Credit card or prepaid card -- Closing your account -- Complaint #5554281
Complaint Overview
Complaint ID: 5554281
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Alabama
ZIP Code: 36116
Date Received: 2022-05-12T12:00:00-05:00
Date Sent to Company: 2022-05-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had gotten behind on my account for almost 6 months, and capital one sent me out emails and letters that said " XXXX XXXX XXXX XXXX, Were required to close and charge off this account in less than 30 days if no payment is made. But its not too late to work something out before your payment due date on XX/XX/2022. Our online payment plan tool may let you decide how much to pay so you can get started on your terms. they said I could pay Pay $ XXXX for 3 months Or {$610.00}. So I called in the day before and told a rep that I would be making a quick payment through XXXX XXXX and I would call back with the tracking number. The next day, Sunday, XX/XX/XXXX, I made the payment of {$610.00} thru XXXX XXXX at the XXXX grocery store. Then, I called capital one and no answer so I did a chat with a Capital One Rep name XXXX XXXX, I gave him the control number or tracking number and asked him to document it for me. I followed up the following days to find out that Capital one Lied. Even though, I made the payment they still cut the card off. In addition to that, I received my monthly bill today and a {$38.00} late fee is added to the account when clearly I made the payment on time with documentation to prove it. They gave me a false promise with the intention of cutting the card off all along.
Frequently Asked Questions
What is Complaint #5554281 about?
Complaint #5554281 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-05-12T12:00:00-05:00.
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.