ZERO STARS. My transfer balance took forever to get to Capital One from NFCU. 1week later called to confirm if they received it because it was cutting close to my minimum payment due date. Capital One blamed my NFCU account and said to check with them for the reason of not receiving it and was told it takes 2weeks. Sure, enough they received my transfer balance the next day, as I seen it on my app but it was still pending. I was told to still make a minimum payment, I did so & the app showed that I had a credit from my minimum payment/past payments. The transfer balance went through, and I decided to close my account since it had been taken care of. Rep on the phone said that she can issue me a check for the credit on my account & I received it. Perfect. All is well so I forgot all about the Capital One card. 2months later, I am hit with an INTEREST CHARGE & A PASS DUE FEE. Due to the fact that my minimum payment failed. Now I owe an extra $50 in fees plus my minimum again. Instead of the rep telling me that she can issue a refund credit check AFTER all payments went through which I thought was what happened, she failed to do so. Now I owe them once again and I talked to 3 reps at Capital One including a manager named Jenny. They would not write off the fees. THEY ARE A JOKE & A SCAM. WHY WOULD YOU ISSUE ME A REFUND IF I STILL OWED MONEY???