Credit card -- Fees or interest -- Complaint #9777713
Complaint Overview
Complaint ID: 9777713
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 95050
Date Received: 2024-08-11T12:00:00-05:00
Date Sent to Company: 2024-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I attempted to make a full on-time payment for my Capital One credit card using my XXXX XXXX XXXXXXXX checking account. Capital One 's mobile app initially indicated the payment was successful. However, on XX/XX/XXXX, I received a notification that the payment was returned due to incorrect account information. I immediately resubmitted the payment with the correct information on XX/XX/XXXX, and the funds were successfully transferred to Capital One on XX/XX/XXXX. Despite the full payment being made on time, Capital One assessed a late fee and interest charges. While Capital One did fully refund the late fee on XX/XX/XXXX, they only partially refunded the interest charges, providing a {$50.00} credit out of a total of {$130.00} on XX/XX/XXXX after I contacted customer support. Capital One was unable to definitively confirm that the account number was incorrect, as the last four digits matched. Nevertheless, I was penalized for a payment issue that was not entirely my fault. I am requesting a full refund of the interest charges.
Frequently Asked Questions
What is Complaint #9777713 about?
Complaint #9777713 was filed against Capital One Financial Corporation regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-08-11T12:00:00-05:00.
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) 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.