Credit card -- Fees or interest -- Complaint #19574059
Complaint Overview
Complaint ID: 19574059
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 York
ZIP Code: 11378
Date Received: 2026-02-17T12:00:00-05:00
Date Sent to Company: 2026-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Over the past several months, my Capital One account has been taken over multiple times due to fraud. Each time I reported the fraudulent activity, Capital One locked my account and refused to discuss it with me until I submitted identity verification documents they requested. During these review periods, I was unable to access my account or make payments. As a result of being locked out, one of my accounts incurred a past-due balance and was assessed a late fee. Once my access was restored, I immediately made the required payment. At that time, I was assured by Capital One representatives that both the late fee and any related interest charges would be waived because the delinquency occurred solely due to the account restrictions placed after the fraud reports. While the late fee was ultimately waived, Capital One is now refusing to waive {$23.00} in associated interest charges. On my most recent call, Supervisor XXXX ( Employee ID : XXXX ) informed me that Capital One would not waive the interest and acknowledged that this contradicts the information I was previously provided.
Frequently Asked Questions
What is Complaint #19574059 about?
Complaint #19574059 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2026-02-17T12:00:00-05:00.
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.