I got a card no more than $300 to use, used it for a few things, the balance was like $236 at the most. Payments of $15 were the minimum, missed a payment.
Sent a statement that balance need to be paid in full, was charge a $39 late fee + another $29 fee tacked on each month including interests. Missed a 2nd payment, didn't use the card til Sept. Payments started in Oct,missed Nov statement, was going to pay $30 Dec but $30 became full payment plus more + interest, card was now over $300 limited use. They shut my card down, closed my account at $400+ which is over the $300 limited amount.
But while the card is closed, I'm still getting charged interest you know. By May I now owed $842+. I later made a payment arrangement, paid $152 since, now I owe a balance of $804 which don't make sense. Lost my job since then, am hurt!
Don't have money but a $25 monthly payment isn't good enough but Im going to send it anyway. Need I remind you, I have no income but I can get or borrow at least $25. One time within 2 weeks I got different owed amounts. First I received a notice saying I can pay $57 by the end of month and before end of month.
It said payment arrangement of $57 is cancelled. Its funny how I got every bill they ever sent me. At one time I got a letter saying they will settle for half of the bill of $432. Need I remind you, the credit card limit was $300 and I used about $236, but now I owe $804 ????LOL.
I was getting harrassed 6 times a day from different capital one numbers each day. One day someone else had my phone, had the nerve to ask then who they are, when am I coming back, and to give me the message when they think I'm coming back LOL. Funny, since then I gave up my phone, got a new number but they still call the old number. Ask them questions about who they are and when did they get that number.
Need I remind you they're are calling a cell phone, it's against the law to harrass anyone especially on a cell phone and it's on the DO NOT CALL REGISTRY! ONCE I pay them Im done. My credit is bad because of them.
Can't use a card but Im being charged and got more screwed for more than I was allowed to use at CONFUSED!
Product or Service Mentioned: Capital One Credit Card.
Monetary Loss: $612.