Capital One Credit Card Complaint

Capital One Credit card department,

APR or interest rate Illinois

Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. Further, they had promised to help resolve my issues before the next pay period. They of course did n't. When I called back after their account person, ( - - ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate - with no option for a settlement since I had been paying for the last year attentively. My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.