I had 2 credit cards with Capital One for about 3 yrs. I had the balances transferred and was going to cancel both cards. I ended up cancelling one of the cards with a zero balance. Not recieving any statements or anything, months go by. A letter in the mail from a collection agency stating I owed $194.24!!! I called to find out nothing from the collection department other than to owe money. I called Capital One and talked to customer service explaining that I paid the account off 5 months ago. She tells me she would handle it and send something to her supervisor explaining that this was a mistake.
A week goes by and I was still recieving phone calls. I call Capital One again. Customer service explains that there was a $3.88 balance on the account. I then asked why they would not send me a bill for that amount and instead choose to send it to a collection department. Customer service said they had a wrong address... How then did they get all my other statements to me for both accounts!!! Never had a problem before. I keep calling and now again the bill has gone up again! Customer service tells me the $3.88 just grew from fees!!! I wrote letters to every department through Capital One explaing that I have had 3 yrs of good report, nothing late, nothing never not paid. That I was more than willing to pay the $3.88 but not for fees that I was not responisble for.
They sent me statement now for $233.62, more fees!!! None the less, I pulled my credit files and it is now on my files, the only negative!!! I am very angry that over $3.88 they did not send a bill and just send me a collector, every other mail/statement they have sent I recieved, except for $3.88. I feel that Capital One ripped me off since I switched credit card companies. This is a UNETHICAL way of handling business and no company should be able to rip faithful customers off!!! I am contacting my attonery general and will find other ways to contact everyone that has anything to do with these types of cases and report them. If anyone has any good advice... Let me know! Finally... Don't get a capital one credit card!!!
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