I just read a report on this site about capital one ripoff on some one else. They did the same thing to me. I applied for the card and they only wanted to give me a 200 limit. I canceled it immediately because I do not need a card with only 200 limit. They never closed it. I received several bills with monthly services fees and late charges on those fees because I refused to pay. I canceled the card before those months so why should I pay fees for months it was not even supposed to be active. I sent them several letters and made several phone calls telling them this account is closed and to stop charging me maintenance fees. I never even used the card. Not even once! After I sent them a very nasty letter they finally closed the account and I never paid them the fees I know I am not responsible for, however upon recently checking my credit report the put negative marks on my credit for not paying these fees that they attached to my account after I closed it. This is the second time I had a problem with capital one not closing an account after I told them to. Last time was a few years ago and they never touched my credit though. I will never get a capital one card again. What can I do to fix my credit?
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