I had a Capital One saving account which was converted into a debit card. I later learned they were applying the payments on the account as debits and not credits. The amount I was paying was increasing the balance not paying it down. They and I debate about this for months so to get them off my back I borrowed money from a friend to pay the balance in full although I had made much more than the minimum payment each month and had not used the card. Instead they closed the account and turned it over to a collection firm which somehow 500.00 dollar balance has ballooned to 10,000 in the last 15 years. No one still hasn't explained how that happened. It makes no sense at all in no form of legality. They kept the deposit and my payments and plus turn it over to a collection agency when it was they who owed me money back. Not the other way around.