Credit card -- Fees or interest -- Complaint #18117165
Complaint Overview
Complaint ID: 18117165
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Unexpected increase in interest rate
State: California
ZIP Code: 915XX
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I requested that my Capital One credit card be closed in XX/XX/year> before traveling internationally. I believed the account was closed. I did not receive any notifications, bills, or alerts indicating that the account was still open. When I left the U.S., the balance was around {$8000.00}. I made no purchases after that point. When I returned, the balance had increased to over {$10000.00} entirely due to late fees and interest, not spending. This increase happened only because the account was not closed after my request. When I called Capital One, I explained that I had requested closure in XXXX. The supervisor acknowledged a phone call in XXXX but refused to review the call, refused to treat this as a servicing error, and refused to reverse the fees or interest that accumulated afterward. Instead of investigating what happened, I was repeatedly pushed into payment plans even after I clearly stated that I can not afford to make any payment. I lost my job and currently have no income, and I also live with a XXXX that affects my ability to find consistent work. The representative and supervisor continued to pressure me for payments despite knowing this, and did not provide any meaningful support or review of the servicing issue. I am filing this complaint because I believe the account was mishandled, the closure request was not processed properly, and I was unfairly pressured to make payments I can not afford, instead of Capital One reviewing their own error.
Frequently Asked Questions
What is Complaint #18117165 about?
Complaint #18117165 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-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.