Credit card or prepaid card -- Fees or interest -- Complaint #5242181
Complaint Overview
Complaint ID: 5242181
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: Texas
ZIP Code: 75219
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was charged an annual fee of {$59.00} on XXXX XXXX, 2022 for the Capital One XXXX credit card. On XX/XX/2022, XXXX days after the annual fee posted. I called a representative to request cancellation my card and refund of the annual fee. Per the terms of the card, the annual fee can be refunded if the card is cancelled fewer than XXXX days after it posts on the account. The representative proceeded to close the account and assured that the fee would be refunded. On XXXX XXXX, 2022, I noticed that my account was still open and the annual fee was still being charged. I called a representative to inquire about this, and they said that they will no longer be able to refund the fee as it has been more than 40 days after the fee posted. The credit card account had also not been closed. There is evidence on my account that I called on XXXX XXXX, 2022 as a {$0.00} XXXX XXXX points redemption posted on my account. This is a redemption that I can not make on my own as there is a minimum point redemption amount that is greater than {$0.00}. The agent made this redemption at the time. The screenshot is attached. There is also evidence on my phone of an outgoing call to ( XXXX ) XXXX, the Capital One customer service number, on XX/XX/XXXX during which I first attempted to close the account and obtain a refund of the annual fee. The screenshot is attached.
Frequently Asked Questions
What is Complaint #5242181 about?
Complaint #5242181 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 2022-02-20T12:00:00-05:00.
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.