Credit card or prepaid card -- Struggling to pay your bill -- Complaint #4611164
Complaint Overview
Complaint ID: 4611164
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: California
ZIP Code: 92117
Date Received: 2021-08-07T12:00:00-05:00
Date Sent to Company: 2021-08-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was financially impacted by the XX/XX/2019government shutdown. I contacted Capital One ten times explaining my income was disrupted, I was experiencing financial hardship, and I was seeking assistance. I requested short-term payment forbearance, payment arrangements, extending my payment due dates, anything to help prevent my payments being reported late to the CRAs. They would not work with me, they denied my relief requests every time I called despite advertising relief and assistance to their customers impacted by the government shutdown on their own website, www.capitalone.com : " We are here to assist our customers who are experiencing financial difficulties as a result of the federal government shutdown. We encourage customers whose income is disrupted due to the shutdown to reach out to us to discuss their individual circumstances.
Frequently Asked Questions
What is Complaint #4611164 about?
Complaint #4611164 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Struggling to pay your bill. It was received by the CFPB on 2021-08-07T12:00:00-05:00.
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 or prepaid 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.