Complaint Review: CAPITAL ONE BANK

I HAVE HAD MY CAPITAL ONE CARD FOR JUST OVER TWO YEARS BUT RECENTLY I NOTICED A $119.15 FEE AND WAS DISTURBED. IT HAS BEEN A FEW MONTHS SINCE I HAD PAID DOWN MY BALANCE TO $0(AS I HAVE ALWAYS DONE ON THIS CARD) SO I HAD NOT LOOKED AT THE STATEMENT TO EVEN NOTICE IT; MISTAKENLY ASSUMING IT HAS NOT BEEN USED SO IT'S STILL AT $0. I CALLED THE 800 NUMBER TO TRY TO FIGURE OUT WHETHER SOMONE HAD USED MY CARD W/O AUTHORIZATION. THE CUSTOMER SERVICE REP TOLD ME THE $60.00 FEE WAS AN ANNUAL MEMBERSHIP FEE WHICH WAS PLACED ON MY ACCOUNT IN SEPTEMBER EACH YEAR. ADDITIONALLY, IT IS NOW NOVEMBER 28TH AND TWO LATE FEES ($30.00 EACH) HAD CREATED A $119.15 BALANCE. I TOLD HIM THAT I WAS NOT RESPONSIBLE FOR A "MEMBERSHIP FEE" & HE STATED THAT I SIGNED UP FOR IT BECAUSE IT HAD BEEN ON SOMETHING I SIGNED.

I HAVE CREDIT CARDS WHICH HAVE NO ANNUAL FEE'S AND IT WAS THE ONLY TRICK I HAD HEARD OF TO ADD FEES TO YOUR CARD SO I KNOW THEY MUST HAVE PULLED A FAST ONE OR SOMETHING. I ASKED TO SPEAK TO HIS SUPERVISOR AND GOT STAN (EMPLOYEE# AKN5). HE STATED THE SAME COMPANY LINE ABOUT THE FEE AS IF SCRIPTED; THEN I ASKED HIM ABOUT THE LATE FEES AND HE SAID THERE WAS NOTHING HE COULD DO ABOUT IT. I ASKED HIM WHO ELSE I COULD SPEAK WITH AND HE SAID NO ONE ELSE TODAY BUT YOU COULD CALL BACK TOMMORROW THANKSGIVING DAY! I WAS FED UP BY THE NON-CHALANT ATTITUDE BY THEN AND INFORMED HIM THAT I WAS THE CUSTOMER AND TOLD HID THAT HE WAS THERE FOR ME: FIRST I ASKED HIM TO PLACE ME ON THEIR DO NOT CALL REGISTRY AND TO CANCEL MY CARD. HE COMPLETED MY FIRST REQUEST THEN TOLD ME HE COULD'NT CLOSE THE ACCOUNT UNTIL I FIRST HAD A $0 BALANCE (WHICH I DID BEFORE THE MEMBERSHIP FEE) FOLLOWED BY 30 DAYS OF A $0 BALANCE. I FELT LIKE I WAS BEING HELD HOSTAGE. . . HOPEFULLY THIS LETTER WILL HELP BECAUSE I DON'T THINK THEY'RE(CAPITAL ONE) PLANNING ON IT.

Joseph
DURHAM, North Carolina
U.S.A.