I have been reading the complaints above and they all sounds so earily similar to what I've experienced, it's crazy. Especially the comment about them being so horrid it borders on unbelievable...I have been having the same epiphanies! I was with Hibernia for 10 years plus and thought I would be loyal to the branch since they sold out...thinking about being a good consumer! HA! I heard how AWFUL Cap. One is, but figured maybe not when you do all that you should and bank with responsibility, what could happen, right? WRONG. I did everything right, had ONE overdraft in 10 years plus, and they began charging me overdraft fees for a 5.00 charge that I didn't even ask for. Some incintive program with these special 'coupons' or something, but I never asked for it...anyway, they'd take it out of my acct. every month and, stupid me, I allowed it. Well, I guess I miscalculated and because of the $5, I went over...how is it possible to charge a dedicated consumer overdraft fees that amount to more then $700 for a $5 overdraft???? Capital One should be ashamed at it's gorendous banking practices...but they're not. I have spent countless hours on the phobe trying to gain some understanding, trying to remedy this situation...but there is no remedy. They want their money or they'll put me in collections! COLLECTIONS!!! That's their deal. THEY ARE THE DEVIL AND THEY SHOULD BE STOPPED!!!