Credit card -- Fees or interest -- Complaint #17887345
Complaint Overview
Complaint ID: 17887345
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: Pennsylvania
ZIP Code: 19018
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One does a very poor job of distinguishing between minimum payments and statement balances that are due. I made a partial payment on my statement. When I went back a few days later to see what the remainder payment was, it said that there was no payment required. It didn't say no minimum payment required and show me the rest of the statement balance, it just said no payment required. When I called Capital One ( multiple times ) they told me that the solution was to click into the make payment button. But this solution doesn't make any sense since they're telling me that there is no payment required. Additionally, they wouldn't give me a curtesy credit even though all 6 people that I spoke to agreed that this was incomplete information. Additionally, when you call customer service, the automated voice tell you that you have a payment due of $ XXXX. But what they should actually be telling you is that you have a minimum payment due. They are misrepresenting the payments that are due and capitalizing on fees thereafter without taking actions to mitigate the situation.
Frequently Asked Questions
What is Complaint #17887345 about?
Complaint #17887345 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.