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Capital One - Trouble Closing Account

Capital One • Low limit, high fees • Unauthorized account • Trouble closing account • Payoff plans • Identity theft • Fraudulent transactions • Late posting of payments --- News • Capital One Interest Rate Hikes Anger Customers • Capital One Buys Cash-Rich Chevy Chase Bank • Capital One Shuts Down Mortgage Unit, Will Cut 1,900 Jobs • Capital One Hikes Interest Rates, Agrees to Disclose Credit Limits • Capital One Blitzes Credit Reports Looking For New Prey • Capital One Harms Credit Scores by Withholding Data, Suits Charge • Capital One Buys North Fork Bank • WV Sues Capital One for "Deceptive and Illegal" Practices • WV Subpoenas Capital One Records

Lisa of Renton, WA (10/20/05):
I have a low limit ($500) Capital One credit card. I hadn't had any problems with them crediting my payments, until I was involved in a "phishing" scam. I tried to contact the Capital One customer service, but the way they are set up it is IMPOSSIBLE to reach a human being on the phone. The only way to talk to someone was to pick the option to "pay by phone" and agree to a $10 charge.

I requested that my account be closed and a new credit card issued. Fourteen days later I get an identical card with the SAME account number. I called Capital One again and had to agree to pay another $10 in order to speak to a person. They admitted it was an error on Capital One's part and said a new card would be issued in about ten days.

I used to think this was a great credit card company, but now you have to pay to speak to a customer service rep.

Damages: When I asked Capital One if they were aware of the problem of reaching customer service, they acknowledged it and said they were "working" on it.

Robyn of Orrington ME (1/6/03):
I had 2 Capital One credit cards so I sent a check in full, along with a close-account-now letter so I thought they closed the account. I was paying on my other card regularly and was getting overdue ballances late fees and didn't know why. Come to find out they never closed the other account and were charging me all the fees (late fees, overdue balances, membership fees) -- you name it, they tacked them on.

BUT they cashed the pay off check and never closed the account. I called and they said they never got the close-out letter. That's funny they got the check

Pamela of Tampa FL (2/27/02):
I have been trying to cancel my Visa and Mastercard accounts with Capital One and stop accruing charges since October of 2001. They are continuing to assess charges to J. C. Penney Insurance, membership fees, and late charges made after they acknowledged that the accounts were closed. I stated very clearly in my closure letter that I had stopped authorization for any additional charges on my account and called J. C. Penney and the credit care protection company ensuring any direct charge accounts to them were closed by 11/05/01.

I do not believe that it is coincidental that the companies that Capital One is making the charges for are affiliates of Capital One. Capital One has continued to accrue charges and issue statements to me for unauthorized charges since I received their own letter acknowledging the accounts were closed. They are also attempting to assess late fees because I refused to pay for unauthorized charges.

I just received another statement on 02/25/02 stating that the account would not be closed until I paid the outstanding charges that were made without my authorization after I ensured all accounts with these organizations were closed. Thank you for your time and continue to keep posted the activities of this unscrupulous organization to help other victims of its tactics.

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