Complaint Review: Capital One

I opened a Capital One account before a vacation to have for emergencies. It sounded like a pretty good deal, no annual fees low APR, and since I had spotty credit the $200 limit was a good way for me to establish new good credit. This all started May of 2000. In June I received the card. Just in time. I had no problems the first 3 or 4 months I didn't charge anything over $60 and paid it in full each month. In Jan 2001 I charged maybe $75 on the card and couldn't send the full amount so I made a Payment...bigger than requested. The next month I got my bill and had a late charge...though my payment was sent in plenty of time. I called in Feb 2001 to have the account closed. They told me the account would be closed but interest and charges would continue until the account is paid in full. I agreed to this and cut up my card. The following months I made my payments, which they told me were never on time. Soon with all these charges my account sky rocketed over the $200 limit, and started to get additional charges for going over the limit. Soon my $50 monthly payment was not even covering the charges they were tacking on. According to them, my payments were always late... even though month after month the checks I wrote before and after there's were cashed with-in a reasonable amount of time. In Sep 2001 I paid the account in full $381. I still continue to get bills from them. I have tried disputing these charges I have even received guidance from a Lawyer. It seems there is nothing I can do. Now 6 months after I paid my account in full, they state that I owe another $380. I am refusing to pay this amount again. The only way this is going to end is if we all get together a fight this rip off Company. This is ridiculous! Please refuse any unknown charges, send back any prepaid envelopes empty, and help fight this company's unlawful ways! We have to get together and fight as an Army not as individuals! Leann Port Huron, Minnesota