Credit card -- Fees or interest -- Complaint #19161328
Capital One Resolves Fee Dispute with Texas Consumer
Complaint Overview
Complaint ID: 19161328
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: Texas
ZIP Code: 76010
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The low risk is due to the account being closed with monetary relief, indicating a resolution was reached.
Consumer Sentiment: neutral
Topics: Credit card fees, Account closure, Monetary relief
AI Analysis
CFPB complaint 19161328 was filed against CAPITAL ONE FINANCIAL CORPORATION regarding Credit card (General-purpose credit card or charge card), specifically about "Fees or interest". A Texas consumer closed a Capital One credit card account due to issues with fees, receiving monetary relief. The complaint was received on January 31, 2026 from Texas. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all fee disclosures and contact their credit card company immediately if they believe they have been charged incorrectly.
Legal Context & Consumer Protection Laws
This case falls under consumer protection laws related to credit card fees and disclosures.
Regulatory Insight
This complaint highlights the importance of transparent fee structures and effective complaint resolution processes for credit card issuers.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and the resolution suggests compliance with state consumer protection regulations.
Industry Comparison
Fee disputes are common in the credit card industry, but prompt resolution with monetary relief is a positive sign.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161328 about?
CFPB complaint 19161328 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against CAPITAL ONE FINANCIAL CORPORATION on January 31, 2026.
Which company is complaint 19161328 filed against?
Complaint 19161328 was filed against CAPITAL ONE FINANCIAL CORPORATION. You can view all complaints against this company on their profile page at /company/capital-one-financial-corporation.
What was the company's response to complaint 19161328?
CAPITAL ONE FINANCIAL CORPORATION responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 19161328 filed?
Complaint 19161328 was received by the CFPB on January 31, 2026. It was sent to CAPITAL ONE FINANCIAL CORPORATION on February 1, 2026.
What state was complaint 19161328 filed from?
Complaint 19161328 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 19161328?
Dispute information is not available for complaint 19161328.
What product category is complaint 19161328 about?
Complaint 19161328 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19161328 submitted?
Complaint 19161328 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161328?
This case falls under consumer protection laws related to credit card fees and disclosures. This relates to a Credit card complaint against CAPITAL ONE FINANCIAL CORPORATION involving "Fees or interest".
How likely is complaint 19161328 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161328?
This complaint is rated as low risk. The low risk is due to the account being closed with monetary relief, indicating a resolution was reached.
What regulatory actions apply to complaint 19161328?
This complaint highlights the importance of transparent fee structures and effective complaint resolution processes for credit card issuers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19161328?
Consumers should carefully review all fee disclosures and contact their credit card company immediately if they believe they have been charged incorrectly.
Are there state-specific protections for complaint 19161328?
The complaint originated in Texas, and the resolution suggests compliance with state consumer protection regulations. This complaint was filed from Texas.
How does complaint 19161328 compare to industry norms?
Fee disputes are common in the credit card industry, but prompt resolution with monetary relief is a positive sign.
What specific fees were disputed by the consumer?
The provided data does not specify the exact fees in dispute, only that the issue was with 'fees'.
What was the nature of the monetary relief provided?
The data indicates monetary relief was given, but the specific amount or type (e.g., refund, fee waiver) is not detailed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.