So I've had a capital one account for years and kept it in good standing for years. In Dec of last year I lost my job, but I kept making my payments. I got another job in Feburary with a company that went south. At this point I had burned through my savings and could no longer make my payments. I called Capital One up and explained the situation, they said they would work with me. Then after my March payment was missed they called all the time asking for a payment and each time I explained the situation.
Well by time time I had lost my home, and was sleeping on friends couches and basically bumming off family and friends to get by while I looked for a new job. Capital One had the nerve to tell me to borrow money to pay my payments after I had just got done telling him I didn't have a job or place to live.
So finally a few months ago I got a new job and started making my payments trying to catch up and was told I couldn't use my card anymore as it was under review; which was fine. Then I get a letter telling me that my account has been closed to not make any new charges and destroy the card; gee that was nice of them.
Well tonight I log in to make a payment on both my cards and noticed my balance had gone up considerably. I see I was charged a late fee (again), membership fee and get this...credit protection.
So all this time I had credit protection on my account and not once did they mention it or offer to turn it on when they were talking down to me for not making my payments....To add insult to injury after I am told I can't use my card they still charge me for it.
I called them up to complain about this and ask why they did this or didn't mention this service they clearly saw I had when they were harassing me with phone calls. The first person agreed that someone should have told me and transferred me to another person with a snotty attitude. I was told it wasn't their job to let me know and I should have called in (which I did, twice). She also informed me that it was a business partner that handled this, not capital one. I argued with her about this and brought up I was still being charged after being told by them in writing my account was closed and I could no longer use it. She just kept giving me snotty answers about how it wasn't their problem. Way to rip people off capital one.
