Capital One membership annual fee ripoff Richmond Virginia

Their website clearly states (http://apply2.capitalone.com/8090/1-724/disclosures.jsp?s=08090001724XXCO31XX1PLATMCXXXX) that for their Platinum M/C there is no annual / membership fee. I applied online and received my card a week later (June 2004). It had only a $500 limit so I called and asked them to close the account since it wasn't enough to transfer the balance of another credit card with high interest. I did not activate the card. Two weeks later, I received a billing statement saying that I owed them a $59 membership fee. I sent two letters (one to their billing dept., and another to customer svc.) demanding they remove the fee and close the account... this was in July... yesterday, (8/12/04) I received a second billing statement saying I owed them the $59 PLUS a $29 late fee! I am sending them two more letters and have filed complaints with the FTC and BBB. These people are LIARS and FRAUDS!

Scott
Tustin, California
U.S.A.