I haven't used my card for months since my limit if only 300 and I am paying minimum dues of 30 something dollar. Then when I went online this morning to pay my monthly due, I was surprised when I saw a transaction that I wasn't really expecting. Payment Protection plan (1-888-527-6904) of 2.73 plus 29 bucks overlimit fee. I made a payment of 32.00 (12-15-06) due on (12-19-06)originally it was 332.00 so I paid 32 minimum. Then for days later I was charged 2.73 for the payment protection I didn't plan on signing on to then the 29.00 fee. SO my recent transaction was 31.73 which was obviously bullshit fees. I rarely use this credit card.
My concern is when I try to call the Payment Protection by Capital One (18885276904) the machine prompted me to call Capital one at 18009557070, there was no option on any of my complaints so I tried speaking to a representative. She then told me to call Payment Protection which number was shown above and I called previously. They were just forwarding/passing me to one another.
I do not understand what was the Payment Protection Plan for if that would only mean I or we have to pay overlimit due, due to the fact they charge monthly service for a service that is supposed to avoid you to have overdue feeS? Can you understand what I am trying to say? What is the use of the service? I thought it was just ripping us off customers who have limited or low credit. They don't answer calls regarding the problem, they change subject and offer stuff.
It's just not fair that I am paying 31.00 later fee after paying 4 days earlier of my due date. I do not like how customer representatives put you on hold for minutes listening to ridiculous music. Capital One credit card, no hassle? that's so BS. Too much hassle for me, I want my money back.
Can you imagine how mad will you be if you paid on time of due then days later you get an overlimit fee? Which supposedly protects you for something you paid for. Okay, I am going to stop repeating, I hope you get my message. Thanks ripoff report
White Plains, New York