In December of last year I paid off Capial One, cut my card in half and sent it to them along with a letter of resignation. Finished with them? Nope. In January I got a bill for finance charges. Shoot! I sent it. Then I got a bill in February for a late fee plus a small interest fee. OK, gritting my teeth, I paid it. The first of this month I got another bill for a late fee for the one I paid last month, plus another finance charge. After I kicked the cat and punched a hole in the wall (not really) I got on the net and filed charges against them with the Federal Trade Commission, the Virginia Consumer Protection Bureau, and the national Better Business Bureau. Did I tell capital One I was going to do tha? He-- no! This organization deserves no such curtesty. Since then I have paid the latest late fee and interest, not because I am afraid of them but because I know them and the charges will keep compounding. I did mail them a letter with a blow by blow description of what they had done to me and a demand for a complete audit account of my business with them since day one. I then iformed them it was over! Will they take me at my word, I don't think so. I urge anyone who has had trouble with them to get in touch with the agencys I noted above and anyone else they can think of. The trouble with such agencys they wont do anything until they get enough complaints. Come on, let them know you don't intend to take this lying down!