Reply #6: Capital One is ratshit [View All]

[Heddi]

I had their shitty CC a few years ago when I was young and building my credit.

I was finding that I'd get my statment on, say, the 15th, and the payment would be due on the 20th. Hardly a decent turn-around time, esp. since alot of times I'd get my statment THREE DAYS before payment was due.

I called Cap One and told them that I was having a hard time making pymnts on time because the statment came so close to the due date. The lady apologized and said they'd recalculate my statement mail date--well, that was fine and I started getting statements 3 wks prior to the due date.

All was well, again, until I noticed that every month I had a $10 late payment fee added to my account. I couldn't understand this because I mailed my payment the day I got my statement and KNEW my payment was getting there on time.

Well, I checked the cancelled checks, and say my payment was due on the 20th--they'd not cash the check until the 21st. Always 1 day late.

EVEN when I did online payments, they would not process the payment until the day after my due date.

I went around and around with that fucking company, and they're all bullshitting that "Well, we didn't get the payment til the 20th, so it was technically late"---well, two months in a row I paid $14 to get next-day air delivery from the USPS---so I'd send the money out on the 10th and got CONFIRMATION that it was there on the 11th, and they STILL didn't apply payment until the day after it was due.

Of course, this was WRECKING My credit, and after I had the 2 mos payments sent by overnight, I called the company and told them that I know for a fact they got my checks on the 11th of the month and yet they waited until AFTER the due date to cash the checks. So they got rid of those 2 months late payments but not the other months.

I finally paid off the card and cancelled it, and called the state Attorney General and they were very uninterested in this and suggested I pay my bill on time---I assured them that I was payign my bill on time, and they just were not interested.

The same thing happened to my mom, who had Cap One as well as a few people I went to school with who had Cap One as well. I do not understand how that business is still IN business. They are the shadiest!