Capital One Credit Card Complaint

Capital One Credit card department,

Billing statement Ohio

Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and - monthly member fee. I understand the finances charges and the late fees, but why the - monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a $3.00 member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this $3.00 member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.