11/16/2004 11:44:55 AM /MessageType: Suggestion/HowDoFind: Web Site search engine/FoundFrom: yahoo /UserName: NO THANKS/required-UserEmail: /UserTel: /UserFAX: /ContactRequested: /Comments: the ques .. and I am being laid off from them .. take over 100 calls a day in esclation situations.. 75% of the people dont process their payments on time and so how is any bank not supposed to not charge fee.. every bank charges fees .. if they dont your lying.. ALL BUSINESSES WANT MONEY .. THIS ONE USES A BIG NAME.. I AM NO WAY SAYING PRACTICES ARE ETHICAL .. I AM LOSING MY JOB.. BUT I DONT FEEL SORRY FOR THOSE PEOPLE WHO THINK THEY HAVE (A-1),(A+),(AAA) CREDIT.. NO SUCH THING (R1) IS GOOD CREDIT. FOR THE UNKNOWLEDGEABLE.. SO QUIT CRYING ABOUT THE F@#$ING FEES AND PAY YOUR BILL ON TIME PER WHAT IS GIVEN.. AND TO THOSE WHO GOT SCREWED PER ERRORS.. GODSPEED..SINCERELY HOPE THEY FIX OR YOU GET WHAT TRUEFULLY IS OWED TO YOU SINCERELY OUTSOURCED AMERICAN

Dear NOTHANKS, Sorry I need to take away ur message really soon because u submit  ur complaint without your name and contact info. (We only post ur contact info by first name only. We NEVER give ur personal contact info to anybody, we need it to prove that u are a real person with whole contact info. We saved these info into our data base in secure, when the media or some law office come to ask for info, we always inform u first and let u decide if u want to contact them.)

And I understand why u don't want to give ur contact info. Thanks for email after working for CapitalOne

Here is some message from someone who worked at CapitalOne : (Click it to read details plez)

Former Employee tells truth /Pros: Good employee benefits
Cons: Terrible attitude toward cardholders /...Needless to say, I no longer work for the company. I found it difficult to justify how the company conducted their business and just didn't feel good teaching employees how to rip off our customers. Oh yeah, check those statements good. Lots of things just happen to appear by mistake. Don't believe that one either. So take it from someone who was on the inside...

Jerome Y

March 15, 2002

Gaither Miller

Consumer Advocate

Capital One Services, Inc.

P.O. Box 85699

Richmond, VA 23285-5699

            Re:            5291071458293857

Dear Mr. Miller: /Consumer Advocate, Executive Offices
Capital One Services, Inc.((804)968-3899, ext. 6407)/ P.O.Box 85699, Richmond, VA 23285-5699
800-955-1455/ cc: Richard D. Fairbank, Capital One's Chairman and Chief Executive Officer./ cc: Cathryne Doss,  Capital One vice president. (partner business AutoVantage , Countrywide, E-Loan, Full Spectrum, InsWeb, Privacy Guard, Progressive, watch out!! People, this evil company is everywhere!! )
11011 W. Broad Street
Glen Allen, VA 23060
  hostmaster@CAPITALONE.COM , domainmgr@capitalone.com , webinfo@capitalone.com , customercare@insweb.com , 
service@autovantage.com, media.relations@capitalone.com ,webinfo@capitalone.com

This is to answer your phone message regarding want me to call you back. I'm in the middle of talking to decide a lawyer to represent my case against your bank (Capital One). Me and my representative will be calling you as soon as we have decided some details.

            In our last conversation, you offered me to waive all of the penalties levied against me for the above referenced account.  I rejected this offer. 

            The harm your company has caused me is worth far more than simply waiving penalties assessed against me.  Your company’s wrongful reporting to the credit bureaus has affected almost every aspect of my life and has made it very difficult for me to secure employment, obtain other credit cards, or purchase items on credit.

            I have prepared all of the documentation related to my claim and am going to be giving it to my attorney.  I am in the process of choosing from one of three attorneys interested in pursuing this matter against your company. 

            However, I am writing to offer you and your company one last chance to settle this matter before I am forced to resort to litigation.  I will accept a settlement of $*  and a release of all my claims against your company.  Please respond to this settlement offer before my lawyer calling you. 

                                                                                    Very truly yours,

                                                                                    Jerome Y

http://www.NO-HASSLEcard.com 

http://www.capital1card.com/CapitalOne.htm 

webmaster@capital1Card.com 

On our last time conversation over the phone, u offered me to waive the penalty off, of course I rejected, your company created these amount on purpose and harass me over 6 years, what make you think I can be satisfied by just this kind of offer.

You also told me that One million dollars I'm claim for is not going to happen, and you also want me to give you my lawyer's name and contact info.

I talked to my lawyer friend after our conversation, he said that u r right about no million dollars lawsuit without a representative, he also said, if I'm asking for the amount of million dollars, CapitalOne will get 3 lawyers to talk to me.

I now have my documents ready and going to get a lawyer. As I told u over the phone, I'm talking to 3 lawyers, and whoever can get me the best settlement will take the position.

Now, before I mail these copy to lawyers, I have one last claim for you to consider.

If you resolve my case with me only, I want to see that I can solve this without a lawyer, so I can settle my case with you and CapitalOne for $*

I'll give you one week to think over. Please let me know on 2/15/02, you have my phone number and email everything.

2/15/02, If I don't get your answer, from then it will be my lawyer talk to u. And of course, our web sites will be here all the time until you settle my claim.

J.Y.

http://www.NO-HASSLEcard.com 

Gaither Miller /Consumer Advocate, Executive Offices
Capital One Services, Inc./ P.O.Box 85699, Richmond, VA 23285-5699
800-955-1455

cc: Richard D. Fairbank, Capital One's Chairman and Chief Executive Officer.

cc: Cathryne Doss,  Capital One vice president.

Dear Mr. Miller and CapitalOne

My attorney friends predicted almost everything you were telling me over the phone. It's very disappointed for me to talk to you over the phone. He told me that you were going to offer me to waive 100% of your penalty off my account for canceling three of your credit cards. Last time, some other people from your collection agent offered me 70% big discount of your penalty charge, I had already wasted my time to answer her already, click to read my last time response, I don't want to waste my time on your 100% off offer.

Here is my final notice to you. 

1.From now on, it's going to be my attorney talk to you, representing me. And I will still post this web for the other Capital One credit card victims to you. You want to resolve my claim with me, email me anytime. If my attorney can not get the settlement I want, this web site will be still here. Let's see which way get the better resolve, the web sites or a attorney.

2.The attorney already predict that you are not the right person to offer me the resolve, so I'm refer these letters to your boss from now on. Please forward my letter (and many more from other angry victims) to your boss until he find a right person to deal with these web sites.

3.You said my web page 

http://www.capital1Card.com/capitalOne.htm 

is too chunky for you to read, excuse me, it's the information of your business, Capital One 6 years abusive harassment documents. Fine, I need to write a brief description for my attorney anyway. Until he rewrite it, this is what I'm suing you for: 

4.About to expand my web into Europe and Canada, so the CapitalOne Victims over there can have a nice lawsuits with your business, this is what I do:
Successful Registration:


Successful Registration: 337

5.This is my financial loss due to your CapitalOne harassment:

6.This is my medical history under your 6 years long term harassment: If you think it's too much to read, nobody will bother to read any, let me tell you the point of these listing: after seeing so many different specialists, my primary doctor finally decide it's Psychiatry problem. So I only seeing Psychiatrist, in the last line you will see my medical insurance still authorized 6 more outpatient visits effective 10-31-01 through 4-29-02. And they only authorize my Psychiatry visits in the final.

See you in the court! CapitalOne. In the mean time, I'll spend this Xmas day to write this final letter right for my attorney to rearrange, for you to suit your company, for the media reporter to start to dig the CapitalOne HELL your business created for the last 6 years. Keep on reading this cell, you'll see it's getting rewrite and rewrite, and whenever it's complete, don't be surprised if any media reporter and my attorney calling you.

Are you still making thousand billions dollars over us screaming angry victims? I guaranty you, this is going your very last year to enjoy this kind of filthy wealth.

Gaither Miller
Consumer Advocate
Executive Offices
Capital One Services, Inc.
P.O.Box 85699
Richmond, VA 23285-5699
800-955-1455

Dear Mr. Miller:

My attorney friends predicted almost everything you were telling me over the phone. It's very disappointed for me to talk to you over the phone. He told me that you were going to offer me to waive 100% of your penalty off my account for canceling three of your credit cards. Last time, some other people from your collection agent offered me 70% big discount of your penalty charge, I had already wasted my time to answer her already, click to read my last time response, I don't want to waste my time on your 100% off offer.

Here is my final notice to you. From now on, it's going to be my attorney talk to you, representing me. And I will still post this web for the other Capital One credit card victims to you. You want to resolve my claim with me, email me anytime. If my attorney can not get the settlement I want, this web site will be still here.

Dear Mr.Miller:

I got your phone message. Thanks for calling. Even it's still not the message I expected.

If you still want me to call you. fine, I'll call you at 12/14/01 Friday between 9 to 10 AM, Los Angeles time. But I may get a representative to talk for me, or a witness will accompany me, or maybe I'll call you in a lawyer's office.

I'm going to call some lawyers and ask some advices today. (People!! email me if I don't get the chance to talk to you! I need all kind of advices for tomorrow 10 AM phone call.) I don't plan to talk over the phone too long tomorrow, I just want to hear what you have to say, so before I call you, please read this for what I have to say.

1.If you don't settle my claim  in my offer, I'll sign up a lawyer to take over the case. I have already learn what I can get if I'm doing this on my own, now we will see what my lawyer can make how much difference. We are this close to sign up the case anyway, and I guaranty you, my lawyer will be asking a totally DIFFERENT settlement amount.

2.After tomorrow phone call, if you still try to make me call you again, I'm going to release this first hand story to a Newspaper and a TV reporter, I like to see this kind of story will attract more than 4,000 of your credit card victims join to talk to you.

3.If you don't settle this case good enough for me, I will expand my website's capabilities into Europe and Canada, you don't want to know how am I going to make it happen. I had discussed with my psychiatrist about  some nightmares I got over your 6 years credit card harassment, now I'm going to give your company a very good nightmare to sleep over with: You are going to wake up next morning to see everybody is canceling your credit card, USA' Europe' BK ' Canada or wherever, you are getting all kind of lawsuits for your business, capital1card' NO-HASSLEcard or whatever. 

Talk to you later. And let's settle this case once for all. I'm not going to repeat this when we are on the phone.

J.Y.

p.s. If most of the advices saying there is no need to call you even you want so, please don't wait after 10 AM.

http://www.capital1card.com/*******O**.htm
http://www.no-hassleCard.com . At this point, I will not make
this website public, unless I determine that your company has no interest in
dealing with my complaints afterwards.

My claims against your company can be settled short of litigation, if
your company will agree to pay me $1,600,000.00. That represents
$100,000.00 for each year I have had to deal with the problems, emotional
distress and wrongful acts of your company. These include, but are not
limited to, your company's reporting alleged late payments to credit
agencies 32 times in 24 months, which has caused me immeasurable financial
harm and loss. The remaining $1,000,000.00 represents payment for my
physical pain and suffering as a result of the stress I have experienced due
to your company's wrongdoing. If you want save $100,000.00 for the next year, you just need to settle this case before 2001, which only one more month left.

Please respond to this offer to settle my claims on or before Friday,
December 14, 2001. Please respond both in writing, and if possible, by
calling me at 3**-***-****. (You can also email me at badServics@aol.com )

If you do not respond to my claims before that date, I will have no
choice but to:

a. Re-publicize my websites showing Capital One's wrongful conduct.
b. I will choose one of the 3 lawyers I am now talking to who are interested in taking my case about this matter and file suit against your company. When my lawyer deal with you, he will ask you a totally DIFFERENT amount of settlement money.

c. I will inform the media (print and television) about your
company's conduct, and refer them to the many other customers who have also
suffered at your company's hands. I'm not calling you, my lawyer will do. And if you receive a media reporter calling you with exactly my name and all the detail information, you will know it's me release the information to him, if you still decide to wait for my phone call. 

d. I will expand my website's capabilities into Europe and Canada and
let other customers know more about your company's practices. Your company has expand the business into Europe and Canada, my web sites has received complaints from Europe about your credit card. 

Very truly yours,


C*-J.  Y*

***-***-3697

badServics@aol.com 
http://www.NO-HASSLECard.com 
http://www.Capital1Card.com 

The true reason I let you know and read these CapitalOneEvil.com web sites is because I think Capital One is a evil bank, they say they will resolve my case within 60 days, but even my psychiatrist  told me already: There are over 61,000 complaints against Capital One credit card, if they pay me one million dollars for my protest, what are they going to do to the other 61,000 angry victims?

Capital One will just hire a killer to make me disappear forever within these 60 days, it's cheaper, it's the only way to resolve these problems for good.

If this happen, I want you to inform all the newspapers and TV stations about these web sites, collect more of money and make this Bank close down and out of business. I guarantee you: Nobody know who and where you are unless this case is resolved.

You can tell their business style from Capital One's TV commercials. They are hiring lots of actors to be the invaders and robbers plundering people's money and staring at you, and yelling:" What's in your wallet ?!"

Most of the complainer still afraid of this bank, so even they are complaining, they still kind of begging Capital One to give them back they good credit and good life.

I had 3 credit cards with this bank and canceled all of them, digested and post other complainer's web posting over years.

The reason Capital One finally want to see my fraud form is not only because their debt collector giving up on help them to harass me, it's also because I post these protest on lots of new web sites, and one of these web site called "Capital1Card.com".

Capital One know that if Visa or Master Card get enough of complaints from us angry victims, Visa and Master Card will take away their credit card business. So they try to promo their credit card into their own brand, in their TV commercials, they don't call it Capital One Visa or Capital One Master Card, it's always a acting smart lady holding a credit card saying: "Robbers can not hurt me, I put all of my money into Capital One Card !" then all the robbers will groan' leave and quit on the burglary.

They try to push this promotion so hard that they had put this TV commercials on air everyday. Want to make people believe that only "Capital 1 Card" can protect people. What's in your wallet?! And they have their web sites called "CapitalOne.com" and "CapitalOneCard.com" and "Capital1.com" and other domain names.

Guess what? I post the protest digests on lots of web, one new web site is called "Capital1Card.com".

When their debt collector informed them about my new web sites, they changed their TV commercials, right now, they don't end their TV commercials with "Capital 1 card" any more, they changed the ending into "Capital One" with the echo of "Capital One", "Capital One"... and they mailed me the fraud form for me to fill. 

I posted my protest on "BadServices.com" over 2 years, they didn't give it a damn. (Of course they don't, there are over 61,000 complaints already!) I named my new web sites based on their TV commercials, then they changed the ending of their TV commercials now.

Capital One has stick their palms onto PeopleFirst Inc., the online provider of direct motor vehicle loans. They expand their business into control people's car loan, and home-equity lending.. (AutoVantage , Countrywide, E-Loan, Full Spectrum, InsWeb, Privacy Guard, Progressive, watch out!! People, this evil company is everywhere!! )

Of course they shall figure out what's my next move going to be if they don't settle me within the next 60 days.

And without my psychiatrist's mention, I can figure out what's their next move going to be.

Sis, if they resolve for the settlement I want, the whole protesting is going to be over, nobody has to see these web sites anymore.

Sis, if anything else happen to me before they resolve this case within the next 60 days, please inform this and other web sites to all the medias you can get, and FINISH this case and this bank for me. Make sure that you collect more than what I want, and make sure this bank is out of business. If you need more detail of this case without me, just ask Angie: Where is a lawyer Fl** W who live very close to her business. He has the story and the copy of all the documents.

Capital One Evil bank ruined my life because I cancelled 3 of their Capital1Cards. Also, when I tried to get a credit card from other bank, no other bank accepted me because of what Capital One done  to me. Then I saw a TV commercial "Bad credit, no credit, no problem, your credit card is guaranteed", I answered the ads, Cross Country Bank caused me lost my job because I cancelled 2 of their credit cards which I never received. Every time I write them, they just erase the bad credit they did on me one more time and apology like they are really stupid and refuse to pay any penny for their damage on me. If anything else happen to me, inform this web to the public too: CrossCountryBankStupid.com. And the lawyer has the documents of this too.

Talk to you in next 60 days. Or else.9/01/01

(9/25/01) Today Capital One changed their TV commercial ending into "Capital 1 P******** Card". And this time they let a young actor holding the card saying "I have all my money on this card, under good protection..."

So Capital One concentrate on getting young customers who need their first credit card bad. We really love to see that you change your TV commercial base on our web site critics. We'll make sure that your TV commercials will always turn out to be tons waste of money (except giving these young actors jobs). Since you change your commercial again, guess what we will do next?

8/22/01 Capital One Services, Inc. P.O. Box 85133, Richmond, VA 23286-9286

Dear Capital One, 

I am in receipt of your recent correspondence, asking me to fill out a fraud report form.  I believe you sent me this correspondence in response to my numerous complaints about the manner in which I have been treated by your company.

As I have documented to you in detail on several other occasions, your company's consistent practice of charging an assortment of unreasonable fees, intentionally charging late fees where a payment was timely received, and posting charges to my account after I have already cancelled an account are unconscionable and illegal.

Your company's harassment, threats and improper reporting of late payments to the credit bureaus is also a violation of state and federal credit reporting laws.  All of this conduct has caused me extreme emotional distress and severe economic loss, since I am unable to obtain any other credit.  Indeed, I have been forced to seek counseling as a result of your company's unlawful tactics.

I hereby make demand that you resolve this matter with me for the amount of $100,000.00 each year for my emotional and economic damages, $1,000,000.00 for causing me developing incurable tendon pains spreading my body since May, 1999, or else I will be forced to bring legal action against you.  I may also choose to increase my efforts to locate and organize other disgruntled Capital One customers (of which there are many) in an effort to assert a class action lawsuit against your company for unlawful business practices.

Please take my threats of action seriously.  I have been at your mercy for close to 4 years now and it is finally time to bring this harassment and abuse to an end.

Very truly yours,

Dear Capital One Disputes Investigator:

It's about 3 or 4 years LATE for you to mail me this form to resolve my claim.

In these 4 years, I cancelled 3 of your Capital One credit cards. Capital One have charged me lots of evil creation fee until I fed up and refused to pay. You have snatched my security deposit (and still report IRS saying that you paid me interest, with a big nerve!), report my name bad credit 32 times in 24 months. Send me to so many debt collectors for the endless harassing, forcing me to pay this fees your created and increasing these years. You caused me can never get any other credit card, caused lost my job, and the most unbearable, cause me developing a incurable pains (Multiple Sclerosis or some unknown pains) spreading over my body. Now you want me to sign this fraud information form to you? After years of debt collectors talk, now it's turn to Disputes Investigator?

I'm your long term angry victim, I learned what you Disputes Investigator did to the other victims. I know what's going to happen after you receive this form, you are going to say: after carefully review this form, Capital One will refund you 5 dollars (or $123 and 45 cents) and the case is resolved.

I don't need to hear this kind of crap, I'm posting this form and waiting for my lawyer to rewrite it. When I send the rewriting to you, you can not resolve it. You need to forward my form to your boss. I'm not asking for $123 and 45 cents refund, you did this kind of crap to other victims all the time, made an offer for them to settle claim, then turn the balance over to collections for the balance to be paid.

I'm constructing a million dollars lawsuit, you don't settle with me, I'll start to promo these web sites' inform the TV' newspaper and all the medias, collect 4000 more of this kind of million dollars lawsuit against you.

Here is brief description of the events and occurred date I'm suing you for:

On the web sites, there are over 61,000 posting complaints of Capital One credit card angry victims, I really can not post all of them, I only digest some of them  related to my case as my witness. And you don't need bother to argue with me about if you are right or me and other 61,000 complainers are wrong, I only show you this witness for all, your 

Former Employee tells truth /Pros: Good employee benefits
Cons: Terrible attitude toward cardholders /... Needless to say, I no longer work for the company. I found it difficult to justify how the company conducted their business and just didn't feel good teaching employees how to rip off our customers. Oh yeah, check those statements good. Lots of things just happen to appear by mistake. Don't believe that one either.
So take it from someone who was on the inside... 

Creditor: Capital One Bank

Dear ****

In connection with your recent dispute, we are enclosing an Affidavit and Fraud Information Form that will allow us to resolve your claim.

Please complete the enclosed document, have your signature notarized, and return Fraud Information Form to use before 08/23/01. Once your document is received, your claim will be resolved within 60 days.

Sincerely, 

Disputes Investigator

1-800-846-9966, Extension 405-1501

Capital One Services, Inc.

P.O. Box 85133

Richmond, VA 23285-5133

Now we are going to see how my claim will be resolved within 60 days.

While we are waiting, let's review what your best offer to me last time, from last year:

Time is of the essence only if you are interested in cleaning the slate on your past due CAPITAL ONE MASTERCARD account.

At this time our client is willing to waive 70% of the full balance and accept this payment as settlement in full. Account Number:5672636 Amount Due $364.36

****SETTLEMENT AMOUNT $109.31 YOU SAVE $255.05****

Act now!! To take advantage of this tremendous saving. The settlement amount must be made in one payment and received in our office on or before September 29 2000.

Sincerely, Kathryn B* Account Representative.

Dear evil Capital One: So this is your generous offer, after your willing to waive 70% of the full balance and accept this payment as settlement in full. I still need to pay how much? $109.31 ?

And I save $255.05 ?! Oh Mine!! Oh Wah!!

And how much money Capital One are making on us angry victims?

Capital One              year 2000 ($ 000)
Interest income:
  Consumer loans & fees       $2,286,774 
  Securities for sale            $96,554      
  Other                           $6,574 
Total interest income         $2,389,902

Interest expense: ($ 000)
  Deposits                      $324,008 
  Other borrowings              $202,034 
  Senior notes                  $274,975
Total interest expense          $801,017

Net interest income           $1,588,885

Non-interest income ($ 000)
  Servicing & securitization  $1,152,375 
  Service charges & fees      $1,644,264
  Interchange                   $237,777
Total non-interest income     $3,034,416

Total income                  $4,623,301 ($ 000)

$4,623,301,000.00  last year.

Capital One: You lowered your so called interest rate, increased your late fee and over limit fee, spent huge money to promo your Capital 1 Card, gave your $200 to $500 credit limit Capital 1 Card to most of  the college kids and credit beginners, hold their payment checks to create their late fee and over limit fee. If they pay the fees, you will increase their credit limits to get them spend more money on your card. If they dispute, you send them to your debt collector Capital One hell. 

Capital One, your evil idea working, you could even offer your card to a 11 years old. You got too many card holder to pay you these  Servicing & securitization'  Service charges & fees' ...

You created too much disaster already, you need to give our life back to us now. How many bad credit report you have ruined so far?

Year 2000, you made  Total non-interest income   $3,034,416,000.00, including Servicing & securitization  $1,152,375,000.00  and   Service charges & fees  $1,644,264,000.00

Capital One, you call these money Service Charge?! 

Because of your deceptive charges unreasonable late fees, lousy customer service,  Fees incurred even when sending in the payment on time & fees for going over your credit limit even if it is their interest that puts you over the limit Fees, fees, fees, processing fees, over the limit fees from the processing fees, late fees , I paid off balances and cancelled all 3 of your credit cards. I'm therefore Punished for Canceling , trapped into your excessive penalties , The worst customer service, high interest rate, low credit line, and very very aggressive to customers!  , you abusively post me bad credit report 32 times in 24 months and scheduled list until 2005.(it's only 24 months in 2 years, and you get to manage to post me bad credits 32 times ??? People lost all of their money have to file the bankruptcy, Bankruptcy bad credit report have to scheduled list for 7 years, and YOU, you get to list me bad credits 32 times and scheduled list for 7 years too ?! For what? For I canceled 3 of your credit cards, refuse to pay any more of your penalties? You increased the penalty fees from $45 (it's $10 monthly auto-charge from fitness center, I canceled your credit card, you still let it rolled in and you add in your late charge and other fucking fees, ask me to pay you $45 or my count will never be closed? I paid off cash and change that fitness center member into a 3-years cash paid off membership, and you still let your $45 (I don't even want to waste my time to remember what kind of fees you are calling this) into $800 in 2 years, you sent me to how many collectors (I don't even want to waste my time to count them). You snatched my security deposits (IRS still has the record about you claimed that you paid me interest for this money, which is cheating, you never gave me refund, you snatched it! I know you don't care me call you cheating, just wait until we get the attention of IRS on this web). 

 (Could this be a world record?! No problem, I post this lawsuit on 26 web sites and will have more and other stuffs, we'll do our best to match your corporate land shark mentality.) 

Your bad faith collection efforts have caused me extreme humiliation and distress. 32 bad credit reports and scheduled list 7 years ?!!!!!!! You make me 32 times bad than the regular bankruptcy people. I can never have my own business' loan or anything because of these reports you did. I can not even get a charge card from mail catalog with over $100 credit limit. When I tried to get another credit card, all the decent bank turn me down, I could only get to talk to Cross Country Bank, your kind of bank. (and it turn out to be another nightmare, CCB harassed me to pay them $200 more dollars for the credit card I never receive, there is no decent credit card! You two are the same Vultures!  , Money Hungry JERKS!!!!  .)

 The car salesman gave me the highest loan rates and I had to take it, he just said it to my face:" You have to take it, come on, look what Capital One post your record, 32 bad credit reports in 24 months and scheduled for 7 years!" I suffered both emotional and monetary loss as a result of your bank's actions. Further, due to the stress your institution's bad faith collection efforts caused me, I have developed physical pain for which my doctors have no explanation.

There is NO WAY I will give up dragging you to the court, and accept your so called "generous offer" like what ?! 70% discount of your penalty amount?? 

I'm constructing a million dollars lawsuit to you, if you don't settle with me any sooner, I will increase this into a multi-billions dollars lawsuit.

I find 71,600 of these kind of complaints against you from the web sites. (shame on you, Capital One!) And guess how many angry victims of your credit card are willing to suit you one million dollars lawsuit for the mental' physical and financial damages you have caused them? EVERYBODY.

So, if you still don't want to settle with me about my lawsuit against your credit card collection harassment, I will get at least 4 thousands more million dollars lawsuit to this case. Then you will have to deal with our lawyer and 4000 more angry victims, asking for 4,000 more multi-billions compensation..

According to my lawyer's advice, to drag you to the court, I need to get the session records from the psychiatrist, to prove that your rude and harassing employees has not only cost me lose my job, making less at least $100,000 each year because the job interrupting, ruined my credit life, that you have also added tension' severe stress and frustration, caused me developed physical pain, something called Multiple Sclerosis  or something something, bothering me every seconds, starting the 4th month I lost my job.

I have made the appointments with Dr. Mills. I'll give the session records to my lawyer after we have go through  talking about the history of your harassing credit card and the Capital Pain in the @.... .

Also, I will get more of  Capital One Bank credit card angry victims.

Fine, so I post this web on these sites: http://www.complaint.hm  '  http://www.BadServices.com  and http://www.CapitalOneEvil.com, also http://www.capital1Bank.net , http://www.capital1Card.com  , http://www.capital1Credit.com  , http://www.capital1CreditCard.com  , http://www.capitalOneCreditCard.com , http://www.Capital1visaCard.com ,  http://www.Capital1master.com , http://www.Capital1masterCard.com ,  http://www.CapitalOnemaster.com  etc. .

Capital One, this is your very last chance to deal with me and only me and these web sites.

If you settle with me before it's too late, my case and these web sites will be disappear before these things collecting over 4 thousand million dollars lawsuit to you.

If you still think it's not happening, I will just follow the lawyer's instructions. Capital One will soon be hit by class action lawsuit involving thousands of customers incense about your credit card Outrageous fees, Poor customer service, late bills, credit reporting errors,. My psychiatrist is going to cost me $*** each session, I don't even want to think how much my lawyer is going to cost me, how many work I have to do 61,000 emails to get these 4 thousands angry victims and edit their documents and everything. I'm VERY willing to settle with you if you talk to me right now! I like to see it's me myself alone win the fight.

If you make me go through collecting these 4 thousands cases posting and everything, you won't get to talk to me back to the original place. 

You need to answer me NOW, my next session with Dr.Mills is next week, I need your response for the session anyway. If you still keep ignoring me, you know how we will talk about you, and we all know what's going to happen from NOW on.

SEE YOU SOON!

Here are some screaming angry victims like me are waiting to drag you to the court, Capital One doing all the Devious Business Practices, I have to digest the complaints related to my case, even so, it's still A LOT! Please click to read the details culled from various web posting. With these angry victims, eventually we will increase a million dollars lawsuit into a multi-billions lawsuit to Capital One!

 I hope I get a day in court with this one!!!  interest rates fluctuate too much  Insane terms Lousy customer service, price gouging, inconsistency in charges, high interest The company is a scam Misleading practices Sales scams, phantom charges and late fees. Constant runarounds! I hope one day the law catches up to them. Bad policies and procedures Unknown charges on bill to dispute, the fees come close to the loan shark price range. fees upon fees upon fees, irrational due dates, non-existent customer service, and on and on.... Outrageous charges for everything! Out and Out Liars!   Lawsuit Anyone?  These guys are crooks. They over charge, over bill, and fee you to death from moment one and the people who service the accounts are insincere and rude. You can never escape  Watch the statement dates! lying and fraud charges ex-cons or parolees High Interest, Hidden fees, Processing fee, annual fee, Overlimit fee, late fee, cash transaction fee, no grace period, uncaring representatives, no service, How Long Does It Take to Post a Payment?????  insecure, unsecured even though I paid, they still kept ringing up the late fees and over the limit fees and never cleared the accounts. I decided not to pay anymore and now they have me in the credit bureau as a charge off with a R9 rating on my accounts and its costing me  So this is what the mafia is doing these days ... ... so on and on and on.

This is too much work for me, even for a million dollars lawsuit! How can I arrange these numerous complaints about their business practices all over the net , and I need to read and chose, post the better ones, all by myself, it's too much to read, it's too much to chose, this is not good for my health, reading these complaints is more upsetting, it get my tendon pains hurting and hurting, and just in the moment I'm about to quit, BINGO!!!

Ladies and gentlemen from the jury! Here is the best complain I need to post you: Capital One Former Employee tells truth! Do we need more witness for what this dinosaur empire doing? This one says it all! Script writers, do not forget about this material for the movie you are working on!  Dear drlUSMC, please contact us!

Former Employee tells truth /Pros: Good employee benefits
Cons: Terrible attitude toward cardholders /... Needless to say, I no longer work for the company. I found it difficult to justify how the company conducted their business and just didn't feel good teaching employees how to rip off our customers. Oh yeah, check those statements good. Lots of things just happen to appear by mistake. Don't believe that one either.
So take it from someone who was on the inside... 

Don't get me started with notify these web lawsuits to the News' Media' Evening TV News..., I'm actually saving this for the best!

http://www.Complaints.Law

http://www.BadServices.com

http://www.Complaint.hm. 

Dear Capital One,

I am in receipt of your recent correspondence, asking me to fill out a fraud
report form.  I believe you sent me this correspondence in response to my
numerous complaints about the manner in which I have been treated by your
company.

As I have documented to you in detail on several other occasions, your
company's consistent practice of charging an assortment of unreasonable
fees, intentionally charging late fees where a payment was timely received,
and posting charges to my account after I have already cancelled an account
are unconscionable and illegal.

Your company's harassment, threats and improper reporting of late payments
to the credit bureaus is also a violation of state and federal credit
reporting laws.  All of this conduct has caused me extreme emotional
distress and severe economic loss, since I am unable to obtain any other
credit.  Indeed, I have been forced to seek counseling as a result of your
company's unlawful tactics.

I hereby make demand that you resolve this matter with me for the amount of
$100,000.00 each year for my emotional and economic damages, $1,000,000.00 for causing me developing incurable tendon pains spreading my body since May, 1999, or else I will be forced to bring legal action against you.  I may also choose to increase my efforts to locate and organize other disgruntled Capital One customers (of which there are many) in an effort to assert a class action lawsuit against your company for unlawful business practices.

Please take my threats of action seriously.  I have been at your mercy for
close to 4 years now and it is finally time to bring this harassment and
abuse to an end.

Very truly yours,

Account number: 5291071458293857

Creditor: Capital One Bank

Dear ****

In connection with your recent dispute, we are enclosing an Affidavit and Fraud Information Form that will allow us to resolve your claim.

Please complete the enclosed document, have your signature notarized, and return Fraud Information Form to use before 08/23/01. Once your document is received, your claim will be resolved within 60 days.

Sincerely, 

Disputes Investigator

1-800-846-9966, Extension 405-1501

Capital One Services, Inc.

P.O. Box 85133

Richmond, VA 23285-5133

7/20/01

We have received your recent correspondence.

Please be advised that we are closing our file in this matter. 

Furthermore, we are forwarding your correspondence to our client 

Capital One for handling. Any questions regarding your credit report

should be addressed to the creditor (Capital One), as we do not report 

to the credit bureaus in any form or fashion.

PLAZA ASSOCIATES

RE *** ****

Date May 21,2001

Creditor Capital One

Account Number 5291071458293857-A

Creditor's balance due $999.80

Control Number 27197237-10

Account Representative Debra Sh*##*#

A Settlement offer for you $699.86

Please be advised that we are a professional collection agency hired by the above named creditor to assist you in the repayment of your delinquent account.

Toward this end, we have been authorized to offer you the opportunity to settle this account with one payment equal to 70% of the above total due, which is equal to $699.86... ... This offer expire on (etc. and etc. and same old bull.....)

This time, Capital One hire you to keep their harassment. How much money they are paying you this time? Did they tell you that I've been protest this over 2 years already? I don't own them anything, we're constructing a million dollars lawsuit for Capital One Bank (and this lawsuit will keep growing and growing because more and more angry victims of Capital One Credit Card cast in their votes), You will never collect NOTHING from here, in fact, Capital One paying you to get your name involved into this web protest now. I need to tell you something here:

1.You will never get any dime from me AT ALL. 

I cancelled three of Capital One credit cards in one year, Capital One created these non-sense charges from $45 in the beginning, post me bad credit report 32 times in two years, make this $45 growing into what ?! $699.86 this time, nobody is going to pay attention to this kind of amounts, send me to different collector every month, anyway, read this web you will learn the whole story.  

If you only get pay by commission, you better talk to Capital One before you waste more energy. If you only get the pay when I pay, you are getting ZERO.

2.Your name' business phone and everything will be post in here until this case is settled. If Capital One has not pay you enough to get this, you better ask more money from Capital One , because Capital One try to be the good people, and your are the bad guy who will keep on harassing' threaten' abusing. Basically you just end up to have your name post here until the case is over. Do Capital One pay you enough to get you famous like this?

Whatever you do' your mail'  phone call and all the messages will be posting on here and other web sites ( http://www.complaint.hm  '  http://www.BadServices.com  and http://www.CapitalOneEvil.com, also http://www.capital1Bank.net , http://www.capital1Card.com  , http://www.capital1Credit.com  , http://www.capital1CreditCard.com  , http://www.capitalOneCreditCard.com , http://www.Capital1visaCard.com ,  http://www.Capital1master.com , http://www.Capital1masterCard.com ,  http://www.CapitalOnemaster.com  etc.) until Capital One has settle this case with us. We get enough evidence and document to prove their evil, we are just want to work it out BIG and BETTER. This is a good story deserve whole world attentions. 

Please tell us:

1.How much money do Capital One pay you to do this harassment to me?

2.How many victims do Capital One usually send you to do this kind of job?

If you can forward this web page to notice some other Capital One victims to visit our web, so they can drop some notes about their stories with Capital One , you will be here as a hero to fight the evil.

Do you know how much money Capital One are making on us angry victims?

Capital One                  2000 ($ 000)
Interest income:
  Consumer loans & fees       $2,286,774 
  Securities for sale            $96,554      
  Other                           $6,574 
Total interest income         $2,389,902

Interest expense:
  Deposits                      $324,008 
  Other borrowings              $202,034 
  Senior notes                  $274,975
Total interest expense          $801,017

Net interest income           $1,588,885

Non-interest income
  Servicing & securitization  $1,152,375 
  Service charges & fees      $1,644,264
  Interchange                   $237,777
Total non-interest income     $3,034,416

Total income                  $4,623,301 ($ 000)

$4,623,301,000 last year, and how much money they hire you to harass me? Think about it, how many angry victims will post their lawsuit when they see this web page? Other collect agency chose our side and provide us angry victims to join our lawsuit to the bank, they will get their share and glory when we beat Capital One. We don't post some other information on the web. People won't know who is on which side.

PO. Box 20367, TAMPA, FL 33622, 456-1467936-5291071458293857

Dear * ,  Capital One has giving us authority to offer you the following settlement as outlines below.

The creditor will accept the sum of $527.32 as settlement of this account. If you agree to accept this offer please contact our office within ten days from the date of this letter.

This offer expire on MAR 15 2001. If you are unable to meet the deadline or would like to discuss other arrangements please contact our office at 800-329-3224.

PRINCIPAL: $830.53

INTEREST: $128.23

TOTAL: $958.76

Capital One has done this trick again, but this's not going to work anymore.

Capital One hire you to continue the harassment, also, try to show to the jury that the collection agents click the trigger all the time. I cancelled their credit cards, they won't give my security deposit back, won't close my accounts unless I pay the charge they created. They just added in $29 late charge and interest based on $10 auto-charge fee on a credit card I cancelled. I refuse these non-sense $45, they send me to the different collection agents, post me bad credit report 32 times in 2 years, this $45 growing into $800 something, whatever $45 or $800 something, I refuse it all the time,  last time they decrease the $800 something into $100 something, (so called- big Discount ?!) I refused and still protest on the web.

Now, they create this non-sense into what?? $527.32, and hire you to do the dirty job? You can forget about this PRINCIPAL: $830.53, INTEREST: $128.23, I don't want to waste my life to ask how does this total become: $958.76 things. I refused to pay it when it was $45, I refused to pay it when they grow it into $800 and post me bad credit report 32 times in two years, I refused to pay it when they offer to decrease it into $100 last time, what make you think I will pay anything this time?

So Capital One like to be a nice guy? It's my attitude creating the problems? It's different collection agents (including their own ) creating the charges? NCO, how much money they are paying you this time? You are paid to get your name involved into this web protest now. I need to tell you something here:

1.You will never get any dime from me AT ALL. I cancelled these EVIL credit cards (I cancelled three of Capital One credit cards in one year, read this web you will learn the whole story), so if you only get pay by commission, you better talk to Capital One before you waste more energy. If you only get the pay when I pay, you are getting ZERO.

2.Your name' business phone and everything will be post in here until this case is settled. If Capital One has not pay you enough to get this, you better ask more money from Capital One , because Capital One try to be the good people, and your are the bad guy who will keep on harassing' threaten' abusing. Basically you just end up to have your name post here until the case is over. Do Capital One pay you enough to get you famous like this?

Whatever you do' your mail'  phone call and all the messages will be posting on here and other web sites ( http://www.complaint.hm  '  http://www.complaints.law '  http://www.badServices.com  and http://www.CapitalOneEvil.com etc.) until Capital One has settle this case with us. We get enough evidence and document to prove their evil, we are just want to work it out BIG and BETTER. This is really a good story deserve whole world attentions. 

Please tell us:

1.How much money do Capital One pay you to do this harassment to me?

2.How many victims do Capital One usually send you to do this kind of job?

If you can forward this web page to notice some other Capital One victims to visit our web, so they can drop some notes about their stories with Capital One , you will be here as a hero to fight the evil.

Think about it, NCO. Next time I will get your name. Yes, I got your message on my answer machine, but I prefer you deal with me in email, live it, this is a e-generation, computer ages. Everything is happening. 

Happy new year. You have sent me to a new collection agent, and I have filed this case to more web sites complaints forum. We're getting some good connections this year, I promise you this year we're going to get you really something this year.

Dear IRS: Capital One Bank still report they are paying interest to my Capital One accounts security deposit. I never get any interest income from this bank. I paid them security deposit twice to get 2 credit cards, they gave me third one because I cancelled the first one and complained about it creating late charges and overlimit fees even I pay the balance full and on time. The story end up with I cancelled all 3 of these credit cards and refuse to pay anything to them. They post me bad credit report 32 times in 2 years' send me to different collection agents and cause me lost my job and developed health problems. They never give me my security deposits back. I never get any interest income from this bank. They are still report you that they are paying interests to my cancelled accounts. Please remember to go after this issue after this case is over.

1.After I paid security deposit and got the first credit card from you, you told me that you will give me three times higher credit limit if I take the second credit card from you, lured me to pay another security deposit, paying two Annual membership frees for two cards from you.

2.You always post my payment check late, and because the credit limit is so low, I also got over limit fee $25 plus the late charge $25 and the interest, sometimes I had to pay more than $50 dollars for nothing, just because you don't credit my payment check, and I still use the card. I warned you twice, it still happened, I cancelled the first card, you did not refund my security deposit in full, gave me the third credit card, made me believe the new one could be better, and lured me still paying two Annual membership frees for two cards from you.

3.You still post my payment check late, the second credit card with higher limit still keep creating the late charge and over limit fee. I cancelled the second credit card, this time you never refund me any more security deposit. You told me that there is a Fitness Center auto-charge $10 from the CANCELLED card, you added late charge $25 and interest charge, demanded me to pay $40 dollars for these non-sense. I paid Fitness Center in cash and changed the Fitness Center membership, you still let this non-sense auto-charge keep growing into hundreds dollars, and still keep demanding me to pay this non-sense for this CANCELLED second card.

4.I refused your non-sense collecting letters, asked you not to mail me these non-sense anymore. I mailed them back to you with my payment checks for the third credit card every month. You started to report me bad credit for this CANCELLED second card, and also started to snatch my payment checks for the third credit card, 3 times in 4 months, cashed my checks, not to post the credit amount. For the third credit card, even I mailed my checks in every most early post service, I got "NO PAYMENT RECEIVED" on my monthly statement, 3 times in 4 months, of course there are Late charges' Over limit fee' Interest fees. So I've forced to call your office to talk, you just insist that there is no mistake, if I want to prove that you have snatched my checks, I have to go to my own bank to purchase the photo copies and mail them to you, then you'll check. And of course everybody remind me that your computer showing that I owe you money for the second cancelled card.

5.I bought the photo copy (to prove that your bank had cashed this check already) and mail it to you, you then credit me back some amount back, and still demanding me to pay for the late charge' interest fee, all the non-sense fees you want me to pay, for the second cancelled card and the third card.

6.I paid off the balance and cancelled the third card. this time of course, you never refund me any security deposit money back, and still keep demand me to pay all of these non-sense fees I've refused. You send me to the different debt collectors every month, report me bad credit 32 times in 2 years. And scheduled to keep on list these until the next 6 years. To show that you can do everything you want to make me pay, you could post me bad credit same case 90 days past due TWICE  in 2 different months. Started to report me bad credit and snatched my payment check at the same month. $10 auto-non-sense charge, you can make it grow into $865.96 non-sense with a warning "UPON RECEIPT OF THE SETTLEMENT AMOUNT, THE APPROPRIATE CREDIT AGENCIES WILL BE NOTIFIED THAT THIS ACCOUNT HAS BEEN SETTLES IN FULL. ... ...." demanding me to pay.

All of these evil tricks you dare to do on me, just because you know that I still have security deposit on you, also my credit is bad, 32 times bad in 2 years, no other bank is going to take me unless I talk to you... ...

Your banks bad faith collection and reporting practices have caused me
great stress and as a result, I can not get any other credit card. I'm paying the highest loan interest because the credit is so bad that's the only offer I can get. After they check the credit report you done on me, all the bank talk to me like I owe you tons of money. I have developed physical pain for which my
doctors have no explanation.  Indeed, one doctor told me that that the pain
was purely psychological and told me I should see a psychiatrist.  These
unbearable damages you've done, all in the name of collecting on your credit
  card!  At this point, I do not want any written apologies.  All I ask is a
for a good faith settlement of my damages.  If I do not hear back from you,
I have no choice but to sue you for one million dollars in damages.

I would like to address your concerns. Please contact me at
804-968-3899, Ext. 6445. I am usually available between 8:00-5:00
E.S.T.
Regards,
Kerry Raia

Executive Response Specialist
Capital One Services, Inc.

Capital One Services 9/20/00 1:19 PM                                       

Please tell me what's your offer. My lawyer will go through it and I will call you back.

Regards                                                              

Capital One saying Your introductory purchase APR is 0%, but in the small print, it saying: Beginning with your March 2001 billing period, a variable rate of LIBOR plus **.**%, current 29.99%. It also saying (in a very small small print) your annual percentage rate for purchase may vary monthly. printing in such a small size.

Capital One saying it's Annual membership free, but in another small print, it saying $0 for the first year, $29 thereafter. printing in such a small size.

Capital One increases their Late payment fee into $29, over-the-credit-limit fee $29, printing in such a small size.

The fees used to be $25. 

What do I care about these fees? I used to have 3 of Capital One credit cards. (What??? Three credit cards from this bank, at the same time???) They post my payment checks late every now and then, charged interest and late fees on my accounts that had been paid on time. In some months I often had to pay the late charge plus the over limit fee they created. I got the second card because they told me they will give me 3 times credit limit for the security deposit I give them.

I cancelled the first credit card because they created these charges more than twice, they did not refund my security deposit in full, but they gave me the third credit card saying it's better than the cancelled one. 

I cancelled the second credit card because it still creating late charges and over limit fees, they said there is $10 auto charge on it after I cancelled it, and they added late charge asked me to pay Forty something ( I dispute these nonsense fees all these years, never remember the exactly amount), I dispute their nonsense and paid my third card balance in full and very early mail every month to make sure they have no more excuse to create late charges, they just  snatched 3 of my payment checks for the third credit card in 4 months to force me call back to talk to them. I had to buy the photo copy to prove that these checks had been cashed or else I would always getting "No Payment Received" in these monthly statements.

I cancelled the third credit cards and still dispute their creation late charges, they snatched my security deposit money and send me to different debt collectors each month, and post me bad credit report 32 times in 2 years. (Last time I checked, it shall be more than 40 times in this year. The Forty something dollars I started to dispute has grown into $865.96 at August 02,2000, And guess how much money they are forcing to collect from me now?)

How did I end up have three of this kind of credit cards from Capital One and get myself into these mess??? starting by sign up this kind of Capital One credit card application letter without reading their small print.

Watch out! Be very careful about this blood sucking evil bank.

Here is some great news about what's going to happen to you next time, Of course you will be so afraid that our viewers will remember these details, and of course I will post this story over here. For the law suit collection for you. Here is the looks to you, Capital One:

The bank also allegedly failed to provide billing statements to plaintiffs for a period of more than 20 months, yet charged late fees for the period in which plaintiffs were not being billed, the lawyers said. 

WILMINGTON, Del., Sept 25 (Reuters) - Credit card giant MBNA Corp. (NYSE:KRB - news) agreed on Monday to pay $6.4 million plus legal fees to settle a 1996 class action lawsuit alleging that MBNA used ``false and misleading representations'' to lure cardholders of rival companies to switch.

Had the case gone to trial, the damages sought would have been nearly $13 million, according to plaintiff attorney James Latturner. The case is the latest in a number of recently reported settlements of consumer lawsuits against credit card companies.

Last week Chase Manhattan Corp. (NYSE:CMB - news) paid $22.2 million to settle claims that the bank charged interest and late fees on accounts that had been paid on time.

Last month, Citigroup Inc. (NYSE:C - news) unit Citibank settled similar claims for $45 million; and in June, Providian Financial Corp. (NYSE:PVN - news) paid $300 million to settle charges of providing misleading information on rates and fees.

In the MBNA lawsuit, plaintiff Andrew Spark said that in 1995, MBNA offered an interest rate of 6.9 to 9.9 percent - about half the going rate - on cash advances and on accounts transferred from other card issuers. Spark accepted the offer, as did 1.8 million others.

But in an affidavit, Spark's expert witness, Robert Thompson, testified that MBNA's ``low introductory APR credit card program is a misleading, deceptive and fraudulent scheme designed to induce an unsophisticated consumer and even some sophisticated consumers to open credit card accounts, to transfer balances and make purchases, without full disclosure of the account's terms and conditions.''

Calls to MBNA were not returned.

Yes, we are suing Capital One Bank over here. Please join us.

Cut your Capital One credit card and post your story, suing how they abuse you with their systems for one million dollars each. Your full name won't be posted at all. You can post every detail except your name. Save your documents until we meet this f****** blood sucking evil bank in the court.

webMaster@BadServices.com

Let the record show, I dispute your case on this web for years, you still ignore my protest and add more damage to me. If you don't recover all the damage to me these years, next month we are going to promo this web site into all the searching engine, I'll make sure all the web site viewers will get to see this web site about "Capital One" when they are searching the web by "Business and Economy" " Shopping and Services", "Financial Services", " Credit and Finance", " Credit Card Issuers", "Credit report", "Banking" and all the financial related subjects and category. I have also submit your case into another web "http://www.Complaint.hm", please pay a visit and enjoy your famous over there.

You make your customers pay you more security deposit to get more credit limit from your credit card. You always post customer's payment checks on the later date to create the late charge and over limit fee, and if the customers refuse to pay for this kind of creation fee, you snatch their security deposit, send them to the debt collector and report them to the credit report.

You have one month to answer these demands:

1.I cancelled the FIRST Capital One credit card because it created OVER-LIMIT FEE' Late Charges more than twice. I demand you to give me all the records about when did you received and cashed my payment, also when did you post these credit. I'll have my own bank records to see how you always postpone my payment credit.

Also, I need you to explain this, I paid off the balance and cancelled this card, how come I don't get the whole security deposit refund in full?

2.I cancelled the SECOND Capital One credit card (it got higher credit limit and cost me more security deposit), because it still created OVER-LIMIT FEE' Late charges, I demand you to give me the same listing, all the records about when did you received and cashed my payment, also when did you post these credit. I'll have my own bank records to see how you always postpone my payment credit.

This time you did not let me canceled it, you said there was a $10 fitness center monthly auto charge, even I canceled the card, the charge is still on, and you want me to pay $40 something for it, because you've already add in the late charge' finance fee...

Now, I need you to explain this, I paid off the balance and cancelled this SECOND card, how come I don't get any security deposit refund ?

Because of this $10 auto charge??? I don't get any refund of my thousand dollars security deposit? 

How did you come up with charge me $40 something for $10 fitness center auto charge on a cancelled card at the 8-1998 ? My thousand dollars security deposit can not cover it?

Also, how did you end up with close this account by $279 written off in 6-2000. $348 past due as of 6-2000. Charge off as 6-2000, 5-2000, 3-2000, 11-1999 to 2-2000, 7-1999 to 9-1999. 180 days as of 2-1999. 150 days as of 1-1999. 120 days as of 12-1998. 90 days as of 11-1998. 60 days as of 10-1998. 30 days as of 9-1998, and the account is scheduled to continue on record until 9-2005 ???? 

So you have report me to the credit report like once every month since 9-1998, like how many time already? Ruin my credit 24 times in 2 years? over a $10 auto charge? With thousand dollars security deposit in your hand? and the account is scheduled to continue on record until 9-2005 ????

So, by what kind of law, you get to snatch all of my security deposit, and still get the nerve to post my credit report, every month, and scheduled to continue on record until 9-2005 ? Because of this $10 auto charge monthly? That fitness center membership was cancelled, and I paid other fitness center 3 years membership by cash already, you still let it AUTO CHARGE every month on this credit card was cancelled already?!

3.For the THIRD card I cancelled:

Since it was the only card I left, to make sure you wouldn't get the excuse to post my payment late and charge me Late charge, I was paying the whole balance in full and also in the best early mail every month.

But, I was also denying your $10 auto charge non-sense  from the cancelled SECOND card every month. I wrote "DON'T EVER MAIL ME THESE NON-SENSE, I PAID OFF AND CANCELLED THIS CARD LONG TIME AGO" on your SECOND card statement and mail it to you  together with my payment for the THIRD card.

You then decide to teach me a lesson, right? 

You don't even post my payment any more, YOU JUST SNATCH MY PAYMENT CHECKS, 3 times in 4 months.

8-1998, I ordered some $50 product by phone, the company called me next day, saying that they could not charge $50 to my credit card. 

But I had paid $666.79 for the last month balance and mailed out the check weeks ago! I called and confirmed, yes, My bank told me that my $666.79 had been cashed. 

I could not get the order, Capital One done it again, charge me $25 over-limit fee for order some $50 product, I got nothing except this $25 over-limit fee (which is the reason I cancelled the last two credit cards, I told Capital One , if they ever let this over-limit fee created again, I'll cancel the card, they let the over-limit fee with the late charge occurred over and over to every card, three cards from Capital One). And, yes, how Capital One has been so ready for me, when I called them, they insisted that there was no error, no mistake, if I want to prove that they could be wrong, I need to buy a photo copy of the cashed check and mail it to them, then talk...

For the next 3 months, before I got these paper works went through, I had to read your stupid statement with these OVER-LIMIT fee, late-charges, finance fees, ... I refuse to pay off the next month balance this time because there were so many fees you created AGAIN, I mailed  $79.95 check and demanded you to fix the errors.

And guess what? next month you snatched my $79.95 check too. So you have already  make up your mind about how to do to my payment checks then? Or this is your systems? All the customers get this kind of attention?

9-1998 I got your stupider statement saying "No Payment Received", late charges, finance charges... I wrote you $67.39 this time. (9-1998? That's the same month you started to post my credit report for the SECOND cancelled card, the $10 auto charge.)

And, next month I got your another stupider statement saying "No Payment Received", late charges, finance charges... I wrote you $187.45 this time.

My god, you were so ready for me, you  people were all  insisting  no error every time I called, demanding me to buy the photo copy for every cashed check I wrote.

You snatched my payment checks 3 times in 4 months. And you want me to crawl back to you, buy the photo copy to prove it, to beg you to post my payment checks to get my credit back?

I don't have to beg. You think you are the bank, and I don't even speak English correctly, you can do anything you want to me???

I post everything on this web site and got all the paper work through, now you are telling me that $666.79 was credited on 10/8/98, (two month late?) 10/6 $79.95 U said it credited at 10/12/98? 11/17 $67.39 U said it credited at 11/20/98. 12/16 $187.45 U said it credited at 12/21/98???

$666.79 is kind of big money, so I bother to spent $10 to buy the photo copy to prove it's snatched, so I caught you posted two month late. The other three checks are all small amount, I did not want to spend $10 to buy the photo copy to prove it, and you think you can get away with them?

You think you corrected everything correctly? Excuse me, I played a trick to you already, I told you the dates on these checks, but I never tell you the dates I mailed out these checks! $666.79 posted two months late, I caught you in red hands. And there is no way the other three checks could be posted by these dates on the checks, because I did not mail out these checks on the dates I told you.

And after these mess, you refunded me some non-sense charges with no apology, and still ask me for the late charges for the THIRD card, late charge for the SECOND card... ....You think you teach me a good lesson already? I shall pay everything you want me to pay from then?

I don't even want to talk to you anymore, I paid off the leftover balance on  the THIRD card and sue you one million dollars for all the harassment you did me over three credit cards these many years.

Then  you sent me to the debt collectors, how many times? in these years?

For this THIRD credit card, do I need to demand you give me any explanation? No, I don't need you to re-print anything for this card, I got every evidence printed in black and white. Tell you the true, do I need to wait for you to mail me these document re-prints about my FIRST and SECOND cancelled credit cards? No. I'm just have fun with you. Whatever I got for how you snatched my payment checks 3 times in 4 months is good enough to get you Capital One close down. I just want you to spend more money to maintain these records of these cancelled cards, I just want you to spend more money to hire a special person to deal with me, and thousand lawsuits will come from this web site.

You have one month to undo the damage you done to me these years, if you can not make me satisfied for what you do, I'm going to promo this web site into all the searching engine at 9/15/2000. I guaranty you, starting with the date, all the web site visitors going to enjoy these story. And I promise you, I'm going to do you a surprise promotion, get all the credit card holders to visit this web site for the chance to win million dollars from you. Any Capital One credit card holder submit their story about your credit card, they will add in one more million dollars suit to you. Because I had to wait some period to promo this into searching engine, and you think I don't know how to play the game? You are so wrong. Let's wait until the 9/15/2000.

Because I refuse and cancelled three of your credit cards, you snatched all of my security deposit money, and report these charges to my credit report. I'm suing you one million dollars for the harassments these years and my credit damage you caused.

Are you still mailing the consumers of your credit card application invite letter? Saying your credit card is something about free charge and only 5% interest (or even less??? and you are still try to charge your cancelled customers over 20% interest?!)  Don't! I have one of this copy, and it's the most ******* ****** thing I've ever seen.

These are what you report to my credit history, of course you have ruined my credit really good:

Capital One Bank 5291071340494...

Status: account charged off/past due 180 days. $279 written off in 6-2000. $348 past due as of 6-2000.

Account history:

Charge off as 6-2000, 5-2000, 3-2000, 11-1999, 12-1999, 1-2000, 2-2000, 7-1999, 8-1999, 9-1999.

180 days as of 2-1999

150 days as of 1-1999

120 days as of 12-1998

90 days as of 11-1998

60 days as of 10-1998

30 days as of 9-1998

This account is scheduled to continue on record until 9-2005.

Capital One Bank 5291071458293...

Status: account charged off/past due 180 days. $842 written off in 6-2000. $842 past due as of 6-2000.

Account history:

Charge off as 6-2000

180 days as of 5-2000

150 days as of 4-2000

120 days as of 3-2000

90 days as of 2-2000

60 days as of 1-2000

30 days as of 12-1999, 9-1999 (Dear Capital One, how can you post my credit report 30 days as twice in two different month? If you love to harass people, don't you at least need to do it right?! You think this kind of posting make sense to people? How many clerks are working on posting my credit report of these two cancelled credit cards? two? Could you tell them at least do it right? How could this happen 30days as of 12-1999 and 9-1999??? Don't bother answer, we know the true already.) 

This account is scheduled to continue on record until 12-2006.

So, totally for the three Capital One credit cards I used to cancel, you post my credit report 32 times in 2 years, and scheduled to continue on record until 12-2006. You created late charges and over limit fees more than twice on the FIRST card. You created late charges and over limit fees  twice on the SECOND card. You snatched my security deposit money. You snatched my payment checks 3 times in 4 month on the THIRD card. You post my credit report twice on two cancelled credit cards. Every month. You add in your $85 membership for posting my credit report every whole year. You add in $25 late charge and 20% interest rate every month.

Capital One, Don't you feel ashamed of yourself?! 

... ... ... ...

It's our turn now, all the Capital One credit card victims, please post your story here, sue the bank, close this bank out of business. We can do it! Let's sue Capital One one million dollars for each harassment service they done to us.

Capital One,  you don't think I can get you? Let's wait until this grow to be a thousand million dollars suits to you. 

Do I need to sue them about to make me had two credit cards from the same bank at the same time? so they can charge me membership fees twice and play these tricks double chance at the same time? so they can own more security deposit from me but less credit limit to me? Come to think about this, this bank is really tricky. What's the word to describe this bank? ...

webMaster@BadServices.com

Limbo Rock, how low can you go...

My friend tell me, his credit card is so nice to him this year, he doesn't have any problem. Well, tell me how much is their rate, we'll give you a list of other banks with the lower rate.

webMaster@BadServices.com

August 02,2000,

 P5204931

AMOUNT DUE: $865.96

Stop trying to play catch up. The TIME to SAVE is NOW!

Your creditor, listed below (CAPITAL ONE, Acct#5291071458293857), has agreed to accept 649.47 as a full and FINAL SETTLEMENT.

This means NO more MONTHLY PAYMENTS and no more time needed to dig yourself OUT OF DEBT, for this obligation. ... ... ... ...

July 25, 2000,

 P5204931

AMOUNT DUE: $862.28

YOU HAVE IGNORED OUR PREVIOUS REQUESTS FOR PAYMENT OF THE BELOW REFERENCED BALANCE.

IF WE DO NOT RECEIVE FULL PAYMENT WITH 7 DAYS, OR A CALL FROM YOU TO ESTABLISH SATISFACTORY PAYMENT ARRANGEMENTS, WE WILL BE UNABLE TO ASSIST YOU IN AVOIDING FURTHER COLLECTION ACTIVITY. ... ...

July 05, 2000,

 P5204931

AMOUNT DUE: $853.08

Stop trying to play catch up. The TIME to SAVE is NOW!

Your creditor, listed below (CAPITAL ONE, Acct#5291071458293857), has agreed to accept 639.81 as a full and FINAL SETTLEMENT.

This means NO more MONTHLY PAYMENTS and no more time needed to dig yourself OUT OF DEBT, for this obligation. ... ... ... ...

May 30,2000,

 P5204931

AMOUNT DUE: $836.06

SPECIAL DISCOUNT OFFER

The below referenced account has been placed with this office for collection. Request is therefore made for payment in full. However, CAPITAL ONE has agreed to accept one single payment in the amount 627.05 as full and final settlement on this account.... ......

Remember, CAPITAL ONE provided goods/services in good faith, They demonstrated their trust in you by extending credit. Show that their decision to trust you for payment was well founded by taking advantage of this more than generous offer.

Sincerely,

Consumer Services Department

Creditor: CAPITAL ONE    Acct#5291071458293857

Amount Placed 834.68

Interest Since Placement 1.38**

**This amount is interest that has accured since the date your creditor placed the account with us for collection. This figure does not include interest that may have accrued prior to the date the account was placed with us.

Dear Collectech Systems: "accured" spelled wrong. I don't want to correct it for you. I like to keep these files original. I feel so sick when I have to read this: Remember, CAPITAL ONE provided goods/services in good faith, They demonstrated their trust in you by extending credit. Show that their decision to trust you for payment was well founded by taking advantage of this more than generous offer. How disgusting can you ever be?! I can't believe that you are actually using "generous offer" these words. So it's a $10 auto charge on a cancelled credit card, you throw in $25 late charge and other creative charge fees, add into 40 dollars something, I refuse it all the time. Then you snatch my security deposit money, post me bad credit 32 times in 2 years, make it grow into $834.68,  and call this "generous offer"? Is this the way you talk when you've tortured your victims enough and they are screaming "Have a mercy, please kill me, I can not take it anymore? I'll pay anything you want." Then you say "Here is my generous offer"?

Are you watching too much God Father movies? or you are actually one of the gangster? I'm not surprised that Capital One hiring somebody like you talk this way to me. You want to do the gangster talk to me, that make this web site more fun, I have one gangster talk to you: Yes, I'm fighting your evil bank, single handed, actually it's both hands on my computer keyboard, and it's too late to have your brothers get me murdered on any arranged accident, because this web is hot now. People expect to see me fighting you over here every day. Say hello for me to your God Father.

c/o ARROW FINANCIAL SERVICES LLC.

7301 NORTH LINCOLN AVE. #220

LINCOLNWOOD IL 60712-1709

ACCOUNT #5672636

MAY 12,2000       AMOUNT DUE: 343.79

AT THIS TIME OUR CLIENT IS WILLING TO SETTLE YOUR PAST DUE ACCOUNT FOR 50% OF THE FULL BALANCE AND ACCEPT THIS AMOUNT AS SETTLEMENT IN FULL. THE SETTLEMENT AMOUNT MUST BE MADE IN ONE PAYMENT AND RECEIVED BY OUR OFFICE ON OR BEFORE MAY 26,2000.

SETTLEMENT AMOUNT $171.90 YOU SAVE $171.90

UPON RECEIPT OF THE SETTLEMENT AMOUNT, THE APPROPRIATE CREDIT AGENCIES WILL BE NOTIFIED THAT THIS ACCOUNT HAS BEEN SETTLES IN FULL. ... ....

IMPORTANT NOTICE REQUIRED BY LAW: THIS AGENCY IS ENGAGED IN THE COLLECTION OF DEBTS. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

SINCERELY,

JACK W*

ACCOUNT REPRESENTATIVE

IF YOU WISH TO PAY BY VISA OR MASTERCARD, FILL IN THE INFORMATION BELOW AND RETURN THE ENTIRE LETTER TO US

I, DO NOT OWE YOU ANYTHING, thanks for the special discount offer.

You CAPITAL ONE owe me one million dollars.

You post my bad credit report 32 times in 2 years, caused me have no more credit life, now you want me to pay your creation late charge non-sense on your f****** blood sucking card?! (which I've cancelled, all 3 of them) Capital one, you are a f****** blood sucking evil bank. You #%* of %****.

Thanks you,

very much!

Sincerely, ... ...

RE:529107-1458293857

RE:529107-1340494572

Dear Capital One and Account Supervisor:

About your response to my dispute letter, let me make my dispute official and post it here forever:

1  .I cancelled the FIRST credit card from Capital One, because you Capital One kept charge me OVER LIMIT FEE charge, even I tried to pay off the balance in time, it still happen. I can understand Late Charge, Finance Charge, but what is this OVER LIMIT FEE?! I want U to say it so I can remind all the web site viewer.

You make your credit card customers deposit security money to get the credit limit, if customer charge this credit over the  limit, then you get to charge how much?? $25 as penalty? And the customer need to deposit more money if they want higher credit limit to use? Good thinking. I got these over limit fees over and over so I cancelled it.

Now, I want you to print me the list about this FIRST cancelled credit card, only these months when  the OVER LIMIT FEE happened, I need the balance records during these months, was I really late for mailing out  the payment checks so you got the excuse to charge me $25 extra, or was that because you were just holding my check until it's late?

After you give me the reprint of these 3 times over limit fee happening, I will get back to you again, with my check cashed record from my bank. The other viewers will give me more information about how you handle customer's payment too.

Don't try to show me these small print from your policy to tell me, it's your bank, you can charge anyway you want and we signed and agreed and everything. I want you to tell WWW what happened so nobody will ever agree on this.

2..I paid off the balance and cancelled the SECOND credit card from Capital One because of the same reason, the over limit fees still happened and happened. And you let the fitness center charge $10, plus your late charge' finance charge and asked me for up to almost $50, I refused to pay since I cancelled it, and you keep let this $10 plus your late charge and finance charge $30 something add in and growing and growing, and sent me to the debt collector TWICE for how much money now? I need a list of whole time, a good listing, please, we can have fun reading this.

.You said that Capital One Bank did received my payment $238.52 on June 16,98 and credit from my security deposit in the amount of $71.28 (June 22,98) to close my account  and it was my "responsibility to cancel pre-authorized charge from 24-Hour Fitness Center to keep the balance at zero to close the account".

What a ******* ***** bank U are, I know my lawyer won't allow me to say anything about U except the true and the fact, I still like to say this before it's my lawyer's turn.

I paid off the balance $238.52 because the balance was $238.52. But I never learn that U were still holding my security deposit of $71.28. And what U did with this $71.28? (Actually my security deposit is more than hundreds dollars, how did you change it into only $71.28????)

When I cancelled the SECOND credit card, aren't you supposed to tell me that I still have $71.28 from the security deposit? Even you let the fitness center auto-charge $10 (of course you will!) and even you added in late charge, finance charge, into a balance of $50, Aren't you supposed to tell me that I still have $71.28 deposit?! U were holding $71.28 security, and harassed me for $50 or how much? I want a listing now.

We need to know when did I cancelled  your SECOND credit card, and when did you let the $10 auto-charge roll in? And what happen to my security deposit you are still holding? and how did this $10 auto-charge can become such a mess and let you sent me to the debt collector TWICE? I need you re-print.

Let me tell you one thing about this auto-charge, I used my business American Express card to pay the web site email account auto-charge too.

When we cancelled the American Express, the web site company could not  get the auto-charge again, you know why? Because we cancelled the card, and the web site could not get the money, and they had to write  me and tell me the email was down because of no more payment, and I did not give them the new credit card number, we just let the email account closed AUTOMATICALLY.

We cancelled American Express, the email account automatically closed, do I need to call the email server? no! And what you do? You automatically create this $10 charge into this mess. Go ahead say it's your policy. And it's a free country, and you are a big bank, you can do anything you want. I'm not suing you because of your policy. I'm suing you harassed me because  I cancelled your cards.

3. About the THIRD Capital One credit card we cancelled on each other. Since you harassed me with these $10 auto-charge plus $30 late charge from the SECOND cancelled card, Right after I wrote U "I'm going to sue U If U dare again to keep mailing me these nonsense statements and harass me for this", How dare U start to snatch my payment checks for the THIRD credit card?

U did it, and U did it, and U did it. U snatched my payments checks  3 times in 4 months.

In your response, U say U checked, U do not see any error from Capital One. U did not snatch my payment checks 3 times in 4 months.

$666.79 was credited on 10/8/98, almost two month late, it is snatched!

U people were so ready for me, when I called, I got nothing like apology,   I had to buy the photo copy from my bank to prove that the $666.79 was cashed to Capital One last month.

I proved that you snatched $666.79, so U had to post the amount back (TWO MONTH LATE).

The snatching cost me late charge' finance charge' over limit fee charge, and the photo copy fee I had to spend to buy it to prove that Capital One did cashed that check, and everything, did you credit them back too? No! You snatched my next $79.95, there was no $79.95 on the month balance, only the "PAYMENT NOT RECEIVED" again, and of course, LATE CHARGE, FINANCE CHARGE. And so on next month, and so on. 3 times in 4 months.

Now U are telling me, according  to your re-print, there is no error: Only $666.79 was snatched. The other 3, U posted them right?

10/6 $79.95 U said it credited at 10/12/98?

11/17 $67.39 U said it credited at 11/20/98.

12/16 $187.45 U said it credited at 12/21/98.

So U only snatched my payment check ONLY ONCE because I mailed U the photo copy to prove it?

And U said the other three checks were credit on time???

Let me tell U something, I tricked U too, I'm smarter than what U expected.

I did not give U the exactly DATE of these checks, there were NO way that $79.95 could be credited at 10/12/98!

There is NO way U could credit that  $67.39 before 11/20/98 either. There were only LATE CHARGE, FINANCE CHARGE, everything U were just  waiting for me to call again to beg U to put it back.

There is NO way U could credit that $187.45 before 12/21/98. U shall see it when U are reading the LATE CHARGE and FINANCE CHARGE on these months.

If U want to prove that U had credit these 3 checks in time, how do U explain about these LATE CHARGES?

I have paid off and close the THIRD credit card since you received my last payment check.

I don't owe U anything now, not ever the SECOND cancelled card, not the THIRD cancelled card. U need to tell me how many security deposit U are still holding to against me now.

I'm suing U for two main harassments:

1.U created an almost thousand dollars balance to harass me over years over a $10 monthly auto-charge.

2.U snatched my payment checks 3 times in 4 months because I wrote U and saying "I'm going to sue U if U keep me harassing me about this second cancelled credit card.

Don't try to tell me that A bank is allowed to have error or mistake, the errors U did on my accounts are all on purpose to harass me.

I don't need to contact NCO/MAB collection agency at 800-709-8625 to make any payment arrangements because I have no more remaining balance.

U, Capital One Bank need to pay me for all the damages U have done to me.

I'm posting this case until I collect enough story about your bank.

Your request to close your account has been received. your account will be closed when it reaches a $0 balance.

Until then, you will continue to receive statements and must continue to make payments. All terms and conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all charge which automatically bill to your account.

RE: 1458293857

Dear Capital One Bank:

According to my lawyer's advise, I shall play this game better if I go ahead pay off the balance I'm supposed to owe you, then you still harass me about the late charge' service charge and all kind of everything you can do.

So, here it goes, this is the $108.45 check, which pay off the balance for my THIRD credit card. I don't owe you anything from now on.

I've cancelled three of your cards. And you still harassing me for these Capital One credit cards I cancelled. You have over charged me, sent me to the debt collector twice. (Or may be more times?) Ruined my credit report. (Or maybe you have done more than that?)

You need to compensate every damage that you've done to me, mentally, physically,   and financially. You still want to send me to all the debt collector, ruin my credit report in anyway you can, go ahead, but you need to provide all the full names and departments of people who are doing these. Basically I'm not play your game anymore, we are doing this case in the web site ONLY. From now on, the ball is in my court, and we need some good story for the web site readers. Please answer me and talk to me on the web site, Don't give me these "Three copy of dispute form with the signature, Home phone number to call" stuff, I'm not play your game no more, you need to talk to me over the web! http://www.BadServices.com

Please click on the Bad Service #2 [Capital One Bank], everybody waiting for your response.

For the THIRD VISA I cancelled, the last two months I charged it like $666.79 and $443.24, and you snatched three of my payments as  9/16/98 $666.79, 10/6/98  $79.95,  11/17/98  $67.39 , 12/16/98  $187.45. And after these months, I paid Capital One Bank minimum charge every month and try to wait for you to figure out after you clear out these checks snatching mess, what's the correct amount I'm supposed to pay, to close this blood sucking card, it's a simple math, if your computer systems are too blood sucking to tell the true, let me do it for you, in front of whole wild web world, my charges are $666.79 and $443.24, my payments are $666.79, $79.95, $67.39, $187.45, so how much do I owe you? $666.79- $666.79 = ZERO,  $443.24 -$79.95 -$67.39 -$187.45 equal to how much? $108.45. You never get to figure out it, and here is my check of $108.45.

I'm suing you one million dollars for your harassment these years, over these 3 credit cards from your bank.

I cancelled them one by one because every one got "OVER LIMIT FEE", why don't you explain to the Whole Web World about what this "OVER LIMIT FEE"?! You charge people because they use your bank credit card too much?!

And you can refuse to let me cancel your card?! Even I paid off the balance and cancel the second one,, I called the fitness center told them I don't use their gym anymore,  you still let their $10 fee charge to the second CANCELLED card and add in, late charge $25, and other finance charge like what?? $12? $50? each month and add on and on, harassed me over years, created a what? 7 hundred dollars debt over an credit card I cancelled?

And more than that, when I wrote you a letter saying I'll sue you if you keep add these balance and harass me every month, you start to snatch my payment checks for the THIRD credit card?! You cashed my payment without post or credit to my third credit card, and you do this 3 times in 4 months? The first month I called and complained, and I had to listen to your lecture, bought a photo copy of the check, to prove that I did mail out the check, and you did f****** cashed my check.

The second month, you snatch my second payment check again!

The third month, the first SNATCHED check was posted because I mailed you the photo copy I bought from my own bank, but all the finance charge, late charge are still there, and of course, your famous "OVER LIMIT FEE", you just wait and see, I'm going to make your bank very famous because of this "OVER LIMIT FEE".

The fourth month, you snatched my payment check again.

You snatched three of my payment checks for the THIRD credit card in 4 months, because I cancelled your FIRST credit card, also, because I refuse to pay the nonsense charge of SECOND credit card, also, because I wrote you and saying "I'm going to sue you".

The first check $666.79 you snatched, I spent the money to buy the photo copy to prove that it's cashed to Capital One BANK, you credited and post it back, without apology and taking these finance charge' late charge' "OVER LIMIT FEE" back.

The other 3 checks you snatched, you still expect me to buy another photo copy to prove that you did this? You still expect me to call and beg? No, I'm posting this story on the web site. I'm suing you. For the harassment of your uncancellable credit card. you need to pay me one million dollars or even more, my lawyer will tell you the exactly amount in the court,  he got the degree and a good calculator for this case.

You are so sure about you, right?! You are the Capital One BANK, nobody get to reject your charge? Nobody get to cancel your credit card more than once? Nobody get to say "I'm going to sue you"? It's going to be a very good WEB SITE STORY when I get to close your bank because of this law suit.

Talk to you soon.

Yours, Sincerely.

New Balance $694.68                          Annual Percentage  Rate 19.32%

Your request to close your account has been received. your account will be closed when it reaches a $0 balance. Until then, you will continue to receive statements and must continue to make payments. All terms and conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all charge which automatically bill to your account.

New Balance $704.00                          Annual Percentage  Rate 19.09%

Your request to close your account has been received. your account will be closed when it reaches a $0 balance. Until then, you will continue to receive statements and must continue to make payments. All terms and conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all charge which automatically bill to your account.

New Balance $682.37                          Annual Percentage  Rate 19.04%

Your request to close your account has been received. your account will be closed when it reaches a $0 balance. Until then, you will continue to receive statements and must continue to make payments. All terms and conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all charge which automatically bill to your account.

I canceld Capital One Credit card because the card cost me "OVERLIMIT FEE" all the time, they gave me a new credit card saying it's a better card. And the new card is even worse. The Capital One Bank, they still keep mailing me the statements of my cancelled card, asking for all kind of charges. Also, on the new card, even I paid off the balance every month, try to avoid these "OVERLIMIT FEE", they can just cashed my check without credit to my payment, so I'm still getting the LATE CHARGE' FINANCIAL CHARGE, and OF course OVERLIMIT FEE, and they are doing this trick THREE months in a row! Ever since December 98, January 99, Febuary 99, every month, they cashed my check without credit the amounts upon to the payment, Capital One Bank is doing this on purpose! Because I cancelled their old credit card and complainted about their all kind stuip charges! They think they can charge me anyway, and I have to get a copy from my bank to prove that Capital One Bank cashed my check, they did this trick every month. Do I have to get a copy from my bank every month?! No! I'm suing Capital One for this kind of mental harassment for one million dollars... ...

I paid off the balance and cancelled the FIRST one because of their ridiculous OVERLIMIT FEE and other blood sucking over charges. CAPITAL ONE offered me another credit card, told me the THIRD credit card is supposed to be a better one, made me believe that I got a better charge rate.

Of four of these my payments of the checks $666.79, $79.95, $67.39 and $187.45. I only saw $666.79 (because I called and spent money to get a photo copy from my bank to prove u cashed it)' $79.95. The other two checks $67.39 and $187.45, I never see them until u mail me your re-print, somebody in your department had just decide to snatch them and ignore my complain. U decided to teach me a lesson of not agree on your OVERLIMIT FEE and dare to cancel two credit cards from U. Until I   post this in the internet, U just put every check  into the re-print, unfortunally, the revised re-print still don't make sense, what? some check cashed with LATE CHARGE, and some Don't? Your style is supposed to case every of my check with LATE CHARGE every month. Eventually some consumer department shall send some programmer to go through your programming system, u got quiet a charging machine to make money. Totally u have snatched 3 of my checks ($666.79' $67.39 and $187.45), I like to find out who decide to do this to me, U are a BANK? and U can do anything to me??? U can snatch my checks and maybe I don't even know it? If I know it, I need to spend money to buy the photo copy to prove it, and u just post the amount? And , U can still do it again and again? expecting me to beg? to spend more money to buy the photo copy of my checks? And U do this because I cancelled all of your credit cards? And U can send me to the collector TWICE? Somebody in some department had done a great job to build a good law suit. And U think I could never know how to fight back?

1. You sent my name and every thing to two of different collectors, Of course U had done a lot of damage about my credit history report, but u still keep denying, saying " records indicated that we have not reported any negative information to any of the credit reporting agencies". If u r working in different rooms, make a call, other people with this blood sucking finance charge system shall tell u what Capital One trying to do to me, a fed-up who refuse to pay no more.
2. About my Fitness center membership on the SECOND card, I used to pay $19.95 on my checking account monthly, then I had to  pay additional $10 charged to CAPITAL ONE second credit card because I wanted to use another fitness center which have swimming pool equipment. After I decide to use just one and the old fitness center only, I cancelled that additional $10 on SECOND card. Right now  I end up with paid off everything in my personal check, it only cost me $13 dollars each month for the next three year. What a big different without CAPITAL ONE blood sucking charge.
3. About my THIRD card we cancelled on each other. (I cancelled U, and U blocked me, BUT, still let the AOL online automatically billed on the account?), I need to tell u one more time, I cancelled it, and will pay off these balance as soon as u give me the correct credits and adjustments! I of course have transfer my AOL on line service charge into other MUCH MUCH cheaper way than your credit card, U try to let it keep rolling into my CANCELLED THIRD card, and try to harassment me like the SECOND card. The way u charge customer $25 PAST DUE FEE, $25 OVERLIMIT FEE and Finance charge $10 each month over a card that not even been cancelled over a year is a JOKE.  And u are hiring two collectors try to make me pay for this joke?! Let's keep the law suit going, the internet people need some thing interesting to read anyway. U can hire more collector, I can spent more time with u over the internet.
4. About the TWO pre-approved VISA application forms U mailed me this week and invite me to apply for another two NEW credit cards from U? U must have a very stupid systems, in one room there are people snatch customer's payment checks, in one room there are people send me to the debt collectors TWICE, in other room, there are people mailed me re-print with every check amount posted, and in another room, there are people mailing me these forms to apply for Capital One credit card? U want to believe that I will fall for your "pre-approved offer" to get your two more Visa card? I don't even know which F words I shall use for these offers.

UCY809/7

New Balance $660.06                          Annual Percentage  Rate 19.08%

Your request to close your account has been received. your account will be closed when it reaches a $0 balance. Until then, you will continue to receive statements and must continue to make payments. All terms and conditions of the account will apply while a balance remains. Please remember to cut your cards and cancel all charge which automatically bill to your account.

RE: 1458293857

Dear Capital One:

In your last letter, you've responded as such "You also express your concerns in reference to us reporting derogatory information to the credit reporting agencies", and you said "Our records indicated that we have not reported any negative information to any of the credit reporting agencies".

After I tried a several times, I still get a lot of my bad credit reports. Enclosed are the copies from these agencies. So many printing report: Account(s) Not Paid As Agreed And/Or Legal Item, Number Of Account Delinquent, Delinquency Date Too Recent Or Unknown... These are all from U! Capital One Bank. I did not have other credit cards except U.

U need to fix these damage ASAP. My credit is mess because of U. And I'm suing U for this and other harassments.

Thanx. VERY MUCH.

Dear Capital One:

According to the Experian National Consumer Assistance report, you CAPITAL ONE BANK posted me so many  labels such as

ADVERSE PUBLIC RECORD OR COLLECTION

TOO MANY PAST OR PRESENT DELINQUENCIES

finical counseling plan recorded on credit bureau report... ...

Those are all good, I don't think that I've done enough for you to deserve these honor titles. Since you have done so much to my credit report. I need to work harder to repay your effort of destroying my life. Before I own my business, I'm a programmer myself. I know all the tricks you BANK doing about how to charge and over charge, finance charge and hidden charge your customers, and I like to report it and get somebody to exam your systems. You need to reprogram your systems, there are something you made your programmer done is not supposed to be there. or else  I'm going to invite an officer to double check these detail for you.

In your response mail, you said that your record indicate that you have not reported any negative information to any of the credit reporting agencies, then, how do u explain these? exactly what are these mean on my credit report: ADVERSE PUBLIC RECORD OR COLLECTION? TOO MANY PAST OR PRESENT DELINQUENCIES? financial counseling plan recorded on credit bureau report... ...?

I'm going to apply for another credit card to see what's the credit report going to say about me this time. Let's have some more fun over this. Of course you will hear from me when I get my credit report.

I got your statement for my cancelled THIRD credit card account, nothing make sense. I used to get a lot of statements about "No payment received", "Late Charge", "Overlimit Fee"... Now it's a magic, everything are different in your RE-PRINT. These missing checks are all back now, with the PAST DUE CHARGE, then you refund me PAST DUE FEE ADJUSTMENT for $75?

I'm talking about you get to charge me OVERLIMIT FEE every time I used your credit card. EVERY TIME! When I paid off the balance, you snatched my payment  so I would always get this OVERLIMIT FEE all the time, even if I don't use your credit card. Even if I canceled your credit card. Now you credit me "OVERLIMIT FEE ADJUSTMENT $25"? You can only refund me $25 dollars because of what? I cancelled three of your credit card because of you charged me this OVERLIMIT FEE only once?

I like to get an officer from some consummer department come to your office and check out you computer OVERLIMIT FEE charging systems. Thank you for reply my mail so quick and with your true first name, and true last name.Probably I won't need it if I get something different from my credit report.

Sincerely, YOURS.

I'm now  demand an answer from you, in mail, (or in e-mail even better.), I don't want any answer from phone call, I had enough conversation with you bank over the phone.

Please tell me exactly what happens to these checks I mailed you on the last four months:

9/16/98 Capital One $666.79, I paid off the balance for your Sep.,98 month statement.

But you cashed my money without credit it! We all know why, because I tried to cancel your another credit card for at least 4 month already, I mailed you a letter saying if you don't stop this credit card I'm going to give you a law suit, you decide to give me a hard time, cashed my check without credit for my other credit card. Smooth! I should know it's your trick. You offered me this new credit card when I cancelled first credit card. You made me believe this new credit card is better. (Better my****), now you get to play these evil trick on me.

10/6 Capital One $79.95

When I called you and complained about your mistake, you people were so bureaucratic!! You sounded like it's not your fault at all, and I had to get a photo copy of my cashed check, mail it to you, then you would see what you can do.

OK! I spent money to get the copy from my bank, mail it to you, to prove that you did take my money, you charged me more of this charge, that charge!!!

11/17 Capital One $67.39

The next month statement came, you just credit my check amount back, without any apology, without credit back these stupid charge: OVERLIMIT FEE (My A**!!) late charge fee! Finance Charge! I paid off the whole balance and you toke it with credit me, I had to mail in another copy of the check to you, and I still get all of this charges?!

And guess what? My 10/6 check in the amount of $79.95 was missing!! Again, you did it. You cashed my check and without credit it to my payment.

I know you try to drive me crazy, I don't want to spend my time and money to get a copy of my cashed check to prove to you that we all know what you have been doing. Of course I got this charge, that charge, all kind of charges you want to press, aren't you have enough fun yet?

12/16 Capital One $187.45

Now let's talk about this month statement, guess what? Of course you are not suprised, My 12/16 check in the amount of $187.45 was missing!! Again, the only sure things won't be missing are your this charge! that charge, OVERLIMIT FEE (My A**!!) late charge fee! Finance Chrage!

I'm now post your statement on the web site, you need to explain to the public (not to me, I already know what's in your mind and what you have been doing ever since I cancelled your last two credit card because of this charge, that charge, OVERLIMIT FEE (My A**!!) late charge fee! Finance Chrage! ) Where does these charges come from? and what happened to my other payments, who cashed the checks? and who is not credit back to my account? Of course if you want me to get the copies from my bank again, I will! I just want the whole world to hear how stupid you sound on the web site!

Whatever you answer will be post in this page, you are the top number 4 Bad Service in the world. If we stick together and work harder, one of these days, you will become the top number one Bad Service! I have trust in you.

MASTERCARD ACCOUNT NOV 18- DEC 17, 1998

5291-xxxx-xxxx-xx57

3 18 NOV PAST DUE FEE $25.00

4 18 NOV OVERLIMIT FEE $25.00

1 20 NOV PAYMENT RECEIVED - THANK YOU $67.39

OK! What happen to my other 2 checks now? Dear Capital One, take your time to change your billing system and give me a better answer.

The whole world is waiting for your response. You need to tell me exactly what amount you charged me so I will know what's the balance to pay off and close your credit account.

Also, of course I know that you have ruined my credit history very bad! Thank you! very much, and thank you for the warning. The world need to know the true, I cancelled your two credit cards because of I hate your this charge, that charge,OVERLIMIT FEE (My A**!!) late charge fee! Finance Chrage!  You offered me this credit card made me believe this one is better and play these hide and seek to me. You need to rebuilt my credit report, when I win the million dollars from this case, the money will do.

Let's have more fun on this case from now on. Only a bank can drag a people down? A bank get to snatch people's payment check? Bankers can charge people any way they want? A bank can ruin a people credit report so easy? Don't you think a people can never drag a bank down, I will!

1/16/99 #1435 Capital One  $248.46

MASTERCARD ACCOUNT NOV 23- DEC 22, 1998

5291-xxxx-xxxx-xx72

I paid off the balance and closed my first Capital One credit card last year. We all know the reason, because I hate your charge, OVERLIMIT FEE (My A**!!) late charge fee! Finance Charge!

I then paid off the balance and close my second Capital One credit card to inform you that I was close this account too.

You gave me another credit card and never let me close this one, now, could you explain this to the public, after more than half year, how could this paid off ZERO balance become anew balance $167.32?

In case you don't know how to read your own statement, let me read it for you:

Previous Balance $129.77

Payments, Credits and Adjustments $.00 (Are u sure there is nobody cashed my check and did not tell you?)

Transactions $35.00

Finance Charge $2.55

New Balance $167.32

Your request to close your account was received. Your account will close when the balance is $0.

So, basically, you can charge people $37.55 each month for nothing? What a great business to run, when I win your million dollars over the law suit, I'm going to open a Bank too.

If I paid off the balance and cancelled the credit card, I CANCELLED the credit card. Nobody can ever charge any more to the account, including YOU! understand?

Why does good Credit Count?

Employers check credit references before hiring new people.

Banks and leasing companies often base the interest rate they offer you on your credit rating.

Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.

Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you around for a long time.

Do you know how many bank snatch credit card user's payment check? Any bank did it like 3 times in 4 months? If you do, please email us and post the story. If you want to suit them, join the club.