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  1. Capitol One Bank reopened my account, charged me an annual fee.. and now calling and added a late fee. It was a bad card to have. High interest, yearly fee low limit ,,regretted the day I got it. so made effort to close acct asap. Oct 2016, eliminated balance, called them closed the account very happy !!! they have lots of hidden tricks, i didn't like. today april 24 2017, I get a call from them saying I owe 100 dollars ?? 70 for annual fee, 25 for late charge.... Their causing me great distress by lying. I have phone records (logs) of my calls to them.. HELP I just soo badly want to sue them ..100K and lawyer can keep 75%.