I am another one who has been fighting Capital One. I have had 4 accounts with them for a few years and never had a problem till they started getting Greedy and changed the way they charge my account. Before if I got my statement and it had a min to pay. Even if after I paid the Min and when they added the new interest charges and if that made me over my limit they did not charge me.
But in the past 6 months they have changed the way they do things and because I was careless and let couple accounts get up to max limit when I pd them and Capital One added the new interst it made them over limit and Capital One then charged me a 39.00 over limit fee.
Now on one account it has snowballed and I simply refuse to pay the fees. Now everymonth another overlimit Fee and another late fee. Trying to make a deal to get my account back to the normal 67.00 month payment has not worked. I have three accounts under my limit and doing good but they screwed me on two of them for couple months. I now owe a payment of over 600.00 on the one account and no way can I ever catch it up living on Social Security
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