Actually capital one did screw me over. I paid them with my online bill pay services. I had a confirmation of transfer. I find out a week later that I apparently have not paid. Capital one claims that I did not have the funds in my account. I call up my bank (Wachovia) and they inform me that Capital One never attempted to take the money from my account. They can check it in their records. Capital One would not talk to me, would not respond to claims via email or online customer support, nor get a manager on the phone when I called. I ended up paying 250 bucks more than I originally owed because of their computer error.
Thus Companies can screw you over.