My home was broken into in April - the thieves took and used my Capital One Credit Card and AOL Visa credit card to make gas purchases. I called Capital One and AOL Visa immediately. A fraud representative from Capital One told me she would be sending out fraud forms for me to complete and the amt of 106.00 would be removed from the card. It is July and I am still waiting for the fraud forms and the 106.00 dollars to credit to my acct. I have made numerous phone call regarding this matter- still with no results. The 106.00 balance is still being carried on the card. As soon as this matter is resolved I'm canceling this acct-never to return.

As far as AOL credit card- they resolved this matter in days!

On January 8, 2008 I got a new credit card from Capital One, taking advantage of advertised offer of 5.99% for life. I promptly transferred $7,500.00 worth of other debt to this card. I set up payment via the web. I paid $250.00 on January 22nd, in advance of the first billing, which I HAVE NEVER received). I have attempted to make a second payment (still having received no statements) but the account is locked on line and I am unable to make a payment.

After reading literally hundreds of complaints against this credit card and bank, I now realize they are VIPERS and certainly up to no good. If I had adequate funds I would promptly pay off this card and take out ads stating my opinion of their obviously underhanded activity.

I would LOVE to join any class action suit against Capital One and their credit card practices. I suspect they are going to be giving me a lot of grief over the next few months. I would also love to sue individually, but at this time I don’t think I can afford such a lawsuit.

I have tried numerous times to close this account through Capital One. The card has been destroyed and there is no recurring charges on the account, except for the 3.00 monthly fee charged by the company. This charge is accumulating interest of 19.80% monthly. I have called three times today to get this account closed. I was put on hold and the phone goes dead. Please help me I want to keep a good credit report and I always pay my bills on time. I feel frustrated and cheated by this company. There is none to speak to and even when I do, they do not close the account.

Ann K Carter / William Harwell

I recently took advantage of a Capital One "0% interest on balance transfers" offer. No where in the offer did it explain that no, they would not charge interest on your transfer but they would institute new interest charges on current purchases even though the new purchase charges are paid in a timely manner. As long as I have had this card, I only had finance charges if my payment was late. Since my balance transfer, I have finance charges every month even though all current purchases are paid promptly.