Credit card or prepaid card -- Problem when making payments -- Complaint #6105410
Complaint Overview
Complaint ID: 6105410
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 90802
Date Received: 2022-10-19T12:00:00-05:00
Date Sent to Company: 2022-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
My payment for capital one was due XX/XX/2022 for my XXXX statement. My payment posted XX/XX/2022. I realized I paid my balance ( {$1500.00} ) instead of my statement amount ( {$330.00} ). Capital one would not refund the amount to remake a payment and I was told I could only do a stop payment with my XXXX bank. Then redo the payment. I issued a stop payment to XXXX XXXX XXXX 2022 same day. The stop payment went through XX/XX/2022. I called capital one to make a payment on my XXXX statement of ( {$330.00} ) XX/XX/2022. My statement for Capital one at the time did not reflect the change in balance. I was told there system could not accept a payment because my balance still showed {$0.00} owed. They told me ( multiple supervisors ) that I would need to wait till Monday XX/XX/2022 for it to reflect the proper balance for me to make a payment on my XX/XX/2022 statement. I was told my interest would be subdued for those 5 days of being late for XX/XX/2022 statement. They also would take off the late payment XXXX called back XX/XX/2022 to make a payment on my XX/XX/2022 statement due XX/XX/2022. The balance for Capital One still reflected {$0.00} payment due and they could not take payment. I called the next day XX/XX/2022 and still my balance reflected {$0.00} payment due and they could not accept payment on my XX/XX/2022 statement due XX/XX/2022. XX/XX/2022 Capital One created a new statement for XX/XX/2022 rolling in my XXXX statement balance plus additional balance, charged me interest for past due, blocked my credit card until minimum payment made. There system was rigged to keep me from making a payment and worked against me as a customer to fulfill my debt and put me at credit risk.
Frequently Asked Questions
What is Complaint #6105410 about?
Complaint #6105410 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-10-19T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". 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.