Same here. I suspect it is Capital One, because my payment to them was THREE days late. Yep, that's all. I paid it yesterday and the calls seem to have stopped. I am fed up with them calling at 7 am and 9:30 pm and constantly when I am a day or two late. Trust me, I don't want to be late. I don't want to pay a stupid fee. But I am a freelancer and sometimes people pay me late and I have no choice. I'm close to having this card paid off and when it is I am going to tell them where to shove their stupid card.