I used my Opensky Visa credit card to purchase min...

I used my Opensky Visa credit card to purchase minutes for my phone service for $12.20. The company through which I tried to make the purchase didn't give me the minutes that I ordered. But Opensky charged my card for the minutes anyway. Because of whatever is going on with the USPS. I never received the notices. When Opensky was finally able to reach me, I was told that there were late fees amounting to $64.80. That wasn't the end of it, they also deducted $81.50 from my $300 deposit for a total amount of $145.30. All of for a $12.20 purchase of minutes that I never received. Then they have the unmitigated nerve to tell me to dispute the charges with the phone carrier that I was trying to buy minutes from. To add more insult to injury they claim that they aren't affiliated with Capital One NA. Both companies are cheats and liars. If anyone has to get a credit card, my advice is to run, run away as far and as fast as you can. Opensky is rotten to the core.