Capital One Bank

1 star is saying quite a lot. if I could give this company No stars it would be more sufficient. Opening up this card was very easy, stress free and to start using it was amazing. I do not need a credit card, I simply opened this card up due to close friends recommendations. Friends that make money and whom I trust their opinions.
Long story short. I opened this card up simply to start building my credit and I regret I ever did. I could have paid the entire thing in one shot but was instructed that does nothing for building a credit score.
So I had to make monthly payments, According to one of their representatives today I was charge a late fee 3 times. Which is fine, I understand more than anyone that if I am late there is a fee to be paid. Just to give you an example of the scam going on here are some numbers.
I have 3 late fees and interest to be paid: $ 25, $ 35 and $ 25 total of $ 85.00. My credit card had a limit of $ 500.00. I have paid $ 445. Now with the late fees and interest I incurred that would make my balance of $ 445 paid –late fees of $ 85 = $ 360 paid on my $ 500 account.
So, on a $ 500 account — $ 360.00 payments (amount after late fees and interest rates) that would mean I have a balance of $ 140.00 to be paid. No, not according to capital 1. According to them I owe them $ 524.97 and yes, they have received all of my payments. No one can help me at their customer service desk. So, legal action?
I do NOT recommend them!

The customer service here is great. They greeted you with smiles and they have coffee and tea. Service is always fast for me whenever I visit. I’m just sad that are no other branches closer to my house. Right off market street close to Newark pen station and Harrison.