Credit card -- Fees or interest -- Complaint #12501322
Complaint Overview
Complaint ID: 12501322
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: New Jersey
ZIP Code: 08648
Date Received: 2025-03-15T12:00:00-05:00
Date Sent to Company: 2025-03-15T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called Capital One on XX/XX/XXXX to cancel my card. They charged me an annual fee on XX/XX/XXXX, but I don't want to use the card anymore. I actually stopped using it for a long time. I closed the account on XX/XX/XXXX. They hit me with a late fee and interest too. I paid everything I owed, minus the annual fee and their late fees. The agent said he will credit it in 5 days. I checked again, and I was hit with an even larger late fee. I called again, they told me it's been more than 39 days so they won't credit me for the annual fee or the late fee. Basically, too bad- we are charging you more fees so deal with it. No resolution was provided. The agent " escalated '' it to their improvement team but I was left with over a XXXX dollars worth of fees, bills and interest - none of it having to do with anything I bought or used the card for. I now paid everything off, a complete scam and a big waste of money. I want a full refund.
Frequently Asked Questions
What is Complaint #12501322 about?
Complaint #12501322 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-03-15T12:00:00-05:00.
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.