UserFAX: ooooo /ContactRequested: /Comments: .............
We can't post your message even it's complaint about CapitalOne bank because u didn't enter any decent contact info,
2005/12/27 P.M. 02:00:23 /Gerri A* / Sun*@yahoo.com / 435-***-**** / Please send me info on Capital One lawsuit
2005/12/15 A.M. 07:51:28 /MessageType: Complaint / HowDoFind: Web Site search engine / FoundFrom: yahoo / Tim B* / tim*@yahoo.com / CapitalOne is defrauding me by charging undue late fees and increasing my APR by over 400%. They are slow in processing payments and have even not credited a payment to justify the APR increase.
 2005/12/5 A.M. 08:15:12 Pacific / Donna C* / web*@cox.net / 479******* / Where do you file the bad complaints if I send you all my prooof? I made an error on the complaint I sent. The inquires were NOT MINE. I left out the NOT and made it look like they were mine.   2005/12/5 A.M. 08:03:22 /FoundFrom: google / I had a score of 697 on my credit. I applied for a printer lease and ws turned down and that prompted me to check my credit report. I then found a "charge off" that ws not mine. So....I filed disputes through the credit bureaus. I never got any results so I filed again. Little did I know that each time I filed, that was causing my credit score to drop. I had 697 at the end of May and three months later, had 635 and the last time I checked it was below 600. I have five creditors and have NEVER been late. I have paid anywhere between $200 to $400 per month to each one but tring to fix my credit has made it worse. I also had about 8 inquiries on my file until I started trying to fix it and now I have 64. They are mine but I have no way to prove it and the more I try the further my score drops. They tried to get me to buy "identify theft" stff, credit monitoring and all that stuff and when I refused, all this other stuff, bad accounts and a zillion inquires showed up on my report. So...as my last resort, I have sent my file to the FTC in Washington DC, hoping that I can force the credit bureaus to fix my file back. My score should be about 750 - 800. I have proof of every payment made. I have printed off every statement of my CapitalOne MC, Household bank MC, Dell, GE and Visa. The cc companies have not cheated me. It is the credit bureaus that are placing info that is not mine because I would not pay them to monitor my credit.
2005/11/30 A.M. 11:25:38 /Dan B*  / drb*@yahoo.com / A recent change in redemption policy reduced the cash value of my accumulated
miles by 1/2. Thus turning the ~70,000 miles I had (worth ~$700) into a value of only ~$350. Notice, if actually sent, was not obvious enough amongst all the other mailings from CapitalOne. to catch my eye and make me aware of the need for action on my part to protect the value of my miles. Customer service was not inclined to help in any meaningful way.

Dan, the Customer Services is mean to charge u more fees and add your late fees 2 more days because "the local office is not IN, but your claim will be sent". Where r these Customer Services if they r not LOCAL?  Check it out from their English accents, they r in India, CapitalOne. set it up there because it's cheap there.
2005/11/18 P.M. 06:15:09 / Kris B* / kri*@hotmail.com / 360-***-**** / my husband was injured on the job when we fell behind in payments, soon after they started to call to collect I asked CapitalOne.to please allow us a minimum payment, every person I spoke with told me I needed to pay the total over my limit due, they charged me a late fee of 29.00 then tacked on another fee of 29.00 for being over my limit, there was no end, they finally sued us for over 1200.00 for each of the 3 cards we had, when we only had balances of 600.00 or so on each card. they are bloodsuckers. and it still shows i owe money to them!!

Kris, sue the vampires now!
2005/10/27 P.M. 12:25:49 / Daveda N* / Enn*@aol.com / CapitalOne. has not sent a statement to me for 3 months and insists that they have no idea why there is no statement. I have asked them to fix the problem, using calls to customer service and a letter enclosed with a payment i sent in a regular envelope because of the lack of a statement. They keep on charging me late fees no matter what I do. I try to pay by phone to get it in on time and they want $10.00 to make a payment by phone. Now my account is overlimit adding new fees, and I have no idea why this is happening because I dont have any statements.

Sue the vampire and pull your neck away from CapitalOne.ASAP!!
2005/10/26 P.M. 1/MARY K* / DOG*@YAHOO.COM /Comments:

mary, u did not enter any Comment, this message will be take away if we don't see u resend soon.
2005/10/25 P.M. 09:34:57 / Shelbie S* / ssk*@netzero.com / 440 ***-**** / I have never opened a CapitalOne account, but upon reviewing my credit report on 24 Aug 2005, I noticed a CapitalOne account charged off and a judgment in 36th District Court in Detroit, Michigan issued on Dec 2004. I don’t live in Detroit now or during the time this card was opened. The card was issued in March 2002. I contacted the credit bureaus to remove the fraudulent information and they refuse. I contacted CapitalOne (1800 955-7070/ 1800 239-7054/ 1800 258-9319) to inform them of the ID theft. I was unable to resolve over the phone. I was transferred to various departments and they hung up on me several times, but I kept calling back. I called their collection agent (the law office of Mary Jane Elliott 248 306-2000); I request to supply evidence proving debt is not mine. Agent refuses to state what evidence is needed because they could not give me legal advice and they also hung up on me.

On 28 Sep 2005, I called the Detroit police (313 596-5900). I was told to file a report where I reside. I filed a police report locally (05-24222) (440 871-3311). I placed a 90-day alert on my credit report and filed a complaint with FTC (ref#6832758).

On 30 Sep 2005, I mailed certified letter with receipt to CapitalOne Fraud Operations and one to CapitalOne Collections, notifying them of the ID theft along with ID theft affidavit, state driver’s license, proof of residency during the ID theft.

On 5 Oct 2005, I received email notification of garnishment from Celia Vazquez (216 204-1698) garnishment will begin on 7 Oct 2005. I called the 36th District Court, Detroit, MI (313 965-6144) for paperwork to dispute the garnishment.

On 13 Oct 2005, I filed a complaint with the Michigan State Attorney General Office (AG# 200515038).

On 25 Oct 2005, I filed a complaint with Comptroller of the currency Administrator of National Banks (www.occ.treas.gov/customer.htm

I believed I’ve contacted the appropriate organizations, but I still haven’t received a solution yet, meanwhile I lost $500 from my last paycheck for a debt I never created. The garnishment is supposed to run through Dec 2005. What else can I do? I haven’t heard back from 36th District Court, but I’m looking forward to my day in court.
2005/10/4 P.M. 12:30:12 / MessageType: Complaint /HowDoFind: (Other) / LATOSHA / BLE*@YAHOO.COM / 864******* / please help me I owe them almost $700.00 I called to cancel my card to avoid all them crazy fees and I kept asking them are their sure that by me canceling my card and still make payments when i get the money will all fees be cut off...They said YES BUT I AM BEING CHARGED FOR LATE FEES, MONTHLY FEES AND OVER DRAFT FEES......PLEASE HELP ME I AM GETTING STRESSED OUT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

latosha, since u post your complaint here, u should have read and learn what these vampires doing to other victims already!! don't u ever learn how to fight these vampire yet?! don't bother  asking mercy from the vampire, they r sucking your blood! That is their job, that is how they survive! That's what kind of blood sucking rewards u r getting!!
2005/8/25 A.M. 07:18:35 / MessageType: Complaint /HowDoFind: News /FoundFrom: / LORI B* / lor*@optonline.net / 914******* / I have had two CapitalOne.cards for five years and three years. The first card was secured and after three years of good payments I requested that my security deposit be refunded-they refused however they gave me a higher limit unsecured card-clearly I was a good standing customer so why did they keep my deposit? I canceled the secured card asking to use my 250.00 deposit in the account which was 300.00-they refused stating that I had to pay the card in full then they would refund the security deposit-is that legal? Anyway I made the minimum payment and they claimed that they got it late charging me a late fee which put me overlimit. I agreed to pay the 300.00 but refused to pay the late and overlimit fees. Ultimately they accumulated fees bringing my account to 750.00 put it in collection at that amount and never even deducted or accounted for the funds that they still have for security. Now I have this current card with them again good standing for years and suddenly I sign up for online payments. I get the next bill in the mail stating that I was late then overlimit because the E-check didn't clear I call my bank manager who called them to say that they never even tried to put through a check online and that I had plenty of money to cover it-they refused to remove the fees and disregarded everything the bank manger explained to them. HELP before the same thing happens again where can I go to take care of this is there a commission???
2005/8/17 P.M. 08:39:53 / bute*@yahoo.com / called CapitalOne. back in june to report 2 credit cards missing, later found i had misplaced them, but they were cancelled, and was told i would get new ones in about 14 days. I was told they came back to them, because i had given them my street address ,and not my mailing address, I informed them that having an account with them as long as i had they new my mailing address by looking on my file. I ask them to just send my statements so i could send my payment on time i made approx 5 calls asking for my statements, ok my payment is due on the 19th of each month, and my statement was received on the 20th with a 35.00,dollar charge on one of them, and 29.00 dollars on the other. I informed them i didn't owe a late charge because they failed to send out my statements, so I received my statement for one of my cards for the month of aug.,so i called about the other one, and was told they would send another one even though they said they had already sent it. I deducted the late charge from the statement i did get, and sent it on out. I waited for the other statement, but it never came, so i called again, and was told it came back to them even though the correct address was on it.I ask what they expected me to do, that i did not plan to just mail them a money order without a statement or an account # to post on it, I ask for the account #.and was told they could not give me that info., so i ask for the last 4 digits,& was given that. I had no idea what amt to send, so i sent a payment of 50.00 dollars,when i told them i wasn't going to pay the late charges i was told they would add more if i didn't. I have had nothing but problem with capital since june when i called about the cards. I was searching the web tonight ,and found a # to call, the lady was very nice and listened while i explained what had happened the last 3 months.I was told by this lady that she could straightened this mess out for me & was sorry for the rudeness these people had shown me.I trust that she will. I certainly don't think i will ever feel secure with CapitalOne. bank again. thank Louise C*,Manchester,Ga.

Louise, let me tell u one thing, some lady from CapitalOne tried to post therr message on our web by a FAKE contact info!! their salary depending on how much charges and fees they can ever squeeze out from u!! One regular trick is that they will charge u whatever and however they can, then the next guy will offer u 70% to settle. If u still refuse, the next guy will offer u 60% off. I once finally got the offer down to 30% off if I would willing to pay any. But they won't offer u any discount anymore after 1 year! Because u will lose the chance to sue them after 1 year.
2005/8/16 P.M. 12:58:33 / MessageType: Problem / HowDoFind: Web Site search engine / FoundFrom: google search / Kelly R. H* / kel*@ftc.fiserv.com / 303-***-**** / I am concerned because I recently responded to a credit card offer. I did not request the acct number right away online but they are sending a credit card in the mail. After reading this website, I don't want to have anything to do with CapitalOne. I will not activate the card or use it.-How can I assure that they will not give me trouble?

Kelly, u r in trouble already! but u r lucky that u find our web before it's too late! Most of our viewers didn't learn to sue the vampire in the first year (and in some city, u only allowed to sue the bank within one year or so).CapitalOne is the only bank spending tons of money on TV promotion to entice the new blood every day. It cost them averagely $1,000 to mail out the bucket  mails of pre-approved NO-HASSLE-REWARDS to get one new victim, so basically if  CapitalOne have not charge u upto $1,000, they will consider they lose money on your account. 

U need to call' write (and keep all the records for the evidence for later) to tell them that u don't want their NO-HASSLE REWARDS at all! (Or else the day u open their new card, there will be a $69 annual fees automatically charge already!) If the card is already there, never activate it, cut it into half and mail it back to them with a letter tell them u do not activate it, and u DO NOT want their card! Tell them that u have read our webs and post your message already, tell them that u read our web and already learn all the tricks they do!

Yep, they don't call their credit card "Capital One Card" anymore!! Why not? because we started our http://www.capitalOneCard.us . then they changed their TV promo into no-hassle card, so we started another http://www.no-hassleCard.com, then they changed their promo into "no-hassle-rewards". Kelly, please tell them that u find all the victims on http://www.no-hassle-rewards.com

2005/7/29 P.M. 09:13:03 / CAROL H* / CAR*@YAHOO.COM / I SEND IN MONEY ORDERS FOR MY PAYMENTS TO CapitalOne. I JUST GOT A CALL FROM THEM SAYING I DIDN'T MAKE A PAYMENT SINCE APRIL. I KNOW I DID. CALLED THE MONEY ORDER COMPANY TO GET WHAT I NEED I NOW HAVE TO PAY TO GET THE PROVE OF PAYMENT OR THAT THE MONEY ORDER MAY OF BEEN CASHED. NEVER EVEN GOT A NOTICE SAYING I MISSED PAYMENTS. SO WHAT GIVES HERE . I HAVE ANOTHER ACCOUNT WITH CapitalOne NEVER A PROBLEM WITH THAT ONE SO WHY ALWAYS THIS ONE ACCOUNT I WISH I KNEW. SOMETHING SURE SMELLS FISHY HERE . NEXT TIME THIS HAPPENS I WILL SEE MY LAWYER ON THIS AND ALSO WILL GO TO OUR LOCAL TV STATION AND HAVE THEM INVESTIGATE CapitalOne. I FEEL THEY AS A COMPANY NEEDS TO CHECK THEIR PEOPLE OUT WHO ARE HANDLING THE PAYMENTS . I'M NO SAINT BUT I SURE DON'T GO AROUND AND TRY TO SCREW PEOPLE OUT OF MONEY. I WILL PAY THIS TIME BUT I CAN ASSURE YOU IF THIS HAPPENS AGAIN I WILL NOT PAY A DIME. ALL MY PAYMENTS FROM NOW ON WILL BE COPIED. I DON'T WORRY ABOUT PEOPLE TRYING TO TAKE OVER YOUR ID I WORRY ABOUT THE CREDIT CARD COMPANY FRAUD . MAKES NO SENSE TO WHY I AM HAVING SUCH A PROBLEM WITH ONE ACCOUNT BUT YET NOT THE OTHER ACCOUNT WITH THE SAME COMPANY. THANK YOU
2005/7/23 P.M. 10:16:24 Pacific / matt w* / vei*@gmail.com / 706-***-**** / I have a similar problem with these people and also Cross Country bank. Although my credit report is somewhat accurate it is still a hassle. It has been about 5 years since this has happened to me. I also requested my account to be closed so as that i would not receive the overlimit and late charges, of course this never happened. Now i think about it they did settle wit me but a few weeks after they received my payment I received an arbitration letter in the mail. I see why now. They r nothing but a bunch of dirty bitches!! Also I would like a copy of the list of people that are already taking action on this so maybe i can send it to the credit bureaus and get this straightened out. It says you need my evidence to assure you that im real. Since the happened several years ago I have no hard evidence except what shows on my report. Basically its my word against theirs. Also its from my understanding that if you offer them payment and you have evident of this letters or recordings. If they deny you all you have to do is send it to the credit bureaus and they will delete them from your file.

matt, in some area, u can NOT sue the vampire for the over-1-year-old-credit-issue. Pay the most attention to your next month statement' find out the date they cashed your payment from your bank records and if CapitalOne  still post it as LATE,  and sue them for the current matter. U can always learn how to fight after u view our webs and find the witness with same experience from CapitalOne .

What's happening to all the victims is, when u send CapitalOne  the whole payment to close your CapitalOne  , CapitalOne  ALWAYS hide your payment and pretend that they never receive it ! And CapitalOne  will insist that u spend $10 to buy the photo copy of your own bank checking account to prove that your check does go throu, it usually take more than 2 months, then after u do the whole document procedures, CapitalOne  will credit back the amount that u finally prove u sent, but they will be more of fees and charges here and there, and u never get close your 24 hours CapitalOne   nightmare, that's happening to u?! It happened to everybody!
2005/7/22 P.M. 09:04:34 /MessageType: Complaint /HowDoFind: (Other) /FoundFrom: Looking for Corp. Office / MC H* / mch*@lycos.com / 941-***-**** / CapitalOne  SUCKS! A very rude account rep. hung up on me after giving me incorrect legal advise. He hung up when I informed him he was mistaken. When I called to complain to the supervisor they were unable to track the employee even though I had his name. I called several times and only twice spoke to someone in the US. The people in India did not have access to account data. This was an easy matter to handle. I'm not sure I trust them with my account. What would happen if I really needed their assistance?

MC, u need to read through our web, u shall see that we even have some messages r from CapitalOne 's former worker (yea, including the reps from India, what they said? They have to take at least 100 phone calls from victims each day), u shall see what's happening to CapitalOne and u! CapitalOne set up their 800 toll Non-free long distance (so called "CapitalOne Service") in India, India Service have NO access to your account, and their salary depend on how much charges they can squeeze from u, What kind of assistance can u get from them?!
2005/7/17 P.M. 05:24:05 / MessageType: Praise / HowDoFind: Web Site search engine /FoundFrom: / Karen W* / wats*@hotmail.com / Unbelievable! I've received tons of offers from this bank and finally I decided to do some research on their "No-Hassle" card and ran across your website. After reading many of your posts I've decided CapitalOne can take their offers and shove them. I'll stick with my C******** card. Thanks for the heads up!
2005/7/17 A.M. 10:53:36 / mary / msm*@yahoo.com / I had a CapitalOne  card in 1997, a $250 credit limit and when the account was closed early they continued to charge me a late fee and over the limit fees and now it at $2,100. I want to get them to erase them self from the credit bureau because the are 8 years old now but they won't. I want to get a part of in on this law suit.

2005/7/6 A.M. 10:36:08 / HowDoFind: Web Site search engine /FoundFrom: ask Jeeves /  denis r* /  kea*@juno.com / 805-***-**** / Lawyers representing Capital one in my law suit are: Elizabeth A. B* bar#8**** and Richard E. G* bar #1***** 16130 Ventura Blvd. Suite 620 Encino, Cal. 91536. I am counter suing. My debt is $12,000+. I think that I should ask for "meaningful" penalties against them. I have been hounded by their collections over the fact that they okayed balance transfers over the phone and then did not increase my total credit limit to cover those increases in my balance. I have a second card with them in good standing and it is over the credit line for the same reason, but it is only $900+. I am cross complaining with a cause of breach of contract and another for fraud. If I can get a place to send e-mail I will attach some documents. many blessings. I am filing today, if all goes well. I have until the 10th before my 30 days to respond are up.

denis, thanks for your message. u r the 1st viewer whoever reveal your attorney's address, Please ask your attorneys to see if they want their address post? lots of viewers asking about where can they turning to. Your attorneys maybe a helpful place. Do they want their address (also, bar numbers and names which I asteriated already) post in our web so the other viewers can reach them for help? I will post and wait until u or them to say no.

Do u need the group witness to prove to the judge that u r not the only victim? To post your case number and info on our webs get u entitle to use all the viewers on the web to be the group witness for u. Every viewer post their message here with real name' email' telephone and all valid contact info saved in secured database. We r all fighting CapitalOne Vampire, and all willing to testify if u contact us, mention about the witness posting date then we will get u connected.

2005/7/4 A.M. 08:32:48 / Janna / nej*@yahoo.com / 334-***-**** / There are charges on my bill that I did NOT charge. this card was being saved in case something happened to my family. I was also told that I would have a $300.00 balance. Please call me ASAP and let me know what is going111111 if the answering machine picks up just tell me who you are and if I am here I will pick up.. My mom has bone cancer and we never know when we will have to get up and running, this card always us to have money but no case.. These last few months have been really bad. She has be in the hospital in icu......Basically the dr's are telling us this will be our last Christmas with here so enjoy her while you have her. When will I receive my bill for July? Because I didn't charge anything I should owe about $19.00 that one time fee thing any. please help me get this cleared up.

Janna, u r asking the wrong people, we r not the CapitalOne vampires. There is no "one time fee" such thing in CapitalOne Bank. Read our webs u shall learn how they work.

2005/6/21 P.M. 01:00:09 / MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: www.google.com / Anthony D* G* / yno*@yahoo.com / 401-***-**** / I have been fighting w/CapitalOne Bank for over 4yrs due to a "fraud account" that was opened not by me but by some that had my personal data. I did have a "secured Visa" w/them so by mistake I sent a payment in error to the Fraud acct and because of that action they told me it is my account & I am responsible for it!!!

Anthony, IT'S NOT a "secured Visa"! It's a blood sucking evil card! Read our webs u shall learn how to fight the vampires correctly!!

2005/6/13 P.M. 10:57:25 / MessageType: Complaint / HowDoFind: Friends told / Edie K* / ehk@verizon.net / (808)***-**** / Went to a lender and she pulled up my credit report and found that CapitalOne had that I owe $40.00 on a credit card. The acct.# is not familiar to me and all the cards I owed I made a settlement and paid them off. I checked all the cards I had and the #'s don't match. What can I do?

Contact CapitalOne  and ask them to correct the error immediately! CapitalOne have their so called " CapitalOne Services" office set up in other English speaking countries, (India?! Surprised??) It's cheaper there, and u will always have SERVICE especially when u r mad and calling in the nighttime. They may tell u "The local office is closed, your case will be transferred tomorrow". Remember their salary is based on how much charges and fees they can make u pay, and by "transferred tomorrow" meaning your case will be 2 or 3 days more postponed, Why? more late charges of course. Contact and double check 3 major credit agency to make sure that CapitalOne have correct the error! The vampires know u r desperate to clean up your credit, this is the best chance to get u pay even they know u don't need to pay any at all! Be alerted!!

2005/6/9 P.M. 06:23:49 / Charlon L* G* / lad*@yahoo.com / 910-***-**** / CapitalOne  is sooo full of crap. I told them to cancel my credit card because it seemed like I would never be able to pay it off if it continued to remain open. So when I cancelled my card my balance was $466.71 and I was like cool, I can handle paying this off. So I waited to get my refund check from school and would pay off the entire $466.71, however the balance now was $984.96!!! What is really going on?!?! They called me and told me I need to resolve this matter and I told them that I would pay the $466 but I would NOT pay the $984. That is ridiculous and I am NOT paying for something that they should have closed. Now on my Credit Report it has Charge Off in the amount of $314 but then states I have a past due amount also. I am completely confused and will not pay them until they can send me some kind of documentation in the mail which shows how they added almost $500.00 in charges.

Charlon, sue the vampire right away!! TODAY and NOW!! In some city or area, u only allow to sue the credit concerned matters within 1 year or so!! what CapitalOne doing is to make u pay as much as u can, to add on more charges and fees as much as they can. U expect those people to help u?! their salaries r depending on the charges and fees they squeeze out from u! DO NOT let this go on over 1 year, BOOM!!

2005/6/12 P.M. 01:42:10 /MessageType: Complaint /HowDoFind: (Other) /FoundFrom: / gail b* / gai*@yahoo.com / 828-***-**** / CapitalOne ruined my credit by charging me 3600 for a 500 credit limit i could not pay that

gail, how did y find our web??? u did not finish your comments, there might be a typo? how did CapitalOne charged 3600 on 500 credit limit? please resubmit.

2005/6/6 A.M. 07:44:46 /MessageType: Praise /HowDoFind: Friends told /FoundFrom: / Diana T* / 215******* / Comments:/

Diana, U submitted a Praise Message in blank comment, but  u have no idea about how we appreciated your Comment! When we were still in top ten of web searching list, we used to get several comments to post every day, now the situation changed, the vampire kept changing their promotion names (they don't call their blood sucking evil card "credit card" anymore because they know that the viewers will always see our web on top ten list when they r searching "capital one credit card",  also they added more and more trash webs to squeeze our webs out of top ten searching list.

Now we receive the viewer's Comments from "Friends told"!! So please keep telling your friends, it seems a way we r getting viewer's message after a long while. u submitted a blank Comment because the viewers said it all already?

2005/5/20 A.M. 10:19:50 / Rick C* / pur*@msn.com / 641-***-**** / How can your credit be fixed with overlimit fees & late payment fees that are all in excess of 25.00 each time? This company has no conscious!! They claim that they will work with you, they don't. They also claim that they will set the remaining balance up on payments at only 20.99% interest and were previously charging a hugh 29.99% on the card itself. I'm tired of the lies and deceit. They have even called our cell phones, How did they do that??

2005/5/13 A.M. 09:57:44 / W Brown / Wen*@aol.com / 410-***-**** / Basically, I paid one bill on line at CapitalOne site and did not receive statements via mail, which is VERY important to me...I have to have that tangible bill to remember to pay each month. Two months pass and I've received no paper statement and I get a call from their collections, threatening to report this to the credit bureau if I don't pay within 2-weeks....oh and my initial APR of 8.9% is now 26% AND i've been assessed $105.00 in late fees. I'm livid and I've been a GOOD customer....but, no breaks and now the harassment begins. I would never intentionally STOP my paper billing. I paid on line to avoid late fees and this has happened to me. Oh, and the 'collector' couldn't tell me why I wasn't getting my bills, only that it wasn't CapitalOne's responsibility. I had to find this out from another customer service person, a supervisor who would do nothing, make no arrangement re: the late fees or the APR until they get their money.

Wen, it's a card with credit limit only $200 (but they told u that your credit limit could be upto over $150,000 dollars in the letter?! YEA RIGHT!! They a;so told u that u would get a piece of private island too!! and CapitalOne don't even call their card "Credit Card" anymore, they call it "NO-HASSLE-REWARDS"!!) What money can CapitalOne able to make from u? CapitalOne spend tons of money to mail everybody the invitation letter to get their blood sucking evil REWARDS,  to air TV commercial to make u become their new blood, how do they get these cost back?! U still believe CUSTOMER SERVICES r mean to help u enjoy your $200 credit limit REWARDS?! Who's money is paying their SERVICES??? Read our webs and u shall learn how to beat the vampires! DO NOT WAIT! U r lucky that u can sue! Most viewers don't find our webs until it's too late for them to sue!

2005/4/12 P.M. 04:08:59 Pacific / Ben Z* / net*@verizon.net / 302-***-**** / I wrote you last week and I have a suggestion. I almost have a website with all documentation listed. Would you like to put my website url on your site? I will do the same for your site. We really need to let capital one have it. Thanks, let me know.

Ben, let's know your url when it's ready. There r already TONS of web sites fighting vampire already. Doesn't really bother CapitalOne, everybody is watching 's TV commercials everyday, receiving 's "pre-approved" invitation letter every week. But most of viewers only find our webs after they have been blood sucken dried by CapitalOne, and always too late to sue. Sometimes those victims even getting 2 or 3 CapitalOne cards all with credit limit of $300 and still never figure out how evil this can be until they see our webs, which sadly to say, is always too late! CapitalOne keep change their promotion name so the web site viewer hardly connect to learn that we r fighting exactly their credit card, CapitalOne doesn't even call their card VISA or Master credit card anymore, yesterday we were fighting CapitalOneCard, then they promoted their card name into "no-hassleCard". Fine, we r fighting no-hassleCard. Now they change their card into "no-hassle-rewards". REWARDS?! what hell is that ? their TV commercials is very confused and annoying, but they r getting new blood everyday. And they also try to use fake contact info to post their messages on our web too! If  we see some Viewers r saying "all the r happy card holder, satisfied and always own more than 3 cards", we always find out this kind of viewers give us a fake email address!! When u have your web sites stand up, u shall do something different than us, ALERT the viewers BEFORE they become the victims!!

2005/4/14 P.M. 05:08:29 /Hey, Thanks for getting back to me so soon. It will be done in a weke or so. And yes, I did mention several instances to alert consumers, i.e. FTC laws. I'll let you know when its ready. Ben

2005/4/9 A.M. 02:08:52 / paula l* / plr*@sbcglobal.net / 432-**** / CapitalOne are the worst $300.00 limit credit card company I've ever dealt with. I didn't even ask for the card. It was sent. then on top of that a purchase check in my name for $200.00 dollars. what was I suppose to do with a purchase check in my name? go spend it at Macys? On top of that , they said it was a gift. Nothing for free in this world today. I took it to my bank just to see what was up with this odd check and deposited in my account since that was the only thing I could do. my bank said they had no record of my depositing any sort of check from capital. for 3 months they refused to admit they had seen any sort of check. I found out three months later with some help that it was sent back to capital one. Wells fargo do not accept purchase checks. They finally found this odd check . took $200.00 out of my account. which they never even put the check into my account. and CapitalOne charged me the same day that check was deposited into my account $200.00 to my card. after almost a year. CapitalOne said it was in their hands. I asked for a copy of the check which I do have. CapitalOne closed my account. I thought that was finished. NOPE. they sent me another card . I called and said I did not ask for another card. They tried to tell me it was a total different account , don't worry everything has been taken care of with the other. I refused to open the card. told them> NO I will not open this . CANCEL this card. I then got a statement the next month, And there was a $200.00 dollar charge on it. I was livid. how can they open an New account with out my consent . and on top of that add $200.00. to this day i'm fighting with them about this situation. I have the card with the sticker still across the card. I thought I had better keep it to show I didn't ask for another card , nor did I open the card. they are after me for now $450.00 , they say the other card was transferred to this account . they are nothing but a bunch of crooks. how do I stop this. ? Please help me .

Paula, don't waste your time try to talk to their so called "CapitalOne  Service", their job is to stall u from suing them. Sue them!!

2005/4/6 P.M. 09:12:57 / Jesus H E* / don*@aol.com / 914-***-**** / I was reaching my credit limit when I got hit with an annual fee which put me over. I was charge an over the limit fee. I made a payment on the evening of the due date and was charged a late fee plus an over the limit fee. I have had this account for several years now and can't seem to pay it off.

Jesus!!! Sue the God damned CapitalOne vampire!!

2005/4/6 P.M. 05:49:56 / Complaint /HowDoFind: Web Site search engine /FoundFrom: google / Ben Z* / net*@verizon.net / 302-***-**** / I sent CapitalOne  a hardship letter less than a year ago (I was permanently laid off). In response, they demanded the payment in full, reduced my credit limit to cause over limit charges to be accessed, late fees and jammed up my interest. Since then I have secured employment but have gotten so far behind the account charged off. They are charging me 15.9% on a written-off amount. I know for a fact because I pulled my own credit report. I also asked for a settlement quote around mid jan/05 and Amanda gave me a quote of approx 75% of the balance, this equaled around $1K month for 6 months, I told her that was way too unrealistic. That was this past Jan/05. Well in March/05, she called again and tried to settle with me for 85% of the balance. I asked her to explain and she assured me that that was the best deal she could offer me. I wasn't able to do that either because she jacked us the settlement amount. I also asked to speak to a manager (I knew she was lying to me), she of course refused. Then I also asked why am I being charged 15.9% finance charge on a written off amount. And you know what she did? She laughed right in my ear. What professionalism and highly credible PR. I also have an MBNA account and that was running into charge-off. I called and explained my situation and they immediately agreed to settle for 25% of the balance in writing in which I am currently paying them off. I am also going to make a web site similar to yours, plus I have all documentation, 2 letters of charge offs and the amounts they jacked on there for interest, the settlement letter from MBNA. Plus even though I believe its not right to record conversations, I recorded the entire conversation, disagreeable settlements, not letting me talk to her supervisor and her laughing at me. I'll post all of my info on my web site here, stay tuned. Plus with me traveling to Philly, NYC and DC I am sure I can make up some flyers to promote my website and let these liars have it. Bet they won't be around much longer once I am done.

Ben , sue CapitalOne NOW!! Now and today!!

2005/4/5 P.M. 07:41:44 / MessageType: Suggestion /HowDoFind: (Other) / FoundFrom: Capitol Dumb / Tabitha / tab*@aol.com / 360-***-**** / What should I do? I have 4...yes 4 now charge offs with CapitalOne . It all started two years ago - as a struggling single mom, I was desperate. CapitalOne assisted me with providing a credit card -well one became two.. three.. and then.. four.. my payments were being made on time until one month - I received a bill, my payment due was way over what I could afford - they said it was because I paid them late - I had a latefee and overlimit- I could not understand how I mail my payments two weeks in advance and now I was LATE!!! Unfortunately this dominoe effected on my account. All 4 accounts were charged off on my credit report because I could not afford these late/overlimit payments continuing to accrue. Now two years later - I am trying to get this cleared up - but every month they are still showing charged off on my credit report - they are still accruing balances. My $300 credit limit card is now saying I owe $1300. That is over $1000 in fees they have charged!! I know I should have paid these off and this is partially my fault for not paying my debt but at this point I absolutely refuse to pay them $1000 in fees (and that's just one of the cards!!!) Unfortunately this has caused a significant burden on my credit report - I want to make amends with what I owe - but am not at liberty to pay them this much in fees. Also how can they continue to charge $60/month in an account that they supposedly charged off two years ago? This doesn't make sense!! What should I do? Desperately in need of some guidenance....

Tabitha , Small Claims Court won't cost u any attorney fee to sue CapitalOne, but u only allow to use the court TWICE a year! (Yep! even u have 4 issues!!) U r not allowed to claim for more than $5,000. CapitalOne always give up to hire a lawman to appear for your lawsuit, BUT, if u claim for more than the lawman's cost, of course the bank will pay the lawman and face the court. SO, PLAN WELL and SUE the vampire GOOD!

2005/3/31 P.M. 04:19:36 / jose f* / jfp*@aol.com / 305 *** **** / You can put me in .I also was fooled by these bunch of low-class people. I am a teacher .They called me to school ,home... I can put my claim easily because they put themselves in my credit report .

Jose, please don't wait! U need to sue the bank within 1 year or so! Use the bank today and now! They put u in credit report meaning ur credit is ruined for 7 years! U r still waiting only meaning that u r getting more and more late charges and fees, and losing the chance to sue day by day!!

2005/3/25 A.M. 10:18:10 / MessageType: Complaint / HowDoFind: Web Site search engine / FoundFrom: Started in google / Roberta S* / Hom*@hotmail.com / 505-***-**** / Had 2 accounts with CapitalOne . Asked to close one but said it would only close when we stopped using. Eventually did. Kept other, had credit protection however they denied coverage. Spouse unemployed and I have become disabled due to car accident. Gave them a call when I could no longer make payments but could not get them to work with me. Get calls from some one in collections and they are now threating fraud even though I always paid it off in full up until my spouse lost job and became unemployed longer than we anticipated. She was very rude today and even suggested we sell our home. What would that solve as that would put us in the street with a family of 6. FYI we have only had 2 credit cards in the 17 yrs. we've been married.

2005/3/23 A.M. 07:31:46 / Diana C*/ dlp*@hotmail.com    / 859-***-**** / CapitalOne  has charged me over $1,000 for late fees and then turned into over the limit fees. I refuse to pay when my credit limit was $250 to begin with and I only charged $74.00 ever on my card. I was hoping there was a class action suit or other suit I could become a member of to sue CapitalOne .

Diana , there r already lots of class action against this blood sucking vampire, u shall join, BUT, it takes LONG TIME, also, only the lawyers getting big share of settlement. U need to sue the vampire on your own (Don't worry, Small Claims Court won't cost u any attorney's fee, but u can't claim for big amount settlement either), in the mean time, write to all the authority and media (to save u tons of typing. u can copy' paste and mention our webs http://www.no-hassle-rewards.com, http://www.noHassleRewards.us , every complaint post here come with real name and contact info, and all willing and ready to be in court and confirm their witness.). Ask the Law to close down CapitalOne . Ask VISA and Master Card to cancel CapitalOne 's credit card license. Ask MEDIA to report CapitalOne 's crime.

2005/3/21 A.M. 09:34:25 / Phillip S* / sup*@sbcglobal.net / 713-***-**** / I was paying on the amount that they "say " that I owed. The account was opened in 1994 and closed in 1998. They have falsely entered another date of the account and have continued to charge interest on a "charged-off" account which by my understanding is illegal.

2005/3/11 A.M. 01:32:24 / deb*@sbcglobal.net / CapitalOne , After 9 Attempts at getting my x wife off the mailing address to my new home with my children 1,200 miles away from 2 different addresses they continue to mail and call her for collections and to give her a new platinum credit card. I Have told them that their mail when my children see it causes, because they get home before I do, extreme duress for my children because my x wife kidnapped them beat them and hurt them physically and emotionally. Yet after phone call and phone call to them to get it stopped they continue to call. They even violate the fair debt collection act. I told the collection dept that she doesn't live here don't call. They still do. Just when my new wife and I get our kids (My new wife takes care of 4 children as her own) back away from the fear of being abducted again or hurt from her along comes CapitalOne  with a phone call or 5 items a mail a month. I have to tell my 16 yr old that she can't answer the phone till the answering machine screens the calls. She wants a normal teenage life. Her girl friends call all the time and so does CapitalOne . Does anyone know a good attorney that would be willing to file against CapitalOne  for the costs of counseling pain suffering mental and physical duress that the stress causes. I am going going grey and I am only 36 from the stress.

deb, I strongly advise u email your own complaint to the media. (copy and past this page into your email to them, save u lots of typing, mention about our webs: http://www.capital1Card.com , http://www.capitalOneCard.us   , most media shall know what's going on already) Your story is kind of new issue about how evil this blood sucking CapitalOne  can be!!

2005/3/9 A.M. 10:50:47 / Lillian T* / lil*@gvtc.com / 830 *** **** / Failure to give credit for payment made. refusal to answer to my bank, refusal to answer to my letters with proof of payment. refuse to give credit and investigate this matter.

2005/3/3 P.M. 04:59:32 / norma b* / nor*@yahoo.com / 914******* /ContactRequested: ContactRequested /Comments: /

This message will be removed soon because it's blank in the Comments. Whatever happened, sue the vampires NOW and TODAY!! Do not just post a blank complaint and wait to see what's going to happen: u will get more late charges and tons of fees, also, the worst part: u will lose the chance to sue because u r confused and wait too long!!

2005/3/3 P.M. 01:17:53 / Lana D* / lde*@mail.nysed.gov / 518-***-**** / CapitalOne  is in the business of providing people with credit then RUINING their credit rating!!! I even have payment protection on my CapitalOne card and can't use it because I wasn't sick long enough! I missed one $15 minimum payment while I was sick and have been fee'd to death, spoken to like I was a low life, and reported negatively to the all the Credit Bureaus just so CapitalOne can further increase their corporate friendly status. Then, when I became a targeted identity theft victim, I closed my checking account at my hometown bank and opened a new one. Well, I neglected to change the account info online at CapitalOne and made a payment that ended up "bouncing" back to them. But wait! I realized this after I made the payment and well before the due date, so I call CapitalOne to get it straightened out and make a payment from my new checking account. Low and behold, the new statement comes with MORE FEES due to a "returned payment". I call them back and say "Hey, but I called and fixed this immediately". CapitalOne 's response was "We can't do anything for you unless you get a letter from your Bank stating that you had another account with the funds available on the date you made your online payment so we can verify that this is true." I said " well, you can see the payment I made that is posted can't you?" "Well, we still need verification from your bank". Further proof how CapitalOne trains their representatives to be rude, stupid and treat their customers like low-lives. They can't even see the truth when they POST IT THEMSELVES! Anyway, now they have me $75 over my measly $300 credit limit. I have several other credit cards, all in perfect standing. But that means nothing to them. It also means nothing to them that I have never been late nor missed a payment in the history of having the card! Nor does it mean anything that I missed the payment when I was out of work sick. Nor does it mean anything that I pay for PAYMENT PROTECTION cuz they make it near impossible to use it! They have more ex

2005/2/25 P.M. 06:50:25 / shelli s* / shel*@hotmail.com / Apparently I forgot to follow through with my online payment in January. I always pay my payments! Who knows what had happened. I didn't notice until I went to pay my next months payment. I now owed a double payment with a late charge. I called customer service for help. I did not have enough to pay a double payment of $700. They said I needed to get caught up or I'll be 30 days late. I agreed to pay the last payment and late fee. They made it sound like they were going to do it for me over the phone. I could have just clicked 'PAY PAYMENT' online if I had realized that was not the case. I was over 30 days late once I noticed It wasn't deducted from my account. I'm now deeper in the hole with more late fees and a bad mark on my credit report. I've transferred most of my account to another credit card!

2005/2/24 A.M. 04:15:03 / Kay W* / kay*@yahoo.com / 301******* / I have CapitalOne Card. I've been trying to pay this account off for the longest time. I asked to have the account closed. But even with the request finance charges and annual fees are still being charged. I almost had it finished when the annual fee was charged and payment was doubled because I didn't make the correct payment. Why can't annual fees stop I a person is not using the account. I set-up payments to be done on check-free but it did not go through.

2005/2/19 A.M. 10:15:56 Pacific Standard Time / e_k*@yahoo.com / Ellen K* / CapitalOne   Bank deals in bad faith. In January I called twice to find out what my credit limit was. On Saturday it was $149 and on Monday it was $75. I immediately called a customer rep to say that I was sending in $25 since I had a $90 bill coming in right away. Even though the check for $25 came in within three days, CapitalOne  billed my account $29 for exceeding my credit limit. I spoke to three customer service managers today - Chris, Cliff and Walter - and none would take the $29 off my account.

2005/2/18 P.M. 12:43:26 /Earl M* / emo*@gamewood.net / 434 *** **** / CapitalOne wants to charge $35 even when they are paid on the day the payment was due. They said I paid at 4:55 on the 10th and that I needed to pay before 3 pm. If the mail is delivered after 3 pm are these people penalized too?

2005/2/17 A.M. 09:55:32 / Jeanine M* / jea*@amerytel.net / 715-***-**** / Approx. 4 years ago I refinanced and paid my credit card bill off. It was only $390.00 . I paid the bill and they said it was late. (not) Now I have on my credit report charged off bad debt. and $825 worth of fees (no purchases, usages nothing.) I want it off my credit report and them held responsible for marks against me and I will not pay them one more dime! NOT TO MENTION I CALLED THEM AND CANCELLED MY CARD DIRECTLY AFTER I SENT MY FINAL PAYMENT!

Sue CapitalOne NOW and TODAY!! CapitalOne  is viewing our webs all the time, but, of course refuse to settle any unless u really sue!!! CapitalOne scan our webs only to decide how to change their TV commercials all the time. BUT NEVER NEVER settle any unless u SUE !!!

2005/2/15 P.M. 06:36:36 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: / Rozalie S*, Lubos K* / roz*@rogers.com / 416-***-**** /ContactRequested: ContactRequested / Comments:

This message will be removed soon because it's blank in the Comments. Whatever happened, sue the vampires NOW and TODAY!! Do not just post a blank complaint and wait to see what's going to happen: u will get more late charges and tons of fees, also, the worst part: u will lose the chance to sue because u r confused and wait too long!!

2005/2/7 P.M. 03:51:36 /Lazaro G. C* / lac* @bellsouth.net / 786 *** **** / Este servicio es una mierda , hace tres horas que trato de registrarme y he llamdo a nueve lugares que me han trasferido y no logro registrar mi tarjeta de credito en este sistema y no logro que me digan como puedo usar mas de cinco mil millas que tengo acumuladas. Translation: Este servicio es una mierda , (This service has been an excrement) hace tres horas que trato de registrarme y he (for three hours treatment to register to me and I have ) ...

2005/2/7 A.M. 09:38:12 / catherine D* / cdo*@yahoo.com / 239-***-**** / I am going thru rough times, I can't pay the minimum payment. so I called them to make some kind of arrangements. they got really mad, and told me they have no such thing...I told them I am sorry I can't pay and they said find. I am now going into collections...My Question is this.. Can they put a lein on Social Security.

2005/2/3 A.M. 01:31:23 / sandy a*/ san*@sbcglobal.net / Hi yes I mad as heck they charged me a late fee because my payment which was 5 days early was sent back they said my bank said they had wrong account number. That is a lie I put the account number in the same way I do all my online bill and all theres went through so then they charge me a late fee on top of it all, I called and they said to call my bank I called my bank and they said they never tried to put it through so CapitalOne lied just to charge me a late fee, even after my payment was 5 days early, I do not understand it all, so I'm go to cancel my account, and pay them off I only owe $200.00 anyway. thanks for letting me vent

There is always (GUARANTEE!!) late fees when CapitalOne find out that u try to cancel their card! then there will be over limit fees, then there is late fees again because u argue, ... ... show the documents to the court!!

2005/1/31 P.M. 07:57:37 / Clyde L. B* / clb*@sbcglobal.net / 323-***-**** / I paid off one account with CapitalOne and tonite I was beginning to get ready to pay my monthly bills and noticed a disbursement in the amount of $164.00 which I did not see on my ledger. I went through all the checks and obtained a copy of the check from my bank. CapitalOne changed the amount of the check and ignored the correct account number at the bottom of the check and credited the wrong account. The check amount should have been $104.00 which is clearly written on the check and not $160.00. The credited the $160 to the wrong account which now has an overage. They increased the check amount and added a late fee. How do I join the legal action again CapitalOne? I will mail a copy of the check to you at the contact address.

Clyde, sue the vampire CapitalOne right away! It seems u got yourself a instantly wining case! Remember, don't try to over-sue (even u believe that u shall win so sure!) U don't need to pay attorney fee so it will cost u small to file the Small Claims Court, but it will cost CapitalOne to hire some lawyer to appear. Most of time, the vampire will just give up if u don't sue them big. Also, if u find they already hired a lawyer in some city because too many cases against them already, try to file your case in different city. Viewers, please post the infos if u find out there r any shameless lawyer dare to use their attorney license to practice for the vampire. So far we only hear that CapitalOne had mailed out faked court paper, never hear any lawyer willing to trash their attorney license and reputation to become the vampire's debt collector! There is NO attorney fee in Small Claims Court, also u r not allowed to ask for big settlement. Only a low life lawyer should be hired by CapitalOne. I have been waiting to post any attorney's name and address from CapitalOne, but our viewers gave me none real name and infos of such kind!

2005/1/31 A.M. 08:55:57 / LISA H* / LAR*@PEOPLEPC.COM / I HAVE BEEN CHARGED LATE FEES AND THAT SOME TIMES PUTS ME OVER MY CREDIT LIMIT THEN THEY CHARGE ME AN OVERLIMIT FEE!!! EVERY MONTH!!! AND TRYING TO ACTIVATE THE PAYMENT PROTECTION OPTION (THAT YOU ARE CHARGED EVERY MONTH FOR )IS LIKE PULLING TEETH BUT THEY CONTINUE TO CHARGE ME FOR IT! I HAVE HAD IT WITH THEM AND I AM TIRED OF TRYING TO CONTACT THEM WITH NO RESULTS

2005/1/27 P.M. 09:31:51 / Coolerin / coo*@msn.com /  I too had a $200 limit, paid it off only to receive another bill for $79. to use the card, I called to cancel but they wouldn't until I paid the $79. I demanded they close it, now yrs later I see that my credit report claims I owe them for $1,500! How can that be on a $200 card?

c*, sue the vampire!! today and now! Do NOT wait for another yrs later and more of $1,500!! email your complaint (mention our web so they will learn it's not only u got the vampirism attacks) to every media' congressman' VISA' and MasterCard. Your $200 credit limit quicksand to $1,500 debt is a very typical story of blood sucking evil CapitalOne to tell!

2005/1/25 P.M. 12:59:20 /MessageType: Praise /HowDoFind: Web Site search engine /FoundFrom: Common Sense/ Kerri h* / ker*@yahoo.co.in / 504-***-**** / I need to know if my approved credit card has been sent to me yet. I just don't won't a particular family member to get hold of it in the mail. If you e-mail me back. Thank You

Kerri, your "Common Sense" got u into some confusion and problems we like to clear them up for u:

1.We r not CapitalOne's site! We r fighting this blood sucking evil vampire!

2. Every approved credit card  CapitalOne sending out r all "pre-approved", don't need to be proud or excited! U r getting a "Debt u to Death" credit card with credit limit $300 (or $200 if u seems be a low level new blood), yep! even the gas card have higher credit limit than this "No-Hassle REWARDS"!! Why the credit limit so low? because CapitalOne want to charge u over-limit fees everytime u use it. Doesn't matter how and when u pay the payment, your payment is always late so CapitalOne will charge u LATE FEES.

3.Most viewers find our webs after they r blood-dried and realized they r too late to fight the vampire. In some areas, u only allow to sue CapitalOne within 1 year or so. U find our web before u receive the card!

2005/1/22 P.M. 02:40:51 /MessageType: Complaint/HowDoFind: Web Site search engine/FoundFrom: /UserName: /required-UserEmail: /UserTel: /UserFAX: /ContactRequested: /CapitalOne  HAS PUT A BAD SCORE ON MY CREDIT REPORT AND I HAVE NEVER HAD A CapitalOne  CREDIT CARD!!!!! SO WHEN THEY LEARNED OF THIER MISTAKE (AFTER I TOLD THEM) THEY SAID THEY WOULD CONTACT THE CREDIT BUREAU AND SET THE RECORD STRAIGHT, THEY NEVER DID AND MY CREDIT IS RUINED

Sorry we need to take away ur message really soon because u submitted  ur complaint without your name and contact info. (We only post ur contact info by first name basis only. We NEVER give ur personal contact info to anybody, but we need it to prove that u are a real person with complete and detail contact infos. We saved these info into our data base which is secure and never on web. When the media or some law office come to ask for info, we always inform u first and let u decide if u want to contact them. After u post ur message with complete contact infos, if u need other witness for ur lawsuit, u can always use EVERY piece of our webs as ur group witness. All messages came from real person with complete infos!)

2005/1/19 A.M. 07:05:03 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: www.yahoo.com / Johnathan / jagu*@yahoo.com / 540 ******* / For the past several weeks I have been charged over charge fees on my visa CapitalOne card, and hadn't even come anywhere near my limit on my card, three times in a row.

2005/1/18 A.M. 09:48:07 / Naren J* / npji*@hotmail.com / 905-***-**** / I delayed in reporting fraud charges on my credit card(CapitalOne); now they says it is my responsibility to bear the charges. sending me statements despite closing my a/c.
2005/1/17 P.M. 02:24:01 / Erik M* / emc*@sbcglobal.net / 614-***-**** / I signed up on a platinum master card @14.99% they are now charging me 16.81%
2005/1/11 P.M. 04:49:55 / Joe L* / lan*@yahoo.com / 720 ***-**** /CapitalOne in my opinion deliberately cashed a payment late and then charged a late payment which I refused to pay. Then continued to charge late charges. I finally refused to pay until they corrected it, so they then closed my account and charged it off then hired a collection attorney to collect.
2005/1/12 P.M. 03:14:43 /MessageType: Problem /HowDoFind: Web Site search engine /FoundFrom: CNN search / Monique / alj*@msn.com / 718-***-**** / I was sued for $2,000, after agreeing to make payments of 100. But after I could not afford to pay $150 monthly they sued me and won ( somehow they did not send me a summons) What can I do? They have frozen my account

Mon, fight back! It's totally illegal to win the case without sending u any summons! Don't bother TALK to the vampires, SUE!!! Remember, never throw away any documentations even u think these vampires r so disgusting. Keep all the original documentation to sue, and u only allowed to sue within 1 year or so!!
2005/1/10 A.M. 08:23:17 / Law Office/Bill Collector claiming to represent CapitalOne, has filed a Small Claims court case against me to collect on a 4 year old charge card debt that CapitalOne charged an extra $130 per month in fees, penalties and interest.

Dear NoContactInfo, whatever u do, GO TO SMALL CLAIMS COURT ON TIME for sure! If u don't appear, u will automatically lose the case!

How can a Bill Collector use a Law Office?!  Please give us this Bill Collector's detail name and address, we like to see if he is a real lawyer! A Bill Collector use a Law Office?! a lawyer willing to use the attorney's license to collect DEBT  for CapitalOne? and file a small claims court to the client?! we definitely want to post their detail info!!

Whatever u do, GO TO SMALL CLAIMS COURT ON TIME for sure! and tell us what happen in the court. If u don't appear, u will automatically lose the case, and they won't be illegal anymore, they will gain the legal power to collect whatever they want from then on!

Sorry we need to take away ur message really soon because u submitted  ur complaint without your name and contact info. (We only post ur contact info by first name basis only. We NEVER give ur personal contact info to anybody, but we need it to prove that u are a real person with whole contact info. We saved these info into our data base in secure, when the media or some law office come to ask for info, we always inform u first and let u decide if u want to contact them.)
2005/1/10 A.M. 07:58:54 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: Capitol one Ripoff / Mel / mle*@hotmail.com / Never, Never, Ever trust CapitalOne!!! I applied for a CapitalOne card online and received it immediately. I did not activate the card for months. Once I did activate it I used it once or twice for purchases less than $200.00. I made payments to clear the balance. But even after clearing the balance and trying to close the account they refused to close it. CapitalOne wanted me to pay additional interest in order to settle the account. They turned my account over to a collection agency and threatened wish called me over and over again. I then made arrangements to settle the account, sent the payments and still CapitalOne insists that I owe them over $1,400.00 dollars because they refused to close they are saying that they never received correspondence from the collection agency. This is the biggest crock of mess I have ever heard off. They continued to put this information on my credit report. I have tried to talk to them over the telephone to clear this mess up, but that has been to no avail. They have the tackiest customer service people. One girl by the named of Rokeisha is extremely rude. But with a name like that, what else can you expect. Please for all concerned do not use these cards!!!!!
2005/1/10 A.M. 05:01:37 /MessageType: Complaint /HowDoFind: News /FoundFrom: / Donna J* / dlje*@yahoo.com / 812-******* / I applied and I have good credit. The rate was supposed to be 2.99. I made 1 call to them (applied) and I wanted to transfer 2 balances that were at a rate of 3.99 and 3.90. They sent a disclosure stating IF my application was approved the rate would be 6.99.I called immediately but it was too late! They had transferred that day during business hours and I didn't get the letter until that night!
2005/1/7 P.M. 10:06:32 /Carolyn S* / bcs*@adelphia.net / 270-***-**** / I have three accounts with CapitalOne and all interest are high plus a monthly fee I think this is so wrong. I will be switching over to others card real soon. I am very disappointed. I pay my bills on time every month I think as a valued customer I should have a 0 APR and this monthly fee should be waived. and please don't send no more lies to our address. we are human also.
2005/1/7 P.M. 05:15:32 / Rachel B* / rac*@msn.com / I recently received an offer for a Pre- approved CapitalOne Platinum card in the mail. I replied online and received my account number and exp. date right away. Today I got the card in the mail. Doubting whether or not I should activate the card and request the pin # I searched the web for pros and cons on opening a credit card account and came across your site. After going through so many replies on your site I definitely DO NOT want to activate it!! Do you think they will still bill me because I received my acct. # and exp. date before I got the card???? Do I call Customer Relations to cancel my account??? Or do you think they will give me the run around??? If I just destroy the card without calling CapitalOne will they still stick me with a bill??? PLEASE HELP!!! Thank you.

Rachel, here r the answers for 4 of your questions: Yes. Yes.  Yes, and YES. Keep all the documentations to sue the vampire, and remember, you only allowed to sue within 1 year or so!
2005/1/7 P.M. 01:24:20 /MessageType: Complaint /HowDoFind: Referred / Scott H* / Hed*@aol.com / 785-***-**** / You can never talk to a human being at CapitalOne, what's up with that? Overlimit fees - ???? How do you request a reversal before canceling this card? Increase of credit line is almost impossible???
2005/1/6 A.M. 12:37:11 /MessageType: Complaint /HowDoFind: News /FoundFrom: / bill h* / mch*@yahoo.com / There is not enough room here , too say what I think of CapitalOne  ,or capone va. class action sound's better.

Could somebody, anybody please? when u find our webs from NEWS, please, tell me exactly which NEWS u found from? Which news paper? or which TV news? I'm dying to know! I'm dying...
2005/1/5 P.M. 08:01:14 /MessageType: Complaint /HowDoFind: Web Site search engine / FoundFrom: yahoo / Ernest T* / joy*@netzero.net / 972-***-**** / I have/had a CapitalOne credit card and they have seriously screwed me over. First they gave me a certain credit limit and said that my interest rate wouldn't be that high, then out of the blue they lowered my credit limit and upped my interest rate. So I went from paying a minimal balance of $20 a month to now having to pay $300 a month. No matter how much I pay I am always getting the run around. I received a letter from them stating that: We are concerned because your CapitalOne account is still passed due, and your credit rating is at risk. If you are having difficulties and cannot pay the amount due, please call us. Our associates are polite, friendly and skilled at helping valued customers in difficult situations. They can create a payment option that fits your particular needs. YEAH RIGHT!!! I try calling and again get the run around. You never get a straight answer with these people. I called when they changed my credit limit to see why they had done that. I was paying my bill on time every month. As a matter of fact it was taken out of my checking account. So how in he hell could I get charged late fees if is was automatically deducted from my checking account through Check by phone. I had to open a new check account because I was not going to pay them until I got some answers. No they say I owe $5,000. I say got to H***. Is the only way to sue them is to go to small claims court? If so do I need a lawyer? I am not sure what to do, but they need to be stopped. I will do what I need to do. If I when in small claims court do they fix the negative credit problems they have caused. Please let me know. Thank you.
2005/1/5 P.M. 11:42:42 /MessageType: Problem /HowDoFind: Web Site search engine / FoundFrom: Yahoo / Carl / EZM*@buckeye-express.com / I never missed a payment, almost always paid well over the minimum, at least $200 per month, and all the sudden my Fixed rate card's interest went up 6% !!! When I called to complain they said, " we sent something along with your paper statement" I had told a rep with them months earlier that I never receive much less read the statements because I pay online for faster turn-around time. When I asked why my rate was raised I was sent to a manager, followed by another and another. The 5th person I talked to told me, " If you would have canceled your card when we sent the notice then you would still have a 9.9% apr. But because you didn't its now 15.9% !!!. I canceled my card as soon as she said this, but my new rate is 15.9% for no reason other than GREED. Again, I NEVER MISSED A PAYMENT AND NEVER EVEN PAID CLOSE TO THE MINIMUM. I am now trying to pay my card off ASAP because a 6% difference when you have a 6,000 credit is quite a bit. I also found it a little odd that this only happened after I quit using the card at all. I was using the card for gas, food, ect. and paying all that off every month + 200-300, but when I just started paying 200-300 and wasn't putting anything else on this happens. PS. I have had this card for 6 years now. This is how CapitalOne   treats their customers regardless of weather you are new or long standing. Carl
2005/1/5 A.M. 07:27:16 / Cytnhia C* / cyn*@yahoo.com / I have been charged $29 too many times
2005/1/4 P.M. 06:53:00 / John C. C* /required-UserEmail: joh*@us.army.mil / 573-***-**** / I had a credit report pulled and a CapitalOne  dept was on the report as a charged off account for the amount of $1,241.00 on a $300.00 limit card. I had deactivated the card and paid it off in 2002, it is now 2005. I call CapitalOne   and they have turned it over to a legal firm which says they will settle for $800 if paid by the 13th January, 2005 or they say they will proceed to court. I recontacted CapitalOne  to ask more questions and when I pushed more about having paid off the card and cancelled it in 2002 they told me that I had paid off a card, but it was a Visa and the card that was turned over to the lawyers was a Master Card. As far as I know the only card I ever had with CapitalOne  was a Master Card. This brings me to the question who's Visa card was I paying off instead of my Master Card. The said they were starting and inquiry and I would be contacted in the next 24 to 48 hours. For some reason, mainly some of the previous cases on the web site, I do not feel they will find anything but to their own benefit. Please advise if you can be of any assistance. Thank you

John, u got the benefit of being in the army, SOMEBODY always hear u better! SOMEBODY shall get rid of the blood sucking evil CapitalOne and let u serve our country better! There was one sergeant post his complaint from Irak, then right away, the media (and also of course, the blood sucking evil CapitalOne) contacted us, I forwarded his contact info.
2004/12/30 A.M. 04:14:20 / Marie J* / smo*@alltel.net / 478-***-**** / I am tired of the credit card company hassel me ,I told them I dont have this kind of money. They call fron 8 to 10:00 everyday CapitalOne  and espeically Enchance Recovery 904-645-0049 they call everyday and they are very nasty one of their worker cursed at my handcappi son this is not fair they have been trying to get this money for 6 years or more I don't have it I am SSI disable.

I can't sleep at night or day for hasseling phone call and nasty comments from the credit card company and aspeically CapitalOne . they call my house straight up to 10p.p. Enchance recovery is the next caller thet are hell hounds you tell them what you can send and they dont want it then they start this calling constant thing some of my cards already had 299 dollars charged on a matter fact four of the cards were like that and they hounds you to pay off what they put on and that not fair.
2004/12/29 P.M. 01:29:02 /aaji*@juno.com / 260-*******/ All the time i try to use card is decline i am tired from this.
2004/12/29 P.M. 05:03:31 /Patricia G* / Dol*@cox.net / 540-***-**** / I had CapitalOne  Bank, Credit Cards, never missed a payment, never late, and I never got an increase on my credit card, they made false promises, in otherwords liars, told me first it will be 6 months, than told me a year, and I am still waiting, but yet I am a valuable customer, who they trying to kid, I am very dissapointed with CapitalOne  Bank, for a well stablish business, very poor service. I wouldn't recommend them to anybody, thanks again , . P.S I called them and wrote them, never an answer.
2004/12/27 A.M. 09:11:52 /MessageType: Suggestion/HowDoFind: Web Site search engine/FoundFrom: Lycos/ Marla T*/ ma*@loveable.com / It seems that a different strategy is necessary to resolve the issues since the solution is not apparent. All I want is for my excellent credit report to be restored since my nightmare with CapitalOne  began.
2004/12/21  02:05:18 / melissa f* / mel*@bellsouth.net / 770-***-**** / My experience is much the same as others. I mailed a final payment in May 2004. It took them 3 weeks to post my check and I was hit with an over the limit fee and a late fee. Since then I have had late fees added to my account every month. I requested that my account be closed and they refused. I have refused to pay them and am now dealing with their collection people at NCO. I have even been told by representatives from CapitalOne  and NCO that my account will be zero'ed out and I will owe nothing and two days later I receive a harassing phone call demanding payment of the account. I am tired of dealing with these idiots! I am interested in suing them but wondered if there was any type of class action lawsuit in process against them as well?

Don't wait!! Sue CapitalOne today and now! When u r there, the court will tell u if u have a case or not! After u sue, contact Visa and the Better Business Bureau, and ask them to cancel  CapitalOne's VISA license!!
2004/12/21 09:12:07 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: yahoo / timothy t*/ pre*@se.rr.com / 904-***-**** / I had a CapitalOne  card about 4 years ago. In my divorce, I was the one in charge of paying them off. I agreed to a "settlement" of the account with a company that claimed to be owned by CapitalOne . They assured me that this would settle the account and everything would be closed.

It is now three years later. The account has been reporting the last three years as a settled account, no balance, no activity.

I went to finance a house last month, and lo and behold...I am now the proud owner of a CapitalOne  credit card that has NO BALANCE but has been 90 DAYS LATE 11 times SINCE LAST MONTH.

AGAIN, I am in possession of two credit reports...one from last month and one from this month. From last month to this month I somehow acquired 11 NINETY DAY LATES.

I saved all correspondence when this account was closed and paid for.

How do approach this in small claims court? What do I base my case on? I am more than happy to sue them and want to make sure that capital one never has the right to do this to my credit report again. From last month to this month, my credit score dropped 80 points!!!! HELP.

Don't wait!! Sue CapitalOne today and now! When u r there, the court will tell u if u have a case or not! After u sue, contact Visa and the Better Business Bureau, and ask them to cancel  CapitalOne's VISA license!!
2004/12/20  11:44:54 / Mario E* / est*@yahoo.com /(915******* / I can't understand why the greatest credit card issuer does not take payments via direct pay web services or email. If you do provide this service, I would like to know more about it. Thanks mes*@wti-elp.com or est*@yahoo.com

Mario, bad news, CapitalOne  takes all kind of payments, and doesn't matter how and when u pay your payment, u always get late charges. If u read through our webs, u will see that there r some CapitalOne  victims complained about they paid by web, and it toke 2 or 3 hours to go through the procedure, then it toke 2 or 3 days to see the amount credited to their accounts.
2004/12/14  07:05:01 / Jesus-H* E* / 914-***-**** / I had to close my account because they were hitting me with late fees and over the limit fees at seventy dollars a pop on a monthly bases just because of the time of day-after 3pm the payment was late, then my account was hit with over the limit fees on top of the late fees. My account limit was for five hundred dollars only, but it seem I could never pay it down.
2004/12/10  01:59:14 /Brandon M* / nut*@msn,com / 626-***-**** / Hi, My name is Brandon M*. I am giving a complaint about CapitalOne  because. They charged me $1,000 dollars for a credit card I never had. For a mater of fact I never had a credit card in my life. I applied for CapitalOne  but never got one they said I didn't qualify. I called their customer service center to sort every thing out they thought it was a joke. The first person I talked to listen to me for about 30 seconds then hung up in my face. It happened again when I called back. The third time I called back the lady was nice but she said there was nothing she could do. I told them to send me a written statement with my signature it still hasn't came. One month 3 weeks later. I know for a fact there's something wrong because they even had by birthday wrong. I was born august 31 19**. they put august 1 1913. I am only 2*. IF THERE IS ANYONE WHO CAN PLEASE HELP. I DON'T WANT MY LIFE MESSED UP FOR THE MISTAKE ARE ERROR CapitalOne  HAS DONE.

Sue the vampire NOW!! Don't waste your time try to call their service for any help! Read our web and u will see what their service reps do to other people! Sue the vampire NOW and TOAY! U ONLY ALLOWED TO SUE WITHIN 1 YEAR OR SO!!
2004/12/10  01:37:38 / nicole c* / nic*@yahoo.com / 216 ******* / i ant to know on how to get a credit card with bad credi?
2004/12/9 07:52:14 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: IN A QUAGMIRE!!!!!  JOHN H* / hin*@sbcglobal.net / 773-***-**** /MORNINGS 8-11(CST) / I HAVE BEEN SUED BY CapitalOne FOR WHAT THEY CLAIM IS THAT I NEVER PAID MY BILL. I NOW HAVE A JUDGEMENT AGAINST ME FOR $3,000.00 ON A $500.00 CREDIT CARD. I DISTINCTLY REMEMBER PAYING THEM OFF IN FULL. I ASKED THEM HOW COULD A $500.00 CREDIT CARD END UP WITH A BALANCE OF $,3000.00 I ASKED FOR A PRINTOUT OF THE SPENDING ACTIVITY, THEY TOLD ME TO LOOK IN MY RECORDS. WELL I LOOKED IN MY REC0RDS AND FOUND OUT THAT I HAVE INDEED PAID THEM OFF IN FULL THROUGH SOME COLLECTION AGENCY CALLED ACADEMY COLLECTION SERVICE ON FEB. 28,01 IN FULL FOR THE AMOUNT OF $700.00 THEY DON'T SEEM TO RECALL THIS TRANSACTION AND I COULD NOT FIND A COMPANY CALLED ACADAMEY COLLECTION SERVICE. WHAT SHOULD I DO? CALL THE LAW OFFICE THAT IS SUING ON BEHALF OF CapitalOne? I CAN'T SEEM TO FIND A CUSTOMERS COMPLAINT AREA FOR CapitalOne. I HAVE THE CANCELLED CHECK AND THE BANK STATEMENT TO BACK UP MY CLAIMS. LIKE ONE DAY THEY JUST CALLED ME UP AND SAY THAT "WHY DON'T I PAY MY BILLS" AND THEN THEY PROCEED TO SUE ME AND GET A DEFAULT JUDGEMENT B'CUZ I COULD NOT FIND MY PROOF. I LOOKED AND THEN I FOUND MY CANCELED CHECKS. BUT HOW DO YOU GET A HOLD OF THEM TO PROVE IT TO THEM? HOW DO I GET THE JUDGMENT REVERSED? AM I ENTITLED TO ANY DAMAGES? THIS IS A NIGHTMARE!
2004/12/9 11:49:46 /MessageType: Suggestion /HowDoFind: Web Site search engine /FoundFrom: cap 1 bank 43********** / Phillip G. F* / phill*@bellsouth.net /336-***-**** / Recently I applied for a loan, when the credit report was reviewed it showed a late payment. In regards to this: I canceled the card and a $6.00 membership fee remained on the statement with out my knowledge. When I found out I contacted customer service at CapitalOne BANK, they informed me they would waive the fee. However it is still on my credit report. I would like to have this misunderstanding cleared up. Due to the fact the card was paid in full on a monthly. Thank You for your cooperation.

Phillip, be very very alerted! CapitalOne never hire these so called "customer service"  to help you! Tomorrow when u call again, a different reps will tell u a run around story, you may be amazed that there are always SERVICE to answer you even it's midnight and I won't be surprised if u find out that their CUSTOMER SERVICE offices are at other country!
2004/12/8  02:53:18 /MessageType: Problem /HowDoFind: Web Site search engine /FoundFrom: yahoo / John R* / jro*@mailbox.lacity.org / 818-*******/ The wife did not ask for a card. She spoke to someone over the phone but did not give ss# and soon she receives a bill for the first annual payment and late fees. What the ..?

It's a "NO HASSLE ISLAND GIVEAWAY, win instantly! Million of $$ worth of prizes! see game card inside " offer!! What do u think u r getting? read our webs, u will see what CapitalOne blood sucking card will do to u! Remember, u only allow to sue the vampire within 1 year or so.
2004/12/7  01:13:42 / A. Stevens / ast*@yahoo.com / Excessive fee charge - overlimit fee
2004/12/6  10:50:55 /Chris & Christi M* / c_ma*@hotmail.com / They have previously activated cards without our authorization, among other things
2004/12/1 04:22:42 /MessageType: Praise /HowDoFind: Web Site search engine /FoundFrom: yahoo / JJ Mor* / tjm*@comcast.net / 248******* / Thank you for telling the truth. Consumer protection is only for the wealthy these days. FICO knows 24 hours or less when you miss a payment or max an account. They have more power over you and your future than any existing political system. Try repairing your credit while we still have some rights. Finally brought my FICO from 620 to 710 but took 50 manhours + 7 months time. Just research how to do it but not with any third party. Always dispute the entire negative account and leave it at that since admitting any part means verification. Try too many times and you are blocked from repairing. Always have a reason or more documentation when you dispute and its all good. Dispute over the holidays and be surprised how few can respond to the 30 day requirement. Document everything.

Yes sue them and share the stories. Worked for me when CapitalOne caused a chain of bad date and fees by improperly freezing my account. Just the threat of telling the world worked today with sears who tried to back down and CHANGE TERMS WRITTEN ON THEIR OWN SITE (said I must report the lower price in 24 hours but the site says 30 days!) and change their low price guarantee but after telling them that I was going to post on http://www.THESQUEAKYWHEEL.COM, http://PLANETFEEDBACK.COM ,  http://COMPLAINTS.COM , http://MY3CENTS.COM ,  http://CONSUMERAFFAIRS.COM  AND MORE THEY CAVED. THE OWNER OF THIS SITE AND OTHERS WHO BUILD SIMILAR ARE HEROES THAT MAY SOON BE CRUSHED. BIG LITAGATION PENDING CLAIMS DEFAMATION OF CHARACTER FROM A FOAM SIDING COMPANY ASKING FOR MONEY THAT WOULD BANKRUPT ONE FAMILY THEY CHEATED AND THE FAMILY HAS NO MONEY TO FIGHT. IF THEY WIN NO ONE WILL BE SAFE TO TELL A TALE OF TERROR. BE STRONG BROTHERS AND SISTERS SINCE YOU WILL REMAIN UNDER THE FOOT OF CAPONE AND OTHERS UNTIL THE CYCLE IS BROKEN...AND THEY WILL KICK YOU WHEN YOU ARE DOWN. FIND A HOBBY THAT PAYS CASH MONEY AND BUY YOUR SOUL BACK. BUY A HOME BUY PAYING THE ASKING PRICE OR MORE AND IT RETURN ASK UP TO $9999 AT CLOSING. THAT WAY YOU NEED NO MONEY AND CAN PLAY THE MORTGAGE GAME TO WIN YOU FREEDOM. ITS THE ONLY WAY TO STAY AFLOAT.
2004/12/1  07:32:37 /YVES / ASD*@YAHOO.COM/ 509-*******/ I HAD A CREDIT CARD WITH CapitalOne I PAID IT OFF WITH MY MORTGAGE COMPANY NOW THEY CLAIM I OWE ANOTHER 500. I KNOW I DO NOT I HAVE ASKED FOR A PRINT OUT THEY WILL NOT SEND ME ONE. RUDE REPS
2004/11/28  01:41:53 / J.*. R*/ j*r*@yahoo.com / This is NO THANKS, there is no need to contact me .. Friday is my last day .. I am in America.. FL to be exact.. so If any of my peers read this . You know where I'm coming from .. and again to those who are truly getting screwed.. Hope for the best.. And to you lazy ass free loaders.. Get A Life

11/16/2004 11:44:55 AM /MessageType: Suggestion/HowDoFind: Web Site search engine/FoundFrom: yahoo /UserName: NO THANKS/required-UserEmail: /UserTel: /UserFAX: /ContactRequested: /Comments: the ques .. and I am being laid off from them .. take over 100 calls a day in esclation situations.. 75% of the people dont process their payments on time and so how is any bank not supposed to not charge fee.. every bank charges fees .. if they dont your lying.. ALL BUSINESSES WANT MONEY .. THIS ONE USES A BIG NAME.. I AM NO WAY SAYING PRACTICES ARE ETHICAL .. I AM LOSING MY JOB.. BUT I DONT FEEL SORRY FOR THOSE PEOPLE WHO THINK THEY HAVE (A-1),(A+),(AAA) CREDIT.. NO SUCH THING (R1) IS GOOD CREDIT. FOR THE UNKNOWLEDGEABLE.. SO QUIT CRYING ABOUT THE F@#$ING FEES AND PAY YOUR BILL ON TIME PER WHAT IS GIVEN.. AND TO THOSE WHO GOT SCREWED PER ERRORS.. GODSPEED..SINCERELY HOPE THEY FIX OR YOU GET WHAT TRUEFULLY IS OWED TO YOU SINCERELY OUTSOURCED AMERICAN

Dear NOTHANKS, Sorry I need to take away ur message really soon because u submit  ur complaint without your name and contact info. (We only post ur contact info by first name only. We NEVER give ur personal contact info to anybody, we need it to prove that u are a real person with whole contact info. We saved these info into our data base in secure, when the media or some law office come to ask for info, we always inform u first and let u decide if u want to contact them.)

And I understand why u don't want to give ur contact info. Thanks for email after working for CapitalOne

2004/11/23 12:06:13 /MessageType: Complaint/HowDoFind: Referred/ GILBERT B* / gil*@yahoo.com / I TOO AM A VICTIM OF CapitalOne. ONE OF THEIR COLLECTORS CALLED ME JERK ON THE PHONE TODAY.
11/19/2004 3:27:40 AM /MessageType: Complaint /HowDoFind: (Other) /FoundFrom: looking for CapitalOne phone number with person / Kris R* / ur4*@msn.com / 307-*******/ My husband and I tried to pay a balance off. He paid the whole balance off over the phone. The next month we received a bill for a 10.00 service fee and a 5.00 due on the 10th of November. I sent the payment on the 6th of November when I received the bill. I received ANOTHER BILL, for the 15.00 and an additional LATE fee of 30.00. ON November 18. Oh, and some TRANSACTION fees!!??? I called and could not get an operator....so I searched the web for numbers so I could talk to a HUMAN! I had to call several numbers before I tricked the automated system into giving me a LIVE person. They would not talk to me because I was not the primary card holder my husband was...he had called them several times to authorize me during the time we had the card. He works for weeks away from home. So, at 1:30 a.m. After picking the poor man up from his work he had to call them... He was furious because he had THOUGHT he paid them off when he paid them off with an over the phone check. Anyways our NEW BALANCE was a total of $44. 97 . My husband told him he wanted to pay it off and for them to include the $10.00 service charge so it would be done and over with. The rep told him that he only had to pay $44.83 to close the account out. We asked over and over why our statement said our balance was $44.97 and we were only paying $44.83 to close and if the So called service fee was included. The rep (sounded like he was from India) assured us it was only $44.83. We would not get another bill EVER, NO MORE CHARGES OR NOTHING! My husband and I told the rep we wanted to pay the New Balance of $44 .97 and $10.00 Just to make sure. He wouldn't let us. He said that would create a negative balance and the account would stay open. I SWEAR if we get a bill next month...I will drive down the CapitalOne  headquarters!

Kris, CapitalOne won't let u out easy! NO MORE CHARGES OR NOTHING??! ur payment always be late and u think it's ur fault? their over limit fee is $39 and u don't know why they never increase ur credit limit ($300? u be surprised to learn that lots of new blood got the card with credit limit $200!) they need to make at least $1,000 on each account. Don't waste ur time try to deal with CapitalOne Services. CapitalOne set up their reps in outside country of USA!! and u r right! yes, most of their reps offices are at India! It's a guarantee that ur complaint will reach the local office 2 more days late!!
11/19/2004 5:11:06 AM /Melissa S* / swe*@yahoo.com / 330******* / CapitalOne has absolutely ruined my credit status, and remains to continue doing so. I am struggling as it is, and unable to even build up any credit due to their horrible Immoral standards!! Cannot find any help! Feel free to contact me, and I sure hope this company gets sued for illegally damaging others. Thank you for your time.
11/16/2004 8:37:26 PM /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: Yahoo /Alfredo C* /zco*7@hotmail.com / (954)***-**** / I closed my account on March of 2004, after sending a payment in full to pay the whole balance. The following month I received the statement showing the balance in zero, meaning the account was supposed to be finally closed, but it wasn't, time when all headaches started. The following month I received a statement with the $59.00 "ANNUAL MEMBERSHIP FEE" and I called to have this fee credit back. Apparently I called after the statement closing date, which consequently added a $29.00 late fee, that I had to call on a second time to have reversed, but it didn't stop there. Two months later I received another statement with their precious "PRIVACY GUARD" accompanied by their $59.95 fee, which by the way I canceled the year before, because I requested my credit report two times and nothing was sent to me. Then I called them the third time to have this fee reversed and was told by the representative that the fee was going to be reversed and the account was going to be finally closed, but one more time it didn't happen. The next month I received a statement showing a partial credit for the fee with an interesting addition of a $29.00 late fee. One more time I called them to have this charges reversed, but as usual they only did half of it, crediting back only the $29.00 fee. The following month the same story was repeated with the $29.00 late fee because there was still a balance of $5.00 in the account form the privacy guard. At this time according to them I was late on my payment from the previous month, reason why they decided to send to the credit bureaus their notice that I was late for more than 30 days, oh! but hold on, didn't I paid in full the balance in March and requested to have the account closed by then????. How can this financial institution send false information to the credit bureaus, when none of all the charges that were on there, were supposed to be there in the first place. I’ve never been late on a payment of any kind having the blessing of good credit and now it’s been threatened by their own. Isn't this illegal and unlawful. Obviously we speak a different language because I don't know how can many mistakes be done by different incompetent representatives. I called them recently to see if they could finally solve this situation and I was told that because of the complexity of my case, this problem was going to be taken care of by another department and it should be solve, but should I believe them after everything that has happened. The numerous calls I don't mind, their stupid mistakes neither, but sending misleading information to the credit bureaus its what scares me, because I worked very hard as many people in this country to build good credit. If there's anyone with any advice to what should I do please write back. I would gladly appreciated.

Alfredo, they don't make  mistake, they are doing such and such (read through our web, u will see they r doing this to EVERYBODY! They have to do this to make living, basically it cost them $500 to get a new blood, they need to make at least $1,000 on each account to make their business grow. What they want is to confuse and stall you from suing them within 1 year. If u don't get to sue them within 1 year, ur veins r all theirs, debt u to death.

11/13/2004 3:28:31 PM /MessageType: Complaint/HowDoFind: Web Site search engine/ FoundFrom: msn/ kym a*/ kym*@hotmail.com / 850*******/ In the 1990's I received a CapitalOne card with a $600.00 limit. I never spent $600.00, but I did owe around $545 and some change when I lost my job. I sent them my card and explained my position. I asked to close out my account and pay them so much a month. They refused to close my account and finally settled with me this October for over $2,000.00 in late fees and interest charges over the years.
2004/11/12  06:51:29 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: Yahoo / wolfbraun / wol*@yahoo.com / I'm looking for a way to actually contact one of their management people about my account. It seems their customer service people are unreachable. Do you have email addresses for CapitalOne?
2004/11/11 10:18:38 ///.../ 2004/11/11  09:40:06 /MessageType: Problem /HowDoFind: Referred / pjch*@yahoo.com / (757)******* / Close this account...#5178-****-4343-****... paid in full on Sept 14th 2004 - no activity - just your internal activity...not mine - I will be contacting attorney. I have several voice recordings of refusals and stupidity on Capital Ones part. I also have my paperwork showing the final balance and "0" balance on September 14th...Your company is in violation of the Fair Credit Billing Act S161 - P3 - SS5...You read it and then close this account...this is YOUR last chance!!

P*, submit  220 times to us between 10:18:38 to 9:40:06 doesn't help solve your problem! (I only post ur message here once) Last time when I paid them in full and tried to close their evil blood sucking cards (Yes! I had 3 cards with them that time so I learn all kind of tricks they do!) they hide my check (cashed the money but never credit the amount to my account) and created more fees and more problem. The mistake I made is that I thought it's their fault so sure so I want them good settlement, they just kept play all kind of trick and I lost the good chance to drag them into the court! Remember! in some area, u only allow to sue them WITHIN A YEAR OR SO!!
 2004/11/9  09:30:41 /MessageType: Complaint /HowDoFind: News /FoundFrom: / Mary R* / mar*@ngc.com / I too like everyone else got stuck with the over the limit fees, late fees, etc. I tried to work with them, calling them, etc. to work out payment arrangements and they led me to believe they would help me work this out. My money problem began with serious family problems, etc. I would pay an outrageous amount for 3 months with the hope of getting on some "payment arrangement". Well, that payment arrangement was unspeakable. Meantime, the charges are still mounting. I have turned this over to a debt settlement company who has power of attorney, etc. They STILL call me at work, I in turn report them to the debt settlement company. Business as they do it should be criminal. Especially the way the economy and world is today, someone who calls and tries to make it right continues to get threatened and it will ruin your health and your life. Please include me in this lawsuit.

Mary, class action lawsuit always too late to get the justice, only the lawyers getting the big money, and always make u lose the good chance to sue them yourself!

Every time when the viewers telling me they find us from NEWS, I always ask the same question and never get the answer, but I still want to ask again. I know that CapitalOne spend tons of money on TV and newspaper promotion, so it's not easy to see NEWS report CapitalOne crimes and lose CapitalOne big fat promo account. Could u tell me which TV or newspaper NEWS u hear about us?!
2004/11/8  08:11:15 / Patrick H* / pat*@crarogerscasey.com / 203-******* / CapitalOne has given me several credit accounts, but will not combine them into one account. I have been responding to their advertising claiming lower interest rates, and balance transfers, with high credit limits, only to get approved for a very low credit limit. The result is I now have 4 CapitalOne accounts, one with a $6,800 limit with a high interest rate, which is maxed, and 3 smaller accounts with $300 or less limits. Now I am paying $15 to $30 on each of these lower limit cards combined with my $200 payment on the higher balance card totallying almost $300 a month. Also, having all these accounts damages my credit history, but they will not combine my cards to help me out. I am paying the cards minimum at least every month, but wasting my money paying so many accounts. Why won't they combine all 4 accounts into the higher account and lower my interest, and obviously helping my credit.
2004/11/4 02:15:55 / Thomas E B* / tty*@centurytel.net / (870) ***-**** / CapitalOne holds back my payments till due date has passed, even when I send them as early as 2 weeks in advance.
2004/10/30  01:35:32 /MessageType: Praise /HowDoFind: Web Site search engine /FoundFrom: / A* / Try your luck with me/ Plenty of programs are there to help take care of  you. Why don't you people try reading your original  terms? Maybe if you would get over the hype of getting a credit card you could stop to realize that there are other things you have to do that just the obvious.

A*, we had received and post some complaints about your so called "Plenty of programs are there to help"! Get lost! U people won't get any debt consolidation program business here! So the vampire suck the victims to death, and u vultures gather around to take over?  "Try your luck with me"?! what kind of people u r?! U don't sound any better than these vampires who are giving away private island!
2004/10/29  01:31:00 /MessageType: Complaint /HowDoFind: Web Site search engine /FoundFrom: yahoo / Angela D. / dol*@verizon.net / I was trying to use a CapitalOne card that I rarely use. Back in July I negotiated the membership fee from $59 to $29. Well today I decide to use it and they say the account was closed. That it was closed back in August....by me?!!! A whole month after I paid the new mem. fee!!! I've spoken to three customer serv. folks and one supervisor... they say that 1)I need to reapply and 2)The won't refund me my money. What should I do? I want my money back!
2004/10/28  04:45:39 P/ Teri A* / tand*@mauigateway.com / Thanks for the site! Got my mail solicitation today from CapitalOne , I qualify for up to 30,000 with a rate of 2.99% on balance transfers until paid in full. Thrilled, I prepared to transfer 3 accounts totaling 18,000. While looking up their www.getmycard.com site to sign up I came across this site. Thanks for the education the offer is in the trash!

Terri, it's really feel good to know that somehow my site is working a little bit. Now CapitalOne still promo their Blood Sucking card as "private island" GIVE AWAY, "what r u going to do when u have ur own island"?! What's in ur wallet?! It drive me mad to watch this evil TV commercial everyday, over and over. They are spending tons of money proto this everyday! How many new blood they are getting from this kind of evil lies?! There shall be a law specifically for these vampires only!!
2004/10/26  02:08:32 / jackie f* / jfi*@metrohealth.org / 216-***-**** / CapitalOne refuse to send me all of my statements. they charge late fees when I am a day late. they charge over the line fees after they charge me late fees. they charge membership fees that make me over the limit. they gave me the major run around regarding my statements. I still do not have all of them .it appears that in the last year they have charge me over a 100.00 in late fees and over 6000, 00 on credit cards with limits totaling 2500.00 dollars. they refuse to respond to written letters, and they are now telling me I have another account I know nothing about. they pretend to be helpful but give me absolutely nothing when and if I m able to make contact with them. should I pay an attorney to handle this or should I file, should I refuse to pay them. a this point it does not seem to make a difference. I am afraid to pay tem off because is suspect they will try to change the final payoff amount. what is best way to proceed? Complaining does no take care of the problem. these people are operating on the fringes of the law. how can they get away with this?
2004/10/25  12:23:51 / Connie P* / Cat*@Comcast.net / 301-***-**** / I filed bankruptcy 7yrs. ago, thereafter, I wanted to re-establish my credit. I signed on w/CapitalOne. The worst mistake I could have done. They will charge for every little thing. Phone pay $14; Late Fee $29; over-the-limit Fee $29 and not to mention
the stupid and ridiculous membership fees that can cost up to $60++ per year. The customer service reps. have no consistency with the information that they are providing to their card holders. Finally, after 4 yrs., and rebuild my credit and maintaining good credit, I have obtain a Visa Card from my credit union and transferred all the outstanding balances from my CapitalOne  visa to my credit union visa credit card. I have never dealt with a company who take full advantage of people regardless of the situation. This era in my life is now over; never to be repeated. Good Bye CapitalOne ; total rip off.
2004/10/22 07:27:52 /MessageType: Complaint /HowDoFind: (Other) /FoundFrom: looking on the web / verinda d* / ver*@hotmail.com / 251 ***-**** / CapitalOne customer service, billing, are unprofessional. Tell lies about things they have promise you. Talk to people as thought, they are paying your bills or they are doing you a favor. I have to call every month about my bills. and still doesn't get any satisfaction on the phone or on my bill.
2004/10/20 07:14:38 / PAULINE Y. / pwa*@rfcsc.k12.in.us / 219-***-**** / Oh let me tell you I have a bill at home. I did not send it on the fourth I sent it when I got paid . There is no grace period and instead of sending my fifteen dollar payment, I sent forty so I only got credit for thirty of that forty because they charged me a late fee of $29.00 for the bill being mailed three days later. I thought I had a grace period but I guess not . Then last week I sent another forty when it was not even due. No credit for that. Not yet at least . So I had a $200.00 credit limit. When I pay it off which should be not too long now I will never use that card again. I never saw they charge $29.00 late fee until I read it over again and the print was so fine I had to borrow the magnifying glass at work to read it , it certainly was not in bold print, if it was I would not have accepted such an agreement. No Way. But just wait they will never get me again. When I pay this bill off that will be it .NO WAY WILL THEY TRICK ME AGAIN. THIS IS IT.

Pauline, this is not it! It cost CapitalOne over $500 to get a new blood like u, they won't let u OUT until they make over $1,000 over your account. It is a DebtYouToDeath deal. late fee' over charge fee' whatever, u signed it! u gave them your social security number and all the info. If u don't sue CapitalOne within year or so, CapitalOne will post you bad credit report, and schedule to list your bad credit for 7 years!
2004/10/20 07:44:17 / daphane g* / dgr*@email.vccs.edu / 804 *** **** / I had some of the same problems with my bill always being paid on time of course they would say that it wasn't and charged me all kinds of lat fees and then during the hurricane last year I was out sick and I call to notify them that I had been out for 2 weeks with the flu at first I qualified for them to make payments and then once I received the papers to file they told me I had to be out for 60 days so with all this my bill got behind my bill went from $200 to almost $500 each card they would not close the account they kept adding late fees on.
2004/10/18  08:01:03 / Sam / sam*@cox.net / CapitalOne on the f*** up once again, I have had my card not even 12 mos. First couple months they said that my checks were in late charging me late fees and let me fill up my tank if there is even $1 on the card so I get to pay $65 for a tank of gas. Anyways, now I have auto bill pay and they aren't even taking the $ out of my account and charging me late and overage charges because the money was supposed to be debited on the 15th so I use my card and they say that I used my card on the 15th or 16th and put me over, sorry if this doesn't make sense JUST DON'T GET CapitalOne  !!!!!!!!!!!!!!
2004/10/17  02:21:36 / dorothy b* / dor*@webtv.net / 281******* / I really had no idea that any co could be so deceptive in business practices. Why can't we all ban together in a huge lawsuit?!

Dorothy, please go ahead forward our webs and the messages to anyone you think will make any change. Let's know if u ever get any response. In the mean time, sue the vampire NOW!!
2004/10/16  06:51:29 / Ann P* / tan*@yahoo.com./ 478-***-**** / I've been with CapitalOne for several years. I live in Ga. The payment center is in Atlanta Ga. Payments are usually late even if you mail it in 5 days earlier. I've talked with the postmaster, he stated that it will be delivered in 2 business days. Are they posting payments late to add on late charges? Some of their customer service rep. are so nasty and rude, I wrote a letter to CapitalOne president concerning this. I've also tried paying on line, but it always says my card number is incorrect.
2004/10/14  01:08:50 / Martin S* /  tur*@sbcglobal.net / 1-708-***-**** / I was charged a membership fee of $39.00 and was never informed!! I was charged an additional $16.50 and it never showed up on my statement and my card was not used since. I've tried to contact these crooks but I can't find a number to talk to a representative. I've had my card for only a month now with a $200 limit and I am already disgusted with these creeps.
2004/10/11  09:41:00 / Bobbie W* / spri*@msn.net / 229-***-**** / I haven't received my credit card yet.

Bobbie, in a way U are lucky! most of victim didn't get to read our web until they had enough of CapitalOne 's craps, and it's always too late for them to sue the vampire. If u sue them within 1 year, and not to over sue them (NOT to ask more than the attorney fee they need to pay the lawyer to answer your court), u always win!
2004/10/8  02:34:01 / MessageType: Complaint / HowDoFind: Web Site search engine / FoundFrom: dogpile.com / Donna / 662-***-**** / I closed my account with CapitalOne today. I had to pay them $27.61 to do so. It would seem that they chose my account to almost double the interest rate so they could "BE COMPETITIVE". How does raising rates " because other banks are raising rates" making you a better choice? The information above is what I was told when I called to ask about my account. Do note, I was never late on a payment( I have proof), and most months I made 2 payments well over the min payment due. When I was able to speak with a supervisor, I was told that I was contacted by mail, and for my rate to not go up, I should have stopped using my card in May 2004. I promptly told them I would clear the balance on the card, and promptly send them what was left of my card. .....Note to all... I do intend to send my comments, shredded card and all my card statements dating back to 05/2004 to Mr. Richard D Fairbanks( CEO ), as well as let him know he lost my account to a " COMPETITIVE LENDER OF MY CHOICE (WITH A GUARANTEED 5.9% RATE as long as I stay in good standing)". I thought I had THAT DEAL WITH CapitalOne . How thick is the "egg " on my face?
10/6/2004 11:06:10 AM / MessageType: Complaint /HowDoFind: Web Site search engine / FoundFrom: Tired of Mailings!!!! / Robert K* / dir*@newnorth.net / We are sick and tired of constantly getting mailings with offers from Capitol One, BankOne, etc. How in the world do we stop this?  I've tried sending back unopened BUT the Postal Service cannot Return To Sender because of the Metered Stamping. With this economic crisis and with the younger generation being taken-in by the Spider in the Web looming over them as their prey, there MUST be action taken against such NO CONSCIENCE offenders!!!! THIS MUST BE STOPPED BUT CAN THIS ADMINISTRATION