I PAID CAPITAL ONE OFF IN FULL 12/08 GOT A BILL 1/09 SHOWING INTEREST EVEN THOUGH THEY GOT MY PAYMENT. I CALLED AND TALKED TO 4 PEOPLE NONE OF WHO TALKED ENGLISH VERY WELL. I FINALLY SAID THIS IS DONE CANCEL THE CARD I MAILED THE 12.66 PAYMENT. LOW AND BEHOLD I JUST GOT A BILL FROM THEM FOR $75.16. AGAIN I CALLED TO SOMEBODY WHO WAS NOT IN THE USA. SHE TELLS ME IT'S A $59.00 MEMBERSHIP FEE A $15.00 LATE FEE BECAUSE MY INTEREST PAYMENT WAS 3 DAYS LATE EVEN THOUGH IT'S SHOWING ON THE STATMENT, AND A INSURSANCE FEE OF 1.06. i AM SO OVER... read full review »