Credit card -- Fees or interest -- Complaint #8402868
Complaint Overview
Complaint ID: 8402868
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Pennsylvania
ZIP Code: 17603
Date Received: 2024-02-22T12:00:00-05:00
Date Sent to Company: 2024-02-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2024 I checked my email after being away for XXXX XXXX XXXX weekend and saw that I received an email from CapitalOne on XX/XX/2024 at XXXX stating that I had a payment due. I rarely use this card, so I only visit the CapitalOne site when I get notifications. When I went onto the the site at XXXX, I saw that my {$39.00} annual fee was due on XX/XX/2024 and because I missed the payment date by 14 hours, I was charged a late fee of {$25.00}. I immediately called CapitalOne customer service. I asked that since I am meticulous about not missing payments ( I am very on top of this in all of my accounting ) can that {$25.00} fee be forgiven? I also stated that I don't think that 5 days, only 2 of them business days with the XXXX XXXX XXXX XXXX, is enough notice to expect someone to pay for an annual fee on a card that they don't use regularly with a {$0.00} balance. I was told that the fee could not be forgiven. I asked to speak with a manager, XXXX. XXXX was very kind, but she also let me know that the fee could not be forgiven. I told XXXX that I think that this is a sneaky business practice. {$25.00} may be a small amount of money, but how many people are being charged a {$25.00} late fee on an annual fee for a card they don't use often? 5 days ( only 2 business days ) is not enough notice. I have a near perfect credit score. I do not miss payments. She said she would send my complaint to supervisors. This seems unethical to me. I paid my bill and the fee to avoid further issues, but I hope to be refunded the {$25.00}. I also hope to make CapitalOne aware that this is an unfair business practice so that it doesn't continue to happen to others. Thank you for your time.
Frequently Asked Questions
What is Complaint #8402868 about?
Complaint #8402868 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-02-22T12:00:00-05:00.
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.