I make a transfer from my bank to Capital One to pay on a loan I took out from Hibernia who Capital One took over. They continously hold my deposit until my payment date is missed and then charge me an overdraft fee of $39.00. I closed out my Capital One credit cards 3 years ago because of shady fees and charges. NEVER will I give them my business

I have maintained a good business relationship with Capital One for the past 10+ years. Never missing payments, and using my Capital One card all the time. I would even consider myself to be at the top of customers that a company would like to keep. Imagine my surprise when I went to pay my bill and noticed that my Interest Rate Had Doubled! For no apparent reason?? I called their customer service line to find out that I could have declined the change? but now it is too late?? What sense does that make? Is it too late to keep a valued customer?? Heck Yea it is!

I am receiving numerous calls every day from Capital One Auto Finance since June, 2010. They call my home beginning around 8:00 a.m. until late in the evening. They are looking for a person who I've never heard of and who does not live at my home. The person they are looking for has the same last name as I do, which is a very common last name, as common as Smith or Jones. I've told them several times that the person they are looking for does not live here so take my phone number off of their list. Of course, they continue to call! I've never had an account with Capital One or Capital One Auto Finance (and I never will)! What's ridiculous is that they are never going to get a dime from the person they are looking for because they are not calling him, they are calling me, and they are certainly not going to get a dime from me!!

I received a "congratulations for coming out of bankruptcy" offer from Capital One in the mail. Pre-approved, no fees, etc. I had not applied for any kind of credit card in 5 years, and thought, ok maybe this is a good time to get one and begin to establish payment history again. The day I activated the card I was told I had $300 for credit and/or cash - both of which were available immediately. I went to a movie and charged $16.o0. The next day I was making a purchase for which they'd only accept cash (ok...a new kitten), when I tried withdrawing $125.00 from the card, I was denied several times. So I called and was told that the card was suspended due to potential fradulent activity. How so? I used it once for a whopping $16.oo charge. Well...you're trying to withdraw cash and that's a red flag. It would've been nice if someone had told me that. So now in order to get the suspension removed, they want my driver's license, pay stubs, bank statement, proof of residence (copy of a bill). I told them this felt a lot like a scam - they give me a card w/o any proof of income, etc., and suspend it right after the first charge then demand all this information so they can turn around and screw me. The woman I talked to was a total bitch. I told her that I'd just paid the balance - which included an annual fee that I was not supposed to be charged - if I was a fraud, why would I pay it? It's all explained in the letter, she said. What letter? I never received a letter. Oh, I'll fax it to you - so she put me on hold for 5 minutes and then said it'd be faxed in 5 business days (what a joke). So, I said, what if I choose not to send you this "proof" you want? We'll close your account. Meaning, I now have a negative mark on a credit report I am trying to fix. Extortion? This is so so so very wrong. The entire credit industry is a massive fraud - how can three frickin agencies who know nothing about a person collect random data used to slap a number on you that then determines if you can buy a house, or a car, or get a job., or what rate you'll pay for insurance (gotta love that - you are not extending me credit, and yet you use my credit to determine my rates). And god forbid if you try to correct any of the "data" they have on you. It is criminal and I wonder if anyone will ever put a stop to it. I'm going back to my cash existence.

I have had an automobile loan with Capital one for several years. Since the beginning of the loan I have been trying to get my payment date changed from the 12th to the 20th. I am a teacher in the state of Oklahoma and get paid once a month. Capital one has refused to change the payment due date and as of today I owe over $500 in late fees.

I fell behind in my car payment and was contacted by Capital one in late June and was told that I had to pay $903.00 within 5 days or the automobile would be repossessed. I sent the payment and spoke with a hispanic sounding gentleman in the repossession department. I explained to him for the 100th time that I needed to get my payment due date changed to the 20th of the month. He told me that as long as I made a payment by the 12th of July they would defer my past due payment to the end of my loan which would bring my account current and he would change my due date at that time. I sent Capital One an online payment on June 12, 2010. I called today to find out about the deferment and was told by someone named Teresa that I could not have the deferment unless I sent another $458.00!!

I have gone round and round with this company for years trying to get this whole mess straightened out. I have done exactly what they have asked me to do in regards to making up the required past due payment and the continue to renig on what they have told me they would do as far as getting the payment due date changed. I am at my wits end and if this doesn't get resolved to my complete satisfaction by the 25th of July I will have no choice but to take action against the company.