Capital One Credit Card Complaint

Capital One Credit card department,

Overlimit fee Michigan

Opened a Capital One - Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to - 2013 - 22 month ) I have been charged $ -/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.