I was late on my capital one card payment and received a phone call in March 2009 from a woman by the name of Phyllis representing Capital One and their claims department. She asked me if I wanted to enroll in a program that would get me back down to my original balance (3, 500) so I would be charged additional fees. We came to an agreement that I would pay 293.34 for months April, May and June. This would then bring my told from the 4, 200+ down to 3, 500 (my credit limit) I was told that everything was include, late fees, overdraft fee... read full review »