Credit card or prepaid card -- Fees or interest -- Complaint #5568173
Complaint Overview
Complaint ID: 5568173
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Wisconsin
ZIP Code: 530XX
Date Received: 2022-05-16T12:00:00-05:00
Date Sent to Company: 2022-05-16T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have had a credit card with Menards for many years. A short time ago they changed their credit card to Capitol One. I have always paid my bill in full when it is due. XXXX to me not only do I have a due date but there is also a set time which is eastern standard time to pay my bill. I was not aware of this requirement until last month. When I paid my bill the automated system told me it was paid late and I would be assessed a late fee and interest. I then looked at my bill closer and realized I had been charged a XXXX late fee and XXXX dollars in interest. I called in to complain and the rep credited the late fee showing on my XXXX bill. I received my XXXX bill which had no purchase charges just the late fee and interest from my pament made on XX/XX/2022. This is a predatory practice. My due date ends at XXXX. I should not have to deal with a card imposed time frame which is created to generate late fees and interest. The imposed time is XXXXXXXX XXXX.They refused to refund thecurrent late fee and interest on my XXXX bill. They also would not tell me which government agency I could file a complaint with. They were generally XXXX. I want my refund and then I will be cancelling my account. I appreciate your assistance with this matter.
Frequently Asked Questions
What is Complaint #5568173 about?
Complaint #5568173 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 2022-05-16T12:00:00-05:00.
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.