Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5758834
Complaint Overview
Complaint ID: 5758834
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: California
ZIP Code: 92675
Date Received: 2022-07-11T12:00:00-05:00
Date Sent to Company: 2022-07-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of XXXX, Capital One XXXX XXXX Card charged an annual fee of {$100.00}. We did not have a running balance on our card and did not receive statements. We did not know that there was a {$100.00} annual fee. Since we didn't have a balance and since we didn't know there was an annual fee, we didn't know we needed to make a payment. When the late appeared in our credit report, we immediately called Capital One to resolve the outstanding balance which was due to the annual fee, and late fees compiled with interest charges from the annual fee. - We paid the balance and requested two things. - One, to put us on an auto-pay so that we didn't run into the situation again - and two, to remove the credit late on our credit as we were not aware of the annual fee. The credit was resolved and we also thought the auto pay was established. Fast forward to the following year, in XXXX of XXXX, another annual fee was charged, however, the auto-pay was not established as we had requested previously. We found out this when we received an alert from XXXX XXXX. By then, the credit late, due to the annual fee, was already reported. I immediately logged into the Captial One portal, paid the outstanding balance due to the annual fee, and personally established the autopay. We are small business owners and we rely heavily on having great credit. We requested for Capital One to reverse the credit late recently added to our account for two reasons : 1. we asked that the auto pay be activated last year when this happened. We asked them to review the call recorded session from the prior conversation with the customer service representative. They said they would. 2. They auto payment was not activated by the customer service representative. 3. We disputed the credit lates but was denied and we will given the circumstances, it unjust. Please kindly delete all credit lats with all credit agencies.
Frequently Asked Questions
What is Complaint #5758834 about?
Complaint #5758834 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-07-11T12:00:00-05:00.
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.