Karina Lynn (karinalynn) wrote in bad_service,
Karina Lynn

I have two credit cards with Capital One that I've had for years. I've never made a late payment on either one of them and I've never gone over the limit. Without notifying me they changed my due date from the 26th of the month to the 3rd of the month. I made my July payment with plenty of time to spare and my due date was still the 26th of the month then. On August 5th I check my balance to see how much I have available so I can do some shopping and notice that both are late and both are over the limit. Each account has a $29 late fee and a $29 over the limit fee. I look at the due date and see "August 3rd" WTF? So I'm out almost $120 now.

I looked through all of my mail and email again to make sure they didn't send me notifications. I have notifications telling me that starting September 1st my over the limit and late fees are going up, but nothing about my due date being changed. I called up and was really nice. I asked them to waive the fees since I was a good customer, have never paid late and have never gone over my limit. Nope. Can't do it. I asked why my due date was changed (and my next payment was due 8 days after the last one, which is really just unfair) and I was not notified. She said they mailed out notifications. I have a statement saying my due date is July 26th. I got one yesterday that says it's September 3rd. Nothing that states anything about August 3rd.

I am now applying for a credit card with my bank (with a much lower interest rate) and I am going to transfer them over and tell Capital One to go fuck themselves.
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