Sir, Madam,

On February 17, 2009, I contavted Capital one Bank to have my membership waived .I was asked to pay and that I have a late fee added to my membership.

I mentiooned them that i did not activate my credit card because I refuse to pay .

I ask him that in this case I am closing my credit card account.

The gentleman insisted that I have to pay anyway. I mentionned that they were advertising ther product with no fee.

On March I receive a statment showing that my membership was waived but I 've to pay the late fee.

I don't understand why I've to pay late fee for a waived membership.

I do not know where to turn for help specially after receiving a statment showing that I have to pay $15.00 more for late fee.

The total amount now is $30.47 ( $15.00 for the late fee for my waived membership+$15.00 for late fee for the first non payed late fee.

I will appreciate your help for this matter .

Mohamed Damdami

credt card account # 4305722115898663

Last Saturday--1.3.09--I called CapitalOne regarding letter sent that said their team was ready to offer options for improving the existing my account with a personal guarantee to:
--earn more miles or points or cash rewards than currently earned
--improve other features of account
--lower the APR
I spoke to Maria to explain to me if I were able to lower my APR--then what would it be? She refused to answer. I asked for a supervisor and Maria hung up on me. She called back and put me in touch with a supervisor who also refused to answer my question. She also terminated the call. I still don't hve the answer to my questions because when CapitalOne doesn't want to answer--they just hang up. I pay an annual fee for this service which I will not do anymore. CapitalOne does not participate in giving out information regarding your payment history either.