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mail in your payment .44 cents for postage

by visvardis

1 month ago

Asker's Rating: 

so the real question here is.......If they treat you like that. Why do you play the game? They make all the rules and can change the rules in the middle of the game. They will do anything to make a buck. They are changing peoples due dates to get a late fee. Credit cards are snakes. They bit! Still people play the game. A big myth is that people that pay off their cards and never have interest or a fee are good customers. Fact, credit cards don't make enough money on you. Annual fees are coming.

by heybulldog- 1 month ago

Please get away from Capital One credit cards . They are very evil . They are consumers worst nightmare . If you can join a credit union . Just send in bi-weekly payments to Capital One . For an example if you minimum is a $100 by the 30th of each month . Just divide and conquer . Send in $50 every two weeks right after the closing date on your account . Banks really hate that when you send multiple payments and on time too. Because you are screwing them out fee's and finance rates . Check out this consumer web site too. www.my3cents.com

by His Majesty- 1 month ago

Capital One - Late Posting Charles of Winnetka CA (12/23/03): Capitol One is applying similar tactics as Direct Merchant's Bank. I have faithfully paid my bill on my K-Mart MasterCard each month. Recently I started receiving "Late Fees" even though I had sent my payment 7 or more days prior to the due date. When I contacted Capitol One their reply was, "You need to send your payments sooner. If we do not receive it on the due date you will incur the late fee." My response was what keeps you from holding my payment until the next day then charging a late fee? Their response (as I figured it would be) "Oh, we would never do that" At any rate one of the late fees placed my account over the limit and I was charged an additional "Over the Limit Fee." My next bill stated the required minimum payment due, which I paid and now I find that there were additional fees attached after the bill was generated, which Capitol one claims they do not have to disclose to the consumer. Since I have made the minimum payment I am now receiving up to three calls a day claiming I am late and that I need to do a "Check by Phone" in order to bring my account current even though I have been told that this payment is not do until January 14th, 2004. According to the Fair Debt Collection Practices Act of 1997, 805 USC 1692C(5) Capitol One is in violation of harassment, abuse and annoying the consumer. Fred of Burlington KY (5/14/04): After long suspecting delays by Capital One of either not sending statements or delaying posting of received payments, I decided to close the account. On 02 APR 2001 I checked my account balance online, confirmed it with a call to customer service and made an electronic transfer of funds for the complete current balance ($1149.15). Since this took place in the evening, I knew that thae actual transaction would not take place until 03 APR 2001, the due date on my last statement. I believed this would be the end of it. I then received a statement on 10 MAY 2001 indicating that the payment was not received until 10 APR 2001, a full 7 days after it was made electronically. I have proof from my bank that the transfer occured on 03 APR 2001. By delaying posting to my account Capital One has now posted $47.58 to my account by adding interest and a late payment fee of $25. Had they posted it on the day the received it, as stated in the credit agreement, no further charges would have occured. A phone call did no good, a supervisor was to have returned my call, but did not. Currently, a letter is in the mail to Capital One taking exception to there charges and requesting this account be taken to a zero balance. I am not hopeful. Eduardo of Middleburg FL (1/30/04): I had an electronic funds transfer done through my bank to pay off my credit card balance. This was on 1/23/2004 and as of 1/30/2004 they have not credited my account. My bank faxed them all electronic information including tracer numbers showing where Capitol One had received my payment and they still have not applied the payment of 216.00. The funds have already been taken from my bank account and every time I contact them or fax them they do not take care of this problem. They still have not applied the payment. I spoke to Customer Service on 1/29/04 and was told funds would be credited by 1/30/04 and this still has not happened. James of Lexington, KY, writes: We mailed our check of $40.99 on May 17, the payment due date was 5/27. They held my check until June 8. Then charged me 1.66 resulting in three more months they added 77.00 on something the 1.66 that appeared when they held my check. Then I paid the 77.00 in protest of them holding my check because they threatened to ruin my credit. Then I proceeded to get a bill out of nowhere for $102.00. Originally the $40.99 was paid with 10 days advance they held the check which I have copies of front and back where they held it almost 3 weeks and added $1.66 which they billed $102.00 we are still trying to find out information to get our money back. My wife has a heart condition, she tried to call, they would not talk with her. They slammed phone in her ear. She was hysterical because she hates to be cheated and have no recourse. She was totally out of it with anger. She is not suppose to be this upset. We ended up paying $176.99 for a $20.00 birdhouse.

by saved_astronaut- 4 weeks ago