Checking or savings account -- Managing an account -- Complaint #6715770
Complaint Overview
Complaint ID: 6715770
Company: Capital One Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Maryland
ZIP Code: 20878
Date Received: 2023-03-18T12:00:00-05:00
Date Sent to Company: 2023-03-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One BillPayer failed to deliver two property tax payments by the promised date that were intended to go to my local government. In early XX/XX/XXXX I configured two property tax payments for two properties I am responsible for. These were scheduled using the Capital One BillPayer system which specifies a " send on '' and " deliver by '' date. Both were due to be delivered well before the due date of XX/XX/XXXX. XXXX XXXX reported both as a week late and charged me a late fee for both - {$59.00} for one, {$49.00} for the other. I filed a claim online with Capital One and after several weeks of back and forth they said they sent the payments when promised but they are not responsible for delivering them by the date promised nor could they tell me when they were actually delivered. I also went into the local XXXX, Maryland branch and was promised an investigation that would reveal the actual delivery date but after two weeks can not contact the Branch manager who was supposedly working on this for me. Attaching the BillPayer records indicating two payments were promised to be delivered before XX/XX/XXXX but they do also show the payments were processed in XX/XX/XXXX. There is a chance XXXX XXXX got the payments on or before XX/XX/XXXX but I have no way to prove that other than the Capital One BillPayer system saying they would deliver these payments before then. So I was charged and paid two late fees for something that I should not be responsible for. And Capital One is basically ignoring me. Your assistance will be greatly appreciated.
Frequently Asked Questions
What is Complaint #6715770 about?
Complaint #6715770 was filed against Capital One Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-03-18T12:00:00-05:00.
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 (Checking or savings account) 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.