Capital One in December had my billing statement to be incorrect. It all started in August. I paid by check and was told they received my June payment late. I was like ok so then in August I paid a late fee. I paid it. Come September they said they did not receive my payment. I had to do a stop payment {30.00} and then pay an over the phone payment {8.95} so in October I changed my due date from the 9th to the 24th in. November the statement with a due date of the 24th. Showing I was past due I called and was told it would be looked at. But I get my December statement showing that I still had a due date of 12/09/06 and with a past due amount. With Late Fees. I called to dispute again and the customer service rep. Said they would have a the supervisor call me. I never got a call from them. So I get my statement in January and pay what was on the statement. Thinking this was correct. I get another statement in February with a normal car payment amount. I paid it over the phone and was told it was not received and I had to do another on plus late fees on March 21 so that put me late. But then March I get another statement showing I was 2 months behind. And I called and was told I only owed and amount of 611.78. I paid that on 04/27/07 but Capital One says they did not receive it until May 1st. So guess what I had another late fee. So then I was actually late for April payment and paid it on 05/11/07 since we had taxes due. I get May statement and it showed I owed 2 months. I was so confused by their statements I paid a total of 2 months payments. I thought it was all OK because I called back after all payments posted and was told I had a zero balance. I get a June payment statement and it had I owed 0.00. So I did not make that payment because it had 0.00 I'm thinking maybe they actually made a mistake. But then I get July and it said 0.00 due. I called and the customer service rep. Said I was 3 months behind. I said there is no way. I then get upset. I made a regular payment for July by my online banking. I get a letter in the mail a Notice of default and right to cure if I did not make a payment of 0.00 by 08/03/07. I called and she said that I now owed June and July that they just received my payment for May on July 27 I requested for my payment history and it made no since to me. I spoke to a customer service rep. And she stated that I can pay 1/2 of June now and 1/2 later and give her my information to prevent them from taking further action. Because I said I could not pay 3 months. She said I could pay a 35.00 fee to move the 3rd payment to the end. I told her I did not understand this company's statements that I paid what they had on the statements that was owed. She said there system gets confused when you make more than one payment in a month, and that all my payments are going to interest. They call me every 30 min. On Saturday. I have another car loan and have never had this problem with my payments posting on time. I truly don't trust this company with my money. But I can't refinance with another company because Capital One say's I'm 3 months behind and it has dropped my score 48 points.
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