Was a customer for 6+ years, never carried a balance. Closed the account. After it was closed, capitol one reversed a contested charge without sending me a notice or statement. I didn't find out until I received a notice I was in default and owed late fees. I called, the issue was identified, the contested charge case reopened. The very next day they charged me another late fee exceeding the reversed charge. Refused to remove their own late fees generated by their own lack of communication created by their lack of advocacy on my behalf as a consumer using their products. Opinion, a disgusting and thuggish way to conduct business - but as long as they get money they don't care. Recommend AMEX for cards, Santander for other banking services. These guys are greasy. read more