I have had my Capital One card for just over two years but recently I noticed a $119.15 fee and was disturbed. It has been a few months since I had paid down my balance to $0 (as I have always done on this card) so I had not looked at the statement to even notice it; mistakenly assuming it has not been used so it's still at $0. I called the 800 number to try to figure out whether someone had used my card w/o authorization. The customer service rep told me the $60.00 fee was an annual membership fee which was placed on my account in september each year. Additionally, it is now November 28th and two late fees ($30.00 each) had created a $119.15 balance. I told him that I was not responsible for a "membership fee" & he stated that I signed up for it because it had been on something I signed.
I have credit cards which have no annual fee's and it was the only trick I had heard of to add fees to your card so I know they must have pulled a fast one or something. I asked to speak to his supervisor and got stan (employee# akn5). He stated the same company line about the fee as if scripted; then I asked him about the late fees and he said there was nothing he could do about it. I asked him who else I could speak with and he said no one else today but you could call back tomorrow thanksgiving day! I was fed up by the non-chalant attitude by then and informed him that I was the customer and told hid that he was there for me: first I asked him to place me on their do not call registry and to cancel my card. He completed my first request then told me he couldn't close the account until I first had a $0 balance (which I did before the membership fee) followed by 30 days of a $0 balance. I felt like I was being held hostage... Hopefully this letter will help because I don't think they're (Capital One) planning on it.
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