Credit card -- Fees or interest -- Complaint #11138719
Complaint Overview
Complaint ID: 11138719
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 33328
Date Received: 2024-12-12T12:00:00-05:00
Date Sent to Company: 2024-12-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have always been on autopay with my Capital One credit cards. When I reviewed a recent statement it said if I raised my minimum I could save on interest and it would lower how long it would take to pay down my balance. I canceled the autopay series to set up a new one as you can not edit but need to cancel and start a new one. The system offered me to either make monthly payments or every two weeks, I chose the 2 week option as that would help even further by taking out smaller amount bi-weekly vs once per month. I set it all up and on my next statement I noticed a {$29.00} late payment fee. I called Capital One to inquire why the fee and was advised that my autopay was short. After some back and forth I was advised that on their end they do not have an option for payment every 2 weeks only monthly and that the days I chose for payments would always make them incorrect and I would continue to incur these late fees. I asked that they credit me back the late fee as I have never been late and thus have never asked for a fee credit. I was told NO, I asked to speak with a supervisor XXXX who also informed me that they would NOT credit me back the fee. I explained to her that their system on auto-pay did not issue a warning that If i continued with the dates I chose that I would incur this fee, If I would have been made aware by the system I would have chosen dates for the payments that fit into the billing. The Capital One system does notify you if you chose to pay on the monthly option. I requested an email to someone above her that could give me a reason why the credit could not be issued and was advised thst there is no email I could send to anyone. I requested to mske sure the call was recorded to provide further details if needed and was advised all calls were recorded.
Frequently Asked Questions
What is Complaint #11138719 about?
Complaint #11138719 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-12-12T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.