We've been customers since 1999. This year they have chnaged our credit card number 3 time. Once without notice, once after agreeing NOT to. This has caused payments to be misdirected resulting in penalties.

Then they put a HOLD on the account because my payment was TOO large. This caused my card to be declined.

No one ever will take responsibility just puts me on hold until I have to hang up.

I mailed a letter to Capitol One Orchard Bank priority mail to close my account. I paid off the account and requested my annual fee be credited. I made the payment through there online web sight and accidentally left off a number from my checking account; as a result the transaction did not go through Orchard Bank/Capitol One charged me $15.00. I sent several emails stating it was not a bad check but an error entering my checking account on web sight they refused to remove the $15.00 charge. I entered another payment which has cleared my checking account; however, Capitol One has debit the payment back to my card with a note stating the debit is on hold. I called Capitol One today and spoke to Nancy, operator APF out of Souix Falls, South Dakota. I explained to her I did not write a bad check a made a data entry error and how could I send her proof the payment had posted; she said I could not the pending debit would be on my account for 14 days and she refused to take off the $15.00 check charge, I asked her if they had received my priority mail letter and she stated know; she then said she would close the account, I asked about the annual fee and she said you should see it come off in a few days. I asked if they were going to charge me interests for the payment that they have not posted that had cleared my account. She said she did not know. I asked to speak to her supervisor and she hung up on me.