I recently closed my Capital One credit card account because of what I felt were bogus charges payable to Capital One Credit Cards. To be on the safe side I deleted my bank account checking information from the Capital One web site. I had previously authorized a $300 auto pay from my checking account on their site. My intention is to pay the credit card from my bank account to Capital One, not from Capital One from my bank. Each time I tried to delete the pending payment I got an error message and was unable to delete the scheduled payment. I called customer service and was assured that the payment would not be processed because there was no account to debit it. Being cautious I rechecked my one line account with Capital One and saw that the banking information had been re-inserted and that the payment was again scheduled. I called customer service and told them that I had not authorized the EFT, that I had deleted the bank information. I was assured that it would not be deducted from my checking account. Before scheduling a payment from my bank to Capital One I checked my transactions and lo and behold Capita One lied to me. The transaction had taken place. Now I have to concern myself with future unauthorized withdrawals from my banking account or close the bank account and reopen another.
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