Credit card or prepaid card -- Fees or interest -- Complaint #6614297
Complaint Overview
Complaint ID: 6614297
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: Georgia
ZIP Code: 30294
Date Received: 2023-02-24T12:00:00-05:00
Date Sent to Company: 2023-02-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Called Capital One on or about XX/XX/2023 to advise that I may be late on my payment because I am getting a fix rate loan to pay off CapOne cc balance ( {$9800.00} ). The representative said thank you for calling and letting us know. Do you know when the payment may arrive? I stated the payment may arrive between now and XX/XX/2023. The payment ( {$9800.00} ) posted to my account on XX/XX/2023. On XX/XX/2023 I called Capital One to request the {$29.00} late fee be waived based on my length of time as a customer and payment history, which I have never been late. I spoke with three representatives ( two inbound call representatives and a Senior Account Supervisor, XXXX ). When I first called and spoke to rep, he stated he could not waive the fee because their system will not allow the waiver. I explained the reason for the late payment and my payment history. He said he could not waive it. I requested a supervisor. He transferred me to XXXX, an account supervisor. XXXX 's line had a lot of static and could not hear him. I disconnected then called back... spoke to representative, XXXX. I explained my reason for the call... she reiterated what the first representative stated. She then passed me on to XXXX, a Senior Account Representative. He stated he could not waive the {$29.00} fee because their system will not allow the waiver. He offered to set up my account on auto pay. I explained I don't want auto pay ... I would like the fee removed so I can pay off the balance ( {$210.00} including the {$29.00} ). XXXX said he could not remove the fee. I said ok and ended the call.
Frequently Asked Questions
What is Complaint #6614297 about?
Complaint #6614297 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 2023-02-24T12:00:00-05:00.
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.