Credit card or prepaid card -- Fees or interest -- Complaint #4706415
Complaint Overview
Complaint ID: 4706415
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Michigan
ZIP Code: 48235
Date Received: 2021-09-09T12:00:00-05:00
Date Sent to Company: 2021-09-09T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have paid this account on time and have never missed a payment. I always mark that the payment is due by the XXXX of each month on my calendar. Today, XX/XX/21, I remember that the payment was due and attempted to pay it online like I always do... but saw that the company has already put a {$25.00} late fee on my account when. It was XXXX XXXX and the company would not credit my payment ( {$25.00} due ) to today. It forcefully applies the money to the next day and charges me the fee. Then, I read the info online where it said that the payment is due by XXXX XXXX. I never knew and did not agree to that specific term when I signed up for the credit card. I called Capital One and both the first level worker and then the supervisor refused to credit my account for the fee. My complaint is that the payment was made TODAY which is still the XXXX. Every other account I have considered after XXXX XXXX the deadline for each day. Capital One is very cold and unhelpful. Every time I speak with them, they act like the don't value my business and are inflexible with their policies.
Frequently Asked Questions
What is Complaint #4706415 about?
Complaint #4706415 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-09-09T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with 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.