Capital One
Closed Account Reopened With Annual Fee and Late Fees After Two Years

After 2 years of having closed the credit card account, Capital One decided to re-open the account and charge a "annual finance charge". They however did not notify me that they did this until I was 2 months "late" on paying the finance charge. Upon calling their "customer service" I was told that they have no record of a closed account and that they will close it now, I just have to pay the total of $100.35 in late fees and the annual finance charge first.

When I objected and asked to speak to a supervisor, I was hung up on. When I called back right away, there was a message saying that there is no information on the account until the next morning at 8 am. I have called everyday since then and get the same message. There is not an option to speak with a rep anymore.

Today, a week later, I received a letter via mail that stated I owed $100.35 and the account will remain active until that is paid. Still I can not talk to a live person through "customer service". The account was closed for 2 years to the day. Why are they authorized to re-open an account without want or notification?

Company: Capital One
Country: USA
State: Virginia
City: Richmond
Address: P.O. Box 26030

  <     >