Captiol One is just another company out to take advantage of people. I had one of those cards for rebuilding my credit and it further dug my grave.I tried to start to get credit after a messy divorce and defaulted on this stupid $300 limit card. I ended up paying over 2, 500 in court for this 300 dollar card. Plus I paid $50 for the card. So they actualy gave me $250 and made well over 2, 000. I to had to deal with the computer generated collection calls, I would say hundreds of calls. Plus they looked up everyone with my last name, that lived in WI. They called them to and asked if they were related to me, and if they knew me. The process server came to my house at 9pm and went to my 3 Daughters window and whispered come here, scaring them to death.My neighbors told me the day before he was at my home knocking on the door for a half hour, walking around my house, taking pictures, looking in windows. All this for $250 dollars. On Halloween I had family over and all the kids were ready to go trick or treating when this server comes flying up in his car, jumps out, starts walking towads us with his hands up like he was afraid of us, and hands me these court papers and walks backward real slowly, like we are going to attack him. I swear this guy was wearing shorts, that were tight cotton, and his package could be seen clearly, he had on black dress socks, a jacket, and tennis shoes, and his hair was sticking up all over. This guy acted like he was the swat team making a series bust, in actual its a poor divorced lady, with a debt of $300 to this stupid Capitol One.

As of May 1, 2011 I had a zero balance with Capital One, this was my small business credit card so it was rarely used. By mid-May I needed to do some upgrades and small investments so I made several purchases and apparently went $100 over my limit. By the next week (bear in mind, this was a week after the purchases were made, no payment was due and I wasn't even close to receiving the first statement in months) I was receiving non-stop phone calls about Capital One collecting on a debt while I was at work. How is this a debt? Have I not yet paid or do you somehow foresee that I will not pay in the future? Why don't you simply send me the statement in a month (it's just normal practices) and then see what happens? Try it, it may work. This is the most unethical practice I have ever encountered. Of all the thousands of "collectors" that have called me continuously, I have spoken to four of them and asked them to "make it make sense" and no one could with the exception of one who stated that she had no idea why Capital One was harassing me and she would stop the phone calls. The phone calls did stop for about two weeks, which I was truly grateful. Capital One maintains that they are calling to collect the over the limit fee, but was it not Capital One that allowed this payment to go through in the first place WITH the addition of an over the limit fee? So what is the point of the harassing phone calls? I have since tried to cancel my card with them, to no avail. The next time I call I have decided that if they want to take the time to harass me, I will do the same! I will just as mean and ugly as they have been. Although I don't condone such immaturity, there is such great satisfaction for me! Thanks for listening.

Since last May we have had a very hard time financially due to medical issues. The bills are still coming in and we are overwhelmed. I have since then been in their hardship plan. However, there are suppose to be other ways to be able to pay down your debt, without just the waiver of the late fee, that is all they offer to me. I want to get my bill paid off without being turned over to collection agency, I deal enough already with them on my medical bills, but they won't work me on the other offers they do offer. I've heard that they can reduce your balance owed and other issues, but I only get told I qualify just for this waiver, which isn't much. I'll never get this bill paid and it is really making me upset, because I have to many other bills to deal with than making arrangements of what I can afford to pay which isn't much, and getting a waiver of late fee. Please help me.

I used to really like this credit card but now I find they make it impossible to get on their website to pay your account and then you pay the same day and they put the payment in a day later and charge you $35.00 past due fee when you actually pay on time. I also pay very well. I pay my balance in full without incurring finance fees. Just two months ago I purchased extra miles from Volkswagon for my son and he is paying it to me in payments so that balance we are paying off. Once my account is paid in full, I will cancel their credit card. I think they should be investigated for their dirty methods that they do to their customers. They are con artists and scanners. I will be cancelling it as soon as possible

I joined the Marine Corps in January of 2009. Prior to going I called Capital One to see if they had a program for service members to put a hold on payments while they do not have access to banking. I was told that they did and my account would be put into it. I asked to clarify if this meant I would owe the same amount of money when I got out of Boot Camp that I currently owed. They said that I was correct in my understanding. I got out of Boot Camp to a bill hundreds of dollars higher. I called and asked them to clear up the problem. After multiple calls and hours dealing with their mistake on my ten days of leave before going to my Combat Training, where I would again be without banking, I finally got them to agree to credit my account the amount that charged in Boot Camp, because I offered to pay the full amount owed the day I left for Boot Camp. When I got out of Marine Combat Training and into my job school, they had only credited $100.00 of the unauthorized charges and charged even more on me not paying the uncredited amount. I called them almost daily and talked for hours trying to fix this, not to mention the 2am-4am calls from their collections department that lead to me explaining and reexplaining my situation. Capital One lies to our service members and cheats them out of money when they are training to defend our country. They are irresponsible and will not own up to their mistake. Eventually, I will be getting out of the Marine Corps and will need my credit score to reflect my financial stability so that I can get a lower interest rate on the home I am planning on purchasing. Capital One is slowing this goal and I hope that everyone that joins the internet "support the troops" groups or has a sticker on their car actually DOES support the troops and not the financial institution that takes advantage of them and their sacrifices.