Capital One Bank Account Or Service Complaint

Capital One Bank account or service department,

Other bank product/service Making/receiving payments, sending money North Carolina

On -/-/- at approximately --, I made an online payment to Capital One Bank ( see attached ) in the amount of $38.00. At the time, I was unaware that payments made after - on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( - ) and also been denied a credit line increase with Capital One due to my late payment history ''. I have had - credit card accounts with Capital One for over a year and never paid late or after - on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of -/-/- or Credit CARD Act of -/-/-, the practice of posting credit card payments ( made after -/-/- on the due date ), the next day and counting it against the cardholder as a late payment is illegal.