Credit card or prepaid card -- Struggling to pay your bill -- Complaint #5060516
Complaint Overview
Complaint ID: 5060516
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: Kentucky
ZIP Code: 403XX
Date Received: 2022-01-02T12:00:00-05:00
Date Sent to Company: 2022-01-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Like many people, my family and I were impacted financially by Covid 19. In XXXX of 2020 I was forced to close my business because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due on four payments with my Capital One Credit card ending in XXXX. Fortunately, I was able to find a new job and things are starting to get back on track now. Since XXXX of 2020 all of my payments have been on time and I believe that I have demonstrated I am a valuable customer for Capital One. I have reached out to Capital One several times in regards to removing the late payments in 2020 since they were caused by a natural disaster, and I have been given very little information. I have made 13 attempts since XXXX and each attempt ends with me being disconnected or being told that there are no options for me. The Terms and Conditions when setting up my account did not address a natural disaster relative to the same scope as Covid. I also hired XXXX XXXX for 3 months to help me dispute these late payments and have not been successful. I spent several hundred dollars trying to have my credit repaired by experts and help me demonstrate my responsibility. I have been honest with Capital One and I am not asking for anything for free. I have demonstrated 12 months of on-time payments and I am asking for relief due to this pandemic. I take great pride in my credit as it was nearly XXXX prior to the financial impact of Covid 19. I am requesting that Capital One remove late payments from XXXX, XXXX, XXXX and XXXX of 2020 for my Credit Card ending in XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless up until the Pandemic. Thank you for your consideration.
Frequently Asked Questions
What is Complaint #5060516 about?
Complaint #5060516 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 2022-01-02T12:00:00-05:00.
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.