I had a credit card from Capital One with a $500.00 balance from 5 years ago, well I paid it, on time, every month, then one day I recieved a statement that my payment was late and I owed an extra $50.00 for being late, so I called to let them know that it was not late and I had the account info to prove it the lady said my info was wrong and I had to pay it or it would be considered non-payment and forwarded to a collection agency for the full amount of $500.00, well I got mad and hung up.5 years later I start recieving these rude and nasty... read full review »