I am experiencing issues with CapitalOne and their so-called automatic payment services. I have been signed up for CapitalOne to make automatic payments, however, in my last billing cycle, they did not automatically withdraw my payments, and I have been charged a $50 penalty fee! T0 make matters worse, it seems they have since removed all options for using automatic payments, and currently state that ACH payments are not offered by CapitalOne. I was never given any written notice of signing up for this service, so I am feeling like a crazy person when I DID sign up for this service! I have always paid my card on time, and cannot believe CapitalOne has pulled this act. I will be cutting up my card and NEVER using CapitalOne's services again!