Credit card -- Problem when making payments -- Complaint #7484833
Complaint Overview
Complaint ID: 7484833
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Nevada
ZIP Code: 89110
Date Received: 2023-08-31T12:00:00-05:00
Date Sent to Company: 2023-08-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.
Frequently Asked Questions
What is Complaint #7484833 about?
Complaint #7484833 was filed against Capital One Financial Corporation regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2023-08-31T12:00:00-05:00.
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) 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.