I just signed up for a capital one card. I have not had any problems with Capital One so far. I've only had the card a couple months but I was approved instantly through the site and had the card in a week, so that impressed me. When talking to them on the phone I haven't had any trouble but I also haven't had to dispute charges (knock on wood). I'm suprised they gave you so much trouble since identity theft or incorrect charges are not something that is very uncommon now days.