Credit card -- Fees or interest -- Complaint #12201107
Complaint Overview
Complaint ID: 12201107
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: 33025
Date Received: 2025-02-24T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally report Capital One for unfair financial practices and request your assistance in obtaining a resolution regarding XXXX unjust late fees charged to my account. These fees, each amounting to {$40.00}, were applied for the statement cycles XXXX - XX/XX/XXXX, XXXX - XXXX XXXX, and XXXX - XX/XX/XXXX. I have maintained a strong history of timely payments with Capital One. However, due to unforeseen financial hardship, unemployment, and homelessness since XX/XX/XXXX, I have reached out to their customer service department on multiple occasions seeking assistance and reasonable accommodations. Unfortunately, I have been repeatedly denied help without any valid explanation. On [ Date of Most Recent Call ], I contacted Capital One at XXXX and spoke with XXXX ( call center representative ), who refused to assist me. He escalated the call to his manager, XXXX, who also denied any resolution. I was then transferred to Capital Ones Specialty Team, which is specifically designated to help customers in financial distress. I spoke with XXXX, who again offered no assistance and refused to provide an explanation. When I requested to speak with her manager, I was transferred to XXXX, who also failed to provide any form of relief or explanation. It is unacceptable that a financial institution would advertise financial hardship support yet refuse to offer any meaningful solutions when a customer is facing severe financial distress. Despite my proactive approach in communicating my hardship and my long-standing good payment history, Capital One has unfairly penalized me, making it even more difficult for me to recover financially. Request for Resolution : I respectfully request the CFPBs intervention to ensure that Capital One : XXXX. Removes the XXXX late fees ( {$40.00} each ) from my account. XXXX. Reviews its financial hardship assistance program to ensure fair and consistent application to customers truly in need. XXXX. Provides a clear explanation for the denial of my financial hardship request. I appreciate the Consumer Financial Protection Bureaus role in advocating for fair consumer treatment and urge you to take immediate action against Capital Ones unfair practices. Please feel free to contact me at [ your phone number ] or [ your email ] for any further details. I recently requested a new credit card and it is coming in the mail. I have not received it as its going to a friend 's house. I will add my previous credit card number to this complaint as it corresponds with this complaint. Thank you for your time and assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12201107 about?
Complaint #12201107 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-02-24T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". 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.