I recently received an invitation in the mail from Capital One to transfer balances to my account with them for a low 3.99% APR - fixed ("hassle-free" of course). I am already a customer of Capital One. I'm in the process of paying down my debt and this is a good rate. I called to initiate the transfer and was told that there would be $75 fee to do so. Even though the letter stated "No Fees" in one area and the $75 fee in the fine print, I agreed since I would save this in interest from the other credit card in about 2 billing cycles.

I just received my statement from Capital One. The transfer was listed as a transaction, but no $75 fee. However, the interest rate applied to this transfer was 9.9% - which is my purchase APR. I called to have it corrected to the low 3.99% and was told that they had no record of such a rate being offered to me! I was told to contact "General Correspondence" in writing to try to rectify. Thankfully, I kept the invitation. The supervisor even told me that it was a good thing I kept the original letter since most people throw it away and have nothing to "prove their case". Hmmm... guess I'm not the first. Not very "hassle-free" Capital One!

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