Capital One Credit Card
Excess Late Fees and Refusal to Close Accounts or Settle

I have been overcharged several times with late fees and over the limit fees, and unnecessary fees on 2 accounts with Capital One.

I have tried to cancel my accounts but was refused and told I couldn't.

I wanted to cancel my accounts to pay off my balances of $800 and $400, but they kept telling me they didn't receive payments or that my payments were late. I stopped paying them until they cancelled my accounts and let me pay off the amount I originally owed before all the fees which doubled the amount on both accounts that I had.

I tried to settle with Capital One for several years, but they refused. I was threatened with court papers but the dates on them were expired and the dates were from 6 months after the court date. They have threatened me with lawyers too.

I never had a problem with this company in the beginning but once I fought them on the fees and cancelling my accounts to pay off my bills they started adding fees and threatening with court.

I can't get a loan to pay off the debt because when I checked my report it says they charged off some of the debt but then I believe there is a judgement against me too.

I am not sure what to do anymore. Please help me get them off my report so I can move forward. I have tried for years to pay them off but they refused me every time.

Thank you.

Company: Capital One Credit Card
Country: USA
State: Utah
City: Salt Lake City
Site: capitalone.com

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