Capital One - CapitalOne Interest increase and Penalty Rate Salt Lake City, Utah

During 2009 I was fined $ 39.00 three times for late payment s. In each case CapOne either mailed the invoice after the due date or charged a late fee before the invoice was due. In each case I contacted Capone and had each late fee credited as CapOne perposely mailed the invoice late or added a late fee BEFORE the invoisced was Mailed.

Today I received a laterincreasing my APR because I had failed to make payments on time. I called them and explained that this was outrageous as they were responsible for the late fees due to FRAUD. The CSR would not "Said was unable to look at" my account to see that CapOne had credited my account three times in 2009 beacuse of date errors and front ending a late fee before the invoice was mailed. The CSR said that I was responsible and they would not alter the recent interest rate increase. The CSR stated that "CAPONE WOULD NEVER DO THAT" and the increase would stand as is. When I asked why the late fees were credited the CSR stated, "I DO NOT KNOW"

I asked for someone that could help me and the CSR hung up the line. Subsequent calls have gone unanswered and on 6+ occasions the automatic attendant did not give me an option to talk with a real person.