I recently received a "special offer" for 0% APR for 12 months from Capital One. The letter stated that if I used any of the three attached checks by the deadline, I would receive this low interest rate for a year. So I used two checks (both of which were attached to this letter).

However, when the transactions went through, one apparently came in as a convenience check and the other as an access check. So they started charging me a finance fee for the so called convenience check. The problem here is that it was not a convenience check. They came from the same stub, attached to the same letter. How can they come in differently? I even verified that I met all the requirements - use by date, etc.

So I called customer service and the woman was very helpful at first. She told me that I was right and that she would have it fixed. "Just check your next statement." Guess what happened?

I had to call a second time because not only did the balance not move over to 0% interest, but now they need to credit me the finance charge for the last two statements. The first woman apparently only "put in a request" and it was denied by the higher-ups. Was anyone going to let the customer know?

Now, I must call a third time to talk to a "senior account manager" because this second woman can't do anything about it.

The moral of the story: MAKE SURE YOU CHECK YOUR FINANCE CHARGES AND QUESTION FEES THAT DON'T MAKE SENSE. And here's probably the bigger lesson: don't ever use the checks that come in the mail claiming 0% interest b/c even when you read the fine print and everything is what it's supposed to be, they still get you. Though I will continue to try to get my money back, this "processing error" is a pain in the you know what. I wonder how many processing errors occur each day.

After reading about how unhappy the company's consumers are, I wonder how they are still in business - maybe they get the first time credit card holders. (They were my first, and after almost ten years, I'm still at the same interest rate (the 0% was too good to be true). My other credit card companies reward me with low rates for my good credit.)

Capital one is the absolute worst financial institution out there they try to devise ways to make you fail, I have been paying a car loan for five years without fail on time they then at the end of the loan lifr coun days you did not pay exactly on the due date (due date on the 8th of each month online banking sometimes takes a day or two to submit to them sometimes they would receive payment on the 9th or 10th at the latest falling well within grace periods allowed by all othee institutions now they say I owe an additional 87.00 bucks and I can no longer submit this final bullshit payment via online banking I have to send a money order to plano texas, what a crappy institution please if you are considering any business with them you should really re-consider, lets put them out of business!!!

i have written and called about me accountsthe poeple are not very helpful and they do not care. I have canceled both of my cards I have sent them back, they were not actived amd they are adding charges to my account every month that i do not owe. they are charing a over the limit fee which they are causeing how can they do . I have not use these accounts for three years. I have paid anywhere from 50 to 75 dollars every month please can you help me as I am 69 and retired. iam paying this bill every month and getting nowhere

I still have my papers for when I started my account with Capital One "No Hassel" credit card in October 2003. I signed up for a fixed rate of 4.99% for the life of the card. I started looking closer to my statements this month and noticed that the rate was 9.90%. I called customer service and got this spill about them sending out a notice in February of this month regarding this matter. They said they never got a response from me, so they went ahead and discontinued the 4.99% rate and started the 9.90% rate. I told them that I would have been stupid not to respond to something like that in order to keep my fixed rate of 4.99%. The would not refund me any of my interest over the last 6-7 months where they charged me 9.90%. I did not think they could do this without my written signed consent or something. I am livid and very upset. I will never use Capital One again. Is there anything that I can do? They should not be able to do this to any customer. Especially when we have proof from the papers that I have stating 4.99% fixed rate. They should be made to keep this agreement. They sure would expect me to keep an agreement.

Thank you,
Marty E. Ault

My daughter spent 3 days in Amsterdam before her trip to Uganda for two weeks. A week before the trip, we visited the Capital One branch, explaining where she was going, asking them to notify the debit card company, and to verify that she would be able to use it get cash in her various countries. When she arrived in Amsterdam, her debit card never worked. I spent countless hours on the phone and in the bank office. Everyone was nonchalant and just shrugged off my panic about my child arriving in Africa penniless. Only one Capital One staff person seemed to take any responsibility and understand how concerned I was. Nevertheless, she was unable to change anything and my daughter had a useless debit card. Dissatisfaction is not the word.